Current Ratio 2018

Given:

Current Assets 2018 2019

CASH AND OTHER CASH ITEMS 52,492 62,726

DUE FROM BANGKO SENTRAL NG PILIPINAS 349,017 306,938

DUE FROM OTHER BANKS 48,780 35,820

TRADING AND INVESTMENT SECURITIES 304,281 345,278

LOANS AND OTHER RECEIVABLES – Net 2,019,153 2,175,655

TOTAL 2,773,723 2,926,417

Current Liabilities

DEPOSIT LIABILITIES 2,362,302 2,438,737

BILLS PAYABLE 117,693 147,321

TOTAL 2,479,995 2,586,058

Current Ratio 1.1184:1 1.1316:1

Quick Ratio

Current Asset

CASH AND OTHER CASH ITEMS 52,492 62,726

DUE FROM BANGKO SENTRAL NG PILIPINAS 349,017 306,938

DUE FROM OTHER BANKS 48,780 35,820

TRADING AND INVESTMENT SECURITIES 304,281 345,278

LOANS AND OTHER RECEIVABLES – Net 2,019,153 2,175,655

TOTAL 2,773,723 2,926,417

Current Liabilities

DEPOSIT LIABILITIES 2,362,302 2,438,737

BILLS PAYABLE 117,693 147,321

TOTAL 2,479,995 2,586,058

Quick Ratio 1.1184:1 1.1316:1

Working Capital

Current Assets 2018 2019

CASH AND OTHER CASH ITEMS 52,492 62,726

DUE FROM BANGKO SENTRAL NG PILIPINAS 349,017 306,938

DUE FROM OTHER BANKS 48,780 35,820

TRADING AND INVESTMENT SECURITIES 304,281 345,278

LOANS AND OTHER RECEIVABLES – Net 2,019,153 2,175,655

TOTAL 2,773,723 2,926,417

Current Liabilities

DEPOSIT LIABILITIES 2,362,302 2,438,737

BILLS PAYABLE 117,693 147,321

TOTAL 2,479,995 2,586,058

Working Capital 293,728 340,359

Operating Cash flow Ratio

Current Assets 2018 2019

CASH AND OTHER CASH ITEMS 52,492 62,726

TRADING AND INVESTMENT SECURITIES 304,281 345,278

TOTAL 356,773 408,004

Current Liabilities

DEPOSIT LIABILITIES 2,362,302 2,438,737

BILLS PAYABLE 117,693 147,321

TOTAL 2,479,995 2,586,058

Operating Cash flow Ratio 0.1439 0.1578

Leverage Ratios 2018 2019

Debt to Total Assets Ratio

Liability

DEPOSIT LIABILITIES 2,362,302 2,438,737

BILLS PAYABLE 117,693 147,321

SUBORDINATED NOTES PAYABLE 10,030 10,030

OTHER LIABILITIES 74,166 97,802

TOTAL 2,564,191 2,693,890

Assets

CASH AND OTHER CASH ITEMS 52,492 62,726

DUE FROM BANGKO SENTRAL NG PILIPINAS 349,017 306,938

DUE FROM OTHER BANKS 48,780 35,820

TRADING AND INVESTMENT SECURITIES 304,281 345,278

LOANS AND OTHER RECEIVABLES – Net 2,019,153 2,175,655

PREMISES, FURNITURE, FIXTURES AND EQUIPMENT – Net 29,272 42,494

INVESTMENT PROPERTIES – Net 15,426 42,494

OTHER RESOURCES – Net 73,391 81,594

TOTAL 2,891,812 3,063,100

Debt to Total Assets Ratios 0.8867 0.8795

Debt to Equity Ratio
Liability

DEPOSIT LIABILITIES 2,362,302 2,438,737

BILLS PAYABLE 117,693 147,321

SUBORDINATED NOTES PAYABLE 10,030 10,030

OTHER LIABILITIES 74,166 97,802

TOTAL 2,564,191 2,693,890

Equity

Attributable to:

Shareholders of the Parent Bank 327,621 369,210

Non-controlling Interests

TOTAL 327,621 369,210

Debt to Equity Ratio 7.8267 7.2964

Long term Debt To equity Ratio

SUBORDINATED NOTES PAYABLE 10,030 10,030

OTHER LIABILITIES 74,166 97,802

Total 84,196 107,832

Equity
Equity

Attributable to:

Shareholders of the Parent Bank 327,621 369,210

Non-controlling Interests

TOTAL 327,621 369,210

Long term Debt To equity Ratio 0.2570 0.2921

Times Interest Earned ratio 2018 2019
Operating Profit 70,944 96,290
Interest 28,720 38,681
Times Interest Earned ratio 2.4702 2.4932

Activity Ratios

Interest Income 122,615 153,081

Cash and Other Cash Items 52,492 62,726

Inventory Turnover 2.3359 2.4405

Age of Inventory

Days 365 365

Inventory Turnover 2.3359 2.4405

Age of Inventory 156.2567 days 149.5595 days

Fixed Assets Turnover 2018 2019

Interest Income 122,615 153,081

Fixed Assets

PREMISES, FURNITURE, FIXTURES AND EQUIPMENT – Net 29,272 42,494

INVESTMENT PROPERTIES – Net 15,426 12,595

OTHER RESOURCES – Net 73,391 81,594

TOTAL 118,089 136,683

Fixed Assets Turnover 1.0383 1.1200

Total Assets Turnover 2018 2019

Interest Income 122,615 153,081

Assets

CASH AND OTHER CASH ITEMS 52,492 62,726

DUE FROM BANGKO SENTRAL NG PILIPINAS 349,017 306,938

DUE FROM OTHER BANKS 48,780 35,820

TRADING AND INVESTMENT SECURITIES 304,281 345,278

LOANS AND OTHER RECEIVABLES – Net 2,019,153 2,175,655

PREMISES, FURNITURE, FIXTURES AND EQUIPMENT – Net 29,272 42,494

INVESTMENT PROPERTIES – Net 15,426 42,494

OTHER RESOURCES – Net 73,391 81,594

TOTAL 2,891,812 3,063,100

Total Assets Turnover 0.0424 0.0500

Accounts Receivable Turnover

Interest Income 122,615 153,081

Accounts Receivable 2,019,153 2,175,655

Accounts Receivable Turnover 0.0607 0.0704

Average Collection Period 2018 2019

DUE FROM BANGKO SENTRAL NG PILIPINAS 349,017 306,938

DUE FROM OTHER BANKS 48,780 35,820

LOANS AND OTHER RECEIVABLES – Net 2,019,153 2,175,655

TOTAL 2,416,950 2,518,413

Interest Income 122,615 153,081

Sales per day Average 335.93 419.40

Average Collection Period 7194.8 days 6004.8 days

Profitability Profit 2018 2019

Gross Profit 93,895 114,500

Interest Income 122,615 153,081

Gross profit 0.7658 0.7480

Note: pinagless naming yung Net income saka Interest income para mapalabas COGS

Operating Profit Margin 2017 2018 2019

Operating Profit 36,247 42,224 57,609

Sales 93,786 122,615 153,081

Operating Profit Margin 0.3865 0.3444 0.3763

Net Profit Margin

Net Income 28,006 32,712 44,233

Sales 93,786 122,615 153,081

Net Profit Margin 0.2986 0.2668 0.2890

Return on Total Assets (ROA) 2018 2019

Net Income 32,712 44,233

Assets

CASH AND OTHER CASH ITEMS 52,492 62,726

DUE FROM BANGKO SENTRAL NG PILIPINAS 349,017 306,938

DUE FROM OTHER BANKS 48,780 35,820

TRADING AND INVESTMENT SECURITIES 304,281 345,278

LOANS AND OTHER RECEIVABLES – Net 2,019,153 2,175,655

PREMISES, FURNITURE, FIXTURES AND EQUIPMENT – Net 29,272 42,494

INVESTMENT PROPERTIES – Net 15,426 42,494

OTHER RESOURCES – Net 73,391 81,594

TOTAL 2,891,812 3,063,100

Return on Total Assets (ROA) 0.0113 0.0144

Return on Stockholders’ Equity (ROE)

Net Income 32,712 44,233

Stockholders’ Equity 327,621 369,210

Return on Stockholders’ Equity (ROE) 0.0998 0.1198

Earnings Per Share (EPS) – Not Applicable

Price-Earnings Ratio – Not applicable