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| 33 SELECTED
PERFORMANCE INDICATORS |
|
|
|
|
|
|
Rural and Cooperative Banking System |
| for the
periods indicated |
|
|
|
|
|
|
in percent |
| |
|
|
|
|
|
|
|
|
|
|
| |
2003 |
|
2004 |
|
| |
Mar |
June |
Sept |
Dec |
|
Mar |
June |
Sept |
Dec |
|
| Annual Growth Rates |
|
|
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
|
|
| Balance Sheet |
|
|
|
|
|
|
|
|
|
|
| Total assets |
12.5
|
10.7
|
10.7
|
10.8
|
|
12.3
|
12.8
|
11.6
|
13.0
|
|
| Cash and Due From Banks |
15.5
|
8.9
|
12.8
|
17.9
|
|
22.0
|
22.8
|
8.5
|
2.3
|
|
| Loans (gross) |
11.2
|
11.6
|
10.4
|
10.3
|
|
10.5
|
9.0
|
11.3
|
13.4
|
|
| Allowance for probable losses |
4.9
|
7.3
|
6.3
|
3.9
|
|
7.7
|
8.2
|
8.8
|
14.8
|
|
| Loans (net) |
11.5
|
11.8
|
10.6
|
10.6
|
|
10.7
|
9.0
|
11.4
|
13.3
|
|
| Investments (net) |
23.7
|
11.2
|
10.5
|
14.1
|
|
22.0
|
40.6
|
43.7
|
29.0
|
|
| Other Assets |
9.6
|
8.5
|
8.6
|
2.8
|
|
4.6
|
4.5
|
4.0
|
10.5
|
|
| Deposits |
15.7
|
12.7
|
12.9
|
13.4
|
|
15.2
|
16.0
|
13.8
|
14.2
|
|
| Bills Payable |
4.6
|
4.3
|
4.2
|
(4.5) |
|
(8.7) |
(7.3) |
(5.2) |
9.1
|
|
| Special Financing |
(12.6) |
(9.7) |
(11.8) |
(19.1) |
|
(8.3) |
(4.1) |
5.8
|
5.7
|
|
| Other Liabilities |
0.6
|
1.0
|
12.6
|
13.9
|
|
16.2
|
9.0
|
11.6
|
9.7
|
|
| Total capital accounts |
9.1
|
9.8
|
5.1
|
9.1
|
|
11.4
|
11.8
|
12.0
|
11.4
|
|
| |
|
|
|
|
|
|
|
|
|
|
| Income Statement |
|
|
|
|
|
|
|
|
|
|
| Total Operating Income |
20.7
|
12.7
|
9.2
|
12.0
|
|
11.5
|
15.6
|
18.7
|
15.7
|
|
| Net Interest Income |
25.6
|
17.6
|
13.7
|
17.2
|
|
13.3
|
18.9
|
21.2
|
17.1
|
|
| Non-Interest Income |
11.8
|
3.9
|
1.3
|
2.1
|
|
8.0
|
9.0
|
13.9
|
12.6
|
|
| Operating Expenses |
14.7 |
10.4 |
9.9 |
7.2 |
|
13.3 |
14.6 |
15.4 |
16.3 |
|
| Bad debt Expenses/Provisions for
Probable Losses |
37.5 |
18.0
|
(12.3) |
7.3
|
|
38.9
|
46.0
|
45.8
|
47.3
|
|
| Other Operating Expenses |
14.2
|
10.2
|
10.9
|
7.2
|
|
12.6
|
13.7
|
14.4
|
15.3
|
|
| Net Operating Income |
55.2
|
25.7
|
5.5
|
48.3
|
|
4.1
|
20.8
|
38.0
|
12.2
|
|
| Extraordinary Credits |
(29.3) |
(21.4) |
(10.5) |
(1.6) |
|
95.9
|
79.8
|
64.0
|
21.2
|
|
| Net Income After tax (NIAT) |
36.5
|
12.4
|
(2.7) |
34.2
|
|
16.2
|
34.6
|
49.7
|
13.2
|
|
| |
|
|
|
|
|
|
|
|
|
|
| Selected
Ratios |
|
|
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
|
|
| Liquidity |
|
|
|
|
|
|
|
|
|
|
| Cash and due from banks to deposits |
27.0
|
27.0
|
26.3
|
28.6
|
|
28.6
|
28.5
|
25.0
|
25.6
|
|
| Liquid Assets to Deposits |
34.4
|
34.2
|
33.6
|
35.8
|
|
36.5
|
37.6
|
34.4
|
33.8
|
|
| Loans (gross) to deposits |
90.5
|
90.4
|
91.4
|
90.1
|
|
86.8
|
84.9
|
89.4
|
89.5
|
|
| |
|
|
|
|
|
|
|
|
|
|
| Asset Quality |
|
|
|
|
|
|
|
|
|
|
| Non-performing loans (NPL) ratio (Cir.202) |
|
|
|
|
|
|
|
|
|
|
| Non-performing loans (NPL) ratio |
13.9
|
13.7
|
13.5
|
12.1
|
|
12.5
|
12.3
|
11.6
|
11.6
|
|
| NPL coverage ratio 1/ |
34.6
|
35.1
|
35.8
|
36.4
|
|
35.3
|
34.6
|
37.1
|
37.5
|
|
| Non-performing assets(NPA) to Gross
Assets |
17.4
|
17.0
|
17.0
|
15.3
|
|
15.4
|
15.3
|
15.1
|
14.8
|
|
|
NPA coverage ratio 2/ |
18.0
|
18.4
|
18.5
|
18.7
|
|
18.5
|
17.8
|
18.9
|
19.4
|
|
| Distressed Asset Ratio 3/ |
26.7
|
26.1
|
25.8
|
23.4
|
|
23.9
|
23.9
|
22.7
|
22.5
|
|
| |
|
|
|
|
|
|
|
|
|
|
| Capital Adequacy |
|
|
|
|
|
|
|
|
|
|
| Networth-To-Risk Assets Ratio 4/ |
17.3
|
17.1
|
17.1
|
17.4
|
|
17.4
|
17.0
|
17.6
|
17.3
|
|
| Capital Adequacy Ratio (CAR) 5/ |
|
|
|
|
|
|
|
|
|
|
| Solo Basis |
16.5
|
16.5
|
16.5
|
17.5
|
|
- |
16.7 |
- |
16.5 |
|
| Consolidated Basis |
16.5
|
16.5
|
16.5
|
17.5
|
|
- |
16.7 |
- |
16.5 |
|
| Total Capital Accounts to Total
Assets |
16.1
|
15.8
|
15.8
|
16.0
|
|
15.9
|
15.7
|
15.9
|
15.8
|
|
| |
|
|
|
|
|
|
|
|
|
|
| Profitability 6/ |
|
|
|
|
|
|
|
|
|
|
| Cost to Income Ratio |
84.3
|
84.6
|
86.2
|
81.9
|
|
82.0
|
81.2
|
79.7
|
81.7
|
|
|
Return on assets (ROA) |
1.6
|
1.5
|
1.3
|
1.8
|
|
1.8
|
1.9
|
2.1
|
1.8
|
|
|
Return on equity (ROE) |
9.6
|
9.3
|
8.1
|
10.9
|
|
11.1
|
12.2
|
13.5
|
11.1
|
|
| |
|
|
|
|
|
|
|
|
|
|
| 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 |
|
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|
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|
|
|
| 6/ Annualized |
| * Data as of 30 June 2003 |
|
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|
|
| Source: Supervisory Data Center, Supervision and
Examination Sector |
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|
| Updated as of
29 December 2005 |
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