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 | Financial Performance and Reports |
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Performance Highlights
Performance Highlight
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Gross Revenues |
14,547,926,037 |
17,514,336,020 |
| Net Interest Income |
6,524,214,774 |
8,236,036,723 |
| Non-Interest Income |
2,142,922,269 |
4,104,485,158 |
| Provision for Impairment & Credit Losses |
306,709,527 |
792,384,146 |
| Gross Expenses |
11,630,738,029 |
13,411,706,699 |
| Operating Expenses |
5,177,994,832 |
6,947,999,386 |
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Net Income |
2,917,188,008 |
4,102,629,321 |
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Total Resources |
208,547,054,007 |
234,035,615,754 |
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Loan Portfolio (Net) |
110,839,234,244 |
110,371,291,557 |
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Total Deposits |
173,779,256,090 |
193,290,039,246 |
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Stockholders' Equity Funds |
25,876,687,638 |
30,368,495,744 |
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Number of Branches |
215 |
247 |
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Number of ATMs |
320 |
380 |
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Number of Employees |
3,861 |
4,150 |
| Return on Average Equity |
11.98 |
15.36 |
| Return on Average Assets |
1.53 |
1.90 |
| Net Interest Margin |
3.82 |
4.16 |
| Cost to Income Ratio |
59.74 |
56.30 |
| Liquid Assets to Total Assets |
39.55 |
46.42 |
| Loans to Deposit Ratio |
63.78 |
57.10 |
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Non-Performing Loans Ratio |
5.14 |
4.16 |
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NPL Cover |
88.06 |
119.54 |
Capital Adequacy Ratio
(Tier 1) |
12.62 |
11.92 |
Capital Adequacy Ratio
(Total CAR) |
13.49 |
12.80 |
| Earnings Per Share |
29.92 |
42.07 |
| Cash Dividends Paid |
1,541,608,520 |
1,063,721,628 |
| Cash Dividends Per Share |
20 |
12 |
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Cash Payout Ratio |
41.88% |
36.46% |
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Cash Dividend Yield |
5.06% |
3.24% |
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Stock Dividends Paid |
1,156,304,300 |
886,530,300 |
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Stock Dividends Per Share |
15% |
10% |
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Market Value Per Share |
395.00 |
370.00 |
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Book Value Per Share |
265.38 |
311.44 |
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Price to Book Ratio (x) |
1.49 |
1.19 |
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