34 Selected Performance Indicators                          
                             
                             
  Commercial Bank Group                          
  as of end of periods indicated                          
  amounts in thousand Pesos, ratios in percent (%)                          
                             
   
  Selected Accounts Jan-17 Feb-17 Mar-17 Apr-17 May-17 Jun-17 Jul-17 Aug-17 Sep-17 Oct-17 Nov-17 Dec-17  
   
  ASSET QUALITY RATIOS:   
  Past Due Ratio 2.70 2.55 2.50 2.41 2.61 2.48 2.69 2.61 2.59 2.80 2.72 2.46  
  Past Due Loans 15,244,674.46 14,644,496.21 14,458,351.73 14,499,283.17 15,469,827.75 14,943,095.36 15,332,496.40 15,310,069.71 15,594,373.80 16,244,753.78 16,395,322.58 15,767,649.91  
  Total Loan Portfolio (TLP), gross  565,343,419.92 574,304,980.46 578,607,505.41 602,095,959.46 593,002,920.75 602,268,614.63 570,321,549.03 586,416,276.28 602,590,251.68 580,064,829.23 602,223,573.20 640,047,438.47  
  RL to TLP 0.64 0.62 0.61 0.58 0.58 0.57 0.60 0.58 0.56 0.57 0.56 0.54  
  Restructured Loans (RL), gross 3,640,748.02 3,539,129.35 3,525,001.57 3,474,081.55 3,454,595.28 3,434,964.84 3,414,659.00 3,388,026.63 3,361,869.11 3,329,288.01 3,357,687.59 3,453,962.24  
  TLP, gross  565,343,419.92 574,304,980.46 578,607,505.41 602,095,959.46 593,002,920.75 602,268,614.63 570,321,549.03 586,416,276.28 602,590,251.68 580,064,829.23 602,223,573.20 640,047,438.47  
  Loan Loss Reserves (LLR) to TLP 2.61 2.52 2.52 2.40 2.44 2.32 2.47 2.43 2.35 2.45 2.37 2.27  
  Allowance for Credit Losses (ACL) - TLP 14,742,389.27 14,455,822.88 14,552,015.97 14,446,874.73 14,480,451.51 13,976,201.91 14,094,168.07 14,257,614.94 14,167,037.91 14,189,245.51 14,287,436.75 14,524,031.21  
  TLP, gross  565,343,419.92 574,304,980.46 578,607,505.41 602,095,959.46 593,002,920.75 602,268,614.63 570,321,549.03 586,416,276.28 602,590,251.68 580,064,829.23 602,223,573.20 640,047,438.47  
  Gross NPL Ratio 1.77 1.70 1.69 1.61 1.74 1.62 1.72 1.69 1.64 1.71 1.67 1.52  
  Gross Non-Performing Loans (NPL) 10,029,818.98 9,762,885.75 9,762,594.21 9,711,608.40 10,305,625.39 9,745,759.49 9,803,377.09 9,913,558.62 9,910,008.61 9,937,959.42 10,067,806.07 9,699,862.14  
  TLP, gross  565,343,419.92 574,304,980.46 578,607,505.41 602,095,959.46 593,002,920.75 602,268,614.63 570,321,549.03 586,416,276.28 602,590,251.68 580,064,829.23 602,223,573.20 640,047,438.47  
  Gross NPL Ratio, net of IBL 1.89 1.78 1.78 1.71 1.81 1.69 1.77 1.74 1.75 1.79 1.76 1.66  
  Gross NPL, net of NP IBL 10,029,818.98 9,762,885.75 9,762,594.21 9,711,608.40 10,305,625.39 9,745,759.49 9,803,377.09 9,913,558.62 9,910,008.61 9,937,959.42 10,067,806.07 9,699,862.14  
  (1) Gross NPL 10,029,818.98 9,762,885.75 9,762,594.21 9,711,608.40 10,305,625.39 9,745,759.49 9,803,377.09 9,913,558.62 9,910,008.61 9,937,959.42 10,067,806.07 9,699,862.14  
  (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 529,458,563.88 546,968,296.74 548,374,252.03 568,913,308.11 568,791,041.95 575,685,877.77 553,547,757.96 569,260,712.25 567,228,283.99 555,869,057.62 571,238,430.52 585,164,686.17  
  (1) TLP, gross 565,343,419.92 574,304,980.46 578,607,505.41 602,095,959.46 593,002,920.75 602,268,614.63 570,321,549.03 586,416,276.28 602,590,251.68 580,064,829.23 602,223,573.20 640,047,438.47  
  (2) Interbank Loans Receivables (IBL) 35,884,856.03 27,336,683.73 30,233,253.38 33,182,651.36 24,211,878.80 26,582,736.85 16,773,791.07 17,155,564.03 35,361,967.69 24,195,771.61 30,985,142.68 54,882,752.30  
  Net NPL Ratio1/ 0.08 0.06 0.08 0.09 0.18 0.18 0.19 0.19 0.55 0.58 0.58 0.56  
  NPL, net of Specific ACL1/ 448,325.55 333,272.72 454,833.98 562,644.27 1,088,015.01 1,055,661.42 1,076,067.86 1,101,871.34 3,332,728.98 3,392,634.57 3,520,507.67 3,594,736.33  
  (1) Gross NPL 10,029,818.98 9,762,885.75 9,762,594.21 9,711,608.40 10,305,625.39 9,745,759.49 9,803,377.09 9,913,558.62 9,910,008.61 9,937,959.42 10,067,806.07 9,699,862.14  
  (2) Specific ACL 9,581,493.43 9,429,613.03 9,307,760.22 9,148,964.12 9,217,610.38 8,690,098.07 8,727,309.23 8,811,687.28 6,577,279.63 6,545,324.85 6,547,298.40 6,105,125.81  
  TLP, gross  565,343,419.92 574,304,980.46 578,607,505.41 602,095,959.46 593,002,920.75 602,268,614.63 570,321,549.03 586,416,276.28 602,590,251.68 580,064,829.23 602,223,573.20 640,047,438.47  
  NPL Coverage Ratio 146.99 148.07 149.06 148.76 140.51 143.41 143.77 143.82 142.96 142.78 141.91 149.73  
  ACL - TLP 14,742,389.27 14,455,822.88 14,552,015.97 14,446,874.73 14,480,451.51 13,976,201.91 14,094,168.07 14,257,614.94 14,167,037.91 14,189,245.51 14,287,436.75 14,524,031.21  
  Gross NPL 10,029,818.98 9,762,885.75 9,762,594.21 9,711,608.40 10,305,625.39 9,745,759.49 9,803,377.09 9,913,558.62 9,910,008.61 9,937,959.42 10,067,806.07 9,699,862.14  
  NPA to Gross Assets  1.79 1.80 1.76 1.74 1.84 1.70 1.72 1.70 1.73 1.71 1.70 1.64  
  Non-Performing Assets (NPA) 19,360,202.11 19,089,599.00 19,109,753.88 18,974,642.69 19,557,026.71 18,934,497.15 19,030,235.57 19,122,200.01 19,149,564.66 19,215,502.29 19,293,259.05 18,334,530.44  
  (1) Gross NPL 10,029,818.98 9,762,885.75 9,762,594.21 9,711,608.40 10,305,625.39 9,745,759.49 9,803,377.09 9,913,558.62 9,910,008.61 9,937,959.42 10,067,806.07 9,699,862.14  
  (2) ROPA, gross 9,330,383.12 9,326,713.25 9,347,159.67 9,263,034.30 9,251,401.32 9,188,737.66 9,226,858.49 9,208,641.39 9,239,556.05 9,277,542.87 9,225,452.98 8,634,668.30  
  (a) Real and Other Properties Acquired (ROPA) 9,002,454.05 9,004,594.32 9,029,864.74 8,951,069.21 8,945,539.87 8,910,991.49 8,952,420.69 8,945,971.60 8,967,903.19 8,993,887.60 8,926,163.46 8,362,613.61  
  (b) Non-Current Assets Held for Sale 61,063.14 61,063.14 61,063.14 61,063.14 58,603.05 58,603.05 54,759.62 54,759.62 54,759.62 54,759.62 54,759.62 54,759.62  
  (c) Non-Performing Sales Contract Receivables (SCR) 266,865.94 261,055.80 256,231.79 250,901.95 247,258.39 219,143.11 219,678.18 207,910.16 216,893.23 228,895.65 244,529.89 217,295.07  
  Gross Assets 1,082,718,586.62 1,058,477,453.78 1,086,466,473.46 1,090,735,092.27 1,065,170,387.57 1,115,499,192.07 1,104,552,763.66 1,124,310,473.97 1,105,597,482.68 1,120,580,439.23 1,131,677,803.64 1,116,345,763.86  
  (1) Total Assets 1,065,756,940.32 1,041,787,878.58 1,069,647,604.21 1,074,055,982.94 1,048,439,483.62 1,099,269,444.32 1,088,189,877.18 1,107,762,598.54 1,089,129,848.85 1,104,065,098.19 1,115,054,635.74 1,099,845,614.98  
  (2) Allowance on NPA 16,961,646.30 16,689,575.20 16,818,869.24 16,679,109.33 16,730,903.95 16,229,747.75 16,362,886.48 16,547,875.43 16,467,633.83 16,515,341.04 16,623,167.89 16,500,148.88  
  NPA Coverage Ratio 87.61 87.43 88.01 87.90 85.55 85.72 85.98 86.54 85.99 85.95 86.16 89.99  
  Allowance on NPA 16,961,646.30 16,689,575.20 16,818,869.24 16,679,109.33 16,730,903.95 16,229,747.75 16,362,886.48 16,547,875.43 16,467,633.83 16,515,341.04 16,623,167.89 16,500,148.88  
  NPA 19,360,202.11 19,089,599.00 19,109,753.88 18,974,642.69 19,557,026.71 18,934,497.15 19,030,235.57 19,122,200.01 19,149,564.66 19,215,502.29 19,293,259.05 18,334,530.44  
  Distressed Assets Ratio 3.64 3.53 3.48 3.33 3.47 3.32 3.51 3.44 3.33 3.47 3.36 3.02  
  Distressed Assets 20,924,571.81 20,648,889.29 20,512,050.80 20,355,533.36 20,929,899.48 20,318,503.65 20,387,477.27 20,520,056.88 20,419,591.09 20,464,806.50 20,581,787.39 19,649,076.27  
  NPA 19,360,202.11 19,089,599.00 19,109,753.88 18,974,642.69 19,557,026.71 18,934,497.15 19,030,235.57 19,122,200.01 19,149,564.66 19,215,502.29 19,293,259.05 18,334,530.44  
  RL, Performing 1,564,369.70 1,559,290.29 1,402,296.92 1,380,890.67 1,372,872.78 1,384,006.50 1,357,241.70 1,397,856.87 1,270,026.43 1,249,304.21 1,288,528.34 1,314,545.83  
  TLP, gross  565,343,419.92 574,304,980.46 578,607,505.41 602,095,959.46 593,002,920.75 602,268,614.63 570,321,549.03 586,416,276.28 602,590,251.68 580,064,829.23 602,223,573.20 640,047,438.47  
  Total ROPA 10,055,074.83 10,039,190.16 10,055,771.18 9,916,690.05 9,894,304.51 9,854,509.52 9,879,464.19 9,864,919.26 9,881,011.14 9,886,805.89 9,834,978.35 9,884,741.73  
  (1) ROPA, gross 9,330,383.12 9,326,713.25 9,347,159.67 9,263,034.30 9,251,401.32 9,188,737.66 9,226,858.49 9,208,641.39 9,239,556.05 9,277,542.87 9,225,452.98 8,634,668.30  
  (2) Performing SCR 724,691.71 712,476.91 708,611.51 653,655.75 642,903.19 665,771.86 652,605.70 656,277.87 641,455.09 609,263.01 609,525.37 1,250,073.42  
  LIQUIDITY RATIOS  
  (1) Cash and Due from Banks to Deposits 38.73 36.57 38.11 34.53 34.80 35.72 35.28 34.31 36.06 35.42 33.66 31.43  
  Cash and Due from Banks   291,586,217.74 276,805,091.64 295,413,207.57 263,892,143.06 262,273,444.99 281,338,242.57 276,706,323.84 270,899,046.10 281,380,446.48 282,196,441.14 276,678,307.64 253,212,402.93  
  Deposits 752,925,613.88 756,927,505.49 775,098,889.57 764,321,899.34 753,664,911.71 787,525,829.98 784,402,136.19 789,555,722.74 780,418,532.52 796,736,465.64 822,086,465.77 805,553,253.45  
  (2) Liquid Assets to Deposits Ratio 61.44 56.96 58.77 56.54 55.84 58.57 61.44 61.57 57.95 61.39 58.20 52.78  
  Liquid Assets, sum of: 462,620,265.85 431,182,589.99 455,495,284.98 432,125,870.64 420,850,830.31 461,241,637.48 481,973,016.48 486,159,683.61 452,223,603.66 489,146,486.53 478,468,420.17 425,205,967.12  
  (1) Cash and Due from Banks 291,586,217.74 276,805,091.64 295,413,207.57 263,892,143.06 262,273,444.99 281,338,242.57 276,706,323.84 270,899,046.10 281,380,446.48 282,196,441.14 276,678,307.64 253,212,402.93  
  (2) Financial Assets, net (excl. equity investments) 171,034,048.10 154,377,498.34 160,082,077.40 168,233,727.58 158,577,385.32 179,903,394.91 205,266,692.64 215,260,637.51 170,843,157.17 206,950,045.39 201,790,112.53 171,993,564.19  
  Deposits 752,925,613.88 756,927,505.49 775,098,889.57 764,321,899.34 753,664,911.71 787,525,829.98 784,402,136.19 789,555,722.74 780,418,532.52 796,736,465.64 822,086,465.77 805,553,253.45  
  (3) Loans (gross) to Deposits 75.09 75.87 74.65 78.78 78.68 76.48 72.71 74.27 77.21 72.81 73.26 79.45  
  Loans (gross) 565,343,419.92 574,304,980.46 578,607,505.41 602,095,959.46 593,002,920.75 602,268,614.63 570,321,549.03 586,416,276.28 602,590,251.68 580,064,829.23 602,223,573.20 640,047,438.47  
  Deposits 752,925,613.88 756,927,505.49 775,098,889.57 764,321,899.34 753,664,911.71 787,525,829.98 784,402,136.19 789,555,722.74 780,418,532.52 796,736,465.64 822,086,465.77 805,553,253.45  
  SELECTED PROFITABILITY RATIOS  
  (1)  Return on Assets (ROA) 0.74 0.81 0.95 0.80  
  Annualized Net Profit or Loss  7,677,100.40 8,440,883.51 9,849,667.81 8,604,048.27  
  Average Assets 1,043,400,635.84 1,048,227,097.33 1,041,605,916.60 1,077,064,198.78  
  Total Assets (last year) 1,017,153,667.46 997,184,750.34 994,081,984.34 1,054,282,782.58  
  Total Assets (current year) 1,069,647,604.21 1,099,269,444.32 1,089,129,848.85 1,099,845,614.98  
  (2) Return on Equity (ROE) 5.52 5.92 6.80 5.93  
  Annualized Net Profit or Loss  7,677,100.40 8,440,883.51 9,849,667.81 8,604,048.27  
  Average Capital 139,067,832.82 142,550,710.01 144,764,096.52 145,048,029.58  
  Total Capital (last year) 136,696,565.01 140,907,940.62 140,221,677.93 139,590,009.57  
  Total Capital (current year) 141,439,100.63 144,193,479.40 149,306,515.11 150,506,049.59  
  (3) Earning Asset Yield 3.99 4.13 4.35 4.42  
  Annualized Interest Income 39,749,761.98 41,226,891.72 43,257,090.39 45,375,705.51  
  Average Earning Assets 995,147,592.74 997,572,418.22 994,926,292.91 1,027,739,029.89  
  Earning Assets (last year) 967,402,170.11 943,415,258.94 944,890,125.67 1,000,565,033.56  
  Earning Assets (current year) 1,022,893,015.37 1,051,729,577.49 1,044,962,460.15 1,054,913,026.23  
  (4) Funding Cost 0.83 0.86 0.95 0.98  
  Annualized Interest Expense 6,332,686.54 6,727,308.29 7,348,357.06 7,991,959.30  
  Average Interest Bearing Liabilities 760,717,832.32 778,465,537.27 774,419,341.07 812,627,817.42  
  Interest Bearing Liabilities (last year) 719,549,703.55 731,622,108.59 737,474,068.59 785,559,242.28  
  Interest Bearing Liabilities (current year) 801,885,961.08 825,308,965.95 811,364,613.55 839,696,392.55  
  (5) Interest Spread 3.16 3.27 3.40 3.43  
  (3) Earning Asset Yield 3.99 4.13 4.35 4.42  
  (4) Funding Cost 0.83 0.86 0.95 0.98  
  (6) Net Interest Margin 3.36 3.45 3.61 3.61  
  Annualized Net Interest Income 33,418,283.58 34,464,722.02 35,937,331.57 37,124,451.38  
  Average Earning Assets 995,147,592.74 997,572,418.22 994,926,292.91 1,027,739,029.89  
  (7) Cost to Income Ratio 70.95 70.73 70.69 68.63  
  Annualized Non-Interest Expenses 34,296,433.78 34,844,743.49 35,495,518.20 35,855,914.96  
  Annualized Total Operating Income 48,335,633.64 49,267,598.54 50,210,070.85 52,247,269.36  
  (8) Net Interest Income to Total Operating Income 69.14 69.95 71.57 71.06  
  Annualized Net Interest Income  33,418,283.58 34,464,722.02 35,937,331.57 37,124,451.38  
  Annualized Total Operating Income 48,335,633.64 49,267,598.54 50,210,070.85 52,247,269.36  
  (9) Non-interest Income to Total Operating Income 30.86 30.05 28.43 28.94  
  Annualized Non-Interest Income 14,917,350.06 14,802,876.51 14,272,739.28 15,122,817.97  
  Annualized Total Operating Income 48,335,633.64 49,267,598.54 50,210,070.85 52,247,269.36  
  CAPITAL ADEQUACY  
  Capital Adequacy Ratio - Solo 21.09 21.03 20.96 20.62  
  Capital Adequacy Ratio - Conso 21.26 21.17 21.04 20.63  
  Total Capital Accounts to Total Assets 13.21 13.59 13.22 13.27 13.70 13.12 13.27 13.30 13.71 13.56 13.44 13.68  
                             
1/ Starting September 2017, Net NPLs refer to gross NPLs less specific allowance for credit losses on NPLs per BSP Circular No. 941
Source : Supervisory Data Center, Supervision and Examination Sector, Bangko Sentral ng Pilipinas
Updated as of 17 April 2018