5   BALANCE SHEET STRUCTURE
Philippine Banking System
as of end of periods indicated
in percent
Major Accounts		2003					2004
		Mar	June r/	Sept	Dec r/		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	8.5	8.4	7.1	7.8		7.5	8.4	7.6	8.0
	Loans (net) 1/	49.0	49.8	50.6	49.7		48.9	47.9	47.8	46.5
	Investments (net)	26.2	25.5	26.4	27.1		28.6	28.9	29.8	31.0
	Other assets	16.3	16.3	15.9	15.4		15.0	14.9	14.8	14.5
Total Liabilities and Capital		100.0	100.0	100.0	100.0		100.0	100.0	100.0	100.0
	Deposits	67.9	67.8	67.8	67.4		67.1	66.9	66.8	68.8
	Biils Payable	10.0	9.4	9.1	10.4		11.9	11.9	11.0	9.6
	Special Financing	0.0	0.0	0.0	0.0		0.0	0.0	0.0	0.0
	Unsecured Subordinated Debts	0.0	0.0	0.8	1.0		1.3	1.3	1.2	1.3
	Other Liabilities	8.6	9.3	8.7	8.1		7.1	7.1	8.1	7.8
	Capital accounts	13.5	13.5	13.6	13.1		12.7	12.8	12.9	12.6
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	8.3	8.1	6.7	7.4		7.0	8.0	7.3	7.6
	Loans (net) 1/	48.2	49.1	49.8	49.0		48.3	47.2	47.0	45.5
	Investments (net)	27.6	26.9	27.9	28.6		30.2	30.4	31.4	32.8
	Other assets	15.9	15.8	15.5	15.0		14.5	14.4	14.2	14.0
Total Liabilities and Capital		100.0	100.0	100.0	100.0		100.0	100.0	100.0	100.0
	Deposits	67.8	67.5	67.5	67.0		66.6	66.3	66.2	68.3
	Biils Payable	10.2	9.6	9.2	10.6		12.2	12.3	11.3	9.7
	Special Financing	0.0	0.0	0.0	0.0		0.0	0.0	0.0	0.0
	Unsecured Subordinated Debts	0.0	0.0	0.9	1.1		1.4	1.4	1.4	1.4
	Other Liabilities	8.8	9.7	9.1	8.4		7.3	7.4	8.5	8.0
	Capital accounts	13.2	13.2	13.3	12.9		12.4	12.6	12.7	12.5
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	8.2	9.0	7.6	8.7		8.7	8.3	7.9	8.9
	Loans (net) 1/	55.5	55.4	56.3	55.1		53.1	52.9	53.5	53.2
	Investments (net)	14.7	14.0	14.9	15.7		16.8	17.8	18.0	18.0
	Other assets	21.6	21.5	21.2	20.6		21.4	20.9	20.5	19.9
Total Liabilities and Capital		100.0	100.0	100.0	100.0		100.0	100.0	100.0	100.0
	Deposits	68.3	70.7	70.5	71.9		71.5	72.2	73.2	73.2
	Biils Payable	8.5	6.7	7.8	8.1		9.1	9.2	8.4	8.5
	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	6.2	6.3	5.8	4.9		4.6	4.5	4.6	5.2
	Capital accounts	17.0	16.2	15.8	15.0		14.7	14.0	13.7	13.0
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	18.6	18.7	18.3	19.8		20.2	20.3	17.6	18.2
	Loans (net)	59.1	59.4	59.8	59.4		58.2	57.5	59.8	60.1
	Investments (net)	5.3	5.2	5.2	5.1		5.8	6.5	6.7	5.9
	Other assets	17.0	16.6	16.6	15.7		15.8	15.7	15.8	15.8
Total Liabilities and Capital		100.0	100.0	100.0	100.0		100.0	100.0	100.0	100.0
	Deposits	68.8	69.3	69.1	69.3		70.6	71.3	70.4	70.1
	Biils Payable	9.5	9.1	9.2	8.9		7.7	7.5	7.9	8.6
	Special Financing	0.2	0.2	0.2	0.2		0.2	0.2	0.2	0.2
	Unsecured Subordinated Debts	0.0	0.0	0.0	0.0		0.0	0.0	0.0	0.0
	Other Liabilities	5.4	5.5	5.7	5.6		5.6	5.4	5.7	5.4
	Capital accounts	16.1	15.8	15.8	16.0		15.9	15.7	15.9	15.8
r/ Revised
1/ Inclusive of Interbank Loans Receivable
Source: Supervisory Data Center, Supervision and Examination Sector
Updated as of 29 December 2005