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Philippines Banking Sector Analysis

Published by: RNCOS

Published: Jun. 1, 2008 - 60 Pages


Table of Contents


1. Analyst View

2. Asia Banking Industry

3. Philippines Banking Industry

4. Favorable Factors

4.1 Assets Quality

4.2 Banking Reforms

4.3 Interest Rates

4.4 Bankable Households

4.5 Young & Educated Population

5. Philippines Banking Industry Performance

5.1 Assets

5.2 Deposits

5.3 Income

5.4 Performance Indicators

5.4.1 Assets Quality

5.4.2 Profitability Ratio

5.5 By Product

5.5.1 Deposits

5.5.1.1 Universal & Commercial Banks

5.5.1.2 Thrift Banks

5.5.1.3 Rural & Cooperative Banks

5.5.2 Loans

5.5.2.1 Universal & Commercial Banks

5.5.2.2 Thrift Banks

5.5.2.3 Rural & Cooperative Banks

5.5.3 ATM

5.5.4 Financial Cards

5.5.4.1 Credit Cards

5.5.5 Mutual Funds

6. Future Growth Areas

6.1 Mobile Banking

6.2 Bancassurance

6.3 Microfinance

6.4 Wealth Management

6.5 IT Investment

6.6 Mutual Fund Asset Expansion

7. Roadblocks

7.1 Political Instability

7.2 Basel II Accords

7.3 Fragmented Industry

7.4 Credit Risk

8. Key Players

8.1 Metropolitan Bank and Trust

8.2 Bank of the Philippine Islands

8.3 Banco de Oro Unibank, Inc.

8.4 Land Bank of the Philippines


List of Figures:


Figure 2-1: Asia - Banking Industry Assets (in Trillion US$), 2004E-2007E

Figure 2-2: Asia - Banking Industry Assets by Country (in Billion US$), 2007E

Figure 4-1: Philippines - NPL Ratio including Interbank Loans (%), Q1 2005 & Q4 2007

Figure 4-2: Philippines - NPL Ratio excluding Interbank Loan (%), Q1 2005 & Q4 2007

Figure 4-3: Philippines - Interest Rates (%), 2001-2007

Figure 4-4: Philippines - Bankable Households (in ‘000), 2001 & 2007

Figure 4-5: Philippines - Population by Age Group of 15-64 Years (in Million), 2001E-2007E

Figure 5-1: Philippines - Banking Industry Assets* (in Billion Pesos), 2004-2007

Figure 5-2: Philippines - Domestic & Foreign Bank Assets (%), Dec 2007

Figure 5-3: Philippines - Forecast for Banking Industry Assets (in Billion Pesos), 2008-2011

Figure 5-4: Philippines - Deposits* with Banking Industry (in Billion Pesos), 2004-2007

Figure 5-5: Philippines - Operating Income of Banking Industry (in Billion Pesos), 2004-2007

Figure 5-6: Philippines - Deposits* with Universal & Commercial Banks (in Billion Pesos), 2004-2007

Figure 5-7: Philippines - Deposits* with Universal & Commercial Banks by Type (%), 2007

Figure 5-8: Philippines - Deposits with Thrift Banks (in Billion Pesos), 2004-2007

Figure 5-9: Philippines - Types of Deposits with Thrift Banks (%), 2007

Figure 5-10: Philippines - Deposits with Rural & Cooperative Banks (in Billion Pesos), 2004-2007

Figure 5-11: Philippines - Types of Deposits with Rural & Cooperative Banks (%), 2007

Figure 5-12: Philippines - Number of Credit Cards (in Million), 2007*-2011F

Figure 5-13: Philippines - Credit Card Receivables* by Banking Group (%), 2007

Figure 5-14: Philippines - Credit Card Purchases (in Billion Pesos), 2007*-2011F

Figure 5-15: Philippines - Mutual Fund Assets under Management (in Billion Pesos), 2006 & 2007E

Figure 6-1: Philippines - Forecast for Mobile Banking Users (in Million), 2008-2011

Figure 6-2: Philippines - Forecast for Mobile Subscribers (in Million) & Penetration (%), 2008-2011

Figure 6-3: Philippines - Forecast for Bancassurance in Life Insurance Product Sales (%), 2011

Figure 6-4: Philippines - Forecast for Microfinance Industry (in Billion Pesos), 2008-2010

Figure 6-5: Philippines - Forecast for Mass Affluent Households (in ‘000), 2008-2012

Figure 6-6: Philippines - Forecast for Wealth of Mass Affluent Households (in Billion US$), 2008-2012

Figure 6-7: Philippines - Forecast for IT Spending* by Banking Industry (in Million US$), 2008-2011

Figure 6-8: Philippines - Forecast for Mutual Fund Assets under Management (in Billion Pesos), 2008-2011


List of Tables:


Table 2-1: Asia - Top Performing Banks by Country (2007)

Table 5-1: Philippines - Assets by Banking Group (in Billion Pesos), 2004-2007

Table 5-2: Philippines - Interest Rates for Deposits by Time Period (%), 2001-2007 & Mar2008

Table 5-3: Philippines - Operating Income by Banking Group (in Billion Pesos), 2004-2007

Table 5-4: Philippines - Assets Quality Ratios of Banking Industry (%), 2004-2007

Table 5-5: Philippines - Profitability Ratios of Banking Industry (%), 2004-2007

Table 5-6: Philippines - Deposits* with Universal & Commercial Banks by Type (in Billion Pesos), 2004-2007

Table 5-7: Philippines - Types of Deposits with Thrift Banks (in Billion Pesos), 2004-2007

Table 5-8: Philippines - Types of Deposits with Rural & Cooperative Banks (in Billion Pesos), 2004-2007

Table 5-9: Philippines - Loans Portfolio of Banking Industry (in Billion Pesos), 2004-2007

Table 5-10: Philippines - Loans Portfolio of Universal & Commercial Banks (in Billion Pesos), 2004-2007

Table 5-11: Philippines - Loans Portfolio of Thrift Banks (in Billion Pesos), 2004-2007

Table 5-12: Philippines - Loans Portfolio of Rural & Cooperative Banks (in Billion Pesos), 2004-2007

Table 5-13: Philippines - ATM by Banking Group (in Number), 2004-2007

Table 5-14: Philippines - On-site & Off-site ATM by Banking Group (in Number), 2004-2007

Abstract

Over a period of time, the banking industry of the Philippines has seen a transformation with the reforms being carried out by both the banking regulator and the government. The reform process has resulted in improved banking industry, with industry income touching new heights in 2007. Moreover, the Philippine banking industry has been undergoing consolidation that will further strengthen its position as new entities will increase the competition level. Moreover, banks will continue to be supported by a benign economic outlook, which reduces the likelihood of a sharp increase in unemployment or corporate bankruptcies, as per ""Philippines Banking Sector Analysis"", a new research report by RNCOS.

The report provides extensive research and rational analysis on the Philippines banking industry and helps clients in analyzing the current performance and growth opportunities that exist in the banking industry. The report provides detailed overview of the banking industry in the Philippines by contemplating and analyzing various parameters like assets size, income level, number of financial cardholders etc. It helps clients to understand various products available in the Philippines banking industry and their future scope.

The future forecast discusses the future prospects of different arms of banking industry, including bancassurance, financial cards, mobile banking and role of technology in banking. The future projection given in this report is done on the basis of the current market scenario, past trends, and rules and regulations laid by the central bank.

For the purpose of this research report, Asia consist of China, India, Hong Kong, Taiwan, South Korea, Singapore, Malaysia, Thailand, Indonesia, Philippines and Vietnam.

Key Findings
  • The Philippine banking industry posted a CAGR hike of 8.46% in asset base between 2004 and 2007.
  • Industry deposits in the country grew at a CAGR of 9.82% from 2004 to 2007.
  • Deposit mobilization is concentrated with universal and commercial banks, which account for the majority of the Philippine banking industry deposit.
  • Financial Intermediation was the largest shareholder of the loan disbursal by banks during 2004-2007.
  • Bancassurance will account for 65% of the total sales of insurance products by 2011.
  • Increasing at a CAGR of 69.78%, microfinancing in the Philippines is expected to reach 56.5 Billion Pesos.
  • Increasing mobile penetration will expand the mobile banking user base to more than 11 Million by 2011.
Key Issues & Facts Analyzed
  • Market analysis of different product segments in the banking industry.
  • Evaluation of current market trends.
  • Factors driving growth in the Philippines banking industry.
  • Analysis of challenges and opportunities for the industry.
Key Players Analyzed

This section covers the overview about the major players in the Philippines banking industry like Metropolitan Bank and Trust, Bank of the Philippine Islands, Banco de Oro UniBank Inc. and Land Bank of the Philippines.

Research Methodology Used

Information Sources
Information has been sourced from books, newspapers, trade journals, and white papers, industry portals, government agencies, trade associations, monitoring industry news and developments, and through access to more than 3000 paid databases.

Analysis Method
The analysis methods include ratio analysis, historical trend analysis, linear regression analysis using software tools, judgmental forecasting, and cause and effect analysis.

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