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| ZAMBOANGA CITY RB INC | ||||
| Published Balance Sheet | ||||
| Amounts in Philippine Pesos | ||||
| As of 31 March 2022 | ||||
| ASSETS | ||||
| Current Quarter | Previous Quarter | |||
| Cash and Cash Items | 7,719,011.20 | 7,260,145.84 | ||
| Due from Bangko Sentral ng Pilipinas | 7,398,388.77 | 7,398,388.77 | ||
| Due from Other Banks | 136,064,120.76 | 133,509,544.53 | ||
| Financial Assets at Fair Value through Profit or Loss | 0.00 | 0.00 | ||
| Available-for-Sale Financial Assets-Net | 0.00 | 0.00 | ||
| Held-to-Maturity (HTM) Financial Assets-Net | 362,301.73 | 362,301.73 | ||
| Unquoted Debt Securities Classified as Loans-Net | 0.00 | 0.00 | ||
| Investments in Non-Marketable Equity Security-Net | 0.00 | 0.00 | ||
| Loans and Receivables - Net | 217,741,119.29 | 209,577,678.03 | ||
| Loans to Bangko Sentral ng Pilipinas | 0.00 | 0.00 | ||
| Interbank Loans Receivable | 0.00 | 0.00 | ||
| Loans and Receivables - Others | 220,593,109.44 | 212,429,668.18 | ||
| Loans and Receivables Arising from RA/CA/PR/SLB | 0.00 | 0.00 | ||
| General Loan Loss Provision | 2,851,990.15 | 2,851,990.15 | ||
| Other Financial Assets | 0.00 | 0.00 | ||
| Equity Investment in Subsidiaries, Associates and Joint Ventures-Net | 0.00 | 0.00 | ||
| Bank Premises, Furniture, Fixture and Equipment-Net | 336,962.21 | 318,008.03 | ||
| Real and Other Properties Acquired-Net | 1,709,869.63 | 1,576,329.63 | ||
| Non-Current Assets Held for Sale | 0.00 | 0.00 | ||
| Other Assets-Net | 5,209,623.03 | 6,275,060.55 | ||
| Net Due from Head Office/Branches/Agencies, if any (Philippine branch of a foreign bank) | 0.00 | 0.00 | ||
| TOTAL ASSETS | 376,541,396.62 | 366,277,457.11 | ||
| LIABILITIES | ||||
| Financial Liabilities at Fair Value through Profit or Loss | 0.00 | 0.00 | ||
| Deposit Liabilities | 298,487,570.09 | 285,358,991.50 | ||
| Due to Other Banks | 0.00 | 0.00 | ||
| Bills Payable | 0.00 | 0.00 | ||
| a) BSP (Rediscounting and Other Advances) | 0.00 | 0.00 | ||
| b) Interbank Loans Payable | 0.00 | 0.00 | ||
| c) Other Deposit Substitutes | 0.00 | 0.00 | ||
| d) Others | 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 | ||
| Special Time Deposit | 0.00 | 0.00 | ||
| Due to Bangko Sentral ng Pilipinas | 0.00 | 0.00 | ||
| Other Financial Liabilities | 5,407,261.54 | 3,819,144.98 | ||
| Other Liabilities | 8,452,944.14 | 13,223,252.11 | ||
| Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign bank) | 0.00 | 0.00 | ||
| TOTAL LIABILITIES | 312,347,775.77 | 302,401,388.59 | ||
| STOCKHOLDERS' EQUITY | ||||
| Capital Stock | 44,625,000.00 | 44,625,000.00 | ||
| Other Capital Accounts | 317,552.33 | 1,717,152.23 | ||
| Retained Earnings | 19,251,068.52 | 17,533,916.29 | ||
| Assigned Capital | 0.00 | 0.00 | ||
| TOTAL STOCKHOLDERS' EQUITY | 64,193,620.85 | 63,876,068.52 | ||
| TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY | 376,541,396.62 | 366,277,457.11 | ||
| 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 | ||
| a) Trust and Other Fiduciary Accounts | 0.00 | 0.00 | ||
| b) Agency Accounts | 0.00 | 0.00 | ||
| c) Advisory/Consultancy | 0.00 | 0.00 | ||
| Derivatives | 0.00 | 0.00 | ||
| Others | 0.00 | 0.00 | ||
| TOTAL CONTINGENT ACCOUNTS | 0.00 | 0.00 | ||
| OTHER INFORMATION | ||||
| Gross Total Loan Portfolio (TLP) | 236,172,634.00 | 227,009,192.74 | ||
| Specific provision for loan losses | 15,579,524.56 | 14,579,524.56 | ||
| Non-Performing Loans (NPLs) | ||||
| a. Gross NPLs | 10,546,664.00 | 7,873,735.39 | ||
| b. Ratio of gross NPLs to gross TLP (%) | 4.47 | 3.47 | ||
| c. Net NPLs | 289,300.58 | 449,022.09 | ||
| d. Ratio of Net NPLs to gross TLP (%) | 0.12 | 0.20 | ||
| e. Ratio of total allowance for credit losses to gross NPLs (%) | 174.76 | 221.39 | ||
| f. Ratio of specific allowance for credit losses on the gross TLP to gross NPLs (%) | 147.72 | 185.17 | ||
| Classified Loans & Other Risk Assets, gross of allowance for credit losses | 0.00 | 0.00 | ||
| DOSRI Loans and receivables, gross of allowance for credit losses | 0.00 | 0.00 | ||
| Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP (%) | 0.00 | 0.00 | ||
| Gross non-performing DOSRI loans and receivables | 0.00 | 0.00 | ||
| Ratio of gross non-performing DOSRI loans and receivables to TLP (%) | 0.00 | 0.00 | ||
| Percent Compliance with Magna Carta (%) | ||||
| a. 8% Micro and Small Enterprises | 8.29 | 8.28 | ||
| b. 2% for Medium Enterprises | 2.37 | 2.71 | ||
| Return on Equity (ROE) (%) | 1.98 | 2.73 | ||
| Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations | ||||
| a. Total CAR | 16.44 | 16.91 | ||
| b. Tier 1 CAR | 15.74 | 16.18 | ||
| c. Common Tier 1 Ratio (%) 1/ | 0.00 | 0.00 | ||
| Deferred Charges not yet Written Down | 0.00 | 0.00 | ||
| Unbooked Allowance for Probable Losses on Financial Instruments Received | 0.00 | 0.00 | ||
| Newspaper Published in: Not Available | ||||
| Newspaper Published on: Not Available | ||||