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| UNOBANK INC | ||||
| 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 | 3,656,329,125.60 | 3,097,781,672.65 | ||
| Due from Other Central Banks and Banks - Net | 788,235,697.58 | 1,176,367,003.70 | ||
| 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 | 1,160,372,356.30 | 1,343,564,414.67 | ||
| Loans to Bangko Sentral ng Pilipinas | 0.00 | 0.00 | ||
| Interbank Loans Receivable | 0.00 | 0.00 | ||
| Loans and Receivables - Others | 1,607,014,885.57 | 1,818,711,587.45 | ||
| Loans and Receivables Arising from RA/CA/PR/SLB | 1,085,000,000.00 | 936,074,544.00 | ||
| Total Loan Portfolio (TLP) - Gross | 2,692,014,885.57 | 2,754,786,131.45 | ||
| Allowance for Credit Losses 2/ | 403,307,173.55 | 268,487,450.98 | ||
| Total Loan Portfolio - Net | 2,288,707,712.02 | 2,486,298,680.47 | ||
| Equity Investment in Subsidiaries, Associates and Joint Ventures - Net | 0.00 | 0.00 | ||
| Bank Premises, Furniture, Fixture and Equipment - Net | 60,969,198.46 | 65,461,175.51 | ||
| 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 | 2,002,244,041.68 | 2,167,950,292.02 | ||
| Net Due from Head Office/Branches/Agencies (Philippine
branch of a foreign bank) |
0.00 | 0.00 | ||
| TOTAL ASSETS | 9,956,858,131.64 | 10,337,423,239.02 | ||
| LIABILITIES | ||||
| Financial Liabilities at Fair Value through Profit or Loss (FVPL) 3/ | 0.00 | 0.00 | ||
| Deposit Liabilities | 7,548,752,218.10 | 7,451,756,640.18 | ||
| 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 | 525,733,066.24 | 677,740,623.99 | ||
| Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign bank) | 0.00 | 0.00 | ||
| TOTAL LIABILITIES | 8,074,485,284.34 | 8,129,497,264.17 | ||
| STOCKHOLDERS' EQUITY | ||||
| Capital Stock | 2,583,685,260.47 | 2,583,685,260.47 | ||
| Additional Paid-In Capital | 0.00 | 0.00 | ||
| Undivided Profits | (325,553,127.53) | (1,040,199,065.83) | ||
| Retained Earnings | (1,868,480,108.52) | (828,281,042.67) | ||
| Other Capital Accounts | 1,492,720,822.88 | 1,492,720,822.88 | ||
| Assigned Capital | 0.00 | 0.00 | ||
| TOTAL STOCKHOLDERS' EQUITY | 1,882,372,847.30 | 2,207,925,974.85 | ||
| TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY | 9,956,858,131.64 | 10,337,423,239.02 | ||
| 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 | 15.41 | 8.03 | ||
| Net NPL Ratio | 2.32 | 1.56 | ||
| Gross NPL Coverage Ratio | 97.21 | 121.33 | ||
| Net NPL Coverage Ratio | 92.37 | 98.51 | ||
| 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/ | 1,282.42 | 1,679.90 | ||
| Net Stable Funding Ratio 4/ | 258.21 | 228.59 | ||
| Minimum Liquidity Ratio 5/ | 0.00 | 0.00 | ||
| PROFITABILITY | ||||
| Return on Equity (ROE) | (3.98) | (54.78) | ||
| Return on Assets | (0.81) | (11.58) | ||
| Net Interest Margin | 1.05 | 4.63 | ||
| CAPITAL ADEQUACY | ||||
| Common Equity Tier 1 Ratio | 19.12 | 25.85 | ||
| Tier 1 Capital Ratio | 22.09 | 28.23 | ||
| CAR | 22.68 | 29.44 | ||
| LEVERAGE | ||||
| Basel III Leverage Ratio 4/ | 8.41 | 12.67 | ||
| 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: 20-May-2025 | ||||