fh 1st sem 2010 - bangko sentral ng pilipinas · 2013-11-05 · oce of supervisory policy...

Status Report on the Philippine Financial System

First Semester 2010

O!ce of Supervisory Policy Development, Supervision and Examination Sector 63

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O!ce of Supervisory Policy Development, Supervision and Examination Sector64

Bangko Sentral ng Pilipinas

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20.0

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60.0

80.0

100.0

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0.2

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0.6

0.8

1.0

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Operating Income Non-Interest Expense Cost to Income Ratio

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(3.0)

(2.0)

(1.0)

0.0

1.0

2.0

3.0

4.0

5.0

1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 Mar2010*

Industry Luzon Visayas Mindanao

(40.0)

(30.0)

(20.0)

(10.0)

0.0

10.0

20.0

30.0

1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 Mar2010*

Industry Luzon Visayas Mindanao

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First Semester 2010

O�ce of Supervisory Policy Development, Supervision and Examination Sector 67

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@$"A-FF<U-&!$)!17C<-R1-7'!-"7'!$-'%18,-dD3-?(7'-c]-

&"37!8-%-@%/"$%0*+-*"?!$-)"37V7"V(1)"A!-$%."-"@-GJ<G-

&!$)!17-7'%1-XW3-?(7'-c]-%7-HU<G-&!$)!17<

Operating Network

S3- "@- !18Vg51!- K=F=,- 7'!$!- ?%3- 1"- )'%1#!- (1- 7'!-

15A0!$- "@- 9]c]3- "&!$%.1#- (1- 7'!- )"517$+- @$"A-

*%37-3!A!37!$-%18-%-+!%$-%#"->3(N-dD3-?(7'-c],-3!/!1-

XW3-?(7'-c],-%18-"1!-1"1V0%12-?(7'-c]C<-M'!-7"7%*-

15A0!$-"@-9]c]-"h)!3-%*3"-$!A%(1!8-51)'%1#!8-%7-

GB->FH-'!%8-"h)!3-%18-KG-0$%1)'!3i"7'!$-"h)!3C<


X"$-7'!-\$37-'%*@-"@-K=F=,-9]c]3-&"37!8-%-1!7-&$"\7-

"@-:F<J-0(**("1,-8"?1-0+-U<J-&!$)!17-@$"A-:K<=-0(**("1-

3%A!-&!$("8-*%37-+!%$<-dD3-?(7'-c]-%))"517!8-@"$-;B<J-

&!$)!17,-3A%**!$-7'%1-7'!-U;<H-

percent posted same period

*%37- +!%$,- ?'(*!- XW3- ?(7'- c]-

(1)$!%3!8- (73- )"17$(05."1- 7"-

HK<K-&!$)!17-)"A&%$!8-7"-GH<U-

&!$)!17-%-+!%$-%#"<

R&!$%.1#- (1)"A!- #$!?- @$"A-

:H<J- 0(**("1- 7"- :;<G- 0(**("1,-

&"3.1#-%1-J<J-&!$)!17-#$"?7'<-

S0"57- 7?"- 7'($83- )%A!- @$"A-

XW3- ?(7'- c]- >%7- UU<B- &!$)!17-

3'%$!,- 8"?1- @$"A- +!%$- %#"L3-

UB<G- &!$)!17C- ?'(*!- 7'!- $!37-

@$"A- dD3- ?(7'- c]- %7- GG<G-

&!$)!17,-5&-@$"A-GK<B-&!$)!17<

9!7- (17!$!37- (1)"A!- ?!17- 5&-

0+-FJ<K-&!$)!17-7"-:G<G-0(**("1-@$"A-:K<J-0(**("1-%18-

!N&%18!8- (73- &$"&"$."1- 7"- UG<H- &!$)!17- >5&- @$"A-

;J<H-&!$)!17-3%A!-&!$("8-*%37-+!%$C-"@-7"7%*-"&!$%.1#-

(1)"A!<-M'!-$(3!- (1-1!7- (17!$!37- (1)"A!-?%3-85!-7"-

(1)$!%3!3- (1- (17!$!37- (1)"A!- >FJ<B- &!$)!17C- %18-

*!%3(1#-(1)"A!->H<J-&!$)!17C-%*"1#-?(7'-%-$!85)."1-

"@-(17!$!37-!N&!13!3->K<T-&!$)!17C<-

E!%1.A!,-1"1V(17!$!37-(1)"A!-3'$%12-0+-H<G-&!$)!17-

>7"- :F<T- 0(**("1- @$"A- :K<=- 0(**("1C- %18- %))"517!8-

@"$-GU<U-&!$)!17- >8"?1- @$"A-HF<U-&!$)!17C-"@- 7"7%*-

"&!$%.1#- (1)"A!<- 9"1V(17!$!37- (1)"A!- @!**- !/!1-

%3- @!!- 0%3!8- (1)"A!- (1)$!%3!8- K;<B- &!$)!17- >:=<G-

0(**("1C,- %3- (7- ?%3- 8$%##!8- 8"?1- 0+- %- 35037%1.%*-

8!)$!%3!- "@- GJ<;- &!$)!17- >:=<K- 0(**("1C- (1- 7$%8(1#-

(1)"A!-%18-%-$!7$!%7-"@-GH<T-&!$)!17->"$-:=<K-0(**("1C-

(1-"7'!$-(1)"A!<-M'!-8?(18*(1#-7$%8(1#-(1)"A!-?%3-

0$"5#'7-%0"57-0+-7'!-;;<G-&!$)!17->:=<K-0(**("1C-8$"&-

(1-7'!-#"/!$1A!17-3!)5$(.!3-%))"517-"@-dD3-?(7'-c]<

The industry had healthy

operations as it made 8.8

percent more in total

operating income which

outpaced the 1.9 percent

hike in operating expenses.

However, the bottom line

was a!ected by the sharp

fall in extraordinary credits

by 56.2 percent.



R&!$%.1#- !N&!13!3- @"$- 7'!- \$37- '%*@- "@- K=F=-

%A"517!8- 7"- :G<K- 0(**("1,- 5&- 0+- F<T- &!$)!17- @$"A-

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)"17$(05."1-@!**-7"-HH<;-&!$)!17-@$"A-BU<T-&!$)!17<-

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&!$)!17-@$"A-FB<F-&!$)!17<-

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!"#$%&$!'

* Average for the 12-month period July 2009 to June 2010

!"#$%"&'()*+,(-.%'*#$%"&*"/(0."1+*!"'(2 $-$'3(

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./.

0./.

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4"(5 $*66*!"' 4"(57817"+

* Average for the 12-month period July 2009 to June 2010


First Semester 2010


!"#$%&#'()% *+%,&(+%&-./&0%1"%!(&+ 2%& !&#0%134!*&

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FG6&) (+&?@&)+#6%&134#&%36%,&(#&BH.B&0%1"%!(&81#$&

DI./&0%1"%!(.&&

Major Balance Sheet

Trends

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NI.O&9 PP #!&#1&L/.O&0%1"%!(7&3PP&#(+%1&366%(&3""#'!(6&

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First Semester 2010


E+%& !,'6(1K& ,1%)& P31*%PK& #!& ,%0#6 (& 6'964('(%6&

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9 PP #!V&9##6(&(#&1%3"+&NOD./&9 PP #!&81#$&NOL.-&9 PP #!&

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9 PP #!&81#$&N/.B&9 PP #!&63$%&0%1 #,&P36(&K%31.

Non-Stock Savings and Loan

Associations (NSSLAs)


First Semester 2010


Operating NetworkJ6& #8& %!,Ad'!%& OILI7& (+%& (#(3P& !'$9%1& #8& \aaYJ6&

#0%134!*& !& (+%& "#'!(1K& 6(##,& 3(& CI7& 63$%& 36& P36(&

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81#$&L-H&3&K%31&3*#V.&SSchedule 1V


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Major Balance Sheet

Trends

AssetsE+%& !,'6(1KZ6&(#(3P&366%(6&%503!,%,&9K&LB.C&0%1"%!(&

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fh 1st sem 2010 - bangko sentral ng pilipinas · 2013-11-05 · oce of supervisory policy...

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