Relatório e Contas 2013_BMF

1RELATRIO E CONTAS . ANNUAL REPORT | BMF 2013

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RELATRIO 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


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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

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18. COSTS AND FINANCIAL INSTRUMENT LIABILITIES

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Documents

Relatório e Contas 2013_BMF