| 33 SELECTED PERFORMANCE RATIOS | |||||||||||||
| Commercial Banking System 1/ | |||||||||||||
| for the periods indicated | |||||||||||||
| in percent | |||||||||||||
| Jan-07 | Feb-07 | Mar-07 | Apr-07 | May-07 | Jun-07 | Jul-07 | Aug-07 | Sep-07 | Oct-07 | Nov-07 | Dec-07 | ||
| Annual Growth Rates | |||||||||||||
| Balance Sheet | |||||||||||||
| Total Assets 2/ | 7.9 | 10.5 | 7.5 | 7.0 | 1.2 | 0.0 | 3.6 | 10.2 | (0.2) | 0.2 | (3.7) | (3.0) | |
| Cash and Due From Banks | 59.1 | 58.1 | 57.3 | 49.8 | 62.2 | 57.9 | 84.0 | 92.1 | 40.0 | 34.8 | 16.0 | (8.4) | |
| Interbank Loans Receivable | 33.7 | 36.7 | 21.2 | 22.1 | 17.7 | (2.7) | 12.1 | 5.4 | 6.5 | (2.0) | 31.6 | 9.0 | |
| Loans, gross (exclusive of IBL) | 11.7 | 12.0 | 6.6 | 10.6 | 0.0 | (3.7) | (5.3) | 7.5 | 0.3 | (3.4) | (5.9) | 2.3 | |
| Allowance for Probable Losses | (14.5) | (14.6) | (15.5) | (15.2) | (14.5) | (14.3) | (9.0) | 5.7 | (7.0) | (8.8) | (7.0) | (4.7) | |
| Loans, net (exclusive of IBL) | 13.0 | 13.3 | 7.6 | 11.8 | 0.7 | (3.2) | (5.2) | 7.5 | 0.6 | (3.2) | (5.8) | 2.5 | |
| Investments, net | (13.9) | (2.2) | (0.4) | (9.7) | (15.3) | (13.2) | (6.0) | (10.8) | (15.2) | (8.6) | (10.4) | (13.1) | |
| ROPOA, net | (11.1) | (9.7) | (11.6) | (13.2) | 3.1 | 5.5 | 4.8 | 23.1 | (14.4) | (16.5) | (17.8) | (14.9) | |
| Other Assets 3/ | (7.5) | (12.5) | (19.8) | (16.2) | (13.4) | (9.7) | (7.2) | (7.8) | (10.3) | (0.2) | 2.1 | 8.4 | |
| Total Liabilities | 9.3 | 12.2 | 10.7 | 10.4 | 1.3 | (0.1) | 4.4 | 13.2 | 1.5 | 2.0 | (2.0) | (1.9) | |
| Deposits | 16.0 | 19.9 | 15.5 | 18.8 | 6.1 | 5.7 | 6.9 | 15.0 | 1.3 | (0.8) | (4.2) | (3.5) | |
| Bills Payable | (7.6) | (6.9) | (6.1) | (18.8) | (26.3) | (31.9) | (22.2) | 5.5 | 19.7 | 23.5 | 13.0 | (4.5) | |
| 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 | 189.3 | 189.3 | 63.0 | 39.6 | 39.6 | 39.7 | 39.7 | 189.5 | 190.2 | 9.7 | 0.2 | 0.3 | |
| Other Liabilities | (17.1) | (16.8) | (4.8) | (13.3) | (4.5) | (7.3) | 13.0 | 3.1 | (16.9) | 1.8 | (0.9) | 12.9 | |
| Total Capital Accounts 4/ | 0.5 | 1.0 | (8.3) | (10.2) | 0.4 | 0.7 | (1.0) | (5.7) | (9.2) | (9.7) | (13.0) | (8.7) | |
| Income Statement | |||||||||||||
| Total Operating Income | (5.7) | (0.7) | (2.7) | (2.7) | |||||||||
| Net Interest Income | 10.8 | 3.4 | 2.4 | (0.1) | |||||||||
| Non-Interest Income | (26.8) | (8.2) | (11.4) | (6.8) | |||||||||
| Operating Expenses | (7.9) | 0.6 | 11.4 | 1.0 | |||||||||
| Bad Debts / Provisions for Probable Losses | (99.3) | (98.2) | (97.1) | (96.1) | |||||||||
| Other Operating Expenses | (10.4) | (5.1) | 5.9 | (2.2) | |||||||||
| Net Operating Income | (1.5) | (3.3) | (25.0) | (9.4) | |||||||||
| Extraordinary Credits/(Charges) | (70.0) | 26.5 | 47.7 | (10.0) | |||||||||
| Net Income After Tax (NIAT) | (10.2) | (5.5) | (26.3) | (13.4) | |||||||||
| Key Financial Ratios | |||||||||||||
| NPL Ratio (inclusive of IBL) | 3.8 | 3.8 | 4.0 | 4.0 | 4.4 | 4.6 | 4.4 | 4.3 | 4.2 | 4.0 | 4.0 | 3.4 | |
| NPL Ratio (exclusive of IBL) | 5.0 | 5.2 | 5.4 | 5.4 | 6.0 | 6.1 | 6.1 | 5.7 | 6.1 | 5.6 | 5.9 | 4.8 | |
| NPA to Gross Assets | 3.5 | 3.5 | 3.6 | 3.7 | 4.1 | 4.1 | 3.9 | 4.0 | 3.5 | 3.5 | 3.5 | 3.3 | |
| Cash and Due from Banks to Deposits | 23.4 | 21.7 | 23.4 | 22.8 | 24.1 | 25.0 | 26.6 | 27.1 | 26.7 | 26.5 | 25.8 | 21.4 | |
| Liquid Assets to Deposits | 54.8 | 55.4 | 58.7 | 53.8 | 57.7 | 61.2 | 63.1 | 60.4 | 60.7 | 60.1 | 59.1 | 52.8 | |
| Loans, gross to Deposits | 78.8 | 77.0 | 75.8 | 77.0 | 74.2 | 70.0 | 68.9 | 69.5 | 75.2 | 77.8 | 79.6 | 81.3 | |
| Earning Asset Yield * 5/ | 9.2 | 8.7 | 9.5 | 8.7 | |||||||||
| Funding Cost * 6/ | 4.7 | 4.4 | 4.6 | 4.0 | |||||||||
| Interest Spread * 7/ | 4.5 | 4.4 | 5.0 | 4.7 | |||||||||
| Net Interest Margin * 8/ | 4.6 | 4.4 | 4.9 | 4.6 | |||||||||
| Net Interest Income to Total Operating Income | 63.3 | 62.1 | 63.0 | 62.4 | |||||||||
| Cost to Income Ratio * 9/ | 56.2 | 55.7 | 60.5 | 57.4 | |||||||||
| Return on Assets | 1.6 | 1.5 | 1.4 | 1.5 | |||||||||
| Return on Equity | 10.3 | 10.3 | 9.1 | 9.6 | |||||||||
| Capital Adequacy Ratio (CAR) 10/ | |||||||||||||
| Solo Basis | 26.8 | 28.1 | 20.8 | 21.0 | |||||||||
| Consolidated Basis | 27.8 | 28.1 | 20.5 | 21.0 | |||||||||
| Total Capital Accounts to Total Assets | 14.7 | 14.0 | 14.1 | 13.9 | 15.1 | 14.9 | 13.9 | 13.4 | 14.5 | 14.5 | 14.1 | 14.7 | |
| * 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 | |||||||||||||