7 Selected Performance Indicators            
               
               
  Philippine Banking System            
  as of end of periods indicated            
  amounts in thousand Pesos, ratios in percent (%)            
               
   
  Selected Accounts Jan-20 Feb-20 Mar-20/P Apr-20/P May-20/P  
   
  ASSET QUALITY RATIOS:   
  Past Due Ratio 2.94 2.95 3.09 3.79 5.23  
  Past Due Loans 319,643,450.20 321,864,122.77 342,945,108.84 415,739,093.72 566,152,139.50  
  Total Loan Portfolio (TLP), gross  10,888,911,488.11 10,910,915,660.40 11,092,861,480.16 10,971,157,095.65 10,816,386,801.12  
  RL to TLP 0.41 0.41 0.42 0.43 0.45  
  Restructured Loans (RL), gross 44,697,764.58 45,046,927.93 46,828,877.34 47,384,700.33 48,196,885.43  
  TLP, gross  10,888,911,488.11 10,910,915,660.40 11,092,861,480.16 10,971,157,095.65 10,816,386,801.12  
  Loan Loss Reserves (LLR) to TLP 1.98 2.01 2.05 2.17 2.34  
  Allowance for Credit Losses (ACL) - TLP 215,204,489.43 218,785,437.94 227,600,927.40 238,182,512.92 253,399,823.38  
  TLP, gross  10,888,911,488.11 10,910,915,660.40 11,092,861,480.16 10,971,157,095.65 10,816,386,801.12  
  Gross NPL Ratio 2.16 2.20 2.24 2.31 2.43  
  Gross Non-Performing Loans (NPL) 234,987,711.10 239,919,289.34 248,987,248.62 253,018,199.54 262,682,854.86  
  TLP, gross  10,888,911,488.11 10,910,915,660.40 11,092,861,480.16 10,971,157,095.65 10,816,386,801.12  
  Gross NPL Ratio, net of IBL 2.21 2.26 2.30 2.37 2.49  
  Gross NPL, net of NP IBL 234,359,961.51 239,433,086.92 248,326,719.43 252,374,525.37 262,055,396.93  
  (1) Gross NPL 234,987,711.10 239,919,289.34 248,987,248.62 253,018,199.54 262,682,854.86  
  (2) Non-performing IBL 627,749.59 486,202.41 660,529.19 643,674.17 627,457.93  
  TLP, gross net of IBL 10,600,702,490.44 10,603,895,897.43 10,785,757,414.56 10,667,182,367.95 10,536,236,905.14  
  (1) TLP, gross 10,888,911,488.11 10,910,915,660.40 11,092,861,480.16 10,971,157,095.65 10,816,386,801.12  
  (2) Interbank Loans Receivables (IBL) 288,208,997.67 307,019,762.97 307,104,065.60 303,974,727.70 280,149,895.99  
  Net NPL Ratio1/ 1.14 1.17 1.19 1.21 1.26  
  NPL, net of Specific ACL1/ 124,152,474.08 127,439,129.59 131,995,370.98 133,281,792.98 136,401,826.65  
  (1) Gross NPL 234,987,711.10 239,919,289.34 248,987,248.62 253,018,199.54 262,682,854.86  
  (2) Specific ACL 110,835,237.02 112,480,159.75 116,991,877.65 119,736,406.56 126,281,028.22  
  TLP, gross  10,888,911,488.11 10,910,915,660.40 11,092,861,480.16 10,971,157,095.65 10,816,386,801.12  
  NPL Coverage Ratio 91.58 91.19 91.41 94.14 96.47  
  ACL - TLP 215,204,489.43 218,785,437.94 227,600,927.40 238,182,512.92 253,399,823.38  
  Gross NPL 234,987,711.10 239,919,289.34 248,987,248.62 253,018,199.54 262,682,854.86  
  NPL Coverage Ratio, excl. GLLP 59.29 60.16 60.11 62.29 66.89  
  Spec. ACL - TLP 139,318,754.36 144,332,682.17 149,670,540.78 157,594,285.81 175,720,626.38  
  Gross NPL 234,987,711.10 239,919,289.34 248,987,248.62 253,018,199.54 262,682,854.86  
  NPA to Gross Assets  1.90 1.93 1.95 1.94 1.97  
  Non-Performing Assets (NPA) 349,108,713.34 354,408,411.18 363,741,298.16 367,605,157.28 375,369,773.48  
  (1) Gross NPL 234,987,711.10 239,919,289.34 248,987,248.62 253,018,199.54 262,682,854.86  
  (2) ROPA, gross 114,121,002.24 114,489,121.84 114,754,049.54 114,586,957.75 112,686,918.61  
  (a) Real and Other Properties Acquired (ROPA) 102,062,494.37 102,481,562.00 101,858,542.63 101,785,080.50 101,174,833.89  
  (b) Non-Current Assets Held for Sale 7,252,137.35 7,329,285.35 7,251,297.27 7,308,468.86 7,339,181.30  
  (c) Non-Performing Sales Contract Receivables (SCR) 4,806,370.52 4,678,274.48 5,644,209.64 5,493,408.39 4,172,903.42  
  Gross Assets 18,400,457,423.15 18,407,479,065.95 18,662,359,678.95 18,932,916,029.29 19,026,821,280.78  
  (1) Total Assets 18,155,016,400.86 18,157,444,308.44 18,403,561,548.67 18,663,197,290.30 18,741,750,184.87  
  (2) Allowance on NPA 245,441,022.29 250,034,757.51 258,798,130.28 269,718,738.98 285,071,095.91  
  NPA Coverage Ratio 70.31 70.55 71.15 73.37 75.94  
  Allowance on NPA 245,441,022.29 250,034,757.51 258,798,130.28 269,718,738.98 285,071,095.91  
  NPA 349,108,713.34 354,408,411.18 363,741,298.16 367,605,157.28 375,369,773.48  
  Distressed Assets Ratio 3.35 3.39 3.41 3.49 3.63  
  Distressed Assets 368,895,612.15 374,223,031.28 382,919,894.96 387,532,184.51 396,724,894.57  
  NPA 349,108,713.34 354,408,411.18 363,741,298.16 367,605,157.28 375,369,773.48  
  RL, Performing 19,786,898.81 19,814,620.10 19,178,596.81 19,927,027.23 21,355,121.09  
  TLP, gross  10,888,911,488.11 10,910,915,660.40 11,092,861,480.16 10,971,157,095.65 10,816,386,801.12  
  Total ROPA 127,069,806.08 127,463,937.01 126,575,190.52 126,549,921.15 126,106,451.90  
  (1) ROPA, gross 114,121,002.24 114,489,121.84 114,754,049.54 114,586,957.75 112,686,918.61  
  (2) Performing SCR 12,948,803.83 12,974,815.17 11,821,140.98 11,962,963.41 13,419,533.29  
  LIQUIDITY RATIOS  
  (1) Cash and Due from Banks to Deposits 20.57 18.80 19.05 20.96 22.17  
  Cash and Due from Banks   2,813,221,485.07 2,564,402,712.60 2,650,894,707.58 2,970,393,917.22 3,161,467,476.82  
  Deposits 13,677,621,239.46 13,637,071,700.76 13,917,557,035.66 14,171,815,395.46 14,262,884,439.36  
  (2) Liquid Assets to Deposits Ratio 47.52 47.36 46.81 48.60 49.91  
  Liquid Assets, sum of: 6,499,187,358.69 6,459,022,850.12 6,514,830,420.88 6,887,492,081.10 7,118,380,490.16  
  (1) Cash and Due from Banks 2,813,221,485.07 2,564,402,712.60 2,650,894,707.58 2,970,393,917.22 3,161,467,476.82  
  (2) Financial Assets, net (excl. equity investments) 3,685,965,873.63 3,894,620,137.52 3,863,935,713.30 3,917,098,163.88 3,956,913,013.34  
  Deposits 13,677,621,239.46 13,637,071,700.76 13,917,557,035.66 14,171,815,395.46 14,262,884,439.36  
  (3) Loans (gross) to Deposits 79.61 80.01 79.70 77.42 75.84  
  Loans (gross) 10,888,911,488.11 10,910,915,660.40 11,092,861,480.16 10,971,157,095.65 10,816,386,801.12  
  Deposits 13,677,621,239.46 13,637,071,700.76 13,917,557,035.66 14,171,815,395.46 14,262,884,439.36  
  SELECTED PROFITABILITY RATIOS  
  (1)  Return on Assets (ROA) 1.31  
  Annualized Net Profit or Loss  231,820,698.30  
  Average Assets 17,711,116,158.56  
  Total Assets (last year) 17,018,670,768.45  
  Total Assets (current year) 18,403,561,548.67  
  (2) Return on Equity (ROE) 10.43  
  Annualized Net Profit or Loss  231,820,698.30  
  Average Capital 2,222,260,413.22  
  Total Capital (last year) 2,143,272,025.37  
  Total Capital (current year) 2,301,248,801.08  
  (3) Earning Asset Yield 5.41  
  Annualized Interest Income 898,409,511.20  
  Average Earning Assets 16,594,167,943.62  
  Earning Assets (last year) 15,924,935,970.48  
  Earning Assets (current year) 17,263,399,916.76  
  (4) Funding Cost 1.79  
  Annualized Interest Expense 264,004,225.69  
  Average Interest Bearing Liabilities 14,744,912,343.79  
  Interest Bearing Liabilities (last year) 14,141,158,332.19  
  Interest Bearing Liabilities (current year) 15,348,666,355.39  
  (5) Interest Spread 3.62  
  (3) Earning Asset Yield 5.41  
  (4) Funding Cost 1.79  
  (6) Net Interest Margin 3.82  
  Annualized Net Interest Income 633,930,280.61  
  Average Earning Assets 16,594,167,943.62  
  (7) Cost to Income Ratio 59.11  
  Annualized Non-Interest Expenses 492,060,645.33  
  Annualized Total Operating Income 832,435,236.13  
  (8) Net Interest Income to Total Operating Income 76.15  
  Annualized Net Interest Income  633,930,280.61  
  Annualized Total Operating Income 832,435,236.13  
  (9) Non-interest Income to Total Operating Income 23.85  
  Annualized Non-Interest Income 198,504,955.52  
  Annualized Total Operating Income 832,435,236.13  
  CAPITAL ADEQUACY  
  Capital Adequacy Ratio - Solo  
  Total Capital Accounts to Total Assets 12.76 12.85 12.51 12.59 12.62  
               
/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 : Department of Supervisory Analytics, Financial Supervision Sector, Bangko Sentral ng Pilipinas
Updated as of 7 July 2020