7 Selected Performance Indicators                          
                             
                             
  Philippine Banking System                          
  as of end of periods indicated                          
  amounts in thousand Pesos, ratios in percent (%)                          
                             
   
  Selected Accounts Jan-11 Feb-11 Mar-11 Apr-11 May-11 Jun-11 Jul-11 Aug-11 Sep-11 Oct-11 Nov-11 Dec-11  
   
  ASSET QUALITY RATIOS:   
  Past Due Ratio 5.05 4.90 4.83 4.79 4.63 4.40 4.47 4.55 4.54 4.59 4.43 4.14  
  Past Due Loans 161,334,291.81 160,628,019.66 157,182,196.68 159,432,752.27 158,286,748.03 156,372,887.22 155,715,746.34 162,233,473.63 160,788,191.59 163,476,652.87 163,093,568.01 155,773,909.56  
  Total Loan Portfolio (TLP), gross  3,192,406,299.37 3,279,530,568.11 3,255,156,464.46 3,326,361,591.18 3,417,834,893.58 3,551,462,734.87 3,487,401,586.63 3,569,415,477.81 3,542,602,338.25 3,561,237,753.39 3,677,835,113.37 3,761,925,111.43  
  RL to TLP 1.59 1.52 1.52 1.48 1.41 1.36 1.37 1.35 1.34 1.33 1.28 1.24  
  Restructured Loans (RL), gross 50,663,831.93 49,711,003.78 49,345,036.48 49,153,022.61 48,037,127.72 48,204,704.53 47,835,953.47 48,237,727.41 47,372,246.13 47,274,629.15 47,106,844.10 46,524,247.04  
  TLP, gross  3,192,406,299.37 3,279,530,568.11 3,255,156,464.46 3,326,361,591.18 3,417,834,893.58 3,551,462,734.87 3,487,401,586.63 3,569,415,477.81 3,542,602,338.25 3,561,237,753.39 3,677,835,113.37 3,761,925,111.43  
  Loan Loss Reserves (LLR) to TLP 3.63 3.59 3.66 3.63 3.53 3.21 3.23 3.20 3.19 3.18 3.07 2.95  
  Allowance for Credit Losses (ACL) - TLP 114,897,139.08 116,736,770.82 118,137,002.91 119,787,536.11 119,731,513.18 112,768,157.68 111,588,496.99 113,177,670.63 111,771,640.07 112,130,138.77 111,812,728.75 109,962,993.08  
  TLP, gross  3,164,006,738.87 3,251,265,763.12 3,227,748,021.04 3,299,041,192.13 3,390,411,401.16 3,517,599,438.18 3,453,571,341.52 3,535,681,418.35 3,506,781,990.52 3,525,839,699.36 3,641,325,640.65 3,726,439,094.11  
  NPL Ratio 3.74 3.65 3.61 3.57 3.43 3.09 3.13 3.17 3.11 3.21 3.04 2.85  
  Non-Performing Loans (NPL) 118,330,024.87 118,676,824.63 116,484,597.79 117,841,344.28 116,160,836.51 108,728,198.02 108,018,780.22 112,051,302.58 109,109,677.58 113,041,307.29 110,740,753.12 106,094,968.76  
  TLP, gross  3,164,006,738.87 3,251,265,763.12 3,227,748,021.04 3,299,041,192.13 3,390,411,401.16 3,517,599,438.18 3,453,571,341.52 3,535,681,418.35 3,506,781,990.52 3,525,839,699.36 3,641,325,640.65 3,726,439,094.11  
  NPL Ratio, net of IBL 3.99 3.91 3.84 3.79 3.64 3.29 3.32 3.35 3.29 3.37 3.20 2.97  
  NPL 118,330,024.87 118,676,824.63 116,484,597.79 117,841,344.28 116,160,836.51 108,728,198.02 108,018,780.22 112,051,302.58 109,109,677.58 113,041,307.29 110,740,753.12 106,094,968.76  
  TLP, gross net of IBL 2,966,765,733.00 3,034,090,433.89 3,029,864,372.44 3,106,488,485.46 3,188,849,308.67 3,308,206,986.80 3,251,039,581.19 3,340,660,155.03 3,318,255,325.40 3,352,152,621.71 3,463,646,298.32 3,570,089,117.57  
  NPL Coverage Ratio 97.10 98.37 101.42 101.65 103.07 103.72 103.30 101.01 102.44 99.19 100.97 103.65  
  ACL - TLP 114,897,139.08 116,736,770.82 118,137,002.91 119,787,536.11 119,731,513.18 112,768,157.68 111,588,496.99 113,177,670.63 111,771,640.07 112,130,138.77 111,812,728.75 109,962,993.08  
  Gross NPL 118,330,024.87 118,676,824.63 116,484,597.79 117,841,344.28 116,160,836.51 108,728,198.02 108,018,780.22 112,051,302.58 109,109,677.58 113,041,307.29 110,740,753.12 106,094,968.76  
  NPA to Gross Assets  4.09 4.03 3.86 3.89 3.82 3.60 3.66 3.61 3.56 3.62 3.49 3.31  
  Non-Performing Assets (NPA) 278,516,962.16 279,184,701.91 268,438,196.83 269,413,483.99 267,132,252.87 258,125,717.92 257,061,420.71 259,936,789.87 256,012,818.71 258,665,302.93 255,922,212.13 247,719,548.38  
  (1) Gross NPL 118,330,024.87 118,676,824.63 116,484,597.79 117,841,344.28 116,160,836.51 108,728,198.02 108,018,780.22 112,051,302.58 109,109,677.58 113,041,307.29 110,740,753.12 106,094,968.76  
  (2) ROPA, gross 160,186,937.29 160,507,877.28 151,953,599.04 151,572,139.71 150,971,416.36 149,397,519.90 149,042,640.49 147,885,487.29 146,903,141.13 145,623,995.64 145,181,459.01 141,624,579.62  
  Gross Assets 6,810,179,304.41 6,921,091,525.61 6,949,477,036.20 6,918,748,091.79 6,992,055,483.07 7,165,294,068.99 7,018,554,029.00 7,198,535,531.12 7,193,625,882.65 7,143,833,025.02 7,329,414,274.90 7,476,973,633.20  
  (1) Total Assets 6,663,604,492.32 6,772,464,305.76 6,799,455,160.44 6,767,086,439.06 6,840,534,709.35 7,021,063,357.43 6,875,303,572.18 7,053,651,782.24 7,050,189,400.24 7,000,110,642.49 7,185,994,814.29 7,335,683,739.04  
  (2) Allowance on NPA 146,574,812.09 148,627,219.86 150,021,875.76 151,661,652.73 151,520,773.72 144,230,711.56 143,250,456.82 144,883,748.87 143,436,482.41 143,722,382.53 143,419,460.61 141,289,894.16  
  NPA Coverage Ratio 52.63 53.24 55.89 56.29 56.72 55.88 55.73 55.74 56.03 55.56 56.04 57.04  
  Allowance on NPA 146,574,812.09 148,627,219.86 150,021,875.76 151,661,652.73 151,520,773.72 144,230,711.56 143,250,456.82 144,883,748.87 143,436,482.41 143,722,382.53 143,419,460.61 141,289,894.16  
  NPA 278,516,962.16 279,184,701.91 268,438,196.83 269,413,483.99 267,132,252.87 258,125,717.92 257,061,420.71 259,936,789.87 256,012,818.71 258,665,302.93 255,922,212.13 247,719,548.38  
  Distressed Assets Ratio 9.14 8.88 8.62 8.48 8.23 7.67 7.82 7.75 7.68 7.73 7.42 7.04  
  Distressed Assets 305,199,247.93 304,351,530.97 292,651,540.60 293,968,721.42 292,661,052.35 282,479,726.08 283,068,862.97 286,831,730.61 281,861,876.60 284,986,607.01 282,089,124.83 273,450,408.71  
  NPA 278,516,962.16 279,184,701.91 268,438,196.83 269,413,483.99 267,132,252.87 258,125,717.92 257,061,420.71 259,936,789.87 256,012,818.71 258,665,302.93 255,922,212.13 247,719,548.38  
  RL, Performing 26,682,285.77 25,166,829.06 24,213,343.77 24,555,237.43 25,528,799.48 24,354,008.16 26,007,442.26 26,894,940.74 25,849,057.89 26,321,304.08 26,166,912.69 25,730,860.33  
  TLP, gross  3,164,006,738.87 3,251,265,763.12 3,227,748,021.04 3,299,041,192.13 3,390,411,401.16 3,517,599,438.18 3,453,571,341.52 3,535,681,418.35 3,506,781,990.52 3,525,839,699.36 3,641,325,640.65 3,726,439,094.11  
  Total ROPA 176,518,321.58 176,477,207.20 168,107,968.18 167,172,881.06 166,831,826.13 165,552,504.18 164,637,103.44 163,230,692.20 162,193,449.34 160,952,248.20 159,856,789.77 156,648,322.25  
  (1) ROPA, gross 160,186,937.29 160,507,877.28 151,953,599.04 151,572,139.71 150,971,416.36 149,397,519.90 149,042,640.49 147,885,487.29 146,903,141.13 145,623,995.64 145,181,459.01 141,624,579.62  
  (2) Performing SCR 16,331,384.30 15,969,329.92 16,154,369.14 15,600,741.35 15,860,409.77 16,154,984.28 15,594,462.95 15,345,204.91 15,290,308.21 15,328,252.55 14,675,330.76 15,023,742.63  
  LIQUIDITY RATIOS  
  (1) Cash and Due from Banks to Deposits 24.34 25.07 26.12 24.02 23.60 23.79 23.22 24.66 25.59 25.27 25.93 25.32  
  Cash and Due from Banks   1,201,221,894.58 1,251,319,233.87 1,308,204,473.21 1,179,812,069.47 1,182,048,527.34 1,227,222,132.31 1,152,473,054.59 1,241,291,909.19 1,301,019,632.10 1,263,330,534.31 1,345,502,150.96 1,361,343,208.77  
  Deposits 4,934,794,906.23 4,992,220,908.90 5,009,389,626.57 4,911,638,665.89 5,009,347,344.30 5,157,822,093.07 4,964,015,803.89 5,033,733,216.35 5,084,081,634.05 5,000,255,382.81 5,188,264,774.20 5,376,496,505.76  
  (2) Liquid Assets to Deposits Ratio 59.23 58.72 60.22 59.40 57.71 57.03 57.45 58.41 58.80 58.17 57.28 56.46  
  Liquid Assets, sum of: 2,923,038,607.55 2,931,413,380.98 3,016,488,525.97 2,917,432,764.40 2,890,949,326.84 2,941,540,486.52 2,851,768,534.89 2,940,134,513.01 2,989,432,808.54 2,908,426,752.42 2,971,714,079.08 3,035,327,639.49  
  (1) Cash and Due from Banks 1,201,221,894.58 1,251,319,233.87 1,308,204,473.21 1,179,812,069.47 1,182,048,527.34 1,227,222,132.31 1,152,473,054.59 1,241,291,909.19 1,301,019,632.10 1,263,330,534.31 1,345,502,150.96 1,361,343,208.77  
  (2) Financial Assets, net (excl. equity investments) 1,721,816,712.97 1,680,094,147.11 1,708,284,052.76 1,737,620,694.93 1,708,900,799.50 1,714,318,354.21 1,699,295,480.30 1,698,842,603.82 1,688,413,176.44 1,645,096,218.11 1,626,211,928.11 1,673,984,430.71  
  Deposits 4,934,794,906.23 4,992,220,908.90 5,009,389,626.57 4,911,638,665.89 5,009,347,344.30 5,157,822,093.07 4,964,015,803.89 5,033,733,216.35 5,084,081,634.05 5,000,255,382.81 5,188,264,774.20 5,376,496,505.76  
  (3) Loans (gross) to Deposits 64.69 65.69 64.98 67.72 68.23 68.86 70.25 70.91 69.68 71.22 70.89 69.97  
  Loans (gross) 3,192,406,299.37 3,279,530,568.11 3,255,156,464.46 3,326,361,591.18 3,417,834,893.58 3,551,462,734.87 3,487,401,586.63 3,569,415,477.81 3,542,602,338.25 3,561,237,753.39 3,677,835,113.37 3,761,925,111.43  
  Deposits 4,934,794,906.23 4,992,220,908.90 5,009,389,626.57 4,911,638,665.89 5,009,347,344.30 5,157,822,093.07 4,964,015,803.89 5,033,733,216.35 5,084,081,634.05 5,000,255,382.81 5,188,264,774.20 5,376,496,505.76  
  SELECTED PROFITABILITY RATIOS  
  (1)  Return on Assets (ROA) 1.47 1.54 1.51 1.47  
  Annualized Net Profit or Loss  95,014,302.52 102,500,968.66 101,507,996.11 104,732,062.59  
  Average Assets 6,478,090,350.99 6,659,201,392.72 6,733,934,876.34 7,127,002,822.12  
  Total Assets (last year) 6,156,725,541.55 6,297,339,428.00 6,417,680,352.43 6,918,321,905.21  
  Total Assets (current year) 6,799,455,160.44 7,021,063,357.43 7,050,189,400.24 7,335,683,739.04  
  (2) Return on Equity (ROE) 12.53 12.99 12.22 12.11  
  Annualized Net Profit or Loss  95,014,302.52 102,500,968.66 101,507,996.11 104,732,062.59  
  Average Capital 758,213,208.62 788,782,541.34 830,967,478.88 864,904,146.26  
  Total Capital (last year) 698,316,348.94 732,674,022.79 793,396,108.84 808,531,999.11  
  Total Capital (current year) 818,110,068.30 844,891,059.88 868,538,848.92 921,276,293.42  
  (3) Earning Asset Yield 5.96 5.83 5.87 5.60  
  Annualized Interest Income 342,154,433.75 345,623,728.12 351,321,629.68 354,090,908.26  
  Average Earning Assets 5,741,726,256.61 5,930,812,509.41 5,989,027,582.13 6,322,799,777.66  
  Earning Assets (last year) 5,399,484,590.27 5,573,513,165.56 5,649,213,477.54 6,119,724,664.29  
  Earning Assets (current year) 6,083,967,922.95 6,288,111,853.25 6,328,841,686.72 6,525,874,891.03  
  (4) Funding Cost 2.13 2.07 2.10 1.99  
  Annualized Interest Expense 113,622,733.59 113,566,297.03 115,134,214.92 115,762,247.54  
  Average Interest Bearing Liabilities 5,346,730,787.85 5,488,320,970.73 5,491,604,579.32 5,825,550,159.78  
  Interest Bearing Liabilities (last year) 5,129,722,028.80 5,220,472,139.49 5,282,165,476.48 5,687,890,500.04  
  Interest Bearing Liabilities (current year) 5,563,739,546.89 5,756,169,801.98 5,701,043,682.16 5,963,209,819.52  
  (5) Interest Spread 3.83 3.76 3.77 3.61  
  (3) Earning Asset Yield 5.96 5.83 5.87 5.60  
  (4) Funding Cost 2.13 2.07 2.10 1.99  
  (6) Net Interest Margin 3.98 3.91 3.94 3.76  
  Annualized Net Interest Income 228,310,941.71 231,792,315.04 235,817,278.96 238,045,876.67  
  Average Earning Assets 5,741,726,256.61 5,930,812,509.41 5,989,027,582.13 6,322,799,777.66  
  (7) Cost to Income Ratio 63.41 63.19 64.06 65.00  
  Annualized Non-Interest Expenses 228,666,348.72 235,151,993.50 234,063,513.74 240,958,365.63  
  Annualized Total Operating Income 360,590,213.10 372,159,514.92 365,390,995.48 370,704,589.24  
  (8) Net Interest Income to Total Operating Income 63.32 62.28 64.54 64.21  
  Annualized Net Interest Income  228,310,941.71 231,792,315.04 235,817,278.96 238,045,876.67  
  Annualized Total Operating Income 360,590,213.10 372,159,514.92 365,390,995.48 370,704,589.24  
  (9) Non-interest Income to Total Operating Income 36.68 37.72 35.46 35.79  
  Annualized Non-Interest Income 132,279,271.40 140,367,199.89 129,573,716.53 132,658,712.56  
  Annualized Total Operating Income 360,590,213.10 372,159,514.92 365,390,995.48 370,704,589.24  
  CAPITAL ADEQUACY  
  Capital Adequacy Ratio - Solo 16.48 16.34 16.44 16.65  
  Total Capital Accounts to Total Assets 12.00 11.85 12.04 12.35 12.24 12.04 12.56 12.42 12.32 12.77 12.54 12.56