7 Selected Performance Indicators                          
                             
                             
  Philippine Banking System                          
  as of end of periods indicated                          
  amounts in thousand Pesos, ratios in percent (%)                          
                             
   
  Selected Accounts Jan-14 Feb-14 Mar-14 Apr-14 May-14 Jun-14 Jul-14 Aug-14 Sep-14 Oct-14 Nov-14 Dec-14  
   
  ASSET QUALITY RATIOS:   
  Past Due Ratio 3.20 3.18 3.10 3.10 3.07 2.99 3.00 3.03 2.85 2.86 2.73 2.53  
  Past Due Loans 155,644,450.22 156,679,360.52 155,365,018.22 157,080,627.09 157,532,493.17 155,959,178.48 156,565,155.36 160,694,293.56 154,154,505.75 155,452,660.09 151,959,819.75 147,680,282.26  
  Total Loan Portfolio (TLP), gross  4,869,399,752.59 4,922,817,876.90 5,015,413,804.59 5,059,586,742.71 5,128,375,822.92 5,209,025,351.56 5,222,506,522.35 5,306,795,576.34 5,415,045,384.52 5,427,099,571.29 5,561,689,888.91 5,832,376,888.95  
  RL to TLP 0.72 0.71 0.70 0.79 0.79 0.79 0.78 0.76 0.67 0.67 0.65 0.60  
  Restructured Loans (RL), gross 34,883,692.48 35,140,016.82 35,236,819.83 39,996,429.23 40,609,093.93 41,250,103.88 40,986,636.92 40,446,207.75 36,456,501.45 36,388,959.94 36,233,486.62 35,156,288.96  
  TLP, gross  4,869,399,752.59 4,922,817,876.90 5,015,413,804.59 5,059,586,742.71 5,128,375,822.92 5,209,025,351.56 5,222,506,522.35 5,306,795,576.34 5,415,045,384.52 5,427,099,571.29 5,561,689,888.91 5,832,376,888.95  
  Loan Loss Reserves (LLR) to TLP 3.32 3.28 3.21 3.19 3.17 3.12 3.13 3.11 3.00 3.00 2.94 2.77  
  Allowance for Credit Losses (ACL) - TLP 161,434,851.07 161,285,357.79 161,171,975.11 161,357,485.12 162,657,408.39 162,644,805.21 163,245,869.17 165,032,085.38 162,569,452.81 162,832,905.27 163,492,246.58 161,573,126.73  
  TLP, gross  4,869,399,752.59 4,922,817,876.90 5,015,413,804.59 5,059,586,742.71 5,128,375,822.92 5,209,025,351.56 5,222,506,522.35 5,306,795,576.34 5,415,045,384.52 5,427,099,571.29 5,561,689,888.91 5,832,376,888.95  
  Gross NPL Ratio 2.85 2.87 2.77 2.77 2.77 2.68 2.70 2.74 2.56 2.56 2.48 2.31  
  Gross Non-Performing Loans (NPL) 138,734,550.61 141,231,999.79 138,697,938.14 140,337,900.13 141,884,625.44 139,829,548.91 141,180,903.54 145,331,659.55 138,705,674.72 139,075,095.04 137,985,150.15 134,830,591.58  
  TLP, gross  4,869,399,752.59 4,922,817,876.90 5,015,413,804.59 5,059,586,742.71 5,128,375,822.92 5,209,025,351.56 5,222,506,522.35 5,306,795,576.34 5,415,045,384.52 5,427,099,571.29 5,561,689,888.91 5,832,376,888.95  
  Gross NPL Ratio, net of IBL 2.94 2.95 2.85 2.85 2.85 2.77 2.78 2.83 2.64 2.62 2.55 2.40  
  Gross NPL, net of NP IBL 137,773,963.03 140,274,671.31 137,720,602.01 139,347,661.07 141,039,766.03 138,989,500.81 140,342,294.63 144,476,747.93 137,803,144.33 138,161,572.80 137,065,173.55 133,926,398.91  
  (1) Gross NPL 138,734,550.61 141,231,999.79 138,697,938.14 140,337,900.13 141,884,625.44 139,829,548.91 141,180,903.54 145,331,659.55 138,705,674.72 139,075,095.04 137,985,150.15 134,830,591.58  
  (2) Non-performing IBL 960,587.58 957,328.48 977,336.13 990,239.06 844,859.41 840,048.10 838,608.91 854,911.62 902,530.39 913,522.24 919,976.60 904,192.67  
  TLP, gross net of IBL 4,690,199,143.28 4,756,949,277.64 4,836,590,804.66 4,893,587,536.16 4,942,027,118.27 5,011,793,121.88 5,051,175,821.85 5,098,532,878.24 5,228,712,717.54 5,274,525,036.26 5,371,366,186.29 5,586,007,378.60  
  (1) TLP, gross 4,869,399,752.59 4,922,817,876.90 5,015,413,804.59 5,059,586,742.71 5,128,375,822.92 5,209,025,351.56 5,222,506,522.35 5,306,795,576.34 5,415,045,384.52 5,427,099,571.29 5,561,689,888.91 5,832,376,888.95  
  (2) Interbank Loans Receivables (IBL) 179,200,609.32 165,868,599.26 178,822,999.93 165,999,206.55 186,348,704.65 197,232,229.68 171,330,700.50 208,262,698.10 186,332,666.98 152,574,535.03 190,323,702.62 246,369,510.34  
  Net NPL Ratio 0.64 0.71 0.64 0.68 0.69 0.66 0.68 0.72 0.63 0.63 0.60 0.60  
  NPL, net of Specific ACL 31,319,955.52 35,006,712.14 32,089,735.64 34,555,368.75 35,568,800.52 34,263,544.85 35,539,804.80 38,383,527.50 33,957,743.77 34,313,852.69 33,500,939.99 34,739,485.52  
  (1) Gross NPL 138,734,550.61 141,231,999.79 138,697,938.14 140,337,900.13 141,884,625.44 139,829,548.91 141,180,903.54 145,331,659.55 138,705,674.72 139,075,095.04 137,985,150.15 134,830,591.58  
  (2) Specific ACL 107,414,595.09 106,225,287.65 106,608,202.50 105,782,531.38 106,315,824.92 105,566,004.06 105,641,098.74 106,948,132.05 104,747,930.96 104,761,242.34 104,484,210.16 100,091,106.05  
  TLP, gross  4,869,399,752.59 4,922,817,876.90 5,015,413,804.59 5,059,586,742.71 5,128,375,822.92 5,209,025,351.56 5,222,506,522.35 5,306,795,576.34 5,415,045,384.52 5,427,099,571.29 5,561,689,888.91 5,832,376,888.95  
  NPL Coverage Ratio 116.36 114.20 116.20 114.98 114.64 116.32 115.63 113.56 117.20 117.08 118.49 119.83  
  ACL - TLP 161,434,851.07 161,285,357.79 161,171,975.11 161,357,485.12 162,657,408.39 162,644,805.21 163,245,869.17 165,032,085.38 162,569,452.81 162,832,905.27 163,492,246.58 161,573,126.73  
  Gross NPL 138,734,550.61 141,231,999.79 138,697,938.14 140,337,900.13 141,884,625.44 139,829,548.91 141,180,903.54 145,331,659.55 138,705,674.72 139,075,095.04 137,985,150.15 134,830,591.58  
  NPA to Gross Assets  2.63 2.65 2.58 2.62 2.62 2.55 2.57 2.57 2.47 2.45 2.38 2.25  
  Non-Performing Assets (NPA) 267,012,230.09 268,596,150.29 265,888,828.14 267,287,626.86 268,946,981.51 267,144,843.49 268,346,121.18 271,201,120.60 262,113,416.41 260,478,683.12 258,845,383.83 255,853,348.55  
  (1) Gross NPL 138,734,550.61 141,231,999.79 138,697,938.14 140,337,900.13 141,884,625.44 139,829,548.91 141,180,903.54 145,331,659.55 138,705,674.72 139,075,095.04 137,985,150.15 134,830,591.58  
  (2) ROPA, gross 128,277,679.48 127,364,150.50 127,190,890.00 126,949,726.73 127,062,356.07 127,315,294.59 127,165,217.64 125,869,461.05 123,407,741.69 121,403,588.08 120,860,233.68 121,022,756.98  
  (a) Real and Other Properties Acquired (ROPA) 117,270,954.78 116,284,732.58 116,051,026.56 115,936,101.49 116,054,857.23 116,294,680.14 115,761,699.33 114,603,245.00 112,947,081.43 111,126,638.48 110,875,680.51 111,026,520.40  
  (b) Non-Current Assets Held for Sale 4,661,670.12 4,656,626.59 4,727,806.60 4,883,449.40 4,881,420.05 4,785,760.32 4,678,239.96 4,901,840.09 4,250,626.21 4,275,697.10 4,200,718.77 3,886,918.67  
  (c) Non-Performing Sales Contract Receivables (SCR) 6,345,054.58 6,422,791.33 6,412,056.85 6,130,175.84 6,126,078.78 6,234,854.14 6,725,278.35 6,364,375.97 6,210,034.05 6,001,252.50 5,783,834.40 6,109,317.91  
  Gross Assets 10,134,439,472.04 10,148,543,489.08 10,299,621,126.93 10,215,375,080.96 10,276,059,998.25 10,473,227,536.21 10,455,865,066.65 10,532,242,697.29 10,615,228,902.86 10,648,103,060.91 10,885,918,926.65 11,366,222,617.87  
  (1) Total Assets 9,940,432,918.34 9,954,245,397.16 10,105,267,103.77 10,020,772,746.61 10,080,111,169.46 10,277,166,151.03 10,259,298,054.21 10,333,905,499.64 10,419,962,837.96 10,452,611,899.43 10,689,741,170.36 11,168,982,198.92  
  (2) Allowance on NPA 194,006,553.71 194,298,091.92 194,354,023.16 194,602,334.35 195,948,828.78 196,061,385.18 196,567,012.45 198,337,197.65 195,266,064.90 195,491,161.48 196,177,756.30 197,240,418.95  
  NPA Coverage Ratio 72.66 72.34 73.10 72.81 72.86 73.39 73.25 73.13 74.50 75.05 75.79 77.09  
  Allowance on NPA 194,006,553.71 194,298,091.92 194,354,023.16 194,602,334.35 195,948,828.78 196,061,385.18 196,567,012.45 198,337,197.65 195,266,064.90 195,491,161.48 196,177,756.30 197,240,418.95  
  NPA 267,012,230.09 268,596,150.29 265,888,828.14 267,287,626.86 268,946,981.51 267,144,843.49 268,346,121.18 271,201,120.60 262,113,416.41 260,478,683.12 258,845,383.83 255,853,348.55  
  Distressed Assets Ratio 5.72 5.69 5.54 5.60 5.56 5.45 5.45 5.43 5.10 5.07 4.93 4.63  
  Distressed Assets 286,433,382.06 288,015,786.73 285,399,913.03 291,062,708.95 292,898,019.09 291,383,536.01 292,394,086.70 295,363,592.55 282,944,322.52 281,901,874.87 280,959,366.08 276,203,375.32  
  NPA 267,012,230.09 268,596,150.29 265,888,828.14 267,287,626.86 268,946,981.51 267,144,843.49 268,346,121.18 271,201,120.60 262,113,416.41 260,478,683.12 258,845,383.83 255,853,348.55  
  RL, Performing 19,421,151.97 19,419,636.44 19,511,084.89 23,775,082.09 23,951,037.58 24,238,692.51 24,047,965.51 24,162,471.94 20,830,906.11 21,423,191.75 22,113,982.25 20,350,026.77  
  TLP, gross  4,869,399,752.59 4,922,817,876.90 5,015,413,804.59 5,059,586,742.71 5,128,375,822.92 5,209,025,351.56 5,222,506,522.35 5,306,795,576.34 5,415,045,384.52 5,427,099,571.29 5,561,689,888.91 5,832,376,888.95  
  Total ROPA 140,844,448.77 139,908,031.34 139,609,705.45 139,257,651.17 139,012,316.05 138,913,320.69 138,061,096.78 137,020,151.64 135,267,873.11 133,230,131.69 132,723,621.98 132,945,499.26  
  (1) ROPA, gross 128,277,679.48 127,364,150.50 127,190,890.00 126,949,726.73 127,062,356.07 127,315,294.59 127,165,217.64 125,869,461.05 123,407,741.69 121,403,588.08 120,860,233.68 121,022,756.98  
  (2) Performing SCR 12,566,769.30 12,543,880.85 12,418,815.45 12,307,924.44 11,949,959.98 11,598,026.11 10,895,879.14 11,150,690.59 11,860,131.42 11,826,543.61 11,863,388.30 11,922,742.29  
  LIQUIDITY RATIOS  
  (1) Cash and Due from Banks to Deposits 32.57 32.18 31.54 30.33 30.14 30.56 30.34 29.66 29.02 28.43 28.03 29.08  
  Cash and Due from Banks   2,497,655,471.97 2,462,015,213.76 2,438,533,055.96 2,329,738,883.79 2,323,968,792.22 2,413,700,788.17 2,400,822,052.11 2,353,411,937.72 2,326,520,641.92 2,283,422,742.52 2,290,330,067.66 2,478,899,351.17  
  Deposits 7,668,017,683.00 7,649,912,949.96 7,732,753,154.72 7,682,117,711.52 7,709,524,860.72 7,897,392,309.57 7,911,837,262.79 7,933,585,772.78 8,016,765,853.28 8,030,426,798.44 8,171,815,769.60 8,524,552,664.92  
  (2) Liquid Assets to Deposits Ratio 59.01 58.67 58.58 57.33 57.24 57.05 56.76 56.36 55.49 55.34 55.50 55.67  
  Liquid Assets, sum of: 4,524,620,393.21 4,488,074,819.10 4,530,187,791.03 4,404,050,975.70 4,412,609,021.61 4,505,496,694.55 4,490,976,358.50 4,471,614,733.10 4,448,709,970.14 4,444,322,136.98 4,535,317,058.59 4,745,584,141.32  
  (1) Cash and Due from Banks 2,497,655,471.97 2,462,015,213.76 2,438,533,055.96 2,329,738,883.79 2,323,968,792.22 2,413,700,788.17 2,400,822,052.11 2,353,411,937.72 2,326,520,641.92 2,283,422,742.52 2,290,330,067.66 2,478,899,351.17  
  (2) Financial Assets, net (excl. equity investments) 2,026,964,921.23 2,026,059,605.34 2,091,654,735.07 2,074,312,091.91 2,088,640,229.39 2,091,795,906.38 2,090,154,306.40 2,118,202,795.37 2,122,189,328.22 2,160,899,394.46 2,244,986,990.92 2,266,684,790.15  
  Deposits 7,668,017,683.00 7,649,912,949.96 7,732,753,154.72 7,682,117,711.52 7,709,524,860.72 7,897,392,309.57 7,911,837,262.79 7,933,585,772.78 8,016,765,853.28 8,030,426,798.44 8,171,815,769.60 8,524,552,664.92  
  (3) Loans (gross) to Deposits 63.50 64.35 64.86 65.86 66.52 65.96 66.01 66.89 67.55 67.58 68.06 68.42  
  Loans (gross) 4,869,399,752.59 4,922,817,876.90 5,015,413,804.59 5,059,586,742.71 5,128,375,822.92 5,209,025,351.56 5,222,506,522.35 5,306,795,576.34 5,415,045,384.52 5,427,099,571.29 5,561,689,888.91 5,832,376,888.95  
  Deposits 7,668,017,683.00 7,649,912,949.96 7,732,753,154.72 7,682,117,711.52 7,709,524,860.72 7,897,392,309.57 7,911,837,262.79 7,933,585,772.78 8,016,765,853.28 8,030,426,798.44 8,171,815,769.60 8,524,552,664.92  
  SELECTED PROFITABILITY RATIOS  
  (1)  Return on Assets (ROA) 1.25 1.17 1.18 1.28  
  Annualized Net Profit or Loss  113,645,878.76 110,797,163.47 114,910,101.90 135,566,991.44  
  Average Assets 9,112,357,563.70 9,446,848,033.77 9,777,283,697.54 10,569,910,651.56  
  Total Assets (last year) 8,119,448,023.62 8,616,529,916.52 9,134,604,557.11 9,970,839,104.20  
  Total Assets (current year) 10,105,267,103.77 10,277,166,151.03 10,419,962,837.96 11,168,982,198.92  
  (2) Return on Equity (ROE) 9.71 9.54 9.67 10.88  
  Annualized Net Profit or Loss  113,645,878.76 110,797,163.47 114,910,101.90 135,566,991.44  
  Average Capital 1,170,373,405.73 1,161,695,483.35 1,187,919,068.22 1,246,048,341.05  
  Total Capital (last year) 1,169,401,618.23 1,117,383,528.46 1,134,428,956.98 1,125,807,479.39  
  Total Capital (current year) 1,171,345,193.22 1,206,007,438.24 1,241,409,179.46 1,366,289,202.70  
  (3) Earning Asset Yield 4.54 4.49 4.45 4.24  
  Annualized Interest Income 377,231,371.10 389,174,251.04 400,499,503.72 411,740,844.99  
  Average Earning Assets 8,310,579,438.15 8,669,288,490.71 9,008,024,256.37 9,721,294,973.37  
  Earning Assets (last year) 7,282,686,178.68 7,826,138,299.80 8,371,007,300.75 9,188,977,506.55  
  Earning Assets (current year) 9,338,472,697.62 9,512,438,681.63 9,645,041,211.99 10,253,612,440.20  
  (4) Funding Cost 1.18 1.10 1.09 1.02  
  Annualized Interest Expense 86,574,390.62 85,244,008.19 87,588,849.91 89,866,876.16  
  Average Interest Bearing Liabilities 7,359,513,362.93 7,738,838,640.38 8,054,038,831.75 8,776,203,980.54  
  Interest Bearing Liabilities (last year) 6,364,843,753.94 6,969,607,945.66 7,447,745,604.88 8,278,861,549.34  
  Interest Bearing Liabilities (current year) 8,354,182,971.92 8,508,069,335.10 8,660,332,058.61 9,273,546,411.74  
  (5) Interest Spread 3.36 3.39 3.36 3.21  
  (3) Earning Asset Yield 4.54 4.49 4.45 4.24  
  (4) Funding Cost 1.18 1.10 1.09 1.02  
  (6) Net Interest Margin 3.49 3.50 3.47 3.31  
  Annualized Net Interest Income 290,187,475.02 303,592,917.20 312,597,449.51 321,420,340.79  
  Average Earning Assets 8,310,579,438.15 8,669,288,490.71 9,008,024,256.37 9,721,294,973.37  
  (7) Cost to Income Ratio 64.74 65.03 64.56 62.40  
  Annualized Non-Interest Expenses 271,617,043.25 276,771,237.41 284,437,006.17 291,450,660.08  
  Annualized Total Operating Income 419,572,068.85 425,623,758.44 440,609,284.08 467,053,073.29  
  (8) Net Interest Income to Total Operating Income 69.16 71.33 70.95 68.82  
  Annualized Net Interest Income  290,187,475.02 303,592,917.20 312,597,449.51 321,420,340.79  
  Annualized Total Operating Income 419,572,068.85 425,623,758.44 440,609,284.08 467,053,073.29  
  (9) Non-interest Income to Total Operating Income 30.84 28.67 29.05 31.18  
  Annualized Non-Interest Income 129,384,593.83 122,030,841.24 128,011,834.57 145,632,732.50  
  Annualized Total Operating Income 419,572,068.85 425,623,758.44 440,609,284.08 467,053,073.29  
  CAPITAL ADEQUACY  
  Capital Adequacy Ratio - Solo 15.60 16.06 16.44 15.61  
  Total Capital Accounts to Total Assets 11.21 11.60 11.59 11.74 12.00 11.74 11.95 11.95 11.92 12.37 12.56 12.24