21  CONSOLIDATED STATEMENT OF CONDITION
Universal Banking System 1/
as of end of periods indicated
in billion pesos
	Selected Accounts			UNIVERSAL 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 2/			3,551.919	3,489.705	3,589.994	3,606.941	3,533.705	3,580.246	3,554.126	3,510.645	3,600.249	3,551.197	3,691.762	3,770.250	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		443.273	486.062	531.397	522.466	499.959	519.906	541.318	514.371	520.915	520.046	527.841	564.859	12.5	13.9	14.8	14.5	14.1	14.5	15.2	14.7	14.5	14.6	14.3	15.0
		TOTAL LOAN PORTFOLIO, GROSS		1,691.274	1,660.934	1,679.021	1,688.715	1,639.209	1,647.974	1,612.020	1,586.850	1,660.331	1,633.546	1,750.378	1,812.892	47.6	47.6	46.8	46.8	46.4	46.0	45.4	45.2	46.1	46.0	47.4	48.1
		Interbank Loans Receivable		314.331	309.564	304.351	276.173	292.155	305.815	250.993	224.377	246.677	178.018	194.343	231.662	8.8	8.9	8.5	7.7	8.3	8.5	7.1	6.4	6.9	5.0	5.3	6.1
		Loans and Discounts		823.862	785.707	796.870	810.920	810.529	810.520	810.476	825.907	860.367	899.205	948.426	962.194	23.2	22.5	22.2	22.5	22.9	22.6	22.8	23.5	23.9	25.3	25.7	25.5
		Agra/Agri Credit Loans		117.160	133.417	136.949	140.345	139.294	150.389	140.050	135.807	133.586	128.543	132.097	135.953	3.3	3.8	3.8	3.9	3.9	4.2	3.9	3.9	3.7	3.6	3.6	3.6
		Development Incentive Loans		46.681	48.909	48.868	48.808	48.296	49.973	50.029	49.876	51.732	51.612	51.114	57.397	1.3	1.4	1.4	1.4	1.4	1.4	1.4	1.4	1.4	1.5	1.4	1.5
		Bills Purchased		50.906	50.160	52.179	64.889	52.197	49.389	66.074	56.456	56.250	69.383	60.048	61.782	1.4	1.4	1.5	1.8	1.5	1.4	1.9	1.6	1.6	2.0	1.6	1.6
		Customers' Liabilities - LC/TR		87.563	86.641	83.390	84.290	85.526	86.225	84.427	90.036	88.386	85.128	91.083	91.886	2.5	2.5	2.3	2.3	2.4	2.4	2.4	2.6	2.5	2.4	2.5	2.4
		Customers' Liabilities - Accept O/S		6.837	6.467	7.099	5.665	5.849	7.158	5.795	5.753	5.145	4.998	6.279	5.612	0.2	0.2	0.2	0.2	0.2	0.2	0.2	0.2	0.1	0.1	0.2	0.1
		Trading Account Securities - Loans		130.682	130.065	137.749	144.367	91.486	75.578	92.509	86.333	105.943	102.010	152.298	152.202	3.7	3.7	3.8	4.0	2.6	2.1	2.6	2.5	2.9	2.9	4.1	4.0
		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	0.1	0.0	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1
		Restructured Loans		68.992	68.772	64.923	64.908	64.936	62.820	60.389	60.151	58.661	60.037	57.828	54.706	1.9	2.0	1.8	1.8	1.8	1.8	1.7	1.7	1.6	1.7	1.6	1.5
		Credit Card Receivables		42.460	39.883	44.341	45.848	46.439	47.250	47.869	48.739	49.427	50.947	52.195	55.316	1.2	1.1	1.2	1.3	1.3	1.3	1.3	1.4	1.4	1.4	1.4	1.5
		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		101.601	100.723	93.107	93.540	96.136	93.105	92.420	92.305	93.637	94.387	94.622	85.997	2.9	2.9	2.6	2.6	2.7	2.6	2.6	2.6	2.6	2.7	2.6	2.3
		TOTAL LOAN PORTFOLIO, NET 3/		1,589.673	1,560.211	1,585.914	1,595.176	1,543.072	1,554.869	1,519.600	1,494.544	1,566.694	1,539.160	1,655.757	1,726.895	44.8	44.7	44.2	44.2	43.7	43.4	42.8	42.6	43.5	43.3	44.9	45.8
		TOTAL INVESTMENTS, GROSS		1,006.724	979.659	1,011.660	1,024.294	1,041.715	1,072.271	1,067.815	1,079.897	1,069.182	1,032.666	1,036.966	1,013.177	28.3	28.1	28.2	28.4	29.5	29.9	30.0	30.8	29.7	29.1	28.1	26.9
		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		166.224	178.447	174.542	178.577	189.555	158.679	155.752	159.272	156.314	152.580	162.130	128.508	4.7	5.1	4.9	5.0	5.4	4.4	4.4	4.5	4.3	4.3	4.4	3.4
		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	0.1	0.0	0.0	0.0
		Avaiable for Sale Securities (ASS)		458.907	450.489	514.123	524.360	536.017	594.902	596.325	619.312	599.666	561.125	554.485	562.843	12.9	12.9	14.3	14.5	15.2	16.6	16.8	17.6	16.7	15.8	15.0	14.9
		Investment in Bonds and Other Debt Instruments		278.334	246.364	215.753	211.942	206.458	207.248	204.975	190.240	202.485	207.159	207.736	203.933	7.8	7.1	6.0	5.9	5.8	5.8	5.8	5.4	5.6	5.8	5.6	5.4
		Equity Investments - Allied/Non-Allied Undertakings		102.801	103.919	106.797	108.993	109.219	110.922	110.117	110.017	108.705	109.987	110.929	116.365	2.9	3.0	3.0	3.0	3.1	3.1	3.1	3.1	3.0	3.1	3.0	3.1
		ACCUMULATED MARKET GAIN/LOSS - INVESTMENTS		21.608	21.913	23.405	24.173	24.216	18.441	8.973	7.648	17.998	20.875	17.489	23.212	0.6	0.6	0.7	0.7	0.7	0.5	0.3	0.2	0.5	0.6	0.5	0.6
		ALLOWANCE FOR PROBABLE LOSSES - INVESTMENTS		7.136	6.706	6.911	6.934	6.973	6.741	6.601	6.637	6.625	6.238	6.895	7.778	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		1,021.196	994.867	1,028.154	1,041.533	1,058.958	1,083.970	1,070.188	1,080.908	1,080.556	1,047.303	1,047.560	1,028.611	28.8	28.5	28.6	28.9	30.0	30.3	30.1	30.8	30.0	29.5	28.4	27.3
		FIXED ASSETS		66.208	66.182	65.166	65.455	64.789	64.850	64.639	64.293	66.117	66.279	66.317	66.854	1.9	1.9	1.8	1.8	1.8	1.8	1.8	1.8	1.8	1.9	1.8	1.8
		ROPOA, GROSS		155.869	154.325	148.261	146.736	145.851	144.729	142.272	141.320	145.845	144.278	143.847	141.194	4.4	4.4	4.1	4.1	4.1	4.0	4.0	4.0	4.1	4.1	3.9	3.7
		ALLOWANCE FOR PROBABLE LOSSES - ROPOA		14.978	14.916	13.561	13.158	13.114	13.137	13.173	13.185	14.017	13.909	14.779	13.843	0.4	0.4	0.4	0.4	0.4	0.4	0.4	0.4	0.4	0.4	0.4	0.4
		ROPOA, NET		140.890	139.409	134.700	133.578	132.737	131.592	129.100	128.135	131.828	130.369	129.068	127.351	4.0	4.0	3.8	3.7	3.8	3.7	3.6	3.6	3.7	3.7	3.5	3.4
		OTHER ASSETS		290.679	242.975	244.662	248.733	234.189	225.059	229.282	228.393	234.139	248.040	265.220	255.680	8.2	7.0	6.8	6.9	6.6	6.3	6.5	6.5	6.5	7.0	7.2	6.8
	LIABILITIES AND CAPITAL			3,551.919	3,489.705	3,589.994	3,606.941	3,533.705	3,580.246	3,554.126	3,510.645	3,600.249	3,551.197	3,691.762	3,770.250	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		3,177.836	3,110.757	3,201.943	3,215.645	3,151.230	3,204.705	3,190.791	3,144.066	3,205.586	3,150.890	3,291.673	3,352.584	89.5	89.1	89.2	89.2	89.2	89.5	89.8	89.6	89.0	88.7	89.2	88.9
		DEPOSIT LIABILITIES		2,590.521	2,567.697	2,643.236	2,677.001	2,592.336	2,661.640	2,606.258	2,529.595	2,588.818	2,551.187	2,607.027	2,704.991	72.9	73.6	73.6	74.2	73.4	74.3	73.3	72.1	71.9	71.8	70.6	71.7
		Domestic		1,909.014	1,917.931	1,966.015	2,012.533	1,935.848	1,998.461	1,963.785	1,866.834	1,905.289	1,913.593	1,987.971	2,103.359	53.7	55.0	54.8	55.8	54.8	55.8	55.3	53.2	52.9	53.9	53.8	55.8
		Demand and Now		410.211	414.086	435.129	460.173	450.356	460.122	460.468	435.739	415.390	417.879	431.433	442.848	11.5	11.9	12.1	12.8	12.7	12.9	13.0	12.4	11.5	11.8	11.7	11.7
		Savings		1,024.665	1,026.999	1,043.782	1,064.660	1,015.610	1,041.581	1,037.776	984.247	1,017.273	1,023.356	1,050.934	1,109.787	28.8	29.4	29.1	29.5	28.7	29.1	29.2	28.0	28.3	28.8	28.5	29.4
		Time		474.138	476.846	487.103	487.700	469.881	496.758	465.540	446.847	472.625	472.359	505.604	550.724	13.3	13.7	13.6	13.5	13.3	13.9	13.1	12.7	13.1	13.3	13.7	14.6
		Foreign Currency		681.507	649.766	677.221	664.469	656.488	663.178	642.473	662.762	683.529	637.593	619.056	601.632	19.2	18.6	18.9	18.4	18.6	18.5	18.1	18.9	19.0	18.0	16.8	16.0
		BILLS PAYABLE		256.699	245.519	259.321	234.599	249.731	250.299	272.196	289.399	300.733	257.409	321.571	303.304	7.2	7.0	7.2	6.5	7.1	7.0	7.7	8.2	8.4	7.2	8.7	8.0
		Deposit Substitutes		4.943	9.175	8.113	7.740	4.788	3.497	14.507	8.029	11.994	12.141	10.303	7.041	0.1	0.3	0.2	0.2	0.1	0.1	0.4	0.2	0.3	0.3	0.3	0.2
		Others		251.755	236.344	251.208	226.860	244.943	246.802	257.689	281.370	288.739	245.268	311.268	296.264	7.1	6.8	7.0	6.3	6.9	6.9	7.3	8.0	8.0	6.9	8.4	7.9
		SPECIAL FINANCING		0.008	0.008	0.008	0.008	0.008	0.008	0.008	0.008	0.008	0.008	0.008	0.008	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		0.004	0.005	0.005	0.005	0.005	0.005	0.005	0.005	0.005	0.005	0.005	0.005	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		72.084	71.776	71.479	70.899	69.779	69.367	68.483	68.906	67.776	74.920	78.696	77.498	2.0	2.1	2.0	2.0	2.0	1.9	1.9	2.0	1.9	2.1	2.1	2.1
		OTHER LIABILITIES		258.525	225.757	227.899	233.137	239.376	223.390	243.846	256.158	248.251	267.367	284.371	266.783	7.3	6.5	6.3	6.5	6.8	6.2	6.9	7.3	6.9	7.5	7.7	7.1
		Capital Accounts		374.082	378.948	388.051	391.296	382.474	375.541	363.335	366.579	394.663	400.306	400.090	417.666	10.5	10.9	10.8	10.8	10.8	10.5	10.2	10.4	11.0	11.3	10.8	11.1
		CAPITAL STOCK		157.888	157.754	160.643	160.834	167.389	167.381	167.270	172.835	177.649	177.481	177.367	177.187	4.4	4.5	4.5	4.5	4.7	4.7	4.7	4.9	4.9	5.0	4.8	4.7
		ASSIGNED CAPITAL		4.328	4.328	4.328	4.328	4.328	4.328	5.078	5.216	5.216	5.216	5.216	5.216	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1
		NET DUE TO H.O. BRANCHES/AGENCIES		12.983	12.983	12.983	12.983	12.983	12.983	15.233	15.647	15.647	15.647	15.647	15.647	0.4	0.4	0.4	0.4	0.4	0.4	0.4	0.4	0.4	0.4	0.4	0.4
		SURPLUS, SURPLUS RESERVES & UNDIVIDED PROFITS		198.884	203.884	210.098	213.152	197.776	190.850	175.755	172.881	196.151	201.962	201.859	219.616	5.6	5.8	5.9	5.9	5.6	5.3	4.9	4.9	5.4	5.7	5.5	5.8
	1/ Inclusive of branches of foreign banks and government banks with universal banking license
	2/ Figures adjusted to net off the account "Due from Head Office" with "Due to Head Office" of branches of foreign banks
	3/  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