| 33 SELECTED PERFORMANCE RATIOS | |||||||||||||
| Commercial Banking System 1/ | |||||||||||||
| for the periods indicated | |||||||||||||
| in percent | |||||||||||||
| COMMERCIAL BANKS | |||||||||||||
| Jan-06 | Feb-06 | Mar-06 | Apr-06 | May-06 | Jun-06 | Jul-06 | Aug-06 | Sep-06 | Oct-06 | Nov-06 | Dec-06 | ||
| Annual Growth Rates | |||||||||||||
| Balance Sheet | |||||||||||||
| Total Assets 2/ | (4.6) | (9.3) | (12.2) | (10.0) | (7.2) | (3.5) | (0.4) | (3.4) | (2.2) | 0.6 | 2.0 | 6.3 | |
| Cash and Due From Banks | 17.2 | 11.6 | 25.2 | 25.0 | 21.7 | 21.7 | 14.5 | 8.9 | 22.8 | 12.6 | 40.2 | 46.8 | |
| Interbank Loans Receivable | 4.7 | 3.0 | 1.4 | 13.2 | 20.0 | 41.5 | 13.8 | 19.6 | 48.3 | 69.5 | 40.9 | 65.6 | |
| Loans, gross (exclusive of IBL) | (0.5) | 1.5 | (3.3) | (7.2) | (6.4) | (5.5) | 0.8 | (13.3) | (12.9) | 0.1 | 2.5 | 1.8 | |
| Allowance for Probable Losses | (24.0) | (18.4) | (18.1) | (18.3) | (15.9) | (12.6) | (16.7) | (30.9) | (27.3) | (24.8) | (20.4) | (18.8) | |
| Loans, net (exclusive of IBL) | 1.5 | 3.1 | (2.2) | (6.4) | (5.7) | (5.1) | 2.1 | (12.1) | (11.8) | 2.1 | 4.0 | 3.2 | |
| Investments, net | (23.0) | (33.4) | (38.3) | (33.7) | (27.7) | (21.2) | (15.2) | (5.3) | (14.1) | (22.6) | (20.0) | (16.4) | |
| ROPOA, net | (43.3) | (28.8) | (28.0) | (26.2) | (24.3) | (25.4) | (25.7) | (35.5) | (34.7) | (35.1) | (15.7) | (12.0) | |
| Other Assets 3/ | 31.2 | 15.0 | 19.0 | 21.4 | 25.8 | 18.3 | 23.8 | 14.7 | 11.3 | 10.8 | (8.0) | (4.0) | |
| Total Liabilities | (5.3) | (10.3) | (15.0) | (12.7) | (8.5) | (5.0) | (0.8) | (3.9) | (2.9) | 0.5 | 2.3 | 6.9 | |
| Deposits | 0.6 | (0.2) | (0.5) | (0.0) | 7.5 | 8.0 | 12.0 | 0.1 | (0.8) | 4.4 | 6.8 | 12.6 | |
| Bills Payable | 15.5 | 13.1 | 9.1 | 5.9 | 5.2 | 23.2 | 17.4 | (11.0) | (12.2) | (13.3) | (2.4) | (8.2) | |
| Special Financing | (0.0) | (0.0) | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
| Unsecured Subordinated Debt | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 164.5 | 189.6 | 189.4 | |
| Other Liabilities | (38.3) | (48.9) | (60.7) | (57.0) | (58.6) | (56.2) | (51.9) | (22.0) | (8.4) | (13.4) | (20.5) | (16.7) | |
| Total Capital Accounts 4/ | (0.2) | (2.9) | 5.3 | 6.9 | 0.6 | 6.1 | 1.7 | (0.9) | (0.3) | 1.0 | 0.4 | 3.3 | |
| Income Statement | |||||||||||||
| Total Operating Income | 10.3 | 5.7 | 4.5 | 12.3 | |||||||||
| Net Interest Income | (2.2) | 3.5 | (5.8) | 3.0 | |||||||||
| Non-Interest Income | 32.2 | 10.1 | 28.1 | 30.4 | |||||||||
| Operating Expenses | 20.8 | 11.9 | (7.2) | 4.0 | |||||||||
| Bad Debts / Provisions for Probable Losses | 29.1 | 1.6 | (13.2) | 19.3 | |||||||||
| Other Operating Expenses | 20.2 | 12.8 | (6.5) | 2.2 | |||||||||
| Net Operating Income | (5.2) | (4.5) | 30.4 | 31.3 | |||||||||
| Extraordinary Credits/(Charges) | 322.7 | (21.2) | (25.8) | 31.0 | |||||||||
| Net Income After Tax (NIAT) | 4.9 | 5.5 | 38.1 | 50.2 | |||||||||
| Key Financial Ratios | |||||||||||||
| NPL Ratio (inclusive of IBL) | 5.2 | 4.9 | 4.8 | 4.7 | 4.6 | 4.5 | 4.3 | 4.5 | 4.5 | 4.4 | 4.2 | 4.1 | |
| NPL Ratio (exclusive of IBL) | 6.6 | 6.3 | 6.2 | 6.1 | 6.0 | 5.9 | 5.6 | 6.1 | 6.3 | 6.1 | 5.5 | 5.5 | |
| NPA to Gross Assets | 4.6 | 4.5 | 4.4 | 4.4 | 4.2 | 4.1 | 4.0 | 3.9 | 3.9 | 4.0 | 3.8 | 3.6 | |
| Cash and Due from Banks to Deposits | 17.1 | 16.4 | 17.1 | 18.1 | 15.8 | 16.7 | 15.5 | 16.2 | 19.3 | 19.5 | 21.3 | 22.5 | |
| Liquid Assets to Deposits | 60.1 | 58.4 | 58.7 | 59.4 | 58.3 | 61.4 | 57.4 | 59.6 | 60.4 | 56.4 | 57.4 | 58.0 | |
| Loans, gross to Deposits | 81.8 | 82.4 | 82.2 | 82.7 | 78.7 | 76.8 | 77.8 | 74.4 | 75.9 | 79.9 | 81.0 | 76.8 | |
| Earning Asset Yield * 5/ | 8.3 | 8.1 | 9.3 | 9.4 | |||||||||
| Funding Cost * 6/ | 5.1 | 4.6 | 4.8 | 4.9 | |||||||||
| Interest Spread * 7/ | 3.2 | 3.5 | 4.5 | 4.5 | |||||||||
| Net Interest Margin * 8/ | 4.0 | 4.0 | 4.6 | 4.6 | |||||||||
| Net Interest Income to Total Operating Income | 64.3 | 66.3 | 62.5 | 60.8 | |||||||||
| Cost to Income Ratio * 9/ | 63.3 | 63.6 | 56.9 | 57.0 | |||||||||
| Return on Assets | 1.1 | 1.2 | 1.7 | 1.7 | |||||||||
| Return on Equity | 7.4 | 8.2 | 10.6 | 10.7 | |||||||||
| Capital Adequacy Ratio (CAR) 10/ | |||||||||||||
| Solo Basis | 26.9 | 26.2 | 27.7 | 25.6 | |||||||||
| Consolidated Basis | 26.9 | 26.2 | 29.8 | 25.6 | |||||||||
| Total Capital Accounts to Total Assets | 15.8 | 15.4 | 16.6 | 16.5 | 15.2 | 14.8 | 14.5 | 15.6 | 15.9 | 16.1 | 15.6 | 15.6 | |
| * Annualized | |||||||||||||
| 1/ Inclusive of other branches/subsidiaries of foreign banks | |||||||||||||
| 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 | |||||||||||||
| 10/ Based on the new framework provided for under Circular No. 280 dated 29 March 2001 which was formally adopted starting 1 July 2001 | |||||||||||||
| 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 | |||||||||||||