Business Monitor International


Philippines Commercial Banking Report

Published 06 May 2014

  • 71 pages
 
$1,295.00
Philippines Commercial Banking Report
Commercial Banking Sector Indicators 
Date Total assets Client loans Bond portfolio Other Liabilities and capital Capital Client deposits Other
May 2013, PHPbn 7,484.5 3,685.2 1,802.7 1,996.6 7,484.5 1,042.6 5,351.2 1,090.6
May 2014, PHPbn 9,062.1 4,427.9 2,006.9 2,627.4 9,062.1 1,079.3 6,904.2 1,078.6
% change y-o-y 21.1% 20.2% 11.3% 31.6% 21.1% 3.5% 29.0% -1.1%
May 2013, USDbn 176.9 87.1 42.6 47.2 176.9 24.6 126.5 25.8
May 2014, USDbn 206.7 101.0 45.8 59.9 206.7 24.6 157.5 24.6
% change y-o-y 16.9% 16.0% 7.5% 27.0% 16.9% -0.1% 24.5% -4.5%
Source: BMI; Central banks; Regulators 
Commercial Banking Sector Key Ratios, May 2014
Loan/deposit ratio Loan/asset ratio Loan/GDP ratio GDP Per Capita, USD Deposits per capita, USD
64.13% 48.86% 36.74% 2,716.3 1,589.3
Rising Rising Rising n.a. n.a.
Source: BMI; Central banks; Regulators 
Annual Growth Rate Projections 2013-2018 (%)
  Assets Loans Deposits
Annual Growth Rate 9 9 9
CAGR 9 11 8
Ranking 33 26 33
Source: BMI; Central banks; Regulators
Ranking Out Of 73 Countries Reviewed In 2014
Loan/deposit ratio Loan/asset ratio Loan/GDP ratio
66 49 55
Local currency asset growth Local currency loan growth Local currency deposit growth
32 13 33
Source: BMI; Central banks; Regulators 
Commercial Banking Sector Indicators, 2011-2018
  2011 2012 2013 2014f 2015f 2016f 2017f 2018f
Total assets, PHPbn 6,544.0 7,193.8 8,997.1 9,761.9 10,591.6 11,491.9 12,468.8 13,528.6
Total assets, USDbn 149.4 175.4 202.7 224.4 252.5 278.1 304.8 332.4
Client loans, PHPbn

Table of Contents

BMI Industry View
7
Table: Commercial Banking Sector Indicators
7
Table: Commercial Banking Sector Key Ratios, December 2013
7
Table: Annual Growth Rate Projections 2013-2018 (%)
7
Table: Ranking Out Of 72 Countries Reviewed In 2014
8
Table: Commercial Banking Sector Indicators, 2011-2018
8
SWOT
9
Commercial Banking
9
Political
10
Economic
11
Business Environment
12
Industry Forecast
13
Strong Domestic Demand To Spur Lending Activities
14
Close Supervision By The BSP To Ensure Financial Stability
14
Record Low Rates To Help Keep Banks' Asset Quality Sound
15
Industry Risk Reward Ratings
17
Asia Commercial Banking Risk/Reward Ratings
17
Table: Asia Commercial Banking Risk/Reward Ratings
18
Market Overview
19
Asia Commercial Banking Outlook
19
Table: Banks' Bond Portfolios, 2013
19
Table: Comparison of Loan/Deposit & Loan/Asset & Loan/GDP ratios, 2014
19
Table: Comparison of Total Assets & Client Loans & Client Deposits (USDbn)
20
Table: Comparison of USD Per Capita Deposits, 2014
21
Economic Analysis
22
Overreliance On Electronics Continues To Recede
22
Q413 Data To Reflect Yolanda Impact, But Growth Cycle Still On Track
24
Growth Upgrades Warranted, With A Caveat
26
Expenditure Breakdown
26
Table: Philippines - Economic Activity
27
Competitive Landscape
28
Market Structure
28
Protagonists
28
Table: Protagonists In Philippines Commercial Banking Sector
28
Definition of the Commercial Banking Universe
28
List Of Banks
29
Table: Universal Banks
29
Table: Commercial Banks
30
Company Profile
31
Allied Banking Corporation
31
Table: Stock Market Indicators
33
Table: Balance Sheet (PHPmn)
33
Table: Balance Sheet (USDmn)
33
Table: Key Ratios (%)
34
Bank of the Philippine Islands
35
Table: Stock Market Indicators
37
Table: Balance Sheet (PHPmn)
37
Table: Balance Sheet (USDmn)
37
Table: Key Ratios (%)
38
Citibank
39
Land Bank of the Philippines
41
Table: Balance Sheet (PHPmn)
42
Table: Balance Sheet (USDmn)
43
Table: Key Ratios (%)
43
Metropolitan Bank & Trust Company
44
Table: Stock Market Indicators
46
Table: Balance Sheet (PHPmn)
46
Table: Balance Sheet (USDmn)
46
Table: Key Ratios (%)
47
Rizal Commercial Banking Corporation
48
Table: Stock Market Indicators
50
Table: Balance Sheet (PHPmn)
50
Table: Balance Sheet (USDmn)
50
Table: Key Ratios (%)
51
Union Bank of the Philippines
52
Table: Stock Market Indicators
53
Table: Balance Sheet (PHPmn)
54
Table: Balance Sheet (USDmn)
54
Table: Key Ratios (%)
54
Regional Overview
55
Asia Overview
55
Global Industry Overview
58
Global Commercial Banking Outlook
58
Regional Outlooks
58
Demographic Forecast
65
Demographic Outlook
65
Table: The Philippines' Population By Age Group, 1990-2020 ('000)
66
Table: The Philippines' Population By Age Group, 1990-2020 (% of total)
67
Table: The Philippines' Key Population Ratios, 1990-2020
68
Table: The Philippines' Rural And Urban Population, 1990-2020
68
Methodology
69
Industry Forecast Methodology
69
Sector Specific Methodology
70
Risk/Reward Ratings Methodology
71
Sector Specific Methodology
72
Table: Commercial Banking Risk/Reward Rating Indicators
72
Weighting
73
Table: Weighting Of Indicators
73

The Philippines Commercial Banking Report has been researched at source and features Business Monitor International (BMI)'s independent assessment and forecasts for the commercial banking sector in Philippines. It examines key drivers of growth and future prospects, including the macroeconomic situation, the level of development and potential for growth of the banking sector, the commercial initiatives of major players, government policy and the regulatory environment. Leading banks are profiled, covering total assets, liabilities, client deposits, lending, bond holdings, main products and services, competitive positioning and ownership structure.

BMI's Philippines Commercial Banking Report provides industry professionals and strategists, sector analysts, business investors, trade associations and regulatory bodies with independent forecasts and competitive intelligence on the commercial banking industry in Philippines.

Key Benefits

  • Benchmark BMI's independent commercial banking industry forecasts for Philippines to test other views - a key input for successful budgeting and strategic business planning in the Philippine commercial banking market.
  • Target business opportunities and risks in Philippines through our reviews of latest industry trends, regulatory changes, and major deals, investments and macroeconomic developments.
  • Exploit latest competitive intelligence on your competitors, partners and clients via our Company Profiles (inc. SWOTs, KPIs and latest activity) and Competitive Landscape Analysis.

Coverage

Executive Summary

Key insights into the commercial banking market, covering industry trends, key players and the regulatory environment, plus snapshots of assets, liabilities, client loans and client deposits in local currency and US$.

Industry SWOT Analysis

Analysis of the major Strengths, Weaknesses, Opportunities and Threats within the commercial banking sector and within the broader political, economic and business environment.

Business Environment Ratings

BMI's Commercial Banking Business Environment Ratings provide a country-comparative Risk-Reward Ratings index aimed at investors and participants in the regional commercial banking market.

The ratings methodology makes sophisticated use of over 40 industry, economic and demographic data points and is part of BMI's integrated Country Risk-Industry Ratings products.

Global, Regional and Country Industry

In-depth analysis of the major global and regional developments in the market, which can be linked with the country industry overview, providing cross-country investment, product and financing trends that will affect each market, supported by BMI's global and regional industry forecasts.

BMI Economic Forecasts

BMI forecasts to end-2017 for all headline macroeconomic indicators including real GDP growth, inflation, fiscal balance, trade balance, current account and external debt.

Competitive Landscape

Market Data: Analysis of market size, dominant trends, competitive landscape and key annual and quarterly data.

Company Database: A comprehensive breakdown of KPIs of the leading commercial banks, including assets and liabilities, client loans, client deposits, capital, bond holdings, loan-deposit ratio, tier 1 capital, return on assets, earnings per share and market capitalisation.

Company Profiles and SWOTs

Examines the competitive positioning and short- to medium-term business strategies of key industry players. Strategy is examined within the context of BMI's industry forecasts, our macroeconomic views and our understanding of the wider competitive landscape to generate Company SWOT (Strengths, Weaknesses, Opportunities and Threats) analyses. The latest financial and operating statistics and key company developments are also incorporated within the company profiles, enabling a full evaluation of recent company performance and future growth prospects.

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