30  CONSOLIDATED STATEMENT OF CONDITION
Commercial Banking System 1/
as of end of periods indicated
in billion pesos
	Selected Accounts			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			763.436	795.529	777.683	784.143	768.430	777.143	806.001	789.603	703.211	712.997	716.148	718.030	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		121.605	118.762	123.491	124.996	127.196	134.282	147.914	150.238	126.061	123.908	120.870	102.823	15.9	14.9	15.9	15.9	16.6	17.3	18.4	19.0	17.9	17.4	16.9	14.3
		TOTAL LOAN PORTFOLIO, GROSS		409.022	421.917	400.886	421.857	390.754	376.222	382.389	385.194	355.122	364.338	372.543	390.841	53.6	53.0	51.5	53.8	50.9	48.4	47.4	48.8	50.5	51.1	52.0	54.4
		Interbank Loans Receivable		103.297	114.341	103.516	105.712	104.128	89.516	106.189	97.685	108.111	101.122	119.785	109.750	13.5	14.4	13.3	13.5	13.6	11.5	13.2	12.4	15.4	14.2	16.7	15.3
		Loans and Discounts		154.977	148.377	145.859	149.100	144.602	145.754	155.028	154.411	133.268	136.996	137.783	133.705	20.3	18.7	18.8	19.0	18.8	18.8	19.2	19.6	19.0	19.2	19.2	18.6
		Agra/Agri Credit Loans		10.806	11.102	11.083	10.006	10.819	11.666	12.383	12.365	12.099	11.944	11.671	16.501	1.4	1.4	1.4	1.3	1.4	1.5	1.5	1.6	1.7	1.7	1.6	2.3
		Development Incentive Loans		3.415	3.454	3.580	3.723	3.236	4.640	3.695	3.771	3.039	2.454	2.469	2.985	0.4	0.4	0.5	0.5	0.4	0.6	0.5	0.5	0.4	0.3	0.3	0.4
		Bills Purchased		8.751	8.330	5.195	9.351	6.050	6.745	6.345	6.837	4.597	9.404	5.696	9.555	1.1	1.0	0.7	1.2	0.8	0.9	0.8	0.9	0.7	1.3	0.8	1.3
		Customers' Liabilities - LC/TR		15.961	15.033	13.226	12.439	10.485	10.217	10.182	9.764	9.249	9.632	9.766	9.457	2.1	1.9	1.7	1.6	1.4	1.3	1.3	1.2	1.3	1.4	1.4	1.3
		Customers' Liabilities - Accept O/S		1.337	1.714	2.215	1.787	2.243	2.032	1.841	2.578	2.309	2.258	1.786	2.019	0.2	0.2	0.3	0.2	0.3	0.3	0.2	0.3	0.3	0.3	0.2	0.3
		Trading Account Securities - Loans		70.217	79.408	75.877	88.608	68.348	64.085	45.003	55.735	39.922	47.294	39.737	61.967	9.2	10.0	9.8	11.3	8.9	8.2	5.6	7.1	5.7	6.6	5.5	8.6
		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	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		10.661	10.730	10.809	10.903	10.362	10.626	10.801	10.427	10.618	10.589	10.532	10.675	1.4	1.3	1.4	1.4	1.3	1.4	1.3	1.3	1.5	1.5	1.5	1.5
		Credit Card Receivables		29.600	29.428	29.526	30.229	30.481	30.942	30.922	31.621	31.909	32.645	33.319	34.229	3.9	3.7	3.8	3.9	4.0	4.0	3.8	4.0	4.5	4.6	4.7	4.8
		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	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		14.794	14.794	14.725	14.726	14.807	14.916	15.167	14.916	13.564	13.481	13.573	14.080	1.9	1.9	1.9	1.9	1.9	1.9	1.9	1.9	1.9	1.9	1.9	2.0
		TOTAL LOAN PORTFOLIO, NET 2/		394.228	407.123	386.161	407.132	375.948	361.307	367.222	370.278	341.558	350.856	358.970	376.762	51.6	51.2	49.7	51.9	48.9	46.5	45.6	46.9	48.6	49.2	50.1	52.5
		TOTAL INVESTMENTS, GROSS		163.901	185.740	187.914	171.093	178.093	196.960	205.034	186.920	162.336	158.855	157.698	152.540	21.5	23.3	24.2	21.8	23.2	25.3	25.4	23.7	23.1	22.3	22.0	21.2
		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	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		22.638	39.221	39.645	31.042	38.476	49.872	60.265	49.996	46.561	48.472	43.214	40.660	3.0	4.9	5.1	4.0	5.0	6.4	7.5	6.3	6.6	6.8	6.0	5.7
		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	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)		98.809	103.653	104.257	95.569	91.554	99.365	96.693	89.219	71.113	66.371	70.530	67.895	12.9	13.0	13.4	12.2	11.9	12.8	12.0	11.3	10.1	9.3	9.8	9.5
		Investment in Bonds and Other Debt Instruments		41.072	41.483	42.629	43.099	46.680	46.340	46.693	46.327	43.303	42.654	42.595	42.221	5.4	5.2	5.5	5.5	6.1	6.0	5.8	5.9	6.2	6.0	5.9	5.9
		Equity Investments - Allied/Non-Allied Undertakings		1.383	1.383	1.383	1.383	1.383	1.383	1.383	1.379	1.358	1.358	1.358	1.763	0.2	0.2	0.2	0.2	0.2	0.2	0.2	0.2	0.2	0.2	0.2	0.2
		ACCUMULATED MARKET GAIN/LOSS - INVESTMENTS		0.482	0.391	0.251	0.258	0.078	(0.447)	(1.287)	(1.196)	(0.330)	(0.166)	(0.490)	0.199	0.1	0.0	0.0	0.0	0.0	(0.1)	(0.2)	(0.2)	(0.0)	(0.0)	(0.1)	0.0
		ALLOWANCE FOR PROBABLE LOSSES - INVESTMENTS		0.442	0.442	0.446	0.445	0.430	0.430	0.429	0.430	0.428	0.428	0.426	0.426	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1
		TOTAL INVESTMENTS, NET		163.941	185.688	187.720	170.906	177.742	196.083	203.318	185.293	161.578	158.262	156.782	152.313	21.5	23.3	24.1	21.8	23.1	25.2	25.2	23.5	23.0	22.2	21.9	21.2
		FIXED ASSETS		9.271	9.234	9.254	9.250	9.232	8.730	8.737	8.748	7.080	6.999	7.039	7.051	1.2	1.2	1.2	1.2	1.2	1.1	1.1	1.1	1.0	1.0	1.0	1.0
		ROPOA, GROSS		14.189	14.468	14.437	14.332	17.263	17.378	17.300	17.323	12.275	12.026	12.018	12.154	1.9	1.8	1.9	1.8	2.2	2.2	2.1	2.2	1.7	1.7	1.7	1.7
		ALLOWANCE FOR PROBABLE LOSSES - ROPOA		0.513	0.519	0.646	0.615	0.635	0.764	0.764	0.764	0.593	0.595	0.595	0.623	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1
		ROPOA, NET		13.677	13.950	13.791	13.717	16.627	16.614	16.536	16.558	11.682	11.431	11.423	11.532	1.8	1.8	1.8	1.7	2.2	2.1	2.1	2.1	1.7	1.6	1.6	1.6
		OTHER ASSETS		60.715	60.773	57.266	58.143	61.685	60.128	62.274	58.488	55.252	61.540	61.064	67.550	8.0	7.6	7.4	7.4	8.0	7.7	7.7	7.4	7.9	8.6	8.5	9.4
	LIABILITIES AND CAPITAL			763.436	795.529	777.683	784.143	768.430	777.143	806.001	789.603	703.211	712.997	716.148	718.030	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		650.838	683.766	667.802	675.460	652.654	661.233	694.323	684.077	601.559	609.499	615.288	612.447	85.3	86.0	85.9	86.1	84.9	85.1	86.1	86.6	85.5	85.5	85.9	85.3
		DEPOSIT LIABILITIES		519.113	547.777	528.605	548.149	526.709	537.764	555.051	553.952	472.183	468.100	468.106	480.498	68.0	68.9	68.0	69.9	68.5	69.2	68.9	70.2	67.1	65.7	65.4	66.9
		Domestic		319.855	328.814	324.285	340.485	325.164	337.649	356.403	351.458	295.737	307.509	307.964	316.520	41.9	41.3	41.7	43.4	42.3	43.4	44.2	44.5	42.1	43.1	43.0	44.1
		Demand and Now		69.081	71.673	69.956	82.467	78.892	73.826	89.370	84.409	74.246	79.130	75.658	81.126	9.0	9.0	9.0	10.5	10.3	9.5	11.1	10.7	10.6	11.1	10.6	11.3
		Savings		128.101	129.699	127.982	127.564	121.896	127.768	129.279	135.818	101.071	104.178	108.253	113.156	16.8	16.3	16.5	16.3	15.9	16.4	16.0	17.2	14.4	14.6	15.1	15.8
		Time		122.672	127.442	126.348	130.454	124.377	136.054	137.753	131.231	120.420	124.201	124.053	122.239	16.1	16.0	16.2	16.6	16.2	17.5	17.1	16.6	17.1	17.4	17.3	17.0
		Foreign Currency		199.257	218.963	204.320	207.664	201.545	200.115	198.649	202.494	176.446	160.590	160.142	163.978	26.1	27.5	26.3	26.5	26.2	25.8	24.6	25.6	25.1	22.5	22.4	22.8
		BILLS PAYABLE		65.553	64.319	66.795	61.012	54.731	54.793	58.040	62.522	71.364	76.760	76.166	57.823	8.6	8.1	8.6	7.8	7.1	7.1	7.2	7.9	10.1	10.8	10.6	8.1
		Deposit Substitutes		1.736	1.635	2.088	2.091	1.457	1.618	2.747	1.934	1.436	1.335	1.601	1.242	0.2	0.2	0.3	0.3	0.2	0.2	0.3	0.2	0.2	0.2	0.2	0.2
		Others		63.817	62.685	64.707	58.921	53.274	53.174	55.293	60.587	69.928	75.424	74.565	56.581	8.4	7.9	8.3	7.5	6.9	6.8	6.9	7.7	9.9	10.6	10.4	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	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	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	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		3.472	3.472	3.472	3.473	3.473	3.474	3.474	3.475	3.482	3.482	3.483	3.483	0.5	0.4	0.4	0.4	0.5	0.4	0.4	0.4	0.5	0.5	0.5	0.5
		OTHER LIABILITIES		62.700	68.197	68.929	62.825	67.740	65.201	77.756	64.128	54.529	61.156	67.533	70.642	8.2	8.6	8.9	8.0	8.8	8.4	9.6	8.1	7.8	8.6	9.4	9.8
		Capital Accounts		112.598	111.763	109.881	108.682	115.775	115.911	111.677	105.526	101.652	103.498	100.859	105.583	14.7	14.0	14.1	13.9	15.1	14.9	13.9	13.4	14.5	14.5	14.1	14.7
		CAPITAL STOCK		39.219	39.219	39.219	39.219	39.219	39.219	39.219	39.219	34.219	34.542	34.542	36.042	5.1	4.9	5.0	5.0	5.1	5.0	4.9	5.0	4.9	4.8	4.8	5.0
		ASSIGNED CAPITAL		12.464	12.464	12.464	12.464	13.645	13.645	13.645	13.645	13.745	13.745	13.745	13.745	1.6	1.6	1.6	1.6	1.8	1.8	1.7	1.7	2.0	1.9	1.9	1.9
		NET DUE TO H.O. BRANCHES/AGENCIES		47.757	46.444	44.656	43.479	49.199	50.088	46.799	40.486	42.800	44.198	41.910	44.358	6.3	5.8	5.7	5.5	6.4	6.4	5.8	5.1	6.1	6.2	5.9	6.2
		SURPLUS, SURPLUS RESERVES & UNDIVIDED PROFITS		13.158	13.636	13.543	13.520	13.713	12.958	12.014	12.176	10.888	11.013	10.662	11.438	1.7	1.7	1.7	1.7	1.8	1.7	1.5	1.5	1.5	1.5	1.5	1.6
	1/ Inclusive of other branches / subsidiaries 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 1April 2008