5   BALANCE SHEET STRUCTURE
Philippine Banking System
as of end of periods indicated
in percent
Major Accounts		2001					2002
		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	10.7	11.0	9.7	9.2		9.7	9.4	9.1	9.6
	Loans (net) 1/	50.3	49.9	50.0	51.3		51.2	49.5	49.8	49.0
	Investments (net)	22.6	22.4	23.7	23.3		22.9	24.4	24.5	25.3
	Other assets	16.4	16.6	16.6	16.2		16.2	16.7	16.6	16.1
Total Liabilities and Capital		100.0	100.0	100.0	100.0		100.0	100.0	100.0	100.0
	Deposits	65.4	66.9	66.4	67.5		67.6	67.3	67.4	67.7
	Biils Payable	11.9	11.1	11.5	10.5		9.9	10.8	10.0	10.3
	Special Financing	0.1	0.1	0.1	0.1		0.1	0.1	0.0	0.0
	Unsecured Subordinated Debts	0.0	0.0	0.0	0.0		0.0	0.0	0.0	0.0
	Other Liabilities	8.5	8.3	8.5	8.3		8.6	8.3	8.7	8.6
	Capital accounts	14.1	13.7	13.6	13.6		13.8	13.6	13.8	13.4
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	10.8	11.0	9.7	9.0		9.7	9.3	8.9	9.4
	Loans (net) 1/	49.6	49.3	49.4	50.9		50.7	48.7	49.1	48.2
	Investments (net)	23.8	23.6	24.9	24.6		24.1	25.9	25.9	26.7
	Other assets	15.8	16.1	16.0	15.5		15.5	16.1	16.1	15.7
Total Liabilities and Capital		100.0	100.0	100.0	100.0		100.0	100.0	100.0	100.0
	Deposits	65.7	67.1	66.5	67.7		67.7	67.2	67.3	67.7
	Biils Payable	11.9	11.2	11.6	10.5		10.1	11.0	10.1	10.4
	Special Financing	0.1	0.1	0.1	0.1		0.0	0.0	0.0	0.0
	Unsecured Subordinated Debts	0.0	0.0	0.0	0.0		0.0	0.0	0.0	0.0
	Other Liabilities	8.7	8.5	8.7	8.5		8.8	8.5	8.9	8.9
	Capital accounts	13.6	13.2	13.1	13.2		13.4	13.3	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	7.2	8.1	7.7	8.7		7.4	7.5	7.8	8.3
	Loans (net) 1/	55.8	55.5	55.3	54.3		54.9	55.7	55.5	56.6
	Investments (net)	14.1	13.5	13.7	13.6		12.9	13.2	13.6	14.1
	Other assets	22.9	22.8	23.3	23.5		24.9	23.6	23.1	21.1
Total Liabilities and Capital		100.0	100.0	100.0	100.0		100.0	100.0	100.0	100.0
	Deposits	62.0	64.9	64.6	65.4		66.9	68.4	68.6	68.2
	Biils Payable	11.4	10.2	10.1	10.3		8.5	8.7	8.1	8.9
	Special Financing	0.1	0.1	0.1	0.1		0.1	0.1	0.1	0.1
	Unsecured Subordinated Debts	0.0	0.0	0.0	0.0		0.0	0.0	0.0	0.0
	Other Liabilities	7.2	6.3	6.7	6.4		7.1	6.7	7.3	6.0
	Capital accounts	19.3	18.5	18.5	17.7		17.4	16.2	15.9	16.8
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	18.1	18.8	17.1	18.0		18.1	19.0	17.8	18.6
	Loans (net)	60.4	59.3	60.8	60.1		59.6	58.8	60.0	59.5
	Investments (net)	4.6	4.9	5.2	4.7		4.8	5.2	5.2	5.0
	Other assets	16.9	17.0	16.9	17.2		17.5	17.0	17.0	16.9
Total Liabilities and Capital		100.0	100.0	100.0	100.0		100.0	100.0	100.0	100.0
	Deposits	65.1	66.3	66.3	66.0		66.9	68.0	67.7	67.7
	Biils Payable	11.6	10.8	10.4	11.1		10.2	9.7	9.8	10.3
	Special Financing	0.4	0.3	0.3	0.3		0.3	0.3	0.2	0.3
	Unsecured Subordinated Debts	0.0	0.0	0.0	0.0		0.0	0.0	0.0	0.0
	Other Liabilities	6.4	6.4	6.3	6.2		6.0	6.1	5.6	5.5
	Capital accounts	16.5	16.1	16.6	16.5		16.6	16.0	16.7	16.3
1/ Inclusive of Interbank Loans Receivable
Source: Supervisory Reports and Studies Office, Supervision and Examination Sector
Updated as of 12 March 2004