BANKO ZAMBALEÑO (BZI) INC ( A RURAL BANK)

Poblacion, Candelaria, Zambales

CONSOLIDATED
Asset Quality System (AQRS)
As of DECEMBER 29, 2022

(Actual Booked)
Sta. Cruz Rem. Balance AGRI AGRA SME SALARY LOAN GLLP ECL Required ACL Difficiency/Cushion
Individually 4,085,688.45 142,189.36 447,172.54 1,625,303.09 1,871,023.46 47,930.00 73,504.06 404,451.18 496,015.53 91,564.35
collectively 799,297.53 106,642.50 160,000.00 108,256.65 424,398.38 13,910.00 2,173.23 113,867.98 246,815.89 132,947.91
Total Loan Portfolio 4,884,985.98 248,831.86 607,172.54 1,733,559.74 2,295,421.84 61,840.00 75,677.29 518,319.16 742,831.42 224,512.26 -
#REF! - - - -
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 MAIN

Name of Borrower Type Co makers/Securities Granted Due Amount Balances

ECL Required
1 Morte Floridel SL REM TD# 006-0177 2/15/2022 2/5/2024 1,200,000.00 779,000.69
2 Merindo Robert SE w/PDC ,Arlene Madronio/ Reynaldo Mardo Jr./ John Emil Corom/ J 11/26/2021 11/16/2023 1,000,000.00 527,139.92 26,357.00 -
3 Educalane Dennis SE KOT P-25708 REM TD#002-0549 12/22/2021 12/12/2023 600,000.00 457,821.78 118,754.52
4 Bartolome Florante AGRA Mac Eay/Jean Dela Peña 10/03/18 10/02/20 550,000.00 267,172.54 285,696.66
5 Antiguo Mark SE w/PDC ,Roldan Antiguo/ Manuel Antiguo/ Ruth Antiguo/ Honelyn Ri 6/15/2022 5/30/2025 300,000.00 266,557.18
6 Ecijan karla Emirose SL Karl Marx Ecijan/Carlito Ecijan/Ma.Lourdes Reglos/Efren Bautista/Mac E 9/30/2022 9/19/2024 200,000.00 180,621.70
7 Bautista Joseph AGRA Bernard Bautista / Valeriano Laconsay 08/08/22 02/04/23 180,000.00 180,000.00 9,000.00
8 Echon Francis SL REM TD# 006-0313 Floreta Echon/ Gavino Dela Cruz 4/25/2022 4/7/2025 200,000.00 169,508.19 8,475.41
9 Pulido Mary Ann SE Cynthia De Dios/ Victor Dinoso/ Fegelyn Ebalo/ Arnel Ebalo/ Ofelia Pulid 10/20/2021 10/10/2023 300,000.00 145,365.39 7,268.27
10 Pagaduan Jullie Ann SE Disodada Eviota/ Jojo Mayor/ Queeny Pagaduan/ Wilfredo Mayor 8/13/2022 2/4/2024 183,000.00 148,418.82 7,420.94
11 Ejan Jessie AGRI KOT -P16749 & TD No. 014-0345 12/22/2021 12/12/2023 250,000.00 142,189.36 7,109.47
12 Manuel Lennald SL Helen Estella/ Jose Echaluse/ Eata Perla 07/14/22 07/14/23 200,000.00 122,865.67
13 Hebron Shirley SL Joana Marie Saberon/Eddie Bacho/David Amistad/Irene Hebron 12/23/22 12/18/23 100,000.00 100,000.00
14 Madriaga Maureen SL Sherrylene Madriaga/ Dalia Madriaga/ Daisy Madriaga/ Marife Toledo 4/7/2022 3/22/2025 120,000.00 98,613.43
15 Eclarinal Jennifer SL Kier Eblacas/ Neri Eblacas/ Rolando Eblacas/ Lani Echon 11/17/2022 11/1/2025 100,000.00 97,887.00
16 Alop Joy SL Veneranda Alop/Loida Atrero/Irna Lauron/Shirley Basa 10/22/2022 10/17/2023 100,000.00 85,067.27
17 Manzano Nicole SE Richard Doctor Manzano/Ma.niren Cassandra/Maria Crisatina Manzano/ 12/14/2022 12/3/2022 80,000.00 80,000.00
18 Salazar,Jessa SL Gema Maca/Carlo Ebilane/Yolando Salazar/John Vincent Esguerra 12/14/2022 12/3/2024 80,000.00 80,000.00
19 Bacho Eddie SL Eli
NoraBacho/Shirley
Bacho/ EdselHebron/Irene Hebron/Edsel
Hebron /Shirley Hebron
Hebron/ Irine Hebron
9/19/2022 9/8/2024 100,000.00 79,927.50 3,996.38
20 Bacho, Marshen SL 6/28/2022 6/27/2024 100,000.00 77,532.01 3,876.60

4,085,688.45 73,504.06 404,451.18

(Actual Booked)
ACL Difficiency/Cushion Remarks
91,564.35 91,564.35
- -
118,754.52 -
285,696.66 -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -

496,015.53 91,564.35 -
 SECURED LOANS
STAGE 1 EXPECTED CREDIT LOSSES

Name Address Date Granted Date Due Orig. Amount Balance Interest Rate Collateral # of days Pastdue GLLP ECL Actual Booked ACL Required Diffeciency/Cushion
12/29/2022
SALARY-BASED

- -
- -
-

- - - - - -

TOTAL - - - - - -
Number of accounts -

UNSECURED LOANS
EXPECTED CREDIT LOSSES

Name Address Date Granted Date Due Orig. Amount Balance Interest Rate Collateral # of days Pastdue GLLP ECL Actual Booked ACL Required Diffeciency/Cushion
12/29/2022

AGRARIAN REFORM LOANS

1 Eay Samson Malabon Candelaria 10/29/2022 3/28/2023 45,000.00 45,000.00 24% UNS,4 co-maker satatement -89 450.00 4,000.00 4,000.00
2 Echon Jessie Taposo Candelaria 11/15/2022 4/14/2023 30,000.00 30,000.00 24% UNS , 2 co-maker statement -106 300.00 5,000.00 5,000.00
3 Eclarinal Josefino Pamibian Candelaria 11/5/2022 4/4/2023 35,000.00 35,000.00 24% UNS,4 co-maker satatement -96 350.00 4,000.00 4,000.00
4 Edades Leonides Pinagrealan Candelaria 11/15/2022 4/14/2023 50,000.00 50,000.00 24% UNS , 2 co-maker statement -106 500.00 5,000.00 5,000.00
160,000.00 1,600.00 18,000.00 18,000.00
-
OTHER AGRICULTURAL LOAN -
1 Coloma Joy Pamibian Candelaria 10/29/2022 2/26/2023 20,000.00 20,000.00 24% UNS,4 co-maker satatement -59 200.00 5,000.00 5,000.00
2 Echaure Roland Pinagrealan Candelaria 9/28/2022 1/26/2023 40,000.00 40,000.00 24% UNS , 2 co-maker statement -28 400.00 2,000.00 2,000.00
60,000.00 600.00 7,000.00 - 7,000.00
-
SMALL ENTERPRISES -
1 Atrero Alexander Malabon Candelaria 10/17/2022 1/25/2023 1,000.00 9,300.00 14% UNS , 2 co-maker statement -27 10.00 -
2 Edquid Richard Libertador, Candelaria 3/28/2022 3/23/2023 20,000.00 5,492.12 26% UNS , 4 co-maker statement -84 200.00 179.24 179.24
3 Guevarra Grace Poblacion candelaria 1/27/2021 1/17/2023 250,000.00 13,620.23 28% UNS,4 co maker statement -19 2,500.00 10,657.90 10,657.90
4 Martorillas Jona Poblacion candelaria 10/21/2022 10/1/2023 20,000.00 17,013.45 26% UNS,4 co maker statement -276 200.00 - -
45,425.80 ` 2,910.00 - 10,837.14 - 10,837.14
SALARY LOAN
1 Bautista John Ray Poblacion candelaria 6/8/2021 6/8/2023 50,000.00 15,201.28 28% UNS , 2 co-maker statement -161 500.00 4,739.56 4,739.56
2 Collado Eriberto Poblacion candelaria 2/14/2022 2/9/2023 50,000.00 9,251.28 26% UNS , 2 co-maker statement -42 500.00 1,120.27 1,120.27
3 Diosomito Jay Libertador Candelaria 2/2/2021 2/2/2023 250,000.00 26,512.09 30% UNS , 5 co-maker statement -35 2,500.00 16,014.42 16,014.42
4 Echipare Mariefe Malabon Candelaria 11/11/2022 11/5/2024 50,000.00 48,422.24 28% UNS , 4 co-maker statement -677 500.00
5 Edejer Rhoniel Malabon Candelaria 7/9/2021 7/9/2023 100,000.00 35,073.53 28% UNS , 2 co-maker statement -192 1,000.00 12,422.79 12,422.79
6 Eclevia Rosalyn Malimanga Candelaria 4/30/2021 4/30/2023 100,000.00 20,732.06 28% UNS , 4 co-maker statement -122 1,000.00 11,753.65 11,753.65
7 Fontillas Elizabeth Sinabacan Candelaria 10/21/2022 10/16/2023 30,000.00 25,520.18 26% UNS , 4 co-maker statement -291 300.00 - -
8 Navarro Cherry Mae Yamot Candelaria 1/8/2021 12/24/2023 100,000.00 43,609.45 30% UNS , 4 co-maker statement -360 1,000.00 26,313.74 26,313.74
9 Perez Gissele Dampay Candelaria 10/20/2021 10/19/2024 100,000.00 71,171.81 30% UNS,5 co maker statement -660 1,000.00 4,386.58 4,386.58
10 Sultan Justein Ross Malimanga Candelaria 8/18/2002 8/7/2024 50,000.00 43,464.62 28% UNS,4 co maker statement -587 500.00 2,173.23 - -
11 Tomas Rose Anne Dampay Candelaria 12/21/2020 12/21/2023 200,000.00 75,899.47 18% UNS,4 co maker statement -357
414,858.01 8,800.00 2,173.23 76,751.01 - 76,751.01
TOTAL 680,283.81 13,910.00 2,173.23 112,588.15 - 112,588.15
Number of accounts 21
 ESPECIALLY MENTIONED (UNDERPERFORMING)
STAGE 2
2%
1-30 Days
Name Address Date Granted Date Due Orig. Amount Balance Interest Rate Collateral # of days Pastdue Actual Booked ACL Required Diffeciency/Cushion
12/29/2022 2%

SALARY LOAN
-

1 Edolmo Denver Malimanga Candelaria 6/28/2022 12/25/2022 30,000.00 5,250.76 24% UNS , 4 co-maker statement 4 105.02 105.02 (0.00)

TOTAL 5,250.76 105.02 105.02 (0.00)

Number of accounts 1

SUB-STANDARD (NONPERFORMING)
STAGE 2
25%
31-60 Days
Name Address Date Granted Date Due Orig. Amount Balance Interest Rate Collateral # of days Pastdue Actual Booked ACL Required Diffeciency/Cushion
12/29/2022 25%

SMALL ENTERPRISES

TOTAL - - - -
Number of accounts -

DOUBTFUL (NONPERFORMING)
STAGE 3
25%
61-90 Days
Name Address Date Granted Date Due Orig. Amount Balance Interest Rate Collateral # of days Pastdue Actual Booked ACL Required Diffeciency/Cushion
12/29/2022 50%

NONE

TOTAL - - - -
Number of accounts -

LOSS (NONPERFORMING)
STAGE 3
100%
over 91 Days
Name Address Date Granted Date Due Orig. Amount Balance Interest Rate Collateral # of days Pastdue Booked Required Diffeciency/Cushion
12/29/2022 100%

OTHER AGRICULTURAL LOAN

1 Elamparo Aileen Malabon Candelaria 1/25/2018 5/29/2018 35,000.00 9,642.50 24% UNS , 2 co-maker statement 1675 10,292.50 9,642.50 650.00
2 Estella Ricky Yamot, Candelria 11/15/2018 2/13/2019 20,000.00 500.00 24% UNS , 4 co-maker statement 3,500.00 500.00 3,000.00
3 Eclarino Arvin Pinagrealan Candelaria 7/20/2019 12/17/2019 23,000.00 20,000.00 24% UNS , 2 co-maker statement 20,200.00 20,000.00 200.00
30,142.50 33,992.50 30,142.50 3,850.00

SMALL ENTERPRISES
1 Eviota, Marilou Sinabacan, Candelaria 1/19/2019 4/29/2019 11,400.00 3,799.00 14% UNS , 2 co-maker statement 1340 3,839.00 3,799.00 40.00
2 Gatdula Apple Pamibian, Candelaria 12/28/2019 1/1/2021 15,000.00 771.80 15% UNS , 2 co-maker statement 727 1,002.00 771.80 230.20
3 Jasmin, Luz Poblacion, Candelaria 08/12/11 9/11/2011 5,400.00 1.00 7% UNS , 2 co-maker statement 4127 1.00 1.00 -
4 Labandelo, Fernando Malabon, Candelaria 05/22/12 6/21/2012 2,000.00 1.00 7% UNS , 2 co-maker statement 3843 1.00 1.00 -
5 Lontoc, Maricel Poblacion, Candelaria 04/12/11 5/12/2011 3,000.00 1.00 7% UNS , 2 co-maker statement 4249 1.00 1.00 -
6 Malim, Catherine Malabon, Candelaria 09/29/12 10/29/2012 1,500.00 1.00 7% UNS , 2 co-maker statement 3713 1.00 1.00 -
7 Mirador Amy Uacon Candelaria 4/22/2015 7/31/2015 10,000.00 1.00 14% UNS , 2 co-maker statement 2708 1.00 1.00 -
8 Misa, Marycel Poblacion, Candelaria 03/31/11 4/30/2011 3,000.00 1.00 7% UNS , 2 co-maker statement 4261 1.00 1.00 -
4,576.80 4,847.00 4,576.80 270.20
SALARY LOAN
1 Cachipunan, Concepcion Tandang Sora, Q.C. 5/7/2013 11/3/2013 60,000.00 1.00 24% UNS , 2 co-maker statement 3343 1.00 1.00
2 De Vara, Alma Pinagrealan Candelaria 7/22/2019 1/18/2020 12,000.00 1,860.00 24% UNS , 2 co-maker statement 1076 7,002.56 1,860.00 5,142.56
3 Espineli,Julie Yamot Candelaria 4/25/2014 4/17/2014 4,000.00 2,427.61 24% UNS , 2 co-maker statement 3178 6,524.61 2,427.61 4,097.00
4 Flores, April Malabon Candelaria 8/15/2017 8/10/2018 20,000.00 1.00 24% UNS , 4 co-maker statement 1602 1.00 1.00 -
4,289.61 13,529.17 4,289.61 9,239.56
-
LITIGATION OTHER AGRICULTURAL CREDIT LOAN
1 Dela Llana Ana Marie Malimanga Candelaria 6/30/2017 12/27/2017 240,000.00 16,500.00 24% UNS , 2 co-maker statement 1828 20,000.00 16,500.00 3,500.00
16,500.00 20,000.00 16,500.00 3,500.00
-
-
LITIGATION SMALL ENTERPRISES
1 Engreso Irene Taposo Candelaria 10/2/2017 1/10/2018 440,000.00 1.00 14% UNS , 3 co-maker statement 1814 1.00 1.00 -
2 Escala Gina Babancal Candelaria 6/10/2017 9/18/2017 100,000.00 58,253.05 114% UNS , 4 co-maker statement 1928 61,753.05 58,253.05 3,500.00
58,254.05 61,754.05 58,254.05 3,500.00

TOTAL 113,762.96 134,122.72 113,762.96 20,359.76

Number of accounts 18

TOTAL 799,297.53 13,910.00 2,173.23 246,815.89 113,867.98 132,947.91

Number of accounts 40.00
 SECURED LOANS
STAGE 2 SUB-STANDARD (UNDERPERFORMING)
10%
1-30 Days
Name Address Date Granted Date Due Orig. Amount Balance Interest Rate Collateral # of days Pastdue Booked Required Diffeciency/Cushion
8/31/2022 10%
-

TOTAL - - - -
Number of accounts -

STAGE 2 SUB-STANDARD (UNDERPERFORMING)

10%
31-90 Days
Name Address Date Granted Date Due Orig. Amount Balance Interest Rate Collateral # of days Pastdue Booked Required Diffeciency/Cushion
8/31/2022 10%

TOTAL - - - -
Number of accounts -

STAGE 3 SUB-STANDARD (NONPERFORMING)

10%
91- 180 Days
Name Address Date Granted Date Due Orig. Amount Balance Interest Rate Collateral # of days Pastdue Booked Required Diffeciency/Cushion
8/31/2022 10%

TOTAL - - - -
Number of accounts -

STAGE 3 SUB-STANDARD (NONPERFORMING)

25%
181- 365 Days
Name Address Date Granted Date Due Orig. Amount Balance Interest Rate Collateral # of days Pastdue Booked Required Diffeciency/Cushion
8/31/2022 25%

TOTAL - - - -
Number of accounts -

STAGE 3 DOUBTFUL (NONPERFORMING)

50%
Over 1 year - 5years
Name Address Date Granted Date Due Orig. Amount Balance Interest Rate Collateral # of days Pastdue Booked Required Diffeciency/Cushion
8/31/2022 50%

OTHER LOAN
 -

TOTAL - - - -
Number of accounts -

STAGE 3 LOSS (NONPERFORMING)

100%
Over 1 year - 5years
Name Address Date Granted Date Due Orig. Amount Balance Interest Rate Collateral # of days Pastdue Booked Required Diffeciency/Cushion
8/31/2022 100%

OTHER LOAN

TOTAL - - - -
Number of accounts -

UNSECURED LOANS
STAGE 2 ESPECIALLY MENTIONED (UNDERPERFORMING)
5%
1-30 Days
Name Address Date Granted Date Due Orig. Amount Balance Interest Rate Collateral # of days Pastdue Booked Required Diffeciency/Cushion
8/31/2022 5%
OTHER AGRICULTURAL LOAN CREDIT -

TOTAL - - - -
Number of accounts -

STAGE 2 SUB-STANDARD (UNDERPERFORMING)

10%
31-90 Days
Name Address Date Granted Date Due Orig. Amount Balance Interest Rate Collateral # of days Pastdue Booked Required Diffeciency/Cushion
8/31/2022 10%

TOTAL - - - -
Number of accounts -

STAGE 3 SUB-STANDARD (NONPERFORMING)

25%
91 - 120 Days
Name Address Date Granted Date Due Orig. Amount Balance Interest Rate Collateral # of days Pastdue Booked Required Diffeciency/Cushion
8/31/2022 25%

TOTAL - - - -
Number of accounts -

STAGE 3 DOUBTFUL (NONPERFORMING)

50%
121- 180 Days
Name Address Date Granted Date Due Orig. Amount Balance Interest Rate Collateral # of days Pastdue Booked Required Diffeciency/Cushion
8/31/2022 50%
 OTHER LOAN

TOTAL - - - -
Number of accounts -

STAGE 3 LOSS (NONPERFORMING)

100%
over 181 Days
Name Address Date Granted Date Due Orig. Amount Balance Interest Rate Collateral # of days Pastdue Booked Required Diffeciency/Cushion
8/31/2022 100%

OTHER LOAN

TOTAL - - - -
Number of accounts -

TOTAL - - - -
Number of accounts - - - -
 BOOKED REQUIRED
CURRENT 204,257.52 204,257.52
SUBSTANDARD UNS - -
SUBSTANDARD SEC 118,754.52 118,754.52
DOUBTFUL - -
LOSS 419,819.38 399,459.62
742,831.42 722,471.66