
30 CONSOLIDATED STATEMENT OF CONDITION															30 CONSOLIDATED STATEMENT OF CONDITION
Commercial Banking System ^1/															Commercial Banking System ^1/
as of end of periods indicated															as of end of periods indicated
in billion pesos															in billion pesos

	Selected Accounts		COMMERCIAL BANKS													Selected Accounts		% SHARE
	Selected Accounts		Jan-06	Feb-06	Mar-06	Apr-06	May-06	Jun-06	Jul-06	Aug-06	Sep-06	Oct-06	Nov-06	Dec-06		Selected Accounts		Jan-06	Feb-06	Mar-06	Apr-06	May-06	Jun-06	Jul-06	Aug-06	Sep-06	Oct-06	Nov-06	Dec-06

	ASSETS		707.379	719.888	723.392	732.678	759.540	777.121	777.650	716.383	704.364	711.903	743.427	740.205		ASSETS		100.0	100.0	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	76.417	75.122	78.508	83.434	78.426	85.036	80.388	78.199	90.033	91.919	104.202	112.254			CASH AND DUE FROM BANKS	10.8	10.4	10.9	11.4	10.3	10.9	10.3	10.9	12.8	12.9	14.0	15.2
		TOTAL LOAN PORTFOLIO, GROSS	366.216	376.692	376.177	381.562	390.690	390.591	403.899	358.451	353.935	377.063	395.830	382.229			TOTAL LOAN PORTFOLIO, GROSS	51.8	52.3	52.0	52.1	51.4	50.3	51.9	50.0	50.2	53.0	53.2	51.6
		Interbank Loans Receivable	77.279	83.653	85.385	86.555	88.486	91.999	94.687	92.714	101.477	103.235	91.016	100.701			Interbank Loans Receivable	10.9	11.6	11.8	11.8	11.6	11.8	12.2	12.9	14.4	14.5	12.2	13.6
		Loans and Discounts	172.504	173.454	178.694	184.263	183.210	180.925	177.399	155.879	150.598	154.471	161.161	154.631			Loans and Discounts	24.4	24.1	24.7	25.1	24.1	23.3	22.8	21.8	21.4	21.7	21.7	20.9
		Agra/Agri Credit Loans	9.087	8.738	10.454	9.008	9.295	10.349	10.478	10.433	10.642	10.313	10.060	10.593			Agra/Agri Credit Loans	1.3	1.2	1.4	1.2	1.2	1.3	1.3	1.5	1.5	1.4	1.4	1.4
		Development Incentive Loans	2.880	2.842	3.858	3.229	3.319	3.297	3.269	3.367	3.231	3.205	3.304	3.350			Development Incentive Loans	0.4	0.4	0.5	0.4	0.4	0.4	0.4	0.5	0.5	0.5	0.4	0.5
		Bills Purchased	11.434	11.092	10.631	10.225	10.122	10.700	11.251	7.684	3.978	8.032	9.110	10.661			Bills Purchased	1.6	1.5	1.5	1.4	1.3	1.4	1.4	1.1	0.6	1.1	1.2	1.4
		Customers' Liabilities - LC/TR	12.554	13.031	12.845	12.864	13.241	14.942	14.413	12.820	14.371	14.761	16.332	16.387			Customers' Liabilities - LC/TR	1.8	1.8	1.8	1.8	1.7	1.9	1.9	1.8	2.0	2.1	2.2	2.2
		Customers' Liabilities - Accept O/S	1.638	2.519	1.886	1.348	1.545	1.402	1.284	1.694	1.393	1.516	1.389	1.132			Customers' Liabilities - Accept O/S	0.2	0.3	0.3	0.2	0.2	0.2	0.2	0.2	0.2	0.2	0.2	0.2
		Trading Account Securities - Loans	42.240	45.062	35.922	36.905	44.062	38.848	52.584	36.713	30.726	43.516	64.154	44.187			Trading Account Securities - Loans	6.0	6.3	5.0	5.0	5.8	5.0	6.8	5.1	4.4	6.1	8.6	6.0
		Underwriting Accounts	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000			Underwriting Accounts	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
		Restructured Loans	12.010	11.907	12.117	12.424	12.373	12.811	12.604	10.754	10.807	10.739	10.612	10.646			Restructured Loans	1.7	1.7	1.7	1.7	1.6	1.6	1.6	1.5	1.5	1.5	1.4	1.4
		Credit Card Receivables	24.590	24.393	24.384	24.740	25.035	25.318	25.930	26.393	26.712	27.274	28.692	29.942			Credit Card Receivables	3.5	3.4	3.4	3.4	3.3	3.3	3.3	3.7	3.8	3.8	3.9	4.0
		Microfinance 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			Microfinance Loans	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
		ACCUMULATED 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			ACCUMULATED MARKET GAIN/LOSS - LOANS	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
		ALLOWANCE FOR PROBABLE LOSSES - LOANS	17.300	17.319	17.420	17.358	17.315	17.398	16.661	14.108	14.580	14.784	14.589	14.770			ALLOWANCE FOR PROBABLE LOSSES - LOANS	2.4	2.4	2.4	2.4	2.3	2.2	2.1	2.0	2.1	2.1	2.0	2.0
		TOTAL LOAN PORTFOLIO, NET^2/	348.916	359.373	358.757	364.204	373.375	373.193	387.238	344.343	339.355	362.278	381.241	367.459			TOTAL LOAN PORTFOLIO, NET^2/	49.3	49.9	49.6	49.7	49.2	48.0	49.8	48.1	48.2	50.9	51.3	49.6
		TOTAL INVESTMENTS, GROSS	189.370	188.736	186.602	187.879	210.075	227.374	216.594	208.033	190.690	172.974	174.215	174.323			TOTAL INVESTMENTS, GROSS	26.8	26.2	25.8	25.6	27.7	29.3	27.9	29.0	27.1	24.3	23.4	23.6
		Underwriting Accounts - Equity Securities	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000			Underwriting Accounts - Equity Securities	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
		Trading Account Securities - Investments	20.819	19.084	18.180	23.664	22.844	25.524	28.924	42.229	30.032	29.267	23.143	21.786			Trading Account Securities - Investments	2.9	2.7	2.5	3.2	3.0	3.3	3.7	5.9	4.3	4.1	3.1	2.9
		Trading Account Securities - Equity	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000			Trading Account Securities - Equity	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
		Avaiable for Sale Securities (ASS)	107.737	109.083	107.246	105.067	123.584	137.061	126.741	111.602	107.214	94.249	103.528	109.811			Avaiable for Sale Securities (ASS)	15.2	15.2	14.8	14.3	16.3	17.6	16.3	15.6	15.2	13.2	13.9	14.8
		Investment in Bonds and Other Debt Instruments	58.812	58.566	59.234	57.469	61.988	63.166	59.180	52.608	51.881	47.893	45.979	41.343			Investment in Bonds and Other Debt Instruments	8.3	8.1	8.2	7.8	8.2	8.1	7.6	7.3	7.4	6.7	6.2	5.6
		Equity Investments - Allied/Non-Allied Undertakings	2.002	2.003	1.943	1.680	1.660	1.622	1.749	1.594	1.564	1.564	1.565	1.382			Equity Investments - Allied/Non-Allied Undertakings	0.3	0.3	0.3	0.2	0.2	0.2	0.2	0.2	0.2	0.2	0.2	0.2
		ACCUMULATED MARKET GAIN/LOSS - INVESTMENTS	1.385	1.456	2.165	2.062	0.030	(1.004)	0.211	0.190	0.332	0.637	1.182	1.461			ACCUMULATED MARKET GAIN/LOSS - INVESTMENTS	0.2	0.2	0.3	0.3	0.0	(0.1)	0.0	0.0	0.0	0.1	0.2	0.2
		ALLOWANCE FOR PROBABLE LOSSES - INVESTMENTS	0.299	0.278	0.277	0.597	0.379	0.448	0.549	0.532	0.524	0.457	0.457	0.443			ALLOWANCE FOR PROBABLE LOSSES - INVESTMENTS	0.0	0.0	0.0	0.1	0.0	0.1	0.1	0.1	0.1	0.1	0.1	0.1
		TOTAL INVESTMENTS, NET	190.457	189.914	188.490	189.344	209.726	225.922	216.256	207.691	190.499	173.153	174.940	175.342			TOTAL INVESTMENTS, NET	26.9	26.4	26.1	25.8	27.6	29.1	27.8	29.0	27.0	24.3	23.5	23.7
		FIXED ASSETS	10.566	10.583	10.646	10.538	10.639	10.677	10.873	9.233	9.252	9.232	9.334	9.292			FIXED ASSETS	1.5	1.5	1.5	1.4	1.4	1.4	1.4	1.3	1.3	1.3	1.3	1.3
		ROPOA, GROSS	16.700	16.767	16.916	17.083	16.901	17.001	16.965	14.229	14.198	14.215	14.416	14.040			ROPOA, GROSS	2.4	2.3	2.3	2.3	2.2	2.2	2.2	2.0	2.0	2.0	1.9	1.9
		ALLOWANCE FOR PROBABLE LOSSES - ROPOA	1.322	1.320	1.320	1.280	0.767	1.258	1.192	0.780	0.547	0.529	0.526	0.495			ALLOWANCE FOR PROBABLE LOSSES - ROPOA	0.2	0.2	0.2	0.2	0.1	0.2	0.2	0.1	0.1	0.1	0.1	0.1
		ROPOA, NET	15.378	15.447	15.596	15.802	16.134	15.743	15.773	13.449	13.651	13.686	13.891	13.545			ROPOA, NET	2.2	2.1	2.2	2.2	2.1	2.0	2.0	1.9	1.9	1.9	1.9	1.8
		OTHER ASSETS	65.645	69.447	71.395	69.356	71.241	66.551	67.122	63.469	61.574	61.633	59.819	62.314			OTHER ASSETS	9.3	9.6	9.9	9.5	9.4	8.6	8.6	8.9	8.7	8.7	8.0	8.4

	LIABILITIES AND CAPITAL		707.379	719.888	723.392	732.678	759.540	777.121	777.650	716.383	704.364	711.903	743.427	740.205		LIABILITIES AND CAPITAL		100.0	100.0	100.0	100.0	100.0	100.0	100.0	100.0	100.0	100.0	100.0	100.0

		Liabilities	595.389	609.186	603.523	611.637	644.222	662.031	664.868	604.435	592.407	597.313	627.539	624.527			Liabilities	84.2	84.6	83.4	83.5	84.8	85.2	85.5	84.4	84.1	83.9	84.4	84.4
		DEPOSIT LIABILITIES	447.655	456.918	457.820	461.555	496.484	508.765	518.992	481.746	466.017	471.902	488.535	497.965			DEPOSIT LIABILITIES	63.3	63.5	63.3	63.0	65.4	65.5	66.7	67.2	66.2	66.3	65.7	67.3
		Domestic	267.018	268.167	271.024	269.731	292.611	300.234	307.478	285.629	275.891	289.061	296.244	302.595			Domestic	37.7	37.3	37.5	36.8	38.5	38.6	39.5	39.9	39.2	40.6	39.8	40.9
		Demand and Now	65.792	67.918	67.774	68.310	73.957	72.035	75.717	67.562	57.557	64.333	64.894	62.142			Demand and Now	9.3	9.4	9.4	9.3	9.7	9.3	9.7	9.4	8.2	9.0	8.7	8.4
		Savings	98.716	96.551	99.297	98.923	111.166	115.622	119.529	107.718	107.897	113.803	116.224	120.490			Savings	14.0	13.4	13.7	13.5	14.6	14.9	15.4	15.0	15.3	16.0	15.6	16.3
		Time	102.510	103.698	103.952	102.498	107.488	112.577	112.232	110.350	110.437	110.925	115.126	119.963			Time	14.5	14.4	14.4	14.0	14.2	14.5	14.4	15.4	15.7	15.6	15.5	16.2
		Foreign Currency	180.637	188.750	186.796	191.825	203.873	208.532	211.514	196.116	190.127	182.841	192.291	195.370			Foreign Currency	25.5	26.2	25.8	26.2	26.8	26.8	27.2	27.4	27.0	25.7	25.9	26.4
		BILLS PAYABLE	70.941	69.123	71.136	75.165	74.310	80.478	74.559	59.279	59.606	62.165	67.379	60.520			BILLS PAYABLE	10.0	9.6	9.8	10.3	9.8	10.4	9.6	8.3	8.5	8.7	9.1	8.2
		Deposit Substitutes	0.495	0.486	0.597	0.591	0.992	0.930	0.901	0.966	1.117	1.145	1.391	1.715			Deposit Substitutes	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.2	0.2	0.2	0.2
		Others	70.446	68.636	70.539	74.574	73.319	79.548	73.658	58.313	58.489	61.020	65.988	58.805			Others	10.0	9.5	9.8	10.2	9.7	10.2	9.5	8.1	8.3	8.6	8.9	7.9
		SPECIAL FINANCING	0.001	0.001	0.001	0.001	0.001	0.001	0.001	0.001	0.001	0.001	0.001	0.001			SPECIAL FINANCING	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
		Time Certificates of Deposits - SF	0.001	0.001	0.001	0.001	0.001	0.001	0.001	0.001	0.001	0.001	0.001	0.001			Time Certificates of Deposits - SF	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
		Special Time Deposits	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000			Special Time Deposits	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
		UNSECURED SUBORDINATED DEBT	1.200	1.200	2.130	2.487	2.487	2.487	2.487	1.200	1.200	3.175	3.475	3.473			UNSECURED SUBORDINATED DEBT	0.2	0.2	0.3	0.3	0.3	0.3	0.3	0.2	0.2	0.4	0.5	0.5
		OTHER LIABILITIES	75.592	81.945	72.435	72.430	70.939	70.299	68.829	62.210	65.583	60.071	68.149	62.567			OTHER LIABILITIES	10.7	11.4	10.0	9.9	9.3	9.0	8.9	8.7	9.3	8.4	9.2	8.5
		Capital Accounts	111.990	110.702	119.869	121.041	115.319	115.091	112.782	111.948	111.957	114.590	115.887	115.678			Capital Accounts	15.8	15.4	16.6	16.5	15.2	14.8	14.5	15.6	15.9	16.1	15.6	15.6
		CAPITAL STOCK	43.440	43.440	46.440	47.375	47.375	47.656	42.656	39.219	39.219	39.219	39.219	39.219			CAPITAL STOCK	6.1	6.0	6.4	6.5	6.2	6.1	5.5	5.5	5.6	5.5	5.3	5.3
		ASSIGNED CAPITAL	12.262	12.262	12.262	12.262	12.262	12.262	12.262	12.262	12.262	12.262	12.262	12.464			ASSIGNED CAPITAL	1.7	1.7	1.7	1.7	1.6	1.6	1.6	1.7	1.7	1.7	1.6	1.7
		NET DUE TO H.O. BRANCHES/AGENCIES	45.552	44.041	49.039	49.048	44.365	46.729	40.916	46.092	47.352	46.637	47.693	49.742			NET DUE TO H.O. BRANCHES/AGENCIES	6.4	6.1	6.8	6.7	5.8	6.0	5.3	6.4	6.7	6.6	6.4	6.7
		SURPLUS, SURPLUS RESERVES & UNDIVIDED PROFITS	10.737	10.959	12.128	12.357	11.317	8.444	16.948	14.375	13.124	16.472	16.713	14.253			SURPLUS, SURPLUS RESERVES & UNDIVIDED PROFITS	1.5	1.5	1.7	1.7	1.5	1.1	2.2	2.0	1.9	2.3	2.2	1.9

	^1/ Inclusive of other branches / subsidiaries of foreign banks															^1/ Inclusive of other branches / subsidiaries of foreign banks
	^2/ Inclusive of Interbank Loans Receivable															^2/ Inclusive of Interbank Loans Receivable
	Note: Details may not add up to totals due to rounding-off															Note: Details may not add up to totals due to rounding-off
	Source : Supervisory Data Center, Supervision and Examination Sector															Source : Supervisory Data Center, Supervision and Examination Sector

	Updated as of 1April 2008