CF-Export-26-02-2024 11

Company Fundamentals - Segments
Company Name Bank of the Philippine Islands (BPI.PS)

Country of Exchange Philippines
Country of Headquarters Philippines
TRBC Industry Group Banking Services
CF Template BNK
Consolidation Basis Consolidated
Scaling Thousands
Period Annual
Export Date 26-02-2024
Statement Data 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
Period End Date 31-12-2010 31-12-2011 31-12-2012 31-12-2013 31-12-2014 31-12-2015 31-12-2016 31-12-2017 31-12-2018 31-12-2019 31-12-2020 31-12-2021 31-12-2022
Period End FX Rate 0.022920009168 0.02283626398721 0.02438429651305 0.02253775073248 0.02234636871508 0.02132196162047 0.02017796969269 0.02000920423395 0.01905850962455 0.01974333662389 0.02082899395959 0.01961168856639 0.01796299622777
Avg. FX Rate 0.02222275510685 0.02312115347817 0.02372258236746 0.02359408286669 0.02254074514721 0.02199225382128 0.02107739846252 0.01985570705769 0.01900389292658 0.01932491616263 0.02016910520599 0.020310177506 0.01839663153965
Segments - Business Line By Segment (Currency: US Dollar)

Field Name TRBC 31-12-2010 31-12-2011 31-12-2012 31-12-2013 31-12-2014 31-12-2015 31-12-2016 31-12-2017 31-12-2018 31-12-2019 31-12-2020 31-12-2021 31-12-2022
Consolidated Segment Revenue - External & Intersegment 115,695 238,135 260,188 193,312 769,051 757,416 846,661 1,011,060 865,214 998,591 1,174,128
Interest & Dividend Income - Net - Finance 313,896 304,413
Interest Expense - Bank 270,606 273,269 278,171 225,583
Interest Income - Bank 584,503 577,682
Net Income before Tax 58,957 27,006
Net Interest Income before Loan Loss Provisions - Total 365,612 471,929 495,536 494,540 615,987 557,608 645,619 801,868 878,647 740,875 912,730
Non-Interest Expense - Total 363,364 406,146 394,340 412,778 440,559 505,690 533,996 537,395 676,691 764,822 817,877 811,879 834,913
Non-Interest Income - Total 251,352 260,586 217,814 241,207 233,577 276,617 255,321 321,835 313,055
Provision for Loan Losses 40,601 37,988 49,889 54,644 46,141 56,124 64,750 41,399 32,535 67,425 268,753 64,119 51,658
Total Assets 6,193,009 6,590,500 8,196,172 8,669,597 10,368,469 10,801,557 10,820,053 9,539,368 10,181,704 10,643,495 9,965,403 9,725,005 10,417,209
Total Liabilities including Debt - Short-Term & Long-Term 17,120,536 16,034,209 20,217,703 22,859,207 26,942,659 27,810,192 29,454,610 21,271,165 21,437,012 23,913,366 26,072,568 26,163,503 27,563,697
Consolidated Segment Revenue - External & Intersegment 95,436 70,759 60,590 52,825 220,849 221,232 176,622 327,016 282,085 416,745 428,034
Interest Expense - Bank 17,623 11,907 11,268 8,895.0
Total Assets 5,998,671 7,418,657 8,941,088 10,368,019 13,367,240 13,536,034 15,545,370 20,150,429 21,219,116 23,860,869 23,521,787 23,648,578 24,982,989
Total Liabilities including Debt - Short-Term & Long-Term 428,169 367,024 405,413 336,218 227,218 301,983 294,336 11,012,406 10,538,765 10,909,161 10,664,341 13,097,097 11,101,275
Consolidated Segment Revenue - External & Intersegment -74,290 -42,412
Interest & Dividend Income - Net - Finance -4,777.9 4,231.2
Interest Expense - Bank 8,378.0 8,878.5 8,231.7 9,461.2
Interest Income - Bank 3,600.1 13,110
Net Income before Tax -8,444.7 -4,439.3
Net Interest Income before Loan Loss Provisions - Total -19,536 -42,203 -71,937
Non-Interest Expense - Total 18,889 27,769 33,591 39,166 36,403 45,172 67,907
Non-Interest Income - Total 31,940 16,538 29,426
Provision for Loan Losses 244.5 -23.12 -22,933 112.7 3,452.8 -99.28
Total Assets 325,877 62,297 477,913 602,525 572,815 620,545
Total Liabilities including Debt - Short-Term & Long-Term 277,836 257,525 407,415 389,073 460,277 419,633
Consolidated Segment Revenue - External & Intersegment 281,848 242,665 211,117 345,256 347,482 398,564 407,101 390,054 381,035 334,976 355,423
Interest Expense - Bank 266.7 2,427.7 2,538.3 3,279.6
Provision for Loan Losses 7,289.1 763.0 71.17 0 0 1,583.4 147.5 99.28 114.0 96.62 3,691.0 -3,493.4 459.9
Total Assets 7,609,558 5,170,747 6,447,842 7,425,287 8,068,402 7,421,279 7,799,794 7,785,281 7,810,120 8,441,678 12,040,137 13,326,848 11,834,525
Total Liabilities including Debt - Short-Term & Long-Term 414,829 516,077 726,506 953,324 1,569,944 502,729 1,237,434 1,719,711 2,627,635 2,870,642 3,379,608 1,994,234 2,554,985
Consolidated Segment Revenue - External & Intersegment 492,979 551,559 531,894 517,104 1,337,382 1,334,800 1,430,385 1,728,131 1,528,334 1,750,311 1,957,586
Net Interest Income before Loan Loss Provisions - Total 663,805 715,467 793,029 849,803 955,291 953,848 1,157,470 1,355,546 1,524,482 1,490,767 1,630,696
Non-Interest Expense - Total 465,656 542,538 588,367 630,033 638,917 700,893 671,336 765,100 837,445 945,877 1,010,573 990,162 1,001,899
Total Assets 20,127,114 19,242,201 23,585,101 26,940,816 32,406,637 32,331,684 34,165,217 38,095,624 39,210,940 42,946,041 45,527,328 46,700,431 47,234,722
Company Fundamentals - Segments
CF Template BNK
Scaling Thousands
Period Annual
Statement Data 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
Period End Date 31-12-2010 31-12-2011 31-12-2012 31-12-2013 31-12-2014 31-12-2015 31-12-2016 31-12-2017 31-12-2018 31-12-2019 31-12-2020 31-12-2021 31-12-2022
Avg. FX Rate 0.02222275510685 0.02312115347817 0.02372258236746 0.02359408286669 0.02254074514721 0.02199225382128 0.02107739846252 0.01985570705769 0.01900389292658 0.01932491616263 0.02016910520599 0.020310177506 0.01839663153965
Segments - Business Line By Statement Item (Currency: US Dollar)

Field Name TRBC 31-12-2010 31-12-2011 31-12-2012 31-12-2013 31-12-2014 31-12-2015 31-12-2016 31-12-2017 31-12-2018 31-12-2019 31-12-2020 31-12-2021 31-12-2022
Consumer Banking 522310, 522220, 270,606 273,269 278,171 225,583
522110
Corporate / Eliminations 8,378.0 8,878.5 8,231.7 9,461.2
Corporate Banking 522110 17,623 11,907 11,268 8,895.0
Investment Banking / Financial Markets 523940, 523150 266.7 2,427.7 2,538.3 3,279.6
Consumer Banking 522310, 522220, 40,601 37,988 49,889 54,644 46,141 56,124 64,750 41,399 32,535 67,425 268,753 64,119 51,658
522110
Corporate / Eliminations 244.5 -23.12 -22,933 112.7 3,452.8 -99.28
Corporate Banking 522110 28,623 10,983 19,381 30,767 17,018 26,281 35,663 33,953 57,050 39,964 292,271 205,498 116,377
Investment Banking / Financial Markets 523940, 523150 7,289.1 763.0 71.17 0 0 1,583.4 147.5 99.28 114.0 96.62 3,691.0 -3,493.4 459.9
Non-Interest Expense - Total 465,656 542,538 588,367 630,033 638,917 700,893 671,336 765,100 837,445 945,877 1,010,573 990,162 1,001,899
Consumer Banking 522310, 522220, 363,364 406,146 394,340 412,778 440,559 505,690 533,996 537,395 676,691 764,822 817,877 811,879 834,913
522110
Corporate / Eliminations 18,889 27,769 33,591 39,166 36,403 45,172 67,907
Corporate Banking 522110 61,268 69,340 120,155 131,655 143,404 99,515 83,235 104,262 104,711 120,317 129,728 115,504 106,425
Investment Banking / Financial Markets 523940, 523150 22,134 39,283 40,281 46,433 54,954 50,516 54,106 55,536 56,042 60,738 62,968 62,779 60,562
Total Assets 20,127,114 19,242,201 23,585,101 26,940,816 32,406,637 32,331,684 34,165,217 38,095,624 39,210,940 42,946,041 45,527,328 46,700,431 47,234,722
Consumer Banking 522310, 522220, 6,193,009 6,590,500 8,196,172 8,669,597 10,368,469 10,801,557 10,820,053 9,539,368 10,181,704 10,643,495 9,965,403 9,725,005 10,417,209
522110
Corporate / Eliminations 325,877 62,297 477,913 602,525 572,815 620,545
Corporate Banking 522110 5,998,671 7,418,657 8,941,088 10,368,019 13,367,240 13,536,034 15,545,370 20,150,429 21,219,116 23,860,869 23,521,787 23,648,578 24,982,989
Investment Banking / Financial Markets 523940, 523150 7,609,558 5,170,747 6,447,842 7,425,287 8,068,402 7,421,279 7,799,794 7,785,281 7,810,120 8,441,678 12,040,137 13,326,848 11,834,525
Consumer Banking 522310, 522220, 58,957 27,006
522110
Corporate / Eliminations -8,444.7 -4,439.3
Corporate Banking 522110 68,957 105,409
Investment Banking / Financial Markets 523940, 523150 191,627 245,269
522110
Corporate / Eliminations -4,777.9 4,231.2
Consumer Banking 522310, 522220, 17,120,536 16,034,209 20,217,703 22,859,207 26,942,659 27,810,192 29,454,610 21,271,165 21,437,012 23,913,366 26,072,568 26,163,503 27,563,697
522110
Corporate / Eliminations 277,836 257,525 407,415 389,073 460,277 419,633
Corporate Banking 522110 428,169 367,024 405,413 336,218 227,218 301,983 294,336 11,012,406 10,538,765 10,909,161 10,664,341 13,097,097 11,101,275
Investment Banking / Financial Markets 523940, 523150 414,829 516,077 726,506 953,324 1,569,944 502,729 1,237,434 1,719,711 2,627,635 2,870,642 3,379,608 1,994,234 2,554,985
522110
Corporate / Eliminations 3,600.1 13,110
Consumer Banking 522310, 522220, 251,352 260,586 217,814 241,207 233,577 276,617 255,321 321,835 313,055
522110
Corporate / Eliminations 31,940 16,538 29,426
Corporate Banking 522110 57,772 47,063 51,555 52,757 28,696 42,495 47,700 54,898 52,375
Investment Banking / Financial Markets 523940, 523150 131,818 131,448 213,282 132,914 100,341 160,957 265,546 148,935 129,954
Net Interest Income before Loan Loss Provisions - Total 663,805 715,467 793,029 849,803 955,291 953,848 1,157,470 1,355,546 1,524,482 1,490,767 1,630,696
Consumer Banking 522310, 522220, 365,612 471,929 495,536 494,540 615,987 557,608 645,619 801,868 878,647 740,875 912,730
522110
Corporate / Eliminations -19,536 -42,203 -71,937
Corporate Banking 522110 183,874 174,054 163,240 131,558 204,957 202,429 204,976 324,485 526,656 567,345 492,036
Investment Banking / Financial Markets 523940, 523150 114,319 89,020 134,253 265,908 134,347 265,749 306,875 229,194 119,179 182,548 225,929
Consolidated Segment Revenue - External & Intersegment 492,979 551,559 531,894 517,104 1,337,382 1,334,800 1,430,385 1,728,131 1,528,334 1,750,311 1,957,586
Consumer Banking 522310, 522220, 115,695 238,135 260,188 193,312 769,051 757,416 846,661 1,011,060 865,214 998,591 1,174,128
522110
Corporate / Eliminations -74,290 -42,412
Corporate Banking 522110 95,436 70,759 60,590 52,825 220,849 221,232 176,622 327,016 282,085 416,745 428,034
Investment Banking / Financial Markets 523940, 523150 281,848 242,665 211,117 345,256 347,482 398,564 407,101 390,054 381,035 334,976 355,423
Company Fundamentals - Income Statement
CF Template BNK
Scaling Thousands
Period Annual
Statement Data 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
Period End Date 31-12-2010 31-12-2011 31-12-2012 31-12-2013 31-12-2014 31-12-2015 31-12-2016 31-12-2017 31-12-2018 31-12-2019 31-12-2020 31-12-2021 31-12-2022
Standardized Currency PHP PHP PHP PHP PHP PHP PHP PHP PHP PHP PHP PHP PHP
Avg. FX Rate 0.02222275510685 0.02312115347817 0.02372258236746 0.02359408286669 0.02254074514721 0.02199225382128 0.02107739846252 0.01985570705769 0.01900389292658 0.01932491616263 0.02016910520599 0.020310177506 0.01839663153965
Income Statement - Standardized (Currency: US Dollar)
Field Name 31-12-2010 31-12-2011 31-12-2012 31-12-2013 31-12-2014 31-12-2015 31-12-2016 31-12-2017 31-12-2018 31-12-2019 31-12-2020 31-12-2021 31-12-2022
Revenues
Interest & Dividend Income/(Expense) - Net - Finance 525,079 598,052 651,920 716,128 784,598 849,803 894,377 955,199 1,058,346 1,268,700 1,458,650 1,413,852 1,566,032
Interest & Dividend Income - Finance - Total 821,953 894,534 952,130 963,346 1,036,694 1,150,173 1,230,246 1,308,829 1,511,665 1,943,372 1,943,596 1,719,196 1,900,887
Interest Income - Loans/Deposits 637,326 685,403 759,597 802,411 861,282 972,915 1,072,882 1,165,669 1,327,536 1,696,302 1,699,368 1,506,629 1,589,561
Interest & Fees on Loans & Receivables 561,569 627,878 730,418 763,693 821,407 927,105 1,029,483 1,122,979 1,305,244 1,663,025 1,660,159 1,466,903 1,562,040
Interest Income - Deposits to Other Financial Institutions 75,757 57,525 29,179 38,718 39,875 45,810 43,398 42,690 22,292 33,278 39,209 39,727 27,521
Interest & Dividend Income - Investment Securities - Finance 215,605 241,084 224,463 194,297 211,387 215,260 198,022 185,571 182,722 245,600 243,078 211,957 310,222
Interest & Dividend Income - Investment Securities Available for Sale/Held to Maturity - Finance 202,672 222,310 204,370 178,017 202,236 209,960 194,228 181,580 182,722 245,600 243,078 211,957 310,222
Interest & Dividend Income - Trading Account Assets - Finance 12,934 18,774 20,093 16,280 9,151.5 5,300.1 3,793.9 3,991.0
Interest & Dividend Income - Other - Finance -30,979 -31,953 -31,931 -33,362 -35,975 -38,003 -40,658 -42,412 1,406.3 1,468.7 1,149.6 609.3 1,103.8
Interest Expense - Finance - Total 296,874 296,483 300,209 247,219 252,096 300,370 335,868 353,630 453,319 674,671 484,946 305,343 334,855
Interest Expense - Operational Financing - Business 268,206 271,003 276,321 224,852 244,206 293,069 322,505 330,796 403,928 557,988 382,931 206,514 272,656
Interest Expense - Deposits 268,206 271,003 276,321 224,852 244,206 293,069 322,505 330,796 403,928 557,988 382,931 206,514 272,656
Interest Expense - External Financing Business 28,667 25,480 23,889 22,367 7,889.3 7,301.4 13,363 22,834 49,391 116,684 102,015 98,829 62,199
Non-Interest Business Revenue/(Expense) - Net - Total 193,249 367,441 443,897 491,937 472,882 455,636 493,338 430,094 372,913 489,442 589,543 554,773 516,872
Net Commission & Fees Income/(Expense) - Business Revenue 92,447 106,519 121,246 138,851 166,125 165,602 280,119 272,758 270,539 303,111 316,514 383,761 366,645
Fees & Commissions Income 92,447 106,519 121,246 138,851 166,125 165,602 280,119 272,758 270,539 303,111 316,514 383,761 366,645
Net Foreign Exchange Income/(Expense) - Business Revenue 48,979 40,924 39,901 48,179 45,239 33,978 41,122 46,601 40,440 40,795 43,464 48,419 48,144
Investments & Loans - Business - Gain/(Loss) 65,468 68,161 140,153 114,172 30,700 28,832 113,818 19,975 13,664 77,493 160,486 32,699 19,703
Investment Securities - Business - Gain/(Loss) 65,468 68,161 140,153 114,172 30,700 28,832 113,818 19,975 13,664 77,493 160,486 32,699 19,703
Trading Investments/Trading Account Income - Gain/(Loss) 65,468 68,161 140,153 114,172 30,700 28,832 113,818 19,975 13,664 77,493 160,486 32,699 19,703
Trading Investments - Realized Gain/(Loss) 77,493 160,486 32,699 19,703
Net Income/(Expense) from Insurance - Bank 17,823 21,942 16,463 34,188 22,699 24,389 28,665 28,056 23,242 23,634 30,375 37,655 25,369
Business-Related Financing Revenue - Other 129,448 129,895 126,133 156,547 208,119 202,835 29,614 62,704 25,028 44,409 38,705 52,238 57,011
Revenue from Business-Related Activities - Other - Total -160,915
Revenue from Business Activities - Total 718,328 965,493 1,095,817 1,208,064 1,257,481 1,305,438 1,387,715 1,385,293 1,431,259 1,758,142 2,048,193 1,968,625 2,082,903
Operating Expenses
Provision & Impairment for Loan Losses 76,757 49,710 69,341 62,477 63,272 87,441 101,172 75,352 89,679 107,485 564,735 266,774 168,642
Selling, General & Administrative Expenses - Total 203,049 239,974 467,121 491,347 470,358 476,286 541,584 545,357 513,827 620,426 657,735 701,473 704,389
Labor & Related Expenses including Stock-Based Compensation in Selling, General & Administrative Expenses 203,049 239,974 248,375 251,065 267,108 274,089 283,765 275,935 288,878 335,654 363,145 376,307 359,249
Amortization of Intangibles in Selling, General & Administrative Expenses 7,923.3 7,951.2 6,576.2 5,877.3
Selling, General & Administrative Expenses - Other - Total 210,823 232,331 203,250 202,197 251,243 263,545 224,949 284,772 294,590 325,166 345,139
Advertising Expense 34,564 31,758 24,113 24,125
Property & Other Taxes 5,622.3 10,877 13,068 14,177
Equipment/Occupancy Expense - Bank/Financial - Other 170,637 189,696 203,250 202,197 214,062 225,243 224,949 284,772 294,590 325,166 345,139
Other Operating Expense/(Income) - Net 110,713 126,394 204,963 224,607 184,090 207,869 285,952 313,817 313,488 328,923 362,432
Other Operating Expense 110,713 126,394 204,963 224,607 184,090 207,869 285,952 313,817 313,488 328,923 362,432
Operating Expenses - Total 279,807 289,685 647,176 680,217 738,593 788,334 826,845 828,579 889,458 1,041,729 1,535,958 1,297,170 1,235,463
Operating Profit
Operating Profit before Non-Recurring Income/Expense 438,522 675,808 448,641 527,847 518,888 517,104 560,870 556,714 541,801 716,413 512,235 671,454 847,441
Non-Operating Expenses
Sale of Tangible & Intangible Fixed Assets - Gain/(Loss) 28,277 30,578 15,007 24,859 24,819 24,813 7,502.9 9,688.0 97,557
Other Non-Operating Income/(Expense) - Total -127,425 -302,563
Normalized Pre-tax Profit 311,096 373,245 476,919 558,425 518,888 517,104 575,877 581,574 566,620 741,226 519,738 681,142 944,998
Non-Recurring Income/Expense
Non-Recurring Income/(Expense) - Total -10,533 -12,293 -10,792 -11,874
Litigation Expenses/Settlements 10,533 12,293 10,792 11,874
Pre-Tax Income
Income before Taxes 311,096 373,245 466,386 546,132 518,888 517,104 565,085 569,700 566,620 741,226 519,738 681,142 944,998
Taxes
Income Taxes 56,001 72,369 74,916 97,986 111,757 112,996 95,586 118,261 125,673 180,785 78,781 191,464 212,150
Income Taxes for the Year - Current 63,690 82,543 84,832 97,845 121,134 126,148 114,218 127,434 138,728 192,766 216,838 169,143 228,817
Income Taxes - Deferred -7,689.1 -10,173 -9,916.0 141.6 -9,377.0 -13,151 -18,632 -9,173.3 -13,056 -11,981 -138,058 22,321 -16,667
Net Income After Tax
Net Income after Tax 255,095 300,876 391,470 448,146 407,131 404,108 469,499 451,439 440,947 560,442 440,957 489,678 732,848
After Tax Income/Expense
Income before Discontinued Operations & Extraordinary Items 255,095 300,876 391,470 448,146 407,131 404,108 469,499 451,439 440,947 560,442 440,957 489,678 732,848
Extraordinary Activities - after Tax - Gain/(Loss) 1,216.3 811.7 -4,255.7 0 0
Discontinued Operations - Net of Taxes - Total - Income/(Expense) 1,216.3 811.7 -4,255.7 0 0
Discontinued Operations - Net - Income/(Expense) 1,216.3 811.7 -4,255.7 0 0
Net Income before Minority Interest 255,095 300,876 391,470 448,146 407,131 404,108 469,499 451,439 442,164 561,254 436,701 489,678 732,848
Minority Interest 3,711.2 4,416.1 3,558.4 4,317.7 518.4 3,100.9 4,742.4 6,353.8 3,591.7 4,638.0 4,901.1 4,671.3 4,249.6
Net Income
Net Income after Minority Interest 251,384 296,459 387,912 443,828 406,613 401,007 464,757 445,086 438,572 556,616 431,800 485,007 728,599
Income Available to Common Shares 251,384 296,459 387,912 443,828 406,613 401,007 464,757 445,086 438,572 556,616 431,800 485,007 728,599
Other Comprehensive Income
Other Comprehensive Income - Starting Line 440,947 560,442 440,957 489,678 732,848
Other Comprehensive Income - Foreign Currency -494.1 -3,903.6 -4,800.3 12,734 -1,195.8
Other Comprehensive Income - Unrealized Investment Gain/(Loss) -22,615 9,546.5 16,902 -77,138 -96,638
Other Comprehensive Income - Discontinued Operations 1,558.3 1,275.4 -4,316.2
Other Comprehensive Income - Associated Companies -13,018 24,233 -12,142 -5,686.9 -6,034.1
Other Comprehensive Income - Pension Related 12,467 -27,094 -68,232 12,349 -147.2
Other Comprehensive Income - Net of Tax - Total -22,102 4,058.2 -72,589 -57,742 -104,015
Comprehensive Income before Minority Interest - Total 418,846 564,500 368,369 431,937 628,834
Comprehensive Income - Attributable to Minority Interest - Total 3,078.6 8,541.6 6,353.3 3,209.0 2,998.7
Comprehensive Income - Attributable to Parent Company Equity Holders - Total 415,767 555,959 362,015 428,728 625,835
Share/Per Share - Basic
Net Income - Basic - including Extraordinary Items Applicable to Common - Total 251,384 296,459 387,912 443,828 406,613 401,007 464,757 445,086 438,572 556,616 431,800 485,007 728,599
Income available to Common excluding Extraordinary Items 251,384 296,459 387,912 443,828 406,613 401,007 464,757 445,086 437,356 555,804 436,056 485,007 728,599
Shares used to calculate Basic EPS - Total 3,720,211 3,948,977 3,948,977 4,027,823 4,255,018 4,284,438 4,289,886 4,292,065 4,702,857 4,910,977 4,917,515 4,917,515 4,917,515
EPS - Basic - including Extraordinary Items Applicable to Common - Total 0.07 0.08 0.10 0.11 0.10 0.09 0.11 0.10 0.09 0.11 0.09 0.10 0.15
EPS - Basic - excluding Extraordinary Items Applicable to Common - Total 0.07 0.08 0.10 0.11 0.10 0.09 0.11 0.10 0.09 0.11 0.09 0.10 0.15
EPS - Basic - excluding Extraordinary Items - Normalized - Total 0.07 0.08 0.10 0.11 0.10 0.09 0.11 0.11 0.09 0.11 0.09 0.10 0.15
Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific 387,912 443,828 406,613 401,007 464,757 445,086 438,572 556,616 431,800 485,007 728,599
Earnings Allocation Factor - Basic - Issue Specific 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00
Shares used to calculate Basic EPS - Issue Specific 3,948,977 4,027,823 4,255,018 4,284,438 4,289,886 4,292,065 4,702,857 4,910,977 4,917,515 4,917,515 4,917,515
EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific 0.07 0.08 0.10 0.11 0.10 0.09 0.11 0.10 0.09 0.11 0.09 0.10 0.15
EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific 0.07 0.08 0.10 0.11 0.10 0.09 0.11 0.10 0.09 0.11 0.09 0.10 0.15
EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific 0.07 0.08 0.10 0.11 0.10 0.09 0.11 0.11 0.09 0.11 0.09 0.10 0.15
EPS - Basic from Discontinued Operations & Extraordinary Items 0 0 0 0 0 0 0 0 0 0 0 0 0
Comprehensive Earnings Per Share - Basic - Issue Specific 0.09 0.11 0.07 0.09 0.13
Share/Per Share - Diluted
Net Income - Diluted - including Extraordinary Items Applicable to Common - Total 251,384 296,459 387,912 443,828 406,613 401,007 464,757 445,086 438,572 556,616 431,800 485,007 728,599
Diluted Income available to Common excluding Extraordinary Items 251,384 296,459 387,912 443,828 406,613 401,007 464,757 445,086 437,356 555,804 436,056 485,007 728,599
Shares used to calculate Diluted EPS - Total 3,720,211 3,948,977 3,948,977 4,027,823 4,255,018 4,284,438 4,289,886 4,292,065 4,702,857 4,910,977 4,917,515 4,917,515 4,917,515
EPS - Diluted - including Extraordinary Items Applicable to Common - Total 0.07 0.08 0.10 0.11 0.10 0.09 0.11 0.10 0.09 0.11 0.09 0.10 0.15
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total 0.07 0.08 0.10 0.11 0.10 0.09 0.11 0.10 0.09 0.11 0.09 0.10 0.15
EPS - Diluted - excluding Extraordinary Items - Normalized - Total 0.07 0.08 0.10 0.11 0.10 0.09 0.11 0.11 0.09 0.11 0.09 0.10 0.15
Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific 387,912 443,828 406,613 401,007 464,757 445,086 438,572 556,616 431,800 485,007 728,599
Earnings Allocation Factor - Diluted - Issue Specific 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00
Shares used to calculate Diluted EPS - Issue Specific 3,948,977 4,027,823 4,255,018 4,284,438 4,289,886 4,292,065 4,702,857 4,910,977 4,917,515 4,917,515 4,917,515
EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific 0.07 0.08 0.10 0.11 0.10 0.09 0.11 0.10 0.09 0.11 0.09 0.10 0.15
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific 0.07 0.08 0.10 0.11 0.10 0.09 0.11 0.10 0.09 0.11 0.09 0.10 0.15
EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific 0.07 0.08 0.10 0.11 0.10 0.09 0.11 0.11 0.09 0.11 0.09 0.10 0.15
EPS - Diluted from Discontinued Operations & Extraordinary Items 0 0 0 0 0 0 0 0 0 0 0 0 0
Comprehensive Earnings Per Share - Diluted - Issue Specific 0.09 0.11 0.07 0.09 0.13
Share/Per Share - Dividends
DPS - Common - Gross - Issue - By Announcement Date 0.04 0.04 0.04 0.04 0.04 0.04 0.03 0.03 0.03 0.03 0.03 0.03 0.04
DPS - Common - Net - Issue - By Announcement Date 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03 0.03
DPS - Special - Gross - Issue - By Announcement Date 0.01
DPS - Special - Net - Issue - By Announcement Date 0.01
EBIT/EBITDA & related
Earnings before Interest & Taxes (EBIT) 438,522 675,808 448,641 527,847 518,888 517,104 560,870 556,714 541,801 716,413 512,235 671,454 847,441
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) 495,990 746,097 528,017 609,459 599,742 597,618 642,608 641,200 632,963 854,239 633,713 798,373 947,610
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) and Operating Lease Payments 631,171 895,829
Depreciation/Amortization - Income Statement
Depreciation & Amortization - Supplemental 57,468 70,288
Depreciation Expense - Total - Supplemental 57,468 70,288
Amortization - Total - Supplemental 7,923.3 7,951.2 6,576.2 5,877.3
Intangible Amortization - Other - Supplemental 7,923.3 7,951.2 6,576.2 5,877.3
Depreciation/Amortization - Total
Depreciation, Depletion & Amortization - Total 57,468 70,288 79,376 81,612 80,854 80,514 81,738 84,486 91,162 137,825 121,479 126,918 100,170
Depreciation - Total 57,468 70,288
Amortization of Intangible Assets excluding Goodwill - Total 7,923.3 7,951.2
Labor & Related Expenses
Labor & Related Expenses - Total 203,049 239,974 248,375 251,065 267,108 274,089 283,765 275,935 288,878 335,654 363,145 376,307 359,249
Labor & Related Expenses - Supplemental 203,049 239,974 248,375 251,065 267,108 274,089 283,765 275,935 288,878 335,654 363,145 376,307 359,249
Normalized
Normalized after Tax Profit 255,095 300,876 402,003 460,439 407,131 404,108 480,291 463,313 440,947 560,442 440,957 489,678 732,848
Normalized Net Income from Continuing Operations 255,095 300,876 402,003 460,439 407,131 404,108 480,291 463,313 440,947 560,442 440,957 489,678 732,848
Normalized Net Income - Bottom Line 251,384 296,459 398,444 456,121 406,613 401,007 475,548 456,959 437,356 555,804 436,056 485,007 728,599
Earnings before Interest & Taxes (EBIT) - Normalized 311,096 373,245 476,919 558,425 518,888 517,104 575,877 581,574 566,620 741,226 519,738 681,142 944,998
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized 368,564 443,533 556,295 640,037 599,742 597,618 657,615 666,060 657,782 879,052 641,216 808,061 1,045,168
Loan Losses
Loan Losses - Actual 28,277 39,379
Other
Rental/Operating Lease Expense 135,181 149,733
Advertising Expenses - Supplemental 34,564 31,758 24,113 24,125
Interest & Dividend Income after Loan Loss Provision - Net - Finance 448,322 548,341 582,579 653,650 721,326 762,361 793,206 879,846 968,666 1,161,215 893,915 1,147,078 1,397,390
Revenue after Loan Provisions - Net - Finance 745,196 844,824 882,788 900,869 973,422 1,062,732 1,129,074 1,233,476 1,421,985 1,835,886 1,378,861 1,452,421 1,732,245
Commissions & Fees from Securities Activities 75,984 73,585 56,176 55,424 70,491 79,474 69,944
Foreign Exchange Gain/(Loss) 48,979 40,924 39,901 48,179 45,239 33,978 41,122 46,601 40,440 40,795 43,464 48,419 48,144
Interest Expense 296,874 296,483 300,209 247,219 252,096 300,370 335,868 353,630 453,319 674,671 484,946 305,343 334,855
Investment Gain/(Loss) 65,468 68,161 140,794 114,832 30,700 28,832 114,998 21,325 15,070 78,962 161,635 33,309 20,807
Non-Interest Expense - Bank 330,475 542,538 560,090 599,455 675,321 700,893 721,458 740,241 774,960 909,431 963,720 1,020,708 969,263
Operating Expenses 279,807 289,685 647,176 680,217 738,593 788,334 826,845 828,579 889,458 1,041,729 1,535,958 1,297,170 1,235,463
Selling, General & Administrative Expenses excluding Research & Development Expenses 203,049 239,974 467,121 491,347 470,358 476,286 541,584 545,357 513,827 620,426 657,735 701,473 704,389
Company Fundamentals - Balance Sheet
CF Template BNK
Scaling Thousands
Period Annual
Statement Data 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
Period End Date 31-12-2010 31-12-2011 31-12-2012 31-12-2013 31-12-2014 31-12-2015 31-12-2016 31-12-2017 31-12-2018 31-12-2019 31-12-2020 31-12-2021 31-12-2022
Avg. FX Rate
Balance Sheet - Standardized (Currency: US Dollar)
Field Name 31-12-2010 31-12-2011 31-12-2012 31-12-2013 31-12-2014 31-12-2015 31-12-2016 31-12-2017 31-12-2018 31-12-2019 31-12-2020 31-12-2021 31-12-2022
Assets
Cash & Short-Term Deposits Due from Banks - Total 3,360,944 2,424,161 3,471,641 6,089,227 5,594,927 5,344,158 5,553,098 5,824,279 5,135,182 5,036,545 5,439,804 5,961,365 3,996,443
Cash & Short-Term Deposits Due from Banks 416,021 511,418 567,983 579,130 858,704 760,789 720,192 702,963 829,731 932,991 774,339 689,214 711,568
Funds with Central Banks 2,944,923 1,912,743 2,903,658 5,510,097 4,736,223 4,583,369 4,832,906 5,121,316 4,305,451 4,103,554 4,665,466 5,272,151 3,284,875
Lending & Long-Term Deposits Due from Banks 1,681,916 1,017,904 1,134,089 664,323 625,899 749,254 772,271 660,144 418,887 485,864 1,061,237 966,052 1,031,238
Inter-Bank Loans & Long-Term Deposits with Other Banks 1,681,916 1,017,904 1,134,089 664,323 625,899 749,254 772,271 660,144 418,887 485,864 1,061,237 966,052 1,031,238
Collateralized Agreements, Reverse REPOs & Securities Borrowed - Assets 472,480 400,908 405,124 316,984 2,443.0
Securities Purchased under REPOs & Federal Funds Sold 472,480 400,908 405,124 316,984 2,443.0
Securities Purchased under REPOs 472,480 400,908 405,124 316,984 2,443.0
Loans & Receivables - Total 6,492,230 7,682,964 13,046,501 14,441,560 18,028,089 18,762,431 21,138,946 24,205,635 25,883,267 29,184,758 29,378,025 29,018,886 30,710,832
Banking Related Loans - Net 6,457,208 7,644,896 12,793,904 14,266,374 17,819,374 18,541,215 20,909,320 23,948,616 25,661,178 28,937,335 29,128,036 28,803,844 30,389,815
Loans - Gross 7,050,241 8,266,362 13,189,466 14,619,202 18,175,911 18,945,075 21,351,884 24,447,586 26,220,202 29,589,141 30,206,374 29,979,015 31,556,619
Loans - Consumer & Installment 615,070 613,523 692,961 1,743,923 1,886,237 2,050,643 2,147,665 2,544,699 2,480,775 2,495,195 2,832,567
Loans - Commercial & Industrial 10,098,708 11,477,575 14,473,251 14,962,516 17,031,700 19,733,798 21,571,431 24,106,614 24,556,092 24,242,891 25,583,905
Loans - to Customers - Other - Gross 136,893 129,795 239,531 116,695 91,709 346,639 98,056 225,489 241,950 234,399 299,533
Loans - Mortgage/Real Estate 2,338,795 2,398,310 2,770,168 2,121,940 2,342,239 2,316,506 2,403,049 2,712,340 2,927,557 3,006,531 2,840,614
Unearned Income - Customers 123,539 134,597 124,970 68,199 50,257 54,989 65,720 85,519 122,546 138,993 104,416 120,769 129,136
Reserves for Loan Losses 234,747 243,435 270,593 284,629 306,279 348,870 376,844 413,450 436,478 512,813 973,922 1,054,403 1,037,668
Interest Receivables - Bank 35,022 38,068 134,504 122,087 151,196 153,348 163,482 193,049 161,692 190,938 187,086 153,383 201,473
Income Tax - Receivables 7,014.9 7,667.6 8,323.8 7,775.9 9,930.9 6,873.6 4,236.1 5,891.9
Receivables - Other 118,093 53,099 57,520 60,853 58,476 55,646 52,621 46,555 56,030 57,423 113,652
Investments - Total 5,168,577 4,144,554 5,113,192 4,580,798 6,912,983 6,322,559 6,203,152 6,143,686 6,508,443 6,974,748 8,585,690 9,706,060 9,664,200
Investment Securities - Available for Sale, Held to Maturity & Held for Trading - Total 5,168,577 4,144,554 5,050,232 4,544,805 6,894,927 6,306,930 6,189,653 6,140,985 6,508,443 6,971,668 8,582,566 9,702,824 9,662,888
Investment Securities - Held for Trading 401,284 403,380 672,592 470,678 1,157,341 268,529 354,527 199,752
Investment Securities Available for Sale & Held to Maturity 4,767,293 3,741,174 4,377,640 4,074,127 5,737,587 6,038,401 5,835,126 5,941,233 6,189,766 6,495,755 7,807,519 9,284,428 9,265,313
Investment Securities - Available for Sale - Total 2,579,028 1,691,802 2,561,741 1,951,634 1,132,447 898,188 488,953 465,074 709,091 1,064,265 2,711,643 2,642,499 1,711,281
Government Securities - Available for Sale/Held to Maturity 3,700,634 3,540,343 5,001,676 5,061,962 4,003,612 4,412,110
Investment Securities - Designated at Fair Value - Other 318,677 475,913 775,047 418,396 397,575
Investment Property 62,960 35,993 18,056 15,629 13,499 2,701.2 3,080.0 3,124.4 3,235.9 1,311.3
Investment Property - Gross 121,409 63,534 47,151 45,394 43,665 3,741.7
Investment Property - Accumulated Depreciation & Impairment 58,449 27,541 29,095 29,765 30,166 1,040.5
Investments in Associates, Joint Ventures and Unconsolidated Subsidiaries 57,483 70,084 89,734 94,118 106,905 137,591 137,573 127,779 107,852 133,189 156,426 140,518 129,819
Property, Plant & Equipment - Net - Total 328,031 341,608 302,877 275,073 285,140 273,475 278,638 301,259 309,739 468,865 392,252 343,695 347,674
Property, Plant & Equipment - Gross - Total 685,881 680,818 627,457 588,506 625,408 603,753 589,076 668,187 685,973 950,227 923,891 905,687 907,167
Property, Plant & Equipment - Accumulated Depreciation & Impairment - Total 357,850 339,210 324,579 313,433 340,268 330,277 310,438 366,929 376,234 481,362 531,639 561,993 559,493
Assets Held for Sale/Discontinued Operations - Long-Term & Short-Term 269,860 208,906 167,935 131,891 112,134 93,497 73,993 71,593 64,094 62,290 61,883 64,366 67,541
Insurance Related Assets - Bank 273,115 279,516 327,993 328,736 367,486 347,974 329,426 348,280 316,028 351,234 390,044 344,440 342,375
Other Assets - Total 2,494,958 3,072,505 300,585 273,248 320,916 256,951 286,810 363,867 466,857 381,027 597,188 596,470 440,776
Deferred Tax - Asset - Long-Term & Short-Term 115,127 98,995 124,043 139,193 127,777 137,164 152,202 161,894 162,683 191,629 365,028 310,237 300,916
Prepaid Expenses - Total 14,801 16,340 16,358 53,412 68,323 65,050 48,675 47,878 51,010 56,933 55,290
Other Assets 2,379,830 2,973,510 161,741 117,715 176,782 66,375 66,285 136,923 255,498 141,520 181,150 229,300 84,570
Intangible Assets - Total - Net 69,861 61,844 52,156 43,795 47,136 49,103 58,510 55,222 52,697 39,008 41,602
Intangible Assets - excluding Goodwill - Net - Total 69,861 61,844 52,156 43,795 47,136 49,103 58,510 55,222 52,697 39,008 41,602
Intangible Assets - Other - Net 69,861 61,844 52,156 43,795 47,136 49,103 58,510 55,222 52,697 39,008 41,602
Total Assets
Total Assets 20,127,114 19,242,201 24,024,409 26,940,816 32,406,637 32,331,684 34,821,042 38,095,624 39,741,338 43,534,650 46,520,371 47,497,843 46,774,942
Liabilities
Deposits - Total 16,638,849 15,687,349 19,753,792 22,488,618 26,486,101 27,386,738 29,047,176 31,423,255 30,430,055 33,693,741 35,925,349 38,498,353 37,823,657
Deposits - Non-Interest Bearing 2,762,503 2,997,237 3,635,504 4,049,606 4,462,346 4,575,629 4,671,704 5,047,082 4,884,296 5,370,582 6,558,071 7,238,262 6,760,140
Deposits - Interest Bearing 13,734,540 12,556,565 15,927,384 18,230,899 21,821,743 22,624,776 24,209,024 26,211,297 25,337,660 28,101,145 29,188,169 31,105,472 30,890,318
Deposits - Due to Banks & Financial Institutions 141,806 133,546 190,905 208,114 202,011 186,333 166,448 164,876 208,100 222,014 179,109 154,619 173,199
Deposits - Demand Deposits - Due to Banks & Financial Institutions 95,966 94,337 141,283 161,889 186,659 177,143 152,929 140,505 132,095 163,850 148,052 135,929 121,340
Deposits - Other - Due to Banks & Financial Institutions 45,840 39,210 49,622 46,225 15,352 9,189.8 13,519 24,371 76,005 58,164 31,056 18,690 51,859
Trading Liabilities 122,141 109,934 142,087 368,718 778,682 68,571 62,794 95,804 74,157 56,802 117,830 71,230 77,187
Debt - Total 684,575 551,176 762,741 590,016 737,274 446,503 1,250,489 1,671,109 3,180,884 3,133,129 3,327,598 2,007,551 1,932,782
Short-Term Debt & Current Portion of Long-Term Debt 569,975 436,995 640,819 590,016 737,274 446,503 1,250,489 1,671,109 3,180,884 3,007,345 3,201,812 1,912,630 1,812,826
Short-Term Debt & Notes Payable 569,975 436,995 640,819 590,016 737,274 446,503 1,250,489 1,671,109 3,180,884 2,978,026 3,164,903 1,863,875 1,751,446
Short-Term Banking Borrowings excluding Collateralized Financing 569,975 436,995 640,819 590,016 737,274 446,503 1,250,489 1,671,109 3,180,884 2,978,026 3,164,903 1,863,875 1,751,446
Current Portion of Long-Term Debt including Capitalized Leases 29,319 36,909 48,755 61,380
Capitalized Leases - Current Portion 29,319 36,909 48,755 61,380
Debt - Long-Term - Total 114,600 114,181 121,921 0 125,785 125,786 94,921 119,957
Long-Term Debt excluding Capitalized Leases 114,600 114,181 121,921 0
Debt - Non-Convertible - Long-Term 114,600 114,181 121,921 0
Capitalized Lease Obligations - Long-Term 125,785 125,786 94,921 119,957
Income Taxes - Payable - Long-Term & Short-Term 12,179 11,023 11,199 11,986 12,845 20,967 12,581 12,395 15,807
Dividends Payable 0 75,458 71,491 70,953 77,244
Payables & Accrued Expenses 117,328 91,916 117,508 110,593 604,335 554,115 513,469 558,817 631,084 661,204 596,334 489,900 503,718
Other Payables - Total 479,263 432,900 375,189 416,412 458,472 466,436 410,914 324,907 313,544
Accrued Expenses 117,328 91,916 117,508 110,593 125,073 121,215 138,280 142,406 172,613 194,768 185,420 164,993 190,174
Other Liabilities - Total 467,316 507,536 592,465 703,854 207,285 220,448 191,005 300,598 273,242 300,592 368,965 370,210 409,161
Deferred Revenue/Income 9,363.1 7,313.4 5,569.1 8,363.9 15,437 31,116 56,613 80,977 60,032
Other Liabilities 467,316 507,536 592,465 703,854 197,922 213,134 185,436 292,234 257,804 269,477 312,352 289,233 349,129
Insurance Liabilities 211,162 226,924 263,180 294,366 303,039 312,324 289,897 290,394 267,886 277,611 298,834 259,698 267,990
Total Liabilities
Total Liabilities 18,241,371 17,174,834 21,631,773 24,556,164 29,128,894 29,075,181 31,437,519 34,422,915 34,947,399 38,144,047 40,647,490 41,709,335 41,030,304
Shareholders' Equity
Shareholders' Equity - Attributable to Parent Shareholders - Total 1,857,231 2,035,899 2,357,864 2,355,984 3,219,285 3,204,350 3,332,069 3,615,423 4,736,440 5,322,349 5,828,682 5,747,401 5,707,239
Common Equity Attributable to Parent Shareholders 1,857,231 2,035,899 2,357,864 2,355,984 3,219,285 3,204,350 3,332,069 3,615,423 4,736,440 5,322,349 5,828,682 5,747,401 5,707,239
Common Stock - Treasury/Repurchased 593,551
Common Equity - Contributed 1,005,707 1,002,032 1,069,959 988,934 1,533,251 1,465,330 1,390,242 1,382,776 2,270,669 2,358,302 2,495,501 2,354,677 2,754,015
Common Stock - Issued & Paid 815,081 812,103 867,154 801,510 877,587 837,633 793,156 787,082 856,890 888,430 938,242 885,095 883,654
Common Stock - Additional Paid in Capital including Option Reserve 190,626 189,929 202,804 187,424 655,665 627,697 597,086 595,694 1,413,779 1,469,872 1,557,259 1,469,582 1,870,361
Equity - Non-Contributed - Reserves & Retained Earnings 851,524 1,033,866 1,287,905 1,367,050 1,686,034 1,739,019 1,941,827 2,232,647 2,465,771 2,964,047 3,333,181 3,392,724 3,546,776
Retained Earnings - Total 820,193 1,000,480 1,214,192 1,400,428 1,711,173 1,785,949 1,989,588 2,329,372 2,429,179 2,911,352 3,447,386 3,551,696 3,791,288
Comprehensive Income - Accumulated - Total 34,626 -71,242 -72,022 -101,578 -102,464 -101,807 -41,471 -48,154 -122,870 -170,033 -256,080
Comprehensive Income - Other - Total 34,626 -71,242 -72,022 -101,578 -102,464 -101,807 -41,471 -48,154 -122,870 -170,033 -256,080
Other Reserves/Equity - Total 31,332 33,387 39,088 37,863 46,883 54,648 54,702 5,082.3 78,064 100,849 8,664.9 11,061 11,568
Common Equity - Total 1,857,231 2,035,899 2,357,864 2,355,984 3,219,285 3,204,350 3,332,069 3,615,423 4,736,440 5,322,349 5,828,682 5,747,401 5,707,239
Minority Interest - Equity 28,512 31,468 34,772 28,668 58,458 52,154 51,454 57,286 57,500 68,253 44,199 41,106 37,399
Total Shareholders' Equity
Total Shareholders' Equity - including Minority Interest & Hybrid Debt 1,885,744 2,067,367 2,392,636 2,384,652 3,277,743 3,256,503 3,383,523 3,672,709 4,793,939 5,390,602 5,872,881 5,788,508 5,744,638
Total Liabilities & Shareholders' Equity
Total Liabilities & Equity 20,127,114 19,242,201 24,024,409 26,940,816 32,406,637 32,331,684 34,821,042 38,095,624 39,741,338 43,534,650 46,520,371 47,497,843 46,774,942
Share/Per Share - Common
Common Shares - Issued - Total 3,949,372 3,949,372 3,949,372 3,954,622 4,284,671 4,284,678 4,289,934 4,292,515 4,906,019 4,911,055 4,917,625 4,917,655 5,360,241
Common Shares - Outstanding - Total 3,949,372 3,949,372 3,949,372 3,954,622 4,284,671 4,284,678 4,289,934 4,292,515 4,906,019 4,911,055 4,917,625 4,917,655 4,917,655
Common Shares - Treasury - Total 0 0 0 0 0 0 0 0 0 0 0 0 442,586
Common Shares - Authorized - Issue Specific 53,392,028 53,392,028 53,392,028 53,392,028 53,392,028 53,392,028 53,392,028 54,481,661 54,481,661
Common Shares - Issued - Issue Specific 3,949,372 3,949,372 3,949,372 3,954,622 4,284,671 4,284,678 4,289,934 4,292,515 4,906,019 4,911,055 4,917,625 4,917,655 5,360,241
Common Shares - Outstanding - Issue Specific 3,949,372 3,949,372 3,949,372 3,954,622 4,284,671 4,284,678 4,289,934 4,292,515 4,906,019 4,911,055 4,917,625 4,917,655 4,917,655
Common Shares - Treasury - Issue Specific 0 0 0 0 0 0 0 0 0 0 0 0 442,586
Share/Per Share - Other
Asset Allocation Factor - Issue Specific 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00
Right of Use Liabilities
Finance and Operating Lease Liabilities - Total 155,104 162,695 143,675 181,336
Debt Related
Net Debt -2,676,369 -1,872,985 -2,708,900 -5,499,211 -4,857,654 -4,897,655 -4,302,609 -4,153,170 -1,954,298 -1,903,416 -2,112,206 -3,953,814 -2,063,661
Other
Minority Interest - Total 28,512 31,468 34,772 28,668 58,458 52,154 51,454 57,286 57,500 68,253 44,199 41,106 37,399
Cash & Cash Equivalents - Total 3,360,944 2,424,161 3,471,641 6,089,227 5,594,927 5,344,158 5,553,098 5,824,279 5,135,182 5,036,545 5,439,804 5,961,365 3,996,443
Cash & Securities 8,529,521 6,568,714 8,584,833 10,670,025 12,507,911 11,666,716 11,756,250 11,967,965 12,116,104 12,412,201 14,430,619 15,984,409 13,663,086
Cash & Short Term Investments - Total 3,360,944 2,424,161 3,471,641 6,089,227 5,594,927 5,344,158 5,553,098 5,824,279 5,135,182 5,036,545 5,439,804 5,961,365 3,996,443
Debt - including Preferred Equity & Minority Interest - Total 713,087 582,644 797,513 618,684 795,732 498,657 1,301,943 1,728,395 3,238,384 3,201,382 3,371,798 2,048,657 1,970,181
Demand Deposits - Total 95,966 94,337 141,283 161,889 186,659 177,143 152,929 140,505 132,095 163,850 148,052 135,929 121,340
Earning Assets 16,668,645 15,231,514 22,512,826 25,600,721 30,953,184 30,957,186 33,437,842 36,576,725 38,196,169 41,835,400 44,619,892 45,754,305 45,084,139
Invested Assets - Total 5,168,577 4,144,554 5,113,192 4,580,798 6,912,983 6,322,559 6,203,152 6,143,686 6,508,443 6,974,748 8,585,690 9,706,060 9,664,200
Investment Securities 5,168,577 4,144,554 5,050,232 4,544,805 6,894,927 6,306,930 6,189,653 6,140,985 6,508,443 6,971,668 8,582,566 9,702,824 9,662,888
Investments - Permanent 57,483 70,084 152,694 130,110 124,961 153,220 151,072 130,480 107,852 136,269 159,550 143,754 131,130
Net Book Capital -790,626 194,382 -316,264 -3,114,559 -1,579,911 -1,641,151 -919,086 -480,461 2,839,642 3,487,187 3,760,675 1,834,693 3,680,977
Net Operating Assets -790,626 194,382 -316,264 -3,114,559 -1,579,911 -1,641,151 -919,086 -480,461 2,839,642 3,487,187 3,760,675 1,834,693 3,680,977
Shareholders Equity - Common 1,857,231 2,035,899 2,357,864 2,355,984 3,219,285 3,204,350 3,332,069 3,615,423 4,736,440 5,322,349 5,828,682 5,747,401 5,707,239
Tangible Total Equity 1,885,744 2,067,367 2,322,775 2,322,808 3,225,587 3,212,708 3,336,387 3,623,607 4,735,430 5,335,380 5,820,183 5,749,500 5,703,036
Tangible Book Value 1,857,231 2,035,899 2,288,003 2,294,140 3,167,128 3,160,554 3,284,933 3,566,321 4,677,930 5,267,127 5,775,984 5,708,394 5,665,637
Total Book Capital 2,541,806 2,587,075 3,120,605 2,946,000 3,956,559 3,650,853 4,582,558 5,286,532 7,917,324 8,455,479 9,156,280 7,754,952 7,640,022
Total Capital 2,570,319 2,618,543 3,155,377 2,974,668 4,015,017 3,703,006 4,634,012 5,343,818 7,974,824 8,523,731 9,200,479 7,796,058 7,677,421
Total Long Term Capital 1,885,744 2,067,367 2,392,636 2,384,652 3,277,743 3,256,503 3,383,523 3,672,709 4,793,939 5,390,602 5,872,881 5,788,508 5,744,638
Trading Account 523,424 513,314 814,679 839,396 1,936,022 337,100 417,321 295,556 74,157 56,802 117,830 71,230 77,187
Unearned Revenue - Total 9,363.1 7,313.4 5,569.1 8,363.9 15,437 31,116 56,613 80,977 60,032
Book Value excluding Other Equity 1,825,900 2,002,512 2,318,776 2,318,120 3,172,402 3,149,701 3,277,366 3,610,341 4,658,376 5,221,500 5,820,017 5,736,340 5,695,671
Shareholders
Common Shareholders - Number 12,111 11,858 11,754 11,596 11,463 12,169 12,396 12,306
Operating Lease Maturity
Operating Lease Payments - Total 3,425.7 3,329.6 4,477.6 3,551.3 6,903.2 7,204.1
Operating Lease Payments - Due in Year 1 1,510.0 1,318.4 1,577.8 1,311.6 1,800.8 2,039.3
Operating Lease Payments - Due in Year 5 1,915.7 2,011.2 2,686.6 2,038.0 3,721.7 4,078.5
Operating Lease Payments - Remaining Maturities 213.2 201.8 1,380.6 1,086.3
Operating Lease Payments - Due in Year 6 & Beyond 213.2 201.8 1,380.6 1,086.3
Risk Related
Credit Exposure 3,586,881 28,502,457 34,247,553 33,226,738 35,515,789 40,317,846 43,764,532
Assets Under Management (AUM) 18,019,995 13,071,895 13,832,402 13,539,446 11,380,375 11,825,440 11,263,579 14,432,379 17,787,961 17,297,509 15,717,622
Capital Adequacy
Capital Adequacy - Total (Value) 2,210,534 2,178,386 2,871,933 2,844,414 3,006,316 3,331,192 4,464,265 4,978,124 5,429,348 5,443,322 5,438,082
Capital Adequacy - Tier 1 (Value) 2,026,945 2,109,894 2,702,570 2,659,787 2,798,503 3,097,445 4,214,294 4,700,158 5,146,220 5,152,147 5,133,986
Capital Adequacy - Tier 2 (Value) 183,589 68,492 169,363 184,627 207,813 233,748 249,971 277,966 283,129 291,175 304,096
Capital Adequacy - Total (%) 14.2% 13.7% 14.9% 13.6% 13.0% 12.7% 16.1% 16.1% 17.1% 16.7% 16.0%
Capital Adequacy - Tier 1 (%) 13.0% 13.3% 14.0% 12.7% 12.1% 11.8% 15.2% 15.2% 16.2% 15.8% 15.1%
Risk Weighted Assets 15,578,111 15,901,871 19,345,430 20,927,868 23,120,846 26,150,169 27,744,349 30,974,432 31,817,788 32,653,246 33,960,158
Liquidity Coverage Ratio - Basel 3 - % 160.9% 167.1% 231.9% 220.7% 194.5%
Leverage Ratio - Basel 3 - % 10.4% 10.7% 10.9% 10.6% 10.7%
Net Stable Funding Ratio - Basel 3 - % 122.7% 130.7% 153.6% 154.9% 148.8%
Nonperforming Loans/Assets
Loans - Non-Performing & Impaired 426,707 401,050 389,275 425,614 410,109 428,969 470,958 1,259,300 1,092,293 920,190
Loans - Impaired -Total 428,969 470,958 1,259,300 1,092,293 920,190
Loans - Performing - Not Impaired & Not Past Due 25,829,808 29,169,911 24,734,305 32,469,308 33,452,452
Impaired Assets - Total 428,969 470,958 1,259,300 1,092,293 920,190
Loans - Stage 1 - Gross, Total 24,808,691 27,441,994 20,914,080 28,946,440 30,747,925
Loans - Stage 2 - Gross, Total 1,021,117 1,727,917 3,820,225 3,522,867 2,704,527
Loans - Stage 3 - Gross, Total 428,969 470,958 1,259,300 1,092,293 920,190
Employees
Employees - Full-Time/Full-Time Equivalents - Period End 13,024 14,542 14,647 15,201 17,047 18,909 21,429 19,952 18,619 17,573
Employees - Full-Time/Full-Time Equivalents - Current Date 13,024 14,542 14,647 15,201 17,047 18,909 21,429 19,952 18,619 17,573
Company Fundamentals - Cash Flow
CF Template BNK
Scaling Thousands
Period Annual
Statement Data 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
Period End Date 31-12-2010 31-12-2011 31-12-2012 31-12-2013 31-12-2014 31-12-2015 31-12-2016 31-12-2017 31-12-2018 31-12-2019 31-12-2020 31-12-2021 31-12-2022
Avg. FX Rate 0.02222275510685 0.02312115347817 0.02372258236746 0.02359408286669 0.02254074514721 0.02199225382128 0.02107739846252 0.01985570705769 0.01900389292658 0.01932491616263 0.02016910520599 0.020310177506 0.01839663153965
Cash Flow - Standardized (Currency: US Dollar)
Field Name 31-12-2010 31-12-2011 31-12-2012 31-12-2013 31-12-2014 31-12-2015 31-12-2016 31-12-2017 31-12-2018 31-12-2019 31-12-2020 31-12-2021 31-12-2022
Operating Cash Flow - Indirect
Profit/(Loss) - Starting Line - Cash Flow 311,096 373,245 466,386 546,132 518,888 517,104 565,085 569,700 570,098 742,753 514,776 681,142 944,998
Non-cash Items & Reconciliation Adjustments - Cash Flow -428,055 -516,087 -539,048 -619,982 -682,263 -767,090 -769,515 -853,835 -891,739 -1,032,144 -774,110 -1,036,733 -1,413,910
Equity Income/(Loss) in Net Earnings - Cash Flow - to Reconcile -4,333.4 -4,994.2 -3,273.7 -13,921 -5,793.0 -13,789 -17,157 -15,329 -13,303 -7,188.9 -9,822.4 -22,057 -19,408
Other Non-Cash Items & Reconciliation Adjustments - Cash Flow - to Reconcile -557,947 -631,092 -684,491 -750,150 -821,069 -921,981 -936,216 -998,960 -1,062,679 -1,275,870 -1,451,449 -1,407,536 -1,560,494
Depreciation, Depletion & Amortization including Impairment - Cash Flow - to Reconcile 57,468 70,288 79,376 81,612 80,854 80,514 81,738 84,486 91,162 137,825 121,479 126,918 100,170
Depreciation & Depletion - Property, Plant & Equipment - Cash Flow - to Reconcile 57,468 70,288 79,376 81,612 80,854 80,514 81,738 84,486 91,162 137,825 121,479 126,918 100,170
Loan Loss Provision including Impairment - Increase/(Decrease) - Cash Flow 76,757 49,710 69,341 62,477 63,272 87,441 101,172 75,352 93,556 112,510 564,735 266,774 168,642
Assets Sale - Gain/(Loss) - Cash Flow - to Reconcile -99,195
Property, Plant & Equipment including Intangible Assets - Gain/(Loss) - Cash Flow -99,195
Financial Assets - Unrealized Gain/(Loss) - Cash Flow - to Reconcile -3,477.0
Share Based Payments - Cash Flow - to Reconcile 0 473.4 725.7 948.5 615.5 -475.1 579.8 948.0 -832.7 -147.2
Income Taxes - Paid/(Reimbursed) - Cash Flow 59,335 56,462 70,243 123,704 101,433 128,721 118,982 129,161 135,213 200,264 233,982 152,265 238,016
Interest Paid - Cash 289,540 309,361 294,587 257,931 250,585 297,093 331,252 347,376 445,451 682,170 519,718 311,802 317,121
Interest & Dividends - Received - Total - Cash Flow 826,109 936,800 976,872 1,001,215 1,037,010 1,178,873 1,254,168 1,328,029 1,478,332 1,939,642 1,989,279 1,736,114 1,820,052
Cash Flow from Operating Activities before Changes in Working Capital 360,275 428,134 539,380 545,731 521,615 503,073 599,504 567,357 576,027 767,818 976,245 916,456 796,004
Working Capital - Increase/(Decrease) - Cash Flow 3,073,718 -1,437,881 1,007,000 2,412,094 105,017 752,157 -503,370 -425,627 -2,561,440 -121,805 825,078 3,277,799 -1,593,645
Lending & Deposits - Due from Banks - Long-Term - Decrease/(Increase) - Cash Flow 453,411 89,225 -113,718 14,295 27,738 11,814 -15,602 36,679 6,454.1 -44,012 -48,052
Investment Securities - Decrease/(Increase) - Operating - Cash Flow 928,022 -16,670 -234,545 409,239 -252,862 170,352 -137,151 184,102 -42,892 -163,721 -267,644 327,684 -14,736
Loans - Customer - Decrease/(Increase) - Cash Flow -1,220,185 -1,789,993 -1,756,634 -2,604,055 -3,773,163 -1,674,490 -3,613,973 -3,275,338 -2,928,063 -2,416,156 805,171 -1,682,434 -4,260,163
Other Assets - Decrease/(Increase) - Cash Flow -244,717 1,205,005 -59,710 37,444 -68,591 56,366 -27,738 -90,760 -132,571 121,708 -65,792 -80,246 -49,487
Deposits - Increase/(Decrease) - Total - Cash Flow 3,119,230 -900,523 2,882,057 4,396,238 4,198,507 2,182,313 3,284,702 2,609,993 500,106 2,097,855 417,037 4,848,933 2,622,164
Deposits - Due to Banks & Financial Institutions - Increase/(Decrease) - Cash Flow 1,488.9 -6,543.3 7,520.1 377.5 -30,746 -5,630.0 5,037.5 10,881 52,641 -20,117 -3,025.4 -4,712.0 30,906
Deposits - Customers - Increase/(Decrease) - Cash Flow 3,117,741 -893,979 2,874,536 4,395,861 4,229,252 2,187,943 3,279,664 2,599,112 447,466 2,117,972 420,062 4,853,645 2,591,258
Other Liabilities - Increase/(Decrease) -Total - Cash Flow 37,956 -24,925 175,832 173,228 114,845 3,320.8 -36,949 134,562 57,582 201,829 -70,148 -92,127 156,629
Net Cash Flow from Operating Activities 3,433,993 -1,009,747 1,546,380 2,957,825 626,633 1,255,230 96,134 141,730 -1,985,413 646,013 1,801,323 4,194,255 -797,641
Investing Cash Flow
Capital Expenditures - Net - Cash Flow 56,246 75,051 65,190 60,330 77,405 33,054 86,607 83,215 95,932 258,954 15,490 97,611 8,407.3
Property, Plant & Equipment - Purchased/(Sold) - Net - Cash Flow 56,246 75,051 65,190 60,330 77,405 33,054 86,607 83,215 95,932 258,954 15,490 97,611 8,407.3
Property, Plant & Equipment - Purchased - Cash Flow 56,246 75,051 65,190 77,405 33,054 86,607 83,215 95,932 258,954 15,490 97,611 30,483
Property, Plant & Equipment Sold - Cash Flow 22,076
Capital Expenditures - Total 56,246 75,051 65,190 60,330 77,405 33,054 86,607 83,215 95,932 258,954 15,490 97,611 30,483
Investments excluding Loans - Decrease/(Increase) - Cash Flow -1,307,920 1,036,753 -463,492 -101,620 -1,717,244 -593,087 -115,378 -139,566 -490,814 -85,030 -938,005 -2,069,546 -763,258
Investment Property excluded from Capital Expenditures - Sold/(Purchased) - Net - Cash Flow -284.7 21,447 15,981 0 -737.7 0 19.00 -1,101.5 121.0 -243.7 86,851
Investment Securities - Unclassified - Sold/(Purchased) - Net - Total - Cash Flow -1,307,920 1,036,753 -463,207 -123,067 -1,733,226 -593,087 -114,640 -139,566 -490,833 -83,928 -938,126 -2,069,302 -850,108
Investment Securities - Sold/Matured - Unclassified - Cash Flow 901,582
Investment Securities - Purchased - Unclassified - Cash Flow 1,751,690
Investments - Associated Companies & Joint Ventures - Sold/(Purchased) - Cash Flow 9,044.7 -2,774.5 -569.3 -8,234.3 -2,141.4 -43,611 590.2 14,793 5,796.2 18,030 -38,846 29,084 12,767
Other Investing Cash Flow - Decrease/(Increase) -17,489 4,231.2 -14,566 22,084 -19,182 12,953 -2,866.5 1,151.6 6,917.4 -26,436 -9,701.3 16,329 8,720.0
Net Cash Flow from Investing Activities -1,372,611 963,158 -543,816 -148,100 -1,815,973 -656,799 -204,261 -206,837 -574,032 -352,390 -1,002,041 -2,121,743 -750,178
Financing Cash Flow
Dividends Paid - Cash - Total - Cash Flow 200,983 74,011 269,963 75,525 151,902 155,661 149,270 140,757 144,392 235,126 163,854 165,000 179,275
Dividends - Common - Cash Paid 200,983 74,011 269,963 75,525 151,902 155,661 149,270 140,757 144,392 235,126 163,854 165,000 179,275
Stock - Total - Issuance/(Retirement) - Net - Cash Flow 220,139 0 557,500 2,463.1 3,688.5 4,110.1 950,860 5,913.4 7,281.1 5,199.4 3,826.5
Stock - Issuance/(Retirement) - Net - Excluding Options/Warrants - Cash Flow 220,139 0 557,500 2,463.1 3,688.5 4,110.1 950,860 5,913.4 7,281.1 5,199.4 3,826.5
Stock - Common - Issuance/(Retirement) - Net - Cash Flow 220,139 0 557,500 2,463.1 3,688.5 4,110.1 950,860 5,913.4 7,281.1 5,199.4 3,826.5
Stock - Common - Issued/Sold - Cash Flow 220,139 0 557,500 2,463.1 3,688.5 4,110.1 950,860 5,913.4 7,281.1 5,199.4 3,826.5
Debt - Long-Term & Short-Term - Issuance/(Retirement) - Total - Cash Flow -158,693 -132,554 169,474 -120,330 153,548 -265,051 864,848 427,771 1,584,621 -338,862 -7,018.9 -1,194,401 15,453
Debt - Issued/(Reduced) - Short-Term - Total - Cash Flow -158,693 -132,554 169,474 -2,359.4 153,548 -265,051 864,848 427,771 1,584,621 -310,435 22,388 -1,155,812 45,329
Debt - Issued/(Reduced) - Long-Term - Cash Flow 0 -117,970 0 0 -28,427 -29,407 -38,589 -29,876
Debt - Issued - Long-Term - Cash Flow 0
Debt - Reduced - Long-Term - Cash Flow 117,970 0 0 28,427 29,407 38,589 29,876
Other Financing Cash Flow - Increase/(Decrease) 39,311 0
Net Cash Flow from Financing Activities -139,537 -206,564 -100,489 -195,854 598,457 -418,249 719,266 291,124 2,391,089 -568,075 -163,592 -1,354,201 -159,996
Change in Cash
Net Change in Cash - Total 1,921,846 -253,154 902,075 2,613,870 -590,883 180,183 611,139 226,018 -168,355 -274,452 635,690 718,310 -1,707,815
Net Cash from Continuing Operations 1,921,846 -253,154 902,075 2,613,870 -590,883 180,183 611,139 226,018 -168,355 -274,452 635,690 718,310 -1,707,815
Net Cash - Beginning Balance 1,728,833 3,697,420 3,681,078 4,259,342 6,698,816 5,832,793 5,685,163 6,217,780 6,139,299 6,184,995 6,229,286 6,483,350 6,573,612
Net Cash - Ending Balance 3,710,979 3,447,385 4,608,315 6,756,187 6,113,028 6,007,484 6,270,223 6,445,545 5,970,459 5,904,600 6,885,774 7,176,956 4,906,054
Supplemental
Income Taxes - Paid/(Reimbursed) - Cash Flow - Supplemental 59,335 56,462 70,243 123,704 101,433 128,721 118,982 129,161 135,213 200,264 233,982 152,265 238,016
Interest Paid - Cash Flow - Supplemental 289,540 309,361 294,587 257,931 250,585 297,093 331,252 347,376 445,451 682,170 519,718 311,802 317,121
Interest & Dividends - Received - Cash Flow - Supplemental 826,109 936,800 976,872 1,001,215 1,037,010 1,178,873 1,254,168 1,328,029 1,478,332 1,939,642 1,989,279 1,736,114 1,820,052
CF from Optg Activities before Change in WC & Int Payments 649,816 737,495 833,967 803,662 772,201 800,166 930,757 914,733 1,021,478 1,449,987 1,495,963 1,228,258 1,113,125
Cash Dividends Paid & Common Stock Buyback - Net -19,156 74,011 -405,598 153,198 145,582 136,647 -806,468 229,213 156,573 159,800 175,449
Common Stock Buyback - Net -220,139 0 -557,500 -2,463.1 -3,688.5 -4,110.1 -950,860 -5,913.4 -7,281.1 -5,199.4 -3,826.5
Depreciation, Depletion & Amortization - Cash Flow 57,468 70,288 79,376 81,612 80,854 80,514 81,738 84,486 91,162 137,825 121,479 126,918 100,170
Free Cash Flow to Equity 3,219,055 -1,217,352 1,650,665 2,777,165 702,775 957,125 874,375 486,286 -496,724 48,196 1,778,814 2,902,243 -790,595
Free Cash Flow Net of Dividends 3,176,765 -1,158,809 1,211,228 2,821,970 397,326 1,066,514 -139,743 -82,242 -2,225,736 151,932 1,621,979 3,931,644 -1,007,400
Free Cash Flow 3,377,748 -1,084,798 1,481,191 2,897,495 549,228 1,222,176 9,527.0 58,515 -2,081,344 387,059 1,785,833 4,096,644 -828,124
Dividends Provided/Paid - Common 136,070 148,022 151,026 159,476 155,661 149,354 140,797 154,008 156,783 163,854 179,664
Company Fundamentals - Pension
CF Template BNK
Scaling Thousands
Period Annual
Statement Data 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
Period End Date 31-12-2010 31-12-2011 31-12-2012 31-12-2013 31-12-2014 31-12-2015 31-12-2016 31-12-2017 31-12-2018 31-12-2019 31-12-2020 31-12-2021 31-12-2022
Avg. FX Rate 0.02222275510685 0.02312115347817 0.02372258236746 0.02359408286669 0.02254074514721 0.02199225382128 0.02107739846252 0.01985570705769 0.01900389292658 0.01932491616263 0.02016910520599 0.020310177506 0.01839663153965
Pension - Standardized (Currency: US Dollar)
Field Name 31-12-2010 31-12-2011 31-12-2012 31-12-2013 31-12-2014 31-12-2015 31-12-2016 31-12-2017 31-12-2018 31-12-2019 31-12-2020 31-12-2021 31-12-2022
Assumptions - Average
Discount Rate 10.8% 7.0% 5.3%
Discount Rate - Total Pension 10.8% 7.0% 5.3%
Discount Rate - Domestic 10.8% 7.0% 5.3%
Expected Rate of Return 10.0% 7.0%
Expected Rate of Return - Total Pension 10.0% 7.0%
Expected Rate of Return - Domestic 10.0% 7.0%
Compensation Rate 6.5% 6.5% 4.0%
Compensation Rate - Total Pension 6.5% 6.5% 4.0%
Compensation Rate - Domestic 6.5% 6.5% 4.0%
Asset Allocation - %
Net Assets Recognized on Balance Sheet - % Equity Securities 35.0% 50.0% 48.0% 47.0% 44.3% 60.2% 60.8% 47.0% 47.0% 41.4% 26.9% 37.7%
Net Assets Recognized on Balance Sheet - % Equity Securities - Total Pension 35.0% 50.0% 48.0% 47.0% 44.3% 44.2% 44.5% 47.0% 47.0% 41.4% 26.9% 37.7%
Equity Securities % - Domestic 35.0% 50.0% 48.0% 47.0% 44.3% 44.2% 44.5%
Equity Securities % - Post-Retirement 76.1% 77.2%
Net Assets Recognized on Balance Sheet - % Debt Securities 64.0% 49.0% 52.0% 53.0% 44.4% 27.6% 26.1% 31.0% 31.0% 47.3% 62.3% 52.5%
Net Assets Recognized on Balance Sheet - % Debt Securities - Total Pension 64.0% 49.0% 52.0% 53.0% 44.4% 43.8% 35.4% 31.0% 31.0% 47.3% 62.3% 52.5%
Debt Securities % - Domestic 64.0% 49.0% 52.0% 53.0% 44.4% 43.8% 35.4%
Debt Securities % - Post-Retirement 11.4% 16.9%
Net Assets Recognized on Balance Sheet - % Other Investments 1.0% 1.0% 0.0% 0.0% 11.3% 12.3% 13.0% 22.0% 22.0% 11.3% 10.8% 9.8%
Net Assets Recognized on Balance Sheet - % Other Investments - Total Pension 1.0% 1.0% 0.0% 0.0% 11.3% 12.0% 20.2% 22.0% 22.0% 11.3% 10.8% 9.8%
Other Investments % - Domestic 1.0% 1.0% 0.0% 0.0% 11.3% 12.0% 20.2%
Other Investments % - Post-Retirement 12.6% 5.9%
Funded Status
Funded Status - including Unfunded Plan Obligations -70,633 -27,812 -9,117.3 -22,132 -29,117 -26,632
Funded Status -70,633 -27,812 -9,117.3 -22,132 -29,117 -26,632
Funded Status - Total Pension -70,633 -27,812 -9,117.3 -22,132 -37,692 -40,178
Funded Status - Domestic -70,633 -27,812 -9,117.3 -22,132 -37,692 -40,178
Funded Status - Post-Retirement 8,575.6 13,546
Fair Value of Plan Assets 192,167 231,260 248,782 233,539 216,792 232,627
Fair Value of Plan Assets - Total Pension 192,167 231,260 248,782 233,539 203,475 214,299
Fair Value of Plan Assets - Domestic 192,167 231,260 248,782 233,539 203,475 214,299
Fair Value of Plan Assets - Post-Retirement 13,317 18,328
Projected Benefit Obligation - Total 262,800 259,071 257,899 255,672 245,909 259,259
Projected Benefit Obligation 262,800 259,071 257,899 255,672 245,909 259,259
Projected Benefit Obligation - Total Pension 262,800 259,071 257,899 255,672 241,167 254,477
Projected Benefit Obligation - Domestic 262,800 259,071 257,899 255,672 241,167 254,477
Projected Benefit Obligation - Post-Retirement 4,741.8 4,782.2
Assumptions - Period-End
Discount Rate - Period End 7.0% 4.3% 5.0% 5.4% 5.9% 8.7% 5.6% 4.0% 4.9% 7.2%
Discount Rate - Period End - Total Pension 7.0% 4.3% 5.0% 5.4% 5.9% 8.7% 5.6% 4.0% 4.9% 7.2%
Discount Rate - Domestic - Period End 7.0% 4.3% 5.0% 5.4% 5.9% 8.7% 5.6% 4.0% 4.9% 7.2%
Expected Rate of Return - Period End 7.0%
Expected Rate of Return - Period End - Total Pension 7.0%
Expected Rate of Return - Domestic - Period End 7.0%
Compensation Rate - Period End 6.5% 5.0% 5.0% 5.0% 5.0% 5.0% 5.0% 5.0% 5.0% 6.0%
Compensation Rate - Period End - Total Pension 6.5% 5.0% 5.0% 5.0% 5.0% 5.0% 5.0% 5.0% 5.0% 6.0%
Compensation Rate - Domestic - Period End 6.5% 5.0% 5.0% 5.0% 5.0% 5.0% 5.0% 5.0% 5.0% 6.0%
Asset Allocation - Value
Equity Securities Value 103,561 90,014 95,304 88,241 112,952 79,296 52,795 87,156
Equity Securities Value - Domestic 103,561 90,014 95,304 88,241 112,952 79,296 52,795 87,156
Equity Securities Value - Post-Retirement 10,129 14,147 18,411 13,090 14,997 22,338 9,951.5
Debt Securities Value 103,603 89,106 75,755 58,205 74,492 90,460 122,142 121,412
Debt Securities Value - Domestic 103,603 89,106 75,755 58,205 74,492 90,460 122,142 121,412
Debt Securities Value - Post-Retirement 1,513.4 3,101.4 4,059.5 18,993 14,476 16,454 23,388
Other Investments Value 26,375 24,355 43,240 41,300 52,873 21,641 21,161 22,723
Other Investments Value - Domestic 26,375 24,355 43,240 41,300 52,873 21,641 21,161 22,723
Other Investments Value - Post-Retirement 1,674.8 1,080.5 1,429.4 2,428.4 1,312.2 58.84 1,886.1
Income/Expense
Total Pension Plans - Total Pension & Post-Retirement 21,512 21,318 24,482 18,545 18,619 22,850 15,913 14,773 15,165 14,938 21,541 23,377 25,332
Post-Retirement Plan Expense 1,349.0 774.4 817.2 2,744.1 3,025.4 5,519.0
Total Pension Plan Expense - Total 21,512 21,318 24,482 18,545 18,619 22,850 14,564 13,998 14,348 12,194 18,515 23,377 19,813
Total Pension Plans - Domestic 21,512 21,318 18,545 18,619 22,850 14,564 13,998 14,348 12,194 18,515 23,377 19,813
Defined Contribution Expense - Total Pension & Post-Retirement 1,349.0 774.4 817.2 2,744.1 3,025.4 5,519.0
Defined Contribution Expense - Post-Retirement 1,349.0 774.4 817.2 2,744.1 3,025.4 5,519.0
Defined Benefit Income/Expense - Pension & Post-Retirement 21,512 21,318 24,482 12,481 -4,823.7 20,981 12,204 -5,698.6 14,348 12,194 18,515 23,377 19,813
Defined Benefit Income/Expense - Total Pension 21,512 21,318 24,482 12,481 -4,823.7 20,981 12,204 -5,698.6 14,348 12,194 18,515 23,377 19,813
Defined Benefit Income/Expense - Domestic 21,512 21,318 12,481 -4,823.7 20,981 12,204 -5,698.6 14,348 12,194 18,515 23,377 19,813
Interest Cost 24,378 25,873 5,124.1
Interest Cost - Total Pension 24,378 25,873 5,124.1
Interest Cost - Domestic 24,378 25,873
Net Interest Cost 778.6 1,510.2 505.8 1,601.9 1,628.2 1,824.4 1,661.9 3,307.7 6,052.4 5,427.0
Net Interest Cost - Total Pension 778.6 1,510.2 505.8 1,601.9 1,628.2 1,824.4 1,661.9 3,307.7 6,052.4 5,427.0
Net Interest Cost - Domestic 778.6 1,510.2 505.8 1,601.9 1,628.2 1,824.4 1,661.9 3,307.7 6,052.4 5,427.0
Service Cost 10,467 13,896 19,358 18,026 17,108 22,344 13,679 12,291 12,524 10,532 15,208 17,325 14,386
Service Cost - Total Pension 10,467 13,896 19,358 18,026 17,108 22,344 13,679 12,291 12,524 10,532 15,208 17,325 14,386
Service Cost - Domestic 10,467 13,896 18,026 17,108 22,344 13,679 12,291 12,524 10,532 15,208 17,325 14,386
Prior Service Cost -259.5 0 0 -4,152.3 -99.28 0 0 0
Prior Service Cost - Total Pension -259.5 0 0 -4,152.3 -99.28 0 0 0
Prior Service Cost - Domestic -259.5 0 0 -4,152.3 -99.28 0 0 0
Actuarial Gain/Loss 2,044.5 1,017.3
Actuarial Gain/Loss - Total Pension 2,044.5 1,017.3
Actuarial Gain/Loss - Domestic 2,044.5 1,017.3
Curtailments & Settlements 3,435.6 178.7 0 0 0 0 0
Curtailments & Settlements - Total Pension 3,435.6 178.7 0 0 0 0 0
Curtailments & Settlements - Domestic 3,435.6 178.7 0 0 0 0 0
Expected Return on Assets -15,378 -19,468
Expected Return on Assets - Total Pension -15,378 -19,468
Expected Return on Assets - Domestic -15,378 -19,468
Actual Return on Assets 6,063.7 23,442 1,869.3 2,360.7 19,697 0.01 0.01 0.01
Actual Return on Assets - Total Pension 6,063.7 23,442 1,869.3 2,360.7 19,697 0.01 0.01 0.01
Actual Return on Assets - Domestic 6,063.7 23,442 1,869.3 2,360.7 19,697 0.01 0.01 0.01
Net Assets Recognized
Accrued Benefit Liability 22,132 37,692 40,178 19,840 54,610 153,281 109,904 49,362
Accrued Benefit Liability - Total Pension 22,132 37,692 40,178 19,840 54,610 153,281 109,904 49,362
Accrued Benefit Liability - Domestic 22,132 37,692 40,178 19,840 54,610 153,281 109,904 49,362
Accumulated Other Comprehensive Income -8,575.6 -13,546 -18,220 -18,657 -8,914.8 -23,946 -19,256
Assets/Obligations - Other - Unrecognized - Net -8,575.6 -13,546 -18,220 -18,657 -8,914.8 -23,946 -19,256
Assets/Obligations - Other - Unrecognized - Net - Post-Retirement -8,575.6 -13,546 -18,220 -18,657 -8,914.8 -23,946 -19,256
Prepaid Assets & Accrued Liabilities - Net -22,132 -37,692 -40,178 -19,840 -54,610 -153,281 -109,904 -49,362
Net Assets Recognized - Total Pension -22,132 -37,692 -40,178 -19,840 -54,610 -153,281 -109,904 -49,362
Net Assets Recognized - Total Pension Plans -22,132 -37,692 -40,178 -19,840 -54,610 -153,281 -109,904 -49,362
Net Assets Recognized - Domestic Pension Plans -22,132 -37,692 -40,178 -19,840 -54,610 -153,281 -109,904 -49,362
Net Assets Recognized - Total Post-Retirement 0 0 0 0 0
Company Fundamentals - Financial Summary
CF Template BNK
Scaling Thousands
Period Annual
Statement Data 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
Period End Date 31-12-2010 31-12-2011 31-12-2012 31-12-2013 31-12-2014 31-12-2015 31-12-2016 31-12-2017 31-12-2018 31-12-2019 31-12-2020 31-12-2021 31-12-2022
Avg. FX Rate 0.02222275510685 0.02312115347817 0.02372258236746 0.02359408286669 0.02254074514721 0.02199225382128 0.02107739846252 0.01985570705769 0.01900389292658 0.01932491616263 0.02016910520599 0.020310177506 0.01839663153965
Financial Summary - Standardized (Currency: US Dollar)
Field Name 31-12-2010 31-12-2011 31-12-2012 31-12-2013 31-12-2014 31-12-2015 31-12-2016 31-12-2017 31-12-2018 31-12-2019 31-12-2020 31-12-2021 31-12-2022
Selected Income Statement Items
Provision & Impairment for Loan Losses 76,757 49,710 69,341 62,477 63,272 87,441 101,172 75,352 89,679 107,485 564,735 266,774 168,642
Selling, General & Administrative Expenses - Total 203,049 239,974 467,121 491,347 470,358 476,286 541,584 545,357 513,827 620,426 657,735 701,473 704,389
Operating Profit before Non-Recurring Income/Expense 438,522 675,808 448,641 527,847 518,888 517,104 560,870 556,714 541,801 716,413 512,235 671,454 847,441
Income before Discontinued Operations & Extraordinary Items 255,095 300,876 391,470 448,146 407,131 404,108 469,499 451,439 440,947 560,442 440,957 489,678 732,848
Selected Balance Sheet Items
Investments - Total 5,168,577 4,144,554 5,113,192 4,580,798 6,912,983 6,322,559 6,203,152 6,143,686 6,508,443 6,974,748 8,585,690 9,706,060 9,664,200
Total Assets 20,127,114 19,242,201 24,024,409 26,940,816 32,406,637 32,331,684 34,821,042 38,095,624 39,741,338 43,534,650 46,520,371 47,497,843 46,774,942
Deposits - Total 16,638,849 15,687,349 19,753,792 22,488,618 26,486,101 27,386,738 29,047,176 31,423,255 30,430,055 33,693,741 35,925,349 38,498,353 37,823,657
Common Equity - Total 1,857,231 2,035,899 2,357,864 2,355,984 3,219,285 3,204,350 3,332,069 3,615,423 4,736,440 5,322,349 5,828,682 5,747,401 5,707,239
Tangible Total Equity 1,885,744 2,067,367 2,322,775 2,322,808 3,225,587 3,212,708 3,336,387 3,623,607 4,735,430 5,335,380 5,820,183 5,749,500 5,703,036
Earning Assets 16,668,645 15,231,514 22,512,826 25,600,721 30,953,184 30,957,186 33,437,842 36,576,725 38,196,169 41,835,400 44,619,892 45,754,305 45,084,139
Selected Cash Flow Items
Net Cash Flow from Operating Activities 3,433,993 -1,009,747 1,546,380 2,957,825 626,633 1,255,230 96,134 141,730 -1,985,413 646,013 1,801,323 4,194,255 -797,641
Depreciation, Depletion & Amortization including Impairment - Cash Flow - to Reconcile 57,468 70,288 79,376 81,612 80,854 80,514 81,738 84,486 91,162 137,825 121,479 126,918 100,170
Capital Expenditures - Net - Cash Flow 56,246 75,051 65,190 60,330 77,405 33,054 86,607 83,215 95,932 258,954 15,490 97,611 8,407.3
Net Change in Cash - Total 1,921,846 -253,154 902,075 2,613,870 -590,883 180,183 611,139 226,018 -168,355 -274,452 635,690 718,310 -1,707,815
Selected Per Share Data
Book Value per Share 0.47 0.52 0.60 0.60 0.75 0.75 0.78 0.84 0.97 1.08 1.19 1.17 1.16
Tangible Book Value per Share 0.47 0.52 0.58 0.58 0.74 0.74 0.77 0.83 0.95 1.07 1.17 1.16 1.15
Shares used to calculate Diluted EPS - Total 3,720,211 3,948,977 3,948,977 4,027,823 4,255,018 4,284,438 4,289,886 4,292,065 4,702,857 4,910,977 4,917,515 4,917,515 4,917,515
Dividend Yield - Common Stock - Gross - Issue Specific - % 3.1% 3.4% 2.0% 2.2% 2.0% 2.2% 2.1% 1.7% 1.9% 2.1% 2.2% 2.0% 2.1%
Dividend Yield - Common Stock - Net - Issue Specific - % 2.9% 3.0% 1.8% 2.0% 1.8% 2.0% 1.9% 1.5% 1.7% 1.8% 2.0% 1.8% 1.9%
Profitability / Return
Interest & Dividend Income/(Expense) - Net - Finance Percentage of Earning Assets 3.61 3.71 3.46 2.95 2.76 2.72 2.73 2.76 2.91 3.18 3.39 3.11 3.52
Fee Revenue - % 15.4% 13.3% 12.6% 14.3% 15.0% 14.6% 22.3% 21.7% 20.5% 18.6% 16.9% 21.4% 18.8%
Efficiency Ratio - % 46.0% 56.2% 51.1% 49.6% 53.7% 53.7% 52.0% 53.4% 54.2% 51.7% 47.1% 51.9% 46.5%
Income before Tax Margin - % 43.3% 38.7% 42.6% 45.2% 41.3% 39.6% 40.7% 41.1% 39.6% 42.2% 25.4% 34.6% 45.4%
Income Tax Rate - % 18.0% 19.4% 16.1% 17.9% 21.5% 21.9% 16.9% 20.8% 22.2% 24.4% 15.2% 28.1% 22.5%
Net Margin - % 35.5% 31.2% 35.7% 37.1% 32.4% 31.0% 33.8% 32.6% 30.8% 31.9% 21.5% 24.9% 35.2%
Return on Average Common Equity - % (Income available to Common excluding Extraordinary Items) 15.3% 15.1% 17.6% 18.7% 14.5% 12.4% 14.0% 13.0% 10.7% 11.1% 7.9% 8.3% 13.0%
Return on Earning Assets - % 1.7% 1.8% 2.1% 1.8% 1.4% 1.3% 1.4% 1.3% 1.2% 1.4% 1.0% 1.1% 1.6%
Return on Average Total Assets - % (Income before Discontinued Operations & Extraordinary Items) 1.4% 1.5% 1.8% 1.7% 1.4% 1.2% 1.4% 1.3% 1.2% 1.4% 1.0% 1.0% 1.6%
Growth
Common Shares - Outstanding - Total 3,949,372 3,949,372 3,949,372 3,954,622 4,284,671 4,284,678 4,289,934 4,292,515 4,906,019 4,911,055 4,917,625 4,917,655 4,917,655
Deposits - Total 16,638,849 15,687,349 19,753,792 22,488,618 26,486,101 27,386,738 29,047,176 31,423,255 30,430,055 33,693,741 35,925,349 38,498,353 37,823,657
Total Assets 20,127,114 19,242,201 24,024,409 26,940,816 32,406,637 32,331,684 34,821,042 38,095,624 39,741,338 43,534,650 46,520,371 47,497,843 46,774,942
Capital Ratio
Capital Adequacy - Total (%) 14.2% 13.7% 14.9% 13.6% 13.0% 12.7% 16.1% 16.1% 17.1% 16.7% 16.0%
Risk Weighted Assets 15,578,111 15,901,871 19,345,430 20,927,868 23,120,846 26,150,169 27,744,349 30,974,432 31,817,788 32,653,246 33,960,158
Liquidity Coverage Ratio - Basel 3 - % 160.9% 167.1% 231.9% 220.7% 194.5%
Leverage Ratio - Basel 3 - % 10.4% 10.7% 10.9% 10.6% 10.7%
Net Stable Funding Ratio - Basel 3 - % 122.7% 130.7% 153.6% 154.9% 148.8%
Banking - Other Metrics
Reserves for Loan Losses - Total Percentage of Loans - Gross - Total 3.33 2.94 2.05 1.95 1.69 1.84 1.76 1.69 1.66 1.73 3.20 3.49 3.27
Reserves for Loan Losses - Total to Loans - Non-Performing & Impaired 0.67 0.76 0.90 0.89 1.01 1.02 1.09 0.77 0.97 1.13
Reserves for Loan Losses - Total Percentage of Total Assets 1.2% 1.3% 1.1% 1.1% 1.0% 1.1% 1.1% 1.1% 1.1% 1.2% 2.1% 2.2% 2.2%
Loans - Non-Performing & Impaired Percentage of Loans - Gross - Total 2.9% 2.2% 2.1% 2.0% 1.7% 1.6% 1.6% 4.1% 3.6% 2.9%
Loans - Non-Performing & Impaired Percentage of Shareholders Equity - Common 18.1% 12.5% 12.2% 12.8% 11.3% 9.1% 8.9% 21.6% 19.0% 16.1%
Loans - Non-Performing & Impaired Percentage of Reserves for Loan Losses - Total 149.9% 130.9% 111.6% 112.9% 99.2% 98.1% 91.7% 129.2% 103.5% 88.6%
Loans - Gross - Total Percentage of Total Assets 35.03 42.96 54.90 54.26 56.09 58.60 61.32 64.17 66.44 68.07 65.42 63.72 67.94
Loans to Deposits (End of Period) 0.49 0.55 0.71 0.66 0.70 0.70 0.75 0.78 0.86 0.87 0.84 0.77 0.83
Financial Strength / Leverage
Total Debt Percentage of Total Assets 3.4% 2.9% 3.2% 2.2% 2.3% 1.4% 3.6% 4.4% 8.0% 7.2% 7.2% 4.2% 4.1%
Total Debt Percentage of Total Capital 26.6% 21.1% 24.2% 19.8% 18.4% 12.1% 27.0% 31.3% 39.9% 36.8% 36.2% 25.8% 25.2%
Total Debt Percentage of Total Equity 36.3% 26.7% 31.9% 24.7% 22.5% 13.7% 37.0% 45.5% 66.4% 58.1% 56.7% 34.7% 33.6%
Earnings Retention Rate 0.46 0.50 0.50 0.66 0.61 0.61 0.68 0.68 0.65 0.72 0.62 0.63 0.76
Dividend Payout Ratio - % 54.1% 49.9% 50.0% 34.0% 39.2% 38.8% 32.1% 31.6% 35.2% 28.2% 37.6% 37.0% 24.2%
Dividend Coverage - % 184.8% 200.3% 199.9% 293.9% 255.0% 257.6% 311.2% 316.1% 284.0% 354.5% 266.1% 270.0% 413.9%
Productivity
Net Income after Tax per Employee 29,284 26,845 30,117 28,214 24,598 28,389 22,009 24,518 39,543
Sales per Employee 90,447 86,721 89,018 86,579 79,841 89,058 102,231 98,567 112,390
Total Assets per Employee 2,068,552 2,228,486 2,207,393 2,290,707 2,234,741 2,101,715 2,031,576 2,331,614 2,551,042 2,661,751
Company Fundamentals - Valuation
CF Template BNK
Scaling Thousands
Period Annual
Statement Data 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
Period End Date 31-12-2010 31-12-2011 31-12-2012 31-12-2013 31-12-2014 31-12-2015 31-12-2016 31-12-2017 31-12-2018 31-12-2019 31-12-2020 31-12-2021 31-12-2022
Avg. FX Rate 0.02222275510685 0.02312115347817 0.02372258236746 0.02359408286669 0.02254074514721 0.02199225382128 0.02107739846252 0.01985570705769 0.01900389292658 0.01932491616263 0.02016910520599 0.020310177506 0.01839663153965
Valuation - Standardized (Currency: US Dollar)
Field Name 31-12-2010 31-12-2011 31-12-2012 31-12-2013 31-12-2014 31-12-2015 31-12-2016 31-12-2017 31-12-2018 31-12-2019 31-12-2020 31-12-2021 31-12-2022
Enterprise Value
Enterprise Value 2,160,832 2,641,492 5,564,204 1,342,403 3,454,529 2,184,708 2,803,257 4,425,026 6,169,343 5,986,538 5,579,170 4,243,497 6,242,810
Enterprise Value, 5 Year Average 2,170,271 2,187,604 3,025,942 2,749,548 2,915,256 2,816,522 2,759,257 2,708,012 3,586,181 4,301,925 5,227,476 5,225,750 5,240,498
Market Capitalization
Market Capitalization 4,808,689 4,483,009 8,238,332 6,812,946 8,253,725 7,030,209 7,054,413 8,520,911 8,066,141 7,821,701 7,647,177 8,156,205 8,269,072
Market Capitalization, 5 Year Average 3,798,536 3,896,926 4,997,636 5,418,504 6,326,760 6,548,087 6,815,412 7,110,553 7,233,698 7,599,509 8,173,296 7,955,579 7,410,687
Price Close
Price Close (End of Period) 1.18 1.10 2.03 1.68 1.87 1.60 1.60 1.93 1.64 1.59 1.56 1.66 1.68
Price Close (End of Period), 5 Year Average 0.98 0.99 1.25 1.35 1.53 1.56 1.60 1.64 1.60 1.65 1.74 1.66 1.51
FOCF Yield
Free Cash Flow Yield - % 79.1% 24.6% 19.0% 41.0% 6.8% 17.3% 0.1% 0.7% 27.0% 5.1% 24.1% 48.5% 9.8%
Free Cash Flow Yield - %, 5 Year Average 23.6% 13.3% 15.0% 26.2% 23.7% 14.6% 16.5% 12.2% 0.9% 1.3% 0.1% 9.6% 7.3%
Dividend Yield
Dividend Yield - Common Stock - Net - Issue Specific - % 2.9% 3.0% 1.8% 2.0% 1.8% 2.0% 1.9% 1.5% 1.7% 1.8% 2.0% 1.8% 1.9%
Dividend Yield - Common Stock - Net - Issue Specific - %, 5 Year Average 3.4% 3.4% 3.0% 2.5% 2.2% 2.0% 1.9% 1.8% 1.8% 1.8% 1.8% 1.8% 1.8%
Dividend Yield - Common Stock - Gross - Issue Specific - % 3.1% 3.4% 2.0% 2.2% 2.0% 2.2% 2.1% 1.7% 1.9% 2.1% 2.2% 2.0% 2.1%
Dividend Yield - Common Stock - Gross - Issue Specific - %, 5 Year Average 3.5% 3.5% 3.1% 2.7% 2.4% 2.2% 2.1% 2.0% 2.0% 2.0% 2.0% 2.0% 2.0%
Price to Book
Price to Book Value per Share - Issue Specific 2.52 2.14 3.40 2.82 2.50 2.13 2.06 2.29 1.70 1.47 1.31 1.42 1.45
Price to Book Value per Share - Issue Specific, 5 Year Average 2.24 2.16 2.50 2.66 2.68 2.56 2.50 2.33 2.10 1.89 1.72 1.60 1.46
Price to Tangible Book
Price to Tangible Book Value per Share 2.52 2.14 3.50 2.89 2.54 2.16 2.09 2.32 1.72 1.49 1.32 1.43 1.46
Price to Tangible Book Value per Share, 5 Year Average 2.24 2.16 2.52 2.70 2.72 2.61 2.55 2.37 2.13 1.91 1.74 1.62 1.48
Price to Sales
Price to Revenue from Business Activities - Total per Share 5.95 4.57 7.11 5.86 6.40 5.40 5.16 5.94 5.39 4.35 3.62 4.29 4.07
Price to Revenue from Business Activities - Total per Share, 5 Year Average 5.28 5.05 5.51 5.73 6.01 5.89 5.93 5.74 5.64 5.22 4.81 4.64 4.29
Price to FOCF
Price to Free Cash Flow per Share 1.26 5.26 2.44 14.65 5.77 752.2 140.5 19.78 4.15 2.06
Price to Free Cash Flow per Share, 5 Year Average 4.24 7.52 6.67 3.82 4.22 6.87 6.08 8.18 10.44 13.69
Price to CF Per Share
Price to Cash Flow per Share 13.67 11.89 16.55 13.35 16.49 14.55 13.00 15.34 14.49 10.96 13.17 13.70 10.17
Price to Cash Flow per Share, 5 Year Average 13.38 12.67 13.57 13.48 14.51 14.65 14.69 14.50 14.73 13.54 13.30 13.44 12.22
Price to Diluted EPS
Price to EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total 16.99 14.89 20.09 15.94 19.79 17.58 15.42 18.47 17.63 13.77 16.98 17.42 11.62
Price to EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total, 5 Year Average 17.54 16.70 17.78 17.17 17.66 17.74 17.62 17.38 17.71 16.46 16.36 16.75 14.96
Price to Normalized Diluted EPS
Price to EPS - Diluted - excluding Extraordinary Items - Normalized - Total 16.99 14.89 19.56 15.51 19.79 17.58 15.07 17.99 17.63 13.77 16.98 17.42 11.62
Price to EPS - Diluted - excluding Extraordinary Items - Normalized - Total, 5 Year Average 2.24 2.16 2.50 2.66 2.68 2.56 2.50 2.33 2.10 1.89 1.72 1.60 1.46
PEG Ratio
PE Growth Ratio 0.52 2.20 0.73 1.25 -2.15 45.46 0.74 11.49 -2.80 0.70 -0.68 1.67 0.18
PE Growth Ratio, 5 Year Average 2.92 2.84 2.00 0.78 1.35 2.55 1.83 3.66 18.87 2.47 25.07 -14.83 1.65
EV to Sales
Enterprise Value to Revenue from Business Activities - Total 2.92 2.77 4.94 1.16 2.77 1.73 2.11 3.17 4.30 3.33 2.64 2.23 3.07
Enterprise Value to Revenue from Business Activities - Total, 5 Year Average 3.15 2.95 3.47 3.01 2.87 2.60 2.46 2.24 2.89 3.02 3.11 3.07 3.05
EV to EBITDA
Enterprise Value to Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) 4.22 3.58 10.25 2.31 5.81 3.77 4.56 6.85 9.72 6.86 8.53 5.50 6.75
Enterprise Value to Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA), 5 Year Average 4.37 4.05 5.26 4.89 5.05 4.92 5.17 4.75 6.28 6.51 7.31 7.38 7.30
EV to CFO
Enterprise Value to Net Cash Flow from Operating Activities 0.61 3.50 0.48 5.56 1.80 30.46 30.98 9.07 3.00 1.05
Enterprise Value to Net Cash Flow from Operating Activities, 5 Year Average 2.39 4.12 3.93 1.94 1.98 2.85 2.44 3.05 41.88 5.74 8.04
EV to FOCF
Enterprise Value to Free Cash Flow 0.62 3.65 0.49 6.34 1.84 307.4 75.04 15.14 3.03 1.07
Enterprise Value to Free Cash Flow, 5 Year Average 2.52 4.57 4.30 2.03 2.07 3.03 2.57 3.28 512.4 6.54 9.37
Company Fundamentals - Operating Metrics
CF Template BNK
Scaling Thousands
Period Annual
Measure system Metric
Statement Data 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
Period End Date 31-12-2010 31-12-2011 31-12-2012 31-12-2013 31-12-2014 31-12-2015 31-12-2016 31-12-2017 31-12-2018 31-12-2019 31-12-2020 31-12-2021 31-12-2022
Avg. FX Rate 0.02222275510685 0.02312115347817 0.02372258236746 0.02359408286669 0.02254074514721 0.02199225382128 0.02107739846252 0.01985570705769 0.01900389292658 0.01932491616263 0.02016910520599 0.020310177506 0.01839663153965
Operating Metrics - Standardized (Currency: US Dollar)
Field Name 31-12-2010 31-12-2011 31-12-2012 31-12-2013 31-12-2014 31-12-2015 31-12-2016 31-12-2017 31-12-2018 31-12-2019 31-12-2020 31-12-2021 31-12-2022
Margins & Ratios
Net Interest Margin - Total - % 3.6% 3.7% 3.6% 3.3% 3.0% 3.0% 2.8% 2.9% 3.1% 3.4% 3.5% 3.3% 3.6%
Net Charge-offs Rate - Total - % 2.0%
Solvency Margin - Total - % 74.0% 78.0% 85.0% 87.0% 82.0% 76.5%
Efficiency Ratio - Total - % 52.5% 54.3% 55.5% 53.1% 47.3% 52.1% 48.9%
Customer transaction & Other measures
Credit Card Sales - Total 2,985,027,570
Digital Channel Sales - Total 62,395,074,400 76,444,258,504
Number of Transactions Per Channel - Total 81,600,000 79,800,000
Number of Customers - Total 8,660,000 8,600,000 8,460,000 9,300,000
Number of Digital Clients - Total 1,900,000 4,400,000 3,241,790 2,800,000

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Company Fundamentals - Segments

Company Name Bank of the Philippine Islands (BPI.PS)

Segments - Business Line By Segment (Currency: US Dollar)

Segments - Business Line By Statement Item (Currency: US Dollar)

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