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| 33 SELECTED PERFORMANCE
INDICATORS |
|
| Rural and
Cooperative Banking System |
|
| for the
periods indicated |
|
| in percent |
|
| |
|
|
|
|
|
|
|
|
|
|
| |
1999 |
|
2000 |
|
| |
Mar |
June |
Sept |
Dec |
|
Mar |
June |
Sept |
Dec |
|
| Annual Growth Rates |
|
|
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
|
|
| Balance Sheet |
|
|
|
|
|
|
|
|
|
|
| Total assets |
3.7
|
2.1
|
2.4
|
2.1
|
|
3.4
|
6.1
|
6.6
|
8.8
|
|
| Cash and Due From Banks |
(1.7) |
(2.5) |
5.6
|
6.0
|
|
17.2
|
16.2
|
9.9
|
18.6
|
|
| Loans (gross) |
2.6
|
1.2
|
0.2
|
(0.6) |
|
(1.4) |
0.3
|
0.9
|
1.6
|
|
| Allowance for probable losses |
59.5
|
66.6
|
68.0
|
51.2
|
|
41.6
|
27.2
|
20.9
|
15.4
|
|
| Loans (net) |
1.4
|
(0.3) |
(1.5) |
(2.1) |
|
(2.9) |
(0.7) |
0.1
|
1.0
|
|
| Investments (net) |
7.4
|
2.7
|
4.5
|
(6.8) |
|
27.2
|
38.1
|
49.7
|
87.4
|
|
| Other Assets |
25.3
|
23.5
|
20.3
|
22.4
|
|
14.7
|
21.5
|
24.8
|
20.4
|
|
| Deposits |
0.6
|
0.5
|
1.9
|
(2.4) |
|
4.2
|
6.6
|
7.9
|
16.2
|
|
| Bills Payable |
15.7
|
13.5
|
9.0
|
17.0
|
|
(3.6) |
(5.5) |
2.0
|
(3.5) |
|
| Special Financing |
(5.8) |
(5.5) |
(7.8) |
(8.2) |
|
(11.6) |
(7.1) |
12.3
|
(9.0) |
|
| Other Liabilities |
10.1
|
0.8
|
(4.0) |
6.6
|
|
4.9
|
7.5
|
(7.5) |
(22.4) |
|
| Total capital accounts |
4.9
|
1.4
|
3.5
|
5.6
|
|
5.8
|
13.0
|
11.9
|
10.5
|
|
| |
|
|
|
|
|
|
|
|
|
|
| Income Statement |
|
|
|
|
|
|
|
|
|
|
| Total Operating Income |
(1.9) |
(0.8) |
2.5
|
2.1
|
|
1.5
|
5.1
|
2.5
|
1.2
|
|
| Net Interest Income |
(4.5) |
(1.9) |
1.8
|
0.4
|
|
2.2
|
6.5
|
5.7
|
5.0
|
|
| Non-Interest Income |
2.3
|
1.0
|
3.7
|
4.8 |
|
0.5
|
3.1
|
(2.2) |
(4.8) |
|
| Operating Expenses |
11.6
|
9.9
|
6.8
|
3.6
|
|
(2.5) |
(0.5) |
0.9
|
2.3
|
|
| Bad debt Expenses/Provisions for
Probable Losses |
129.5
|
135.6
|
77.1
|
(7.8) |
|
(46.1) |
(57.8) |
(44.4) |
(37.9) |
|
| Other Operating Expenses |
9.4 |
6.8
|
4.5
|
4.3
|
|
(0.8) |
2.7
|
3.3
|
4.2
|
|
| Net Operating Income |
(43.8) |
(41.6) |
(16.7) |
(7.7) |
|
26.6
|
45.4
|
12.3
|
(6.7) |
|
| Extraordinary Credits |
(20.1) |
90.9
|
164.9
|
130.6
|
|
(23.0) |
(57.8) |
2,081.8
|
2,998.5
|
|
| Net Income After tax (NIAT) |
(47.0) |
(46.0) |
(20.4) |
(10.9) |
|
26.9
|
50.8
|
32.7
|
41.2
|
|
| |
|
|
|
|
|
|
|
|
|
|
| Selected
Ratios |
|
|
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
|
|
| Liquidity |
|
|
|
|
|
|
|
|
|
|
| Cash and due from banks to deposits |
25.0
|
25.4
|
25.9
|
27.5
|
|
28.1
|
27.7
|
26.4
|
28.1
|
|
| Liquid Assets to Deposits |
28.9
|
29.4
|
30.2
|
31.1
|
|
32.9
|
32.9
|
32.3
|
33.9
|
|
| Loans (gross) to deposits |
112.5
|
110.3
|
111.2
|
116.7
|
|
106.5
|
103.8
|
104.0
|
102.1
|
|
| |
|
|
|
|
|
|
|
|
|
|
| Asset Quality |
|
|
|
|
|
|
|
|
|
|
| Non-performing loans (NPL) ratio
(Cir.202) |
|
|
|
|
|
|
|
|
|
|
| Non-performing loans (NPL) ratio |
19.6
|
20.4
|
20.0
|
19.6
|
|
19.7
|
19.8
|
19.2
|
18.1
|
|
| NPL coverage ratio 1/ |
16.8
|
18.5
|
20.5
|
23.0
|
|
24.0
|
24.2
|
25.6
|
28.2
|
|
| Non-performing assets(NPA) to Gross
Assets |
17.8
|
18.8
|
18.9
|
19.4
|
|
19.1
|
19.4
|
19.9
|
19.6
|
|
|
NPA coverage ratio 2/ |
12.7
|
13.8
|
14.7
|
15.6
|
|
16.2
|
15.9
|
16.7
|
17.4
|
|
| Distressed Asset Ratio 3/ |
24.4
|
25.6
|
25.8
|
26.4
|
|
26.8
|
27.3
|
30.1
|
29.8
|
|
| |
|
|
|
|
|
|
|
|
|
|
| Capital Adequacy |
|
|
|
|
|
|
|
|
|
|
| Networth-To-Risk Assets Ratio 4/ |
17.7
|
17.3
|
18.0
|
18.4
|
|
18.1
|
18.5
|
17.4
|
16.9
|
|
| Total Capital Accounts to Total Assets |
15.7
|
15.3
|
16.0
|
16.3
|
|
16.1
|
16.3
|
16.8
|
16.6
|
|
| |
|
|
|
|
|
|
|
|
|
|
| Profitability 5/ |
|
|
|
|
|
|
|
|
|
|
| Cost to Income Ratio |
84.0
|
84.8
|
83.0
|
83.6
|
|
83.2
|
82.7
|
84.0
|
86.1
|
|
|
Return on assets (ROA) |
1.0
|
0.8
|
1.0
|
1.1
|
|
1.1
|
1.3
|
1.3
|
1.5
|
|
|
Return on equity (ROE) |
6.2
|
5.2
|
6.1
|
6.8
|
|
7.2
|
8.2
|
8.2
|
8.8
|
|
| |
|
|
|
|
|
|
|
|
|
|
| 1/ Ratio of Loan Loss Reserves to NPL |
| 2/ Ratio of valuation reserves (for loans and
ROPOA) to NPAs |
| 3/ Ratio of NPL + ROPOA, gross + Restructured
Loans, current to TLP, gross + ROPOA, gross |
| 4/ Based on the old framework provided for under
Section 22 of the old General Banking Act |
| 5/ Annualized |
| Source: Supervisory Reports and Studies Office,
Supervision and Examination Sector |
|
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|
| Updated as of
12 March 2004 |
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