16 Selected Performance Indicators                          
                             
                             
  Universal and Commercial Bank Group                          
  as of end of periods indicated                          
  amounts in thousand Pesos, ratios in percent (%)                          
                             
   
  Selected Accounts Jan-16 Feb-16 Mar-16 Apr-16 May-16 Jun-16 Jul-16 Aug-16 Sep-16 Oct-16 Nov-16 Dec-16  
   
  ASSET QUALITY RATIOS:   
  Past Due Ratio 1.89 1.95 1.91 1.95 1.97 1.89 1.92 1.90 1.86 1.83 1.80 1.62  
  Past Due Loans 106,862,025.49 109,373,606.06 108,286,183.01 112,295,554.05 115,775,189.09 112,111,299.24 113,417,216.88 114,319,616.53 114,306,779.78 115,029,752.79 117,245,051.73 108,349,169.46  
  Total Loan Portfolio (TLP), gross  5,654,532,533.83 5,613,266,913.25 5,659,766,344.70 5,748,320,258.37 5,865,685,353.44 5,940,313,080.52 5,922,374,625.75 6,020,262,236.14 6,144,623,401.01 6,293,237,576.57 6,510,820,519.50 6,706,311,516.61  
  RL to TLP 0.50 0.50 0.48 0.47 0.46 0.46 0.45 0.47 0.47 0.46 0.45 0.45  
  Restructured Loans (RL), gross 28,195,428.87 27,826,770.50 27,298,570.96 27,127,999.39 26,779,504.07 27,123,382.17 26,936,416.13 28,026,637.32 28,834,482.11 29,033,033.70 29,270,676.69 30,446,360.35  
  TLP, gross  5,654,532,533.83 5,613,266,913.25 5,659,766,344.70 5,748,320,258.37 5,865,685,353.44 5,940,313,080.52 5,922,374,625.75 6,020,262,236.14 6,144,623,401.01 6,293,237,576.57 6,510,820,519.50 6,706,311,516.61  
  Loan Loss Reserves (LLR) to TLP 2.30 2.32 2.28 2.25 2.22 2.20 2.22 2.19 2.17 2.11 2.06 2.02  
  Allowance for Credit Losses (ACL) - TLP 130,197,087.00 130,328,023.80 129,192,891.28 129,297,841.96 130,193,034.20 130,708,477.18 131,457,880.98 131,947,202.00 133,464,610.73 133,055,359.32 134,207,266.77 135,698,627.08  
  TLP, gross  5,654,532,533.83 5,613,266,913.25 5,659,766,344.70 5,748,320,258.37 5,865,685,353.44 5,940,313,080.52 5,922,374,625.75 6,020,262,236.14 6,144,623,401.01 6,293,237,576.57 6,510,820,519.50 6,706,311,516.61  
  Gross NPL Ratio 1.67 1.72 1.72 1.68 1.68 1.65 1.65 1.63 1.60 1.56 1.52 1.40  
  Gross Non-Performing Loans (NPL) 94,422,933.30 96,680,272.31 97,112,288.45 96,288,072.89 98,805,407.41 98,198,203.15 97,912,516.11 98,226,501.35 98,398,475.26 98,424,796.32 98,707,429.62 93,801,193.96  
  TLP, gross  5,654,532,533.83 5,613,266,913.25 5,659,766,344.70 5,748,320,258.37 5,865,685,353.44 5,940,313,080.52 5,922,374,625.75 6,020,262,236.14 6,144,623,401.01 6,293,237,576.57 6,510,820,519.50 6,706,311,516.61  
  Gross NPL Ratio, net of IBL 1.72 1.77 1.77 1.72 1.72 1.69 1.69 1.67 1.64 1.61 1.57 1.44  
  Gross NPL, net of NP IBL 93,825,001.80 96,082,208.82 96,514,137.37 95,696,624.88 97,811,319.22 97,204,727.23 96,919,962.41 97,234,368.85 97,384,860.51 97,412,422.25 97,690,445.62 92,798,655.09  
  (1) Gross NPL 94,422,933.30 96,680,272.31 97,112,288.45 96,288,072.89 98,805,407.41 98,198,203.15 97,912,516.11 98,226,501.35 98,398,475.26 98,424,796.32 98,707,429.62 93,801,193.96  
  (2) Non-performing IBL 597,931.50 598,063.49 598,151.07 591,448.01 994,088.19 993,475.92 992,553.69 992,132.51 1,013,614.74 1,012,374.07 1,016,984.00 1,002,538.87  
  TLP, gross net of IBL 5,441,043,134.27 5,431,015,011.99 5,463,982,583.11 5,550,743,024.45 5,676,238,437.05 5,735,154,023.96 5,738,898,200.93 5,815,522,079.77 5,928,827,260.34 6,061,693,205.94 6,223,051,600.60 6,440,846,294.24  
  (1) TLP, gross 5,654,532,533.83 5,613,266,913.25 5,659,766,344.70 5,748,320,258.37 5,865,685,353.44 5,940,313,080.52 5,922,374,625.75 6,020,262,236.14 6,144,623,401.01 6,293,237,576.57 6,510,820,519.50 6,706,311,516.61  
  (2) Interbank Loans Receivables (IBL) 213,489,399.55 182,251,901.27 195,783,761.59 197,577,233.92 189,446,916.39 205,159,056.56 183,476,424.82 204,740,156.37 215,796,140.67 231,544,370.63 287,768,918.90 265,465,222.37  
  Net NPL Ratio 0.42 0.48 0.51 0.50 0.52 0.52 0.47 0.48 0.46 0.26 0.42 0.32  
  NPL, net of Specific ACL 23,790,820.80 26,897,695.99 29,064,651.28 28,926,263.90 30,769,601.66 30,688,917.86 28,126,668.27 28,875,951.02 28,398,759.35 16,170,871.51 27,324,522.69 21,263,849.58  
  (1) Gross NPL 94,422,933.30 96,680,272.31 97,112,288.45 96,288,072.89 98,805,407.41 98,198,203.15 97,912,516.11 98,226,501.35 98,398,475.26 98,424,796.32 98,707,429.62 93,801,193.96  
  (2) Specific ACL 70,632,112.50 69,782,576.32 68,047,637.17 67,361,808.99 68,035,805.75 67,509,285.29 69,785,847.84 69,350,550.33 69,999,715.91 82,253,924.81 71,382,906.92 72,537,344.38  
  TLP, gross  5,654,532,533.83 5,613,266,913.25 5,659,766,344.70 5,748,320,258.37 5,865,685,353.44 5,940,313,080.52 5,922,374,625.75 6,020,262,236.14 6,144,623,401.01 6,293,237,576.57 6,510,820,519.50 6,706,311,516.61  
  NPL Coverage Ratio 137.89 134.80 133.03 134.28 131.77 133.11 134.26 134.33 135.64 135.18 135.96 144.67  
  ACL - TLP 130,197,087.00 130,328,023.80 129,192,891.28 129,297,841.96 130,193,034.20 130,708,477.18 131,457,880.98 131,947,202.00 133,464,610.73 133,055,359.32 134,207,266.77 135,698,627.08  
  Gross NPL 94,422,933.30 96,680,272.31 97,112,288.45 96,288,072.89 98,805,407.41 98,198,203.15 97,912,516.11 98,226,501.35 98,398,475.26 98,424,796.32 98,707,429.62 93,801,193.96  
  NPA to Gross Assets  1.60 1.61 1.59 1.58 1.59 1.55 1.56 1.56 1.53 1.51 1.48 1.38  
  Non-Performing Assets (NPA) 175,197,741.78 177,363,989.02 177,537,780.32 176,541,529.03 179,122,060.09 178,241,616.89 177,861,871.98 178,478,745.73 178,772,018.29 178,459,216.45 177,919,079.55 171,851,278.11  
  (1) Gross NPL 94,422,933.30 96,680,272.31 97,112,288.45 96,288,072.89 98,805,407.41 98,198,203.15 97,912,516.11 98,226,501.35 98,398,475.26 98,424,796.32 98,707,429.62 93,801,193.96  
  (2) ROPA, gross 80,774,808.48 80,683,716.71 80,425,491.87 80,253,456.14 80,316,652.68 80,043,413.74 79,949,355.87 80,252,244.38 80,373,543.03 80,034,420.13 79,211,649.93 78,050,084.15  
  (a) Real and Other Properties Acquired (ROPA) 74,599,207.71 74,591,294.94 74,347,971.57 74,199,435.89 74,545,052.96 74,436,643.73 74,624,355.61 75,015,285.23 74,721,852.81 74,411,911.94 73,459,345.22 72,528,038.08  
  (b) Non-Current Assets Held for Sale 1,632,303.55 1,508,052.31 1,586,010.35 1,621,522.33 1,645,221.85 1,510,890.76 1,528,543.19 1,508,714.70 1,941,367.60 1,995,321.89 2,087,492.19 1,899,719.41  
  (c) Non-Performing Sales Contract Receivables (SCR) 4,543,297.23 4,584,369.46 4,491,509.94 4,432,497.91 4,126,377.87 4,095,879.26 3,796,457.07 3,728,244.44 3,710,322.61 3,627,186.30 3,664,812.52 3,622,326.66  
  Gross Assets 10,930,459,082.51 11,033,475,316.93 11,144,503,032.61 11,167,691,856.46 11,240,020,613.17 11,474,153,589.73 11,402,507,189.77 11,460,551,838.83 11,714,124,624.95 11,809,486,341.93 12,061,429,033.89 12,463,063,188.00  
  (1) Total Assets 10,774,623,971.58 10,877,395,763.37 10,989,610,473.71 11,012,636,593.51 11,083,800,486.81 11,317,189,624.39 11,244,665,962.55 11,302,169,287.33 11,554,437,309.08 11,650,187,077.38 11,901,163,009.28 12,301,727,328.93  
  (2) Allowance on NPA 155,835,110.93 156,079,553.56 154,892,558.90 155,055,262.95 156,220,126.36 156,963,965.33 157,841,227.22 158,382,551.50 159,687,315.86 159,299,264.55 160,266,024.60 161,335,859.07  
  NPA Coverage Ratio 88.95 88.00 87.24 87.83 87.21 88.06 88.74 88.74 89.32 89.26 90.08 93.88  
  Allowance on NPA 155,835,110.93 156,079,553.56 154,892,558.90 155,055,262.95 156,220,126.36 156,963,965.33 157,841,227.22 158,382,551.50 159,687,315.86 159,299,264.55 160,266,024.60 161,335,859.07  
  NPA 175,197,741.78 177,363,989.02 177,537,780.32 176,541,529.03 179,122,060.09 178,241,616.89 177,861,871.98 178,478,745.73 178,772,018.29 178,459,216.45 177,919,079.55 171,851,278.11  
  Distressed Assets Ratio 3.28 3.33 3.30 3.23 3.20 3.16 3.16 3.12 3.07 3.00 2.90 2.76  
  Distressed Assets 188,609,977.86 190,162,940.32 189,576,762.27 188,763,246.87 190,806,801.90 190,442,570.58 189,825,855.33 190,683,449.03 191,665,610.01 191,499,378.91 191,379,812.42 187,341,607.79  
  NPA 175,197,741.78 177,363,989.02 177,537,780.32 176,541,529.03 179,122,060.09 178,241,616.89 177,861,871.98 178,478,745.73 178,772,018.29 178,459,216.45 177,919,079.55 171,851,278.11  
  RL, Performing 13,412,236.08 12,798,951.29 12,038,981.96 12,221,717.84 11,684,741.80 12,200,953.69 11,963,983.35 12,204,703.30 12,893,591.73 13,040,162.46 13,460,732.88 15,490,329.68  
  TLP, gross  5,654,532,533.83 5,613,266,913.25 5,659,766,344.70 5,748,320,258.37 5,865,685,353.44 5,940,313,080.52 5,922,374,625.75 6,020,262,236.14 6,144,623,401.01 6,293,237,576.57 6,510,820,519.50 6,706,311,516.61  
  Total ROPA 89,573,850.93 89,319,634.81 88,986,356.98 88,781,870.78 89,078,989.50 88,742,845.92 88,354,915.11 88,545,712.80 88,543,701.50 88,442,337.12 87,625,473.86 87,365,401.49  
  (1) ROPA, gross 80,774,808.48 80,683,716.71 80,425,491.87 80,253,456.14 80,316,652.68 80,043,413.74 79,949,355.87 80,252,244.38 80,373,543.03 80,034,420.13 79,211,649.93 78,050,084.15  
  (2) Performing SCR 8,799,042.45 8,635,918.09 8,560,865.12 8,528,414.64 8,762,336.82 8,699,432.18 8,405,559.24 8,293,468.42 8,170,158.47 8,407,917.00 8,413,823.93 9,315,317.34  
  LIQUIDITY RATIOS  
  (1) Cash and Due from Banks to Deposits 26.36 27.46 27.89 26.58 26.37 27.43 26.28 26.37 26.56 26.30 25.66 26.93  
  Cash and Due from Banks   2,177,478,785.80 2,286,118,957.08 2,358,251,011.04 2,257,084,668.74 2,258,638,970.91 2,381,542,425.15 2,286,749,731.62 2,292,274,582.27 2,346,429,232.64 2,330,232,450.20 2,335,007,511.08 2,553,674,550.70  
  Deposits 8,261,493,304.44 8,323,767,947.43 8,455,574,670.29 8,491,687,627.79 8,563,958,128.45 8,681,089,072.68 8,700,150,433.50 8,694,264,220.16 8,834,467,105.84 8,859,144,896.79 9,100,834,537.79 9,482,803,892.68  
  (2) Liquid Assets to Deposits Ratio 54.98 55.76 56.26 55.06 54.15 55.30 54.29 54.05 54.64 53.77 52.70 52.74  
  Liquid Assets, sum of: 4,542,399,245.76 4,640,932,299.60 4,757,120,640.35 4,675,789,913.28 4,637,384,053.57 4,800,707,227.29 4,723,690,752.42 4,699,260,033.16 4,827,494,367.53 4,763,896,193.44 4,796,098,810.06 5,000,795,346.86  
  (1) Cash and Due from Banks 2,177,478,785.80 2,286,118,957.08 2,358,251,011.04 2,257,084,668.74 2,258,638,970.91 2,381,542,425.15 2,286,749,731.62 2,292,274,582.27 2,346,429,232.64 2,330,232,450.20 2,335,007,511.08 2,553,674,550.70  
  (2) Financial Assets, net (excl. equity investments) 2,364,920,459.96 2,354,813,342.51 2,398,869,629.31 2,418,705,244.55 2,378,745,082.66 2,419,164,802.14 2,436,941,020.80 2,406,985,450.89 2,481,065,134.89 2,433,663,743.23 2,461,091,298.98 2,447,120,796.16  
  Deposits 8,261,493,304.44 8,323,767,947.43 8,455,574,670.29 8,491,687,627.79 8,563,958,128.45 8,681,089,072.68 8,700,150,433.50 8,694,264,220.16 8,834,467,105.84 8,859,144,896.79 9,100,834,537.79 9,482,803,892.68  
  (3) Loans (gross) to Deposits 68.44 67.44 66.94 67.69 68.49 68.43 68.07 69.24 69.55 71.04 71.54 70.72  
  Loans (gross) 5,654,532,533.83 5,613,266,913.25 5,659,766,344.70 5,748,320,258.37 5,865,685,353.44 5,940,313,080.52 5,922,374,625.75 6,020,262,236.14 6,144,623,401.01 6,293,237,576.57 6,510,820,519.50 6,706,311,516.61  
  Deposits 8,261,493,304.44 8,323,767,947.43 8,455,574,670.29 8,491,687,627.79 8,563,958,128.45 8,681,089,072.68 8,700,150,433.50 8,694,264,220.16 8,834,467,105.84 8,859,144,896.79 9,100,834,537.79 9,482,803,892.68  
  SELECTED PROFITABILITY RATIOS  
  (1)  Return on Assets (ROA) 1.17 1.21 1.23 1.18  
  Annualized Net Profit or Loss  122,443,622.00 128,884,552.01 134,659,751.86 136,955,927.90  
  Average Assets 10,472,332,874.43 10,688,013,950.19 10,975,476,544.43 11,598,452,957.42  
  Total Assets (last year) 9,955,055,275.14 10,058,838,276.00 10,396,515,779.78 10,895,178,585.90  
  Total Assets (current year) 10,989,610,473.71 11,317,189,624.39 11,554,437,309.08 12,301,727,328.93  
  (2) Return on Equity (ROE) 9.80 9.82 9.97 10.49  
  Annualized Net Profit or Loss  122,443,622.00 128,884,552.01 134,659,751.86 136,955,927.90  
  Average Capital 1,249,192,057.70 1,312,882,916.89 1,351,295,497.88 1,305,326,547.10  
  Total Capital (last year) 1,212,114,423.67 1,268,706,127.18 1,322,030,979.18 1,238,226,464.79  
  Total Capital (current year) 1,286,269,691.73 1,357,059,706.60 1,380,560,016.57 1,372,426,629.42  
  (3) Earning Asset Yield 3.91 3.92 3.90 3.77  
  Annualized Interest Income 378,306,065.62 388,814,429.30 396,707,788.00 405,974,859.21  
  Average Earning Assets 9,671,136,695.15 9,912,925,035.41 10,184,367,487.83 10,765,600,873.15  
  Earning Assets (last year) 9,161,203,222.52 9,321,645,540.27 9,626,850,970.61 10,074,839,658.17  
  Earning Assets (current year) 10,181,070,167.78 10,504,204,530.54 10,741,884,005.04 11,456,362,088.13  
  (4) Funding Cost 0.99 0.99 0.98 0.93  
  Annualized Interest Expense 85,841,322.53 87,926,685.27 89,263,829.40 91,029,543.02  
  Average Interest Bearing Liabilities 8,694,586,731.26 8,883,814,779.92 9,113,558,238.48 9,737,089,620.97  
  Interest Bearing Liabilities (last year) 8,256,630,841.06 8,331,591,974.98 8,573,510,079.62 9,109,979,022.44  
  Interest Bearing Liabilities (current year) 9,132,542,621.46 9,436,037,584.87 9,653,606,397.34 10,364,200,219.49  
  (5) Interest Spread 2.92 2.93 2.92 2.84  
  (3) Earning Asset Yield 3.91 3.92 3.90 3.77  
  (4) Funding Cost 0.99 0.99 0.98 0.93  
  (6) Net Interest Margin 3.02 3.03 3.02 2.92  
  Annualized Net Interest Income 292,273,856.02 300,700,671.95 307,178,015.29 314,877,575.92  
  Average Earning Assets 9,671,136,695.15 9,912,925,035.41 10,184,367,487.83 10,765,600,873.15  
  (7) Cost to Income Ratio 63.81 63.91 63.78 62.96  
  Annualized Non-Interest Expenses 255,810,389.47 265,224,362.34 273,551,251.23 279,367,448.23  
  Annualized Total Operating Income 400,916,828.32 414,992,056.84 428,889,872.65 443,735,026.33  
  (8) Net Interest Income to Total Operating Income 72.90 72.46 71.62 70.96  
  Annualized Net Interest Income  292,273,856.02 300,700,671.95 307,178,015.29 314,877,575.92  
  Annualized Total Operating Income 400,916,828.32 414,992,056.84 428,889,872.65 443,735,026.33  
  (9) Non-interest Income to Total Operating Income 27.10 27.54 28.38 29.04  
  Annualized Non-Interest Income 108,642,972.30 114,291,384.89 121,711,857.36 128,857,450.42  
  Annualized Total Operating Income 400,916,828.32 414,992,056.84 428,889,872.65 443,735,026.33  
  CAPITAL ADEQUACY  
  Capital Adequacy Ratio - Solo 15.03 15.37 15.40 14.38p/  
  Capital Adequacy Ratio - Conso 15.80 16.12 16.15 15.12p/  
  Total Capital Accounts to Total Assets 11.65 11.62 11.70 12.06 12.06 11.99 12.20 12.20 11.95 11.85 11.47 11.16  
                             
Source : Supervisory Data Center, Supervision and Examination Sector, Bangko Sentral ng Pilipinas
Updated as of 7 August 2017