Selected Ratios
EXHIBIT 7.1 SELECTED RATIOS’ CALCULATION
EXHIBIT 7.1 SELECTED RATIOS’ CALCULATION | INDEX | Dec-2013 | Dec-2012 | Dec-2011 | Dec-2010 | Dec-2009 | ||||||||||||||||
(COP million ) | ||||||||||||||||||||||
Net interest income | (1) | 5,008,558 | 4,767,023 | 3,903,588 | 3,389,059 | 3,802,282 | ||||||||||||||||
Total Interest Earning Assets | (2) | 91,438,678 | 73,406,938 | 63,290,028 | 53,096,650 | 52,686,295 | ||||||||||||||||
Total Average Assets | (3) | 110,777,484 | 88,656,613 | 75,759,824 | 63,355,081 | 62,629,596 | ||||||||||||||||
Total Average Stockholders’ Equity | (4) | 11,874,312 | 10,655,007 | 8,228,194 | 7,287,936 | 6,416,312 | ||||||||||||||||
Operating Expenses | (5) | 4,639,280 | 4,162,382 | 3,606,348 | 3,098,479 | 2,895,145 | ||||||||||||||||
Net Income | (6) | 1,515,127 | 1,702,046 | 1,663,894 | 1,436,494 | 1,256,850 | ||||||||||||||||
Total Assets | (7) | 130,816,241 | 97,916,380 | 85,463,020 | 68,095,156 | 61,864,365 | ||||||||||||||||
Net Operating, Income | (8) | 7,765,039 | 7,407,160 | 6,263,409 | 5,505,029 | 5,689,231 | ||||||||||||||||
Total Stockholders' Equity | (9) | 12,492,846 | 11,606,955 | 8,993,360 | 7,947,140 | 7,032,829 | ||||||||||||||||
Loans | (10) | 89,459,542 | 69,988,679 | 61,388,428 | 48,601,090 | 42,041,974 | ||||||||||||||||
Non-Performing Loans | (11) | 1,630,027 | 1,228,327 | 930,540 | 928,759 | 1,027,712 | ||||||||||||||||
Allowance for Loans and Accrued Interest Losses | (12) | 4,129,275 | 3,303,665 | 2,856,226 | 2,548,165 | 2,477,604 | ||||||||||||||||
Loans Classified as “C”, “D” y “E” | (13) | 3,677,946 | 2,769,194 | 2,347,201 | 2,098,105 | 2,149,685 | ||||||||||||||||
Technical Capital | (14) | 11,331,614 | 13,764,690 | 9,675,140 | 9,017,449 | 7,286,296 | ||||||||||||||||
Risk Weighted Assets included Market Risk | (15) | 106,826,579 | 87,262,916 | 77,651,097 | 61,449,661 | 55,084,655 | ||||||||||||||||
SELECTED RATIOS: | ||||||||||||||||||||||
Colombian GAAP: | ||||||||||||||||||||||
Profitability Ratios: | ||||||||||||||||||||||
Net Interest Margin | (1) / (2) | 5.48 | % | 6.49 | % | 6.17 | % | 6.38 | % | 7.22 | % | |||||||||||
Return on Average Total Assets | (6) / (3) | 1.37 | % | 1.92 | % | 2.20 | % | 2.27 | % | 2.01 | % | |||||||||||
Return on Average Stockholders’ Equity | (6) / (4) | 12.76 | % | 15.97 | % | 20.22 | % | 19.71 | % | 19.59 | % | |||||||||||
Efficiency Ratio: | ||||||||||||||||||||||
Operating Expenses as a Percentage of Interest, Fees Services and Other Operating Income | (5) / (8) | 59.75 | % | 56.19 | % | 57.58 | % | 56.28 | % | 50.89 | % | |||||||||||
Capital Ratios: | ||||||||||||||||||||||
Period-end Stockholders’ Equity as a Percentage of Period-end Total Assets | (9) / (7) | 9.55 | % | 11.85 | % | 10.52 | % | 11.67 | % | 11.37 | % | |||||||||||
Period-end Regulatory Capital as a Percentage of Period-end Risk-Weighted Assets | (14) / (15) | 10.61 | % | 15.77 | % | 12.46 | % | 14.67 | % | 13.23 | % | |||||||||||
Credit Quality Data: | ||||||||||||||||||||||
Non-Performing Loans as a Percentage of Total Loans | (11) / (10) | 1.82 | % | 1.76 | % | 1.52 | % | 1.91 | % | 2.44 | % | |||||||||||
"C", "D" and "E" Loans as a Percentage of Total Loans | (13) / (10) | 4.11 | % | 3.96 | % | 3.82 | % | 4.32 | % | 5.11 | % | |||||||||||
Allowance for Loan and Accrued Interest Losses as a Percentage of Non-Performing Loans | (12) / (11) | 253.33 | % | 268.96 | % | 306.94 | % | 274.36 | % | 241.08 | % | |||||||||||
Allowance for Loan and Accrued Interest Losses as a Percentage of "C", "D" and "E" Loans | (12) / (13) | 112.27 | % | 119.30 | % | 121.69 | % | 121.45 | % | 115.25 | % | |||||||||||
Allowance for Loan and Accrued Interest Losses as a Percentage of Total Loans | (12) / (10) | 4.62 | % | 4.72 | % | 4.65 | % | 5.24 | % | 5.89 | % |
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