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