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| 6
SELECTED PERFORMANCE RATIOS |
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Philippine 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 |
1.1 |
4.3 |
7.1 |
12.7 |
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Cash and Due From Banks |
19.6 |
27.3 |
29.6 |
64.1 |
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Interbank Loans Receivable |
29.4 |
7.2 |
12.7 |
23.9 |
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Loans, gross (exclusive of IBL) |
1.4 |
1.0 |
8.3 |
10.6 |
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Allowance for Probable Losses |
(6.5) |
(3.7) |
(1.8) |
(8.1) |
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Loans, net (exclusive of IBL) |
2.2 |
1.4 |
9.3 |
12.2 |
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Investments, net |
(12.3) |
1.7 |
(0.8) |
0.0 |
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ROPA, net |
(6.6) |
(3.8) |
(6.5) |
(5.2) |
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Other Assets 1/ |
12.4 |
9.2 |
8.7 |
5.7 |
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Total Liabilities |
0.6 |
4.8 |
7.5 |
12.8 |
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Deposits |
4.1 |
10.4 |
12.0 |
17.7 |
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Bills Payable |
6.9 |
(4.3) |
(15.8) |
(18.3) |
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Special Financing |
(18.3) |
(15.2) |
(12.8) |
(15.3) |
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Unsecured Subordinated Debt |
4.5 |
6.6 |
24.2 |
48.9 |
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Other Liabilities |
(28.1) |
(25.5) |
(4.0) |
6.8 |
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Total Capital Accounts |
4.5 |
1.3 |
4.0 |
11.3 |
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Income Statement |
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Total Operating Income |
14.4 |
7.0 |
10.5 |
13.4 |
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Net Interest Income |
3.1 |
4.3 |
4.1 |
4.4 |
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Non-Interest Income |
36.1 |
12.7 |
24.5 |
32.8 |
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Operating Expenses |
8.9 |
5.0 |
5.3 |
13.0 |
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Bad Debts / Provisions for Probable
Losses |
(1.0) |
(19.3) |
(15.0) |
19.8 |
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Other Operating Expenses |
10.8 |
9.4 |
8.9 |
11.9 |
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Net Operating Income |
33.3 |
13.8 |
29.0 |
14.8 |
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Extraordinary Credits/(Charges) |
26.7 |
3.1 |
10.5 |
28.4 |
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Net Income After Tax (NIAT) |
34.9 |
14.2 |
29.2 |
28.7 |
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Key Financial Ratios |
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NPL Ratio (inclusive of IBL) |
8.2 |
7.5 |
7.7 |
6.1 |
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NPL Ratio (exclusive of IBL) |
10.0 |
8.9 |
9.2 |
7.5 |
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NPA to Gross Assets |
8.8 |
8.1 |
8.3 |
6.9 |
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Cash and Due from Banks to Deposits |
13.0 |
13.1 |
13.9 |
18.1 |
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Liquid Assets to Deposits |
54.5 |
56.5 |
55.0 |
55.0 |
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Loans, gross to Deposits |
74.1 |
68.5 |
69.3 |
69.4 |
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Earning Asset
Yield * 2/ |
8.6 |
8.3 |
8.9 |
8.7 |
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Funding Cost * 3/ |
3.9 |
3.8 |
3.9 |
3.9 |
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Interest
Spread * 4/ |
4.7 |
4.5 |
4.9 |
4.8 |
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Net Interest
Margin * 5/ |
4.6 |
4.4 |
4.6 |
4.5 |
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Net Interest
Income to Total Operating Income |
68.4 |
67.5 |
65.5 |
63.0 |
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Cost to Income
Ratio * 6/ |
67.3 |
68.0 |
66.5 |
66.5 |
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Return on
Assets |
1.1 |
1.1 |
1.2 |
1.3 |
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Return on
Equity |
8.7 |
9.3 |
10.3 |
10.6 |
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Capital Adequacy Ratio (CAR) 7/ |
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Solo Basis |
18.0 |
17.3 |
16.8 |
16.9 |
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Consolidated Basis |
19.4 |
18.7 |
19.1 |
17.5 |
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Total Capital Accounts to Total Assets |
12.5 |
11.5 |
11.9 |
11.7 |
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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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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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