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-17 Apr-17 May-17 Jun-17 Jul-17 Aug-17 Sep-17p/  
   
  ASSET QUALITY RATIOS:   
  Past Due Ratio 2.28 2.31 2.27 2.32 2.26 2.25 2.32 2.27 2.21  
  Past Due Loans 171,616,103.70 175,388,670.79 174,517,865.12 177,786,705.56 178,143,429.42 180,309,924.49 186,147,209.38 183,033,482.40 185,414,781.65  
  Total Loan Portfolio (TLP), gross  7,533,746,654.91 7,584,082,925.85 7,671,600,750.91 7,660,428,110.09 7,876,444,170.42 8,021,805,884.04 8,011,461,122.58 8,080,142,074.14 8,390,573,341.37  
  RL to TLP 0.51 0.50 0.50 0.50 0.48 0.47 0.53 0.54 0.52  
  Restructured Loans (RL), gross 38,088,805.77 38,174,235.74 38,070,824.46 38,079,907.64 37,460,711.01 37,579,955.02 42,398,824.28 43,665,509.53 43,639,808.39  
  TLP, gross  7,533,746,654.91 7,584,082,925.85 7,671,600,750.91 7,660,428,110.09 7,876,444,170.42 8,021,805,884.04 8,011,461,122.58 8,080,142,074.14 8,390,573,341.37  
  Loan Loss Reserves (LLR) to TLP 2.31 2.32 2.31 2.33 2.26 2.22 2.25 2.25 2.18  
  Allowance for Credit Losses (ACL) - TLP 174,397,539.99 175,702,140.75 177,095,517.48 178,616,319.85 177,861,578.13 178,056,918.93 179,948,693.28 181,785,556.26 182,690,909.24  
  TLP, gross  7,533,746,654.91 7,584,082,925.85 7,671,600,750.91 7,660,428,110.09 7,876,444,170.42 8,021,805,884.04 8,011,461,122.58 8,080,142,074.14 8,390,573,341.37  
  Gross NPL Ratio 1.95 2.00 2.01 2.03 1.98 1.94 1.99 1.97 1.91  
  Gross Non-Performing Loans (NPL) 147,164,177.61 151,481,822.58 154,180,343.94 155,638,451.09 155,567,200.68 155,847,083.50 159,035,528.03 159,261,311.18 160,368,630.02  
  TLP, gross  7,533,746,654.91 7,584,082,925.85 7,671,600,750.91 7,660,428,110.09 7,876,444,170.42 8,021,805,884.04 8,011,461,122.58 8,080,142,074.14 8,390,573,341.37  
  Gross NPL Ratio, net of IBL 2.00 2.04 2.05 2.08 2.01 1.98 2.02 2.01 1.96  
  Gross NPL, net of NP IBL 145,949,914.91 150,267,932.82 152,964,258.94 154,434,842.55 154,330,110.46 154,562,887.04 157,722,801.39 157,930,216.90 159,032,418.08  
  (1) Gross NPL 147,164,177.61 151,481,822.58 154,180,343.94 155,638,451.09 155,567,200.68 155,847,083.50 159,035,528.03 159,261,311.18 160,368,630.02  
  (2) Non-performing IBL 1,214,262.70 1,213,889.77 1,216,084.99 1,203,608.54 1,237,090.21 1,284,196.46 1,312,726.64 1,331,094.28 1,336,211.94  
  TLP, gross net of IBL 7,287,493,528.94 7,365,575,142.54 7,473,458,050.32 7,434,306,873.43 7,672,873,750.18 7,791,981,567.37 7,807,118,764.26 7,869,862,041.86 8,128,655,935.10  
  (1) TLP, gross 7,533,746,654.91 7,584,082,925.85 7,671,600,750.91 7,660,428,110.09 7,876,444,170.42 8,021,805,884.04 8,011,461,122.58 8,080,142,074.14 8,390,573,341.37  
  (2) Interbank Loans Receivables (IBL) 246,253,125.97 218,507,783.31 198,142,700.59 226,121,236.66 203,570,420.24 229,824,316.68 204,342,358.32 210,280,032.28 261,917,406.27  
  Net NPL Ratio1/ 0.60 0.63 0.65 0.67 0.67 0.67 0.70 0.69 0.88  
  NPL, net of Specific ACL1/ 45,242,391.95 47,864,642.10 49,583,906.47 51,158,297.72 52,588,444.82 54,082,370.08 56,302,126.22 55,784,328.72 73,874,347.52  
  (1) Gross NPL 147,164,177.61 151,481,822.58 154,180,343.94 155,638,451.09 155,567,200.68 155,847,083.50 159,035,528.03 159,261,311.18 160,368,630.02  
  (2) Specific ACL 101,921,785.66 103,617,180.49 104,596,437.47 104,480,153.37 102,978,755.85 101,764,713.42 102,733,401.81 103,476,982.46 86,494,282.50  
  TLP, gross  7,533,746,654.91 7,584,082,925.85 7,671,600,750.91 7,660,428,110.09 7,876,444,170.42 8,021,805,884.04 8,011,461,122.58 8,080,142,074.14 8,390,573,341.37  
  NPL Coverage Ratio 118.51 115.99 114.86 114.76 114.33 114.25 113.15 114.14 113.92  
  ACL - TLP 174,397,539.99 175,702,140.75 177,095,517.48 178,616,319.85 177,861,578.13 178,056,918.93 179,948,693.28 181,785,556.26 182,690,909.24  
  Gross NPL 147,164,177.61 151,481,822.58 154,180,343.94 155,638,451.09 155,567,200.68 155,847,083.50 159,035,528.03 159,261,311.18 160,368,630.02  
  NPA to Gross Assets  1.88 1.91 1.90 1.91 1.89 1.82 1.84 1.83 1.81  
  Non-Performing Assets (NPA) 258,259,066.40 262,362,104.70 266,306,182.61 267,545,213.42 266,448,444.43 263,017,196.62 266,001,822.33 267,315,993.11 268,580,250.03  
  (1) Gross NPL 147,164,177.61 151,481,822.58 154,180,343.94 155,638,451.09 155,567,200.68 155,847,083.50 159,035,528.03 159,261,311.18 160,368,630.02  
  (2) ROPA, gross 110,804,031.88 110,880,404.90 112,125,838.68 111,906,762.33 110,881,243.75 107,170,277.05 106,966,458.24 108,054,845.86 108,211,783.95  
  (a) Real and Other Properties Acquired (ROPA) 102,017,897.13 101,871,635.60 101,248,832.96 101,060,881.62 100,170,969.66 98,506,891.49 98,475,950.18 98,115,135.40 97,776,802.54  
  (b) Non-Current Assets Held for Sale 3,749,452.88 3,696,797.17 5,723,223.86 5,824,764.83 5,481,042.57 3,723,782.38 3,679,670.41 4,058,116.59 4,145,855.78  
  (c) Non-Performing Sales Contract Receivables (SCR) 5,327,661.57 5,311,972.13 5,153,781.85 5,021,115.88 5,229,231.52 4,939,603.18 4,810,837.65 5,881,593.88 6,289,125.62  
  Gross Assets 13,724,365,396.96 13,748,157,308.90 13,987,854,095.21 14,024,848,899.38 14,077,642,476.90 14,451,510,824.59 14,464,507,916.67 14,634,873,920.99 14,823,544,694.82  
  (1) Total Assets 13,517,557,011.35 13,539,501,716.14 13,777,293,536.94 13,813,062,560.39 13,867,546,972.70 14,242,197,262.99 14,253,349,818.41 14,421,887,010.73 14,609,873,275.70  
  (2) Allowance on NPA 206,808,385.61 208,655,592.75 210,560,558.27 211,786,338.98 210,095,504.20 209,313,561.60 211,158,098.26 212,986,910.26 213,671,419.12  
  NPA Coverage Ratio 80.08 79.53 79.07 79.16 78.85 79.58 79.38 79.68 79.56  
  Allowance on NPA 206,808,385.61 208,655,592.75 210,560,558.27 211,786,338.98 210,095,504.20 209,313,561.60 211,158,098.26 212,986,910.26 213,671,419.12  
  NPA 258,259,066.40 262,362,104.70 266,306,182.61 267,545,213.42 266,448,444.43 263,017,196.62 266,001,822.33 267,315,993.11 268,580,250.03  
  Distressed Assets Ratio 3.63 3.65 3.65 3.67 3.55 3.43 3.54 3.56 3.45  
  Distressed Assets 277,782,978.95 281,640,684.78 284,810,259.62 285,514,887.14 283,667,763.81 279,594,749.83 287,469,475.02 291,492,666.34 293,796,129.15  
  NPA 258,259,066.40 262,362,104.70 266,306,182.61 267,545,213.42 266,448,444.43 263,017,196.62 266,001,822.33 267,315,993.11 268,580,250.03  
  RL, Performing 19,523,912.55 19,278,580.08 18,504,077.01 17,969,673.72 17,219,319.39 16,577,553.21 21,467,652.68 24,176,673.23 25,215,879.12  
  TLP, gross  7,533,746,654.91 7,584,082,925.85 7,671,600,750.91 7,660,428,110.09 7,876,444,170.42 8,021,805,884.04 8,011,461,122.58 8,080,142,074.14 8,390,573,341.37  
  Total ROPA 124,009,346.70 123,676,406.75 124,822,201.54 124,551,633.92 123,092,115.21 120,022,860.28 119,912,032.33 118,013,057.42 117,863,903.00  
  (1) ROPA, gross 110,804,031.88 110,880,404.90 112,125,838.68 111,906,762.33 110,881,243.75 107,170,277.05 106,966,458.24 108,054,845.86 108,211,783.95  
  (2) Performing SCR 13,205,314.83 12,796,001.85 12,696,362.86 12,644,871.58 12,210,871.46 12,852,583.23 12,945,574.09 9,958,211.56 9,652,119.06  
  LIQUIDITY RATIOS  
  (1) Cash and Due from Banks to Deposits 26.38 24.81 26.10 25.65 23.97 24.99 24.85 24.97 24.07  
  Cash and Due from Banks   2,743,708,703.02 2,606,212,978.62 2,775,413,175.46 2,713,946,600.96 2,565,616,412.15 2,753,277,210.70 2,758,322,464.60 2,809,270,383.81 2,725,081,753.45  
  Deposits 10,402,331,928.46 10,502,965,549.85 10,635,756,735.51 10,580,646,959.88 10,703,656,088.65 11,018,722,042.41 11,098,125,905.65 11,248,868,571.35 11,321,606,388.17  
  (2) Liquid Assets to Deposits Ratio 51.28 50.40 51.26 51.65 49.63 50.37 50.21 50.26 49.02  
  Liquid Assets, sum of: 5,334,822,337.53 5,293,636,370.56 5,452,310,504.84 5,464,731,448.87 5,311,848,386.81 5,550,290,990.55 5,572,529,287.53 5,653,846,524.19 5,549,409,938.41  
  (1) Cash and Due from Banks 2,743,708,703.02 2,606,212,978.62 2,775,413,175.46 2,713,946,600.96 2,565,616,412.15 2,753,277,210.70 2,758,322,464.60 2,809,270,383.81 2,725,081,753.45  
  (2) Financial Assets, net (excl. equity investments) 2,591,113,634.51 2,687,423,391.94 2,676,897,329.38 2,750,784,847.91 2,746,231,974.65 2,797,013,779.85 2,814,206,822.93 2,844,576,140.37 2,824,328,184.96  
  Deposits 10,402,331,928.46 10,502,965,549.85 10,635,756,735.51 10,580,646,959.88 10,703,656,088.65 11,018,722,042.41 11,098,125,905.65 11,248,868,571.35 11,321,606,388.17  
  (3) Loans (gross) to Deposits 72.42 72.21 72.13 72.40 73.59 72.80 72.19 71.83 74.11  
  Loans (gross) 7,533,746,654.91 7,584,082,925.85 7,671,600,750.91 7,660,428,110.09 7,876,444,170.42 8,021,805,884.04 8,011,461,122.58 8,080,142,074.14 8,390,573,341.37  
  Deposits 10,402,331,928.46 10,502,965,549.85 10,635,756,735.51 10,580,646,959.88 10,703,656,088.65 11,018,722,042.41 11,098,125,905.65 11,248,868,571.35 11,321,606,388.17  
  SELECTED PROFITABILITY RATIOS  
  (1)  Return on Assets (ROA) 1.19 1.18 1.17  
  Annualized Net Profit or Loss  154,339,251.97 157,453,582.92 160,831,778.70  
  Average Assets 12,991,380,952.37 13,393,979,932.56 13,690,346,429.31  
  Total Assets (last year) 12,205,468,367.81 12,545,762,602.14 12,787,976,637.56  
  Total Assets (current year) 13,777,293,536.94 14,242,197,262.99 14,592,716,221.06  
  (2) Return on Equity (ROE) 9.97 9.79 9.80  
  Annualized Net Profit or Loss  154,339,251.97 157,453,582.92 160,831,778.70  
  Average Capital 1,548,277,340.67 1,608,291,515.51 1,641,665,360.31  
  Total Capital (last year) 1,454,189,788.28 1,523,668,464.34 1,549,568,272.12  
  Total Capital (current year) 1,642,364,893.06 1,692,914,566.68 1,733,762,448.51  
  (3) Earning Asset Yield 4.22 4.23 4.30  
  Annualized Interest Income 511,504,985.57 529,255,444.47 549,826,351.61  
  Average Earning Assets 12,117,284,377.22 12,497,971,650.50 12,796,381,582.15  
  Earning Assets (last year) 11,328,344,150.87 11,664,446,040.06 11,906,608,219.98  
  Earning Assets (current year) 12,906,224,603.56 13,331,497,260.95 13,686,154,944.32  
  (4) Funding Cost 1.05 1.04 1.06  
  Annualized Interest Expense 113,420,341.16 116,772,737.24 121,650,153.77  
  Average Interest Bearing Liabilities 10,823,394,184.92 11,190,862,343.85 11,442,265,856.54  
  Interest Bearing Liabilities (last year) 10,139,884,454.95 10,453,919,041.33 10,678,746,816.04  
  Interest Bearing Liabilities (current year) 11,506,903,914.88 11,927,805,646.38 12,205,784,897.05  
  (5) Interest Spread 3.17 3.19 3.23  
  (3) Earning Asset Yield 4.22 4.23 4.30  
  (4) Funding Cost 1.05 1.04 1.06  
  (6) Net Interest Margin 3.28 3.30 3.34  
  Annualized Net Interest Income 397,774,885.17 412,178,820.71 427,922,050.75  
  Average Earning Assets 12,117,284,377.22 12,497,971,650.50 12,796,381,582.15  
  (7) Cost to Income Ratio 64.18 64.20 63.91  
  Annualized Non-Interest Expenses 348,884,202.75 355,183,370.18 362,392,739.15  
  Annualized Total Operating Income 543,619,648.13 553,215,086.71 567,005,852.56  
  (8) Net Interest Income to Total Operating Income 73.17 74.51 75.47  
  Annualized Net Interest Income  397,774,885.17 412,178,820.71 427,922,050.75  
  Annualized Total Operating Income 543,619,648.13 553,215,086.71 567,005,852.56  
  (9) Non-interest Income to Total Operating Income 26.83 25.49 24.53  
  Annualized Non-Interest Income 145,844,762.96 141,036,266.00 139,083,801.81  
  Annualized Total Operating Income 543,619,648.13 553,215,086.71 567,005,852.56  
  CAPITAL ADEQUACY  
  Capital Adequacy Ratio - Solo 15.29p/ 15.52p/  
  Total Capital Accounts to Total Assets 12.06 12.10 11.93 11.96 12.11 11.89 11.98 11.96 11.89  
                       
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 : Supervisory Data Center, Supervision and Examination Sector, Bangko Sentral ng Pilipinas
Updated as of 9 November 2017