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| 61 SELECTED
PERFORMANCE RATIOS |
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Cooperative 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 |
15.1 |
14.7 |
16.0 |
18.3 |
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Cash and Due From Banks |
22.8 |
36.5 |
53.8 |
45.1 |
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Loans, gross |
11.1 |
10.3 |
11.0 |
13.9 |
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Allowance for Probable Losses |
7.8 |
3.8 |
15.4 |
12.7 |
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Loans, net |
11.3 |
10.7 |
10.7 |
14.0 |
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Investments, net |
8.0 |
4.6 |
23.9 |
(2.3) |
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ROPA, net |
32.3 |
22.0 |
6.9 |
3.5 |
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Other Assets 1/ |
44.0 |
17.7 |
4.2 |
28.1 |
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Total Liabilities |
15.4 |
15.2 |
18.3 |
20.0 |
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Deposits |
14.8 |
17.2 |
21.4 |
21.7 |
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Bills Payable |
17.6 |
14.2 |
16.3 |
21.6 |
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Special Financing |
2.0 |
1.0 |
(3.8) |
(10.1) |
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Other Liabilities |
16.3 |
1.6 |
(0.3) |
1.3 |
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Total Capital Accounts |
13.4 |
12.4 |
4.3 |
9.9 |
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Income Statement |
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Total Operating Income |
14.4 |
13.4 |
7.1 |
11.9 |
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Net Interest Income |
21.7 |
21.7 |
10.3 |
11.5 |
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Non-Interest Income |
6.8 |
5.1 |
3.7 |
12.4 |
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Operating Expenses |
10.2 |
11.8 |
9.8 |
11.7 |
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Bad Debts / Provisions for Probable
Losses |
4.8 |
12.1 |
11.1 |
18.5 |
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Other Operating Expenses |
10.4 |
11.8 |
9.8 |
11.3 |
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Net Operating Income |
30.9 |
19.6 |
(2.6) |
13.1 |
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Extraordinary Credits/(Charges) |
(4.5) |
(43.1) |
(24.6) |
(35.3) |
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Net Income After Tax (NIAT) |
24.8 |
7.5 |
(7.3) |
4.1 |
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Key Financial Ratios |
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NPL Ratio |
12.7 |
12.6 |
13.3 |
11.9 |
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NPA to Gross Assets |
13.2 |
13.3 |
13.5 |
12.0 |
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Cash and Due from Banks to Deposits |
26.7 |
26.8 |
27.4 |
31.3 |
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Liquid Assets to Deposits |
33.0 |
32.3 |
33.7 |
36.0 |
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Loans, gross to Deposits |
120.8 |
119.9 |
118.2 |
116.1 |
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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 |
15.9 |
15.8 |
15.1 |
12.1 |
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Consolidated Basis |
15.9 |
15.8 |
15.1 |
12.1 |
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Total Capital Accounts to Total Assets |
16.3 |
16.3 |
15.1 |
15.2 |
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* Annualized |
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1/ Inclusive of Fixed Assets |
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5/ Based on the old framework provided for under Section 22
of the old General Banking Act |
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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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