26/01/2024, 12:08 ALIAGA FARMERS RURAL BANK INC.

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ALIAGA FARMERS RURAL BANK INC
Published Balance Sheet
Amounts in Philippine Pesos
As of 31 December 2022

ASSETS
Current Quarter Previous Quarter
Cash and Cash Items 34,557,714.39 43,846,970.82
Due from Bangko Sentral ng Pilipinas 10,482,387.10 10,482,387.10
Due from Other Banks 63,528,904.99 59,314,130.84
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 2,000,000.00 2,000,000.00
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 320,429,898.34 300,562,530.87
Loans to Bangko Sentral ng Pilipinas 0.00 0.00
Interbank Loans Receivable 0.00 0.00
Loans and Receivables - Others 324,663,801.90 304,796,434.43
Loans and Receivables Arising from RA/CA/PR/SLB 0.00 0.00
General Loan Loss Provision 4,233,903.56 4,233,903.56
Other Financial Assets 5,914,848.06 6,400,036.59
Equity Investment in Subsidiaries, Associates and Joint Ventures-Net 0.00 0.00
Bank Premises, Furniture, Fixture and Equipment-Net 6,091,574.93 6,310,769.74
Real and Other Properties Acquired-Net 88,624,259.94 91,995,558.70
Non-Current Assets Held for Sale 0.00 0.00
Other Assets-Net 1,787,160.05 6,008,581.29
Net Due from Head Office/Branches/Agencies, if any (Philippine branch of a foreign bank) 0.00 0.00
TOTAL ASSETS 533,416,747.80 526,920,965.95

LIABILITIES
Financial Liabilities at Fair Value through Profit or Loss 0.00 0.00
Deposit Liabilities 351,271,255.59 334,572,535.77
Due to Other Banks 0.00 0.00
Bills Payable 39,200,000.00 46,612,883.34
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 39,200,000.00 46,612,883.34
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 2,081,676.55 2,277,919.13
Other Liabilities 11,901,504.24 11,511,743.68
Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign bank) 0.00 0.00
TOTAL LIABILITIES 404,454,436.38 394,975,081.92

STOCKHOLDERS' EQUITY
Capital Stock 63,490,600.00 63,490,600.00
Other Capital Accounts 0.00 17,702,418.24
Retained Earnings 65,471,711.42 50,752,865.79
Assigned Capital 0.00 0.00
TOTAL STOCKHOLDERS' EQUITY 128,962,311.42 131,945,884.03
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 533,416,747.80 526,920,965.95

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 528.00 513.00
TOTAL CONTINGENT ACCOUNTS 528.00 513.00
OTHER INFORMATION
Gross Total Loan Portfolio (TLP) 415,369,842.19 395,502,474.72
Specific provision for loan losses 90,706,040.29 90,706,040.29
Non-Performing Loans (NPLs)
a. Gross NPLs 134,903,815.85 124,863,856.19
b. Ratio of gross NPLs to gross TLP (%) 32.48 31.57
c. Net NPLs 77,614,110.16 68,194,976.98
d. Ratio of Net NPLs to gross TLP (%) 18.69 17.24
e. Ratio of total allowance for credit losses to gross NPLs (%) 70.38 76.03
f. Ratio of specific allowance for credit losses on the gross TLP to gross NPLs (%) 67.24 72.64
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 55.35 60.07
b. 2% for Medium Enterprises 0.00 0.00
Return on Equity (ROE) (%) 0.00 0.00
Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations
a. Total CAR 21.43 22.56
b. Tier 1 CAR 20.75 21.85
c. Common Tier 1 Ratio (%) 1/ 0.00 0.00

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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: Posted in the most conspicuous area of its premises: in the municipal
building / municipal public market / barangay hall / barangay public market, where the head office
and all its branches are located.
Newspaper Published on: 18-Jan-2023

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