| 12
CONSOLIDATED STATEMENT OF CONDITION
AND KEY RATIOS |
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| Universal and Commercial Banking
System |
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| as of end of periods indicated |
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| in billion pesos |
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| Selected
Accounts |
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Jan-11 |
Feb-11 |
Mar-11 |
Apr-11 |
May-11 |
Jun-11 |
Jul-11 |
Aug-11 |
Sep-11
r/ |
Oct-11 |
Nov-11 |
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Asset
Accounts 1/ |
|
5,894.413
|
5,996.134
|
6,048.275
|
6,010.098
|
6,101.200
|
6,269.955
|
6,118.857
|
6,301.922
|
6,296.187
|
6,249.622
|
6,421.201
|
| |
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| |
Cash and Due from Banks |
|
1,097.000 |
1,143.784 |
1,211.111 |
1,080.438 |
1,082.722 |
1,135.818 |
1,052.416 |
1,142.607 |
1,201.609 |
1,158.232 |
1,233.980 |
| |
Financial
Assets, Excl of Equity Investments in
Subs., Assoc. and Joint Vent (Net of Amortization) |
|
1,608.868 |
1,578.779 |
1,600.742 |
1,617.796 |
1,600.254 |
1,606.914 |
1,573.809 |
1,576.211 |
1,586.291 |
1,530.711 |
1,511.831 |
| |
|
Financial Assets Held for Trading (HFT) |
|
184.799 |
160.461 |
171.596 |
192.923 |
171.991 |
191.512 |
206.391 |
209.968 |
187.411 |
186.241 |
182.034 |
| |
|
Financial Assets Designated at Fair Value
through Profit or Loss - Debt Sect |
|
7.960 |
7.401 |
7.470 |
6.593 |
6.686 |
6.612 |
6.464 |
8.587 |
8.682 |
9.656 |
9.090 |
| |
|
AFS Financial Assets, Net of Amortization |
|
724.733 |
716.645 |
707.122 |
738.820 |
740.090 |
746.168 |
710.274 |
711.769 |
733.823 |
758.956 |
736.961 |
| |
|
|
AFS Debt
Securities |
|
698.125 |
690.340 |
681.209 |
709.670 |
713.001 |
717.727 |
682.027 |
680.963 |
702.988 |
727.677 |
705.543 |
| |
|
|
Unamortized
Discount/Premium |
|
18.106 |
18.270 |
17.868 |
21.120 |
19.078 |
20.234 |
20.263 |
22.828 |
23.140 |
23.900 |
24.018 |
| |
|
|
AFS-Debt
Securities Net of Amortization |
|
716.230 |
708.610 |
699.077 |
730.791 |
732.080 |
737.961 |
702.290 |
703.791 |
726.127 |
751.578 |
729.561 |
| |
|
|
AFS-Equity
Securities |
|
8.503 |
8.035 |
8.045 |
8.029 |
8.010 |
8.207 |
7.984 |
7.978 |
7.695 |
7.379 |
7.400 |
| |
|
Held-to-Maturity (HTM) Financial Assets |
|
492.545 |
497.775 |
516.380 |
484.105 |
485.162 |
470.096 |
461.872 |
460.030 |
467.492 |
412.314 |
416.410 |
| |
|
|
Unamortized Discount/Premium |
|
8.821 |
9.016 |
9.888 |
5.644 |
5.753 |
3.917 |
2.398 |
2.459 |
3.353 |
3.520 |
3.775 |
| |
|
HTM Financial Assets - Net of Amortization |
|
501.367 |
506.791 |
526.268 |
489.750 |
490.915 |
474.013 |
464.270 |
462.489 |
470.845 |
415.834 |
420.185 |
| |
|
Unquoted Debt Securities Classified as Loans |
|
193.332 |
190.192 |
190.555 |
191.434 |
192.036 |
190.083 |
187.283 |
184.041 |
186.323 |
160.015 |
163.739 |
| |
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|
Unamortized Discount/Premium |
|
(27.482) |
(26.769) |
(26.312) |
(25.651) |
(25.526) |
(25.226) |
(24.393) |
(24.184) |
(24.544) |
(23.795) |
(24.098) |
| |
|
Unquoted Debt Securities Classified as Loans
-Net of Amortization |
|
165.850 |
163.424 |
164.242 |
165.784 |
166.510 |
164.857 |
162.891 |
159.857 |
161.779 |
136.220 |
139.641 |
| |
|
Investment in Non-Markeatable Equity
Securities (INMES) |
|
24.158 |
24.058 |
24.044 |
23.926 |
24.062 |
23.752 |
23.519 |
23.541 |
23.750 |
23.803 |
23.921 |
| |
Accumulated Market Gain (Losses) -Financial
Assets |
|
16.078 |
8.171 |
12.916 |
22.643 |
20.624 |
26.447 |
34.110 |
37.814 |
18.810 |
32.669 |
31.876 |
| |
Allowance for Credit Losses-Financial Assets |
|
26.499 |
25.845 |
25.580 |
23.949 |
23.712 |
24.003 |
23.976 |
23.912 |
24.129 |
24.067 |
24.242 |
| |
|
Allowance for Credit Losses-AFS |
|
7.011 |
6.350 |
5.921 |
4.257 |
4.131 |
4.263 |
4.234 |
3.984 |
3.783 |
3.730 |
3.800 |
| |
|
Allowance for Credit Losses-HTM |
|
0.956 |
0.944 |
0.941 |
0.672 |
0.446 |
0.493 |
0.498 |
0.486 |
0.444 |
0.409 |
0.418 |
| |
|
Allowance for Credit Losses-Unquoted Debt
Securities Classified as Loans |
|
14.907 |
14.927 |
15.091 |
15.346 |
15.390 |
15.504 |
15.551 |
15.749 |
16.213 |
16.240 |
16.334 |
| |
|
Allowance for Credit Losses- INMES |
|
3.625 |
3.625 |
3.628 |
3.674 |
3.744 |
3.743 |
3.693 |
3.693 |
3.689 |
3.689 |
3.690 |
| |
Financial Assets -Net of Allowance for Credit
Losses |
|
1,598.446 |
1,561.105 |
1,588.077 |
1,616.490 |
1,597.166 |
1,609.358 |
1,583.943 |
1,590.113 |
1,580.972 |
1,539.312 |
1,519.466 |
| |
Equity Investments In Subsidiaries, Assoc.
& Joint Vent. |
|
130.268 |
130.574 |
131.753 |
132.883 |
134.279 |
135.761 |
136.755 |
138.730 |
140.319 |
140.170 |
142.804 |
| |
Allowance for Credit
Losses-Equity Investment in Subsidiaries, Assoc. and Joint Vent |
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|
1.165 |
1.165 |
1.165 |
1.165 |
1.159 |
1.158 |
1.158 |
1.158 |
1.158 |
1.158 |
1.158 |
| |
Equity Investments In Subsidiaries, Assoc.
& Joint Vent.(Net of Allow. For Credit Losses) |
|
129.103 |
129.409 |
130.588 |
131.718 |
133.120 |
134.602 |
135.597 |
137.572 |
139.160 |
139.012 |
141.645 |
| |
Total Loan Portfolio, gross (net of
amortization) |
|
2,730.763 |
2,810.719 |
2,782.483 |
2,853.103 |
2,951.742 |
3,059.499 |
3,008.748 |
3,087.293 |
3,051.977 |
3,078.921 |
3,188.643 |
| |
|
Loans and Receivables, gross (net of
amortization) |
|
2,516.154 |
2,562.727 |
2,573.587 |
2,621.384 |
2,718.975 |
2,801.682 |
2,772.625 |
2,817.616 |
2,840.435 |
2,841.884 |
2,936.516 |
| |
|
Loans to Bangko Sentral ng Pilipinas |
|
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.426 |
0.000 |
| |
|
Interbank Loans Receivable |
|
192.170 |
211.920 |
191.934 |
187.591 |
194.269 |
201.051 |
194.276 |
190.255 |
183.744 |
171.562 |
175.768 |
| |
|
Loans and Receivables -Others |
|
2,337.436 |
2,364.297 |
2,395.363 |
2,447.558 |
2,539.215 |
2,615.092 |
2,592.957 |
2,642.103 |
2,671.467 |
2,684.718 |
2,775.797 |
| |
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|
Unamortized Discount and Other Deferred Credits |
|
13.453 |
13.490 |
13.710 |
13.765 |
14.509 |
14.461 |
14.608 |
14.742 |
14.776 |
14.822 |
15.049 |
| |
|
Loans and Receivables - Others - Net of Amortization |
|
2,323.983 |
2,350.808 |
2,381.653 |
2,433.792 |
2,524.706 |
2,600.631 |
2,578.349 |
2,627.361 |
2,656.691 |
2,669.896 |
2,760.748 |
| |
|
Loans and
Receivables Arising from Repurchase Agreements, Certificates of
Assignment/Participation with Recourse, and Securities Lending and Borrowing
Transactions |
|
214.610 |
247.992 |
208.896 |
231.719 |
232.766 |
257.817 |
236.123 |
269.677 |
211.542 |
237.036 |
252.127 |
| |
Allowance for Credit Losses-Loans |
|
119.832 |
121.343 |
122.072 |
123.610 |
123.712 |
122.746 |
121.423 |
122.601 |
123.200 |
122.993 |
123.674 |
| |
|
Allowance for Credit Losses-Interbank Loans
Receivable |
|
1.569 |
1.564 |
1.569 |
1.582 |
1.588 |
0.551 |
0.560 |
0.568 |
0.576 |
0.584 |
0.583 |
| |
|
Allowance for Credit Losses-Loans and
Receivables -Other |
|
87.792 |
87.461 |
87.884 |
89.067 |
88.799 |
88.761 |
86.378 |
87.527 |
88.583 |
87.745 |
87.746 |
| |
|
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 |
| |
|
General Loan Loss Provision (GLLP) |
|
30.471 |
32.319 |
32.619 |
32.961 |
33.324 |
33.434 |
34.485 |
34.506 |
34.041 |
34.664 |
35.345 |
| |
Total Loan Portfolio, Net of Allowance for
Credit Losses |
|
2,610.931 |
2,689.375 |
2,660.411 |
2,729.493 |
2,828.030 |
2,936.752 |
2,887.325 |
2,964.692 |
2,928.777 |
2,955.928 |
3,064.969 |
| |
Total ROPA |
|
135.257 |
134.783 |
133.313 |
132.160 |
131.815 |
130.123 |
129.157 |
127.828 |
126.840 |
125.706 |
124.693 |
| |
|
Sales Contract Receivable |
|
17.051 |
16.815 |
16.948 |
16.860 |
16.555 |
16.069 |
16.078 |
15.873 |
15.741 |
15.897 |
15.300 |
| |
|
Non-Current Assets Held for Sale |
|
14.260 |
14.183 |
13.792 |
13.413 |
12.951 |
12.671 |
12.971 |
13.035 |
12.897 |
12.962 |
12.691 |
| |
|
Real and Other Properties Acquired |
|
103.945 |
103.786 |
102.574 |
101.887 |
102.309 |
101.382 |
100.108 |
98.921 |
98.202 |
96.848 |
96.702 |
| |
Accumulated Depreciation |
|
12.425 |
12.393 |
12.269 |
12.105 |
12.075 |
11.837 |
11.825 |
11.763 |
11.708 |
11.674 |
11.643 |
| |
Unamortized Discount and Other Deferred
Credits |
|
0.066 |
0.064 |
0.062 |
0.060 |
0.057 |
0.060 |
0.059 |
0.058 |
0.057 |
0.057 |
0.057 |
| |
Allowance for Losses - ROPA |
|
15.316 |
15.552 |
15.867 |
16.013 |
15.977 |
15.832 |
15.837 |
15.993 |
16.108 |
16.057 |
16.030 |
| |
|
Allowance for Credit Losses- Sales Contract
Receivable |
|
0.178 |
0.191 |
0.367 |
0.370 |
0.369 |
0.373 |
0.365 |
0.363 |
0.365 |
0.363 |
0.361 |
| |
|
Allowance for Losses -Real and Other
Properties Acquired |
|
12.087 |
12.204 |
12.378 |
12.532 |
12.505 |
12.363 |
12.362 |
12.486 |
12.545 |
12.335 |
12.479 |
| |
|
Allowance for Credit Losses -Non Current
Assets held for Sale |
|
3.051 |
3.157 |
3.122 |
3.111 |
3.103 |
3.097 |
3.110 |
3.144 |
3.198 |
3.359 |
3.190 |
| |
ROPA, Net of Allowance for Losses |
|
107.449 |
106.775 |
105.115 |
103.982 |
103.706 |
102.394 |
101.436 |
100.014 |
98.967 |
97.918 |
96.963 |
| |
Total Other Assets, Net |
|
351.484 |
365.687 |
352.973 |
347.976 |
356.456 |
351.030 |
358.140 |
366.924 |
346.703 |
359.220 |
364.178 |
| |
|
Derivatives with Positive Fair Value Held for
Hedging |
|
0.001 |
0.001 |
0.001 |
0.001 |
0.075 |
0.072 |
0.083 |
0.095 |
0.080 |
0.099 |
0.085 |
| |
|
Revaluation of Hedged Assets in Portfolio
Hedge of Interest Rate Risk |
|
0.192 |
0.192 |
0.190 |
0.174 |
0.172 |
0.162 |
0.161 |
0.207 |
0.211 |
0.217 |
0.200 |
| |
|
Goodwill |
|
16.418 |
16.418 |
16.418 |
16.417 |
16.518 |
16.286 |
16.285 |
16.285 |
16.286 |
16.285 |
16.286 |
| |
|
|
Allowance for
Losses |
|
1.181 |
1.194 |
1.206 |
1.235 |
1.247 |
1.260 |
1.272 |
1.285 |
1.297 |
1.310 |
1.322 |
| |
|
Goodwill - Net |
|
15.237 |
15.224 |
15.212 |
15.183 |
15.271 |
15.026 |
15.013 |
15.001 |
14.989 |
14.976 |
14.964 |
| |
|
Accrued Interest Income from Financial Assets |
|
46.946 |
46.719 |
43.352 |
46.751 |
49.934 |
50.085 |
45.684 |
47.510 |
45.112 |
47.502 |
49.530 |
| |
|
|
Allowance for Credit Losses |
|
5.322 |
5.314 |
5.263 |
5.221 |
5.168 |
5.262 |
5.174 |
5.146 |
5.213 |
5.515 |
5.609 |
| |
|
Accrued Interest Income from Financial Assets,
net |
|
41.624 |
41.405 |
38.088 |
41.530 |
44.766 |
44.823 |
40.509 |
42.364 |
39.899 |
41.987 |
43.920 |
| |
|
Bank Premises, Furniture, Fixture and
Equipment |
|
155.514 |
154.218 |
154.698 |
155.352 |
156.486 |
156.737 |
157.578 |
158.059 |
158.783 |
158.249 |
159.178 |
| |
|
|
Accumulated Depreciation |
|
70.850 |
69.717 |
70.171 |
70.661 |
71.533 |
71.750 |
72.436 |
72.833 |
73.098 |
72.315 |
72.572 |
| |
|
|
Allowance for Losses |
|
1.742 |
1.749 |
1.788 |
1.779 |
1.779 |
1.754 |
1.754 |
1.698 |
1.698 |
1.698 |
1.698 |
| |
|
Bank Premises, Furniture, Fixture and
Equipment - Net |
|
82.921 |
82.752 |
82.738 |
82.913 |
83.175 |
83.233 |
83.388 |
83.528 |
83.988 |
84.236 |
84.908 |
| |
|
Other Intangible Assets |
|
8.306 |
8.326 |
10.420 |
10.593 |
10.651 |
10.827 |
10.975 |
11.031 |
11.184 |
11.212 |
11.210 |
| |
|
|
Accumulated Amortization |
|
3.618 |
3.674 |
3.744 |
3.801 |
3.866 |
4.021 |
4.081 |
4.140 |
4.210 |
4.300 |
4.362 |
| |
|
|
Allowance for Losses |
|
0.005 |
0.005 |
0.005 |
0.005 |
0.005 |
0.005 |
0.005 |
0.005 |
0.005 |
0.005 |
0.005 |
| |
|
Other Intangible Assets, net |
|
4.683 |
4.647 |
6.672 |
6.788 |
6.779 |
6.802 |
6.889 |
6.887 |
6.970 |
6.907 |
6.843 |
| |
|
Deferred Tax Asset |
|
40.178 |
40.732 |
41.298 |
41.200 |
41.447 |
41.182 |
41.594 |
41.886 |
41.230 |
41.276 |
40.736 |
| |
|
Due from FCDU/RBU |
|
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
| |
|
Other Assets |
|
189.558 |
203.714 |
191.863 |
183.338 |
187.516 |
182.507 |
193.334 |
199.807 |
182.461 |
191.882 |
194.947 |
| |
|
|
Allowance for Losses |
|
22.911 |
22.980 |
23.089 |
23.150 |
22.745 |
22.777 |
22.831 |
22.850 |
23.123 |
22.360 |
22.425 |
| |
|
Other Assets - Net |
|
166.647 |
180.734 |
168.775 |
160.188 |
164.771 |
159.730 |
170.503 |
176.957 |
159.338 |
169.522 |
172.521 |
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
LIABILITIES AND CAPITAL |
|
5,894.413 |
5,996.134 |
6,048.275 |
6,010.098 |
6,101.200 |
6,269.955 |
6,118.857 |
6,301.922 |
6,296.187 |
6,249.622 |
6,421.201 |
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
Liability Accounts |
|
5,191.650 |
5,290.272 |
5,327.972 |
5,274.926 |
5,362.625 |
5,524.180 |
5,356.407 |
5,528.232 |
5,530.103 |
5,459.793 |
5,624.786 |
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
Financial Liabilities Held for Trading |
|
46.057 |
45.700 |
45.131 |
57.438 |
41.055 |
37.039 |
64.949 |
68.178 |
47.972 |
59.209 |
40.927 |
| |
Financial Liabilities Designated at Fair Value
through Profit or Loss |
|
6.335 |
6.350 |
6.437 |
6.548 |
6.426 |
6.458 |
6.483 |
6.585 |
6.572 |
6.563 |
6.546 |
| |
Deposit Liabilities |
|
4,336.904 |
4,387.046 |
4,420.263 |
4,318.683 |
4,431.833 |
4,575.288 |
4,376.946 |
4,448.215 |
4,498.013 |
4,420.333 |
4,596.125 |
| |
|
Peso |
|
3,283.533 |
3,343.502 |
3,391.100 |
3,274.471 |
3,384.839 |
3,516.687 |
3,337.738 |
3,407.532 |
3,468.205 |
3,417.066 |
3,558.243 |
| |
|
Demand & NOW |
|
892.661 |
909.313 |
874.745 |
882.415 |
897.643 |
886.690 |
887.448 |
918.284 |
912.712 |
917.680 |
957.511 |
| |
|
Savings Deposits |
|
1,677.900 |
1,719.863 |
1,697.956 |
1,663.427 |
1,713.958 |
1,749.620 |
1,733.752 |
1,748.156 |
1,756.539 |
1,756.595 |
1,782.829 |
| |
|
Time Certificate of Deposits |
|
678.236 |
679.567 |
783.614 |
693.820 |
738.406 |
845.521 |
681.658 |
703.038 |
760.875 |
704.688 |
781.694 |
| |
|
LTNCD |
|
34.737 |
34.760 |
34.784 |
34.808 |
34.832 |
34.856 |
34.880 |
38.055 |
38.079 |
38.104 |
36.209 |
| |
|
Foreign Currency |
|
1,053.370 |
1,043.544 |
1,029.163 |
1,044.213 |
1,046.994 |
1,058.601 |
1,039.208 |
1,040.682 |
1,029.808 |
1,003.267 |
1,037.882 |
| |
Bills Payable |
|
291.556 |
302.822 |
332.405 |
346.953 |
327.301 |
366.917 |
341.068 |
370.943 |
379.000 |
358.005 |
344.300 |
| |
|
Deposit Substitutes |
|
24.983 |
36.610 |
63.504 |
64.876 |
68.908 |
75.612 |
65.867 |
69.687 |
87.450 |
77.388 |
71.728 |
| |
|
Others |
|
266.573 |
266.212 |
268.901 |
282.078 |
258.392 |
291.304 |
275.201 |
301.257 |
291.549 |
280.618 |
272.572 |
| |
Special Financing |
|
0.005 |
0.006 |
0.006 |
0.006 |
0.006 |
0.006 |
0.006 |
0.006 |
0.006 |
0.006 |
0.006 |
| |
|
Time Certificate of Deposits - SF |
|
0.005 |
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 |
| |
Unsecured Subordinated Debt |
|
99.995 |
99.902 |
99.890 |
99.816 |
99.898 |
114.906 |
114.711 |
109.246 |
108.188 |
108.143 |
108.148 |
| |
|
|
Unamortized Debt Discount/Premium |
|
(0.200) |
(0.192) |
(0.186) |
(0.179) |
(0.173) |
(0.170) |
(0.186) |
(0.168) |
(0.163) |
(0.152) |
(0.144) |
| |
Unsecured Subordinated Debt - Net |
|
99.796 |
99.710 |
99.704 |
99.636 |
99.725 |
114.736 |
114.525 |
109.078 |
108.025 |
107.990 |
108.004 |
| |
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 |
| |
Total Other Liabilities |
|
410.996 |
448.638 |
424.025 |
445.661 |
456.280 |
423.736 |
452.430 |
525.227 |
490.516 |
507.686 |
528.878 |
| |
|
Due to Other Banks |
|
25.071 |
29.117 |
21.608 |
20.304 |
26.031 |
23.146 |
21.918 |
28.289 |
36.967 |
21.176 |
21.950 |
| |
|
Bonds Payable |
|
24.349 |
23.961 |
36.882 |
36.380 |
36.763 |
36.831 |
35.819 |
35.938 |
37.162 |
36.227 |
37.094 |
| |
|
|
Unamortized Bond Discount/Premium |
|
(0.080) |
(0.077) |
(0.085) |
(0.082) |
(0.082) |
(0.080) |
(0.147) |
(0.131) |
(0.134) |
(0.128) |
(0.129) |
| |
|
Bonds Payable - Net |
|
24.268 |
23.884 |
36.797 |
36.298 |
36.681 |
36.750 |
35.672 |
35.807 |
37.028 |
36.099 |
36.965 |
| |
|
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 |
| |
|
Derivatives with Negative Fair Value Held for
Hedging |
|
0.448 |
0.430 |
0.420 |
0.407 |
0.410 |
0.429 |
0.408 |
0.466 |
0.477 |
0.456 |
0.483 |
| |
|
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 |
| |
|
Accrued Interest Expense on Financial
Liabilities |
|
13.134 |
13.316 |
11.886 |
12.413 |
13.221 |
12.861 |
12.829 |
13.360 |
11.702 |
12.924 |
13.836 |
| |
|
Finance Lease Payment Payable |
|
0.176 |
0.177 |
0.177 |
0.175 |
0.173 |
0.173 |
0.166 |
0.170 |
0.164 |
0.160 |
0.160 |
| |
|
Due to Treasurer of the Philippines |
|
1.226 |
1.639 |
1.211 |
2.779 |
10.795 |
1.810 |
1.480 |
7.923 |
3.253 |
1.476 |
10.533 |
| |
|
Treasurer/Cashier/Manager's Checks |
|
29.696 |
29.195 |
33.324 |
33.396 |
27.469 |
33.007 |
31.239 |
32.891 |
33.260 |
32.094 |
30.874 |
| |
|
Payment Orders Payable |
|
1.597 |
1.665 |
1.674 |
1.738 |
1.373 |
1.624 |
1.298 |
1.594 |
1.567 |
1.949 |
1.802 |
| |
|
Margin Deposits on LCs and Customers'
Liability on Bills/Drafts under LCs and/or TRs |
|
2.343 |
2.434 |
2.379 |
2.479 |
2.503 |
2.138 |
2.378 |
2.108 |
2.010 |
3.117 |
2.028 |
| |
|
Cash Letters of Credit |
|
6.957 |
6.473 |
6.292 |
5.831 |
5.830 |
4.974 |
5.211 |
4.962 |
5.778 |
5.444 |
5.548 |
| |
|
Outstanding Acceptances Executed by or for
Account of this Bank |
|
6.576 |
8.428 |
7.073 |
5.935 |
7.251 |
9.743 |
8.248 |
7.228 |
7.892 |
7.866 |
10.247 |
| |
|
Due to Bangko Sentral ng Pilipinas |
|
1.044 |
1.170 |
1.375 |
1.525 |
1.647 |
1.777 |
0.651 |
0.343 |
0.354 |
0.369 |
0.394 |
| |
|
Due to Philippine Deposit Insurance
Corporation |
|
0.252 |
0.406 |
0.582 |
0.761 |
0.974 |
1.140 |
0.210 |
0.399 |
0.592 |
0.784 |
0.983 |
| |
|
Due to Philippine Crop Insurance Corporation |
|
0.001 |
0.001 |
0.002 |
0.001 |
0.002 |
0.002 |
0.002 |
0.001 |
0.001 |
0.001 |
0.002 |
| |
|
Income Tax Payable |
|
1.660 |
1.793 |
1.744 |
1.649 |
1.528 |
1.681 |
1.765 |
1.056 |
1.127 |
1.531 |
1.463 |
| |
|
Other Taxes and Licenses Payable |
|
2.505 |
2.325 |
2.350 |
2.322 |
2.227 |
2.317 |
2.300 |
2.236 |
2.249 |
2.348 |
2.336 |
| |
|
Accrued Expenses |
|
25.514 |
25.904 |
25.584 |
27.084 |
27.157 |
28.454 |
26.411 |
27.825 |
28.342 |
29.771 |
28.399 |
| |
|
Unearned Income |
|
11.215 |
11.024 |
10.930 |
10.564 |
10.053 |
11.304 |
10.792 |
10.889 |
10.672 |
10.591 |
10.533 |
| |
|
Deferred Tax Liabilities |
|
4.026 |
4.091 |
4.560 |
4.647 |
4.143 |
4.115 |
5.000 |
5.143 |
4.413 |
4.633 |
4.256 |
| |
|
Provisions |
|
2.279 |
2.087 |
2.077 |
2.108 |
2.055 |
1.954 |
1.993 |
2.175 |
2.214 |
2.227 |
2.257 |
| |
|
Other Liabilities |
|
158.987 |
177.166 |
152.767 |
161.242 |
177.347 |
168.881 |
166.337 |
201.316 |
160.120 |
171.321 |
196.987 |
| |
|
Due to Head Office/Branches/Agencies
(Philippine branch of a foreign bank) |
|
92.022 |
105.913 |
99.212 |
112.001 |
97.412 |
75.457 |
116.120 |
139.046 |
140.334 |
161.348 |
146.843 |
| |
|
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 |
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
Capital Accounts |
|
702.763 |
705.862 |
720.304 |
735.172 |
738.575 |
745.775 |
762.449 |
773.689 |
766.084 |
789.829 |
796.415 |
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
Paid in Capital Stock |
|
249.685 |
249.685 |
249.915 |
249.915 |
250.973 |
252.756 |
253.829 |
257.212 |
260.067 |
260.067 |
261.554 |
| |
Additional Paid-in Capital |
|
73.623 |
73.623 |
74.739 |
74.682 |
75.096 |
75.382 |
75.383 |
75.383 |
78.290 |
78.290 |
78.286 |
| |
Other Equity Instruments |
|
27.545 |
27.298 |
27.236 |
27.029 |
27.187 |
27.215 |
26.797 |
26.846 |
27.352 |
26.966 |
27.324 |
| |
Retained Earnings |
|
228.501 |
226.809 |
229.194 |
225.677 |
223.341 |
214.248 |
213.523 |
208.927 |
208.433 |
207.563 |
207.080 |
| |
Stock Dividend Distributable |
|
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
1.073 |
0.837 |
0.837 |
0.057 |
0.057 |
0.057 |
| |
Undivided Profits |
|
8.840 |
14.124 |
17.377 |
25.374 |
32.367 |
39.837 |
47.211 |
55.118 |
60.501 |
70.315 |
76.704 |
| |
Other Comprehensive Income |
|
13.558 |
5.555 |
9.780 |
20.707 |
19.027 |
24.520 |
34.287 |
37.794 |
19.460 |
34.734 |
33.723 |
| |
Appraisal Increment Reserve |
|
1.743 |
1.728 |
1.685 |
1.710 |
1.710 |
1.611 |
1.611 |
1.611 |
1.556 |
1.556 |
1.556 |
| |
Treasury Stock |
|
(0.973) |
(0.973) |
(0.202) |
(0.202) |
(0.202) |
(0.079) |
(0.080) |
(0.080) |
(0.021) |
(0.021) |
(0.021) |
| |
Assigned Capital |
|
24.340 |
24.340 |
24.953 |
24.950 |
24.953 |
24.953 |
24.953 |
24.953 |
24.953 |
24.953 |
24.953 |
| |
Net Due to HO/Br/Ag |
|
75.901 |
83.673 |
85.626 |
85.328 |
84.123 |
84.259 |
84.098 |
85.087 |
85.434 |
85.349 |
85.199 |
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
Key
Ratios |
|
|
|
|
|
|
|
|
|
|
|
|
| |
Cash and Due from Banks to Deposits |
|
25.29 |
26.07
|
27.40
|
25.02
|
24.43
|
24.83
|
24.04
|
25.69
|
26.71 |
26.20
|
26.85
|
| |
Liquid Assets to Deposits 2/ |
|
62.15 |
61.66
|
63.33
|
62.45
|
60.47
|
60.00
|
60.23
|
61.43
|
61.86 |
61.03
|
59.91
|
| |
Loans, gross to Deposits |
|
62.97 |
64.07
|
62.95
|
66.06
|
66.60
|
66.87
|
68.74
|
69.41
|
67.85 |
69.65
|
69.38
|
| |
Capital Adequacy Ratio (CAR) 3/ |
|
|
|
|
|
|
|
|
|
|
|
|
| |
|
|
Solo Basis |
|
|
|
16.42
|
|
|
|
|
|
|
|
|
| |
|
|
Consolidated Basis |
|
|
|
17.42
|
|
|
|
|
|
|
|
|
| |
Total Capital Accounts to Total Assets 4/ |
|
11.92 |
11.77
|
11.91
|
12.23
|
12.11
|
11.89
|
12.46
|
12.28
|
12.17 |
12.64
|
12.40
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
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 |
| |
r/
Revised |
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
Note:
Details may not add up to totals due to rounding-off |
| |
Source
: Supervisory Data Center, Supervision and Examination Sector |
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Updated as of 23 December 2011 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|