7 Selected Performance Indicators                          
                             
                             
  Philippine Banking System                          
  as of end of periods indicated                          
  amounts in thousand Pesos, ratios in percent (%)                          
                             
   
  Selected Accounts Jan-09 Feb-09 Mar-09 Apr-09 May-09 Jun-09 Jul-09 Aug-09 Sep-09 Oct-09 Nov-09 Dec-09  
   
  ASSET QUALITY RATIOS:   
  Past Due Ratio 5.98 5.66 5.48 5.74 5.77 5.34 5.58 5.61 5.46 5.42 5.17 4.81  
  Past Due Loans 167,819,950.02 160,619,879.50 159,571,675.15 161,100,104.41 164,705,586.07 158,209,177.26 157,244,717.60 159,211,105.34 160,222,565.22 161,351,345.74 158,414,225.23 153,038,067.33  
  Total Loan Portfolio (TLP), gross  2,804,230,308.28 2,835,770,369.48 2,914,504,427.89 2,804,879,824.98 2,855,931,712.97 2,962,293,729.60 2,817,596,401.60 2,839,199,399.36 2,937,010,504.48 2,978,819,437.29 3,063,647,147.80 3,179,932,596.90  
  RL to TLP 2.13 2.06 1.91 1.95 1.90 1.73 1.88 1.82 1.76 1.81 1.65 1.61  
  Restructured Loans (RL), gross 59,831,399.42 58,534,134.89 55,668,898.76 54,816,944.31 54,340,890.09 51,289,997.31 53,044,602.31 51,804,469.39 51,687,619.23 53,970,018.56 50,582,334.59 51,097,825.70  
  TLP, gross  2,804,230,308.28 2,835,770,369.48 2,914,504,427.89 2,804,879,824.98 2,855,931,712.97 2,962,293,729.60 2,817,596,401.60 2,839,199,399.36 2,937,010,504.48 2,978,819,437.29 3,063,647,147.80 3,179,932,596.90  
  Loan Loss Reserves (LLR) to TLP 3.68 3.59 3.55 3.64 3.58 3.49 3.70 3.73 3.67 3.63 3.62 3.39  
  Allowance for Credit Losses (ACL) - TLP 102,409,686.90 101,069,977.06 102,816,981.35 101,334,134.60 101,215,499.01 102,622,378.32 103,379,101.94 104,851,073.88 106,761,658.79 107,148,358.89 110,054,676.17 106,968,036.38  
  TLP, gross  2,782,182,687.88 2,812,579,619.38 2,892,241,556.94 2,780,173,001.17 2,830,098,549.56 2,936,639,109.36 2,791,380,528.93 2,813,110,975.52 2,910,743,149.40 2,952,587,878.26 3,038,502,831.28 3,156,101,458.09  
  NPL Ratio 4.46 4.36 4.23 4.33 4.37 4.03 4.20 4.25 4.02 4.09 3.97 3.64  
  Non-Performing Loans (NPL) 124,184,777.84 122,505,536.91 122,297,586.49 120,363,465.75 123,730,047.27 118,362,894.59 117,336,536.25 119,617,429.43 116,874,013.99 120,741,311.09 120,649,798.39 114,902,639.23  
  TLP, gross  2,782,182,687.88 2,812,579,619.38 2,892,241,556.94 2,780,173,001.17 2,830,098,549.56 2,936,639,109.36 2,791,380,528.93 2,813,110,975.52 2,910,743,149.40 2,952,587,878.26 3,038,502,831.28 3,156,101,458.09  
  NPL Ratio, net of IBL 5.01 4.83 4.66 4.80 4.89 4.48 4.72 4.76 4.53 4.63 4.48 4.09  
  NPL 124,184,777.84 122,505,536.91 122,297,586.49 120,363,465.75 123,730,047.27 118,362,894.59 117,336,536.25 119,617,429.43 116,874,013.99 120,741,311.09 120,649,798.39 114,902,639.23  
  TLP, gross net of IBL 2,479,945,778.93 2,535,399,688.56 2,624,433,176.83 2,510,022,208.99 2,527,859,450.70 2,643,708,121.76 2,486,543,736.50 2,514,203,134.20 2,578,841,982.53 2,606,081,986.41 2,692,771,989.54 2,806,054,545.29  
  NPL Coverage Ratio 82.47 82.50 84.07 84.19 81.80 86.70 88.10 87.66 91.35 88.74 91.22 93.09  
  ACL - TLP 102,409,686.90 101,069,977.06 102,816,981.35 101,334,134.60 101,215,499.01 102,622,378.32 103,379,101.94 104,851,073.88 106,761,658.79 107,148,358.89 110,054,676.17 106,968,036.38  
  Gross NPL 124,184,777.84 122,505,536.91 122,297,586.49 120,363,465.75 123,730,047.27 118,362,894.59 117,336,536.25 119,617,429.43 116,874,013.99 120,741,311.09 120,649,798.39 114,902,639.23  
  NPA to Gross Assets  5.28 5.23 5.15 5.16 5.10 4.92 4.95 4.91 4.77 4.78 4.66 4.47  
  Non-Performing Assets (NPA) 301,508,394.55 299,115,570.69 296,978,804.84 294,785,395.74 297,098,895.42 290,741,860.93 288,663,988.88 289,296,338.45 286,791,359.24 289,825,714.61 288,862,673.63 282,906,231.61  
  (1) Gross NPL 124,184,777.84 122,505,536.91 122,297,586.49 120,363,465.75 123,730,047.27 118,362,894.59 117,336,536.25 119,617,429.43 116,874,013.99 120,741,311.09 120,649,798.39 114,902,639.23  
  (2) ROPA, gross 177,323,616.71 176,610,033.78 174,681,218.35 174,421,929.99 173,368,848.15 172,378,966.34 171,327,452.63 169,678,909.01 169,917,345.25 169,084,403.52 168,212,875.24 168,003,592.38  
  Gross Assets 5,709,472,108.15 5,721,453,909.51 5,768,959,061.31 5,709,922,939.48 5,822,084,049.18 5,910,146,287.50 5,826,774,719.14 5,890,570,024.60 6,008,337,521.07 6,058,430,608.71 6,194,279,866.61 6,329,752,678.99  
  (1) Total Assets 5,576,656,809.77 5,590,075,970.83 5,636,468,474.38 5,578,906,574.59 5,690,579,327.39 5,777,443,664.32 5,693,099,493.90 5,756,062,962.47 5,872,125,827.30 5,921,538,485.48 6,054,064,313.64 6,192,284,548.17  
  (2) Allowance on NPA 132,815,298.38 131,377,938.68 132,490,586.94 131,016,364.89 131,504,721.79 132,702,623.18 133,675,225.24 134,507,062.13 136,211,693.77 136,892,123.24 140,215,552.97 137,468,130.82  
  NPA Coverage Ratio 44.05 43.92 44.61 44.44 44.26 45.64 46.31 46.49 47.50 47.23 48.54 48.59  
  Allowance on NPA 132,815,298.38 131,377,938.68 132,490,586.94 131,016,364.89 131,504,721.79 132,702,623.18 133,675,225.24 134,507,062.13 136,211,693.77 136,892,123.24 140,215,552.97 137,468,130.82  
  NPA 301,508,394.55 299,115,570.69 296,978,804.84 294,785,395.74 297,098,895.42 290,741,860.93 288,663,988.88 289,296,338.45 286,791,359.24 289,825,714.61 288,862,673.63 282,906,231.61  
  Distressed Assets Ratio 11.19 11.01 10.57 10.88 10.69 10.15 10.62 10.54 10.14 10.17 9.78 9.25  
  Distressed Assets 332,954,198.66 331,058,187.41 326,054,668.74 323,352,270.33 322,670,794.97 317,263,684.09 316,545,432.98 316,201,295.23 314,232,352.56 319,338,587.32 315,186,276.09 308,914,590.95  
  NPA 301,508,394.55 299,115,570.69 296,978,804.84 294,785,395.74 297,098,895.42 290,741,860.93 288,663,988.88 289,296,338.45 286,791,359.24 289,825,714.61 288,862,673.63 282,906,231.61  
  RL, Performing 31,447,331.53 31,944,144.13 29,075,863.89 28,566,874.59 25,571,899.56 26,521,980.07 27,881,601.02 26,905,113.69 27,440,993.32 29,512,872.71 26,323,602.46 26,008,359.33  
  TLP, gross  2,782,182,687.88 2,812,579,619.38 2,892,241,556.94 2,780,173,001.17 2,830,098,549.56 2,936,639,109.36 2,791,380,528.93 2,813,110,975.52 2,910,743,149.40 2,952,587,878.26 3,038,502,831.28 3,156,101,458.09  
  Total ROPA 194,454,183.49 193,941,283.49 191,290,945.33 190,949,586.68 189,648,865.37 189,108,541.25 188,039,897.32 186,570,585.84 186,804,925.38 186,540,819.10 185,184,166.01 184,055,858.81  
  (1) ROPA, gross 177,323,616.71 176,610,033.78 174,681,218.35 174,421,929.99 173,368,848.15 172,378,966.34 171,327,452.63 169,678,909.01 169,917,345.25 169,084,403.52 168,212,875.24 168,003,592.38  
  (2) Performing SCR 17,130,566.78 17,331,249.70 16,609,726.98 16,527,656.68 16,280,017.23 16,729,574.91 16,712,444.69 16,891,676.82 16,887,580.13 17,456,415.58 16,971,290.77 16,052,266.43  
  LIQUIDITY RATIOS  
  (1) Cash and Due from Banks to Deposits 20.46 19.07 18.22 18.50 19.03 18.07 19.30 19.49 18.20 18.46 18.99 18.79  
  Cash and Due from Banks   847,776,412.49 790,570,966.74 768,866,212.79 770,414,000.70 813,237,968.90 780,536,168.90 822,409,886.91 839,017,249.71 799,596,947.90 819,944,064.24 864,129,510.16 877,940,404.58  
  Deposits 4,143,511,600.56 4,146,505,376.09 4,220,237,443.05 4,163,708,199.54 4,273,618,878.01 4,318,724,750.06 4,261,220,692.56 4,303,815,911.22 4,393,156,290.58 4,441,278,334.16 4,551,564,120.07 4,671,848,014.22  
  (2) Liquid Assets to Deposits Ratio 53.81 53.49 51.63 53.34 53.60 52.51 54.87 55.42 54.31 54.38 53.95 52.67  
  Liquid Assets, sum of: 2,229,764,392.19 2,217,952,448.09 2,178,978,350.58 2,220,843,595.62 2,290,808,154.41 2,267,939,329.85 2,338,230,547.58 2,385,374,944.48 2,385,733,005.77 2,415,279,226.30 2,455,427,533.50 2,460,805,263.42  
  (1) Cash and Due from Banks 847,776,412.49 790,570,966.74 768,866,212.79 770,414,000.70 813,237,968.90 780,536,168.90 822,409,886.91 839,017,249.71 799,596,947.90 819,944,064.24 864,129,510.16 877,940,404.58  
  (2) Financial Assets, net (excl. equity investments) 1,381,987,979.70 1,427,381,481.35 1,410,112,137.79 1,450,429,594.92 1,477,570,185.51 1,487,403,160.95 1,515,820,660.67 1,546,357,694.76 1,586,136,057.87 1,595,335,162.07 1,591,298,023.34 1,582,864,858.84  
  Deposits 4,143,511,600.56 4,146,505,376.09 4,220,237,443.05 4,163,708,199.54 4,273,618,878.01 4,318,724,750.06 4,261,220,692.56 4,303,815,911.22 4,393,156,290.58 4,441,278,334.16 4,551,564,120.07 4,671,848,014.22  
  (3) Loans (gross) to Deposits 67.68 68.39 69.06 67.36 66.83 68.59 66.12 65.97 66.85 67.07 67.31 68.07  
  Loans (gross) 2,804,230,308.28 2,835,770,369.48 2,914,504,427.89 2,804,879,824.98 2,855,931,712.97 2,962,293,729.60 2,817,596,401.60 2,839,199,399.36 2,937,010,504.48 2,978,819,437.29 3,063,647,147.80 3,179,932,596.90  
  Deposits 4,143,511,600.56 4,146,505,376.09 4,220,237,443.05 4,163,708,199.54 4,273,618,878.01 4,318,724,750.06 4,261,220,692.56 4,303,815,911.22 4,393,156,290.58 4,441,278,334.16 4,551,564,120.07 4,671,848,014.22  
  SELECTED PROFITABILITY RATIOS  
  (1)  Return on Assets (ROA) 0.78 0.89 1.06 1.17  
  Annualized Net Profit or Loss  41,765,133.47 49,630,166.20 59,524,505.77 69,440,424.30  
  Average Assets 5,362,406,685.08 5,550,218,994.45 5,625,138,780.63 5,933,982,680.91  
  Total Assets (last year) 5,088,344,895.78 5,322,994,324.58 5,378,151,733.96 5,675,680,813.66  
  Total Assets (current year) 5,636,468,474.38 5,777,443,664.32 5,872,125,827.30 6,192,284,548.17  
  (2) Return on Equity (ROE) 6.85 8.13 9.41 10.79  
  Annualized Net Profit or Loss  41,765,133.47 49,630,166.20 59,524,505.77 69,440,424.30  
  Average Capital 609,677,897.90 610,694,934.32 632,668,657.58 643,473,454.61  
  Total Capital (last year) 602,964,968.82 569,794,985.01 597,099,512.23 598,978,580.26  
  Total Capital (current year) 616,390,826.98 651,594,883.63 668,237,802.93 687,968,328.96  
  (3) Earning Asset Yield 7.19 7.04 6.94 6.51  
  Annualized Interest Income 335,613,252.52 341,844,620.43 341,776,743.59 336,022,307.18  
  Average Earning Assets 4,669,030,028.44 4,857,708,271.92 4,922,529,155.84 5,162,971,932.84  
  Earning Assets (last year) 4,386,048,376.52 4,641,117,117.90 4,702,796,798.06 4,913,075,975.75  
  Earning Assets (current year) 4,952,011,680.37 5,074,299,425.95 5,142,261,513.62 5,412,867,889.92  
  (4) Funding Cost 3.17 2.98 2.84 2.55  
  Annualized Interest Expense 140,760,065.77 137,678,641.77 133,107,514.59 125,811,020.51  
  Average Interest Bearing Liabilities 4,437,547,891.16 4,613,838,575.42 4,678,828,687.84 4,934,585,368.78  
  Interest Bearing Liabilities (last year) 4,186,459,251.13 4,428,316,054.64 4,462,990,218.40 4,713,873,221.25  
  Interest Bearing Liabilities (current year) 4,688,636,531.18 4,799,361,096.20 4,894,667,157.28 5,155,297,516.31  
  (5) Interest Spread 4.02 4.05 4.10 3.96  
  (3) Earning Asset Yield 7.19 7.04 6.94 6.51  
  (4) Funding Cost 3.17 2.98 2.84 2.55  
  (6) Net Interest Margin 4.17 4.20 4.23 4.06  
  Annualized Net Interest Income 194,629,126.89 203,927,006.09 208,418,234.74 209,843,505.06  
  Average Earning Assets 4,669,030,028.44 4,857,708,271.92 4,922,529,155.84 5,162,971,932.84  
  (7) Cost to Income Ratio 72.89 71.03 66.85 65.77  
  Annualized Non-Interest Expenses 203,423,602.06 207,961,441.47 205,188,406.75 207,878,009.41  
  Annualized Total Operating Income 279,081,990.13 292,772,192.30 306,954,678.02 316,051,376.00  
  (8) Net Interest Income to Total Operating Income 69.74 69.65 67.90 66.40  
  Annualized Net Interest Income  194,629,126.89 203,927,006.09 208,418,234.74 209,843,505.06  
  Annualized Total Operating Income 279,081,990.13 292,772,192.30 306,954,678.02 316,051,376.00  
  (9) Non-interest Income to Total Operating Income 30.26 30.35 32.10 33.60  
  Annualized Non-Interest Income 84,452,863.25 88,845,186.21 98,536,443.28 106,207,870.95  
  Annualized Total Operating Income 279,081,990.13 292,772,192.30 306,954,678.02 316,051,376.00  
  CAPITAL ADEQUACY  
  Capital Adequacy Ratio - Solo 14.56 14.81 14.82 14.85  
  Capital Adequacy Ratio - Conso 15.31 15.62 15.76 15.78  
  Total Capital Accounts to Total Assets 10.86 10.92 10.98 11.45 11.42 11.32 11.77 11.64 11.42 11.36 11.22 11.11