IMPORTANT!

How to use the APA Calculator:

Step 1: Input Account Information - Note 2: For Peso Bookings and
- Company Name mouse over the colum
- ICRRS Rating
- Account Classification - Note 3: Once completely filled
- Credit Strategy the "Existing Portfolio"
Step 2: Input all Reference Rates actual loans ADB and
- FTP Benchmarks (both long term and short term FTPs).
- Kindly make sure that the FTP used matches the FTP of the projected loan. Step 4: Input all off-balance sh
- USD/PHP Exchange Rate
Step 3: Accomplish TABS: Step 5: Input Projected loan A
> Peso Bookings (in "PHP Bookings" tab) and
> USD Loan Bookings (in "USD Bookings" tab). Step 6: Press "Recommended
whichever you need.
- Note 1: Input all loan bookings that cross into the calendar year and loan Note:
bookings for the calendar year. The Calculator is pegged to gen
RORA requirement in complianc
T!

For Peso Bookings and USD Bookings tab, hover your

mouse over the column headings for further instructions.

Once completely filled out, the data will automatically populate

the "Existing Portfolio" portion of the APA Calculator with your
actual loans ADB and net interest income.

nput all off-balance sheet items

nput Projected loan ADB and interest rate

Press "Recommended Interest Rate" or "Compute CASA",

whichever you need.

ulator is pegged to generate values to reach the minimum

quirement in compliance of IOL No. 12 of 2011
 APA version 17.4 Y2023 Facility: 1 of 1

OFFER RATE CONFIRMATION SHEET ###

###
ING
Account Name:
WILMAR EDIBLE OILS PHILS.
Date Prepared 2/13/2024
CORP ###
SHEET 948-0503-2023 From: To:
Reference No.: ###

Short Term PHP FTP 5.500% Period Covered 2/13/2024

Type of Facility Omnibus Line ###

Currency Benchmark As of: ###
Rate Based on ERCA
Reference Number: PHP 3M FTP October 2, 2023 ###
Benchmark Spread GRT Rate Based on ERCA ###
328806 5.500% 0.500% 0.316% 6.316%
Prescribed RORA based ICRRS Rating Required RORA:
on ICRRS Rating 3 1.00%
Resulting RORA of PHP
Borrower
14.403% USD
Projected Net Income PHP 135,616.44
from Loans
Projected Overall PHP 8,680,983.74
Income
Date:
Last Rate Adjustment
N.A N.A YTD Net Spread on Short Term PHP FTP
Change in Repricing
Frequency? No

FROM: N/A TO: N/A

YTD Net Spread on Long Term PHP FTP

Approval Criteria: Rate with Other Banks YTD Net Spread on Short Term USD FTP
Is rate within ERCA spread? No Group Approval? Bank Rate YTD Net Spread on Long Term USD FTP
Within RORA Requirement? Yes Yes BDO No loan balance
Change in Repricing Frequency? No RCBC No loan balance
Positive Net Spread? Yes
Special Tagging: Agri-Agra

Rate to Client 5.500% Per Annum as long as FTP does not go above 5.500%

Net Spread for YTD Net Spread on Short

Approval 0.22500% Term PHP FTP 0.000% Net Spread for Approval
###
###
Required Approval: Center Head ###
###
Account Profitability Analysis 2023 ###
Depositor Since: 2007 Borrower Since: 2007 ###

As of 2023 Projected
Net Income PHP 5,509,934.50 PHP 8,680,983.74
RORA 0.000% 14.403%
Total Risk Assets PHP 0.00 PHP 60,273,972.60
CASA ADB PHP 176,787,291.32 PHP 176,787,291.32
Time Deposits PHP 0.00 PHP 0.00
FX Volume N/A $ -

Account Name CASA Total Risk Assets Total Income RORA

WILMAR EDIBLE OILS PHILS. COR PHP 176,787,291.32 PHP 60,273,972.60 PHP 8,680,983.74 14.40%

Back-to-Back

Other Borrowers PHP 0.00 - PHP 0.00

Non-Borrowing (PHP CASA) PHP 0.00 PHP 0.00
Non-Borrowing (USD CASA) $ - -
Total PHP 176,787,291.32 PHP 60,273,972.60 PHP 8,680,983.74 14.40%

Justification:
> Client is requesting for special rate of 5.50%. Client has approved credit facilities of P1.8B with BDO and P1.2B with RCBC.
No loan balance per confirmation with RCBC.
> Group CASA as of December 2023 is P176.79MM.
> Projected net income from loan for the account is P8.60M with RORA of 14.40%.

No

Hilari Ysabelle J. Juan Aminoding B. Benito Mikee R. De Leon Yes

Relationship Associate Relationship Manager Division Head No
No
No
John Paul V. Tan
Center Head
 BORROWER: WILMAR EDIBLE OILS PHILS INC.
RORA REQUIREMENT 1.0000% Account Classification: Pass
ICRRS RATING: 3 Credit Strategy: Maintain
Date Prepared: 2/13/2024
PRO-FORMA APA Reference Number: 948-0503-2023
Benchmark PHP [Short Term FTP] 5.500% Special Tagging: Agri-Agra
Benchmark PHP [Long Term FTP] 6.125% FTP Reduction: 0.50%
Benchmark USD [Short Term FTP] 5.500% FX Rate: P/$ 56.50
Benchmark USD [Long Term FTP] 4.125% CASA Benchmark 5.500%
PHP B/E Lending Rate 8.000% FCDU CASA Benchmark 5.500%
USD B/E Lending Rate 5.000% Reserve Requirement 12.000%
Revenues/
LOANS ADB Yield (Expenses) [in PHP]
EXISTING PORTFOLIO
1 PHP Short Term - 0% -
2 PHP Term Loan - 0% -
3 PHP Back-to-Back Loan - 0% -
4 USD Short Term [in PHP] - 0% -
5 USD Term Loans [in PHP] - 0% -
6 USD Back-to-Back Loan [in PHP] - 0% -
THIS REQUEST [NEW] ADB Gross Rate
6 PHP Short Term 60,273,973 5.50000% 3,149,315
7 PHP Term Loan 0.00000% -
8 PHP Back-to-Back Loan 0.00000% -
9 USD Short Term [in $] 0.00000% -
10 USD Term Loans [in $] 0.00000% -
11 USD Back-to-Back Loan [in $] 0.00000% -
TOTAL RISK ASSETS [in PHP] 60,273,973 3,149,315
DEPOSITS
12 PHP Demand Deposits 0.00000% -
13 PHP Savings Deposits 176,787,291 0.00630% (11,138)
14 PHP Time Deposits 0 0.00000% -
15 PHP Holdout Amount - 0.00000% -
PHP Own Funds 176,787,291 (11,138)
16 USD Demand Deposits $0 0.00000% -
17 USD Savings Deposits $0 0.00445% -
18 USD Time Deposits $0 0.00000% -
19 USD Holdout Amount $0 0.00000% -
USD Own Funds $0 -
20 Cost of Fund (Loans FTP) 60,273,973 5.00000% (3,013,699)
21 CASA Income (Net of RR) 155,572,816 5.50000% 8,556,505
22 Back-to-Back Expense - 0.00000% -
23 Back-to-Back CASA Income - 0.00000% -
24 TD Income - 0.00000% -
NET LOAN REVENUE / (LOSS) 8,680,984

OFF BALANCE SHEET ITEMS: Volume Yield Income/(Expense)

25 Payment Guarantees - 0.00000% -
26 Performance Bonds / Bid Bonds - 0.00000% -
27 LC / Non-LC Trade Facilities - 0.00000% -
28 Total Off-Balance Sheet - -
Total Weighted Risk Assets - -

29 FX Income 0.00000%

OTHER COST & EXPENSES

30 Loan Loss Provisioning -
31
32
33
34
35
36 Other Income
37 Total Other Costs/Expenses 0

38 TOTAL RISK ASSETS 60,273,972.60

39 OVERALL INCOME / (LOSS) 8,680,984
40 RETURN ON RISK ASSETS [RORA] 14.403%
41 RETURN ON FUNDS EMPLOYED [ROFE] -9.109%

Breakdown of Income Drivers

9,000,000 8,545,367
8,000,000
7,000,000
6,000,000
5,000,000
4,000,000
3,000,000
2,000,000
1,000,000
135,616 - - - - -
-
Loan Income CASA NET Back-to-Back TD NET Income FX Income Off Balance Other Items
Income Loans Sheet Income
Account Name: WILMAR EDIBLE OILS PHILS INC. Date Prepared 5/25/2018
ERCA Reference Number: 143309 From To:

3.375% Period Covered 30-May-18 30-Jun-18

FTP Benchmark

Type of Facility Working Capital Line

Currency Benchmark As of

PHP 1M FTP 5/25/2018

Rate Based on ERCA
Benchmark Spread GRT Rate Based on ERCA

3.3750% 1.00% 0.219% 4.605%

ICRRS Rating Required RORA:

Prescribed RORA based on ICRRS Rating
3 1.00%

Resulting RORA based on Loan Pricer 14.403%

Resulting Net Income from Loans PHP 135,616.44

Overall Income PHP 8,680,983.74

Date: Previous Rate:

Last Rate Adjustment
April 2018 5.50%

APPROVAL CRITERIA Rate with Other Banks

Is rate within ERCA spread? Bank Rate

Is RORA within ICRRS Rating? YES

Is rate within FTP, net of GRT? YES

Peso Rate to Client: 5.5000% per annum

Required Approval:
Division Head
Justification:

hjhj

Relationship Associate Relationship Manager Division Head

 Principal Start Next FTP Upon
PN Number Facility Type Rate to Client
in PHP Repricing Date Repricing Date Release
Omnibus Line Term Loans Total
Loans ADB PHP - PHP - PHP -
Loan Revenues PHP - PHP - PHP -
Cost of Funds PHP - PHP - PHP -

Net Loan Income PHP - PHP - PHP -

Net Spread 0.00% 0.00% 0.00%
 Principal Start Next FTP upon
PN Number Facility Type Rate to Client
(in USD) Repricing Date Repricing Date Release
Omnibus Line

Summary
Omnibus Line Term Loans Total
Loans ADB in USD $ - $ - $ -
Loans ADB in PHP PHP - PHP - PHP -
Loan Revenues PHP - PHP - PHP -
Cost of Funds PHP - PHP - PHP -
Net Loan Income PHP - PHP - $ -
Net Spread 0.00% 0.00% 0.00%
 Break-Even
Principal Start Next
PN Number Rate to Client Lending Rate
in PHP Repricing Date Repricing Date
Upon Release

Summary:
Back-to-Back Loans
Loans ADB PHP -
Loan Revenues PHP -
Cost of Funds PHP -
Net Loan Income PHP -
Net Spread 0.00%
 Break-Even
Principal Start Next
PN Number Rate to Client Lending Rate
(in USD) Repricing Date Repricing Date
Upon Release

Summary
Omnibus Line
Loans ADB in USD $ -
Loans ADB in PHP PHP -
Loan Revenues PHP -
Cost of Funds PHP -
Net Loan Income PHP -
Net Spread 0.00%
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Account Name CASA Total Risk Assets Total Income RORA
Account Name Currency CASA
TERM LOAN CALCULATOR
WIND DOWN TERM LOANS

OUTSTANDING
Term Loan Number 2023 YTD ADB BALANCE as of 2023 Monthly Amortization
TL1
TL2
TL3
TL4
TL5
TL6
TL7
TL8
TL9
TL10
TL11
TL12
TL13
TL14
TL15
TL16
TL17
TL18
TL19
TL20
TOTALS - -

Note: This file is not linked to the APA CALCULATOR or any other TABs in this file

Instructions:
> For Existing TLs
> Indicate Outstanding Loans as of December 31, 2019 in column C.
> For Loans with Equal Amortizations, you may input Monthly or Quarterly Amortization on Columns D and E

> For New TLs

> Columns B and C may be left blank
> Indicate the actual Amount of the Loan under the Month of which it is expected to be booked
> 2020 Projected Loan ADB will be computed automatically

> For Mixed and Multiple Transactions

Future Staggered availments : Indicate the actual Amount of the Loan under the Month of whic
Amortizing Existing loans : You may use the wind down formulas or simply input (-) (negative
Accelerating Amortizations : Input (-) negative values during the months as pre scheduled
Unexpected Drawdowns or Payments : input (+) Positive Values if bookings or (-) Negative values for Paym
 WIND DOWN TERM LOANS
ADB Effect of Monthly 2023 YTD ADB
Quarterly Amort for the year Contribution from 2023 PROJECTED
Amortization 2023 new Term Loans LOAN ADB JANUARY
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -

Amortization on Columns D and E

pected to be booked

mount of the Loan under the Month of which it is expected to be booked

d down formulas or simply input (-) (negative values during the months)
ues during the months as pre scheduled
es if bookings or (-) Negative values for Payments
 Term Loan Bookings/Payments - Reflect the amount of the

FEBRUARY MARCH APRIL MAY JUNE

ments - Reflect the amount of the TL to be booked

JULY AUGUST SEPTEMBER OCTOBER NOVEMBER

DECEMBER