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| 56 SELECTED
PERFORMANCE RATIOS |
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Rural 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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March |
June |
Sept |
Dec |
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Annual
Growth Rates |
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Balance Sheet |
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Total Assets |
9.8 |
11.9 |
13.0 |
16.0 |
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Cash and Due From Banks |
3.6 |
10.1 |
12.7 |
19.7 |
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Loans, gross |
12.8 |
12.6 |
13.0 |
12.9 |
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Allowance for Probable Losses |
8.8 |
3.3 |
3.4 |
1.7 |
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Loans, net |
13.0 |
13.1 |
13.5 |
13.5 |
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Investments, net |
7.9 |
4.0 |
0.7 |
5.2 |
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ROPA, net |
1.9 |
10.1 |
14.9 |
31.9 |
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Other Assets 1/ |
10.0 |
14.0 |
16.3 |
19.4 |
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Total Liabilities |
11.5 |
13.5 |
13.6 |
16.1 |
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Deposits |
11.8 |
13.2 |
14.0 |
16.1 |
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Bills Payable |
10.4 |
12.4 |
3.9 |
9.0 |
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Special Financing |
1.8 |
(1.8) |
(4.4) |
(7.8) |
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Other Liabilities |
9.5 |
18.5 |
19.8 |
24.4 |
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Total Capital Accounts |
0.9 |
2.7 |
9.7 |
15.6 |
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Income Statement |
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Total Operating Income |
6.2 |
8.1 |
20.1 |
18.2 |
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Net Interest Income |
7.1 |
9.5 |
21.1 |
17.3 |
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Non-Interest Income |
4.3 |
4.7 |
17.8 |
20.6 |
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Operating Expenses |
6.6 |
9.0 |
10.0 |
9.9 |
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Bad Debts / Provisions for Probable
Losses |
6.1 |
16.0 |
14.7 |
(15.7) |
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Other Operating Expenses |
6.7 |
8.6 |
9.8 |
11.3 |
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Net Operating Income |
4.3 |
3.8 |
77.5 |
71.9 |
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Extraordinary Credits/(Charges) |
(23.2) |
(24.6) |
25.5 |
2.8 |
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Net Income After Tax (NIAT) |
(7.7) |
(6.7) |
69.2 |
57.5 |
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Key Financial Ratios |
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NPL Ratio |
12.1 |
12.2 |
11.6 |
11.1 |
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NPA to Gross Assets |
14.1 |
14.3 |
13.8 |
12.5 |
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Cash and Due from Banks to Deposits |
24.5 |
25.3 |
24.0 |
25.9 |
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Liquid Assets to Deposits |
32.4 |
32.9 |
31.6 |
33.2 |
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Loans, gross to Deposits |
87.7 |
86.2 |
87.9 |
86.6 |
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Earning Asset
Yield * 2/ |
18.0 |
18.0 |
18.4 |
18.3 |
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Funding Cost * 3/ |
6.6 |
6.5 |
6.5 |
6.4 |
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Interest
Spread * 4/ |
11.5 |
11.5 |
11.9 |
11.9 |
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Net Interest
Margin * 5/ |
10.5 |
10.4 |
10.9 |
10.8 |
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Net Interest
Income to Total Operating Income |
71.2 |
71.5 |
71.3 |
70.6 |
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Cost to Income
Ratio * 6/ |
82.3 |
82.3 |
76.8 |
77.4 |
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Return on
Assets |
1.4 |
1.3 |
2.1 |
2.0 |
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Return on
Equity |
9.3 |
9.1 |
14.0 |
13.6 |
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Capital Adequacy Ratio (CAR) 7/ |
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Solo Basis |
15.8 |
15.3 |
16.4 |
14.8 |
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Consolidated Basis |
15.8 |
15.3 |
16.4 |
14.8 |
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Total Capital Accounts to Total Assets |
14.3 |
13.8 |
14.5 |
14.6 |
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* Annualized |
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1/ Inclusive of Fixed Assets |
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2/ Refers to the ratio of
Interest Income to Average Earning Assets |
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3/ Refers to the ratio of
Interest Expenses to Average Interest-Bearing Liabilities |
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4/ Refers to the difference
between Earning Asset Yield and Funding Cost |
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5/ Refers to the ratio of Net
Interest Income to Average Earning Assets |
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5/ Refers to
the ratio of Operating Expenses (exclusive of Bad Debts and Provisions) to
Total Operating Income |
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6/ Refers to the ratio of Operating Expenses (exclusive of
Bad Debts and Provisions) to Total Operating Income |
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7/ 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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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 1April 2008 |
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