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| OVERSEAS FILIPINO BANK INC A DIGITAL BANK OF LANDBANK | ||||
| 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 | 1,151,099,048.31 | 1,130,768,436.71 | ||
| Due from Other Central Banks and Banks - Net | 46,616,712.50 | 63,707,036.48 | ||
| 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 | 269,032,803.29 | 286,373,896.59 | ||
| Debt Securities at Amortized Cost - Net | 1,515,666,859.87 | 1,515,235,697.47 | ||
| Loans to Bangko Sentral ng Pilipinas | 0.00 | 0.00 | ||
| Interbank Loans Receivable | 0.00 | 0.00 | ||
| Loans and Receivables - Others | 1,709,327,576.50 | 1,741,362,255.34 | ||
| Loans and Receivables Arising from RA/CA/PR/SLB | 99,000,000.00 | 0.00 | ||
| Total Loan Portfolio (TLP) - Gross | 1,808,327,576.50 | 1,741,362,255.34 | ||
| Allowance for Credit Losses 2/ | 45,942,176.01 | 45,942,176.01 | ||
| Total Loan Portfolio - Net | 1,762,385,400.49 | 1,695,420,079.33 | ||
| Equity Investment in Subsidiaries, Associates and Joint Ventures - Net | 0.00 | 0.00 | ||
| Bank Premises, Furniture, Fixture and Equipment - Net | 145,846,658.30 | 146,387,541.08 | ||
| 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 | 247,376,881.61 | 145,684,461.59 | ||
| Net Due from Head Office/Branches/Agencies (Philippine
branch of a foreign bank) |
0.00 | 0.00 | ||
| TOTAL ASSETS | 5,138,024,364.37 | 4,983,577,149.25 | ||
| LIABILITIES | ||||
| Financial Liabilities at Fair Value through Profit or Loss (FVPL) 3/ | 0.00 | 0.00 | ||
| Deposit Liabilities | 3,473,460,925.00 | 3,423,934,428.64 | ||
| 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 | 273,489,376.33 | 194,231,353.84 | ||
| Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign bank) | 0.00 | 0.00 | ||
| TOTAL LIABILITIES | 3,746,950,301.33 | 3,618,165,782.48 | ||
| STOCKHOLDERS' EQUITY | ||||
| Capital Stock | 2,680,000,000.00 | 2,680,000,000.00 | ||
| Additional Paid-In Capital | 0.00 | 0.00 | ||
| Undivided Profits | 28,571,876.91 | 84,941,579.58 | ||
| Retained Earnings | (1,315,728,497.45) | (1,400,670,077.03) | ||
| Other Capital Accounts | (1,769,316.42) | 1,139,864.22 | ||
| Assigned Capital | 0.00 | 0.00 | ||
| TOTAL STOCKHOLDERS' EQUITY | 1,391,074,063.04 | 1,365,411,366.77 | ||
| TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY | 5,138,024,364.37 | 4,983,577,149.25 | ||
| 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 | 0.00 | 0.00 | ||
| 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 | 7.00 | 7.00 | ||
| TOTAL CONTINGENT ACCOUNTS | 7.00 | 7.00 | ||
| FINANCIAL INDICATORS (%) | ||||
| ASSET QUALITY | ||||
| Gross Non-Performing Loans (NPL) Ratio | 1.52 | 1.57 | ||
| Net NPL Ratio | 0.06 | 0.05 | ||
| Gross NPL Coverage Ratio | 166.87 | 168.25 | ||
| Net NPL Coverage Ratio | 95.97 | 96.76 | ||
| 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/ | 418.85 | 401.27 | ||
| Net Stable Funding Ratio 4/ | 172.66 | 173.86 | ||
| Minimum Liquidity Ratio 5/ | 0.00 | 0.00 | ||
| PROFITABILITY | ||||
| Return on Equity (ROE) | 8.29 | 6.42 | ||
| Return on Assets | 2.45 | 1.70 | ||
| Net Interest Margin | 4.14 | 3.37 | ||
| CAPITAL ADEQUACY | ||||
| Common Equity Tier 1 Ratio | 50.80 | 52.61 | ||
| Tier 1 Capital Ratio | 50.80 | 52.61 | ||
| CAR | 51.53 | 53.37 | ||
| LEVERAGE | ||||
| Basel III Leverage Ratio 4/ | 26.73 | 27.03 | ||
| 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: The Manila Times | ||||
| Newspaper Published on: 09-May-2025 | ||||