52 Selected Performance Indicators
###	Rural and Cooperative Bank Group
	as of end of periods indicated
	amounts in thousand Pesos, ratios in percent (%)
			/r	/r	/r
	Selected Accounts	Mar-23	Jun-23	Sep-23	Dec-23
	ASSET QUALITY RATIOS:
past_due_ratio	Past Due Ratio	11.14	10.69	10.28	9.77
past_due_loans_web	Past Due Loans	24,301,319.77	24,524,111.13	24,706,709.01	24,803,552.20
tlp_gross	Total Loan Portfolio (TLP), gross	218,154,474.59	229,463,313.80	240,384,760.43	253,928,565.89
restruct_loans_to_tlp_gross	RL to TLP	2.31	2.43	2.29	2.04
restruct_loans_total	Restructured Loans (RL), gross	5,039,885.44	5,571,444.03	5,496,201.98	5,169,003.11
tlp_gross	TLP, gross	218,154,474.59	229,463,313.80	240,384,760.43	253,928,565.89
tlp_acl_to_tlp_gross	Loan Loss Reserves (LLR) to TLP	6.57	6.47	6.31	5.95
tlp_acl	Allowance for Credit Losses (ACL) - TLP	14,343,066.19	14,843,744.09	15,169,031.84	15,103,428.35
tlp_gross	TLP, gross	218,154,474.59	229,463,313.80	240,384,760.43	253,928,565.89
npl_gross_to_tlp_gross	Gross NPL Ratio	8.36	8.27	7.90	7.29
npl_gross	Gross Non-Performing Loans (NPL)	18,229,944.43	18,979,092.32	18,998,491.01	18,504,990.08
tlp_gross	TLP, gross	218,154,474.59	229,463,313.80	240,384,760.43	253,928,565.89
npl_net_ibl_to_tlp_exc_ibl	Gross NPL Ratio, net of IBL	8.36	8.27	7.90	7.29
npl_gross_net_ibl	Gross NPL, net of NP IBL	18,229,944.43	18,979,092.32	18,998,491.01	18,504,989.98
npl_gross	(1) Gross NPL	18,229,944.43	18,979,092.32	18,998,491.01	18,504,990.08
npl_ibl	(2) Non-performing IBL	0.00	0.00	0.00	0.10
tlp_gross_exc_ibl	TLP, gross net of IBL	218,154,474.59	229,463,313.80	240,384,760.43	253,928,565.89
tlp_gross	(1) TLP, gross	218,154,474.59	229,463,313.80	240,384,760.43	253,928,565.89
ibl	(2) Interbank Loans Receivables (IBL)	0.00	0.00	0.00	0.00
npl_net_spec_acl_to_tlp_gross	Net NPL Ratio1/	3.54	3.54	3.33	2.96
npl_net_spec_acl	NPL, net of Specific ACL1/	7,719,503.76	8,112,732.93	8,004,928.70	7,513,608.00
npl_gross	(1) Gross NPL	18,229,944.43	18,979,092.32	18,998,491.01	18,504,990.08
spec_acl_npl	(2) Specific ACL	10,510,440.66	10,866,359.40	10,993,562.31	10,991,382.08
tlp_gross	TLP, gross	218,154,474.59	229,463,313.80	240,384,760.43	253,928,565.89
npl_coverage_ratio	NPL Coverage Ratio	78.68	78.21	79.84	81.62
tlp_acl	ACL - TLP	14,343,066.19	14,843,744.09	15,169,031.84	15,103,428.35
npl_gross	Gross NPL	18,229,944.43	18,979,092.32	18,998,491.01	18,504,990.08
npl_coverage_net_gllp_ratio	NPL Coverage Ratio, excl. GLLP	66.96	65.91	67.28	68.19
spec_acl_tlp	Spec. ACL - TLP	12,207,666.71	12,508,634.10	12,781,667.00	12,618,471.76
npl_gross	Gross NPL	18,229,944.43	18,979,092.32	18,998,491.01	18,504,990.08
npa_to_gross_assets	NPA to Gross Assets	7.23	7.19	7.02	6.73
npa	Non-Performing Assets (NPA)	27,704,447.34	28,876,814.06	28,932,626.61	28,981,653.63
npl_gross	(1) Gross NPL	18,229,944.43	18,979,092.32	18,998,491.01	18,504,990.08
ropa_gross_np_scr	(2) ROPA, gross	9,474,502.92	9,897,721.73	9,934,135.60	10,476,663.55
ropa	(a) Real and Other Properties Acquired (ROPA)	8,423,605.54	8,749,003.55	8,804,950.93	9,192,409.22
ncahs_gross	(b) Non-Current Assets Held for Sale	115,599.92	377,144.30	377,120.77	363,234.15
scr_nonperforming	(c) Non-Performing Sales Contract Receivables (SCR)	935,297.46	771,573.88	752,063.90	921,020.18
gross_assets_web	Gross Assets	382,942,972.02	401,836,040.58	411,951,951.94	430,698,030.58
total_assets_web	(1) Total Assets	367,304,191.49	385,675,918.96	395,521,998.59	414,277,484.48
npa_allowance	(2) Allowance on NPA	15,638,780.53	16,160,121.61	16,429,953.35	16,420,546.10
npa_coverage_ratio	NPA Coverage Ratio	56.45	55.96	56.79	56.66
npa_allowance	Allowance on NPA	15,638,780.53	16,160,121.61	16,429,953.35	16,420,546.10
npa	NPA	27,704,447.34	28,876,814.06	28,932,626.61	28,981,653.63
distressed_assets_ratio	Distressed Assets Ratio	13.29	13.16	12.62	11.88
distressed_assets	Distressed Assets	30,475,177.12	31,760,979.65	31,858,896.41	31,646,138.31
npa	NPA	27,704,447.34	28,876,814.06	28,932,626.61	28,981,653.63
restruct_loans_perf	RL, Performing	2,770,729.77	2,884,165.59	2,926,269.80	2,664,484.68
tlp_gross	TLP, gross	218,154,474.59	229,463,313.80	240,384,760.43	253,928,565.89
ropa_gross	Total ROPA	11,160,430.09	11,907,691.29	12,035,792.80	12,458,419.91
ropa_gross_np_scr	(1) ROPA, gross	9,474,502.92	9,897,721.73	9,934,135.60	10,476,663.55
scr_performing	(2) Performing SCR	1,685,927.17	2,009,969.55	2,101,657.20	1,981,756.36
	LIQUIDITY RATIOS
cash_due_from_b_to_deposits	(1) Cash and Due from Banks to Deposits	26.52	25.70	25.69	26.13
cash_due_from_b_cb	Cash and Due from Banks	69,825,718.25	71,949,528.37	72,774,687.74	76,358,002.56
deposit_liab	Deposits	263,248,345.92	279,940,442.52	283,232,052.22	292,239,565.08
liquid_assets_to_deposits	(2) Liquid Assets to Deposits Ratio	49.73	48.87	47.62	47.19
liquid_assets	Liquid Assets, sum of:	130,901,443.80	136,807,473.74	134,878,436.80	137,900,103.26
cash_due_from_b_cb	(1) Cash and Due from Banks	69,825,718.25	71,949,528.37	72,774,687.74	76,358,002.56
fin_asst_net_equity	(2) Financial Assets, net (excl. equity investments)	61,075,725.55	64,857,945.37	62,103,749.06	61,542,100.69
deposit_liab	Deposits	263,248,345.92	279,940,442.52	283,232,052.22	292,239,565.08
loans_to_deposit	(3) Loans (gross) to Deposits	82.87	81.97	84.87	86.89
tlp_gross	Loans (gross)	218,154,474.59	229,463,313.80	240,384,760.43	253,928,565.89
deposit_liab	Deposits	263,248,345.92	279,940,442.52	283,232,052.22	292,239,565.08
	SELECTED PROFITABILITY RATIOS
roa	(1)  Return on Assets (ROA)	1.98	1.99	2.03	2.20
net_profit_loss_annualized	Annualized Net Profit or Loss	6,902,747.45	7,276,520.67	7,671,558.79	8,636,909.77
total_assets_web_averaged	Average Assets	348,136,435.10	365,532,731.72	377,440,311.73	393,410,688.42
total_assets_web_sply	Total Assets (last year)	328,968,678.71	345,389,544.47	359,358,624.87	372,543,892.37
total_assets_web	Total Assets (current year)	367,304,191.49	385,675,918.96	395,521,998.59	414,277,484.48
roe	(2) Return on Equity (ROE)	10.67	10.90	11.04	11.83
net_profit_loss_annualized	Annualized Net Profit or Loss	6,902,747.45	7,276,520.67	7,671,558.79	8,636,909.77
total_equity_web_averaged	Average Capital	64,702,470.12	66,767,889.94	69,465,306.39	73,035,618.75
total_equity_web_sply	Total Capital (last year)	61,061,168.55	61,286,418.70	65,399,979.55	69,823,969.11
total_equity_web	Total Capital (current year)	68,343,771.69	72,249,361.19	73,530,633.23	76,247,268.39
earning_asset_yield	(3) Earning Asset Yield	11.86	11.87	11.98	12.12
interest_income_annualized	Annualized Interest Income	38,520,043.07	40,454,459.60	42,251,783.65	44,323,428.06
earning_assets_averaged	Average Earning Assets	324,902,642.50	340,818,392.26	352,545,633.61	365,793,505.66
earning_assets_sply	Earning Assets (last year)	307,038,792.69	322,764,290.05	336,153,045.75	347,410,903.55
earning_assets	Earning Assets (current year)	342,766,492.32	358,872,494.47	368,938,221.48	384,176,107.78
funding_cost	(4) Funding Cost	2.09	2.28	2.42	2.48
interest_expense_annualized	Annualized Interest Expense	5,632,329.85	6,454,819.45	7,086,092.46	7,555,895.34
int_bear_liab_averaged	Average Interest Bearing Liabilities	269,774,071.46	283,611,265.83	292,412,425.48	305,156,599.24
int_bear_liab_sply	Interest Bearing Liabilities (last year)	255,215,040.98	268,883,389.56	279,834,418.63	289,302,136.59
int_bear_liab	Interest Bearing Liabilities (current year)	284,333,101.93	298,339,142.11	304,990,432.33	321,011,061.89
interest_spread	(5) Interest Spread	9.77	9.59	9.56	9.64
earning_asset_yield	(3) Earning Asset Yield	11.86	11.87	11.98	12.12
funding_cost	(4) Funding Cost	2.09	2.28	2.42	2.48
net_interest_margin	(6) Net Interest Margin	10.11	9.96	9.95	10.02
net_interest_income_annualized	Annualized Net Interest Income	32,837,290.53	33,955,217.35	35,074,880.45	36,657,772.42
earning_assets_averaged	Average Earning Assets	324,902,642.50	340,818,392.26	352,545,633.61	365,793,505.66
cost_to_income_ratio	(7) Cost to Income Ratio	72.35	72.14	71.23	69.36
non_interest_expense_annualized	Annualized Non-Interest Expenses	30,783,400.30	31,532,834.26	32,044,592.95	32,545,780.43
operating_income_annualized	Annualized Total Operating Income	42,549,444.54	43,711,131.53	44,987,474.50	46,923,101.99
net_int_inc_to_operating_income	(8) Net Interest Income to Total Operating Income	77.17	77.68	77.97	78.12
net_interest_income_annualized	Annualized Net Interest Income	32,837,290.53	33,955,217.35	35,074,880.45	36,657,772.42
operating_income_annualized	Annualized Total Operating Income	42,549,444.54	43,711,131.53	44,987,474.50	46,923,101.99
non_int_inc_to_operating_income	(9) Non-interest Income to Total Operating Income	22.83	22.32	22.03	21.88
non_interest_income_annualized	Annualized Non-Interest Income	9,712,154.00	9,755,914.18	9,912,594.04	10,265,329.57
operating_income_annualized	Annualized Total Operating Income	42,549,444.54	43,711,131.53	44,987,474.50	46,923,101.99
	CAPITAL ADEQUACY
	Capital Adequacy Ratio - Solo	18.96	19.34	19.13	18.81
capital_to_assets_web	Total Capital Accounts to Total Assets	18.68	18.81	18.66	18.47
	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