34 Selected Performance Indicators                          
                             
                             
  Commercial Bank Group                          
  as of end of periods indicated                          
  amounts in thousand Pesos, ratios in percent (%)                          
                             
   
  Selected Accounts Jan-19 Feb-19 Mar-19 Apr-19 May-19 Jun-19 Jul-19 Aug-19 Sep-19 Oct-19 Nov-19 Dec-19  
   
  ASSET QUALITY RATIOS:   
  Past Due Ratio 2.65 2.73 2.77 2.70 2.96 3.14 3.09 3.44 3.12 2.92 2.63 2.54  
  Past Due Loans 19,278,563.91 18,901,746.86 19,628,413.22 20,216,579.57 20,913,641.04 23,690,192.74 23,507,827.39 24,752,195.33 23,887,558.83 21,547,988.97 19,346,600.49 19,304,853.36  
  Total Loan Portfolio (TLP), gross  727,316,406.07 692,845,682.84 709,262,333.35 748,040,149.72 707,626,951.24 754,236,361.94 760,364,275.78 719,680,504.84 766,498,111.57 738,318,476.88 735,050,738.43 760,167,066.17  
  RL to TLP 0.36 0.41 0.56 0.40 0.42 0.39 0.39 0.42 0.44 0.46 0.46 0.39  
  Restructured Loans (RL), gross 2,600,244.41 2,842,243.97 3,986,735.89 2,976,929.65 2,967,243.07 2,959,561.57 2,983,813.79 2,989,640.00 3,371,025.56 3,378,412.84 3,365,078.31 2,966,025.22  
  TLP, gross  727,316,406.07 692,845,682.84 709,262,333.35 748,040,149.72 707,626,951.24 754,236,361.94 760,364,275.78 719,680,504.84 766,498,111.57 738,318,476.88 735,050,738.43 760,167,066.17  
  Loan Loss Reserves (LLR) to TLP 2.22 2.34 2.24 2.12 2.28 2.18 2.19 2.32 2.21 2.19 2.23 2.14  
  Allowance for Credit Losses (ACL) - TLP 16,169,795.02 16,231,081.16 15,884,634.72 15,829,462.97 16,141,604.28 16,429,801.97 16,654,332.26 16,686,510.64 16,913,825.46 16,169,096.82 16,362,909.43 16,245,902.50  
  TLP, gross  727,316,406.07 692,845,682.84 709,262,333.35 748,040,149.72 707,626,951.24 754,236,361.94 760,364,275.78 719,680,504.84 766,498,111.57 738,318,476.88 735,050,738.43 760,167,066.17  
  Gross NPL Ratio 1.51 1.59 1.56 1.46 1.68 1.65 1.63 1.78 1.66 1.66 1.80 1.70  
  Gross Non-Performing Loans (NPL) 10,953,067.79 11,039,857.59 11,037,202.56 10,939,294.47 11,904,494.68 12,421,939.14 12,379,494.08 12,833,727.00 12,718,979.39 12,230,798.93 13,201,350.24 12,904,474.01  
  TLP, gross  727,316,406.07 692,845,682.84 709,262,333.35 748,040,149.72 707,626,951.24 754,236,361.94 760,364,275.78 719,680,504.84 766,498,111.57 738,318,476.88 735,050,738.43 760,167,066.17  
  Gross NPL Ratio, net of IBL 1.61 1.72 1.65 1.58 1.77 1.74 1.74 1.89 1.76 1.75 1.90 1.77  
  Gross NPL, net of NP IBL 10,953,067.79 11,039,857.59 11,037,202.56 10,939,294.47 11,904,494.68 12,421,939.14 12,379,494.08 12,833,727.00 12,718,979.39 12,230,798.93 13,201,350.24 12,904,474.01  
  (1) Gross NPL 10,953,067.79 11,039,857.59 11,037,202.56 10,939,294.47 11,904,494.68 12,421,939.14 12,379,494.08 12,833,727.00 12,718,979.39 12,230,798.93 13,201,350.24 12,904,474.01  
  (2) Non-performing IBL 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00  
  TLP, gross net of IBL 680,061,069.08 643,243,595.20 670,212,322.62 691,310,698.57 672,894,836.82 714,163,419.24 710,534,283.25 680,052,510.73 723,479,191.52 699,564,416.53 694,287,059.78 727,266,967.32  
  (1) TLP, gross 727,316,406.07 692,845,682.84 709,262,333.35 748,040,149.72 707,626,951.24 754,236,361.94 760,364,275.78 719,680,504.84 766,498,111.57 738,318,476.88 735,050,738.43 760,167,066.17  
  (2) Interbank Loans Receivables (IBL) 47,255,336.99 49,602,087.64 39,050,010.73 56,729,451.15 34,732,114.42 40,072,942.71 49,829,992.53 39,627,994.11 43,018,920.05 38,754,060.35 40,763,678.65 32,900,098.85  
  Net NPL Ratio1/ 0.52 0.56 0.53 0.49 0.67 0.68 0.63 0.72 0.67 0.71 0.82 0.79  
  NPL, net of Specific ACL1/ 3,777,616.94 3,863,320.20 3,790,524.50 3,689,209.43 4,706,981.00 5,137,141.55 4,778,202.78 5,158,469.27 5,132,512.54 5,226,194.61 6,036,481.62 5,990,185.86  
  (1) Gross NPL 10,953,067.79 11,039,857.59 11,037,202.56 10,939,294.47 11,904,494.68 12,421,939.14 12,379,494.08 12,833,727.00 12,718,979.39 12,230,798.93 13,201,350.24 12,904,474.01  
  (2) Specific ACL 7,175,450.84 7,176,537.38 7,246,678.07 7,250,085.04 7,197,513.68 7,284,797.60 7,601,291.30 7,675,257.73 7,586,466.84 7,004,604.32 7,164,868.62 6,914,288.15  
  TLP, gross  727,316,406.07 692,845,682.84 709,262,333.35 748,040,149.72 707,626,951.24 754,236,361.94 760,364,275.78 719,680,504.84 766,498,111.57 738,318,476.88 735,050,738.43 760,167,066.17  
  NPL Coverage Ratio 147.63 147.02 143.92 144.70 135.59 132.26 134.53 130.02 132.98 132.20 123.95 125.89  
  ACL - TLP 16,169,795.02 16,231,081.16 15,884,634.72 15,829,462.97 16,141,604.28 16,429,801.97 16,654,332.26 16,686,510.64 16,913,825.46 16,169,096.82 16,362,909.43 16,245,902.50  
  Gross NPL 10,953,067.79 11,039,857.59 11,037,202.56 10,939,294.47 11,904,494.68 12,421,939.14 12,379,494.08 12,833,727.00 12,718,979.39 12,230,798.93 13,201,350.24 12,904,474.01  
  NPL Coverage Ratio, excl. GLLP 92.31 92.15 89.39 91.38 85.52 84.01 84.35 81.40 82.27 82.42 76.98 78.28  
  Spec. ACL - TLP 10,110,249.28 10,172,841.87 9,865,645.70 9,996,505.04 10,180,165.64 10,435,499.38 10,441,956.91 10,446,903.19 10,464,014.31 10,080,829.51 10,162,839.34 10,101,521.98  
  Gross NPL 10,953,067.79 11,039,857.59 11,037,202.56 10,939,294.47 11,904,494.68 12,421,939.14 12,379,494.08 12,833,727.00 12,718,979.39 12,230,798.93 13,201,350.24 12,904,474.01  
  NPA to Gross Assets  1.57 1.60 1.61 1.61 1.68 1.71 1.67 1.71 1.73 1.70 1.70 1.71  
  Non-Performing Assets (NPA) 19,650,044.84 19,732,875.64 19,731,878.69 19,769,645.16 20,589,726.48 21,146,394.34 21,131,236.72 21,601,355.51 21,446,057.83 21,110,253.85 21,696,193.93 21,798,784.44  
  (1) Gross NPL 10,953,067.79 11,039,857.59 11,037,202.56 10,939,294.47 11,904,494.68 12,421,939.14 12,379,494.08 12,833,727.00 12,718,979.39 12,230,798.93 13,201,350.24 12,904,474.01  
  (2) ROPA, gross 8,696,977.06 8,693,018.06 8,694,676.12 8,830,350.69 8,685,231.80 8,724,455.20 8,751,742.64 8,767,628.51 8,727,078.44 8,879,454.92 8,494,843.69 8,894,310.43  
  (a) Real and Other Properties Acquired (ROPA) 8,226,129.14 8,221,374.35 8,178,650.30 8,332,019.20 8,378,668.64 8,407,471.70 8,445,164.25 8,474,281.47 8,425,644.58 8,572,337.85 8,191,553.58 8,601,727.72  
  (b) Non-Current Assets Held for Sale 55,059.62 55,059.62 54,759.62 54,759.62 54,759.62 54,759.62 54,759.62 54,759.62 54,759.62 54,759.62 54,759.62 54,759.62  
  (c) Non-Performing Sales Contract Receivables (SCR) 415,788.29 416,584.08 461,266.20 443,571.87 251,803.54 262,223.88 251,818.76 238,587.41 246,674.24 252,357.45 248,530.49 237,823.08  
  Gross Assets 1,250,731,312.46 1,232,870,540.05 1,225,162,983.87 1,231,085,283.76 1,223,640,854.98 1,235,642,128.84 1,263,494,584.20 1,264,682,055.81 1,240,694,419.05 1,240,395,158.12 1,276,097,166.75 1,278,484,081.85  
  (1) Total Assets 1,232,527,269.33 1,214,603,264.30 1,207,275,903.02 1,213,234,112.14 1,205,451,066.73 1,217,151,416.73 1,244,751,964.51 1,245,893,773.51 1,221,677,505.07 1,222,119,374.27 1,257,712,041.54 1,260,182,355.75  
  (2) Allowance on NPA 18,204,043.13 18,267,275.75 17,887,080.85 17,851,171.62 18,189,788.24 18,490,712.11 18,742,619.68 18,788,282.30 19,016,913.98 18,275,783.85 18,385,125.21 18,301,726.10  
  NPA Coverage Ratio 92.64 92.57 90.65 90.30 88.34 87.44 88.70 86.98 88.67 86.57 84.74 83.96  
  Allowance on NPA 18,204,043.13 18,267,275.75 17,887,080.85 17,851,171.62 18,189,788.24 18,490,712.11 18,742,619.68 18,788,282.30 19,016,913.98 18,275,783.85 18,385,125.21 18,301,726.10  
  NPA 19,650,044.84 19,732,875.64 19,731,878.69 19,769,645.16 20,589,726.48 21,146,394.34 21,131,236.72 21,601,355.51 21,446,057.83 21,110,253.85 21,696,193.93 21,798,784.44  
  Distressed Assets Ratio 2.79 2.96 3.05 2.77 3.04 2.92 2.91 3.13 2.96 3.03 3.04 2.98  
  Distressed Assets 20,583,139.66 20,805,496.52 21,938,757.32 20,972,648.62 21,787,318.66 22,328,444.20 22,415,026.98 22,790,271.77 22,980,964.40 22,622,621.56 22,645,330.36 22,918,695.99  
  NPA 19,650,044.84 19,732,875.64 19,731,878.69 19,769,645.16 20,589,726.48 21,146,394.34 21,131,236.72 21,601,355.51 21,446,057.83 21,110,253.85 21,696,193.93 21,798,784.44  
  RL, Performing 933,094.82 1,072,620.87 2,206,878.64 1,203,003.45 1,197,592.19 1,182,049.86 1,283,790.26 1,188,916.25 1,534,906.57 1,512,367.71 949,136.43 1,119,911.56  
  TLP, gross  727,316,406.07 692,845,682.84 709,262,333.35 748,040,149.72 707,626,951.24 754,236,361.94 760,364,275.78 719,680,504.84 766,498,111.57 738,318,476.88 735,050,738.43 760,167,066.17  
  Total ROPA 9,374,502.59 9,368,897.84 9,284,428.03 9,413,872.91 9,435,773.94 9,410,483.32 9,413,596.39 9,424,322.65 9,355,265.15 9,481,715.71 9,497,750.33 9,964,521.93  
  (1) ROPA, gross 8,696,977.06 8,693,018.06 8,694,676.12 8,830,350.69 8,685,231.80 8,724,455.20 8,751,742.64 8,767,628.51 8,727,078.44 8,879,454.92 8,494,843.69 8,894,310.43  
  (2) Performing SCR 677,525.53 675,879.78 589,751.91 583,522.22 750,542.14 686,028.12 661,853.75 656,694.14 628,186.71 602,260.79 1,002,906.64 1,070,211.50  
  LIQUIDITY RATIOS  
  (1) Cash and Due from Banks to Deposits 22.20 24.58 24.95 20.31 24.27 24.13 24.48 27.10 25.70 25.73 29.17 28.51  
  Cash and Due from Banks   190,783,001.33 205,695,805.43 206,746,413.81 168,190,918.53 197,747,800.19 200,026,109.71 212,078,349.55 230,547,469.29 210,672,376.52 215,804,832.45 250,284,481.47 242,396,471.23  
  Deposits 859,554,990.86 836,678,210.05 828,604,867.30 827,983,531.05 814,683,216.58 829,000,133.92 866,275,483.16 850,760,105.38 819,666,781.51 838,613,746.34 857,990,929.19 850,103,662.74  
  (2) Liquid Assets to Deposits Ratio 54.20 57.84 54.80 51.14 55.92 50.99 50.69 56.26 51.01 53.44 56.64 53.75  
  Liquid Assets, sum of: 465,908,917.50 483,941,986.07 454,112,843.63 423,446,794.59 455,533,970.55 422,695,708.45 439,084,142.01 478,619,611.90 418,151,909.19 448,163,041.92 485,983,705.51 456,906,048.88  
  (1) Cash and Due from Banks 190,783,001.33 205,695,805.43 206,746,413.81 168,190,918.53 197,747,800.19 200,026,109.71 212,078,349.55 230,547,469.29 210,672,376.52 215,804,832.45 250,284,481.47 242,396,471.23  
  (2) Financial Assets, net (excl. equity investments) 275,125,916.17 278,246,180.64 247,366,429.82 255,255,876.06 257,786,170.36 222,669,598.75 227,005,792.46 248,072,142.61 207,479,532.67 232,358,209.47 235,699,224.05 214,509,577.65  
  Deposits 859,554,990.86 836,678,210.05 828,604,867.30 827,983,531.05 814,683,216.58 829,000,133.92 866,275,483.16 850,760,105.38 819,666,781.51 838,613,746.34 857,990,929.19 850,103,662.74  
  (3) Loans (gross) to Deposits 84.62 82.81 85.60 90.34 86.86 90.98 87.77 84.59 93.51 88.04 85.67 89.42  
  Loans (gross) 727,316,406.07 692,845,682.84 709,262,333.35 748,040,149.72 707,626,951.24 754,236,361.94 760,364,275.78 719,680,504.84 766,498,111.57 738,318,476.88 735,050,738.43 760,167,066.17  
  Deposits 859,554,990.86 836,678,210.05 828,604,867.30 827,983,531.05 814,683,216.58 829,000,133.92 866,275,483.16 850,760,105.38 819,666,781.51 838,613,746.34 857,990,929.19 850,103,662.74  
  SELECTED PROFITABILITY RATIOS  
  (1)  Return on Assets (ROA) 0.92 1.06 1.23 1.38  
  Annualized Net Profit or Loss  10,700,231.84 12,510,656.40 14,939,352.79 17,157,385.50  
  Average Assets 1,162,236,072.77 1,176,733,359.66 1,211,968,470.19 1,245,291,833.62  
  Total Assets (last year) 1,117,196,242.51 1,136,315,302.58 1,202,259,435.31 1,230,401,311.49  
  Total Assets (current year) 1,207,275,903.02 1,217,151,416.73 1,221,677,505.07 1,260,182,355.75  
  (2) Return on Equity (ROE) 6.22 7.10 8.44 9.06  
  Annualized Net Profit or Loss  10,700,231.84 12,510,656.40 14,939,352.79 17,157,385.50  
  Average Capital 172,109,684.57 176,252,563.91 176,923,283.83 189,418,740.58  
  Total Capital (last year) 158,671,012.78 160,064,225.46 162,921,171.38 169,001,500.61  
  Total Capital (current year) 185,548,356.35 192,440,902.35 190,925,396.28 209,835,980.55  
  (3) Earning Asset Yield 5.47 5.73 5.79 5.65  
  Annualized Interest Income 60,733,966.41 64,502,082.96 67,277,727.39 67,269,404.12  
  Average Earning Assets 1,109,472,924.44 1,126,275,248.36 1,162,729,278.88 1,191,080,629.00  
  Earning Assets (last year) 1,070,038,304.47 1,090,251,019.59 1,155,986,992.27 1,181,800,909.55  
  Earning Assets (current year) 1,148,907,544.41 1,162,299,477.13 1,169,471,565.48 1,200,360,348.46  
  (4) Funding Cost 1.81 2.02 2.09 1.94  
  Annualized Interest Expense 15,779,533.81 17,631,066.71 18,536,816.97 17,632,140.95  
  Average Interest Bearing Liabilities 870,232,100.13 873,631,623.71 887,592,676.21 908,339,315.88  
  Interest Bearing Liabilities (last year) 847,348,176.78 850,739,688.02 900,572,196.48 914,985,617.44  
  Interest Bearing Liabilities (current year) 893,116,023.47 896,523,559.40 874,613,155.93 901,693,014.33  
  (5) Interest Spread 3.66 3.71 3.70 3.71  
  (3) Earning Asset Yield 5.47 5.73 5.79 5.65  
  (4) Funding Cost 1.81 2.02 2.09 1.94  
  (6) Net Interest Margin 3.95 4.13 4.17 4.17  
  Annualized Net Interest Income 43,821,939.44 46,500,689.66 48,492,883.77 49,609,028.84  
  Average Earning Assets 1,109,472,924.44 1,126,275,248.36 1,162,729,278.88 1,191,080,629.00  
  (7) Cost to Income Ratio 65.34 63.03 61.41 60.16  
  Annualized Non-Interest Expenses 39,796,095.71 40,574,728.03 41,782,920.50 42,262,563.37  
  Annualized Total Operating Income 60,902,555.25 64,368,926.00 68,036,352.39 70,253,640.69  
  (8) Net Interest Income to Total Operating Income 71.95 72.24 71.27 70.61  
  Annualized Net Interest Income  43,821,939.44 46,500,689.66 48,492,883.77 49,609,028.84  
  Annualized Total Operating Income 60,902,555.25 64,368,926.00 68,036,352.39 70,253,640.69  
  (9) Non-interest Income to Total Operating Income 28.05 27.76 28.73 29.39  
  Annualized Non-Interest Income 17,080,615.81 17,868,236.34 19,543,468.62 20,644,611.85  
  Annualized Total Operating Income 60,902,555.25 64,368,926.00 68,036,352.39 70,253,640.69  
  CAPITAL ADEQUACY  
  Capital Adequacy Ratio - Solo 21.24 22.14 21.88  
  Capital Adequacy Ratio - Conso 21.24 22.09 21.85  
  Total Capital Accounts to Total Assets 14.22 14.77 15.37 15.56 15.81 15.81 15.59 15.17 15.63 16.19 16.29 16.65  
                             
1/ Starting September 2017, Net NPLs refer to gross NPLs less specific allowance for credit losses on NPLs per BSP Circular No. 941
Source : Department of Supervisory Analytics, Financial Supervision Sector, Bangko Sentral ng Pilipinas
Updated as of 7 February 2020