| |
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| 3 CONSOLIDATED STATEMENT OF CONDITION AND KEY
RATIOS |
| Philippine
Banking System p/ |
| as of end of
periods indicated |
| in billion
pesos |
| |
Selected Accounts |
|
ALL BANKS 1/ r/ |
UNIVERSAL AND COMMERCIAL BANKS
1/ r/ |
| |
|
|
|
|
|
| |
|
Mar-08 |
Jun-08 |
Mar-08 |
Jun-08 |
| |
|
|
|
|
|
|
|
| |
Asset Accounts 1/ |
|
5,078.510 |
5,333.742 |
4,426.936 |
4,678.043 |
| |
|
|
|
|
|
|
|
| |
Cash and Due from Banks |
|
763.289 |
791.175 |
670.061 |
702.560 |
| |
Financial Assets, Exclusive of Equity Investments (Net of Amortization) |
|
1,197.676 |
1,219.733 |
1,125.201 |
1,139.883 |
| |
|
Financial Assets Held for Trading (HFT) |
|
194.908 |
137.144 |
194.094 |
135.797 |
| |
|
Financial Assets Designated at Fair Value through Profit
or Loss - Debt Securities |
|
17.486 |
13.724 |
17.349 |
13.473 |
| |
|
AFS Financial Assets, Net of Amortization (Net of Equity
Securities) |
|
686.418 |
755.635 |
648.336 |
713.944 |
| |
|
AFS Debt
Securities |
|
672.003 |
738.712 |
634.521 |
698.252 |
| |
|
Unamortized
Discount/Premium |
|
14.415 |
16.923 |
13.814 |
15.692 |
| |
|
AFS-Debt
Securities Net of Amortization |
|
686.418 |
755.635 |
648.336 |
713.944 |
| |
|
Held-to-Maturity (HTM) Financial Assets |
|
198.708 |
203.909 |
180.396 |
182.598 |
| |
|
Unamortized Discount/Premium |
|
1.167 |
1.757 |
0.838 |
1.426 |
| |
|
HTM Financial Assets - Net of Amortization |
|
207.730 |
213.833 |
181.235 |
184.024 |
| |
|
Unquoted Debt Securities Classified as Loans |
|
102.652 |
111.011 |
95.206 |
103.796 |
| |
|
Unamortized Discount/Premium |
|
(11.518) |
(11.614) |
(11.017) |
(11.151) |
| |
|
Unquoted Debt
Securities Classified as Loans -Net of Amortization |
91.134 |
99.397 |
84.189 |
92.645 |
| |
Accumulated Market Gain (Losses) -Financial
Assets, Exclusive of Equity Investments |
|
2.499 |
(33.362) |
2.438 |
(31.800) |
| |
|
Accumulated Market Gains (Losses)-AFS, Exclusive of
Equity Securities |
|
2.499 |
(33.362) |
2.438 |
(31.800) |
| |
Allowance for Credit Losses-Financial Assets,
Exclusive of Equity Securities |
|
8.210 |
8.286 |
8.062 |
8.073 |
| |
|
Allowance for Credit Losses-AFS , Exclusive of Equity
Securities |
|
1.978 |
0.168 |
1.978 |
0.168 |
| |
|
Allowance for Credit Losses-HTM |
|
0.982 |
0.976 |
0.905 |
0.866 |
| |
|
Allowance for
Credit Losses-Unquoted Debt Securities Classified as Loans |
5.249 |
7.142 |
5.179 |
7.039 |
| |
Financial Assets -Net of Allowance for Credit
Losses |
|
1,191.966 |
1,178.084 |
1,119.577 |
1,100.010 |
| |
Equity Investments, gross |
|
127.857 |
125.384 |
125.922 |
123.861 |
| |
|
Investments in Non-Marketable Equity Securities (INMES) |
|
7.950 |
7.709 |
7.702 |
7.504 |
| |
|
Equity Investment in Subsidiaries, Associates and Joint
Ventures |
|
113.844 |
111.727 |
112.993 |
110.839 |
| |
|
AFS Equity Securities |
|
5.651 |
5.460 |
4.815 |
5.031 |
| |
|
HFT-Equity Securities |
|
0.409 |
0.488 |
0.409 |
0.488 |
| |
|
Financial Assets Designated at Fair Value through Profit
or Loss -Equity Securities |
|
0.004 |
0.000 |
0.003 |
(0.000) |
| |
Accumulated Market Gains(Losses)-AFS -Equity
Securities |
|
3.000 |
0.308 |
2.995 |
0.302 |
| |
Allowance for Credit Losses -Equity
Investments |
|
4.182 |
4.421 |
3.909 |
4.149 |
| |
|
Allowance for Credit Losses-INMES |
|
2.828 |
3.062 |
2.723 |
2.913 |
| |
|
Allowance for Credit Losses-Equity Investment
in Subsidiaries, Associates and Joint Ventures |
1.074 |
1.056 |
0.979 |
0.937 |
| |
|
Allowance for
Credit Losses - AFS Equity Securities |
0.331 |
0.377 |
0.207 |
0.299 |
| |
Equity Investments, Net of Allowance for
Credit Losses |
|
126.624 |
121.197 |
125.008 |
120.014 |
| |
Total Loan Portfolio, gross (net of
amortization) |
|
2,538.274 |
2,777.282 |
2,132.877 |
2,369.158 |
| |
|
Loans and Receivables, gross (net of amortization) |
|
2,327.089 |
2,466.277 |
1,936.816 |
2,072.968 |
| |
|
Loans to
Bangko Sentral ng Pilipinas |
|
10.118 |
6.462 |
5.568 |
0.768 |
| |
|
Interbank
Loans Receivable |
|
323.238 |
361.235 |
285.274 |
339.913 |
| |
|
Loans and
Receivables -Others |
|
2,008.353 |
2,114.930 |
1,654.590 |
1,742.295 |
| |
|
Unamortized
Discount and Other Deferred Credits |
|
14.621 |
16.350 |
8.615 |
10.008 |
| |
|
Loans and
Receivables - Others - Net of Amortization |
|
1,993.732 |
2,098.580 |
1,645.975 |
1,732.287 |
| |
Loans and
Receivables Arising from Repurchase Agreements, Certificates of
Assignment/Participation with Recourse, and Securities Lending and Borrowing
Transactions |
211.185 |
311.004 |
196.061 |
296.190 |
| |
Allowance for Credit Losses-Loans |
|
117.057 |
121.377 |
100.956 |
104.747 |
| |
|
Allowance for Credit Losses-Interbank Loans Receivable |
|
0.005 |
0.080 |
0.005 |
0.080 |
| |
|
Allowance for Credit Losses-Loans and Receivables -Other |
|
90.741 |
94.057 |
78.265 |
81.110 |
| |
|
Allowance for Credit Losses-LRARA |
|
0.000 |
0.000 |
0.000 |
0.000 |
| |
|
General Loan Loss Provision (GLLP) |
|
26.310 |
27.240 |
22.686 |
23.558 |
| |
Total Loan Portfolio, Net of Allowance for
Credit Losses |
|
2,421.218 |
2,655.905 |
2,031.921 |
2,264.411 |
| |
Total ROPA |
|
206.310 |
202.888 |
162.377 |
157.560 |
| |
|
Sales Contract Receivable |
|
26.066 |
25.517 |
16.806 |
16.341 |
| |
|
Non-Current Assets Held for Sale |
|
14.507 |
13.679 |
12.134 |
11.527 |
| |
|
Real and Other Properties Acquired |
|
165.737 |
163.693 |
133.437 |
129.692 |
| |
|
Accumulated Depreciation |
|
14.398 |
14.468 |
13.581 |
13.602 |
| |
Unamortized Discount and Other Deferred
Credits |
|
0.089 |
0.117 |
0.013 |
0.019 |
| |
Allowance for Losses - ROPA |
|
14.629 |
14.504 |
12.216 |
12.065 |
| |
|
Allowance for Credit Losses- Sales Contract Receivable |
|
0.395 |
0.159 |
0.361 |
0.127 |
| |
|
Allowance for Losses -Real and Other Properties Acquired |
|
14.235 |
14.345 |
11.856 |
11.938 |
| |
ROPA, Net of Allowance for Losses |
|
177.194 |
173.798 |
136.567 |
131.874 |
| |
Total Other Assets, Net |
|
398.220 |
413.583 |
343.802 |
359.174 |
| |
Derivatives with Positive Fair Value Held for
Hedging |
|
0.030 |
0.043 |
0.030 |
0.043 |
| |
Revaluation of Hedged Assets in Portfolio
Hedge of Interest Rate Risk |
|
0.014 |
0.017 |
0.000 |
0.000 |
| |
Goodwill |
|
15.170 |
15.382 |
14.982 |
15.194 |
| |
Less: Allowance for Losses |
|
0.269 |
0.380 |
0.269 |
0.380 |
| |
Goodwill - Net |
|
14.901 |
15.002 |
14.713 |
14.815 |
| |
Accrued Interest Income from Financial Assets |
|
43.058 |
52.676 |
37.248 |
46.382 |
| |
Allowance for Credit Losses |
|
7.467 |
7.651 |
5.839 |
5.927 |
| |
Accrued Interest Income from Financial Assets,
net |
|
35.591 |
45.025 |
31.409 |
40.455 |
| |
Bank Premises, Furniture, Fixture and
Equipment |
|
157.112 |
159.764 |
134.146 |
136.445 |
| |
|
Accumulated Depreciation |
|
65.737 |
67.183 |
58.703 |
60.074 |
| |
|
Allowance for Losses |
|
1.856 |
1.888 |
1.824 |
1.843 |
| |
Bank Premises, Furniture, Fixture and
Equipment - Net |
|
90.208 |
91.383 |
74.307 |
75.216 |
| |
Other Intangible Assets |
|
3.661 |
4.473 |
3.300 |
4.009 |
| |
Accumulated Amortization |
|
1.367 |
1.465 |
1.345 |
1.434 |
| |
Allowance for Losses |
|
0.000 |
0.000 |
0.000 |
0.000 |
| |
Other Intangible Assets, net |
|
2.294 |
3.009 |
1.955 |
2.575 |
| |
Deferred Tax Asset |
|
45.524 |
47.490 |
40.253 |
42.026 |
| |
Due from FCDU/RBU |
|
0.000 |
0.000 |
0.000 |
0.000 |
| |
Other Assets |
|
233.782 |
236.986 |
203.055 |
207.319 |
| |
|
Allowance for
Losses |
24.124 |
25.776 |
21.920 |
23.276 |
| |
Other Assets - Net |
|
209.658 |
211.613 |
181.135 |
184.044 |
| |
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
| |
LIABILITIES AND CAPITAL |
|
5,078.510 |
5,333.742 |
4,426.936 |
4,678.043 |
| |
|
|
|
|
|
|
|
| |
Liability Accounts |
|
4,475.851 |
4,763.242 |
3,907.386 |
4,189.352 |
| |
|
|
|
|
|
|
|
| |
Financial Liabilities Held for Trading |
|
41.309 |
54.700 |
41.309 |
54.700 |
| |
Financial Liabilities Designated at Fair Value
through Profit or Loss |
|
10.016 |
11.032 |
10.016 |
11.032 |
| |
Deposit Liabilities |
|
3,606.990 |
3,810.101 |
3,122.276 |
3,297.501 |
| |
|
Peso |
|
2,799.381 |
2,879.561 |
2,357.603 |
2,418.042 |
| |
|
Demand &
NOW |
|
585.900 |
609.647 |
548.361 |
569.398 |
| |
|
Savings
Deposits |
|
1,416.849 |
1,350.523 |
1,225.014 |
1,156.006 |
| |
|
Time
Certificate of Deposits |
|
775.812 |
898.214 |
565.009 |
673.061 |
| |
|
LTNCD |
|
20.820 |
21.178 |
19.219 |
19.577 |
| |
|
Foreign Currency |
|
807.609 |
930.540 |
764.673 |
879.459 |
| |
Bills Payable |
|
424.005 |
464.495 |
374.727 |
439.163 |
| |
|
Deposit Substitutes |
|
97.052 |
132.440 |
95.792 |
130.646 |
| |
|
Others |
|
326.953 |
332.055 |
278.934 |
308.517 |
| |
Special
Financing |
0.148 |
0.141 |
0.008 |
0.008 |
| |
|
Time Certificate of Deposits - SF |
|
0.086 |
0.086 |
0.006 |
0.006 |
| |
|
Special Time Deposits |
|
0.061 |
0.054 |
0.002 |
0.002 |
| |
Unsecured
Subordinated Debt |
86.435 |
88.740 |
83.579 |
85.857 |
| |
Unamortized Debt Discount/Premium |
|
(0.265) |
(0.221) |
(0.265) |
(0.221) |
| |
Unsecured
Subordinated Debt - Net |
86.170 |
88.519 |
83.314 |
85.636 |
| |
Redeemable
Preferred Shares |
2.126 |
2.278 |
2.088 |
2.245 |
| |
Total Other
Liabilities |
305.086 |
331.975 |
273.648 |
299.067 |
| |
|
Due to Other Banks |
|
13.687 |
16.582 |
13.611 |
16.545 |
| |
|
Bonds Payable |
|
10.047 |
10.802 |
10.047 |
10.802 |
| |
|
Unamortized Bond Discount/Premium |
|
(0.004) |
(0.003) |
(0.004) |
(0.003) |
| |
|
Bonds Payable - Net |
|
10.043 |
10.799 |
10.043 |
10.799 |
| |
|
Financial Liabilities Associated with Transferred Assets |
|
0.000 |
0.000 |
0.000 |
0.000 |
| |
|
Derivatives with Negative Fair Value Held for Hedging |
|
0.516 |
0.656 |
0.516 |
0.633 |
| |
|
Revaluation of Hedged Liabilities in Portfolio Hedge of
Interest Rate Risk |
|
0.000 |
0.000 |
0.000 |
0.000 |
| |
|
Accrued Interest Expense on Financial Liabilities |
|
24.032 |
25.070 |
17.793 |
18.318 |
| |
|
Finance Lease Payment Payable |
|
0.002 |
0.002 |
0.000 |
0.000 |
| |
|
Due to Treasurer of the Philippines |
|
1.239 |
1.484 |
1.198 |
1.443 |
| |
|
Treasurer/Cashier/Manager's Checks |
|
25.136 |
25.091 |
22.856 |
22.274 |
| |
|
Payment Orders Payable |
|
3.915 |
3.172 |
3.709 |
3.099 |
| |
|
Margin Deposits on LCs and Customers' Liability on
Bills/Drafts under LCs and/or TRs |
|
2.272 |
2.822 |
2.272 |
2.822 |
| |
|
Cash Letters of Credit |
|
3.466 |
3.811 |
3.466 |
3.811 |
| |
|
Outstanding Acceptances Executed by or for Account of
this Bank |
|
7.717 |
9.754 |
7.717 |
9.754 |
| |
|
Due to Bangko Sentral ng Pilipinas |
|
0.645 |
1.058 |
0.576 |
0.976 |
| |
|
Due to Philippine Deposit Insurance Corporation |
|
1.115 |
1.467 |
0.384 |
0.713 |
| |
|
Due to Philippine Crop Insurance Corporation |
|
0.002 |
0.002 |
0.002 |
0.002 |
| |
|
Income Tax Payable |
|
2.460 |
1.910 |
2.131 |
1.541 |
| |
|
Other Taxes and Licenses Payable |
|
2.044 |
2.080 |
1.780 |
1.832 |
| |