2013 Income Statement and Key Ratios - Thrift ...

1/ Ratio of Annualized Interest Income to Average Earning Assets [(Due from BSP) + (Due from Other Banks) + (Financial Assets - Debt Securities, gross, net of amortization) + (Derivatives with Positive Fair Value HFT - Interest Rate Contracts) + (Derivatives with Positive Fair Value Held for Hedging - Interest Rate Contracts) + (TLP, gross, net of amortization)] 2/ Ratio of annualized Interest Expense to Interest Bearing Liabilities [(Financial Liabilities HFT) + (Financial Liabilities Designated at FVPL) + (Deposit Liabilities) + (Bills Payable) + (Bonds Payable) + (Unsecured Subordinated Debt (USD)) + (Redeemable Preferred Shares) + (Derivatives w/ Negative Fair Value Held for Hedging) + (Finance Lease Payment Payable)] 3/ Earning assets Yield - Funding Cost 4/ Ratio of Annualized Net Interest Income [(Interest Income) - (Interest Expense) - (Provision for Losses on Accrued Interest Income from Financial Assets)] to Average Earning Assets 5/ Ratio of Annualized Non-Interest Expense, Net of Impairment Losses to Annualized Total Operating Income [(Net Interest Income) + (Non-Interest Income)] Note: Details may not add up to totals due to rounding-off Source: Supervisory Data Center, Supervision and Examination Sector Updated as of 13 March 2013 Income Statement Key Ratios Thrift Banking System as of end of period indicated in Billion