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  
   
  ASSET QUALITY RATIOS:   
  Past Due Ratio 2.07 2.08  
  Past Due Loans 182,820,282.06 183,919,318.26  
  Total Loan Portfolio (TLP), gross  8,852,483,686.55 8,844,773,742.10  
  RL to TLP 0.36 0.37  
  Restructured Loans (RL), gross 31,505,750.07 32,819,012.29  
  TLP, gross  8,852,483,686.55 8,844,773,742.10  
  Loan Loss Reserves (LLR) to TLP 1.72 1.77  
  Allowance for Credit Losses (ACL) - TLP 152,456,702.96 156,200,409.68  
  TLP, gross  8,852,483,686.55 8,844,773,742.10  
  Gross NPL Ratio 1.48 1.56  
  Gross Non-Performing Loans (NPL) 131,356,390.44 138,122,140.07  
  TLP, gross  8,852,483,686.55 8,844,773,742.10  
  Gross NPL Ratio, net of IBL 1.52 1.60  
  Gross NPL, net of NP IBL 130,721,582.16 137,486,416.16  
  (1) Gross NPL 131,356,390.44 138,122,140.07  
  (2) Non-performing IBL 634,808.29 635,723.90  
  TLP, gross net of IBL 8,619,532,513.98 8,589,717,252.94  
  (1) TLP, gross 8,852,483,686.55 8,844,773,742.10  
  (2) Interbank Loans Receivables (IBL) 232,951,172.57 255,056,489.16  
  Net NPL Ratio1/ 0.72 0.76  
  NPL, net of Specific ACL1/ 63,323,716.53 67,057,501.90  
  (1) Gross NPL 131,356,390.44 138,122,140.07  
  (2) Specific ACL 68,032,673.91 71,064,638.17  
  TLP, gross  8,852,483,686.55 8,844,773,742.10  
  NPL Coverage Ratio 116.06 113.09  
  ACL - TLP 152,456,702.96 156,200,409.68  
  Gross NPL 131,356,390.44 138,122,140.07  
  NPA to Gross Assets  1.36 1.39  
  Non-Performing Assets (NPA) 207,136,866.07 213,996,148.85  
  (1) Gross NPL 131,356,390.44 138,122,140.07  
  (2) ROPA, gross 75,780,475.63 75,874,008.78  
  (a) Real and Other Properties Acquired (ROPA) 70,152,825.64 70,382,579.44  
  (b) Non-Current Assets Held for Sale 2,201,252.30 2,180,082.62  
  (c) Non-Performing Sales Contract Receivables (SCR) 3,426,397.68 3,311,346.73  
  Gross Assets 15,281,137,940.99 15,370,810,240.00  
  (1) Total Assets 15,106,636,107.22 15,191,875,499.73  
  (2) Allowance on NPA 174,501,833.78 178,934,740.27  
  NPA Coverage Ratio 84.24 83.62  
  Allowance on NPA 174,501,833.78 178,934,740.27  
  NPA 207,136,866.07 213,996,148.85  
  Distressed Assets Ratio 2.48 2.57  
  Distressed Assets 221,365,313.69 229,389,420.04  
  NPA 207,136,866.07 213,996,148.85  
  RL, Performing 14,228,447.62 15,393,271.19  
  TLP, gross  8,852,483,686.55 8,844,773,742.10  
  Total ROPA 89,246,033.08 89,362,528.33  
  (1) ROPA, gross 75,780,475.63 75,874,008.78  
  (2) Performing SCR 13,465,557.45 13,488,519.55  
  LIQUIDITY RATIOS  
  (1) Cash and Due from Banks to Deposits 19.06 19.78  
  Cash and Due from Banks   2,170,341,352.51 2,259,470,371.16  
  Deposits 11,389,116,309.37 11,422,295,228.07  
  (2) Liquid Assets to Deposits Ratio 48.47 49.23  
  Liquid Assets, sum of: 5,520,113,986.18 5,623,345,626.01  
  (1) Cash and Due from Banks 2,170,341,352.51 2,259,470,371.16  
  (2) Financial Assets, net (excl. equity investments) 3,349,772,633.66 3,363,875,254.86  
  Deposits 11,389,116,309.37 11,422,295,228.07  
  (3) Loans (gross) to Deposits 77.73 77.43  
  Loans (gross) 8,852,483,686.55 8,844,773,742.10  
  Deposits 11,389,116,309.37 11,422,295,228.07  
  SELECTED PROFITABILITY RATIOS  
  (1)  Return on Assets (ROA)  
  Annualized Net Profit or Loss   
  Average Assets  
  Total Assets (last year)  
  Total Assets (current year)  
  (2) Return on Equity (ROE)  
  Annualized Net Profit or Loss   
  Average Capital  
  Total Capital (last year)  
  Total Capital (current year)  
  (3) Earning Asset Yield  
  Annualized Interest Income  
  Average Earning Assets  
  Earning Assets (last year)  
  Earning Assets (current year)  
  (4) Funding Cost  
  Annualized Interest Expense  
  Average Interest Bearing Liabilities  
  Interest Bearing Liabilities (last year)  
  Interest Bearing Liabilities (current year)  
  (5) Interest Spread  
  (3) Earning Asset Yield  
  (4) Funding Cost  
  (6) Net Interest Margin  
  Annualized Net Interest Income  
  Average Earning Assets  
  (7) Cost to Income Ratio  
  Annualized Non-Interest Expenses  
  Annualized Total Operating Income  
  (8) Net Interest Income to Total Operating Income  
  Annualized Net Interest Income   
  Annualized Total Operating Income  
  (9) Non-interest Income to Total Operating Income  
  Annualized Non-Interest Income  
  Annualized Total Operating Income  
  CAPITAL ADEQUACY  
  Capital Adequacy Ratio - Solo  
  Capital Adequacy Ratio - Conso  
  Total Capital Accounts to Total Assets 12.46 12.45  
         
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 4 April 2019