39  CONSOLIDATED STATEMENT OF CONDITION
Thrift Banking System
as of end of periods indicated
in billion pesos
	Selected Accounts			TOTAL THRIFT 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			457.320	459.193	468.632	468.319	460.145	465.073	488.172	501.166	477.924	496.345	495.676	485.594	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		51.406	50.086	54.188	55.249	54.729	61.317	53.802	58.341	60.542	55.148	54.988	53.292	11.2	10.9	11.6	11.8	11.9	13.2	11.0	11.6	12.7	11.1	11.1	11.0
		TOTAL LOAN PORTFOLIO, GROSS		263.920	269.429	281.699	281.300	273.621	272.459	305.267	313.433	289.536	316.577	311.760	296.731	57.7	58.7	60.1	60.1	59.5	58.6	62.5	62.5	60.6	63.8	62.9	61.1
		Interbank Loans Receivable		35.216	39.660	44.300	39.090	32.719	31.582	60.061	77.322	51.799	75.564	65.167	47.005	7.7	8.6	9.5	8.3	7.1	6.8	12.3	15.4	10.8	15.2	13.1	9.7
		Loans and Discounts		168.992	170.198	169.653	173.132	175.731	176.383	179.422	180.421	180.887	183.280	185.926	186.099	37.0	37.1	36.2	37.0	38.2	37.9	36.8	36.0	37.8	36.9	37.5	38.3
		Agra/Agri Credit Loans		9.593	9.940	12.392	13.198	13.610	13.658	13.719	12.570	12.753	12.618	12.771	12.703	2.1	2.2	2.6	2.8	3.0	2.9	2.8	2.5	2.7	2.5	2.6	2.6
		Development Incentive Loans		23.113	23.263	25.117	24.335	23.834	25.608	24.981	23.306	24.995	25.251	25.727	25.999	5.1	5.1	5.4	5.2	5.2	5.5	5.1	4.7	5.2	5.1	5.2	5.4
		Bills Purchased		1.158	1.193	1.160	1.651	0.962	0.811	1.617	1.237	1.247	1.693	0.959	1.117	0.3	0.3	0.2	0.4	0.2	0.2	0.3	0.2	0.3	0.3	0.2	0.2
		Customers' Liabilities - LC/TR		0.817	0.808	0.904	0.982	1.087	1.021	1.077	0.981	1.072	1.051	1.124	1.073	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		0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.000	0.005	0.008	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 - Loans		14.085	13.410	17.305	17.873	14.715	12.478	13.448	6.624	5.736	6.100	8.908	11.847	3.1	2.9	3.7	3.8	3.2	2.7	2.8	1.3	1.2	1.2	1.8	2.4
		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		5.577	5.625	5.612	5.622	5.594	5.472	5.473	5.437	5.425	5.370	5.369	4.880	1.2	1.2	1.2	1.2	1.2	1.2	1.1	1.1	1.1	1.1	1.1	1.0
		Credit Card Receivables		4.905	4.864	4.806	4.951	4.938	4.965	4.967	5.013	5.083	5.114	5.252	5.479	1.1	1.1	1.0	1.1	1.1	1.1	1.0	1.0	1.1	1.0	1.1	1.1
		Microfinance Loans		0.462	0.468	0.448	0.466	0.430	0.479	0.503	0.522	0.539	0.531	0.547	0.529	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		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		12.347	12.300	12.468	12.612	12.718	12.302	12.315	12.441	12.382	12.383	12.261	11.617	2.7	2.7	2.7	2.7	2.8	2.6	2.5	2.5	2.6	2.5	2.5	2.4
		TOTAL LOAN PORTFOLIO, NET 2/		251.573	257.129	269.231	268.688	260.903	260.157	292.952	300.992	277.153	304.194	299.499	285.115	55.0	56.0	57.5	57.4	56.7	55.9	60.0	60.1	58.0	61.3	60.4	58.7
		TOTAL INVESTMENTS, GROSS		79.201	77.352	71.372	71.374	71.086	72.976	72.391	72.994	70.970	67.166	71.198	76.901	17.3	16.8	15.2	15.2	15.4	15.7	14.8	14.6	14.8	13.5	14.4	15.8
		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		5.602	6.710	4.189	4.344	2.305	1.192	2.008	1.770	1.148	2.150	1.813	1.809	1.2	1.5	0.9	0.9	0.5	0.3	0.4	0.4	0.2	0.4	0.4	0.4
		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)		43.672	44.253	42.770	43.684	45.317	45.946	43.865	47.032	45.249	40.356	44.280	50.045	9.5	9.6	9.1	9.3	9.8	9.9	9.0	9.4	9.5	8.1	8.9	10.3
		Investment in Bonds and Other Debt Instruments		29.242	25.653	23.678	22.606	22.625	25.003	25.684	23.357	23.666	23.742	24.187	24.121	6.4	5.6	5.1	4.8	4.9	5.4	5.3	4.7	5.0	4.8	4.9	5.0
		Equity Investments - Allied/Non-Allied Undertakings		0.685	0.736	0.736	0.741	0.839	0.836	0.835	0.835	0.907	0.919	0.919	0.926	0.1	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		1.769	1.337	0.941	0.609	0.482	0.069	(0.273)	(0.318)	0.285	0.370	0.330	0.627	0.4	0.3	0.2	0.1	0.1	0.0	(0.1)	(0.1)	0.1	0.1	0.1	0.1
		ALLOWANCE FOR PROBABLE LOSSES - INVESTMENTS		0.231	0.231	0.231	0.230	0.231	0.231	0.230	0.230	0.292	0.292	0.292	0.462	0.1	0.1	0.0	0.0	0.1	0.0	0.0	0.0	0.1	0.1	0.1	0.1
		TOTAL INVESTMENTS, NET		80.739	78.458	72.082	71.752	71.338	72.815	71.888	72.446	70.964	67.244	71.236	77.067	17.7	17.1	15.4	15.3	15.5	15.7	14.7	14.5	14.8	13.5	14.4	15.9
		FIXED ASSETS		10.750	10.767	10.787	10.812	10.090	10.149	10.238	10.304	10.314	10.431	10.389	10.385	2.4	2.3	2.3	2.3	2.2	2.2	2.1	2.1	2.2	2.1	2.1	2.1
		ROPOA, GROSS		35.656	35.802	35.849	35.918	36.620	35.202	35.136	35.279	35.107	35.342	35.403	33.439	7.8	7.8	7.6	7.7	8.0	7.6	7.2	7.0	7.3	7.1	7.1	6.9
		ALLOWANCE FOR PROBABLE LOSSES - ROPOA		2.944	3.046	3.042	3.108	3.138	3.259	3.274	3.276	3.254	3.248	3.216	3.036	0.6	0.7	0.6	0.7	0.7	0.7	0.7	0.7	0.7	0.7	0.6	0.6
		ROPOA, NET		32.712	32.756	32.808	32.810	33.482	31.942	31.863	32.003	31.853	32.094	32.186	30.403	7.2	7.1	7.0	7.0	7.3	6.9	6.5	6.4	6.7	6.5	6.5	6.3
		OTHER ASSETS		30.139	29.997	29.535	29.007	29.604	28.693	27.429	27.080	27.098	27.233	27.378	29.332	6.6	6.5	6.3	6.2	6.4	6.2	5.6	5.4	5.7	5.5	5.5	6.0
	LIABILITIES AND CAPITAL			457.320	459.193	468.632	468.319	460.145	465.073	488.172	501.166	477.924	496.345	495.676	485.594	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		401.126	402.801	413.403	413.329	405.183	410.602	435.054	446.896	422.877	440.276	439.510	429.429	87.7	87.7	88.2	88.3	88.1	88.3	89.1	89.2	88.5	88.7	88.7	88.4
		DEPOSIT LIABILITIES		347.893	353.275	363.197	362.097	354.964	359.606	361.239	351.309	346.157	344.675	358.163	364.644	76.1	76.9	77.5	77.3	77.1	77.3	74.0	70.1	72.4	69.4	72.3	75.1
		Domestic		304.766	310.456	319.059	318.033	311.568	314.585	317.497	306.188	301.220	300.384	314.451	321.991	66.6	67.6	68.1	67.9	67.7	67.6	65.0	61.1	63.0	60.5	63.4	66.3
		Demand and Now		27.275	29.076	29.218	29.978	28.953	28.899	29.605	31.948	32.120	33.349	34.807	34.720	6.0	6.3	6.2	6.4	6.3	6.2	6.1	6.4	6.7	6.7	7.0	7.2
		Savings		118.857	121.661	123.413	124.207	122.674	120.945	121.021	115.835	112.415	111.614	115.274	115.603	26.0	26.5	26.3	26.5	26.7	26.0	24.8	23.1	23.5	22.5	23.3	23.8
		Time		158.633	159.719	166.428	163.848	159.942	164.741	166.872	158.405	156.685	155.422	164.370	171.668	34.7	34.8	35.5	35.0	34.8	35.4	34.2	31.6	32.8	31.3	33.2	35.4
		Foreign Currency		43.127	42.819	44.137	44.064	43.395	45.021	43.741	45.122	44.938	44.292	43.711	42.653	9.4	9.3	9.4	9.4	9.4	9.7	9.0	9.0	9.4	8.9	8.8	8.8
		BILLS PAYABLE		31.051	27.885	27.944	28.222	28.051	28.490	50.519	73.511	54.889	72.933	59.012	41.532	6.8	6.1	6.0	6.0	6.1	6.1	10.3	14.7	11.5	14.7	11.9	8.6
		Deposit Substitutes		0.858	0.157	0.468	0.067	0.068	0.065	1.048	1.173	1.710	1.666	1.715	0.583	0.2	0.0	0.1	0.0	0.0	0.0	0.2	0.2	0.4	0.3	0.3	0.1
		Others		30.192	27.728	27.476	28.155	27.983	28.426	49.472	72.338	53.179	71.267	57.297	40.949	6.6	6.0	5.9	6.0	6.1	6.1	10.1	14.4	11.1	14.4	11.6	8.4
		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	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	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		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
		OTHER LIABILITIES		22.183	21.641	22.262	23.010	22.168	22.506	23.296	22.076	21.830	22.668	22.336	23.254	4.9	4.7	4.8	4.9	4.8	4.8	4.8	4.4	4.6	4.6	4.5	4.8
		Capital Accounts		56.194	56.392	55.229	54.990	54.963	54.471	53.118	54.270	55.047	56.069	56.166	56.165	12.3	12.3	11.8	11.7	11.9	11.7	10.9	10.8	11.5	11.3	11.3	11.6
		CAPITAL STOCK		40.856	41.159	41.451	41.450	41.430	41.430	41.501	42.342	42.568	43.631	43.637	43.647	8.9	9.0	8.8	8.9	9.0	8.9	8.5	8.4	8.9	8.8	8.8	9.0
		ASSIGNED CAPITAL		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
		NET DUE TO H.O. BRANCHES/AGENCIES		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
		SURPLUS, SURPLUS RESERVES & UNDIVIDED PROFITS		15.338	15.233	13.777	13.540	13.532	13.040	11.617	11.928	12.479	12.438	12.529	12.517	3.4	3.3	2.9	2.9	2.9	2.8	2.4	2.4	2.6	2.5	2.5	2.6
	1/ Inclusive of  Interbank Loans Receivable
	Source : Supervisory Data Center, Supervision and Examination Sector
	Updated as of 1April 2008