 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest Income
‘Advances 2,089.85 2,395.07 (805.22)
Investments 191.28 199.53 (8.25)
Others 84.65 61.08 23.57
Total interest-earning assets 2,365.78 2,905.86 (640.08)
Interest Expense
Deposits 989.16 945.19 43,97
Borrowings (128.69) (67.23) (71.46)
Total interest-bearing liabilities 860.47 1,002.35 (141.88)
Net Interest Income 1,505.31 1,903.50 (398.19)
Notes:
(1) The changes in interest earned, interest expended and net interest income between periods have been reflected as attributed either to volume
or rate changes. For purposes of this table, changes that are due to both volume and rate have been allocated solely to changes in rate.
(2) Change in average volume is computed as increase in average balances for the year multiplied by yield/cost for Fiscal 2019.
(3) Change in average rate represents the average balance for Fiscal 2020 multiplied by change in rates during the respective periods during the
relevant period.
# Deposits include saving deposits, current deposits and term deposits.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Interest Income
‘Advances 2,352.46 2,172.89 179.57
Investments 113.43 72.03 41.40
Others (33.64) (9.43) (24.21)
Total interest-earning assets 2,432.25 1,916.96 515.29
Interest Expense
Deposits® 584.87 554.95 29.92
Borrowings 101.94 314.17 (212.23)
Total interest-bearing liabilities 686.81 1,049.00 (362.19)
Net Interest Income 1,745.44 867.96 877.48
Notes:
(1) The changes in interest earned, interest expended and net interest income between periods have been reflected as attributed either to volume
or rate changes. For purposes of this table, changes that are due to both volume and rate have been allocated solely to changes in rate.
(2) Change in average volume is computed as increase in average balances for the year multiplied by yield/cost for Fiscal 2018.
(3) Change in average rate represents the average balance for Fiscal 2019 multiplied by change in rates during the respective periods during the
relevant period.
4 Deposits include saving deposits, current deposits and term deposits.

Yields, Spreads and Margins

The following tables set forth, for Fiscal 2018, 2019 and 2020 and for the nine months ended December 31, 2019 and

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

2020, the yields, spreads and interest margins on our Bank’s interest-earning assets.
2019 2020

i, Interest on advances 5,155.48 5,442.14
ii, Total Interest Income 5,632.15 6,243.49
iii, Interest expense 2,020.83 2,710.72
iv. Total Average Interest Earning Assets‘) 39,157.75 55,496.22
v. Average Balance of Gross Loan Portfolio 33,242.59 36,851.62
i. Average Balance of Advances 30,244.05 35,500.95
Total Average Interest Bearing Liabilities?) 30,507.14 44,908.97
Total Average Assets 41,910.40 59,160.54

ix. Net Interest Income“ 3,611.32 3,532.77

 

 

 

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