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| TONIK DIGITAL BANK INC | ||||
| Published Balance Sheet | ||||
| Amounts in Philippine Pesos | ||||
| As of 31 December 2023 | ||||
| ASSETS | ||||
| Current Quarter | Previous Quarter | |||
| Cash and Cash Items | 0.00 | 0.00 | ||
| Due from Bangko Sentral ng Pilipinas | 4,631,935,706.12 | 3,915,418,202.55 | ||
| Due from Other Central Banks and Banks - Net | 61,983,728.72 | 182,206,458.42 | ||
| 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 | 2,523,817,978.50 | 3,062,217,412.56 | ||
| Loans to Bangko Sentral ng Pilipinas | 0.00 | 0.00 | ||
| Interbank Loans Receivable | 0.00 | 0.00 | ||
| Loans and Receivables - Others | 808,818,042.77 | 754,512,564.27 | ||
| Loans and Receivables Arising from RA/CA/PR/SLB | 998,519,382.00 | 1,414,000,000.00 | ||
| Total Loan Portfolio (TLP) - Gross | 1,807,337,424.77 | 2,168,512,564.27 | ||
| Allowance for Credit Losses 2/ | 315,957,447.73 | 315,391,042.50 | ||
| Total Loan Portfolio - Net | 1,491,379,977.04 | 1,853,121,521.77 | ||
| Equity Investment in Subsidiaries, Associates and Joint Ventures - Net | 0.00 | 0.00 | ||
| Bank Premises, Furniture, Fixture and Equipment - Net | 100,595,263.02 | 87,344,863.13 | ||
| 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 | 933,286,026.28 | 871,225,105.65 | ||
| Net Due from Head Office/Branches/Agencies (Philippine
branch of a foreign bank) |
0.00 | 0.00 | ||
| TOTAL ASSETS | 9,742,998,679.68 | 9,971,533,564.08 | ||
| LIABILITIES | ||||
| Financial Liabilities at Fair Value through Profit or Loss (FVPL) 3/ | 0.00 | 0.00 | ||
| Deposit Liabilities | 7,803,927,699.48 | 7,922,777,704.60 | ||
| 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 | 254,247,015.84 | 221,949,005.62 | ||
| Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign bank) | 0.00 | 0.00 | ||
| TOTAL LIABILITIES | 8,058,174,715.32 | 8,144,726,710.22 | ||
| STOCKHOLDERS' EQUITY | ||||
| Capital Stock | 431,519,000.00 | 431,519,000.00 | ||
| Additional Paid-In Capital | 3,363,712,732.58 | 3,363,712,732.58 | ||
| Undivided Profits | -568,606,533.91 | -423,566,249.47 | ||
| Retained Earnings | -1,646,341,340.62 | -1,646,341,340.62 | ||
| Other Capital Accounts | 104,540,106.31 | 101,482,711.37 | ||
| Assigned Capital | 0.00 | 0.00 | ||
| TOTAL STOCKHOLDERS' EQUITY | 1,684,823,964.36 | 1,826,806,853.86 | ||
| TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY | 9,742,998,679.68 | 9,971,533,564.08 | ||
| 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 | 3.95 | 4.51 | ||
| Net NPL Ratio | 0.00 | 0.00 | ||
| Gross NPL Coverage Ratio | 442.96 | 386.74 | ||
| Net NPL Coverage Ratio | 0.00 | 0.00 | ||
| 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 | 4.58 | ||
| Ratio of Non-Performing DOSRI Loans to Total Loans to DOSRI | 0.00 | 0.00 | ||
| LIQUIDITY | ||||
| Liquidity Coverage Ratio 4/ | 1,917.10 | 1,815.10 | ||
| Net Stable Funding Ratio 4/ | 593.80 | 577.76 | ||
| Minimum Liquidity Ratio 5/ | 0.00 | 0.00 | ||
| PROFITABILITY | ||||
| Return on Equity (ROE) | -28.97 | -27.81 | ||
| Return on Assets | -5.56 | -5.45 | ||
| Net Interest Margin | 426,969,616.81 | 307,329,028.04 | ||
| CAPITAL ADEQUACY | ||||
| Common Equity Tier 1 Ratio | 94.40 | 112.52 | ||
| Tier 1 Capital Ratio | 94.40 | 112.52 | ||
| CAR | 95.22 | 113.41 | ||
| LEVERAGE | ||||
| Basel III Leverage Ratio 4/ | 8.35 | 10.43 | ||
| Deferred Charges not yet Written Down | 0.00 | 0.00 | ||
| Newspaper Published in: Daily Tribune | ||||
| Newspaper Published on: 11-Feb-2024 | ||||