12  CONSOLIDATED STATEMENT OF CONDITION
Universal and Commercial Banking System
as of end of periods indicated
in billion pesos
	Selected Accounts			UNIVERSAL AND COMMERCIAL BANKS												% SHARE
				Jan-07	Feb-07	Mar-07	Apr-07	May-07	Jun-07	Jul-07	Aug-07	Sep-07	Oct-07	Nov-07	Dec-07	Jan-07	Feb-07	Mar-07	Apr-07	May-07	Jun-07	Jul-07	Aug-07	Sep-07	Oct-07	Nov-07	Dec-07
	ASSETS 1/			4,315.354	4,285.234	4,367.677	4,391.084	4,302.135	4,357.389	4,360.127	4,300.248	4,303.460	4,264.194	4,407.910	4,488.279	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		564.877	604.824	654.888	647.462	627.154	654.188	689.232	664.609	646.976	643.954	648.711	667.682	13.1	14.1	15.0	14.7	14.6	15.0	15.8	15.5	15.0	15.1	14.7	14.9
		TOTAL LOAN PORTFOLIO, GROSS		2,100.296	2,082.851	2,079.907	2,110.573	2,029.963	2,024.196	1,994.409	1,972.044	2,015.453	1,997.884	2,122.921	2,203.733	48.7	48.6	47.6	48.1	47.2	46.5	45.7	45.9	46.8	46.9	48.2	49.1
		Interbank Loans Receivable		417.627	423.905	407.867	381.885	396.283	395.331	357.182	322.062	354.789	279.139	314.128	341.412	9.7	9.9	9.3	8.7	9.2	9.1	8.2	7.5	8.2	6.5	7.1	7.6
		Loans and Discounts		978.839	934.084	942.729	960.020	955.131	956.274	965.504	980.318	993.635	1,036.201	1,086.209	1,095.899	22.7	21.8	21.6	21.9	22.2	21.9	22.1	22.8	23.1	24.3	24.6	24.4
		Agra/Agri Credit Loans		127.965	144.519	148.032	150.350	150.112	162.054	152.434	148.171	145.686	140.487	143.768	152.453	3.0	3.4	3.4	3.4	3.5	3.7	3.5	3.4	3.4	3.3	3.3	3.4
		Development Incentive Loans		50.096	52.362	52.448	52.531	51.532	54.613	53.724	53.647	54.771	54.066	53.583	60.382	1.2	1.2	1.2	1.2	1.2	1.3	1.2	1.2	1.3	1.3	1.2	1.3
		Bills Purchased		59.657	58.489	57.374	74.241	58.247	56.133	72.419	63.294	60.847	78.787	65.744	71.337	1.4	1.4	1.3	1.7	1.4	1.3	1.7	1.5	1.4	1.8	1.5	1.6
		Customers' Liabilities - LC/TR		103.523	101.674	96.616	96.729	96.012	96.443	94.609	99.800	97.635	94.761	100.849	101.343	2.4	2.4	2.2	2.2	2.2	2.2	2.2	2.3	2.3	2.2	2.3	2.3
		Customers' Liabilities - Accept O/S		8.174	8.181	9.313	7.452	8.093	9.191	7.636	8.331	7.454	7.256	8.064	7.631	0.2	0.2	0.2	0.2	0.2	0.2	0.2	0.2	0.2	0.2	0.2	0.2
		Trading Account Securities - Loans		200.899	209.474	213.626	232.976	159.834	139.663	137.512	142.068	145.864	149.304	192.035	214.169	4.7	4.9	4.9	5.3	3.7	3.2	3.2	3.3	3.4	3.5	4.4	4.8
		Underwriting Accounts		1.800	1.300	2.300	2.500	2.500	2.850	3.400	3.400	4.150	3.650	4.650	4.150	0.0	0.0	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1
		Restructured Loans		79.653	79.502	75.731	75.811	75.297	73.446	71.190	70.579	69.279	70.626	68.360	65.381	1.8	1.9	1.7	1.7	1.8	1.7	1.6	1.6	1.6	1.7	1.6	1.5
		Credit Card Receivables		72.059	69.312	73.867	76.078	76.920	78.192	78.792	80.361	81.336	83.591	85.514	89.545	1.7	1.6	1.7	1.7	1.8	1.8	1.8	1.9	1.9	2.0	1.9	2.0
		Microfinance Loans		0.002	0.049	0.002	0.002	0.002	0.007	0.007	0.012	0.007	0.016	0.018	0.031	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	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		116.395	115.517	107.831	108.266	110.943	108.020	107.587	107.222	107.201	107.868	108.195	100.077	2.7	2.7	2.5	2.5	2.6	2.5	2.5	2.5	2.5	2.5	2.5	2.2
		TOTAL LOAN PORTFOLIO, NET 2/		1,983.901	1,967.334	1,972.075	2,002.307	1,919.020	1,916.176	1,886.822	1,864.822	1,908.252	1,890.016	2,014.726	2,103.656	46.0	45.9	45.2	45.6	44.6	44.0	43.3	43.4	44.3	44.3	45.7	46.9
		TOTAL INVESTMENTS, GROSS		1,170.625	1,165.399	1,199.575	1,195.387	1,219.808	1,269.231	1,272.849	1,266.817	1,231.518	1,191.521	1,194.664	1,165.717	27.1	27.2	27.5	27.2	28.4	29.1	29.2	29.5	28.6	27.9	27.1	26.0
		Underwriting Accounts - Equity Securities		0.097	0.060	0.049	0.049	0.049	0.047	0.047	0.113	0.087	0.083	0.071	0.070	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		188.862	217.668	214.187	209.618	228.031	208.551	216.018	209.267	202.875	201.052	205.344	169.168	4.4	5.1	4.9	4.8	5.3	4.8	5.0	4.9	4.7	4.7	4.7	3.8
		Trading Account Securities - Equity		0.361	0.380	0.396	0.374	0.416	0.473	0.600	0.944	1.926	1.732	1.616	1.457	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)		557.716	554.143	618.380	619.930	627.571	694.267	693.017	708.531	670.780	627.496	625.015	630.738	12.9	12.9	14.2	14.1	14.6	15.9	15.9	16.5	15.6	14.7	14.2	14.1
		Investment in Bonds and Other Debt Instruments		319.405	287.846	258.383	255.041	253.138	253.588	251.668	236.566	245.787	249.813	250.331	246.154	7.4	6.7	5.9	5.8	5.9	5.8	5.8	5.5	5.7	5.9	5.7	5.5
		Equity Investments - Allied/Non-Allied Undertakings		104.184	105.301	108.180	110.376	110.601	112.305	111.500	111.396	110.063	111.346	112.288	118.129	2.4	2.5	2.5	2.5	2.6	2.6	2.6	2.6	2.6	2.6	2.5	2.6
		ACCUMULATED MARKET GAIN/LOSS - INVESTMENTS		22.090	22.304	23.656	24.431	24.295	17.994	7.686	6.452	17.668	20.710	16.998	23.411	0.5	0.5	0.5	0.6	0.6	0.4	0.2	0.2	0.4	0.5	0.4	0.5
		ALLOWANCE FOR PROBABLE LOSSES - INVESTMENTS		7.579	7.148	7.357	7.379	7.402	7.171	7.030	7.067	7.052	6.666	7.321	8.204	0.2	0.2	0.2	0.2	0.2	0.2	0.2	0.2	0.2	0.2	0.2	0.2
		TOTAL INVESTMENTS, NET		1,185.136	1,180.555	1,215.874	1,212.439	1,236.700	1,280.054	1,273.506	1,266.201	1,242.133	1,205.565	1,204.341	1,180.923	27.5	27.5	27.8	27.6	28.7	29.4	29.2	29.4	28.9	28.3	27.3	26.3
		FIXED ASSETS		75.479	75.415	74.420	74.704	74.021	73.580	73.375	73.041	73.197	73.278	73.356	73.904	1.7	1.8	1.7	1.7	1.7	1.7	1.7	1.7	1.7	1.7	1.7	1.6
		ROPOA, GROSS		170.058	168.793	162.698	161.068	163.114	162.107	159.572	158.642	158.120	156.304	155.865	153.348	3.9	3.9	3.7	3.7	3.8	3.7	3.7	3.7	3.7	3.7	3.5	3.4
		ALLOWANCE FOR PROBABLE LOSSES - ROPOA		15.491	15.435	14.207	13.773	13.749	13.901	13.936	13.949	14.610	14.504	15.375	14.465	0.4	0.4	0.3	0.3	0.3	0.3	0.3	0.3	0.3	0.3	0.3	0.3
		ROPOA, NET		154.567	153.359	148.491	147.295	149.365	148.206	145.636	144.693	143.510	141.800	140.490	138.883	3.6	3.6	3.4	3.4	3.5	3.4	3.3	3.4	3.3	3.3	3.2	3.1
		OTHER ASSETS		351.394	303.748	301.929	306.876	295.874	285.187	291.556	286.881	289.392	309.580	326.285	323.231	8.1	7.1	6.9	7.0	6.9	6.5	6.7	6.7	6.7	7.3	7.4	7.2
	LIABILITIES AND CAPITAL			4,315.354	4,285.234	4,367.677	4,391.084	4,302.135	4,357.389	4,360.127	4,300.248	4,303.460	4,264.194	4,407.910	4,488.279	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		3,828.674	3,794.524	3,869.745	3,891.105	3,803.885	3,865.937	3,885.114	3,828.143	3,807.145	3,760.389	3,906.961	3,965.030	88.7	88.5	88.6	88.6	88.4	88.7	89.1	89.0	88.5	88.2	88.6	88.3
		DEPOSIT LIABILITIES		3,109.634	3,115.474	3,171.840	3,225.151	3,119.045	3,199.404	3,161.309	3,083.547	3,061.001	3,019.286	3,075.133	3,185.489	72.1	72.7	72.6	73.4	72.5	73.4	72.5	71.7	71.1	70.8	69.8	71.0
		Domestic		2,228.869	2,246.745	2,290.299	2,353.018	2,261.012	2,336.110	2,320.187	2,218.292	2,201.026	2,221.103	2,295.936	2,419.879	51.6	52.4	52.4	53.6	52.6	53.6	53.2	51.6	51.1	52.1	52.1	53.9
		Demand and Now		479.293	485.759	505.085	542.641	529.248	533.949	549.839	520.148	489.637	497.009	507.092	523.974	11.1	11.3	11.6	12.4	12.3	12.3	12.6	12.1	11.4	11.7	11.5	11.7
		Savings		1,152.766	1,156.698	1,171.764	1,192.223	1,137.506	1,169.349	1,167.055	1,120.065	1,118.345	1,127.533	1,159.187	1,222.943	26.7	27.0	26.8	27.2	26.4	26.8	26.8	26.0	26.0	26.4	26.3	27.2
		Time		596.811	604.288	613.451	618.154	594.258	632.812	603.293	578.078	593.045	596.560	629.657	672.962	13.8	14.1	14.0	14.1	13.8	14.5	13.8	13.4	13.8	14.0	14.3	15.0
		Foreign Currency		880.765	868.730	881.541	872.133	858.033	863.294	841.122	865.255	859.975	798.184	779.197	765.610	20.4	20.3	20.2	19.9	19.9	19.8	19.3	20.1	20.0	18.7	17.7	17.1
		BILLS PAYABLE		322.252	309.838	326.116	295.611	304.462	305.092	330.236	351.921	372.097	334.169	397.737	361.127	7.5	7.2	7.5	6.7	7.1	7.0	7.6	8.2	8.6	7.8	9.0	8.0
		Deposit Substitutes		6.679	10.809	10.201	9.831	6.245	5.116	17.254	9.964	13.430	13.476	11.904	8.282	0.2	0.3	0.2	0.2	0.1	0.1	0.4	0.2	0.3	0.3	0.3	0.2
		Others		315.572	299.029	315.915	285.780	298.217	299.977	312.982	341.957	358.667	320.693	385.833	352.845	7.3	7.0	7.2	6.5	6.9	6.9	7.2	8.0	8.3	7.5	8.8	7.9
		SPECIAL FINANCING		0.009	0.009	0.009	0.009	0.009	0.009	0.009	0.009	0.009	0.009	0.009	0.009	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		0.005	0.006	0.006	0.006	0.006	0.006	0.006	0.006	0.006	0.006	0.006	0.006	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		0.004	0.004	0.004	0.004	0.004	0.004	0.004	0.004	0.004	0.003	0.003	0.003	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		75.556	75.248	74.951	74.371	73.252	72.841	71.957	72.380	71.258	78.402	82.179	80.981	1.8	1.8	1.7	1.7	1.7	1.7	1.7	1.7	1.7	1.8	1.9	1.8
		OTHER LIABILITIES		321.224	293.954	296.828	295.962	307.116	288.591	321.602	320.286	302.780	328.523	351.904	337.425	7.4	6.9	6.8	6.7	7.1	6.6	7.4	7.4	7.0	7.7	8.0	7.5
		Capital Accounts		486.680	490.711	497.932	499.978	498.250	491.452	475.013	472.105	496.315	503.804	500.949	523.249	11.3	11.5	11.4	11.4	11.6	11.3	10.9	11.0	11.5	11.8	11.4	11.7
		CAPITAL STOCK		197.106	196.972	199.861	200.053	206.607	206.600	206.489	212.054	211.868	212.023	211.909	213.229	4.6	4.6	4.6	4.6	4.8	4.7	4.7	4.9	4.9	5.0	4.8	4.8
		ASSIGNED CAPITAL		16.792	16.792	16.792	16.792	17.973	17.973	18.723	18.861	18.961	18.961	18.961	18.961	0.4	0.4	0.4	0.4	0.4	0.4	0.4	0.4	0.4	0.4	0.4	0.4
		NET DUE TO H.O. BRANCHES/AGENCIES		60.739	59.427	57.638	56.462	62.181	63.071	62.032	56.133	58.447	59.846	57.557	60.005	1.4	1.4	1.3	1.3	1.4	1.4	1.4	1.3	1.4	1.4	1.3	1.3
		SURPLUS, SURPLUS RESERVES & UNDIVIDED PROFITS		212.042	217.520	223.641	226.672	211.489	203.808	187.769	185.057	207.039	212.975	212.522	231.054	4.9	5.1	5.1	5.2	4.9	4.7	4.3	4.3	4.8	5.0	4.8	5.1
	1/ Figures 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 1 April 2008