25 Selected Performance Indicators          
             
             
  Universal 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 2.01 2.02 2.01 2.02  
  Past Due Loans 163,541,718.15 165,017,571.39 165,340,595.86 168,637,550.97  
  Total Loan Portfolio (TLP), gross  8,125,167,280.49 8,151,928,059.26 8,209,259,466.51 8,338,574,441.75  
  RL to TLP 0.36 0.37 0.37 0.35  
  Restructured Loans (RL), gross 28,905,505.66 29,976,768.31 30,120,706.34 29,214,071.20  
  TLP, gross  8,125,167,280.49 8,151,928,059.26 8,209,259,466.51 8,338,574,441.75  
  Loan Loss Reserves (LLR) to TLP 1.68 1.72 1.74 1.71  
  Allowance for Credit Losses (ACL) - TLP 136,286,907.94 139,969,328.52 142,494,241.42 142,475,836.31  
  TLP, gross  8,125,167,280.49 8,151,928,059.26 8,209,259,466.51 8,338,574,441.75  
  Gross NPL Ratio 1.48 1.56 1.50 1.57  
  Gross Non-Performing Loans (NPL) 120,403,322.66 127,082,282.48 123,526,991.21 130,838,447.40  
  TLP, gross  8,125,167,280.49 8,151,928,059.26 8,209,259,466.51 8,338,574,441.75  
  Gross NPL Ratio, net of IBL 1.51 1.59 1.54 1.61  
  Gross NPL, net of NP IBL 119,768,514.37 126,446,558.58 122,867,545.07 130,160,002.29  
  (1) Gross NPL 120,403,322.66 127,082,282.48 123,526,991.21 130,838,447.40  
  (2) Non-performing IBL 634,808.29 635,723.90 659,446.14 678,445.11  
  TLP, gross net of IBL 7,939,471,444.91 7,946,473,657.74 7,990,483,580.07 8,101,566,876.05  
  (1) TLP, gross 8,125,167,280.49 8,151,928,059.26 8,209,259,466.51 8,338,574,441.75  
  (2) Interbank Loans Receivables (IBL) 185,695,835.58 205,454,401.52 218,775,886.44 237,007,565.69  
  Net NPL Ratio1/ 0.73 0.78 0.69 0.76  
  NPL, net of Specific ACL1/ 59,546,099.58 63,194,181.69 56,378,881.45 63,041,162.48  
  (1) Gross NPL 120,403,322.66 127,082,282.48 123,526,991.21 130,838,447.40  
  (2) Specific ACL 60,857,223.07 63,888,100.79 67,148,109.76 67,797,284.92  
  TLP, gross  8,125,167,280.49 8,151,928,059.26 8,209,259,466.51 8,338,574,441.75  
  NPL Coverage Ratio 113.19 110.14 115.35 108.89  
  ACL - TLP 136,286,907.94 139,969,328.52 142,494,241.42 142,475,836.31  
  Gross NPL 120,403,322.66 127,082,282.48 123,526,991.21 130,838,447.40  
  NPA to Gross Assets  1.34 1.37 1.32 1.36  
  Non-Performing Assets (NPA) 187,486,821.23 194,263,273.21 190,684,465.71 198,127,976.20  
  (1) Gross NPL 120,403,322.66 127,082,282.48 123,526,991.21 130,838,447.40  
  (2) ROPA, gross 67,083,498.57 67,180,990.73 67,157,474.50 67,289,528.80  
  (a) Real and Other Properties Acquired (ROPA) 61,926,696.50 62,161,205.09 62,162,065.28 62,157,805.39  
  (b) Non-Current Assets Held for Sale 2,146,192.68 2,125,022.99 2,148,976.87 2,120,925.70  
  (c) Non-Performing Sales Contract Receivables (SCR) 3,010,609.39 2,894,762.64 2,846,432.35 3,010,797.71  
  Gross Assets 14,030,406,628.53 14,137,939,699.95 14,475,576,209.82 14,538,216,802.37  
  (1) Total Assets 13,874,108,837.88 13,977,272,235.43 14,312,342,792.59 14,374,968,625.91  
  (2) Allowance on NPA 156,297,790.65 160,667,464.52 163,233,417.24 163,248,176.46  
  NPA Coverage Ratio 83.36 82.71 85.60 82.40  
  Allowance on NPA 156,297,790.65 160,667,464.52 163,233,417.24 163,248,176.46  
  NPA 187,486,821.23 194,263,273.21 190,684,465.71 198,127,976.20  
  Distressed Assets Ratio 2.45 2.53 2.46 2.50  
  Distressed Assets 200,782,174.03 208,583,923.52 203,574,379.84 210,357,506.46  
  NPA 187,486,821.23 194,263,273.21 190,684,465.71 198,127,976.20  
  RL, Performing 13,295,352.80 14,320,650.31 12,889,914.13 12,229,530.26  
  TLP, gross  8,125,167,280.49 8,151,928,059.26 8,209,259,466.51 8,338,574,441.75  
  Total ROPA 79,871,530.49 79,993,630.49 76,134,607.64 76,016,623.32  
  (1) ROPA, gross 67,083,498.57 67,180,990.73 67,157,474.50 67,289,528.80  
  (2) Performing SCR 12,788,031.91 12,812,639.77 8,977,133.14 8,727,094.52  
  LIQUIDITY RATIOS  
  (1) Cash and Due from Banks to Deposits 18.80 19.40 19.71 18.85  
  Cash and Due from Banks   1,979,558,351.18 2,053,774,565.73 2,109,352,836.59 2,026,414,299.52  
  Deposits 10,529,561,318.51 10,585,617,018.02 10,702,494,629.54 10,748,952,374.46  
  (2) Liquid Assets to Deposits Ratio 48.00 48.55 50.52 49.74  
  Liquid Assets, sum of: 5,054,205,068.68 5,139,403,639.95 5,406,661,071.34 5,346,342,881.95  
  (1) Cash and Due from Banks 1,979,558,351.18 2,053,774,565.73 2,109,352,836.59 2,026,414,299.52  
  (2) Financial Assets, net (excl. equity investments) 3,074,646,717.49 3,085,629,074.22 3,297,308,234.75 3,319,928,582.43  
  Deposits 10,529,561,318.51 10,585,617,018.02 10,702,494,629.54 10,748,952,374.46  
  (3) Loans (gross) to Deposits 77.17 77.01 76.70 77.58  
  Loans (gross) 8,125,167,280.49 8,151,928,059.26 8,209,259,466.51 8,338,574,441.75  
  Deposits 10,529,561,318.51 10,585,617,018.02 10,702,494,629.54 10,748,952,374.46  
  SELECTED PROFITABILITY RATIOS  
  (1)  Return on Assets (ROA) 1.17  
  Annualized Net Profit or Loss  159,003,179.27  
  Average Assets 13,562,301,200.37  
  Total Assets (last year) 12,812,259,608.14  
  Total Assets (current year) 14,312,342,792.59  
  (2) Return on Equity (ROE) 10.01  
  Annualized Net Profit or Loss  159,003,179.27  
  Average Capital 1,587,916,424.00  
  Total Capital (last year) 1,441,630,478.74  
  Total Capital (current year) 1,734,202,369.26  
  (3) Earning Asset Yield 4.64  
  Annualized Interest Income 587,451,932.11  
  Average Earning Assets 12,658,777,544.86  
  Earning Assets (last year) 11,952,111,267.57  
  Earning Assets (current year) 13,365,443,822.15  
  (4) Funding Cost 1.55  
  Annualized Interest Expense 177,730,745.18  
  Average Interest Bearing Liabilities 11,452,248,726.36  
  Interest Bearing Liabilities (last year) 10,883,547,296.77  
  Interest Bearing Liabilities (current year) 12,020,950,155.95  
  (5) Interest Spread 3.09  
  (3) Earning Asset Yield 4.64  
  (4) Funding Cost 1.55  
  (6) Net Interest Margin 3.24  
  Annualized Net Interest Income 409,593,266.24  
  Average Earning Assets 12,658,777,544.86  
  (7) Cost to Income Ratio 62.45  
  Annualized Non-Interest Expenses 329,479,071.19  
  Annualized Total Operating Income 527,550,107.19  
  (8) Net Interest Income to Total Operating Income 77.64  
  Annualized Net Interest Income  409,593,266.24  
  Annualized Total Operating Income 527,550,107.19  
  (9) Non-interest Income to Total Operating Income 22.36  
  Annualized Non-Interest Income 117,956,840.95  
  Annualized Total Operating Income 527,550,107.19  
  CAPITAL ADEQUACY  
  Capital Adequacy Ratio - Solo /p 14.53  
  Capital Adequacy Ratio - Conso p/ 15.37  
  Total Capital Accounts to Total Assets 12.30 12.25 12.12 12.13  
             
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