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-18 Feb-18 Mar-18 Apr-18 May-18 Jun-18 Jul-18 Aug-18 Sep-18 Oct-18 Nov-18 Dec-18  
   
  ASSET QUALITY RATIOS:   
  Past Due Ratio 1.75 1.88 1.79 1.86 1.89 1.82 1.85 1.90 1.84 1.89 1.91 1.75  
  Past Due Loans 137,066,167.12 146,558,859.72 143,514,214.23 149,948,929.69 153,823,082.29 151,806,968.52 154,799,395.11 159,744,086.27 159,478,611.32 165,048,888.38 167,553,692.14 157,632,355.25  
  Total Loan Portfolio (TLP), gross  7,827,246,752.18 7,806,012,447.19 7,996,320,507.47 8,053,594,538.55 8,146,968,278.92 8,331,360,623.96 8,353,021,148.61 8,405,687,935.22 8,658,774,188.63 8,721,418,084.86 8,781,252,734.59 9,017,779,854.85  
  RL to TLP 0.48 0.48 0.47 0.46 0.46 0.45 0.38 0.38 0.36 0.35 0.34 0.36  
  Restructured Loans (RL), gross 37,733,671.39 37,835,917.63 37,808,434.01 37,323,551.42 37,304,318.96 37,720,859.36 32,021,480.67 31,728,836.23 31,151,113.90 30,468,779.63 30,265,015.00 32,222,149.91  
  TLP, gross  7,827,246,752.18 7,806,012,447.19 7,996,320,507.47 8,053,594,538.55 8,146,968,278.92 8,331,360,623.96 8,353,021,148.61 8,405,687,935.22 8,658,774,188.63 8,721,418,084.86 8,781,252,734.59 9,017,779,854.85  
  Loan Loss Reserves (LLR) to TLP 1.90 1.98 2.00 2.00 1.95 1.91 1.92 1.92 1.80 1.81 1.81 1.64  
  Allowance for Credit Losses (ACL) - TLP 148,977,638.43 154,615,318.54 159,596,684.38 160,884,388.23 158,478,060.43 158,845,774.70 160,699,139.23 161,301,043.50 155,904,345.69 157,607,504.98 158,563,089.94 148,338,524.51  
  TLP, gross  7,827,246,752.18 7,806,012,447.19 7,996,320,507.47 8,053,594,538.55 8,146,968,278.92 8,331,360,623.96 8,353,021,148.61 8,405,687,935.22 8,658,774,188.63 8,721,418,084.86 8,781,252,734.59 9,017,779,854.85  
  Gross NPL Ratio 1.30 1.36 1.31 1.32 1.34 1.33 1.34 1.34 1.30 1.31 1.34 1.26  
  Gross Non-Performing Loans (NPL) 101,391,357.51 106,400,512.16 104,400,089.82 106,408,445.43 109,176,361.07 110,606,354.75 112,296,890.25 112,936,163.68 112,762,454.68 114,472,125.30 117,929,273.24 113,518,115.78  
  TLP, gross  7,827,246,752.18 7,806,012,447.19 7,996,320,507.47 8,053,594,538.55 8,146,968,278.92 8,331,360,623.96 8,353,021,148.61 8,405,687,935.22 8,658,774,188.63 8,721,418,084.86 8,781,252,734.59 9,017,779,854.85  
  Gross NPL Ratio, net of IBL 1.34 1.40 1.34 1.36 1.37 1.36 1.37 1.37 1.34 1.35 1.37 1.29  
  Gross NPL, net of NP IBL 100,684,463.25 105,693,687.54 103,695,225.07 105,706,869.09 108,476,050.92 109,869,137.15 111,592,226.02 112,229,441.70 112,131,800.90 113,869,659.07 117,294,760.57 112,883,785.17  
  (1) Gross NPL 101,391,357.51 106,400,512.16 104,400,089.82 106,408,445.43 109,176,361.07 110,606,354.75 112,296,890.25 112,936,163.68 112,762,454.68 114,472,125.30 117,929,273.24 113,518,115.78  
  (2) Non-performing IBL 706,894.27 706,824.62 704,864.75 701,576.34 700,310.16 737,217.61 704,664.23 706,721.98 630,653.78 602,466.23 634,512.68 634,330.61  
  TLP, gross net of IBL 7,523,109,537.56 7,544,057,407.71 7,766,419,545.42 7,793,169,434.85 7,893,259,246.87 8,054,303,184.95 8,141,654,098.73 8,185,919,360.37 8,377,954,026.87 8,453,172,082.40 8,532,406,479.82 8,762,382,916.90  
  (1) TLP, gross 7,827,246,752.18 7,806,012,447.19 7,996,320,507.47 8,053,594,538.55 8,146,968,278.92 8,331,360,623.96 8,353,021,148.61 8,405,687,935.22 8,658,774,188.63 8,721,418,084.86 8,781,252,734.59 9,017,779,854.85  
  (2) Interbank Loans Receivables (IBL) 304,137,214.62 261,955,039.48 229,900,962.05 260,425,103.70 253,709,032.05 277,057,439.01 211,367,049.88 219,768,574.85 280,820,161.75 268,246,002.45 248,846,254.77 255,396,937.95  
  Net NPL Ratio1/ 0.52 0.54 0.51 0.53 0.58 0.55 0.55 0.55 0.56 0.57 0.59 0.54  
  NPL, net of Specific ACL1/ 40,773,591.03 42,344,180.42 40,841,353.68 43,084,026.90 47,092,993.81 45,424,980.94 46,053,401.70 46,489,165.54 48,372,506.37 49,390,055.44 51,786,892.52 48,458,981.09  
  (1) Gross NPL 101,391,357.51 106,400,512.16 104,400,089.82 106,408,445.43 109,176,361.07 110,606,354.75 112,296,890.25 112,936,163.68 112,762,454.68 114,472,125.30 117,929,273.24 113,518,115.78  
  (2) Specific ACL 60,617,766.48 64,056,331.74 63,558,736.14 63,324,418.53 62,083,367.26 65,181,373.82 66,243,488.54 66,446,998.13 64,389,948.31 65,082,069.86 66,142,380.72 65,059,134.68  
  TLP, gross  7,827,246,752.18 7,806,012,447.19 7,996,320,507.47 8,053,594,538.55 8,146,968,278.92 8,331,360,623.96 8,353,021,148.61 8,405,687,935.22 8,658,774,188.63 8,721,418,084.86 8,781,252,734.59 9,017,779,854.85  
  NPL Coverage Ratio 146.93 145.31 152.87 151.20 145.16 143.61 143.10 142.82 138.26 137.68 134.46 130.67  
  ACL - TLP 148,977,638.43 154,615,318.54 159,596,684.38 160,884,388.23 158,478,060.43 158,845,774.70 160,699,139.23 161,301,043.50 155,904,345.69 157,607,504.98 158,563,089.94 148,338,524.51  
  Gross NPL 101,391,357.51 106,400,512.16 104,400,089.82 106,408,445.43 109,176,361.07 110,606,354.75 112,296,890.25 112,936,163.68 112,762,454.68 114,472,125.30 117,929,273.24 113,518,115.78  
  NPA to Gross Assets  1.29 1.31 1.28 1.29 1.30 1.29 1.30 1.28 1.27 1.27 1.29 1.21  
  Non-Performing Assets (NPA) 178,643,067.16 183,158,856.34 181,059,095.86 183,182,591.87 185,832,665.03 186,323,859.86 188,088,317.81 188,056,232.34 188,000,492.51 190,777,068.35 194,208,599.99 189,446,105.08  
  (1) Gross NPL 101,391,357.51 106,400,512.16 104,400,089.82 106,408,445.43 109,176,361.07 110,606,354.75 112,296,890.25 112,936,163.68 112,762,454.68 114,472,125.30 117,929,273.24 113,518,115.78  
  (2) ROPA, gross 77,251,709.65 76,758,344.18 76,659,006.04 76,774,146.44 76,656,303.96 75,717,505.11 75,791,427.56 75,120,068.66 75,238,037.83 76,304,943.05 76,279,326.74 75,927,989.30  
  (a) Real and Other Properties Acquired (ROPA) 71,241,342.12 71,157,847.34 71,033,643.58 71,271,767.66 71,249,020.73 70,421,596.12 70,501,452.17 69,895,785.35 69,792,871.53 70,331,744.72 70,248,655.56 69,940,230.16  
  (b) Non-Current Assets Held for Sale 1,822,504.30 1,717,414.02 1,815,166.86 1,844,996.75 1,820,719.82 1,764,365.82 1,855,362.06 1,823,997.22 1,987,109.89 2,143,621.61 2,216,012.28 2,168,607.00  
  (c) Non-Performing Sales Contract Receivables (SCR) 4,187,863.23 3,883,082.83 3,810,195.60 3,657,382.03 3,586,563.41 3,531,543.18 3,434,613.34 3,400,286.08 3,458,056.41 3,829,576.72 3,814,658.91 3,819,152.14  
  Gross Assets 13,855,794,550.19 13,946,929,847.02 14,112,773,317.01 14,150,859,372.79 14,332,768,923.62 14,462,636,161.57 14,506,160,304.02 14,671,301,880.79 14,852,434,368.62 14,977,487,932.85 15,083,432,587.05 15,592,311,795.68  
  (1) Total Assets 13,683,148,382.70 13,768,455,393.11 13,929,455,850.66 13,966,202,639.85 14,150,672,513.25 14,280,639,323.42 14,322,128,808.88 14,487,281,486.01 14,673,923,661.48 14,797,154,308.38 14,902,243,804.27 15,421,153,964.58  
  (2) Allowance on NPA 172,646,167.49 178,474,453.91 183,317,466.35 184,656,732.94 182,096,410.37 181,996,838.15 184,031,495.14 184,020,394.78 178,510,707.14 180,333,624.46 181,188,782.78 171,157,831.10  
  NPA Coverage Ratio 96.64 97.44 101.25 100.80 97.99 97.68 97.84 97.85 94.95 94.53 93.30 90.35  
  Allowance on NPA 172,646,167.49 178,474,453.91 183,317,466.35 184,656,732.94 182,096,410.37 181,996,838.15 184,031,495.14 184,020,394.78 178,510,707.14 180,333,624.46 181,188,782.78 171,157,831.10  
  NPA 178,643,067.16 183,158,856.34 181,059,095.86 183,182,591.87 185,832,665.03 186,323,859.86 188,088,317.81 188,056,232.34 188,000,492.51 190,777,068.35 194,208,599.99 189,446,105.08  
  Distressed Assets Ratio 2.54 2.61 2.49 2.49 2.49 2.44 2.39 2.37 2.31 2.32 2.34 2.25  
  Distressed Assets 200,715,992.29 205,785,074.70 201,108,829.09 202,492,577.64 205,209,101.04 205,145,750.93 201,401,549.61 201,325,831.02 202,188,662.35 204,419,109.22 207,881,219.07 204,623,685.92  
  NPA 178,643,067.16 183,158,856.34 181,059,095.86 183,182,591.87 185,832,665.03 186,323,859.86 188,088,317.81 188,056,232.34 188,000,492.51 190,777,068.35 194,208,599.99 189,446,105.08  
  RL, Performing 22,072,925.13 22,626,218.36 20,049,733.23 19,309,985.78 19,376,436.01 18,821,891.07 13,313,231.80 13,269,598.68 14,188,169.83 13,642,040.87 13,672,619.08 15,177,580.84  
  TLP, gross  7,827,246,752.18 7,806,012,447.19 7,996,320,507.47 8,053,594,538.55 8,146,968,278.92 8,331,360,623.96 8,353,021,148.61 8,405,687,935.22 8,658,774,188.63 8,721,418,084.86 8,781,252,734.59 9,017,779,854.85  
  Total ROPA 85,766,714.45 85,457,526.58 85,710,186.31 85,427,049.26 85,233,281.51 88,726,698.35 88,751,274.00 88,070,536.93 87,967,544.23 88,528,119.26 88,605,053.00 89,443,286.83  
  (1) ROPA, gross 77,251,709.65 76,758,344.18 76,659,006.04 76,774,146.44 76,656,303.96 75,717,505.11 75,791,427.56 75,120,068.66 75,238,037.83 76,304,943.05 76,279,326.74 75,927,989.30  
  (2) Performing SCR 8,515,004.80 8,699,182.40 9,051,180.28 8,652,902.83 8,576,977.55 13,009,193.24 12,959,846.44 12,950,468.26 12,729,506.40 12,223,176.21 12,325,726.26 13,515,297.53  
  LIQUIDITY RATIOS  
  (1) Cash and Due from Banks to Deposits 22.60 22.13 21.36 21.24 21.35 20.09 20.15 20.50 19.63 19.95 19.72 20.72  
  Cash and Due from Banks   2,403,219,881.61 2,376,283,075.66 2,320,028,379.26 2,302,378,270.24 2,331,176,992.77 2,213,366,637.48 2,232,222,607.31 2,285,070,696.83 2,210,794,619.94 2,255,778,497.59 2,235,919,034.95 2,402,489,096.95  
  Deposits 10,635,186,099.35 10,737,664,442.70 10,860,962,096.02 10,839,818,173.86 10,920,734,654.25 11,018,885,220.61 11,076,775,998.34 11,144,013,009.29 11,264,505,699.46 11,309,810,762.36 11,341,185,804.14 11,595,958,515.25  
  (2) Liquid Assets to Deposits Ratio 49.04 49.49 48.58 48.53 48.83 47.83 47.83 48.42 47.32 47.61 47.78 48.94  
  Liquid Assets, sum of: 5,215,157,944.28 5,313,748,467.24 5,276,761,645.75 5,260,815,322.08 5,332,687,914.56 5,270,636,948.94 5,297,661,947.45 5,396,015,978.00 5,330,187,064.38 5,384,461,490.01 5,418,758,860.75 5,675,279,006.93  
  (1) Cash and Due from Banks 2,403,219,881.61 2,376,283,075.66 2,320,028,379.26 2,302,378,270.24 2,331,176,992.77 2,213,366,637.48 2,232,222,607.31 2,285,070,696.83 2,210,794,619.94 2,255,778,497.59 2,235,919,034.95 2,402,489,096.95  
  (2) Financial Assets, net (excl. equity investments) 2,811,938,062.67 2,937,465,391.58 2,956,733,266.48 2,958,437,051.83 3,001,510,921.79 3,057,270,311.46 3,065,439,340.15 3,110,945,281.16 3,119,392,444.44 3,128,682,992.42 3,182,839,825.80 3,272,789,909.98  
  Deposits 10,635,186,099.35 10,737,664,442.70 10,860,962,096.02 10,839,818,173.86 10,920,734,654.25 11,018,885,220.61 11,076,775,998.34 11,144,013,009.29 11,264,505,699.46 11,309,810,762.36 11,341,185,804.14 11,595,958,515.25  
  (3) Loans (gross) to Deposits 73.60 72.70 73.62 74.30 74.60 75.61 75.41 75.43 76.87 77.11 77.43 77.77  
  Loans (gross) 7,827,246,752.18 7,806,012,447.19 7,996,320,507.47 8,053,594,538.55 8,146,968,278.92 8,331,360,623.96 8,353,021,148.61 8,405,687,935.22 8,658,774,188.63 8,721,418,084.86 8,781,252,734.59 9,017,779,854.85  
  Deposits 10,635,186,099.35 10,737,664,442.70 10,860,962,096.02 10,839,818,173.86 10,920,734,654.25 11,018,885,220.61 11,076,775,998.34 11,144,013,009.29 11,264,505,699.46 11,309,810,762.36 11,341,185,804.14 11,595,958,515.25  
  SELECTED PROFITABILITY RATIOS  
  (1)  Return on Assets (ROA) 1.15 1.12 1.12 1.10  
  Annualized Net Profit or Loss  152,353,361.19 151,852,328.86 156,143,575.43 159,930,320.49  
  Average Assets 13,192,454,266.81 13,581,080,270.70 13,965,381,865.10 14,592,216,336.12  
  Total Assets (last year) 12,455,452,682.96 12,881,521,217.98 13,256,840,068.72 13,763,278,707.66  
  Total Assets (current year) 13,929,455,850.66 14,280,639,323.42 14,673,923,661.48 15,421,153,964.58  
  (2) Return on Equity (ROE) 9.95 9.35 9.30 9.35  
  Annualized Net Profit or Loss  152,353,361.19 151,852,328.86 156,143,575.43 159,930,320.49  
  Average Capital 1,530,784,245.25 1,624,409,485.28 1,678,278,730.60 1,710,957,175.24  
  Total Capital (last year) 1,461,266,998.97 1,509,480,574.33 1,548,730,571.09 1,565,220,583.06  
  Total Capital (current year) 1,600,301,491.52 1,739,338,396.23 1,807,826,890.10 1,856,693,767.43  
  (3) Earning Asset Yield 4.01 4.10 4.22 4.37  
  Annualized Interest Income 495,298,040.71 520,785,025.21 552,492,233.00 595,907,179.12  
  Average Earning Assets 12,338,059,397.67 12,705,910,809.46 13,092,026,262.97 13,622,619,022.20  
  Earning Assets (last year) 11,653,969,223.30 12,040,407,455.71 12,420,445,781.30 12,857,094,812.23  
  Earning Assets (current year) 13,022,149,572.04 13,371,414,163.20 13,763,606,744.63 14,388,143,232.17  
  (4) Funding Cost 1.02 1.09 1.19 1.33  
  Annualized Interest Expense 113,302,100.96 124,206,887.47 138,702,094.76 162,879,799.28  
  Average Interest Bearing Liabilities 11,069,891,382.35 11,361,499,980.17 11,670,967,216.13 12,220,969,395.26  
  Interest Bearing Liabilities (last year) 10,408,887,291.15 10,794,610,110.68 11,097,331,509.79 11,577,750,664.50  
  Interest Bearing Liabilities (current year) 11,730,895,473.55 11,928,389,849.67 12,244,602,922.48 12,864,188,126.01  
  (5) Interest Spread 2.99 3.01 3.03 3.04  
  (3) Earning Asset Yield 4.01 4.10 4.22 4.37  
  (4) Funding Cost 1.02 1.09 1.19 1.33  
  (6) Net Interest Margin 3.09 3.11 3.15 3.17  
  Annualized Net Interest Income 381,728,281.27 395,686,367.62 412,702,159.14 431,782,044.73  
  Average Earning Assets 12,338,059,397.67 12,705,910,809.46 13,092,026,262.97 13,622,619,022.20  
  (7) Cost to Income Ratio 62.95 63.07 63.05 63.56  
  Annualized Non-Interest Expenses 322,431,593.63 336,010,627.64 345,456,056.04 358,612,346.91  
  Annualized Total Operating Income 512,231,329.42 532,750,199.07 547,872,423.10 564,202,112.78  
  (8) Net Interest Income to Total Operating Income 74.52 74.27 75.33 76.53  
  Annualized Net Interest Income  381,728,281.27 395,686,367.62 412,702,159.14 431,782,044.73  
  Annualized Total Operating Income 512,231,329.42 532,750,199.07 547,872,423.10 564,202,112.78  
  (9) Non-interest Income to Total Operating Income 25.48 25.73 24.67 23.47  
  Annualized Non-Interest Income 130,503,048.15 137,063,831.46 135,170,263.96 132,420,068.05  
  Annualized Total Operating Income 512,231,329.42 532,750,199.07 547,872,423.10 564,202,112.78  
  CAPITAL ADEQUACY  
  Capital Adequacy Ratio - Solo 14.48 15.21 15.19 14.82  
  Capital Adequacy Ratio - Conso 15.07 15.75 15.75 15.44  
  Total Capital Accounts to Total Assets 11.72 11.59 11.49 11.92 12.19 12.18 12.34 12.31 12.32 12.26 12.31 12.04  
                             
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, Financial Supervision Sector, Bangko Sentral ng Pilipinas
Updated as of 7 March 2019