3 Balance Sheet                          
                             
                             
  Philippine Banking System                          
  as of end of periods indicated                          
  amounts in thousand Pesos                          
                             
   
  Selected Accounts Jan-10 Feb-10 Mar-10 Apr-10 May-10 Jun-10 Jul-10 Aug-10 Sep-10 Oct-10 Nov-10 Dec-10  
   
  TOTAL ASSETS  5,932,965,847.44 5,974,517,657.91 6,156,725,541.55 6,155,382,043.41 6,270,648,825.74 6,297,339,428.00 6,163,391,564.61 6,274,899,820.50 6,417,680,352.43 6,448,118,723.35 6,710,991,400.61 6,918,321,905.21  
  CASH AND DUE FROM BANKS 886,520,097.49 915,044,894.85 978,364,352.09 932,900,646.37 1,006,086,599.27 943,588,980.88 915,985,945.71 893,664,237.02 981,601,193.86 1,023,048,528.04 1,206,716,459.30 1,326,914,408.17  
  TLP (INCLUSIVE OF IBL AND RRPs) , NET  2,792,535,469.85 2,793,385,003.16 2,849,015,222.23 2,868,987,791.53 2,879,072,398.42 3,003,907,912.06 2,866,790,310.41 2,932,119,496.71 3,007,277,091.88 2,938,803,336.33 3,044,804,498.61 3,161,445,359.61  
  Total Loan Portfolio (TLP), gross  2,920,296,603.11 2,921,180,366.80 2,983,972,854.22 3,004,369,573.97 3,016,258,173.03 3,141,974,121.30 3,005,424,706.07 3,073,601,761.48 3,149,325,166.30 3,082,039,780.79 3,189,000,033.51 3,303,471,613.66  
  (a) Interbank Loans Receivable (IBL) 337,975,125.11 316,725,851.08 327,621,753.46 318,167,039.02 280,083,436.93 329,905,497.12 286,351,300.01 309,555,950.79 285,226,502.31 224,640,052.23 219,442,019.71 227,262,723.75  
  (b) Total Reverse Repurchase (RRPs) 200,650,501.17 222,477,058.92 169,861,596.05 158,630,301.58 184,223,115.49 213,262,687.30 140,579,662.20 152,508,027.68 255,941,589.70 243,252,702.77 284,831,278.40 289,959,851.39  
  of which:  
  Reverse Repurchase (RRPs) with BSP 187,672,000.67 214,685,000.67 156,228,000.00 145,306,000.00 169,568,000.00 200,182,000.00 125,393,000.00 137,121,000.00 243,695,000.00 234,209,000.00 280,462,000.00 281,436,000.00  
  Reverse Repurchase (RRPs) with Other Banks 28,018.00 18,000.00 19,219.24 894,219.24 1,219.24 3,244.52 29,869.35 29,946.98 30,045.03 3,269.73 3,269.73 3,294.59  
  (c) Loans and Receivable - Others, net of amortization 2,381,670,976.84 2,381,977,456.80 2,486,489,504.72 2,527,572,233.37 2,551,951,620.60 2,598,805,936.88 2,578,493,743.86 2,611,537,783.00 2,608,157,074.29 2,614,147,025.79 2,684,726,735.40 2,786,249,038.52  
  Allowance for Credit Losses  127,761,133.26 127,795,363.64 134,957,631.98 135,381,782.43 137,185,774.61 138,066,209.24 138,634,395.67 141,482,264.77 142,048,074.42 143,236,444.46 144,195,534.90 142,026,254.05  
  TLP, gross (exclusive of IBL) 2,582,321,478.01 2,604,454,515.71 2,656,351,100.76 2,686,202,534.95 2,736,174,736.09 2,812,068,624.18 2,719,073,406.06 2,764,045,810.68 2,864,098,663.99 2,857,399,728.57 2,969,558,013.81 3,076,208,889.91  
  TLP, gross (exclusive of IBL and RRP with BSP and Other Banks) 2,394,621,459.34 2,389,751,515.05 2,500,103,881.52 2,540,002,315.71 2,566,605,516.85 2,611,883,379.66 2,593,650,536.71 2,626,894,863.70 2,620,373,618.96 2,623,187,458.84 2,689,092,744.07 2,794,769,595.32  
  TOTAL INVESTMENTS, NET 1,716,927,469.72 1,736,828,207.30 1,788,437,679.68 1,803,443,908.74 1,827,586,529.77 1,802,687,992.67 1,837,771,932.29 1,895,497,875.26 1,883,426,550.88 1,935,061,383.04 1,892,769,872.85 1,866,906,635.07  
  (A) Financial Assets, net (Portfolio Investments) 1,594,928,356.00 1,614,362,310.27 1,655,922,146.90 1,669,777,739.65 1,695,179,687.36 1,670,137,419.53 1,703,984,158.81 1,763,148,948.21 1,749,563,002.25 1,799,030,137.24 1,755,617,386.37 1,733,746,669.73  
  Financial Assets, gross (net of amortization) 1,609,211,593.48 1,628,442,030.96 1,667,990,964.06 1,683,177,040.90 1,708,537,117.69 1,680,563,376.15 1,707,079,519.42 1,755,644,504.29 1,740,655,740.79 1,783,520,013.79 1,746,893,477.75 1,731,708,681.17  
  (1) Financial Assets Held for Trading (HFT) 190,822,623.12 215,745,757.46 232,815,712.44 242,667,701.14 217,522,946.92 184,318,343.22 204,573,835.85 220,432,133.41 247,285,241.36 268,137,865.08 230,640,704.63 206,546,314.53  
  (2) Financial Assets DFVPL 12,052,868.79 10,543,716.38 10,244,300.65 9,794,261.06 10,652,350.09 10,893,404.70 8,961,077.15 7,349,754.26 7,304,610.15 6,398,015.07 6,880,588.42 8,167,094.76  
  (3) Available-for-Sale (AFS) Financial Assets 671,528,002.24 680,821,533.52 687,512,810.80 703,890,365.89 736,145,157.91 737,317,680.32 754,639,145.56 791,581,918.79 763,905,905.84 818,714,496.73 813,634,538.65 795,290,259.36  
  (4) Held-to-Maturity (HTM) Financial Assets 514,973,230.65 508,106,048.89 512,754,313.42 505,972,115.75 528,028,574.79 532,055,059.83 529,667,248.55 529,109,843.56 518,942,004.08 491,630,676.73 494,313,342.32 521,334,906.14  
  (5) Unquoted Debt Securities Classified as Loans 194,724,777.91 188,384,506.11 198,988,409.05 195,103,366.50 191,125,080.99 190,988,180.22 184,247,167.32 182,319,149.62 178,665,317.80 174,223,501.86 176,860,579.64 175,863,220.50  
  (6) Investments in Non-Marketable Equity Securities 25,110,090.77 24,840,468.60 25,675,417.70 25,749,230.55 25,063,006.99 24,990,707.86 24,991,045.00 24,851,704.64 24,552,661.56 24,415,458.32 24,563,724.10 24,506,885.87  
  Accumulated Market Gains/Losses  11,168,916.47 12,802,153.26 15,883,270.66 15,662,727.49 14,316,707.44 17,603,307.50 24,775,272.79 35,177,643.04 36,405,538.19 42,878,228.60 36,302,625.72 30,150,069.24  
  Allowance for Credit Losses  25,452,153.95 26,881,873.95 27,952,087.82 29,062,028.74 27,674,137.77 28,029,264.12 27,870,633.39 27,673,199.12 27,498,276.74 27,368,105.15 27,578,717.10 28,112,080.68  
  (B) Equity Investment in Subsidiaries/Associates/Joint Ventures, net (Direct Investments) 121,999,113.72 122,465,897.03 132,515,532.78 133,666,169.09 132,406,842.41 132,550,573.14 133,787,773.47 132,348,927.05 133,863,548.63 136,031,245.79 137,152,486.48 133,159,965.33  
  ROPA, NET 143,713,892.73 142,482,625.80 149,661,093.66 148,705,921.95 147,775,258.90 146,821,490.23 146,684,844.69 145,043,566.42 145,700,660.73 145,114,284.95 145,077,413.83 145,068,678.38  
  Real and Other Properties Acquired (ROPA), gross 173,784,728.08 172,874,925.67 181,128,833.51 180,329,653.84 179,504,636.72 178,458,435.05 178,357,963.36 177,405,935.93 177,794,314.05 176,896,803.76 176,997,992.44 176,962,147.11  
  of which:  
  (1) Sales Contract Receivables, Gross 21,852,886.78 22,069,691.11 22,910,621.34 23,252,233.95 22,760,523.19 22,809,768.16 22,976,647.16 22,747,511.96 22,902,093.62 22,724,402.26 23,213,155.34 23,789,141.75  
  (a) Performing 15,046,912.31 15,291,501.59 16,000,587.44 16,227,090.32 16,412,863.64 16,188,634.74 16,557,769.33 15,892,148.72 16,083,078.71 15,667,995.88 16,381,045.99 16,379,682.92  
  (b) Non-Performing 6,805,974.47 6,778,189.52 6,910,033.90 7,025,143.62 6,347,659.55 6,621,133.42 6,418,877.83 6,855,363.24 6,819,014.91 7,056,406.38 6,832,109.34 7,409,458.84  
  Sales Contract Receivables, Net 21,461,569.24 21,696,095.33 22,422,316.89 22,755,918.87 22,250,196.36 22,306,310.69 22,416,308.23 22,227,369.87 22,382,747.68 22,207,601.18 22,696,367.50 23,269,998.89  
  (2) Non-Current Assets Held for Sale, Gross 13,427,955.23 13,494,948.39 15,203,880.41 15,040,066.79 16,430,352.41 16,197,982.55 16,209,607.33 15,920,015.97 15,685,082.93 15,449,357.22 15,364,613.24 16,083,818.28  
  Non-Current Assets Held for Sale, net 10,820,916.83 10,887,909.99 12,332,297.33 12,168,483.70 13,610,695.41 13,557,027.55 13,568,652.33 13,279,060.97 13,044,127.93 12,986,523.22 12,901,779.24 12,660,695.81  
  Unamortized Discount and Other Deferred Credits 179,700.44 179,222.70 242,059.16 252,548.01 251,444.44 248,072.66 239,697.23 247,836.59 247,724.02 248,483.96 248,830.32 251,821.66  
  Accummulated Depreciation 14,773,104.19 15,099,951.48 15,298,863.72 15,291,801.63 15,243,125.39 15,010,460.42 14,998,291.25 15,013,278.44 14,973,344.71 14,910,722.46 14,860,321.22 13,845,199.31  
  Allowance for Losses 15,118,030.72 15,113,125.69 15,926,816.98 16,079,382.25 16,234,807.99 16,378,411.73 16,435,130.20 17,101,254.49 16,872,584.58 16,623,312.39 16,811,427.08 17,796,447.77  
  OTHER ASSETS 393,268,917.65 386,776,926.80 391,247,193.89 401,343,774.82 410,128,039.37 400,333,052.16 396,158,531.51 408,574,645.10 399,674,855.08 406,091,190.98 421,623,156.02 417,986,823.98  
  LIABILITIES AND CAPITAL  
  LIABILITIES 5,272,292,677.27 5,309,124,053.58 5,458,409,192.61 5,436,422,072.34 5,549,421,098.58 5,564,665,405.22 5,416,514,202.27 5,501,324,174.22 5,624,284,243.59 5,644,133,597.49 5,907,997,403.35 6,109,789,906.10  
  FINANCIAL LIABILITIES HFT 33,861,305.50 61,148,165.11 71,141,533.95 77,931,173.70 49,425,215.80 39,537,048.74 44,629,072.61 43,165,422.93 66,056,909.22 86,243,524.12 59,388,108.46 53,380,632.72  
  FINANCIAL LIABILITIES DFVPL 6,334,752.09 6,356,507.37 6,389,134.60 6,346,741.54 6,313,472.12 6,324,417.12 6,321,239.26 6,344,832.28 6,339,270.96 6,400,879.92 6,486,699.00 6,485,422.38  
  DEPOSIT LIABILITIES 4,472,692,759.48 4,473,366,104.80 4,597,499,072.34 4,598,743,389.15 4,709,566,813.05 4,756,053,407.56 4,639,971,274.74 4,679,788,258.31 4,777,056,887.69 4,728,525,054.07 4,894,063,083.03 5,125,098,798.44  
  Peso Liabilities 3,376,636,751.02 3,377,053,314.67 3,503,185,057.19 3,507,350,421.30 3,574,285,662.08 3,611,164,612.38 3,551,877,638.49 3,575,831,704.22 3,703,439,693.65 3,677,317,651.43 3,798,867,561.72 4,023,621,400.93  
  Demand and NOW 794,475,329.97 812,788,022.30 830,346,836.16 829,460,451.36 874,565,075.13 859,562,523.59 854,408,126.54 867,332,462.71 850,995,889.21 853,427,984.95 898,127,920.37 914,817,913.06  
  Savings 1,639,588,310.48 1,621,138,246.18 1,675,399,521.14 1,692,142,867.95 1,696,353,227.34 1,734,648,190.43 1,726,294,080.82 1,729,856,227.13 1,751,845,796.68 1,782,460,759.26 1,839,047,892.01 1,929,487,103.75  
  Time 910,443,118.16 910,985,108.25 965,229,097.69 953,524,538.72 966,784,414.24 982,433,416.61 938,131,518.09 945,575,510.15 1,067,495,723.88 1,008,303,023.34 1,026,923,160.93 1,144,457,536.26  
  LTNCD 32,129,992.42 32,141,937.94 32,209,602.22 32,222,563.26 36,582,945.37 34,520,481.75 33,043,913.04 33,067,504.23 33,102,283.88 33,125,883.89 34,768,588.42 34,858,847.87  
  Foreign Currency 1,096,056,008.46 1,096,312,790.13 1,094,314,015.15 1,091,392,967.85 1,135,281,150.96 1,144,888,795.18 1,088,093,636.25 1,103,956,554.09 1,073,617,194.03 1,051,207,402.64 1,095,195,521.31 1,101,477,397.50  
  Demand and NOW 34,819,739.32 35,006,418.00 34,162,559.42 33,484,716.25 35,525,579.05 33,189,001.10 32,335,428.76 35,429,247.79 35,557,604.60 34,729,747.96 36,180,916.93 33,830,636.72  
  Savings 423,797,311.21 423,973,117.77 422,951,034.19 434,609,866.46 444,999,148.52 438,805,500.42 437,720,392.05 455,662,027.03 454,235,965.97 435,023,930.65 463,733,939.91 462,581,990.71  
  Time 637,438,957.93 637,333,254.37 637,200,421.54 623,298,385.14 654,756,423.40 672,894,293.65 618,037,815.44 612,865,279.28 583,823,623.46 581,453,724.02 595,280,664.47 605,064,770.06  
  LTNCD 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00  
  DUE TO BANKS/OTHERS 55,497,247.97 65,784,198.57 60,390,108.69 53,051,819.41 73,436,998.65 62,216,532.46 60,976,026.55 56,223,200.21 63,228,625.55 104,498,231.35 144,007,550.32 120,222,057.56  
  BILLS PAYABLE 326,499,888.41 325,178,991.06 336,464,534.32 294,392,419.04 300,266,193.27 299,624,150.85 276,418,592.46 294,687,869.23 313,897,272.11 299,720,132.66 338,743,523.65 370,908,350.02  
  BONDS PAYABLE 5,873,973.00 11,494,386.87 11,249,765.57 11,073,832.16 11,522,644.02 11,553,473.92 11,347,619.63 11,304,233.62 10,933,873.53 23,573,579.07 24,117,435.18 24,031,141.90  
  UNSECURED SUBORDINATED DEBT, NET 104,480,178.42 104,861,614.20 105,615,110.15 105,667,483.81 105,946,043.95 106,032,570.67 107,884,129.12 106,676,466.55 106,496,904.52 106,387,303.89 106,555,491.18 106,550,033.66  
  REDEEMABLE PREFERRED SHARES 80,483.30 80,483.30 449,523.20 449,523.20 449,523.20 427,529.60 427,329.60 427,329.60 448,663.92 448,863.92 448,813.92 452,723.92  
  DERIVATIVES WITH NEGATIVE FAIR VALUE HELD FOR HEDGING 467,585.16 451,865.17 391,476.74 368,344.39 437,485.96 421,061.46 423,580.16 460,591.40 461,619.29 506,251.62 521,342.34 487,953.29  
  OTHER LIABILITIES 266,504,503.93 260,401,737.12 268,818,933.04 288,397,345.93 292,056,708.57 282,475,212.84 268,115,338.14 302,245,970.08 279,364,216.81 287,829,776.88 333,665,356.27 302,172,792.20  
  TOTAL CAPITAL ACCOUNTS  660,673,170.17 665,393,604.34 698,316,348.94 718,959,971.06 721,227,727.16 732,674,022.79 746,877,362.33 773,575,646.29 793,396,108.84 803,985,125.85 802,993,997.26 808,531,999.11  
  Capital Stock 326,098,427.92 326,985,205.09 344,897,638.56 358,562,363.10 363,490,915.42 365,579,766.44 365,794,626.38 375,660,484.18 377,534,321.34 377,529,037.90 377,611,459.85 381,500,349.87  
  Retained Earnings & Undivided Profits 209,572,045.39 210,404,397.95 222,820,925.55 225,947,598.81 231,262,004.12 227,037,964.31 231,586,995.11 238,881,662.32 246,381,170.36 255,692,832.25 256,220,329.39 263,179,885.93  
  Other Comprehensive Income 7,574,100.64 8,638,717.14 11,482,304.93 11,781,464.85 10,063,254.88 13,450,148.21 20,950,566.75 30,799,260.90 34,437,518.16 39,950,082.16 33,997,685.98 28,075,185.00  
  Appraisal Increment Reserves 2,644,611.30 2,644,610.65 2,825,428.71 2,830,277.01 2,816,486.36 2,766,028.69 2,766,028.04 2,766,027.38 2,764,026.73 2,764,026.08 2,764,025.43 2,734,462.46  
  Other Capital 114,783,984.92 116,720,673.52 116,290,051.18 119,838,267.29 113,595,066.37 123,840,115.14 125,779,146.06 125,468,211.50 132,279,072.25 128,049,147.46 132,400,496.62 133,042,115.84