Financial Supervision Sector Department of Supervisory Analytics
FFAACCTTBBOOOOKK The Philippine Banking System
2019 VOLUME I TABLE OF CONTENTS (2019 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 (2010 – 2019) …………………………………………… II. 1 b. Number of Offices by Type and Location (as of 31 December 2019) ……………………………. II. 2 c. Number of Automated Teller Machines (2010 – 2019) ………………………………………………. II. 5 d. Changes in the Philippine Banking Network (for the year 2019) …………………………………… II. 6
2. Balance Sheet (2015 – 2019) The Philippine Banking System ……………….…………………………………………………………………. II. 7 a. Universal and Commercial Banks ………………………………………………………………………... II. 8 i. Classified by Nature of Operation a. Universal Banks …………………………………………………………………………………… II. 9 b. Commercial Banks ……………………………………………………………………………… II. 10 ii. Classified by Ownership a. Private Domestic Banks ………………………………………………………………………… II. 11 b. Government Banks ……………………………………………………………………………… II. 12 c. Foreign Bank Branches …………………………………………………………………………. II. 13 d. Foreign Bank Subsidiaries ………………………………………………………………………. II. 14 b. Thrift Banks …………………………………………………………………………………………………….. II. 15 c. Rural and Cooperative Banks …………………………………………………………………………….. II. 16
3. Published Balance Sheet (as of 31 December 2019) Universal, Commercial and Thrift Banks ………………………...…………………………………………….. II. 17 a. Universal and Commercial Banks ………………………………………………………………………… II. 19 b. Thrift Banks …………………………………………………………………………………………………….. II. 49
4. Income Statement (2015 – 2019) The Philippine Banking System ………………. ………………………………………………………………… II. 75 a. Universal and Commercial Banks ………………………………………………………………………... II. 76 i. Classified by Nature of Operations a. Universal Banks …………………………………………………………………………………... II. 77 b. Commercial Banks ……………………………………………………………………………… II. 78 ii. Classified by Ownership a. Private Domestic Banks ………………………………………………………………………... II. 79 b. Government Banks ……………………………………………………………………………... II. 80 c. Foreign Bank Branches ………………………………………………………………………… II. 81 d. Foreign Bank Subsidiaries ……………………………………………………………………… II. 82 b. Thrift Banks ……………………………………………………………………………………………………. II. 83 c. Rural and Cooperative Banks …………………………………………………………………………….. II. 84
5. Summary Report on Compliance with Agri-Agra Reform Credit (2015 – 2019) The Philippine Banking System ………………. ………………………………………………………………… II. 85 a. Universal and Commercial Banks ………………………………………………………………………... II. 86 b. Thrift Banks ……………………………………………………………………………………………………. II. 87 c. Rural and Cooperative Banks …………………………………………………………………………….. II. 88
TABLE OF CONTENTS (2019 Fact Book – Vol. 1)
6. Summary Report on Compliance with Small and Medium Enterprise Credit (2015-2019) The Philippine Banking System ………………..………………………………………………………………… II. 89 a. Universal and Commercial Banks ...……………………………………………………………………... II. 90 b. Thrift Banks ……………………………………………………………………………………………………. II. 91 c. Rural and Cooperative Banks ……………………………………………………………………………. II. 92
7. Philippine Foreign Currency Deposit System Balance Sheet (2015-2019) The Philippine Banking System ………………..………………………………………………………………… II. 93 a. Universal and Commercial Banks ………………………………………………………………………... II. 94 b. Thrift Banks …………………………………………………………………………………………………….. II. 95
8. Trust and Fund Management Operations (2017-2019) The Philippine Banking System ………………...……………………………….……………………………….. II. 96 a. Universal and Commercial Banks ………………………………………………………………………... II. 97 b. Thrift Banks …………………………………………………………………………………………………….. II. 98
Part III. Directory of the Philippine Banking System
1. Directory of Head Offices of the Banking System (as of December 31, 2019) 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, 2019) …………………. III. 20
3. Offshore Banking Units (as of December 31, 2019) ………………………………………………………… III. 22
4. Banking Industry Associations (as of December 31, 2019) ………………………………………………… 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 12,870 547 12,273 50
Increase/(Decrease) 2019 2018 Amount Percent (%) B. Balance Sheet Accounts (in P Billion) Total Assets 18,338 16,916 1,422 8.41 Cash and Due from banks 2,804 2,605 199 7.64 Financial Assets, gross (net of amortization) 3,734 3,464 270 7.79 Accumulated Market Gains/Losses 23 -12 35 (284.69) Allowance for Credit Losses 18 18 0 1.84 Financial Assets, net 3,739 3,434 305 8.87 2/ Loans, gross 10,966 10,078 888 8.81 Allowance for probable losses 208 187 20 10.89 Loans, net (inclusive of Interbank Loans) 10,759 9,891 868 8.77 Equity Investments, gross 305 298 7 2.36 Allowance for probable losses 4 1 3 365.31 Equity Investments, net 302 297 4 1.39 Real and Other Properties Acquired, net 97 97 0 0.11 Other assets 638 592 46 7.85 Total Liabilities and Capital Accounts 18,338 16,916 1,422 8.41
Total Liabilities 16,020 14,848 1,172 7.89 Financial Liabilities Held for Trading 35 40 -5 (12.37) Financial Liabilities Designated at Fair Value through Profit or Loss 0 0 0 Deposit Liabilities 13,669 12,764 905 7.09 Bills Payable 867 936 -69 (7.35) Special Financing 0 0 -0 (3.48) Unsecured Subordinated Debt 48 87 -39 (44.80) Redeemable Preferred Shares 0 1 -1 (66.66) Other liabilities 1,400 1,893 -494 (26.08)
Capital Accounts 2,319 2,068 251 12.12 Capital Stock 998 964 34 3.54 Assigned Capital 143 112 31 27.94 Other Equity Instruments 12 12 0 0.00 3/ Retained Earnings & Undivided Profits 1,123 941 183 19.40 Accumulated Earnings 42 39 3 6.59
C. Income Statement Accounts (in P Billion)
Net Profit or Loss 231 180 51 28.35 Total Operating Income 796 668 128 19.18 Net Interest Income 605 516 90 17.38 Interest Income 886 708 178 25.14 Less: Interest Expense 281 191 89 46.80 Provision for Losses on Accrued Interest 0 1 -1 (78.35) Income from Financial Assets Non Interest Expense 483 432 51 11.78 Losses/Recoveries on Financial Assets -51 -32 -19 60.26 Net Profit Before Share in the Profit/(Loss) of 262 204 58 28.44 Unconsolidated Subsidiaries, Associates and Joint Ventures Accounted for Using the Equity Method Share in the Profit/(Loss) of Unconsolidated Subsidiaries, 25 23 3 12.65 Associates and Joint Ventures Accounted for Using the Equity Method Total Profit/Loss Before Tax and Before Minority Interest 287 226 61 26.87 Income Tax Expense 57 47 10 21.17 Total Profit/Loss After Tax and Before Minority Interest 231 180 51 28.35 D. Selected Ratios (%) Return on Average Assets 1.31 1.12 Return on Average Equity 10.52 9.40
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: Department of Supervisory Analytics, 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 2010 - 2019
Type of Bank 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
Banking System 8,877 9,050 9,410 9,935 10,361 10,756 11,178 11,793 11,802 12,870
Head Offices 758 726 696 673 648 632 602 587 547 547
Branches/ Other Offices 8,119 8,324 8,714 9,262 9,713 10,124 10,576 11,206 11,255 12,323
I. Universal and Commercial Banks 4,681 4,857 5,145 5,461 5,833 6,060 6,237 6,483 6,080 6,915
Head Offices 38 38 37 36 36 40 42 43 21 46
Branches/ Other Offices 4,643 4,819 5,108 5,425 5,797 6,020 6,195 6,440 6,059 6,869
A. Universal Banks 4,121 4,207 4,622 5,010 5,336 5,540 5,709 5,935 6,080 6,342
Head Offices 19 20 21 21 21 21 21 21 21 21
Branches/ Other Offices 4,102 4,187 4,601 4,989 5,315 5,519 5,688 5,914 6,059 6,321
Private Domestic Banks 3,674 3,743 4,147 4,523 4,827 5,001 5,138 5,331 5,463 5,710
Head Offices 11 11 12 12 12 12 12 12 12 12
Branches/ Other Offices 3,663 3,732 4,135 4,511 4,815 4,989 5,126 5,319 5,451 5,698
Foreign Bank Branches 17 17 17 17 17 15 12 12 12 12
Head Offices 5 6 6 6 6 6 6 6 6 6
Branches/ Other Offices 12 11 11 11 11 9 6 6 6 6
Government Banks 430 447 458 470 492 524 559 592 605 620
Head Offices 3 3 3 3 3 3 3 3 3 3
Branches/ Other Offices 427 444 455 467 489 521 556 589 602 617
B . Commercial Banks 560 650 523 451 497 520 528 548 562 573
Head Offices 19 18 16 15 15 19 21 22 24 25
Branches/ Other Offices 541 632 507 436 482 501 507 526 538 548
Private Domestic Banks 472 561 432 337 373 399 407 423 442 452
Head Offices 8 8 6 5 5 5 5 5 5 5
Branches/ Other Offices 464 553 426 332 368 394 402 418 437 447
Foreign Bank Subsidiaries 74 76 78 100 103 103 104 105 99 99
Head Offices 2 2 2 2 2 2 2 2 2 2
Branches/ Other Offices 72 74 76 98 101 101 102 103 97 97
Foreign Bank Branches 14 13 13 14 21 18 17 20 21 22
Head Offices 9 8 8 8 8 12 14 15 17 18
Branches/ Other Offices 5 5 5 6 13 6 3 5 4 4
II. Thrift Banks 1,418 1,491 1,619 1,828 1,920 2,086 2,176 2,417 2,657 2,683
Head Offices 73 71 70 71 69 68 60 55 54 50
Branches/ Other Offices 1,345 1,420 1,549 1,757 1,851 2,018 2,116 2,362 2,603 2,633
III. Rural and Cooperative Banks 2,778 2,702 2,646 2,646 2,608 2,610 2,765 2,893 3,065 3,272
Head Offices 647 617 589 566 543 524 500 489 472 451
Branches/ Other Offices 2,131 2,085 2,057 2,080 2,065 2,086 2,265 2,404 2,593 2,821
Source: Department of Supervisory Analytics, Financial Supervision Sector
II. 1 Table 1.b NUMBER OF BRANCHES AND OTHER OFFICES BY TYPE OF LOCATION As of December 31, 2019
Branches and Other Offices 1/ Type of Bank T O T A L Metro Manila Countryside Overseas Total 12,323 3,747 8,526 50
I. Universal and Commercial Banks 6,869 3,133 3,686 50
A. Universal Banks 6,321 2,892 3,379 50
Private Domestic Banks 5,698352 2,774352 2,875 49 1 ASIA UNITED BANK CORPORATION 227 120 107 2 BANK OF THE PHIL ISLANDS 706 359 345 2 3 BDO UNIBANK INC 1,254 625 621 8 4 CHINA BANKING CORP 472 253 219 5 EAST WEST BANKING CORP 391 211 180 6 METROPOLITAN BANK & TCO 715 306 401 8 7 PHIL NATIONAL BANK 677 252 394 31 8 PHIL TRUST COMPANY 61 40 21 9 RIZAL COMM'L BANKING CORP 489 199 290 10 SECURITY BANK CORP 309 177 132 11 UNION BANK OF THE PHILS 210 136 74 12 UNITEDUNION COCONUTBANK OF THE PLANTERS PHILS BANK 187 96 91 Foreign Bank Branches 6 4 2
1 AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED 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 617 114 502 1
1 AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS 8 1 7 2 DEVELOPMENT BANK OF THE PHIL 140 19 121 3 LAND BANK OF THE PHILIPPINES 469 94 374 1
B . Commercial Banks 548 241 307
Private Domestic Banks 447 197 250
1 BANK OF COMMERCE 139 61 78 2 BDO PRIVATE BANK, INC. 7 5 2 3 PHIL BANK OF COMMUNICATIONS 92 48 44 4 PHILIPPINE VETERANS BANK 59 14 45 5 ROBINSONS BANK CORPORATION 150 69 81
Foreign Bank Subsidiaries 97 41 56
1 CTBC BANK (PHILIPPINES) CORP 24 13 11 2 MAYBANK PHILIPPINES INCORPORATED 73 28 45
Foreign Bank Branches 4 3 1
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 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: Department of Supervisory Analytics, Financial Supervision Sector
II. 2 Table 1.b NUMBER OF BRANCHES AND OTHER OFFICES BY TYPE OF LOCATION As of December 31, 2019
Branches and Other Offices 1/
Type of Bank T O T A L Metro Manila Countryside
II. Thrift Banks 2,633 529 2,104
1 1ST VALLEY BANK INC A DEVELOPMENT BANK 52 52 2 ALLBANK (A THRIFT BANK) INC 16 3 13 3 BANGKO KABAYAN INC (A PRIVATE DEVELOPMENT BANK) 23 23 4 BANK OF MAKATI (A SAVINGS BANK) INC 101 22 79 5 BANK ONE SAVINGS CORPORATION 6 6 6 BATAAN DEVELOPMENT BANK 6 6 7 BPI DIRECT BANKO INC A SAVINGS BANK 300 3 297 8 BPI FAMILY SAVINGS BANK INC 176 98 78 9 BUSINESS AND CONSUMERS BANK (A DB) 317 9 308 10 CARD SME BANK INC A THRIFT BANK 7 3 4 11 CENTURY SAVINGS BANK CORPORATION 162 79 83 12 CHINA BANK SAVINGS INC 231 24 207 13 CITY SAVINGS BANK INC 29 18 11 14 CITYSTATE SAVINGS BANK INC 2 2 15 CORDILLERA SAVINGS BANK INC 4 4 16 DUMAGUETE CITY DEV BANK INC 31 31 17 ENTERPRISE BANK INC (A THRIFT BANK) 10 3 7 18 EQUICOM SAVINGS BANK INC 7 7 19 FARMERS SAVINGS & LOAN BANK INC 133 133 20 FIRST CONSOLIDATED BANK INC (A PDB) 5 5 21 HIYAS BANKING CORPORATION 9 9 22 HSBC SAVINGS BANK(PHILS) INC 3 3 23 INTER-ASIA DEVELOPMENT BANK 2 2 24 ISLA BANK(A THRIFT BANK) INC 16 16 25 LEGAZPI SAVINGS BANK INC 2 2 26 LEMERY SAVINGS & LOAN BANK, INC. 0 27 LUZON DEVELOPMENT BANK 38 7 31 28 MALAYAN BANK SAVINGS AND MORT BANK INC 3 3 29 MARITIME SAVINGS BANK CORPORATION 20 8 12 30 MAXIMUM SAVINGS BANK INC 3 3 31 MERCHANTS SAVINGS & LOAN ASSN INC 2 2 32 METRO CEBU PUBLIC SAVINGS BANK 29 6 23 33 NORTHPOINT DEV'T BANK INC 0 34 OVERSEAS FILIPINO BANK INC A SAVINGS BANK OF LANDBANK 0 35 PAMPANGA DEVELOPMENT BANK 3 3 36 PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) 32 32 37 PHIL SAVINGS BANK 249 112 137 38 PHILIPPINE BUSINESS BANK INC A SAVINGS BANK 0 39 PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS BANK) 162 58 104 40 PNB SAVINGS BANK 67 16 51 41 PRODUCERS SAVINGS BANK CORPORATION 192 5 187 42 QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK 15 1 14 43 RCBC SAVINGS BANK INC 0 44 STERLING BANK OF ASIA INC (A SAVINGS BANK) 22 22 45 SUN SAVINGS BANK INC 46 27 19 46 THE PALAWAN BANK (PALAWAN DB) INC 6 6 47 UCPB SAVINGS BANK 63 4 59
1/ Excluding Head Offices Source: Department of Supervisory Analytics, Financial Supervision Sector
II. 3 Table 1.b NUMBER OF BRANCHES AND OTHER OFFICES BY TYPE OF LOCATION As of December 31, 2019
Branches and Other Offices 1/
Type of Bank T O T A L Metro Manila Countryside 48 UNIVERSITY SAVINGS BANK INC 4 2 2 49 WEALTH DEVELOPMENT BANK CORPORATION 25 4 21 50 YUANTA SAVINGS BANK PHILIPPINES INC 2 2
III. Rural and Cooperative Banks 2,821 85 2,736
A. Rural Banks 2,685 85 2,600 B. Cooperative Banks 136 136
1/ Excluding Head Offices
Source: Department of Supervisory Analytics, Financial Supervision Sector
II. 4 Table 1.c NUMBER OF AUTOMATED TELLER MACHINES The Philippine Banking System 2010- 2019
Name of Bank 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
Total 9,370 10,659 12,225 14,530 15,695 17,317 19,084 20,279 20,967 21,780
On-site 6,165 6,608 7,282 8,477 9,064 9,751 10,722 11,279 11,724 11,989 Off-site 3,205 4,051 4,943 6,053 6,631 7,566 8,362 9,000 9,243 9,791
A. Universal and Commercial Banks 8,072 9,197 10,510 12,451 13,336 14,739 16,357 17,453 18,419 19,275
On-site 5,217 5,574 6,130 7,069 7,474 8,033 8,854 9,353 9,714 10,057 Off-site 2,855 3,623 4,380 5,382 5,862 6,706 7,503 8,100 8,705 9,218
B. Thrift Banks 1151 1229 1471 1,740 1,880 2,090 2,173 2,239 1,969 1,893
On-site 819 835 944 1118 1,169 1,296 1,381 1,424 1,502 1,387 Off-site 332 394 527 622 711 794 792 815 467 506
C. Rural and Cooperative Banks 147 233 244 339 479 488 554 587 579 612
On-site 129 199 208 290 421 422 487 502 508 545 Off-site 18 34 36 49 58 66 67 85 71 67
Source: Department of Supervisory Analytics, Financial Supervision Sector
II. 5 Table 1.d CHANGES IN THE PHILIPPINE BANKING NETWORK For the Year 2019
I. NEW BANKS
Name of Bank Address Date Opened
NONE
II. MERGERS/ACQUISITIONS/CONSOLIDATIONS Bank/NBFI Surviving/Acquiring Bank Bank Category Absorbed Bank(s) Effectivity Date Category
City Savings Bank, Inc. Thrift Bank Philippine Resources Savings Banking Corporation Thrift Bank 28-Feb-19
Producers Savings Bank Corporation Thrift Bank Rural Bank of Pamplona (Camarines Sur), Inc. Rural Bank 01-Jun-19 Rural Bank of President Quirino (Sultan Kudarat), Inc. Rural Bank 01-Jun-19 Bangko Rural ng Pasacao (Camarines Sur), Inc. Rural Bank 01-Jun-19 Bangko Rural ng Magarao (Camarines Sur), Inc. Rural Bank 01-Jun-19 Rural Bank of San Fernando (Camarines Sur), Inc. Rural Bank 01-Jun-19 Rural Bank of Barotac Nuevo, Inc. Rural Bank 01-Jun-19 Rural Bank of Sibalom (Antique), Inc. Rural Bank 01-Jun-19
First Imperial Business Bank, Inc. Rural Bank First Midland Rural Bank, Inc. Rural Bank 28-Jun-19 Business and Consumers Bank Thrift Bank 28-Jun-19
Philippine Business Bank, Inc.A Savings Bank Thrift Bank Insular Savers Bank, Inc. (A Rural Bank) Rural Bank 17-Jul-19
Rizal Commercial Banking Corporation Universal and RCBC Savings Bank, Inc. Thrift Bank 22-Jul-19 Commercial Bank
III. CONVERSIONS
From Bank Category To Bank Category Effectivity Date
Microfinance- Caritas Banco ng Masa, Inc. (A Microfinance- Oriented Caritas Banco ng Masa, Inc. (A Rural Bank) Rural Bank 01-Aug-19 Oriented Rural Bank) Rural Bank
Mount Makiling Rural Bank, Inc. Rural Bank Makiling Development Bank Corporation Thrift Bank 20-Sep-19
Microfinance- Advantage Bank Corp (A Microfinance Rural Bank) Oriented Advance Credit Bank (A Rural Bank), Inc. Rural Bank 09-Dec-19 Rural Bank
IV. CLOSURES
Name of Bank Date of Closure
THRIFT BANKS Palawan Bank (Palawan Development Bank), Inc. 02-May-19 Maximum Savings Bank, Inc. 07-Nov-19
RURAL AND COOPERATIVE BANKS
Bagong Bangko Rural ng Malabang (Lanao del Sur), Inc. 24-Jan-19
Rural Bank of Mabitac (Laguna), Inc. 21-Feb-19
Agricom Rural Bank, Inc. 02-May-19
Rural Bank of Basey (Samar), Inc. 16-May-19
Valiant Bank, Inc. (A Rural Bank) 16-May-19
Rural Bank of Guihulngan (Negros Oriental), Inc. 23-May-19
East Coast Rural Bank of Hagonoy, Inc. 30-May-19
Rural Bank of Larena (Siquijor), Inc. 10-Oct-19
Rural Bank of Lemery, Inc. 31-Oct-19
AMA Rural Bank of Mandaluyong, Inc. 07-Nov-19
Rural Bank of Pandi (Bulacan), Inc 31-Oct-19
Source: Department of Supervisory Analytics, Financial Supervision Sector
II. 6 Table 2 BALANCE SHEET Philippine Banking System 2015 2014 - -2019 2018 In In Million Million Pesos Pesos
2019 Accounts 2015 2016 2017 2018 3.31 6.30 9.30 12.31
TOTAL ASSETS 12,089,144 13,591,203 15,166,160 16,916,138 17,018,671 17,250,137 17,681,754 18,338,240
Cash and Due from banks 2,473,059 2,765,737 2,713,487 2,605,096 2,511,393 2,358,864 2,524,505 2,804,135
Financial Assets, gross (Net of amortization) 2,496,502 2,595,291 2,914,519 3,464,239 3,716,863 3,763,779 3,806,167 3,734,212
Accumulated Market Gains/Losses 2,508 -5,506 -9,832 -12,267 8,591 20,267 24,007 22,655 Financial Assets, gross (Net of amortization and Market Gains/Losses) 2,499,010 2,589,785 2,904,687 3,451,972 3,725,454 3,784,046 3,830,174 3,756,867
Allowance for Credit Losses 25,850 24,850 23,515 17,629 17,678 17,872 18,255 17,953
Financial Assets, gross (net of amortization and credit losses) 2,473,160 2,564,934 2,881,171 3,434,344 3,707,776 3,766,174 3,811,919 3,738,915 Loans, gross 1/ 6,527,267 7,612,119 8,865,601 10,077,929 9,989,163 10,288,556 10,564,232 10,966,112
Allowance for Probable Losses 161,646 172,826 184,251 187,124 196,974 201,421 209,070 207,507
Loans, net (inclusive of IBL) 6,365,621 7,439,293 8,681,350 9,890,805 9,792,189 10,087,135 10,355,162 10,758,604
Equity Investments, gross 225,858 241,469 254,915 298,156 306,772 314,748 301,054 305,185
Allowance for Probable Losses 1,927 2,006 1,040 789 789 798 798 3,671
Equity Investments, net 223,931 239,463 253,875 297,367 305,983 313,950 300,256 301,514
Real and Other Properties Acquired, net 93,094 91,493 92,343 96,811 92,984 91,044 90,558 96,914
Other Assets 460,277 490,283 543,933 591,715 608,345 632,969 599,354 638,158
LIABILITIES AND CAPITAL 12,089,144 13,591,203 15,166,160 16,916,138 17,018,671 17,250,137 17,681,754 18,338,240
LIABILITIES 10,685,576 12,043,112 13,409,369 14,848,041 14,875,399 15,048,636 15,426,006 16,019,593
Financial Liabilities Held for Trading 28,228 36,103 32,537 39,954 35,993 42,416 35,496 35,013
Financial Liabilities Designated at Fair 0 0 0 0 0 0 0 0
Value through Profit or Loss
Deposit Liabilities 9,231,344 10,506,562 11,726,967 12,764,135 12,695,320 12,859,135 13,125,675 13,669,469
Peso Liabilities 7,689,474 8,708,716 9,753,029 10,646,905 10,575,624 10,719,292 10,967,145 11,562,915
Demand and NOW 1,973,764 2,262,162 2,637,990 2,864,197 2,895,381 2,956,366 3,140,809 3,319,868
Savings 3,753,596 4,324,440 4,626,285 4,996,339 4,899,245 4,849,029 4,910,033 5,156,838
Time 1,847,174 1,991,076 2,294,712 2,550,369 2,547,702 2,697,586 2,692,402 2,857,295
LTNCD 114,939 131,038 194,042 236,001 233,296 216,310 223,901 228,914
Foreign Currency 1,541,870 1,797,846 1,973,938 2,117,229 2,119,695 2,139,843 2,158,530 2,106,554
Bills Payable 629,298 703,840 787,187 936,050 987,873 904,982 918,730 867,295
Deposits Substitutes 284,164 304,937 300,985 359,213 360,028 302,251 330,782 386,456
Others 345,134 398,903 486,202 576,837 627,845 602,731 587,947 480,839
Special Financing 129 67 51 6 6 7 6 6
Unsecured Subordinated Debt 113,757 89,683 86,984 86,928 86,918 70,886 47,953 47,987
Redeemable Preferred Shares 887 864 888 880 228 298 298 293
Other Liabilities 681,932 705,993 774,755 1,020,088 1,069,060 1,170,912 1,297,849 1,399,530
TOTAL CAPITAL ACCOUNTS 1,403,568 1,548,091 1,756,791 2,068,097 2,143,272 2,201,500 2,255,749 2,318,647
Capital Stock 670,121 723,771 810,546 963,998 971,496 975,835 987,712 998,123
Assigned Capital 80,605 87,825 89,925 112,088 117,799 119,938 123,648 143,406
Net Due to Head Office
Accumulated Earnings 37,640 41,585 45,765 39,176 51,065 51,619 42,678 41,759
Other Equity Instruments 17,967 12,058 12,053 12,053 12,055 12,053 12,053 12,053 Retained Earnings and Undivided Profits 2/ 597,235 682,852 798,501 940,781 990,856 1,042,055 1,089,658 1,123,306
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: Department of Supervisory Analytics, Financial Supervision Sector
II. 7 Table 2.a BALANCE BALANCE SHEET SHEET Universal Universal and and Commercial Commercial Banks Banks 2015 2014 - 2019- 2018 In In Million Million Pesos Pesos
2019 Accounts 2015 2016 2017 2018 3.31 6.30 9.30 12.31
TOTAL ASSETS 10,895,179 12,301,727 13,763,279 15,421,154 15,519,619 15,756,124 16,295,242 16,918,865
Cash and Due from banks 2,252,205 2,553,675 2,509,814 2,402,489 2,316,099 2,181,580 2,367,790 2,612,099
Financial Assets, gross (net of amortization) 2,383,205 2,475,700 2,769,329 3,300,262 3,552,436 3,602,039 3,652,261 3,587,534
Accumulated Market Gains/Losses 2,886 -4,432 -9,114 -10,241 9,470 20,549 23,825 22,379
Financial Assets, gross (net of amortization and Market Gains/Losses) 2,386,091 2,471,268 2,760,216 3,290,021 3,561,906 3,622,587 3,676,086 3,609,913
Allowance for Credit Losses 25,107 24,147 22,883 17,231 17,231 17,427 18,091 17,796
Financial Assets, gross (net of amortization and credit losses) 2,360,984 2,447,121 2,737,333 3,272,790 3,544,675 3,605,160 3,657,995 3,592,117
Loans, gross 1/ 5,719,665 6,706,312 7,867,078 9,017,780 8,918,522 9,204,615 9,552,943 9,953,964
Allowance for probable losses 129,220 135,699 145,835 148,339 158,379 162,826 171,386 170,518
Loans, net (inclusive of IBL) 5,590,445 6,570,613 7,721,243 8,869,441 8,760,143 9,041,789 9,381,557 9,783,447
Equity Investments gross 224,155 238,907 252,000 286,915 302,579 310,450 297,560 300,915
Allowance for probable losses 1,681 1,753 795 750 750 756 762 3,635
Equity Investments, net 222,474 237,155 251,206 286,165 301,829 309,693 296,798 297,280
Real and Other Properties Acquired, net 63,483 61,690 62,473 66,582 62,637 61,129 62,973 68,827
Other assets 405,587 431,475 481,210 523,687 534,236 556,771 528,129 565,096
LIABILITIES AND CAPITAL 10,895,179 12,301,727 13,763,279 15,421,154 15,519,619 15,756,124 16,295,242 16,918,865
LIABILITIES 9,656,952 10,929,301 12,198,058 13,564,460 13,599,868 13,783,615 14,255,883 14,820,541
Financial Liabilities Held for Trading 28,226 36,037 32,537 39,951 35,983 42,411 35,487 35,013
Financial Liabilities Designated at Fair 0 0 0 0 0 0 0 0 Value through Profit or Loss
Deposit Liabilities 8,295,107 9,482,804 10,614,366 11,595,959 11,531,099 11,702,760 12,060,203 12,588,038
Peso Liabilities 6,807,731 7,742,489 8,700,628 9,540,276 9,471,447 9,621,732 9,953,574 10,530,772
Demand and NOW 1,898,243 2,182,512 2,545,313 2,765,186 2,795,678 2,851,040 3,051,959 3,226,538
Savings 3,419,189 3,965,240 4,244,542 4,590,612 4,494,449 4,438,928 4,516,464 4,746,153
Time 1,375,361 1,463,700 1,720,107 1,956,937 1,956,484 2,124,055 2,169,856 2,337,794
LTNCD 114,939 131,037 190,667 227,541 224,836 207,709 215,294 220,287
Foreign Currency 1,487,375 1,740,315 1,913,738 2,055,682 2,059,653 2,081,028 2,106,629 2,057,266
Bills Payable 583,320 660,845 741,175 874,122 932,223 853,907 874,158 818,082
Deposits Substitutes 282,264 300,675 298,613 355,493 356,166 298,075 327,370 384,390
Others 301,056 360,171 442,561 518,629 576,057 555,832 546,788 433,693
Special Financing 1 1 1 1 1 1 1 1
Unsecured Subordinated Debt 106,997 82,921 81,480 81,550 81,569 65,585 45,635 45,639
Redeemable Preferred Shares 0 0 0 0 0 0 0 0
Other Liabilities 643,302 666,692 728,499 972,878 1,018,993 1,118,951 1,240,398 1,333,767
TOTAL CAPITAL ACCOUNTS 1,238,226 1,372,427 1,565,221 1,856,694 1,919,751 1,972,509 2,039,359 2,098,325
Capital Stock 573,373 630,118 708,886 857,991 858,056 861,343 876,442 887,367
Assigned Capital 80,605 87,825 89,925 112,088 117,799 119,938 123,648 143,406
Net Due to Head Office
Accumulated Earnings 37,640 41,585 45,765 39,176 51,065 51,619 42,678 41,759
Other Equity Instruments 17,795 12,000 12,000 12,000 12,000 12,000 12,000 12,000 Retained Earnings and Undivided Profits 2/ 528,813 600,899 708,644 835,438 880,830 927,608 984,591 1,013,793
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: Department of Supervisory Analytics, Financial Supervision Sector
II. 8 Table 2.a.1a BALANCE BALANCE SHEET SHEET Universal Banks 20152014 - 20192018 In Million Pesos
2019 Accounts 2015 2016 2017 2018 3.31 6.30 9.30 12.31
TOTAL ASSETS 9,946,850 11,247,445 12,663,433 14,190,753 14,312,343 14,538,972 15,073,564 15,658,683
Cash and Due from banks 1,977,589 2,277,973 2,256,601 2,184,238 2,109,353 1,981,554 2,157,118 2,369,702
Financial Assets, gross (Net of Amortization) 2,194,794 2,324,752 2,594,121 3,037,780 3,303,522 3,379,282 3,445,119 3,373,748
Accumulated Market Gains/Losses 5,041 -2,172 -6,849 -6,655 10,661 20,271 23,120 21,291
Financial Assets, gross (Net of Amortization and Market Gains/Losses) 2,199,835 2,322,580 2,587,272 3,031,125 3,314,183 3,399,553 3,468,239 3,395,039
Allowance for Credit Losses 24,107 23,008 21,933 16,879 16,875 17,062 17,723 17,432
Financial Assets, gross (Net of Amortization and Credit losses) 2,175,728 2,299,572 2,565,339 3,014,246 3,297,308 3,382,491 3,450,516 3,377,607 Loans, gross 1/ 5,266,691 6,111,386 7,227,031 8,299,655 8,209,259 8,450,378 8,786,445 9,193,797
Allowance for Probable Losses 114,477 121,113 131,311 132,094 142,494 146,396 154,472 154,272
Loans, net (inclusive of IBL) 5,152,214 5,990,273 7,095,720 8,167,561 8,066,765 8,303,983 8,631,973 9,039,525
Equity Investments, gross 222,034 236,286 249,301 284,191 299,859 307,731 295,802 299,154
Allowance for Probable Losses 1,658 1,728 770 726 726 732 738 3,611
Equity Investments, net 220,375 234,557 248,530 283,465 299,134 306,999 295,064 295,544
Real and Other Properties Acquired, net 56,049 54,259 54,565 59,232 55,355 53,790 55,731 60,918
Other Assets 364,895 390,810 442,678 482,010 484,428 510,156 483,163 515,386
LIABILITIES AND CAPITAL 9,946,850 11,247,445 12,663,433 14,190,753 14,312,343 14,538,972 15,073,564 15,658,683
LIABILITIES 8,839,957 10,014,608 11,248,719 12,503,060 12,578,140 12,758,904 13,225,131 13,770,194
Financial Liabilities Held for Trading 20,857 22,800 28,666 29,657 26,474 31,835 26,907 27,389
Financial Liabilities Designated at Fair 0 0 0 0 0 0 0 0
Value through Profit or Loss
Deposit Liabilities 7,641,863 8,728,036 9,808,813 10,753,505 10,702,495 10,873,760 11,240,536 11,737,934
Peso Liabilities 6,333,122 7,210,308 8,125,779 8,960,056 8,897,252 9,057,823 9,373,521 9,920,410
Demand and NOW 1,697,978 1,956,486 2,312,040 2,539,039 2,563,339 2,622,849 2,809,984 2,981,575
Savings 3,249,533 3,780,331 4,035,233 4,388,715 4,288,202 4,239,911 4,319,218 4,532,734
Time 1,270,673 1,342,454 1,592,022 1,813,582 1,829,698 1,996,180 2,037,853 2,194,643
LTNCD 114,939 131,037 186,484 218,720 216,013 198,884 206,467 211,457
Foreign Currency 1,308,740 1,517,727 1,683,034 1,793,449 1,805,243 1,815,937 1,867,015 1,817,525
Bills Payable 565,275 643,293 712,894 813,893 880,119 799,843 835,824 787,167
Deposits Substitutes 276,233 290,575 290,646 338,189 345,955 289,698 317,396 374,614
Others 289,042 352,717 422,248 475,705 534,164 510,145 518,428 412,553
Special Financing 0 0 0 0 0 0 0 0
Unsecured Subordinated Debt 106,997 82,921 79,489 79,559 79,578 63,594 43,644 43,647
Redeemable Preferred Shares 0 0 0 0 0 0 0 0
Other Liabilities 504,965 537,558 618,856 826,446 889,475 989,872 1,078,220 1,174,056
TOTAL CAPITAL ACCOUNTS 1,106,894 1,232,837 1,414,715 1,687,692 1,734,202 1,780,068 1,848,433 1,888,489
Capital Stock 517,798 567,249 647,776 796,889 796,954 797,239 810,774 821,707
Assigned Capital 31,065 33,765 33,765 33,963 33,963 33,963 37,163 41,701
Net Due to Head Office
Accumulated Earnings 20,393 21,386 25,650 25,006 26,729 26,766 26,781 24,878
Other Equity Instruments 17,795 12,000 12,000 12,000 12,000 12,000 12,000 12,000 Retained Earnings & Undivided Profits 2/ 519,842 598,437 695,523 819,834 864,557 910,100 961,716 988,202
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: Department of Supervisory Analytics, Financial Supervision Sector
II. 9 Table 2.a.1b BALANCE BALANCE SHEET SHEET Commercial Banks 2015 2014 - -2019 2018 In In Million Million Pesos Pesos
2019 Accounts 2015 2016 2017 2018 3.31 6.30 9.30 12.31
TOTAL ASSETS 948,328 1,054,283 1,099,846 1,230,401 1,207,276 1,217,151 1,221,678 1,260,182
Cash and Due from banks 274,616 275,701 253,212 218,251 206,746 200,026 210,672 242,396
Financial Assets, gross (net of amortization) 188,411 150,948 175,208 262,482 248,914 222,757 207,142 213,786
Accumulated Market Gains/Losses -2,155 -2,260 -2,265 -3,586 -1,191 278 705 1,088
Financial Assets, gross (net of amortization and Market Gains/Losses) 186,256 148,688 172,944 258,895 247,722 223,035 207,847 214,874
Allowance for Credit Losses 1,000 1,139 950 352 356 365 367 364
Financial Assets, gross (net of amortization and credit losses) 185,256 147,549 171,994 258,544 247,366 222,670 207,480 214,510 Loans, gross 1/ 452,974 594,926 640,047 718,125 709,262 754,236 766,498 760,167
Allowance for probable losses 14,743 14,585 14,524 16,245 15,885 16,430 16,914 16,246
Loans, net (inclusive of IBL) 438,231 580,340 625,523 701,880 693,378 737,807 749,584 743,921
Equity Investments gross 2,121 2,622 2,700 2,724 2,720 2,718 1,758 1,761
Allowance for probable losses 22 24 24 24 24 24 24 24
Equity Investments, net 2,099 2,597 2,675 2,700 2,695 2,694 1,734 1,736
Real and Other Properties Acquired, net 7,435 7,431 7,909 7,350 7,282 7,339 7,242 7,909
Other assets 40,692 40,665 38,532 41,677 49,808 46,616 44,966 49,710
LIABILITIES AND CAPITAL 948,328 1,054,283 1,099,846 1,230,401 1,207,276 1,217,151 1,221,678 1,260,182
LIABILITIES 816,996 914,693 949,340 1,061,400 1,021,728 1,024,711 1,030,752 1,050,346
Financial Liabilities Held for Trading 7,369 13,237 3,871 10,295 9,508 10,576 8,580 7,624
Financial Liabilities Designated at Fair 0 0 0 0 0 0 0 0
Value through Profit or Loss
Deposit Liabilities 653,244 754,768 805,553 842,453 828,605 829,000 819,667 850,104
Peso Liabilities 474,609 532,180 574,849 580,220 574,195 563,909 580,052 610,363
Demand and NOW 200,265 226,026 233,274 226,148 232,339 228,192 241,975 244,962
Savings 169,656 184,909 209,308 201,897 206,247 199,017 197,246 213,419
Time 104,689 121,246 128,085 143,355 126,787 127,875 132,003 143,151
LTNCD 0 0 4,182 8,821 8,823 8,825 8,828 8,830
Foreign Currency 178,635 222,588 230,704 262,233 254,410 265,091 239,615 239,741
Bills Payable 18,045 17,553 28,281 60,229 52,104 54,064 38,334 30,915
Deposits Substitutes 6,032 10,099 7,967 17,304 10,211 8,376 9,974 9,775
Others 12,014 7,454 20,313 42,925 41,893 45,687 28,360 21,140
Special Financing 1 1 1 1 1 1 1 1
Unsecured Subordinated Debt 0 0 1,990 1,991 1,991 1,991 1,992 1,992
Redeemable Preferred Shares 0 0 0 0 0 0 0 0
Other Liabilities 138,336 129,134 109,643 146,431 129,518 129,079 162,178 159,711
TOTAL CAPITAL ACCOUNTS 131,333 139,590 150,506 169,002 185,548 192,441 190,925 209,836
Capital Stock 55,575 62,869 61,109 61,102 61,102 64,105 65,668 65,660
Assigned Capital 49,540 54,060 56,160 78,125 83,836 85,975 86,485 101,705
Net Due to Head Office
Accumulated Earnings 17,247 20,199 20,116 14,170 24,336 24,853 15,898 16,881
Other Equity Instruments 0 0 0 0 0 0 0 0 Retained Earnings & Undivided Profits 2/ 8,971 2,462 13,121 15,604 16,274 17,508 22,875 25,591
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: Department of Supervisory Analytics, Financial Supervision Sector
II. 10 Table 2.a.2a BALANCEBALANCE SHEETSHEET Private Domestic Universal and Commercial Banks 20152014 - 20192018 In Million Pesos
2019 Accounts 2015 2016 2017 2018 3.31 6.30 9.30 12.31
TOTAL ASSETS 8,227,656 9,342,599 10,493,944 11,696,539 11,793,002 12,062,332 12,408,955 12,901,317
Cash and Due from banks 1,545,570 1,787,072 1,844,786 1,727,772 1,668,195 1,628,792 1,660,566 1,796,421
Financial Assets, gross (net of amortization) 1,701,651 1,679,886 1,844,378 2,216,830 2,424,493 2,492,245 2,550,916 2,479,837
Accumulated Market Gains/Losses -8,087 -7,747 -14,928 -15,854 662 7,612 10,611 10,633
Financial Assets, gross (net of amortization and Market Gains/Losses) 1,693,565 1,672,140 1,829,449 2,200,976 2,425,154 2,499,857 2,561,527 2,490,470
Allowance for Credit Losses 22,235 21,260 20,190 16,521 16,523 16,711 17,373 17,081
Financial Assets, gross (net of amortization and credit losses) 1,671,330 1,650,879 1,809,259 2,184,455 2,408,632 2,483,146 2,544,154 2,473,389
Loans, gross 1/ 4,488,976 5,353,218 6,245,159 7,110,889 7,041,465 7,244,931 7,540,219 7,934,924
Allowance for probable losses 99,712 107,246 115,187 112,901 122,025 124,479 130,158 132,678
Loans, net (inclusive of IBL) 4,389,264 5,245,972 6,129,973 6,997,988 6,919,440 7,120,452 7,410,061 7,802,246
Equity Investments gross 216,842 231,574 244,248 278,122 293,181 300,916 287,916 290,598
Allowance for probable losses 1,169 1,241 233 119 119 125 131 3,004
Equity Investments, net 215,673 230,334 244,015 278,003 293,062 300,791 287,785 287,594
Real and Other Properties Acquired, net 55,604 53,929 54,351 58,656 55,029 53,455 55,304 59,148
Other assets 350,215 374,413 411,561 449,664 448,644 475,697 451,084 482,520
LIABILITIES AND CAPITAL 8,227,656 9,342,599 10,493,944 11,696,539 11,793,002 12,062,332 12,408,955 12,901,317
LIABILITIES 7,244,763 8,252,678 9,244,041 10,205,376 10,259,566 10,491,733 10,777,931 11,238,280
Financial Liabilities Held for Trading 12,762 14,235 17,084 18,666 16,785 19,193 15,371 15,352
Financial Liabilities Designated at Fair 0 0 0 0 0 0 0 0
Value through Profit or Loss
Deposit Liabilities 6,349,806 7,251,194 8,115,718 8,775,323 8,719,581 8,934,040 9,106,757 9,535,075
Peso Liabilities 5,169,428 5,855,206 6,582,475 7,165,635 7,099,348 7,309,755 7,451,792 7,919,710
Demand and NOW 1,161,636 1,333,902 1,503,510 1,616,226 1,611,860 1,655,915 1,770,466 1,906,586
Savings 2,702,478 3,111,093 3,341,835 3,520,814 3,464,545 3,498,724 3,480,237 3,663,050
Time 1,201,375 1,290,173 1,557,463 1,812,054 1,809,107 1,953,408 1,991,794 2,135,787
LTNCD 103,939 120,037 179,667 216,541 213,836 201,709 209,294 214,287
Foreign Currency 1,180,378 1,395,988 1,533,243 1,609,688 1,620,233 1,624,285 1,654,966 1,615,364
Bills Payable 445,662 521,196 601,488 698,605 766,595 681,350 717,063 683,676
Deposits Substitutes 271,132 287,567 286,788 346,193 345,940 283,128 319,719 373,566
Others 174,530 233,629 314,700 352,412 420,655 398,222 397,344 310,109
Special Financing 0 0 0 0 0 0 0 0
Unsecured Subordinated Debt 80,863 72,930 69,494 69,559 69,578 53,594 33,644 33,647
Redeemable Preferred Shares 0 0 0 0 0 0 0 0
Other Liabilities 355,668 393,122 440,257 643,223 687,027 803,556 905,095 970,531
TOTAL CAPITAL ACCOUNTS 982,894 1,089,921 1,249,903 1,491,163 1,533,436 1,570,600 1,631,024 1,663,037
Capital Stock 534,571 580,487 656,074 797,870 797,934 801,222 814,756 825,690
Assigned Capital 0 0 0 0 0 0 0 0
Net Due to Head Office
Accumulated Earnings 0 0 0 0 0 0 0 0
Other Equity Instruments 17,795 12,000 12,000 12,000 12,000 12,000 12,000 12,000 Retained Earnings & Undivided Profits 2/ 430,528 497,434 581,829 681,293 723,501 757,378 804,268 825,348
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: Department of Supervisory Analytics, Financial Supervision Sector
II. 11 Table 2.a.2b BALANCEBALANCE SHEET SHEET Government Banks 1/ 20142015 - 20182019 In Million Pesos
2019 Accounts 2015 2016 2017 2018 3.31 6.30 9.30 12.31
TOTAL ASSETS 1,706,903 1,931,777 2,212,796 2,546,497 2,531,246 2,481,299 2,662,861 2,795,616
Cash and Due from banks 452,460 487,229 442,276 491,390 465,900 364,063 500,729 559,729
Financial Assets, gross (net of amortization) 478,613 654,380 760,024 811,628 828,915 845,730 868,061 883,804
Accumulated Market Gains/Losses 11,719 3,768 6,642 8,590 9,995 12,498 12,483 10,607
Financial Assets, gross (net of amortization and Market Gains/Losses) 490,333 658,148 766,666 820,217 838,910 858,228 880,544 894,411
Allowance for Credit Losses 2,381 2,395 2,391 690 686 695 695 695
Financial Assets, gross (net of amortization and credit losses) 487,952 655,753 764,275 819,527 838,225 857,532 879,849 893,716 Loans, gross 2/ 740,570 760,630 968,276 1,196,382 1,190,969 1,224,037 1,251,166 1,305,892
Allowance for probable losses 17,020 17,254 19,269 22,907 23,859 25,268 27,810 24,725
Loans, net (inclusive of IBL) 723,549 743,376 949,008 1,173,475 1,167,111 1,198,769 1,223,356 1,281,167
Equity Investments gross 5,079 5,100 5,228 6,349 6,848 6,843 6,842 7,431
Allowance for probable losses 512 512 561 631 631 631 631 631
Equity Investments, net 4,568 4,588 4,666 5,718 6,217 6,212 6,211 6,800
Real and Other Properties Acquired, net 6,861 6,656 6,651 6,409 6,163 6,191 6,186 7,965
Other assets 31,513 34,174 45,921 49,979 47,631 48,532 46,530 46,238
LIABILITIES AND CAPITAL 1,706,903 1,931,777 2,212,796 2,546,497 2,531,246 2,481,299 2,662,861 2,795,616
LIABILITIES 1,588,903 1,801,973 2,061,009 2,363,771 2,340,822 2,282,760 2,459,654 2,586,811
Financial Liabilities Held for Trading 158 217 19 39 223 291 214 141
Financial Liabilities Designated at Fair 0 0 0 0 0 0 0 0
Value through Profit or Loss
Deposit Liabilities 1,370,780 1,592,838 1,838,218 2,131,210 2,123,185 2,052,309 2,240,802 2,338,597
Peso Liabilities 1,292,739 1,502,677 1,718,005 1,978,125 1,976,644 1,902,638 2,080,675 2,180,529
Demand and NOW 566,065 669,015 854,909 966,838 988,589 994,602 1,076,265 1,108,544
Savings 635,736 752,563 792,735 969,275 931,152 837,753 933,126 979,426
Time 79,939 70,098 59,361 31,011 45,903 64,283 65,285 86,559
LTNCD 11,000 11,000 11,000 11,000 11,000 6,000 6,000 6,000
Foreign Currency 78,040 90,161 120,213 153,085 146,541 149,671 160,127 158,068
Bills Payable 122,082 131,000 121,652 135,197 126,572 137,272 129,565 117,604
Deposits Substitutes 11,107 13,107 11,826 9,300 10,226 14,947 7,651 10,823
Others 110,975 117,893 109,827 125,897 116,346 122,325 121,914 106,780
Special Financing 0 0 0 0 0 0 0 0
Unsecured Subordinated Debt 26,134 9,991 9,996 10,000 10,000 10,000 10,000 10,000
Redeemable Preferred Shares 0 0 0 0 0 0 0 0
Other Liabilities 69,749 67,928 91,124 87,325 80,842 82,888 79,074 120,470
TOTAL CAPITAL ACCOUNTS 118,000 129,803 151,788 182,726 190,424 198,539 203,207 208,805
Capital Stock 25,476 36,305 39,486 46,796 46,796 46,796 46,796 46,796
Assigned Capital 0 0 0 0 0 0 0 0
Net Due to Head Office
Accumulated Earnings 0 0 0 0 0 0 0 0
Other Equity Instruments 0 0 0 0 0 0 0 0 Retained Earnings & Undivided Profits 3/ 92,524 93,498 112,301 135,930 143,627 151,743 156,411 162,009
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: Department of Supervisory Analytics, Financial Supervision Sector
II. 12 Table 2.a.2c BALANCE SHEET Foreign Bank Branches (Universal/Commercial Banks) 2015 - 2019 In Million Pesos
2019 Accounts 2015 2016 2017 2018 3.31 6.30 9.30 12.31
TOTAL ASSETS 842,161 894,994 907,295 998,503 1,030,621 1,044,419 1,054,227 1,060,292
Cash and Due from banks 230,238 248,550 197,993 147,900 159,194 160,246 185,771 233,774
Financial Assets, gross (net of amortization) 193,206 132,908 152,814 248,994 274,594 242,048 207,264 199,879 Accumulated Market Gains/Losses -694 -413 -756 -2,719 -1,139 402 604 1,007 Financial Assets, gross (net of amortization and Market Gains/Losses) 192,513 132,495 152,058 246,275 273,455 242,450 207,868 200,887
Allowance for Credit Losses 302 302 302 1 6 5 6 8
Financial Assets, gross (net of amortization and credit losses) 192,211 132,193 151,756 246,275 273,449 242,445 207,862 200,879
Loans, gross 1/ 409,933 504,045 548,075 594,998 577,340 625,134 646,972 605,442
Allowance for probable losses 10,805 8,753 9,276 9,396 9,253 9,465 9,788 10,201
Loans, net (inclusive of IBL) 399,128 495,292 538,799 585,601 568,087 615,669 637,185 595,241
Equity Investments gross 2,233 2,233 2,524 2,443 2,550 2,690 2,801 2,886
Allowance for probable losses 0 0 0 0 0 0 0 0
Equity Investments, net 2,233 2,233 2,524 2,443 2,550 2,690 2,801 2,886
Real and Other Properties Acquired, net 12 23 15 14 13 13 13 12
Other assets 18,340 16,702 16,208 16,270 27,327 23,356 20,595 27,500
LIABILITIES AND CAPITAL 842,161 894,994 907,295 998,503 1,030,621 1,044,419 1,054,227 1,060,292
LIABILITIES 723,269 760,916 763,747 835,529 855,073 861,621 871,283 856,838
Financial Liabilities Held for Trading 15,135 21,457 15,092 20,601 18,598 21,910 19,127 19,133
Financial Liabilities Designated at Fair 0 0 0 0 0 0 0 0
Value through Profit or Loss
Deposit Liabilities 488,262 535,482 553,410 567,375 578,559 604,849 598,707 600,951
Peso Liabilities 274,385 298,554 313,784 301,596 311,601 327,168 333,546 342,076
Demand and NOW 143,967 150,867 156,653 154,500 168,488 173,810 174,728 180,105
Savings 70,117 87,385 93,766 82,742 78,151 82,010 85,510 86,639
Time 60,301 60,301 63,366 64,354 64,962 71,348 73,307 75,332
LTNCD 0 0 0 0 0 0 0 0
Foreign Currency 213,877 236,928 239,626 265,780 266,958 277,681 265,161 258,875
Bills Payable 6,893 3,673 4,063 11,724 15,687 9,433 6,253 3,117
Deposits Substitutes 25 0 0 0 0 0 0 0
Others 6,868 3,673 4,063 11,724 15,687 9,433 6,253 3,117
Special Financing 0 0 0 0 0 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 212,979 200,305 191,182 235,828 242,229 225,429 247,196 233,638
TOTAL CAPITAL ACCOUNTS 118,893 134,078 143,548 162,974 175,547 182,798 182,944 203,453
Capital Stock 0 0 0 0 0 0 0 0
Assigned Capital 80,605 87,825 89,925 112,088 117,799 119,938 123,648 143,406
Net Due to Head Office
Accumulated Earnings 37,640 41,585 45,765 39,176 51,065 51,619 42,678 41,759
Other Equity Instruments 0 0 0 0 0 0 0 0 Retained Earnings & Undivided Profits 2/ 647 4,668 7,858 11,710 6,683 11,241 16,618 18,289
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: Department of Supervisory Analytics, Financial Supervision Sector
II. 13 Table 2.a.2d BALANCE SHEET Foreign Bank Subsidiaries (Universal/Commercial Banks) 2015 - 2019 In Million Pesos
2019 Accounts 2015 2016 2017 2018 3.31 6.30 9.30 12.31 TOTAL ASSETS 118,458 132,358 149,243 179,614 164,750 168,073 169,198 161,640 Cash and Due from banks 23,937 30,823 24,760 35,427 22,810 28,478 20,724 22,175 Financial Assets, gross (net of amortization) 9,734 8,525 12,113 22,810 24,434 22,016 26,020 24,014 Accumulated Market Gains/Losses -53 -41 -70 -258 -48 37 127 132 Financial Assets, gross (net of amortization and Market Gains/Losses) 9,681 8,485 12,043 22,552 24,386 22,053 26,147 24,145 Allowance for Credit Losses 190 190 0 19 17 15 17 12 Financial Assets, gross (net of amortization and credit losses) 9,491 8,295 12,043 22,533 24,369 22,038 26,130 24,133 Loans, gross 1/ 80,186 88,418 105,568 115,511 108,748 110,512 114,585 107,707 Allowance for probable losses 1,682 2,446 2,104 3,135 3,242 3,613 3,630 2,914 Loans, net (inclusive of IBL) 78,504 85,973 103,464 112,377 105,506 106,900 110,955 104,793 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 1,006 1,082 1,456 1,504 1,431 1,470 1,470 1,702 Other assets 5,520 6,185 7,521 7,774 10,634 9,187 9,919 8,837 LIABILITIES AND CAPITAL 118,458 132,358 149,243 179,614 164,750 168,073 169,198 161,640 LIABILITIES 100,018 113,734 129,261 159,783 144,406 147,501 147,015 138,611 Financial Liabilities Held for Trading 171 128 342 645 377 1,018 775 387 Financial Liabilities Designated at Fair 0 0 0 0 0 0 0 0 Value through Profit or Loss
Deposit Liabilities 86,258 103,291 107,021 122,049 109,774 111,562 113,937 113,415 Peso Liabilities 71,178 86,052 86,365 94,921 83,854 82,171 87,561 88,457 Demand and NOW 26,575 28,727 30,242 27,622 26,742 26,713 30,500 31,304 Savings 10,858 14,198 16,206 17,781 20,601 20,441 17,591 17,038 Time 33,746 43,127 39,917 49,519 36,511 35,016 39,469 40,116 LTNCD 0 0 0 0 0 0 0 0 Foreign Currency 15,080 17,239 20,656 27,129 25,920 29,391 26,376 24,958 Bills Payable 8,682 4,976 13,971 28,596 23,368 25,852 21,277 13,686 Deposits Substitutes 0 0 0 0 0 0 0 0 Others 8,682 4,976 13,971 28,596 23,368 25,852 21,277 13,686 Special Financing 1 1 1 1 1 1 1 1 Unsecured Subordinated Debt 0 0 1,990 1,991 1,991 1,991 1,992 1,992 Redeemable Preferred Shares 0 0 0 0 0 0 0 0 Other Liabilities 4,905 5,337 5,936 6,501 8,894 7,077 9,033 9,129 TOTAL CAPITAL ACCOUNTS 18,441 18,625 19,981 19,831 20,344 20,572 22,183 23,029 Capital Stock 13,326 13,326 13,326 13,326 13,326 13,326 14,890 14,882 Assigned Capital 0 0 0 0 0 0 0 0 Net Due to Head Office Accumulated Earnings 0 0 0 0 0 0 0 0 Other Equity Instruments 0 0 0 0 0 0 0 0 Retained Earnings & Undivided Profits 2/ 5,115 5,299 6,656 6,506 7,019 7,246 7,294 8,148
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: Department of Supervisory Analytics, Financial Supervision Sector
II. 14 Table 2.b BALANCE SHEET Thrift Banks 2015 - 2019 In Million Pesos
2019 Accounts 2015 2016 2017 2018 3.31 6.30 9.30 12.31 TOTAL ASSETS 995,178 1,077,544 1,168,195 1,244,691 1,248,090 1,235,839 1,126,334 1,152,622 Cash and Due from banks 169,851 159,362 150,062 147,474 139,832 122,074 103,479 134,508 Financial Assets, gross (net of amortization) 98,714 102,617 117,368 125,569 127,024 121,091 111,255 104,293 Accumulated Market Gains/Losses -362 -1,088 -716 -1,882 -804 -247 178 239 Financial Assets, gross (net of amortization and Market Gains/Losses) 98,352 101,529 116,652 123,688 126,220 120,845 111,433 104,532 Allowance for Credit Losses 505 509 486 339 379 395 119 118 Financial Assets, gross (net of amortization and credit losses) 97,847 101,020 116,166 123,349 125,841 120,450 111,314 104,413 Loans, gross 1/ 688,892 778,133 860,304 916,874 925,944 935,267 860,726 860,307 Allowance for probable losses 23,045 26,775 26,929 26,256 25,801 25,852 25,049 24,831 Loans, net (inclusive of IBL) 665,847 751,359 833,375 890,618 900,143 909,415 835,676 835,476 Equity Investments gross 1,534 2,376 2,601 10,856 3,876 3,878 3,007 3,757 Allowance for probable losses 246 246 238 39 39 39 33 33 Equity Investments, net 1,288 2,129 2,363 10,817 3,837 3,839 2,974 3,724 Real and Other Properties Acquired, net 19,612 19,825 19,936 20,639 20,794 20,659 18,280 19,102 Other assets 40,734 43,849 46,294 51,794 57,644 59,403 54,610 55,399 LIABILITIES AND CAPITAL 995,178 1,077,544 1,168,195 1,244,691 1,248,090 1,235,839 1,126,334 1,152,622 LIABILITIES 867,067 941,657 1,021,582 1,082,914 1,074,989 1,059,502 963,028 984,363 Financial Liabilities Held for Trading 2 65 0 3 11 5 8 0 Financial Liabilities Designated at Fair 0 0 0 0 0 0 0 0 Value through Profit or Loss Deposit Liabilities 797,607 872,869 945,431 991,492 986,897 973,570 881,335 892,892 Peso Liabilities 743,211 815,459 885,366 930,069 926,980 914,885 829,567 843,736 Demand and NOW 70,904 75,580 88,297 94,251 95,089 100,612 84,237 88,368 Savings 241,624 253,042 260,441 270,111 268,670 269,253 250,445 263,867 Time 430,683 486,836 533,253 557,248 554,761 536,560 486,426 483,042 LTNCD 0 0 3,375 8,460 8,460 8,460 8,460 8,460 Foreign Currency 54,396 57,411 60,065 61,424 59,918 58,685 51,768 49,156 Bills Payable 31,140 29,073 32,963 48,359 43,508 39,077 32,897 34,453 Deposits Substitutes 1,961 4,289 2,422 3,726 3,867 4,182 3,417 2,071 Others 29,179 24,785 30,541 44,633 39,641 34,894 29,480 32,382 Special Financing 40 40 0 0 0 0 0 0 Unsecured Subordinated Debt 6,602 6,608 4,129 4,032 4,032 3,983 1,000 1,000 Redeemable Preferred Shares 732 721 764 772 122 122 122 122 Other Liabilities 30,945 32,281 38,296 38,255 40,418 42,745 47,665 55,895 TOTAL CAPITAL ACCOUNTS 128,111 135,887 146,612 161,778 173,102 176,336 163,306 168,259 Capital Stock 72,197 67,354 71,426 73,446 80,579 80,789 77,950 78,217 Assigned Capital 0 0 0 0 0 0 0 0 Net Due to Head Office Accumulated Earnings Other Equity Instruments 125 0 0 0 0 0 0 0 Retained Earnings & Undivided Profits 2/ 55,789 68,533 75,187 88,332 92,522 95,548 85,357 90,042
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: Department of Supervisory Analytics, Financial Supervision Sector
II. 15 Table 2.c BALANCE SHEET Rural and Cooperative Banks 2015 - 2019 In Million Pesos
2019 Accounts 2015 2016 2017 2018 3.31 6.30 9.30 12.31 TOTAL ASSETS 198,787 211,931 234,687 250,292 250,962 258,174 260,178 266,752 Cash and Due from banks 51,003 52,700 53,612 55,132 55,462 55,210 53,236 57,528 Financial Assets, gross (net of amortization) 14,583 16,973 27,822 38,408 37,403 40,649 42,651 42,385 Accumulated Market Gains/Losses -16 14 -2 -144 -74 -35 4 37 Financial Assets, gross (net of amortization and Market Gains/Losses) 14,567 16,987 27,819 38,264 37,329 40,614 42,655 42,422 Allowance for Credit Losses 238 194 146 59 67 50 46 38 Financial Assets, gross (net of amortization and credit losses) 14,329 16,793 27,673 38,205 37,261 40,564 42,609 42,384 Loans, gross 1/ 118,711 127,674 138,219 143,275 144,697 148,674 150,563 151,840 Allowance for probable losses 9,381 10,353 11,487 12,530 12,794 12,744 12,634 12,158 Loans, net (inclusive of IBL) 109,330 117,321 126,732 130,745 131,903 135,930 137,929 139,682 Equity Investments gross 169 186 314 385 317 421 487 513 Allowance for probable losses 0 7 7 0 0 3 3 3 Equity Investments, net 169 179 307 385 317 418 484 510 Real and Other Properties Acquired, net 9,999 9,978 9,934 9,589 9,553 9,257 9,305 8,984 Other assets 13,956 14,959 16,429 16,235 16,465 16,795 16,615 17,664 LIABILITIES AND CAPITAL 198,787 211,931 234,687 250,292 250,962 258,174 260,178 266,752 LIABILITIES 161,556 172,154 189,729 200,667 200,542 205,519 207,095 214,689 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 138,631 150,889 167,170 176,684 177,323 182,805 184,137 188,538 Peso Liabilities 138,531 150,769 167,035 176,560 177,198 182,676 184,004 188,406 Demand and NOW 4,617 4,070 4,380 4,760 4,614 4,714 4,613 4,962 Savings 92,783 106,158 121,303 135,616 136,127 140,848 143,124 146,818 Time 41,130 40,540 41,352 36,184 36,457 36,972 36,120 36,459 LTNCD 1 1 0 0 0 142 147 167 Foreign Currency 100 120 135 123 125 129 133 132 Bills Payable 14,838 13,921 13,050 13,569 12,142 11,998 11,674 14,760 Deposits Substitutes -61 -26 -50 -5 -5 -6 -5 -5 Others 14,899 13,947 13,100 13,574 12,147 12,005 11,680 14,765 Special Financing 89 26 50 5 5 6 5 5 Unsecured Subordinated Debt 159 154 1,376 1,347 1,317 1,317 1,318 1,348 Redeemable Preferred Shares 155 143 124 107 106 176 175 171 Other Liabilities 7,685 7,020 7,959 8,955 9,649 9,216 9,786 9,868 TOTAL CAPITAL ACCOUNTS 37,230 39,777 44,958 49,625 50,420 52,655 53,083 52,063 Capital Stock 24,551 26,299 30,235 32,561 32,861 33,703 33,320 32,539 Assigned Capital 0 0 0 0 0 0 0 0 Net Due to Head Office Accumulated Earnings Other Equity Instruments 47 58 53 53 55 53 53 53 Retained Earnings & Undivided Profits 2/ 12,632 13,420 14,671 17,011 17,504 18,899 19,710 19,471
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: Department of Supervisory Analytics, Financial Supervision Sector
II. 16 Table 3 PUBLISHED BALANCE SHEET Universal, Commercial and Thrift Banks As of December 31, 2019 In Million Pesos
UNIVERSAL AND ACCOUNTS TOTAL THRIFT BANKS COMMERCIAL BANKS
ASSETS Cash and Cash Items 307,120 295,139 11,981 Due from Bangko Sentral ng Pilipinas 2,082,666 1,992,263 90,403 Due from Other Banks 356,721 324,697 32,024 Financial Assets at Fair Value through Profit or Loss 201,040 193,276 7,764 Available-for-Sale Financial Assets, Net 1,124,463 1,093,243 31,220 Held-to-Maturity (HTM) Financial Assets, Net 2,370,913 2,305,597 65,316 Unquoted Debt Securities Classified as Loans, Net 0 0 0 Investments in Non-Marketable Equity Security, Net 0 0 0 Loans and Receivables, Net 10,618,644 9,783,447 835,197 Loans to Bangko Sentral ng Pilipinas 0 0 0 Interbank Loans Receivable 225,453 224,763 690 Loans and Receivables - Others 10,013,272 9,205,857 807,414 Loans and Receivables Arising from RA/CA/PR/SLB 449,607 415,390 34,217 General Loan Loss Provision 69,688 62,563 7,124 Other Financial Assets 127,317 115,484 11,833 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 301,004 297,280 3,724 Bank Premises, Furniture, Fixture and Equipment, Net 175,594 160,937 14,657 Real and Other Properties Acquired, Net 66,021 51,480 14,541 Non-Current Assets Held for Sale 7,105 5,474 1,631 Other Assets, Net 332,356 300,548 31,808 Net Due from Head Office/Branches/Agencies, if any (Philippine branch of a foreign bank) 209 209 0 TOTAL ASSETS 18,071,174 16,919,075 1,152,099
LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 35,013 35,013 0 Deposit Liabilities 13,480,711 12,588,038 892,673 Due to Other Banks 23,268 23,252 16 Bills Payable 852,537 818,083 34,453 a) BSP (Rediscounting and Other Advances) 44,842 44,842 0 b) Interbank Loans Payable 308,706 284,471 24,235 c) Other Deposit Substitutes 386,462 384,391 2,071 d) Others 112,526 104,379 8,147 Bonds Payable, Net 572,174 553,364 18,810 Unsecured Subordinated Debt, Net 46,639 45,639 1,000 Redeemable Preferred Shares 123 0 122 Special Time Deposit 0 0 0 Due to Bangko Sentral ng Pilipinas 94 75 19 Other Financial Liabilities 241,891 227,173 14,718 Other Liabilities 401,547 379,433 22,114 Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign bank) 192,438 192,438 0 TOTAL LIABILITIES 15,846,435 14,862,508 983,926 0 STOCKHOLDERS' EQUITY 0 Capital Stock 979,529 901,457 78,072 Other Capital Accounts 177,076 160,182 16,894 Retained Earnings 924,728 851,522 73,206 Assigned Capital 143,406 143,406 0 TOTAL STOCKHOLDERS' EQUITY 2,224,739 2,056,566 168,172
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 18,071,174 16,919,075 1,152,099
II. 17 Table 3 PUBLISHED BALANCE SHEET Universal, Commercial and Thrift Banks As of December 31, 2019 In Million Pesos
UNIVERSAL AND ACCOUNTS TOTAL THRIFT BANKS COMMERCIAL BANKS
CONTINGENT ACCOUNTS Guarantees Issued 63,228 63,217 12 Financial Standby Letters of Credit 60,162 59,967 196 Performance Standby Letters of Credit 251,416 251,192 224 Commercial Letters of Credit 110,680 109,813 867 Trade Related Guarantees 33,084 32,821 263 Commitments 1,569,061 1,566,703 2,357 Spot Foreign Exchange Contracts 306,391 305,655 736 Securities Held Under Custodianship by Bank Proper 1,389,537 1,389,537 0 Trust Department Accounts 2,917,105 2,894,330 22,775 a) Trust and Other Fiduciary Accounts 1,668,369 1,660,996 7,373 b) Agency Accounts 1,248,735 1,233,334 15,401 c) Advisory/Consultancy 0 0 0 Derivatives 3,386,179 3,385,875 304 Others 281,638 280,558 1,080 TOTAL CONTINGENT ACCOUNTS 10,368,481 10,339,668 28,813
ADDITIONAL INFORMATION Gross Total Loan Portfolio (TLP) 10,813,965 9,953,964 860,001 Specific allowance for credit losses on the TLP 125,633 107,954 17,679 Non-Performing Loans (NPL) 0 0 a. Gross NPLs 208,185 156,527 51,657 b. Ratio of gross NPLs to gross TLP (%) c. Net NPLs 108,895 71,552 37,343 d. Ratio of Net NPLs to gross TLP (%) e. Ratio of total allowance for credit losses to gross NPLs (%) f. Ratio of specific allowance for credit losses on the gross TLP to gross NPLs (%) Classified Loans & Other Risk Assets, gross of allowance for credit losses 463,680 384,990 78,689 DOSRI Loans and receivables, gross of allowance for credit losses 255,230 251,225 4,004 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP (%) Gross non-performing DOSRI loans and receivables 29 28 1 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 716 0 716 Unbooked Allowance for Credit Losses on Financial Instruments Received 0 0 0
Details may not add up to totals due to rounding-off Source: Department of Supervisory Analytics, Financial Supervision Sector
II. 18 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2019 In Million Pesos
CLASSIFIED BY NATURE OF OPERATION
ACCOUNTS TOTAL UNIVERSAL BANKS COMMERCIAL BANKS
ASSETS Cash and Cash Items 295,139 284,566 10,573 Due from Bangko Sentral ng Pilipinas 1,992,263 1,805,336 186,927 Due from Other Banks 324,697 279,800 44,896 Financial Assets at Fair Value through Profit or Loss 193,276 177,868 15,408 Available-for-Sale Financial Assets, Net 1,093,243 980,933 112,310 Held-to-Maturity (HTM) Financial Assets, Net 2,305,597 2,218,806 86,791 Unquoted Debt Securities Classified as Loans, Net 0 0 0 Investments in Non-Marketable Equity Security, Net 0 0 0 Loans and Receivables, Net 9,783,447 9,039,525 743,921 Loans to Bangko Sentral ng Pilipinas 0 0 0 Interbank Loans Receivable 224,763 192,639 32,123 Loans and Receivables - Others 9,205,857 8,624,397 581,460 Loans and Receivables Arising from RA/CA/PR/SLB 415,390 278,908 136,482 General Loan Loss Provision 62,563 56,419 6,144 Other Financial Assets 115,484 107,636 7,848 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 297,280 295,544 1,736 Bank Premises, Furniture, Fixture and Equipment, Net 160,937 151,402 9,534 Real and Other Properties Acquired, Net 51,480 44,860 6,620 Non-Current Assets Held for Sale 5,474 5,419 55 Other Assets, Net 300,548 266,987 33,562 Net Due from Head Office/Branches/Agencies, if any (Philippine branch of a foreign bank) 209 0 209 TOTAL ASSETS 16,919,075 15,658,683 1,260,392
LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 35,013 27,389 7,624 Deposit Liabilities 12,588,038 11,737,934 850,104 Due to Other Banks 23,252 7,102 16,151 Bills Payable 818,083 787,167 30,916 a) BSP (Rediscounting and Other Advances) 44,842 42,342 2,500 b) Interbank Loans Payable 284,471 265,874 18,598 c) Other Deposit Substitutes 384,391 374,614 9,776 d) Others 104,379 104,337 42 Bonds Payable, Net 553,364 543,474 9,890 Unsecured Subordinated Debt, Net 45,639 43,647 1,992 Redeemable Preferred Shares 0 0 0 Special Time Deposit 0 0 0 Due to Bangko Sentral ng Pilipinas 75 71 4 Other Financial Liabilities 227,173 204,265 22,908 Other Liabilities 379,433 338,294 41,139 Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign bank) 192,438 105,728 86,709 TOTAL LIABILITIES 14,862,508 13,795,072 1,067,436
STOCKHOLDERS' EQUITY Capital Stock 901,457 835,426 66,031 Other Capital Accounts 160,182 142,378 17,804 Retained Earnings 851,522 844,105 7,416 Assigned Capital 143,406 41,701 101,705 TOTAL STOCKHOLDERS' EQUITY 2,056,566 1,863,611 192,955
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 16,919,075 15,658,683 1,260,392
II. 19 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2019 In Million Pesos
CLASSIFIED BY NATURE OF OPERATION
ACCOUNTS TOTAL UNIVERSAL BANKS COMMERCIAL BANKS
CONTINGENT ACCOUNTS Guarantees Issued 63,217 36,055 27,162 Financial Standby Letters of Credit 59,967 51,267 8,699 Performance Standby Letters of Credit 251,192 215,119 36,073 Commercial Letters of Credit 109,813 105,068 4,745 Trade Related Guarantees 32,821 29,292 3,529 Commitments 1,566,703 1,328,269 238,434 Spot Foreign Exchange Contracts 305,655 271,855 33,801 Securities Held Under Custodianship by Bank Proper 1,389,537 919,615 469,922 Trust Department Accounts 2,894,330 2,456,765 437,565 a) Trust and Other Fiduciary Accounts 1,660,996 1,579,984 81,012 b) Agency Accounts 1,233,334 876,781 356,553 c) Advisory/Consultancy 0 0 0 Derivatives 3,385,875 2,990,863 395,012 Others 280,558 232,330 48,228 TOTAL CONTINGENT ACCOUNTS 10,339,668 8,636,498 1,703,170
ADDITIONAL INFORMATION Gross Total Loan Portfolio (TLP) 9,953,964 9,193,797 760,167 Specific allowance for credit losses on the TLP 107,954 97,853 10,102 Non-Performing Loans (NPL) a. Gross NPLs 156,527 143,623 12,904 b. Ratio of gross NPLs to gross TLP (%) c. Net NPLs 71,552 65,562 5,990 d. Ratio of Net NPLs to gross TLP (%) e. Ratio of total allowance for credit losses to gross NPLs (%) f. Ratio of specific allowance for credit losses on the gross TLP to gross NPLs (%) Classified Loans & Other Risk Assets, gross of allowance for credit losses 384,990 330,687 54,304 DOSRI Loans and receivables, gross of allowance for credit losses 251,225 247,352 3,873 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP (%) Gross non-performing DOSRI loans and receivables 28 27 1 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 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: Department of Supervisory Analytics, Financial Supervision Sector
II. 20 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2019 In Million Pesos
CLASSIFIED BY OWNERSHIP
ACCOUNTS PRIVATE DOMESTIC FOREIGN BANK FOREIGN BANK GOVERNMENT BANKS BANKS BRANCHES SUBSIDIARIES
ASSETS Cash and Cash Items 247,628 43,054 2,205 2,252 Due from Bangko Sentral ng Pilipinas 1,307,075 498,662 172,495 14,031 Due from Other Banks 241,718 18,013 59,073 5,893 Financial Assets at Fair Value through Profit or Loss 141,568 18,616 32,643 448 Available-for-Sale Financial Assets, Net 672,689 256,273 154,999 9,282 Held-to-Maturity (HTM) Financial Assets, Net 1,659,131 618,826 13,237 14,403 Unquoted Debt Securities Classified as Loans, Net 0 0 0 0 Investments in Non-Marketable Equity Security, Net 0 0 0 0 Loans and Receivables, Net 7,802,246 1,281,167 595,241 104,793 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivable 120,120 65,074 35,807 3,761 Loans and Receivables - Others 7,586,640 1,144,795 372,179 102,244 Loans and Receivables Arising from RA/CA/PR/SLB 144,038 79,554 191,798 0 General Loan Loss Provision 48,552 8,256 4,544 1,212 Other Financial Assets 92,478 17,553 4,030 1,423 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 287,594 6,800 2,886 0 Bank Premises, Furniture, Fixture and Equipment, Net 143,774 10,853 4,683 1,627 Real and Other Properties Acquired, Net 43,544 6,679 12 1,244 Non-Current Assets Held for Sale 4,915 559 0 0 Other Assets, Net 256,957 18,558 18,788 6,245 Net Due from Head Office/Branches/Agencies, if any (Philippine branch of a foreign bank) 0 0 209 0 TOTAL ASSETS 12,901,317 2,795,616 1,060,501 161,640
LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 15,352 141 19,133 387 Deposit Liabilities 9,535,075 2,338,597 600,951 113,415 Due to Other Banks 1,422 0 21,830 0 Bills Payable 683,676 117,604 3,117 13,687 a) BSP (Rediscounting and Other Advances) 44,780 62 0 0 b) Interbank Loans Payable 203,763 63,985 3,037 13,686 c) Other Deposit Substitutes 373,566 10,823 0 1 d) Others 61,566 42,733 80 0 Bonds Payable, Net 520,062 33,302 0 0 Unsecured Subordinated Debt, Net 33,647 10,000 0 1,992 Redeemable Preferred Shares 0 0 0 0 Special Time Deposit 0 0 0 0 Due to Bangko Sentral ng Pilipinas 26 5 44 0 Other Financial Liabilities 170,305 27,397 27,932 1,539 Other Liabilities 278,714 59,765 33,363 7,591 Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign bank) 0 0 192,438 0 TOTAL LIABILITIES 11,238,280 2,586,811 898,806 138,611
STOCKHOLDERS' EQUITY Capital Stock 839,779 46,796 0 14,882 Other Capital Accounts 107,827 35,143 16,021 1,191 Retained Earnings 715,431 126,866 2,268 6,957 Assigned Capital 0 0 143,406 0 TOTAL STOCKHOLDERS' EQUITY 1,663,037 208,805 161,695 23,029
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 12,901,317 2,795,616 1,060,501 161,640
II. 21 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2019 In Million Pesos
CLASSIFIED BY OWNERSHIP
ACCOUNTS PRIVATE DOMESTIC FOREIGN BANK FOREIGN BANK GOVERNMENT BANKS BANKS BRANCHES SUBSIDIARIES
CONTINGENT ACCOUNTS Guarantees Issued 25,538 375 36,634 669 Financial Standby Letters of Credit 39,552 3,867 14,066 2,481 Performance Standby Letters of Credit 136,158 12,861 101,833 341 Commercial Letters of Credit 80,377 20,722 8,221 494 Trade Related Guarantees 23,793 177 8,063 788 Commitments 1,008,788 163,555 379,354 15,006 Spot Foreign Exchange Contracts 202,941 3,367 95,777 3,570 Securities Held Under Custodianship by Bank Proper 0 0 1,389,537 0 Trust Department Accounts 2,513,735 357,719 13,995 8,881 a) Trust and Other Fiduciary Accounts 1,352,048 291,319 13,995 3,633 b) Agency Accounts 1,161,687 66,400 0 5,247 c) Advisory/Consultancy 0 0 0 0 Derivatives 2,259,763 32,765 1,049,324 44,023 Others 154,023 2,527 80,957 43,050 TOTAL CONTINGENT ACCOUNTS 6,444,667 597,937 3,177,760 119,303
ADDITIONAL INFORMATION Gross Total Loan Portfolio (TLP) 7,934,924 1,305,892 605,442 107,707 Specific allowance for credit losses on the TLP 84,126 16,469 5,657 1,702 Non-Performing Loans (NPL) a. Gross NPLs 120,095 28,584 5,009 2,839 b. Ratio of gross NPLs to gross TLP (%) c. Net NPLs 51,625 16,898 1,499 1,530 d. Ratio of Net NPLs to gross TLP (%) e. Ratio of total allowance for credit losses to gross NPLs (%) f. Ratio of specific allowance for credit losses on the gross TLP to gross NPLs (%) Classified Loans & Other Risk Assets, gross of allowance for credit losses 280,127 59,891 37,367 7,606 DOSRI Loans and receivables, gross of allowance for credit losses 89,717 160,972 389 148 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP (%) Gross non-performing DOSRI loans and receivables 28 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 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: Department of Supervisory Analytics, Financial Supervision Sector
II. 22 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2019 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 4,019 1,776 45,982 0 Due from Bangko Sentral ng Pilipinas 39,003 21,955 181,815 1,332 Due from Other Banks 3,364 4,590 18,375 450 Financial Assets at Fair Value through Profit or Loss 858 1,054 17,652 4,040 Available-for-Sale Financial Assets, Net 18,164 1,265 47,228 10,653 Held-to-Maturity (HTM) Financial Assets, Net 16,292 22,598 248,651 13,924 Unquoted Debt Securities Classified as Loans, Net 0 0 0 0 Investments in Non-Marketable Equity Security, Net 0 0 0 0 Loans and Receivables, Net 170,399 81,600 1,243,317 3,173 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivable 212 111 1,411 0 Loans and Receivables - Others 167,499 72,981 1,231,720 3,178 Loans and Receivables Arising from RA/CA/PR/SLB 3,329 9,289 16,947 0 General Loan Loss Provision 641 782 6,761 6 Other Financial Assets 1,304 1,113 11,094 741 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 1,301 42 61,492 0 Bank Premises, Furniture, Fixture and Equipment, Net 858 1,775 16,736 139 Real and Other Properties Acquired, Net 250 2,607 269 0 Non-Current Assets Held for Sale 0 55 26 0 Other Assets, Net 4,666 4,376 19,989 452 Net Due from Head Office/Branches/Agencies, if any (Philippine branch of a foreign bank) 0 0 0 0 TOTAL ASSETS 260,478 144,805 1,912,625 34,904
LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 4 0 2,814 1,100 Deposit Liabilities 207,745 123,856 1,457,218 26,908 Due to Other Banks 0 0 528 0 Bills Payable 2,136 0 51,066 253 a) BSP (Rediscounting and Other Advances) 0 0 0 0 b) Interbank Loans Payable 0 0 27,169 253 c) Other Deposit Substitutes 1,202 0 23,897 0 d) Others 933 0 0 0 Bonds Payable, Net 6,932 0 75,463 0 Unsecured Subordinated Debt, Net 4,974 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 1,725 1,917 22,957 721 Other Liabilities 3,502 2,989 35,600 110 Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign bank) 0 0 0 0 TOTAL LIABILITIES 227,018 128,763 1,645,646 29,093
STOCKHOLDERS' EQUITY Capital Stock 11,476 16,818 119,368 2,165 Other Capital Accounts 4,900 104 25,328 1,169 Retained Earnings 17,084 -880 122,283 2,477 Assigned Capital 0 0 0 0 TOTAL STOCKHOLDERS' EQUITY 33,460 16,043 266,978 5,811
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 260,478 144,805 1,912,625 34,904
II. 23 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2019 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 581 1,695 717 0 Financial Standby Letters of Credit 0 304 9,609 0 Performance Standby Letters of Credit 2,401 79 5,055 0 Commercial Letters of Credit 1,968 0 10,708 0 Trade Related Guarantees 336 0 2,312 0 Commitments 5,321 7,440 112,172 0 Spot Foreign Exchange Contracts 7,568 760 9,749 898 Securities Held Under Custodianship by Bank Proper 0 0 0 0 Trust Department Accounts 23,687 41,433 0 357,322 a) Trust and Other Fiduciary Accounts 23,687 1,906 0 68,615 b) Agency Accounts 0 39,527 0 288,707 c) Advisory/Consultancy 0 0 0 0 Derivatives 3,799 0 424,126 42,746 Others 229 162 46,336 0 TOTAL CONTINGENT ACCOUNTS 45,891 51,871 620,784 400,966
ADDITIONAL INFORMATION Gross Total Loan Portfolio (TLP) 172,083 83,890 1,261,803 3,178 Specific allowance for credit losses on the TLP 1,043 1,509 11,725 0.00 Non-Performing Loans (NPL) a. Gross NPLs 2,425 1,610 12,223 0.00 b. Ratio of gross NPLs to gross TLP (%) 1.40 1.91 0.96 0.00 c. Net NPLs 1,640 289 4,495 0 d. Ratio of Net NPLs to gross TLP (%) 0.95 0.34 0.35 0.00 e. Ratio of total allowance for credit losses to gross NPLs (%) 106.07 142.25 151.24 0.00 f. Ratio of specific allowance for credit losses on the gross TLP to gross NPLs (%) 43.01 93.71 95.92 0.00 Classified Loans & Other Risk Assets, gross of allowance for credit losses 16,554 2,284 14,306 0 DOSRI Loans and receivables, gross of allowance for credit losses 126 1.75 10,024 0 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP (%) 0.07 0.00 0.79 0.00 Gross non-performing DOSRI loans and receivables 0 0 0 0 Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0.00 0.00 0.00 0.00 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 4.26 0.44 2.45 0.00 b. 2% for Medium Enterprises 5.66 1.26 4.23 0.00 Return on Equity (ROE) (%) 14.70 1.01 11.11 15.03 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 14.42 15.07 14.08 26.32 b. Tier 1 CAR (%) 14.42 15.07 14.08 26.32 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: Department of Supervisory Analytics, Financial Supervision Sector
II. 24 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2019 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 68,070 14,857 7,671 30,659 Due from Bangko Sentral ng Pilipinas 306,921 88,110 34,379 195,770 Due from Other Banks 35,820 8,646 3,063 38,697 Financial Assets at Fair Value through Profit or Loss 4,064 18,444 16,940 49,550 Available-for-Sale Financial Assets, Net 92,912 14,525 4,651 188,676 Held-to-Maturity (HTM) Financial Assets, Net 244,054 173,607 49,651 216,644 Unquoted Debt Securities Classified as Loans, Net 0 0 0 0 Investments in Non-Marketable Equity Security, Net 0 0 0 0 Loans and Receivables, Net 2,157,245 512,827 239,336 1,206,854 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivable 39,708 4,580 1,300 19,232 Loans and Receivables - Others 2,128,744 506,386 238,527 1,161,524 Loans and Receivables Arising from RA/CA/PR/SLB 0 5,447 1,392 36,921 General Loan Loss Provision 11,207 3,586 1,883 10,822 Other Financial Assets 17,633 6,731 3,327 10,182 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 41,715 12,714 4,719 92,046 Bank Premises, Furniture, Fixture and Equipment, Net 43,283 6,139 5,067 18,021 Real and Other Properties Acquired, Net 10,070 308 1,669 2,505 Non-Current Assets Held for Sale 927 0 0 0 Other Assets, Net 46,680 9,992 12,040 67,293 Net Due from Head Office/Branches/Agencies, if any (Philippine branch of a foreign bank) 0 0 0 0 TOTAL ASSETS 3,069,395 866,900 382,513 2,116,897
LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 1,643 1,036 123 5,994 Deposit Liabilities 2,436,916 688,344 283,662 1,500,292 Due to Other Banks 0 5 0 0 Bills Payable 54,640 33,381 30,913 139,072 a) BSP (Rediscounting and Other Advances) 0 3,280 17,000 0 b) Interbank Loans Payable 32,138 11,228 1,108 48,292 c) Other Deposit Substitutes 0 18,873 12,805 90,780 d) Others 22,502 0 0 0 Bonds Payable, Net 91,974 37,394 0 70,110 Unsecured Subordinated Debt, Net 10,000 0 4,979 6,494 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 39,352 8,537 5,867 17,731 Other Liabilities 64,440 8,203 8,131 66,233 Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign bank) 0 0 0 0 TOTAL LIABILITIES 2,698,965 776,901 333,675 1,805,926
STOCKHOLDERS' EQUITY Capital Stock 174,744 43,982 27,565 169,260 Other Capital Accounts 32,649 103 6,259 316 Retained Earnings 163,037 45,915 15,014 141,396 Assigned Capital 0 0 0 0 TOTAL STOCKHOLDERS' EQUITY 370,430 89,999 48,838 310,971
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 3,069,395 866,900 382,513 2,116,897
II. 25 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2019 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 0 888 10,042 Financial Standby Letters of Credit 0 0 0 0 Performance Standby Letters of Credit 28,342 13,519 2,338 25,801 Commercial Letters of Credit 25,361 4,591 1,963 15,540 Trade Related Guarantees 10,810 688 5,539 1,975 Commitments 404,078 60,916 144,139 27,965 Spot Foreign Exchange Contracts 28,189 22,862 5,712 39,495 Securities Held Under Custodianship by Bank Proper 0 0 0 0 Trust Department Accounts 979,045 169,339 35,044 484,586 a) Trust and Other Fiduciary Accounts 571,762 74,256 35,044 319,655 b) Agency Accounts 407,283 95,083 0 164,931 c) Advisory/Consultancy 0 0 0 0 Derivatives 274,204 75,695 2,025 651,098 Others 16,998 5,325 7,463 9,356 TOTAL CONTINGENT ACCOUNTS 1,767,064 352,937 205,113 1,265,858
ADDITIONAL INFORMATION Gross Total Loan Portfolio (TLP) 2,184,366 519,929 245,863 1,227,163 Specific allowance for credit losses on the TLP 15,913 3,515 4,644 9,487 Non-Performing Loans (NPL) a. Gross NPLs 22,276 4,895 10,422 10,209 b. Ratio of gross NPLs to gross TLP (%) 1.01 0.94 4.23 0.83 c. Net NPLs 7,407 2,034 6,439 1,973 d. Ratio of Net NPLs to gross TLP (%) 0.33 0.39 2.61 0.16 e. Ratio of total allowance for credit losses to gross NPLs (%) 178.96 191.61 62.63 198.92 f. Ratio of specific allowance for credit losses on the gross TLP to gross NPLs (%) 71.43 71.81 44.56 92.92 Classified Loans & Other Risk Assets, gross of allowance for credit losses 44,853 29,834 12,119 18,984 DOSRI Loans and receivables, gross of allowance for credit losses 30,197 3,776 13,306 13,571 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP (%) 1.38 0.72 5.41 1.10 Gross non-performing DOSRI loans and receivables 24 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 1.09 5.94 2.40 0.96 b. 2% for Medium Enterprises 1.92 6.73 4.26 5.69 Return on Equity (ROE) (%) 12.44 11.79 13.54 9.67 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 12.38 12.62 10.65 14.13 b. Tier 1 CAR (%) 12.16 12.62 10.65 14.13 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: Department of Supervisory Analytics, Financial Supervision Sector
II. 26 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2019 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 1,771 26,415 904 814 Due from Bangko Sentral ng Pilipinas 10,214 103,446 30,406 23,699 Due from Other Banks 1,076 14,392 2,606 899 Financial Assets at Fair Value through Profit or Loss 1,704 11,204 0 0 Available-for-Sale Financial Assets, Net 8,167 119,564 36,978 2,877 Held-to-Maturity (HTM) Financial Assets, Net 14,642 99,206 41,151 3,495 Unquoted Debt Securities Classified as Loans, Net 0 0 0 0 Investments in Non-Marketable Equity Security, Net 0 0 0 0 Loans and Receivables, Net 58,824 591,370 41,795 21,543 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivable 0 22,987 0 913 Loans and Receivables - Others 59,454 572,505 21,700 20,552 Loans and Receivables Arising from RA/CA/PR/SLB 0 1,150 20,337 424 General Loan Loss Provision 630 5,272 242 347 Other Financial Assets 627 11,573 1,186 504 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 20 29,812 18 210 Bank Premises, Furniture, Fixture and Equipment, Net 1,462 22,979 2,755 825 Real and Other Properties Acquired, Net 519 7,872 1,478 1,914 Non-Current Assets Held for Sale 0 0 0 0 Other Assets, Net 5,714 29,844 1,297 2,302 Net Due from Head Office/Branches/Agencies, if any (Philippine branch of a foreign bank) 0 0 0 0 TOTAL ASSETS 104,739 1,067,676 160,574 59,082
LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 0 202 0 0 Deposit Liabilities 74,964 774,305 134,285 53,184 Due to Other Banks 0 761 0 0 Bills Payable 13,065 45,732 0 0 a) BSP (Rediscounting and Other Advances) 2,100 0 0 0 b) Interbank Loans Payable 1,190 22,461 0 0 c) Other Deposit Substitutes 9,775 23,269 0 0 d) Others 0 2 0 0 Bonds Payable, Net 0 66,615 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 927 8,903 367 615 Other Liabilities 2,304 26,213 329 1,607 Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign bank) 0 0 0 0 TOTAL LIABILITIES 91,260 922,730 134,981 55,406
STOCKHOLDERS' EQUITY Capital Stock 14,278 93,137 10,000 2,888 Other Capital Accounts 2,948 1,578 2,270 454 Retained Earnings -3,748 50,231 13,323 334 Assigned Capital 0 0 0 0 TOTAL STOCKHOLDERS' EQUITY 13,479 144,946 25,593 3,676
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 104,739 1,067,676 160,574 59,082
II. 27 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2019 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 1,341 26,864 0 0 Performance Standby Letters of Credit 0 12,616 29 0 Commercial Letters of Credit 667 8,993 298 3 Trade Related Guarantees 219 687 0 0 Commitments 0 37,106 0 602 Spot Foreign Exchange Contracts 2,335 29,845 0 0 Securities Held Under Custodianship by Bank Proper 0 0 0 0 Trust Department Accounts 7,145 95,876 999 5,011 a) Trust and Other Fiduciary Accounts 1,442 56,055 999 857 b) Agency Accounts 5,702 39,821 0 4,153 c) Advisory/Consultancy 0 0 0 0 Derivatives 0 154,153 0 0 Others 162 25,006 44 143 TOTAL CONTINGENT ACCOUNTS 11,868 391,158 1,370 5,760
ADDITIONAL INFORMATION Gross Total Loan Portfolio (TLP) 60,882 605,669 45,797 23,951 Specific allowance for credit losses on the TLP 1,428 9,027 3,761 2,062 Non-Performing Loans (NPL) a. Gross NPLs 2,325 12,024 954 3,131 b. Ratio of gross NPLs to gross TLP (%) 3.81 1.98 2.08 13.07 c. Net NPLs 1,072 4,111 167 1,847 d. Ratio of Net NPLs to gross TLP (%) 1.76 0.67 0.36 7.71 e. Ratio of total allowance for credit losses to gross NPLs (%) 88.55 118.91 419.57 76.92 f. Ratio of specific allowance for credit losses on the gross TLP to gross NPLs (%) 61.43 75.07 394.25 65.85 Classified Loans & Other Risk Assets, gross of allowance for credit losses 7,544 35,818 6,542 3,443 DOSRI Loans and receivables, gross of allowance for credit losses 4 7,615 1,890 24 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP (%) 0.00 1.25 4.12 0.10 Gross non-performing DOSRI loans and receivables 0 1 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 2.82 0.51 10.27 0.17 b. 2% for Medium Enterprises 7.31 3.34 9.88 1.37 Return on Equity (ROE) (%) 9.51 6.63 3.64 24.37 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 13.69 12.13 45.04 9.74 b. Tier 1 CAR (%) 13.69 12.13 45.04 8.59 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: Department of Supervisory Analytics, Financial Supervision Sector
II. 28 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2019 In Million Pesos
PRIVATE DOMESTIC BANKS
ACCOUNTS RIZAL COMM'L ROBINSONS BANK UNION BANK OF THE SECURITY BANK CORP BANKING CORP CORPORATION PHILS
ASSETS Cash and Cash Items 16,836 3,176 9,882 7,832 Due from Bangko Sentral ng Pilipinas 85,453 11,824 56,119 67,798 Due from Other Banks 18,467 2,160 9,114 71,497 Financial Assets at Fair Value through Profit or Loss 4,799 5 3,273 7,687 Available-for-Sale Financial Assets, Net 52,795 13,992 24,447 5,747 Held-to-Maturity (HTM) Financial Assets, Net 101,163 11,157 204,025 163,280 Unquoted Debt Securities Classified as Loans, Net 0 0 0 0 Investments in Non-Marketable Equity Security, Net 0 0 0 0 Loans and Receivables, Net 441,016 79,699 449,720 325,538 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivable 19,411 1,537 7,796 213 Loans and Receivables - Others 417,460 77,560 445,580 297,908 Loans and Receivables Arising from RA/CA/PR/SLB 5,629 805 0 28,447 General Loan Loss Provision 1,484 203 3,656 1,030 Other Financial Assets 4,936 887 11,956 5,922 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 7,782 1,237 3,414 20,577 Bank Premises, Furniture, Fixture and Equipment, Net 10,418 832 4,297 6,895 Real and Other Properties Acquired, Net 2,636 335 1,139 4,214 Non-Current Assets Held for Sale 1,777 0 1,515 0 Other Assets, Net 14,230 2,834 9,331 19,878 Net Due from Head Office/Branches/Agencies, if any (Philippine branch of a foreign bank) 0 0 0 0 TOTAL ASSETS 762,311 128,138 788,233 706,867
LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 863 0 1,104 430 Deposit Liabilities 456,594 95,551 500,719 438,954 Due to Other Banks 1 0 127 0 Bills Payable 94,012 2,041 93,162 117,392 a) BSP (Rediscounting and Other Advances) 0 400 7,000 15,000 b) Interbank Loans Payable 18,239 1,641 23,334 16,710 c) Other Deposit Substitutes 75,772 0 50,230 60,347 d) Others 0 0 12,598 25,336 Bonds Payable, Net 96,814 9,890 48,163 16,706 Unsecured Subordinated Debt, Net 0 0 0 7,200 Redeemable Preferred Shares 0 0 0 0 Special Time Deposit 0 0 0 0 Due to Bangko Sentral ng Pilipinas 26 0 0 0 Other Financial Liabilities 8,995 1,402 15,396 14,522 Other Liabilities 21,655 2,340 11,340 16,438 Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign bank) 0 0 0 0 TOTAL LIABILITIES 678,960 111,224 670,010 611,643
STOCKHOLDERS' EQUITY Capital Stock 65,080 15,000 46,186 26,348 Other Capital Accounts -9,799 525 10,656 12,693 Retained Earnings 28,069 1,390 61,381 56,183 Assigned Capital 0 0 0 0 TOTAL STOCKHOLDERS' EQUITY 83,350 16,915 118,223 95,224
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 762,311 128,138 788,233 706,867
II. 29 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2019 In Million Pesos
PRIVATE DOMESTIC BANKS
ACCOUNTS RIZAL COMM'L ROBINSONS BANK UNION BANK OF THE SECURITY BANK CORP BANKING CORP CORPORATION PHILS
CONTINGENT ACCOUNTS Guarantees Issued 7,904 3,207 0 456 Financial Standby Letters of Credit 0 181 0 1,254 Performance Standby Letters of Credit 17,655 0 19,616 3,120 Commercial Letters of Credit 3,033 148 5,291 363 Trade Related Guarantees 733 0 453 38 Commitments 58,366 7,259 76,607 65,117 Spot Foreign Exchange Contracts 28,426 2,654 7,698 7,838 Securities Held Under Custodianship by Bank Proper 0 0 0 0 Trust Department Accounts 94,432 17,739 58,173 54,322 a) Trust and Other Fiduciary Accounts 48,393 4,523 40,156 31,491 b) Agency Accounts 46,039 13,216 18,017 22,831 c) Advisory/Consultancy 0 0 0 0 Derivatives 123,409 0 440,040 68,467 Others 3,359 2,362 1,251 21,485 TOTAL CONTINGENT ACCOUNTS 337,317 33,550 609,131 222,461
ADDITIONAL INFORMATION Gross Total Loan Portfolio (TLP) 451,044 80,559 456,731 330,983 Specific allowance for credit losses on the TLP 8,544 657 3,355 4,414 Non-Performing Loans (NPL) a. Gross NPLs 16,085 1,091 5,339 8,495 b. Ratio of gross NPLs to gross TLP (%) 3.56 1.35 1.16 2.56 c. Net NPLs 8,854 525 2,543 4,206 d. Ratio of Net NPLs to gross TLP (%) 1.96 0.65 0.55 1.27 e. Ratio of total allowance for credit losses to gross NPLs (%) 81.80 78.85 131.31 64.08 f. Ratio of specific allowance for credit losses on the gross TLP to gross NPLs (%) 53.11 60.22 62.84 51.96 Classified Loans & Other Risk Assets, gross of allowance for credit losses 40,745 2,071 16,537 16,518 DOSRI Loans and receivables, gross of allowance for credit losses 417 3,572 4,291 581 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP (%) 0.09 4.43 0.93 0.17 Gross non-performing DOSRI loans and receivables 2 1 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 1.02 7.15 0.98 2.13 b. 2% for Medium Enterprises 2.82 9.68 3.86 1.96 Return on Equity (ROE) (%) 6.77 4.27 8.75 15.51 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 12.29 16.65 16.41 12.71 b. Tier 1 CAR (%) 12.29 16.65 16.41 12.71 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: Department of Supervisory Analytics, Financial Supervision Sector
II. 30 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2019 In Million Pesos
PRIVATE DOMESTIC BANKS
ACCOUNTS UNITED COCONUT PLANTERS BANK
ASSETS Cash and Cash Items 6,965 Due from Bangko Sentral ng Pilipinas 48,831 Due from Other Banks 8,502 Financial Assets at Fair Value through Profit or Loss 293 Available-for-Sale Financial Assets, Net 30,047 Held-to-Maturity (HTM) Financial Assets, Net 35,590 Unquoted Debt Securities Classified as Loans, Net 0 Investments in Non-Marketable Equity Security, Net 0 Loans and Receivables, Net 177,991 Loans to Bangko Sentral ng Pilipinas 0 Interbank Loans Receivable 708 Loans and Receivables - Others 163,362 Loans and Receivables Arising from RA/CA/PR/SLB 13,921 General Loan Loss Provision 0 Other Financial Assets 2,762 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 10,495 Bank Premises, Furniture, Fixture and Equipment, Net 1,292 Real and Other Properties Acquired, Net 5,758 Non-Current Assets Held for Sale 615 Other Assets, Net 6,040 Net Due from Head Office/Branches/Agencies, if any (Philippine branch of a foreign bank) 0 TOTAL ASSETS 335,181
LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 38 Deposit Liabilities 281,577 Due to Other Banks 0 Bills Payable 6,813 a) BSP (Rediscounting and Other Advances) 0 b) Interbank Loans Payable 0 c) Other Deposit Substitutes 6,617 d) Others 195 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 20,372 Other Liabilities 7,279 Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign bank) 0 TOTAL LIABILITIES 316,079
STOCKHOLDERS' EQUITY Capital Stock 1,485 Other Capital Accounts 15,674 Retained Earnings 1,943 Assigned Capital 0 TOTAL STOCKHOLDERS' EQUITY 19,101
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 335,181
II. 31 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2019 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 5,586 Commercial Letters of Credit 1,448 Trade Related Guarantees 4 Commitments 1,699 Spot Foreign Exchange Contracts 8,912 Securities Held Under Custodianship by Bank Proper 0 Trust Department Accounts 89,580 a) Trust and Other Fiduciary Accounts 73,205 b) Agency Accounts 16,376 c) Advisory/Consultancy 0 Derivatives 0 Others 14,339 TOTAL CONTINGENT ACCOUNTS 121,568
ADDITIONAL INFORMATION Gross Total Loan Portfolio (TLP) 181,031 Specific allowance for credit losses on the TLP 3,041 Non-Performing Loans (NPL) a. Gross NPLs 6,591 b. Ratio of gross NPLs to gross TLP (%) 3.64 c. Net NPLs 4,021 d. Ratio of Net NPLs to gross TLP (%) 2.22 e. Ratio of total allowance for credit losses to gross NPLs (%) 46.13 f. Ratio of specific allowance for credit losses on the gross TLP to gross NPLs (%) 46.13 Classified Loans & Other Risk Assets, gross of allowance for credit losses 11,976 DOSRI Loans and receivables, gross of allowance for credit losses 321 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP (%) 0.17 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 1.63 b. 2% for Medium Enterprises 4.72 Return on Equity (ROE) (%) 22.59 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 6.08 b. Tier 1 CAR (%) - 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: Department of Supervisory Analytics, Financial Supervision Sector
II. 32 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2019 In Million Pesos
GOVERNMENT BANKS
AL-AMANAH ISLAMIC ACCOUNTS DEVELOPMENT BANK OF LAND BANK OF THE INVESTMENT BANK OF THE PHIL PHILIPPINES THE PHILS
ASSETS Cash and Cash Items 12 5,095 37,947 Due from Bangko Sentral ng Pilipinas 229 117,846 380,587 Due from Other Banks 63 7,188 10,762 Financial Assets at Fair Value through Profit or Loss 0 6,742 11,874 Available-for-Sale Financial Assets, Net 3 43,019 213,251 Held-to-Maturity (HTM) Financial Assets, Net 27 154,623 464,176 Unquoted Debt Securities Classified as Loans, Net 0 0 0 Investments in Non-Marketable Equity Security, Net 0 0 0 Loans and Receivables, Net 332 405,350 875,486 Loans to Bangko Sentral ng Pilipinas 0 0 0 Interbank Loans Receivable 0 23,360 41,714 Loans and Receivables - Others 244 343,679 800,872 Loans and Receivables Arising from RA/CA/PR/SLB 91 41,372 38,092 General Loan Loss Provision 3 3,061 5,191 Other Financial Assets 2 4,487 13,064 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 0 1,246 5,554 Bank Premises, Furniture, Fixture and Equipment, Net 12 2,589 8,252 Real and Other Properties Acquired, Net 7 1,050 5,623 Non-Current Assets Held for Sale 0 235 324 Other Assets, Net 14 12,028 6,517 Net Due from Head Office/Branches/Agencies, if any (Philippine branch of a foreign bank) 0 0 0 TOTAL ASSETS 700 761,499 2,033,417
LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 0 110 30 Deposit Liabilities 565 554,631 1,783,402 Due to Other Banks 0 0 0 Bills Payable 0 90,040 27,564 a) BSP (Rediscounting and Other Advances) 0 0 62 b) Interbank Loans Payable 0 63,985 0 c) Other Deposit Substitutes 0 10,823 0 d) Others 0 15,231 27,502 Bonds Payable, Net 0 33,302 0 Unsecured Subordinated Debt, Net 0 10,000 0 Redeemable Preferred Shares 0 0 0 Special Time Deposit 0 0 0 Due to Bangko Sentral ng Pilipinas 0 5 0 Other Financial Liabilities 9 5,139 22,249 Other Liabilities 37 8,554 51,174 Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign bank) 0 0 0 TOTAL LIABILITIES 610 701,781 1,884,419
STOCKHOLDERS' EQUITY Capital Stock 1,005 19,500 26,291 Other Capital Accounts -72 5,823 29,393 Retained Earnings -843 34,395 93,314 Assigned Capital 0 0 0 TOTAL STOCKHOLDERS' EQUITY 90 59,717 148,998
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 700 761,499 2,033,417
II. 33 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2019 In Million Pesos
GOVERNMENT BANKS
AL-AMANAH ISLAMIC ACCOUNTS DEVELOPMENT BANK OF LAND BANK OF THE INVESTMENT BANK OF THE PHIL PHILIPPINES THE PHILS
CONTINGENT ACCOUNTS Guarantees Issued 0 0 375 Financial Standby Letters of Credit 0 2,683 1,185 Performance Standby Letters of Credit 0 11,566 1,295 Commercial Letters of Credit 0 2,358 18,364 Trade Related Guarantees 0 25 152 Commitments 0 85,038 78,518 Spot Foreign Exchange Contracts 0 0 3,367 Securities Held Under Custodianship by Bank Proper 0 0 0 Trust Department Accounts 0 39,131 318,589 a) Trust and Other Fiduciary Accounts 0 6,832 284,487 b) Agency Accounts 0 32,298 34,102 c) Advisory/Consultancy 0 0 0 Derivatives 0 2,534 30,232 Others 4 479 2,045 TOTAL CONTINGENT ACCOUNTS 4 143,812 454,121
ADDITIONAL INFORMATION Gross Total Loan Portfolio (TLP) 339 413,786 891,767 Specific allowance for credit losses on the TLP 4 5,376 11,090 Non-Performing Loans (NPL) a. Gross NPLs 0 9,818 18,766 b. Ratio of gross NPLs to gross TLP (%) 0.03 2.37 2.10 c. Net NPLs 0 4,858 12,040 d. Ratio of Net NPLs to gross TLP (%) 0.00 1.17 1.35 e. Ratio of total allowance for credit losses to gross NPLs (%) 6,799.18 85.93 86.75 f. Ratio of specific allowance for credit losses on the gross TLP to gross NPLs (%) 3,632.98 54.75 59.09 Classified Loans & Other Risk Assets, gross of allowance for credit losses 14 26,293 33,584 DOSRI Loans and receivables, gross of allowance for credit losses 0 46,927 114,045 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP (%) 0.04 11.34 12.78 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 31.01 4.47 7.39 b. 2% for Medium Enterprises 27.29 9.28 6.62 Return on Equity (ROE) (%) -56.11 10.64 13.43 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 21.14 11.92 12.74 b. Tier 1 CAR (%) 21.14 11.92 12.74 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: Department of Supervisory Analytics, Financial Supervision Sector
II. 34 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2019 In Million Pesos
FOREIGN BANK BRANCHES
AUSTRALIA AND NEW BANK OF CHINA ACCOUNTS BANGKOK BANK BANK OF AMERICA ZEALAND BANKING LIMITED-MANILA PUBLIC CO LTD N.A. GROUP LIMITED BRANCH
ASSETS Cash and Cash Items 20 5 15 27 Due from Bangko Sentral ng Pilipinas 2,373 353 12,308 4,680 Due from Other Banks 879 117 356 374 Financial Assets at Fair Value through Profit or Loss 955 14 43 39 Available-for-Sale Financial Assets, Net 14,244 603 5 1,826 Held-to-Maturity (HTM) Financial Assets, Net 0 36 0 725 Unquoted Debt Securities Classified as Loans, Net 0 0 0 0 Investments in Non-Marketable Equity Security, Net 0 0 0 0 Loans and Receivables, Net 38,197 8,784 11,506 24,932 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivable 2,925 1,211 5,367 769 Loans and Receivables - Others 4,231 7,604 462 23,290 Loans and Receivables Arising from RA/CA/PR/SLB 31,070 315 5,689 1,114 General Loan Loss Provision 28 346 13 241 Other Financial Assets 248 35 17 232 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 0 0 0 0 Bank Premises, Furniture, Fixture and Equipment, Net 41 37 95 399 Real and Other Properties Acquired, Net 0 0 0 0 Non-Current Assets Held for Sale 0 0 0 0 Other Assets, Net 327 160 32 153 Net Due from Head Office/Branches/Agencies, if any (Philippine branch of a foreign bank) 0 0 0 0 TOTAL ASSETS 57,283 10,143 24,377 33,386
LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 1,017 14 43 39 Deposit Liabilities 17,618 3,281 17,548 18,243 Due to Other Banks 0 0 0 0 Bills Payable 211 14 0 309 a) BSP (Rediscounting and Other Advances) 0 0 0 0 b) Interbank Loans Payable 211 0 0 309 c) Other Deposit Substitutes 0 0 0 0 d) Others 0 14 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 16 0 4 0 Other Financial Liabilities 156 296 1,028 333 Other Liabilities 240 37 155 623 Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign bank) 33,632 99 653 3,453 TOTAL LIABILITIES 52,889 3,741 19,430 23,000
STOCKHOLDERS' EQUITY Capital Stock 0 0 0 0 Other Capital Accounts 117 128 320 527 Retained Earnings 51 0 0 -118 Assigned Capital 4,225 6,274 4,626 9,977 TOTAL STOCKHOLDERS' EQUITY 4,393 6,402 4,947 10,386
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 57,283 10,143 24,377 33,386
II. 35 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2019 In Million Pesos
FOREIGN BANK BRANCHES
AUSTRALIA AND NEW BANK OF CHINA ACCOUNTS BANGKOK BANK BANK OF AMERICA ZEALAND BANKING LIMITED-MANILA PUBLIC CO LTD N.A. GROUP LIMITED BRANCH
CONTINGENT ACCOUNTS Guarantees Issued 1,931 0 0 329 Financial Standby Letters of Credit 2,058 0 0 0 Performance Standby Letters of Credit 1,322 0 154 22,406 Commercial Letters of Credit 154 941 0 1,400 Trade Related Guarantees 24 0 0 0 Commitments 170 0 1 2,738 Spot Foreign Exchange Contracts 12,084 0 84 46 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 94,112 1,330 2,029 12,525 Others 64,645 91 9 0 TOTAL CONTINGENT ACCOUNTS 176,500 2,361 2,276 39,444
ADDITIONAL INFORMATION Gross Total Loan Portfolio (TLP) 38,226 9,358 11,519 25,173.60 Specific allowance for credit losses on the TLP 0 228 0 0.80 Non-Performing Loans (NPL) a. Gross NPLs 0 99 0 0.00 b. Ratio of gross NPLs to gross TLP (%) 0.00 1.06 0.00 0.00 c. Net NPLs 0 0 0 0 d. Ratio of Net NPLs to gross TLP (%) 0.00 0.00 0.00 0.00 e. Ratio of total allowance for credit losses to gross NPLs (%) 0.00 578.86 0.00 0.00 f. Ratio of specific allowance for credit losses on the gross TLP to gross NPLs (%) 0.00 230.05 0.00 0.00 Classified Loans & Other Risk Assets, gross of allowance for credit losses 270 1,361 2 24,060 DOSRI Loans and receivables, gross of allowance for credit losses 36 0 29 0 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP (%) 0.09 0.00 0.25 0.00 Gross non-performing DOSRI loans and receivables 0 0 0 0 Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0.00 0.00 0.00 0.00 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 0.00 0.04 0.00 0.00 b. 2% for Medium Enterprises 3.87 0.24 0.00 0.00 Return on Equity (ROE) (%) 3.65 2.38 13.60 4.96 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 29.43 70.64 105.62 31.31 b. Tier 1 CAR (%) 29.43 70.64 105.62 31.31 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: Department of Supervisory Analytics, Financial Supervision Sector
II. 36 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2019 In Million Pesos
FOREIGN BANK BRANCHES
CATHAY UNITED BANK CHANG HWA ACCOUNTS CIMB BANK PHILIPPINES CO LTD - MANILA COMMERCIAL BANK CITIBANK, N.A. INC BRANCH LTD - MANILA BRANCH
ASSETS Cash and Cash Items 4 0 2 629 Due from Bangko Sentral ng Pilipinas 1,948 45 826 47,756 Due from Other Banks 72 2,038 1,976 1,560 Financial Assets at Fair Value through Profit or Loss 0 0 0 5,410 Available-for-Sale Financial Assets, Net 200 605 0 44,331 Held-to-Maturity (HTM) Financial Assets, Net 1,086 0 0 0 Unquoted Debt Securities Classified as Loans, Net 0 0 0 0 Investments in Non-Marketable Equity Security, Net 0 0 0 0 Loans and Receivables, Net 3,350 1,337 180 214,991 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivable 405 0 0 8,608 Loans and Receivables - Others 2,910 1,351 196 123,854 Loans and Receivables Arising from RA/CA/PR/SLB 64 0 0 84,025 General Loan Loss Provision 29 14 17 1,496 Other Financial Assets 21 15 16 1,531 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 0 0 0 227 Bank Premises, Furniture, Fixture and Equipment, Net 20 86 186 1,208 Real and Other Properties Acquired, Net 0 0 0 0 Non-Current Assets Held for Sale 0 0 0 0 Other Assets, Net 55 9 477 10,093 Net Due from Head Office/Branches/Agencies, if any (Philippine branch of a foreign bank) 0 0 209 0 TOTAL ASSETS 6,755 4,135 3,871 327,737
LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 0 0 0 1,340 Deposit Liabilities 34 0 949 204,636 Due to Other Banks 0 0 0 16,149 Bills Payable 0 0 0 28 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 28 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 21 70 82 13,061 Other Liabilities 24 9 309 21,355 Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign bank) 1,380 1,818 0 47,482 TOTAL LIABILITIES 1,459 1,897 1,341 304,052
STOCKHOLDERS' EQUITY Capital Stock 0 0 0 0 Other Capital Accounts 126 38 -654 9,390 Retained Earnings 0 0 0 1,135 Assigned Capital 5,170 2,200 3,185 13,160 TOTAL STOCKHOLDERS' EQUITY 5,296 2,238 2,531 23,685
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 6,755 4,135 3,871 327,737
II. 37 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2019 In Million Pesos
FOREIGN BANK BRANCHES
CATHAY UNITED BANK CHANG HWA ACCOUNTS CIMB BANK PHILIPPINES CO LTD - MANILA COMMERCIAL BANK CITIBANK, N.A. INC BRANCH LTD - MANILA BRANCH
CONTINGENT ACCOUNTS Guarantees Issued 0 0 0 501 Financial Standby Letters of Credit 0 0 0 0 Performance Standby Letters of Credit 0 0 0 3,846 Commercial Letters of Credit 0 0 0 299 Trade Related Guarantees 0 0 0 2,522 Commitments 850 0 0 199,728 Spot Foreign Exchange Contracts 0 0 0 12,371 Securities Held Under Custodianship by Bank Proper 0 0 0 469,922 Trust Department Accounts 0 0 0 35 a) Trust and Other Fiduciary Accounts 0 0 0 35 b) Agency Accounts 0 0 0 0 c) Advisory/Consultancy 0 0 0 0 Derivatives 0 0 0 167,119 Others 0 0 0 526 TOTAL CONTINGENT ACCOUNTS 850 0 0 856,870
ADDITIONAL INFORMATION Gross Total Loan Portfolio (TLP) 3,379 1,351 209 218,816 Specific allowance for credit losses on the TLP 0 0 12 2,328 Non-Performing Loans (NPL) a. Gross NPLs 0 0 8 1,692 b. Ratio of gross NPLs to gross TLP (%) 0.00 0.00 3.80 0.77 c. Net NPLs 0 0 1 711 d. Ratio of Net NPLs to gross TLP (%) 0.00 0.00 0.47 0.32 e. Ratio of total allowance for credit losses to gross NPLs (%) 0.00 0.00 363.44 226.05 f. Ratio of specific allowance for credit losses on the gross TLP to gross NPLs (%) 0.00 0.00 154.07 137.61 Classified Loans & Other Risk Assets, gross of allowance for credit losses 0 0 0 4,553 DOSRI Loans and receivables, gross of allowance for credit losses 0 0 0 94 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP (%) 0.00 0.00 0.00 0.04 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 0.00 0.00 0.00 b. 2% for Medium Enterprises 0.00 0.00 0.00 0.02 Return on Equity (ROE) (%) 2.45 0.00 0.00 28.57 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 148.84 80.36 104.63 14.98 b. Tier 1 CAR (%) 148.84 80.36 104.63 14.98 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: Department of Supervisory Analytics, Financial Supervision Sector
II. 38 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2019 In Million Pesos
FOREIGN BANK BRANCHES
ACCOUNTS FIRST COMMERCIAL HONGKONG & HUA NAN DEUTSCHE BANK AG BANK LTD MANILA SHANGHAI BANKING COMMERCIAL BANK BRANCH CORP LTD MANILA BRANCH
ASSETS Cash and Cash Items 473 2 906 0 Due from Bangko Sentral ng Pilipinas 4,985 71 29,297 1,776 Due from Other Banks 1,351 42 18,718 39 Financial Assets at Fair Value through Profit or Loss 7,641 0 9,341 0 Available-for-Sale Financial Assets, Net 9,959 29 45,474 0 Held-to-Maturity (HTM) Financial Assets, Net 0 678 0 0 Unquoted Debt Securities Classified as Loans, Net 0 0 0 0 Investments in Non-Marketable Equity Security, Net 0 0 0 0 Loans and Receivables, Net 21,389 2,246 66,053 1,286 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivable 0 1,103 751 251 Loans and Receivables - Others 18,854 1,104 45,315 1,036 Loans and Receivables Arising from RA/CA/PR/SLB 2,724 53 20,784 0 General Loan Loss Provision 189 14 797 0 Other Financial Assets 145 12 547 6 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 0 0 2,658 0 Bank Premises, Furniture, Fixture and Equipment, Net 55 37 1,221 35 Real and Other Properties Acquired, Net 0 0 12 0 Non-Current Assets Held for Sale 0 0 0 0 Other Assets, Net 2,003 9 2,981 15 Net Due from Head Office/Branches/Agencies, if any (Philippine branch of a foreign bank) 0 0 0 0 TOTAL ASSETS 48,000 3,127 177,209 3,157
LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 578 0 6,835 0 Deposit Liabilities 24,607 274 102,391 168 Due to Other Banks 0 0 646 0 Bills Payable 0 0 24 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 24 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 3,579 32 5,142 25 Other Liabilities 3,165 16 4,193 21 Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign bank) 13,017 751 40,652 880 TOTAL LIABILITIES 44,945 1,074 159,882 1,094
STOCKHOLDERS' EQUITY Capital Stock 0 0 0 0 Other Capital Accounts 880 31 3,300 -37 Retained Earnings 0 -98 1,137 0 Assigned Capital 2,175 2,120 12,890 2,100 TOTAL STOCKHOLDERS' EQUITY 3,055 2,053 17,327 2,063
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 48,000 3,127 177,209 3,157
II. 39 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2019 In Million Pesos
FOREIGN BANK BRANCHES
ACCOUNTS FIRST COMMERCIAL HONGKONG & HUA NAN DEUTSCHE BANK AG BANK LTD MANILA SHANGHAI BANKING COMMERCIAL BANK BRANCH CORP LTD MANILA BRANCH
CONTINGENT ACCOUNTS Guarantees Issued 2,079 0 8,370 0 Financial Standby Letters of Credit 175 0 2,106 0 Performance Standby Letters of Credit 942 0 23,706 0 Commercial Letters of Credit 96 0 3,467 0 Trade Related Guarantees 4,322 0 587 0 Commitments 234 734 136,422 2 Spot Foreign Exchange Contracts 12,489 0 15,649 0 Securities Held Under Custodianship by Bank Proper 308,476 0 417,345 0 Trust Department Accounts 0 0 13,960 0 a) Trust and Other Fiduciary Accounts 0 0 13,960 0 b) Agency Accounts 0 0 0 0 c) Advisory/Consultancy 0 0 0 0 Derivatives 74,195 0 281,116 0 Others 278 0 1,994 0 TOTAL CONTINGENT ACCOUNTS 403,286 734 904,722 2
ADDITIONAL INFORMATION Gross Total Loan Portfolio (TLP) 21,577 2,260 67,694 1,300 Specific allowance for credit losses on the TLP 0 0 844 14 Non-Performing Loans (NPL) a. Gross NPLs 0 0 537 0 b. Ratio of gross NPLs to gross TLP (%) 0.00 0.00 0.79 0.00 c. Net NPLs 0 0 256 0 d. Ratio of Net NPLs to gross TLP (%) 0.00 0.00 0.37 0.00 e. Ratio of total allowance for credit losses to gross NPLs (%) 0.00 0.00 305.66 0.00 f. Ratio of specific allowance for credit losses on the gross TLP to gross NPLs (%) 0.00 0.00 157.25 0.00 Classified Loans & Other Risk Assets, gross of allowance for credit losses 0 0 2,725 0 DOSRI Loans and receivables, gross of allowance for credit losses 0 0 230 0 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP (%) 0.00 0.00 0.34 0.00 Gross non-performing DOSRI loans and receivables 0 0 0 0 Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0.00 0.00 0.00 0.00 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 0.00 0.00 0.00 0.00 b. 2% for Medium Enterprises 0.00 9.11 0.14 0.00 Return on Equity (ROE) (%) 14.42 0.98 16.89 0.00 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 20.32 115.09 19.25 135.50 b. Tier 1 CAR (%) 20.32 115.09 19.25 135.50 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: Department of Supervisory Analytics, Financial Supervision Sector
II. 40 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2019 In Million Pesos
FOREIGN BANK BRANCHES
INDUSTRIAL AND INDUSTRIAL BANK OF ACCOUNTS COMMERCIAL BANK JP MORGAN CHASE KOREA MANILA ING BANK N.V. OF CHINA LIMITED - BANK NATIONAL ASSN. BRANCH MANILA BRANCH
ASSETS Cash and Cash Items 0 1 4 2 Due from Bangko Sentral ng Pilipinas 38 2,111 3,575 10,158 Due from Other Banks 29 115 48 1,416 Financial Assets at Fair Value through Profit or Loss 0 16 2,070 1,245 Available-for-Sale Financial Assets, Net 21 55 17 6,252 Held-to-Maturity (HTM) Financial Assets, Net 3,643 46 2,777 0 Unquoted Debt Securities Classified as Loans, Net 0 0 0 0 Investments in Non-Marketable Equity Security, Net 0 0 0 0 Loans and Receivables, Net 2,723 4,666 12,423 23,439 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivable 0 500 0 0 Loans and Receivables - Others 2,751 4,213 7,717 2,829 Loans and Receivables Arising from RA/CA/PR/SLB 0 0 4,721 20,641 General Loan Loss Provision 28 47 15 31 Other Financial Assets 33 25 150 55 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 0 0 0 0 Bank Premises, Furniture, Fixture and Equipment, Net 153 8 270 104 Real and Other Properties Acquired, Net 0 0 0 0 Non-Current Assets Held for Sale 0 0 0 0 Other Assets, Net 12 13 641 291 Net Due from Head Office/Branches/Agencies, if any (Philippine branch of a foreign bank) 0 0 0 0 TOTAL ASSETS 6,653 7,056 21,976 42,963
LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 9 0 1,947 3,252 Deposit Liabilities 46 760 3,287 27,541 Due to Other Banks 0 0 0 0 Bills Payable 0 0 998 0 a) BSP (Rediscounting and Other Advances) 0 0 0 0 b) Interbank Loans Payable 0 0 998 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 8 30 232 318 Other Liabilities 103 35 505 780 Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign bank) 2,723 2,077 8,475 4,423 TOTAL LIABILITIES 2,889 2,901 15,444 36,314
STOCKHOLDERS' EQUITY Capital Stock 0 0 0 0 Other Capital Accounts -212 219 -572 146 Retained Earnings 0 0 65 0 Assigned Capital 3,976 3,935 7,038 6,503 TOTAL STOCKHOLDERS' EQUITY 3,764 4,154 6,532 6,650
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 6,653 7,056 21,976 42,963
II. 41 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2019 In Million Pesos
FOREIGN BANK BRANCHES
INDUSTRIAL AND INDUSTRIAL BANK OF ACCOUNTS COMMERCIAL BANK JP MORGAN CHASE KOREA MANILA ING BANK N.V. OF CHINA LIMITED - BANK NATIONAL ASSN. BRANCH MANILA BRANCH
CONTINGENT ACCOUNTS Guarantees Issued 0 23 2,664 0 Financial Standby Letters of Credit 0 51 97 0 Performance Standby Letters of Credit 820 0 409 0 Commercial Letters of Credit 0 15 0 0 Trade Related Guarantees 0 0 0 0 Commitments 0 18 750 0 Spot Foreign Exchange Contracts 0 0 9,165 6,406 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 0 0 100,475 56,021 Others 491 0 11,642 0 TOTAL CONTINGENT ACCOUNTS 1,311 107 125,201 62,427
ADDITIONAL INFORMATION Gross Total Loan Portfolio (TLP) 2,751 4,713 12,438 23,470 Specific allowance for credit losses on the TLP 0 0 0 0 Non-Performing Loans (NPL) a. Gross NPLs 0 0 0 0 b. Ratio of gross NPLs to gross TLP (%) 0.00 0.00 0.00 0.00 c. Net NPLs 0 0 0 0 d. Ratio of Net NPLs to gross TLP (%) 0.00 0.00 0.00 0.00 e. Ratio of total allowance for credit losses to gross NPLs (%) 0.00 0.00 0.00 0.00 f. Ratio of specific allowance for credit losses on the gross TLP to gross NPLs (%) 0.00 0.00 0.00 0.00 Classified Loans & Other Risk Assets, gross of allowance for credit losses 0 0 0 0 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 (%) 0.00 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 (%) 0.00 0.00 0.00 0.00 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 0.00 1.70 0.00 0.00 b. 2% for Medium Enterprises 0.00 5.63 0.00 0.00 Return on Equity (ROE) (%) -5.63 5.62 -4.64 20.30 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 191.48 82.23 67.42 76.03 b. Tier 1 CAR (%) 191.48 82.23 67.42 76.03 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: Department of Supervisory Analytics, Financial Supervision Sector
II. 42 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2019 In Million Pesos
FOREIGN BANK BRANCHES
ACCOUNTS KEB HANA BANK - MEGA INT'L COMM'L MIZUHO BANK LTD - MUFG BANK, LTD. MANILA BRANCH BANK CO LTD MANILA BRANCH
ASSETS Cash and Cash Items 13 10 14 6 Due from Bangko Sentral ng Pilipinas 2,794 3,180 9,879 8,342 Due from Other Banks 2,151 697 7,703 17,568 Financial Assets at Fair Value through Profit or Loss 0 0 931 931 Available-for-Sale Financial Assets, Net 1,887 2,094 0 6,573 Held-to-Maturity (HTM) Financial Assets, Net 0 84 3,890 13 Unquoted Debt Securities Classified as Loans, Net 0 0 0 0 Investments in Non-Marketable Equity Security, Net 0 0 0 0 Loans and Receivables, Net 8,903 11,566 48,395 40,195 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivable 340 3,375 3,038 1,013 Loans and Receivables - Others 8,041 8,108 40,811 31,711 Loans and Receivables Arising from RA/CA/PR/SLB 605 200 5,084 7,857 General Loan Loss Provision 83 117 539 386 Other Financial Assets 88 41 148 129 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 0 0 0 0 Bank Premises, Furniture, Fixture and Equipment, Net 3 125 88 186 Real and Other Properties Acquired, Net 0 0 0 0 Non-Current Assets Held for Sale 0 0 0 0 Other Assets, Net 20 57 87 135 Net Due from Head Office/Branches/Agencies, if any (Philippine branch of a foreign bank) 0 0 0 0 TOTAL ASSETS 15,859 17,855 71,133 74,079
LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 0 0 837 850 Deposit Liabilities 7,075 3,773 56,522 55,587 Due to Other Banks 0 0 0 2 Bills Payable 0 1,519 0 0 a) BSP (Rediscounting and Other Advances) 0 0 0 0 b) Interbank Loans Payable 0 1,519 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 24 0 Other Financial Liabilities 3 74 271 333 Other Liabilities 107 82 143 311 Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign bank) 2,594 8,765 4,134 6,740 TOTAL LIABILITIES 9,778 14,213 61,930 63,822
STOCKHOLDERS' EQUITY Capital Stock 0 0 0 0 Other Capital Accounts 392 244 603 469 Retained Earnings 0 0 0 0 Assigned Capital 5,689 3,399 8,600 9,787 TOTAL STOCKHOLDERS' EQUITY 6,081 3,643 9,203 10,256
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 15,859 17,855 71,133 74,079
II. 43 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2019 In Million Pesos
FOREIGN BANK BRANCHES
ACCOUNTS KEB HANA BANK - MEGA INT'L COMM'L MIZUHO BANK LTD - MUFG BANK, LTD. MANILA BRANCH BANK CO LTD MANILA BRANCH
CONTINGENT ACCOUNTS Guarantees Issued 1,163 0 0 7,377 Financial Standby Letters of Credit 1 0 5,237 4,271 Performance Standby Letters of Credit 3,349 0 26,107 3,221 Commercial Letters of Credit 0 0 978 769 Trade Related Guarantees 0 0 0 0 Commitments 14 3,711 30,805 14 Spot Foreign Exchange Contracts 0 17 7,132 3,008 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 0 0 61,455 52,781 Others 1,013 0 47 218 TOTAL CONTINGENT ACCOUNTS 5,540 3,727 131,761 71,659
ADDITIONAL INFORMATION Gross Total Loan Portfolio (TLP) 8,995 11,833 48,955 40,583 Specific allowance for credit losses on the TLP 8 150 21 2 Non-Performing Loans (NPL) a. Gross NPLs 23 86 0 0 b. Ratio of gross NPLs to gross TLP (%) 0.25 0.72 0.00 0.00 c. Net NPLs 15 0 0 0 d. Ratio of Net NPLs to gross TLP (%) 0.16 0.00 0.00 0.00 e. Ratio of total allowance for credit losses to gross NPLs (%) 397.31 308.60 0.00 0.00 f. Ratio of specific allowance for credit losses on the gross TLP to gross NPLs (%) 35.57 173.54 0.00 0.00 Classified Loans & Other Risk Assets, gross of allowance for credit losses 23 1,356 425 0 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 (%) 0.00 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 (%) 0.00 0.00 0.00 0.00 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 1.91 1.78 0.00 0.00 b. 2% for Medium Enterprises 1.02 8.88 0.00 1.33 Return on Equity (ROE) (%) 6.75 5.82 10.63 8.21 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 53.29 33.23 17.88 22.01 b. Tier 1 CAR (%) 53.29 33.23 17.88 22.01 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: Department of Supervisory Analytics, Financial Supervision Sector
II. 44 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2019 In Million Pesos
FOREIGN BANK BRANCHES
SUMITOMO MITSUI UNITED OVERSEAS ACCOUNTS SHINHAN BANK - STANDARD CHARTERED BANKING BANK LIMITED MANILA MANILA BRANCH BANK CORPORATION- BRANCH MANILA BRANCH
ASSETS Cash and Cash Items 65 4 4 1 Due from Bangko Sentral ng Pilipinas 620 18,514 5,298 1,567 Due from Other Banks 308 545 902 69 Financial Assets at Fair Value through Profit or Loss 0 3,548 458 0 Available-for-Sale Financial Assets, Net 17 19,232 1,533 43 Held-to-Maturity (HTM) Financial Assets, Net 260 0 0 0 Unquoted Debt Securities Classified as Loans, Net 0 0 0 0 Investments in Non-Marketable Equity Security, Net 0 0 0 0 Loans and Receivables, Net 4,121 14,493 27,241 2,823 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivable 850 3,291 2,010 0 Loans and Receivables - Others 3,076 9,761 20,340 2,612 Loans and Receivables Arising from RA/CA/PR/SLB 240 1,453 4,922 238 General Loan Loss Provision 45 12 32 27 Other Financial Assets 54 239 233 10 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 0 0 0 0 Bank Premises, Furniture, Fixture and Equipment, Net 9 133 149 36 Real and Other Properties Acquired, Net 0 0 0 0 Non-Current Assets Held for Sale 0 0 0 0 Other Assets, Net 33 1,109 64 12 Net Due from Head Office/Branches/Agencies, if any (Philippine branch of a foreign bank) 0 0 0 0 TOTAL ASSETS 5,487 57,817 35,882 4,561
LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 0 1,783 590 0 Deposit Liabilities 851 34,303 20,723 737 Due to Other Banks 0 5,033 0 0 Bills Payable 0 13 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 13 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 12 2,764 59 4 Other Liabilities 40 919 139 50 Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign bank) 267 5,819 1,264 1,341 TOTAL LIABILITIES 1,170 50,635 22,774 2,132
STOCKHOLDERS' EQUITY Capital Stock 0 0 0 0 Other Capital Accounts 117 280 107 62 Retained Earnings 0 129 0 -33 Assigned Capital 4,200 6,774 13,002 2,400 TOTAL STOCKHOLDERS' EQUITY 4,317 7,182 13,109 2,429
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 5,487 57,817 35,882 4,561
II. 45 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2019 In Million Pesos
FOREIGN BANK BRANCHES
SUMITOMO MITSUI UNITED OVERSEAS ACCOUNTS SHINHAN BANK - STANDARD CHARTERED BANKING BANK LIMITED MANILA MANILA BRANCH BANK CORPORATION- BRANCH MANILA BRANCH
CONTINGENT ACCOUNTS Guarantees Issued 4 0 12,193 0 Financial Standby Letters of Credit 71 0 0 0 Performance Standby Letters of Credit 1,857 13,694 0 0 Commercial Letters of Credit 0 92 9 0 Trade Related Guarantees 0 608 0 0 Commitments 317 2,845 0 0 Spot Foreign Exchange Contracts 0 15,673 1,654 0 Securities Held Under Custodianship by Bank Proper 0 193,794 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 0 129,728 16,438 0 Others 0 4 0 0 TOTAL CONTINGENT ACCOUNTS 2,249 356,439 30,294 0
ADDITIONAL INFORMATION Gross Total Loan Portfolio (TLP) 4,167 16,553 27,273 2,850 Specific allowance for credit losses on the TLP 0 2,048 0 0 Non-Performing Loans (NPL) a. Gross NPLs 0 2,564 0 0 b. Ratio of gross NPLs to gross TLP (%) 0.00 15.48 0.00 0.00 c. Net NPLs 0 516 0 0 d. Ratio of Net NPLs to gross TLP (%) 0.00 3.11 0.00 0.00 e. Ratio of total allowance for credit losses to gross NPLs (%) 0.00 80.33 0.00 0.00 f. Ratio of specific allowance for credit losses on the gross TLP to gross NPLs (%) 0.00 79.87 0.00 0.00 Classified Loans & Other Risk Assets, gross of allowance for credit losses 0 2,590 0 0 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 (%) 0.00 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 (%) 0.00 0.00 0.00 0.00 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 0.00 0.00 0.00 0.00 b. 2% for Medium Enterprises 1.04 0.03 0.00 0.00 Return on Equity (ROE) (%) 2.74 2.64 1.01 1.41 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 82.14 22.09 33.29 79.71 b. Tier 1 CAR (%) 82.14 22.09 33.29 79.71 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: Department of Supervisory Analytics, Financial Supervision Sector
II. 46 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2019 In Million Pesos
FOREIGN BANK SUBSIDIARIES
ACCOUNTS CTBC BANK MAYBANK PHILIPPINES (PHILIPPINES) CORP INCORPORATED
ASSETS Cash and Cash Items 726 1,525 Due from Bangko Sentral ng Pilipinas 4,288 9,742 Due from Other Banks 2,562 3,331 Financial Assets at Fair Value through Profit or Loss 81 367 Available-for-Sale Financial Assets, Net 6,421 2,861 Held-to-Maturity (HTM) Financial Assets, Net 2,864 11,539 Unquoted Debt Securities Classified as Loans, Net 0 0 Investments in Non-Marketable Equity Security, Net 0 0 Loans and Receivables, Net 37,913 66,879 Loans to Bangko Sentral ng Pilipinas 0 0 Interbank Loans Receivable 3,747 15 Loans and Receivables - Others 34,654 67,590 Loans and Receivables Arising from RA/CA/PR/SLB 0 0 General Loan Loss Provision 487 725 Other Financial Assets 253 1,170 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 0 0 Bank Premises, Furniture, Fixture and Equipment, Net 490 1,137 Real and Other Properties Acquired, Net 104 1,140 Non-Current Assets Held for Sale 0 0 Other Assets, Net 882 5,363 Net Due from Head Office/Branches/Agencies, if any (Philippine branch of a foreign bank) 0 0 TOTAL ASSETS 56,584 105,056
LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 99 288 Deposit Liabilities 37,666 75,749 Due to Other Banks 0 0 Bills Payable 4,774 8,913 a) BSP (Rediscounting and Other Advances) 0 0 b) Interbank Loans Payable 4,774 8,912 c) Other Deposit Substitutes 0 1 d) Others 0 0 Bonds Payable, Net 0 0 Unsecured Subordinated Debt, Net 0 1,992 Redeemable Preferred Shares 0 0 Special Time Deposit 0 0 Due to Bangko Sentral ng Pilipinas 0 0 Other Financial Liabilities 271 1,268 Other Liabilities 4,573 3,017 Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign bank) 0 0 TOTAL LIABILITIES 47,384 91,227
STOCKHOLDERS' EQUITY Capital Stock 4,073 10,808 Other Capital Accounts 374 817 Retained Earnings 4,753 2,204 Assigned Capital 0 0 TOTAL STOCKHOLDERS' EQUITY 9,201 13,829
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 56,584 105,056
II. 47 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2019 In Million Pesos
FOREIGN BANK SUBSIDIARIES
ACCOUNTS CTBC BANK MAYBANK PHILIPPINES (PHILIPPINES) CORP INCORPORATED
CONTINGENT ACCOUNTS Guarantees Issued 0 669 Financial Standby Letters of Credit 2,204 277 Performance Standby Letters of Credit 90 250 Commercial Letters of Credit 249 245 Trade Related Guarantees 0 788 Commitments 1,247 13,759 Spot Foreign Exchange Contracts 2,786 785 Securities Held Under Custodianship by Bank Proper 0 0 Trust Department Accounts 1,712 7,169 a) Trust and Other Fiduciary Accounts 573 3,060 b) Agency Accounts 1,139 4,108 c) Advisory/Consultancy 0 0 Derivatives 5,017 39,006 Others 194 42,856 TOTAL CONTINGENT ACCOUNTS 13,499 105,804
ADDITIONAL INFORMATION Gross Total Loan Portfolio (TLP) 38,860 68,847 Specific allowance for credit losses on the TLP 459 1,243 Non-Performing Loans (NPL) a. Gross NPLs 891 1,948 b. Ratio of gross NPLs to gross TLP (%) 2.29 2.82 c. Net NPLs 491 1,039 d. Ratio of Net NPLs to gross TLP (%) 1.26 1.50 e. Ratio of total allowance for credit losses to gross NPLs (%) 106.23 100.99 f. Ratio of specific allowance for credit losses on the gross TLP to gross NPLs (%) 51.54 63.79 Classified Loans & Other Risk Assets, gross of allowance for credit losses 1,259 6,347 DOSRI Loans and receivables, gross of allowance for credit losses 18 130 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP (%) 0.04 0.18 Gross non-performing DOSRI loans and receivables 0 0 Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0.00 0.00 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 3.66 4.34 b. 2% for Medium Enterprises 3.38 4.04 Return on Equity (ROE) (%) 4.31 6.08 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 19.07 14.23 b. Tier 1 CAR (%) 19.07 14.23
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: Department of Supervisory Analytics, Financial Supervision Sector
II. 48 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2019 In Million Pesos
THRIFT BANKS
1ST VALLEY BANK INC BANGKO KABAYAN ACCOUNTS ALLBANK (A THRIFT TOTAL A DEVELOPMENT INC (A PRIVATE BANK) INC BANK DEVELOPMENT BANK)
ASSETS Cash and Cash Items 11,981 95 68 69 Due from Bangko Sentral ng Pilipinas 90,403 267 1,157 376 Due from Other Banks 32,024 840 347 355 Financial Assets at Fair Value through Profit or Loss 7,764 0 0 0 Available for Sale Financial Assets, Net 31,220 0 0 173 Held to Maturity (HTM) Financial Assets, Net 65,316 204 34 135 Unquoted Debt Securities Classified as Loans, Net 0 0 0 0 Investments in Non-Marketable Equity Security, Net 0 0 0 0 Loans and Receivables, Net 835,197 6,836 3,777 1,828 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivables 690 0 0 0 Loans and Receivables - Others 807,414 6,905 2,547 1,799 Loans and Receivables Arising from Repo, CA/Participation 34,217 0 1,252 36 General Loan Loss Provision 7,124 69 21 7 Other Financial Assets 11,833 242 17 75 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 3,724 59 0 0 Bank Premises, Furniture, Fixture and Equipment, Net 14,657 187 59 107 Real and Other Properties Acquired , Net 14,541 175 59 88 Non-Current Assets Held for Sale 1,631 0 0 0 Other Assets, Net 31,808 303 206 41 Due from Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL ASSETS 1,152,099 9,208 5,724 3,247
LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 0 0 0 0 Deposit Liabilities 892,673 4,571 4,419 2,555 Due to Other Banks 16 0 0 0 Bills Payable 34,453 1,828 0 0 a) BSP (Rediscounting and Other Advances) 0 0 0 0 b) Interbank Loans Payable 24,235 0 0 0 c) Other Deposit Substitutes 2,071 0 0 0 d) Others 8,147 1,828 0 0 Bonds Payable, Net 18,810 0 0 0 Unsecured Subordinated Debt, Net 1,000 0 0 0 Redeemable Preferred Shares 122 0 0 0 Special Time Deposit 0 0 0 0 Due to Bangko Sentral ng Pilipinas 19 0 0 0 Other Financial Liabilities 14,718 254 74 25 Other Liabilities 22,114 182 136 68 Due to Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL LIABILITIES 983,926 6,834 4,628 2,647
STOCKHOLDERS' EQUITY Capital Stock 78,072 766 947 368 Other Capital Accounts 16,894 289 34 63 Retained Earnings 73,206 1,318 115 169 Assigned Capital 0 0 0 0 TOTAL STOCKHOLDERS' EQUITY 168,172 2,374 1,096 600
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 1,152,099 9,208 5,724 3,247
II. 49 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2019 In Million Pesos
THRIFT BANKS
1ST VALLEY BANK INC BANGKO KABAYAN ACCOUNTS ALLBANK (A THRIFT TOTAL A DEVELOPMENT INC (A PRIVATE BANK) INC BANK DEVELOPMENT BANK)
CONTINGENT ACCOUNTS Guarantees Issued 12 0 0 0 Financial Standby Letters of Credit 196 0 0 0 Performance Standby Letters of Credit 224 0 0 0 Commercial Letters of Credit 867 0 0 0 Trade Related Guarantees 263 0 0 0 Commitments 2,357 0 0 27 Spot Foreign Exchange Contracts 736 0 0 0 Securities Held Under Custodianship by Bank Proper 0 0 0 0 Trust Department Accounts 22,775 0 0 0 a) Trust and Other Fudiciary Accounts 7,373 0 0 0 b) Agency Accounts 15,401 0 0 0 c) Advisory/Consultancy 0 0 0 0 Derivatives 304 0 0 0 Others 1,080 0 0 0 TOTAL CONTINGENT ACCOUNTS 28,813 0 0 27
OTHER INFORMATION Gross Total Loan Portfolio (TLP) 860,001 7,030 3,833 1,843 Specific allowance for credit losses on the TLP 17,679 126 34 8 Non-Performing Loans (NPL) 0 a. Gross NPLs 51,657 432 103 66 b. Ratio of gross NPLs to gross TLP (%) 6.15 2.69 3.56 c. Net NPLs 37,343 313 77 58 d. Ratio of Net NPLs to gross TLP (%) 4.45 2.01 3.12 e. Ratio of total allowance for credit losses to gross NPLs (%) 44.97 54.02 23.20 f. Ratio of specific allowance for credit losses on the gross TLP to gross NPLs (%) 29.09 33.38 12.43 Classified Loans & Other Risk Assets, gross of allowance for credit losses 78,689 478 224 156 DOSRI Loans and receivables, gross of allowance for credit losses 4,004 36 0 1 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP (%) 0.51 0.00 0.04 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 Percent Compliance with Magna Carta (%) 0 a. 8% Micro and Small Enterprises 18.06 4.16 37.66 b. 2% for Medium Enterprises 8.79 6.86 34.10 Return on Equity (ROE) (%) 13.44 3.00 13.83 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 21.91 36.15 19.40 b. Tier 1 CAR (%) 0.00 0.00 0.00 Deferred Charges not yet Written Down 716 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: Department of Supervisory Analytics, Financial Supervision Sector
II. 50 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2019 In Million Pesos
THRIFT BANKS
BPI DIRECT BANKO ACCOUNTS BANK OF MAKATI (A BANK ONE SAVINGS BATAAN INC A SAVINGS SAVINGS BANK) INC CORPORATION DEVELOPMENT BANK BANK
ASSETS Cash and Cash Items 71 19 11 217 Due from Bangko Sentral ng Pilipinas 2,972 242 21 2,192 Due from Other Banks 342 52 112 1,130 Financial Assets at Fair Value through Profit or Loss 0 0 0 0 Available for Sale Financial Assets, Net 120 12 0 0 Held to Maturity (HTM) Financial Assets, Net 2,462 17 2 0 Unquoted Debt Securities Classified as Loans, Net 0 0 0 0 Investments in Non-Marketable Equity Security, Net 0 0 0 0 Loans and Receivables, Net 30,281 1,055 258 12,465 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivables 0 0 0 0 Loans and Receivables - Others 27,315 807 263 12,372 Loans and Receivables Arising from Repo, CA/Participation 2,966 254 0 393 General Loan Loss Provision 0 6 4 301 Other Financial Assets 705 10 27 126 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 1,096 0 0 0 Bank Premises, Furniture, Fixture and Equipment, Net 160 5 5 984 Real and Other Properties Acquired , Net 217 152 29 62 Non-Current Assets Held for Sale 519 0 0 1 Other Assets, Net 1,214 27 1 657 Due from Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL ASSETS 40,158 1,591 466 17,834
LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 0 0 0 0 Deposit Liabilities 25,891 916 345 13,961 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 1,635 6 3 520 Other Liabilities 1,100 20 10 751 Due to Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL LIABILITIES 28,627 942 358 15,232
STOCKHOLDERS' EQUITY Capital Stock 5,000 330 69 406 Other Capital Accounts 2,553 35 12 258 Retained Earnings 3,978 285 27 1,939 Assigned Capital 0 0 0 0 TOTAL STOCKHOLDERS' EQUITY 11,531 649 108 2,602
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 40,158 1,591 466 17,834
II. 51 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2019 In Million Pesos
THRIFT BANKS
BPI DIRECT BANKO ACCOUNTS BANK OF MAKATI (A BANK ONE SAVINGS BATAAN INC A SAVINGS SAVINGS BANK) INC CORPORATION DEVELOPMENT BANK 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) 32,057 1,099 282 13,392 Specific allowance for credit losses on the TLP 1,777 38 20 626 Non-Performing Loans (NPL) a. Gross NPLs 2,771 45 41 1,017 b. Ratio of gross NPLs to gross TLP (%) 8.64 4.14 14.45 7.59 c. Net NPLs 1,361 36 27 391 d. Ratio of Net NPLs to gross TLP (%) 4.24 3.25 9.65 2.91 e. Ratio of total allowance for credit losses to gross NPLs (%) 64.10 96.35 58.81 91.12 f. Ratio of specific allowance for credit losses on the gross TLP to gross NPLs (%) 64.10 83.05 48.50 61.57 Classified Loans & Other Risk Assets, gross of allowance for credit losses 3,728 248 102 986 DOSRI Loans and receivables, gross of allowance for credit losses 221 0 0 0 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP (%) 0.69 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 (%) 0.00 0.00 0.00 0.00 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 5.47 52.17 35.56 35.35 b. 2% for Medium Enterprises 1.26 17.56 3.57 0.04 Return on Equity (ROE) (%) 23.79 3.96 11.97 10.88 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 23.99 53.34 22.26 15.18 b. Tier 1 CAR (%) 0.00 0.00 0.00 15.18 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: Department of Supervisory Analytics, Financial Supervision Sector
II. 52 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2019 In Million Pesos
THRIFT BANKS
ACCOUNTS BPI FAMILY SAVINGS CARD SME BANK INC CENTURY SAVINGS CHINA BANK BANK INC A THRIFT BANK BANK CORPORATION SAVINGS INC
ASSETS Cash and Cash Items 1,035 26 5 1,618 Due from Bangko Sentral ng Pilipinas 23,538 670 142 11,521 Due from Other Banks 4,717 244 84 2,376 Financial Assets at Fair Value through Profit or Loss 2,011 0 0 0 Available for Sale Financial Assets, Net 2,877 0 54 948 Held to Maturity (HTM) Financial Assets, Net 19,726 200 70 3,693 Unquoted Debt Securities Classified as Loans, Net 0 0 0 0 Investments in Non-Marketable Equity Security, Net 0 0 0 0 Loans and Receivables, Net 220,679 6,130 778 71,807 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivables 0 0 0 0 Loans and Receivables - Others 220,452 6,160 755 65,013 Loans and Receivables Arising from Repo, CA/Participation 2,966 0 35 7,009 General Loan Loss Provision 2,739 29 12 215 Other Financial Assets 2,488 2 109 1,421 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 0 0 9 2 Bank Premises, Furniture, Fixture and Equipment, Net 1,765 165 108 1,834 Real and Other Properties Acquired , Net 1,784 1 60 2,013 Non-Current Assets Held for Sale 246 0 0 459 Other Assets, Net 3,346 435 9 5,143 Due from Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL ASSETS 284,213 7,873 1,428 102,836
LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 0 0 0 0 Deposit Liabilities 233,005 4,857 403 89,198 Due to Other Banks 0 0 0 0 Bills Payable 0 1,164 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 1,164 0 0 Bonds Payable, Net 9,510 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 3,870 68 5 1,491 Other Liabilities 4,379 278 23 1,718 Due to Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL LIABILITIES 250,764 6,366 431 92,406
STOCKHOLDERS' EQUITY Capital Stock 1,000 1,000 911 11,029 Other Capital Accounts 3,474 402 67 763 Retained Earnings 28,975 105 19 -1,362 Assigned Capital 0 0 0 0 TOTAL STOCKHOLDERS' EQUITY 33,449 1,507 997 10,430
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 284,213 7,873 1,428 102,836
II. 53 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2019 In Million Pesos
THRIFT BANKS
ACCOUNTS BPI FAMILY SAVINGS CARD SME BANK INC CENTURY SAVINGS CHINA BANK BANK INC A THRIFT BANK BANK CORPORATION SAVINGS 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 0 117 Commercial Letters of Credit 0 0 0 0 Trade Related Guarantees 0 0 0 0 Commitments 1,889 0 0 334 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 205 500 0 35 TOTAL CONTINGENT ACCOUNTS 2,095 500 0 487
OTHER INFORMATION Gross Total Loan Portfolio (TLP) 226,319 6,330 798 73,904 Specific allowance for credit losses on the TLP 2,901 170 7 1,882 Non-Performing Loans (NPL) a. Gross NPLs 11,087 193 45 4,008 b. Ratio of gross NPLs to gross TLP (%) 4.89 3.05 5.58 5.42 c. Net NPLs 9,121 67 37 2,193 d. Ratio of Net NPLs to gross TLP (%) 4.03 1.05 4.69 2.96 e. Ratio of total allowance for credit losses to gross NPLs (%) 50.87 102.97 43.88 60.84 f. Ratio of specific allowance for credit losses on the gross TLP to gross NPLs (%) 26.17 87.82 16.32 46.95 Classified Loans & Other Risk Assets, gross of allowance for credit losses 13,799 0 117 8,229 DOSRI Loans and receivables, gross of allowance for credit losses 2 100 25 6 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP (%) 0.00 1.58 3.13 0.00 Gross non-performing DOSRI loans and receivables 0 0 0 0 Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0.00 0.00 0.00 0.00 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 4.97 18.59 5.56 1.53 b. 2% for Medium Enterprises 2.93 1.79 4.96 6.88 Return on Equity (ROE) (%) 11.86 27.36 2.00 6.68 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 17.45 18.36 69.17 11.01 b. Tier 1 CAR (%) 17.45 0.00 0.00 11.01 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: Department of Supervisory Analytics, Financial Supervision Sector
II. 54 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2019 In Million Pesos
THRIFT BANKS
ACCOUNTS CITY SAVINGS BANK CITYSTATE SAVINGS CORDILLERA DUMAGUETE CITY INC BANK INC SAVINGS BANK INC DEV BANK INC
ASSETS Cash and Cash Items 541 62 1 18 Due from Bangko Sentral ng Pilipinas 5,933 409 19 54 Due from Other Banks 2,629 330 53 205 Financial Assets at Fair Value through Profit or Loss 0 0 0 0 Available for Sale Financial Assets, Net 0 270 92 274 Held to Maturity (HTM) Financial Assets, Net 46 75 10 56 Unquoted Debt Securities Classified as Loans, Net 0 0 0 0 Investments in Non-Marketable Equity Security, Net 0 0 0 0 Loans and Receivables, Net 56,899 2,155 223 762 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivables 0 0 0 0 Loans and Receivables - Others 51,081 2,101 225 767 Loans and Receivables Arising from Repo, CA/Participation 6,327 66 0 0 General Loan Loss Provision 508 12 2 6 Other Financial Assets 766 138 13 29 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 1,014 0 0 0 Bank Premises, Furniture, Fixture and Equipment, Net 1,103 177 13 39 Real and Other Properties Acquired , Net 1,050 231 10 22 Non-Current Assets Held for Sale 0 0 0 0 Other Assets, Net 6,814 292 14 31 Due from Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL ASSETS 76,795 4,139 449 1,489
LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 0 0 0 0 Deposit Liabilities 46,258 3,283 281 1,129 Due to Other Banks 0 0 0 0 Bills Payable 12,957 0 0 0 a) BSP (Rediscounting and Other Advances) 0 0 0 0 b) Interbank Loans Payable 11,880 0 0 0 c) Other Deposit Substitutes 0 0 0 0 d) Others 1,077 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 306 134 1 6 Other Liabilities 1,943 64 26 10 Due to Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL LIABILITIES 61,464 3,481 308 1,145
STOCKHOLDERS' EQUITY Capital Stock 1,196 1,002 80 120 Other Capital Accounts 917 39 3 31 Retained Earnings 13,219 -384 58 193 Assigned Capital 0 0 0 0 TOTAL STOCKHOLDERS' EQUITY 15,332 657 141 344
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 76,795 4,139 449 1,489
II. 55 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2019 In Million Pesos
THRIFT BANKS
ACCOUNTS CITY SAVINGS BANK CITYSTATE SAVINGS CORDILLERA DUMAGUETE CITY INC BANK INC SAVINGS BANK INC DEV 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 45 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 1,357 0 0 a) Trust and Other Fudiciary Accounts 0 1,357 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 2 TOTAL CONTINGENT ACCOUNTS 0 1,404 0 2
OTHER INFORMATION Gross Total Loan Portfolio (TLP) 58,256 2,221 237 796 Specific allowance for credit losses on the TLP 849 54 13 29 Non-Performing Loans (NPL) a. Gross NPLs 3,395 216 17 80 b. Ratio of gross NPLs to gross TLP (%) 5.82 9.73 7.25 10.00 c. Net NPLs 2,604 162 8 56 d. Ratio of Net NPLs to gross TLP (%) 4.47 7.30 3.35 6.97 e. Ratio of total allowance for credit losses to gross NPLs (%) 39.98 30.27 83.57 43.06 f. Ratio of specific allowance for credit losses on the gross TLP to gross NPLs (%) 25.00 24.91 73.03 36.13 Classified Loans & Other Risk Assets, gross of allowance for credit losses 7,178 0 141 171 DOSRI Loans and receivables, gross of allowance for credit losses 622 15 0 73 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP (%) 1.06 0.65 0.00 9.12 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 0.72 20.36 16.75 13.83 b. 2% for Medium Enterprises 0.21 15.03 7.52 14.99 Return on Equity (ROE) (%) 10.15 -0.95 11.62 11.65 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 13.73 13.29 36.49 25.86 b. Tier 1 CAR (%) 13.73 0.00 0.00 0.00 Deferred Charges not yet Written Down 715 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: Department of Supervisory Analytics, Financial Supervision Sector
II. 56 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2019 In Million Pesos
THRIFT BANKS
ACCOUNTS ENTERPRISE BANK INC EQUICOM SAVINGS FARMERS SAVINGS & FIRST CONSOLIDATED (A THRIFT BANK) BANK INC LOAN BANK INC BANK INC (A PDB)
ASSETS Cash and Cash Items 51 95 9 648 Due from Bangko Sentral ng Pilipinas 250 2,817 43 5,211 Due from Other Banks 106 364 411 903 Financial Assets at Fair Value through Profit or Loss 0 0 0 0 Available for Sale Financial Assets, Net 0 21 0 0 Held to Maturity (HTM) Financial Assets, Net 38 25 1 2 Unquoted Debt Securities Classified as Loans, Net 0 0 0 0 Investments in Non-Marketable Equity Security, Net 0 0 0 0 Loans and Receivables, Net 1,414 5,296 127 11,168 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivables 0 0 0 0 Loans and Receivables - Others 1,426 4,517 128 9,671 Loans and Receivables Arising from Repo, CA/Participation 0 817 0 1,669 General Loan Loss Provision 12 38 1 172 Other Financial Assets 7 71 7 113 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 0 0 25 0 Bank Premises, Furniture, Fixture and Equipment, Net 74 40 19 684 Real and Other Properties Acquired , Net 123 123 113 170 Non-Current Assets Held for Sale 0 0 17 0 Other Assets, Net 192 417 17 384 Due from Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL ASSETS 2,254 9,270 788 19,283
LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 0 0 0 0 Deposit Liabilities 1,671 7,997 437 12,477 Due to Other Banks 0 0 0 0 Bills Payable 200 0 0 835 a) BSP (Rediscounting and Other Advances) 0 0 0 0 b) Interbank Loans Payable 176 0 0 0 c) Other Deposit Substitutes 0 0 0 0 d) Others 24 0 0 835 Bonds Payable, Net 0 0 0 0 Unsecured Subordinated Debt, Net 0 0 0 0 Redeemable Preferred Shares 52 0 0 0 Special Time Deposit 0 0 0 0 Due to Bangko Sentral ng Pilipinas 0 0 0 0 Other Financial Liabilities 24 77 7 293 Other Liabilities 49 247 209 384 Due to Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL LIABILITIES 1,995 8,321 652 13,989
STOCKHOLDERS' EQUITY Capital Stock 274 1,508 60 870 Other Capital Accounts -4 195 5 613 Retained Earnings -11 -754 71 3,811 Assigned Capital 0 0 0 0 TOTAL STOCKHOLDERS' EQUITY 259 948 136 5,294
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 2,254 9,270 788 19,283
II. 57 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2019 In Million Pesos
THRIFT BANKS
ACCOUNTS ENTERPRISE BANK INC EQUICOM SAVINGS FARMERS SAVINGS & FIRST CONSOLIDATED (A THRIFT BANK) BANK INC LOAN BANK INC BANK INC (A PDB)
CONTINGENT ACCOUNTS Guarantees Issued 0 0 0 0 Financial Standby Letters of Credit 0 11 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 3 0 95 TOTAL CONTINGENT ACCOUNTS 0 15 0 95
OTHER INFORMATION Gross Total Loan Portfolio (TLP) 1,603 5,683 164 11,773 Specific allowance for credit losses on the TLP 178 349 36 434 Non-Performing Loans (NPL) a. Gross NPLs 399 841 34 913 b. Ratio of gross NPLs to gross TLP (%) 24.87 14.80 20.70 7.75 c. Net NPLs 221 492 0 492 d. Ratio of Net NPLs to gross TLP (%) 13.78 8.65 0.00 4.17 e. Ratio of total allowance for credit losses to gross NPLs (%) 47.61 45.97 110.38 66.34 f. Ratio of specific allowance for credit losses on the gross TLP to gross NPLs (%) 44.57 41.50 106.72 47.49 Classified Loans & Other Risk Assets, gross of allowance for credit losses 0 1,041 0 1,162 DOSRI Loans and receivables, gross of allowance for credit losses 7 0 0 12 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP (%) 0.42 0.00 0.00 0.10 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 23.09 19.07 44.45 11.46 b. 2% for Medium Enterprises 7.78 9.31 1.69 5.11 Return on Equity (ROE) (%) 0.00 9.19 3.86 10.72 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 8.32 12.29 11.74 35.40 b. Tier 1 CAR (%) 0.00 0.00 0.00 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: Department of Supervisory Analytics, Financial Supervision Sector
II. 58 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2019 In Million Pesos
THRIFT BANKS
ACCOUNTS HIYAS BANKING HSBC SAVINGS INTER-ASIA ISLA BANK(A THRIFT CORPORATION BANK(PHILS) INC DEVELOPMENT BANK BANK) INC
ASSETS Cash and Cash Items 8 208 10 7 Due from Bangko Sentral ng Pilipinas 85 533 22 250 Due from Other Banks 164 1,456 176 17 Financial Assets at Fair Value through Profit or Loss 0 0 0 0 Available for Sale Financial Assets, Net 0 8,652 3 0 Held to Maturity (HTM) Financial Assets, Net 594 0 0 412 Unquoted Debt Securities Classified as Loans, Net 0 0 0 0 Investments in Non-Marketable Equity Security, Net 0 0 0 0 Loans and Receivables, Net 325 2,789 360 660 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivables 0 618 0 0 Loans and Receivables - Others 328 2,036 364 323 Loans and Receivables Arising from Repo, CA/Participation 0 182 0 340 General Loan Loss Provision 2 47 3 3 Other Financial Assets 126 54 4 7 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 0 0 0 0 Bank Premises, Furniture, Fixture and Equipment, Net 64 46 22 4 Real and Other Properties Acquired , Net 28 4 15 0 Non-Current Assets Held for Sale 0 0 0 0 Other Assets, Net 48 145 5 31 Due from Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL ASSETS 1,441 13,885 616 1,389
LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 0 0 0 0 Deposit Liabilities 1,166 11,664 281 587 Due to Other Banks 0 0 0 0 Bills Payable 70 152 0 0 a) BSP (Rediscounting and Other Advances) 0 0 0 0 b) Interbank Loans Payable 30 132 0 0 c) Other Deposit Substitutes 40 0 0 0 d) Others 0 20 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 99 5 5 Other Liabilities 12 99 235 22 Due to Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL LIABILITIES 1,253 12,013 520 613
STOCKHOLDERS' EQUITY Capital Stock 88 1,492 197 567 Other Capital Accounts 0 216 17 16 Retained Earnings 101 164 -118 194 Assigned Capital 0 0 0 0 TOTAL STOCKHOLDERS' EQUITY 188 1,872 96 776
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 1,441 13,885 616 1,389
II. 59 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2019 In Million Pesos
THRIFT BANKS
ACCOUNTS HIYAS BANKING HSBC SAVINGS INTER-ASIA ISLA BANK(A THRIFT CORPORATION BANK(PHILS) INC DEVELOPMENT 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 43 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 43 0 0
OTHER INFORMATION Gross Total Loan Portfolio (TLP) 344 2,847 374 665 Specific allowance for credit losses on the TLP 16 12 10 1 Non-Performing Loans (NPL) a. Gross NPLs 36 26 12 0 b. Ratio of gross NPLs to gross TLP (%) 10.34 0.90 3.31 0.00 c. Net NPLs 24 23 4 0 d. Ratio of Net NPLs to gross TLP (%) 6.96 0.79 1.05 0.00 e. Ratio of total allowance for credit losses to gross NPLs (%) 52.96 225.85 108.56 0.00 f. Ratio of specific allowance for credit losses on the gross TLP to gross NPLs (%) 46.26 45.27 83.03 0.00 Classified Loans & Other Risk Assets, gross of allowance for credit losses 70 226 576 0 DOSRI Loans and receivables, gross of allowance for credit losses 10 18 6 1 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP (%) 2.86 0.61 1.59 0.15 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 12.38 0.00 55.75 8.80 b. 2% for Medium Enterprises 17.02 0.00 9.13 25.94 Return on Equity (ROE) (%) -0.63 13.68 15.95 2.08 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 19.54 47.80 15.08 136.21 b. Tier 1 CAR (%) 0.00 47.80 0.00 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: Department of Supervisory Analytics, Financial Supervision Sector
II. 60 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2019 In Million Pesos
THRIFT BANKS
ACCOUNTS LEGAZPI SAVINGS LEMERY SAVINGS & LIFE SAVINGS BANK LUZON DEVELOPMENT BANK INC LOAN BANK, INC. INC BANK
ASSETS Cash and Cash Items 82 4 2 122 Due from Bangko Sentral ng Pilipinas 392 14 14 727 Due from Other Banks 90 103 161 80 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 200 1 64 156 Unquoted Debt Securities Classified as Loans, Net 0 0 0 0 Investments in Non-Marketable Equity Security, Net 0 0 0 0 Loans and Receivables, Net 1,615 98 55 3,407 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivables 0 0 0 0 Loans and Receivables - Others 1,563 99 56 3,167 Loans and Receivables Arising from Repo, CA/Participation 67 0 0 252 General Loan Loss Provision 15 1 1 13 Other Financial Assets 36 1 2 100 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 0 0 0 22 Bank Premises, Furniture, Fixture and Equipment, Net 99 3 1 335 Real and Other Properties Acquired , Net 118 5 12 807 Non-Current Assets Held for Sale 0 0 0 29 Other Assets, Net 91 5 4 307 Due from Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL ASSETS 2,722 235 314 6,090
LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 0 0 0 0 Deposit Liabilities 1,972 134 234 5,034 Due to Other Banks 0 0 0 0 Bills Payable 0 0 0 169 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 0 169 Bonds Payable, Net 0 0 0 0 Unsecured Subordinated Debt, Net 0 0 0 0 Redeemable Preferred Shares 31 0 0 0 Special Time Deposit 0 0 0 0 Due to Bangko Sentral ng Pilipinas 0 0 0 0 Other Financial Liabilities 4 1 1 32 Other Liabilities 113 13 1 184 Due to Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL LIABILITIES 2,120 149 236 5,419
STOCKHOLDERS' EQUITY Capital Stock 1,246 60 53 800 Other Capital Accounts 51 0 6 189 Retained Earnings -696 25 19 -318 Assigned Capital 0 0 0 0 TOTAL STOCKHOLDERS' EQUITY 602 86 78 671
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 2,722 235 314 6,090
II. 61 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2019 In Million Pesos
THRIFT BANKS
ACCOUNTS LEGAZPI SAVINGS LEMERY SAVINGS & LIFE SAVINGS BANK LUZON DEVELOPMENT BANK INC LOAN BANK, INC. INC 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 1 0 0 0 TOTAL CONTINGENT ACCOUNTS 1 0 0 0
OTHER INFORMATION Gross Total Loan Portfolio (TLP) 1,881 101 61 3,674 Specific allowance for credit losses on the TLP 251 2 5 254 Non-Performing Loans (NPL) a. Gross NPLs 303 2 7 747 b. Ratio of gross NPLs to gross TLP (%) 16.10 1.54 11.59 20.32 c. Net NPLs 63 -1 4 498 d. Ratio of Net NPLs to gross TLP (%) 3.35 -0.53 6.86 13.55 e. Ratio of total allowance for credit losses to gross NPLs (%) 87.90 183.23 76.85 35.82 f. Ratio of specific allowance for credit losses on the gross TLP to gross NPLs (%) 82.80 134.56 69.71 34.03 Classified Loans & Other Risk Assets, gross of allowance for credit losses 544 2 18 301 DOSRI Loans and receivables, gross of allowance for credit losses 0 2 10 171 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP (%) 0.02 1.55 16.39 4.64 Gross non-performing DOSRI loans and receivables 0 0 0 0 Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0.01 0.00 0.00 0.00 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 23.17 13.19 5.45 3.41 b. 2% for Medium Enterprises 2.01 0.00 0.00 42.27 Return on Equity (ROE) (%) 7.16 6.66 8.11 -8.59 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 24.01 35.07 25.64 11.14 b. Tier 1 CAR (%) 24.01 0.00 0.00 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: Department of Supervisory Analytics, Financial Supervision Sector
II. 62 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2019 In Million Pesos
THRIFT BANKS
MAKILING MALAYAN BANK ACCOUNTS MARITIME SAVINGS NORTHPOINT DEV'T DEVELOPMENT BANK SAVINGS AND MORT BANK CORPORATION BANK INC CORPORATION BANK INC
ASSETS Cash and Cash Items 10 121 3 8 Due from Bangko Sentral ng Pilipinas 49 833 9 24 Due from Other Banks 342 491 21 165 Financial Assets at Fair Value through Profit or Loss 0 0 0 0 Available for Sale Financial Assets, Net 27 770 0 0 Held to Maturity (HTM) Financial Assets, Net 12 0 0 106 Unquoted Debt Securities Classified as Loans, Net 0 0 0 0 Investments in Non-Marketable Equity Security, Net 0 0 0 0 Loans and Receivables, Net 603 5,560 112 456 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivables 0 0 0 0 Loans and Receivables - Others 608 5,022 113 465 Loans and Receivables Arising from Repo, CA/Participation 0 569 0 0 General Loan Loss Provision 5 31 1 9 Other Financial Assets 7 1,215 7 1 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 0 13 0 0 Bank Premises, Furniture, Fixture and Equipment, Net 5 87 2 21 Real and Other Properties Acquired , Net 23 756 4 9 Non-Current Assets Held for Sale 0 0 0 0 Other Assets, Net 14 781 1 43 Due from Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL ASSETS 1,093 10,627 158 833
LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 0 0 0 0 Deposit Liabilities 743 8,321 100 375 Due to Other Banks 0 0 0 0 Bills Payable 0 50 0 0 a) BSP (Rediscounting and Other Advances) 0 0 0 0 b) Interbank Loans Payable 0 50 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 4 169 0 22 Other Liabilities 5 715 5 17 Due to Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL LIABILITIES 752 9,255 105 414
STOCKHOLDERS' EQUITY Capital Stock 300 976 80 400 Other Capital Accounts 19 89 1 51 Retained Earnings 22 307 -27 -32 Assigned Capital 0 0 0 0 TOTAL STOCKHOLDERS' EQUITY 341 1,372 53 419
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 1,093 10,627 158 833
II. 63 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2019 In Million Pesos
THRIFT BANKS
MAKILING MALAYAN BANK ACCOUNTS MARITIME SAVINGS NORTHPOINT DEV'T DEVELOPMENT BANK SAVINGS AND MORT BANK CORPORATION BANK INC 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 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) 629 5,704 119 561 Specific allowance for credit losses on the TLP 21 113 6 97 Non-Performing Loans (NPL) a. Gross NPLs 32 279 24 113 b. Ratio of gross NPLs to gross TLP (%) 5.07 4.88 20.55 20.16 c. Net NPLs 18 240 19 30 d. Ratio of Net NPLs to gross TLP (%) 2.92 4.20 15.64 5.32 e. Ratio of total allowance for credit losses to gross NPLs (%) 81.51 51.74 28.50 92.81 f. Ratio of specific allowance for credit losses on the gross TLP to gross NPLs (%) 65.50 40.53 23.89 85.28 Classified Loans & Other Risk Assets, gross of allowance for credit losses 1,011 3,000 32 114 DOSRI Loans and receivables, gross of allowance for credit losses 0 27 0 0 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP (%) 0.00 0.46 0.23 0.00 Gross non-performing DOSRI loans and receivables 0 0 0 0 Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0.00 0.00 0.00 0.00 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 33.15 14.52 41.20 94.88 b. 2% for Medium Enterprises 10.30 7.54 18.82 2.29 Return on Equity (ROE) (%) 5.83 6.45 0.96 12.81 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 30.30 14.17 29.25 36.09 b. Tier 1 CAR (%) 0.00 0.00 0.00 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: Department of Supervisory Analytics, Financial Supervision Sector
II. 64 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2019 In Million Pesos
THRIFT BANKS
OVERSEAS FILIPINO PENBANK INC (A ACCOUNTS BANK INC A PACIFIC ACE PAMPANGA PDB) (FORMERLY: SAVINGS BANK OF SAVINGS BANK INC DEVELOPMENT BANK PENINSULA RB INC) LANDBANK
ASSETS Cash and Cash Items 0 6 6 44 Due from Bangko Sentral ng Pilipinas 1,835 30 25 212 Due from Other Banks 72 330 67 146 Financial Assets at Fair Value through Profit or Loss 0 0 0 0 Available for Sale Financial Assets, Net 48 0 0 0 Held to Maturity (HTM) Financial Assets, Net 0 13 110 309 Unquoted Debt Securities Classified as Loans, Net 0 0 0 0 Investments in Non-Marketable Equity Security, Net 0 0 0 0 Loans and Receivables, Net 2,666 80 323 1,706 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivables 0 0 0 0 Loans and Receivables - Others 2,427 81 326 1,723 Loans and Receivables Arising from Repo, CA/Participation 248 0 0 0 General Loan Loss Provision 9 1 3 17 Other Financial Assets 35 2 4 35 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 0 0 0 0 Bank Premises, Furniture, Fixture and Equipment, Net 166 20 28 77 Real and Other Properties Acquired , Net 386 1 23 94 Non-Current Assets Held for Sale 0 0 0 0 Other Assets, Net 161 4 3 95 Due from Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL ASSETS 5,369 488 590 2,719
LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 0 0 0 0 Deposit Liabilities 3,975 364 282 1,954 Due to Other Banks 0 0 0 0 Bills Payable 0 0 0 198 a) BSP (Rediscounting and Other Advances) 0 0 0 0 b) Interbank Loans Payable 0 0 0 198 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 21 0 3 5 Other Liabilities 407 35 9 32 Due to Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL LIABILITIES 4,403 400 294 2,189
STOCKHOLDERS' EQUITY Capital Stock 1,000 68 233 405 Other Capital Accounts 640 9 5 -2 Retained Earnings -674 11 59 127 Assigned Capital 0 0 0 0 TOTAL STOCKHOLDERS' EQUITY 966 88 297 530
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 5,369 488 590 2,719
II. 65 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2019 In Million Pesos
THRIFT BANKS
OVERSEAS FILIPINO PENBANK INC (A ACCOUNTS BANK INC A PACIFIC ACE PAMPANGA PDB) (FORMERLY: SAVINGS BANK OF SAVINGS BANK INC DEVELOPMENT BANK PENINSULA RB INC) LANDBANK
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 3 0 5 12 TOTAL CONTINGENT ACCOUNTS 3 0 5 12
OTHER INFORMATION Gross Total Loan Portfolio (TLP) 3,643 91 358 1,786 Specific allowance for credit losses on the TLP 969 10 32 63 Non-Performing Loans (NPL) a. Gross NPLs 2,356 21 97 78 b. Ratio of gross NPLs to gross TLP (%) 64.65 23.53 27.04 4.35 c. Net NPLs 1,453 15 65 15 d. Ratio of Net NPLs to gross TLP (%) 39.89 16.03 18.20 0.83 e. Ratio of total allowance for credit losses to gross NPLs (%) 41.50 50.90 35.86 102.69 f. Ratio of specific allowance for credit losses on the gross TLP to gross NPLs (%) 41.14 47.95 32.95 80.86 Classified Loans & Other Risk Assets, gross of allowance for credit losses 3,439 27 72 317 DOSRI Loans and receivables, gross of allowance for credit losses 0 0 44 177 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP (%) 0.00 0.00 12.16 9.91 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 68.56 18.32 40.32 b. 2% for Medium Enterprises 13.33 6.26 1.00 21.52 Return on Equity (ROE) (%) 0.00 10.40 1.57 4.27 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 19.42 19.07 57.76 22.45 b. Tier 1 CAR (%) 19.42 0.00 0.00 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: Department of Supervisory Analytics, Financial Supervision Sector
II. 66 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2019 In Million Pesos
THRIFT BANKS
ACCOUNTS PHIL STAR PHILIPPINE BUSINESS PHIL SAVINGS BANK DEVELOPMENT BANK BANK INC A PNB SAVINGS BANK INC SAVINGS BANK
ASSETS Cash and Cash Items 2,282 1 1,171 748 Due from Bangko Sentral ng Pilipinas 6,815 2 5,232 4,183 Due from Other Banks 1,134 87 2,799 1,858 Financial Assets at Fair Value through Profit or Loss 0 0 4,677 0 Available for Sale Financial Assets, Net 4,759 0 9,223 123 Held to Maturity (HTM) Financial Assets, Net 34,234 19 853 53 Unquoted Debt Securities Classified as Loans, Net 0 0 0 0 Investments in Non-Marketable Equity Security, Net 0 0 0 0 Loans and Receivables, Net 161,110 86 86,552 50,349 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivables 0 0 0 0 Loans and Receivables - Others 161,879 87 84,903 49,411 Loans and Receivables Arising from Repo, CA/Participation 0 0 2,542 1,368 General Loan Loss Provision 769 1 893 430 Other Financial Assets 1,872 0 725 464 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 758 0 0 0 Bank Premises, Furniture, Fixture and Equipment, Net 3,399 8 455 388 Real and Other Properties Acquired , Net 2,937 25 490 405 Non-Current Assets Held for Sale 0 0 7 0 Other Assets, Net 4,808 6 1,791 1,300 Due from Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL ASSETS 224,108 234 113,978 59,871
LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 0 0 0 0 Deposit Liabilities 172,555 20 94,864 46,326 Due to Other Banks 0 0 0 16 Bills Payable 4,200 0 606 2,031 a) BSP (Rediscounting and Other Advances) 0 0 0 0 b) Interbank Loans Payable 1,200 0 606 0 c) Other Deposit Substitutes 0 0 0 2,031 d) Others 3,000 0 0 0 Bonds Payable, Net 6,300 0 3,000 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 19 0 Other Financial Liabilities 3,564 0 704 141 Other Liabilities 3,779 2 1,823 891 Due to Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL LIABILITIES 190,398 22 101,016 49,405
STOCKHOLDERS' EQUITY Capital Stock 13,119 181 9,056 10,500 Other Capital Accounts 2,555 -0 1,632 63 Retained Earnings 18,036 31 2,273 -98 Assigned Capital 0 0 0 0 TOTAL STOCKHOLDERS' EQUITY 33,710 211 12,962 10,466
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 224,108 234 113,978 59,871
II. 67 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2019 In Million Pesos
THRIFT BANKS
ACCOUNTS PHIL STAR PHILIPPINE BUSINESS PHIL SAVINGS BANK DEVELOPMENT BANK BANK INC A PNB SAVINGS BANK INC SAVINGS BANK
CONTINGENT ACCOUNTS Guarantees Issued 0 0 0 0 Financial Standby Letters of Credit 0 0 184 0 Performance Standby Letters of Credit 66 0 0 0 Commercial Letters of Credit 0 0 823 0 Trade Related Guarantees 0 0 263 0 Commitments 18 0 0 0 Spot Foreign Exchange Contracts 51 0 304 0 Securities Held Under Custodianship by Bank Proper 0 0 0 0 Trust Department Accounts 7,073 0 7,303 0 a) Trust and Other Fudiciary Accounts 4,454 0 1,365 0 b) Agency Accounts 2,619 0 5,937 0 c) Advisory/Consultancy 0 0 0 0 Derivatives 0 0 304 0 Others 10 0 99 63 TOTAL CONTINGENT ACCOUNTS 7,218 0 9,279 63
OTHER INFORMATION Gross Total Loan Portfolio (TLP) 164,123 96 88,162 52,650 Specific allowance for credit losses on the TLP 2,244 9 716 1,871 Non-Performing Loans (NPL) a. Gross NPLs 5,917 12 1,992 7,322 b. Ratio of gross NPLs to gross TLP (%) 3.60 12.29 2.25 13.90 c. Net NPLs 4,602 3 1,298 6,018 d. Ratio of Net NPLs to gross TLP (%) 2.80 3.53 1.47 11.43 e. Ratio of total allowance for credit losses to gross NPLs (%) 50.91 80.85 80.79 31.43 f. Ratio of specific allowance for credit losses on the gross TLP to gross NPLs (%) 37.91 73.66 35.95 25.55 Classified Loans & Other Risk Assets, gross of allowance for credit losses 16,718 96 2,367 3,231 DOSRI Loans and receivables, gross of allowance for credit losses 236 0 998 45 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP (%) 0.14 0.00 1.13 0.08 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 0.85 23.14 10.79 0.60 b. 2% for Medium Enterprises 1.42 121.65 16.46 0.93 Return on Equity (ROE) (%) 9.64 1.58 10.78 -3.72 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 16.81 90.75 12.89 16.97 b. Tier 1 CAR (%) 16.81 0.00 0.00 16.97 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: Department of Supervisory Analytics, Financial Supervision Sector
II. 68 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2019 In Million Pesos
THRIFT BANKS
QUEEN CITY QUEZON COCONUT RIZAL MICROBANK ACCOUNTS PRODUCERS SAVINGS DEVELOPMENT BANK BANK INC (A THRIFT INC - A THRIFT BANK BANK CORPORATION INC OR QUEENBANK BANK) OF RCBC A THRIFT BANK
ASSETS Cash and Cash Items 871 40 3 15 Due from Bangko Sentral ng Pilipinas 2,221 184 2 85 Due from Other Banks 582 113 4 157 Financial Assets at Fair Value through Profit or Loss 0 0 0 0 Available for Sale Financial Assets, Net 401 0 0 20 Held to Maturity (HTM) Financial Assets, Net 686 0 8 0 Unquoted Debt Securities Classified as Loans, Net 0 0 0 0 Investments in Non-Marketable Equity Security, Net 0 0 0 0 Loans and Receivables, Net 17,487 1,734 61 1,300 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivables 0 0 0 0 Loans and Receivables - Others 15,110 1,623 61 1,254 Loans and Receivables Arising from Repo, CA/Participation 2,518 126 0 61 General Loan Loss Provision 141 15 1 14 Other Financial Assets 299 27 0 26 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 704 23 0 0 Bank Premises, Furniture, Fixture and Equipment, Net 670 176 4 153 Real and Other Properties Acquired , Net 857 27 6 13 Non-Current Assets Held for Sale 79 0 0 0 Other Assets, Net 595 53 2 49 Due from Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL ASSETS 25,452 2,377 89 1,818
LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 0 0 0 0 Deposit Liabilities 15,151 1,625 25 1,091 Due to Other Banks 0 0 0 0 Bills Payable 7,393 0 0 30 a) BSP (Rediscounting and Other Advances) 0 0 0 0 b) Interbank Loans Payable 7,393 0 0 0 c) Other Deposit Substitutes 0 0 0 0 d) Others 0 0 0 30 Bonds Payable, Net 0 0 0 0 Unsecured Subordinated Debt, Net 0 0 0 0 Redeemable Preferred Shares 40 0 0 0 Special Time Deposit 0 0 0 0 Due to Bangko Sentral ng Pilipinas 0 0 0 0 Other Financial Liabilities 246 6 0 69 Other Liabilities 278 54 4 37 Due to Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL LIABILITIES 23,108 1,685 30 1,228
STOCKHOLDERS' EQUITY Capital Stock 1,719 650 52 1,126 Other Capital Accounts 278 23 3 30 Retained Earnings 348 19 5 -565 Assigned Capital 0 0 0 0 TOTAL STOCKHOLDERS' EQUITY 2,345 692 59 591
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 25,452 2,377 89 1,818
II. 69 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2019 In Million Pesos
THRIFT BANKS
QUEEN CITY QUEZON COCONUT RIZAL MICROBANK ACCOUNTS PRODUCERS SAVINGS DEVELOPMENT BANK BANK INC (A THRIFT INC - A THRIFT BANK BANK CORPORATION INC OR QUEENBANK BANK) OF RCBC A 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 6 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 18 1 0 0 TOTAL CONTINGENT ACCOUNTS 18 6 0 0
OTHER INFORMATION Gross Total Loan Portfolio (TLP) 17,654 1,752 62 1,373 Specific allowance for credit losses on the TLP 26 4 1 59 Non-Performing Loans (NPL) a. Gross NPLs 719 0 3 151 b. Ratio of gross NPLs to gross TLP (%) 4.07 0.01 4.24 11.03 c. Net NPLs 697 0 2 93 d. Ratio of Net NPLs to gross TLP (%) 3.95 0.00 2.81 6.76 e. Ratio of total allowance for credit losses to gross NPLs (%) 23.19 6,184.28 56.67 48.04 f. Ratio of specific allowance for credit losses on the gross TLP to gross NPLs (%) 3.58 1,283.29 33.74 38.69 Classified Loans & Other Risk Assets, gross of allowance for credit losses 1,060 128 11 0 DOSRI Loans and receivables, gross of allowance for credit losses 420 371 3 0 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP (%) 2.37 21.18 4.65 0.00 Gross non-performing DOSRI loans and receivables 0 0 0 0 Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0.00 0.00 0.00 0.00 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 11.96 22.25 28.48 39.67 b. 2% for Medium Enterprises 10.79 33.24 42.31 10.97 Return on Equity (ROE) (%) 14.39 3.38 2.93 3.15 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 11.69 34.87 71.61 28.74 b. Tier 1 CAR (%) 0.00 0.00 0.00 28.74 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: Department of Supervisory Analytics, Financial Supervision Sector
II. 70 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2019 In Million Pesos
THRIFT BANKS
STERLING BANK OF ACCOUNTS SUN SAVINGS BANK UNIVERSITY SAVINGS ASIA INC (A SAVINGS UCPB SAVINGS BANK INC BANK INC BANK)
ASSETS Cash and Cash Items 675 29 592 6 Due from Bangko Sentral ng Pilipinas 3,185 215 3,054 47 Due from Other Banks 2,984 32 186 337 Financial Assets at Fair Value through Profit or Loss 900 0 177 0 Available for Sale Financial Assets, Net 1,720 80 95 0 Held to Maturity (HTM) Financial Assets, Net 0 10 213 0 Unquoted Debt Securities Classified as Loans, Net 0 0 0 0 Investments in Non-Marketable Equity Security, Net 0 0 0 0 Loans and Receivables, Net 32,847 1,614 14,979 357 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivables 73 0 0 0 Loans and Receivables - Others 32,611 1,385 14,533 360 Loans and Receivables Arising from Repo, CA/Participation 460 243 605 0 General Loan Loss Provision 297 14 158 3 Other Financial Assets 208 7 111 8 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 0 0 0 0 Bank Premises, Furniture, Fixture and Equipment, Net 412 14 214 39 Real and Other Properties Acquired , Net 282 1 461 91 Non-Current Assets Held for Sale 215 0 60 0 Other Assets, Net 557 80 836 128 Due from Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL ASSETS 43,984 2,082 20,977 1,013
LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 0 0 0 0 Deposit Liabilities 38,528 1,428 17,644 555 Due to Other Banks 0 0 0 0 Bills Payable 0 256 0 0 a) BSP (Rediscounting and Other Advances) 0 0 0 0 b) Interbank Loans Payable 0 256 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 1,000 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 419 10 211 7 Other Liabilities 1,078 44 354 21 Due to Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL LIABILITIES 41,025 1,738 18,209 584
STOCKHOLDERS' EQUITY Capital Stock 2,370 300 1,107 379 Other Capital Accounts 98 35 -55 4 Retained Earnings 492 10 1,716 47 Assigned Capital 0 0 0 0 TOTAL STOCKHOLDERS' EQUITY 2,959 345 2,768 430
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 43,984 2,082 20,977 1,013
II. 71 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2019 In Million Pesos
THRIFT BANKS
STERLING BANK OF ACCOUNTS SUN SAVINGS BANK UNIVERSITY SAVINGS ASIA INC (A SAVINGS UCPB SAVINGS BANK INC BANK INC BANK)
CONTINGENT ACCOUNTS Guarantees Issued 12 0 0 0 Financial Standby Letters of Credit 0 0 0 0 Performance Standby Letters of Credit 35 0 0 0 Commercial Letters of Credit 45 0 0 0 Trade Related Guarantees 0 0 0 0 Commitments 0 0 0 0 Spot Foreign Exchange Contracts 381 0 0 0 Securities Held Under Custodianship by Bank Proper 0 0 0 0 Trust Department Accounts 7,042 0 0 0 a) Trust and Other Fudiciary Accounts 197 0 0 0 b) Agency Accounts 6,845 0 0 0 c) Advisory/Consultancy 0 0 0 0 Derivatives 0 0 0 0 Others 9 0 9 0 TOTAL CONTINGENT ACCOUNTS 7,524 0 9 0
OTHER INFORMATION Gross Total Loan Portfolio (TLP) 33,610 1,641 15,883 395 Specific allowance for credit losses on the TLP 467 12 745 35 Non-Performing Loans (NPL) a. Gross NPLs 1,758 24 3,303 32 b. Ratio of gross NPLs to gross TLP (%) 5.22 1.47 20.79 8.21 c. Net NPLs 1,291 12 2,644 2 d. Ratio of Net NPLs to gross TLP (%) 3.84 0.74 16.64 0.42 e. Ratio of total allowance for credit losses to gross NPLs (%) 43.41 108.95 27.36 117.88 f. Ratio of specific allowance for credit losses on the gross TLP to gross NPLs (%) 26.54 51.35 22.56 107.64 Classified Loans & Other Risk Assets, gross of allowance for credit losses 1,034 66 2,911 165 DOSRI Loans and receivables, gross of allowance for credit losses 241 0 6 52 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP (%) 0.71 0.01 0.03 13.26 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 2.52 8.16 3.48 8.43 b. 2% for Medium Enterprises 7.28 2.73 7.43 44.41 Return on Equity (ROE) (%) 4.90 11.88 8.63 0.07 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 7.10 21.00 12.79 11.73 b. Tier 1 CAR (%) 0.00 0.00 12.79 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: Department of Supervisory Analytics, Financial Supervision Sector
II. 72 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2019 In Million Pesos
THRIFT BANKS
ACCOUNTS WEALTH YUANTA SAVINGS DEVELOPMENT BANK BANK PHILIPPINES CORPORATION INC
ASSETS Cash and Cash Items 219 28 Due from Bangko Sentral ng Pilipinas 1,813 474 Due from Other Banks 265 2,004 Financial Assets at Fair Value through Profit or Loss 0 0 Available for Sale Financial Assets, Net 134 321 Held to Maturity (HTM) Financial Assets, Net 271 196 Unquoted Debt Securities Classified as Loans, Net 0 0 Investments in Non-Marketable Equity Security, Net 0 0 Loans and Receivables, Net 11,242 726 Loans to Bangko Sentral ng Pilipinas 0 0 Interbank Loans Receivables 0 0 Loans and Receivables - Others 10,523 671 Loans and Receivables Arising from Repo, CA/Participation 787 61 General Loan Loss Provision 68 6 Other Financial Assets 71 14 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 0 0 Bank Premises, Furniture, Fixture and Equipment, Net 94 120 Real and Other Properties Acquired , Net 179 0 Non-Current Assets Held for Sale 0 0 Other Assets, Net 246 79 Due from Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 TOTAL ASSETS 14,534 3,964
LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 0 0 Deposit Liabilities 10,332 1,689 Due to Other Banks 0 0 Bills Payable 2,315 0 a) BSP (Rediscounting and Other Advances) 0 0 b) Interbank Loans Payable 2,315 0 c) Other Deposit Substitutes 0 0 d) Others 0 0 Bonds Payable, Net 0 0 Unsecured Subordinated Debt, Net 0 0 Redeemable Preferred Shares 0 0 Special Time Deposit 0 0 Due to Bangko Sentral ng Pilipinas 0 0 Other Financial Liabilities 154 12 Other Liabilities 211 40 Due to Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 TOTAL LIABILITIES 13,012 1,741
STOCKHOLDERS' EQUITY Capital Stock 1,404 1,209 Other Capital Accounts 43 1,130 Retained Earnings 75 -116 Assigned Capital 0 0 TOTAL STOCKHOLDERS' EQUITY 1,522 2,223
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 14,534 3,964
II. 73 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2019 In Million Pesos
THRIFT BANKS
ACCOUNTS WEALTH YUANTA SAVINGS DEVELOPMENT BANK BANK PHILIPPINES CORPORATION INC
CONTINGENT ACCOUNTS Guarantees Issued 0 0 Financial Standby Letters of Credit 0 0 Performance Standby Letters of Credit 0 0 Commercial Letters of Credit 0 0 Trade Related Guarantees 0 0 Commitments 0 0 Spot Foreign Exchange Contracts 0 0 Securities Held Under Custodianship by Bank Proper 0 0 Trust Department Accounts 0 0 a) Trust and Other Fudiciary Accounts 0 0 b) Agency Accounts 0 0 c) Advisory/Consultancy 0 0 Derivatives 0 0 Others 2 6 TOTAL CONTINGENT ACCOUNTS 2 6
OTHER INFORMATION Gross Total Loan Portfolio (TLP) 11,404 736 Specific allowance for credit losses on the TLP 94 4 Non-Performing Loans (NPL) a. Gross NPLs 587 2 b. Ratio of gross NPLs to gross TLP (%) 5.14 0.22 c. Net NPLs 494 0 d. Ratio of Net NPLs to gross TLP (%) 4.33 0.00 e. Ratio of total allowance for credit losses to gross NPLs (%) 27.62 596.85 f. Ratio of specific allowance for credit losses on the gross TLP to gross NPLs (%) 16.01 245.70 Classified Loans & Other Risk Assets, gross of allowance for credit losses 770 2,627 DOSRI Loans and receivables, gross of allowance for credit losses 47 0 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP (%) 0.40 0.04 Gross non-performing DOSRI loans and receivables 0 0 Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0.00 0.00 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 4.96 0.31 b. 2% for Medium Enterprises 25.26 2.07 Return on Equity (ROE) (%) 3.74 -3.47 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 14.42 73.64 b. Tier 1 CAR (%) 0.00 0.00 Deferred Charges not yet Written Down 1 0 Unbooked Allowance for Credit Losses on Financial Instruments Received 0 0
Details may not add up to totals due to rounding-off Source: Department of Supervisory Analytics, Financial Supervision Sector
II. 74 Table 4 INCOME STATEMENT The Philippine Banking System 2015 - 2019 In Million Pesos Selected Accounts 2015 2016 2017 2018 2019 Total Operating Income 479,670 535,034 590,785 668,103 796,263 Net interest income 349,149 385,959 447,400 515,588 605,198 Interest Income 452,507 498,078 574,657 708,015 886,023 Provision for Losses on Accrued Interest Income from Financial Assets 334 255 375 1,332 288 Less: Interest Expenses 103,024 111,865 126,882 191,095 280,536 Non-interest income 130,521 149,075 143,385 152,515 191,065 Dividend Income 3,892 4,115 3,325 3,371 3,364 Fee-based income 70,869 75,948 84,771 91,792 100,911 Payment Services 3,228 3,174 3,193 3,097 3,070 Intermediation Services 26,115 26,179 28,871 32,301 37,531 Custodianship 945 816 951 916 949 Underwriting and Securities Dealership 566 121 33 103 52 Income from Securities Brokering Activities 107 173 186 217 Securitization Activities 0 0 1 0 0 Income from Fiduciary Activities 9,461 9,425 7,653 7,390 7,807 Others 30,501 36,126 43,897 47,799 51,286 Trading Income 40,823 53,989 40,540 42,171 72,964 Realized Gains/(Losses) from Sale/Redemption -6,821 -205 11,323 -2,893 22,037 Government Securities 1,162 4,875 724 -1,913 13,760 Private Securities/CPs/Equity Securities 393 593 192 -297 677 Financial Futures/Options/Fwds/Swaps -8,381 -5,675 10,401 -683 7,600 Unrealized Gains/(Losses) from Marking-to-Market 2,011 656 -4,243 11,962 -4,045 Government Securities -1,319 367 -216 -5 948 Private Securities/CPs/Equity Securities -323 71 100 25 455 Financial Futures/Options/Fwds/Swaps 3,653 218 -4,127 11,943 -5,447 Realized Gains/(Losses) from Foreign Exchange Transactions 9,205 11,507 3,988 1,332 6,839 Foreign Exchange Profit/(Loss) 7,370 6,886 7,164 9,101 8,511 Profit/(Loss) from Sale/Redemption/Derecognition of Non-Trading 17,186 25,184 8,096 3,963 30,165 Financial Assets and Liabilities 0 0 Profit/(Loss) from Sale/Derecognition of Non-Financial Assets 12,009 9,657 13,940 18,549 9,495 Profit/(Loss) on Financial Assets and Liabilities Designated at Fair -157 295 274 70 -41 Value through Profit or Loss Profit/(Loss) on Fair Value Adjustment in Hedge Accounting 18 9 -2 87 3 Other income 14,937 15,022 14,749 15,182 13,825 Non-interest Expense 310,384 341,298 378,165 432,295 483,224 Compensation/Fringe Benefits 115,253 125,602 137,106 151,444 165,466 Taxes and Licenses 28,805 31,284 35,308 43,898 55,063 Fees and Commission 9,694 10,162 17,594 20,391 24,172 Other Administrative Expenses 132,769 146,895 160,151 186,332 195,333 Depreciation/Amortization 21,243 23,186 24,929 26,329 37,105 Impairment Losses 1,132 898 1,016 1,119 3,133 Provisions 1,488 3,271 2,062 2,782 2,952 Losses/Recoveries on Financial Assets -22,146 -30,038 -33,747 -31,930 -51,170 Provision for Credit Losses on Loans and Receivables and Other -24,806 -35,531 -34,977 -35,463 -52,893 Financial Assets Bad Debts Written Off -4,518 -3,752 -3,297 -3,401 -3,910 Recovery on Charged-Off Assets 7,178 9,246 4,527 6,935 5,633 Net Profit Before Share in the Profit/(Loss) of Unconsolidated 147,139 163,698 178,873 203,878 261,869 Subsidiaries, Associates and Joint Ventures Accounted for Using the Equity Method Share in the Profit/(Loss) of Unconsolidated Subsidiaries, Associates 17,708 22,359 27,906 22,524 25,373 and Joint Ventures Accounted for Using the Equity Method Total Profit/Loss Before Tax and Before Minority Interest 164,848 186,056 206,778 226,403 287,242 Income Tax Expense 29,507 31,746 38,703 46,688 56,571 Total Profit/Loss After Tax and Before Minority Interest 135,341 154,310 168,075 179,715 230,671 Minority Interest in Profit/(Loss) of Subsidiaries 0 0 0 0 0 Net Profit or Loss 135,341 154,310 168,075 179,715 230,671
Details may not add up to totals due to rounding-off Source: Department of Supervisory Analytics, Financial Supervision Sector
II. 75 Table 4.a INCOME STATEMENT Universal and Commercial Banks 2015 - 2019 In Million Pesos Selected Accounts 2015 2016 2017 2018 2019 Total Operating Income 396,280 443,735 491,227 564,202 689,536 Net interest income 283,878 314,878 369,383 431,782 518,935 Interest Income 367,284 405,975 474,585 595,907 765,959 Provision for Losses on Accrued Interest Income from Financial Assets 185 68 261 1,245 99 Less: Interest Expenses 83,221 91,030 104,940 162,880 246,925 Non-interest income 112,402 128,857 121,844 132,420 170,601 Dividend Income 3,859 4,088 3,302 3,358 3,352 Fee-based income 59,083 62,610 71,346 78,916 88,655 Payment Services 2,551 2,333 2,397 2,357 2,345 Intermediation Services 20,312 20,519 22,279 25,305 29,720 Custodianship 945 811 947 913 945 Underwriting and Securities Dealership 566 121 33 103 52 Income from Securities Brokering Activities 53 107 173 186 217 Securitization Activities 0 0 0 0 0 Income from Fiduciary Activities 9,358 9,316 7,538 7,265 7,729 Others 25,298 29,403 37,978 42,788 47,646 Trading Income 37,581 50,285 36,053 38,559 68,469 Realized Gains/(Losses) from Sale/Redemption -6,955 -675 11,171 -2,775 21,625 Government Securities 1,035 4,406 583 -1,800 13,376 Private Securities/CPs/Equity Securities 387 591 188 -293 648 Financial Futures/Options/Fwds/Swaps -8,377 -5,672 10,401 -683 7,600 Unrealized Gains/(Losses) from Marking-to-Market 2,250 658 -4,229 11,956 -3,987 Government Securities -1,080 367 -202 -13 1,008 Private Securities/CPs/Equity Securities -323 73 100 26 453 Financial Futures/Options/Fwds/Swaps 3,653 218 -4,127 11,943 -5,447 Realized Gains/(Losses) from Foreign Exchange Transactions 9,122 11,447 3,928 1,273 6,720 Foreign Exchange Profit/(Loss) 7,180 6,727 7,038 8,860 8,372 Profit/(Loss) from Sale/Redemption/Derecognition of Non-Trading 16,813 24,884 7,940 3,666 29,671 Financial Assets and Liabilities Profit/(Loss) from Sale/Derecognition of Non-Financial Assets 9,355 6,973 10,036 15,490 5,997 Profit/(Loss) on Financial Assets and Liabilities Designated at Fair -205 265 172 2 68 Value through Profit or Loss Profit/(Loss) on Fair Value Adjustment in Hedge Accounting 23 6 -2 87 3 Other income 11,878 11,875 11,142 11,588 10,125 Non-interest Expense 252,584 279,866 311,774 359,206 407,966 Compensation/Fringe Benefits 94,969 103,739 113,130 124,759 138,175 Taxes and Licenses 23,968 26,006 29,528 37,508 47,854 Fees and Commission 8,630 8,738 15,609 18,250 21,243 Other Administrative Expenses 109,449 122,499 133,204 156,255 166,846 Depreciation/Amortization 16,533 17,867 19,409 21,008 30,443 Impairment Losses 573 498 709 594 2,453 Provisions -1,538 518 186 833 953 Losses/Recoveries on Financial Assets -15,856 -22,127 -27,603 -25,966 -44,209 Provision for Credit Losses on Loans and Receivables and Other -17,964 -27,108 -28,162 -28,673 -45,130 Financial Assets Bad Debts Written Off -4,384 -3,590 -3,154 -3,272 -3,799 Recovery on Charged-Off Assets 6,491 8,571 3,712 5,979 4,719 Net Profit Before Share in the Profit/(Loss) of Unconsolidated 127,839 141,743 151,850 179,030 237,360 Subsidiaries, Associates and Joint Ventures Accounted for Using the Equity Method Share in the Profit/(Loss) of Unconsolidated Subsidiaries, Associates 17,641 22,233 27,424 22,056 24,958 and Joint Ventures Accounted for Using the Equity Method Total Profit/Loss Before Tax and Before Minority Interest 145,480 163,976 179,274 201,086 262,319 Income Tax Expense 25,205 27,020 32,944 41,155 50,752 Total Profit/Loss After Tax and Before Minority Interest 120,275 136,956 146,330 159,930 211,567 Minority Interest in Profit/(Loss) of Subsidiaries 0 0 0 0 0 Net Profit or Loss 120,275 136,956 146,330 159,930 211,567
Details may not add up to totals due to rounding-off Source: Department of Supervisory Analytics, Financial Supervision Sector
II. 76 Table 4.a.1a INCOMEINCOME STATEMENT STATEMENT Universal Banks 2015 - 2019 In Million Pesos
Selected Accounts 2015 2016 2017 2018 2019 Total Operating Income 353,265 396,639 438,980 505,273 619,282 Net interest income 254,917 282,479 332,259 389,888 469,326 Interest Income 332,115 367,400 429,209 539,518 698,690 Provision for Losses on Accrued Interest Income from Financial Assets 18 50 2 74 71 Less: Interest Expenses 77,180 84,871 96,948 149,556 229,293 Non-interest income 98,348 114,160 106,721 115,385 149,956 Dividend Income 3,731 4,010 3,232 3,061 3,106 Fee-based income 52,244 54,935 63,096 69,901 78,892 Payment Services 2,087 1,854 1,935 1,861 1,809 Intermediation Services 16,307 16,433 18,087 20,721 24,819 Custodianship 675 542 673 625 640 Underwriting and Securities Dealership 566 121 33 103 52 Income from Securities Brokering Activities 52 106 171 184 215 Securitization Activities 0 0 0 0 0 Income from Fiduciary Activities 8,605 8,481 6,664 6,253 6,576 Others 23,952 27,399 35,533 40,155 44,781 Trading Income 32,367 45,419 31,746 33,594 60,377 Realized Gains/(Losses) from Sale/Redemption -5,797 -2,074 9,900 -2,278 18,599 Government Securities 629 3,540 366 -1,240 11,066 Private Securities/CPs/Equity Securities 323 549 191 -281 594 Financial Futures/Options/Fwds/Swaps -6,749 -6,163 9,343 -758 6,939 Unrealized Gains/(Losses) from Marking-to-Market 2,161 223 -3,648 11,240 -4,008 Government Securities -925 137 -93 -62 961 Private Securities/CPs/Equity Securities -318 77 90 -124 308 Financial Futures/Options/Fwds/Swaps 3,404 9 -3,646 11,425 -5,277 Realized Gains/(Losses) from Foreign Exchange Transactions 5,913 11,357 3,625 1,577 5,596 Foreign Exchange Profit/(Loss) 5,741 5,144 5,045 6,139 7,027 Profit/(Loss) from Sale/Redemption/Derecognition of Non-Trading 15,751 23,865 7,621 3,602 27,728 Financial Assets and Liabilities Profit/(Loss) from Sale/Derecognition of Non-Financial Assets 8,780 6,636 9,030 13,223 5,373 Profit/(Loss) on Financial Assets and Liabilities Designated at Fair -205 265 172 2 68 Value through Profit or Loss Profit/(Loss) on Fair Value Adjustment in Hedge Accounting 23 4 1 89 -6 Other income 10,006 9,797 8,648 8,828 7,581 Non-interest Expense 221,973 245,727 275,686 319,689 365,395 Compensation/Fringe Benefits 83,936 92,087 101,101 111,922 124,434 Taxes and Licenses 20,998 22,709 25,742 32,728 42,206 Fees and Commission 7,395 7,537 14,470 17,007 19,966 Other Administrative Expenses 94,870 107,337 116,916 138,027 148,097 Depreciation/Amortization 14,468 15,614 17,081 18,876 27,640 Impairment Losses 180 156 477 394 2,145 Provisions 126 286 -99 736 908 Losses/Recoveries on Financial Assets -11,855 -20,538 -24,464 -21,566 -40,240 Provision for Credit Losses on Loans and Receivables and Other -15,659 -22,742 -26,222 -25,791 -42,398 Financial Assets Bad Debts Written Off -1,971 -1,422 -912 -795 -965 Recovery on Charged-Off Assets 5,775 3,626 2,670 5,021 3,123 Net Profit Before Share in the Profit/(Loss) of Unconsolidated 119,438 130,375 138,830 164,018 213,647 Subsidiaries, Associates and Joint Ventures Accounted for Using the Equity Method Share in the Profit/(Loss) of Unconsolidated Subsidiaries, Associates 17,574 22,204 27,424 22,028 25,003 and Joint Ventures Accounted for Using the Equity Method Total Profit/Loss Before Tax and Before Minority Interest 137,012 152,579 166,255 186,046 238,649 Income Tax Expense 21,749 22,800 28,528 35,444 44,240 Total Profit/Loss After Tax and Before Minority Interest 115,263 129,779 137,726 150,602 194,410 Minority Interest in Profit/(Loss) of Subsidiaries 0 0 0 0 0 Net Profit or Loss 115,263 129,779 137,726 150,602 194,410
Details may not add up to totals due to rounding-off Source: Department of Supervisory Analytics, Financial Supervision Sector
II. 77 Table 4.a.1b INCOME STATEMENT Commercial Banks 2015 - 2019 In Million Pesos
Selected Accounts 2015 2016 2017 2018 2019 Total Operating Income 43,015 47,096 52,247 58,929 70,254 Net interest income 28,961 32,398 37,124 41,894 49,609 Interest Income 35,169 38,575 45,376 56,389 67,269 Provision for Losses on Accrued Interest Income from Financial Assets 168 18 259 1,171 28 Less: Interest Expenses 6,041 6,158 7,992 13,324 17,632 Non-interest income 14,054 14,697 15,123 17,035 20,645 Dividend Income 128 78 71 296 246 Fee-based income 6,840 7,675 8,250 9,015 9,762 Payment Services 464 479 463 496 536 Intermediation Services 4,005 4,087 4,192 4,584 4,901 Custodianship 270 269 274 288 305 Underwriting and Securities Dealership 0 0 0 0 0 Income from Securities Brokering Activities 0 2 2 2 2 Securitization Activities 0 0 0 0 0 Income from Fiduciary Activities 753 835 875 1,012 1,153 Others 1,346 2,004 2,445 2,633 2,865 Trading Income 5,214 4,866 4,308 4,965 8,092 Realized Gains/(Losses) from Sale/Redemption -1,159 1,399 1,271 -497 3,026 Government Securities 405 866 216 -560 2,310 Private Securities/CPs/Equity Securities 64 42 -3 -12 54 Financial Futures/Options/Fwds/Swaps -1,628 491 1,058 75 661 Unrealized Gains/(Losses) from Marking-to-Market 88 436 -581 716 22 Government Securities -155 231 -110 48 47 Private Securities/CPs/Equity Securities -5 -5 9 151 145 Financial Futures/Options/Fwds/Swaps 248 210 -481 517 -170 Realized Gains/(Losses) from Foreign Exchange Transactions 3,209 90 303 -304 1,124 Foreign Exchange Profit/(Loss) 1,439 1,583 1,993 2,721 1,345 Profit/(Loss) from Sale/Redemption/Derecognition of Non-Trading 1,063 1,019 319 64 1,943 Financial Assets and Liabilities Profit/(Loss) from Sale/Derecognition of Non-Financial Assets 574 337 1,006 2,268 624 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 2 -3 -2 9 Other income 1,872 2,078 2,494 2,759 2,544 Non-interest Expense 30,612 34,139 36,088 39,517 42,571 Compensation/Fringe Benefits 11,033 11,652 12,029 12,836 13,741 Taxes and Licenses 2,969 3,297 3,786 4,780 5,648 Fees and Commission 1,235 1,200 1,139 1,243 1,277 Other Administrative Expenses 14,579 15,162 16,288 18,228 18,748 Depreciation/Amortization 2,065 2,254 2,329 2,132 2,804 Impairment Losses 394 342 232 200 308 Provisions -1,664 232 285 97 45 Losses/Recoveries on Financial Assets -4,002 -1,589 -3,139 -4,401 -3,970 Provision for Credit Losses on Loans and Receivables and Other -2,305 -4,367 -1,940 -2,882 -2,732 Financial Assets Bad Debts Written Off -2,413 -2,168 -2,242 -2,477 -2,834 Recovery on Charged-Off Assets 716 4,945 1,042 958 1,596 Net Profit Before Share in the Profit/(Loss) of Unconsolidated 8,402 11,368 13,019 15,012 23,714 Subsidiaries, Associates and Joint Ventures Accounted for Using the Equity Method Share in the Profit/(Loss) of Unconsolidated Subsidiaries, Associates 67 29 0 27 -44 and Joint Ventures Accounted for Using the Equity Method Total Profit/Loss Before Tax and Before Minority Interest 8,469 11,397 13,019 15,039 23,669 Income Tax Expense 3,457 4,220 4,415 5,711 6,512 Total Profit/Loss After Tax and Before Minority Interest 5,012 7,177 8,604 9,328 17,157 Minority Interest in Profit/(Loss) of Subsidiaries 0 0 0 0 0 Net Profit or Loss 5,012 7,177 8,604 9,328 17,157
Details may not add up to totals due to rounding-off Source: Department of Supervisory Analytics, Financial Supervision Sector
II. 78 Table 4.a.2a INCOMEINCOME STATEMENTSTATEMENT Private Domestic Universal and Commercial Banks 20142015 - 20182019 In Million Pesos Selected Accounts 2015 2016 2017 2018 2019 Total Operating Income 296,265 337,193 377,173 430,504 514,519 Net interest income 211,903 237,013 281,223 328,062 383,788 Interest Income 275,904 307,288 364,505 460,361 573,832 Provision for Losses on Accrued Interest Income from Financial Assets 173 60 238 1,222 7 Less: Interest Expenses 63,828 70,214 83,044 131,077 190,037 Non-interest income 84,362 100,180 95,950 102,441 130,731 Dividend Income 1,017 995 873 840 698 Fee-based income 46,151 49,389 58,021 64,756 71,123 Payment Services 1,680 1,375 1,464 1,521 1,360 Intermediation Services 14,105 14,382 16,442 18,949 22,305 Custodianship 0 0 0 0 0 Underwriting and Securities Dealership 270 28 6 4 2 Income from Securities Brokering Activities 26 51 96 82 110 Securitization Activities 0 0 0 0 0 Income from Fiduciary Activities 8,806 8,797 7,027 6,728 6,039 Others 21,264 24,756 32,986 37,472 41,306 Trading Income 27,941 42,949 28,572 28,649 52,137 Realized Gains/(Losses) from Sale/Redemption 1,226 7,386 9,637 2,395 13,362 Government Securities 858 3,327 -24 -1,080 8,141 Private Securities/CPs/Equity Securities 316 565 144 -221 630 Financial Futures/Options/Fwds/Swaps 52 3,494 9,517 3,695 4,590 Unrealized Gains/(Losses) from Marking-to-Market 414 472 -1,402 3,558 -2,784 Government Securities -967 315 -22 4 882 Private Securities/CPs/Equity Securities -326 68 106 -185 201 Financial Futures/Options/Fwds/Swaps 1,707 89 -1,486 3,740 -3,866 Realized Gains/(Losses) from Foreign Exchange Transactions -1,549 1,112 -3,442 1,367 3,860 Foreign Exchange Profit/(Loss) 6,096 3,875 7,244 4,626 5,502 Profit/(Loss) from Sale/Redemption/Derecognition of Non-Trading 13,286 23,468 7,197 3,735 27,279 Financial Assets and Liabilities Profit/(Loss) from Sale/Derecognition of Non-Financial Assets 8,655 6,368 9,168 12,918 4,943 Profit/(Loss) on Financial Assets and Liabilities Designated at Fair -189 265 172 -41 -22 Value through Profit or Loss Profit/(Loss) on Fair Value Adjustment in Hedge Accounting 1 2 -2 91 -3 Other income 9,254 6,847 8,484 8,196 6,772 Non-interest Expense 187,232 212,029 238,831 275,381 301,906 Compensation/Fringe Benefits 72,184 80,178 86,866 95,113 102,640 Taxes and Licenses 17,309 18,679 21,822 28,036 34,558 Fees and Commission 4,417 4,707 11,639 14,084 16,824 Other Administrative Expenses 80,095 92,441 101,360 118,953 119,727 Depreciation/Amortization 14,299 15,365 16,764 17,919 25,313 Impairment Losses 494 360 673 525 2,114 Provisions -1,567 299 -294 752 729 Losses/Recoveries on Financial Assets -11,153 -19,387 -20,829 -18,119 -33,207 Provision for Credit Losses on Loans and Receivables and Other -15,289 -21,456 -22,938 -22,204 -35,416 Financial Assets Bad Debts Written Off 0 -0 0 0 0 Recovery on Charged-Off Assets 4,136 2,069 2,109 4,085 2,209 Net Profit Before Share in the Profit/(Loss) of Unconsolidated 97,880 105,776 117,514 137,004 179,406 Subsidiaries, Associates and Joint Ventures Accounted for Using the Equity Method Share in the Profit/(Loss) of Unconsolidated Subsidiaries, Associates 17,685 22,220 27,185 21,876 24,792 and Joint Ventures Accounted for Using the Equity Method Total Profit/Loss Before Tax and Before Minority Interest 115,565 127,996 144,699 158,880 204,199 Income Tax Expense 19,308 19,832 27,081 32,299 38,995 Total Profit/Loss After Tax and Before Minority Interest 96,256 108,164 117,618 126,580 165,204 Minority Interest in Profit/(Loss) of Subsidiaries 0 0 0 0 0 Net Profit or Loss 96,256 108,164 117,618 126,580 165,204
Details may not add up to totals due to rounding-off Source: Department of Supervisory Analytics, Financial Supervision Sector
II. 79 Table 4.a.2b INCOMEINCOME STATEMENTSTATEMENT Government Banks 1/ 2015 2014 - - 2019 2018 In In Million Million Pesos Pesos
Selected Accounts 2015 2016 2017 2018 2019 Total Operating Income 49,497 51,890 60,438 71,620 82,642 Net interest income 40,076 44,650 52,665 62,078 71,776 Interest Income 54,859 60,903 68,234 83,153 106,180 Provision for Losses on Accrued Interest Income from Financial Assets 0 0 2 0 64 Less: Interest Expenses 14,783 16,252 15,567 21,075 34,340 Non-interest income 9,420 7,239 7,772 9,542 10,866 Dividend Income 2,310 2,652 2,040 2,238 2,403 Fee-based income 2,095 2,238 2,678 2,870 3,409 Payment Services 159 244 372 259 163 Intermediation Services 452 482 506 553 827 Custodianship 0 0 0 0 0 Underwriting and Securities Dealership 132 75 10 85 42 Income from Securities Brokering Activities 6 27 43 61 55 Securitization Activities 0 0 0 0 0 Income from Fiduciary Activities 256 287 281 297 342 Others 1,090 1,124 1,466 1,615 1,981 Trading Income 3,838 1,550 2,395 3,026 4,663 Realized Gains/(Losses) from Sale/Redemption -1,047 -946 94 -1,418 1,500 Government Securities 3 279 368 79 1,044 Private Securities/CPs/Equity Securities 4 9 36 -73 -36 Financial Futures/Options/Fwds/Swaps -1,054 -1,234 -310 -1,423 492 Unrealized Gains/(Losses) from Marking-to-Market -36 100 729 1,940 1,391 Government Securities -111 -75 -34 -40 39 Private Securities/CPs/Equity Securities 0 -1 -0 66 103 Financial Futures/Options/Fwds/Swaps 74 177 763 1,914 1,249 Realized Gains/(Losses) from Foreign Exchange Transactions 412 432 337 550 388 Foreign Exchange Profit/(Loss) 603 455 -222 1,038 655 Profit/(Loss) from Sale/Redemption/Derecognition of Non-Trading 3,273 869 613 185 210 Financial Assets and Liabilities Profit/(Loss) from Sale/Derecognition of Non-Financial Assets 632 640 843 688 428 Profit/(Loss) on Financial Assets and Liabilities Designated at Fair 0 0 0 43 91 Value through Profit or Loss Profit/(Loss) on Fair Value Adjustment in Hedge Accounting 0 0 0 0 0 Other income 1,178 799 661 1,408 391 Non-interest Expense 29,772 31,325 36,921 44,349 47,871 Compensation/Fringe Benefits 11,426 11,795 14,539 17,464 17,412 Taxes and Licenses 2,995 3,409 4,032 5,091 6,192 Fees and Commission 2,437 2,117 2,101 2,095 2,104 Other Administrative Expenses 11,740 12,523 14,481 17,884 20,030 Depreciation/Amortization 1,144 1,313 1,437 1,765 1,942 Impairment Losses 29 104 22 52 12 Provisions 0 63 308 0 179 Losses/Recoveries on Financial Assets -205 -680 -2,563 -3,368 -6,414 Provision for Credit Losses on Loans and Receivables and Other -327 -773 -2,680 -3,453 -6,515 Financial Assets Bad Debts Written Off -0 0 -3 -0 -2 Recovery on Charged-Off Assets 122 93 121 85 103 Net Profit Before Share in the Profit/(Loss) of Unconsolidated 19,520 19,885 20,954 23,903 28,357 Subsidiaries, Associates and Joint Ventures Accounted for Using the Equity Method Share in the Profit/(Loss) of Unconsolidated Subsidiaries, Associates -44 14 35 25 -144 and Joint Ventures Accounted for Using the Equity Method Total Profit/Loss Before Tax and Before Minority Interest 19,476 19,899 20,989 23,929 28,213 Income Tax Expense 1,556 2,176 1,867 2,790 3,886 Total Profit/Loss After Tax and Before Minority Interest 17,920 17,722 19,122 21,139 24,327 Minority Interest in Profit/(Loss) of Subsidiaries 0 0 0 0 0 Net Profit or Loss 17,920 17,722 19,122 21,139 24,327
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: Department of Supervisory Analytics, Financial Supervision Sector
II. 80 Table 4.a.2c INCOMEINCOME STATEMENT STATEMENT Foreign Bank Branches (Universal/Commercial Bank) 20152014 - 20192018 InIn MillionMillion PesosPesos
Selected Accounts 2015 2016 2017 2018 2019 Total Operating Income 43,503 47,355 45,461 54,011 63,045 Net interest income 26,290 27,156 28,840 34,779 41,455 Interest Income 29,820 30,413 33,492 42,610 51,999 Provision for Losses on Accrued Interest Income from Financial Assets -0 -0 0 0 0 Less: Interest Expenses 3,530 3,258 4,652 7,831 10,544 Non-interest income 17,213 20,199 16,621 19,233 21,591 Dividend Income 532 435 385 274 227 Fee-based income 10,112 10,363 10,031 10,607 11,022 Payment Services 712 714 562 577 549 Intermediation Services 5,275 5,259 4,937 5,392 5,734 Custodianship 945 810 946 913 945 Underwriting and Securities Dealership 164 18 17 14 8 Income from Securities Brokering Activities 21 29 34 43 51 Securitization Activities 0 0 0 0 0 Income from Fiduciary Activities 255 190 186 188 195 Others 2,740 3,342 3,348 3,480 3,541 Trading Income 5,435 5,514 4,709 6,925 9,079 Realized Gains/(Losses) from Sale/Redemption -4,664 -7,233 1,267 -3,626 6,323 Government Securities 152 622 211 -806 3,665 Private Securities/CPs/Equity Securities 62 14 8 2 0 Financial Futures/Options/Fwds/Swaps -4,878 -7,870 1,048 -2,822 2,658 Unrealized Gains/(Losses) from Marking-to-Market 1,755 -18 -3,395 6,528 -3,011 Government Securities -22 128 -143 19 16 Private Securities/CPs/Equity Securities 3 5 -6 145 48 Financial Futures/Options/Fwds/Swaps 1,775 -151 -3,246 6,364 -3,074 Realized Gains/(Losses) from Foreign Exchange Transactions 7,684 9,999 6,994 -373 2,031 Foreign Exchange Profit/(Loss) 422 2,195 -206 2,738 2,670 Profit/(Loss) from Sale/Redemption/Derecognition of Non-Trading 185 452 54 -241 1,064 Financial Assets and Liabilities Profit/(Loss) from Sale/Derecognition of Non-Financial Assets 46 115 -4 1,902 5 Profit/(Loss) on Financial Assets and Liabilities Designated at Fair -17 0 0 0 0 Value through Profit or Loss Profit/(Loss) on Fair Value Adjustment in Hedge Accounting 22 3 0 -4 -3 Other income 1,134 3,887 1,495 1,427 1,263 Non-interest Expense 30,580 31,033 30,075 33,244 36,162 Compensation/Fringe Benefits 9,289 9,440 9,286 9,674 10,396 Taxes and Licenses 3,253 3,471 3,125 3,772 4,568 Fees and Commission 1,655 1,768 1,710 1,876 1,747 Other Administrative Expenses 15,642 15,438 15,235 16,980 18,287 Depreciation/Amortization 681 760 672 859 1,106 Impairment Losses 32 0 8 0 18 Provisions 29 157 39 83 39 Losses/Recoveries on Financial Assets -3,787 -496 -3,819 -3,193 -3,668 Provision for Credit Losses on Loans and Receivables and Other -1,549 -3,167 -1,996 -1,406 -1,431 Financial Assets Bad Debts Written Off -4,384 -3,590 -3,151 -3,271 -3,797 Recovery on Charged-Off Assets 2,146 6,260 1,328 1,484 1,559 Net Profit Before Share in the Profit/(Loss) of Unconsolidated 9,136 15,826 11,567 17,573 23,215 Subsidiaries, Associates and Joint Ventures Accounted for Using the Equity Method Share in the Profit/(Loss) of Unconsolidated Subsidiaries, Associates 0 0 204 155 354 and Joint Ventures Accounted for Using the Equity Method Total Profit/Loss Before Tax and Before Minority Interest 9,136 15,826 11,771 17,728 23,569 Income Tax Expense 3,920 4,845 3,477 5,799 6,359 Total Profit/Loss After Tax and Before Minority Interest 5,216 10,981 8,294 11,929 17,210 Minority Interest in Profit/(Loss) of Subsidiaries 0 0 0 0 0 Net Profit or Loss 5,216 10,981 8,294 11,929 17,210
Details may not add up to totals due to rounding-off
Source: Department of Supervisory Analytics, Financial Supervision Sector
II. 81 Table 4.a.2d INCOMEINCOME STATEMENTSTATEMENT Foreign Bank Subsidiaries (Universal/Commercial Bank) 2015 2014 - - 2019 2018 In In Million Million Pesos Pesos
Selected Accounts 2015 2016 2017 2018 2019 Total Operating Income 7,016 7,298 8,156 8,067 8,424 Net interest income 5,609 6,058 6,655 6,863 7,034 Interest Income 6,701 7,371 8,354 9,783 10,801 Provision for Losses on Accrued Interest Income from Financial Assets 12 8 22 23 28 Less: Interest Expenses 1,080 1,305 1,678 2,896 3,739 Non-interest income 1,407 1,240 1,501 1,204 1,389 Dividend Income 1 6 5 5 3 Fee-based income 726 620 616 683 651 Payment Services 0 0 0 0 0 Intermediation Services 480 397 394 411 375 Custodianship 0 0 0 0 0 Underwriting and Securities Dealership 0 0 0 0 0 Income from Securities Brokering Activities 0 0 0 0 0 Securitization Activities 0 0 0 0 0 Income from Fiduciary Activities 41 42 44 52 42 Others 205 181 178 220 234 Trading Income 368 272 377 -42 264 Realized Gains/(Losses) from Sale/Redemption -2,471 118 173 -127 -168 Government Securities 21 178 27 7 156 Private Securities/CPs/Equity Securities 4 2 0 -1 -0 Financial Futures/Options/Fwds/Swaps -2,496 -62 146 -133 -324 Unrealized Gains/(Losses) from Marking-to-Market 116 104 -161 -71 79 Government Securities 20 -0 -3 4 -3 Private Securities/CPs/Equity Securities 0 0 -1 1 0 Financial Futures/Options/Fwds/Swaps 96 104 -158 -76 82 Realized Gains/(Losses) from Foreign Exchange Transactions 2,574 -96 39 -271 403 Foreign Exchange Profit/(Loss) 58 202 222 458 -495 Profit/(Loss) from Sale/Redemption/Derecognition of Non-Trading 69 95 75 -14 115 Financial Assets and Liabilities Profit/(Loss) from Sale/Derecognition of Non-Financial Assets 21 -151 29 -17 330 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 313 341 503 557 472 Non-interest Expense 5,001 5,478 5,948 6,231 6,503 Compensation/Fringe Benefits 2,070 2,325 2,438 2,508 2,586 Taxes and Licenses 411 448 548 609 683 Fees and Commission 122 145 158 196 203 Other Administrative Expenses 1,971 2,097 2,128 2,438 2,350 Depreciation/Amortization 409 429 537 465 652 Impairment Losses 18 34 6 17 22 Provisions 0 0 133 -2 6 Losses/Recoveries on Financial Assets -711 -1,564 -393 -1,286 -497 Provision for Credit Losses on Loans and Receivables and Other -798 -1,712 -547 -1,611 -1,290 Financial Assets Bad Debts Written Off -0 0 0 0 0 Recovery on Charged-Off Assets 87 149 155 324 794 Net Profit Before Share in the Profit/(Loss) of Unconsolidated 1,304 256 1,815 550 1,424 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 1,304 256 1,815 550 1,424 Income Tax Expense 421 168 518 268 287 Total Profit/Loss After Tax and Before Minority Interest 883 88 1,297 282 1,137 Minority Interest in Profit/(Loss) of Subsidiaries 0 0 0 0 0 Net Profit or Loss 883 88 1,297 282 1,137
Details may not add up to totals due to rounding-off Source: Department of Supervisory Analytics, Financial Supervision Sector
II. 82 Table 4.b INCOME INCOME STATEMENT STATEMENT Thrift Thrift Banks Banks 20152014 - 20192018 InIn MillionMillion PesosPesos
Selected Accounts 2015 2016 2017 2018 2019
Total Operating Income 60,931 66,931 72,798 75,272 74,862 Net interest income 49,120 53,686 58,866 62,177 61,505 Interest Income 65,105 70,893 77,176 86,590 90,731 Provision for Losses on Accrued Interest Income from Financial Assets 125 186 100 77 188 Less: Interest Expenses 15,860 17,021 18,211 24,336 29,038 Non-interest income 11,811 13,245 13,932 13,095 13,357 Dividend Income 26 27 22 11 12 Fee-based income 8,118 8,901 8,897 8,885 7,761 Payment Services 271 370 292 265 355 Intermediation Services 3,696 3,911 4,615 5,391 6,365 Custodianship 0 5 4 3 4 Underwriting and Securities Dealership 0 0 0 0 0 Income from Securities Brokering Activities 0 0 0 0 0 Securitization Activities 0 0 0 0 0 Income from Fiduciary Activities 102 109 114 124 77 Others 4,049 4,507 3,872 3,102 959 Trading Income 1,817 2,532 2,954 2,185 3,415 Realized Gains/(Losses) from Sale/Redemption 129 469 145 -118 412 Government Securities 127 470 141 -114 384 Private Securities/CPs/Equity Securities 7 3 5 -4 28 Financial Futures/Options/Fwds/Swaps -5 -4 0 0 0 Unrealized Gains/(Losses) from Marking-to-Market -239 -2 -14 7 -58 Government Securities -239 -1 -14 8 -60 Private Securities/CPs/Equity Securities -0 -1 0 -1 2 Financial Futures/Options/Fwds/Swaps 0 0 0 0 0 Realized Gains/(Losses) from Foreign Exchange Transactions 84 60 60 59 119 Foreign Exchange Profit/(Loss) 186 154 124 236 138 Profit/(Loss) from Sale/Redemption/Derecognition of Non-Trading 135 291 123 274 481 Financial Assets and Liabilities Profit/(Loss) from Sale/Derecognition of Non-Financial Assets 1,527 1,553 2,510 1,729 2,317 Profit/(Loss) on Financial Assets and Liabilities Designated at Fair -0 4 4 -2 6 Value through Profit or Loss Profit/(Loss) on Fair Value Adjustment in Hedge Accounting -5 3 0 0 0 Other income 1,849 1,785 2,059 2,014 2,169 Non-interest Expense 40,672 42,903 45,911 50,850 50,862 Compensation/Fringe Benefits 13,094 13,830 15,074 16,792 16,207 Taxes and Licenses 3,425 3,771 4,088 4,538 5,053 Fees and Commission 979 1,279 1,710 1,901 2,696 Other Administrative Expenses 17,166 18,081 19,992 22,543 20,510 Depreciation/Amortization 3,478 3,974 4,083 3,861 4,927 Impairment Losses 500 351 261 477 524 Provisions 2,030 1,617 704 738 944 Losses/Recoveries on Financial Assets -5,334 -6,890 -4,960 -4,746 -5,681 Provision for Credit Losses on Loans and Receivables and Other -5,837 -7,362 -5,557 -5,475 -6,317 Financial Assets Bad Debts Written Off -28 -31 -29 -20 -26 Recovery on Charged-Off Assets 532 503 626 749 662 Net Profit Before Share in the Profit/(Loss) of Unconsolidated 14,925 17,138 21,927 19,676 18,320 Subsidiaries, Associates and Joint Ventures Accounted for Using the Equity Method Share in the Profit/(Loss) of Unconsolidated Subsidiaries, Associates 67 125 394 338 262 and Joint Ventures Accounted for Using the Equity Method Total Profit/Loss Before Tax and Before Minority Interest 14,992 17,263 22,321 20,013 18,582 Income Tax Expense 3,206 3,374 4,382 4,183 4,108 Total Profit/Loss After Tax and Before Minority Interest 11,786 13,889 17,939 15,830 14,473 Minority Interest in Profit/(Loss) of Subsidiaries 0 0 0 0 0 Net Profit or Loss 11,786 13,889 17,939 15,830 14,473
Details may not add up to totals due to rounding-off Source: Department of Supervisory Analytics, Financial Supervision Sector
II. 83 Table 4.c INCOME STATEMENT Rural and Cooperative Banks 2015 - 2019 In Million Pesos
Selected Accounts 2015 2016 2017 2018 2019 Total Operating Income 22,460 24,367 26,760 28,629 31,865 Net interest income 16,151 17,395 19,151 21,629 24,758 Interest Income 20,118 21,210 22,895 25,518 29,332 Provision for Losses on Accrued Interest Income from Financial Assets 24 1 14 10 2 Less: Interest Expenses 3,944 3,814 3,731 3,879 4,573 Non-interest income 6,309 6,972 7,609 7,000 7,107 Dividend Income 7 0 0 2 1 Fee-based income 3,668 4,437 4,528 3,990 4,496 Payment Services 406 471 504 475 370 Intermediation Services 2,107 1,750 1,978 1,605 1,445 Custodianship 0 0 0 0 0 Underwriting and Securities Dealership 0 0 0 0 0 Income from Securities Brokering Activities 0 0 0 0 0 Securitization Activities 0 0 0 0 0 Income from Fiduciary Activities 0 0 0 0 0 Others 1,154 2,216 2,047 1,910 2,681 Trading Income 1,424 1,173 1,532 1,428 1,080 Realized Gains/(Losses) from Sale/Redemption 5 2 6 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 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) 4 6 2 5 1 Profit/(Loss) from Sale/Redemption/Derecognition of Non-Trading 238 9 33 23 13 Financial Assets and Liabilities Profit/(Loss) from Sale/Derecognition of Non-Financial Assets 1,128 1,131 1,394 1,329 1,181 Profit/(Loss) on Financial Assets and Liabilities Designated at Fair 48 26 97 70 -116 Value through Profit or Loss Profit/(Loss) on Fair Value Adjustment in Hedge Accounting 0 0 0 0 0 Other income 1,210 1,362 1,547 1,580 1,531 Non-interest Expense 17,129 18,529 20,480 22,239 24,396 Compensation/Fringe Benefits 7,190 8,033 8,902 9,893 11,085 Taxes and Licenses 1,413 1,507 1,692 1,852 2,157 Fees and Commission 84 145 275 240 233 Other Administrative Expenses 6,155 6,315 6,955 7,534 7,977 Depreciation/Amortization 1,232 1,345 1,437 1,461 1,734 Impairment Losses 59 49 46 48 156 Provisions 996 1,136 1,172 1,211 1,055 Losses/Recoveries on Financial Assets -956 -1,021 -1,184 -1,217 -1,279 Provision for Credit Losses on Loans and Receivables and Other -1,005 -1,061 -1,258 -1,315 -1,446 Financial Assets Bad Debts Written Off -106 -132 -114 -110 -85 Recovery on Charged-Off Assets 155 172 189 208 252 Net Profit Before Share in the Profit/(Loss) of Unconsolidated 4,375 4,817 5,096 5,173 6,189 Subsidiaries, Associates and Joint Ventures Accounted for Using the Equity Method Share in the Profit/(Loss) of Unconsolidated Subsidiaries, Associates 0 0 87 131 153 and Joint Ventures Accounted for Using the Equity Method Total Profit/Loss Before Tax and Before Minority Interest 4,375 4,817 5,184 5,304 6,342 Income Tax Expense 1,095 1,352 1,378 1,349 1,711 Total Profit/Loss After Tax and Before Minority Interest 3,280 3,465 3,806 3,954 4,631 Minority Interest in Profit/(Loss) of Subsidiaries 0 0 0 0 0 Net Profit or Loss 3,280 3,465 3,806 3,954 4,631
Details may not add up to totals due to rounding-off Source: Department of Supervisory Analytics, Financial Supervision Sector
II. 84 Table 5 SUMMARY REPORT ON COMPLIANCE WITH AGRI-AGRA REFORM CREDIT ACT OF 2009 1/ The Philippine Banking System 2015 - 2019 In Million Pesos
2019 SELECTED ACCOUNTS 2015 2016 2017 2018 3.31 6.30 9.30 12.31
Total Loanable Funds Generated 2,843,931 3,529,072 4,134,275 4,963,297 4,960,461 5,292,688 5,537,199 6,173,601
Minimum Requirements 10% for Agrarian Reform 284,393 352,907 413,427 496,330 496,046 529,269 553,720 617,360 15% for Agricultural / Other Credits 426,590 529,361 620,141 744,494 744,069 793,903 830,580 926,040 25% Total 710,983 882,268 1,033,569 1,240,824 1,240,115 1,323,172 1,384,300 1,543,400
Direct Compliance/Utilization 10% for Agrarian Reform 31,496 36,013 43,464 39,062 39,049 40,640 42,000 47,112 15% for Agricultural / Other Credits 401,233 452,188 530,226 304,247 304,393 312,159 314,550 322,721 25% Total 432,729 488,201 573,690 343,309 343,442 352,799 356,550 369,833
Alternative Compliance 10% for Agrarian Reform 5,664 7,754 16,839 19,644 19,709 19,472 19,597 21,344 15% for Agricultural / Other Credits 227,462 234,278 277,206 344,443 347,846 353,839 338,125 342,744 25% Total 233,126 242,031 294,045 364,086 367,556 373,311 357,721 364,088
Excess/(Deficiency) 10% for Agrarian Reform (252,897) (316,895) (369,964) (438,353) (438,017) (469,766) (492,875) (549,822) 15% for Agricultural / Other Credits (25,357) (77,173) (89,915) (95,076) (91,101) (127,137) (176,929) (259,347) 25% Total (278,253) (394,067) (459,879) (533,429) (529,118) (596,902) (669,804) (809,169)
Compliance Ratio (%) 10% for Agrarian Reform 1.11% 1.02% 1.05% 1.17% 1.17% 1.12% 1.09% 1.09% 15% for Agricultural / Other Credits 14.11% 12.81% 12.83% 13.08% 13.16% 12.60% 11.80% 10.80% 25% Total 15.22% 13.83% 13.88% 14.25% 14.33% 13.72% 12.90% 11.89%
1/ Republic Act No. 10000
Details may not add up to totals due to rounding-off Source: Department of Supervisory Analytics, Financial Supervision Sector
II. 85 Table 5.a SUMMARY REPORT ON COMPLIANCE WITH AGRI-AGRA REFORM CREDIT ACT OF 2009 1/ Universal and Commercial Banks 2015 - 2019 In Million Pesos
2019 SELECTED ACCOUNTS 2015 2016 2017 2018 3.31 6.30 9.30 12.31
Total Loanable Funds Generated 2,671,069 3,315,058 3,869,028 4,648,513 4,654,154 4,975,148 5,197,584 5,809,261
Minimum Requirements 10% for Agrarian Reform 267,107 331,506 386,903 464,851 465,415 497,515 519,758 580,926 15% for Agricultural / Other Credits 400,660 497,259 580,354 697,277 698,123 746,272 779,638 871,389 25% Total 667,767 828,765 967,257 1,162,128 1,163,538 1,243,787 1,299,396 1,452,315
Direct Compliance/Utilization 10% for Agrarian Reform 21,584 24,554 31,179 29,426 29,999 31,874 32,954 37,453 15% for Agricultural / Other Credits 373,694 422,559 499,401 276,374 277,584 284,357 286,267 292,920 25% Total 395,278 447,113 530,581 305,800 307,583 316,231 319,221 330,373
Alternative Compliance 10% for Agrarian Reform 5,190 5,940 14,210 16,604 16,784 16,563 16,547 18,362 15% for Agricultural / Other Credits 223,122 229,679 271,582 336,220 340,228 344,544 329,652 334,198 25% Total 228,312 235,619 285,793 352,823 357,013 361,107 346,199 352,559
Excess/(Deficiency) 10% for Agrarian Reform (245,523) (306,952) (355,723) (418,822) (418,632) (449,078) (470,258) (525,112) 15% for Agricultural / Other Credits (26,966) (74,700) (80,953) (84,683) (80,311) (117,371) (163,719) (244,272) 25% Total (272,489) (381,652) (436,676) (503,505) (498,943) (566,449) (633,977) (769,383)
Compliance Ratio (%) 10% for Agrarian Reform 0.81% 0.74% 0.81% 0.99% 1.01% 0.97% 0.95% 0.96% 15% for Agricultural / Other Credits 13.99% 12.75% 12.91% 13.18% 13.27% 12.64% 11.85% 10.80% 25% Total 14.80% 13.49% 13.71% 14.17% 14.28% 13.61% 12.80% 11.76%
1/ Republic Act No. 10000
Details may not add up to totals due to rounding-off Source: Department of Supervisory Analytics, Financial Supervision Sector
II. 86 Table 5.b SUMMARYSUMMARY REPORTREPORT ONON COMPLIANCECOMPLIANCE WITHWITH AGRI-AGRAAGRI-AGRA REFORMREFORM CREDITCREDIT ACTACT OFOF 20092009 1/1/ Thrift Banks 2015 - 2019 In Million Pesos
2019 SELECTED ACCOUNTS 2015 2016 2017 2018 3.31 6.30 9.30 12.31
Total Loanable Funds Generated 130,959 163,370 198,001 234,564 225,217 232,032 252,516 270,331
Minimum Requirements 10% for Agrarian Reform 13,096 16,337 19,800 23,456 22,522 23,203 25,252 27,033 15% for Agricultural / Other Credits 19,644 24,505 29,700 35,185 33,783 34,805 37,877 40,550 25% Total 32,740 40,842 49,500 58,641 56,304 58,008 63,129 67,583
Direct Compliance/Utilization 10% for Agrarian Reform 2,374 3,131 3,184 2,033 1,539 1,490 1,644 1,689 15% for Agricultural / Other Credits 13,281 15,047 14,035 9,855 9,161 9,605 10,286 10,373 25% Total 15,655 18,178 17,219 11,887 10,701 11,096 11,931 12,061
Alternative Compliance 10% for Agrarian Reform 29 557 1,016 994 758 737 729 741 15% for Agricultural / Other Credits 4,025 4,170 5,206 7,646 7,013 8,779 7,924 7,907 25% Total 4,053 4,727 6,222 8,640 7,771 9,515 8,653 8,649
Excess/(Deficiency) 10% for Agrarian Reform (10,722) (13,206) (16,616) (20,477) (20,262) (21,015) (22,914) (24,636) 15% for Agricultural / Other Credits (6,363) (9,459) (15,665) (17,637) (17,571) (16,382) (19,632) (22,237) 25% Total (17,085) (22,664) (32,281) (38,114) (37,833) (37,397) (42,546) (46,873)
Compliance Ratio (%) 10% for Agrarian Reform 1.81% 1.92% 1.61% 1.27% 1.00% 0.94% 0.93% 0.89% 15% for Agricultural / Other Credits 10.14% 9.21% 7.09% 7.48% 7.20% 7.94% 7.23% 6.77% 25% Total 11.95% 11.13% 8.70% 8.75% 8.20% 8.88% 8.15% 7.66%
1/ Republic Act No. 10000
Details may not add up to totals due to rounding-off Source: Department of Supervisory Analytics, Financial Supervision Sector
II. 87 Table 5.c SUMMARY REPORT ON COMPLIANCE WITH AGRI-AGRA REFORM CREDIT ACT OF 2009 1/ Rural and Cooperative Banks 2015 - 2019 In Million Pesos
2019 SELECTED ACCOUNTS 2015 2016 2017 2018 3.31 6.30 9.30 12.31
Total Loanable Funds Generated 41,903 50,644 67,245 80,219 81,091 85,508 87,099 94,009
Minimum Requirements 10% for Agrarian Reform 4,190 5,064 6,725 8,021.90 8,109 8,551 8,710 9,401 15% for Agricultural / Other Credits 6,285 7,597 10,087 12,033 12,164 12,826 13,065 14,101 25% Total 10,476 12,661 16,811 20,055 20,273 21,377 21,775 23,502
Direct Compliance/Utilization 10% for Agrarian Reform 7,539 8,327 9,100 7,603 7,511 7,276 7,402 7,970 15% for Agricultural / Other Credits 7,972 14,582 16,789 18,018 17,648 18,197 17,997 19,429 25% Total 15,511 22,910 25,889 25,622 25,159 25,473 25,399 27,398
Alternative Compliance 10% for Agrarian Reform 445 1,257 1,613 2,046 2,167 2,172 2,321 2,241 15% for Agricultural / Other Credits 316 429 418 577 605 516 549 639 25% Total 760 1,686 2,031 2,623 2,772 2,688 2,870 2,880
Excess/(Deficiency) 10% for Agrarian Reform 3,349 3,263 2,376 946 877 327 296 (75) 15% for Agricultural / Other Credits 1,687 6,985 6,702 7,244 6,781 6,617 6,422 7,162 25% Total 5,036 10,249 9,078 8,190 7,658 6,943 6,718 7,087
Compliance Ratio (%) 10% for Agrarian Reform 17.99% 16.44% 13.53% 11.18% 11.08% 10.20% 10.08% 9.59% 15% for Agricultural / Other Credits 34.03% 28.79% 24.97% 24.03% 23.36% 22.74% 22.37% 22.62% 25% Total 52.02% 45.24% 38.50% 35.21% 34.44% 32.94% 32.45% 32.21%
1/ Republic Act No. 10000
Details may not add up to totals due to rounding-off Source: Department of Supervisory Analytics, Financial Supervision Sector
II. 88 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 2015 - 2019 In Million Pesos
2019 SELECTED ACCOUNTS 2015 2016 2017 2018 3.31 6.30 9.30 12.31
Total Loan Portfolio (Net of Exclusions) 4,702,652 5,462,190 6,438,258 7,495,487 7,830,157 7,760,706 7,839,457 8,148,659
MICRO, SMALL AND MEDIUM ENTERPRISES CREDIT (8% and 2%) Direct Compliance 494,336 503,479 535,941 573,726 540,410 551,632 546,883 579,059 Alternative Compliance 1,443 1,603 1,697 1,059 663 455 232 180 Excess compliance of a bank/s used by another bank/s 0 0 0 0 0 10 7 4,508 Total Eligible Investment for MSMEs 495,779 505,082 537,638 574,784 541,078 552,087 547,121 579,239 Minimum Amount Required to be Allocated 470,265 546,219 643,826 749,549 783,016 776,071 783,948 814,866 Percent of Compliance (%) 10.54 9.25 8.35 7.67 6.91 7.11 6.98 7.11
MICRO AND SMALL ENTERPRISES (MSEs) CREDIT ( 8% ) Direct Compliance 203,561 206,774 212,496 232,827 212,778 213,744 219,359 228,385 Alternative Compliance 1,152 1,218 1,317 799 426 261 83 82 Excess compliance of a bank/s used by another bank/s 0 0 0 0 0 7 4 4,508 Total Eligible Investment for MSEs 204,713 207,992 213,813 233,626 213,205 214,004 219,449 228,467 Minimum Amount Required to be Allocated 376,212 436,975 515,061 599,639 626,413 620,856 627,158 651,893 Percent of Compliance (%) 4.35 3.81 3.32 3.12 2.72 2.76 2.80 2.80
MEDIUM ENTERPRISES (MEs) CREDIT ( 2% ) Direct Compliance 290,775 296,705 323,445 340,899 327,632 337,888 327,524 350,674 Alternative Compliance 291 385 380 260 241 195 149 99 Excess compliance of a bank/s used by another bank/s 0 0 0 0 0 2 2 0 Total Eligible Investment for MEs 291,066 297,090 323,825 341,159 327,874 338,083 327,672 350,773 Minimum Amount Required to be Allocated 94,053 109,244 128,765 149,910 156,603 155,214 156,790 162,973 Percent of Compliance (%) 6.19 5.44 5.03 4.55 4.19 4.36 4.18 4.30
Details may not add up to totals due to rounding-off.
Source: Department of Supervisory Analytics, Financial Supervision Sector
II.89 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 2015 - 2019 In Million Pesos
2019 SELECTED ACCOUNTS 2015 2016 2017 2018 3.31 6.30 9.30 12.31
Total Loan Portfolio (Net of Exclusions) 3,905,018 4,667,820 5,558,991 6,549,928 6,875,522 6,796,781 6,958,078 7,257,755
MICRO, SMALL AND MEDIUM ENTERPRISES CREDIT (8% and 2%) Direct Compliance 345,538 379,464 417,513 450,409 419,483 428,991 428,713 459,020 Alternative Compliance 779 946 887 378 23 5 5 5 Excess compliance of a bank/s used by another bank/s 8,798 2,822 644 1,972 2,453 2,860 3,536 4,508 Total Eligible Investment for MSMEs 355,115 383,232 419,044 452,759 419,511 428,996 428,719 459,026 Minimum Amount Required to be Allocated 390,502 466,782 555,899 654,993 687,552 679,678 695,808 725,775 Percent of Compliance (%) 9.09 8.21 7.54 6.91 6.14 6.35 6.21 6.39
MICRO AND SMALL ENTERPRISES (MSEs) CREDIT ( 8% ) Direct Compliance 123,006 136,061 146,907 163,050 144,727 145,492 153,239 160,489 Alternative Compliance 754 856 830 373 23 5 5 5 Excess compliance of a bank/s used by another bank/s 8,798 3,078 998 1,972 2,453 2,860 3,536 4,508 Total Eligible Investment for MSEs 132,559 139,995 148,735 165,394 144,750 145,497 153,244 160,494 Minimum Amount Required to be Allocated 312,401 373,426 444,719 523,994 550,042 543,743 556,646 580,620 Percent of Compliance (%) 3.39 3.00 2.68 2.53 2.14 2.18 2.25 2.27
MEDIUM ENTERPRISES (MEs) CREDIT ( 2% ) Direct Compliance 222,531 243,403 270,606 287,359 274,756 283,499 275,474 298,531 Alternative Compliance 25 90 57 5 5 0 0 0 Excess compliance of a bank/s used by another bank/s 0 -256 -354 0 0 0 0 0 Total Eligible Investment for MEs 222,556 243,237 270,309 287,365 274,761 283,499 275,474 298,531 Minimum Amount Required to be Allocated 78,100 93,356 111,180 130,999 137,510 135,936 139,162 145,155 Percent of Compliance (%) 5.70 5.21 4.86 4.39 4.00 4.17 3.96 4.11
Details may not add up to totals due to rounding-off.
Source: Department of Supervisory Analytics, Financial Supervision Sector
II.90 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 2015 - 2019 In Million Pesos
2019 SELECTED ACCOUNTS 2015 2016 2017 2018 3.31 6.30 9.30 12.31
Total Loan Portfolio (Net of Exclusions) 702,944 693,010 772,779 831,133 838,573 847,189 761,968 774,879
MICRO, SMALL AND MEDIUM ENTERPRISES CREDIT (8% and 2%) Direct Compliance 117,204 92,044 84,285 83,937 81,127 81,369 76,546 77,195 Alternative Compliance 444 406 474 434 401 288 133 57 Excess compliance of a bank/s used by another bank/s -8,699 -3,078 -998 -1,972 -2,453 -2,860 -3,393 0 Total Eligible Investment for MSMEs 108,950 89,372 83,761 82,398 81,528 81,657 76,679 77,252 Minimum Amount Required to be Allocated 70,294 69,301 77,278 83,113 83,857 84,719 76,197 77,488 Percent of Compliance (%) 15.50 12.90 10.84 9.91 9.43 9.30 9.62 9.49
MICRO AND SMALL ENTERPRISES (MSEs) CREDIT ( 8% ) Direct Compliance 58,541 48,462 41,993 42,411 41,190 40,502 38,374 38,931 Alternative Compliance 340 303 373 317 286 192 71 29 Excess compliance of a bank/s used by another bank/s -8,699 -3,078 -998 -1,972 -2,453 -2,860 -3,393 0 Total Eligible Investment for MSEs 50,182 45,686 41,368 40,756 41,476 40,694 38,444 38,959 Minimum Amount Required to be Allocated 56,236 55,441 61,822 66,491 67,086 67,775 60,957 61,990 Percent of Compliance (%) 7.14 6.59 5.35 4.90 4.65 4.47 4.60 4.54
MEDIUM ENTERPRISES (MEs) CREDIT ( 2% ) Direct Compliance 58,663 43,582 42,292 41,525 39,937 40,867 38,172 38,265 Alternative Compliance 104 103 101 117 115 97 63 28 Excess compliance of a bank/s used by another bank/s 0 -0 -0 0 0 0 0 0 Total Eligible Investment for MEs 58,767 43,686 42,392 41,642 40,052 40,964 38,235 38,293 Minimum Amount Required to be Allocated 14,059 13,860 15,456 16,623 16,771 16,944 15,239 15,498 Percent of Compliance (%) 8.36 6.29 5.49 5.01 4.78 4.84 5.02 4.94
Details may not add up to totals due to rounding-off.
Source: Department of Supervisory Analytics, Financial Supervision Sector
II.91 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 2015 - 2019 In Million Pesos
2019 SELECTED ACCOUNTS 2015 2016 2017 2018 3.31 6.30 9.30 12.31
Total Loan Portfolio (Net of Exclusions) 94,691 101,359 106,489 114,426 116,061 116,735 119,411 116,026
MICRO, SMALL AND MEDIUM ENTERPRISES CREDIT (8% and 2%) Direct Compliance 31,594 31,970 34,143 39,380 39,801 41,271 41,624 42,844 Alternative Compliance 219 251 335 247 239 163 93 118 Excess compliance of a bank/s used by another bank/s -99 256 354 0 0 10 -137 0 Total Eligible Investment for MSMEs 31,715 32,478 34,833 39,627 40,040 41,434 41,724 42,962 Minimum Amount Required to be Allocated 9,469 10,136 10,649 11,443 11,606 11,674 11,943 11,603 Percent of Compliance (%) 33.49 32.04 32.71 34.63 34.50 35.50 34.74 36.28
MICRO AND SMALL ENTERPRISES (MSEs) CREDIT ( 8% ) Direct Compliance 22,014 22,251 23,596 27,366 26,862 27,749 27,746 28,965 Alternative Compliance 57 60 114 110 117 65 7 48 Excess compliance of a bank/s used by another bank/s -99 0 0 0 0 7 -139 0 Total Eligible Investment for MSEs 21,972 22,310 23,709 27,475 26,979 27,814 27,760 29,013 Minimum Amount Required to be Allocated 7,575 8,109 8,519 9,154 9,285 9,339 9,555 9,282 Percent of Compliance (%) 23.20 22.01 22.26 24.01 23.25 23.83 23.04 24.26
MEDIUM ENTERPRISES (MEs) CREDIT ( 2% ) Direct Compliance 9,580 9,719 10,548 12,014 12,939 13,522 13,878 13,878 Alternative Compliance 162 192 222 138 122 98 86 71 Excess compliance of a bank/s used by another bank/s 0 256 354 0 0 2 2 0 Total Eligible Investment for MEs 9,743 10,167 11,123 12,152 13,061 13,620 13,964 13,949 Minimum Amount Required to be Allocated 1,894 2,027 2,130 2,289 2,321 2,335 2,389 2,321 Percent of Compliance (%) 10.29 10.03 10.45 10.62 11.25 11.67 11.70 12.02
Details may not add up to totals due to rounding-off.
Source: Department of Supervisory Analytics, Financial Supervision Sector
II.92 Table 7 PHILIPPINE FOREIGN CURRENCY DEPOSIT SYSTEM BALANCE SHEET The Philippine Banking System 2015 - 2019 In Million US$
2019 BALANCE SHEET ACCOUNTS 2015 2016 2017 2018 3.31 6.30 9.30 12.31
ASSETS 44,077 48,201 50,314 52,954 53,595 55,773 56,748 56,890
Cash on Hand 265 313 341 438 515 508 378 425 Checks and Other Cash Items 19 22 25 23 27 37 31 25 Due from Bangko Sentral ng Pilipinas 0 0 20 20 25 22 22 22 Due from Other Banks 4,944 6,596 6,566 3,834 3,582 4,305 3,630 4,873 Financial Assets Held for Trading (HFT) 2,024 1,541 1,318 1,372 1,631 1,005 1,487 1,061 Financial Assets Designated at Fair Value through Profit or Loss 6 1 1 6 4 11 13 5 Available-for-Sale (AFS) Financial Assets - Net 10,273 7,556 7,541 8,445 8,729 9,051 9,998 9,559 Held-to-Maturity (HTM) Financial Assets - Net 9,457 12,211 13,035 17,231 17,550 16,962 17,195 17,664 Unquoted Debt Securities Classified as Loans - Net 500 976 607 0 0 0 0 0 Loan Portfolio - Net 15,852 18,312 19,946 20,494 20,554 22,614 22,963 22,141 Derivatives with Positive Fair Value Held for Hedging 0 0 0 0 0 0 0 0 Accrued Interest Income from Financial Assets - Net 364 354 381 460 372 456 352 464 Real and Other Properties Acquired - Net 0 0 3 3 3 3 3 3 Non-Current Assets Held for Sale 0 0 0 0 0 0 0 26 Deferred Tax Asset 0 0 0 0 0 0 0 0 Other Assets - Net 371 317 530 629 602 798 674 623
LIABILITIES AND CAPITAL 44,077 48,201 50,314 52,954 53,595 55,773 56,748 56,890
Liabilities 43,432 47,525 49,619 52,385 53,233 55,082 55,720 55,761
Financial Liabilities Held for Trading 131 132 121 116 111 104 97 84 Financial Liabilities Designated at Fair Value through Profit or Loss 0 0 0 0 0 0 0 0 Deposit Liabilities 32,446 35,872 39,205 39,894 39,986 41,350 41,138 41,090 Due to Other Banks 727 688 529 468 392 351 476 323 Bills Payable 6,861 7,375 6,374 6,325 7,024 6,791 6,791 7,090 Bonds Payable - Net 2,034 2,035 2,160 3,925 3,926 4,822 5,520 5,522 Unsecured Subordinated Debt - Net 0 0 0 0 0 0 0 0 Derivatives with Negative Fair Value Held for Hedging 1 0 0 29 62 106 122 103 Accrued Interest Expense on Financial Liabilities 94 107 112 159 130 141 131 139 Due to Treasurer of the Philippines 1 1 1 1 2 2 2 2 Payment Orders Payable 16 36 27 46 31 37 24 89 Due to Bangko Sentral ng Pilipinas 0 0 0 0 1 0 0 0 Due to Philippine Deposit Insurance Corporation 3 3 3 3 2 4 2 4 Income Tax Payable 3 4 4 5 7 4 7 5 Other Taxes and Licenses Payable 0 0 0 1 1 1 1 1 Accrued Expenses 3 2 3 2 1 1 1 1 Unearned Income 6 5 7 7 6 6 6 6 Deferred Tax Liabilities 0 0 0 0 0 0 0 0 Other Liabilities 117 182 203 209 272 246 185 296 Due to Head Office/Branches/Agencies - Net * 830 829 810 891 896 907 1,011 701 Due to FCDU/RBU - Net ** 161 255 60 303 384 208 206 305
Capital Accounts 645 676 695 569 362 691 1,028 1,129
Other Equity Instruments 123 0 0 0 0 0 0 0 Retained Earnings 112 110 112 130 75 66 69 148 Undivided Profits 483 674 579 592 244 483 763 813 Other Comprehensive Income -74 -108 4 -153 43 143 197 168
* / 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: Department of Supervisory Analytics, Financial Supervision Sector
II.93 Table 7.a PHILIPPINE FOREIGN CURRENCY DEPOSIT SYSTEM BALANCE SHEET Universal and Commercial Banks 2015 - 2019 In Million US$
2019 BALANCE SHEET ACCOUNTS 2015 2016 2017 2018 3.31 6.30 9.30 12.31
ASSETS 40,603 42,787 46,883 49,044 52,413 54,580 55,700 55,868
Cash on Hand 267 254 299 329 497 496 369 416 Checks and Other Cash Items 25 18 21 24 26 37 30 24 Due from Bangko Sentral ng Pilipinas 0 0 0 20 25 22 22 22 Due from Other Banks 5,098 4,575 6,327 6,273 3,414 4,089 3,413 4,666 Financial Assets Held for Trading (HFT) 3,160 1,912 1,434 1,314 1,591 985 1,462 996 Financial Assets Designated at Fair Value through Profit or Loss 27 6 1 1 4 11 13 5 Available-for-Sale (AFS) Financial Assets - Net 8,950 9,939 7,246 7,186 8,472 8,802 9,781 9,376 Held-to-Maturity (HTM) Financial Assets - Net 5,188 9,072 11,686 12,497 16,936 16,359 16,699 17,197 Unquoted Debt Securities Classified as Loans - Net 648 500 976 607 0 0 0 0 Loan Portfolio - Net 16,417 15,798 18,252 19,896 20,480 22,543 22,892 22,069 Derivatives with Positive Fair Value Held for Hedging 0 0 0 0 0 0 0 0 Accrued Interest Income from Financial Assets - Net 305 351 339 366 363 442 346 453 Real and Other Properties Acquired - Net 0 0 0 3 3 3 3 3 Non-Current Assets Held for Sale 0 0 0 0 0 0 0 26 Deferred Tax Asset 0 0 0 0 0 0 0 0 Other Assets - Net 518 363 300 529 600 790 669 615
LIABILITIES AND CAPITAL 40,603 42,787 46,883 49,044 52,413 54,580 55,700 55,868
Liabilities 39,490 42,149 46,221 48,363 52,068 53,913 54,704 54,774
Financial Liabilities Held for Trading 227 131 132 121 111 104 97 84 Financial Liabilities Designated at Fair Value through Profit or Loss 0 0 0 0 0 0 0 0 Deposit Liabilities 30,780 31,288 34,714 37,999 38,842 40,203 40,137 40,117 Due to Other Banks 819 727 688 529 392 351 476 323 Bills Payable 4,673 6,760 7,248 6,344 7,023 6,785 6,791 7,090 Bonds Payable - Net 1,423 2,034 2,035 2,160 3,926 4,822 5,520 5,522 Unsecured Subordinated Debt - Net 0 0 0 0 0 0 0 0 Derivatives with Negative Fair Value Held for Hedging 1 1 0 0 62 106 122 103 Accrued Interest Expense on Financial Liabilities 92 92 105 110 128 139 129 137 Due to Treasurer of the Philippines 1 1 1 1 2 2 2 2 Payment Orders Payable 20 16 35 27 30 37 24 87 Due to Bangko Sentral ng Pilipinas 0 0 0 0 1 0 0 0 Due to Philippine Deposit Insurance Corporation 3 3 3 3 2 4 2 4 Income Tax Payable 2 3 4 4 7 4 7 5 Other Taxes and Licenses Payable 0 0 0 0 1 1 1 1 Accrued Expenses 3 2 1 2 1 1 1 1 Unearned Income 10 6 5 7 6 6 6 6 Deferred Tax Liabilities 0 0 0 0 0 0 0 0 Other Liabilities 327 108 178 197 265 241 178 287 Due to Head Office/Branches/Agencies - Net * 1,164 830 829 810 896 907 1,011 701 Due to FCDU/RBU - Net ** -54 148 243 48 373 201 200 305
Capital Accounts 1,113 638 662 681 345 667 996 1,094
Other Equity Instruments 351 123 0 0 0 0 0 0 Retained Earnings 77 109 105 109 63 56 59 139 Undivided Profits 605 475 649 561 238 472 747 791 Other Comprehensive Income 79 -68 -93 11 43 139 190 164
* / 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: Department of Supervisory Analytics, Financial Supervision Sector
II.94 Table 7.b PHILIPPINE FOREIGN CURRENCY DEPOSIT SYSTEM BALANCE SHEET Thrift Banks 2015 - 2019 In Million US$
2019 BALANCE SHEET ACCOUNTS 2015 2016 2017 2018 3.31 6.30 9.30 12.31
ASSETS 1,062 1,287 1,315 1,267 1,179 1,190 1,045 1,019
Cash on Hand 11 11 14 12 18 12 8 9 Checks and Other Cash Items 1 1 1 1 1 1 1 1 Due from Bangko Sentral ng Pilipinas 0 0 0 0 0 0 0 0 Due from Other Banks 424 367 267 291 165 214 215 204 Financial Assets Held for Trading (HFT) 22 113 107 4 40 19 26 64 Financial Assets Designated at Fair Value through Profit or Loss 2 0 0 0 0 0 0 0 Available-for-Sale (AFS) Financial Assets - Net 280 334 310 355 257 249 217 183 Held-to-Maturity (HTM) Financial Assets - Net 192 385 524 538 614 602 496 467 Unquoted Debt Securities Classified as Loans - Net 0 0 0 0 0 0 0 0 Loan Portfolio - Net 113 54 60 50 74 71 71 71 Derivatives with Positive Fair Value Held for Hedging 0 0 0 0 0 0 0 0 Accrued Interest Income from Financial Assets - Net 10 13 15 15 9 14 6 11 Real and Other Properties Acquired - Net 0 0 0 0 0 0 0 0 Non-Current Assets Held for Sale 0 0 0 0 0 0 0 0 Deferred Tax Asset 0 0 0 0 0 0 0 0 Other Assets - Net 6 9 17 1 2 8 5 8
LIABILITIES AND CAPITAL 1,062 1,287 1,315 1,267 1,179 1,190 1,045 1,019
Liabilities 1,056 1,281 1,301 1,253 1,163 1,166 1,013 984
Financial Liabilities Held for Trading 0 0 0 0 0 0 0 0 Financial Liabilities Designated at Fair Value through Profit or Loss 0 0 0 0 0 0 0 0 Deposit Liabilities 1,009 1,156 1,155 1,203 1,141 1,145 999 971 Due to Other Banks 0 0 0 0 0 0 0 0 Bills Payable 18 100 128 30 1 6 0 0 Bonds Payable - Net 0 0 0 0 0 0 0 0 Unsecured Subordinated Debt - Net 0 0 0 0 0 0 0 0 Derivatives with Negative Fair Value Held for Hedging 0 0 0 0 0 0 0 0 Accrued Interest Expense on Financial Liabilities 1 2 2 2 2 2 2 2 Due to Treasurer of the Philippines 0 0 0 0 0 0 0 0 Payment Orders Payable 0 0 0 0 0 0 0 3 Due to Bangko Sentral ng Pilipinas 0 0 0 0 0 0 0 0 Due to Philippine Deposit Insurance Corporation 0 0 0 0 0 0 0 0 Income Tax Payable 0 0 0 0 0 0 0 0 Other Taxes and Licenses Payable 0 0 0 0 0 0 0 0 Accrued Expenses 1 1 1 1 0 0 0 0 Unearned Income 0 0 0 0 0 0 0 0 Deferred Tax Liabilities 0 0 0 0 0 0 0 0 Other Liabilities 10 9 3 6 8 6 7 9 Due to Head Office/Branches/Agencies - Net * 0 0 0 0 0 0 0 0 Due to FCDU/RBU - Net ** 16 13 12 12 11 7 5 0
Capital Accounts 6 6 14 13 16 24 32 34
Other Equity Instruments 0 0 0 0 0 0 0 0 Retained Earnings 2 3 5 3 11 9 9 9 Undivided Profits 7 8 25 18 5 11 16 22 Other Comprehensive Income -3 -5 -15 -7 0 4 7 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: Department of Supervisory Analytics, Financial Supervision Sector
II.95 Table 8 TRUST AND FUND MANAGEMENT OPERATIONS Philippine Banking System 2017 - 2019 In Million Pesos
2019 Accounts 2017 2018 3.31 6.30 9.30 12.31 TOTAL ASSETS 2,541,904 2,562,318 2,656,770 2,703,254 2,870,977 2,917,070 Cash and Due from Banks 1,993 1,269 737 670 449 377 Cash on Hand, Checks and Other Cash Items 0 3 2 0 27 10 Due from BSP 1,993 1,267 735 670 422 367 Deposits in Banks 789,469 834,954 782,834 797,954 849,807 853,660 Financial Assets, gross (net of amortization) 1,246,963 1,428,872 1,538,791 1,570,532 1,659,485 1,704,826 Accumulated Market Gains/Losses 26,045 -21,241 24 7,817 12,713 13,031 Allowance for Credit Losses 730 1,780 398 461 496 656 Financial Assets, net 1,272,277 1,405,851 1,538,417 1,577,889 1,671,702 1,717,201 Loans, gross 43,429 41,809 42,130 46,804 58,698 64,508 Allowance for probable losses 1,527 1,373 1,761 1,797 1,882 1,913 Loans, net 41,903 40,437 40,369 45,007 56,816 62,594 Equity Investments, gross 78,622 3,207 3,207 3,143 5,784 5,749 Allowance for probable losses 2,391 2,464 2,464 2,462 2,547 2,528 Accumulated Market Gain/(Loss) 0 0 0 0 0 0 Equity Investments, net 76,230 743 743 681 3,236 3,221 Real and Other Properties Acquired, net 76 89 88 87 86 83 Other assets 359,956 279,315 293,582 280,964 288,881 279,933 TOTAL ACCOUNTABILITIES 2,541,904 2,562,318 2,656,770 2,703,254 2,870,977 2,917,070 Trust 1,176,488 971,795 985,371 990,591 1,161,284 1,182,430 UITF 576,987 413,460 396,088 398,051 562,682 564,959 Employee Benefit 250,965 258,650 272,618 277,409 282,423 291,100 Pre-Need 78,370 78,129 81,669 76,758 78,010 79,733 Others-Institutional Accounts 34,826 28,926 35,435 36,087 35,488 35,676 Personal Trust 220,395 171,843 176,555 177,921 178,913 186,815 Personal Pension Fund 0 0 0 0 0 0 Personal Retirement Fund 105 101 100 103 105 104 Others-Individual Accounts 14,841 20,685 22,905 24,262 23,662 24,043 Agency 841,237 1,143,400 1,221,827 1,267,327 1,243,138 1,282,913 Employee Benefit 32,161 31,090 31,911 33,888 34,224 34,999 Pre-Need 789 772 866 883 826 819 Others-Institutional Agency Accounts 410,949 464,648 478,983 495,322 508,500 524,793 Personal Pension Fund 0 0 0 0 0 0 Personal Retirement Fund 2 1 1 1 1 1 Others-Individual Agency Accounts 397,336 646,889 710,067 737,233 699,587 722,300 Other Fiduciary Services 523,681 446,643 449,098 444,865 466,086 450,993 UITF 0 0 0 0 0 0 Others 523,681 446,643 449,098 444,865 466,086 450,993 Advisory/Consultancy 0 0 0 0 0 0 Special Purpose Trust 498 480 474 471 468 734
Details may not add up to totals due to rounding-off Source: Department of Supervisory Analytics, Financial Supervision Sector
II. 96 Table 8 TRUST AND FUND MANAGEMENT OPERATIONS Universal and Commercial Banks 2017 - 2019 In Million Pesos
2019 Accounts 2017 2018 3.31 6.30 9.30 12.31 TOTAL ASSETS 2,496,457 2,514,688 2,607,955 2,653,326 2,848,163 2,894,295 Cash and Due from Banks 1,993 1,267 735 670 422 371 Cash on Hand, Checks and Other Cash Items 0 0 0 0 0 4 Due from BSP 1,993 1,267 735 670 422 367 Deposits in Banks 780,357 825,659 774,023 788,587 845,225 848,358 Financial Assets, gross (net of amortization) 1,216,315 1,394,102 1,503,202 1,534,090 1,648,462 1,694,086 Accumulated Market Gains/Losses 25,548 -20,781 321 8,037 12,770 12,975 Allowance for Credit Losses 730 1,762 397 459 496 656 Financial Assets, net 1,241,134 1,371,558 1,503,127 1,541,668 1,660,737 1,706,405 Loans, gross 38,807 38,492 38,129 42,686 54,533 60,898 Allowance for probable losses 1,409 1,194 1,575 1,609 1,840 1,871 Loans, net 37,399 37,298 36,555 41,077 52,692 59,027 Equity Investments, gross 78,548 3,133 3,133 3,143 3,226 3,191 Allowance for probable losses 2,391 2,464 2,464 2,462 2,547 2,528 Accumulated Market Gain/(Loss) 0 0 0 0 0 0 Equity Investments, net 76,157 669 669 681 678 663 Real and Other Properties Acquired, net 76 89 88 87 86 83 Other assets 359,341 278,488 292,758 280,556 288,322 279,388 TOTAL ACCOUNTABILITIES 2,496,457 2,514,688 2,607,955 2,653,326 2,848,163 2,894,295 Trust 1,166,814 962,578 976,306 982,631 1,155,188 1,176,099 UITF 572,213 409,821 392,764 394,823 561,451 563,727 Employee Benefit 247,814 254,985 268,784 273,680 278,976 287,376 Pre-Need 77,619 77,252 80,786 76,758 77,140 78,903 Others-Institutional Accounts 34,826 28,926 35,435 36,087 35,488 35,676 Personal Trust 219,396 170,807 175,530 176,919 178,366 186,271 Personal Pension Fund 0 0 0 0 0 0 Personal Retirement Fund 105 101 100 103 105 104 Others-Individual Accounts 14,841 20,685 22,905 24,262 23,662 24,043 Agency 805,890 1,105,314 1,182,921 1,226,189 1,227,246 1,267,297 Employee Benefit 32,095 31,090 31,911 33,888 34,224 34,999 Pre-Need 789 772 866 883 826 819 Others-Institutional Agency Accounts 403,965 457,267 471,675 487,107 502,225 518,611 Personal Pension Fund 0 0 0 0 0 0 Personal Retirement Fund 2 1 1 1 1 1 Others-Individual Agency Accounts 369,039 616,184 678,467 704,310 689,970 712,867 Other Fiduciary Services 523,254 446,315 448,255 444,035 465,260 450,164 UITF 0 0 0 0 0 0 Others 523,254 446,315 448,255 444,035 465,260 450,164 Advisory/Consultancy 0 0 0 0 0 0 Special Purpose Trust 498 480 474 471 468 734
Details may not add up to totals due to rounding-off Source: Department of Supervisory Analytics, Financial Supervision Sector
II.97 Table 8 TRUST AND FUND MANAGEMENT OPERATIONS Thrift Banks 2017 - 2019 In Million Pesos
2019 Accounts 2017 2018 3.31 6.30 9.30 12.31 TOTAL ASSETS 45,448 47,630 48,815 49,928 22,814 22,775 Cash and Due from Banks 0 3 2 0 27 6 Cash on Hand, Checks and Other Cash Items 0 3 2 0 27 6 Due from BSP 0 0 0 0 0 0 Deposits in Banks 9,112 9,295 8,811 9,368 4,582 5,302 Financial Assets, gross (net of amortization) 30,647 34,770 35,589 36,442 11,023 10,740 Accumulated Market Gains/Losses 496 -460 -297 -220 -58 56 Allowance for Credit Losses 0 18 2 2 0 0 Financial Assets, net 31,143 34,293 35,290 36,221 10,965 10,797 Loans, gross 4,622 3,318 4,001 4,118 4,165 3,610 Allowance for probable losses 118 179 187 188 41 43 Loans, net 4,504 3,139 3,814 3,930 4,124 3,567 Equity Investments, gross 74 74 74 0 2,558 2,558 Allowance for probable losses 0 0 0 0 0 0 Accumulated Market Gain/(Loss) 0 0 0 0 0 0 Equity Investments, net 74 74 74 0 2,558 2,558 Real and Other Properties Acquired, net 0 0 0 0 0 0 Other assets 614 827 824 409 559 545 TOTAL ACCOUNTABILITIES 45,448 47,630 48,815 49,928 22,814 22,775 Trust 9,674 9,217 9,065 7,960 6,096 6,330 UITF 4,774 3,638 3,324 3,228 1,231 1,232 Employee Benefit 3,151 3,666 3,834 3,729 3,448 3,724 Pre-Need 751 877 883 0 871 831 Others-Institutional Accounts 0 0 0 0 0 0 Personal Trust 998 1,036 1,024 1,002 547 544 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 35,347 38,086 38,907 41,138 15,892 15,616 Employee Benefit 66 0 0 0 0 0 Pre-Need 0 0 0 0 0 0 Others-Institutional Agency Accounts 6,983 7,381 7,307 8,215 6,275 6,182 Personal Pension Fund 0 0 0 0 0 0 Personal Retirement Fund 0 0 0 0 0 0 Others-Individual Agency Accounts 28,297 30,704 31,600 32,923 9,617 9,433 Other Fiduciary Services 427 328 843 830 826 828 UITF 0 0 0 0 0 0 Others 427 328 843 830 826 828 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: Department of Supervisory Analytics, Financial Supervision Sector
II. 98
Part III
Directory of the Philippine Banking System
Table 1 DIRECTORY OF HEAD OFFICES OF THE PHILIPPINE BANKING SYSTEM As of December 31, 2019 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 Makati Stock Exchange Building, Ayala Avenue, Makati City 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 0727 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. 14th Floor Solaris One Building, 130 Dela Rosa Street, Legaspi Village, 1229 Makati City 19th Floor Net Quad Center, 31st Street corner 4th Avenue, E-square Zone, Crescent Park 2 . Deutsche Bank AG West, Bonifacio Global City, 1634 Taguig City 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 1200 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 . Chang Hwa Commercial Bank, Ltd. - Manila Branch 43rd Floor, Philamlife Tower, 8767 Paseo De Roxas 1226 Makati City, Metro Manila
6 . CIMB Bank Philippines Inc. 28th Floor, Ore Central Tower, 9th Avenue Corner 31st Street, Bonifacio Global City, Taguig City 7 . Citibank, N.A. 16/F Citibank Plaza, Bonifacio Global City, 34th Street corner Lane S, Taguig City 1634
8 . First Commercial Bank, Ltd., Manila Branch 20th Floor, Tower 6789 Ayala Avenue, Makati City 1223
9 . Hua Nan Commercial Bank, Ltd. - Manila Branch Unit 2 and 3, 26th Floor, Tower 6789, 6789 Ayala Avenue, 1223 Makati City 10 . Industrial and Commercial Bank of China Limited - Manila 24th Floor, The Curve Building, 32nd Street, Bonifacio Global City, 1634 Taguig City, Metro Branch Manila 11 . Industrial Bank of Korea Manila Branch 8th Floor, Unit 801-802 One World Place Building, 32nd Street, Bonifacio Global City, Taguig City Philippines 1630 12 . JP Morgan Chase Bank, N.A. 30/F Zuellig Building, Makati Avenue corner Paseo de Roxas, Makati City 1225
13 . KEB Hana Bank - Manila Branch 21st Floor, Zuellig Building, Makati Avenue corner Paseo de Roxas Street, Makati City
14 . Mega International Commercial Bank Co., Ltd. 3/F Pacific Star Bldg., Sen. Gil Puyat Ave., Makati City
15 . MUFG Bank, Ltd. 15 / F Makati Sky Plaza Building 6788 Ayala Avenue, Makati City 1226 16 . Shinhan Bank - Manila Branch 21st Floor, Units 1 and 2 RCBC Savings Bank Corporate Center, 25th and 26th Streets, Bonifacio Global City, Taguig City 17 . Sumitomo Mitsui Banking Corporation - Manila Branch 21st Floor, Tower One & Exchange Plaza, Ayala Triangle, Ayala Avenue, Makati City
18 . United Overseas Bank Limited, Manila Branch 17TH Floor, Pacific Star Building, Sen. Gil Puyat Avenue Cor. Makati Avenue, Makati City 1200
Source: Department of Supervisory Analytics, 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 . AllBank (A Thrift Bank), Inc. Polar Center EDSA, EDSA Cor. Cornell St., Brgy. Wack Wack, Mandaluyong City 3 . Bangko Kabayan, Inc. (A Private Development Bank) Santiago St., Poblacion, Ibaan, Batangas 4 . Bank of Makati (A Savings Bank), Inc. Ayala Avenue corner Metropolitan Avenue, Makati City 5 . Bank One Savings and Trust Corporation 4201 R. Magsaysay Blvd., Sta. Mesa, Manila 1016 6 . Bataan Development Bank Aguirre St., Balanga. 2100 Bataan 7 . BPI Direct BanKO, Inc., A Savings Bank 220 Ortigas Avenue, BanKO center North Greenhills, San Juan City 1503 8 . BPI Family Savings Bank, Inc. 109 BPI Family Savings Bank Centre, Paseo de Roxas cor. dela Rosa Streets Makati City 1200 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. CBS Building, 314 Sen. Gil Puyat, 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. Unit 1 The Commercial Complex, Madrigal Avenue, Ayala Alabang Village, 1770 Muntinlupa 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 LDB Corporate Center, National Highway, Paciano Rizal, Calamba City, Laguna 28 . Makiling Development Bank Corporation Gate 1, YTMI Realty SEZ, Brgy. Makiling, Calamba City, 4027 Laguna 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 . Metro-Cebu Public Savings Bank 2/F Sia Bldg., N. Bacalso Avenue, Barangay Duljo Fatima, Cebu City 6000 32 . Northpoint Development Bank, Inc. 3rd Floor & 4th Floor S.P. Junction Bldg., National Highway Corner A. Mabini St. Brgy. Nueva, San Pedro City, Laguna 33 . Overseas Pilipino Bank Inc. (A Savings Bank of Land Bank) Postbank Center, Liwasang Bonifacio, 1000 Manila 34 . Pacific Ace Savings Bank, Inc. Retail I Time Square Complex, Subic Bay Freeport Zone, Olongapo City 35 . Pampanga Development Bank McArthur Highway, Dolores, San Fernando City, 2000 Pampanga 36 . Penbank, Inc. (A Private Development Bank) 3/F Penbank Centre, RDRDC Building, Santiago Blvd., Gen. Santos City South Cotabato 9500 37 . Phil Star Development Bank, Inc. Alpha Hotel, Tolentino Road, Kumintang Ibaba, Batangas City 38 . Philippine Business Bank, Inc., A Savings Bank 350 Rizal Ave. Ext. cor. 8th Ave., Grace Park, 1403 Caloocan City 39 . Philippine Savings Bank PSBank Center, 777 Paseo de Roxas cor. Sedeno St., Makati City 40 . PNB Savings Bank 11/F Allied Bank Center, 6754 Ayala Ave., Makati City 41 . Producers Savings Bank Corporation 17F AIC Burgundy Empire Tower, ADB Avenue corner Sapphire Street Ortigas Center, 1605 Pasig City 42 . Queen City Development Bank, Inc. or Queenbank, A Thrift Bank Queenbank Financial Center, Sky City Tower, Mapa St., Iloilo City 5000 43 . Quezon Coconut Bank, Inc. (A Thrift Bank) Cor. Gov. Guinto & Enriquez Sts., Brgy. IX, Lucena City 4301, Quezon 44 . Rizal Microbank, Inc. - A Thrift Bank of RCBC AndaRizal Center, Rizal Corner Anda Street, Barangay 3-A, Davao City 45 . Sterling Bank of Asia, Inc. (A Savings Bank) Sterling Bank Corporate Center, Greenhills, San Juan City 46 . Sun Savings Bank, Inc. Ground Floor, Jesever Building, Fuente Osmeña Circle, Osmeña Boulevard, Cebu City
47 . UCPB Savings Bank 18/F UCPB Bldg., Makati Avenue, Makati City 0728 48 . University Savings Bank, Inc. 3rd Floor Corporate Building, UPHSL Compound, Sto. Niño, Biñan, Laguna
49 . Wealth Development Bank Corporation Taft Financial Center, Cardinal Rosales Ave., Cebu Business Park, Cebu City 6000
50 . Yuanta Savings Bank Philippines, Inc. G/F Chatham House Condominium, 116 Valero cor. V.A. Rufino Sts. , Salcedo Village 1227 Makati City
Source: Departmenrt of Supervisory Analytics, Financial Supervision Sector
III. 2 1.c Rural and Cooperative Banks
Name of Bank Address
NATIONAL CAPITAL REGION
1 . Baclaran Rural Bank, Inc. 83 Redemptorist Rd., Baclaran, Parañaque City 2 . Banco Alabang, Inc. (A Rural Bank) Ground Floor, Minerva Building, National Road, Putatan, Muntinlupa 3 . Bangko ng Kabuhayan, (A Rural Bank) Inc. Unit A, GF, Rayle Bldg. 52 Dr. Sixto Antonio, Kapasigan, Pasig City 1600 4 . Bangko Pasig (Rural Bank) Unit 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 . Metro South Cooperative Bank IDC Centre, Zapote Street Corner Kalayaan Ave., Brgy. Sta. Cruz, 1205 Makati City 8 . Mvsm Bank (A Rural Bank Since 1953) Inc. 341 J. P. Rizal St., Sto. Niño, 1800 Marikina City 9 . Network Consolidated Cooperative Bank 160 Katipunan Avenue, St. Ignatius Village, 1110 Quezon City 10 . Rural Bank of Caloocan, Inc. 55 A. Mabini corner Damayan Streets, Maypajo, Caloocan City 1410 11 . Rural Bank of San Pascual (Obando, Bulacan), Inc. 345 M.H. del Pilar cor. Navarette St. Brgy. Arkong Bato,Valenzuela City 12 . Second Rural Bank of Valenzuela (Metro Manila), Inc. 45 M.H. del Pilar Road, Poblacion 1, Valenzuela City 13 . Smart Bank (A Rural Bank), Inc. G/F Westgate Tower, 1708 Investment Drive, Madrigal Business Center, Alabang, Muntinlupa City 1780 14 . TRBank Inc. (A Rural Bank) 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. Ground Floor BVP Building, Zamora Street, Bannuar, San Juan, Ilocos Sur 8 . Vigan Banco Rural, Incorporada 115 Salcedo St., Vigan, Ilocos Sur 2700
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: Department of Supervisory Analytics, 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
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: Department of Supervisory Analytics, 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 . Bangko Montanosa Inc. (A Rural Bank) Provincial Road, Barangay Bulanao, Tabuk City, 3800 Kalinga
2 . Rural Bank of Rizal (Kalinga-Apayao), Inc. Rizal, 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 2616
3 . Rural Bank of Sagada (Mountain Province), Inc. 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) La Patria Building, National Highway, 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. National Highway, San Manuel, Isabela 11 . Rural Bank of San Mateo (Isabela), Inc. Poblacion, San Mateo, Isabela 12 . United Consumers Rural Bank, Inc. Public Market Bldg., National Highway, Barangay Sta. Rosa 3316 Aurora, Isabela
Source: Department of Supervisory Analytics, 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 . Baliuag Rural Bank, Inc. Benigno S. Aquino Avenue, Poblacion, Baliuag, 3006 Bulacan
2 . Emerald Rural Bank, Inc. Barangay Sta. Cruz I, San Jose Del Monte City, Bulacan 3024
3 . Gateway Rural Bank, Inc. McArthur Highway, Wawa, Balagtas, 3016 Bulacan
Source: Department of Supervisory Analytics, Financial Supervision Sector
III. 6 1.c Rural and Cooperative Banks
Name of Bank Address
4 . Liberty Bank (A Rural Bank), Inc. McArthur Highway corner Contreras St., Calvario, Meycauayan, 3020 Bulacan 5 . Meycauayan Second Rural Bank, Inc. Mac Arthur Highway, Calvario, Meycauayan, 3020 Bulacan 6 . Rural Bank of Angat (Bulacan), Inc. M.A. Fernando St., San Roque, Angat, Bulacan 7 . Rural Bank of Doña Remedios Trinidad (Bulacan), Inc. 9001 Luciano St., Pulong Sampaloc, Doña Remedios Trinidad, Bulacan 3009 8 . Rural Bank of Malolos, Inc. Pariancillo St., Sto. Niño, City of Malolos, Bulacan 3000 9 . Rural Bank of San Rafael (Bulacan), Inc. Cruz na Daan, San Rafael, Bulacan 10 . Silahis Bank, Inc. (A Rural Bank) 452 Mc. Arthur Highway, Balagtas, 3016 Bulacan 11 . 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 Talugtug (N. E.), Inc. Poblacion, Talugtug 3118 Nueva Ecija 14 . Towncall Rural Bank, Inc. G/F Towncall, Maharlika Highway, Dicarma, Cabanatuan City
Pampanga
1 . Banco Mexico Inc (A Rural Bank) GSO National Road, Parian, Mexico, Pampanga 2 . Bangko Nuestra Senora Del Pilar, Inc. (A Rural Bank) 678 McArthur H-way, San Simon, Pampanga 3 . BOF, Inc. (A Rural Bank) McArthur Highway, Dolores, City of San Fernando, 2000 Pampanga 4 . Crown Bank, Inc. (A Rural Bank) Mac Arthur Highway, San Vicente, Apalit, 2016 Pampanga 5 . Guagua Rural Bank, Inc. Plaza Burgos, Guagua, 2003 Pampanga 6 . Guagua Savers Bank (A Rural Bank), Inc. 503 Clemente Puno St., Sto. Cristo, Guagua, 2003 Pampanga
7 . Masantol Rural Bank, Inc. Masantol, Pampanga 8 . Rural Bank of Angeles, Inc. 1229 Sto. Entierro St., Angeles City, Pampanga 9 . Rural Bank of Apalit, Inc. RBA Bldg., Along Mac Arthur Highway, Brgy. San Vicente, Apalit, Pampanga 2016 10 . Rural Bank of Mabalacat, Inc. 107 Mac-Arthur Highway, Dau, Mabalacat, 2010 Pampanga
Source: Department of Supervisory Analytics, Financial Supervision Sector
III. 7 1.c Rural and Cooperative Banks
Name of Bank Address
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, Gerona, Tarlac 2 . Camiling Rural Bank, Inc. Camiling 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 . Batangas Rural Bank for Coop., Inc. Pastor Ave., New Public Market, Cuta, Batangas City 2 . Bolbok Rural Bank, Inc. Mojica Street, Poblacion, San Juan, Batangas 3 . Caritas Banco Ng Masa, Inc. (A Microfinance Oriented Easy Mart Compound, Calatagan, Batangas Rural Bank) 4 . Classic Rural Bank, Inc. Evangelista St., Batangas City 5 . FBC First Bank of Calaca, Inc. 137 Marasigan St., Poblacion 3, Calaca, 4212 Batangas 6 . Limcoma Rural Bank, Inc. Makalintal Avenue, Poblacion 2, San Jose, Batangas 4227 7 . Lipa Bank, Inc. (A Rural Bank) 65 T.M. Kalaw St., Lipa City, Batangas 4217
Source: Department of Supervisory Analytics, Financial Supervision Sector
III. 8 1.c Rural and Cooperative Banks
Name of Bank Address
8 . Malarayat Rural Bank, Inc. G.A. Solis St., Brgy. 11, Lipa City, 4217 Batangas 9 . Mt. Carmel Rural Bank, Inc. J. M. Kalaw St., Lipa City, Batangas 10 . New Rural Bank of Agoncillo, Inc. Alcantara St., Poblacion, Agoncillo, Batangas 11 . Progressive Rural Bank, Inc. Luta Del Norte, Malvar, 4233 Batangas 12 . Rural Bank of Alitagtag, Inc. Poblacion, Alitagtag, Batangas 13 . Rural Bank of Cuenca, Inc. Marasigan St., Barangay 2, Cuenca, Batangas 14 . Rural Bank of Lemery, Inc. Ilustre Avenue, Lemery, Batangas 15 . Rural Bank of Lipa City (Batangas), Inc. 113 J.P. Rizal St., Lipa City, Batangas 16 . Rural Bank of Padre Garcia, Inc. A. Mabini St., Poblacion, Padre Garcia, Batangas 17 . Rural Bank of San Luis (Batangas), Inc. R. Diokno St., Poblacion, San Luis, Batangas 4210 18 . Rural Bank of Taal, Inc. F. Agoncillo St., Taal, 4208 Batangas 19 . Rural Bank of Talisay (Batangas), Inc. 40 Gen. A. Laurel St., Poblacion 6, Talisay, Batangas 4220 20 . Summit Rural Bank of Lipa City, Inc. 50 B Morada Ave., Lipa City, Batangas 21 . Sunrise Rural Bank (Rosario, Batangas), Inc. Y. Zuño St., Rosario, Batangas 22 . Utility Bank, Inc. (A Rural Bank) 30 J. P. Rizal St, Poblacion I, Bauan, 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 4124 7 . Imus Rural Bank, Inc. Cor. 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 . Card MRI Rizal Bank Inc A Microfinance-Oriented Rural Aguirre St. Corner Pedro Guevarra Avenue, Sta. Cruz, Laguna Bank 4009 6 . De La O Rural Bank, Inc. 010 San Jose St., Barangay San Jose, Pangil, 4018 Laguna 7 . Entrepreneur Rural Bank, Inc. 63 A. Mabini St., Barangay Poblacion, San Pedro, 4023 Laguna
8 . First United Farmers Rural Bank, Inc. Brgy. Callos, Sta. Cruz, Laguna
Source: Department of Supervisory Analytics, Financial Supervision Sector
III. 9 1.c Rural and Cooperative Banks
Name of Bank Address
9 . Laguna Prestige Banking Corporation, (A Rural Bank) J.P. Rizal St. corner F. Limcaoco St., Barangay Uno, Cabuyao, 4026 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 . Rural Bank of Bay, Inc. Rizal Avenue, San Nicolas, Bay, Laguna 14 . Rural Bank of Calauan, Inc. Rizal Ave., Calauan, Laguna 15 . Rural Bank of Cavinti (Laguna), Inc. Cavinti, Laguna 16 . Rural Bank of Luisiana (Laguna), Inc. Luisiana, Laguna 17 . Rural Bank of Lumban (Laguna), Inc. National Highway, Brgy. Lewin, Lumban, Laguna 18 . Rural Bank of Magdalena (Laguna), Inc. 10 E. Jacinto St., Poblacion, Magdalena, Laguna 19 . Rural Bank of Marilag (Sta. Maria, Laguna), Inc. 106 Real Velasquez St., Barangay IV, Sta. Maria, Laguna 20 . Rural Bank of Paete, Inc. Rizal cor. Quesada St., Paete, Laguna 21 . Rural Bank of Pangil (Laguna), Inc. Barangay Balian, Pangil, Laguna 22 . Rural Bank of Rizal (Laguna), Inc. Rizal Avenue, Brgy. West Poblacion, Rizal, Laguna 23 . Rural Bank of San Lorenzo Ruiz (Siniloan), Inc. P. Burgos, Siniloan, Laguna 24 . Rural Bank of Seven Lakes (San Pablo City), Inc. 102 M. Paulino St., San Pablo City, Laguna 25 . Rural Bank of Sta. Rosa (Laguna), Inc. F. Gomez St., Malusak, Sta. Rosa City, Laguna 26 . Turumba Rural Bank of Pakil, Inc. 36 Tavera Street, Pakil, Laguna 27 . 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 Sampaloc (Quezon), Inc. Quezon Avenue Corner Tumagay St., Sampaloc, Quezon 13 . United People's Rural Bank, Inc. Salazar Street, Candelaria, Quezon 14 . 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: Department of Supervisory Analytics, 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: Department of Supervisory Analytics, 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
Camarines Sur
1 . First Naga Rural Bank, Inc. Door 1 Ground Floor, DECA Corporate Center, Panganiban Drive, Brgy. Tinago, Naga City, 4400 Camarines Sur 2 . Municipal Rural Bank of Libmanan (Cam. Sur), Inc. Poblacion, Libmanan, Camarines Sur 4407 3 . Municipal Rural Bank of Nabua (Camarines Sur), Inc. San Francisco, Nabua, Camarines Sur 4434 4 . Rural Bank of San Jose (Camarines Sur), Inc. Mendoza St., San Antonio, San Jose, Camarines Sur 4423 5 . Rural Bank of Sipocot (Camarines Sur), Inc. San Juan Avenue, Sipocot, Camarines Sur 6 . Rural Bank of Tigaon Camarines Sur, Inc. Poblacion, Tigaon, Camarines Sur 7 . 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 3 . Rural Bank of Pilar (Sorsogon), Inc. RB Pilar Bldg., Milleza St., Brgy. Dao, Poblacion, Pilar, Sorsogon 4714
Source: Department of Supervisory Analytics, 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 . Bangko Kaisa Inc. (Formerly: Rural Bank of Bugason Bonifacio St., Pojo, Bugasong, Antique 5704 (Antique) Inc.) 2 . 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 . First Imperial Business Bank, Inc. (A Rural Bank) Tiu Quioco Building, Yulo Street, Iloilo City 5000 3 . Janiuay Rural Bank, Inc. Crispin Salazar St., Janiuay, Iloilo 5034 4 . LifeBank- A Rural Bank Bypass Road, Barangay Duyan-Duyan, Sta. Barbara, 5002 Iloilo
5 . Opportunity Kauswagan Bank, Inc. (A Microfinance Rural Unit 2, A & L Bldg., E. Lopez St., Jaro, Iloilo City, 5000 Bank) 6 . Progressive Bank, Inc. (Progressive A Rural Bank Inc) Del Rosario St., Balasan, Iloilo 5018 7 . Queen City Rural Bank, Inc. Cor. Hendriana-Sumakwel Sts., Brgy. Purok III, Pavia, Iloilo 8 . Racso's Bank, Inc. (A Rural Bank) Rizal-Tuguisan, Guimbal, Iloilo 5022 9 . Rural Bank of Alimodian (Iloilo), Inc. Almacen St., Alimodian, Iloilo 5028 10 . Rural Bank of Cabatuan (Iloilo), Inc. Corner Magallon-Rizal Ilawod Sts., Cabatuan, Iloilo 5031 11 . Rural Bank of Calinog (Iloilo), Inc. Aguinaldo St., Poblacion Ilaya, Calinog, Iloilo 12 . Rural Bank of Dumangas, Inc. Cor. Burgos-JM Basa Sts., Dumangas, Iloilo 13 . Rural Bank of Iloilo City, Inc. Luna St., La Paz, Iloilo City
Source: Department of Supervisory Analytics, Financial Supervision Sector
III. 13 1.c Rural and Cooperative Banks
Name of Bank Address
14 . Rural Bank of Leganes (Iloilo), Inc. Quintin Salas St., Poblacion, Leganes, Iloilo 15 . Rural Bank of Miagao (Iloilo), Inc. Noble St., Miagao, Iloilo 16 . Rural Bank of Pototan, Inc. T. Magbanua Street, Pototan Iloilo, 5008 17 . Rural Bank of San Miguel (Iloilo), Inc. R.V. Sanchez Street, San Miguel, Iloilo 18 . Rural Bank of Sta. Barbara (Iloilo), Inc. Roosevelt St., Sta. Barbara, Iloilo 19 . Rural Bank of Tigbauan (Iloilo), Inc. Tigbauan, Iloilo 20 . Rural Bank of Zarraga (Iloilo), Inc. Zamora St., Poblacion, Zarraga, Iloilo
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. Ground Floor Door 1, MFC Building, Lacson-Hernaez Sts., Brgy. 22, 6100 Bacolod City, 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 . Pioneer Bank (A Rural Bank) Inc. Jimili-an, 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: Department of Supervisory Analytics, 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 6000 12 . Philippine SME Bank, Inc., A Rural Bank 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 Pamplona (Negros Oriental), Inc. Poblacion, Pamplona, Negros Oriental 6205 6 . Rural Bank of Sta. Catalina, Negros Oriental, Inc. Barangay Caranoche, Sta. Catalina, Negros Oriental 7 . Rural Bank of Tanjay, Inc. Magallanes St., Barangay II, Tanjay, Negros Oriental 8 . SG BANK - A RURAL BANK INC. Real St., Dumaguete City 6200, Negros Oriental
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: Department of Supervisory Analytics, Financial Supervision Sector
III. 15 1.c Rural and Cooperative Banks
Name of Bank Address
Western Samar
1 . Rural Bank of Calbayog City, Inc. 82 T. Bugallon St., Calbayog City, Western Samar 6710 2 . 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 . Community Rural Bank of Dapitan City, Incorporated Andres Bonifacio St., Dapitan City 7101 Zamboanga del Norte
2 . Katipunan Bank Inc. A Rural Bank Quezon Avenue, cor. Aguilar St., Miputak, Dipolog City, 7100 Zamboanga del Norte 3 . PBCOM Rural Bank, Inc. 083 Rizal Ave. Cor. Calibo St., 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 City 2 . Rural Bank of Pagadian, Inc. Ballesteros 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: Department of Supervisory Analytics, 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
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 Medina (Misamis Oriental), Inc. Poblacion, Medina, Misamis Oriental 10 . Secured Bank, Inc. (A Rural Bank) Capt. Vicente Roa St., Cogon, Cagayan de Oro City 11 . South Bank (A Rural Bank), Incorporated Rodelsa Hall, R.N. Pelaez Blvd., Kauswagan, Cagayan de Oro City
REGION XI - DAVAO REGION
Davao De Oro
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: Department of Supervisory Analytics, Financial Supervision Sector
III. 17 1.c Rural and Cooperative Banks
Name of Bank Address
Davao del Sur
1 . BDO Network Bank, Inc. Km. 9 Sasa, Davao City 8000 2 . Consolidated Cooperative Bank CBDS Building, Ramon Magsaysay Street Barangay Zone 3, Digos City, Davao del Sur 3 . East West Rural Bank, Inc. 3rd and 4th floors, East West Bank Building, J. P. Laurel Avenue Corner Iñigo Street, Bajada, 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
Source: Department of Supervisory Analytics, Financial Supervision Sector
III. 18 1.c Rural and Cooperative Banks
Name of Bank Address
ARMM - AUTONOMOUS REGION OF MUSLIM MINDANAO
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
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: Department of Supervisory Analytics, Financial Supervision Sector
III. 19 Table 2 Overseas Offices of Universal and Commercial Banks As of December 31, 2019
Name of Bank Address Date Opened I. Branches (14)
Universal Banks
1 . BDO UNIBANK INC -HONGKONG 1 WELLINGTON ST.CENTRAL HONGKONG 05-31-2007 2 . BDO UNIBANK INC -SINGAPORE BRANCH 20 CECIL ST #02-06 PLUS SINGAPORE 01-31-2019 3 . METROPOLITAN BANK & TCO -TAIPEI TAIWAN 10690 REPUBLIC OF CHINA 09-30-1970 4 . METROPOLITAN BANK & TCO -NEW YORK 10 EAST 53RD ST NEW YORK NY 10022 11-20-1981 5 . METROPOLITAN BANK & TCO -SEOUL 120 5-KA NANDAEMUN-RO SEOUL KOREA 04-10-1997 6 . METROPOLITAN BANK & TCO -PUSAN 7F 193 JUNGANG-DAERO DONG-GU BUSAN 03-31-2004 7 . METROPOLITAN BANK & TCO -TOKYO 1-19-1 KANDA NISHIKI-CHO CHIYODA-KU 03-28-1996 8 . PHIL NATIONAL BANK -NEW YORK 561 SEVENTH AV 2F NEW YORK NY 10018 02-17-1917 9 . PHIL NATIONAL BANK -HONGKONG 109-111 GLOUCESTER WANCHAI HONGKONG 12-02-1963 10 . PHIL NATIONAL BANK -SINGAPORE 304 ORCHARD RD LUCKY PLZA SINGAPORE 04-19-1968 11 . PHIL NATIONAL BANK -LOS ANGLES GF EQUITABLE PLAZA LOS ANGELES CALI 04-16-1982 12 . PHIL NATIONAL BANK -JAPAN MITA43MT MITA MINATO-KU TOKYO JAPAN 06-30-1996 13 . PHIL NATIONAL BANK -GUAM 1088 W MARINE CORPS DR DEDEDO GUAM 02-09-2013 14 . PHIL NATIONAL BANK -BAHRAIN BAHRAIN TOWER MANAWA ST OF BAHRAIN 02-09-2013
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 . BDO UNIBANK INC -ISRAEL 2 KAUFMAN ST TEL AVIV ISRAEL 09-24-2009 2 . BDO UNIBANK INC -TAIWAN 25 TUN HWA SOUTH RD SEC 1 TAIPEI 09-24-2009 3 . BDO UNIBANK INC -SINGAPORE U27-63 ONES RAFFLES PLACE SINGAPORE 07-04-2012 4 . BDO UNIBANK INC -DIFC REPRESENTATIVE OFFICE DIFC DUBAI UNITED ARAB EMERATES 03-31-2016 5 . BDO UNIBANK INC -KOREA REPRESENTATIVE OFFICE 23F SFC 84 1 GA CHUNG GU SEOUL SK 03-31-2016 6 . BDO UNIBANK INC -BEIJING REPRESENTATIVE OFFICE BEIJING CHINA 03-31-2016 7 . BANK OF THE PHIL ISLANDS-DUBAI AL MANKHOOL RD AL HUDAIBA DUBAI UAE 09-15-2011 8 . BANK OF THE PHIL ISLANDS-JAPAN 2-6 NISHISHINJUKU 7-CHOME TOKYO JAP 06-15-2014 9 . METROPOLITAN BANK & TCO -HONGKONG NEW WORLD TOWER 16-18 QUEENS RD HK 09-05-1973 10 . METROPOLITAN BANK & TCO -BEIJING BEIJING PROC 06-14-1994 11 . PHIL NATIONAL BANK -PARIS RO 165 AVE VICTOR HUGO 75016 PARIS 04-08-1992 12 . PHIL NATIONAL BANK -ROME PIAZZA INDEPENDENZA ROME ITALY 06-04-1992 13 . PHIL NATIONAL BANK -DUBAI RO R202 2F ZAABEEL ROAD DUBAI UAE 07-22-1995 14 . PHIL NATIONAL BANK -GERMANY HOHENSTAUFERALLEE 39 LEIMEN GERMANY 02-09-2013 15 . PHIL NATIONAL BANK - BAHRAIN BAHRAIN TOWER GOVT AVE MANAM BHRAIN 07-01-2019 16 . LAND BANK OF THE PHILS -TOKYO TOKYO JAPAN 10-12-1995
Source: Department of Supervisory Analytics, Financial Supervision Sector
III. 20 Table 2 Overseas Offices of Universal and Commercial Banks As of December 31, 2019
Name of Bank Address Date Opened
IV. Branch-Lite Unit (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: Department of Supervisory Analytics, Financial Supervision Sector
III. 21 Table 3 Offshore Banking Units As of December 31, 2019
Name of Offshore Banking Unit Address
1 . Taiwan Cooperative Bank 26th Floor, Citibank Tower, 8741 Paseo de Roxas, Makati City
Source: Department of Supervisory Analytics, Financial Supervision Sector
III. 22 Table 4 Banking Industry Associations As of December 31, 2019
Name of Industry Address
1 . BANKERS ASSOCIATION OF THE PHILIPPINES 19th FLOOR CITI TOWER, 8741PASEO DE ROXAS, 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 12th FLOOR UNIT 1218 CITYLAND 10 TOWER II H.V. DELA COSTA STREET CORNER VALERO STREET MAKATI CITY
Source: Department of Supervisory Analytics, Financial Supervision Sector
III. 23