7 Selected Performance Indicators              
                 
                 
  Philippine Banking System              
  as of end of periods indicated              
  amounts in thousand Pesos, ratios in percent (%)              
                 
   
  Selected Accounts Jan-19 Feb-19 Mar-19 Apr-19 May-19 Jun-19 p  
   
  ASSET QUALITY RATIOS:   
  Past Due Ratio 2.83 2.93 2.90 2.89 2.97 2.89  
  Past Due Loans 280,391,058.54 290,532,992.97 289,436,816.59 293,633,978.43 299,156,292.14 297,032,384.92  
  Total Loan Portfolio (TLP), gross  9,919,278,725.42 9,904,903,071.34 9,989,162,993.22 10,176,879,586.65 10,083,623,709.53 10,284,578,814.37  
  RL to TLP 0.39 0.41 0.42 0.39 0.38 0.37  
  Restructured Loans (RL), gross 38,986,823.08 40,126,780.76 41,597,509.05 39,517,639.30 38,420,254.97 38,404,017.92  
  TLP, gross  9,919,278,725.42 9,904,903,071.34 9,989,162,993.22 10,176,879,586.65 10,083,623,709.53 10,284,578,814.37  
  Loan Loss Reserves (LLR) to TLP 1.93 1.95 1.97 1.94 1.98 1.96  
  Allowance for Credit Losses (ACL) - TLP 191,216,133.23 193,636,261.73 196,973,798.44 197,170,458.33 199,991,514.03 201,470,841.97  
  TLP, gross  9,919,278,725.42 9,904,903,071.34 9,989,162,993.22 10,176,879,586.65 10,083,623,709.53 10,284,578,814.37  
  Gross NPL Ratio 1.99 2.11 2.06 2.10 2.17 2.10  
  Gross Non-Performing Loans (NPL) 197,230,806.81 209,095,785.54 205,858,321.58 213,515,192.41 218,885,475.01 215,816,317.41  
  TLP, gross  9,919,278,725.42 9,904,903,071.34 9,989,162,993.22 10,176,879,586.65 10,083,623,709.53 10,284,578,814.37  
  Gross NPL Ratio, net of IBL 2.03 2.16 2.11 2.15 2.22 2.15  
  Gross NPL, net of NP IBL 196,454,719.29 208,318,782.40 205,057,596.21 212,695,468.06 218,114,593.50 215,047,464.70  
  (1) Gross NPL 197,230,806.81 209,095,785.54 205,858,321.58 213,515,192.41 218,885,475.01 215,816,317.41  
  (2) Non-performing IBL 776,087.52 777,003.14 800,725.38 819,724.35 770,881.50 768,852.71  
  TLP, gross net of IBL 9,678,039,195.64 9,643,066,671.49 9,730,556,004.38 9,882,416,393.98 9,808,730,361.40 10,001,267,157.57  
  (1) TLP, gross 9,919,278,725.42 9,904,903,071.34 9,989,162,993.22 10,176,879,586.65 10,083,623,709.53 10,284,578,814.37  
  (2) Interbank Loans Receivables (IBL) 241,239,529.78 261,836,399.85 258,606,988.84 294,463,192.67 274,893,348.12 283,311,656.80  
  Net NPL Ratio1/ 1.05 1.16 1.07 1.12 1.17 1.13  
  NPL, net of Specific ACL1/ 104,096,303.76 114,936,847.43 106,744,553.49 114,246,690.52 117,882,757.60 116,074,042.39  
  (1) Gross NPL 197,230,806.81 209,095,785.54 205,858,321.58 213,515,192.41 218,885,475.01 215,816,317.41  
  (2) Specific ACL 93,134,503.05 94,158,938.10 99,113,768.09 99,268,501.89 101,002,717.40 99,742,275.03  
  TLP, gross  9,919,278,725.42 9,904,903,071.34 9,989,162,993.22 10,176,879,586.65 10,083,623,709.53 10,284,578,814.37  
  NPL Coverage Ratio 96.95 92.61 95.68 92.34 91.37 93.35  
  ACL - TLP 191,216,133.23 193,636,261.73 196,973,798.44 197,170,458.33 199,991,514.03 201,470,841.97  
  Gross NPL 197,230,806.81 209,095,785.54 205,858,321.58 213,515,192.41 218,885,475.01 215,816,317.41  
  NPA to Gross Assets  1.81 1.87 1.82 1.86 1.88 1.85  
  Non-Performing Assets (NPA) 305,089,943.46 316,745,929.32 314,030,990.61 322,047,718.25 325,881,649.08 324,009,315.25  
  (1) Gross NPL 197,230,806.81 209,095,785.54 205,858,321.58 213,515,192.41 218,885,475.01 215,816,317.41  
  (2) ROPA, gross 107,859,136.64 107,650,143.79 108,172,669.03 108,532,525.84 106,996,174.07 108,192,997.84  
  (a) Real and Other Properties Acquired (ROPA) 98,221,525.35 98,109,453.22 98,737,255.33 98,859,892.25 97,429,976.77 97,947,675.12  
  (b) Non-Current Assets Held for Sale 4,760,267.79 4,762,274.93 4,708,429.46 4,776,985.45 4,680,947.29 4,558,744.97  
  (c) Non-Performing Sales Contract Receivables (SCR) 4,877,343.50 4,778,415.63 4,726,984.24 4,895,648.14 4,885,250.01 5,686,577.75  
  Gross Assets 16,818,414,643.46 16,905,193,721.32 17,244,798,487.19 17,308,622,068.06 17,328,139,640.36 17,473,752,836.15  
  (1) Total Assets 16,598,844,588.12 16,682,621,840.34 17,018,670,768.45 17,082,228,236.36 17,098,841,211.75 17,242,924,056.11  
  (2) Allowance on NPA 219,570,055.34 222,571,880.98 226,127,718.73 226,393,831.69 229,298,428.61 230,828,780.04  
  NPA Coverage Ratio 71.97 70.27 72.01 70.30 70.36 71.24  
  Allowance on NPA 219,570,055.34 222,571,880.98 226,127,718.73 226,393,831.69 229,298,428.61 230,828,780.04  
  NPA 305,089,943.46 316,745,929.32 314,030,990.61 322,047,718.25 325,881,649.08 324,009,315.25  
  Distressed Assets Ratio 3.21 3.35 3.29 3.29 3.35 3.28  
  Distressed Assets 322,878,829.02 335,675,129.59 332,669,466.13 339,245,553.18 342,335,353.12 341,152,587.12  
  NPA 305,089,943.46 316,745,929.32 314,030,990.61 322,047,718.25 325,881,649.08 324,009,315.25  
  RL, Performing 17,788,885.56 18,929,200.26 18,638,475.53 17,197,834.93 16,453,704.04 17,143,271.87  
  TLP, gross  9,919,278,725.42 9,904,903,071.34 9,989,162,993.22 10,176,879,586.65 10,083,623,709.53 10,284,578,814.37  
  Total ROPA 126,141,649.09 125,737,890.61 122,544,131.43 122,558,938.23 120,923,219.72 121,124,892.10  
  (1) ROPA, gross 107,859,136.64 107,650,143.79 108,172,669.03 108,532,525.84 106,996,174.07 108,192,997.84  
  (2) Performing SCR 18,282,512.45 18,087,746.82 14,371,462.41 14,026,412.39 13,927,045.64 12,931,894.26  
  LIQUIDITY RATIOS  
  (1) Cash and Due from Banks to Deposits 18.85 19.54 19.78 18.58 18.81 18.35  
  Cash and Due from Banks   2,365,123,810.61 2,458,597,141.86 2,511,392,908.42 2,366,604,333.26 2,405,585,608.04 2,359,116,016.85  
  Deposits 12,548,438,371.27 12,582,065,728.88 12,695,319,542.27 12,738,216,282.18 12,790,476,616.46 12,853,653,119.74  
  (2) Liquid Assets to Deposits Ratio 46.81 47.55 48.99 47.91 48.34 47.63  
  Liquid Assets, sum of: 5,874,328,851.95 5,982,707,745.62 6,219,169,375.99 6,102,904,945.02 6,182,642,684.28 6,121,987,065.92  
  (1) Cash and Due from Banks 2,365,123,810.61 2,458,597,141.86 2,511,392,908.42 2,366,604,333.26 2,405,585,608.04 2,359,116,016.85  
  (2) Financial Assets, net (excl. equity investments) 3,509,205,041.34 3,524,110,603.76 3,707,776,467.57 3,736,300,611.76 3,777,057,076.24 3,762,871,049.07  
  Deposits 12,548,438,371.27 12,582,065,728.88 12,695,319,542.27 12,738,216,282.18 12,790,476,616.46 12,853,653,119.74  
  (3) Loans (gross) to Deposits 79.05 78.72 78.68 79.89 78.84 80.01  
  Loans (gross) 9,919,278,725.42 9,904,903,071.34 9,989,162,993.22 10,176,879,586.65 10,083,623,709.53 10,284,578,814.37  
  Deposits 12,548,438,371.27 12,582,065,728.88 12,695,319,542.27 12,738,216,282.18 12,790,476,616.46 12,853,653,119.74  
  SELECTED PROFITABILITY RATIOS  
  (1)  Return on Assets (ROA) 1.17 1.24  
  Annualized Net Profit or Loss  189,883,304.87 203,491,040.29  
  Average Assets 16,176,056,208.62 16,473,654,330.97  
  Total Assets (last year) 15,333,441,648.79 15,704,384,605.83  
  Total Assets (current year) 17,018,670,768.45 17,242,924,056.11  
  (2) Return on Equity (ROE) 9.64 9.83  
  Annualized Net Profit or Loss  189,883,304.87 203,491,040.29  
  Average Capital 1,970,255,576.28 2,069,308,537.40  
  Total Capital (last year) 1,797,239,127.18 1,939,352,386.08  
  Total Capital (current year) 2,143,272,025.37 2,199,264,688.72  
  (3) Earning Asset Yield 5.05 5.31  
  Annualized Interest Income 764,818,655.59 817,686,736.04  
  Average Earning Assets 15,134,541,681.12 15,404,787,761.40  
  Earning Assets (last year) 14,344,147,391.77 14,713,351,349.57  
  Earning Assets (current year) 15,924,935,970.48 16,096,224,173.23  
  (4) Funding Cost 1.67 1.89  
  Annualized Interest Expense 225,568,529.85 259,042,767.62  
  Average Interest Bearing Liabilities 13,513,895,634.84 13,710,263,323.71  
  Interest Bearing Liabilities (last year) 12,886,632,937.50 13,106,390,367.66  
  Interest Bearing Liabilities (current year) 14,141,158,332.19 14,314,136,279.76  
  (5) Interest Spread 3.38 3.42  
  (3) Earning Asset Yield 5.05 5.31  
  (4) Funding Cost 1.67 1.89  
  (6) Net Interest Margin 3.55 3.62  
  Annualized Net Interest Income 537,935,383.95 558,178,604.61  
  Average Earning Assets 15,134,541,681.12 15,404,787,761.40  
  (7) Cost to Income Ratio 63.92 62.91  
  Annualized Non-Interest Expenses 443,198,729.82 453,028,744.13  
  Annualized Total Operating Income 693,395,542.19 720,172,693.19  
  (8) Net Interest Income to Total Operating Income 77.58 77.51  
  Annualized Net Interest Income  537,935,383.95 558,178,604.61  
  Annualized Total Operating Income 693,395,542.19 720,172,693.19  
  (9) Non-interest Income to Total Operating Income 22.42 22.49  
  Annualized Non-Interest Income 155,460,158.24 161,994,088.58  
  Annualized Total Operating Income 693,395,542.19 720,172,693.19  
  CAPITAL ADEQUACY  
  Capital Adequacy Ratio - Solo 15.31  
  Total Capital Accounts to Total Assets 12.68 12.66 12.59 12.63 12.69 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
/pPreliminary
Source : Supervisory Data Center, Financial Supervision Sector, Bangko Sentral ng Pilipinas
Updated as of 7 August 2019