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UNOBANK 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 | 2,660,217,997.16 | 3,092,932,508.78 | ||
Due from Other Central Banks and Banks - Net | 906,124,279.63 | 735,896,665.58 | ||
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 | 798,256,042.53 | 676,559,103.92 | ||
Loans to Bangko Sentral ng Pilipinas | 0.00 | 0.00 | ||
Interbank Loans Receivable | 0.00 | 0.00 | ||
Loans and Receivables - Others | 670,876,226.97 | 34,634,200.96 | ||
Loans and Receivables Arising from RA/CA/PR/SLB | 469,304,109.00 | 400,000,000.00 | ||
Total Loan Portfolio (TLP) - Gross | 1,140,180,335.97 | 434,634,200.96 | ||
Allowance for Credit Losses 2/ | 25,298,107.20 | 2,170,321.24 | ||
Total Loan Portfolio - Net | 1,114,882,228.77 | 432,463,879.72 | ||
Equity Investment in Subsidiaries, Associates and Joint Ventures - Net | 0.00 | 0.00 | ||
Bank Premises, Furniture, Fixture and Equipment - Net | 45,286,279.75 | 46,393,197.18 | ||
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 | 1,303,864,496.63 | 1,056,366,688.22 | ||
Net Due from Head Office/Branches/Agencies (Philippine
branch of a foreign bank) |
0.00 | 0.00 | ||
TOTAL ASSETS | 6,828,631,324.47 | 6,040,612,043.40 | ||
LIABILITIES | ||||
Financial Liabilities at Fair Value through Profit or Loss (FVPL) 3/ | 0.00 | 0.00 | ||
Deposit Liabilities | 4,838,636,445.60 | 4,024,221,111.76 | ||
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 | 548,816,154.80 | 676,881,783.26 | ||
Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign bank) | 0.00 | 0.00 | ||
TOTAL LIABILITIES | 5,387,452,600.40 | 4,701,102,895.02 | ||
STOCKHOLDERS' EQUITY | ||||
Capital Stock | 1,385,446,840.00 | 1,385,446,840.00 | ||
Additional Paid-In Capital | 0.00 | 0.00 | ||
Undivided Profits | -682,258,259.22 | -423,689,105.45 | ||
Retained Earnings | -174,690,507.49 | -174,784,683.70 | ||
Other Capital Accounts | 912,680,650.78 | 552,536,097.53 | ||
Assigned Capital | 0.00 | 0.00 | ||
TOTAL STOCKHOLDERS' EQUITY | 1,441,178,724.07 | 1,339,509,148.38 | ||
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY | 6,828,631,324.47 | 6,040,612,043.40 | ||
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 | 0.35 | 0.24 | ||
Net NPL Ratio | 0.08 | 0.08 | ||
Gross NPL Coverage Ratio | 629.42 | 210.84 | ||
Net NPL Coverage Ratio | 2,769.86 | 631.37 | ||
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/ | 919.58 | 1,778.03 | ||
Net Stable Funding Ratio 4/ | 278.52 | 349.35 | ||
Minimum Liquidity Ratio 5/ | 0.00 | 0.00 | ||
PROFITABILITY | ||||
Return on Equity (ROE) | -53.21 | -44.29 | ||
Return on Assets | -15.34 | -14.75 | ||
Net Interest Margin | 1.50 | 1.65 | ||
CAPITAL ADEQUACY | ||||
Common Equity Tier 1 Ratio | 15.52 | 38.91 | ||
Tier 1 Capital Ratio | 35.24 | 65.91 | ||
CAR | 36.19 | 65.98 | ||
LEVERAGE | ||||
Basel III Leverage Ratio 4/ | 12.08 | 17.75 | ||
Deferred Charges not yet Written Down | 0.00 | 0.00 | ||
Newspaper Published in: The Manila Times | ||||
Newspaper Published on: 01-Feb-2024 | ||||