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-25	Feb-25	Mar-25	Apr-25	May-25
	ASSET QUALITY RATIOS:
past_due_ratio	Past Due Ratio	3.70	3.74	3.66	3.78	3.76
past_due_loans_web	Past Due Loans	519,353,179.72	524,737,325.76	529,018,224.12	536,108,047.14	542,521,236.16
tlp_gross	Total Loan Portfolio (TLP), gross	14,033,308,027.96	14,015,383,758.46	14,466,774,240.83	14,174,258,396.39	14,432,727,972.46
restruct_loans_to_tlp_gross	RL to TLP	2.09	2.10	2.04	2.08	2.05
restruct_loans_total	Restructured Loans (RL), gross	293,654,619.73	293,738,549.84	294,668,717.48	294,546,223.77	296,369,431.56
tlp_gross	TLP, gross	14,033,308,027.96	14,015,383,758.46	14,466,774,240.83	14,174,258,396.39	14,432,727,972.46
tlp_acl_to_tlp_gross	Loan Loss Reserves (LLR) to TLP	3.11	3.11	3.01	3.09	3.06
tlp_acl	Allowance for Credit Losses (ACL) - TLP	436,271,831.68	436,048,154.45	436,097,341.51	438,019,133.87	441,595,021.48
tlp_gross	TLP, gross	14,033,308,027.96	14,015,383,758.46	14,466,774,240.83	14,174,258,396.39	14,432,727,972.46
npl_gross_to_tlp_gross	Gross NPL Ratio	3.10	3.11	3.02	3.10	3.09
npl_gross	Gross Non-Performing Loans (NPL)	435,131,350.94	435,327,319.16	436,801,895.74	439,033,834.78	446,622,145.15
tlp_gross	TLP, gross	14,033,308,027.96	14,015,383,758.46	14,466,774,240.83	14,174,258,396.39	14,432,727,972.46
npl_net_ibl_to_tlp_exc_ibl	Gross NPL Ratio, net of IBL	3.20	3.21	3.09	3.20	3.19
npl_gross_net_ibl	Gross NPL, net of NP IBL	434,844,208.09	435,115,191.78	436,589,768.36	438,821,707.40	446,410,017.77
npl_gross	(1) Gross NPL	435,131,350.94	435,327,319.16	436,801,895.74	439,033,834.78	446,622,145.15
npl_ibl	(2) Non-performing IBL	287,142.85	212,127.38	212,127.38	212,127.38	212,127.38
tlp_gross_exc_ibl	TLP, gross net of IBL	13,584,644,303.68	13,572,956,516.00	14,136,780,194.74	13,714,284,463.51	13,973,659,636.62
tlp_gross	(1) TLP, gross	14,033,308,027.96	14,015,383,758.46	14,466,774,240.83	14,174,258,396.39	14,432,727,972.46
ibl	(2) Interbank Loans Receivables (IBL)	448,663,724.28	442,427,242.46	329,994,046.09	459,973,932.88	459,068,335.84
npl_net_spec_acl_to_tlp_gross	Net NPL Ratio1/	1.32	1.31	1.28	1.31	1.31
npl_net_spec_acl	NPL, net of Specific ACL1/	185,274,028.94	184,105,753.47	185,473,086.65	185,381,592.74	188,712,682.02
npl_gross	(1) Gross NPL	435,131,350.94	435,327,319.16	436,801,895.74	439,033,834.78	446,622,145.15
spec_acl_npl	(2) Specific ACL	249,857,322.00	251,221,565.70	251,328,809.09	253,652,242.04	257,909,463.13
tlp_gross	TLP, gross	14,033,308,027.96	14,015,383,758.46	14,466,774,240.83	14,174,258,396.39	14,432,727,972.46
npl_coverage_ratio	NPL Coverage Ratio	100.26	100.17	99.84	99.77	98.87
tlp_acl	ACL - TLP	436,271,831.68	436,048,154.45	436,097,341.51	438,019,133.87	441,595,021.48
npl_gross	Gross NPL	435,131,350.94	435,327,319.16	436,801,895.74	439,033,834.78	446,622,145.15
npl_coverage_net_gllp_ratio	NPL Coverage Ratio, excl. GLLP	79.08	79.60	79.28	79.32	78.96
spec_acl_tlp	Spec. ACL - TLP	344,098,512.77	346,531,676.62	346,300,469.70	348,225,633.85	352,673,144.15
npl_gross	Gross NPL	435,131,350.94	435,327,319.16	436,801,895.74	439,033,834.78	446,622,145.15
npa_to_gross_assets	NPA to Gross Assets	2.12	2.13	2.10	2.17	2.18
npa	Non-Performing Assets (NPA)	548,965,104.60	549,102,503.30	552,731,913.34	555,908,015.90	564,984,640.23
npl_gross	(1) Gross NPL	435,131,350.94	435,327,319.16	436,801,895.74	439,033,834.78	446,622,145.15
ropa_gross_np_scr	(2) ROPA, gross	113,833,753.66	113,775,184.13	115,930,017.60	116,874,181.12	118,362,495.08
ropa	(a) Real and Other Properties Acquired (ROPA)	104,151,770.53	104,379,779.85	106,491,215.74	107,275,505.97	108,580,119.25
ncahs_gross	(b) Non-Current Assets Held for Sale	6,433,081.84	6,068,972.69	6,084,788.92	6,312,977.91	6,436,716.29
scr_nonperforming	(c) Non-Performing Sales Contract Receivables (SCR)	3,248,901.30	3,326,431.59	3,354,012.94	3,285,697.24	3,345,659.54
gross_assets_web	Gross Assets	25,883,770,146.60	25,721,569,435.63	26,377,060,453.30	25,617,764,416.41	25,966,095,513.04
total_assets_web	(1) Total Assets	25,414,004,300.27	25,251,693,171.33	25,906,797,766.08	25,145,486,888.66	25,489,660,167.41
npa_allowance	(2) Allowance on NPA	469,765,846.33	469,876,264.30	470,262,687.22	472,277,527.75	476,435,345.63
npa_coverage_ratio	NPA Coverage Ratio	85.57	85.57	85.08	84.96	84.33
npa_allowance	Allowance on NPA	469,765,846.33	469,876,264.30	470,262,687.22	472,277,527.75	476,435,345.63
npa	NPA	548,965,104.60	549,102,503.30	552,731,913.34	555,908,015.90	564,984,640.23
distressed_assets_ratio	Distressed Assets Ratio	5.16	5.17	5.01	5.14	5.11
distressed_assets	Distressed Assets	731,057,932.78	730,848,165.70	730,844,330.21	735,563,358.98	744,223,079.59
npa	NPA	548,965,104.60	549,102,503.30	552,731,913.34	555,908,015.90	564,984,640.23
restruct_loans_perf	RL, Performing	182,092,828.18	181,745,662.40	178,112,416.87	179,655,343.08	179,238,439.36
tlp_gross	TLP, gross	14,033,308,027.96	14,015,383,758.46	14,466,774,240.83	14,174,258,396.39	14,432,727,972.46
ropa_gross	Total ROPA	120,842,411.99	120,502,241.55	122,888,937.38	123,797,605.63	125,126,378.54
ropa_gross_np_scr	(1) ROPA, gross	113,833,753.66	113,775,184.13	115,930,017.60	116,874,181.12	118,362,495.08
scr_performing	(2) Performing SCR	7,008,658.32	6,727,057.41	6,958,919.78	6,923,424.51	6,763,883.46
	LIQUIDITY RATIOS
cash_due_from_b_to_deposits	(1) Cash and Due from Banks to Deposits	12.98	11.69	9.86	9.05	9.34
cash_due_from_b_cb	Cash and Due from Banks	2,423,153,484.83	2,157,552,072.52	1,859,165,966.71	1,669,826,907.55	1,748,889,063.55
deposit_liab	Deposits	18,672,855,901.43	18,460,319,546.16	18,862,057,539.79	18,458,133,900.95	18,732,964,469.12
liquid_assets_to_deposits	(2) Liquid Assets to Deposits Ratio	51.10	50.66	50.31	49.00	48.19
liquid_assets	Liquid Assets, sum of:	9,542,050,273.66	9,352,887,948.88	9,489,282,255.87	9,045,267,678.14	9,028,171,358.12
cash_due_from_b_cb	(1) Cash and Due from Banks	2,423,153,484.83	2,157,552,072.52	1,859,165,966.71	1,669,826,907.55	1,748,889,063.55
fin_asst_net_equity	(2) Financial Assets, net (excl. equity investments)	7,118,896,788.82	7,195,335,876.37	7,630,116,289.16	7,375,440,770.59	7,279,282,294.57
deposit_liab	Deposits	18,672,855,901.43	18,460,319,546.16	18,862,057,539.79	18,458,133,900.95	18,732,964,469.12
loans_to_deposit	(3) Loans (gross) to Deposits	75.15	75.92	76.70	76.79	77.04
tlp_gross	Loans (gross)	14,033,308,027.96	14,015,383,758.46	14,466,774,240.83	14,174,258,396.39	14,432,727,972.46
deposit_liab	Deposits	18,672,855,901.43	18,460,319,546.16	18,862,057,539.79	18,458,133,900.95	18,732,964,469.12
	(4) Liquidity Coverage Ratio (LCR) - Solo			175.33
	(5) LCR - Consolidated			176.15
	(6) Net Stable Funding Ratio (NSFR) - Solo
	(7) NSFR - Consolidated
	SELECTED PROFITABILITY RATIOS
roa	(1)  Return on Assets (ROA)			1.49
net_profit_loss_annualized	Annualized Net Profit or Loss			373,513,456.31
total_assets_web_averaged	Average Assets			24,992,207,942.84
total_assets_web_sply	Total Assets (last year)			24,077,618,119.59
total_assets_web	Total Assets (current year)			25,906,797,766.08
roe	(2) Return on Equity (ROE)			12.36
net_profit_loss_annualized	Annualized Net Profit or Loss			373,513,456.31
total_equity_web_averaged	Average Capital			3,022,578,538.20
total_equity_web_sply	Total Capital (last year)			2,871,681,062.73
total_equity_web	Total Capital (current year)			3,173,476,013.67
earning_asset_yield	(3) Earning Asset Yield			5.99
interest_income_annualized	Annualized Interest Income			1,362,525,036.70
earning_assets_averaged	Average Earning Assets			22,748,260,020.49
earning_assets_sply	Earning Assets (last year)			21,892,635,133.61
earning_assets	Earning Assets (current year)			23,603,884,907.38
funding_cost	(4) Funding Cost			2.13
interest_expense_annualized	Annualized Interest Expense			427,464,780.93
int_bear_liab_averaged	Average Interest Bearing Liabilities			20,086,512,177.74
int_bear_liab_sply	Interest Bearing Liabilities (last year)			19,346,663,397.28
int_bear_liab	Interest Bearing Liabilities (current year)			20,826,360,958.19
interest_spread	(5) Interest Spread			3.86
earning_asset_yield	(3) Earning Asset Yield			5.99
funding_cost	(4) Funding Cost			2.13
net_interest_margin	(6) Net Interest Margin			4.11
net_interest_income_annualized	Annualized Net Interest Income			934,517,069.62
earning_assets_averaged	Average Earning Assets			22,748,260,020.49
cost_to_income_ratio	(7) Cost to Income Ratio			54.91
non_interest_expense_annualized	Annualized Non-Interest Expenses			631,956,615.65
operating_income_annualized	Annualized Total Operating Income			1,150,833,459.15
net_int_inc_to_operating_income	(8) Net Interest Income to Total Operating Income			81.20
net_interest_income_annualized	Annualized Net Interest Income			934,517,069.62
operating_income_annualized	Annualized Total Operating Income			1,150,833,459.15
non_int_inc_to_operating_income	(9) Non-interest Income to Total Operating Income			18.80
non_interest_income_annualized	Annualized Non-Interest Income			216,316,389.53
operating_income_annualized	Annualized Total Operating Income			1,150,833,459.15
	CAPITAL ADEQUACY
	Capital Adequacy Ratio - Solo			16.00
	Capital Adequacy Ratio - Conso			16.46
capital_to_assets_web	Total Capital Accounts to Total Assets	12.29	12.40	12.25	12.73	12.50
	Basel III Leverage Ratio (BLR) - Solo
	Basel III Leverage Ratio (BLR) - Conso
	/r Revised
	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 10 July 2025