{"id":19153,"date":"2024-06-10T03:01:18","date_gmt":"2024-06-10T03:01:18","guid":{"rendered":"https:\/\/energybuzz.ph\/staging\/6915\/phl-big-banks-asset-growth-quickens-in-q1\/"},"modified":"2024-06-10T03:01:18","modified_gmt":"2024-06-10T03:01:18","slug":"phl-big-banks-asset-growth-quickens-in-q1","status":"publish","type":"post","link":"https:\/\/energybuzz.ph\/staging\/6915\/phl-big-banks-asset-growth-quickens-in-q1\/","title":{"rendered":"PHL big banks\u2019 asset growth quickens in Q1"},"content":{"rendered":"<div>\n<p class=\"p2\">By <b>Abigail Marie P. Yraola, <\/b><i>Deputy Research Head <\/i><\/p>\n<p class=\"p4\">THE COMBINED ASSETS of the Philippines\u2019 biggest lenders rose in the <span class=\"s1\">f<\/span>irst quarter, fueled by increasing con<span class=\"s1\">f<\/span>idence in the economy\u2019s prospects.<\/p>\n<p class=\"p5\">The latest edition of <i>BusinessWorld<\/i>\u2019s quarterly banking report showed that the aggregate assets of 44 universal and commercial banks (U\/KBs) grew by 10.54% year on year to P24.93 trillion in the <span class=\"s1\">f<\/span>irst quarter from P22.55 trillion a year ago. <span class=\"Apple-converted-space\">\u00a0 \u00a0<\/span><\/p>\n<p class=\"p5\">This pace was faster than 7.6% logged in the last three months of 2023.<\/p>\n<p><a title=\"Big banks\u2019 asset and loan growth rises in Q1\" href=\"https:\/\/www.flickr.com\/photos\/142608056@N02\/53778182937\/in\/dateposted\/\" data-flickr-embed=\"true\"><img loading=\"lazy\" fetchpriority=\"high\" loading=\"lazy\" fetchpriority=\"high\" decoding=\"async\" src=\"https:\/\/energybuzz.ph\/staging\/6915\/wp-content\/uploads\/2024\/06\/53778182937_4ffb512eec_o.jpg\" alt=\"Big banks\u2019 asset and loan growth rises in Q1\" width=\"2048\" height=\"1284\"><\/a><script async src=\"\/\/embedr.flickr.com\/assets\/client-code.js\" charset=\"utf-8\"><\/script><\/p>\n<p class=\"p5\">Asset growth was the fastest since it posted 11.25% in the <span class=\"s1\">f<\/span>irst quarter of 2023.<\/p>\n<p class=\"p5\"><span class=\"s2\">Total loans of these big banks went up by 13.75% to P12.52 trillion in the January-to-March period, faster than the 10.84% a year ago.\u00a0<\/span><\/p>\n<p class=\"p5\">In the <span class=\"s1\">f<\/span>irst three months, lending growth logged its highest in 21 quarters or since the 15.13% logged in the fourth quarter of 2018.<\/p>\n<p class=\"p5\">The growth in assets and lending may be attributed to the improved economic outlook, after gross domestic product (GDP) expanded by 5.7% in the January-to-March period. Businesses are likely to borrow more to support investment plans while consumers may take out loans when they expect higher incomes.<\/p>\n<p class=\"p5\"><span class=\"s3\">BSP data also showed the share of bad loans to the total loan portfolio, also known as the nonperforming loan (NPL) ratio, jumped to 3.6% in the <\/span><span class=\"s1\">f<\/span><span class=\"s3\">irst quarter from 3.39% in the previous quarter. A year ago, NPL ratio stood at 3.63%.\u00a0<\/span><\/p>\n<p class=\"p5\">Loans are considered nonperforming if any principal and\/or interest are left unpaid for over 90 days from the contractual due date or accrued interests for more than 90 days have been capitalized, refinanced, or delayed by agreement. <span class=\"Apple-converted-space\">\u00a0 \u00a0<\/span><\/p>\n<p class=\"p5\">The net NPL ratio, on the other hand, jumped to 1.5% from 1.48% in the previous quarter.<span class=\"Apple-converted-space\">\u00a0 \u00a0<\/span><\/p>\n<p class=\"p5\">Meanwhile, the banks\u2019 median return on equity (RoE), which is an indicator of profitability, dipped to 8.02% in the <span class=\"s1\">f<\/span>irst quarter from 8.79% in the same period a year ago. <span class=\"Apple-converted-space\">\u00a0 \u00a0 \u00a0 \u00a0<\/span><\/p>\n<p class=\"p5\">The RoE, the ratio of net pro<span class=\"s1\">f<\/span>it to average capital, measures the amount that shareholders make on every peso they invest in a company.<\/p>\n<p class=\"p5\">Additionally, the big banks\u2019 median capital adequacy ratio (CAR) \u2014 which re<span class=\"s1\">f<\/span>lects the lender\u2019s ability to absorb losses from risk-weighted assets \u2014 reached 19.64% during the period. This was lower than the 19.73% in the same period last year and the 20.17% a quarter earlier.<span class=\"Apple-converted-space\">\u00a0 \u00a0<\/span><\/p>\n<p class=\"p5\"><span class=\"s2\">The ratio remained well above the regulatory minimum of 10% set by the BSP as well as the international minimum standard of 8% under the Basel III framework.\u00a0<\/span><\/p>\n<p class=\"p5\">The leverage ratio \u2014 which gauges the institution\u2019s ability to absorb shocks by measuring the bank\u2019s capital relative to total exposure \u2014 reached a median of 11.27% during the period.<span class=\"Apple-converted-space\">\u00a0 \u00a0<\/span><\/p>\n<p class=\"p5\">The current figure exceeded the central bank\u2019s 5% guideline as well as the international standard of 3%.<\/p>\n<p class=\"p5\">Meanwhile, the net interest margin (NIM) of these big banks slipped to 3.32% from 3.97% in the previous quarter.<span class=\"Apple-converted-space\">\u00a0 \u00a0<\/span><\/p>\n<p class=\"p5\">This is an indicator of banks\u2019 investing efficiency by dividing annualized net interest income by average earning assets.<\/p>\n<p class=\"p5\">During the January-to-March period, the return on assets (RoA), which measures the pro<span class=\"s1\">f<\/span>it generated per peso of an asset, rose to 1.6% from 1.5% in the fourth quarter.<\/p>\n<p class=\"p5\">In the <span class=\"s1\">f<\/span>irst quarter, BDO Unibank, Inc. (BDO) remained the largest bank in terms of total assets with P4.49 trillion, followed by Metropolitan Bank &amp; Trust Co. (Metrobank) with P3.59 trillion and Land Bank of the Philippines (LANDBANK) with P3.29 trillion.<span class=\"Apple-converted-space\">\u00a0 \u00a0<\/span><\/p>\n<p class=\"p5\">Sy-led BDO also led the industry in lending with P2.92 trillion worth of loans issued, followed by Bank of the Philippine Islands (BPI) with P2.03 trillion and Metrobank with P1.58 trillion.<span class=\"Apple-converted-space\">\u00a0 \u00a0<\/span><\/p>\n<p class=\"p5\">In terms of deposits, BDO led with P3.63 trillion, followed by LANDBANK with P2.9 trillion and BPI with P2.42 trillion.<span class=\"Apple-converted-space\">\u00a0 \u00a0<\/span><\/p>\n<p class=\"p5\">Among banks with at least P100 billion assets, MUFG Bank Ltd., logged the fastest year-on-year asset growth with 27%, followed by Security Bank Corp., (22.51%) and Metrobank (22.08%).<span class=\"Apple-converted-space\">\u00a0 \u00a0<\/span><\/p>\n<p class=\"p5\">Meanwhile, Philippine Trust Co. was the most aggressive lender with an annual increase of 34.03%, followed by Maybank Philippines, Inc. with 33.09% and Standard Chartered Bank with 24.85%.<\/p>\n<p class=\"p5\"><i>BusinessWorld<\/i> Research has been tracking the financial performance of the country\u2019s large banks quarterly since the late 1980s using banks\u2019 published statements.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<div>THE COMBINED ASSETS of the Philippines\u2019 biggest lenders rose in the first quarter, fueled by increasing confidence in the economy\u2019s prospects.\u00a0<\/div>\n","protected":false},"author":1,"featured_media":19154,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","footnotes":""},"categories":[1],"tags":[15815,14915,232,14644,11413,11354,16205],"class_list":["post-19153","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-asset","tag-banks","tag-big","tag-bworldonline","tag-growth","tag-phl","tag-quickens"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - 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