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 | Financial Performance and Reports |
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Performance Highlights
Performance Highlight
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Gross Revenues |
16,868,396,443 |
19,048,331,525 |
| Gross Expenses |
11,859,509,434 |
14,014,384,207 |
| Net Interest Income |
8,551,739,056 |
8,062,340,832 |
| Non-Interest Income |
4,191,798,474 |
5,897,461,844 |
| Provision for Impairment & Credit Losses |
155,097,500 |
236,756,182 |
| Operating Expenses |
7,032,144,807 |
8,266,810,560 |
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Net Income |
5,008,887,009 |
5,033,947,318 |
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Total Resources |
262,213,686,304 |
323,645,464,402 |
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Loan Portfolio (Net) |
145,238,662,573 |
190,145,335,762 |
| Investment Securities |
61,191,602,901 |
66,431,281,463 |
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Total Deposits |
216,133,713,301 |
271,977,239,870 |
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Stockholders' Equity |
39,289,324,696 |
42,291,394,432 |
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Number of Branches |
293 |
316 |
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Number of ATMs |
475 |
511 |
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Number of Employees |
4,633 |
5,198 |
| Return on Average Equity |
13.72 |
12.39 |
| Return on Average Assets |
2.04 |
1.72 |
| Net Interest Margin |
3.76 |
2.90 |
| Cost to Income Ratio |
55.18 |
59.22 |
| Liquid Assets to Total Assets |
38.43 |
36.53 |
| Loans to Deposit Ratio |
67.20 |
69.91 |
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Non-Performing Loans Ratio |
2.93 |
2.07 |
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NPL Cover |
143.90 |
143.19 |
Capital Adequacy Ratio (Tier 1) |
16.98 |
15.15 |
Capital Adequacy Ratio (Total CAR) |
17.80 |
16.00 |
| Market Capitalization (In Pesos) |
46,959,091,864 |
70,863,932,958 |
| Earnings Per Share |
3.86 |
3.89 |
| Cash Dividends Paid |
1,287,127,404 |
1,415,852,016 |
| Cash Dividends Per Share |
12 |
12 |
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Cash Payout Ratio |
25.72 |
28.27 |
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Cash Dividend Yield |
3.02 |
2.20 |
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Stock Dividends Paid |
1,072,705,100 |
1,179,975,500 |
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Stock Dividends Per Share |
10 |
10 |
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Market Value Per Share |
39.80 |
54.60 |
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Book Value Per Share |
30.25 |
32.58 |
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Price to Book Ratio (x) |
1.32 |
1.68 |
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