Form 2B (Revised June 2014)

CARD MRI Rizal Bank, Inc. - A Microfinance-Oriented Rural Bank

Name of Bank

PUBLISHED BALANCED SHEET

(Head Office and Branches)
As of 31 December 2021

CONTROL PROOFLIST

Account Code Current Quarter Previous Quarter Board of Directors

Cash and Cash Items 108000000000000000 44,163,489.80 56,316,103.15 Mr. Aristeo A. Dequito, Chairman
Due from Bangko Sentral ng Pilipinas 105150000000000000 94,846,928.02 93,578,388.79 Dr. Dolores M. Torres, Director
Due from Other Banks 105200000000000000 1,719,052,045.94 1,865,378,233.09 Ms. Marie Josephine M. Ocampo
Held-to-Maturity (HTM) Financial Assets-Net 195250000000000000 19,853,863.22 23,127,905.63 Ms. Elma B. Valenzuela, Director
Loans and Receivables - Net 195400000000000000 3,989,645,200.40 3,684,699,899.15 Mr. Faustino M. Buenaventura, Director
Other Financial Assets 148000000000000000 100,136,885.08 27,982,635.34 Ms. Leonora Lasco, Director
Bank Premises, Furniture, Fixture and Equipment-Net 195500500000000000 247,590,327.64 220,255,792.49 Ms. Julieta A. Miranda, Director
Other Assets-Net 152000000000000000 199,138,017.50 258,965,927.63 Mr. Julius Adrian R. Alip, Director
TOTAL ASSETS 100000000000000000 6,414,426,757.60 6,230,304,885.27 Ms. Suzette S. Marquez, Director
Financial Liabilities at Fair Value through Profit or Loss 208000000000000000 0.00 0.00 Dr. Jaime Aristotle B. Alip, Sr. Adviser
Deposit Liabilities 215000000000000000 4,452,027,926.23 4,617,302,540.99 Ms. Natividad N. Alejo, Sr. Adviser
Bills Payable 220100000000000000 397,255,103.54 0.00
Other Financial Liabilities 240050000000000000 84,118,079.63 101,380,183.13
Other Liabilities 240100000000000000 241,605,614.58 266,355,639.89
TOTAL LIABILITIES 200000000000000000 5,175,006,723.98 4,985,038,364.01
TOTAL STOCKHOLDERS' EQUITY 300000000000000000 1,239,420,033.62 1,245,266,521.26
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 905000000000000000 6,414,426,757.60 6,230,304,885.27
ADDITIONAL INFORMATION
Gross total loan portfolio (TLP) 499020000000000000 4,246,800,145.54 4,046,512,891.29
Specific allowance for credit losses on the TLP 499300000000000000 123,247,290.24 319,687,929.06
Non-Performing Loans (NPLs)
a. Gross NPLs 499100500000000000 375,529,462.41 643,525,886.45
b. Ratio of gross NPLs to gross TLP (%) 499150500000000000 8.84% 15.90%
c. Net NPLs 499101000000000000 252,282,172.17 323,837,957.39
d. Ratio of Net NPLs to gross TLP (%) 499151000000000000 5.94% 8.00%
e. Ratio of total allowance for credit losses to gross NPLs (%) 499151500000000000 68.48% 56.22%
f. Ratio of specific allowance for credit losses on the gross TLP to gross NPLs (%) 499152000000000000 32.82% 49.68%
Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations

a. Total CAR (%) 499650500500000000 16.36% 16.11%

b. Tier 1 Ratio (%) 499650501000000000 12.96% 12.97%
c. Common Tier 1 Ratio (%) 1/ 499650501500000000 0.00 0.00
1/ Common Equity Tier 1 is only applicable to all Universal and Commercial Banks and their subsidiary banks.

I hereby certify that all matters set forth in this Published Balance Sheet are true and correct, to the best of my knowledge and belief.

Elma B. Valenzuela Anna Lorraine J. Maur

President and CEO VP for Finance
Form 2B (Revised June 2014)
Balance Sheet
(Head Office and Branches)

Control Prooflist
Rizal Bank, Inc. - A Microfinance-Oriented Rural Bank
Name of Bank
As of 31 December 2021

Account Code Current Quarter Previous Quarter

Cash and Cash Items 108000000000000000 2,209,286.80 8,553,899.59
Due from Bangko Sentral ng Pilipinas 105150000000000000 47,321,849.27 40,320,849.27
Due from Other Banks 105200000000000000 395,614,335.85 388,398,813.20
Financial Assets at Fair Value through Profit or Loss 112000000000000000 0.00 0.00
Available-for-Sale Financial Assets-Net 195200000000000000 0.00 0.00
Held-to-Maturity (HTM) Financial Assets-Net 195250000000000000 0.00 0.00
Unquoted Debt Securities Classified as Loans-Net 195300000000000000 53,339,061.87 42,490,279.70
Investments in Non-Marketable Equity Security-Net 195350000000000000 0.00 0.00
Loans and Receivables - Net 195400000000000000 2,031,015,651.80 1,561,384,081.90
Other Financial Assets 148000000000000000 27,265,785.99 354,215.44
Equity Investment in Subsidiaries, Associates and Joint Ventures-Net 195452500000000000 0.00 0.00
Bank Premises, Furniture, Fixture and Equipment-Net 195500500000000000 89,857,170.41 74,346,309.20
Real and Other Properties Acquired-Net 195501000000000000 0.00 0.00
Non-Current Assets Held for Sale 150150000000000000 0.00 0.00
Other Assets-Net 152000000000000000 60,746,143.42 54,100,543.63
Net Due from Head Office/Branches/Agencies, if any (Phil. branch of a foreign bank) 155250000000000000 0.00 0.00
TOTAL ASSETS 100000000000000000 2,707,369,285.41 2,169,948,991.93
Financial Liabilities at Fair Value through Profit or Loss 208000000000000000 0.00 0.00
Deposit Liabilities 215000000000000000 1,526,431,622.58 1,298,145,632.94
Due to Other Banks 220050000000000000 0.00 0.00
Bills Payable 220100000000000000 498,023,589.88 234,277,893.35
Bonds Payable-Net 295201500000000000 0.00 0.00
Unsecured Subordinated Debt-Net 295202000000000000 0.00 0.00
Redeemable Preferred Shares 220250000000000000 0.00 0.00
Special Time Deposit 220300000000000000 0.00 0.00
Due to Bangko Sentral ng Pilipinas 230350000000000000 0.00 0.00
Other Financial Liabilities 240050000000000000 40,083,768.91 35,455,524.96
Other Liabilities 240100000000000000 86,960,648.97 60,287,223.16
Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign bank) 230850000000000000 0.00 0.00
TOTAL LIABILITIES 200000000000000000 2,151,499,630.34 1,628,166,274.41
TOTAL STOCKHOLDERS' EQUITY 300000000000000000 555,869,655.07 541,782,717.52
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 905000000000000000 2,707,369,285.41 2,169,948,991.93
TOTAL CONTINGENT ACCOUNTS 400000000000000000 0.00 0.00
ADDITIONAL INFORMATION
Gross total loan portfolio (TLP) 499020000000000000 2,085,549,595.19 1,605,619,021.74
Specific allowance for credit losses on the TLP 499300000000000000 23,647,044.70 20,519,319.68
Non-Performing Loans (NPLs)
a. Gross NPLs 499100500000000000 26,345,597.42 24,402,684.08
b. Ratio of gross NPLs to gross TLP (%) 499150500000000000 1% 2%
c. Net NPLs 499101000000000000 2,698,552.73 3,883,364.40
d. Ratio of Net NPLs to gross TLP (%) 499151000000000000 0% 0%
Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations
a. Total CAR (%) 499650500500000000 19.74 23.43
b. Tier 1 Ratio (%) 499650501000000000 17.14 20.48
c. Common Tier 1 Ratio (%) 1/ 499650501500000000 0.00 0.00
1/ Common Equity Tier 1 is only applicable to all Universal and Commercial Banks and their subsidiary banks.

Republic of the Philippines)

) s.s.

We, Elma B. Valenzuela and Anna Lorraine J. Maur of the above-

mentioned bank do solemnly swear that all matters set forth in the above balance sheet are true and correct to the best of
my/our knowledge and belief.

Elma B. Valenzuela Anna Lorraine J. Maur

President and CEO VP for Finance

SUBSCRIBED AND SWORN to before me this ________ day of _______________________ at ________________________ ,

affiant exhibiting to me his/her TIN 131-074-676 and 912-284-145.

NOTARY PUBLIC
Book No. ______
Page No. ______
Series of ______
Form 2B (Revised June 2014)
Consolidated Balance Sheet
(Bank and Financial Subsidiaries)

Control Prooflist

Name of Bank
As of __________________

Account Code Current Quarter Previous Quarter

Cash and Cash Items 108000000000000000 0.00 0.00
Due from Bangko Sentral ng Pilipinas 105150000000000000 0.00 0.00
Due from Other Banks 105200000000000000 0.00 0.00
Financial Assets at Fair Value through Profit or Loss 112000000000000000 0.00 0.00
Available-for-Sale Financial Assets-Net 195200000000000000 0.00 0.00
Held-to-Maturity (HTM) Financial Assets-Net 195250000000000000 0.00 0.00
Unquoted Debt Securities Classified as Loans-Net 195300000000000000 0.00 0.00
Investments in Non-Marketable Equity Security-Net 195350000000000000 0.00 0.00
Loans and Receivables - Net 195400000000000000 0.00 0.00
Other Financial Assets 148000000000000000 0.00 0.00
Equity Investment in Subsidiaries, Associates and Joint Ventures-Net 195452500000000000 0.00 0.00
Bank Premises, Furniture, Fixture and Equipment-Net 195500500000000000 0.00 0.00
Real and Other Properties Acquired-Net 195501000000000000 0.00 0.00
Non-Current Assets Held for Sale 150150000000000000 0.00 0.00
Other Assets-Net 152000000000000000 0.00 0.00
Net Due from Head Office/Branches/Agencies, if any (Phil. branch of a foreign bank) 155250000000000000 0.00 0.00
TOTAL ASSETS 100000000000000000 0.00 0.00
Financial Liabilities at Fair Value through Profit or Loss 208000000000000000 0.00 0.00
Deposit Liabilities 215000000000000000 0.00 0.00
Due to Other Banks 220050000000000000 0.00 0.00
Bills Payable 220100000000000000 0.00 0.00
Bonds Payable-Net 295201500000000000 0.00 0.00
Unsecured Subordinated Debt-Net 295202000000000000 0.00 0.00
Redeemable Preferred Shares 220250000000000000 0.00 0.00
Special Time Deposit 220300000000000000 0.00 0.00
Due to Bangko Sentral ng Pilipinas 230350000000000000 0.00 0.00
Other Financial Liabilities 240050000000000000 0.00 0.00
Other Liabilities 240100000000000000 0.00 0.00
Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign bank) 230850000000000000 0.00 0.00
TOTAL LIABILITIES 200000000000000000 0.00 0.00
TOTAL STOCKHOLDERS' EQUITY 300000000000000000 0.00 0.00
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 905000000000000000 0.00 0.00
TOTAL CONTINGENT ACCOUNTS 400000000000000000 0.00 0.00
Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations
a. Total CAR (%) 499651000500000000 0.00 0.00
b. Tier 1 Ratio (%) 499651001000000000 0.00 0.00
c. Common Tier 1 Ratio (%) 1/ 499651001500000000 0.00 0.00
1/ Common Equity Tier 1 is only applicable to all Universal and Commercial Banks and their subsidiary banks.

Republic of the Philippines)

) s.s.

I/We, ______________________________________ and _______________________________ of the above-

mentioned bank do solemnly swear that all matters set forth in the above balance sheet are true and correct to the best of
my/our knowledge and belief.

Comptroller President

SUBSCRIBED AND SWORN to before me this ________ day of _______________________ at

___________________________, affiant exhibiting his/her/their Community Tax Certificate No. _____________________,
issued at _______________________ on __________________ and Community Tax Certificate No._________________,
issued at _______________________ on __________________.

NOTARY PUBLIC
Book No. ______
Page No. ______
Series of ______