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Quarterly report on deposits september 2011 b

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Quarterly report on deposits september 2011 b

  1. 1. QUARTERLY REPORT ON DEPOSITSSEPTEMBER 2011TOTAL DEPOSITS* DEPOSIT GROWTH by Bank Type Sep 2010 and Sep 2011Deposits grew 6.4 percent to P5.1 trillion for Growth Total Deposits KBs TBs RBsthe period September 2010 to September Deposit Growth (in percent)2011 slower than the 8.8 percent deposit 13.5%growth for September 2009 to September2010. 8.8% 8.3% 6.4% 7.2%PROFILE OF DEPOSITS 6.9% 4.1%By Bank Type 0.1%Deposit growth for KBs was lower at 7.2 Sep 2009 to Sep 2010 Sep 2010 to Sep 2011percent from the 8.3 percent growth in the Periodprevious period. TBs experienced slowergrowth at 0.1 percent from 13.5 percent. SHARE OF TOTAL DEPOSITSDeposits in RBs grew slower at 4.1 percent BY BANK TYPE, Sep 2010 to Sep 2011from 6.9 percent in the previous period. 2.5% 2.5%Commercial banks (KBs) continue to hold the 9.7% 9.1%largest share of deposit liabilities of thePhilippine Banking System (PBS) as of quarter- Share (in percent)end. KBs share of deposits held at 88.5percent of total deposits higher than the 87.8 RBs 87.8% 88.5%percent share last year. The share of Thrift TBsbanks (TBs) declined to 9.1 percent from 9.7 KBspercent while Rural banks (RBs) share to totaldeposits remained at 2.5 percent. Sep 2010 Sep 2011 Period*Preliminary data based on the following rate of submissions of Schedule 22-A (Deposit Liabilities by Sizeof Account) by banks: 100% KBs, 100% TBs and 611 of 622 RBs which account for 98.97% of total depositsin RBs. For banks with unsubmitted reports as of this report cut-off date, the latest quarter-end submissionis used. PHILIPPINE DEPOSIT INSURANCE CORPORATION: Quarterly Report on Deposits September 2011 Page 1 of 3
  2. 2. By Deposit TypeSavings deposits continue to dominate the type of deposit products and increasing itsshare of deposits at 47.8 percent from 46.2 percent for the same period last year. Theshare of Time and LTNCD deposits contracted to 32.6 percent from 35.2 percent whilethe share of Demand & NOW deposits increased to 19.5 percent from 18.6 percent ofthe total. SHARE PER DEPOSIT TYPE DEPOSIT GROWTH by Deposit Type TO TOTAL DEPOSITS, Sep 2010 to Sep 2011 Sep 2010 and Sep 2011 Demand & NOW Savings Time Total Time/LTNCD Savings Demand & NOW 12.1% Deposit Growth 10.1% (in percent) 8.3% 9.9% 8.8% 8.7% 35.2% 32.6% 6.4% Share (in percent) 46.2% 47.8% -1.3% Period 18.6% 19.5% Sep 2010 Sep 2011 Sep 2009 to Sep 2010 Sep 2010 to Sep 2011 PeriodDemand and NOW deposits grew most at 12.1 percent for the period followed bySavings deposits at 10.1 percent. Time deposits dragged growth of total deposits with acontraction of 1.3 percent from a growth of 8.3 percent last year.By Bank Type and Deposit Type DEPOSIT GROWTH by Bank Type and Deposit Type RBs posted the highest growth rate for Sep 2010 and Sep 2011 Demand & NOW deposits with 14.6 Demand & NOW Savings Time percent, while growth rate for Time and LTNCDs was at 14.4 percent. However, 15.6% 14.6% there was a 1.0 percent contraction in 14.4% 13.5% 12.6% 12.0% Savings for the period September 2010 to 10.1%Deposit Growth 9.8% (in percent) 8.3% 7.4% September 2011. 6.9% 5.9% 4.4% 1.2% 0.9% TBs experienced growth of 4.4 percent for -2.8% -1.0% Time and LTNCDs, Demand & NOW grew by 1.2 percent while Savings deposits, -7.2% contracted by 7.2 percent. KBs TBs RBs KBs TBs RBs Sep 2009 to Sep 2010 Sep 2010 to Sep 2011 Period PHILIPPINE DEPOSIT INSURANCE CORPORATION: Quarterly Report on Deposits September 2011 Page 2 of 3
  3. 3. On the other hand, KBs posted growth forDemand & NOW deposits at 12.6 percent, SHARE PER DEPOSITOR TYPESavings at 12.0 percent and contraction of TO TOTAL DEPOSITS Sep 2010 to Sep 20112.8 percent for Time deposits and LTNCDs. Non- OBUs OBUs Trust Departments Individuals Private Corporations Banks GovernmentBy Depositor Type 1.1% 1.1% 59.5% 54.8%By September 2011, deposits of Individuals Share (in percent)account for 54.8 percent of total deposits,lower than the 59.5 percent for thepreceding year. The share of PrivateCorporations’ deposits increased to 30.2 27.2% 30.2%percent from 27.2 percent while 10.2% 0.9% 11.4% 1.1%Government deposits share was up at 11.4 Sep 2010 Sep 2011percent from 10.2 percent of total deposits Periodfor the comparative period.INSURED DEPOSITS AND THE DEPOSIT INSURANCE FUNDAs of end September 2011, deposits Domestic Deposit Liabilities - Philippine Banking Systemthat are P10,000 and below comprise (Am ounts in MIllion; Accounts in Thousand) as of September 201174.4 percent of total deposits interms of number of accounts, but is Grand Totalonly 0.7 percent of total deposits in DEPOSIT SIZE % to % toterms of amount. On the other end Account Total Amount Totalof the deposit range, deposits over P 5,000 & Below 28,588 68.2% 17,275 0.3%P2.00 million are only 0.8 percent of P 5,000.01 - P10,000 2,583 6.2% 18,046 0.4%total deposits in terms of total P 10,000.01 - P15,000 1,556 3.7% 18,466 0.4%accounts, but takes up 67.5 percent P 15,000.01 - P 40,000 2,815 6.7% 70,188 1.4%of deposits in terms of amount. P 40,000.01 - P 60,000 1,344 3.2% 64,182 1.3% P 60,000.01 - P 80,000 639 1.5% 44,071 0.9% P 80,000.01 - P 100,000 494 1.2% 44,482 0.9%With the Maximum Deposit P 100,000.01 - P 150,000 913 2.2% 108,964 2.1%Insurance Cover (MDIC) at P500,000, P 150,000.01 - P 200,000 479 1.1% 82,835 1.6%total insured deposits as of P 200,000.01 - P 250,000 407 1.0% 90,301 1.8% P 250,000.01 - P 300,000 260 0.6% 71,295 1.4%September 2011 stand at P1.47 P 300,000.01 - P 400,000 368 0.9% 125,022 2.5%trillion, with 97.2 percent of total P 400,000.01 - P 500,000 301 0.7% 136,601 2.7%accounts fully-insured and only 2.8 P 500,000.01 - P 750,000 363 0.9% 213,249 4.2%percent of accounts partially insured. P 750,000.01 - P 1,000,000 173 0.4% 153,278 3.0% P1,000,000.01 - P1,500,000 211 0.5% 245,963 4.8% P1,500,000.01 - P2,000,000 83 0.2% 143,862 2.8%The DIF stands at P67.0 billion as of Ov er P 2,000,000 337 0.8% 3,429,300 67.5%September 2011, which is sufficient Total 41,914 100.0% 5,077,378 100.0%to cover 4.5 percent of the P1.47trillion total insured deposits. PHILIPPINE DEPOSIT INSURANCE CORPORATION: Quarterly Report on Deposits September 2011 Page 3 of 3

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