7 Selected Performance Indicators                
                   
                   
  Philippine Banking System                
  as of end of periods indicated                
  amounts in thousand Pesos, ratios in percent (%)                
                   
   
  Selected Accounts Jan-18 Feb-18 Mar-18 Apr-18 May-18 Jun-18/p Jul-18/p  
   
  ASSET QUALITY RATIOS:   
  Past Due Ratio 2.54 2.58 2.59 2.66 2.69 2.62 2.65  
  Past Due Loans 224,092,283.65 227,751,585.64 233,071,847.32 241,166,319.38 246,856,855.43 244,590,796.62 248,631,234.21  
  Total Loan Portfolio (TLP), gross  8,825,609,353.62 8,818,461,678.71 8,997,102,965.97 9,067,710,475.12 9,161,681,678.68 9,352,044,127.36 9,390,300,440.20  
  RL to TLP 0.51 0.51 0.50 0.49 0.48 0.48 0.41  
  Restructured Loans (RL), gross 44,720,993.98 44,785,529.14 44,961,839.13 44,198,069.33 44,276,969.42 44,633,959.23 38,880,832.41  
  TLP, gross  8,825,609,353.62 8,818,461,678.71 8,997,102,965.97 9,067,710,475.12 9,161,681,678.68 9,352,044,127.36 9,390,300,440.20  
  Loan Loss Reserves (LLR) to TLP 2.13 2.19 2.21 2.20 2.17 2.13 2.14  
  Allowance for Credit Losses (ACL) - TLP 187,641,902.53 193,524,423.04 198,475,490.23 199,808,208.67 198,613,151.18 199,065,573.82 201,161,936.03  
  TLP, gross  8,825,609,353.62 8,818,461,678.71 8,997,102,965.97 9,067,710,475.12 9,161,681,678.68 9,352,044,127.36 9,390,300,440.20  
  Gross NPL Ratio 1.82 1.88 1.84 1.85 1.88 1.86 1.88  
  Gross Non-Performing Loans (NPL) 160,958,239.77 166,210,092.06 165,823,232.75 167,966,545.97 172,033,644.27 174,060,037.29 176,486,997.76  
  TLP, gross  8,825,609,353.62 8,818,461,678.71 8,997,102,965.97 9,067,710,475.12 9,161,681,678.68 9,352,044,127.36 9,390,300,440.20  
  Gross NPL Ratio, net of IBL 1.88 1.93 1.88 1.90 1.92 1.91 1.91  
  Gross NPL, net of NP IBL 160,033,816.28 165,285,738.22 164,900,838.77 167,047,440.41 171,115,804.89 173,105,290.46 175,564,804.31  
  (1) Gross NPL 160,958,239.77 166,210,092.06 165,823,232.75 167,966,545.97 172,033,644.27 174,060,037.29 176,486,997.76  
  (2) Non-performing IBL 924,423.49 924,353.84 922,393.98 919,105.56 917,839.38 954,746.83 922,193.45  
  TLP, gross net of IBL 8,515,580,105.89 8,554,317,521.88 8,766,130,859.13 8,804,052,393.90 8,901,465,902.26 9,071,862,137.10 9,177,439,396.68  
  (1) TLP, gross 8,825,609,353.62 8,818,461,678.71 8,997,102,965.97 9,067,710,475.12 9,161,681,678.68 9,352,044,127.36 9,390,300,440.20  
  (2) Interbank Loans Receivables (IBL) 310,029,247.72 264,144,156.84 230,972,106.84 263,658,081.22 260,215,776.42 280,181,990.26 212,861,043.53  
  Net NPL Ratio1/ 0.88 0.89 0.87 0.89 0.93 0.89 1.88  
  NPL, net of Specific ACL1/ 77,864,140.65 78,914,822.70 78,347,866.68 80,458,786.29 84,760,263.41 83,471,347.05 176,486,997.76  
  (1) Gross NPL 160,958,239.77 166,210,092.06 165,823,232.75 167,966,545.97 172,033,644.27 174,060,037.29 176,486,997.76  
  (2) Specific ACL 83,094,099.12 87,295,269.36 87,475,366.06 87,507,759.68 87,273,380.86 90,588,690.24 0.00  
  TLP, gross  8,825,609,353.62 8,818,461,678.71 8,997,102,965.97 9,067,710,475.12 9,161,681,678.68 9,352,044,127.36 9,390,300,440.20  
  NPL Coverage Ratio 116.58 116.43 119.69 118.96 115.45 114.37 113.98  
  ACL - TLP 187,641,902.53 193,524,423.04 198,475,490.23 199,808,208.67 198,613,151.18 199,065,573.82 201,161,936.03  
  Gross NPL 160,958,239.77 166,210,092.06 165,823,232.75 167,966,545.97 172,033,644.27 174,060,037.29 176,486,997.76  
  NPA to Gross Assets  1.77 1.79 1.76 1.77 1.78 1.77 1.78  
  Non-Performing Assets (NPA) 270,342,290.69 275,156,499.59 274,422,767.69 276,889,699.54 281,028,248.85 282,344,900.40 284,875,293.94  
  (1) Gross NPL 160,958,239.77 166,210,092.06 165,823,232.75 167,966,545.97 172,033,644.27 174,060,037.29 176,486,997.76  
  (2) ROPA, gross 109,384,050.92 108,946,407.52 108,599,534.94 108,923,153.57 108,994,604.59 108,284,863.11 108,388,296.17  
  (a) Real and Other Properties Acquired (ROPA) 99,052,118.27 99,109,433.99 98,812,489.13 99,122,043.46 99,329,931.32 98,692,672.44 98,536,563.34  
  (b) Non-Current Assets Held for Sale 4,555,922.66 4,377,507.58 4,480,024.98 4,657,977.70 4,550,768.10 4,508,196.26 4,751,165.83  
  (c) Non-Performing Sales Contract Receivables (SCR) 5,776,009.99 5,459,465.96 5,307,020.82 5,143,132.42 5,113,905.16 5,083,994.41 5,100,567.01  
  Gross Assets 15,297,151,080.31 15,390,479,706.58 15,561,546,069.84 15,601,665,219.52 15,790,056,215.55 15,932,692,365.42 15,982,948,118.58  
  (1) Total Assets 15,079,920,827.09 15,167,240,819.67 15,333,441,648.79 15,372,107,253.21 15,561,789,235.86 15,704,384,605.83 15,752,424,195.10  
  (2) Allowance on NPA 217,230,253.23 223,238,886.92 228,104,421.05 229,557,966.31 228,266,979.69 228,307,759.59 230,523,923.48  
  NPA Coverage Ratio 80.35 81.13 83.12 82.91 81.23 80.86 80.92  
  Allowance on NPA 217,230,253.23 223,238,886.92 228,104,421.05 229,557,966.31 228,266,979.69 228,307,759.59 230,523,923.48  
  NPA 270,342,290.69 275,156,499.59 274,422,767.69 276,889,699.54 281,028,248.85 282,344,900.40 284,875,293.94  
  Distressed Assets Ratio 3.31 3.37 3.27 3.26 3.27 3.21 3.17  
  Distressed Assets 296,288,045.64 301,634,080.29 298,343,695.51 299,685,261.97 304,017,777.59 304,690,027.99 301,678,410.46  
  NPA 270,342,290.69 275,156,499.59 274,422,767.69 276,889,699.54 281,028,248.85 282,344,900.40 284,875,293.94  
  RL, Performing 25,945,754.95 26,477,580.71 23,920,927.82 22,795,562.44 22,989,528.74 22,345,127.59 16,803,116.52  
  TLP, gross  8,825,609,353.62 8,818,461,678.71 8,997,102,965.97 9,067,710,475.12 9,161,681,678.68 9,352,044,127.36 9,390,300,440.20  
  Total ROPA 122,027,908.52 121,793,433.87 122,095,292.15 121,944,112.20 121,875,982.14 125,543,325.94 125,490,421.85  
  (1) ROPA, gross 109,384,050.92 108,946,407.52 108,599,534.94 108,923,153.57 108,994,604.59 108,284,863.11 108,388,296.17  
  (2) Performing SCR 12,643,857.60 12,847,026.35 13,495,757.21 13,020,958.63 12,881,377.55 17,258,462.83 17,102,125.67  
  LIQUIDITY RATIOS  
  (1) Cash and Due from Banks to Deposits 22.19 21.61 21.04 20.82 20.96 19.82 19.80  
  Cash and Due from Banks   2,603,978,351.83 2,558,368,913.55 2,517,555,391.74 2,487,946,374.15 2,523,423,958.53 2,407,853,347.38 2,418,098,991.52  
  Deposits 11,736,902,681.21 11,841,498,312.59 11,963,273,728.59 11,948,937,504.49 12,041,599,217.61 12,149,438,093.63 12,211,906,464.82  
  (2) Liquid Assets to Deposits Ratio 47.35 47.61 46.95 46.77 47.06 46.16 46.07  
  Liquid Assets, sum of: 5,557,165,085.01 5,637,438,613.13 5,616,307,306.71 5,588,639,075.45 5,666,185,369.59 5,608,683,026.99 5,625,447,817.57  
  (1) Cash and Due from Banks 2,603,978,351.83 2,558,368,913.55 2,517,555,391.74 2,487,946,374.15 2,523,423,958.53 2,407,853,347.38 2,418,098,991.52  
  (2) Financial Assets, net (excl. equity investments) 2,953,186,733.17 3,079,069,699.58 3,098,751,914.97 3,100,692,701.30 3,142,761,411.06 3,200,829,679.61 3,207,348,826.05  
  Deposits 11,736,902,681.21 11,841,498,312.59 11,963,273,728.59 11,948,937,504.49 12,041,599,217.61 12,149,438,093.63 12,211,906,464.82  
  (3) Loans (gross) to Deposits 75.20 74.47 75.21 75.89 76.08 76.98 76.89  
  Loans (gross) 8,825,609,353.62 8,818,461,678.71 8,997,102,965.97 9,067,710,475.12 9,161,681,678.68 9,352,044,127.36 9,390,300,440.20  
  Deposits 11,736,902,681.21 11,841,498,312.59 11,963,273,728.59 11,948,937,504.49 12,041,599,217.61 12,149,438,093.63 12,211,906,464.82  
  SELECTED PROFITABILITY RATIOS  
  (1)  Return on Assets (ROA) 1.19 1.15  
  Annualized Net Profit or Loss  173,733,391.66 172,811,499.72  
  Average Assets 14,555,367,592.86 14,970,381,429.67  
  Total Assets (last year) 13,777,293,536.94 14,236,378,253.51  
  Total Assets (current year) 15,333,441,648.79 15,704,384,605.83  
  (2) Return on Equity (ROE) 10.10 9.52  
  Annualized Net Profit or Loss  173,733,391.66 172,811,499.72  
  Average Capital 1,719,802,010.12 1,815,615,696.81  
  Total Capital (last year) 1,642,364,893.06 1,691,879,007.55  
  Total Capital (current year) 1,797,239,127.18 1,939,352,386.08  
  (3) Earning Asset Yield 4.39 4.47  
  Annualized Interest Income 597,957,455.61 626,010,907.21  
  Average Earning Assets 13,625,185,997.66 14,019,611,965.58  
  Earning Assets (last year) 12,906,224,603.56 13,325,872,581.58  
  Earning Assets (current year) 14,344,147,391.77 14,713,351,349.57  
  (4) Funding Cost 1.12 1.18  
  Annualized Interest Expense 136,003,958.91 147,929,304.63  
  Average Interest Bearing Liabilities 12,196,768,426.19 12,514,703,327.39  
  Interest Bearing Liabilities (last year) 11,506,903,914.88 11,923,016,287.12  
  Interest Bearing Liabilities (current year) 12,886,632,937.50 13,106,390,367.66  
  (5) Interest Spread 3.27 3.28  
  (3) Earning Asset Yield 4.39 4.47  
  (4) Funding Cost 1.12 1.18  
  (6) Net Interest Margin 3.39 3.40  
  Annualized Net Interest Income 461,603,688.74 476,960,661.50  
  Average Earning Assets 13,625,185,997.66 14,019,611,965.58  
  (7) Cost to Income Ratio 63.61 63.84  
  Annualized Non-Interest Expenses 389,935,261.69 404,980,937.29  
  Annualized Total Operating Income 613,053,744.50 634,389,735.19  
  (8) Net Interest Income to Total Operating Income 75.30 75.18  
  Annualized Net Interest Income  461,603,688.74 476,960,661.50  
  Annualized Total Operating Income 613,053,744.50 634,389,735.19  
  (9) Non-interest Income to Total Operating Income 24.70 24.82  
  Annualized Non-Interest Income 151,450,055.77 157,429,073.70  
  Annualized Total Operating Income 613,053,744.50 634,389,735.19  
  CAPITAL ADEQUACY  
  Capital Adequacy Ratio - Solo 14.70 15.35  
  Total Capital Accounts to Total Assets 11.92 11.80 11.73 12.12 12.36 12.35 12.50  
                   
1/ Starting September 2017, Net NPLs refer to gross NPLs less specific allowance for credit losses on NPLs per BSP Circular No. 941
/p Preliminary
Source : Supervisory Data Center, Financial Supervision Sector, Bangko Sentral ng Pilipinas
Updated as of 7 September 2018