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Antilliaans Dagblad Maandag 30 april 2018 ADVERTENTIE 17

Consolitated Balance sheet as of I Assets
Ƒŏ %åÏåĵÆåųØ ƗljŏƁ 12.31.2017 12.31.2016
&JXIV TVSTSWIH ETTVSTVMEXMSR SJ VIWYPXW &3, &3,
INVESTMENT SECURITIES
12.31.2017 12.31.2016 &ZEMPEFPI JSV WEPI
&3, &3, 1IWW EPPS[ERGI JSV PSWWIW
ASSETS Net investments 106 105
(EWL ERH HYI JVSQ FEROW
.RZIWXQIRX WIGYVMXMIW 12.31.2017 12.31.2016
1SERW ERH EHZERGIW XS GYWXSQIVW &3, &3,
'ERO TVIQMWIW ERH IUYMTQIRX LOANS AND ADVANCES TO CUSTOMERS
,SSH[MPP ERH SXLIV MRXERKMFPI EWWIXW 7IXEMP GYWXSQIVW
.RZIWXQIRX TVSTIVX] (SVTSVEXI GYWXSQIVW
4XLIV EWWIXW 4XLIV
Total loans and advances 352,890 339,745
TOTAL ASSETS 464,741 476,306
1IWW EPPS[ERGI JSV PSER PSWWIW
LIABILITIES AND STOCKHOLDER’S EQUITY Net loans and advances 344,372 332,655
Liabilities
(YWXSQIV HITSWMXW
)YI XS SXLIV FEROW
)IJIVVIH XE\ PMEFMPMXMIW
4XLIV PMEFMPMXMIW II Liabilities
12.31.2017 12.31.2016
384,361 397,009 &3, &3,
CUSTOMER DEPOSITS
Stockholder’s equity 7IXEMP GYWXSQIVW
.WWYIH GETMXEP (SVTSVEXI GYWXSQIVW
LEVI TVIQMYQ 4XLIV
4XLIV VIWIVZI Total customer deposits 376,073 388,173
7IXEMRIH IEVRMRKW
80,380 79,297

TOTAL LIABILITIES AND 464,741 476,306 Report of the independent auditor on
STOCKHOLDERS’ EQUITY
the Consolidated Financial Highlights

Consolidated Income statement for TO THE SHAREHOLDERS, BOARD -MKLPMKLXW SJ )SQIWXMG 'EROMRK .RWXMXYXMSRW
EW WIX F] XLI (IRXVEP 'ERO SJ (YVE±ES ERH
OF SUPERVISORY DIRECTORS AND
ƋĘå Ƽå±ų åĹÚåÚ Ƒŏ %åÏåĵÆåųØ ƗljŏƁ MANAGING BOARD OF VIDANOVA MRX 2EEVXIR Ƹ('( ƹ
BANK N.V.
ȶȉȦȮ ȶȉȦȰ AUDITOR’S RESPONSIBILITY
&3, &3, 8LI EGGSQTER]MRK GSRWSPMHEXIH ǻ RERGMEP 4YV VIWTSRWMFMPMX] MW XS I\TVIWW ER STMRMSR
LMKLPMKLXW [LMGL GSQTVMWI XLI GSRWSPMHEXIH on the consolidated financial highlights
FEPERGI WLIIX EW SJ )IGIQFIV XLI FEWIH SR SYV TVSGIHYVIW [LMGL [IVI
.RXIVIWX MRGSQI
GSRWSPMHEXIH MRGSQI WXEXIQIRX JSV XLI ]IEV GSRHYGXIH MR EGGSVHERGI [MXL .RXIVREXMSREP
.RXIVIWX I\TIRWI
IRHIH )IGIQFIV ERH VIPEXIH XERHEVH SR &YHMXMRK . & Ƹ*RKEKIQIRXW
RSXIW EVI HIVMZIH JVSQ XLI EYHMXIH XS 7ITSVX SR YQQEV] +MRERGMEP XEXIQIRXW ƹ
Net interest income 15,405 14,985 GSRWSPMHEXIH JMRERGMEP WXEXIQIRXW SJ
:MHERSZE 'ERO 3 : JSV XLI ]IEV IRHIH OPINION
+II ERH GSQQMWWMSR MRGSQI )IGIQFIV ;I I\TVIWWIH ER .R SYV STMRMSR XLI GSRWSPMHEXIH ǻ RERGMEP
+II ERH GSQQMWWMSR I\TIRWIW YRQSHMJMIH EYHMX STMRMSR SR XLSWI LMKLPMKLXW HIVMZIH JVSQ XLI EYHMXIH GSR
GSRWSPMHEXIH ǻ RERGMEP WXEXIQIRXW MR SYV WSPMHEXIH ǻ RERGMEP WXEXIQIRXW SJ :MHERSZE
Net fee and commission income 2,405 2,449 VITSVX HEXIH &TVMP 'ERO 3 : JSV XLI ]IEV IRHIH )IGIQFIV
EVI GSRWMWXIRX MR EPP QEXIVMEP VIWTIGXW
8LI GSRWSPMHEXIH ǻ RERGMEP LMKLPMKLXW HS [MXL XLSWI GSRWSPMHEXIH JMRERGMEP WXEXI
,EMRW PIWW PSWWIW JVSQ MRZIWXQIRX WIGYVMXMIW
RSX GSRXEMR EPP XLI HMWGPSWYVIW VIUYMVIH F] QIRXW MR EGGSVHERGI [MXL XLI 5VSZMWMSRW
4XLIV STIVEXMRK MRGSQI
.RXIVREXMSREP +MRERGMEP 7ITSVXMRK XERHEVHW JSV XLI )MWGPSWYVI SJ (SRWSPMHEXIH +MRERGMEP
2,834 2,780
Reading the consolidated financial -MKLPMKLXW SJ )SQIWXMG 'EROMRK .RWXMXYXMSRW
LMKLPMKLXW XLIVIJSVI MW RSX E WYFWXMXYXI JSV EW WIX F] ('(
Operating income 20,644 20,214 VIEHMRK XLI EYHMXIH GSRWSPMHEXIH ǻ RERGMEP
WXEXIQIRXW SJ :MHERSZE 'ERO 3 : (YVE±ES &TVMP
EPEVMIW ERH SXLIV IQTPS]II I\TIRWIW
4GGYTERG] I\TIRWIW MANAGEMENT’S RESPONSIBILITY
3IX MQTEMVQIRX PSWWIW SR PSERW ERH EHZERGIW FOR THE CONSOLIDATED FINANCIAL JSV *VRWX =SYRK &GGSYRXERXW
4XLIV STIVEXMRK I\TIRWIW HIGHLIGHTS
2EREKIQIRX MW VIWTSRWMFPI JSV XLI ( QSVIRFYVK 7& &&

TVITEVEXMSR SJ XLI GSRWSPMHEXIH ǻ RERGMEP * 7 XEXMYW ZER *TW (5&
Operating expenses 19,259 16,568
LMKLPMKLXW MR EGGSVHERGI [MXL XLI 5VSZMWMSRW

JSV XLI )MWGPSWYVI SJ (SRWSPMHEXIH +MRERGMEP
Net result from operations 1,385 3,646

Net result before tax
5VSǻ X XE\ I\TIRWI

Net result after tax 1,083 2,833