The Philippine Banking System

Financial Supervision Sector Supervisory Data Center

FFAACCTTBBOOOOKK The Philippine Banking System

2017 VOLUME I TABLE OF CONTENTS (2017 Fact Book – Volume 1)

Part I. Highlights on the Philippine Banking System ………………………………………………………………………. I. 1

Part II. Industry Profile of the Philippine Banking System

1. Physical Network a. Number of Offices by Type of Bank Group (2008 – 2017) …………………………………………… II. 1 b. Number of Offices by Type and Location (as of 31 December 2017) ……………………………. II. 2 c. Number of Automated Teller Machines (2008 – 2017) ………………………………………………. II. 4 d. Changes in the Philippine Banking Network (for the year 2017) …………………………………… II. 5

2. Balance Sheet (2013 – 2017) The Philippine Banking System ……………….…………………………………………………………………. II. 6 a. Universal and Commercial Banks ………………………………………………………………………... II. 7 i. Classified by Nature of Operation a. Universal Banks …………………………………………………………………………………… II. 8 b. Commercial Banks ……………………………………………………………………………… II. 9 ii. Classified by Ownership a. Private Domestic Banks ………………………………………………………………………… II. 10 b. Government Banks ……………………………………………………………………………… II. 11 c. Foreign Bank Branches …………………………………………………………………………. II. 12 d. Foreign Bank Subsidiaries ………………………………………………………………………. II. 13 b. Thrift Banks …………………………………………………………………………………………………….. II. 14 c. Rural and Cooperative Banks …………………………………………………………………………….. II. 15

3. Published Balance Sheet (as of 31 December 2017) Universal, Commercial and Thrift Banks ………………………...…………………………………………… .. II. 16 a. Universal and Commercial Banks ………………………………………………………………………… II. 18 b. Thrift Banks …………………………………………………………………………………………………….. II. 48

4. Income Statement (2013 – 2017) The Philippine Banking System ………………. ………………………………………………………………… II. 76 a. Universal and Commercial Banks ………………………………………………………………………... II. 77 i. Classified by Nature of Operations a. Universal Banks …………………………………………………………………………………... II. 78 b. Commercial Banks ……………………………………………………………………………… II. 79 ii. Classified by Ownership a. Private Domestic Banks ………………………………………………………………………... II. 80 b. Government Banks ……………………………………………………………………………... II. 81 c. Foreign Bank Branches ………………………………………………………………………… II. 82 d. Foreign Bank Subsidiaries ……………………………………………………………………… II. 83 b. Thrift Banks ……………………………………………………………………………………………………. II. 84 c. Rural and Cooperative Banks …………………………………………………………………………….. II. 85

5. Summary Report on Compliance with Agri-Agra Reform Credit (2013 – 2017) The Philippine Banking Sy stem ………………. ………………………………………………………………… II. 86 a. Universal and Commercial Banks ………………………………………………………………………... II. 87 b. Thrift Banks ……………………………………………………………………………………………………. II. 88 c. Rural and Cooperative Banks …………………………………………………………………………… .. II. 89

TABLE OF CONTENTS (2017 Fact Book – Vol. 1)

6. Summary Report on Compliance with Small and Medium Enterprise Credit (2013-2017) The Philippine Banking System ………………..………………………………………………………………… II. 90 a. Universal and Commercial Banks ... ……………………………………………………………………... II. 91 b. Thrift Banks ……………………………………………………………………………………………………. II. 92 c. Rural and Cooperative Banks ……………………………………………………………………………. II. 93

7. Philippine Foreign Currency Deposit System Balance Sheet (2013-2017) The Philippine Banking System ………………..………………………………………………………………… II. 94 a. Universal and Commercial Banks ………………………………………………………………………... II. 95 b. Thrift Banks …………………………………………………………………………………………………….. II. 96

8. Trust and Fund Management Operations (2015-2017) The Philippine Banking System ………………...……………………………….……………………………….. II. 97 a. Universal and Commercial Banks ………………………………………………………………………... II. 98 b. Thrift Banks …………………………………………………………………………………………………….. II. 99

Part III. Directory of the Philippine Banking System

1. Directory of Head Offices of the Banking System (as of December 31, 2017) a. Universal and Commercial Banks …………………… .………………………………………………….. III. 1 b. Thrift Banks …… .…………………………………….………………………………………………………… III. 2 c. Rural and Cooperative Banks …………………………..………………………………………………… III. 3

2. Overseas Offices of Universal and Commercial Banks (as of December 31, 2017) …………………. III. 20

3. Offshore Banking Units (as of December 31, 2017) ………………………………………………………… III. 22

4. Banking Industry Associations (as of December 31, 2017) ………………………………………………… III. 23

Part I

Highlights on the Philippine Banking System

HIGHLIGHTS ON THE PHILIPPINE BANKING SYSTEM

Domestic Offices Overseas Offices Total of Philippine Head Offices Other Offices Banks 1/ A. Number of Banking Offices 11,793 587 11,157 49

Increase/(Decrease) 2017 2016 Amount Percent (%) B. Balance Sheet Accounts (in P Billion) Total Assets 15,166 13,591 1,575 11.59 Cash and Due from banks 2,713 2,766 (52) (1.89) Financial Assets, gross (net of amortization) 2,915 2,595 319 12.30 Accumulated Market Gains/Losses (10) (6) (4) 78.56 Allowance for Credit Losses 24 25 (1) (5.37) Financial Assets, net 2,881 2,565 316 12.33 Loans, gross 2/ 8,866 7,612 1,253 16.47 Allowance for probable losses 184 173 11 6.61 Loans, net (inclusive of Interbank Loans) 8,681 7,439 1,242 16.70 Equity Investments, gross 254 241 13 5.39 Allowance for probable losses 1 2 (1) (50.00) Equity Investments, net 254 239 14 6.02 Real and Other Properties Acquired, net 92 91 1 0.93 Other assets 544 490 54 10.94 Total Liabilities and Capital Accounts 15,166 13,591 1,575 11.59 Total Liabilities 13,409 12,043 1,366 11.34 Financial Liabilities Held for Trading 33 36 (4) (9.88) Financial Liabilities Designated at Fair Value through Profit or Loss 0 0 0 Deposit Liabilities 11,727 10,507 1,220 11.62 Bills Payable 787 704 83 11.84 Special Financing 0 67 (67) (99.92) Unsecured Subordinated Debt 87 90 (3) (3.01) Redeemable Preferred Shares 1 1 0 2.71 Other liabilities 775 705 70 9.89 Capital Accounts 1,757 1,548 209 13.48 Capital Stock 811 724 87 11.99 Assigned Capital 90 88 2 2.39 Other Equity Instruments 12 12 (0) (0.05) Deposit for Stock Subscription 4 2 2 153.19 Retained Earnings & Undivided Profits 3/ 797 683 114 16.69 Accumulated Earnings 42 46 (4) (9.13)

C. Income Statement Accounts (in P Billion)

Net Profit or Loss 168 154 14 8.92 Total Operating Income 591 535 56 10.42 Net Interest Income 447 386 61 15.92 Interest Income 575 498 77 15.37 Less: Interest Expense 127 112 15 13.42 Provision for Losses on Accrued Interest 0 0 0 47.14 Income from Financial Assets Non Interest Expense 378 341 37 10.80 Losses/Recoveries on Financial Assets (34) (30) (4) 12.35 Net Profit Before Share in the Profit/(Loss) of 179 164 15 9.27 Unconsolidated Subsidiaries, Associates and Joint Ventures Accounted for Using the Equity Method Share in the Profit/(Loss) of Unconsolidated Subsidiaries, 28 22 6 24.81 Associates and Joint Ventures Accounted for Using the Equity Method Total Profit/Loss Before Tax and Before Minority Interest 207 186 21 11.14 Income Tax Expense 39 32 7 21.92 Total Profit/Loss After Tax and Before Minority Interest 168 154 14 8.92 D. Selected Ratios (%) Return on Average Assets 1 1 Return on Average Equity 10 10

1/ Excluding Offshore Banking Units and Representative Offices of Foreign Banks

2/ Inclusive of unamortized discount/premium and net of amortization 3/ Inclusive of Other Comprehensive Income, Appraisal Increment Reserve, Stock Dividend Distributable & Deposit for Stock Subscription Details may not add up to totals due to rounding-off Source: Supervisory Data Center, Financial Supervision Sector

I.1

Part II

Industry Profile of the Philippine Banking System

Table 1.a NUMBER OF OFFICES BY TYPE OF BANK GROUP 2008 - 2017

Type of Bank 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

Banking System 8,448 8,620 8,877 9,050 9,410 9,935 10,361 10,756 11,178 11,793 Head Offices 818 785 758 726 696 673 648 632 602 587 Branches/ Other Offices 7,630 7,835 8,119 8,324 8,714 9,262 9,713 10,124 10,576 11,206

I. Universal and Commercial Banks 4,447 4,520 4,681 4,857 5,145 5,461 5,833 6,060 6,237 6,483 Head Offices 38 38 38 38 37 36 36 40 42 43 Branches/ Other Offices 4,409 4,482 4,643 4,819 5,108 5,425 5,797 6,020 6,195 6,440

A. Universal Banks 3,952 4,009 4,121 4,207 4,622 5,010 5,336 5,540 5,709 5,935 Head Offices 17 18 19 20 21 21 21 21 21 21 Branches/ Other Offices 3,935 3,991 4,102 4,187 4,601 4,989 5,315 5,519 5,688 5,914

Private Domestic Banks 3,512 3,569 3,674 3,743 4,147 4,523 4,827 5,001 5,138 5,331 Head Offices 11 11 11 11 12 12 12 12 12 12 Branches/ Other Offices 3,501 3,558 3,663 3,732 4,135 4,511 4,815 4,989 5,126 5,319 Foreign Bank Branches 15 16 17 17 17 17 17 15 12 12 Head Offices 3 4 5 6 6 6 6 6 6 6 Branches/ Other Offices 12 12 12 11 11 11 11 9 6 6 Government Banks 425 424 430 447 458 470 492 524 559 592 Head Offices 3 3 3 3 3 3 3 3 3 3 Branches/ Other Offices 422 421 427 444 455 467 489 521 556 589 B . Commercial Banks 495 511 560 650 523 451 497 520 528 548 Head Offices 21 20 19 18 16 15 15 19 21 22 Branches/ Other Offices 474 491 541 632 507 436 482 501 507 526 Private Domestic Banks 410 427 472 561 432 337 373 399 407 423 Head Offices 7 7 8 8 6 5 5 5 5 5 Branches/ Other Offices 403 420 464 553 426 332 368 394 402 418 Foreign Bank Subsidiaries 69 69 74 76 78 100 103 103 104 105 Head Offices 3 3 2 2 2 2 2 2 2 2 Branches/ Other Offices 66 66 72 74 76 98 101 101 102 103 Foreign Bank Branches 16 15 14 13 13 14 21 18 17 20 Head Offices 11 10 9 8 8 8 8 12 14 15 Branches/ Other Offices 5 5 5 5 5 6 13 6 3 5

II. Thrift Banks 1,327 1,333 1,418 1,491 1,619 1,828 1,920 2,086 2,176 2,417 Head Offices 77 73 73 71 70 71 69 68 60 55 Branches/ Other Offices 1,250 1,260 1,345 1,420 1,549 1,757 1,851 2,018 2,116 2,362 III. Rural and Cooperative Banks 2,674 2,767 2,778 2,702 2,646 2,646 2,608 2,610 2,765 2,893 Head Offices 703 674 647 617 589 566 543 524 500 489 Branches/ Other Offices 1,971 2,093 2,131 2,085 2,057 2,080 2,065 2,086 2,265 2,404

Source: Supervisory Data Center, Financial Supervision Sector

II. 1 Table 1.b NUMBER OF BRANCHES AND OTHER OFFICES BY TYPE OF LOCATION As of December 31, 2017

Branches and Other Offices 1/ Type of Bank T O T A L Metro Manila Countryside Overseas Total 11,206 3,567 7,590 49 I. Universal and Commercial Banks 6,440 2,945 3,446 49 A. Universal Banks 5,914 2,713 3,152 49 Private Domestic Banks 5,319352 2,594 352 2,677 48 1 ASIA UNITED BANK CORPORATION 226 121 105 2 BANK OF THE PHIL ISLANDS 683 355 326 2 3 BDO UNIBANK INC 1,128 541 579 8 4 CHINA BANKING CORP 435 224 211 5 EAST WEST BANKING CORP 389 210 179 6 METROPOLITAN BANK & TCO 712 307 397 8 7 PHIL NATIONAL BANK 664 247 387 30 8 PHIL TRUST COMPANY 61 40 21 9 RIZAL COMM'L BANKING CORP 328 146 182 10 SECURITY BANK CORP 302 173 129 11 UNION BANK OF THE PHILS 204 134 70 12 UNITEDUNION BANK COCONUT OF THE PHILSPLANTERS BANK 187 96 91 Foreign Bank Branches 6 4 2 1 ANZ BANKING GROUP LTD 2 DEUTSCHE BANK AG 3 HONGKONG & SHANGHAI BANKING CORP 6 4 2 4 ING BANK N.V. 5 MIZUHO BANK LTD - MANILA BRANCH 6 STANDARD CHARTERED BANK Government Banks 589 115 473 1 1 AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS 8 1 7 2 DEVELOPMENT BANK OF THE PHIL 143 20 123 3 LAND BANK OF THE PHILIPPINES 438 94 343 1 B . Commercial Banks 526 232 294 Private Domestic Banks 418 187 231 1 BANK OF COMMERCE 133 61 72 2 BDO PRIVATE BANK, INC. 6 4 2 3 PHIL BANK OF COMMUNICATIONS 86 43 43 4 PHILIPPINE VETERANS BANK 59 14 45 5 ROBINSONS BANK CORPORATION 134 65 69 Foreign Bank Subsidiaries 103 42 61 1 CTBC BANK (PHILIPPINES) CORP 24 13 11 2 MAYBANK PHILIPPINES INCORPORATED 79 29 50 Foreign Bank Branches 5 3 2 1 BANGKOK BANK PUBLIC CO LTD 2 BANK OF AMERICA N.A. 3 BANK OF CHINA LIMITED-MANILA BRANCH 4 CATHAY UNITED BANK CO LTD - MANILA BRANCH 5 CITIBANK, N.A. 4 3 1 6 FIRST COMMERCIAL BANK LTD MANILA BRANCH 7 INDUSTRIAL BANK OF KOREA MANILA BRANCH 8 JP MORGAN CHASE BANK NATIONAL ASSN. 9 KEB HANA BANK - MANILA BRANCH 1 1 10 MEGA INT'L COMM'L BANK CO LTD 11 SHINHAN BANK - MANILA BRANCH 12 SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH 13 THE BNK OF TOKYO-MITSUBISHI UFJ LTD 14 UNITED OVERSEAS BANK LIMITED MANILA BRANCH

1/ Excluding Head Offices Source: Supervisory Data Center, Financial Supervision Sector

II. 2 Table 1.b NUMBER OF BRANCHES AND OTHER OFFICES BY TYPE OF LOCATION As of December 31, 2017

Branches and Other Offices 1/ Type of Bank T O T A L Metro Manila Countryside

II. Thrift Banks 2,362 552 1,810

1 1ST VALLEY BANK INC A DEVELOPMENT BANK 47 47 2 ALLBANK (A THRIFT BANK) INC 9 3 6 3 BANGKO KABAYAN INC (A PRIVATE DEVELOPMENT BANK) 23 23 4 BANK OF MAKATI (A SAVINGS BANK) INC 61 20 41 5 BANK ONE SAVINGS AND TRUST CORP. 6 6 6 BATAAN DEVELOPMENT BANK 6 6 7 BPI DIRECT BANKO INC A SAVINGS BANK 103 2 101 8 BPI FAMILY SAVINGS BANK INC 171 98 73 9 BUSINESS AND CONSUMERS BANK (A DB) 4 4 10 CARD SME BANK INC A THRIFT BANK 196 196 11 CENTURY SAVINGS BANK CORPORATION 7 3 4 12 CHINA BANK SAVINGS INC 159 77 82 13 CITY SAVINGS BANK INC 105 11 94 14 CITYSTATE SAVINGS BANK INC 29 18 11 15 CORDILLERA SAVINGS BANK INC 2 2 16 DUMAGUETE CITY DEV BANK INC 4 4 17 ENTERPRISE BANK INC (A THRIFT BANK) 31 31 18 EQUICOM SAVINGS BANK INC 10 3 7 19 FARMERS SAVINGS & LOAN BANK INC 7 7 20 FIRST CONSOLIDATED BANK INC (A PDB) 128 128 21 HIYAS BANKING CORPORATION 5 5 22 HSBC SAVINGS BANK(PHILS) INC 8 8 23 INTER-ASIA DEVELOPMENT BANK 1 1 24 ISLA BANK(A THRIFT BANK) INC 2 2 25 LEGAZPI SAVINGS BANK INC 13 13 26 LEMERY SAVINGS & LOAN BANK, INC. 2 2 27 LIFE SAVINGS BANK INC 28 LUZON DEVELOPMENT BANK 39 7 32 29 MALASIQUI PROGRESSIVE SLB, INC 30 MALAYAN BANK SAVINGS AND MORT BANK INC 20 8 12 31 MARITIME SAVINGS BANK CORPORATION 3 3 32 MAXIMUM SAVINGS BANK INC 3 1 2 33 MERCHANTS SAVINGS & LOAN ASSN INC 22 22 34 METRO CEBU PUBLIC SAVINGS BANK 2 2 35 NORTHPOINT DEV'T BANK INC 29 6 23 36 PACIFIC ACE SAVINGS BANK INC 37 PAMPANGA DEVELOPMENT BANK 3 3 38 PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) 32 32 39 PHIL POSTAL SAVINGS BANK INC 30 30 40 PHIL SAVINGS BANK 254 113 141 41 PHIL STAR DEVELOPMENT BANK INC 42 PHILIPPINE BUSINESS BANK INC A SAVINGS BANK 142 51 91 43 PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS BANK) 116 13 103 44 PNB SAVINGS BANK 56 11 45 45 PRODUCERS SAVINGS BANK CORPORATION 154 4 150 46 QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK 15 1 14 47 QUEZON COCONUT BANK INC (A THRIFT BANK) 48 RCBC SAVINGS BANK INC 156 51 105 49 STERLING BANK OF ASIA INC (A SAVINGS BANK) 46 27 19 50 SUN SAVINGS BANK INC 4 4 51 THE PALAWAN BANK (PALAWAN DB) INC 9 9 52 UCPB SAVINGS BANK 61 4 57 53 UNIVERSITY SAVINGS BANK INC 4 1 3 54 WEALTH DEVELOPMENT BANK CORPORATION 21 3 18 55 YUANTA SAVINGS BANK PHILIPPINES INC 2 2

III. Rural and Cooperative Banks 2,404 70 2,334

A. Rural Banks 2,278 70 2,208 B. Cooperative Banks 126 126

1/ Excluding Head Offices Source: Supervisory Data Center, Financial Supervision Sector

II. 3 Table 1.c NUMBER OF AUTOMATED TELLER MACHINES The Philippine Banking System 2008- 2017

Name of Bank 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

Total 7,741 8,458 9,370 10,659 12,225 14,530 15,695 17,317 19,084 20,279 On-site 5,423 5,744 6,165 6,608 7,282 8,477 9,064 9,751 10,722 11,279 Off-site 2,318 2,714 3,205 4,051 4,943 6,053 6,631 7,566 8,362 9,000

A. Universal and Commercial Banks 6,803 7,380 8,072 9,197 10,510 12,451 13,336 14,739 16,357 17,453

On-site 4,645 4,935 5,217 5,574 6,130 7,069 7,474 8,033 8,854 9,353 Off-site 2,158 2,445 2,855 3,623 4,380 5,382 5,862 6,706 7,503 8,100

B. Thrift Banks 825 959 1151 1229 1,471 1,740 1,880 2,090 2,173 2,239

On-site 683 708 819 835 944 1,118 1,169 1,296 1,381 1,424 Off-site 142 251 332 394 527 622 711 794 792 815

C. Rural and Cooperative Banks 113 119 147 233 244 339 479 488 554 587 On-site 95 101 129 199 208 290 421 422 487 502 Off-site 18 18 18 34 36 49 58 66 67 85

Source: Supervisory Data Center, Financial Supervision Sector

II. 4 Table 1.d CHANGES IN THE PHILIPPINE BANKING NETWORK For the Year 2017

I. NEW BANKS

Name of Bank Address Date Opened

Unit 2 and 3, 26th Floor , Tower 6789, 6789 Ayala Avenue Hua Nan Commercial Bank, Ltd. - Manila Branch 4-Aug-17 1223 Makati City

II. MERGERS/ACQUISITIONS/CONSOLIDATIONS Bank/NBFI Surviving/Acquiring Bank Bank Category Absorbed Bank(s) Effectivity Date Category

Dumaguete City Development Bank, Inc. Thrift Bank Rural Bank of Sibulan (Negros Oriental), Inc. Rural Bank 4-Apr-17

Cooperative Bank of Misamis Oriental Rural Bank 30-Jun-17 Rural Bank Mindanao Consolidated Cooperative Bank Bukidnon Cooperative Bank Rural Bank 30-Jun-17 (Coop) Cooperative Bank of Agusan Norte - Butuan City Rural Bank 30-Jun-17

Philippine Business Bank, Inc., A Savings Bank Thrift Bank Bataan Savings and Loan Bank Thrift Bank 16-Oct-17

Country Builders Bank, Inc. (A Rural Bank) Rural Bank 1st Macro Bank, Inc. (A Rural Bank) Rural Bank 19-Oct-17

Rural Bank Ilocos Sur Cooperative Bank Rural Bank 1-Dec-17 Ilocos Consolidated Cooperative Bank, Inc. (Coop) Cooperative Bank of Ilocos Norte Rural Bank 1-Dec-17

Rural Bank of Nagcarlan, Inc. Rural Bank 11-Dec-17 Banco Dipolog, Inc. A Rural Bank Rural Bank Rural Bank of Kabasalan (Zamboanga del Sur), Inc. Rural Bank 11-Dec-17

III. CONVERSIONS

From Bank Category To Bank Category Effectivity Date

Microfinance- Microfinance- Dungganon Bank (A Microfinance Thrift Bank), Inc Oriented Thrift Dungganon Bank (A Microfinance Rural Bank), Inc Oriented Rural 1-Jan-17 Bank Bank

Village Bank, Inc. (A Thrift Bank) Thrift Bank Village Bank, Inc. (A Rural Bank) Rural Bank 2-Nov-17

IV. CLOSURES

Name of Bank Date of Closure

THRIFT BANKS Security Bank Savings Corporation 11-Apr-17 World Partners Bank (A Thrift Bank) 11-Aug-17

RURAL AND COOPERATIVE BANKS Countryside Cooperative Rural Bank of Batangas 12-Jan-17 Rural Bank of Barotac Viejo (Iloilo), Inc. 23-Feb-17

Rural Bank of Goa (Camarines Sur), Inc. 16-Mar-17 Rural Bank of Ragay (Camarines Sur), Inc. 20-Apr-17 Rural Bank of Iligan City, Inc. 20-Apr-17 Cabanatuan City Rural Bank, Inc. 28-Sep-17

Source: Supervisory Data Center, Financial Supervision Sector

II. 5 Table 2 BALANCE SHEET Philippine Banking System 2013 - 2017 In Million Pesos

2017 Accounts 2013 2014 2015 2016 3.31 6.30 9.30 12.31 TOTAL ASSETS 9,970,839 11,168,982 12,089,144 13,591,203 13,777,294 14,242,197 14,615,346 15,166,160 Cash and Due from banks 2,553,262 2,478,899 2,473,059 2,765,737 2,775,413 2,753,277 2,724,057 2,713,487 Financial Assets, gross (Net of amortization) 2,006,647 2,272,686 2,496,502 2,595,291 2,702,455 2,818,067 2,844,334 2,914,519 Accumulated Market Gains/Losses (9,406) 18,476 2,508 (5,506) (922) 3,002 5,391 (9,832) Financial Assets, gross (Net of amortization and Market Gains/Losses) 1,997,241 2,291,162 2,499,010 2,589,785 2,701,533 2,821,069 2,849,726 2,904,687 Allowance for Credit Losses 25,801 24,477 25,850 24,850 24,636 24,055 23,756 23,515 Financial Assets, gross (net of amortization and credit losses) 1,971,440 2,266,685 2,473,160 2,564,934 2,676,897 2,797,014 2,825,969 2,881,171 Loans, gross 1/ 4,896,950 5,832,377 6,527,267 7,612,119 7,671,601 8,021,806 8,396,013 8,865,601 Allowance for Probable Losses 160,874 161,573 161,646 172,826 177,096 178,057 183,073 184,251

Loans, net (inclusive of IBL) 4,736,076 5,670,804 6,365,621 7,439,293 7,494,505 7,843,749 8,212,940 8,681,350 Equity Investments, gross 182,240 203,567 225,858 241,469 249,539 248,927 255,052 254,915 Allowance for Probable Losses 1,695 2,126 1,927 2,006 1,414 1,020 999 1,040

Equity Investments, net 180,545 201,440 223,931 239,463 248,125 247,906 254,054 253,875 Real and Other Properties Acquired, net 109,531 96,960 93,094 91,493 91,021 88,464 86,566 92,343 Other Assets 419,986 454,194 460,277 490,283 491,332 511,787 511,760 543,933 LIABILITIES AND CAPITAL 9,970,839 11,168,982 12,089,144 13,591,203 13,777,294 14,242,197 14,615,346 15,166,160 LIABILITIES 8,845,032 9,802,693 10,685,576 12,043,112 12,134,929 12,549,283 12,876,640 13,409,369 Financial Liabilities Held for Trading 40,789 56,194 28,228 36,103 26,728 29,673 26,336 32,537 Financial Liabilities Designated at Fair 0 0 0 0 0 0 0 0 Value through Profit or Loss Deposit Liabilities 7,608,868 8,524,553 9,231,344 10,506,562 10,635,757 11,018,722 11,324,811 11,726,967 Peso Liabilities 6,448,698 7,090,348 7,689,474 8,708,716 8,704,602 9,080,595 9,259,791 9,698,463 Demand and NOW 1,550,771 1,707,489 1,973,764 2,262,162 2,311,696 2,450,873 2,510,954 2,618,530 Savings 3,021,866 3,351,844 3,753,596 4,324,440 4,234,246 4,342,856 4,394,939 4,596,162 Time 1,789,282 1,924,859 1,847,174 1,991,076 2,024,594 2,138,742 2,185,884 2,289,729 LTNCD 86,778 106,156 114,939 131,038 134,066 148,123 168,013 194,042 Foreign Currency 1,160,170 1,434,205 1,541,870 1,797,846 1,832,548 1,827,774 1,945,897 1,918,149 Bills Payable 502,389 517,643 629,417 703,906 681,891 719,937 675,717 787,239 Deposits Substitutes 155,141 195,397 284,283 304,531 291,662 332,963 294,325 301,036 Others 347,248 322,246 345,134 399,375 390,229 386,973 381,392 486,202 Special Financing 58 31 129 67 28 47 16 50 Unsecured Subordinated Debt 62,804 109,890 113,757 89,683 87,932 84,455 84,977 86,984 Redeemable Preferred Shares 320 936 887 864 869 912 895 888 Other Liabilities 629,803 593,447 681,813 705,927 701,723 695,536 763,887 774,704 TOTAL CAPITAL ACCOUNTS 1,125,807 1,366,289 1,403,568 1,548,091 1,642,365 1,692,915 1,738,706 1,756,791 Capital Stock 542,237 610,570 670,074 723,714 781,804 802,692 806,768 810,546 Assigned Capital 27,228 60,276 80,605 87,825 87,825 87,825 89,925 89,925 Net Due to Head Office 95,317 140,035 Accumulated Earnings 37,640 41,585 45,879 45,936 45,841 45,765 Other Equity Instruments 27,592 27,869 17,967 12,058 12,058 12,053 12,063 12,053 Retained Earnings and Undivided Profits 2/ 433,433 527,540 597,281 682,909 714,798 744,408 784,109 798,501

1/ Inclusive of unamortized discount/premium and net of amortization

2/ Inclusive of Other Comprehensive Income, Appraisal Increment Reserve, Stock Dividend Distributable and Deposit for Stock Subscription

Details may not add up to totals due to rounding-off Source: Supervisory Data Center, Financial Supervision Sector

II. 6 Table 2.a BALANCE SHEET Universal and Commercial Banks 2013 - 2017 In Million Pesos

2017 Accounts 2013 2014 2015 2016 3.31 6.30 9.30 12.31

TOTAL ASSETS 8,997,132 10,069,630 10,895,179 12,301,727 12,455,453 12,881,521 13,256,840 13,763,279

Cash and Due from banks 2,345,158 2,237,062 2,252,205 2,553,675 2,550,542 2,511,197 2,516,317 2,509,814

Financial Assets, gross (net of amortization) 1,926,328 2,180,496 2,383,205 2,475,700 2,577,522 2,682,903 2,706,410 2,769,329

Accumulated Market Gains/Losses (7,505) 18,159 2,886 (4,432) (152) 3,519 5,767 (9,114) Financial Assets, gross (net of amortization and Market Gains/Losses) 1,918,824 2,198,655 2,386,091 2,471,268 2,577,370 2,686,422 2,712,177 2,760,216 Allowance for Credit Losses 24,769 23,694 25,107 24,147 23,957 23,374 23,094 22,883 Financial Assets, gross (net of amortization and credit losses) 1,894,055 2,174,960 2,360,984 2,447,121 2,553,413 2,663,048 2,689,083 2,737,333 Loans, gross 1/ 4,256,963 5,117,884 5,719,665 6,706,312 6,751,129 7,089,734 7,435,519 7,867,078

Allowance for probable losses 130,440 132,542 129,220 135,699 138,546 139,280 143,486 145,835

Loans, net (inclusive of IBL) 4,126,523 4,985,342 5,590,445 6,570,613 6,612,583 6,950,455 7,292,034 7,721,243 Equity Investments gross 179,741 201,933 224,155 238,907 246,848 246,141 252,299 252,000 Allowance for probable losses 1,450 1,880 1,681 1,753 1,160 767 745 795

Equity Investments, net 178,292 200,053 222,474 237,155 245,688 245,374 251,554 251,206

Real and Other Properties Acquired, net 79,511 67,206 63,483 61,690 61,068 59,301 56,701 62,473 Other assets 373,593 405,006 405,587 431,475 432,158 452,147 451,152 481,210

LIABILITIES AND CAPITAL 8,997,132 10,069,630 10,895,179 12,301,727 12,455,453 12,881,521 13,256,840 13,763,279

LIABILITIES 7,993,560 8,852,815 9,656,952 10,929,301 10,994,186 11,372,041 11,708,109 12,198,058

Financial Liabilities Held for Trading 40,789 56,193 28,226 36,037 26,710 29,647 26,325 32,537 Financial Liabilities Designated at Fair 0 0 0 0 0 0 0 0 Value through Profit or Loss Deposit Liabilities 6,837,526 7,680,627 8,295,107 9,482,804 9,579,377 9,922,699 10,241,145 10,614,366 Peso Liabilities 5,721,715 6,291,628 6,807,731 7,742,489 7,710,250 8,044,381 8,233,741 8,649,150 Demand and NOW 1,486,162 1,643,520 1,898,243 2,182,512 2,230,033 2,363,742 2,422,532 2,526,165

Savings 2,740,941 3,044,638 3,419,189 3,965,240 3,870,146 3,975,201 4,020,957 4,216,911

Time 1,407,868 1,497,314 1,375,361 1,463,700 1,479,380 1,560,691 1,625,615 1,715,407 LTNCD 86,745 106,156 114,939 131,037 130,690 144,748 164,638 190,667

Foreign Currency 1,115,811 1,388,998 1,487,375 1,740,315 1,774,945 1,772,451 1,892,943 1,859,408

Bills Payable 462,450 458,872 583,320 660,845 646,231 688,743 640,267 741,176 Deposits Substitutes 155,141 195,237 282,264 300,675 287,530 330,311 290,498 298,614 Others 307,309 263,635 301,056 360,171 358,701 358,432 349,769 442,561

Special Financing 6 6 1 1 1 0 0 0 Unsecured Subordinated Debt 57,005 101,959 106,997 82,921 82,941 79,457 79,473 81,480

Redeemable Preferred Shares 0 0 0 0 0 0 0 0

Other Liabilities 595,784 555,158 643,302 666,692 658,925 651,494 720,900 728,499 TOTAL CAPITAL ACCOUNTS 1,003,572 1,216,815 1,238,226 1,372,427 1,461,267 1,509,481 1,548,731 1,565,221 Capital Stock 462,415 514,998 573,365 630,109 687,022 707,227 708,714 708,886 Assigned Capital 27,228 60,276 80,605 87,825 87,825 87,825 89,925 89,925 Net Due to Head Office 95,317 140,035

Accumulated Earnings 37,640 41,585 45,879 45,936 45,841 45,765 Other Equity Instruments 27,589 27,703 17,795 12,000 12,000 12,000 12,000 12,000

Retained Earnings and Undivided Profits 2/ 391,023 473,804 528,822 600,907 628,541 656,492 692,250 708,644

Details may not add up to totals due to rounding-off Source: Supervisory Data Center, Financial Supervision Sector

II. 7 Table 2.a.1a BALANCE SHEET Universal Banks 2013 - 2017 In Million Pesos

2017 Accounts 2013 2014 2015 2016 3.31 6.30 9.30 12.31

TOTAL ASSETS 8,146,264 9,145,428 9,946,850 11,247,445 11,385,805 11,782,252 12,167,710 12,663,433

Cash and Due from banks 2,117,086 1,967,910 1,977,589 2,277,973 2,255,129 2,229,858 2,234,936 2,256,601

Financial Assets, gross (Net of Amortization) 1,754,459 1,950,238 2,194,794 2,324,752 2,414,576 2,500,691 2,533,375 2,594,121 Accumulated Market Gains/Losses (4,158) 18,833 5,041 (2,172) 1,573 4,878 7,008 (6,849) Financial Assets, gross (Net of Amortization 1,750,301 1,969,071 2,199,835 2,322,580 2,416,149 2,505,569 2,540,383 2,587,272 and Market Gains/Losses) Allowance for Credit Losses 22,741 22,259 24,107 23,008 22,818 22,424 22,144 21,933 Financial Assets, gross (Net of Amortization and 1,727,560 1,946,812 2,175,728 2,299,572 2,393,331 2,483,145 2,518,239 2,565,339 Credit losses)

Loans, gross 1/ 3,835,048 4,732,132 5,266,691 6,111,386 6,172,522 6,487,466 6,832,929 7,227,031

Allowance for Probable Losses 116,415 116,769 114,477 121,113 123,994 125,303 129,319 131,311

Loans, net (inclusive of IBL) 3,718,633 4,615,363 5,152,214 5,990,273 6,048,528 6,362,162 6,703,611 7,095,720

Equity Investments, gross 178,497 199,969 222,034 236,286 244,225 243,508 249,587 249,301

Allowance for Probable Losses 1,444 1,866 1,658 1,728 1,136 742 720 770

Equity Investments, net 177,054 198,103 220,375 234,557 243,090 242,766 248,867 248,530

Real and Other Properties Acquired, net 72,489 59,616 56,049 54,259 53,279 51,700 49,120 54,565

Other Assets 333,442 357,625 364,895 390,810 392,448 412,621 412,936 442,678

LIABILITIES AND CAPITAL 8,146,264 9,145,428 9,946,850 11,247,445 11,385,805 11,782,252 12,167,710 12,663,433

LIABILITIES 7,266,403 8,086,720 8,839,957 10,014,608 10,065,977 10,416,965 10,768,286 11,248,719

Financial Liabilities Held for Trading 36,107 48,535 20,857 22,800 21,003 24,060 22,278 28,666

Financial Liabilities Designated at Fair 0 0 0 0 0 0 0 0 Value through Profit or Loss

Deposit Liabilities 6,252,674 7,024,202 7,641,863 8,728,036 8,804,278 9,135,173 9,460,727 9,808,813

Peso Liabilities 5,284,584 5,816,770 6,333,122 7,210,308 7,185,424 7,490,218 7,689,611 8,082,984

Demand and NOW 1,313,981 1,450,932 1,697,978 1,956,486 2,005,198 2,130,917 2,192,981 2,295,544

Savings 2,584,491 2,866,749 3,249,533 3,780,331 3,689,078 3,788,293 3,833,603 4,013,517

Time 1,299,367 1,392,933 1,270,673 1,342,454 1,360,458 1,430,442 1,502,571 1,587,439

LTNCD 86,745 106,156 114,939 131,037 130,690 140,566 160,456 186,484

Foreign Currency 968,090 1,207,432 1,308,740 1,517,727 1,544,392 1,564,715 1,673,289 1,636,982

Bills Payable 441,359 448,024 565,275 643,293 625,151 656,547 613,368 712,894

Deposits Substitutes 153,266 192,128 276,233 290,575 277,612 320,770 281,761 290,646

Others 288,094 255,896 289,042 352,717 347,540 335,776 331,606 422,248

Special Financing 5 5 0 0 1 0 0 0

Unsecured Subordinated Debt 57,005 101,959 106,997 82,921 82,941 79,457 79,473 79,489

Redeemable Preferred Shares 0 0 0 0 0 0 0 0

Other Liabilities 479,252 463,995 504,965 537,558 532,603 521,727 592,441 618,856

TOTAL CAPITAL ACCOUNTS 879,862 1,058,708 1,106,894 1,232,837 1,319,828 1,365,287 1,399,424 1,414,715

Capital Stock 410,293 460,813 517,798 567,249 627,307 647,512 647,605 647,776

Assigned Capital 12,920 30,594 31,065 33,765 33,765 33,765 33,765 33,765

Net Due to Head Office 38,761 70,114

Accumulated Earnings 20,393 21,386 25,410 25,581 25,575 25,650

Other Equity Instruments 27,589 27,703 17,795 12,000 12,000 12,000 12,000 12,000

Retained Earnings & Undivided Profits 2/ 390,298 469,484 519,842 598,437 621,346 646,429 680,479 695,523

Details may not add up to totals due to rounding-off

Source: Supervisory Data Center, Financial Supervision Sector

II. 8 Table 2.a.1b BALANCE SHEET Commercial Banks 2013 - 2017 In Million Pesos

2017 Accounts 2013 2014 2015 2016 3.31 6.30 9.30 12.31 TOTAL ASSETS 850,868 924,202 948,328 1,054,283 1,069,648 1,099,269 1,089,130 1,099,846 Cash and Due from banks 228,072 269,152 274,616 275,701 295,413 281,338 281,380 253,212 Financial Assets, gross (net of amortization) 171,870 230,257 188,411 150,948 162,946 182,212 173,034 175,208 Accumulated Market Gains/Losses (3,347) (674) (2,155) (2,260) (1,725) (1,358) (1,241) (2,265) Financial Assets, gross (net of amortization and Market Gains/Losses) 168,523 229,584 186,256 148,688 161,221 180,853 171,793 172,944 Allowance for Credit Losses 2,028 1,435 1,000 1,139 1,139 950 950 950 Financial Assets, gross (net of amortization and credit losses) 166,495 228,148 185,256 147,549 160,082 179,903 170,843 171,994 Loans, gross 1/ 421,915 385,752 452,974 594,926 578,608 602,269 602,590 640,047 Allowance for probable losses 14,025 15,773 14,743 14,585 14,552 13,976 14,167 14,524 Loans, net (inclusive of IBL) 407,890 369,980 438,231 580,340 564,055 588,292 588,423 625,523 Equity Investments gross 1,244 1,964 2,121 2,622 2,622 2,632 2,712 2,700 Allowance for probable losses 6 14 22 24 24 24 24 24 Equity Investments, net 1,238 1,950 2,099 2,597 2,598 2,608 2,687 2,675 Real and Other Properties Acquired, net 7,021 7,590 7,435 7,431 7,789 7,601 7,580 7,909 Other assets 40,151 47,381 40,692 40,665 39,710 39,526 38,215 38,532 LIABILITIES AND CAPITAL 850,868 924,202 948,328 1,054,283 1,069,648 1,099,269 1,089,130 1,099,846 LIABILITIES 727,158 766,095 816,996 914,693 928,209 955,076 939,823 949,340 Financial Liabilities Held for Trading 4,682 7,658 7,369 13,237 5,707 5,586 4,047 3,871 Financial Liabilities Designated at Fair 0 0 0 0 0 0 0 0 Value through Profit or Loss Deposit Liabilities 584,852 656,425 653,244 754,768 775,099 787,526 780,419 805,553 Peso Liabilities 437,132 474,858 474,609 532,180 524,826 554,163 544,131 566,166 Demand and NOW 172,180 192,588 200,265 226,026 224,835 232,825 229,551 230,622 Savings 156,450 177,889 169,656 184,909 181,069 186,908 187,354 203,393 Time 108,501 104,381 104,689 121,246 118,922 130,249 123,043 127,969 LTNCD 0 0 0 0 0 4,182 4,182 4,182 Foreign Currency 147,721 181,567 178,635 222,588 230,553 207,736 219,654 222,426 Bills Payable 21,091 10,848 18,045 17,553 21,080 32,197 26,899 28,282 Deposits Substitutes 1,876 3,109 6,032 10,099 9,918 9,540 8,737 7,968 Others 19,215 7,739 12,014 7,454 11,161 22,656 18,163 20,313 Special Financing 1 1 1 1 0 0 0 0 Unsecured Subordinated Debt 0 0 0 0 0 0 0 1,990 Redeemable Preferred Shares 0 0 0 0 0 0 0 0 Other Liabilities 116,532 91,163 138,336 129,134 126,323 129,767 128,459 109,643 TOTAL CAPITAL ACCOUNTS 123,710 158,107 131,333 139,590 141,439 144,193 149,307 150,506 Capital Stock 52,121 54,185 55,567 62,861 59,715 59,715 61,109 61,109 Assigned Capital 14,308 29,682 49,540 54,060 54,060 54,060 56,160 56,160 Net Due to Head Office 56,556 69,921 Accumulated Earnings 17,247 20,199 20,469 20,355 20,266 20,116 Other Equity Instruments 0 0 0 0 0 0 0 0 Retained Earnings & Undivided Profits 2/ 725 4,320 8,979 2,470 7,196 10,063 11,771 13,121

Details may not add up to totals due to rounding-off Source: Supervisory Data Center, Financial Supervision Sector

II. 9 Table 2.a.2a BALANCE SHEET Private Domestic Universal and Commercial Banks 2013 - 2017 In Million Pesos

2017 Accounts 2013 20142015 2016 3.31 6.30 9.30 12.31 TOTAL ASSETS 6,721,217 7,536,559 8,227,656 9,342,599 9,472,681 9,785,237 10,100,554 10,493,944 Cash and Due from banks 1,613,573 1,536,316 1,545,570 1,787,072 1,801,900 1,753,512 1,796,012 1,844,786

Financial Assets, gross (net of amortization) 1,389,998 1,487,061 1,701,651 1,679,886 1,786,671 1,859,115 1,872,945 1,844,378 Accumulated Market Gains/Losses (21,853) 2,900 (8,087) (7,747) (4,845) (2,702) (2,320) (14,928) Financial Assets, gross (net of amortization and Market Gains/Losses) 1,368,144 1,489,961 1,693,565 1,672,140 1,781,825 1,856,413 1,870,624 1,829,449 Allowance for Credit Losses 21,596 20,758 22,235 21,260 21,070 20,683 20,403 20,190 Financial Assets, gross (net of amortization and credit losses) 1,346,548 1,469,203 1,671,330 1,650,879 1,760,755 1,835,731 1,850,222 1,809,259 Loans, gross 1/ 3,304,099 4,040,225 4,488,976 5,353,218 5,360,808 5,628,948 5,884,855 6,245,159 Allowance for probable losses 102,071 102,031 99,712 107,246 109,918 110,605 113,802 115,187

Loans, net (inclusive of IBL) 3,202,028 3,938,194 4,389,264 5,245,972 5,250,890 5,518,343 5,771,053 6,129,973 Equity Investments gross 173,049 194,823 216,842 231,574 239,379 238,672 244,867 244,248 Allowance for probable losses 1,363 1,371 1,169 1,241 648 255 233 233

Equity Investments, net 171,687 193,452 215,673 230,334 238,730 238,417 244,634 244,015 Real and Other Properties Acquired, net 70,940 59,049 55,604 53,929 52,932 51,487 48,539 54,351 Other assets 316,442 340,345 350,215 374,413 367,474 387,747 390,094 411,561 LIABILITIES AND CAPITAL 6,721,217 7,536,559 8,227,656 9,342,599 9,472,681 9,785,237 10,100,554 10,493,944 LIABILITIES 5,970,231 6,655,712 7,244,763 8,252,678 8,300,564 8,575,698 8,862,016 9,244,041 Financial Liabilities Held for Trading 26,033 41,109 12,762 14,235 12,922 15,200 12,488 17,084 Financial Liabilities Designated at Fair 0 0 0 0 0 0 0 0 Value through Profit or Loss Deposit Liabilities 5,268,703 5,856,550 6,349,806 7,251,194 7,361,208 7,583,205 7,864,259 8,115,718 Peso Liabilities 4,407,937 4,796,261 5,169,428 5,855,206 5,893,153 6,109,736 6,284,725 6,558,338 Demand and NOW 905,103 986,251 1,161,636 1,333,902 1,342,024 1,393,540 1,427,419 1,497,635 Savings 2,213,069 2,383,926 2,702,478 3,111,093 3,096,891 3,194,133 3,241,733 3,326,098 Time 1,208,020 1,324,928 1,201,375 1,290,173 1,334,548 1,388,316 1,461,936 1,554,937 LTNCD 81,744 101,156 103,939 120,037 119,690 133,748 153,638 179,667 Foreign Currency 860,766 1,060,289 1,180,378 1,395,988 1,420,815 1,421,049 1,522,502 1,496,581

Bills Payable 321,829 339,753 445,662 521,196 493,793 531,015 487,605 601,488 Deposits Substitutes 150,906 188,645 271,132 287,567 274,697 319,468 279,580 286,788 Others 170,923 151,108 174,530 233,629 219,096 211,547 208,025 314,700

Special Financing 5 5 0 0 1 0 0 0 Unsecured Subordinated Debt 23,950 75,832 80,863 72,930 72,949 69,464 69,479 69,494 Redeemable Preferred Shares 0 0 0 0 0 0 0 0 Other Liabilities 329,710 342,462 355,668 393,122 359,690 376,814 428,186 440,257 TOTAL CAPITAL ACCOUNTS 750,986 880,847 982,894 1,089,921 1,172,117 1,209,539 1,238,537 1,249,903 Capital Stock 423,613 475,925 534,563 580,479 637,391 654,416 655,903 656,074 Assigned Capital 0 0 0 0 0 0 0 0 Net Due to Head Office Accumulated Earnings 0 0 0 0 0 Other Equity Instruments 21,818 21,890 17,795 12,000 12,000 12,000 12,000 12,000 Retained Earnings & Undivided Profits 2/ 305,556 383,033 430,536 497,442 522,726 543,123 570,635 581,829

1/ Inclusive of unamortized discount/premium and net of amortization

2/ Inclusive of Other Comprehensive Income, Appraisal Increment Reserve,Stock Dividend Distributable and Deposit for Stock Subscription

Details may not add up to totals due to rounding-off Source: Supervisory Data Center, Financial Supervision Sector

II. 10 Table 2.a.2b BALANCE SHEET Government Banks 1/ 2013 - 2017 In Million Pesos

2017 Accounts 2013 2014 2015 2016 3.31 6.30 9.30 12.31 TOTAL ASSETS 1,278,958 1,527,189 1,706,903 1,931,777 1,889,021 2,017,599 2,037,543 2,212,796 Cash and Due from banks 390,439 383,750 452,460 487,229 449,146 481,588 433,880 442,276 Financial Assets, gross (net of amortization) 407,180 478,178 478,613 654,380 634,607 647,545 679,223 760,024 Accumulated Market Gains/Losses 14,194 15,138 11,719 3,768 5,422 6,631 8,348 6,642 Financial Assets, gross (net of amortization and Market Gains/Losses) 421,374 493,316 490,333 658,148 640,029 654,176 687,570 766,666 Allowance for Credit Losses 2,677 2,441 2,381 2,395 2,395 2,389 2,389 2,391 Financial Assets, gross (net of amortization and credit losses) 418,696 490,874 487,952 655,753 637,634 651,787 685,181 764,275 Loans, gross 2/ 446,749 625,554 740,570 760,630 772,284 852,870 887,761 968,276 Allowance for probable losses 17,397 16,879 17,020 17,254 17,277 17,859 18,536 19,269 Loans, net (inclusive of IBL) 429,353 608,675 723,549 743,376 755,007 835,011 869,225 949,008 Equity Investments gross 4,472 4,890 5,079 5,100 5,236 5,235 5,199 5,228 Allowance for probable losses 87 509 512 512 512 512 512 561 Equity Investments, net 4,385 4,381 4,568 4,588 4,724 4,723 4,687 4,666 Real and Other Properties Acquired, net 7,819 7,392 6,861 6,656 6,603 6,364 6,670 6,651 Other assets 28,265 32,116 31,513 34,174 35,907 38,126 37,900 45,921 LIABILITIES AND CAPITAL 1,278,958 1,527,189 1,706,903 1,931,777 1,889,021 2,017,599 2,037,543 2,212,796 LIABILITIES 1,165,497 1,408,926 1,588,903 1,801,973 1,754,166 1,874,927 1,888,787 2,061,009 Financial Liabilities Held for Trading 365 172 158 217 212 136 56 19 Financial Liabilities Designated at Fair 0 0 0 0 0 0 0 0 Value through Profit or Loss Deposit Liabilities 957,224 1,208,069 1,370,780 1,592,838 1,539,987 1,663,916 1,674,271 1,838,218 Peso Liabilities 902,858 1,113,428 1,292,739 1,502,677 1,444,362 1,551,430 1,559,251 1,717,878 Demand and NOW 401,381 463,225 566,065 669,015 723,814 800,573 818,934 854,901 Savings 448,691 584,700 635,736 752,563 663,157 679,192 675,288 792,696 Time 47,785 60,504 79,939 70,098 46,391 60,665 54,028 59,281 LTNCD 5,000 5,000 11,000 11,000 11,000 11,000 11,000 11,000 Foreign Currency 54,366 94,641 78,040 90,161 95,352 111,884 114,716 120,036 Bills Payable 123,002 105,434 122,082 131,000 139,658 134,683 133,817 121,652 Deposits Substitutes 4,090 6,592 11,107 13,107 12,832 10,842 10,917 11,826 Others 118,912 98,843 110,975 117,893 126,826 123,840 122,900 109,827 Special Financing 0 0 0 0 0 0 0 0 Unsecured Subordinated Debt 33,055 26,127 26,134 9,991 9,992 9,993 9,994 9,996 Redeemable Preferred Shares 0 0 0 0 0 0 0 0 Other Liabilities 51,850 69,125 69,749 67,928 64,318 66,200 70,650 91,124 TOTAL CAPITAL ACCOUNTS 113,461 118,262 118,000 129,803 134,855 142,672 148,755 151,788 Capital Stock 25,476 25,476 25,476 36,305 36,305 39,486 39,486 39,486 Assigned Capital 0 0 0 0 0 0 0 0 Net Due to Head Office Accumulated Earnings 0 0 0 0 0 Other Equity Instruments 5,771 5,814 0 0 0 0 0 0 Retained Earnings & Undivided Profits 3/ 82,213 86,973 92,524 93,498 98,549 103,186 109,269 112,301

1/ Consist of Al-Amanah Islamic bank of the Philippines, Development Bank of the Philippines, and Landbank of the Philippines 2/ Inclusive of unamortized discount/premium and net of amortization 3/ Inclusive of Other Comprehensive Income, Appraisal Increment Reserve,Stock Dividend Distributable and Deposit for Stock Subscription

Details may not add up to totals due to rounding-off Source: Supervisory Data Center, Financial Supervision Sector

II. 11 Table 2.a.2c BALANCE SHEET Foreign Bank Branches (Universal/Commercial Banks) 2013 - 2017 In Million Pesos

2017 Accounts 2013 20142015 2016 3.31 6.30 9.30 12.31 TOTAL ASSETS 895,121 900,390 842,161 894,994 955,896 938,082 971,353 907,295 Cash and Due from banks 316,390 293,415 230,238 248,550 271,291 248,394 258,722 197,993 Financial Assets, gross (net of amortization) 118,614 203,683 193,206 132,908 145,103 163,284 140,522 152,814 Accumulated Market Gains/Losses 345 178 (694) (413) (694) (383) (242) (756) Financial Assets, gross (net of amortization and Market Gains/Losses) 118,959 203,861 192,513 132,495 144,409 162,901 140,280 152,058 Allowance for Credit Losses 305 305 302 302 302 302 302 302 Financial Assets, gross (net of amortization and credit losses) 118,654 203,555 192,211 132,193 144,107 162,599 139,978 151,756 Loans, gross 1/ 442,529 385,579 409,933 504,045 525,133 514,019 563,466 548,075 Allowance for probable losses 9,699 12,130 10,805 8,753 9,060 8,668 8,931 9,276 Loans, net (inclusive of IBL) 432,830 373,449 399,128 495,292 516,073 505,351 554,535 538,799 Equity Investments gross 2,220 2,220 2,233 2,233 2,233 2,233 2,233 2,524 Allowance for probable losses 0 0 0 0 0 0 0 0 Equity Investments, net 2,220 2,220 2,233 2,233 2,233 2,233 2,233 2,524 Real and Other Properties Acquired, net 19 7 12 23 22 20 19 15 Other assets 25,008 27,744 18,340 16,702 22,170 19,486 15,866 16,208 LIABILITIES AND CAPITAL 895,121 900,390 842,161 894,994 955,896 938,082 971,353 907,295 LIABILITIES 772,575 699,630 723,269 760,916 820,487 800,340 829,577 763,747 Financial Liabilities Held for Trading 14,170 14,730 15,135 21,457 13,470 14,159 13,650 15,092 Financial Liabilities Designated at Fair 0 0 0 0 0 0 0 0 Value through Profit or Loss Deposit Liabilities 537,139 537,362 488,262 535,482 572,717 568,887 591,037 553,410 Peso Liabilities 347,839 322,635 274,385 298,554 286,855 295,710 301,749 288,062 Demand and NOW 157,567 171,095 143,967 150,867 135,303 142,301 146,725 144,268 Savings 65,605 64,747 70,117 87,385 92,850 86,008 88,412 82,418 Time 124,667 86,793 60,301 60,301 58,702 67,401 66,612 61,376 LTNCD 0 0 0 0 0 0 0 0 Foreign Currency 189,300 214,727 213,877 236,928 244,858 226,248 238,130 226,300 Bills Payable 10,480 8,806 6,893 3,673 5,907 14,664 9,192 4,063 Deposits Substitutes 145 0 25 0 0 0 0 0 Others 10,335 8,806 6,868 3,673 5,907 13,461 9,164 4,063 Special Financing 0 0 0 0 1 0 0 0 Unsecured Subordinated Debt 0 0 0 0 0 0 0 0 Redeemable Preferred Shares 0 0 0 0 0 0 0 0 Other Liabilities 210,787 138,732 212,979 200,305 228,392 202,630 215,698 191,181 TOTAL CAPITAL ACCOUNTS 122,545 200,760 118,893 134,078 135,409 137,742 141,776 143,548 Capital Stock 0 271 0 0 0 0 0 0 Assigned Capital 27,228 60,276 80,605 87,825 87,825 87,825 89,925 89,925 Net Due to Head Office 95,317 140,035 Accumulated Earnings 37,640 41,585 45,879 45,936 45,841 45,765 Other Equity Instruments 0 0 0 0 0 0 0 0 Retained Earnings & Undivided Profits 2/ 0 178 647 4,668 1,705 3,980 6,010 7,858

1/ Inclusive of unamortized discount/premium and net of amortization 2/ Inclusive of Other Comprehensive Income, Appraisal Increment Reserve,Stock Dividend Distributable and Deposit for Stock Subscription Details may not add up to totals due to rounding-off

Source: Supervisory Data Center, Financial Supervision Sector

II. 12 Table 2.a.2d BALANCE SHEET Foreign Bank Subsidiaries (Universal/Commercial Banks) 2013 - 2017 In Million Pesos

2017 Accounts 2013 2014 2015 2016 3.31 6.30 9.30 12.31 TOTAL ASSETS 101,837 105,492 118,458 132,358 137,855 140,602 147,391 149,243 Cash and Due from banks 24,756 23,581 23,937 30,823 28,205 27,703 27,703 24,760 Financial Assets, gross (net of amortization) 10,537 11,574 9,734 8,525 11,141 12,959 13,721 12,113 Accumulated Market Gains/Losses (190) (57) (53) (41) (35) (27) (18) (70) Financial Assets, gross (net of amortization and Market Gains/Losses) 10,347 11,517 9,681 8,485 11,106 12,931 13,702 12,043 Allowance for Credit Losses 190 190 190 190 189 0 0 0 Financial Assets, gross (net of amortization and credit losses) 10,157 11,328 9,491 8,295 10,917 12,931 13,702 12,043 Loans, gross 1/ 63,586 66,526 80,186 88,418 92,905 93,896 99,438 105,568 Allowance for probable losses 1,273 1,501 1,682 2,446 2,291 2,147 2,216 2,104 Loans, net (inclusive of IBL) 62,313 65,025 78,504 85,973 90,614 91,749 97,221 103,464 Equity Investments gross 0 0 0 0 0 0 0 0 Allowance for probable losses 0 0 0 0 0 0 0 0 Equity Investments, net 0 0 0 0 0 0 0 0 Real and Other Properties Acquired, net 733 758 1,006 1,082 1,512 1,430 1,473 1,456 Other assets 3,878 4,801 5,520 6,185 6,607 6,788 7,292 7,521 LIABILITIES AND CAPITAL 101,837 105,492 118,458 132,358 137,855 140,602 147,391 149,243 LIABILITIES 85,258 88,547 100,018 113,734 118,968 121,075 127,728 129,261 Financial Liabilities Held for Trading 220 183 171 128 106 152 131 342 Financial Liabilities Designated at Fair 0 0 0 0 0 0 0 0 Value through Profit or Loss

Deposit Liabilities 74,460 78,646 86,258 103,291 105,465 106,692 111,579 107,021 Peso Liabilities 63,082 59,304 71,178 86,052 85,880 87,505 88,017 84,872 Demand and NOW 22,111 22,950 26,575 28,727 28,893 27,328 29,453 29,360 Savings 13,575 11,265 10,858 14,198 17,249 15,869 15,525 15,698 Time 27,396 25,089 33,746 43,127 39,739 44,309 43,039 39,813 LTNCD 0 0 0 0 0 0 0 0 Foreign Currency 11,378 19,341 15,080 17,239 13,920 13,271 17,595 16,491 Bills Payable 7,140 4,878 8,682 4,976 6,873 8,382 9,652 13,972 Deposits Substitutes 0 0 0 0 1 1 1 1 Others 7,140 4,878 8,682 4,976 6,872 8,381 9,651 13,971 Special Financing 1 1 1 1 0 0 0 0 Unsecured Subordinated Debt 0 0 0 0 0 0 0 1,990 Redeemable Preferred Shares 0 0 0 0 0 0 0 0 Other Liabilities 3,437 4,839 4,905 5,337 6,524 5,850 6,366 5,936 TOTAL CAPITAL ACCOUNTS 16,579 16,946 18,441 18,625 18,886 19,527 19,662 19,981 Capital Stock 13,326 13,326 13,326 13,326 13,326 13,326 13,326 13,326 Assigned Capital 0 0 0 0 0 0 0 0 Net Due to Head Office Accumulated Earnings 0 0 0 0 0 0 Other Equity Instruments 0 0 0 0 0 0 0 0 Retained Earnings & Undivided Profits 2/ 3,254 3,620 5,115 5,299 5,561 6,202 6,337 6,656

II. 13 Table 2.b BALANCE SHEET Thrift Banks 2013 - 2017 In Million Pesos

2017 Accounts 2013 2014 2015 2016 3.31 6.30 9.30 12.31 TOTAL ASSETS 771,380 880,970 995,178 1,077,544 1,103,963 1,136,979 1,129,336 1,168,195 Cash and Due from banks 162,881 191,171 169,851 159,362 170,198 188,000 154,684 150,062 Financial Assets, gross (net of amortization) 69,508 79,662 98,714 102,617 104,512 110,005 111,145 117,368 Accumulated Market Gains/Losses (2,295) 62 (362) (1,088) (786) (533) (390) (716) Financial Assets, gross (net of amortization and Market Gains/Losses) 67,213 79,724 98,352 101,529 103,726 109,472 110,755 116,652 Allowance for Credit Losses 597 457 505 509 511 514 517 486 Financial Assets, gross (net of amortization and credit losses) 66,616 79,267 97,847 101,020 103,215 108,958 110,238 116,166 Loans, gross 1/ 508,199 576,057 688,892 778,133 792,147 802,118 825,100 860,304 Allowance for probable losses 20,107 19,468 23,045 26,775 27,883 27,751 28,179 26,929 Loans, net (inclusive of IBL) 488,092 556,589 665,847 751,359 764,264 774,366 796,921 833,375 Equity Investments gross 2,386 1,480 1,534 2,376 2,446 2,565 2,468 2,601 Allowance for probable losses 246 246 246 246 246 246 246 238 Equity Investments, net 2,140 1,234 1,288 2,129 2,200 2,318 2,221 2,363 Real and Other Properties Acquired, net 18,949 18,864 19,612 19,825 20,219 19,256 19,975 19,936 Other assets 32,701 33,845 40,734 43,849 43,868 44,081 45,298 46,294 LIABILITIES AND CAPITAL 771,380 880,970 995,178 1,077,544 1,103,963 1,136,979 1,129,336 1,168,195 LIABILITIES 685,813 772,180 867,067 941,657 963,936 995,652 983,628 1,021,582 Financial Liabilities Held for Trading 1 0 2 65 17 27 11 0 Financial Liabilities Designated at Fair 0 0 0 0 0 0 0 0 Value through Profit or Loss Deposit Liabilities 632,431 699,874 797,607 872,869 900,147 934,209 918,647 945,431 Peso Liabilities 588,153 654,756 743,211 815,459 838,244 874,534 861,292 882,397 Demand and NOW 60,424 59,244 70,904 75,580 77,586 82,834 84,183 87,984 Savings 194,941 220,430 241,624 253,042 252,240 250,565 254,565 258,069 Time 332,788 375,082 430,683 486,836 505,043 537,761 519,169 532,970 LTNCD 0 0 0 0 3,375 3,375 3,375 3,375 Foreign Currency 44,278 45,118 54,396 57,411 57,484 55,192 52,819 58,607 Bills Payable 23,652 36,446 31,180 29,113 24,142 20,423 24,464 32,963 Deposits Substitutes 0 0 2,001 3,856 4,132 2,653 3,827 2,422 Others 23,652 36,446 29,179 25,257 20,010 17,770 20,637 30,541 Special Financing 0 0 40 40 0 0 0 0 Unsecured Subordinated Debt 5,440 7,772 6,602 6,608 3,627 3,628 4,128 4,129 Redeemable Preferred Shares 132 782 732 721 721 764 764 764 Other Liabilities 24,158 27,306 30,905 32,241 35,282 36,602 35,613 38,296 TOTAL CAPITAL ACCOUNTS 85,567 108,789 128,111 135,887 140,027 141,327 145,709 146,612 Capital Stock 54,893 70,151 72,197 67,354 67,604 67,587 68,623 71,426 Assigned Capital 0 0 0 0 0 0 0 0 Net Due to Head Office Accumulated Earnings Other Equity Instruments 0 125 125 0 0 0 0 0 Retained Earnings & Undivided Profits 2/ 30,674 38,513 55,789 68,533 72,422 73,740 77,086 75,187

Details may not add up to totals due to rounding-off

Source: Supervisory Data Center, Financial Supervision Sector

II. 14 Table 2.c BALANCE SHEET Rural and Cooperative Banks 2013 - 2017 In Million Pesos

2017 Accounts 2013 2014 2015 2016 3.31 6.30 9.30 12.31 TOTAL ASSETS 202,327 218,382 198,787 211,931 217,878 223,697 229,169 234,687 Cash and Due from banks 45,223 50,666 51,003 52,700 54,673 54,081 53,056 53,612 Financial Assets, gross (net of amortization) 10,811 12,529 14,583 16,973 20,421 25,159 26,779 27,822 Accumulated Market Gains/Losses 394 255 (16) 14 16 16 15 (2) Financial Assets, gross (net of amortization and Market Gains/Losses) 11,204 12,783 14,567 16,987 20,438 25,175 26,794 27,819 Allowance for Credit Losses 436 325 238 194 168 167 145 146 Financial Assets, gross (net of amortization and credit losses) 10,768 12,458 14,329 16,793 20,270 25,008 26,649 27,673 Loans, gross 1/ 131,788 138,436 118,711 127,674 128,324 129,954 135,393 138,219 Allowance for probable losses 10,327 9,563 9,381 10,353 10,667 11,026 11,408 11,487 Loans, net (inclusive of IBL) 121,461 128,873 109,330 117,321 117,657 118,928 123,985 126,732 Equity Investments gross 113 154 169 186 245 222 286 314 Allowance for probable losses 0 0 0 7 7 7 7 7 Equity Investments, net 113 153 169 179 238 214 278 307 Real and Other Properties Acquired, net 11,071 10,890 9,999 9,978 9,734 9,907 9,890 9,934 Other assets 13,691 15,343 13,956 14,959 15,306 15,559 15,310 16,429 LIABILITIES AND CAPITAL 202,327 218,382 198,787 211,931 217,878 223,697 229,169 234,687 LIABILITIES 165,658 177,698 161,556 172,154 176,807 181,590 184,902 189,729 Financial Liabilities Held for Trading 0 0 0 0 0 0 0 0 Financial Liabilities Designated at Fair 0 0 0 0 0 0 0 0 Value through Profit or Loss

Deposit Liabilities 138,911 144,052 138,631 150,889 156,233 161,814 165,019 167,170 Peso Liabilities 138,829 143,964 138,531 150,769 156,108 161,679 164,757 166,915 Demand and NOW 4,185 4,724 4,617 4,070 4,077 4,297 4,240 4,380 Savings 85,985 86,776 92,783 106,158 111,860 117,091 119,417 121,183 Time 48,625 52,463 41,130 40,540 40,171 40,290 41,100 41,352 LTNCD 34 1 1 1 1 1 0 0 Foreign Currency 82 88 100 120 120 130 134 135 Bills Payable 16,287 22,325 14,918 13,947 11,519 10,770 10,986 13,100 Deposits Substitutes 0 160 19 0 0 0 0 0 Others 16,287 22,165 14,899 13,947 11,519 10,770 10,986 13,100 Special Financing 52 25 89 26 27 47 16 50 Unsecured Subordinated Debt 359 159 159 154 1,364 1,370 1,376 1,376 Redeemable Preferred Shares 188 154 155 143 147 148 131 124 Other Liabilities 9,861 10,983 7,606 6,995 7,516 7,440 7,375 7,909 TOTAL CAPITAL ACCOUNTS 36,668 40,684 37,230 39,777 41,071 42,107 44,267 44,958 Capital Stock 24,930 25,421 24,512 26,250 27,178 27,878 29,431 30,235 Assigned Capital 0 0 0 0 0 0 0 0 Net Due to Head Office Accumulated Earnings Other Equity Instruments 3 40 47 58 58 53 63 53 Retained Earnings & Undivided Profits 2/ 11,736 15,223 12,671 13,468 13,834 14,176 14,773 14,671

1/ Inclusive of unamortized discount/premium and net of amortization

2/ Inclusive of Other Comprehensive Income, Appraisal Increment Reserve,Stock Dividend Distributable and Deposit for Stock Subscription

Details may not add up to totals due to rounding-off

Source: Supervisory Data Center, Financial Supervision Sector

II. 15 Table 3 PUBLISHED BALANCE SHEET Universal, Commercial and Thrift Banks As of December 31, 2017 In Million Pesos

UNIVERSAL AND ACCOUNTS TOTAL THRIFT BANKS COMMERCIAL BANKS

ASSETS Cash and Cash Items 231,047 216,176 14,870 Due from Bangko Sentral ng Pilipinas 1,911,591 1,807,730 103,861 Due from Other Banks 381,609 349,853 31,757 Financial Assets at Fair Value through Profit or Loss 183,087 182,172 916 Available-for-Sale Financial Assets, Net 990,894 947,042 43,853 Held-to-Maturity (HTM) Financial Assets, Net 1,483,907 1,416,238 67,669 Unquoted Debt Securities Classified as Loans, Net 61,125 57,793 3,332 Investments in Non-Marketable Equity Security, Net 15,641 15,601 40 Loans and Receivables, Net 8,254,793 7,421,547 833,246 Loans to Bangko Sentral ng Pilipinas 0 0 0 Interbank Loans Receivable 244,151 242,289 1,862 Loans and Receivables - Others 7,710,973 6,905,027 805,946 Loans and Receivables Arising from RA/CA/PR/SLB 375,787 342,692 33,094 General Loan Loss Provision 76,117 68,461 7,656 Other Financial Assets 84,866 74,254 10,611 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 251,121 248,758 2,363 Bank Premises, Furniture, Fixture and Equipment, Net 130,910 118,634 12,276 Real and Other Properties Acquired, Net 57,223 42,266 14,957 Non-Current Assets Held for Sale 3,205 1,417 1,788 Other Assets, Net 296,154 269,467 26,686 Net Due from Head Office/Branches/Agencies, if any (Philippine branch of a 348 348 0 foreign bank) TOTAL ASSETS 14,337,522 13,169,295 1,168,227

LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 30,557 30,557 0 Deposit Liabilities 11,074,661 10,129,215 945,446 Due to Other Banks 30,244 30,226 18 Bills Payable 747,598 714,636 32,963 a) BSP (Rediscounting and Other Advances) 27,847 26,906 940 b) Interbank Loans Payable 320,686 295,204 25,482 c) Other Deposit Substitutes 293,068 290,646 2,422 d) Others 105,998 101,880 4,118 Bonds Payable, Net 107,854 107,854 0 Unsecured Subordinated Debt, Net 83,618 79,489 4,129 Redeemable Preferred Shares 764 0 764 Special Time Deposit 0 0 0 Due to Bangko Sentral ng Pilipinas 512 494 18 Other Financial Liabilities 164,705 152,359 12,346 Other Liabilities 331,188 305,279 25,909 Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign 171,448 171,448 0 bank) TOTAL LIABILITIES 12,743,150 11,721,557 1,021,593

STOCKHOLDERS' EQUITY Capital Stock 719,158 647,776 71,381 Other Capital Accounts 107,431 91,799 15,632 Retained Earnings 681,569 621,949 59,620 Assigned Capital 86,214 86,214 0 TOTAL STOCKHOLDERS' EQUITY 1,594,372 1,447,739 146,634

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 14,337,522 13,169,295 1,168,227

II. 16 Table 3 PUBLISHED BALANCE SHEET Universal, Commercial and Thrift Banks As of December 31, 2017 In Million Pesos

UNIVERSAL AND ACCOUNTS TOTAL THRIFT BANKS COMMERCIAL BANKS

CONTINGENT ACCOUNTS Guarantees Issued 38,172 38,159 13 Financial Standby Letters of Credit 47,137 47,008 129 Performance Standby Letters of Credit 196,234 195,833 401 Commercial Letters of Credit 118,977 118,430 547 Trade Related Guarantees 44,123 44,117 6 Commitments 1,066,418 1,062,317 4,101 Spot Foreign Exchange Contracts 185,696 185,031 666 Securities Held Under Custodianship by Bank Proper 1,444,522 1,444,522 0 Trust Department Accounts 2,183,750 2,138,303 45,448 a) Trust and Other Fiduciary Accounts 1,609,161 1,575,844 33,317 b) Agency Accounts 574,589 562,458 12,130 c) Advisory/Consultancy 0 0 0 Derivatives 2,950,523 2,946,816 3,707 Others 210,981 209,969 1,012 TOTAL CONTINGENT ACCOUNTS 8,486,534 8,430,505 56,029

ADDITIONAL INFORMATION Gross Total Loan Portfolio (TLP) 8,418,499 7,558,320 860,179 Specific allowance for credit losses on the TLP 87,589 68,312 19,277 Non-Performing Loans (NPL) a. Gross NPLs 129,311 88,825 40,487 b. Ratio of gross NPLs to gross TLP (%) c. Net NPLs 43,933 22,712 21,221 d. Ratio of Net NPLs to gross TLP (%) Classified Loans & Other Risk Assets, gross of allowance for credit losses 329,774 260,052 69,722 DOSRI Loans and receivables, gross of allowance for credit losses 222,902 219,424 3,478 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP (%) Gross non-performing DOSRI loans and receivables 3 3 0 Ratio of gross non-performing DOSRI loans and receivables to TLP (%) Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises b. 2% for Medium Enterprises Return on Equity (ROE) (%) Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) b. Tier 1 CAR (%) Deferred Charges not yet Written Down 677 0 677

Unbooked Allowance for Credit Losses on Financial Instruments Received 0 0 0

Details may not add up to totals due to rounding-off Source: Supervisory Data Center, Financial Supervision Sector

II. 17 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2017 In Million Pesos

CLASSIFIED BY NATURE OF OPERATION

ACCOUNTS TOTAL UNIVERSAL BANKS COMMERCIAL BANKS

ASSETS Cash and Cash Items 216,176 214,424 1,752 Due from Bangko Sentral ng Pilipinas 1,807,730 1,726,418 81,311 Due from Other Banks 349,853 315,759 34,094 Financial Assets at Fair Value through Profit or Loss 182,172 151,208 30,963 Available-for-Sale Financial Assets, Net 947,042 926,379 20,663 Held-to-Maturity (HTM) Financial Assets, Net 1,416,238 1,415,121 1,117 Unquoted Debt Securities Classified as Loans, Net 57,793 57,106 687 Investments in Non-Marketable Equity Security, Net 15,601 15,526 75 Loans and Receivables, Net 7,421,547 7,095,720 325,828 Loans to Bangko Sentral ng Pilipinas 0 0 0 Interbank Loans Receivable 242,289 194,388 47,901 Loans and Receivables - Others 6,905,027 6,712,123 192,904 Loans and Receivables Arising from RA/CA/PR/SLB 342,692 254,642 88,050 General Loan Loss Provision 68,461 65,433 3,028 Other Financial Assets 74,254 72,686 1,568 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 248,758 248,530 227 Bank Premises, Furniture, Fixture and Equipment, Net 118,634 117,152 1,482 Real and Other Properties Acquired, Net 42,266 42,266 0 Non-Current Assets Held for Sale 1,417 1,417 0 Other Assets, Net 269,467 263,722 5,746 Net Due from Head Office/Branches/Agencies, if any (Philippine branch of a 348 0 348 foreign bank) TOTAL ASSETS 13,169,295 12,663,433 505,862

LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 30,557 28,666 1,891 Deposit Liabilities 10,129,215 9,808,813 320,402 Due to Other Banks 30,226 3,821 26,404 Bills Payable 714,636 712,894 1,742 a) BSP (Rediscounting and Other Advances) 26,906 26,906 0 b) Interbank Loans Payable 295,204 293,468 1,735 c) Other Deposit Substitutes 290,646 290,646 0 d) Others 101,880 101,873 7 Bonds Payable, Net 107,854 107,854 0 Unsecured Subordinated Debt, Net 79,489 79,489 0 Redeemable Preferred Shares 0 0 0 Special Time Deposit 0 0 0 Due to Bangko Sentral ng Pilipinas 494 489 5 Other Financial Liabilities 152,359 139,539 12,820 Other Liabilities 305,279 287,476 17,803 Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign 171,448 105,327 66,121 bank) TOTAL LIABILITIES 11,721,557 11,274,368 447,188

STOCKHOLDERS' EQUITY Capital Stock 647,776 647,776 0 Other Capital Accounts 91,799 85,586 6,213 Retained Earnings 621,949 621,938 11 Assigned Capital 86,214 33,765 52,449 TOTAL STOCKHOLDERS' EQUITY 1,447,739 1,389,065 58,674

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 13,169,295 12,663,433 505,862

II. 18 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2017 In Million Pesos

CLASSIFIED BY NATURE OF OPERATION

ACCOUNTS TOTAL UNIVERSAL BANKS COMMERCIAL BANKS

CONTINGENT ACCOUNTS Guarantees Issued 38,159 29,690 8,469 Financial Standby Letters of Credit 47,008 42,689 4,318 Performance Standby Letters of Credit 195,833 163,355 32,478 Commercial Letters of Credit 118,430 114,900 3,530 Trade Related Guarantees 44,117 40,348 3,769 Commitments 1,062,317 922,383 139,934 Spot Foreign Exchange Contracts 185,031 154,097 30,934 Securities Held Under Custodianship by Bank Proper 1,444,522 707,333 737,189 Trust Department Accounts 2,138,303 2,138,254 49 a) Trust and Other Fiduciary Accounts 1,575,844 1,575,796 49 b) Agency Accounts 562,458 562,458 0 c) Advisory/Consultancy 0 0 0 Derivatives 2,946,816 2,730,744 216,073 Others 209,969 208,169 1,800 TOTAL CONTINGENT ACCOUNTS 8,430,505 7,251,962 1,178,543

ADDITIONAL INFORMATION Gross Total Loan Portfolio (TLP) 7,558,320 7,227,031 331,289 Specific allowance for credit losses on the TLP 68,312 65,878 2,434 Non-Performing Loans (NPL) a. Gross NPLs 88,825 87,831 993 b. Ratio of gross NPLs to gross TLP (%) c. Net NPLs 22,712 24,153 (1,441) d. Ratio of Net NPLs to gross TLP (%) Classified Loans & Other Risk Assets, gross of allowance for credit losses 260,052 241,392 18,660 DOSRI Loans and receivables, gross of allowance for credit losses 219,424 219,286 138 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP (%) Gross non-performing DOSRI loans and receivables 3 3 0 Ratio of gross non-performing DOSRI loans and receivables to TLP (%) Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises b. 2% for Medium Enterprises Return on Equity (ROE) (%) Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing 0 0 0 regulations a. Total CAR (%) b. Tier 1 CAR (%) Deferred Charges not yet Written Down 0 0 0 Unbooked Allowance for Credit Losses on Financial Instruments Received 0 0 0

Details may not add up to totals due to rounding-off Source: Supervisory Data Center, Financial Supervision Sector

II. 19 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2017 In Million Pesos

CLASSIFIED BY OWNERSHIP

ACCOUNTS PRIVATE DOMESTIC FOREIGN BANK FOREIGN BANK GOVERNMENT BANKS BANKS BRANCHES SUBSIDIARIES

ASSETS Cash and Cash Items 181,608 36,542 2,570 2,263 Due from Bangko Sentral ng Pilipinas 1,380,990 380,627 134,375 18,713 Due from Other Banks 282,188 25,107 61,048 3,783 Financial Assets at Fair Value through Profit or Loss 102,021 17,055 60,483 1,859 Available-for-Sale Financial Assets, Net 634,398 288,272 82,947 6,232 Held-to-Maturity (HTM) Financial Assets, Net 1,046,933 404,007 7,093 3,927 Unquoted Debt Securities Classified as Loans, Net 25,062 40,207 1,100 10 Investments in Non-Marketable Equity Security, Net 845 14,734 132 16 Loans and Receivables, Net 6,129,973 949,008 538,799 103,464 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivable 116,741 61,286 65,661 4,723 Loans and Receivables - Others 5,972,878 782,743 321,555 94,464 Loans and Receivables Arising from RA/CA/PR/SLB 97,628 113,116 156,300 5,163 General Loan Loss Provision 57,274 8,138 4,718 887 Other Financial Assets 62,298 13,078 2,769 824 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 244,015 4,666 2,524 0 Bank Premises, Furniture, Fixture and Equipment, Net 111,433 9,971 2,105 553 Real and Other Properties Acquired, Net 42,297 5,013 15 1,395 Non-Current Assets Held for Sale 983 489 0 0 Other Assets, Net 248,902 24,021 11,333 6,204 Net Due from Head Office/Branches/Agencies, if any (Philippine branch of a 0 0 348 0 foreign bank) TOTAL ASSETS 10,493,944 2,212,796 907,643 149,243

LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 17,084 19 15,092 342 Deposit Liabilities 8,115,718 1,838,218 553,410 107,021 Due to Other Banks 1,100 0 29,125 0 Bills Payable 601,488 121,652 4,063 13,972 a) BSP (Rediscounting and Other Advances) 31,444 62 0 0 b) Interbank Loans Payable 230,686 61,634 2,883 13,971 c) Other Deposit Substitutes 286,788 11,826 0 1 d) Others 52,571 48,130 1,180 0 Bonds Payable, Net 92,905 14,948 0 0 Unsecured Subordinated Debt, Net 69,494 9,996 0 1,990 Redeemable Preferred Shares 0 0 0 0 Special Time Deposit 0 0 0 0 Due to Bangko Sentral ng Pilipinas 39 412 44 0 Other Financial Liabilities 102,954 29,633 19,990 1,766 Other Liabilities 243,259 46,131 22,747 4,170 Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign 0 0 165,389 0 bank) TOTAL LIABILITIES 9,244,041 2,061,009 809,860 129,261

STOCKHOLDERS' EQUITY Capital Stock 656,445 39,486 0 13,341 Other Capital Accounts 60,161 23,113 7,255 1,069 Retained Earnings 533,298 89,188 603 5,571 Assigned Capital 0 0 89,925 0 TOTAL STOCKHOLDERS' EQUITY 1,249,903 151,788 97,783 19,981

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 10,493,944 2,212,796 907,643 149,243

II. 20 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2017 In Million Pesos

CLASSIFIED BY OWNERSHIP

ACCOUNTS PRIVATE DOMESTIC FOREIGN BANK FOREIGN BANK GOVERNMENT BANKS BANKS BRANCHES SUBSIDIARIES

CONTINGENT ACCOUNTS Guarantees Issued 21,698 680 17,083 151 Financial Standby Letters of Credit 28,670 7,191 13,389 2,875 Performance Standby Letters of Credit 119,395 3,148 67,938 874 Commercial Letters of Credit 86,103 25,692 7,527 1,593 Trade Related Guarantees 37,304 127 5,416 833 Commitments 675,478 112,429 279,840 12,884 Spot Foreign Exchange Contracts 94,231 2,097 87,464 2,227 Securities Held Under Custodianship by Bank Proper 0 0 1,110,183 0 Trust Department Accounts 2,040,157 268,830 180,304 7,214 a) Trust and Other Fiduciary Accounts 1,326,443 206,030 178,335 1,665 b) Agency Accounts 713,713 62,800 1,969 5,550 c) Advisory/Consultancy 0 0 0 0 Derivatives 1,962,307 33,071 975,439 39,368 Others 122,130 16,878 72,482 6,119 TOTAL CONTINGENT ACCOUNTS 5,187,473 470,143 2,817,067 74,138

ADDITIONAL INFORMATION Gross Total Loan Portfolio (TLP) 6,245,159 968,276 548,075 105,568 Specific allowance for credit losses on the TLP 57,913 11,131 4,558 1,217 Non-Performing Loans (NPL) 0 0 a. Gross NPLs 78,778 12,514 4,332 1,907 b. Ratio of gross NPLs to gross TLP (%) c. Net NPLs 1,384 (223) 690 d. Ratio of Net NPLs to gross TLP (%) Classified Loans & Other Risk Assets, gross of allowance for credit losses 218,447 36,492 22,100 6,801 DOSRI Loans and receivables, gross of allowance for credit losses 103,990 120,310 460 76 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP (%) Gross non-performing DOSRI loans and receivables 3 0 0 0 Ratio of gross non-performing DOSRI loans and receivables to TLP (%) Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises b. 2% for Medium Enterprises Return on Equity (ROE) (%) Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) b. Tier 1 CAR (%) Deferred Charges not yet Written Down 40 0 0 0 Unbooked Allowance for Credit Losses on Financial Instruments Received 0 0 0 0

Details may not add up to totals due to rounding-off Source: Supervisory Data Center, Financial Supervision Sector

II. 21 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2017 In Million Pesos

PRIVATE DOMESTIC BANKS

ACCOUNTS ASIA UNITED BANK BANK OF THE PHIL BDO PRIVATE BANK, BANK OF COMMERCE CORPORATION ISLANDS INC.

ASSETS Cash and Cash Items 4,280 1,385 34,160 0 Due from Bangko Sentral ng Pilipinas 26,512 25,704 227,121 11,972 Due from Other Banks 773 5,265 11,103 8,584 Financial Assets at Fair Value through Profit or Loss 8,010 101 8,764 3,351 Available-for-Sale Financial Assets, Net 18,446 16,968 9,641 14,262 Held-to-Maturity (HTM) Financial Assets, Net 0 12,565 251,954 12,828 Unquoted Debt Securities Classified as Loans, Net 785 727 0 3,479 Investments in Non-Marketable Equity Security, Net 12 37 175 6 Loans and Receivables, Net 130,055 65,893 990,825 7,926 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivable 3,205 107 10,502 0 Loans and Receivables - Others 127,872 62,283 991,316 4,610 Loans and Receivables Arising from RA/CA/PR/SLB 330 4,130 0 3,387 General Loan Loss Provision 1,353 628 10,994 71 Other Financial Assets 1,095 1,791 8,362 731 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 1,291 48 49,945 0 Bank Premises, Furniture, Fixture and Equipment, Net 1,004 1,206 10,040 42 Real and Other Properties Acquired, Net 376 2,487 530 0 Non-Current Assets Held for Sale 0 55 9 0 Other Assets, Net 4,339 4,266 33,759 1,314 Net Due from Head Office/Branches/Agencies, if any (Philippine branch of a 0 0 0 0 foreign bank) TOTAL ASSETS 196,979 138,500 1,636,388 64,495

LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 0 0 4,788 1,651 Deposit Liabilities 157,952 118,768 1,324,541 56,679 Due to Other Banks 0 0 246 0 Bills Payable 2,719 0 70,722 0 a) BSP (Rediscounting and Other Advances) 0 0 0 0 b) Interbank Loans Payable 749 0 45,712 0 c) Other Deposit Substitutes 1,186 0 24,985 0 d) Others 784 0 25 0 Bonds Payable, Net 0 0 0 0 Unsecured Subordinated Debt, Net 4,965 0 0 0 Redeemable Preferred Shares 0 0 0 0 Special Time Deposit 0 0 0 0 Due to Bangko Sentral ng Pilipinas 0 0 0 0 Other Financial Liabilities 1,393 918 12,398 641 Other Liabilities 3,069 3,067 46,851 175 Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign 0 0 0 0 bank) TOTAL LIABILITIES 170,098 122,753 1,459,546 59,147

STOCKHOLDERS' EQUITY Capital Stock 11,476 16,818 69,027 2,165 Other Capital Accounts 2,785 (812) 17,302 283 Retained Earnings 12,620 (259) 90,514 2,900 Assigned Capital 0 0 0 0 TOTAL STOCKHOLDERS' EQUITY 26,881 15,747 176,842 5,349

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 196,979 138,500 1,636,388 64,495

II. 22 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2017 In Million Pesos

PRIVATE DOMESTIC BANKS

ACCOUNTS ASIA UNITED BANK BANK OF THE PHIL BDO PRIVATE BANK, BANK OF COMMERCE CORPORATION ISLANDS INC.

CONTINGENT ACCOUNTS Guarantees Issued 144 1,085 92 13 Financial Standby Letters of Credit 0 165 4,312 0 Performance Standby Letters of Credit 1,098 296 3,069 0 Commercial Letters of Credit 1,508 375 10,546 0 Trade Related Guarantees 225 0 1,098 0 Commitments 12,473 4,696 96,454 72 Spot Foreign Exchange Contracts 1,105 1,535 19,231 197 Securities Held Under Custodianship by Bank Proper 0 0 0 0 Trust Department Accounts 19,221 24,681 0 294,396 a) Trust and Other Fiduciary Accounts 19,221 1,815 0 118,460 b) Agency Accounts 0 22,866 0 175,937 c) Advisory/Consultancy 0 0 0 0 Derivatives 812 0 562,486 41,766 Others 257 92 36,422 0 TOTAL CONTINGENT ACCOUNTS 36,842 32,925 733,708 336,445

ADDITIONAL INFORMATION Gross Total Loan Portfolio (TLP) 132,348 68,209 1,007,247 7,997 Specific allowance for credit losses on the TLP 940 1,689 5,429 0.00 Non-Performing Loans (NPL) a. Gross NPLs 1,305 1,905 8,073 0.00 b. Ratio of gross NPLs to gross TLP (%) 0.98 2.79 0.80 0.00 c. Net NPLs 365 216 2,644 0 d. Ratio of Net NPLs to gross TLP (%) 0.27 0.31 0.26 0.00 Classified Loans & Other Risk Assets, gross of allowance for credit losses 3,435 2,274 14,337 0 DOSRI Loans and receivables, gross of allowance for credit losses 101 2.92 4,335 0 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP (%) 0.07 0.00 0.43 0.00 Gross non-performing DOSRI loans and receivables 0 0 1 0 Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0.00 0.00 0.00 0.00 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 6.62 0.33 2.88 0.00 b. 2% for Medium Enterprises 6.23 1.65 6.10 0.00 Return on Equity (ROE) (%) 12.15 2.10 13.27 7.75 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 15.50 17.12 11.39 19.50 b. Tier 1 CAR (%) 11.97 16.39 10.48 19.25 Deferred Charges not yet Written Down 0 40 0 0 Unbooked Allowance for Credit Losses on Financial Instruments Received 0 0 0 0

Details may not add up to totals due to rounding-off

Source: Supervisory Data Center, Financial Supervision Sector

II. 23 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2017 In Million Pesos

PRIVATE DOMESTIC BANKS

ACCOUNTS CHINA BANKING EAST WEST BANKING METROPOLITAN BANK BDO UNIBANK INC CORP CORP & TCO

ASSETS Cash and Cash Items 47,576 10,559 6,707 24,975 Due from Bangko Sentral ng Pilipinas 340,584 91,717 38,792 224,723 Due from Other Banks 41,088 14,067 9,562 19,339 Financial Assets at Fair Value through Profit or Loss 4,107 16,057 7,468 32,271 Available-for-Sale Financial Assets, Net 69,256 42,925 0 270,077 Held-to-Maturity (HTM) Financial Assets, Net 181,697 61,533 6,472 0 Unquoted Debt Securities Classified as Loans, Net 18 1,000 324 26 Investments in Non-Marketable Equity Security, Net 200 12 0 148 Loans and Receivables, Net 1,716,485 402,150 203,070 1,007,799 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivable 37,694 0 12,388 27,208 Loans and Receivables - Others 1,679,840 388,212 191,350 989,714 Loans and Receivables Arising from RA/CA/PR/SLB 14,869 17,348 0 0 General Loan Loss Provision 15,918 3,410 668 9,123 Other Financial Assets 13,028 3,355 1,744 5,842 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 36,242 10,092 4,027 57,498 Bank Premises, Furniture, Fixture and Equipment, Net 30,568 4,416 2,696 15,970 Real and Other Properties Acquired, Net 8,618 419 1,397 2,201 Non-Current Assets Held for Sale 609 0 0 0 Other Assets, Net 43,219 7,632 18,896 49,027 Net Due from Head Office/Branches/Agencies, if any (Philippine branch of a 0 0 0 0 foreign bank) TOTAL ASSETS 2,533,296 665,934 301,155 1,709,895 . LIABILITIES . Financial Liabilities at Fair Value through Profit or Loss 1,666 268 174 5,352 Deposit Liabilities 2,044,050 559,486 243,291 1,313,948 Due to Other Banks 0 4 0 0 Bills Payable 55,404 20,118 4,125 106,535 a) BSP (Rediscounting and Other Advances) 0 0 1,825 25,000 b) Interbank Loans Payable 27,787 5,812 2,300 20,286 c) Other Deposit Substitutes 905 14,306 0 61,250 d) Others 26,712 0 0 0 Bonds Payable, Net 49,897 0 0 0 Unsecured Subordinated Debt, Net 10,000 0 4,973 22,437 Redeemable Preferred Shares 0 0 0 0 Special Time Deposit 0 0 0 0 Due to Bangko Sentral ng Pilipinas 0 0 0 0 Other Financial Liabilities 23,079 3,973 2,045 12,870 Other Liabilities 51,831 4,925 7,927 52,583 Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign 0 0 0 0 bank) TOTAL LIABILITIES 2,235,927 588,774 262,534 1,513,724

STOCKHOLDERS' EQUITY Capital Stock 171,787 43,982 20,209 99,801 Other Capital Accounts 20,598 (1,373) 4,922 (17,048) Retained Earnings 104,984 34,553 13,490 113,417 Assigned Capital 0 0 0 0 TOTAL STOCKHOLDERS' EQUITY 297,369 77,161 38,621 196,171

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 2,533,296 665,934 301,155 1,709,895

II. 24 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2017 In Million Pesos

PRIVATE DOMESTIC BANKS

ACCOUNTS CHINA BANKING EAST WEST BANKING METROPOLITAN BANK BDO UNIBANK INC CORP CORP & TCO

CONTINGENT ACCOUNTS Guarantees Issued 37 0 529 13,643 Financial Standby Letters of Credit 0 0 0 0 Performance Standby Letters of Credit 24,073 14,045 1,644 29,909 Commercial Letters of Credit 23,463 7,338 2,927 13,515 Trade Related Guarantees 22,559 745 2,521 5,305 Commitments 303,353 12,634 42,366 8,316 Spot Foreign Exchange Contracts 19,972 2,396 4,632 15,303 Securities Held Under Custodianship by Bank Proper 0 0 0 0 Trust Department Accounts 751,761 131,578 14,109 443,989 a) Trust and Other Fiduciary Accounts 517,464 69,989 14,109 309,225 b) Agency Accounts 234,298 61,589 0 134,765 c) Advisory/Consultancy 0 0 0 0 Derivatives 265,215 43,908 1,997 512,665 Others 8,553 2,888 8,945 8,910 TOTAL CONTINGENT ACCOUNTS 1,418,986 215,531 79,670 1,051,554

ADDITIONAL INFORMATION Gross Total Loan Portfolio (TLP) 1,743,923 407,503 209,759 1,021,564 Specific allowance for credit losses on the TLP 11,520 1,943 6,022 4,643 Non-Performing Loans (NPL) a. Gross NPLs 17,044 2,923 9,195 6,020 b. Ratio of gross NPLs to gross TLP (%) 0.97 0.71 4.38 0.58 c. Net NPLs 6,692 981 3,173 1,377 d. Ratio of Net NPLs to gross TLP (%) 0.38 0.24 1.51 0.13 Classified Loans & Other Risk Assets, gross of allowance for credit losses 46,846 13,836 8,693 17,372 DOSRI Loans and receivables, gross of allowance for credit losses 55,314 11,472 10,788 3,442 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP (%) 3.17 2.81 5.14 0.33 Gross non-performing DOSRI loans and receivables 0 0 0 0 Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0.00 0.00 0.00 0.00 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 1.49 2.84 1.46 2.19 b. 2% for Medium Enterprises 2.24 6.03 4.83 6.14 Return on Equity (ROE) (%) 9.68 9.84 13.86 8.87 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 13.83 14.78 13.45 13.51 b. Tier 1 CAR (%) 12.44 14.02 11.02 10.83 Deferred Charges not yet Written Down 0 0 0 0 Unbooked Allowance for Credit Losses on Financial Instruments Received 0 0 0 0

Details may not add up to totals due to rounding-off

Source: Supervisory Data Center, Financial Supervision Sector

II. 25 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2017 In Million Pesos

PRIVATE DOMESTIC BANKS

ACCOUNTS PHIL BANK OF PHILIPPINE VETERANS PHIL NATIONAL BANK PHIL TRUST COMPANY COMMUNICATIONS BANK

ASSETS Cash and Cash Items 941 16,896 828 825 Due from Bangko Sentral ng Pilipinas 15,279 105,497 25,587 17,442 Due from Other Banks 1,425 16,264 4,127 848 Financial Assets at Fair Value through Profit or Loss 2,739 2,820 0 862 Available-for-Sale Financial Assets, Net 52 67,435 66,869 5,152 Held-to-Maturity (HTM) Financial Assets, Net 15,801 26,685 3,425 600 Unquoted Debt Securities Classified as Loans, Net 3,273 10,933 0 991 Investments in Non-Marketable Equity Security, Net 0 174 0 23 Loans and Receivables, Net 47,380 436,358 46,145 17,328 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivable 62 11,130 0 811 Loans and Receivables - Others 47,783 414,544 24,608 14,905 Loans and Receivables Arising from RA/CA/PR/SLB 0 14,621 21,709 1,767 General Loan Loss Provision 465 3,937 172 155 Other Financial Assets 542 9,201 895 165 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 995 28,001 18 169 Bank Premises, Furniture, Fixture and Equipment, Net 1,688 21,981 2,693 960 Real and Other Properties Acquired, Net 528 8,723 2,626 1,860 Non-Current Assets Held for Sale 0 0 0 0 Other Assets, Net 5,727 28,825 1,134 2,416 Net Due from Head Office/Branches/Agencies, if any (Philippine branch of a 0 0 0 0 foreign bank) TOTAL ASSETS 96,370 779,795 154,348 49,640

LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 1 336 0 0 Deposit Liabilities 69,032 597,099 129,485 44,442 Due to Other Banks 0 837 0 0 Bills Payable 12,567 39,169 0 0 a) BSP (Rediscounting and Other Advances) 4,600 0 0 0 b) Interbank Loans Payable 0 3,817 0 0 c) Other Deposit Substitutes 7,967 35,351 0 0 d) Others 0 2 0 0 Bonds Payable, Net 0 0 0 0 Unsecured Subordinated Debt, Net 0 0 0 0 Redeemable Preferred Shares 0 0 0 0 Special Time Deposit 0 0 0 0 Due to Bangko Sentral ng Pilipinas 0 0 0 0 Other Financial Liabilities 633 7,670 246 517 Other Liabilities 2,127 25,786 637 1,411 Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign 0 0 0 0 bank) TOTAL LIABILITIES 84,361 670,897 130,369 46,371

STOCKHOLDERS' EQUITY Capital Stock 14,278 81,297 10,000 2,893 Other Capital Accounts 1,823 (4,735) 1,983 (1,284) Retained Earnings (4,092) 32,336 11,996 1,660 Assigned Capital 0 0 0 0 TOTAL STOCKHOLDERS' EQUITY 12,009 108,897 23,979 3,269

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 96,370 779,795 154,348 49,640

II. 26 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2017 In Million Pesos

PRIVATE DOMESTIC BANKS

ACCOUNTS PHIL BANK OF PHILIPPINE VETERANS PHIL NATIONAL BANK PHIL TRUST COMPANY COMMUNICATIONS BANK

CONTINGENT ACCOUNTS Guarantees Issued 0 11 0 0 Financial Standby Letters of Credit 2,072 21,282 0 0 Performance Standby Letters of Credit 0 9,965 42 81 Commercial Letters of Credit 483 7,242 321 79 Trade Related Guarantees 945 1,753 1 10 Commitments 28 34,909 0 537 Spot Foreign Exchange Contracts 947 5,086 0 100 Securities Held Under Custodianship by Bank Proper 0 0 0 0 Trust Department Accounts 5,267 88,002 897 10,219 a) Trust and Other Fiduciary Accounts 1,129 63,536 897 10,219 b) Agency Accounts 4,138 24,466 0 0 c) Advisory/Consultancy 0 0 0 0 Derivatives 0 110,420 0 0 Others 177 26,302 22 3 TOTAL CONTINGENT ACCOUNTS 9,919 304,972 1,284 11,029

ADDITIONAL INFORMATION Gross Total Loan Portfolio (TLP) 49,545 448,145 48,802 18,992 Specific allowance for credit losses on the TLP 1,699 7,850 2,484 1,509 Non-Performing Loans (NPL) a. Gross NPLs 2,189 9,026 1235.27 1,940 b. Ratio of gross NPLs to gross TLP (%) 4.41 2.01 2.53 10.21 c. Net NPLs 490 1,176 (1249.14) 431 d. Ratio of Net NPLs to gross TLP (%) 0.98 0.26 (2.55) 2.27 Classified Loans & Other Risk Assets, gross of allowance for credit losses 1,265 31,995 7,901 3,373 DOSRI Loans and receivables, gross of allowance for credit losses 17 7,991 1,955 23 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to 0.03 1.78 4.00 0.12 gross TLP (%) Gross non-performing DOSRI loans and receivables 0 2 0.00 0.00 Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0.00 0.00 0.00 0.00 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 1.34 1.06 8.94 3.10 b. 2% for Medium Enterprises 12.07 4.41 7.68 3.97 Return on Equity (ROE) (%) 2.64 7.08 7.10 (10.16) Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 15.85 12.03 39.02 10.92 b. Tier 1 CAR (%) 12.88 11.25 38.67 10.30 Deferred Charges not yet Written Down 0 0 0 0 Unbooked Allowance for Credit Losses on Financial Instruments Received 0 0 0 0

Details may not add up to totals due to rounding-off

Source: Supervisory Data Center, Financial Supervision Sector

II. 27 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2017 In Million Pesos

PRIVATE DOMESTIC BANKS

ACCOUNTS RIZAL COMMERCIAL ROBINSONS BANK UNION BANK OF THE SECURITY BANK CORP BANKING CORP CORPORATION PHILS

ASSETS Cash and Cash Items 10,501 1,851 7,955 6,249 Due from Bangko Sentral ng Pilipinas 47,186 15,621 56,592 60,350 Due from Other Banks 18,368 3,674 69,743 53,690 Financial Assets at Fair Value through Profit or Loss 6,561 48 4,495 3,010 Available-for-Sale Financial Assets, Net 3,455 19,014 0 44 Held-to-Maturity (HTM) Financial Assets, Net 48,130 0 229,593 167,886 Unquoted Debt Securities Classified as Loans, Net 1,199 0 0 0 Investments in Non-Marketable Equity Security, Net 0 24 0 0 Loans and Receivables, Net 268,223 58,581 366,526 211,540 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivable 38 424 4,227 4,793 Loans and Receivables - Others 263,238 56,190 363,494 204,616 Loans and Receivables Arising from RA/CA/PR/SLB 7,435 2,445 2,478 4,130 General Loan Loss Provision 2,488 478 3,673 2,000 Other Financial Assets 2,605 613 5,751 4,529 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 18,838 1,235 4,640 17,639 Bank Premises, Furniture, Fixture and Equipment, Net 7,376 866 3,148 5,149 Real and Other Properties Acquired, Net 606 185 701 4,831 Non-Current Assets Held for Sale 0 0 0 0 Other Assets, Net 10,277 1,394 6,624 21,165 Net Due from Head Office/Branches/Agencies, if any (Philippine branch of a 0 0 0 0 foreign bank) TOTAL ASSETS 443,326 103,106 755,769 556,082

LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 483 6 2,013 24 Deposit Liabilities 288,667 88,171 415,088 399,974 Due to Other Banks 1 0 12 0 Bills Payable 36,627 0 194,223 53,794 a) BSP (Rediscounting and Other Advances) 0 0 0 19 b) Interbank Loans Payable 30,938 0 86,480 6,805 c) Other Deposit Substitutes 5,688 0 107,743 21,974 d) Others 0 0 0 24,995 Bonds Payable, Net 28,059 0 14,948 0 Unsecured Subordinated Debt, Net 9,968 0 9,951 7,200 Redeemable Preferred Shares 0 0 0 0 Special Time Deposit 0 0 0 0 Due to Bangko Sentral ng Pilipinas 39 0 0 0 Other Financial Liabilities 2,766 989 8,041 10,548 Other Liabilities 9,823 1,826 8,061 16,768 Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign 0 0 0 0 bank) TOTAL LIABILITIES 376,434 90,993 652,336 488,309

STOCKHOLDERS' EQUITY Capital Stock 36,638 12,000 46,186 16,403 Other Capital Accounts 6,244 (817) 9,557 6,308 Retained Earnings 24,010 930 47,690 45,062 Assigned Capital 0 0 0 0 TOTAL STOCKHOLDERS' EQUITY 66,892 12,113 103,433 67,773

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 443,326 103,106 755,769 556,082

II. 28 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2017 In Million Pesos

PRIVATE DOMESTIC BANKS

ACCOUNTS RIZAL COMMERCIAL ROBINSONS BANK UNION BANK OF THE SECURITY BANK CORP BANKING CORP CORPORATION PHILS

CONTINGENT ACCOUNTS Guarantees Issued 5,416 185 0 545 Financial Standby Letters of Credit 0 185 0 654 Performance Standby Letters of Credit 11,789 0 18,850 2,404 Commercial Letters of Credit 5,266 298 5,987 980 Trade Related Guarantees 754 0 1,221 121 Commitments 35,689 338 97,161 23,937 Spot Foreign Exchange Contracts 12,401 952 3,845 4,189 Securities Held Under Custodianship by Bank Proper 0 0 0 0 Trust Department Accounts 64,378 16,425 50,194 42,074 a) Trust and Other Fiduciary Accounts 52,048 3,342 40,748 30,444 b) Agency Accounts 12,330 13,083 9,446 11,630 c) Advisory/Consultancy 0 0 0 0 Derivatives 88,053 1,936 306,677 26,372 Others 1,991 2,020 801 17,262 TOTAL CONTINGENT ACCOUNTS 225,737 22,339 484,735 118,538

ADDITIONAL INFORMATION Gross Total Loan Portfolio (TLP) 272,104 59,451 372,292 220,222 Specific allowance for credit losses on the TLP 1,394 392 2,093 6,683 Non-Performing Loans (NPL) a. Gross NPLs 2,851 765 2,126 7,919 b. Ratio of gross NPLs to gross TLP (%) 1.04 1.28 0.57 3.59 c. Net NPLs 1,457 373 34 2,265 d. Ratio of Net NPLs to gross TLP (%) 1 0.62 - 1.02 Classified Loans & Other Risk Assets, gross of allowance for credit losses 7,458 10,076 13,886 17,738 DOSRI Loans and receivables, gross of allowance for credit losses 509 5,292 2,006 479 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to 0 8.90 0.53 0.21 gross TLP (%) Gross non-performing DOSRI loans and receivables 1 0 0 0 Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0.00 0.00 0.00 0.00 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 1.24 4.47 0.30 2.86 b. 2% for Medium Enterprises 4.51 7.65 4.00 4.42 Return on Equity (ROE) (%) 6.73 2.29 9.61 11.20 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 15.33 19.76 17.20 13.50 b. Tier 1 CAR (%) 11.75 18.88 14.99 10.85 Deferred Charges not yet Written Down 0 0 0 0 Unbooked Allowance for Credit Losses on Financial Instruments Received 0 0 0 0

Details may not add up to totals due to rounding-off

Source: Supervisory Data Center, Financial Supervision Sector

II. 29 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2017 In Million Pesos

PRIVATE DOMESTIC BANKS

ACCOUNTS UNITED COCONUT PLANTERS BANK

ASSETS Cash and Cash Items 5,920 Due from Bangko Sentral ng Pilipinas 50,307 Due from Other Banks 4,268 Financial Assets at Fair Value through Profit or Loss 1,358 Available-for-Sale Financial Assets, Net 30,801 Held-to-Maturity (HTM) Financial Assets, Net 27,761 Unquoted Debt Securities Classified as Loans, Net 2,306 Investments in Non-Marketable Equity Security, Net 33 Loans and Receivables, Net 153,690 Loans to Bangko Sentral ng Pilipinas 0 Interbank Loans Receivable 4,154 Loans and Receivables - Others 148,300 Loans and Receivables Arising from RA/CA/PR/SLB 2,977 General Loan Loss Provision 1,741 Other Financial Assets 2,050 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 13,334 Bank Premises, Furniture, Fixture and Equipment, Net 1,629 Real and Other Properties Acquired, Net 6,211 Non-Current Assets Held for Sale 310 Other Assets, Net 8,889 Net Due from Head Office/Branches/Agencies, if any (Philippine branch of a 0 foreign bank) TOTAL ASSETS 308,867

LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 322 Deposit Liabilities 265,045 Due to Other Banks 0 Bills Payable 5,484 a) BSP (Rediscounting and Other Advances) 0 b) Interbank Loans Payable 0 c) Other Deposit Substitutes 5,432 d) Others 52 Bonds Payable, Net 0 Unsecured Subordinated Debt, Net 0 Redeemable Preferred Shares 0 Special Time Deposit 0 Due to Bangko Sentral ng Pilipinas 0 Other Financial Liabilities 14,227 Other Liabilities 6,391 Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign 0 bank) TOTAL LIABILITIES 291,469

STOCKHOLDERS' EQUITY Capital Stock 1,485 Other Capital Accounts 14,426 Retained Earnings 1,486 Assigned Capital 0 TOTAL STOCKHOLDERS' EQUITY 17,398

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 308,867

II. 30 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2017 In Million Pesos

PRIVATE DOMESTIC BANKS

ACCOUNTS UNITED COCONUT PLANTERS BANK

CONTINGENT ACCOUNTS Guarantees Issued 0 Financial Standby Letters of Credit 0 Performance Standby Letters of Credit 2,132 Commercial Letters of Credit 5,776 Trade Related Guarantees 47 Commitments 2,515 Spot Foreign Exchange Contracts 2,341 Securities Held Under Custodianship by Bank Proper 0 Trust Department Accounts 82,964 a) Trust and Other Fiduciary Accounts 73,798 b) Agency Accounts 9,166 c) Advisory/Consultancy 0 Derivatives 0 Others 7,485 TOTAL CONTINGENT ACCOUNTS 103,260

ADDITIONAL INFORMATION Gross Total Loan Portfolio (TLP) 157,055 Specific allowance for credit losses on the TLP 1,624 Non-Performing Loans (NPL) a. Gross NPLs 4,260 b. Ratio of gross NPLs to gross TLP (%) 2.71 c. Net NPLs 2,637 d. Ratio of Net NPLs to gross TLP (%) 1.67 Classified Loans & Other Risk Assets, gross of allowance for credit losses 17,963 DOSRI Loans and receivables, gross of allowance for credit losses 262 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to 0.16 gross TLP (%) Gross non-performing DOSRI loans and receivables 0 Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0.00 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 2.95 b. 2% for Medium Enterprises 6.72 Return on Equity (ROE) (%) 21 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 7.63 b. Tier 1 CAR (%) 7.63 Deferred Charges not yet Written Down 0 Unbooked Allowance for Credit Losses on Financial Instruments Received 0

Details may not add up to totals due to rounding-off

Source: Supervisory Data Center, Financial Supervision Sector

II. 31 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2017 In Million Pesos

GOVERNMENT BANKS

ACCOUNTS AL-AMANAH ISLAMIC DEVELOPMENT BANK LAND BANK OF THE BANK OF THE PHILS OF THE PHIL PHILIPPINES

ASSETS Cash and Cash Items 11 5,225 31,306 Due from Bangko Sentral ng Pilipinas 210 75,074 305,343 Due from Other Banks 42 19,948 5,117 Financial Assets at Fair Value through Profit or Loss 0 3,689 13,366 Available-for-Sale Financial Assets, Net 0 59,220 229,052 Held-to-Maturity (HTM) Financial Assets, Net 18 86,864 317,124 Unquoted Debt Securities Classified as Loans, Net 0 29,483 10,724 Investments in Non-Marketable Equity Security, Net 3 7,389 7,343 Loans and Receivables, Net 448 286,457 662,102 Loans to Bangko Sentral ng Pilipinas 0 0 0 Interbank Loans Receivable 0 17,429 43,857 Loans and Receivables - Others 210 210,721 571,813 Loans and Receivables Arising from RA/CA/PR/SLB 240 60,654 52,223 General Loan Loss Provision 1 2,347 5,790 Other Financial Assets 1 3,085 9,992 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 0 1,621 3,046 Bank Premises, Furniture, Fixture and Equipment, Net 5 2,834 7,132 Real and Other Properties Acquired, Net 0 1,103 3,909 Non-Current Assets Held for Sale 0 197 292 Other Assets, Net 5 14,863 9,153 Net Due from Head Office/Branches/Agencies, if any (Philippine branch of a 0 0 0 foreign bank) TOTAL ASSETS 742 597,053 1,615,001

LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 0 0 19 Deposit Liabilities 463 412,364 1,425,390 Due to Other Banks 0 0 0 Bills Payable 0 97,082 24,571 a) BSP (Rediscounting and Other Advances) 0 0 62 b) Interbank Loans Payable 0 61,634 0 c) Other Deposit Substitutes 0 11,826 0 d) Others 0 23,622 24,508 Bonds Payable, Net 0 14,948 0 Unsecured Subordinated Debt, Net 0 9,996 0 Redeemable Preferred Shares 0 0 0 Special Time Deposit 0 0 0 Due to Bangko Sentral ng Pilipinas 0 1 411 Other Financial Liabilities 6 2,782 26,845 Other Liabilities 29 12,933 33,169 Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign 0 0 0 bank) TOTAL LIABILITIES 498 550,105 1,510,405

STOCKHOLDERS' EQUITY Capital Stock 1,005 17,500 20,981 Other Capital Accounts (54) 3,697 19,470 Retained Earnings (707) 25,750 64,145 Assigned Capital 0 0 0 TOTAL STOCKHOLDERS' EQUITY 244 46,948 104,596

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 742 597,053 1,615,001

II. 32 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2017 In Million Pesos

GOVERNMENT BANKS

ACCOUNTS AL-AMANAH ISLAMIC DEVELOPMENT BANK LAND BANK OF THE BANK OF THE PHILS OF THE PHIL PHILIPPINES

CONTINGENT ACCOUNTS Guarantees Issued 0 0 680 Financial Standby Letters of Credit 0 2,052 5,139 Performance Standby Letters of Credit 0 1,171 1,977 Commercial Letters of Credit 0 928 24,764 Trade Related Guarantees 0 2 126 Commitments 0 19,734 92,695 Spot Foreign Exchange Contracts 0 599 1,498 Securities Held Under Custodianship by Bank Proper 0 0 0 Trust Department Accounts 0 36,439 232,391 a) Trust and Other Fiduciary Accounts 0 7,239 198,791 b) Agency Accounts 0 29,200 33,600 c) Advisory/Consultancy 0 0 0 Derivatives 0 5,496 27,574 Others 4 15,745 1,128 TOTAL CONTINGENT ACCOUNTS 4 82,166 387,973

ADDITIONAL INFORMATION Gross Total Loan Portfolio (TLP) 451 293,472 674,353 Specific allowance for credit losses on the TLP 1 4,668 6,461 Non-Performing Loans (NPL) a. Gross NPLs 5 5,910 6,599 b. Ratio of gross NPLs to gross TLP (%) 1.04 2.01 0.97 c. Net NPLs 3 1,242 138 d. Ratio of Net NPLs to gross TLP (%) 0.73 0.42 0.02 Classified Loans & Other Risk Assets, gross of allowance for credit losses 14 9,486 26,992 DOSRI Loans and receivables, gross of allowance for credit losses 0 42,815 77,495 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to 0.00 14.58 11.49 gross TLP (%) Gross non-performing DOSRI loans and receivables 0 0 0 Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0.00 0.00 0.00 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 32.63 3.86 10.86 b. 2% for Medium Enterprises 25.63 8.59 9.48 Return on Equity (ROE) (%) (20.08) 11.66 14.96 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 76.95 14.98 11.74 b. Tier 1 CAR (%) 76.58 11.07 10.90 Deferred Charges not yet Written Down 0 0 0

Unbooked Allowance for Credit Losses on Financial Instruments Received 0 0 0

Details may not add up to totals due to rounding-off Source: Supervisory Data Center, Financial Supervision Sector

II. 33 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2017 In Million Pesos

FOREIGN BANK BRANCHES BANK OF CHINA ACCOUNTS ANZ BANKING GROUP BANGKOK BANK BANK OF AMERICA LIMITED-MANILA LTD PUBLIC CO LTD N.A. BRANCH

ASSETS Cash and Cash Items 57 3 10 31 Due from Bangko Sentral ng Pilipinas 2,905 377 6,762 1,342 Due from Other Banks 2,792 153 183 162 Financial Assets at Fair Value through Profit or Loss 3,320 1 24 15 Available-for-Sale Financial Assets, Net 7,863 375 0 0 Held-to-Maturity (HTM) Financial Assets, Net 0 0 0 0 Unquoted Debt Securities Classified as Loans, Net 0 331 0 0 Investments in Non-Marketable Equity Security, Net 4 5 5 8 Loans and Receivables, Net 17,424 5,382 10,116 12,524 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivable 2,091 597 4,983 3,121 Loans and Receivables - Others 9,309 4,925 2,122 7,862 Loans and Receivables Arising from RA/CA/PR/SLB 6,228 231 3,039 1,652 General Loan Loss Provision 204 372 28 110 Other Financial Assets 206 14 15 75 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 0 0 0 0 Bank Premises, Furniture, Fixture and Equipment, Net 20 7 9 31 Real and Other Properties Acquired, Net 0 0 0 0 Non-Current Assets Held for Sale 0 0 0 0 Other Assets, Net 1,090 111 9 75 Net Due from Head Office/Branches/Agencies, if any (Philippine branch of a 0 0 0 0 foreign bank) TOTAL ASSETS 35,681 6,758 17,133 14,262

LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 1,623 7 23 15 Deposit Liabilities 16,740 2,513 13,435 10,384 Due to Other Banks 0 0 0 0 Bills Payable 1,148 0 0 237 a) BSP (Rediscounting and Other Advances) 0 0 0 0 b) Interbank Loans Payable 1,148 0 0 237 c) Other Deposit Substitutes 0 0 0 0 d) Others 0 0 0 0 Bonds Payable, Net 0 0 0 0 Unsecured Subordinated Debt, Net 0 0 0 0 Redeemable Preferred Shares 0 0 0 0 Special Time Deposit 0 0 0 0 Due to Bangko Sentral ng Pilipinas 17 0 2 0 Other Financial Liabilities 428 39 439 198 Other Liabilities 483 35 545 207 Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign 11,055 991 594 623 bank) TOTAL LIABILITIES 31,494 3,584 15,037 11,663

STOCKHOLDERS' EQUITY Capital Stock 0 0 0 0 Other Capital Accounts (39) 79 (0) 257 Retained Earnings 0 0 0 0 Assigned Capital 4,225 3,095 2,096 2,342 TOTAL STOCKHOLDERS' EQUITY 4,187 3,174 2,096 2,599

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 35,681 6,758 17,133 14,262

II. 34 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2017 In Million Pesos

FOREIGN BANK BRANCHES BANK OF CHINA ACCOUNTS ANZ BANKING GROUP BANGKOK BANK BANK OF AMERICA LIMITED-MANILA LTD PUBLIC CO LTD N.A. BRANCH

CONTINGENT ACCOUNTS Guarantees Issued 3,264 0 0 329 Financial Standby Letters of Credit 2,107 3 0 0 Performance Standby Letters of Credit 6,246 0 159 13,884 Commercial Letters of Credit 1,084 398 0 519 Trade Related Guarantees 3 20 0 5 Commitments 795 538 1 338 Spot Foreign Exchange Contracts 9,336 0 120 5 Securities Held Under Custodianship by Bank Proper 0 0 0 0 Trust Department Accounts 0 0 0 0 a) Trust and Other Fiduciary Accounts 0 0 0 0 b) Agency Accounts 0 0 0 0 c) Advisory/Consultancy 0 0 0 0 Derivatives 110,664 1,025 3,389 8,793 Others 67,417 54 22 538 TOTAL CONTINGENT ACCOUNTS 200,917 2,037 3,691 24,410

ADDITIONAL INFORMATION Gross Total Loan Portfolio (TLP) 17,628 5,787 10,144 12,672 Specific allowance for credit losses on the TLP 0 33 0 38 Non-Performing Loans (NPL) a. Gross NPLs 0 33 0 0 b. Ratio of gross NPLs to gross TLP (%) 0.00 0.57 0.00 0.00 c. Net NPLs 0.00 0.00 0.00 (37.86) d. Ratio of Net NPLs to gross TLP (%) 0.00 0.00 0.00 (0.29) Classified Loans & Other Risk Assets, gross of allowance for credit losses 1 33 2 12,967 DOSRI Loans and receivables, gross of allowance for credit losses 32 0 39 0 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to 0.17 0.00 0.38 0.00 gross TLP (%) Gross non-performing DOSRI loans and receivables 0 0 0 0 Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0.00 0.00 0.00 0.00 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 0.00 8.21 0.00 0.00 b. 2% for Medium Enterprises 0.86 3.02 0.00 0.00 Return on Equity (ROE) (%) 3.20 2.90 6.23 10.96 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 20.18 49.81 41.58 14.15 b. Tier 1 CAR (%) 19.54 48.83 41.09 13.58 Deferred Charges not yet Written Down 0 0 0 0

Unbooked Allowance for Credit Losses on Financial Instruments Received 0 0 0 0

Details may not add up to totals due to rounding-off Source: Supervisory Data Center, Financial Supervision Sector

II. 35 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2017 In Million Pesos

FOREIGN BANK BRANCHES

ACCOUNTS CATHAY UNITED BANK FIRST COMMERCIAL CO LTD - MANILA CITIBANK, N.A. DEUTSCHE BANK AG BANK LTD MANILA BRANCH BRANCH

ASSETS Cash and Cash Items 4 1,160 461 3 Due from Bangko Sentral ng Pilipinas 1,244 43,845 7,087 979 Due from Other Banks 432 791 3,033 28 Financial Assets at Fair Value through Profit or Loss 0 14,729 15,810 0 Available-for-Sale Financial Assets, Net 201 16,146 0 497 Held-to-Maturity (HTM) Financial Assets, Net 393 0 0 241 Unquoted Debt Securities Classified as Loans, Net 158 0 0 0 Investments in Non-Marketable Equity Security, Net 0 13 0 0 Loans and Receivables, Net 1,291 207,359 23,499 251 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivable 0 34,552 4 0 Loans and Receivables - Others 1,165 108,040 15,394 241 Loans and Receivables Arising from RA/CA/PR/SLB 137 66,403 8,261 12 General Loan Loss Provision 12 1,636 160 2 Other Financial Assets 24 1,166 63 8 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 0 227 0 0 Bank Premises, Furniture, Fixture and Equipment, Net 17 947 25 17 Real and Other Properties Acquired, Net 0 0 0 0 Non-Current Assets Held for Sale 0 0 0 0 Other Assets, Net 19 4,853 385 10 Net Due from Head Office/Branches/Agencies, if any (Philippine branch of a 0 0 0 12 foreign bank) TOTAL ASSETS 3,782 291,236 50,361 2,047

LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 0 761 769 0 Deposit Liabilities 41 194,814 23,400 24 Due to Other Banks 0 26,404 0 0 Bills Payable 0 7 0 0 a) BSP (Rediscounting and Other Advances) 0 0 0 0 b) Interbank Loans Payable 0 0 0 0 c) Other Deposit Substitutes 0 0 0 0 d) Others 0 7 0 0 Bonds Payable, Net 0 0 0 0 Unsecured Subordinated Debt, Net 0 0 0 0 Redeemable Preferred Shares 0 0 0 0 Special Time Deposit 0 0 0 0 Due to Bangko Sentral ng Pilipinas 0 0 0 0 Other Financial Liabilities 10 8,038 3,565 1 Other Liabilities 95 14,361 2,128 1 Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign 1,514 28,307 18,044 0 bank) TOTAL LIABILITIES 1,661 272,692 47,906 26

STOCKHOLDERS' EQUITY Capital Stock 0 0 0 0 Other Capital Accounts (5) 5,286 479 (37) Retained Earnings 0 98 0 (62) Assigned Capital 2,127 13,160 1,977 2,120 TOTAL STOCKHOLDERS' EQUITY 2,122 18,544 2,456 2,021

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 3,782 291,236 50,361 2,047

II. 36 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2017 In Million Pesos

FOREIGN BANK BRANCHES

ACCOUNTS CATHAY UNITED BANK FIRST COMMERCIAL CO LTD - MANILA CITIBANK, N.A. DEUTSCHE BANK AG BANK LTD MANILA BRANCH BRANCH

CONTINGENT ACCOUNTS Guarantees Issued 0 271 0 0 Financial Standby Letters of Credit 0 0 180 0 Performance Standby Letters of Credit 0 2,433 5,728 0 Commercial Letters of Credit 0 869 361 0 Trade Related Guarantees 0 1,519 2,225 0 Commitments 133 137,184 257 512 Spot Foreign Exchange Contracts 0 18,399 9,887 0 Securities Held Under Custodianship by Bank Proper 0 402,850 334,339 0 Trust Department Accounts 0 49 0 0 a) Trust and Other Fiduciary Accounts 0 49 0 0 b) Agency Accounts 0 0 0 0 c) Advisory/Consultancy 0 0 0 0 Derivatives 0 90,171 75,390 0 Others 0 378 771 0 TOTAL CONTINGENT ACCOUNTS 133 654,122 429,138 512

ADDITIONAL INFORMATION Gross Total Loan Portfolio (TLP) 1,303 211,330 23,659 253 Specific allowance for credit losses on the TLP 0 2,336 0 0 Non-Performing Loans (NPL) a. Gross NPLs 0 932 0 0 b. Ratio of gross NPLs to gross TLP (%) 0.00 0.44 0.00 0.00 c. Net NPLs 0 (1,404) 0 0 d. Ratio of Net NPLs to gross TLP (%) 0.00 (0.66) 0.00 0.00 Classified Loans & Other Risk Assets, gross of allowance for credit losses 0 5,322 0 0 DOSRI Loans and receivables, gross of allowance for credit losses 0 98 0 0 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to 0.00 0.04 0.00 0.00 gross TLP (%) Gross non-performing DOSRI loans and receivables 0 0 0 0 Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0.00 0.00 0.00 0.00 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 10.67 8.09 0.00 0.00 b. 2% for Medium Enterprises 2.67 0.02 0.00 18.74 Return on Equity (ROE) (%) (0.27) 19.68 5.15 0.00 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 172.88 17.71 16.00 718.06 b. Tier 1 CAR (%) 171.91 16.94 15.43 717.20 Deferred Charges not yet Written Down 0 0 0 0

Unbooked Allowance for Credit Losses on Financial Instruments Received 0 0 0 0

Details may not add up to totals due to rounding-off Source: Supervisory Data Center, Financial Supervision Sector

II. 37 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2017 In Million Pesos

FOREIGN BANK BRANCHES

ACCOUNTS HONGKONG & HUA NAN INDUSTRIAL BANK OF SHANGHAI BANKING COMMERCIAL BANK KOREA MANILA ING BANK N.V. CORP LTD MANILA BRANCH BRANCH

ASSETS Cash and Cash Items 740 0 1 2 Due from Bangko Sentral ng Pilipinas 19,247 1,564 1,707 1,277 Due from Other Banks 18,581 552 455 49 Financial Assets at Fair Value through Profit or Loss 11,435 0 0 5,085 Available-for-Sale Financial Assets, Net 38,846 0 0 2,647 Held-to-Maturity (HTM) Financial Assets, Net 0 0 0 0 Unquoted Debt Securities Classified as Loans, Net 0 0 107 0 Investments in Non-Marketable Equity Security, Net 27 0 16 0 Loans and Receivables, Net 67,289 0 1,634 10,023 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivable 450 0 0 490 Loans and Receivables - Others 50,580 0 1,598 7,383 Loans and Receivables Arising from RA/CA/PR/SLB 16,934 0 52 2,230 General Loan Loss Provision 675 0 16 80 Other Financial Assets 495 2 12 105 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 2,297 0 0 0 Bank Premises, Furniture, Fixture and Equipment, Net 238 22 18 57 Real and Other Properties Acquired, Net 15 0 0 0 Non-Current Assets Held for Sale 0 0 0 0 Other Assets, Net 2,919 10 9 239 Net Due from Head Office/Branches/Agencies, if any (Philippine branch of a 0 0 0 0 foreign bank) TOTAL ASSETS 162,129 2,150 3,959 19,485

LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 6,126 0 0 1,326 Deposit Liabilities 98,419 11 778 1,946 Due to Other Banks 315 0 0 0 Bills Payable 1,171 0 0 0 a) BSP (Rediscounting and Other Advances) 0 0 0 0 b) Interbank Loans Payable 0 0 0 0 c) Other Deposit Substitutes 0 0 0 0 d) Others 1,171 0 0 0 Bonds Payable, Net 0 0 0 0 Unsecured Subordinated Debt, Net 0 0 0 0 Redeemable Preferred Shares 0 0 0 0 Special Time Deposit 0 0 0 0 Due to Bangko Sentral ng Pilipinas 0 0 0 0 Other Financial Liabilities 4,225 0 5 27 Other Liabilities 2,773 12 17 388 Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign 34,423 57 865 13,185 bank) TOTAL LIABILITIES 147,452 80 1,665 16,871

STOCKHOLDERS' EQUITY Capital Stock 0 0 0 0 Other Capital Accounts 1,309 (31) 94 115 Retained Earnings 479 0 0 0 Assigned Capital 12,890 2,100 2,200 2,500 TOTAL STOCKHOLDERS' EQUITY 14,677 2,069 2,294 2,615

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 162,129 2,150 3,959 19,485

II. 38 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2017 In Million Pesos

FOREIGN BANK BRANCHES

ACCOUNTS HONGKONG & HUA NAN INDUSTRIAL BANK OF SHANGHAI BANKING COMMERCIAL BANK KOREA MANILA ING BANK N.V. CORP LTD MANILA BRANCH BRANCH

CONTINGENT ACCOUNTS Guarantees Issued 5,331 0 19 0 Financial Standby Letters of Credit 2,926 0 0 0 Performance Standby Letters of Credit 13,234 0 0 2,846 Commercial Letters of Credit 2,212 0 18 0 Trade Related Guarantees 575 0 0 0 Commitments 133,536 0 17 0 Spot Foreign Exchange Contracts 14,680 0 0 17,209 Securities Held Under Custodianship by Bank Proper 372,993 0 0 0 Trust Department Accounts 19,019 0 0 0 a) Trust and Other Fiduciary Accounts 17,050 0 0 0 b) Agency Accounts 1,969 0 0 0 c) Advisory/Consultancy 0 0 0 0 Derivatives 270,024 0 0 115,968 Others 3,075 0 0 4 TOTAL CONTINGENT ACCOUNTS 837,605 0 54 136,026

ADDITIONAL INFORMATION Gross Total Loan Portfolio (TLP) 68,282 0 1,650 10,106 Specific allowance for credit losses on the TLP 318 0 0 3 Non-Performing Loans (NPL) a. Gross NPLs 716 0 0 0 b. Ratio of gross NPLs to gross TLP (%) 1.04 0.00 0.00 0.00 c. Net NPLs 399 0 0 d. Ratio of Net NPLs to gross TLP (%) 0.58 0.00 0.00 Classified Loans & Other Risk Assets, gross of allowance for credit losses 423 0 0 65 DOSRI Loans and receivables, gross of allowance for credit losses 291 0 0 0 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to 0.42 0.00 0.00 0.00 gross TLP (%) Gross non-performing DOSRI loans and receivables 0 0 0 0 Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0 0 0 0 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 0.00 0.00 11.61 0.00 b. 2% for Medium Enterprises 0.10 0.00 6.51 0.00 Return on Equity (ROE) (%) 7.64 0.00 4.22 1.13 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 20.01 353.22 111.07 54.02 b. Tier 1 CAR (%) 19.36 353.22 110.30 53.66 Deferred Charges not yet Written Down 0 0 0 0

Unbooked Allowance for Credit Losses on Financial Instruments Received 0 0 0 0

Details may not add up to totals due to rounding-off Source: Supervisory Data Center, Financial Supervision Sector

II. 39 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2017 In Million Pesos

FOREIGN BANK BRANCHES

ACCOUNTS JP MORGAN CHASE KEB HANA BANK - MEGA INT'L COMM'L MIZUHO BANK LTD - BANK NATIONAL ASSN. MANILA BRANCH BANK CO LTD MANILA BRANCH

ASSETS Cash and Cash Items 2 49 9 14 Due from Bangko Sentral ng Pilipinas 6,059 632 1,334 8,039 Due from Other Banks 721 1,557 75 3,163 Financial Assets at Fair Value through Profit or Loss 6,097 0 5 204 Available-for-Sale Financial Assets, Net 3,127 0 1,182 0 Held-to-Maturity (HTM) Financial Assets, Net 0 4 0 5,975 Unquoted Debt Securities Classified as Loans, Net 0 95 102 306 Investments in Non-Marketable Equity Security, Net 5 6 0 6 Loans and Receivables, Net 20,990 6,652 10,436 61,322 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivable 0 0 2,497 12,483 Loans and Receivables - Others 174 6,061 7,824 40,609 Loans and Receivables Arising from RA/CA/PR/SLB 20,831 651 248 8,756 General Loan Loss Provision 16 59 132 526 Other Financial Assets 98 38 33 96 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 0 0 0 0 Bank Premises, Furniture, Fixture and Equipment, Net 97 8 136 134 Real and Other Properties Acquired, Net 0 0 0 0 Non-Current Assets Held for Sale 0 0 0 0 Other Assets, Net 37 39 10 43 Net Due from Head Office/Branches/Agencies, if any (Philippine branch of a 0 0 0 0 foreign bank) TOTAL ASSETS 37,232 9,079 13,323 79,302

LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 749 0 4 288 Deposit Liabilities 23,649 4,712 5,098 57,991 Due to Other Banks 0 0 0 0 Bills Payable 0 0 1,498 0 a) BSP (Rediscounting and Other Advances) 0 0 0 0 b) Interbank Loans Payable 0 0 1,498 0 c) Other Deposit Substitutes 0 0 0 0 d) Others 0 0 0 0 Bonds Payable, Net 0 0 0 0 Unsecured Subordinated Debt, Net 0 0 0 0 Redeemable Preferred Shares 0 0 0 0 Special Time Deposit 0 0 0 0 Due to Bangko Sentral ng Pilipinas 0 0 0 21 Other Financial Liabilities 79 85 72 286 Other Liabilities 350 97 42 84 Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign 11,064 2,510 4,692 15,168 bank) TOTAL LIABILITIES 35,891 7,404 11,406 73,837

STOCKHOLDERS' EQUITY Capital Stock 0 0 0 0 Other Capital Accounts (47) 146 96 65 Retained Earnings 0 0 0 0 Assigned Capital 1,388 1,530 1,821 5,400 TOTAL STOCKHOLDERS' EQUITY 1,341 1,676 1,917 5,465

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 37,232 9,079 13,323 79,302

II. 40 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2017 In Million Pesos

FOREIGN BANK BRANCHES

ACCOUNTS JP MORGAN CHASE KEB HANA BANK - MEGA INT'L COMM'L MIZUHO BANK LTD - BANK NATIONAL ASSN. MANILA BRANCH BANK CO LTD MANILA BRANCH

CONTINGENT ACCOUNTS Guarantees Issued 0 1,135 0 0 Financial Standby Letters of Credit 0 2,637 0 4,038 Performance Standby Letters of Credit 0 1,797 0 4,961 Commercial Letters of Credit 0 0 387 387 Trade Related Guarantees 0 0 0 0 Commitments 0 772 0 3,223 Spot Foreign Exchange Contracts 4,917 0 33 1,779 Securities Held Under Custodianship by Bank Proper 0 0 0 0 Trust Department Accounts 0 0 0 0 a) Trust and Other Fiduciary Accounts 0 0 0 0 b) Agency Accounts 0 0 0 0 c) Advisory/Consultancy 0 0 0 0 Derivatives 55,689 0 844 40,474 Others 0 0 0 150 TOTAL CONTINGENT ACCOUNTS 60,606 6,342 1,265 55,013

ADDITIONAL INFORMATION Gross Total Loan Portfolio (TLP) 21,006 6,722 10,570 61,862 Specific allowance for credit losses on the TLP 0 10 2 14 Non-Performing Loans (NPL) a. Gross NPLs 0 28 0 0 b. Ratio of gross NPLs to gross TLP (%) 0.00 0.41 0.00 0.00 c. Net NPLs 0 18 (2) (14) d. Ratio of Net NPLs to gross TLP (%) 0.00 0.26 (0.01) (0.02) Classified Loans & Other Risk Assets, gross of allowance for credit losses 0 28 9 285 DOSRI Loans and receivables, gross of allowance for credit losses 0 0 0 0 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP (%) - 0 0 0 Gross non-performing DOSRI loans and receivables 0 0 0 0 Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0 0 0 0 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 0.00 8.10 10.82 1.14 b. 2% for Medium Enterprises 0.00 3.76 9.95 0.00 Return on Equity (ROE) (%) (8.77) 6.92 3.82 2.46 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 25.57 19.53 21.61 14.78 b. Tier 1 CAR (%) 25.41 19.01 20.67 13.82 Deferred Charges not yet Written Down 0 0 0 0

Unbooked Allowance for Credit Losses on Financial Instruments Received 0 0 0 0

Details may not add up to totals due to rounding-off Source: Supervisory Data Center, Financial Supervision Sector

II. 41 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2017 In Million Pesos

FOREIGN BANK BRANCHES SUMITOMO MITSUI ACCOUNTS SHINHAN BANK - STANDARD CHARTERED BANKING THE BNK OF TOKYO- MANILA BRANCH BANK CORPORATION- MITSUBISHI UFJ LTD MANILA BRANCH

ASSETS Cash and Cash Items 11 3 3 7 Due from Bangko Sentral ng Pilipinas 1,070 12,265 8,946 5,750 Due from Other Banks 262 642 1,494 25,584 Financial Assets at Fair Value through Profit or Loss 0 3,379 2 378 Available-for-Sale Financial Assets, Net 0 9,801 0 2,246 Held-to-Maturity (HTM) Financial Assets, Net 448 0 0 31 Unquoted Debt Securities Classified as Loans, Net 0 0 0 0 Investments in Non-Marketable Equity Security, Net 17 0 16 6 Loans and Receivables, Net 1,255 34,289 14,462 31,078 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivable 0 2,247 2,148 0 Loans and Receivables - Others 1,224 18,999 9,610 27,074 Loans and Receivables Arising from RA/CA/PR/SLB 43 13,217 2,821 4,378 General Loan Loss Provision 12 174 118 373 Other Financial Assets 25 188 43 58 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 0 0 0 0 Bank Premises, Furniture, Fixture and Equipment, Net 18 36 191 42 Real and Other Properties Acquired, Net 0 0 0 0 Non-Current Assets Held for Sale 0 0 0 0 Other Assets, Net 32 1,240 51 145 Net Due from Head Office/Branches/Agencies, if any (Philippine branch of a 0 0 336 0 foreign bank) TOTAL ASSETS 3,138 61,843 25,544 65,326

LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 0 3,090 0 313 Deposit Liabilities 374 33,475 12,598 52,531 Due to Other Banks 0 2,406 0 0 Bills Payable 0 2 0 0 a) BSP (Rediscounting and Other Advances) 0 0 0 0 b) Interbank Loans Payable 0 0 0 0 c) Other Deposit Substitutes 0 0 0 0 d) Others 0 2 0 0 Bonds Payable, Net 0 0 0 0 Unsecured Subordinated Debt, Net 0 0 0 0 Redeemable Preferred Shares 0 0 0 0 Special Time Deposit 0 0 0 0 Due to Bangko Sentral ng Pilipinas 0 0 0 0 Other Financial Liabilities 9 2,121 10 348 Other Liabilities 13 837 84 167 Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign 532 13,452 0 7,302 bank) TOTAL LIABILITIES 928 55,382 12,691 60,660

STOCKHOLDERS' EQUITY Capital Stock 0 0 0 0 Other Capital Accounts 10 (425) (149) 87 Retained Earnings 0 113 0 0 Assigned Capital 2,200 6,774 13,002 4,579 TOTAL STOCKHOLDERS' EQUITY 2,210 6,461 12,853 4,666

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 3,138 61,843 25,544 65,326

II. 42 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2017 In Million Pesos

FOREIGN BANK BRANCHES SUMITOMO MITSUI ACCOUNTS SHINHAN BANK - STANDARD CHARTERED BANKING THE BNK OF TOKYO- MANILA BRANCH BANK CORPORATION- MITSUBISHI UFJ LTD MANILA BRANCH

CONTINGENT ACCOUNTS Guarantees Issued 0 0 3,421 3,312 Financial Standby Letters of Credit 0 0 0 1,499 Performance Standby Letters of Credit 3,248 8,174 0 5,228 Commercial Letters of Credit 70 296 0 926 Trade Related Guarantees 0 1,069 0 1 Commitments 191 2,336 0 8 Spot Foreign Exchange Contracts 0 8,609 43 2,445 Securities Held Under Custodianship by Bank Proper 0 0 0 0 Trust Department Accounts 0 161,237 0 0 a) Trust and Other Fiduciary Accounts 0 161,237 0 0 b) Agency Accounts 0 0 0 0 c) Advisory/Consultancy 0 0 0 0 Derivatives 0 166,547 279 36,131 Others 0 37 0 38 TOTAL CONTINGENT ACCOUNTS 3,510 348,304 3,744 49,587

ADDITIONAL INFORMATION Gross Total Loan Portfolio (TLP) 1,267 36,252 14,579 31,467 Specific allowance for credit losses on the TLP 0 1,788 0 15 Non-Performing Loans (NPL) a. Gross NPLs 0 2,622 0 0 b. Ratio of gross NPLs to gross TLP (%) 0.00 7.23 0.00 0.00 c. Net NPLs 0 833 0 (15) d. Ratio of Net NPLs to gross TLP (%) 0.00 2.29 0.00 (0.04) Classified Loans & Other Risk Assets, gross of allowance for credit losses 0 2,666 0 300 DOSRI Loans and receivables, gross of allowance for credit losses 0 0 0 0 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP (%) 0 0.00 0.00 0.00 Gross non-performing DOSRI loans and receivables 0 0 0 0 Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0 0 0 0 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 8.01 0.00 0.00 0.09 b. 2% for Medium Enterprises 14.54 0.02 0.22 0.00 Return on Equity (ROE) (%) 0.47 (2.46) (1.81) 2.18 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 83.54 16.01 82.69 13.67 b. Tier 1 CAR (%) 83.06 15.61 81.92 12.88 Deferred Charges not yet Written Down 0 0 0 0

Unbooked Allowance for Credit Losses on Financial Instruments Received 0 0 0 0

Details may not add up to totals due to rounding-off Source: Supervisory Data Center, Financial Supervision Sector

II. 43 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2017 In Million Pesos

FOREIGN BANK BRANCHES ACCOUNTS UNITED OVERSEAS BANK LIMITED MANILA BRANCH

ASSETS Cash and Cash Items 3 Due from Bangko Sentral ng Pilipinas 1,943 Due from Other Banks 340 Financial Assets at Fair Value through Profit or Loss 0 Available-for-Sale Financial Assets, Net 16 Held-to-Maturity (HTM) Financial Assets, Net 0 Unquoted Debt Securities Classified as Loans, Net 0 Investments in Non-Marketable Equity Security, Net 0 Loans and Receivables, Net 1,522 Loans to Bangko Sentral ng Pilipinas 0 Interbank Loans Receivable 0 Loans and Receivables - Others 1,363 Loans and Receivables Arising from RA/CA/PR/SLB 173 General Loan Loss Provision 14 Other Financial Assets 6 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 0 Bank Premises, Furniture, Fixture and Equipment, Net 34 Real and Other Properties Acquired, Net 0 Non-Current Assets Held for Sale 0 Other Assets, Net 7 Net Due from Head Office/Branches/Agencies, if any (Philippine branch of a 0 foreign bank) TOTAL ASSETS 3,871

LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 0 Deposit Liabilities 478 Due to Other Banks 0 Bills Payable 0 a) BSP (Rediscounting and Other Advances) 0 b) Interbank Loans Payable 0 c) Other Deposit Substitutes 0 d) Others 0 Bonds Payable, Net 0 Unsecured Subordinated Debt, Net 0 Redeemable Preferred Shares 0 Special Time Deposit 0 Due to Bangko Sentral ng Pilipinas 4 Other Financial Liabilities 4 Other Liabilities 31 Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign 1,013 bank) TOTAL LIABILITIES 1,530

STOCKHOLDERS' EQUITY Capital Stock 0 Other Capital Accounts (34) Retained Earnings (25) Assigned Capital 2,400 TOTAL STOCKHOLDERS' EQUITY 2,341

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 3,871

II. 44 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2017 In Million Pesos

FOREIGN BANK BRANCHES ACCOUNTS UNITED OVERSEAS BANK LIMITED MANILA BRANCH

CONTINGENT ACCOUNTS Guarantees Issued 0 Financial Standby Letters of Credit 0 Performance Standby Letters of Credit 0 Commercial Letters of Credit 0 Trade Related Guarantees 0 Commitments 0 Spot Foreign Exchange Contracts 2 Securities Held Under Custodianship by Bank Proper 0 Trust Department Accounts 0 a) Trust and Other Fiduciary Accounts 0 b) Agency Accounts 0 c) Advisory/Consultancy 0 Derivatives 50 Others 0 TOTAL CONTINGENT ACCOUNTS 52

ADDITIONAL INFORMATION Gross Total Loan Portfolio (TLP) 1,536 Specific allowance for credit losses on the TLP 0 Non-Performing Loans (NPL) a. Gross NPLs 0 b. Ratio of gross NPLs to gross TLP (%) 0.00 c. Net NPLs 0 d. Ratio of Net NPLs to gross TLP (%) 0.00 Classified Loans & Other Risk Assets, gross of allowance for credit losses 0 DOSRI Loans and receivables, gross of allowance for credit losses 0 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP (%) 0.00 Gross non-performing DOSRI loans and receivables 0 Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 0.00 b. 2% for Medium Enterprises 0.00 Return on Equity (ROE) (%) (1.53) Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 128.56 b. Tier 1 CAR (%) 127.81 Deferred Charges not yet Written Down 0

Unbooked Allowance for Credit Losses on Financial Instruments Received 0

Details may not add up to totals due to rounding-off Source: Supervisory Data Center, Financial Supervision Sector

II. 45 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2017 In Million Pesos

FOREIGN BANK SUBSIDIARIES ACCOUNTS CTBC BANK MAYBANK PHILIPPINES (PHILIPPINES) CORP INC

ASSETS Cash and Cash Items 452 1,810 Due from Bangko Sentral ng Pilipinas 3,493 15,221 Due from Other Banks 879 2,904 Financial Assets at Fair Value through Profit or Loss 416 1,443 Available-for-Sale Financial Assets, Net 1,058 5,174 Held-to-Maturity (HTM) Financial Assets, Net 1,110 2,816 Unquoted Debt Securities Classified as Loans, Net 10 0 Investments in Non-Marketable Equity Security, Net 12 3 Loans and Receivables, Net 31,324 72,139 Loans to Bangko Sentral ng Pilipinas 0 0 Interbank Loans Receivable 4,412 311 Loans and Receivables - Others 27,079 67,385 Loans and Receivables Arising from RA/CA/PR/SLB 207 4,956 General Loan Loss Provision 373 513 Other Financial Assets 153 672 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 0 0 Bank Premises, Furniture, Fixture and Equipment, Net 202 352 Real and Other Properties Acquired, Net 110 1,286 Non-Current Assets Held for Sale 0 0 Other Assets, Net 822 5,382 Net Due from Head Office/Branches/Agencies, if any (Philippine branch of a 0 0 foreign bank) TOTAL ASSETS 40,041 109,202

LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 63 279 Deposit Liabilities 26,702 80,319 Due to Other Banks 0 0 Bills Payable 4,285 9,687 a) BSP (Rediscounting and Other Advances) 0 0 b) Interbank Loans Payable 4,285 9,686 c) Other Deposit Substitutes 0 1 d) Others 0 0 Bonds Payable, Net 0 0 Unsecured Subordinated Debt, Net 0 1,990 Redeemable Preferred Shares 0 0 Special Time Deposit 0 0 Due to Bangko Sentral ng Pilipinas 0 0 Other Financial Liabilities 414 1,352 Other Liabilities 1,544 2,626 Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign 0 0 bank) TOTAL LIABILITIES 33,008 96,254

STOCKHOLDERS' EQUITY Capital Stock 2,533 10,808 Other Capital Accounts 133 936 Retained Earnings 4,367 1,204 Assigned Capital 0 0 TOTAL STOCKHOLDERS' EQUITY 7,033 12,948

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 40,041 109,202

II. 46 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2017 In Million Pesos

FOREIGN BANK SUBSIDIARIES ACCOUNTS CTBC BANK MAYBANK PHILIPPINES (PHILIPPINES) CORP INC

CONTINGENT ACCOUNTS Guarantees Issued 0 151 Financial Standby Letters of Credit 1,876 999 Performance Standby Letters of Credit 111 763 Commercial Letters of Credit 746 846 Trade Related Guarantees 3 829 Commitments 0 12,884 Spot Foreign Exchange Contracts 1,348 879 Securities Held Under Custodianship by Bank Proper 0 0 Trust Department Accounts 1,667 5,548 a) Trust and Other Fiduciary Accounts 736 928 b) Agency Accounts 930 4,619 c) Advisory/Consultancy 0 0 Derivatives 12,136 27,232 Others 1,824 4,295 TOTAL CONTINGENT ACCOUNTS 19,711 54,427

ADDITIONAL INFORMATION Gross Total Loan Portfolio (TLP) 32,101 73,466 Specific allowance for credit losses on the TLP 404 813 Non-Performing Loans (NPL) a. Gross NPLs 402 1,505 b. Ratio of gross NPLs to gross TLP (%) 1.25 2.04 c. Net NPLs (2) 692 d. Ratio of Net NPLs to gross TLP (%) 0 0.94 Classified Loans & Other Risk Assets, gross of allowance for credit losses 647 6,155 DOSRI Loans and receivables, gross of allowance for credit losses 22 55 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP (%) 0 0.07 Gross non-performing DOSRI loans and receivables 0 0 Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0 0 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 2.81 2.28 b. 2% for Medium Enterprises 3.33 1.84 Return on Equity (ROE) (%) 3.01 9.19 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 19.40 16.52 b. Tier 1 CAR (%) 18.53 13.37

Deferred Charges not yet Written Down 0 0 Unbooked Allowance for Credit Losses on Financial Instruments Received 0 0

Details may not add up to totals due to rounding-off Source: Supervisory Data Center, Financial Supervision Sector

II. 47 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2017 In Million Pesos

THRIFT BANKS

BANGKO KABAYAN ACCOUNTS 1ST VALLEY BANK INC ALLBANK (A THRIFT TOTAL INC (A PRIVATE A DEVELOPMENT BANK BANK) INC DEVELOPMENT BANK)

ASSETS Cash and Cash Items 14,870 83 26 38 Due from Bangko Sentral ng Pilipinas 103,861 389 617 186 Due from Other Banks 31,757 425 149 348 Financial Assets at Fair Value through Profit or Loss 916 0 0 0 Available for Sale Financial Assets, Net 43,853 0 0 158 Held to Maturity (HTM) Financial Assets, Net 67,669 385 4 162 Unquoted Debt Securities Classified as Loans, Net 3,332 0 70 0 Investments in Non-Marketable Equity Security, Net 40 0 0 0 Loans and Receivables, Net 833,246 5,335 1,915 1,652 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivables 1,862 0 0 0 Loans and Receivables - Others 805,946 5,387 1,523 1,667 Loans and Receivables Arising from Repo, CA/Participation 33,094 0 406 0 General Loan Loss Provision 7,656 52 14 16 Other Financial Assets 10,611 121 5 54 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 2,363 4 0 0 Bank Premises, Furniture, Fixture and Equipment, Net 12,276 110 44 113 Real and Other Properties Acquired , Net 14,957 113 6 106 Non-Current Assets Held for Sale 1,788 0 0 0 Other Assets, Net 26,686 165 111 41 Due from Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL ASSETS 1,168,227 7,129 2,945 2,857 . . . LIABILITIES . . . Financial Liabilities at Fair Value through Profit or Loss 0 0 0 0 Deposit Liabilities 945,446 4,270 1,869 2,305 Due to Other Banks 18 0 0 0 Bills Payable 32,963 809 0 20 a) BSP (Rediscounting and Other Advances) 940 0 0 0 b) Interbank Loans Payable 25,482 0 0 0 c) Other Deposit Substitutes 2,422 0 0 0 d) Others 4,118 809 0 20 Bonds Payable, Net 0 0 0 0 Unsecured Subordinated Debt, Net 4,129 0 0 0 Redeemable Preferred Shares 764 0 0 0 Special Time Deposit 0 0 0 0 Due to Bangko Sentral ng Pilipinas 18 0 0 0 Other Financial Liabilities 12,346 206 16 15 Other Liabilities 25,909 180 39 31 Due to Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL LIABILITIES 1,021,593 5,465 1,925 2,371 . . . STOCKHOLDERS' EQUITY . . . Capital Stock 71,381 639 920 320 Other Capital Accounts 15,632 184 22 37 Retained Earnings 59,620 841 78 130 Assigned Capital 0 0 0 0 TOTAL STOCKHOLDERS' EQUITY 146,634 1,664 1,021 486 . . . TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 1,168,227 7,129 2,945 2,857

II. 48 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2017 In Million Pesos

THRIFT BANKS

BANGKO KABAYAN ACCOUNTS 1ST VALLEY BANK INC ALLBANK (A THRIFT TOTAL INC (A PRIVATE A DEVELOPMENT BANK BANK) INC DEVELOPMENT BANK)

. . . CONTINGENT ACCOUNTS . . . Guarantees Issued 13 0 0 4 Financial Standby Letters of Credit 129 0 0 0 Performance Standby Letters of Credit 401 0 0 0 Commercial Letters of Credit 547 0 0 0 Trade Related Guarantees 6 0 0 0 Commitments 4,101 0 0 44 Spot Foreign Exchange Contracts 666 0 0 0 Securities Held Under Custodianship by Bank Proper 0 0 0 0 Trust Department Accounts 45,448 0 0 0 a) Trust and Other Fudiciary Accounts 33,317 0 0 0 b) Agency Accounts 12,130 0 0 0 c) Advisory/Consultancy 0 0 0 0 Derivatives 3,707 0 0 0 Others 1,012 0 0 0 TOTAL CONTINGENT ACCOUNTS 56,029 0 0 49 . . . OTHER INFORMATION . . . Gross Total Loan Portfolio (TLP) 860,179 5,545 1,940 1,677 Specific allowance for credit losses on the TLP 19,277 159 11 10 Non-Performing Loans (NPL) a. Gross NPLs 40,487 524 63 17 b. Ratio of gross NPLs to gross TLP (%) 9.45 3.26 1.02 c. Net NPLs 21,221 366 52 8 d. Ratio of Net NPLs to gross TLP (%) 6.59 2.68 0.45 Classified Loans & Other Risk Assets, gross of allowance for credit losses 69,722 548 124 187 DOSRI Loans and receivables, gross of allowance for credit losses 3,478 3 0 1 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to 0.05 0.00 0.07 gross TLP (%) Gross non-performing DOSRI loans and receivables 0 0 0 0 Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0.00 0.00 0.00 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 22.86 8.49 34.88 b. 2% for Medium Enterprises 7.29 13.66 37.23 Return on Equity (ROE) (%) 11.90 2.30 9.21 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 22.64 54.62 17.43 b. Tier 1 CAR (%) 0.00 0.00 16.86 Deferred Charges not yet Written Down 677 0 0 0

Unbooked Allowance for Credit Losses on Financial Instruments Received 0 0 0 0

Details may not add up to totals due to rounding-off Source: Supervisory Data Center, Financial Supervision Sector

II. 49 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2017 In Million Pesos

THRIFT BANKS

ACCOUNTS BANK OF MAKATI (A BANK ONE SAVINGS BATAAN BPI DIRECT BANKO INC SAVINGS BANK) INC AND TRUST CORP. DEVELOPMENT BANK A SAVINGS BANK

ASSETS Cash and Cash Items 59 13 10 26 Due from Bangko Sentral ng Pilipinas 2,116 243 28 8,794 Due from Other Banks 320 58 123 967 Financial Assets at Fair Value through Profit or Loss 0 0 0 0 Available for Sale Financial Assets, Net 2,776 7 0 103 Held to Maturity (HTM) Financial Assets, Net 40 37 2 0 Unquoted Debt Securities Classified as Loans, Net 351 0 0 0 Investments in Non-Marketable Equity Security, Net 0 0 0 0 Loans and Receivables, Net 21,662 1,152 167 4,370 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivables 0 0 0 0 Loans and Receivables - Others 20,699 512 168 4,290 Loans and Receivables Arising from Repo, CA/Participation 1,016 646 0 165 General Loan Loss Provision 53 6 1 85 Other Financial Assets 429 52 26 37 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 1,129 0 0 0 Bank Premises, Furniture, Fixture and Equipment, Net 131 6 3 208 Real and Other Properties Acquired , Net 180 114 48 76 Non-Current Assets Held for Sale 316 0 0 0 Other Assets, Net 892 17 7 448 Due from Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL ASSETS 30,401 1,699 414 15,030 . . . . LIABILITIES . . . . Financial Liabilities at Fair Value through Profit or Loss 0 0 0 0 Deposit Liabilities 20,363 1,085 324 12,838 Due to Other Banks 0 0 0 0 Bills Payable 0 0 0 0 a) BSP (Rediscounting and Other Advances) 0 0 0 0 b) Interbank Loans Payable 0 0 0 0 c) Other Deposit Substitutes 0 0 0 0 d) Others 0 0 0 0 Bonds Payable, Net 0 0 0 0 Unsecured Subordinated Debt, Net 0 0 0 0 Redeemable Preferred Shares 0 0 0 0 Special Time Deposit 0 0 0 0 Due to Bangko Sentral ng Pilipinas 0 0 0 0 Other Financial Liabilities 1,857 4 1 43 Other Liabilities 953 19 3 101 Due to Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL LIABILITIES 23,173 1,108 329 12,983 . . . . STOCKHOLDERS' EQUITY . . . . Capital Stock 4,750 330 62 406 Other Capital Accounts 1,461 38 6 86 Retained Earnings 1,016 222 16 1,556 Assigned Capital 0 0 0 0 TOTAL STOCKHOLDERS' EQUITY 7,228 590 85 2,047 . . . . TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 30,401 1,699 414 15,030

II. 50 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2017 In Million Pesos

THRIFT BANKS

ACCOUNTS BANK OF MAKATI (A BANK ONE SAVINGS BATAAN BPI DIRECT BANKO INC SAVINGS BANK) INC AND TRUST CORP. DEVELOPMENT BANK A SAVINGS BANK

. . . . CONTINGENT ACCOUNTS . . . . Guarantees Issued 0 0 0 0 Financial Standby Letters of Credit 0 0 0 0 Performance Standby Letters of Credit 0 0 0 0 Commercial Letters of Credit 0 0 0 0 Trade Related Guarantees 0 0 0 0 Commitments 0 0 0 0 Spot Foreign Exchange Contracts 0 0 0 0 Securities Held Under Custodianship by Bank Proper 0 0 0 0 Trust Department Accounts 0 0 0 0 a) Trust and Other Fudiciary Accounts 0 0 0 0 b) Agency Accounts 0 0 0 0 c) Advisory/Consultancy 0 0 0 0 Derivatives 0 0 0 0 Others 0 0 0 0 TOTAL CONTINGENT ACCOUNTS 0 0 0 0 . . . . OTHER INFORMATION . . . . Gross Total Loan Portfolio (TLP) 23,380 1,196 190 4,806 Specific allowance for credit losses on the TLP 1,664 38 23 350 Non-Performing Loans (NPL) a. Gross NPLs 2,113 50 27 446 b. Ratio of gross NPLs to gross TLP (%) 9.03 4.17 14.23 9.27 c. Net NPLs 449 12 5 95 d. Ratio of Net NPLs to gross TLP (%) 1.91 0.97 2.38 1.98

Classified Loans & Other Risk Assets, gross of allowance for credit losses 2,776 240 102 598

DOSRI Loans and receivables, gross of allowance for credit losses 465 0 3 1 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to 1.99 0.00 1.83 0.01 gross TLP (%) Gross non-performing DOSRI loans and receivables 0 0 0 0 Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0.00 0.00 0.00 0.00 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 9.72 43.29 34.61 14.33 b. 2% for Medium Enterprises 4.28 14.01 14.22 0.26 Return on Equity (ROE) (%) 20.84 6.02 7.94 4.07 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 17.35 69.35 19.63 33.89 b. Tier 1 CAR (%) 17.35 68.64 21.76 33.14 Deferred Charges not yet Written Down 0 0 5 0

Unbooked Allowance for Credit Losses on Financial Instruments Received 0 0 0 0

Details may not add up to totals due to rounding-off Source: Supervisory Data Center, Financial Supervision Sector

II. 51 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2017 In Million Pesos

THRIFT BANKS BUSINESS AND ACCOUNTS BPI FAMILY SAVINGS CARD SME BANK INC CENTURY SAVINGS CONSUMERS BANK (A BANK INC A THRIFT BANK BANK CORPORATION DB)

ASSETS Cash and Cash Items 920 7 16 5 Due from Bangko Sentral ng Pilipinas 19,492 21 233 400 Due from Other Banks 3,378 90 431 51 Financial Assets at Fair Value through Profit or Loss 0 0 0 0 Available for Sale Financial Assets, Net 8,771 0 0 69 Held to Maturity (HTM) Financial Assets, Net 19,199 0 97 75 Unquoted Debt Securities Classified as Loans, Net 0 0 20 0 Investments in Non-Marketable Equity Security, Net 3 0 0 0 Loans and Receivables, Net 206,204 149 3,872 759 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivables 0 0 0 0 Loans and Receivables - Others 201,357 151 3,913 571 Loans and Receivables Arising from Repo, CA/Participation 6,939 0 0 194 General Loan Loss Provision 2,093 1 42 6 Other Financial Assets 1,455 11 0 15 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 0 0 0 7 Bank Premises, Furniture, Fixture and Equipment, Net 1,081 24 152 133 Real and Other Properties Acquired , Net 2,114 23 3 112 Non-Current Assets Held for Sale 160 0 0 0 Other Assets, Net 3,795 5 198 15

Due from Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0

TOTAL ASSETS 266,571 330 5,022 1,642 . . . . LIABILITIES . . . . Financial Liabilities at Fair Value through Profit or Loss 0 0 0 0 Deposit Liabilities 231,626 239 2,903 545 Due to Other Banks 0 0 0 0 Bills Payable 0 0 1,043 0 a) BSP (Rediscounting and Other Advances) 0 0 0 0 b) Interbank Loans Payable 0 0 0 0 c) Other Deposit Substitutes 0 0 0 0 d) Others 0 0 1,043 0 Bonds Payable, Net 0 0 0 0 Unsecured Subordinated Debt, Net 0 0 0 0 Redeemable Preferred Shares 0 0 0 0 Special Time Deposit 0 0 0 0 Due to Bangko Sentral ng Pilipinas 0 0 0 0 Other Financial Liabilities 2,152 0 56 76 Other Liabilities 6,106 4 99 33 Due to Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL LIABILITIES 239,884 243 4,101 655 . . . . STOCKHOLDERS' EQUITY . . . . Capital Stock 1,000 73 495 866 Other Capital Accounts 5,127 4 385 64 Retained Earnings 20,560 9 40 57 Assigned Capital 0 0 0 0 TOTAL STOCKHOLDERS' EQUITY 26,688 87 921 987 . . . . TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 266,571 330 5,022 1,642

II. 52 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2017 In Million Pesos

THRIFT BANKS BUSINESS AND ACCOUNTS BPI FAMILY SAVINGS CARD SME BANK INC CENTURY SAVINGS CONSUMERS BANK (A BANK INC A THRIFT BANK BANK CORPORATION DB) . . . . CONTINGENT ACCOUNTS . . . . Guarantees Issued 0 0 0 0 Financial Standby Letters of Credit 0 0 0 0 Performance Standby Letters of Credit 0 0 0 0 Commercial Letters of Credit 0 0 0 0 Trade Related Guarantees 0 0 0 0 Commitments 1,512 0 0 0 Spot Foreign Exchange Contracts 0 0 0 0 Securities Held Under Custodianship by Bank Proper 0 0 0 0 Trust Department Accounts 0 0 0 0 a) Trust and Other Fudiciary Accounts 0 0 0 0 b) Agency Accounts 0 0 0 0 c) Advisory/Consultancy 0 0 0 0 Derivatives 929 0 0 0 Others 166 0 269 0 TOTAL CONTINGENT ACCOUNTS 2,607 0 269 0 . . . . OTHER INFORMATION . . . . Gross Total Loan Portfolio (TLP) 213,038 160 4,007 779 Specific allowance for credit losses on the TLP 4,742 9 93 14 Non-Performing Loans (NPL) a. Gross NPLs 7,510 8 76 36 b. Ratio of gross NPLs to gross TLP (%) 3.52 5.17 1.90 4.60 c. Net NPLs 2,768 (1) (17) 22 d. Ratio of Net NPLs to gross TLP (%) 1.29 (0.70) (0.42) 2.78

Classified Loans & Other Risk Assets, gross of allowance for credit losses 10,919 0 0 149

DOSRI Loans and receivables, gross of allowance for credit losses 38 0 0 28 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to 0.01 0.00 0.00 3.56 gross TLP (%) Gross non-performing DOSRI loans and receivables 0 0 0 0 Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0.00 0.00 0.00 0.00 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 7.29 35.64 30.28 9.95 b. 2% for Medium Enterprises 5.54 0.00 2.42 6.47 Return on Equity (ROE) (%) 20.72 6.06 31.94 (0.32) Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 16.36 25.49 18.60 74.79 b. Tier 1 CAR (%) 15.51 0.00 4.37 73.61 Deferred Charges not yet Written Down 0 0 1 0

Unbooked Allowance for Credit Losses on Financial Instruments Received 0 0 0 0

Details may not add up to totals due to rounding-off Source: Supervisory Data Center, Financial Supervision Sector

II. 53 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2017 In Million Pesos

THRIFT BANKS

ACCOUNTS CHINA BANK SAVINGS CITY SAVINGS BANK CITYSTATE SAVINGS CORDILLERA SAVINGS INC INC BANK INC BANK INC

ASSETS Cash and Cash Items 1,501 381 67 2 Due from Bangko Sentral ng Pilipinas 6,773 5,918 825 23 Due from Other Banks 1,856 1,269 371 89 Financial Assets at Fair Value through Profit or Loss 135 0 0 0 Available for Sale Financial Assets, Net 2,175 0 276 72 Held to Maturity (HTM) Financial Assets, Net 3,503 0 50 5 Unquoted Debt Securities Classified as Loans, Net 103 405 74 2 Investments in Non-Marketable Equity Security, Net 0 0 0 0 Loans and Receivables, Net 62,483 65,777 1,876 179 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivables 0 0 0 0 Loans and Receivables - Others 61,639 56,857 1,894 180 Loans and Receivables Arising from Repo, CA/Participation 1,404 9,442 0 0 General Loan Loss Provision 560 522 18 2 Other Financial Assets 1,271 520 98 14 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 2 39 0 0 Bank Premises, Furniture, Fixture and Equipment, Net 1,390 236 200 9 Real and Other Properties Acquired , Net 2,670 0 142 11 Non-Current Assets Held for Sale 250 0 0 0 Other Assets, Net 4,271 2,934 174 6 Due from Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL ASSETS 88,384 77,478 4,152 411 . . . . LIABILITIES . . . . Financial Liabilities at Fair Value through Profit or Loss 0 0 0 0 Deposit Liabilities 76,463 48,320 3,362 265 Due to Other Banks 0 0 0 0 Bills Payable 0 14,061 0 0 a) BSP (Rediscounting and Other Advances) 0 0 0 0 b) Interbank Loans Payable 0 13,987 0 0 c) Other Deposit Substitutes 0 0 0 0 d) Others 0 74 0 0 Bonds Payable, Net 0 0 0 0 Unsecured Subordinated Debt, Net 0 0 0 0 Redeemable Preferred Shares 0 0 0 0 Special Time Deposit 0 0 0 0 Due to Bangko Sentral ng Pilipinas 0 0 0 0 Other Financial Liabilities 872 574 28 2 Other Liabilities 1,946 779 66 7 Due to Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL LIABILITIES 79,282 63,734 3,455 274 . . . . STOCKHOLDERS' EQUITY . . . . Capital Stock 10,534 1,196 988 80 Other Capital Accounts (69) 3,272 16 (3) Retained Earnings (1,363) 9,277 (306) 61 Assigned Capital 0 0 0 0 TOTAL STOCKHOLDERS' EQUITY 9,102 13,745 697 137 . . . . TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 88,384 77,478 4,152 411

II. 54 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2017 In Million Pesos

THRIFT BANKS

ACCOUNTS CHINA BANK SAVINGS CITY SAVINGS BANK CITYSTATE SAVINGS CORDILLERA SAVINGS INC INC BANK INC BANK INC

. . . . CONTINGENT ACCOUNTS . . . . Guarantees Issued 0 0 0 0 Financial Standby Letters of Credit 0 0 0 0 Performance Standby Letters of Credit 213 0 0 0 Commercial Letters of Credit 0 0 0 0 Trade Related Guarantees 0 0 0 0 Commitments 2,335 0 128 0 Spot Foreign Exchange Contracts 0 0 0 0 Securities Held Under Custodianship by Bank Proper 0 0 0 0 Trust Department Accounts 235 0 925 0 a) Trust and Other Fudiciary Accounts 224 0 925 0 b) Agency Accounts 11 0 0 0 c) Advisory/Consultancy 0 0 0 0 Derivatives 0 0 0 0 Others 14 0 14 0 TOTAL CONTINGENT ACCOUNTS 2,797 0 1,067 0 . . . . OTHER INFORMATION . . . . Gross Total Loan Portfolio (TLP) 64,644 66,910 1,956 194 Specific allowance for credit losses on the TLP 1,601 611 61 13 Non-Performing Loans (NPL) a. Gross NPLs 3,927 2,547 193 13 b. Ratio of gross NPLs to gross TLP (%) 6.07 3.80 9.88 6.77 c. Net NPLs 2,325 1,936 132 (0) d. Ratio of Net NPLs to gross TLP (%) 3.59 2.89 6.75 (0.04)

Classified Loans & Other Risk Assets, gross of allowance for credit losses 6,292 2,723 0 63

DOSRI Loans and receivables, gross of allowance for credit losses 6 66 16 3 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to 0.00 0.09 0.83 1.67 gross TLP (%) Gross non-performing DOSRI loans and receivables 0 0 0 0 Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0.00 0.00 0.00 0.00 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 3.69 0.48 20.12 15.16 b. 2% for Medium Enterprises 10.82 0.18 16.02 6.19 Return on Equity (ROE) (%) (0.86) 27.84 (10.12) 8.85 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 11.43 18.38 17.98 39.98 b. Tier 1 CAR (%) 10.46 17.66 17.43 39.46 Deferred Charges not yet Written Down 19 651 0 0

Unbooked Allowance for Credit Losses on Financial Instruments Received 0 0 0 0

Details may not add up to totals due to rounding-off Source: Supervisory Data Center, Financial Supervision Sector

II. 55 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2017 In Million Pesos

THRIFT BANKS

ACCOUNTS DUMAGUETE CITY DEV ENTERPRISE BANK INC EQUICOM SAVINGS FARMERS SAVINGS & BANK (A THRIFT BANK) BANK INC LOAN BANK INC

ASSETS Cash and Cash Items 18 57 84 12 Due from Bangko Sentral ng Pilipinas 100 213 2,436 44 Due from Other Banks 356 135 355 154 Financial Assets at Fair Value through Profit or Loss 7 0 0 0 Available for Sale Financial Assets, Net 218 0 0 0 Held to Maturity (HTM) Financial Assets, Net 55 33 0 0 Unquoted Debt Securities Classified as Loans, Net 0 0 25 3 Investments in Non-Marketable Equity Security, Net 0 0 13 0 Loans and Receivables, Net 547 1,542 5,248 192 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivables 0 0 0 0 Loans and Receivables - Others 553 1,557 3,788 195 Loans and Receivables Arising from Repo, CA/Participation 0 0 1,496 0 General Loan Loss Provision 5 15 36 3 Other Financial Assets 25 6 67 12 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 0 0 0 13 Bank Premises, Furniture, Fixture and Equipment, Net 38 82 64 18 Real and Other Properties Acquired , Net 19 66 86 101 Non-Current Assets Held for Sale 0 0 0 9 Other Assets, Net 27 274 301 22 Due from Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL ASSETS 1,411 2,407 8,679 581 . . . . LIABILITIES . . . . Financial Liabilities at Fair Value through Profit or Loss 0 0 0 0 Deposit Liabilities 1,115 1,427 7,728 442 Due to Other Banks 0 0 0 0 Bills Payable 0 558 0 0 a) BSP (Rediscounting and Other Advances) 0 0 0 0 b) Interbank Loans Payable 0 453 0 0 c) Other Deposit Substitutes 0 0 0 0 d) Others 0 105 0 0 Bonds Payable, Net 0 0 0 0 Unsecured Subordinated Debt, Net 0 50 0 0 Redeemable Preferred Shares 0 43 0 0 Special Time Deposit 0 0 0 0 Due to Bangko Sentral ng Pilipinas 0 0 0 0 Other Financial Liabilities 5 26 47 1 Other Liabilities 6 49 192 5 Due to Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL LIABILITIES 1,127 2,153 7,966 448 . . . . STOCKHOLDERS' EQUITY . . . . Capital Stock 122 242 1,388 60 Other Capital Accounts 2 11 19 4 Retained Earnings 159 0 (693) 68 Assigned Capital 0 0 0 0 TOTAL STOCKHOLDERS' EQUITY 284 254 713 133 . . . . TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 1,411 2,407 8,679 581

II. 56 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2017 In Million Pesos

THRIFT BANKS

ACCOUNTS DUMAGUETE CITY DEV ENTERPRISE BANK INC EQUICOM SAVINGS FARMERS SAVINGS & BANK (A THRIFT BANK) BANK INC LOAN BANK INC

. . . . CONTINGENT ACCOUNTS . . . . Guarantees Issued 0 0 0 0 Financial Standby Letters of Credit 0 0 13 0 Performance Standby Letters of Credit 0 0 0 0 Commercial Letters of Credit 0 0 0 0 Trade Related Guarantees 0 0 0 0 Commitments 0 0 0 0 Spot Foreign Exchange Contracts 0 0 0 0 Securities Held Under Custodianship by Bank Proper 0 0 0 0 Trust Department Accounts 0 0 0 0 a) Trust and Other Fudiciary Accounts 0 0 0 0 b) Agency Accounts 0 0 0 0 c) Advisory/Consultancy 0 0 0 0 Derivatives 0 0 0 0 Others 4 0 4 0 TOTAL CONTINGENT ACCOUNTS 4 0 17 0 . . . . OTHER INFORMATION . . . . Gross Total Loan Portfolio (TLP) 567 1,691 5,470 219 Specific allowance for credit losses on the TLP 14 134 185 24 Non-Performing Loans (NPL) a. Gross NPLs 38 237 581 19 b. Ratio of gross NPLs to gross TLP (%) 6.69 14.00 10.62 8.57 c. Net NPLs 24 103 396 5 d. Ratio of Net NPLs to gross TLP (%) 4.20 6.06 7.23 2.36

Classified Loans & Other Risk Assets, gross of allowance for credit losses 135 0 715 0

DOSRI Loans and receivables, gross of allowance for credit losses 55 24 0 0 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to 9.69 1.39 0.00 0.03 gross TLP (%) Gross non-performing DOSRI loans and receivables 0 0 0 0 Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0.00 0.00 0.00 0.00 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 20.37 32.93 18.01 56.84 b. 2% for Medium Enterprises 25.02 3.31 10.17 12.99 Return on Equity (ROE) (%) 6.80 0.00 3.28 3.29 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 27.40 12.05 11.10 17.40 b. Tier 1 CAR (%) 26.91 0.00 0.00 17.40 Deferred Charges not yet Written Down 0 0 0 0

Unbooked Allowance for Credit Losses on Financial Instruments Received 0 0 0 0

Details may not add up to totals due to rounding-off

Source: Supervisory Data Center, Financial Supervision Sector

II. 57 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2017 In Million Pesos

THRIFT BANKS

ACCOUNTS FIRST CONSOLIDATED HIYAS BANKING HSBC SAVINGS INTER-ASIA BANK INC (A PDB) CORPORATION BANK(PHILS) INC DEVELOPMENT BANK

ASSETS Cash and Cash Items 490 4 168 2 Due from Bangko Sentral ng Pilipinas 4,091 99 3,698 20 Due from Other Banks 907 131 1,939 44 Financial Assets at Fair Value through Profit or Loss 0 0 0 0 Available for Sale Financial Assets, Net 0 0 6,346 3 Held to Maturity (HTM) Financial Assets, Net 0 666 0 0 Unquoted Debt Securities Classified as Loans, Net 3 0 0 0 Investments in Non-Marketable Equity Security, Net 0 0 0 0 Loans and Receivables, Net 11,154 241 2,982 213 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivables 0 0 366 0 Loans and Receivables - Others 10,432 243 2,658 215 Loans and Receivables Arising from Repo, CA/Participation 826 0 53 0 General Loan Loss Provision 104 2 95 2 Other Financial Assets 96 129 61 3 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 0 0 0 0 Bank Premises, Furniture, Fixture and Equipment, Net 665 63 15 6 Real and Other Properties Acquired , Net 203 61 9 25 Non-Current Assets Held for Sale 0 0 0 0 Other Assets, Net 377 35 144 3

Due from Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0

TOTAL ASSETS 17,988 1,429 15,363 319

LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 0 0 0 0 Deposit Liabilities 11,304 1,163 13,394 243 Due to Other Banks 0 0 0 0 Bills Payable 1,581 80 106 0 a) BSP (Rediscounting and Other Advances) 8 0 0 0 b) Interbank Loans Payable 0 50 52 0 c) Other Deposit Substitutes 0 30 0 0 d) Others 1,573 0 53 0 Bonds Payable, Net 0 0 0 0 Unsecured Subordinated Debt, Net 0 0 0 0 Redeemable Preferred Shares 0 0 0 0 Special Time Deposit 0 0 0 0 Due to Bangko Sentral ng Pilipinas 0 0 0 0 Other Financial Liabilities 334 3 94 1 Other Liabilities 452 12 113 8 Due to Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL LIABILITIES 13,671 1,257 13,707 253

STOCKHOLDERS' EQUITY Capital Stock 866 80 1,492 185 Other Capital Accounts 591 0 41 6 Retained Earnings 2,860 91 122 (125) Assigned Capital 0 0 0 0 TOTAL STOCKHOLDERS' EQUITY 4,317 172 1,655 66

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 17,988 1,429 15,363 319

II. 58 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2017 In Million Pesos

THRIFT BANKS

ACCOUNTS FIRST CONSOLIDATED HIYAS BANKING HSBC SAVINGS INTER-ASIA BANK INC (A PDB) CORPORATION BANK(PHILS) INC DEVELOPMENT BANK

CONTINGENT ACCOUNTS Guarantees Issued 0 0 0 0 Financial Standby Letters of Credit 0 0 0 0 Performance Standby Letters of Credit 0 0 0 0 Commercial Letters of Credit 0 0 0 0 Trade Related Guarantees 0 0 0 0 Commitments 0 0 55 0 Spot Foreign Exchange Contracts 0 0 115 0 Securities Held Under Custodianship by Bank Proper 0 0 0 0 Trust Department Accounts 0 0 0 0 a) Trust and Other Fudiciary Accounts 0 0 0 0 b) Agency Accounts 0 0 0 0 c) Advisory/Consultancy 0 0 0 0 Derivatives 0 0 0 0 Others 82 0 1 0 TOTAL CONTINGENT ACCOUNTS 82 0 171 0

OTHER INFORMATION Gross Total Loan Portfolio (TLP) 11,850 270 3,079 219 Specific allowance for credit losses on the TLP 593 26 3 4.17 Non-Performing Loans (NPL) a. Gross NPLs 387 39 58 4 b. Ratio of gross NPLs to gross TLP (%) 3.26 14.46 1.89 1.68 c. Net NPLs (206) 13 56 d. Ratio of Net NPLs to gross TLP (%) (1.73) 4.65 1.81

Classified Loans & Other Risk Assets, gross of allowance for credit losses 1,361 39 29 275

DOSRI Loans and receivables, gross of allowance for credit losses 14 15 26 15 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to 0.11 5.59 0.83 6.70 gross TLP (%) Gross non-performing DOSRI loans and receivables 0 0 0 0 Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0.00 0.00 0.00 0.00 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 16.31 18.85 0.00 40.37 b. 2% for Medium Enterprises 2.27 7.11 0.00 14.70 Return on Equity (ROE) (%) 14.47 11.24 5.30 7.75 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 29.24 20.97 31.59 20.01 b. Tier 1 CAR (%) 28.49 20.63 30.89 0.00 Deferred Charges not yet Written Down 0 0 0 0

Unbooked Allowance for Credit Losses on Financial Instruments Received 0 0 0 0

Details may not add up to totals due to rounding-off Source: Supervisory Data Center, Financial Supervision Sector

II. 59 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2017 In Million Pesos

THRIFT BANKS

ACCOUNTS ISLA BANK(A THRIFT LEGAZPI SAVINGS LEMERY SAVINGS & LIFE SAVINGS BANK BANK) INC BANK INC LOAN BANK, INC. INC

ASSETS Cash and Cash Items 11 49 3 2 Due from Bangko Sentral ng Pilipinas 110 333 12 17 Due from Other Banks 20 82 109 141 Financial Assets at Fair Value through Profit or Loss 0 0 0 0 Available for Sale Financial Assets, Net 0 0 0 0 Held to Maturity (HTM) Financial Assets, Net 534 200 8 47 Unquoted Debt Securities Classified as Loans, Net 0 0 0 7 Investments in Non-Marketable Equity Security, Net 0 0 0 0 Loans and Receivables, Net 594 1,490 85 42 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivables 0 0 0 0 Loans and Receivables - Others 325 981 86 43 Loans and Receivables Arising from Repo, CA/Participation 271 521 0 0 General Loan Loss Provision 2 13 1 1 Other Financial Assets 9 44 0 2 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 0 0 0 0 Bank Premises, Furniture, Fixture and Equipment, Net 3 51 3 1 Real and Other Properties Acquired , Net 0 138 2 11 Non-Current Assets Held for Sale 0 0 0 0 Other Assets, Net 34 64 5 4

Due from Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0

TOTAL ASSETS 1,315 2,452 227 273

LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 0 0 0 0 Deposit Liabilities 600 1,810 136 201 Due to Other Banks 0 0 0 0 Bills Payable 0 0 0 0 a) BSP (Rediscounting and Other Advances) 0 0 0 0 b) Interbank Loans Payable 0 0 0 0 c) Other Deposit Substitutes 0 0 0 0 d) Others 0 0 0 0 Bonds Payable, Net 0 0 0 0 Unsecured Subordinated Debt, Net 0 0 0 0 Redeemable Preferred Shares 0 31 0 0 Special Time Deposit 0 0 0 0 Due to Bangko Sentral ng Pilipinas 0 0 0 0 Other Financial Liabilities 15 0 0 1 Other Liabilities 20 70 6 0 Due to Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL LIABILITIES 634 1,911 142 203

STOCKHOLDERS' EQUITY Capital Stock 502 1,246 60 53 Other Capital Accounts 14 28 0 5 Retained Earnings 164 (733) 25 13 Assigned Capital 0 0 0 0 TOTAL STOCKHOLDERS' EQUITY 680 541 85 71

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 1,315 2,452 227 273

II. 60 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2017 In Million Pesos

THRIFT BANKS

ACCOUNTS ISLA BANK(A THRIFT LEGAZPI SAVINGS LEMERY SAVINGS & LIFE SAVINGS BANK BANK) INC BANK INC LOAN BANK, INC. INC

CONTINGENT ACCOUNTS Guarantees Issued 0 0 0 0 Financial Standby Letters of Credit 0 0 0 0 Performance Standby Letters of Credit 0 0 0 0 Commercial Letters of Credit 0 0 0 0 Trade Related Guarantees 0 0 0 0 Commitments 0 0 0 0 Spot Foreign Exchange Contracts 0 0 0 0 Securities Held Under Custodianship by Bank Proper 0 0 0 0 Trust Department Accounts 0 0 0 0 a) Trust and Other Fudiciary Accounts 0 0 0 0 b) Agency Accounts 0 0 0 0 c) Advisory/Consultancy 0 0 0 0 Derivatives 0 0 0 0 Others 0 2 0 0 TOTAL CONTINGENT ACCOUNTS 0 2 0 0

OTHER INFORMATION Gross Total Loan Portfolio (TLP) 598 1,758 88 48 Specific allowance for credit losses on the TLP 2 255 2 5 Non-Performing Loans (NPL) a. Gross NPLs 0 332 4 7 b. Ratio of gross NPLs to gross TLP (%) 0.00 18.88 4.85 15.38 c. Net NPLs (2) 77 2 2 d. Ratio of Net NPLs to gross TLP (%) (0.31) 4.39 2.68 5.04

Classified Loans & Other Risk Assets, gross of allowance for credit losses 0 704 4 10

DOSRI Loans and receivables, gross of allowance for credit losses 1 0 2 5 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to 0.17 0.01 1.90 10.43 gross TLP (%) Gross non-performing DOSRI loans and receivables 0 0 0 0 Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0.00 0.00 0.00 0.00 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 12.41 22.69 15.18 8.68 b. 2% for Medium Enterprises 33.49 0.84 4.27 3.96 Return on Equity (ROE) (%) 2.15 5.23 6.69 7.71 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 120.10 29.48 37.03 31.94 b. Tier 1 CAR (%) 119.68 28.75 36.62 31.71 Deferred Charges not yet Written Down 0 0 0 0

Unbooked Allowance for Credit Losses on Financial Instruments Received 0 0 0 0

Details may not add up to totals due to rounding-off Source: Supervisory Data Center, Financial Supervision Sector

II. 61 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2017 In Million Pesos

THRIFT BANKS

MALAYAN BANK ACCOUNTS LUZON DEVELOPMENT MALASIQUI MARITIME SAVINGS SAVINGS AND MORT BANK PROGRESSIVE SLB, INC BANK CORPORATION BANK INC

ASSETS Cash and Cash Items 186 2 83 3 Due from Bangko Sentral ng Pilipinas 686 6 598 9 Due from Other Banks 61 74 371 3 Financial Assets at Fair Value through Profit or Loss 0 0 0 0 Available for Sale Financial Assets, Net 0 0 569 0 Held to Maturity (HTM) Financial Assets, Net 165 0 0 0 Unquoted Debt Securities Classified as Loans, Net 5 0 0 0 Investments in Non-Marketable Equity Security, Net 0 2 13 0 Loans and Receivables, Net 3,376 32 4,237 110 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivables 0 0 150 0 Loans and Receivables - Others 3,000 32 3,586 111 Loans and Receivables Arising from Repo, CA/Participation 401 0 537 0 General Loan Loss Provision 26 0 35 1 Other Financial Assets 298 0 335 4 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 14 0 11 0 Bank Premises, Furniture, Fixture and Equipment, Net 189 1 77 2 Real and Other Properties Acquired , Net 294 2 944 7 Non-Current Assets Held for Sale 39 0 493 0 Other Assets, Net 308 3 241 2

Due from Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0

TOTAL ASSETS 5,619 122 7,973 139

LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 0 0 0 0 Deposit Liabilities 4,712 69 6,535 100 Due to Other Banks 0 0 0 0 Bills Payable 0 0 0 0 a) BSP (Rediscounting and Other Advances) 0 0 0 0 b) Interbank Loans Payable 0 0 0 0 c) Other Deposit Substitutes 0 0 0 0 d) Others 0 0 0 0 Bonds Payable, Net 0 0 0 0 Unsecured Subordinated Debt, Net 0 0 0 0 Redeemable Preferred Shares 0 0 0 0 Special Time Deposit 0 0 0 0 Due to Bangko Sentral ng Pilipinas 0 0 0 0 Other Financial Liabilities 53 1 118 0 Other Liabilities 198 1 131 1 Due to Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL LIABILITIES 4,963 71 6,784 102

STOCKHOLDERS' EQUITY Capital Stock 400 60 970 65 Other Capital Accounts 365 0 67 0 Retained Earnings (109) (9) 151 (28) Assigned Capital 0 0 0 0 TOTAL STOCKHOLDERS' EQUITY 656 51 1,189 38

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 5,619 122 7,973 139

II. 62 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2017 In Million Pesos

THRIFT BANKS

MALAYAN BANK ACCOUNTS LUZON DEVELOPMENT MALASIQUI MARITIME SAVINGS SAVINGS AND MORT BANK PROGRESSIVE SLB, INC BANK CORPORATION BANK INC

CONTINGENT ACCOUNTS Guarantees Issued 0 0 0 0 Financial Standby Letters of Credit 0 0 0 0 Performance Standby Letters of Credit 0 0 0 0 Commercial Letters of Credit 0 0 0 0 Trade Related Guarantees 0 0 0 0 Commitments 0 0 0 0 Spot Foreign Exchange Contracts 0 0 30 0 Securities Held Under Custodianship by Bank Proper 0 0 0 0 Trust Department Accounts 0 0 425 0 a) Trust and Other Fudiciary Accounts 0 0 425 0 b) Agency Accounts 0 0 0 0 c) Advisory/Consultancy 0 0 0 0 Derivatives 0 0 0 0 Others 0 0 1 0 TOTAL CONTINGENT ACCOUNTS 0 0 455 0

OTHER INFORMATION Gross Total Loan Portfolio (TLP) 3,556 39 4,665 116 Specific allowance for credit losses on the TLP 154 7 393 6 Non-Performing Loans (NPL) a. Gross NPLs 573 16 383 24 b. Ratio of gross NPLs to gross TLP (%) 16.11 39.73 8.19 20.27 c. Net NPLs 419 9 (10) 18 d. Ratio of Net NPLs to gross TLP (%) 11.78 22.05 (0.22) 15.27

Classified Loans & Other Risk Assets, gross of allowance for credit losses 623 16 1,856 35

DOSRI Loans and receivables, gross of allowance for credit losses 4 11 21 3 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to 0.11 28.66 0.44 2.15 gross TLP (%) Gross non-performing DOSRI loans and receivables 0 0 0 0 Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0.00 0.00 0.00 0.00 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 10.34 8.07 11.69 40.24 b. 2% for Medium Enterprises 30.33 6.78 6.96 12.07 Return on Equity (ROE) (%) (19.38) (15.00) 6.79 0.80 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 12.53 38.91 16.79 22.65 b. Tier 1 CAR (%) 11.67 38.91 16.29 0.00 Deferred Charges not yet Written Down 0 0 0 0

Unbooked Allowance for Credit Losses on Financial Instruments Received 0 0 0 0

Details may not add up to totals due to rounding-off Source: Supervisory Data Center, Financial Supervision Sector

II. 63 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2017 In Million Pesos

THRIFT BANKS

ACCOUNTS MAXIMUM SAVINGS MERCHANTS SAVINGS METRO CEBU PUBLIC NORTHPOINT DEV'T BANK INC & LOAN ASSN INC SAVINGS BANK BANK INC

ASSETS Cash and Cash Items 6 11 2 5 Due from Bangko Sentral ng Pilipinas 64 84 14 24 Due from Other Banks 336 156 90 76 Financial Assets at Fair Value through Profit or Loss 0 0 0 0 Available for Sale Financial Assets, Net 0 35 0 132 Held to Maturity (HTM) Financial Assets, Net 0 0 3 0 Unquoted Debt Securities Classified as Loans, Net 0 0 0 0 Investments in Non-Marketable Equity Security, Net 7 0 0 0 Loans and Receivables, Net 3 1,035 81 360 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivables 0 0 0 0 Loans and Receivables - Others 3 961 81 363 Loans and Receivables Arising from Repo, CA/Participation 0 83 0 0 General Loan Loss Provision 0 9 0 3 Other Financial Assets 0 8 0 1 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 0 0 0 0 Bank Premises, Furniture, Fixture and Equipment, Net 6 116 9 20 Real and Other Properties Acquired , Net 0 0 27 10 Non-Current Assets Held for Sale 0 0 0 0 Other Assets, Net 29 16 1 52

Due from Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0

TOTAL ASSETS 452 1,461 228 680

LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 0 0 0 0 Deposit Liabilities 81 812 162 280 Due to Other Banks 0 0 0 0 Bills Payable 0 0 0 0 a) BSP (Rediscounting and Other Advances) 0 0 0 0 b) Interbank Loans Payable 0 0 0 0 c) Other Deposit Substitutes 0 0 0 0 d) Others 0 0 0 0 Bonds Payable, Net 0 0 0 0 Unsecured Subordinated Debt, Net 0 0 0 0 Redeemable Preferred Shares 0 0 0 0 Special Time Deposit 0 0 0 0 Due to Bangko Sentral ng Pilipinas 0 0 0 0 Other Financial Liabilities 1 4 0 26 Other Liabilities 306 32 9 19 Due to Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL LIABILITIES 388 848 171 324

STOCKHOLDERS' EQUITY Capital Stock 250 1,126 80 405 Other Capital Accounts (37) 20 (11) 10 Retained Earnings (149) (533) (12) (59) Assigned Capital 0 0 0 0 TOTAL STOCKHOLDERS' EQUITY 64 613 57 356

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 452 1,461 228 680

II. 64 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2017 In Million Pesos

THRIFT BANKS

ACCOUNTS MAXIMUM SAVINGS MERCHANTS SAVINGS METRO CEBU PUBLIC NORTHPOINT DEV'T BANK INC & LOAN ASSN INC SAVINGS BANK BANK INC

CONTINGENT ACCOUNTS Guarantees Issued 0 0 0 0 Financial Standby Letters of Credit 0 0 0 0 Performance Standby Letters of Credit 0 0 0 0 Commercial Letters of Credit 0 0 0 0 Trade Related Guarantees 0 0 0 0 Commitments 0 0 0 0 Spot Foreign Exchange Contracts 0 0 0 0 Securities Held Under Custodianship by Bank Proper 0 0 0 0 Trust Department Accounts 0 0 0 0 a) Trust and Other Fudiciary Accounts 0 0 0 0 b) Agency Accounts 0 0 0 0 c) Advisory/Consultancy 0 0 0 0 Derivatives 0 0 0 0 Others 0 0 0 0 TOTAL CONTINGENT ACCOUNTS 0 0 0 0

OTHER INFORMATION Gross Total Loan Portfolio (TLP) 12 1,068 100 454 Specific allowance for credit losses on the TLP 9 24 19 91 Non-Performing Loans (NPL) a. Gross NPLs 9 24 9 136 b. Ratio of gross NPLs to gross TLP (%) 75.85 2.29 9.32 29.87 c. Net NPLs (0) 0 (10) 45 d. Ratio of Net NPLs to gross TLP (%) (0.32) 0.01 (9.58) 9.84

Classified Loans & Other Risk Assets, gross of allowance for credit losses 0 0 0 137

DOSRI Loans and receivables, gross of allowance for credit losses 0 0 0 0 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to 0.00 0.00 0.00 0.00 gross TLP (%) Gross non-performing DOSRI loans and receivables 0 0 0 0 Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0 0 0 0 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 30.72 50.56 129.61 84.09 b. 2% for Medium Enterprises 13.61 20.78 97.78 2.47 Return on Equity (ROE) (%) (2.68) (1.54) 5.16 0.03 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 15.14 43.24 25.93 40.63 b. Tier 1 CAR (%) 15.13 42.56 25.89 40.24 Deferred Charges not yet Written Down 0 0 0 0

Unbooked Allowance for Credit Losses on Financial Instruments Received 0 0 0 0

Details may not add up to totals due to rounding-off Source: Supervisory Data Center, Financial Supervision Sector

II. 65 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2017 In Million Pesos

THRIFT BANKS

PENBANK INC (A PDB) ACCOUNTS PACIFIC ACE SAVINGS PAMPANGA PHIL POSTAL SAVINGS (FORMERLY: BANK INC DEVELOPMENT BANK BANK INC PENINSULA RB INC)

ASSETS Cash and Cash Items 3 3 21 94 Due from Bangko Sentral ng Pilipinas 17 25 170 2,848 Due from Other Banks 174 36 142 74 Financial Assets at Fair Value through Profit or Loss 0 0 0 47 Available for Sale Financial Assets, Net 0 0 0 527 Held to Maturity (HTM) Financial Assets, Net 7 34 331 0 Unquoted Debt Securities Classified as Loans, Net 0 8 0 50 Investments in Non-Marketable Equity Security, Net 0 0 0 0 Loans and Receivables, Net 22 348 1,643 4,839 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivables 0 0 0 0 Loans and Receivables - Others 22 351 1,661 4,531 Loans and Receivables Arising from Repo, CA/Participation 0 0 0 330 General Loan Loss Provision 0 3 17 23 Other Financial Assets 0 3 34 68 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 0 0 0 0 Bank Premises, Furniture, Fixture and Equipment, Net 8 18 80 186 Real and Other Properties Acquired , Net 3 5 102 275 Non-Current Assets Held for Sale 0 0 0 0 Other Assets, Net 14 4 85 136

Due from Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0

TOTAL ASSETS 249 484 2,608 9,144

LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 0 0 0 0 Deposit Liabilities 163 263 1,803 7,979 Due to Other Banks 0 0 0 0 Bills Payable 0 0 266 0 a) BSP (Rediscounting and Other Advances) 0 0 0 0 b) Interbank Loans Payable 0 0 266 0 c) Other Deposit Substitutes 0 0 0 0 d) Others 0 0 0 0 Bonds Payable, Net 0 0 0 0 Unsecured Subordinated Debt, Net 0 0 0 0 Redeemable Preferred Shares 0 0 0 0 Special Time Deposit 0 0 0 0 Due to Bangko Sentral ng Pilipinas 0 0 0 0 Other Financial Liabilities 0 4 8 33 Other Liabilities 11 67 37 290 Due to Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL LIABILITIES 174 335 2,115 8,302

STOCKHOLDERS' EQUITY Capital Stock 68 100 405 820 Other Capital Accounts 0 16 0 (161) Retained Earnings 6 34 88 183 Assigned Capital 0 0 0 0 TOTAL STOCKHOLDERS' EQUITY 75 150 493 842

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 249 484 2,608 9,144

II. 66 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2017 In Million Pesos

THRIFT BANKS

PENBANK INC (A PDB) ACCOUNTS PACIFIC ACE SAVINGS PAMPANGA PHIL POSTAL SAVINGS (FORMERLY: BANK INC DEVELOPMENT BANK BANK INC PENINSULA RB INC)

CONTINGENT ACCOUNTS Guarantees Issued 0 0 0 0 Financial Standby Letters of Credit 0 0 0 0 Performance Standby Letters of Credit 0 0 0 0 Commercial Letters of Credit 0 0 0 0 Trade Related Guarantees 0 0 0 0 Commitments 0 0 0 0 Spot Foreign Exchange Contracts 0 0 0 0 Securities Held Under Custodianship by Bank Proper 0 0 0 0 Trust Department Accounts 0 0 0 0 a) Trust and Other Fudiciary Accounts 0 0 0 0 b) Agency Accounts 0 0 0 0 c) Advisory/Consultancy 0 0 0 0 Derivatives 0 0 0 0 Others 0 0 14 6 TOTAL CONTINGENT ACCOUNTS 0 0 14 6

OTHER INFORMATION Gross Total Loan Portfolio (TLP) 23 378 1,763 5,199 Specific allowance for credit losses on the TLP 1 28 102 337 Non-Performing Loans (NPL) a. Gross NPLs 1 51 160 2,574 b. Ratio of gross NPLs to gross TLP (%) 3.14 13.57 9.07 49.50 c. Net NPLs 0 23 58 2,236 d. Ratio of Net NPLs to gross TLP (%) 0.23 6.20 3.28 43.01

Classified Loans & Other Risk Assets, gross of allowance for credit losses 0 50 323 3,058

DOSRI Loans and receivables, gross of allowance for credit losses 0 48 32 0 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to 0.00 12.77 1.83 0.00 gross TLP (%) Gross non-performing DOSRI loans and receivables 0 0 0 0 Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0.00 0.00 0.00 0.00 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 45.05 13.01 42.59 5.24 b. 2% for Medium Enterprises 20.62 6.87 21.40 12.64 Return on Equity (ROE) (%) 0.46 10.62 4.29 (12.96) Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 31.19 34.57 20.57 6.63 b. Tier 1 CAR (%) 74.53 149.76 19.80 6.30 Deferred Charges not yet Written Down 0 0 0 0

Unbooked Allowance for Credit Losses on Financial Instruments Received 0 0 0 0

Details may not add up to totals due to rounding-off Source: Supervisory Data Center, Financial Supervision Sector

II. 67 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2017 In Million Pesos

THRIFT BANKS

PHILIPPINE RESOURCES PHIL STAR PHILIPPINE BUSINESS ACCOUNTS SAVINGS BANKING PHIL SAVINGS BANK DEVELOPMENT BANK BANK INC A SAVINGS CORPORATION (PR INC BANK SAVINGS BANK)

ASSETS Cash and Cash Items 2,597 1 1,061 75 Due from Bangko Sentral ng Pilipinas 15,211 3 6,575 394 Due from Other Banks 1,491 85 4,020 707 Financial Assets at Fair Value through Profit or Loss 365 0 0 0 Available for Sale Financial Assets, Net 16,916 0 2,439 1 Held to Maturity (HTM) Financial Assets, Net 29,474 0 0 0 Unquoted Debt Securities Classified as Loans, Net 0 0 26 0 Investments in Non-Marketable Equity Security, Net 0 0 0 0 Loans and Receivables, Net 143,702 15 70,326 9,870 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivables 1,264 0 0 0 Loans and Receivables - Others 143,384 15 70,178 9,949 Loans and Receivables Arising from Repo, CA/Participation 578 0 826 0 General Loan Loss Provision 1,524 0 678 79 Other Financial Assets 1,866 0 226 358 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 607 0 0 13 Bank Premises, Furniture, Fixture and Equipment, Net 2,579 8 487 636 Real and Other Properties Acquired , Net 3,006 37 443 177 Non-Current Assets Held for Sale 0 0 0 0 Other Assets, Net 4,170 4 1,788 791

Due from Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0

TOTAL ASSETS 221,985 152 87,391 13,022

LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 0 0 0 0 Deposit Liabilities 188,913 27 73,430 4,466 Due to Other Banks 0 0 0 0 Bills Payable 1,492 0 1,932 5,063 a) BSP (Rediscounting and Other Advances) 0 0 932 0 b) Interbank Loans Payable 0 0 1,000 4,622 c) Other Deposit Substitutes 1,492 0 0 0 d) Others 0 0 0 441 Bonds Payable, Net 0 0 0 0 Unsecured Subordinated Debt, Net 2,979 0 0 100 Redeemable Preferred Shares 0 0 0 650 Special Time Deposit 0 0 0 0 Due to Bangko Sentral ng Pilipinas 0 0 18 0 Other Financial Liabilities 2,605 0 525 60 Other Liabilities 5,097 29 1,298 314 Due to Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL LIABILITIES 201,087 56 77,203 10,652

STOCKHOLDERS' EQUITY Capital Stock 5,221 72 9,056 1,022 Other Capital Accounts 1,538 0 533 494 Retained Earnings 14,139 24 598 854 Assigned Capital 0 0 0 0 TOTAL STOCKHOLDERS' EQUITY 20,898 96 10,187 2,370

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 221,985 152 87,391 13,022

II. 68 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2017 In Million Pesos

THRIFT BANKS

PHILIPPINE RESOURCES PHIL STAR PHILIPPINE BUSINESS ACCOUNTS SAVINGS BANKING PHIL SAVINGS BANK DEVELOPMENT BANK BANK INC A SAVINGS CORPORATION (PR INC BANK SAVINGS BANK)

CONTINGENT ACCOUNTS Guarantees Issued 0 0 0 0 Financial Standby Letters of Credit 0 0 97 0 Performance Standby Letters of Credit 56 0 0 0 Commercial Letters of Credit 0 0 529 0 Trade Related Guarantees 0 0 6 0 Commitments 26 0 0 0 Spot Foreign Exchange Contracts 0 0 50 0 Securities Held Under Custodianship by Bank Proper 0 0 0 0 Trust Department Accounts 5,596 0 3,138 0 a) Trust and Other Fudiciary Accounts 3,664 0 754 0 b) Agency Accounts 1,933 0 2,384 0 c) Advisory/Consultancy 0 0 0 0 Derivatives 2,653 0 0 0 Others 9 0 203 0 TOTAL CONTINGENT ACCOUNTS 8,340 0 4,024 0

OTHER INFORMATION Gross Total Loan Portfolio (TLP) 148,185 24 71,821 10,237 Specific allowance for credit losses on the TLP 2,958 9 817 288 Non-Performing Loans (NPL) a. Gross NPLs 4,771 14 1,509 1,042 b. Ratio of gross NPLs to gross TLP (%) 3.21 57.07 2.10 10.17 c. Net NPLs 1,812 4 692 754 d. Ratio of Net NPLs to gross TLP (%) 1.22 18.78 0.96 7.36

Classified Loans & Other Risk Assets, gross of allowance for credit losses 15,701 24 2,367 2,880

DOSRI Loans and receivables, gross of allowance for credit losses 1,202 0 745 0 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to 0.81 0.00 1.03 0.00 gross TLP (%) Gross non-performing DOSRI loans and receivables 0 0 0 0 Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0.00 0.00 0.00 0.00 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 0.81 56.24 10.72 8.55 b. 2% for Medium Enterprises 1.14 30.64 14.73 2.49 Return on Equity (ROE) (%) 12.56 1.39 6.22 22.66 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 13.84 53.08 13.92 19.36 b. Tier 1 CAR (%) 11.06 53.00 13.02 14.66 Deferred Charges not yet Written Down 0 0 0 0

Unbooked Allowance for Credit Losses on Financial Instruments Received 0 0 0 0

Details may not add up to totals due to rounding-off Source: Supervisory Data Center, Financial Supervision Sector

II. 69 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2017 In Million Pesos

THRIFT BANKS

QUEEN CITY QUEZON COCONUT ACCOUNTS PRODUCERS SAVINGS DEVELOPMENT BANK PNB SAVINGS BANK BANK INC (A THRIFT BANK CORPORATION INC OR QUEENBANK A BANK) THRIFT BANK

ASSETS Cash and Cash Items 521 401 36 1 Due from Bangko Sentral ng Pilipinas 3,247 1,028 179 4 Due from Other Banks 1,352 284 100 11 Financial Assets at Fair Value through Profit or Loss 0 0 0 0 Available for Sale Financial Assets, Net 72 402 0 0 Held to Maturity (HTM) Financial Assets, Net 0 636 20 9 Unquoted Debt Securities Classified as Loans, Net 42 0 0 0 Investments in Non-Marketable Equity Security, Net 0 0 3 0 Loans and Receivables, Net 44,429 10,905 1,633 68 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivables 0 0 0 0 Loans and Receivables - Others 42,886 9,335 1,586 69 Loans and Receivables Arising from Repo, CA/Participation 1,880 1,644 58 0 General Loan Loss Provision 337 74 10 1 Other Financial Assets 637 242 6 1 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 0 16 17 0 Bank Premises, Furniture, Fixture and Equipment, Net 297 490 169 3 Real and Other Properties Acquired , Net 220 846 66 8 Non-Current Assets Held for Sale 0 102 0 0 Other Assets, Net 541 546 35 1

Due from Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0

TOTAL ASSETS 51,356 15,897 2,264 107

LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 0 0 0 0 Deposit Liabilities 37,293 9,162 1,570 44 Due to Other Banks 18 0 0 0 Bills Payable 900 4,686 0 0 a) BSP (Rediscounting and Other Advances) 0 0 0 0 b) Interbank Loans Payable 0 4,686 0 0 c) Other Deposit Substitutes 900 0 0 0 d) Others 0 0 0 0 Bonds Payable, Net 0 0 0 0 Unsecured Subordinated Debt, Net 0 0 0 0 Redeemable Preferred Shares 0 40 0 0 Special Time Deposit 0 0 0 0 Due to Bangko Sentral ng Pilipinas 0 0 0 0 Other Financial Liabilities 437 133 3 0 Other Liabilities 1,205 102 37 4 Due to Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL LIABILITIES 39,853 14,123 1,610 48

STOCKHOLDERS' EQUITY Capital Stock 10,500 1,373 650 52 Other Capital Accounts (14) 171 (4) 1 Retained Earnings 1,017 229 8 6 Assigned Capital 0 0 0 0 TOTAL STOCKHOLDERS' EQUITY 11,503 1,774 655 59

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 51,356 15,897 2,264 107

II. 70 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2017 In Million Pesos

THRIFT BANKS

QUEEN CITY QUEZON COCONUT ACCOUNTS PRODUCERS SAVINGS DEVELOPMENT BANK PNB SAVINGS BANK BANK INC (A THRIFT BANK CORPORATION INC OR QUEENBANK A BANK) THRIFT BANK

CONTINGENT ACCOUNTS Guarantees Issued 0 0 0 0 Financial Standby Letters of Credit 0 0 0 0 Performance Standby Letters of Credit 0 0 37 0 Commercial Letters of Credit 0 0 0 0 Trade Related Guarantees 0 0 0 0 Commitments 0 0 0 0 Spot Foreign Exchange Contracts 0 0 0 0 Securities Held Under Custodianship by Bank Proper 0 0 0 0 Trust Department Accounts 0 0 0 0 a) Trust and Other Fudiciary Accounts 0 0 0 0 b) Agency Accounts 0 0 0 0 c) Advisory/Consultancy 0 0 0 0 Derivatives 0 0 0 0 Others 49 1 1 0 TOTAL CONTINGENT ACCOUNTS 49 1 38 0

OTHER INFORMATION Gross Total Loan Portfolio (TLP) 45,128 11,078 1,659 70 Specific allowance for credit losses on the TLP 362 99 15 1 Non-Performing Loans (NPL) a. Gross NPLs 1,668 236 22 3 b. Ratio of gross NPLs to gross TLP (%) 3.69 2.12 1.29 3.73 c. Net NPLs 1,307 137 6 2 d. Ratio of Net NPLs to gross TLP (%) 2.89 1.23 0.36 2.61

Classified Loans & Other Risk Assets, gross of allowance for credit losses 2,013 236 215 11

DOSRI Loans and receivables, gross of allowance for credit losses 30 85 267 5 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to 0.06 0.76 16.07 6.62 gross TLP (%) Gross non-performing DOSRI loans and receivables 0 0 0 0 Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0.00 0.00 0.00 0.00 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 0.63 29.84 20.96 28.35 b. 2% for Medium Enterprises 1.14 30.00 33.57 43.66 Return on Equity (ROE) (%) 4.48 12.02 (0.57) 2.23 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 24.50 14.50 32.66 57.82 b. Tier 1 CAR (%) 23.81 13.92 32.15 58.96 Deferred Charges not yet Written Down 0 0 0 0

Unbooked Allowance for Credit Losses on Financial Instruments Received 0 0 0 0

Details may not add up to totals due to rounding-off Source: Supervisory Data Center, Financial Supervision Sector

II. 71 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2017 In Million Pesos

THRIFT BANKS

STERLING BANK OF ACCOUNTS RCBC SAVINGS BANK SUN SAVINGS BANK THE PALAWAN BANK ASIA INC (A SAVINGS INC INC (PALAWAN DB) INC BANK)

ASSETS Cash and Cash Items 4,458 629 18 55 Due from Bangko Sentral ng Pilipinas 10,334 2,513 109 91 Due from Other Banks 2,154 4,334 12 23 Financial Assets at Fair Value through Profit or Loss 0 159 0 0 Available for Sale Financial Assets, Net 0 1,174 25 0 Held to Maturity (HTM) Financial Assets, Net 11,485 0 10 0 Unquoted Debt Securities Classified as Loans, Net 733 562 0 14 Investments in Non-Marketable Equity Security, Net 0 0 0 0 Loans and Receivables, Net 81,745 28,994 1,021 249 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivables 0 82 0 0 Loans and Receivables - Others 80,031 28,801 775 252 Loans and Receivables Arising from Repo, CA/Participation 2,313 372 254 0 General Loan Loss Provision 600 262 8 2 Other Financial Assets 1,613 157 5 20 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 489 0 0 0 Bank Premises, Furniture, Fixture and Equipment, Net 1,058 520 7 20 Real and Other Properties Acquired , Net 1,395 95 0 42 Non-Current Assets Held for Sale 250 136 0 0 Other Assets, Net 2,114 437 22 10

Due from Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0

TOTAL ASSETS 117,827 39,710 1,229 524

LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 0 0 0 0 Deposit Liabilities 101,685 34,623 757 468 Due to Other Banks 0 0 0 0 Bills Payable 0 0 217 0 a) BSP (Rediscounting and Other Advances) 0 0 0 0 b) Interbank Loans Payable 0 0 217 0 c) Other Deposit Substitutes 0 0 0 0 d) Others 0 0 0 0 Bonds Payable, Net 0 0 0 0 Unsecured Subordinated Debt, Net 0 1,000 0 0 Redeemable Preferred Shares 0 0 0 0 Special Time Deposit 0 0 0 0 Due to Bangko Sentral ng Pilipinas 0 0 0 0 Other Financial Liabilities 1,174 303 5 6 Other Liabilities 3,185 1,124 19 23 Due to Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL LIABILITIES 106,043 37,050 997 496

STOCKHOLDERS' EQUITY Capital Stock 3,190 2,370 217 54 Other Capital Accounts 1,246 93 12 4 Retained Earnings 7,348 197 4 (30) Assigned Capital 0 0 0 0 TOTAL STOCKHOLDERS' EQUITY 11,784 2,660 232 28

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 117,827 39,710 1,229 524

II. 72 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2017 In Million Pesos

THRIFT BANKS

STERLING BANK OF ACCOUNTS RCBC SAVINGS BANK SUN SAVINGS BANK THE PALAWAN BANK ASIA INC (A SAVINGS INC INC (PALAWAN DB) INC BANK)

CONTINGENT ACCOUNTS Guarantees Issued 0 8 0 0 Financial Standby Letters of Credit 0 0 0 0 Performance Standby Letters of Credit 65 30 0 0 Commercial Letters of Credit 0 18 0 0 Trade Related Guarantees 0 0 0 0 Commitments 0 0 0 0 Spot Foreign Exchange Contracts 110 361 0 0 Securities Held Under Custodianship by Bank Proper 0 0 0 0 Trust Department Accounts 27,190 7,938 0 0 a) Trust and Other Fudiciary Accounts 27,190 135 0 0 b) Agency Accounts 0 7,803 0 0 c) Advisory/Consultancy 0 0 0 0 Derivatives 0 125 0 0 Others 133 21 0 0 TOTAL CONTINGENT ACCOUNTS 27,498 8,501 0 0

OTHER INFORMATION Gross Total Loan Portfolio (TLP) 84,146 29,635 1,039 272 Specific allowance for credit losses on the TLP 1,801 379 11 20 Non-Performing Loans (NPL) a. Gross NPLs 4,434 1,110 28 21 b. Ratio of gross NPLs to gross TLP (%) 5.26 3.74 2.65 7.57 c. Net NPLs 2,633 731 17 0 d. Ratio of Net NPLs to gross TLP (%) 3.12 2.46 1.61 0.09

Classified Loans & Other Risk Assets, gross of allowance for credit losses 6,941 1,081 28 0

DOSRI Loans and receivables, gross of allowance for credit losses 0 159 0 2 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to 0.00 0.53 0.00 0.55 gross TLP (%) Gross non-performing DOSRI loans and receivables 0 0 0 0 Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0.00 0.00 0.00 0.00 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 2.41 2.84 8.02 24.40 b. 2% for Medium Enterprises 2.63 8.49 2.07 2.20 Return on Equity (ROE) (%) 11.93 7.76 6.09 0.12 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 14.03 12.47 28.52 6.39 b. Tier 1 CAR (%) 13.25 7.64 27.58 5.49 Deferred Charges not yet Written Down 0 0 0 0

Unbooked Allowance for Credit Losses on Financial Instruments Received 0 0 0 0

Details may not add up to totals due to rounding-off Source: Supervisory Data Center, Financial Supervision Sector

II. 73 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2017 In Million Pesos

THRIFT BANKS

ACCOUNTS UNIVERSITY SAVINGS WEALTH DEVELOPMENT YUANTA SAVINGS UCPB SAVINGS BANK BANK INC BANK CORPORATION BANK PHILIPPINES INC

ASSETS Cash and Cash Items 399 3 111 30 Due from Bangko Sentral ng Pilipinas 1,308 40 662 389 Due from Other Banks 207 323 105 658 Financial Assets at Fair Value through Profit or Loss 203 0 0 0 Available for Sale Financial Assets, Net 61 0 227 299 Held to Maturity (HTM) Financial Assets, Net 40 0 0 352 Unquoted Debt Securities Classified as Loans, Net 243 0 476 111 Investments in Non-Marketable Equity Security, Net 0 0 0 0 Loans and Receivables, Net 14,685 428 6,757 451 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivables 0 0 0 0 Loans and Receivables - Others 14,832 431 6,477 359 Loans and Receivables Arising from Repo, CA/Participation 0 0 342 95 General Loan Loss Provision 146 3 62 3 Other Financial Assets 106 23 27 11 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 0 0 0 0 Bank Premises, Furniture, Fixture and Equipment, Net 217 44 50 130 Real and Other Properties Acquired , Net 318 59 140 0 Non-Current Assets Held for Sale 32 0 0 0 Other Assets, Net 660 16 214 78

Due from Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0

TOTAL ASSETS 18,479 936 8,770 2,509

LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 0 0 0 0 Deposit Liabilities 14,700 487 6,997 1,526 Due to Other Banks 0 0 0 0 Bills Payable 0 0 150 0 a) BSP (Rediscounting and Other Advances) 0 0 0 0 b) Interbank Loans Payable 0 0 150 0 c) Other Deposit Substitutes 0 0 0 0 d) Others 0 0 0 0 Bonds Payable, Net 0 0 0 0 Unsecured Subordinated Debt, Net 0 0 0 0 Redeemable Preferred Shares 0 0 0 0 Special Time Deposit 0 0 0 0 Due to Bangko Sentral ng Pilipinas 0 0 0 0 Other Financial Liabilities 341 9 49 16 Other Liabilities 911 28 106 24 Due to Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL LIABILITIES 15,952 524 7,302 1,566

STOCKHOLDERS' EQUITY Capital Stock 1,107 379 1,404 1,009 Other Capital Accounts (61) 0 48 (53) Retained Earnings 1,482 33 15 (13) Assigned Capital 0 0 0 0 TOTAL STOCKHOLDERS' EQUITY 2,528 412 1,468 942

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 18,479 936 8,770 2,509

II. 74 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2017 In Million Pesos

THRIFT BANKS

ACCOUNTS UNIVERSITY SAVINGS WEALTH DEVELOPMENT YUANTA SAVINGS UCPB SAVINGS BANK BANK INC BANK CORPORATION BANK PHILIPPINES INC

CONTINGENT ACCOUNTS Guarantees Issued 0 0 0 0 Financial Standby Letters of Credit 0 0 19 0 Performance Standby Letters of Credit 0 0 0 0 Commercial Letters of Credit 0 0 0 0 Trade Related Guarantees 0 0 0 0 Commitments 0 0 0 0 Spot Foreign Exchange Contracts 0 0 0 0 Securities Held Under Custodianship by Bank Proper 0 0 0 0 Trust Department Accounts 0 0 0 0 a) Trust and Other Fudiciary Accounts 0 0 0 0 b) Agency Accounts 0 0 0 0 c) Advisory/Consultancy 0 0 0 0 Derivatives 0 0 0 0 Others 12 0 6 0 TOTAL CONTINGENT ACCOUNTS 12 0 25 0

OTHER INFORMATION Gross Total Loan Portfolio (TLP) 15,287 472 6,913 562 Specific allowance for credit losses on the TLP 456 41 94 108 Non-Performing Loans (NPL) a. Gross NPLs 1,805 143 356 111 b. Ratio of gross NPLs to gross TLP (%) 11.80 30.33 5.14 19.78 c. Net NPLs 1,350 102 262 3 d. Ratio of Net NPLs to gross TLP (%) 8.82 21.71 3.78 0.50

Classified Loans & Other Risk Assets, gross of allowance for credit losses 1,938 144 431 1,620

DOSRI Loans and receivables, gross of allowance for credit losses 6 63 7 0 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to 0.03 13.30 0.10 0.05 gross TLP (%) Gross non-performing DOSRI loans and receivables 0 0 0 0 Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0.00 0.00 0.00 0.00 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 10.39 8.72 7.93 8.24 b. 2% for Medium Enterprises 6.99 32.10 25.93 3.22 Return on Equity (ROE) (%) 10.57 0.21 4.38 (4.96) Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 13.65 27.61 22.03 54.76 b. Tier 1 CAR (%) 12.83 13.80 21.08 54.76 Deferred Charges not yet Written Down 0 0 1 0

Unbooked Allowance for Credit Losses on Financial Instruments Received 0 0 0 0

Details may not add up to totals due to rounding-off Source: Supervisory Data Center, Financial Supervision Sector

II. 75 Table 4 INCOME STATEMENT The Philippine Banking System 2013 - 2017 In Million Pesos Selected Accounts 2013 2014 2015 2016 2017 Total Operating Income 450,246 467,236 479,670 535,034 590,785 Net interest income 274,947 321,603 349,149 385,959 447,400 Interest Income 366,726 411,741 452,507 498,078 574,657 Provision for Losses on Accrued Interest Income from Financial Assets 352 454 334 255 375 Less: Interest Expenses 91,428 89,867 103,024 111,865 126,882 Non-interest income 175,299 145,633 130,521 149,075 143,385 Dividend Income 4,289 4,100 3,892 4,115 3,325 Fee-based income 59,983 66,120 70,869 75,948 84,771 Payment Services 2,142 2,496 3,228 3,174 3,193 Intermediation Services 24,094 25,759 26,115 26,179 28,871 Custodianship 817 881 945 816 951 Underwriting and Securities Dealership 169 470 566 121 33 Income from Securities Brokering Activities 107 173 Securitization Activities 13 3 0 0 1 Income from Fiduciary Activities 9,654 9,165 9,461 9,425 7,653 Others 23,094 27,346 30,501 36,126 43,897 Trading Income 96,121 59,137 40,823 53,989 40,540 Realized Gains/(Losses) from Sale/Redemption (10,572) 5,424 (6,821) (205) 11,323 Government Securities 14,521 3,159 1,162 4,875 724 Private Securities/CPs/Equity Securities 626 336 393 593 192 Financial Futures/Options/Fwds/Swaps (25,732) 1,924 (8,381) (5,675) 10,401 Unrealized Gains/(Losses) from Marking-to-Market 5,025 722 2,011 656 (4,243) Government Securities (2,023) 290 (1,319) 367 (216) Private Securities/CPs/Equity Securities (555) 170 (323) 71 100 Financial Futures/Options/Fwds/Swaps 7,603 262 3,653 218 (4,127) Realized Gains/(Losses) from Foreign Exchange Transactions 11,586 3,924 9,205 11,507 3,988 Foreign Exchange Profit/(Loss) 18,405 5,631 7,370 6,886 7,164 Profit/(Loss) from Sale/Redemption/Derecognition of Non-Trading 62,498 19,558 17,186 25,184 8,096 Financial Assets and Liabilities Profit/(Loss) from Sale/Derecognition of Non-Financial Assets 8,869 20,460 12,009 9,657 13,940 Profit/(Loss) on Financial Assets and Liabilities Designated at Fair 378 3,419 (157) 295 274 Value through Profit or Loss Profit/(Loss) on Fair Value Adjustment in Hedge Accounting (68) (1) 18 9 (2) Other income 14,907 16,276 14,937 15,022 14,749 Non-interest Expense 274,527 292,840 310,384 341,298 378,165 Compensation/Fringe Benefits 96,731 106,189 115,253 125,602 137,106 Taxes and Licenses 27,617 27,757 28,805 31,284 35,308 Fees and Commission 6,910 7,945 9,694 10,162 17,594 Other Administrative Expenses 115,921 126,104 132,769 146,895 160,151 Depreciation/Amortization 19,146 19,737 21,243 23,186 24,929 Impairment Losses 3,121 1,390 1,132 898 1,016 Provisions 5,081 3,720 1,488 3,271 2,062 Losses/Recoveries on Financial Assets (29,151) (25,706) (22,146) (30,038) (33,747) Provision for Credit Losses on Loans and Receivables and Other (27,352) (24,356) (24,806) (35,531) (34,977) Financial Assets Bad Debts Written Off (4,754) (5,076) (4,518) (3,752) (3,297) Recovery on Charged-Off Assets 2,955 3,725 7,178 9,246 4,527 Net Profit Before Share in the Profit/(Loss) of Unconsolidated 146,568 148,507 147,139 163,698 178,873 Subsidiaries, Associates and Joint Ventures Accounted for Using the Equity Method Share in the Profit/(Loss) of Unconsolidated Subsidiaries, Associates 26,602 16,534 17,708 22,359 27,906 and Joint Ventures Accounted for Using the Equity Method Total Profit/Loss Before Tax and Before Minority Interest 173,171 165,041 164,848 186,056 206,778 Income Tax Expense 28,525 29,474 29,507 31,746 38,703 Total Profit/Loss After Tax and Before Minority Interest 144,646 135,567 135,341 154,310 168,075 Minority Interest in Profit/(Loss) of Subsidiaries 0 0 0 0 0 Net Profit or Loss 144,646 135,567 135,341 154,310 168,075

Details may not add up to totals due to rounding-off Source: Supervisory Data Center, Financial Supervision Sector

II. 76 Table 4.a INCOME STATEMENT Universal and Commercial Banks 2013 - 2017 In Million Pesos Selected Accounts 2013 2014 2015 2016 2017 Total Operating Income 376,027 389,245 396,280 443,735 491,227 Net interest income 223,194 261,750 283,878 314,878 369,383 Interest Income 295,497 332,928 367,284 405,975 474,585 Provision for Losses on Accrued Interest Income from Financial Assets 263 346 185 68 261 Less: Interest Expenses 72,040 70,832 83,221 91,030 104,940 Non-interest income 152,833 127,495 112,402 128,857 121,844 Dividend Income 4,279 4,082 3,859 4,088 3,302 Fee-based income 51,616 55,459 59,083 62,610 71,346 Payment Services 1,476 1,852 2,551 2,333 2,397 Intermediation Services 20,002 20,282 20,312 20,519 22,279 Custodianship 817 881 945 811 947 Underwriting and Securities Dealership 169 470 566 121 33 Income from Securities Brokering Activities 53 107 173 Securitization Activities 13 3 0 0 0 Income from Fiduciary Activities 9,544 9,070 9,358 9,316 7,538 Others 19,597 22,901 25,298 29,403 37,978 Trading Income 85,098 54,740 37,581 50,285 36,053 Realized Gains/(Losses) from Sale/Redemption (16,352) 4,802 (6,955) (675) 11,171 Government Securities 8,777 2,566 1,035 4,406 583 Private Securities/CPs/Equity Securities 603 313 387 591 188 Financial Futures/Options/Fwds/Swaps (25,732) 1,924 (8,377) (5,672) 10,401 Unrealized Gains/(Losses) from Marking-to-Market 5,042 720 2,250 658 (4,229) Government Securities (2,007) 275 (1,080) 367 (202) Private Securities/CPs/Equity Securities (555) 183 (323) 73 100 Financial Futures/Options/Fwds/Swaps 7,605 262 3,653 218 (4,127) Realized Gains/(Losses) from Foreign Exchange Transactions 11,460 3,843 9,122 11,447 3,928 Foreign Exchange Profit/(Loss) 18,222 5,489 7,180 6,727 7,038 Profit/(Loss) from Sale/Redemption/Derecognition of Non-Trading 59,923 18,495 16,813 24,884 7,940 Financial Assets and Liabilities Profit/(Loss) from Sale/Derecognition of Non-Financial Assets 6,487 18,021 9,355 6,973 10,036 Profit/(Loss) on Financial Assets and Liabilities Designated at Fair 377 3,364 (205) 265 172 Value through Profit or Loss Profit/(Loss) on Fair Value Adjustment in Hedge Accounting (62) 7 23 6 (2) Other income 11,840 13,214 11,878 11,875 11,142 Non-interest Expense 223,498 238,993 252,584 279,866 311,774 Compensation/Fringe Benefits 79,401 87,359 94,969 103,739 113,130 Taxes and Licenses 23,103 23,194 23,968 26,006 29,528 Fees and Commission 6,010 7,157 8,630 8,738 15,609 Other Administrative Expenses 95,506 103,555 109,449 122,499 133,204 Depreciation/Amortization 15,026 15,332 16,533 17,867 19,409 Impairment Losses 1,956 790 573 498 709 Provisions 2,496 1,606 (1,538) 518 186 Losses/Recoveries on Financial Assets (22,245) (19,706) (15,856) (22,127) (27,603) Provision for Credit Losses on Loans and Receivables and Other (20,273) (18,001) (17,964) (27,108) (28,162) Financial Assets Bad Debts Written Off (4,624) (4,879) (4,384) (3,590) (3,154) Recovery on Charged-Off Assets 2,653 3,174 6,491 8,571 3,712 Net Profit Before Share in the Profit/(Loss) of Unconsolidated 130,284 130,547 127,839 141,743 151,850 Subsidiaries, Associates and Joint Ventures Accounted for Using the Equity Method Share in the Profit/(Loss) of Unconsolidated Subsidiaries, Associates 26,544 16,431 17,641 22,233 27,424 and Joint Ventures Accounted for Using the Equity Method Total Profit/Loss Before Tax and Before Minority Interest 156,828 146,977 145,480 163,976 179,274 Income Tax Expense 24,339 25,316 25,205 27,020 32,944 Total Profit/Loss After Tax and Before Minority Interest 132,489 121,661 120,275 136,956 146,330 Minority Interest in Profit/(Loss) of Subsidiaries 0 0 0 0 0 Net Profit or Loss 132,489 121,661 120,275 136,956 146,330 Details may not add up to totals due to rounding-off Source: Supervisory Data Center, Financial Supervision Sector

II. 77 Table 4.a.1a INCOME STATEMENT Universal Banks 2013 - 2017 In Million Pesos Selected Accounts 2013 2014 2015 2016 2017 Total Operating Income 331,662 347,542 353,265 396,639 438,980 Net interest income 198,200 233,519 254,917 282,479 332,259 Interest Income 264,117 297,692 332,115 367,400 429,209 Provision for Losses on Accrued Interest Income from Financial Assets 38 0 18 50 2 Less: Interest Expenses 65,879 64,172 77,180 84,871 96,948 Non-interest income 133,462 114,023 98,348 114,160 106,721 Dividend Income 4,248 3,992 3,731 4,010 3,232 Fee-based income 45,116 49,069 52,244 54,935 63,096 Payment Services 1,255 1,594 2,087 1,854 1,935 Intermediation Services 15,588 15,873 16,307 16,433 18,087 Custodianship 632 650 675 542 673 Underwriting and Securities Dealership 169 470 566 121 33 Income from Securities Brokering Activities 52 106 171 Securitization Activities 0 0 0 0 0 Income from Fiduciary Activities 9,001 8,490 8,605 8,481 6,664 Others 18,471 21,992 23,952 27,399 35,533 Trading Income 73,481 49,096 32,367 45,419 31,746 Realized Gains/(Losses) from Sale/Redemption (21,155) 3,355 (5,797) (2,074) 9,900 Government Securities 6,406 1,772 629 3,540 366 Private Securities/CPs/Equity Securities 615 272 323 549 191 Financial Futures/Options/Fwds/Swaps (28,176) 1,311 (6,749) (6,163) 9,343 Unrealized Gains/(Losses) from Marking-to-Market 3,545 785 2,161 223 (3,648) Government Securities (1,893) 236 (925) 137 (93) Private Securities/CPs/Equity Securities (554) 184 (318) 77 90 Financial Futures/Options/Fwds/Swaps 5,992 365 3,404 9 (3,646) Realized Gains/(Losses) from Foreign Exchange Transactions 11,851 3,562 5,913 11,357 3,625 Foreign Exchange Profit/(Loss) 19,054 3,607 5,741 5,144 5,045 Profit/(Loss) from Sale/Redemption/Derecognition of Non-Trading 54,022 17,023 15,751 23,865 7,621 Financial Assets and Liabilities Profit/(Loss) from Sale/Derecognition of Non-Financial Assets 5,848 17,394 8,780 6,636 9,030 Profit/(Loss) on Financial Assets and Liabilities Designated at Fair 377 3,364 (205) 265 172 Value through Profit or Loss Profit/(Loss) on Fair Value Adjustment in Hedge Accounting (62) 7 23 4 1 Other income 10,618 11,866 10,006 9,797 8,648 Non-interest Expense 195,553 208,728 221,973 245,727 275,686 Compensation/Fringe Benefits 69,517 76,545 83,936 92,087 101,101 Taxes and Licenses 20,293 20,356 20,998 22,709 25,742 Fees and Commission 5,257 6,159 7,395 7,537 14,470 Other Administrative Expenses 83,323 89,838 94,870 107,337 116,916 Depreciation/Amortization 13,279 13,417 14,468 15,614 17,081 Impairment Losses 1,945 186 180 156 477 Provisions 1,940 2,226 126 286 (99) Losses/Recoveries on Financial Assets (19,701) (17,463) (11,855) (20,538) (24,464) Provision for Credit Losses on Loans and Receivables and Other (18,981) (17,137) (15,659) (22,742) (26,222) Financial Assets Bad Debts Written Off (2,604) (2,655) (1,971) (1,422) (912) Recovery on Charged-Off Assets 1,884 2,330 5,775 3,626 2,670 Net Profit Before Share in the Profit/(Loss) of Unconsolidated 116,408 121,352 119,438 130,375 138,830 Subsidiaries, Associates and Joint Ventures Accounted for Using the Equity Method Share in the Profit/(Loss) of Unconsolidated Subsidiaries, Associates 26,542 16,413 17,574 22,204 27,424 and Joint Ventures Accounted for Using the Equity Method Total Profit/Loss Before Tax and Before Minority Interest 142,951 137,766 137,012 152,579 166,255 Income Tax Expense 19,465 21,837 21,749 22,800 28,528 Total Profit/Loss After Tax and Before Minority Interest 123,485 115,929 115,263 129,779 137,726 Minority Interest in Profit/(Loss) of Subsidiaries 0 0 0 0 0 Net Profit or Loss 123,485 115,929 115,263 129,779 137,726

Details may not add up to totals due to rounding-off Source: Supervisory Data Center, Financial Supervision Sector

II. 78 Table 4.a.1b INCOME STATEMENT Commercial Banks 2013 - 2017 In Million Pesos

Selected Accounts 2013 2014 2015 2016 2017 Total Operating Income 44,364 41,703 43,015 47,096 52,247 Net interest income 24,994 28,231 28,961 32,398 37,124 Interest Income 31,380 35,236 35,169 38,575 45,376 Provision for Losses on Accrued Interest Income from Financial Assets 225 346 168 18 259 Less: Interest Expenses 6,161 6,660 6,041 6,158 7,992 Non-interest income 19,370 13,472 14,054 14,697 15,123 Dividend Income 31 90 128 78 71 Fee-based income 6,500 6,390 6,840 7,675 8,250 Payment Services 221 258 464 479 463 Intermediation Services 4,414 4,409 4,005 4,087 4,192 Custodianship 184 231 270 269 274 Underwriting and Securities Dealership 0 0 0 0 0 Income from Securities Brokering Activities 0 2 2 Securitization Activities 13 3 0 0 0 Income from Fiduciary Activities 542 580 753 835 875 Others 1,126 909 1,346 2,004 2,445 Trading Income 11,617 5,644 5,214 4,866 4,308 Realized Gains/(Losses) from Sale/Redemption 4,804 1,448 (1,159) 1,399 1,271 Government Securities 2,371 794 405 866 216 Private Securities/CPs/Equity Securities (11) 41 64 42 (3) Financial Futures/Options/Fwds/Swaps 2,444 613 (1,628) 491 1,058 Unrealized Gains/(Losses) from Marking-to-Market 1,497 (65) 88 436 (581) Government Securities (115) 39 (155) 231 (110) Private Securities/CPs/Equity Securities (1) (1) (5) (5) 9 Financial Futures/Options/Fwds/Swaps 1,612 (102) 248 210 (481) Realized Gains/(Losses) from Foreign Exchange Transactions (391) 282 3,209 90 303 Foreign Exchange Profit/(Loss) (832) 1,881 1,439 1,583 1,993 Profit/(Loss) from Sale/Redemption/Derecognition of Non-Trading 5,901 1,472 1,063 1,019 319 Financial Assets and Liabilities Profit/(Loss) from Sale/Derecognition of Non-Financial Assets 638 626 574 337 1,006 Profit/(Loss) on Financial Assets and Liabilities Designated at Fair 0 0 0 0 0 Value through Profit or Loss Profit/(Loss) on Fair Value Adjustment in Hedge Accounting 0 0 0 2 (3) Other income 1,222 1,348 1,872 2,078 2,494 Non-interest Expense 27,945 30,265 30,612 34,139 36,088 Compensation/Fringe Benefits 9,884 10,815 11,033 11,652 12,029 Taxes and Licenses 2,811 2,837 2,969 3,297 3,786 Fees and Commission 753 998 1,235 1,200 1,139 Other Administrative Expenses 12,183 13,717 14,579 15,162 16,288 Depreciation/Amortization 1,747 1,914 2,065 2,254 2,329 Impairment Losses 11 604 394 342 232 Provisions 556 (620) (1,664) 232 285 Losses/Recoveries on Financial Assets (2,544) (2,243) (4,002) (1,589) (3,139) Provision for Credit Losses on Loans and Receivables and Other (1,292) (864) (2,305) (4,367) (1,940) Financial Assets Bad Debts Written Off (2,020) (2,223) (2,413) (2,168) (2,242) Recovery on Charged-Off Assets 769 844 716 4,945 1,042 Net Profit Before Share in the Profit/(Loss) of Unconsolidated 13,876 9,194 8,402 11,368 13,019 Subsidiaries, Associates and Joint Ventures Accounted for Using the Equity Method Share in the Profit/(Loss) of Unconsolidated Subsidiaries, Associates 2 17 67 29 0 and Joint Ventures Accounted for Using the Equity Method Total Profit/Loss Before Tax and Before Minority Interest 13,877 9,212 8,469 11,397 13,019 Income Tax Expense 4,874 3,479 3,457 4,220 4,415 Total Profit/Loss After Tax and Before Minority Interest 9,003 5,732 5,012 7,177 8,604 Minority Interest in Profit/(Loss) of Subsidiaries 0 0 0 0 0 Net Profit or Loss 9,003 5,732 5,012 7,177 8,604

Details may not add up to totals due to rounding-off Source: Supervisory Data Center, Financial Supervision Sector

II. 79 Table 4.a.2a INCOME STATEMENT Private Domestic Universal and Commercial Banks 2013 - 2017 In Million Pesos Selected Accounts 2013 2014 2015 2016 2017 Total Operating Income 274,486 293,283 296,265 337,193 377,173 Net interest income 163,704 194,587 211,903 237,013 281,223 Interest Income 219,684 249,091 275,904 307,288 364,505 Provision for Losses on Accrued Interest Income from Financial Assets 250 339 173 60 238 Less: Interest Expenses 55,730 54,165 63,828 70,214 83,044 Non-interest income 110,782 98,696 84,362 100,180 95,950 Dividend Income 1,495 1,297 1,017 995 873 Fee-based income 38,739 42,904 46,151 49,389 58,021 Payment Services 886 1,201 1,680 1,375 1,464 Intermediation Services 12,577 13,460 14,105 14,382 16,442 Custodianship 0 0 0 0 0 Underwriting and Securities Dealership 2 176 270 28 6 Income from Securities Brokering Activities 26 51 96 Securitization Activities 13 3 0 0 0 Income from Fiduciary Activities 8,565 8,311 8,806 8,797 7,027 Others 16,695 19,752 21,264 24,756 32,986 Trading Income 61,139 43,897 27,941 42,949 28,572 Realized Gains/(Losses) from Sale/Redemption (2,782) 516 1,226 7,386 9,637 Government Securities 5,359 1,695 858 3,327 (24) Private Securities/CPs/Equity Securities 378 229 316 565 144 Financial Futures/Options/Fwds/Swaps (8,519) (1,408) 52 3,494 9,517 Unrealized Gains/(Losses) from Marking-to-Market 1,981 1,719 414 472 (1,402) Government Securities (2,204) 360 (967) 315 (22) Private Securities/CPs/Equity Securities (556) 191 (326) 68 106 Financial Futures/Options/Fwds/Swaps 4,741 1,167 1,707 89 (1,486) Realized Gains/(Losses) from Foreign Exchange Transactions 1,234 1,983 (1,549) 1,112 (3,442) Foreign Exchange Profit/(Loss) 7,570 2,898 6,096 3,875 7,244 Profit/(Loss) from Sale/Redemption/Derecognition of Non-Trading 46,811 16,007 13,286 23,468 7,197 Financial Assets and Liabilities Profit/(Loss) from Sale/Derecognition of Non-Financial Assets 5,960 17,412 8,655 6,368 9,168 Profit/(Loss) on Financial Assets and Liabilities Designated at Fair 364 3,360 (189) 265 172 Value through Profit or Loss Profit/(Loss) on Fair Value Adjustment in Hedge Accounting 2 1 1 2 (2) Other income 9,409 10,599 9,254 6,847 8,484 Non-interest Expense 165,759 177,641 187,232 212,029 238,831 Compensation/Fringe Benefits 59,126 65,685 72,184 80,178 86,866 Taxes and Licenses 16,654 17,112 17,309 18,679 21,822 Fees and Commission 2,366 3,251 4,417 4,707 11,639 Other Administrative Expenses 70,244 76,157 80,095 92,441 101,360 Depreciation/Amortization 12,958 13,155 14,299 15,365 16,764 Impairment Losses 1,938 704 494 360 673 Provisions 2,471 1,577 (1,567) 299 (294) Losses/Recoveries on Financial Assets (16,236) (14,194) (11,153) (19,387) (20,829) Provision for Credit Losses on Loans and Receivables and Other (17,099) (15,409) (15,289) (21,456) (22,938) Financial Assets Bad Debts Written Off 0 (0) 0 (0) 0 Recovery on Charged-Off Assets 863 1,215 4,136 2,069 2,109 Net Profit Before Share in the Profit/(Loss) of Unconsolidated 92,491 101,449 97,880 105,776 117,514 Subsidiaries, Associates and Joint Ventures Accounted for Using the Equity Method Share in the Profit/(Loss) of Unconsolidated Subsidiaries, Associates 26,535 16,518 17,685 22,220 27,185 and Joint Ventures Accounted for Using the Equity Method Total Profit/Loss Before Tax and Before Minority Interest 119,026 117,967 115,565 127,996 144,699 Income Tax Expense 15,355 19,484 19,308 19,832 27,081 Total Profit/Loss After Tax and Before Minority Interest 103,671 98,482 96,256 108,164 117,618 Minority Interest in Profit/(Loss) of Subsidiaries 0 0 0 0 0 Net Profit or Loss 103,671 98,482 96,256 108,164 117,618 Details may not add up to totals due to rounding-off Source: Supervisory Data Center, Financial Supervision Sector

II. 80 Table 4.a.2b INCOME STATEMENT Government Banks 1/ 2013 - 2017 In Million Pesos

Selected Accounts 2013 2014 2015 2016 2017 Total Operating Income 48,028 45,976 49,497 51,890 60,438 Net interest income 31,002 36,361 40,076 44,650 52,665 Interest Income 42,425 47,942 54,859 60,903 68,234 Provision for Losses on Accrued Interest Income from Financial Assets 0 0 0 0 2 Less: Interest Expenses 11,423 11,581 14,783 16,252 15,567 Non-interest income 17,026 9,615 9,420 7,239 7,772 Dividend Income 1,825 1,901 2,310 2,652 2,040 Fee-based income 1,498 1,745 2,095 2,238 2,678 Payment Services 131 124 159 244 372 Intermediation Services 286 392 452 482 506 Custodianship 0 0 0 0 0 Underwriting and Securities Dealership 107 99 132 75 10 Income from Securities Brokering Activities 6 27 43 Securitization Activities 0 0 0 0 0 Income from Fiduciary Activities 266 241 256 287 281 Others 709 889 1,090 1,124 1,466 Trading Income 12,430 4,912 3,838 1,550 2,395 Realized Gains/(Losses) from Sale/Redemption (8,666) 352 (1,047) (946) 94 Government Securities 669 340 3 279 368 Private Securities/CPs/Equity Securities 14 46 4 9 36 Financial Futures/Options/Fwds/Swaps (9,350) (34) (1,054) (1,234) (310) Unrealized Gains/(Losses) from Marking-to-Market (1,760) (801) (36) 100 729 Government Securities (5) (26) (111) (75) (34) Private Securities/CPs/Equity Securities (31) (5) 0 (1) (0) Financial Futures/Options/Fwds/Swaps (1,724) (770) 74 177 763 Realized Gains/(Losses) from Foreign Exchange Transactions 83 57 412 432 337 Foreign Exchange Profit/(Loss) 10,668 2,361 603 455 (222) Profit/(Loss) from Sale/Redemption/Derecognition of Non-Trading 11,765 2,368 3,273 869 613 Financial Assets and Liabilities Profit/(Loss) from Sale/Derecognition of Non-Financial Assets 341 576 632 640 843 Profit/(Loss) on Financial Assets and Liabilities Designated at Fair 0 0 0 0 0 Value through Profit or Loss Profit/(Loss) on Fair Value Adjustment in Hedge Accounting 0 0 0 0 0 Other income 1,273 1,057 1,178 799 661 Non-interest Expense 25,566 26,942 29,772 31,325 36,921 Compensation/Fringe Benefits 9,867 10,460 11,426 11,795 14,539 Taxes and Licenses 2,967 2,589 2,995 3,409 4,032 Fees and Commission 1,973 2,151 2,437 2,117 2,101 Other Administrative Expenses 9,674 10,592 11,740 12,523 14,481 Depreciation/Amortization 1,056 1,110 1,144 1,313 1,437 Impairment Losses 7 35 29 104 22 Provisions 22 7 0 63 308 Losses/Recoveries on Financial Assets (1,810) (320) (205) (680) (2,563) Provision for Credit Losses on Loans and Receivables and Other (1,931) (573) (327) (773) (2,680) Financial Assets Bad Debts Written Off (0) (0) (0) 0 (3) Recovery on Charged-Off Assets 121 253 122 93 121 Net Profit Before Share in the Profit/(Loss) of Unconsolidated 20,652 18,714 19,520 19,885 20,954 Subsidiaries, Associates and Joint Ventures Accounted for Using the Equity Method Share in the Profit/(Loss) of Unconsolidated Subsidiaries, Associates 9 (87) (44) 14 35 and Joint Ventures Accounted for Using the Equity Method Total Profit/Loss Before Tax and Before Minority Interest 20,661 18,627 19,476 19,899 20,989 Income Tax Expense 3,725 2,127 1,556 2,176 1,867 Total Profit/Loss After Tax and Before Minority Interest 16,936 16,499 17,920 17,722 19,122 Minority Interest in Profit/(Loss) of Subsidiaries 0 0 0 0 0 Net Profit or Loss 16,936 16,499 17,920 17,722 19,122

1/ Consist of Al-Amanah Islamic Bank of the Philippines, Development Bank of the Philippines and Land Bank of the Philippines Details may not add up to totals due to rounding-off Source: Supervisory Data Center, Financial Supervision Sector

II. 81 Table 4.a.2c INCOME STATEMENT Foreign Bank Branches (Universal/Commercial Bank) 2013 - 2017 In Million Pesos

Selected Accounts 2013 2014 2015 2016 2017 Total Operating Income 47,882 43,901 43,503 47,355 45,461 Net interest income 24,541 25,896 26,290 27,156 28,840 Interest Income 28,281 30,045 29,820 30,413 33,492 Provision for Losses on Accrued Interest Income from Financial Assets (2) (9) (0) (0) 0 Less: Interest Expenses 3,743 4,158 3,530 3,258 4,652 Non-interest income 23,341 18,005 17,213 20,199 16,621 Dividend Income 958 883 532 435 385 Fee-based income 10,720 10,255 10,112 10,363 10,031 Payment Services 459 527 712 714 562 Intermediation Services 6,589 6,054 5,275 5,259 4,937 Custodianship 816 881 945 810 946 Underwriting and Securities Dealership 59 194 164 18 17 Income from Securities Brokering Activities 21 29 34 Securitization Activities 0 0 0 0 0 Income from Fiduciary Activities 695 498 255 190 186 Others 2,102 2,101 2,740 3,342 3,348 Trading Income 10,680 5,576 5,435 5,514 4,709 Realized Gains/(Losses) from Sale/Redemption (5,720) 3,862 (4,664) (7,233) 1,267 Government Securities 2,533 517 152 622 211 Private Securities/CPs/Equity Securities 212 33 62 14 8 Financial Futures/Options/Fwds/Swaps (8,464) 3,313 (4,878) (7,870) 1,048 Unrealized Gains/(Losses) from Marking-to-Market 4,622 (258) 1,755 (18) (3,395) Government Securities 206 (52) (22) 128 (143) Private Securities/CPs/Equity Securities 32 (3) 3 5 (6) Financial Futures/Options/Fwds/Swaps 4,383 (202) 1,775 (151) (3,246) Realized Gains/(Losses) from Foreign Exchange Transactions 10,618 1,643 7,684 9,999 6,994 Foreign Exchange Profit/(Loss) (52) 228 422 2,195 (206) Profit/(Loss) from Sale/Redemption/Derecognition of Non-Trading 1,252 113 185 452 54 Financial Assets and Liabilities Profit/(Loss) from Sale/Derecognition of Non-Financial Assets 11 (23) 46 115 (4) Profit/(Loss) on Financial Assets and Liabilities Designated at Fair 13 4 (17) 0 0 Value through Profit or Loss Profit/(Loss) on Fair Value Adjustment in Hedge Accounting (64) 5 22 3 0 Other income 983 1,291 1,134 3,887 1,495 Non-interest Expense 28,031 29,802 30,580 31,033 30,075 Compensation/Fringe Benefits 8,793 9,423 9,289 9,440 9,286 Taxes and Licenses 3,097 3,133 3,253 3,471 3,125 Fees and Commission 1,477 1,570 1,655 1,768 1,710 Other Administrative Expenses 13,977 14,964 15,642 15,438 15,235 Depreciation/Amortization 684 688 681 760 672 Impairment Losses 0 0 32 0 8 Provisions 3 22 29 157 39 Losses/Recoveries on Financial Assets (3,749) (4,656) (3,787) (496) (3,819) Provision for Credit Losses on Loans and Receivables and Other (722) (1,413) (1,549) (3,167) (1,996) Financial Assets Bad Debts Written Off (4,624) (4,878) (4,384) (3,590) (3,151) Recovery on Charged-Off Assets 1,597 1,635 2,146 6,260 1,328 Net Profit Before Share in the Profit/(Loss) of Unconsolidated 16,102 9,444 9,136 15,826 11,567 Subsidiaries, Associates and Joint Ventures Accounted for Using the Equity Method Share in the Profit/(Loss) of Unconsolidated Subsidiaries, Associates 0 0 0 0 204 and Joint Ventures Accounted for Using the Equity Method Total Profit/Loss Before Tax and Before Minority Interest 16,102 9,444 9,136 15,826 11,771 Income Tax Expense 4,919 3,234 3,920 4,845 3,477 Total Profit/Loss After Tax and Before Minority Interest 11,183 6,209 5,216 10,981 8,294 Minority Interest in Profit/(Loss) of Subsidiaries 0 0 0 0 0 Net Profit or Loss 11,183 6,209 5,216 10,981 8,294

Details may not add up to totals due to rounding-off Source: Supervisory Data Center, Financial Supervision Sector

II. 82 Table 4.a.2d INCOME STATEMENT Foreign Bank Subsidiaries (Universal/Commercial Bank) 2013 - 2017 In Million Pesos

Selected Accounts 2013 2014 2015 2016 2017 Total Operating Income 5,631 6,085 7,016 7,298 8,156 Net interest income 3,948 4,905 5,609 6,058 6,655 Interest Income 5,107 5,850 6,701 7,371 8,354 Provision for Losses on Accrued Interest Income from Financial Assets 15 16 12 8 22 Less: Interest Expenses 1,145 928 1,080 1,305 1,678 Non-interest income 1,684 1,179 1,407 1,240 1,501 Dividend Income 1 1 1 6 5 Fee-based income 659 555 726 620 616 Payment Services 0 0 0 0 0 Intermediation Services 550 376 480 397 394 Custodianship 0 0 0 0 0 Underwriting and Securities Dealership 0 0 0 0 0 Income from Securities Brokering Activities 0 0 0 Securitization Activities 0 0 0 0 0 Income from Fiduciary Activities 17 20 41 42 44 Others 92 159 205 181 178 Trading Income 849 356 368 272 377 Realized Gains/(Losses) from Sale/Redemption 817 72 (2,471) 118 173 Government Securities 216 14 21 178 27 Private Securities/CPs/Equity Securities 0 4 4 2 0 Financial Futures/Options/Fwds/Swaps 601 54 (2,496) (62) 146 Unrealized Gains/(Losses) from Marking-to-Market 199 60 116 104 (161) Government Securities (4) (8) 20 (0) (3) Private Securities/CPs/Equity Securities 0 0 0 0 (1) Financial Futures/Options/Fwds/Swaps 204 67 96 104 (158) Realized Gains/(Losses) from Foreign Exchange Transactions (474) 160 2,574 (96) 39 Foreign Exchange Profit/(Loss) 37 2 58 202 222 Profit/(Loss) from Sale/Redemption/Derecognition of Non-Trading 95 7 69 95 75 Financial Assets and Liabilities Profit/(Loss) from Sale/Derecognition of Non-Financial Assets 175 56 21 (151) 29 Profit/(Loss) on Financial Assets and Liabilities Designated at Fair 0 0 0 0 0 Value through Profit or Loss Profit/(Loss) on Fair Value Adjustment in Hedge Accounting 0 0 0 0 0 Other income 176 267 313 341 503 Non-interest Expense 4,143 4,608 5,001 5,478 5,948 Compensation/Fringe Benefits 1,615 1,791 2,070 2,325 2,438 Taxes and Licenses 385 360 411 448 548 Fees and Commission 193 185 122 145 158 Other Administrative Expenses 1,610 1,842 1,971 2,097 2,128 Depreciation/Amortization 328 379 409 429 537 Impairment Losses 11 51 18 34 6 Provisions 0 0 0 0 133 Losses/Recoveries on Financial Assets (450) (536) (711) (1,564) (393) Provision for Credit Losses on Loans and Receivables and Other (521) (607) (798) (1,712) (547) Financial Assets Bad Debts Written Off 0 0 (0) 0 0 Recovery on Charged-Off Assets 72 71 87 149 155 Net Profit Before Share in the Profit/(Loss) of Unconsolidated 1,039 940 1,304 256 1,815 Subsidiaries, Associates and Joint Ventures Accounted for Using the Equity Method Share in the Profit/(Loss) of Unconsolidated Subsidiaries, Associates 0 0 0 0 0 and Joint Ventures Accounted for Using the Equity Method Total Profit/Loss Before Tax and Before Minority Interest 1,039 940 1,304 256 1,815 Income Tax Expense 340 470 421 168 518 Total Profit/Loss After Tax and Before Minority Interest 699 470 883 88 1,297 Minority Interest in Profit/(Loss) of Subsidiaries 0 0 0 0 0 Net Profit or Loss 699 470 883 88 1,297 Details may not add up to totals due to rounding-off Source: Supervisory Data Center, Financial Supervision Sector

II. 83 Table 4.b INCOME STATEMENT Thrift Banks 2013 - 2017 In Million Pesos

Selected Accounts 2013 2014 2015 2016 2017 Total Operating Income 50,996 52,817 60,931 66,931 72,798 Net interest income 34,076 40,989 49,120 53,686 58,866 Interest Income 47,721 54,319 65,105 70,893 77,176 Provision for Losses on Accrued Interest Income from Financial Assets 87 92 125 186 100 Less: Interest Expenses 13,557 13,422 15,860 17,021 18,211 Non-interest income 16,920 11,828 11,811 13,245 13,932 Dividend Income 5 11 26 27 22 Fee-based income 5,800 7,091 8,118 8,901 8,897 Payment Services 264 279 271 370 292 Intermediation Services 2,855 3,364 3,696 3,911 4,615 Custodianship 0 0 0 5 4 Underwriting and Securities Dealership 0 0 0 0 0 Income from Securities Brokering Activities 0 0 0 Securitization Activities 0 0 0 0 0 Income from Fiduciary Activities 110 95 102 109 114 Others 2,571 3,354 4,049 4,507 3,872 Trading Income 9,884 3,445 1,817 2,532 2,954 Realized Gains/(Losses) from Sale/Redemption 5,767 617 129 469 145 Government Securities 5,744 593 127 470 141 Private Securities/CPs/Equity Securities 23 24 7 3 5 Financial Futures/Options/Fwds/Swaps 0 (0) (5) (4) 0 Unrealized Gains/(Losses) from Marking-to-Market (17) 2 (239) (2) (14) Government Securities (15) 15 (239) (1) (14) Private Securities/CPs/Equity Securities (0) (13) (0) (1) 0 Financial Futures/Options/Fwds/Swaps (2) 0 0 0 0 Realized Gains/(Losses) from Foreign Exchange Transactions 126 81 84 60 60 Foreign Exchange Profit/(Loss) 180 139 186 154 124 Profit/(Loss) from Sale/Redemption/Derecognition of Non-Trading 2,379 979 135 291 123 Financial Assets and Liabilities Profit/(Loss) from Sale/Derecognition of Non-Financial Assets 1,455 1,583 1,527 1,553 2,510 Profit/(Loss) on Financial Assets and Liabilities Designated at Fair 1 52 (0) 4 4 Value through Profit or Loss Profit/(Loss) on Fair Value Adjustment in Hedge Accounting (7) (7) (5) 3 0 Other income 1,231 1,280 1,849 1,785 2,059 Non-interest Expense 33,021 35,205 40,672 42,903 45,911 Compensation/Fringe Benefits 10,284 11,207 13,094 13,830 15,074 Taxes and Licenses 3,139 3,005 3,425 3,771 4,088 Fees and Commission 414 485 979 1,279 1,710 Other Administrative Expenses 14,342 15,856 17,166 18,081 19,992 Depreciation/Amortization 2,953 3,199 3,478 3,974 4,083 Impairment Losses 756 71 500 351 261 Provisions 1,134 1,381 2,030 1,617 704 Losses/Recoveries on Financial Assets (4,973) (4,134) (5,334) (6,890) (4,960) Provision for Credit Losses on Loans and Receivables and Other (5,157) (4,425) (5,837) (7,362) (5,557) Financial Assets Bad Debts Written Off (34) (125) (28) (31) (29) Recovery on Charged-Off Assets 219 415 532 503 626 Net Profit Before Share in the Profit/(Loss) of Unconsolidated 13,002 13,294 14,925 17,138 21,927 Subsidiaries, Associates and Joint Ventures Accounted for Using the Equity Method Share in the Profit/(Loss) of Unconsolidated Subsidiaries, Associates 57 101 67 125 394 and Joint Ventures Accounted for Using the Equity Method Total Profit/Loss Before Tax and Before Minority Interest 13,059 13,395 14,992 17,263 22,321 Income Tax Expense 3,263 3,109 3,206 3,374 4,382 Total Profit/Loss After Tax and Before Minority Interest 9,796 10,287 11,786 13,889 17,939 Minority Interest in Profit/(Loss) of Subsidiaries 0 0 0 0 0 Net Profit or Loss 9,796 10,287 11,786 13,889 17,939

Details may not add up to totals due to rounding-off Source: Supervisory Data Center, Financial Supervision Sector

II. 84 Table 4.c INCOME STATEMENT Rural and Cooperative Banks 2013 - 2017 In Million Pesos

Selected Accounts 2013 2014 2015 2016 2017 Total Operating Income 23,223 25,174 22,460 24,367 26,760 Net interest income 17,676 18,864 16,151 17,395 19,151 Interest Income 23,508 24,493 20,118 21,210 22,895 Provision for Losses on Accrued Interest Income from Financial Assets 2 16 24 1 14 Less: Interest Expenses 5,830 5,613 3,944 3,814 3,731 Non-interest income 5,547 6,310 6,309 6,972 7,609 Dividend Income 5 7 7 0 0 Fee-based income 2,567 3,570 3,668 4,437 4,528 Payment Services 403 365 406 471 504 Intermediation Services 1,237 2,113 2,107 1,750 1,978 Custodianship 0 0 0 0 0 Underwriting and Securities Dealership 0 0 0 0 0 Income from Securities Brokering Activities 0 0 0 Securitization Activities 0 0 0 0 0 Income from Fiduciary Activities 0 0 0 0 0 Others 927 1,092 1,154 2,216 2,047 Trading Income 1,139 952 1,424 1,173 1,532 Realized Gains/(Losses) from Sale/Redemption 12 6 5 2 6 Government Securities 0 0 0 0 0 Private Securities/CPs/Equity Securities 0 0 0 0 0 Financial Futures/Options/Fwds/Swaps 0 0 0 0 0 Unrealized Gains/(Losses) from Marking-to-Market 0 0 0 0 0 Government Securities 0 0 0 0 0 Private Securities/CPs/Equity Securities 0 0 0 0 0 Financial Futures/Options/Fwds/Swaps 0 0 0 0 0 Realized Gains/(Losses) from Foreign Exchange Transactions 0 0 0 0 0 Foreign Exchange Profit/(Loss) 3 3 4 6 2 Profit/(Loss) from Sale/Redemption/Derecognition of Non-Trading 196 84 238 9 33 Financial Assets and Liabilities Profit/(Loss) from Sale/Derecognition of Non-Financial Assets 927 856 1,128 1,131 1,394 Profit/(Loss) on Financial Assets and Liabilities Designated at Fair 0 2 48 26 97 Value through Profit or Loss Profit/(Loss) on Fair Value Adjustment in Hedge Accounting 0 0 0 0 0 Other income 1,836 1,782 1,210 1,362 1,547 Non-interest Expense 18,007 18,642 17,129 18,529 20,480 Compensation/Fringe Benefits 7,047 7,622 7,190 8,033 8,902 Taxes and Licenses 1,375 1,558 1,413 1,507 1,692 Fees and Commission 486 303 84 145 275 Other Administrative Expenses 6,073 6,692 6,155 6,315 6,955 Depreciation/Amortization 1,167 1,206 1,232 1,345 1,437 Impairment Losses 409 528 59 49 46 Provisions 1,450 733 996 1,136 1,172 Losses/Recoveries on Financial Assets (1,934) (1,866) (956) (1,021) (1,184) Provision for Credit Losses on Loans and Receivables and Other (1,921) (1,929) (1,005) (1,061) (1,258) Financial Assets Bad Debts Written Off (96) (72) (106) (132) (114) Recovery on Charged-Off Assets 83 136 155 172 189 Net Profit Before Share in the Profit/(Loss) of Unconsolidated 3,283 4,666 4,375 4,817 5,096 Subsidiaries, Associates and Joint Ventures Accounted for Using the Equity Method Share in the Profit/(Loss) of Unconsolidated Subsidiaries, Associates 1 2 0 0 87 and Joint Ventures Accounted for Using the Equity Method Total Profit/Loss Before Tax and Before Minority Interest 3,284 4,668 4,375 4,817 5,184 Income Tax Expense 922 1,049 1,095 1,352 1,378 Total Profit/Loss After Tax and Before Minority Interest 2,361 3,619 3,280 3,465 3,806 Minority Interest in Profit/(Loss) of Subsidiaries 0 0 0 0 0 Net Profit or Loss 2,361 3,619 3,280 3,465 3,806

Details may not add up to totals due to rounding-off Source: Supervisory Data Center, Financial Supervision Sector

II. 85 Table 5 SUMMARY REPORT ON COMPLIANCE WITH AGRI-AGRA REFORM CREDIT ACT OF 2009 1/ The Philippine Banking System 2013 - 2017 In Million Pesos

2017 SELECTED ACCOUNTS 2013 2014 2015 2016 3.31 6.30 9.30 12.31

Total Loanable Funds Generated 1,794,780 2,151,713 2,843,931 3,529,072 3,626,002 3,813,986 3,992,142 4,134,275

Minimum Requirements 10% for Agrarian Reform 179,478 215,171 284,393 352,907 362,600 381,399 399,214 413,427 15% for Agricultural / Other Credits 269,217 322,757 426,590 529,361 543,900 572,098 598,821 620,141 25% Total 448,695 537,928 710,983 882,268 906,500 953,497 998,035 1,033,569

Compliance/Utilization 10% for Agrarian Reform 24,740 31,415 31,496 36,013 36,892 39,519 40,552 43,464 15% for Agricultural / Other Credits 279,194 327,258 401,233 452,188 465,557 504,439 502,292 530,226 25% Total 303,934 358,673 432,729 488,201 502,449 543,959 542,844 573,690

Of which: Alternative Compliance 10% for Agrarian Reform 973 5,306 5,664 7,754 8,170 8,667 8,813 16,839 15% for Agricultural / Other Credits 176,708 176,990 227,462 234,278 247,699 262,658 267,294 277,206 25% Total 177,682 182,297 233,126 242,031 255,868 271,324 276,107 294,045

Excess/(Deficiency) 10% for Agrarian Reform (154,738) (183,756) (252,897) (316,895) (325,708) (341,879) (358,662) (369,964) 15% for Agricultural / Other Credits 9,977 4,501 (25,357) (77,173) (78,343) (67,659) (96,529) (89,915) 25% Total (144,761) (179,256) (278,253) (394,067) (404,051) (409,538) (455,192) (459,879)

Compliance Ratio (%)

10% for Agrarian Reform 1.38% 1.46% 1.11% 1.02% 1.02% 1.04% 1.02% 1.05%

15% for Agricultural / Other Credits 15.56% 15.21% 14.11% 12.81% 12.84% 13.22% 12.58% 12.83% 25% Total 16.93% 16.67% 15.22% 13.83% 13.86% 14.26% 13.60% 13.88%

1/ Republic Act No. 10000 Details may not add up to totals due to rounding-off Source: Supervisory Data Center, Financial Supervision Sector

II. 86 Table 5.a SUMMARY REPORT ON COMPLIANCE WITH AGRI-AGRA REFORM CREDIT ACT OF 2009 1/ Universal and Commercial Banks 2013 - 2017 In Million Pesos

2017 SELECTED ACCOUNTS 2013 2014 2015 2016 3.31 6.30 9.30 12.31

Total Loanable Funds Generated 1,568,710 1,933,371 2,671,069 3,315,058 3,410,154 3,578,941 3,683,042 3,869,028

Minimum Requirements 10% for Agrarian Reform 156,871 193,337 267,107 331,506 341,015 357,894 368,304 386,903 15% for Agricultural / Other Credits 235,306 290,006 400,660 497,259 511,523 536,841 552,456 580,354 25% Total 392,177 483,343 667,767 828,765 852,539 894,735 920,761 967,257

Compliance/Utilization 10% for Agrarian Reform 13,899 19,153 21,584 24,554 25,765 28,531 28,486 31,179 15% for Agricultural / Other Credits 251,624 295,427 373,694 422,559 434,637 472,255 467,486 499,401 25% Total 265,523 314,580 395,278 447,113 460,401 500,786 495,972 530,581

Of which: Alternative Compliance 10% for Agrarian Reform 463 5,042 5,190 5,940 6,225 6,560 6,493 14,210 15% for Agricultural / Other Credits 170,682 172,297 223,122 229,679 242,142 256,539 261,938 271,582 25% Total 171,144 177,339 228,312 235,619 248,367 263,099 268,431 285,793

Excess/(Deficiency) 10% for Agrarian Reform (142,972) (174,184) (245,523) (306,952) (315,251) (329,363) (339,819) (355,723) 15% for Agricultural / Other Credits 16,318 5,421 (26,966) (74,700) (76,887) (64,586) (84,970) (80,953) 25% Total (126,654) (168,763) (272,489) (381,652) (392,137) (393,949) (424,789) (436,676)

Compliance Ratio (%) 10% for Agrarian Reform 0.89% 0.99% 0.81% 0.74% 0.76% 0.80% 0.77% 0.81% 15% for Agricultural / Other Credits 16.04% 15.28% 13.99% 12.75% 12.75% 13.20% 12.69% 12.91% 25% Total 16.93% 16.27% 14.80% 13.49% 13.50% 13.99% 13.47% 13.71%

1/ Republic Act No. 10000 Details may not add up to totals due to rounding-off Source: Supervisory Data Center, Financial Supervision Sector

II.87 Table 5.b SUMMARY REPORT ON COMPLIANCE WITH AGRI-AGRA REFORM CREDIT ACT OF 2009 1/ Thrift Banks 2013 - 2017 In Million Pesos

2017 SELECTED ACCOUNTS 2013 2014 2015 2016 3.31 6.30 9.30 12.31

Total Loanable Funds Generated 193,612 167,481 130,959 163,370 166,004 178,810 241,337 198,001

Minimum Requirements 10% for Agrarian Reform 19,361 16,748 13,096 16,337 16,600 17,881 24,134 19,800 15% for Agricultural / Other Credits 29,042 25,122 19,644 24,505 24,901 26,821 36,201 29,700 25% Total 48,403 41,870 32,740 40,842 41,501 44,702 60,334 49,500

Compliance/Utilization 10% for Agrarian Reform 2,880 2,868 2,374 3,131 2,868 3,132 3,196 3,184 15% for Agricultural / Other Credits 13,096 14,432 13,281 15,047 16,136 16,816 16,726 14,035 25% Total 15,976 17,300 15,655 18,178 19,004 19,948 19,921 17,219

Of which: Alternative Compliance 10% for Agrarian Reform 298 14 29 557 579 678 754 1,016 15% for Agricultural / Other Credits 5,852 4,469 4,025 4,170 5,107 5,738 4,963 5,206 25% Total 6,150 4,483 4,053 4,727 5,686 6,416 5,716 6,222

Excess/(Deficiency) 10% for Agrarian Reform (16,482) (13,880) (10,722) (13,206) (13,733) (14,749) (20,938) (16,616) 15% for Agricultural / Other Credits (15,946) (10,690) (6,363) (9,459) (8,765) (10,006) (19,475) (15,665) 25% Total (32,427) (24,570) (17,085) (22,664) (22,497) (24,755) (40,413) (32,281)

Compliance Ratio (%) 10% for Agrarian Reform 1.49% 1.71% 1.81% 1.92% 1.73% 1.75% 1.32% 1.61% 15% for Agricultural / Other Credits 6.76% 8.62% 10.14% 9.21% 9.72% 9.27% 6.93% 7.09% 25% Total 8.25% 10.33% 11.95% 11.13% 11.45% 11.03% 8.25% 8.70%

1/ Republic Act No. 10000 Details may not add up to totals due to rounding-off Source: Supervisory Data Center, Financial Supervision Sector

II. 88 Table 5.c SUMMARY REPORT ON COMPLIANCE WITH AGRI-AGRA REFORM CREDIT ACT OF 2009 1/ Rural and Cooperative Banks 2013 - 2017 In Million Pesos

2017 SELECTED ACCOUNTS 2013 2014 2015 2016 3.31 6.30 9.30 12.31

Total Loanable Funds Generated 32,459 50,861 41,903 50,644 49,843 56,235 67,762 67,245

Minimum Requirements 10% for Agrarian Reform 3,246 5,086 4,190 5,064 4,984 5,624 6,776 6,724.52 15% for Agricultural / Other Credits 4,869 7,629 6,285 7,597 7,477 8,435 10,164 10,087 25% Total 8,115 12,715 10,476 12,661 12,461 14,059 16,941 16,811

Compliance/Utilization 10% for Agrarian Reform 7,962 9,394 7,539 8,327 8,260 7,856 8,870 9,100 15% for Agricultural / Other Credits 14,474 17,399 7,972 14,582 14,785 15,369 18,080 16,789 25% Total 22,436 26,792 15,511 22,910 23,044 23,224 26,951 25,889

Of which: Alternative Compliance 10% for Agrarian Reform 213 250 445 1,257 1,365 1,429 1,566 1,613 15% for Agricultural / Other Credits 175 224 316 429 450 381 394 418 25% Total 388 475 760 1,686 1,816 1,810 1,960 2,031

Excess/(Deficiency) 10% for Agrarian Reform 4,716 4,308 3,349 3,263 3,275 2,232 2,094 2,376 15% for Agricultural / Other Credits 9,605 9,770 1,687 6,985 7,308 6,933 7,916 6,702 25% Total 14,321 14,077 5,036 10,249 10,584 9,166 10,010 9,078

Compliance Ratio (%) 10% for Agrarian Reform 24.53% 18.47% 17.99% 16.44% 16.57% 13.97% 13.09% 13.53% 15% for Agricultural / Other Credits 44.59% 34.21% 34.03% 28.79% 29.66% 27.34% 26.68% 24.97% 25% Total 69.12% 52.68% 52.02% 45.24% 46.23% 41.31% 39.77% 38.50%

1/ Republic Act No. 10000 Details may not add up to totals due to rounding-off Source: Supervisory Data Center, Financial Supervision Sector

II. 89 Table 6 SUMMARY REPORT ON COMPLIANCE WITH MICRO, SMALL AND MEDIUM ENTERPRISES CREDIT (R.A. NO. 6977, AS AMENDED BY R.A. NOS. 8289 AND 9501) The Philippine Banking System 2013 - 2017 In Million Pesos

2017 SELECTED ACCOUNTS 2013 2014 2015 2016 3.31 6.30 9.30 12.31

Total Loan Portfolio (Net of Exclusions) 3,309,653 4,003,526 4,702,652 5,462,190 5,890,597 5,896,267 6,137,582 6,438,258

MICRO, SMALL AND MEDIUM ENTERPRISES CREDIT (8% and 2%) Direct Compliance 385,152 438,609 494,336 503,479 493,391 496,200 504,326 535,941 Alternative Compliance 1,879 1,564 1,443 1,603 1,494 1,568 1,599 1,697 Excess compliance of a bank/s used by another bank/s 0 0 0 0 0 0 0 0 Total Eligible Investment for MSMEs 387,031 440,173 495,779 505,082 494,885 497,767 505,924 537,638 Minimum Amount Required to be Allocated 330,965 400,353 470,265 546,219 589,060 589,627 613,758 643,826 Percent of Compliance (%) 11.69 10.99 10.54 9.25 8.40 8.44 8.24 8.35

MICRO AND SMALL ENTERPRISES (MSEs) CREDIT ( 8% ) Direct Compliance 183,539 194,833 203,561 206,774 194,017 197,813 199,650 212,496 Alternative Compliance 1,547 1,258 1,152 1,218 1,128 1,200 1,221 1,317 Excess compliance of a bank/s used by another bank/s 0 0 0 0 0 0 0 0 Total Eligible Investment for MSEs 185,086 196,091 204,713 207,992 195,145 199,013 200,871 213,813 Minimum Amount Required to be Allocated 264,772 320,282 376,212 436,975 471,248 471,701 491,007 515,061 Percent of Compliance (%) 5.59 4.90 4.35 3.81 3.31 3.38 3.27 3.32

MEDIUM ENTERPRISES (MEs) CREDIT ( 2% ) Direct Compliance 201,612 243,776 290,775 296,705 299,375 298,387 304,675 323,445 Alternative Compliance 332 306 291 385 365 367 378 380 Excess compliance of a bank/s used by another bank/s 0 0 0 0 0 0 0 0 Total Eligible Investment for MEs 201,944 244,082 291,066 297,090 299,740 298,755 305,053 323,825 Minimum Amount Required to be Allocated 66,193 80,071 94,053 109,244 117,812 117,925 122,752 128,765 Percent of Compliance (%) 6.10 6.10 6.19 5.44 5.09 5.07 4.97 5.03

Details may not add up to totals due to rounding-off.

Source: Supervisory Data Center, Financial Supervision Sector

II.90 Table 6.a SUMMARY REPORT ON COMPLIANCE WITH MICRO, SMALL AND MEDIUM ENTERPRISES CREDIT (R.A. NO. 6977, AS AMENDED BY R.A. NOS. 8289 AND 9501) Universal and Commercial Banks 2013 - 2017 In Million Pesos

2017 SELECTED ACCOUNTS 2013 2014 2015 2016 3.31 6.30 9.30 12.31

Total Loan Portfolio (Net of Exclusions) 2,832,477 3,410,648 3,905,018 4,667,820 5,065,480 5,065,926 5,285,614 5,558,991

MICRO, SMALL AND MEDIUM ENTERPRISES CREDIT (8% and 2%) Direct Compliance 284,056 321,559 345,538 379,464 365,814 374,269 381,167 417,513 Alternative Compliance 1,274 912 779 946 817 865 877 887 Excess compliance of a bank/s used by another bank/s 10,637 9,859 8,798 2,822 416 349 439 644 Total Eligible Investment for MSMEs 285,331 322,471 355,115 383,232 367,046 375,484 382,483 419,044 Minimum Amount Required to be Allocated 283,248 341,065 390,502 466,782 506,548 506,593 528,561 555,899 Percent of Compliance (%) 10.45 9.74 9.09 8.21 7.25 7.41 7.24 7.54

MICRO AND SMALL ENTERPRISES (MSEs) CREDIT ( 8% ) Direct Compliance 117,850 123,983 123,006 136,061 123,789 128,680 131,484 146,907 Alternative Compliance 1,142 861 754 856 762 811 819 830 Excess compliance of a bank/s used by another bank/s 10,637 9,859 8,798 3,078 677 627 769 998 Total Eligible Investment for MSEs 129,629 134,703 132,559 139,995 125,229 130,118 133,071 148,735 Minimum Amount Required to be Allocated 226,598 272,852 312,401 373,426 405,238 405,274 422,849 444,719 Percent of Compliance (%) 4.58 3.95 3.39 3.00 2.47 2.57 2.52 2.68

MEDIUM ENTERPRISES (MEs) CREDIT ( 2% ) Direct Compliance 166,207 197,576 222,531 243,403 242,025 245,589 249,683 270,606 Alternative Compliance 132 52 25 90 54 54 58 57 Excess compliance of a bank/s used by another bank/s 0 0 0 (256) (261) (278) (330) (354) Total Eligible Investment for MEs 166,339 197,627 222,556 243,237 241,817 245,365 249,412 270,309 Minimum Amount Required to be Allocated 56,650 68,213 78,100 93,356 101,310 101,319 105,712 111,180 Percent of Compliance (%) 5.87 5.79 5.70 5.21 4.77 4.84 4.72 4.86

Details may not add up to totals due to rounding-off. Source: Supervisory Data Center, Financial Supervision Sector

II.91 Table 6.b SUMMARY REPORT ON COMPLIANCE WITH MICRO, SMALL AND MEDIUM ENTERPRISES CREDIT (R.A. NO. 6977, AS AMENDED BY R.A. NOS. 8289 AND 9501) Thrift Banks 2013 - 2017 In Million Pesos

2017 SELECTED ACCOUNTS 2013 2014 2015 2016 3.31 6.30 9.30 12.31

Total Loan Portfolio (Net of Exclusions) 423,654 491,014 702,944 693,010 723,286 738,124 746,922 772,779

MICRO, SMALL AND MEDIUM ENTERPRISES CREDIT (8% and 2%) Direct Compliance 81,269 82,699 117,204 92,044 94,926 89,680 89,259 84,285 Alternative Compliance 482 435 444 406 412 413 409 474 Excess compliance of a bank/s used by another bank/s (10,637) (9,859) (8,699) (3,078) (677) (627) (769) (998) Total Eligible Investment for MSMEs 81,751 83,134 108,950 89,372 94,661 89,466 88,899 83,761 Minimum Amount Required to be Allocated 42,365 49,101 70,294 69,301 72,329 73,812 74,692 77,278 Percent of Compliance (%) 16.79 14.92 15.50 12.90 13.09 12.12 11.90 10.84

MICRO AND SMALL ENTERPRISES (MSEs) CREDIT ( 8% ) Direct Compliance 51,761 45,647 58,541 48,462 47,773 46,812 44,737 41,993 Alternative Compliance 393 329 340 303 307 307 306 373 Excess compliance of a bank/s used by another bank/s (10,637) (9,859) (8,699) (3,078) (677) (627) (769) (998) Total Eligible Investment for MSEs 41,517 36,117 50,182 45,686 47,403 46,492 44,275 41,368 Minimum Amount Required to be Allocated 33,892 39,281 56,236 55,441 57,863 59,050 59,754 61,822 Percent of Compliance (%) 9.80 7.36 7.14 6.59 6.55 6.30 5.93 5.35

MEDIUM ENTERPRISES (MEs) CREDIT ( 2% ) Direct Compliance 29,508 37,052 58,663 43,582 47,153 42,868 44,521 42,292 Alternative Compliance 89 106 104 103 105 106 103 101 Excess compliance of a bank/s used by another bank/s 0 0 0 (0) 0 0 0 (0) Total Eligible Investment for MEs 29,596 37,158 58,767 43,686 47,259 42,974 44,625 42,392 Minimum Amount Required to be Allocated 8,473 9,820 14,059 13,860 14,466 14,762 14,938 15,456 Percent of Compliance (%) 6.99 7.57 8.36 6.29 6.53 5.82 5.97 5.49

Details may not add up to totals due to rounding-off.

Source: Supervisory Data Center, Financial Supervision Sector

II.92 Table 6.c SUMMARY REPORT ON COMPLIANCE WITH MICRO, SMALL AND MEDIUM ENTERPRISES CREDIT (R.A. NO. 6977, AS AMENDED BY R.A. NOS. 8289 AND 9501) Rural and Cooperative Banks 2013 - 2017 In Million Pesos

2017 SELECTED ACCOUNTS 2013 2014 2015 2016 3.31 6.30 9.30 12.31

Total Loan Portfolio (Net of Exclusions) 53,522 101,864 94,691 101,359 101,831 92,217 105,046 106,489

MICRO, SMALL AND MEDIUM ENTERPRISES CREDIT (8% and 2%) Direct Compliance 19,826 34,351 31,594 31,970 32,652 32,251 33,899 34,143 Alternative Compliance 123 217 219 251 265 289 313 335 Excess compliance of a bank/s used by another bank/s 0 0 (99) 256 261 278 330 354 Total Eligible Investment for MSMEs 19,949 34,568 31,715 32,478 33,178 32,818 34,542 34,833 Minimum Amount Required to be Allocated 5,352 10,186 9,469 10,136 10,183 9,222 10,505 10,649 Percent of Compliance (%) 37.27 33.94 33.49 32.04 32.58 35.59 32.88 32.71

MICRO AND SMALL ENTERPRISES (MSEs) CREDIT ( 8% ) Direct Compliance 13,928 25,203 22,014 22,251 22,455 22,320 23,428 23,596 Alternative Compliance 12 68 57 60 59 83 97 114 Excess compliance of a bank/s used by another bank/s 0 0 (99) 0 0 0 0 0 Total Eligible Investment for MSEs 13,940 25,271 21,972 22,310 22,514 22,403 23,525 23,709 Minimum Amount Required to be Allocated 4,282 8,149 7,575 8,109 8,146 7,377 8,404 8,519 Percent of Compliance (%) 26.04 24.81 23.20 22.01 22.11 24.29 22.40 22.26

MEDIUM ENTERPRISES (MEs) CREDIT ( 2% ) Direct Compliance 5,898 9,148 9,580 9,719 10,197 9,931 10,471 10,548 Alternative Compliance 111 149 162 192 205 207 216 222 Excess compliance of a bank/s used by another bank/s 0 0 0 256 261 278 330 354 Total Eligible Investment for MEs 6,009 9,297 9,743 10,167 10,664 10,415 11,016 11,123 Minimum Amount Required to be Allocated 1,070 2,037 1,894 2,027 2,037 1,844 2,101 2,130 Percent of Compliance (%) 11.23 9.13 10.29 10.03 10.47 11.29 10.49 10.45

Details may not add up to totals due to rounding-off.

Source: Supervisory Data Center, Financial Supervision Sector

II.93 Table 7 PHILIPPINE FOREIGN CURRENCY DEPOSIT SYSTEM BALANCE SHEET The Philippine Banking System 2013 - 2017 In Million US$

2017 BALANCE SHEET ACCOUNTS 2013 2014 2015 2016 3.31 6.30 9.30 12.31

ASSETS 35,378 41,667 44,077 48,201 48,404 48,338 50,666 50,314

Cash on Hand 265 278 265 313 263 298 316 341 Checks and Other Cash Items 18 27 19 22 21 30 49 25 Due from Bangko Sentral ng Pilipinas 0 0 0 0 0 20 20 20 Due from Other Banks 3,867 5,523 4,944 6,596 6,056 5,569 5,924 6,566 Financial Assets Held for Trading (HFT) 1,306 3,183 2,024 1,541 1,804 1,740 1,945 1,318 Financial Assets Designated at Fair Value through Profit or Loss 28 29 6 1 1 1 2 1 Available-for-Sale (AFS) Financial Assets - Net 11,831 9,230 10,273 7,556 7,168 6,834 7,355 7,541 Held-to-Maturity (HTM) Financial Assets - Net 2,710 5,381 9,457 12,211 13,479 13,865 13,803 13,035 Unquoted Debt Securities Classified as Loans - Net 804 648 500 976 685 614 548 607 Loan Portfolio - Net 13,511 16,530 15,852 18,312 18,472 18,671 20,058 19,946 Derivatives with Positive Fair Value Held for Hedging 00000000 Accrued Interest Income from Financial Assets - Net 295 315 364 354 298 381 326 381 Real and Other Properties Acquired - Net 0 0 0 0 0 0 0 3 Non-Current Assets Held for Sale 00000000 Deferred Tax Asset 00000000 Other Assets - Net 744 524 371 317 157 314 320 530

LIABILITIES AND CAPITAL 35,378 41,667 44,077 48,201 48,404 48,338 50,666 50,314

Liabilities 34,754 40,548 43,432 47,525 48,210 47,919 50,019 49,619

Financial Liabilities Held for Trading 98 227 131 132 78 96 84 121 Financial Liabilities Designated at Fair Value through Profit or Loss 00000000 Deposit Liabilities 25,910 31,791 32,446 35,872 37,336 37,237 39,055 39,205 Due to Other Banks 813 819 727 688 617 551 667 529 Bills Payable 4,538 4,691 6,861 7,375 7,189 7,263 6,527 6,374 Bonds Payable - Net 1,422 1,423 2,034 2,035 1,460 1,460 2,160 2,160 Unsecured Subordinated Debt - Net 00000000 Derivatives with Negative Fair Value Held for Hedging 32101000 Accrued Interest Expense on Financial Liabilities 78 93 94 107 87 93 101 112 Due to Treasurer of the Philippines 11111111 Payment Orders Payable 13 20 16 36 23 28 29 27 Due to Bangko Sentral ng Pilipinas 00001000 Due to Philippine Deposit Insurance Corporation 2 3 3 3 1 3 1 3 Income Tax Payable 32344334 Other Taxes and Licenses Payable 00000000 Accrued Expenses 34323223 Unearned Income 15 10 6 5 6 6 6 7 Deferred Tax Liabilities 00000000 Other Liabilities 187 338 117 182 189 233 466 203 Due to Head Office/Branches/Agencies - Net * 1,006 1,164 830 829 827 689 828 810 Due to FCDU/RBU - Net ** 661 (38) 161 255 387 252 88 60

Capital Accounts 625 1,119 645 676 195 420 647 695

Other Equity Instruments 351 351 123 0 0 0 0 0 Retained Earnings 72 79 112 110 26 26 21 112 Undivided Profits 624 612 483 674 209 387 579 579 Other Comprehensive Income (422) 77 (74) (108) (40) 7 47 4

* / Net of Due from Head Office/Branches/Agencies (Philippine branch of a foreign banks)

** / Net of Due from FCDU/RBU

Details may not add up to totals due to rounding-off Source: Supervisory Data Center, Financial Supervision Sector

II.94 Table 7.a PHILIPPINE FOREIGN CURRENCY DEPOSIT SYSTEM BALANCE SHEET Universal and Commercial Banks 2013 - 2017 In Million US$

2017 BALANCE SHEET ACCOUNTS 2013 2014 2015 2016 3.31 6.30 9.30 12.31

ASSETS 34,339 40,603 42,787 46,883 47,089 47,098 49,431 49,044

Cash on Hand 253 267 254 299 246 286 304 329 Checks and Other Cash Items 16 25 18 21 20 29 48 24 Due from Bangko Sentral ng Pilipinas 0 0 0 0 0 20 20 20 Due from Other Banks 3,373 5,098 4,575 6,327 5,764 5,356 5,683 6,273 Financial Assets Held for Trading (HFT) 1,236 3,160 1,912 1,434 1,729 1,689 1,926 1,314 Financial Assets Designated at Fair Value through Profit or Loss 28 27 6 1 1 1 2 1 Available-for-Sale (AFS) Financial Assets - Net 11,545 8,950 9,939 7,246 6,840 6,501 6,985 7,186 Held-to-Maturity (HTM) Financial Assets - Net 2,633 5,188 9,072 11,686 12,940 13,326 13,255 12,497 Unquoted Debt Securities Classified as Loans - Net 804 648 500 976 685 614 548 607 Loan Portfolio - Net 13,427 16,417 15,798 18,252 18,419 18,599 20,026 19,896 Derivatives with Positive Fair Value Held for Hedging 00000000 Accrued Interest Income from Financial Assets - Net 286 305 351 339 288 366 315 366 Real and Other Properties Acquired - Net 0 0 0 0 0 0 0 3 Non-Current Assets Held for Sale 0 0 0 00000 Deferred Tax Asset 0 0 0 00000 Other Assets - Net 737 518 363 300 155 312 319 529

LIABILITIES AND CAPITAL 34,339 40,603 42,787 46,883 47,089 47,098 49,431 49,044

Liabilities 33,712 39,490 42,149 46,221 46,896 46,689 48,796 48,363

Financial Liabilities Held for Trading 98 227 131 132 78 96 84 121 Financial Liabilities Designated at Fair Value through Profit or Loss 0 0 0 00000 Deposit Liabilities 24,912 30,780 31,288 34,714 36,157 36,111 37,982 37,999 Due to Other Banks 813 819 727 688 617 551 667 529 Bills Payable 4,534 4,673 6,760 7,248 7,085 7,192 6,408 6,344 Bonds Payable - Net 1,422 1,423 2,034 2,035 1,460 1,460 2,160 2,160 Unsecured Subordinated Debt - Net 0 0 0 00000 Derivatives with Negative Fair Value Held for Hedging 31100000 Accrued Interest Expense on Financial Liabilities 77 92 92 105 85 91 99 110 Due to Treasurer of the Philippines 1 1 1 11111 Payment Orders Payable 13 20 16 35 23 28 29 27 Due to Bangko Sentral ng Pilipinas 0 0 0 01000 Due to Philippine Deposit Insurance Corporation 2 3 3 3 1 3 1 3 Income Tax Payable 3 2 3 44234 Other Taxes and Licenses Payable 0 0 0 00000 Accrued Expenses 2 3 2 12212 Unearned Income 15 10 6 5 6 6 6 7 Deferred Tax Liabilities 0 0 0 00000 Other Liabilities 172 327 108 178 173 217 450 197 Due to Head Office/Branches/Agencies - Net * 1,006 1,164 830 829 827 689 828 810 Due to FCDU/RBU - Net ** 638 (54) 148 243 374 239 75 48

Capital Accounts 627 1,113 638 662 193 409 635 681

Other Equity Instruments 351 351 123 0 0 0 0 0 Retained Earnings 68 77 109 105 17 17 17 109 Undivided Profits 612 605 475 649 206 379 565 561 Other Comprehensive Income (404) 79 (68) (93) (30) 14 53 11

* / Net of Due from Head Office/Branches/Agencies (Philippine branch of a foreign banks)

** / Net of Due from FCDU/RBU

Details may not add up to totals due to rounding-off Source: Supervisory Data Center, Financial Supervision Sector

II.95 Table 7.b PHILIPPINE FOREIGN CURRENCY DEPOSIT SYSTEM BALANCE SHEET Thrift Banks 2013 - 2017 In Million US$

2017 BALANCE SHEET ACCOUNTS 2013 2014 2015 2016 3.31 6.30 9.30 12.31

ASSETS 1,039 1,062 1,287 1,315 1,313 1,237 1,232 1,267

Cash on Hand 12 11 11 14 17 12 12 12 Checks and Other Cash Items 11111111 Due from Bangko Sentral ng Pilipinas 00000000 Due from Other Banks 494 424 367 267 289 211 239 291 Financial Assets Held for Trading (HFT) 70 22 113 107 75 51 19 4 Financial Assets Designated at Fair Value through Profit or Loss 0 2 0 0 0 0 0 0 Available-for-Sale (AFS) Financial Assets - Net 286 280 334 310 328 333 370 355 Held-to-Maturity (HTM) Financial Assets - Net 77 192 385 524 539 539 548 538 Unquoted Debt Securities Classified as Loans - Net 0 0 0 0 0 0 0 0 Loan Portfolio - Net 84 113 54 60 53 73 32 50 Derivatives with Positive Fair Value Held for Hedging 00000000 Accrued Interest Income from Financial Assets - Net 9 10 13 15 10 15 11 15 Real and Other Properties Acquired - Net 0 0 0 0 0 0 0 0 Non-Current Assets Held for Sale 00000000 Deferred Tax Asset 00000000 Other Assets - Net 7 6 917 1 2 1 1

LIABILITIES AND CAPITAL 1,039 1,062 1,287 1,315 1,313 1,237 1,232 1,267

Liabilities 1,041 1,056 1,281 1,301 1,311 1,227 1,220 1,253

Financial Liabilities Held for Trading 00000000 Financial Liabilities Designated at Fair Value through Profit or Loss 00000000 Deposit Liabilities 997 1,009 1,156 1,155 1,176 1,123 1,070 1,203 Due to Other Banks 00000000 Bills Payable 3 18 100 128 103 71 119 30 Bonds Payable - Net 00000000 Unsecured Subordinated Debt - Net 00000000 Derivatives with Negative Fair Value Held for Hedging 00000000 Accrued Interest Expense on Financial Liabilities 1 1 2 2 2 1 1 2 Due to Treasurer of the Philippines 00000000 Payment Orders Payable 00000000 Due to Bangko Sentral ng Pilipinas 00000000 Due to Philippine Deposit Insurance Corporation 0 0 0 0 0 0 0 0 Income Tax Payable 00000000 Other Taxes and Licenses Payable 00000000 Accrued Expenses 11111111 Unearned Income 00000000 Deferred Tax Liabilities 00000000 Other Liabilities 14 10 9 3 16 16 16 6 Due to Head Office/Branches/Agencies - Net * 0 0 0 0 0 0 0 0 Due to FCDU/RBU - Net ** 23 16 13 12 13 14 13 12

Capital Accounts (2) 6 6 14 2 10 12 13

Other Equity Instruments 00000000 Retained Earnings 42359943 Undivided Profits 12 7 8 25 3 8 13 18 Other Comprehensive Income (18) (3) (5) (15) (10) (7) (5) (7)

* / Net of Due from Head Office/Branches/Agencies (Philippine branch of a foreign banks)

** / Net of Due from FCDU/RBU

Details may not add up to totals due to rounding-off Source: Supervisory Data Center, Financial Supervision Sector

II.96 Table 8 TRUST AND FUND MANAGEMENT OPERATIONS Philippine Banking System 2015 - 2017 In Million Pesos

2017 Accounts 2015 2016 3.31 6.30 9.30 12.31 TOTAL ASSETS 2,557,302 2,843,011 2,317,846 2,385,987 2,412,644 2,541,904 Cash and Due from Banks 383,569 286,985 178,170 2,032 2,038 1,993 Cash on Hand, Checks and Other Cash Items 40 1 0 2 4 0 Due from BSP 383,529 286,984 178,169 2,030 2,034 1,993 Deposits in Banks 532,601 724,215 668,073 797,690 770,091 789,469 Financial Assets, gross (net of amortization) 1,313,714 1,465,155 1,105,851 1,170,460 1,219,972 1,246,963 Accumulated Market Gains/Losses 75,097 53,065 24,047 30,426 33,565 26,045 Allowance for Credit Losses 572 650 652 645 645 730 Financial Assets, net 1,388,239 1,517,571 1,129,246 1,200,240 1,252,892 1,272,277 Loans, gross 47,141 46,432 43,558 45,393 45,061 43,429 Allowance for probable losses 1,391 1,416 1,287 1,575 1,538 1,527 Loans, net 45,750 45,016 42,271 43,818 43,523 41,903 Equity Investments, gross 87,919 81,535 78,902 78,987 78,672 78,622 Allowance for probable losses 2,517 2,756 2,477 2,361 2,361 2,391 Accumulated Market Gain/(Loss) 0 0 0 0 0 0 Equity Investments, net 85,403 78,779 76,425 76,625 76,311 76,230 Real and Other Properties Acquired, net 148 92 83 80 77 76 Other assets 121,593 190,353 223,578 265,503 267,712 359,956 TOTAL ACCOUNTABILITIES 2,557,302 2,843,011 2,317,846 2,385,987 2,412,644 2,541,904 Trust 1,544,583 1,701,614 1,330,518 1,304,610 1,259,077 1,176,488 UITF 670,890 825,129 637,374 623,749 625,940 576,987 Employee Benefit 308,223 316,017 234,194 239,924 245,614 250,965 Pre-Need 110,460 110,360 75,891 76,304 77,644 78,370 Others-Institutional Accounts 45,273 36,541 34,967 35,057 34,047 34,826 Personal Trust 391,056 393,327 329,989 310,579 258,569 220,395 Personal Pension Fund 0 0 0 0 0 0 Personal Retirement Fund 218 105 106 105 106 105 Others-Individual Accounts 18,463 20,134 17,998 18,893 17,157 14,841 Agency 699,578 778,727 610,202 662,445 729,132 841,237 Employee Benefit 46,727 47,872 33,680 34,639 35,671 32,161 Pre-Need 815 811 823 830 783 789 Others-Institutional Agency Accounts 429,694 484,124 346,830 372,707 376,740 410,949 Personal Pension Fund 0 0 0 0 0 0 Personal Retirement Fund 2 2 2 2 2 2 Others-Individual Agency Accounts 222,340 245,918 228,868 254,267 315,937 397,336 Other Fiduciary Services 309,717 361,267 376,324 418,131 423,933 523,681 UITF 11,716 16,001 0 0 0 0 Others 298,001 345,266 376,324 418,131 423,933 523,681 Advisory/Consultancy 0 0 0 0 0 0 Special Purpose Trust 3,424 1,402 801 802 502 498

Details may not add up to totals due to rounding-off Source: Supervisory Data Center, Financial Supervision Sector

II. 97 Table 8 TRUST AND FUND MANAGEMENT OPERATIONS Universal and Commercial Banks 2015 - 2017 In Million Pesos

2017 Accounts 2015 2016 3.31 6.30 9.30 12.31 TOTAL ASSETS 2,519,615 2,803,744 2,277,737 2,385,987 2,368,761 2,496,457 Cash and Due from Banks 378,172 284,396 176,746 2,032 2,034 1,993 Cash on Hand, Checks and Other Cash Items 39 0 0 2 0 0 Due from BSP 378,133 284,396 176,746 2,030 2,034 1,993 Deposits in Banks 526,475 715,600 658,568 797,690 760,765 780,357 Financial Assets, gross (net of amortization) 1,293,094 1,441,358 1,081,251 1,170,460 1,191,274 1,216,315 Accumulated Market Gains/Losses 74,506 52,737 23,597 30,426 32,848 25,548 Allowance for Credit Losses 573 650 652 645 645 730 Financial Assets, net 1,367,028 1,493,445 1,104,196 1,200,240 1,223,477 1,241,134 Loans, gross 44,787 43,285 40,279 45,393 40,419 38,807 Allowance for probable losses 1,355 1,373 1,243 1,575 1,420 1,409 Loans, net 43,431 41,912 39,037 43,818 38,999 37,399 Equity Investments, gross 87,646 81,261 78,628 78,987 78,598 78,548 Allowance for probable losses 2,517 2,756 2,477 2,361 2,361 2,391 Accumulated Market Gain/(Loss) 0 0 00 0 0 Equity Investments, net 85,129 78,505 76,151 76,625 76,237 76,157 Real and Other Properties Acquired, net 148 92 83 80 77 76 Other assets 119,233 189,794 222,956 265,503 267,172 359,341 TOTAL ACCOUNTABILITIES 2,519,615 2,803,744 2,277,737 2,385,987 2,368,761 2,496,457 Trust 1,531,449 1,690,786 1,319,190 1,304,610 1,248,361 1,166,814 UITF 663,489 820,136 632,093 623,749 620,859 572,213 Employee Benefit 305,448 313,313 231,397 239,924 242,736 247,814 Pre-Need 109,869 109,645 75,085 76,304 76,985 77,619 Others-Institutional Accounts 45,273 36,541 34,967 35,057 34,047 34,826 Personal Trust 388,689 390,911 327,544 310,579 256,471 219,396 Personal Pension Fund 0 0 00 0 0 Personal Retirement Fund 218 105 106 105 106 105 Others-Individual Accounts 18,463 20,134 17,997 18,893 17,157 14,841 Agency 675,578 750,727 581,850 662,445 696,297 805,890 Employee Benefit 46,657 47,803 33,612 34,639 35,604 32,095 Pre-Need 815 811 823 830 783 789 Others-Institutional Agency Accounts 424,262 478,058 340,781 372,707 370,001 403,965 Personal Pension Fund 0 0 00 0 0 Personal Retirement Fund 2 2 2 2 2 2 Others-Individual Agency Accounts 203,842 224,054 206,632 254,267 289,907 369,039 Other Fiduciary Services 309,164 360,828 375,896 418,131 423,601 523,254 UITF 11,716 16,001 - 0 0 0 Others 297,448 344,827 375,896 418,131 423,601 523,254 Advisory/Consultancy 0 0 00 0 0 Special Purpose Trust 3,424 1,402 801 802 502 498

Details may not add up to totals due to rounding-off Source: Supervisory Data Center, Financial Supervision Sector

II.98 Table 8 TRUST AND FUND MANAGEMENT OPERATIONS Thrift Banks 2015 - 2017 In Million Pesos

2017 Accounts 2015 2016 3.31 6.30 9.30 12.31 TOTAL ASSETS 37,687 39,267 40,108 42,830 43,884 45,448 Cash and Due from Banks 5,397 2,589 1,424 2 4 0 Cash on Hand, Checks and Other Cash Items 1 1 0 2 4 0 Due from BSP 5,396 2,588 1,423 0 0 0 Deposits in Banks 6,126 8,615 9,504 10,196 9,326 9,112 Financial Assets, gross (net of amortization) 20,620 23,797 24,600 26,625 28,698 30,647 Accumulated Market Gains/Losses 591 329 449 567 717 496 Allowance for Credit Losses -1 (1) -1 (1) - 0 Financial Assets, net 21,211 24,127 25,050 27,193 29,416 31,143 Loans, gross 2,354 3,147 3,279 4,628 4,642 4,622 Allowance for probable losses 35 43 45 118 118 118 Loans, net 2,319 3,103 3,234 4,510 4,524 4,504 Equity Investments, gross 274 274 274 274 74 74 Allowance for probable losses 0 0 0 0 0 0 Accumulated Market Gain/(Loss) 0 0 0 0 0 0 Equity Investments, net 274 274 274 274 74 74 Real and Other Properties Acquired, net 0 0 0 0 0 0 Other assets 2,360 559 622 655 540 614 TOTAL ACCOUNTABILITIES 37,687 39,267 40,108 42,830 43,884 45,448 Trust 13,135 10,828 11,329 11,099 10,716 9,674 UITF 7,401 4,993 5,282 5,265 5,082 4,774 Employee Benefit 2,775 2,704 2,797 2,882 2,878 3,151 Pre-Need 591 715 806 784 658 751 Others-Institutional Accounts 0 0 0 0 0 0 Personal Trust 2,367 2,416 2,445 2,168 2,097 998 Personal Pension Fund 0 0 0 0 0 0 Personal Retirement Fund 0 0 0 0 0 0 Others-Individual Accounts 0 0 0 0 0 0 Agency 24,000 28,000 28,352 31,149 32,836 35,347 Employee Benefit 70 69 68 62 67 66 Pre-Need 0 0 0 0 0 0 Others-Institutional Agency Accounts 5,432 6,066 6,049 6,637 6,739 6,983 Personal Pension Fund 0 0 0 0 0 0 Personal Retirement Fund 0 0 0 0 0 0 Others-Individual Agency Accounts 18,498 21,865 22,236 24,450 26,030 28,297 Other Fiduciary Services 553 439 427 582 332 427 UITF 0 0 0 0 0 0 Others 553 439 427 582 332 427 Advisory/Consultancy 0 0 0 0 0 0 Special Purpose Trust 0 0 0 0 0 0

Details may not add up to totals due to rounding-off Source: Supervisory Data Center, Financial Supervision Sector

II. 99

Part III

Directory of the Philippine Banking System

Table 1 DIRECTORY OF HEAD OFFICES OF THE PHILIPPINE BANKING SYSTEM As of December 31, 2017

Name of Bank Address

I.a Universal and Commercial Banks 1.a.1 Universal Banks Private Domestic Banks 1 . Asia United Bank Corporation Joy~Nostalg Center, 17 ADB Avenue, Ortigas Center, Pasig City 1605 2 . BDO Unibank, Inc. BDO Corporate Center, 7899 Makati Avenue, Makati City 3 . Bank of the Philippine Islands BPI Bldg., Ayala Avenue cor. Paseo de Roxas, Makati City 0720 4 . China Banking Corporation 8745 Paseo de Roxas cor. Villar Street, Makati City 1226 5 . East West Banking Corporation The Beaufort, 5th Avenue Corner 23rd Street, Fort Bonifacio Global City, Taguig City 6 . Metropolitan Bank and Trust Company Metrobank Plaza, Sen. Gil J. Puyat Avenue, Urdaneta Village, Makati City 1200 7 . Philippine National Bank PNB Financial Center, Pres. Diosdado Macapagal Blvd., Pasay City 1300 8 . Philippine Trust Company 1000 Philtrust Bank Building, United Nations Avenue corner San Marcelino St., Manila 1007 9 . Rizal Commercial Banking Corporation 46th Floor, Yuchengco Tower, RCBC Plaza, 6819 Ayala Ave., Makati City 0727ð 10 . Security Bank Corporation Security Bank Centre, 6776 Ayala Avenue, Makati City 0719 11 . Union Bank of the Philippines Union Bank Plaza, Meralco Avenue cor. Onyx & Sapphire Roads, Pasig City 1605 12 . United Coconut Planters Bank UCPB Corporate Offices, 7907 Makati Avenue, Makati City 0728

Foreign Bank Branches 1 . Australia and New Zealand Banking Group, Ltd. 9/F Metrobank Card Corp. Center, 6778 Ayala Avenue, Makati City 2 . Deutsche Bank AG 26 / F Ayala Tower One, Ayala Triangle, Makati City 1226 3 . ING Bank N.V. 20th Floor Tower One, Ayala Triangle, Ayala Avenue, Makati City 1226 4 . Mizuho Bank, Ltd. - Manila Branch 25th Floor, The Zuellig Building, Makati Avenue corner Paseo de Roxas, 1225 Makati City 5 . Standard Chartered Bank The Sky Plaza Bldg., 6788 Ayala Ave., Makati City 1226 6 . The Hongkong & Shanghai Banking Corporation HSBC Centre, 3058 Fifth Avenue West, Bonifacio Global City, Taguig City 1634

Government Banks 1 . Al-Amanah Islamic Investment Bank of the Philippines PHIDCO A. Building Veterans Avenue, Zamboanga City (Executive Office: 4th Floor Development Bank of the Philippines Sen. Gil J. Puyat Avenue corner Makati Avenue Makati City 1200) 2 . Development Bank of the Philippines Sen. Gil. J. Puyat Avenue corner Makati Avenue Makati City 3 . Land Bank of the Philippines LandBank Plaza Bldg., 1598 M. H. Del Pilar cor. Dr. J. Quintos Sts., Malate, Manila 1004

1.a.2 Commercial Banks

Private Domestic Banks 1 . Bank of Commerce San Miguel Properties Centre (SMPC), No. 7 Saint Francis Street, Mandaluyong City 1550 2 . BDO Private Bank, Inc. BDO Private Bank 2/F BDO Equitable Tower 8751 Paseo De Roxas Makati City 3 . Philippine Bank of Communications PBCom Tower, 6795 Ayala Avenue corner V.A. Rufino St., Makati City 1226 4 . Philippine Veterans Bank PVB Bldg. 101 V. A. Rufino cor. Dela Rosa Sts., Legaspi Village, Makati City 1229 5 . Robinsons Bank Corporation 29/F Galleria Corporate Center, EDSA cor. Ortigas Avenue, 1110 Quezon City

Foreign Bank Subsidiaries 1 . CTBC Bank (Philippines) Corporation 16th to 19th Floors, Fort Legend Towers, 31st Street cor. 3rd Ave., Bonifacio Global City, Taguig City 2 . Maybank Philippines, Inc. Maybank Corporate Centre 7th Avenue Corner 28th Street, Bonifacio High Street Central, Bonifacio Global City, Taguig City 1634 Metro Manila

Foreign Bank Branches

1 . Bangkok Bank Public Co. Ltd. 10th Floor, Tower 2, The Enterprise Center, 6766 Ayala Avenue, Makati City 1200 2 . Bank of America, N.A. 27/F Philamlife Tower, 8767 Paseo de Roxas, Makati City 1226 3 . Bank of China Limited-Manila Branch 36/F Philamlife Tower, 8767 Paseo de Roxas, Makati City 1226 4 . Cathay United Bank Co., Ltd. - Manila Branch Unit 1, 15th Floor, Tower 6789, 6789 Ayala Avenue, 1226 Makati City 5 . Citibank, N.A. 9F Citibank Tower, 8741 Paseo de Roxas St., Makati City 1226 6 . First Commercial Bank, Ltd., Manila Branch 20th Floor, Tower 6789 Ayala Avenue, Makati City 1223 7 . Hua Nan Commercial Bank, Ltd. - Manila Branch Unit 2 and 3, 26th Floor, Tower 6789, 6789 Ayala Avenue, 1223 Makati City 8 . Industrial Bank of Korea Manila Branch 8th Floor, Unit 801-802 One World Place Building, 32nd Street, Bonifacio Global City, Taguig City Philippines 1630 9 . JP Morgan Chase Bank, N.A. 30/F Zuellig Building, Makati Avenue corner Paseo de Roxas, Makati City 1225 10 . KEB Hana Bank - Manila Branch 21st Floor, Zuellig Building, Makati Avenue corner Paseo de Roxas Street, Makati City 11 . Mega International Commercial Bank Co., Ltd. 3 / F Pacific Star Bldg., Sen. Gil Puyat Ave., Makati City 12 . Shinhan Bank - Manila Branch 21st Floor, Units 1 and 2 RCBC Savings Bank Corporate Center, 25th and 26th Streets, Bonifacio Global City, Taguig City 13 . Sumitomo Mitsui Banking Corporation - Manila Branch 21st Floor, Tower One & Exchange Plaza, Ayala Triangle, Ayala Avenue, Makati City

14 . The Bank of Tokyo-Mitsubishi UFJ, Ltd. 15 / F Makati Sky Plaza Building 6788 Ayala Avenue, Makati City 1226 15 United Overseas Bank Limited, Manila Branch 17TH Floor, Pacific Star Building, Sen. Gil Puyat Avenue Cor. Makati Avenue, Makati City 1200

Source: Supervisory Data Center, Financial Supervision Sector

III. 1 1.b Thrift Banks

Name of Bank Address

1 . 1st Valley Bank, Inc. A Development Bank Vamenta Blvd., corner Lirio St., Carmen, 9000 Cagayan de Oro City 2 . Bangko Kabayan, Inc. (A Private Development Bank) Santiago St., Poblacion, Ibaan, Batangas 3 . Bank of Makati (A Savings Bank), Inc. Ayala Avenue corner Metropolitan Avenue, Makati City 4 . Bank One Savings and Trust Corporation 4201 R. Magsaysay Blvd., Sta. Mesa, Manila 1016 5 . Bataan Development Bank Aguirre St., Balanga. 2100 Bataan 6 . BPI Direct BanKO, Inc., A Savings Bank 220 Ortigas Avenue, BanKO center North Greenhills, San Juan City 1503 7 . BPI Family Savings Bank, Inc. 109 BPI Family Savings Bank Centre, Paseo de Roxas cor. dela Rosa Streets Makati City 1200 8 . Business and Consumers Bank (A Development Bank) BCB Building, Simon Ledesma St., Jaro, Iloilo City 9 . Card SME Bank, Inc. A Thrift Bank 120 M. Paulino St. Corner Burgos st., San Pablo City, Laguna 10 . Century Savings Bank Corporation 232 Shaw Blvd. cor. Oranbo Drive, 1601 Pasig City 11 . China Bank Savings, Inc. VGP Center Bldg., 6772 Ayala Avenue, 1226 Makati City 12 . City Savings Bank, Inc. City Savings Bank Financial Plaza cor. Osmena Boulevard. and P. Burgos St. 6000 Cebu City 13 . Citystate Savings Bank, Inc. Citystate Center Building, 709 Shaw Blvd., Oranbo, Pasig City 1600 14 . Cordillera Savings Bank, Inc. Dumlao Blvd., Bayombong, 3700 Nueva Vizcaya 15 . Dumaguete City Development Bank, Inc. Dr. Vicente Locsin cor. Cervantes Sts., Dumaguete City 16 . Enterprise Bank, Inc. (A Thrift Bank) National Highway, Poblacion, Lianga, Surigao Del Sur 8307 17 . Equicom Savings Bank, Inc. 6th Floor ODC International Plaza Building, 219 Salcedo Street, Legaspi Village Makati City 18 . Farmers Savings and Loan Bank, Inc. McArthur Highway, Wakas, Bocaue, Bulacan 19 . First Consolidated Bank, Inc. (A Private Development Bank) No. 0982 C.P. Garcia North Avenue, Taloto, Tagbilaran City 20 . Hiyas Banking Corporation Gov. Fortunato F. Halili Ave., Bagbaguin, Sta. Maria, Bulacan 21 . HSBC Savings Bank (Phils), Inc. G / F Peninsula Court, 8735 Paseo de Roxas cor. Makati Ave., Makati City 22 . Inter-Asia Development Bank J.P. Rizal Avenue corner Mahogany Market Street , 4120 Tagaytay City 23 . ISLA Bank (A Thrift Bank), Inc. G/F & 2/F Glass Tower, 115 C. Palanca, Jr. St., Legaspi Village 1229 Makati City 24 . Legazpi Savings Bank, Inc. Rizal Street, Sagpon, Albay District, Legazpi City 25 . Lemery Savings and Loan Bank, Inc. 105 Ilustre Avenue, Lemery, Batangas 26 . Life Savings Bank, Inc. Units 13-14 Marieta Arcade, Marcos Highway corner A. Tuazon, Cainta, Rizal 27 . Luzon Development Bank Mezzanine Floor, Checkpoint Mall, Paciano Rizal, Calamba City, Laguna 28 . Malasiqui Progressive Savings and Loan Bank, Inc. Quezon Blvd. Extension, Malasiqui, 2421 Pangasinan 29 . Malayan Bank Savings and Mortgage Bank, Inc. Majalco Bldg., cor. Benavidez & Trasierra Sts., Legaspi Village, Makati City 1229 30 . Maritime Savings Bank Corporation Gen. E. Aguinaldo Highway, Bacoor, 4102 Cavite 31 . Merchants Savings and Loan Association, Inc. EDES 2 Building, J.P. Laurel Avenue (Acacia Section) corner Villa Abrille Street Davao City 32 . Metro-Cebu Public Savings Bank 2/F Sia Bldg., N. Bacalso Avenue, Barangay Duljo Fatima, Cebu City 6000 33 . Maximum Savings Bank, Inc. No. 54 Oppax Bldg., Barangay Sabang, Puerto Galera, 5203 Oriental Mindoro 34 . Northpoint Development Bank, Inc. 3rd Floor & 4th Floor S.P. Junction Bldg., National Highway Corner A. Mabini St. Brgy. Nueva, San Pedro City, Laguna 35 . AllBank (A Thrift Bank), Inc. Polar Center EDSA, EDSA Cor. Cornell St., Brgy. Wack Wack, Mandaluyong City 36 . Pacific Ace Savings Bank, Inc. Retail I Time Square Complex, Subic Bay Freeport Zone, Olongapo City 37 . Pampanga Development Bank McArthur Highway, Dolores, San Fernando City, 2000 Pampanga 38 . Penbank, Inc. (A Private Development Bank) 3/F Penbank Centre, RDRDC Building, Santiago Blvd., Gen. Santos City South Cotabato 9500 39 . Phil Star Development Bank, Inc. Alpha Hotel, Tolentino Road, Kumintang Ibaba, Batangas City 40 . Philippine Business Bank, Inc., A Savings Bank 350 Rizal Ave. Ext. cor. 8th Ave., Grace Park, 1403 Caloocan City 41 . Philippine Postal Savings Bank, Inc. PostalBank Centre, Liwasang Bonifacio, Manila 1000 42 . Philippine Resources Savings Banking Corporation (PR Savings Bank) Alingog Center, Rizal cor Canciller Ave., Cauayan City, Isabela 43 . Philippine Savings Bank PSBank Center, 777 Paseo de Roxas cor. Sedeno St., Makati City 44 . PNB Savings Bank 11/F Allied Bank Center, 6754 Ayala Ave., Makati City 45 . Producers Savings Bank Corporation 17F AIC Burgundy Empire Tower, ADB Avenue corner Sapphire Street Ortigas Center, 1605 Pasig City 46 . Queen City Development Bank, Inc. or Queenbank, A Thrift Bank Queenbank Financial Center, Sky City Tower, Mapa St., Iloilo City 5000 47 . Quezon Coconut Bank, Inc. (A Thrift Bank) Cor. Gov. Guinto & Enriquez Sts., Brgy. IX, Lucena City 4301, Quezon 48 . RCBC Savings Bank, Inc. RCBC Savings Bank Corporate Center, 26th and 25th Streets, Bonifacio Global City, Taguig City 1634 49 . Sterling Bank of Asia, Inc. (A Savings Bank) Sterling Bank Corporate Center, Greenhills, San Juan City 50 . Sun Savings Bank, Inc. Ground Floor, Jesever Building, Fuente Osmeña Circle, Osmeña Boulevard, Cebu City 51 . The Palawan Bank (Palawan Development Bank), Inc. Golraz Bldg., Malvar St., Brgy. San Miguel, Puerto Princesa City, Palawan 5300 52 . UCPB Savings Bank 18/F UCPB Bldg., Makati Avenue, Makati City 0728 53 . University Savings Bank, Inc. 1497 Dapitan cor. Alfredo St., Sampaloc, Manila 54 . Wealth Development Bank Corporation Taft Financial Center, Cardinal Rosales Ave., Cebu Business Park, Cebu City 6000 55 . Yuanta Savings Bank Philippines, Inc. G/F Chatham House Condominium, 116 Valero cor. V.A. Rufino Sts. , Salcedo Village 1227 Makati City

Source: Supervisory Data Center, Financial Supervision Sector

III. 2 1.c Rural and Cooperative Banks

Name of Bank Address

NATIONAL CAPITAL REGION

1 . Ama Rural Bank of Mandaluyong, Inc. 311 Shaw Blvd., Mandaluyong City 2 . Baclaran Rural Bank, Inc. 83 Redemptorist Rd., Baclaran, Parañaque City 3 . Banco Alabang, Inc. (A Rural Bank) Ground Floor, Minerva Building, National Road, Putatan, 4 . Bangko Pasig (Rural Bank) MuntinlupaUnit 510 Prestige Tower Office Condominium Bldg., F. Ortigas Jr. Road, Brgy. San Antonio, Ortigas Center, Pasig City 5 . Country Builders Bank, Inc. (A Rural Bank) 6 Gen. Luna St., Tuktukan, Taguig, Metro Manila 6 . Enterprise Capital Bank, Inc. (Taguig Rural Bank) Amber Place, 67 Bayani Road, Fort Bonifacio, 1630 Taguig City, Metro Manila 7 . Insular Savers Bank, Inc. (A Rural Bank) Net Plaza, 31st Street, Bonifacio Global City, 1634 Taguig City 8 . Metro South Cooperative Bank IDC Centre, Zapote Street Corner Kalayaan Ave., Brgy. Sta. Cruz, 1205 Makati City 9 . Mvsm Bank (A Rural Bank Since 1953) Inc. 341 J. P. Rizal St., Sto. Niño, 1800 Marikina City 10 . Network Consolidated Cooperative Bank 160 Katipunan Avenue, St. Ignatius Village, 1110 Quezon City 11 . Rodriguez Rural Bank, Inc. Unit A, GF, Rayle Bldg. 52 Dr. Sixto Antonio, Kapasigan, Pasig City 12 . Rural Bank of Caloocan, Inc. 551600 A. Mabini corner Damayan Streets, Maypajo, Caloocan City 13 . Rural Bank of San Pascual (Obando, Bulacan), Inc. 3451410 M.H. del Pilar cor. Navarette St. Brgy. Arkong Bato,Valenzuela City 14 . San Francisco Del Monte Rural Bank, Inc. 958-964 Del Monte Avenue, Barangay Damayan, Quezon City 15 . Second Rural Bank of Valenzuela (Metro Manila), Inc. 45 M.H. del Pilar Road, Poblacion 1, Valenzuela City 16 . Smart Bank (A Rural Bank), Inc. G/F Westgate Tower, 1708 Investment Drive, Madrigal Business Center, Alabang, Muntinlupa City 1780 17 . Tanay Rural Bank, Inc. 31st floor unit 3101-3108 Raffles Corporate Center, F. Ortigas Jr. Road, Ortigas Center, Pasig City

REGION I - ILOCOS

Ilocos Norte

1 . Rural Bank of Batac, Inc. Albano St., Brgy. 1-N Ricarte, Batac City, Ilocos Norte 2906

Ilocos Sur

1 . Cordillera Bank, Inc. (A Rural Bank) Mena Crisologo St., Barangay 1, Vigan, Ilocos Sur 2 . Ilocos Consolidated Cooperative Bank ISCB Bldg., National Highway, Bagani Camposanto, Candon, 2710 Ilocos Sur 3 . Rural Bank of Cabugao (Ilocos Sur), Inc. Barangay Rizal, Cabugao, Ilocos Sur 4 . Rural Bank of Galimuyod (Ilocos Sur), Incorporated Poblacion, Galimuyod, 2709 Ilocos Sur 5 . Rural Bank of Salcedo (Ilocos Sur), Inc. Poblacion, Salcedo, Ilocos Sur 6 . Rural Bank of Sta. Maria (Ilocos Sur), Inc. Col. S. Reyes Ave., Pob. Sur, Sta. Maria, Ilocos Sur 2705 7 . Sadiri Rural Bank (San Juan, Ilocos Sur), Inc. Poblacion, San Juan, 2731 Ilocos Sur 8 . Vigan Banco Rural, Incorporada Salcedo St., Vigan, Ilocos Sur

La Union

1 . Bannawag Bank, Inc. (A Rural Bank) Camilio Osias Street, Balaoan, La Union 2 . Community Rural Bank of San Gabriel (La Union), Inc. Poblacion, San Gabriel, La Union 3 . Cooperative Bank of La Union CBLU Bldg., National Highway, Sta. Barbara, Agoo, La Union

4 . LUDB Bank, Inc. (A Rural Bank) Quezon Avenue, Brgy. II, San Fernando City, 2500 La Union 5 . Rang-Ay Bank, Inc. (A Rural Bank) G/F Nisce-Querol Bldg., 67 Gov. Luna St., City of San Fernando, La Union 2500 6 . Rural Bank of Agoo, Inc. National Highway, Consolacion, Agoo, La Union

Source: Supervisory Data Center, Financial Supervision Sector

III. 3 1.c Rural and Cooperative Banks

Name of Bank Address

7 . Rural Bank of Bacnotan, Inc. National Highway, Barangay Nagsimbaanan, Bacnotan, La Union 8 . Rural Bank of Bauang, Inc. McArthur Highway corner Florendo St., Central East, Bauang, La Union 9 . Rural Bank of Rosario (La Union), Inc. Poblacion East, Rosario, La Union 10 . Rural Bank of Sudipen (La Union), Inc. Ipet, Sudipen, 2520 La Union

Pangasinan

1 . ASENSO Rural Bank of Bautista, Inc. Poblacion East, Bautista, Pangasinan 2424 2 . Banco Sual (A Rural Bank), Inc. Poblacion, Sual, Pangasinan 3 . Bangko Pangasinan - A Rural Bank, Inc. ETG Bldg. Mayombo District, Dagupan City 4 . BHF Rural Bank, Inc. Mayombo District, Dagupan City, Pangasinan 2400 5 . CSFirst Bank, Inc. -A Rural Bank J.P. Rizal St., Poblacion Sur, Bayambang, 2423 Pangasinan 6 . Kaluyagan Rural Bank, Inc. Mabini St., San Carlos City, 2420 Pangasinan 7 . Pangasinan Bank (A Rural Bank), Inc. Rizal Avenue, Poblacion, Mangaldan, 2432 Pangasinan 8 . Rural Bank of Alaminos (Pangasinan), Inc. Quezon Avenue, City of Alaminos, Pangasinan 2404 9 . Rural Bank of Anda (Pangasinan), Inc. Anda, Pangasinan 10 . Rural Bank of Balungao (Pangasinan), Inc. Poblacion, Balungao, Pangasinan 11 . Rural Bank of Bayambang (Pangasinan), Inc. Rizal Avenue, Poblacion, Bayambang, Pangasinan 12 . Rural Bank of Bolinao (Pangasinan), Inc. RB of Bolinao Bldg., Santiago St., Poblacion, Bolinao, Pangasinan 13 . Rural Bank of Central Pangasinan (Bayambang), Inc. Bayambang, Pangasinan 2418 14 . Rural Bank of Mangaldan, Inc. (Bangko Rural Ng Poblacion, Mangaldan, Pangasinan Mangaldan, Ink.) 15 . Rural Bank of Pozorrubio, Inc. Pozorrubio, Pangasinan 16 . Rural Bank of San Nicolas (Pangasinan), Inc. Rizal St., Poblacion, San Nicolas, 2447 Pangasinan 17 . Rural Bank of San Quintin, Inc. Figueroa St., Poblacion Zone II, San Quintin, Pangasinan 2444

CAR - CORDILLERA ADMINISTRATIVE REGION

Abra

1 . Rural Bank of Bucay (Abra), Inc. South Poblacion, Bucay, Abra 2805

Apayao

1 . Rural Bank of Luna (Kalinga-Apayao), Inc. San Isidro, Luna, Apayao

Benguet

1 . Banco Bakun, Inc. (A Rural Bank) Antamok Tram, Ucab, Itogon, Benguet 2 . Benguet Center Bank, Inc. A Rural Bank Poblacion, Sablan, Benguet 2614 3 . Cooperative Bank of Benguet (CBB) JC 225 Central Pico, Km 5, La Trinidad, Benguet 2601 4 . Diamond Rural Bank, Inc. No. 2 Kayang St., Baguio City 2600 5 . Highland Rural Bank Inc. A-02 Poblacion, La trinidad, 2601 Benguet 6 . Rural Bank of Baguio, Inc. Ground Floor JESNOR Condominium Building, 4 Carino St. Corner Otek St., Baguio City 7 . Rural Bank of Itogon (Benguet), Inc. 1993 Public Market Bldg., Km. 5 Pico, La Trinidad, 2601 Benguet

8 . Summit Bank (Rural Bank of Tublay, Inc.) Acop, Tublay, Benguet (Exec. Office-#35 Lian Ting Bldg., Diego Silang St., Baguio City)

Source: Supervisory Data Center, Financial Supervision Sector

III. 4 1.c Rural and Cooperative Banks

Name of Bank Address

Ifugao

1 . Lagawe Highlands Rural Bank 59 JP Rizal Avenue, Poblacion East, Lagawe, 3600 Ifugao

Kalinga

1 . Rural Bank of Rizal (Kalinga-Apayao), Inc. Rizal, Kalinga 2 . Rural Bank of Tabuk (Kalinga_Apayao), Inc. Provincial Road, Barangay Bulanao, Tabuk, Kalinga

Mountain Province

1 . Cooperative Bank of Mt. Province Road Level, Cooperative Bank Building, Poblacion, Bontoc, Mountain Province 2 . Rural Bank of Bontoc (Mountain Province), Inc. First Floor EDNP Bldg., Poblacion, Bontoc, Mountain Province 3 . Rural Bank of Sagada (Mountain Province), Inc.2616 Poblacion Sagada, Mountain Province

REGION II - CAGAYAN VALLEY

Cagayan

1 . Cooperative Bank of Cagayan Diversion Road, San Gabriel, Tuguegarao City, Cagayan 2 . Providence Rural Bank, Inc. Banco Agricola Bldg., Aglipay St., Dugo, Camalaniugan, 3510 Cagayan 3 . Rural Bank of Gattaran (Cagayan), Inc. Centro Norte, Gattaran, 3508 Cagayan 4 . Rural Bank of Sanchez Mira (Cagayan), Inc. Lagasca St., Centro I, Sanchez Mira, Cagayan

Isabela

1 . Common Wealth Rural Bank, Inc. Amity Building, National Highway, Cauayan, Isabela 2 . First Isabela Cooperative Bank, Inc. (Ficobank) Minante I, Cauayan City Public Mkt, Cauayan City (Executive Address: 2nd Floor, FICO Bank Corporate Center, Minante 1, Cauayan City, 3305 Isabela) 3 . Golden Rural Bank of the Philippines, Inc. National Hi-way, Cabaruan, Cauayan City, 3305 Isabela 4 . Mallig Plains Rural Bank (Isabela), Inc. National Highway, Centro 2, 3323 Mallig, Isabela 5 . North Pacific Banking Corporation (A Rural Bank) NWTF Building, Poblacion I, Sta. Maria, Isabela (Mailing Address: La Patria Bldg. Cabaruan, Cauayan City, 3305 Isabela) 6 . Rural Bank of Alicia (Isabela), Inc. Quezon St., Magsaysay, Alicia, Isabela 7 . Rural Bank of Cauayan, Incorporated Don Jose Canciller Avenue, District 1, Cauayan City, 3303 Isabela 8 . Rural Bank of Ramon (Isabela), Inc. 121 National Road, Bugallon Proper, Ramon, Isabela 9 . Rural Bank of San Agustin (Isabela), Inc. RB Bldg., Maharlika Highway, Brgy. Masaya Centro, San Agustin, Isabela 3314 10 . Rural Bank of San Manuel (Isabela), Inc. San Manuel, Isabela 11 . Rural Bank of San Mateo (Isabela), Inc. Poblacion, San Mateo, Isabela 12 . Rural Bank of Tumauini (Isabela), Inc. National Highway, Poblacion, Tumauini, Isabela 13 . United Consumers Rural Bank, Inc. National Highway, Centro, Aurora, Isabela

Source: Supervisory Data Center, Financial Supervision Sector

III. 5 1.c Rural and Cooperative Banks

Name of Bank Address

Nueva Vizcaya

1 . Agribusiness Rural Bank, Inc. Poblacion, Solano, Nueva Vizcaya 2 . Cooperative Bank of Nueva Vizcaya Burgos cor Gaddang Sts., Quirino, Solano, Nueva Vizcaya 3 . Rural Bank of Aritao, Inc. National Highway, Barangay Banganan, 3704 Aritao, Nueva Vizcaya 4 . Rural Bank of Bagabag (N.V.), Inc. 65A National Highway, Barangay San Pedro, Bagabag, Nueva Vizcaya 3711 5 . Rural Bank of Bambang (Nueva Vizcaya), Inc. Bambang, Nueva Vizcaya 6 . Rural Bank of Bayombong, Inc. National Road, 3700 Bayombong, Nueva Vizcaya 7 . Rural Bank of Dupax (Nueva Vizcaya), Inc. Malasin, Dupax Del Norte, 3706 Nueva Vizcaya 8 . Rural Bank of Solano (Nueva Vizcaya), Inc. Maharlika Highway, Poblacion South, Solano, Nueva Vizcaya

9 . Rural Bank of Villaverde (Nueva Vizcaya), Inc. Villaverde, Nueva Vizcaya 10 . Vizcaya Bank, A Rural Bank, Inc. Gen. Luna St., Poblacion South, Solano, Nueva Vizcaya

Quirino

1 . Bangko Magsaysay (Isabela), Inc. - A Rural Bank Magsaysay, Saguday, Quirino 2 . Rural Bank of Maddela (Quirino), Inc. E. Mangaoil Building, Poblacion Norte, Maddela, Quirino

REGION III - CENTRAL LUZON

Aurora

1 . Aurorabank (A Microfinance-Oriented Rural Bank), Inc. Rizal St., Brgy. 5, Poblacion, Baler, Aurora 2 . Cooperative Bank of Aurora Avenida Aurora, San Luis, Aurora

3 . Rural Bank of Casiguran (Aurora), Inc. Jose Angara Avenue, Poblacion 4, Casiguran 3204 Aurora

4 . Rural Bank of Maria Aurora (Aurora), Inc. 028 Silvestre St., Barangay 01, Maria Aurora, Aurora

Bataan

1 . Balanga Rural Bank, Inc. Don Manuel Banzon Ave., Doña Francisca Subdivision, Balanga City, Bataan 2 . Bataan Cooperative Bank Capitol Compound, Balanga, Bataan 3 . Rural Bank of Abucay (Bataan), Inc. Barangay Bagong Daan, Calaylayan, Abucay, Bataan 4 . Rural Bank of Bagac, Bataan, Inc. 13 Jose P. Rizal Street, Barangay Pag-asa, Bagac, Bataan 5 . Rural Bank of Hermosa (Bataan), Inc. Burgos St., Poblacion, Hermosa, Bataan 2111 6 . Rural Bank of Limay (Bataan), Inc. National Road., Townsite, Limay, Bataan 7 . Rural Bank of Pilar (Bataan), Inc. Rizal St., Poblacion, Pilar, Bataan 8 Village Bank, Inc. (A Rural Bank) Zamora St., Centro I, Orani, Bataan 2112

Bulacan

1 . Agricom Rural Bank, Incorporated F. Santiago cor. A. Morales Sts., Poblacion, Sta. Maria, Bulacan

2 . Baliuag Rural Bank, Inc. Benigno S. Aquino Avenue, Poblacion, Baliuag, 3006 Bulacan

3 . East Coast Rural Bank of Hagonoy, Inc. G. Panganiban St., Sto. Niño, Hagonoy, 3002 Bulacan 4 . Emerald Rural Bank, Inc. Barangay Sta. Cruz I, San Jose Del Monte City, Bulacan 3024 5 . Gateway Rural Bank, Inc. McArthur Highway, Wawa, Balagtas, 3016 Bulacan

Source: Supervisory Data Center, Financial Supervision Sector

III. 6 1.c Rural and Cooperative Banks

Name of Bank Address

6 . Liberty Bank (A Rural Bank), Inc. McArthur Highway corner Contreras St., Calvario, Meycauayan, 3020 Bulacan 7 . Meycauayan Second Rural Bank, Inc. Mac Arthur Highway, Calvario, Meycauayan, 3020 Bulacan 8 . Rural Bank of Angat (Bulacan), Inc. M.A. Fernando St., San Roque, Angat, Bulacan 9 . Rural Bank of Bustos, Inc. National H-way, B. Manor, Bustos, Bulacan 10 . Rural Bank of Doña Remedios Trinidad (Bulacan), Inc. 9001 Luciano St., Pulong Sampaloc, Doña Remedios Trinidad, Bulacan 3009 11 . Rural Bank of Malolos, Inc. Pariancillo St., Sto. Niño, City of Malolos, Bulacan 3000 12 . Rural Bank of Pandi (Bulacan), Inc. J.P. Rizal St., Poblacion, Pandi, Bulacan 13 . Rural Bank of Plaridel, Inc. Gov. Padilla St., Banga 1st, Plaridel, Bulacan 3004 14 . Rural Bank of San Rafael (Bulacan), Inc. Cruz na Daan, San Rafael, Bulacan 15 . Silahis Bank, Inc. (A Rural Bank) 452 Mc. Arthur Highway, Balagtas, 3016 Bulacan 16 . Sta. Maria Rural Bank, Inc. Sta. Maria, Bulacan

Nueva Ecija

1 . Aliaga Farmers Rural Bank, Inc. General Luna St., Poblacion West III, Aliaga, Nueva Ecija 3111

2 . Banco Rural de General Tinio (BRGT), Inc. PCL-311, Bonifacio St., Brgy. Poblacion Central, General Tinio, Nueva Ecija 3 . Citizen's Rural Bank (Cabiao), Inc. San Juan North, Cabiao, Nueva Ecija 3107 4 . Cuyapo Rural Bank, Inc. No. 2 Quezon Ave. St., Brgy. Poblacion, Cuyapo, 3117 Nueva Ecija 5 . GM Bank of Luzon, Inc. (A Rural Bank) GM Bank Corporate Office Building, Maharlika Highway, Brgy. Dimasalang, Cabanatuan City, 3100 Nueva Ecija 6 . Key Rural Bank, Inc. Poblacion, San Antonio, 3108 Nueva Ecija 7 . Masagana Rural Bank, (Gen. Natividad, N.E.), Inc. Purok Caballero Poblacion, General Mamerto Natividad, 3125 Nueva Ecija 8 . New Covenant Bank, Inc. (A Rural Bank) SMQ Bldg., Maharlika Highway, Dimasalang, Cabanatuan City 3100 9 . New Rural Bank of San Leonardo (Nueva Ecija), Inc. New Rural Bank of San leonardo, Inc. Building, Barangay Diversion, Maharlika Highway, San leonardo, Nueva Ecija 10 . ProFarmers Rural Banking Corporation Mata St., Poblacion East, Lupao, Nueva Ecija 3122 11 . Rural Bank of Jaen, Inc. Jaen, Nueva Ecija 12 . Rural Bank of Quezon (N. E.), Inc. T. Joson Ave., Dulong Bayan, Quezon, Nueva Ecija 3113 13 . Rural Bank of Sto. Domingo (Nueva Ecija), Inc. D. Noriel St., Hulo, Sto. Domingo, Nueva Ecija 14 . Rural Bank of Talugtug (N. E.), Inc. Poblacion, Talugtug 3118 Nueva Ecija 15 . Towncall Rural Bank, Inc. G/F Towncall, Maharlika Highway, Dicarma, Cabanatuan City

Pampanga

1 . Bangko Nuestra Senora Del Pilar, Inc. (A Rural Bank) 678 McArthur H-way, San Simon, Pampanga 2 . BOF, Inc. (A Rural Bank) McArthur Highway, Dolores, City of San Fernando, 2000 Pampanga 3 . Crown Bank, Inc. (A Rural Bank) Mac Arthur Highway, San Vicente, Apalit, 2016 Pampanga 4 . Guagua Rural Bank, Inc. Plaza Burgos, Guagua, 2003 Pampanga 5 . Guagua Savers Bank (A Rural Bank), Inc. 503 Clemente Puno St., Sto. Cristo, Guagua, 2003 Pampanga

6 . Masantol Rural Bank, Inc. Masantol, Pampanga 7 . Rural Bank of Angeles, Inc. 1229 Sto. Entierro St., Angeles City, Pampanga 8 . Rural Bank of Apalit, Inc. RBA Bldg., Along Mac Arthur Highway, Brgy. San Vicente, Apalit, Pampanga 2016 9 . Rural Bank of Mabalacat, Inc. 107 Mac-Arthur Highway, Dau, Mabalacat, 2010 Pampanga

Source: Supervisory Data Center, Financial Supervision Sector

III. 7 1.c Rural and Cooperative Banks

Name of Bank Address

10 . Rural Bank of Mexico, Inc. Poblacion, Parian, Mexico, Pampanga 11 . Rural Bank of Porac (Pampanga), Inc. Sto. Rosario St. cor. Flora Ave., Angeles City, Pampanga 12 . Rural Bank of San Luis (Pampanga), Inc. Barangay Santo Cristo, Guagua, Pampanga 13 . Rural Bank of Sasmuan (Pampanga), Incorporated San Nicolas II, Sasmuan, 2004 Pampanga 14 . San Bartolome Rural Bank, Inc. San Pedro I, Magalang, Pampanga 15 . San Fernando Rural Bank, Inc. GF Safer Bldg. Consunji St., Barangay Sto. Rosario, San Fernando City, Pampanga 16 . Saviour Rural Bank, Inc. Olongapo Highway corner Osmeña Street, Sta. Cruz, Lubao, Pampanga 17 . Second Rural Bank of San Luis, Pampanga, Inc. San Luis, Pampanga

Tarlac

1 . Advantage Bank Corp. (A Microfinance-Oriented Rural Stop Over Commercial Complex, Mac Arthur Highway Bank) (Namkwang Road) corner Gerona-Pura Road, Brgy. Abagon, 2 . Camiling Rural Bank, Inc. CamilingGerona, Tarlac Rural Bank Building, Romulo Highway Quezon Avenue, Poblacion C, Camiling 2306 Tarlac 3 . Rural Bank of La Paz, Inc. J. Catalan St. Corner Burgos St., San Isidro, La Paz, Tarlac 4 . Rural Bank of Pura, Inc. Poblacion 3, Pura, Tarlac 5 . Rural Bank of Sta. Ignacia, Inc. Poblacion East, Sta. Ignacia, Tarlac 6 . Rural Bank of Sta. Rosa De Lima (Paniqui, Tarlac), Inc. #7 Burgos St., Poblacion Sur, Paniqui, Tarlac 7 . Rural Bank of Victoria, Inc. Victoria, Tarlac 8 . St. Michael Rural Bank of Tarlac (Tarlac), Inc. G/F Herminia Bldg., Espinosa St. cor. Rizal St., Block 2, Sto. Cristo, Tarlac City, Tarlac

Zambales

1 . Banko Zambaleño Inc., (BZI) (A Rural Bank) Candelaria, Zambales 2 . Bridgeway Rural Banking Corporation Botolan Agora Complex, Batonlapoc, Botolan, Zambales 2202

3 . Community Rural Bank of San Felipe (Zambales), Inc. National Highway, West Feria, San Felipe, Zambales 4 . Cooperative Bank of Zambales Rizal Ave. corner Gomez St. Zone II, Iba, Zambales 2201 5 . Countryside Rural Bank of Palauig (Zambales), Inc. National Highway, Barangay West Poblacion, Palauig, Zambales

6 . Maharlika Rural Bank, Inc. National Road, Poblacion North, Sta. Cruz, 2213 Zambales 7 . Rural Bank of Cabangan (Zambales), Inc. Barangay San Antonio, Cabangan, Zambales 8 . Rural Bank of San Marcelino, Inc. Agpalo St., Central, San Marcelino, Zambales 9 . Rural Bank of San Narciso, Inc. Fontimayor St., Bgy. Libertad, San Narciso, Zambales 10 . Zambales Rural Bank, Inc. #6, 20th St., East Bajac-Bajac, Olongapo City

REGION IV - A (CALABARZON)

Batangas

1 . 5 Speed Rural Bank, Inc. J. P. Rizal St., Poblacion, Padre Garcia, Batangas 2 . Batangas Rural Bank for Coop., Inc. Pastor Ave., New Public Market, Cuta, Batangas City 3 . Bolbok Rural Bank, Inc. Mojica Street, Poblacion, San Juan, Batangas 4 . Caritas Banco Ng Masa, Inc. (A Microfinance Oriented Easy Mart Compound, Calatagan, Batangas Rural Bank) 5 . Classic Rural Bank, Inc. Evangelista St., Batangas City 6 . Empire Rural Bank, Inc. C.M. Recto Avenue, Barangay 4, Lipa City, 4217 Batangas 7 . FBC First Bank of Calaca, Inc. 137 Marasigan St., Poblacion 3, Calaca, 4212 Batangas

Source: Supervisory Data Center, Financial Supervision Sector

III. 8 1.c Rural and Cooperative Banks

Name of Bank Address

8 . Limcoma Rural Bank, Inc. Makalintal Avenue, Poblacion 2, San Jose, Batangas 4227 9 . Lipa Bank, Inc. (A Rural Bank) 65 T.M. Kalaw St., Lipa City, Batangas 4217 10 . Malarayat Rural Bank, Inc. G.A. Solis St., Brgy. 11, Lipa City, 4217 Batangas 11 . Mt. Carmel Rural Bank, Inc. J. M. Kalaw St., Lipa City, Batangas 12 . New Rural Bank of Agoncillo, Inc. Alcantara St., Poblacion, Agoncillo, Batangas 13 . Progressive Rural Bank, Inc. Luta Del Norte, Malvar, 4233 Batangas 14 . Rural Bank of Alitagtag, Inc. Poblacion, Alitagtag, Batangas 15 . Rural Bank of Cuenca, Inc. Marasigan St., Barangay 2, Cuenca, Batangas 16 . Rural Bank of Lemery, Inc. Ilustre Avenue, Lemery, Batangas 17 . Rural Bank of Lipa City (Batangas), Inc. 113 J.P. Rizal St., Lipa City, Batangas 18 . Rural Bank of Padre Garcia, Inc. A. Mabini St., Poblacion, Padre Garcia, Batangas 19 . Rural Bank of San Luis (Batangas), Inc. R. Diokno St., Poblacion, San Luis, Batangas 4210 20 . Rural Bank of Taal, Inc. F. Agoncillo St., Taal, 4208 Batangas 21 . Rural Bank of Talisay (Batangas), Inc. 40 Gen. A. Laurel St., Poblacion 6, Talisay, Batangas 4220 22 . Summit Rural Bank of Lipa City, Inc. 50 B Morada Ave., Lipa City, Batangas 23 . Sunrise Rural Bank (Rosario, Batangas), Inc. Y. Zuño St., Rosario, Batangas 24 . Tiaong Rural Bank, Inc. 2497 Maharlika Highway, San Antonio, Sto. Tomas Batangas 4234 25 . Utility Bank, Inc. (A Rural Bank) 30 J. P. Rizal St, Poblacion I, Bauan, Batangas 26 . Women's Rural Bank, Inc. Carandang Street, Poblacion, Rosario, Batangas

Cavite

1 . Agricultural Bank of the Philippines, Inc. (A Rural Bank) 121 Don Placido Campos Avenue, Dasmariñas, Cavite 4114

2 . Bangko Mabuhay (A Rural Bank), Inc. Bangko Mabuhay Building, A. Soriano Highway, Brgy. Daang Amaya III, Tanza, 4108 Cavite 3 . Bangko Noveleta, Inc., A Rural Bank Poblacion, Noveleta, Cavite 4 . Cavite United Rural Bank, Corp. 636 Tanzang Luma III, Aguinaldo Highway, Imus, Cavite 5 . Cebuana Lhuillier Rural Bank, Inc. 160 Zapote Road, Barangay Zapote I, Bacoor, Cavite 6 . First Integrity Bank, Inc. (Rural Bank of Bailen) 1655 Real St., Brgy. Poblacion I, General E. Aguinaldo, Cavite 7 . Imus Rural Bank, Inc. Cor.4124 Col. M. Sapinoso St. & Capt. I Bella St., Poblacion 1C, City of Imus, 4103 Cavite 8 . Masuwerte Rural Bank of Bacoor (Cavite), Inc. F. Giron Arcade, Aguinaldo Highway, Zapote 4, Bacoor, 4102 Cavite 9 . Own Bank, The Rural Bank of Cavite City, Inc. 505 P. Burgos Ave. cor. P. Julio st., Caridad, 4100 Cavite City 10 . Rural Bank of General Trias, Inc. Tejero, General Trias, Cavite 11 . Rural Bank of Maragondon, Inc. 022 Gen. E. Riego De Dios St., Poblacion 1B, Maragondon, Cavite

12 . Rural Bank of Naic, Inc. No. 16 Nazareno St., Bgy. Nazareno, Naic, Cavite 13 . Sto. Niño Rural Bank (Ternate, Cavite), Inc. H. Ventura st. 4111 Ternate, Cavite

Laguna

1 . Banco De Calamba, Inc. (A Rural Bank) F. Mercado St., Calamba City, Laguna 2 . Banco Laguna, Inc. (A Rural Bank Since 1965) 32 Rizal St., Poblacion 2, Pagsanjan, 4008 Laguna 3 . Biñan Rural Bank, Inc. M. Manabat St., Brgy. San Antonio, Biñan, Laguna 4 . Card Bank, Inc. (A Microfinance - Oriented Rural Bank) 35 P. Burgos St. Corner M. Paulino St., San Pablo City, Laguna

5 . De La O Rural Bank, Inc. 010 San Jose St., Barangay San Jose, Pangil, 4018 Laguna 6 . Entrepreneur Rural Bank, Inc. 63 A. Mabini St., Barangay Poblacion, San Pedro, 4023 Laguna

7 . First United Farmers Rural Bank, Inc. Brgy. Callos, Sta. Cruz, Laguna

Source: Supervisory Data Center, Financial Supervision Sector

III. 9 1.c Rural and Cooperative Banks

Name of Bank Address

8 . Laguna Prestige Banking Corporation, (A Rural Bank) J.P. Rizal St. corner F. Limcaoco St., Barangay Uno, Cabuyao, 4026 Laguna 9 . Mount Makiling Rural Bank, Inc. Gate 1, YTMI Realty SEZ, Brgy. Makiling, Calamba City, 4027 Laguna 10 . Ormon Bank (Rural Bank of Mulanay (Quezon), Inc.) Barangay Sto. Domingo, Bay, Laguna 4033 11 . Planbank "Rural Bank of Canlubang Planters, Inc." National Highway, Halang, Calamba City, 4027 Laguna 12 . Provident Rural Bank of Sta. Cruz (Laguna), Inc. Quezon Avenue, Calios, Sta. Cruz, 4004 Laguna 13 . Rizal Bank, Inc. A Microfinance-Oriented Rural Bank Aguirre St. Corner Pedro Guevarra Avenue, Sta. Cruz, Laguna 14 . Rural Bank of Bay, Inc. 4009Rizal Avenue, San Nicolas, Bay, Laguna 15 . Rural Bank of Calauan, Inc. Rizal Ave., Calauan, Laguna 16 . Rural Bank of Cavinti (Laguna), Inc. Cavinti, Laguna 17 . Rural Bank of Luisiana (Laguna), Inc. Luisiana, Laguna 18 . Rural Bank of Lumban (Laguna), Inc. National Highway, Brgy. Lewin, Lumban, Laguna 19 . Rural Bank of Mabitac (Laguna), Inc. J.P. Rizal St., Barangay Sinagtala, Mabitac, Laguna 20 . Rural Bank of Magdalena (Laguna), Inc. 10 E. Jacinto St., Poblacion, Magdalena, Laguna 21 . Rural Bank of Marilag (Sta. Maria, Laguna), Inc. 106 Real Velasquez St., Barangay IV, Sta. Maria, Laguna 22 . Rural Bank of Paete, Inc. Rizal cor. Quesada St., Paete, Laguna 23 . Rural Bank of Pangil (Laguna), Inc. Barangay Balian, Pangil, Laguna 24 . Rural Bank of Rizal (Laguna), Inc. Rizal Avenue, Brgy. West Poblacion, Rizal, Laguna 25 . Rural Bank of San Lorenzo Ruiz (Siniloan), Inc. P. Burgos, Siniloan, Laguna 26 . Rural Bank of Seven Lakes (San Pablo City), Inc. 102 M. Paulino St., San Pablo City, Laguna 27 . Rural Bank of Sta. Rosa (Laguna), Inc. F. Gomez St., Malusak, Sta. Rosa City, Laguna 28 . Turumba Rural Bank of Pakil, Inc. 36 Tavera Street, Pakil, Laguna 29 . Unilink Bank, Inc. (A Rural Bank) Km. 39 Nat'l. H-way, Balibago, Sta. Rosa, Laguna

Quezon

1 . Cooperative Bank of Quezon Province Granja cor. L. Guinto Sts., Lucena City, Quezon 2 . Grand-Agri Rural Bank No. 23 Juarez Corner Bonifacio Sts., Barangay V, Lucena City, 4301 Quezon 3 . Mega Rural Bank (Lucena City), Inc. 175 C.M. Recto St., Brgy. IX, Lucena City 4 . Quezon Capital Rural Bank, Inc. Perez cor C.M. Recto, Lucena City 5 . Rural Bank of Atimonan, Inc. 111 Quezon St., Atimonan, Quezon 4331 6 . Rural Bank of Candelaria, Inc. Cabuñag St. Corner Bustamante St., Candelaria, 4323 Quezon 7 . Rural Bank of Dolores (Quezon), Inc. 05 Cauyan St., Brgy. Silangan, Dolores, Quezon 4326 8 . Rural Bank of General Luna (Quezon), Inc. Ester St., Poblacion, General Luna, Quezon 9 . Rural Bank of Infanta, Inc. Corner Velasco & Mabini Streets, Infanta, Quezon 10 . Rural Bank of Lucban (Quezon), Inc. 103 Rizal Avenue, Barangay 8, Lucban, Quezon 11 . Rural Bank of Mauban, Inc. Quezon St., Mauban, Quezon 12 . Rural Bank of Pagbilao, Inc. C.M. Recto St., Barangay Mapagong, Pagbilao, Quezon 13 . Rural Bank of Sampaloc (Quezon), Inc. Quezon Avenue Corner Tumagay St., Sampaloc, Quezon 14 . Rural Bank San Antonio, Inc. J. C. Wagan Avenue, Poblacion, San Antonio, Quezon 15 . United People's Rural Bank, Inc. Salazar Street, Candelaria, Quezon 16 . Universal Rural Bank of Lopez (Quezon), Inc. San Francisco Street, Brgy. Talolong, Lopez, Quezon

Rizal

1 . Binangonan Rural Bank, Inc. 135 Baltazar St., Layunan, Binangonan, Rizal 2 . Filidian Rural Bank of Antipolo Inc. #6 Sen. Lorenzo Sumulong Memorial Circle, Brgy. Dalig, Antipolo, 1870 Rizal 3 . Innovative Rural Bank, Inc. (A Rural Bank) F. Martinez St., Barangay Takungan, Pililla, Rizal

Source: Supervisory Data Center, Financial Supervision Sector

III. 10 1.c Rural and Cooperative Banks

Name of Bank Address

4 . Rural Bank of Angono, Inc. 139 M. L. Quezon Avenue, Brgy. San Isidro, Angono, Rizal 1930

5 . Rural Bank of Antipolo, Inc. 53 J. Sumulong St., Brgy. San Roque, Antipolo City 1870 Rizal 6 . Rural Bank of Cardona (Rizal), Inc. 1508 Quirino Blvd. Cardona, Rizal 1950 7 . Rural Bank of Montalban, Inc. J.P. Rizal Ave., Manggahan Rodriguez, Montalban, Rizal

REGION MIMAROPA

Occidental Mindoro

1 . Occidental Mindoro Cooperative Bank (OMCB) 615 Lapu-Lapu St., San Jose, Occidental Mindoro 2 . Occidental Mindoro Rural Bank, Inc. Lubang, Occidental Mindoro 3 . Tamaraw Rural Bank, Inc. M.H. Del Pilar cor. Magsaysay Sts., San Jose, Occidental Mindoro

Oriental Mindoro

1 . Banco de Mindoro, Inc. (A Rural Bank) M. Adriatico Corner Paras St., Barangay Ibaba East, Calapan City, Oriental Mindoro 2 . Bangko Rural ng San Teodoro, Inc. VCBG Building Poblacion, San Teodoro, Oriental Mindoro 3 . First Mindoro Microfinance Rural Bank, Inc. First Microbank Building, JP Rizal St., Poblacion, Bongabong, 5211 Oriental Mindoro 4 . Oriental Tamaraw Rural Bank of Naujan, (Or. Mdo.), Inc. Barangay Barcenaga, Naujan, 5204 Oriental Mindoro 5 . Rural Bank of Baco (Oriental Mindoro), Inc. Poblacion Baco, Oriental Mindoro 6 . Rural Bank of Bansud (Oriental Mindoro), Inc. Unno Semilla St., Poblacion, Bansud, Oriental Mindoro 7 . Rural Bank of Gloria (Or. Min.), Inc. Poblacion Gloria, Oriental Mindoro 8 . Rural Bank of Pinamalayan, Inc. Malvar St., Zone II, Pinamalayan, Oriental Mindoro 9 . Rural Bank of Pola (Oriental Mindoro), Inc. Batuhan, Pola, Oriental Mindoro 10 . Rural Bank of Puerto Galera (Oriental Mindoro), Inc. Poblacion Puerto Galera, Oriental Mindoro 5203 11 . Rural Bank of Roxas (Oriental Mindoro), Inc. Magsaysay St., Barangay Bagumbayan, Roxas, Oriental Mindoro 12 . Rural Bank of Socorro (Oriental Mindoro), Inc. Zone II, Socorro, Oriental Mindoro 5207 13 . The Country Bank Rural Bank of Bongabong Or. Mindoro, Poblacion Bongabong, Oriental Mindoro Inc.

Palawan

1 . Cooperative Bank of Palawan CBP Bldg. Junction I, National Highway, Brgy. San Miguel, Puerto Princesa City, Palawan 2 . Rural Bank of Brooke'S Point (Palawan), Inc. Rodriguez St. , Poblacion District II, Brookes Point, Palawan 3 . Rural Bank of Cuyo (Palawan), Inc. Mendoza St., Barangay Bancal, Cuyo, Palawan

Romblon

1 . Community Rural Bank of Romblon (Romblon), Inc. Bagong Lipunan, Bry. 1, Romblon, Romblon 2 . Manor Bank - A Rural Bank Corp. General Luna St. Corner Zamora St., Barangay Liwanag, Odiongan, 5505 Romblon 3 . Rural Bank of Santa Fe (Romblon), Inc. Poblacion, Sta. Fe, Tablas Island, Romblon

Source: Supervisory Data Center, Financial Supervision Sector

III. 11 1.c Rural and Cooperative Banks

Name of Bank Address

REGION V - BICOL

Albay

1 . Banco Santiago De Libon, Inc. San Francisco St., Libon, Albay 2 . Cagsawa Rural Bank, Inc. T. Perez Street, Daraga, Albay 3 . Camalig Bank, Inc. (A Rural Bank) Rizal Street, Ilawod East, 4500 Legazpi City, Albay 4 . Rural Bank of Guinobatan, Inc. JMH Building, Mabini St., Barangay Poblacion, Guinobatan, Albay

Camarines Norte

1 . Banco San Vicente, Inc. (A Rural Bank) San Vicente, Camarines Norte 2 . Rural Bank of Capalonga (Camarines Norte),Inc. J.P. Rizal St., Poblacion, Capalonga, Camarines Norte 3 . Rural Bank of Jose Panganiban (Camarines Norte), Inc. Roy Padilla Blvd., South Poblacion, Jose Panganiban Camarines Norte 4 . Rural Bank of Paracale (Camarines Norte), Incorporated San Antonio St., Poblacion Norte, Paracale Camarines Norte 4605 5 . Rural Bank of Sta. Elena (Camarines Norte), Inc. Poblacion, Sta. Elena, Camarines Norte

Camarines Sur

1 . Bangko Rural ng Magarao (Camarines Sur), Inc. San Pantaleon, Magarao, Camarines Sur 2 . Bangko Rural Ng Pasacao (Cam. Sur), Inc. Sta. Rosa Del Sur, Pasacao, Camarines Sur 3 . First Naga Rural Bank, Inc. Door 1 Ground Floor, DECA Corporate Center, Panganiban Drive, Brgy. Tinago, Naga City, 4400 Camarines Sur 4 . Municipal Rural Bank of Libmanan (Cam. Sur), Inc. Poblacion, Libmanan, Camarines Sur 4407 5 . Municipal Rural Bank of Nabua (Camarines Sur), Inc. San Francisco, Nabua, Camarines Sur 4434 6 . Rural Bank of Pamplona (Camarines Sur), Inc. Maharlika Highway, Tambo, Pamplona, Camarines Sur 7 . Rural Bank of San Fernando (Camarines Sur), Inc. Bonifacio, San Fernando, Camarines Sur 8 . Rural Bank of San Jose (Camarines Sur), Inc. Mendoza St., San Antonio, San Jose, Camarines Sur 4423 9 . Rural Bank of Sipocot (Camarines Sur), Inc. San Juan Avenue, Sipocot, Camarines Sur 10 . Rural Bank of Tigaon Camarines Sur, Inc. Poblacion, Tigaon, Camarines Sur 11 . Southeast Country Bank, Inc. ( A Rural Bank) 04 Sto. Domingo, Camaligan, Camarines Sur

Catanduanes

1 . ARDCIBank, Inc., A Rural Bank G/F ARDCI Corporate Building, San Roque, Virac, Catanduanes

Masbate

1 . Rural Bank of San Jacinto (Masbate), Inc. San Jacinto, Masbate

Sorsogon

1 . Rural Bank of Donsol (Sorsogon), Inc. Clemente St., Marketsite, Donsol, 4715 Sorsogon 2 . Rural Bank of Irosin, Inc. M. L. Quezon St., Barangay San Julian, Irosin, Sorsogon RB Pilar Bldg., Milleza St., Brgy. Dao, Poblacion, Pilar, Sorsogon 3 . Rural Bank of Pilar (Sorsogon), Inc. 4714

Source: Supervisory Data Center, Financial Supervision Sector

III. 12 1.c Rural and Cooperative Banks

Name of Bank Address

REGION VI - WESTERN VISAYAS

Aklan

1 . Rural Bank of Altavas (Aklan), Inc. General Luna St., Barangay Poblacion, Altavas, Aklan 2 . Rural Bank of Banga (Aklan), Inc. 0044 Rosal St., Poblacion, Banga, Aklan 3 . Rural Bank of Ibajay, Inc. 2F Ibajay Public Market, National Highway, Poblacion Ibajay, Aklan 4 . Rural Bank of Makato (Aklan), Inc. Mayor Paterio Tirol St., Poblacion, Makato, Aklan 5 . Rural Bank of New Washington (Aklan), Inc. Venus Ave., Poblacion, New Washington, Aklan

Antique

1 . Rural Bank of Bugasong (Antique), Incorporated Bonifacio St., Pojo, Bugasong, Antique 5704 2 . Rural Bank of Sibalom (Antique), Inc. Veñegas St., Sibalom, Antique 3 . Rural Bank of Tibiao (Antique), Inc. Gov. A.T. Lim Avenue, Poblacion, Tibiao, Antique 5707

Capiz

1 . Farm Bank, Inc. (A Rural Bank) Teodoro Arcenas Trade Center, Plaridel St., Barangay 8, Roxas City, 5800 Capiz 2 . Rural Bank of Cuartero (Capiz), Inc. Cuartero, Capiz 3 . Rural Bank of Jamindan (Capiz), Inc. Jamindan, Capiz 4 . Rural Bank of Mambusao, Inc. Bonifacio Street, Brgy. Poblacion Proper, Mambusao, 5807 Capiz

Guimaras

1 . Banco de Arevalo, Inc. (A Rural Bank) Concordia, Sibunag, Guimaras 5048

Iloilo

1 . Anilao Bank (Rural Bank of Anilao (Iloilo), Inc. T. Magbanua St., Pototan, Iloilo 2 . Bangko Buena Consolidated, Inc. (A Rural Bank) 23 Valeria & Rizal Sts., Iloilo City 3 . First Midland Rural Bank, Inc. FMRBI Bldg., Dessa, New Lucena, Iloilo 4 . Janiuay Rural Bank, Inc. Crispin Salazar St., Janiuay, Iloilo 5034 5 . LifeBank- A Rural Bank Bypass Road, Barangay Duyan-Duyan, Sta. Barbara, 5002 Iloilo 6 . Opportunity Kauswagan Bank, Inc. (A Microfinance Rural Unit 2, A & L Bldg., E. Lopez St., Jaro, Iloilo City, 5000 Bank) 7 . Progressive Bank, Inc. (Progressive A Rural Bank Inc) Del Rosario St., Balasan, Iloilo 5018 8 . Racso's Bank, Inc. (A Rural Bank) Rizal-Tuguisan, Guimbal, Iloilo 5022 9 . RBG Imperial Bank, Inc. (A Rural Bank) Tiu quioco Building, Yulo Street, Iloilo City 5000 10 . Rural Bank of Alimodian (Iloilo), Inc. Almacen St., Alimodian, Iloilo 5028 11 . Rural Bank of Barotac Nuevo, Inc. L. Araneta St., Barotac Nuevo, Iloilo 12 . Rural Bank of Cabatuan (Iloilo), Inc. Corner Magallon-Rizal Ilawod Sts., Cabatuan, Iloilo 5031 13 . Rural Bank of Calinog (Iloilo), Inc. Aguinaldo St., Poblacion Ilaya, Calinog, Iloilo 14 . Rural Bank of Dumangas, Inc. Cor. Burgos-JM Basa Sts., Dumangas, Iloilo

Source: Supervisory Data Center, Financial Supervision Sector

III. 13 1.c Rural and Cooperative Banks

Name of Bank Address

15 . Rural Bank of Iloilo City, Inc. Luna St., La Paz, Iloilo City 16 . Rural Bank of Leganes (Iloilo), Inc. Quintin Salas St., Poblacion, Leganes, Iloilo 17 . Rural Bank of Miagao (Iloilo), Inc. Noble St., Miagao, Iloilo 18 . Rural Bank of Oton (Iloilo), Inc. Mabini St., Oton, Iloilo 5020 19 . Rural Bank of Pavia (Iloilo), Inc. Cor. Hendriana-Sumakwel Sts., Brgy. Purok III, Pavia, Iloilo 20 . Rural Bank of Pototan, Inc. T. Magbanua Street, Pototan Iloilo, 5008 21 . Rural Bank of San Miguel (Iloilo), Inc. R.V. Sanchez Street, San Miguel, Iloilo 22 . Rural Bank of Sta. Barbara (Iloilo), Inc. Roosevelt St., Sta. Barbara, Iloilo 23 . Rural Bank of Tigbauan (Iloilo), Inc. Tigbauan, Iloilo 24 . Rural Bank of Zarraga (Iloilo), Inc. Zamora St., Poblacion, Zarraga, Iloilo 25 . Valiant Bank, Inc. (A Rural Bank) 41-A Mabini St., Iloilo City

Negros Occidental

1 . Dungganon Bank (A Microfinance Rural Bank), Inc. G/F NWTF Bldg., 102 San Sebastian-Verbena Streets, Bacolod City, 6100 Negros Occidental 2 . First Community Bank, Inc. (A Rural Bank) G/F Villasor-Villanueva Bldg., No. 59 Locsin Street, Barangay 37, Bacolod City, 6100 Negros Occidental 3 . First State Rural Bank, Inc. Go Brother's Building, Lopez Jaena Cor. Sta. Ana Sts., Brgy. 31, Bacolod City, 6100 Negros Occidental 4 . Marayo Bank, Inc. (A Rural Bank) Cortez St., Brgy. I, Pontevedra, 6105 Negros Occidental 5 . Negros Cooperative Bank North Capitol Road, Bacolod City, 6100 Negros Occidental 6 . Rural Bank of Bacolod City, Inc. 74-76 Narra Avenue, CSC, Barangay Villamonte, Bacolod City, Negros Occidental 7 . Rural Bank of Cadiz, Inc. Stall No. 2 & 3, Commercial Complex Bldg., Cabahug St., Brgy. Zone 4, Cadiz City, Negros Occidental 6121 8 . Rural Bank of Escalante (Negros Occ.), Inc. South Avenue, Barangay Balintawak, Escalante City, Negros Occidental 6124 9 . Rural Bank of Ilog (Negros Occidental), Inc. Dancalan, Ilog, Negros Occidental 10 . Rural Bank of Manapla (Neg. Occ.), Inc. Rural Bank of Manapla, Inc. Building, B. Gallo St., Brgy. 1-A, Manapla, Negros Occidental 11 . Rural Bank of Sagay, Inc. National Highway, Poblacion II, Sagay, Negros Occidental 12 . Rural Bank of Silay City, Inc. Eusebio Street Corner G. Gamboa Street, Brgy. 3, Silay City, Negros Occidental 13 . Talisay Rural Bank, Inc. Mabini-Bonifacio Sts., Brgy. Zone 4A, Talisay City, Negros Occidental

REGION VII - CENTRAL VISAYAS

Bohol

1 . Cooperative Bank of Bohol 0126 C.P.G. East Avenue, Brgy. Poblacion 1, Tagbilaran City 6300 2 . Rural Bank of Loboc, Inc. Poblacion, Loboc, Bohol 3 . Rural Bank of Loon (Bohol), Inc. Across Loon Municipal Bldg., National Highway, Cogon Norte, Loon, 6327 Bohol

Cebu

1 . Aspac Rural Bank, Inc. Mc Briones Highway Corner Gen Ricarte Street, Guizo Mandaue City, Cebu 2 . Banco Maximo, Inc. (A Rural Bank) E.S. Binghay St., Baliwagan, Balamban, 6041 Cebu 3 . Banco Rural De Isla Cordova (Cebu), Inc. San Miguel, Cordova, 6017 Cebu 4 . Bankways, Inc. (A Rural Bank) Banilad, Cebu City 5 . Community Rural Bank of Catmon (Cebu), Inc. 684 National Road, Corazon, Catmon, Cebu 6 . Community Rural Bank of Medellin (Cebu), Inc. Jose Rizal St., Poblacion, Medellin, Cebu City

Source: Supervisory Data Center, Financial Supervision Sector

III. 14 1.c Rural and Cooperative Banks

Name of Bank Address

7 . Cooperative Bank of Cebu M. Velez Street, Guadalupe, Cebu City 6000 8 . First Agro-Industrial Rural Bank, Inc. (FairBank) Dela Viña cor. J. Lequin Sts., Gairan, Bogo City, 6010 Cebu 9 . Frontier Rural Bank, Inc. M. Rizon Bldg. Punta Rizal St., Lapu-Lapu City, 6015 Cebu 10 . Mactan Rural Bank (Lapu-Lapu City), Inc. MYFC Bldg., M. Patalinghug Ave., Pajo, Lapu-Lapu City 11 . National Teachers & Employees Cooperative Bank Cor. M. J. Cuenco and Juan Luna Avenues, Mabolo, Cebu City 12 . Philippine SME Bank, Inc., A Rural Bank6000 OCS Bldg., M. L. Quezon St., Cabancalan, Mandaue City, Cebu

13 . RNG Coastal Bank, Inc. (A Rural Bank) Talamban Mart, Cabancalan Road, Talamban, Cebu City 14 . Rural Bank of Barili (Cebu), Inc. Poblacion, Barili, Cebu 15 . Rural Bank of Bogo (Cebu), Inc. P. Rodriguez St., Cogon, Bogo, Cebu 16 . Rural Bank of Madridejos (Cebu), Inc. Poblacion, Madridejos, Cebu 17 . Rural Bank of Mandaue, Inc. A. Del Rosario St., Centro Mandaue City 18 . Rural Bank of Oslob (Cebu), Inc. N. Bacalso St. cor M.J. Cuenco St., Poblacion, Oslob 6025, Cebu

19 . Rural Bank of Ronda, Inc. Purok 4, Centro Poblacion, Ronda, Cebu 6034 20 . Rural Bank of Talisay (Cebu), Inc. Tabunoc, Talisay, Cebu 21 . Sugbuanon Rural Bank, Inc. Dr. Ramon Arcenas Bldg., Osmena Blvd., Kamagayan, Cebu City 22 . Upland Rural Bank of Dalaguete (Cebu), Inc. Legaspi St., Poblacion, Dalaguete, 6022 Cebu

Negros Oriental

1 . Cooperative Bank of Negros Oriental CBNO Bldg., Libertad St., Dumaguete City 2 . Dumaguete Rural Bank, Inc. San Jose St., Poblacion 6, Dumaguete City, 6200 Negros Oriental 3 . Rural Bank of Amlan (Negros Oriental), Inc. North National Highway Corner Mabini St., Poblacion, Amlan, Negros Oriental 4 . Rural Bank of Bacong (Negros Oriental), Inc. Corner Hibbard Avenue and Amigo Subdivision, Dumaguete City 6200, Negros Oriental 5 . Rural Bank of Guihulngan (Negros Oriental), Inc. Sikatuna St., Poblacion, Guihulngan, Negros Oriental 6 . Rural Bank of Pamplona (Negros Oriental), Inc. Poblacion, Pamplona, Negros Oriental 6205 7 . Rural Bank of Sta. Catalina, Negros Oriental, Inc. Barangay Caranoche, Sta. Catalina, Negros Oriental 8 . Rural Bank of Tanjay, Inc. Magallanes St., Barangay II, Tanjay, Negros Oriental 9 . SG BANK - A RURAL BANK INC. Real St., Dumaguete City 6200, Negros Oriental

Siquijor

1 . Rural Bank of Larena (Siquijor), Inc. Bonifacio Street, North Poblacion, 6226 Larena, Siquijor

REGION VIII - EASTERN VISAYAS

Eastern Samar

1 . Far Eastern Bank (A Rural Bank) Inc. Brgy. 7 Market Site, Dolores, 6817 Eastern Samar 2 . Rural Bank of Guiuan (Eastern Samar), Inc. Sta. Cruz St., Guiuan, Eastern Samar

Leyte

1 . Bank of Ormoc, Inc. (A Rural Bank) Mabini St., Ormoc City, Leyte 2 . Rural Bank of Bato (Leyte), Inc. 482 Juan Luna St., Barangay Kalanggaman District, Bato, Leyte

3 . Rural Bank of Dulag (Leyte), Inc. Kempis St., Brgy. Market Site, Dulag, Leyte 6505 4 . Rural Bank of Hilongos,Inc. R.V. Villaflores St., Hilongos 6524 Leyte 5 . Rural Bank of Hindang (Leyte), Inc. 1082 J.P. Rizal Street, Poblacion 1, Hindang, Leyte 6523 6 . Rural Bank of Mahaplag (Leyte), Inc. Trasmonte St., Poblacion, Mahaplag, Leyte 6512 7 . Rural Bank of Matag-ob (Leyte), Inc. McArthur St., Matag-ob, 6532 Leyte

Source: Supervisory Data Center, Financial Supervision Sector

III. 15 1.c Rural and Cooperative Banks

Name of Bank Address

Western Samar

1 . Rural Bank of Basey (Samar), Inc. Serafin Marabut St., Brgy Loyo, Basey, Samar 2 . Rural Bank of Calbayog City, Inc. 82 T. Bugallon St., Calbayog City, Western Samar 6710 3 . Rural Bank of Gandara (Samar), Inc. San Miguel St., Gandara, Western Samar

Southern Leyte

1 . Rural Bank of Hinundayan (Southern Leyte), Inc. Rizal St., District III, Hinundayan, Southern Leyte 2 . Rural Bank of Maasin (So. Leyte), Inc. Barangay Tunga-Tunga, Maasin, Southern Leyte 3 . Rural Bank of Malitbog (Southern Leyte), Inc. Poblacion, Malitbog, Southern Leyte 4 . Rural Bank of San Juan (Southern Leyte), Inc. Poblacion, San Juan, Southern Leyte

REGION IX - ZAMBOANGA PENINSULA

Zamboanga del Norte

1 . Banco Dipolog, Inc. A Rural Bank 083 Rizal Ave. Cor. Calibo St., Dipolog City, 7100 Zamboanga Del 2 . Community Rural Bank of Dapitan City, IncorporatedNorte Andres Bonifacio St., Dapitan City 7101 Zamboanga del Norte 3 . Katipunan Bank Inc. A Rural Bank Quezon Avenue, cor. Aguilar St., Miputak, Dipolog City, 7100 Zamboanga del Norte 4 . Rural Bank of Labason (Zamboanga Del Norte), 7117 Rizal Avenue, Labason, Zamboanga del Norte Incorporated 5 . Rural Bank of Liloy (Zamboanga Del Norte), Inc. Liloy, Zamboanga del Norte 6 . Rural Bank of Manukan (Zamboanga Del Norte), Inc. Poblacion, Manukan, Zamboanga del Norte 7 . Rural Bank of Rizal (Zamboanga Del Norte), Inc. RBR Tower, Rizal Avenue Cor. Gonzales St., Dipolog City, Zamboanga del Norte 8 . Rural Bank of Salug (Zamboanga Del Norte), Inc. Salug, Zamboanga del Norte 9 . Zamboanga Del Norte Cooperative Bank Quezon Avenue, Barangay Miputak, Dipolog City, Zamboanga Del Norte

Zamboanga del Sur

1 . Banco Cooperativa De Zamboanga MCLL Highway corner Veterans Avenue, Sta. Cruz, Zamboanga 2 . Rural Bank of Pagadian, Inc. CityBallesteros Bldg. Gov. V. Cerilles St., Barangay San Francisco, Pagadian, Zamboanga Del Sur 3 . Rural Bank of Siocon (Zamboanga Del Norte), Inc. RBS Building, MCLL Highway, Guiwan, Zamboanga City 4 . Salug Valley Rural Bank, Inc. 1st Floor Carisil Bldg., MabiniI St., Barangay Maloloy-on, Molave, Zamboanga Del Sur 5 . Zamboanga City Rural Bank, Inc. NZUEI Bldg. La Purisima St. Corner Tomas Claudio St., Zamboanga City

REGION X - NORTHERN MINDANAO

Bukidnon

1 . Bukidnon Bank, Inc. (A Rural Bank) Poblacion, Kalilangan, Bukidnon 2 . D' Asian Hills Bank, Inc. (A Rural Bank) 2/F DAHBI Centre, Fortich St., Malaybalay City, 8700 Bukidnon 3 . Malaybalay Rural Bank, Inc. Judge P. Murillo St., 8700 Malaybalay City , Bukidnon 4 . Rural Bank of Kibawe (Bukidnon), Inc. Kibawe, Bukidnon 5 . Rural Bank of Manolo Fortich, Bukidnon, Inc. Poblacion, Sayre Highway, Manolo Fortich, 8703 Bukidnon

Source: Supervisory Data Center, Financial Supervision Sector

III. 16 1.c Rural and Cooperative Banks

Name of Bank Address

Lanao del Norte

1 . Rural Bank of Karomatan (Lanao Del Norte), Inc. Crossing Poblacion, Tubod, Lanao del Norte 2 . Rural Bank of Maigo (Lanao Del Norte), Incorporated Maigo, Lanao del Norte

Misamis Occidental

1 . Bank of Hope, Inc. (A Rural Bank) Purok 5, Looc Proper, Plaridel, Misamis Occidental 7209 2 . Misamis Bank, Inc. A Rural Bank National Highway, Sebac, Tudela 7202 Misamis Occidental 3 . Panguil Bay Rural Bank of Ozamiz, Inc. Ozamis City, Misamis Occidental 4 . Rural Bank of Bonifacio (Misamis Occidental), Inc. Bonifacio, Misamis Occidental 5 . Rural Bank of Jimenez (Misamis Occidental), Inc. Rizal Street, Jimenez 7204 Misamis Occidental 6 . Rural Bank of Lopez Jaena (Misamis Occidental), Inc. Eastern Poblacion, Lopez Jaena, Misamis Occidental 7 . Rural Bank of Pana-On (Mis. Occ.), Inc. Poblacion, Pana-on, Misamis Occidental 8 . Rural Bank of Tangub City, (Mis. Occ.) Inc. Lorenzo Tan St., Barangay I, Tangub City, Misamis Occidental

Misamis Oriental

1 . BINHI Rural Bank, Inc. (Formerly: Rural Bank of Balingasag Poblacion, Balingasag, Misamis Oriental (Misamis Oriental), Inc.) 2 . Mindanao Consolidated Cooperative Bank MCCB Bldg., Provincial Capitol Compound, 9000 Cagayan de Oro City 3 . Naawan Community Rural Bank (Misamis Oriental), Inc. National Highway, Poblacion, Naawan, 9023 Misamis Oriental

4 . Palm Tree Bank, Inc. (A Rural Bank) Door #5 Global Agro Building, Kolambog, Lapasan Highway, Cagayan de Oro City 9000 5 . RBT Bank, Inc., A Rural Bank Rizal St., Poblacion, Talisayan, 9012 Misamis Oriental 6 . Rural Bank of El Salvador (Misamis Oriental), Inc. Zone 1, Poblacion, El Salvador, Misamis Oriental 9017 7 . Rural Bank of Gingoog, Inc. Lupod-Guno Sts., Gingoog, 9014 Misamis Oriental 8 . Rural Bank of Gitagum (Misamis Oriental), Inc. Poblacion, Gitagum, Misamis Oriental 9 . Rural Bank of Initao (Misamis Oriental), Inc. Poblacion, Initao, 9022 Misamis Oriental 10 . Rural Bank of Medina (Misamis Oriental), Inc. Poblacion, Medina, Misamis Oriental 11 . Secured Bank, Inc. (A Rural Bank) Capt. Vicente Roa St., Cogon, Cagayan de Oro City 12 . South Bank (A Rural Bank), Incorporated Rodelsa Hall, R.N. Pelaez Blvd., Kauswagan, Cagayan de Oro City

REGION XI - DAVAO REGION

Compostela Valley

1 . Money Mall Rural Bank, Inc. 8807 Poblacion Mabini, Compostela Valley Province 2 . Rural Bank of Compostela (Davao Del Norte), Inc. J.P. Laurel St., Poblacion, Compostela, Compostela Valley 3 . Rural Bank of Nabunturan (Davao Del Norte), Inc. Purok-10, Echavez St., Poblacion, Nabunturan, Compostela Valley

Davao del Norte

1 . Century Rural Bank, Inc. CRBI Building, Zone 1, Bgy. Villarica, Babak District, Island Garden City of Samal, 8119 Davao del Norte 2 . First Tagum Rural Bank, Inc. Bonifacio cor. Rizal Sts., Tagum City, Davao del Norte 8100 3 . Rural Bank of Kapalong (Davao), Inc. 054 M. Quezon St., Maniki, Kapalong, Davao del Norte

Source: Supervisory Data Center, Financial Supervision Sector

III. 17 1.c Rural and Cooperative Banks

Name of Bank Address

Davao del Sur

1 . Consolidated Cooperative Bank CBDS Building, Ramon Magsaysay Street Barangay Zone 3, Digos City, Davao del Sur 2 . East West Rural Bank, Inc. 3rd and 4th floors, East West Bank Building, J. P. Laurel Avenue Corner Iñigo Street, Bajada, Davao City 8000 3 . One Network Bank, Inc. (A Rural Bank) Km. 9 Sasa, Davao City 8000 4 . Rural Bank of Digos, Inc. 2964 Rizal Avenue, Barangay Zone III, Digos City, Davao Del Sur

Davao Oriental

1 . Baybank, Inc. (A Rural Bank) Baganga, Davao Oriental 8204 2 . Rural Bank of Mati, Inc. Mati, Davao Oriental 8200

REGION XII - SOCCSKSARGEN

North Cotabato

1 . Cooperative Bank of Cotabato CBC Bldg. 1, Lanao, Kidapawan City, North Cotabato 9400 2 . Partner Rural Bank (Cotabato), Inc. J.P. Laurel St., Poblacion 2, Pigcawayan, 9412 North Cotabato

3 . Rural Bank of Midsayap, Inc. Quezon Ave., Midsayap, North Cotabato

Sarangani

1 . Rural Bank of Alabel (Sarangani), Inc. Aldevinco St., Alabel, Sarangani 9501 2 . Rural Bank of Kiamba (Sarangani), Inc. St. Anthony Corner Sampaguita St., Poblacion, Kiamba, Sarangani

South Cotabato

1 . People's Rural Bank (Gen. Santos City), Inc. Plaza Nova, I.Santiago Blvd., Gen. Santos City, South Cotabato 2 . Rural Bank of Norala (S. Cotabato), Inc. Stall #351, Phase B, Public Market, Manuel Roxas Ave. Cor. Jose Burgos St., Poblacion, Norala, South Cotabato 3 . Rural Bank of Polomolok (South Cotabato), Inc. National Highway, Brgy. Magsaysay, Polomolok, South Cotabato

Sultan Kudarat

1 . Rural Bank of Lebak (Sultan Kudarat), Incorporated Poblacion I, Lebak, Sultan Kudarat 2 . Rural Bank of President Quirino (Sultan Kudarat), Inc. Ramos Bldg., National Highway, Brgy. Poblacion, Pres. Quirino, 9804 Sultan Kudarat

Source: Supervisory Data Center, Financial Supervision Sector

III. 18 1.c Rural and Cooperative Banks

Name of Bank Address

ARMM - AUTONOMOUS REGION OF MUSLIM MINDANAO

Lanao del Sur

1 . Bagong Bangko Rural Ng Malabang (Lanao Del Sur), Inc. 593 Bayan St., Chinatown, Malabang, Lanao Del Sur

Maguindanao

1 . Rural Bank of Datu Paglas, Inc. Poblacion, Datu Paglas, Maguindanao 9617

CARAGA ADMINISTRATIVE REGION

Agusan del Norte

1 . Butuan City Rural Bank, Inc. A. D. Curato St., Butuan City, Agusan del Norte

Agusan del Sur

1 . Peoples Bank Of Caraga, Inc. (A Rural Bank) National Highway Barangay 5, San Francisco, Agusan del Sur

Dinagat Islands

1 . Rural Bank of Loreto (Surigao Del Norte), Inc. Purok 1, San Juan, San Jose, Province of Dinagat Islands

Surigao del Norte

1 . Rural Bank of Placer (Surigao del Norte), Inc. Km. 1, National Highway, Surigao City, Surigao Del Norte

Surigao del Sur

1 . Bangko Carrascal, Inc. (A Rural Bank) Arreza cor Cervantes St Embarcadero, Carrascal Surigao del Sur 2 . Cantilan Bank, Inc. (A Rural Bank) Orozco St., Magosilom, Cantilan, Surigao del Sur 8317 3 . Rural Bank of Lanuza (Surigao Del Sur), Incorporated Urbiztondo corner Arreza St., Magosilom, Cantilan, 8317 Surigao del Sur 4 . Rural Bank of Tandag (Surigao Del Sur), Inc. National Highway, Bagong Lungsod, Tandag City Surigao del Sur 8300

Source: Supervisory Data Center, Financial Supervision Sector

III. 19 Table 2 Overseas Offices of Universal and Commercial Banks As of December 31, 2017 Name of Bank Address Date Opened I. Branches (13) Universal Banks

1 BDO UNIBANK INC -HONGKONG 1 WELLINGTON STREET CENTRAL HONGKONG 05-31-2007 2 METROPOLITAN BANK & TCO -NEW YORK 10 EAST 53RD ST NEW YORK NY 10022 11-20-1981 3 METROPOLITAN BANK & TCO -PUSAN CHORYANG 1DONG DONG-GU PUSAN KOREA 12-15-1999 4 METROPOLITAN BANK & TCO -SEOUL 120 5-KA NANDAEMUN-RO SEOUL KOREA 04-10-1997 5 METROPOLITAN BANK & TCO -TAIPEI TAIWAN 10690 REPUBLIC OF CHINA 09-30-1970 6 METROPOLITAN BANK & TCO -TOKYO 1-19-1 KANDA NISHIKI-CHO CHIYODA-KU 03-28-1996 7 PHIL NATIONAL BANK -BAHRAIN BAHRAIN TOWER MANAWA STREET OF BAHRAIN 02-09-2013 8 PHIL NATIONAL BANK -GUAM 1088 W MARINE CORPS DR DEDEDO GUAM 02-09-2013 9 PHIL NATIONAL BANK -HONGKONG 109-111 GLOUCESTER WANCHAI HONGKONG 12-02-1963 10 PHIL NATIONAL BANK -JAPAN MITA43MT MITA MINATO-KU TOKYO JAPAN 06-30-1996 11 PHIL NATIONAL BANK -LOS ANGELES 316 W 2 nd STREET 7F LOS ANGELES CALIFORNIA 04-16-1982 12 PHIL NATIONAL BANK -NEW YORK 561 SEVENTH AV 2F NEW YORK NY 10018 02-17-1917 13 PHIL NATIONAL BANK -SINGAPORE 304 ORCHARD ROAD LUCKY PLZA SINGAPORE 04-19-1968

II. Sub-Branches (1)

1 PHIL NATIONAL BANK -NAGOYA NAKA-KU NAGOYA-SHI AICHI-KEN JAPAN 05-19-2003

III. Representative Offices (16)

Universal Banks

1 BANK OF THE PHIL ISLANDS-DUBAI AL MANKHOOL RD AL HUDAIBA DUBAI UAE 09-15-2011 2 BANK OF THE PHIL ISLANDS-JAPAN 2-6 NISHISHINJUKU 7-CHOME TOKYO JAPAN 06-15-2014 3 BDO UNIBANK INC -ISRAEL 2 KAUFMAN ST TEL AVIV ISRAEL 05-31-2007 4 BDO UNIBANK INC -PARIS 116 BIS AVE CHAMPS ELYSEES PARIS 05-31-2007 5 BDO UNIBANK INC -SINGAPORE U27-63 ONES RAFFLES PLACE SINGAPORE 07-04-2012 6 BDO UNIBANK INC -TAIWAN 25 TUN HWA SOUTH RD SEC 1 TAIPEI 05-31-2007 7 BDO UNIBANK INC -DIFC REPRESENTATIVE OFFICE DIFC DUBAI UNITED ARAB EMERATES 01-19-2015 8 BDO UNIBANK INC -KOREA REPRESENTATIVE OFFICE 23F SFC 84 1 GA CHUNG GU SEOUL SK 07-30-2014 9 BDO UNIBANK INC -BEIJING REPRESENTATIVE OFFICE BEIJING CHINA 12-14-2015 10 LAND BANK OF THE PHILS -TOKYO TOKYO JAPAN 10-12-1995 11 METROPOLITAN BANK & TCO -BEIJING BEIJING PROC 06-14-1994 12 METROPOLITAN BANK & TCO -HONGKONG NEW WORLD TOWER 16-18 QUEENS ROAD 09-05-1973 HONGKONG 13 PHIL NATIONAL BANK -DUBAI RO ZAABEEL ROAD KARAMA 14402 DUBAI UAE 07-22-1995 14 PHIL NATIONAL BANK -GERMANY HOHENSTAUFERALLEE 39 LEIMEN GERMANY 02-09-2013 15 PHIL NATIONAL BANK -PARIS RO 165 AVENUE VICTOR HUGO 75016 PARIS 04-08-1992 16 PHIL NATIONAL BANK -ROME PIAZZA INDEPENDENZA ROME ITALY 06-04-1992

Source: Supervisory Data Center, Financial Supervision Sector

III. 20 Table 2 Overseas Offices of Universal and Commercial Banks As of December 31, 2017 Name of Bank Address Date Opened

IV. Extension Offices (2)

1 METROPOLITAN BANK & TCO -OSAKA 3F 2-3-13 AZUCHI-MACHI OSAKA JAPAN 12-12-1991 2 PHIL NATIONAL BANK -QUEENS(NY) 69-18 ROOSEVELT AVE WOODSIDE NY 01-17-1991

V. Remittance Desk Office (14) 1 PHIL NATIONAL BANK -AL KHOBAR ARAB KING FAISAL STREET AL KHOBAR 11-14-1993 NATIONAL BANK (ANB) 2 PHIL NATIONAL BANK -AQARIA(ANB) AKARIA TELEMONEY CENTER OLAYA RIYADH 10-01-1999 3 PHIL NATIONAL BANK -JEDDAH-BALAD (ANB) CORNICHE BALAD DISTRICT JEDDAH SAUDI 11-14-1993 4 PHIL NATIONAL BANK -JUBAIL(ANB) JEDDAH STREET ACROSS RIYAD BANK JUBAIL 01-25-1997 5 PHIL NATIONAL BANK -KINGDOM OF SAUDI SETEEN STREET AL MALAZ RIYADH 02-01-2010 ARABIA REMITTANCE DESK 6 PHIL NATIONAL BANK -QATAR REMITTANCE DESK GRAND HAMMAD AVE DOHA QATAR 08-01-2004 7 PHIL NATIONAL BANK -RAWDAH-JED(ANB) PRINCE SULTAN JEDDAH SAUDI ARABIA 05-01-2009 8 PHIL NATIONAL BANK -RIYADH(RIYADH TAHWEEL RIYADH TAHWEEL AL RAJHI 08-01-2012 AL RAJHI BANK) 9 PHIL NATIONAL BANK -RIYADH-BATHA-DESK OFFICE RIYADH TRADING CENTER BATHA SAUDI ARABIA 11-14-1993 OF MARKETING OFFICER AL ABDUL

10 PHIL NATIONAL BANK -RIYADH-MAIN-DESK OFFICE OF ARAB NATL BANK 3F BELT 7 RIYADH 12-31-1983 COUNTRY HEAD (ANB) 11 PHIL NATIONAL BANK -TABUK(ANB) SHARE AL AMN NEAR GOV BASHEER TABUK 03-04-1998 12 PHIL NATIONAL BANK -UNITED ARAB EMIRATES (DUBAI) KHALID BIN WALID ROAD DUBAI UAE 02-01-2006 REMITTANCE DESK 13 PHIL NATIONAL BANK -UNITED ARAB EMIRATES(ABU AL ANSARI EXCHANGE LEEWA ABU DHABI 07-01-1992 DHABI)REMITTANCE DESK 14 PHIL NATIONAL BANK -YANBU(ANB) KHAIR BALADI INT MARKET YANBU SAUDI 01-01-1998

VI. Limited Purpose Branch (1) 1 PHIL NATIONAL BANK -REMITTANCE CENTER 03-68 LUCKY PLAZA SC SINGAPORE 04-24-2005 (LUCKY PLAZA)

VII. Marketing Office (2) 1 PHIL NATIONAL BANK -KUWAIT NOUMAN BIN BASHER DAMASCUS SAFAT KU 10-01-1991 2 PHIL NATIONAL BANK -QATAR ALZAMAN EXCH MANSOURA AL MEERA DOHA 03-01-2011

Source: Supervisory Data Center, Financial Supervision Sector

III. 21 Table 3 Offshore Banking Units As of December 31, 2017

Name of Offshore Banking Unit Address

1 . BNP Paribas 32nd Floor, Philamlife Tower, 8767 Paseo de Roxas, Makati City 1118

2 . J.P. Morgan International Finance, 30th Floor, Zuellig Building, Makati Avenue Limited Corner Paseo de Roxas, Makati City

3 . Taiwan Cooperative Bank 26th Floor, Citibank Tower, 8741 Paseo de Roxas, Makati City

Source: Supervisory Data Center, Financial Supervision Sector

III. 22 Table 4 Banking Industry Associations As of December 31, 2017

Name of Industry Address

1 . BANKERS ASSOCIATION OF THE PHILIPPINES 11 th FLOOR SAGITTARIUS BUILDING H.V. DELA COSTA STREET SALCEDO VILLAGE MAKATI CITY

2 . CHAMBER OF THRIFT BANKS UNIT 619 CITYLAND 10 CONDOMINIUM TOWER I H.V. DELA COSTA SALCEDO VILLAGE MAKATI CITY

3 . RURAL BANKERS ASSOCIATION OF THE PHILIPPINES 2nd FLOOR RBAP BUILDING A. SORIANO JR. AVENUE CORNER ARZOBISPO STREET INTRAMUROS MANILA

4 . TRUST OFFICERS ASSOCIATION OF THE PHILIPPINES 12 th FLOOR UNIT 1218 CITYLAND 10 TOWER II H.V. DELA COSTA STREET CORNER VALERO STREET MAKATI CITY

Source: Supervisory Data Center, Financial Supervision Sector

III. 23