| |
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|
|
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|
|
|
|
|
| 33 SELECTED PERFORMANCE
INDICATORS |
|
| Rural and
Cooperative Banking System |
|
| for the
periods indicated |
|
| in percent |
|
| |
|
|
|
|
|
|
|
|
|
|
| |
2001 |
|
2002 |
|
| |
Mar |
June |
Sept |
Dec |
|
Mar |
June |
Sept |
Dec |
|
| Annual Growth Rates |
|
|
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
|
|
| Balance Sheet |
|
|
|
|
|
|
|
|
|
|
| Total assets |
8.6
|
9.0
|
8.3
|
9.2
|
|
10.5
|
11.6
|
14.1
|
13.5
|
|
| Cash and Due From Banks |
11.0
|
15.9
|
10.6
|
10.3
|
|
10.1
|
12.6
|
18.8
|
17.4
|
|
| Loans (gross) |
1.6
|
4.6
|
0.3
|
7.3
|
|
9.1
|
10.5
|
12.4
|
12.0
|
|
| Allowance for probable losses |
16.5
|
18.8
|
17.3
|
15.0
|
|
11.2
|
8.4
|
10.1
|
6.0
|
|
| Loans (net) |
2.4
|
2.4
|
4.8
|
6.8
|
|
9.0
|
10.6
|
12.5
|
12.3
|
|
| Investments (net) |
52.6
|
48.6
|
40.2
|
29.7
|
|
16.0
|
19.5
|
15.0
|
20.3
|
|
| Other Assets |
22.5
|
19.0
|
11.4
|
12.1
|
|
14.5
|
11.6
|
14.8
|
11.7
|
|
| Deposits |
12.0
|
13.1
|
13.1
|
13.7
|
|
13.5
|
14.5
|
16.5
|
16.4
|
|
| Bills Payable |
8.2
|
7.4
|
(7.6) |
(8.1) |
|
(3.1) |
(0.6) |
7.7
|
5.6
|
|
| Special Financing |
(6.4) |
(16.2) |
(28.9) |
(19.0) |
|
(16.6) |
(9.2) |
(9.6) |
3.5
|
|
| Other Liabilities |
(20.6) |
(15.8) |
(2.3) |
4.8
|
|
4.5
|
5.4
|
0.3
|
0.7
|
|
| Total capital accounts |
11.6
|
7.6
|
7.1
|
8.5
|
|
10.9
|
10.5
|
14.3
|
12.2
|
|
| |
|
|
|
|
|
|
|
|
|
|
| Income Statement |
|
|
|
|
|
|
|
|
|
|
| Total Operating Income |
5.1
|
2.4 |
4.7
|
9.9
|
|
6.9
|
11.8
|
12.7
|
11.8
|
|
| Net Interest Income |
10.3
|
6.3
|
7.3
|
11.5
|
|
8.3
|
13.3
|
13.0
|
14.0
|
|
| Non-Interest Income |
(3.0) |
(3.6) |
0.4
|
7.3
|
|
4.4
|
9.3
|
12.2
|
7.9
|
|
| Operating Expenses |
6.3 |
6.1 |
5.9 |
8.2 |
|
8.9 |
10.9 |
12.6 |
13.4 |
|
| Bad debt Expenses/Provisions for
Probable Losses |
12.0
|
6.7
|
1.7
|
(5.9) |
|
10.3
|
36.7
|
77.9
|
51.0
|
|
| Other Operating Expenses |
6.2
|
6.1
|
6.0
|
8.6
|
|
8.9
|
10.4
|
10.8
|
12.4
|
|
| Net Operating Income |
(0.8) |
(15.6) |
(1.4) |
23.3
|
|
(3.5) |
17.4
|
13.4
|
1.1
|
|
| Extraordinary Credits |
0.0 |
0.0 |
79.0
|
(3.1) |
|
70.4
|
28.4
|
19.9
|
20.0 |
|
| Net Income After tax (NIAT) |
23.0
|
12.9
|
12.9
|
16.3
|
|
7.9
|
21.1
|
15.5
|
5.3
|
|
| |
|
|
|
|
|
|
|
|
|
|
| Selected
Ratios |
|
|
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
|
|
| Liquidity |
|
|
|
|
|
|
|
|
|
|
| Cash and due from banks to deposits |
27.9
|
28.4
|
25.8
|
27.3
|
|
27.0
|
27.9
|
26.3
|
27.5
|
|
| Liquid Assets to Deposits |
34.4
|
35.3
|
33.2
|
34.1
|
|
33.9
|
35.3
|
33.8
|
34.6
|
|
| Loans (gross) to deposits |
98.0
|
94.7
|
96.9
|
96.3
|
|
94.2
|
91.3
|
93.5
|
92.7
|
|
| |
|
|
|
|
|
|
|
|
|
|
| Asset Quality |
|
|
|
|
|
|
|
|
|
|
| Non-performing loans (NPL) ratio
(Cir.202) |
|
|
|
|
|
|
|
|
|
|
| Non-performing loans (NPL) ratio |
17.5
|
17.1
|
15.4
|
15.1
|
|
15.1
|
14.8
|
14.7
|
13.9
|
|
| NPL coverage ratio 1/ |
30.3
|
31.6
|
35.0
|
36.2
|
|
35.7
|
35.7
|
34.3
|
34.8
|
|
| Non-performing assets(NPA) to Gross
Assets |
19.1
|
18.9
|
18.2
|
18.3
|
|
18.6
|
17.9
|
18.0
|
17.4
|
|
|
NPA coverage ratio 2/ |
18.1
|
18.4
|
19.4
|
19.5
|
|
18.8
|
19.0
|
18.3
|
18.2
|
|
| Distressed Asset Ratio 3/ |
29.5
|
29.6
|
28.0
|
28.0
|
|
28.5
|
27.9
|
27.4
|
26.6
|
|
| |
|
|
|
|
|
|
|
|
|
|
| Capital Adequacy |
|
|
|
|
|
|
|
|
|
|
| Networth-To-Risk Assets Ratio 4/ |
16.8
|
16.5
|
17.2
|
17.2
|
|
17.3
|
16.6
|
17.6
|
17.7
|
|
| Capital Adequacy Ratio (CAR) 5/ |
|
|
|
|
|
|
|
|
|
|
| Solo Basis |
-
|
-
|
-
|
15.7 |
|
-
|
-
|
-
|
16.5 |
|
| Consolidated Basis |
-
|
-
|
-
|
15.7 |
|
-
|
-
|
-
|
16.5 |
|
| Total Capital Accounts to Total Assets |
16.5
|
16.1
|
16.6
|
16.5
|
|
16.6
|
16.0
|
16.7
|
16.3
|
|
| |
|
|
|
|
|
|
|
|
|
|
| Profitability 6/ |
|
|
|
|
|
|
|
|
|
|
| Cost to Income Ratio |
86.3
|
87.5
|
86.7
|
85.1
|
|
85.4
|
84.5
|
83.8
|
85.6
|
|
|
Return on assets (ROA) |
1.5
|
1.5
|
1.5
|
1.6
|
|
1.5
|
1.6
|
1.6
|
1.5
|
|
|
Return on equity (ROE) |
9.2
|
9.1
|
9.1
|
9.4
|
|
9.3
|
10.0
|
9.7
|
8.9
|
|
| |
|
|
|
|
|
|
|
|
|
|
| 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/ Based on the new framework provided for under Circular No.
280 dated 29 March 2001 which was formally adopted starting 1 July 2001 |
|
| 6/ Annualized |
| Source: Supervisory Reports and Studies Office,
Supervision and Examination Sector |
|
|
|
|
|
|
|
|
|
|
|
| Updated as of
12 March 2004 |
|
|
|
|
|
|
|
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|
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|
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|
|