| 24 SELECTED PERFORMANCE RATIOS | |||||||||||||
| Universal Banking System 1/ | |||||||||||||
| for the periods indicated | |||||||||||||
| in percent | |||||||||||||
| 2006 | |||||||||||||
| Jan | Feb | Mar | April | May | June | July | Aug | Sept | Oct | Nov | Dec | ||
| Annual Growth Rates | |||||||||||||
| Balance Sheet | |||||||||||||
| Total Assets 2/ | 5.4 | 3.9 | 3.5 | 3.5 | 5.2 | 4.9 | 4.9 | 5.3 | 7.6 | 11.2 | 11.5 | 12.3 | |
| Cash and Due From Banks | 20.0 | 3.9 | 20.1 | 25.2 | 28.6 | 28.4 | 18.2 | 18.3 | 32.5 | 58.0 | 72.7 | 72.4 | |
| Interbank Loans Receivable | 26.5 | 28.7 | 37.4 | 15.0 | 17.5 | (4.9) | 2.1 | 9.2 | (3.2) | 2.2 | 8.4 | 8.3 | |
| Loans, gross (exclusive of IBL) | 3.2 | 2.3 | 0.3 | 3.1 | 2.5 | 0.2 | 4.6 | 5.9 | 11.0 | 13.1 | 7.7 | 11.0 | |
| Allowance for Probable Losses | (9.2) | (8.7) | (6.3) | (3.4) | (5.7) | (4.6) | (4.5) | 0.4 | (0.2) | 0.1 | (1.9) | (10.0) | |
| Loans, net (exclusive of IBL) | 4.7 | 3.5 | 1.1 | 3.8 | 3.4 | 0.7 | 5.6 | 6.4 | 12.2 | 14.5 | 8.6 | 13.1 | |
| Investments, net | (2.5) | (2.5) | (4.7) | (4.3) | 0.2 | 7.8 | 2.8 | 2.4 | 1.5 | 1.4 | 5.1 | 2.5 | |
| ROPOA, net | (7.1) | (5.1) | (5.1) | (2.2) | (3.2) | (2.8) | (3.4) | (3.9) | (5.0) | (3.7) | (4.9) | (9.3) | |
| Other Assets 3/ | 28.4 | 24.2 | 16.2 | 17.8 | 15.6 | 10.9 | 11.3 | 6.6 | 13.8 | 17.3 | 12.0 | 8.3 | |
| Total Liabilities | 6.4 | 4.4 | 3.4 | 3.5 | 6.0 | 5.7 | 5.5 | 5.7 | 8.3 | 11.6 | 12.1 | 12.4 | |
| Deposits | 4.7 | 5.4 | 4.1 | 5.2 | 10.4 | 10.3 | 9.0 | 10.5 | 13.7 | 15.0 | 16.4 | 17.7 | |
| Bills Payable | 14.4 | (1.0) | 6.0 | (4.1) | (13.3) | (12.4) | (17.4) | (19.0) | (20.0) | (15.5) | (14.8) | (23.9) | |
| Special Financing | (64.5) | 62.9 | (66.8) | (66.9) | (65.1) | (58.1) | (60.5) | 195.9 | 64.5 | 60.1 | 58.5 | 62.9 | |
| Unsecured Subordinated Debt | 1.5 | 0.9 | 0.3 | 1.4 | 3.4 | 1.7 | (0.1) | 12.3 | 24.8 | 50.3 | 51.4 | 45.5 | |
| Other Liabilities | 13.9 | 3.3 | (5.7) | (1.1) | (5.2) | (8.2) | 8.5 | (3.6) | (3.5) | 12.0 | 0.7 | 12.1 | |
| Total Capital Accounts 4/ | (1.8) | 0.4 | 3.9 | 3.8 | (0.9) | (1.9) | 0.3 | 2.0 | 2.5 | 8.1 | 7.2 | 11.8 | |
| Income Statement | |||||||||||||
| Total Operating Income | 13.8 | 4.7 | 9.2 | 12.0 | |||||||||
| Net Interest Income | 2.2 | 1.7 | 2.7 | 2.3 | |||||||||
| Non-Interest Income | 35.3 | 10.8 | 23.0 | 32.3 | |||||||||
| Operating Expenses | 6.0 | 1.3 | 5.2 | 14.7 | |||||||||
| Bad Debts / Provisions for Probable Losses | (8.4) | (25.7) | (18.0) | 25.5 | |||||||||
| Other Operating Expenses | 9.6 | 7.3 | 10.2 | 12.8 | |||||||||
| Net Operating Income | 40.6 | 15.8 | 22.1 | 3.5 | |||||||||
| Extraordinary Credits/(Charges) | 10.8 | 5.5 | 15.2 | 37.0 | |||||||||
| Net Income After Tax (NIAT) | 42.7 | 15.1 | 21.7 | 21.0 | |||||||||
| Key Financial Ratios | |||||||||||||
| NPL Ratio (inclusive of IBL) | 8.1 | 8.8 | 8.8 | 8.9 | 8.3 | 7.9 | 7.9 | 8.2 | 8.1 | 7.7 | 7.5 | 6.0 | |
| NPL Ratio (exclusive of IBL) | 9.9 | 10.7 | 10.9 | 10.6 | 9.9 | 9.4 | 9.2 | 9.7 | 9.4 | 9.0 | 9.0 | 7.3 | |
| NPA to Gross Assets | 9.0 | 9.6 | 9.4 | 9.5 | 8.8 | 8.4 | 8.6 | 8.6 | 8.5 | 8.2 | 7.8 | 6.8 | |
| Cash and Due from Banks to Deposits | 11.2 | 10.5 | 11.8 | 12.2 | 11.7 | 11.9 | 11.9 | 11.7 | 12.7 | 15.2 | 16.3 | 17.3 | |
| Liquid Assets to Deposits | 61.0 | 59.9 | 61.5 | 62.4 | 61.1 | 63.6 | 63.5 | 61.5 | 61.3 | 62.7 | 63.0 | 61.3 | |
| Loans, gross to Deposits | 71.6 | 71.4 | 71.3 | 69.5 | 68.1 | 65.0 | 66.2 | 66.5 | 66.0 | 67.3 | 66.2 | 66.5 | |
| Earning Asset Yield 5/ | 7.9 | 7.7 | 8.2 | 7.9 | |||||||||
| Funding Cost 6/ | 3.5 | 3.4 | 3.5 | 3.5 | |||||||||
| Interest Spread 7/ | 4.4 | 4.3 | 4.7 | 4.4 | |||||||||
| Net Interest Margin 8/ | 4.3 | 4.1 | 4.3 | 4.1 | |||||||||
| Net Interest Income to Total Operating Income | 65.9 | 66.8 | 64.8 | 61.9 | |||||||||
| Cost to Income Ratio 9/ | 63.7 | 65.3 | 64.8 | 64.9 | |||||||||
| Return on Assets | 1.3 | 1.2 | 1.3 | 1.3 | |||||||||
| Return on Equity | 11.0 | 11.0 | 11.5 | 11.8 | |||||||||
| Capital Adequacy Ratio (CAR) 9/ | |||||||||||||
| Solo Basis | 15.9 | 14.8 | 15.2 | 15.0 | |||||||||
| Consolidated Basis | 18.2 | 17.0 | 17.4 | 16.7 | |||||||||
| Total Capital Accounts to Total Assets | 10.9 | 11.3 | 11.5 | 11.5 | 10.8 | 10.3 | 10.7 | 10.8 | 10.8 | 11.0 | 11.0 | 10.6 | |
| * Annualized | |||||||||||||
| 1/ Inclusive of branches of foreign banks and government banks with unversal banking license | |||||||||||||
| 2/ Adjusted to net off the account "Due from Head Office" with "Due to Head office" of branches of foreign banks | |||||||||||||
| 3/ Inclusive of Fixed Assets | |||||||||||||
| 4/ Inclusive of the portion of the Net Due To/From Head Office which qualified as capital | |||||||||||||
| 5/ Refers to the ratio of Interest Income to Average Earning Assets | |||||||||||||
| 6/ Refers to the ratio of Interest Expenses to Average Interest-Bearing Liabilities | |||||||||||||
| 7/ Refers to the difference between Earning Asset Yield and Funding Cost | |||||||||||||
| 8/ Refers to the ratio of Net Interest Income to Average Earning Assets | |||||||||||||
| 9/ Refers to the ratio of Operating Expenses (exclusive of Bad Debts and Provisions) to Total Operating Income | |||||||||||||
| Note: Details may not add up to totals due to rounding-off | |||||||||||||
| Source: Supervisory Data Center, Supervision and Examination Sector | |||||||||||||
| Updated as of 1April 2008 | |||||||||||||