FINANCIAL HIGHLIGHTS

 
As of December 2002
As of December 2003
As of October 2004
Total Resources
P 2.29 B
P 2.56 B
P 2.888 B
Total Deposits
P 1.77 B
P 2.038 B
P 2.329 B
Total Loan Portfolio
P 828.74 M
P 891.05 M
P 1.154 B
Total Investment Portfolio
P 920.58 M
P 1.13 M
P 1.086 B
Net Income
P 34.96 M
P 37.8 M
P 42.74 M

 

In terms of assets, PostalBank ranks number 15 out of 83 thrift banks who submitted statement of condition to Bangko Sentral ng Pilipinas . ( Source  : Financial Statements as of June 23, 2004 submitted by Thrift Banks to Bangko Sentral ng Pilipinas) 

CAMELS RATING

  As of
October 2004 		As of
September 2004 		Chamber of Thrift Banks
as of
May 2004
Capital Adequacy
Capital to Risk Assets Ratio 26.06 26.56 18.90
Total Liabilities to Capital Ratio 5.52 5.47 6.02
Asset Quality
NPL/Gross Loans 16.86 12.58 12.80
NPL/Total Assets 22.61 21.47 17.00
GPA/Total Assets 23.02 23.76 17.60
Loan Provision/Gross Loans 4.78 4.80 0.00
Loan Provision/NPL 28.33 38.12 0.00
Profitability
Return on Equity 15.89 14.66 0.10
Return on Assets 1.48 1.39 0.00
Net Interest Margin 0.59 0.59 0.53
Efficiency Ratio 82.78 79.57 101.57
Liquidity
Quick Assets/Total Deposits 53.20 52.05 38.56
Gross Loans/Total Deposits 52.07 52.59 70.82

 

 
copyright 2002-2005 by Philippine Postal Savings Bank, Inc.