12 Balance Sheet                      
                         
                         
  Universal and Commercial Bank Group                      
  as of end of periods indicated                      
  amounts in thousand Pesos                      
                         
   
  Selected Accounts Jan-18 Feb-18 Mar-18 Apr-18 May-18 Jun-18 Jul-18 Aug-18 Sep-18 Oct-18  
   
  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  
  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  
  TLP (INCLUSIVE OF IBL AND RRPs) , NET  7,678,269,113.75 7,651,397,128.65 7,836,723,823.09 7,892,710,150.32 7,988,490,218.49 8,172,514,849.26 8,192,322,009.38 8,244,386,891.72 8,502,869,842.94 8,563,810,579.87  
  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  
  (a) Interbank Loans Receivable (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  
  (b) Total Reverse Repurchase (RRPs) 353,112,440.78 283,153,910.91 384,795,132.05 283,904,510.59 300,029,844.86 338,835,688.96 342,785,273.55 287,707,002.61 375,432,182.99 351,583,741.12  
  of which:  
  Reverse Repurchase (RRPs) with BSP 276,925,505.82 214,718,000.00 278,524,918.23 191,178,000.00 221,453,000.00 239,404,000.00 257,561,129.13 193,519,432.02 253,964,000.00 230,425,000.00  
  Reverse Repurchase (RRPs) with Other Banks 35,939,284.51 44,297,501.11 49,811,872.33 69,184,491.84 51,086,538.10 74,307,332.99 59,210,101.53 50,200,608.43 63,780,114.31 65,153,054.09  
  (c) Loans and Receivable - Others, net of amortization 7,169,997,096.78 7,260,903,496.80 7,381,624,413.37 7,509,264,924.26 7,593,229,402.01 7,715,467,495.99 7,798,868,825.18 7,898,212,357.75 8,002,521,843.89 8,101,588,341.29  
  Allowance for Credit Losses  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  
  TLP, gross (exclusive 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  
  TLP, gross (exclusive of IBL and RRP with BSP and Other Banks) 7,210,244,747.23 7,285,041,906.59 7,438,082,754.86 7,532,806,943.01 7,620,719,708.77 7,740,591,851.96 7,824,882,868.07 7,942,199,319.92 8,060,209,912.57 8,157,594,028.32  
  TOTAL INVESTMENTS, NET 3,071,975,096.46 3,202,400,679.90 3,220,856,943.47 3,225,527,675.63 3,268,681,601.93 3,325,451,575.02 3,337,244,897.70 3,383,092,288.42 3,401,541,473.89 3,411,723,958.42  
  (A) Financial Assets, net (Portfolio 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  
  Financial Assets, gross (net of amortization) 2,824,838,776.27 2,963,195,308.52 2,979,047,509.59 2,987,183,403.35 3,031,719,359.93 3,091,259,877.36 3,097,585,312.75 3,141,422,331.10 3,150,510,714.66 3,163,572,245.72  
  (1) Financial Assets Held for Trading (HFT) 223,196,888.22 255,380,469.81 238,905,992.16 224,583,887.86 216,290,191.92 198,954,340.20 209,118,446.01 220,646,545.78 193,450,994.66 191,261,614.54  
  (2) Financial Assets DFVPL 7,148,061.69 4,266,474.33 3,672,046.69 3,324,268.26 1,917,042.34 1,968,208.72 2,024,570.07 1,965,218.90 1,738,117.93 2,598,288.44  
  (3) Available-for-Sale (AFS) Financial Assets 786,795,110.88 822,623,009.53 809,961,218.78 817,617,258.87 822,136,336.90 839,279,930.77 826,813,072.44 835,862,516.40 709,005,128.54 714,506,008.91  
  (4) Held-to-Maturity (HTM) Financial Assets 1,750,677,356.59 1,838,353,008.12 1,873,422,226.49 1,886,887,519.10 1,935,877,715.72 1,991,245,351.76 1,993,024,450.22 2,018,537,538.80 2,246,316,473.53 2,255,206,333.83  
  (5) Unquoted Debt Securities Classified as Loans 52,827,298.60 38,383,648.52 50,865,860.16 52,551,114.94 53,239,822.14 57,544,503.40 64,337,432.73 62,142,961.34 0.00 0.00  
  (6) Investments in Non-Marketable Equity Securities 4,194,060.28 4,188,698.22 2,220,165.31 2,219,354.32 2,258,250.90 2,267,542.51 2,267,341.28 2,267,549.88 0.00 0.00  
  Accumulated Market Gains/Losses  6,402,020.00 (6,262,033.34) (3,887,821.47) (7,069,270.41) (8,412,762.52) (12,127,062.08) (10,242,546.15) (8,536,913.71) (13,569,068.74) (17,354,691.74)  
  Allowance for Credit Losses  19,302,733.60 19,467,883.60 18,426,421.64 21,677,081.10 21,795,675.62 21,862,503.82 21,903,426.46 21,940,136.23 17,549,201.48 17,534,561.56  
  (B) Equity Investment in Subsidiaries/Associates/Joint Ventures, net (Direct Investments) 260,037,033.78 264,935,288.32 264,123,676.99 267,090,623.79 267,170,680.14 268,181,263.56 271,805,557.56 272,147,007.25 282,149,029.45 283,040,966.00  
  ROPA, NET 62,068,944.65 61,569,837.06 61,961,140.49 61,625,466.03 61,586,425.97 65,548,518.02 65,392,223.88 65,327,983.94 65,338,594.18 65,780,170.72  
  Real and Other Properties Acquired (ROPA), gross 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  
  of which:  
  (1) Sales Contract Receivables, Gross 12,702,868.03 12,582,265.22 12,861,375.88 12,310,284.85 12,163,540.96 16,540,736.42 16,394,459.78 16,350,754.35 16,187,562.81 16,052,752.93  
  (a) Performing 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  
  (b) Non-Performing 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  
  Sales Contract Receivables, Net 12,098,114.20 11,962,415.32 12,204,205.27 11,611,439.43 11,466,320.77 15,863,730.09 15,730,256.46 15,692,863.15 15,536,196.63 15,427,905.10  
  (2) Non-Current Assets Held for Sale, Gross 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  
  Non-Current Assets Held for Sale, net 1,453,768.37 1,183,518.00 1,301,985.74 1,341,331.77 1,308,930.24 1,265,084.68 1,320,132.97 1,312,052.43 1,475,840.54 1,557,407.37  
  Unamortized Discount and Other Deferred Credits 29,240.75 28,554.15 28,263.85 29,238.52 28,505.60 27,116.88 26,694.21 23,201.71 22,588.60 21,829.06  
  Accummulated Depreciation 12,505,948.60 12,550,358.61 12,591,263.99 12,657,450.47 12,514,289.79 12,252,642.42 12,479,449.26 12,146,400.01 12,117,736.78 12,247,734.98  
  Allowance for Losses 11,162,580.46 11,308,776.76 11,129,517.98 11,114,894.23 11,104,060.15 10,898,421.04 10,852,906.65 10,572,951.27 10,488,624.66 10,478,384.50  
  OTHER ASSETS 467,615,346.23 476,804,671.84 489,885,564.34 483,961,077.64 500,737,274.09 503,757,743.63 494,947,070.60 509,403,625.10 493,379,130.53 500,061,101.79  
  LIABILITIES AND CAPITAL  
  LIABILITIES 12,079,688,735.90 12,173,153,717.25 12,329,154,359.13 12,302,055,652.97 12,425,678,776.48 12,541,300,927.19 12,555,395,251.57 12,703,570,136.93 12,866,096,771.37 12,983,670,977.08  
  FINANCIAL LIABILITIES HFT 34,608,329.31 40,683,445.96 38,857,470.27 37,780,144.07 36,675,179.26 44,488,457.88 41,494,730.36 39,259,555.17 45,232,471.59 44,080,554.23  
  FINANCIAL LIABILITIES DFVPL 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00  
  DEPOSIT LIABILITIES 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  
  Peso Liabilities 8,644,807,617.64 8,738,730,503.92 8,898,302,568.12 8,869,549,063.95 8,938,127,901.92 9,037,290,947.16 9,052,474,506.54 9,129,211,899.22 9,212,522,860.80 9,234,468,066.02  
  Demand and NOW 2,575,689,669.30 2,604,426,508.69 2,622,952,404.09 2,705,432,938.67 2,691,205,151.23 2,709,654,401.51 2,739,672,326.67 2,719,916,150.45 2,729,640,853.01 2,725,552,096.91  
  Savings 4,130,427,065.11 4,161,800,903.45 4,242,291,164.38 4,166,886,488.31 4,286,312,912.49 4,348,901,239.04 4,343,504,970.23 4,426,504,250.39 4,505,773,661.99 4,521,074,836.40  
  Time 1,748,014,447.27 1,778,816,996.78 1,839,391,548.59 1,803,551,616.91 1,757,589,821.47 1,773,374,593.71 1,751,997,470.92 1,765,476,558.75 1,761,197,491.28 1,760,331,379.89  
  LTNCD 190,676,435.97 193,686,095.01 193,667,451.06 193,678,020.05 203,020,016.72 205,360,712.89 217,299,738.72 217,314,939.63 215,910,854.53 227,509,752.83  
  Foreign Currency 1,990,378,481.70 1,998,933,938.78 1,962,659,527.90 1,970,269,109.91 1,982,606,752.43 1,981,594,273.45 2,024,301,491.80 2,014,801,110.07 2,051,982,838.66 2,075,342,696.34  
  Demand and NOW 67,360,565.88 68,865,460.02 65,090,697.25 63,379,379.45 61,630,302.08 61,377,290.20 65,571,321.90 67,661,035.05 64,338,921.91 68,666,717.49  
  Savings 956,396,686.90 961,298,628.59 934,528,306.60 963,283,665.14 964,969,169.07 966,874,869.62 997,034,504.95 993,309,172.36 1,008,390,260.30 1,018,159,977.41  
  Time 966,621,228.92 968,769,850.17 963,040,524.05 943,606,065.33 956,007,281.28 953,342,113.63 961,695,664.94 953,830,902.66 979,253,656.45 988,516,001.44  
  LTNCD 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00  
  DUE TO BANKS/OTHERS 160,902,215.84 167,343,839.03 147,280,618.16 162,850,475.54 169,360,468.16 162,170,237.78 195,298,617.55 204,393,624.41 159,308,121.59 169,274,366.60  
  BILLS PAYABLE 601,073,692.52 565,784,615.86 612,935,006.12 565,757,520.14 572,170,075.17 619,952,294.90 536,703,225.75 606,157,647.47 639,579,169.98 687,808,176.02  
  BONDS PAYABLE 110,806,267.57 120,364,134.06 136,119,452.20 158,106,866.70 160,467,858.05 162,976,165.92 162,227,533.75 163,398,378.89 212,988,682.07 210,968,710.11  
  UNSECURED SUBORDINATED DEBT, NET 81,485,094.02 81,490,371.27 81,499,426.13 81,507,619.20 81,512,825.16 81,517,971.78 81,523,238.84 81,528,516.81 81,533,736.24 81,538,732.46  
  REDEEMABLE PREFERRED SHARES 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00  
  DERIVATIVES WITH NEGATIVE FAIR VALUE HELD FOR HEDGING 54.12 54.25 114,095.77 2,114.45 94,124.43 53,254.66 1,214.92 116,820.64 0.00 0.00  
  OTHER LIABILITIES 455,626,883.17 459,822,714.13 451,386,094.47 456,232,639.01 484,663,492.01 451,257,223.66 461,370,592.05 464,702,484.25 462,948,790.45 480,189,575.29  
  TOTAL CAPITAL ACCOUNTS  1,603,459,646.80 1,595,301,675.86 1,600,301,491.52 1,664,146,986.89 1,724,993,736.77 1,739,338,396.23 1,766,733,557.31 1,783,711,349.08 1,807,826,890.10 1,813,483,331.30  
  Capital Stock 708,923,922.88 708,971,013.42 718,453,979.92 777,572,678.58 827,391,553.48 832,769,188.19 847,826,362.89 847,950,497.73 857,833,777.23 857,844,311.99  
  Retained Earnings & Undivided Profits 737,811,905.19 740,836,207.42 741,144,986.09 748,160,117.70 760,819,856.82 773,247,168.36 783,840,438.29 798,536,759.21 816,939,504.77 828,670,889.24  
  Other Comprehensive Income (12,356,489.05) (22,691,949.33) (21,316,489.65) (24,543,999.74) (26,531,688.90) (30,488,789.41) (28,257,134.05) (26,101,396.77) (30,349,813.72) (35,006,397.36)  
  Appraisal Increment Reserves 2,749,404.54 2,750,589.83 2,751,775.13 2,752,960.43 2,754,145.73 2,755,331.03 2,756,516.33 2,757,701.62 2,758,886.92 2,760,072.22  
  Other Capital 166,330,903.25 165,435,814.52 159,267,240.02 160,205,229.91 160,559,869.65 161,055,498.06 160,567,373.85 160,567,787.29 160,644,534.91 159,214,455.21  
                         
Source : Supervisory Data Center, Financial Supervision Sector, Bangko Sentral ng Pilipinas
Updated as of 7 December 2018