| 30
CONSOLIDATED STATEMENT OF CONDITION
AND KEY RATIOS |
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| Commercial 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 |
|
Jan-11 |
Feb-11 |
Mar-11 |
Apr-11 |
May
2011 |
Jun-11 |
Jul-11 |
Aug-11 |
Sep-11 |
Oct-11 |
Nov-11 |
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Asset
Accounts 2/ |
|
829.113 |
840.809 |
804.817 |
849.728 |
819.179 |
803.482 |
854.881 |
868.185 |
850.912 |
861.170 |
888.153 |
| |
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|
0.000 |
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|
|
|
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|
| |
Cash and Due from Banks |
|
176.542 |
169.693 |
153.467 |
153.177 |
150.890 |
146.169 |
168.406 |
181.149 |
174.872 |
216.855 |
204.767 |
| |
Financial
Assets, Excl of Equity Investments in
Subs., Assoc. and Joint Vent (Net of Amortization) |
|
197.832 |
189.844 |
197.158 |
211.839 |
201.080 |
207.875 |
199.123 |
196.501 |
198.435 |
184.076 |
181.071 |
| |
|
Financial Assets Held for Trading (HFT) |
|
36.924 |
35.573 |
45.478 |
52.852 |
32.277 |
35.086 |
41.553 |
37.622 |
35.241 |
32.048 |
26.187 |
| |
|
Financial Assets Designated at Fair Value
through Profit or Loss - Debt Sect |
|
0.113 |
0.111 |
0.111 |
0.109 |
0.111 |
0.094 |
0.091 |
0.092 |
0.095 |
0.092 |
0.094 |
| |
|
AFS Financial Assets, Net of Amortization |
|
93.329 |
87.573 |
73.514 |
80.277 |
88.711 |
92.816 |
89.868 |
91.619 |
95.057 |
92.721 |
94.955 |
| |
|
|
AFS Debt
Securities |
|
90.936 |
85.147 |
71.893 |
78.694 |
86.925 |
91.076 |
87.833 |
89.861 |
93.439 |
91.077 |
93.263 |
| |
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|
Unamortized
Discount/Premium |
|
1.821 |
1.861 |
1.056 |
1.018 |
1.222 |
1.175 |
1.471 |
1.193 |
1.068 |
1.094 |
1.145 |
| |
|
|
AFS-Debt
Securities Net of Amortization |
|
92.757 |
87.008 |
72.949 |
79.712 |
88.147 |
92.251 |
89.304 |
91.054 |
94.507 |
92.171 |
94.408 |
| |
|
|
AFS-Equity
Securities |
|
0.571 |
0.565 |
0.565 |
0.565 |
0.565 |
0.565 |
0.565 |
0.565 |
0.550 |
0.550 |
0.547 |
| |
|
Held-to-Maturity (HTM) Financial Assets |
|
43.006 |
42.359 |
53.063 |
52.992 |
53.217 |
53.376 |
43.270 |
43.202 |
43.726 |
43.293 |
43.608 |
| |
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|
Unamortized Discount/Premium |
|
0.249 |
0.240 |
0.893 |
0.875 |
0.866 |
0.842 |
0.290 |
0.281 |
0.284 |
0.264 |
0.259 |
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|
HTM Financial Assets - Net of Amortization |
|
43.255 |
42.599 |
53.956 |
53.867 |
54.082 |
54.217 |
43.559 |
43.484 |
44.010 |
43.558 |
43.867 |
| |
|
Unquoted Debt Securities Classified as Loans |
|
25.565 |
25.270 |
25.321 |
25.895 |
27.009 |
26.744 |
25.050 |
24.651 |
24.995 |
16.547 |
16.866 |
| |
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|
Unamortized Discount/Premium |
|
(1.996) |
(1.932) |
(1.884) |
(1.822) |
(1.777) |
(1.750) |
(1.666) |
(1.632) |
(1.640) |
(1.568) |
(1.579) |
| |
|
Unquoted Debt Securities Classified as Loans
-Net of Amortization |
|
23.569 |
23.339 |
23.437 |
24.072 |
25.231 |
24.994 |
23.384 |
23.019 |
23.355 |
14.979 |
15.287 |
| |
|
Investment in Non-Markeatable Equity
Securities (INMES) |
|
0.642 |
0.649 |
0.662 |
0.662 |
0.667 |
0.668 |
0.667 |
0.667 |
0.678 |
0.678 |
0.681 |
| |
Accumulated Market Gain (Losses) -Financial
Assets |
|
(0.785) |
(1.361) |
(1.138) |
(0.480) |
(0.184) |
(0.153) |
0.184 |
0.560 |
(1.302) |
(0.338) |
(0.408) |
| |
Allowance for Credit Losses-Financial Assets |
|
2.810 |
2.752 |
2.306 |
2.353 |
2.464 |
2.464 |
2.507 |
2.434 |
2.615 |
2.605 |
2.638 |
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Allowance for Credit Losses-AFS |
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1.296 |
1.242 |
0.800 |
0.612 |
0.965 |
0.962 |
1.009 |
0.903 |
0.739 |
0.739 |
0.748 |
| |
|
Allowance for Credit Losses-HTM |
|
0.042 |
0.045 |
0.045 |
0.044 |
0.028 |
0.028 |
0.047 |
0.077 |
0.022 |
0.000 |
0.000 |
| |
|
Allowance for Credit Losses-Unquoted Debt
Securities Classified as Loans |
|
1.405 |
1.397 |
1.394 |
1.584 |
1.350 |
1.352 |
1.330 |
1.333 |
1.734 |
1.745 |
1.769 |
| |
|
Allowance for Credit Losses- INMES |
|
0.068 |
0.068 |
0.068 |
0.114 |
0.120 |
0.121 |
0.121 |
0.121 |
0.120 |
0.120 |
0.120 |
| |
Financial Assets -Net of Allowance for Credit
Losses |
|
194.237 |
185.730 |
193.715 |
209.005 |
198.432 |
205.258 |
196.800 |
194.628 |
194.518 |
181.134 |
178.025 |
| |
Equity Investments In Subsidiaries, Assoc.
& Joint Vent. |
|
0.993 |
1.028 |
1.033 |
0.943 |
0.948 |
0.953 |
0.956 |
2.261 |
2.262 |
2.309 |
2.276 |
| |
Allowance for Credit
Losses-Equity Investment in Subsidiaries, Assoc. and Joint Vent |
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|
0.012 |
0.012 |
0.012 |
0.012 |
0.004 |
0.003 |
0.003 |
0.003 |
0.003 |
0.003 |
0.003 |
| |
Equity Investments In Subsidiaries, Assoc.
& Joint Vent.(Net of Allow. For Credit Losses) |
|
0.981 |
1.015 |
1.020 |
0.931 |
0.944 |
0.950 |
0.953 |
2.258 |
2.259 |
2.306 |
2.273 |
| |
Total Loan Portfolio, gross (net of
amortization) |
|
398.369 |
414.795 |
399.273 |
430.297 |
415.541 |
392.842 |
427.106 |
434.158 |
425.206 |
404.510 |
439.314 |
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Loans and Receivables, gross (net of
amortization) |
|
317.631 |
330.302 |
329.815 |
331.871 |
344.134 |
336.079 |
343.135 |
347.471 |
356.815 |
350.393 |
360.196 |
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|
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 |
|
35.232 |
44.995 |
37.129 |
36.435 |
42.399 |
36.156 |
46.384 |
41.148 |
42.323 |
39.058 |
36.970 |
| |
|
Loans and Receivables -Others |
|
284.663 |
287.586 |
295.062 |
297.826 |
304.148 |
302.324 |
299.270 |
308.929 |
317.183 |
313.698 |
326.129 |
| |
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Unamortized Discount and Other Deferred Credits |
|
2.264 |
2.279 |
2.375 |
2.391 |
2.414 |
2.401 |
2.520 |
2.605 |
2.691 |
2.790 |
2.904 |
| |
|
Loans and Receivables - Others - Net of Amortization |
|
282.399 |
285.307 |
292.687 |
295.435 |
301.735 |
299.923 |
296.751 |
306.324 |
314.492 |
310.909 |
323.225 |
| |
|
Loans and
Receivables Arising from Repurchase Agreements, Certificates of
Assignment/Participation with Recourse, and Securities Lending and Borrowing
Transactions |
|
80.738 |
84.493 |
69.458 |
98.426 |
71.407 |
56.764 |
83.971 |
86.687 |
68.391 |
54.117 |
79.118 |
| |
Allowance for Credit Losses-Loans |
|
17.230 |
17.298 |
17.299 |
18.162 |
18.351 |
17.191 |
15.400 |
15.399 |
15.127 |
14.786 |
14.676 |
| |
|
Allowance for Credit Losses-Interbank Loans
Receivable |
|
1.187 |
1.192 |
1.197 |
1.202 |
1.207 |
0.189 |
0.198 |
0.206 |
0.215 |
0.223 |
0.232 |
| |
|
Allowance for Credit Losses-Loans and
Receivables -Other |
|
11.262 |
11.536 |
11.730 |
12.538 |
12.917 |
12.832 |
10.300 |
10.565 |
10.470 |
9.467 |
9.295 |
| |
|
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) |
|
4.780 |
4.570 |
4.372 |
4.421 |
4.227 |
4.170 |
4.902 |
4.627 |
4.442 |
5.096 |
5.149 |
| |
Total Loan Portfolio, Net of Allowance for
Credit Losses |
|
381.139 |
397.497 |
381.975 |
412.135 |
397.190 |
375.651 |
411.706 |
418.759 |
410.080 |
389.724 |
424.638 |
| |
Total ROPA |
|
12.423 |
12.397 |
12.397 |
12.209 |
12.262 |
12.105 |
11.957 |
11.861 |
11.838 |
11.771 |
11.726 |
| |
|
Sales Contract Receivable |
|
2.522 |
2.514 |
2.506 |
2.493 |
2.481 |
2.535 |
2.636 |
2.641 |
2.579 |
2.599 |
2.581 |
| |
|
Non-Current Assets Held for Sale |
|
1.781 |
1.755 |
1.844 |
1.656 |
1.651 |
1.462 |
1.426 |
1.365 |
1.295 |
1.261 |
1.220 |
| |
|
Real and Other Properties Acquired |
|
8.120 |
8.129 |
8.047 |
8.060 |
8.130 |
8.108 |
7.895 |
7.855 |
7.964 |
7.911 |
7.926 |
| |
Accumulated Depreciation |
|
0.999 |
0.958 |
0.953 |
0.954 |
0.982 |
0.934 |
0.935 |
0.923 |
0.937 |
0.939 |
0.917 |
| |
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 |
| |
Allowance for Losses - ROPA |
|
0.830 |
0.875 |
0.896 |
0.919 |
0.913 |
0.914 |
0.914 |
0.915 |
0.936 |
0.906 |
0.905 |
| |
|
Allowance for Credit Losses- Sales Contract
Receivable |
|
0.012 |
0.012 |
0.012 |
0.012 |
0.013 |
0.016 |
0.016 |
0.016 |
0.016 |
0.016 |
0.016 |
| |
|
Allowance for Losses -Real and Other
Properties Acquired |
|
0.763 |
0.806 |
0.825 |
0.857 |
0.849 |
0.842 |
0.838 |
0.823 |
0.845 |
0.832 |
0.832 |
| |
|
Allowance for Credit Losses -Non Current
Assets held for Sale |
|
0.055 |
0.057 |
0.060 |
0.050 |
0.051 |
0.056 |
0.060 |
0.077 |
0.076 |
0.058 |
0.057 |
| |
ROPA, Net of Allowance for Losses |
|
10.594 |
10.565 |
10.547 |
10.336 |
10.367 |
10.258 |
10.108 |
10.023 |
9.964 |
9.926 |
9.904 |
| |
Total Other Assets, Net |
|
65.619 |
76.308 |
64.093 |
64.145 |
61.356 |
65.196 |
66.909 |
61.367 |
59.220 |
61.226 |
68.547 |
| |
|
Derivatives with Positive Fair Value Held for
Hedging |
|
0.000 |
0.000 |
0.000 |
0.000 |
0.074 |
0.072 |
0.083 |
0.095 |
0.080 |
0.099 |
0.085 |
| |
|
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 |
| |
|
Goodwill |
|
1.909 |
1.909 |
1.909 |
1.909 |
2.009 |
1.777 |
1.777 |
1.777 |
1.777 |
1.777 |
1.777 |
| |
|
|
Allowance for
Losses |
|
0.086 |
0.086 |
0.086 |
0.102 |
0.102 |
0.102 |
0.102 |
0.102 |
0.102 |
0.102 |
0.102 |
| |
|
Goodwill - Net |
|
1.823 |
1.823 |
1.823 |
1.806 |
1.907 |
1.674 |
1.674 |
1.674 |
1.674 |
1.675 |
1.675 |
| |
|
Accrued Interest Income from Financial Assets |
|
6.152 |
6.073 |
5.433 |
6.131 |
6.697 |
6.972 |
5.895 |
6.390 |
5.716 |
6.104 |
6.384 |
| |
|
|
Allowance for Credit Losses |
|
1.464 |
1.463 |
1.390 |
1.381 |
1.416 |
1.357 |
1.284 |
1.251 |
1.325 |
1.618 |
1.624 |
| |
|
Accrued Interest Income from Financial Assets,
net |
|
4.688 |
4.610 |
4.042 |
4.751 |
5.281 |
5.614 |
4.610 |
5.139 |
4.391 |
4.486 |
4.760 |
| |
|
Bank Premises, Furniture, Fixture and
Equipment |
|
16.408 |
16.245 |
16.628 |
16.825 |
17.350 |
17.431 |
17.606 |
17.385 |
17.200 |
17.628 |
17.681 |
| |
|
|
Accumulated Depreciation |
|
7.709 |
7.517 |
7.774 |
7.846 |
8.152 |
8.223 |
8.343 |
8.321 |
8.136 |
8.474 |
8.489 |
| |
|
|
Allowance for Losses |
|
0.127 |
0.127 |
0.127 |
0.118 |
0.118 |
0.118 |
0.118 |
0.062 |
0.062 |
0.062 |
0.062 |
| |
|
Bank Premises, Furniture, Fixture and
Equipment - Net |
|
8.572 |
8.601 |
8.727 |
8.862 |
9.080 |
9.090 |
9.145 |
9.001 |
9.002 |
9.092 |
9.130 |
| |
|
Other Intangible Assets |
|
1.363 |
1.355 |
1.359 |
1.362 |
1.388 |
1.434 |
1.473 |
1.516 |
1.587 |
1.577 |
1.599 |
| |
|
|
Accumulated Amortization |
|
0.758 |
0.769 |
0.775 |
0.782 |
0.795 |
0.805 |
0.786 |
0.787 |
0.800 |
0.805 |
0.809 |
| |
|
|
Allowance for Losses |
|
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
| |
|
Other Intangible Assets, net |
|
0.605 |
0.586 |
0.584 |
0.580 |
0.593 |
0.629 |
0.687 |
0.729 |
0.787 |
0.772 |
0.790 |
| |
|
Deferred Tax Asset |
|
6.576 |
6.599 |
6.579 |
6.645 |
6.648 |
6.728 |
6.618 |
6.647 |
6.829 |
6.828 |
6.845 |
| |
|
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 |
|
47.705 |
58.497 |
46.956 |
46.044 |
42.260 |
45.864 |
48.574 |
42.643 |
40.960 |
41.824 |
48.836 |
| |
|
|
Allowance for Losses |
|
4.350 |
4.407 |
4.617 |
4.543 |
4.486 |
4.476 |
4.483 |
4.560 |
4.504 |
3.551 |
3.574 |
| |
|
Other Assets - Net |
|
43.355 |
54.090 |
42.339 |
41.501 |
37.774 |
41.388 |
44.092 |
38.082 |
36.456 |
38.274 |
45.262 |
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
LIABILITIES AND CAPITAL |
|
829.113 |
840.809 |
804.817 |
849.728 |
819.179 |
803.482 |
854.881 |
868.185 |
850.912 |
861.170 |
888.153 |
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
Liability Accounts |
|
715.354 |
719.559 |
680.506 |
726.263 |
699.181 |
681.817 |
730.577 |
742.673 |
725.971 |
734.093 |
760.218 |
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
Financial Liabilities Held for Trading |
|
13.844 |
13.205 |
13.489 |
14.893 |
7.689 |
8.004 |
10.364 |
10.403 |
8.686 |
12.167 |
7.369 |
| |
Financial Liabilities Designated at Fair Value
through Profit or Loss |
|
0.011 |
0.011 |
0.044 |
0.044 |
0.061 |
0.046 |
0.046 |
0.047 |
0.047 |
0.047 |
0.046 |
| |
Deposit Liabilities |
|
565.477 |
549.867 |
544.074 |
550.482 |
565.363 |
546.669 |
573.405 |
575.750 |
549.179 |
553.279 |
565.704 |
| |
|
Peso |
|
381.473 |
367.177 |
363.683 |
370.755 |
385.928 |
381.389 |
399.861 |
406.184 |
386.018 |
394.060 |
398.299 |
| |
|
Demand & NOW |
|
140.038 |
142.331 |
133.885 |
141.156 |
146.176 |
141.585 |
142.780 |
154.169 |
144.166 |
143.691 |
150.404 |
| |
|
Savings Deposits |
|
132.045 |
120.064 |
120.087 |
115.375 |
128.496 |
128.685 |
137.385 |
142.917 |
129.390 |
133.767 |
127.221 |
| |
|
Time Certificate of Deposits |
|
105.847 |
101.228 |
106.146 |
110.649 |
107.671 |
107.523 |
116.090 |
105.482 |
108.834 |
112.964 |
117.025 |
| |
|
LTNCD |
|
3.543 |
3.553 |
3.564 |
3.574 |
3.585 |
3.596 |
3.606 |
3.617 |
3.628 |
3.639 |
3.649 |
| |
|
Foreign Currency |
|
184.004 |
182.690 |
180.391 |
179.727 |
179.435 |
165.280 |
173.544 |
169.566 |
163.161 |
159.219 |
167.404 |
| |
Bills Payable |
|
25.381 |
28.269 |
28.460 |
31.335 |
32.717 |
34.492 |
33.530 |
36.487 |
37.333 |
33.426 |
31.940 |
| |
|
Deposit Substitutes |
|
1.629 |
2.393 |
1.856 |
1.772 |
1.989 |
1.825 |
4.840 |
8.467 |
7.044 |
5.261 |
4.133 |
| |
|
Others |
|
23.751 |
25.877 |
26.604 |
29.564 |
30.728 |
32.666 |
28.690 |
28.021 |
30.289 |
28.165 |
27.807 |
| |
Special Financing |
|
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 - SF |
|
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 |
| |
Unsecured Subordinated Debt |
|
4.395 |
4.406 |
4.419 |
4.431 |
4.444 |
4.456 |
4.469 |
4.482 |
4.494 |
4.508 |
4.512 |
| |
|
|
Unamortized Debt Discount/Premium |
|
(0.001) |
(0.001) |
(0.001) |
(0.001) |
(0.001) |
(0.000) |
(0.000) |
(0.000) |
(0.000) |
(0.000) |
0.000 |
| |
Unsecured Subordinated Debt - Net |
|
4.394 |
4.405 |
4.418 |
4.430 |
4.443 |
4.456 |
4.469 |
4.482 |
4.494 |
4.508 |
4.512 |
| |
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 |
|
106.246 |
123.800 |
90.020 |
125.078 |
88.906 |
88.148 |
108.762 |
115.503 |
126.231 |
130.666 |
150.646 |
| |
|
Due to Other Banks |
|
20.612 |
24.024 |
18.075 |
17.782 |
23.213 |
20.342 |
17.080 |
24.765 |
34.818 |
18.567 |
19.619 |
| |
|
Bonds Payable |
|
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 |
| |
|
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 |
| |
|
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 |
|
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.037 |
| |
|
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 |
|
1.565 |
1.535 |
1.421 |
1.534 |
1.668 |
1.797 |
1.526 |
1.642 |
1.441 |
1.571 |
1.736 |
| |
|
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 |
| |
|
Due to Treasurer of the Philippines |
|
0.088 |
0.089 |
0.090 |
0.090 |
0.090 |
0.090 |
0.095 |
0.095 |
0.095 |
0.094 |
0.094 |
| |
|
Treasurer/Cashier/Manager's Checks |
|
6.912 |
6.924 |
7.707 |
8.296 |
5.706 |
8.307 |
6.946 |
6.312 |
7.242 |
7.391 |
6.639 |
| |
|
Payment Orders Payable |
|
0.259 |
0.362 |
0.254 |
0.338 |
0.158 |
0.214 |
0.173 |
0.252 |
0.161 |
0.176 |
0.351 |
| |
|
Margin Deposits on LCs and Customers'
Liability on Bills/Drafts under LCs and/or TRs |
|
0.106 |
0.102 |
0.107 |
0.118 |
0.317 |
0.068 |
0.073 |
0.038 |
0.028 |
0.548 |
0.019 |
| |
|
Cash Letters of Credit |
|
2.994 |
2.985 |
2.968 |
2.871 |
2.840 |
2.831 |
2.741 |
2.750 |
2.844 |
2.770 |
2.828 |
| |
|
Outstanding Acceptances Executed by or for
Account of this Bank |
|
0.584 |
0.731 |
0.670 |
0.749 |
1.026 |
0.606 |
1.044 |
1.001 |
0.821 |
0.812 |
1.145 |
| |
|
Due to Bangko Sentral ng Pilipinas |
|
0.118 |
0.137 |
0.157 |
0.174 |
0.150 |
0.166 |
0.072 |
0.072 |
0.072 |
0.072 |
0.071 |
| |
|
Due to Philippine Deposit Insurance
Corporation |
|
0.033 |
0.012 |
0.027 |
0.033 |
0.058 |
0.080 |
0.017 |
0.033 |
0.059 |
0.075 |
0.091 |
| |
|
Due to Philippine Crop Insurance Corporation |
|
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 |
|
0.407 |
0.385 |
0.407 |
0.142 |
0.124 |
0.187 |
0.144 |
0.129 |
0.111 |
0.116 |
0.103 |
| |
|
Other Taxes and Licenses Payable |
|
0.481 |
0.445 |
0.461 |
0.383 |
0.410 |
0.438 |
0.442 |
0.448 |
0.473 |
0.483 |
0.446 |
| |
|
Accrued Expenses |
|
3.738 |
3.719 |
3.658 |
3.886 |
3.647 |
3.882 |
2.773 |
3.596 |
3.833 |
4.064 |
3.566 |
| |
|
Unearned Income |
|
7.084 |
6.982 |
6.899 |
6.809 |
6.699 |
7.664 |
7.532 |
7.458 |
7.280 |
7.178 |
7.072 |
| |
|
Deferred Tax Liabilities |
|
1.167 |
1.166 |
1.172 |
1.170 |
1.170 |
1.170 |
1.170 |
1.152 |
1.153 |
1.156 |
1.156 |
| |
|
Provisions |
|
0.119 |
0.104 |
0.101 |
0.104 |
0.107 |
0.108 |
0.110 |
0.266 |
0.275 |
0.277 |
0.277 |
| |
|
Other Liabilities |
|
24.538 |
39.840 |
23.447 |
27.718 |
20.322 |
25.305 |
25.884 |
25.036 |
20.355 |
21.539 |
38.927 |
| |
|
Due to Head Office/Branches/Agencies
(Philippine branch of a foreign bank) |
|
35.443 |
34.258 |
22.400 |
52.882 |
21.201 |
14.894 |
40.939 |
40.459 |
45.169 |
63.777 |
66.469 |
| |
|
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 |
|
113.759 |
121.250 |
124.311 |
123.466 |
119.998 |
121.666 |
124.305 |
125.512 |
124.941 |
127.077 |
127.935 |
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
Paid in Capital Stock |
|
46.816 |
46.816 |
46.816 |
46.816 |
47.874 |
49.780 |
49.780 |
49.780 |
50.591 |
50.591 |
52.078 |
| |
Additional Paid-in Capital |
|
7.698 |
7.698 |
7.698 |
7.698 |
8.113 |
8.399 |
8.399 |
8.399 |
9.038 |
9.038 |
9.038 |
| |
Other Equity Instruments |
|
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
| |
Retained Earnings |
|
5.705 |
5.557 |
5.500 |
4.211 |
4.891 |
4.053 |
4.233 |
3.955 |
3.821 |
3.761 |
3.394 |
| |
Stock Dividend Distributable |
|
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.000 |
0.057 |
0.057 |
0.057 |
| |
Undivided Profits |
|
0.119 |
0.283 |
0.726 |
0.966 |
1.254 |
1.557 |
1.836 |
2.377 |
2.352 |
3.284 |
3.599 |
| |
Other Comprehensive Income |
|
(1.343) |
(1.639) |
(1.529) |
(1.052) |
(0.809) |
(0.834) |
1.507 |
1.463 |
(0.748) |
0.601 |
0.175 |
| |
Appraisal Increment Reserve |
|
0.409 |
0.409 |
0.409 |
0.435 |
0.435 |
0.335 |
0.335 |
0.335 |
0.280 |
0.280 |
0.280 |
| |
Treasury Stock |
|
(0.020) |
(0.020) |
(0.021) |
(0.021) |
(0.021) |
(0.021) |
(0.021) |
(0.021) |
(0.021) |
(0.021) |
(0.021) |
| |
Assigned Capital |
|
12.874 |
12.874 |
13.486 |
13.483 |
12.249 |
12.249 |
12.249 |
12.249 |
12.249 |
12.249 |
12.249 |
| |
Net Due to HO/Br/Ag |
|
41.501 |
49.273 |
51.225 |
50.928 |
46.011 |
46.146 |
45.985 |
46.975 |
47.322 |
47.236 |
47.086 |
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
Key
Ratios |
|
|
|
|
|
|
|
|
|
|
|
|
| |
Cash and Due from Banks to Deposits |
|
31.22 |
30.86 |
28.21 |
27.83 |
26.69 |
26.74 |
29.37 |
31.46 |
31.84 |
39.19 |
36.20 |
| |
Liquid Assets to Deposits 3/ |
|
65.57 |
64.64 |
63.81 |
65.79 |
61.79 |
64.29 |
63.69 |
65.27 |
67.26 |
71.93 |
67.67 |
| |
Loans, gross to Deposits |
|
70.45 |
75.44 |
73.39 |
78.17 |
73.50 |
71.86 |
74.49 |
75.41 |
77.43 |
73.11 |
77.66 |
| |
Capital Adequacy Ratio (CAR) 4/ |
|
|
|
|
|
|
|
|
|
|
|
|
| |
|
|
Solo Basis |
|
|
|
20.22 |
|
|
|
|
|
|
|
|
| |
|
|
Consolidated Basis |
|
|
|
20.00 |
|
|
|
|
|
|
|
|
| |
Total Capital Accounts to Total Assets 5/ |
|
13.72 |
14.42 |
15.45 |
14.53 |
14.65 |
15.14 |
14.54 |
14.46 |
14.68 |
14.76 |
14.40 |
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| |
1/ Inclusive
of other branches / subsidiaries of foreign banks |
| |
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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