PERSPECTIVAS FINANCIERAS

BANFANB
 01
SITUACIÓN MACROFINANCIERA
● AL 31 DE AGOSTO 2023
 PRONOSTICOS 31-12-2023

INFLACIÓN PIB Crec. M2/1

UCAB IIES 228,00 3,6 238,50

ECOANALITICA 228,5 3,4 239,67

FMI 250,00 5,0 267,50

UAIR 236,76 1,0 233,43

/1 Calculado por UAIR Banfanb

 CRECIMIENTO M2
3.00

MULTIPLICADOR 2.50 2.50

MONETARIO
2.15
2.00 2.05

1.77
1.69 1.75 1.75
1.67 1.71 1.66
1.56 1.56 1.59 1.53 1.54
1.50 1.51 1.48 1.36
ENCAJE IMPLÍCITO 1.33 1.31 1.35 1.27
1.10 1.01 1.21 1.21 1.13 0.99
1.00 0.82 0.86 0.96 0.82
0.89 0.94
0.85 0.96 0.82
0.77
0.75
0.50

0.00
22 22 22 22 22 22 22 22 22 22 22 22 23 23 23 23 23 23 23 23
/20 /20 /20 /20 /20 /20 /20 /20 /20 /20 /20 /20 /20 /20 /20 /20 /20 /20 /20 /20
1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1
1/ 2/ 3/ 4/ 5/ 6/ 7/ 8/ 9/ 10/ 11/ 12/ 1/ 2/ 3/ 4/ 5/ 6/ 7/ 8/
 CRECIMIENTO M2
700.00%

650.00%
635.19%
UCAB IIES 600.00%

550.00%

500.00%

450.00%

400.00%
UAIR BANFANB 350.00%
354.16%
267.50%
300.00%
238.50%
250.00%
233.43%
FMI 200.00%
2021 2022 2023

FMI UCAB UAIR BANFANB

 ESTIMACIÓN TASA INTERBANCARIA
700.00

600.00

500.00

400.00
TASA OVER

300.00
f(x) = 132418.949406422 x^-0.47754733129844
200.00
R² = 0.430539595115553
100.00

-
-

5,000,000.00

10,000,000.00

15,000,000.00

20,000,000.00

25,000,000.00

30,000,000.00

35,000,000.00
BASE MONETARIA
Proyección Tasa Interbancaria
BASE TASA INTERBANCARIA
MONETARIA ,000 Bs % promedio

sep-23 40.117.318,73 30,73

oct-23 42.156.163,68 30,01

nov-23 43.512.063,63 29,56

dic-23 44.958.356,90 29,10

02 CAPTACIONES
 PREDICCIÓN CRECIMIENTO CAPTACIONES BS
1,800,000,000.00
LIMITES PREVISIONES 1550828215.95847
1,600,000,000.00

1,400,000,000.00 1,333,737,431.39

1,200,000,000.00
PRONOSTICO SOBRE LA
BASE MONETARIA 1,000,000,000.00

800,000,000.00

PREVISIÓN 600,000,000.00 1058184055.31013

400,000,000.00
565539894.661793
200,000,000.00

-
01/31/202106/20/202111/07/202103/27/202208/14/202201/01/202305/21/202310/08/2023

Previsión Límite de confianza inferior

Límite de confianza superior Crecimiento BM
 SISTEMA BANCARIO VS BANFANB
80,000,000.00 3,500,000,000.00

3,000,000,000.00
70,000,000.00

CAPTACION USD BANFANB

2,500,000,000.00
60,000,000.00
Linear (CAPTACION USD BANFANB)

CAPTACIONES USD SISTEMA BANCARIO 2,000,000,000.00

Linear ( CAPTACIONES USD SISTEMA BANCARIO )
50,000,000.00
1,500,000,000.00

40,000,000.00
1,000,000,000.00

30,000,000.00
500,000,000.00

20,000,000.00 -
Jan-23 Feb-23 Mar-23 Apr-23 May-23 Jun-23 Jul-23
 CAPTACIONES USD. PRONOSTICO 31-12-2023
100,000,000.00
90,000,000.00
80,000,000.00 TIPO DE
70,000,000.00 CAMBIO = 49,15
60,000,000.00
50,000,000.00
BS*USD
40,000,000.00
30,000,000.00 27,656,220.
20,000,000.00 38
10,000,000.00 7,374,269.1
- 1
Jun-20 Jan-21 Jul-21 Feb-22 Aug-22 Mar-23 Oct-23

$11,5 M $21,5 M $27,1 M $31,6 M

ESTIMADO POR LÍMITE

LÍMITE TENDENCIAL POLITICA
INFERIOR SUPERIOR
MONETARIA
ESPERADA
 PUNTOS A RESALTAR

El marco general de la liquidez bancaria continúa siendo muy restrictivo, lo que se deriva de
LIQUIDEZ la continuidad de la política monetaria fuertemente astringente, a través de la fijación de un
nivel del coeficiente de encaje legal aún muy alto

TASA INTERBANCARIA FINAL AÑO Se espera una importante caida al final del año, debido al aumento de las reservas
excedentarias por mayor incremento de la base monetaria.

INFLACIÓN / TIPO DE CAMBIO Se espera una acelaración de estas variables al final del año debido a un aumento del
financiamiento monetario del défict de empresas públicas no financieras.

MULTIPLICADOR MONETARIO Se ubicará alrededor de 1,74 dependiendo del encaje implícito que en algunos casos supera el
100%

RESERVAS EXCEDENTARIAS Crecerá por mayor disponibilidad de fondos.

CAPTACIONES EN MONEDA EXTRANJERA

En la relación que mide el porcentaje

de liquidez en divisas de los depósitos
en el sistema financiero de Venezuela,
destacan 10 instituciones cuyos
depósitos en moneda extranjera
representan un porcentaje mayor al 40%
del total de los depósitos obtenido
 COMPOSICIÓN DE LAS CAPTACIONES
ADMINISTRACION CENTRAL PERSONAS JURIDICAS
P/J CTAS
CORRIENTES
7% 7%
DOLARES
1%

ENTES DESCENT Y OTROS ORGAN

24%
ENTES DESCENT/OTROS ORG ESPE
1%

PERSONAS NATURALES
60%
ACTIVOS
COMPOSICIÓN DE LOS ACTIVOS SISTEMA C0MPOSICIÓN ACTIVO BANFANB A
BANCARIO A JULIO 2023 JULIO 2023

OTROS BIENES DE
ACTIVOS USO

CARTERA DE
CRÉDITOS
INVERSIONES
EN TÍTULOS
VALORES

DISPONIBIL-
IDADES
 PROYECCIÓN ACTIVO ESCENARIO TENDENCIAL

C U E N T A S
30/09/2023 31/10/2023 30/11/2023 31/12/2023

ACT IVO

DISPONIBILIDADES 878.275.513 907.689.079 937.102.645 966.516.211

- - - -
INVERSIONES EN TÍTULOS VALORES 853.310.879 881.888.376 910.465.873 939.043.370
- - - -
CARTERA DE CRÉDITOS 54.288.464 56.106.592 57.924.720 59.742.848
- - - -
INTERESES Y COMISIONES POR COBRAR 3.104.597 3.208.570 3.312.543 3.416.517
- - - -
INVERSIONES EN EMPRESAS FILIALES, AFILIADAS Y SUCURSALES - - - -
- - - -
BIENES REALIZABLES - - - -
- - - -
BIENES DE USO 9.214.852 9.523.459 9.832.065 10.140.672
- - - -
OTROS ACTIVOS 36.943.631 38.180.878 39.418.125 40.655.372
- - - -

TOTAL DEL ACTIVO 1.864.229.050 1.926.662.333 1.989.095.616 2.051.528.899

 PROYECCIÓN ACTIVO ESCENARIO ESTIMADO SOBRE CRECIMIENTO BASE
MONETARIA

C U E N T A S
30/09/2023 31/10/2023 30/11/2023 31/12/2023

ACT IVO

DISPONIBILIDADES 1.087.025.513 1.142.270.394 1.179.010.083 1.218.199.085

- - - -
INVERSIONES EN TÍTULOS VALORES 1.056.127.243 1.109.801.810 1.145.497.188 1.183.572.258
- - - -
CARTERA DE CRÉDITOS 67.191.837 70.606.665 72.877.639 75.300.012
- - - -
INTERESES Y COMISIONES POR COBRAR 3.842.502 4.037.786 4.167.657 4.306.185
- - - -
INVERSIONES EN EMPRESAS FILIALES, AFILIADAS Y SUCURSALES - - - -
- - - -
BIENES REALIZABLES - - - -
- - - -
BIENES DE USO 11.405.054 11.984.682 12.370.154 12.781.325
- - - -
OTROS ACTIVOS 45.724.455 48.048.266 49.593.678 51.242.117
- - - -

TOTAL DEL ACTIVO 2.307.322.143 2.424.585.018 2.502.568.743 2.585.751.383

 03
ESTADO DE
RESULTADOS
 COMPOSICIÓN DEL GASTO ENE –JUL 2023
GASTOS DE TELEFONO Y FAX

GASTOS DE ALIMENTACION GTOSGENERALES DIVERSOS

TARJETAS DE CREDITOS

BONIFICACION ESPECIAL

PUBLICIDAD IMAGEN CORPORATIV

PRESTACIONES SOCIALES DEL PE

GASTOS POR INTERCAMBIO SUICH

MANT AG A NIVEL NACIONAL

SOFTWARE ADMINISTRATIVO

SERVREDES/ENLACS/CONEXDATO

SUELDOS EMPLEADOS BANFANB

UTILIDADES Y BONIF EMPLEADOS

SERVICIO MENSAJERIA TEXTO(TE

REPARACIONES/REMODELACIONES
 COMPOSICIÓN DEL INGRESO ENE –JUL 2023
ING OPERATIVOS POS
COMISION BANFANBCLUB

RENDVARCRCOMVIGR/
BCV01
COM P/RETIRO DIVISAS
EFECTIV

COMISP/VENTA DE DIVISAS

COMISIONES BANCARIAS

OBLIGACIONES OVERNIGHT REND CERTIFICADOS NOM-

INATIV
 UTILIDAD NETA TENDENCIAL
8.00 160,000,000.00 12.00 9.56 200,000,000
7.20 7.20 7.20 7.20 7.20
8.56 180,000,000
7.00 140,000,000.00
10.00 7.56 160,000,000
6.00 120,000,000.00 6.56
4.56 140,000,000
8.00 5.56
5.00 100,000,000.00 4.56 120,000,000
3.89
4.00 80,000,000.00 6.00 3.89 100,000,000
80,000,000
3.00 60,000,000.00 4.00
60,000,000
2.00 40,000,000.00 40,000,000
2.00
1.00 20,000,000.00 20,000,000
- - - -
3 3 3 Jun-23 Jul-23 Aug-23 Sep-23 Oct-23 Nov-23 Dec-23
-2
3
l-2 -2 -2 -2
3 23 23
n g p ct v- c-
Ju Ju Au Se O N
o
D
e
RESULTADO NETO ANUALIZADO
RESULTADO NETO ESTIMACIONES MONETARIAS
RESULTADO NETO ANUALIZADO
ROA TENDENCIAL
RESULTADO NETO ESTIMACIONES MONETARIAS
ROA TENDENCIAL
UTILIDAD NETA CON
PRONPENSIÓN A LA MEDIA DE
7,78% JULIO 2023
 159.630.006 BS
PROMEDIO DE LAS ESTIMACIONES DE UTILIDAD NETA AL 31-12-2023
 3.247.812,94 USD
PROMEDIO DE LAS ESTIMACIONES DE UTILIDAD NETA AL 31-12-2023
 04
ASUNTOS
ESTRATÉGICOS
CRECIMIENTO
 TASA DE
CRECIMIENTO
INTERNO EXPLICACIÓN

𝑅𝑂𝐴∗𝑏 Dado que Banfanb se está auto

financiando, se estima la tasa de

𝑇𝐶𝐼= crecimiento a la cual puede mantenerse,

siendo “b” la tasa de reinversión de las

1− 𝑅𝑂𝐴∗𝑏 utilidades que en el caso de Banfanb se

interpreta que los aportes a los fondos
gubernamentales registrados en la cuenta
gastos generales diversos.
 TASA DE
CRECIMIENTO
INTERNO EXPLICACIÓN

𝑇𝐶𝐼=+6,67
Dado que Banfanb se está auto
financiando, se estima la tasa de
crecimiento a la cual puede mantenerse,
siendo “b” la tasa de reinversión de las
utilidades que en el caso de Banfanb se
interpreta que los aportes a los fondos
gubernamentales registrados en la cuenta
gastos generales diversos.
05
CONCLUSIONES
/RECOMENDACIONES
 CONCLUSIONES/RECOMENDACIONES
● EL ÚLTIMO SEMESTRE DEL AÑO LA EXPANSIÓN DEL FINANCIAMIENTO DEL BCV AL SECTOR
PÚBLICO SE INCREMENTARÁ HACIENDO BAJAR LAS TASAS INTERBANCARIAS.
● ESTA SITUACIÓN AFECTARÁ LA RENTABILIDAD DEL BANCO.
● UNA POSIBLE SOLUCIÓN ES REESTRUCTURAR LA COMPOSICIÓN DEL BALANCE:
● AUMENTAR LA CARTERA DE CRÉDITO.
● DISMINUIR LA PARTICIPACIÓN DE LAS DISPONIBILIDADES (LIQUIDEZ OCIOSA)
● AUMENTAR LAS CAPTACIONES EN DIVISAS (LAS CUALES TIENEN MAYOR POTENCIAL DE
RENTABILIDAD)
● SE RECOMIENDA, ADEMÁS, AUMENTAR LA RENTABILIDAD ROA DE LOS ACTIVOS, EN GENERAL.
● AUMENTAR LA TASA DE CRECIMIENTO DEL BANCO, REINVIRTIENDO UN PORCENTAJE MAYOR DE
LAS UTILIDADES LO QUE SE LOGRARÍA CON UNA DISMINUCIÓN DE LOS APORTES, DADO QUE EL
BANCO HA VENIDO PERDIENDO MARKET SHARE DESDE EL AÑO 2022.
● MONITOREAR EL COMPORTAMIENTO DEL SISTEMA BANCARIO.
 TABLE OF CONTENTS

01 02 03
OVERVIEW ANALYSIS MARKETING
You can describe the topic of You can describe the topic of You can describe the topic of
the section here the section here the section here

04 05 06
MANAGEMENT OPERATE FINANCIAL
You can describe the topic of You can describe the topic of You can describe the topic of
the section here the section here the section here
 TARGET

GENDER & AGE AVERAGE SPENDING

$5,000
20% 20 - 40
SKILLS
25% MARS
40% 25 - 35
60% EARTH

40% 25 - 35
15% JUPITER
 COMPETITORS

MERCURY SATURN
Mercury is the closest It’s composed of
planet to the Sun hydrogen and helium

JUPITER MARS
It’s the biggest planet in Despite being red, Mars
the Solar System is a cold place
 THEM
Mercury is the closest planet to the Sun
and the smallest one in the Solar System
—it’s only a bit larger than the Moon.
This planet’s name has nothing to do with
the liquid metal, since Mercury was
named after the Roman messenger god
US
Venus has a beautiful name and is the
second planet from the Sun. It’s terribly
hot—even hotter than Mercury—and its
atmosphere is extremely poisonous. It’s
the second-brightest natural object in the
night sky after the Moon
 PROBLEM
Mercury is the closest planet to the
Sun and the smallest one in the Solar
System—it’s only a bit larger than the
Moon. The planet’s name has nothing
to do with the liquid metal, since
Mercury was named after the Roman
messenger god
SOLUTION
Venus has a beautiful name and is the
second planet from the Sun. It’s
terribly hot—even hotter than Mercury
—and its atmosphere is extremely
poisonous. It’s the second-brightest
natural object in the night sky after the
Moon
 TARGET

GENDER & AGE AVERAGE SPENDING

$5,000
20% 20 - 40
SKILLS
25% MARS
40% 25 - 35
60% EARTH

40% 25 - 35
15% JUPITER
 MARKET SIZE

20% 35%

NEPTUNE VENUS
MARS JUPITER It’s the farthest planet Venus is the second
Mars is cold Jupiter is big from the Sun planet from the Sun
 OUR SERVICES

SATURN
It’s a gastly planet, composed
mostly of hydrogen and helium

MARS
Despite being red, Mars is actually
a cold place

JUPITER
It’s a gas giant and the biggest
planet in the Solar System
 BREAK-EVEN ANALYSIS

LOSS PROFIT
Saturn is composed of Mercury is the closest planet
hydrogen and helium to the Sun

-35% -10% 0% 40% 65%

BIG LOSS BREAK-EVEN HIGH PROFIT

Jupiter is the biggest planet in Despite being red, Mars is a Earth is the third planet from
the Solar System very cold place the Sun
 OUR PLANS

$30 $50 $100

BASIC PRO PREMIUM

Mercury is the closest planet to Despite being red, Mars is Venus has a beautiful name and
the Sun and the smallest in the actually a cold place. It’s full of is the second planet from the
Solar System iron oxide dust Sun
 SALES AND DISTRIBUTION

CHANNEL 2 CHANNEL 4

Mercury is the closest Despite being red, Mars

planet to the Sun is a cold place

CHANNEL 1 CHANNEL 3
The Moon is Earth’s Saturn is a gas giant
only natural satellite and has several rings
 ADVERTISING AND PROMOTION

MERCURY VENUS MARS

Mercury is the closest Venus is the second planet Despite being red, Mars is
planet to the Sun from the Sun a cold place

JUPITER SATURN NEPTUNE

It’s the biggest planet in Saturn is a gas giant and It’s the farthest planet
the Solar System has several rings from the Sun
 AN IMAGE
REINFORCES THE
CONCEPT
Images reveal large amounts of data, so
remember: use an image instead of a long text.
Your audience will appreciate it
 OUR TEAM

ELENA JAMES JOHN DOE

You can replace the image on You can replace the image on
the screen with your own the screen with your own
 ORGANIZATIONAL CHART

ORGANIZATION

TEAM 1 TEAM 2
Mercury is the closest Despite being red, Mars is
planet to the Sun a cold place

MOON JUPITER SATURN NEPTUNE

The Moon is Earth’s It’s the biggest planet Saturn is a gas giant It’s the farthest planet
only natural satellite in the Solar System and has several rings from the Sun
 OUR PARTNERS

SATURN MERCURY MARS

Saturn is a gas giant and has Mercury is the closest Despite being red, Mars is a
several rings planet to the Sun cold place

VENUS JUPITER
Venus is the second planet It’s the biggest planet in the
from the Sun Solar System
 05
OPERATING PLAN
You can enter a subtitle here if you need it
 OUR PROCESS

SATURN MERCURY
Saturn was named after Mercury is the closest
a Roman god planet to the Sun

1 2 3 4
JUPITER MARS
Jupiter is the biggest Despite being red,
planet of them all Mars is a cold place
06
FINANCIAL PLAN
You can enter a subtitle here if you need it
 BALANCE SHEET

ASSETS
4M What the company owns

LIABILITIES
2M What the company owes

EQUITY
2M The difference between both
POSSIBILITIES

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