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| UNION DIGITAL BANK | ||||
| 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 | 8,477,804,881.16 | 9,510,827,491.33 | ||
| Due from Other Central Banks and Banks - Net | 173,116,115.40 | 164,307,614.14 | ||
| 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 | 0.00 | 0.00 | ||
| Loans to Bangko Sentral ng Pilipinas | 0.00 | 0.00 | ||
| Interbank Loans Receivable | 0.00 | 0.00 | ||
| Loans and Receivables - Others | 4,025,313,260.39 | 4,969,115,107.89 | ||
| Loans and Receivables Arising from RA/CA/PR/SLB | 2,200,000,000.00 | 1,700,000,000.00 | ||
| Total Loan Portfolio (TLP) - Gross | 6,225,313,260.39 | 6,669,115,107.89 | ||
| Allowance for Credit Losses 2/ | 1,365,951,135.01 | 746,562,524.91 | ||
| Total Loan Portfolio - Net | 4,859,362,125.38 | 5,922,552,582.98 | ||
| Equity Investment in Subsidiaries, Associates and Joint Ventures - Net | 0.00 | 0.00 | ||
| Bank Premises, Furniture, Fixture and Equipment - Net | 34,321,809.63 | 31,094,389.81 | ||
| 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 | 3,856,912,173.44 | 3,817,470,127.80 | ||
| Net Due from Head Office/Branches/Agencies (Philippine
branch of a foreign bank) |
0.00 | 0.00 | ||
| TOTAL ASSETS | 17,401,517,105.01 | 19,446,252,206.06 | ||
| LIABILITIES | ||||
| Financial Liabilities at Fair Value through Profit or Loss (FVPL) 3/ | 0.00 | 0.00 | ||
| Deposit Liabilities | 13,043,555,808.96 | 14,853,947,267.66 | ||
| 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 | 662,263,459.51 | 617,727,654.04 | ||
| Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign bank) | 0.00 | 0.00 | ||
| TOTAL LIABILITIES | 13,705,819,268.47 | 15,471,674,921.70 | ||
| STOCKHOLDERS' EQUITY | ||||
| Capital Stock | 7,300,000,000.00 | 6,650,000,000.00 | ||
| Additional Paid-In Capital | 0.00 | 0.00 | ||
| Undivided Profits | (216,559,196.83) | (2,360,960,946.55) | ||
| Retained Earnings | (3,390,162,907.63) | (314,461,769.09) | ||
| Other Capital Accounts | 2,419,941.00 | 0.00 | ||
| Assigned Capital | 0.00 | 0.00 | ||
| TOTAL STOCKHOLDERS' EQUITY | 3,695,697,836.54 | 3,974,577,284.36 | ||
| TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY | 17,401,517,105.01 | 19,446,252,206.06 | ||
| 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 | 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 | 1.00 | 1.00 | ||
| TOTAL CONTINGENT ACCOUNTS | 1.00 | 1.00 | ||
| FINANCIAL INDICATORS (%) | ||||
| ASSET QUALITY | ||||
| Gross Non-Performing Loans (NPL) Ratio | 28.70 | 22.86 | ||
| Net NPL Ratio | 7.23 | 12.12 | ||
| Gross NPL Coverage Ratio | 76.46 | 48.98 | ||
| Net NPL Coverage Ratio | 75.87 | 48.33 | ||
| 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/ | 979.00 | 654.93 | ||
| Net Stable Funding Ratio 4/ | 287.41 | 272.16 | ||
| Minimum Liquidity Ratio 5/ | 0.00 | 0.00 | ||
| PROFITABILITY | ||||
| Return on Equity (ROE) | (21.95) | (60.95) | ||
| Return on Assets | (4.73) | (11.54) | ||
| Net Interest Margin | 10.05 | 13.59 | ||
| CAPITAL ADEQUACY | ||||
| Common Equity Tier 1 Ratio | 14.01 | 10.19 | ||
| Tier 1 Capital Ratio | 14.01 | 10.19 | ||
| CAR | 14.13 | 10.27 | ||
| LEVERAGE | ||||
| Basel III Leverage Ratio 4/ | 8.47 | 6.92 | ||
| 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: 23-May-2025 | ||||