43 Selected Performance Indicators          
             
             
  Thrift Bank Group          
  as of end of periods indicated          
  amounts in thousand Pesos, ratios in percent (%)          
             
   
  Selected Accounts Jan-21 Feb-21 Mar-21 Apr-21  
   
  ASSET QUALITY RATIOS:   
  Past Due Ratio 11.59 11.89 11.46 11.36  
  Past Due Loans 90,739,635.32 92,702,985.38 89,692,054.38 87,829,134.33  
  Total Loan Portfolio (TLP), gross  783,005,468.28 779,427,984.10 782,617,563.05 773,437,225.03  
  RL to TLP 1.48 1.48 1.55 1.58  
  Restructured Loans (RL), gross 11,558,456.95 11,510,124.50 12,138,741.46 12,187,428.99  
  TLP, gross  783,005,468.28 779,427,984.10 782,617,563.05 773,437,225.03  
  Loan Loss Reserves (LLR) to TLP 4.16 4.30 4.36 4.54  
  Allowance for Credit Losses (ACL) - TLP 32,596,206.17 33,500,019.39 34,146,520.39 35,145,956.93  
  TLP, gross  783,005,468.28 779,427,984.10 782,617,563.05 773,437,225.03  
  Gross NPL Ratio 8.31 8.28 8.10 8.45  
  Gross Non-Performing Loans (NPL) 65,101,804.09 64,557,884.01 63,414,388.38 65,325,601.20  
  TLP, gross  783,005,468.28 779,427,984.10 782,617,563.05 773,437,225.03  
  Gross NPL Ratio, net of IBL 8.30 8.27 8.09 8.44  
  Gross NPL, net of NP IBL 64,960,524.85 64,416,604.78 63,273,109.14 65,184,321.96  
  (1) Gross NPL 65,101,804.09 64,557,884.01 63,414,388.38 65,325,601.20  
  (2) Non-performing IBL 141,279.24 141,279.24 141,279.24 141,279.24  
  TLP, gross net of IBL 782,248,632.56 778,642,122.92 781,827,927.10 772,643,937.79  
  (1) TLP, gross 783,005,468.28 779,427,984.10 782,617,563.05 773,437,225.03  
  (2) Interbank Loans Receivables (IBL) 756,835.72 785,861.17 789,635.95 793,287.24  
  Net NPL Ratio1/ 5.83 5.85 5.61 5.79  
  NPL, net of Specific ACL1/ 45,680,727.87 45,582,368.09 43,925,001.98 44,769,329.72  
  (1) Gross NPL 65,101,804.09 64,557,884.01 63,414,388.38 65,325,601.20  
  (2) Specific ACL 19,421,076.22 18,975,515.92 19,489,386.40 20,556,271.48  
  TLP, gross  783,005,468.28 779,427,984.10 782,617,563.05 773,437,225.03  
  NPL Coverage Ratio 50.07 51.89 53.85 53.80  
  ACL - TLP 32,596,206.17 33,500,019.39 34,146,520.39 35,145,956.93  
  Gross NPL 65,101,804.09 64,557,884.01 63,414,388.38 65,325,601.20  
  NPL Coverage Ratio, excl. GLLP 37.95 38.99 40.57 40.30  
  Spec. ACL - TLP 24,703,983.76 25,170,216.75 25,726,806.49 26,329,186.84  
  Gross NPL 65,101,804.09 64,557,884.01 63,414,388.38 65,325,601.20  
  NPA to Gross Assets  7.46 7.42 7.34 7.42  
  Non-Performing Assets (NPA) 86,085,351.32 85,609,780.19 84,391,362.45 86,191,888.82  
  (1) Gross NPL 65,101,804.09 64,557,884.01 63,414,388.38 65,325,601.20  
  (2) ROPA, gross 20,983,547.23 21,051,896.18 20,976,974.07 20,866,287.62  
  (a) Real and Other Properties Acquired (ROPA) 17,323,332.75 17,465,509.00 17,672,832.93 17,581,532.22  
  (b) Non-Current Assets Held for Sale 2,443,109.00 2,382,812.79 2,241,769.04 2,311,647.35  
  (c) Non-Performing Sales Contract Receivables (SCR) 1,217,105.48 1,203,574.38 1,062,372.10 973,108.06  
  Gross Assets 1,154,135,987.87 1,153,132,834.26 1,149,786,202.26 1,161,853,607.58  
  (1) Total Assets 1,116,599,984.58 1,114,560,570.90 1,110,665,359.05 1,121,639,162.54  
  (2) Allowance on NPA 37,536,003.29 38,572,263.36 39,120,843.21 40,214,445.04  
  NPA Coverage Ratio 43.60 45.06 46.36 46.66  
  Allowance on NPA 37,536,003.29 38,572,263.36 39,120,843.21 40,214,445.04  
  NPA 86,085,351.32 85,609,780.19 84,391,362.45 86,191,888.82  
  Distressed Assets Ratio 11.67 11.58 11.44 11.80  
  Distressed Assets 94,060,616.59 92,910,481.51 92,161,892.02 93,927,319.05  
  NPA 86,085,351.32 85,609,780.19 84,391,362.45 86,191,888.82  
  RL, Performing 7,975,265.28 7,300,701.32 7,770,529.58 7,735,430.22  
  TLP, gross  783,005,468.28 779,427,984.10 782,617,563.05 773,437,225.03  
  Total ROPA 22,666,978.81 22,673,512.14 22,657,210.35 22,638,991.06  
  (1) ROPA, gross 20,983,547.23 21,051,896.18 20,976,974.07 20,866,287.62  
  (2) Performing SCR 1,683,431.58 1,621,615.96 1,680,236.27 1,772,703.43  
  LIQUIDITY RATIOS  
  (1) Cash and Due from Banks to Deposits 20.45 22.83 20.32 22.61  
  Cash and Due from Banks   175,522,672.12 195,273,943.41 173,448,454.89 195,794,754.02  
  Deposits 858,253,891.88 855,187,191.32 853,699,909.55 866,057,068.30  
  (2) Liquid Assets to Deposits Ratio 33.07 33.41 33.05 35.08  
  Liquid Assets, sum of: 283,840,890.91 285,706,453.95 282,133,262.84 303,782,278.87  
  (1) Cash and Due from Banks 175,522,672.12 195,273,943.41 173,448,454.89 195,794,754.02  
  (2) Financial Assets, net (excl. equity investments) 108,318,218.79 90,432,510.54 108,684,807.95 107,987,524.85  
  Deposits 858,253,891.88 855,187,191.32 853,699,909.55 866,057,068.30  
  (3) Loans (gross) to Deposits 91.23 91.14 91.67 89.31  
  Loans (gross) 783,005,468.28 779,427,984.10 782,617,563.05 773,437,225.03  
  Deposits 858,253,891.88 855,187,191.32 853,699,909.55 866,057,068.30  
  SELECTED PROFITABILITY RATIOS  
  (1)  Return on Assets (ROA) 0.79  
  Annualized Net Profit or Loss  8,701,224.82  
  Average Assets 1,103,232,950.63  
  Total Assets (last year) 1,095,800,542.22  
  Total Assets (current year) 1,110,665,359.05  
  (2) Return on Equity (ROE) 5.47  
  Annualized Net Profit or Loss  8,701,224.82  
  Average Capital 159,017,941.49  
  Total Capital (last year) 157,045,607.79  
  Total Capital (current year) 160,990,275.20  
  (3) Earning Asset Yield 7.92  
  Annualized Interest Income 82,518,259.94  
  Average Earning Assets 1,041,251,985.98  
  Earning Assets (last year) 1,029,770,495.81  
  Earning Assets (current year) 1,052,733,476.15  
  (4) Funding Cost 1.86  
  Annualized Interest Expense 16,964,608.02  
  Average Interest Bearing Liabilities 911,914,155.54  
  Interest Bearing Liabilities (last year) 907,996,706.05  
  Interest Bearing Liabilities (current year) 915,831,605.03  
  (5) Interest Spread 6.06  
  (3) Earning Asset Yield 7.92  
  (4) Funding Cost 1.86  
  (6) Net Interest Margin 6.24  
  Annualized Net Interest Income 64,935,902.55  
  Average Earning Assets 1,041,251,985.98  
  (7) Cost to Income Ratio 62.02  
  Annualized Non-Interest Expenses 47,500,065.11  
  Annualized Total Operating Income 76,585,586.41  
  (8) Net Interest Income to Total Operating Income 84.79  
  Annualized Net Interest Income  64,935,902.55  
  Annualized Total Operating Income 76,585,586.41  
  (9) Non-interest Income to Total Operating Income 15.21  
  Annualized Non-Interest Income 11,649,683.86  
  Annualized Total Operating Income 76,585,586.41  
  CAPITAL ADEQUACY  
  Capital Adequacy Ratio - Solo  
  Total Capital Accounts to Total Assets 14.51 14.40 14.50 14.47  
             
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 4 June 2021