12 Balance Sheet                  
                     
                     
  Universal and Commercial Bank Group                  
  as of end of periods indicated                  
  amounts in thousand Pesos                  
                     
   
  Selected Accounts Jan-19 Feb-19 Mar-19 Apr-19 May-19 Jun-19 Jul-19 Aug-19  
   
  TOTAL ASSETS  15,106,636,107.22 15,191,875,499.73 15,519,618,695.60 15,588,202,738.05 15,612,884,355.57 15,756,123,656.69 15,936,314,906.20 15,958,390,807.30  
  CASH AND DUE FROM BANKS 2,170,341,352.51 2,259,470,371.16 2,316,099,250.40 2,194,605,218.05 2,219,818,156.53 2,181,580,470.39 2,224,919,431.44 2,264,661,769.58  
  TLP (INCLUSIVE OF IBL AND RRPs) , NET  8,700,026,983.59 8,688,573,332.42 8,760,142,923.72 8,928,309,292.18 8,852,192,509.46 9,041,789,341.58 9,160,863,762.01 9,115,982,116.21  
  Total Loan Portfolio (TLP), gross  8,852,483,686.55 8,844,773,742.10 8,918,521,799.86 9,086,614,591.47 9,013,257,395.00 9,204,614,846.12 9,326,023,472.38 9,285,620,192.72  
  (a) Interbank Loans Receivable (IBL) 232,951,172.57 255,056,489.16 257,825,897.17 293,737,016.84 273,995,804.48 282,483,205.96 294,356,433.32 302,542,336.50  
  (b) Total Reverse Repurchase (RRPs) 345,542,087.19 331,180,713.62 332,918,210.68 331,608,383.73 246,183,313.86 399,242,227.73 375,818,190.17 260,128,141.75  
  of which:  
  Reverse Repurchase (RRPs) with BSP 260,341,081.19 260,349,463.57 206,885,000.00 222,435,000.00 143,381,000.00 264,304,421.43 258,983,984.78 173,608,000.00  
  Reverse Repurchase (RRPs) with Other Banks 60,933,677.74 45,650,293.84 79,627,388.67 64,445,195.47 57,977,592.98 68,277,636.01 68,012,210.93 50,286,472.64  
  (c) Loans and Receivable - Others, net of amortization 8,273,990,426.79 8,258,536,539.32 8,327,777,692.00 8,461,269,190.89 8,493,078,276.67 8,522,889,412.44 8,655,848,848.89 8,722,949,714.47  
  Allowance for Credit Losses  152,456,702.96 156,200,409.68 158,378,876.14 158,305,299.28 161,064,885.54 162,825,504.55 165,159,710.37 169,638,076.51  
  TLP, gross (exclusive of IBL) 8,619,532,513.98 8,589,717,252.94 8,660,695,902.69 8,792,877,574.62 8,739,261,590.53 8,922,131,640.17 9,031,667,039.06 8,983,077,856.22  
  TLP, gross (exclusive of IBL and RRP with BSP and Other Banks) 8,298,257,755.05 8,283,717,495.53 8,374,183,514.02 8,505,997,379.15 8,537,902,997.55 8,589,549,582.72 8,704,670,843.36 8,759,183,383.58  
  TOTAL INVESTMENTS, NET 3,646,836,796.13 3,662,721,535.63 3,846,503,728.79 3,879,418,719.65 3,922,026,556.76 3,914,853,541.75 3,931,149,785.33 3,967,760,731.43  
  (A) Financial Assets, net (Portfolio Investments) 3,349,772,633.66 3,363,875,254.86 3,544,674,664.57 3,575,184,458.49 3,616,435,378.42 3,605,160,265.41 3,633,851,936.69 3,671,510,352.31  
  Financial Assets, gross (net of amortization) 3,368,122,509.95 3,381,038,000.81 3,552,435,883.23 3,585,657,186.47 3,622,135,108.18 3,602,038,868.08 3,627,026,788.93 3,658,598,180.52  
  (1) Financial Assets Held for Trading (HFT) 245,690,244.39 254,340,970.62 263,236,382.23 265,639,831.94 279,133,697.42 250,993,125.46 257,664,218.98 271,523,130.64  
  (2) Financial Assets DFVPL 2,994,943.16 2,962,800.41 2,971,174.89 3,078,857.08 3,252,691.32 2,803,078.37 2,999,819.38 3,305,595.57  
  (3) Available-for-Sale (AFS) Financial Assets 780,988,961.94 786,581,914.74 887,729,508.73 919,503,637.15 930,944,606.51 985,963,294.31 1,036,381,418.63 1,023,457,631.85  
  (4) Held-to-Maturity (HTM) Financial Assets 2,338,448,360.46 2,337,152,315.04 2,398,498,817.38 2,397,434,860.30 2,408,804,112.93 2,362,279,369.94 2,329,981,331.95 2,360,311,822.46  
  (5) Unquoted Debt Securities Classified as Loans 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00  
  (6) Investments in Non-Marketable Equity Securities 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00  
  Accumulated Market Gains/Losses  (1,140,280.52) 32,329.97 9,469,725.24 6,769,422.13 11,670,986.97 20,548,569.30 24,234,959.46 30,367,127.43  
  Allowance for Credit Losses  17,209,595.77 17,195,075.93 17,230,943.90 17,242,150.11 17,370,716.72 17,427,171.96 17,409,811.70 17,454,955.65  
  (B) Equity Investment in Subsidiaries/Associates/Joint Ventures, net (Direct Investments) 297,064,162.46 298,846,280.77 301,829,064.22 304,234,261.16 305,591,178.33 309,693,276.33 297,297,848.64 296,250,379.12  
  ROPA, NET 66,683,859.70 66,583,347.15 62,636,761.33 62,592,993.42 60,918,115.44 61,128,874.90 63,434,645.57 63,189,884.61  
  Real and Other Properties Acquired (ROPA), gross 89,246,033.08 89,362,528.33 85,419,035.67 85,430,496.23 83,811,749.48 84,077,823.76 87,169,248.39 87,018,427.19  
  of which:  
  (1) Sales Contract Receivables, Gross 16,891,955.13 16,799,866.28 12,874,583.60 12,764,986.32 12,697,601.94 12,520,417.00 13,368,198.71 12,998,283.95  
  (a) Performing 13,465,557.45 13,488,519.55 9,566,885.05 9,310,616.74 9,720,856.26 8,768,236.45 10,195,629.73 9,815,815.69  
  (b) Non-Performing 3,426,397.68 3,311,346.73 3,307,698.55 3,454,369.58 2,976,745.68 3,752,180.55 3,172,568.98 3,182,468.25  
  Sales Contract Receivables, Net 16,067,362.16 16,093,671.16 12,197,994.27 12,102,876.36 12,028,390.62 11,856,832.68 12,672,819.07 12,330,108.46  
  (2) Non-Current Assets Held for Sale, Gross 2,201,252.30 2,180,082.62 2,203,736.49 2,175,685.33 2,097,455.41 2,132,646.31 2,155,671.09 2,566,954.45  
  Non-Current Assets Held for Sale, net 1,725,451.46 1,183,518.00 1,301,985.74 1,341,331.77 1,699,097.56 1,733,665.61 1,737,858.97 2,076,501.42  
  Unamortized Discount and Other Deferred Credits 41,241.72 44,850.58 40,652.39 43,454.03 52,152.52 51,598.59 62,944.39 52,372.20  
  Accummulated Depreciation 12,475,737.18 12,582,569.09 12,665,306.90 12,789,685.98 12,908,266.86 12,988,330.24 13,443,057.78 13,511,772.07  
  Allowance for Losses 10,045,194.48 10,151,761.50 10,076,315.06 10,004,362.81 9,933,214.66 9,909,020.02 10,228,600.65 10,264,398.30  
  OTHER ASSETS 522,747,115.28 514,526,913.36 534,236,031.36 523,276,514.75 557,929,017.38 556,771,428.08 555,947,281.85 546,796,305.47  
  LIABILITIES AND CAPITAL  
  LIABILITIES 13,225,048,574.98 13,300,403,202.49 13,599,867,969.99 13,655,107,050.85 13,667,029,966.87 13,783,615,005.53 13,925,133,935.19 13,928,814,796.69  
  FINANCIAL LIABILITIES HFT 38,875,518.32 40,088,394.07 35,982,719.09 35,112,230.66 35,640,471.59 42,410,831.21 38,759,025.88 38,065,034.44  
  FINANCIAL LIABILITIES DFVPL 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00  
  DEPOSIT LIABILITIES 11,389,116,309.37 11,422,295,228.07 11,531,099,496.83 11,576,935,905.51 11,636,381,311.83 11,702,760,057.73 11,896,226,906.67 11,874,366,793.10  
  Peso Liabilities 9,336,721,592.14 9,356,458,511.99 9,471,446,865.43 9,485,754,175.29 9,563,387,123.29 9,621,731,903.19 9,783,530,224.65 9,748,533,583.48  
  Demand and NOW 2,741,099,591.54 2,780,008,323.93 2,795,677,705.45 2,821,522,524.97 2,822,538,673.04 2,851,040,203.33 2,938,561,972.27 2,952,999,444.72  
  Savings 4,461,755,362.50 4,436,644,923.37 4,494,448,570.52 4,453,681,709.52 4,478,189,198.04 4,438,927,851.45 4,549,976,643.21 4,492,821,794.87  
  Time 1,906,309,230.13 1,914,085,761.60 1,956,484,448.23 1,985,378,246.26 2,047,474,448.21 2,124,054,812.66 2,087,274,026.73 2,099,986,144.03  
  LTNCD 227,557,407.97 225,719,503.09 224,836,141.24 225,171,694.55 215,184,804.01 207,709,035.74 207,717,582.44 202,726,199.87  
  Foreign Currency 2,052,394,717.22 2,065,836,716.09 2,059,652,631.40 2,091,181,730.21 2,072,994,188.54 2,081,028,154.54 2,112,696,682.01 2,125,833,209.61  
  Demand and NOW 58,107,020.49 61,510,252.74 62,000,316.42 63,139,703.93 62,128,614.93 61,209,509.65 61,282,983.61 63,948,267.84  
  Savings 990,959,297.01 1,006,054,280.31 994,380,433.34 1,035,307,967.74 1,006,129,403.19 1,034,190,673.23 1,032,235,111.93 1,019,980,080.44  
  Time 1,003,328,399.73 998,272,183.04 1,003,271,881.63 992,734,058.54 1,004,736,170.41 985,627,971.66 1,019,178,586.47 1,041,904,861.33  
  LTNCD 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00  
  DUE TO BANKS/OTHERS 199,614,762.51 189,773,101.26 200,194,991.54 220,099,522.30 184,153,994.90 183,645,010.58 189,260,446.68 169,723,876.09  
  BILLS PAYABLE 764,700,265.09 758,315,109.46 932,224,022.66 896,313,241.66 880,026,079.07 853,907,583.74 788,434,149.21 811,869,467.73  
  BONDS PAYABLE 268,291,813.76 316,672,048.58 319,843,694.10 335,674,195.01 349,682,598.49 423,744,967.91 462,892,278.64 473,421,299.61  
  UNSECURED SUBORDINATED DEBT, NET 81,554,855.68 81,560,305.74 81,568,876.17 81,574,655.73 81,580,192.29 65,585,404.24 55,627,563.14 55,630,302.81  
  REDEEMABLE PREFERRED SHARES 100.00 100.00 100.00 100.00 100.00 100.00 100.00 100.00  
  DERIVATIVES WITH NEGATIVE FAIR VALUE HELD FOR HEDGING 2,018,559.66 2,058,022.40 3,265,131.76 2,881,822.95 4,039,279.09 5,436,903.45 4,998,876.65 7,395,317.51  
  OTHER LIABILITIES 480,876,390.59 489,640,892.91 495,688,937.83 506,515,377.03 495,525,939.62 506,124,146.66 488,934,588.31 498,342,605.39  
  TOTAL CAPITAL ACCOUNTS  1,881,587,532.24 1,891,472,297.24 1,919,750,725.62 1,933,095,687.20 1,945,854,388.70 1,972,508,651.16 2,011,180,971.01 2,029,576,010.61  
  Capital Stock 858,018,491.08 858,050,047.26 858,055,874.51 858,075,978.98 858,169,747.54 861,343,307.15 873,288,797.96 873,406,284.20  
  Retained Earnings & Undivided Profits 863,686,427.11 868,203,753.87 883,394,613.18 896,278,358.83 904,575,383.01 922,385,226.65 942,709,175.35 962,088,992.87  
  Other Comprehensive Income (19,158,046.13) (17,737,047.50) (8,330,276.61) (10,590,220.88) (5,820,845.33) 2,453,611.61 6,201,930.72 12,624,017.10  
  Appraisal Increment Reserves 2,763,628.12 2,764,813.41 2,765,998.71 2,767,184.01 2,768,369.31 2,769,554.61 2,717,384.02 2,718,569.32  
  Other Capital 176,277,032.07 180,190,730.20 183,864,515.83 186,564,386.26 186,161,734.17 183,556,951.14 186,263,682.95 178,738,147.12  
                     
Source : Department of Supervisory Analytics, Financial Supervision Sector, Bangko Sentral ng Pilipinas
Updated as of 7 October 2019