7 Selected Performance Indicators    
       
       
  Philippine Banking System    
  as of end of periods indicated    
  amounts in thousand Pesos, ratios in percent (%)    
       
   
  Selected Accounts Jan-17p/  
   
  ASSET QUALITY RATIOS:   
  Past Due Ratio 2.28  
  Past Due Loans 171,977,256.13  
  Total Loan Portfolio (TLP), gross  7,534,084,160.46  
  RL to TLP 0.50  
  Restructured Loans (RL), gross 37,893,428.67  
  TLP, gross  7,534,084,160.46  
  Loan Loss Reserves (LLR) to TLP 2.32  
  Allowance for Credit Losses (ACL) - TLP 174,543,192.10  
  TLP, gross  7,534,084,160.46  
  Gross NPL Ratio 1.96  
  Gross Non-Performing Loans (NPL) 147,841,119.01  
  TLP, gross  7,534,084,160.46  
  Gross NPL Ratio, net of IBL 2.01  
  Gross NPL, net of NP IBL 146,626,856.31  
  (1) Gross NPL 147,841,119.01  
  (2) Non-performing IBL 1,214,262.70  
  TLP, gross net of IBL 7,287,831,034.49  
  (1) TLP, gross 7,534,084,160.46  
  (2) Interbank Loans Receivables (IBL) 246,253,125.97  
  Net NPL Ratio 0.61  
  NPL, net of Specific ACL 45,720,568.46  
  (1) Gross NPL 147,841,119.01  
  (2) Specific ACL 102,120,550.55  
  TLP, gross  7,534,084,160.46  
  NPL Coverage Ratio 118.06  
  ACL - TLP 174,543,192.10  
  Gross NPL 147,841,119.01  
  NPA to Gross Assets  1.88  
  Non-Performing Assets (NPA) 258,525,209.56  
  (1) Gross NPL 147,841,119.01  
  (2) ROPA, gross 110,393,166.03  
  (a) Real and Other Properties Acquired (ROPA) 101,682,656.17  
  (b) Non-Current Assets Held for Sale 3,742,291.47  
  (c) Non-Performing Sales Contract Receivables (SCR) 5,259,198.09  
  Gross Assets 13,719,054,942.55  
  (1) Total Assets 13,512,165,569.82  
  (2) Allowance on NPA 206,889,372.73  
  NPA Coverage Ratio 80.03  
  Allowance on NPA 206,889,372.73  
  NPA 258,525,209.56  
  Distressed Assets Ratio 3.63  
  Distressed Assets 277,890,246.82  
  NPA 258,525,209.56  
  RL, Performing 19,365,037.26  
  TLP, gross  7,534,084,160.46  
  Total ROPA 123,620,709.90  
  (1) ROPA, gross 110,393,166.03  
  (2) Performing SCR 13,227,543.87  
  LIQUIDITY RATIOS  
  (1) Cash and Due from Banks to Deposits 26.38  
  Cash and Due from Banks   2,743,145,177.65  
  Deposits 10,399,755,046.91  
  (2) Liquid Assets to Deposits Ratio 51.25  
  Liquid Assets, sum of: 5,329,652,983.29  
  (1) Cash and Due from Banks 2,743,145,177.65  
  (2) Financial Assets, net (excl. equity investments) 2,586,507,805.64  
  Deposits 10,399,755,046.91  
  (3) Loans (gross) to Deposits 72.44  
  Loans (gross) 7,534,084,160.46  
  Deposits 10,399,755,046.91  
  SELECTED PROFITABILITY RATIOS  
  (1)  Return on Assets (ROA)  
  Annualized Net Profit or Loss   
  Average Assets  
  Total Assets (last year)  
  Total Assets (current year)  
  (2) Return on Equity (ROE)  
  Annualized Net Profit or Loss   
  Average Capital  
  Total Capital (last year)  
  Total Capital (current year)  
  (3) Earning Asset Yield  
  Annualized Interest Income  
  Average Earning Assets  
  Earning Assets (last year)  
  Earning Assets (current year)  
  (4) Funding Cost  
  Annualized Interest Expense  
  Average Interest Bearing Liabilities  
  Interest Bearing Liabilities (last year)  
  Interest Bearing Liabilities (current year)  
  (5) Interest Spread  
  (3) Earning Asset Yield  
  (4) Funding Cost  
  (6) Net Interest Margin  
  Annualized Net Interest Income  
  Average Earning Assets  
  (7) Cost to Income Ratio  
  Annualized Non-Interest Expenses  
  Annualized Total Operating Income  
  (8) Net Interest Income to Total Operating Income  
  Annualized Net Interest Income   
  Annualized Total Operating Income  
  (9) Non-interest Income to Total Operating Income  
  Annualized Non-Interest Income  
  Annualized Total Operating Income  
  CAPITAL ADEQUACY  
  Capital Adequacy Ratio - Solo  
  Capital Adequacy Ratio - Conso  
  Total Capital Accounts to Total Assets 12.06  
       
p/ Preliminary
Source : Supervisory Data Center, Supervision and Examination Sector, Bangko Sentral ng Pilipinas
Updated as of 7 March 2017