3 Balance Sheet                          
                             
                             
  Philippine Banking System                          
  as of end of periods indicated                          
  amounts in thousand Pesos                          
                             
   
  Selected Accounts Jan-12 Feb-12 Mar-12 Apr-12 May-12 Jun-12 Jul-12 Aug-12 Sep-12 Oct-12 Nov-12 Dec-12  
   
  TOTAL ASSETS  7,127,804,146.38 7,257,436,062.05 7,171,741,164.05 7,268,914,159.61 7,277,899,415.07 7,409,936,548.20 7,423,539,645.54 7,362,128,622.43 7,563,517,497.62 7,601,929,540.54 7,844,966,198.17 8,049,723,471.07  
  CASH AND DUE FROM BANKS 1,251,022,842.25 1,286,007,628.92 1,154,423,517.83 1,217,415,045.73 1,181,599,675.70 1,203,430,874.79 1,222,974,865.80 1,229,995,462.50 1,351,694,299.56 1,245,536,314.61 1,408,097,732.24 1,459,169,420.92  
  TLP (INCLUSIVE OF IBL AND RRPs) , NET  3,496,504,648.24 3,527,302,377.13 3,567,946,238.81 3,633,036,352.47 3,665,142,961.88 3,792,184,410.61 3,783,358,983.50 3,788,937,294.50 3,827,300,118.03 3,882,032,553.86 3,950,174,509.30 4,071,831,766.43  
  Total Loan Portfolio (TLP), gross  3,642,636,816.18 3,675,836,854.43 3,718,770,859.22 3,784,474,987.12 3,815,838,214.01 3,945,955,982.59 3,938,487,933.52 3,945,000,117.14 3,983,451,526.93 4,038,396,417.08 4,106,542,668.28 4,228,600,583.42  
  (a) Interbank Loans Receivable (IBL) 194,166,848.46 169,635,584.52 143,870,953.58 184,177,538.76 153,923,844.13 169,601,093.83 163,328,394.53 162,432,156.24 166,258,243.50 167,644,587.06 149,370,635.37 161,113,708.29  
  (b) Total Reverse Repurchase (RRPs) 215,026,269.54 263,685,482.87 266,460,125.94 210,089,130.14 271,157,568.72 280,733,610.36 278,395,337.99 282,845,636.52 287,039,934.66 252,789,449.67 282,018,905.63 283,508,245.24  
  of which:  
  Reverse Repurchase (RRPs) with BSP 212,730,000.00 260,951,000.00 255,043,000.00 206,868,000.00 266,785,000.00 270,373,000.00 274,509,000.00 278,979,000.00 280,484,000.00 246,828,000.00 277,177,000.00 277,684,000.00  
  Reverse Repurchase (RRPs) with Other Banks 503,395.87 503,395.87 1,002,414.22 502,414.22 1,102,414.22 2,430.00 438,715.47 439,292.80 440,161.26 657,765.47 459,225.63 574,355.04  
  (c) Loans and Receivable - Others, net of amortization 3,233,443,698.19 3,242,515,787.04 3,308,439,779.70 3,390,208,318.22 3,390,756,801.15 3,495,621,278.40 3,496,764,201.00 3,499,722,324.37 3,530,153,348.78 3,617,962,380.35 3,675,153,127.29 3,783,978,629.90  
  Allowance for Credit Losses  146,132,167.95 148,534,477.30 150,824,620.41 151,438,634.65 150,695,252.13 153,771,571.98 155,128,950.02 156,062,822.64 156,151,408.90 156,363,863.23 156,368,158.98 156,768,816.99  
  TLP, gross (exclusive of IBL) 3,448,469,967.73 3,506,201,269.91 3,574,899,905.64 3,600,297,448.36 3,661,914,369.87 3,776,354,888.76 3,775,159,539.00 3,782,567,960.89 3,817,193,283.43 3,870,751,830.02 3,957,172,032.91 4,067,486,875.13  
  TLP, gross (exclusive of IBL and RRP with BSP and Other Banks) 3,235,236,571.86 3,244,746,874.04 3,318,854,491.42 3,392,927,034.14 3,394,026,955.65 3,505,979,458.76 3,500,211,823.52 3,503,149,668.09 3,536,269,122.18 3,623,266,064.55 3,679,535,807.29 3,789,228,520.10  
  TOTAL INVESTMENTS, NET 1,855,916,413.17 1,904,848,504.92 1,920,589,540.01 1,898,073,934.88 1,923,892,841.92 1,887,619,944.42 1,903,098,091.73 1,850,935,172.83 1,889,077,669.64 1,978,747,437.85 1,980,085,644.87 2,013,198,445.35  
  (A) Financial Assets, net (Portfolio Investments) 1,702,274,301.81 1,747,300,384.12 1,759,152,172.68 1,739,029,534.73 1,766,341,352.21 1,728,885,992.03 1,743,299,824.03 1,690,900,464.21 1,726,656,330.26 1,817,571,672.99 1,818,002,742.90 1,849,089,305.15  
  Financial Assets, gross (net of amortization) 1,680,129,835.25 1,718,349,206.28 1,744,539,862.44 1,725,556,182.75 1,764,033,256.16 1,716,398,532.92 1,715,553,782.99 1,668,368,735.25 1,702,340,368.47 1,789,771,398.37 1,785,284,096.29 1,819,248,218.95  
  (1) Financial Assets Held for Trading (HFT) 193,448,489.49 222,492,393.39 188,704,074.07 212,291,250.50 237,471,876.18 214,602,645.73 236,149,772.90 211,873,205.85 242,525,567.92 290,819,030.00 282,407,983.94 268,577,213.87  
  (2) Financial Assets DFVPL 9,386,009.05 9,363,507.43 7,348,459.33 7,229,746.75 7,437,429.71 9,475,889.01 9,420,815.34 4,705,509.70 10,721,745.24 10,664,945.15 8,342,865.86 8,345,847.94  
  (3) Available-for-Sale (AFS) Financial Assets 867,446,885.97 891,190,076.80 942,527,925.96 910,868,842.49 924,270,957.39 913,716,659.39 892,070,379.92 875,587,307.48 871,027,129.29 931,955,809.03 949,957,519.79 1,001,898,104.19  
  (4) Held-to-Maturity (HTM) Financial Assets 447,890,801.74 433,705,013.75 441,827,659.57 432,859,218.17 431,405,174.66 419,433,739.46 416,994,020.50 417,570,881.54 423,458,599.60 403,040,271.71 391,918,867.30 391,335,239.40  
  (5) Unquoted Debt Securities Classified as Loans 140,966,062.01 140,628,004.92 143,139,779.03 141,434,325.61 142,263,287.32 138,241,962.39 140,115,932.42 137,854,784.92 133,857,937.38 132,577,584.62 131,984,164.15 128,401,222.38  
  (6) Investments in Non-Marketable Equity Securities 20,991,587.00 20,970,210.00 20,991,964.49 20,872,799.23 21,184,530.91 20,927,636.94 20,802,861.91 20,777,045.76 20,749,389.04 20,713,757.87 20,672,695.24 20,690,591.19  
  Accumulated Market Gains/Losses  47,467,150.43 54,409,149.57 39,591,132.19 38,330,021.52 27,275,953.16 37,638,663.33 53,098,457.75 48,958,409.74 50,116,646.28 53,768,027.07 58,232,687.68 55,389,081.92  
  Allowance for Credit Losses  25,322,683.87 25,457,971.73 24,978,821.96 24,856,669.54 24,967,857.12 25,151,204.22 25,352,416.71 26,426,680.78 25,800,684.48 25,967,752.44 25,514,041.06 25,547,995.72  
  (B) Equity Investment in Subsidiaries/Associates/Joint Ventures, net (Direct Investments) 153,642,111.36 157,548,120.80 161,437,367.34 159,044,400.15 157,551,489.71 158,733,952.38 159,798,267.70 160,034,708.62 162,421,339.38 161,175,764.85 162,082,901.97 164,109,140.20  
  ROPA, NET 123,812,680.89 123,375,729.60 123,277,950.64 122,664,460.95 122,457,298.32 121,967,879.24 121,037,736.73 119,832,073.14 119,469,527.71 121,508,247.28 120,924,308.19 116,144,718.73  
  Real and Other Properties Acquired (ROPA), gross 155,619,293.44 154,916,490.66 156,407,329.13 153,765,078.18 153,447,257.32 153,216,528.01 151,985,711.80 151,321,260.91 150,895,739.94 152,807,888.15 151,421,603.00 146,673,325.67  
  of which:  
  (1) Sales Contract Receivables, Gross 21,647,905.95 21,332,821.80 20,569,551.54 20,487,178.75 21,175,986.79 21,000,070.92 20,938,597.60 20,589,816.12 20,667,157.69 21,140,657.65 20,837,529.36 21,190,032.81  
  (a) Performing 14,792,255.66 14,143,370.99 14,200,752.55 14,143,978.05 14,533,533.05 14,848,518.98 14,883,342.38 14,544,310.73 14,580,927.04 15,242,250.78 14,647,670.71 14,858,778.33  
  (b) Non-Performing 6,855,650.29 7,189,450.81 6,368,799.00 6,343,200.70 6,642,453.74 6,151,551.94 6,055,255.22 6,045,505.38 6,086,230.65 5,898,406.87 6,189,858.65 6,331,254.48  
  Sales Contract Receivables, Net 20,922,798.58 20,593,787.44 20,026,711.07 20,000,662.35 20,679,645.03 20,487,754.39 20,451,245.80 20,105,997.91 20,125,215.40 20,601,440.54 20,300,047.54 20,597,250.61  
  (2) Non-Current Assets Held for Sale, Gross 14,246,061.95 14,332,302.79 16,360,254.51 13,896,819.04 13,939,693.05 13,335,164.86 11,945,559.68 12,259,386.07 12,339,346.60 13,951,442.11 13,945,958.76 11,876,799.18  
  Non-Current Assets Held for Sale, net 11,055,454.68 11,135,416.15 11,460,324.76 10,796,949.37 10,981,640.95 10,287,398.09 9,473,487.97 9,339,401.44 9,303,913.43 10,949,582.61 10,929,878.62 9,027,983.37  
  Unamortized Discount and Other Deferred Credits 252,070.81 249,933.62 250,540.18 192,525.08 195,458.84 204,612.12 194,092.77 192,198.89 235,125.32 231,406.67 233,363.46 231,144.18  
  Accummulated Depreciation 13,305,155.53 13,336,555.79 13,281,903.30 13,102,253.55 12,991,786.56 13,077,456.51 13,259,454.46 13,324,174.54 13,356,537.71 13,350,767.16 12,771,919.92 13,426,259.95  
  Allowance for Losses 18,249,386.22 17,954,271.65 19,596,935.01 17,805,838.59 17,802,713.60 17,966,580.13 17,494,427.85 17,972,814.33 17,834,549.19 17,717,467.04 17,492,011.43 16,871,202.81  
  OTHER ASSETS 400,547,561.82 415,901,821.47 405,503,916.75 397,724,365.58 384,806,637.25 404,733,439.14 393,069,967.79 372,428,619.47 375,975,882.69 374,104,986.95 385,684,003.58 389,379,119.64  
  LIABILITIES AND CAPITAL  
  LIABILITIES 6,197,006,516.26 6,319,547,441.51 6,233,781,516.72 6,336,272,132.30 6,347,675,836.61 6,462,987,600.47 6,408,805,723.65 6,355,746,113.80 6,546,486,177.92 6,574,344,311.25 6,805,098,121.07 6,998,273,162.53  
  FINANCIAL LIABILITIES HFT 46,030,633.68 43,206,523.39 35,237,717.00 46,906,995.07 41,517,912.31 51,072,255.74 60,362,349.99 49,698,556.69 54,811,332.14 60,670,785.63 64,101,457.05 52,724,120.84  
  FINANCIAL LIABILITIES DFVPL 6,460,852.89 6,415,717.98 6,368,615.18 6,377,583.96 6,353,466.84 6,339,070.58 6,277,561.15 6,266,554.00 6,272,370.56 6,264,372.83 6,227,313.16 6,196,070.06  
  DEPOSIT LIABILITIES 5,126,439,733.71 5,185,783,075.53 5,170,121,309.89 5,229,739,423.03 5,248,237,182.48 5,363,604,624.91 5,235,299,482.76 5,221,569,761.01 5,358,631,207.68 5,354,029,692.31 5,541,857,526.21 5,753,629,186.68  
  Peso Liabilities 4,055,087,205.89 4,092,342,270.82 4,086,126,597.57 4,131,847,370.81 4,130,308,366.77 4,261,466,220.71 4,138,760,665.25 4,143,707,305.67 4,276,188,876.94 4,260,989,772.25 4,484,859,292.66 4,711,419,307.15  
  Demand and NOW 1,041,939,070.03 1,024,865,119.04 1,040,756,889.27 1,024,610,857.53 1,035,027,130.93 1,036,856,336.21 1,042,350,809.79 1,048,437,713.39 1,056,902,996.71 1,053,651,445.54 1,104,861,662.46 1,113,789,268.67  
  Savings 1,999,499,829.84 2,028,361,562.72 2,014,108,519.74 2,048,285,833.77 2,014,898,075.85 2,072,250,725.12 2,032,028,004.96 2,035,029,651.23 2,115,944,697.08 2,101,890,548.09 2,155,003,636.55 2,316,373,393.82  
  Time 973,901,390.17 994,337,321.39 986,454,618.64 1,014,116,716.61 1,032,518,632.99 1,109,449,365.55 1,021,443,589.40 1,013,873,916.11 1,056,933,127.33 1,054,008,414.96 1,171,988,519.05 1,230,419,683.47  
  LTNCD 39,746,915.85 44,778,267.67 44,806,569.92 44,833,962.90 47,864,527.00 42,909,793.83 42,938,261.10 46,366,024.93 46,408,055.82 51,439,363.65 53,005,474.59 50,836,961.19  
  Foreign Currency 1,071,352,527.82 1,093,440,804.72 1,083,994,712.32 1,097,892,052.22 1,117,928,815.71 1,102,138,404.20 1,096,538,817.51 1,077,862,455.34 1,082,442,330.74 1,093,039,920.06 1,056,998,233.55 1,042,209,879.54  
  Demand and NOW 38,625,497.04 39,845,879.93 39,342,881.99 40,955,860.90 38,492,893.01 38,186,836.04 38,024,961.20 41,710,338.14 42,402,942.89 43,749,525.57 41,141,171.14 41,060,063.60  
  Savings 469,525,951.07 470,517,803.31 474,051,661.82 494,524,626.16 506,255,873.11 484,138,852.69 490,818,161.43 482,342,494.18 488,413,104.92 502,655,145.65 482,942,612.65 477,248,782.95  
  Time 563,201,079.71 583,077,121.47 570,600,168.51 562,411,565.16 573,180,049.59 579,812,715.47 567,695,694.89 553,809,623.02 551,626,282.93 546,635,248.83 532,914,449.76 523,901,032.99  
  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 163,355,000.36 172,266,904.78 127,277,994.68 152,931,132.02 193,639,851.03 154,353,509.45 211,131,278.03 214,797,944.60 201,821,858.41 233,136,166.82 251,852,470.03 238,022,263.52  
  BILLS PAYABLE 360,854,726.43 359,968,029.19 375,266,506.56 363,703,605.87 349,053,664.09 361,880,196.85 363,940,933.69 352,623,791.97 396,151,399.73 404,182,917.70 394,059,108.57 426,655,509.40  
  BONDS PAYABLE 44,860,076.38 57,491,515.68 57,709,088.97 59,973,008.91 61,815,949.82 59,857,844.24 59,292,774.26 59,778,893.33 59,269,879.91 58,533,609.90 58,138,169.96 58,354,384.87  
  UNSECURED SUBORDINATED DEBT, NET 120,621,014.99 123,603,403.53 129,360,649.25 127,879,338.85 131,863,418.69 131,873,503.59 131,883,237.66 131,892,985.17 131,932,771.09 123,492,287.31 113,500,507.48 113,458,927.08  
  REDEEMABLE PREFERRED SHARES 387,767.01 387,767.01 388,595.20 380,395.20 380,195.20 362,514.81 362,514.81 362,514.81 336,059.89 336,059.89 336,059.89 351,655.35  
  DERIVATIVES WITH NEGATIVE FAIR VALUE HELD FOR HEDGING 433,521.50 430,036.89 414,475.11 376,501.21 475,291.37 382,479.55 394,764.38 399,818.44 404,269.99 390,188.05 406,720.29 397,549.10  
  OTHER LIABILITIES 327,563,189.31 369,994,467.52 331,636,564.89 348,004,148.18 314,338,904.78 333,261,600.75 339,860,826.92 318,355,293.78 336,855,028.52 333,308,230.82 374,618,788.43 348,483,495.62  
  TOTAL CAPITAL ACCOUNTS  930,797,630.12 937,888,620.53 937,959,647.33 932,642,027.30 930,223,578.46 946,948,947.73 1,014,733,921.89 1,006,382,508.63 1,017,031,319.70 1,027,585,229.29 1,039,868,077.10 1,051,450,308.54  
  Capital Stock 408,721,734.56 408,778,073.37 413,067,424.93 408,370,273.91 416,528,414.74 417,370,821.21 461,150,435.16 461,170,971.74 462,126,320.46 465,068,450.76 465,073,893.99 466,038,988.10  
  Retained Earnings & Undivided Profits 329,893,476.34 328,493,349.42 336,955,507.93 339,480,796.48 339,810,473.88 346,426,336.07 356,396,089.72 350,258,706.94 358,123,292.12 363,267,175.94 369,611,081.46 373,767,983.83  
  Other Comprehensive Income 50,334,351.92 58,333,617.54 43,275,608.15 40,734,869.94 29,244,085.32 38,285,718.70 52,291,737.88 48,590,001.39 49,864,276.68 53,514,645.11 57,926,328.44 55,135,391.86  
  Appraisal Increment Reserves 2,422,289.10 2,424,614.62 2,359,631.50 2,100,507.32 2,100,506.67 2,086,276.88 2,086,276.23 2,086,275.58 2,082,629.49 2,082,628.84 2,082,628.19 3,426,165.01  
  Other Capital 139,425,778.20 139,858,965.59 142,301,474.81 141,955,579.64 142,540,097.85 142,779,794.87 142,809,382.90 144,276,552.99 144,834,800.93 143,652,328.63 145,174,145.01 153,081,779.73