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| 31 CONSOLIDATED
STATEMENT OF INCOME AND EXPENSES AND KEY RATIOS |
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| Commercial Banking System 1/ |
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| for the periods indicated |
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| in billion pesos |
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Selected Accounts |
COMMERCIAL BANKS |
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Mar-10 |
Jun-10 |
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Income and Expense Accounts |
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Interest Income |
10.506 |
20.912 |
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Interest Expense |
3.515 |
7.092 |
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Provision for Losses on Accrued Interest Income
from Financial Assets |
0.003 |
0.008 |
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Net Interest Income |
6.988 |
13.811 |
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Non-Interest Income |
4.165 |
8.020 |
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Dividend Income |
0.006 |
0.014 |
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Fees and Commissions Income |
2.179 |
4.026 |
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Payment Services |
0.234 |
0.333 |
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Intermediation Services |
1.184 |
2.131 |
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Custodianship |
0.035 |
0.076 |
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Underwriting and Securities Dealership |
0.000 |
0.000 |
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Securitization Activities |
0.000 |
0.000 |
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Income from Fiduciary Activities |
0.171 |
0.299 |
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Others |
0.555 |
1.186 |
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Gains/(Losses) on Financial Assets and
Liabilities Held for Trading |
1.072 |
1.501 |
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Gains/(Losses) on Financial Assets and
Liabilities Designated at Fair Value through Profit or Loss |
0.012 |
0.028 |
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Foreign Exchange Profit/(Loss) |
(0.155) |
0.344 |
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Gains/(Losses) from
Sale/Redemption/Derecognition of Non-Trading Financial Assets and Liabilities |
0.319 |
0.704 |
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Gains/(Losses) on
Fair Value Adjustment in Hedge Accounting |
0.000 |
0.000 |
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Gains/(Losses)
from Sale/Derecognition of Non-Financial Assets |
0.179 |
0.303 |
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Bank Premises, Furniture,
Fixture and Equipment |
0.010 |
0.033 |
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ROPA |
0.168 |
0.270 |
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Goodwill |
0.000 |
0.000 |
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Other Intangibles |
0.000 |
0.000 |
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Other Income |
0.555 |
1.100 |
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Non-Interest Expense |
7.208 |
14.392 |
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Compensation/Fringe Benefits |
2.199 |
4.401 |
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Taxes and Licenses |
0.672 |
1.266 |
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Fees and Commissions Expenses |
0.095 |
0.166 |
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Other Administrative Expenses |
3.039 |
6.138 |
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Depreciation/Amortization |
0.729 |
1.472 |
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Impairment Losses |
0.012 |
0.027 |
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Investment in Subsidiaries,
Associates and Joint Ventures |
0.000 |
0.000 |
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Bank Premises, Furniture,
Fixture and Equipment |
0.000 |
0.000 |
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ROPA |
0.006 |
0.019 |
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Goodwill |
0.000 |
0.000 |
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Other Intangible Assets |
0.000 |
0.000 |
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Other Assets |
0.007 |
0.008 |
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Provisions |
0.462 |
0.921 |
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Losses/Recoveries on Financial Assets |
(0.962) |
(1.899) |
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Provision for
Credit Losses on Loans and Receivables and Other Financial Assets |
(1.060) |
(2.156) |
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Bad Debts Written
Off |
0.000 |
0.000 |
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Recovery on
Charged-Off Assets |
0.098 |
0.257 |
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Net Profit Before
Share in the Profit/(Loss) of Unconsolidated Subsidiaries, Associates and
Joint Ventures Accounted for Using the Equity Method |
2.983 |
5.540 |
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Share in the
Profit/(Loss) of Unconsolidated Subsidiaries, Associates and Joint Ventures
Accounted for Using the Equity Method |
0.000 |
0.000 |
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Share in the
Profit/(Loss) of Unconsolidated Subsidiaries |
0.000 |
0.000 |
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Share in the
Profit/(Loss) of Associates |
0.000 |
0.000 |
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Share in the
Profit/(Loss) of Joint Ventures |
0.000 |
0.000 |
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Total Profit/Loss
Before Tax and Before Minority Interest |
2.983 |
5.540 |
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Income Tax
Expense |
0.734 |
1.593 |
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Total Profit/Loss
After Tax and Before Minority Interest |
2.250 |
3.947 |
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Minority Interest
in Profit/(Loss) of Subsidiaries (for consolidated report only) |
0.000 |
0.000 |
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Net Profit or
Loss |
2.250 |
3.947 |
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Key
Ratios |
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Earning Asset Yield
2/ |
6.83 |
6.76 |
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Funding Cost 3/ |
2.89 |
2.76 |
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Interest Spread 4/ |
3.95 |
4.00 |
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Net Interest Margin 5/ |
4.84 |
4.26 |
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Net Interest Income to Total Operating
Income |
61.66 |
62.19 |
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Cost to Income Ratio
6/ |
65.18 |
66.35 |
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Return on Assets |
0.86 |
0.89 |
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Return on Equity |
6.60 |
6.38 |
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1/ Inclusive of other branches/subsidiaries of
foreign banks |
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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 |
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3/ Ratio of annualized Interest Expense to Interest Bearing
Liabilities ( Deposit Liabilities + Bills Payable + Unsecured Subordinated
Debt + Bonds Payable, Net + Redeemable Preferred Shares |
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4/ Earning assets Yield - Funding Cost |
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5/ Ratio of Annualized Net Interest Income (Interest Income -
Interest Expense) to Average Earning Assets |
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6/ Ratio of Annualized Non-Interest Expense, Net of Impairment
Losses to Annualized Total Operating Income (Net Interest Income +
Non-Interest Income) |
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Note: Details may
not add up to totals due to rounding-off |
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Source:
Supervisory Data Center, Supervision and Examination Sector |
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Updated as of 12 August 2010 |
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