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-07 Jun-07 Sep-07 Dec-07 Mar-07 Jun-07 Sep-07 Dec-07  
   ASSETS   4,978.313 4,971.497 4,933.842 5,134.116 4,367.677 4,357.389 4,303.460 4,488.279
 
CASH AND DUE FROM BANKS 735.977 744.340 735.138 750.320 654.888 654.188 646.976 667.682  
TOTAL LOAN PORTFOLIO, GROSS 2,448.477 2,389.375 2,400.940 2,601.696 2,079.907 2,024.196 2,015.453 2,203.733  
   Interbank Loans Receivable 452.167 426.913 406.588 388.416 407.867 395.331 354.789 341.412  
   Loans and Discounts 1,159.371 1,182.188 1,228.106 1,339.654 942.729 956.274 993.635 1,095.899  
   Agra/Agri Credit Loans 192.278 208.248 191.756 199.855 148.032 162.054 145.686 152.453  
   Development Incentive Loans 79.684 82.439 82.293 89.058 52.448 54.613 54.771 60.382  
   Bills Purchased 58.534 56.944 62.094 72.454 57.374 56.133 60.847 71.337  
   Customers' Liabilities - LC/TR 97.521 97.463 98.707 102.416 96.616 96.443 97.635 101.343  
   Customers' Liabilities - Accept O/S 9.313 9.191 7.454 7.631 9.313 9.191 7.454 7.631  
   Trading Account Securities - Loans 230.932 152.141 151.600 226.016 213.626 139.663 145.864 214.169  
   Underwriting Accounts 2.300 2.850 4.150 4.150 2.300 2.850 4.150 4.150  
   Restructured Loans 82.416 80.029 75.830 71.353 75.731 73.446 69.279 65.381  
   Credit Card Receivables 78.673 83.157 86.419 95.024 73.867 78.192 81.336 89.545  
   Microfinance Loans 5.288 7.811 5.943 5.667 0.002 0.007 0.007 0.031  
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 123.440 124.326 123.735 115.966 107.831 108.020 107.201 100.077  
TOTAL LOAN PORTFOLIO, NET 2/ 2,324.301 2,265.050 2,277.205 2,485.730 1,972.075 1,916.176 1,908.252 2,103.656  
TOTAL INVESTMENTS, GROSS 1,278.150 1,349.694 1,310.520 1,250.504 1,199.575 1,269.231 1,231.518 1,165.717  
  Underwriting Accounts - Equity Securities 0.049 0.047 0.087 0.070 0.049 0.047 0.087 0.070  
  Trading Account Securities - Investments 218.376 209.742 204.024 170.977 214.187 208.551 202.875 169.168  
  Trading Account Securities - Equity 0.396 0.473 1.926 1.457 0.396 0.473 1.926 1.457  
  Avaiable for Sale Securities (ASS) 661.150 740.213 716.029 680.783 618.380 694.267 670.780 630.738  
  Investment in Bonds and Other Debt Instruments 289.127 285.945 277.344 278.021 258.383 253.588 245.787 246.154  
  Equity Investments - Allied/Non-Allied Undertakings 109.052 113.274 111.112 119.195 108.180 112.305 110.063 118.129  
ACCUMULATED MARKET GAIN/LOSS - INVESTMENTS 24.597 18.063 17.953 24.038 23.656 17.994 17.668 23.411  
ALLOWANCE FOR PROBABLE LOSSES - INVESTMENTS 7.697 7.511 7.452 8.772 7.357 7.171 7.052 8.204  
TOTAL INVESTMENTS, NET 1,295.049 1,360.246 1,321.022 1,265.770 1,215.874 1,280.054 1,242.133 1,180.923  
FIXED ASSETS 89.771 88.478 88.490 89.476 74.420 73.580 73.197 73.904  
ROPA, GROSS 209.778 208.369 204.869 198.947 162.698 162.107 158.120 153.348  
ALLOWANCE FOR PROBABLE LOSSES - ROPA 17.553 17.501 18.208 17.866 14.207 13.901 14.610 14.465  
ROPA, NET 192.208 190.868 186.661 181.082 148.491 148.206 143.510 138.883  
OTHER ASSETS 341.007 322.516 325.327 361.738 301.929 285.187 289.392 323.231  
   LIABILITIES AND CAPITAL 4,978.313 4,971.497 4,933.842 5,134.116 4,367.677 4,357.389 4,303.460 4,488.279
Liabilities 4,404.954 4,404.122 4,360.629 4,532.317 3,869.745 3,865.937 3,807.145 3,965.030  
DEPOSIT LIABILITIES 3,636.336 3,667.616 3,518.099 3,664.841 3,171.840 3,199.404 3,061.001 3,185.489  
   Domestic 2,710.658 2,759.302 2,613.186 2,856.578 2,290.299 2,336.110 2,201.026 2,419.879  
      Demand and Now 536.561 565.212 524.151 561.294 505.085 533.949 489.637 523.974  
      Savings 1,362.182 1,360.759 1,300.606 1,410.710 1,171.764 1,169.349 1,118.345 1,222.943  
      Time 811.915 833.332 788.430 884.574 613.451 632.812 593.045 672.962  
   Foreign Currency 925.678 908.314 904.912 808.263 881.541 863.294 859.975 765.610  
BILLS PAYABLE 363.665 342.725 436.958 415.433 326.116 305.092 372.097 361.127  
   Deposit Substitutes 10.670 5.180 15.140 8.865 10.201 5.116 13.430 8.282  
   Others 352.995 337.545 421.818 406.568 315.915 299.977 358.667 352.845  
SPECIAL FINANCING 0.186 0.167 0.160 0.149 0.009 0.009 0.009 0.009  
   Time Certificates of Deposits - SF 0.127 0.094 0.094 0.084 0.006 0.006 0.006 0.006  
   Special Time Deposits 0.060 0.073 0.066 0.065 0.004 0.004 0.004 0.003  
UNSECURED SUBORDINATED DEBT 74.951 72.841 71.258 81.981 74.951 72.841 71.258 80.981  
OTHER LIABILITIES 329.816 320.773 334.155 370.913 296.828 288.591 302.780 337.425  
Capital Accounts 573.359 567.375 573.213 601.799 497.932 491.452 496.315 523.249  
  CAPITAL STOCK 255.676 263.071 269.619 272.965 199.861 206.600 211.868 213.229  
  ASSIGNED CAPITAL 16.792 17.973 18.961 18.961 16.792 17.973 18.961 18.961  
  NET DUE TO H.O. BRANCHES/AGENCIES 57.638 63.071 58.447 60.005 57.638 63.071 58.447 60.005  
  SURPLUS, SURPLUS RESERVES & UNDIVIDED PROFITS 243.253 223.260 226.186 249.868 223.641 203.808 207.039 231.054  
                           
   
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-07 Jun-07 Sep-07 Dec-07 Mar-07 Jun-07 Sep-07 Dec-07
   ASSETS 468.632 465.073 477.924 485.594 142.004 149.035 152.459 160.243
CASH AND DUE FROM BANKS 54.188 61.317 60.542 53.292 26.900 28.835 27.621 29.346
TOTAL LOAN PORTFOLIO, GROSS 281.699 272.459 289.536 296.731 86.872 92.720 95.951 101.231  
   Interbank Loans Receivable 44.300 31.582 51.799 47.005 0.000 0.000 0.000 0.000  
   Loans and Discounts 169.653 176.383 180.887 186.099 46.990 49.531 53.584 57.655  
   Agra/Agri Credit Loans 12.392 13.658 12.753 12.703 31.854 32.536 33.317 34.699  
   Development Incentive Loans 25.117 25.608 24.995 25.999 2.119 2.218 2.527 2.677  
   Bills Purchased 1.160 0.811 1.247 1.117 0.000 0.000 0.000 0.000  
   Customers' Liabilities - LC/TR 0.904 1.021 1.072 1.073 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 17.305 12.478 5.736 11.847 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 5.612 5.472 5.425 4.880 1.072 1.111 1.126 1.092  
   Credit Card Receivables 4.806 4.965 5.083 5.479 0.000 0.000 0.000 0.000  
   Microfinance Loans 0.448 0.479 0.539 0.529 4.837 7.325 5.397 5.108  
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 12.468 12.302 12.382 11.617 3.141 4.003 4.152 4.272  
TOTAL LOAN PORTFOLIO, NET 2/ 269.231 260.157 277.153 285.115 82.995 88.717 91.799 96.959
TOTAL INVESTMENTS, GROSS 71.372 72.976 70.970 76.901 7.203 7.487 8.032 7.886  
  Underwriting Accounts - Equity Securities 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000  
  Trading Account Securities - Investments 4.189 1.192 1.148 1.809 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) 42.770 45.946 45.249 50.045 0.000 0.000 0.000 0.000  
  Investment in Bonds and Other Debt Instruments 23.678 25.003 23.666 24.121 7.066 7.353 7.891 7.746  
  Equity Investments - Allied/Non-Allied Undertakings 0.736 0.836 0.907 0.926 0.137 0.133 0.142 0.140  
ACCUMULATED MARKET GAIN/LOSS - INVESTMENTS 0.941 0.069 0.285 0.627 0.000 0.000 0.000 0.000  
ALLOWANCE FOR PROBABLE LOSSES - INVESTMENTS 0.231 0.231 0.292 0.462 0.110 0.109 0.108 0.106  
TOTAL INVESTMENTS, NET 72.082 72.815 70.964 77.067 7.093 7.377 7.925 7.780
FIXED ASSETS 10.787 10.149 10.314 10.385 4.564 4.750 4.979 5.186  
ROPA, GROSS 35.849 35.202 35.107 33.439 11.231 11.061 11.642 12.160  
ALLOWANCE FOR PROBABLE LOSSES - ROPA 3.042 3.259 3.254 3.036 0.305 0.341 0.344 0.365  
ROPA, NET 32.808 31.942 31.853 30.403 10.909 10.720 11.298 11.795  
OTHER ASSETS 29.535 28.693 27.098 29.332 9.543 8.636 8.837 9.176
   LIABILITIES AND CAPITAL 468.632 465.073 477.924 485.594 142.004 149.035 152.459 160.243
Liabilities 413.403 410.602 422.877 429.429 121.806 127.583 130.608 137.857
DEPOSIT LIABILITIES 363.197 359.606 346.157 364.644 101.299 108.607 110.940 114.709
   Domestic 319.059 314.585 301.220 321.991 101.299 108.607 110.940 114.709
      Demand and Now 29.218 28.899 32.120 34.720 2.258 2.364 2.394 2.600
      Savings 123.413 120.945 112.415 115.603 67.005 70.464 69.846 72.165
      Time 166.428 164.741 156.685 171.668 32.036 35.778 38.700 39.944
   Foreign Currency 44.137 45.021 44.938 42.653 0.000 0.000 0.000 0.000
BILLS PAYABLE 27.944 28.490 54.889 41.532 9.604 9.143 9.972 12.775
   Deposit Substitutes 0.468 0.065 1.710 0.583 0.000 0.000 0.000 0.000
   Others 27.476 28.426 53.179 40.949 9.604 9.143 9.972 12.775
SPECIAL FINANCING 0.000 0.000 0.000 0.000 0.177 0.158 0.151 0.140
   Time Certificates of Deposits - SF 0.000 0.000 0.000 0.000 0.121 0.088 0.088 0.078
   Special Time Deposits 0.000 0.000 0.000 0.000 0.056 0.069 0.063 0.062
UNSECURED SUBORDINATED DEBT 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
OTHER LIABILITIES 22.262 22.506 21.830 23.254 10.726 9.676 9.545 10.234
Capital Accounts 55.229 54.471 55.047 56.165 20.198 21.452 21.851 22.386
  CAPITAL STOCK 41.451 41.430 42.568 43.647 14.363 15.041 15.183 16.089
  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 13.777 13.040 12.479 12.517 5.835 6.411 6.668 6.297
                   
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 1 April 2008