34 Selected Performance Indicators                          
                             
                             
  Commercial Bank Group                          
  as of end of periods indicated                          
  amounts in thousand Pesos, ratios in percent (%)                          
                             
   
  Selected Accounts Jan-18 Feb-18 Mar-18 Apr-18 May-18 Jun-18 Jul-18 Aug-18 Sep-18 Oct-18 Nov-18 Dec-18  
   
  ASSET QUALITY RATIOS:   
  Past Due Ratio 2.50 2.67 2.67 2.74 2.70 2.63 2.66 2.59 2.52 2.45 2.49 2.67  
  Past Due Loans 16,591,364.64 16,155,382.44 16,671,576.95 17,376,502.94 17,502,180.93 17,397,064.14 17,948,472.57 18,565,017.83 18,642,003.97 18,260,089.11 18,621,355.29 19,154,021.24  
  Total Loan Portfolio (TLP), gross  662,584,289.65 605,784,136.71 625,164,958.58 635,202,295.92 649,387,569.51 661,854,895.41 675,237,166.53 716,177,567.88 739,554,327.51 746,128,356.53 748,200,798.35 718,124,704.19  
  RL to TLP 0.50 0.55 0.53 0.52 0.49 0.47 0.44 0.41 0.39 0.38 0.37 0.42  
  Restructured Loans (RL), gross 3,330,242.76 3,309,128.06 3,287,819.58 3,283,897.02 3,177,809.05 3,141,528.75 2,948,055.68 2,925,607.72 2,880,449.81 2,862,870.10 2,741,653.57 3,028,650.91  
  TLP, gross  662,584,289.65 605,784,136.71 625,164,958.58 635,202,295.92 649,387,569.51 661,854,895.41 675,237,166.53 716,177,567.88 739,554,327.51 746,128,356.53 748,200,798.35 718,124,704.19  
  Loan Loss Reserves (LLR) to TLP 2.28 2.51 2.45 2.42 2.37 2.45 2.37 2.29 2.05 2.06 2.08 2.26  
  Allowance for Credit Losses (ACL) - TLP 15,103,313.59 15,183,317.82 15,313,116.73 15,382,519.20 15,412,401.66 16,244,778.56 16,013,009.01 16,367,913.43 15,186,298.82 15,397,047.14 15,583,835.17 16,244,692.48  
  TLP, gross  662,584,289.65 605,784,136.71 625,164,958.58 635,202,295.92 649,387,569.51 661,854,895.41 675,237,166.53 716,177,567.88 739,554,327.51 746,128,356.53 748,200,798.35 718,124,704.19  
  Gross NPL Ratio 1.47 1.68 1.63 1.62 1.62 1.60 1.53 1.48 1.39 1.42 1.43 1.49  
  Gross Non-Performing Loans (NPL) 9,745,952.69 10,154,566.60 10,186,137.57 10,314,672.15 10,529,261.32 10,595,145.91 10,299,340.62 10,579,002.99 10,303,530.59 10,595,607.02 10,719,204.46 10,697,542.93  
  TLP, gross  662,584,289.65 605,784,136.71 625,164,958.58 635,202,295.92 649,387,569.51 661,854,895.41 675,237,166.53 716,177,567.88 739,554,327.51 746,128,356.53 748,200,798.35 718,124,704.19  
  Gross NPL Ratio, net of IBL 1.60 1.79 1.73 1.73 1.72 1.70 1.59 1.59 1.49 1.53 1.54 1.60  
  Gross NPL, net of NP IBL 9,745,952.69 10,154,566.60 10,186,137.57 10,314,672.15 10,529,261.32 10,595,145.91 10,299,340.62 10,579,002.99 10,303,530.59 10,595,607.02 10,719,204.46 10,697,542.93  
  (1) Gross NPL 9,745,952.69 10,154,566.60 10,186,137.57 10,314,672.15 10,529,261.32 10,595,145.91 10,299,340.62 10,579,002.99 10,303,530.59 10,595,607.02 10,719,204.46 10,697,542.93  
  (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 610,239,909.99 567,051,926.42 589,402,320.37 595,507,434.83 612,518,649.54 622,949,610.02 649,113,528.36 666,241,023.61 692,952,974.38 690,704,327.36 695,194,039.06 666,688,098.88  
  (1) TLP, gross 662,584,289.65 605,784,136.71 625,164,958.58 635,202,295.92 649,387,569.51 661,854,895.41 675,237,166.53 716,177,567.88 739,554,327.51 746,128,356.53 748,200,798.35 718,124,704.19  
  (2) Interbank Loans Receivables (IBL) 52,344,379.66 38,732,210.29 35,762,638.21 39,694,861.09 36,868,919.97 38,905,285.40 26,123,638.18 49,936,544.27 46,601,353.12 55,424,029.17 53,006,759.30 51,436,605.31  
  Net NPL Ratio1/ 0.56 0.67 0.74 0.67 0.68 0.56 0.56 0.53 0.49 0.52 0.54 0.50  
  NPL, net of Specific ACL1/ 3,681,435.97 4,038,699.01 4,610,174.36 4,234,713.64 4,436,273.08 3,737,141.51 3,801,851.45 3,791,617.70 3,659,739.57 3,886,330.75 4,045,174.20 3,608,674.63  
  (1) Gross NPL 9,745,952.69 10,154,566.60 10,186,137.57 10,314,672.15 10,529,261.32 10,595,145.91 10,299,340.62 10,579,002.99 10,303,530.59 10,595,607.02 10,719,204.46 10,697,542.93  
  (2) Specific ACL 6,064,516.72 6,115,867.59 5,575,963.21 6,079,958.51 6,092,988.23 6,858,004.40 6,497,489.17 6,787,385.29 6,643,791.02 6,709,276.28 6,674,030.27 7,088,868.31  
  TLP, gross  662,584,289.65 605,784,136.71 625,164,958.58 635,202,295.92 649,387,569.51 661,854,895.41 675,237,166.53 716,177,567.88 739,554,327.51 746,128,356.53 748,200,798.35 718,124,704.19  
  NPL Coverage Ratio 154.97 149.52 150.33 149.13 146.38 153.32 155.48 154.72 147.39 145.32 145.38 151.85  
  ACL - TLP 15,103,313.59 15,183,317.82 15,313,116.73 15,382,519.20 15,412,401.66 16,244,778.56 16,013,009.01 16,367,913.43 15,186,298.82 15,397,047.14 15,583,835.17 16,244,692.48  
  Gross NPL 9,745,952.69 10,154,566.60 10,186,137.57 10,314,672.15 10,529,261.32 10,595,145.91 10,299,340.62 10,579,002.99 10,303,530.59 10,595,607.02 10,719,204.46 10,697,542.93  
  NPA to Gross Assets  1.61 1.64 1.68 1.67 1.65 1.66 1.58 1.53 1.54 1.51 1.55 1.55  
  Non-Performing Assets (NPA) 18,581,522.45 19,042,317.57 19,045,930.48 19,186,798.02 19,298,809.71 19,118,342.96 18,901,998.62 19,138,680.74 18,808,949.51 19,173,912.28 19,423,569.33 19,377,509.93  
  (1) Gross NPL 9,745,952.69 10,154,566.60 10,186,137.57 10,314,672.15 10,529,261.32 10,595,145.91 10,299,340.62 10,579,002.99 10,303,530.59 10,595,607.02 10,719,204.46 10,697,542.93  
  (2) ROPA, gross 8,835,569.76 8,887,750.96 8,859,792.91 8,872,125.87 8,769,548.40 8,523,197.05 8,602,658.00 8,559,677.75 8,505,418.92 8,578,305.25 8,704,364.87 8,679,967.00  
  (a) Real and Other Properties Acquired (ROPA) 8,375,718.48 8,427,111.65 8,408,894.14 8,414,224.42 8,328,184.86 8,081,023.01 8,140,627.82 8,083,048.86 8,060,898.42 8,124,413.21 8,238,221.17 8,187,833.84  
  (b) Non-Current Assets Held for Sale 54,759.62 54,759.62 54,759.62 54,759.62 54,759.62 54,759.62 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) 405,091.65 405,879.69 396,139.14 403,141.82 386,603.91 387,414.41 407,270.55 421,869.27 389,760.87 399,132.41 411,384.07 437,373.53  
  Gross Assets 1,156,687,671.13 1,159,952,848.52 1,134,513,443.01 1,146,390,323.96 1,168,117,195.00 1,154,544,918.54 1,199,416,662.29 1,249,545,622.92 1,219,322,924.48 1,266,234,416.29 1,253,562,931.15 1,248,661,839.77  
  (1) Total Assets 1,139,601,085.68 1,142,768,767.53 1,117,196,242.51 1,129,021,617.80 1,150,728,399.56 1,136,315,302.58 1,181,450,687.95 1,231,302,873.62 1,202,259,435.31 1,248,934,448.57 1,236,044,960.14 1,230,401,311.49  
  (2) Allowance on NPA 17,086,585.45 17,184,080.99 17,317,200.50 17,368,706.15 17,388,795.44 18,229,615.96 17,965,974.34 18,242,749.30 17,063,489.17 17,299,967.72 17,517,971.01 18,260,528.28  
  NPA Coverage Ratio 91.95 90.24 90.92 90.52 90.10 95.35 95.05 95.32 90.72 90.23 90.19 94.24  
  Allowance on NPA 17,086,585.45 17,184,080.99 17,317,200.50 17,368,706.15 17,388,795.44 18,229,615.96 17,965,974.34 18,242,749.30 17,063,489.17 17,299,967.72 17,517,971.01 18,260,528.28  
  NPA 18,581,522.45 19,042,317.57 19,045,930.48 19,186,798.02 19,298,809.71 19,118,342.96 18,901,998.62 19,138,680.74 18,808,949.51 19,173,912.28 19,423,569.33 19,377,509.93  
  Distressed Assets Ratio 2.95 3.30 3.19 3.15 3.09 3.00 2.91 2.78 2.64 2.68 2.69 2.84  
  Distressed Assets 19,846,165.02 20,296,282.31 20,282,743.00 20,275,890.46 20,348,942.95 20,148,980.70 19,933,193.19 20,169,742.51 19,754,694.37 20,211,521.28 20,410,697.97 20,690,130.84  
  NPA 18,581,522.45 19,042,317.57 19,045,930.48 19,186,798.02 19,298,809.71 19,118,342.96 18,901,998.62 19,138,680.74 18,808,949.51 19,173,912.28 19,423,569.33 19,377,509.93  
  RL, Performing 1,264,642.57 1,253,964.74 1,236,812.53 1,089,092.44 1,050,133.24 1,030,637.75 1,031,194.57 1,031,061.76 945,744.86 1,037,609.00 987,128.64 1,312,620.91  
  TLP, gross  662,584,289.65 605,784,136.71 625,164,958.58 635,202,295.92 649,387,569.51 661,854,895.41 675,237,166.53 716,177,567.88 739,554,327.51 746,128,356.53 748,200,798.35 718,124,704.19  
  Total ROPA 9,847,710.96 9,868,186.76 9,826,277.17 9,410,287.83 9,312,539.83 9,248,452.80 9,292,617.56 9,223,585.62 9,176,725.35 9,224,195.21 9,345,965.35 9,366,091.64  
  (1) ROPA, gross 8,835,569.76 8,887,750.96 8,859,792.91 8,872,125.87 8,769,548.40 8,523,197.05 8,602,658.00 8,559,677.75 8,505,418.92 8,578,305.25 8,704,364.87 8,679,967.00  
  (2) Performing SCR 1,012,141.20 980,435.80 966,484.27 538,161.96 542,991.43 725,255.75 689,959.56 663,907.86 671,306.43 645,889.96 641,600.48 686,124.65  
  LIQUIDITY RATIOS  
  (1) Cash and Due from Banks to Deposits 26.54 29.69 27.61 27.63 27.47 27.51 27.50 28.40 25.26 27.26 24.50 25.91  
  Cash and Due from Banks   222,113,388.79 243,946,438.15 225,735,581.68 222,903,120.43 226,188,908.60 221,218,055.68 229,317,368.01 241,673,865.05 212,792,264.69 239,751,944.69 212,903,369.39 218,250,682.04  
  Deposits 836,971,478.87 821,694,685.80 817,561,757.86 806,751,104.37 823,441,139.61 804,102,885.62 833,895,961.85 850,830,910.94 842,369,582.16 879,560,816.58 868,834,989.83 842,453,331.43  
  (2) Liquid Assets to Deposits Ratio 52.76 61.16 55.77 56.90 56.32 54.70 56.65 56.43 50.77 53.16 51.91 56.60  
  Liquid Assets, sum of: 441,571,593.40 502,526,382.10 455,940,124.14 459,057,553.57 463,737,636.53 439,817,155.84 472,438,291.19 480,111,447.73 427,635,098.96 467,550,888.61 450,971,500.16 476,794,322.11  
  (1) Cash and Due from Banks 222,113,388.79 243,946,438.15 225,735,581.68 222,903,120.43 226,188,908.60 221,218,055.68 229,317,368.01 241,673,865.05 212,792,264.69 239,751,944.69 212,903,369.39 218,250,682.04  
  (2) Financial Assets, net (excl. equity investments) 219,458,204.61 258,579,943.95 230,204,542.46 236,154,433.15 237,548,727.93 218,599,100.15 243,120,923.19 238,437,582.68 214,842,834.27 227,798,943.92 238,068,130.76 258,543,640.07  
  Deposits 836,971,478.87 821,694,685.80 817,561,757.86 806,751,104.37 823,441,139.61 804,102,885.62 833,895,961.85 850,830,910.94 842,369,582.16 879,560,816.58 868,834,989.83 842,453,331.43  
  (3) Loans (gross) to Deposits 79.16 73.72 76.47 78.74 78.86 82.31 80.97 84.17 87.79 84.83 86.12 85.24  
  Loans (gross) 662,584,289.65 605,784,136.71 625,164,958.58 635,202,295.92 649,387,569.51 661,854,895.41 675,237,166.53 716,177,567.88 739,554,327.51 746,128,356.53 748,200,798.35 718,124,704.19  
  Deposits 836,971,478.87 821,694,685.80 817,561,757.86 806,751,104.37 823,441,139.61 804,102,885.62 833,895,961.85 850,830,910.94 842,369,582.16 879,560,816.58 868,834,989.83 842,453,331.43  
  SELECTED PROFITABILITY RATIOS  
  (1)  Return on Assets (ROA) 0.99 0.87 0.84 0.80  
  Annualized Net Profit or Loss  10,873,687.08 9,739,005.74 9,571,692.26 9,327,893.52  
  Average Assets 1,093,421,923.36 1,117,792,373.45 1,145,694,642.08 1,165,123,463.23  
  Total Assets (last year) 1,069,647,604.21 1,099,269,444.32 1,089,129,848.85 1,099,845,614.98  
  Total Assets (current year) 1,117,196,242.51 1,136,315,302.58 1,202,259,435.31 1,230,401,311.49  
  (2) Return on Equity (ROE) 7.25 6.40 6.13 5.84  
  Annualized Net Profit or Loss  10,873,687.08 9,739,005.74 9,571,692.26 9,327,893.52  
  Average Capital 150,055,056.70 152,128,852.43 156,113,843.25 159,753,775.10  
  Total Capital (last year) 141,439,100.63 144,193,479.40 149,306,515.11 150,506,049.59  
  Total Capital (current year) 158,671,012.78 160,064,225.46 162,921,171.38 169,001,500.61  
  (3) Earning Asset Yield 4.50 4.61 4.75 5.04  
  Annualized Interest Income 47,120,688.90 49,402,317.78 52,272,023.47 56,389,108.15  
  Average Earning Assets 1,046,465,659.92 1,070,990,298.54 1,100,474,726.21 1,118,356,967.89  
  Earning Assets (last year) 1,022,893,015.37 1,051,729,577.49 1,044,962,460.15 1,054,913,026.23  
  Earning Assets (current year) 1,070,038,304.47 1,090,251,019.59 1,155,986,992.27 1,181,800,909.55  
  (4) Funding Cost 1.06 1.15 1.28 1.52  
  Annualized Interest Expense 8,725,866.30 9,674,522.90 10,978,599.43 13,323,892.20  
  Average Interest Bearing Liabilities 824,617,068.93 838,024,326.98 855,968,405.02 877,341,005.00  
  Interest Bearing Liabilities (last year) 801,885,961.08 825,308,965.95 811,364,613.55 839,696,392.55  
  Interest Bearing Liabilities (current year) 847,348,176.78 850,739,688.02 900,572,196.48 914,985,617.44  
  (5) Interest Spread 3.44 3.46 3.47 3.52  
  (3) Earning Asset Yield 4.50 4.61 4.75 5.04  
  (4) Funding Cost 1.06 1.15 1.28 1.52  
  (6) Net Interest Margin 3.64 3.62 3.65 3.75  
  Annualized Net Interest Income 38,109,239.86 38,734,518.44 40,219,034.40 41,893,988.65  
  Average Earning Assets 1,046,465,659.92 1,070,990,298.54 1,100,474,726.21 1,118,356,967.89  
  (7) Cost to Income Ratio 65.93 66.41 66.16 66.72  
  Annualized Non-Interest Expenses 36,440,566.03 37,056,353.94 37,778,611.75 39,316,982.36  
  Annualized Total Operating Income 55,268,712.93 55,803,016.18 57,098,044.41 58,929,289.83  
  (8) Net Interest Income to Total Operating Income 68.95 69.41 70.44 71.09  
  Annualized Net Interest Income  38,109,239.86 38,734,518.44 40,219,034.40 41,893,988.65  
  Annualized Total Operating Income 55,268,712.93 55,803,016.18 57,098,044.41 58,929,289.83  
  (9) Non-interest Income to Total Operating Income 31.05 30.59 29.56 28.91  
  Annualized Non-Interest Income 17,159,473.07 17,068,497.74 16,879,010.00 17,035,301.18  
  Annualized Total Operating Income 55,268,712.93 55,803,016.18 57,098,044.41 58,929,289.83  
  CAPITAL ADEQUACY  
  Capital Adequacy Ratio - Solo 21.29 20.46 19.88 20.07  
  Capital Adequacy Ratio - Conso 21.36 20.57 19.95 20.08  
  Total Capital Accounts to Total Assets 14.23 14.20 14.20 14.14 13.95 14.09 13.60 13.15 13.55 13.06 13.46 13.74  
                             
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, Financial Supervision Sector, Bangko Sentral ng Pilipinas
Updated as of 7 March 2019