43 Selected Performance Indicators                          
                             
                             
  Thrift 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 8.28 9.33 8.90 8.75 9.39 9.02 8.60 8.55 8.43 8.58 8.39 8.34  
  Past Due Loans 76,512,168.18 85,555,066.42 82,431,241.97 82,743,282.35 86,907,366.03 84,364,681.93 73,160,660.51 73,383,127.12 72,579,673.50 73,879,342.15 72,557,497.16 71,726,946.72  
  Total Loan Portfolio (TLP), gross  923,519,570.64 916,853,861.01 925,944,105.11 945,567,906.93 925,669,226.28 935,266,880.00 850,579,953.28 858,196,944.87 860,725,773.19 861,201,946.46 864,995,494.50 860,306,901.63  
  RL to TLP 0.55 0.53 0.55 0.52 0.52 0.50 0.56 0.56 0.65 0.64 0.63 0.71  
  Restructured Loans (RL), gross 5,063,843.82 4,890,539.28 5,082,578.70 4,919,150.32 4,831,448.23 4,676,426.48 4,796,939.88 4,773,626.16 5,634,667.77 5,500,267.89 5,478,722.10 6,066,797.74  
  TLP, gross  923,519,570.64 916,853,861.01 925,944,105.11 945,567,906.93 925,669,226.28 935,266,880.00 850,579,953.28 858,196,944.87 860,725,773.19 861,201,946.46 864,995,494.50 860,306,901.63  
  Loan Loss Reserves (LLR) to TLP 2.84 2.72 2.79 2.76 2.82 2.76 2.86 2.89 2.91 2.90 2.88 2.89  
  Allowance for Credit Losses (ACL) - TLP 26,229,346.76 24,905,768.54 25,801,119.16 26,071,355.91 26,132,825.36 25,851,534.29 24,315,703.72 24,841,458.29 25,049,474.13 24,991,549.17 24,941,573.89 24,830,956.41  
  TLP, gross  923,519,570.64 916,853,861.01 925,944,105.11 945,567,906.93 925,669,226.28 935,266,880.00 850,579,953.28 858,196,944.87 860,725,773.19 861,201,946.46 864,995,494.50 860,306,901.63  
  Gross NPL Ratio 5.39 5.99 5.88 5.81 6.06 5.90 5.99 6.09 6.01 6.02 5.99 6.01  
  Gross Non-Performing Loans (NPL) 49,808,580.31 54,907,809.42 54,457,763.19 54,901,085.92 56,053,764.82 55,187,175.11 50,921,297.76 52,242,477.05 51,722,511.49 51,835,901.24 51,839,578.33 51,670,200.96  
  TLP, gross  923,519,570.64 916,853,861.01 925,944,105.11 945,567,906.93 925,669,226.28 935,266,880.00 850,579,953.28 858,196,944.87 860,725,773.19 861,201,946.46 864,995,494.50 860,306,901.63  
  Gross NPL Ratio, net of IBL 5.43 6.02 5.87 5.80 6.05 5.89 5.98 6.11 6.01 6.01 5.99 6.00  
  Gross NPL, net of NP IBL 49,667,301.08 54,766,530.18 54,316,483.96 54,759,806.68 55,912,485.58 55,045,895.88 50,780,018.53 52,101,197.81 51,581,232.26 51,694,622.00 51,698,299.09 51,528,921.72  
  (1) Gross NPL 49,808,580.31 54,907,809.42 54,457,763.19 54,901,085.92 56,053,764.82 55,187,175.11 50,921,297.76 52,242,477.05 51,722,511.49 51,835,901.24 51,839,578.33 51,670,200.96  
  (2) Non-performing IBL 141,279.24 141,279.24 141,279.24 141,279.24 141,279.24 141,279.24 141,279.24 141,279.24 141,279.24 141,279.24 141,279.24 141,279.24  
  TLP, gross net of IBL 915,231,213.43 910,073,950.32 925,163,013.45 944,841,731.11 924,771,682.63 934,438,429.17 848,837,067.13 853,253,277.96 858,000,576.78 859,906,503.35 863,781,276.85 859,475,142.38  
  (1) TLP, gross 923,519,570.64 916,853,861.01 925,944,105.11 945,567,906.93 925,669,226.28 935,266,880.00 850,579,953.28 858,196,944.87 860,725,773.19 861,201,946.46 864,995,494.50 860,306,901.63  
  (2) Interbank Loans Receivables (IBL) 8,288,357.21 6,779,910.69 781,091.67 726,175.82 897,543.65 828,450.84 1,742,886.15 4,943,666.92 2,725,196.42 1,295,443.10 1,214,217.66 831,759.25  
  Net NPL Ratio1/ 3.73 4.53 4.31 4.32 4.47 4.39 4.40 4.44 4.34 4.37 4.35 4.34  
  NPL, net of Specific ACL1/ 34,457,635.39 41,564,393.70 39,912,268.20 40,853,439.26 41,354,430.89 41,034,323.12 37,417,211.12 38,128,221.97 37,397,088.48 37,615,326.15 37,644,554.74 37,346,609.43  
  (1) Gross NPL 49,808,580.31 54,907,809.42 54,457,763.19 54,901,085.92 56,053,764.82 55,187,175.11 50,921,297.76 52,242,477.05 51,722,511.49 51,835,901.24 51,839,578.33 51,670,200.96  
  (2) Specific ACL 15,350,944.92 13,343,415.72 14,545,494.99 14,047,646.66 14,699,333.93 14,152,852.00 13,504,086.64 14,114,255.08 14,325,423.02 14,220,575.09 14,195,023.58 14,323,591.52  
  TLP, gross  923,519,570.64 916,853,861.01 925,944,105.11 945,567,906.93 925,669,226.28 935,266,880.00 850,579,953.28 858,196,944.87 860,725,773.19 861,201,946.46 864,995,494.50 860,306,901.63  
  NPL Coverage Ratio 52.66 45.36 47.38 47.49 46.62 46.84 47.75 47.55 48.43 48.21 48.11 48.06  
  ACL - TLP 26,229,346.76 24,905,768.54 25,801,119.16 26,071,355.91 26,132,825.36 25,851,534.29 24,315,703.72 24,841,458.29 25,049,474.13 24,991,549.17 24,941,573.89 24,830,956.41  
  Gross NPL 49,808,580.31 54,907,809.42 54,457,763.19 54,901,085.92 56,053,764.82 55,187,175.11 50,921,297.76 52,242,477.05 51,722,511.49 51,835,901.24 51,839,578.33 51,670,200.96  
  NPL Coverage Ratio, excl. GLLP 39.59 32.90 34.39 34.44 33.99 33.92 33.92 34.51 35.43 35.15 35.02 34.27  
  Spec. ACL - TLP 19,717,141.13 18,062,351.87 18,730,528.21 18,908,389.51 19,053,128.15 18,719,521.27 17,270,555.25 18,027,120.34 18,325,592.84 18,221,471.74 18,155,956.05 17,706,515.24  
  Gross NPL 49,808,580.31 54,907,809.42 54,457,763.19 54,901,085.92 56,053,764.82 55,187,175.11 50,921,297.76 52,242,477.05 51,722,511.49 51,835,901.24 51,839,578.33 51,670,200.96  
  NPA to Gross Assets  5.69 6.08 6.05 6.11 6.28 6.21 6.16 6.30 6.31 6.31 6.34 6.23  
  Non-Performing Assets (NPA) 72,438,849.00 77,235,552.09 77,351,320.50 77,886,771.17 79,532,084.58 78,643,624.54 71,855,105.00 73,349,723.63 72,920,667.21 73,186,223.10 73,384,197.55 73,673,240.52  
  (1) Gross NPL 49,808,580.31 54,907,809.42 54,457,763.19 54,901,085.92 56,053,764.82 55,187,175.11 50,921,297.76 52,242,477.05 51,722,511.49 51,835,901.24 51,839,578.33 51,670,200.96  
  (2) ROPA, gross 22,630,268.68 22,327,742.67 22,893,557.31 22,985,685.25 23,478,319.76 23,456,449.43 20,933,807.24 21,107,246.59 21,198,155.72 21,350,321.87 21,544,619.22 22,003,039.56  
  (a) Real and Other Properties Acquired (ROPA) 19,561,963.67 19,220,137.75 19,915,935.35 19,889,463.27 19,932,680.24 20,042,310.28 18,033,059.44 18,099,763.98 17,984,465.69 18,268,455.30 18,446,692.64 18,616,851.42  
  (b) Non-Current Assets Held for Sale 2,381,604.51 2,404,781.33 2,327,851.72 2,424,458.88 2,406,650.65 2,249,257.42 1,895,350.01 1,999,972.57 2,072,957.66 1,978,285.93 2,000,165.39 2,090,298.13  
  (c) Non-Performing Sales Contract Receivables (SCR) 686,700.51 702,823.60 649,770.23 671,763.11 1,138,988.87 1,164,881.74 1,005,397.80 1,007,510.03 1,140,732.37 1,103,580.64 1,097,761.18 1,295,890.01  
  Gross Assets 1,273,248,052.57 1,270,354,831.43 1,279,118,438.61 1,274,379,127.05 1,266,408,062.85 1,266,965,469.77 1,166,784,497.81 1,163,767,423.05 1,155,996,506.99 1,159,895,180.83 1,157,243,453.44 1,182,131,412.24  
  (1) Total Assets 1,241,916,119.51 1,240,453,979.22 1,248,090,461.99 1,243,063,887.46 1,234,995,245.33 1,235,838,788.56 1,137,870,796.01 1,134,299,311.58 1,126,334,299.87 1,130,263,149.11 1,127,603,811.99 1,152,622,341.40  
  (2) Allowance on NPA 31,331,933.07 29,900,852.20 31,027,976.62 31,315,239.59 31,412,817.52 31,126,681.21 28,913,701.79 29,468,111.47 29,662,207.12 29,632,031.72 29,639,641.45 29,509,070.84  
  NPA Coverage Ratio 43.25 38.71 40.11 40.21 39.50 39.58 40.24 40.17 40.68 40.49 40.39 40.05  
  Allowance on NPA 31,331,933.07 29,900,852.20 31,027,976.62 31,315,239.59 31,412,817.52 31,126,681.21 28,913,701.79 29,468,111.47 29,662,207.12 29,632,031.72 29,639,641.45 29,509,070.84  
  NPA 72,438,849.00 77,235,552.09 77,351,320.50 77,886,771.17 79,532,084.58 78,643,624.54 71,855,105.00 73,349,723.63 72,920,667.21 73,186,223.10 73,384,197.55 73,673,240.52  
  Distressed Assets Ratio 7.89 8.45 8.39 8.30 8.63 8.47 8.53 8.58 8.63 8.65 8.62 8.71  
  Distressed Assets 74,884,858.60 79,657,052.83 79,866,578.11 80,625,647.24 82,156,057.81 81,437,584.63 74,510,971.92 75,576,495.29 76,307,495.47 76,500,090.02 76,609,007.07 77,024,506.73  
  NPA 72,438,849.00 77,235,552.09 77,351,320.50 77,886,771.17 79,532,084.58 78,643,624.54 71,855,105.00 73,349,723.63 72,920,667.21 73,186,223.10 73,384,197.55 73,673,240.52  
  RL, Performing 2,446,009.60 2,421,500.74 2,515,257.61 2,738,876.07 2,623,973.23 2,793,960.09 2,655,866.91 2,226,771.65 3,386,828.26 3,313,866.92 3,224,809.53 3,351,266.21  
  TLP, gross  923,519,570.64 916,853,861.01 925,944,105.11 945,567,906.93 925,669,226.28 935,266,880.00 850,579,953.28 858,196,944.87 860,725,773.19 861,201,946.46 864,995,494.50 860,306,901.63  
  Total ROPA 25,949,111.10 25,428,857.36 26,183,701.85 26,187,048.09 26,170,076.33 26,105,674.43 22,903,431.07 23,150,332.56 23,087,317.12 23,303,675.35 23,403,391.81 23,967,858.32  
  (1) ROPA, gross 22,630,268.68 22,327,742.67 22,893,557.31 22,985,685.25 23,478,319.76 23,456,449.43 20,933,807.24 21,107,246.59 21,198,155.72 21,350,321.87 21,544,619.22 22,003,039.56  
  (2) Performing SCR 3,318,842.42 3,101,114.68 3,290,144.54 3,201,362.84 2,691,756.57 2,649,225.00 1,969,623.83 2,043,085.98 1,889,161.40 1,953,353.48 1,858,772.59 1,964,818.76  
  LIQUIDITY RATIOS  
  (1) Cash and Due from Banks to Deposits 14.21 14.65 14.17 11.84 13.34 12.54 14.46 12.65 11.74 12.02 11.93 15.06  
  Cash and Due from Banks   139,650,222.70 143,994,535.31 139,831,738.52 116,537,195.71 130,305,532.01 122,073,626.97 128,439,419.80 112,237,372.83 103,479,346.47 106,458,417.49 105,326,649.65 134,507,526.76  
  Deposits 982,638,255.05 983,086,693.95 986,897,107.08 983,957,438.32 976,772,366.27 973,570,123.66 888,473,381.25 887,436,986.00 881,334,764.86 885,404,024.47 882,655,635.82 892,892,344.83  
  (2) Liquid Assets to Deposits Ratio 26.55 27.06 26.92 24.43 25.97 24.91 26.55 25.19 24.37 24.69 23.98 26.76  
  Liquid Assets, sum of: 260,877,460.98 266,024,714.82 265,672,361.51 240,392,168.97 253,666,049.82 242,523,230.61 235,860,892.78 223,547,297.72 214,793,637.76 218,580,122.86 211,666,486.49 238,920,954.53  
  (1) Cash and Due from Banks 139,650,222.70 143,994,535.31 139,831,738.52 116,537,195.71 130,305,532.01 122,073,626.97 128,439,419.80 112,237,372.83 103,479,346.47 106,458,417.49 105,326,649.65 134,507,526.76  
  (2) Financial Assets, net (excl. equity investments) 121,227,238.28 122,030,179.51 125,840,622.99 123,854,973.26 123,360,517.81 120,449,603.64 107,421,472.98 111,309,924.88 111,314,291.28 112,121,705.37 106,339,836.83 104,413,427.77  
  Deposits 982,638,255.05 983,086,693.95 986,897,107.08 983,957,438.32 976,772,366.27 973,570,123.66 888,473,381.25 887,436,986.00 881,334,764.86 885,404,024.47 882,655,635.82 892,892,344.83  
  (3) Loans (gross) to Deposits 93.98 93.26 93.82 96.10 94.77 96.07 95.74 96.71 97.66 97.27 98.00 96.35  
  Loans (gross) 923,519,570.64 916,853,861.01 925,944,105.11 945,567,906.93 925,669,226.28 935,266,880.00 850,579,953.28 858,196,944.87 860,725,773.19 861,201,946.46 864,995,494.50 860,306,901.63  
  Deposits 982,638,255.05 983,086,693.95 986,897,107.08 983,957,438.32 976,772,366.27 973,570,123.66 888,473,381.25 887,436,986.00 881,334,764.86 885,404,024.47 882,655,635.82 892,892,344.83  
  SELECTED PROFITABILITY RATIOS  
  (1)  Return on Assets (ROA) 1.27 1.28 1.24 1.21  
  Annualized Net Profit or Loss  15,348,473.01 15,477,482.74 14,462,335.19 14,473,444.22  
  Average Assets 1,208,047,441.19 1,211,801,346.62 1,166,050,840.68 1,198,656,914.31  
  Total Assets (last year) 1,168,004,420.39 1,187,763,904.68 1,205,767,381.49 1,244,691,487.21  
  Total Assets (current year) 1,248,090,461.99 1,235,838,788.56 1,126,334,299.87 1,152,622,341.40  
  (2) Return on Equity (ROE) 9.48 9.38 8.99 8.77  
  Annualized Net Profit or Loss  15,348,473.01 15,477,482.74 14,462,335.19 14,473,444.22  
  Average Capital 161,861,371.38 165,016,917.38 160,792,849.23 165,018,454.28  
  Total Capital (last year) 150,621,131.02 153,697,485.21 158,279,208.79 161,777,787.24  
  Total Capital (current year) 173,101,611.73 176,336,349.54 163,306,489.66 168,259,121.33  
  (3) Earning Asset Yield 7.90 8.16 8.20 8.04  
  Annualized Interest Income 90,157,473.51 93,412,972.81 90,377,578.04 90,731,219.47  
  Average Earning Assets 1,141,778,866.92 1,144,730,342.85 1,102,570,695.74 1,128,914,051.38  
  Earning Assets (last year) 1,106,006,359.67 1,125,945,726.32 1,141,092,572.43 1,171,269,579.88  
  Earning Assets (current year) 1,177,551,374.16 1,163,514,959.38 1,064,048,819.05 1,086,558,522.88  
  (4) Funding Cost 2.78 3.12 3.11 2.91  
  Annualized Interest Expense 27,967,364.83 31,424,793.14 30,166,977.56 29,038,056.78  
  Average Interest Bearing Liabilities 1,005,937,538.27 1,008,678,025.31 969,119,394.50 997,632,809.81  
  Interest Bearing Liabilities (last year) 975,696,880.20 997,959,934.25 1,010,956,475.43 1,044,669,060.31  
  Interest Bearing Liabilities (current year) 1,036,178,196.34 1,019,396,116.37 927,282,313.57 950,596,559.31  
  (5) Interest Spread 5.12 5.04 5.08 5.13  
  (3) Earning Asset Yield 7.90 8.16 8.20 8.04  
  (4) Funding Cost 2.78 3.12 3.11 2.91  
  (6) Net Interest Margin 5.44 5.42 5.45 5.45  
  Annualized Net Interest Income 62,142,649.11 62,000,486.90 60,066,058.00 61,505,386.98  
  Average Earning Assets 1,141,778,866.92 1,144,730,342.85 1,102,570,695.74 1,128,914,051.38  
  (7) Cost to Income Ratio 68.17 68.83 68.21 67.24  
  Annualized Non-Interest Expenses 51,262,724.40 51,935,160.51 49,584,959.44 50,337,391.19  
  Annualized Total Operating Income 75,194,933.57 75,458,931.39 72,690,828.73 74,862,350.19  
  (8) Net Interest Income to Total Operating Income 82.64 82.16 82.63 82.16  
  Annualized Net Interest Income  62,142,649.11 62,000,486.90 60,066,058.00 61,505,386.98  
  Annualized Total Operating Income 75,194,933.57 75,458,931.39 72,690,828.73 74,862,350.19  
  (9) Non-interest Income to Total Operating Income 17.36 17.84 17.37 17.84  
  Annualized Non-Interest Income 13,052,284.46 13,458,444.49 12,624,770.72 13,356,963.21  
  Annualized Total Operating Income 75,194,933.57 75,458,931.39 72,690,828.73 74,862,350.19  
  CAPITAL ADEQUACY  
  Capital Adequacy Ratio - Solo 16.89 17.22 17.11  
  Total Capital Accounts to Total Assets 13.92 13.81 13.88 13.96 14.11 14.28 14.38 14.26 14.51 14.56 14.67 14.61  
                             
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