7 Selected Performance Indicators        
           
           
  Philippine Banking System        
  as of end of periods indicated        
  amounts in thousand Pesos, ratios in percent (%)        
           
   
  Selected Accounts Jan-17 Feb-17 Mar-17p/  
   
  ASSET QUALITY RATIOS:   
  Past Due Ratio 2.28 2.31 2.27  
  Past Due Loans 171,616,103.70 175,388,670.79 174,051,576.53  
  Total Loan Portfolio (TLP), gross  7,533,746,654.91 7,584,082,925.85 7,670,950,961.62  
  RL to TLP 0.51 0.50 0.50  
  Restructured Loans (RL), gross 38,088,805.77 38,174,235.74 38,485,097.83  
  TLP, gross  7,533,746,654.91 7,584,082,925.85 7,670,950,961.62  
  Loan Loss Reserves (LLR) to TLP 2.31 2.32 2.30  
  Allowance for Credit Losses (ACL) - TLP 174,397,539.99 175,702,140.75 176,781,789.25  
  TLP, gross  7,533,746,654.91 7,584,082,925.85 7,670,950,961.62  
  Gross NPL Ratio 1.95 2.00 2.00  
  Gross Non-Performing Loans (NPL) 147,164,177.61 151,481,822.58 153,484,086.66  
  TLP, gross  7,533,746,654.91 7,584,082,925.85 7,670,950,961.62  
  Gross NPL Ratio, net of IBL 2.00 2.04 2.04  
  Gross NPL, net of NP IBL 145,949,914.91 150,267,932.82 152,268,001.67  
  (1) Gross NPL 147,164,177.61 151,481,822.58 153,484,086.66  
  (2) Non-performing IBL 1,214,262.70 1,213,889.77 1,216,084.99  
  TLP, gross net of IBL 7,287,493,528.94 7,365,575,142.54 7,472,808,261.03  
  (1) TLP, gross 7,533,746,654.91 7,584,082,925.85 7,670,950,961.62  
  (2) Interbank Loans Receivables (IBL) 246,253,125.97 218,507,783.31 198,142,700.59  
  Net NPL Ratio 0.60 0.63 0.64  
  NPL, net of Specific ACL 45,242,391.95 47,864,642.10 49,248,202.72  
  (1) Gross NPL 147,164,177.61 151,481,822.58 153,484,086.66  
  (2) Specific ACL 101,921,785.66 103,617,180.49 104,235,883.95  
  TLP, gross  7,533,746,654.91 7,584,082,925.85 7,670,950,961.62  
  NPL Coverage Ratio 118.51 115.99 115.18  
  ACL - TLP 174,397,539.99 175,702,140.75 176,781,789.25  
  Gross NPL 147,164,177.61 151,481,822.58 153,484,086.66  
  NPA to Gross Assets  1.88 1.91 1.90  
  Non-Performing Assets (NPA) 258,259,066.40 262,362,104.70 265,746,842.73  
  (1) Gross NPL 147,164,177.61 151,481,822.58 153,484,086.66  
  (2) ROPA, gross 110,804,031.88 110,880,404.90 112,262,878.85  
  (a) Real and Other Properties Acquired (ROPA) 102,017,897.13 101,871,635.60 101,469,833.59  
  (b) Non-Current Assets Held for Sale 3,749,452.88 3,696,797.17 5,649,995.33  
  (c) Non-Performing Sales Contract Receivables (SCR) 5,327,661.57 5,311,972.13 5,143,049.93  
  Gross Assets 13,724,365,396.96 13,748,157,308.90 13,981,552,332.29  
  (1) Total Assets 13,517,557,011.35 13,539,501,716.14 13,771,346,933.31  
  (2) Allowance on NPA 206,808,385.61 208,655,592.75 210,205,398.98  
  NPA Coverage Ratio 80.08 79.53 79.10  
  Allowance on NPA 206,808,385.61 208,655,592.75 210,205,398.98  
  NPA 258,259,066.40 262,362,104.70 265,746,842.73  
  Distressed Assets Ratio 3.63 3.65 3.65  
  Distressed Assets 277,782,978.95 281,640,684.78 284,666,409.60  
  NPA 258,259,066.40 262,362,104.70 265,746,842.73  
  RL, Performing 19,523,912.55 19,278,580.08 18,919,566.87  
  TLP, gross  7,533,746,654.91 7,584,082,925.85 7,670,950,961.62  
  Total ROPA 124,009,346.70 123,676,406.75 125,031,123.90  
  (1) ROPA, gross 110,804,031.88 110,880,404.90 112,262,878.85  
  (2) Performing SCR 13,205,314.83 12,796,001.85 12,768,245.05  
  LIQUIDITY RATIOS  
  (1) Cash and Due from Banks to Deposits 26.38 24.81 26.09  
  Cash and Due from Banks   2,743,708,703.02 2,606,212,978.62 2,773,440,810.84  
  Deposits 10,402,331,928.46 10,502,965,549.85 10,630,412,762.58  
  (2) Liquid Assets to Deposits Ratio 51.28 50.40 51.24  
  Liquid Assets, sum of: 5,334,822,337.53 5,293,636,370.56 5,446,861,717.08  
  (1) Cash and Due from Banks 2,743,708,703.02 2,606,212,978.62 2,773,440,810.84  
  (2) Financial Assets, net (excl. equity investments) 2,591,113,634.51 2,687,423,391.94 2,673,420,906.24  
  Deposits 10,402,331,928.46 10,502,965,549.85 10,630,412,762.58  
  (3) Loans (gross) to Deposits 72.42 72.21 72.16  
  Loans (gross) 7,533,746,654.91 7,584,082,925.85 7,670,950,961.62  
  Deposits 10,402,331,928.46 10,502,965,549.85 10,630,412,762.58  
  SELECTED PROFITABILITY RATIOS  
  (1)  Return on Assets (ROA) 1.18  
  Annualized Net Profit or Loss  150,461,224.58  
  Average Assets 12,781,180,849.33  
  Total Assets (last year) 12,002,945,931.08  
  Total Assets (current year) 13,559,415,767.58  
  (2) Return on Equity (ROE) 9.97  
  Annualized Net Profit or Loss  150,461,224.58  
  Average Capital 1,508,813,681.79  
  Total Capital (last year) 1,416,333,694.33  
  Total Capital (current year) 1,601,293,669.26  
  (3) Earning Asset Yield 4.11  
  Annualized Interest Income 489,885,490.38  
  Average Earning Assets 11,926,093,405.39  
  Earning Assets (last year) 11,144,758,420.21  
  Earning Assets (current year) 12,707,428,390.57  
  (4) Funding Cost 1.03  
  Annualized Interest Expense 109,639,850.08  
  Average Interest Bearing Liabilities 10,660,460,916.20  
  Interest Bearing Liabilities (last year) 9,983,344,261.03  
  Interest Bearing Liabilities (current year) 11,337,577,571.36  
  (5) Interest Spread 3.08  
  (3) Earning Asset Yield 4.11  
  (4) Funding Cost 1.03  
  (6) Net Interest Margin 3.19  
  Annualized Net Interest Income 379,936,552.34  
  Average Earning Assets 11,926,093,405.39  
  (7) Cost to Income Ratio 63.65  
  Annualized Non-Interest Expenses 329,988,705.36  
  Annualized Total Operating Income 518,476,192.67  
  (8) Net Interest Income to Total Operating Income 73.28  
  Annualized Net Interest Income  379,936,552.34  
  Annualized Total Operating Income 518,476,192.67  
  (9) Non-interest Income to Total Operating Income 26.72  
  Annualized Non-Interest Income 138,539,640.33  
  Annualized Total Operating Income 518,476,192.67  
  CAPITAL ADEQUACY  
  Capital Adequacy Ratio - Solo  
  Total Capital Accounts to Total Assets 12.06 12.10 11.92  
           
p/ Preliminary
Source : Supervisory Data Center, Supervision and Examination Sector, Bangko Sentral ng Pilipinas
Updated as of 9 May 2017