5   BALANCE SHEET STRUCTURE
Philippine Banking System
as of end of periods indicated
in percent
Major Accounts		2005
		Mar	June	Sept	Dec		Mar	June	Sept	Dec	Dec
All Banks
Total Assets		100.0	100.0	100.0	0.0	0.0	0.0	0.0	0.0	0.0	100.0
	Cash and due from banks	7.6	7.6	8.3							8.9
	Loans (net) 1/	45.4	46.5	45.4							46.5
	Investments (net)	32.8	31.7	31.9							29.7
	ROPOA (net)	5.4	5.1	5.3							4.9
	Other assets	8.8	9.1	9.1							9.9
Total Liabilities and Capital		100.0	100.0	100.0	0.0	0.0	0.0	0.0	0.0	0.0	100.0
	Deposits	67.1	67.3	68.8							68.8
	Biils Payable	9.4	10.0	10.5							10.8
	Special Financing	0.0	0.0	0.0							0.0
	Unsecured Subordinated Debts	1.2	1.2	1.2							1.2
	Other Liabilities	10.2	9.6	7.2							7.3
	Capital accounts	12.1	11.9	12.3							12.0
Universal and Commercial Banks
Total Assets		100.0	100.0	100.0	0.0	0.0	0.0	0.0	0.0	0.0	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	0.0	0.0	0.0	0.0	0.0	0.0	100.0
	Deposits	66.4	66.5	68.1							68.1
	Biils Payable	9.6	10.5	10.9							11.2
	Special Financing	0.0	0.0	0.0							0.0
	Unsecured Subordinated Debts	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
Thrift Banks
Total Assets		100.0	100.0	100.0	0.0	0.0	0.0	0.0	0.0	0.0	100.0
	Cash and due from banks	8.7	7.6	8.2							9.1
	Loans (net) 1/	52.6	54.7	52.2							53.5
	Investments (net)	19.3	18.1	20.8							19.5
	ROPOA (net)	10.4	10.1	9.8							8.6
	Other assets	9.0	9.5	9.0							9.4
Total Liabilities and Capital		100.0	100.0	100.0	0.0	0.0	0.0	0.0	0.0	0.0	100.0
	Deposits	74.7	76.4	75.9							75.5
	Biils Payable	7.5	5.5	6.7							6.8
	Special Financing	0.0	0.0	0.0							0.0
	Unsecured Subordinated Debts	0.0	0.0	0.0							0.0
	Other Liabilities	4.6	4.8	4.4							4.6
	Capital accounts	13.2	13.3	13.0							13.1
Rural and Cooperative Banks
Total Assets		100.0	100.0	100.0	0.0	0.0	0.0	0.0	0.0	0.0	100.0
	Cash and due from banks	18.3	18.2	16.9							17.5
	Loans (net)	58.9	59.3	60.4							60.1
	Investments (net)	5.7	5.7	5.9							5.5
	ROPOA (net)	7.6	7.4	7.2							7.2
	Other assets	9.4	9.4	9.6							9.7
Total Liabilities and Capital		100.0	100.0	100.0	0.0	0.0	0.0	0.0	0.0	0.0	100.0
	Deposits	69.7	70.3	70.0							69.5
	Biils Payable	7.7	7.5	7.9							8.6
	Special Financing	0.2	0.2	0.2							0.2
	Unsecured Subordinated Debts	0.0	0.0	0.0							0.0
	Other Liabilities	6.8	6.9	6.9							7.1
	Capital accounts	15.6	15.2	15.0							14.7
1/ Inclusive of Interbank Loans Receivable
Source: Supervisory Data Center, Supervision and Examination Sector