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12 |
BALANCE
SHEET AND KEY RATIOS |
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| Universal and Commercial Banking System |
| as of end of periods indicated |
| in billion pesos |
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Jan-12 |
Feb-12 |
Mar-12 |
Apr-12 |
May-12 |
Jun-12 |
Jul-12 |
Aug-12 |
Sep-12 |
Oct-12 |
Nov-12 |
Dec-12 |
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Selected Accounts |
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Asset Accounts 1/ |
6,370.371 |
6,489.071 |
6,378.368 |
6,475.065 |
6,470.617 |
6,599.670 |
6,636.346 |
6,578.035 |
6,765.181 |
6,793.391 |
6,999.183 |
7,193.817 |
| |
Cash and Due from Banks |
1,139.324 |
1,166.713 |
1,040.393 |
1,092.687 |
1,055.390 |
1,093.736 |
1,115.346 |
1,118.769 |
1,236.604 |
1,138.200 |
1,268.939 |
1,331.580 |
| |
|
Financial Assets,
excluding Equity Investment in Subsidiaries/Associates/ Joint Ventures, net
of amortization |
1,585.080 |
1,620.667 |
1,647.680 |
1,631.927 |
1,673.491 |
1,628.348 |
1,627.542 |
1,582.971 |
1,612.691 |
1,689.361 |
1,688.073 |
1,723.701 |
| |
|
|
Financial Assets Held for Trading (HFT) |
188.234 |
214.106 |
180.728 |
203.335 |
227.636 |
205.990 |
229.184 |
204.243 |
234.596 |
278.946 |
273.414 |
263.509 |
| |
|
|
Financial Assets
Designated at Fair Value through Profit or Loss (DFVPL) - Debt Securities |
9.368 |
9.345 |
7.330 |
7.212 |
7.419 |
9.458 |
9.403 |
4.687 |
10.703 |
10.646 |
8.324 |
8.329 |
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|
Available for Sale (AFS) Financial Assets, net
of amortization |
818.992 |
844.058 |
898.412 |
870.569 |
888.645 |
879.165 |
856.703 |
843.646 |
834.953 |
888.708 |
906.906 |
955.976 |
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|
|
|
AFS Debt Securities |
779.242 |
802.301 |
855.650 |
827.625 |
840.629 |
829.864 |
810.934 |
797.796 |
781.684 |
836.811 |
854.770 |
900.918 |
| |
|
|
|
Unamortized Discount/Premium |
28.832 |
30.846 |
32.359 |
32.598 |
34.996 |
36.294 |
32.783 |
32.140 |
34.162 |
35.701 |
35.762 |
38.443 |
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|
|
|
AFS Debt Securities, net of amortization |
808.074 |
833.147 |
888.010 |
860.223 |
875.626 |
866.158 |
843.718 |
829.935 |
815.846 |
872.513 |
890.532 |
939.361 |
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|
|
|
AFS Equity Securities |
10.918 |
10.911 |
10.403 |
10.346 |
13.019 |
13.007 |
12.985 |
13.711 |
19.107 |
16.195 |
16.375 |
16.615 |
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|
Held-to-Maturity (HTM) Financial Assets |
409.525 |
394.385 |
399.498 |
390.419 |
388.407 |
376.801 |
374.200 |
374.897 |
379.300 |
359.108 |
348.764 |
347.862 |
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Unamortized Discount/Premium |
4.322 |
4.474 |
4.851 |
4.783 |
5.502 |
5.288 |
4.892 |
4.844 |
6.520 |
6.348 |
6.199 |
6.868 |
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HTM Financial Assets, net of amortization |
413.847 |
398.859 |
404.349 |
395.202 |
393.909 |
382.089 |
379.092 |
379.742 |
385.820 |
365.456 |
354.962 |
354.730 |
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Unquoted Debt Securities Classified as Loans |
156.376 |
155.766 |
158.116 |
156.493 |
156.806 |
152.061 |
154.074 |
151.419 |
146.987 |
145.588 |
144.153 |
140.703 |
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Unamortized Discount/Premium |
(22.486) |
(22.196) |
(22.007) |
(21.516) |
(21.869) |
(21.116) |
(21.497) |
(21.324) |
(20.911) |
(20.490) |
(20.154) |
(20.007) |
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Unquoted Debt Securities Classified as Loans,
net of amortization |
133.890 |
133.570 |
136.109 |
134.977 |
134.937 |
130.945 |
132.577 |
130.095 |
126.076 |
125.098 |
123.999 |
120.696 |
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Investment in Non-Marketable Equity Securities
(INMES) |
20.749 |
20.728 |
20.752 |
20.633 |
20.944 |
20.701 |
20.584 |
20.558 |
20.543 |
20.508 |
20.467 |
20.461 |
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Accumulated Market Gain (Losses) - Financial
Assets |
43.595 |
50.041 |
37.851 |
37.255 |
26.749 |
36.951 |
52.002 |
48.090 |
49.123 |
52.640 |
56.734 |
53.923 |
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|
Allowance for Credit Losses - Financial Assets |
24.344 |
24.479 |
23.961 |
23.882 |
23.993 |
24.169 |
24.368 |
25.414 |
24.766 |
24.924 |
24.499 |
24.520 |
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Allowance for Credit Losses - AFS |
3.403 |
3.409 |
2.627 |
2.641 |
2.663 |
2.634 |
2.799 |
2.808 |
2.710 |
2.691 |
2.495 |
2.462 |
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Allowance for Credit Losses - HTM |
0.403 |
0.402 |
0.485 |
0.416 |
0.429 |
0.415 |
0.397 |
0.401 |
0.397 |
0.390 |
0.381 |
0.262 |
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Allowance for Credit Losses - Unquoted Debt
Securities Classified as Loans |
16.912 |
17.050 |
17.229 |
17.221 |
17.297 |
17.549 |
17.657 |
18.691 |
18.144 |
18.327 |
18.050 |
18.278 |
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Allowance for Credit Losses - INMES |
3.627 |
3.619 |
3.619 |
3.605 |
3.604 |
3.570 |
3.514 |
3.515 |
3.515 |
3.516 |
3.573 |
3.519 |
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Financial Assets, net of Allowance for Credit
Losses |
1,604.330 |
1,646.229 |
1,661.571 |
1,645.299 |
1,676.247 |
1,641.130 |
1,655.176 |
1,605.647 |
1,637.048 |
1,717.078 |
1,720.308 |
1,753.104 |
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|
Equity Investment in Subsidiaries/Associates
/Joint Ventures |
150.479 |
154.382 |
158.693 |
156.293 |
154.800 |
156.025 |
157.103 |
157.353 |
159.766 |
158.603 |
159.731 |
161.732 |
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Allowance for Credit Losses - Equity Investment
in Subsidiaries/Associates /Joint Ventures |
1.196 |
1.196 |
1.196 |
1.196 |
1.196 |
1.235 |
1.235 |
1.235 |
1.235 |
1.235 |
1.437 |
1.437 |
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|
Equity Investment in Subsidiaries/Associates
/Joint Ventures (net of Allowance for Credit Losses) |
149.283 |
153.186 |
157.497 |
155.097 |
153.604 |
154.790 |
155.867 |
156.117 |
158.531 |
157.368 |
158.294 |
160.295 |
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|
Total Loan Portfolio (TLP), gross (net of
amortization) |
3,151.414 |
3,184.269 |
3,192.496 |
3,265.867 |
3,282.406 |
3,388.091 |
3,401.666 |
3,411.860 |
3,444.161 |
3,492.547 |
3,552.842 |
3,650.760 |
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|
Loans and Receivables, gross (net of
amortization) |
2,959.955 |
2,939.941 |
2,961.420 |
3,077.211 |
3,046.599 |
3,160.973 |
3,150.286 |
3,151.027 |
3,179.359 |
3,258.485 |
3,292.818 |
3,408.629 |
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|
Loans to Bangko Sentral ng Pilipinas (BSP) |
0.000 |
0.000 |
0.000 |
5.191 |
6.960 |
10.951 |
8.761 |
4.206 |
4.587 |
7.824 |
6.544 |
0.000 |
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|
Interbank Loans Receivable |
193.283 |
166.181 |
133.975 |
171.241 |
145.035 |
162.123 |
154.591 |
154.824 |
160.912 |
160.761 |
141.805 |
155.468 |
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|
Loans and Receivables - Others |
2,781.536 |
2,788.709 |
2,842.578 |
2,915.949 |
2,909.989 |
3,003.420 |
3,002.068 |
3,006.573 |
3,027.858 |
3,103.322 |
3,157.350 |
3,265.601 |
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Unamortized Discount and Other Deferred Credits |
14.865 |
14.949 |
15.132 |
15.171 |
15.386 |
15.520 |
15.134 |
14.576 |
13.997 |
13.422 |
12.882 |
12.441 |
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Loans and Receivables - Others, net of
amortization |
2,766.671 |
2,773.760 |
2,827.445 |
2,900.778 |
2,894.604 |
2,987.899 |
2,986.934 |
2,991.996 |
3,013.860 |
3,089.900 |
3,144.469 |
3,253.160 |
| |
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|
Loans and
Receivables Arising from Repurchase Agreements, Certificates of
Assignment/Participation with Recourse, and Securities Lending and Borrowing
Transactions (LRARA) |
191.460 |
244.328 |
231.076 |
188.656 |
235.807 |
227.117 |
251.380 |
260.833 |
264.801 |
234.062 |
260.024 |
242.131 |
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|
Allowance for Credit Losses - TLP |
122.029 |
123.845 |
124.968 |
125.250 |
124.453 |
127.269 |
128.402 |
129.391 |
128.598 |
128.823 |
128.730 |
128.464 |
| |
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|
Allowance for Credit Losses - Interbank Loans
Receivable |
0.626 |
0.676 |
0.685 |
0.667 |
0.674 |
0.681 |
0.688 |
0.674 |
0.683 |
0.697 |
0.707 |
0.798 |
| |
|
|
Allowance for Credit Losses - Loans and
Receivables - Other |
84.117 |
86.119 |
86.751 |
86.281 |
87.392 |
90.024 |
90.400 |
90.663 |
89.513 |
88.885 |
89.718 |
88.506 |
| |
|
|
Allowance for Credit Losses - LRARA |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
| |
|
|
General Loan Loss Provision (GLLP) |
37.286 |
37.050 |
37.533 |
38.301 |
36.386 |
36.564 |
37.313 |
38.054 |
38.401 |
39.241 |
38.305 |
39.159 |
| |
|
TLP, net of Allowance for Credit Losses |
3,029.385 |
3,060.423 |
3,067.528 |
3,140.617 |
3,157.954 |
3,260.822 |
3,273.264 |
3,282.469 |
3,315.563 |
3,363.724 |
3,424.113 |
3,522.296 |
| |
|
Total Real and Other Properties Acquired (ROPA) |
120.276 |
119.658 |
118.612 |
117.752 |
117.268 |
117.975 |
117.348 |
116.644 |
116.244 |
118.055 |
116.667 |
114.673 |
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|
|
Sales Contract Receivable (SCR) |
15.492 |
15.232 |
14.448 |
14.590 |
15.208 |
15.440 |
15.390 |
15.233 |
15.116 |
15.584 |
15.277 |
15.542 |
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|
Non-Current Assets Held for Sale |
11.846 |
11.841 |
11.991 |
11.362 |
11.320 |
11.091 |
9.909 |
9.781 |
9.907 |
11.569 |
11.571 |
9.280 |
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|
|
ROPA |
92.938 |
92.585 |
92.174 |
91.799 |
90.739 |
91.445 |
92.048 |
91.629 |
91.221 |
90.902 |
89.819 |
89.851 |
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|
Accumulated Depreciation |
11.630 |
11.648 |
11.570 |
11.365 |
11.289 |
11.338 |
11.551 |
11.580 |
11.597 |
11.599 |
10.953 |
11.713 |
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|
Unamortized Discount and Other Deferred Credits |
0.053 |
0.052 |
0.052 |
0.050 |
0.051 |
0.051 |
0.040 |
0.041 |
0.040 |
0.037 |
0.035 |
0.034 |
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|
Allowance for Credit Losses - ROPA |
16.051 |
15.759 |
15.407 |
15.525 |
15.502 |
15.696 |
15.728 |
15.772 |
15.644 |
15.543 |
15.374 |
14.946 |
| |
|
|
Allowance for Credit Losses - SCR |
0.366 |
0.382 |
0.183 |
0.185 |
0.183 |
0.189 |
0.183 |
0.182 |
0.187 |
0.185 |
0.182 |
0.184 |
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|
|
Allowance for Credit Losses - ROPA |
12.935 |
12.621 |
12.660 |
12.695 |
12.809 |
12.907 |
13.073 |
13.118 |
12.870 |
12.804 |
12.626 |
12.372 |
| |
|
|
Allowance for Credit Losses - Non Current
Assets Held for Sale |
2.750 |
2.756 |
2.564 |
2.646 |
2.510 |
2.600 |
2.472 |
2.472 |
2.588 |
2.554 |
2.567 |
2.390 |
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|
ROPA, net of Allowance for Credit Losses |
92.542 |
92.198 |
91.583 |
90.812 |
90.425 |
90.890 |
90.028 |
89.251 |
88.963 |
90.875 |
90.305 |
87.980 |
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|
Total Other Assets, net |
355.506 |
370.322 |
359.796 |
350.552 |
336.996 |
358.303 |
346.664 |
325.783 |
328.472 |
326.145 |
337.224 |
338.562 |
| |
|
|
Derivatives with Positive Fair Value Held for
Hedging |
0.174 |
0.129 |
0.088 |
0.157 |
0.085 |
0.183 |
0.141 |
0.108 |
0.146 |
0.173 |
0.171 |
0.152 |
| |
|
|
Revaluation of Hedged Assets in Portfolio Hedge
of Interest Rate Risk |
0.194 |
0.190 |
0.173 |
0.162 |
0.159 |
0.156 |
0.175 |
0.174 |
0.182 |
0.190 |
0.202 |
0.191 |
| |
|
|
Goodwill |
16.286 |
16.286 |
15.945 |
15.305 |
15.305 |
15.305 |
15.456 |
15.655 |
15.451 |
15.450 |
15.450 |
15.450 |
| |
|
|
|
Allowance for Credit Losses |
1.345 |
1.354 |
1.364 |
1.374 |
1.384 |
1.394 |
1.404 |
1.414 |
1.424 |
1.434 |
1.453 |
1.466 |
| |
|
|
Goodwill, net |
14.942 |
14.932 |
14.581 |
13.930 |
13.921 |
13.910 |
14.052 |
14.241 |
14.027 |
14.017 |
13.997 |
13.985 |
| |
|
|
Accrued Interest Income from Financial Assets |
45.744 |
46.189 |
44.594 |
46.787 |
49.730 |
52.357 |
45.936 |
46.658 |
45.787 |
46.123 |
48.505 |
51.682 |
| |
|
|
|
Allowance for Credit Losses |
5.689 |
5.777 |
5.887 |
5.424 |
5.511 |
5.537 |
5.686 |
5.688 |
5.663 |
5.521 |
5.386 |
5.406 |
| |
|
|
Accrued Interest Income from Financial Assets,
net |
40.055 |
40.412 |
38.708 |
41.364 |
44.219 |
46.820 |
40.250 |
40.969 |
40.124 |
40.603 |
43.119 |
46.276 |
| |
|
|
Bank Premises, Furniture, Fixture and Equipment |
160.713 |
161.322 |
161.819 |
161.429 |
162.119 |
163.432 |
164.711 |
165.254 |
166.346 |
167.435 |
168.118 |
170.192 |
| |
|
|
|
Accumulated Depreciation |
73.206 |
73.480 |
73.952 |
74.096 |
74.713 |
75.515 |
76.074 |
76.586 |
77.180 |
77.938 |
78.262 |
78.797 |
| |
|
|
|
Allowance for Credit Losses |
1.672 |
1.672 |
1.658 |
1.600 |
1.592 |
1.592 |
1.592 |
1.592 |
1.592 |
1.592 |
1.592 |
1.593 |
| |
|
|
Bank Premises, Furniture, Fixture and
Equipment, net |
85.835 |
86.170 |
86.209 |
85.732 |
85.813 |
86.325 |
87.045 |
87.075 |
87.574 |
87.905 |
88.264 |
89.803 |
| |
|
|
Other Intangible Assets |
11.443 |
11.748 |
12.093 |
11.872 |
12.052 |
12.322 |
12.930 |
12.985 |
13.239 |
13.402 |
13.456 |
13.618 |
| |
|
|
|
Accumulated Amortization |
4.723 |
4.768 |
4.825 |
4.586 |
4.655 |
4.690 |
4.747 |
4.806 |
4.867 |
4.926 |
4.981 |
5.276 |
| |
|
|
|
Allowance for Credit Losses |
0.005 |
0.005 |
0.005 |
0.005 |
0.005 |
0.005 |
0.005 |
0.005 |
0.005 |
0.005 |
0.090 |
0.090 |
| |
|
|
Other Intangible Assets, net |
6.715 |
6.976 |
7.263 |
7.281 |
7.392 |
7.627 |
8.178 |
8.174 |
8.367 |
8.470 |
8.385 |
8.252 |
| |
|
|
Deferred Tax Asset |
40.513 |
40.139 |
40.298 |
39.612 |
39.505 |
39.533 |
39.862 |
39.505 |
39.752 |
40.010 |
39.696 |
38.945 |
| |
|
|
Due from Foreign Currency Deposit Unit
(FCDU)/Regular Banking Unit (RBU) |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
| |
|
|
Other Assets |
189.486 |
204.026 |
195.135 |
185.174 |
169.532 |
186.724 |
180.062 |
158.732 |
163.268 |
160.132 |
168.982 |
165.725 |
| |
|
|
|
Allowance for Credit Losses |
22.408 |
22.653 |
22.659 |
22.859 |
23.630 |
22.975 |
23.103 |
23.196 |
24.967 |
25.355 |
25.591 |
24.767 |
| |
|
|
Other Assets, net |
167.079 |
181.374 |
172.476 |
162.315 |
145.902 |
163.748 |
156.959 |
135.536 |
138.301 |
134.777 |
143.391 |
140.958 |
| |
|
|
|
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| |
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|
|
|
| |
Liabilities and Capital |
6,370.371 |
6,489.071 |
6,378.368 |
6,475.065 |
6,470.617 |
6,599.670 |
6,636.346 |
6,578.035 |
6,765.181 |
6,793.391 |
6,999.183 |
7,193.817 |
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
Liability Accounts |
5,546.691 |
5,659.906 |
5,548.664 |
5,649.182 |
5,646.210 |
5,760.201 |
5,730.611 |
5,680.831 |
5,859.207 |
5,877.958 |
6,072.505 |
6,256.765 |
| |
|
Financial Liabilities HFT |
46.031 |
43.207 |
35.235 |
46.907 |
41.512 |
51.072 |
60.359 |
49.699 |
54.811 |
60.670 |
64.101 |
52.724 |
| |
|
Financial Liabilities DFVPL |
6.461 |
6.416 |
6.369 |
6.378 |
6.353 |
6.339 |
6.278 |
6.267 |
6.272 |
6.264 |
6.227 |
6.196 |
| |
|
Deposit Liabilities |
4,540.942 |
4,593.133 |
4,556.127 |
4,614.862 |
4,621.096 |
4,734.381 |
4,628.929 |
4,618.781 |
4,748.593 |
4,737.956 |
4,888.663 |
5,097.472 |
| |
|
|
Peso |
3,518.836 |
3,549.408 |
3,521.852 |
3,566.506 |
3,553.836 |
3,680.258 |
3,582.429 |
3,591.191 |
3,715.112 |
3,694.865 |
3,880.748 |
4,102.566 |
| |
|
|
|
Demand Deposits and NOW Accounts |
992.419 |
974.541 |
990.413 |
978.970 |
989.507 |
990.361 |
996.393 |
1,003.217 |
1,011.606 |
1,007.987 |
1,058.422 |
1,067.028 |
| |
|
|
|
Savings Deposits |
1,790.658 |
1,818.554 |
1,799.713 |
1,836.053 |
1,802.982 |
1,863.055 |
1,823.634 |
1,825.693 |
1,907.915 |
1,892.641 |
1,941.503 |
2,096.855 |
| |
|
|
|
Time Certificate of Deposits |
696.116 |
711.638 |
687.019 |
706.749 |
713.583 |
784.040 |
719.572 |
716.022 |
749.303 |
742.918 |
827.936 |
887.961 |
| |
|
|
|
Long Term Negotiable Certificates of Deposits
(LTNCD) |
39.643 |
44.675 |
44.707 |
44.735 |
47.765 |
42.802 |
42.830 |
46.258 |
46.289 |
51.320 |
52.886 |
50.722 |
| |
|
|
Foreign Currency |
1,022.106 |
1,043.725 |
1,034.275 |
1,048.356 |
1,067.259 |
1,054.123 |
1,046.500 |
1,027.590 |
1,033.481 |
1,043.091 |
1,007.915 |
994.906 |
| |
|
Bills Payable |
326.652 |
326.996 |
338.803 |
327.543 |
312.643 |
326.210 |
328.064 |
316.236 |
355.412 |
360.830 |
351.729 |
380.879 |
| |
|
|
Deposit Substitutes |
76.812 |
73.722 |
79.638 |
83.184 |
77.181 |
83.653 |
84.754 |
74.664 |
83.155 |
93.888 |
84.462 |
96.232 |
| |
|
|
Others |
249.841 |
253.274 |
259.165 |
244.359 |
235.461 |
242.556 |
243.309 |
241.572 |
272.257 |
266.941 |
267.266 |
284.647 |
| |
|
Special Financing |
0.006 |
0.006 |
0.006 |
0.006 |
0.006 |
0.006 |
0.006 |
0.006 |
0.006 |
0.006 |
0.006 |
0.006 |
| |
|
|
Time Certificate of Deposits - Special
Financing |
0.006 |
0.006 |
0.006 |
0.006 |
0.006 |
0.006 |
0.006 |
0.006 |
0.006 |
0.006 |
0.006 |
0.006 |
| |
|
|
Special Time Deposits |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
| |
|
Unsecured Subordinated Debt |
118.363 |
118.370 |
124.028 |
122.539 |
126.015 |
126.016 |
126.017 |
126.018 |
126.019 |
117.520 |
107.522 |
107.523 |
| |
|
|
|
Unamortized Debt Discount/Premium |
(0.157) |
(0.150) |
(0.151) |
(0.144) |
(0.136) |
(0.128) |
(0.119) |
(0.111) |
(0.103) |
(0.095) |
(0.088) |
(0.081) |
| |
|
Unsecured Subordinated Debt, net |
118.206 |
118.220 |
123.877 |
122.395 |
125.879 |
125.889 |
125.898 |
125.907 |
125.917 |
117.426 |
107.433 |
107.441 |
| |
|
Redeemable Preferred Shares |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
| |
|
Total Other Liabilities |
508.393 |
571.929 |
488.247 |
531.091 |
538.722 |
516.305 |
581.078 |
563.936 |
568.196 |
594.807 |
654.346 |
612.047 |
| |
|
|
Due to Other Banks |
42.028 |
39.763 |
19.092 |
22.378 |
24.004 |
21.638 |
15.516 |
24.326 |
18.095 |
21.307 |
16.978 |
16.853 |
| |
|
|
Bonds Payable |
45.014 |
57.713 |
57.942 |
60.142 |
61.988 |
60.021 |
59.451 |
59.936 |
59.423 |
58.682 |
58.283 |
58.496 |
| |
|
|
|
Unamortized Bond Discount/Premium |
(0.155) |
(0.223) |
(0.233) |
(0.169) |
(0.172) |
(0.163) |
(0.158) |
(0.157) |
(0.153) |
(0.148) |
(0.144) |
(0.142) |
| |
|
|
Bonds Payable, net |
44.859 |
57.490 |
57.709 |
59.973 |
61.816 |
59.858 |
59.293 |
59.779 |
59.270 |
58.534 |
58.138 |
58.354 |
| |
|
|
Financial Liabilities Associated with
Transferred Assets |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
| |
|
|
Derivatives with Negative Fair Value Held for
Hedging |
0.434 |
0.430 |
0.414 |
0.376 |
0.474 |
0.378 |
0.387 |
0.393 |
0.395 |
0.382 |
0.397 |
0.388 |
| |
|
|
Revaluation of Hedged Liabilities in Portfolio
Hedge of Interest Rate Risk |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
| |
|
|
Accrued Interest Expense on Financial
Liabilities |
12.461 |
13.061 |
10.970 |
11.681 |
12.854 |
12.226 |
11.947 |
12.243 |
10.855 |
11.632 |
12.759 |
12.748 |
| |
|
|
Finance Lease Payment Payable |
0.144 |
0.142 |
0.139 |
0.135 |
0.131 |
0.131 |
0.128 |
0.124 |
0.117 |
0.117 |
0.109 |
0.109 |
| |
|
|
Due to Treasurer of the Philippines |
1.930 |
3.392 |
2.585 |
2.627 |
10.099 |
1.743 |
1.253 |
11.880 |
2.966 |
1.528 |
10.746 |
4.898 |
| |
|
|
Treasurer/Cashier/Manager's Checks |
33.183 |
30.486 |
41.370 |
33.383 |
34.016 |
37.216 |
31.573 |
35.710 |
35.589 |
31.820 |
36.774 |
38.591 |
| |
|
|
Payment Orders Payable |
1.656 |
1.582 |
1.406 |
2.147 |
1.330 |
1.756 |
1.237 |
1.155 |
1.229 |
1.148 |
1.085 |
1.314 |
| |
|
|
Margin Deposits
on Letters of Credit (LC) and Customers' Liability on Bills/Drafts under LC
and/or Trust Receipt (TR) |
2.654 |
2.643 |
2.338 |
2.524 |
2.711 |
2.132 |
3.474 |
3.047 |
2.758 |
2.476 |
3.156 |
2.611 |
| |
|
|
Cash LC |
5.926 |
5.479 |
4.286 |
4.007 |
3.214 |
3.470 |
3.399 |
3.499 |
3.451 |
3.718 |
3.322 |
2.569 |
| |
|
|
Outstanding Acceptances Executed by or for
Account of this Bank |
8.209 |
8.944 |
7.915 |
10.005 |
8.435 |
7.160 |
8.829 |
7.762 |
9.892 |
7.816 |
7.632 |
6.953 |
| |
|
|
Due to BSP |
0.558 |
0.757 |
1.001 |
0.211 |
0.201 |
0.215 |
0.218 |
0.238 |
0.326 |
0.355 |
0.395 |
0.408 |
| |
|
|
Due to Philippine Deposit Insurance Corporation
(PDIC) |
0.224 |
0.420 |
0.630 |
0.830 |
1.022 |
1.273 |
0.274 |
0.479 |
0.705 |
0.910 |
1.113 |
1.305 |
| |
|
|
Due to Philippine Crop Insurance Corporation
(PCIC) |
0.002 |
0.001 |
0.001 |
0.001 |
0.003 |
0.002 |
0.002 |
0.001 |
0.002 |
0.002 |
0.002 |
0.002 |
| |
|
|
Income Tax Payable |
2.233 |
2.356 |
2.595 |
2.150 |
1.882 |
2.073 |
2.471 |
2.290 |
3.023 |
3.619 |
3.393 |
3.761 |
| |
|
|
Other Taxes and Licenses Payable |
2.149 |
2.311 |
2.207 |
2.107 |
2.469 |
2.401 |
2.152 |
2.046 |
1.775 |
1.873 |
2.416 |
2.985 |
| |
|
|
Accrued Expenses |
27.186 |
28.584 |
28.357 |
28.583 |
28.004 |
28.343 |
28.828 |
30.004 |
31.537 |
32.801 |
32.638 |
31.793 |
| |
|
|
Unearned Income |
10.494 |
10.825 |
10.583 |
8.295 |
8.231 |
8.168 |
8.225 |
7.928 |
7.856 |
7.910 |
8.148 |
8.252 |
| |
|
|
Deferred Tax Liabilities |
4.037 |
4.113 |
3.537 |
3.740 |
3.070 |
3.503 |
3.692 |
3.258 |
3.214 |
3.292 |
3.306 |
2.986 |
| |
|
|
Provisions |
2.412 |
2.407 |
2.435 |
2.473 |
2.646 |
2.693 |
2.730 |
2.745 |
2.823 |
3.065 |
2.831 |
2.822 |
| |
|
|
Other Liabilities |
187.108 |
228.945 |
184.890 |
206.719 |
173.950 |
190.620 |
201.673 |
177.263 |
192.709 |
191.702 |
226.693 |
197.970 |
| |
|
|
Due to Head Office (HO)/Branches (Br)/Agencies
(Ag) (Philippine branch of a foreign bank) |
118.506 |
127.797 |
103.788 |
126.744 |
158.160 |
129.305 |
193.777 |
177.764 |
179.609 |
208.802 |
222.316 |
214.375 |
| |
|
|
Due to FCDU/RBU |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
Capital Accounts |
823.681 |
829.165 |
829.704 |
825.883 |
824.407 |
839.469 |
905.735 |
897.204 |
905.974 |
915.432 |
926.678 |
937.052 |
| |
|
Paid in Capital Stock |
262.422 |
262.408 |
265.407 |
260.673 |
262.083 |
263.015 |
273.147 |
273.147 |
273.148 |
273.148 |
273.198 |
273.148 |
| |
|
Additional Paid-in Capital |
78.924 |
78.406 |
78.407 |
78.407 |
79.387 |
83.863 |
118.008 |
118.004 |
118.004 |
118.004 |
118.004 |
118.004 |
| |
|
Other Equity Instruments |
29.427 |
29.385 |
29.852 |
29.624 |
30.078 |
30.313 |
30.172 |
30.292 |
30.165 |
30.013 |
29.915 |
29.967 |
| |
|
Retained Earnings |
283.877 |
271.943 |
272.880 |
269.888 |
262.795 |
258.737 |
258.817 |
247.277 |
246.188 |
245.421 |
241.184 |
268.564 |
| |
|
Stock Dividend Distributable |
0.057 |
0.057 |
0.057 |
0.057 |
5.581 |
1.237 |
0.057 |
0.057 |
0.057 |
0.057 |
0.057 |
0.057 |
| |
|
Undivided Profits |
10.968 |
20.989 |
27.651 |
33.747 |
41.837 |
50.739 |
60.158 |
65.207 |
73.452 |
81.345 |
91.214 |
68.952 |
| |
|
Other Comprehensive Income |
46.569 |
54.063 |
41.629 |
39.769 |
28.797 |
37.711 |
51.351 |
47.849 |
49.009 |
52.523 |
56.565 |
53.802 |
| |
|
Appraisal Increment Reserve |
1.474 |
1.477 |
1.418 |
1.418 |
1.418 |
1.418 |
1.418 |
1.418 |
1.418 |
1.418 |
1.418 |
2.766 |
| |
|
Treasury Stock |
(0.021) |
(0.021) |
(0.037) |
(0.022) |
(0.022) |
(0.022) |
(0.023) |
(0.023) |
(0.023) |
(0.023) |
(0.023) |
(0.023) |
| |
|
Assigned Capital |
24.953 |
24.953 |
25.809 |
25.809 |
25.809 |
25.809 |
25.809 |
25.809 |
25.809 |
25.809 |
25.809 |
27.012 |
| |
|
Net Due to HO/Br/Ag |
85.030 |
85.506 |
86.632 |
86.515 |
86.645 |
86.650 |
86.820 |
88.167 |
88.747 |
87.717 |
89.337 |
94.802 |
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
Key Ratios (%) |
|
|
|
|
|
|
|
|
|
|
|
|
| |
|
Cash and Due from Banks to Deposits |
25.09 |
25.40 |
22.84 |
23.68 |
22.84 |
23.10 |
24.10 |
24.22 |
26.04 |
24.02 |
25.96 |
26.12 |
| |
|
Liquid Assets to Deposits
2/ |
60.42 |
61.24 |
59.30 |
59.33 |
59.11 |
57.77 |
59.85 |
58.99 |
60.52 |
60.26 |
61.15 |
60.51 |
| |
|
Loans, gross to Deposits |
69.40 |
69.33 |
70.07 |
70.77 |
71.03 |
71.56 |
73.49 |
73.87 |
72.53 |
73.71 |
72.68 |
71.62 |
| |
|
Capital Adequacy Ratio (CAR) 3/ |
|
|
|
|
|
|
|
|
|
|
|
|
| |
|
|
Solo Basis |
|
|
16.85 |
|
|
16.87 |
|
|
17.95 |
|
|
|
| |
|
|
Consolidated Basis |
|
|
18.01 |
|
|
17.96 |
|
|
19.01 |
|
|
|
| |
|
Total Capital Accounts to Total Assets 4/ |
12.93 |
12.78 |
13.01 |
12.75 |
12.74 |
12.72 |
13.65 |
13.64 |
13.39 |
13.48 |
13.24 |
13.03 |
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
1/ Figures
adjusted to net off the account "Due from Head Office" with
"Due to Head Office" of branches of foreign banks |
|
|
|
|
|
|
|
|
|
|
|
|
|
2/ Ratio of Liquid Assets (Cash and Due from Banks +
Financial Assets, Net of Allowance for Credit Losses) to Total Deposits |
|
|
|
|
|
|
|
|
|
|
|
|
|
3/ Based on
the framework under Circular No. 280 dated 29 March 2001 which was formally
adopted on 1 July 2001. Effective 1
July 2003, the CARs of Universal and Commercial Banks (U/KBs), are based on
combined |
|
|
|
|
|
|
|
|
|
credit and market risks under Circular No.
dated 3 December 2002. The capital adequacy framework, covering U/KBs and
their subsidiary banks and quasi-banks, was revised under Circular No. 538 dated 2 June 2006 |
|
|
|
|
|
|
|
|
|
and was formally adopted on 1 July 2007. The CAR computation for Thrift Banks, Rural
and Cooperative Banks and Quasi-Banks that are not subsidiaries of U/KBs
continue to be governed by Circular No. 280 and |
|
|
|
|
|
|
|
|
|
Circular No. 400 dated 1 September 2003. |
|
|
|
|
|
|
|
|
|
|
|
|
|
4/ Ratio of Total
Capital Accounts ( for ratio analysis
consists of Total Capital Accounts + Redeemable Preferred Shares) to
Total Assets |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Note: Details may not add up to totals due to
rounding-off |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Source : Supervisory Data Center, Supervision
and Examination Sector |
|
|
|
|
|
|
|
|
|
|
|
|
|
Updated as of 14 May 2013 |
|
|
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|
|
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|
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|
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|
|
|
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|
|
|
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|
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|
|