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-17 Feb-17 Mar-17 Apr-17 May-17 Jun-17 Jul-17 Aug-17 Sep-17 Oct-17 Nov-17 Dec-17  
   
  ASSET QUALITY RATIOS:   
  Past Due Ratio 1.73 1.76 1.72 1.76 1.71 1.71 1.79 1.73 1.68 1.73 1.67 1.46  
  Past Due Loans 114,124,033.48 117,210,557.89 116,114,364.32 118,797,871.54 118,454,551.33 121,355,432.69 126,679,611.70 123,051,135.83 124,582,186.49 127,607,386.34 127,200,856.26 114,520,104.35  
  Total Loan Portfolio (TLP), gross  6,614,952,340.07 6,678,654,352.38 6,751,129,276.89 6,744,785,059.47 6,946,565,662.47 7,089,734,315.51 7,065,113,147.57 7,130,700,655.77 7,435,519,451.20 7,362,899,721.90 7,596,862,557.81 7,867,078,204.77  
  RL to TLP 0.46 0.45 0.45 0.45 0.43 0.43 0.50 0.50 0.48 0.49 0.50 0.49  
  Restructured Loans (RL), gross 30,167,777.67 30,310,300.56 30,656,960.80 30,565,820.92 29,917,083.05 30,522,234.31 35,331,039.26 35,773,861.26 35,584,975.57 35,839,646.25 38,015,120.80 38,490,630.34  
  TLP, gross  6,614,952,340.07 6,678,654,352.38 6,751,129,276.89 6,744,785,059.47 6,946,565,662.47 7,089,734,315.51 7,065,113,147.57 7,130,700,655.77 7,435,519,451.20 7,362,899,721.90 7,596,862,557.81 7,867,078,204.77  
  Loan Loss Reserves (LLR) to TLP 2.07 2.06 2.05 2.07 2.00 1.96 1.99 2.00 1.93 1.97 1.94 1.85  
  Allowance for Credit Losses (ACL) - TLP 136,929,031.84 137,620,488.67 138,545,888.25 139,797,794.34 138,754,679.25 139,279,678.35 140,765,946.49 142,584,210.66 143,485,565.40 144,945,114.69 147,023,690.79 145,835,256.05  
  TLP, gross  6,614,952,340.07 6,678,654,352.38 6,751,129,276.89 6,744,785,059.47 6,946,565,662.47 7,089,734,315.51 7,065,113,147.57 7,130,700,655.77 7,435,519,451.20 7,362,899,721.90 7,596,862,557.81 7,867,078,204.77  
  Gross NPL Ratio 1.44 1.47 1.48 1.50 1.44 1.42 1.47 1.46 1.42 1.46 1.40 1.24  
  Gross Non-Performing Loans (NPL) 95,171,610.40 98,456,078.34 99,712,339.92 101,189,394.94 100,317,973.96 101,006,073.64 104,034,176.01 104,213,166.26 105,360,403.00 107,691,294.38 106,712,128.46 97,531,114.11  
  TLP, gross  6,614,952,340.07 6,678,654,352.38 6,751,129,276.89 6,744,785,059.47 6,946,565,662.47 7,089,734,315.51 7,065,113,147.57 7,130,700,655.77 7,435,519,451.20 7,362,899,721.90 7,596,862,557.81 7,867,078,204.77  
  Gross NPL Ratio, net of IBL 1.48 1.51 1.51 1.54 1.47 1.46 1.50 1.49 1.45 1.49 1.43 1.27  
  Gross NPL, net of NP IBL 94,175,869.57 97,460,710.44 98,714,776.80 100,204,308.27 99,299,405.61 99,940,399.05 102,939,971.23 103,100,593.85 104,242,712.94 106,576,488.98 105,592,312.18 96,824,704.75  
  (1) Gross NPL 95,171,610.40 98,456,078.34 99,712,339.92 101,189,394.94 100,317,973.96 101,006,073.64 104,034,176.01 104,213,166.26 105,360,403.00 107,691,294.38 106,712,128.46 97,531,114.11  
  (2) Non-performing IBL 995,740.83 995,367.90 997,563.12 985,086.67 1,018,568.34 1,065,674.59 1,094,204.78 1,112,572.41 1,117,690.07 1,114,805.41 1,119,816.28 706,409.36  
  TLP, gross net of IBL 6,369,640,168.42 6,461,364,234.69 6,554,147,430.50 6,520,349,094.87 6,744,258,528.89 6,861,663,517.15 6,861,810,688.14 6,920,929,005.82 7,182,283,348.23 7,153,604,847.35 7,360,772,838.83 7,617,114,420.62  
  (1) TLP, gross 6,614,952,340.07 6,678,654,352.38 6,751,129,276.89 6,744,785,059.47 6,946,565,662.47 7,089,734,315.51 7,065,113,147.57 7,130,700,655.77 7,435,519,451.20 7,362,899,721.90 7,596,862,557.81 7,867,078,204.77  
  (2) Interbank Loans Receivables (IBL) 245,312,171.65 217,290,117.69 196,981,846.39 224,435,964.61 202,307,133.58 228,070,798.36 203,302,459.44 209,771,649.95 253,236,102.97 209,294,874.54 236,089,718.99 249,963,784.15  
  Net NPL Ratio1/ 0.33 0.36 0.36 0.39 0.39 0.40 0.44 0.43 0.59 0.60 0.56 0.47  
  NPL, net of Specific ACL1/ 21,831,684.49 23,742,334.61 24,464,959.36 26,082,027.53 26,878,969.63 28,570,014.23 31,141,419.26 30,501,654.50 44,052,423.44 44,191,915.10 42,566,889.67 36,918,597.75  
  (1) Gross NPL 95,171,610.40 98,456,078.34 99,712,339.92 101,189,394.94 100,317,973.96 101,006,073.64 104,034,176.01 104,213,166.26 105,360,403.00 107,691,294.38 106,712,128.46 97,531,114.11  
  (2) Specific ACL 73,339,925.91 74,713,743.73 75,247,380.56 75,107,367.41 73,439,004.33 72,436,059.41 72,892,756.74 73,711,511.76 61,307,979.57 63,499,379.28 64,145,238.79 60,612,516.36  
  TLP, gross  6,614,952,340.07 6,678,654,352.38 6,751,129,276.89 6,744,785,059.47 6,946,565,662.47 7,089,734,315.51 7,065,113,147.57 7,130,700,655.77 7,435,519,451.20 7,362,899,721.90 7,596,862,557.81 7,867,078,204.77  
  NPL Coverage Ratio 143.88 139.78 138.95 138.15 138.31 137.89 135.31 136.82 136.19 134.59 137.78 149.53  
  ACL - TLP 136,929,031.84 137,620,488.67 138,545,888.25 139,797,794.34 138,754,679.25 139,279,678.35 140,765,946.49 142,584,210.66 143,485,565.40 144,945,114.69 147,023,690.79 145,835,256.05  
  Gross NPL 95,171,610.40 98,456,078.34 99,712,339.92 101,189,394.94 100,317,973.96 101,006,073.64 104,034,176.01 104,213,166.26 105,360,403.00 107,691,294.38 106,712,128.46 97,531,114.11  
  NPA to Gross Assets  1.40 1.42 1.42 1.42 1.40 1.36 1.38 1.37 1.36 1.39 1.37 1.25  
  Non-Performing Assets (NPA) 173,389,392.75 176,179,367.27 178,871,474.79 180,013,093.52 178,290,685.71 177,339,456.05 179,908,485.26 181,081,595.08 182,094,233.57 185,892,400.05 186,694,457.98 174,403,655.40  
  (1) Gross NPL 95,171,610.40 98,456,078.34 99,712,339.92 101,189,394.94 100,317,973.96 101,006,073.64 104,034,176.01 104,213,166.26 105,360,403.00 107,691,294.38 106,712,128.46 97,531,114.11  
  (2) ROPA, gross 77,926,802.65 77,723,288.93 79,159,134.87 78,823,698.58 77,972,711.75 76,333,382.41 75,874,309.25 76,868,428.82 76,733,830.56 78,201,105.67 79,982,329.52 76,872,541.29  
  (a) Real and Other Properties Acquired (ROPA) 72,608,791.84 72,128,095.23 73,510,576.38 73,304,995.64 72,372,994.26 71,026,829.19 70,661,962.54 70,544,402.50 69,909,252.82 71,666,948.87 73,217,523.85 71,560,656.84  
  (b) Non-Current Assets Held for Sale 1,899,295.16 1,888,525.35 2,083,204.56 2,078,432.02 1,882,730.86 1,886,754.81 1,885,664.94 1,936,762.22 2,004,193.06 1,848,192.98 2,101,547.00 1,471,312.77  
  (c) Non-Performing Sales Contract Receivables (SCR) 3,709,695.34 3,706,668.35 3,565,353.93 3,440,270.92 3,716,986.64 3,419,798.40 3,326,681.77 4,387,264.10 4,820,384.68 4,685,963.83 4,663,258.66 3,840,571.68  
  Gross Assets 12,384,276,493.59 12,403,203,749.25 12,620,701,671.36 12,658,630,132.03 12,696,762,961.80 13,046,148,504.88 13,054,449,497.59 13,226,940,139.89 13,425,400,546.35 13,411,771,713.19 13,581,875,731.24 13,932,524,781.85  
  (1) Total Assets 12,221,626,094.04 12,239,344,543.76 12,455,452,682.96 12,492,466,888.19 12,532,463,409.47 12,881,521,217.98 12,888,389,624.88 13,059,080,906.03 13,256,840,068.72 13,242,136,389.58 13,410,029,701.44 13,763,278,707.66  
  (2) Allowance on NPA 162,650,399.54 163,859,205.49 165,248,988.40 166,163,243.84 164,299,552.33 164,627,286.90 166,059,872.71 167,859,233.86 168,560,477.62 169,635,323.61 171,846,029.80 169,246,074.20  
  NPA Coverage Ratio 93.81 93.01 92.38 92.31 92.15 92.83 92.30 92.70 92.57 91.25 92.05 97.04  
  Allowance on NPA 162,650,399.54 163,859,205.49 165,248,988.40 166,163,243.84 164,299,552.33 164,627,286.90 166,059,872.71 167,859,233.86 168,560,477.62 169,635,323.61 171,846,029.80 169,246,074.20  
  NPA 173,389,392.75 176,179,367.27 178,871,474.79 180,013,093.52 178,290,685.71 177,339,456.05 179,908,485.26 181,081,595.08 182,094,233.57 185,892,400.05 186,694,457.98 174,403,655.40  
  Distressed Assets Ratio 2.81 2.83 2.83 2.84 2.73 2.66 2.77 2.79 2.69 2.75 2.71 2.49  
  Distressed Assets 188,546,036.97 191,308,368.22 193,596,578.40 194,195,650.07 191,903,582.95 190,867,670.35 198,320,985.65 201,068,706.81 202,401,793.36 205,141,669.13 207,846,508.59 197,793,599.68  
  NPA 173,389,392.75 176,179,367.27 178,871,474.79 180,013,093.52 178,290,685.71 177,339,456.05 179,908,485.26 181,081,595.08 182,094,233.57 185,892,400.05 186,694,457.98 174,403,655.40  
  RL, Performing 15,156,644.22 15,129,000.95 14,725,103.61 14,182,556.55 13,612,897.24 13,528,214.30 18,412,500.39 19,987,111.73 20,307,559.79 19,249,269.08 21,152,050.61 23,389,944.28  
  TLP, gross  6,614,952,340.07 6,678,654,352.38 6,751,129,276.89 6,744,785,059.47 6,946,565,662.47 7,089,734,315.51 7,065,113,147.57 7,130,700,655.77 7,435,519,451.20 7,362,899,721.90 7,596,862,557.81 7,867,078,204.77  
  Total ROPA 87,054,894.10 86,447,052.11 87,804,533.18 87,413,357.22 86,111,020.02 84,681,976.27 84,377,527.41 82,281,879.14 81,807,676.01 83,289,440.95 85,086,391.25 85,914,234.87  
  (1) ROPA, gross 77,926,802.65 77,723,288.93 79,159,134.87 78,823,698.58 77,972,711.75 76,333,382.41 75,874,309.25 76,868,428.82 76,733,830.56 78,201,105.67 79,982,329.52 76,872,541.29  
  (2) Performing SCR 9,128,091.45 8,723,763.18 8,645,398.31 8,589,658.64 8,138,308.27 8,348,593.86 8,503,218.16 5,413,450.33 5,073,845.45 5,088,335.28 5,104,061.73 9,041,693.58  
  LIQUIDITY RATIOS  
  (1) Cash and Due from Banks to Deposits 27.08 25.19 26.63 26.16 24.29 25.31 25.27 25.43 24.57 24.22 23.95 23.65  
  Cash and Due from Banks   2,537,404,955.43 2,384,678,383.71 2,550,542,281.94 2,491,097,585.20 2,339,352,697.69 2,511,196,574.30 2,528,081,158.46 2,583,587,443.00 2,516,316,931.57 2,495,779,433.83 2,486,020,526.72 2,509,813,841.49  
  Deposits 9,371,009,030.70 9,465,091,879.31 9,579,376,904.03 9,521,129,295.08 9,632,284,112.66 9,922,699,194.31 10,002,826,650.19 10,157,617,138.79 10,241,145,229.91 10,306,350,017.07 10,378,245,628.44 10,614,366,253.72  
  (2) Liquid Assets to Deposits Ratio 53.48 52.33 53.28 53.71 51.49 52.15 52.05 52.11 50.83 50.80 49.72 49.43  
  Liquid Assets, sum of: 5,011,985,509.10 4,952,629,751.56 5,103,955,225.81 5,114,219,603.11 4,959,517,278.70 5,174,244,681.58 5,206,796,552.02 5,293,115,346.25 5,205,399,580.58 5,235,752,909.68 5,160,177,461.97 5,247,146,519.11  
  (1) Cash and Due from Banks 2,537,404,955.43 2,384,678,383.71 2,550,542,281.94 2,491,097,585.20 2,339,352,697.69 2,511,196,574.30 2,528,081,158.46 2,583,587,443.00 2,516,316,931.57 2,495,779,433.83 2,486,020,526.72 2,509,813,841.49  
  (2) Financial Assets, net (excl. equity investments) 2,474,580,553.67 2,567,951,367.85 2,553,412,943.86 2,623,122,017.91 2,620,164,581.01 2,663,048,107.28 2,678,715,393.57 2,709,527,903.25 2,689,082,649.00 2,739,973,475.85 2,674,156,935.25 2,737,332,677.62  
  Deposits 9,371,009,030.70 9,465,091,879.31 9,579,376,904.03 9,521,129,295.08 9,632,284,112.66 9,922,699,194.31 10,002,826,650.19 10,157,617,138.79 10,241,145,229.91 10,306,350,017.07 10,378,245,628.44 10,614,366,253.72  
  (3) Loans (gross) to Deposits 70.59 70.56 70.48 70.84 72.12 71.45 70.63 70.20 72.60 71.44 73.20 74.12  
  Loans (gross) 6,614,952,340.07 6,678,654,352.38 6,751,129,276.89 6,744,785,059.47 6,946,565,662.47 7,089,734,315.51 7,065,113,147.57 7,130,700,655.77 7,435,519,451.20 7,362,899,721.90 7,596,862,557.81 7,867,078,204.77  
  Deposits 9,371,009,030.70 9,465,091,879.31 9,579,376,904.03 9,521,129,295.08 9,632,284,112.66 9,922,699,194.31 10,002,826,650.19 10,157,617,138.79 10,241,145,229.91 10,306,350,017.07 10,378,245,628.44 10,614,366,253.72  
  SELECTED PROFITABILITY RATIOS  
  (1)  Return on Assets (ROA) 1.16 1.14 1.14 1.12  
  Annualized Net Profit or Loss  135,759,702.63 138,273,473.17 141,496,197.94 146,330,273.04  
  Average Assets 11,722,531,578.34 12,099,355,421.19 12,405,638,688.90 13,032,503,018.30  
  Total Assets (last year) 10,989,610,473.71 11,317,189,624.39 11,554,437,309.08 12,301,727,328.93  
  Total Assets (current year) 12,455,452,682.96 12,881,521,217.98 13,256,840,068.72 13,763,278,707.66  
  (2) Return on Equity (ROE) 9.88 9.65 9.66 9.96  
  Annualized Net Profit or Loss  135,759,702.63 138,273,473.17 141,496,197.94 146,330,273.04  
  Average Capital 1,373,768,345.35 1,433,270,140.46 1,464,645,293.83 1,468,823,606.24  
  Total Capital (last year) 1,286,269,691.73 1,357,059,706.60 1,380,560,016.57 1,372,426,629.42  
  Total Capital (current year) 1,461,266,998.97 1,509,480,574.33 1,548,730,571.09 1,565,220,583.06  
  (3) Earning Asset Yield 3.83 3.85 3.92 3.90  
  Annualized Interest Income 417,707,935.30 433,803,439.95 454,031,362.03 474,584,711.46  
  Average Earning Assets 10,917,519,695.54 11,272,305,993.13 11,581,164,893.17 12,156,728,450.18  
  Earning Assets (last year) 10,181,070,167.78 10,504,204,530.54 10,741,884,005.04 11,456,362,088.13  
  Earning Assets (current year) 11,653,969,223.30 12,040,407,455.71 12,420,445,781.30 12,857,094,812.23  
  (4) Funding Cost 0.95 0.95 0.97 0.96  
  Annualized Interest Expense 92,545,502.41 95,637,482.82 100,154,522.16 104,940,281.51  
  Average Interest Bearing Liabilities 9,770,714,956.30 10,115,323,847.77 10,375,468,953.57 10,970,975,441.99  
  Interest Bearing Liabilities (last year) 9,132,542,621.46 9,436,037,584.87 9,653,606,397.34 10,364,200,219.49  
  Interest Bearing Liabilities (current year) 10,408,887,291.15 10,794,610,110.68 11,097,331,509.79 11,577,750,664.50  
  (5) Interest Spread 2.88 2.90 2.96 2.95  
  (3) Earning Asset Yield 3.83 3.85 3.92 3.90  
  (4) Funding Cost 0.95 0.95 0.97 0.96  
  (6) Net Interest Margin 2.98 3.00 3.06 3.04  
  Annualized Net Interest Income 325,129,123.86 337,974,336.86 353,862,677.94 369,383,108.90  
  Average Earning Assets 10,917,519,695.54 11,272,305,993.13 11,581,164,893.17 12,156,728,450.18  
  (7) Cost to Income Ratio 63.71 63.76 63.37 63.32  
  Annualized Non-Interest Expenses 286,754,212.36 291,724,900.28 299,301,283.44 311,065,432.56  
  Annualized Total Operating Income 450,100,143.75 457,558,917.83 472,272,421.82 491,227,392.82  
  (8) Net Interest Income to Total Operating Income 72.23 73.86 74.93 75.20  
  Annualized Net Interest Income  325,129,123.86 337,974,336.86 353,862,677.94 369,383,108.90  
  Annualized Total Operating Income 450,100,143.75 457,558,917.83 472,272,421.82 491,227,392.82  
  (9) Non-interest Income to Total Operating Income 27.77 26.14 25.07 24.80  
  Annualized Non-Interest Income 124,971,019.89 119,584,580.97 118,409,743.88 121,844,283.92  
  Annualized Total Operating Income 450,100,143.75 457,558,917.83 472,272,421.82 491,227,392.82  
  CAPITAL ADEQUACY  
  Capital Adequacy Ratio - Solo 15.04 15.31 15.03 14.37  
  Capital Adequacy Ratio - Conso 15.83 15.98 15.66 14.98  
  Total Capital Accounts to Total Assets 11.88 11.91 11.73 11.77 11.93 11.72 11.80 11.77 11.68 11.76 11.62 11.37  
                             
1/ Starting September 2017, Net NPLs refer to gross NPLs less specific allowance for credit losses on NPLs per BSP Circular No. 941
Source : Supervisory Data Center, Supervision and Examination Sector, Bangko Sentral ng Pilipinas
Updated as of 17 April 2018