12 Balance Sheet                
                   
                   
  Universal and Commercial Bank Group                
  as of end of periods indicated                
  amounts in thousand Pesos                
                   
   
  Selected Accounts Jan-21 Feb-21 Mar-21 Apr-21 May-21 Jun-21 Jul-21  
   
  TOTAL ASSETS  17,785,979,299.63 17,935,831,051.89 18,047,073,270.17 17,980,226,422.49 18,090,993,036.76 18,328,262,618.45 18,310,897,133.63  
  CASH AND DUE FROM BANKS 3,327,353,749.64 3,352,020,230.93 3,294,977,442.35 3,147,190,841.01 3,131,282,951.39 3,213,130,107.41 3,064,698,462.54  
  TLP (INCLUSIVE OF IBL AND RRPs) , NET  9,352,027,697.93 9,314,841,792.52 9,392,288,900.10 9,386,488,020.90 9,411,031,015.48 9,495,633,498.17 9,523,995,580.98  
  Total Loan Portfolio (TLP), gross  9,677,765,769.42 9,642,133,913.08 9,718,022,914.86 9,715,752,028.19 9,745,001,716.41 9,843,687,680.12 9,875,518,567.04  
  (a) Interbank Loans Receivable (IBL) 295,481,674.11 298,265,103.10 305,161,516.27 306,351,128.27 331,761,889.05 316,359,836.44 348,581,388.99  
  (b) Total Reverse Repurchase (RRPs) 360,286,243.08 332,354,912.68 363,523,362.36 336,421,777.55 328,341,921.66 357,874,475.66 334,047,857.67  
  of which:  
  Reverse Repurchase (RRPs) with BSP 271,365,597.91 270,538,456.34 274,281,305.15 279,227,386.96 280,855,121.28 281,133,555.94 277,739,083.20  
  Reverse Repurchase (RRPs) with Other Banks 39,226,122.72 35,127,453.70 59,090,364.67 30,201,961.13 25,512,687.72 53,331,323.19 27,076,254.91  
  (c) Loans and Receivable - Others, net of amortization 9,021,997,852.22 9,011,513,897.31 9,049,338,036.24 9,072,979,122.36 9,084,897,905.70 9,169,453,368.02 9,192,889,320.38  
  Allowance for Credit Losses  325,738,071.48 327,292,120.56 325,734,014.77 329,264,007.29 333,970,700.93 348,054,181.95 351,522,986.06  
  TLP, gross (exclusive of IBL) 9,382,284,095.30 9,343,868,809.99 9,412,861,398.59 9,409,400,899.91 9,413,239,827.36 9,527,327,843.69 9,526,937,178.05  
  TLP, gross (exclusive of IBL and RRP with BSP and Other Banks) 9,071,692,374.67 9,038,202,899.95 9,079,489,728.78 9,099,971,551.82 9,106,872,018.36 9,192,862,964.56 9,222,121,839.94  
  TOTAL INVESTMENTS, NET 4,443,961,749.66 4,595,209,961.97 4,723,551,464.23 4,809,910,548.17 4,909,317,430.97 4,994,147,719.86 5,075,783,019.49  
  (A) Financial Assets, net (Portfolio Investments) 4,172,901,802.85 4,322,312,412.51 4,449,770,850.34 4,534,806,622.31 4,645,882,826.97 4,725,336,840.59 4,805,198,909.11  
  Financial Assets, gross (net of amortization) 4,160,194,527.95 4,326,452,681.05 4,463,772,297.48 4,543,413,018.25 4,649,749,709.36 4,724,561,066.18 4,804,419,890.62  
  (1) Financial Assets Held for Trading (HFT) 307,327,965.39 336,766,666.31 318,412,785.56 323,135,052.20 325,552,479.99 366,397,602.16 368,919,569.59  
  (2) Financial Assets DFVPL 3,488,793.75 3,790,030.13 4,181,519.21 3,506,305.33 3,932,540.47 4,703,363.18 3,530,210.35  
  (3) Available-for-Sale (AFS) Financial Assets 1,964,515,348.77 2,035,870,149.80 2,187,911,574.32 2,238,167,052.03 2,302,641,536.48 2,261,064,517.05 2,264,057,722.32  
  (4) Held-to-Maturity (HTM) Financial Assets 1,884,862,420.04 1,950,025,834.80 1,953,266,418.39 1,978,604,608.69 2,017,623,152.42 2,092,395,583.79 2,167,912,388.37  
  (5) Unquoted Debt Securities Classified as Loans 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  
  Accumulated Market Gains/Losses  32,023,521.15 15,445,872.15 5,697,533.24 10,990,573.58 15,891,064.23 20,937,265.87 21,075,552.08  
  Allowance for Credit Losses  19,316,246.25 19,586,140.68 19,698,980.38 19,596,969.51 19,757,946.62 20,161,491.46 20,296,533.58  
  (B) Equity Investment in Subsidiaries/Associates/Joint Ventures, net (Direct Investments) 271,059,946.82 272,897,549.46 273,780,613.90 275,103,925.86 263,434,604.00 268,810,879.27 270,584,110.37  
  ROPA, NET 66,550,330.76 66,264,330.86 66,900,817.53 67,215,820.12 66,764,023.43 66,806,660.22 68,401,065.72  
  Real and Other Properties Acquired (ROPA), gross 94,430,756.79 94,109,564.84 94,699,415.12 95,393,592.34 95,179,784.73 95,559,513.75 96,734,590.71  
  of which:  
  (1) Sales Contract Receivables, Gross 11,451,421.46 11,370,029.99 11,035,889.04 11,135,777.43 11,126,016.32 10,969,236.40 11,000,327.44  
  (a) Performing 7,519,069.14 7,441,821.88 6,910,374.76 7,105,207.30 7,081,895.72 7,247,280.72 7,316,294.53  
  (b) Non-Performing 3,932,352.32 3,928,208.11 4,125,514.28 4,030,570.13 4,044,120.60 3,721,955.69 3,684,032.92  
  Sales Contract Receivables, Net 10,949,083.41 10,868,008.96 10,537,330.37 10,642,549.18 10,633,332.90 10,471,796.50 10,499,812.62  
  (2) Non-Current Assets Held for Sale, Gross 6,079,952.45 5,964,247.49 6,517,865.33 6,507,654.71 6,497,839.58 11,293,687.41 11,801,747.98  
  Non-Current Assets Held for Sale, net 4,832,295.84 4,787,211.16 5,352,133.63 5,329,027.44 5,340,938.63 8,775,432.03 9,822,161.62  
  Unamortized Discount and Other Deferred Credits 52,741.69 52,587.15 62,322.33 62,552.90 66,887.62 57,750.94 71,248.10  
  Accummulated Depreciation 16,527,369.26 16,665,946.59 17,078,534.34 17,417,030.59 17,488,053.64 16,831,199.11 16,785,458.40  
  Allowance for Losses 11,300,315.08 11,126,700.24 10,657,740.91 10,698,188.74 10,860,820.03 11,863,903.48 11,476,818.49  
  OTHER ASSETS 596,085,771.64 607,494,735.61 569,354,645.96 569,421,192.30 572,597,615.49 558,544,632.79 578,019,004.90  
  LIABILITIES AND CAPITAL  
  LIABILITIES 15,564,102,753.30 15,695,245,297.92 15,803,918,469.74 15,719,328,236.93 15,810,782,450.67 16,039,611,261.12 16,002,650,990.72  
  FINANCIAL LIABILITIES HFT 41,999,271.66 41,032,493.92 38,705,221.73 41,294,386.57 46,744,233.87 42,043,534.09 52,935,474.99  
  FINANCIAL LIABILITIES DFVPL 0.00 0.00 0.00 0.00 0.00 0.00 0.00  
  DEPOSIT LIABILITIES 13,723,897,743.86 13,803,008,804.01 13,946,623,914.18 13,958,024,036.68 14,001,047,308.33 14,198,973,571.01 14,219,755,582.73  
  Peso Liabilities 11,557,162,304.05 11,653,039,642.55 11,805,260,595.40 11,786,576,599.77 11,834,224,172.61 11,989,741,569.80 11,946,907,367.94  
  Demand and NOW 3,918,136,632.27 3,992,947,225.28 4,073,598,875.81 4,096,408,670.26 4,156,238,862.31 4,256,281,429.29 4,226,267,224.22  
  Savings 5,482,860,062.75 5,572,884,333.50 5,648,436,361.18 5,657,592,863.44 5,699,745,845.63 5,751,761,251.23 5,762,324,495.59  
  Time 1,959,169,540.65 1,890,203,374.80 1,886,212,758.32 1,841,553,547.89 1,787,208,895.90 1,790,659,366.37 1,767,267,029.02  
  LTNCD 196,996,068.38 197,004,708.98 197,012,600.09 191,021,518.17 191,030,568.77 191,039,522.90 191,048,619.11  
  Foreign Currency 2,166,735,439.81 2,149,969,161.35 2,141,363,318.77 2,171,447,436.91 2,166,823,135.71 2,209,232,001.21 2,272,848,214.78  
  Demand and NOW 84,076,727.25 70,634,094.04 79,918,785.68 71,866,484.71 70,237,162.83 73,369,339.76 77,776,128.60  
  Savings 1,169,798,171.53 1,186,753,007.61 1,188,049,907.24 1,234,161,370.63 1,232,876,778.76 1,241,378,639.72 1,276,770,034.02  
  Time 912,860,541.04 892,582,059.70 873,394,625.86 865,419,581.57 863,709,194.12 894,484,021.74 918,302,052.16  
  LTNCD 0.00 0.00 0.00 0.00 0.00 0.00 0.00  
  DUE TO BANKS/OTHERS 131,325,455.95 140,862,571.69 160,061,167.92 133,929,928.18 171,719,626.18 170,180,365.88 116,761,191.59  
  BILLS PAYABLE 414,553,511.10 392,412,633.45 395,173,817.04 330,137,332.81 333,904,652.93 388,627,008.69 363,483,588.01  
  BONDS PAYABLE 670,534,695.40 678,093,192.06 695,297,332.85 693,112,382.85 677,072,849.36 676,269,138.29 679,389,703.89  
  UNSECURED SUBORDINATED DEBT, NET 24,938,375.83 19,959,767.25 19,959,936.69 19,960,101.02 19,960,271.31 19,960,436.35 19,960,607.25  
  REDEEMABLE PREFERRED SHARES 100.00 100.00 100.00 100.00 100.00 100.00 100.00  
  DERIVATIVES WITH NEGATIVE FAIR VALUE HELD FOR HEDGING 722,692.31 574,964.55 492,333.79 510,034.27 531,269.26 503,616.46 561,082.01  
  OTHER LIABILITIES 556,130,907.17 619,300,770.99 547,604,645.55 542,359,934.55 559,802,139.43 543,053,490.35 549,803,660.27  
  TOTAL CAPITAL ACCOUNTS  2,221,876,546.33 2,240,585,753.96 2,243,154,800.43 2,260,898,185.56 2,280,210,586.09 2,288,651,357.33 2,308,246,142.91  
  Capital Stock 901,903,312.67 941,925,211.71 941,999,088.04 942,014,948.44 942,229,955.65 942,277,762.46 946,741,650.72  
  Retained Earnings & Undivided Profits 1,117,781,332.25 1,111,956,196.83 1,123,261,013.62 1,135,257,382.17 1,148,807,038.89 1,151,335,603.63 1,165,380,838.35  
  Other Comprehensive Income (14,979,282.07) (30,769,905.96) (40,501,137.73) (35,652,532.00) (30,504,523.88) (24,635,696.31) (23,611,980.10)  
  Appraisal Increment Reserves 2,437,496.69 2,438,297.49 2,439,298.49 2,530,005.05 2,531,006.05 2,532,007.06 2,533,008.06  
  Other Capital 214,733,686.79 215,035,953.90 215,956,538.01 216,748,381.91 217,147,109.37 217,141,680.50 217,202,625.89  
                   
Source : Department of Supervisory Analytics, Financial Supervision Sector, Bangko Sentral ng Pilipinas
Updated as of 9 September 2021