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-19 Feb-19 Mar-19 Apr-19  
   
  ASSET QUALITY RATIOS:   
  Past Due Ratio 2.07 2.08 2.07 2.08  
  Past Due Loans 182,820,282.06 183,919,318.26 184,969,009.08 188,854,130.54  
  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  
  RL to TLP 0.36 0.37 0.38 0.35  
  Restructured Loans (RL), gross 31,505,750.07 32,819,012.29 34,107,442.23 32,191,000.85  
  TLP, gross  8,852,483,686.55 8,844,773,742.10 8,918,521,799.86 9,086,614,591.47  
  Loan Loss Reserves (LLR) to TLP 1.72 1.77 1.78 1.74  
  Allowance for Credit Losses (ACL) - TLP 152,456,702.96 156,200,409.68 158,378,876.14 158,305,299.28  
  TLP, gross  8,852,483,686.55 8,844,773,742.10 8,918,521,799.86 9,086,614,591.47  
  Gross NPL Ratio 1.48 1.56 1.51 1.56  
  Gross Non-Performing Loans (NPL) 131,356,390.44 138,122,140.07 134,564,193.77 141,777,741.87  
  TLP, gross  8,852,483,686.55 8,844,773,742.10 8,918,521,799.86 9,086,614,591.47  
  Gross NPL Ratio, net of IBL 1.52 1.60 1.55 1.60  
  Gross NPL, net of NP IBL 130,721,582.16 137,486,416.16 133,904,747.63 141,099,296.76  
  (1) Gross NPL 131,356,390.44 138,122,140.07 134,564,193.77 141,777,741.87  
  (2) Non-performing IBL 634,808.29 635,723.90 659,446.14 678,445.11  
  TLP, gross net of IBL 8,619,532,513.98 8,589,717,252.94 8,660,695,902.69 8,792,877,574.62  
  (1) TLP, gross 8,852,483,686.55 8,844,773,742.10 8,918,521,799.86 9,086,614,591.47  
  (2) Interbank Loans Receivables (IBL) 232,951,172.57 255,056,489.16 257,825,897.17 293,737,016.84  
  Net NPL Ratio1/ 0.72 0.76 0.67 0.73  
  NPL, net of Specific ACL1/ 63,323,716.53 67,057,501.90 60,169,405.94 66,730,371.92  
  (1) Gross NPL 131,356,390.44 138,122,140.07 134,564,193.77 141,777,741.87  
  (2) Specific ACL 68,032,673.91 71,064,638.17 74,394,787.83 75,047,369.96  
  TLP, gross  8,852,483,686.55 8,844,773,742.10 8,918,521,799.86 9,086,614,591.47  
  NPL Coverage Ratio 116.06 113.09 117.70 111.66  
  ACL - TLP 152,456,702.96 156,200,409.68 158,378,876.14 158,305,299.28  
  Gross NPL 131,356,390.44 138,122,140.07 134,564,193.77 141,777,741.87  
  NPA to Gross Assets  1.36 1.39 1.34 1.38  
  Non-Performing Assets (NPA) 207,136,866.07 213,996,148.85 210,416,344.39 217,897,621.37  
  (1) Gross NPL 131,356,390.44 138,122,140.07 134,564,193.77 141,777,741.87  
  (2) ROPA, gross 75,780,475.63 75,874,008.78 75,852,150.62 76,119,879.49  
  (a) Real and Other Properties Acquired (ROPA) 70,152,825.64 70,382,579.44 70,340,715.58 70,489,824.59  
  (b) Non-Current Assets Held for Sale 2,201,252.30 2,180,082.62 2,203,736.49 2,175,685.33  
  (c) Non-Performing Sales Contract Receivables (SCR) 3,426,397.68 3,311,346.73 3,307,698.55 3,454,369.58  
  Gross Assets 15,281,137,940.99 15,370,810,240.00 15,700,739,193.70 15,769,302,086.13  
  (1) Total Assets 15,106,636,107.22 15,191,875,499.73 15,519,618,695.60 15,588,202,738.05  
  (2) Allowance on NPA 174,501,833.78 178,934,740.27 181,120,498.09 181,099,348.08  
  NPA Coverage Ratio 84.24 83.62 86.08 83.11  
  Allowance on NPA 174,501,833.78 178,934,740.27 181,120,498.09 181,099,348.08  
  NPA 207,136,866.07 213,996,148.85 210,416,344.39 217,897,621.37  
  Distressed Assets Ratio 2.48 2.57 2.50 2.52  
  Distressed Assets 221,365,313.69 229,389,420.04 225,513,137.16 231,330,155.08  
  NPA 207,136,866.07 213,996,148.85 210,416,344.39 217,897,621.37  
  RL, Performing 14,228,447.62 15,393,271.19 15,096,792.77 13,432,533.71  
  TLP, gross  8,852,483,686.55 8,844,773,742.10 8,918,521,799.86 9,086,614,591.47  
  Total ROPA 89,246,033.08 89,362,528.33 85,419,035.67 85,430,496.23  
  (1) ROPA, gross 75,780,475.63 75,874,008.78 75,852,150.62 76,119,879.49  
  (2) Performing SCR 13,465,557.45 13,488,519.55 9,566,885.05 9,310,616.74  
  LIQUIDITY RATIOS  
  (1) Cash and Due from Banks to Deposits 19.06 19.78 20.09 18.96  
  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  
  Deposits 11,389,116,309.37 11,422,295,228.07 11,531,099,496.83 11,576,935,905.51  
  (2) Liquid Assets to Deposits Ratio 48.47 49.23 50.83 49.84  
  Liquid Assets, sum of: 5,520,113,986.18 5,623,345,626.01 5,860,773,914.97 5,769,789,676.54  
  (1) 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) Financial Assets, net (excl. equity investments) 3,349,772,633.66 3,363,875,254.86 3,544,674,664.57 3,575,184,458.49  
  Deposits 11,389,116,309.37 11,422,295,228.07 11,531,099,496.83 11,576,935,905.51  
  (3) Loans (gross) to Deposits 77.73 77.43 77.34 78.49  
  Loans (gross) 8,852,483,686.55 8,844,773,742.10 8,918,521,799.86 9,086,614,591.47  
  Deposits 11,389,116,309.37 11,422,295,228.07 11,531,099,496.83 11,576,935,905.51  
  SELECTED PROFITABILITY RATIOS  
  (1)  Return on Assets (ROA) 1.15  
  Annualized Net Profit or Loss  169,703,411.11  
  Average Assets 14,724,537,273.13  
  Total Assets (last year) 13,929,455,850.66  
  Total Assets (current year) 15,519,618,695.60  
  (2) Return on Equity (ROE) 9.64  
  Annualized Net Profit or Loss  169,703,411.11  
  Average Capital 1,760,026,108.57  
  Total Capital (last year) 1,600,301,491.52  
  Total Capital (current year) 1,919,750,725.62  
  (3) Earning Asset Yield 4.71  
  Annualized Interest Income 648,185,898.52  
  Average Earning Assets 13,768,250,469.30  
  Earning Assets (last year) 13,022,149,572.04  
  Earning Assets (current year) 14,514,351,366.56  
  (4) Funding Cost 1.57  
  Annualized Interest Expense 193,510,278.99  
  Average Interest Bearing Liabilities 12,322,480,826.49  
  Interest Bearing Liabilities (last year) 11,730,895,473.55  
  Interest Bearing Liabilities (current year) 12,914,066,179.42  
  (5) Interest Spread 3.14  
  (3) Earning Asset Yield 4.71  
  (4) Funding Cost 1.57  
  (6) Net Interest Margin 3.29  
  Annualized Net Interest Income 453,415,205.68  
  Average Earning Assets 13,768,250,469.30  
  (7) Cost to Income Ratio 62.75  
  Annualized Non-Interest Expenses 369,275,166.90  
  Annualized Total Operating Income 588,452,662.44  
  (8) Net Interest Income to Total Operating Income 77.05  
  Annualized Net Interest Income  453,415,205.68  
  Annualized Total Operating Income 588,452,662.44  
  (9) Non-interest Income to Total Operating Income 22.95  
  Annualized Non-Interest Income 135,037,456.76  
  Annualized Total Operating Income 588,452,662.44  
  CAPITAL ADEQUACY  
  Capital Adequacy Ratio - Solo /p 15.06  
  Capital Adequacy Ratio - Conso p/ 15.78  
  Total Capital Accounts to Total Assets 12.46 12.45 12.37 12.40  
             
1/ Starting September 2017, Net NPLs refer to gross NPLs less specific allowance for credit losses on NPLs per BSP Circular No. 941
p/ Preliminary
Source : Supervisory Data Center, Financial Supervision Sector, Bangko Sentral ng Pilipinas
Updated as of 7 June 2019