43 Selected Performance Indicators                          
                             
                             
  Thrift 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 5.30 5.48 5.35 5.46 5.45 5.32 5.29 5.33 5.40 5.38 5.52 5.14  
  Past Due Loans 41,935,048.23 42,621,090.90 42,380,190.22 42,965,523.44 43,665,567.51 42,639,675.93 43,152,781.82 43,667,530.71 44,517,779.30 45,653,438.33 46,412,382.95 44,189,042.67  
  Total Loan Portfolio (TLP), gross  791,119,968.98 777,754,227.61 792,147,338.87 787,318,915.47 801,554,372.80 802,117,517.44 816,393,923.90 819,487,367.27 825,099,839.07 848,746,207.05 841,283,071.89 860,303,631.22  
  RL to TLP 0.66 0.67 0.65 0.67 0.66 0.59 0.58 0.68 0.70 0.68 0.72 0.71  
  Restructured Loans (RL), gross 5,240,293.65 5,183,200.73 5,147,402.57 5,247,625.64 5,277,166.89 4,764,473.70 4,774,538.01 5,598,401.26 5,761,585.81 5,789,402.23 6,046,147.42 6,083,056.90  
  TLP, gross  791,119,968.98 777,754,227.61 792,147,338.87 787,318,915.47 801,554,372.80 802,117,517.44 816,393,923.90 819,487,367.27 825,099,839.07 848,746,207.05 841,283,071.89 860,303,631.22  
  Loan Loss Reserves (LLR) to TLP 3.43 3.57 3.52 3.58 3.55 3.46 3.45 3.44 3.42 3.33 3.39 3.13  
  Allowance for Credit Losses (ACL) - TLP 27,115,499.85 27,728,643.77 27,882,892.70 28,151,788.98 28,440,162.36 27,751,141.46 28,156,647.68 28,175,246.48 28,179,244.72 28,286,706.08 28,513,034.03 26,929,114.57  
  TLP, gross  791,119,968.98 777,754,227.61 792,147,338.87 787,318,915.47 801,554,372.80 802,117,517.44 816,393,923.90 819,487,367.27 825,099,839.07 848,746,207.05 841,283,071.89 860,303,631.22  
  Gross NPL Ratio 4.84 5.06 5.06 5.09 5.10 5.01 4.94 4.93 4.89 4.85 4.96 4.70  
  Gross Non-Performing Loans (NPL) 38,289,734.75 39,322,911.80 40,068,914.29 40,049,966.42 40,850,136.99 40,152,673.62 40,313,015.79 40,359,808.68 40,319,890.77 41,158,917.84 41,715,076.10 40,448,477.00  
  TLP, gross  791,119,968.98 777,754,227.61 792,147,338.87 787,318,915.47 801,554,372.80 802,117,517.44 816,393,923.90 819,487,367.27 825,099,839.07 848,746,207.05 841,283,071.89 860,303,631.22  
  Gross NPL Ratio, net of IBL 4.82 5.04 5.04 5.07 5.08 4.99 4.92 4.90 4.91 4.83 4.94 4.69  
  Gross NPL, net of NP IBL 38,071,212.88 39,104,389.93 39,850,392.42 39,831,444.55 40,631,615.12 39,934,151.75 40,094,493.92 40,141,286.81 40,101,368.91 40,940,395.98 41,496,554.23 40,230,947.77  
  (1) Gross NPL 38,289,734.75 39,322,911.80 40,068,914.29 40,049,966.42 40,850,136.99 40,152,673.62 40,313,015.79 40,359,808.68 40,319,890.77 41,158,917.84 41,715,076.10 40,448,477.00  
  (2) Non-performing IBL 218,521.87 218,521.87 218,521.87 218,521.87 218,521.87 218,521.87 218,521.87 218,521.87 218,521.87 218,521.87 218,521.87 217,529.23  
  TLP, gross net of IBL 790,179,014.66 776,536,561.98 790,986,484.67 785,633,643.41 800,291,086.14 800,363,999.12 815,354,025.02 818,978,984.94 816,418,535.77 848,195,828.39 840,317,968.14 858,224,013.07  
  (1) TLP, gross 791,119,968.98 777,754,227.61 792,147,338.87 787,318,915.47 801,554,372.80 802,117,517.44 816,393,923.90 819,487,367.27 825,099,839.07 848,746,207.05 841,283,071.89 860,303,631.22  
  (2) Interbank Loans Receivables (IBL) 940,954.33 1,217,665.63 1,160,854.21 1,685,272.05 1,263,286.65 1,753,518.32 1,039,898.88 508,382.33 8,681,303.31 550,378.66 965,103.75 2,079,618.15  
  Net NPL Ratio1/ 2.37 2.50 2.54 2.55 2.58 2.57 2.48 2.48 2.88 2.88 2.94 2.88  
  NPL, net of Specific ACL1/ 18,731,850.00 19,443,450.03 20,104,385.90 20,061,708.98 20,694,913.98 20,578,465.72 20,226,816.83 20,348,784.09 23,772,912.46 24,438,196.84 24,740,767.36 24,795,161.08  
  (1) Gross NPL 38,289,734.75 39,322,911.80 40,068,914.29 40,049,966.42 40,850,136.99 40,152,673.62 40,313,015.79 40,359,808.68 40,319,890.77 41,158,917.84 41,715,076.10 40,448,477.00  
  (2) Specific ACL 19,557,884.76 19,879,461.77 19,964,528.39 19,988,257.45 20,155,223.01 19,574,207.90 20,086,198.96 20,011,024.59 16,546,978.31 16,720,721.01 16,974,308.74 15,653,315.92  
  TLP, gross  791,119,968.98 777,754,227.61 792,147,338.87 787,318,915.47 801,554,372.80 802,117,517.44 816,393,923.90 819,487,367.27 825,099,839.07 848,746,207.05 841,283,071.89 860,303,631.22  
  NPL Coverage Ratio 70.82 70.52 69.59 70.29 69.62 69.11 69.85 69.81 69.89 68.73 68.35 66.58  
  ACL - TLP 27,115,499.85 27,728,643.77 27,882,892.70 28,151,788.98 28,440,162.36 27,751,141.46 28,156,647.68 28,175,246.48 28,179,244.72 28,286,706.08 28,513,034.03 26,929,114.57  
  Gross NPL 38,289,734.75 39,322,911.80 40,068,914.29 40,049,966.42 40,850,136.99 40,152,673.62 40,313,015.79 40,359,808.68 40,319,890.77 41,158,917.84 41,715,076.10 40,448,477.00  
  NPA to Gross Assets  5.48 5.57 5.56 5.57 5.55 5.22 5.23 5.25 5.32 5.29 5.37 5.21  
  Non-Performing Assets (NPA) 61,191,386.66 62,504,450.44 63,197,080.95 63,294,493.03 63,920,131.84 61,016,466.00 61,432,062.50 61,573,123.46 61,824,741.89 62,737,348.43 63,499,205.88 62,486,361.58  
  (1) Gross NPL 38,289,734.75 39,322,911.80 40,068,914.29 40,049,966.42 40,850,136.99 40,152,673.62 40,313,015.79 40,359,808.68 40,319,890.77 41,158,917.84 41,715,076.10 40,448,477.00  
  (2) ROPA, gross 22,901,651.90 23,181,538.65 23,128,166.66 23,244,526.60 23,069,994.85 20,863,792.38 21,119,046.72 21,213,314.78 21,504,851.12 21,578,430.58 21,784,129.78 22,037,884.58  
  (a) Real and Other Properties Acquired (ROPA) 20,357,458.75 20,691,893.84 18,907,610.68 18,925,240.08 18,967,329.50 18,560,575.88 18,894,501.21 18,651,246.48 18,948,063.30 18,833,973.71 18,921,192.32 18,975,088.00  
  (b) Non-Current Assets Held for Sale 1,773,070.12 1,731,184.22 3,489,703.18 3,596,016.68 3,447,995.58 1,625,449.98 1,582,427.88 1,909,776.78 1,930,085.13 2,121,964.12 2,154,307.59 2,332,972.95  
  (c) Non-Performing Sales Contract Receivables (SCR) 771,123.03 758,460.58 730,852.80 723,269.85 654,669.77 677,766.52 642,117.63 652,291.52 626,702.69 622,492.75 708,629.87 729,823.63  
  Gross Assets 1,116,685,819.67 1,121,550,475.94 1,137,447,577.23 1,136,513,920.72 1,151,174,668.47 1,169,510,957.33 1,174,207,056.70 1,172,082,418.73 1,162,292,786.09 1,185,068,644.92 1,181,703,983.12 1,199,893,476.44  
  (1) Total Assets 1,083,999,751.58 1,088,226,006.66 1,103,963,084.62 1,102,717,902.84 1,117,205,793.88 1,136,979,266.17 1,141,263,414.70 1,139,109,325.87 1,129,336,428.14 1,151,905,093.10 1,148,263,054.57 1,168,194,662.47  
  (2) Allowance on NPA 32,686,068.09 33,324,469.28 33,484,492.61 33,796,017.88 33,968,874.60 32,531,691.16 32,943,642.01 32,973,092.85 32,956,357.95 33,163,551.82 33,440,928.55 31,698,813.98  
  NPA Coverage Ratio 53.42 53.32 52.98 53.39 53.14 53.32 53.63 53.55 53.31 52.86 52.66 50.73  
  Allowance on NPA 32,686,068.09 33,324,469.28 33,484,492.61 33,796,017.88 33,968,874.60 32,531,691.16 32,943,642.01 32,973,092.85 32,956,357.95 33,163,551.82 33,440,928.55 31,698,813.98  
  NPA 61,191,386.66 62,504,450.44 63,197,080.95 63,294,493.03 63,920,131.84 61,016,466.00 61,432,062.50 61,573,123.46 61,824,741.89 62,737,348.43 63,499,205.88 62,486,361.58  
  Distressed Assets Ratio 7.84 8.10 8.05 8.11 8.02 7.62 7.54 7.66 7.72 7.58 7.80 7.51  
  Distressed Assets 64,003,961.38 65,099,335.96 65,836,850.60 65,942,406.45 66,387,350.24 62,948,674.28 63,370,084.17 64,645,554.33 65,615,930.59 66,253,633.34 67,604,815.09 66,452,298.53  
  NPA 61,191,386.66 62,504,450.44 63,197,080.95 63,294,493.03 63,920,131.84 61,016,466.00 61,432,062.50 61,573,123.46 61,824,741.89 62,737,348.43 63,499,205.88 62,486,361.58  
  RL, Performing 2,812,574.72 2,594,885.52 2,639,769.65 2,647,913.42 2,467,218.39 1,932,208.29 1,938,021.67 3,072,430.87 3,791,188.70 3,516,284.91 4,105,609.22 3,965,936.96  
  TLP, gross  791,119,968.98 777,754,227.61 792,147,338.87 787,318,915.47 801,554,372.80 802,117,517.44 816,393,923.90 819,487,367.27 825,099,839.07 848,746,207.05 841,283,071.89 860,303,631.22  
  Total ROPA 25,653,890.66 25,928,792.70 25,926,028.78 26,046,637.11 25,889,455.60 24,131,692.12 24,325,313.03 24,521,986.39 24,847,035.10 24,942,003.74 25,092,547.25 24,803,346.45  
  (1) ROPA, gross 22,901,651.90 23,181,538.65 23,128,166.66 23,244,526.60 23,069,994.85 20,863,792.38 21,119,046.72 21,213,314.78 21,504,851.12 21,578,430.58 21,784,129.78 22,037,884.58  
  (2) Performing SCR 2,752,238.76 2,747,254.05 2,797,862.12 2,802,110.50 2,819,460.75 3,267,899.75 3,206,266.31 3,308,671.61 3,342,183.99 3,363,573.16 3,308,417.47 2,765,461.87  
  LIQUIDITY RATIOS  
  (1) Cash and Due from Banks to Deposits 17.45 19.03 18.91 18.62 18.75 20.12 18.87 18.46 16.84 16.22 16.92 15.87  
  Cash and Due from Banks   153,603,291.13 168,834,138.44 170,198,072.43 168,176,194.68 171,590,893.38 187,999,961.79 176,160,631.53 171,602,266.20 154,684,147.26 152,730,781.15 158,583,448.76 150,061,567.31  
  Deposits 880,434,232.90 886,985,005.68 900,147,193.69 903,285,027.00 915,139,338.19 934,208,691.19 933,485,098.56 929,437,275.66 918,647,001.35 941,450,861.92 936,994,783.37 945,430,785.30  
  (2) Liquid Assets to Deposits Ratio 28.77 30.61 30.37 30.51 30.31 31.79 30.71 30.30 28.84 28.10 28.61 28.16  
  Liquid Assets, sum of: 253,343,141.10 271,512,931.67 273,412,803.94 275,569,370.67 277,388,633.01 296,957,842.42 286,644,268.96 281,642,711.39 264,921,891.29 264,578,420.67 268,077,694.38 266,227,204.53  
  (1) Cash and Due from Banks 153,603,291.13 168,834,138.44 170,198,072.43 168,176,194.68 171,590,893.38 187,999,961.79 176,160,631.53 171,602,266.20 154,684,147.26 152,730,781.15 158,583,448.76 150,061,567.31  
  (2) Financial Assets, net (excl. equity investments) 99,739,849.97 102,678,793.22 103,214,731.51 107,393,175.99 105,797,739.63 108,957,880.64 110,483,637.43 110,040,445.19 110,237,744.03 111,847,639.52 109,494,245.62 116,165,637.22  
  Deposits 880,434,232.90 886,985,005.68 900,147,193.69 903,285,027.00 915,139,338.19 934,208,691.19 933,485,098.56 929,437,275.66 918,647,001.35 941,450,861.92 936,994,783.37 945,430,785.30  
  (3) Loans (gross) to Deposits 89.86 87.69 88.00 87.16 87.59 85.86 87.46 88.17 89.82 90.15 89.79 91.00  
  Loans (gross) 791,119,968.98 777,754,227.61 792,147,338.87 787,318,915.47 801,554,372.80 802,117,517.44 816,393,923.90 819,487,367.27 825,099,839.07 848,746,207.05 841,283,071.89 860,303,631.22  
  Deposits 880,434,232.90 886,985,005.68 900,147,193.69 903,285,027.00 915,139,338.19 934,208,691.19 933,485,098.56 929,437,275.66 918,647,001.35 941,450,861.92 936,994,783.37 945,430,785.30  
  SELECTED PROFITABILITY RATIOS  
  (1)  Return on Assets (ROA) 1.39 1.42 1.45 1.60  
  Annualized Net Profit or Loss  14,701,521.94 15,304,068.20 15,687,044.93 17,938,887.10  
  Average Assets 1,058,649,271.00 1,079,822,181.69 1,083,778,515.46 1,122,869,335.10  
  Total Assets (last year) 1,013,335,457.37 1,022,665,097.21 1,038,220,602.78 1,077,544,007.73  
  Total Assets (current year) 1,103,963,084.62 1,136,979,266.17 1,129,336,428.14 1,168,194,662.47  
  (2) Return on Equity (ROE) 10.89 11.36 11.28 12.70  
  Annualized Net Profit or Loss  14,701,521.94 15,304,068.20 15,687,044.93 17,938,887.10  
  Average Capital 135,045,336.44 134,695,917.81 139,130,233.76 141,249,647.88  
  Total Capital (last year) 130,064,002.60 128,064,626.21 132,551,792.60 135,886,922.89  
  Total Capital (current year) 140,026,670.28 141,327,209.42 145,708,674.92 146,612,372.87  
  (3) Earning Asset Yield 7.16 7.13 7.25 7.22  
  Annualized Interest Income 72,177,555.08 73,404,571.78 74,964,262.74 77,176,459.42  
  Average Earning Assets 1,008,573,709.85 1,030,062,070.26 1,033,309,235.07 1,068,642,455.92  
  Earning Assets (last year) 963,688,252.43 973,455,227.65 988,684,418.46 1,025,001,613.96  
  Earning Assets (current year) 1,053,459,167.27 1,086,668,912.88 1,077,934,051.69 1,112,283,297.88  
  (4) Funding Cost 1.92 1.91 1.94 1.92  
  Annualized Interest Expense 17,094,347.67 17,330,177.13 17,712,559.11 18,210,825.62  
  Average Interest Bearing Liabilities 889,745,959.90 908,367,373.10 910,871,417.09 946,367,768.16  
  Interest Bearing Liabilities (last year) 850,801,639.57 857,654,913.28 873,702,226.10 909,427,740.42  
  Interest Bearing Liabilities (current year) 928,690,280.22 959,079,832.92 948,040,608.09 983,307,795.89  
  (5) Interest Spread 5.24 5.22 5.31 5.30  
  (3) Earning Asset Yield 7.16 7.13 7.25 7.22  
  (4) Funding Cost 1.92 1.91 1.94 1.92  
  (6) Net Interest Margin 5.43 5.42 5.52 5.51  
  Annualized Net Interest Income 54,807,428.48 55,855,717.05 57,019,234.50 58,865,571.40  
  Average Earning Assets 1,008,573,709.85 1,030,062,070.26 1,033,309,235.07 1,068,642,455.92  
  (7) Cost to Income Ratio 63.23 63.16 63.80 62.71  
  Annualized Non-Interest Expenses 43,234,493.00 44,061,218.91 45,162,871.30 45,650,147.57  
  Annualized Total Operating Income 68,376,048.92 69,761,152.52 70,783,017.25 72,797,502.44  
  (8) Net Interest Income to Total Operating Income 80.16 80.07 80.55 80.86  
  Annualized Net Interest Income  54,807,428.48 55,855,717.05 57,019,234.50 58,865,571.40  
  Annualized Total Operating Income 68,376,048.92 69,761,152.52 70,783,017.25 72,797,502.44  
  (9) Non-interest Income to Total Operating Income 19.84 19.93 19.45 19.14  
  Annualized Non-Interest Income 13,568,620.44 13,905,435.47 13,763,782.75 13,931,931.04  
  Annualized Total Operating Income 68,376,048.92 69,761,152.52 70,783,017.25 72,797,502.44  
  CAPITAL ADEQUACY  
  Capital Adequacy Ratio - Solo 16.90 16.87 16.71 16.54  
  Total Capital Accounts to Total Assets 12.76 12.83 12.75 12.75 12.74 12.50 12.60 12.75 12.97 12.79 12.90 12.62  
                             
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