25 Selected Performance Indicators                          
                             
                             
  Universal 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 1.63 1.68 1.65 1.70 1.62 1.64 1.71 1.65 1.60 1.64 1.58 1.37  
  Past Due Loans 98,879,359.02 102,566,061.68 101,656,012.59 104,298,588.36 102,984,723.57 106,412,337.33 111,347,115.30 107,741,066.12 108,987,812.70 111,362,632.56 110,805,533.68 98,752,454.44  
  Total Loan Portfolio (TLP), gross  6,049,608,920.15 6,104,349,371.92 6,172,521,771.48 6,142,689,100.01 6,353,562,741.72 6,487,465,700.88 6,494,791,598.55 6,544,284,379.49 6,832,929,199.52 6,782,834,892.66 6,994,638,984.61 7,227,030,766.30  
  RL to TLP 0.44 0.44 0.44 0.44 0.42 0.42 0.49 0.49 0.47 0.48 0.50 0.48  
  Restructured Loans (RL), gross 26,527,029.65 26,771,171.21 27,131,959.23 27,091,739.37 26,462,487.77 27,087,269.47 31,916,380.26 32,385,834.63 32,223,106.45 32,510,358.24 34,657,433.21 35,036,668.10  
  TLP, gross  6,049,608,920.15 6,104,349,371.92 6,172,521,771.48 6,142,689,100.01 6,353,562,741.72 6,487,465,700.88 6,494,791,598.55 6,544,284,379.49 6,832,929,199.52 6,782,834,892.66 6,994,638,984.61 7,227,030,766.30  
  Loan Loss Reserves (LLR) to TLP 2.02 2.02 2.01 2.04 1.96 1.93 1.95 1.96 1.89 1.93 1.90 1.82  
  Allowance for Credit Losses (ACL) - TLP 122,186,642.56 123,164,665.79 123,993,872.27 125,350,919.61 124,274,227.74 125,303,476.44 126,671,778.42 128,326,595.72 129,318,527.49 130,755,869.18 132,736,254.04 131,311,224.84  
  TLP, gross  6,049,608,920.15 6,104,349,371.92 6,172,521,771.48 6,142,689,100.01 6,353,562,741.72 6,487,465,700.88 6,494,791,598.55 6,544,284,379.49 6,832,929,199.52 6,782,834,892.66 6,994,638,984.61 7,227,030,766.30  
  Gross NPL Ratio 1.41 1.45 1.46 1.49 1.42 1.41 1.45 1.44 1.40 1.44 1.38 1.22  
  Gross Non-Performing Loans (NPL) 85,141,791.42 88,693,192.59 89,949,745.71 91,477,786.54 90,012,348.57 91,260,314.15 94,230,798.92 94,299,607.64 95,450,394.40 97,753,334.96 96,644,322.40 87,831,251.97  
  TLP, gross  6,049,608,920.15 6,104,349,371.92 6,172,521,771.48 6,142,689,100.01 6,353,562,741.72 6,487,465,700.88 6,494,791,598.55 6,544,284,379.49 6,832,929,199.52 6,782,834,892.66 6,994,638,984.61 7,227,030,766.30  
  Gross NPL Ratio, net of IBL 1.44 1.48 1.48 1.52 1.44 1.43 1.48 1.47 1.43 1.46 1.41 1.24  
  Gross NPL, net of NP IBL 84,146,050.59 87,697,824.69 88,952,182.59 90,492,699.87 88,993,780.23 90,194,639.56 93,136,594.15 93,187,035.23 94,332,704.33 96,638,529.55 95,524,506.11 87,124,842.61  
  (1) Gross NPL 85,141,791.42 88,693,192.59 89,949,745.71 91,477,786.54 90,012,348.57 91,260,314.15 94,230,798.92 94,299,607.64 95,450,394.40 97,753,334.96 96,644,322.40 87,831,251.97  
  (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 5,840,181,604.54 5,914,395,937.96 6,005,773,178.47 5,951,435,786.76 6,175,467,486.94 6,285,977,639.37 6,308,262,930.18 6,351,668,293.57 6,615,055,064.24 6,597,735,789.73 6,789,534,408.31 7,031,949,734.45  
  (1) TLP, gross 6,049,608,920.15 6,104,349,371.92 6,172,521,771.48 6,142,689,100.01 6,353,562,741.72 6,487,465,700.88 6,494,791,598.55 6,544,284,379.49 6,832,929,199.52 6,782,834,892.66 6,994,638,984.61 7,227,030,766.30  
  (2) Interbank Loans Receivables (IBL) 209,427,315.61 189,953,433.96 166,748,593.00 191,253,313.25 178,095,254.79 201,488,061.50 186,528,668.37 192,616,085.92 217,874,135.28 185,099,102.93 205,104,576.31 195,081,031.85  
  Net NPL Ratio1/ 0.35 0.38 0.39 0.42 0.41 0.42 0.46 0.45 0.60 0.60 0.56 0.46  
  NPL, net of Specific ACL1/ 21,383,358.94 23,409,061.89 24,010,125.37 25,519,383.26 25,790,954.63 27,514,352.81 30,065,351.41 29,399,783.16 40,719,694.46 40,799,280.53 39,046,382.01 33,323,861.42  
  (1) Gross NPL 85,141,791.42 88,693,192.59 89,949,745.71 91,477,786.54 90,012,348.57 91,260,314.15 94,230,798.92 94,299,607.64 95,450,394.40 97,753,334.96 96,644,322.40 87,831,251.97  
  (2) Specific ACL 63,758,432.48 65,284,130.70 65,939,620.34 65,958,403.28 64,221,393.94 63,745,961.34 64,165,447.52 64,899,824.48 54,730,699.94 56,954,054.43 57,597,940.39 54,507,390.55  
  TLP, gross  6,049,608,920.15 6,104,349,371.92 6,172,521,771.48 6,142,689,100.01 6,353,562,741.72 6,487,465,700.88 6,494,791,598.55 6,544,284,379.49 6,832,929,199.52 6,782,834,892.66 6,994,638,984.61 7,227,030,766.30  
  NPL Coverage Ratio 143.51 138.87 137.85 137.03 138.06 137.30 134.43 136.08 135.48 133.76 137.35 149.50  
  ACL - TLP 122,186,642.56 123,164,665.79 123,993,872.27 125,350,919.61 124,274,227.74 125,303,476.44 126,671,778.42 128,326,595.72 129,318,527.49 130,755,869.18 132,736,254.04 131,311,224.84  
  Gross NPL 85,141,791.42 88,693,192.59 89,949,745.71 91,477,786.54 90,012,348.57 91,260,314.15 94,230,798.92 94,299,607.64 95,450,394.40 97,753,334.96 96,644,322.40 87,831,251.97  
  NPA to Gross Assets  1.36 1.38 1.39 1.39 1.36 1.33 1.35 1.34 1.32 1.36 1.34 1.22  
  Non-Performing Assets (NPA) 154,029,190.64 157,089,768.27 159,761,720.91 161,038,450.83 158,733,659.00 158,404,958.90 160,878,249.69 161,959,395.06 162,944,668.91 166,676,897.76 167,401,198.93 156,069,124.95  
  (1) Gross NPL 85,141,791.42 88,693,192.59 89,949,745.71 91,477,786.54 90,012,348.57 91,260,314.15 94,230,798.92 94,299,607.64 95,450,394.40 97,753,334.96 96,644,322.40 87,831,251.97  
  (2) ROPA, gross 68,596,419.52 68,396,575.68 69,811,975.20 69,560,664.28 68,721,310.43 67,144,644.75 66,647,450.77 67,659,787.43 67,494,274.51 68,923,562.80 70,756,876.54 68,237,872.99  
  (a) Real and Other Properties Acquired (ROPA) 63,606,337.80 63,123,500.91 64,480,711.64 64,353,926.43 63,427,454.38 62,115,837.70 61,709,541.86 61,598,430.90 60,941,349.63 62,673,061.27 64,291,360.39 63,198,043.23  
  (b) Non-Current Assets Held for Sale 1,838,232.03 1,827,462.22 2,022,141.42 2,017,368.88 1,824,127.81 1,828,151.76 1,830,905.32 1,882,002.60 1,949,433.44 1,793,433.35 2,046,787.38 1,416,553.15  
  (c) Non-Performing Sales Contract Receivables (SCR) 3,442,829.40 3,445,612.55 3,309,122.14 3,189,368.97 3,469,728.24 3,200,655.29 3,107,003.59 4,179,353.93 4,603,491.44 4,457,068.18 4,418,728.77 3,623,276.61  
  Gross Assets 11,301,557,906.97 11,344,726,295.47 11,534,235,197.90 11,567,895,039.76 11,631,592,574.23 11,930,649,312.81 11,949,896,733.92 12,102,629,665.91 12,319,803,063.67 12,291,191,273.96 12,450,197,927.60 12,816,179,017.99  
  (1) Total Assets 11,155,869,153.72 11,197,556,665.18 11,385,805,078.75 11,418,410,905.25 11,484,023,925.85 11,782,251,773.66 11,800,199,747.70 11,951,318,307.48 12,167,710,219.87 12,138,071,291.39 12,294,975,065.70 12,663,433,092.68  
  (2) Allowance on NPA 145,688,753.25 147,169,630.29 148,430,119.15 149,484,134.51 147,568,648.38 148,397,539.15 149,696,986.23 151,311,358.43 152,092,843.80 153,119,982.57 155,222,861.91 152,745,925.31  
  NPA Coverage Ratio 94.59 93.69 92.91 92.83 92.97 93.68 93.05 93.43 93.34 91.87 92.73 97.87  
  Allowance on NPA 145,688,753.25 147,169,630.29 148,430,119.15 149,484,134.51 147,568,648.38 148,397,539.15 149,696,986.23 151,311,358.43 152,092,843.80 153,119,982.57 155,222,861.91 152,745,925.31  
  NPA 154,029,190.64 157,089,768.27 159,761,720.91 161,038,450.83 158,733,659.00 158,404,958.90 160,878,249.69 161,959,395.06 162,944,668.91 166,676,897.76 167,401,198.93 156,069,124.95  
  Distressed Assets Ratio 2.74 2.76 2.77 2.79 2.66 2.60 2.71 2.73 2.64 2.69 2.65 2.44  
  Distressed Assets 167,621,465.16 170,659,478.93 173,084,527.60 173,840,116.71 170,973,683.47 170,549,166.70 177,933,508.38 180,548,649.93 181,982,202.27 184,676,862.63 187,264,721.20 178,144,523.41  
  NPA 154,029,190.64 157,089,768.27 159,761,720.91 161,038,450.83 158,733,659.00 158,404,958.90 160,878,249.69 161,959,395.06 162,944,668.91 166,676,897.76 167,401,198.93 156,069,124.95  
  RL, Performing 13,592,274.52 13,569,710.66 13,322,806.69 12,801,665.88 12,240,024.47 12,144,207.80 17,055,258.69 18,589,254.86 19,037,533.36 17,999,964.88 19,863,522.26 22,075,398.46  
  TLP, gross  6,049,608,920.15 6,104,349,371.92 6,172,521,771.48 6,142,689,100.01 6,353,562,741.72 6,487,465,700.88 6,494,791,598.55 6,544,284,379.49 6,832,929,199.52 6,782,834,892.66 6,994,638,984.61 7,227,030,766.30  
  Total ROPA 76,999,819.27 76,407,861.95 77,748,762.00 77,496,667.18 76,216,715.51 74,827,466.75 74,498,063.22 72,416,959.88 71,926,664.87 73,402,635.06 75,251,412.90 76,029,493.14  
  (1) ROPA, gross 68,596,419.52 68,396,575.68 69,811,975.20 69,560,664.28 68,721,310.43 67,144,644.75 66,647,450.77 67,659,787.43 67,494,274.51 68,923,562.80 70,756,876.54 68,237,872.99  
  (2) Performing SCR 8,403,399.74 8,011,286.27 7,936,786.80 7,936,002.89 7,495,405.08 7,682,822.00 7,850,612.46 4,757,172.45 4,432,390.36 4,479,072.27 4,494,536.36 7,791,620.15  
  LIQUIDITY RATIOS  
  (1) Cash and Due from Banks to Deposits 26.06 24.21 25.61 25.43 23.39 24.41 24.42 24.69 23.62 23.28 23.12 23.01  
  Cash and Due from Banks   2,245,818,737.68 2,107,873,292.07 2,255,129,074.37 2,227,205,442.14 2,077,079,252.70 2,229,858,331.72 2,251,374,834.62 2,312,688,396.90 2,234,936,485.09 2,213,582,992.68 2,209,342,219.08 2,256,601,438.56  
  Deposits 8,618,083,416.83 8,708,164,373.82 8,804,278,014.45 8,756,807,395.74 8,878,619,200.95 9,135,173,364.33 9,218,424,514.00 9,368,061,416.05 9,460,726,697.39 9,509,613,551.43 9,556,159,162.67 9,808,813,000.28  
  (2) Liquid Assets to Deposits Ratio 52.79 51.92 52.80 53.47 51.12 51.59 51.25 51.31 50.24 49.91 48.99 49.16  
  Liquid Assets, sum of: 4,549,365,243.25 4,521,447,161.58 4,648,459,940.83 4,682,093,732.46 4,538,666,448.39 4,713,003,044.10 4,724,823,535.54 4,806,955,662.64 4,753,175,976.92 4,746,606,423.15 4,681,709,041.80 4,821,940,551.99  
  (1) Cash and Due from Banks 2,245,818,737.68 2,107,873,292.07 2,255,129,074.37 2,227,205,442.14 2,077,079,252.70 2,229,858,331.72 2,251,374,834.62 2,312,688,396.90 2,234,936,485.09 2,213,582,992.68 2,209,342,219.08 2,256,601,438.56  
  (2) Financial Assets, net (excl. equity investments) 2,303,546,505.57 2,413,573,869.51 2,393,330,866.46 2,454,888,290.32 2,461,587,195.69 2,483,144,712.38 2,473,448,700.92 2,494,267,265.74 2,518,239,491.83 2,533,023,430.47 2,472,366,822.71 2,565,339,113.43  
  Deposits 8,618,083,416.83 8,708,164,373.82 8,804,278,014.45 8,756,807,395.74 8,878,619,200.95 9,135,173,364.33 9,218,424,514.00 9,368,061,416.05 9,460,726,697.39 9,509,613,551.43 9,556,159,162.67 9,808,813,000.28  
  (3) Loans (gross) to Deposits 70.20 70.10 70.11 70.15 71.56 71.02 70.45 69.86 72.22 71.33 73.20 73.68  
  Loans (gross) 6,049,608,920.15 6,104,349,371.92 6,172,521,771.48 6,142,689,100.01 6,353,562,741.72 6,487,465,700.88 6,494,791,598.55 6,544,284,379.49 6,832,929,199.52 6,782,834,892.66 6,994,638,984.61 7,227,030,766.30  
  Deposits 8,618,083,416.83 8,708,164,373.82 8,804,278,014.45 8,756,807,395.74 8,878,619,200.95 9,135,173,364.33 9,218,424,514.00 9,368,061,416.05 9,460,726,697.39 9,509,613,551.43 9,556,159,162.67 9,808,813,000.28  
  SELECTED PROFITABILITY RATIOS  
  (1)  Return on Assets (ROA) 1.20 1.17 1.16 1.15  
  Annualized Net Profit or Loss  128,082,602.23 129,832,589.65 131,646,530.13 137,726,224.77  
  Average Assets 10,679,130,942.50 11,051,128,323.86 11,364,032,772.31 11,955,438,819.52  
  Total Assets (last year) 9,972,456,806.25 10,320,004,874.06 10,560,355,324.75 11,247,444,546.36  
  Total Assets (current year) 11,385,805,078.75 11,782,251,773.66 12,167,710,219.87 12,663,433,092.68  
  (2) Return on Equity (ROE) 10.37 10.06 9.97 10.40  
  Annualized Net Profit or Loss  128,082,602.23 129,832,589.65 131,646,530.13 137,726,224.77  
  Average Capital 1,234,700,512.54 1,290,719,430.45 1,319,881,197.31 1,323,775,576.66  
  Total Capital (last year) 1,149,573,126.73 1,216,151,765.98 1,240,338,338.64 1,232,836,619.85  
  Total Capital (current year) 1,319,827,898.35 1,365,287,094.93 1,399,424,055.98 1,414,714,533.47  
  (3) Earning Asset Yield 3.81 3.82 3.88 3.86  
  Annualized Interest Income 377,958,173.32 392,576,548.23 410,774,271.64 429,209,005.94  
  Average Earning Assets 9,922,372,102.80 10,274,733,574.91 10,586,238,600.26 11,128,989,420.28  
  Earning Assets (last year) 9,213,667,997.66 9,560,789,271.60 9,796,993,879.37 10,455,797,054.57  
  Earning Assets (current year) 10,631,076,207.93 10,988,677,878.22 11,375,483,321.15 11,802,181,786.00  
  (4) Funding Cost 0.96 0.95 0.97 0.95  
  Annualized Interest Expense 86,212,815.87 88,910,174.53 92,806,165.10 96,948,322.21  
  Average Interest Bearing Liabilities 9,009,997,123.98 9,336,858,310.50 9,601,049,612.50 10,158,347,624.58  
  Interest Bearing Liabilities (last year) 8,412,992,917.91 8,704,415,476.28 8,916,132,328.75 9,578,640,977.20  
  Interest Bearing Liabilities (current year) 9,607,001,330.06 9,969,301,144.72 10,285,966,896.24 10,738,054,271.95  
  (5) Interest Spread 2.85 2.87 2.91 2.90  
  (3) Earning Asset Yield 3.81 3.82 3.88 3.86  
  (4) Funding Cost 0.96 0.95 0.97 0.95  
  (6) Net Interest Margin 2.94 2.95 3.00 2.99  
  Annualized Net Interest Income 291,710,840.28 303,509,614.83 317,925,346.37 332,258,657.52  
  Average Earning Assets 9,922,372,102.80 10,274,733,574.91 10,586,238,600.26 11,128,989,420.28  
  (7) Cost to Income Ratio 62.84 62.92 62.50 62.69  
  Annualized Non-Interest Expenses 252,457,778.58 256,880,156.79 263,805,765.24 275,209,517.59  
  Annualized Total Operating Income 401,764,510.11 408,291,319.29 422,062,350.97 438,980,123.47  
  (8) Net Interest Income to Total Operating Income 72.61 74.34 75.33 75.69  
  Annualized Net Interest Income  291,710,840.28 303,509,614.83 317,925,346.37 332,258,657.52  
  Annualized Total Operating Income 401,764,510.11 408,291,319.29 422,062,350.97 438,980,123.47  
  (9) Non-interest Income to Total Operating Income 27.39 25.66 24.67 24.31  
  Annualized Non-Interest Income 110,053,669.83 104,781,704.46 104,137,004.60 106,721,465.95  
  Annualized Total Operating Income 401,764,510.11 408,291,319.29 422,062,350.97 438,980,123.47  
  CAPITAL ADEQUACY  
  Capital Adequacy Ratio - Solo 14.51 14.81 14.51 13.83  
  Capital Adequacy Ratio - Conso 15.43 15.59 15.26 14.56  
  Total Capital Accounts to Total Assets 11.76 11.76 11.59 11.63 11.77 11.59 11.67 11.63 11.50 11.59 11.45 11.17  
                             
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