relatório e contas 2013_bmf
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1RELATRIO E CONTAS . ANNUAL REPORT | BMF 2013
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2RELATRIO E CONTAS . ANNUAL REPORT | BMF 2013
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3RELATRIO E CONTAS . ANNUAL REPORT | BMF 2013
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ACTIVIDADEACTIVITY
FUNCIONAMENTOOPERATIONS
SNTESE DOS PRINCIPAIS INDICADORESSUMMARY OF OF MAIN INDICATORS
UNIDADEUNIT
31 DEZ 201331 DEC 2013
31 DEZ 201231 DEC 2012 ABSOLUTA
ABSOLUTERELATIVARELATIVE
VARIAO VARIATION
Margem Financeira Financial Margin Milhares USD Thousands USD 6.787 8.682 (1.895) -22%
Margem Complementar Complementary Margin Milhares USD Thousands USD 1.658 3.290 (1.632) -50%
Produto Bancrio Bank Product Milhares USD Thousands USD 8.445 11.972 (3.527) -29%
Custos Totais Total Costs Milhares USD Thousands USD (15.646) (16.016) 369 -2%
Custos com Pessoal Personnel Costs Milhares USD Thousands USD (5.708) (5.469) (239) 4%
Custos com FST FST Costs Milhares USD Thousands USD (3.593) (4.054) 461 -11%
Custos Operacionais Operating Costs Milhares USD Thousands USD (10.416) (10.297) (119) 1%
Resultados Operacional Operational Result Milhares USD Thousands USD (1.075) 4.141 (5.216) -126%
Turnover Turnover Milhares USD Thousands USD 12.418 20.238 (7.820) -39%
Cash-Flow Cash-Flow Milhares USD Thousands USD (1.971) 1.675 (3.646) -218%
Resultado Ilquido Net income Milhares USD Thousands USD (8.276) 97 (8.374) -8603%
Nmero de Aces Number of Shares Unidade Unit 2.990.000 1.990.000 1.000.000 50,3%
Nmero de Funcionrios Number of Employees unidade Unit 217 249 (32) -13%
Nmero de Balces Number of Branches unidade Unit 25 21 4 19%
Nmero de Contas Number of Accounts unidade Unit 89.043 81.150 7.893 10%
Taxa de Transformao Rendering Levy Rate p.p. 121% 175% - -31%
Nmero de Contas / Nmero de Funcionrios Unidade Unit 410 326 84 26%Number of accounts / Number of staff
Activo / Nmero de Funcionrios Assets / Number of staff Unidade Unit 501 405 96 24%
Custos de Estrutura / Activo Structure Costs / Assets p.p. 14% 16% - -9%
Rcio de Eficincia - Cost-to-income Cost to income p.p. 123% 86% - 43%
Crdito Vencido / Crdito a clientes bruto p.p. 16% 15% - 9%Credit Overdue / Gross credit granted to clients
Provises especficas Crdito / Crdito Vencido p.p. 64% 56% - 13%Specific credit provision / Credit Overdue
Resultado do Exerccio / Net Income for the Period p.p. -93% 1% - -6841%Fundos Prprios Mdios (ROE) Average Net equity (ROE)
Resultado do Exerccio / Net Income for the Period p.p. -8% 0% - -7980%Activo Lquido Mdio (ROA) Average Net Assets (ROA)
Resultado Lquido por Aco Net Income per share USD -2,77 0,05 (3) -5759%
Exposio cambial Foreign currency exposure p.p -84% -85% - -1%
Endividamento / Unidade Unit 2,9 2,8 0 3%Fundos Prprios Qualificados Debt Ratio / Qualified Own Funds
Solvabilidade BNA BNA Solvability p.p. 1,9% 5% - -62%
Imobilizado / Fundos Prprios Regulamentares Fixed Assets/ Regulation Net Equity p.p. 117% 155% - -24%
Activo Lquido Net Assets Milhares USD Thousands USD 108.778 100.815 7.963 8%Crdito a Clientes Lquido Net Credit Granted to Client Milhares USD Thousands USD 63.941 63.896 45 0%
Aplicaes de Liquidez Liquidity Applications Milhares USD Thousands USD 8.912 - 8.912 -
Obrigaes e Outros Ttulos Bonds and Other Financial Instruments Milhares USD Thousands USD - - - -
Imobilizaes Fixed Assets Milhares USD Thousands USD 10.380 10.882 (502) -5%
Depsitos Deposits Milhares USD Thousands USD 52.826 36.455 16.371 45%
Passivo Liabilities Milhares USD Thousands USD 99.920 93.792 6.128 7%
Fundos Prprios Own Funds Milhares USD Thousands USD 8.859 7.023 1.836 26%
BALANO PATRIMONIALPATRIMONIAL BALANCE SHEET
PRODUTIVIDADE & EFICINCIAPRODUCTIVITY & EFFICIENCY
QUALIDADE DO CRDITOCREDIT QUALITY
RENDIBILIDADERENDIBILITY
ADEQUAO DO CAPITALCAPITAL ADEQUACY RATIO
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JAN FEV MAR ABR MAI JUN JUL AGO SET OUT NOV DEZJAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC
140
135
130
125
120
115
130,0 125,6
122,9
125,7124,7
125,9 127,5 127,3131,7 133,6 132,5
134,4
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MILHARES DE USDTHOUSAND USD
16.000
14.000
12.000
10.000
8.000
6.000
4.000
2.000
0
417 550 244 491.337
152674 491 603 290
1.580 7192.232
2.915 3.632
9.492
6.473
8.275
13.584
1.5501.377
4.520
1.7981.217
VOL OPE
VOL OPR
JAN FEV MAR ABR MAI JUN JUL AGO SET OUT NOV DEZJAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC
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MESTRADOMASTERS
2 2
3621
115
41
OUTROS OTHER
PS-GRADUAOPOSTGRADUATION
LICENCIATURA UNIVERSITY DEGREE
BACHAREL BACHELOR
DEGREE
MDIO + FREQUNCIA UNIVERSITRIA
INTERMEDIARY+
UNIVERSITY ATTENDANCE
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DEDICAODedicao a capacidade de se entregar reali-zao de um objetivo. Quem ama o seu trabalho conhece a importncia da palavra dedicao, uma qualidade essencial para o sucesso profissional.
DEDICATIONDedication is the capacity to commit oneself to the attainment of an objective. Those who love their work know the importance of the word dedication, an essential quality to achieve professional success.
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2013Milhares de AKZThousand AKZ
2012 Milhares de AKZThousand AKZ
2013 Milhares de USDThousand USD
2012 Milhares de USDThousand USD
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Saldo EmBalance
N aces Valor no CapitalNr. of shares Value in Share Capital
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Saldo EmBalance
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18. CUSTOS E INSTRUMENTOS FINANCEIROS PASSIVOS
Esta rubrica apresenta a seguinte composio:
18. COSTS AND FINANCIAL INSTRUMENT LIABILITIES
This caption shows the following composition:
2013 Milhares de AKZThousand AKZ
2012 Milhares de AKZThousand AKZ
2013 Milhares de USDThousand USD
2012 Milhares de USDThousand USD
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