25 Selected Performance Indicators                          
                             
                             
  Universal 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 1.80 1.85 1.82 1.81 1.84 1.75 1.78 1.78 1.76 1.73 1.70 1.52  
  Past Due Loans 93,594,251.21 95,811,608.52 94,788,667.21 95,677,184.48 99,276,893.55 95,600,420.82 97,515,034.17 98,710,682.85 99,099,999.44 99,483,568.97 101,188,371.58 93,080,149.74  
  Total Loan Portfolio (TLP), gross  5,203,393,677.30 5,166,604,480.54 5,208,134,755.32 5,294,456,989.80 5,398,341,447.77 5,475,511,656.42 5,465,207,910.08 5,541,138,200.32 5,636,147,539.65 5,740,315,039.14 5,959,810,733.32 6,111,385,957.42  
  RL to TLP 0.46 0.46 0.45 0.44 0.43 0.42 0.42 0.44 0.44 0.44 0.43 0.44  
  Restructured Loans (RL), gross 24,195,116.59 23,895,101.90 23,375,665.82 23,228,158.94 23,256,323.90 23,154,719.76 23,048,578.61 24,154,690.70 24,933,319.96 25,136,650.05 25,404,533.20 26,780,107.73  
  TLP, gross  5,203,393,677.30 5,166,604,480.54 5,208,134,755.32 5,294,456,989.80 5,398,341,447.77 5,475,511,656.42 5,465,207,910.08 5,541,138,200.32 5,636,147,539.65 5,740,315,039.14 5,959,810,733.32 6,111,385,957.42  
  Loan Loss Reserves (LLR) to TLP 2.22 2.23 2.19 2.16 2.13 2.11 2.12 2.10 2.07 2.06 2.00 1.98  
  Allowance for Credit Losses (ACL) - TLP 115,433,696.42 115,238,278.07 114,137,718.39 114,146,416.13 114,881,524.28 115,368,912.38 115,986,645.73 116,267,241.36 116,867,640.12 118,171,934.96 119,175,474.55 121,113,155.91  
  TLP, gross  5,203,393,677.30 5,166,604,480.54 5,208,134,755.32 5,294,456,989.80 5,398,341,447.77 5,475,511,656.42 5,465,207,910.08 5,541,138,200.32 5,636,147,539.65 5,740,315,039.14 5,959,810,733.32 6,111,385,957.42  
  Gross NPL Ratio 1.61 1.66 1.65 1.62 1.63 1.60 1.59 1.58 1.56 1.53 1.47 1.37  
  Gross Non-Performing Loans (NPL) 83,526,015.12 85,624,906.98 85,825,740.96 85,942,262.93 88,057,099.49 87,435,600.59 87,147,307.38 87,397,542.85 87,689,962.57 87,646,639.15 87,730,566.76 83,546,968.70  
  TLP, gross  5,203,393,677.30 5,166,604,480.54 5,208,134,755.32 5,294,456,989.80 5,398,341,447.77 5,475,511,656.42 5,465,207,910.08 5,541,138,200.32 5,636,147,539.65 5,740,315,039.14 5,959,810,733.32 6,111,385,957.42  
  Gross NPL Ratio, net of IBL 1.65 1.70 1.69 1.67 1.66 1.63 1.63 1.61 1.59 1.56 1.52 1.40  
  Gross NPL, net of NP IBL 82,928,083.62 85,026,843.48 85,227,589.89 85,350,814.92 87,063,011.30 86,442,124.67 86,154,753.68 86,405,410.34 86,676,347.82 86,634,265.08 86,713,582.76 82,544,429.84  
  (1) Gross NPL 83,526,015.12 85,624,906.98 85,825,740.96 85,942,262.93 88,057,099.49 87,435,600.59 87,147,307.38 87,397,542.85 87,689,962.57 87,646,639.15 87,730,566.76 83,546,968.70  
  (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 5,017,302,932.18 5,007,003,420.24 5,040,229,797.98 5,122,325,011.47 5,232,691,746.79 5,294,812,607.02 5,299,128,369.52 5,363,983,252.92 5,459,668,319.24 5,544,532,888.80 5,708,825,962.87 5,883,253,321.04  
  (1) TLP, gross 5,203,393,677.30 5,166,604,480.54 5,208,134,755.32 5,294,456,989.80 5,398,341,447.77 5,475,511,656.42 5,465,207,910.08 5,541,138,200.32 5,636,147,539.65 5,740,315,039.14 5,959,810,733.32 6,111,385,957.42  
  (2) Interbank Loans Receivables (IBL) 186,090,745.12 159,601,060.30 167,904,957.34 172,131,978.34 165,649,700.98 180,699,049.41 166,079,540.56 177,154,947.40 176,479,220.41 195,782,150.34 250,984,770.46 228,132,636.38  
  Net NPL Ratio 0.41 0.47 0.49 0.49 0.51 0.50 0.50 0.48 0.48 0.27 0.44 0.34  
  NPL, net of Specific ACL 21,192,821.78 24,297,796.28 25,683,080.26 25,960,367.65 27,523,444.40 27,603,461.31 27,070,779.43 26,675,215.55 26,918,827.02 15,296,304.84 26,353,511.18 20,527,217.45  
  (1) Gross NPL 83,526,015.12 85,624,906.98 85,825,740.96 85,942,262.93 88,057,099.49 87,435,600.59 87,147,307.38 87,397,542.85 87,689,962.57 87,646,639.15 87,730,566.76 83,546,968.70  
  (2) Specific ACL 62,333,193.34 61,327,110.70 60,142,660.71 59,981,895.27 60,533,655.09 59,832,139.28 60,076,527.94 60,722,327.31 60,771,135.55 72,350,334.31 61,377,055.58 63,019,751.25  
  TLP, gross  5,203,393,677.30 5,166,604,480.54 5,208,134,755.32 5,294,456,989.80 5,398,341,447.77 5,475,511,656.42 5,465,207,910.08 5,541,138,200.32 5,636,147,539.65 5,740,315,039.14 5,959,810,733.32 6,111,385,957.42  
  NPL Coverage Ratio 138.20 134.58 132.99 132.82 130.46 131.95 133.09 133.03 133.27 134.83 135.84 144.96  
  ACL - TLP 115,433,696.42 115,238,278.07 114,137,718.39 114,146,416.13 114,881,524.28 115,368,912.38 115,986,645.73 116,267,241.36 116,867,640.12 118,171,934.96 119,175,474.55 121,113,155.91  
  Gross NPL 83,526,015.12 85,624,906.98 85,825,740.96 85,942,262.93 88,057,099.49 87,435,600.59 87,147,307.38 87,397,542.85 87,689,962.57 87,646,639.15 87,730,566.76 83,546,968.70  
  NPA to Gross Assets  1.57 1.57 1.56 1.55 1.56 1.52 1.52 1.52 1.49 1.47 1.44 1.34  
  Non-Performing Assets (NPA) 156,214,750.23 158,222,449.82 158,161,831.22 158,174,943.73 159,926,542.39 159,014,908.74 158,585,382.06 159,027,910.96 159,448,236.00 158,984,279.68 158,132,589.34 152,729,260.58  
  (1) Gross NPL 83,526,015.12 85,624,906.98 85,825,740.96 85,942,262.93 88,057,099.49 87,435,600.59 87,147,307.38 87,397,542.85 87,689,962.57 87,646,639.15 87,730,566.76 83,546,968.70  
  (2) ROPA, gross 72,688,735.11 72,597,542.84 72,336,090.25 72,232,680.80 71,869,442.90 71,579,308.15 71,438,074.68 71,630,368.10 71,758,273.43 71,337,640.54 70,402,022.58 69,182,291.88  
  (a) Real and Other Properties Acquired (ROPA) 67,030,538.07 67,016,617.67 66,767,125.60 66,667,438.59 66,490,898.80 66,374,218.77 66,485,263.50 66,767,512.38 66,477,094.87 66,074,587.25 65,005,013.05 63,973,400.20  
  (b) Non-Current Assets Held for Sale 1,552,975.66 1,428,724.42 1,513,828.22 1,549,340.20 1,573,793.03 1,444,909.02 1,462,561.45 1,442,732.96 1,875,385.86 1,929,340.15 2,026,429.05 1,838,656.27  
  (c) Non-Performing Sales Contract Receivables (SCR) 4,105,221.38 4,152,200.75 4,055,136.44 4,015,902.01 3,804,751.06 3,760,180.36 3,490,249.73 3,420,122.76 3,405,792.70 3,333,713.14 3,370,580.47 3,370,235.41  
  Gross Assets 9,956,840,986.16 10,063,131,152.72 10,110,505,392.19 10,195,242,011.88 10,249,659,963.95 10,459,492,126.04 10,408,354,989.53 10,470,599,215.30 10,701,276,792.12 10,785,507,053.27 11,012,481,184.36 11,391,996,712.64  
  (1) Total Assets 9,817,521,112.70 9,923,912,506.47 9,972,456,806.25 10,057,135,764.85 10,110,848,990.25 10,320,004,874.06 10,268,134,083.41 10,330,054,721.83 10,560,355,324.75 10,643,284,732.36 10,869,442,785.57 11,247,444,546.36  
  (2) Allowance on NPA 139,319,873.46 139,218,646.24 138,048,585.94 138,106,247.02 138,810,973.70 139,487,251.99 140,220,906.13 140,544,493.47 140,921,467.37 142,222,320.90 143,038,398.78 144,552,166.28  
  NPA Coverage Ratio 89.18 87.99 87.28 87.31 86.80 87.72 88.42 88.38 88.38 89.46 90.45 94.65  
  Allowance on NPA 139,319,873.46 139,218,646.24 138,048,585.94 138,106,247.02 138,810,973.70 139,487,251.99 140,220,906.13 140,544,493.47 140,921,467.37 142,222,320.90 143,038,398.78 144,552,166.28  
  NPA 156,214,750.23 158,222,449.82 158,161,831.22 158,174,943.73 159,926,542.39 159,014,908.74 158,585,382.06 159,027,910.96 159,448,236.00 158,984,279.68 158,132,589.34 152,729,260.58  
  Distressed Assets Ratio 3.18 3.23 3.19 3.14 3.11 3.05 3.05 3.02 2.99 2.93 2.82 2.69  
  Distressed Assets 167,840,365.31 169,301,497.16 168,545,390.31 168,754,487.53 170,248,963.92 169,653,537.85 169,007,362.23 169,716,740.44 170,763,221.71 170,455,949.49 170,057,346.14 166,715,268.73  
  NPA 156,214,750.23 158,222,449.82 158,161,831.22 158,174,943.73 159,926,542.39 159,014,908.74 158,585,382.06 159,027,910.96 159,448,236.00 158,984,279.68 158,132,589.34 152,729,260.58  
  RL, Performing 11,625,615.09 11,079,047.34 10,383,559.09 10,579,543.80 10,322,421.54 10,638,629.11 10,421,980.17 10,688,829.48 11,314,985.71 11,471,669.81 11,924,756.80 13,986,008.14  
  TLP, gross  5,203,393,677.30 5,166,604,480.54 5,208,134,755.32 5,294,456,989.80 5,398,341,447.77 5,475,511,656.42 5,465,207,910.08 5,541,138,200.32 5,636,147,539.65 5,740,315,039.14 5,959,810,733.32 6,111,385,957.42  
  Total ROPA 80,484,148.75 80,254,940.00 79,929,842.62 79,766,821.08 79,594,831.81 79,284,107.71 78,859,048.31 78,957,238.27 78,983,389.36 78,773,322.64 78,069,427.54 77,736,072.25  
  (1) ROPA, gross 72,688,735.11 72,597,542.84 72,336,090.25 72,232,680.80 71,869,442.90 71,579,308.15 71,438,074.68 71,630,368.10 71,758,273.43 71,337,640.54 70,402,022.58 69,182,291.88  
  (2) Performing SCR 7,795,413.64 7,657,397.16 7,593,752.37 7,534,140.28 7,725,388.91 7,704,799.56 7,420,973.63 7,326,870.16 7,225,115.93 7,435,682.11 7,667,404.96 8,553,780.37  
  LIQUIDITY RATIOS  
  (1) Cash and Due from Banks to Deposits 25.11 26.42 26.39 25.58 25.34 26.39 25.20 25.32 25.55 25.37 24.61 26.10  
  Cash and Due from Banks   1,907,096,235.81 2,022,546,382.34 2,047,791,434.25 1,998,181,416.28 1,992,283,560.94 2,106,876,182.77 2,016,526,596.49 2,024,410,879.86 2,076,380,994.04 2,065,554,793.12 2,058,173,322.00 2,277,973,460.36  
  Deposits 7,594,425,551.56 7,654,670,745.63 7,760,459,448.59 7,813,014,303.68 7,862,462,247.01 7,982,141,689.57 8,001,164,113.50 7,996,657,120.38 8,126,938,987.09 8,140,952,370.22 8,364,483,524.97 8,728,035,694.05  
  (2) Liquid Assets to Deposits Ratio 53.69 54.45 54.46 53.95 53.03 53.93 53.06 53.00 53.81 53.36 52.03 52.45  
  Liquid Assets, sum of: 4,077,085,508.85 4,167,868,194.95 4,225,977,792.50 4,214,775,776.39 4,169,281,056.35 4,305,032,591.30 4,245,312,839.13 4,238,279,264.38 4,373,445,436.79 4,344,207,678.34 4,352,149,938.61 4,577,545,568.25  
  (1) Cash and Due from Banks 1,907,096,235.81 2,022,546,382.34 2,047,791,434.25 1,998,181,416.28 1,992,283,560.94 2,106,876,182.77 2,016,526,596.49 2,024,410,879.86 2,076,380,994.04 2,065,554,793.12 2,058,173,322.00 2,277,973,460.36  
  (2) Financial Assets, net (excl. equity investments) 2,169,989,273.04 2,145,321,812.61 2,178,186,358.25 2,216,594,360.11 2,176,997,495.42 2,198,156,408.52 2,228,786,242.64 2,213,868,384.52 2,297,064,442.75 2,278,652,885.22 2,293,976,616.61 2,299,572,107.89  
  Deposits 7,594,425,551.56 7,654,670,745.63 7,760,459,448.59 7,813,014,303.68 7,862,462,247.01 7,982,141,689.57 8,001,164,113.50 7,996,657,120.38 8,126,938,987.09 8,140,952,370.22 8,364,483,524.97 8,728,035,694.05  
  (3) Loans (gross) to Deposits 68.52 67.50 67.11 67.76 68.66 68.60 68.31 69.29 69.35 70.51 71.25 70.02  
  Loans (gross) 5,203,393,677.30 5,166,604,480.54 5,208,134,755.32 5,294,456,989.80 5,398,341,447.77 5,475,511,656.42 5,465,207,910.08 5,541,138,200.32 5,636,147,539.65 5,740,315,039.14 5,959,810,733.32 6,111,385,957.42  
  Deposits 7,594,425,551.56 7,654,670,745.63 7,760,459,448.59 7,813,014,303.68 7,862,462,247.01 7,982,141,689.57 8,001,164,113.50 7,996,657,120.38 8,126,938,987.09 8,140,952,370.22 8,364,483,524.97 8,728,035,694.05  
  SELECTED PROFITABILITY RATIOS  
  (1)  Return on Assets (ROA) 1.24 1.26 1.29 1.22  
  Annualized Net Profit or Loss  117,959,891.53 123,141,479.90 129,490,428.12 129,778,793.97  
  Average Assets 9,511,840,596.32 9,765,047,476.32 9,999,737,746.92 10,597,147,323.30  
  Total Assets (last year) 9,051,224,386.39 9,210,090,078.58 9,439,120,169.10 9,946,850,100.25  
  Total Assets (current year) 9,972,456,806.25 10,320,004,874.06 10,560,355,324.75 11,247,444,546.36  
  (2) Return on Equity (ROE) 10.62 10.50 10.87 11.09  
  Annualized Net Profit or Loss  117,959,891.53 123,141,479.90 129,490,428.12 129,778,793.97  
  Average Capital 1,111,089,165.21 1,173,211,402.21 1,190,812,697.37 1,169,865,094.25  
  Total Capital (last year) 1,072,605,203.69 1,130,271,038.45 1,141,287,056.10 1,106,893,568.64  
  Total Capital (current year) 1,149,573,126.73 1,216,151,765.98 1,240,338,338.64 1,232,836,619.85  
  (3) Earning Asset Yield 3.91 3.89 3.88 3.74  
  Annualized Interest Income 342,479,090.93 351,677,482.02 358,992,061.61 367,400,307.31  
  Average Earning Assets 8,763,024,093.21 9,040,442,282.68 9,259,664,208.08 9,816,352,264.73  
  Earning Assets (last year) 8,312,380,188.76 8,520,095,293.76 8,722,334,536.79 9,176,907,474.89  
  Earning Assets (current year) 9,213,667,997.66 9,560,789,271.60 9,796,993,879.37 10,455,797,054.57  
  (4) Funding Cost 1.00 1.00 0.99 0.94  
  Annualized Interest Expense 79,930,119.29 81,964,398.19 83,249,502.48 84,871,175.02  
  Average Interest Bearing Liabilities 7,996,380,961.59 8,197,340,528.71 8,403,187,618.11 9,004,980,292.79  
  Interest Bearing Liabilities (last year) 7,579,769,005.27 7,690,265,581.14 7,890,242,907.48 8,431,319,608.38  
  Interest Bearing Liabilities (current year) 8,412,992,917.91 8,704,415,476.28 8,916,132,328.75 9,578,640,977.20  
  (5) Interest Spread 2.91 2.89 2.89 2.80  
  (3) Earning Asset Yield 3.91 3.89 3.88 3.74  
  (4) Funding Cost 1.00 1.00 0.99 0.94  
  (6) Net Interest Margin 3.00 2.98 2.98 2.88  
  Annualized Net Interest Income 262,531,924.53 269,741,619.80 275,722,850.84 282,479,262.81  
  Average Earning Assets 8,763,024,093.21 9,040,442,282.68 9,259,664,208.08 9,816,352,264.73  
  (7) Cost to Income Ratio 62.86 63.12 63.20 61.91  
  Annualized Non-Interest Expenses 225,188,656.22 233,825,772.60 242,085,974.50 245,570,348.57  
  Annualized Total Operating Income 358,236,614.61 370,444,862.37 383,077,535.67 396,639,357.86  
  (8) Net Interest Income to Total Operating Income 73.28 72.82 71.98 71.22  
  Annualized Net Interest Income  262,531,924.53 269,741,619.80 275,722,850.84 282,479,262.81  
  Annualized Total Operating Income 358,236,614.61 370,444,862.37 383,077,535.67 396,639,357.86  
  (9) Non-interest Income to Total Operating Income 26.72 27.18 28.02 28.78  
  Annualized Non-Interest Income 95,704,690.08 100,703,242.57 107,354,684.83 114,160,095.05  
  Annualized Total Operating Income 358,236,614.61 370,444,862.37 383,077,535.67 396,639,357.86  
  CAPITAL ADEQUACY  
  Capital Adequacy Ratio - Solo 14.36 14.76 14.80 13.76p/  
  Capital Adequacy Ratio - Conso 15.29 15.66 15.69 14.64p/  
  Total Capital Accounts to Total Assets 11.42 11.37 11.53 11.84 11.86 11.78 11.99 11.99 11.75 11.67 11.29 10.96  
                             
Source : Supervisory Data Center, Supervision and Examination Sector, Bangko Sentral ng Pilipinas
Updated as of 7 August 2017