3  CONSOLIDATED STATEMENT OF CONDITION
         Philippine Banking System
         as of end of periods indicated
         in billion pesos
Selected Accounts  ALL BANKS 1/ UNIVERSAL AND COMMERCIAL BANKS 1/    
  Mar-06 Jun-06 Sep-06 Dec-06 Mar-06 Jun-06 Sep-06 Dec-06  
   ASSETS   4,299.133 4,517.582 4,538.146 4,865.618 3,830.094 4,019.682 4,006.729 4,289.285
 
CASH AND DUE FROM BANKS 385.680 421.436 453.361 633.130 333.084 363.572 396.378 556.258  
TOTAL LOAN PORTFOLIO, GROSS 2,199.012 2,206.788 2,261.521 2,427.938 1,918.766 1,911.225 1,940.846 2,093.787  
   Interbank Loans Receivable 393.909 340.963 352.369 432.521 378.760 323.010 328.894 403.110  
   Loans and Discounts 1,115.345 1,134.987 1,138.766 1,187.139 928.826 942.458 934.184 974.490  
   Agra/Agri Credit Loans 178.459 191.080 188.556 200.096 141.275 153.088 149.838 159.281  
   Development Incentive Loans 71.786 73.564 74.520 78.531 50.381 50.312 50.604 52.454  
   Bills Purchased 59.953 58.221 28.891 66.122 59.054 57.325 28.323 65.131  
   Customers' Liabilities - LC/TR 97.051 104.751 107.869 105.273 96.450 104.139 107.027 104.474  
   Customers' Liabilities - Accept O/S 7.594 7.299 7.015 7.544 7.594 7.299 7.015 7.544  
   Trading Account Securities - Loans 106.258 126.728 192.133 180.617 100.679 117.544 177.184 173.135  
   Underwriting Accounts 1.800 1.700 1.700 1.800 1.800 1.700 1.700 1.800  
   Restructured Loans 106.396 104.388 103.038 86.432 99.703 97.671 96.210 79.950  
   Credit Card Receivables 57.066 59.611 62.976 77.456 54.239 56.675 59.862 72.416  
   Microfinance Loans 3.396 3.498 3.688 4.407 0.007 0.004 0.003 0.003  
ACCUMULATED MARKET GAIN/LOSS - LOANS 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000  
ALLOWANCE FOR PROBABLE LOSSES - LOANS 145.430 145.596 146.912 133.079 132.365 131.204 131.564 117.471  
TOTAL LOAN PORTFOLIO, NET 2/ 2,053.582 2,061.192 2,114.609 2,294.858 1,786.402 1,780.020 1,809.281 1,976.317  
TOTAL INVESTMENTS, GROSS 1,225.817 1,408.425 1,336.882 1,268.695 1,158.434 1,335.980 1,255.181 1,185.356  
  Underwriting Accounts - Equity Securities 0.050 0.000 0.000 0.102 0.050 0.000 0.000 0.102  
  Trading Account Securities - Investments 142.377 159.668 179.322 164.154 139.377 157.237 176.169 161.080  
  Trading Account Securities - Equity 0.190 0.180 0.352 0.309 0.190 0.180 0.352 0.309  
  Avaiable for Sale Securities (ASS) 527.223 627.196 623.776 631.253 503.357 598.435 582.620 587.239  
  Investment in Bonds and Other Debt Instruments 449.664 508.530 432.103 367.374 409.795 467.922 395.380 331.939  
  Equity Investments - Allied/Non-Allied Undertakings 106.314 112.851 101.329 105.502 105.664 112.206 100.660 104.687  
ACCUMULATED MARKET GAIN/LOSS - INVESTMENTS 12.574 (3.333) 11.039 29.011 11.660 (3.497) 11.039 29.011  
ALLOWANCE FOR PROBABLE LOSSES - INVESTMENTS 7.582 5.564 6.008 7.927 7.256 5.293 5.665 7.585  
TOTAL INVESTMENTS, NET 1,230.809 1,399.528 1,341.913 1,289.778 1,162.838 1,327.190 1,260.555 1,206.782  
FIXED ASSETS 94.506 94.471 92.066 90.673 78.581 76.932 76.797 75.401  
ROPA, GROSS 232.966 229.863 230.467 217.239 192.324 187.849 184.974 170.339  
ALLOWANCE FOR PROBABLE LOSSES - ROPA 22.302 21.254 22.208 18.559 19.776 18.564 18.508 15.158  
ROPA, NET 210.664 208.609 208.258 198.680 172.548 169.286 166.466 155.181  
OTHER ASSETS 323.892 332.347 327.938 358.499 296.642 302.682 297.252 319.347  
   LIABILITIES AND CAPITAL 4,299.133 4,517.582 4,538.146 4,865.618 3,830.094 4,019.682 4,006.729 4,289.285
Liabilities 3,759.729 4,003.560 4,004.784 4,296.604 3,354.437 3,569.999 3,539.686 3,796.932  
DEPOSIT LIABILITIES 2,968.097 3,221.219 3,264.702 3,497.557 2,622.123 2,849.232 2,869.137 3,071.115  
   Domestic 2,106.104 2,281.815 2,338.568 2,567.754 1,797.375 1,950.660 1,983.994 2,183.915  
      Demand and Now 394.127 418.232 427.293 477.221 369.734 391.491 399.484 448.842  
      Savings 1,206.441 1,311.089 1,350.550 1,401.068 1,050.632 1,144.496 1,178.621 1,222.490  
      Time 505.536 552.494 560.724 689.465 377.009 414.673 405.889 512.583  
   Foreign Currency 861.992 939.404 926.135 929.804 824.748 898.572 885.143 887.200  
BILLS PAYABLE 426.906 413.315 373.888 379.778 391.596 379.037 335.141 338.316  
   Deposit Substitutes 2.021 3.495 6.198 9.326 1.123 2.842 5.164 9.053  
   Others 424.885 409.821 367.691 370.452 390.474 376.195 329.977 329.263  
SPECIAL FINANCING 0.204 0.197 0.179 0.171 0.025 0.025 0.011 0.010  
   Time Certificates of Deposits - SF 0.104 0.103 0.102 0.099 0.005 0.005 0.005 0.005  
   Special Time Deposits 0.100 0.095 0.077 0.072 0.020 0.020 0.005 0.005  
UNSECURED SUBORDINATED DEBT 52.711 54.096 64.379 75.629 52.711 54.096 64.379 75.629  
OTHER LIABILITIES 311.812 314.733 301.635 343.468 287.982 287.608 271.019 311.860  
Capital Accounts 539.403 514.022 533.363 569.014 475.657 449.684 467.043 492.354  
  CAPITAL STOCK 244.635 252.530 246.641 252.375 193.823 199.792 192.743 197.122  
  ASSIGNED CAPITAL 16.089 16.089 16.589 16.792 16.089 16.089 16.589 16.792  
  NET DUE TO H.O. BRANCHES/AGENCIES 60.522 58.211 60.334 62.725 60.522 58.211 60.334 62.725  
  SURPLUS, SURPLUS RESERVES & UNDIVIDED PROFITS 218.157 187.192 209.798 237.122 205.223 175.591 197.377 215.715  
                           
     
3  CONSOLIDATED STATEMENT OF CONDITION
         Philippine Banking System
         as of end of periods indicated
         in billion pesos
 
Selected Accounts    THRIFT BANKS   RURAL AND COOPERATIVE BANKS
  Mar-06 Jun-06 Sep-06 Dec-06 Mar-06 Jun-06 Sep-06 Dec-06
   ASSETS 352.470 375.719 404.792 440.859 116.568 122.181 126.625 135.473
CASH AND DUE FROM BANKS 32.291 35.792 35.297 52.122 20.305 22.073 21.686 24.750
TOTAL LOAN PORTFOLIO, GROSS 206.288 218.981 240.409 250.888 73.958 76.582 80.267 83.262  
   Interbank Loans Receivable 15.149 17.953 23.474 29.411 0.000 0.000 0.000 0.000  
   Loans and Discounts 146.940 151.108 160.607 167.686 39.579 41.421 43.975 44.964  
   Agra/Agri Credit Loans 8.299 8.505 8.500 9.382 28.885 29.486 30.218 31.433  
   Development Incentive Loans 19.756 21.476 21.937 24.006 1.649 1.775 1.980 2.072  
   Bills Purchased 0.900 0.896 0.568 0.990 0.000 0.000 0.000 0.000  
   Customers' Liabilities - LC/TR 0.601 0.612 0.842 0.799 0.000 0.000 0.000 0.000  
   Customers' Liabilities - Accept O/S 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000  
   Trading Account Securities - Loans 5.579 9.184 14.949 7.481 0.000 0.000 0.000 0.000  
   Underwriting Accounts 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000  
   Restructured Loans 5.880 5.892 5.999 5.618 0.813 0.825 0.828 0.864  
   Credit Card Receivables 2.827 2.936 3.114 5.040 0.000 0.000 0.000 0.000  
   Microfinance Loans 0.357 0.418 0.418 0.474 3.032 3.076 3.267 3.930  
ACCUMULATED MARKET GAIN/LOSS - LOANS 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000  
ALLOWANCE FOR PROBABLE LOSSES - LOANS 9.530 10.796 11.606 11.856 3.536 3.596 3.741 3.752  
TOTAL LOAN PORTFOLIO, NET 2/ 196.758 208.185 228.802 239.032 70.422 72.986 76.526 79.510
TOTAL INVESTMENTS, GROSS 60.768 65.808 74.899 76.509 6.615 6.636 6.803 6.829  
  Underwriting Accounts - Equity Securities 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000  
  Trading Account Securities - Investments 3.000 2.431 3.153 3.074 0.000 0.000 0.000 0.000  
  Trading Account Securities - Equity 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000  
  Avaiable for Sale Securities (ASS) 23.865 28.762 41.156 44.013 0.000 0.000 0.000 0.000  
  Investment in Bonds and Other Debt Instruments 33.383 34.102 30.048 28.737 6.485 6.505 6.675 6.698  
  Equity Investments - Allied/Non-Allied Undertakings 0.520 0.513 0.542 0.685 0.129 0.131 0.128 0.131  
ACCUMULATED MARKET GAIN/LOSS - INVESTMENTS 0.914 0.165 0.000 0.000 0.000 0.000 0.000 0.000  
ALLOWANCE FOR PROBABLE LOSSES - INVESTMENTS 0.219 0.157 0.231 0.231 0.107 0.115 0.112 0.112  
TOTAL INVESTMENTS, NET 61.463 65.816 74.667 76.278 6.508 6.522 6.691 6.717
FIXED ASSETS 11.774 13.333 10.974 10.856 4.151 4.207 4.295 4.416  
ROPA, GROSS 32.063 32.833 35.948 35.586 8.579 9.180 9.545 11.315  
ALLOWANCE FOR PROBABLE LOSSES - ROPA 2.240 2.409 3.413 3.077 0.286 0.282 0.288 0.324  
ROPA, NET 29.823 30.425 32.536 32.509 8.293 8.898 9.257 10.991  
OTHER ASSETS 20.362 22.168 22.516 30.063 6.888 7.496 8.170 9.089
   LIABILITIES AND CAPITAL 352.470 375.719 404.792 440.859 116.568 122.181 126.625 135.473
Liabilities 305.512 328.458 356.859 383.966 99.780 105.103 108.238 115.707
DEPOSIT LIABILITIES 263.383 285.033 306.000 332.112 82.591 86.954 89.566 94.329
   Domestic 226.138 244.200 265.007 289.509 82.591 86.954 89.566 94.329
      Demand and Now 22.683 24.837 25.830 26.185 1.711 1.904 1.979 2.193
      Savings 100.154 108.194 112.143 115.679 55.655 58.399 59.786 62.899
      Time 103.302 111.170 127.034 147.645 25.225 26.652 27.801 29.237
   Foreign Currency 37.244 40.833 40.992 42.603 0.000 0.000 0.000 0.000
BILLS PAYABLE 26.230 25.114 29.423 30.387 9.079 9.164 9.324 11.075
   Deposit Substitutes 0.898 0.652 1.034 0.273 0.000 0.000 0.000 0.000
   Others 25.332 24.462 28.390 30.114 9.079 9.164 9.324 11.075
SPECIAL FINANCING 0.000 0.000 0.000 0.000 0.179 0.172 0.168 0.161
   Time Certificates of Deposits - SF 0.000 0.000 0.000 0.000 0.099 0.097 0.096 0.093
   Special Time Deposits 0.000 0.000 0.000 0.000 0.080 0.075 0.071 0.067
UNSECURED SUBORDINATED DEBT 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
OTHER LIABILITIES 15.899 18.312 21.437 21.467 7.931 8.813 9.180 10.142
Capital Accounts 46.958 47.260 47.933 56.893 16.788 17.078 18.387 19.767
  CAPITAL STOCK 38.208 39.600 40.403 40.869 12.604 13.137 13.495 14.384
  ASSIGNED CAPITAL 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
  NET DUE TO H.O. BRANCHES/AGENCIES 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
  SURPLUS, SURPLUS RESERVES & UNDIVIDED PROFITS 8.750 7.661 7.529 16.024 4.183 3.940 4.892 5.383
                         
1/ Adjusted to net off the account "Due from Head Office" with "Due to Head Office" of branches of foreign banks
2/ Inclusive of Interbank Loans Receivable
Note: Details may not add up to totals due to rounding-off
Source : Supervisory Data Center, Supervision and Examination Sector
Updated as of 1April 2008