16  BALANCE SHEET STRUCTURE
Universal and Commercial Banking System
as of end of periods indicated
in percent
Major Accounts		2005
		Mar	June	Sept	Dec		Mar	June	Sept	Dec	Dec
Total Universal and Commercial Banks
Total Assets		100.0	100.0	100.0	100.0	100.0	100.0	100.0	100.0	100.0	100.0
	Cash and due from banks	7.2	7.3	8.1							8.7
	Loans (net) 1/	44.4	45.4	44.3							45.5
	Investments (net)	34.7	33.6	33.7							31.4
	ROPOA (net)	4.9	4.6	4.8							4.5
	Other assets	8.8	9.1	9.1							10.0
Total Liabilities and Capital		100.0	100.0	100.0	100.0	100.0	100.0	100.0	100.0	100.0	100.0
	Deposits	66.4	66.5	68.1							68.1
	Bills Payable	9.6	10.5	10.9							11.2
	Special Financing	0.0	0.0	0.0							0.0
	Unreserved Subordinated Debt	1.3	1.3	1.4							1.3
	Other Liabilities	10.8	10.1	7.5							7.5
	Capital accounts	11.9	11.7	12.1							11.8
Universal Banks
Total Assets		100.0	100.0	100.0	100.0	100.0	100.0	100.0	100.0	100.0	100.0
	Cash and due from banks	7.1	7.0	7.5							8.2
	Loans (net) 1/	44.5	45.6	43.8							45.4
	Investments (net)	34.1	33.0	34.4							31.6
	ROPOA (net)	5.5	5.1	5.2							7.2
	Other assets	8.9	9.2	9.1							7.6
Total Liabilities and Capital		100.0	100.0	100.0	100.0	100.0	100.0	100.0	100.0	100.0	100.0
	Deposits	69.2	68.6	68.9							69.2
	Bills Payable	10.1	11.0	11.2							11.6
	Special Financing	0.0	0.0	0.0							0.0
	Unreserved Subordinated Debt	1.7	1.6	1.7							1.6
	Other Liabilities	7.6	7.6	6.9							6.9
	Capital accounts	11.4	11.1	11.3							10.8
Commercial Banks
Total Assets		100.0	100.0	100.0	100.0	100.0	100.0	100.0	100.0	100.0	100.0
	Cash and due from banks	7.7	8.6	10.4							11.0
	Loans (net) 1/	44.1	44.7	46.8							45.8
	Investments (net)	37.1	35.6	30.7							30.1
	ROPOA (net)	2.6	2.6	2.9							3.7
	Other assets	8.5	8.5	9.2							9.3
Total Liabilities and Capital		100.0	100.0	100.0	100.0	100.0	100.0	100.0	100.0	100.0	100.0
	Deposits	56.0	58.3	64.9							63.5
	Bills Payable	7.9	8.3	9.6							9.5
	Special Financing	0.0	0.0	0.0							0.0
	Unreserved Subordinated Debt	0.0	0.0	0.2							0.2
	Other Liabilities	22.2	19.5	9.7							10.5
	Capital accounts	13.8	13.9	15.7							16.4
1/  Inclusive of Interbank Loans Receivable
Source: Supervisory Data Center, Supervision and Examination Sector