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| 15
SELECTED PERFORMANCE RATIOS |
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Universal and
Commercial Banking System |
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for the periods
indicated |
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in percent |
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2006 |
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Jan |
Feb |
Mar |
April |
May |
June |
July |
August |
Sept |
Oct |
Nov |
Dec |
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Annual
Growth Rates |
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Balance Sheet |
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Total Assets 1/ |
3.4 |
1.2 |
0.1 |
0.6 |
2.5 |
3.1 |
3.8 |
3.6 |
5.8 |
9.2 |
9.7 |
11.2 |
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Cash and Due From Banks |
19.3 |
5.7 |
21.3 |
25.1 |
26.9 |
26.8 |
17.3 |
16.1 |
30.2 |
46.2 |
64.9 |
66.5 |
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Interbank Loans Receivable |
21.0 |
21.6 |
27.2 |
14.5 |
18.2 |
4.9 |
5.4 |
12.0 |
8.4 |
16.3 |
15.1 |
18.6 |
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Loans, gross (exclusive of IBL) |
2.5 |
2.1 |
(0.4) |
1.0 |
0.7 |
(0.9) |
3.9 |
2.1 |
6.4 |
10.7 |
6.7 |
9.4 |
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Allowance for Probable Losses |
(11.5) |
(10.1) |
(8.1) |
(5.7) |
(7.2) |
(5.8) |
(6.2) |
(4.3) |
(4.1) |
(3.5) |
(4.4) |
(11.2) |
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Loans, net (exclusive of IBL) |
4.1 |
3.4 |
0.4 |
1.6 |
1.5 |
(0.5) |
4.9 |
2.7 |
7.5 |
12.2 |
7.7 |
11.3 |
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Investments, net |
(6.5) |
(9.3) |
(12.4) |
(10.7) |
(5.9) |
1.5 |
(0.8) |
1.1 |
(1.2) |
(2.9) |
0.6 |
(0.7) |
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ROPOA, net |
(12.1) |
(7.9) |
(7.8) |
(5.0) |
(5.7) |
(5.5) |
(6.0) |
(7.5) |
(8.4) |
(7.4) |
(5.9) |
(9.6) |
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Other Assets 2/ |
29.0 |
21.9 |
16.9 |
18.7 |
17.9 |
12.4 |
13.9 |
8.2 |
13.3 |
15.9 |
7.3 |
5.6 |
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Total Liabilities |
4.1 |
1.4 |
(0.4) |
0.1 |
3.0 |
3.6 |
4.3 |
3.9 |
6.2 |
9.6 |
10.3 |
11.4 |
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Deposits |
4.0 |
4.4 |
3.3 |
4.2 |
9.9 |
9.9 |
9.6 |
8.6 |
11.1 |
13.1 |
14.7 |
16.8 |
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Bills Payable |
14.6 |
1.4 |
6.6 |
(2.2) |
(10.0) |
(6.7) |
(11.9) |
(17.7) |
(18.7) |
(15.1) |
(12.6) |
(21.5) |
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Special Financing |
(64.1) |
62.3 |
(66.0) |
(66.0) |
(64.2) |
(57.2) |
(59.5) |
173.5 |
55.6 |
51.7 |
50.3 |
53.9 |
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Unsecured Subordinated Debt |
3.9 |
3.3 |
4.5 |
6.4 |
8.4 |
6.6 |
4.8 |
12.0 |
24.2 |
53.0 |
54.7 |
48.9 |
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Other Liabilities |
(5.7) |
(18.7) |
(30.3) |
(25.4) |
(27.7) |
(27.6) |
(15.4) |
(8.3) |
(4.8) |
5.6 |
(5.0) |
4.9 |
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Total Capital Accounts 3/ |
(1.4) |
(0.4) |
4.2 |
4.6 |
(0.6) |
0.0 |
0.6 |
1.3 |
1.8 |
6.4 |
5.5 |
9.7 |
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Income Statement |
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Total Operating Income |
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13.1 |
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5.6 |
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9.0 |
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12.0 |
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Net Interest Income |
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1.3 |
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3.1 |
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2.2 |
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2.4 |
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Non-Interest Income |
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34.6 |
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10.5 |
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23.5 |
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31.9 |
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Operating Expenses |
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8.6 |
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3.5 |
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3.2 |
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12.7 |
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Bad Debts / Provisions for Probable
Losses |
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(5.8) |
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(23.1) |
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(17.4) |
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24.6 |
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Other Operating Expenses |
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11.7 |
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8.7 |
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7.2 |
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10.8 |
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Net Operating Income |
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25.7 |
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11.7 |
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26.8 |
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10.2 |
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Extraordinary Credits/(Charges) |
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44.2 |
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6.3 |
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13.4 |
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36.1 |
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Net Income After Tax (NIAT) |
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31.3 |
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15.8 |
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29.6 |
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26.6 |
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Key Financial Ratios |
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NPL Ratio (inclusive of IBL) |
7.6 |
8.0 |
8.0 |
8.1 |
7.6 |
7.2 |
7.1 |
7.5 |
7.4 |
7.1 |
6.9 |
5.7 |
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NPL Ratio (exclusive of IBL) |
9.3 |
9.9 |
10.0 |
9.8 |
9.1 |
8.7 |
8.5 |
9.1 |
9.0 |
8.6 |
8.4 |
7.0 |
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NPA to Gross Assets |
8.2 |
8.6 |
8.5 |
8.6 |
8.0 |
7.6 |
7.7 |
7.8 |
7.7 |
7.5 |
7.1 |
6.3 |
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Cash and Due from Banks to Deposits |
12.2 |
11.5 |
12.7 |
13.2 |
12.4 |
12.8 |
12.5 |
12.5 |
13.8 |
15.9 |
17.1 |
18.1 |
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Liquid Assets to Deposits |
60.8 |
59.7 |
61.0 |
61.9 |
60.6 |
63.2 |
62.4 |
61.2 |
61.2 |
61.7 |
62.0 |
60.7 |
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Loans, gross to Deposits |
73.3 |
73.3 |
73.2 |
71.8 |
70.0 |
67.1 |
68.3 |
67.8 |
67.6 |
69.4 |
68.6 |
68.2 |
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Earning
Asset Yield * 4/ |
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8.0 |
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7.8 |
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8.4 |
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8.2 |
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Funding
Cost * 5/ |
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3.8 |
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3.6 |
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3.7 |
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3.7 |
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Interest
Spread * 6/ |
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4.2 |
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4.2 |
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4.7 |
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4.5 |
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Net
Interest Margin * 7/ |
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4.2 |
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4.1 |
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4.4 |
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4.2 |
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Net
Interest Income to Total Operating Income |
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65.6 |
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66.7 |
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64.3 |
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61.7 |
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Cost to
Income Ratio 8/ |
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63.7 |
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65.0 |
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63.3 |
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63.4 |
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Return on
Assets |
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1.2 |
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1.2 |
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1.3 |
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1.3 |
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Return on
Equity |
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10.1 |
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10.3 |
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11.3 |
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11.5 |
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Capital Adequacy Ratio (CAR) 9/ |
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Solo Basis |
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18.1 |
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18.0 |
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17.5 |
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17.0 |
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Consolidated Basis |
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19.6 |
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19.5 |
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18.9 |
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18.5 |
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Total Capital Accounts to Total Assets |
11.8 |
12.1 |
12.4 |
12.4 |
11.6 |
11.2 |
11.4 |
11.7 |
11.7 |
11.9 |
11.8 |
11.5 |
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* Annualized |
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1/ Adjusted to net off the
account "Due from Head Office" with "Due to Head office"
of branches of foreign banks |
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2/ Inclusive of Fixed
Assets |
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3/ Inclusive of the portion
of the Net Due To/From Head Office which qualified as capital |
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4/ Refers
to the ratio of Interest Income to Average Earning Assets |
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5/ Refers
to the ratio of Interest Expenses to Average Interest-Bearing Liabilities |
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6/ Refers
to the difference between Earning Asset Yield and Funding Cost |
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7/ Refers
to the ratio of Net Interest Income to Average Earning Assets |
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8/ Refers
to the ratio of Operating Expenses (exclusive of Bad Debts and Provisions) to
Total Operating Income |
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9/ Based
on the new framework provided for under Circular No. 280 dated 29 March 2001
which was formally adopted starting 1
July 2001. Universal and Commercial banks are required to report their CARs |
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based
on combined credit and market risk under Circular No. 360 dated 3 December
2002, which took effect on 1 July 2003 |
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Note: Details may not add up to totals due to
rounding-off |
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Source:
Supervisory Data Center, Supervision and Examination Sector |
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Updated as of 25 January 2008 |
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