43 Selected Performance Indicators                          
                             
                             
  Thrift 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 5.14 4.99 5.01 5.21 5.48 5.27 5.26 5.46 5.42 5.27 5.25 4.98  
  Past Due Loans 35,075,250.15 35,940,424.92 36,515,273.12 37,147,325.88 38,585,283.81 38,533,046.78 39,221,722.69 40,411,592.52 40,387,953.02 40,271,034.80 39,996,207.90 38,766,253.57  
  Total Loan Portfolio (TLP), gross  682,510,835.60 719,535,443.36 728,257,936.88 712,753,280.39 704,471,445.15 731,832,425.02 746,126,561.66 740,157,785.04 745,564,320.52 764,452,291.51 761,664,563.33 778,133,244.34  
  RL to TLP 0.59 0.59 0.60 0.60 0.59 0.56 0.56 0.74 0.71 0.71 0.72 0.58  
  Restructured Loans (RL), gross 4,046,800.81 4,280,487.30 4,341,840.92 4,288,346.17 4,144,896.12 4,126,840.55 4,214,289.40 5,456,226.92 5,262,710.84 5,433,698.94 5,457,360.79 4,516,631.47  
  TLP, gross  682,510,835.60 719,535,443.36 728,257,936.88 712,753,280.39 704,471,445.15 731,832,425.02 746,126,561.66 740,157,785.04 745,564,320.52 764,452,291.51 761,664,563.33 778,133,244.34  
  Loan Loss Reserves (LLR) to TLP 3.48 3.34 3.43 3.57 3.66 3.50 3.47 3.54 3.55 3.52 3.58 3.44  
  Allowance for Credit Losses (ACL) - TLP 23,738,148.23 24,018,181.87 25,001,217.38 25,432,744.85 25,810,410.46 25,617,213.29 25,901,623.92 26,186,391.45 26,439,534.27 26,872,595.00 27,270,100.77 26,774,557.86  
  TLP, gross  682,510,835.60 719,535,443.36 728,257,936.88 712,753,280.39 704,471,445.15 731,832,425.02 746,126,561.66 740,157,785.04 745,564,320.52 764,452,291.51 761,664,563.33 778,133,244.34  
  Gross NPL Ratio 4.85 4.64 4.72 4.96 5.11 4.94 4.92 5.07 5.02 4.93 4.85 4.71  
  Gross Non-Performing Loans (NPL) 33,104,080.48 33,354,938.80 34,346,050.59 35,321,115.14 36,032,799.46 36,158,010.02 36,728,401.59 37,555,298.10 37,413,672.69 37,669,650.43 36,931,500.49 36,653,914.61  
  TLP, gross  682,510,835.60 719,535,443.36 728,257,936.88 712,753,280.39 704,471,445.15 731,832,425.02 746,126,561.66 740,157,785.04 745,564,320.52 764,452,291.51 761,664,563.33 778,133,244.34  
  Gross NPL Ratio, net of IBL 4.85 4.62 4.70 4.94 5.09 4.92 4.90 5.05 5.00 4.91 4.83 4.71  
  Gross NPL, net of NP IBL 32,885,325.96 33,136,184.28 34,127,296.06 35,102,360.62 35,814,044.94 35,939,255.50 36,509,647.06 37,336,543.58 37,194,918.17 37,450,895.90 36,712,745.97 36,600,167.74  
  (1) Gross NPL 33,104,080.48 33,354,938.80 34,346,050.59 35,321,115.14 36,032,799.46 36,158,010.02 36,728,401.59 37,555,298.10 37,413,672.69 37,669,650.43 36,931,500.49 36,653,914.61  
  (2) Non-performing IBL 218,754.52 218,754.52 218,754.52 218,754.52 218,754.52 218,754.52 218,754.52 218,754.52 218,754.52 218,754.52 218,754.52 53,746.87  
  TLP, gross net of IBL 678,148,276.05 717,819,232.50 726,863,420.12 710,247,073.02 703,232,672.71 730,595,473.41 744,758,407.17 738,972,438.17 744,555,523.77 763,067,228.49 760,415,469.89 777,065,671.88  
  (1) TLP, gross 682,510,835.60 719,535,443.36 728,257,936.88 712,753,280.39 704,471,445.15 731,832,425.02 746,126,561.66 740,157,785.04 745,564,320.52 764,452,291.51 761,664,563.33 778,133,244.34  
  (2) Interbank Loans Receivables (IBL) 4,362,559.55 1,716,210.85 1,394,516.76 2,506,207.37 1,238,772.44 1,236,951.60 1,368,154.48 1,185,346.86 1,008,796.74 1,385,063.02 1,249,093.44 1,067,572.47  
  Net NPL Ratio 2.36 2.23 2.24 2.38 2.45 2.38 2.38 2.47 2.42 2.37 2.23 2.23  
  NPL, net of Specific ACL 16,103,968.79 16,041,823.76 16,287,711.17 16,939,214.56 17,282,941.39 17,388,109.45 17,727,686.41 18,306,792.42 18,049,238.06 18,103,041.74 16,992,371.87 17,339,939.65  
  (1) Gross NPL 33,104,080.48 33,354,938.80 34,346,050.59 35,321,115.14 36,032,799.46 36,158,010.02 36,728,401.59 37,555,298.10 37,413,672.69 37,669,650.43 36,931,500.49 36,653,914.61  
  (2) Specific ACL 17,000,111.69 17,313,115.04 18,058,339.41 18,381,900.58 18,749,858.07 18,769,900.58 19,000,715.17 19,248,505.68 19,364,434.63 19,566,608.69 19,939,128.62 19,313,974.96  
  TLP, gross  682,510,835.60 719,535,443.36 728,257,936.88 712,753,280.39 704,471,445.15 731,832,425.02 746,126,561.66 740,157,785.04 745,564,320.52 764,452,291.51 761,664,563.33 778,133,244.34  
  NPL Coverage Ratio 71.71 72.01 72.79 72.00 71.63 70.85 70.52 69.73 70.67 71.34 73.84 73.05  
  ACL - TLP 23,738,148.23 24,018,181.87 25,001,217.38 25,432,744.85 25,810,410.46 25,617,213.29 25,901,623.92 26,186,391.45 26,439,534.27 26,872,595.00 27,270,100.77 26,774,557.86  
  Gross NPL 33,104,080.48 33,354,938.80 34,346,050.59 35,321,115.14 36,032,799.46 36,158,010.02 36,728,401.59 37,555,298.10 37,413,672.69 37,669,650.43 36,931,500.49 36,653,914.61  
  NPA to Gross Assets  5.38 5.38 5.47 5.52 5.53 5.54 5.63 5.70 5.61 5.60 5.51 5.34  
  Non-Performing Assets (NPA) 55,577,602.66 56,001,378.14 57,060,803.64 57,950,495.91 57,844,298.59 58,324,157.72 59,251,940.83 60,168,419.87 60,001,282.92 60,206,959.58 59,683,619.61 59,265,848.83  
  (1) Gross NPL 33,104,080.48 33,354,938.80 34,346,050.59 35,321,115.14 36,032,799.46 36,158,010.02 36,728,401.59 37,555,298.10 37,413,672.69 37,669,650.43 36,931,500.49 36,653,914.61  
  (2) ROPA, gross 22,473,522.18 22,646,439.34 22,714,753.06 22,629,380.77 21,811,499.12 22,166,147.70 22,523,539.25 22,613,121.77 22,587,610.23 22,537,309.15 22,752,119.12 22,611,934.22  
  (a) Real and Other Properties Acquired (ROPA) 20,014,042.73 20,180,145.83 20,444,268.51 20,287,462.56 19,523,147.22 19,716,875.64 19,834,399.85 19,932,591.99 19,857,753.84 19,905,277.74 20,090,073.48 20,088,532.57  
  (b) Non-Current Assets Held for Sale 1,541,696.65 1,539,707.31 1,376,377.32 1,515,969.91 1,520,435.05 1,615,981.95 1,856,099.72 1,854,354.19 1,910,061.87 1,858,774.38 1,876,657.78 1,744,201.85  
  (c) Non-Performing Sales Contract Receivables (SCR) 917,782.79 926,586.21 894,107.22 825,948.30 767,916.86 833,290.12 833,039.68 826,175.59 819,794.52 773,257.03 785,387.86 779,199.80  
  Gross Assets 1,033,699,606.64 1,041,351,070.17 1,043,675,213.84 1,049,965,540.95 1,045,414,983.23 1,053,555,860.74 1,051,885,002.72 1,055,160,265.72 1,070,025,532.92 1,075,376,084.87 1,083,683,837.94 1,109,747,597.30  
  (1) Total Assets 1,004,737,953.72 1,011,977,115.41 1,013,335,457.37 1,019,217,546.84 1,014,344,021.75 1,022,665,097.21 1,020,689,026.33 1,023,648,971.31 1,038,220,602.78 1,043,169,974.46 1,051,041,897.22 1,077,544,007.73  
  (2) Allowance on NPA 28,961,652.92 29,373,954.76 30,339,756.47 30,747,994.11 31,070,961.47 30,890,763.53 31,195,976.38 31,511,294.41 31,804,930.14 32,206,110.41 32,641,940.72 32,203,589.56  
  NPA Coverage Ratio 52.11 52.45 53.17 53.06 53.71 52.96 52.65 52.37 53.01 53.49 54.69 54.34  
  Allowance on NPA 28,961,652.92 29,373,954.76 30,339,756.47 30,747,994.11 31,070,961.47 30,890,763.53 31,195,976.38 31,511,294.41 31,804,930.14 32,206,110.41 32,641,940.72 32,203,589.56  
  NPA 55,577,602.66 56,001,378.14 57,060,803.64 57,950,495.91 57,844,298.59 58,324,157.72 59,251,940.83 60,168,419.87 60,001,282.92 60,206,959.58 59,683,619.61 59,265,848.83  
  Distressed Assets Ratio 8.17 7.89 7.92 8.21 8.29 8.01 8.01 8.23 8.14 7.99 8.00 7.65  
  Distressed Assets 57,867,014.19 58,778,983.43 59,694,438.72 60,611,626.32 60,463,635.53 60,594,966.66 61,761,333.87 63,001,211.17 62,778,056.04 63,069,486.49 62,979,820.47 61,439,057.69  
  NPA 55,577,602.66 56,001,378.14 57,060,803.64 57,950,495.91 57,844,298.59 58,324,157.72 59,251,940.83 60,168,419.87 60,001,282.92 60,206,959.58 59,683,619.61 59,265,848.83  
  RL, Performing 2,289,411.54 2,777,605.28 2,633,635.07 2,661,130.40 2,619,336.94 2,270,808.94 2,509,393.03 2,832,791.30 2,776,773.12 2,862,526.92 3,296,200.85 2,173,208.86  
  TLP, gross  682,510,835.60 719,535,443.36 728,257,936.88 712,753,280.39 704,471,445.15 731,832,425.02 746,126,561.66 740,157,785.04 745,564,320.52 764,452,291.51 761,664,563.33 778,133,244.34  
  Total ROPA 25,402,719.42 25,485,249.93 25,515,021.87 25,501,794.21 24,649,970.62 24,870,808.12 25,221,959.82 25,345,722.02 25,248,109.21 25,233,847.12 25,426,178.95 25,355,405.22  
  (1) ROPA, gross 22,473,522.18 22,646,439.34 22,714,753.06 22,629,380.77 21,811,499.12 22,166,147.70 22,523,539.25 22,613,121.77 22,587,610.23 22,537,309.15 22,752,119.12 22,611,934.22  
  (2) Performing SCR 2,929,197.25 2,838,810.59 2,800,268.81 2,872,413.44 2,838,471.49 2,704,660.42 2,698,420.58 2,732,600.25 2,660,498.98 2,696,537.97 2,674,059.82 2,743,471.00  
  LIQUIDITY RATIOS  
  (1) Cash and Due from Banks to Deposits 22.21 18.94 18.54 21.07 21.74 18.46 17.18 18.65 19.02 17.27 17.96 18.26  
  Cash and Due from Banks   179,368,951.60 154,506,178.22 150,346,336.81 171,198,703.82 177,600,120.74 151,923,498.44 141,544,833.23 153,963,970.79 159,153,313.29 145,691,576.86 152,588,333.85 159,361,721.85  
  Deposits 807,448,999.67 815,708,380.12 811,051,911.75 812,656,003.01 816,900,199.05 822,933,236.95 823,813,064.96 825,546,044.19 836,918,743.10 843,585,048.81 849,504,836.98 872,869,148.06  
  (2) Liquid Assets to Deposits Ratio 35.09 31.07 30.64 33.24 33.56 30.90 28.86 29.88 30.58 28.60 29.66 29.83  
  Liquid Assets, sum of: 283,303,670.14 253,437,760.30 248,530,693.40 270,097,207.45 274,189,230.93 254,254,742.82 237,745,049.75 246,703,440.64 255,963,914.61 241,277,365.15 251,959,433.08 260,381,946.66  
  (1) Cash and Due from Banks 179,368,951.60 154,506,178.22 150,346,336.81 171,198,703.82 177,600,120.74 151,923,498.44 141,544,833.23 153,963,970.79 159,153,313.29 145,691,576.86 152,588,333.85 159,361,721.85  
  (2) Financial Assets, net (excl. equity investments) 103,934,718.54 98,931,582.08 98,184,356.59 98,898,503.63 96,589,110.19 102,331,244.38 96,200,216.51 92,739,469.85 96,810,601.32 95,585,788.29 99,371,099.23 101,020,224.81  
  Deposits 807,448,999.67 815,708,380.12 811,051,911.75 812,656,003.01 816,900,199.05 822,933,236.95 823,813,064.96 825,546,044.19 836,918,743.10 843,585,048.81 849,504,836.98 872,869,148.06  
  (3) Loans (gross) to Deposits 84.53 88.21 89.79 87.71 86.24 88.93 90.57 89.66 89.08 90.62 89.66 89.15  
  Loans (gross) 682,510,835.60 719,535,443.36 728,257,936.88 712,753,280.39 704,471,445.15 731,832,425.02 746,126,561.66 740,157,785.04 745,564,320.52 764,452,291.51 761,664,563.33 778,133,244.34  
  Deposits 807,448,999.67 815,708,380.12 811,051,911.75 812,656,003.01 816,900,199.05 822,933,236.95 823,813,064.96 825,546,044.19 836,918,743.10 843,585,048.81 849,504,836.98 872,869,148.06  
  SELECTED PROFITABILITY RATIOS  
  (1)  Return on Assets (ROA) 1.28 1.30 1.39 1.34  
  Annualized Net Profit or Loss  11,950,837.46 12,617,525.88 13,812,133.10 13,889,009.42  
  Average Assets 937,221,679.29 973,873,876.73 996,283,533.56 1,036,361,246.42  
  Total Assets (last year) 861,107,901.22 925,082,656.25 954,346,464.33 995,178,485.11  
  Total Assets (current year) 1,013,335,457.37 1,022,665,097.21 1,038,220,602.78 1,077,544,007.73  
  (2) Return on Equity (ROE) 9.83 10.14 10.86 10.52  
  Annualized Net Profit or Loss  11,950,837.46 12,617,525.88 13,812,133.10 13,889,009.42  
  Average Capital 121,564,382.82 124,461,545.00 127,186,403.36 131,999,067.42  
  Total Capital (last year) 113,064,763.04 120,858,463.79 121,821,014.12 128,111,211.94  
  Total Capital (current year) 130,064,002.60 128,064,626.21 132,551,792.60 135,886,922.89  
  (3) Earning Asset Yield 7.65 7.35 7.47 7.21  
  Annualized Interest Income 67,814,569.39 68,057,280.46 70,825,811.72 70,893,437.39  
  Average Earning Assets 886,351,617.46 925,914,164.96 947,516,637.05 983,053,862.24  
  Earning Assets (last year) 809,014,982.50 878,373,102.27 906,348,855.63 941,106,110.52  
  Earning Assets (current year) 963,688,252.43 973,455,227.65 988,684,418.46 1,025,001,613.96  
  (4) Funding Cost 2.12 2.02 2.05 1.95  
  Annualized Interest Expense 16,534,205.37 16,465,869.25 17,156,050.58 17,020,945.10  
  Average Interest Bearing Liabilities 781,190,273.64 815,364,912.41 837,403,262.91 872,796,640.47  
  Interest Bearing Liabilities (last year) 711,578,907.70 773,074,911.55 801,104,299.72 836,165,540.53  
  Interest Bearing Liabilities (current year) 850,801,639.57 857,654,913.28 873,702,226.10 909,427,740.42  
  (5) Interest Spread 5.53 5.33 5.43 5.26  
  (3) Earning Asset Yield 7.65 7.35 7.47 7.21  
  (4) Funding Cost 2.12 2.02 2.05 1.95  
  (6) Net Interest Margin 5.77 5.56 5.64 5.46  
  Annualized Net Interest Income 51,167,315.83 51,460,547.40 53,456,707.79 53,686,218.45  
  Average Earning Assets 886,351,617.46 925,914,164.96 947,516,637.05 983,053,862.24  
  (7) Cost to Income Ratio 65.94 65.24 63.82 63.58  
  Annualized Non-Interest Expenses 41,532,082.30 41,552,845.19 42,425,648.35 42,552,660.61  
  Annualized Total Operating Income 62,989,326.33 63,689,865.85 66,475,648.87 66,931,287.90  
  (8) Net Interest Income to Total Operating Income 81.23 80.80 80.42 80.21  
  Annualized Net Interest Income  51,167,315.83 51,460,547.40 53,456,707.79 53,686,218.45  
  Annualized Total Operating Income 62,989,326.33 63,689,865.85 66,475,648.87 66,931,287.90  
  (9) Non-interest Income to Total Operating Income 18.77 19.20 19.58 19.79  
  Annualized Non-Interest Income 11,822,010.50 12,229,318.46 13,018,941.09 13,245,069.44  
  Annualized Total Operating Income 62,989,326.33 63,689,865.85 66,475,648.87 66,931,287.90  
  CAPITAL ADEQUACY  
  Capital Adequacy Ratio - Solo 16.92 16.88 16.78p/ 16.83p/  
  Total Capital Accounts to Total Assets 12.85 12.85 12.91 12.94 13.00 12.59 12.74 12.94 12.84 12.88 12.78 12.68  
                             
Source : Supervisory Data Center, Supervision and Examination Sector, Bangko Sentral ng Pilipinas
Updated as of 7 August 2017