17 CONSOLIDATED FINANCIAL STATEMENTS  
Universal and Commercial Banks
as of end of periods indicated
in billion pesos
 
Selected Accounts  UNIVERSAL AND COMMERCIAL BANKS
  January 2005 February 2005 March 2005 April 2005 May 2005 June 2005 July 2005 August 2005 September 2005 October 2005 November 2005 December 2005
CONSOLIDATED STATEMENT OF CONDITION
  ASSETS 3,695.731 3,766.940 3,826.754 3,785.202 3,837.557 3,898.888 3,839.120 3,845.381 3,792.501 3,751.050 3,828.979 3,856.806
 
CASH AND DUE FROM BANKS 267.141 286.261 275.425 277.277 271.509 286.335 303.008 305.630 306.650 314.613 310.701 334.047
TOTAL LOAN PORTFOLIO, GROSS 1,816.962 1,829.623 1,843.163 1,826.684 1,875.605 1,911.364 1,846.939 1,859.275 1,818.955 1,796.078 1,896.699 1,885.939
   Interbank Loans Receivable 292.407 296.249 297.302 281.369 275.200 307.941 291.027 291.735 304.343 289.172 314.261 339.994
   Loans and Discounts 939.723 919.393 915.676 923.205 931.735 940.812 939.036 942.809 940.956 928.040 936.880 940.371
   Agra/Agri Credit Loans 130.161 127.793 138.553 136.012 139.595 140.507 144.296 142.141 144.964 149.308 154.036 152.019
   Development Incentive Loans 41.121 40.808 42.866 42.235 42.015 41.710 41.610 42.769 44.723 45.693 45.538 48.515
   Bills Purchased 63.702 65.014 59.109 50.782 62.597 61.939 57.738 76.210 59.657 54.767 79.414 56.308
   Customers' Liabilities - LC/TR 104.549 101.438 103.922 108.064 110.179 113.188 110.582 109.382 107.195 107.783 105.973 103.605
   Customers' Liabilities - Accept O/S 11.977 13.928 9.103 14.821 8.212 8.397 8.858 7.544 8.909 7.087 6.653 7.844
   Trading Account Securities - Loans 60.276 85.062 107.177 99.510 134.542 130.046 86.806 83.270 45.901 50.982 90.081 79.509
   Underwriting Accounts 2.358 2.358 2.358 2.358 2.358 2.358 2.358 2.358 2.358 2.858 2.858 2.800
   Restructured Loans 124.190 131.113 120.063 120.240 121.048 115.195 115.127 110.244 108.316 107.588 106.536 98.974
   Credit Card Receivables 46.498 46.466 47.032 48.089 48.124 49.269 49.499 50.811 51.631 52.796 54.464 55.997
   Microfinance Loans 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.001 0.002 0.004 0.004 0.005
ACCUM. MARKET GAIN/LOSS - LOANS 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
ALLOW. FOR PROBABLE LOSSES - LOANS 149.554 149.040 144.006 141.028 139.778 139.595 139.861 137.060 137.541 136.816 137.086 132.272
TOTAL LOAN PORTFOLIO, NET 1,667.407 1,680.583 1,699.157 1,685.657 1,735.827 1,771.769 1,707.078 1,722.215 1,681.415 1,659.262 1,759.613 1,753.668
TOTAL INVESTMENTS, GROSS 1,259.844 1,290.011 1,338.924 1,326.745 1,321.404 1,318.479 1,313.242 1,283.867 1,284.868 1,268.667 1,233.789 1,206.516
  Underwriting Accounts - Equity Securities 0.250 0.250 0.307 0.207 0.107 0.058 0.050 0.050 0.050 0.050 0.050 0.050
  Trading Account Securities - Investments 167.753 163.211 175.255 168.817 161.363 169.635 167.509 154.076 155.900 142.765 130.313 134.229
  Trading Account Securities - Equity 0.616 0.493 0.523 0.492 0.471 0.696 0.703 0.434 0.231 0.234 0.254 0.253
  Avaiable for Sale Securities (ASS) 497.841 535.013 579.852 559.408 562.577 529.807 518.217 498.092 490.730 528.643 600.245 581.521
  Investment in Bonds and Other Debt Instruments 490.265 488.039 479.809 495.375 493.062 514.800 523.665 525.956 526.537 485.007 394.459 392.234
  Equity Investments - Allied/Non-Allied Undertakings 103.120 103.005 103.179 102.446 103.824 103.483 103.098 105.260 111.419 111.968 108.468 98.229
ACCUM. MARKET GAIN/LOSS - INVESTMENTS 1.326 1.675 (1.349) (0.622) 2.607 1.331 0.723 1.204 2.596 1.956 9.936 9.774
ALLOW. FOR PROBABLE LOSSES - INVESTMENTS 9.674 9.309 9.307 10.946 11.320 11.345 11.118 11.084 11.032 10.907 11.888 6.683
TOTAL INVESTMENTS, NET 1,251.496 1,282.377 1,328.268 1,315.177 1,312.691 1,308.465 1,302.846 1,273.987 1,276.433 1,259.717 1,231.837 1,209.608
FIXED ASSETS 83.167 82.957 82.585 82.627 82.508 82.212 82.554 83.003 82.976 81.205 81.192 79.074
ROPOA, GROSS 210.648 204.101 203.628 199.212 197.236 197.224 197.092 200.695 200.185 200.132 198.746 194.698
ALLOWANCE FOR PROBABLE LOSSES - ROPOA 16.095 16.333 16.537 17.864 18.012 18.097 18.056 18.209 18.329 18.822 20.077 20.093
ROPOA, NET 194.553 187.768 187.092 181.347 179.224 179.127 179.036 182.485 181.856 181.310 178.668 174.606
OTHER ASSETS 231.967 246.995 254.226 243.117 255.798 270.980 264.597 278.061 263.172 254.943 266.966 305.804
 
   LIABILITIES AND CAPITAL 3,695.731 3,766.940 3,826.754 3,785.202 3,837.557 3,898.888 3,839.120 3,845.381 3,792.501 3,751.050 3,828.979 3,856.806
 
Liabilities 3,236.853 3,304.417 3,369.965 3,332.371 3,378.217 3,443.562 3,380.106 3,385.883 3,332.489 3,292.199 3,357.239 3,401.154
DEPOSIT LIABILITIES 2,515.145 2,517.154 2,540.242 2,514.189 2,519.615 2,592.660 2,570.787 2,617.848 2,583.369 2,553.961 2,599.485 2,628.386
   Domestic 1,663.465 1,663.467 1,679.620 1,660.786 1,701.011 1,734.410 1,723.597 1,767.155 1,725.414 1,725.156 1,765.025 1,783.138
      Demand and Now 323.311 332.396 329.881 331.217 343.999 345.779 340.934 355.376 337.300 347.799 365.261 348.844
      Savings 1,041.231 1,008.557 988.771 974.205 997.618 1,011.993 1,003.376 1,026.093 1,016.211 1,004.950 1,024.946 1,054.395
      Time 298.923 322.514 360.969 355.365 359.394 376.639 379.287 385.686 371.903 372.408 374.818 379.900
   Foreign Currency 851.680 853.687 860.621 853.402 818.605 858.250 847.190 850.694 857.955 828.805 834.460 845.248
BILLS PAYABLE 345.944 356.015 367.320 381.545 401.405 407.966 402.276 401.090 414.389 409.676 390.319 431.077
   Deposit Substitutes 4.621 6.306 7.312 5.156 4.640 4.609 4.745 4.405 3.374 2.929 2.485 1.934
   Others 341.323 349.708 360.008 376.388 396.765 403.358 397.531 396.684 411.015 406.747 387.834 429.142
SPECIAL FINANCING 0.135 0.088 0.074 0.074 0.070 0.059 0.056 0.043 0.030 0.028 0.028 0.026
   Time Certificates of Deposits - SF 0.004 0.004 0.004 0.004 0.004 0.004 0.004 0.004 0.004 0.004 0.004 0.004
   Special Time Deposits 0.131 0.083 0.069 0.069 0.066 0.054 0.052 0.039 0.025 0.024 0.024 0.022
UNSECURED SUBORDINATED DEBT 50.652 50.411 50.450 50.207 49.757 50.744 50.738 51.999 51.836 51.291 50.845 50.799
OTHER LIABILITIES 324.977 380.750 411.879 386.358 407.370 392.133 356.249 314.903 282.866 277.243 316.562 290.865
Capital Accounts 458.878 462.523 456.789 452.831 459.340 455.326 459.014 459.498 460.012 458.851 471.740 455.652
  CAPITAL STOCK 181.723 183.043 183.381 183.047 183.365 184.643 185.249 185.249 185.000 185.000 185.001 184.258
  ASSIGNED CAPITAL 15.989 15.989 15.989 15.989 16.089 16.089 16.089 16.089 16.089 16.089 16.089 16.089
  NET DUE TO H.O. BRANCHES/AGENCIES 58.739 60.003 60.059 59.987 60.521 57.431 60.439 58.510 58.555 58.785 60.373 58.607
  SURPLUS, SURPLUS RESERVES, UNDIVIDED PROFITS & APPRAISAL INCREMENT RESERVE 202.426 203.488 197.359 193.807 199.364 197.162 197.236 199.650 200.368 198.977 210.276 196.697
       
 
Note: Presented data are based on financial statements periodically submitted by banks in accordance with existing regulations.
Said submissions are processed and aggregated to derive industry results.  For unsubmitted and/or defective bank reports
for the period, the most recent processed report available is used as proxy in the generation of said industry aggregates.
Details may not add up to totals due to rounding.
Source: Supervisory Data Center, Supervision and Examination Sector