64   CONSOLIDATED STATEMENT OF INCOME AND EXPENSES
Non-Banks with Quasi Banking Functions
for the periods indicated
in billion pesos
	Selected Accounts			TOTAL NBQB				INVESTMENT HOUSES				FINANCING COMPANIES
				Mar-18	Jun-18	Sep-18		Mar-18	Jun-18	Sep-18		Mar-18	Jun-18	Sep-18
		OPERATING INCOME		6.214	12.839	19.475		0.439	1.091	1.856		5.775	11.747	17.619
			Net Interest Income	5.012	10.152	15.503		0.110	0.197	0.290		4.902	9.954	15.214
			Interest Income	0.333	0.641	0.970		0.301	0.567	0.840		0.032	0.074	0.130
			Leasing Income	6.402	13.057	20.018		0.000	0.000	0.000		6.402	13.057	20.018
			Less: Interest Expense	1.723	3.547	5.484		0.191	0.370	0.550		1.532	3.177	4.934
			Non-Interest Income	1.202	2.687	3.971		0.329	0.894	1.566		0.873	1.793	2.405
			Fee-based Income	1.086	2.543	3.382		0.276	0.883	1.236		0.810	1.660	2.146
			Trading Income/(Loss)	(0.097)	(0.233)	(0.272)		(0.100)	(0.244)	(0.291)		0.002	0.011	0.019
			Trust Department	0.000	0.000	0.000		0.000	0.000	0.000		0.000	0.000	0.000
			Other Income/(Loss)	0.213	0.377	0.861		0.153	0.255	0.621		0.060	0.122	0.239
		OPERATING EXPENSES		3.959	7.980	11.809		0.456	0.897	1.344		3.503	7.083	10.465
			Bad Debts Written Off	0.122	0.210	0.316		0.000	0.000	0.000		0.122	0.210	0.316
			Provisions	1.303	2.638	3.988		0.000	0.001	0.001		1.303	2.637	3.987
			Other Operating Expenses	2.534	5.133	7.505		0.456	0.896	1.344		2.078	4.237	6.162
			Overhead Costs	1.775	3.574	5.120		0.333	0.620	0.885		1.443	2.954	4.234
			Other Expenses	0.758	1.559	2.386		0.123	0.276	0.458		0.635	1.283	1.927
		NET OPERATING INCOME (LOSS)		2.255	4.859	7.666		(0.017)	0.194	0.511		2.272	4.664	7.154
		EXTRAORDINARY CREDITS/(CHARGES)		0.561	0.774	0.950		0.441	0.502	0.510		0.121	0.272	0.441
		NET INCOME/(LOSS) BEFORE TAX		2.816	5.632	8.616		0.424	0.696	1.021		2.392	4.936	7.595
			Provision for Income Tax	0.855	1.737	2.572		0.152	0.275	0.331		0.703	1.462	2.241
		NET INCOME/(LOSS) AFTER TAX		1.961	3.895	6.044		0.272	0.421	0.690		1.689	3.474	5.354
	Note: Details may not add up to totals due to rounding-off
	Source : Supervisory Data Center, Supervision and Examination Sector, Bangko Sentral ng Pilipinas
	Updated as of 26 November 2018