Figures according to the standards of the Venezuelan National Securities Superintendency.

  2016 2015 2014 2013 2012
Total Assets
1,484,732
634,325 355,550 239,313 142,642
Loan Portfolio (net)
655,362
344,141 197,382 121,819 77,886
Deposits
1,281,647
534,903 294,675 195,917 114,606
Shareholders' Equity
75,404
44,534 32,554 24,658 15,076

  2016 2015 2014 2013 2012
Net Interest Income 76,685 36,733 18,081 11,484 7,484
Commissions
and Other Income
37,888 15,424 8,141 6,385 3,998
Operating Expenses 96,784 35,550 18,741 11,732 7,523
Net Income 18,036 14,092 9,854 7,250 4,163

  2016 2015 2014 2013 2012
Profitability Indicators
Net Interest Income / Average Financial Assets (NIM) 14.5 12.0 9.3 8.8 8.5
Commissions and Other Income / Total Income 35.8 32.3 33.2 36.7 37.4
Net Earnings for the Period / Average Equity (ROE) 29.2 37.1 36.3 36.5 32.9
Net Earnings for the Period / Average Assets (ROA) 2.0 3.0 3.4 3.8 3.5
Capital Adequacy Indicators
Equity / Risk-Weighted Assets (regulatory minimum 8%) 10.1 11.4 15.2 18.4
Equity / Assets 5,1 7.0 9.2 10.3 10.6
Loan Portfolio Quality Indicators
Past-Due and Non-Performing Loans / Gross Loans Portfolio 0,4 0.2 0.3 0.5 0.9
Allowances for Loan Losses /  Past-Due and Non-Performing Loans 764,4 1,273.3 1,186.9 649.3 372.6
Allowances for Loan Losses /  Gross Loans Portfolio 3,0 3.0 3.1 3.3 3.3
Efficiency Indicators
Operating Expenses / Average Total Assets 9.4 6.4 5.3 5.3 5.4
Operating Expenses / Total Income 61.3 48.3 49.1 47.4 47.7
Liquidity Indicators
Cash and Due from Banks / Deposits 44.9 29.1 26.1 23.7 24.0
Cash and Due from Banks and Investment Portfolio /  Deposits 59.0 47.1 49.5 56.2 52.5

  2016 2015 2014 2013 2012
Number of Employees
In Venezuela 7,281 8,696 8,850 8,944 8,829
Abroad 1,089 1,161 1,003 938 880
Banking Distribution Network
Branches in Venezuela 268 298 299 299 302
Branches Abroad 30 34 30 26 23
Representative Offices 4 5 5 5 5
Correspondent Desk
("Mercantil Aliado"
Network)
64 109 125 128 106
Correspondent Trading Points
("Mercantil Aliado" Network)
237 72 122 188 186
Automatic Teller Machines (ATMs) 1,150 1,333 1,379 1,432 1,392
Point Sale Terminals (POS)(3) 52,454 53,023 50,903 53,388 48,672
(3) Physical points of sale.

Mercantil, empowering your world