43 Selected Performance Indicators                
                   
                   
  Thrift Bank Group                
  as of end of periods indicated                
  amounts in thousand Pesos, ratios in percent (%)                
                   
   
  Selected Accounts Jan-20 Feb-20 Mar-20 Apr-20 May-20 Jun-20/P Jul-20/P  
   
  ASSET QUALITY RATIOS:   
  Past Due Ratio 8.79 8.24 8.08 8.13 7.82 7.81 12.50  
  Past Due Loans 75,957,446.19 73,129,293.76 64,939,660.66 63,748,615.12 61,188,971.65 61,613,031.04 98,819,582.57  
  Total Loan Portfolio (TLP), gross  864,132,155.86 887,533,222.59 803,596,016.35 783,666,646.09 782,133,169.47 789,005,353.20 790,544,436.62  
  RL to TLP 0.63 0.60 0.61 0.63 0.64 0.64 0.66  
  Restructured Loans (RL), gross 5,421,094.94 5,325,808.14 4,913,828.92 4,966,017.16 5,026,476.49 5,013,824.42 5,255,182.98  
  TLP, gross  864,132,155.86 887,533,222.59 803,596,016.35 783,666,646.09 782,133,169.47 789,005,353.20 790,544,436.62  
  Loan Loss Reserves (LLR) to TLP 2.85 2.76 2.86 3.10 3.42 3.45 3.81  
  Allowance for Credit Losses (ACL) - TLP 24,626,531.36 24,475,668.16 23,019,982.95 24,310,616.65 26,770,990.50 27,215,874.32 30,130,920.13  
  TLP, gross  864,132,155.86 887,533,222.59 803,596,016.35 783,666,646.09 782,133,169.47 789,005,353.20 790,544,436.62  
  Gross NPL Ratio 5.97 5.79 5.50 5.66 5.66 5.71 6.17  
  Gross Non-Performing Loans (NPL) 51,604,452.02 51,399,288.83 44,197,242.91 44,391,401.55 44,306,932.74 45,040,011.94 48,799,744.34  
  TLP, gross  864,132,155.86 887,533,222.59 803,596,016.35 783,666,646.09 782,133,169.47 789,005,353.20 790,544,436.62  
  Gross NPL Ratio, net of IBL 5.96 5.80 5.50 5.65 5.65 5.70 6.16  
  Gross NPL, net of NP IBL 51,463,172.78 51,258,009.59 44,055,963.67 44,250,122.32 44,165,653.51 44,898,732.70 48,658,465.10  
  (1) Gross NPL 51,604,452.02 51,399,288.83 44,197,242.91 44,391,401.55 44,306,932.74 45,040,011.94 48,799,744.34  
  (2) Non-performing IBL 141,279.24 141,279.24 141,279.24 141,279.24 141,279.24 141,279.24 141,279.24  
  TLP, gross net of IBL 863,311,394.15 883,427,136.39 801,598,301.47 782,847,665.77 781,300,616.50 788,172,487.83 789,743,386.73  
  (1) TLP, gross 864,132,155.86 887,533,222.59 803,596,016.35 783,666,646.09 782,133,169.47 789,005,353.20 790,544,436.62  
  (2) Interbank Loans Receivables (IBL) 820,761.71 4,106,086.20 1,997,714.88 818,980.32 832,552.97 832,865.36 801,049.89  
  Net NPL Ratio1/ 4.33 4.22 3.87 3.88 3.58 3.61 3.79  
  NPL, net of Specific ACL1/ 37,440,264.86 37,467,689.10 31,074,917.74 30,416,665.71 28,036,869.95 28,519,356.61 29,991,678.91  
  (1) Gross NPL 51,604,452.02 51,399,288.83 44,197,242.91 44,391,401.55 44,306,932.74 45,040,011.94 48,799,744.34  
  (2) Specific ACL 14,164,187.16 13,931,599.73 13,122,325.17 13,974,735.84 16,270,062.80 16,520,655.33 18,808,065.44  
  TLP, gross  864,132,155.86 887,533,222.59 803,596,016.35 783,666,646.09 782,133,169.47 789,005,353.20 790,544,436.62  
  NPL Coverage Ratio 47.72 47.62 52.08 54.76 60.42 60.43 61.74  
  ACL - TLP 24,626,531.36 24,475,668.16 23,019,982.95 24,310,616.65 26,770,990.50 27,215,874.32 30,130,920.13  
  Gross NPL 51,604,452.02 51,399,288.83 44,197,242.91 44,391,401.55 44,306,932.74 45,040,011.94 48,799,744.34  
  NPL Coverage Ratio, excl. GLLP 33.86 33.77 36.36 38.53 45.29 44.07 45.99  
  Spec. ACL - TLP 17,471,418.80 17,357,463.48 16,072,226.15 17,101,830.35 20,067,921.85 19,850,228.52 22,445,280.68  
  Gross NPL 51,604,452.02 51,399,288.83 44,197,242.91 44,391,401.55 44,306,932.74 45,040,011.94 48,799,744.34  
  NPA to Gross Assets  6.18 6.14 5.84 5.76 5.71 5.80 6.05  
  Non-Performing Assets (NPA) 73,448,568.60 73,289,811.28 65,593,964.69 65,676,142.91 65,199,990.40 66,107,704.52 69,423,217.08  
  (1) Gross NPL 51,604,452.02 51,399,288.83 44,197,242.91 44,391,401.55 44,306,932.74 45,040,011.94 48,799,744.34  
  (2) ROPA, gross 21,844,116.58 21,890,522.46 21,396,721.78 21,284,741.35 20,893,057.66 21,067,692.59 20,623,472.74  
  (a) Real and Other Properties Acquired (ROPA) 18,490,025.53 18,420,896.17 17,834,682.67 17,759,161.63 17,411,107.14 17,359,057.45 16,863,570.57  
  (b) Non-Current Assets Held for Sale 2,042,507.28 2,173,996.62 2,240,050.40 2,253,984.05 2,229,078.87 2,166,382.60 2,133,986.64  
  (c) Non-Performing Sales Contract Receivables (SCR) 1,311,583.77 1,295,629.66 1,321,988.72 1,271,595.68 1,252,871.65 1,542,252.54 1,625,915.52  
  Gross Assets 1,188,250,791.81 1,194,484,281.15 1,123,388,883.70 1,140,952,929.36 1,142,682,622.74 1,139,005,764.78 1,147,374,164.69  
  (1) Total Assets 1,159,438,559.98 1,165,363,393.69 1,095,800,542.22 1,111,945,373.47 1,111,161,597.98 1,107,061,160.20 1,112,671,960.15  
  (2) Allowance on NPA 28,812,231.83 29,120,887.46 27,588,341.48 29,007,555.89 31,521,024.77 31,944,604.59 34,702,204.53  
  NPA Coverage Ratio 39.23 39.73 42.06 44.17 48.35 48.32 49.99  
  Allowance on NPA 28,812,231.83 29,120,887.46 27,588,341.48 29,007,555.89 31,521,024.77 31,944,604.59 34,702,204.53  
  NPA 73,448,568.60 73,289,811.28 65,593,964.69 65,676,142.91 65,199,990.40 66,107,704.52 69,423,217.08  
  Distressed Assets Ratio 8.56 8.31 8.22 8.43 8.38 8.42 8.81  
  Distressed Assets 75,990,399.15 75,707,449.33 67,946,143.60 68,013,475.72 67,474,017.82 68,351,597.92 71,632,526.25  
  NPA 73,448,568.60 73,289,811.28 65,593,964.69 65,676,142.91 65,199,990.40 66,107,704.52 69,423,217.08  
  RL, Performing 2,541,830.55 2,417,638.05 2,352,178.91 2,337,332.81 2,274,027.42 2,243,893.39 2,209,309.18  
  TLP, gross  864,132,155.86 887,533,222.59 803,596,016.35 783,666,646.09 782,133,169.47 789,005,353.20 790,544,436.62  
  Total ROPA 23,677,356.47 23,727,159.17 23,187,254.07 23,146,542.93 22,763,648.95 22,659,394.99 22,166,949.76  
  (1) ROPA, gross 21,844,116.58 21,890,522.46 21,396,721.78 21,284,741.35 20,893,057.66 21,067,692.59 20,623,472.74  
  (2) Performing SCR 1,833,239.89 1,836,636.71 1,790,532.29 1,861,801.58 1,870,591.29 1,591,702.40 1,543,477.02  
  LIQUIDITY RATIOS  
  (1) Cash and Due from Banks to Deposits 15.28 12.44 14.18 17.34 16.68 19.05 21.07  
  Cash and Due from Banks   137,674,092.15 111,960,302.64 119,815,683.73 148,458,149.02 142,743,428.30 163,383,455.38 181,662,314.01  
  Deposits 901,257,883.18 900,133,782.10 845,106,496.55 856,169,905.77 855,932,177.07 857,468,390.02 861,980,676.48  
  (2) Liquid Assets to Deposits Ratio 27.21 25.19 28.42 32.03 31.96 30.94 31.37  
  Liquid Assets, sum of: 245,270,070.21 226,762,115.34 240,158,294.81 274,250,318.95 273,561,947.60 265,324,967.10 270,414,987.27  
  (1) Cash and Due from Banks 137,674,092.15 111,960,302.64 119,815,683.73 148,458,149.02 142,743,428.30 163,383,455.38 181,662,314.01  
  (2) Financial Assets, net (excl. equity investments) 107,595,978.06 114,801,812.70 120,342,611.08 125,792,169.93 130,818,519.30 101,941,511.71 88,752,673.26  
  Deposits 901,257,883.18 900,133,782.10 845,106,496.55 856,169,905.77 855,932,177.07 857,468,390.02 861,980,676.48  
  (3) Loans (gross) to Deposits 95.88 98.60 95.09 91.53 91.38 92.02 91.71  
  Loans (gross) 864,132,155.86 887,533,222.59 803,596,016.35 783,666,646.09 782,133,169.47 789,005,353.20 790,544,436.62  
  Deposits 901,257,883.18 900,133,782.10 845,106,496.55 856,169,905.77 855,932,177.07 857,468,390.02 861,980,676.48  
  SELECTED PROFITABILITY RATIOS  
  (1)  Return on Assets (ROA) 1.26 1.13  
  Annualized Net Profit or Loss  14,793,875.71 13,259,079.33  
  Average Assets 1,171,945,502.10 1,171,449,974.38  
  Total Assets (last year) 1,248,090,461.99 1,235,838,788.56  
  Total Assets (current year) 1,095,800,542.22 1,107,061,160.20  
  (2) Return on Equity (ROE) 8.96 7.93  
  Annualized Net Profit or Loss  14,793,875.71 13,259,079.33  
  Average Capital 165,073,609.76 167,180,116.09  
  Total Capital (last year) 173,101,611.73 176,336,349.54  
  Total Capital (current year) 157,045,607.79 158,023,882.64  
  (3) Earning Asset Yield 8.07 7.75  
  Annualized Interest Income 89,084,801.56 85,407,573.28  
  Average Earning Assets 1,103,660,934.99 1,102,686,451.86  
  Earning Assets (last year) 1,177,551,374.16 1,163,514,959.38  
  Earning Assets (current year) 1,029,770,495.81 1,041,857,944.34  
  (4) Funding Cost 2.68 2.37  
  Annualized Interest Expense 26,021,719.11 22,917,568.37  
  Average Interest Bearing Liabilities 972,087,451.19 968,015,872.50  
  Interest Bearing Liabilities (last year) 1,036,178,196.34 1,019,396,116.37  
  Interest Bearing Liabilities (current year) 907,996,706.05 916,635,628.63  
  (5) Interest Spread 5.39 5.38  
  (3) Earning Asset Yield 8.07 7.75  
  (4) Funding Cost 2.68 2.37  
  (6) Net Interest Margin 5.70 5.64  
  Annualized Net Interest Income 62,875,121.24 62,204,449.98  
  Average Earning Assets 1,103,660,934.99 1,102,686,451.86  
  (7) Cost to Income Ratio 65.83 65.28  
  Annualized Non-Interest Expenses 49,692,889.21 48,438,402.86  
  Annualized Total Operating Income 75,487,436.29 74,205,426.24  
  (8) Net Interest Income to Total Operating Income 83.29 83.83  
  Annualized Net Interest Income  62,875,121.24 62,204,449.98  
  Annualized Total Operating Income 75,487,436.29 74,205,426.24  
  (9) Non-interest Income to Total Operating Income 16.71 16.17  
  Annualized Non-Interest Income 12,612,315.05 12,000,976.26  
  Annualized Total Operating Income 75,487,436.29 74,205,426.24  
  CAPITAL ADEQUACY  
  Capital Adequacy Ratio - Solo  
  Total Capital Accounts to Total Assets 14.58 14.53 14.34 14.31 14.31 14.28 14.36  
                   
/p Preliminary
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 9 September 2020