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| 18 CONSOLIDATED FINANCIAL STATEMENTS |
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Commercial Banks |
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as of end of periods indicated |
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in billion pesos |
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Selected
Accounts |
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COMMERCIAL
BANKS |
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March 1999 |
June 1999 |
Sept 1999 |
Dec 1999 |
March 2000 |
June 2000 |
Sept 2000 |
Dec 2000 |
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CONSOLIDATED STATEMENT OF INCOME AND EXPENSE |
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TOTAL OPERATING INCOME |
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7.031 |
13.750 |
19.324 |
23.839 |
6.354 |
12.989 |
19.692 |
27.836 |
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NET INTEREST INCOME |
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4.197 |
8.761 |
12.595 |
16.110 |
4.180 |
8.640 |
13.030 |
18.150 |
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INTEREST INCOME |
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10.966 |
22.119 |
31.276 |
39.408 |
10.243 |
22.562 |
34.779 |
49.981 |
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INTEREST EXPENSE |
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6.769 |
13.357 |
18.682 |
23.298 |
6.063 |
13.922 |
21.749 |
31.831 |
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NON-INTEREST INCOME |
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2.834 |
4.989 |
6.729 |
7.730 |
2.174 |
4.349 |
6.662 |
9.687 |
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FEE BASED INCOME |
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1.084 |
2.158 |
2.998 |
3.779 |
0.912 |
1.906 |
2.904 |
4.125 |
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TRADING INCOME |
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1.239 |
2.114 |
2.560 |
2.729 |
0.996 |
1.680 |
2.504 |
3.621 |
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TRUST DEPARTMENT
INCOME |
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0.113 |
0.193 |
0.283 |
0.380 |
0.093 |
0.178 |
0.269 |
0.365 |
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OTHER INCOME |
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0.398 |
0.523 |
0.887 |
0.842 |
0.173 |
0.585 |
0.985 |
1.576 |
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TOTAL OPERATING EXPENSES |
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6.183 |
11.943 |
17.525 |
23.931 |
4.874 |
10.691 |
17.040 |
24.218 |
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BAD DEBTS
WRITTEN OFF |
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0.533 |
0.752 |
0.893 |
0.700 |
0.036 |
0.093 |
0.145 |
0.002 |
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PROVISIONS FOR
PROBABLE LOSSES |
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0.902 |
1.736 |
2.739 |
5.309 |
0.354 |
0.810 |
2.049 |
3.270 |
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OTHER OPERATING
EXPENSES |
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4.747 |
9.455 |
13.893 |
17.922 |
4.484 |
9.788 |
14.846 |
20.946 |
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Overhead
costs |
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3.000 |
5.816 |
8.444 |
10.842 |
2.784 |
6.224 |
8.795 |
12.240 |
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Other
expenses |
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1.747 |
3.639 |
5.449 |
7.079 |
1.700 |
3.564 |
6.051 |
8.706 |
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NET OPERATING INCOME / (LOSS) |
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0.848 |
1.807 |
1.799 |
(0.091) |
1.480 |
2.298 |
2.652 |
3.618 |
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EXTRAORDINARY CREDITS / (CHARGES) |
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0.358 |
0.330 |
0.393 |
0.488 |
0.091 |
0.218 |
0.197 |
0.407 |
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NET INCOME/(LOSS) BEFORE TAX |
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1.206 |
2.137 |
2.192 |
0.397 |
1.571 |
2.516 |
2.849 |
4.025 |
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PROVISIONS FOR INCOME TAX |
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0.408 |
0.403 |
0.752 |
1.009 |
0.466 |
0.740 |
1.017 |
1.024 |
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NET INCOME/(LOSS)
AFTER TAX |
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0.798 |
1.734 |
1.439 |
(0.612) |
1.105 |
1.776 |
1.832 |
3.001 |
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Note: Presented data are based on financial
statements periodically submitted by banks in accordance with existing
regulations. |
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Said submissions are processed and aggregated to
derive industry results. For
unsubmitted and/or defective bank reports |
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for the period, the most recent processed report
available is used as proxy in the generation of said industry aggregates. |
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Details may not add up to totals due to rounding. |
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Source: Bangko Sentral ng Pilipinas |
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