INDICADORES FINANCIEROS JULIO 2014

Preparado por Jos Alfredo Guerrero. Reportes generados con base de datos en Access, desarrollada por el
autor con la informacin de la Superintendencia de Bancos publicada en su portal.

INDICADORES ESTRUCTURA DE ACTIVOS

Banesco
(Crditos Vigentes + Inversiones)/Activos

Activos del Banco y Participacin en Total

% Total

Total

1.6

90.0

12000

1.4

80.0

1.2

70.0

60.0

Total Cartera de Crditos/Activos Netos

Banco

20.0
10.0

D09
J10
D10
J11
D11
J12
D12
F13
A13
J13
Ag
-1
3
O
-1
3
D13
F14
A14
J14

0.0

J-14

30.0

A-14

40.0

D-11

50.0

Banco

90.0
80.0
70.0
60.0
50.0
40.0
30.0
20.0
10.0
0.0
J-11

60.0

Total

D-10

70.0

D-09

Total

Total Inversiones/Activos Netos

F-14

0.0

D-13

-1
1
S11
M
-1
2
S12
E13
M
-1
3
M
-1
3
Jl13
S13
N13
E14
M
-1
4
M
-1
4
J14

10.0

O-13

0.2

20.0

Ag-13

2000

30.0

J-13

0.4

A-13

4000

40.0

F-13

0.6

D-12

6000

50.0

J-12

0.8

-0
9
J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14

8000

Banco

10000

J-10

MM RD$
14000

Banesco

Disponibilidades/Activos Netos
Total

Bienes Recibidos en Recuperacin de

Crditos/Activos Netos

Banco
Total

35.0

Banco

1.6

30.0

1.4

25.0

1.2

20.0

1.0
0.8

15.0

0.6

10.0

0.0
D

-0
9

0.0
J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14

0.2

-0
9

5.0

Activos Fijos Brutos/Activos Brutos

Total

J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14

0.4

Otros Activos/Activos Netos

Banco

Total

14.0

4.0

12.0

3.5

10.0

3.0

Banco

2.5

8.0

2.0
6.0

1.5

4.0

-0
9
D

J14

-1
4
A

F14

-1
3
D

-1
3
O

g13
A

J13

-1
3
A

F13

-1
2
D

J12

-1
1

0.0
J11

0.0
-1
0

0.5

J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14

1.0

2.0

INDICADORES ESTRUCTURA DE PASIVOS

Banesco
Total Captaciones/Total Pasivos

Pasivos del Banco y Participacin en Total

MM RD$

% Total

Total

12000

1.40E+00

10000

1.20E+00

Banco

120.0
100.0

1.00E+00

8000

80.0
8.00E-01

2.00E-01

20.0

Total

Total

Banco

25.0

80.0

20.0

60.0

15.0

40.0

10.0

20.0

5.0

0.0

0.0
S-

-1
M

J-14

M-14

M-14

E-14

N-13

S-13

Jl-13

Banco

10
M
-1
1
S11
M
-1
2
S12
E13
M
-1
3
M
-1
3
Jl
-1
3
S13
N
-1
3
E14
M
-1
4
M
-1
4
J14

100.0

1
S11
M
-1
2
S12
E13
M
-1
3
M
-1
3
Jl
-1
3
S13
N
-1
3
E14
M
-1
4
M
-1
4
J14

30.0

M-13

Total Valores Circulacin/Total Captaciones

120.0

S1

M-13

Total Depsitos/Total Captaciones

E-13

0.0
S-12

0.00E+00

-1
1
S11
M
-1
2
S12
E13
M
-1
3
M
-1
3
Jl13
S13
N13
E14
M
-1
4
M
-1
4
J14

40.0

M-12

2000

4.00E-01

S-10

4000

60.0

S-11

6.00E-01

M-11

6000

Banesco

Depsitos a la Vista/Total Depsitos

Total

Depsitos Ahorro/Total Depsitos

Total

Banco

Banco

60.0

90.0
80.0
70.0
60.0
50.0
40.0
30.0
20.0
10.0
0.0

50.0
40.0
30.0
20.0
10.0

3
Jl
-1
3
S13
N
-1
3
E14
M
-1
4
M
-1
4
J14

-1

13

-1

Banco

13

-1
3
E14
M
-1
4
M
-1
4
J14

S-

Jl
-1

3
M

-1

3
-1

13
E-

12
S-

2
-1

11
S-

-1

100.0
90.0
80.0
70.0
60.0
50.0
40.0
30.0
20.0
10.0
0.0
10

-0
9
J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14

12

E-

S-

Total

Banco

500.0
450.0
400.0
350.0
300.0
250.0
200.0
150.0
100.0
50.0
0.0
D

Total Pasivos/Total Activos Netos

S-

Total

-1

11

Activos Productivos/Total Pasivos

S-

-1

10

S-

14
J-

3
Jl
-1
3
S13
N
-1
3
E14
M
-1
4
M
-1
4

-1
M

-1
M

13
E-

12
S-

11

-1
M

S-

-1
M

S-

10

0.0

INDICADORES CARTERA DE PRESTAMOS

Banesco
Cartera Bruta Banco y Participacin en el Total
MM RD$

Cartera Vigente/Cartera Bruta

% Total

Total

8000

1.40E+00

7000

1.20E+00

6000

Banco

120.0
100.0

1.00E+00
80.0

5000

8.00E-01
6.00E-01

1000

40.0

2.00E-01

20.0

0.00E+00

0.0

-1
1
S11
M
-1
2
S12
E13
M
-1
3
M
-1
3
Jl13
S13
N13
E14
M
-1
4
M
-1
4
J14

4.00E-01

-0
9

2000

3000

60.0

Total Cartera Vencida/Cartera Bruta

Total

Cartera Cobranza Judicial/Cartera Bruta

Banco

7.0

J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14

4000

Total

Banco

2.5

6.0

2.0

5.0

1.5

4.0
3.0

1.0

2.0

0.5

1.0

J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14

-0
9
D

D09
J10
D10
J11
D11
J12
D12
F13
A13
J13
Ag
-1
3
O
-1
3
D13
F14
A14

0.0

0.0

Banesco
Cartera Reestructurada/Cartera Bruta

Cartera Vencida/Cartera Bruta

Total

Banco

Total

2.5

Banco

1.2
1.0

2.0

0.8
1.5

0.6
1.0

0.4

0.5

0.2

MM RD$

200

J-14

A-14

F-14

D-13

O-13

Ag-13

J-13

A-13

F-13

D-12

J-12

D-11

Provisin Cartera Crdito/Cartera Vencida

Total

% Total

250

J-11

J-10

D-09

J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14

-0
9
D

Provisiones Cartera Crdito por Banco y Participacin en el

Total

D-10

0.0

0.0

350,000.0

300,000.0

1
150

Banco

250,000.0
200,000.0

150,000.0

100
0

100,000.0

50,000.0
0.0
-0
9
J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14

-1
1
S11
M
-1
2
S12
E13
M
-1
3
M
-1
3
Jl13
S13
N13
E14
M
-1
4
M
-1
4
J14

50

INDICADORES CARTERA DE PRESTAMOS

Banesco
Cartera Vigente MN/Cartera Crdito
Total

Cartera Vigente ME/Cartera Crdito

Total

Banco

120.0

35.0

100.0

30.0

Banco

25.0

80.0

20.0
60.0
15.0
40.0

MM RD$

% Total

12000
10000

1.6

% Total

160

1.4

140

1.2

1.4
120

1.2

4000
2000

-1
1
S11
M
-1
2
S12
E13
M
-1
3
M
-1
3
Jl13
S13
N13
E14
M
-1
4
M
-1
4
J14

0.8

100

0.6

60

0.4

40

0.2

20

1
0.8

80

0
-1
1
S11
M
-1
2
S12
E13
M
-1
3
M
-1
3
Jl13
S13
N13
E14
M
-1
4
M
-1
4
J14

6000

8000

J14

S13
N
-1
3
E14
M
-1
4
M
-1
4

Cartera Vencida y Cobranza Judicial y % Sistema

Cartera e Inversiones Vigentes y % Sistema

MM RD$

S12
E13
M
-1
3
M
-1
3
Jl
-1
3

S10
M
-1
1

J14

E14
M
-1
4
M
-1
4

-1
3
N

S13

Jl
-1
3

M
-1
3

E13
M
-1
3

0.0
S12

0.0
S11
M
-1
2

5.0

S10
M
-1
1

20.0

S11
M
-1
2

10.0

0.6
0.4
0.2
0

INDICADORES LIQUIDEZ

Banesco
Disponibilidades y Participacin en el Total
% Total

Total

4.00E-01

100.0

2.00E-01

50.0

350.0

Total

Disponib.+ Inversiones en Depsitos y

Valores/Total Activos

Banco

Total

Banco

90.0
300.0

80.0

250.0

70.0
60.0

200.0

50.0
150.0

40.0

100.0

30.0
20.0

50.0

10.0

-0
9
J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14

0.0
J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14

-0
9

0.0

J-14

A-14

Disponibilidades/Total Captaciones + Oblig. Con

Costo

F-14

0.0
D-13

0.00E+00

-1
1
S11
M
-1
2
S12
E13
M
-1
3
M
-1
3
Jl13
S13
N13
E14
M
-1
4
M
-1
4
J14

150.0

O-13

500

6.00E-01

Ag-13

1000

200.0

J-13

8.00E-01

A-13

1500

250.0

F-13

1.00E+00

D-12

2000

300.0

J-12

1.20E+00

D-11

2500

Banco

350.0

J-11

1.40E+00

D-10

1.60E+00

J-10

3000

D-09

MM RD$

Disponibilidades/Total de Captaciones

Banesco
Activos Productivos/Total Captaciones + Oblig. Con Costo
Total

6,000.0

Banco

5,000.0
4,000.0
3,000.0
2,000.0
1,000.0

J14

-1
4
A

F14

-1
3
D

-1
3
O

g13
A

J13

-1
3
A

F13

-1
2
D

J12

-1
1
D

J11

-1
0
D

J10

-0
9

0.0

Disponibilidades en Caja

Disponibilidades en Banco Central

MM RD$

% Total
180

8.00E-01

1.80E+00

160

7.00E-01

1.60E+00

140

6.00E-01

1.40E+00
1500

1.20E+00
1.00E+00

1000
500

-1
1
S11
M
-1
2
S12
E13
M
-1
3
M
-1
3
Jl13
S13
N13
E14
M
-1
4
M
-1
4
J14

8.00E-01

120
100
80

5.00E-01
4.00E-01
3.00E-01

6.00E-01

60

4.00E-01

40

2.00E-01

2.00E-01

20

1.00E-01

0.00E+00

0.00E+00

-1
1
S11
M
-1
2
S12
E13
M
-1
3
M
-1
3
Jl13
S13
N13
E14
M
-1
4
M
-1
4
J14

2000

% Total

2.00E+00

MM RD$
2500

ESTRUCTURA GASTOS GENERALES Y ADMINISTRATIVOS

Banesco
Sueldos y compensaciones al personal/Total
Gastos Generales y Administrativos

Gastos Generales y Administrativos y % Total

MM RD$

% Total

1200

2
1.8

1000

1.6
1.4

800

1.2
600

Total

60.0
50.0
40.0

1
0.8

400

0.6

30.0
20.0

0.4

0.0

Otros Gastos generales/Total Gastos grales. y

Admtivos

Total Gastos grales. y Admtivos/Total Gastos

Total

Banco

J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14

-1
1
S11
M
-1
2
S12
E13
M
-1
3
M
-1
3
Jl13
S13
N13
E14
M
-1
4
M
-1
4
J14

10.0

-0
9

0.2

200

120.0

Banco

Total

Banco

70.0
60.0

100.0

50.0
80.0
40.0
60.0

30.0

40.0

0.0
D

-0
9

0.0
J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14

10.0

-0
9

20.0

J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14

20.0

INDICADORES DE GESTION

Banesco
Gastos de Explotacin / Margen Operacional Bruto
(Cost / Income)
3,000.0

Total

Banco

Total Gastos grales. y Admtivos /Total Captaciones

+ Oblig. Con Costo)
Total

2,000.0

1,500.0

1,500.0

1,000.0

1,000.0

500.0

500.0

0.0

0.0
D

-0
9
J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14

2,000.0

J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14

2,500.0

-0
9

2,500.0

Gastos Financieros/Total Captaciones + Oblig. Con

Costo
6.0

Total

Banco

5.0

Banco

3,000.0

Gastos Operacionales / Ingresos Operacionales

Brutos
Total

2,500.0

Banco

2,000.0

4.0

1,500.0

3.0

1,000.0
2.0

500.0

1.0

1
S11
M
-1
2
S12
E13
M
-1
3
M
-1
3
Jl
-1
3
S13
N
-1
3
E14
M
-1
4
M
-1
4
J14

M
-1

S1

J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14

-0
9
D

0.0

0.0

Banesco
Gastos Financieros / Activos Financieros (CF)

Gastos Financieros / Activos Productivos (CE)

Total

7.0

Banco

Total

5.0

Banco

4.5
6.0

4.0

5.0

3.5

4.0

3.0
2.5

3.0

2.0

0
M

-1

S1

J14

M
-1
4

E14
M
-1
4

-1
3
N

S13

Jl
-1
3

M
-1
3

E13
M
-1
3

0.0
S12

0.0
S11
M
-1
2

1.0
0.5

S10
M
-1
1

1.0

1
S11
M
-1
2
S12
E13
M
-1
3
M
-1
3
Jl
-1
3
S13
N
-1
3
E14
M
-1
4
M
-1
4
J14

1.5

2.0

Gastos Financieros / Ingresos Financieros

Total

40.0

Gastos de Explotacin / Activos Productivos

Banco

Total

70.0

35.0

60.0

30.0

50.0

25.0

Banco

40.0

20.0

30.0
15.0

2
S12
E13
M
-1
3
M
-1
3
Jl
-1
3
S13
N
-1
3
E14
M
-1
4
M
-1
4
J14

-1
M

S1

-1

0
S1

J14

M
-1
4

E14
M
-1
4

-1
3
N

S13

M
-1
3
Jl
-1
3

E13
M
-1
3

0.0
S12

0.0
S11
M
-1
2

10.0

S10
M
-1
1

5.0

20.0

10.0

INDICADORES DE GESTION

Banesco
Gasto de Personal / Gastos de Explotacin
Total

Gastos Generales y Administrativos /

No. Empleados ( MM RD$)

Banco

Total

Banco

140.0

60.0

120.0

50.0

100.0

40.0

80.0
30.0
60.0
20.0

-1
M

S1

J-

-1
M

S1

0.0
14

0.0
1
S11
M
-1
2
S12
E13
M
-1
3
M
-1
3
Jl
-1
3
S13
N
-1
3
E14
M
-1
4
M
-1
4

20.0

10.0

Gastos de Personal / No. Empleados (MM RD$)

No. de Empleados / Total de Oficinas

(Nmero de personas)
Total

50.0

1
S11
M
-1
2
S12
E13
M
-1
3
M
-1
3
Jl
-1
3
S13
N
-1
3
E14
M
-1
4
M
-1
4
J14

40.0

Total

Banco

Banco

60.0

45.0

50.0

40.0
35.0

40.0

30.0

30.0

25.0
20.0

20.0

15.0
10.0

10.0

5.0
1
S11
M
-1
2
S12
E13
M
-1
3
M
-1
3
Jl
-1
3
S13
N
-1
3
E14
M
-1
4
M
-1
4
J14

-1
M

S1

J14

M
-1
4

E14
M
-1
4

-1
3
N

S13

M
-1
3
Jl
-1
3

E13
M
-1
3

S12

S11
M
-1
2

S10
M
-1
1

0.0

0.0

Banesco
Activos Productivos / No. Empleados
(MM RD$)

Activos Totales bruto / No. Empleados (MM RD$)

Total

Banco

1,200.0

Total

1,000.0

Banco

900.0

1,000.0

800.0
700.0

800.0

600.0
600.0

500.0
400.0

400.0

300.0
200.0

200.0

100.0

Total

1,400.0

Banco

1,200.0
1,000.0
800.0
600.0
400.0
200.0

J14

E14
M
-1
4
M
-1
4

-1
3
N

S13

E13
M
-1
3
M
-1
3
Jl
-1
3

S12

S11
M
-1
2

S10
M
-1
1

0.0

1
S11
M
-1
2
S12
E13
M
-1
3
M
-1
3
Jl
-1
3
S13
N
-1
3
E14
M
-1
4
M
-1
4
J14

-1
M

S1

3
Jl
-1
3
S13
N
-1
3
E14
M
-1
4
M
-1
4
J14

-1

3
M

-1
M

13
E-

12
S-

11

-1
M

S-

10

-1
M

S-

Activos Totales bruto / No. oficinas (MM RD$)

0.0

0.0

INDICADORES RENTABILIDAD

Banesco
Rentabilidad Patrimonial

Resultados despus de Impto y % en el Total

MM RD$

% Total

Total

150

Banco

40.0

1
0

0
-50

J14

-1
1
S11
M
-1
2
S12
E13
M
-1
3
M
-1
3
Jl13
O
-1
3
D13
F14
A14

-1
-2

0.0
-20.0

J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14

50

20.0

-0
9

100

-40.0

-3
-100

-60.0
-4
-80.0

Activos Productivos/Total Pasivos

Rentabilidad de los Activos

J-14

A-14

F-14

D-13

O-13

Ag-13

J-13

A-13

-50.0

F-13

-40.0

D-11

-30.0

J-11

-20.0

J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14

-0
9

0.0

D-10

10.0

Banco

500.0
450.0
400.0
350.0
300.0
250.0
200.0
150.0
100.0
50.0
0.0
J-10

20.0

-10.0

Total

Banco

D-09

Total

D-12

-5

J-12

-150

J-14

A-14

F-14

D-13

O-13

Ag-13

J-13

A-13

F-13

J-12

D-12

Banco

90.0
80.0

35.0

70.0

30.0

Banco

Total

16.0

Banco

120.0

14.0
100.0

12.0
10.0

80.0

8.0

60.0

6.0

40.0

4.0
20.0

2.0
0.0

0.0

S-10

D-10

M-11

J-11

S-11

S-10

D-10

M -11

J-11

S-11

J-14

M-14

M-14

E-14

J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14

Margen Intermediacin Neto (MIN)/Margen Operacional

Bruto

Margen Intermediacin Neto (MIN) / Activos Productivos

Total

N-13

0.0
S-13

0.0

Jl-13

10.0
M-13

5.0

M-13

20.0

E-13

10.0

S-12

30.0

M-12

15.0

S-11

50.0
40.0

S-10

20.0

M-11

60.0

25.0

-0
9

D-11

Total

Banco

40.0

J-11

Activos Productivos/Activos Totales Brutos

Ingresos Financieros/ Activos Productivos

Total

D-10

Banesco

J-10

D-09

-50.0

INDICADORES DE CAPITAL

Banesco
Capital Circulacin + Reserva Legal/Pasivos +
Patrimonio

Indice de Solvencia
Total

500.0

Total

Banco

Banco

90.0

450.0

80.0

400.0

70.0

350.0

60.0

300.0

50.0

250.0

40.0

200.0

30.0

150.0

20.0

100.0

10.0

50.0

J14

E14
M
-1
4
M
-1
4

-1
3
N

Endeudamiento (Pasivos/Patrimonio Neto) Veces

Total

Banco

J14

0.0
S13
N
-1
3
E14
M
-1
4
M
-1
4

0.0

S10
M
-1
1

2.0

J14

2.0

M
-1
4

4.0

E14
M
-1
4

4.0

-1
3

6.0

S13

6.0

M
-1
3
Jl
-1
3

8.0

E13
M
-1
3

8.0

S12

10.0

S11
M
-1
2

10.0

S10
M
-1
1

Banco

12.0

S12
E13
M
-1
3
M
-1
3
Jl
-1
3

Total

12.0

Activos netos/Patrimonio Neto (Veces)

S11
M
-1
2

S13

M
-1
3
Jl
-1
3

E13
M
-1
3

S12

S11
M
-1
2

S10
M
-1
1

-0
9
J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14

0.0

0.0

Banesco
Activos Improductivos / Patrimonio Neto (Veces)

Cartera de Crdito Vencida (Capital)/ Patrimonio

Neto
Total

25.0

Total

Banco

Banco

4.0
3.5

20.0

3.0
2.5

15.0

2.0
10.0

1.5
1.0

5.0
0.5

Total Captaciones/Pasivos + Patrimonio

100.0

Total

Banco

1
S11
M
-1
2
S12
E13
M
-1
3
M
-1
3
Jl
-1
3
S13
N
-1
3
E14
M
-1
4
M
-1
4
J14

-1

S1

J14

-1
4
A

F14

-1
3
D

-1
3
O

g13
A

J13

-1
3
A

F13

-1
2
D

J12

-1
1
D

J11

-1
0
D

0.0

0.0

Patrimonio Neto y % en el Sistema

MM RD$

% Total

2500

90.0
2000

80.0
70.0

2.5
2

1500

60.0

1.5

50.0
1000

40.0

30.0
500

20.0

0.5

10.0

J10
D
-1
0
J11
D
-1
1
J12
D
-1
2
F13
A
-1
3
J13
A
g13
O
-1
3
D
-1
3
F14
A
-1
4
J14

-0
9
D

-1
1
S11
M
-1
2
S12
E13
M
-1
3
M
-1
3
Jl13
S13
N13
E14
M
-1
4
M
-1
4
J14

0.0