Sample Report Financial Institution

Sample Report
Financial Institution
SERASA - INFORMATION SOLUTIONS
FINANCIAL INSTITUTION REPORT
CONFIDENTIAL TO CIA MODELO
REPORT
99.999 IN: 99/99/9999
CNPJ: 11111111/0001-11
BANCO MODELO S/A
VALUES IN UNITIES OF REAIS
DATE: 99.99.9999 HOUR: 99:99:99
IDENTIFICATION (UPDATE IN 99.99.9999)
CNPJ: 11111111/0001-11
BANCO MIDELO S/A
TRD. NAME:
BANCO MODELO
FOUNDATION: 99/9999
ECONOMIC GROUP : MODELO
REGISTRY: 99.999 IN 99/99/9999
PREDECESSOR: BANCO EXEMPLO S/A
UNTIL 99/99/99
LOCALIZATION (UPDATE IN 99.99.9999)
HEAD ADDRESS:
PC EXEMPLO 99
SAO PAULO
/ SP
ZIP: 99999-999
MAILBOX:
ZIP MAILBOX:
ADD INTERNET E-MAIL: [email protected]
ADD CORRESP:
SAO PAULO
MAILBOX:
COMPENSATION N:
PQ MODELO
PHONE: (099)99999999
FAX : (099)99999999
PC EXEMPLO 99
/ SP
ZIP: 99999-999
ZIP MAILBOX:
FINANC.INST.PROFILE (UPDATE IN 99.99.9999)
SERASA ACTIVITY CODE: F-01.01.00
PRIVATELY OWNED DOMESTIC MULTIPLE BANK
COD SRF: 99999 N EMPLOYEES:
99.999
OPERATION WALLETS:
COMERCIAL INVESTIMENTOS CREDITO FINANCIAMENTO E INVESTIMENTO E CREDITO IMOBILIARIO
NET DESTRIBUTION (UPDATE IN 99.99.9999)
AGENCY N
/ BRANCH:
1678
OFFICES N: 3144
OVERSEAS OFFICES N:
GEOGRAFIC OPERATING AREA: NACIONAL NOVA IORQUE ILHAS CAYMAN BUENOS AIRES LUXEMBURG
RANKING (UPDATE IN 99.99.9999)
NATIONAL (SERASA) - STOC EQUITY:
- TOTAL ASSETS
GLOBAL (THE BANKER)-STOC EQUITY
SIZE : A
:
:
99 IN 9999
99 IN 9999
999 IN 9999
PREVIOUS:
PREVIOUS:
PREVIOUS:
99 IN 9999
99 IN 9999
999 IN 9999
OWNERSHIP (UPDATE IN 99.99.9999)
CAPITAL:
SHR:
9.999.999.999 PAID-IN: 9.999.999.999 AUTHOR:
NATIONALITY:
BRAZIL
ORIGIN: PRIVAT
NATURE: OPENED
CPF/CNPJ
SHAREHOLDER/PARTNER
DATE ADM
NATIONALITY
%VOTING CAP
%TOTAL CAP
999999999
BANCO EXEMPLO S/A
BRAZIL
100,0
MANAGEMENT
(UPDATE IN 99.99.9999)
CPF/CNPJ
MANAGER
POSITION
NATIONALITY
STATUS
999999999/99
CARLOS ROBERTO DANTAS SAMPAIO
PRES DIREC
BRAZIL
MARRIED
999999999/99
CARLOS ROBERTO DANTAS SAMPAIO FILHO
VPRES DIRE
BRAZIL
MARRIED
999999999/99
MARIA FILOMENA BRUNO GOMES
VPRES DIRE
BRAZIL
MARRIED
999999999/99
GETULIO CLAUDIO FILHO
VPRES DIRE
BRAZIL
MARRIED
BOARD OF DIRECTORS (UPDATE IN 99.99.9999)
CPF/CNPJ
COUNSELOR
999999999/99 CLAUDIO MOREIRA PAIXAO
DATE ADM
TERM
99/9999
99/9999
99/9999
99/9999
99/9999
99/9999
99/9999
99/9999
TERM TILL: 99/9999
POSITION
PRESIDENT
Sample Report
Financial Institution
999999999/99
999999999/99
999999999/99
999999999/99
999999999/99
999999999/99
999999999/99
DANTAS MELLO VILHENA
CARLOS BRITO SILVA
ALFREDO SARAIVA NUNES
ROBERTO SANTOS PAIVA
PAULO CARLOS SILVIO
DANILO SANTOS ARRUDA
LUCAS ZANATTA SANTOS
VICE PRESID
VICE PRESID
VICE PRESID
COUNSELOR
COUNSELOR
COUNSELOR
COUNSELOR
MANAGERS EXPERIENCE AND BACKGROUND
(UPDATED IN 99/99/9999)
MANAGER
SCHOLAR BACKGROUND
CLAUDIO MOREIRA PAIXAO
COMPLETE UNIVERSITY
GRADUATE LEARNING
UNIVERSITY/COLLEGE
CONCLUSION
PRODUCTION ENGINEERING
UNIVERSIDADE DE SAO PAULO
9999
PROFESSIONAL EXPERIENCE
BANCO MODELO HOLDING FINANCEIRA S/A
ADMISSION DISMISSAL
POSITION:PRESIDENT DI
99/9999
BANCO EXEMPLO S/A
ADMISSION DISMISSAL
POSITION:PRESIDENT DI
99/9999
MODELO INVESTIMENTOS S/A
ADMISSION DISMISSAL
POSITION:VICE PRESIDE
99/9999
MANAGER
SCHOLAR BACKGROUND
LUCAS ZANATTA SANTOS
COMPLETE UNIVERSITY
GRADUATE LEARNING
UNIVERSITY/COLLEGE
CONCLUSION
BUSINESS ADMINISTRATION
ESC DE ADMINISTRACAO EMPRESAS SAO PAULO
9999
PROFESSIONAL EXPERIENCE
BANCO EXEMPLO S/A
ADMISSION DISMISSAL
POSITION:DIRECTOR
99/9999
EXEMPLO LEASING S/A ARRENDAMENTO MERCANTIL
ADMISSION DISMISSAL
POSITION:DIRECTOR
99/9999
BANCO MODELO S/A
ADMISSION DISMISSAL
POSITION:VICE PRESIDE
99/9999
SHAREHOLDER'S INTERESTS (UPDATE IN 99.99.9999)
CNPJ
COMPANY
PARTICIPANT
99.999.999/99 EXEMPLO PART S/A
BANCO MODELO S/A
LINK
AC
99.999.999/99 MODELO BANCO DE INVESTIMENTO S/A
BANCO EXEMPLO S/A
AC
99.999.999/99 BANCO BRASILEIRO S/A
BANCO EXPERIENCIA S/A
AC
(LS)
A-99/9999
1.292
5.791
2.338
8.129
2.254
SPO-SP
100,00
CTA-PR
FINANCIAL STATEMENT (ANALYSIS IN 99.99.9999)
LAST FINANCIAL STATEM: BAL SHEET
VALUES IN
MILLIONS OF REAIS
BALANCE SHEETS
ASSETS
CASH & CASH EQUIVALENTS
OPEN MARKET INVESTMENTS
LINKED TO REPURCH AGREE
OPEN MARKET INVESTMENTS
INTERBANK DEPOSITS INVES
(-)PROV FOR LOSSES
INTERBANK INVESTMENTS
OWN PORTFOLIO
LINKE TO TRADE & INT OF
LINKED TO CENTRAL BANK
PLEDGE AS GUARANTEES
(-)PROV FOR DEV
MARKETABLE SECURITIES
DERIVATIVE FINAN INSTRUM
CENTRAL BANK DEPOSITS
CITY-STA
% CAPITAL
SPO-SP
100,00
%
2
10
4
14
4
(LS)
B-99/9999
1.519
6.167
3.474
9.641
2.824
100,00
CURR:REAL
%
2
9
5
14
4
B/A
17
6
48
18
25
2.254
4.932
80
4
9
2.824
2.559
62
4
4
25
-48
-22
675
-758
4.929
1
-1
9
1.058
-439
3.240
2
-1
5
56
42
-34
3.163
5
3.858
6
21
(LS)
(LS)
C-99/9999
1.476
6.089
1.277
7.366
5.619
-2
5.617
2.654
%
2
8
2
9
7
C/B
-2
-1
-63
-23
98
7
3
98
3
-100
14
833
1
3.501
517
8.918
4
1
11
-21
100
8
131
Sample Report
Financial Institution
NATIONAL HOUSING SYSTEM
OTH INTERF REL
INTERBANK ACCOUNTS
CREDIT OPERATIONS
LEASING OPERATIONS
(-) ALLOW FOR DOUBT ACC
CREDIT OPERATIONS
EXC PORTFOLIO
TRADE & INTERMEDIA VALUE
OTHER CREDITS
OTHER ASSETS
INTERBRANCH ACCOUNTS
OTHER CREDITS
TOT CURR ASSETS
6
9
3.178
9.082
6
16
-926
8.156
2.176
385
1.629
214
9
1.852
32.351
-2
14
4
1
3
3.243
3.243
31
6
6
3
56
LINKED TO REPURCH AGREE
OPEN MARKET INVESTMENTS
INTERBANK DEPOSITS INVES
(-) PROVISION FOR LOSSES
INTERBANK INVESTMENT
OWN PORTFOLIO
LINKED TO CENTRAL BANK
(-)PROV FOR DEVAL
MARKETABLE SECURITIES
DERIVATIVE FINAN INSTRUM
HOME FINANCING-SFH
INTERFINAN ONLENDINGS
INTERBANK ACCOUNTS
OTHER OPER EXP
LEASING OPERATIONS
(-) ALLOW FOR DOUBT ACC
CREDIT OPERATIONS
EXC PORTFOLIO
TRADE & INTERMEDIA VALUE
OTHER CREDITS
OTHER ASSETS
OTHER CREDITS
LONG TERM ASSETS
-321
5.731
18
19
1.143
6
1.149
14.467
-1
10
INT IN SUBSID & AFFIL CO
OTHER INVESTMENTS
(-)PROVISION FOR LOSSES
INVESTMENTS
PROP & EQUIP FOR USE
DEFERRED ASSETS
TOTAL FIXED ASSETS
7.899
134
-2
8.031
1.223
1.685
10.939
14
TOTAL ASSETS
57.757 100
LIABILITIES
DEMAND DEPOSITS
SAVING DEPOSITS
INTERBANK DEPOSITS
TIME DEPOSITS
ACCEP & SEC ISSUED
DEPOSITS
OWN PORTFOLIO
THIRD PARTIES PORTFOLIO
FREE MOVEMENT PORTFOLIO
FUNDS FROM OPEN MARKET
OTHER INTERF RELATIONS
INTERBANK ACCOUNTS
LOC BORR/ONLENDING OBL
FOR BORR/ONLENDING OBL
BORROWINGS AND ONLENDING
DERIVATIVE FINAN INSTRUM
31
4.322
7
-132
4.214
7
52
10
62
6.052
10
69
3.937
12.619
57
-1.104
11.572
5.857
459
1.683
239
2
1.924
40.973
5.288
5.288
297
-1
296
2.658
231
-212
2.967
50
10
2
2
25
14
2
3
19
50
7.542
132
-534
7.140
61
65
997
43
1.040
16.907
8.453
139
-2
8.590
1.301
2.232
12.123
6
18
-2
17
8
1
2
3
59
8
8
66
666
23
38
-19
41
169
19
3
11
-77
3
26
63
63
858
4
854
-38
4
-60
-29
-3
-100
-19
11
24
-1
10
1
1
24
-66
24
238
242
-12
616
-9
16
4.985
4.985
146
-2
144
3.725
848
5.200
251
46
46
8.130
43
-883
7.290
2
1.742
271
2.013
19.931
11
16
-2
15
6
3
3
59
-20
-82
127
2
43
-15
-12
-95
46
24
350
44
14
6
6
-5
-5
-50
-100
-51
5
40
1 267
100
6
75
-8
10
-1
9
2
3
25
7
3
12
2
3
17
6
6
32
10
10.471
47
-4
10.514
1.175
1.622
13.311
13
1
2
17
23
-66
-100
22
-9
-27
9
70.003 100
21
80.238 100
14
%
9
21
6
2
2
40
8
10
B-99/9999
5.776
13.335
5.139
615
1.610
26.475
8.113
3.562
%
8
19
7
1
2
38
12
5
B/A
13
7
44
-30
29
14
71
-37
10.465
35
35
1.108
2.447
3.555
18
11.675
52
52
1.128
3.993
5.121
17
11
48
48
1
63
44
2
6
7
C-99/9999
8.450
15.200
1.822
1.561
1.844
28.877
3.510
2.970
301
6.781
265
265
846
3.649
4.495
711
13
-8
7
-67
-65
2
-96
-100
74
530
93
17
12
A-99/9999
5.082
12.399
3.548
879
1.247
23.155
4.733
5.732
2
4
6
8
12
8.938
12.872
82
-1.273
11.681
5.109
20
2.465
297
9
2.771
46.996
%
11
19
2
2
2
36
4
4
C/B
46
13
-64
153
14
9
-56
-16
8
-41
409
409
-25
-8
-12
1
5
6
1
Sample Report
Financial Institution
EXCHANGE PORTFOLIO
NEGOTI AND INTERM OF VA
COLLEC OF BILLS TAXES OT
OTHER OBLIGATIONS
INTERBRANCH ACCOUNTS
OTHER OBLIGATIONS
TOTAL CURRENT LIABILITIE
1.054
269
127
2.693
447
3.267
41.800
5
1
6
72
INTERBANK DEPOSITS
TIME DEPOSITS
ACCEP & SEC ISSUED
DEPOSITS
OWN PORTFOLIO
FUNDS FROM OPEN MARKET
LOC BORR/ONLENDING OBL
FOR BORR/ONLENDING OBL
BORROWINGS AND ONLENDING
DERIVATIVE FINAN INSTRUM
EXCH PORTFOLIO
TRADE & INTERMEDIA VALUE
OTHER OBLIGATIONS
TOTAL L TERM LIAB
4.268
7
686
4.954
1.029
1.029
2.044
491
2.535
DEFERRED INCOME
NATIONAL CAPITAL
FOREIGN CAPITAL
CAPITAL
CAP RESERVES
PROFIT RESERV
(-)TREASURY STOCKS
RESERVES
ADJUST TO SECUR & DERIV
STOCKHOLDERS'EQUITY
TOTAL LIABILITIES
INCOME STATEMENTS
CREDIT OPERATIONS REVENU
LEASING OP REVENUES
RESULTS WITH SECURITIES
EXCHANGE REVENUES
OTHER INCOMES
INCOME FROM FINANC INTER
FUNDING COSTS
BORROW & ONLEN COSTS
ALLOW FOR DOUBT LOANS
EXP FROM FIN INTERMEDIA
GROSS/LOS PROFIT FINA IN
INCOME FROM SERVICES
PERSONNEL EXPENSES
ADM EXPENSES
TAX EXPENSES
OTHER INC / OPER EXPENSE
OPERATING INCOME
OPERATING INCOME
EQUITY IN SUBSIDIARIES
NON OPER INC/EXP
PROV FOR INC TAX & SC CO
STATUT/MAN/EMP/MIN INTE
NET PROFIT
ADJ NET PROFIT/LOSS
STOC EQUI EVOLUTION
BEGINNING STOCKH EQUITY
95
182
8.795
2
4.923
545
569
2.700
434
3.703
52.494
7
1
1
4
1
5
75
367
102
348
4
-42
1
9
2
2
4
1
4
2.473
125
948
3.546
886
886
2.384
1.044
3.428
1
5
1
1
3
1
5
38
-28
-13
-13
16
112
35
15
4
195
858
8.917
1
13
17
2.406
594
3.000
202
4.254
-311
4.145
6.430
490
846
7.766
4.160
4.160
2.492
1.486
3.978
281
8
1
1
10
5
5
3
2
5
160
292
-10
119
369
369
4
42
16
105
371
1
1.432
3.517
21.134
2
4
26
-100
634
309
137
64
29
3
7
26
3
21
-9
16
21
18
13
32
16
-8
14
-7
13
8.564 12
70.003 100
19
21
3.448
4
812
1
4.260
5
167
5.687
7
-262
5.592
7
32
9.884 12
80.238 100
28
4
1
5
7
-1
7
7.145 12
57.757 100
A-99/9999
3.400
%
47
3.669
65
158
7.292
-3.658
-613
-455
-4.726
2.566
2.172
-1.372
-2.028
-283
-70
-1.581
985
1.156
-169
-55
-87
1.830
1.038
50
1
2
100
-50
-8
-6
-65
35
30
-19
-28
-4
-1
-22
14
16
-2
-1
-1
25
14
99/9999
6.420
5
1
5
61
-27
-79
-55
34
14
17
-6
-2
13
25
%
90
3.038
612
3.650
182
4.975
-243
4.914
B-99/9999
5.040
3
4.959
82
161
10.245
-5.565
-1.102
-774
-7.441
2.804
2.508
-1.526
-2.362
-326
-159
-1.865
939
1.683
435
-8
-177
2.872
1.356
4
1
5
7
%
49
B/A
48
48
35
1
26
2
1
100
40
-54 -52
-11 -79
-8 -70
-73 -57
27
9
24
15
-15 -11
-23 -16
-3 -15
-2 -127
-18 -17
9
-4
16
45
4 357
85
-2 -103
28
56
13
30
99/9999
7.145
%
83
3.579
114
251
3.622
496
4.369
49.191
4
C-99/9999
9.089
44
7.527
302
343
17.305
-8.410
-3.380
-1.418
-13.208
4.097
3.031
-1.800
-2.648
-467
-627
-2.511
1.586
1.598
-729
-100
-141
2.214
2.528
%
53
43
2
2
100
-49
-20
-8
-76
24
18
-10
-15
-3
-4
-15
9
9
-4
-1
-1
13
15
99/9999
8.564
%
87
15
14
C/B
80
366
51
268
113
68
-51
-206
-83
-77
46
20
-17
-12
-43
-294
-34
68
-5
-267
-150
20
-22
86
Sample Report
Financial Institution
CAPITAL INCREASE
ADJUST TO SECUR & DERI
NET PROFIT
DIVIDENDS
ADJUSTMENT
FINAL STOCKHOLDERS EQUI
1.830 26
-629 -9
-476 -7
7.145 100
EVOLUTION OF THE CREDITS IN LIQUIDATION
99/9999
%
TOTAL CREDIT OPERATIONS
BEGIN NON PERFORM CREDI
RECOVERIES
CONSTITUTION
CREDIT LOSSES
PORTFOLIO ANALISYS
FUNDING
INVESTMENT
COMMERCIAL
FUNDING
INVESTMENT
INTERBANKING
13.887 100
66
-165
99
99
-1
1
1
99/9999
%
21.301 37
-13.887 -24
7.414 13
7.816
-2.285
5.531
14
-4
10
2.872 34
-808 -9
-645 -8
8.564 100
99/9999
%
18.712 100
-137
137
137
-1
1
1
99/9999
%
25.182 36
-18.712 -27
6.470
9
7.612
-3.120
4.492
11
-4
6
99/9999
%
18.971 100
-146
146
146
-1
1
1
99/9999
%
28.414 35
-18.971 -24
9.443 12
8.252
-5.761
2.491
10
-7
3
FUNDING
INVESTMENT
OPEN MARKET
11.494 20
-11.372 -20
122
INVESTMENT
SECURITIES
-9.143 -16
-9.143 -16
-6.207
-6.207
-9
-9
-8.701 -11
-8.701 -11
FUNDING
INVESTMENT
INTERBANK ACCOUNTS
5.117
-3.240
1.877
9
-6
3
5.828
-3.987
1.841
8
-6
3
8.715 11
-8.984 -11
-269
FUNDING
INVESTMENT
EXCHANGE
1.054
-2.194
-1.140
2
-4
-2
4.927
-5.918
-991
7
-8
-1
3.579
-5.111
-1.532
4
-6
-2
364
-404
-40
1
-1
740
-524
216
1
-1
1.546
-20
1.526
2
FUNDING
INVESTMENT
SECURIT NEGOCIATION & I
FUNDING
INVESTMENT
DERIVATIVE FINAN INSTRU
FUNDING
INVESTMENT
OTHER OPERATIONS
FUNDING
INVESTMENT
OWN WORK CAPITAL
CASH & CASH EQUIVALENTS
TOTAL ASSETS
3.449
-3.001
448
6
-5
1
7.162 12
-10.939 -19
-3.777 -7
1.292
2
57.757 100
12.561 18
-14.929 -21
-2.368 -3
57
1
64
1
2.214 22
-829 -8
-186 -2
9.884 100
4.561
-2.964
1.597
7
-4
2
8.592 12
-12.123 -17
-3.531 -5
1.519
2
70.003 100
10.941 14
-12.351 -15
-1.410 -2
992
-768
224
7.886
-4.784
3.102
2
1
-1
10
-6
4
9.913 12
-13.311 -17
-3.398 -4
1.476
2
80.238 100
FINANCIAL RATIOS
9999 STANDARD 9999
STANDARD 9999
STANDA
CAPITAL STRUCTURE
TOTAL LEVERAGE
7,51 11,91
7,73 10,46
7,77
10,46
PERC OF CUR LIABILITIES TO TOTAL LI 83%
83%
85%
84%
70%
84%
PERCENTAGE OF DEPOSITS
56%
42%
49%
38%
52%
38%
PERC OF BORROWINGS & ONLEND OBLIGAT 12%
12%
14%
10%
12%
10%
PERCENTAGE OF FIXED ASSETS
153%
62%
142%
45%
135%
45%
Sample Report
Financial Institution
LIQUIDITY
IMMEDIATE LIQUIDITY
CURRENT RATIO
GENERAL LIQUIDITY
0,28
0,77
0,93
0,32
0,98
1,03
0,27
0,78
0,94
0,28
1,00
1,04
0,29
0,96
0,95
0,28
1,00
1,04
QUALITY OF CREDIT OPERATIONS
PERCENTAGE OF LENDING OPERATIONS
LENDING OPERATIONS TO PUBLIC SECTOR
NON PERFORMING LOANS OPERATIONS
PERCENTAGE OF PROVISIONS
PERCENTAGE OF PAST DUE CREDITS
P DUE CREDIT & NON PERF LOAN T STOC
24%
3%
0%
-9%
-
24%
1%
-5%
-
27%
2%
0%
-9%
-
23%
1%
0%
-4%
-
24%
3%
0%
-11%
-
23%
1%
0%
-4%
-
14%
14%
14%
-
13%
23%
14%
122,9
7011,5
19%
48%
24%
-
13%
23%
14%
122,9
7011,5
26%
15%
17%
12,8
264,4
31%
22%
23%
-
31%
16%
22%
51,1
1362,8
60%
32%
39%
-
31%
16%
22%
51,1
1362,8
26%
3%
12%
1%
34%
4%
16%
1%
22%
3%
16%
1%
15%
2%
11%
0%
16%
2%
9%
1%
26%
3%
9%
1%
OPERATIONAL COST
FUNDING COST
10%
12%
BORROWINGS & ONLENDING OBLIGAT COST 11%
13%
FINANCIAL INTERMEDIATION COST
11%
12%
AVERAGE COST PER EMPLOYEE
66,0
AVERAGE COST OF BRANCHES
9999,9 2512,0
OPERATIONAL RETURN
LENDING OPERATIONS RETURN
MARKETABLE SECURITIES RETURN
FINANCIAL INTERMEDIATION RETURN
OPERATING PROFIT/LOSS PER EMPLOYEE
OPERATING PROFIT/LOSS PER BRANCHES
NET RETURN ON EQUITY
RETURN ON EQUITY
RETURN ON ASSETS
ADJUSTED NET RETURN ON EQUITY
RETURN ON EQUITY
RETURN ON ASSETS
NON FINANCIAL INFORMATION
COLLATERALS LETT OF GU
TRADING SECURITIES- PR
TRADING SECURITIES- PU
DEPR EXPENSES
NUMB OF BRANCHES
27%
17%
20%
8585,9
99/9999
3.083
99/9999
4.775
-347
2.029
-406
99/9999
6.486
11.522
3.441
-471