16 Selected Performance Indicators          
             
             
  Universal and Commercial Bank Group          
  as of end of periods indicated          
  amounts in thousand Pesos, ratios in percent (%)          
             
   
  Selected Accounts Jan-21 Feb-21 Mar-21 Apr-21  
   
  ASSET QUALITY RATIOS:   
  Past Due Ratio 4.03 4.47 4.64 4.71  
  Past Due Loans 390,163,604.24 430,713,349.93 451,226,498.29 457,577,777.28  
  Total Loan Portfolio (TLP), gross  9,677,765,769.42 9,642,133,913.08 9,718,022,914.86 9,715,752,028.19  
  RL to TLP 1.86 1.92 2.23 2.32  
  Restructured Loans (RL), gross 180,469,026.62 185,449,168.91 216,380,335.55 225,450,580.79  
  TLP, gross  9,677,765,769.42 9,642,133,913.08 9,718,022,914.86 9,715,752,028.19  
  Loan Loss Reserves (LLR) to TLP 3.37 3.39 3.35 3.39  
  Allowance for Credit Losses (ACL) - TLP 325,738,071.48 327,292,120.56 325,734,014.77 329,264,007.29  
  TLP, gross  9,677,765,769.42 9,642,133,913.08 9,718,022,914.86 9,715,752,028.19  
  Gross NPL Ratio 3.17 3.56 3.73 3.86  
  Gross Non-Performing Loans (NPL) 307,223,610.33 343,568,886.27 362,038,586.16 375,346,500.18  
  TLP, gross  9,677,765,769.42 9,642,133,913.08 9,718,022,914.86 9,715,752,028.19  
  Gross NPL Ratio, net of IBL 3.27 3.67 3.84 3.98  
  Gross NPL, net of NP IBL 306,700,587.52 343,045,863.54 361,519,900.64 374,828,813.59  
  (1) Gross NPL 307,223,610.33 343,568,886.27 362,038,586.16 375,346,500.18  
  (2) Non-performing IBL 523,022.81 523,022.73 518,685.52 517,686.59  
  TLP, gross net of IBL 9,382,284,095.30 9,343,868,809.99 9,412,861,398.59 9,409,400,899.91  
  (1) TLP, gross 9,677,765,769.42 9,642,133,913.08 9,718,022,914.86 9,715,752,028.19  
  (2) Interbank Loans Receivables (IBL) 295,481,674.11 298,265,103.10 305,161,516.27 306,351,128.27  
  Net NPL Ratio1/ 1.54 1.91 2.04 2.19  
  NPL, net of Specific ACL1/ 149,401,316.83 184,286,391.01 198,345,195.27 213,020,918.06  
  (1) Gross NPL 307,223,610.33 343,568,886.27 362,038,586.16 375,346,500.18  
  (2) Specific ACL 157,822,293.50 159,282,495.26 163,693,390.89 162,325,582.13  
  TLP, gross  9,677,765,769.42 9,642,133,913.08 9,718,022,914.86 9,715,752,028.19  
  NPL Coverage Ratio 106.03 95.26 89.97 87.72  
  ACL - TLP 325,738,071.48 327,292,120.56 325,734,014.77 329,264,007.29  
  Gross NPL 307,223,610.33 343,568,886.27 362,038,586.16 375,346,500.18  
  NPL Coverage Ratio, excl. GLLP 79.77 71.16 68.73 66.94  
  Spec. ACL - TLP 245,066,651.58 244,468,063.99 248,812,616.11 251,243,425.02  
  Gross NPL 307,223,610.33 343,568,886.27 362,038,586.16 375,346,500.18  
  NPA to Gross Assets  2.17 2.35 2.44 2.53  
  Non-Performing Assets (NPA) 394,135,297.97 430,236,629.24 449,827,626.52 463,634,885.22  
  (1) Gross NPL 307,223,610.33 343,568,886.27 362,038,586.16 375,346,500.18  
  (2) ROPA, gross 86,911,687.64 86,667,742.97 87,789,040.36 88,288,385.04  
  (a) Real and Other Properties Acquired (ROPA) 76,899,382.88 76,775,287.37 77,145,660.75 77,750,160.20  
  (b) Non-Current Assets Held for Sale 6,079,952.45 5,964,247.49 6,517,865.33 6,507,654.71  
  (c) Non-Performing Sales Contract Receivables (SCR) 3,932,352.32 3,928,208.11 4,125,514.28 4,030,570.13  
  Gross Assets 18,139,545,055.46 18,290,911,887.87 18,400,540,216.46 18,337,602,305.37  
  (1) Total Assets 17,785,979,299.63 17,935,831,051.89 18,047,073,270.17 17,980,226,422.49  
  (2) Allowance on NPA 353,565,755.82 355,080,835.98 353,466,946.29 357,375,882.88  
  NPA Coverage Ratio 89.71 82.53 78.58 77.08  
  Allowance on NPA 353,565,755.82 355,080,835.98 353,466,946.29 357,375,882.88  
  NPA 394,135,297.97 430,236,629.24 449,827,626.52 463,634,885.22  
  Distressed Assets Ratio 5.59 5.75 6.14 6.36  
  Distressed Assets 546,627,002.09 559,472,028.00 602,408,833.45 623,612,210.16  
  NPA 394,135,297.97 430,236,629.24 449,827,626.52 463,634,885.22  
  RL, Performing 152,491,704.11 129,235,398.77 152,581,206.93 159,977,324.94  
  TLP, gross  9,677,765,769.42 9,642,133,913.08 9,718,022,914.86 9,715,752,028.19  
  Total ROPA 94,430,756.79 94,109,564.84 94,699,415.12 95,393,592.34  
  (1) ROPA, gross 86,911,687.64 86,667,742.97 87,789,040.36 88,288,385.04  
  (2) Performing SCR 7,519,069.14 7,441,821.88 6,910,374.76 7,105,207.30  
  LIQUIDITY RATIOS  
  (1) Cash and Due from Banks to Deposits 24.24 24.28 23.63 22.55  
  Cash and Due from Banks   3,327,353,749.64 3,352,020,230.93 3,294,977,442.35 3,147,190,841.01  
  Deposits 13,723,897,743.86 13,803,008,804.01 13,946,623,914.18 13,958,024,036.68  
  (2) Liquid Assets to Deposits Ratio 54.65 55.60 55.53 55.04  
  Liquid Assets, sum of: 7,500,255,552.49 7,674,332,643.44 7,744,748,292.69 7,681,997,463.32  
  (1) Cash and Due from Banks 3,327,353,749.64 3,352,020,230.93 3,294,977,442.35 3,147,190,841.01  
  (2) Financial Assets, net (excl. equity investments) 4,172,901,802.85 4,322,312,412.51 4,449,770,850.34 4,534,806,622.31  
  Deposits 13,723,897,743.86 13,803,008,804.01 13,946,623,914.18 13,958,024,036.68  
  (3) Loans (gross) to Deposits 70.52 69.86 69.68 69.61  
  Loans (gross) 9,677,765,769.42 9,642,133,913.08 9,718,022,914.86 9,715,752,028.19  
  Deposits 13,723,897,743.86 13,803,008,804.01 13,946,623,914.18 13,958,024,036.68  
  SELECTED PROFITABILITY RATIOS  
  (1)  Return on Assets (ROA) 0.80  
  Annualized Net Profit or Loss  140,560,623.07  
  Average Assets 17,544,822,378.26  
  Total Assets (last year) 17,042,571,486.35  
  Total Assets (current year) 18,047,073,270.17  
  (2) Return on Equity (ROE) 6.48  
  Annualized Net Profit or Loss  140,560,623.07  
  Average Capital 2,167,538,538.84  
  Total Capital (last year) 2,091,922,277.25  
  Total Capital (current year) 2,243,154,800.43  
  (3) Earning Asset Yield 4.27  
  Annualized Interest Income 707,884,928.37  
  Average Earning Assets 16,573,743,353.23  
  Earning Assets (last year) 15,988,796,478.60  
  Earning Assets (current year) 17,158,690,227.85  
  (4) Funding Cost 0.88  
  Annualized Interest Expense 128,911,088.17  
  Average Interest Bearing Liabilities 14,685,506,197.52  
  Interest Bearing Liabilities (last year) 14,237,042,235.49  
  Interest Bearing Liabilities (current year) 15,133,970,159.55  
  (5) Interest Spread 3.39  
  (3) Earning Asset Yield 4.27  
  (4) Funding Cost 0.88  
  (6) Net Interest Margin 3.49  
  Annualized Net Interest Income 578,851,338.18  
  Average Earning Assets 16,573,743,353.23  
  (7) Cost to Income Ratio 53.85  
  Annualized Non-Interest Expenses 420,095,606.72  
  Annualized Total Operating Income 780,114,343.97  
  (8) Net Interest Income to Total Operating Income 74.20  
  Annualized Net Interest Income  578,851,338.18  
  Annualized Total Operating Income 780,114,343.97  
  (9) Non-interest Income to Total Operating Income 25.80  
  Annualized Non-Interest Income 201,263,005.79  
  Annualized Total Operating Income 780,114,343.97  
  CAPITAL ADEQUACY  
  Capital Adequacy Ratio - Solo  
  Capital Adequacy Ratio - Conso  
  Total Capital Accounts to Total Assets 12.49 12.49 12.43 12.57  
             
1/ Starting September 2017, Net NPLs refer to gross NPLs less specific allowance for credit losses on NPLs per BSP Circular No. 941
Source : Department of Supervisory Analytics, Financial Supervision Sector, Bangko Sentral ng Pilipinas
Updated as of 4 June 2021