5   BALANCE SHEET STRUCTURE
Philippine Banking System
as of end of periods indicated
in percent
Major Accounts		1999					2000
		Mar	June	Sept	Dec		Mar	June	Sept	Dec
All Banks
Total Assets		100.0	100.0	100.0	100.0		100.0	100.0	100.0	100.0
	Cash and due from banks	12.0	11.6	10.5	11.5		10.2	11.6	10.6	11.1
	Loans (net) 1/	58.0	57.2	57.9	55.9		55.1	52.9	53.6	52.2
	Investments (net)	17.6	18.1	17.4	17.4		19.2	19.7	19.3	20.3
	Other assets	12.4	13.1	14.2	15.3		15.5	15.8	16.5	16.4
Total Liabilities and Capital		100.0	100.0	100.0	100.0		100.0	100.0	100.0	100.0
	Deposits	64.6	64.2	64.7	65.0		65.5	65.1	64.9	64.5
	Biils Payable	11.5	12.0	11.1	11.8		11.0	11.6	11.9	12.8
	Special Financing	0.2	0.2	0.2	0.2		0.1	0.1	0.1	0.1
	Other Liabilities	9.2	9.1	9.1	8.5		8.7	8.8	9.0	9.1
	Capital accounts	14.5	14.5	14.9	14.5		14.8	14.4	14.2	13.6
Universal and Commercial Banks
Total Assets		100.0	100.0	100.0	100.0		100.0	100.0	100.0	100.0
	Cash and due from banks	12.0	11.7	10.5	11.6		10.1	11.6	10.6	11.0
	Loans (net) 1/	57.9	56.9	57.5	55.7		54.8	52.3	53.1	51.8
	Investments (net)	18.4	19.0	18.3	18.0		20.1	20.8	20.3	21.3
	Other assets	11.6	12.4	13.6	14.7		15.0	15.3	16.0	16.0
Total Liabilities and Capital		100.0	100.0	100.0	100.0		100.0	100.0	100.0	100.0
	Deposits	64.8	64.4	65.0	65.4		65.9	65.4	65.2	64.8
	Biils Payable	11.5	12.2	11.1	11.9		11.2	11.8	12.0	12.8
	Special Financing	0.1	0.1	0.1	0.1		0.1	0.1	0.1	0.1
	Other Liabilities	9.3	9.2	9.3	8.5		8.6	8.8	9.2	9.2
	Capital accounts	14.2	14.1	14.5	14.1		14.3	13.9	13.6	13.0
Thrift Banks
Total Assets		100.0	100.0	100.0	100.0		100.0	100.0	100.0	100.0
	Cash and due from banks	11.0	9.7	7.7	7.9		8.2	9.4	9.7	11.1
	Loans (net) 1/	56.0	57.2	60.1	55.8		57.1	56.8	56.9	54.1
	Investments (net)	12.1	12.2	10.1	14.3		12.4	11.9	11.3	12.7
	Other assets	20.8	20.8	22.0	22.0		22.3	21.9	22.0	22.1
Total Liabilities and Capital		100.0	100.0	100.0	100.0		100.0	100.0	100.0	100.0
	Deposits	62.5	62.8	61.6	61.2		61.2	61.9	61.4	60.2
	Biils Payable	11.1	10.3	11.0	10.0		9.2	9.8	10.6	12.7
	Special Financing	0.6	0.5	0.6	0.5		0.2	0.2	0.2	0.1
	Other Liabilities	8.1	7.2	7.2	8.7		9.2	8.4	7.3	7.5
	Capital accounts	17.7	19.1	19.6	19.5		20.2	19.7	20.5	19.4
Rural and Cooperative Banks
Total Assets		100.0	100.0	100.0	100.0		100.0	100.0	100.0	100.0
	Cash and due from banks	15.7	16.2	16.2	16.4		17.7	17.7	16.7	17.8
	Loans (net)	68.2	67.5	66.9	66.2		64.1	63.2	62.8	61.5
	Investments (net)	2.7	2.7	2.9	2.3		3.3	3.6	4.0	4.0
	Other assets	13.5	13.6	14.0	15.1		14.9	15.6	16.4	16.7
Total Liabilities and Capital		100.0	100.0	100.0	100.0		100.0	100.0	100.0	100.0
	Deposits	62.7	63.6	62.7	59.4		63.1	63.9	63.5	63.5
	Biils Payable	12.5	12.4	12.7	14.8		11.7	11.0	12.2	13.2
	Special Financing	0.5	0.5	0.4	0.5		0.4	0.4	0.5	0.4
	Other Liabilities	8.6	8.2	8.1	9.0		8.7	8.3	7.0	6.4
	Capital accounts	15.7	15.3	16.0	16.3		16.1	16.3	16.8	16.6
1/ Inclusive of Interbank Loans Receivable
Source: Supervisory Reports and Studies Office, Supervision and Examination Sector
Updated as of 12 March 2004