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43 Selected Performance Indicators |
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### |
Thrift Bank Group |
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as of end of periods
indicated |
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amounts in thousand Pesos,
ratios in percent (%) |
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Selected Accounts |
Jan-24 |
Feb-24 |
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ASSET QUALITY RATIOS: |
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past_due_ratio |
Past Due Ratio |
9.82 |
9.54 |
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past_due_loans_web |
Past Due Loans |
68,954,228.03 |
69,809,968.81 |
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tlp_gross |
Total Loan Portfolio (TLP),
gross |
702,513,000.91 |
731,401,942.39 |
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restruct_loans_to_tlp_gross |
RL to TLP |
1.52 |
1.53 |
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restruct_loans_total |
Restructured Loans (RL),
gross |
10,665,826.90 |
11,206,445.14 |
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tlp_gross |
TLP, gross |
702,513,000.91 |
731,401,942.39 |
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tlp_acl_to_tlp_gross |
Loan Loss Reserves (LLR) to
TLP |
4.48 |
4.36 |
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tlp_acl |
Allowance for Credit Losses
(ACL) - TLP |
31,503,992.96 |
31,871,676.60 |
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tlp_gross |
TLP, gross |
702,513,000.91 |
731,401,942.39 |
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npl_gross_to_tlp_gross |
Gross NPL Ratio |
6.87 |
6.73 |
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npl_gross |
Gross Non-Performing Loans
(NPL) |
48,296,643.48 |
49,242,375.65 |
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tlp_gross |
TLP, gross |
702,513,000.91 |
731,401,942.39 |
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npl_net_ibl_to_tlp_exc_ibl |
Gross NPL Ratio, net of IBL |
6.88 |
6.75 |
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npl_gross_net_ibl |
Gross NPL, net of NP IBL |
48,296,643.45 |
49,242,375.62 |
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npl_gross |
(1) Gross NPL |
48,296,643.48 |
49,242,375.65 |
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npl_ibl |
(2) Non-performing IBL |
0.03 |
0.03 |
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tlp_gross_exc_ibl |
TLP, gross net of IBL |
701,586,686.00 |
730,013,698.74 |
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tlp_gross |
(1) TLP, gross |
702,513,000.91 |
731,401,942.39 |
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ibl |
(2) Interbank Loans
Receivables (IBL) |
926,314.91 |
1,388,243.65 |
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npl_net_spec_acl_to_tlp_gross |
Net NPL Ratio1/ |
3.81 |
3.76 |
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npl_net_spec_acl |
NPL, net of Specific ACL1/ |
26,758,700.53 |
27,499,141.84 |
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npl_gross |
(1) Gross NPL |
48,296,643.48 |
49,242,375.65 |
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spec_acl_npl |
(2) Specific ACL |
21,537,942.94 |
21,743,233.81 |
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tlp_gross |
TLP, gross |
702,513,000.91 |
731,401,942.39 |
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npl_coverage_ratio |
NPL Coverage Ratio |
65.23 |
64.72 |
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tlp_acl |
ACL - TLP |
31,503,992.96 |
31,871,676.60 |
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npl_gross |
Gross NPL |
48,296,643.48 |
49,242,375.65 |
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npl_coverage_net_gllp_ratio |
NPL Coverage Ratio, excl.
GLLP |
50.59 |
50.45 |
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spec_acl_tlp |
Spec. ACL - TLP |
24,432,489.38 |
24,842,782.28 |
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npl_gross |
Gross NPL |
48,296,643.48 |
49,242,375.65 |
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npa_to_gross_assets |
NPA to Gross Assets |
6.51 |
6.56 |
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npa |
Non-Performing Assets (NPA) |
68,511,790.99 |
69,454,481.06 |
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npl_gross |
(1) Gross NPL |
48,296,643.48 |
49,242,375.65 |
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ropa_gross_np_scr |
(2) ROPA, gross |
20,215,147.51 |
20,212,105.41 |
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ropa |
(a) Real and Other
Properties Acquired (ROPA) |
18,598,736.50 |
18,501,683.21 |
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ncahs_gross |
(b) Non-Current Assets
Held for Sale |
1,016,688.16 |
1,111,156.59 |
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scr_nonperforming |
(c) Non-Performing Sales
Contract Receivables (SCR) |
599,722.85 |
599,265.62 |
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gross_assets_web |
Gross Assets |
1,052,334,643.84 |
1,059,069,027.62 |
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total_assets_web |
(1) Total Assets |
1,016,352,687.84 |
1,022,765,351.97 |
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npa_allowance |
(2) Allowance on NPA |
35,981,956.00 |
36,303,675.64 |
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npa_coverage_ratio |
NPA Coverage Ratio |
52.52 |
52.27 |
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npa_allowance |
Allowance on NPA |
35,981,956.00 |
36,303,675.64 |
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npa |
NPA |
68,511,790.99 |
69,454,481.06 |
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distressed_assets_ratio |
Distressed Assets Ratio |
10.44 |
10.17 |
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distressed_assets |
Distressed Assets |
75,698,995.34 |
76,650,830.96 |
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npa |
NPA |
68,511,790.99 |
69,454,481.06 |
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restruct_loans_perf |
RL, Performing |
7,187,204.36 |
7,196,349.90 |
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tlp_gross |
TLP, gross |
702,513,000.91 |
731,401,942.39 |
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ropa_gross |
Total ROPA |
22,543,139.26 |
22,530,193.33 |
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ropa_gross_np_scr |
(1) ROPA, gross |
20,215,147.51 |
20,212,105.41 |
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scr_performing |
(2) Performing SCR |
2,327,991.75 |
2,318,087.91 |
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LIQUIDITY RATIOS |
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cash_due_from_b_to_deposits |
(1) Cash and Due from Banks
to Deposits |
15.70 |
12.99 |
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cash_due_from_b_cb |
Cash and Due from
Banks |
120,504,614.52 |
100,632,613.12 |
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deposit_liab |
Deposits |
767,317,604.25 |
774,824,864.54 |
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liquid_assets_to_deposits |
(2) Liquid Assets to
Deposits Ratio |
35.70 |
32.44 |
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liquid_assets |
Liquid Assets, sum of: |
273,903,835.54 |
251,352,982.90 |
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cash_due_from_b_cb |
(1) Cash and Due from
Banks |
120,504,614.52 |
100,632,613.12 |
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fin_asst_net_equity |
(2) Financial Assets, net
(excl. equity investments) |
153,399,221.03 |
150,720,369.78 |
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deposit_liab |
Deposits |
767,317,604.25 |
774,824,864.54 |
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loans_to_deposit |
(3) Loans (gross) to
Deposits |
91.55 |
94.40 |
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tlp_gross |
Loans (gross) |
702,513,000.91 |
731,401,942.39 |
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deposit_liab |
Deposits |
767,317,604.25 |
774,824,864.54 |
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SELECTED PROFITABILITY
RATIOS |
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roa |
(1) Return on Assets (ROA) |
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net_profit_loss_annualized |
Annualized Net Profit or
Loss |
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total_assets_web_averaged |
Average Assets |
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total_assets_web_sply |
Total Assets (last year) |
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total_assets_web |
Total Assets (current year) |
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roe |
(2) Return on Equity (ROE) |
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net_profit_loss_annualized |
Annualized Net Profit or
Loss |
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total_equity_web_averaged |
Average Capital |
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total_equity_web_sply |
Total Capital (last year) |
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total_equity_web |
Total Capital (current
year) |
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earning_asset_yield |
(3) Earning Asset Yield |
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interest_income_annualized |
Annualized Interest Income |
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earning_assets_averaged |
Average Earning Assets |
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earning_assets_sply |
Earning Assets (last year) |
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earning_assets |
Earning Assets (current
year) |
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funding_cost |
(4) Funding Cost |
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interest_expense_annualized |
Annualized Interest
Expense |
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int_bear_liab_averaged |
Average Interest Bearing
Liabilities |
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int_bear_liab_sply |
Interest Bearing
Liabilities (last year) |
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int_bear_liab |
Interest Bearing
Liabilities (current year) |
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interest_spread |
(5) Interest Spread |
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earning_asset_yield |
(3) Earning Asset Yield |
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funding_cost |
(4) Funding Cost |
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net_interest_margin |
(6) Net Interest Margin |
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net_interest_income_annualized |
Annualized Net Interest
Income |
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earning_assets_averaged |
Average Earning Assets |
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cost_to_income_ratio |
(7) Cost to Income Ratio |
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non_interest_expense_annualized |
Annualized Non-Interest
Expenses |
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operating_income_annualized |
Annualized Total Operating
Income |
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net_int_inc_to_operating_income |
(8) Net Interest Income to
Total Operating Income |
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net_interest_income_annualized |
Annualized Net Interest
Income |
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operating_income_annualized |
Annualized Total Operating
Income |
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non_int_inc_to_operating_income |
(9) Non-interest Income to
Total Operating Income |
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non_interest_income_annualized |
Annualized Non-Interest
Income |
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operating_income_annualized |
Annualized Total Operating
Income |
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CAPITAL ADEQUACY |
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Capital Adequacy Ratio -
Solo |
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capital_to_assets_web |
Total Capital Accounts to
Total Assets |
15.13 |
15.13 |
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1/ Starting September 2017, Net NPLs refer to gross NPLs
less specific allowance for credit losses on NPLs per BSP Circular No. 941 |
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/r Revised |
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Source : Department of Supervisory Analytics,
Financial Supervision Sector, Bangko Sentral ng Pilipinas |
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Updated as of 3 April 2024 |
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