| 21
CONSOLIDATED STATEMENT OF CONDITION
AND KEY RATIOS |
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| Universal Banking System 1/ |
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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 |
Oct-11 |
Nov-11 |
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Asset
Accounts 2/ |
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5,065.301 |
5,155.326 |
5,243.458 |
5,160.369
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5,282.022
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5,466.473
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5,263.975
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5,433.737
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5,445.275
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5,388.451 |
5,533.048
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Cash and Due from Banks |
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920.458 |
974.092 |
1,057.644 |
927.262 |
931.832 |
989.650 |
884.009 |
961.458 |
1,026.737 |
941.377 |
1,029.214 |
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Financial
Assets, Excl of Equity Investments in
Subs., Assoc. and Joint Vent (Net of Amortization) |
|
1,411.035 |
1,388.936 |
1,403.584 |
1,405.957 |
1,399.174 |
1,399.040 |
1,374.686 |
1,379.709 |
1,387.856 |
1,346.634 |
1,330.760 |
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Financial Assets Held for Trading (HFT) |
|
147.875 |
124.888 |
126.117 |
140.071 |
139.713 |
156.425 |
164.838 |
172.346 |
152.170 |
154.194 |
155.847 |
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Financial Assets Designated at Fair Value
through Profit or Loss - Debt Sect |
|
7.847 |
7.290 |
7.359 |
6.484 |
6.576 |
6.518 |
6.373 |
8.496 |
8.587 |
9.564 |
8.995 |
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AFS Financial Assets, Net of Amortization |
|
631.404 |
629.071 |
633.608 |
658.543 |
651.379 |
653.353 |
620.406 |
620.150 |
638.766 |
666.235 |
642.006 |
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AFS Debt
Securities |
|
607.188 |
605.193 |
609.315 |
630.976 |
626.077 |
626.651 |
594.194 |
591.102 |
609.549 |
636.600 |
612.280 |
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Unamortized
Discount/Premium |
|
16.285 |
16.409 |
16.813 |
20.102 |
17.857 |
19.059 |
18.793 |
21.636 |
22.072 |
22.806 |
22.873 |
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AFS-Debt
Securities Net of Amortization |
|
623.473 |
621.601 |
626.128 |
651.079 |
643.933 |
645.710 |
612.986 |
612.737 |
631.621 |
659.407 |
635.153 |
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AFS-Equity
Securities |
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7.931 |
7.470 |
7.480 |
7.465 |
7.445 |
7.642 |
7.419 |
7.413 |
7.145 |
6.829 |
6.853 |
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Held-to-Maturity (HTM) Financial Assets |
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449.540 |
455.416 |
463.317 |
431.114 |
431.945 |
416.721 |
418.602 |
416.828 |
423.766 |
369.021 |
372.802 |
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Unamortized Discount/Premium |
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8.572 |
8.776 |
8.995 |
4.770 |
4.887 |
3.075 |
2.108 |
2.178 |
3.069 |
3.256 |
3.515 |
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HTM Financial Assets - Net of Amortization |
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458.112 |
464.192 |
472.312 |
435.883 |
436.832 |
419.796 |
420.710 |
419.005 |
426.835 |
372.276 |
376.318 |
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Unquoted Debt Securities Classified as Loans |
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167.767 |
164.922 |
165.233 |
165.540 |
165.027 |
163.339 |
162.233 |
159.390 |
161.328 |
143.468 |
146.873 |
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Unamortized Discount/Premium |
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(25.486) |
(24.837) |
(24.429) |
(23.829) |
(23.749) |
(23.476) |
(22.726) |
(22.552) |
(22.903) |
(22.227) |
(22.519) |
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Unquoted Debt Securities Classified as Loans
-Net of Amortization |
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142.281 |
140.085 |
140.805 |
141.711 |
141.279 |
139.863 |
139.507 |
136.838 |
138.424 |
121.240 |
124.354 |
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Investment in Non-Markeatable Equity
Securities (INMES) |
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23.516 |
23.410 |
23.382 |
23.264 |
23.395 |
23.085 |
22.852 |
22.875 |
23.073 |
23.125 |
23.240 |
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Accumulated Market Gain (Losses) -Financial
Assets |
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16.863 |
9.532 |
14.053 |
23.124 |
20.808 |
26.600 |
33.926 |
37.254 |
20.112 |
33.007 |
32.285 |
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Allowance for Credit Losses-Financial Assets |
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23.689 |
23.093 |
23.274 |
21.596 |
21.248 |
21.539 |
21.469 |
21.478 |
21.514 |
21.462 |
21.604 |
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Allowance for Credit Losses-AFS |
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5.715 |
5.107 |
5.121 |
3.645 |
3.166 |
3.301 |
3.225 |
3.082 |
3.044 |
2.991 |
3.052 |
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Allowance for Credit Losses-HTM |
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0.914 |
0.900 |
0.896 |
0.628 |
0.418 |
0.464 |
0.451 |
0.409 |
0.422 |
0.409 |
0.418 |
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Allowance for Credit Losses-Unquoted Debt
Securities Classified as Loans |
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13.502 |
13.529 |
13.697 |
13.763 |
14.040 |
14.152 |
14.221 |
14.416 |
14.479 |
14.494 |
14.565 |
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Allowance for Credit Losses- INMES |
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3.557 |
3.557 |
3.560 |
3.561 |
3.624 |
3.622 |
3.572 |
3.572 |
3.569 |
3.569 |
3.570 |
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Financial Assets -Net of Allowance for Credit
Losses |
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1,404.209 |
1,375.375 |
1,394.363 |
1,407.485 |
1,398.734 |
1,404.100 |
1,387.143 |
1,395.485 |
1,386.453 |
1,358.179 |
1,341.440 |
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Equity Investments In Subsidiaries, Assoc.
& Joint Vent. |
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129.275 |
129.546 |
130.720 |
131.940 |
133.331 |
134.808 |
135.799 |
136.469 |
138.056 |
137.861 |
140.528 |
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Allowance for Credit
Losses-Equity Investment in Subsidiaries, Assoc. and Joint Vent |
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1.153 |
1.153 |
1.153 |
1.153 |
1.155 |
1.155 |
1.155 |
1.155 |
1.155 |
1.155 |
1.155 |
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Equity Investments In Subsidiaries, Assoc.
& Joint Vent.(Net of Allow. For Credit Losses) |
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128.122 |
128.393 |
129.568 |
130.788 |
132.176 |
133.653 |
134.644 |
135.314 |
136.901 |
136.705 |
139.373 |
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Total Loan Portfolio, gross (net of
amortization) |
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2,332.395 |
2,395.924 |
2,383.210 |
2,422.806 |
2,536.201 |
2,666.656 |
2,581.642 |
2,653.135 |
2,626.771 |
2,674.410 |
2,749.330 |
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Loans and Receivables, gross (net of
amortization) |
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2,198.523 |
2,232.425 |
2,243.772 |
2,289.513 |
2,374.842 |
2,465.603 |
2,429.490 |
2,470.145 |
2,483.620 |
2,491.491 |
2,576.321 |
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Loans to Bangko Sentral ng Pilipinas |
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0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
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Interbank Loans Receivable |
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156.938 |
166.925 |
154.805 |
151.156 |
151.870 |
164.895 |
147.892 |
149.107 |
141.421 |
132.504 |
138.798 |
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Loans and Receivables -Others |
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2,052.774 |
2,076.711 |
2,100.301 |
2,149.732 |
2,235.066 |
2,312.768 |
2,293.687 |
2,333.174 |
2,354.284 |
2,371.020 |
2,449.668 |
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Unamortized Discount and Other Deferred Credits |
|
11.189 |
11.211 |
11.334 |
11.375 |
12.095 |
12.060 |
12.089 |
12.137 |
12.085 |
12.033 |
12.145 |
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Loans and Receivables - Others - Net of Amortization |
|
2,041.585 |
2,065.500 |
2,088.967 |
2,138.357 |
2,222.971 |
2,300.708 |
2,281.598 |
2,321.037 |
2,342.199 |
2,358.987 |
2,437.523 |
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Loans and
Receivables Arising from Repurchase Agreements, Certificates of
Assignment/Participation with Recourse, and Securities Lending and Borrowing
Transactions |
|
133.872 |
163.499 |
139.438 |
133.293 |
161.359 |
201.053 |
152.152 |
182.990 |
143.151 |
182.919 |
173.009 |
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Allowance for Credit Losses-Loans |
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102.603 |
104.045 |
104.774 |
105.448 |
105.360 |
105.555 |
106.023 |
107.202 |
108.073 |
108.207 |
108.998 |
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Allowance for Credit Losses-Interbank Loans
Receivable |
|
0.382 |
0.372 |
0.372 |
0.380 |
0.381 |
0.362 |
0.362 |
0.362 |
0.361 |
0.361 |
0.351 |
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Allowance for Credit Losses-Loans and
Receivables -Other |
|
76.530 |
75.925 |
76.154 |
76.529 |
75.882 |
75.929 |
76.078 |
76.962 |
78.113 |
78.278 |
78.451 |
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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 |
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General Loan Loss Provision (GLLP) |
|
25.691 |
27.748 |
28.247 |
28.540 |
29.097 |
29.264 |
29.583 |
29.878 |
29.600 |
29.568 |
30.196 |
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Total Loan Portfolio, Net of Allowance for
Credit Losses |
|
2,229.792 |
2,291.879 |
2,278.436 |
2,317.358 |
2,430.840 |
2,561.101 |
2,475.620 |
2,545.932 |
2,518.698 |
2,566.204 |
2,640.331 |
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Total ROPA |
|
122.834 |
122.386 |
120.917 |
119.951 |
119.553 |
118.017 |
117.200 |
115.967 |
115.002 |
113.935 |
112.966 |
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Sales Contract Receivable |
|
14.529 |
14.301 |
14.442 |
14.367 |
14.074 |
13.534 |
13.442 |
13.232 |
13.162 |
13.298 |
12.719 |
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Non-Current Assets Held for Sale |
|
12.480 |
12.428 |
11.948 |
11.757 |
11.300 |
11.209 |
11.545 |
11.669 |
11.602 |
11.701 |
11.471 |
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Real and Other Properties Acquired |
|
95.825 |
95.657 |
94.527 |
93.827 |
94.179 |
93.275 |
92.213 |
91.066 |
90.238 |
88.937 |
88.776 |
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Accumulated Depreciation |
|
11.427 |
11.436 |
11.316 |
11.151 |
11.093 |
10.903 |
10.890 |
10.841 |
10.770 |
10.735 |
10.726 |
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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 |
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Allowance for Losses - ROPA |
|
14.486 |
14.677 |
14.970 |
15.094 |
15.063 |
14.919 |
14.923 |
15.078 |
15.172 |
15.151 |
15.124 |
| |
|
Allowance for Credit Losses- Sales Contract
Receivable |
|
0.166 |
0.179 |
0.355 |
0.358 |
0.357 |
0.357 |
0.349 |
0.347 |
0.349 |
0.347 |
0.344 |
| |
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Allowance for Losses -Real and Other
Properties Acquired |
|
11.324 |
11.398 |
11.554 |
11.676 |
11.656 |
11.521 |
11.524 |
11.663 |
11.700 |
11.503 |
11.647 |
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Allowance for Credit Losses -Non Current
Assets held for Sale |
|
2.996 |
3.100 |
3.062 |
3.060 |
3.051 |
3.041 |
3.050 |
3.068 |
3.123 |
3.302 |
3.133 |
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ROPA, Net of Allowance for Losses |
|
96.855 |
96.210 |
94.569 |
93.646 |
93.339 |
92.136 |
91.328 |
89.991 |
89.003 |
87.992 |
87.059 |
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Total Other Assets, Net |
|
285.865 |
289.378 |
288.880 |
283.831 |
295.100 |
285.834 |
291.231 |
305.557 |
287.483 |
297.994 |
295.631 |
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Derivatives with Positive Fair Value Held for
Hedging |
|
0.001 |
0.001 |
0.001 |
0.001 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
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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 |
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Goodwill |
|
14.509 |
14.509 |
14.509 |
14.509 |
14.509 |
14.509 |
14.509 |
14.509 |
14.509 |
14.509 |
14.509 |
| |
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Allowance for
Losses |
|
1.095 |
1.108 |
1.120 |
1.133 |
1.145 |
1.158 |
1.170 |
1.183 |
1.195 |
1.208 |
1.220 |
| |
|
Goodwill - Net |
|
13.414 |
13.401 |
13.389 |
13.376 |
13.364 |
13.351 |
13.339 |
13.326 |
13.314 |
13.301 |
13.289 |
| |
|
Accrued Interest Income from Financial Assets |
|
40.794 |
40.646 |
37.919 |
40.619 |
43.237 |
43.113 |
39.789 |
41.120 |
39.396 |
41.398 |
43.145 |
| |
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Allowance for Credit Losses |
|
3.858 |
3.851 |
3.873 |
3.840 |
3.752 |
3.905 |
3.890 |
3.894 |
3.888 |
3.897 |
3.985 |
| |
|
Accrued Interest Income from Financial Assets,
net |
|
36.936 |
36.795 |
34.046 |
36.779 |
39.485 |
39.209 |
35.899 |
37.225 |
35.507 |
37.501 |
39.160 |
| |
|
Bank Premises, Furniture, Fixture and
Equipment |
|
139.106 |
137.974 |
138.070 |
138.527 |
139.137 |
139.306 |
139.972 |
140.674 |
141.584 |
140.621 |
141.497 |
| |
|
|
Accumulated Depreciation |
|
63.141 |
62.200 |
62.397 |
62.815 |
63.381 |
63.527 |
64.094 |
64.512 |
64.962 |
63.841 |
64.083 |
| |
|
|
Allowance for Losses |
|
1.615 |
1.622 |
1.661 |
1.661 |
1.661 |
1.636 |
1.636 |
1.636 |
1.636 |
1.636 |
1.636 |
| |
|
Bank Premises, Furniture, Fixture and
Equipment - Net |
|
74.349 |
74.151 |
74.011 |
74.051 |
74.095 |
74.143 |
74.243 |
74.527 |
74.985 |
75.143 |
75.778 |
| |
|
Other Intangible Assets |
|
6.943 |
6.971 |
9.061 |
9.231 |
9.263 |
9.393 |
9.502 |
9.515 |
9.597 |
9.635 |
9.611 |
| |
|
|
Accumulated Amortization |
|
2.860 |
2.905 |
2.968 |
3.019 |
3.071 |
3.216 |
3.294 |
3.352 |
3.410 |
3.495 |
3.553 |
| |
|
|
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 |
|
4.078 |
4.061 |
6.088 |
6.207 |
6.187 |
6.173 |
6.202 |
6.158 |
6.182 |
6.135 |
6.053 |
| |
|
Deferred Tax Asset |
|
33.602 |
34.132 |
34.719 |
34.555 |
34.799 |
34.454 |
34.976 |
35.239 |
34.401 |
34.449 |
33.891 |
| |
|
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 |
|
141.853 |
145.217 |
144.907 |
137.294 |
145.256 |
136.643 |
144.760 |
157.164 |
141.501 |
150.057 |
146.111 |
| |
|
|
Allowance for Losses |
|
18.562 |
18.573 |
18.471 |
18.607 |
18.258 |
18.301 |
18.349 |
18.289 |
18.618 |
18.809 |
18.852 |
| |
|
Other Assets - Net |
|
123.292 |
126.644 |
126.436 |
118.687 |
126.998 |
118.342 |
126.411 |
138.875 |
122.883 |
131.248 |
127.259 |
| |
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|
| |
LIABILITIES AND CAPITAL |
|
5,065.301 |
5,155.326 |
5,243.458 |
5,160.369 |
5,282.022 |
5,466.473 |
5,263.975 |
5,433.737 |
5,445.275 |
5,388.451 |
5,533.048 |
| |
|
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|
| |
Liability Accounts |
|
4,476.296 |
4,570.713 |
4,647.466 |
4,548.663 |
4,663.444 |
4,842.364 |
4,625.830 |
4,785.559 |
4,804.132 |
4,725.700 |
4,864.568 |
| |
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|
|
|
|
|
|
|
| |
Financial Liabilities Held for Trading |
|
32.213 |
32.495 |
31.643 |
42.545 |
33.365 |
29.035 |
54.585 |
57.774 |
39.286 |
47.042 |
33.558 |
| |
Financial Liabilities Designated at Fair Value
through Profit or Loss |
|
6.324 |
6.339 |
6.394 |
6.505 |
6.365 |
6.412 |
6.437 |
6.539 |
6.525 |
6.516 |
6.500 |
| |
Deposit Liabilities |
|
3,771.427 |
3,837.179 |
3,876.189 |
3,768.202 |
3,866.470 |
4,028.619 |
3,803.541 |
3,872.465 |
3,948.834 |
3,867.055 |
4,030.422 |
| |
|
Peso |
|
2,902.060 |
2,976.325 |
3,027.417 |
2,903.716 |
2,998.911 |
3,135.298 |
2,937.877 |
3,001.348 |
3,082.187 |
3,023.006 |
3,159.944 |
| |
|
Demand & NOW |
|
752.623 |
766.981 |
740.860 |
741.259 |
751.467 |
745.104 |
744.668 |
764.115 |
768.545 |
773.989 |
807.107 |
| |
|
Savings Deposits |
|
1,545.854 |
1,599.799 |
1,577.869 |
1,548.052 |
1,585.462 |
1,620.935 |
1,596.367 |
1,605.239 |
1,627.150 |
1,622.828 |
1,655.608 |
| |
|
Time Certificate of Deposits |
|
572.389 |
578.339 |
677.468 |
583.172 |
630.735 |
737.997 |
565.568 |
597.556 |
652.041 |
591.724 |
664.669 |
| |
|
LTNCD |
|
31.194 |
31.207 |
31.220 |
31.233 |
31.247 |
31.261 |
31.274 |
34.438 |
34.451 |
34.465 |
32.559 |
| |
|
Foreign Currency |
|
869.367 |
860.854 |
848.772 |
864.486 |
867.560 |
893.321 |
865.664 |
871.117 |
866.647 |
844.048 |
870.478 |
| |
Bills Payable |
|
266.176 |
274.553 |
303.945 |
315.618 |
294.584 |
332.425 |
307.538 |
334.456 |
341.666 |
324.579 |
312.360 |
| |
|
Deposit Substitutes |
|
23.354 |
34.217 |
61.648 |
63.104 |
66.919 |
73.787 |
61.027 |
61.220 |
80.406 |
72.126 |
67.595 |
| |
|
Others |
|
242.822 |
240.336 |
242.297 |
252.514 |
227.665 |
258.638 |
246.511 |
273.236 |
261.260 |
252.453 |
244.765 |
| |
Special Financing |
|
0.004 |
0.005 |
0.005 |
0.005 |
0.005 |
0.005 |
0.005 |
0.005 |
0.005 |
0.005 |
0.005 |
| |
|
Time Certificate of Deposits - SF |
|
0.004 |
0.005 |
0.005 |
0.005 |
0.005 |
0.005 |
0.005 |
0.005 |
0.005 |
0.005 |
0.005 |
| |
|
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 |
|
95.600 |
95.496 |
95.471 |
95.385 |
95.454 |
110.450 |
110.242 |
104.764 |
103.693 |
103.635 |
103.636 |
| |
|
|
Unamortized Debt Discount/Premium |
|
(0.199) |
(0.191) |
(0.185) |
(0.179) |
(0.172) |
(0.169) |
(0.186) |
(0.167) |
(0.163) |
(0.152) |
(0.144) |
| |
Unsecured Subordinated Debt - Net |
|
95.402 |
95.305 |
95.286 |
95.206 |
95.281 |
110.281 |
110.057 |
104.597 |
103.531 |
103.483 |
103.492 |
| |
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 |
|
304.750 |
324.838 |
334.005 |
320.583 |
367.373 |
335.588 |
343.668 |
409.724 |
364.285 |
377.020 |
378.232 |
| |
|
Due to Other Banks |
|
4.459 |
5.092 |
3.534 |
2.522 |
2.818 |
2.804 |
4.838 |
3.524 |
2.149 |
2.609 |
2.331 |
| |
|
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 |
0.446 |
| |
|
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 |
|
11.569 |
11.780 |
10.465 |
10.879 |
11.553 |
11.064 |
11.303 |
11.718 |
10.261 |
11.353 |
12.099 |
| |
|
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 |
|
1.137 |
1.550 |
1.121 |
2.689 |
10.705 |
1.720 |
1.384 |
7.828 |
3.159 |
1.382 |
10.438 |
| |
|
Treasurer/Cashier/Manager's Checks |
|
22.784 |
22.272 |
25.617 |
25.100 |
21.763 |
24.700 |
24.293 |
26.579 |
26.017 |
24.703 |
24.235 |
| |
|
Payment Orders Payable |
|
1.338 |
1.303 |
1.420 |
1.401 |
1.215 |
1.410 |
1.125 |
1.342 |
1.406 |
1.773 |
1.452 |
| |
|
Margin Deposits on LCs and Customers'
Liability on Bills/Drafts under LCs and/or TRs |
|
2.237 |
2.332 |
2.272 |
2.361 |
2.186 |
2.070 |
2.305 |
2.070 |
1.982 |
2.569 |
2.009 |
| |
|
Cash Letters of Credit |
|
3.964 |
3.487 |
3.324 |
2.960 |
2.990 |
2.143 |
2.470 |
2.212 |
2.934 |
2.674 |
2.720 |
| |
|
Outstanding Acceptances Executed by or for
Account of this Bank |
|
5.992 |
7.696 |
6.403 |
5.186 |
6.225 |
9.138 |
7.204 |
6.227 |
7.070 |
7.054 |
9.102 |
| |
|
Due to Bangko Sentral ng Pilipinas |
|
0.926 |
1.034 |
1.218 |
1.351 |
1.497 |
1.611 |
0.580 |
0.272 |
0.282 |
0.297 |
0.323 |
| |
|
Due to Philippine Deposit Insurance
Corporation |
|
0.219 |
0.394 |
0.555 |
0.729 |
0.915 |
1.060 |
0.193 |
0.366 |
0.533 |
0.708 |
0.892 |
| |
|
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 |
|
1.253 |
1.408 |
1.337 |
1.507 |
1.403 |
1.494 |
1.621 |
0.928 |
1.016 |
1.415 |
1.361 |
| |
|
Other Taxes and Licenses Payable |
|
2.024 |
1.880 |
1.889 |
1.938 |
1.818 |
1.879 |
1.857 |
1.788 |
1.776 |
1.865 |
1.890 |
| |
|
Accrued Expenses |
|
21.776 |
22.185 |
21.927 |
23.198 |
23.510 |
24.572 |
23.639 |
24.229 |
24.510 |
25.707 |
24.833 |
| |
|
Unearned Income |
|
4.131 |
4.043 |
4.031 |
3.756 |
3.354 |
3.640 |
3.260 |
3.431 |
3.392 |
3.413 |
3.461 |
| |
|
Deferred Tax Liabilities |
|
2.859 |
2.925 |
3.388 |
3.477 |
2.974 |
2.945 |
3.831 |
3.991 |
3.260 |
3.477 |
3.100 |
| |
|
Provisions |
|
2.160 |
1.983 |
1.976 |
2.004 |
1.948 |
1.846 |
1.882 |
1.909 |
1.940 |
1.950 |
1.980 |
| |
|
Other Liabilities |
|
134.449 |
137.326 |
129.320 |
133.524 |
157.024 |
143.576 |
140.452 |
176.280 |
139.765 |
149.783 |
158.061 |
| |
|
Due to Head Office/Branches/Agencies
(Philippine branch of a foreign bank) |
|
56.579 |
71.655 |
76.812 |
59.120 |
76.211 |
60.563 |
75.181 |
98.586 |
95.165 |
97.571 |
80.375 |
| |
|
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 |
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
Capital Accounts |
|
589.005 |
584.613 |
595.992 |
611.706 |
618.577 |
624.109 |
638.145 |
648.178 |
641.143 |
662.752 |
668.481 |
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
Paid in Capital Stock |
|
202.869 |
202.869 |
203.099 |
203.099 |
203.099 |
202.976 |
204.049 |
207.432 |
209.476 |
209.476 |
209.476 |
| |
Additional Paid-in Capital |
|
65.925 |
65.925 |
67.041 |
66.984 |
66.982 |
66.982 |
66.984 |
66.984 |
69.252 |
69.252 |
69.248 |
| |
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 |
|
222.796 |
221.252 |
223.694 |
221.467 |
218.450 |
210.195 |
209.290 |
204.972 |
204.612 |
203.801 |
203.687 |
| |
Stock Dividend Distributable |
|
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
1.073 |
0.837 |
0.837 |
0.000 |
0.000 |
0.000 |
| |
Undivided Profits |
|
8.721 |
13.841 |
16.651 |
24.408 |
31.113 |
38.281 |
45.375 |
52.742 |
58.150 |
67.031 |
73.105 |
| |
Other Comprehensive Income |
|
14.901 |
7.195 |
11.310 |
21.759 |
19.836 |
25.354 |
32.779 |
36.331 |
20.208 |
34.132 |
33.547 |
| |
Appraisal Increment Reserve |
|
1.334 |
1.319 |
1.276 |
1.276 |
1.276 |
1.276 |
1.276 |
1.276 |
1.276 |
1.276 |
1.276 |
| |
Treasury Stock |
|
(0.953) |
(0.953) |
(0.182) |
(0.182) |
(0.182) |
(0.059) |
(0.059) |
(0.059) |
0.000 |
0.000 |
0.000 |
| |
Assigned Capital |
|
11.467 |
11.467 |
11.467 |
11.467 |
12.704 |
12.704 |
12.704 |
12.704 |
12.704 |
12.704 |
12.704 |
| |
Net Due to HO/Br/Ag |
|
34.40
|
34.40 |
34.400 |
34.400 |
38.113 |
38.113 |
38.113 |
38.113 |
38.113 |
38.113 |
38.113 |
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
Key
Ratios |
|
|
|
|
|
|
|
|
|
|
|
|
| |
Cash and Due from Banks to Deposits |
|
24.41
|
25.39 |
27.29
|
24.61
|
24.10
|
24.57
|
23.24
|
24.83
|
26.00
|
24.34
|
25.54
|
| |
Liquid Assets to Deposits 3/ |
|
61.64
|
61.23 |
63.26
|
61.96
|
60.28
|
59.42
|
59.71
|
60.86
|
61.11
|
59.47
|
58.82
|
| |
Loans, gross to Deposits |
|
61.84
|
62.44 |
61.48
|
64.30
|
65.59
|
66.19
|
67.87
|
68.51
|
66.52
|
69.16
|
68.21
|
| |
Capital Adequacy Ratio (CAR) 4/ |
|
|
|
|
|
|
|
|
|
|
|
|
| |
|
|
Solo Basis |
|
|
|
15.75
|
|
|
|
|
|
|
|
|
| |
|
|
Consolidated Basis |
|
|
|
17.02
|
|
|
|
|
|
|
|
|
| |
Total Capital Accounts to Total Assets 5/ |
|
11.63
|
11.34 |
11.37
|
11.85
|
11.71
|
11.42
|
12.12
|
11.93
|
11.77
|
12.30
|
12.08
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
1/ Inclusive
of foreign banks and government banks with universal banking license |
| |
2/ Figures adjusted to net off the account "Due from
Head Office" with "Due to Head Office" of branches of foreign
banks |
| |
3/ Ratio of
Liquid Assets (Cash and Due from Banks + Financial Assets, Net of Allowance
for Credit Losses) to Total Deposits |
| |
4/ 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. |
| |
5/ 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 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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|
|
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|