| 21
CONSOLIDATED STATEMENT OF CONDITION
AND KEY RATIOS |
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| Universal Banking System 1/ |
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| as of end of periods indicated |
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| in billion pesos |
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| Selected
Accounts |
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March-08
r/ |
Apr-08 |
May-08 |
Jun-08
r/ |
Jul-08 |
Aug-08 |
Sep-08 |
Oct-08 |
Nov-08 |
Dec-08 |
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Asset
Accounts 2/ |
|
3,691.700 |
3,724.545 |
3,786.744 |
3,916.709 |
3,786.233 |
3,877.138 |
3,949.685 |
4,027.560 |
4,120.121 |
4,260.566 |
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Cash and Due from Banks |
|
552.230 |
542.231 |
539.284 |
591.796 |
514.392 |
554.209 |
615.751 |
618.662 |
574.054 |
656.245 |
| |
Financial
Assets, Excl of Equity Investments in
Subs., Assoc. and Joint Vent (Net of Amortization) |
|
974.338 |
944.978 |
962.949 |
996.303 |
978.925 |
1,019.523 |
1,040.349 |
1,078.141 |
1,079.469 |
1,126.417 |
| |
|
Financial Assets Held for Trading (HFT) |
|
150.006 |
110.771 |
103.384 |
110.309 |
108.415 |
114.505 |
126.751 |
113.026 |
103.235 |
165.030 |
| |
|
Financial Assets Designated at Fair Value
through Profit or Loss - Debt Sect |
|
14.977 |
13.445 |
10.397 |
11.185 |
12.038 |
13.317 |
13.874 |
11.270 |
11.380 |
11.035 |
| |
|
AFS Financial Assets, Net of Amortization |
|
581.779 |
593.546 |
620.038 |
640.271 |
620.141 |
632.782 |
621.506 |
444.411 |
423.197 |
405.435 |
| |
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|
AFS Debt
Securities |
|
564.967 |
578.108 |
602.777 |
622.028 |
601.804 |
543.380 |
601.652 |
430.029 |
409.224 |
392.138 |
| |
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Unamortized
Discount/Premium |
|
12.570 |
11.485 |
12.839 |
13.798 |
14.154 |
85.224 |
15.617 |
10.026 |
9.680 |
8.847 |
| |
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|
AFS-Debt
Securities Net of Amortization |
|
577.537 |
589.592 |
615.616 |
635.825 |
615.958 |
628.604 |
617.269 |
440.055 |
418.904 |
400.984 |
| |
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|
AFS-Equity
Securities |
|
4.242 |
3.954 |
4.421 |
4.445 |
4.183 |
4.177 |
4.237 |
4.356 |
4.292 |
4.451 |
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|
Held-to-Maturity (HTM) Financial Assets |
|
153.648 |
150.061 |
154.194 |
159.163 |
162.338 |
176.229 |
187.830 |
355.895 |
388.241 |
391.373 |
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Unamortized Discount/Premium |
|
0.841 |
4.062 |
1.212 |
1.338 |
1.364 |
1.423 |
1.590 |
4.399 |
4.479 |
3.823 |
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HTM Financial Assets - Net of Amortization |
|
154.489 |
154.124 |
155.406 |
160.501 |
163.702 |
177.652 |
189.420 |
360.294 |
392.721 |
395.196 |
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Unquoted Debt Securities Classified as Loans |
|
73.984 |
73.908 |
74.682 |
74.936 |
75.273 |
82.676 |
89.925 |
150.203 |
150.251 |
150.790 |
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Unamortized Discount/Premium |
|
(8.113) |
(8.033) |
(8.166) |
(8.099) |
(8.158) |
(8.932) |
(9.397) |
(9.615) |
(9.857) |
(9.603) |
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Unquoted Debt Securities Classified as Loans
-Net of Amortization |
|
65.871 |
65.875 |
66.516 |
66.837 |
67.115 |
73.744 |
80.528 |
140.588 |
140.394 |
141.186 |
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Investment in Non-Markeatable Equity
Securities (INMES) |
|
7.217 |
7.217 |
7.207 |
7.200 |
7.513 |
7.524 |
8.271 |
8.552 |
8.542 |
8.536 |
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Accumulated Market Gain (Losses) -Financial
Assets |
|
6.289 |
(6.825) |
(14.357) |
(28.323) |
(21.761) |
(11.115) |
(20.318) |
(34.490) |
(27.325) |
(11.756) |
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Allowance for Credit Losses-Financial Assets |
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10.666 |
10.632 |
11.292 |
10.900 |
10.905 |
10.950 |
17.515 |
17.838 |
18.853 |
19.659 |
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Allowance for Credit Losses-AFS |
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2.010 |
1.904 |
1.549 |
0.242 |
0.242 |
0.241 |
4.657 |
3.846 |
4.875 |
4.884 |
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Allowance for Credit Losses-HTM |
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0.862 |
0.865 |
0.873 |
0.822 |
0.817 |
0.828 |
1.013 |
1.056 |
1.035 |
1.048 |
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Allowance for Credit Losses-Unquoted Debt
Securities Classified as Loans |
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5.073 |
5.096 |
6.106 |
6.925 |
6.933 |
6.968 |
7.812 |
8.851 |
8.862 |
9.604 |
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Allowance for Credit Losses- INMES |
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2.721 |
2.768 |
2.763 |
2.912 |
2.912 |
2.914 |
4.033 |
4.085 |
4.080 |
4.124 |
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Financial Assets -Net of Allowance for Credit
Losses |
|
969.962 |
927.520 |
937.299 |
957.079 |
946.259 |
997.458 |
1,002.516 |
1,025.813 |
1,033.291 |
1,095.002 |
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Equity Investments In Subsidiaries, Assoc.
& Joint Vent. |
|
111.731 |
112.114 |
111.639 |
109.577 |
109.174 |
108.896 |
110.510 |
103.508 |
101.171 |
101.865 |
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Allowance for Credit Losses-Equity Investment
in Subsidiaries, Assoc. and Joint Vent |
|
0.603 |
0.603 |
0.603 |
0.561 |
0.561 |
0.561 |
0.561 |
0.561 |
0.561 |
0.597 |
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Equity Investments In Subsidiaries, Assoc.
& Joint Vent.(Net of Allow. For Credit Losses) |
111.128 |
111.511 |
111.037 |
109.016 |
108.613 |
108.335 |
109.949 |
102.948 |
100.610 |
101.268 |
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Total Loan Portfolio, gross (net of
amortization) |
|
1,733.945 |
1,819.782 |
1,874.081 |
1,929.010 |
1,893.234 |
1,905.269 |
1,901.087 |
1,941.593 |
2,055.059 |
2,094.084 |
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Loans and Receivables, gross (net of
amortization) |
|
1,590.773 |
1,645.241 |
1,693.424 |
1,720.755 |
1,725.867 |
1,769.718 |
1,789.633 |
1,839.106 |
1,859.108 |
1,935.943 |
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Loans to Bangko Sentral ng Pilipinas |
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0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
1.905 |
0.000 |
0.000 |
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Interbank Loans Receivable |
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172.472 |
214.529 |
248.164 |
228.661 |
202.237 |
203.660 |
168.436 |
177.481 |
152.702 |
143.407 |
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Loans and Receivables -Others |
|
1,426.060 |
1,438.559 |
1,453.154 |
1,501.583 |
1,533.230 |
1,575.343 |
1,630.453 |
1,669.229 |
1,716.067 |
1,801.952 |
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Unamortized Discount and Other Deferred Credits |
|
7.759 |
7.847 |
7.893 |
9.489 |
9.599 |
9.285 |
9.256 |
9.509 |
9.661 |
9.417 |
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Loans and Receivables - Others - Net of Amortization |
|
1,418.301 |
1,430.712 |
1,445.261 |
1,492.094 |
1,523.631 |
1,566.058 |
1,621.197 |
1,659.720 |
1,706.406 |
1,792.535 |
| |
|
Loans and
Receivables Arising from Repurchase Agreements, Certificates of
Assignment/Participation with Recourse, and Securities Lending and Borrowing
Transactions |
|
143.172 |
174.541 |
180.657 |
208.255 |
167.367 |
135.551 |
111.454 |
102.487 |
195.952 |
158.141 |
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Allowance for Credit Losses-Loans |
|
86.725 |
86.468 |
87.199 |
90.364 |
90.359 |
90.312 |
89.645 |
90.923 |
90.461 |
90.923 |
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Allowance for Credit Losses-Interbank Loans
Receivable |
|
0.000 |
0.000 |
0.007 |
0.073 |
0.119 |
0.128 |
1.198 |
1.194 |
1.194 |
1.445 |
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Allowance for Credit Losses-Loans and
Receivables -Other |
|
68.751 |
68.170 |
68.477 |
71.516 |
71.345 |
71.038 |
68.746 |
69.762 |
69.313 |
68.650 |
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Allowance for Credit Losses-LRARA |
|
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
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General Loan Loss Provision (GLLP) |
|
17.974 |
18.297 |
18.716 |
18.776 |
18.894 |
19.147 |
19.702 |
19.967 |
19.953 |
20.828 |
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Total Loan Portfolio, Net of Allowance for
Credit Losses |
|
1,647.220 |
1,733.315 |
1,786.882 |
1,838.646 |
1,802.875 |
1,814.957 |
1,811.442 |
1,850.670 |
1,964.598 |
2,003.161 |
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Total ROPA |
|
149.834 |
147.700 |
145.898 |
144.939 |
144.586 |
144.127 |
143.443 |
143.340 |
142.231 |
143.271 |
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|
Sales Contract Receivable |
|
14.789 |
14.917 |
15.003 |
14.255 |
14.401 |
14.415 |
14.336 |
14.265 |
14.726 |
15.272 |
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|
Non-Current Assets Held for Sale |
|
12.134 |
12.090 |
11.699 |
11.527 |
11.886 |
11.971 |
13.422 |
13.300 |
13.203 |
13.962 |
| |
|
Real and Other Properties Acquired |
|
122.912 |
120.693 |
119.196 |
119.157 |
118.299 |
117.741 |
115.686 |
115.775 |
114.302 |
114.037 |
| |
Accumulated Depreciation |
|
13.215 |
12.884 |
12.921 |
12.974 |
12.645 |
12.641 |
12.564 |
12.545 |
12.583 |
12.517 |
| |
Unamortized Discount and Other Deferred
Credits |
|
0.013 |
0.019 |
0.019 |
0.019 |
0.017 |
0.017 |
0.016 |
0.015 |
0.017 |
0.017 |
| |
Allowance for Losses - ROPA |
|
11.262 |
11.051 |
11.137 |
11.216 |
11.386 |
11.598 |
13.047 |
13.161 |
13.201 |
14.436 |
| |
|
Allowance for Credit Losses- Sales Contract
Receivable |
|
0.332 |
0.096 |
0.096 |
0.099 |
0.098 |
0.097 |
0.096 |
0.091 |
0.090 |
0.107 |
| |
|
Allowance for Losses -Real and Other
Properties Acquired |
|
10.930 |
10.955 |
11.041 |
11.117 |
11.288 |
11.502 |
11.665 |
11.785 |
9.712 |
10.931 |
| |
|
Allowance for Credit Losses -Non Current
Assets held for Sale |
|
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
1.285 |
1.285 |
3.399 |
3.399 |
| |
ROPA, Net of Allowance for Losses |
|
125.345 |
123.746 |
121.821 |
120.730 |
120.538 |
119.871 |
117.817 |
117.618 |
116.430 |
116.301 |
| |
Total Other Assets, Net |
|
285.814 |
286.222 |
290.421 |
299.442 |
293.555 |
282.307 |
292.210 |
311.850 |
331.137 |
288.588 |
| |
|
Derivatives with Positive Fair Value Held for
Hedging |
|
0.017 |
0.022 |
0.027 |
0.018 |
0.018 |
0.034 |
0.111 |
0.278 |
0.040 |
0.008 |
| |
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Revaluation of Hedged Assets in Portfolio
Hedge of Interest Rate Risk |
|
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.408 |
| |
|
Goodwill |
|
14.277 |
14.277 |
14.489 |
14.489 |
14.489 |
14.489 |
14.489 |
14.489 |
14.489 |
14.489 |
| |
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Allowance for
Losses |
|
0.269 |
0.279 |
0.289 |
0.299 |
0.309 |
0.319 |
0.329 |
0.329 |
0.329 |
0.366 |
| |
|
Goodwill - Net |
|
14.008 |
13.998 |
14.200 |
14.190 |
14.180 |
14.170 |
14.160 |
14.160 |
14.160 |
14.123 |
| |
|
Accrued Interest Income from Financial Assets |
|
33.498 |
34.207 |
36.642 |
39.973 |
40.008 |
40.618 |
36.050 |
39.434 |
43.106 |
45.585 |
| |
|
|
Allowance for Credit Losses |
|
5.185 |
5.196 |
5.178 |
5.223 |
5.228 |
5.225 |
4.547 |
4.657 |
4.698 |
4.158 |
| |
|
Accrued Interest Income from Financial Assets,
net |
|
28.313 |
29.011 |
31.465 |
34.751 |
34.780 |
35.392 |
31.503 |
34.776 |
38.408 |
41.426 |
| |
|
Bank Premises, Furniture, Fixture and
Equipment |
|
121.814 |
122.886 |
123.504 |
124.031 |
124.790 |
125.146 |
125.981 |
127.100 |
128.759 |
129.258 |
| |
|
|
Accumulated Depreciation |
|
52.775 |
53.120 |
53.711 |
53.975 |
54.314 |
54.732 |
55.184 |
55.834 |
56.089 |
56.199 |
| |
|
|
Allowance for Losses |
|
1.824 |
1.832 |
1.838 |
1.843 |
1.838 |
1.840 |
1.842 |
1.844 |
1.842 |
1.840 |
| |
|
Bank Premises, Furniture, Fixture and
Equipment - Net |
|
67.215 |
67.935 |
67.955 |
68.213 |
68.638 |
68.574 |
68.955 |
69.421 |
70.829 |
71.219 |
| |
|
Other Intangible Assets |
|
2.828 |
2.885 |
3.423 |
3.488 |
3.574 |
3.620 |
3.673 |
3.693 |
3.723 |
4.131 |
| |
|
|
Accumulated Amortization |
|
1.132 |
1.164 |
1.190 |
1.217 |
1.242 |
1.288 |
1.316 |
1.344 |
1.370 |
1.516 |
| |
|
|
Allowance for Losses |
|
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
| |
|
Other Intangible Assets, net |
|
1.696 |
1.721 |
2.232 |
2.271 |
2.332 |
2.332 |
2.357 |
2.349 |
2.353 |
2.616 |
| |
|
Deferred Tax Asset |
|
35.332 |
36.522 |
36.594 |
35.865 |
36.080 |
36.000 |
37.473 |
38.415 |
37.651 |
36.268 |
| |
|
Due from FCDU/RBU |
|
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
| |
|
Other Assets |
|
157.720 |
156.668 |
157.663 |
163.629 |
157.244 |
145.432 |
154.886 |
170.641 |
186.224 |
140.962 |
| |
|
|
Allowance for Losses |
|
18.486 |
19.654 |
19.714 |
19.494 |
19.717 |
19.628 |
17.234 |
18.189 |
18.527 |
18.440 |
| |
|
Other Assets - Net |
|
139.234 |
137.014 |
137.949 |
144.135 |
137.527 |
125.805 |
137.652 |
152.451 |
167.697 |
122.522 |
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
LIABILITIES AND CAPITAL |
|
3,691.700 |
3,724.545 |
3,786.744 |
3,916.709 |
3,786.233 |
3,877.138 |
3,949.685 |
4,027.560 |
4,120.121 |
4,260.566 |
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
Liability Accounts |
|
3,274.100 |
3,316.986 |
3,385.961 |
3,530.942 |
3,392.460 |
3,473.711 |
3,548.591 |
3,647.123 |
3,733.873 |
3,853.138 |
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
Financial Liabilities Held for Trading |
|
26.303 |
23.098 |
33.712 |
39.713 |
28.974 |
33.501 |
34.011 |
38.687 |
32.585 |
29.125 |
| |
Financial Liabilities Designated at Fair Value
through Profit or Loss |
|
10.016 |
5.068 |
5.227 |
11.032 |
11.065 |
11.564 |
10.744 |
10.821 |
10.787 |
10.962 |
| |
Deposit Liabilities |
|
2,627.124 |
2,677.724 |
2,705.759 |
2,796.036 |
2,781.329 |
2,825.867 |
2,928.433 |
2,992.565 |
3,074.222 |
3,183.695 |
| |
|
Peso |
|
2,031.784 |
2,036.039 |
2,042.413 |
2,099.863 |
2,076.098 |
2,103.776 |
2,196.459 |
2,239.119 |
2,326.583 |
2,428.258 |
| |
|
Demand & NOW |
|
466.588 |
463.945 |
469.531 |
485.248 |
494.733 |
497.853 |
509.097 |
517.358 |
528.774 |
532.951 |
| |
|
Savings Deposits |
|
1,104.073 |
1,107.982 |
1,102.087 |
1,038.238 |
1,025.834 |
1,011.542 |
1,042.936 |
1,068.658 |
1,113.023 |
1,163.456 |
| |
|
Time Certificate of Deposits |
|
445.025 |
448.066 |
454.782 |
559.947 |
539.075 |
572.945 |
622.999 |
631.511 |
663.175 |
710.240 |
| |
|
LTNCD |
|
16.098 |
16.046 |
16.013 |
16.430 |
16.455 |
21.435 |
21.427 |
21.591 |
21.610 |
21.611 |
| |
|
Foreign Currency |
|
595.340 |
641.685 |
663.346 |
696.173 |
705.231 |
722.092 |
731.974 |
753.446 |
747.640 |
755.437 |
| |
Bills Payable |
|
310.179 |
313.524 |
317.417 |
366.740 |
270.373 |
273.123 |
264.487 |
292.672 |
266.458 |
277.414 |
| |
|
Deposit Substitutes |
|
92.502 |
103.547 |
88.803 |
125.507 |
51.308 |
24.173 |
16.166 |
8.819 |
9.663 |
16.450 |
| |
|
Others |
|
217.677 |
209.978 |
228.614 |
241.233 |
219.065 |
248.950 |
248.321 |
283.853 |
256.795 |
260.964 |
| |
Special Financing |
|
0.007 |
0.007 |
0.007 |
0.007 |
0.007 |
0.007 |
0.006 |
0.006 |
0.006 |
0.006 |
| |
|
Time Certificate of Deposits - SF |
|
0.005 |
0.005 |
0.005 |
0.005 |
0.005 |
0.005 |
0.005 |
0.005 |
0.005 |
0.005 |
| |
|
Special Time Deposits |
|
0.002 |
0.002 |
0.002 |
0.002 |
0.002 |
0.002 |
0.001 |
0.001 |
0.001 |
0.001 |
| |
Unsecured Subordinated Debt |
|
80.082 |
80.463 |
91.275 |
82.360 |
74.960 |
75.818 |
82.694 |
88.762 |
88.714 |
87.056 |
| |
|
|
Unamortized Debt Discount/Premium |
|
(0.252) |
(0.313) |
(0.302) |
(0.209) |
(0.201) |
(0.195) |
(0.189) |
(0.239) |
(0.229) |
(0.226) |
| |
Unsecured Subordinated Debt - Net |
|
79.830 |
80.150 |
90.973 |
82.151 |
74.759 |
75.622 |
82.505 |
88.523 |
88.485 |
86.830 |
| |
Redeemable Preferred Shares |
|
2.088 |
3.170 |
2.188 |
2.245 |
2.208 |
2.296 |
2.353 |
2.447 |
2.448 |
2.376 |
| |
Total Other Liabilities |
|
218.553 |
214.244 |
230.678 |
233.018 |
223.745 |
251.730 |
226.052 |
221.402 |
258.881 |
262.728 |
| |
|
Due to Other Banks |
|
3.352 |
3.569 |
4.195 |
3.416 |
3.244 |
1.080 |
4.047 |
4.567 |
3.230 |
3.435 |
| |
|
Bonds Payable |
|
10.047 |
10.168 |
10.525 |
10.802 |
10.622 |
11.049 |
11.319 |
6.182 |
6.185 |
6.003 |
| |
|
|
Unamortized Bond Discount/Premium |
|
(0.004) |
(0.004) |
(0.003) |
(0.003) |
(0.002) |
(0.002) |
(0.001) |
0.000 |
0.000 |
0.000 |
| |
|
Bonds Payable - Net |
|
10.043 |
10.165 |
10.522 |
10.799 |
10.619 |
11.047 |
11.319 |
6.182 |
6.185 |
6.003 |
| |
|
Financial Liabilities Associated with
Transferred Assets |
|
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
| |
|
Derivatives with Negative Fair Value Held for
Hedging |
|
0.357 |
0.339 |
0.357 |
0.377 |
0.436 |
0.350 |
0.450 |
0.756 |
0.419 |
0.761 |
| |
|
Revaluation of Hedged Liabilities in Portfolio
Hedge of Interest Rate Risk |
|
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
| |
|
Accrued Interest Expense on Financial
Liabilities |
|
15.641 |
16.252 |
16.903 |
16.096 |
16.183 |
17.465 |
16.929 |
18.340 |
19.204 |
19.127 |
| |
|
Finance Lease Payment Payable |
|
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
| |
|
Due to Treasurer of the Philippines |
|
1.114 |
2.389 |
8.666 |
1.360 |
0.965 |
11.587 |
2.143 |
0.791 |
8.058 |
2.912 |
| |
|
Treasurer/Cashier/Manager's Checks |
|
15.794 |
15.808 |
15.850 |
16.594 |
16.951 |
15.302 |
17.156 |
14.754 |
17.194 |
14.946 |
| |
|
Payment Orders Payable |
|
2.758 |
2.483 |
2.329 |
2.756 |
1.862 |
2.018 |
2.228 |
2.499 |
2.108 |
2.693 |
| |
|
Margin Deposits on LCs and Customers'
Liability on Bills/Drafts under LCs and/or TRs |
2.096 |
2.318 |
2.123 |
2.641 |
3.122 |
2.277 |
2.184 |
1.716 |
1.711 |
1.545 |
| |
|
Cash Letters of Credit |
|
2.725 |
2.881 |
2.922 |
2.975 |
2.922 |
2.724 |
3.340 |
3.012 |
2.981 |
2.561 |
| |
|
Outstanding Acceptances Executed by or for
Account of this Bank |
|
5.762 |
6.330 |
7.305 |
7.446 |
9.946 |
8.664 |
8.274 |
5.864 |
4.906 |
4.201 |
| |
|
Due to Bangko Sentral ng Pilipinas |
|
0.441 |
0.542 |
0.644 |
0.798 |
0.932 |
1.035 |
1.190 |
1.300 |
1.420 |
1.546 |
| |
|
Due to Philippine Deposit Insurance
Corporation |
|
0.350 |
0.465 |
0.543 |
0.670 |
0.240 |
0.379 |
0.515 |
0.608 |
0.728 |
0.862 |
| |
|
Due to Philippine Crop Insurance Corporation |
|
0.002 |
0.002 |
0.002 |
0.002 |
0.002 |
0.002 |
0.002 |
0.002 |
0.002 |
0.005 |
| |
|
Income Tax Payable |
|
1.404 |
0.963 |
1.010 |
1.213 |
1.111 |
0.905 |
0.887 |
0.983 |
0.959 |
1.212 |
| |
|
Other Taxes and Licenses Payable |
|
1.333 |
1.208 |
1.267 |
1.526 |
1.628 |
1.690 |
1.852 |
1.992 |
2.175 |
2.740 |
| |
|
Accrued Expenses |
|
16.732 |
16.716 |
16.445 |
15.823 |
15.765 |
16.575 |
16.641 |
17.074 |
16.636 |
16.009 |
| |
|
Unearned Income |
|
6.517 |
6.425 |
6.357 |
4.625 |
4.789 |
5.148 |
4.355 |
4.290 |
4.063 |
4.082 |
| |
|
Deferred Tax Liabilities |
|
5.840 |
5.912 |
6.181 |
3.432 |
3.392 |
3.819 |
3.990 |
4.231 |
3.709 |
2.965 |
| |
|
Provisions |
|
1.059 |
1.086 |
1.114 |
1.142 |
1.167 |
1.195 |
1.224 |
1.262 |
1.288 |
1.317 |
| |
|
Other Liabilities |
|
117.509 |
109.278 |
112.718 |
128.470 |
119.004 |
127.596 |
120.626 |
114.598 |
138.135 |
162.822 |
| |
|
Due to Head Office/Branches/Agencies
(Philippine branch of a foreign bank) |
|
7.726 |
9.112 |
13.224 |
10.855 |
9.464 |
20.872 |
6.699 |
16.581 |
23.772 |
10.986 |
| |
|
Due to FCDU/RBU |
|
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
Capital Accounts |
|
417.600 |
407.559 |
400.784 |
385.767 |
393.772 |
403.427 |
401.095 |
380.437 |
386.249 |
407.428 |
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
Paid in Capital Stock |
|
172.106 |
172.106 |
172.106 |
172.106 |
180.323 |
180.324 |
186.141 |
188.097 |
188.097 |
188.097 |
| |
Additional Paid-in Capital |
|
36.233 |
36.234 |
36.265 |
38.303 |
38.303 |
38.306 |
38.306 |
38.306 |
38.306 |
38.306 |
| |
Other Equity Instruments |
|
14.664 |
14.841 |
15.363 |
15.766 |
15.503 |
16.126 |
16.521 |
17.185 |
17.192 |
16.686 |
| |
Retained Earnings |
|
144.504 |
149.667 |
147.781 |
136.634 |
131.731 |
126.576 |
125.081 |
123.475 |
123.032 |
136.437 |
| |
Stock Dividend Distributable |
|
0.000 |
0.000 |
0.000 |
5.409 |
1.156 |
1.156 |
1.156 |
0.000 |
0.000 |
0.000 |
| |
Undivided Profits |
|
16.292 |
12.700 |
15.398 |
18.089 |
21.280 |
25.332 |
25.124 |
24.386 |
26.181 |
18.627 |
| |
Other Comprehensive Income |
|
8.272 |
(5.366) |
(13.503) |
(27.914) |
(21.896) |
(11.765) |
(20.147) |
(39.873) |
(35.422) |
(19.588) |
| |
Appraisal Increment Reserve |
|
1.464 |
1.464 |
1.460 |
1.460 |
1.459 |
1.459 |
1.459 |
1.409 |
1.409 |
1.409 |
| |
Treasury Stock |
|
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
| |
Assigned Capital |
|
6.478 |
6.478 |
6.478 |
6.478 |
6.478 |
6.478 |
6.863 |
6.863 |
6.863 |
6.863 |
| |
Net Due to HO/Br/Ag |
|
17.587 |
19.435 |
19.435 |
19.435 |
19.435 |
19.435 |
20.590 |
20.590 |
20.590 |
20.590 |
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
Key
Ratios |
|
|
|
|
|
|
|
|
|
|
|
| |
Cash and Due from Banks to Deposits |
|
21.02 |
20.25
|
19.93 |
21.17 |
18.49 |
19.61 |
21.03 |
20.67 |
18.67
|
20.61 |
| |
Liquid Assets to Deposits 3/ |
|
57.94 |
54.89
|
54.57 |
55.40 |
52.52 |
54.91 |
55.26 |
54.95 |
52.28
|
55.01 |
| |
Loans, gross to Deposits |
|
66.00 |
67.96
|
69.26 |
68.99 |
68.07 |
67.42 |
64.92 |
64.88 |
66.85
|
65.78 |
| |
Capital Adequacy Ratio (CAR) 4/ |
|
|
|
|
|
|
|
|
|
|
|
| |
|
|
Solo Basis |
|
12.96 |
|
|
13.28 |
|
|
13.17 |
|
|
13.59 |
| |
|
|
Consolidated Basis |
|
14.75 |
|
|
14.79 |
|
|
14.65 |
|
|
14.78 |
| |
Total Capital Accounts to Total Assets 5/ |
|
11.37 |
11.03
|
10.64 |
9.91
|
10.46 |
10.46 |
10.21 |
9.51 |
9.43 |
9.62 |
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
1/ Inclusive
of foreign banks and government banks with universal banking license |
| |
2/ Figures adjusted to net off the account "Due from
Head Office" with "Due to Head Office" of branches of foreign
banks |
| |
3/ Ratio of
Liquid Assets (Cash and Due from Banks + Financial Assets, Net of Allowance
for Credit Losses) to Total Deposits |
| |
4/ Based on the framework
under Circular No. 280 dated 29 March 2001 which was formally adopted on 1
July 2001. Effective 1 July 2003, the
CARs of Universal and Commercial Banks (U/KBs), are based on combined credit
and market risks under Circular No. dated 3 December 2002. The capital
adequacy framework, covering U/KBs and their subsidiary banks and
quasi-banks, was revised under Circular
No. 538 dated 2 June 2006 and was formally adopted on 1 July
2007. The CAR computation for Thrift
Banks, Rural and Cooperative Banks and Quasi-Banks that are not subsidiaries
of U/KBs continue to be governed by Circular No. 280 and Circular No. 400
dated 1 September 2003. |
| |
5/ Ratio of Total
Capital Accounts ( for ratio analysis
consists of Total Capital Accounts + Redeemable Preferred Shares) to
Total Assets |
| |
r/ Revised |
| |
Note: Details may not add up to totals due to rounding-off |
| |
Source : Supervisory Data Center, Supervision and Examination
Sector |
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Updated as of 04 March 2009 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|