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| TONIK DIGITAL BANK INC | ||||
| Published Balance Sheet | ||||
| Amounts in Philippine Pesos | ||||
| As of 31 December 2024 | ||||
| ASSETS | ||||
| Current Quarter | Previous Quarter | |||
| Cash and Cash Items | 0.00 | 0.00 | ||
| Due from Bangko Sentral ng Pilipinas | 2,634,771,338.00 | 2,353,626,338.00 | ||
| Due from Other Central Banks and Banks - Net | 284,468,337.00 | 66,932,196.00 | ||
| 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 | 0.00 | 0.00 | ||
| Debt Securities at Amortized Cost - Net | 1,241,275,219.00 | 2,383,389,399.00 | ||
| Loans to Bangko Sentral ng Pilipinas | 0.00 | 0.00 | ||
| Interbank Loans Receivable | 0.00 | 0.00 | ||
| Loans and Receivables - Others | 2,363,401,901.00 | 1,961,308,558.00 | ||
| Loans and Receivables Arising from RA/CA/PR/SLB | 0.00 | 455,000,000.00 | ||
| Total Loan Portfolio (TLP) - Gross | 2,363,401,901.00 | 2,416,308,558.00 | ||
| Allowance for Credit Losses 2/ | 260,046,668.00 | 207,091,511.00 | ||
| Total Loan Portfolio - Net | 2,103,355,233.00 | 2,209,217,047.00 | ||
| Equity Investment in Subsidiaries, Associates and Joint Ventures - Net | 0.00 | 0.00 | ||
| Bank Premises, Furniture, Fixture and Equipment - Net | 63,673,087.00 | 73,116,693.00 | ||
| 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 | 1,393,027,669.00 | 1,399,566,733.00 | ||
| Net Due from Head Office/Branches/Agencies (Philippine
branch of a foreign bank) |
0.00 | 0.00 | ||
| TOTAL ASSETS | 7,720,570,883.00 | 8,485,848,406.00 | ||
| LIABILITIES | ||||
| Financial Liabilities at Fair Value through Profit or Loss (FVPL) 3/ | 0.00 | 0.00 | ||
| Deposit Liabilities | 5,766,070,828.00 | 6,030,645,909.00 | ||
| 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 | 263,738,121.00 | 545,985,792.00 | ||
| Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign bank) | 0.00 | 0.00 | ||
| TOTAL LIABILITIES | 6,029,808,949.00 | 6,576,631,701.00 | ||
| STOCKHOLDERS' EQUITY | ||||
| Capital Stock | 460,780,100.00 | 460,780,100.00 | ||
| Additional Paid-In Capital | 4,038,946,292.00 | 4,038,946,292.00 | ||
| Undivided Profits | (523,011,747.00) | (304,556,976.00) | ||
| Retained Earnings | (2,391,266,258.00) | (2,391,266,258.00) | ||
| Other Capital Accounts | 105,313,546.00 | 105,313,546.00 | ||
| Assigned Capital | 0.00 | 0.00 | ||
| TOTAL STOCKHOLDERS' EQUITY | 1,690,761,933.00 | 1,909,216,704.00 | ||
| TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY | 7,720,570,882.00 | 8,485,848,405.00 | ||
| 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 | 0.00 | 0.00 | ||
| TOTAL CONTINGENT ACCOUNTS | 0.00 | 0.00 | ||
| FINANCIAL INDICATORS (%) | ||||
| ASSET QUALITY | ||||
| Gross Non-Performing Loans (NPL) Ratio | 7.89 | 6.32 | ||
| Net NPL Ratio | 0.12 | 0.00 | ||
| Gross NPL Coverage Ratio | 139.52 | 135.56 | ||
| Net NPL Coverage Ratio | 131.09 | 125.27 | ||
| 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 | 1.21 | 0.02 | ||
| Ratio of Non-Performing DOSRI Loans to Total Loans to DOSRI | 0.00 | 0.00 | ||
| LIQUIDITY | ||||
| Liquidity Coverage Ratio 4/ | 3,718.58 | 722.81 | ||
| Net Stable Funding Ratio 4/ | 261.82 | 292.21 | ||
| Minimum Liquidity Ratio 5/ | 0.00 | 0.00 | ||
| PROFITABILITY | ||||
| Return on Equity (ROE) | (28.97) | (23.07) | ||
| Return on Assets | (5.56) | (4.41) | ||
| Net Interest Margin | 0.00 | 67.71 | ||
| CAPITAL ADEQUACY | ||||
| Common Equity Tier 1 Ratio | 23.51 | 35.05 | ||
| Tier 1 Capital Ratio | 23.51 | 35.05 | ||
| CAR | 23.95 | 35.56 | ||
| LEVERAGE | ||||
| Basel III Leverage Ratio 4/ | 12.12 | 13.74 | ||
| 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: Daily Tribune | ||||
| Newspaper Published on: 12-Mar-2025 | ||||