| 39
CONSOLIDATED STATEMENT OF CONDITION AND KEY RATIOS |
|
|
| Thrift Banking System |
|
|
|
|
| as of end of periods indicated |
|
|
|
|
| in billion pesos |
|
|
|
|
| Selected Accounts |
|
Jan-11 |
Feb-11 |
Mar-11 |
| |
| |
Asset
Accounts |
|
589.075
|
596.214
|
569.320
|
| |
|
|
|
|
|
|
|
| |
Cash and Due from Banks |
|
66.198 |
69.511 |
60.262 |
| |
Financial
Assets, Excl of Equity Investments in
Subs., Assoc. and Joint Vent (Net of Amortization) |
|
114.845 |
110.905 |
110.644 |
| |
|
Financial Assets Held for Trading (HFT) |
|
7.217 |
8.081 |
8.024 |
| |
|
Financial Assets Designated at Fair Value
through Profit or Loss - Debt Sect |
|
0.245 |
0.189 |
0.139 |
| |
|
AFS Financial Assets, Net of Amortization |
|
63.797 |
57.198 |
59.956 |
| |
|
|
AFS Debt
Securities |
|
62.084 |
54.900 |
57.805 |
| |
|
|
Unamortized
Discount/Premium |
|
1.492 |
2.078 |
1.932 |
| |
|
|
AFS-Debt
Securities Net of Amortization |
|
63.576 |
56.978 |
59.737 |
| |
|
|
AFS-Equity
Securities |
|
0.221 |
0.220 |
0.220 |
| |
|
Held-to-Maturity (HTM) Financial Assets |
|
31.702 |
33.869 |
30.929 |
| |
|
|
Unamortized Discount/Premium |
|
0.840 |
0.784 |
0.810 |
| |
|
HTM Financial Assets - Net of Amortization |
|
32.542 |
34.654 |
31.739 |
| |
|
Unquoted Debt Securities Classified as Loans |
|
11.030 |
10.753 |
10.746 |
| |
|
|
Unamortized Discount/Premium |
|
(0.163) |
(0.154) |
(0.147) |
| |
|
Unquoted Debt Securities Classified as Loans
-Net of Amortization |
|
10.867 |
10.598 |
10.599 |
| |
|
Investment in Non-Markeatable Equity
Securities (INMES) |
|
0.178 |
0.186 |
0.186 |
| |
Accumulated Market Gain (Losses) -Financial
Assets |
|
(0.506) |
(0.947) |
(0.336) |
| |
Allowance for Credit Losses-Financial Assets |
|
0.592 |
0.592 |
0.592 |
| |
|
Allowance for Credit Losses-AFS |
|
0.123 |
0.123 |
0.123 |
| |
|
Allowance for Credit Losses-HTM |
|
0.007 |
0.007 |
0.007 |
| |
|
Allowance for Credit Losses-Unquoted Debt
Securities Classified as Loans |
|
0.382 |
0.382 |
0.382 |
| |
|
Allowance for Credit Losses- INMES |
|
0.080 |
0.080 |
0.080 |
| |
Financial Assets -Net of Allowance for Credit
Losses |
|
113.748 |
109.366 |
109.716 |
| |
Equity Investments In Subsidiaries, Assoc.
& Joint Vent. |
|
4.098 |
4.091 |
4.046 |
| |
Allowance for Credit
Losses-Equity Investment in Subsidiaries, Assoc. and Joint Vent |
|
|
|
0.252 |
0.252 |
0.216 |
| |
Equity Investments In Subsidiaries, Assoc.
& Joint Vent.(Net of Allow. For Credit Losses) |
|
3.846 |
3.840 |
3.830 |
| |
Total Loan Portfolio, gross (net of
amortization) |
|
345.554 |
352.723 |
354.660 |
| |
|
Loans and Receivables, gross (net of
amortization) |
|
329.471 |
331.436 |
331.618 |
| |
|
Loans to Bangko Sentral ng Pilipinas |
|
0.000 |
0.000 |
0.000 |
| |
|
Interbank Loans Receivable |
|
5.071 |
5.256 |
5.950 |
| |
|
Loans and Receivables -Others |
|
334.931 |
336.882 |
336.523 |
| |
|
|
Unamortized Discount and Other Deferred Credits |
|
10.531 |
10.702 |
10.855 |
| |
|
Loans and Receivables - Others - Net of Amortization |
|
324.400 |
326.180 |
325.669 |
| |
|
Loans and
Receivables Arising from Repurchase Agreements, Certificates of
Assignment/Participation with Recourse, and Securities Lending and Borrowing
Transactions |
|
16.083 |
21.287 |
23.042 |
| |
Allowance for Credit Losses-Loans |
|
16.790 |
16.983 |
16.645 |
| |
|
Allowance for Credit Losses-Interbank Loans
Receivable |
|
0.000 |
0.000 |
0.000 |
| |
|
Allowance for Credit Losses-Loans and
Receivables -Other |
|
13.790 |
13.976 |
13.603 |
| |
|
Allowance for Credit Losses-LRARA |
|
0.000 |
0.000 |
0.000 |
| |
|
General Loan Loss Provision (GLLP) |
|
3.000 |
3.007 |
3.042 |
| |
Total Loan Portfolio, Net of Allowance for
Credit Losses |
|
328.764 |
335.739 |
338.016 |
| |
Total ROPA |
|
31.673 |
32.105 |
24.769 |
| |
|
Sales Contract Receivable |
|
5.386 |
5.463 |
5.374 |
| |
|
Non-Current Assets Held for Sale |
|
2.197 |
2.415 |
1.989 |
| |
|
Real and Other Properties Acquired |
|
24.090 |
24.226 |
17.405 |
| |
Accumulated Depreciation |
|
1.363 |
1.373 |
1.191 |
| |
Unamortized Discount and Other Deferred
Credits |
|
0.120 |
0.120 |
0.111 |
| |
Allowance for Losses - ROPA |
|
1.903 |
1.902 |
1.489 |
| |
|
Allowance for Credit Losses- Sales Contract
Receivable |
|
0.073 |
0.082 |
0.081 |
| |
|
Allowance for Losses -Real and Other
Properties Acquired |
|
1.487 |
1.477 |
1.408 |
| |
|
Allowance for Credit Losses -Non Current
Assets held for Sale |
|
0.343 |
0.343 |
0.385 |
| |
ROPA, Net of Allowance for Losses |
|
28.286 |
28.710 |
21.978 |
| |
Total Other Assets, Net |
|
48.234 |
49.048 |
35.518 |
| |
|
Derivatives with Positive Fair Value Held for
Hedging |
|
0.090 |
0.069 |
0.074 |
| |
|
Revaluation of Hedged Assets in Portfolio
Hedge of Interest Rate Risk |
|
0.000 |
0.000 |
0.000 |
| |
|
Goodwill |
|
0.826 |
0.829 |
0.828 |
| |
|
|
Allowance for
Losses |
|
0.000 |
0.000 |
0.000 |
| |
|
Goodwill - Net |
|
0.826 |
0.829 |
0.828 |
| |
|
Accrued Interest Income from Financial Assets |
|
5.626 |
5.545 |
5.167 |
| |
|
|
Allowance for Credit Losses |
|
1.623 |
1.605 |
1.314 |
| |
|
Accrued Interest Income from Financial Assets,
net |
|
4.003 |
3.940 |
3.853 |
| |
|
Bank Premises, Furniture, Fixture and
Equipment |
|
19.375 |
19.555 |
18.722 |
| |
|
|
Accumulated Depreciation |
|
7.924 |
8.053 |
7.419 |
| |
|
|
Allowance for Losses |
|
0.042 |
0.042 |
0.042 |
| |
|
Bank Premises, Furniture, Fixture and
Equipment - Net |
|
11.409 |
11.461 |
11.261 |
| |
|
Other Intangible Assets |
|
0.982 |
0.993 |
1.013 |
| |
|
|
Accumulated Amortization |
|
0.196 |
0.202 |
0.207 |
| |
|
|
Allowance for Losses |
|
0.000 |
0.000 |
0.000 |
| |
|
Other Intangible Assets, net |
|
0.785 |
0.791 |
0.806 |
| |
|
Deferred Tax Asset |
|
4.271 |
4.305 |
4.339 |
| |
|
Due from FCDU/RBU |
|
0.000 |
0.000 |
0.000 |
| |
|
Other Assets |
|
28.194 |
28.935 |
15.592 |
| |
|
|
Allowance for Losses |
|
1.346 |
1.283 |
1.236 |
| |
|
Other Assets - Net |
|
26.849 |
27.652 |
14.356 |
| |
|
|
|
|
|
|
|
| |
LIABILITIES AND CAPITAL |
|
589.075 |
596.214 |
569.320 |
| |
|
|
|
|
|
|
|
| |
Liability Accounts |
|
523.176 |
530.257 |
502.908 |
| |
|
|
|
|
|
|
|
| |
Financial Liabilities Held for Trading |
|
0.051 |
0.023 |
0.024 |
| |
Financial Liabilities Designated at Fair Value
through Profit or Loss |
|
0.000 |
0.000 |
0.000 |
| |
Deposit Liabilities |
|
476.729 |
484.012 |
465.517 |
| |
|
Peso |
|
425.718 |
432.797 |
415.262 |
| |
|
Demand & NOW |
|
46.143 |
46.437 |
45.020 |
| |
|
Savings Deposits |
|
149.248 |
148.404 |
132.933 |
| |
|
Time Certificate of Deposits |
|
230.327 |
237.956 |
237.308 |
| |
|
LTNCD |
|
0.000 |
0.000 |
0.000 |
| |
|
Foreign Currency |
|
51.011 |
51.215 |
50.255 |
| |
Bills Payable |
|
18.488 |
16.468 |
13.324 |
| |
|
Deposit Substitutes |
|
0.000 |
0.000 |
0.000 |
| |
|
Others |
|
18.488 |
16.468 |
13.324 |
| |
Special Financing |
|
0.000 |
0.000 |
0.000 |
| |
|
Time Certificate of Deposits - SF |
|
0.000 |
0.000 |
0.000 |
| |
|
Special Time Deposits |
|
0.000 |
0.000 |
0.000 |
| |
Unsecured Subordinated Debt |
|
1.810 |
1.810 |
1.810 |
| |
|
|
Unamortized Debt Discount/Premium |
|
0.000 |
0.000 |
0.000 |
| |
Unsecured Subordinated Debt - Net |
|
1.810 |
1.810 |
1.810 |
| |
Redeemable Preferred Shares |
|
0.121 |
0.121 |
0.121 |
| |
Total Other Liabilities |
|
25.978 |
27.824 |
22.113 |
| |
|
Due to Other Banks |
|
0.001 |
0.001 |
0.000 |
| |
|
Bonds Payable |
|
0.000 |
0.000 |
0.000 |
| |
|
|
Unamortized Bond Discount/Premium |
|
0.000 |
0.000 |
0.000 |
| |
|
Bonds Payable - Net |
|
0.000 |
0.000 |
0.000 |
| |
|
Financial Liabilities Associated with
Transferred Assets |
|
0.000 |
0.000 |
0.000 |
| |
|
Derivatives with Negative Fair Value Held for
Hedging |
|
0.000 |
0.000 |
0.000 |
| |
|
Revaluation of Hedged Liabilities in Portfolio
Hedge of Interest Rate Risk |
|
0.000 |
0.000 |
0.000 |
| |
|
Accrued Interest Expense on Financial
Liabilities |
|
4.693 |
4.649 |
2.035 |
| |
|
Finance Lease Payment Payable |
|
0.000 |
0.000 |
0.000 |
| |
|
Due to Treasurer of the Philippines |
|
0.057 |
0.058 |
0.054 |
| |
|
Treasurer/Cashier/Manager's Checks |
|
2.395 |
2.922 |
2.740 |
| |
|
Payment Orders Payable |
|
0.050 |
1.025 |
0.043 |
| |
|
Margin Deposits on LCs and Customers'
Liability on Bills/Drafts under LCs and/or TRs |
|
0.000 |
0.000 |
0.000 |
| |
|
Cash Letters of Credit |
|
0.000 |
0.000 |
0.000 |
| |
|
Outstanding Acceptances Executed by or for
Account of this Bank |
|
0.056 |
0.029 |
0.031 |
| |
|
Due to Bangko Sentral ng Pilipinas |
|
0.014 |
0.027 |
0.038 |
| |
|
Due to Philippine Deposit Insurance
Corporation |
|
0.714 |
0.730 |
0.049 |
| |
|
Due to Philippine Crop Insurance Corporation |
|
0.000 |
0.000 |
0.000 |
| |
|
Income Tax Payable |
|
0.473 |
0.558 |
0.607 |
| |
|
Other Taxes and Licenses Payable |
|
0.292 |
0.325 |
0.322 |
| |
|
Accrued Expenses |
|
2.725 |
2.830 |
2.623 |
| |
|
Unearned Income |
|
1.292 |
1.285 |
1.243 |
| |
|
Deferred Tax Liabilities |
|
0.051 |
0.051 |
0.051 |
| |
|
Provisions |
|
0.045 |
0.047 |
0.048 |
| |
|
Other Liabilities |
|
13.120 |
13.287 |
12.228 |
| |
|
Due to Head Office/Branches/Agencies
(Philippine branch of a foreign bank) |
|
0.000 |
0.000 |
0.000 |
| |
|
Due to FCDU/RBU |
|
0.000 |
0.000 |
0.000 |
| |
|
|
|
|
|
|
|
| |
Capital Accounts |
|
65.899 |
65.957 |
66.412 |
| |
|
|
|
|
|
|
|
| |
Paid in Capital Stock |
|
43.797 |
43.979 |
39.277 |
| |
Additional Paid-in Capital |
|
5.685 |
5.685 |
5.685 |
| |
Other Equity Instruments |
|
0.000 |
0.000 |
0.000 |
| |
Retained Earnings |
|
15.472 |
15.606 |
19.002 |
| |
Stock Dividend Distributable |
|
0.075 |
0.075 |
0.146 |
| |
Undivided Profits |
|
0.606 |
0.783 |
1.865 |
| |
Other Comprehensive Income |
|
(0.554) |
(0.988) |
(0.381) |
| |
Appraisal Increment Reserve |
|
0.830 |
0.830 |
0.830 |
| |
Treasury Stock |
|
(0.013) |
(0.013) |
(0.013) |
| |
Assigned Capital |
|
0.000 |
0.000 |
0.000 |
| |
Net Due to HO/Br/Ag |
|
0.000 |
0.000 |
0.000 |
| |
|
|
|
|
|
|
|
| |
Key
Ratios |
|
|
|
|
| |
Cash and Due from Banks to Deposits |
|
13.89 |
14.36 |
12.95 |
| |
Liquid Assets to Deposits 1/ |
|
37.75 |
36.96 |
36.51 |
| |
Loans, gross to Deposits |
|
72.48 |
72.87 |
76.19 |
| |
Capital Adequacy Ratio (CAR) 2/ |
|
|
|
|
| |
|
|
Solo Basis |
|
|
|
16.11 |
| |
|
|
Consolidated Basis |
|
|
|
16.11 |
| |
Total Capital Accounts to Total Assets 3/ |
|
11.21 |
11.08 |
11.69 |
| |
|
|
|
|
|
|
|
| |
1/ Ratio of
Liquid Assets (Cash and Due from Banks + Financial Assets, Net of Allowance
for Credit Losses) to Total Deposits |
| |
2/ 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. |
| |
3/ 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 |
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Source :
Supervisory Data Center, Supervision and Examination Sector |
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Updated as of 21 November 2011 |
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