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| GOTYME BANK CORPORATION | ||||
| Published Balance Sheet | ||||
| Amounts in Philippine Pesos | ||||
| As of 31 March 2025 | ||||
| ASSETS | ||||
| Current Quarter | Previous Quarter | |||
| Cash and Cash Items | 0.00 | 0.00 | ||
| Due from Bangko Sentral ng Pilipinas | 5,827,116,793.96 | 5,978,992,008.85 | ||
| Due from Other Central Banks and Banks - Net | 2,093,021,588.17 | 1,765,657,577.41 | ||
| Financial Assets at Fair Value through Profit or Loss (FVPL) 1/ | 0.00 | 0.00 | ||
| Financial Assets at Fair Value Through Other Comprehensive Income (FVOCI) - Net | 3,475,179,222.85 | 3,203,532,135.31 | ||
| Debt Securities at Amortized Cost - Net | 15,869,722,510.25 | 10,403,280,084.55 | ||
| Loans to Bangko Sentral ng Pilipinas | 0.00 | 0.00 | ||
| Interbank Loans Receivable | 0.00 | 0.00 | ||
| Loans and Receivables - Others | 3,316,795,852.07 | 2,601,505,324.41 | ||
| Loans and Receivables Arising from RA/CA/PR/SLB | 2,142,000,000.00 | 2,455,471,331.00 | ||
| Total Loan Portfolio (TLP) - Gross | 5,458,795,852.07 | 5,056,976,655.41 | ||
| Allowance for Credit Losses 2/ | 193,413,313.87 | 101,683,487.17 | ||
| Total Loan Portfolio - Net | 5,265,382,538.20 | 4,955,293,168.24 | ||
| Equity Investment in Subsidiaries, Associates and Joint Ventures - Net | 0.00 | 0.00 | ||
| Bank Premises, Furniture, Fixture and Equipment - Net | 335,944,352.96 | 358,913,262.00 | ||
| Real and Other Properties Acquired - Net | 0.00 | 0.00 | ||
| Sales Contract Receivables - Net | 0.00 | 0.00 | ||
| Non-Current Assets Held for Sale | 0.00 | 0.00 | ||
| Other Assets - Net | 2,433,818,887.47 | 3,183,239,185.70 | ||
| Net Due from Head Office/Branches/Agencies (Philippine
branch of a foreign bank) |
0.00 | 0.00 | ||
| TOTAL ASSETS | 35,300,185,893.86 | 29,848,907,422.06 | ||
| LIABILITIES | ||||
| Financial Liabilities at Fair Value through Profit or Loss (FVPL) 3/ | 0.00 | 0.00 | ||
| Deposit Liabilities | 28,905,856,781.38 | 25,434,642,472.30 | ||
| Due to Other Banks | 0.00 | 0.00 | ||
| Bills Payable | 0.00 | 0.00 | ||
| BSP (Rediscounting and Other Advances) | 0.00 | 0.00 | ||
| Interbank Loans Payable | 0.00 | 0.00 | ||
| Other Borrowings, including Deposit Substitutes | 0.00 | 0.00 | ||
| Bonds Payable-Net | 0.00 | 0.00 | ||
| Unsecured Subordinated Debt - Net | 0.00 | 0.00 | ||
| Redeemable Preferred Shares | 0.00 | 0.00 | ||
| Other Liabilities | 3,741,095,110.05 | 2,565,839,326.85 | ||
| Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign bank) | 0.00 | 0.00 | ||
| TOTAL LIABILITIES | 32,646,951,891.43 | 28,000,481,799.15 | ||
| STOCKHOLDERS' EQUITY | ||||
| Capital Stock | 7,029,416,190.00 | 6,639,732,189.00 | ||
| Additional Paid-In Capital | 3,134,049,523.71 | 1,884,903,434.97 | ||
| Undivided Profits | (892,260,166.27) | (3,212,751,260.61) | ||
| Retained Earnings | (6,652,371,713.77) | (3,473,568,984.87) | ||
| Other Capital Accounts | 34,400,168.75 | 10,110,244.42 | ||
| Assigned Capital | 0.00 | 0.00 | ||
| TOTAL STOCKHOLDERS' EQUITY | 2,653,234,002.42 | 1,848,425,622.91 | ||
| TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY | 35,300,185,893.85 | 29,848,907,422.06 | ||
| CONTINGENT ACCOUNTS | ||||
| Guarantees Issued | 0.00 | 0.00 | ||
| Financial Standby Letters of Credit | 0.00 | 0.00 | ||
| Performance Standby Letters of Credit | 0.00 | 0.00 | ||
| Commercial Letters of Credit | 0.00 | 0.00 | ||
| Trade Related Guarantees | 0.00 | 0.00 | ||
| Commitments | 77,921,736.78 | 19,375,611.20 | ||
| Spot Foreign Exchange Contracts | 0.00 | 0.00 | ||
| Securities Held Under Custodianship by Bank Proper | 0.00 | 0.00 | ||
| Trust Department Accounts | 0.00 | 0.00 | ||
| Derivatives | 0.00 | 0.00 | ||
| Others | 0.00 | 0.00 | ||
| TOTAL CONTINGENT ACCOUNTS | 77,921,736.78 | 19,375,611.20 | ||
| FINANCIAL INDICATORS (%) | ||||
| ASSET QUALITY | ||||
| Gross Non-Performing Loans (NPL) Ratio | 2.27 | 4.05 | ||
| Net NPL Ratio | 0.42 | 3.10 | ||
| Gross NPL Coverage Ratio | 156.31 | 49.60 | ||
| Net NPL Coverage Ratio | 130.93 | 39.69 | ||
| RELATED PARTY TRANSACTIONS | ||||
| Ratio of Loans to Related Parties to gross TLP | 0.00 | 0.00 | ||
| Ratio of Non-Performing Loans to Related Parties to Total Loans to Related Parties | 0.00 | 0.00 | ||
| Ratio of DOSRI Loans to gross TLP | 0.00 | 0.00 | ||
| Ratio of Non-Performing DOSRI Loans to Total Loans to DOSRI | 0.00 | 0.00 | ||
| LIQUIDITY | ||||
| Liquidity Coverage Ratio 4/ | 657.89 | 1,564.84 | ||
| Net Stable Funding Ratio 4/ | 447.74 | 377.46 | ||
| Minimum Liquidity Ratio 5/ | 0.00 | 0.00 | ||
| PROFITABILITY | ||||
| Return on Equity (ROE) | (139.29) | (193.72) | ||
| Return on Assets | (10.69) | (14.83) | ||
| Net Interest Margin | 5.97 | 3.86 | ||
| CAPITAL ADEQUACY | ||||
| Common Equity Tier 1 Ratio | 29.66 | 21.63 | ||
| Tier 1 Capital Ratio | 29.66 | 21.63 | ||
| CAR | 30.06 | 21.92 | ||
| LEVERAGE | ||||
| Basel III Leverage Ratio 4/ | 6.63 | 5.05 | ||
| Deferred Charges not yet Written Down | 0.00 | 0.00 | ||
| 1/ This account is comprised of Financial Assets Held for Trading (HFT), Debt Securities Designated at FVPL, and Other Financial Assets Mandatorily Measured at FVPL. | ||||
| 2/ This acccount is comprised of Specific Allowance for Credit Losses and General Loan Loss Provision. | ||||
| 3/ This account is comprised of Financial Liabilities Held for Trading, and Financial Liabilities Designated at FVPL. | ||||
| 4/ Only applicable to All Universal and Commercial Banks and their subsidiary banks. | ||||
| 5/ Only applicable to All Stand-alone TBs, RBs, and CoopBanks | ||||
| Newspaper Published in: Business World | ||||
| Newspaper Published on: 19-May-2025 | ||||