52 Selected Performance Indicators    
       
       
  Rural and Cooperative Bank Group    
  as of end of periods indicated    
  amounts in thousand Pesos, ratios in percent (%)    
       
   
  Selected Accounts Mar-21  
   
  ASSET QUALITY RATIOS:   
  Past Due Ratio 17.93  
  Past Due Loans 28,721,236.30  
  Total Loan Portfolio (TLP), gross  160,141,300.00  
  RL to TLP 2.75  
  Restructured Loans (RL), gross 4,406,617.71  
  TLP, gross  160,141,300.00  
  Loan Loss Reserves (LLR) to TLP 8.37  
  Allowance for Credit Losses (ACL) - TLP 13,401,081.32  
  TLP, gross  160,141,300.00  
  Gross NPL Ratio 14.35  
  Gross Non-Performing Loans (NPL) 22,987,289.58  
  TLP, gross  160,141,300.00  
  Gross NPL Ratio, net of IBL 14.35  
  Gross NPL, net of NP IBL 22,987,289.58  
  (1) Gross NPL 22,987,289.58  
  (2) Non-performing IBL 0.00  
  TLP, gross net of IBL 160,141,300.00  
  (1) TLP, gross 160,141,300.00  
  (2) Interbank Loans Receivables (IBL) 0.00  
  Net NPL Ratio1/ 8.08  
  NPL, net of Specific ACL1/ 12,934,122.06  
  (1) Gross NPL 22,987,289.58  
  (2) Specific ACL 10,053,167.52  
  TLP, gross  160,141,300.00  
  NPL Coverage Ratio 58.30  
  ACL - TLP 13,401,081.32  
  Gross NPL 22,987,289.58  
  NPL Coverage Ratio, excl. GLLP 50.95  
  Spec. ACL - TLP 11,712,434.42  
  Gross NPL 22,987,289.58  
  NPA to Gross Assets  10.26  
  Non-Performing Assets (NPA) 31,384,994.18  
  (1) Gross NPL 22,987,289.58  
  (2) ROPA, gross 8,397,704.60  
  (a) Real and Other Properties Acquired (ROPA) 7,412,325.84  
  (b) Non-Current Assets Held for Sale 347,900.09  
  (c) Non-Performing Sales Contract Receivables (SCR) 637,478.68  
  Gross Assets 305,824,830.66  
  (1) Total Assets 291,155,215.39  
  (2) Allowance on NPA 14,669,615.27  
  NPA Coverage Ratio 46.74  
  Allowance on NPA 14,669,615.27  
  NPA 31,384,994.18  
  Distressed Assets Ratio 19.87  
  Distressed Assets 33,845,425.64  
  NPA 31,384,994.18  
  RL, Performing 2,460,431.46  
  TLP, gross  160,141,300.00  
  Total ROPA 10,231,072.44  
  (1) ROPA, gross 8,397,704.60  
  (2) Performing SCR 1,833,367.84  
  LIQUIDITY RATIOS  
  (1) Cash and Due from Banks to Deposits 30.41  
  Cash and Due from Banks   65,318,884.85  
  Deposits 214,775,474.27  
  (2) Liquid Assets to Deposits Ratio 54.04  
  Liquid Assets, sum of: 116,054,371.10  
  (1) Cash and Due from Banks 65,318,884.85  
  (2) Financial Assets, net (excl. equity investments) 50,735,486.24  
  Deposits 214,775,474.27  
  (3) Loans (gross) to Deposits 74.56  
  Loans (gross) 160,141,300.00  
  Deposits 214,775,474.27  
  SELECTED PROFITABILITY RATIOS  
  (1)  Return on Assets (ROA) 1.92  
  Annualized Net Profit or Loss  2,793,254.57  
  Average Assets 278,417,287.62  
  Total Assets (last year) 265,679,359.86  
  Total Assets (current year) 291,155,215.39  
  (2) Return on Equity (ROE) 10.14  
  Annualized Net Profit or Loss  2,793,254.57  
  Average Capital 53,746,023.31  
  Total Capital (last year) 52,412,140.49  
  Total Capital (current year) 55,079,906.14  
  (3) Earning Asset Yield 19.40  
  Annualized Interest Income 26,174,808.87  
  Average Earning Assets 257,546,710.45  
  Earning Assets (last year) 245,237,556.57  
  Earning Assets (current year) 269,855,864.34  
  (4) Funding Cost 3.42  
  Annualized Interest Expense 3,850,733.60  
  Average Interest Bearing Liabilities 214,645,156.95  
  Interest Bearing Liabilities (last year) 203,902,139.46  
  Interest Bearing Liabilities (current year) 225,388,174.44  
  (5) Interest Spread 15.98  
  (3) Earning Asset Yield 19.40  
  (4) Funding Cost 3.42  
  (6) Net Interest Margin 16.54  
  Annualized Net Interest Income 22,317,394.88  
  Average Earning Assets 257,546,710.45  
  (7) Cost to Income Ratio 80.89  
  Annualized Non-Interest Expenses 23,029,000.75  
  Annualized Total Operating Income 28,469,065.61  
  (8) Net Interest Income to Total Operating Income 78.39  
  Annualized Net Interest Income  22,317,394.88  
  Annualized Total Operating Income 28,469,065.61  
  (9) Non-interest Income to Total Operating Income 21.61  
  Annualized Non-Interest Income 6,151,670.72  
  Annualized Total Operating Income 28,469,065.61  
  CAPITAL ADEQUACY  
  Capital Adequacy Ratio - Solo  
  Total Capital Accounts to Total Assets 18.98  
       
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