7 Selected Performance Indicators                          
                             
                             
  Philippine Banking System                          
  as of end of periods indicated                          
  amounts in thousand Pesos, ratios in percent (%)                          
                             
   
  Selected Accounts Jan-15 Feb-15 Mar-15 Apr-15 May-15 Jun-15 Jul-15 Aug-15 Sep-15 Oct-15 Nov-15 Dec-15  
   
  ASSET QUALITY RATIOS:   
  Past Due Ratio 2.79 2.94 2.88 2.81 2.73 2.64 2.65 2.64 2.57 2.51 2.52 2.30  
  Past Due Loans 157,046,595.23 165,018,616.64 164,875,163.99 161,832,879.95 157,002,387.32 155,203,861.45 155,609,230.45 157,675,359.34 155,236,215.88 154,566,268.43 157,046,282.01 150,073,613.36  
  Total Loan Portfolio (TLP), gross  5,635,043,799.07 5,617,708,431.85 5,732,039,744.07 5,750,510,358.33 5,744,473,604.00 5,868,422,553.12 5,875,946,850.01 5,979,567,737.73 6,034,462,070.92 6,146,458,762.85 6,243,367,830.51 6,527,267,207.96  
  RL to TLP 0.63 0.62 0.62 0.61 0.61 0.60 0.60 0.56 0.58 0.56 0.54 0.53  
  Restructured Loans (RL), gross 35,546,695.60 34,652,040.56 35,428,818.71 35,152,742.75 34,856,802.93 35,252,217.49 35,070,209.35 33,553,405.93 35,136,945.60 34,293,124.39 33,608,100.89 34,452,672.04  
  TLP, gross  5,635,043,799.07 5,617,708,431.85 5,732,039,744.07 5,750,510,358.33 5,744,473,604.00 5,868,422,553.12 5,875,946,850.01 5,979,567,737.73 6,034,462,070.92 6,146,458,762.85 6,243,367,830.51 6,527,267,207.96  
  Loan Loss Reserves (LLR) to TLP 2.88 2.92 2.87 2.89 2.92 2.82 2.84 2.81 2.72 2.69 2.66 2.48  
  Allowance for Credit Losses (ACL) - TLP 162,140,370.66 164,115,156.98 164,649,474.85 166,046,004.98 167,716,911.08 165,290,373.31 166,978,287.03 168,309,747.15 164,322,060.67 165,206,634.39 165,785,181.07 161,646,000.21  
  TLP, gross  5,635,043,799.07 5,617,708,431.85 5,732,039,744.07 5,750,510,358.33 5,744,473,604.00 5,868,422,553.12 5,875,946,850.01 5,979,567,737.73 6,034,462,070.92 6,146,458,762.85 6,243,367,830.51 6,527,267,207.96  
  Gross NPL Ratio 2.49 2.49 2.47 2.47 2.45 2.36 2.41 2.38 2.32 2.26 2.27 2.09  
  Gross Non-Performing Loans (NPL) 140,327,258.12 139,848,257.01 141,414,817.08 141,997,278.98 140,964,167.01 138,329,809.74 141,431,460.76 142,274,009.77 139,740,957.12 138,821,203.71 141,425,992.45 136,503,581.06  
  TLP, gross  5,635,043,799.07 5,617,708,431.85 5,732,039,744.07 5,750,510,358.33 5,744,473,604.00 5,868,422,553.12 5,875,946,850.01 5,979,567,737.73 6,034,462,070.92 6,146,458,762.85 6,243,367,830.51 6,527,267,207.96  
  Gross NPL Ratio, net of IBL 2.56 2.56 2.53 2.53 2.50 2.41 2.46 2.43 2.36 2.31 2.32 2.15  
  Gross NPL, net of NP IBL 139,414,630.05 138,935,304.78 140,526,384.05 141,135,819.29 140,119,337.23 137,485,883.24 140,587,332.48 141,430,672.32 138,896,919.22 137,990,144.42 140,594,691.42 135,687,166.55  
  (1) Gross NPL 140,327,258.12 139,848,257.01 141,414,817.08 141,997,278.98 140,964,167.01 138,329,809.74 141,431,460.76 142,274,009.77 139,740,957.12 138,821,203.71 141,425,992.45 136,503,581.06  
  (2) Non-performing IBL 912,628.07 912,952.22 888,433.04 861,459.69 844,829.78 843,926.50 844,128.28 843,337.45 844,037.89 831,059.30 831,301.03 816,414.51  
  TLP, gross net of IBL 5,445,671,601.36 5,435,328,367.48 5,558,957,010.86 5,588,965,894.15 5,606,312,789.99 5,708,064,204.33 5,719,939,587.48 5,810,317,279.89 5,876,967,359.58 5,968,285,442.12 6,069,491,663.18 6,312,690,248.91  
  (1) TLP, gross 5,635,043,799.07 5,617,708,431.85 5,732,039,744.07 5,750,510,358.33 5,744,473,604.00 5,868,422,553.12 5,875,946,850.01 5,979,567,737.73 6,034,462,070.92 6,146,458,762.85 6,243,367,830.51 6,527,267,207.96  
  (2) Interbank Loans Receivables (IBL) 189,372,197.71 182,380,064.38 173,082,733.21 161,544,464.18 138,160,814.00 160,358,348.79 156,007,262.53 169,250,457.84 157,494,711.35 178,173,320.72 173,876,167.33 214,576,959.05  
  Net NPL Ratio 0.70 0.65 0.67 0.66 0.62 0.61 0.66 0.66 0.63 0.62 0.66 0.64  
  NPL, net of Specific ACL 39,523,413.40 36,624,665.12 38,615,706.23 38,108,832.81 35,703,654.64 35,997,934.80 38,935,426.48 39,543,815.96 38,303,394.15 38,198,383.96 41,175,823.23 41,877,530.36  
  (1) Gross NPL 140,327,258.12 139,848,257.01 141,414,817.08 141,997,278.98 140,964,167.01 138,329,809.74 141,431,460.76 142,274,009.77 139,740,957.12 138,821,203.71 141,425,992.45 136,503,581.06  
  (2) Specific ACL 100,803,844.71 103,223,591.89 102,799,110.85 103,888,446.17 105,260,512.37 102,331,874.94 102,496,034.28 102,730,193.81 101,437,562.97 100,622,819.75 100,250,169.22 94,626,050.70  
  TLP, gross  5,635,043,799.07 5,617,708,431.85 5,732,039,744.07 5,750,510,358.33 5,744,473,604.00 5,868,422,553.12 5,875,946,850.01 5,979,567,737.73 6,034,462,070.92 6,146,458,762.85 6,243,367,830.51 6,527,267,207.96  
  NPL Coverage Ratio 115.54 117.35 116.43 116.94 118.98 119.49 118.06 118.30 117.59 119.01 117.22 118.42  
  ACL - TLP 162,140,370.66 164,115,156.98 164,649,474.85 166,046,004.98 167,716,911.08 165,290,373.31 166,978,287.03 168,309,747.15 164,322,060.67 165,206,634.39 165,785,181.07 161,646,000.21  
  Gross NPL 140,327,258.12 139,848,257.01 141,414,817.08 141,997,278.98 140,964,167.01 138,329,809.74 141,431,460.76 142,274,009.77 139,740,957.12 138,821,203.71 141,425,992.45 136,503,581.06  
  NPA to Gross Assets  2.38 2.36 2.33 2.35 2.32 2.26 2.26 2.22 2.16 2.15 2.15 2.04  
  Non-Performing Assets (NPA) 262,116,388.23 261,452,841.53 262,232,118.91 262,290,445.55 259,633,195.44 256,669,449.67 259,229,596.77 256,853,624.49 253,878,093.34 252,832,493.77 256,121,638.70 250,082,464.84  
  (1) Gross NPL 140,327,258.12 139,848,257.01 141,414,817.08 141,997,278.98 140,964,167.01 138,329,809.74 141,431,460.76 142,274,009.77 139,740,957.12 138,821,203.71 141,425,992.45 136,503,581.06  
  (2) ROPA, gross 121,789,130.11 121,604,584.52 120,817,301.83 120,293,166.57 118,669,028.44 118,339,639.93 117,798,136.01 114,579,614.72 114,137,136.22 114,011,290.06 114,695,646.24 113,578,883.78  
  (a) Real and Other Properties Acquired (ROPA) 111,364,655.47 111,405,668.73 110,752,505.67 110,110,938.48 108,355,611.47 107,946,981.64 107,515,102.25 104,440,082.00 104,491,555.92 104,468,742.76 105,044,140.10 103,821,088.15  
  (b) Non-Current Assets Held for Sale 4,022,041.72 3,608,063.60 3,418,648.91 3,353,484.51 3,874,986.40 3,764,846.68 3,619,048.01 3,563,137.92 3,155,727.76 3,154,484.79 3,331,497.74 3,108,582.07  
  (c) Non-Performing Sales Contract Receivables (SCR) 6,402,432.92 6,590,852.19 6,646,147.25 6,828,743.57 6,438,430.57 6,627,811.61 6,663,985.76 6,576,394.80 6,489,852.55 6,388,062.51 6,320,008.41 6,649,213.56  
  Gross Assets 11,028,787,025.07 11,060,042,857.92 11,232,071,622.00 11,138,069,488.79 11,201,202,394.36 11,374,295,810.70 11,459,136,033.25 11,564,898,852.70 11,742,100,843.37 11,744,832,698.04 11,902,128,349.43 12,282,523,576.55  
  (1) Total Assets 10,830,795,393.49 10,862,934,122.18 11,034,461,261.85 10,939,068,125.73 11,000,465,979.68 11,176,245,994.07 11,259,498,565.13 11,365,191,180.11 11,546,180,969.81 11,548,281,024.35 11,704,411,244.57 12,089,143,639.98  
  (2) Allowance on NPA 197,991,631.58 197,108,735.74 197,610,360.15 199,001,363.06 200,736,414.68 198,049,816.63 199,637,468.12 199,707,672.59 195,919,873.56 196,551,673.69 197,717,104.86 193,379,936.57  
  NPA Coverage Ratio 75.54 75.39 75.36 75.87 77.32 77.16 77.01 77.75 77.17 77.74 77.20 77.33  
  Allowance on NPA 197,991,631.58 197,108,735.74 197,610,360.15 199,001,363.06 200,736,414.68 198,049,816.63 199,637,468.12 199,707,672.59 195,919,873.56 196,551,673.69 197,717,104.86 193,379,936.57  
  NPA 262,116,388.23 261,452,841.53 262,232,118.91 262,290,445.55 259,633,195.44 256,669,449.67 259,229,596.77 256,853,624.49 253,878,093.34 252,832,493.77 256,121,638.70 250,082,464.84  
  Distressed Assets Ratio 4.89 4.89 4.81 4.78 4.73 4.59 4.62 4.50 4.42 4.32 4.29 4.03  
  Distressed Assets 282,096,532.20 281,202,696.03 281,859,173.39 281,405,073.96 277,803,682.89 275,242,190.35 277,305,651.11 274,661,753.17 272,451,713.55 270,727,773.98 273,069,706.19 268,008,310.26  
  NPA 262,116,388.23 261,452,841.53 262,232,118.91 262,290,445.55 259,633,195.44 256,669,449.67 259,229,596.77 256,853,624.49 253,878,093.34 252,832,493.77 256,121,638.70 250,082,464.84  
  RL, Performing 19,980,143.98 19,749,854.50 19,627,054.48 19,114,628.41 18,170,487.45 18,572,740.68 18,076,054.34 17,808,128.68 18,573,620.22 17,895,280.21 16,948,067.49 17,925,845.42  
  TLP, gross  5,635,043,799.07 5,617,708,431.85 5,732,039,744.07 5,750,510,358.33 5,744,473,604.00 5,868,422,553.12 5,875,946,850.01 5,979,567,737.73 6,034,462,070.92 6,146,458,762.85 6,243,367,830.51 6,527,267,207.96  
  Total ROPA 133,208,662.08 133,017,456.84 132,528,245.75 132,278,477.99 130,587,940.05 129,978,937.06 129,275,335.11 125,802,070.41 125,311,611.91 125,174,294.58 125,790,257.52 125,147,265.35  
  (1) ROPA, gross 121,789,130.11 121,604,584.52 120,817,301.83 120,293,166.57 118,669,028.44 118,339,639.93 117,798,136.01 114,579,614.72 114,137,136.22 114,011,290.06 114,695,646.24 113,578,883.78  
  (2) Performing SCR 11,419,531.97 11,412,872.32 11,710,943.92 11,985,311.42 11,918,911.62 11,639,297.14 11,477,199.10 11,222,455.69 11,174,475.69 11,163,004.52 11,094,611.28 11,568,381.57  
  LIQUIDITY RATIOS  
  (1) Cash and Due from Banks to Deposits 28.04 28.41 28.13 26.85 27.02 27.33 27.15 26.24 27.02 26.11 25.99 26.79  
  Cash and Due from Banks   2,333,584,768.65 2,369,132,067.71 2,388,729,272.34 2,257,657,095.90 2,280,470,747.82 2,349,892,084.88 2,335,748,933.77 2,276,550,417.15 2,374,900,479.77 2,297,738,552.36 2,313,789,253.28 2,473,059,389.66  
  Deposits 8,321,292,711.65 8,340,378,879.86 8,491,377,673.38 8,409,179,680.53 8,439,881,016.65 8,596,997,405.43 8,602,061,719.38 8,677,186,058.92 8,790,350,352.01 8,800,833,269.91 8,901,496,716.17 9,231,344,132.56  
  (2) Liquid Assets to Deposits Ratio 55.34 55.76 55.33 54.65 55.18 54.99 55.53 55.09 55.74 54.46 54.16 53.58  
  Liquid Assets, sum of: 4,604,664,064.83 4,650,370,137.27 4,697,979,573.81 4,595,329,809.87 4,656,920,516.05 4,727,075,828.49 4,776,602,935.18 4,780,099,422.10 4,899,415,069.26 4,792,869,717.18 4,821,234,571.17 4,946,219,301.88  
  (1) Cash and Due from Banks 2,333,584,768.65 2,369,132,067.71 2,388,729,272.34 2,257,657,095.90 2,280,470,747.82 2,349,892,084.88 2,335,748,933.77 2,276,550,417.15 2,374,900,479.77 2,297,738,552.36 2,313,789,253.28 2,473,059,389.66  
  (2) Financial Assets, net (excl. equity investments) 2,271,079,296.18 2,281,238,069.57 2,309,250,301.47 2,337,672,713.98 2,376,449,768.22 2,377,183,743.61 2,440,854,001.41 2,503,549,004.95 2,524,514,589.49 2,495,131,164.81 2,507,445,317.89 2,473,159,912.22  
  Deposits 8,321,292,711.65 8,340,378,879.86 8,491,377,673.38 8,409,179,680.53 8,439,881,016.65 8,596,997,405.43 8,602,061,719.38 8,677,186,058.92 8,790,350,352.01 8,800,833,269.91 8,901,496,716.17 9,231,344,132.56  
  (3) Loans (gross) to Deposits 67.72 67.36 67.50 68.38 68.06 68.26 68.31 68.91 68.65 69.84 70.14 70.71  
  Loans (gross) 5,635,043,799.07 5,617,708,431.85 5,732,039,744.07 5,750,510,358.33 5,744,473,604.00 5,868,422,553.12 5,875,946,850.01 5,979,567,737.73 6,034,462,070.92 6,146,458,762.85 6,243,367,830.51 6,527,267,207.96  
  Deposits 8,321,292,711.65 8,340,378,879.86 8,491,377,673.38 8,409,179,680.53 8,439,881,016.65 8,596,997,405.43 8,602,061,719.38 8,677,186,058.92 8,790,350,352.01 8,800,833,269.91 8,901,496,716.17 9,231,344,132.56  
  SELECTED PROFITABILITY RATIOS  
  (1)  Return on Assets (ROA) 1.33 1.31 1.25 1.16  
  Annualized Net Profit or Loss  140,269,361.14 140,378,972.20 137,201,456.28 135,341,168.41  
  Average Assets 10,569,864,182.81 10,726,706,072.55 10,983,071,903.88 11,629,062,919.45  
  Total Assets (last year) 10,105,267,103.77 10,277,166,151.03 10,419,962,837.96 11,168,982,198.92  
  Total Assets (current year) 11,034,461,261.85 11,176,245,994.07 11,546,180,969.81 12,089,143,639.98  
  (2) Return on Equity (ROE) 11.05 10.67 10.08 9.77  
  Annualized Net Profit or Loss  140,269,361.14 140,378,972.20 137,201,456.28 135,341,168.41  
  Average Capital 1,269,261,588.41 1,315,752,472.46 1,360,858,817.85 1,384,928,590.83  
  Total Capital (last year) 1,171,345,193.22 1,206,007,438.24 1,241,409,179.46 1,366,289,202.70  
  Total Capital (current year) 1,367,177,983.60 1,425,497,506.67 1,480,308,456.24 1,403,567,978.96  
  (3) Earning Asset Yield 4.31 4.31 4.31 4.22  
  Annualized Interest Income 419,905,880.27 428,689,740.32 439,106,967.44 452,507,142.03  
  Average Earning Assets 9,752,618,296.20 9,942,809,332.24 10,177,140,417.36 10,724,398,351.58  
  Earning Assets (last year) 9,338,472,697.62 9,512,438,681.63 9,645,041,211.99 10,253,612,440.20  
  Earning Assets (current year) 10,166,763,894.77 10,373,179,982.84 10,709,239,622.72 11,195,184,262.96  
  (4) Funding Cost 1.06 1.09 1.10 1.06  
  Annualized Interest Expense 92,976,623.96 96,649,316.49 99,757,989.93 103,024,455.76  
  Average Interest Bearing Liabilities 8,743,762,876.62 8,881,331,455.58 9,093,192,315.27 9,686,808,435.22  
  Interest Bearing Liabilities (last year) 8,354,182,971.92 8,508,069,335.10 8,660,332,058.61 9,273,546,411.74  
  Interest Bearing Liabilities (current year) 9,133,342,781.33 9,254,593,576.06 9,526,052,571.93 10,100,070,458.70  
  (5) Interest Spread 3.24 3.22 3.22 3.16  
  (3) Earning Asset Yield 4.31 4.31 4.31 4.22  
  (4) Funding Cost 1.06 1.09 1.10 1.06  
  (6) Net Interest Margin 3.35 3.34 3.33 3.26  
  Annualized Net Interest Income 326,571,265.31 331,690,567.64 339,003,373.95 349,148,837.94  
  Average Earning Assets 9,752,618,296.20 9,942,809,332.24 10,177,140,417.36 10,724,398,351.58  
  (7) Cost to Income Ratio 62.13 62.27 63.08 64.47  
  Annualized Non-Interest Expenses 297,789,516.38 301,578,637.30 304,831,044.84 309,252,237.50  
  Annualized Total Operating Income 479,263,278.01 484,313,184.99 483,266,466.06 479,670,165.85  
  (8) Net Interest Income to Total Operating Income 68.14 68.49 70.15 72.79  
  Annualized Net Interest Income  326,571,265.31 331,690,567.64 339,003,373.95 349,148,837.94  
  Annualized Total Operating Income 479,263,278.01 484,313,184.99 483,266,466.06 479,670,165.85  
  (9) Non-interest Income to Total Operating Income 31.86 31.51 29.85 27.21  
  Annualized Non-Interest Income 152,692,012.70 152,622,617.35 144,263,092.11 130,521,327.91  
  Annualized Total Operating Income 479,263,278.01 484,313,184.99 483,266,466.06 479,670,165.85  
  CAPITAL ADEQUACY  
  Capital Adequacy Ratio - Solo 15.48 15.80 15.82 15.25  
  Total Capital Accounts to Total Assets 12.89 12.73 12.40 13.05 13.05 12.76 12.95 12.90 12.83 13.07 12.75 11.62