7 Selected Performance Indicators          
             
             
  Philippine Banking System          
  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 4.79 5.21 5.34 5.39  
  Past Due Loans 508,959,402.77 551,472,498.52 569,639,788.97 574,128,147.91  
  Total Loan Portfolio (TLP), gross  10,618,503,360.58 10,579,294,020.07 10,660,781,777.92 10,649,330,553.22  
  RL to TLP 1.85 1.90 2.18 2.27  
  Restructured Loans (RL), gross 196,055,065.11 200,986,874.94 232,925,694.73 242,044,627.49  
  TLP, gross  10,618,503,360.58 10,579,294,020.07 10,660,781,777.92 10,649,330,553.22  
  Loan Loss Reserves (LLR) to TLP 3.50 3.53 3.50 3.55  
  Allowance for Credit Losses (ACL) - TLP 371,173,864.79 373,631,727.09 373,281,616.47 377,811,045.53  
  TLP, gross  10,618,503,360.58 10,579,294,020.07 10,660,781,777.92 10,649,330,553.22  
  Gross NPL Ratio 3.72 4.08 4.21 4.35  
  Gross Non-Performing Loans (NPL) 395,465,503.52 431,266,859.37 448,440,264.12 463,659,390.96  
  TLP, gross  10,618,503,360.58 10,579,294,020.07 10,660,781,777.92 10,649,330,553.22  
  Gross NPL Ratio, net of IBL 3.82 4.19 4.32 4.48  
  Gross NPL, net of NP IBL 394,801,201.47 430,602,557.41 447,780,299.36 463,000,425.13  
  (1) Gross NPL 395,465,503.52 431,266,859.37 448,440,264.12 463,659,390.96  
  (2) Non-performing IBL 664,302.05 664,301.97 659,964.76 658,965.83  
  TLP, gross net of IBL 10,322,264,850.75 10,280,243,055.80 10,354,830,625.69 10,342,186,137.70  
  (1) TLP, gross 10,618,503,360.58 10,579,294,020.07 10,660,781,777.92 10,649,330,553.22  
  (2) Interbank Loans Receivables (IBL) 296,238,509.83 299,050,964.27 305,951,152.22 307,144,415.52  
  Net NPL Ratio1/ 1.96 2.30 2.39 2.54  
  NPL, net of Specific ACL1/ 208,414,076.40 243,200,790.80 255,204,319.31 270,724,369.83  
  (1) Gross NPL 395,465,503.52 431,266,859.37 448,440,264.12 463,659,390.96  
  (2) Specific ACL 187,051,427.12 188,066,068.57 193,235,944.81 192,935,021.13  
  TLP, gross  10,618,503,360.58 10,579,294,020.07 10,660,781,777.92 10,649,330,553.22  
  NPL Coverage Ratio 93.86 86.64 83.24 81.48  
  ACL - TLP 371,173,864.79 373,631,727.09 373,281,616.47 377,811,045.53  
  Gross NPL 395,465,503.52 431,266,859.37 448,440,264.12 463,659,390.96  
  NPL Coverage Ratio, excl. GLLP 71.12 65.18 63.83 62.39  
  Spec. ACL - TLP 281,240,026.65 281,107,672.07 286,251,857.02 289,285,046.28  
  Gross NPL 395,465,503.52 431,266,859.37 448,440,264.12 463,659,390.96  
  NPA to Gross Assets  2.61 2.77 2.85 2.93  
  Non-Performing Assets (NPA) 511,932,732.87 547,558,493.00 565,603,983.15 581,211,768.23  
  (1) Gross NPL 395,465,503.52 431,266,859.37 448,440,264.12 463,659,390.96  
  (2) ROPA, gross 116,467,229.35 116,291,633.63 117,163,719.03 117,552,377.27  
  (a) Real and Other Properties Acquired (ROPA) 101,789,788.40 101,807,869.14 102,230,819.52 102,744,018.26  
  (b) Non-Current Assets Held for Sale 8,867,862.86 8,691,861.70 9,107,534.46 9,167,202.14  
  (c) Non-Performing Sales Contract Receivables (SCR) 5,809,578.09 5,791,902.79 5,825,365.05 5,641,156.86  
  Gross Assets 19,589,976,225.10 19,740,339,903.90 19,856,151,249.37 19,805,280,743.61  
  (1) Total Assets 19,184,778,010.75 19,332,590,349.32 19,448,893,844.60 19,393,020,800.42  
  (2) Allowance on NPA 405,198,214.35 407,749,554.58 407,257,404.77 412,259,943.19  
  NPA Coverage Ratio 79.15 74.47 72.00 70.93  
  Allowance on NPA 405,198,214.35 407,749,554.58 407,257,404.77 412,259,943.19  
  NPA 511,932,732.87 547,558,493.00 565,603,983.15 581,211,768.23  
  Distressed Assets Ratio 6.28 6.41 6.75 6.97  
  Distressed Assets 674,869,820.06 686,564,710.89 728,416,151.11 751,384,954.85  
  NPA 511,932,732.87 547,558,493.00 565,603,983.15 581,211,768.23  
  RL, Performing 162,937,087.19 139,006,217.88 162,812,167.96 170,173,186.62  
  TLP, gross  10,618,503,360.58 10,579,294,020.07 10,660,781,777.92 10,649,330,553.22  
  Total ROPA 127,344,693.57 127,030,034.96 127,587,697.90 128,263,655.84  
  (1) ROPA, gross 116,467,229.35 116,291,633.63 117,163,719.03 117,552,377.27  
  (2) Performing SCR 10,877,464.22 10,738,401.34 10,423,978.87 10,711,278.57  
  LIQUIDITY RATIOS  
  (1) Cash and Due from Banks to Deposits 24.12 24.29 23.53 22.66  
  Cash and Due from Banks   3,566,108,812.31 3,610,526,564.89 3,533,744,782.09 3,408,304,479.88  
  Deposits 14,787,838,373.93 14,863,882,733.52 15,015,099,297.99 15,038,856,579.25  
  (2) Liquid Assets to Deposits Ratio 53.37 54.28 54.23 53.87  
  Liquid Assets, sum of: 7,892,673,548.98 8,068,616,202.97 8,142,935,926.63 8,101,834,113.29  
  (1) Cash and Due from Banks 3,566,108,812.31 3,610,526,564.89 3,533,744,782.09 3,408,304,479.88  
  (2) Financial Assets, net (excl. equity investments) 4,326,564,736.67 4,458,089,638.08 4,609,191,144.53 4,693,529,633.41  
  Deposits 14,787,838,373.93 14,863,882,733.52 15,015,099,297.99 15,038,856,579.25  
  (3) Loans (gross) to Deposits 71.81 71.17 71.00 70.81  
  Loans (gross) 10,618,503,360.58 10,579,294,020.07 10,660,781,777.92 10,649,330,553.22  
  Deposits 14,787,838,373.93 14,863,882,733.52 15,015,099,297.99 15,038,856,579.25  
  SELECTED PROFITABILITY RATIOS  
  (1)  Return on Assets (ROA) 0.80  
  Annualized Net Profit or Loss  152,055,102.45  
  Average Assets 18,926,472,616.52  
  Total Assets (last year) 18,404,051,388.43  
  Total Assets (current year) 19,448,893,844.60  
  (2) Return on Equity (ROE) 6.39  
  Annualized Net Profit or Loss  152,055,102.45  
  Average Capital 2,380,302,503.65  
  Total Capital (last year) 2,301,380,025.53  
  Total Capital (current year) 2,459,224,981.76  
  (3) Earning Asset Yield 4.57  
  Annualized Interest Income 816,577,997.18  
  Average Earning Assets 17,872,542,049.66  
  Earning Assets (last year) 17,263,804,530.99  
  Earning Assets (current year) 18,481,279,568.34  
  (4) Funding Cost 0.95  
  Annualized Interest Expense 149,726,429.80  
  Average Interest Bearing Liabilities 15,812,065,510.01  
  Interest Bearing Liabilities (last year) 15,348,941,081.00  
  Interest Bearing Liabilities (current year) 16,275,189,939.02  
  (5) Interest Spread 3.62  
  (3) Earning Asset Yield 4.57  
  (4) Funding Cost 0.95  
  (6) Net Interest Margin 3.73  
  Annualized Net Interest Income 666,104,635.62  
  Average Earning Assets 17,872,542,049.66  
  (7) Cost to Income Ratio 55.43  
  Annualized Non-Interest Expenses 490,624,672.59  
  Annualized Total Operating Income 885,168,995.99  
  (8) Net Interest Income to Total Operating Income 75.25  
  Annualized Net Interest Income  666,104,635.62  
  Annualized Total Operating Income 885,168,995.99  
  (9) Non-interest Income to Total Operating Income 24.75  
  Annualized Non-Interest Income 219,064,360.37  
  Annualized Total Operating Income 885,168,995.99  
  CAPITAL ADEQUACY  
  Capital Adequacy Ratio - Solo  
  Total Capital Accounts to Total Assets 12.71 12.70 12.65 12.78  
             
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