25 Selected Performance Indicators                          
                             
                             
  Universal 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 1.68 1.81 1.72 1.79 1.82 1.75 1.78 1.84 1.78 1.84 1.85 1.67  
  Past Due Loans 120,474,802.48 130,403,477.27 126,842,637.27 132,572,426.75 136,320,901.37 134,409,904.38 136,850,922.54 141,179,068.44 140,836,607.35 146,788,799.28 148,932,336.85 138,478,334.01  
  Total Loan Portfolio (TLP), gross  7,164,662,462.54 7,200,228,310.47 7,371,155,548.89 7,418,392,242.63 7,497,580,709.41 7,669,505,728.55 7,677,783,982.08 7,689,510,367.34 7,919,219,861.12 7,975,289,728.33 8,033,051,936.24 8,299,655,150.66  
  RL to TLP 0.48 0.48 0.47 0.46 0.46 0.45 0.38 0.37 0.36 0.35 0.34 0.35  
  Restructured Loans (RL), gross 34,403,428.63 34,526,789.57 34,520,614.43 34,039,654.40 34,126,509.92 34,579,330.61 29,073,425.00 28,803,228.51 28,270,664.09 27,605,909.53 27,523,361.43 29,193,498.99  
  TLP, gross  7,164,662,462.54 7,200,228,310.47 7,371,155,548.89 7,418,392,242.63 7,497,580,709.41 7,669,505,728.55 7,677,783,982.08 7,689,510,367.34 7,919,219,861.12 7,975,289,728.33 8,033,051,936.24 8,299,655,150.66  
  Loan Loss Reserves (LLR) to TLP 1.87 1.94 1.96 1.96 1.91 1.86 1.88 1.88 1.78 1.78 1.78 1.59  
  Allowance for Credit Losses (ACL) - TLP 133,874,324.84 139,432,000.72 144,283,567.65 145,501,869.04 143,065,658.77 142,600,996.14 144,686,130.22 144,933,130.07 140,718,046.88 142,210,457.85 142,979,254.77 132,093,832.03  
  TLP, gross  7,164,662,462.54 7,200,228,310.47 7,371,155,548.89 7,418,392,242.63 7,497,580,709.41 7,669,505,728.55 7,677,783,982.08 7,689,510,367.34 7,919,219,861.12 7,975,289,728.33 8,033,051,936.24 8,299,655,150.66  
  Gross NPL Ratio 1.28 1.34 1.28 1.30 1.32 1.30 1.33 1.33 1.29 1.30 1.33 1.24  
  Gross Non-Performing Loans (NPL) 91,645,404.82 96,245,945.55 94,213,952.25 96,093,773.27 98,647,099.76 100,011,208.84 101,997,549.63 102,357,160.69 102,458,924.09 103,876,518.27 107,210,068.78 102,820,572.84  
  TLP, gross  7,164,662,462.54 7,200,228,310.47 7,371,155,548.89 7,418,392,242.63 7,497,580,709.41 7,669,505,728.55 7,677,783,982.08 7,689,510,367.34 7,919,219,861.12 7,975,289,728.33 8,033,051,936.24 8,299,655,150.66  
  Gross NPL Ratio, net of IBL 1.32 1.37 1.30 1.33 1.35 1.34 1.35 1.35 1.33 1.33 1.36 1.26  
  Gross NPL, net of NP IBL 90,938,510.56 95,539,120.94 93,509,087.50 95,392,196.94 97,946,789.60 99,273,991.24 101,292,885.40 101,650,438.71 101,828,270.30 103,274,052.05 106,575,556.10 102,186,242.23  
  (1) Gross NPL 91,645,404.82 96,245,945.55 94,213,952.25 96,093,773.27 98,647,099.76 100,011,208.84 101,997,549.63 102,357,160.69 102,458,924.09 103,876,518.27 107,210,068.78 102,820,572.84  
  (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 6,912,869,627.58 6,977,005,481.29 7,177,017,225.05 7,197,662,000.02 7,280,740,597.33 7,431,353,574.93 7,492,540,570.37 7,519,678,336.75 7,685,001,052.49 7,762,467,755.05 7,837,212,440.76 8,095,694,818.02  
  (1) TLP, gross 7,164,662,462.54 7,200,228,310.47 7,371,155,548.89 7,418,392,242.63 7,497,580,709.41 7,669,505,728.55 7,677,783,982.08 7,689,510,367.34 7,919,219,861.12 7,975,289,728.33 8,033,051,936.24 8,299,655,150.66  
  (2) Interbank Loans Receivables (IBL) 251,792,834.96 223,222,829.19 194,138,323.84 220,730,242.61 216,840,112.08 238,152,153.61 185,243,411.70 169,832,030.58 234,218,808.63 212,821,973.28 195,839,495.48 203,960,332.64  
  Net NPL Ratio1/ 0.52 0.53 0.49 0.52 0.57 0.54 0.55 0.56 0.56 0.57 0.59 0.54  
  NPL, net of Specific ACL1/ 37,092,155.06 38,305,481.40 36,231,179.31 38,849,313.26 42,656,720.73 41,687,839.43 42,251,550.25 42,697,547.84 44,712,766.80 45,503,724.69 47,741,718.33 44,850,306.46  
  (1) Gross NPL 91,645,404.82 96,245,945.55 94,213,952.25 96,093,773.27 98,647,099.76 100,011,208.84 101,997,549.63 102,357,160.69 102,458,924.09 103,876,518.27 107,210,068.78 102,820,572.84  
  (2) Specific ACL 54,553,249.77 57,940,464.15 57,982,772.94 57,244,460.02 55,990,379.03 58,323,369.41 59,745,999.37 59,659,612.84 57,746,157.29 58,372,793.58 59,468,350.45 57,970,266.38  
  TLP, gross  7,164,662,462.54 7,200,228,310.47 7,371,155,548.89 7,418,392,242.63 7,497,580,709.41 7,669,505,728.55 7,677,783,982.08 7,689,510,367.34 7,919,219,861.12 7,975,289,728.33 8,033,051,936.24 8,299,655,150.66  
  NPL Coverage Ratio 146.08 144.87 153.14 151.42 145.03 142.59 141.85 141.60 137.34 136.90 133.36 128.47  
  ACL - TLP 133,874,324.84 139,432,000.72 144,283,567.65 145,501,869.04 143,065,658.77 142,600,996.14 144,686,130.22 144,933,130.07 140,718,046.88 142,210,457.85 142,979,254.77 132,093,832.03  
  Gross NPL 91,645,404.82 96,245,945.55 94,213,952.25 96,093,773.27 98,647,099.76 100,011,208.84 101,997,549.63 102,357,160.69 102,458,924.09 103,876,518.27 107,210,068.78 102,820,572.84  
  NPA to Gross Assets  1.26 1.28 1.25 1.26 1.27 1.26 1.27 1.26 1.24 1.25 1.26 1.19  
  Non-Performing Assets (NPA) 160,061,544.71 164,116,538.78 162,013,165.38 163,995,793.84 166,533,855.32 167,205,516.91 169,186,319.18 168,917,551.59 169,191,543.00 171,603,156.07 174,785,030.65 170,068,595.15  
  (1) Gross NPL 91,645,404.82 96,245,945.55 94,213,952.25 96,093,773.27 98,647,099.76 100,011,208.84 101,997,549.63 102,357,160.69 102,458,924.09 103,876,518.27 107,210,068.78 102,820,572.84  
  (2) ROPA, gross 68,416,139.89 67,870,593.22 67,799,213.13 67,902,020.57 67,886,755.56 67,194,308.06 67,188,769.56 66,560,390.91 66,732,618.91 67,726,637.80 67,574,961.87 67,248,022.30  
  (a) Real and Other Properties Acquired (ROPA) 62,865,623.63 62,730,735.70 62,624,749.44 62,857,543.24 62,920,835.87 62,340,573.11 62,360,824.34 61,812,736.50 61,731,973.11 62,207,331.50 62,010,434.38 61,752,396.32  
  (b) Non-Current Assets Held for Sale 1,767,744.68 1,662,654.39 1,760,407.23 1,790,237.13 1,765,960.20 1,709,606.19 1,800,602.43 1,769,237.60 1,932,350.27 2,088,861.99 2,161,252.65 2,113,847.38  
  (c) Non-Performing Sales Contract Receivables (SCR) 3,782,771.58 3,477,203.13 3,414,056.46 3,254,240.21 3,199,959.49 3,144,128.76 3,027,342.78 2,978,416.81 3,068,295.54 3,430,444.30 3,403,274.84 3,381,778.61  
  Gross Assets 12,699,106,879.06 12,786,976,998.50 12,978,259,873.99 13,004,469,048.84 13,164,651,728.62 13,308,091,243.03 13,306,743,641.72 13,421,756,257.86 13,633,111,444.13 13,711,253,516.55 13,829,869,655.90 14,343,649,955.91  
  (1) Total Assets 12,543,547,297.02 12,625,686,625.59 12,812,259,608.14 12,837,181,022.05 12,999,944,113.69 13,144,324,020.84 13,140,678,120.92 13,255,978,612.39 13,471,664,226.17 13,548,219,859.81 13,666,198,844.13 14,190,752,653.09  
  (2) Allowance on NPA 155,559,582.04 161,290,372.92 166,000,265.85 167,288,026.79 164,707,614.93 163,767,222.19 166,065,520.80 165,777,645.47 161,447,217.97 163,033,656.74 163,670,811.77 152,897,302.82  
  NPA Coverage Ratio 97.19 98.28 102.46 102.01 98.90 97.94 98.16 98.14 95.42 95.01 93.64 89.90  
  Allowance on NPA 155,559,582.04 161,290,372.92 166,000,265.85 167,288,026.79 164,707,614.93 163,767,222.19 166,065,520.80 165,777,645.47 161,447,217.97 163,033,656.74 163,670,811.77 152,897,302.82  
  NPA 160,061,544.71 164,116,538.78 162,013,165.38 163,995,793.84 166,533,855.32 167,205,516.91 169,186,319.18 168,917,551.59 169,191,543.00 171,603,156.07 174,785,030.65 170,068,595.15  
  Distressed Assets Ratio 2.50 2.55 2.43 2.43 2.44 2.39 2.34 2.33 2.28 2.29 2.31 2.19  
  Distressed Assets 180,869,827.27 185,488,792.39 180,826,086.09 182,216,687.18 184,860,158.09 184,996,770.23 181,468,356.42 181,156,088.51 182,433,967.97 184,207,587.94 187,470,521.10 183,933,555.08  
  NPA 160,061,544.71 164,116,538.78 162,013,165.38 163,995,793.84 166,533,855.32 167,205,516.91 169,186,319.18 168,917,551.59 169,191,543.00 171,603,156.07 174,785,030.65 170,068,595.15  
  RL, Performing 20,808,282.56 21,372,253.62 18,812,920.71 18,220,893.34 18,326,302.77 17,791,253.33 12,282,037.23 12,238,536.92 13,242,424.97 12,604,431.87 12,685,490.45 13,864,959.93  
  TLP, gross  7,164,662,462.54 7,200,228,310.47 7,371,155,548.89 7,418,392,242.63 7,497,580,709.41 7,669,505,728.55 7,677,783,982.08 7,689,510,367.34 7,919,219,861.12 7,975,289,728.33 8,033,051,936.24 8,299,655,150.66  
  Total ROPA 75,919,003.49 75,589,339.82 75,883,909.14 76,016,761.43 75,920,741.68 79,478,245.56 79,458,656.44 78,846,951.31 78,790,818.89 79,303,924.05 79,259,087.64 80,077,195.19  
  (1) ROPA, gross 68,416,139.89 67,870,593.22 67,799,213.13 67,902,020.57 67,886,755.56 67,194,308.06 67,188,769.56 66,560,390.91 66,732,618.91 67,726,637.80 67,574,961.87 67,248,022.30  
  (2) Performing SCR 7,502,863.61 7,718,746.60 8,084,696.01 8,114,740.87 8,033,986.12 12,283,937.49 12,269,886.89 12,286,560.40 12,058,199.97 11,577,286.25 11,684,125.77 12,829,172.88  
  LIQUIDITY RATIOS  
  (1) Cash and Due from Banks to Deposits 22.26 21.50 20.85 20.73 20.85 19.50 19.55 19.85 19.17 19.33 19.32 20.31  
  Cash and Due from Banks   2,181,106,492.81 2,132,336,637.51 2,094,292,797.58 2,079,475,149.82 2,104,988,084.16 1,992,148,581.79 2,002,905,239.30 2,043,396,831.78 1,998,002,355.25 2,016,026,552.90 2,023,015,665.56 2,184,238,414.91  
  Deposits 9,798,214,620.48 9,915,969,756.90 10,043,400,338.15 10,033,067,069.50 10,097,293,514.63 10,214,782,334.99 10,242,880,036.49 10,293,182,098.34 10,422,136,117.30 10,430,249,945.78 10,472,350,814.31 10,753,505,183.82  
  (2) Liquid Assets to Deposits Ratio 48.72 48.52 48.00 47.86 48.22 47.29 47.11 47.76 47.04 47.14 47.44 48.34  
  Liquid Assets, sum of: 4,773,586,350.88 4,811,222,085.14 4,820,821,521.60 4,801,757,768.51 4,868,950,278.02 4,830,819,793.10 4,825,223,656.26 4,915,904,530.26 4,902,551,965.42 4,916,910,601.40 4,967,787,360.59 5,198,484,684.82  
  (1) Cash and Due from Banks 2,181,106,492.81 2,132,336,637.51 2,094,292,797.58 2,079,475,149.82 2,104,988,084.16 1,992,148,581.79 2,002,905,239.30 2,043,396,831.78 1,998,002,355.25 2,016,026,552.90 2,023,015,665.56 2,184,238,414.91  
  (2) Financial Assets, net (excl. equity investments) 2,592,479,858.07 2,678,885,447.63 2,726,528,724.02 2,722,282,618.69 2,763,962,193.86 2,838,671,211.31 2,822,318,416.96 2,872,507,698.48 2,904,549,610.17 2,900,884,048.50 2,944,771,695.04 3,014,246,269.91  
  Deposits 9,798,214,620.48 9,915,969,756.90 10,043,400,338.15 10,033,067,069.50 10,097,293,514.63 10,214,782,334.99 10,242,880,036.49 10,293,182,098.34 10,422,136,117.30 10,430,249,945.78 10,472,350,814.31 10,753,505,183.82  
  (3) Loans (gross) to Deposits 73.12 72.61 73.39 73.94 74.25 75.08 74.96 74.70 75.98 76.46 76.71 77.18  
  Loans (gross) 7,164,662,462.54 7,200,228,310.47 7,371,155,548.89 7,418,392,242.63 7,497,580,709.41 7,669,505,728.55 7,677,783,982.08 7,689,510,367.34 7,919,219,861.12 7,975,289,728.33 8,033,051,936.24 8,299,655,150.66  
  Deposits 9,798,214,620.48 9,915,969,756.90 10,043,400,338.15 10,033,067,069.50 10,097,293,514.63 10,214,782,334.99 10,242,880,036.49 10,293,182,098.34 10,422,136,117.30 10,430,249,945.78 10,472,350,814.31 10,753,505,183.82  
  SELECTED PROFITABILITY RATIOS  
  (1)  Return on Assets (ROA) 1.17 1.14 1.14 1.12  
  Annualized Net Profit or Loss  141,479,674.11 142,113,323.12 146,571,883.17 150,602,426.96  
  Average Assets 12,099,032,343.45 12,463,287,897.25 12,819,687,223.02 13,427,092,872.89  
  Total Assets (last year) 11,385,805,078.75 11,782,251,773.66 12,167,710,219.87 12,663,433,092.68  
  Total Assets (current year) 12,812,259,608.14 13,144,324,020.84 13,471,664,226.17 14,190,752,653.09  
  (2) Return on Equity (ROE) 10.25 9.65 9.63 9.71  
  Annualized Net Profit or Loss  141,479,674.11 142,113,323.12 146,571,883.17 150,602,426.96  
  Average Capital 1,380,729,188.55 1,472,280,632.85 1,522,164,887.35 1,551,203,400.14  
  Total Capital (last year) 1,319,827,898.35 1,365,287,094.93 1,399,424,055.98 1,414,714,533.47  
  Total Capital (current year) 1,441,630,478.74 1,579,274,170.77 1,644,905,718.72 1,687,692,266.82  
  (3) Earning Asset Yield 3.97 4.05 4.17 4.31  
  Annualized Interest Income 448,177,351.82 471,382,707.43 500,220,209.54 539,518,070.98  
  Average Earning Assets 11,291,593,737.75 11,634,920,510.92 11,991,551,536.76 12,504,262,054.31  
  Earning Assets (last year) 10,631,076,207.93 10,988,677,878.22 11,375,483,321.15 11,802,181,786.00  
  Earning Assets (current year) 11,952,111,267.57 12,281,163,143.61 12,607,619,752.36 13,206,342,322.62  
  (4) Funding Cost 1.02 1.09 1.18 1.32  
  Annualized Interest Expense 104,576,234.66 114,532,364.57 127,723,495.33 149,555,907.08  
  Average Interest Bearing Liabilities 10,245,274,313.42 10,523,475,653.19 10,814,998,811.12 11,343,628,390.26  
  Interest Bearing Liabilities (last year) 9,607,001,330.06 9,969,301,144.72 10,285,966,896.24 10,738,054,271.95  
  Interest Bearing Liabilities (current year) 10,883,547,296.77 11,077,650,161.65 11,344,030,725.99 11,949,202,508.57  
  (5) Interest Spread 2.95 2.96 2.99 3.00  
  (3) Earning Asset Yield 3.97 4.05 4.17 4.31  
  (4) Funding Cost 1.02 1.09 1.18 1.32  
  (6) Net Interest Margin 3.04 3.07 3.11 3.12  
  Annualized Net Interest Income 343,619,041.41 356,951,849.17 372,483,124.74 389,888,056.07  
  Average Earning Assets 11,291,593,737.75 11,634,920,510.92 11,991,551,536.76 12,504,262,054.31  
  (7) Cost to Income Ratio 62.59 62.68 62.69 63.19  
  Annualized Non-Interest Expenses 285,991,027.60 298,954,273.70 307,677,444.29 319,295,364.55  
  Annualized Total Operating Income 456,962,616.48 476,947,182.89 490,774,378.69 505,272,822.94  
  (8) Net Interest Income to Total Operating Income 75.20 74.84 75.90 77.16  
  Annualized Net Interest Income  343,619,041.41 356,951,849.17 372,483,124.74 389,888,056.07  
  Annualized Total Operating Income 456,962,616.48 476,947,182.89 490,774,378.69 505,272,822.94  
  (9) Non-interest Income to Total Operating Income 24.80 25.16 24.10 22.84  
  Annualized Non-Interest Income 113,343,575.08 119,995,333.72 118,291,253.95 115,384,766.87  
  Annualized Total Operating Income 456,962,616.48 476,947,182.89 490,774,378.69 505,272,822.94  
  CAPITAL ADEQUACY  
  Capital Adequacy Ratio - Solo 13.89 14.75 14.78 14.37  
  Capital Adequacy Ratio - Conso 14.60 15.39 15.43 15.10  
  Total Capital Accounts to Total Assets 11.49 11.35 11.25 11.72 12.03 12.01 12.22 12.23 12.21 12.18 12.20 11.89  
                             
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