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| 39 CONSOLIDATED
STATEMENT OF CONDITION AND KEY RATIOS |
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| Thrift Banking System |
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| as of end of periods indicated |
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| in billion pesos |
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Selected Accounts |
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Mar-08 |
Jun-08 |
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| |
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| |
Asset Accounts |
|
484.611 |
483.111 |
| |
|
|
|
|
|
|
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Cash and Due from Banks |
|
63.910 |
58.371 |
| |
Financial Assets, Exclusive of Equity Investments (Net of Amortization) |
|
64.620 |
71.683 |
| |
|
Financial Assets Held for Trading (HFT) |
|
0.814 |
1.347 |
| |
|
Financial Assets Designated at Fair Value
through Profit or Loss - Debt Securities |
|
0.137 |
0.251 |
| |
|
AFS Financial Assets, Net of Amortization (Net
of Equity Securities) |
|
38.082 |
41.691 |
| |
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AFS
Debt Securities |
|
37.482 |
40.460 |
| |
|
Unamortized Discount/Premium |
|
0.600 |
1.231 |
| |
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AFS-Debt Securities Net of Amortization |
|
38.082 |
41.691 |
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Held-to-Maturity (HTM) Financial Assets |
|
18.312 |
21.310 |
| |
|
Unamortized Discount/Premium |
|
0.329 |
0.332 |
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|
HTM Financial Assets - Net of Amortization |
|
18.641 |
21.642 |
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Unquoted Debt Securities Classified as Loans |
|
7.446 |
7.215 |
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|
Unamortized Discount/Premium |
|
(0.501) |
(0.463) |
| |
|
Unquoted Debt Securities Classified as Loans
-Net of Amortization |
|
6.945 |
6.752 |
| |
Accumulated Market Gain (Losses) -Financial
Assets, Exclusive of Equity Investments |
|
0.062 |
(1.562) |
| |
|
Accumulated Market Gains (Losses)-AFS,
Exclusive of Equity Securities |
|
0.062 |
(1.562) |
| |
Allowance for Credit Losses-Financial Assets,
Exclusive of Equity Securities |
|
0.093 |
0.127 |
| |
|
Allowance for Credit Losses-AFS , Exclusive of
Equity Securities |
|
0.000 |
0.000 |
| |
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Allowance for Credit Losses-HTM |
|
0.022 |
0.023 |
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|
Allowance for
Credit Losses-Unquoted Debt Securities Classified as Loans |
|
0.070 |
0.104 |
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Financial Assets -Net of Allowance for Credit
Losses |
|
64.589 |
69.994 |
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Equity Investments, gross |
|
1.790 |
1.354 |
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|
Investments in Non-Marketable Equity
Securities (INMES) |
|
0.248 |
0.205 |
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Equity Investment in Subsidiaries, Associates
and Joint Ventures |
|
0.706 |
0.720 |
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AFS Equity Securities |
|
0.836 |
0.429 |
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HFT-Equity Securities |
|
0.000 |
0.000 |
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Financial Assets Designated at Fair Value
through Profit or Loss -Equity Securities |
|
0.001 |
0.000 |
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Accumulated Market Gains(Losses)-AFS -Equity
Securities |
|
0.005 |
0.006 |
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Allowance for Credit Losses -Equity
Investments |
|
0.273 |
0.272 |
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Allowance for Credit Losses-INMES |
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0.105 |
0.149 |
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Allowance for Credit Losses-Equity Investment
in Subsidiaries, Associates and Joint Ventures |
|
0.045 |
0.045 |
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Allowance for
Credit Losses - AFS Equity Securities |
|
0.123 |
0.078 |
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Equity Investments, Net of Allowance for
Credit Losses |
|
1.522 |
1.088 |
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Total Loan Portfolio, gross (net of
amortization) |
|
298.055 |
297.158 |
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Loans and Receivables, gross (net of
amortization) |
|
282.930 |
282.344 |
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Loans to Bangko Sentral ng Pilipinas |
|
4.550 |
5.694 |
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Interbank Loans Receivable |
|
37.965 |
21.322 |
| |
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Loans and Receivables -Others |
|
246.421 |
261.670 |
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Unamortized Discount and Other Deferred Credits |
|
6.006 |
6.342 |
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Loans
and Receivables - Others - Net of Amortization |
|
240.416 |
255.328 |
| |
Loans and
Receivables Arising from Repurchase Agreements, Certificates of
Assignment/Participation with Recourse, and Securities Lending and Borrowing
Transactions |
|
15.124 |
14.814 |
| |
Allowance for Credit Losses-Loans |
|
11.726 |
11.985 |
| |
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Allowance for Credit Losses-Interbank Loans
Receivable |
|
0.000 |
0.000 |
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Allowance for Credit Losses-Loans and
Receivables -Other |
|
9.011 |
9.243 |
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Allowance for Credit Losses-LRARA |
|
0.000 |
0.000 |
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General Loan Loss Provision (GLLP) |
|
2.715 |
2.742 |
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Total Loan Portfolio, Net of Allowance for
Credit Losses |
|
286.329 |
285.174 |
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Total ROPA |
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31.566 |
31.420 |
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Sales Contract Receivable |
|
5.281 |
5.296 |
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Non-Current Assets Held for Sale |
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2.373 |
2.152 |
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Real and Other Properties Acquired |
|
23.912 |
23.972 |
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Accumulated Depreciation |
|
0.817 |
0.866 |
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Unamortized Discount and Other Deferred
Credits |
|
0.076 |
0.098 |
| |
Allowance for Losses - ROPA |
|
2.023 |
2.063 |
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Allowance for Credit Losses- Sales Contract
Receivable |
|
0.028 |
0.024 |
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Allowance for Losses -Real and Other
Properties Acquired |
|
1.995 |
2.039 |
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ROPA, Net of Allowance for Losses |
|
28.650 |
28.393 |
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Total Other Assets, Net |
|
39.611 |
40.091 |
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Derivatives with Positive Fair Value Held for
Hedging |
|
0.000 |
0.000 |
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Revaluation of Hedged Assets in Portfolio
Hedge of Interest Rate Risk |
|
0.014 |
0.017 |
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Goodwill |
|
0.188 |
0.188 |
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Less: Allowance for Losses |
|
0.000 |
0.000 |
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Goodwill - Net |
|
0.188 |
0.188 |
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Accrued Interest Income from Financial Assets |
|
4.368 |
4.885 |
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Allowance for Credit Losses |
|
1.519 |
1.606 |
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Accrued Interest Income from Financial Assets,
net |
|
2.850 |
3.279 |
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Bank Premises, Furniture, Fixture and
Equipment |
|
17.653 |
17.858 |
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Accumulated Depreciation |
|
7.033 |
7.109 |
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Allowance for Losses |
|
0.032 |
0.044 |
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Bank Premises, Furniture, Fixture and
Equipment - Net |
|
10.588 |
10.705 |
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Other Intangible Assets |
|
0.361 |
0.464 |
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Accumulated Amortization |
|
0.022 |
0.030 |
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Allowance for Losses |
|
0.000 |
0.000 |
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Other Intangible Assets, net |
|
0.339 |
0.434 |
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Deferred Tax Asset |
|
4.945 |
5.124 |
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Due from FCDU/RBU |
|
0.000 |
0.000 |
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Other Assets |
|
22.539 |
22.441 |
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Allowance for
Losses |
|
1.852 |
2.098 |
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Other Assets - Net |
|
20.687 |
20.343 |
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LIABILITIES AND CAPITAL |
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484.611 |
483.111 |
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Liability Accounts |
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425.037 |
426.010 |
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Financial Liabilities Held for Trading |
|
0.000 |
0.000 |
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Financial Liabilities Designated at Fair Value
through Profit or Loss |
|
0.000 |
0.000 |
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Deposit Liabilities |
|
364.354 |
389.048 |
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|
Peso |
|
321.418 |
337.967 |
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Demand & NOW |
|
34.619 |
37.178 |
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Savings Deposits |
|
116.327 |
115.970 |
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|
Time
Certificate of Deposits |
|
168.872 |
183.218 |
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LTNCD |
|
1.601 |
1.601 |
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Foreign Currency |
|
42.936 |
51.081 |
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Bills Payable |
|
37.374 |
12.844 |
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Deposit Substitutes |
|
1.260 |
1.794 |
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Others |
|
36.114 |
11.050 |
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Special
Financing |
|
0.000 |
0.000 |
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Time Certificate of Deposits - SF |
|
0.000 |
0.000 |
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Special Time Deposits |
|
0.000 |
0.000 |
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Unsecured
Subordinated Debt |
|
2.856 |
2.883 |
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Unamortized Debt Discount/Premium |
|
0.000 |
0.000 |
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Unsecured
Subordinated Debt - Net |
|
2.856 |
2.883 |
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Redeemable
Preferred Shares |
|
0.038 |
0.033 |
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Total Other
Liabilities |
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20.415 |
21.202 |
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Due to Other Banks |
|
0.042 |
0.011 |
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Bonds Payable |
|
0.000 |
0.000 |
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Unamortized Bond Discount/Premium |
|
0.000 |
0.000 |
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Bonds Payable - Net |
|
0.000 |
0.000 |
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Financial Liabilities Associated with
Transferred Assets |
|
0.000 |
0.000 |
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Derivatives with Negative Fair Value Held for
Hedging |
|
0.000 |
0.022 |
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Revaluation of Hedged Liabilities in Portfolio
Hedge of Interest Rate Risk |
|
0.000 |
0.000 |
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Accrued Interest Expense on Financial
Liabilities |
|
3.509 |
3.895 |
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Finance Lease Payment Payable |
|
0.002 |
0.002 |
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Due to Treasurer of the Philippines |
|
0.038 |
0.039 |
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Treasurer/Cashier/Manager's Checks |
|
2.243 |
2.765 |
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Payment Orders Payable |
|
0.206 |
0.073 |
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Margin Deposits on LCs and Customers'
Liability on Bills/Drafts under LCs and/or TRs |
|
0.000 |
0.000 |
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Cash Letters of Credit |
|
0.000 |
0.000 |
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Outstanding Acceptances Executed by or for
Account of this Bank |
|
0.000 |
0.000 |
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Due to Bangko Sentral ng Pilipinas |
|
0.057 |
0.069 |
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Due to Philippine Deposit Insurance
Corporation |
|
0.714 |
0.736 |
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Due to Philippine Crop Insurance Corporation |
|
0.000 |
0.000 |
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Income Tax Payable |
|
0.329 |
0.369 |
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Other Taxes and Licenses Payable |
|
0.264 |
0.249 |
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Accrued Expenses |
|
2.843 |
2.852 |
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Unearned Income |
|
0.824 |
0.655 |
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Deferred Tax Liabilities |
|
0.159 |
0.181 |
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Provisions |
|
0.004 |
0.011 |
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Other Liabilities |
|
9.180 |
9.272 |
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Due to Head Office/Branches/Agencies
(Philippine branch of a foreign bank) |
|
0.000 |
0.000 |
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Due to FCDU/RBU |
|
0.000 |
0.000 |
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Capital Accounts |
|
59.573 |
57.101 |
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Paid in Capital
Stock |
|
43.567 |
43.949 |
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Additional
Paid-in Capital |
|
7.475 |
7.545 |
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Other Equity
Instruments |
|
0.000 |
0.000 |
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Retained
Earnings |
|
6.738 |
5.491 |
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Stock Dividend
Distributable |
|
0.000 |
0.004 |
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Undivided
Profits |
|
0.696 |
0.686 |
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Other
Comprehensive Income |
|
0.108 |
(1.535) |
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Appraisal
Increment Reserve |
|
0.998 |
1.045 |
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Treasury Stock |
|
(0.010) |
(0.085) |
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Minority
Interest in Subsidiaries (for consolidated report only) |
|
0.000 |
0.000 |
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Assigned Capital |
|
0.000 |
0.000 |
| |
Net Due to
HO/Br/Ag |
|
0.000 |
0.000 |
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Key
Ratios |
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Cash and Due from Banks to Deposits |
|
17.54 |
15.00 |
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Liquid Assets to Deposits 1/ |
|
35.27 |
32.99 |
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Loans, gross to Deposits |
|
81.80 |
76.38 |
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Capital Adequacy Ratio (CAR) 2/ |
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Solo Basis |
|
15.16 |
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Consolidated Basis |
|
15.16 |
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Total Capital Accounts to Total Assets 3/ |
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12.30 |
11.83 |
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1/ Ratio of Liquid Assets (Cash and Due from Banks +
Financial Assets, Net of Allowance for Credit Losses) to Total Deposits |
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2/ Based on the new
framework provided for under Circular No. 280 dated 29 March 2001 which was
formally adopted starting 1 July 2001.
Universal and Commercial banks are required to report their CARs based on
combined credit and market risk under Circular No. 360 dated 3 December 2002,
which took effect on 1 July 2003 |
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3/ Ratio
of Total Capital Accounts ( for ratio
analysis consists of Total Capital
Accounts + Redeemable Preferred Shares) to Total Assets |
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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 7 October 2008 |
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