39  CONSOLIDATED STATEMENT OF CONDITION																39  CONSOLIDATED STATEMENT OF CONDITION
Thrift Banking System																Thrift Banking System
as of end of periods indicated																as of end of periods indicated
in billion pesos																in billion pesos
	Selected Accounts			TOTAL THRIFT BANKS													Selected Accounts										% SHARE
				Jan-06	Feb-06	Mar-06	Apr-06	May-06	Jun-06	Jul-06	Aug-06	Sep-06	Oct-06	Nov-06	Dec-06							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			350.723	353.511	352.470	356.976	366.715	375.719	389.940	392.722	404.792	412.235	421.969	440.859		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		32.055	31.921	32.291	33.934	33.508	35.792	41.142	37.530	35.297	39.863	44.021	52.122			CASH AND DUE FROM BANKS				9.1	9.0	9.2	9.5	9.1	9.5	10.6	9.6	8.7	9.7	10.4	11.8
		TOTAL LOAN PORTFOLIO, GROSS		199.647	205.214	206.288	209.034	216.542	218.981	228.141	233.563	240.409	242.833	244.313	250.888			TOTAL LOAN PORTFOLIO, GROSS				56.9	58.1	58.5	58.6	59.0	58.3	58.5	59.5	59.4	58.9	57.9	56.9
		Interbank Loans Receivable		15.149	13.764	15.149	16.034	17.553	17.953	22.854	23.372	23.474	26.331	24.787	29.411			Interbank Loans Receivable				4.3	3.9	4.3	4.5	4.8	4.8	5.9	6.0	5.8	6.4	5.9	6.7
		Loans and Discounts		144.332	145.740	146.940	147.262	149.602	151.108	156.629	158.890	160.607	162.984	165.909	167.686			Loans and Discounts				41.2	41.2	41.7	41.3	40.8	40.2	40.2	40.5	39.7	39.5	39.3	38.0
		Agra/Agri Credit Loans		7.016	7.661	8.299	8.822	8.970	8.505	8.596	8.609	8.500	8.863	9.297	9.382			Agra/Agri Credit Loans				2.0	2.2	2.4	2.5	2.4	2.3	2.2	2.2	2.1	2.1	2.2	2.1
		Development Incentive Loans		19.042	19.025	19.756	20.278	20.252	21.476	20.548	20.703	21.937	21.627	22.167	24.006			Development Incentive Loans				5.4	5.4	5.6	5.7	5.5	5.7	5.3	5.3	5.4	5.2	5.3	5.4
		Bills Purchased		1.361	1.225	0.900	0.945	1.154	0.896	1.398	0.869	0.568	1.201	1.311	0.990			Bills Purchased				0.4	0.3	0.3	0.3	0.3	0.2	0.4	0.2	0.1	0.3	0.3	0.2
		Customers' Liabilities - LC/TR		0.638	0.627	0.601	0.619	0.630	0.612	0.753	0.786	0.842	0.807	0.834	0.799			Customers' Liabilities - LC/TR				0.2	0.2	0.2	0.2	0.2	0.2	0.2	0.2	0.2	0.2	0.2	0.2
		Customers' Liabilities - Accept O/S		-	-	-	-	-	-	-	-	-	-	-	-			Customers' Liabilities - Accept O/S				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 - Loans		2.773	8.070	5.579	5.646	8.977	9.184	8.018	10.878	14.949	9.962	8.820	7.481			Trading Account Securities - Loans				0.8	2.3	1.6	1.6	2.4	2.4	2.1	2.8	3.7	2.4	2.1	1.7
		Underwriting Accounts		-	-	-	-	-	-	-	-	-	-	-	-			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		6.111	5.886	5.880	6.131	6.060	5.892	5.952	5.987	5.999	5.864	5.889	5.618			Restructured Loans				1.7	1.7	1.7	1.7	1.7	1.6	1.5	1.5	1.5	1.4	1.4	1.3
		Credit Card Receivables		2.876	2.860	2.827	2.897	2.923	2.936	2.959	3.023	3.114	4.735	4.834	5.040			Credit Card Receivables				0.8	0.8	0.8	0.8	0.8	0.8	0.8	0.8	0.8	1.1	1.1	1.1
		Microfinance Loans		0.348	0.355	0.357	0.401	0.420	0.418	0.433	0.445	0.418	0.460	0.464	0.474			Microfinance Loans				0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1
		ACCUMULATED MARKET GAIN/LOSS - LOANS		-	-	-	-	-	-	-	-	-	-	-	-			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		9.118	9.277	9.530	10.136	10.734	10.796	11.530	11.611	11.606	11.798	11.979	11.856			ALLOWANCE FOR PROBABLE LOSSES - LOANS				2.6	2.6	2.7	2.8	2.9	2.9	3.0	3.0	2.9	2.9	2.8	2.7
		TOTAL LOAN PORTFOLIO, NET 2/		190.529	195.937	196.758	198.898	205.808	208.185	216.611	221.952	228.802	231.035	232.333	239.032			TOTAL LOAN PORTFOLIO, NET 2/				54.3	55.4	55.8	55.7	56.1	55.4	55.5	56.5	56.5	56.0	55.1	54.2
		TOTAL INVESTMENTS, GROSS		65.693	62.302	60.768	60.078	62.665	65.808	64.636	68.028	74.899	73.869	77.300	76.509			TOTAL INVESTMENTS, GROSS				18.7	17.6	17.2	16.8	17.1	17.5	16.6	17.3	18.5	17.9	18.3	17.4
		Underwriting Accounts - Equity Securities		-	-	-	-	-	-	-	-	-	-	-	-			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		4.194	3.515	3.000	2.578	2.281	2.431	3.067	3.783	3.153	3.369	4.964	3.074			Trading Account Securities - Investments				1.2	1.0	0.9	0.7	0.6	0.6	0.8	1.0	0.8	0.8	1.2	0.7
		Trading Account Securities - Equity		-	-	-	-	-	-	-	-	-	-	-	-			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)		29.048	26.002	23.865	24.412	27.100	28.762	27.543	29.767	41.156	40.341	41.722	44.013			Avaiable for Sale Securities (ASS)				8.3	7.4	6.8	6.8	7.4	7.7	7.1	7.6	10.2	9.8	9.9	10.0
		Investment in Bonds and Other Debt Instruments		31.938	32.272	33.383	32.591	32.780	34.102	33.502	33.881	30.048	29.614	30.075	28.737			Investment in Bonds and Other Debt Instruments				9.1	9.1	9.5	9.1	8.9	9.1	8.6	8.6	7.4	7.2	7.1	6.5
		Equity Investments - Allied/Non-Allied Undertakings		0.512	0.513	0.520	0.497	0.504	0.513	0.524	0.596	0.542	0.545	0.538	0.685			Equity Investments - Allied/Non-Allied Undertakings				0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.2	0.1	0.1	0.1	0.2
		ACCUMULATED MARKET GAIN/LOSS - INVESTMENTS		1.008	0.953	0.914	0.972	0.284	0.165	0.323	0.613	-	1.398	2.098	0.000			ACCUMULATED MARKET GAIN/LOSS - INVESTMENTS				0.3	0.3	0.3	0.3	0.1	0.0	0.1	0.2	0.0	0.3	0.5	0.0
		ALLOWANCE FOR PROBABLE LOSSES - INVESTMENTS		0.219	0.219	0.219	0.158	0.157	0.157	0.158	0.230	0.231	0.231	0.231	0.231			ALLOWANCE FOR PROBABLE LOSSES - INVESTMENTS				0.1	0.1	0.1	0.0	0.0	0.0	0.0	0.1	0.1	0.1	0.1	0.1
		TOTAL INVESTMENTS, NET		66.481	63.036	61.463	60.892	62.793	65.816	64.801	68.411	74.667	75.035	79.167	76.278			TOTAL INVESTMENTS, NET				19.0	17.8	17.4	17.1	17.1	17.5	16.6	17.4	18.4	18.2	18.8	17.3
		FIXED ASSETS		11.195	11.641	11.774	11.764	11.840	13.333	11.001	10.971	10.974	10.910	10.810	10.856			FIXED ASSETS				3.2	3.3	3.3	3.3	3.2	3.5	2.8	2.8	2.7	2.6	2.6	2.5
		ROPOA, GROSS		32.011	32.076	32.063	32.086	32.326	32.833	35.318	34.745	35.948	35.850	35.825	35.586			ROPOA, GROSS				9.1	9.1	9.1	9.0	8.8	8.7	9.1	8.8	8.9	8.7	8.5	8.1
		ALLOWANCE FOR PROBABLE LOSSES - ROPOA		2.237	2.236	2.240	2.280	2.401	2.409	2.687	3.288	3.413	3.360	3.218	3.077			ALLOWANCE FOR PROBABLE LOSSES - ROPOA				0.6	0.6	0.6	0.6	0.7	0.6	0.7	0.8	0.8	0.8	0.8	0.7
		ROPOA, NET		29.775	29.840	29.823	29.806	29.925	30.425	32.631	31.456	32.536	32.491	32.607	32.509			ROPOA, NET				8.5	8.4	8.5	8.3	8.2	8.1	8.4	8.0	8.0	7.9	7.7	7.4
		OTHER ASSETS		20.688	21.135	20.362	21.682	22.840	22.168	23.754	22.401	22.516	22.902	23.030	30.063			OTHER ASSETS				5.9	6.0	5.8	6.1	6.2	5.9	6.1	5.7	5.6	5.6	5.5	6.8
	LIABILITIES AND CAPITAL			350.723	353.511	352.470	356.976	366.715	375.719	389.940	392.722	404.792	412.235	421.969	440.859		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		305.228	307.109	305.512	309.003	319.015	328.458	342.771	345.737	356.859	363.698	372.773	383.966			Liabilities				87.0	86.9	86.7	86.6	87.0	87.4	87.9	88.0	88.2	88.2	88.3	87.1
		DEPOSIT LIABILITIES		262.807	266.673	263.383	263.429	274.379	285.033	295.507	299.583	306.000	305.771	320.227	332.112			DEPOSIT LIABILITIES				74.9	75.4	74.7	73.8	74.8	75.9	75.8	76.3	75.6	74.2	75.9	75.3
		Domestic		223.117	227.760	226.138	225.751	234.580	244.200	254.957	258.861	265.007	264.939	278.803	289.509			Domestic				63.6	64.4	64.2	63.2	64.0	65.0	65.4	65.9	65.5	64.3	66.1	65.7
		Demand and Now		23.600	23.789	22.683	23.136	24.604	24.837	25.193	24.602	25.830	25.427	24.736	26.185			Demand and Now				6.7	6.7	6.4	6.5	6.7	6.6	6.5	6.3	6.4	6.2	5.9	5.9
		Savings		98.046	100.389	100.154	100.180	104.432	108.194	113.477	112.146	112.143	106.315	109.725	115.679			Savings				28.0	28.4	28.4	28.1	28.5	28.8	29.1	28.6	27.7	25.8	26.0	26.2
		Time		101.471	103.581	103.302	102.435	105.543	111.170	116.288	122.112	127.034	133.196	144.342	147.645			Time				28.9	29.3	29.3	28.7	28.8	29.6	29.8	31.1	31.4	32.3	34.2	33.5
		Foreign Currency		39.690	38.913	37.244	37.677	39.799	40.833	40.550	40.722	40.992	40.832	41.424	42.603			Foreign Currency				11.3	11.0	10.6	10.6	10.9	10.9	10.4	10.4	10.1	9.9	9.8	9.7
		BILLS PAYABLE		26.529	24.248	26.230	29.031	28.025	25.114	25.038	26.001	29.423	36.994	31.341	30.387			BILLS PAYABLE				7.6	6.9	7.4	8.1	7.6	6.7	6.4	6.6	7.3	9.0	7.4	6.9
		Deposit Substitutes		0.902	0.102	0.898	1.718	1.075	0.652	0.103	0.052	1.034	2.489	1.319	0.273			Deposit Substitutes				0.3	0.0	0.3	0.5	0.3	0.2	0.0	0.0	0.3	0.6	0.3	0.1
		Others		25.627	24.147	25.332	27.313	26.950	24.462	24.935	25.948	28.390	34.505	30.022	30.114			Others				7.3	6.8	7.2	7.7	7.3	6.5	6.4	6.6	7.0	8.4	7.1	6.8
		SPECIAL FINANCING		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 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		0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000			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		-	-	-	-	-	-	-	-	-	-	-	-			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		-	-	-	-	-	-	-	-	-	-	-	-			UNSECURED SUBORDINATED DEBT				0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
		OTHER LIABILITIES		15.892	16.188	15.899	16.543	16.612	18.312	22.226	20.154	21.437	20.932	21.204	21.467			OTHER LIABILITIES				4.5	4.6	4.5	4.6	4.5	4.9	5.7	5.1	5.3	5.1	5.0	4.9
		Capital Accounts		45.495	46.402	46.958	47.973	47.700	47.260	47.168	46.985	47.933	48.537	49.196	56.893			Capital Accounts				13.0	13.1	13.3	13.4	13.0	12.6	12.1	12.0	11.8	11.8	11.7	12.9
		CAPITAL STOCK		37.175	37.342	38.208	38.490	38.511	39.600	39.855	40.478	40.403	40.549	40.573	40.869			CAPITAL STOCK				10.6	10.6	10.8	10.8	10.5	10.5	10.2	10.3	10.0	9.8	9.6	9.3
		ASSIGNED CAPITAL		-	-	-	-	-	-	-	-	-	-	-	-			ASSIGNED CAPITAL				0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
		NET DUE TO H.O. BRANCHES/AGENCIES		-	-	-	-	-	-	-	-	-	-	-	-			NET DUE TO H.O. BRANCHES/AGENCIES				0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
		SURPLUS, SURPLUS RESERVES & UNDIVIDED PROFITS		8.320	9.061	8.750	9.483	9.189	7.661	7.313	6.507	7.529	7.988	8.623	16.024			SURPLUS, SURPLUS RESERVES & UNDIVIDED PROFITS				2.4	2.6	2.5	2.7	2.5	2.0	1.9	1.7	1.9	1.9	2.0	3.6
	1/ Inclusive of  Interbank Loans Receivable
	Source : Supervisory Data Center, Supervision and Examination Sector
	Updated as of 1April 2008