| |
|
|
|
|
|
| 22 CONSOLIDATED
STATEMENT OF INCOME AND EXPENSES AND KEY RATIOS |
|
| Universal Banking System1/ |
|
|
| for the periods indicated |
|
|
| in billion pesos |
|
|
| |
|
|
|
|
|
| |
Selected Accounts |
UNIVERSAL BANKS |
| |
| |
Mar-10 |
Jun-10 |
| |
|
|
|
|
|
| |
|
|
|
|
|
| |
Income and Expense Accounts |
|
|
| |
|
Interest Income |
57.706 |
116.910 |
| |
|
Interest Expense |
20.171 |
39.883 |
| |
|
Provision for Losses on Accrued Interest
Income from Financial Assets |
0.000 |
0.000 |
| |
Net Interest Income |
37.534 |
77.027 |
| |
Non-Interest Income |
21.066 |
40.641 |
| |
|
Dividend Income |
0.122 |
0.981 |
| |
|
Fees and Commissions Income |
8.264 |
16.726 |
| |
|
|
Payment Services |
0.375 |
0.764 |
| |
|
|
Intermediation Services |
3.463 |
6.932 |
| |
|
|
Custodianship |
0.054 |
0.108 |
| |
|
|
Underwriting and Securities Dealership |
0.060 |
0.158 |
| |
|
|
Securitization Activities |
0.000 |
0.000 |
| |
|
|
Income from Fiduciary Activities |
1.457 |
2.927 |
| |
|
|
Others |
2.855 |
5.838 |
| |
|
Gains/(Losses) on Financial Assets and
Liabilities Held for Trading |
0.845 |
9.953 |
| |
|
Gains/(Losses) on Financial Assets and
Liabilities Designated at Fair Value through Profit or Loss |
0.085 |
0.114 |
| |
|
Foreign Exchange Profit/(Loss) |
4.156 |
(1.272) |
| |
|
Gains/(Losses) from
Sale/Redemption/Derecognition of Non-Trading Financial Assets and Liabilities |
3.462 |
6.972 |
| |
|
Gains/(Losses)
on Fair Value Adjustment in Hedge Accounting |
0.006 |
0.013 |
| |
|
Gains/(Losses)
from Sale/Derecognition of Non-Financial Assets |
1.475 |
2.727 |
| |
|
|
Bank Premises, Furniture,
Fixture and Equipment |
0.074 |
0.097 |
| |
|
|
ROPA |
1.401 |
2.630 |
| |
|
|
Goodwill |
0.000 |
0.000 |
| |
|
|
Other Intangibles |
0.000 |
0.000 |
| |
|
Other Income |
2.650 |
4.427 |
| |
Non-Interest Expense |
37.461 |
73.740 |
| |
|
Compensation/Fringe Benefits |
11.878 |
25.302 |
| |
|
Taxes and Licenses |
3.824 |
7.268 |
| |
|
Fees and Commissions Expenses |
0.713 |
1.521 |
| |
|
Other Administrative Expenses |
15.214 |
30.513 |
| |
|
Depreciation/Amortization |
3.546 |
6.160 |
| |
|
Impairment Losses |
0.020 |
0.112 |
| |
|
|
Investment in
Subsidiaries, Associates and Joint Ventures |
0.000 |
0.000 |
| |
|
|
Bank Premises, Furniture,
Fixture and Equipment |
0.000 |
0.000 |
| |
|
|
ROPA |
0.020 |
0.112 |
| |
|
|
Goodwill |
0.000 |
0.000 |
| |
|
|
Other Intangible Assets |
0.000 |
0.000 |
| |
|
|
Other Assets |
0.000 |
0.000 |
| |
|
Provisions |
2.266 |
2.864 |
| |
Losses/Recoveries on Financial Assets |
(4.183) |
(9.618) |
| |
|
Provision for
Credit Losses on Loans and Receivables and Other Financial Assets |
(3.461) |
(8.301) |
| |
|
Bad Debts
Written Off |
(0.941) |
(1.805) |
| |
|
Recovery on
Charged-Off Assets |
0.219 |
0.488 |
| |
Net Profit
Before Share in the Profit/(Loss) of Unconsolidated Subsidiaries, Associates
and Joint Ventures Accounted for Using the Equity Method |
16.957 |
34.310 |
| |
Share in the
Profit/(Loss) of Unconsolidated Subsidiaries, Associates and Joint Ventures
Accounted for Using the Equity Method |
1.904 |
4.681 |
| |
|
Share in the
Profit/(Loss) of Unconsolidated Subsidiaries |
1.683 |
4.041 |
| |
|
Share in the
Profit/(Loss) of Associates |
0.221 |
0.640 |
| |
|
Share in the
Profit/(Loss) of Joint Ventures |
0.000 |
0.000 |
| |
Total
Profit/Loss Before Tax and Before Minority Interest |
18.861 |
38.991 |
| |
|
Income Tax
Expense |
2.563 |
5.334 |
| |
Total
Profit/Loss After Tax and Before Minority Interest |
16.299 |
33.657 |
| |
|
Minority
Interest in Profit/(Loss) of Subsidiaries (for consolidated report only) |
0.000 |
0.000 |
| |
Net Profit or
Loss |
16.299 |
33.657 |
| |
|
|
|
|
|
| |
Key
Ratios |
|
|
| |
Earning Asset Yield
2/ |
6.50 |
6.34 |
| |
Funding Cost 3/ |
2.15 |
2.09 |
| |
Interest Spread
4/ |
4.34 |
4.25 |
| |
Net Interest Margin 5/ |
5.08 |
4.13 |
| |
Net Interest Income to Total Operating
Income |
65.36 |
64.21 |
| |
Cost to Income Ratio
6/ |
63.44 |
61.96 |
| |
Return on Assets |
1.38 |
1.41 |
| |
Return on Equity |
13.05 |
12.95 |
| |
|
|
|
|
|
| |
1/ Inclusive of branches of foreign banks and government
banks with universal banking license |
| |
2/ Ratio of Annualized Interest Income to Average Earning
Assets (Total Loan Portfolio, Net of Amortization + AFS Debt Securities, Net
of Amortization + HTM Financial Assets, Net of Amortization + Unquoted Debt
Securities Classified as Loans, Net of Amortization + Financial Assets Held
for Trading - Held for Trading Equity Securities + Financial Assets
Designated at Fair Value Through Profit of Loss-Debt Securities + Due From
other Banks |
| |
3/ Ratio of annualized Interest Expense to Interest Bearing
Liabilities ( Deposit Liabilities + Bills Payable + Unsecured Subordinated
Debt + Bonds Payable, Net + Redeemable Preferred Shares |
| |
4/ Earning assets Yield - Funding Cost |
| |
5/ Ratio of Annualized Net Interest Income (Interest Income -
Interest Expense) to Average Earning Assets |
| |
6/ Ratio of Annualized Non-Interest Expense, Net of
Impairment Losses to Annualized Total Operating Income (Net Interest Income +
Non-Interest Income) |
| |
|
|
|
|
|
| |
Note: Details
may not add up to totals due to rounding-off |
|
|
| |
Source :
Supervisory Data Center, Supervision and Examination Sector |
|
|
|
|
|
|
|
|
|
Updated as of 12 August 2010 |
|
|
|
|
|
|
|
|