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30 |
BALANCE
SHEET AND KEY RATIOS |
| |
| |
| Commercial Banking System 1/ |
| 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 |
|
|
|
|
|
|
|
|
|
|
|
|
| |
Asset Accounts |
894.983 |
915.392 |
851.414 |
860.103 |
878.760 |
850.804 |
875.882 |
765.470 |
803.229 |
773.624 |
781.894 |
788.718 |
| |
Cash and Due from Banks |
207.651 |
209.961 |
164.943 |
185.432 |
190.876 |
170.310 |
187.636 |
163.887 |
201.128 |
156.582 |
170.679 |
178.018 |
| |
|
Financial
Assets, excluding Equity Investment in Subsidiaries/Associates/ Joint
Ventures, net of amortization |
192.837 |
210.697 |
198.304 |
195.982 |
212.922 |
199.399 |
190.028 |
165.570 |
149.514 |
170.900 |
168.643 |
162.993 |
| |
|
|
Financial Assets Held for Trading (HFT) |
29.801 |
46.412 |
31.472 |
34.884 |
47.344 |
36.425 |
36.787 |
27.178 |
30.441 |
37.463 |
39.812 |
36.082 |
| |
|
|
Financial Assets
Designated at Fair Value through Profit or Loss (DFVPL) - Debt Securities |
0.093 |
0.093 |
0.093 |
0.091 |
0.094 |
0.303 |
0.308 |
0.091 |
0.090 |
0.089 |
0.089 |
0.089 |
| |
|
|
Available for Sale (AFS) Financial Assets, net
of amortization |
100.738 |
109.762 |
113.273 |
116.837 |
118.950 |
117.929 |
113.260 |
108.574 |
89.413 |
103.906 |
104.335 |
102.153 |
| |
|
|
|
AFS Debt Securities |
98.934 |
106.930 |
110.156 |
113.595 |
115.646 |
115.108 |
110.732 |
105.885 |
86.842 |
101.152 |
101.327 |
99.293 |
| |
|
|
|
Unamortized Discount/Premium |
1.258 |
2.287 |
2.821 |
2.965 |
3.118 |
2.635 |
2.342 |
2.552 |
2.434 |
2.616 |
2.870 |
2.722 |
| |
|
|
|
AFS Debt Securities, net of amortization |
100.191 |
109.216 |
112.977 |
116.560 |
118.764 |
117.744 |
113.074 |
108.437 |
89.275 |
103.769 |
104.197 |
102.015 |
| |
|
|
|
AFS Equity Securities |
0.547 |
0.546 |
0.296 |
0.277 |
0.186 |
0.186 |
0.186 |
0.137 |
0.137 |
0.137 |
0.137 |
0.137 |
| |
|
|
Held-to-Maturity (HTM) Financial Assets |
45.778 |
38.032 |
36.835 |
29.525 |
31.461 |
29.892 |
25.424 |
16.700 |
16.687 |
16.632 |
11.656 |
11.785 |
| |
|
|
|
Unamortized Discount/Premium |
0.667 |
0.656 |
0.656 |
0.630 |
1.296 |
1.251 |
0.967 |
(0.096) |
(0.100) |
(0.104) |
(0.115) |
(0.058) |
| |
|
|
HTM Financial Assets, net of amortization |
46.445 |
38.689 |
37.491 |
30.155 |
32.757 |
31.143 |
26.391 |
16.604 |
16.586 |
16.528 |
11.541 |
11.726 |
| |
|
|
Unquoted Debt Securities Classified as Loans |
16.585 |
16.538 |
16.753 |
14.767 |
14.545 |
14.301 |
13.947 |
13.792 |
13.537 |
13.396 |
13.286 |
13.309 |
| |
|
|
|
Unamortized Discount/Premium |
(1.504) |
(1.477) |
(1.458) |
(1.412) |
(1.427) |
(1.360) |
(1.324) |
(1.328) |
(1.211) |
(1.141) |
(1.077) |
(1.024) |
| |
|
|
Unquoted Debt Securities Classified as Loans,
net of amortization |
15.080 |
15.061 |
15.295 |
13.355 |
13.118 |
12.940 |
12.623 |
12.464 |
12.325 |
12.255 |
12.209 |
12.285 |
| |
|
|
Investment in Non-Marketable Equity Securities
(INMES) |
0.680 |
0.680 |
0.680 |
0.660 |
0.659 |
0.658 |
0.658 |
0.658 |
0.659 |
0.658 |
0.658 |
0.658 |
| |
|
Accumulated Market Gain (Losses) - Financial
Assets |
0.817 |
2.565 |
0.900 |
1.871 |
0.677 |
1.822 |
3.463 |
3.113 |
3.169 |
3.417 |
5.303 |
4.953 |
| |
|
Allowance for Credit Losses - Financial Assets |
2.881 |
2.910 |
2.946 |
2.895 |
2.670 |
2.874 |
2.970 |
2.790 |
2.120 |
2.271 |
2.263 |
2.247 |
| |
|
|
Allowance for Credit Losses - AFS |
0.465 |
0.459 |
0.297 |
0.340 |
0.313 |
0.341 |
0.420 |
0.396 |
0.284 |
0.282 |
0.283 |
0.242 |
| |
|
|
Allowance for Credit Losses - HTM |
0.000 |
0.000 |
0.082 |
0.022 |
0.023 |
0.022 |
0.022 |
0.022 |
0.022 |
0.022 |
0.020 |
0.022 |
| |
|
|
Allowance for Credit Losses - Unquoted Debt
Securities Classified as Loans |
2.296 |
2.330 |
2.446 |
2.426 |
2.229 |
2.404 |
2.423 |
2.266 |
1.708 |
1.862 |
1.854 |
1.878 |
| |
|
|
Allowance for Credit Losses - INMES |
0.120 |
0.120 |
0.120 |
0.106 |
0.106 |
0.105 |
0.106 |
0.106 |
0.106 |
0.106 |
0.105 |
0.106 |
| |
|
Financial Assets, net of Allowance for Credit
Losses |
190.773 |
210.351 |
196.259 |
194.959 |
210.929 |
198.347 |
190.521 |
165.894 |
150.563 |
172.046 |
171.684 |
165.699 |
| |
|
Equity Investment in Subsidiaries/Associates
/Joint Ventures |
2.282 |
2.286 |
3.207 |
1.107 |
1.095 |
1.136 |
1.190 |
0.958 |
2.055 |
2.150 |
2.150 |
2.153 |
| |
|
Allowance for Credit Losses - Equity
Investment in Subsidiaries/Associates /Joint Ventures |
0.003 |
0.003 |
0.003 |
0.003 |
0.003 |
0.042 |
0.042 |
0.042 |
0.042 |
0.042 |
0.042 |
0.042 |
| |
|
Equity Investment in Subsidiaries/Associates
/Joint Ventures (net of Allowance for Credit Losses) |
2.279 |
2.283 |
3.204 |
1.104 |
1.092 |
1.094 |
1.148 |
0.916 |
2.013 |
2.107 |
2.108 |
2.111 |
| |
|
Total Loan Portfolio (TLP), gross (net of
amortization) |
429.303 |
428.889 |
428.781 |
433.203 |
434.941 |
434.564 |
446.436 |
395.276 |
410.362 |
403.001 |
400.592 |
406.592 |
| |
|
|
Loans and Receivables, gross (net of
amortization) |
383.936 |
363.906 |
364.429 |
383.699 |
360.765 |
374.435 |
369.261 |
316.085 |
312.238 |
324.156 |
324.744 |
331.772 |
| |
|
|
|
Loans to Bangko Sentral ng Pilipinas (BSP) |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
| |
|
|
|
Interbank Loans Receivable |
68.149 |
40.698 |
35.387 |
48.566 |
33.404 |
31.466 |
31.328 |
35.759 |
31.520 |
36.828 |
35.302 |
33.751 |
| |
|
|
|
Loans and Receivables - Others |
318.795 |
326.284 |
332.220 |
338.369 |
330.720 |
346.426 |
341.351 |
281.009 |
281.404 |
288.010 |
290.110 |
298.654 |
| |
|
|
|
Unamortized Discount and Other Deferred
Credits |
3.007 |
3.076 |
3.177 |
3.237 |
3.359 |
3.457 |
3.417 |
0.682 |
0.686 |
0.682 |
0.668 |
0.634 |
| |
|
|
|
Loans and Receivables - Others, net of
amortization |
315.787 |
323.208 |
329.042 |
335.133 |
327.361 |
342.969 |
337.934 |
280.326 |
280.719 |
287.328 |
289.442 |
298.021 |
| |
|
|
|
Loans and
Receivables Arising from Repurchase Agreements, Certificates of
Assignment/Participation with Recourse, and Securities Lending and Borrowing
Transactions (LRARA) |
45.368 |
64.984 |
64.352 |
49.504 |
74.176 |
60.129 |
77.175 |
79.191 |
98.123 |
78.845 |
75.848 |
74.821 |
| |
|
Allowance for Credit Losses - TLP |
15.663 |
15.692 |
15.813 |
15.695 |
14.931 |
17.678 |
18.225 |
15.316 |
15.253 |
15.264 |
15.135 |
14.794 |
| |
|
|
Allowance for Credit Losses - Interbank Loans
Receivable |
0.249 |
0.258 |
0.266 |
0.275 |
0.283 |
0.292 |
0.301 |
0.309 |
0.318 |
0.326 |
0.335 |
0.344 |
| |
|
|
Allowance for Credit Losses - Loans and
Receivables - Other |
8.708 |
8.664 |
8.737 |
8.451 |
8.374 |
11.211 |
11.362 |
9.031 |
8.920 |
8.783 |
9.704 |
9.335 |
| |
|
|
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) |
6.706 |
6.771 |
6.810 |
6.969 |
6.274 |
6.175 |
6.563 |
5.976 |
6.014 |
6.154 |
5.095 |
5.116 |
| |
|
TLP, net of Allowance for Credit Losses |
413.641 |
413.197 |
412.968 |
417.508 |
420.010 |
416.886 |
428.211 |
379.960 |
395.109 |
387.737 |
385.458 |
391.798 |
| |
|
Total Real and Other Properties Acquired
(ROPA) |
11.546 |
11.495 |
11.389 |
11.362 |
11.465 |
12.721 |
12.681 |
11.329 |
11.328 |
11.435 |
11.351 |
11.064 |
| |
|
|
Sales Contract Receivable (SCR) |
2.543 |
2.534 |
2.422 |
2.386 |
2.362 |
2.762 |
2.716 |
2.479 |
2.455 |
2.428 |
2.352 |
2.495 |
| |
|
|
Non-Current Assets Held for Sale |
1.422 |
1.422 |
1.337 |
1.114 |
1.114 |
1.094 |
0.313 |
0.319 |
0.319 |
0.319 |
0.338 |
0.338 |
| |
|
|
ROPA |
7.581 |
7.538 |
7.631 |
7.861 |
7.988 |
8.865 |
9.651 |
8.531 |
8.554 |
8.689 |
8.662 |
8.232 |
| |
|
Accumulated Depreciation |
0.930 |
0.930 |
0.946 |
0.881 |
0.899 |
0.922 |
0.940 |
0.768 |
0.784 |
0.796 |
0.808 |
0.813 |
| |
|
Unamortized Discount and Other Deferred
Credits |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
| |
|
Allowance for Credit Losses - ROPA |
0.901 |
0.889 |
0.884 |
0.876 |
0.873 |
1.302 |
1.303 |
1.137 |
1.157 |
1.157 |
1.147 |
1.199 |
| |
|
|
Allowance for Credit Losses - SCR |
0.024 |
0.024 |
0.021 |
0.021 |
0.021 |
0.040 |
0.040 |
0.040 |
0.040 |
0.040 |
0.040 |
0.040 |
| |
|
|
Allowance for Credit Losses - ROPA |
0.811 |
0.799 |
0.797 |
0.811 |
0.807 |
1.206 |
1.264 |
1.097 |
1.117 |
1.117 |
1.107 |
1.160 |
| |
|
|
Allowance for Credit Losses - Non Current
Assets Held for Sale |
0.066 |
0.066 |
0.066 |
0.045 |
0.045 |
0.056 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
| |
|
ROPA, net of Allowance for Credit Losses |
9.715 |
9.676 |
9.559 |
9.605 |
9.693 |
10.498 |
10.437 |
9.424 |
9.387 |
9.483 |
9.396 |
9.051 |
| |
|
Total Other Assets, net |
70.925 |
69.924 |
64.480 |
51.497 |
46.161 |
53.668 |
57.929 |
45.389 |
45.028 |
45.669 |
42.570 |
42.040 |
| |
|
|
Derivatives with Positive Fair Value Held for
Hedging |
0.174 |
0.129 |
0.088 |
0.157 |
0.085 |
0.183 |
0.141 |
0.102 |
0.104 |
0.110 |
0.112 |
0.111 |
| |
|
|
Revaluation of Hedged Assets 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 |
| |
|
|
Goodwill |
1.777 |
1.777 |
1.777 |
1.137 |
1.137 |
1.137 |
1.137 |
0.424 |
0.427 |
0.427 |
0.426 |
0.426 |
| |
|
|
|
Allowance for Credit Losses |
0.102 |
0.102 |
0.102 |
0.102 |
0.102 |
0.102 |
0.102 |
0.102 |
0.102 |
0.102 |
0.102 |
0.102 |
| |
|
|
Goodwill, net |
1.675 |
1.675 |
1.675 |
1.035 |
1.035 |
1.035 |
1.035 |
0.322 |
0.324 |
0.324 |
0.324 |
0.324 |
| |
|
|
Accrued Interest Income from Financial Assets |
6.206 |
6.657 |
5.728 |
5.981 |
6.624 |
7.060 |
5.999 |
5.601 |
4.993 |
5.124 |
5.585 |
5.912 |
| |
|
|
|
Allowance for Credit Losses |
1.672 |
1.677 |
1.625 |
1.255 |
1.249 |
1.303 |
1.300 |
1.201 |
1.204 |
1.206 |
1.217 |
1.216 |
| |
|
|
Accrued Interest Income from Financial Assets,
net |
4.533 |
4.981 |
4.103 |
4.725 |
5.375 |
5.757 |
4.700 |
4.400 |
3.788 |
3.918 |
4.368 |
4.696 |
| |
|
|
Bank Premises, Furniture, Fixture and
Equipment |
17.713 |
17.979 |
18.052 |
17.377 |
17.544 |
18.001 |
18.239 |
15.459 |
15.562 |
16.194 |
16.227 |
17.355 |
| |
|
|
|
Accumulated Depreciation |
8.376 |
8.474 |
8.502 |
8.160 |
8.248 |
8.647 |
8.730 |
7.823 |
7.906 |
8.476 |
8.484 |
8.621 |
| |
|
|
|
Allowance for Credit Losses |
0.062 |
0.062 |
0.062 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
| |
|
|
Bank Premises, Furniture, Fixture and
Equipment, net |
9.275 |
9.443 |
9.489 |
9.217 |
9.296 |
9.354 |
9.509 |
7.636 |
7.655 |
7.718 |
7.743 |
8.733 |
| |
|
|
Other Intangible Assets |
1.752 |
2.086 |
2.110 |
1.835 |
1.843 |
1.867 |
1.892 |
1.448 |
1.419 |
1.427 |
1.452 |
1.278 |
| |
|
|
|
Accumulated Amortization |
0.825 |
0.834 |
0.842 |
0.553 |
0.557 |
0.564 |
0.571 |
0.550 |
0.558 |
0.564 |
0.567 |
0.556 |
| |
|
|
|
Allowance for Credit Losses |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.085 |
0.085 |
| |
|
|
Other Intangible Assets, net |
0.927 |
1.252 |
1.268 |
1.282 |
1.286 |
1.303 |
1.321 |
0.898 |
0.861 |
0.863 |
0.800 |
0.636 |
| |
|
|
Deferred Tax Asset |
6.807 |
6.743 |
6.719 |
5.657 |
5.536 |
5.452 |
5.533 |
4.185 |
4.185 |
4.172 |
4.143 |
3.742 |
| |
|
|
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 |
51.010 |
49.210 |
44.666 |
33.174 |
28.111 |
34.442 |
39.688 |
31.337 |
31.638 |
32.112 |
28.716 |
27.424 |
| |
|
|
|
Allowance for Credit Losses |
3.476 |
3.508 |
3.529 |
3.751 |
4.563 |
3.858 |
3.999 |
3.491 |
3.528 |
3.548 |
3.638 |
3.627 |
| |
|
|
Other Assets, net |
47.534 |
45.701 |
41.137 |
29.424 |
23.548 |
30.584 |
35.690 |
27.846 |
28.110 |
28.564 |
25.078 |
23.797 |
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
Liabilities and Capital |
894.983 |
915.392 |
851.414 |
860.103 |
878.760 |
850.804 |
875.882 |
765.470 |
803.229 |
773.624 |
781.894 |
788.718 |
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
Liability Accounts |
761.765 |
780.371 |
711.942 |
720.686 |
738.084 |
709.557 |
732.594 |
637.675 |
674.089 |
645.327 |
650.073 |
652.182 |
| |
|
Financial Liabilities HFT |
11.480 |
11.087 |
9.532 |
11.409 |
11.708 |
14.502 |
15.600 |
13.191 |
13.500 |
12.851 |
12.744 |
11.383 |
| |
|
Financial Liabilities DFVPL |
0.047 |
0.047 |
0.047 |
0.047 |
0.047 |
0.047 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
| |
|
Deposit Liabilities |
576.908 |
587.787 |
576.834 |
572.830 |
575.441 |
571.169 |
572.027 |
506.250 |
526.319 |
500.428 |
505.138 |
499.955 |
| |
|
|
Peso |
416.204 |
419.992 |
410.499 |
408.951 |
409.911 |
421.332 |
413.129 |
352.399 |
375.973 |
351.868 |
359.950 |
351.543 |
| |
|
|
|
Demand Deposits and NOW Accounts |
153.897 |
158.637 |
152.136 |
154.364 |
153.920 |
163.072 |
159.692 |
144.240 |
143.799 |
141.551 |
148.899 |
141.294 |
| |
|
|
|
Savings Deposits |
133.655 |
137.037 |
138.596 |
133.726 |
136.470 |
137.921 |
136.165 |
122.543 |
143.927 |
129.963 |
126.247 |
126.735 |
| |
|
|
|
Time Certificate of Deposits |
124.981 |
120.635 |
116.073 |
117.156 |
115.805 |
116.607 |
113.533 |
83.466 |
86.085 |
78.181 |
82.620 |
83.514 |
| |
|
|
|
Long Term Negotiable Certificates of Deposits
(LTNCD) |
3.671 |
3.682 |
3.694 |
3.704 |
3.716 |
3.733 |
3.738 |
2.150 |
2.162 |
2.173 |
2.185 |
0.000 |
| |
|
|
Foreign Currency |
160.704 |
167.795 |
166.336 |
163.880 |
165.531 |
149.838 |
158.898 |
153.851 |
150.347 |
148.559 |
145.188 |
148.412 |
| |
|
Bills Payable |
30.456 |
33.796 |
34.630 |
23.942 |
27.368 |
27.041 |
25.554 |
21.534 |
22.633 |
25.731 |
23.732 |
25.857 |
| |
|
|
Deposit Substitutes |
3.385 |
4.733 |
3.885 |
4.134 |
4.375 |
3.606 |
4.432 |
1.547 |
1.531 |
1.544 |
1.443 |
1.436 |
| |
|
|
Others |
27.071 |
29.063 |
30.745 |
19.808 |
22.992 |
23.435 |
21.123 |
19.988 |
21.102 |
24.186 |
22.289 |
24.421 |
| |
|
Special Financing |
0.001 |
0.001 |
0.001 |
0.001 |
0.001 |
0.001 |
0.001 |
0.001 |
0.001 |
0.001 |
0.001 |
0.001 |
| |
|
|
Time Certificate of Deposits - Special
Financing |
0.001 |
0.001 |
0.001 |
0.001 |
0.001 |
0.001 |
0.001 |
0.001 |
0.001 |
0.001 |
0.001 |
0.001 |
| |
|
|
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 |
4.226 |
4.232 |
4.239 |
2.750 |
2.750 |
2.750 |
2.750 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
| |
|
|
Unamortized Debt
Discount/Premium |
|
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, net |
4.226 |
4.232 |
4.239 |
2.750 |
2.750 |
2.750 |
2.750 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
| |
|
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 |
138.647 |
143.421 |
86.658 |
109.707 |
120.768 |
94.047 |
116.662 |
96.699 |
111.636 |
106.316 |
108.458 |
114.985 |
| |
|
|
Due to Other Banks |
39.961 |
38.000 |
17.081 |
20.014 |
21.139 |
18.464 |
12.660 |
21.191 |
15.984 |
18.014 |
13.668 |
11.908 |
| |
|
|
Bonds Payable |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
| |
|
|
|
Unamortized Bond Discount/Premium |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
| |
|
|
Bonds Payable, net |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
| |
|
|
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 |
0.000 |
0.011 |
0.015 |
0.000 |
0.092 |
0.001 |
0.000 |
0.000 |
0.000 |
0.000 |
0.001 |
0.000 |
| |
|
|
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 |
1.621 |
1.747 |
1.517 |
1.402 |
1.524 |
1.666 |
1.349 |
1.255 |
1.148 |
1.164 |
1.380 |
1.525 |
| |
|
|
Finance Lease Payment Payable |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
| |
|
|
Due to Treasurer of the Philippines |
0.094 |
0.094 |
0.094 |
0.094 |
0.187 |
0.187 |
0.188 |
0.187 |
0.185 |
0.182 |
0.182 |
0.182 |
| |
|
|
Treasurer/Cashier/Manager's Checks |
6.532 |
6.044 |
7.146 |
5.911 |
6.239 |
7.167 |
5.694 |
6.321 |
6.358 |
5.688 |
6.086 |
6.752 |
| |
|
|
Payment Orders Payable |
0.191 |
0.252 |
0.122 |
0.406 |
0.162 |
0.316 |
0.262 |
0.161 |
0.184 |
0.132 |
0.083 |
0.326 |
| |
|
|
Margin Deposits
on Letters of Credit (LC) and Customers' Liability on Bills/Drafts under LC
and/or Trust Receipt (TR) |
0.013 |
0.021 |
0.013 |
0.006 |
0.008 |
0.057 |
0.059 |
0.035 |
0.028 |
0.004 |
0.011 |
0.009 |
| |
|
|
Cash LC |
2.796 |
2.878 |
1.482 |
1.368 |
1.410 |
1.421 |
1.406 |
1.418 |
1.407 |
1.436 |
1.425 |
0.756 |
| |
|
|
Outstanding Acceptances Executed by or for
Account of this Bank |
1.177 |
0.697 |
0.764 |
1.015 |
0.637 |
0.926 |
1.136 |
1.098 |
0.839 |
0.665 |
1.055 |
1.049 |
| |
|
|
Due to BSP |
0.088 |
0.104 |
0.119 |
0.070 |
0.072 |
0.074 |
0.070 |
0.070 |
0.070 |
0.070 |
0.071 |
0.071 |
| |
|
|
Due to Philippine Deposit Insurance
Corporation (PDIC) |
0.017 |
0.033 |
0.060 |
0.077 |
0.094 |
0.150 |
0.019 |
0.041 |
0.079 |
0.101 |
0.123 |
0.159 |
| |
|
|
Due to Philippine Crop Insurance Corporation
(PCIC) |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
| |
|
|
Income Tax Payable |
0.363 |
0.371 |
0.405 |
0.193 |
0.071 |
0.175 |
0.235 |
0.270 |
0.267 |
0.349 |
0.281 |
0.478 |
| |
|
|
Other Taxes and Licenses Payable |
0.254 |
0.244 |
0.253 |
0.207 |
0.221 |
0.270 |
0.293 |
0.201 |
0.187 |
0.251 |
0.320 |
0.354 |
| |
|
|
Accrued Expenses |
3.792 |
3.901 |
3.877 |
4.041 |
3.929 |
3.908 |
3.985 |
3.642 |
3.746 |
4.044 |
3.772 |
3.797 |
| |
|
|
Unearned Income |
6.919 |
6.844 |
6.748 |
4.294 |
4.191 |
4.107 |
4.016 |
3.912 |
3.831 |
3.786 |
3.732 |
3.688 |
| |
|
|
Deferred Tax Liabilities |
0.973 |
0.973 |
0.973 |
0.972 |
0.889 |
0.872 |
0.855 |
0.836 |
0.821 |
0.801 |
0.784 |
0.655 |
| |
|
|
Provisions |
0.274 |
0.282 |
0.284 |
0.292 |
0.288 |
0.289 |
0.293 |
0.297 |
0.300 |
0.303 |
0.306 |
0.262 |
| |
|
|
Other Liabilities |
32.212 |
41.014 |
27.741 |
28.826 |
18.296 |
26.669 |
30.762 |
21.686 |
25.042 |
29.170 |
30.085 |
25.022 |
| |
|
|
Due to Head Office (HO)/Branches (Br)/Agencies
(Ag) (Philippine branch of a foreign bank) |
41.369 |
39.911 |
17.964 |
40.521 |
61.321 |
27.326 |
53.378 |
34.077 |
51.159 |
40.154 |
45.093 |
57.993 |
| |
|
|
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 |
133.218 |
135.021 |
139.472 |
139.417 |
140.676 |
141.246 |
143.288 |
127.795 |
129.140 |
128.297 |
131.821 |
136.536 |
| |
|
Paid in Capital Stock |
52.946 |
52.946 |
55.946 |
51.211 |
52.622 |
52.622 |
52.622 |
41.338 |
41.338 |
41.338 |
41.338 |
41.338 |
| |
|
Additional Paid-in Capital |
9.676 |
9.676 |
9.676 |
9.676 |
10.656 |
10.541 |
10.541 |
9.562 |
9.562 |
9.562 |
9.562 |
9.562 |
| |
|
Other Equity Instruments |
2.373 |
2.373 |
2.781 |
2.804 |
2.804 |
3.523 |
3.523 |
3.523 |
3.523 |
3.553 |
3.553 |
3.553 |
| |
|
Retained Earnings |
7.341 |
6.325 |
6.220 |
10.671 |
10.492 |
8.904 |
8.821 |
5.524 |
5.894 |
5.730 |
5.732 |
0.873 |
| |
|
Stock Dividend Distributable |
0.057 |
0.057 |
0.057 |
0.057 |
0.057 |
0.057 |
0.057 |
0.057 |
0.057 |
0.057 |
0.057 |
0.057 |
| |
|
Undivided Profits |
0.371 |
0.975 |
1.328 |
1.689 |
1.670 |
2.209 |
2.886 |
1.923 |
2.109 |
2.270 |
2.502 |
4.484 |
| |
|
Other Comprehensive Income |
1.108 |
2.847 |
1.676 |
1.623 |
0.561 |
1.571 |
2.849 |
2.530 |
2.740 |
2.900 |
4.569 |
4.143 |
| |
|
Appraisal Increment Reserve |
0.201 |
0.201 |
0.201 |
0.201 |
0.201 |
0.201 |
0.201 |
0.201 |
0.201 |
0.201 |
0.201 |
1.551 |
| |
|
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 |
12.249 |
12.249 |
13.105 |
13.105 |
13.105 |
13.105 |
13.105 |
13.105 |
13.105 |
13.105 |
13.105 |
14.308 |
| |
|
Net Due to HO/Br/Ag |
46.918 |
47.393 |
48.520 |
48.402 |
48.532 |
48.537 |
48.707 |
50.055 |
50.634 |
49.605 |
51.225 |
56.690 |
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
Key Ratios (%) |
|
|
|
|
|
|
|
|
|
|
|
|
| |
|
Cash and Due from Banks to Deposits |
35.99 |
35.72 |
28.59 |
32.37 |
33.17 |
29.82 |
32.80 |
32.37 |
38.21 |
31.29 |
33.79 |
35.61 |
| |
|
Liquid Assets to Deposits 2/ |
69.06 |
71.51 |
62.62 |
66.41 |
69.83 |
64.54 |
66.11 |
65.14 |
66.82 |
65.67 |
67.78 |
68.75 |
| |
|
Loans, gross to Deposits |
74.41 |
72.97 |
74.33 |
75.62 |
75.58 |
76.08 |
78.04 |
78.08 |
77.97 |
80.53 |
79.30 |
81.33 |
| |
|
Capital Adequacy Ratio (CAR) 3/ |
|
|
|
|
|
|
|
|
|
|
|
|
| |
|
|
Solo Basis |
|
|
20.38 |
|
|
21.63 |
|
|
22.07 |
|
|
23.77 |
| |
|
|
Consolidated Basis |
|
|
20.25 |
|
|
21.52 |
|
|
22.21 |
|
|
23.57 |
| |
|
Total Capital Accounts to Total Assets 4/ |
14.88 |
14.75 |
16.38 |
16.21 |
16.01 |
16.60 |
16.36 |
16.69 |
16.08 |
16.58 |
16.86 |
17.31 |
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
1/ Inclusive of other branches / subsidiaries of foreign
banks; Figures adjusted to net of 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 4 June 2013 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|