| 15 SELECTED PERFORMANCE RATIOS | ||||||||||||
| Universal and Commercial Banking System | ||||||||||||
| for the periods indicated | ||||||||||||
| in percent | ||||||||||||
| 2007 | ||||||||||||
| Jan | Feb | Mar | April | May | Jun | July | August | September | October | November | December r/ | |
| Annual Growth Rates | ||||||||||||
| Balance Sheet | ||||||||||||
| Total Assets 1/ | 12.9 | 12.5 | 14.0 | 15.3 | 9.3 | 8.4 | 9.4 | 7.9 | 7.4 | 4.1 | 5.0 | 4.6 |
| Cash and Due From Banks | 77.3 | 99.8 | 96.6 | 86.6 | 82.0 | 79.9 | 95.2 | 87.3 | 63.2 | 40.0 | 27.4 | 20.0 |
| Interbank Loans Receivable | 18.0 | 17.6 | 7.7 | 18.5 | 21.8 | 22.4 | 16.2 | (1.4) | 7.9 | (17.0) | (13.0) | (15.3) |
| Loans, gross (exclusive of IBL) | 9.6 | 8.1 | 8.4 | 12.1 | 4.8 | 5.9 | 3.7 | 2.3 | 3.8 | (0.4) | 3.8 | 5.3 |
| Allowance for Probable Losses | (12.1) | (13.8) | (18.5) | (18.6) | (14.4) | (17.7) | (17.7) | (18.3) | (18.5) | (18.3) | (16.6) | (14.8) |
| Loans, net (exclusive of IBL) | 11.2 | 9.8 | 10.4 | 14.5 | 6.2 | 7.6 | 5.3 | 3.8 | 5.5 | 0.9 | 5.2 | 6.4 |
| Investments, net | 1.9 | 2.1 | 4.6 | 3.8 | 0.6 | (3.6) | (1.3) | (1.7) | (1.5) | (1.5) | (2.8) | (2.1) |
| ROPOA, net | (11.1) | (12.7) | (13.9) | (15.8) | (13.1) | (12.5) | (14.9) | (14.3) | (13.8) | (15.6) | (14.2) | (10.5) |
| Other Assets 2/ | 16.0 | (0.3) | 1.8 | 5.6 | (2.6) | (5.8) | (3.7) | (4.6) | (2.6) | 4.8 | 11.0 | 1.2 |
| Total Liabilities | 13.7 | 13.4 | 15.4 | 16.7 | 9.4 | 8.3 | 10.2 | 8.8 | 7.6 | 4.2 | 5.6 | 4.4 |
| Deposits | 18.9 | 18.6 | 21.0 | 23.1 | 12.7 | 12.3 | 12.3 | 8.5 | 6.7 | 4.5 | 3.2 | 3.7 |
| Bills Payable | (18.7) | (14.2) | (16.7) | (20.7) | (15.7) | (19.5) | (6.5) | 6.6 | 11.0 | (3.9) | 17.1 | 6.7 |
| Special Financing | (81.3) | (93.4) | (62.8) | (63.0) | (62.4) | (63.0) | (59.3) | (59.3) | (14.5) | (15.2) | (15.4) | (15.4) |
| Unsecured Subordinated Debt | 43.6 | 44.6 | 42.2 | 39.3 | 35.8 | 34.7 | 35.3 | 24.3 | 10.7 | (0.1) | 4.5 | 7.1 |
| Other Liabilities | 5.5 | (4.3) | 3.1 | 2.7 | 4.2 | 0.3 | 6.0 | 10.9 | 11.7 | 12.2 | 16.2 | 8.2 |
| Total Capital Accounts 3/ | 7.1 | 6.1 | 4.7 | 5.8 | 9.2 | 9.3 | 2.9 | 1.4 | 6.3 | 3.2 | 1.0 | 6.3 |
| Income Statement | ||||||||||||
| Total Operating Income | 7.3 | 12.0 | 9.3 | 22.1 | ||||||||
| Net Interest Income | 10.2 | 5.7 | 9.6 | 32.6 | ||||||||
| Non-Interest Income | 3.4 | 24.0 | 8.7 | 8.7 | ||||||||
| Operating Expenses | 9.9 | 13.1 | 13.4 | 6.0 | ||||||||
| Bad Debts / Provisions for Probable Losses | (93.3) | (87.8) | (82.2) | (79.4) | ||||||||
| Other Operating Expenses | 9.0 | 9.6 | 11.5 | 10.0 | ||||||||
| Net Operating Income | 1.2 | 9.1 | (1.0) | 8.1 | ||||||||
| Extraordinary Credits/(Charges) | 50.0 | 30.8 | 28.1 | 46.0 | ||||||||
| Net Income After Tax (NIAT) | 9.7 | 15.0 | 3.6 | 10.5 | ||||||||
| Key Financial Ratios | ||||||||||||
| NPL Ratio (inclusive of IBL) | 5.6 | 5.6 | 5.3 | 5.3 | 5.3 | 5.2 | 5.2 | 5.3 | 5.2 | 5.3 | 5.0 | 4.4 |
| NPL Ratio (exclusive of IBL) | 7.0 | 7.0 | 6.6 | 6.4 | 6.6 | 6.5 | 6.3 | 6.3 | 6.3 | 6.2 | 5.9 | 5.3 |
| NPA to Gross Assets | 6.2 | 6.2 | 5.8 | 5.8 | 5.9 | 5.7 | 5.6 | 5.7 | 5.7 | 5.7 | 5.5 | 5.2 |
| Cash and Due from Banks to Deposits | 18.2 | 19.4 | 20.6 | 20.1 | 20.1 | 20.4 | 21.8 | 21.6 | 21.1 | 21.3 | 21.1 | 21.0 |
| Liquid Assets to Deposits | 53.0 | 54.0 | 55.6 | 54.3 | 56.3 | 57.0 | 58.6 | 59.1 | 58.1 | 57.6 | 56.6 | 54.4 |
| Loans, gross to Deposits | 67.5 | 66.9 | 65.6 | 65.4 | 65.1 | 63.3 | 63.1 | 64.0 | 65.8 | 66.2 | 69.0 | 69.2 |
| Earning Asset Yield * 4/ | 8.3 | 8.1 | 8.2 | 7.7 | ||||||||
| Funding Cost * 5/ | 3.7 | 3.5 | 3.4 | 3.1 | ||||||||
| Interest Spread * 6/ | 4.6 | 4.5 | 4.8 | 4.6 | ||||||||
| Net Interest Margin * 7/ | 4.3 | 4.2 | 4.5 | 4.3 | ||||||||
| Net Interest Income to Total Operating Income | 62.0 | 60.1 | 62.0 | 60.9 | ||||||||
| Cost to Income Ratio * 8/ | 63.5 | 62.6 | 64.2 | 65.4 | ||||||||
| Return on Assets | 1.4 | 1.4 | 1.3 | 1.4 | ||||||||
| Return on Equity | 11.5 | 12.4 | 11.6 | 11.8 | ||||||||
| Capital Adequacy Ratio (CAR) 9/ | ||||||||||||
| Solo Basis | 17.9 | 17.9 | 14.7 | 14.7 | ||||||||
| Consolidated Basis | 19.3 | 19.4 | 15.9 | 15.9 | ||||||||
| Total Capital Accounts to Total Assets | 11.3 | 11.5 | 11.4 | 11.4 | 11.6 | 11.3 | 10.9 | 11.0 | 11.5 | 11.8 | 11.4 | 11.7 |
| * Annualized | ||||||||||||
| 1/ Adjusted to net off the account "Due from Head Office" with "Due to Head office" of branches of foreign banks | ||||||||||||
| 2/ Inclusive of Fixed Assets | ||||||||||||
| 3/ Inclusive of the portion of the Net Due To/From Head Office which qualified as capital | ||||||||||||
| 4/ Refers to the ratio of Interest Income to Average Earning Assets | ||||||||||||
| 5/ Refers to the ratio of Interest Expenses to Average Interest-Bearing Liabilities | ||||||||||||
| 6/ Refers to the difference between Earning Asset Yield and Funding Cost | ||||||||||||
| 7/ Refers to the ratio of Net Interest Income to Average Earning Assets | ||||||||||||
| 8/ Refers to the ratio of Operating Expenses (exclusive of Bad Debts and Provisions) to Total Operating Income | ||||||||||||
| 9/ Based on the new framework provided for under Circular No. 280 dated 29 March 2001 which was formally adopted starting 1 July 2001. Universal and Commercial banks are required to report their CARs based on combined | ||||||||||||
| credit and market risk under Circular No. 360 dated 3 December 2002, which took effect on 1 July 2003 | ||||||||||||
| Note: Details may not add up to totals due to rounding-off | ||||||||||||
| Source: Supervisory Data Center, Supervision and Examination Sector | ||||||||||||
| Updated as of 27 March 2009 | ||||||||||||