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| 18 CONSOLIDATED
FINANCIAL STATEMENTS |
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Universal and 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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UNIVERSAL
AND COMMERCIAL BANKS |
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March
2001 |
June 2001 |
Sept 2001 |
Dec 2001 |
March
2002 |
June 2002 |
Sept 2002 |
Dec 2002 |
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CONSOLIDATED STATEMENT OF INCOME AND EXPENSE |
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TOTAL OPERATING INCOME |
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32.134 |
63.231 |
92.938 |
123.096 |
33.559 |
72.378 |
107.869 |
142.018 |
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NET INTEREST INCOME |
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19.570 |
40.164 |
58.632 |
77.985 |
18.297 |
40.323 |
59.849 |
80.820 |
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INTEREST INCOME |
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57.936 |
113.581 |
165.070 |
216.589 |
45.252 |
88.377 |
128.641 |
168.694 |
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INTEREST
EXPENSE |
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38.366 |
73.417 |
106.438 |
138.604 |
26.955 |
48.054 |
68.792 |
87.874 |
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NON-INTEREST INCOME |
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12.564 |
23.067 |
34.306 |
45.111 |
15.262 |
32.055 |
48.020 |
61.198 |
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FEE BASED
INCOME |
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4.018 |
8.356 |
12.605 |
17.235 |
3.887 |
8.460 |
13.285 |
18.138 |
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TRADING INCOME |
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6.145 |
9.855 |
14.366 |
18.374 |
9.124 |
18.535 |
26.851 |
32.724 |
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TRUST
DEPARTMENT INCOME |
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0.566 |
1.211 |
1.905 |
2.543 |
0.683 |
1.477 |
2.386 |
3.286 |
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OTHER INCOME |
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1.835 |
3.645 |
5.430 |
6.959 |
1.568 |
3.583 |
5.498 |
7.050 |
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TOTAL OPERATING EXPENSES |
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28.281 |
59.094 |
89.294 |
117.150 |
28.360 |
60.420 |
90.624 |
122.071 |
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BAD DEBTS
WRITTEN OFF |
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0.045 |
0.071 |
0.072 |
0.002 |
0.046 |
0.050 |
0.059 |
0.026 |
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PROVISIONS FOR
PROBABLE LOSSES |
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5.142 |
11.531 |
17.789 |
22.038 |
4.566 |
11.558 |
17.657 |
23.995 |
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OTHER OPERATING
EXPENSES |
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23.094 |
47.492 |
71.433 |
95.110 |
23.748 |
48.812 |
72.908 |
98.050 |
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Overhead
costs |
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15.517 |
31.346 |
46.873 |
62.516 |
16.375 |
33.255 |
49.294 |
65.697 |
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Other
expenses |
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7.577 |
16.146 |
24.560 |
32.594 |
7.373 |
15.557 |
23.614 |
32.353 |
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NET OPERATING INCOME / (LOSS) |
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3.853 |
4.137 |
3.644 |
5.946 |
5.199 |
11.958 |
17.245 |
19.947 |
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EXTRAORDINARY CREDITS / (CHARGES) |
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2.339 |
4.322 |
6.733 |
8.430 |
1.409 |
2.627 |
4.094 |
5.320 |
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NET INCOME/(LOSS) BEFORE TAX |
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6.192 |
8.459 |
10.377 |
14.376 |
6.608 |
14.585 |
21.339 |
25.267 |
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PROVISIONS FOR INCOME TAX |
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1.586 |
1.729 |
2.473 |
1.131 |
1.012 |
1.487 |
1.991 |
0.846 |
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NET INCOME/(LOSS)
AFTER TAX |
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4.606 |
6.730 |
7.904 |
13.245 |
5.596 |
13.098 |
19.348 |
24.421 |
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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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