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Carta Bancaria / Resumen del Centro

Banking Letters 2001

Introduction
Credit Portfolio
Capital
Liquidity
Results
Interest Rates
Regulation and Supervision

Appendixes - Banking Letters Current Year, Previous Year in Quarters and Three (3) Last Years

Center’s Summary

Chart No. 1 Gross Domestic Product and Cash - 1999, 2000 and 2001 Quarters
Chart No. 2 Balance Sheet - International Banking Center - December 1999, December 2000 y December 2001
Chart No. 10 Main Accounts of the Income Statement - 2001 Year
Chart No. 11 International Banking Center – Financial Statistics 1999, 2000 and 2001 Quarter
Chart No. 20 International Banking Center – Total Assets as of 31 December 2001
Chart No. 32 Geographical Distribution of External Credits Balance
Chart No. 33-A Balance of External Credit to North America 1997-2001 Year
Chart No. 33-B Balance of External Credit to South America
Chart No. 33-C Balance of External Credit to Central America
Chart No. 33-D Balance of External Credit to the Caribbean.
Chart No. 33-E Balance of External Credit to Europe
Chart No. 33-F Balance of External Credit to Asia
Chart No. 33-G Balance of External Credit to Africa
Chart No. 45 Quantity of Employees and distribution by Salary 2001
Banks List - December 31, 2001

Information by Bank Financial Statistics - 1999, 2000 and 2001 Quarters.

Chart No. 18-3 Banco General
Cuadro No 18-4 Banco Trasatlántico
Chart No. 18-5 Banco Continental de Panamá, S.A.
Chart No. 18-6 Banco Mercantil del Istmo
Chart No. 18-7 Wall Street Bank
Chart No. 18-8 MiBanco, S.A.
Chart No. 18-9 Banco Internacional de Panamá, S.A.
Chart No. 18-10 Banco Aliado, S.A.
Chart No. 18-11 TOWERBANK
Chart No. 18-12 Banco Panameño de la Vivienda
Chart No. 18-13 Banco de Latinoamérica, S.A.
Chart No. 18-14 Banco Panamericano, S.A.
Chart No. 18-15 Primer Banco del Istmo, S.A.
Chart No. 18-16 Banco Disa, S.A.
Chart No. 18-17 Multicredit Bank
Chart No. 18-18 Metrobank
Chart No. 18-19 Credicorp Bank
Chart No. 18-20 Global Bank Corporation
Chart No. 18-21 Banco Universal, S.A.
Chart No. 18-22 ABN Amro Bank, N.A.
Chart No. 18-23 Bancafé (Panamá), S.A.
Chart No. 18-24 Banco Santander (Panamá), S.A.
Chart No. 18-25 Banco de Bogotá, S.A.
Chart No. 18-26 Banco Atlántico, S.A.
Chart No. 18-27 HSBC Banck USA
Chart No. 18-28 Banco Do Brasil, S.A.
Chart No. 18-29 BNP Paribas (Panamá), S.A.
Chart No. 18-30 Bancolombia (Panamá), S.A.
Chart No. 18-31 Banco Internacional de Costa Rica, S.A.
Chart No. 18-32 Banco Santander Central Hispano
Chart No. 18-33 Banco Latinoamericano de Exportaciones (BLADEX)
Chart No. 18-34 Unibanca, Banco Universal, C.A.
Chart No. 18-35 Lloyds TSB Bank, plc
Chart No. 18-36 Citibank, N.A.
Chart No. 18-37 Dresdner Bank Lateinamerika, A.G.
Chart No. 18-38 Korea Exchange Bank, Ltd.
Chart No. 18-39 The Bank of Nova Scotia
Chart No. 18-40 The Bank of Tokyo-Mitsubishi, Ltd.
Chart No. 18-41 The Dai-Ichi Kangyo Bank, Ltd.
Chart No. 18-42 BankBoston National Association
Chart No. 18-43 International Commercial Bank of China
Chart No. 18-44 Bank Leumi-Le Israel, B.M.
Chart No. 18-45 Banco Bilbao Vizcaya Argentaria
Chart No. 18-46 Bank of China
Chart No. 18-47 Banque Sudameris
Chart No. 18-48 Banco Uno, S.A.
Chart No. 18-49 BAC International Bank, Inc.
Chart No. 19-1 Interbank Overseas
Chart No. 19-2 Banco de Crédito
Chart No. 19-3 Banco Alemán Platina
Chart No. 19-4 Bancolombia
Chart No. 19-5 Banco de Bogotá
Chart No. 19-6 BNP Paribas
Chart No. 19-7 Bancafé
Chart No. 19-8 Gnb Bank (Panamá), S.A.
Chart No. 19-9 Banco de la Nación Argentina
Chart No. 19-10 Banco del Centro
Chart No. 19-11 Discount Bank and Trust
Chart No. 19-12 Cathay International Bank
Chart No. 19-13 GTC Bank
Chart No. 19-14 Banco del Pacífico
Chart No. 19-15 Societe Generale
Chart No. 19-16 International Union Bank
Chart No. 19-17 Banco de Occidente
Chart No. 19-18 Banco de la Provincia de Buenos Aires
Chart No. 19-19 Popular Bank and Trust, Ltd.
Chart No. 19-20 Dresdner Bank Lateinamerika AG
Chart No. 19-21 Banco de Finanzas
Chart No. 19-22 Atlantic Security Bank
Chart No. 19-23 Bancrédito
Chart No. 19-24 Banesco Internacional
Chart No. 19-25 BCT Bank Panamá
Chart No. 19-26 Austrobank Overseas, S.A.
Chart No. 19-27 Banco Agrícola Comercial El Salvador

National Banking System

Center’s Summary

Chart No. 3 Balance Sheet – National Banking System 1998 - 2001 Years
Chart No. 9 Balance Sheet Panamanian Banking 1998 - 2001 Years
Chart No. 12 Financial Statistics – National Banking System - 1999, 2000, and 2001 Quarters
Chart No. 21 National Banking System – Total Domestic Credits. As of 31 December 2001
Chart No. 22 Balance of Credit to Corporate Loans of the National Banking System -
As of 31 December 2001
Chart No. 23 Balance of Mortgage of the National Banking System - As of 31 December 2001
Chart No. 24 Balance of Credits to Consumer Loan of the National Banking System. - As of 31 December 2001
Chart No. 25 Total Domestic Deposits - As of 31 December 2001
Chart No. 26 Domestic Demand Deposits of Individuals - As of 31 December 2001
Chart No. 27 Domestic Fixed Term Deposits of Individuals. As of 31 December 2001
Chart No. 28 Domestic Savings Accounts Deposits - As of 31 December 2001
Chart No. 29 Domestic Interbank Deposits. - As of 31 December 2001
Chart No. 30 Summary of Balance of Domestic Credit to economic sectors, according to the Banking System, State-owned Banks and Private Banks
Chart No. 30-A Summary of Balance of Domestic Credit to economic sectors, according to Private Banking, Panamanian and Foreign Banking.
Chart No. 34 International Banking System – Balance of Corporate Loans - December 1999, and 2000 - 2001 Quarters
Chart No. 35 Balance of Consumer Loans - 1998 - 2001 Quarters
Chart No. 38 International Banking System – Quantity and Amount of Domestic Savings Accounts (25 First Banks) - As of 31 December 2001
Chart No. 39 Quantity and Amount of Fixed Term Accounts (25 First Banks) - As of 31 December 2001
Chart No. 40 Quantity and Amount of Savings Accounts - As of 31 December 2001
Chart No. 41 International Banking System – Quantity and Amount of Private Fixed Term Deposits - As of 31 December 2001
Chart No. 42 Fixed Term Deposits Rates December 1997 - December 2001
Chart No. 43 Loans Interest Rates December 1997 - December 2001
Chart No. 44 Mortgage Reference Rate of the Domestic Market 1985 – 2001

Private Banking

Chart No. 6 Balance Sheet - 1998 - 2000 Years
Chart No. 15 Financial Statistics - 1999, 2000 and Quarters of 2001.
Chart No. 31 Loans by Province, according to Economic Activity - As of 31 December 2001
Chart No. 36 Consolidate of Investments in Local State Securities
Chart No. 37 Deposits by Province - As of 31 December 2001
Chart No. 40-A Quantity and Amount of Savings Accounts - As of 31 December 2001
Chart No. 41-A Quantity and Amount of Private Fixed Term Deposits - As of 31 December 2001

Panamanian Private Banking

Chart No. 8 Balance Sheet; 1998 - 2001 Years.
Chart No. 17 Financial Statistics, 1999 - 2000 and Quarters 2001.

Foreign Private Banking

Chart No. 7 Balance Sheet. 1998 - 2001 Years
Chart No. 16 Financial Statistics. 1999 - 2000 and Quarters 2001.

State-Owned Banks

Chart No. 5 Balance Sheet - 1998 - 2001 Years.
Chart No. 14 Financial Statistics - Quarters of 1999, 2000 and 2001.
Chart No. 18-1 Banco Nacional de Panamá Financial Statistics - Quarters of 1999, 2000 and 2001.
Chart No. 18-2 Caja de Ahorros Financial Statistics - Quarters of 1999, 2000 and 2001.

- International Banking

Cuadro No. 4 Balance Sheet - 1999, December 2000 and December 2001
Cuadro No. 13 Financial Statistics - 19998, 2000 and 2001 Quarters