7 Selected Performance Indicators                          
                             
                             
  Philippine Banking System                          
  as of end of periods indicated                          
  amounts in thousand Pesos, ratios in percent (%)                          
                             
   
  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  
   
  ASSET QUALITY RATIOS:   
  Past Due Ratio 4.48 4.42 4.36 4.31 4.18 4.02 4.01 4.06 4.06 4.01 3.96 3.73  
  Past Due Loans 163,295,426.73 162,305,253.22 162,250,573.16 163,001,456.29 159,616,650.64 158,679,522.31 158,109,886.43 160,267,190.37 161,728,867.19 161,834,318.83 162,699,047.14 157,619,198.31  
  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  
  RL to TLP 1.24 1.22 1.13 1.09 1.09 1.05 1.04 1.04 1.05 1.01 0.99 0.95  
  Restructured Loans (RL), gross 45,268,743.66 44,877,960.58 42,032,203.98 41,427,753.22 41,664,910.82 41,237,075.89 40,971,932.76 40,899,721.54 41,954,602.96 40,749,527.30 40,626,366.63 40,219,794.34  
  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  
  Loan Loss Reserves (LLR) to TLP 3.06 3.06 3.10 3.06 2.99 2.96 2.99 3.00 2.98 2.96 2.90 2.84  
  Allowance for Credit Losses (ACL) - TLP 110,365,808.41 111,524,758.80 114,254,380.28 114,760,120.82 112,873,239.70 115,609,707.39 116,577,073.98 117,210,518.26 117,567,214.12 118,379,342.02 117,998,221.89 119,082,896.05  
  TLP, gross  3,606,870,456.65 3,638,827,135.94 3,682,200,619.09 3,747,796,473.29 3,778,016,201.58 3,907,794,118.00 3,899,936,057.48 3,906,147,812.76 3,944,867,332.14 4,000,411,895.88 4,068,172,731.20 4,190,914,662.48  
  NPL Ratio 2.99 2.99 2.98 2.91 2.80 2.63 2.67 2.69 2.67 2.65 2.62 2.51  
  Non-Performing Loans (NPL) 107,854,408.81 108,663,501.58 109,809,035.78 109,093,671.47 105,678,495.67 102,667,036.42 104,136,134.67 105,259,813.22 105,463,492.90 105,846,035.41 106,789,438.26 105,309,348.78  
  TLP, gross  3,606,870,456.65 3,638,827,135.94 3,682,200,619.09 3,747,796,473.29 3,778,016,201.58 3,907,794,118.00 3,899,936,057.48 3,906,147,812.76 3,944,867,332.14 4,000,411,895.88 4,068,172,731.20 4,190,914,662.48  
  NPL Ratio, net of IBL 3.16 3.13 3.10 3.06 2.92 2.75 2.79 2.81 2.79 2.76 2.73 2.61  
  NPL 107,854,408.81 108,663,501.58 109,809,035.78 109,093,671.47 105,678,495.67 102,667,036.42 104,136,134.67 105,259,813.22 105,463,492.90 105,846,035.41 106,789,438.26 105,309,348.78  
  TLP, gross net of IBL 3,412,703,608.19 3,469,191,551.42 3,538,329,665.51 3,563,618,934.53 3,624,092,357.44 3,738,193,024.17 3,736,607,662.95 3,743,715,656.51 3,778,609,088.65 3,832,767,308.81 3,918,802,095.83 4,029,800,954.19  
  NPL Coverage Ratio 102.33 102.63 104.05 105.19 106.81 112.61 111.95 111.35 111.48 111.84 110.50 113.08  
  ACL - TLP 110,365,808.41 111,524,758.80 114,254,380.28 114,760,120.82 112,873,239.70 115,609,707.39 116,577,073.98 117,210,518.26 117,567,214.12 118,379,342.02 117,998,221.89 119,082,896.05  
  Gross NPL 107,854,408.81 108,663,501.58 109,809,035.78 109,093,671.47 105,678,495.67 102,667,036.42 104,136,134.67 105,259,813.22 105,463,492.90 105,846,035.41 106,789,438.26 105,309,348.78  
  NPA to Gross Assets  3.42 3.37 3.44 3.35 3.30 3.19 3.19 3.22 3.13 3.14 3.05 2.89  
  Non-Performing Assets (NPA) 248,681,446.59 249,436,621.25 252,015,612.37 248,714,771.60 244,592,219.94 241,035,045.45 241,238,504.10 242,036,763.39 241,778,305.80 243,411,672.77 243,561,498.89 237,123,896.12  
  (1) Gross NPL 107,854,408.81 108,663,501.58 109,809,035.78 109,093,671.47 105,678,495.67 102,667,036.42 104,136,134.67 105,259,813.22 105,463,492.90 105,846,035.41 106,789,438.26 105,309,348.78  
  (2) ROPA, gross 140,827,037.78 140,773,119.67 142,206,576.58 139,621,100.13 138,913,724.26 138,368,009.03 137,102,369.43 136,776,950.17 136,314,812.90 137,565,637.37 136,773,932.29 131,814,547.34  
  Gross Assets 7,269,724,496.53 7,400,251,648.29 7,318,874,382.64 7,414,582,372.58 7,421,567,154.93 7,556,590,292.23 7,570,870,601.83 7,510,636,129.56 7,712,275,798.64 7,751,377,116.76 7,993,226,479.76 8,199,103,829.88  
  (1) 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  
  (2) Allowance on NPA 141,920,350.15 142,815,586.25 147,133,218.59 145,668,212.97 143,667,739.86 146,653,744.02 147,330,956.29 148,507,507.13 148,758,301.03 149,447,576.22 148,260,281.59 149,380,358.81  
  NPA Coverage Ratio 57.07 57.26 58.38 58.57 58.74 60.84 61.07 61.36 61.53 61.40 60.87 63.00  
  Allowance on NPA 141,920,350.15 142,815,586.25 147,133,218.59 145,668,212.97 143,667,739.86 146,653,744.02 147,330,956.29 148,507,507.13 148,758,301.03 149,447,576.22 148,260,281.59 149,380,358.81  
  NPA 248,681,446.59 249,436,621.25 252,015,612.37 248,714,771.60 244,592,219.94 241,035,045.45 241,238,504.10 242,036,763.39 241,778,305.80 243,411,672.77 243,561,498.89 237,123,896.12  
  Distressed Assets Ratio 7.25 7.21 7.12 6.91 6.76 6.47 6.48 6.49 6.44 6.39 6.30 5.97  
  Distressed Assets 272,691,197.40 273,365,920.48 273,419,879.70 269,787,054.39 265,741,753.19 262,709,516.40 262,411,508.54 263,519,675.57 263,712,553.58 265,403,044.95 265,720,625.48 259,151,583.30  
  NPA 248,681,446.59 249,436,621.25 252,015,612.37 248,714,771.60 244,592,219.94 241,035,045.45 241,238,504.10 242,036,763.39 241,778,305.80 243,411,672.77 243,561,498.89 237,123,896.12  
  RL, Performing 24,009,750.80 23,929,299.22 21,404,267.33 21,072,282.79 21,149,533.25 21,674,470.95 21,173,004.44 21,482,912.18 21,934,247.78 21,991,372.17 22,159,126.60 22,027,687.18  
  TLP, gross  3,606,870,456.65 3,638,827,135.94 3,682,200,619.09 3,747,796,473.29 3,778,016,201.58 3,907,794,118.00 3,899,936,057.48 3,906,147,812.76 3,944,867,332.14 4,000,411,895.88 4,068,172,731.20 4,190,914,662.48  
  Total ROPA 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  
  (1) ROPA, gross 140,827,037.78 140,773,119.67 142,206,576.58 139,621,100.13 138,913,724.26 138,368,009.03 137,102,369.43 136,776,950.17 136,314,812.90 137,565,637.37 136,773,932.29 131,814,547.34  
  (2) Performing SCR 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  
  LIQUIDITY RATIOS  
  (1) Cash and Due from Banks to Deposits 24.40 24.80 22.33 23.28 22.51 22.44 23.36 23.56 25.22 23.26 25.41 25.36  
  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  
  Deposits 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  
  (2) Liquid Assets to Deposits Ratio 57.61 58.49 56.35 56.53 56.17 54.67 56.66 55.94 57.45 57.21 58.21 57.50  
  Liquid Assets, sum of: 2,953,297,144.07 3,033,308,013.04 2,913,575,690.50 2,956,444,580.46 2,947,941,027.91 2,932,316,866.82 2,966,274,689.83 2,920,895,926.70 3,078,350,629.82 3,063,107,987.60 3,226,100,475.14 3,308,258,726.06  
  (1) 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  
  (2) Financial Assets, net (excl. equity 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  
  Deposits 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  
  (3) Loans (gross) to Deposits 71.06 70.88 71.93 72.36 72.71 73.57 75.23 75.55 74.34 75.43 74.10 73.49  
  Loans (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  
  Deposits 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  
  SELECTED PROFITABILITY RATIOS  
  (1)  Return on Assets (ROA) 1.63 1.58 1.58 1.58  
  Annualized Net Profit or Loss  113,831,397.15 113,914,451.49 115,136,817.85 121,867,019.92  
  Average Assets 6,985,598,162.24 7,215,499,952.82 7,306,853,448.93 7,692,703,605.05  
  Total Assets (last year) 6,799,455,160.44 7,021,063,357.43 7,050,189,400.24 7,335,683,739.04  
  Total Assets (current year) 7,171,741,164.05 7,409,936,548.20 7,563,517,497.62 8,049,723,471.07  
  (2) Return on Equity (ROE) 12.96 12.71 12.21 12.36  
  Annualized Net Profit or Loss  113,831,397.15 113,914,451.49 115,136,817.85 121,867,019.92  
  Average Capital 878,034,857.81 895,920,003.81 942,785,084.31 986,363,300.98  
  Total Capital (last year) 818,110,068.30 844,891,059.88 868,538,848.92 921,276,293.42  
  Total Capital (current year) 937,959,647.33 946,948,947.73 1,017,031,319.70 1,051,450,308.54  
  (3) Earning Asset Yield 5.71 5.52 5.43 5.21  
  Annualized Interest Income 356,566,963.25 357,293,847.35 357,130,582.24 359,192,450.47  
  Average Earning Assets 6,249,448,683.93 6,472,074,926.72 6,573,826,699.31 6,893,363,437.33  
  Earning Assets (last year) 6,083,967,922.95 6,288,111,853.25 6,328,841,686.72 6,525,874,891.03  
  Earning Assets (current year) 6,414,929,444.91 6,656,038,000.18 6,818,811,711.90 7,260,851,983.62  
  (4) Funding Cost 2.05 1.96 1.93 1.80  
  Annualized Interest Expense 116,251,691.12 115,081,375.06 113,156,935.40 111,203,669.26  
  Average Interest Bearing Liabilities 5,669,579,831.91 5,866,002,762.90 5,854,632,200.02 6,187,673,037.59  
  Interest Bearing Liabilities (last year) 5,563,739,546.89 5,756,169,801.98 5,701,043,682.16 5,963,209,819.52  
  Interest Bearing Liabilities (current year) 5,775,420,116.93 5,975,835,723.81 6,008,220,717.88 6,412,136,255.67  
  (5) Interest Spread 3.66 3.56 3.50 3.41  
  (3) Earning Asset Yield 5.71 5.52 5.43 5.21  
  (4) Funding Cost 2.05 1.96 1.93 1.80  
  (6) Net Interest Margin 3.84 3.74 3.71 3.60  
  Annualized Net Interest Income 240,027,162.05 241,922,277.40 243,656,078.49 247,849,256.65  
  Average Earning Assets 6,249,448,683.93 6,472,074,926.72 6,573,826,699.31 6,893,363,437.33  
  (7) Cost to Income Ratio 63.99 64.57 64.84 63.48  
  Annualized Non-Interest Expenses 247,762,081.43 249,225,668.99 254,972,915.63 255,127,542.54  
  Annualized Total Operating Income 387,211,096.43 385,996,480.13 393,240,866.00 401,906,435.73  
  (8) Net Interest Income to Total Operating Income 61.99 62.67 61.96 61.67  
  Annualized Net Interest Income  240,027,162.05 241,922,277.40 243,656,078.49 247,849,256.65  
  Annualized Total Operating Income 387,211,096.43 385,996,480.13 393,240,866.00 401,906,435.73  
  (9) Non-interest Income to Total Operating Income 38.01 37.33 38.04 38.33  
  Annualized Non-Interest Income 147,183,934.38 144,074,202.73 149,584,787.51 154,057,179.08  
  Annualized Total Operating Income 387,211,096.43 385,996,480.13 393,240,866.00 401,906,435.73  
  CAPITAL ADEQUACY  
  Capital Adequacy Ratio - Solo 17.02 16.96 17.99 17.35  
  Total Capital Accounts to Total Assets 13.06 12.93 13.08 12.84 12.79 12.78 13.67 13.67 13.45 13.52 13.26 13.07