The Philippine Banking System

Supervision and Examination Sector Supervisory Data Center

FFAACCTTBBOOOOKK The Philippine Banking System

TABLE OF CONTENTS (2014 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 (2005 – 2014) …………………………………………… II. 1 b. Number of Offices by Type and Location (as of 31 December 2014) ……………………………. II. 2 c. Number of Automated Teller Machines (2005 – 2014) ………………………………………………. II. 5 d. Changes in the Philippine Banking Network (for the year 2014) …………………………………… II. 6

2. Balance Sheet (2010 – 2014) 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 2014) Universal, Commercial and Thrift Banks ………………………...…………………………………………… .. II. 17 a. Universal and Commercial Banks ………………………………………………………………………… II. 19 b. Thrift Banks …………………………………………………………………………………………………….. II. 43

4. Income Statement (2010 – 2014) The Philippine Banking System ………………. ………………………………………………………………… II. 79 a. Universal and Commercial Banks ………………………………………………………………………... II. 80 i. Classified by Nature of Operations a. Universal Banks …………………………………………………………………………………... II. 81 b. Commercial Banks ……………………………………………………………………………… II. 82 ii. Classified by Ownership a. Private Domestic Banks ………………………………………………………………………... II. 83 b. Government Banks ……………………………………………………………………………... II. 84 c. Foreign Bank Branches ………………………………………………………………………… II. 85 d. Foreign Bank Subsidiaries ……………………………………………………………………… II. 86 b. Thrift Banks ……………………………………………………………………………………………………. II. 87 c. Rural and Cooperative Banks …………………………………………………………………………….. II. 88

5. Summary Report on Compliance with Agri-Agra Reform Credit (2009 – 2014) The Philippine Banking Sy stem ………………. ………………………………………………………………… II. 89 a. Universal and Commercial Banks ………………………………………………………………………... II. 90 b. Thrift Banks ……………………………………………………………………………………………………. II. 91 c. Rural and Cooperative Banks …………………………………………………………………………… .. II. 92

TABLE OF CONTENTS (2014 Fact Book – Vol. 1)

6. Summary Report on Compliance with Small and Medium Enterprise Credit (2010-2014) The Philippine Banking System ………………..………………………………………………………………… II. 93 a. Universal and Commercial Banks ... ……………………………………………………………………... II. 94 b. Thrift Banks ……………………………………………………………………………………………………. II. 95 c. Rural and Cooperative Banks ……………………………………………………………………………. II. 96

7. Philippine Foreign Currency Deposit System Balance Sheet (2010-2014) The Philippine Banking System ………………..………………………………………………………………… II. 97 a. Universal and Commercial Banks ………………………………………………………………………... II. 98 b. Thrift Banks …………………………………………………………………………………………………….. II. 99

8. Trust and Fund Management Operations (2012-2014) The Philippine Banking System ………………...……………………………….……………………………….. II. 100 a. Universal and Commercial Banks ………………………………………………………………………... II. 101 b. Thrift Banks …………………………………………………………………………………………………….. II. 102

Part III. Directory of the Philippine Banking System

1. Directory of Head Offices of the Banking System (as of December 31, 2014) a. Universal and Commercial Banks …………………… .………………………………………………….. III. 1 b. Thrift Banks …… .…………………………………….………………………………………………………… III. 2 c. Rural and Cooperative Banks …………………………..………………………………………………… III. 4

2. Overseas Offices of Universal and Commercial Banks (as of December 31, 2014) …………………. III. 21

3. Offshore Banking Units (as of December 31, 2014) ………………………………………………………… III. 19

4. Banking Industry Associations (as of December 31, 2014) ………………………………………………… III. 20

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 10,361 648 9,667 46

Increase/(Decrease) 2014 2013 Amount Percent (%) B. Balance Sheet Accounts (in P Billion) Total Assets 11,169 9,971 1,198 12.02 Cash and Due from banks 2,479 2,553 (74) (2.91) Financial Assets, gross (net of amortization) 2,273 2,007 266 13.26 Accumulated Market Gains/Losses 18 (9) 28 (296.44) Allowance for Credit Losses 24 26 (1) (5.13) Financial Assets, net 2,267 1,971 295 14.98 Loans, gross 2/ 5,832 4,897 935 19.10 Allowance for probable losses 162 161 1 0.43 Loans, net (inclusive of Interbank Loans) 5,671 4,736 935 19.74 Equity Investments, gross 204 182 21 11.70 Allowance for probable losses 2 2 0 25.43 Equity Investments, net 201 181 21 11.57 Real and Other Properties Acquired, net 97 110 (13) (11.48) Other assets 454 420 34 8.15 Total Liabilities and Capital Accounts 11,169 9,971 1,198 12.02 Total Liabilities 9,803 8,845 958 10.83 Financial Liabilities Held for Trading 56 41 15 37.76 Financial Liabilities Designated at Fair Value through Profit or Loss 0 0 0 Deposit Liabilities 8,525 7,609 916 12.03 Bills Payable 518 502 15 3.04 Special Financing 0 0 (0) (47.41) Unsecured Subordinated Debt 110 63 47 74.97 Redeemable Preferred Shares 1 0 1 192.38 Other liabilities 593 630 (36) (5.77) Capital Accounts 1,366 1,126 240 21.36 Capital Stock 611 542 68 12.60 Assigned Capital 60 27 33 121.37 Net Due to Head Office 140 95 45 46.92 Other Equity Instruments 28 28 0 1.00 Deposit for Stock Subscription 2 2 (0) (16.95) Retained Earnings & Undivided Profits 3/ 525 431 94 21.79

C. Income Statement Accounts (in P Billion)

Net Profit or Loss 136 145 (9) (6.28) Total Operating Income 467 450 17 3.78 Net Interest Income 321 275 46 16.90 Interest Income 412 367 45 12.27 Less: Interest Expense 90 91 (2) (1.71) Provision for Losses on Accrued Interest 0 0 0 28.98 Income from Financial Assets Non Interest Expense 293 275 18 6.67 Losses/Recoveries on Financial Assets (26) (29) 3 (11.82) Net Profit Before Share in the Profit/(Loss) of 149 147 2 1.32 Unconsolidated Subsidiaries, Associates and Joint Ventures Accounted for Using the Equity Method Share in the Profit/(Loss) of Unconsolidated Subsidiaries, 17 27 (10) (37.85) Associates and Joint Ventures Accounted for Using the Equity Method Total Profit/Loss Before Tax and Before Minority Interest 165 173 (8) (4.69) Income Tax Expense 29 29 1 3.33 Total Profit/Loss After Tax and Before Minority Interest 136 145 (9) (6.28) D. Selected Ratios (%) Return on Average Assets 1.28 1.61 Return on Average Equity 10.88 13.29

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 and Stock Dividend Distributable Details may not add up to totals due to rounding-off Source: Supervisory Data Center, Supervision and Examination Sector

I.1

Part II

Industry Profile of the Philippine Banking System

Table 1.a NUMBER OF OFFICES BY TYPE OF BANK GROUP 2005 - 2014

Type of Bank 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014

Banking System 7,708 7,900 8,070 8,448 8,620 8,877 9,050 9,410 9,935 10,361 Head Offices 879 862 847 818 785 758 726 696 673 648 Branches/ Other Offices 6,829 7,038 7,223 7,630 7,835 8,119 8,324 8,714 9,262 9,713 I. Universal and Commercial Banks 4,347 4,347 4,311 4,447 4,520 4,681 4,857 5,145 5,461 5,833 Head Offices 41 39 38 38 38 38 38 37 36 36 Branches/ Other Offices 4,306 4,308 4,273 4,409 4,482 4,643 4,819 5,108 5,425 5,797 A. Universal Banks 3,712 3,840 3,834 3,952 4,009 4,121 4,207 4,622 5,010 5,336 Head Offices 17 17 17 17 18 19 20 21 21 21 Branches/ Other Offices 3,695 3,823 3,817 3,935 3,991 4,102 4,187 4,601 4,989 5,315 Private Domestic Banks 3,277 3,406 3,395 3,512 3,569 3,674 3,743 4,147 4,523 4,827 Head Offices 11 11 11 11 11 11 11 12 12 12 Branches/ Other Offices 3,266 3,395 3,384 3,501 3,558 3,663 3,732 4,135 4,511 4,815 Foreign Bank Branches 12 12 15 15 16 17 17 17 17 17 Head Offices 3333456666 Branches/ Other Offices 9 9 12 12 12 12 11 11 11 11 Government Banks 423 422 424 425 424 430 447 458 470 492 Head Offices 3333333333 Branches/ Other Offices 420 419 421 422 421 427 444 455 467 489 B . Commercial Banks 635 507 477 495 511 560 650 523 451 497 Head Offices 24 22 21 21 20 19 18 16 15 15 Branches/ Other Offices 611 485 456 474 491 541 632 507 436 482 Private Domestic Banks 487 424 391 410 427 472 561 432 337 373 Head Offices 9877788655 Branches/ Other Offices 478 416 384 403 420 464 553 426 332 368 Foreign Bank Subsidiaries 132 67 70 69 69 74 76 78 100 103 Head Offices 4333322222 Branches/ Other Offices 128 64 67 66 66 72 74 76 98 101 Foreign Bank Branches 16 16 16 16 15 14 13 13 14 21 Head Offices 11 11 11 11 10 9 8 8 8 8 Branches/ Other Offices 5 5 5 5 5 5 5 5 613 II. Thrift Banks 1,293 1,323 1,345 1,327 1,333 1,418 1,491 1,619 1,828 1,920 Head Offices 84 84 82 77 73 73 71 70 71 69 Branches/ Other Offices 1,209 1,239 1,263 1,250 1,260 1,345 1,420 1,549 1,757 1,851 III. Rural and Cooperative Banks 2,068 2,230 2,414 2,674 2,767 2,778 2,702 2,646 2,646 2,608 Head Offices 754 739 727 703 674 647 617 589 566 543 Branches/ Other Offices 1,314 1,491 1,687 1,971 2,093 2,131 2,085 2,057 2,080 2,065

Source: Supervisory Data Center, Supervision and Examination Sector

II. 1 Table 1.b NUMBER OF BRANCHES AND OTHER OFFICES BY TYPE OF LOCATION As of December 31, 2014

Branches and Other Offices 1/ Type of Bank T O T A L Metro Manila Countryside Overseas Total 9,713 3,192 6,475 46 I. Universal and Commercial Banks 5,797 2,609 3,142 46 A. Universal Banks 5,315 2,398 2,871 46 Private Domestic Banks 4,815352 2,278 352 2,492 45 1 ASIA UNITED BANK CORPORATION 203 101 102 2 BDO UNIBANK INC 938 459 474 5 3 BANK OF THE PHIL ISLANDS 672 351 319 2 4 CHINA BANKING CORP 313 146 167 5 EAST WEST BANKING CORP 424 203 221 6 METROPOLITAN BANK & TCO 682 289 385 8 7 PHIL NATIONAL BANK 659 244 385 30 8 PHIL TRUST COMPANY 58 39 19 9 RIZAL COMM'L BANKING CORP 273 96 177 10 SECURITY BANK CORP 216 130 86 11 UNION BANK OF THE PHILS 190 124 66 12 UNITED COCONUT PLANTERS BANK 187 96 91 Foreign Bank Branches 11 8 30 1 ANZ BANKING GROUP LTD 2 DEUTSCHE BANK AG 3 HONGKONG & SHANGHAI BANKING CORP 6 4 2 4 ING BANK N.V. 5 MIZUHO BANK LTD - MANILA BRANCH 6 STANDARD CHARTERED BANK 5 4 1 Government Banks 489 112 376 1 1 AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS 8 1 7 2 DEVELOPMENT BANK OF THE PHIL 112 19 93 3 LAND BANK OF THE PHILIPPINES 369 92 276 1 B . Commercial Banks 482 211 271 Private Domestic Banks 368 164 204 1 BANK OF COMMERCE 124 61 63 2 BDO PRIVATE BANK, INC. 5 3 2 3 PHIL BANK OF COMMUNICATIONS 84 42 42 4 PHILIPPINE VETERANS BANK 59 13 46 5 ROBINSONS BANK CORPORATION 96 45 51 Foreign Bank Subsidiaries 101 41 60 1 CTBC BANK (PHILIPPINES) CORP 23 13 10 2 MAYBANK PHILIPPINES INC 78 28 50 Foreign Bank Branches 13 6 7 1 BANGKOK BANK PUBLIC CO LTD 2 BANK OF AMERICA N.A. 3 BANK OF CHINA LIMITED-MANILA BRANCH 4 CITIBANK, N.A. 12 6 6 5 JP MORGAN CHASE BANK NATIONAL ASSN. 6 KOREA EXCHANGE BANK 1 1 7 MEGA INT'L COMM'L BANK CO LTD 8 THE BNK OF TOKYO-MITSUBISHI UFJ LTD

1/ Excluding Head Offices

II. 2 Table 1.b NUMBER OF BRANCHES AND OTHER OFFICES BY TYPE OF LOCATION As of December 31, 2014 Branches and Other Offices 1/ Type of Bank T O T A L Metro Manila Countryside II. Thrift Banks 1,851 516 1,335 1 1ST VALLEY BANK INC A DEVELOPMENT BANK 38 38 2 BANCO DE ORO SAVINGS BANK INC 3 BANK ONE SAVINGS AND TRUST CORP. 6 6 4 BATAAN DEVELOPMENT BANK 6 6 5 BATAAN SAVINGS AND LOAN BANK 2 2 6 BDO ELITE SAVINGS BANK INC 7 BPI DIRECT SAVINGS BANK INC 8 BPI FAMILY SAVINGS BANK INC 142 97 45 9 BPI GLOBE BANKO INC A SAVINGS BANK 5 5 10 BUSINESS AND CONSUMERS BANK (A DB) 4 4 11 CARD SME BANK INC A THRIFT BANK 85 85 12 CENTURY SAVINGS BANK CORPORATION 6 3 3 13 CHINA BANK SAVINGS INC 77 31 46 14 CITY SAVINGS BANK INC 64 7 57 15 CITYSTATE SAVINGS BANK INC 27 18 9 16 COMSAVINGS BANK 21 7 14 17 CORDILLERA SAVINGS BANK INC 2 2 18 DUMAGUETE CITY DEV BANK INC 3 3 19 DUNGGANON BANK (A MICROFINANCE THRIFT BANK) INC 1 1 20 ENTERPRISE BANK INC (A THRIFT BANK) 35 35 21 EQUICOM SAVINGS BANK INC 14 5 9 22 FARMERS SAVINGS & LOAN BANK INC 7 7 23 FIRST CONSOLIDATED BANK INC (A PDB) 106 106 24 HIYAS BANKING CORPORATION 5 5 25 HSBC SAVINGS BANK(PHILS) INC 8 8 26 INTER-ASIA DEVELOPMENT BANK 1 1 27 ISLA BANK(A THRIFT BANK) INC 2 2 28 LEGAZPI SAVINGS BANK INC 10 10 29 LEMERY SAVINGS & LOAN BANK, INC. 2 2 30 LIFE SAVINGS BANK INC 31 LUZON DEVELOPMENT BANK 39 7 32 32 MALASIQUI PROGRESSIVE SLB, INC 33 MALAYAN BANK SAVINGS AND MORT BANK INC 20 8 12 34 MARITIME SAVINGS BANK CORPORATION 3 3 35 MBANK PHILIPPINES (A THRIFT BANK) INC 36 MERCHANTS SAVINGS & LOAN ASSN INC 22 22 37 METRO CEBU PUBLIC SAVINGS BANK 2 2 38 MICROFINANCE MAXIMUM SB INC 3 1 2 39 NORTHPOINT DEV'T BANK INC 1 1 40 OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE THRIFT BANK) 23 4 19 41 OPTIMUM DEVELOPMENT BANK INC 1 1 42 PACIFIC ACE SAVINGS BANK INC 43 PAMPANGA DEVELOPMENT BANK 3 3 44 PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) 32 32 45 PHIL POSTAL SAVINGS BANK INC 30 30 46 PHIL SAVINGS BANK 244 112 132 47 PHIL STAR DEVELOPMENT BANK INC

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

II. 3 Table 1.b NUMBER OF BRANCHES AND OTHER OFFICES BY TYPE OF LOCATION As of December 31, 2014 Branches and Other Offices 1/ Type of Bank T O T A L Metro Manila Countryside 48 PHILIPPINE BUSINESS BANK INC A SAVINGS BANK 116 49 67 49 PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS BANK) 87 13 74 50 PLANTERS DEVELOPMENT BANK 77 23 54 51 PNB SAVINGS BANK 27 3 24 52 PRODUCERS SAVINGS BANK CORPORATION 116 1 115 53 PROGRESS SAVINGS AND LOAN BANK INC 54 QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK 15 1 14 55 QUEZON COCONUT BANK INC (A THRIFT BANK) 56 RCBC SAVINGS BANK INC 148 51 97 57 SAMPAGUITA SAVINGS BANK INC 1 1 58 SECURITY BANK SAVINGS CORPORATION 39 27 12 59 STERLING BANK OF ASIA INC (A SAVINGS BANK) 40 26 14 60 SUN SAVINGS BANK INC 3 3 61 THE PALAWAN BANK (PALAWAN DB) INC 9 9 62 TONGYANG SAVINGS BANK INC 2 2 63 TOWER DEVELOPMENT BANK 64 UCPB SAVINGS BANK 43 2 41 65 UNITED OVERSEAS BANK PHILIPPINES 66 UNIVERSITY SAVINGS BANK INC 4 1 3 67 VILLAGE BANK INC (A THRIFT BANK) 2 2 68 WEALTH DEVELOPMENT BANK CORPORATION 16 2 14 69 WORLD PARTNERS BANK (A THRIFT BANK) 4 4 III. Rural and Cooperative Banks 2065 67 1,998 A. Rural Banks 1,951 67 1,884 B. Cooperative Banks 114 114

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

II. 4 Table 1.c NUMBER OF AUTOMATED TELLER MACHINES The Philippine Banking System 2005 - 2014

Name of Bank 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014

Total 6,212 6,867 7,155 7,741 8,458 9,370 10,659 12,225 14,530 15,695 On-site 4,476 4,898 5,118 5,423 5,744 6,165 6,608 7,282 8,477 9,064 Off-site 1,736 1,969 2,037 2,318 2,714 3,205 4,051 4,943 6,053 6,631

A. Universal and Commercial Banks 5,606 6,178 6,383 6,803 7,380 8,072 9,197 10,510 12,451 13,336

On-site 3,969 4,334 4,470 4,645 4,935 5,217 5,574 6,130 7,069 7,474 Off-site 1,637 1,844 1,913 2,158 2,445 2,855 3,623 4,380 5,382 5,862

B. Thrift Banks 564 616 689 825 959 1151 1,229 1,471 1,740 1,880

On-site 470 503 577 683 708 819 835 944 1,118 1,169 Off-site 94 113 112 142 251 332 394 527 622 711

C. Rural and Cooperative Banks 42 73 83 113 119 147 233 244 339 479 On-site 37 61 71 95 101 129 199 208 290 421 Off-site 5 12 12 18 18 18 34 36 49 58

NOTE : Rural and Cooperative Banks started reporting their number of ATMs in 2005. Source: Supervisory Data Center, Supervision and Examination Sector

II. 5 Table 1.d CHANGES IN THE PHILIPPINE BANKING NETWORK For the Year 2014

I. NEW BANKS

Name of Bank Address Date Opened

NONE

II. MERGERS/ACQUISITIONS/CONSOLIDATIONS Bank/NBFI Effectivity Surviving/Acquiring Bank Bank Category Absorbed Bank(s) Category Date Bank of Florida, Inc. (A Rural Bank) Rural Bank BOF, Inc. (A Rural Bank) Rural Bank 2-Jan-14 Bank of Lubao, Inc. (A Rural Bank) Rural Bank

China Bank Savings, Inc. Thrift Bank Unity Bank, A Rural Bank, Inc. Rural Bank 20-Jan-14

Universal/Commercial East West Banking Corporation Green Bank (A Rural Bank), Inc. Rural Bank 31-Jul-14 Bank

Cooperative Bank of Agusan del Sur Cooperative Bank 8-Sep-14 Capiz Settlers Cooperative Rural Bank, Inc. Cooperative Bank 8-Sep-14 Network Consolidated Cooperative Bank Cooperative Bank Cooperative Bank of Camarines Norte Cooperative Bank 8-Sep-14 Cooperative Bank of Leyte Cooperative Bank 8-Sep-14 Sorsogon Provincial Cooperative Bank Cooperative Bank 8-Sep-14 Southern Leyte Cooperative Bank Cooperative Bank 8-Sep-14

Universal/Commercial BDO Unibank, Inc. The Real Bank (A Thrift Bank), Inc. Thrift Bank 8-Aug-14 Bank

Rural Bank of Angeles, Inc. Rural Bank Cooperative Bank of Pampanga, Inc. Cooperative Bank 31-Oct-14

III. CONVERSIONS Bank/NBFI From Bank/NBFI Category To Effectivity Date Category

NONE

IV. CLOSURES

Name of Bank Date of Closure

THRIFT BANKS Silangan Savings and Loan Bank, Inc. 09-Jan-14

RURAL AND COOPERATIVE BANKS

Rural Bank of Reina Mercedes (Isabela), Inc. 7-Feb-14

Rural Bank of Montevista (Davao del Norte), Inc. 6-Mar-14 Rural Bank of Pres. Manuel A. Roxas (Zamboanga 20-Mar-14 del Norte), Inc.

Rural Bank of Lingayen, Inc. 3-Apr-14

Cavite Rural Banking Corporation 9-May-14

Asian Consumers Bank (A Rural Bank), Inc. 26-Jun-14

Rural Bank of Oroquieta (Misamis Occidental), Inc. 21-Jul-14

Banco Carmona (Cavite), Inc., A Rural Bank 1-Aug-14

Rural Bank of Padre Burgos (Southern Leyte), Inc. 12-Sep-14

Rural Bank of Lobo, Inc. 18-Sep-14

Fil-Agro Rural Bank, Inc. 25-Sep-14

Cooperative Bank of Tarlac, Inc. 24-Oct-14

Synergy Rural Bank (Batangas), Inc. 6-Nov-14

Rural Bank of Burauen (Leyte), Inc. 4-Dec-14

Source: Supervisory Data Center, Supervision and Examination Sector

II. 6 Table 2 BALANCE SHEET Philippine Banking System 2010 - 2014 In Million Pesos

2014 Accounts 2010 2011 2012 2013 3.31 6.30 9.30 12.31 TOTAL ASSETS 6,918,334 7,335,624 8,049,723 9,970,839 10,105,267 10,277,166 10,419,963 11,168,982 Cash and Due from banks 1,326,926 1,361,317 1,459,169 2,553,262 2,438,533 2,413,701 2,326,521 2,478,899 Financial Assets, gross (net of amortization) 1,731,710 1,650,561 1,819,248 2,006,646 2,118,957 2,110,094 2,147,064 2,272,686 Accumulated Market Gains/Losses 30,150 48,254 55,389 (9,406) (2,371) 6,196 (372) 18,476 Market Gains/Losses) 1,761,860 1,698,815 1,874,637 1,997,240 2,116,586 2,116,290 2,146,692 2,291,162 Allowance for Credit Losses 28,112 24,833 25,548 25,802 24,931 24,494 24,503 24,477 Financial Assets, gross (net of amortization and 1,733,748 1,673,982 1,849,089 1,971,439 2,091,655 2,091,796 2,122,189 2,266,685 credit losses) Loans, gross 1/ 3,303,473 3,761,898 4,228,601 4,896,950 5,015,414 5,209,025 5,415,045 5,832,377 Allowance for probable losses 142,022 145,453 156,770 160,874 161,172 162,645 162,569 161,573 Loans, net (inclusive of IBL) 3,161,451 3,616,445 4,071,832 4,736,076 4,854,242 5,046,381 5,252,476 5,670,804 Equity Investments gross 134,581 152,977 165,792 182,240 182,735 185,128 189,248 203,567 Allowance for probable losses 1,424 1,412 1,683 1,696 1,695 1,970 1,970 2,126 Equity Investments, net 133,157 151,565 164,109 180,545 181,040 183,158 187,278 201,440 Real and Other Properties Acquired, net 145,064 125,070 116,145 109,531 106,145 105,192 102,281 96,960 Other assets 417,989 407,244 389,379 419,985 433,653 436,939 429,218 454,194 LIABILITIES AND CAPITAL 6,918,334 7,335,624 8,049,723 9,970,839 10,105,267 10,277,166 10,419,963 11,168,982 LIABILITIES 6,109,818 6,414,354 6,998,273 8,845,031 8,933,770 9,071,037 9,178,499 9,802,693 Financial Liabilities Held for Trading 53,381 40,756 52,724 40,790 41,967 42,249 61,129 56,194 Financial Liabilities Designated at Fair 6,485 6,526 6,196 0 0 0 0 0 Value through Profit or Loss Deposit Liabilities 5,125,110 5,376,445 5,753,629 7,608,868 7,732,753 7,897,392 8,016,766 8,524,553 Peso Liabilities 4,023,633 4,307,746 4,711,419 6,448,697 6,493,053 6,584,208 6,631,464 7,090,348 Demand and NOW 914,818 1,039,431 1,113,789 1,550,772 1,548,957 1,624,033 1,627,491 1,707,489 Savings 1,929,473 2,132,267 2,316,373 3,021,867 3,183,183 3,099,853 3,167,879 3,351,844 Time 1,144,483 1,096,332 1,230,419 1,789,281 1,676,523 1,775,005 1,750,723 1,924,859 LTNCD 34,859 39,716 50,837 86,779 84,390 85,317 85,371 106,156 Foreign Currency 1,101,477 1,068,700 1,042,210 1,160,170 1,239,700 1,313,184 1,385,302 1,434,205 Bills Payable 370,894 390,833 426,636 502,389 444,267 435,729 423,508 517,643 Deposits Substitutes 36,096 76,522 96,232 155,141 157,314 133,235 104,797 195,397 Others 334,798 314,311 330,404 347,248 286,953 302,494 318,711 322,246 Special Financing 68 220 220 58 70 67 41 31 Unsecured Subordinated Debt 106,550 110,127 113,459 62,803 70,554 69,010 93,345 109,890 Redeemable Preferred Shares 453 386 352 320 325 961 960 936 Other liabilities 446,877 489,060 645,057 629,803 643,834 625,628 582,751 593,447 TOTAL CAPITAL ACCOUNTS 808,516 921,270 1,051,451 1,125,807 1,171,497 1,206,129 1,241,463 1,366,289 Capital Stock 381,341 407,784 464,950 542,237 574,374 583,528 594,555 610,567 Assigned Capital 24,340 24,953 27,012 27,228 34,537 34,537 37,667 60,276 Net Due to Head Office 81,271 85,459 94,802 95,317 103,093 105,112 100,314 140,035 Other Equity Instruments 27,429 29,783 31,267 27,592 27,740 27,457 27,886 27,869 Retained Earnings & Undivided Profits 2/ 294,131 373,291 433,419 431,123 431,754 455,496 481,043 526,967

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

II. 7 Table 2.a BALANCE SHEET Universal and Commercial Banks 2010 - 2014 In Million Pesos

2014 Accounts 2010 2011 2012 2013 3.31 6.30 9.30 12.31 TOTAL ASSETS 6,131,755 6,541,426 7,193,817 8,997,132 9,104,850 9,251,188 9,377,862 10,069,630 Cash and Due from banks 1,210,927 1,237,556 1,331,580 2,345,158 2,254,013 2,222,375 2,129,728 2,237,062 Financial Assets, gross (net of amortization) 1,617,616 1,550,083 1,723,701 1,926,328 2,036,933 2,022,346 2,060,738 2,180,496 Accumulated Market Gains/Losses 29,423 43,562 53,923 (7,505) (1,264) 6,068 331 18,159 Market Gains/Losses) 1,647,039 1,593,645 1,777,624 1,918,823 2,035,669 2,028,414 2,061,069 2,198,655 Allowance for Credit Losses 27,055 23,855 24,520 24,769 23,949 23,598 23,703 23,694 Financial Assets, gross (net of amortization and credit losses) 1,619,984 1,569,790 1,753,104 1,894,054 2,011,720 2,004,816 2,037,366 2,174,960 Loans, gross 1/ 2,825,455 3,252,378 3,650,760 4,256,963 4,329,734 4,513,288 4,704,656 5,117,884 Allowance for probable losses 118,784 121,507 128,464 130,440 131,790 133,317 133,708 132,542 Loans, net (inclusive of IBL) 2,706,671 3,130,871 3,522,296 4,126,523 4,197,944 4,379,971 4,570,948 4,985,342 Equity Investments gross 130,387 148,402 161,732 179,741 180,241 182,599 187,498 201,933 Allowance for probable losses 1,165 1,196 1,437 1,450 1,450 1,724 1,724 1,880 Equity Investments, net 129,222 147,206 160,295 178,292 178,792 180,875 185,774 200,053 Real and Other Properties Acquired, net 107,757 93,930 87,980 79,511 75,581 74,735 72,831 67,206 Other assets 357,193 362,072 338,562 373,593 386,800 388,416 381,216 405,006 LIABILITIES AND CAPITAL 6,131,755 6,541,426 7,193,817 8,997,132 9,104,850 9,251,188 9,377,862 10,069,630 LIABILITIES 5,420,214 5,726,731 6,256,765 7,993,560 8,059,980 8,176,129 8,271,547 8,852,815 Financial Liabilities Held for Trading 53,352 40,756 52,724 40,789 41,966 42,249 61,126 56,193 Financial Liabilities Designated at Fair 6,485 6,526 6,196 0 0 0 0 0 Value through Profit or Loss Deposit Liabilities 4,513,307 4,755,980 5,097,472 6,837,526 6,948,007 7,089,172 7,206,070 7,680,627 Peso Liabilities 3,461,502 3,740,378 4,102,566 5,721,715 5,752,770 5,819,888 5,865,857 6,291,628 Demand and NOW 866,312 989,029 1,067,028 1,486,162 1,487,814 1,560,723 1,566,051 1,643,520 Savings 1,703,451 1,921,474 2,096,855 2,740,941 2,873,511 2,788,658 2,869,249 3,044,638 Time 857,026 790,264 887,961 1,407,868 1,307,089 1,385,224 1,345,202 1,497,314 LTNCD 34,713 39,612 50,722 86,745 84,356 85,283 85,355 106,156 Foreign Currency 1,051,806 1,015,601 994,906 1,115,811 1,195,236 1,269,284 1,340,213 1,388,998 Bills Payable 332,550 354,106 380,879 462,450 401,448 398,344 376,275 458,872 Deposits Substitutes 36,096 76,518 96,232 155,141 157,314 133,074 104,698 195,237 Others 296,454 277,588 284,647 307,309 244,134 265,270 271,577 263,635 Special Financing 5 6 6 6 6 5 6 6 Unsecured Subordinated Debt 102,061 107,712 107,441 57,005 64,924 60,408 84,853 101,959 Redeemable Preferred Shares 0 0 0 0 0 0 0 0 Other liabilities 412,453 461,646 612,047 595,784 603,628 585,951 543,218 555,158 TOTAL CAPITAL ACCOUNTS 711,541 814,695 937,052 1,003,572 1,044,871 1,075,059 1,106,314 1,216,815 Capital Stock 312,489 341,326 391,129 462,415 490,408 498,254 509,288 514,998 Assigned Capital 24,340 24,953 27,012 27,228 34,537 34,537 37,667 60,276 Net Due to Head Office 81,271 85,459 94,802 95,317 103,093 105,112 100,314 140,035 Other Equity Instruments 27,394 29,767 29,967 27,589 27,737 27,328 27,758 27,703 Retained Earnings & Undivided Profits 2/ 266,047 333,190 394,141 391,023 389,096 409,829 431,289 473,804

II. 8 Table 2.a.1a BALANCE SHEET Universal Banks 2010 - 2014 In Million Pesos

2014 Accounts 2010 2011 2012 2013 3.31 6.30 9.30 12.31 TOTAL ASSETS 5,285,187 5,663,402 6,405,099 8,146,264 8,236,951 8,368,129 8,464,309 9,145,428 Cash and Due from banks 1,067,696 1,035,106 1,153,563 2,117,086 1,985,214 1,965,882 1,846,271 1,967,910 Financial Assets, gross (net of amortization) 1,412,332 1,368,866 1,560,708 1,754,459 1,864,139 1,849,178 1,870,491 1,950,238 Accumulated Market Gains/Losses 29,276 42,871 48,970 (4,158) 2,664 9,000 3,435 18,833 Financial Assets, gross (net of amortization and Market Gains/Losses) 1,441,608 1,411,737 1,609,678 1,750,301 1,866,804 1,858,178 1,873,926 1,969,071 Allowance for Credit Losses 24,275 21,330 22,273 22,741 22,480 22,153 22,247 22,259 Financial Assets, gross (net of amortization and credit losses) 1,417,332 1,390,407 1,587,404 1,727,560 1,844,324 1,836,025 1,851,679 1,946,812 Loans, gross 1/ 2,386,610 2,822,811 3,244,167 3,835,048 3,937,772 4,096,253 4,298,611 4,732,132 Allowance for probable losses 101,607 105,839 113,669 116,415 115,857 117,959 117,985 116,769 Loans, net (inclusive of IBL) 2,285,003 2,716,972 3,130,498 3,718,633 3,821,916 3,978,293 4,180,626 4,615,363 Equity Investments gross 129,380 146,123 159,579 178,497 179,014 181,376 185,978 199,969 Allowance for probable losses 1,153 1,193 1,395 1,444 1,444 1,718 1,718 1,866 Equity Investments, net 128,227 144,930 158,184 177,054 177,571 179,658 184,261 198,103 Real and Other Properties Acquired, net 97,181 84,154 78,928 72,489 68,596 67,784 66,031 59,616 Other assets 289,748 291,833 296,521 333,442 339,331 340,487 335,441 357,625 LIABILITIES AND CAPITAL 5,285,187 5,663,402 6,405,099 8,146,265 8,236,951 8,368,129 8,464,309 9,145,428 LIABILITIES 4,693,882 4,981,806 5,604,583 7,266,403 7,319,821 7,425,126 7,490,048 8,086,720 Financial Liabilities Held for Trading 39,072 30,166 41,341 36,107 36,206 37,345 55,186 48,535 Financial Liabilities Designated at Fair 6,474 6,479 6,196 0 0 0 0 0 Value through Profit or Loss Deposit Liabilities 3,945,790 4,174,491 4,597,516 6,252,674 6,316,147 6,450,880 6,529,303 7,024,202 Peso Liabilities 3,079,818 3,316,235 3,751,023 5,284,584 5,284,850 5,355,382 5,367,344 5,816,770 Demand and NOW 722,531 827,411 925,734 1,313,981 1,302,601 1,365,969 1,367,559 1,450,932 Savings 1,578,576 1,784,044 1,970,120 2,584,491 2,707,192 2,623,400 2,683,317 2,866,749 Time 747,530 668,828 804,447 1,299,367 1,190,701 1,280,730 1,231,113 1,392,933 LTNCD 31,180 35,952 50,722 86,745 84,356 85,283 85,355 106,156 Foreign Currency 865,972 858,256 846,494 968,090 1,031,297 1,095,498 1,161,959 1,207,432 Bills Payable 305,117 321,992 355,022 441,359 389,716 383,356 361,113 448,024 Deposits Substitutes 34,398 72,855 94,796 153,266 154,719 129,597 101,353 192,128 Others 270,719 249,136 260,226 288,094 234,998 253,758 259,759 255,896 Special Financing 4 5 5 5 5 5 5 5 Unsecured Subordinated Debt 97,679 103,493 107,441 57,005 64,924 60,408 84,853 101,959 Redeemable Preferred Shares 0 0 0 0 0 0 0 0 Other liabilities 299,746 345,181 497,062 479,252 512,822 493,133 459,587 463,995 TOTAL CAPITAL ACCOUNTS 591,305 681,596 800,516 879,862 917,129 943,003 974,261 1,058,708 Capital Stock 257,995 278,725 340,252 410,293 438,287 446,133 455,374 460,813 Assigned Capital 11,467 12,704 12,704 12,920 16,358 16,358 16,358 30,594 Net Due to Head Office 34,400 38,113 38,113 38,761 44,498 43,839 44,006 70,114 Other Equity Instruments 27,394 27,394 26,415 27,589 27,737 27,328 27,758 27,703 Retained Earnings & Undivided Profits 2/ 260,049 324,660 383,033 390,298 390,250 409,345 430,765 469,484

II. 9 Table 2.a.1b BALANCE SHEET Commercial Banks 2010 - 2014 In Million Pesos

2014 Accounts 2010 2011 2012 2013 3.31 6.30 9.30 12.31 TOTAL ASSETS 846,568 878,024 788,718 850,868 867,899 883,059 913,552 924,202 Cash and Due from banks 143,232 202,449 178,018 228,072 268,798 256,493 283,457 269,152 Financial Assets, gross (net of amortization) 205,284 181,217 162,993 171,870 172,793 173,168 190,247 230,257 Accumulated Market Gains/Losses 148 691 4,953 (3,347) (3,928) (2,932) (3,104) (674) Financial Assets, gross (net of amortization and Market Gains/Losses) 205,431 181,908 167,947 168,523 168,865 170,235 187,143 229,584 Allowance for Credit Losses 2,779 2,525 2,247 2,028 1,469 1,445 1,457 1,435 Financial Assets, gross (net of amortization and credit losses) 202,652 179,383 165,699 166,495 167,396 168,791 185,687 228,148 Loans, gross 1/ 438,845 429,567 406,592 421,915 391,962 417,035 406,045 385,752 Allowance for probable losses 17,177 15,668 14,794 14,025 15,933 15,357 15,723 15,773 Loans, net (inclusive of IBL) 421,668 413,899 391,798 407,890 376,029 401,678 390,321 369,980 Equity Investments gross 1,008 2,279 2,153 1,244 1,227 1,223 1,519 1,964 Allowance for probable losses 12 3 42 6 6 6 6 14 Equity Investments, net 996 2,276 2,111 1,238 1,221 1,217 1,513 1,950 Real and Other Properties Acquired, net 10,576 9,777 9,051 7,021 6,985 6,951 6,799 7,590 Other assets 67,445 70,239 42,040 40,151 47,469 47,929 45,775 47,381 LIABILITIES AND CAPITAL 846,568 878,024 788,718 850,868 867,899 883,059 913,552 924,202 LIABILITIES 726,332 744,925 652,182 727,158 740,158 751,003 781,500 766,095 Financial Liabilities Held for Trading 14,281 10,591 11,383 4,682 5,760 4,904 5,939 7,658 Financial Liabilities Designated at Fair 11 47 0 0 0 0 0 0 Value through Profit or Loss Deposit Liabilities 567,518 581,489 499,955 584,852 631,860 638,292 676,767 656,425 Peso Liabilities 381,683 424,143 351,543 437,132 467,920 464,506 498,513 474,858 Demand and NOW 143,781 161,618 141,294 172,180 185,213 194,754 198,492 192,588 Savings 124,874 137,430 126,735 156,450 166,319 165,257 185,932 177,889 Time 109,496 121,435 83,514 108,501 116,389 104,494 114,089 104,381 LTNCD 3,533 3,660 0 0 0 0 0 0 Foreign Currency 185,834 157,346 148,412 147,721 163,940 173,786 178,253 181,567 Bills Payable 27,433 32,114 25,857 21,091 11,732 14,988 15,162 10,848 Deposits Substitutes 1,698 3,663 1,436 1,876 2,595 3,477 3,344 3,109 Others 25,735 28,451 24,421 19,215 9,137 11,511 11,818 7,739 Special Financing 1 1 1 1 1 0 1 1 Unsecured Subordinated Debt 4,382 4,219 0 0 0 0 0 0 Redeemable Preferred Shares 0 0 0 0 0 0 0 0 Other liabilities 112,707 116,465 114,985 116,532 90,806 92,818 83,631 91,163 TOTAL CAPITAL ACCOUNTS 120,236 133,099 136,536 123,710 127,741 132,056 132,053 158,107 Capital Stock 54,494 62,601 50,877 52,121 52,121 52,121 53,914 54,185 Assigned Capital 12,874 12,249 14,308 14,308 18,179 18,179 21,309 29,682 Net Due to Head Office 46,871 47,347 56,690 56,556 58,595 61,273 56,307 69,921 Other Equity Instruments 0 0 3,553 0 0 0 0 0 Retained Earnings & Undivided Profits 2/ 5,997 8,530 11,108 725 (1,154) 483 524 4,320

II. 10 Table 2.a.2a BALANCE SHEET Private Domestic Universal and Commercial Banks 2010 - 2014 In Million Pesos

2014 Accounts 2010 2011 2012 2013 3.31 6.30 9.30 12.31 TOTAL ASSETS 4,487,673 4,752,088 5,235,999 6,721,217 6,766,296 6,867,536 7,010,150 7,536,559 Cash and Due from banks 882,001 821,672 870,879 1,613,573 1,529,700 1,494,061 1,414,426 1,536,316 Financial Assets, gross (net of amortization) 1,160,029 1,089,757 1,201,536 1,389,998 1,436,033 1,450,709 1,460,555 1,487,061 Accumulated Market Gains/Losses 7,093 17,985 25,680 (21,853) (12,833) (6,696) (13,290) 2,900 Financial Assets, gross (net of amortization and Market Gains/Losses) 1,167,121 1,107,743 1,227,216 1,368,145 1,423,201 1,444,013 1,447,265 1,489,961 Allowance for Credit Losses 23,839 20,525 21,338 21,596 20,829 20,610 20,766 20,758 Financial Assets, gross (net of amortization and credit losses) 1,143,283 1,087,218 1,205,878 1,346,549 1,402,372 1,423,403 1,426,500 1,469,203 Loans, gross 1/ 2,039,333 2,411,538 2,741,646 3,304,099 3,376,831 3,491,289 3,705,165 4,040,225 Allowance for probable losses 93,454 93,429 100,925 102,071 100,905 102,682 103,017 102,031 Loans, net (inclusive of IBL) 1,945,879 2,318,109 2,640,722 3,202,028 3,275,926 3,388,607 3,602,148 3,938,194 Equity Investments gross 125,300 143,166 155,401 173,049 173,304 175,382 180,295 194,823 Allowance for probable losses 1,165 1,158 1,399 1,363 1,363 1,363 1,363 1,371 Equity Investments, net 124,135 142,008 154,002 171,687 171,942 174,020 178,932 193,452 Real and Other Properties Acquired, net 97,973 85,449 79,719 70,940 67,282 66,062 64,523 59,049 Other assets 294,402 297,632 284,800 316,442 319,075 321,384 323,621 340,345 LIABILITIES AND CAPITAL 4,487,673 4,752,088 5,235,999 6,721,217 6,766,296 6,867,536 7,010,150 7,536,559 LIABILITIES 3,994,926 4,172,785 4,550,276 5,970,231 5,983,978 6,059,307 6,171,890 6,655,712 Financial Liabilities Held for Trading 20,647 14,320 21,212 26,033 27,738 27,882 46,025 41,109 Financial Liabilities Designated at Fair 6,485 6,479 6,196 0 0 0 0 0 Value through Profit or Loss Deposit Liabilities 3,517,699 3,648,810 3,924,436 5,268,703 5,327,235 5,393,233 5,500,195 5,856,550 Peso Liabilities 2,718,247 2,875,292 3,166,087 4,407,937 4,411,485 4,425,711 4,482,363 4,796,261 Demand and NOW 557,849 618,191 647,058 905,103 906,709 931,105 943,204 986,251 Savings 1,356,516 1,516,063 1,667,882 2,213,069 2,312,038 2,202,310 2,289,480 2,383,926 Time 769,681 701,975 801,014 1,208,020 1,113,382 1,212,013 1,169,324 1,324,928 LTNCD 34,200 39,063 50,133 81,744 79,356 80,283 80,355 101,156 Foreign Currency 799,453 773,519 758,349 860,766 915,750 967,522 1,017,832 1,060,289 Bills Payable 153,735 175,471 235,911 321,829 270,460 276,559 258,704 339,753 Deposits Substitutes 36,096 69,276 91,306 150,906 153,519 128,601 99,325 188,645 Others 117,639 106,195 144,605 170,923 116,941 147,958 159,379 151,108 Special Financing 4 5 5 5 5 5 5 5 Unsecured Subordinated Debt 79,701 94,294 77,873 23,950 31,868 34,284 58,728 75,832 Redeemable Preferred Shares 0 0 0 0 0 0 0 0 Other liabilities 216,653 233,406 284,644 329,710 326,673 327,344 308,234 342,462 TOTAL CAPITAL ACCOUNTS 492,747 579,303 685,724 750,986 782,319 808,229 838,260 880,847 Capital Stock 287,012 306,585 356,404 423,613 451,606 459,452 470,486 475,925 Assigned Capital 0 0 0 0 0 0 0 0 Net Due to Head Office 0 0 0 0 0 0 0 0 Other Equity Instruments 21,695 24,068 24,631 21,818 21,911 21,653 21,924 21,890 Retained Earnings & Undivided Profits 2/ 193,125 248,650 304,689 305,556 308,802 327,123 345,850 383,033

II. 11 Table 2.a.2b BALANCE SHEET Government Banks 1/ 2010 - 2014 In Million Pesos

2014 Accounts 2010 2011 2012 2013 3.31 6.30 9.30 12.31 TOTAL ASSETS 864,204 979,673 1,043,655 1,278,958 1,298,425 1,363,562 1,348,395 1,527,189 Cash and Due from banks 143,414 147,129 191,640 390,439 347,750 391,550 355,939 383,750 Financial Assets, gross (net of amortization) 332,907 336,382 363,624 407,180 441,568 428,956 442,891 478,178 Accumulated Market Gains/Losses 21,465 24,591 26,910 14,194 11,451 12,576 13,496 15,138 Financial Assets, gross (net of amortization and Market Gains/Losses) 354,372 360,973 390,534 421,374 453,019 441,532 456,386 493,316 Allowance for Credit Losses 2,902 2,913 2,738 2,677 2,625 2,492 2,442 2,441 Financial Assets, gross (net of amortization and credit losses) 351,470 358,061 387,796 418,697 450,394 439,040 453,944 490,874 Loans, gross 2/ 342,298 450,839 444,960 446,749 472,888 509,418 519,700 625,554 Allowance for probable losses 14,891 17,023 16,832 17,397 17,584 17,318 17,010 16,879 Loans, net (inclusive of IBL) 327,406 433,816 428,128 429,353 455,304 492,100 502,690 608,675 Equity Investments gross 3,870 4,019 4,110 4,472 4,717 4,996 4,982 4,890 Allowance for probable losses 0 38 38 87 87 361 361 509 Equity Investments, net 3,870 3,981 4,073 4,385 4,630 4,635 4,621 4,381 Real and Other Properties Acquired, net 9,206 7,909 7,641 7,819 7,589 7,943 7,568 7,392 Other assets 28,838 28,776 24,378 28,265 32,757 28,294 23,633 32,116 LIABILITIES AND CAPITAL 864,204 979,673 1,043,655 1,278,958 1,298,425 1,363,562 1,348,395 1,527,189 LIABILITIES 760,106 865,837 926,332 1,165,497 1,190,310 1,253,081 1,235,201 1,408,926 Financial Liabilities Held for Trading 236 225 142 365 332 68 488 172 Financial Liabilities Designated at Fair 0 0 0 0 0 0 0 0 Value through Profit or Loss Deposit Liabilities 564,821 665,917 720,940 957,224 979,086 1,060,622 1,053,684 1,208,069 Peso Liabilities 503,654 606,488 659,717 902,858 917,299 990,157 967,229 1,113,428 Demand and NOW 196,616 249,198 288,066 401,381 390,640 435,702 429,395 463,225 Savings 301,734 351,321 365,953 448,691 480,766 505,889 493,463 584,700 Time 4,791 5,419 5,110 47,785 40,893 43,567 39,372 60,504 LTNCD 513 549 588 5,000 5,000 5,000 5,000 5,000 Foreign Currency 61,167 59,430 61,224 54,366 61,787 70,465 86,455 94,641 Bills Payable 139,235 140,809 129,302 123,002 118,983 109,052 98,378 105,434 Deposits Substitutes 0 6,639 4,607 4,090 3,374 4,337 5,116 6,592 Others 139,235 134,170 124,695 118,912 115,609 104,715 93,262 98,843 Special Financing 0 0 0 0 0 0 0 0 Unsecured Subordinated Debt 22,360 13,418 29,569 33,055 33,057 26,124 26,126 26,127 Redeemable Preferred Shares 0 0 0 0 0 0 0 0 Other liabilities 33,454 45,468 46,379 51,850 58,852 57,215 56,525 69,125 TOTAL CAPITAL ACCOUNTS 104,098 113,836 117,323 113,461 108,115 110,481 113,194 118,262 Capital Stock 25,476 25,476 25,476 25,476 25,476 25,476 25,476 25,476 Assigned Capital 0 0 0 0 0 0 0 0 Net Due to Head Office 0 0 0 0 0 0 0 0 Other Equity Instruments 5,699 5,699 5,337 5,771 5,826 5,675 5,834 5,814 Retained Earnings & Undivided Profits 3/ 72,922 82,660 86,510 82,213 76,813 79,330 81,884 86,973

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 and Stock Dividend Distributable Details may not add up to totals due to rounding-off Source: Supervisory Data Center, Supervision and Examination Sector

II. 12 Table 2.a.2c BALANCE SHEET Foreign Bank Branches (Universal/Commercial Banks) 2010 - 2014 In Million Pesos

2014 Accounts 2010 2011 2012 2013 3.31 6.30 9.30 12.31 TOTAL ASSETS 720,776 737,852 841,785 895,121 941,945 921,869 915,548 900,390 Cash and Due from banks 178,872 256,358 255,811 316,390 349,160 310,290 334,637 293,415 Financial Assets, gross (net of amortization) 113,004 107,622 146,659 118,614 147,842 132,618 143,984 203,683 Accumulated Market Gains/Losses 891 1,038 1,275 345 264 294 236 178 Financial Assets, gross (net of amortization and Market Gains/Losses) 113,895 108,660 147,933 118,959 148,106 132,911 144,220 203,861 Allowance for Credit Losses 313 308 308 305 305 305 305 305 Financial Assets, gross (net of amortization and credit losses) 113,582 108,352 147,626 118,654 147,801 132,606 143,914 203,555 Loans, gross 1/ 405,156 349,625 420,067 442,529 424,033 455,210 417,535 385,579 Allowance for probable losses 8,809 10,107 9,693 9,699 11,967 11,968 12,289 12,130 Loans, net (inclusive of IBL) 396,346 339,518 410,374 432,830 412,066 443,242 405,247 373,449 Equity Investments gross 1,197 1,197 2,220 2,220 2,220 2,220 2,220 2,220 Allowance for probable losses 0 0 0 0 0 0 0 0 Equity Investments, net 1,197 1,197 2,220 2,220 2,220 2,220 2,220 2,220 Real and Other Properties Acquired, net 13 9 6 19 9 9 7 7 Other assets 30,765 32,417 25,749 25,008 30,688 33,502 29,523 27,744 LIABILITIES AND CAPITAL 720,776 737,852 841,785 895,121 941,945 921,869 915,548 900,390 LIABILITIES 615,164 627,440 719,971 772,575 804,285 782,104 777,518 699,630 Financial Liabilities Held for Trading 32,086 25,720 30,931 14,170 13,680 13,963 14,247 14,730 Financial Liabilities Designated at Fair 0 47 0 0 0 0 0 0 Value through Profit or Loss Deposit Liabilities 389,145 394,291 402,945 537,139 570,461 568,224 579,797 537,362 Peso Liabilities 211,761 224,911 239,175 347,839 366,681 350,808 359,462 322,635 Demand and NOW 100,558 108,121 118,314 157,567 166,751 171,190 170,613 171,095 Savings 38,808 44,365 50,436 65,605 71,916 71,511 76,509 64,747 Time 72,395 72,426 70,425 124,667 128,014 108,107 112,339 86,793 LTNCD 0 0 0 0 0 0 0 0 Foreign Currency 177,384 169,380 163,770 189,300 203,780 217,416 220,335 214,727 Bills Payable 35,554 27,313 7,988 10,480 6,186 4,151 10,200 8,806 Deposits Substitutes 0 603 319 145 420 137 257 0 Others 35,554 26,710 7,668 10,335 5,765 4,014 9,943 8,806 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 158,379 180,068 278,106 210,787 213,958 195,767 173,274 138,732 TOTAL CAPITAL ACCOUNTS 105,611 110,412 121,815 122,545 137,660 139,765 138,030 200,760 Capital Stock 0 0 0 0 0 0 0 271 Assigned Capital 24,340 24,953 27,012 27,228 34,537 34,537 37,667 60,276 Net Due to Head Office 81,271 85,459 94,802 95,317 103,093 105,112 100,314 140,035 Other Equity Instruments 0 0 0 0 0 0 0 0 Retained Earnings & Undivided Profits 2/ 0 0 0 0 30 116 49 178

II. 13 Table 2.a.2d BALANCE SHEET Foreign Bank Subsidiaries (Universal/Commercial Banks) 2010 - 2014 In Million Pesos

2014 Accounts 2010 2011 2012 2013 3.31 6.30 9.30 12.31 TOTAL ASSETS 59,103 71,814 72,377 101,837 98,183 98,221 103,769 105,492 Cash and Due from banks 6,641 12,396 13,251 24,756 27,403 26,474 24,726 23,581 Financial Assets, gross (net of amortization) 11,675 16,322 11,882 10,537 11,489 10,063 13,308 11,574 Accumulated Market Gains/Losses (25) (52) 58 (190) (146) (106) (111) (57) Financial Assets, gross (net of amortization and Market Gains/Losses) 11,651 16,269 11,941 10,347 11,342 9,957 13,198 11,517 Allowance for Credit Losses 0 110 136 190 190 190 190 190 Financial Assets, gross (net of amortization and credit losses) 11,650 16,160 11,805 10,157 11,153 9,767 13,008 11,328 Loans, gross 1/ 38,668 40,376 44,086 63,586 55,982 57,370 62,256 66,526 Allowance for probable losses 1,629 948 1,014 1,273 1,334 1,348 1,393 1,501 Loans, net (inclusive of IBL) 37,039 39,428 43,073 62,313 54,648 56,022 60,863 65,025 Equity Investments gross 20 20 0 0 0 0 0 0 Allowance for probable losses 0 0 0 0 0 0 0 0 Equity Investments, net 20 20 0 0 0 0 0 0 Real and Other Properties Acquired, net 565 563 614 733 701 720 732 758 Other assets 3,188 3,247 3,635 3,878 4,279 5,237 4,440 4,801 LIABILITIES AND CAPITAL 59,103 71,814 72,377 101,837 98,183 98,221 103,769 105,492 LIABILITIES 50,017 60,669 60,187 85,258 81,407 81,637 86,938 88,547 Financial Liabilities Held for Trading 384 491 439 220 216 336 366 183 Financial Liabilities Designated at Fair 0 0 0 0 0 0 0 0 Value through Profit or Loss Deposit Liabilities 41,641 46,960 49,151 74,460 71,225 67,093 72,394 78,646 Peso Liabilities 27,839 33,687 37,587 63,082 57,306 53,212 56,803 59,304 Demand and NOW 11,288 13,518 13,590 22,111 23,714 22,726 22,839 22,950 Savings 6,393 9,725 12,585 13,575 8,790 8,949 9,798 11,265 Time 10,158 10,444 11,412 27,396 24,801 21,537 24,166 25,089 LTNCD 0 0 0 0 0 0 0 0 Foreign Currency 13,802 13,273 11,564 11,378 13,919 13,882 15,590 19,341 Bills Payable 4,025 10,513 7,679 7,140 5,819 8,582 8,992 4,878 Deposits Substitutes 0 0 0 0 0 0 0 0 Others 4,025 10,513 7,679 7,140 5,819 8,582 8,992 4,878 Special Financing 1 1 1 1 1 0 1 1 Unsecured Subordinated Debt 0 0 0 0 0 0 0 0 Redeemable Preferred Shares 0 0 0 0 0 0 0 0 Other liabilities 3,966 2,704 2,918 3,437 4,145 5,625 5,185 4,839 TOTAL CAPITAL ACCOUNTS 9,085 11,145 12,190 16,579 16,777 16,585 16,831 16,946 Capital Stock 7,778 9,264 9,249 13,326 13,326 13,326 13,326 13,326 Assigned Capital 0 0 0 0 0 0 0 0 Net Due to Head Office 0 0 0 0 0 0 0 0 Other Equity Instruments 0 0 0 0 0 0 0 0 Retained Earnings & Undivided Profits 2/ 1,307 1,880 2,942 3,254 3,451 3,259 3,505 3,620

II. 14 Table 2.b BALANCE SHEET Thrift Banks 2010 - 2014 In Million Pesos

2014 Accounts 2010 2011 2012 2013 3.31 6.30 9.30 12.31 TOTAL ASSETS 606,451 607,431 666,168 771,380 791,012 819,103 831,383 880,970 Cash and Due from banks 77,963 84,943 89,118 162,881 138,615 144,680 150,038 191,171 Financial Assets, gross (net of amortization) 104,027 90,562 86,133 69,508 71,260 76,244 73,639 79,662 Accumulated Market Gains/Losses 697 4,558 1,304 (2,295) (1,246) (89) (898) 62 Financial Assets, gross (net of amortization and Market Gains/Losses) 104,724 95,119 87,437 67,213 70,014 76,155 72,740 79,724 Allowance for Credit Losses 585 523 571 597 536 488 457 457 Financial Assets, gross (net of amortization and credit losses) 104,139 94,596 86,866 66,616 69,477 75,667 72,283 79,267 Loans, gross 1/ 361,928 387,520 449,262 508,199 547,791 562,850 575,778 576,057 Allowance for probable losses 16,568 16,734 18,095 20,107 18,771 19,088 19,375 19,468 Loans, net (inclusive of IBL) 345,360 370,786 431,168 488,092 529,020 543,762 556,403 556,589 Equity Investments gross 4,094 4,407 3,921 2,386 2,392 2,422 1,596 1,480 Allowance for probable losses 251 216 237 246 246 246 246 246 Equity Investments, net 3,842 4,191 3,684 2,140 2,147 2,176 1,350 1,234 Real and Other Properties Acquired, net 28,460 21,573 18,668 18,949 19,390 19,319 18,488 18,864 Other assets 46,687 31,342 36,664 32,701 32,363 33,499 32,821 33,845 LIABILITIES AND CAPITAL 606,451 607,431 666,168 771,380 791,012 819,103 831,383 880,970 LIABILITIES 539,673 533,019 585,087 685,813 701,814 726,503 736,057 772,180 Financial Liabilities Held for Trading 29 0 0 1 0 0 4 0 Financial Liabilities Designated at Fair 0 0 0 0 0 0 0 0 Value through Profit or Loss Deposit Liabilities 490,629 495,159 529,802 632,431 639,744 667,085 668,037 699,874 Peso Liabilities 441,023 442,116 482,562 588,153 595,368 623,270 623,036 654,756 Demand and NOW 44,939 46,104 42,935 60,424 56,644 58,740 57,286 59,244 Savings 146,913 133,141 142,354 194,941 218,805 224,752 212,362 220,430 Time 249,171 262,870 297,272 332,788 319,919 339,778 353,388 375,082 LTNCD 0 0 0 0 0 0 0 0 Foreign Currency 49,606 53,043 47,240 44,278 44,375 43,815 45,001 45,118 Bills Payable 19,318 17,398 27,173 23,652 27,143 21,131 30,264 36,446 Deposits Substitutes 0 0 0 0 0 50 0 0 Others 19,318 17,398 27,173 23,652 27,143 21,081 30,264 36,446 Special Financing 0 0 0 0 0 0 0 0 Unsecured Subordinated Debt 3,787 1,812 5,435 5,440 5,321 8,293 8,295 7,772 Redeemable Preferred Shares 121 131 132 132 132 782 782 782 Other liabilities 25,789 18,518 22,545 24,158 29,475 29,212 28,676 27,306 TOTAL CAPITAL ACCOUNTS 66,779 74,412 81,081 85,567 89,198 92,600 95,326 108,789 Capital Stock 49,544 45,118 51,403 54,893 58,896 59,794 60,096 70,151 Assigned Capital 0 0 0 0 0 0 0 0 Net Due to Head Office 0 0 0 0 0 0 0 0 Other Equity Instruments 0 0 1,206 0 0 125 125 125 Retained Earnings & Undivided Profits 2/ 17,234 29,294 28,472 28,888 30,302 32,681 35,104 38,513

II. 15 Table 2.c BALANCE SHEET Rural and Cooperative Banks 2010 - 2014 In Million Pesos

2014 Accounts 2010 2011 2012 2013 3.31 6.30 9.30 12.31 TOTAL ASSETS 180,128 186,767 189,738 202,327 209,405 206,875 210,718 218,382 Cash and Due from banks 38,036 38,819 38,471 45,223 45,905 46,646 46,755 50,666 Financial Assets, gross (net of amortization) 10,067 9,917 9,414 10,811 10,765 11,504 12,687 12,529 Accumulated Market Gains/Losses 30 134 162 394 139 217 196 255 Financial Assets, gross (net of amortization and Market Gains/Losses) 10,096 10,050 9,576 11,204 10,903 11,721 12,882 12,783 Allowance for Credit Losses 472 455 457 436 446 408 342 325 Financial Assets, gross (net of amortization and credit losses) 9,624 9,596 9,119 10,768 10,458 11,313 12,540 12,458 Loans, gross 1/ 116,090 122,000 128,579 131,788 137,889 132,888 134,611 138,436 Allowance for probable losses 6,670 7,212 10,211 10,327 10,612 10,240 9,486 9,563 Loans, net (inclusive of IBL) 109,420 114,788 118,368 121,461 127,277 122,647 125,125 128,873 Equity Investments gross 100 168 139 113 101 107 154 154 Allowance for probable losses 8 0 9 0 0 0 0 0 Equity Investments, net 92 168 130 113 101 107 154 153 Real and Other Properties Acquired, net 8,847 9,567 9,497 11,071 11,174 11,138 10,962 10,890 Other assets 14,109 13,830 14,153 13,691 14,490 15,023 15,181 15,343 LIABILITIES AND CAPITAL 180,128 186,767 189,738 202,327 209,405 206,875 210,718 218,382 LIABILITIES 149,931 154,604 156,421 165,658 171,976 168,405 170,895 177,698 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 121,174 125,307 126,355 138,911 145,003 141,136 142,659 144,052 Peso Liabilities 121,108 125,252 126,291 138,829 144,914 141,051 142,571 143,964 Demand and NOW 3,566 4,298 3,826 4,185 4,500 4,570 4,154 4,724 Savings 79,110 77,652 77,164 85,985 90,867 86,444 86,268 86,776 Time 38,286 43,198 45,186 48,625 49,515 50,003 52,134 52,463 LTNCD 146 104 115 34 33 34 15 1 Foreign Currency 66 55 64 82 89 85 88 88 Bills Payable 19,026 19,328 18,584 16,287 15,676 16,254 16,969 22,325 Deposits Substitutes 0 4 0 0 0 111 99 160 Others 19,026 19,325 18,584 16,287 15,676 16,143 16,870 22,165 Special Financing 62 215 214 52 65 62 35 25 Unsecured Subordinated Debt 702 603 583 359 309 309 196 159 Redeemable Preferred Shares 332 256 220 188 193 179 178 154 Other liabilities 8,635 8,896 10,465 9,861 10,731 10,465 10,857 10,983 TOTAL CAPITAL ACCOUNTS 30,197 32,163 33,318 36,668 37,429 38,470 39,823 40,684 Capital Stock 19,308 21,340 22,418 24,930 25,069 25,479 25,170 25,418 Assigned Capital 4 0 0 0 0 0 0 0 Net Due to Head Office 0 0 0 0 0 0 0 0 Other Equity Instruments 34 16 94 3 3 4 3 40 Retained Earnings & Undivided Profits 2/ 10,850 10,807 10,806 11,212 12,356 12,987 14,650 14,650

II. 16 Table 3 PUBLISHED BALANCE SHEET Universal, Commercial and Thrift Banks As of December 31, 2014 In Million Pesos

UNIVERSAL AND ACCOUNTS TOTAL THRIFT BANKS COMMERCIAL BANKS

ASSETS Cash and Cash Items 230,573 213,789 16,784 Due from Bangko Sentral ng Pilipinas 1,854,827 1,717,335 137,492 Due from Other Banks 341,880 305,938 35,943 Financial Assets at Fair Value through Profit or Loss 327,771 313,274 14,497 Available-for-Sale Financial Assets, Net 1,003,496 978,484 25,012 Held-to-Maturity (HTM) Financial Assets, Net 821,106 785,859 35,247 Unquoted Debt Securities Classified as Loans, Net 86,295 81,864 4,431 Investments in Non-Marketable Equity Security, Net 15,556 15,478 78 Loans and Receivables, Net 5,541,963 4,985,342 556,621 Loans to Bangko Sentral ng Pilipinas 0 0 0 Interbank Loans Receivable 245,078 241,543 3,535 Loans and Receivables - Others 5,021,727 4,469,323 552,404 Loans and Receivables Arising from RA/CA/PR/SLB 335,374 329,251 6,123 General Loan Loss Provision 60,217 54,775 5,441 Other Financial Assets 72,141 64,022 8,119 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 201,287 200,053 1,234 Bank Premises, Furniture, Fixture and Equipment, Net 110,719 98,754 11,966 Real and Other Properties Acquired, Net 68,425 54,203 14,222 Non-Current Assets Held for Sale 2,339 1,538 801 Other Assets, Net 271,327 253,696 17,631 Net Due from Head Office/Branches/Agencies, if any (Philippine branch of a foreign bank) 0 0 0 TOTAL ASSETS 10,949,707 10,069,630 880,077

LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 56,194 56,193 0 Deposit Liabilities 8,380,501 7,680,627 699,874 Due to Other Banks 38,358 38,357 0 Bills Payable 495,324 458,877 36,446 a) BSP (Rediscounting and Other Advances) 2,344 1,919 425 b) Interbank Loans Payable 229,504 210,281 19,223 c) Other Deposit Substitutes 195,243 195,243 0 d) Others 68,233 51,435 16,798 Bonds Payable, Net 63,615 63,615 0 Unsecured Subordinated Debt, Net 109,731 101,959 7,772 Redeemable Preferred Shares 782 0 782 Special Time Deposit 0 0 0 Due to Bangko Sentral ng Pilipinas 412 410 2 Other Financial Liabilities 119,796 111,485 8,311 Other Liabilities 309,489 290,517 18,972 Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign bank) 178,311 178,311 0 TOTAL LIABILITIES 9,752,512 8,980,353 772,159

STOCKHOLDERS' EQUITY Capital Stock 581,050 515,021 66,030 Other Capital Accounts 135,558 124,659 10,899 Retained Earnings 420,312 389,322 30,989 Assigned Capital 60,276 60,276 0 TOTAL STOCKHOLDERS' EQUITY 1,197,195 1,089,277 107,918

10,949,707 10,069,630 880,077 TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY

II. 17 Table 3 PUBLISHED BALANCE SHEET Universal, Commercial and Thrift Banks As of December 31, 2014 In Million Pesos

UNIVERSAL AND ACCOUNTS TOTAL THRIFT BANKS COMMERCIAL BANKS

CONTINGENT ACCOUNTS Guarantees Issued 18,620 18,577 43 Financial Standby Letters of Credit 24,501 24,338 164 Performance Standby Letters of Credit 173,681 173,195 486 Commercial Letters of Credit 87,674 87,227 447 Trade Related Guarantees 22,994 22,956 38 Commitments 769,316 765,093 4,223 Spot Foreign Exchange Contracts 132,746 131,937 809 Securities Held Under Custodianship by Bank Proper 1,157,687 1,157,687 0 Trust Department Accounts 2,529,603 2,499,435 30,168 a) Trust and Other Fiduciary Accounts 1,921,897 1,899,396 22,501 b) Agency Accounts 607,703 600,036 7,667 c) Advisory/Consultancy 3 3 0 Derivatives 2,882,171 2,880,329 1,842 Others 586,881 585,985 896 TOTAL CONTINGENT ACCOUNTS 8,385,874 8,346,758 39,116

ADDITIONAL INFORMATION Gross Total Loan Portfolio (TLP) 5,693,990 5,117,884 576,106 Specific allowance for credit losses on the TLP 91,810 77,766 14,044 Non-Performing Loans (NPL) a. Gross NPLs 118,489 93,055 25,433 b. Ratio of gross NPLs to gross TLP (%) c. Net NPLs 34,629 23,205 11,424 d. Ratio of Net NPLs to gross TLP (%)

Classified Loans & Other Risk Assets, gross of allowance for credit losses 383,549 325,309 58,240

DOSRI Loans and receivables, gross of allowance for credit losses 225,587 219,934 5,653 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP (%) Gross non-performing DOSRI loans and receivables 15,051,251 15,050,855 396 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 12,125 10,321 1,803

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

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

II. 18 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2014 In Million Pesos

CLASSIFIED BY NATURE OF OPERATION

ACCOUNTS TOTAL UNIVERSAL BANKS COMMERCIAL BANKS

ASSETS Cash and Cash Items 213,789 204,125 9,664 Due from Bangko Sentral ng Pilipinas 1,717,335 1,503,229 214,106 Due from Other Banks 305,938 260,555 45,383 Financial Assets at Fair Value through Profit or Loss 313,274 218,052 95,222 Available-for-Sale Financial Assets, Net 978,484 874,221 104,264 Held-to-Maturity (HTM) Financial Assets, Net 785,859 765,089 20,770 Unquoted Debt Securities Classified as Loans, Net 81,864 74,370 7,494 Investments in Non-Marketable Equity Security, Net 15,478 15,080 398 Loans and Receivables, Net 4,985,342 4,615,363 369,980 Loans to Bangko Sentral ng Pilipinas 0 0 0 Interbank Loans Receivable 241,543 202,741 38,802 Loans and Receivables - Others 4,469,323 4,165,836 303,487 Loans and Receivables Arising from RA/CA/PR/SLB 329,251 296,548 32,703 General Loan Loss Provision 54,775 49,762 5,013 Other Financial Assets 64,022 56,896 7,127 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 200,053 198,103 1,950 Bank Premises, Furniture, Fixture and Equipment, Net 98,754 91,082 7,672 Real and Other Properties Acquired, Net 54,203 48,755 5,448 Non-Current Assets Held for Sale 1,538 1,339 199 Other Assets, Net 253,696 219,169 34,527 Net Due from Head Office/Branches/Agencies, if any (Philippine branch of a foreign bank) 0 0 0 TOTAL ASSETS 10,069,630 9,145,428 924,202

LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 56,193 48,535 7,658 Deposit Liabilities 7,680,627 7,024,202 656,425 Due to Other Banks 38,357 1,717 36,641 Bills Payable 458,877 448,029 10,849 a) BSP (Rediscounting and Other Advances) 1,919 1,919 0 b) Interbank Loans Payable 210,281 202,697 7,584 c) Other Deposit Substitutes 195,243 192,133 3,110 d) Others 51,435 51,279 156 Bonds Payable, Net 63,615 63,615 0 Unsecured Subordinated Debt, Net 101,959 101,959 0 Redeemable Preferred Shares 0 0 0 Special Time Deposit 0 0 0 Due to Bangko Sentral ng Pilipinas 410 406 4 Other Financial Liabilities 111,485 97,938 13,548 Other Liabilities 290,517 254,212 36,305 Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign bank) 178,311 104,633 73,678 TOTAL LIABILITIES 8,980,353 8,145,245 835,108

STOCKHOLDERS' EQUITY Capital Stock 515,021 460,813 54,208 Other Capital Accounts 124,659 121,565 3,094 Retained Earnings 389,322 387,211 2,111 Assigned Capital 60,276 30,594 29,682 TOTAL STOCKHOLDERS' EQUITY 1,089,277 1,000,183 89,094

10,069,630 9,145,428 924,202 TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY

II. 19 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2014 In Million Pesos

CLASSIFIED BY NATURE OF OPERATION

ACCOUNTS TOTAL UNIVERSAL BANKS COMMERCIAL BANKS

CONTINGENT ACCOUNTS Guarantees Issued 18,577 16,950 1,627 Financial Standby Letters of Credit 24,338 18,789 5,549 Performance Standby Letters of Credit 173,195 155,265 17,930 Commercial Letters of Credit 87,227 84,915 2,312 Trade Related Guarantees 22,956 20,204 2,752 Commitments 765,093 597,415 167,678 Spot Foreign Exchange Contracts 131,937 104,697 27,240 Securities Held Under Custodianship by Bank Proper 1,157,687 884,221 273,466 Trust Department Accounts 2,499,435 2,227,509 271,926 a) Trust and Other Fiduciary Accounts 1,899,396 1,688,281 211,116 b) Agency Accounts 600,036 539,228 60,807 c) Advisory/Consultancy 3 0 3 Derivatives 2,880,329 2,530,247 350,082 Others 585,985 565,527 20,458 TOTAL CONTINGENT ACCOUNTS 8,346,758 7,205,738 1,141,020

ADDITIONAL INFORMATION Gross Total Loan Portfolio (TLP) 5,117,884 4,732,132 385,752 Specific allowance for credit losses on the TLP 77,766 67,007 10,760 Non-Performing Loans (NPL) a. Gross NPLs 93,055 81,613 11,442 b. Ratio of gross NPLs to gross TLP (%) c. Net NPLs 23,205 20,194 3,011 d. Ratio of Net NPLs to gross TLP (%) Classified Loans & Other Risk Assets, gross of allowance for credit losses 325,309 251,353 73,956 DOSRI Loans and receivables, gross of allowance for credit losses 219,934 218,869 1,064 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP (%) Gross non-performing DOSRI loans and receivables 15,050,855 14,831,735 219,120 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 0 0 0 a. Total CAR (%) b. Tier 1 CAR (%) Deferred Charges not yet Written Down 10,321 9,910 412 0 0 0 Unbooked Allowance for Credit Losses on Financial Instruments Received

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

II. 20 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2014 In Million Pesos

CLASSIFIED BY OWNERSHIP

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

ASSETS Cash and Cash Items 181,448 26,992 3,219 2,130 Due from Bangko Sentral ng Pilipinas 1,154,253 333,624 215,218 14,240 Due from Other Banks 200,615 23,134 74,979 7,210 Financial Assets at Fair Value through Profit or Loss 163,818 18,432 128,917 2,108 Available-for-Sale Financial Assets, Net 659,225 242,797 72,610 3,852 Held-to-Maturity (HTM) Financial Assets, Net 616,025 163,341 1,372 5,122 Unquoted Debt Securities Classified as Loans, Net 28,650 52,370 613 230 Investments in Non-Marketable Equity Security, Net 1,485 13,934 44 16 Loans and Receivables, Net 3,938,194 608,675 373,449 65,025 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivable 126,064 59,763 55,264 453 Loans and Receivables - Others 3,656,458 494,113 253,471 65,281 Loans and Receivables Arising from RA/CA/PR/SLB 196,926 63,117 69,208 0 General Loan Loss Provision 41,254 8,318 4,495 709 Other Financial Assets 49,882 9,696 3,426 1,019 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 193,452 4,381 2,220 0 Bank Premises, Furniture, Fixture and Equipment, Net 87,832 7,560 2,497 863 Real and Other Properties Acquired, Net 48,239 5,592 7 365 Non-Current Assets Held for Sale 771 767 0 0 Other Assets, Net 212,669 15,894 21,821 3,312 Net Due from Head Office/Branches/Agencies, if any (Philippine branch of a foreign bank) 0 0 0 0 TOTAL ASSETS 7,536,559 1,527,189 900,390 105,492

LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 41,109 172 14,730 183 Deposit Liabilities 5,856,550 1,208,069 537,362 78,646 Due to Other Banks 667 9 37,682 0 Bills Payable 339,758 105,434 8,806 4,879 a) BSP (Rediscounting and Other Advances) 1,821 98 0 0 b) Interbank Loans Payable 133,100 65,258 7,044 4,878 c) Other Deposit Substitutes 188,650 6,592 0 1 d) Others 16,187 33,487 1,762 0 Bonds Payable, Net 50,248 13,367 0 0 Unsecured Subordinated Debt, Net 75,832 26,127 0 0 Redeemable Preferred Shares 0 0 0 0 Special Time Deposit 0 0 0 0 Due to Bangko Sentral ng Pilipinas 119 257 34 0 Other Financial Liabilities 70,114 22,508 17,655 1,208 Other Liabilities 221,314 32,984 32,588 3,631 Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign bank) 0 0 178,311 0 TOTAL LIABILITIES 6,655,712 1,408,926 827,168 88,547

STOCKHOLDERS' EQUITY Capital Stock 475,932 25,476 271 13,341 Other Capital Accounts 86,073 35,099 3,194 291 Retained Earnings 318,842 57,687 9,481 3,313 Assigned Capital 0 0 60,276 0 TOTAL STOCKHOLDERS' EQUITY 880,847 118,262 73,222 16,946

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 7,536,559 1,527,189 900,390 105,492

II. 21 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2014 In Million Pesos

CLASSIFIED BY OWNERSHIP

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

CONTINGENT ACCOUNTS Guarantees Issued 13,960 22 4,098 497 Financial Standby Letters of Credit 7,444 6,939 9,910 45 Performance Standby Letters of Credit 118,680 1,961 50,446 2,108 Commercial Letters of Credit 60,745 20,886 4,986 610 Trade Related Guarantees 16,187 159 5,783 827 Commitments 343,861 79,998 341,235 0 Spot Foreign Exchange Contracts 63,704 1,588 64,091 2,554 Securities Held Under Custodianship by Bank Proper 0 0 1,157,687 0 Trust Department Accounts 2,094,096 118,625 281,179 5,536 a) Trust and Other Fiduciary Accounts 1,552,467 79,050 266,400 1,480 b) Agency Accounts 541,629 39,575 14,776 4,056 c) Advisory/Consultancy 0 0 3 0 Derivatives 1,669,202 33,257 1,142,524 35,345 Others 158,986 22,608 386,072 18,320 TOTAL CONTINGENT ACCOUNTS 4,546,863 286,041 3,448,011 65,842

ADDITIONAL INFORMATION Gross Total Loan Portfolio (TLP) 4,040,225 625,554 385,579 66,526 Specific allowance for credit losses on the TLP 60,777 8,561 7,635 793 Non-Performing Loans (NPL) a. Gross NPLs 71,728 12,337 7,062 1,929 b. Ratio of gross NPLs to gross TLP (%) c. Net NPLs 16,271 3,775 2,023 1,136 d. Ratio of Net NPLs to gross TLP (%) Classified Loans & Other Risk Assets, gross of allowance for credit losses 254,545 26,052 42,323 2,389 DOSRI Loans and receivables, gross of allowance for credit losses 107,721 111,593 580 40 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP (%) Gross non-performing DOSRI loans and receivables 14,494,417 556,438 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 10,321 0 0 0 0 0 0 0 Unbooked Allowance for Credit Losses on Financial Instruments Received

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

II. 22 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2014 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 3,984 2,326 37,344 0 Due from Bangko Sentral ng Pilipinas 17,864 49,199 170,648 10,118 Due from Other Banks 1,523 7,980 15,461 1,906 Financial Assets at Fair Value through Profit or Loss 412 353 42,568 2,084 Available-for-Sale Financial Assets, Net 18,854 27,739 41,093 17,632 Held-to-Maturity (HTM) Financial Assets, Net 1,611 0 189,974 0 Unquoted Debt Securities Classified as Loans, Net 1,975 0 0 0 Investments in Non-Marketable Equity Security, Net 16 175 59 6 Loans and Receivables, Net 68,222 40,811 622,092 5,644 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivable 352 1,259 5,231 0 Loans and Receivables - Others 68,551 40,208 623,517 5,703 Loans and Receivables Arising from RA/CA/PR/SLB 0 0 0 0 General Loan Loss Provision 680 656 6,656 59 Other Financial Assets 792 1,757 6,062 1,161 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 1,011 53 40,064 0 Bank Premises, Furniture, Fixture and Equipment, Net 1,477 1,494 9,274 63 Real and Other Properties Acquired, Net 689 2,387 2,126 0 Non-Current Assets Held for Sale 0 199 75 0 Other Assets, Net 4,412 4,656 19,015 266 Net Due from Head Office/Branches/Agencies, if any (Philippine branch of a foreign bank) 0 0 0 0 TOTAL ASSETS 122,843 139,128 1,195,854 38,878

LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 385 0 34,846 1,000 Deposit Liabilities 94,711 119,586 952,751 30,954 Due to Other Banks 0 0 245 0 Bills Payable 4,340 1 26,288 0 a) BSP (Rediscounting and Other Advances) 0 0 0 0 b) Interbank Loans Payable 470 0 22,315 0 c) Other Deposit Substitutes 3,233 0 3,748 0 d) Others 638 1 225 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 908 950 10,482 909 Other Liabilities 2,431 3,003 32,683 226 Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign bank) 0 0 0 0 TOTAL LIABILITIES 102,776 123,540 1,057,296 33,089

STOCKHOLDERS' EQUITY Capital Stock 9,858 19,973 68,532 2,165 Other Capital Accounts 258 (99) 13,593 377 Retained Earnings 9,951 (4,285) 56,433 3,247 Assigned Capital 0 0 0 0 TOTAL STOCKHOLDERS' EQUITY 20,067 15,589 138,558 5,789

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 122,843 139,128 1,195,854 38,878

II. 23 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2014 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 322 92 317 0 Financial Standby Letters of Credit 0 241 3,154 0 Performance Standby Letters of Credit 4,129 4 1,738 0 Commercial Letters of Credit 980 14 7,289 0 Trade Related Guarantees 173 0 883 0 Commitments 0 0 73,339 219 Spot Foreign Exchange Contracts 1,621 1,565 4,540 13 Securities Held Under Custodianship by Bank Proper 0 0 0 0 Trust Department Accounts 10,844 20,617 522,056 219,945 a) Trust and Other Fiduciary Accounts 10,844 4,227 369,919 192,279 b) Agency Accounts 0 16,390 152,137 27,666 c) Advisory/Consultancy 0 0 0 0 Derivatives 13,345 0 535,023 48,661 Others 55,278 280 20,385 0 TOTAL CONTINGENT ACCOUNTS 86,693 22,813 1,168,725 268,838

ADDITIONAL INFORMATION Gross Total Loan Portfolio (TLP) 69,361 43,433 633,893 5,734 Specific allowance for credit losses on the TLP 458 1,966 5,145 32 Non-Performing Loans (NPL) a. Gross NPLs 461 2,574 7,352 0 b. Ratio of gross NPLs to gross TLP (%) 0.66 5.92 1.15 0.00 c. Net NPLs 2 609 2,207 d. Ratio of Net NPLs to gross TLP (%) 0.00 1.40 0.34 Classified Loans & Other Risk Assets, gross of allowance for credit losses 3,823 28,941 16,342 710 DOSRI Loans and receivables, gross of allowance for credit losses 89 5 18,245 0 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP (%) 0.12 0.01 2.87 0.00 Gross non-performing DOSRI loans and receivables 0 0 9,088,598 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 8.18 0.71 6.48 0.00 b. 2% for Medium Enterprises 3.33 2.57 9.46 0.00 Return on Equity (ROE) (%) 8.69 3.18 14.67 6.87

Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 15.57 22.10 13.57 26.90 b. Tier 1 CAR (%) 15.01 21.16 12.69 26.62 Deferred Charges not yet Written Down 0 412 0 0 Unbooked Allowance for Credit Losses on Financial Instruments Received 0 0 0 0

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

Source: Supervisory Data Center, Supervision and Examination Sector

II. 24 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2014 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 44,643 9,379 5,811 30,733 Due from Bangko Sentral ng Pilipinas 258,412 60,279 22,971 174,259 Due from Other Banks 43,164 15,837 3,476 25,583 Financial Assets at Fair Value through Profit or Loss 5,060 8,012 10,293 29,850 Available-for-Sale Financial Assets, Net 187,717 37,056 14 179,062 Held-to-Maturity (HTM) Financial Assets, Net 0 11,354 8,795 110,777 Unquoted Debt Securities Classified as Loans, Net 6,492 1,000 209 163 Investments in Non-Marketable Equity Security, Net 320 53 0 155 Loans and Receivables, Net 1,160,435 243,544 114,760 681,483 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivable 39,213 224 2,893 13,399 Loans and Receivables - Others 1,048,831 246,234 112,865 578,591 Loans and Receivables Arising from RA/CA/PR/SLB 86,054 0 0 95,042 General Loan Loss Provision 13,663 2,913 998 5,548 Other Financial Assets 9,340 2,253 1,084 5,707 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 23,765 4,099 521 51,778 Bank Premises, Furniture, Fixture and Equipment, Net 22,426 3,150 3,351 10,742 Real and Other Properties Acquired, Net 6,821 988 887 5,312 Non-Current Assets Held for Sale 377 0 0 0 Other Assets, Net 43,892 10,180 12,029 30,493 Net Due from Head Office/Branches/Agencies, if any (Philippine branch of a foreign bank) 0 0 0 0 TOTAL ASSETS 1,812,864 407,184 184,201 1,336,097

LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 601 102 101 3,054 Deposit Liabilities 1,462,687 341,246 143,174 1,050,428 Due to Other Banks 1 4 0 0 Bills Payable 57,901 5,178 5,396 62,345 a) BSP (Rediscounting and Other Advances) 51 0 0 0 b) Interbank Loans Payable 21,331 5,165 2,024 22,097 c) Other Deposit Substitutes 22,765 0 3,372 40,248 d) Others 13,754 12 0 0 Bonds Payable, Net 26,784 0 0 0 Unsecured Subordinated Debt, Net 10,000 0 6,464 22,344 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 16,875 2,053 1,970 7,165 Other Liabilities 58,955 6,038 6,351 46,977 Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign bank) 0 0 0 0 TOTAL LIABILITIES 1,633,804 354,621 163,456 1,192,314

STOCKHOLDERS' EQUITY Capital Stock 104,847 24,152 12,263 68,267 Other Capital Accounts 23,089 689 1,622 3,062 Retained Earnings 51,124 27,722 6,861 72,454 Assigned Capital 0 0 0 0 TOTAL STOCKHOLDERS' EQUITY 179,060 52,563 20,746 143,783

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 1,812,864 407,184 184,201 1,336,097

II. 25 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2014 In Million Pesos

PRIVATE DOMESTIC BANKS

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

CONTINGENT ACCOUNTS Guarantees Issued 20 0 244 7,726 Financial Standby Letters of Credit 0 0 0 69 Performance Standby Letters of Credit 33,735 14,910 1,238 23,819 Commercial Letters of Credit 20,374 4,275 921 13,082 Trade Related Guarantees 3,667 929 941 844 Commitments 121,575 58 35,522 23,083 Spot Foreign Exchange Contracts 10,097 2,147 2,467 15,006 Securities Held Under Custodianship by Bank Proper 0 0 0 0 Trust Department Accounts 597,537 65,827 6,914 333,215 a) Trust and Other Fiduciary Accounts 441,391 32,766 6,914 236,035 b) Agency Accounts 156,146 33,060 0 97,180 c) Advisory/Consultancy 0 0 0 0 Derivatives 245,927 51,340 892 426,757 Others 11,434 4,097 4,142 8,233 TOTAL CONTINGENT ACCOUNTS 1,044,364 143,584 53,280 851,835

ADDITIONAL INFORMATION Gross Total Loan Portfolio (TLP) 1,188,875 249,954 117,705 693,943 Specific allowance for credit losses on the TLP 14,777 3,496 1,947 6,912 Non-Performing Loans (NPL) a. Gross NPLs 15,899 3,956 5,576 2,456 b. Ratio of gross NPLs to gross TLP (%) 1.33 1.58 4.73 0.35 c. Net NPLs 1,121 460 3,629 d. Ratio of Net NPLs to gross TLP (%) 0.09 0.18 3.08 Classified Loans & Other Risk Assets, gross of allowance for credit losses 57,717 12,055 7,616 17,712 DOSRI Loans and receivables, gross of allowance for credit losses 47,691 5,896 8,086 4,868 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP (%) 4.01 2.35 6.86 0.70 Gross non-performing DOSRI loans and receivables 563,117 0 47,084 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 2.22 3.61 1.42 3.21 b. 2% for Medium Enterprises 3.50 9.10 1.45 6.49 Return on Equity (ROE) (%) 13.29 9.67 8.26 14.69

Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 13.26 16.10 12.86 13.68 b. Tier 1 CAR (%) 11.44 15.18 8.98 9.89 Deferred Charges not yet Written Down 68 0 0 0 Unbooked Allowance for Credit Losses on Financial Instruments Received 0 0 0 0

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

Source: Supervisory Data Center, Supervision and Examination Sector

II. 26 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2014 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 1,158 14,520 990 648 Due from Bangko Sentral ng Pilipinas 12,508 95,415 31,907 24,719 Due from Other Banks 1,919 7,774 1,955 564 Financial Assets at Fair Value through Profit or Loss 685 6,760 0 683 Available-for-Sale Financial Assets, Net 43 55,583 43,480 10,551 Held-to-Maturity (HTM) Financial Assets, Net 13,700 21,745 5,148 0 Unquoted Debt Securities Classified as Loans, Net 5,267 3,778 0 1,645 Investments in Non-Marketable Equity Security, Net 0 128 0 144 Loans and Receivables, Net 26,523 279,878 35,652 10,539 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivable 289 4,834 0 1,320 Loans and Receivables - Others 26,623 277,616 26,495 9,322 Loans and Receivables Arising from RA/CA/PR/SLB 0 0 9,330 0 General Loan Loss Provision 390 2,572 172 103 Other Financial Assets 495 7,714 751 265 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 753 25,332 18 170 Bank Premises, Furniture, Fixture and Equipment, Net 2,024 14,753 2,553 759 Real and Other Properties Acquired, Net 424 14,670 2,813 2,186 Non-Current Assets Held for Sale 0 0 0 0 Other Assets, Net 6,587 30,398 1,010 2,472 Net Due from Head Office/Branches/Agencies, if any (Philippine branch of a foreign bank) 0 0 0 0 TOTAL ASSETS 72,086 578,449 126,277 55,345

LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 0 36 0 0 Deposit Liabilities 57,762 432,571 102,708 47,768 Due to Other Banks 0 392 0 0 Bills Payable 3,422 18,159 0 153 a) BSP (Rediscounting and Other Advances) 0 1,752 0 0 b) Interbank Loans Payable 313 1,127 0 0 c) Other Deposit Substitutes 3,109 14,091 0 0 d) Others 0 1,189 0 153 Bonds Payable, Net 0 0 0 0 Unsecured Subordinated Debt, Net 0 9,969 0 0 Redeemable Preferred Shares 0 0 0 0 Special Time Deposit 0 0 0 0 Due to Bangko Sentral ng Pilipinas 0 100 0 0 Other Financial Liabilities 359 5,690 166 576 Other Liabilities 2,314 20,456 253 891 Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign bank) 0 0 0 0 TOTAL LIABILITIES 63,856 487,375 103,128 49,388

STOCKHOLDERS' EQUITY Capital Stock 10,095 81,297 10,000 2,723 Other Capital Accounts 1,780 (2,912) 5,348 46 Retained Earnings (3,646) 12,690 7,801 3,189 Assigned Capital 0 0 0 0 TOTAL STOCKHOLDERS' EQUITY 8,230 91,074 23,149 5,957

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 72,086 578,449 126,277 55,345

II. 27 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2014 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 33 0 0 Financial Standby Letters of Credit 1,124 2,544 0 45 Performance Standby Letters of Credit 0 8,573 65 11 Commercial Letters of Credit 661 4,837 298 33 Trade Related Guarantees 596 599 1 0 Commitments 0 14,059 0 1 Spot Foreign Exchange Contracts 134 4,420 0 9 Securities Held Under Custodianship by Bank Proper 0 0 0 0 Trust Department Accounts 5,930 65,817 845 8,332 a) Trust and Other Fiduciary Accounts 1,403 51,334 845 8,332 b) Agency Accounts 4,527 14,483 0 0 c) Advisory/Consultancy 0 0 0 0 Derivatives 0 26,166 0 0 Others 126 22,729 74 (225) TOTAL CONTINGENT ACCOUNTS 8,571 149,778 1,283 8,206

ADDITIONAL INFORMATION Gross Total Loan Portfolio (TLP) 28,027 289,718 37,772 11,739 Specific allowance for credit losses on the TLP 1,115 7,268 1,948 1,097 Non-Performing Loans (NPL) a. Gross NPLs 1,587 9,921 1,115 1,643 b. Ratio of gross NPLs to gross TLP (%) 5.66 3.42 2.95 13.99 c. Net NPLs 472 2,653 546 d. Ratio of Net NPLs to gross TLP (%) 1.68 0.91 4.65 Classified Loans & Other Risk Assets, gross of allowance for credit losses 32 41,910 5,085 3,619 DOSRI Loans and receivables, gross of allowance for credit losses 26 13,740 985 41 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP 0.09 4.74 2.60 0.34 (%) Gross non-performing DOSRI loans and receivables 219,120 313,058 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 4.16 2.51 13.98 2.11 b. 2% for Medium Enterprises 9.94 5.92 5.94 6.79 Return on Equity (ROE) (%) 3.89 5.57 4.68 4.50

Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 16.03 15.38 36.62 24.27 b. Tier 1 CAR (%) 12.00 11.96 36.29 23.76 Deferred Charges not yet Written Down 0 0 0 0 Unbooked Allowance for Credit Losses on Financial Instruments Received 0 0 0 0

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

Source: Supervisory Data Center, Supervision and Examination Sector

II. 28 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2014 In Million Pesos

PRIVATE DOMESTIC BANKS

ACCOUNTS RIZAL COMM'L ROBINSONS BANK SECURITY BANK UNION BANK OF THE UNITED COCONUT BANKING CORP CORPORATION CORP PHILS PLANTERS BANK

ASSETS Cash and Cash Items 9,624 1,641 5,347 6,260 7,041 Due from Bangko Sentral ng Pilipinas 37,763 8,805 34,630 104,002 40,754 Due from Other Banks 15,535 1,464 39,047 15,441 1,986 Financial Assets at Fair Value through Profit or Loss 14,556 1,296 10,920 29,721 566 Available-for-Sale Financial Assets, Net 2,458 7,662 0 3,071 27,210 Held-to-Maturity (HTM) Financial Assets, Net 70,437 1,769 101,033 51,791 27,890 Unquoted Debt Securities Classified as Loans, Net 1,650 0 2,219 0 4,251 Investments in Non-Marketable Equity Security, Net 0 24 0 0 407 Loans and Receivables, Net 200,727 21,833 179,289 140,756 106,004 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 0 Interbank Loans Receivable 525 98 899 50,220 5,309 Loans and Receivables - Others 201,883 21,427 180,589 91,893 96,112 Loans and Receivables Arising from RA/CA/PR/SLB 0 500 0 0 6,000 General Loan Loss Provision 1,681 192 2,198 1,356 1,416 Other Financial Assets 3,093 454 3,716 3,051 2,187 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 14,204 760 5,502 10,370 15,051 Bank Premises, Furniture, Fixture and Equipment, Net 6,839 469 2,155 4,581 1,722 Real and Other Properties Acquired, Net 905 86 223 5,634 2,089 Non-Current Assets Held for Sale 0 0 47 74 0 Other Assets, Net 7,735 1,585 3,301 14,584 20,052 Net Due from Head Office/Branches/Agencies, if any (Philippine branch of a foreign bank) 0 0 0 0 0 TOTAL ASSETS 385,528 47,848 387,429 389,335 257,211

LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 291 0 583 98 14 Deposit Liabilities 248,021 39,389 239,330 282,202 211,259 Due to Other Banks 1 0 23 0 0 Bills Payable 36,837 0 79,498 29,073 11,166 a) BSP (Rediscounting and Other Advances) 0 0 0 19 0 b) Interbank Loans Payable 11,985 0 37,763 8,509 0 c) Other Deposit Substitutes 24,852 0 41,735 20,459 11,037 d) Others 0 0 0 86 129 Bonds Payable, Net 23,464 0 0 0 0 Unsecured Subordinated Debt, Net 9,921 0 9,933 7,200 0 Redeemable Preferred Shares 0 0 0 0 0 Special Time Deposit 0 0 0 0 0 Due to Bangko Sentral ng Pilipinas 19 0 0 0 0 Other Financial Liabilities 2,555 1,005 3,881 6,659 7,909 Other Liabilities 11,512 1,832 7,429 12,186 7,778 Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign bank) 0 0 0 0 0 TOTAL LIABILITIES 332,622 42,226 340,677 337,418 238,126

STOCKHOLDERS' EQUITY Capital Stock 28,907 5,639 9,325 16,403 1,485 Other Capital Accounts 10,070 (311) 7,265 7,945 14,251 Retained Earnings 13,928 294 30,162 27,569 3,350 Assigned Capital 0 0 0 0 0 TOTAL STOCKHOLDERS' EQUITY 52,906 5,622 46,752 51,917 19,086

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 385,528 47,848 387,429 389,335 257,211

II. 29 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2014 In Million Pesos

PRIVATE DOMESTIC BANKS

ACCOUNTS RIZAL COMM'L ROBINSONS BANK SECURITY BANK UNION BANK OF THE UNITED COCONUT BANKING CORP CORPORATION CORP PHILS PLANTERS BANK

CONTINGENT ACCOUNTS Guarantees Issued 4,440 2 0 766 0 Financial Standby Letters of Credit 0 11 0 256 0 Performance Standby Letters of Credit 11,838 0 14,652 2,202 1,764 Commercial Letters of Credit 200 109 5,692 663 1,316 Trade Related Guarantees 688 6 6,763 4 92 Commitments 20,200 4,452 34,659 15,932 762 Spot Foreign Exchange Contracts 12,117 2,288 2,887 4,391 0 Securities Held Under Custodianship by Bank Proper 0 0 0 0 0 Trust Department Accounts 66,114 9,462 35,706 32,936 91,997 a) Trust and Other Fiduciary Accounts 51,038 1,293 28,753 28,313 86,780 b) Agency Accounts 15,077 8,169 6,953 4,623 5,217 c) Advisory/Consultancy 0 0 0 0 0 Derivatives 45,586 2,631 241,617 31,258 0 Others 1,452 669 2,058 23,216 5,037 TOTAL CONTINGENT ACCOUNTS 162,635 19,629 344,034 111,625 100,968

ADDITIONAL INFORMATION Gross Total Loan Portfolio (TLP) 203,943 22,322 182,343 151,168 110,294 Specific allowance for credit losses on the TLP 1,534 297 856 9,056 2,874 Non-Performing Loans (NPL) a. Gross NPLs 2,140 544 1,181 9,906 5,416 b. Ratio of gross NPLs to gross TLP (%) 1.04 2.43 0.64 6.55 4.91 c. Net NPLs 606 248 325 851 2,543 d. Ratio of Net NPLs to gross TLP (%) 0.29 1.10 0.17 0.56 2.30 Classified Loans & Other Risk Assets, gross of allowance for credit losses 9,242 1,506 7,002 21,007 20,225 DOSRI Loans and receivables, gross of allowance for credit losses 5,345 852 514 1,089 249 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross 2.62 3.81 0.28 0.72 0.22 TLP (%) Gross non-performing DOSRI loans and receivables 1,130,986 0 0 0 3,132,454 Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0.00 0.00 0.00 0.00 0.00 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 2.66 5.00 1.66 5.45 4.15 b. 2% for Medium Enterprises 4.28 5.81 10.06 3.39 8.30 Return on Equity (ROE) (%) 9.11 2.24 16.38 15.78 11.94

Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 14.93 16.74 17.69 18.54 10.15 b. Tier 1 CAR (%) 10.82 16.05 13.47 14.23 10.15 Deferred Charges not yet Written Down 0 0 0 0 9,842 Unbooked Allowance for Credit Losses on Financial Instruments Received 0 0 0 0 0

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

Source: Supervisory Data Center, Supervision and Examination Sector

II. 30 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2014 In Million Pesos

GOVERNMENT BANKS

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

ASSETS Cash and Cash Items 15 2,736 24,240 Due from Bangko Sentral ng Pilipinas 429 103,893 229,302 Due from Other Banks 48 16,782 6,304 Financial Assets at Fair Value through Profit or Loss 0 3,619 14,813 Available-for-Sale Financial Assets, Net 0 58,746 184,051 Held-to-Maturity (HTM) Financial Assets, Net 9 68,306 95,026 Unquoted Debt Securities Classified as Loans, Net 0 39,123 13,248 Investments in Non-Marketable Equity Security, Net 1 6,643 7,290 Loans and Receivables, Net 186 159,442 449,048 Loans to Bangko Sentral ng Pilipinas 0 0 0 Interbank Loans Receivable 0 16,896 42,866 Loans and Receivables - Others 187 138,080 355,846 Loans and Receivables Arising from RA/CA/PR/SLB 0 6,727 56,390 General Loan Loss Provision 2 2,261 6,055 Other Financial Assets 1 2,582 7,112 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 0 1,576 2,805 Bank Premises, Furniture, Fixture and Equipment, Net 9 2,011 5,540 Real and Other Properties Acquired, Net 0 966 4,626 Non-Current Assets Held for Sale 0 571 196 Other Assets, Net 5 8,362 7,526 Net Due from Head Office/Branches/Agencies, if any (Philippine branch of a foreign bank) 0 0 0 TOTAL ASSETS 703 475,359 1,051,127

LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 0 126 45 Deposit Liabilities 294 293,532 914,243 Due to Other Banks 0 0 9 Bills Payable 0 85,193 20,241 a) BSP (Rediscounting and Other Advances) 0 0 98 b) Interbank Loans Payable 0 65,258 0 c) Other Deposit Substitutes 0 6,592 0 d) Others 0 13,343 20,143 Bonds Payable, Net 0 13,367 0 Unsecured Subordinated Debt, Net 0 15,627 10,500 Redeemable Preferred Shares 0 0 0 Special Time Deposit 0 0 0 Due to Bangko Sentral ng Pilipinas 0 0 257 Other Financial Liabilities 6 10,159 12,343 Other Liabilities 29 14,700 18,254 Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign bank) 0 0 0 TOTAL LIABILITIES 329 432,705 975,892

STOCKHOLDERS' EQUITY Capital Stock 1,005 12,500 11,971 Other Capital Accounts (25) 9,531 25,594 Retained Earnings (606) 20,623 37,670 Assigned Capital 0 0 0 TOTAL STOCKHOLDERS' EQUITY 374 42,654 75,235

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 703 475,359 1,051,127

II. 31 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2014 In Million Pesos

GOVERNMENT BANKS

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

CONTINGENT ACCOUNTS Guarantees Issued 0 0 22 Financial Standby Letters of Credit 0 3,717 3,221 Performance Standby Letters of Credit 0 332 1,629 Commercial Letters of Credit 0 9,886 11,000 Trade Related Guarantees 0 93 66 Commitments 0 16,342 63,656 Spot Foreign Exchange Contracts 0 380 1,207 Securities Held Under Custodianship by Bank Proper 0 0 0 Trust Department Accounts 0 37,772 80,853 a) Trust and Other Fiduciary Accounts 0 20,495 58,555 b) Agency Accounts 0 17,277 22,298 c) Advisory/Consultancy 0 0 0 Derivatives 0 10,048 23,209 Others 27 21,180 1,402 TOTAL CONTINGENT ACCOUNTS 27 99,749 186,265

ADDITIONAL INFORMATION Gross Total Loan Portfolio (TLP) 189 165,114 460,251 Specific allowance for credit losses on the TLP 1 3,412 5,148 Non-Performing Loans (NPL) a. Gross NPLs 1 5,514 6,821 b. Ratio of gross NPLs to gross TLP (%) 0.57 3.33 1.48 c. Net NPLs 2,102 1,673 d. Ratio of Net NPLs to gross TLP (%) 1.27 0.36 Classified Loans & Other Risk Assets, gross of allowance for credit losses 14 8,453 17,585 DOSRI Loans and receivables, gross of allowance for credit losses 0 39,111 72,482 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to 0.00 23.68 15.74 gross TLP (%) Gross non-performing DOSRI loans and receivables 0 0 556,438 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 11.75 3.51 10.37 b. 2% for Medium Enterprises 2.58 3.29 7.33 Return on Equity (ROE) (%) (6.53) 11.25 17.53 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 115.96 20.91 14.49 b. Tier 1 CAR (%) 115.38 13.38 11.34 Deferred Charges not yet Written Down 0 0 0

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

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

II. 32 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2014 In Million Pesos

FOREIGN BANK BRANCHES

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

ASSETS Cash and Cash Items 20 1 16 37 Due from Bangko Sentral ng Pilipinas 9,168 148 10,408 4,410 Due from Other Banks 2,449 231 2,985 2,241 Financial Assets at Fair Value through Profit or Loss 6,104 1 6 1 Available-for-Sale Financial Assets, Net 7,962 0 0 0 Held-to-Maturity (HTM) Financial Assets, Net 0 0 0 0 Unquoted Debt Securities Classified as Loans, Net 0 196 0 0 Investments in Non-Marketable Equity Security, Net 4 5 5 8 Loans and Receivables, Net 27,109 7,201 1,754 9,058 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivable 3,235 1,704 0 6,037 Loans and Receivables - Others 20,114 5,664 1,774 3,109 Loans and Receivables Arising from RA/CA/PR/SLB 4,000 0 0 0 General Loan Loss Provision 240 168 20 89 Other Financial Assets 234 14 7 716 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 0 0 0 0 Bank Premises, Furniture, Fixture and Equipment, Net 30 5 14 11 Real and Other Properties Acquired, Net 0 0 0 0 Non-Current Assets Held for Sale 0 0 0 0 Other Assets, Net 936 60 24 973 Net Due from Head Office/Branches/Agencies, if any (Philippine branch of a foreign bank) 0 0 0 0 TOTAL ASSETS 54,017 7,862 15,219 17,455

LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 1,014 1 4 0 Deposit Liabilities 24,786 2,530 11,632 9,133 Due to Other Banks 0 0 0 0 Bills Payable 6,294 0 0 0 a) BSP (Rediscounting and Other Advances) 0 0 0 0 b) Interbank Loans Payable 4,652 0 0 0 c) Other Deposit Substitutes 0 0 0 0 d) Others 1,643 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 19 2 2 0 Other Financial Liabilities 108 36 383 542 Other Liabilities 539 49 170 1,161 Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign bank) 16,927 2,126 932 3,924 TOTAL LIABILITIES 49,687 4,744 13,123 14,761

STOCKHOLDERS' EQUITY Capital Stock 0 0 0 0 Other Capital Accounts 104 23 0 352 Retained Earnings 0 0 0 0 Assigned Capital 4,225 3,095 2,096 2,342 TOTAL STOCKHOLDERS' EQUITY 4,329 3,118 2,096 2,695

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 54,017 7,862 15,219 17,455

II. 33 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2014 In Million Pesos

FOREIGN BANK BRANCHES

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

CONTINGENT ACCOUNTS Guarantees Issued 2,966 0 0 0 Financial Standby Letters of Credit 562 0 0 0 Performance Standby Letters of Credit 5,959 0 312 6,921 Commercial Letters of Credit 1,607 252 0 65 Trade Related Guarantees 30 2 5 12 Commitments 59,356 0 1 0 Spot Foreign Exchange Contracts 2,739 0 4,026 0 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 150,581 592 3,568 42,604 Others 1,135 45 48 194 TOTAL CONTINGENT ACCOUNTS 224,934 891 7,959 49,796

ADDITIONAL INFORMATION Gross Total Loan Portfolio (TLP) 27,372 7,406 1,774 9,209 Specific allowance for credit losses on the TLP 23 38 0 62 Non-Performing Loans (NPL) a. Gross NPLs 23 5 0 9 b. Ratio of gross NPLs to gross TLP (%) 0.08 0.06 0.00 0.09 c. Net NPLs 0 0 d. Ratio of Net NPLs to gross TLP (%) 0.00 0.00 Classified Loans & Other Risk Assets, gross of allowance for credit losses 37 5 6 9,509 DOSRI Loans and receivables, gross of allowance for credit losses 34 0 40 0 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to 0.12 0.00 2.26 0.00 gross TLP (%) Gross non-performing DOSRI loans and receivables 0 0 0 0 Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0.00 0.00 0.00 0.00 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 0.00 10.20 0.00 8.02 b. 2% for Medium Enterprises 0.19 4.28 0.00 3.72 Return on Equity (ROE) (%) 9.43 0.63 (2.99) 15.05 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 14.16 46.32 45.04 14.39 b. Tier 1 CAR (%) 13.60 45.36 44.59 13.61 Deferred Charges not yet Written Down 0 0 0 0

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

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

II. 34 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2014 In Million Pesos

FOREIGN BANK BRANCHES

ACCOUNTS HONGKONG & CITIBANK, N.A. DEUTSCHE BANK AG SHANGHAI BANKING ING BANK N.V. CORP

ASSETS Cash and Cash Items 1,649 376 918 6 Due from Bangko Sentral ng Pilipinas 48,590 11,013 62,167 8,368 Due from Other Banks 1,334 848 43,096 485 Financial Assets at Fair Value through Profit or Loss 84,052 19,826 7,757 4,838 Available-for-Sale Financial Assets, Net 33,495 0 24,776 1,350 Held-to-Maturity (HTM) Financial Assets, Net 0 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 108,775 15,843 55,055 19,897 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivable 23,304 19 4,918 1,114 Loans and Receivables - Others 77,382 7,869 50,723 7,872 Loans and Receivables Arising from RA/CA/PR/SLB 10,157 8,014 0 11,000 General Loan Loss Provision 2,067 58 587 90 Other Financial Assets 1,021 115 434 138 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 215 0 2,006 0 Bank Premises, Furniture, Fixture and Equipment, Net 1,572 41 125 52 Real and Other Properties Acquired, Net 0 0 0 0 Non-Current Assets Held for Sale 0 0 0 0 Other Assets, Net 14,434 608 3,280 228 Net Due from Head Office/Branches/Agencies, if any (Philippine branch of a foreign bank) 0 0 0 0 TOTAL ASSETS 295,137 48,671 199,614 35,362

LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 5,504 786 3,714 826 Deposit Liabilities 170,462 21,549 125,251 7,350 Due to Other Banks 36,641 0 436 0 Bills Payable 2 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 2 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 7,295 3,205 3,338 17 Other Liabilities 21,796 1,817 3,612 285 Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign bank) 40,027 18,494 49,030 14,924 TOTAL LIABILITIES 281,726 45,851 185,380 23,402

STOCKHOLDERS' EQUITY Capital Stock 271 0 0 0 Other Capital Accounts (20) 769 1,273 221 Retained Earnings 0 73 71 9,240 Assigned Capital 13,160 1,977 12,890 2,500 TOTAL STOCKHOLDERS' EQUITY 13,411 2,820 14,233 11,960

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 295,137 48,671 199,614 35,362

II. 35 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2014 In Million Pesos

FOREIGN BANK BRANCHES

ACCOUNTS HONGKONG & CITIBANK, N.A. DEUTSCHE BANK AG SHANGHAI BANKING ING BANK N.V. CORP

CONTINGENT ACCOUNTS Guarantees Issued 561 0 0 0 Financial Standby Letters of Credit 0 0 3,025 0 Performance Standby Letters of Credit 3,916 4,393 13,886 218 Commercial Letters of Credit 218 251 2,089 0 Trade Related Guarantees 1,285 1,243 1,025 0 Commitments 161,381 0 98,094 0 Spot Foreign Exchange Contracts 5,779 6,336 18,005 7,067 Securities Held Under Custodianship by Bank Proper 273,466 439,993 444,228 0 Trust Department Accounts 2,104 0 58,504 0 a) Trust and Other Fiduciary Accounts 2,101 0 43,728 0 b) Agency Accounts 0 0 14,776 0 c) Advisory/Consultancy 3 0 0 0 Derivatives 129,322 96,373 240,620 125,915 Others 951 888 382,689 2 TOTAL CONTINGENT ACCOUNTS 578,984 549,478 1,262,167 133,201

ADDITIONAL INFORMATION Gross Total Loan Portfolio (TLP) 116,078 16,178 56,233 19,989 Specific allowance for credit losses on the TLP 5,235 276 592 2 Non-Performing Loans (NPL) a. Gross NPLs 3,127 0 1,327 0 b. Ratio of gross NPLs to gross TLP (%) 2.69 0.00 2.35 0.00 c. Net NPLs 735 d. Ratio of Net NPLs to gross TLP (%) 1.30 Classified Loans & Other Risk Assets, gross of allowance for credit losses 26,181 1,831 743 45 DOSRI Loans and receivables, gross of allowance for credit losses 0 0 429 0 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to 0.00 0.00 0.76 0.00 gross TLP (%) Gross non-performing DOSRI loans and receivables 0 0 0 0 Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0.00 0.00 0.00 0.00 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 9.03 0.00 0.00 0.00 b. 2% for Medium Enterprises 0.06 0.00 0.06 0.00 Return on Equity (ROE) (%) 7.47 14.40 3.01 1.95 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 13.54 22.80 14.51 52.18 b. Tier 1 CAR (%) 12.80 22.48 14.01 51.79 Deferred Charges not yet Written Down 0 0 0 0

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

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

II. 36 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2014 In Million Pesos

FOREIGN BANK BRANCHES

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

ASSETS Cash and Cash Items 1 43 10 10 Due from Bangko Sentral ng Pilipinas 23,311 1,846 1,197 6,186 Due from Other Banks 859 2,024 102 3,278 Financial Assets at Fair Value through Profit or Loss 3,373 0 402 23 Available-for-Sale Financial Assets, Net 3,289 0 0 0 Held-to-Maturity (HTM) Financial Assets, Net 0 47 0 1,193 Unquoted Debt Securities Classified as Loans, Net 0 50 66 262 Investments in Non-Marketable Equity Security, Net 5 6 0 6 Loans and Receivables, Net 23,050 3,878 9,889 21,221 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivable 0 0 3,891 6,484 Loans and Receivables - Others 1,023 3,909 6,140 15,078 Loans and Receivables Arising from RA/CA/PR/SLB 22,047 0 0 0 General Loan Loss Provision 20 32 142 342 Other Financial Assets 118 19 27 36 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 0 0 0 0 Bank Premises, Furniture, Fixture and Equipment, Net 155 31 155 192 Real and Other Properties Acquired, Net 0 0 0 0 Non-Current Assets Held for Sale 0 0 0 0 Other Assets, Net 55 14 12 77 Net Due from Head Office/Branches/Agencies, if any (Philippine branch of a foreign bank) 0 0 0 0 TOTAL ASSETS 54,215 7,958 11,861 32,484

LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 485 0 401 22 Deposit Liabilities 40,988 4,505 3,268 27,365 Due to Other Banks 0 0 0 0 Bills Payable 0 0 2,393 0 a) BSP (Rediscounting and Other Advances) 0 0 0 0 b) Interbank Loans Payable 0 0 2,393 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 10 Other Financial Liabilities 83 32 45 234 Other Liabilities 961 78 66 212 Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign bank) 10,216 2,033 3,655 1,860 TOTAL LIABILITIES 52,733 6,648 9,828 29,703

STOCKHOLDERS' EQUITY Capital Stock 0 0 0 0 Other Capital Accounts 94 110 213 81 Retained Earnings 0 0 0 0 Assigned Capital 1,388 1,200 1,821 2,700 TOTAL STOCKHOLDERS' EQUITY 1,482 1,310 2,034 2,781

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 54,215 7,958 11,861 32,484

II. 37 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2014 In Million Pesos

FOREIGN BANK BRANCHES

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

CONTINGENT ACCOUNTS Guarantees Issued 23 321 0 96 Financial Standby Letters of Credit 0 891 0 2,239 Performance Standby Letters of Credit 732 1,765 32 6,139 Commercial Letters of Credit 0 40 288 118 Trade Related Guarantees 18 0 0 110 Commitments 0 168 0 5,637 Spot Foreign Exchange Contracts 9,090 0 54 1,323 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 63,448 0 804 8,846 Others 0 0 25 14 TOTAL CONTINGENT ACCOUNTS 73,311 3,185 1,203 24,523

ADDITIONAL INFORMATION Gross Total Loan Portfolio (TLP) 23,070 3,957 10,109 21,583 Specific allowance for credit losses on the TLP 1 48 78 20 Non-Performing Loans (NPL) a. Gross NPLs 1 24 0 0 b. Ratio of gross NPLs to gross TLP (%) 0.00 0.59 0.00 0.00 c. Net NPLs 0 d. Ratio of Net NPLs to gross TLP (%) 0.00 Classified Loans & Other Risk Assets, gross of allowance for credit losses 1 439 619 409 DOSRI Loans and receivables, gross of allowance for credit losses 45 1 0 0 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to 0.19 0.01 0.00 0.00 gross TLP (%) Gross non-performing DOSRI loans and receivables 0 0 0 0 Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0.00 0.00 0.00 0.00 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 0.00 9.59 9.13 3.66 b. 2% for Medium Enterprises 0.00 28.58 4.09 0.00 Return on Equity (ROE) (%) (7.85) 5.45 4.48 3.63 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 29.85 18.91 20.30 12.55 b. Tier 1 CAR (%) 29.68 18.47 19.34 11.60 Deferred Charges not yet Written Down 0 0 0 0

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

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

II. 38 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2014 In Million Pesos

FOREIGN BANK BRANCHES

ACCOUNTS STANDARD CHARTERED THE BNK OF TOKYO- BANK MITSUBISHI UFJ LTD

ASSETS Cash and Cash Items 127 3 Due from Bangko Sentral ng Pilipinas 23,798 4,608 Due from Other Banks 482 14,562 Financial Assets at Fair Value through Profit or Loss 2,354 178 Available-for-Sale Financial Assets, Net 1,736 2 Held-to-Maturity (HTM) Financial Assets, Net 0 132 Unquoted Debt Securities Classified as Loans, Net 0 40 Investments in Non-Marketable Equity Security, Net 0 6 Loans and Receivables, Net 34,719 36,000 Loans to Bangko Sentral ng Pilipinas 0 0 Interbank Loans Receivable 4,111 447 Loans and Receivables - Others 16,891 35,921 Loans and Receivables Arising from RA/CA/PR/SLB 13,991 0 General Loan Loss Provision 274 368 Other Financial Assets 493 53 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 0 0 Bank Premises, Furniture, Fixture and Equipment, Net 58 56 Real and Other Properties Acquired, Net 7 0 Non-Current Assets Held for Sale 0 0 Other Assets, Net 1,044 75 Net Due from Head Office/Branches/Agencies, if any (Philippine branch of a foreign bank) 0 0 TOTAL ASSETS 64,818 55,716

LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 1,892 81 Deposit Liabilities 48,742 39,802 Due to Other Banks 605 0 Bills Payable 117 0 a) BSP (Rediscounting and Other Advances) 0 0 b) Interbank Loans Payable 0 0 c) Other Deposit Substitutes 0 0 d) Others 117 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 2,212 123 Other Liabilities 1,716 127 Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign bank) 3,399 10,766 TOTAL LIABILITIES 58,683 50,898

STOCKHOLDERS' EQUITY Capital Stock 0 0 Other Capital Accounts (264) 239 Retained Earnings 97 0 Assigned Capital 6,302 4,579 TOTAL STOCKHOLDERS' EQUITY 6,136 4,818

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 64,818 55,716

II. 39 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2014 In Million Pesos

FOREIGN BANK BRANCHES

ACCOUNTS STANDARD CHARTERED THE BNK OF TOKYO- BANK MITSUBISHI UFJ LTD

CONTINGENT ACCOUNTS Guarantees Issued 0 132 Financial Standby Letters of Credit 0 3,193 Performance Standby Letters of Credit 4,045 2,128 Commercial Letters of Credit 36 21 Trade Related Guarantees 2,051 0 Commitments 15,141 1,457 Spot Foreign Exchange Contracts 7,945 1,727 Securities Held Under Custodianship by Bank Proper 0 0 Trust Department Accounts 220,571 0 a) Trust and Other Fiduciary Accounts 220,571 0 b) Agency Accounts 0 0 c) Advisory/Consultancy 0 0 Derivatives 256,744 23,107 Others 56 26 TOTAL CONTINGENT ACCOUNTS 506,588 31,790

ADDITIONAL INFORMATION Gross Total Loan Portfolio (TLP) 36,253 36,368 Specific allowance for credit losses on the TLP 1,260 0 Non-Performing Loans (NPL) a. Gross NPLs 2,548 0 b. Ratio of gross NPLs to gross TLP (%) 7.02 0.00 c. Net NPLs 1,288 0 d. Ratio of Net NPLs to gross TLP (%) 3.55 0.00 Classified Loans & Other Risk Assets, gross of allowance for credit losses 2,499 0 DOSRI Loans and receivables, gross of allowance for credit losses 18 14 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP (%) 0.05 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 0.00 0.12 b. 2% for Medium Enterprises 0.03 0.19 Return on Equity (ROE) (%) (6.14) 2.62 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 12.41 11.85 b. Tier 1 CAR (%) 11.87 11.10 Deferred Charges not yet Written Down 0 0

Unbooked Allowance for Credit Losses on Financial Instruments Received 0 0

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

II. 40 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2014 In Million Pesos

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

ASSETS Cash and Cash Items 421 1,710 Due from Bangko Sentral ng Pilipinas 3,963 10,277 Due from Other Banks 1,660 5,550 Financial Assets at Fair Value through Profit or Loss 1,261 847 Available-for-Sale Financial Assets, Net 598 3,254 Held-to-Maturity (HTM) Financial Assets, Net 312 4,810 Unquoted Debt Securities Classified as Loans, Net 200 30 Investments in Non-Marketable Equity Security, Net 12 3 Loans and Receivables, Net 17,541 47,484 Loans to Bangko Sentral ng Pilipinas 0 0 Interbank Loans Receivable 314 139 Loans and Receivables - Others 17,464 47,817 Loans and Receivables Arising from RA/CA/PR/SLB 0 0 General Loan Loss Provision 237 472 Other Financial Assets 114 905 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 0 0 Bank Premises, Furniture, Fixture and Equipment, Net 212 651 Real and Other Properties Acquired, Net 9 356 Non-Current Assets Held for Sale 0 0 Other Assets, Net 1,070 2,242 Net Due from Head Office/Branches/Agencies, if any (Philippine branch of a foreign bank) 0 0 TOTAL ASSETS 27,373 78,120

LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 32 151 Deposit Liabilities 19,011 59,634 Due to Other Banks 0 0 Bills Payable 89 4,790 a) BSP (Rediscounting and Other Advances) 0 0 b) Interbank Loans Payable 89 4,789 c) Other Deposit Substitutes 0 1 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 362 847 Other Liabilities 1,360 2,271 Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign bank) 0 0 TOTAL LIABILITIES 20,855 67,692

STOCKHOLDERS' EQUITY Capital Stock 2,533 10,808 Other Capital Accounts 38 253 Retained Earnings 3,946 (634) Assigned Capital 0 0 TOTAL STOCKHOLDERS' EQUITY 6,518 10,428

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 27,373 78,120

II. 41 Table 3.a PUBLISHED BALANCE SHEET Universal and Commercial Banks As of December 31, 2014 In Million Pesos

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

CONTINGENT ACCOUNTS Guarantees Issued 0 497 Financial Standby Letters of Credit 45 0 Performance Standby Letters of Credit 887 1,221 Commercial Letters of Credit 217 393 Trade Related Guarantees 8 819 Commitments 0 0 Spot Foreign Exchange Contracts 408 2,147 Securities Held Under Custodianship by Bank Proper 0 0 Trust Department Accounts 1,307 4,229 a) Trust and Other Fiduciary Accounts 648 832 b) Agency Accounts 659 3,396 c) Advisory/Consultancy 0 0 Derivatives 20,345 15,001 Others 263 18,057 TOTAL CONTINGENT ACCOUNTS 23,479 42,363

ADDITIONAL INFORMATION Gross Total Loan Portfolio (TLP) 18,041 48,485 Specific allowance for credit losses on the TLP 263 530 Non-Performing Loans (NPL) a. Gross NPLs 447 1,482 b. Ratio of gross NPLs to gross TLP (%) 2.47 3.05 c. Net NPLs 184 952 d. Ratio of Net NPLs to gross TLP (%) 1.02 1.96 Classified Loans & Other Risk Assets, gross of allowance for credit losses 458 1,931 DOSRI Loans and receivables, gross of allowance for credit losses 21 19 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP (%) 0.11 0.03 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 4.08 2.58 b. 2% for Medium Enterprises 5.54 1.96 Return on Equity (ROE) (%) 0.77 4.08 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 25.57 16.66 b. Tier 1 CAR (%) 24.77 15.58

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

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

II. 42 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2014 In Million Pesos

THRIFT BANKS

1ST VALLEY BANK INC ACCOUNTS BANK ONE SAVINGS BATAAN TOTAL A DEVELOPMENT AND TRUST CORP. DEVELOPMENT BANK BANK

ASSETS Cash and Cash Items 16,784 90 17 4 Due from Bangko Sentral ng Pilipinas 137,492 367 702 24 Due from Other Banks 35,943 893 55 57 Financial Assets at Fair Value through Profit or Loss 14,497 0 0 0 Available for Sale Financial Assets, Net 25,012 0 7 0 Held to Maturity (HTM) Financial Assets, Net 35,247 60 37 4 Unquoted Debt Securities Classified as Loans, Net 4,431 0 0 0 Investments in Non-Marketable Equity Security, Net 78 0 0 0 Loans and Receivables, Net 556,621 5,053 382 164 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivables 3,535 0 0 0 Loans and Receivables - Others 552,404 5,104 385 165 Loans and Receivables Arising from Repo, CA/Participation 6,123 0 0 0 General Loan Loss Provision 5,441 51 3 1 Other Financial Assets 8,119 1 19 35 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 1,234 0 0 0 Bank Premises, Furniture, Fixture and Equipment, Net 11,966 99 3 4 Real and Other Properties Acquired , Net 14,222 97 144 42 Non-Current Assets Held for Sale 801 0 0 0 Other Assets, Net 17,631 108 13 14 Due from Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL ASSETS 880,077 6,767 1,378 347

LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 0 0 0 0 Deposit Liabilities 699,874 3,757 791 270 Due to Other Banks 0 0 0 0 Bills Payable 36,446 1,477 0 0 a) BSP (Rediscounting and Other Advances) 425 0 0 0 b) Interbank Loans Payable 19,223 0 0 0 c) Other Deposit Substitutes 0 0 0 0 d) Others 16,798 1,477 0 0 Bonds Payable, Net 0 0 0 0 Unsecured Subordinated Debt, Net 7,772 0 0 0 Redeemable Preferred Shares 782 0 0 0 Special Time Deposit 0 0 0 0 Due to Bangko Sentral ng Pilipinas 2 0 0 0 Other Financial Liabilities 8,311 154 2 1 Other Liabilities 18,972 159 26 4

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

TOTAL LIABILITIES 772,159 5,547 819 276

STOCKHOLDERS' EQUITY Capital Stock 66,030 639 330 58 Other Capital Accounts 10,899 193 16 7 Retained Earnings 30,989 388 214 7 Assigned Capital 0 0 0 0 TOTAL STOCKHOLDERS' EQUITY 107,918 1,221 559 72

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 880,077 6,767 1,378 347

II. 43 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2014 In Million Pesos

THRIFT BANKS

1ST VALLEY BANK INC ACCOUNTS BANK ONE SAVINGS BATAAN TOTAL A DEVELOPMENT AND TRUST CORP. DEVELOPMENT BANK BANK

CONTINGENT ACCOUNTS Guarantees Issued 43 0 0 0 Financial Standby Letters of Credit 164 0 0 0 Performance Standby Letters of Credit 486 0 0 0 Commercial Letters of Credit 447 0 0 0 Trade Related Guarantees 38 0 0 0 Commitments 4,223 0 0 0 Spot Foreign Exchange Contracts 809 0 0 0 Securities Held Under Custodianship by Bank Proper 0 0 0 0 Trust Department Accounts 30,168 0 0 0 a) Trust and Other Fudiciary Accounts 22,501 0 0 0 b) Agency Accounts 7,667 0 0 0 c) Advisory/Consultancy 0 0 0 0 Derivatives 1,842 0 0 0 Others 896 0 0 0 TOTAL CONTINGENT ACCOUNTS 39,116 0 0 0

OTHER INFORMATION Gross Total Loan Portfolio (TLP) 576,106 5,180 391 179 Specific allowance for credit losses on the TLP 14,044 77 6 14 Non-Performing Loans (NPL) a. Gross NPLs 25,433 515 15 76 b. Ratio of gross NPLs to gross TLP (%) 9.94 3.91 42.27 c. Net NPLs 11,424 439 9 61 d. Ratio of Net NPLs to gross TLP (%) 8.46 2.35 34.29

Classified Loans & Other Risk Assets, gross of allowance for credit losses 58,240 0 197 102

DOSRI Loans and receivables, gross of allowance for credit losses 5,653 0 0 0 Ratio of DOSRI loans and receivables, gross of allowance for credit 0.00 0.00 0.00 losses, to gross TLP (%) Gross non-performing DOSRI loans and receivables 396 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 12.54 17.07 33.29 b. 2% for Medium Enterprises 1.74 11.65 5.22 Return on Equity (ROE) (%) 0.00 2.50 9.47 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 18.01 73.54 18.12 b. Tier 1 CAR (%) 0.00 73.08 20.04 Deferred Charges not yet Written Down 1,803 0 0 10 Unbooked Allowance for Credit Losses on Financial Instruments 0 0 0 0 Received

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

II. 44 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2014 In Million Pesos

THRIFT BANKS

ACCOUNTS BDO ELITE SAVINGS BPI DIRECT SAVINGS BPI FAMILY SAVINGS BATAAN SLA BANK INC BANK BANK

ASSETS Cash and Cash Items 3 0 0 1,118 Due from Bangko Sentral ng Pilipinas 16 183 4,331 35,046 Due from Other Banks 191 0 1,202 7,504 Financial Assets at Fair Value through Profit or Loss 0 0 0 7,987 Available for Sale Financial Assets, Net 0 521 108 4,980 Held to Maturity (HTM) Financial Assets, Net 3 0 355 14,129 Unquoted Debt Securities Classified as Loans, Net 0 0 0 0 Investments in Non-Marketable Equity Security, Net 0 7 0 0 Loans and Receivables, Net 37 0 7,204 163,610 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivables 0 0 0 35 Loans and Receivables - Others 38 0 7,280 165,212 Loans and Receivables Arising from Repo, CA/Participation 0 0 0 0 General Loan Loss Provision 1 0 76 1,636 Other Financial Assets 0 8 40 1,026 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 0 0 0 0 Bank Premises, Furniture, Fixture and Equipment, Net 2 0 0 915 Real and Other Properties Acquired , Net 0 0 33 1,911 Non-Current Assets Held for Sale 0 0 0 200 Other Assets, Net 8 86 72 2,657 Due from Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL ASSETS 261 805 13,345 241,083

LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 0 0 0 0 Deposit Liabilities 190 0 12,006 214,366 Due to Other Banks 0 0 0 0 Bills Payable 0 0 0 32 a) BSP (Rediscounting and Other Advances) 0 0 0 29 b) Interbank Loans Payable 0 0 0 0 c) Other Deposit Substitutes 0 0 0 0 d) Others 0 0 0 3 Bonds Payable, Net 0 0 0 0 Unsecured Subordinated Debt, Net 0 0 0 0 Redeemable Preferred Shares 0 0 0 0 Special Time Deposit 0 0 0 0 Due to Bangko Sentral ng Pilipinas 0 0 0 0 Other Financial Liabilities 0 2 38 2,438 Other Liabilities 7 1 43 2,369 Due to Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL LIABILITIES 198 3 12,087 219,205

STOCKHOLDERS' EQUITY Capital Stock 50 3,921 375 1,000 Other Capital Accounts 0 24 273 3,860 Retained Earnings 13 (3,144) 610 17,018 Assigned Capital 0 0 0 0 TOTAL STOCKHOLDERS' EQUITY 63 802 1,257 21,878

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 261 805 13,345 241,083

II. 45 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2014 In Million Pesos

THRIFT BANKS

ACCOUNTS BDO ELITE SAVINGS BPI DIRECT SAVINGS BPI FAMILY SAVINGS BATAAN SLA BANK INC 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 0 813 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 0 832 Others 0 0 0 169 TOTAL CONTINGENT ACCOUNTS 0 0 0 1,813

OTHER INFORMATION Gross Total Loan Portfolio (TLP) 39 0 7,398 168,393 Specific allowance for credit losses on the TLP 1 0 119 3,147 Non-Performing Loans (NPL) a. Gross NPLs 2 0 160 4,891 b. Ratio of gross NPLs to gross TLP (%) 5.94 0.00 2.16 2.90 c. Net NPLs 1 0 42 1,744 d. Ratio of Net NPLs to gross TLP (%) 3.19 0.00 0.56 1.03

Classified Loans & Other Risk Assets, gross of allowance for credit losses 2 0 200 8,746

DOSRI Loans and receivables, gross of allowance for credit losses 0 0 0 29 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP 0.00 0.00 0.01 0.02 (%) 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 29.53 0.00 1.84 14.16 b. 2% for Medium Enterprises 26.01 0.00 0.40 6.61 Return on Equity (ROE) (%) 6.21 0.66 24.82 21.00

Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 0.00 400.69 19.04 15.74 b. Tier 1 CAR (%) 0.00 400.69 18.17 14.85 Deferred Charges not yet Written Down 0 0 0 0 Unbooked Allowance for Credit Losses on Financial Instruments Received 0 0 0 0

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

II. 46 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2014 In Million Pesos

THRIFT BANKS

ACCOUNTS BPI GLOBE BANKO INC A BUSINESS & CONSUMERS CARD SME BANK INC A CENTURY SAVINGS BANK SAVINGS BANK BANK A DB THRIFT BANK CORPORATION

ASSETS Cash and Cash Items 1 7 7 5 Due from Bangko Sentral ng Pilipinas 379 17 81 130 Due from Other Banks 513 62 110 50 Financial Assets at Fair Value through Profit or Loss 0 0 0 0 Available for Sale Financial Assets, Net 0 0 0 38 Held to Maturity (HTM) Financial Assets, Net 0 0 12 25 Unquoted Debt Securities Classified as Loans, Net 0 0 20 10 Investments in Non-Marketable Equity Security, Net 0 0 0 0 Loans and Receivables, Net 127 137 1,314 746 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivables 0 0 0 0 Loans and Receivables - Others 128 138 1,327 531 Loans and Receivables Arising from Repo, CA/Participation 0 0 0 220 General Loan Loss Provision 1 1 13 5 Other Financial Assets 2 12 0 18 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 0 0 0 3 Bank Premises, Furniture, Fixture and Equipment, Net 14 25 64 238 Real and Other Properties Acquired , Net 0 19 3 26 Non-Current Assets Held for Sale 0 0 0 0 Other Assets, Net 295 5 65 10 Due from Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL ASSETS 1,329 285 1,675 1,298

LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 0 0 0 0 Deposit Liabilities 902 194 948 328 Due to Other Banks 0 0 0 0 Bills Payable 0 2 260 0 a) BSP (Rediscounting and Other Advances) 0 0 0 0 b) Interbank Loans Payable 0 0 0 0 c) Other Deposit Substitutes 0 0 0 0 d) Others 0 2 260 0 Bonds Payable, Net 0 0 0 0 Unsecured Subordinated Debt, Net 0 0 0 0 Redeemable Preferred Shares 0 0 0 0 Special Time Deposit 0 0 0 0 Due to Bangko Sentral ng Pilipinas 0 0 0 0 Other Financial Liabilities 0 0 25 2 Other Liabilities 67 3 61 42 Due to Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL LIABILITIES 970 200 1,294 372

STOCKHOLDERS' EQUITY Capital Stock 700 73 297 847 Other Capital Accounts 71 3 78 32 Retained Earnings (412) 8 6 47 Assigned Capital 0 0 0 0 TOTAL STOCKHOLDERS' EQUITY 359 85 381 926

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 1,329 285 1,675 1,298

II. 47 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2014 In Million Pesos

THRIFT BANKS

ACCOUNTS BPI GLOBE BANKO INC A BUSINESS & CONSUMERS CARD SME BANK INC A CENTURY SAVINGS BANK SAVINGS BANK BANK A DB THRIFT BANK CORPORATION

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 48 1 TOTAL CONTINGENT ACCOUNTS 0 0 48 1

OTHER INFORMATION Gross Total Loan Portfolio (TLP) 398 144 1,358 758 Specific allowance for credit losses on the TLP 270 6 31 7 Non-Performing Loans (NPL) a. Gross NPLs 297 14 28 36 b. Ratio of gross NPLs to gross TLP (%) 74.67 9.66 2.07 4.73 c. Net NPLs 27 8 29 d. Ratio of Net NPLs to gross TLP (%) 6.74 5.69 3.82

Classified Loans & Other Risk Assets, gross of allowance for credit losses 297 232 0 113

DOSRI Loans and receivables, gross of allowance for credit losses 0 0 0 27 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross 0.00 0.00 0.00 3.52 TLP (%) Gross non-performing DOSRI loans and receivables 0 0 0 0 Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0.00 0.00 0.00 0.00 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 119.40 31.37 23.15 9.65 b. 2% for Medium Enterprises 0.00 3.81 2.47 15.75 Return on Equity (ROE) (%) (279.14) 3.84 32.81 1.77

Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 26.65 28.56 24.63 85.64 b. Tier 1 CAR (%) 26.51 0.00 380.59 84.52 Deferred Charges not yet Written Down 0 0 3 0 Unbooked Allowance for Credit Losses on Financial Instruments Received 0 0 0 0

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

II. 48 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2014 In Million Pesos

THRIFT BANKS

ACCOUNTS CHINA BANK SAVINGS CITY SAVINGS BANK CITYSTATE SAVINGS COMSAVINGS BANK INC INC BANK INC

ASSETS Cash and Cash Items 457 408 152 62 Due from Bangko Sentral ng Pilipinas 1,838 8,827 1,038 181 Due from Other Banks 437 1,064 220 8 Financial Assets at Fair Value through Profit or Loss 0 0 0 0 Available for Sale Financial Assets, Net 1,094 0 31 217 Held to Maturity (HTM) Financial Assets, Net 28 0 20 0 Unquoted Debt Securities Classified as Loans, Net 340 590 41 0 Investments in Non-Marketable Equity Security, Net 9 0 0 0 Loans and Receivables, Net 14,033 43,854 1,928 164 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivables 0 0 0 0 Loans and Receivables - Others 14,172 40,969 1,937 167 Loans and Receivables Arising from Repo, CA/Participation 0 3,298 0 0 General Loan Loss Provision 140 413 9 2 Other Financial Assets 189 391 138 81 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 0 2 0 0 Bank Premises, Furniture, Fixture and Equipment, Net 584 324 225 15 Real and Other Properties Acquired , Net 338 0 215 723 Non-Current Assets Held for Sale 74 0 0 22 Other Assets, Net 1,769 813 185 100 Due from Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL ASSETS 21,190 56,273 4,195 1,574

LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 0 0 0 0 Deposit Liabilities 17,568 30,029 3,397 938 Due to Other Banks 0 0 0 0 Bills Payable 0 19,260 0 501 a) BSP (Rediscounting and Other Advances) 0 0 0 0 b) Interbank Loans Payable 0 9,112 0 0 c) Other Deposit Substitutes 0 0 0 0 d) Others 0 10,148 0 501 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 238 409 13 14 Other Liabilities 748 603 85 70 Due to Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL LIABILITIES 18,554 50,302 3,496 1,523

STOCKHOLDERS' EQUITY Capital Stock 3,203 1,196 730 2,531 Other Capital Accounts 178 1,770 9 109 Retained Earnings (745) 3,006 (40) (2,589) Assigned Capital 0 0 0 0 TOTAL STOCKHOLDERS' EQUITY 2,636 5,972 699 52

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 21,190 56,273 4,195 1,574

II. 49 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2014 In Million Pesos

THRIFT BANKS

ACCOUNTS CHINA BANK SAVINGS CITY SAVINGS BANK CITYSTATE SAVINGS COMSAVINGS BANK INC INC BANK INC

CONTINGENT ACCOUNTS Guarantees Issued 0 0 0 0 Financial Standby Letters of Credit 0 0 0 0 Performance Standby Letters of Credit 19 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 3,102 0 309 0 a) Trust and Other Fudiciary Accounts 1,110 0 309 0 b) Agency Accounts 1,992 0 0 0 c) Advisory/Consultancy 0 0 0 0 Derivatives 0 0 0 0 Others 35 0 1 210 TOTAL CONTINGENT ACCOUNTS 3,157 0 311 210

OTHER INFORMATION Gross Total Loan Portfolio (TLP) 14,395 44,471 1,964 224 Specific allowance for credit losses on the TLP 223 204 27 58 Non-Performing Loans (NPL) a. Gross NPLs 662 531 105 191 b. Ratio of gross NPLs to gross TLP (%) 4.60 1.19 5.36 85.20 c. Net NPLs 440 327 79 133 d. Ratio of Net NPLs to gross TLP (%) 3.05 0.73 3.99 59.41

Classified Loans & Other Risk Assets, gross of allowance for credit losses 1,142 653 0 1,276

DOSRI Loans and receivables, gross of allowance for credit losses 14 28 347 8 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to 0.09 0.06 17.68 3.63 gross TLP (%) Gross non-performing DOSRI loans and receivables 0 0 0 0 Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0.00 0.00 0.00 0.00 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 8.87 3.44 8.04 1.69 b. 2% for Medium Enterprises 2.04 0.89 8.97 7.98 Return on Equity (ROE) (%) (5.41) 38.80 (5.61) (88.73) Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 15.46 12.82 29.19 3.71 b. Tier 1 CAR (%) 13.36 11.94 28.81 3.37 Deferred Charges not yet Written Down 0 356 0 0

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

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

II. 50 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2014 In Million Pesos

THRIFT BANKS

ACCOUNTS CORDILLERA DUMAGUETE CITY DUNGGANON BANK ENTERPRISE BANK INC SAVINGS BANK INC DEV BANK INC (A MF TB) (A THRIFT BANK)

ASSETS Cash and Cash Items 4 12 6 72 Due from Bangko Sentral ng Pilipinas 23 95 12 126 Due from Other Banks 96 293 22 171 Financial Assets at Fair Value through Profit or Loss 0 6 0 0 Available for Sale Financial Assets, Net 66 197 0 0 Held to Maturity (HTM) Financial Assets, Net 0 45 2 0 Unquoted Debt Securities Classified as Loans, Net 4 0 0 0 Investments in Non-Marketable Equity Security, Net 0 0 0 0 Loans and Receivables, Net 165 466 107 1,487 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivables 0 0 0 0 Loans and Receivables - Others 167 469 108 1,502 Loans and Receivables Arising from Repo, CA/Participation 0 0 0 0 General Loan Loss Provision 2 4 1 15 Other Financial Assets 5 23 0 2 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 0 3 0 0 Bank Premises, Furniture, Fixture and Equipment, Net 7 39 7 90 Real and Other Properties Acquired , Net 16 27 0 24 Non-Current Assets Held for Sale 0 0 0 0 Other Assets, Net 6 20 12 245 Due from Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL ASSETS 392 1,226 169 2,217

LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 0 0 0 0 Deposit Liabilities 262 984 64 1,045 Due to Other Banks 0 0 0 0 Bills Payable 7 0 3 804 a) BSP (Rediscounting and Other Advances) 0 0 0 30 b) Interbank Loans Payable 7 0 0 559 c) Other Deposit Substitutes 0 0 0 0 d) Others 0 0 3 216 Bonds Payable, Net 0 0 0 0 Unsecured Subordinated Debt, Net 0 0 0 50 Redeemable Preferred Shares 0 0 0 0 Special Time Deposit 0 0 0 0 Due to Bangko Sentral ng Pilipinas 0 0 0 0 Other Financial Liabilities 2 4 1 22 Other Liabilities 4 4 8 55 Due to Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL LIABILITIES 275 993 76 1,976

STOCKHOLDERS' EQUITY Capital Stock 61 108 75 157 Other Capital Accounts (1) 10 7 41 Retained Earnings 56 115 12 44 Assigned Capital 0 0 0 0 TOTAL STOCKHOLDERS' EQUITY 116 232 94 241

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 392 1,226 169 2,217

II. 51 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2014 In Million Pesos

THRIFT BANKS

ACCOUNTS CORDILLERA DUMAGUETE CITY DUNGGANON BANK ENTERPRISE BANK INC SAVINGS BANK INC DEV BANK INC (A MF TB) (A THRIFT BANK)

CONTINGENT ACCOUNTS Guarantees Issued 0 6 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 1 0 1 TOTAL CONTINGENT ACCOUNTS 0 7 0 1

OTHER INFORMATION Gross Total Loan Portfolio (TLP) 178 482 119 1,542 Specific allowance for credit losses on the TLP 11 13 11 41 Non-Performing Loans (NPL) a. Gross NPLs 17 41 27 97 b. Ratio of gross NPLs to gross TLP (%) 9.76 8.53 22.33 6.28 c. Net NPLs 6 28 16 56 d. Ratio of Net NPLs to gross TLP (%) 3.47 5.87 13.11 3.65

Classified Loans & Other Risk Assets, gross of allowance for credit losses 80 187 33 0 DOSRI Loans and receivables, gross of allowance for credit losses 3 40 0 1 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to 1.45 8.24 0.00 0.07 gross TLP (%) Gross non-performing DOSRI loans and receivables 0 0 0 0 Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0.00 0.00 0.00 0.00 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 10.76 34.32 90.89 14.83 b. 2% for Medium Enterprises 5.65 15.05 3.00 7.60 Return on Equity (ROE) (%) 13.23 7.14 7.65 0.00 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 33.60 25.02 49.39 12.07 b. Tier 1 CAR (%) 33.07 24.63 48.87 0.00 Deferred Charges not yet Written Down 0 0 0 0

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

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

Source: Supervisory Data Center, Supervision and Examination Sector

II. 52 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2014 In Million Pesos

THRIFT BANKS

ACCOUNTS EQUICOM SAVINGS FARMERS SAVINGS & FIRST CONSOLIDATED HIYAS BANKING BANK, INC. LOAN BANK INC BANK INC (A PDB) CORPORATION

ASSETS Cash and Cash Items 98 19 573 11 Due from Bangko Sentral ng Pilipinas 2,510 44 2,756 158 Due from Other Banks 290 212 451 120 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 0 0 0 551 Unquoted Debt Securities Classified as Loans, Net 40 13 6 0 Investments in Non-Marketable Equity Security, Net 13 0 0 0 Loans and Receivables, Net 3,643 206 8,199 200 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivables 0 0 0 0 Loans and Receivables - Others 3,676 208 8,332 202 Loans and Receivables Arising from Repo, CA/Participation 0 0 0 0 General Loan Loss Provision 33 2 132 2 Other Financial Assets 78 16 103 125 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 0 7 0 0 Bank Premises, Furniture, Fixture and Equipment, Net 87 26 528 57 Real and Other Properties Acquired , Net 124 76 225 155 Non-Current Assets Held for Sale 0 0 0 0 Other Assets, Net 183 10 264 11 Due from Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL ASSETS 7,066 629 13,105 1,390

LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 0 0 0 0 Deposit Liabilities 6,151 505 7,928 1,216 Due to Other Banks 0 0 0 0 Bills Payable 0 3 1,891 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 3 1,891 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 58 0 249 4 Other Liabilities 190 12 174 6 Due to Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL LIABILITIES 6,399 521 10,241 1,226

STOCKHOLDERS' EQUITY Capital Stock 1,168 60 858 73 Other Capital Accounts 22 6 407 0 Retained Earnings (522) 42 1,598 91 Assigned Capital 0 0 0 0 TOTAL STOCKHOLDERS' EQUITY 667 108 2,864 164

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 7,066 629 13,105 1,390

II. 53 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2014 In Million Pesos

THRIFT BANKS

ACCOUNTS EQUICOM SAVINGS FARMERS SAVINGS & FIRST CONSOLIDATED HIYAS BANKING BANK, INC. LOAN BANK INC BANK INC (A PDB) CORPORATION

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 7 0 24 0 TOTAL CONTINGENT ACCOUNTS 7 0 24 0

OTHER INFORMATION Gross Total Loan Portfolio (TLP) 3,735 239 8,681 207 Specific allowance for credit losses on the TLP 59 30 349 4 Non-Performing Loans (NPL) a. Gross NPLs 389 60 464 13 b. Ratio of gross NPLs to gross TLP (%) 10.40 25.09 5.34 6.51 c. Net NPLs 330 29 115 9 d. Ratio of Net NPLs to gross TLP (%) 8.82 12.31 1.32 4.36

Classified Loans & Other Risk Assets, gross of allowance for credit losses 545 119 655 13

DOSRI Loans and receivables, gross of allowance for credit losses 0 0 10 22 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP 0.00 0.07 0.11 10.53 (%) 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 15.26 50.71 18.76 23.29 b. 2% for Medium Enterprises 9.61 3.91 3.06 4.02 Return on Equity (ROE) (%) 4.38 (0.12) 15.37 0.28

Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 13.23 15.92 25.59 18.99 b. Tier 1 CAR (%) 0.00 15.18 24.71 18.70 Deferred Charges not yet Written Down 0 0 0 0 Unbooked Allowance for Credit Losses on Financial Instruments Received 0 000

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

II. 54 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2014 In Million Pesos

THRIFT BANKS

ACCOUNTS HSBC SAVINGS ILOILO CITY ISLA BANK (A THRIFT LEGAZPI SAVINGS BANK(PHILS) INC DEVELOPMENT BANK BANK), INC. BANK INC

ASSETS Cash and Cash Items 174 2 12 75 Due from Bangko Sentral ng Pilipinas 9,508 10 73 690 Due from Other Banks 5,131 20 18 134 Financial Assets at Fair Value through Profit or Loss 0 0 0 0 Available for Sale Financial Assets, Net 4,572 3 0 0 Held to Maturity (HTM) Financial Assets, Net 0 0 312 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 4,694 111 708 937 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivables 1,655 0 0 0 Loans and Receivables - Others 3,119 112 102 949 Loans and Receivables Arising from Repo, CA/Participation 0 0 607 0 General Loan Loss Provision 79 1 1 12 Other Financial Assets 124 1 8 59 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 0 0 0 0 Bank Premises, Furniture, Fixture and Equipment, Net 6 18 6 67 Real and Other Properties Acquired , Net 1 11 0 165 Non-Current Assets Held for Sale 0 0 0 0 Other Assets, Net 198 4 20 35 Due from Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL ASSETS 24,407 179 1,157 2,161

LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 0 0 0 0 Deposit Liabilities 21,194 118 481 1,776 Due to Other Banks 0 0 0 0 Bills Payable 839 0 0 0 a) BSP (Rediscounting and Other Advances) 0 0 0 0 b) Interbank Loans Payable 839 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 31 Special Time Deposit 0 0 0 0 Due to Bangko Sentral ng Pilipinas 0 0 0 0 Other Financial Liabilities 108 0 3 0 Other Liabilities 113 8 16 49 Due to Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL LIABILITIES 22,254 126 500 1,856

STOCKHOLDERS' EQUITY Capital Stock 1,492 184 502 400 Other Capital Accounts 189 2 9 411 Retained Earnings 473 (133) 146 (507) Assigned Capital 0 0 0 0 TOTAL STOCKHOLDERS' EQUITY 2,153 53 658 304

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 24,407 179 1,157 2,161

II. 55 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2014 In Million Pesos

THRIFT BANKS

ACCOUNTS HSBC SAVINGS ILOILO CITY ISLA BANK (A THRIFT LEGAZPI SAVINGS BANK(PHILS) INC DEVELOPMENT BANK BANK), INC. BANK INC

CONTINGENT ACCOUNTS Guarantees Issued 0 0 0 0 Financial Standby Letters of Credit 0 0 0 0 Performance Standby Letters of Credit 0 0 0 0 Commercial Letters of Credit 0 0 0 0 Trade Related Guarantees 0 0 0 0 Commitments 159 0 0 0 Spot Foreign Exchange Contracts 25 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 854 0 0 0 Others 4 0 0 2 TOTAL CONTINGENT ACCOUNTS 1,042 0 0 2

OTHER INFORMATION Gross Total Loan Portfolio (TLP) 4,795 119 712 1,143 Specific allowance for credit losses on the TLP 21 7 4 194 Non-Performing Loans (NPL) a. Gross NPLs 78 9 0 396 b. Ratio of gross NPLs to gross TLP (%) 1.63 7.22 0.00 34.64 c. Net NPLs 57 2 202 d. Ratio of Net NPLs to gross TLP (%) 1.18 1.32 17.65

Classified Loans & Other Risk Assets, gross of allowance for credit losses 201 156 0 853

DOSRI Loans and receivables, gross of allowance for credit losses 61 6 1 0 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to 1.26 5.32 0.14 0.01 gross TLP (%) Gross non-performing DOSRI loans and receivables 0 0 0 0 Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0.00 0.00 0.00 0.00 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 0.00 42.78 11.75 23.00 b. 2% for Medium Enterprises 0.00 29.69 9.45 2.14 Return on Equity (ROE) (%) 6.09 1.55 1.44 (10.43) Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 25.40 28.63 218.98 16.57 b. Tier 1 CAR (%) 24.73 0.00 218.73 15.91 Deferred Charges not yet Written Down 0 0 0 0

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

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

II. 56 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2014 In Million Pesos

THRIFT BANKS

ACCOUNTS LEMERY SAVINGS & LIFE SAVINGS BANK LUZON DEVELOPMENT MALASIQUI LOAN BANK, INC. INC. BANK PROGRESSIVE SLB, INC

ASSETS Cash and Cash Items 2 3 82 4 Due from Bangko Sentral ng Pilipinas 11 16 493 5 Due from Other Banks 98 131 135 68 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 13 0 0 0 Unquoted Debt Securities Classified as Loans, Net 0 23 62 0 Investments in Non-Marketable Equity Security, Net 0 0 0 0 Loans and Receivables, Net 57 73 3,082 35 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivables 0 0 0 0 Loans and Receivables - Others 58 73 3,111 35 Loans and Receivables Arising from Repo, CA/Participation 0 0 0 0 General Loan Loss Provision 1 1 29 0 Other Financial Assets 0 1 354 0 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 0 0 15 0 Bank Premises, Furniture, Fixture and Equipment, Net 4 7 53 2 Real and Other Properties Acquired , Net 11 10 387 3 Non-Current Assets Held for Sale 0 0 0 0 Other Assets, Net 7 4 149 0 Due from Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL ASSETS 205 267 4,813 117

LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 0 0 0 0 Deposit Liabilities 120 192 4,116 62 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 0 1 19 1 Other Liabilities 9 3 154 0 Due to Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL LIABILITIES 129 196 4,289 63

STOCKHOLDERS' EQUITY Capital Stock 59 53 385 60 Other Capital Accounts 0 5 36 0 Retained Earnings 16 13 103 (6) Assigned Capital 0 0 0 0 TOTAL STOCKHOLDERS' EQUITY 76 71 524 54

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 205 267 4,813 117

II. 57 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2014 In Million Pesos

THRIFT BANKS

ACCOUNTS LEMERY SAVINGS & LIFE SAVINGS BANK LUZON DEVELOPMENT MALASIQUI LOAN BANK, INC. INC. BANK PROGRESSIVE SLB, 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) 60 76 3,172 42 Specific allowance for credit losses on the TLP 2 2 61 7 Non-Performing Loans (NPL) a. Gross NPLs 6 9 297 10 b. Ratio of gross NPLs to gross TLP (%) 10.38 12.41 9.37 24.87 c. Net NPLs 4 7 236 3 d. Ratio of Net NPLs to gross TLP (%) 7.33 9.28 7.44 8.23

Classified Loans & Other Risk Assets, gross of allowance for credit losses 7 22 249 10

DOSRI Loans and receivables, gross of allowance for credit losses 0 9 5 11 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to 0.00 12.07 0.17 25.51 gross TLP (%) Gross non-performing DOSRI loans and receivables 0 0 0 0 Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0.00 0.00 0.00 0.00 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 10.91 8.37 13.27 18.94 b. 2% for Medium Enterprises 7.64 2.85 23.39 4.85 Return on Equity (ROE) (%) 3.53 7.34 7.07 (10.00) Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 34.31 30.67 12.30 44.72 b. Tier 1 CAR (%) 39.51 30.45 11.48 44.53 Deferred Charges not yet Written Down 0 0 0 0

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

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

II. 58 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2014 In Million Pesos

THRIFT BANKS

MALAYAN BANK MERCHANTS SAVINGS ACCOUNTS MARITIME SAVINGS MBANK PHILIPPINES (A SAVINGS & MORT AND LOAN BANK CORPORATION THRIFT BANK) INC BANK ASSOCIATION, INC.

ASSETS Cash and Cash Items 86 3 0 9 Due from Bangko Sentral ng Pilipinas 973 10 0 38 Due from Other Banks 224 8 12 67 Financial Assets at Fair Value through Profit or Loss 244 0 0 0 Available for Sale Financial Assets, Net 0 0 0 24 Held to Maturity (HTM) Financial Assets, Net 0 0 0 0 Unquoted Debt Securities Classified as Loans, Net 0 0 0 0 Investments in Non-Marketable Equity Security, Net 9 0 0 0 Loans and Receivables, Net 3,784 134 60 306 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivables 100 0 0 0 Loans and Receivables - Others 3,718 135 60 211 Loans and Receivables Arising from Repo, CA/Participation 0 0 0 98 General Loan Loss Provision 34 1 0 2 Other Financial Assets 48 2 0 6 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 8 0 0 0 Bank Premises, Furniture, Fixture and Equipment, Net 67 3 4 144 Real and Other Properties Acquired , Net 535 10 0 0 Non-Current Assets Held for Sale 0 0 0 0 Other Assets, Net 272 1 65 265 Due from Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL ASSETS 6,251 171 141 860

LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 0 0 0 0 Deposit Liabilities 5,137 103 0 394 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 92 0 0 0 Other Liabilities 53 4 50 33 Due to Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL LIABILITIES 5,282 108 50 428

STOCKHOLDERS' EQUITY Capital Stock 856 65 310 876 Other Capital Accounts (2) 0 (100) (54) Retained Earnings 116 (1) (119) (391) Assigned Capital 0 0 0 0 TOTAL STOCKHOLDERS' EQUITY 969 64 92 432

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 6,251 171 141 860

II. 59 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2014 In Million Pesos

THRIFT BANKS

MALAYAN BANK MERCHANTS SAVINGS ACCOUNTS MARITIME SAVINGS MBANK PHILIPPINES (A SAVINGS & MORT AND LOAN BANK CORPORATION THRIFT BANK) INC BANK ASSOCIATION, 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 291 0 0 0 a) Trust and Other Fudiciary Accounts 291 0 0 0 b) Agency Accounts 0 0 0 0 c) Advisory/Consultancy 0 0 0 0 Derivatives 0 0 0 0 Others 2 0 0 0 TOTAL CONTINGENT ACCOUNTS 293 0 0 0

OTHER INFORMATION Gross Total Loan Portfolio (TLP) 4,070 141 87 318 Specific allowance for credit losses on the TLP 252 6 27 9 Non-Performing Loans (NPL) a. Gross NPLs 638 22 60 8 b. Ratio of gross NPLs to gross TLP (%) 15.66 15.91 68.72 2.36 c. Net NPLs 385 17 33 d. Ratio of Net NPLs to gross TLP (%) 9.47 11.78 37.53

Classified Loans & Other Risk Assets, gross of allowance for credit losses 1,355 38 0 0

DOSRI Loans and receivables, gross of allowance for credit losses 14 1 0 0 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to 0.34 0.84 0.00 0.00 gross TLP (%) Gross non-performing DOSRI loans and receivables 0 0 0 0 Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0.00 0.00 0.00 0.00 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 5.78 39.65 100.00 70.62 b. 2% for Medium Enterprises 11.01 5.33 0.00 10.02 Return on Equity (ROE) (%) 1.31 (6.21) 0.00 (15.82) Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 14.46 32.62 56.42 56.98 b. Tier 1 CAR (%) 13.76 0.00 56.42 56.65 Deferred Charges not yet Written Down 0 0 0 0

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

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

II. 60 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2014 In Million Pesos

THRIFT BANKS

MICROFINANCE NORTHPOINT OPPORTUNITY ACCOUNTS METRO-CEBU PUBLIC MAXIMUM SAVINGS DEVELOPMENT BANK, KAUSWAGAN BANK (A SAVINGS BANK BANK, INC. INC. MF TB)

ASSETS Cash and Cash Items 3 8 1 20 Due from Bangko Sentral ng Pilipinas 14 151 16 25 Due from Other Banks 87 62 182 68 Financial Assets at Fair Value through Profit or Loss 0 0 0 0 Available for Sale Financial Assets, Net 0 7 0 0 Held to Maturity (HTM) Financial Assets, Net 15 0 0 0 Unquoted Debt Securities Classified as Loans, Net 0 0 0 1 Investments in Non-Marketable Equity Security, Net 0 0 0 0 Loans and Receivables, Net 61 12 179 255 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivables 0 0 0 0 Loans and Receivables - Others 62 12 180 257 Loans and Receivables Arising from Repo, CA/Participation 0 0 0 0 General Loan Loss Provision 1 0 1 2 Other Financial Assets 4 0 0 3 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 0 0 0 0 Bank Premises, Furniture, Fixture and Equipment, Net 5 7 19 9 Real and Other Properties Acquired , Net 24 1 17 48 Non-Current Assets Held for Sale 0 0 0 0 Other Assets, Net 1 17 15 41 Due from Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL ASSETS 214 265 429 469

LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 0 0 0 0 Deposit Liabilities 146 57 199 262 Due to Other Banks 0 0 0 0 Bills Payable 0 0 0 89 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 89 Bonds Payable, Net 0 0 0 0 Unsecured Subordinated Debt, Net 0 0 0 0 Redeemable Preferred Shares 0 0 0 11 Special Time Deposit 0 0 0 0 Due to Bangko Sentral ng Pilipinas 0 0 0 0 Other Financial Liabilities 1 0 8 3 Other Liabilities 4 167 34 49 Due to Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL LIABILITIES 151 225 241 413

STOCKHOLDERS' EQUITY Capital Stock 61 108 250 424 Other Capital Accounts 0 (27) (45) (74) Retained Earnings 2 (40) (16) (294) Assigned Capital 0 0 0 0 TOTAL STOCKHOLDERS' EQUITY 63 41 189 56

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 214 265 429 469

II. 61 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2014 In Million Pesos

THRIFT BANKS

MICROFINANCE NORTHPOINT OPPORTUNITY ACCOUNTS METRO-CEBU PUBLIC MAXIMUM SAVINGS DEVELOPMENT BANK, KAUSWAGAN BANK (A SAVINGS BANK BANK, INC. INC. MF TB)

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) 65 14 217 294 Specific allowance for credit losses on the TLP 3 2 36 38 Non-Performing Loans (NPL) a. Gross NPLs 11 2 114 109 b. Ratio of gross NPLs to gross TLP (%) 17.73 17.95 52.68 36.88 c. Net NPLs 8 0 78 71 d. Ratio of Net NPLs to gross TLP (%) 12.85 2.58 35.91 24.01 Classified Loans & Other Risk Assets, gross of allowance for credit losses 39 0 0 109 DOSRI Loans and receivables, gross of allowance for credit losses 0 0 0 10 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross 0.00 0.00 0.00 3.29 TLP (%) Gross non-performing DOSRI loans and receivables 0 0 0 0 Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0.00 0.00 0.00 0.00 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 28.07 92.60 105.15 105.56 b. 2% for Medium Enterprises 9.78 2.70 2.07 2.28 Return on Equity (ROE) (%) 0.16 (108.20) (16.16) (131.32) Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 28.30 23.92 41.68 8.22 b. Tier 1 CAR (%) 27.82 36.09 41.68 41.74 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: Supervisory Data Center, Supervision and Examination Sector

II. 62 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2014 In Million Pesos

THRIFT BANKS

ACCOUNTS OPTIMUM DEVELOPMENT PACIFIC ACE SAVINGS PAMPANGA PENBANK INC (A PDB) BANK, INC. BANK, INC. DEVELOPMENT BANK

ASSETS Cash and Cash Items 15 18 5 38 Due from Bangko Sentral ng Pilipinas 177 84 15 218 Due from Other Banks 215 52 14 92 Financial Assets at Fair Value through Profit or Loss 0 0 0 0 Available for Sale Financial Assets, Net 151 0 0 0 Held to Maturity (HTM) Financial Assets, Net 4 0 0 335 Unquoted Debt Securities Classified as Loans, Net 0 16 3 0 Investments in Non-Marketable Equity Security, Net 0 0 0 0 Loans and Receivables, Net 916 14 255 1,800 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivables 0 0 0 0 Loans and Receivables - Others 925 14 257 1,815 Loans and Receivables Arising from Repo, CA/Participation 0 0 0 0 General Loan Loss Provision 8 0 2 15 Other Financial Assets 8 0 6 31 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 0 0 0 0 Bank Premises, Furniture, Fixture and Equipment, Net 9 9 17 88 Real and Other Properties Acquired , Net 8 2 9 72 Non-Current Assets Held for Sale 0 0 0 0 Other Assets, Net 89 3 4 55 Due from Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL ASSETS 1,591 198 328 2,728

LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 0 0 0 0 Deposit Liabilities 758 84 188 2,082 Due to Other Banks 0 0 0 0 Bills Payable 0 0 0 301 a) BSP (Rediscounting and Other Advances) 0 0 0 0 b) Interbank Loans Payable 0 0 0 301 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 50 0 0 0 Special Time Deposit 0 0 0 0 Due to Bangko Sentral ng Pilipinas 0 0 0 0 Other Financial Liabilities 12 0 1 14 Other Liabilities 29 34 15 42 Due to Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL LIABILITIES 849 118 204 2,440

STOCKHOLDERS' EQUITY Capital Stock 715 58 100 230 Other Capital Accounts 25 5 6 0 Retained Earnings 3 17 17 59 Assigned Capital 0 0 0 0 TOTAL STOCKHOLDERS' EQUITY 743 80 124 289

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 1,591 198 328 2,728

II. 63 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2014 In Million Pesos

THRIFT BANKS

ACCOUNTS OPTIMUM DEVELOPMENT PACIFIC ACE SAVINGS PAMPANGA PENBANK INC (A PDB) BANK, INC. BANK, INC. DEVELOPMENT BANK

CONTINGENT ACCOUNTS Guarantees Issued 0 0 0 0 Financial Standby Letters of Credit 0 0 0 0 Performance Standby Letters of Credit 0 0 0 0 Commercial Letters of Credit 0 0 0 0 Trade Related Guarantees 0 0 0 0 Commitments 0 0 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 7 TOTAL CONTINGENT ACCOUNTS 0 0 0 7

OTHER INFORMATION Gross Total Loan Portfolio (TLP) 961 16 275 1,869 Specific allowance for credit losses on the TLP 36 3 18 54 Non-Performing Loans (NPL) a. Gross NPLs 19 5 53 114 b. Ratio of gross NPLs to gross TLP (%) 2.00 33.05 19.42 6.11 c. Net NPLs 3 36 60 d. Ratio of Net NPLs to gross TLP (%) 17.57 12.93 3.20

Classified Loans & Other Risk Assets, gross of allowance for credit losses 184 0 47 146

DOSRI Loans and receivables, gross of allowance for credit losses 35 0 38 156 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross 3.59 0.00 13.81 8.34 TLP (%) Gross non-performing DOSRI loans and receivables 0 0 0 0 Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0.00 0.00 0.00 0.00 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 4.68 41.92 26.38 16.64 b. 2% for Medium Enterprises 44.95 10.57 14.77 11.29 Return on Equity (ROE) (%) 4.18 5.61 5.21 8.10 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 57.53 76.43 33.80 13.50 b. Tier 1 CAR (%) 0.00 76.34 122.77 12.81 Deferred Charges not yet Written Down 0 0 0 0

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

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

II. 64 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2014 In Million Pesos

THRIFT BANKS PHILIPPINE BUSINESS ACCOUNTS PHILIPPINE POSTAL PHILIPPINE SAVINGS PHIL STAR DEVELOPMENT BANK INC A SAVINGS SAVINGS BANK, INC. BANK BANK INC BANK

ASSETS Cash and Cash Items 126 4,175 1 1,234 Due from Bangko Sentral ng Pilipinas 2,908 23,923 4 4,536 Due from Other Banks 117 3,383 48 2,081 Financial Assets at Fair Value through Profit or Loss 0 279 0 172 Available for Sale Financial Assets, Net 133 6,124 0 1,714 Held to Maturity (HTM) Financial Assets, Net 0 1,686 0 5,963 Unquoted Debt Securities Classified as Loans, Net 97 0 0 1,243 Investments in Non-Marketable Equity Security, Net 0 0 0 0 Loans and Receivables, Net 5,320 96,433 37 38,676 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivables 0 1,386 0 0 Loans and Receivables - Others 5,382 95,204 38 39,087 Loans and Receivables Arising from Repo, CA/Participation 0 800 0 0 General Loan Loss Provision 62 957 0 411 Other Financial Assets 81 978 0 265 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 0 668 0 0 Bank Premises, Furniture, Fixture and Equipment, Net 212 2,575 5 516 Real and Other Properties Acquired , Net 101 2,046 26 712 Non-Current Assets Held for Sale 0 0 0 0 Other Assets, Net 56 2,218 2 1,017 Due from Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL ASSETS 9,152 144,487 124 58,131

LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 0 0 0 0 Deposit Liabilities 7,956 116,445 45 46,562 Due to Other Banks 0 0 0 0 Bills Payable 0 0 0 309 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 0 309 Bonds Payable, Net 0 0 0 0 Unsecured Subordinated Debt, Net 0 5,947 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 1 Other Financial Liabilities 55 1,600 2 737 Other Liabilities 165 3,814 1 2,392 Due to Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL LIABILITIES 8,176 127,805 48 50,002

STOCKHOLDERS' EQUITY Capital Stock 800 5,221 52 6,910 Other Capital Accounts 158 2,074 0 91 Retained Earnings 17 9,386 24 1,128 Assigned Capital 0 0 0 0 TOTAL STOCKHOLDERS' EQUITY 976 16,681 76 8,129

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 9,152 144,487 124 58,131

II. 65 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2014 In Million Pesos

THRIFT BANKS PHILIPPINE BUSINESS ACCOUNTS PHILIPPINE POSTAL PHILIPPINE SAVINGS PHIL STAR DEVELOPMENT BANK INC A SAVINGS SAVINGS BANK, INC. BANK BANK INC BANK

CONTINGENT ACCOUNTS Guarantees Issued 0 0 0 0 Financial Standby Letters of Credit 0 79 0 85 Performance Standby Letters of Credit 0 0 0 0 Commercial Letters of Credit 0 0 0 427 Trade Related Guarantees 0 0 0 38 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 1,752 0 3,813 a) Trust and Other Fudiciary Accounts 0 1,655 0 282 b) Agency Accounts 0 97 0 3,531 c) Advisory/Consultancy 0 0 0 0 Derivatives 0 0 0 0 Others 19 71 0 142 TOTAL CONTINGENT ACCOUNTS 19 1,901 0 4,505

OTHER INFORMATION Gross Total Loan Portfolio (TLP) 5,730 100,709 44 39,473 Specific allowance for credit losses on the TLP 348 3,319 6 385 Non-Performing Loans (NPL) a. Gross NPLs 527 3,865 8 621 b. Ratio of gross NPLs to gross TLP (%) 9.19 3.83 19.04 1.57 c. Net NPLs 180 547 3 236 d. Ratio of Net NPLs to gross TLP (%) 3.13 0.54 6.11 0.59

Classified Loans & Other Risk Assets, gross of allowance for credit losses 760 13,847 44 1,086

DOSRI Loans and receivables, gross of allowance for credit losses 92 2,803 0 1,227 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to 1.60 2.78 0.00 3.10 gross TLP (%) Gross non-performing DOSRI loans and receivables 0 396 0 0 Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0.00 0.39 0.00 0.00 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 7.01 1.72 42.11 16.32 b. 2% for Medium Enterprises 8.63 0.99 55.28 29.20 Return on Equity (ROE) (%) 18.85 14.01 0.00 8.40 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 14.59 19.56 50.92 20.10 b. Tier 1 CAR (%) 13.68 13.31 50.61 19.17 Deferred Charges not yet Written Down 0 0 0 0

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

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

II. 66 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2014 In Million Pesos

THRIFT BANKS PHILIPPINE RESOURCES ACCOUNTS SAVINGS BANKING PLANTERS DEVELOPMENT PRODUCERS SAVINGS PNB SAVINGS BANK CORPORATION (PR BANK BANK CORPORATION SAVINGS)

ASSETS Cash and Cash Items 85 990 460 445 Due from Bangko Sentral ng Pilipinas 188 5,084 10,358 1,784 Due from Other Banks 752 1,453 402 353 Financial Assets at Fair Value through Profit or Loss 0 942 0 0 Available for Sale Financial Assets, Net 7 1 69 0 Held to Maturity (HTM) Financial Assets, Net 0 728 50 682 Unquoted Debt Securities Classified as Loans, Net 0 0 339 0 Investments in Non-Marketable Equity Security, Net 0 0 31 0 Loans and Receivables, Net 8,436 30,173 8,797 5,925 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivables 0 11 0 0 Loans and Receivables - Others 8,517 30,405 8,887 5,962 Loans and Receivables Arising from Repo, CA/Participation 0 0 0 0 General Loan Loss Provision 81 243 90 38 Other Financial Assets 212 1,024 60 215 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 0 2 0 44 Bank Premises, Furniture, Fixture and Equipment, Net 416 1,330 46 338 Real and Other Properties Acquired , Net 114 2,035 125 275 Non-Current Assets Held for Sale 0 0 0 84 Other Assets, Net 257 2,824 164 360 Due from Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL ASSETS 10,468 46,586 20,901 10,504

LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 0 0 0 0 Deposit Liabilities 2,206 41,031 9,678 5,351 Due to Other Banks 0 0 0 0 Bills Payable 5,144 1,143 0 3,626 a) BSP (Rediscounting and Other Advances) 0 0 0 0 b) Interbank Loans Payable 4,390 0 0 3,626 c) Other Deposit Substitutes 0 0 0 0 d) Others 754 1,143 0 0 Bonds Payable, Net 0 0 0 0 Unsecured Subordinated Debt, Net 100 1,175 0 0 Redeemable Preferred Shares 650 0 0 40 Special Time Deposit 0 0 0 0 Due to Bangko Sentral ng Pilipinas 0 0 0 0 Other Financial Liabilities 104 316 16 105 Other Liabilities 325 733 156 88 Due to Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL LIABILITIES 8,530 44,398 9,850 9,210

STOCKHOLDERS' EQUITY Capital Stock 1,022 2,626 10,500 1,029 Other Capital Accounts 357 (554) (9) 108 Retained Earnings 560 115 561 157 Assigned Capital 0 0 0 0 TOTAL STOCKHOLDERS' EQUITY 1,938 2,188 11,052 1,294

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 10,468 46,586 20,901 10,504

II. 67 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2014 In Million Pesos

THRIFT BANKS PHILIPPINE RESOURCES ACCOUNTS SAVINGS BANKING PLANTERS DEVELOPMENT PRODUCERS SAVINGS PNB SAVINGS BANK CORPORATION (PR BANK BANK CORPORATION SAVINGS)

CONTINGENT ACCOUNTS Guarantees Issued 0 0 0 0 Financial Standby Letters of Credit 0 0 0 0 Performance Standby Letters of Credit 0 315 0 0 Commercial Letters of Credit 0 0 0 0 Trade Related Guarantees 0 0 0 0 Commitments 0 3,250 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 2,272 0 0 a) Trust and Other Fudiciary Accounts 0 2,272 0 0 b) Agency Accounts 0 0 0 0 c) Advisory/Consultancy 0 0 0 0 Derivatives 0 0 0 0 Others 0 25 25 3 TOTAL CONTINGENT ACCOUNTS 0 5,863 25 3

OTHER INFORMATION Gross Total Loan Portfolio (TLP) 8,639 31,385 8,966 5,986 Specific allowance for credit losses on the TLP 122 969 79 24 Non-Performing Loans (NPL) a. Gross NPLs 501 2,986 403 270 b. Ratio of gross NPLs to gross TLP (%) 5.79 9.51 4.49 4.50 c. Net NPLs 379 2,017 324 246 d. Ratio of Net NPLs to gross TLP (%) 4.38 6.42 3.60 4.10

Classified Loans & Other Risk Assets, gross of allowance for credit losses 1,549 4,747 536 515

DOSRI Loans and receivables, gross of allowance for credit losses 0 51 0 74 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to 0.00 0.16 0.00 1.23 gross TLP (%) Gross non-performing DOSRI loans and receivables 0 0 0 0 Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0.00 0.00 0.00 0.00 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 8.40 8.88 2.85 13.45 b. 2% for Medium Enterprises 2.61 19.74 2.79 21.19 Return on Equity (ROE) (%) 20.10 (33.72) 4.30 11.58 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 21.93 3.84 113.96 17.17 b. Tier 1 CAR (%) 15.47 2.39 113.04 16.72 Deferred Charges not yet Written Down 0 1,432 0 0

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

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

II. 68 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2014 In Million Pesos

THRIFT BANKS

QUEEN CITY QUEZON COCONUT ACCOUNTS PROGRESS SAVINGS DEVELOPMENT BANK RCBC SAVINGS BANK BANK INC (A THRIFT AND LOAN BANK INC INC OR QUEENBANK A INC BANK) THRIFT BANK

ASSETS Cash and Cash Items 2 45 0 3,539 Due from Bangko Sentral ng Pilipinas 4 200 4 7,809 Due from Other Banks 68 93 18 1,922 Financial Assets at Fair Value through Profit or Loss 0 0 0 295 Available for Sale Financial Assets, Net 0 0 3 0 Held to Maturity (HTM) Financial Assets, Net 15 5 18 9,031 Unquoted Debt Securities Classified as Loans, Net 16 0 0 0 Investments in Non-Marketable Equity Security, Net 0 8 0 0 Loans and Receivables, Net 1 1,144 39 51,299 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivables 0 0 0 0 Loans and Receivables - Others 1 1,151 40 51,679 Loans and Receivables Arising from Repo, CA/Participation 0 0 0 0 General Loan Loss Provision 0 7 0 380 Other Financial Assets 0 10 3 1,704 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 0 4 0 478 Bank Premises, Furniture, Fixture and Equipment, Net 0 180 3 1,232 Real and Other Properties Acquired , Net 1 75 13 2,640 Non-Current Assets Held for Sale 0 0 0 109 Other Assets, Net 1 27 1 1,042 Due from Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL ASSETS 108 1,792 101 81,099

LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 0 0 0 0 Deposit Liabilities 24 1,084 39 69,573 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 0 7 0 793 Other Liabilities 0 37 2 2,564 Due to Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL LIABILITIES 24 1,127 41 72,930

STOCKHOLDERS' EQUITY Capital Stock 64 650 52 3,190 Other Capital Accounts 0 5 2 930 Retained Earnings 20 10 7 4,049 Assigned Capital 0 0 0 0 TOTAL STOCKHOLDERS' EQUITY 84 665 60 8,169

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 108 1,792 101 81,099

II. 69 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2014 In Million Pesos

THRIFT BANKS

QUEEN CITY QUEZON COCONUT ACCOUNTS PROGRESS SAVINGS DEVELOPMENT BANK RCBC SAVINGS BANK BANK INC (A THRIFT AND LOAN BANK INC INC OR QUEENBANK A INC BANK) THRIFT BANK

CONTINGENT ACCOUNTS Guarantees Issued 0 0 0 0 Financial Standby Letters of Credit 0 0 0 0 Performance Standby Letters of Credit 0 37 0 57 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 0 453 Securities Held Under Custodianship by Bank Proper 0 0 0 0 Trust Department Accounts 0 0 0 16,389 a) Trust and Other Fudiciary Accounts 0 0 0 16,389 b) Agency Accounts 0 0 0 0 c) Advisory/Consultancy 0 0 0 0 Derivatives 0 0 0 0 Others 0 2 0 50 TOTAL CONTINGENT ACCOUNTS 0 40 0 16,948

OTHER INFORMATION Gross Total Loan Portfolio (TLP) 1 1,160 40 52,675 Specific allowance for credit losses on the TLP 0 9 1 997 Non-Performing Loans (NPL) a. Gross NPLs 1 42 2 2,348 b. Ratio of gross NPLs to gross TLP (%) 86.03 3.60 5.53 4.45 c. Net NPLs 1 33 2 1,351 d. Ratio of Net NPLs to gross TLP (%) 68.02 2.83 3.99 2.56

Classified Loans & Other Risk Assets, gross of allowance for credit losses 2 109 15 9,761

DOSRI Loans and receivables, gross of allowance for credit losses 0 226 2 49 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross 0.00 19.51 3.93 0.09 TLP (%) Gross non-performing DOSRI loans and receivables 0 0 0 0 Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0.00 0.00 0.00 0.00 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 22.68 18.77 39.26 5.11 b. 2% for Medium Enterprises 0.00 25.26 4.81 2.87 Return on Equity (ROE) (%) 0.59 0.72 3.66 12.98 Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 75.88 40.08 65.47 14.73 b. Tier 1 CAR (%) 75.88 39.68 60.38 14.01 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: Supervisory Data Center, Supervision and Examination Sector

II. 70 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2014 In Million Pesos

THRIFT BANKS

SECURITY BANK STERLING BANK OF ACCOUNTS SAMPAGUITA SAVINGS SUN SAVINGS BANK SAVINGS ASIA INC (A SAVINGS BANK INC INC CORPORATION BANK)

ASSETS Cash and Cash Items 3 312 903 8 Due from Bangko Sentral ng Pilipinas 2 1,172 3,964 151 Due from Other Banks 0 728 2,533 9 Financial Assets at Fair Value through Profit or Loss 0 0 4,164 0 Available for Sale Financial Assets, Net 0 18 3,920 55 Held to Maturity (HTM) Financial Assets, Net 0 452 330 0 Unquoted Debt Securities Classified as Loans, Net 0 0 702 0 Investments in Non-Marketable Equity Security, Net 0 0 0 0 Loans and Receivables, Net 26 7,580 15,999 315 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivables 0 0 348 0 Loans and Receivables - Others 26 7,750 15,785 319 Loans and Receivables Arising from Repo, CA/Participation 0 0 0 0 General Loan Loss Provision 0 171 134 3 Other Financial Assets 9 144 239 1 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 0 0 0 0 Bank Premises, Furniture, Fixture and Equipment, Net 15 190 506 7 Real and Other Properties Acquired , Net 25 0 98 0 Non-Current Assets Held for Sale 0 142 0 0 Other Assets, Net 0 345 557 4 Due from Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL ASSETS 80 11,083 33,916 550

LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 0 0 0 0 Deposit Liabilities 18 9,714 29,360 336 Due to Other Banks 0 0 0 0 Bills Payable 0 0 366 105 a) BSP (Rediscounting and Other Advances) 0 0 366 0 b) Interbank Loans Payable 0 0 0 105 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 0 500 0 Redeemable Preferred Shares 0 0 0 0 Special Time Deposit 0 0 0 0 Due to Bangko Sentral ng Pilipinas 0 0 0 0 Other Financial Liabilities 0 75 269 1 Other Liabilities 7 220 1,304 5 Due to Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL LIABILITIES 24 10,009 31,799 447

STOCKHOLDERS' EQUITY Capital Stock 59 2,083 2,195 75 Other Capital Accounts 0 94 (90) 0 Retained Earnings (4) (1,103) 12 28 Assigned Capital 0 0 0 0 TOTAL STOCKHOLDERS' EQUITY 55 1,074 2,117 103

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 80 11,083 33,916 550

II. 71 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2014 In Million Pesos

THRIFT BANKS

SECURITY BANK STERLING BANK OF ACCOUNTS SAMPAGUITA SAVINGS SUN SAVINGS BANK SAVINGS ASIA INC (A SAVINGS BANK INC INC CORPORATION BANK)

CONTINGENT ACCOUNTS Guarantees Issued 0 0 8 0 Financial Standby Letters of Credit 0 0 0 0 Performance Standby Letters of Credit 0 0 42 0 Commercial Letters of Credit 0 0 20 0 Trade Related Guarantees 0 0 0 0 Commitments 0 0 0 0 Spot Foreign Exchange Contracts 0 0 313 0 Securities Held Under Custodianship by Bank Proper 0 0 0 0 Trust Department Accounts 0 0 2,240 0 a) Trust and Other Fudiciary Accounts 0 0 193 0 b) Agency Accounts 0 0 2,047 0 c) Advisory/Consultancy 0 0 0 0 Derivatives 0 0 157 0 Others 0 11 15 0 TOTAL CONTINGENT ACCOUNTS 0 11 2,795 0

OTHER INFORMATION Gross Total Loan Portfolio (TLP) 46 8,192 16,595 325 Specific allowance for credit losses on the TLP 20 441 462 6 Non-Performing Loans (NPL) a. Gross NPLs 25 650 930 9 b. Ratio of gross NPLs to gross TLP (%) 53.82 7.93 5.60 2.85 c. Net NPLs 5 209 468 3 d. Ratio of Net NPLs to gross TLP (%) 9.89 2.55 2.81 1.02

Classified Loans & Other Risk Assets, gross of allowance for credit losses 25 1,080 2,047 7

DOSRI Loans and receivables, gross of allowance for credit losses 0 12 56 0 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross 0.00 0.14 0.33 0.00 TLP (%) Gross non-performing DOSRI loans and receivables 0 0 0 0 Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0.00 0.00 0.00 0.00 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 58.62 1.66 3.41 9.15 b. 2% for Medium Enterprises 9.00 1.23 16.01 2.19 Return on Equity (ROE) (%) 0.00 8.35 2.10 1.17

Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 57.60 12.11 12.07 29.87 b. Tier 1 CAR (%) 57.54 11.22 8.03 28.99 Deferred Charges not yet Written Down 0 0 0 0 Unbooked Allowance for Credit Losses on Financial Instruments Received 0000

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

II. 72 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2014 In Million Pesos

THRIFT BANKS

THE PALAWAN BANK ACCOUNTS TONG YANG SAVINGS TOWER DEVELOPMENT (PALAWAN DEVELOPMENT UCPB SAVINGS BANK BANK INC BANK BANK), INC.

ASSETS Cash and Cash Items 19 30 5 427 Due from Bangko Sentral ng Pilipinas 43 97 16 1,255 Due from Other Banks 10 119 46 370 Financial Assets at Fair Value through Profit or Loss 0 1 0 408 Available for Sale Financial Assets, Net 0 1 0 71 Held to Maturity (HTM) Financial Assets, Net 0 94 0 140 Unquoted Debt Securities Classified as Loans, Net 0 34 0 256 Investments in Non-Marketable Equity Security, Net 0 0 0 0 Loans and Receivables, Net 222 653 211 9,741 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivables 0 0 0 0 Loans and Receivables - Others 224 255 216 9,323 Loans and Receivables Arising from Repo, CA/Participation 0 400 0 500 General Loan Loss Provision 2 2 5 83 Other Financial Assets 11 7 3 90 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 0 0 0 0 Bank Premises, Furniture, Fixture and Equipment, Net 9 102 4 231 Real and Other Properties Acquired , Net 53 0 10 132 Non-Current Assets Held for Sale 0 2 0 0 Other Assets, Net 13 52 9 269 Due from Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL ASSETS 381 1,191 302 13,390

LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 0 0 0 0 Deposit Liabilities 332 796 177 9,956 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 6 6 1 208 Other Liabilities 10 9 4 1,236 Due to Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL LIABILITIES 348 811 182 11,400

STOCKHOLDERS' EQUITY Capital Stock 54 365 67 1,105 Other Capital Accounts 7 (7) 6 (6) Retained Earnings (29) 22 46 892 Assigned Capital 0 0 0 0 TOTAL STOCKHOLDERS' EQUITY 32 381 120 1,990

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 381 1,191 302 13,390

II. 73 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2014 In Million Pesos

THRIFT BANKS

THE PALAWAN BANK ACCOUNTS TONG YANG SAVINGS TOWER DEVELOPMENT (PALAWAN DEVELOPMENT UCPB SAVINGS BANK BANK INC BANK BANK), INC.

CONTINGENT ACCOUNTS Guarantees Issued 0 0 0 0 Financial Standby Letters of Credit 0 0 0 0 Performance Standby Letters of Credit 0 0 0 0 Commercial Letters of Credit 0 0 0 0 Trade Related Guarantees 0 0 0 0 Commitments 0 0 0 0 Spot Foreign Exchange Contracts 0 0 0 0 Securities Held Under Custodianship by Bank Proper 0 0 0 0 Trust Department Accounts 0 0 0 0 a) Trust and Other Fudiciary Accounts 0 0 0 0 b) Agency Accounts 0 0 0 0 c) Advisory/Consultancy 0 0 0 0 Derivatives 0 0 0 0 Others 0 0 0 17 TOTAL CONTINGENT ACCOUNTS 0 0 0 17

OTHER INFORMATION Gross Total Loan Portfolio (TLP) 235 743 218 10,284 Specific allowance for credit losses on the TLP 11 88 2 461 Non-Performing Loans (NPL) a. Gross NPLs 14 120 13 472 b. Ratio of gross NPLs to gross TLP (%) 6.16 16.11 5.88 4.59 c. Net NPLs 3 31 11 11 d. Ratio of Net NPLs to gross TLP (%) 1.46 4.22 4.92 0.11

Classified Loans & Other Risk Assets, gross of allowance for credit losses 0 232 13 2,148 DOSRI Loans and receivables, gross of allowance for credit losses 2 1 19 5 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP 0.89 0.16 8.69 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 13.90 8.41 17.73 8.10 b. 2% for Medium Enterprises 5.19 2.41 19.99 6.33 Return on Equity (ROE) (%) 19.40 (1.70) 5.60 12.80

Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 7.71 40.22 41.55 15.79 b. Tier 1 CAR (%) 6.32 40.22 116.45 15.09 Deferred Charges not yet Written Down 0 0 0 0 Unbooked Allowance for Credit Losses on Financial Instruments Received 0 0 0 0

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

II. 74 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2014 In Million Pesos

THRIFT BANKS

ACCOUNTS UNITED OVERSEAS UNIVERSITY SAVINGS VILLAGE BANK INC WEALTH BANK-A BANK PHILIPPINES BANK (A THRIFT BANK) DEVELOPMENT BANK

ASSETS Cash and Cash Items 3 3 6 230 Due from Bangko Sentral ng Pilipinas 1,034 23 33 1,249 Due from Other Banks 40 195 29 286 Financial Assets at Fair Value through Profit or Loss 0 0 0 0 Available for Sale Financial Assets, Net 493 0 0 387 Held to Maturity (HTM) Financial Assets, Net 0 0 15 0 Unquoted Debt Securities Classified as Loans, Net 0 0 0 572 Investments in Non-Marketable Equity Security, Net 0 0 0 0 Loans and Receivables, Net 718 384 370 3,124 Loans to Bangko Sentral ng Pilipinas 0 0 0 0 Interbank Loans Receivables 0 0 0 0 Loans and Receivables - Others 524 390 372 3,144 Loans and Receivables Arising from Repo, CA/Participation 200 0 0 0 General Loan Loss Provision 6 6 2 20 Other Financial Assets 5 9 1 71 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 0 0 0 0 Bank Premises, Furniture, Fixture and Equipment, Net 34 48 4 37 Real and Other Properties Acquired , Net 0 29 28 58 Non-Current Assets Held for Sale 0 0 0 168 Other Assets, Net 22 12 15 99 Due from Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL ASSETS 2,350 703 502 6,280

LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 0 0 0 0 Deposit Liabilities 587 279 413 5,759 Due to Other Banks 0 0 0 0 Bills Payable 284 0 0 0 a) BSP (Rediscounting and Other Advances) 0 0 0 0 b) Interbank Loans Payable 284 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 12 4 14 27 Other Liabilities 176 23 1 80 Due to Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 0 0 0 TOTAL LIABILITIES 1,060 307 428 5,866

STOCKHOLDERS' EQUITY Capital Stock 1,406 213 62 323 Other Capital Accounts 94 166 4 (1) Retained Earnings (211) 17 8 92 Assigned Capital 0 0 0 0 TOTAL STOCKHOLDERS' EQUITY 1,290 396 75 414

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 2,350 703 502 6,280

II. 75 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2014 In Million Pesos

THRIFT BANKS

ACCOUNTS UNITED OVERSEAS UNIVERSITY SAVINGS VILLAGE BANK INC WEALTH BANK-A BANK PHILIPPINES BANK (A THRIFT BANK) DEVELOPMENT BANK

CONTINGENT ACCOUNTS Guarantees Issued 29 0 0 0 Financial Standby Letters of Credit 0 0 0 0 Performance Standby Letters of Credit 15 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 19 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 2 TOTAL CONTINGENT ACCOUNTS 63 0 0 2

OTHER INFORMATION Gross Total Loan Portfolio (TLP) 1,389 426 388 3,179 Specific allowance for credit losses on the TLP 665 36 16 35 Non-Performing Loans (NPL) a. Gross NPLs 665 27 28 184 b. Ratio of gross NPLs to gross TLP (%) 47.89 6.32 7.24 5.77 c. Net NPLs 12 148 d. Ratio of Net NPLs to gross TLP (%) 3.17 4.67

Classified Loans & Other Risk Assets, gross of allowance for credit losses 767 105 608 78

DOSRI Loans and receivables, gross of allowance for credit losses 0 0 48 20 Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP 0.00 0.00 12.28 0.62 (%) Gross non-performing DOSRI loans and receivables 0 0 0 0 Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0.00 0.00 0.00 0.00 Percent Compliance with Magna Carta (%) a. 8% Micro and Small Enterprises 7.99 27.79 9.66 25.01 b. 2% for Medium Enterprises 8.77 55.98 19.82 25.30 Return on Equity (ROE) (%) (4.44) 8.82 5.92 2.67

Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 123.89 37.76 15.73 10.78 b. Tier 1 CAR (%) 122.20 135.59 15.38 10.14 Deferred Charges not yet Written Down 0 0 0 3 Unbooked Allowance for Credit Losses on Financial Instruments Received 0 0 0 0

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

II. 76 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2014 In Million Pesos

THRIFT BANKS

ACCOUNTS WORLD PARTNERS BANK (A THRIFT BANK)

ASSETS Cash and Cash Items 48 Due from Bangko Sentral ng Pilipinas 236 Due from Other Banks 50 Financial Assets at Fair Value through Profit or Loss 0 Available for Sale Financial Assets, Net 0 Held to Maturity (HTM) Financial Assets, Net 88 Unquoted Debt Securities Classified as Loans, Net 3 Investments in Non-Marketable Equity Security, Net 0 Loans and Receivables, Net 302 Loans to Bangko Sentral ng Pilipinas 0 Interbank Loans Receivables 0 Loans and Receivables - Others 305 Loans and Receivables Arising from Repo, CA/Participation 0 General Loan Loss Provision 3 Other Financial Assets 11 Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 0 Bank Premises, Furniture, Fixture and Equipment, Net 26 Real and Other Properties Acquired , Net 116 Non-Current Assets Held for Sale 0 Other Assets, Net 68 Due from Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 TOTAL ASSETS 947

LIABILITIES Financial Liabilities at Fair Value through Profit or Loss 0 Deposit Liabilities 842 Due to Other Banks 0 Bills Payable 0 a) BSP (Rediscounting and Other Advances) 0 b) Interbank Loans Payable 0 c) Other Deposit Substitutes 0 d) Others 0 Bonds Payable, Net 0 Unsecured Subordinated Debt, Net 0 Redeemable Preferred Shares 0 Special Time Deposit 0 Due to Bangko Sentral ng Pilipinas 0 Other Financial Liabilities 11 Other Liabilities 14 Due to Head Office/Branches/Agencies(Phil branch or Foreign bank) 0 TOTAL LIABILITIES 867

STOCKHOLDERS' EQUITY Capital Stock 207 Other Capital Accounts (29) Retained Earnings (98) Assigned Capital 0 TOTAL STOCKHOLDERS' EQUITY 81

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 947

II. 77 Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2014 In Million Pesos

THRIFT BANKS

ACCOUNTS WORLD PARTNERS BANK (A THRIFT BANK)

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

OTHER INFORMATION Gross Total Loan Portfolio (TLP) 355 Specific allowance for credit losses on the TLP 50 Non-Performing Loans (NPL) a. Gross NPLs 125 b. Ratio of gross NPLs to gross TLP (%) 35.27 c. Net NPLs 75 d. Ratio of Net NPLs to gross TLP (%) 21.07

Classified Loans & Other Risk Assets, gross of allowance for credit losses 152

DOSRI Loans and receivables, gross of allowance for credit losses 91

Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP (%) 25.75

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 28.58 b. 2% for Medium Enterprises 20.84 Return on Equity (ROE) (%) (37.03)

Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations a. Total CAR (%) 10.56 b. Tier 1 CAR (%) 10.13 Deferred Charges not yet Written Down 0 Unbooked Allowance for Credit Losses on Financial Instruments Received 0

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

II. 78 Table 4 INCOME STATEMENT Philippine Banking System 2010 - 2014 In Million Pesos

Selected Accounts 2010 2011 2012 2013 2014 Total Operating Income 358,291 370,671 401,906 450,246 467,053 Net interest income 225,099 238,030 247,849 274,947 321,420 Interest Income 340,708 354,062 359,192 366,726 411,740 Provision for Losses on Accrued Interest Income from Financial Assets 181 283 139 352 454 Less: Interest Expenses 115,429 115,749 111,204 91,428 89,867 Non-interest income 133,193 132,642 154,057 175,299 145,633 Dividend Income 1,549 2,718 2,770 4,289 4,100 Fee-based income 48,902 50,532 55,172 59,983 66,120 Payment Services 2,889 2,584 2,225 2,142 2,496 Intermediation Services 21,490 21,172 22,631 24,094 25,759 Custodianship 386 408 593 817 881 Underwriting and Securities Dealership 187 239 524 169 470 Securitization Activities 0 29 15 13 3 Income from Fiduciary Activities 6,895 7,653 8,381 9,654 9,165 Others 17,055 18,447 20,802 23,094 27,346 Trading Income 68,455 63,172 83,459 96,121 59,137 Profit/(Loss) on Financial Assets and Liabilities Held for Trading 39,000 14,774 (1,091) 6,039 10,071 Foreign Exchange Profit/(Loss) (5,751) 5,026 21,972 18,405 5,631 Profit/(Loss) from Sale/Redemption/Derecognition of Non-Trading Financial Assets and 27,180 35,015 51,700 62,498 19,558 Liabilities Profit/(Loss) from Sale/Derecognition of Non-Financial Assets 7,313 8,092 7,957 8,869 20,460 Profit/(Loss) on Financial Assets and Liabilities Designated at Fair Value through Profit or 693 251 2,894 378 3,419 Loss Profit/(Loss) on Fair Value Adjustment in Hedge Accounting 19 15 27 (68) (1) Other income 14,287 16,220 12,656 14,907 16,276 Non-interest Expense 228,989 241,668 255,945 274,527 292,840 Compensation/Fringe Benefits 79,266 85,735 91,600 96,731 106,188 Taxes and Licenses 22,347 23,167 24,962 27,617 27,757 Fees and Commission 4,127 4,711 5,169 6,910 7,945 Other Administrative Expenses 96,715 100,084 106,484 115,921 126,103 Depreciation/Amortization 19,155 22,838 18,481 19,146 19,736 Impairment Losses 1,163 740 818 3,121 1,390 Provisions 6,213 4,392 8,432 5,081 3,720 Losses/Recoveries on Financial Assets (29,332) (20,223) (20,811) (29,151) (25,706) (24,162) (18,681) (17,999) (27,352) (24,356) Provision for Credit Losses on Loans and Receivables and Other Financial Assets Bad Debts Written Off (6,982) (5,242) (5,439) (4,754) (5,076) Recovery on Charged-Off Assets 1,811 3,699 2,626 2,955 3,725 Net Profit Before Share in the Profit/(Loss) of Unconsolidated Subsidiaries, Associates and 99,970 108,780 125,150 146,568 148,507 Joint Ventures Accounted for Using the Equity Method Share in the Profit/(Loss) of Unconsolidated Subsidiaries, Associates and Joint Ventures 11,161 14,974 16,338 26,602 16,534 Accounted for Using the Equity Method Total Profit/Loss Before Tax and Before Minority Interest 111,132 123,754 141,488 173,171 165,042 Income Tax Expense 19,977 19,025 19,620 28,525 29,474 Total Profit/Loss After Tax and Before Minority Interest 91,155 104,729 121,867 144,646 135,568 Minority Interest in Profit/(Loss) of Subsidiaries 0 0 0 0 0 Net Profit or Loss 91,155 104,729 121,867 144,646 135,568

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

II. 79 Table 4.a INCOME STATEMENT Universal and Commercial Banks 2010 - 2014 In Million Pesos

Selected Accounts 2010 2011 2012 2013 2014 Total Operating Income 300,971 312,279 337,547 376,027 389,245 Net interest income 183,985 194,026 200,922 223,194 261,750 Interest Income 276,198 288,134 289,648 295,497 332,928 Provision for Losses on Accrued Interest Income from Financial Assets 72 187 54 263 346 Less: Interest Expenses 92,142 93,921 88,672 72,040 70,832 Non-interest income 116,986 118,253 136,625 152,833 127,495 Dividend Income 1,546 2,701 2,733 4,279 4,082 Fee-based income 42,075 44,074 47,707 51,616 55,459 Payment Services 2,173 1,695 1,495 1,476 1,852 Intermediation Services 18,333 18,281 18,885 20,002 20,282 Custodianship 386 408 593 817 881 Underwriting and Securities Dealership 187 239 524 169 470 Securitization Activities 0 29 15 13 3 Income from Fiduciary Activities 6,800 7,538 8,252 9,544 9,070 Others 14,197 15,885 17,943 19,597 22,901 Trading Income 62,336 58,271 76,297 85,098 54,740 Profit/(Loss) on Financial Assets and Liabilities Held for Trading 35,571 13,111 (4,875) 151 9,365 Foreign Exchange Profit/(Loss) (5,873) 4,876 21,844 18,222 5,489 Profit/(Loss) from Sale/Redemption/Derecognition of Non-Trading Financial Assets and 25,696 33,413 50,218 59,923 18,495 Liabilities Profit/(Loss) from Sale/Derecognition of Non-Financial Assets 6,242 6,610 6,195 6,487 18,021 Profit/(Loss) on Financial Assets and Liabilities Designated at Fair Value through Profit or 680 247 2,891 377 3,364 Loss Profit/(Loss) on Fair Value Adjustment in Hedge Accounting 19 15 23 (62) 7 Other income 11,029 13,207 9,888 11,840 13,214 Non-interest Expense 186,289 200,217 208,448 223,498 238,993 Compensation/Fringe Benefits 64,501 70,635 75,696 79,401 87,359 Taxes and Licenses 18,879 19,710 21,104 23,103 23,194 Fees and Commission 3,910 4,375 4,601 6,010 7,157 Other Administrative Expenses 78,722 83,038 87,602 95,506 103,555 Depreciation/Amortization 15,812 19,648 14,995 15,026 15,332 Impairment Losses 1,103 437 324 1,956 790 Provisions 3,361 2,374 4,126 2,496 1,606 Losses/Recoveries on Financial Assets (25,557) (17,221) (17,725) (22,245) (19,706) (20,325) (15,513) (14,744) (20,273) (18,001) Provision for Credit Losses on Loans and Receivables and Other Financial Assets Bad Debts Written Off (6,877) (5,126) (5,355) (4,624) (4,879) Recovery on Charged-Off Assets 1,645 3,418 2,374 2,653 3,174 Net Profit Before Share in the Profit/(Loss) of Unconsolidated Subsidiaries, Associates and 89,125 94,841 111,374 130,284 130,547 Joint Ventures Accounted for Using the Equity Method Share in the Profit/(Loss) of Unconsolidated Subsidiaries, Associates and Joint Ventures 11,180 14,880 16,420 26,544 16,431 Accounted for Using the Equity Method Total Profit/Loss Before Tax and Before Minority Interest 100,305 109,721 127,794 156,828 146,977 Income Tax Expense 16,941 17,086 16,826 24,339 25,316 Total Profit/Loss After Tax and Before Minority Interest 83,364 92,635 110,968 132,489 121,661 Minority Interest in Profit/(Loss) of Subsidiaries 0 0 0 0 0 Net Profit or Loss 83,364 92,635 110,968 132,489 121,661

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

II. 80 Table 4.a.1a INCOME STATEMENT Universal Banks 2010 - 2014 In Million Pesos

Selected Accounts 2010 2011 2012 2013 2014 Total Operating Income 251,059 264,904 295,433 331,662 347,542 Net interest income 155,931 163,525 174,596 198,200 233,519 Interest Income 234,274 244,560 253,884 264,117 297,692 Provision for Losses on Accrued Interest Income from Financial Assets 3 28 (163) 38 0 Less: Interest Expenses 78,340 81,008 79,451 65,879 64,172 Non-interest income 95,128 101,380 120,838 133,462 114,023 Dividend Income 1,518 2,681 2,727 4,248 3,992 Fee-based income 34,120 36,937 41,854 45,116 49,069 Payment Services 1,567 1,287 1,278 1,255 1,594 Intermediation Services 14,155 14,716 15,306 15,588 15,873 Custodianship 181 361 472 632 650 Underwriting and Securities Dealership 187 239 524 169 470 Securitization Activities 0 0 0 0 0 Income from Fiduciary Activities 6,194 7,034 7,719 9,001 8,490 Others 11,835 13,300 16,553 18,471 21,992 Trading Income 50,943 50,927 67,921 73,481 49,096 Profit/(Loss) on Financial Assets and Liabilities Held for Trading 30,097 11,442 (4,813) (5,758) 7,701 Foreign Exchange Profit/(Loss) (7,546) 3,045 18,310 19,054 3,607 Profit/(Loss) from Sale/Redemption/Derecognition of Non-Trading Financial Assets and 22,273 30,456 46,264 54,022 17,023 Liabilities Profit/(Loss) from Sale/Derecognition of Non-Financial Assets 5,486 5,722 5,250 5,848 17,394 Profit/(Loss) on Financial Assets and Liabilities Designated at Fair Value through Profit or 615 247 2,885 377 3,364 Loss Profit/(Loss) on Fair Value Adjustment in Hedge Accounting 19 14 23 (62) 7 Other income 8,546 10,835 8,336 10,618 11,866 Non-interest Expense 154,612 167,480 181,965 195,553 208,728 Compensation/Fringe Benefits 54,981 60,159 66,410 69,517 76,545 Taxes and Licenses 15,132 16,281 18,464 20,293 20,356 Fees and Commission 3,357 3,922 4,111 5,257 6,159 Other Administrative Expenses 64,903 68,460 75,868 83,323 89,838 Depreciation/Amortization 12,751 16,382 13,182 13,279 13,417 Impairment Losses 1,086 433 296 1,945 186 Provisions 2,402 1,844 3,634 1,940 2,226 Losses/Recoveries on Financial Assets (19,410) (13,781) (15,244) (19,701) (17,463) (17,045) (12,447) (13,802) (18,981) (17,137) Provision for Credit Losses on Loans and Receivables and Other Financial Assets Bad Debts Written Off (3,288) (2,782) (3,152) (2,604) (2,655) Recovery on Charged-Off Assets 922 1,447 1,710 1,884 2,330 Net Profit Before Share in the Profit/(Loss) of Unconsolidated Subsidiaries, Associates and 77,036 83,643 98,224 116,408 121,352 Joint Ventures Accounted for Using the Equity Method Share in the Profit/(Loss) of Unconsolidated Subsidiaries, Associates and Joint Ventures 11,180 14,866 16,423 26,542 16,413 Accounted for Using the Equity Method Total Profit/Loss Before Tax and Before Minority Interest 88,216 98,510 114,646 142,951 137,766 Income Tax Expense 13,556 14,308 13,233 19,465 21,837 Total Profit/Loss After Tax and Before Minority Interest 74,660 84,202 101,413 123,485 115,929 Minority Interest in Profit/(Loss) of Subsidiaries 0 0 0 0 0 Net Profit or Loss 74,660 84,202 101,413 123,485 115,929

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

II. 81 Table 4.a.1b INCOME STATEMENT Commercial Banks 2010 - 2014 In Million Pesos

Selected Accounts 2010 2011 2012 2013 2014 Total Operating Income 49,912 47,374 42,114 44,364 41,703 Net interest income 28,054 30,501 26,327 24,994 28,231 Interest Income 41,924 43,574 35,764 31,380 35,236 Provision for Losses on Accrued Interest Income from Financial Assets 69 159 217 225 346 Less: Interest Expenses 13,801 12,914 9,220 6,161 6,660 Non-interest income 21,858 16,873 15,788 19,370 13,472 Dividend Income 27 19 6 31 90 Fee-based income 7,955 7,138 5,853 6,500 6,390 Payment Services 606 408 216 221 258 Intermediation Services 4,177 3,565 3,579 4,414 4,409 Custodianship 204 47 121 184 231 Underwriting and Securities Dealership 0 0 0 0 0 Securitization Activities 0 29 15 13 3 Income from Fiduciary Activities 606 503 533 542 580 Others 2,362 2,584 1,390 1,126 909 Trading Income 11,393 7,345 8,377 11,617 5,644 Profit/(Loss) on Financial Assets and Liabilities Held for Trading 5,474 1,669 (62) 5,909 1,664 Foreign Exchange Profit/(Loss) 1,673 1,831 3,534 (832) 1,881 Profit/(Loss) from Sale/Redemption/Derecognition of Non-Trading Financial Assets and 3,423 2,956 3,954 5,901 1,472 Liabilities Profit/(Loss) from Sale/Derecognition of Non-Financial Assets 756 888 945 638 626 Profit/(Loss) on Financial Assets and Liabilities Designated at Fair Value through Profit or 66 0 6 0 0 Loss Profit/(Loss) on Fair Value Adjustment in Hedge Accounting 0 1 0 0 0 Other income 2,483 2,371 1,552 1,222 1,348 Non-interest Expense 31,677 32,738 26,483 27,945 30,265 Compensation/Fringe Benefits 9,520 10,476 9,286 9,884 10,815 Taxes and Licenses 3,748 3,429 2,640 2,811 2,837 Fees and Commission 552 453 489 753 998 Other Administrative Expenses 13,819 14,578 11,734 12,183 13,717 Depreciation/Amortization 3,061 3,266 1,814 1,747 1,914 Impairment Losses 17 5 28 11 604 Provisions 959 530 492 556 (620) Losses/Recoveries on Financial Assets (6,147) (3,440) (2,481) (2,544) (2,243) (3,281) (3,067) (942) (1,292) (864) Provision for Credit Losses on Loans and Receivables and Other Financial Assets Bad Debts Written Off (3,589) (2,344) (2,203) (2,020) (2,223) Recovery on Charged-Off Assets 723 1,970 664 769 844 Net Profit Before Share in the Profit/(Loss) of Unconsolidated Subsidiaries, Associates and 12,089 11,196 13,150 13,876 9,194 Joint Ventures Accounted for Using the Equity Method Share in the Profit/(Loss) of Unconsolidated Subsidiaries, Associates and Joint Ventures 0 14 (3) 2 17 Accounted for Using the Equity Method Total Profit/Loss Before Tax and Before Minority Interest 12,089 11,210 13,148 13,877 9,212 Income Tax Expense 3,385 2,778 3,593 4,874 3,479 Total Profit/Loss After Tax and Before Minority Interest 8,704 8,432 9,555 9,003 5,732 Minority Interest in Profit/(Loss) of Subsidiaries 0 0 0 0 0 Net Profit or Loss 8,704 8,432 9,555 9,003 5,732

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

II. 82 Table 4.a.2a INCOME STATEMENT Private Domestic Universal and Commercial Banks 2010 - 2014 In Million Pesos

Selected Accounts 2010 2011 2012 2013 2014 Total Operating Income 215,738 220,557 249,064 274,486 293,283 Net interest income 129,904 134,991 140,885 163,704 194,587 Interest Income 201,109 207,201 210,467 219,684 249,091 Provision for Losses on Accrued Interest Income from Financial Assets 52 165 43 250 339 Less: Interest Expenses 71,153 72,045 69,539 55,730 54,165 Non-interest income 85,834 85,566 108,179 110,782 98,696 Dividend Income 645 689 807 1,495 1,297 Fee-based income 29,016 32,190 34,887 38,739 42,904 Payment Services 1,219 964 883 886 1,201 Intermediation Services 10,435 11,289 11,736 12,577 13,460 Custodianship 1 1 0 0 0 Underwriting and Securities Dealership 2 1 1 2 176 Securitization Activities 0 29 15 13 3 Income from Fiduciary Activities 5,325 6,461 7,268 8,565 8,311 Others 12,033 13,446 14,984 16,695 19,752 Trading Income 48,397 45,363 65,245 61,139 43,897 Profit/(Loss) on Financial Assets and Liabilities Held for Trading 21,844 5,353 9,747 433 4,218 Foreign Exchange Profit/(Loss) (1,602) 4,999 2,534 7,570 2,898 Profit/(Loss) from Sale/Redemption/Derecognition of Non-Trading Financial Assets and 21,883 29,189 44,384 46,811 16,007 Liabilities Profit/(Loss) from Sale/Derecognition of Non-Financial Assets 5,679 5,593 5,672 5,960 17,412 Profit/(Loss) on Financial Assets and Liabilities Designated at Fair Value through Profit or 593 232 2,907 364 3,360 Loss Profit/(Loss) on Fair Value Adjustment in Hedge Accounting 0 (4) 1 2 1 Other income 7,776 7,324 7,239 9,409 10,599 Non-interest Expense 133,277 141,315 155,159 165,759 177,641 Compensation/Fringe Benefits 46,752 51,559 56,873 59,126 65,685 Taxes and Licenses 12,973 13,823 15,345 16,654 17,112 Fees and Commission 1,012 1,121 1,222 2,366 3,251 Other Administrative Expenses 56,062 58,904 64,617 70,244 76,157 Depreciation/Amortization 12,343 13,204 12,832 12,958 13,155 Impairment Losses 1,003 386 281 1,938 704 Provisions 3,132 2,317 3,989 2,471 1,577 Losses/Recoveries on Financial Assets (20,043) (11,381) (12,836) (16,236) (14,194) (20,523) (12,108) (13,554) (17,099) (15,409) Provision for Credit Losses on Loans and Receivables and Other Financial Assets Bad Debts Written Off 0 (21) 0 0 (0) Recovery on Charged-Off Assets 481 747 718 863 1,215 Net Profit Before Share in the Profit/(Loss) of Unconsolidated Subsidiaries, Associates and 62,418 67,861 81,069 92,491 101,449 Joint Ventures Accounted for Using the Equity Method Share in the Profit/(Loss) of Unconsolidated Subsidiaries, Associates and Joint Ventures 11,192 14,862 16,401 26,535 16,518 Accounted for Using the Equity Method Total Profit/Loss Before Tax and Before Minority Interest 73,610 82,723 97,470 119,026 117,967 Income Tax Expense 12,480 11,411 10,856 15,355 19,484 Total Profit/Loss After Tax and Before Minority Interest 61,130 71,312 86,614 103,671 98,482 Minority Interest in Profit/(Loss) of Subsidiaries 0 0 0 0 0 Net Profit or Loss 61,130 71,312 86,614 103,671 98,482

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

II. 83 Table 4.a.2b INCOME STATEMENT Government Banks 1/ 2010 - 2014 In Million Pesos

Selected Accounts 2010 2011 2012 2013 2014 Total Operating Income 36,983 37,994 38,830 48,028 45,976 Net interest income 28,969 28,477 28,748 31,002 36,361 Interest Income 42,199 42,539 41,227 42,425 47,942 Provision for Losses on Accrued Interest Income from Financial Assets 0 0 0 0 0 Less: Interest Expenses 13,229 14,062 12,479 11,423 11,581 Non-interest income 8,014 9,517 10,082 17,026 9,615 Dividend Income 856 1,481 1,477 1,825 1,901 Fee-based income 1,712 1,597 1,403 1,498 1,745 Payment Services 221 155 177 131 124 Intermediation Services 484 348 308 286 392 Custodianship 0 0 0 0 0 Underwriting and Securities Dealership 181 166 54 107 99 Securitization Activities 0 0 0 0 0 Income from Fiduciary Activities 235 300 256 266 241 Others 591 628 610 709 889 Trading Income 4,622 5,387 5,969 12,430 4,912 Profit/(Loss) on Financial Assets and Liabilities Held for Trading 8,749 3,219 (15,143) (10,344) (392) Foreign Exchange Profit/(Loss) (6,277) (2,195) 16,176 10,668 2,361 Profit/(Loss) from Sale/Redemption/Derecognition of Non-Trading Financial Assets and 1,669 3,444 4,577 11,765 2,368 Liabilities Profit/(Loss) from Sale/Derecognition of Non-Financial Assets 481 918 360 341 576 Profit/(Loss) on Financial Assets and Liabilities Designated at Fair Value through Profit or 0 0 0 0 0 Loss Profit/(Loss) on Fair Value Adjustment in Hedge Accounting 0 0 0 0 0 Other income 824 1,052 1,232 1,273 1,057 Non-interest Expense 22,956 23,065 22,818 25,566 26,942 Compensation/Fringe Benefits 8,402 9,101 8,984 9,867 10,460 Taxes and Licenses 2,549 2,321 2,379 2,967 2,589 Fees and Commission 1,950 1,971 1,939 1,973 2,151 Other Administrative Expenses 7,464 7,666 8,151 9,674 10,592 Depreciation/Amortization 2,509 1,962 1,235 1,056 1,110 Impairment Losses 83 43 15 7 35 Provisions 0 0 115 22 7 Losses/Recoveries on Financial Assets 81 (887) (416) (1,810) (320) 2 (976) (496) (1,931) (573) Provision for Credit Losses on Loans and Receivables and Other Financial Assets Bad Debts Written Off (1) (1) (7) (0) (0) Recovery on Charged-Off Assets 80 89 87 121 253 Net Profit Before Share in the Profit/(Loss) of Unconsolidated Subsidiaries, Associates and 14,109 14,043 15,596 20,652 18,714 Joint Ventures Accounted for Using the Equity Method Share in the Profit/(Loss) of Unconsolidated Subsidiaries, Associates and Joint Ventures (12) 18 19 9 (87) Accounted for Using the Equity Method Total Profit/Loss Before Tax and Before Minority Interest 14,097 14,061 15,615 20,661 18,627 Income Tax Expense 1,429 1,056 1,428 3,725 2,127 Total Profit/Loss After Tax and Before Minority Interest 12,668 13,005 14,187 16,936 16,499 Minority Interest in Profit/(Loss) of Subsidiaries 0 0 0 0 0 Net Profit or Loss 12,668 13,005 14,187 16,936 16,499

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

II. 84 Table 4.a.2c INCOME STATEMENT Foreign Bank Branches (Universal/Commercial Bank) 2010 - 2014 In Million Pesos

Selected Accounts 2010 2011 2012 2013 2014 Total Operating Income 44,637 49,534 44,769 47,882 43,901 Net interest income 22,417 27,375 27,826 24,541 25,896 Interest Income 29,023 34,225 33,358 28,281 30,045 Provision for Losses on Accrued Interest Income from Financial Assets 0 11 0 (2) (9) Less: Interest Expenses 6,605 6,839 5,531 3,743 4,158 Non-interest income 22,220 22,159 16,943 23,341 18,005 Dividend Income 45 530 446 958 883 Fee-based income 11,031 9,979 11,052 10,720 10,255 Payment Services 733 576 435 459 527 Intermediation Services 7,192 6,456 6,550 6,589 6,054 Custodianship 385 407 593 816 881 Underwriting and Securities Dealership 4 72 469 59 194 Securitization Activities 0 0 0 0 0 Income from Fiduciary Activities 1,225 756 707 695 498 Others 1,491 1,712 2,298 2,102 2,101 Trading Income 8,959 7,165 4,418 10,680 5,576 Profit/(Loss) on Financial Assets and Liabilities Held for Trading 4,816 4,231 311 9,520 5,248 Foreign Exchange Profit/(Loss) 2,010 2,149 3,141 (52) 228 Profit/(Loss) from Sale/Redemption/Derecognition of Non-Trading Financial Assets and 2,062 723 902 1,252 113 Liabilities Profit/(Loss) from Sale/Derecognition of Non-Financial Assets 30 28 58 11 (23) Profit/(Loss) on Financial Assets and Liabilities Designated at Fair Value through Profit or 22 15 (16) 13 4 Loss Profit/(Loss) on Fair Value Adjustment in Hedge Accounting 19 19 23 (64) 5 Other income 2,184 4,485 1,027 983 1,291 Non-interest Expense 27,472 29,461 27,278 28,031 29,802 Compensation/Fringe Benefits 8,277 8,728 8,535 8,793 9,423 Taxes and Licenses 3,118 3,308 3,073 3,097 3,133 Fees and Commission 832 1,164 1,301 1,477 1,570 Other Administrative Expenses 14,261 15,471 13,661 13,977 14,964 Depreciation/Amortization 766 724 688 684 688 Impairment Losses 1 4 0 0 0 Provisions 217 62 21 3 22 Losses/Recoveries on Financial Assets (5,219) (4,551) (4,179) (3,749) (4,656) 572 (931) (384) (722) (1,413) Provision for Credit Losses on Loans and Receivables and Other Financial Assets Bad Debts Written Off (6,876) (5,104) (5,348) (4,624) (4,878) Recovery on Charged-Off Assets 1,085 1,485 1,553 1,597 1,635 Net Profit Before Share in the Profit/(Loss) of Unconsolidated Subsidiaries, Associates and 11,946 15,523 13,312 16,102 9,444 Joint Ventures Accounted for Using the Equity Method Share in the Profit/(Loss) of Unconsolidated Subsidiaries, Associates and Joint Ventures 0 0 0 0 0 Accounted for Using the Equity Method Total Profit/Loss Before Tax and Before Minority Interest 11,946 15,523 13,312 16,102 9,444 Income Tax Expense 2,791 4,350 4,150 4,919 3,234 Total Profit/Loss After Tax and Before Minority Interest 9,155 11,173 9,162 11,183 6,209 Minority Interest in Profit/(Loss) of Subsidiaries 0 0 0 0 0 Net Profit or Loss 9,155 11,173 9,162 11,183 6,209

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

II. 85 Table 4.a.2d INCOME STATEMENT Foreign Bank Subsidiaries (Universal/Commercial Bank) 2010 - 2014 In Million Pesos

Selected Accounts 2010 2011 2012 2013 2014 Total Operating Income 3,613 4,193 4,884 5,631 6,085 Net interest income 2,694 3,182 3,463 3,948 4,905 Interest Income 3,868 4,169 4,596 5,107 5,850 Provision for Losses on Accrued Interest Income from Financial Assets 20 11 11 15 16 Less: Interest Expenses 1,154 976 1,122 1,145 928 Non-interest income 919 1,011 1,421 1,684 1,179 Dividend Income 1 1 2 1 1 Fee-based income 317 308 365 659 555 Payment Services 0 0 0 0 0 Intermediation Services 222 188 292 550 376 Custodianship 0 0 0 0 0 Underwriting and Securities Dealership 0 0 0 0 0 Securitization Activities 0 0 0 0 0 Income from Fiduciary Activities 14 20 22 17 20 Others 81 99 51 92 159 Trading Income 358 357 665 849 356 Profit/(Loss) on Financial Assets and Liabilities Held for Trading 161 307 211 542 292 Foreign Exchange Profit/(Loss) (5) (77) (6) 37 2 Profit/(Loss) from Sale/Redemption/Derecognition of Non-Trading Financial Assets and 83 56 356 95 7 Liabilities Profit/(Loss) from Sale/Derecognition of Non-Financial Assets 52 71 105 175 56 Profit/(Loss) on Financial Assets and Liabilities Designated at Fair Value through Profit or 66 0 0 0 0 Loss Profit/(Loss) on Fair Value Adjustment in Hedge Accounting 0 0 0 0 0 Other income 244 345 390 176 267 Non-interest Expense 2,584 2,846 3,193 4,143 4,608 Compensation/Fringe Benefits 1,070 1,247 1,303 1,615 1,791 Taxes and Licenses 240 257 307 385 360 Fees and Commission 115 119 139 193 185 Other Administrative Expenses 937 997 1,173 1,610 1,842 Depreciation/Amortization 194 226 240 328 379 Impairment Losses 16 5 28 11 51 Provisions 12 (5) 1 0 0 Losses/Recoveries on Financial Assets (376) (403) (294) (450) (536) (376) (1,498) (311) (521) (607) Provision for Credit Losses on Loans and Receivables and Other Financial Assets Bad Debts Written Off 0 0 0 0 0 Recovery on Charged-Off Assets 0 1,095 17 72 71 Net Profit Before Share in the Profit/(Loss) of Unconsolidated Subsidiaries, Associates and 653 944 1,398 1,039 940 Joint Ventures Accounted for Using the Equity Method Share in the Profit/(Loss) of Unconsolidated Subsidiaries, Associates and Joint Ventures 0 0 0 0 0 Accounted for Using the Equity Method Total Profit/Loss Before Tax and Before Minority Interest 653 944 1,398 1,039 940 Income Tax Expense 242 269 393 340 470 Total Profit/Loss After Tax and Before Minority Interest 411 675 1,005 699 470 Minority Interest in Profit/(Loss) of Subsidiaries 0 0 0 0 0 Net Profit or Loss 411 675 1,005 699 470

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

II. 86 Table 4.b INCOME STATEMENT Thrift Banks 2010 - 2014 In Million Pesos

Selected Accounts 2010 2011 2012 2013 2014 Total Operating Income 37,188 37,982 41,955 50,996 52,634 Net interest income 25,496 28,437 29,903 34,076 40,806 Interest Income 41,881 43,498 45,860 47,721 54,319 Provision for Losses on Accrued Interest Income from Financial Assets 74 48 82 87 92 Less: Interest Expenses 16,312 15,013 15,876 13,557 13,422 Non-interest income 11,692 9,546 12,052 16,920 11,828 Dividend Income 3 16 35 5 11 Fee-based income 4,538 4,005 4,610 5,800 7,091 Payment Services 303 262 316 264 279 Intermediation Services 2,340 2,184 2,571 2,855 3,364 Custodianship 0 0 0 0 0 Underwriting and Securities Dealership 0 0 0 0 0 Securitization Activities 0 0 0 0 0 Income from Fiduciary Activities 95 114 129 110 95 Others 1,799 1,444 1,593 2,571 3,354 Trading Income 5,777 4,422 6,315 9,884 3,445 Profit/(Loss) on Financial Assets and Liabilities Held for Trading 3,429 1,658 3,784 5,876 700 Foreign Exchange Profit/(Loss) 122 152 132 180 139 Profit/(Loss) from Sale/Redemption/Derecognition of Non-Trading Financial Assets and 1,467 1,581 1,386 2,379 979 Liabilities Profit/(Loss) from Sale/Derecognition of Non-Financial Assets 746 1,027 1,007 1,455 1,583 Profit/(Loss) on Financial Assets and Liabilities Designated at Fair Value through Profit or 13 4 3 1 52 Loss Profit/(Loss) on Fair Value Adjustment in Hedge Accounting 0 0 4 (7) (7) Other income 1,375 1,102 1,092 1,231 1,280 Non-interest Expense 27,135 25,831 29,086 33,021 35,205 Compensation/Fringe Benefits 8,663 8,851 9,269 10,284 11,207 Taxes and Licenses 2,426 2,412 2,638 3,139 3,005 Fees and Commission 96 170 251 414 485 Other Administrative Expenses 12,198 11,026 12,682 14,342 15,856 Depreciation/Amortization 2,344 2,175 2,357 2,953 3,199 Impairment Losses 5 11 87 756 71 Provisions 1,402 1,187 1,802 1,134 1,381 Losses/Recoveries on Financial Assets (3,315) (1,874) (2,675) (4,973) (4,134) (3,378) (2,041) (2,826) (5,157) (4,425) Provision for Credit Losses on Loans and Receivables and Other Financial Assets Bad Debts Written Off (48) (30) (36) (34) (125) Recovery on Charged-Off Assets 111 196 186 219 415 Net Profit Before Share in the Profit/(Loss) of Unconsolidated Subsidiaries, Associates and 6,738 10,277 10,194 13,002 13,294 Joint Ventures Accounted for Using the Equity Method Share in the Profit/(Loss) of Unconsolidated Subsidiaries, Associates and Joint Ventures (19) 94 (82) 57 101 Accounted for Using the Equity Method Total Profit/Loss Before Tax and Before Minority Interest 6,720 10,371 10,112 13,059 13,395 Income Tax Expense 2,209 1,109 1,794 3,263 3,109 Total Profit/Loss After Tax and Before Minority Interest 4,511 9,262 8,318 9,796 10,287 Minority Interest in Profit/(Loss) of Subsidiaries 0 0 0 0 0 Net Profit or Loss 4,511 9,262 8,318 9,796 10,287

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

II. 87 Table 4.c INCOME STATEMENT Rural and Cooperative Banks 2010 - 2014 In Million Pesos

Selected Accounts 2010 2011 2012 2013 2014 Total Operating Income 20,132 20,410 22,404 23,223 25,174 Net interest income 15,618 15,567 17,024 17,676 18,864 Interest Income 22,629 22,430 23,684 23,508 24,493 Provision for Losses on Accrued Interest Income from Financial Assets 35 48 3 2 16 Less: Interest Expenses 6,975 6,815 6,656 5,830 5,613 Non-interest income 4,515 4,843 5,380 5,547 6,310 Dividend Income 0 1 2 5 7 Fee-based income 2,289 2,453 2,855 2,567 3,570 Payment Services 413 627 414 403 365 Intermediation Services 817 707 1,175 1,237 2,113 Custodianship 0 0 0 0 0 Underwriting and Securities Dealership 0 0 0 0 0 Securitization Activities 0 0 0 0 0 Income from Fiduciary Activities 0 1 0 0 0 Others 1,059 1,118 1,266 927 1,092 Trading Income 342 479 847 1,139 952 Profit/(Loss) on Financial Assets and Liabilities Held for Trading 0 5 0 12 6 Foreign Exchange Profit/(Loss) 0 (2) (4) 3 3 Profit/(Loss) from Sale/Redemption/Derecognition of Non-Trading Financial Assets and 17 21 96 196 84 Liabilities Profit/(Loss) from Sale/Derecognition of Non-Financial Assets 325 455 755 927 856 Profit/(Loss) on Financial Assets and Liabilities Designated at Fair Value through Profit or 0 0 0 0 2 Loss Profit/(Loss) on Fair Value Adjustment in Hedge Accounting 0 0 0 0 0 Other income 1,883 1,911 1,676 1,836 1,782 Non-interest Expense 15,565 15,619 18,411 18,007 18,641 Compensation/Fringe Benefits 6,102 6,249 6,635 7,047 7,622 Taxes and Licenses 1,042 1,045 1,220 1,375 1,558 Fees and Commission 121 166 317 486 303 Other Administrative Expenses 5,795 6,020 6,200 6,073 6,691 Depreciation/Amortization 999 1,015 1,129 1,167 1,206 Impairment Losses 55 292 407 409 528 Provisions 1,450 831 2,504 1,450 733 Losses/Recoveries on Financial Assets (460) (1,128) (411) (1,934) (1,866) (459) (1,127) (429) (1,921) (1,929) Provision for Credit Losses on Loans and Receivables and Other Financial Assets Bad Debts Written Off (57) (86) (48) (96) (72) Recovery on Charged-Off Assets 55 85 66 83 136 Net Profit Before Share in the Profit/(Loss) of Unconsolidated Subsidiaries, Associates and 4,107 3,663 3,582 3,283 4,667 Joint Ventures Accounted for Using the Equity Method Share in the Profit/(Loss) of Unconsolidated Subsidiaries, Associates and Joint Ventures 0 0 0 1 2 Accounted for Using the Equity Method Total Profit/Loss Before Tax and Before Minority Interest 4,107 3,663 3,582 3,284 4,669 Income Tax Expense 827 830 1,000 922 1,049 Total Profit/Loss After Tax and Before Minority Interest 3,280 2,834 2,581 2,361 3,620 Minority Interest in Profit/(Loss) of Subsidiaries 0 0 0 0 0 Net Profit or Loss 3,280 2,834 2,581 2,361 3,620

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

II. 88 Table 5 SUMMARY REPORT ON COMPLIANCE WITH AGRI-AGRA CREDIT UNDER P.D. 717 The Philippine Banking System 2009 - 2014 In Million Pesos

2014 1/ SELECTED ACCOUNTS 2009 2010 2011 1/ 2012 1/ 2013 1/ 3.31 6.30 9.30 12.31

Total Loanable Funds Generated 2,511,028 2,950,139 633,632 1,135,434 1,794,780 1,780,340 2,033,791 1,985,599 2,151,713

Minimum Requirements 10% for Agrarian Reform 251,103 295,014 63,363 113,543 179,478 178,034 203,379 198,560 215,171 15% for Agricultural / Other Credits 376,654 442,521 95,045 170,315 269,217 267,051 305,069 297,840 322,757 25% Total 627,757 737,535 158,408 283,858 448,695 445,085 508,448 496,400 537,928

Compliance/Utilization 10% for Agrarian Reform 228,015 248,135 28,059 23,583 25,175 27,285 25,466 31,746 32,134 15% for Agricultural / Other Credits 342,972 312,049 204,476 246,470 278,760 296,467 335,605 304,918 326,538 25% Total 570,987 560,184 232,535 270,053 303,934 323,753 361,071 336,664 358,673

Of which: Alternative Compliance 10% for Agrarian Reform 162,211 165,531 1,818 1,993 973 1,413 1,479 5,426 5,306 15% for Agricultural / Other Credits 27,572 35,746 88,543 136,653 176,708 179,707 186,870 152,734 176,990 25% Total 189,784 201,277 90,361 138,646 177,682 181,120 188,349 158,161 182,297

Excess/(Deficiency) 10% for Agrarian Reform (23,087) (46,879) (35,305) (89,960) (154,738) (151,098) (178,277) (167,602) (183,756) 15% for Agricultural / Other Credits (33,682) (130,472) 109,431 76,155 9,977 29,765 30,901 7,866 4,501 25% Total (56,770) (177,351) 74,127 (13,806) (144,761) (121,332) (147,377) (159,736) (179,256)

Compliance Ratio (%) 10% for Agrarian Reform 9.08 8.41 4.43 2.08 1.38 1.51 1.23 1.56 1.46 15% for Agricultural / Other Credits 13.66 10.58 32.27 21.71 15.56 16.67 16.52 15.40 15.21 25% Total 22.74 18.99 36.70 23.79 16.93 18.18 17.75 16.96 16.67

1/ Republic Act No. 10000

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

II. 89 Table 5.a SUMMARY REPORT ON COMPLIANCE WITH AGRI-AGRA CREDIT UNDER P.D. 717 Universal and Commercial Banks 2009 - 2014 In Million Pesos

2014 1/ SELECTED ACCOUNTS 2009 2010 2011 1/ 2012 1/ 2013 1/ 3.31 6.30 9.30 12.31

Total Loanable Funds Generated 2,101,549 2,476,451 565,234 1,046,841 1,568,710 1,540,301 1,878,992 1,783,494 1,933,371

Minimum Requirements 10% for Agrarian Reform 210,155 247,645 56,523 104,684 156,871 154,030 187,899 178,349 193,337 15% for Agricultural / Other Credits 315,232 371,468 84,785 157,026 235,306 231,045 281,849 267,524 290,006 25% Total 525,387 619,113 141,309 261,710 392,177 385,075 469,748 445,873 483,343

Compliance/Utilization 10% for Agrarian Reform 172,124 192,222 17,395 10,700 14,085 14,871 14,117 19,681 19,627 15% for Agricultural / Other Credits 276,156 260,784 171,990 209,657 251,438 234,869 303,012 271,174 294,953 25% Total 448,280 453,006 189,385 220,357 265,523 249,740 317,129 290,855 314,580

Of which: Alternative Compliance 10% for Agrarian Reform 119,993 124,487 1,522 767 463 874 1,196 5,188 5,042 15% for Agricultural / Other Credits 21,272 29,768 85,760 132,754 170,682 173,674 181,331 148,450 172,297 25% Total 141,265 154,255 87,282 133,521 171,144 174,549 182,527 153,638 177,339

Excess/(Deficiency) 10% for Agrarian Reform (38,031) (55,423) (39,129) (93,984) (142,972) (139,260) (173,938) (159,242) (174,184) 15% for Agricultural / Other Credits (39,076) (110,683) 87,205 52,631 16,318 3,924 21,319 4,224 5,421 25% Total (77,107) (166,106) 48,076 (41,353) (126,654) (135,336) (152,619) (155,018) (168,763)

Compliance Ratio (%) 10% for Agrarian Reform 8.19 7.76 3.08 1.02 0.89 0.96 0.74 1.07 0.99 15% for Agricultural / Other Credits 13.14 10.53 30.43 20.03 16.04 15.25 16.13 15.24 15.28 25% Total 21.33 18.29 33.51 21.05 16.93 16.21 16.88 16.31 16.27

1/ Republic Act No. 10000

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

II. 90 Table 5.b SUMMARY REPORT ON COMPLIANCE WITH AGRI-AGRA CREDIT UNDER P.D. 717 Thrift Banks 2009 - 2014 In Million Pesos

2014 1/ SELECTED ACCOUNTS 2009 2010 2011 1/ 2012 1/ 2013 1/ 3.31 6.30 9.30 12.31

Total Loanable Funds Generated 293,032 343,182 44,107 52,445 193,612 193,783 108,071 152,203 167,481

Minimum Requirements 10% for Agrarian Reform 29,303 34,318 4,411 5,245 19,361 19,378 10,807 15,220 16,748 15% for Agricultural / Other Credits 43,955 51,477 6,616 7,867 29,042 29,068 16,211 22,830 25,122 25% Total 73,258 85,795 11,027 13,111 48,403 48,446 27,018 38,051 41,870

Compliance/Utilization 10% for Agrarian Reform 38,337 36,833 2,031 2,586 2,945 3,010 2,389 2,791 2,886 15% for Agricultural / Other Credits 38,050 23,936 16,435 17,906 13,031 41,509 13,517 13,821 14,415 25% Total 76,387 60,769 18,466 20,492 15,976 44,519 15,906 16,612 17,300

Of which: Alternative Compliance 10% for Agrarian Reform 36,555 34,980 16 456 298 283 14 14 14 15% for Agricultural / Other Credits 4,649 4,325 2,107 3,200 5,852 5,801 5,326 4,075 4,469 25% Total 41,204 39,305 2,123 3,656 6,150 6,084 5,340 4,089 4,483

Excess/(Deficiency) 10% for Agrarian Reform 9,034 2,515 (2,379) (2,659) (16,482) (16,436) (8,507) (12,520) (13,880) 15% for Agricultural / Other Credits (5,905) (27,541) 9,819 10,039 (15,946) 12,509 (2,604) (8,919) (10,690) 25% Total 3,129 (25,026) 7,440 7,380 (32,427) (3,927) (11,112) (21,439) (24,570)

Compliance Ratio (%) 10% for Agrarian Reform 13.08 10.73 4.61 4.93 1.49 1.52 2.13 1.77 1.71 15% for Agricultural / Other Credits 12.98 6.97 37.26 34.14 6.76 21.46 12.59 9.14 8.62 25% Total 26.07 17.71 41.87 39.07 8.25 22.97 14.72 10.91 10.33

1/ Republic Act No. 10000

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

II. 91 Table 5.c SUMMARY REPORT ON COMPLIANCE WITH AGRI-AGRA CREDIT UNDER P.D. 717 Rural and Cooperative Banks 2009 - 2014 In Million Pesos

2014 1/ SELECTED ACCOUNTS 2009 2010 2011 1/ 2012 1/ 2013 1/ 3.31 6.30 9.30 12.31

Total Loanable Funds Generated 116,446 130,506 24,291 36,148 32,459 46,256 46,727 49,903 50,861

Minimum Requirements 10% for Agrarian Reform 11,645 13,051 2,429 3,615 3,246 4,626 4,673 4,990 5,086 15% for Agricultural / Other Credits 17,467 19,576 3,644 5,422 4,869 6,938 7,009 7,485 7,629 25% Total 29,112 32,626 6,073 9,037 8,115 11,564 11,682 12,476 12,715

Compliance/Utilization 10% for Agrarian Reform 17,554 19,080 8,633 10,297 8,145 9,405 8,960 9,275 9,622 15% for Agricultural / Other Credits 28,766 27,328 16,051 18,907 14,291 20,090 19,076 19,923 17,170 25% Total 46,320 46,408 24,684 29,204 22,436 29,494 28,036 29,197 26,792

Of which: Alternative Compliance 10% for Agrarian Reform 5,664 6,064 280 770 213 256 268 224 250 15% for Agricultural / Other Credits 1,651 1,654 676 699 175 232 213 209 224 25% Total 7,315 7,718 956 1,469 388 488 482 434 475

Excess/(Deficiency) 10% for Agrarian Reform 5,910 6,029 6,203 6,682 4,716 4,598 4,168 4,160 4,308 15% for Agricultural / Other Credits 11,299 7,753 12,407 13,485 9,605 13,332 12,186 12,561 9,770 25% Total 17,209 13,782 18,611 20,167 14,321 17,930 16,354 16,721 14,077

Compliance Ratio (%) 10% for Agrarian Reform 15.07 14.62 35.54 28.49 24.53 19.94 18.92 18.34 18.47 15% for Agricultural / Other Credits 24.70 20.94 66.08 52.30 44.59 43.82 41.08 40.17 34.21 25% Total 39.77 35.56 101.62 80.79 69.12 63.76 60.00 58.51 52.68

1/ Republic Act No. 10000

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

II. 92 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 2010 - 2014 In Million Pesos 2014 SELECTED ACCOUNTS 2010 2011 2012 2013 3.31 6.30 9.30 12.31

Total Loan Portfolio (Net of Exclusions) 1,881,138 2,303,436 2,912,347 3,309,653 3,588,899 3,663,571 3,837,922 4,003,526

MICRO, SMALL AND MEDIUM ENTERPRISES CREDIT (8% and 2%) Direct Compliance 305,947 340,352 385,644 385,152 383,786 382,934 394,160 438,609 Alternative Compliance 2,607 2,770 2,037 1,879 1,771 1,850 2,059 1,564 Excess compliance of a bank/s used by another bank/s 0 5,794 0 0 0 0 0 0 Total Eligible Investment for MSMEs 308,554 348,915 387,681 387,031 385,557 384,783 396,219 440,173 Minimum Amount Required to be Allocated 188,114 230,344 291,235 330,965 358,890 366,357 383,792 400,353 Percent of Compliance (%) 16.40 15.15 13.31 11.69 10.74 10.50 10.32 10.99

MICRO AND SMALL ENTERPRISES (MSEs) CREDIT ( 8% ) Direct Compliance 156,556 165,774 184,340 183,539 183,278 169,548 176,506 194,833 Alternative Compliance 2,555 2,617 1,849 1,547 1,402 1,475 1,678 1,258 Excess compliance of a bank/s used by another bank/s 0 5,829 0 0 0 0 0 0 Total Eligible Investment for MSEs 159,111 174,220 186,189 185,086 184,680 171,023 178,184 196,091 Minimum Amount Required to be Allocated 150,491 184,275 232,988 264,772 287,112 293,086 307,034 320,282 Percent of Compliance (%) 8.46 7.56 6.39 5.59 5.15 4.67 4.64 4.90

MEDIUM ENTERPRISES (MEs) CREDIT ( 2% ) Direct Compliance 149,391 174,578 201,304 201,612 200,507 213,386 217,654 243,776 Alternative Compliance 52 152 188 332 370 374 381 306 Excess compliance of a bank/s used by another bank/s 0 (36) 0 0 0 0 0 0 Total Eligible Investment for MEs 149,443 174,694 201,493 201,944 200,877 213,760 218,035 244,082 Minimum Amount Required to be Allocated 37,623 46,069 58,247 66,193 71,778 73,271 76,758 80,071 Percent of Compliance (%) 7.94 7.58 6.92 6.10 5.60 5.83 5.68 6.10

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

Source: Supervisory Data Center, Supervision and Examination Sector

II. 93 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 2010 - 2014 In Million Pesos

2014 SELECTED ACCOUNTS 2010 2011 2012 2013 3.31 6.30 9.30 12.31

Total Loan Portfolio (Net of Exclusions) 1,575,336 1,969,464 2,492,795 2,832,477 3,060,006 3,109,338 3,253,557 3,410,648

MICRO, SMALL AND MEDIUM ENTERPRISES CREDIT (8% and 2%) Direct Compliance 222,463 252,236 288,534 284,056 273,086 276,961 284,155 321,559 Alternative Compliance 2,463 2,605 1,756 1,274 1,269 1,261 1,418 912 Excess compliance of a bank/s used by another bank/s 3,016 5,794 9,339 10,637 10,449 11,422 9,445 9,859 Total Eligible Investment for MSMEs 227,941 254,840 299,628 285,331 274,355 278,222 285,573 322,471 Minimum Amount Required to be Allocated 157,534 196,946 249,280 283,248 306,001 310,934 325,356 341,065 Percent of Compliance (%) 14.47 12.94 12.02 10.45 9.31 9.32 9.07 9.74

MICRO AND SMALL ENTERPRISES (MSEs) CREDIT ( 8% ) Direct Compliance 100,975 105,578 120,847 117,850 109,613 105,052 110,124 123,983 Alternative Compliance 2,456 2,505 1,645 1,142 1,122 1,121 1,278 861 Excess compliance of a bank/s used by another bank/s 3,016 5,829 9,339 10,637 10,449 11,422 9,445 9,859 Total Eligible Investment for MSEs 106,447 113,913 131,831 129,629 121,184 117,595 120,847 134,703 Minimum Amount Required to be Allocated 126,027 157,557 199,424 226,598 244,800 248,747 260,285 272,852 Percent of Compliance (%) 6.76 5.78 5.29 4.58 3.96 3.78 3.71 3.95

MEDIUM ENTERPRISES (MEs) CREDIT ( 2% ) Direct Compliance 121,487 146,657 167,687 166,207 163,473 171,909 174,031 197,576 Alternative Compliance 7 100 111 132 147 140 140 52 Excess compliance of a bank/s used by another bank/s 0 (36) 0 0 0 (0) 0 0 Total Eligible Investment for MEs 121,494 146,721 167,798 166,339 163,619 172,049 174,171 197,627 Minimum Amount Required to be Allocated 31,507 39,389 49,856 56,650 61,200 62,187 65,071 68,213 Percent of Compliance (%) 7.71 7.45 6.73 5.87 5.34 5.53 5.35 5.79

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

II. 94 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 2010 - 2014 In Million Pesos

2014 SELECTED ACCOUNTS 2010 2011 2012 2013 3.31 6.30 9.30 12.31

Total Loan Portfolio (Net of Exclusions) 256,953 288,170 354,972 423,654 446,500 458,697 483,180 491,014

MICRO, SMALL AND MEDIUM ENTERPRISES CREDIT (8% and 2%) Direct Compliance 60,884 69,816 76,655 81,269 82,289 77,106 78,363 82,699 Alternative Compliance 105 94 222 482 359 440 435 435 Excess compliance of a bank/s used by another bank/s (2,892) 0 (9,339) (10,637) (10,449) (11,422) (9,445) (9,859) Total Eligible Investment for MSMEs 58,097 69,909 67,538 81,751 82,649 77,546 78,798 83,134 Minimum Amount Required to be Allocated 25,695 28,817 35,497 42,365 44,650 45,870 48,318 49,101 Percent of Compliance (%) 22.61 24.26 19.03 16.79 16.17 14.42 14.35 14.92

MICRO AND SMALL ENTERPRISES (MSEs) CREDIT ( 8% ) Direct Compliance 38,830 46,686 49,131 51,761 52,617 43,100 43,707 45,647 Alternative Compliance 85 71 186 393 263 334 330 329 Excess compliance of a bank/s used by another bank/s (2,892) 0 (9,339) (10,637) (10,449) (11,422) (9,445) (9,859) Total Eligible Investment for MSEs 36,023 46,757 39,979 41,517 42,430 32,012 34,592 36,117 Minimum Amount Required to be Allocated 20,556 23,054 28,398 33,892 35,720 36,696 38,654 39,281 Percent of Compliance (%) 14.02 16.23 11.26 9.80 9.50 6.98 7.16 7.36

MEDIUM ENTERPRISES (MEs) CREDIT ( 2% ) Direct Compliance 22,054 23,130 27,524 29,508 29,673 34,006 34,656 37,052 Alternative Compliance 19 23 35 89 97 106 105 106 Excess compliance of a bank/s used by another bank/s 0 0 0 0 0 0 0 0 Total Eligible Investment for MEs 22,074 23,153 27,559 29,596 29,769 34,112 34,761 37,158 Minimum Amount Required to be Allocated 5,139 5,763 7,099 8,473 8,930 9,174 9,664 9,820 Percent of Compliance (%) 8.59 8.03 7.76 6.99 6.69 7.44 7.19 7.57

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

Source: Supervisory Data Center, Supervision and Examination Sector

II. 95 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 2010 - 2014 In Million Pesos

2014 SELECTED ACCOUNTS 2010 2011 2012 2013 3.31 6.30 9.30 12.31

Total Loan Portfolio (Net of Exclusions) 48,850 45,803 64,580 53,522 82,393 95,537 101,185 101,864

MICRO, SMALL AND MEDIUM ENTERPRISES CREDIT (8% and 2%) Direct Compliance 22,600 18,300 20,456 19,826 28,410 28,867 31,642 34,351 Alternative Compliance 40 71 59 123 143 149 205 217 Excess compliance of a bank/s used by another bank/s (124) 000000 0 Total Eligible Investment for MSMEs 22,516 18,371 20,515 19,949 28,554 29,016 31,848 34,568 Minimum Amount Required to be Allocated 4,885 4,580 6,458 5,352 8,239 9,554 10,118 10,186 Percent of Compliance (%) 46.09 40.11 31.77 37.27 34.66 30.37 31.47 33.94

MICRO AND SMALL ENTERPRISES (MSEs) CREDIT ( 8% ) Direct Compliance 16,751 13,510 14,362 13,928 21,048 21,396 22,676 25,203 Alternative Compliance 14 41 17 12 18 21 69 68 Excess compliance of a bank/s used by another bank/s (124) 000000 0 Total Eligible Investment for MSEs 16,641 13,551 14,379 13,940 21,066 21,416 22,745 25,271 Minimum Amount Required to be Allocated 3,908 3,664 5,166 4,282 6,591 7,643 8,095 8,149 Percent of Compliance (%) 34.07 29.58 22.27 26.04 25.57 22.42 22.48 24.81

MEDIUM ENTERPRISES (MEs) CREDIT ( 2% ) Direct Compliance 5,849 4,791 6,094 5,898 7,362 7,471 8,967 9,148 Alternative Compliance 26 30 42 111 126 128 136 149 Excess compliance of a bank/s used by another bank/s 0 0 0 0 0 0 0 0 Total Eligible Investment for MEs 5,875 4,821 6,136 6,009 7,488 7,599 9,103 9,297 Minimum Amount Required to be Allocated 977 916 1,292 1,070 1,648 1,911 2,024 2,037 Percent of Compliance (%) 12.03 10.52 9.50 11.23 9.09 7.95 9.00 9.13

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

Source: Supervisory Data Center, Supervision and Examination Sector

II. 96 Table 7 PHILIPPINE FOREIGN CURRENCY DEPOSIT SYSTEM BALANCE SHEET The Philippine Banking System* 2010 - 2014 In Million US$

2014 BALANCE SHEET ACCOUNTS 2010 2011 2012 2013 3.31 6.30 9.30 12.31

ASSETS 29,688 30,095 33,327 35,378 35,894 37,474 37,718 41,665

Cash on Hand 206 211 249 265 230 229 224 278 Checks and Other Cash Items 39 29 41 18 32 34 36 27 Due from Bangko Sentral ng Pilipinas 0 53 0 0 0 0 0 0 Due from Other Banks 3,149 3,156 2,972 3,867 3,917 4,614 5,019 5,522 Financial Assets Held for Trading (HFT) 756 580 1,821 1,306 1,905 1,826 1,588 3,183 Financial Assets Designated at Fair Value through Profit or Loss 24 106 26 28 28 28 26 29 Available-for-Sale (AFS) Financial Assets - Net 8,713 9,900 10,927 11,831 9,440 9,973 11,188 9,230 Held-to-Maturity (HTM) Financial Assets - Net 5,197 4,244 4,305 2,710 4,461 4,285 2,770 5,381 Unquoted Debt Securities Classified as Loans - Net 1,128 1,122 911 804 814 878 860 648 Loan Portfolio - Net 9,796 9,845 11,240 13,511 14,112 14,598 15,168 16,530 Derivatives with Positive Fair Value Held for Hedging 0 0 0 0 0 0 0 0 Accrued Interest Income from Financial Assets - Net 283 285 283 295 255 279 270 315 Real and Other Properties Acquired - Net 0 0 1 0 0 0 0 0 Non-Current Assets Held for Sale 00000000 Deferred Tax Asset 10000000 Other Assets - Net 397 563 550 744 699 730 569 524

LIABILITIES AND CAPITAL 29,688 30,095 33,327 35,378 35,894 37,473 37,718 41,665

Liabilities 28,563 28,831 31,687 34,754 35,586 36,880 36,897 40,546

Financial Liabilities Held for Trading 79 109 103 98 129 103 142 227 Financial Liabilities Designated at Fair Value through Profit or Loss 00000000 Deposit Liabilities 24,946 24,201 25,175 25,910 27,449 29,848 30,509 31,789 Due to Other Banks 619 445 290 813 713 561 364 819 Bills Payable 1,434 2,274 2,828 4,538 4,073 3,455 3,320 4,691 Bonds Payable - Net 548 846 1,422 1,422 1,423 1,423 1,423 1,423 Unsecured Subordinated Debt - Net 150 0 0 0 0 0 0 0 Derivatives with Negative Fair Value Held for Hedging 6 6 5 3 2 2 2 2 Accrued Interest Expense on Financial Liabilities 65 66 86 78 60 85 70 93 Due to Treasurer of the Philippines 11111111 Payment Orders Payable 22 10 15 13 12 12 20 20 Due to Bangko Sentral ng Pilipinas 00000000 Due to Philippine Deposit Insurance Corporation 2 2 2 2 2 3 2 3 Income Tax Payable 22335122 Other Taxes and Licenses Payable 56000000 Accrued Expenses 22233344 Unearned Income 15 17 16 15 11 10 10 10 Deferred Tax Liabilities 00000000 Other Liabilities 156 165 119 187 158 206 227 337 Due to Head Office/Branches/Agencies - Net * 440 672 1,578 1,006 1,240 1,003 701 1,164 Due to FCDU/RBU - Net ** 72 9 43 661 305 164 102 (38)

Capital Accounts 1,125 1,264 1,639 625 308 593 821 1,119

Other Equity Instruments 351 351 351 351 351 351 351 351 Retained Earnings 207 275 301 72 25 25 25 79 Undivided Profits 590 533 686 624 206 409 632 612 Other Comprehensive Income (24) 105 301 (422) (274) (192) (187) 77

*/ Covers universal, commercial and thrift banks only

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

** / Net of Due from FCDU/RBU

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

II. 97 Table 7.a PHILIPPINE FOREIGN CURRENCY DEPOSIT SYSTEM BALANCE SHEET Universal and Commercial Banks 2010 - 2014 In Million US$

2014 BALANCE SHEET ACCOUNTS 2010 2011 2012 2013 3.31 6.30 9.30 12.31

ASSETS 28,494 28,823 32,110 34,339 34,857 36,426 36,675 40,603

Cash on Hand 190 194 234 253 219 218 213 267 Checks and Other Cash Items 38 28 40 16 31 34 35 25 Due from Bangko Sentral ng Pilipinas 0 53 0 0 0 0 0 0 Due from Other Banks 2,835 2,804 2,625 3,373 3,479 4,207 4,625 5,098 Financial Assets Held for Trading (HFT) 701 537 1,749 1,236 1,858 1,796 1,576 3,160

Financial Assets Designated at Fair Value through Profit or Loss 23 106 26 28 28 28 26 27 Available-for-Sale (AFS) Financial Assets - Net 8,362 9,296 10,461 11,545 9,161 9,631 10,799 8,950 Held-to-Maturity (HTM) Financial Assets - Net 4,974 4,089 4,124 2,633 4,383 4,189 2,717 5,188 Unquoted Debt Securities Classified as Loans - Net 1,127 1,120 911 804 814 878 860 648 Loan Portfolio - Net 9,592 9,768 11,127 13,427 13,939 14,453 14,995 16,417 Derivatives with Positive Fair Value Held for Hedging 0 0 0 0 0 0 0 0 Accrued Interest Income from Financial Assets - Net 270 270 272 286 250 269 264 305 Real and Other Properties Acquired - Net 0 0 1 0 0 0 0 0 Non-Current Assets Held for Sale 00000000 Deferred Tax Asset 10000000 Other Assets - Net 384 557 539 737 696 725 564 518

LIABILITIES AND CAPITAL 28,494 28,823 32,110 34,339 34,857 36,426 36,675 40,603

Liabilities 27,394 27,603 30,515 33,712 34,541 35,829 35,854 39,490

Financial Liabilities Held for Trading 78 109 103 98 129 103 142 227 Financial Liabilities Designated at Fair Value through Profit or Loss 00000000 Deposit Liabilities 23,815 22,991 24,024 24,912 26,458 28,845 29,506 30,780 Due to Other Banks 619 445 290 813 713 561 364 819 Bills Payable 1,407 2,272 2,823 4,534 4,065 3,447 3,311 4,673 Bonds Payable - Net 548 846 1,422 1,422 1,423 1,423 1,423 1,423 Unsecured Subordinated Debt - Net 150 0 0 0 0 0 0 0 Derivatives with Negative Fair Value Held for Hedging 6 6 5 3 2 2 2 1 Accrued Interest Expense on Financial Liabilities 63 65 84 77 59 83 69 92 Due to Treasurer of the Philippines 11111111 Payment Orders Payable 21 9 14 13 11 11 20 20 Due to Bangko Sentral ng Pilipinas 00000000 Due to Philippine Deposit Insurance Corporation 2 2 2 2 2 3 2 3 Income Tax Payable 22335122 Other Taxes and Licenses Payable 56000000 Accrued Expenses 22122223 Unearned Income 15 17 16 15 11 10 10 10 Deferred Tax Liabilities 00000000 Other Liabilities 152 158 110 172 149 191 216 327 Due to Head Office/Branches/Agencies - Net * 440 672 1,578 1,006 1,240 1,003 701 1,164 Due to FCDU/RBU - Net ** 69 2 39 638 269 142 84 (54)

Capital Accounts 1,100 1,220 1,595 627 316 597 821 1,113

Other Equity Instruments 351 351 351 351 351 351 351 351 Retained Earnings 207 274 300 68 22 22 22 77 Undivided Profits 556 495 648 612 205 406 627 605 Other Comprehensive Income (14) 100 296 (404) (261) (181) (179) 79

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

** / Net of Due from FCDU/RBU

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

II. 98 Table 7.b PHILIPPINE FOREIGN CURRENCY DEPOSIT SYSTEM BALANCE SHEET Thrift Banks 2010 - 2014 In Million US$

2014 BALANCE SHEET ACCOUNTS 2010 2011 2012 2013 3.31 6.30 9.30 12.31

ASSETS 1,193 1,272 1,216 1,039 1,037 1,047 1,043 1,062

Cash on Hand 17 17 15 12 11 11 11 11 Checks and Other Cash Items 11111111 Due from Bangko Sentral ng Pilipinas 0 0 0 0 0 0 0 0 Due from Other Banks 314 352 346 494 439 407 394 424 Financial Assets Held for Trading (HFT) 55 43 72 70 47 30 11 22 Financial Assets Designated at Fair Value through Profit or Loss 10000002 Available-for-Sale (AFS) Financial Assets - Net 351 604 466 286 279 342 389 280 Held-to-Maturity (HTM) Financial Assets - Net 223 155 181 77 78 97 53 192 Unquoted Debt Securities Classified as Loans - Net 2 2 0 0 0 0 0 0 Loan Portfolio - Net 204 77 113 84 173 146 173 113 Derivatives with Positive Fair Value Held for Hedging 0 0 0 0 0 0 0 0 Accrued Interest Income from Financial Assets - Net 14 15 11 9 5 10 6 10 Real and Other Properties Acquired - Net 0 0 0 0 0 0 0 0 Non-Current Assets Held for Sale 00000000 Deferred Tax Asset 00000000 Other Assets - Net 13 6 10 7 3 5 5 6

LIABILITIES AND CAPITAL 1,193 1,272 1,216 1,039 1,037 1,047 1,043 1,062

Liabilities 1,169 1,228 1,172 1,041 1,045 1,052 1,043 1,056

Financial Liabilities Held for Trading 00000000 Financial Liabilities Designated at Fair Value through Profit or Loss 00000000 Deposit Liabilities 1,132 1,210 1,151 997 990 1,004 1,003 1,009 Due to Other Banks 00000000 Bills Payable 27 2 5 3 8 8 9 18 Bonds Payable - Net 00000000 Unsecured Subordinated Debt - Net 00000000 Derivatives with Negative Fair Value Held for Hedging 0 0 0 0 0 0 0 0 Accrued Interest Expense on Financial Liabilities 2 1 1 1 1 1 1 1 Due to Treasurer of the Philippines 00000000 Payment Orders Payable 11100000 Due to Bangko Sentral ng Pilipinas 00000000 Due to Philippine Deposit Insurance Corporation 0 0 0 0 0 0 0 0 Income Tax Payable 00000000 Other Taxes and Licenses Payable 00000000 Accrued Expenses 00111111 Unearned Income 00000000 Deferred Tax Liabilities 00000000 Other Liabilities 4 7 10 14 9 15 10 10 Due to Head Office/Branches/Agencies - Net * 0 0 0 0 0 0 0 0 Due to FCDU/RBU - Net ** 3 7 3 23 36 23 19 16

Capital Accounts 24 44 44 (2) (8) (5) 0 6

Other Equity Instruments 00000000 Retained Earnings 01044332 Undivided Profits 34 38 38 12 1 3 6 7 Other Comprehensive Income (10) 5 6 (18) (13) (11) (8) (3)

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

** / Net of Due from FCDU/RBU

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

II. 99 Table 8 TRUST AND FUND MANAGEMENT OPERATIONS Philippine Banking System as of December 2014 In Million Pesos

2014 Accounts 2012 2013 3.31 6.30 9.30 12.31 TOTAL ASSETS 3,094,138 2,482,688 2,441,413 2,464,727 2,524,658 2,529,603 Cash and Due from Banks 1,294,930 371,375 416,512 439,767 467,746 356,557 Cash on Hand, Checks and Other Cash Items 0 0 0 0 3 0 Due from BSP 1,294,930 371,375 416,512 439,767 467,743 356,557 Deposits in Banks 288,935 516,089 437,539 406,121 404,262 492,797 Financial Assets, gross (net of amortization) 916,670 1,152,128 1,141,972 1,156,940 1,176,917 1,206,056 Accumulated Market Gains/Losses 116,309 73,544 82,082 89,193 98,871 100,630 Allowance for Credit Losses 576 668 666 706 631 572 Financial Assets, net 1,032,403 1,225,004 1,223,388 1,245,428 1,275,157 1,306,114 Loans, gross 85,917 48,932 53,785 48,508 48,732 47,340 Allowance for probable losses 3,433 2,096 1,665 1,497 1,394 1,495 Loans, net 82,484 46,835 52,120 47,010 47,337 45,845 Equity Investments, gross 73,699 75,887 75,354 73,912 75,791 75,372 Allowance for probable losses 983 1,822 1,823 2,149 2,149 2,863 Accumulated Market Gain/(Loss) 0 0 0 0 0 0 Equity Investments, net 72,715 74,066 73,531 71,763 73,642 72,509 Real and Other Properties Acquired, net 160 165 157 160 142 167 Other assets 322,512 249,155 238,166 254,478 256,371 255,613 TOTAL ACCOUNTABILITIES 3,094,138 2,482,688 2,441,413 2,464,727 2,524,658 2,529,603 Trust 969,601 1,367,347 1,391,774 1,426,755 1,475,125 1,448,467 UITF 199,857 567,291 577,845 603,199 621,259 596,092 Employee Benefit 248,324 267,080 275,259 288,189 294,095 301,694 Pre-Need 112,839 107,778 107,973 107,122 108,700 108,774 Others-Institutional Accounts 62,131 71,870 65,786 59,072 65,737 51,502 Personal Trust 336,514 342,266 353,402 357,632 365,960 371,774 Personal Pension Fund 0 0 0 0 0 0 Personal Retirement Fund 121 197 257 245 236 235 Others-Individual Accounts 9,815 10,865 11,251 11,296 19,139 18,396 Agency 1,490,387 638,156 589,711 584,370 592,985 634,619 Employee Benefit 45,917 47,132 49,486 49,690 50,574 50,789 Pre-Need 822 672 743 873 1,093 1,370 Others-Institutional Agency Accounts 644,899 330,823 320,096 323,764 337,920 375,019 Personal Pension Fund 0 1 1 1 0 0 Personal Retirement Fund 0 0 0 2 2 2 Others-Individual Agency Accounts 798,749 259,528 219,386 210,040 203,395 207,440 Other Fiduciary Services 618,461 467,618 450,444 447,321 450,001 440,239 UITF 5,917 6,537 6,179 6,213 6,151 6,868 Others 612,544 461,081 444,265 441,108 443,850 433,371 Advisory/Consultancy 0 0 0 0 0 0 Special Purpose Trust 15,690 9,567 9,485 6,282 6,547 6,277

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

II. 100 Table 8.a TRUST AND FUND MANAGEMENT OPERATIONS Universal and Commercial Banks as of December 2014 In Million Pesos

2014 Accounts 2012 2013 3.31 6.30 9.30 12.31 TOTAL ASSETS 3,054,176 2,454,428 2,410,152 2,435,130 2,492,618 2,499,435 Cash and Due from Banks 1,267,705 367,273 411,642 434,147 461,346 351,055 Cash on Hand, Checks and Other Cash Items 0 0 0 0 0 0 Due from BSP 1,267,705 367,273 411,642 434,147 461,346 351,055 Deposits in Banks 286,996 512,089 433,220 401,716 399,722 487,091 Financial Assets, gross (net of amortization) 907,973 1,135,184 1,124,618 1,141,165 1,160,984 1,190,889 Accumulated Market Gains/Losses 115,864 71,511 78,689 86,666 95,033 100,111 Allowance for Credit Losses 576 668 666 706 631 572 Financial Assets, net 1,023,260 1,206,027 1,202,641 1,227,125 1,255,387 1,290,428 Loans, gross 84,987 48,290 53,007 47,744 47,924 46,701 Allowance for probable losses 3,408 2,072 1,638 1,475 1,372 1,474 Loans, net 81,579 46,218 51,369 46,268 46,552 45,226 Equity Investments, gross 73,391 75,579 75,154 73,712 75,591 75,172 Allowance for probable losses 983 1,822 1,823 2,149 2,149 2,863 Accumulated Market Gain/(Loss) 00 0 0 0 0 Equity Investments, net 72,407 73,758 73,331 71,563 73,442 72,309 Real and Other Properties Acquired, net 160 165 157 160 142 167 Other assets 322,069 248,900 237,793 254,151 256,027 253,158 TOTAL ACCOUNTABILITIES 3,054,176 2,454,428 2,410,152 2,435,130 2,492,618 2,499,435 Trust 963,698 1,355,069 1,378,050 1,413,197 1,460,530 1,434,534 UITF 199,792 563,034 571,179 595,448 612,383 587,870 Employee Benefit 246,365 263,019 272,087 285,783 291,687 299,315 Pre-Need 112,256 107,221 107,464 106,659 108,262 108,315 Others-Institutional Accounts 62,101 71,846 65,766 59,055 65,724 51,502 Personal Trust 333,248 338,887 350,046 354,712 363,100 368,902 Personal Pension Fund 00 0 0 0 0 Personal Retirement Fund 121 197 257 245 236 235 Others-Individual Accounts 9,815 10,865 11,250 11,296 19,139 18,396 Agency 1,465,094 622,907 572,933 568,871 576,049 618,840 Employee Benefit 45,810 47,027 49,310 49,620 50,504 50,718 Pre-Need 822 672 743 873 1,093 1,370 Others-Institutional Agency Accounts 636,055 326,567 315,496 321,008 334,829 371,662 Personal Pension Fund 01 1 1 0 0 Personal Retirement Fund 00 0 2 2 2 Others-Individual Agency Accounts 782,408 248,640 207,383 197,367 189,621 195,088 Other Fiduciary Services 609,695 466,885 449,685 446,781 449,492 439,784 UITF 5,917 6,537 6,179 6,213 6,151 6,868 Others 603,778 460,348 443,506 440,568 443,342 432,916 Advisory/Consultancy 00 0 0 0 0 Special Purpose Trust 15,690 9,567 9,485 6,282 6,547 6,277

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

II. 101 Table 8.b TRUST AND FUND MANAGEMENT OPERATIONS Thrift Banks as of December 2014 In Million Pesos

2014 Accounts 2012 2013 3.31 6.30 9.30 12.31 TOTAL ASSETS 39,962 28,260 31,261 29,597 32,040 30,168 Cash and Due from Banks 27,225 4,102 4,870 5,619 6,400 5,502 Cash on Hand, Checks and Other Cash Items 0 0 0 0 3 0 Due from BSP 27,225 4,102 4,870 5,619 6,397 5,502 Deposits in Banks 1,939 4,000 4,319 4,405 4,540 5,705 Financial Assets, gross (net of amortization) 8,698 16,944 17,354 15,776 15,932 15,168 Accumulated Market Gains/Losses 445 2,033 3,392 2,527 3,838 519 Allowance for Credit Losses 0 0 0 0 0 0 Financial Assets, net 9,143 18,977 20,747 18,303 19,770 15,687 Loans, gross 930 641 778 764 808 639 Allowance for probable losses 25 24 26 22 22 21 Loans, net 905 617 752 742 785 619 Equity Investments, gross 308 308 200 200 200 200 Allowance for probable losses 0 0 0 0 0 0 Accumulated Market Gain/(Loss) 0 0 0 0 0 0 Equity Investments, net 308 308 200 200 200 200 Real and Other Properties Acquired, net 0 0 0 0 0 0 Other assets 443 255 373 328 344 2,455 TOTAL ACCOUNTABILITIES 39,962 28,260 31,261 29,597 32,040 30,168 Trust 5,904 12,278 13,724 13,558 14,595 13,934 UITF 65 4,256 6,666 7,751 8,876 8,222 Employee Benefit 1,959 4,061 3,172 2,407 2,408 2,379 Pre-Need 584 556 509 462 439 459 Others-Institutional Accounts 30 25 20 17 13 1 Personal Trust 3,266 3,379 3,356 2,921 2,860 2,872 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 25,293 15,249 16,778 15,499 16,936 15,779 Employee Benefit 107 105 176 70 70 71 Pre-Need 0 0 0 0 0 0 Others-Institutional Agency Accounts 8,845 4,257 4,599 2,756 3,091 3,357 Personal Pension Fund 0 0 0 0 0 0 Personal Retirement Fund 0 0 0 0 0 0 Others-Individual Agency Accounts 16,341 10,887 12,003 12,673 13,775 12,352 Other Fiduciary Services 8,766 733 759 540 509 455 UITF 0 0 0 0 0 0 Others 8,766 733 759 540 509 455 Advisory/Consultancy 0 0 0 0 0 0 Special Purpose Trust 0 0 0 0 0 0

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

II. 102

Part III

Directory of the Philippine Banking System

Table 1 DIRECTORY OF HEAD OFFICES OF THE PHILIPPINE BANKING SYSTEM As of December 31, 2014 Name of Bank Address I.a Universal and Commercial Banks 1.a.1 Universal Banks Private Domestic Banks 1 . Asia United Bank Corporation JN Building Joy Nostalg Center, 17 ADB Avenue, Ortigas Center, Pasig City 2 . BDO Unibank, Inc. BDO Corporate Center, 7899 Makati Avenue, Makati City 3 . Bank of the Philippine Islands BPI Building, Ayala Avenue corner Paseo de Roxas, Makati City 0720 4 . China Banking Corporation 8745 Paseo de Roxas corner 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, Makati City 1200 7 . Philippine National Bank PNB Financial Center, Pres. Diosdado Macapagal Blvd., Pasay City 1305 1000 Philtrust Bank Building, United Nations Avenue corner San Marcelino Street, 8 . Philippine Trust Company Paco Manila 1007 9 . Rizal Commercial Banking Corporation 46th Floor, Yuchengco Tower, RCBC Plaza, 6819 Ayala Avenue, Makati City 0727 10 . Security Bank Corporation Security Bank Centre, 6776 Ayala Avenue, Makati City 0719 Union Bank Plaza, Meralco Avenue corner Onyx and Sapphire Roads, Pasig City 11 . Union Bank of the Philippines 1605 12 . United Coconut Planters Bank UCPB Building, 7907 Makati Avenue, Makati City 0728

Foreign Bank Branches 1 . ANZ Banking Group Ltd. 9th Floor Metrobank Card Corp. Center, 6778 Ayala Avenue, Makati City 2 . Deutsche Bank AG 26th Floor Ayala Tower One, Ayala Triangle, Makati City 1226 25th Floor, The Zuellig Building, Makati Avenue corner Paseo de Roxas, 1225 Makati 3 . Mizuho Bank, Ltd. -Manila Branch City 4 . The Hongkong and Shanghai Banking Corporation HSBC Centre, 3058 5th Avenue West, Bonifacio Global City, Taguig City 1634 21st Floor Tower One and Exchange Plaza, Ayala Triangle, Ayala Avenue, Makati 5 . ING BANK N.V. City 1226 6 . Standard Chartered Bank The Sky Plaza Building, 6788 Ayala Avenue, Makati City 1226

Government Banks 1 . Al-Amanah Islamic Investment Bank of the Philippines PHIDCO A. Building Veterans Avenue, Zamboanga City 2 . Development Bank of the Philippines Sen. Gil. J. Puyat Avenue corner Makati Avenue Makati City LandBank Plaza Building, 1598 M. H. Del Pilar corner Dr. J. Quintos Streets, Malate, 3 . Land Bank of the Philippines Manila 1004

1.a.2 Commercial Banks

Private Domestic Banks

1 . Bank of Commerce San Miguel Properties Centre (SMPC), 7 Saint Francis Street, Mandaluyong City 1550

BDO Private Bank 2nd Floor, BDO Equitable Tower, 8751 Paseo De Roxas, Makati 2 . BDO Private Bank, Inc. City 3 . Philippine Bank of Communications 5th Floor PBCom Tower, 6795 Ayala Avenue, Makati City 1200 PVB Building, 101 V. A. Rufino corner Dela Rosa Streets, Legaspi Village, Makati City 4 . Philippine Veterans Bank 1229 17th Floor Galleria Corporate Center, EDSA corner Ortigas Avenue, 1110 Quezon 5 . Robinsons Bank Corporation City

Foreign Bank Subsidiaries

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

Foreign Bank Branches

1 . Bangkok Bank Public Co. Ltd. 10th Floor The Enterprise Center, Tower 2, 6766 Ayala Avenue, Makati City 2 . Bank of America, N.A. 27th Floor Philamlife Tower, 8767 Paseo de Roxas, Makati City 1226 3 . Bank of China Limited-Manila Branch 36th Floor Philamlife Tower, 8767 Paseo de Roxas, Makati City 4 . Citibank, N.A. 9th Floor Citibank Tower, 8741 Paseo de Roxas Street, Makati City 1226

5 . JP Morgan Chase Bank, N.A. 30th Floor Zuellig Building, Makati Avenue corner Paseo de Roxas, Makati City 1225

6 . Korea Exchange Bank 21st Floor, Zuellig Building, Makati Avenue corner Paseo de Roxas Street, Makati City

7 . Mega International Commercial Bank Co., Ltd. 3rd Floor Pacific Star Building, Sen. Gil Puyat Ave., Makati City 8 . The Bank of Tokyo-Mitsubishi UFJ, Ltd. 15th Floor Makati Sky Plaza Building 6788 Ayala Avenue, Makati City 1226

Source: Supervisory Data Center, Supervision and Examination Sector

III. 1 1.b Thrift Banks

Name of Bank Address

1 . 1st Valley Bank, Inc. (A Development Bank) Vamenta Boulevard, corner Lirio Street, Carmen, 9000 Cagayan de Oro City

16th Floor North Tower, BDO Corporate Center, 7899 Makati Avenue, Makati 2 . Banco de Oro Savings Bank, Inc. City 3 . Bank One Savings and Trust Corporation 4201 R. Magsaysay Boulevard, Sta. Mesa, Manila 1016 4 . Bataan Development Bank Aguirre Street, Balanga. 2100 Bataan 5 . Bataan Savings and Loan Bank 33 Rizal Street, Dinalupihan, Bataan 2110 14th Floor, 30th Street corner 3rd Avenue, Crescent Park, Westnet Cube, 6 . BDO Elite Savings Bank, Inc. Bonifacio Global City, Taguig 7 . BPI Direct Savings Bank, Inc. 8th Floor BPI Card Center, 8753 Paseo de Roxas, Makati City 0720 8 . BPI Family Savings Bank, Inc. BPI FSB Center, Paseo de Roxas corner dela Rosa Streets, Makati City Ground Floor BanKO Center, Ortigas Avenue, North Greenhills, San Juan, Metro 9 . BPI Globe Banko, Inc., A Savings Bank Manila 10 . Business And Consumers Bank (A Development Bank) BCB Building, Simon Ledesma Street, Jaro, Iloilo City 11 . Card SME Bank, Inc., A Thrift Bank 61 Insular Building, Rizal Avenue, San Pablo City 12 . Century Savings Bank Corporation 232 Shaw Boulevard corner Oranbo Drive, 1601 Pasig City 13 . China Bank Savings, Inc. VGP Center Building, 6772 Ayala Avenue, 1226 Makati City City Savings Bank Financial Plaza corner Osmena Boulevard And P. Burgos 14 . City Savings Bank, Inc. Street, 6000 Cebu City 15 . Citystate Savings Bank, Inc. Citystate Center, 709 Shaw Boulevard, Oranbo, Pasig City 1600 Ground Floor, AIC Grande Tower, Garnet Road corner Sapphire Street, Ortigas 16 . Comsavings Bank Center, Pasig City 17 . Cordillera Savings Bank, Inc. Dumlao Avenue Boulevard, Bayombong, 3700 Nueva Vizcaya 18 . Dumaguete City Development Bank, Inc. Dr. Vicente Locsin corner Cervantes Streets, Dumaguete City

19 . Dungganon Bank, Inc. (A Microfinance Thrift Bank), Inc. NWTF Building, 102 San Sebastian Street, Bacolod City, Negros Occidental

20 . Enterprise Bank, Inc. (A Thrift Bank) National Highway, Poblacion, Lianga, Surigao Del Sur 8307 6th Floor ODC International Plaza Building, 219 Salcedo Street, Legaspi Village, 21 . Equicom Savings Bank, Inc. Makati City 22 . Farmers Savings and Loan Bank, Inc. McArthur Highway, Wakas, Bocaue, Bulacan 23 . First Consolidated Bank, Inc. (A Private Development Bank) CP Garcia North Avenue, Tagbilaran City 24 . Hiyas Banking Corporation Gov. Fortunato F. Halili Avenue, Bagbaguin, Sta. Maria, Bulacan Ground Floor Peninsula Court, 8735 Paseo de Roxas corner Makati Avenue, 25 . HSBC Savings Bank (Phils), Inc. Makati City 26 . Inter-Asia Development Bank J.P. Rizal Avenue corner Mahogany Market , 4120 Tagaytay City Ground Floor and 2nd Floor Glass Tower, 115 C. Palanca Jr. Street, Legaspi 27 . Isla Bank (A Thrift Bank), Inc. Village 1229 Makati City 28 . Legazpi Savings Bank, Inc. Rizal Street, Sagpon, Albay District, Legazpi City 29 . Lemery Savings and Loan Bank, Inc. Ilustre Avenue, Lemery, 4209 Batangas

30 . Life Savings Bank, Inc. Units 13-14 Marieta Arcade, Marcos Highway corner A. Tuazon, Cainta, Rizal

31 . Luzon Development Bank Ground and Mezzanine Checkpoint Mall, J.P. Rizal, Calamba City, Laguna

32 . Malasiqui Progressive Savings and Loan Bank, Inc. Quezon Boulevard Extension, Malasiqui, 2421 Pangasinan Majalco Building, corner Benavidez and Trasierra Streets, Legaspi Village, 33 . Malayan Bank Savings and Mortgage Bank Makati City 1229 34 . Maritime Savings Bank Corporation Gen. E. Aguinaldo Highway, Bacoor, 4102 Cavite Ground Floor One Evotech Building, Lake Evozone Nuvali, Sta. Rosa City, 35 . mBank Philippines (A Thrift Bank), Inc. Laguna 4026

36 . Merchants Savings and Loan Association, Inc. EDES 2 Building, J. P. Laurel (Acacia Section) corner Villa Abrille, Davao City

37 Metro-Cebu Public Savings Bank Tabunok, Talisay, Cebu 38 . Microfinance Maximum Savings Bank, Inc. 54 Barangay Sabang, Puerto Galera, 5203 Oriental Mindoro 39 . Northpoint Development Bank, Inc. 33 Mabini Street Barangay Sto. Niño, San Pedro, Laguna 40 . Opportunity Kauswagan Bank, Inc (A Microfinance Thrift Bank) A and L Building, E. Lopez Street, Jaro, Iloilo City, 5000 Upper Ground Floor Worldwide Corporate Center, Shaw Boulevard, 41 . Optimum Development Bank, Inc. Mandaluyong City 42 . Pacific Ace Savings Bank, Inc. Retail I Time Square Complex, Subic Bay Freeport Zone, Olongapo City 43 . Pampanga Development Bank McArthur Highway, Dolores, San Fernando City, 2000 Pampanga

Source: Supervisory Data Center, Supervision and Examination Sector

III. 2 1.b Thrift Banks

Name of Bank Address

Penbank Inc (A Private Development Bank) (Formerly: Peninsula Rural 3rd Floor Penbank Centre, Santiago Boulevard, Gen. Santos City, South 44 . Bank, Inc.) Cotabato 9500

45 . Philippine Business Bank, Inc., A Savings Bank 350 Rizal Avenue Ext. corner 8th Avenue, Grace Park, 1403 Caloocan City

46 . Philippine Postal Savings Bank, Inc. Postal Bank Centre, Liwasang Bonifacio, Manila 1000

47 . Philippine Resources Savings Banking Corporation (PR Savings Bank) Alingog Center, Rizal corner Canciller Avenue, Cauayan City, Isabela

48 . Philippine Savings Bank PSBank Center, 777 Paseo de Roxas corner Sedeno Street, Makati City 49 . Philippine Star Development Bank Batangan Plaza, Kumintang, Ibaba, Batangas 50 . Planters Development Bank Planters Building, 314 Sen. Gil J. Puyat Avenue, Makati City 51 . PNB Savings Bank Ground Floor Allied Bank Center, 6754 Ayala Avenue, Makati City 17th Floor One San Miguel Bldg, Shaw Boulevard corner San Miguel Avenue, 52 . Producers Savings Bank Corporation Ortigas Center, 1605 Pasig City 53 . Progress Savings and Loan Bank, Inc. 158 National Highway, Baraca, Subic, Zambales 54 . Queen City Development Bank, Inc. or Queenbank, A Thrift Bank Queenbank Financial Center, Sky City Tower, Mapa Street, Iloilo City 5000 55 . Quezon Coconut Bank, Inc. (A Thrift Bank) Corner Gov. Guinto and Enriquez Streets, Lucena City RCBC Savings Bank Corporate Center, 26th and 25th Streets, Bonifacio Global 56 . RCBC Savings Bank, Inc. City, Taguig City 1634 57 . Sampaguita Savings Bank, Inc. 10 J. Luna Street, Poblacion, San Pedro, Laguna Security Bank Savings Centre 6797 Ayala Avenue corner Rufino Street, Makati 58 . Security Bank Savings Corporation City 59 . Sterling Bank of Asia, Inc. (A Savings Bank) Sterling Bank Corporate Center, Greenhills, San Juan City Ground Floor, Jesever Building, Fuente Osmeña Circle, Osmeña Boulevard, 60 . Sun Savings Bank, Inc. Cebu City 61 . The Palawan Bank (Palawan Development Bank), Inc. 167 Rizal Avenue, Puerto Princesa City, 5300 Palawan Ground Floor Chatham House Condominium, 116 Valero corner V.A. Rufino 62 . Tongyang Savings Bank, Inc. Streets , Salcedo Village, 1227 Makati City 63 . Tower Development Bank Ground Floor Rockavilla Building, Poblacion, Guiguinto, Bulacan 64 . UCPB Savings Bank 18th Floor UCPB Building, Makati Avenue, Makati City 0728 17th Floor Pacific Star Building, Sen. Gil J. Puyat corner Makati Avenue, Makati 65 . United Overseas Bank Philippines City 1200 66 . University Savings Bank, Inc. 1497 Dapitan corner Alfredo Street, Sampaloc, Manila 67 Village Bank, Inc. (A Thrift Bank) Centro I, Orani, Bataan Taft Financial Center, Cardinal Rosales Avenue, Cebu Business Park, Cebu City 68 . Wealth Development Bank Corporation 6000 69 . World Partners Bank (A Thrift Bank) 72 A. Mabini Street, Poblacion, San Pedro, Laguna

Source: Supervisory Data Center, Supervision and Examination Sector

III. 3 I.c Rural and Cooperative Banks

Name of Bank

NATIONAL CAPITAL REGION

1 . 1st Macro Bank, Inc. (A Rural Bank) B. Morcilla and P. Herrera Streets, Pateros 2 . Ama Rural Bank of Mandaluyong, Inc. 311 Shaw Boulevard, Mandaluyong City 3 . Baclaran Rural Bank, Inc. 83 Redemptorist Road, Baclaran, Parañaque City 4 . Banco Alabang, Inc. (A Rural Bank) Ground Floor Minerva Building, National Road, Putatan, Muntinlupa 5 . Bangko Pasig (Rural Bank) 5th Floor Prestige, F. Ortigas Jr. Road, Ortigas Center, Pasig City 6 . Bank of Makati (A Rural Bank), Inc. 44 Gil Puyat Avenue, San Isidro Makati 7 . Country Builders Bank, Inc. (A Rural Bank) 10 Gen Luna Street, Tuktukan, Taguig City 8 . East West Rural Bank, Inc. 360 Dr. Sixto Antonio Avenue, Caniogan, Pasig City 9 . Enterprise Capital Bank, Inc. (Taguig Rural Bank) Amber,19 Bayani Road, Fort Bonifacio 10 . Filipino Savers Bank ,Inc. (A Rural Bank) 457 Tandang Sora Avenue, Quezon City 11 . Insular Rural Bank Net Plaza 31st Street BGC, Taguig City 12 . Metro South Cooperative Bank IBC Building, Kalayaan corner Zapote Street, Makati City 13 . MVSM Bank (A Rural Bank Since 1953), Inc. 341 J. P. Rizal Street, Santo Nino, Marikina 14 . Network Consolidated Coop Bank 160 Katipunan Avenue, Saint Ignatius, Quezon City 15 . Rural Bank of Caloocan, Inc. 55 A. Mabini corner Damayan Streets, Maypajo, Caloocan 16 . Rural Bank of San Pascual(Obando Bulacan), Inc. del Pilar Arkong Bato, Valenzuela City 17 . Rodriguez Rural Bank, Inc. 52 Sixto Antonio, Kapasigan, Pasig 18 . San Francisco Del Monte Rural Bank, Inc. 958-964 Del Monte Avenue, Quezon City 19 . Second Rural Bank of Valenzuela (Metro Manila), Inc. Polo, Valenzuela, Metro Manila 20 . Smart Bank (A Rural Bank), Inc. Madrigal Business Park, Alabang, Muntinlupa

REGION I - ILOCOS

Ilocos Norte

1 . Community Rural Bank of Dingras (Ilocos Norte), Inc. Madamba, Dingras, Ilocos Norte 2 . Cooperative Bank of Ilocos Norte San Pablo, San Nicolas, Ilocos Norte 3 . Rural Bank of Batac, Inc. Batac, Ilocos Norte

Ilocos Sur

1 . Cordillera Bank, Inc. (A Rural Bank) Mena Crisologo Street, Vigan, Ilocos Sur 2 . Ilocos Sur Cooperative Bank National Highway, Bagani Campo, Candon, Ilocos Sur 3 . Rural Bank of Cabugao (Ilocos Sur), Inc. Cabugao, Ilocos Sur 4 . Rural Bank of Galimuyod (Ilocos Sur) Inc. Poblacion, Galimuyod, Ilocos Sur 5 . Rural Bank of Magsingal (Ilocos Sur), Inc. Magsingal, Ilocos Sur 6 . Rural Bank of Salcedo (Ilocos Sur), Inc. Poblacion, Salcedo, Ilocos Sur 7 . Rural Bank of Sta. Maria (Ilocos Sur), Inc. Col. S. Reyes, Poblacion Sur, Santa Maria, Ilocos Sur 8 . Sadiri Rural Bank (San Juan Ilocos Sur), Inc. BVP Building, Bannuar, San Juan, Ilocos Sur 9 . Vigan Banco Rural, Incorporada Vigan, Ilocos Sur

La Union

1 . Bannawag Bank, Inc. (A Rural Bank) Balaoan, La Union 2 . Community Rural Bank of San Gabriel (La Union), Inc. San Gabriel, La Union 3 . Cooperative Bank of La Union National Highway, Santa Barbara, Agoo 4 . Ludb Bank, Inc. (A Rural Bank) San Fernando City, La Union 5 . Rang-Ay Bank, Inc. (A Rural Bank) 67 Governor Luna Street San Fernando La Union 6 . Rural Bank of Agoo, Inc. Consolacion, Agoo, La Union 7 . Rural Bank of Bacnotan, Inc. Bacnotan, La Union 8 . Rural Bank of Bauang, Inc. Corner Florendo Street, Central East, Bauang, La Union 9 . Rural Bank of Caba (La Union), Inc. Sobrepeña Building, National Highway, Caba, La Union 10 . Rural Bank of Rosario (La Union), Inc. Rosario, La Union 11 . Rural Bank of Sudipen (La Union), Inc. Sudipen, La Union

Source: Supervisory Data Center, Supervision and Examination Sector

III. 4 I.c Rural and Cooperative Banks

Name of Bank

Pangasinan

1 . Banco Sual (A Rural Bank), Inc. Sual, Pangasinan 2 . Bangko Pangasinan - A Rural Bank, Inc. ETG Building. Mayombo District, Dagupan City 3 . BHF Rural Bank, Inc. Mayombo District, Dagupan, Pangasinan 4 . CSFIRST Bank, Inc. - A Rural Bank J.P. Rizal Street, Poblacion Sur, Bayambang, Pangasinan 5 . Kaluyagan Rural Bank, Inc. Kaluyugan, San Carlos City 6 . Pangasinan Bank (A Rural Bank), Inc. Mangaldan, Pangasinan 7 . Rural Bank of Alaminos (Pangasinan), Inc. Quezon Avenue, City of Alaminos, Pangasinan 8 . Rural Bank of Anda (Pangasinan), Inc. Poblacion, Anda, Pangasinan 2405 9 . Rural Bank of Balungao (Pangasinan), Inc. Balungao, Pangasinan 10 . Rural Bank of Bayambang (Pangasinan), Inc. Bayambang, Pangasinan 11 . Rural Bank of Bolinao (Pangasinan), Inc. Bolinao, Pangasinan 12 . Rural Bank of Calasiao, Inc. Calasiao, Pangasinan 13 . Rural Bank of Central Pangasinan (Bayambang), Inc. Bayambang, Pangasinan 14 . Rural Bank of Labrador, Inc. Labrador, Pangasinan 15 . Rural Bank of Mangaldan, Inc.(Bangko Rural Ng Mangaldan Ink) Mangaldan, Pangasinan 16 . Rural Bank of Pozorrubio, Inc. Pozorrubio, Pangasinan 17 . Rural Bank of San Fabian (Pangasinan), Inc. Poblacion, San Fabian, 2433 Pangasinan 18 . Rural Bank of San Nicolas (Pangasinan), Inc. San Nicolas, Pangasinan 19 . Rural Bank of San Quintin, Inc. San Quintin, Pangasinan

CAR - CORDILLERA ADMINISTRATIVE REGION

Abra

1 . Rural Bank of Bucay (Abra), Inc. South Poblacion, Bucay, Abra 2 . Rural Bank of Villaviciosa (Abra), Inc. National Road, Poblacion, Villaviciosa, Abra

Apayao

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

Benguet

1 . Banco Bakun, Inc. (A Rural Bank) Antamok Tram, Ucab, Itogon, Benguet 2 . Benguet Center Bank, Inc. A Rural Bank Sablan, Benguet 3 . Cooperative Bank of Benguet (CBB) JC 225 Central Pico, La Trinidad, Benguet 4 . Diamond Rural Bank, Inc. 2 Kayang Street, Baguio City 5 . Highland Rural Bank, Inc. Lomon, Kapangan, Benguet 6 . Rural Bank of Baguio, Inc. 91 Session Road, Baguio City 7 . Rural Bank of Buguias (Benguet), Inc. Buguias, Benguet 8 Rural Bank of Itogon (Benguet), Inc. Market Building, KM 5 La Trinidad, Benguet 9 . Summit Bank (Rural Bank of Tublay Inc.) Acop, Tublay, Benguet

Ifugao

1 . Lagawe Highlands Rural Bank, Inc. JDT Building, Poblacion East, Lagawe, Ifugao

Kalinga

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

Mountain Province

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

Source: Supervisory Data Center, Supervision and Examination Sector

III. 5 I.c Rural and Cooperative Banks

Name of Bank

REGION II - CAGAYAN VALLEY

Cagayan

1 . Cooperative Bank of Cagayan Diversion Road, San Gabriel, Tuguegarao City, Cagayan 2 . Providence Rural Bank, Inc. Aglipay, Dugo, Camalaniugan, Cagayan 3 . Rural Bank of Claveria (Cagayan), Inc. Claveria, Cagayan 4 . Rural Bank of Gattaran (Cagayan), Inc. Centro Norte, Gattaran, Cagayan 5 . Rural Bank of Sanchez Mira (Cagayan), Inc. 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 Market, Cauayan City 3 . Golden Rural Bank of The Phils National Highway, Cabaruan, Cauayan City, Isabela 4 . Mallig Plains Rural Bank (Isabela), Inc. Mallig, Isabela North Pacific Banking Corporation (A Rural Bank of Sta Maria 5 . Centro, Santa Maria, Isabela Isabela) 6 . Rural Bank of Alicia (Isabela), Inc. Alicia, Isabela 7 . Rural Bank of Cauayan Inc. Jose Canciller Avenue, Cauayan, Isabela 8 . Rural Bank of Luna (Isabela), Inc. Harana, Luna, Isabela 9 . Rural Bank of Ramon (Isabela), Inc. Bugallon Proper, Ramon, Isabela 10 . Rural Bank of San Agustin (Isabela), Inc. San Agustin, Isabela 11 . Rural Bank of San Manuel (Isabela), Inc. San Manuel, Isabela 12 . Rural Bank of San Mateo(Isabela), Inc. Poblacion, San Mateo, Isabela 13 . Rural Bank of Tumauini (Isabela), Inc. Tumauini, Isabela 14 . United Consumers Rural Bank, Inc. Centro Aurora, Isabela

Nueva Vizcaya

1 . Agribusiness Rural Bank, Inc. Poblacion, Solano, Nueva Vizcaya 2 . Cooperative Bank of Nueva Vizcaya Gaddang Burgos, Quirino, Solano, Nueva Vizcaya 3 . Rural Bank of Aritao, Inc. Aritao, Nueva Vizcaya 4 . Rural Bank of Bagabag (Nueva Vizcaya), Inc. Bagabag, Nueva Vizcaya 5 . Rural Bank of Bambang (Nueva Vizcaya), Inc. Bambang, Nueva Vizcaya 6 . Rural Bank of Bayombong, Inc. National Road, Bayombong, Nueva Vizcaya 7 . Rural Bank of Dupax (Nueva Vizcaya), Inc. Dupax, Nueva Vizcaya 8 . Rural Bank of Solano (Nueva Vizcaya), Inc. Maharlika Highway, Solano, Nueva Vizcaya 9 . Rural Bank of Villaverde (Nueva Vizcaya), Inc. Villaverde, Nueva Vizcaya 10 . Vizcaya Bank, A Rural Bank, Inc. Gen. Luna Street, Solano, Nueva Vizcaya

Quirino

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

REGION III - CENTRAL LUZON

Aurora

1 . Aurorabank (A Microfinance-Oriented Rural Bank), Inc. Rizal Barangay 5, Poblacion, Baler, Aurora 2 . Cooperative Bank of Aurora Avenida Aurora, San Luis, Aurora 3 . New Covenant Bank, Inc. (A Rural Bank) Poblacion, Dingalan, Aurora 4 . Rural Bank of Casiguran (Aurora), Inc. Casiguran, Aurora 5 . Rural Bank of Maria Aurora (Quezon), Inc. Maria Aurora, Aurora

Source: Supervisory Data Center, Supervision and Examination Sector

III. 6 I.c Rural and Cooperative Banks

Name of Bank

Bataan

1 . Balanga Rural Bank, Inc. Don Manuel Banzon Avenue, Balanga, Bataan 2 . Bataan Cooperative Bank Capitol Compound, Balanga, Bataan 3 . Rural Bank of Abucay (Bataan), Inc. Abucay, Bataan 4 . Rural Bank of Bagac, Bataan, Inc. Dilig 2, Banzon Avenue, Balanga, Bataan 5 . Rural Bank of Hermosa (Bataan), Inc. Burgos Street, Poblacion, Hermosa, Bataan 6 . Rural Bank of Limay (Bataan), Inc. National Road, Townsite, Limay, Bataan 7 . Rural Bank of Pilar (Bataan), Inc. Rizal Street, Poblacion, Pilar, Bataan

Bulacan

1 . Agricom Rural Bank, Incorporated F. Santiago corner A. Morales, Santa Maria, Bulacan 2 . Baliuag Rural Bank, Inc. B Aquino Jr. Avenue, Baliuag, Bulacan 3 . East Coast Rural Bank of Hagonoy, Inc. G. Panganiban Street, Santo Niño, Hagonoy, Bulacan 4 . Emerald Rural Bank, Inc. Lot 12-A, Area D, Sapang Palay, San Jose Del Monte City, Bulacan 5 . Gateway Rural Bank, Inc. McArthur Highway, Wawa, Balagtas, Bulacan 6 . Liberty Bank (A Rural Bank), Inc. McArthur Highway, Calvario, Meycauayan, Bulacan 7 . Meycauayan Second Rural Bank, Inc. Meycauayan, Bulacan 8 . Rural Bank of Angat (Bulacan), Inc. M.A. Fernando Street, Poblacion, Angat, Bulacan 9 . Rural Bank of Bustos, Inc. National Highway, Bonga Manor, Bustos, Bulacan 10 . Rural Bank of Doña Remedios Trinidad (Bulacan), Inc. Doña Remedios Trinidad, Bulacan 11 . Rural Bank of Malolos, Inc. Pariancillo Street, Santo Niño, City of Malolos, Bulacan 12 . Rural Bank of Pandi (Bulacan), Inc. Pandi, Bulacan 13 . Rural Bank of Plaridel (Bulacan), Inc. Plaridel, Bulacan 14 . Rural Bank of San Rafael (Bulacan), Inc. San Rafael, Bulacan 15 . Silahis Bank, Inc. (A Rural Bank) 452 Mc. Arthur Highway, Balagtas, Bulacan 16 . Sta. Maria Rural Bank, Inc. Santa Maria, Bulacan

Nueva Ecija

1 . Aliaga Farmers Rural Bank, Inc. Poblacion West III, Aliaga, Nueva Ecija 2 . Banco Rural De General Tinio (BRGT), Inc. Gen. Tinio, Nueva Ecija 3 . Cabanatuan City Rural Bank, Inc. 1068 Burgos Avenue, Cabanatuan City 4 . Citizen's Rural Bank(Cabiao), Inc. San Juan North, Cabiao, Nueva Ecija 5 . Cuyapo Rural Bank, Inc. No. 2 Quezon Street, Cuapo, Nueva Ecija 6 . GM Bank of Luzon, Inc. (A Rural Bank) GM Bank Building, Maharlika, Cabanatuan City 7 . Key Rural Bank, Inc. San Antonio, Nueva Ecija 8 . Masagana Rural Bank, (Gen Natividad, NE), Inc. Gen. Natividad, Nueva Ecija 9 . New Rural Bank of San Leonardo(N.E.), Inc. Magsaysay Sur Maharlika, Cabanatuan 10 . Rural Bank of Jaen, Inc. Jaen, Nueva Ecija 11 . Rural Bank of Lupao, Inc. Lupao, Nueva Ecija 12 . Rural Bank of Quezon (Nueva Ecija), Inc. Quezon, Nueva Ecija 13 . Rural Bank of Sto. Domingo (Nueva Ecija), Inc. D. Noriel Street, Hulo, Santo Domingo, Nueva Ecija 14 . Rural Bank of Talugtug (NE), Inc. Poblacion, Talugtog Nueva Ecija 15 . Towncall Rural Bank, Inc. Ground Floor Towncall Building, Maharlika Highway, Cabanatuan City

Pampanga

1 . Bangko Nuestra Senora Del Pilar, Inc. A Rural Bank McArthur Highway, Tulaoc, San Simon, Pampanga 2 . BOF Inc. (A Rural Bank) McArthur Highway, Dolores, San Fernando, Pampanga 3 . Crown Bank, Inc. (A Rural Bank) San Vicente, Apalit, Pampanga 4 . Guagua Rural Bank, Inc. Plaza Burgos, Guagua, Pampanga 5 . Guagua Savers Bank (A Rural Bank), Inc. Guagua, Pampanga 6 . Masantol Rural Bank, Inc. Masantol, Pampanga 7 . Rural Bank of Angeles, Inc. 1229 Santo Entierro, Angeles City, Pampanga 8 . Rural Bank of Apalit, Inc. San Vicente, Apalit, Pampanga 9 . Rural Bank of Mabalacat, Inc. 107 McArthur Highway, Dau, Mabalacat, Pampanga 10 . Rural Bank of Mexico, Inc. Mexico, Pampanga 11 . Rural Bank of Porac (Pampanga), Inc. Santo Rosario corner Flora Avenue, Angeles City, Pampanga 12 . Rural Bank of San Luis (Pampanga), Inc. Santo Cristo, Guagua, Pampanga 13 . Rural Bank of Sasmuan (Pampanga) Incorporated San Nicolas, 2nd Sasmuan, Pampanga 14 . San Bartolome Rural Bank, Inc. San Pedro I, Magalang, Pampanga 15 . San Fernando Rural Bank, Inc. San Fernando, Pampanga 16 . Saviour Rural Bank, Inc. Olongapo/Osmeña, Santa Cruz, Lubao, Pampanga 17 . Second Rural Bank of San Luis Pampanga, Inc. Poblacion, San Luis, Pampanga

Source: Supervisory Data Center, Supervision and Examination Sector

III. 7 I.c Rural and Cooperative Banks

Name of Bank

Tarlac

1 . Advantage Bank Corp. (A Microfinance-Oriented Rural Bank) McArthur Highway/Gerona-Pura, Gerona, Tarlac 2 . Camiling Rural Bank, Inc. Quezon Avenue, Camiling, Tarlac 3 . Rural Bank of La Paz, Inc. La Paz, Tarlac 4 . Rural Bank of Pura, Inc. Pura, Tarlac 5 . Rural Bank of Sta. Ignacia, Inc. Poblacion East, Santa Ignacia, Tarlac 6 . Rural Bank of Sta. Rosa De Lima (Paniqui Tarlac), Inc. 7 Burgos Street, Poblacion Sur, Paniqui, Tarlac 7 . Rural Bank of Victoria, Inc. Victoria, Tarlac 8 . St. Michael Rural Bank of Tarlac (Tarlac), Inc. Rizal corner Espinosa Street, Tarlac, Tarlac

Zambales

1 . Banko Zambaleño , Inc., (BZI) (A Rural Bank) Candelaria, Zambales 2 . Bridgeway Rural Banking Corporation Botolan Agora Complex, Botolan, Zambales 3 . Community Rural Bank of San Felipe (Zambales), Inc. West Feria, San Felipe, Zambales 4 . Cooperative Bank of Zambales Zambales Livelihood, Magsaysay Avenue, Iba, Zambales 5 . Countryside Rural Bank of Palauig (Zambales), Inc. Palauig, Zambales 6 . Maharlika Rural Bank, Inc. Santa Cruz, Zambales 7 . Rural Bank of Cabangan (Zambales), Inc. Cabangan, Zambales 8 . Rural Bank of San Marcelino, Inc. Agpalo, Central Station, San Marcelino, Zambales 9 . Rural Bank of San Narciso, Inc. Fontimayor, Barangay Libertad, San Narciso, Zambales 10 . Zambales Rural Bank, Inc. 20th Street, East Bajac-Bajac, Olongapo

SOUTHERN TAGALOG REGION IV - A (CALABARZON)

Batangas

1 . 5 Speed Rural Bank, Inc. J. P. Rizal Street, Padre Garcia, Batangas 2 . Bangko Kabayan (A Rural Bank), Inc. Santiago Street, Ibaan, Batangas 3 . Batangas Rural Bank For Coop, Inc. New Market, Pastor Avenue, Cuta, Batangas City 4 . Bolbok Rural Bank, Inc. Mojica Street, Poblacion, San Juan, Batangas 5 . Caritas Banco Ng Masa Inc (A Microfinance Oriented Rural Bank)Easy Mart National Highway, Calatagan, Batangas 6 . Classic Rural Bank, Inc. Evangelista Street, Batangas City 7 . Countryside Cooperative Rural Bank of Batangas National Highway, Pallocan West, Batangas City 8 . Empire Rural Bank, Inc. C.M. Recto Avenue, Lipa City 9 . Farmers Rural Bank, Inc. J.P. Rizal Street, Lian, Batangas 10 . Limcoma Rural Bank, Inc. Makalintal Avenue, Poblacion 2, San Jose, Batangas 11 . Lipa Bank, Inc. (A Rural Bank) 65 T.M. Kalaw Street, Lipa City, Batangas 12 . Malarayat Rural Bank, Inc. G.A. Solis Street, Lipa City, Batangas 13 . Mt. Carmel Rural Bank, Inc. J. M. Kalaw Street, Lipa City, Batangas 14 . New Rural Bank of Agoncillo, Inc. Poblacion, Agoncillo, Batangas 15 . Progressive Rural Bank, Inc. Luta Norte, Malvar, Batangas 16 . Rural Bank of Alitagtag, Inc. Alitagtag, Batangas 17 . Rural Bank of Calaca, Inc. 137 Marasigan Street, Calaca, Batangas 18 . Rural Bank of Cuenca, Inc. Marasigan Street, Cuenca, Batangas 19 . Rural Bank of Lemery, Inc. Lemery, Batangas 20 . Rural Bank of Lipa City (Batangas), Inc. J.P. Rizal Street, Lipa City, Batangas 21 . Rural Bank of Padre Garcia, Inc. Mabini Street, Poblacion, Padre Garcia, Batangas 22 . Rural Bank of San Luis (Bat.), Inc. San Luis, Batangas 23 . Rural Bank of Taal, Inc. F. Agoncillo Street, Taal, Batangas 24 . Rural Bank of Talisay (Batangas), Inc. Gen. A. Laurel Street, Talisay, Batangas 25 . Rural Bank of Taysan (Batangas), Inc. Taysan, Batangas 26 . Summit Rural Bank of Lipa City, Inc. Morada Avenue, Lipa City, Batangas 27 . Sunrise Rural Bank (Rosario Batangas), Inc. Y Zuno Street, Rosario, Batangas 28 . Utility Bank, Inc. (A Rural Bank) J. P. Rizal, Bauan, Batangas 29 . Women's Rural Bank, Inc. Rosario, Batangas

Source: Supervisory Data Center, Supervision and Examination Sector

III. 8 I.c Rural and Cooperative Banks

Name of Bank

Cavite

1 . Agricultural Bank of The Philippines Inc (A Rural Bank) 121 Placido Campos Avenue, Dasmariñas, Cavite 2 . Bangko Noveleta, Inc. A Rural Bank Noveleta, Cavite 3 . Cavite United Rural Bank Corporation Capitol Road, Trece Martires, Cavite 4 . Cebuana Lhuillier Rural Bank Inc 160 Zapote Road, Bacoor, Cavite 5 . Community Bank (Rural Bank of Alfonso Inc.) Poblacion, Alfonso, Cavite 6 . First Integrity Bank Inc. (Rural Bank of Bailen) Calle Real, Poblacion I, General E. Aguinaldo, Cavite 7 . Imus Rural Bank, Inc. Imus, Cavite 8 . Masuwerte Rural Bank of Bacoor (Cavite) Inc Giron Arcade, Zapote, Bacoor, Cavite 9 . Own Bank, The Rural Bank of Cavite City, Inc. 505 Burgos Avenue, Caridad, Cavite City 10 . Rural Bank of Amadeo(Cavite) Inc. 111 A. Mabini Street, Amadeo, Cavite 11 . Rural Bank of General Trias, Inc. Tejero, General Trias, Cavite 12 . Rural Bank of Kawit, Inc. Gregoria Street Poblacion, Kawit, Cavite 13 . Rural Bank of Maragondon, Inc. Maragondon, Cavite 14 . Rural Bank of Mendez, Inc. J. P. Rizal Street, Mendez, Cavite 15 . Rural Bank of Naic, Inc. 16 Nazareno Street, Naic, Cavite 16 . Rural Bank of Salinas, Inc. 4106 Rosario, Cavite 17 . Rural Bank of Tanza (Cavite), Inc. A Soriano Street Highway, Daang Amaya, Cavite 18 . Sto. Niño Rural Bank (Ternate Cavite), Inc. Ternate, Cavite

Laguna

1 . Banco De Calamba, Inc. (A Rural Bank) Calamba, Laguna 2 . Banco Laguna, Inc. (A Rural Bank Since 1965) National Highway, Pagsanjan, 4008 Laguna 3 . Biñan Rural Bank, Inc. M. Manabat Street, Barangay San Antonio, Biñan 4 . Card Bank, Inc. (A MF Rural Bank) 20 M. L. Quezon Street, City Subdivision, San Pablo 5 . De La O Rural Bank, Inc. San Jose Street, Pangil, Laguna 6 . Entrepreneur Rural Bank, Inc. A. Mabini Street, San Pedro, Laguna 7 . First United Farmers Rural Bank Inc. Barangay Callos, Santa Cruz, Laguna 8 . Laguna Prestige Banking Corporation (A Rural Bank) Limcaoco and J.P. Rizal Poblacion, Cabuyao, Laguna 9 . Mount Makiling Rural Bank, Inc. YTMI Eco Zone, Makiling, Calamba, Laguna 10 . Ormon Bank (Rural Bank of Mulanay (Quezon) Inc. Bay, Laguna 11 . Planbank "Rural Bank of Canlubang Planters, Inc." National Highway, Barangay Halang, Calamba, Laguna 12 . Provident Rural Bank of Sta Cruz(Laguna), Inc. Quezon Avenue, Callios, Santa Cruz, Laguna 13 . Rural Bank of Bay, Inc. Bay, Laguna 14 . Rural Bank of Calauan, Inc. Rizal Avenue, 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, Barangay Lewin, Lumban, Laguna 18 . Rural Bank of Mabitac (Laguna), Inc. J.P. Rizal Street, Mabitac, Laguna 19 . Rural Bank of Magdalena (Laguna), Inc. 10 E. Jacinto Street Magdalena, Laguna 20 . Rural Bank of Marilag (Sta Maria, Lag), Inc. Real Velasquez Street, Santa Maria, Laguna 21 . Rural Bank of Nagcarlan, Inc. Nagcarlan, Laguna 22 . Rural Bank of Paete, Inc. Rizal corner Quesada Street, Paete, Laguna 23 . Rural Bank of Pangil (Laguna), Inc. Pangil, Laguna 24 . Rural Bank of Rizal (Laguna), Inc. Rizal, Laguna 25 . Rural Bank of San Lorenzo Ruiz (Siniloan) Siniloan, Laguna 26 . Rural Bank of Seven Lakes (San Pablo City), Inc. M. Paulino Street, San Pablo City, Laguna 27 . Rural Bank of Sta. Rosa (Laguna), Inc. Santa Rosa, Laguna

28 . Rizal Rural Bank (Taytay Rizal) Aguirre Street corner Pedro Guevarra Avenue, Santa Cruz, Laguna

29 . Turumba Rural Bank of Pakil, Inc. Pakil, Laguna 30 . Unilink Bank, Inc. ( A Rural Bank) KM 39 National Highway, Balibago, Santa Rosa, Laguna

Quezon

1 . Cooperative Bank of Quezon Province Granja corner L. Guinto Streets, Lucena City, Quezon 2 . Grand-Agri Rural Bank Luis Palad Street, Tayabas, Quezon 3 . Mega Rural Bank (Lucena City), Inc. C.M. Recto Street, Barangay IX, Lucena City 4 . Quezon Capital Rural Bank, Inc. Perez corner C.M. Recto, Lucena City 5 . Rural Bank of Alabat (Quezon), Inc. Alabat, Quezon 6 . Rural Bank of Atimonan, Inc. 111 Quezon Street, Atimonan, Quezon 7 . Rural Bank of Candelaria, Inc. Candelaria, Quezon

Source: Supervisory Data Center, Supervision and Examination Sector

III. 9 I.c Rural and Cooperative Banks

Name of Bank

8 . Rural Bank of Dolores (Quezon), Inc. Silangan, Dolores, Quezon 9 . Rural Bank of General Luna (Quezon), Inc. Ester Street Barangay 7, Gen. Luna, Quezon 10 . Rural Bank of Infanta, Inc. Mabini and Balagtas Streets, Infanta, Quezon 11 . Rural Bank of Lucban (Quezon), Inc. 103 Rizal Street, Lucban, Quezon 12 . Rural Bank of Mauban, Inc. Mauban, Quezon 13 . Rural Bank of Pagbilao, Inc. Pagbilao, Quezon 14 . Rural Bank of Sampaloc (Quezon), Inc. Sampaloc, Quezon 15 . Rural Bank of San Antonio(Quezon), Inc. San Antonio, Quezon 16 . Rural Bank of Tayabas, Inc. 62 Gen. Luna Street, Tayabas, Quezon 17 . Tiaong Rural Bank, Inc. Doña Tating Street, Poblacion I, Tiaong, Quezon 18 . United People's Rural Bank, Inc. Salazar Street, Candelaria, Quezon 19 . Universal Rural Bank of Lopez (Quezon), Inc. Lopez, Quezon

Rizal

1 . Binangonan Rural Bank, Inc. Binangonan, Rizal 2 . Eastern Rizal (Jalajala) Rural Bank, Inc. C. Villaran Street, Jala-Jala, Rizal 3 . Filidian Rural Bank of Antipolo, Inc. Antipolo, Rizal 4 . Innovative Bank, Inc. (A Rural Bank) Pililla, Rizal 5 . Rural Bank of Angono, Inc. 139 M. L. Quezon Avenue, Angono, Rizal 6 . Rural Bank of Antipolo, Inc. Antipolo City, Rizal 7 . Rural Bank of Cainta, Inc. Cainta, Rizal 8 . Rural Bank of Cardona (Rizal), Inc. Cardona, Rizal 9 . Rural Bank of Montalban, Inc. J.P. Rizal Avenue, Manggahan Rodriguez, Montalban, Rizal 10 . Rural Bank of Teresa (Rizal), Inc. 56 ML Quezon Street, Teresa Rizal 11 . Tanay Rural Bank, Inc. F.T. Catapusan Street, Barangay Plaza Aldea, Tanay Rizal

SOUTHERN TAGALOG REGION IV - B (MIMAROPA)

Occidental Mindoro

1 . Occidental Mindoro Cooperative Bank (OMCB) 615 Lapu-Lapu, San Jose, Occidental Mindoro 2 . Occidental Mindoro Rural Bank, Inc. Quezon Street, Lubang, Occidental Mindoro 3 . Tamaraw Rural Bank, Inc. San Jose, Occidental Mindoro

Oriental Mindoro

1 . Banco De Mindoro, Inc. (A Rural Bank) Calapan, Oriental Mindoro 2 . Bangko Rural ng San Teodoro, Inc. VCBG Building Poblacion, San Teodoro, Oriental Mindoro 3 . First Mindoro Microfinance Rural Bank, Inc. Poblacion, Bongabong, Oriental Mindoro 4 . Oriental Tamaraw Rural Bank of Naujan, (Or. Mdo.), Inc. Pinagsabangan II, Naujan, Oriental Mindoro 5 . Rural Bank of Baco (Oriental Mindoro), Inc. Baco, Oriental Mindoro 6 . Rural Bank of Bansud (Oriental Mindoro), Inc. Bansud, Oriental Mindoro 7 . Rural Bank of Gloria (Oriental Mindoro), Inc. Gloria, Oriental Mindoro 8 . Rural Bank of Pinamalayan, Inc. Pinamalayan, Oriental Mindoro 9 . Rural Bank of Pola (Oriental Mindoro), Inc. Pola, Oriental Mindoro 10 . Rural Bank of Puerto Galera (Oriental Mindoro), Inc. Puerto Galera, Oriental Mindoro 11 . Rural Bank of Roxas (Or. Mindoro), Inc. Magsaysay Street, Roxas, Oriental Mindoro 12 . Rural Bank of Socorro (Oriental Mindoro), Inc. Socorro, Oriental Mindoro 13 . The Country Bank Rural Bank of Bongabong Or. Mindoro, Inc. Poblacion, Bongabong, Oriental Mindoro

Palawan

CBP Building Junction I, National Highway, Barangay San Miguel, 1 . Cooperative Bank of Palawan Puerto Princesa City, Palawan 2 . Rural Bank of Brooke's Point (Palawan), Inc. Brooke's Point, Palawan 3 . Rural Bank of Cuyo (Palawan), Inc. Mendoza Street, Bancal, 5318 Cuyo, Palawan

Romblon

CBP Junction I, National Highway, San Miguel, Puerto Princesa, Cooperative Bank of Palawan 1 . Palawan 2 . Rural Bank of Brooke's Point (Palawan), Inc. Brooke's Point, Palawan 3 . Rural Bank of Cuyo (Palawan), Inc. Cuyo, Palawan

Source: Supervisory Data Center, Supervision and Examination Sector

III. 10 I.c Rural and Cooperative Banks

Name of Bank

REGION V - BICOL

Albay

1 . Banco Santiago De Libon, Inc. San Francisco Street, Libon, Albay 2 . Cagsawa Rural Bank, Inc. Daraga, Albay 3 . Rural Bank of Camalig (Albay), Inc. Rizal Street, Ilawod East, Legazpi City, Albay 4 . Rural Bank of Guinobatan, Inc. Mabini Street, 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 Street, Poblacion, Capalonga, Camarines Norte 3 . Rural Bank of Jose Panganiban(Camarines Norte), Inc. Jose Panganiban, Camarines Norte 4 . Rural Bank of Paracale(Camarines Norte) Inc. Paracale, Camarines Norte 5 . Rural Bank of Sta. Elena (Cams Norte), Inc. Santa Elena, Camarines Norte

Camarines Sur

1 . Bangko Rural Ng Magarao(Cam. Sur), Inc. Magarao, Camarines Sur 2 . Bangko Rural Ng Pasacao(Cam. Sur), Inc. Santa Rosa Del Sur, Pasacao, Camarines Sur 3 . First Naga Rural Bank, Inc. Panganiban Drive Tinago, Naga, Camarines Sur 4 . Municipal Rural Bank of Libmanan(Cam. Sur), Inc. Poblacion, Libmanan, Camarines Sur 5 . Municipal Rural Bank of Nabua (Camarines Sur), Inc. San Francisco Street, Poblacion, Nabua, Camarines Sur 6 . Peñafrancia Rural Bank of Calabanga (Cam. Sur), Inc. Del Carmen, Calabanga, Camarines Sur 7 . Rural Bank of Goa, Inc. Goa, Camarines Sur 8 . Rural Bank of Ocampo (Camarines Sur), Inc. Ocampo, Camarines Sur 9 . Rural Bank of Pamplona (Camarines Sur), Inc. Maharlika Highway, Tambo, Pamplona, Camarines Sur 10 . Rural Bank of Ragay (Camarines Sur), Inc. Ragay, Camarines Sur 11 . Rural Bank of San Fernando (C S), Inc. Bonifacio Street, San Fernando, Camarines Sur 12 . Rural Bank of San Jose (Camarines Sur), Inc. San Jose, Camarines Sur 13 . Rural Bank of Sipocot (Camarines Sur), Inc. Sipocot, Camarines Sur 14 . Rural Bank of Tigaon Camarines Sur, Inc. Tigaon, Camarines Sur 15 . Southeast Country Bank Inc (A Rural Bank) Santo Domingo Street, Camaligan, Camarines Sur

Catanduanes

1 . Visionbank, Inc., A Rural Bank ARDCI San Roque, Virac, Catanduanes

Masbate

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

Sorsogon

1 . Rural Bank of Donsol (Sorsogon), Inc. Donsol, Sorsogon 2 . Rural Bank of Irosin, Inc. San Julian, Irosin, Sorsogon 3 . Rural Bank of Pilar (Sorsogon), Inc. Roces Building, Poblacion, Pilar, Sorsogon 4 . Rural Bank of Sta. Magdalena (Sorsogon), Inc. Barangay 3, Poblacion, Santa Magdalena, Sorsogon

REGION VI - WESTERN VISAYAS

Aklan

1 . Rural Bank of Altavas (Aklan), Inc. Gen. Luna Street, Altavas, Aklan 2 . Rural Bank of Banga (Aklan), Inc. Banga, Aklan 3 . Rural Bank of Ibajay, Inc. National Road, Poblacion, Ibajay, Aklan 4 . Rural Bank of Makato (Aklan), Inc. Makato, Aklan 5 . Rural Bank of Malinao (Aklan), Inc. Malinao, Aklan 6 . Rural Bank of New Washington (Aklan), Inc. New Washington, Aklan

Antique

1 . Rural Bank of Bugasong (Antique) Inc. Bugasong, Antique 2 . Rural Bank of Sibalom (Antique), Inc. Sibalom, Antique 3 . Rural Bank of Tibiao (Antique), Inc. Tibiao, Antique

Source: Supervisory Data Center, Supervision and Examination Sector

III. 11 I.c Rural and Cooperative Banks

Name of Bank

Capiz

1 . Farm Bank, Inc. (A Rural Bank) Roxas City 2 . Rural Bank of Cuartero (Capiz), Inc. Cuartero, Capiz 3 . Rural Bank of Jamindan (Capiz), Inc. Jamindan, Capiz 4 . Rural Bank of Mambusao, Inc. Mambusao, Capiz 5 . Rural Bank of Panay, Inc. Poblacion, Panay, Capiz

Guimaras

1 . Banco De Arevalo, Inc. (A Rural Bank) Sibunag, Guimaras

Iloilo

1 . Anilao Bank (Rural Bank of Anilao (Iloilo), Inc. T. Magbanua Street, Pototan, Iloilo 2 . Bangko Buena Consolidated Inc (A Rural Bank) 23 Valeria and Rizal Streets, Iloilo City 3 . First Midland Rural Bank, Inc. New Lucena, Iloilo 4 . Janiuay Rural Bank, Inc. Janiuay, Iloilo 5 . Lifebank- A Rural Bank Barangay Duyan-Duyan, Santa Barbara, Iloilo 6 . Progressive Bank, Inc. (Progressive A Rural Bank Inc) Balasan, Iloilo 7 . Racso's Bank, Inc. (A Rural Bank) Guimbal, Iloilo 8 . Rural Bank of Alimodian (Iloilo), Inc. Alimodian, Iloilo 9 . Rural Bank of Barotac Nuevo, Inc. L. Araneta Street, Barotac Nuevo, Iloilo City 10 . Rural Bank of Barotac Viejo (Iloilo), Inc. Zulueta Drive, Poblacion, Barotac Viejo, Iloilo 11 . Rural Bank of Cabatuan (Iloilo), Inc. Cabatuan, Iloilo 12 . Rural Bank of Calinog (Iloilo), Inc. Calinog, Iloilo 13 . Rural Bank of Dumangas, Inc. Dumangas, Iloilo 14 . Rural Bank of Iloilo City, Inc. Luna Street, La Paz, Iloilo City 15 . Rural Bank of Leganes (Iloilo), Inc. Quintin Salas Street, Poblacion, Leganes, Iloilo 16 . Rural Bank of Miagao (Iloilo), Inc. Noble Street, Miagao, Iloilo 17 . Rural Bank of Oton (Iloilo), Inc. Mabini Street, Oton, Iloilo 18 . Rural Bank of Pavia (Iloilo), Inc. Cor. Hendriana-Sumakwel Streets, Pavia, Iloilo 19 . Rural Bank of Pototan, Inc. Pototan Iloilo 20 . Rural Bank of San Miguel (Iloilo), Inc. San Raymundo Street, Poblacion, San Miguel, Iloilo 21 . Rural Bank of Sta. Barbara (Iloilo), Inc. Santa Barbara, Iloilo 22 . Rural Bank of Tigbauan (Iloilo), Inc. Tigbauan, Iloilo 23 . Rural Bank of Zarraga (Iloilo), Inc. Zamora, Poblacion Zarraga, Iloilo 24 . RBG Imperial Bank, Inc. (A Rural Bank) Tiu Quioco Building, Yulo Street, Iloilo City 25 . Valiant Bank, Inc. (A Rural Bank) 41 Mabini Street, Iloilo City

Negros Occidental

Community Rural Bank of Magallon (Moises Padilla Negros 1 . Poblacion, Moises Padilla, Negros Occidental Occidental) Inc 2 . First Community Bank Inc. (Rural Bank) 101 JP and D Heritage Square, Burgos, Bacolod 3 . First State Rural Bank, Inc. Corner Lopez Jaena and Santa Ana, Bacolod City 4 . Marayo Bank, Inc. (A Rural Bank) Pontevedra, Negros Occidental 5 . Negros Cooperative Bank North Capitol Road, Bacolod City, Negros Occidental 6 . New Rural Bank of Binalbagan (Negros Occ), Inc. Binalbagan, Negros Occidental 7 . Rural Bank of Bacolod City, Inc. 74-76 Narra Avenue, CSC, Bacolod City, Negros Occidental 8 . Rural Bank of Cadiz, Inc. Cabahug Street, Cadiz, Negros Occidental 9 . Rural Bank of Escalante (Negros Occ), Inc. North Avenue, Escalante City, Negros Occidental 10 . Rural Bank of Ilog (Negros Occidental), Inc. Dancalan, Ilog, Negros Occidental 11 . Rural Bank of Manapla (Neg Occ), Inc. Crossing Ubos, Manapla, Negros Occidental 12 . Rural Bank of Sagay, Inc. Sagay, Negros Occidental

13 . Rural Bank of Silay City, Inc. Corner Eusebio G. Gamboa, Barangay 3, Silay

14 . Talisay Rural Bank, Inc. Talisay, Negros Occidental

Source: Supervisory Data Center, Supervision and Examination Sector

III. 12 I.c Rural and Cooperative Banks

Name of Bank

REGION VII - CENTRAL VISAYAS

Bohol

1 . Cooperative Rural Bank of Bohol C.P.Garcia East Avenue, Tagbilaran City 2 . Rural Bank of Loon (Bohol), Inc. Across Municipal Building, National Highway, Loon, Bohol 3 Rural Bank of Loboc, Inc. Poblacion, Loboc, Bohol

Cebu

1 . Aspac Rural Bank, Inc. Mc Briones Gen Ricarte Guizo, Mandaue 2 . Banco Maximo, Inc. (A Rural Bank) Baliwagan, Balamban, Cebu 3 . Banco Rural De Isla Cordova (Cebu), Inc. San Miguel, Cordova, Cebu 4 . Bankways, Inc. (A Rural Bank) Poblacion Pardo, Cebu City 5 . Community Rural Bank of Catmon (Cebu), Inc. Catmon, Cebu 6 . Community Rural Bank of Medellin (Cebu), Inc. Jose Rizal Street, Poblacion, Medellin, Cebu City 7 . Cooperative Bank of Cebu M. Velez Street, Guadalupe, Cebu 8 . First Agro-Industrial Rural Bank, Inc. Dela Viña Street, Cantecson, Bogo City, Cebu 9 . Frontier Rural Bank, Inc. M. Razon Building, P. Rizal Street, Lapu-Lapu, Cebu 10 . Lapu-Lapu Rural Bank, Inc. Santa Catalina Street, Carcar, Cebu 11 . Mactan Rural Bank (Lapu-Lapu City), Inc. Patalinghug Avenue, Lapu-Lapu City, Cebu 12 . National Teachers & Emp. Coop Bank Cuenco and Juan Luna Avenues, Mabolo, Cebu City 13 . Philippine SME Bank, Inc. A Rural Bank M. L. Quezon Street, Kabankalan, Mandaue City 14 . Rural Bank of Barili (Cebu), Inc. Poblacion, Barili, Cebu 15 . Rural Bank of Bogo (Cebu), Inc. P. Rodriguez Street, Cogon, Bogo, Cebu 16 . Rural Bank of Madridejos (Cebu), Inc. Madridejos, Cebu 17 . Rural Bank of Mandaue, Inc. A. Del Rosario Street, Centro Mandaue City 18 . Rural Bank of Oslob (Cebu), Inc. Poblacion, Oslob, Cebu 19 . Rural Bank of Talisay (Cebu), Inc. Tabunoc, Talisay, Cebu 20 . RNG Coastal Bank, Inc.(A Rural Bank) Talamban Mart, Cabancalan Road, Talamban, Cebu City 21 . Rural Bank of Ronda, Inc. Purok 4, Centro Poblacion, Ronda, Cebu 22 . Sugbuanon Rural Bank, Inc. Osmeña Boulevard, Cebu City 23 . Upland Rural Bank of Dalaguete(Cebu), Inc. Legaspi Street, Poblacion, Dalaguete, Cebu

Negros Oriental

1 . Cooperative Bank of Negros Oriental Cervantes Street corner Colon, Dumaguete City 2 . Dumaguete Rural Bank, Inc. San Jose Street, Dumaguete City, Negros Oriental 3 . Rural Bank of Amlan (Negros Oriental), Inc. Amlan, Negros Oriental 4 . Rural Bank of Bacong (Negros Oriental), Inc. V. Locsin Street, Dumaguete City, Negros Oriental 5 . Rural Bank of Basay (Negros Oriental), Inc. Gov. M. Perdices Street, Dumaguete City, Negros Oriental 6 . Rural Bank of Bayawan (Negros Oriental), Inc. 807 H. Bollos Street, Bayawan City 7 . Rural Bank of Guihulngan (Negros Or.), Inc. Sikatuna Poblacion, Guihulngan, Negros Oriental 8 . Rural Bank of Pamplona(Negros Or.), Inc. Pamplona, Negros Oriental 9 . Rural Bank of Siaton (Siaton Negros Oriental), Inc. Siaton, Negros Oriental 10 . Rural Bank of Sibulan Negros Oriental, Inc. National Highway, Sibulan, Negros Oriental 11 . Rural Bank of Sta. Catalina Negros Oriental, Inc. Caranoche Street, Santa Catalina, 6220 Negros Oriental 12 . Rural Bank of Tanjay, Inc. Magallanes Street, Tanjay, Negros Oriental 13 . SG Bank - A Rural Bank, Inc. Real Street, Dumaguete City

Siquijor

1 . Rural Bank of Larena (Siquijor), Inc. Larena, Siquijor

REGION VIII - EASTERN VISAYAS

Eastern Samar

1 . Far Eastern Bank (A Rural Bank), Inc. Market Site, Dolores, Eastern Samar 2 . Rural Bank of Guiuan (Eastern Samar), Inc. Santa Cruz Street, Guiuan, Eastern Samar

Source: Supervisory Data Center, Supervision and Examination Sector

III. 13 I.c Rural and Cooperative Banks

Name of Bank

Leyte

1 . Bank of Ormoc, Inc. (A Rural Bank) Mabini Street, Ormoc City, Leyte 2 . Rural Bank of Bato (Leyte), Inc. 482 Juan Luna Street, Bato, Leyte 3 . Rural Bank of Dulag (Leyte), Inc. Kempis Street, Poblacion, Dulag, Leyte 4 . Rural Bank of Hilongos, Inc. Hilongos, Leyte 5 . Rural Bank of Hindang (Leyte), Inc. Hindang, Leyte 6 . Rural Bank of Mahaplag (Leyte), Inc. Rizal Street, Poblacion, Mahaplag, Leyte 7 . Rural Bank of Matag-Ob (Leyte), Inc. McArthur Street, Matag-ob, Leyte

Western Samar

1 . Rural Bank of Basey (Samar), Inc. Basey, Samar 2 . Rural Bank of Calbayog City, Inc. 82 T. Bugallon Street, Calbayog City, Western Samar 3 . Rural Bank of Gandara (Samar), Inc. San Miguel Street, Gandara, Western Samar

Southern Leyte

1 . Rural Bank of Hinundayan (Southern Leyte), Inc. Hinundayan, Southern Leyte 2 . Rural Bank of Maasin (So. Leyte), Inc. Maasin, Southern Leyte 3 . Rural Bank of Malitbog (Southern Leyte), Inc. Malitbog, Southern Leyte 4 . Rural Bank of San Juan (So. Leyte), Inc. San Juan, Southern Leyte

REGION IX - WESTERN MINDANAO

Zamboanga del Norte

1 . Banco Dipolog, Inc. A Rural Bank Calibo Street, Dipolog City, Zamboanga Del Norte 2 . Community Rural Bank of Dapitan City Inc. Dapitan City, Zamboanga del Norte 3 . Katipunan Bank (Zamboanga Del Norte) Inc. A Rural Bank Quezon Avenue, Aguilar Street, Dipolog City, Zamboanga del Norte 4 . Rural Bank of Labason (Zamboanga Del Norte) Inc. 7117 Rizal Avenue, Labason, Zamboanga del Norte 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) Rizal, Zamboanga Del Norte 8 . Rural Bank of Salug (Zamboanga Del Norte), Inc. Salug, Zamboanga del Norte 9 . Zamboanga Del Norte Cooperative Bank 484 Gen. Luna and Balintawak, Dipolog

Zamboanga del Sur

1 . Banco Cooperativa De Zamboanga MCLL Highway corner Veterans, Zamboanga City 2 . Rural Bank of Pagadian, Inc. Pagadian City, Zamboanga del Sur 3 . Rural Bank of Siocon (Zamboanga Del Norte), Inc. RBS Building, MCLL Highway, Guiwan, Zamboanga 4 . Salug Valley Rural Bank, Inc. Mabini Street, Molave, Zamboanga del Sur 5 . Zamboanga City Rural Bank Inc. Tomas Claudio Street, Zamboanga City

Zamboanga Sibugay

1 . Rural Bank of Kabasalan (Zamboanga Del Sur), Inc. Poblacion Kabasalan, Zamboanga Sibugay

REGION X - NORTHERN MINDANAO

Bukidnon

1 . Bukidnon Bank, Inc. (A Rural Bank) Kalilangan, Bukidnon 2 . Bukidnon Cooperative Bank San Victores Street, Malaybalay City, Bukidnon 3 . D' Asian Hills Bank, Inc. (A Rural Bank) Fortich Street, Malaybalay City, Bukidnon 4 . Malaybalay Rural Bank, Inc. Judge Murillo Street, Malaybalay City, Bukidnon 5 . Rural Bank of Kibawe (Bukidnon), Inc. Kibawe, Bukidnon 6 . Rural Bank of Manolo Fortich Bukidnon, Inc. Manolo Fortich, Bukidnon 7 . Xavier-Punla Rural Bank, Inc. Sayre Highway, Poblacion, Pangantucan, Bukidnon

Source: Supervisory Data Center, Supervision and Examination Sector

III. 14 I.c Rural and Cooperative Banks

Name of Bank

Lanao del Norte

1 . Rural Bank of Iligan City, Inc. Aguinaldo corner Ramiro, Iligan City 2 . Rural Bank of Karomatan (Lanao Del Norte), Inc. Crossing Poblacion, Tubod, Lanao del Norte 3 . Rural Bank of Maigo (Lanao Del Norte) Inc. Maigo, Lanao del Norte

Misamis Occidental

1 . Misamis Bank, Inc. A Rural Bank National Highway, Sebac, Tudela 7202 Misamis Occidental 2 . Panguil Bay Rural Bank of Ozamiz, Inc. Ozamiz City, Misamis Occidental 3 . Rural Bank of Bonifacio (Misamis Occidental), Inc. Bonifacio, Misamis Occidental 4 . Rural Bank of Jimenez (Misamis Occidental), Inc. Jimenez, Misamis Occidental 5 . Rural Bank of Lopez Jaena (Misamis Occidental), Inc. Lopez Jaena, Misamis Occidental 6 . Rural Bank of Pana-On (Misamis Occiedntal), Inc. Pana-on, Misamis Occidental 7 . Rural Bank of Plaridel (Misamis Occ.), Inc. Plaridel, Misamis Occidental 8 . Rural Bank of Tangub City (Misamis Occ.), Inc. Lorenzo Tan Street, Tangub City, Misamis Occ

Misamis Oriental

1 . Bangko Rural Ng Tagoloan (Misamis Oriental), Inc. Tandang Sora Street, Tagoloan, Misamis Oriental 2 . Cooperative Bank of Misamis Oriental Provincial Capitol Compound, Cagayan de Oro City 3 . Naawan Community Rural Bank (Misamis Oriental), Inc. Magsaysay Street, Naawan, Misamis Oriental 4 . Palm Tree Bank, Inc. (A Rural Bank) L 948B CM Recto Avenue, Lapasan, Cagayan de Oro City 5 . Rural Bank of Balingasag (Misamis Oriental) Inc. Poblacion, Balingasag, Misamis Oriental 6 . Rural Bank of El Salvador (Misamis Oriental) Inc. El Salvador, Misamis Oriental 7 . Rural Bank of Gingoog Inc. Lupod-Guno Streets, Gingoog, Misamis Oriental 8 . Rural Bank of Gitagum(Misamis Oriental) Inc. Poblacion, Gitagum, Misamis Oriental 9 . Rural Bank of Initao (Misamis Oriental) Inc. Initao, Misamis Oriental 10 . Rural Bank of Medina (Misamis Oriental) Inc Medina, Misamis Oriental 11 . RBT Bank, Inc., A Rural Bank Rizal Street, Talisayan, Misamis Oriental 12 . Secured Bank, Inc. (A Rural Bank) V. Roa Street, Cogon, Cagayan de Oro City 13 . South Bank (A Rural Bank) Inc. Rodelsa Liceo R.N. Pelaez, Kauswagan, Cagayan de Oro 14 . Xavier-Tibod Bank, Inc. (A Micro Finance Rural Bank) Pabayo Street, Divisoria, Cagayan De Oro City

REGION XI - SOUTHERN MINDANAO

Compostela Valley

1 . Money Mall Rural Bank Inc. Mabini, Compostela Valley Province 2 . Rural Bank of Compostela (Davao Del Norte) Inc. J.P. Laurel Street, Compostela, Compostela Valley 3 . Rural Bank of Nabunturan (Davao Del Norte) Inc. Echavez Street, Nabunturan, Compostela Valley

Davao del Norte

1 . Century Rural Bank, Inc. Babak Island Garden City of Samal, Davao del Norte 2 . First Tagum Rural Bank Inc. Bonifacio corner Rizal Streets, Tagum City, Davao del Norte 3 . Rural Bank of Kapalong (Davao) Inc. Kapalong, Davao del Norte

Davao del Sur

1 . Community Rural Bank of Magsaysay (Davao Del Sur) Inc. Poblacion Magsaysay, Davao del Sur 2 . Consolidated Cooperative Bank CBDS Building, Magsaysay Digos, Davao del Sur 3 . One Network Bank, Inc. (A Rural Bank) KM 9 Sasa, Davao City 4 . Rural Bank of Digos, Inc. 2964 Rizal Avenue, Digos City, Davao del Sur

Davao Oriental

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

Source: Supervisory Data Center, Supervision and Examination Sector

III. 15 I.c Rural and Cooperative Banks

Name of Bank

REGION XII - SOCCSKSARGEN

North Cotabato

1 . Cooperative Bank of Cotabato CBC Building 1, Lanao, Kidapawan City, North Cotabato 2 . Partner Rural Bank (Cotabato) Inc. Pigkawayan, North Cotabato 3 . Rural Bank of Midsayap Inc. Quezon Avenue, Midsayap, North Cotabato

Sarangani

1 . Rural Bank of Alabel (Sarangani) Inc. Alabel, Sarangani 2 . Rural Bank of Kiamba (Sarangani) Inc. Kiamba, Sarangani

South Cotabato

1 . Koronadal Rural Bank Inc. Alunan Avenue, Koronadal, South Cotabato 2 . People's Rural Bank (Gen Santos City), Inc. Plaza Nova, I. Santiago Boulevard, Gen. Santos 3 . Rural Bank of Norala (S Cotabato) Inc. Norala, South Cotabato 4 . Rural Bank of Polomolok(South Cotabato) Inc. National Highway, Polomolok, South Cotabato

Sultan Kudarat

1 . Rural Bank of Lebak (Sultan Kudarat) Inc. Lebak, Sultan Kudarat 2 . Rural Bank of Pres. Quirino (Sultan Kudarat), Inc. National Highway, Pres. Quirino, Sultan Kudarat

ARMM - AUTONOMOUS REGION OF MUSLIM MINDANAO

Lanao del Sur

1 . Bagong Bangko Rural Ng Malabang (Lanao Del Sur) Inc. Chinatown, Malabang, Lanao del Sur

Maguindanao

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

CARAGA ADMINISTRATIVE REGION

Agusan del Norte

1 . Butuan City Rural Bank Inc. Butuan City, Agusan del Norte 2 . Cooperative Bank of Agusan Norte-Butuan City UCCP R. Calo Street, Butuan, Agusan del Norte 3 . Rural Bank of Cabadbaran (Agusan) Inc. Cabadbaran, Agusan del Norte

Agusan del Sur

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

Dinagat Islands

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

Surigao del Norte

1 . Rural Bank of Placer (Surigao Del Norte) Inc. KM 1, National Highway, Surigao City, Surigao Del Norte 2 . Siargao Bank (A Rural Bank), Inc. JC Sering Capitol Road, Surigao City 3 . Surigao City Evergreen Rural Bank Inc. 3337 Borromeo Street, Surigao City 4 . Surigaonon Rural Banking Corp. Rizal corner Gemina Streets, Surigao City, Surigao del Norte

Surigao del Sur

1 . Bangko Carrascal, Inc. (A Rural Bank) Arreza corner Cervantes, Carrascal, Surigao del Sur 2 . Cantilan Bank, Inc. (A Rural Bank) Cantilan, Surigao del Sur 3 . Rural Bank of Lanuza (Surigao Del Sur) Inc. Urbiztondo Arreza Cantilan, Surigao del Sur 4 . Rural Bank of Tandag (Surigao Del Sur) Inc. Tandag, Surigao del Sur

Source: Supervisory Data Center, Supervision and Examination Sector

III. 16 Table 2 Overseas Offices of Universal and Commercial Banks As of December 31, 2014 Name of Bank Address Date Opened I. Branches (13) Universal Banks

1 BDO UNIBANK INC -HONGKONG 1 WELLINGTON STREET CENTRAL HONGKONG 31-May-07 2 METROPOLITAN BANK & TCO -NEW YORK 10 EAST 53rd STREET NEW YORK NEW YORK 10022 20-Nov-81 3 METROPOLITAN BANK & TCO -PUSAN CHORYANG 1DONG DONG-GU PUSAN KOREA 15-Dec-99 4 METROPOLITAN BANK & TCO -SEOUL 120 5-KA NANDAEMUN-RO SEOUL KOREA 10-Apr-97 5 METROPOLITAN BANK & TCO -TAIPEI TAIWAN 10690 REPUBLIC OF CHINA 30-Sep-70 6 METROPOLITAN BANK & TCO -TOKYO 1-19-1 KANDA NISHIKI-CHO CHIYODA-KU 28-Mar-96 7 PHIL NATIONAL BANK -BAHRAIN BAHRAIN TOWER MANAWA STREET OF BAHRAIN 9-Feb-13 8 PHIL NATIONAL BANK -GUAM 1088 W MARINE CORPS DR DEDEDO GUAM 9-Feb-13 9 PHIL NATIONAL BANK -HONGKONG 109-111 GLOUCESTER WANCHAI HONGKONG 2-Dec-63 10 PHIL NATIONAL BANK -JAPAN MITA43MT MITA MINATO-KU TOKYO JAPAN 30-Jun-96 nd 11 PHIL NATIONAL BANK -LOS ANGELES 316 W 2 STREET 7F LOS ANGELES CALIFORNIA 16-Apr-82 th 12 PHIL NATIONAL BANK -NEW YORK 30 BROAD STREET 36 FLOOR NEW YORK NEW YORK 10004 17-Feb-17 13 PHIL NATIONAL BANK -SINGAPORE 304 ORCHARD ROAD LUCKY PLZA SINGAPORE 19-Apr-68 II. Sub-Branches (1)

1 PHIL NATIONAL BANK -NAGOYA NAKA-KU NAGOYA-SHI AICHI-KEN JAPAN 19-May-03

III. Representative Offices (13) Universal Banks

1 BANK OF THE PHIL ISLANDS-DUBAI AL MANKHOOL RD AL HUDAIBA DUBAI UAE 15-Sep-11 2 BANK OF THE PHIL ISLANDS-JAPAN 2-6 NISHISHINJUKU 7-CHOME TOKYO JAPAN 15-Jun-14 3 BDO UNIBANK INC -ISRAEL 2 KAUFMAN ST TEL AVIV ISRAEL 31-May-07 4 BDO UNIBANK INC -PARIS 116 BIS AVE CHAMPS ELYSEES PARIS 31-May-07 5 BDO UNIBANK INC -SINGAPORE U27-63 ONES RAFFLES PLACE SINGAPORE 4-Jul-12 6 BDO UNIBANK INC -TAIWAN 25 TUN HWA SOUTH RD SEC 1 TAIPEI 31-May-07 7 LAND BANK OF THE PHILS -TOKYO TOKYO JAPAN 12-Oct-95 8 METROPOLITAN BANK & TCO -BEIJING BEIJING PROC 14-Jun-94 9 METROPOLITAN BANK & TCO -HONGKONG NEW WORLD TOWER 16-18 QUEENS ROAD HONGKONG 5-Sep-73 10 PHIL NATIONAL BANK -DUBAI RO ZAABEEL ROAD KARAMA 14402 DUBAI UAE 22-Jul-95 11 PHIL NATIONAL BANK -GERMANY HOHENSTAUFERALLEE 39 LEIMEN GERMANY 9-Feb-13 12 PHIL NATIONAL BANK -PARIS RO 165 AVENUE VICTOR HUGO 75016 PARIS 8-Apr-92 13 PHIL NATIONAL BANK -ROME PIAZZA INDEPENDENZA ROME ITALY 4-Jun-92

IV. Extension Offices (2)

1 METROPOLITAN BANK & TCO -OSAKA 4-2-5 HONMACHI CHUO-KU OSAKA JAPAN 12-Dec-91

2 PHIL NATIONAL BANK -QUEENS(NY) 69-18 ROOSEVELT AVE WOODSIDE NY 17-Jan-91

Source: Supervisory Data Center, Supervision and Examination Sector

III. 17 Name of Bank Address Date Opened

V. Remittance Desk Office (14) 1 PHIL NATIONAL BANK -AL KHOBAR ARAB NATIONAL BANK (ANB) KING FAISAL STREET AL KHOBAR 14-Nov-93 2 PHIL NATIONAL BANK -AQARIA(ANB) AKARIA TELEMONEY CENTER OLAYA RIYADH 1-Oct-99 3 PHIL NATIONAL BANK -JEDDAH-BALAD (ANB) CORNICHE BALAD DISTRICT JEDDAH SAUDI 14-Nov-93 4 PHIL NATIONAL BANK -JUBAIL(ANB) JEDDAH STREET ACROSS RIYAD BANK JUBAIL 25-Jan-97 5 PHIL NATIONAL BANK -KINGDOM OF SAUDI ARABIA REMITTANCE DESK SETEEN STREET AL MALAZ RIYADH 1-Feb-10 6 PHIL NATIONAL BANK -QATAR REMITTANCE DESK GRAND HAMMAD AVE DOHA QATAR 1-Aug-04 7 PHIL NATIONAL BANK -RAWDAH-JED(ANB) PRINCE SULTAN JEDDAH SAUDI ARABIA 1-May-09 8 PHIL NATIONAL BANK -RIYADH(RIYADH TAHWEEL AL RAJHI BANK) RIYADH TAHWEEL AL RAJHI 1-Aug-12 9 PHIL NATIONAL BANK -RIYADH-BATHA-DESK OFFICE OF MARKETING OFFICER AL ABDUL RIYADH TRADING CENTER BATHA SAUDI ARABIA 14-Nov-93 10 PHIL NATIONAL BANK -RIYADH-MAIN-DESK OFFICE OF COUNTRY HEAD (ANB) ARAB NATL BANK 3F BELT 7 RIYADH 31-Dec-83 11 PHIL NATIONAL BANK -TABUK(ANB) SHARE AL AMN NEAR GOV BASHEER TABUK 4-Mar-98 12 PHIL NATIONAL BANK -UNITED ARAB EMIRATES (DUBAI) REMITTANCE DESK KHALID BIN WALID ROAD DUBAI UAE 1-Feb-06 13 PHIL NATIONAL BANK -UNITED ARAB EMIRATES(ABU DHABI)REMITTANCE DESK AL ANSARI EXCHANGE LEEWA ABU DHABI 1-Jul-92 14 PHIL NATIONAL BANK -YANBU(ANB) KHAIR BALADI INT MARKET YANBU SAUDI 1-Jan-98

VI. Limited Purpose Branch (1) 1 PHIL NATIONAL BANK -REMITTANCE CENTER (LUCKY PLAZA) 03-68 LUCKY PLAZA SC SINGAPORE 24-Apr-05

VII. Marketing Office (2) 1 PHIL NATIONAL BANK -KUWAIT NOUMAN BIN BASHER DAMASCUS SAFAT KU 1-Oct-91 2 PHIL NATIONAL BANK -QATAR ALZAMAN EXCH MANSOURA AL MEERA DOHA 1-Mar-11

Source: Supervisory Data Center, Supervision and Examination Sector

III. 18 Table 3 Offshore Banking Units As of December 31, 2014

Name of Offshore Banking Unit Address

1 ABN-AMRO BANK, N.V. 18th FLOOR LKG TOWER 6801 AYALA AVENUE MAKATI CITY

2 BNP PARIBAS 30th FLOOR PHILAM 8767 PASEO DE ROXAS MAKATI CITY

3 JP MORGAN INTERNATIONAL FINANCE LTD. 31st FLOOR PHILAM 8767 PASEO DE ROXAS MAKATI CITY

4 TAIWAN COOPERATIVE BANK 26th FLOOR CITIBANK TOWER 8741 PASEO DE ROXAS

Source: Supervisory Data Center, Supervision and Examination Sector

III. 19 Table 4 Banking Industry Associations As of December 31, 2014

Name of Industry Address

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

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

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

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

Source: Supervisory Data Center, Supervision and Examination Sector

III. 20