7 Selected Performance Indicators                          
                             
                             
  Philippine Banking System                          
  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 2.44 2.50 2.47 2.52 2.55 2.45 2.48 2.48 2.43 2.38 2.34 2.14  
  Past Due Loans 157,614,887.50 160,991,642.85 161,014,544.58 165,655,968.37 170,573,561.34 166,551,152.34 168,545,745.89 170,638,015.36 170,612,907.23 171,218,962.01 173,159,434.06 162,672,445.04  
  Total Loan Portfolio (TLP), gross  6,455,754,035.97 6,451,513,023.16 6,510,732,145.27 6,583,781,402.45 6,692,864,662.28 6,798,233,449.19 6,794,589,131.06 6,886,507,964.84 7,018,199,572.94 7,185,701,719.50 7,400,496,934.25 7,612,119,106.81  
  RL to TLP 0.53 0.53 0.52 0.51 0.49 0.51 0.51 0.53 0.52 0.51 0.50 0.49  
  Restructured Loans (RL), gross 34,356,472.59 34,221,500.70 33,704,386.60 33,480,320.27 32,988,374.91 34,598,322.46 34,498,805.28 36,830,963.98 36,582,550.30 36,952,089.99 37,213,394.83 37,643,726.28  
  TLP, gross  6,455,754,035.97 6,451,513,023.16 6,510,732,145.27 6,583,781,402.45 6,692,864,662.28 6,798,233,449.19 6,794,589,131.06 6,886,507,964.84 7,018,199,572.94 7,185,701,719.50 7,400,496,934.25 7,612,119,106.81  
  Loan Loss Reserves (LLR) to TLP 2.53 2.54 2.52 2.50 2.48 2.45 2.47 2.44 2.43 2.37 2.32 2.27  
  Allowance for Credit Losses (ACL) - TLP 163,316,184.59 163,727,155.03 163,932,615.27 164,469,093.42 165,741,951.28 166,503,708.53 167,537,522.96 168,311,611.51 170,402,805.42 170,426,614.73 171,976,027.95 172,826,193.23  
  TLP, gross  6,455,754,035.97 6,451,513,023.16 6,510,732,145.27 6,583,781,402.45 6,692,864,662.28 6,798,233,449.19 6,794,589,131.06 6,886,507,964.84 7,018,199,572.94 7,185,701,719.50 7,400,496,934.25 7,612,119,106.81  
  Gross NPL Ratio 2.19 2.23 2.24 2.21 2.23 2.19 2.19 2.18 2.14 2.09 2.03 1.89  
  Gross Non-Performing Loans (NPL) 141,233,348.57 143,741,545.90 145,673,213.20 145,824,062.19 149,053,081.04 148,829,323.05 149,114,027.57 150,254,909.33 150,191,921.80 150,474,220.59 150,018,703.95 144,157,941.02  
  TLP, gross  6,455,754,035.97 6,451,513,023.16 6,510,732,145.27 6,583,781,402.45 6,692,864,662.28 6,798,233,449.19 6,794,589,131.06 6,886,507,964.84 7,018,199,572.94 7,185,701,719.50 7,400,496,934.25 7,612,119,106.81  
  Gross NPL Ratio, net of IBL 2.25 2.28 2.29 2.27 2.27 2.24 2.24 2.23 2.19 2.15 2.09 1.95  
  Gross NPL, net of NP IBL 140,416,662.54 142,924,727.88 144,856,307.60 145,013,859.66 147,840,238.32 147,617,092.60 147,902,719.35 149,044,022.30 148,959,552.53 149,243,092.00 148,782,965.43 143,101,655.28  
  (1) Gross NPL 141,233,348.57 143,741,545.90 145,673,213.20 145,824,062.19 149,053,081.04 148,829,323.05 149,114,027.57 150,254,909.33 150,191,921.80 150,474,220.59 150,018,703.95 144,157,941.02  
  (2) Non-performing IBL 816,686.02 816,818.02 816,905.60 810,202.53 1,212,842.72 1,212,230.44 1,211,308.22 1,210,887.03 1,232,369.27 1,231,128.59 1,235,738.52 1,056,285.73  
  TLP, gross net of IBL 6,237,902,076.87 6,267,544,911.04 6,313,553,866.92 6,383,697,961.16 6,502,178,973.45 6,591,837,441.03 6,609,744,551.76 6,680,582,461.61 6,801,394,635.53 6,952,772,285.84 7,111,478,921.91 7,345,586,311.98  
  (1) TLP, gross 6,455,754,035.97 6,451,513,023.16 6,510,732,145.27 6,583,781,402.45 6,692,864,662.28 6,798,233,449.19 6,794,589,131.06 6,886,507,964.84 7,018,199,572.94 7,185,701,719.50 7,400,496,934.25 7,612,119,106.81  
  (2) Interbank Loans Receivables (IBL) 217,851,959.10 183,968,112.12 197,178,278.34 200,083,441.28 190,685,688.83 206,396,008.16 184,844,579.30 205,925,503.23 216,804,937.41 232,929,433.65 289,018,012.34 266,532,794.84  
  Net NPL Ratio 0.70 0.75 0.78 0.78 0.80 0.79 0.76 0.77 0.74 0.55 0.67 0.57  
  NPL, net of Specific ACL 45,407,491.51 48,452,221.67 51,093,567.39 51,606,683.40 53,793,747.98 53,653,157.50 51,430,484.88 52,758,873.64 51,605,031.38 39,430,947.22 49,473,928.53 43,282,646.69  
  (1) Gross NPL 141,233,348.57 143,741,545.90 145,673,213.20 145,824,062.19 149,053,081.04 148,829,323.05 149,114,027.57 150,254,909.33 150,191,921.80 150,474,220.59 150,018,703.95 144,157,941.02  
  (2) Specific ACL 95,825,857.06 95,289,324.23 94,579,645.80 94,217,378.79 95,259,333.05 95,176,165.54 97,683,542.69 97,496,035.69 98,586,890.42 111,043,273.37 100,544,775.43 100,875,294.33  
  TLP, gross  6,455,754,035.97 6,451,513,023.16 6,510,732,145.27 6,583,781,402.45 6,692,864,662.28 6,798,233,449.19 6,794,589,131.06 6,886,507,964.84 7,018,199,572.94 7,185,701,719.50 7,400,496,934.25 7,612,119,106.81  
  NPL Coverage Ratio 115.64 113.90 112.53 112.79 111.20 111.88 112.36 112.02 113.46 113.26 114.64 119.89  
  ACL - TLP 163,316,184.59 163,727,155.03 163,932,615.27 164,469,093.42 165,741,951.28 166,503,708.53 167,537,522.96 168,311,611.51 170,402,805.42 170,426,614.73 171,976,027.95 172,826,193.23  
  Gross NPL 141,233,348.57 143,741,545.90 145,673,213.20 145,824,062.19 149,053,081.04 148,829,323.05 149,114,027.57 150,254,909.33 150,191,921.80 150,474,220.59 150,018,703.95 144,157,941.02  
  NPA to Gross Assets  2.09 2.09 2.08 2.08 2.09 2.05 2.06 2.06 2.02 2.00 1.96 1.85  
  Non-Performing Assets (NPA) 254,255,826.43 256,845,849.16 258,548,418.37 258,441,859.35 260,916,193.09 260,711,706.62 261,259,744.82 262,793,097.61 262,717,731.36 262,610,606.18 261,547,129.31 254,795,413.93  
  (1) Gross NPL 141,233,348.57 143,741,545.90 145,673,213.20 145,824,062.19 149,053,081.04 148,829,323.05 149,114,027.57 150,254,909.33 150,191,921.80 150,474,220.59 150,018,703.95 144,157,941.02  
  (2) ROPA, gross 113,022,477.86 113,104,303.26 112,875,205.18 112,617,797.16 111,863,112.06 111,882,383.57 112,145,717.25 112,538,188.28 112,525,864.73 112,136,440.76 111,528,480.53 110,637,595.69  
  (a) Real and Other Properties Acquired (ROPA) 103,516,474.03 103,674,664.35 103,651,185.82 103,345,844.18 102,927,145.91 102,964,506.57 103,269,742.67 103,758,864.43 103,296,012.23 103,033,595.25 102,265,824.28 101,668,217.19  
  (b) Non-Current Assets Held for Sale 3,218,204.24 3,091,963.66 3,005,235.73 3,180,340.30 3,208,504.95 3,191,736.49 3,449,506.69 3,427,932.67 3,921,355.66 3,924,022.46 4,034,076.16 3,721,008.85  
  (c) Non-Performing Sales Contract Receivables (SCR) 6,287,799.60 6,337,675.24 6,218,783.63 6,091,612.68 5,727,461.20 5,726,140.52 5,426,467.89 5,351,391.17 5,308,496.85 5,178,823.05 5,228,580.10 5,248,369.66  
  Gross Assets 12,173,312,917.09 12,283,980,615.04 12,401,457,444.70 12,430,936,595.67 12,498,714,794.65 12,744,846,724.67 12,671,529,466.69 12,732,849,378.75 13,002,242,787.16 13,102,955,056.09 13,363,205,501.12 13,796,213,869.00  
  (1) Total Assets 11,978,148,494.28 12,088,159,447.76 12,205,468,367.81 12,234,376,577.08 12,300,666,945.29 12,545,762,602.14 12,471,262,869.41 12,531,726,139.17 12,799,197,636.06 12,899,896,776.04 13,158,744,630.70 13,591,202,502.39  
  (2) Allowance on NPA 195,164,422.81 195,821,167.28 195,989,076.89 196,560,018.59 198,047,849.36 199,084,122.53 200,266,597.27 201,123,239.58 203,045,151.10 203,058,280.05 204,460,870.42 205,011,366.61  
  NPA Coverage Ratio 76.76 76.24 75.80 76.06 75.90 76.36 76.65 76.53 77.29 77.32 78.17 80.46  
  Allowance on NPA 195,164,422.81 195,821,167.28 195,989,076.89 196,560,018.59 198,047,849.36 199,084,122.53 200,266,597.27 201,123,239.58 203,045,151.10 203,058,280.05 204,460,870.42 205,011,366.61  
  NPA 254,255,826.43 256,845,849.16 258,548,418.37 258,441,859.35 260,916,193.09 260,711,706.62 261,259,744.82 262,793,097.61 262,717,731.36 262,610,606.18 261,547,129.31 254,795,413.93  
  Distressed Assets Ratio 4.12 4.16 4.13 4.09 4.05 4.00 4.01 3.98 3.92 3.83 3.72 3.54  
  Distressed Assets 271,262,341.75 273,727,273.44 274,382,562.39 274,486,234.59 276,381,798.83 276,654,724.99 277,204,376.95 279,301,847.95 279,783,914.53 279,909,113.88 279,699,881.36 274,013,646.07  
  NPA 254,255,826.43 256,845,849.16 258,548,418.37 258,441,859.35 260,916,193.09 260,711,706.62 261,259,744.82 262,793,097.61 262,717,731.36 262,610,606.18 261,547,129.31 254,795,413.93  
  RL, Performing 17,006,515.33 16,881,424.28 15,834,144.02 16,044,375.24 15,465,605.74 15,943,018.37 15,944,632.13 16,508,750.34 17,066,183.17 17,298,507.70 18,152,752.05 19,218,232.15  
  TLP, gross  6,455,754,035.97 6,451,513,023.16 6,510,732,145.27 6,583,781,402.45 6,692,864,662.28 6,798,233,449.19 6,794,589,131.06 6,886,507,964.84 7,018,199,572.94 7,185,701,719.50 7,400,496,934.25 7,612,119,106.81  
  Total ROPA 126,157,153.00 125,985,467.38 125,608,425.85 125,390,711.99 124,836,007.12 124,691,444.11 124,654,665.00 124,969,224.89 124,703,735.85 124,588,109.39 123,963,577.95 124,021,368.65  
  (1) ROPA, gross 113,022,477.86 113,104,303.26 112,875,205.18 112,617,797.16 111,863,112.06 111,882,383.57 112,145,717.25 112,538,188.28 112,525,864.73 112,136,440.76 111,528,480.53 110,637,595.69  
  (2) Performing SCR 13,134,675.14 12,881,164.12 12,733,220.68 12,772,914.83 12,972,895.06 12,809,060.53 12,508,947.76 12,431,036.61 12,177,871.12 12,451,668.63 12,435,097.42 13,383,772.96  
  LIQUIDITY RATIOS  
  (1) Cash and Due from Banks to Deposits 26.15 26.85 27.21 26.25 26.13 26.80 25.66 25.85 26.05 25.68 25.16 26.32  
  Cash and Due from Banks   2,407,851,097.45 2,491,628,495.35 2,560,733,980.45 2,480,420,005.16 2,488,375,724.24 2,586,970,623.90 2,481,799,265.16 2,499,743,253.36 2,557,719,477.01 2,529,428,727.37 2,541,100,545.24 2,765,736,729.02  
  Deposits 9,207,573,186.57 9,278,107,210.01 9,410,044,991.20 9,447,762,039.97 9,524,276,736.67 9,652,595,105.71 9,672,536,294.54 9,668,383,060.42 9,819,697,632.25 9,851,302,741.68 10,098,912,170.85 10,506,561,705.60  
  (2) Liquid Assets to Deposits Ratio 53.12 53.46 53.89 53.04 52.26 53.05 51.97 51.83 52.42 51.47 50.63 50.74  
  Liquid Assets, sum of: 4,891,035,097.31 4,959,702,241.31 5,071,094,952.02 5,011,330,739.01 4,977,016,902.77 5,120,319,801.07 5,026,793,633.13 5,011,321,304.76 5,147,782,615.23 5,070,531,389.54 5,113,416,074.10 5,330,670,980.85  
  (1) Cash and Due from Banks 2,407,851,097.45 2,491,628,495.35 2,560,733,980.45 2,480,420,005.16 2,488,375,724.24 2,586,970,623.90 2,481,799,265.16 2,499,743,253.36 2,557,719,477.01 2,529,428,727.37 2,541,100,545.24 2,765,736,729.02  
  (2) Financial Assets, net (excl. equity investments) 2,483,183,999.87 2,468,073,745.96 2,510,360,971.57 2,530,910,733.85 2,488,641,178.53 2,533,349,177.17 2,544,994,367.96 2,511,578,051.40 2,590,063,138.22 2,541,102,662.18 2,572,315,528.86 2,564,934,251.84  
  Deposits 9,207,573,186.57 9,278,107,210.01 9,410,044,991.20 9,447,762,039.97 9,524,276,736.67 9,652,595,105.71 9,672,536,294.54 9,668,383,060.42 9,819,697,632.25 9,851,302,741.68 10,098,912,170.85 10,506,561,705.60  
  (3) Loans (gross) to Deposits 70.11 69.53 69.19 69.69 70.27 70.43 70.25 71.23 71.47 72.92 73.26 72.45  
  Loans (gross) 6,455,754,035.97 6,451,513,023.16 6,510,732,145.27 6,583,781,402.45 6,692,864,662.28 6,798,233,449.19 6,794,589,131.06 6,886,507,964.84 7,018,199,572.94 7,183,777,811.74 7,398,573,026.49 7,612,119,106.81  
  Deposits 9,207,573,186.57 9,278,107,210.01 9,410,044,991.20 9,447,762,039.97 9,524,276,736.67 9,652,595,105.71 9,672,536,294.54 9,668,383,060.42 9,819,697,632.25 9,851,302,741.68 10,098,912,170.85 10,506,561,705.60  
  SELECTED PROFITABILITY RATIOS  
  (1)  Return on Assets (ROA) 1.18 1.22 1.25 1.20  
  Annualized Net Profit or Loss  137,449,061.36 145,054,791.45 152,120,420.77 154,310,182.74  
  Average Assets 11,619,964,814.83 11,861,004,298.10 12,172,689,302.93 12,840,173,071.19  
  Total Assets (last year) 11,034,461,261.85 11,176,245,994.07 11,546,180,969.81 12,089,143,639.98  
  Total Assets (current year) 12,205,468,367.81 12,545,762,602.14 12,799,197,636.06 13,591,202,502.39  
  (2) Return on Equity (ROE) 9.74 9.84 10.03 10.46  
  Annualized Net Profit or Loss  137,449,061.36 145,054,791.45 152,120,420.77 154,310,182.74  
  Average Capital 1,410,683,885.94 1,474,582,985.50 1,516,371,733.96 1,475,829,431.39  
  Total Capital (last year) 1,367,177,983.60 1,425,497,506.67 1,480,308,456.24 1,403,567,978.96  
  Total Capital (current year) 1,454,189,788.28 1,523,668,464.34 1,552,435,011.67 1,548,090,883.82  
  (3) Earning Asset Yield 4.33 4.33 4.32 4.17  
  Annualized Interest Income 465,043,246.80 477,610,874.80 488,364,326.57 498,078,456.29  
  Average Earning Assets 10,747,554,022.82 11,018,813,011.45 11,313,791,578.77 11,934,453,885.93  
  Earning Assets (last year) 10,166,763,894.77 10,373,179,982.84 10,709,239,622.72 11,195,184,262.96  
  Earning Assets (current year) 11,328,344,150.87 11,664,446,040.06 11,918,343,534.82 12,673,723,508.89  
  (4) Funding Cost 1.10 1.10 1.09 1.04  
  Annualized Interest Expense 105,868,554.34 108,236,554.42 110,202,952.48 111,864,678.06  
  Average Interest Bearing Liabilities 9,636,613,618.14 9,854,256,308.69 10,106,886,987.27 10,769,447,597.25  
  Interest Bearing Liabilities (last year) 9,133,342,781.33 9,254,593,576.06 9,526,052,571.93 10,100,070,458.70  
  Interest Bearing Liabilities (current year) 10,139,884,454.95 10,453,919,041.33 10,687,721,402.61 11,438,824,735.80  
  (5) Interest Spread 3.23 3.24 3.23 3.13  
  (3) Earning Asset Yield 4.33 4.33 4.32 4.17  
  (4) Funding Cost 1.10 1.10 1.09 1.04  
  (6) Net Interest Margin 3.34 3.35 3.34 3.23  
  Annualized Net Interest Income 358,861,313.01 368,927,655.44 377,674,861.38 385,958,801.88  
  Average Earning Assets 10,747,554,022.82 11,018,813,011.45 11,313,791,578.77 11,934,453,885.93  
  (7) Cost to Income Ratio 64.69 64.62 64.30 63.62  
  Annualized Non-Interest Expenses 314,136,751.31 324,444,927.17 333,905,483.98 340,400,570.80  
  Annualized Total Operating Income 485,586,482.10 502,067,207.13 519,315,935.01 535,033,775.79  
  (8) Net Interest Income to Total Operating Income 73.90 73.48 72.73 72.14  
  Annualized Net Interest Income  358,861,313.01 368,927,655.44 377,674,861.38 385,958,801.88  
  Annualized Total Operating Income 485,586,482.10 502,067,207.13 519,315,935.01 535,033,775.79  
  (9) Non-interest Income to Total Operating Income 26.10 26.52 27.27 27.86  
  Annualized Non-Interest Income 126,725,169.09 133,139,551.69 141,641,073.63 149,074,973.91  
  Annualized Total Operating Income 485,586,482.10 502,067,207.13 519,315,935.01 535,033,775.79  
  CAPITAL ADEQUACY  
  Capital Adequacy Ratio - Solo 15.27 15.57 15.59p/ 14.69p/  
  Total Capital Accounts to Total Assets 11.87 11.84 11.92 12.24 12.25 12.15 12.36 12.37 12.14 12.05 11.69 11.40  
                             
p/ Preliminary
Source : Supervisory Data Center, Supervision and Examination Sector, Bangko Sentral ng Pilipinas
Updated as of 7 August 2017