7 Selected Performance Indicators    
       
       
  Philippine Banking System    
  as of end of periods indicated    
  amounts in thousand Pesos, ratios in percent (%)    
       
   
  Selected Accounts Jan-20  
   
  ASSET QUALITY RATIOS:   
  Past Due Ratio 2.94  
  Past Due Loans 319,643,450.20  
  Total Loan Portfolio (TLP), gross  10,888,911,488.11  
  RL to TLP 0.41  
  Restructured Loans (RL), gross 44,697,764.58  
  TLP, gross  10,888,911,488.11  
  Loan Loss Reserves (LLR) to TLP 1.98  
  Allowance for Credit Losses (ACL) - TLP 215,204,489.43  
  TLP, gross  10,888,911,488.11  
  Gross NPL Ratio 2.16  
  Gross Non-Performing Loans (NPL) 234,987,711.10  
  TLP, gross  10,888,911,488.11  
  Gross NPL Ratio, net of IBL 2.21  
  Gross NPL, net of NP IBL 234,359,961.51  
  (1) Gross NPL 234,987,711.10  
  (2) Non-performing IBL 627,749.59  
  TLP, gross net of IBL 10,600,702,490.44  
  (1) TLP, gross 10,888,911,488.11  
  (2) Interbank Loans Receivables (IBL) 288,208,997.67  
  Net NPL Ratio1/ 1.14  
  NPL, net of Specific ACL1/ 124,152,474.08  
  (1) Gross NPL 234,987,711.10  
  (2) Specific ACL 110,835,237.02  
  TLP, gross  10,888,911,488.11  
  NPL Coverage Ratio 91.58  
  ACL - TLP 215,204,489.43  
  Gross NPL 234,987,711.10  
  NPL Coverage Ratio, excl. GLLP 59.29  
  Spec. ACL - TLP 139,318,754.36  
  Gross NPL 234,987,711.10  
  NPA to Gross Assets  1.90  
  Non-Performing Assets (NPA) 349,108,713.34  
  (1) Gross NPL 234,987,711.10  
  (2) ROPA, gross 114,121,002.24  
  (a) Real and Other Properties Acquired (ROPA) 102,062,494.37  
  (b) Non-Current Assets Held for Sale 7,252,137.35  
  (c) Non-Performing Sales Contract Receivables (SCR) 4,806,370.52  
  Gross Assets 18,400,457,423.15  
  (1) Total Assets 18,155,016,400.86  
  (2) Allowance on NPA 245,441,022.29  
  NPA Coverage Ratio 70.31  
  Allowance on NPA 245,441,022.29  
  NPA 349,108,713.34  
  Distressed Assets Ratio 3.35  
  Distressed Assets 368,895,612.15  
  NPA 349,108,713.34  
  RL, Performing 19,786,898.81  
  TLP, gross  10,888,911,488.11  
  Total ROPA 127,069,806.08  
  (1) ROPA, gross 114,121,002.24  
  (2) Performing SCR 12,948,803.83  
  LIQUIDITY RATIOS  
  (1) Cash and Due from Banks to Deposits 20.57  
  Cash and Due from Banks   2,813,221,485.07  
  Deposits 13,677,621,239.46  
  (2) Liquid Assets to Deposits Ratio 47.52  
  Liquid Assets, sum of: 6,499,187,358.69  
  (1) Cash and Due from Banks 2,813,221,485.07  
  (2) Financial Assets, net (excl. equity investments) 3,685,965,873.63  
  Deposits 13,677,621,239.46  
  (3) Loans (gross) to Deposits 79.61  
  Loans (gross) 10,888,911,488.11  
  Deposits 13,677,621,239.46  
  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  
  Total Capital Accounts to Total Assets 12.76  
       
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 31 March 2020