34 Selected Performance Indicators                          
                             
                             
  Commercial Bank Group                          
  as of end of periods indicated                          
  amounts in thousand Pesos, ratios in percent (%)                          
                             
   
  Selected Accounts Jan-16 Feb-16 Mar-16 Apr-16 May-16 Jun-16 Jul-16 Aug-16 Sep-16 Oct-16 Nov-16 Dec-16  
   
  ASSET QUALITY RATIOS:   
  Past Due Ratio 2.94 3.04 2.99 3.66 3.53 3.55 3.48 3.26 2.99 2.81 2.91 2.57  
  Past Due Loans 13,267,774.28 13,561,997.54 13,497,515.81 16,618,369.57 16,498,295.54 16,510,878.42 15,902,182.71 15,608,933.67 15,206,780.34 15,546,183.82 16,056,680.15 15,269,019.73  
  Total Loan Portfolio (TLP), gross  451,138,856.53 446,662,432.71 451,631,589.38 453,863,268.57 467,343,905.67 464,801,424.09 457,166,715.67 479,124,035.82 508,475,861.36 552,922,537.44 551,009,786.18 594,925,559.19  
  RL to TLP 0.89 0.88 0.87 0.86 0.75 0.85 0.85 0.81 0.77 0.70 0.70 0.62  
  Restructured Loans (RL), gross 4,000,312.29 3,931,668.60 3,922,905.14 3,899,840.45 3,523,180.18 3,968,662.41 3,887,837.52 3,871,946.62 3,901,162.15 3,896,383.65 3,866,143.50 3,666,252.63  
  TLP, gross  451,138,856.53 446,662,432.71 451,631,589.38 453,863,268.57 467,343,905.67 464,801,424.09 457,166,715.67 479,124,035.82 508,475,861.36 552,922,537.44 551,009,786.18 594,925,559.19  
  Loan Loss Reserves (LLR) to TLP 3.27 3.38 3.33 3.34 3.28 3.30 3.38 3.27 3.26 2.69 2.73 2.45  
  Allowance for Credit Losses (ACL) - TLP 14,763,390.58 15,089,745.73 15,055,172.89 15,151,425.82 15,311,509.92 15,339,564.79 15,471,235.25 15,679,960.64 16,596,970.61 14,883,424.36 15,031,792.23 14,585,471.17  
  TLP, gross  451,138,856.53 446,662,432.71 451,631,589.38 453,863,268.57 467,343,905.67 464,801,424.09 457,166,715.67 479,124,035.82 508,475,861.36 552,922,537.44 551,009,786.18 594,925,559.19  
  Gross NPL Ratio 2.42 2.48 2.50 2.28 2.30 2.32 2.35 2.26 2.11 1.95 1.99 1.72  
  Gross Non-Performing Loans (NPL) 10,896,918.18 11,055,365.33 11,286,547.48 10,345,809.96 10,748,307.92 10,762,602.56 10,765,208.73 10,828,958.50 10,708,512.69 10,778,157.17 10,976,862.86 10,254,225.26  
  TLP, gross  451,138,856.53 446,662,432.71 451,631,589.38 453,863,268.57 467,343,905.67 464,801,424.09 457,166,715.67 479,124,035.82 508,475,861.36 552,922,537.44 551,009,786.18 594,925,559.19  
  Gross NPL Ratio, net of IBL 2.57 2.61 2.66 2.41 2.42 2.44 2.45 2.40 2.28 2.08 2.13 1.84  
  Gross NPL, net of NP IBL 10,896,918.18 11,055,365.33 11,286,547.48 10,345,809.96 10,748,307.92 10,762,602.56 10,765,208.73 10,828,958.50 10,708,512.69 10,778,157.17 10,976,862.86 10,254,225.26  
  (1) Gross NPL 10,896,918.18 11,055,365.33 11,286,547.48 10,345,809.96 10,748,307.92 10,762,602.56 10,765,208.73 10,828,958.50 10,708,512.69 10,778,157.17 10,976,862.86 10,254,225.26  
  (2) Non-performing IBL 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00  
  TLP, gross net of IBL 423,740,202.10 424,011,591.75 423,752,785.13 428,418,012.98 443,546,690.26 440,341,416.94 439,769,831.41 451,538,826.85 469,158,941.10 517,160,317.15 514,225,637.73 557,592,973.21  
  (1) TLP, gross 451,138,856.53 446,662,432.71 451,631,589.38 453,863,268.57 467,343,905.67 464,801,424.09 457,166,715.67 479,124,035.82 508,475,861.36 552,922,537.44 551,009,786.18 594,925,559.19  
  (2) Interbank Loans Receivables (IBL) 27,398,654.43 22,650,840.97 27,878,804.25 25,445,255.58 23,797,215.41 24,460,007.15 17,396,884.25 27,585,208.97 39,316,920.26 35,762,220.29 36,784,148.45 37,332,585.99  
  Net NPL Ratio 0.58 0.58 0.75 0.65 0.69 0.66 0.23 0.46 0.29 0.16 0.18 0.12  
  NPL, net of Specific ACL 2,597,999.02 2,599,899.72 3,381,571.03 2,965,896.25 3,246,157.26 3,085,456.55 1,055,888.83 2,200,735.48 1,479,932.33 874,566.67 971,011.52 736,632.13  
  (1) Gross NPL 10,896,918.18 11,055,365.33 11,286,547.48 10,345,809.96 10,748,307.92 10,762,602.56 10,765,208.73 10,828,958.50 10,708,512.69 10,778,157.17 10,976,862.86 10,254,225.26  
  (2) Specific ACL 8,298,919.16 8,455,465.62 7,904,976.46 7,379,913.71 7,502,150.67 7,677,146.01 9,709,319.90 8,628,223.03 9,228,580.36 9,903,590.50 10,005,851.34 9,517,593.13  
  TLP, gross  451,138,856.53 446,662,432.71 451,631,589.38 453,863,268.57 467,343,905.67 464,801,424.09 457,166,715.67 479,124,035.82 508,475,861.36 552,922,537.44 551,009,786.18 594,925,559.19  
  NPL Coverage Ratio 135.48 136.49 133.39 146.45 142.46 142.53 143.72 144.80 154.99 138.09 136.94 142.24  
  ACL - TLP 14,763,390.58 15,089,745.73 15,055,172.89 15,151,425.82 15,311,509.92 15,339,564.79 15,471,235.25 15,679,960.64 16,596,970.61 14,883,424.36 15,031,792.23 14,585,471.17  
  Gross NPL 10,896,918.18 11,055,365.33 11,286,547.48 10,345,809.96 10,748,307.92 10,762,602.56 10,765,208.73 10,828,958.50 10,708,512.69 10,778,157.17 10,976,862.86 10,254,225.26  
  NPA to Gross Assets  1.95 1.97 1.87 1.89 1.94 1.89 1.94 1.96 1.91 1.90 1.89 1.79  
  Non-Performing Assets (NPA) 18,982,991.56 19,141,539.21 19,375,949.10 18,366,585.30 19,195,517.71 19,226,708.15 19,276,489.92 19,450,834.77 19,323,782.29 19,474,936.77 19,786,490.21 19,122,017.53  
  (1) Gross NPL 10,896,918.18 11,055,365.33 11,286,547.48 10,345,809.96 10,748,307.92 10,762,602.56 10,765,208.73 10,828,958.50 10,708,512.69 10,778,157.17 10,976,862.86 10,254,225.26  
  (2) ROPA, gross 8,086,073.37 8,086,173.87 8,089,401.61 8,020,775.34 8,447,209.79 8,464,105.59 8,511,281.19 8,621,876.27 8,615,269.60 8,696,779.59 8,809,627.35 8,867,792.27  
  (a) Real and Other Properties Acquired (ROPA) 7,568,669.63 7,574,677.27 7,580,845.97 7,531,997.31 8,054,154.16 8,062,424.95 8,139,092.11 8,247,772.84 8,244,757.95 8,337,324.69 8,454,332.17 8,554,637.88  
  (b) Non-Current Assets Held for Sale 79,327.90 79,327.90 72,182.13 72,182.13 71,428.82 65,981.74 65,981.74 65,981.74 65,981.74 65,981.74 61,063.14 61,063.14  
  (c) Non-Performing Sales Contract Receivables (SCR) 438,075.84 432,168.71 436,373.50 416,595.90 321,626.81 335,698.90 306,207.34 308,121.69 304,529.91 293,473.16 294,232.04 252,091.26  
  Gross Assets 973,618,096.35 970,344,164.21 1,033,997,640.42 972,449,844.58 990,360,649.22 1,014,661,463.69 994,152,200.24 989,952,623.53 1,012,847,832.83 1,023,979,288.67 1,048,947,849.53 1,071,066,475.36  
  (1) Total Assets 957,102,858.88 953,483,256.90 1,017,153,667.46 955,500,828.66 972,951,496.56 997,184,750.34 976,531,879.14 972,114,565.50 994,081,984.34 1,006,902,345.02 1,031,720,223.71 1,054,282,782.58  
  (2) Allowance on NPA 16,515,237.47 16,860,907.32 16,843,972.96 16,949,015.93 17,409,152.66 17,476,713.35 17,620,321.10 17,838,058.03 18,765,848.49 17,076,943.64 17,227,625.82 16,783,692.79  
  NPA Coverage Ratio 87.00 88.09 86.93 92.28 90.69 90.90 91.41 91.71 97.11 87.69 87.07 87.77  
  Allowance on NPA 16,515,237.47 16,860,907.32 16,843,972.96 16,949,015.93 17,409,152.66 17,476,713.35 17,620,321.10 17,838,058.03 18,765,848.49 17,076,943.64 17,227,625.82 16,783,692.79  
  NPA 18,982,991.56 19,141,539.21 19,375,949.10 18,366,585.30 19,195,517.71 19,226,708.15 19,276,489.92 19,450,834.77 19,323,782.29 19,474,936.77 19,786,490.21 19,122,017.53  
  Distressed Assets Ratio 4.51 4.58 4.57 4.32 4.31 4.38 4.46 4.29 4.03 3.74 3.80 3.41  
  Distressed Assets 20,769,612.55 20,861,443.16 21,031,371.97 20,008,759.34 20,557,837.98 20,789,032.73 20,818,493.10 20,966,708.58 20,902,388.30 21,043,429.42 21,322,466.29 20,626,339.06  
  NPA 18,982,991.56 19,141,539.21 19,375,949.10 18,366,585.30 19,195,517.71 19,226,708.15 19,276,489.92 19,450,834.77 19,323,782.29 19,474,936.77 19,786,490.21 19,122,017.53  
  RL, Performing 1,786,620.99 1,719,903.95 1,655,422.87 1,642,174.04 1,362,320.27 1,562,324.58 1,542,003.18 1,515,873.81 1,578,606.01 1,568,492.65 1,535,976.08 1,504,321.53  
  TLP, gross  451,138,856.53 446,662,432.71 451,631,589.38 453,863,268.57 467,343,905.67 464,801,424.09 457,166,715.67 479,124,035.82 508,475,861.36 552,922,537.44 551,009,786.18 594,925,559.19  
  Total ROPA 9,089,702.18 9,064,694.81 9,056,514.36 9,015,049.70 9,484,157.69 9,458,738.22 9,495,866.80 9,588,474.53 9,560,312.14 9,669,014.48 9,556,046.31 9,629,329.24  
  (1) ROPA, gross 8,086,073.37 8,086,173.87 8,089,401.61 8,020,775.34 8,447,209.79 8,464,105.59 8,511,281.19 8,621,876.27 8,615,269.60 8,696,779.59 8,809,627.35 8,867,792.27  
  (2) Performing SCR 1,003,628.81 978,520.93 967,112.75 994,274.36 1,036,947.91 994,632.62 984,585.62 966,598.26 945,042.55 972,234.89 746,418.97 761,536.97  
  LIQUIDITY RATIOS  
  (1) Cash and Due from Banks to Deposits 40.53 39.39 44.66 38.15 37.97 39.30 38.66 38.40 38.17 36.85 37.60 36.53  
  Cash and Due from Banks   270,382,549.99 263,572,574.75 310,459,576.79 258,903,252.45 266,355,409.97 274,666,242.38 270,223,135.13 267,863,702.41 270,048,238.59 264,677,657.08 276,834,189.08 275,701,090.34  
  Deposits 667,067,752.88 669,097,201.80 695,115,221.69 678,673,324.11 701,495,881.44 698,947,383.10 698,986,320.00 697,607,099.77 707,528,118.75 718,192,526.56 736,351,012.81 754,768,198.63  
  (2) Liquid Assets to Deposits Ratio 69.76 70.70 76.41 67.93 66.73 70.92 68.44 66.08 64.17 58.44 60.29 56.08  
  Liquid Assets, sum of: 465,313,736.91 473,064,104.65 531,142,847.85 461,014,136.89 468,102,997.22 495,674,635.99 478,377,913.29 460,980,768.78 454,048,930.74 419,688,515.10 443,948,871.45 423,249,778.61  
  (1) Cash and Due from Banks 270,382,549.99 263,572,574.75 310,459,576.79 258,903,252.45 266,355,409.97 274,666,242.38 270,223,135.13 267,863,702.41 270,048,238.59 264,677,657.08 276,834,189.08 275,701,090.34  
  (2) Financial Assets, net (excl. equity investments) 194,931,186.92 209,491,529.90 220,683,271.06 202,110,884.44 201,747,587.25 221,008,393.62 208,154,778.16 193,117,066.37 184,000,692.15 155,010,858.02 167,114,682.36 147,548,688.27  
  Deposits 667,067,752.88 669,097,201.80 695,115,221.69 678,673,324.11 701,495,881.44 698,947,383.10 698,986,320.00 697,607,099.77 707,528,118.75 718,192,526.56 736,351,012.81 754,768,198.63  
  (3) Loans (gross) to Deposits 67.63 66.76 64.97 66.88 66.62 66.50 65.40 68.68 71.87 76.99 74.83 78.82  
  Loans (gross) 451,138,856.53 446,662,432.71 451,631,589.38 453,863,268.57 467,343,905.67 464,801,424.09 457,166,715.67 479,124,035.82 508,475,861.36 552,922,537.44 551,009,786.18 594,925,559.19  
  Deposits 667,067,752.88 669,097,201.80 695,115,221.69 678,673,324.11 701,495,881.44 698,947,383.10 698,986,320.00 697,607,099.77 707,528,118.75 718,192,526.56 736,351,012.81 754,768,198.63  
  SELECTED PROFITABILITY RATIOS  
  (1)  Return on Assets (ROA) 0.47 0.62 0.53 0.72  
  Annualized Net Profit or Loss  4,483,730.46 5,743,072.10 5,169,323.74 7,177,133.92  
  Average Assets 960,492,278.11 922,966,473.88 975,738,797.51 1,001,305,634.11  
  Total Assets (last year) 903,830,888.75 848,748,197.41 957,395,610.68 948,328,485.65  
  Total Assets (current year) 1,017,153,667.46 997,184,750.34 994,081,984.34 1,054,282,782.58  
  (2) Return on Equity (ROE) 3.25 4.11 3.22 5.30  
  Annualized Net Profit or Loss  4,483,730.46 5,743,072.10 5,169,323.74 7,177,133.92  
  Average Capital 138,102,892.49 139,671,514.68 160,482,800.51 135,461,452.86  
  Total Capital (last year) 139,509,219.98 138,435,088.73 180,743,923.08 131,332,896.15  
  Total Capital (current year) 136,696,565.01 140,907,940.62 140,221,677.93 139,590,009.57  
  (3) Earning Asset Yield 3.95 4.26 4.08 4.06  
  Annualized Interest Income 35,826,974.70 37,136,947.28 37,715,726.39 38,574,551.90  
  Average Earning Assets 908,112,601.94 872,482,752.73 924,703,279.75 949,248,608.42  
  Earning Assets (last year) 848,823,033.76 801,550,246.51 904,516,433.82 897,932,183.28  
  Earning Assets (current year) 967,402,170.11 943,415,258.94 944,890,125.67 1,000,565,033.56  
  (4) Funding Cost 0.85 0.87 0.85 0.84  
  Annualized Interest Expense 5,911,203.24 5,962,287.08 6,014,326.91 6,158,368.00  
  Average Interest Bearing Liabilities 698,205,769.67 686,474,251.21 710,370,620.37 732,109,328.17  
  Interest Bearing Liabilities (last year) 676,861,835.80 641,326,393.84 683,267,172.14 678,659,414.06  
  Interest Bearing Liabilities (current year) 719,549,703.55 731,622,108.59 737,474,068.59 785,559,242.28  
  (5) Interest Spread 3.10 3.39 3.23 3.22  
  (3) Earning Asset Yield 3.95 4.26 4.08 4.06  
  (4) Funding Cost 0.85 0.87 0.85 0.84  
  (6) Net Interest Margin 3.28 3.55 3.40 3.41  
  Annualized Net Interest Income 29,741,931.48 30,959,052.15 31,455,164.45 32,398,313.11  
  Average Earning Assets 908,112,601.94 872,482,752.73 924,703,279.75 949,248,608.42  
  (7) Cost to Income Ratio 71.75 70.48 68.68 71.76  
  Annualized Non-Interest Expenses 30,621,733.25 31,398,589.74 31,465,276.73 33,797,099.66  
  Annualized Total Operating Income 42,680,213.71 44,547,194.47 45,812,336.98 47,095,668.48  
  (8) Net Interest Income to Total Operating Income 69.69 69.50 68.66 68.79  
  Annualized Net Interest Income  29,741,931.48 30,959,052.15 31,455,164.45 32,398,313.11  
  Annualized Total Operating Income 42,680,213.71 44,547,194.47 45,812,336.98 47,095,668.48  
  (9) Non-interest Income to Total Operating Income 30.31 30.50 31.34 31.21  
  Annualized Non-Interest Income 12,938,282.22 13,588,142.32 14,357,172.53 14,697,355.37  
  Annualized Total Operating Income 42,680,213.71 44,547,194.47 45,812,336.98 47,095,668.48  
  CAPITAL ADEQUACY  
  Capital Adequacy Ratio - Solo 22.50 22.05 22.05 21.49p/  
  Capital Adequacy Ratio - Conso 22.38 22.01 22.14 21.52p/  
  Total Capital Accounts to Total Assets 14.00 14.17 13.44 14.35 14.22 14.13 14.44 14.51 14.11 13.79 13.35 13.24  
                             
Source : Supervisory Data Center, Supervision and Examination Sector, Bangko Sentral ng Pilipinas
Updated as of 7 August 2017