The Philippine Banking S\Stem
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! TABLE OF CONTENTS (2016 Fact Book – Volume 1) Part I. Highlights on the Philippine Banking System ………………………………………………………………………. I. 1 Part II. Industry Profile of the Philippine Banking System 1. Physical Network a. Number of Offices by Type of Bank Group (2007 – 2016) …………………………………………… II. 1 b. Number of Offices by Type and Location (as of 31 December 2016) ……………………………. II. 2 c. Number of Automated Teller Machines (2007 – 2016) ………………………………………………. II. 5 d. Changes in the Philippine Banking Network (for the year 2016) …………………………………… II. 6 2. Balance Sheet (2012 – 2016) The Philippine Banking System ……………….…………………………………………………………………. II. 7 a. Universal and Commercial Banks ………………………………………………………………………... II. 8 i. Classified by Nature of Operation a. Universal Banks …………………………………………………………………………………… II. 9 b. Commercial Banks ……………………………………………………………………………… II. 10 ii. Classified by Ownership a. Private Domestic Banks ………………………………………………………………………… II. 11 b. Government Banks ……………………………………………………………………………… II. 12 c. Foreign Bank Branches …………………………………………………………………………. II. 13 d. Foreign Bank Subsidiaries ………………………………………………………………………. II. 14 b. Thrift Banks …………………………………………………………………………………………………….. II. 15 c. Rural and Cooperative Banks …………………………………………………………………………….. II. 16 3. Published Balance Sheet (as of 31 December 2016) Universal, Commercial and Thrift Banks ………………………...…………………………………………… .. II. 17 a. Universal and Commercial Banks ………………………………………………………………………… II. 19 b. Thrift Banks …………………………………………………………………………………………………….. II. 47 4. Income Statement (2012 – 2016) The Philippine Banking System ………………. ………………………………………………………………… II. 77 a. Universal and Commercial Banks ………………………………………………………………………... II. 78 i. Classified by Nature of Operations a. Universal Banks …………………………………………………………………………………... II. 79 b. Commercial Banks ……………………………………………………………………………… II. 80 ii. Classified by Ownership a. Private Domestic Banks ………………………………………………………………………... II. 81 b. Government Banks ……………………………………………………………………………... II. 82 c. Foreign Bank Branches ………………………………………………………………………… II. 83 d. Foreign Bank Subsidiaries ……………………………………………………………………… II. 84 b. Thrift Banks ……………………………………………………………………………………………………. II. 85 c. Rural and Cooperative Banks …………………………………………………………………………….. II. 86 5. Summary Report on Compliance with Agri-Agra Reform Credit (2012 – 2016) The Philippine Banking Sy stem ………………. ………………………………………………………………… II. 87 a. Universal and Commercial Banks ………………………………………………………………………... II. 88 b. Thrift Banks ……………………………………………………………………………………………………. II. 89 c. Rural and Cooperative Banks …………………………………………………………………………… .. II. 90 TABLE OF CONTENTS (2016 Fact Book – Vol. 1) 6. Summary Report on Compliance with Small and Medium Enterprise Credit (2012-2016) The Philippine Banking System ………………..………………………………………………………………… II. 91 a. Universal and Commercial Banks ... ……………………………………………………………………... II. 92 b. Thrift Banks ……………………………………………………………………………………………………. II. 93 c. Rural and Cooperative Banks ……………………………………………………………………………. II. 94 7. Philippine Foreign Currency Deposit System Balance Sheet (2012-2016) The Philippine Banking System ………………..………………………………………………………………… II. 95 a. Universal and Commercial Banks ………………………………………………………………………... II. 96 b. Thrift Banks …………………………………………………………………………………………………….. II. 97 8. Trust and Fund Management Operations (2012-2016) The Philippine Banking System ………………...……………………………….……………………………….. II. 98 a. Universal and Commercial Banks ………………………………………………………………………... II. 99 b. Thrift Banks …………………………………………………………………………………………………….. II. 100 Part III. Directory of the Philippine Banking System 1. Directory of Head Offices of the Banking System (as of December 31, 2016) a. Universal and Commercial Banks …………………… .………………………………………………….. III. 1 b. Thrift Banks …… .…………………………………….………………………………………………………… III. 2 c. Rural and Cooperative Banks …………………………..………………………………………………… III. 4 2. Overseas Offices of Universal and Commercial Banks (as of December 31, 2016) …………………. III. 19 3. Offshore Banking Units (as of December 31, 2016) ………………………………………………………… III. 21 4. Banking Industry Associations (as of December 31, 2016) ………………………………………………… III. 22 HIGHLIGHTS ON THE PHILIPPINE BANKING SYSTEM Domestic Offices Overseas Offices Total of Philippine Head Offices Other Offices Banks 1/ A. Number of Banking Offices 11,178 602 10,527 49 Increase/(Decrease) 2016 2015 Amount Percent (%) B. Balance Sheet Accounts (in P Billion) Total Assets 13,591 12,089 1,502 12.42 Cash and Due from banks 2,766 2,473 293 11.83 Financial Assets, gross (net of amortization) 2,595 2,497 99 3.96 Accumulated Market Gains/Losses (6) 3 (8) (319.55) Allowance for Credit Losses 25 26 (1) (3.87) Financial Assets, net 2,565 2,473 92 3.71 Loans, gross 2/ 7,612 6,527 1,085 16.62 Allowance for probable losses 173 162 11 6.92 Loans, net (inclusive of Interbank Loans) 7,439 6,366 1,074 16.87 Equity Investments, gross 241 226 15 6.70 Allowance for probable losses 2 2 0 3.79 Equity Investments, net 239 224 16 6.94 Real and Other Properties Acquired, net 91 93 (2) (1.72) Other assets 490 460 30 6.52 Total Liabilities and Capital Accounts 13,591 12,089 1,502 12.42 Total Liabilities 12,043 10,686 1,358 12.70 Financial Liabilities Held for Trading 36 28 8 27.90 Financial Liabilities Designated at Fair Value through Profit or Loss 0 0 0 Deposit Liabilities 10,507 9,231 1,275 13.81 Bills Payable 704 629 74 11.83 Special Financing 67 0 67 51,837.98 Unsecured Subordinated Debt 90 114 (24) (21.35) Redeemable Preferred Shares 1 1 (0) (2.55) Other liabilities 705 682 23 3.40 Capital Accounts 1,548 1,404 145 10.30 Capital Stock 724 670 53 7.95 Assigned Capital 88 81 7 8.96 Other Equity Instruments 12 18 (6) (32.89) Deposit for Stock Subscription 11 (11) (100.00) Retained Earnings & Undivided Profits 3/ 683 586 97 16.57 Accumulated Earnings 42 38 4 10.48 C. Income Statement Accounts (in P Billion) Net Profit or Loss 154 135 19 14.02 Total Operating Income 535 480 55 11.54 Net Interest Income 498 349 149 42.65 Interest Income 112 453 (341) (75.28) Less: Interest Expense 386 103 283 274.63 Provision for Losses on Accrued Interest 0 0 (0) (23.66) Income from Financial Assets Non Interest Expense 341 310 31 9.96 Losses/Recoveries on Financial Assets (30) (22) (8) 35.64 Net Profit Before Share in the Profit/(Loss) of 164 147 17 11.25 Unconsolidated Subsidiaries, Associates and Joint Ventures Accounted for Using the Equity Method Share in the Profit/(Loss) of Unconsolidated Subsidiaries, 22 18 5 26.26 Associates and Joint Ventures Accounted for Using the Equity Method Total Profit/Loss Before Tax and Before Minority Interest 154 165 (11) (6.39) Income Tax Expense 32 30 2 7.59 Total Profit/Loss After Tax and Before Minority Interest 154 135 19 14.02 D. Selected Ratios (%) Return on Average Assets 1 1 Return on Average Equity 10 11 1/ Excluding Offshore Banking Units and Representative Offices of Foreign Banks 2/ Inclusive of unamortized discount/premium and net of amortization 3/ Inclusive of Other Comprehensive Income, Appraisal Increment Reserve, Stock Dividend Distributable & Deposit for Stock Subscription Details may not add up to totals due to rounding-off Source: Supervisory Data Center, Supervision and Examination Sector I.1 !" #$%& '( '(*'1#/,. 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