| 39 CONSOLIDATED STATEMENT OF CONDITION AND KEY RATIOS | |||||||||||||
| Thrift Banking System | |||||||||||||
| as of end of periods indicated | |||||||||||||
| in billion pesos | |||||||||||||
| Selected Accounts | Jan-09 | Feb-09 | Mar-09 | Apr-09 | May-09 | Jun-09 | Jul-09 | Aug-09 | Sep-09 | ||||
| Asset Accounts 2/ | 478.040 | 480.730 | 489.751 | 497.285 | 513.353 | 527.066 | 524.378 | 529.515 | 512.285 | ||||
| Cash and Due from Banks | 42.358 | 41.671 | 45.018 | 45.499 | 49.356 | 54.881 | 53.359 | 58.157 | 55.582 | ||||
| Financial Assets, Excl of Equity Investments in Subs., Assoc. and Joint Vent (Net of Amortization) | 82.325 | 83.990 | 89.866 | 89.440 | 94.790 | 96.636 | 98.983 | 99.921 | 96.737 | ||||
| Financial Assets Held for Trading (HFT) | 2.780 | 2.479 | 4.384 | 3.473 | 8.148 | 6.504 | 6.590 | 6.799 | 6.894 | ||||
| Financial Assets Designated at Fair Value through Profit or Loss - Debt Sect | 0.358 | 0.683 | 0.150 | 0.097 | 0.151 | 0.154 | 0.191 | 0.272 | 0.530 | ||||
| AFS Financial Assets, Net of Amortization | 43.033 | 44.411 | 46.008 | 47.500 | 48.193 | 50.861 | 53.183 | 53.361 | 53.352 | ||||
| AFS Debt Securities | 40.950 | 41.983 | 43.339 | 44.988 | 45.748 | 48.304 | 50.591 | 50.674 | 51.028 | ||||
| Unamortized Discount/Premium | 1.613 | 1.786 | 1.956 | 1.899 | 1.750 | 1.813 | 1.819 | 1.913 | 1.801 | ||||
| AFS-Debt Securities Net of Amortization | 42.563 | 43.769 | 45.295 | 46.887 | 47.498 | 50.117 | 52.410 | 52.587 | 52.829 | ||||
| AFS-Equity Securities | 0.469 | 0.642 | 0.713 | 0.613 | 0.695 | 0.744 | 0.773 | 0.774 | 0.523 | ||||
| Held-to-Maturity (HTM) Financial Assets | 28.338 | 28.428 | 27.583 | 28.501 | 28.495 | 29.563 | 29.374 | 29.815 | 26.748 | ||||
| Unamortized Discount/Premium | 0.557 | 0.585 | 0.601 | 0.629 | 0.620 | 0.691 | 0.685 | 0.684 | 0.690 | ||||
| HTM Financial Assets - Net of Amortization | 28.895 | 29.013 | 28.183 | 29.130 | 29.114 | 30.254 | 30.059 | 30.499 | 27.438 | ||||
| Unquoted Debt Securities Classified as Loans | 7.443 | 7.586 | 8.395 | 9.405 | 9.336 | 9.034 | 9.048 | 8.952 | 8.491 | ||||
| Unamortized Discount/Premium | (0.388) | (0.387) | (0.371) | (0.361) | (0.348) | (0.264) | (0.256) | (0.248) | (0.251) | ||||
| Unquoted Debt Securities Classified as Loans -Net of Amortization | 7.055 | 7.199 | 8.024 | 9.043 | 8.988 | 8.770 | 8.792 | 8.704 | 8.240 | ||||
| Investment in Non-Markeatable Equity Securities (INMES) | 0.205 | 0.205 | 3.117 | 0.196 | 0.196 | 0.092 | 0.169 | 0.284 | 0.284 | ||||
| Accumulated Market Gain (Losses) -Financial Assets | (0.636) | (0.827) | (0.369) | (0.324) | 0.634 | 0.088 | 0.370 | 0.773 | 1.297 | ||||
| Allowance for Credit Losses-Financial Assets | 0.421 | 0.454 | 0.831 | 0.457 | 0.457 | 0.391 | 0.398 | 0.496 | 0.495 | ||||
| Allowance for Credit Losses-AFS | 0.079 | 0.079 | 0.079 | 0.079 | 0.079 | 0.113 | 0.113 | 0.113 | 0.110 | ||||
| Allowance for Credit Losses-HTM | 0.025 | 0.025 | 0.025 | 0.025 | 0.025 | 0.028 | 0.029 | 0.029 | 0.031 | ||||
| Allowance for Credit Losses-Unquoted Debt Securities Classified as Loans | 0.168 | 0.201 | 0.202 | 0.204 | 0.205 | 0.206 | 0.206 | 0.200 | 0.200 | ||||
| Allowance for Credit Losses- INMES | 0.149 | 0.149 | 0.524 | 0.148 | 0.148 | 0.044 | 0.050 | 0.154 | 0.154 | ||||
| Financial Assets -Net of Allowance for Credit Losses | 81.268 | 82.709 | 88.666 | 88.659 | 94.967 | 96.333 | 98.955 | 100.197 | 97.539 | ||||
| Equity Investments In Subsidiaries, Assoc. & Joint Vent. | 0.753 | 0.747 | 0.753 | 3.662 | 3.666 | 3.669 | 3.673 | 3.781 | 3.778 | ||||
| Allowance for Credit Losses-Equity Investment in Subsidiaries, Assoc. and Joint Vent | 0.045 | 0.045 | 0.045 | 0.422 | 0.422 | 0.422 | 0.422 | 0.422 | 0.222 | ||||
| Equity Investments In Subsidiaries, Assoc. & Joint Vent.(Net of Allow. For Credit Losses) | 0.707 | 0.702 | 0.708 | 3.240 | 3.244 | 3.247 | 3.251 | 3.359 | 3.556 | ||||
| Total Loan Portfolio, gross (net of amortization) | 298.898 | 300.483 | 303.069 | 301.857 | 308.232 | 314.169 | 311.034 | 311.204 | 298.949 | ||||
| Loans and Receivables, gross (net of amortization) | 290.440 | 289.645 | 282.444 | 284.456 | 285.923 | 287.989 | 287.819 | 287.150 | 281.995 | ||||
| Loans to Bangko Sentral ng Pilipinas | 4.939 | 3.167 | 0.000 | 0.000 | 0.228 | 0.000 | 0.000 | 0.000 | 0.000 | ||||
| Interbank Loans Receivable | 13.291 | 13.318 | 6.805 | 7.737 | 6.867 | 6.309 | 5.080 | 1.877 | 3.713 | ||||
| Loans and Receivables -Others | 279.123 | 280.119 | 282.659 | 283.809 | 286.016 | 288.938 | 290.088 | 292.597 | 285.680 | ||||
| Unamortized Discount and Other Deferred Credits | 6.913 | 6.959 | 7.020 | 7.090 | 7.188 | 7.258 | 7.349 | 7.324 | 7.398 | ||||
| Loans and Receivables - Others - Net of Amortization | 272.210 | 273.160 | 275.639 | 276.718 | 278.828 | 281.680 | 282.739 | 285.273 | 278.282 | ||||
| Loans and Receivables Arising from Repurchase Agreements, Certificates of Assignment/Participation with Recourse, and Securities Lending and Borrowing Transactions | 8.458 | 10.838 | 20.625 | 17.401 | 22.309 | 26.180 | 23.215 | 24.054 | 16.954 | ||||
| Allowance for Credit Losses-Loans | 13.054 | 13.318 | 13.466 | 13.794 | 14.061 | 14.493 | 14.832 | 15.019 | 14.649 | ||||
| Allowance for Credit Losses-Interbank Loans Receivable | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | ||||
| Allowance for Credit Losses-Loans and Receivables -Other | 10.510 | 10.714 | 10.893 | 11.120 | 11.262 | 11.574 | 12.228 | 12.420 | 11.999 | ||||
| Allowance for Credit Losses-LRARA | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | ||||
| General Loan Loss Provision (GLLP) | 2.545 | 2.604 | 2.573 | 2.675 | 2.800 | 2.919 | 2.604 | 2.599 | 2.650 | ||||
| Total Loan Portfolio, Net of Allowance for Credit Losses | 285.844 | 287.165 | 289.603 | 288.063 | 294.171 | 299.676 | 296.202 | 296.185 | 284.299 | ||||
| Total ROPA | 30.766 | 30.550 | 27.658 | 27.352 | 27.283 | 27.552 | 27.532 | 27.214 | 27.339 | ||||
| Sales Contract Receivable | 5.127 | 4.991 | 4.904 | 4.813 | 4.829 | 4.881 | 4.895 | 4.870 | 4.834 | ||||
| Non-Current Assets Held for Sale | 1.827 | 1.849 | 1.992 | 2.186 | 2.153 | 2.118 | 2.050 | 2.013 | 2.021 | ||||
| Real and Other Properties Acquired | 23.812 | 23.710 | 20.762 | 20.353 | 20.301 | 20.552 | 20.587 | 20.331 | 20.484 | ||||
| Accumulated Depreciation | 1.126 | 1.133 | 0.916 | 1.079 | 1.116 | 0.992 | 1.146 | 0.983 | 1.014 | ||||
| Unamortized Discount and Other Deferred Credits | 0.110 | 0.109 | 0.109 | 0.105 | 0.110 | 0.111 | 0.124 | 0.128 | 0.127 | ||||
| Allowance for Losses - ROPA | 1.357 | 1.407 | 1.285 | 1.113 | 1.104 | 1.198 | 1.040 | 1.007 | 1.023 | ||||
| Allowance for Credit Losses- Sales Contract Receivable | 0.027 | 0.027 | 0.055 | 0.056 | 0.057 | 0.058 | 0.060 | 0.060 | 0.064 | ||||
| Allowance for Losses -Real and Other Properties Acquired | 1.330 | 1.380 | 1.230 | 1.057 | 1.047 | 1.141 | 0.981 | 0.947 | 0.959 | ||||
| Allowance for Credit Losses -Non Current Assets held for Sale | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | ||||
| ROPA, Net of Allowance for Losses | 28.174 | 27.901 | 25.348 | 25.056 | 24.953 | 25.251 | 25.222 | 25.097 | 25.174 | ||||
| Total Other Assets, Net | 39.688 | 40.583 | 40.408 | 46.768 | 46.663 | 47.679 | 47.390 | 46.521 | 46.134 | ||||
| Derivatives with Positive Fair Value Held for Hedging | 0.016 | 0.019 | 0.019 | 0.015 | 0.005 | 0.000 | 0.000 | 0.012 | 0.007 | ||||
| Revaluation of Hedged Assets in Portfolio Hedge of Interest Rate Risk | 0.004 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | ||||
| Goodwill | 0.563 | 0.563 | 0.561 | 0.802 | 0.800 | 0.798 | 0.797 | 0.828 | 0.826 | ||||
| Allowance for Losses | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | ||||
| Goodwill - Net | 0.563 | 0.563 | 0.561 | 0.802 | 0.800 | 0.798 | 0.797 | 0.828 | 0.826 | ||||
| Accrued Interest Income from Financial Assets | 4.952 | 4.854 | 4.696 | 4.897 | 5.486 | 5.729 | 5.249 | 5.259 | 4.959 | ||||
| Allowance for Credit Losses | 1.467 | 1.467 | 1.473 | 1.474 | 1.475 | 1.458 | 1.509 | 1.503 | 1.499 | ||||
| Accrued Interest Income from Financial Assets, net | 3.485 | 3.387 | 3.223 | 3.423 | 4.011 | 4.272 | 3.740 | 3.757 | 3.460 | ||||
| Bank Premises, Furniture, Fixture and Equipment | 17.621 | 17.826 | 18.031 | 17.918 | 18.075 | 17.962 | 18.118 | 18.060 | 17.869 | ||||
| Accumulated Depreciation | 6.925 | 6.985 | 7.204 | 7.216 | 7.337 | 7.213 | 7.258 | 7.219 | 7.134 | ||||
| Allowance for Losses | 0.030 | 0.030 | 0.062 | 0.062 | 0.066 | 0.066 | 0.066 | 0.066 | 0.066 | ||||
| Bank Premises, Furniture, Fixture and Equipment - Net | 10.666 | 10.811 | 10.765 | 10.640 | 10.672 | 10.683 | 10.795 | 10.775 | 10.670 | ||||
| Other Intangible Assets | 0.820 | 0.822 | 0.825 | 0.826 | 0.849 | 0.887 | 0.870 | 0.895 | 0.880 | ||||
| Accumulated Amortization | 0.282 | 0.285 | 0.290 | 0.294 | 0.299 | 0.307 | 0.309 | 0.314 | 0.319 | ||||
| Allowance for Losses | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | ||||
| Other Intangible Assets, net | 0.538 | 0.537 | 0.535 | 0.531 | 0.549 | 0.580 | 0.561 | 0.580 | 0.560 | ||||
| Deferred Tax Asset | 4.767 | 4.572 | 4.585 | 4.554 | 4.555 | 4.550 | 4.571 | 4.532 | 4.266 | ||||
| Due from FCDU/RBU | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | ||||
| Other Assets | 21.025 | 21.984 | 22.025 | 28.107 | 27.394 | 28.127 | 28.271 | 27.395 | 27.655 | ||||
| Allowance for Losses | 1.375 | 1.291 | 1.304 | 1.303 | 1.324 | 1.332 | 1.345 | 1.358 | 1.311 | ||||
| Other Assets - Net | 19.650 | 20.693 | 20.721 | 26.803 | 26.070 | 26.795 | 26.926 | 26.037 | 26.344 | ||||
| LIABILITIES AND CAPITAL | 478.040 | 480.730 | 489.751 | 497.285 | 513.353 | 527.066 | 524.378 | 529.515 | 512.285 | ||||
| Liability Accounts | 424.362 | 427.311 | 436.068 | 437.207 | 451.598 | 465.643 | 462.431 | 466.669 | 450.599 | ||||
| Financial Liabilities Held for Trading | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | ||||
| Financial Liabilities Designated at Fair Value through Profit or Loss | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | ||||
| Deposit Liabilities | 387.560 | 391.931 | 396.578 | 394.951 | 408.648 | 420.895 | 417.540 | 421.628 | 406.132 | ||||
| Peso | 336.225 | 339.162 | 343.306 | 341.031 | 353.684 | 364.512 | 362.173 | 364.467 | 352.221 | ||||
| Demand & NOW | 35.085 | 35.849 | 39.004 | 37.365 | 38.241 | 40.010 | 39.577 | 40.465 | 40.512 | ||||
| Savings Deposits | 115.139 | 114.579 | 114.302 | 112.221 | 115.669 | 118.629 | 121.735 | 121.953 | 118.873 | ||||
| Time Certificate of Deposits | 184.401 | 187.133 | 188.400 | 189.845 | 198.173 | 204.273 | 199.261 | 200.448 | 192.836 | ||||
| LTNCD | 1.601 | 1.601 | 1.601 | 1.600 | 1.600 | 1.600 | 1.600 | 1.600 | 0.000 | ||||
| Foreign Currency | 51.335 | 52.769 | 53.272 | 53.919 | 54.965 | 56.383 | 55.367 | 57.161 | 53.911 | ||||
| Bills Payable | 14.150 | 12.503 | 15.479 | 18.862 | 19.029 | 20.648 | 21.551 | 20.193 | 18.663 | ||||
| Deposit Substitutes | 0.307 | 0.041 | 0.052 | 0.052 | 0.052 | 0.006 | 0.030 | 0.027 | 0.025 | ||||
| Others | 13.843 | 12.462 | 15.427 | 18.810 | 18.977 | 20.642 | 21.521 | 20.166 | 18.639 | ||||
| Special Financing | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | ||||
| Time Certificate of Deposits - SF | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | ||||
| Special Time Deposits | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | ||||
| Unsecured Subordinated Debt | 2.905 | 2.917 | 2.914 | 2.914 | 2.906 | 2.913 | 2.913 | 2.919 | 2.907 | ||||
| Unamortized Debt Discount/Premium | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | ||||
| Unsecured Subordinated Debt - Net | 2.905 | 2.917 | 2.914 | 2.914 | 2.906 | 2.913 | 2.913 | 2.919 | 2.907 | ||||
| Redeemable Preferred Shares | 0.029 | 0.029 | 0.024 | 0.075 | 0.078 | 0.078 | 0.081 | 0.081 | 0.081 | ||||
| Total Other Liabilities | 19.718 | 19.930 | 21.073 | 20.405 | 20.937 | 21.109 | 20.346 | 21.848 | 22.815 | ||||
| Due to Other Banks | 0.001 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | ||||
| Bonds Payable | 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 | ||||
| Bonds Payable - Net | 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 | ||||
| Derivatives with Negative Fair Value Held for Hedging | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.008 | 0.000 | 0.000 | ||||
| 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 | ||||
| Accrued Interest Expense on Financial Liabilities | 3.491 | 3.476 | 3.548 | 3.460 | 3.669 | 3.770 | 3.753 | 3.729 | 3.650 | ||||
| Finance Lease Payment Payable | 0.001 | 0.001 | 0.001 | 0.001 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | ||||
| Due to Treasurer of the Philippines | 0.047 | 0.048 | 0.049 | 0.049 | 0.049 | 0.049 | 0.050 | 0.050 | 0.049 | ||||
| Treasurer/Cashier/Manager's Checks | 2.288 | 1.945 | 2.199 | 2.166 | 2.277 | 2.123 | 2.072 | 2.116 | 1.875 | ||||
| Payment Orders Payable | 0.053 | 0.093 | 0.085 | 0.077 | 0.052 | 0.060 | 0.060 | 0.073 | 0.067 | ||||
| Margin Deposits on LCs and Customers' Liability on Bills/Drafts under LCs and/or TRs | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | ||||
| Cash Letters of Credit | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | ||||
| Outstanding Acceptances Executed by or for Account of this Bank | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | ||||
| Due to Bangko Sentral ng Pilipinas | 0.290 | 0.163 | 0.146 | 0.143 | 0.143 | 0.138 | 0.129 | 0.122 | 0.098 | ||||
| Due to Philippine Deposit Insurance Corporation | 0.712 | 0.725 | 0.739 | 0.753 | 0.768 | 0.784 | 0.714 | 0.728 | 0.739 | ||||
| Due to Philippine Crop Insurance Corporation | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | ||||
| Income Tax Payable | 0.287 | 0.277 | 0.315 | 0.297 | 0.317 | 0.329 | 0.342 | 0.266 | 0.296 | ||||
| Other Taxes and Licenses Payable | 0.298 | 0.248 | 0.212 | 0.229 | 0.243 | 0.286 | 0.248 | 0.223 | 0.214 | ||||
| Accrued Expenses | 2.503 | 2.682 | 2.618 | 2.722 | 2.701 | 2.722 | 2.764 | 3.065 | 2.946 | ||||
| Unearned Income | 0.636 | 0.618 | 0.620 | 0.524 | 0.567 | 0.466 | 0.452 | 1.455 | 1.388 | ||||
| Deferred Tax Liabilities | 0.161 | 0.157 | 0.154 | 0.153 | 0.147 | 0.144 | 0.144 | 0.137 | 0.134 | ||||
| Provisions | 0.019 | 0.022 | 0.024 | 0.025 | 0.027 | 0.029 | 0.023 | 0.023 | 0.023 | ||||
| Other Liabilities | 8.933 | 9.475 | 10.363 | 9.805 | 9.977 | 10.209 | 9.588 | 9.860 | 11.335 | ||||
| Due to Head Office/Branches/Agencies (Philippine branch of a foreign bank) | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | ||||
| Due to FCDU/RBU | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | ||||
| Capital Accounts | 53.678 | 53.420 | 53.682 | 60.078 | 61.755 | 61.423 | 61.947 | 62.845 | 61.686 | ||||
| Paid in Capital Stock | 42.922 | 42.933 | 42.939 | 42.447 | 42.502 | 43.305 | 43.516 | 42.623 | 41.140 | ||||
| Additional Paid-in Capital | 4.983 | 4.983 | 4.983 | 5.266 | 5.736 | 4.932 | 4.932 | 5.289 | 5.289 | ||||
| Other Equity Instruments | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | ||||
| Retained Earnings | 5.611 | 5.624 | 5.484 | 11.803 | 11.512 | 11.377 | 11.239 | 12.033 | 11.573 | ||||
| Stock Dividend Distributable | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | ||||
| Undivided Profits | 0.088 | (0.028) | 0.018 | 0.258 | 0.651 | 1.015 | 1.195 | 1.419 | 1.684 | ||||
| Other Comprehensive Income | (0.788) | (0.954) | (0.603) | (0.557) | 0.483 | (0.039) | 0.233 | 0.648 | 1.182 | ||||
| Appraisal Increment Reserve | 0.947 | 0.947 | 0.947 | 0.947 | 0.956 | 0.918 | 0.918 | 0.918 | 0.828 | ||||
| Treasury Stock | (0.085) | (0.085) | (0.085) | (0.085) | (0.085) | (0.085) | (0.085) | (0.085) | (0.010) | ||||
| Assigned Capital | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | ||||
| Net Due to HO/Br/Ag | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | ||||
| Key Ratios | |||||||||||||
| Cash and Due from Banks to Deposits | 10.93 | 10.63 | 11.35 | 11.52 | 12.08 | 13.04 | 12.78 | 13.79 | 13.69 | ||||
| Liquid Assets to Deposits 3/ | 31.90 | 31.73 | 33.71 | 33.97 | 35.32 | 35.93 | 36.48 | 37.56 | 37.70 | ||||
| Loans, gross to Deposits | 77.12 | 76.67 | 76.42 | 76.43 | 75.43 | 74.64 | 74.49 | 73.81 | 73.61 | ||||
| Capital Adequacy Ratio (CAR) 4/ | |||||||||||||
| Solo Basis | 12.15 | 11.47 | |||||||||||
| Consolidated Basis | 12.15 | 11.47 | |||||||||||
| Total Capital Accounts to Total Assets 5/ | 11.23 | 11.12 | 10.97 | 12.10 | 12.04 | 11.67 | 11.83 | 11.88 | 12.06 | ||||
| 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 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 | |||||||||||||
| 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 25 February 2010 | |||||||||||||