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2017 VOLUME I

The Philippine Banking System

Financial Supervision Sector Supervisory Data Center

TABLE OF CONTENTS

(2017 Fact Book – Volume 1)

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

Part II. Industry Profile of the Philippine Banking System

1. Physical Network

a. Number of Offices by Type of Bank Group (2008 – 2017) …………………………………………… II. 1

b. Number of Offices by Type and Location (as of 31 December 2017) ……………………………. II. 2

c. Number of Automated Teller Machines (2008 – 2017) ………………………………………………. II. 4

d. Changes in the Philippine Banking Network (for the year 2017) …………………………………… II. 5

2. Balance Sheet (2013 – 2017)

The Philippine Banking System ……………….…………………………………………………………………. II. 6

a. Universal and Commercial Banks ………………………………………………………………………... II. 7

i. Classified by Nature of Operation

a. Universal Banks …………………………………………………………………………………… II. 8

b. Commercial Banks ……………………………………………………………………………… II. 9

ii. Classified by Ownership

a. Private Domestic Banks ………………………………………………………………………… II. 10

b. Government Banks ……………………………………………………………………………… II. 11

c. Foreign Bank Branches …………………………………………………………………………. II. 12

d. Foreign Bank Subsidiaries ………………………………………………………………………. II. 13

b. Thrift Banks …………………………………………………………………………………………………….. II. 14

c. Rural and Cooperative Banks …………………………………………………………………………….. II. 15

3. Published Balance Sheet (as of 31 December 2017)

Universal, Commercial and Thrift Banks ………………………...…………………………………………….. II. 16

a. Universal and Commercial Banks ………………………………………………………………………… II. 18

b. Thrift Banks …………………………………………………………………………………………………….. II. 48

4. Income Statement (2013 – 2017)

The Philippine Banking System ………………. ………………………………………………………………… II. 76


i. Classified by Nature of Operations

a. Universal Banks …………………………………………………………………………………... II. 78

b. Commercial Banks ……………………………………………………………………………… II. 79

ii. Classified by Ownership

a. Private Domestic Banks ………………………………………………………………………... II. 80

b. Government Banks ……………………………………………………………………………... II. 81

c. Foreign Bank Branches ………………………………………………………………………… II. 82

d. Foreign Bank Subsidiaries ……………………………………………………………………… II. 83

b. Thrift Banks ……………………………………………………………………………………………………. II. 84


5. Summary Report on Compliance with Agri-Agra Reform Credit (2013 – 2017)

The Philippine Banking System ………………. ………………………………………………………………… II. 86


b. Thrift Banks ……………………………………………………………………………………………………. II. 88


TABLE OF CONTENTS

(2017 Fact Book – Vol. 1)

6. Summary Report on Compliance with Small and Medium Enterprise Credit (2013-2017)

The Philippine Banking System ………………..………………………………………………………………… II. 90

a. Universal and Commercial Banks ...……………………………………………………………………... II. 91

b. Thrift Banks ……………………………………………………………………………………………………. II. 92

c. Rural and Cooperative Banks ……………………………………………………………………………. II. 93

7. Philippine Foreign Currency Deposit System Balance Sheet (2013-2017)

The Philippine Banking System ………………..………………………………………………………………… II. 94


b. Thrift Banks …………………………………………………………………………………………………….. II. 96

8. Trust and Fund Management Operations (2015-2017)

The Philippine Banking System ………………...……………………………….……………………………….. II. 97


b. Thrift Banks …………………………………………………………………………………………………….. II. 99

Part III. Directory of the Philippine Banking System

1. Directory of Head Offices of the Banking System (as of December 31, 2017)

a. Universal and Commercial Banks …………………….………………………………………………….. III. 1

b. Thrift Banks …….…………………………………….………………………………………………………… III. 2

c. Rural and Cooperative Banks …………………………..………………………………………………… III. 3

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

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

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

Part I

Highlights on the

Philippine Banking System

Amount Percent (%)

B.

15,166 13,591 1,575 11.59 Cash and Due from banks 2,713 2,766 (52) (1.89)

Financial Assets, gross (net of amortization) 2,915 2,595 319 12.30

Accumulated Market Gains/Losses (10) (6) (4) 78.56

Allowance for Credit Losses 24 25 (1) (5.37) Financial Assets, net 2,881 2,565 316 12.33

Loans, gross 2/

8,866 7,612 1,253 16.47

Allowance for probable losses 184 173 11 6.61 Loans, net (inclusive of Interbank Loans) 8,681 7,439 1,242 16.70

Equity Investments, gross 254 241 13 5.39

Allowance for probable losses 1 2 (1) (50.00) Equity Investments, net 254 239 14 6.02 Real and Other Properties Acquired, net 92 91 1 0.93 Other assets 544 490 54 10.94

15,166 13,591 1,575 11.59

13,409 12,043 1,366 11.34

Financial Liabilities Held for Trading 33 36 (4) (9.88)

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

Deposit Liabilities 11,727 10,507 1,220 11.62

Bills Payable 787 704 83 11.84

Special Financing 0 67 (67) (99.92)

Unsecured Subordinated Debt 87 90 (3) (3.01)

Redeemable Preferred Shares 1 1 0 2.71

Other liabilities 775 705 70 9.89

1,757 1,548 209 13.48

Capital Stock 811 724 87 11.99

Assigned Capital 90 88 2 2.39

Other Equity Instruments 12 12 (0) (0.05)

Deposit for Stock Subscription 4 2 2 153.19

Retained Earnings & Undivided Profits 3/

797 683 114 16.69

Accumulated Earnings 42 46 (4) (9.13)

C.

168 154 14 8.92

591 535 56 10.42

447 386 61 15.92

Interest Income 575 498 77 15.37

Less: Interest Expense 127 112 15 13.42

Provision for Losses on Accrued Interest 0 0 0 47.14

Income from Financial Assets

378 341 37 10.80

(34) (30) (4) 12.35

179 164 15 9.27

28 22 6 24.81

207 186 21 11.14

39 32 7 21.92

168 154 14 8.92

1 1

10 10

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

Source: Supervisory Data Center, Financial Supervision Sector

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

Income Tax Expense

Total Profit/Loss After Tax and Before Minority Interest

D.

Return on Average Assets

Return on Average Equity

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

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

Selected Ratios (%)

Unconsolidated Subsidiaries, Associates and Joint

Ventures Accounted for Using the Equity Method

Share in the Profit/(Loss) of Unconsolidated Subsidiaries,

Associates and Joint Ventures Accounted for Using

the Equity Method

Total Profit/Loss Before Tax and Before Minority Interest

2017 2016Increase/(Decrease)

Net Profit Before Share in the Profit/(Loss) of

Balance Sheet Accounts (in P Billion)

Total Assets

Total Liabilities and Capital Accounts

Total Liabilities

Capital Accounts

Income Statement Accounts (in P Billion)

Net Profit or Loss

Total Operating Income

Net Interest Income

Non Interest Expense

Losses/Recoveries on Financial Assets

HIGHLIGHTS ON THE PHILIPPINE BANKING SYSTEM

A. Number of Banking Offices 1/

TotalDomestic Offices Overseas Offices

of Philippine

BanksHead Offices Other Offices

11,793 587 11,157 49

I.1

Part II

Industry Profile of the Philippine

Banking System

8,448 8,620 8,877 9,050 9,410 9,935 10,361 10,756 11,178 11,793

818 785 758 726 696 673 648 632 602 587

7,630 7,835 8,119 8,324 8,714 9,262 9,713 10,124 10,576 11,206

4,447 4,520 4,681 4,857 5,145 5,461 5,833 6,060 6,237 6,483

38 38 38 38 37 36 36 40 42 43

4,409 4,482 4,643 4,819 5,108 5,425 5,797 6,020 6,195 6,440

3,952 4,009 4,121 4,207 4,622 5,010 5,336 5,540 5,709 5,935

17 18 19 20 21 21 21 21 21 21

3,935 3,991 4,102 4,187 4,601 4,989 5,315 5,519 5,688 5,914

3,512 3,569 3,674 3,743 4,147 4,523 4,827 5,001 5,138 5,331

Head Offices 11 11 11 11 12 12 12 12 12 12

Branches/ Other Offices 3,501 3,558 3,663 3,732 4,135 4,511 4,815 4,989 5,126 5,319

15 16 17 17 17 17 17 15 12 12

Head Offices 3 4 5 6 6 6 6 6 6 6

Branches/ Other Offices 12 12 12 11 11 11 11 9 6 6

425 424 430 447 458 470 492 524 559 592

Head Offices 3 3 3 3 3 3 3 3 3 3


495 511 560 650 523 451 497 520 528 548

21 20 19 18 16 15 15 19 21 22

474 491 541 632 507 436 482 501 507 526

410 427 472 561 432 337 373 399 407 423

Head Offices 7 7 8 8 6 5 5 5 5 5


69 69 74 76 78 100 103 103 104 105

Head Offices 3 3 2 2 2 2 2 2 2 2


16 15 14 13 13 14 21 18 17 20

Head Offices 11 10 9 8 8 8 8 12 14 15


1,327 1,333 1,418 1,491 1,619 1,828 1,920 2,086 2,176 2,417

77 73 73 71 70 71 69 68 60 55

1,250 1,260 1,345 1,420 1,549 1,757 1,851 2,018 2,116 2,362

2,674 2,767 2,778 2,702 2,646 2,646 2,608 2,610 2,765 2,893

703 674 647 617 589 566 543 524 500 489

1,971 2,093 2,131 2,085 2,057 2,080 2,065 2,086 2,265 2,404

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

Type of Bank 2008 2009 2010 2011 2012 2013

Head Offices

2014 2015 2016 2017

Banking System

Head Offices

Branches/ Other Offices

I. Universal and Commercial Banks

Head Offices


A. Universal Banks

Head Offices


Private Domestic Banks

Foreign Bank Branches

Government Banks

B . Commercial Banks

Head Offices



Foreign Bank Subsidiaries


II. Thrift Banks


III. Rural and Cooperative Banks

Head Offices



II. 1

Overseas

11,206 3,567 7,590 49

6,440 2,945 3,446 49

5,914 2,713 3,152 49

5,319 2,594 2,677 48352 352

1 ASIA UNITED BANK CORPORATION 226 121 105

2 BANK OF THE PHIL ISLANDS 683 355 326 2

3 BDO UNIBANK INC 1,128 541 579 8

4 CHINA BANKING CORP 435 224 211

5 EAST WEST BANKING CORP 389 210 179

6 METROPOLITAN BANK & TCO 712 307 397 8

7 PHIL NATIONAL BANK 664 247 387 30

8 PHIL TRUST COMPANY 61 40 21

9 RIZAL COMM'L BANKING CORP 328 146 182

10 SECURITY BANK CORP 302 173 129

11 UNION BANK OF THE PHILS 204 134 70

12 UNITED COCONUT PLANTERS BANK 187 96 91UNION BANK OF THE PHILS

6 4 2

1 ANZ BANKING GROUP LTD

2 DEUTSCHE BANK AG

3 HONGKONG & SHANGHAI BANKING CORP 6 4 2

4 ING BANK N.V.

5 MIZUHO BANK LTD - MANILA BRANCH

6 STANDARD CHARTERED BANK

589 115 473 1

1 AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS 8 1 7

2 DEVELOPMENT BANK OF THE PHIL 143 20 123

3 LAND BANK OF THE PHILIPPINES 438 94 343 1

526 232 294

418 187 231

1 BANK OF COMMERCE 133 61 72

2 BDO PRIVATE BANK, INC. 6 4 2

3 PHIL BANK OF COMMUNICATIONS 86 43 43

4 PHILIPPINE VETERANS BANK 59 14 45

5 ROBINSONS BANK CORPORATION 134 65 69

103 42 61

1 24 13 11

2 79 29 50

5 3 2

1 BANGKOK BANK PUBLIC CO LTD

2 BANK OF AMERICA N.A.

3 BANK OF CHINA LIMITED-MANILA BRANCH

4 CATHAY UNITED BANK CO LTD - MANILA BRANCH

5 CITIBANK, N.A. 4 3 1

6 FIRST COMMERCIAL BANK LTD MANILA BRANCH

7 INDUSTRIAL BANK OF KOREA MANILA BRANCH

8 JP MORGAN CHASE BANK NATIONAL ASSN.

9 KEB HANA BANK - MANILA BRANCH 1 1

10 MEGA INT'L COMM'L BANK CO LTD

11 SHINHAN BANK - MANILA BRANCH

12 SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH

13 THE BNK OF TOKYO-MITSUBISHI UFJ LTD

14 UNITED OVERSEAS BANK LIMITED MANILA BRANCH

1/ Excluding Head Offices


CTBC BANK (PHILIPPINES) CORP

MAYBANK PHILIPPINES INCORPORATED


B . Commercial Banks

Government Banks



A. Universal Banks


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

I. Universal and Commercial Banks


Total

Type of BankBranches and Other Offices

1/

T O T A L Metro Manila Countryside

II. 2

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

2,362 552 1,810

1 1ST VALLEY BANK INC A DEVELOPMENT BANK 47 47

2 ALLBANK (A THRIFT BANK) INC 9 3 6

3 BANGKO KABAYAN INC (A PRIVATE DEVELOPMENT BANK) 23 23

4 BANK OF MAKATI (A SAVINGS BANK) INC 61 20 41

5 BANK ONE SAVINGS AND TRUST CORP. 6 6

6 BATAAN DEVELOPMENT BANK 6 6

7 BPI DIRECT BANKO INC A SAVINGS BANK 103 2 101

8 BPI FAMILY SAVINGS BANK INC 171 98 73

9 BUSINESS AND CONSUMERS BANK (A DB) 4 4

10 CARD SME BANK INC A THRIFT BANK 196 196

11 CENTURY SAVINGS BANK CORPORATION 7 3 4

12 CHINA BANK SAVINGS INC 159 77 82

13 CITY SAVINGS BANK INC 105 11 94

14 CITYSTATE SAVINGS BANK INC 29 18 11

15 CORDILLERA SAVINGS BANK INC 2 2

16 DUMAGUETE CITY DEV BANK INC 4 4

17 ENTERPRISE BANK INC (A THRIFT BANK) 31 31

18 EQUICOM SAVINGS BANK INC 10 3 7

19 FARMERS SAVINGS & LOAN BANK INC 7 7

20 FIRST CONSOLIDATED BANK INC (A PDB) 128 128

21 HIYAS BANKING CORPORATION 5 5

22 HSBC SAVINGS BANK(PHILS) INC 8 8

23 INTER-ASIA DEVELOPMENT BANK 1 1

24 ISLA BANK(A THRIFT BANK) INC 2 2

25 LEGAZPI SAVINGS BANK INC 13 13

26 LEMERY SAVINGS & LOAN BANK, INC. 2 2

27 LIFE SAVINGS BANK INC

28 LUZON DEVELOPMENT BANK 39 7 32

29 MALASIQUI PROGRESSIVE SLB, INC

30 MALAYAN BANK SAVINGS AND MORT BANK INC 20 8 12

31 MARITIME SAVINGS BANK CORPORATION 3 3

32 MAXIMUM SAVINGS BANK INC 3 1 2

33 MERCHANTS SAVINGS & LOAN ASSN INC 22 22

34 METRO CEBU PUBLIC SAVINGS BANK 2 2

35 NORTHPOINT DEV'T BANK INC 29 6 23

36 PACIFIC ACE SAVINGS BANK INC

37 PAMPANGA DEVELOPMENT BANK 3 3

38 PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) 32 32

39 PHIL POSTAL SAVINGS BANK INC 30 30

40 PHIL SAVINGS BANK 254 113 141

41 PHIL STAR DEVELOPMENT BANK INC

42 PHILIPPINE BUSINESS BANK INC A SAVINGS BANK 142 51 91

43 PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS BANK) 116 13 103

44 PNB SAVINGS BANK 56 11 45

45 PRODUCERS SAVINGS BANK CORPORATION 154 4 150

46 QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK 15 1 14

47 QUEZON COCONUT BANK INC (A THRIFT BANK)

48 RCBC SAVINGS BANK INC 156 51 105

49 STERLING BANK OF ASIA INC (A SAVINGS BANK) 46 27 19

50 SUN SAVINGS BANK INC 4 4

51 THE PALAWAN BANK (PALAWAN DB) INC 9 9

52 UCPB SAVINGS BANK 61 4 57

53 UNIVERSITY SAVINGS BANK INC 4 1 3

54 WEALTH DEVELOPMENT BANK CORPORATION 21 3 18

55 YUANTA SAVINGS BANK PHILIPPINES INC 2 2

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

A. Rural Banks 2,278 70 2,208

B. Cooperative Banks 126 126

1/ Excluding Head Offices


Type of Bank

Branches and Other Offices 1/

T O T A L Metro Manila Countryside

II. Thrift Banks

II. 3

2008 2009 2010 2011 2012 2013 2014 2015 2016 2017

7,741 8,458 9,370 10,659 12,225 14,530 15,695 17,317 19,084 20,279

5,423 5,744 6,165 6,608 7,282 8,477 9,064 9,751 10,722 11,279

2,318 2,714 3,205 4,051 4,943 6,053 6,631 7,566 8,362 9,000

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

4,645 4,935 5,217 5,574 6,130 7,069 7,474 8,033 8,854 9,353

2,158 2,445 2,855 3,623 4,380 5,382 5,862 6,706 7,503 8,100

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

683 708 819 835 944 1,118 1,169 1,296 1,381 1,424

142 251 332 394 527 622 711 794 792 815

C. Rural and Cooperative Banks 113 119 147 233 244 339 479 488 554 587

95 101 129 199 208 290 421 422 487 502

18 18 18 34 36 49 58 66 67 85

On-site

Table 1.c NUMBER OF AUTOMATED TELLER MACHINES The Philippine Banking System2008- 2017

Name of Bank

Total

Off-site


Off-site

On-site

Off-site

On-site

Off-site

On-site

II. 4

Hua Nan Commercial Bank, Ltd. - Manila Branch

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

Cooperative Bank of Misamis Oriental Rural Bank 30-Jun-17

Bukidnon Cooperative Bank Rural Bank 30-Jun-17

Cooperative Bank of Agusan Norte - Butuan City Rural Bank 30-Jun-17

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

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

Ilocos Sur Cooperative Bank Rural Bank 1-Dec-17

Cooperative Bank of Ilocos Norte Rural Bank 1-Dec-17

Rural Bank of Nagcarlan, Inc. Rural Bank 11-Dec-17

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

Dungganon Bank (A Microfinance Thrift Bank), Inc

Microfinance-

Oriented Thrift

Bank

Microfinance-

Oriented Rural

Bank

Village Bank, Inc. (A Thrift Bank) Thrift Bank Rural Bank

THRIFT BANKS

Security Bank Savings Corporation 11-Apr-17

World Partners Bank (A Thrift Bank) 11-Aug-17

RURAL AND COOPERATIVE BANKS

Countryside Cooperative Rural Bank of Batangas 12-Jan-17

Rural Bank of Barotac Viejo (Iloilo), Inc. 23-Feb-17

Rural Bank of Goa (Camarines Sur), Inc. 16-Mar-17

Rural Bank of Ragay (Camarines Sur), Inc. 20-Apr-17

Rural Bank of Iligan City, Inc. 20-Apr-17

Cabanatuan City Rural Bank, Inc. 28-Sep-17

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

I. NEW BANKS

Name of Bank Address Date Opened

Date of Closure

Mindanao Consolidated Cooperative BankRural Bank

(Coop)

Unit 2 and 3, 26th Floor , Tower 6789, 6789 Ayala Avenue

1223 Makati City4-Aug-17

II. MERGERS/ACQUISITIONS/CONSOLIDATIONS

Surviving/Acquiring Bank Bank Category Absorbed Bank(s)Bank/NBFI

CategoryEffectivity Date

Ilocos Consolidated Cooperative Bank, Inc.Rural Bank

(Coop)

Banco Dipolog, Inc. A Rural Bank Rural Bank

III. CONVERSIONS


Effectivity Date

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

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

From Bank Category To Bank Category

IV. CLOSURES

Name of Bank

II. 5

Table 2 BALANCE SHEET


2013 - 2017

In Million Pesos

3.31 6.30 9.30 12.31

TOTAL ASSETS 9,970,839 11,168,982 12,089,144 13,591,203 13,777,294 14,242,197 14,615,346 15,166,160

Cash and Due from banks 2,553,262 2,478,899 2,473,059 2,765,737 2,775,413 2,753,277 2,724,057 2,713,487

Financial Assets, gross (Net of amortization) 2,006,647 2,272,686 2,496,502 2,595,291 2,702,455 2,818,067 2,844,334 2,914,519

Accumulated Market Gains/Losses (9,406) 18,476 2,508 (5,506) (922) 3,002 5,391 (9,832)

Financial Assets, gross (Net of

amortization and Market Gains/Losses) 1,997,241 2,291,162 2,499,010 2,589,785 2,701,533 2,821,069 2,849,726 2,904,687

Allowance for Credit Losses 25,801 24,477 25,850 24,850 24,636 24,055 23,756 23,515

Financial Assets, gross (net of amortization and

credit losses) 1,971,440 2,266,685 2,473,160 2,564,934 2,676,897 2,797,014 2,825,969 2,881,171

Loans, gross 1/

4,896,950 5,832,377 6,527,267 7,612,119 7,671,601 8,021,806 8,396,013 8,865,601

Allowance for Probable Losses 160,874 161,573 161,646 172,826 177,096 178,057 183,073 184,251

Loans, net (inclusive of IBL) 4,736,076 5,670,804 6,365,621 7,439,293 7,494,505 7,843,749 8,212,940 8,681,350

Equity Investments, gross 182,240 203,567 225,858 241,469 249,539 248,927 255,052 254,915

Allowance for Probable Losses 1,695 2,126 1,927 2,006 1,414 1,020 999 1,040

Equity Investments, net 180,545 201,440 223,931 239,463 248,125 247,906 254,054 253,875

Real and Other Properties Acquired, net 109,531 96,960 93,094 91,493 91,021 88,464 86,566 92,343

Other Assets 419,986 454,194 460,277 490,283 491,332 511,787 511,760 543,933

LIABILITIES AND CAPITAL 9,970,839 11,168,982 12,089,144 13,591,203 13,777,294 14,242,197 14,615,346 15,166,160

LIABILITIES 8,845,032 9,802,693 10,685,576 12,043,112 12,134,929 12,549,283 12,876,640 13,409,369

Financial Liabilities Held for Trading 40,789 56,194 28,228 36,103 26,728 29,673 26,336 32,537

Financial Liabilities Designated at Fair 0 0 0 0 0 0 0 0

Value through Profit or Loss

Deposit Liabilities 7,608,868 8,524,553 9,231,344 10,506,562 10,635,757 11,018,722 11,324,811 11,726,967

Peso Liabilities 6,448,698 7,090,348 7,689,474 8,708,716 8,704,602 9,080,595 9,259,791 9,698,463

Demand and NOW 1,550,771 1,707,489 1,973,764 2,262,162 2,311,696 2,450,873 2,510,954 2,618,530

Savings 3,021,866 3,351,844 3,753,596 4,324,440 4,234,246 4,342,856 4,394,939 4,596,162

Time 1,789,282 1,924,859 1,847,174 1,991,076 2,024,594 2,138,742 2,185,884 2,289,729

LTNCD 86,778 106,156 114,939 131,038 134,066 148,123 168,013 194,042

Foreign Currency 1,160,170 1,434,205 1,541,870 1,797,846 1,832,548 1,827,774 1,945,897 1,918,149

Bills Payable 502,389 517,643 629,417 703,906 681,891 719,937 675,717 787,239

Deposits Substitutes 155,141 195,397 284,283 304,531 291,662 332,963 294,325 301,036

Others 347,248 322,246 345,134 399,375 390,229 386,973 381,392 486,202

Special Financing 58 31 129 67 28 47 16 50

Unsecured Subordinated Debt 62,804 109,890 113,757 89,683 87,932 84,455 84,977 86,984

Redeemable Preferred Shares 320 936 887 864 869 912 895 888

Other Liabilities 629,803 593,447 681,813 705,927 701,723 695,536 763,887 774,704

TOTAL CAPITAL ACCOUNTS 1,125,807 1,366,289 1,403,568 1,548,091 1,642,365 1,692,915 1,738,706 1,756,791

Capital Stock 542,237 610,570 670,074 723,714 781,804 802,692 806,768 810,546

Assigned Capital 27,228 60,276 80,605 87,825 87,825 87,825 89,925 89,925

Net Due to Head Office 95,317 140,035

Accumulated Earnings 37,640 41,585 45,879 45,936 45,841 45,765

Other Equity Instruments 27,592 27,869 17,967 12,058 12,058 12,053 12,063 12,053

Retained Earnings and Undivided Profits 2/

433,433 527,540 597,281 682,909 714,798 744,408 784,109 798,501


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



2017Accounts 2013 2014 2015 2016

II. 6

Table 2.a BALANCE SHEET Universal and Commercial Banks

2013 - 2017

In Million Pesos

3.31 6.30 9.30 12.31

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


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

Accumulated Market Gains/Losses (7,505) 18,159 2,886 (4,432) (152) 3,519 5,767 (9,114)


Market Gains/Losses) 1,918,824 2,198,655 2,386,091 2,471,268 2,577,370 2,686,422 2,712,177 2,760,216



credit losses) 1,894,055 2,174,960 2,360,984 2,447,121 2,553,413 2,663,048 2,689,083 2,737,333

Loans, gross 1/

4,256,963 5,117,884 5,719,665 6,706,312 6,751,129 7,089,734 7,435,519 7,867,078

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


Equity Investments gross 179,741 201,933 224,155 238,907 246,848 246,141 252,299 252,000

Allowance for probable losses 1,450 1,880 1,681 1,753 1,160 767 745 795



Other assets 373,593 405,006 405,587 431,475 432,158 452,147 451,152 481,210


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






Demand and NOW 1,486,162 1,643,520 1,898,243 2,182,512 2,230,033 2,363,742 2,422,532 2,526,165

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

Time 1,407,868 1,497,314 1,375,361 1,463,700 1,479,380 1,560,691 1,625,615 1,715,407

LTNCD 86,745 106,156 114,939 131,037 130,690 144,748 164,638 190,667

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

Bills Payable 462,450 458,872 583,320 660,845 646,231 688,743 640,267 741,176


Others 307,309 263,635 301,056 360,171 358,701 358,432 349,769 442,561





TOTAL CAPITAL ACCOUNTS 1,003,572 1,216,815 1,238,226 1,372,427 1,461,267 1,509,481 1,548,731 1,565,221

Capital Stock 462,415 514,998 573,365 630,109 687,022 707,227 708,714 708,886





Retained Earnings and Undivided Profits 2/

391,023 473,804 528,822 600,907 628,541 656,492 692,250 708,644

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




Accounts 2013 2014 2015 20162017

II. 7

Table 2.a.1a BALANCE SHEET Universal Banks

2013 - 2017

In Million Pesos

3.31 6.30 9.30 12.31

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


Financial Assets, gross (Net of Amortization) 1,754,459 1,950,238 2,194,794 2,324,752 2,414,576 2,500,691 2,533,375 2,594,121

Accumulated Market Gains/Losses (4,158) 18,833 5,041 (2,172) 1,573 4,878 7,008 (6,849)

Financial Assets, gross (Net of Amortization

and Market Gains/Losses)

1,750,301 1,969,071 2,199,835 2,322,580 2,416,149 2,505,569 2,540,383 2,587,272


Financial Assets, gross (Net of Amortization and

Credit losses)

1,727,560 1,946,812 2,175,728 2,299,572 2,393,331 2,483,145 2,518,239 2,565,339

Loans, gross 1/

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

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


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

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



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


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






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

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

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

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

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

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


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





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

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






390,298 469,484 519,842 598,437 621,346 646,429 680,479 695,523


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


2015 20162017


Accounts 2013 2014

II. 8

Table 2.a.1b BALANCE SHEET

Commercial Banks

2013 - 2017

In Million Pesos

3.31 6.30 9.30 12.31

TOTAL ASSETS 850,868 924,202 948,328 1,054,283 1,069,648 1,099,269 1,089,130 1,099,846

Cash and Due from banks 228,072 269,152 274,616 275,701 295,413 281,338 281,380 253,212

Financial Assets, gross (net of amortization) 171,870 230,257 188,411 150,948 162,946 182,212 173,034 175,208

Accumulated Market Gains/Losses (3,347) (674) (2,155) (2,260) (1,725) (1,358) (1,241) (2,265)

Financial Assets, gross (net of amortization

and Market Gains/Losses) 168,523 229,584 186,256 148,688 161,221 180,853 171,793 172,944

Allowance for Credit Losses 2,028 1,435 1,000 1,139 1,139 950 950 950


credit losses) 166,495 228,148 185,256 147,549 160,082 179,903 170,843 171,994

Loans, gross 1/

421,915 385,752 452,974 594,926 578,608 602,269 602,590 640,047


Loans, net (inclusive of IBL) 407,890 369,980 438,231 580,340 564,055 588,292 588,423 625,523


Allowance for probable losses 6 14 22 24 24 24 24 24



Other assets 40,151 47,381 40,692 40,665 39,710 39,526 38,215 38,532

LIABILITIES AND CAPITAL 850,868 924,202 948,328 1,054,283 1,069,648 1,099,269 1,089,130 1,099,846

LIABILITIES 727,158 766,095 816,996 914,693 928,209 955,076 939,823 949,340




Deposit Liabilities 584,852 656,425 653,244 754,768 775,099 787,526 780,419 805,553

Peso Liabilities 437,132 474,858 474,609 532,180 524,826 554,163 544,131 566,166

Demand and NOW 172,180 192,588 200,265 226,026 224,835 232,825 229,551 230,622

Savings 156,450 177,889 169,656 184,909 181,069 186,908 187,354 203,393

Time 108,501 104,381 104,689 121,246 118,922 130,249 123,043 127,969

LTNCD 0 0 0 0 0 4,182 4,182 4,182

Foreign Currency 147,721 181,567 178,635 222,588 230,553 207,736 219,654 222,426

Bills Payable 21,091 10,848 18,045 17,553 21,080 32,197 26,899 28,282


Others 19,215 7,739 12,014 7,454 11,161 22,656 18,163 20,313


Unsecured Subordinated Debt 0 0 0 0 0 0 0 1,990



TOTAL CAPITAL ACCOUNTS 123,710 158,107 131,333 139,590 141,439 144,193 149,307 150,506

Capital Stock 52,121 54,185 55,567 62,861 59,715 59,715 61,109 61,109




Other Equity Instruments 0 0 0 0 0 0 0 0


725 4,320 8,979 2,470 7,196 10,063 11,771 13,121



2015 20162017



Accounts 2013 2014

II. 9

Table 2.a.2a BALANCE SHEET

Private Domestic Universal and Commercial Banks

2013 - 2017

In Million Pesos

3.31 6.30 9.30 12.31

TOTAL ASSETS 6,721,217 7,536,559 8,227,656 9,342,599 9,472,681 9,785,237 10,100,554 10,493,944


Financial Assets, gross (net of amortization) 1,389,998 1,487,061 1,701,651 1,679,886 1,786,671 1,859,115 1,872,945 1,844,378

Accumulated Market Gains/Losses (21,853) 2,900 (8,087) (7,747) (4,845) (2,702) (2,320) (14,928)


and Market Gains/Losses) 1,368,144 1,489,961 1,693,565 1,672,140 1,781,825 1,856,413 1,870,624 1,829,449



and credit losses) 1,346,548 1,469,203 1,671,330 1,650,879 1,760,755 1,835,731 1,850,222 1,809,259

Loans, gross 1/

3,304,099 4,040,225 4,488,976 5,353,218 5,360,808 5,628,948 5,884,855 6,245,159




Allowance for probable losses 1,363 1,371 1,169 1,241 648 255 233 233



Other assets 316,442 340,345 350,215 374,413 367,474 387,747 390,094 411,561


LIABILITIES 5,970,231 6,655,712 7,244,763 8,252,678 8,300,564 8,575,698 8,862,016 9,244,041






Demand and NOW 905,103 986,251 1,161,636 1,333,902 1,342,024 1,393,540 1,427,419 1,497,635

Savings 2,213,069 2,383,926 2,702,478 3,111,093 3,096,891 3,194,133 3,241,733 3,326,098

Time 1,208,020 1,324,928 1,201,375 1,290,173 1,334,548 1,388,316 1,461,936 1,554,937

LTNCD 81,744 101,156 103,939 120,037 119,690 133,748 153,638 179,667

Foreign Currency 860,766 1,060,289 1,180,378 1,395,988 1,420,815 1,421,049 1,522,502 1,496,581

Bills Payable 321,829 339,753 445,662 521,196 493,793 531,015 487,605 601,488


Others 170,923 151,108 174,530 233,629 219,096 211,547 208,025 314,700





TOTAL CAPITAL ACCOUNTS 750,986 880,847 982,894 1,089,921 1,172,117 1,209,539 1,238,537 1,249,903

Capital Stock 423,613 475,925 534,563 580,479 637,391 654,416 655,903 656,074

Assigned Capital 0 0 0 0 0 0 0 0

Net Due to Head Office

Accumulated Earnings 0 0 0 0 0



305,556 383,033 430,536 497,442 522,726 543,123 570,635 581,829





2017Accounts 2013 2014 20162015

II. 10

Table 2.a.2b BALANCE SHEET Government Banks

1/

2013 - 2017

In Million Pesos

3.31 6.30 9.30 12.31

TOTAL ASSETS 1,278,958 1,527,189 1,706,903 1,931,777 1,889,021 2,017,599 2,037,543 2,212,796



Accumulated Market Gains/Losses 14,194 15,138 11,719 3,768 5,422 6,631 8,348 6,642





credit losses) 418,696 490,874 487,952 655,753 637,634 651,787 685,181 764,275

Loans, gross 2/

446,749 625,554 740,570 760,630 772,284 852,870 887,761 968,276







Other assets 28,265 32,116 31,513 34,174 35,907 38,126 37,900 45,921


LIABILITIES 1,165,497 1,408,926 1,588,903 1,801,973 1,754,166 1,874,927 1,888,787 2,061,009

Financial Liabilities Held for Trading 365 172 158 217 212 136 56 19



Deposit Liabilities 957,224 1,208,069 1,370,780 1,592,838 1,539,987 1,663,916 1,674,271 1,838,218

Peso Liabilities 902,858 1,113,428 1,292,739 1,502,677 1,444,362 1,551,430 1,559,251 1,717,878

Demand and NOW 401,381 463,225 566,065 669,015 723,814 800,573 818,934 854,901

Savings 448,691 584,700 635,736 752,563 663,157 679,192 675,288 792,696

Time 47,785 60,504 79,939 70,098 46,391 60,665 54,028 59,281

LTNCD 5,000 5,000 11,000 11,000 11,000 11,000 11,000 11,000


Bills Payable 123,002 105,434 122,082 131,000 139,658 134,683 133,817 121,652


Others 118,912 98,843 110,975 117,893 126,826 123,840 122,900 109,827






Capital Stock 25,476 25,476 25,476 36,305 36,305 39,486 39,486 39,486



Accumulated Earnings 0 0 0 0 0

Other Equity Instruments 5,771 5,814 0 0 0 0 0 0


82,213 86,973 92,524 93,498 98,549 103,186 109,269 112,301

1/ Consist of Al-Amanah Islamic bank of the Philippines, Development Bank of the Philippines, and Landbank of the Philippines





20162017

Accounts 2013 2014 2015

II. 11

Table 2.a.2c BALANCE SHEET Foreign Bank Branches (Universal/Commercial Banks)

2013 - 2017

In Million Pesos

3.31 6.30 9.30 12.31

TOTAL ASSETS 895,121 900,390 842,161 894,994 955,896 938,082 971,353 907,295



Accumulated Market Gains/Losses 345 178 (694) (413) (694) (383) (242) (756)



Allowance for Credit Losses 305 305 302 302 302 302 302 302


and credit losses) 118,654 203,555 192,211 132,193 144,107 162,599 139,978 151,756

Loans, gross 1/

442,529 385,579 409,933 504,045 525,133 514,019 563,466 548,075






Real and Other Properties Acquired, net 19 7 12 23 22 20 19 15

Other assets 25,008 27,744 18,340 16,702 22,170 19,486 15,866 16,208

LIABILITIES AND CAPITAL 895,121 900,390 842,161 894,994 955,896 938,082 971,353 907,295

LIABILITIES 772,575 699,630 723,269 760,916 820,487 800,340 829,577 763,747






Demand and NOW 157,567 171,095 143,967 150,867 135,303 142,301 146,725 144,268

Savings 65,605 64,747 70,117 87,385 92,850 86,008 88,412 82,418

Time 124,667 86,793 60,301 60,301 58,702 67,401 66,612 61,376

LTNCD 0 0 0 0 0 0 0 0


Bills Payable 10,480 8,806 6,893 3,673 5,907 14,664 9,192 4,063

Deposits Substitutes 145 0 25 0 0 0 0 0

Others 10,335 8,806 6,868 3,673 5,907 13,461 9,164 4,063


Unsecured Subordinated Debt 0 0 0 0 0 0 0 0




Capital Stock 0 271 0 0 0 0 0 0






0 178 647 4,668 1,705 3,980 6,010 7,858





2017Accounts 2013 2014 20162015

II. 12

Table 2.a.2d BALANCE SHEET Foreign Bank Subsidiaries (Universal/Commercial Banks) 2013 - 2017

In Million Pesos

3.31 6.30 9.30 12.31

TOTAL ASSETS 101,837 105,492 118,458 132,358 137,855 140,602 147,391 149,243



Accumulated Market Gains/Losses (190) (57) (53) (41) (35) (27) (18) (70)





credit losses) 10,157 11,328 9,491 8,295 10,917 12,931 13,702 12,043

Loans, gross 1/

63,586 66,526 80,186 88,418 92,905 93,896 99,438 105,568



Equity Investments gross 0 0 0 0 0 0 0 0


Equity Investments, net 0 0 0 0 0 0 0 0

Real and Other Properties Acquired, net 733 758 1,006 1,082 1,512 1,430 1,473 1,456

Other assets 3,878 4,801 5,520 6,185 6,607 6,788 7,292 7,521


LIABILITIES 85,258 88,547 100,018 113,734 118,968 121,075 127,728 129,261






Demand and NOW 22,111 22,950 26,575 28,727 28,893 27,328 29,453 29,360

Savings 13,575 11,265 10,858 14,198 17,249 15,869 15,525 15,698

Time 27,396 25,089 33,746 43,127 39,739 44,309 43,039 39,813

LTNCD 0 0 0 0 0 0 0 0


Bills Payable 7,140 4,878 8,682 4,976 6,873 8,382 9,652 13,972


Others 7,140 4,878 8,682 4,976 6,872 8,381 9,651 13,971


Unsecured Subordinated Debt 0 0 0 0 0 0 0 1,990




Capital Stock 13,326 13,326 13,326 13,326 13,326 13,326 13,326 13,326



Accumulated Earnings 0 0 0 0 0 0



3,254 3,620 5,115 5,299 5,561 6,202 6,337 6,656





20162017

Accounts 2013 2014 2015

II. 13

Table 2.b BALANCE SHEET Thrift Banks 2013 - 2017

In Million Pesos

3.31 6.30 9.30 12.31

TOTAL ASSETS 771,380 880,970 995,178 1,077,544 1,103,963 1,136,979 1,129,336 1,168,195



Accumulated Market Gains/Losses (2,295) 62 (362) (1,088) (786) (533) (390) (716)





credit losses) 66,616 79,267 97,847 101,020 103,215 108,958 110,238 116,166

Loans, gross 1/

508,199 576,057 688,892 778,133 792,147 802,118 825,100 860,304







Other assets 32,701 33,845 40,734 43,849 43,868 44,081 45,298 46,294

LIABILITIES AND CAPITAL 771,380 880,970 995,178 1,077,544 1,103,963 1,136,979 1,129,336 1,168,195

LIABILITIES 685,813 772,180 867,067 941,657 963,936 995,652 983,628 1,021,582






Demand and NOW 60,424 59,244 70,904 75,580 77,586 82,834 84,183 87,984

Savings 194,941 220,430 241,624 253,042 252,240 250,565 254,565 258,069

Time 332,788 375,082 430,683 486,836 505,043 537,761 519,169 532,970

LTNCD 0 0 0 0 3,375 3,375 3,375 3,375


Bills Payable 23,652 36,446 31,180 29,113 24,142 20,423 24,464 32,963

Deposits Substitutes 0 0 2,001 3,856 4,132 2,653 3,827 2,422

Others 23,652 36,446 29,179 25,257 20,010 17,770 20,637 30,541






Capital Stock 54,893 70,151 72,197 67,354 67,604 67,587 68,623 71,426



Accumulated Earnings



30,674 38,513 55,789 68,533 72,422 73,740 77,086 75,187





20162017

Accounts 2013 2014 2015

II. 14

Table 2.c BALANCE SHEET Rural and Cooperative Banks 2013 - 2017

In Million Pesos

3.31 6.30 9.30 12.31

TOTAL ASSETS 202,327 218,382 198,787 211,931 217,878 223,697 229,169 234,687



Accumulated Market Gains/Losses 394 255 (16) 14 16 16 15 (2)





credit losses) 10,768 12,458 14,329 16,793 20,270 25,008 26,649 27,673

Loans, gross 1/

131,788 138,436 118,711 127,674 128,324 129,954 135,393 138,219



Equity Investments gross 113 154 169 186 245 222 286 314


Equity Investments, net 113 153 169 179 238 214 278 307


Other assets 13,691 15,343 13,956 14,959 15,306 15,559 15,310 16,429


LIABILITIES 165,658 177,698 161,556 172,154 176,807 181,590 184,902 189,729






Demand and NOW 4,185 4,724 4,617 4,070 4,077 4,297 4,240 4,380

Savings 85,985 86,776 92,783 106,158 111,860 117,091 119,417 121,183

Time 48,625 52,463 41,130 40,540 40,171 40,290 41,100 41,352

LTNCD 34 1 1 1 1 1 0 0

Foreign Currency 82 88 100 120 120 130 134 135

Bills Payable 16,287 22,325 14,918 13,947 11,519 10,770 10,986 13,100


Others 16,287 22,165 14,899 13,947 11,519 10,770 10,986 13,100


Unsecured Subordinated Debt 359 159 159 154 1,364 1,370 1,376 1,376




Capital Stock 24,930 25,421 24,512 26,250 27,178 27,878 29,431 30,235



Accumulated Earnings



11,736 15,223 12,671 13,468 13,834 14,176 14,773 14,671





20162017

Accounts 2013 2014 2015

II. 15

ACCOUNTS TOTAL UNIVERSAL AND

COMMERCIAL BANKS THRIFT BANKS

ASSETS

Cash and Cash Items 231,047 216,176 14,870

Due from Bangko Sentral ng Pilipinas 1,911,591 1,807,730 103,861

Due from Other Banks 381,609 349,853 31,757

Financial Assets at Fair Value through Profit or Loss 183,087 182,172 916

Available-for-Sale Financial Assets, Net 990,894 947,042 43,853

Held-to-Maturity (HTM) Financial Assets, Net 1,483,907 1,416,238 67,669

Unquoted Debt Securities Classified as Loans, Net 61,125 57,793 3,332

Investments in Non-Marketable Equity Security, Net 15,641 15,601 40

Loans and Receivables, Net 8,254,793 7,421,547 833,246

Loans to Bangko Sentral ng Pilipinas 0 0 0

Interbank Loans Receivable 244,151 242,289 1,862

Loans and Receivables - Others 7,710,973 6,905,027 805,946

Loans and Receivables Arising from RA/CA/PR/SLB 375,787 342,692 33,094

General Loan Loss Provision 76,117 68,461 7,656

Other Financial Assets 84,866 74,254 10,611

Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 251,121 248,758 2,363

Bank Premises, Furniture, Fixture and Equipment, Net 130,910 118,634 12,276

Real and Other Properties Acquired, Net 57,223 42,266 14,957

Non-Current Assets Held for Sale 3,205 1,417 1,788

Other Assets, Net 296,154 269,467 26,686

Net Due from Head Office/Branches/Agencies, if any (Philippine branch of a

foreign bank) 348 348 0

TOTAL ASSETS 14,337,522 13,169,295 1,168,227

LIABILITIES

Financial Liabilities at Fair Value through Profit or Loss 30,557 30,557 0

Deposit Liabilities 11,074,661 10,129,215 945,446

Due to Other Banks 30,244 30,226 18

Bills Payable 747,598 714,636 32,963

a) BSP (Rediscounting and Other Advances) 27,847 26,906 940

b) Interbank Loans Payable 320,686 295,204 25,482

c) Other Deposit Substitutes 293,068 290,646 2,422

d) Others 105,998 101,880 4,118

Bonds Payable, Net 107,854 107,854 0

Unsecured Subordinated Debt, Net 83,618 79,489 4,129

Redeemable Preferred Shares 764 0 764

Special Time Deposit 0 0 0

Due to Bangko Sentral ng Pilipinas 512 494 18

Other Financial Liabilities 164,705 152,359 12,346

Other Liabilities 331,188 305,279 25,909

Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign

bank) 171,448 171,448 0

TOTAL LIABILITIES 12,743,150 11,721,557 1,021,593

STOCKHOLDERS' EQUITY

Capital Stock 719,158 647,776 71,381

Other Capital Accounts 107,431 91,799 15,632

Retained Earnings 681,569 621,949 59,620

Assigned Capital 86,214 86,214 0

TOTAL STOCKHOLDERS' EQUITY 1,594,372 1,447,739 146,634

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

Table 3 PUBLISHED BALANCE SHEET

Universal, Commercial and Thrift Banks

As of December 31, 2017

In Million Pesos

II. 16

ACCOUNTS TOTAL UNIVERSAL AND

COMMERCIAL BANKS THRIFT BANKS

Table 3 PUBLISHED BALANCE SHEET

Universal, Commercial and Thrift Banks


In Million Pesos

CONTINGENT ACCOUNTS

Guarantees Issued 38,172 38,159 13

Financial Standby Letters of Credit 47,137 47,008 129

Performance Standby Letters of Credit 196,234 195,833 401

Commercial Letters of Credit 118,977 118,430 547

Trade Related Guarantees 44,123 44,117 6

Commitments 1,066,418 1,062,317 4,101

Spot Foreign Exchange Contracts 185,696 185,031 666

Securities Held Under Custodianship by Bank Proper 1,444,522 1,444,522 0

Trust Department Accounts 2,183,750 2,138,303 45,448

a) Trust and Other Fiduciary Accounts 1,609,161 1,575,844 33,317

b) Agency Accounts 574,589 562,458 12,130

c) Advisory/Consultancy 0 0 0

Derivatives 2,950,523 2,946,816 3,707

Others 210,981 209,969 1,012

TOTAL CONTINGENT ACCOUNTS 8,486,534 8,430,505 56,029

ADDITIONAL INFORMATION

Gross Total Loan Portfolio (TLP) 8,418,499 7,558,320 860,179

Specific allowance for credit losses on the TLP 87,589 68,312 19,277

Non-Performing Loans (NPL)

a. Gross NPLs 129,311 88,825 40,487

b. Ratio of gross NPLs to gross TLP (%)

c. Net NPLs 43,933 22,712 21,221

d. Ratio of Net NPLs to gross TLP (%)

Classified Loans & Other Risk Assets, gross of allowance for credit losses 329,774 260,052 69,722

DOSRI Loans and receivables, gross of allowance for credit losses 222,902 219,424 3,478

Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to

gross TLP (%)

Gross non-performing DOSRI loans and receivables 3 3 0

Ratio of gross non-performing DOSRI loans and receivables to TLP (%)

Percent Compliance with Magna Carta (%)

a. 8% Micro and Small Enterprises

b. 2% for Medium Enterprises

Return on Equity (ROE) (%)

Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing

regulations

a. Total CAR (%)

b. Tier 1 CAR (%)

Deferred Charges not yet Written Down 677 0 677

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



II. 17

TOTAL UNIVERSAL BANKS COMMERCIAL BANKS

ASSETS

Cash and Cash Items 216,176 214,424 1,752

Due from Bangko Sentral ng Pilipinas 1,807,730 1,726,418 81,311

Due from Other Banks 349,853 315,759 34,094

Financial Assets at Fair Value through Profit or Loss 182,172 151,208 30,963

Available-for-Sale Financial Assets, Net 947,042 926,379 20,663

Held-to-Maturity (HTM) Financial Assets, Net 1,416,238 1,415,121 1,117

Unquoted Debt Securities Classified as Loans, Net 57,793 57,106 687

Investments in Non-Marketable Equity Security, Net 15,601 15,526 75

Loans and Receivables, Net 7,421,547 7,095,720 325,828


Interbank Loans Receivable 242,289 194,388 47,901

Loans and Receivables - Others 6,905,027 6,712,123 192,904

Loans and Receivables Arising from RA/CA/PR/SLB 342,692 254,642 88,050

General Loan Loss Provision 68,461 65,433 3,028

Other Financial Assets 74,254 72,686 1,568

Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 248,758 248,530 227

Bank Premises, Furniture, Fixture and Equipment, Net 118,634 117,152 1,482

Real and Other Properties Acquired, Net 42,266 42,266 0

Non-Current Assets Held for Sale 1,417 1,417 0

Other Assets, Net 269,467 263,722 5,746


foreign bank) 348 0 348

TOTAL ASSETS 13,169,295 12,663,433 505,862

LIABILITIES

Financial Liabilities at Fair Value through Profit or Loss 30,557 28,666 1,891

Deposit Liabilities 10,129,215 9,808,813 320,402

Due to Other Banks 30,226 3,821 26,404

Bills Payable 714,636 712,894 1,742

a) BSP (Rediscounting and Other Advances) 26,906 26,906 0

b) Interbank Loans Payable 295,204 293,468 1,735

c) Other Deposit Substitutes 290,646 290,646 0

d) Others 101,880 101,873 7

Bonds Payable, Net 107,854 107,854 0

Unsecured Subordinated Debt, Net 79,489 79,489 0




Other Financial Liabilities 152,359 139,539 12,820

Other Liabilities 305,279 287,476 17,803


bank) 171,448 105,327 66,121

TOTAL LIABILITIES 11,721,557 11,274,368 447,188


Capital Stock 647,776 647,776 0

Other Capital Accounts 91,799 85,586 6,213

Retained Earnings 621,949 621,938 11

Assigned Capital 86,214 33,765 52,449

TOTAL STOCKHOLDERS' EQUITY 1,447,739 1,389,065 58,674

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

ACCOUNTS

CLASSIFIED BY NATURE OF OPERATION

Table 3.a PUBLISHED BALANCE SHEET

Universal and Commercial Banks


In Million Pesos

II. 18

TOTAL UNIVERSAL BANKS COMMERCIAL BANKS ACCOUNTS

CLASSIFIED BY NATURE OF OPERATION




In Million Pesos

CONTINGENT ACCOUNTS

Guarantees Issued 38,159 29,690 8,469

Financial Standby Letters of Credit 47,008 42,689 4,318

Performance Standby Letters of Credit 195,833 163,355 32,478

Commercial Letters of Credit 118,430 114,900 3,530

Trade Related Guarantees 44,117 40,348 3,769

Commitments 1,062,317 922,383 139,934

Spot Foreign Exchange Contracts 185,031 154,097 30,934

Securities Held Under Custodianship by Bank Proper 1,444,522 707,333 737,189

Trust Department Accounts 2,138,303 2,138,254 49

a) Trust and Other Fiduciary Accounts 1,575,844 1,575,796 49

b) Agency Accounts 562,458 562,458 0


Derivatives 2,946,816 2,730,744 216,073

Others 209,969 208,169 1,800

TOTAL CONTINGENT ACCOUNTS 8,430,505 7,251,962 1,178,543


Gross Total Loan Portfolio (TLP) 7,558,320 7,227,031 331,289

Specific allowance for credit losses on the TLP 68,312 65,878 2,434


a. Gross NPLs 88,825 87,831 993


c. Net NPLs 22,712 24,153 (1,441)


Classified Loans & Other Risk Assets, gross of allowance for credit losses 260,052 241,392 18,660

DOSRI Loans and receivables, gross of allowance for credit losses 219,424 219,286 138


gross TLP (%)








regulations0 0 0

a. Total CAR (%)

b. Tier 1 CAR (%)





II. 19




In Million Pesos

PRIVATE DOMESTIC

BANKS GOVERNMENT BANKS

FOREIGN BANK

BRANCHES

FOREIGN BANK

SUBSIDIARIES

ASSETS

Cash and Cash Items 181,608 36,542 2,570 2,263

Due from Bangko Sentral ng Pilipinas 1,380,990 380,627 134,375 18,713

Due from Other Banks 282,188 25,107 61,048 3,783

Financial Assets at Fair Value through Profit or Loss 102,021 17,055 60,483 1,859

Available-for-Sale Financial Assets, Net 634,398 288,272 82,947 6,232

Held-to-Maturity (HTM) Financial Assets, Net 1,046,933 404,007 7,093 3,927

Unquoted Debt Securities Classified as Loans, Net 25,062 40,207 1,100 10

Investments in Non-Marketable Equity Security, Net 845 14,734 132 16

Loans and Receivables, Net 6,129,973 949,008 538,799 103,464

Loans to Bangko Sentral ng Pilipinas 0 0 0 0

Interbank Loans Receivable 116,741 61,286 65,661 4,723

Loans and Receivables - Others 5,972,878 782,743 321,555 94,464

Loans and Receivables Arising from RA/CA/PR/SLB 97,628 113,116 156,300 5,163

General Loan Loss Provision 57,274 8,138 4,718 887

Other Financial Assets 62,298 13,078 2,769 824

Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 244,015 4,666 2,524 0

Bank Premises, Furniture, Fixture and Equipment, Net 111,433 9,971 2,105 553

Real and Other Properties Acquired, Net 42,297 5,013 15 1,395

Non-Current Assets Held for Sale 983 489 0 0

Other Assets, Net 248,902 24,021 11,333 6,204


foreign bank) 0 0 348 0

TOTAL ASSETS 10,493,944 2,212,796 907,643 149,243

LIABILITIES

Financial Liabilities at Fair Value through Profit or Loss 17,084 19 15,092 342

Deposit Liabilities 8,115,718 1,838,218 553,410 107,021

Due to Other Banks 1,100 0 29,125 0

Bills Payable 601,488 121,652 4,063 13,972

a) BSP (Rediscounting and Other Advances) 31,444 62 0 0

b) Interbank Loans Payable 230,686 61,634 2,883 13,971

c) Other Deposit Substitutes 286,788 11,826 0 1

d) Others 52,571 48,130 1,180 0

Bonds Payable, Net 92,905 14,948 0 0

Unsecured Subordinated Debt, Net 69,494 9,996 0 1,990

Redeemable Preferred Shares 0 0 0 0

Special Time Deposit 0 0 0 0

Due to Bangko Sentral ng Pilipinas 39 412 44 0

Other Financial Liabilities 102,954 29,633 19,990 1,766

Other Liabilities 243,259 46,131 22,747 4,170


bank) 0 0 165,389 0

TOTAL LIABILITIES 9,244,041 2,061,009 809,860 129,261


Capital Stock 656,445 39,486 0 13,341

Other Capital Accounts 60,161 23,113 7,255 1,069

Retained Earnings 533,298 89,188 603 5,571

Assigned Capital 0 0 89,925 0

TOTAL STOCKHOLDERS' EQUITY 1,249,903 151,788 97,783 19,981

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

ACCOUNTS

CLASSIFIED BY OWNERSHIP

II. 20




In Million Pesos

PRIVATE DOMESTIC

BANKS GOVERNMENT BANKS

FOREIGN BANK

BRANCHES

FOREIGN BANK

SUBSIDIARIES

ACCOUNTS

CLASSIFIED BY OWNERSHIP

CONTINGENT ACCOUNTS

Guarantees Issued 21,698 680 17,083 151

Financial Standby Letters of Credit 28,670 7,191 13,389 2,875

Performance Standby Letters of Credit 119,395 3,148 67,938 874

Commercial Letters of Credit 86,103 25,692 7,527 1,593

Trade Related Guarantees 37,304 127 5,416 833

Commitments 675,478 112,429 279,840 12,884

Spot Foreign Exchange Contracts 94,231 2,097 87,464 2,227

Securities Held Under Custodianship by Bank Proper 0 0 1,110,183 0

Trust Department Accounts 2,040,157 268,830 180,304 7,214

a) Trust and Other Fiduciary Accounts 1,326,443 206,030 178,335 1,665

b) Agency Accounts 713,713 62,800 1,969 5,550

c) Advisory/Consultancy 0 0 0 0

Derivatives 1,962,307 33,071 975,439 39,368

Others 122,130 16,878 72,482 6,119

TOTAL CONTINGENT ACCOUNTS 5,187,473 470,143 2,817,067 74,138


Gross Total Loan Portfolio (TLP) 6,245,159 968,276 548,075 105,568

Specific allowance for credit losses on the TLP 57,913 11,131 4,558 1,217

Non-Performing Loans (NPL) 0 0

a. Gross NPLs 78,778 12,514 4,332 1,907


c. Net NPLs 1,384 (223) 690


Classified Loans & Other Risk Assets, gross of allowance for credit losses 218,447 36,492 22,100 6,801

DOSRI Loans and receivables, gross of allowance for credit losses 103,990 120,310 460 76


gross TLP (%)

Gross non-performing DOSRI loans and receivables 3 0 0 0







regulations

a. Total CAR (%)

b. Tier 1 CAR (%)

Deferred Charges not yet Written Down 40 0 0 0

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



II. 21

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

In Million Pesos

ASIA UNITED BANK

CORPORATION BANK OF COMMERCE

BANK OF THE PHIL

ISLANDS

BDO PRIVATE BANK,

INC.

ASSETS

Cash and Cash Items 4,280 1,385 34,160 0

Due from Bangko Sentral ng Pilipinas 26,512 25,704 227,121 11,972

Due from Other Banks 773 5,265 11,103 8,584

Financial Assets at Fair Value through Profit or Loss 8,010 101 8,764 3,351

Available-for-Sale Financial Assets, Net 18,446 16,968 9,641 14,262

Held-to-Maturity (HTM) Financial Assets, Net 0 12,565 251,954 12,828

Unquoted Debt Securities Classified as Loans, Net 785 727 0 3,479

Investments in Non-Marketable Equity Security, Net 12 37 175 6

Loans and Receivables, Net 130,055 65,893 990,825 7,926


Interbank Loans Receivable 3,205 107 10,502 0

Loans and Receivables - Others 127,872 62,283 991,316 4,610

Loans and Receivables Arising from RA/CA/PR/SLB 330 4,130 0 3,387

General Loan Loss Provision 1,353 628 10,994 71

Other Financial Assets 1,095 1,791 8,362 731

Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 1,291 48 49,945 0


Real and Other Properties Acquired, Net 376 2,487 530 0


Other Assets, Net 4,339 4,266 33,759 1,314



TOTAL ASSETS 196,979 138,500 1,636,388 64,495

LIABILITIES

Financial Liabilities at Fair Value through Profit or Loss 0 0 4,788 1,651

Deposit Liabilities 157,952 118,768 1,324,541 56,679

Due to Other Banks 0 0 246 0

Bills Payable 2,719 0 70,722 0

a) BSP (Rediscounting and Other Advances) 0 0 0 0

b) Interbank Loans Payable 749 0 45,712 0

c) Other Deposit Substitutes 1,186 0 24,985 0

d) Others 784 0 25 0

Bonds Payable, Net 0 0 0 0

Unsecured Subordinated Debt, Net 4,965 0 0 0




Other Financial Liabilities 1,393 918 12,398 641

Other Liabilities 3,069 3,067 46,851 175


bank) 0 0 0 0

TOTAL LIABILITIES 170,098 122,753 1,459,546 59,147


Capital Stock 11,476 16,818 69,027 2,165

Other Capital Accounts 2,785 (812) 17,302 283

Retained Earnings 12,620 (259) 90,514 2,900

Assigned Capital 0 0 0 0

TOTAL STOCKHOLDERS' EQUITY 26,881 15,747 176,842 5,349

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

ACCOUNTS

PRIVATE DOMESTIC BANKS

II. 22


In Million Pesos

ASIA UNITED BANK

CORPORATION BANK OF COMMERCE

BANK OF THE PHIL

ISLANDS

BDO PRIVATE BANK,

INC.

ACCOUNTS


CONTINGENT ACCOUNTS

Guarantees Issued 144 1,085 92 13

Financial Standby Letters of Credit 0 165 4,312 0

Performance Standby Letters of Credit 1,098 296 3,069 0

Commercial Letters of Credit 1,508 375 10,546 0

Trade Related Guarantees 225 0 1,098 0

Commitments 12,473 4,696 96,454 72

Spot Foreign Exchange Contracts 1,105 1,535 19,231 197

Securities Held Under Custodianship by Bank Proper 0 0 0 0

Trust Department Accounts 19,221 24,681 0 294,396

a) Trust and Other Fiduciary Accounts 19,221 1,815 0 118,460

b) Agency Accounts 0 22,866 0 175,937


Derivatives 812 0 562,486 41,766

Others 257 92 36,422 0

TOTAL CONTINGENT ACCOUNTS 36,842 32,925 733,708 336,445


Gross Total Loan Portfolio (TLP) 132,348 68,209 1,007,247 7,997

Specific allowance for credit losses on the TLP 940 1,689 5,429 0.00


a. Gross NPLs 1,305 1,905 8,073 0.00

b. Ratio of gross NPLs to gross TLP (%) 0.98 2.79 0.80 0.00

c. Net NPLs 365 216 2,644 0

d. Ratio of Net NPLs to gross TLP (%) 0.27 0.31 0.26 0.00

Classified Loans & Other Risk Assets, gross of allowance for credit losses 3,435 2,274 14,337 0

DOSRI Loans and receivables, gross of allowance for credit losses 101 2.92 4,335 0

Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP (%) 0.07 0.00 0.43 0.00


Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0.00 0.00 0.00 0.00


a. 8% Micro and Small Enterprises 6.62 0.33 2.88 0.00

b. 2% for Medium Enterprises 6.23 1.65 6.10 0.00

Return on Equity (ROE) (%) 12.15 2.10 13.27 7.75


regulations

a. Total CAR (%) 15.50 17.12 11.39 19.50

b. Tier 1 CAR (%) 11.97 16.39 10.48 19.25





II. 23


In Million Pesos

BDO UNIBANK INCCHINA BANKING

CORP

EAST WEST BANKING

CORP

METROPOLITAN BANK

& TCO

ASSETS




Financial Assets at Fair Value through Profit or Loss 4,107 16,057 7,468 32,271

Available-for-Sale Financial Assets, Net 69,256 42,925 0 270,077

Held-to-Maturity (HTM) Financial Assets, Net 181,697 61,533 6,472 0

Unquoted Debt Securities Classified as Loans, Net 18 1,000 324 26


Loans and Receivables, Net 1,716,485 402,150 203,070 1,007,799


Interbank Loans Receivable 37,694 0 12,388 27,208

Loans and Receivables - Others 1,679,840 388,212 191,350 989,714

Loans and Receivables Arising from RA/CA/PR/SLB 14,869 17,348 0 0

General Loan Loss Provision 15,918 3,410 668 9,123

Other Financial Assets 13,028 3,355 1,744 5,842

Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 36,242 10,092 4,027 57,498

Bank Premises, Furniture, Fixture and Equipment, Net 30,568 4,416 2,696 15,970

Real and Other Properties Acquired, Net 8,618 419 1,397 2,201


Other Assets, Net 43,219 7,632 18,896 49,027



TOTAL ASSETS 2,533,296 665,934 301,155 1,709,895

.

LIABILITIES .

Financial Liabilities at Fair Value through Profit or Loss 1,666 268 174 5,352

Deposit Liabilities 2,044,050 559,486 243,291 1,313,948


Bills Payable 55,404 20,118 4,125 106,535

a) BSP (Rediscounting and Other Advances) 0 0 1,825 25,000

b) Interbank Loans Payable 27,787 5,812 2,300 20,286

c) Other Deposit Substitutes 905 14,306 0 61,250

d) Others 26,712 0 0 0

Bonds Payable, Net 49,897 0 0 0

Unsecured Subordinated Debt, Net 10,000 0 4,973 22,437




Other Financial Liabilities 23,079 3,973 2,045 12,870



bank) 0 0 0 0

TOTAL LIABILITIES 2,235,927 588,774 262,534 1,513,724


Capital Stock 171,787 43,982 20,209 99,801

Other Capital Accounts 20,598 (1,373) 4,922 (17,048)

Retained Earnings 104,984 34,553 13,490 113,417



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

ACCOUNTS


II. 24


In Million Pesos

BDO UNIBANK INCCHINA BANKING

CORP

EAST WEST BANKING

CORP

METROPOLITAN BANK

& TCO

ACCOUNTS


CONTINGENT ACCOUNTS

Guarantees Issued 37 0 529 13,643

Financial Standby Letters of Credit 0 0 0 0

Performance Standby Letters of Credit 24,073 14,045 1,644 29,909

Commercial Letters of Credit 23,463 7,338 2,927 13,515

Trade Related Guarantees 22,559 745 2,521 5,305

Commitments 303,353 12,634 42,366 8,316

Spot Foreign Exchange Contracts 19,972 2,396 4,632 15,303


Trust Department Accounts 751,761 131,578 14,109 443,989

a) Trust and Other Fiduciary Accounts 517,464 69,989 14,109 309,225

b) Agency Accounts 234,298 61,589 0 134,765


Derivatives 265,215 43,908 1,997 512,665

Others 8,553 2,888 8,945 8,910

TOTAL CONTINGENT ACCOUNTS 1,418,986 215,531 79,670 1,051,554


Gross Total Loan Portfolio (TLP) 1,743,923 407,503 209,759 1,021,564



a. Gross NPLs 17,044 2,923 9,195 6,020


c. Net NPLs 6,692 981 3,173 1,377



DOSRI Loans and receivables, gross of allowance for credit losses 55,314 11,472 10,788 3,442

Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP (%) 3.17 2.81 5.14 0.33








regulations

a. Total CAR (%) 13.83 14.78 13.45 13.51

b. Tier 1 CAR (%) 12.44 14.02 11.02 10.83





II. 25


In Million Pesos

PHIL BANK OF

COMMUNICATIONSPHIL NATIONAL BANK PHIL TRUST COMPANY

PHILIPPINE VETERANS

BANK

ASSETS

Cash and Cash Items 941 16,896 828 825


Due from Other Banks 1,425 16,264 4,127 848

Financial Assets at Fair Value through Profit or Loss 2,739 2,820 0 862

Available-for-Sale Financial Assets, Net 52 67,435 66,869 5,152

Held-to-Maturity (HTM) Financial Assets, Net 15,801 26,685 3,425 600

Unquoted Debt Securities Classified as Loans, Net 3,273 10,933 0 991




Interbank Loans Receivable 62 11,130 0 811


Loans and Receivables Arising from RA/CA/PR/SLB 0 14,621 21,709 1,767

General Loan Loss Provision 465 3,937 172 155

Other Financial Assets 542 9,201 895 165

Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 995 28,001 18 169


Real and Other Properties Acquired, Net 528 8,723 2,626 1,860


Other Assets, Net 5,727 28,825 1,134 2,416



TOTAL ASSETS 96,370 779,795 154,348 49,640

LIABILITIES

Financial Liabilities at Fair Value through Profit or Loss 1 336 0 0

Deposit Liabilities 69,032 597,099 129,485 44,442


Bills Payable 12,567 39,169 0 0

a) BSP (Rediscounting and Other Advances) 4,600 0 0 0

b) Interbank Loans Payable 0 3,817 0 0

c) Other Deposit Substitutes 7,967 35,351 0 0

d) Others 0 2 0 0


Unsecured Subordinated Debt, Net 0 0 0 0




Other Financial Liabilities 633 7,670 246 517

Other Liabilities 2,127 25,786 637 1,411


bank) 0 0 0 0

TOTAL LIABILITIES 84,361 670,897 130,369 46,371


Capital Stock 14,278 81,297 10,000 2,893

Other Capital Accounts 1,823 (4,735) 1,983 (1,284)

Retained Earnings (4,092) 32,336 11,996 1,660



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

ACCOUNTS


II. 26


In Million Pesos

PHIL BANK OF

COMMUNICATIONSPHIL NATIONAL BANK PHIL TRUST COMPANY

PHILIPPINE VETERANS

BANK

ACCOUNTS


CONTINGENT ACCOUNTS

Guarantees Issued 0 11 0 0

Financial Standby Letters of Credit 2,072 21,282 0 0

Performance Standby Letters of Credit 0 9,965 42 81

Commercial Letters of Credit 483 7,242 321 79

Trade Related Guarantees 945 1,753 1 10

Commitments 28 34,909 0 537

Spot Foreign Exchange Contracts 947 5,086 0 100


Trust Department Accounts 5,267 88,002 897 10,219

a) Trust and Other Fiduciary Accounts 1,129 63,536 897 10,219

b) Agency Accounts 4,138 24,466 0 0


Derivatives 0 110,420 0 0

Others 177 26,302 22 3



Gross Total Loan Portfolio (TLP) 49,545 448,145 48,802 18,992



a. Gross NPLs 2,189 9,026 1235.27 1,940


c. Net NPLs 490 1,176 (1249.14) 431

d. Ratio of Net NPLs to gross TLP (%) 0.98 0.26 (2.55) 2.27


DOSRI Loans and receivables, gross of allowance for credit losses 17 7,991 1,955 23


gross TLP (%)0.03 1.78 4.00 0.12

Gross non-performing DOSRI loans and receivables 0 2 0.00 0.00





Return on Equity (ROE) (%) 2.64 7.08 7.10 (10.16)


regulations

a. Total CAR (%) 15.85 12.03 39.02 10.92

b. Tier 1 CAR (%) 12.88 11.25 38.67 10.30





II. 27


In Million Pesos

RIZAL COMMERCIAL

BANKING CORP

ROBINSONS BANK

CORPORATIONSECURITY BANK CORP

UNION BANK OF THE

PHILS

ASSETS




Financial Assets at Fair Value through Profit or Loss 6,561 48 4,495 3,010

Available-for-Sale Financial Assets, Net 3,455 19,014 0 44

Held-to-Maturity (HTM) Financial Assets, Net 48,130 0 229,593 167,886

Unquoted Debt Securities Classified as Loans, Net 1,199 0 0 0




Interbank Loans Receivable 38 424 4,227 4,793


Loans and Receivables Arising from RA/CA/PR/SLB 7,435 2,445 2,478 4,130

General Loan Loss Provision 2,488 478 3,673 2,000

Other Financial Assets 2,605 613 5,751 4,529

Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 18,838 1,235 4,640 17,639

Bank Premises, Furniture, Fixture and Equipment, Net 7,376 866 3,148 5,149

Real and Other Properties Acquired, Net 606 185 701 4,831


Other Assets, Net 10,277 1,394 6,624 21,165



TOTAL ASSETS 443,326 103,106 755,769 556,082

LIABILITIES

Financial Liabilities at Fair Value through Profit or Loss 483 6 2,013 24



Bills Payable 36,627 0 194,223 53,794


b) Interbank Loans Payable 30,938 0 86,480 6,805

c) Other Deposit Substitutes 5,688 0 107,743 21,974

d) Others 0 0 0 24,995

Bonds Payable, Net 28,059 0 14,948 0

Unsecured Subordinated Debt, Net 9,968 0 9,951 7,200




Other Financial Liabilities 2,766 989 8,041 10,548



bank) 0 0 0 0



Capital Stock 36,638 12,000 46,186 16,403

Other Capital Accounts 6,244 (817) 9,557 6,308

Retained Earnings 24,010 930 47,690 45,062




ACCOUNTS


II. 28


In Million Pesos

RIZAL COMMERCIAL

BANKING CORP

ROBINSONS BANK

CORPORATIONSECURITY BANK CORP

UNION BANK OF THE

PHILS

ACCOUNTS


CONTINGENT ACCOUNTS

Guarantees Issued 5,416 185 0 545


Performance Standby Letters of Credit 11,789 0 18,850 2,404

Commercial Letters of Credit 5,266 298 5,987 980

Trade Related Guarantees 754 0 1,221 121

Commitments 35,689 338 97,161 23,937

Spot Foreign Exchange Contracts 12,401 952 3,845 4,189


Trust Department Accounts 64,378 16,425 50,194 42,074

a) Trust and Other Fiduciary Accounts 52,048 3,342 40,748 30,444

b) Agency Accounts 12,330 13,083 9,446 11,630


Derivatives 88,053 1,936 306,677 26,372

Others 1,991 2,020 801 17,262




Specific allowance for credit losses on the TLP 1,394 392 2,093 6,683


a. Gross NPLs 2,851 765 2,126 7,919


c. Net NPLs 1,457 373 34 2,265

d. Ratio of Net NPLs to gross TLP (%) 1 0.62 - 1.02


DOSRI Loans and receivables, gross of allowance for credit losses 509 5,292 2,006 479


gross TLP (%)0 8.90 0.53 0.21








regulations

a. Total CAR (%) 15.33 19.76 17.20 13.50

b. Tier 1 CAR (%) 11.75 18.88 14.99 10.85





II. 29


In Million Pesos

PRIVATE DOMESTIC

BANKS

UNITED COCONUT

PLANTERS BANK

ASSETS

Cash and Cash Items 5,920

Due from Bangko Sentral ng Pilipinas 50,307

Due from Other Banks 4,268

Financial Assets at Fair Value through Profit or Loss 1,358

Available-for-Sale Financial Assets, Net 30,801

Held-to-Maturity (HTM) Financial Assets, Net 27,761

Unquoted Debt Securities Classified as Loans, Net 2,306

Investments in Non-Marketable Equity Security, Net 33

Loans and Receivables, Net 153,690

Loans to Bangko Sentral ng Pilipinas 0

Interbank Loans Receivable 4,154

Loans and Receivables - Others 148,300

Loans and Receivables Arising from RA/CA/PR/SLB 2,977

General Loan Loss Provision 1,741

Other Financial Assets 2,050

Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 13,334

Bank Premises, Furniture, Fixture and Equipment, Net 1,629

Real and Other Properties Acquired, Net 6,211

Non-Current Assets Held for Sale 310

Other Assets, Net 8,889


foreign bank) 0

TOTAL ASSETS 308,867

LIABILITIES

Financial Liabilities at Fair Value through Profit or Loss 322

Deposit Liabilities 265,045

Due to Other Banks 0

Bills Payable 5,484

a) BSP (Rediscounting and Other Advances) 0

b) Interbank Loans Payable 0

c) Other Deposit Substitutes 5,432

d) Others 52

Bonds Payable, Net 0

Unsecured Subordinated Debt, Net 0

Redeemable Preferred Shares 0

Special Time Deposit 0

Due to Bangko Sentral ng Pilipinas 0

Other Financial Liabilities 14,227

Other Liabilities 6,391


bank) 0

TOTAL LIABILITIES 291,469


Capital Stock 1,485

Other Capital Accounts 14,426

Retained Earnings 1,486

Assigned Capital 0

TOTAL STOCKHOLDERS' EQUITY 17,398

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 308,867

ACCOUNTS

II. 30


In Million Pesos

PRIVATE DOMESTIC

BANKS

UNITED COCONUT

PLANTERS BANK

ACCOUNTS

CONTINGENT ACCOUNTS

Guarantees Issued 0

Financial Standby Letters of Credit 0

Performance Standby Letters of Credit 2,132

Commercial Letters of Credit 5,776

Trade Related Guarantees 47

Commitments 2,515

Spot Foreign Exchange Contracts 2,341

Securities Held Under Custodianship by Bank Proper 0

Trust Department Accounts 82,964

a) Trust and Other Fiduciary Accounts 73,798

b) Agency Accounts 9,166

c) Advisory/Consultancy 0

Derivatives 0

Others 7,485

TOTAL CONTINGENT ACCOUNTS 103,260


Gross Total Loan Portfolio (TLP) 157,055

Specific allowance for credit losses on the TLP 1,624


a. Gross NPLs 4,260

b. Ratio of gross NPLs to gross TLP (%) 2.71

c. Net NPLs 2,637

d. Ratio of Net NPLs to gross TLP (%) 1.67

Classified Loans & Other Risk Assets, gross of allowance for credit losses 17,963

DOSRI Loans and receivables, gross of allowance for credit losses 262


gross TLP (%)0.16

Gross non-performing DOSRI loans and receivables 0

Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0.00


a. 8% Micro and Small Enterprises 2.95

b. 2% for Medium Enterprises 6.72

Return on Equity (ROE) (%) 21


regulations

a. Total CAR (%) 7.63

b. Tier 1 CAR (%) 7.63

Deferred Charges not yet Written Down 0

Unbooked Allowance for Credit Losses on Financial Instruments Received 0



II. 31


In Million Pesos

AL-AMANAH ISLAMIC

BANK OF THE PHILS

DEVELOPMENT BANK

OF THE PHIL

LAND BANK OF THE

PHILIPPINES

ASSETS

Cash and Cash Items 11 5,225 31,306

Due from Bangko Sentral ng Pilipinas 210 75,074 305,343

Due from Other Banks 42 19,948 5,117

Financial Assets at Fair Value through Profit or Loss 0 3,689 13,366

Available-for-Sale Financial Assets, Net 0 59,220 229,052

Held-to-Maturity (HTM) Financial Assets, Net 18 86,864 317,124

Unquoted Debt Securities Classified as Loans, Net 0 29,483 10,724

Investments in Non-Marketable Equity Security, Net 3 7,389 7,343

Loans and Receivables, Net 448 286,457 662,102


Interbank Loans Receivable 0 17,429 43,857

Loans and Receivables - Others 210 210,721 571,813

Loans and Receivables Arising from RA/CA/PR/SLB 240 60,654 52,223

General Loan Loss Provision 1 2,347 5,790

Other Financial Assets 1 3,085 9,992

Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 0 1,621 3,046

Bank Premises, Furniture, Fixture and Equipment, Net 5 2,834 7,132

Real and Other Properties Acquired, Net 0 1,103 3,909

Non-Current Assets Held for Sale 0 197 292

Other Assets, Net 5 14,863 9,153


foreign bank) 0 0 0

TOTAL ASSETS 742 597,053 1,615,001

LIABILITIES

Financial Liabilities at Fair Value through Profit or Loss 0 0 19

Deposit Liabilities 463 412,364 1,425,390

Due to Other Banks 0 0 0

Bills Payable 0 97,082 24,571

a) BSP (Rediscounting and Other Advances) 0 0 62

b) Interbank Loans Payable 0 61,634 0

c) Other Deposit Substitutes 0 11,826 0

d) Others 0 23,622 24,508

Bonds Payable, Net 0 14,948 0

Unsecured Subordinated Debt, Net 0 9,996 0




Other Financial Liabilities 6 2,782 26,845

Other Liabilities 29 12,933 33,169


bank) 0 0 0

TOTAL LIABILITIES 498 550,105 1,510,405


Capital Stock 1,005 17,500 20,981

Other Capital Accounts (54) 3,697 19,470

Retained Earnings (707) 25,750 64,145

Assigned Capital 0 0 0

TOTAL STOCKHOLDERS' EQUITY 244 46,948 104,596

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

ACCOUNTS

GOVERNMENT BANKS

II. 32


In Million Pesos

AL-AMANAH ISLAMIC

BANK OF THE PHILS

DEVELOPMENT BANK

OF THE PHIL

LAND BANK OF THE

PHILIPPINES

ACCOUNTS

GOVERNMENT BANKS

CONTINGENT ACCOUNTS

Guarantees Issued 0 0 680

Financial Standby Letters of Credit 0 2,052 5,139

Performance Standby Letters of Credit 0 1,171 1,977

Commercial Letters of Credit 0 928 24,764

Trade Related Guarantees 0 2 126

Commitments 0 19,734 92,695

Spot Foreign Exchange Contracts 0 599 1,498

Securities Held Under Custodianship by Bank Proper 0 0 0

Trust Department Accounts 0 36,439 232,391

a) Trust and Other Fiduciary Accounts 0 7,239 198,791

b) Agency Accounts 0 29,200 33,600


Derivatives 0 5,496 27,574

Others 4 15,745 1,128

TOTAL CONTINGENT ACCOUNTS 4 82,166 387,973


Gross Total Loan Portfolio (TLP) 451 293,472 674,353

Specific allowance for credit losses on the TLP 1 4,668 6,461


a. Gross NPLs 5 5,910 6,599

b. Ratio of gross NPLs to gross TLP (%) 1.04 2.01 0.97

c. Net NPLs 3 1,242 138

d. Ratio of Net NPLs to gross TLP (%) 0.73 0.42 0.02

Classified Loans & Other Risk Assets, gross of allowance for credit losses 14 9,486 26,992

DOSRI Loans and receivables, gross of allowance for credit losses 0 42,815 77,495


gross TLP (%)0.00 14.58 11.49


Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0.00 0.00 0.00


a. 8% Micro and Small Enterprises 32.63 3.86 10.86

b. 2% for Medium Enterprises 25.63 8.59 9.48

Return on Equity (ROE) (%) (20.08) 11.66 14.96


regulations

a. Total CAR (%) 76.95 14.98 11.74

b. Tier 1 CAR (%) 76.58 11.07 10.90





II. 33


In Million Pesos

ANZ BANKING GROUP

LTD

BANGKOK BANK

PUBLIC CO LTD

BANK OF AMERICA

N.A.

BANK OF CHINA

LIMITED-MANILA

BRANCH

ASSETS

Cash and Cash Items 57 3 10 31

Due from Bangko Sentral ng Pilipinas 2,905 377 6,762 1,342

Due from Other Banks 2,792 153 183 162

Financial Assets at Fair Value through Profit or Loss 3,320 1 24 15

Available-for-Sale Financial Assets, Net 7,863 375 0 0

Held-to-Maturity (HTM) Financial Assets, Net 0 0 0 0

Unquoted Debt Securities Classified as Loans, Net 0 331 0 0




Interbank Loans Receivable 2,091 597 4,983 3,121


Loans and Receivables Arising from RA/CA/PR/SLB 6,228 231 3,039 1,652

General Loan Loss Provision 204 372 28 110

Other Financial Assets 206 14 15 75

Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 0 0 0 0

Bank Premises, Furniture, Fixture and Equipment, Net 20 7 9 31

Real and Other Properties Acquired, Net 0 0 0 0


Other Assets, Net 1,090 111 9 75



TOTAL ASSETS 35,681 6,758 17,133 14,262

LIABILITIES

Financial Liabilities at Fair Value through Profit or Loss 1,623 7 23 15



Bills Payable 1,148 0 0 237


b) Interbank Loans Payable 1,148 0 0 237

c) Other Deposit Substitutes 0 0 0 0

d) Others 0 0 0 0






Other Financial Liabilities 428 39 439 198

Other Liabilities 483 35 545 207


bank) 11,055 991 594 623



Capital Stock 0 0 0 0

Other Capital Accounts (39) 79 (0) 257

Retained Earnings 0 0 0 0

Assigned Capital 4,225 3,095 2,096 2,342



ACCOUNTS

FOREIGN BANK BRANCHES

II. 34


In Million Pesos

ANZ BANKING GROUP

LTD

BANGKOK BANK

PUBLIC CO LTD

BANK OF AMERICA

N.A.

BANK OF CHINA

LIMITED-MANILA

BRANCH

ACCOUNTS


CONTINGENT ACCOUNTS


Financial Standby Letters of Credit 2,107 3 0 0

Performance Standby Letters of Credit 6,246 0 159 13,884

Commercial Letters of Credit 1,084 398 0 519

Trade Related Guarantees 3 20 0 5

Commitments 795 538 1 338

Spot Foreign Exchange Contracts 9,336 0 120 5


Trust Department Accounts 0 0 0 0

a) Trust and Other Fiduciary Accounts 0 0 0 0

b) Agency Accounts 0 0 0 0


Derivatives 110,664 1,025 3,389 8,793

Others 67,417 54 22 538




Specific allowance for credit losses on the TLP 0 33 0 38


a. Gross NPLs 0 33 0 0


c. Net NPLs 0.00 0.00 0.00 (37.86)

d. Ratio of Net NPLs to gross TLP (%) 0.00 0.00 0.00 (0.29)

Classified Loans & Other Risk Assets, gross of allowance for credit losses 1 33 2 12,967

DOSRI Loans and receivables, gross of allowance for credit losses 32 0 39 0


gross TLP (%)0.17 0.00 0.38 0.00








regulations

a. Total CAR (%) 20.18 49.81 41.58 14.15

b. Tier 1 CAR (%) 19.54 48.83 41.09 13.58





II. 35


In Million Pesos

CATHAY UNITED BANK

CO LTD - MANILA

BRANCH

CITIBANK, N.A. DEUTSCHE BANK AG

FIRST COMMERCIAL

BANK LTD MANILA

BRANCH

ASSETS

Cash and Cash Items 4 1,160 461 3

Due from Bangko Sentral ng Pilipinas 1,244 43,845 7,087 979

Due from Other Banks 432 791 3,033 28

Financial Assets at Fair Value through Profit or Loss 0 14,729 15,810 0

Available-for-Sale Financial Assets, Net 201 16,146 0 497




Loans and Receivables, Net 1,291 207,359 23,499 251


Interbank Loans Receivable 0 34,552 4 0

Loans and Receivables - Others 1,165 108,040 15,394 241

Loans and Receivables Arising from RA/CA/PR/SLB 137 66,403 8,261 12

General Loan Loss Provision 12 1,636 160 2

Other Financial Assets 24 1,166 63 8





Other Assets, Net 19 4,853 385 10



TOTAL ASSETS 3,782 291,236 50,361 2,047

LIABILITIES


Deposit Liabilities 41 194,814 23,400 24

Due to Other Banks 0 26,404 0 0

Bills Payable 0 7 0 0


b) Interbank Loans Payable 0 0 0 0


d) Others 0 7 0 0






Other Financial Liabilities 10 8,038 3,565 1

Other Liabilities 95 14,361 2,128 1


bank) 1,514 28,307 18,044 0

TOTAL LIABILITIES 1,661 272,692 47,906 26



Other Capital Accounts (5) 5,286 479 (37)

Retained Earnings 0 98 0 (62)




ACCOUNTS


II. 36


In Million Pesos

CATHAY UNITED BANK

CO LTD - MANILA

BRANCH

CITIBANK, N.A. DEUTSCHE BANK AG

FIRST COMMERCIAL

BANK LTD MANILA

BRANCH

ACCOUNTS


CONTINGENT ACCOUNTS



Performance Standby Letters of Credit 0 2,433 5,728 0

Commercial Letters of Credit 0 869 361 0

Trade Related Guarantees 0 1,519 2,225 0

Commitments 133 137,184 257 512

Spot Foreign Exchange Contracts 0 18,399 9,887 0

Securities Held Under Custodianship by Bank Proper 0 402,850 334,339 0





Derivatives 0 90,171 75,390 0

Others 0 378 771 0

TOTAL CONTINGENT ACCOUNTS 133 654,122 429,138 512


Gross Total Loan Portfolio (TLP) 1,303 211,330 23,659 253

Specific allowance for credit losses on the TLP 0 2,336 0 0




c. Net NPLs 0 (1,404) 0 0

d. Ratio of Net NPLs to gross TLP (%) 0.00 (0.66) 0.00 0.00

Classified Loans & Other Risk Assets, gross of allowance for credit losses 0 5,322 0 0



gross TLP (%)0.00 0.04 0.00 0.00






Return on Equity (ROE) (%) (0.27) 19.68 5.15 0.00


regulations

a. Total CAR (%) 172.88 17.71 16.00 718.06

b. Tier 1 CAR (%) 171.91 16.94 15.43 717.20





II. 37


In Million Pesos

HONGKONG &

SHANGHAI BANKING

CORP

HUA NAN

COMMERCIAL BANK

LTD MANILA BRANCH

INDUSTRIAL BANK OF

KOREA MANILA

BRANCH

ING BANK N.V.

ASSETS




Financial Assets at Fair Value through Profit or Loss 11,435 0 0 5,085

Available-for-Sale Financial Assets, Net 38,846 0 0 2,647




Loans and Receivables, Net 67,289 0 1,634 10,023


Interbank Loans Receivable 450 0 0 490

Loans and Receivables - Others 50,580 0 1,598 7,383

Loans and Receivables Arising from RA/CA/PR/SLB 16,934 0 52 2,230



Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 2,297 0 0 0







TOTAL ASSETS 162,129 2,150 3,959 19,485

LIABILITIES

Financial Liabilities at Fair Value through Profit or Loss 6,126 0 0 1,326

Deposit Liabilities 98,419 11 778 1,946






d) Others 1,171 0 0 0






Other Financial Liabilities 4,225 0 5 27

Other Liabilities 2,773 12 17 388


bank) 34,423 57 865 13,185

TOTAL LIABILITIES 147,452 80 1,665 16,871



Other Capital Accounts 1,309 (31) 94 115





ACCOUNTS


II. 38


In Million Pesos

HONGKONG &

SHANGHAI BANKING

CORP

HUA NAN

COMMERCIAL BANK

LTD MANILA BRANCH

INDUSTRIAL BANK OF

KOREA MANILA

BRANCH

ING BANK N.V. ACCOUNTS


CONTINGENT ACCOUNTS


Financial Standby Letters of Credit 2,926 0 0 0

Performance Standby Letters of Credit 13,234 0 0 2,846

Commercial Letters of Credit 2,212 0 18 0


Commitments 133,536 0 17 0

Spot Foreign Exchange Contracts 14,680 0 0 17,209

Securities Held Under Custodianship by Bank Proper 372,993 0 0 0

Trust Department Accounts 19,019 0 0 0

a) Trust and Other Fiduciary Accounts 17,050 0 0 0

b) Agency Accounts 1,969 0 0 0


Derivatives 270,024 0 0 115,968

Others 3,075 0 0 4

TOTAL CONTINGENT ACCOUNTS 837,605 0 54 136,026


Gross Total Loan Portfolio (TLP) 68,282 0 1,650 10,106





c. Net NPLs 399 0 0


Classified Loans & Other Risk Assets, gross of allowance for credit losses 423 0 0 65



gross TLP (%)0.42 0.00 0.00 0.00


Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0 0 0 0






regulations

a. Total CAR (%) 20.01 353.22 111.07 54.02

b. Tier 1 CAR (%) 19.36 353.22 110.30 53.66





II. 39


In Million Pesos

JP MORGAN CHASE

BANK NATIONAL ASSN.

KEB HANA BANK -

MANILA BRANCH

MEGA INT'L COMM'L

BANK CO LTD

MIZUHO BANK LTD -

MANILA BRANCH

ASSETS


Due from Bangko Sentral ng Pilipinas 6,059 632 1,334 8,039

Due from Other Banks 721 1,557 75 3,163

Financial Assets at Fair Value through Profit or Loss 6,097 0 5 204

Available-for-Sale Financial Assets, Net 3,127 0 1,182 0

Held-to-Maturity (HTM) Financial Assets, Net 0 4 0 5,975





Interbank Loans Receivable 0 0 2,497 12,483

Loans and Receivables - Others 174 6,061 7,824 40,609

Loans and Receivables Arising from RA/CA/PR/SLB 20,831 651 248 8,756







Other Assets, Net 37 39 10 43



TOTAL ASSETS 37,232 9,079 13,323 79,302

LIABILITIES




Bills Payable 0 0 1,498 0


b) Interbank Loans Payable 0 0 1,498 0


d) Others 0 0 0 0









bank) 11,064 2,510 4,692 15,168




Other Capital Accounts (47) 146 96 65





ACCOUNTS


II. 40


In Million Pesos

JP MORGAN CHASE

BANK NATIONAL ASSN.

KEB HANA BANK -

MANILA BRANCH

MEGA INT'L COMM'L

BANK CO LTD

MIZUHO BANK LTD -

MANILA BRANCH

ACCOUNTS


CONTINGENT ACCOUNTS

Guarantees Issued 0 1,135 0 0

Financial Standby Letters of Credit 0 2,637 0 4,038

Performance Standby Letters of Credit 0 1,797 0 4,961



Commitments 0 772 0 3,223

Spot Foreign Exchange Contracts 4,917 0 33 1,779






Derivatives 55,689 0 844 40,474

Others 0 0 0 150








c. Net NPLs 0 18 (2) (14)

d. Ratio of Net NPLs to gross TLP (%) 0.00 0.26 (0.01) (0.02)



Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP (%) - 0 0 0






Return on Equity (ROE) (%) (8.77) 6.92 3.82 2.46


regulations

a. Total CAR (%) 25.57 19.53 21.61 14.78

b. Tier 1 CAR (%) 25.41 19.01 20.67 13.82





II. 41


In Million Pesos

SHINHAN BANK -

MANILA BRANCH

STANDARD CHARTERED

BANK

SUMITOMO MITSUI

BANKING

CORPORATION-

MANILA BRANCH

THE BNK OF TOKYO-

MITSUBISHI UFJ LTD

ASSETS



Due from Other Banks 262 642 1,494 25,584

Financial Assets at Fair Value through Profit or Loss 0 3,379 2 378

Available-for-Sale Financial Assets, Net 0 9,801 0 2,246






Interbank Loans Receivable 0 2,247 2,148 0


Loans and Receivables Arising from RA/CA/PR/SLB 43 13,217 2,821 4,378







Other Assets, Net 32 1,240 51 145



TOTAL ASSETS 3,138 61,843 25,544 65,326

LIABILITIES

Financial Liabilities at Fair Value through Profit or Loss 0 3,090 0 313

Deposit Liabilities 374 33,475 12,598 52,531

Due to Other Banks 0 2,406 0 0





d) Others 0 2 0 0






Other Financial Liabilities 9 2,121 10 348



bank) 532 13,452 0 7,302

TOTAL LIABILITIES 928 55,382 12,691 60,660



Other Capital Accounts 10 (425) (149) 87





ACCOUNTS


II. 42


In Million Pesos

SHINHAN BANK -

MANILA BRANCH

STANDARD CHARTERED

BANK

SUMITOMO MITSUI

BANKING

CORPORATION-

MANILA BRANCH

THE BNK OF TOKYO-

MITSUBISHI UFJ LTD

ACCOUNTS


CONTINGENT ACCOUNTS

Guarantees Issued 0 0 3,421 3,312

Financial Standby Letters of Credit 0 0 0 1,499

Performance Standby Letters of Credit 3,248 8,174 0 5,228


Trade Related Guarantees 0 1,069 0 1

Commitments 191 2,336 0 8

Spot Foreign Exchange Contracts 0 8,609 43 2,445


Trust Department Accounts 0 161,237 0 0

a) Trust and Other Fiduciary Accounts 0 161,237 0 0



Derivatives 0 166,547 279 36,131

Others 0 37 0 38




Specific allowance for credit losses on the TLP 0 1,788 0 15


a. Gross NPLs 0 2,622 0 0


c. Net NPLs 0 833 0 (15)


Classified Loans & Other Risk Assets, gross of allowance for credit losses 0 2,666 0 300


Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP (%) 0 0.00 0.00 0.00






Return on Equity (ROE) (%) 0.47 (2.46) (1.81) 2.18


regulations

a. Total CAR (%) 83.54 16.01 82.69 13.67

b. Tier 1 CAR (%) 83.06 15.61 81.92 12.88





II. 43


In Million Pesos


UNITED OVERSEAS BANK LIMITED

MANILA BRANCH

ASSETS

Cash and Cash Items 3

Due from Bangko Sentral ng Pilipinas 1,943

Due from Other Banks 340

Financial Assets at Fair Value through Profit or Loss 0

Available-for-Sale Financial Assets, Net 16

Held-to-Maturity (HTM) Financial Assets, Net 0

Unquoted Debt Securities Classified as Loans, Net 0

Investments in Non-Marketable Equity Security, Net 0

Loans and Receivables, Net 1,522

Loans to Bangko Sentral ng Pilipinas 0

Interbank Loans Receivable 0

Loans and Receivables - Others 1,363

Loans and Receivables Arising from RA/CA/PR/SLB 173

General Loan Loss Provision 14

Other Financial Assets 6

Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 0

Bank Premises, Furniture, Fixture and Equipment, Net 34

Real and Other Properties Acquired, Net 0

Non-Current Assets Held for Sale 0

Other Assets, Net 7


foreign bank) 0

TOTAL ASSETS 3,871

LIABILITIES

Financial Liabilities at Fair Value through Profit or Loss 0

Deposit Liabilities 478

Due to Other Banks 0

Bills Payable 0

a) BSP (Rediscounting and Other Advances) 0

b) Interbank Loans Payable 0

c) Other Deposit Substitutes 0

d) Others 0

Bonds Payable, Net 0

Unsecured Subordinated Debt, Net 0

Redeemable Preferred Shares 0

Special Time Deposit 0

Due to Bangko Sentral ng Pilipinas 4

Other Financial Liabilities 4

Other Liabilities 31


bank) 1,013

TOTAL LIABILITIES 1,530


Capital Stock 0

Other Capital Accounts (34)

Retained Earnings (25)

Assigned Capital 2,400

TOTAL STOCKHOLDERS' EQUITY 2,341

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 3,871

ACCOUNTS

II. 44


In Million Pesos


UNITED OVERSEAS BANK LIMITED

MANILA BRANCH

ACCOUNTS

CONTINGENT ACCOUNTS

Guarantees Issued 0

Financial Standby Letters of Credit 0

Performance Standby Letters of Credit 0

Commercial Letters of Credit 0

Trade Related Guarantees 0

Commitments 0

Spot Foreign Exchange Contracts 2

Securities Held Under Custodianship by Bank Proper 0

Trust Department Accounts 0

a) Trust and Other Fiduciary Accounts 0

b) Agency Accounts 0

c) Advisory/Consultancy 0

Derivatives 50

Others 0

TOTAL CONTINGENT ACCOUNTS 52


Gross Total Loan Portfolio (TLP) 1,536

Specific allowance for credit losses on the TLP 0


a. Gross NPLs 0

b. Ratio of gross NPLs to gross TLP (%) 0.00

c. Net NPLs 0

d. Ratio of Net NPLs to gross TLP (%) 0.00

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

DOSRI Loans and receivables, gross of allowance for credit losses 0

Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP (%) 0.00

Gross non-performing DOSRI loans and receivables 0

Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0


a. 8% Micro and Small Enterprises 0.00

b. 2% for Medium Enterprises 0.00

Return on Equity (ROE) (%) (1.53)


regulations

a. Total CAR (%) 128.56

b. Tier 1 CAR (%) 127.81

Deferred Charges not yet Written Down 0

Unbooked Allowance for Credit Losses on Financial Instruments Received 0



II. 45


In Million Pesos

CTBC BANK

(PHILIPPINES) CORP

MAYBANK PHILIPPINES

INC

ASSETS

Cash and Cash Items 452 1,810

Due from Bangko Sentral ng Pilipinas 3,493 15,221

Due from Other Banks 879 2,904

Financial Assets at Fair Value through Profit or Loss 416 1,443

Available-for-Sale Financial Assets, Net 1,058 5,174

Held-to-Maturity (HTM) Financial Assets, Net 1,110 2,816

Unquoted Debt Securities Classified as Loans, Net 10 0

Investments in Non-Marketable Equity Security, Net 12 3

Loans and Receivables, Net 31,324 72,139

Loans to Bangko Sentral ng Pilipinas 0 0

Interbank Loans Receivable 4,412 311

Loans and Receivables - Others 27,079 67,385

Loans and Receivables Arising from RA/CA/PR/SLB 207 4,956

General Loan Loss Provision 373 513

Other Financial Assets 153 672

Equity Investment in Subsidiaries, Associates and Joint Ventures, Net 0 0

Bank Premises, Furniture, Fixture and Equipment, Net 202 352

Real and Other Properties Acquired, Net 110 1,286

Non-Current Assets Held for Sale 0 0

Other Assets, Net 822 5,382


foreign bank) 0 0

TOTAL ASSETS 40,041 109,202

LIABILITIES

Financial Liabilities at Fair Value through Profit or Loss 63 279

Deposit Liabilities 26,702 80,319

Due to Other Banks 0 0

Bills Payable 4,285 9,687

a) BSP (Rediscounting and Other Advances) 0 0

b) Interbank Loans Payable 4,285 9,686

c) Other Deposit Substitutes 0 1

d) Others 0 0

Bonds Payable, Net 0 0

Unsecured Subordinated Debt, Net 0 1,990

Redeemable Preferred Shares 0 0

Special Time Deposit 0 0

Due to Bangko Sentral ng Pilipinas 0 0

Other Financial Liabilities 414 1,352

Other Liabilities 1,544 2,626


bank) 0 0

TOTAL LIABILITIES 33,008 96,254


Capital Stock 2,533 10,808

Other Capital Accounts 133 936

Retained Earnings 4,367 1,204

Assigned Capital 0 0

TOTAL STOCKHOLDERS' EQUITY 7,033 12,948

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

ACCOUNTS

FOREIGN BANK SUBSIDIARIES

II. 46


In Million Pesos

CTBC BANK

(PHILIPPINES) CORP

MAYBANK PHILIPPINES

INC

ACCOUNTS

FOREIGN BANK SUBSIDIARIES

CONTINGENT ACCOUNTS

Guarantees Issued 0 151

Financial Standby Letters of Credit 1,876 999

Performance Standby Letters of Credit 111 763

Commercial Letters of Credit 746 846

Trade Related Guarantees 3 829

Commitments 0 12,884

Spot Foreign Exchange Contracts 1,348 879

Securities Held Under Custodianship by Bank Proper 0 0

Trust Department Accounts 1,667 5,548

a) Trust and Other Fiduciary Accounts 736 928

b) Agency Accounts 930 4,619

c) Advisory/Consultancy 0 0

Derivatives 12,136 27,232

Others 1,824 4,295

TOTAL CONTINGENT ACCOUNTS 19,711 54,427


Gross Total Loan Portfolio (TLP) 32,101 73,466

Specific allowance for credit losses on the TLP 404 813


a. Gross NPLs 402 1,505

b. Ratio of gross NPLs to gross TLP (%) 1.25 2.04

c. Net NPLs (2) 692

d. Ratio of Net NPLs to gross TLP (%) 0 0.94

Classified Loans & Other Risk Assets, gross of allowance for credit losses 647 6,155

DOSRI Loans and receivables, gross of allowance for credit losses 22 55

Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP (%) 0 0.07

Gross non-performing DOSRI loans and receivables 0 0

Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0 0


a. 8% Micro and Small Enterprises 2.81 2.28

b. 2% for Medium Enterprises 3.33 1.84

Return on Equity (ROE) (%) 3.01 9.19


regulations

a. Total CAR (%) 19.40 16.52

b. Tier 1 CAR (%) 18.53 13.37

Deferred Charges not yet Written Down 0 0

Unbooked Allowance for Credit Losses on Financial Instruments Received 0 0



II. 47

Table 3.b PUBLISHED BALANCE SHEET

Thrift Banks


In Million Pesos

TOTAL1ST VALLEY BANK INC

A DEVELOPMENT BANK

ALLBANK (A THRIFT

BANK) INC

BANGKO KABAYAN

INC (A PRIVATE

DEVELOPMENT BANK)

ASSETS

Cash and Cash Items 14,870 83 26 38

Due from Bangko Sentral ng Pilipinas 103,861 389 617 186


Financial Assets at Fair Value through Profit or Loss 916 0 0 0

Available for Sale Financial Assets, Net 43,853 0 0 158

Held to Maturity (HTM) Financial Assets, Net 67,669 385 4 162

Unquoted Debt Securities Classified as Loans, Net 3,332 0 70 0




Interbank Loans Receivables 1,862 0 0 0


Loans and Receivables Arising from Repo, CA/Participation 33,094 0 406 0

General Loan Loss Provision 7,656 52 14 16

Other Financial Assets 10,611 121 5 54


Bank Premises, Furniture, Fixture and Equipment, Net 12,276 110 44 113

Real and Other Properties Acquired , Net 14,957 113 6 106

Non-Current Assets Held for Sale 1,788 0 0 0


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

TOTAL ASSETS 1,168,227 7,129 2,945 2,857

. . .

LIABILITIES . . .






b) Interbank Loans Payable 25,482 0 0 0

c) Other Deposit Substitutes 2,422 0 0 0

d) Others 4,118 809 0 20








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

TOTAL LIABILITIES 1,021,593 5,465 1,925 2,371

. . .

STOCKHOLDERS' EQUITY . . .

Capital Stock 71,381 639 920 320

Other Capital Accounts 15,632 184 22 37

Retained Earnings 59,620 841 78 130


TOTAL STOCKHOLDERS' EQUITY 146,634 1,664 1,021 486

. . .

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 1,168,227 7,129 2,945 2,857

ACCOUNTS

THRIFT BANKS

II. 48

Table 3.b PUBLISHED BALANCE SHEET

Thrift Banks


In Million Pesos

TOTAL1ST VALLEY BANK INC

A DEVELOPMENT BANK

ALLBANK (A THRIFT

BANK) INC

BANGKO KABAYAN

INC (A PRIVATE

DEVELOPMENT BANK)

ACCOUNTS

THRIFT BANKS

. . .

CONTINGENT ACCOUNTS . . .



Performance Standby Letters of Credit 401 0 0 0




Spot Foreign Exchange Contracts 666 0 0 0


Trust Department Accounts 45,448 0 0 0

a) Trust and Other Fudiciary Accounts 33,317 0 0 0

b) Agency Accounts 12,130 0 0 0


Derivatives 3,707 0 0 0

Others 1,012 0 0 0

TOTAL CONTINGENT ACCOUNTS 56,029 0 0 49

. . .

OTHER INFORMATION . . .


Specific allowance for credit losses on the TLP 19,277 159 11 10


a. Gross NPLs 40,487 524 63 17

b. Ratio of gross NPLs to gross TLP (%) 9.45 3.26 1.02

c. Net NPLs 21,221 366 52 8


Classified Loans & Other Risk Assets, gross of allowance for credit losses 69,722 548 124 187

DOSRI Loans and receivables, gross of allowance for credit losses 3,478 3 0 1


gross TLP (%)0.05 0.00 0.07


Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0.00 0.00 0.00


a. 8% Micro and Small Enterprises 22.86 8.49 34.88

b. 2% for Medium Enterprises 7.29 13.66 37.23

Return on Equity (ROE) (%) 11.90 2.30 9.21


regulations

a. Total CAR (%) 22.64 54.62 17.43

b. Tier 1 CAR (%) 0.00 0.00 16.86





II. 49

Table 3.b PUBLISHED BALANCE SHEET Thrift Banks As of December 31, 2017

In Million Pesos

BANK OF MAKATI (A

SAVINGS BANK) INC

BANK ONE SAVINGS

AND TRUST CORP.

BATAAN

DEVELOPMENT BANK

BPI DIRECT BANKO INC

A SAVINGS BANK

ASSETS


Due from Bangko Sentral ng Pilipinas 2,116 243 28 8,794

Due from Other Banks 320 58 123 967



Held to Maturity (HTM) Financial Assets, Net 40 37 2 0



Loans and Receivables, Net 21,662 1,152 167 4,370


Interbank Loans Receivables 0 0 0 0

Loans and Receivables - Others 20,699 512 168 4,290






Real and Other Properties Acquired , Net 180 114 48 76




TOTAL ASSETS 30,401 1,699 414 15,030

. . . .

LIABILITIES . . . .


Deposit Liabilities 20,363 1,085 324 12,838






d) Others 0 0 0 0









TOTAL LIABILITIES 23,173 1,108 329 12,983

. . . .

STOCKHOLDERS' EQUITY . . . .

Capital Stock 4,750 330 62 406


Retained Earnings 1,016 222 16 1,556


TOTAL STOCKHOLDERS' EQUITY 7,228 590 85 2,047

. . . .

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 30,401 1,699 414 15,030

ACCOUNTS

THRIFT BANKS

II. 50


In Million Pesos

BANK OF MAKATI (A

SAVINGS BANK) INC

BANK ONE SAVINGS

AND TRUST CORP.

BATAAN

DEVELOPMENT BANK

BPI DIRECT BANKO INC

A SAVINGS BANK

ACCOUNTS

THRIFT BANKS

. . . .

CONTINGENT ACCOUNTS . . . .






Commitments 0 0 0 0




a) Trust and Other Fudiciary Accounts 0 0 0 0



Derivatives 0 0 0 0

Others 0 0 0 0

TOTAL CONTINGENT ACCOUNTS 0 0 0 0

. . . .

OTHER INFORMATION . . . .

Gross Total Loan Portfolio (TLP) 23,380 1,196 190 4,806



a. Gross NPLs 2,113 50 27 446


c. Net NPLs 449 12 5 95





gross TLP (%)1.99 0.00 1.83 0.01








regulations

a. Total CAR (%) 17.35 69.35 19.63 33.89

b. Tier 1 CAR (%) 17.35 68.64 21.76 33.14





II. 51


In Million Pesos

BPI FAMILY SAVINGS

BANK INC

BUSINESS AND

CONSUMERS BANK (A

DB)

CARD SME BANK INC

A THRIFT BANK

CENTURY SAVINGS

BANK CORPORATION

ASSETS









Loans and Receivables, Net 206,204 149 3,872 759



Loans and Receivables - Others 201,357 151 3,913 571










TOTAL ASSETS 266,571 330 5,022 1,642. . . .

LIABILITIES . . . .


Deposit Liabilities 231,626 239 2,903 545


Bills Payable 0 0 1,043 0




d) Others 0 0 1,043 0









TOTAL LIABILITIES 239,884 243 4,101 655. . . .


Capital Stock 1,000 73 495 866




TOTAL STOCKHOLDERS' EQUITY 26,688 87 921 987

. . . .

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 266,571 330 5,022 1,642

ACCOUNTS

THRIFT BANKS

II. 52


In Million Pesos

BPI FAMILY SAVINGS

BANK INC

BUSINESS AND

CONSUMERS BANK (A

DB)

CARD SME BANK INC

A THRIFT BANK

CENTURY SAVINGS

BANK CORPORATION

ACCOUNTS

THRIFT BANKS

. . . .














Derivatives 929 0 0 0

Others 166 0 269 0

TOTAL CONTINGENT ACCOUNTS 2,607 0 269 0. . . .


Gross Total Loan Portfolio (TLP) 213,038 160 4,007 779



a. Gross NPLs 7,510 8 76 36


c. Net NPLs 2,768 (1) (17) 22

d. Ratio of Net NPLs to gross TLP (%) 1.29 (0.70) (0.42) 2.78




gross TLP (%)0.01 0.00 0.00 3.56








regulations

a. Total CAR (%) 16.36 25.49 18.60 74.79

b. Tier 1 CAR (%) 15.51 0.00 4.37 73.61





II. 53


In Million Pesos

CHINA BANK SAVINGS

INC

CITY SAVINGS BANK

INC

CITYSTATE SAVINGS

BANK INC

CORDILLERA SAVINGS

BANK INC

ASSETS


Due from Bangko Sentral ng Pilipinas 6,773 5,918 825 23

Due from Other Banks 1,856 1,269 371 89










Loans and Receivables Arising from Repo, CA/Participation 1,404 9,442 0 0







Other Assets, Net 4,271 2,934 174 6


TOTAL ASSETS 88,384 77,478 4,152 411

. . . .

LIABILITIES . . . .


Deposit Liabilities 76,463 48,320 3,362 265


Bills Payable 0 14,061 0 0




d) Others 0 74 0 0










. . . .


Capital Stock 10,534 1,196 988 80

Other Capital Accounts (69) 3,272 16 (3)

Retained Earnings (1,363) 9,277 (306) 61


TOTAL STOCKHOLDERS' EQUITY 9,102 13,745 697 137

. . . .

TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 88,384 77,478 4,152 411

ACCOUNTS

THRIFT BANKS

II. 54


In Million Pesos

CHINA BANK SAVINGS

INC

CITY SAVINGS BANK

INC

CITYSTATE SAVINGS

BANK INC

CORDILLERA SAVINGS

BANK INC

ACCOUNTS

THRIFT BANKS

. . . .














Derivatives 0 0 0 0

Others 14 0 14 0

TOTAL CONTINGENT ACCOUNTS 2,797 0 1,067 0

. . . .





a. Gross NPLs 3,927 2,547 193 13


c. Net NPLs 2,325 1,936 132 (0)


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



gross TLP (%)0.00 0.09 0.83 1.67






Return on Equity (ROE) (%) (0.86) 27.84 (10.12) 8.85


regulations

a. Total CAR (%) 11.43 18.38 17.98 39.98

b. Tier 1 CAR (%) 10.46 17.66 17.43 39.46





II. 55


In Million Pesos

DUMAGUETE CITY DEV

BANK

ENTERPRISE BANK INC

(A THRIFT BANK)

EQUICOM SAVINGS

BANK INC

FARMERS SAVINGS &

LOAN BANK INC

ASSETS


Due from Bangko Sentral ng Pilipinas 100 213 2,436 44



Available for Sale Financial Assets, Net 218 0 0 0




Loans and Receivables, Net 547 1,542 5,248 192



Loans and Receivables - Others 553 1,557 3,788 195

Loans and Receivables Arising from Repo, CA/Participation 0 0 1,496 0









TOTAL ASSETS 1,411 2,407 8,679 581

. . . .

LIABILITIES . . . .








d) Others 0 105 0 0










. . . .


Capital Stock 122 242 1,388 60

Other Capital Accounts 2 11 19 4

Retained Earnings 159 0 (693) 68


TOTAL STOCKHOLDERS' EQUITY 284 254 713 133

. . . .


ACCOUNTS

THRIFT BANKS

II. 56


In Million Pesos

DUMAGUETE CITY DEV

BANK

ENTERPRISE BANK INC

(A THRIFT BANK)

EQUICOM SAVINGS

BANK INC

FARMERS SAVINGS &

LOAN BANK INC

ACCOUNTS

THRIFT BANKS

. . . .







Commitments 0 0 0 0







Derivatives 0 0 0 0

Others 4 0 4 0


. . . .


Gross Total Loan Portfolio (TLP) 567 1,691 5,470 219



a. Gross NPLs 38 237 581 19


c. Net NPLs 24 103 396 5





gross TLP (%)9.69 1.39 0.00 0.03








regulations

a. Total CAR (%) 27.40 12.05 11.10 17.40

b. Tier 1 CAR (%) 26.91 0.00 0.00 17.40





II. 57


In Million Pesos

FIRST CONSOLIDATED

BANK INC (A PDB)

HIYAS BANKING

CORPORATION

HSBC SAVINGS

BANK(PHILS) INC

INTER-ASIA

DEVELOPMENT BANK

ASSETS


Due from Bangko Sentral ng Pilipinas 4,091 99 3,698 20

Due from Other Banks 907 131 1,939 44


Available for Sale Financial Assets, Net 0 0 6,346 3








Loans and Receivables Arising from Repo, CA/Participation 826 0 53 0









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

LIABILITIES








d) Others 1,573 0 53 0











Capital Stock 866 80 1,492 185


Retained Earnings 2,860 91 122 (125)


TOTAL STOCKHOLDERS' EQUITY 4,317 172 1,655 66


ACCOUNTS

THRIFT BANKS

II. 58


In Million Pesos

FIRST CONSOLIDATED

BANK INC (A PDB)

HIYAS BANKING

CORPORATION

HSBC SAVINGS

BANK(PHILS) INC

INTER-ASIA

DEVELOPMENT BANK

ACCOUNTS

THRIFT BANKS

CONTINGENT ACCOUNTS













Derivatives 0 0 0 0

Others 82 0 1 0


OTHER INFORMATION


Specific allowance for credit losses on the TLP 593 26 3 4.17




c. Net NPLs (206) 13 56

d. Ratio of Net NPLs to gross TLP (%) (1.73) 4.65 1.81




gross TLP (%)0.11 5.59 0.83 6.70








regulations

a. Total CAR (%) 29.24 20.97 31.59 20.01

b. Tier 1 CAR (%) 28.49 20.63 30.89 0.00





II. 59


In Million Pesos

ISLA BANK(A THRIFT

BANK) INC

LEGAZPI SAVINGS

BANK INC

LEMERY SAVINGS &

LOAN BANK, INC.

LIFE SAVINGS BANK

INC

ASSETS


Due from Bangko Sentral ng Pilipinas 110 333 12 17







Loans and Receivables, Net 594 1,490 85 42



Loans and Receivables - Others 325 981 86 43










TOTAL ASSETS 1,315 2,452 227 273

LIABILITIES


Deposit Liabilities 600 1,810 136 201






d) Others 0 0 0 0









TOTAL LIABILITIES 634 1,911 142 203


Capital Stock 502 1,246 60 53


Retained Earnings 164 (733) 25 13



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

ACCOUNTS

THRIFT BANKS

II. 60


In Million Pesos

ISLA BANK(A THRIFT

BANK) INC

LEGAZPI SAVINGS

BANK INC

LEMERY SAVINGS &

LOAN BANK, INC.

LIFE SAVINGS BANK

INC

ACCOUNTS

THRIFT BANKS

CONTINGENT ACCOUNTS






Commitments 0 0 0 0







Derivatives 0 0 0 0

Others 0 2 0 0


OTHER INFORMATION

Gross Total Loan Portfolio (TLP) 598 1,758 88 48





c. Net NPLs (2) 77 2 2

d. Ratio of Net NPLs to gross TLP (%) (0.31) 4.39 2.68 5.04




gross TLP (%)0.17 0.01 1.90 10.43








regulations

a. Total CAR (%) 120.10 29.48 37.03 31.94

b. Tier 1 CAR (%) 119.68 28.75 36.62 31.71





II. 61


In Million Pesos

LUZON DEVELOPMENT

BANK

MALASIQUI

PROGRESSIVE SLB, INC

MALAYAN BANK

SAVINGS AND MORT

BANK INC

MARITIME SAVINGS

BANK CORPORATION

ASSETS






















TOTAL ASSETS 5,619 122 7,973 139

LIABILITIES


Deposit Liabilities 4,712 69 6,535 100






d) Others 0 0 0 0









TOTAL LIABILITIES 4,963 71 6,784 102




Retained Earnings (109) (9) 151 (28)


TOTAL STOCKHOLDERS' EQUITY 656 51 1,189 38

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

ACCOUNTS

THRIFT BANKS

II. 62


In Million Pesos

LUZON DEVELOPMENT

BANK

MALASIQUI

PROGRESSIVE SLB, INC

MALAYAN BANK

SAVINGS AND MORT

BANK INC

MARITIME SAVINGS

BANK CORPORATION

ACCOUNTS

THRIFT BANKS

CONTINGENT ACCOUNTS






Commitments 0 0 0 0







Derivatives 0 0 0 0

Others 0 0 1 0


OTHER INFORMATION




a. Gross NPLs 573 16 383 24


c. Net NPLs 419 9 (10) 18

d. Ratio of Net NPLs to gross TLP (%) 11.78 22.05 (0.22) 15.27

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



gross TLP (%)0.11 28.66 0.44 2.15






Return on Equity (ROE) (%) (19.38) (15.00) 6.79 0.80


regulations

a. Total CAR (%) 12.53 38.91 16.79 22.65

b. Tier 1 CAR (%) 11.67 38.91 16.29 0.00





II. 63


In Million Pesos

MAXIMUM SAVINGS

BANK INC

MERCHANTS SAVINGS

& LOAN ASSN INC

METRO CEBU PUBLIC

SAVINGS BANK

NORTHPOINT DEV'T

BANK INC

ASSETS









Loans and Receivables, Net 3 1,035 81 360



Loans and Receivables - Others 3 961 81 363










TOTAL ASSETS 452 1,461 228 680

LIABILITIES


Deposit Liabilities 81 812 162 280






d) Others 0 0 0 0









TOTAL LIABILITIES 388 848 171 324


Capital Stock 250 1,126 80 405


Retained Earnings (149) (533) (12) (59)



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

ACCOUNTS

THRIFT BANKS

II. 64


In Million Pesos

MAXIMUM SAVINGS

BANK INC

MERCHANTS SAVINGS

& LOAN ASSN INC

METRO CEBU PUBLIC

SAVINGS BANK

NORTHPOINT DEV'T

BANK INC

ACCOUNTS

THRIFT BANKS

CONTINGENT ACCOUNTS






Commitments 0 0 0 0







Derivatives 0 0 0 0

Others 0 0 0 0


OTHER INFORMATION

Gross Total Loan Portfolio (TLP) 12 1,068 100 454





c. Net NPLs (0) 0 (10) 45

d. Ratio of Net NPLs to gross TLP (%) (0.32) 0.01 (9.58) 9.84




gross TLP (%)0.00 0.00 0.00 0.00






Return on Equity (ROE) (%) (2.68) (1.54) 5.16 0.03


regulations

a. Total CAR (%) 15.14 43.24 25.93 40.63

b. Tier 1 CAR (%) 15.13 42.56 25.89 40.24





II. 65


In Million Pesos

PACIFIC ACE SAVINGS

BANK INC

PAMPANGA

DEVELOPMENT BANK

PENBANK INC (A PDB)

(FORMERLY:

PENINSULA RB INC)

PHIL POSTAL SAVINGS

BANK INC

ASSETS


Due from Bangko Sentral ng Pilipinas 17 25 170 2,848







Loans and Receivables, Net 22 348 1,643 4,839



Loans and Receivables - Others 22 351 1,661 4,531










TOTAL ASSETS 249 484 2,608 9,144

LIABILITIES


Deposit Liabilities 163 263 1,803 7,979






d) Others 0 0 0 0









TOTAL LIABILITIES 174 335 2,115 8,302



Other Capital Accounts 0 16 0 (161)




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

ACCOUNTS

THRIFT BANKS

II. 66


In Million Pesos

PACIFIC ACE SAVINGS

BANK INC

PAMPANGA

DEVELOPMENT BANK

PENBANK INC (A PDB)

(FORMERLY:

PENINSULA RB INC)

PHIL POSTAL SAVINGS

BANK INC

ACCOUNTS

THRIFT BANKS

CONTINGENT ACCOUNTS






Commitments 0 0 0 0







Derivatives 0 0 0 0

Others 0 0 14 6


OTHER INFORMATION

Gross Total Loan Portfolio (TLP) 23 378 1,763 5,199



a. Gross NPLs 1 51 160 2,574


c. Net NPLs 0 23 58 2,236


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



gross TLP (%)0.00 12.77 1.83 0.00








regulations

a. Total CAR (%) 31.19 34.57 20.57 6.63

b. Tier 1 CAR (%) 74.53 149.76 19.80 6.30





II. 67


In Million Pesos

PHIL SAVINGS BANK

PHIL STAR

DEVELOPMENT BANK

INC

PHILIPPINE BUSINESS

BANK INC A SAVINGS

BANK

PHILIPPINE RESOURCES

SAVINGS BANKING

CORPORATION (PR

SAVINGS BANK)

ASSETS

Cash and Cash Items 2,597 1 1,061 75

Due from Bangko Sentral ng Pilipinas 15,211 3 6,575 394

Due from Other Banks 1,491 85 4,020 707


Available for Sale Financial Assets, Net 16,916 0 2,439 1




Loans and Receivables, Net 143,702 15 70,326 9,870


Interbank Loans Receivables 1,264 0 0 0

Loans and Receivables - Others 143,384 15 70,178 9,949








Other Assets, Net 4,170 4 1,788 791


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

LIABILITIES


Deposit Liabilities 188,913 27 73,430 4,466


Bills Payable 1,492 0 1,932 5,063


b) Interbank Loans Payable 0 0 1,000 4,622

c) Other Deposit Substitutes 1,492 0 0 0

d) Others 0 0 0 441







Other Liabilities 5,097 29 1,298 314




Capital Stock 5,221 72 9,056 1,022




TOTAL STOCKHOLDERS' EQUITY 20,898 96 10,187 2,370


ACCOUNTS

THRIFT BANKS

II. 68


In Million Pesos

PHIL SAVINGS BANK

PHIL STAR

DEVELOPMENT BANK

INC

PHILIPPINE BUSINESS

BANK INC A SAVINGS

BANK

PHILIPPINE RESOURCES

SAVINGS BANKING

CORPORATION (PR

SAVINGS BANK)

ACCOUNTS

THRIFT BANKS

CONTINGENT ACCOUNTS









Trust Department Accounts 5,596 0 3,138 0


b) Agency Accounts 1,933 0 2,384 0


Derivatives 2,653 0 0 0

Others 9 0 203 0

TOTAL CONTINGENT ACCOUNTS 8,340 0 4,024 0

OTHER INFORMATION

Gross Total Loan Portfolio (TLP) 148,185 24 71,821 10,237



a. Gross NPLs 4,771 14 1,509 1,042


c. Net NPLs 1,812 4 692 754


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

DOSRI Loans and receivables, gross of allowance for credit losses 1,202 0 745 0


gross TLP (%)0.81 0.00 1.03 0.00








regulations

a. Total CAR (%) 13.84 53.08 13.92 19.36

b. Tier 1 CAR (%) 11.06 53.00 13.02 14.66





II. 69


In Million Pesos

PNB SAVINGS BANKPRODUCERS SAVINGS

BANK CORPORATION

QUEEN CITY

DEVELOPMENT BANK

INC OR QUEENBANK A

THRIFT BANK

QUEZON COCONUT

BANK INC (A THRIFT

BANK)

ASSETS













Loans and Receivables Arising from Repo, CA/Participation 1,880 1,644 58 0









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

LIABILITIES




Bills Payable 900 4,686 0 0




d) Others 0 0 0 0











Capital Stock 10,500 1,373 650 52






ACCOUNTS

THRIFT BANKS

II. 70


In Million Pesos

PNB SAVINGS BANKPRODUCERS SAVINGS

BANK CORPORATION

QUEEN CITY

DEVELOPMENT BANK

INC OR QUEENBANK A

THRIFT BANK

QUEZON COCONUT

BANK INC (A THRIFT

BANK)

ACCOUNTS

THRIFT BANKS

CONTINGENT ACCOUNTS






Commitments 0 0 0 0







Derivatives 0 0 0 0

Others 49 1 1 0


OTHER INFORMATION




a. Gross NPLs 1,668 236 22 3


c. Net NPLs 1,307 137 6 2





gross TLP (%)0.06 0.76 16.07 6.62






Return on Equity (ROE) (%) 4.48 12.02 (0.57) 2.23


regulations

a. Total CAR (%) 24.50 14.50 32.66 57.82

b. Tier 1 CAR (%) 23.81 13.92 32.15 58.96





II. 71


In Million Pesos

RCBC SAVINGS BANK

INC

STERLING BANK OF

ASIA INC (A SAVINGS

BANK)

SUN SAVINGS BANK

INC

THE PALAWAN BANK

(PALAWAN DB) INC

ASSETS



Due from Other Banks 2,154 4,334 12 23


Available for Sale Financial Assets, Net 0 1,174 25 0







Loans and Receivables - Others 80,031 28,801 775 252










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

LIABILITIES


Deposit Liabilities 101,685 34,623 757 468






d) Others 0 0 0 0


Unsecured Subordinated Debt, Net 0 1,000 0 0





Other Liabilities 3,185 1,124 19 23


TOTAL LIABILITIES 106,043 37,050 997 496


Capital Stock 3,190 2,370 217 54






ACCOUNTS

THRIFT BANKS

II. 72


In Million Pesos

RCBC SAVINGS BANK

INC

STERLING BANK OF

ASIA INC (A SAVINGS

BANK)

SUN SAVINGS BANK

INC

THE PALAWAN BANK

(PALAWAN DB) INC

ACCOUNTS

THRIFT BANKS

CONTINGENT ACCOUNTS






Commitments 0 0 0 0



Trust Department Accounts 27,190 7,938 0 0


b) Agency Accounts 0 7,803 0 0


Derivatives 0 125 0 0

Others 133 21 0 0

TOTAL CONTINGENT ACCOUNTS 27,498 8,501 0 0

OTHER INFORMATION




a. Gross NPLs 4,434 1,110 28 21


c. Net NPLs 2,633 731 17 0


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



gross TLP (%)0.00 0.53 0.00 0.55








regulations

a. Total CAR (%) 14.03 12.47 28.52 6.39

b. Tier 1 CAR (%) 13.25 7.64 27.58 5.49





II. 73


In Million Pesos

UCPB SAVINGS BANKUNIVERSITY SAVINGS

BANK INC

WEALTH DEVELOPMENT

BANK CORPORATION

YUANTA SAVINGS

BANK PHILIPPINES INC

ASSETS






















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

LIABILITIES


Deposit Liabilities 14,700 487 6,997 1,526






d) Others 0 0 0 0











Capital Stock 1,107 379 1,404 1,009

Other Capital Accounts (61) 0 48 (53)



TOTAL STOCKHOLDERS' EQUITY 2,528 412 1,468 942


ACCOUNTS

THRIFT BANKS

II. 74


In Million Pesos

UCPB SAVINGS BANKUNIVERSITY SAVINGS

BANK INC

WEALTH DEVELOPMENT

BANK CORPORATION

YUANTA SAVINGS

BANK PHILIPPINES INC

ACCOUNTS

THRIFT BANKS

CONTINGENT ACCOUNTS






Commitments 0 0 0 0







Derivatives 0 0 0 0

Others 12 0 6 0


OTHER INFORMATION




a. Gross NPLs 1,805 143 356 111


c. Net NPLs 1,350 102 262 3


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



gross TLP (%)0.03 13.30 0.10 0.05








regulations

a. Total CAR (%) 13.65 27.61 22.03 54.76

b. Tier 1 CAR (%) 12.83 13.80 21.08 54.76





II. 75

The Philippine Banking System 2013 - 2017

In Million Pesos

Selected Accounts 2013 2014 2015 2016 2017

Total Operating Income 450,246 467,236 479,670 535,034 590,785

Net interest income 274,947 321,603 349,149 385,959 447,400

Interest Income 366,726 411,741 452,507 498,078 574,657

Provision for Losses on Accrued Interest Income from Financial Assets 352 454 334 255 375

Less: Interest Expenses 91,428 89,867 103,024 111,865 126,882

Non-interest income 175,299 145,633 130,521 149,075 143,385

Dividend Income 4,289 4,100 3,892 4,115 3,325

Fee-based income 59,983 66,120 70,869 75,948 84,771

Payment Services 2,142 2,496 3,228 3,174 3,193

Intermediation Services 24,094 25,759 26,115 26,179 28,871

Custodianship 817 881 945 816 951

Underwriting and Securities Dealership 169 470 566 121 33

Income from Securities Brokering Activities 107 173

Securitization Activities 13 3 0 0 1

Income from Fiduciary Activities 9,654 9,165 9,461 9,425 7,653

Others 23,094 27,346 30,501 36,126 43,897

Trading Income 96,121 59,137 40,823 53,989 40,540

Realized Gains/(Losses) from Sale/Redemption (10,572) 5,424 (6,821) (205) 11,323

Government Securities 14,521 3,159 1,162 4,875 724

Private Securities/CPs/Equity Securities 626 336 393 593 192

Financial Futures/Options/Fwds/Swaps (25,732) 1,924 (8,381) (5,675) 10,401

Unrealized Gains/(Losses) from Marking-to-Market 5,025 722 2,011 656 (4,243)

Government Securities (2,023) 290 (1,319) 367 (216)

Private Securities/CPs/Equity Securities (555) 170 (323) 71 100

Financial Futures/Options/Fwds/Swaps 7,603 262 3,653 218 (4,127)

Realized Gains/(Losses) from Foreign Exchange Transactions 11,586 3,924 9,205 11,507 3,988

Foreign Exchange Profit/(Loss) 18,405 5,631 7,370 6,886 7,164

Profit/(Loss) from Sale/Redemption/Derecognition of Non-Trading 62,498 19,558 17,186 25,184 8,096

Financial Assets and Liabilities

Profit/(Loss) from Sale/Derecognition of Non-Financial Assets 8,869 20,460 12,009 9,657 13,940

Profit/(Loss) on Financial Assets and Liabilities Designated at Fair 378 3,419 (157) 295 274


Profit/(Loss) on Fair Value Adjustment in Hedge Accounting (68) (1) 18 9 (2)

Other income 14,907 16,276 14,937 15,022 14,749

Non-interest Expense 274,527 292,840 310,384 341,298 378,165

Compensation/Fringe Benefits 96,731 106,189 115,253 125,602 137,106

Taxes and Licenses 27,617 27,757 28,805 31,284 35,308

Fees and Commission 6,910 7,945 9,694 10,162 17,594

Other Administrative Expenses 115,921 126,104 132,769 146,895 160,151

Depreciation/Amortization 19,146 19,737 21,243 23,186 24,929

Impairment Losses 3,121 1,390 1,132 898 1,016

Provisions 5,081 3,720 1,488 3,271 2,062

Losses/Recoveries on Financial Assets (29,151) (25,706) (22,146) (30,038) (33,747)

Provision for Credit Losses on Loans and Receivables and Other (27,352) (24,356) (24,806) (35,531) (34,977)

Financial Assets

Bad Debts Written Off (4,754) (5,076) (4,518) (3,752) (3,297)

Recovery on Charged-Off Assets 2,955 3,725 7,178 9,246 4,527

Net Profit Before Share in the Profit/(Loss) of Unconsolidated 146,568 148,507 147,139 163,698 178,873

Subsidiaries, Associates and Joint Ventures Accounted for Using theEquity Method

Share in the Profit/(Loss) of Unconsolidated Subsidiaries, Associates 26,602 16,534 17,708 22,359 27,906 and Joint Ventures Accounted for Using the Equity Method

Total Profit/Loss Before Tax and Before Minority Interest 173,171 165,041 164,848 186,056 206,778

Income Tax Expense 28,525 29,474 29,507 31,746 38,703

Total Profit/Loss After Tax and Before Minority Interest 144,646 135,567 135,341 154,310 168,075

Minority Interest in Profit/(Loss) of Subsidiaries 0 0 0 0 0

Net Profit or Loss 144,646 135,567 135,341 154,310 168,075

Table 4 INCOME STATEMENT



II. 76




Interest Income 295,497 332,928 367,284 405,975 474,585




Dividend Income 4,279 4,082 3,859 4,088 3,302

Fee-based income 51,616 55,459 59,083 62,610 71,346



Custodianship 817 881 945 811 947


Income from Securities Brokering Activities 53 107 173



Others 19,597 22,901 25,298 29,403 37,978

Trading Income 85,098 54,740 37,581 50,285 36,053

Realized Gains/(Losses) from Sale/Redemption (16,352) 4,802 (6,955) (675) 11,171

Government Securities 8,777 2,566 1,035 4,406 583




Government Securities (2,007) 275 (1,080) 367 (202)










Profit/(Loss) on Fair Value Adjustment in Hedge Accounting (62) 7 23 6 (2)

Other income 11,840 13,214 11,878 11,875 11,142







Impairment Losses 1,956 790 573 498 709

Provisions 2,496 1,606 (1,538) 518 186



Financial Assets





Share in the Profit/(Loss) of Unconsolidated Subsidiaries, Associates 26,544 16,431 17,641 22,233 27,424

and Joint Ventures Accounted for Using the Equity Method







Table 4.a INCOME STATEMENT Universal and Commercial Banks 2013 - 2017

In Million Pesos


II. 77




Interest Income 264,117 297,692 332,115 367,400 429,209




Dividend Income 4,248 3,992 3,731 4,010 3,232

Fee-based income 45,116 49,069 52,244 54,935 63,096



Custodianship 632 650 675 542 673





Others 18,471 21,992 23,952 27,399 35,533

Trading Income 73,481 49,096 32,367 45,419 31,746

Realized Gains/(Losses) from Sale/Redemption (21,155) 3,355 (5,797) (2,074) 9,900

Government Securities 6,406 1,772 629 3,540 366




Government Securities (1,893) 236 (925) 137 (93)










Profit/(Loss) on Fair Value Adjustment in Hedge Accounting (62) 7 23 4 1

Other income 10,618 11,866 10,006 9,797 8,648








Provisions 1,940 2,226 126 286 (99)

Losses/Recoveries on Financial Assets (19,701) (17,463) (11,855) (20,538) (24,464) Provision for Credit Losses on Loans and Receivables and Other (18,981) (17,137) (15,659) (22,742) (26,222)

Financial Assets

Bad Debts Written Off (2,604) (2,655) (1,971) (1,422) (912)



Subsidiaries, Associates and Joint Ventures Accounted for Using theEquity Method Share in the Profit/(Loss) of Unconsolidated Subsidiaries, Associates 26,542 16,413 17,574 22,204 27,424 and Joint Ventures Accounted for Using the Equity Method







Table 4.a.1a INCOME STATEMENT

Universal Banks

2013 - 2017

In Million Pesos


II. 78




Interest Income 31,380 35,236 35,169 38,575 45,376




Dividend Income 31 90 128 78 71

Fee-based income 6,500 6,390 6,840 7,675 8,250

Payment Services 221 258 464 479 463


Custodianship 184 231 270 269 274




Income from Fiduciary Activities 542 580 753 835 875

Others 1,126 909 1,346 2,004 2,445

Trading Income 11,617 5,644 5,214 4,866 4,308

Realized Gains/(Losses) from Sale/Redemption 4,804 1,448 (1,159) 1,399 1,271

Government Securities 2,371 794 405 866 216

Private Securities/CPs/Equity Securities (11) 41 64 42 (3)

Financial Futures/Options/Fwds/Swaps 2,444 613 (1,628) 491 1,058

Unrealized Gains/(Losses) from Marking-to-Market 1,497 (65) 88 436 (581)

Government Securities (115) 39 (155) 231 (110)

Private Securities/CPs/Equity Securities (1) (1) (5) (5) 9

Financial Futures/Options/Fwds/Swaps 1,612 (102) 248 210 (481)

Realized Gains/(Losses) from Foreign Exchange Transactions (391) 282 3,209 90 303

Foreign Exchange Profit/(Loss) (832) 1,881 1,439 1,583 1,993

Profit/(Loss) from Sale/Redemption/Derecognition of Non-Trading 5,901 1,472 1,063 1,019 319


Profit/(Loss) from Sale/Derecognition of Non-Financial Assets 638 626 574 337 1,006

Profit/(Loss) on Financial Assets and Liabilities Designated at Fair 0 0 0 0 0


Profit/(Loss) on Fair Value Adjustment in Hedge Accounting 0 0 0 2 (3)

Other income 1,222 1,348 1,872 2,078 2,494




Fees and Commission 753 998 1,235 1,200 1,139



Impairment Losses 11 604 394 342 232

Provisions 556 (620) (1,664) 232 285


Provision for Credit Losses on Loans and Receivables and Other (1,292) (864) (2,305) (4,367) (1,940)

Financial Assets


Recovery on Charged-Off Assets 769 844 716 4,945 1,042



Share in the Profit/(Loss) of Unconsolidated Subsidiaries, Associates 2 17 67 29 0 and Joint Ventures Accounted for Using the Equity Method







Table 4.a.1b INCOME STATEMENT Commercial Banks 2013 - 2017

In Million Pesos


II. 79




Interest Income 219,684 249,091 275,904 307,288 364,505




Dividend Income 1,495 1,297 1,017 995 873

Fee-based income 38,739 42,904 46,151 49,389 58,021

Payment Services 886 1,201 1,680 1,375 1,464


Custodianship 0 0 0 0 0





Others 16,695 19,752 21,264 24,756 32,986

Trading Income 61,139 43,897 27,941 42,949 28,572

Realized Gains/(Losses) from Sale/Redemption (2,782) 516 1,226 7,386 9,637

Government Securities 5,359 1,695 858 3,327 (24)


Financial Futures/Options/Fwds/Swaps (8,519) (1,408) 52 3,494 9,517

Unrealized Gains/(Losses) from Marking-to-Market 1,981 1,719 414 472 (1,402)

Government Securities (2,204) 360 (967) 315 (22)


Financial Futures/Options/Fwds/Swaps 4,741 1,167 1,707 89 (1,486)

Realized Gains/(Losses) from Foreign Exchange Transactions 1,234 1,983 (1,549) 1,112 (3,442)







Profit/(Loss) on Fair Value Adjustment in Hedge Accounting 2 1 1 2 (2)

Other income 9,409 10,599 9,254 6,847 8,484








Provisions 2,471 1,577 (1,567) 299 (294)



Financial Assets

Bad Debts Written Off 0 (0) 0 (0) 0

Recovery on Charged-Off Assets 863 1,215 4,136 2,069 2,109



Share in the Profit/(Loss) of Unconsolidated Subsidiaries, Associates 26,535 16,518 17,685 22,220 27,185 and Joint Ventures Accounted for Using the Equity Method







Table 4.a.2a INCOME STATEMENT Private Domestic Universal and Commercial Banks 2013 - 2017

In Million Pesos


II. 80


Total Operating Income 48,028 45,976 49,497 51,890 60,438 Net interest income 31,002 36,361 40,076 44,650 52,665

Interest Income 42,425 47,942 54,859 60,903 68,234




Dividend Income 1,825 1,901 2,310 2,652 2,040 Fee-based income 1,498 1,745 2,095 2,238 2,678 Payment Services 131 124 159 244 372

Intermediation Services 286 392 452 482 506






Others 709 889 1,090 1,124 1,466

Trading Income 12,430 4,912 3,838 1,550 2,395 Realized Gains/(Losses) from Sale/Redemption (8,666) 352 (1,047) (946) 94

Government Securities 669 340 3 279 368


Financial Futures/Options/Fwds/Swaps (9,350) (34) (1,054) (1,234) (310)

Unrealized Gains/(Losses) from Marking-to-Market (1,760) (801) (36) 100 729

Government Securities (5) (26) (111) (75) (34)

Private Securities/CPs/Equity Securities (31) (5) 0 (1) (0)

Financial Futures/Options/Fwds/Swaps (1,724) (770) 74 177 763

Realized Gains/(Losses) from Foreign Exchange Transactions 83 57 412 432 337

Foreign Exchange Profit/(Loss) 10,668 2,361 603 455 (222)

Profit/(Loss) from Sale/Redemption/Derecognition of Non-Trading 11,765 2,368 3,273 869 613


Profit/(Loss) from Sale/Derecognition of Non-Financial Assets 341 576 632 640 843



Profit/(Loss) on Fair Value Adjustment in Hedge Accounting 0 0 0 0 0

Other income 1,273 1,057 1,178 799 661 Non-interest Expense 25,566 26,942 29,772 31,325 36,921 Compensation/Fringe Benefits 9,867 10,460 11,426 11,795 14,539






Provisions 22 7 0 63 308

Losses/Recoveries on Financial Assets (1,810) (320) (205) (680) (2,563) Provision for Credit Losses on Loans and Receivables and Other (1,931) (573) (327) (773) (2,680)

Financial Assets

Bad Debts Written Off (0) (0) (0) 0 (3)

Recovery on Charged-Off Assets 121 253 122 93 121


Subsidiaries, Associates and Joint Ventures Accounted for Using the

Equity Method Share in the Profit/(Loss) of Unconsolidated Subsidiaries, Associates 9 (87) (44) 14 35





Minority Interest in Profit/(Loss) of Subsidiaries 0 0 0 0 0 Net Profit or Loss 16,936 16,499 17,920 17,722 19,122

1/ Consist of Al-Amanah Islamic Bank of the Philippines, Development Bank of the Philippines and Land Bank of the Philippines


Table 4.a.2b INCOME STATEMENT

Government Banks 1/

2013 - 2017

In Million Pesos


II. 81




Interest Income 28,281 30,045 29,820 30,413 33,492

Provision for Losses on Accrued Interest Income from Financial Assets (2) (9) (0) (0) 0




Fee-based income 10,720 10,255 10,112 10,363 10,031



Custodianship 816 881 945 810 946





Others 2,102 2,101 2,740 3,342 3,348

Trading Income 10,680 5,576 5,435 5,514 4,709

Realized Gains/(Losses) from Sale/Redemption (5,720) 3,862 (4,664) (7,233) 1,267




Unrealized Gains/(Losses) from Marking-to-Market 4,622 (258) 1,755 (18) (3,395)

Government Securities 206 (52) (22) 128 (143)

Private Securities/CPs/Equity Securities 32 (3) 3 5 (6)

Financial Futures/Options/Fwds/Swaps 4,383 (202) 1,775 (151) (3,246)


Foreign Exchange Profit/(Loss) (52) 228 422 2,195 (206)

Profit/(Loss) from Sale/Redemption/Derecognition of Non-Trading 1,252 113 185 452 54


Profit/(Loss) from Sale/Derecognition of Non-Financial Assets 11 (23) 46 115 (4)

Profit/(Loss) on Financial Assets and Liabilities Designated at Fair 13 4 (17) 0 0


Profit/(Loss) on Fair Value Adjustment in Hedge Accounting (64) 5 22 3 0

Other income 983 1,291 1,134 3,887 1,495






Depreciation/Amortization 684 688 681 760 672



Losses/Recoveries on Financial Assets (3,749) (4,656) (3,787) (496) (3,819)

Provision for Credit Losses on Loans and Receivables and Other (722) (1,413) (1,549) (3,167) (1,996)

Financial Assets




Subsidiaries, Associates and Joint Ventures Accounted for Using theEquity Method Share in the Profit/(Loss) of Unconsolidated Subsidiaries, Associates 0 0 0 0 204 and Joint Ventures Accounted for Using the Equity Method







Table 4.a.2c INCOME STATEMENT

Foreign Bank Branches (Universal/Commercial Bank) 2013 - 2017

In Million Pesos


II. 82




Interest Income 5,107 5,850 6,701 7,371 8,354


Less: Interest Expenses 1,145 928 1,080 1,305 1,678



Fee-based income 659 555 726 620 616


Intermediation Services 550 376 480 397 394






Others 92 159 205 181 178

Trading Income 849 356 368 272 377

Realized Gains/(Losses) from Sale/Redemption 817 72 (2,471) 118 173



Financial Futures/Options/Fwds/Swaps 601 54 (2,496) (62) 146

Unrealized Gains/(Losses) from Marking-to-Market 199 60 116 104 (161)

Government Securities (4) (8) 20 (0) (3)

Private Securities/CPs/Equity Securities 0 0 0 0 (1)

Financial Futures/Options/Fwds/Swaps 204 67 96 104 (158)

Realized Gains/(Losses) from Foreign Exchange Transactions (474) 160 2,574 (96) 39

Foreign Exchange Profit/(Loss) 37 2 58 202 222

Profit/(Loss) from Sale/Redemption/Derecognition of Non-Trading 95 7 69 95 75


Profit/(Loss) from Sale/Derecognition of Non-Financial Assets 175 56 21 (151) 29




Other income 176 267 313 341 503



Taxes and Licenses 385 360 411 448 548

Fees and Commission 193 185 122 145 158


Depreciation/Amortization 328 379 409 429 537



Losses/Recoveries on Financial Assets (450) (536) (711) (1,564) (393)

Provision for Credit Losses on Loans and Receivables and Other (521) (607) (798) (1,712) (547)

Financial Assets

Bad Debts Written Off 0 0 (0) 0 0


Net Profit Before Share in the Profit/(Loss) of Unconsolidated 1,039 940 1,304 256 1,815


Share in the Profit/(Loss) of Unconsolidated Subsidiaries, Associates 0 0 0 0 0 and Joint Ventures Accounted for Using the Equity Method

Total Profit/Loss Before Tax and Before Minority Interest 1,039 940 1,304 256 1,815

Income Tax Expense 340 470 421 168 518

Total Profit/Loss After Tax and Before Minority Interest 699 470 883 88 1,297


Net Profit or Loss 699 470 883 88 1,297


Table 4.a.2d INCOME STATEMENT

Foreign Bank Subsidiaries (Universal/Commercial Bank) 2013 - 2017

In Million Pesos


II. 83



Net interest income 34,076 40,989 49,120 53,686 58,866 Interest Income 47,721 54,319 65,105 70,893 77,176





Fee-based income 5,800 7,091 8,118 8,901 8,897 Payment Services 264 279 271 370 292







Others 2,571 3,354 4,049 4,507 3,872

Trading Income 9,884 3,445 1,817 2,532 2,954

Realized Gains/(Losses) from Sale/Redemption 5,767 617 129 469 145



Financial Futures/Options/Fwds/Swaps 0 (0) (5) (4) 0

Unrealized Gains/(Losses) from Marking-to-Market (17) 2 (239) (2) (14)

Government Securities (15) 15 (239) (1) (14)

Private Securities/CPs/Equity Securities (0) (13) (0) (1) 0

Financial Futures/Options/Fwds/Swaps (2) 0 0 0 0



Profit/(Loss) from Sale/Redemption/Derecognition of Non-Trading 2,379 979 135 291 123



Profit/(Loss) on Financial Assets and Liabilities Designated at Fair 1 52 (0) 4 4


Profit/(Loss) on Fair Value Adjustment in Hedge Accounting (7) (7) (5) 3 0

Other income 1,231 1,280 1,849 1,785 2,059

Non-interest Expense 33,021 35,205 40,672 42,903 45,911 Compensation/Fringe Benefits 10,284 11,207 13,094 13,830 15,074


Fees and Commission 414 485 979 1,279 1,710




Provisions 1,134 1,381 2,030 1,617 704

Losses/Recoveries on Financial Assets (4,973) (4,134) (5,334) (6,890) (4,960) Provision for Credit Losses on Loans and Receivables and Other (5,157) (4,425) (5,837) (7,362) (5,557)

Financial Assets

Bad Debts Written Off (34) (125) (28) (31) (29)




Share in the Profit/(Loss) of Unconsolidated Subsidiaries, Associates 57 101 67 125 394








Table 4.b INCOME STATEMENT Thrift Banks 2013 - 2017

In Million Pesos


II. 84




Interest Income 23,508 24,493 20,118 21,210 22,895





Fee-based income 2,567 3,570 3,668 4,437 4,528








Others 927 1,092 1,154 2,216 2,047

Trading Income 1,139 952 1,424 1,173 1,532

Realized Gains/(Losses) from Sale/Redemption 12 6 5 2 6



Financial Futures/Options/Fwds/Swaps 0 0 0 0 0

Unrealized Gains/(Losses) from Marking-to-Market 0 0 0 0 0



Financial Futures/Options/Fwds/Swaps 0 0 0 0 0



Profit/(Loss) from Sale/Redemption/Derecognition of Non-Trading 196 84 238 9 33


Profit/(Loss) from Sale/Derecognition of Non-Financial Assets 927 856 1,128 1,131 1,394




Other income 1,836 1,782 1,210 1,362 1,547




Fees and Commission 486 303 84 145 275




Provisions 1,450 733 996 1,136 1,172

Losses/Recoveries on Financial Assets (1,934) (1,866) (956) (1,021) (1,184)


Financial Assets

Bad Debts Written Off (96) (72) (106) (132) (114)



Subsidiaries, Associates and Joint Ventures Accounted for Using the

Equity Method

Share in the Profit/(Loss) of Unconsolidated Subsidiaries, Associates 1 2 0 0 87



Income Tax Expense 922 1,049 1,095 1,352 1,378





Table 4.c INCOME STATEMENT Rural and Cooperative Banks 2013 - 2017

In Million Pesos


II. 85

Table 5 SUMMARY REPORT ON COMPLIANCE WITH AGRI-AGRA REFORM CREDIT ACT OF 2009 1/

The Philippine Banking System

2013 - 2017

In Million Pesos

3.31 6.30 9.30 12.31

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

Minimum Requirements

10% for Agrarian Reform 179,478 215,171 284,393 352,907 362,600 381,399 399,214 413,427

15% for Agricultural / Other Credits 269,217 322,757 426,590 529,361 543,900 572,098 598,821 620,141

25% Total 448,695 537,928 710,983 882,268 906,500 953,497 998,035 1,033,569

Compliance/Utilization



25% Total 303,934 358,673 432,729 488,201 502,449 543,959 542,844 573,690

Of which: Alternative Compliance

10% for Agrarian Reform 973 5,306 5,664 7,754 8,170 8,667 8,813 16,839


25% Total 177,682 182,297 233,126 242,031 255,868 271,324 276,107 294,045

Excess/(Deficiency)

10% for Agrarian Reform (154,738) (183,756) (252,897) (316,895) (325,708) (341,879) (358,662) (369,964)

15% for Agricultural / Other Credits 9,977 4,501 (25,357) (77,173) (78,343) (67,659) (96,529) (89,915)

25% Total (144,761) (179,256) (278,253) (394,067) (404,051) (409,538) (455,192) (459,879)

Compliance Ratio (%)

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

15% for Agricultural / Other Credits 15.56% 15.21% 14.11% 12.81% 12.84% 13.22% 12.58% 12.83%

25% Total 16.93% 16.67% 15.22% 13.83% 13.86% 14.26% 13.60% 13.88%

1/Republic Act No. 10000



2017SELECTED ACCOUNTS 2013 2014 2015 2016

II. 86

Table 5.a SUMMARY REPORT ON COMPLIANCE WITH AGRI-AGRA REFORM CREDIT ACT OF 2009 1/


2013 - 2017

In Million Pesos

3.31 6.30 9.30 12.31

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




25% Total 392,177 483,343 667,767 828,765 852,539 894,735 920,761 967,257




25% Total 265,523 314,580 395,278 447,113 460,401 500,786 495,972 530,581


10% for Agrarian Reform 463 5,042 5,190 5,940 6,225 6,560 6,493 14,210


25% Total 171,144 177,339 228,312 235,619 248,367 263,099 268,431 285,793

Excess/(Deficiency)


15% for Agricultural / Other Credits 16,318 5,421 (26,966) (74,700) (76,887) (64,586) (84,970) (80,953)

25% Total (126,654) (168,763) (272,489) (381,652) (392,137) (393,949) (424,789) (436,676)




25% Total 16.93% 16.27% 14.80% 13.49% 13.50% 13.99% 13.47% 13.71%





II.87

Table 5.b SUMMARY REPORT ON COMPLIANCE WITH AGRI-AGRA REFORM CREDIT ACT OF 2009 1/

Thrift Banks

2013 - 2017

In Million Pesos

3.31 6.30 9.30 12.31

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




25% Total 48,403 41,870 32,740 40,842 41,501 44,702 60,334 49,500




25% Total 15,976 17,300 15,655 18,178 19,004 19,948 19,921 17,219


10% for Agrarian Reform 298 14 29 557 579 678 754 1,016


25% Total 6,150 4,483 4,053 4,727 5,686 6,416 5,716 6,222

Excess/(Deficiency)


15% for Agricultural / Other Credits (15,946) (10,690) (6,363) (9,459) (8,765) (10,006) (19,475) (15,665)

25% Total (32,427) (24,570) (17,085) (22,664) (22,497) (24,755) (40,413) (32,281)




25% Total 8.25% 10.33% 11.95% 11.13% 11.45% 11.03% 8.25% 8.70%





II. 88

Rural and Cooperative Banks

2013 - 2017

In Million Pesos

3.31 6.30 9.30 12.31

32,459 50,861 41,903 50,644 49,843 56,235 67,762 67,245

3,246 5,086 4,190 5,064 4,984 5,624 6,776 6,724.52

4,869 7,629 6,285 7,597 7,477 8,435 10,164 10,087

8,115 12,715 10,476 12,661 12,461 14,059 16,941 16,811

7,962 9,394 7,539 8,327 8,260 7,856 8,870 9,100

14,474 17,399 7,972 14,582 14,785 15,369 18,080 16,789

22,436 26,792 15,511 22,910 23,044 23,224 26,951 25,889

213 250 445 1,257 1,365 1,429 1,566 1,613

175 224 316 429 450 381 394 418

388 475 760 1,686 1,816 1,810 1,960 2,031

4,716 4,308 3,349 3,263 3,275 2,232 2,094 2,376

9,605 9,770 1,687 6,985 7,308 6,933 7,916 6,702

14,321 14,077 5,036 10,249 10,584 9,166 10,010 9,078

24.53% 18.47% 17.99% 16.44% 16.57% 13.97% 13.09% 13.53%

44.59% 34.21% 34.03% 28.79% 29.66% 27.34% 26.68% 24.97%

69.12% 52.68% 52.02% 45.24% 46.23% 41.31% 39.77% 38.50%




10% for Agrarian Reform

15% for Agricultural / Other Credits

25% Total


Excess/(Deficiency)





25% Total



25% Total


Table 5.c SUMMARY REPORT ON COMPLIANCE WITH AGRI-AGRA REFORM CREDIT ACT OF 2009 1/

SELECTED ACCOUNTS 2013 2014 2015 20162017

Total Loanable Funds Generated




25% Total


25% Total

II. 89

Table 6 SUMMARY REPORT ON COMPLIANCE WITH MICRO, SMALL AND MEDIUM ENTERPRISES CREDIT

(R.A. NO. 6977, AS AMENDED BY R.A. NOS. 8289 AND 9501)

The Philippine Banking System2013 - 2017

In Million Pesos

3.31 6.30 9.30 12.31

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

MICRO, SMALL AND MEDIUM ENTERPRISES CREDIT (8% and 2%)

Direct Compliance 385,152 438,609 494,336 503,479 493,391 496,200 504,326 535,941

Alternative Compliance 1,879 1,564 1,443 1,603 1,494 1,568 1,599 1,697

Excess compliance of a bank/s used by another bank/s 0 0 0 0 0 0 0 0

Total Eligible Investment for MSMEs 387,031 440,173 495,779 505,082 494,885 497,767 505,924 537,638

Minimum Amount Required to be Allocated 330,965 400,353 470,265 546,219 589,060 589,627 613,758 643,826

Percent of Compliance (%) 11.69 10.99 10.54 9.25 8.40 8.44 8.24 8.35

MICRO AND SMALL ENTERPRISES (MSEs) CREDIT ( 8% )


Alternative Compliance 1,547 1,258 1,152 1,218 1,128 1,200 1,221 1,317


Total Eligible Investment for MSEs 185,086 196,091 204,713 207,992 195,145 199,013 200,871 213,813



MEDIUM ENTERPRISES (MEs) CREDIT ( 2% )


Alternative Compliance 332 306 291 385 365 367 378 380


Total Eligible Investment for MEs 201,944 244,082 291,066 297,090 299,740 298,755 305,053 323,825



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



II.90

Table 6.a SUMMARY REPORT ON COMPLIANCE WITH MICRO, SMALL AND MEDIUM ENTERPRISES CREDIT


Universal and Commercial Banks2013 - 2017

In Million Pesos

3.31 6.30 9.30 12.31

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



Alternative Compliance 1,274 912 779 946 817 865 877 887

Excess compliance of a bank/s used by another bank/s 10,637 9,859 8,798 2,822 416 349 439 644






Alternative Compliance 1,142 861 754 856 762 811 819 830

Excess compliance of a bank/s used by another bank/s 10,637 9,859 8,798 3,078 677 627 769 998







Excess compliance of a bank/s used by another bank/s 0 0 0 (256) (261) (278) (330) (354)







II.91

Table 6.b SUMMARY REPORT ON COMPLIANCE WITH MICRO, SMALL AND MEDIUM ENTERPRISES CREDIT


Thrift Banks

2013 - 2017

In Million Pesos

3.31 6.30 9.30 12.31

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




Excess compliance of a bank/s used by another bank/s (10,637) (9,859) (8,699) (3,078) (677) (627) (769) (998)







Excess compliance of a bank/s used by another bank/s (10,637) (9,859) (8,699) (3,078) (677) (627) (769) (998)







Excess compliance of a bank/s used by another bank/s 0 0 0 (0) 0 0 0 (0)







II.92

Table 6.c SUMMARY REPORT ON COMPLIANCE WITH MICRO, SMALL AND MEDIUM ENTERPRISES CREDIT


Rural and Cooperative Banks

2013 - 2017

In Million Pesos

3.31 6.30 9.30 12.31

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




Excess compliance of a bank/s used by another bank/s 0 0 (99) 256 261 278 330 354







Excess compliance of a bank/s used by another bank/s 0 0 (99) 0 0 0 0 0














II.93

Table 7 PHILIPPINE FOREIGN CURRENCY DEPOSIT SYSTEM

BALANCE SHEET

The Philippine Banking System2013 - 2017

In Million US$

3.31 6.30 9.30 12.31

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

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


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

Financial Liabilities Held for Trading 98 227 131 132 78 96 84 121Financial Liabilities Designated at Fair Value through Profit or Loss 0 0 0 0 0 0 0 0Deposit Liabilities 25,910 31,791 32,446 35,872 37,336 37,237 39,055 39,205Due to Other Banks 813 819 727 688 617 551 667 529Bills Payable 4,538 4,691 6,861 7,375 7,189 7,263 6,527 6,374Bonds Payable - Net 1,422 1,423 2,034 2,035 1,460 1,460 2,160 2,160Unsecured Subordinated Debt - Net 0 0 0 0 0 0 0 0Derivatives with Negative Fair Value Held for Hedging 3 2 1 0 1 0 0 0Accrued Interest Expense on Financial Liabilities 78 93 94 107 87 93 101 112Due to Treasurer of the Philippines 1 1 1 1 1 1 1 1Payment Orders Payable 13 20 16 36 23 28 29 27Due to Bangko Sentral ng Pilipinas 0 0 0 0 1 0 0 0Due to Philippine Deposit Insurance Corporation 2 3 3 3 1 3 1 3Income Tax Payable 3 2 3 4 4 3 3 4Other Taxes and Licenses Payable 0 0 0 0 0 0 0 0Accrued Expenses 3 4 3 2 3 2 2 3Unearned Income 15 10 6 5 6 6 6 7Deferred Tax Liabilities 0 0 0 0 0 0 0 0Other Liabilities 187 338 117 182 189 233 466 203Due to Head Office/Branches/Agencies - Net * 1,006 1,164 830 829 827 689 828 810Due to FCDU/RBU - Net ** 661 (38) 161 255 387 252 88 60

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

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

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

** / Net of Due from FCDU/RBU



BALANCE SHEET ACCOUNTS 2013 2014 2015 20162017

II.94

Table 7.a PHILIPPINE FOREIGN CURRENCY DEPOSIT SYSTEM

BALANCE SHEET

Universal and Commercial Banks2013 - 2017

In Million US$

3.31 6.30 9.30 12.31

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

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


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

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

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

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






II.95

Table 7.b PHILIPPINE FOREIGN CURRENCY DEPOSIT SYSTEM

BALANCE SHEET

Thrift Banks2013 - 2017

In Million US$

3.31 6.30 9.30 12.31

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

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


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

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

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

Other Equity Instruments 0 0 0 0 0 0 0 0Retained Earnings 4 2 3 5 9 9 4 3Undivided Profits 12 7 8 25 3 8 13 18Other Comprehensive Income (18) (3) (5) (15) (10) (7) (5) (7)






II.96

Table 8 TRUST AND FUND MANAGEMENT OPERATIONS


2015 - 2017

In Million Pesos

3.31 6.30 9.30 12.31

TOTAL ASSETS 2,557,302 2,843,011 2,317,846 2,385,987 2,412,644 2,541,904

Cash and Due from Banks 383,569 286,985 178,170 2,032 2,038 1,993

Cash on Hand, Checks and Other Cash Items 40 1 0 2 4 0

Due from BSP 383,529 286,984 178,169 2,030 2,034 1,993

Deposits in Banks 532,601 724,215 668,073 797,690 770,091 789,469

Financial Assets, gross (net of amortization) 1,313,714 1,465,155 1,105,851 1,170,460 1,219,972 1,246,963

Accumulated Market Gains/Losses 75,097 53,065 24,047 30,426 33,565 26,045

Allowance for Credit Losses 572 650 652 645 645 730

Financial Assets, net 1,388,239 1,517,571 1,129,246 1,200,240 1,252,892 1,272,277

Loans, gross 47,141 46,432 43,558 45,393 45,061 43,429

Allowance for probable losses 1,391 1,416 1,287 1,575 1,538 1,527

Loans, net 45,750 45,016 42,271 43,818 43,523 41,903

Equity Investments, gross 87,919 81,535 78,902 78,987 78,672 78,622


Accumulated Market Gain/(Loss) 0 0 0 0 0 0

Equity Investments, net 85,403 78,779 76,425 76,625 76,311 76,230

Real and Other Properties Acquired, net 148 92 83 80 77 76

Other assets 121,593 190,353 223,578 265,503 267,712 359,956

TOTAL ACCOUNTABILITIES 2,557,302 2,843,011 2,317,846 2,385,987 2,412,644 2,541,904

Trust 1,544,583 1,701,614 1,330,518 1,304,610 1,259,077 1,176,488

UITF 670,890 825,129 637,374 623,749 625,940 576,987

Employee Benefit 308,223 316,017 234,194 239,924 245,614 250,965

Pre-Need 110,460 110,360 75,891 76,304 77,644 78,370

Others-Institutional Accounts 45,273 36,541 34,967 35,057 34,047 34,826

Personal Trust 391,056 393,327 329,989 310,579 258,569 220,395

Personal Pension Fund 0 0 0 0 0 0

Personal Retirement Fund 218 105 106 105 106 105

Others-Individual Accounts 18,463 20,134 17,998 18,893 17,157 14,841

Agency 699,578 778,727 610,202 662,445 729,132 841,237


Pre-Need 815 811 823 830 783 789

Others-Institutional Agency Accounts 429,694 484,124 346,830 372,707 376,740 410,949



Others-Individual Agency Accounts 222,340 245,918 228,868 254,267 315,937 397,336

Other Fiduciary Services 309,717 361,267 376,324 418,131 423,933 523,681

UITF 11,716 16,001 0 0 0 0

Others 298,001 345,266 376,324 418,131 423,933 523,681

Advisory/Consultancy 0 0 0 0 0 0

Special Purpose Trust 3,424 1,402 801 802 502 498

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

Accounts 2015 20162017

II. 97


Universal and Commercial Banks2015 - 2017In Million Pesos

3.31 6.30 9.30 12.31 TOTAL ASSETS 2,519,615 2,803,744 2,277,737 2,385,987 2,368,761 2,496,457

Cash and Due from Banks 378,172 284,396 176,746 2,032 2,034 1,993


Due from BSP 378,133 284,396 176,746 2,030 2,034 1,993


Financial Assets, gross (net of amortization) 1,293,094 1,441,358 1,081,251 1,170,460 1,191,274 1,216,315

Accumulated Market Gains/Losses 74,506 52,737 23,597 30,426 32,848 25,548

Allowance for Credit Losses 573 650 652 645 645 730

Financial Assets, net 1,367,028 1,493,445 1,104,196 1,200,240 1,223,477 1,241,134

Loans, gross 44,787 43,285 40,279 45,393 40,419 38,807


Loans, net 43,431 41,912 39,037 43,818 38,999 37,399

Equity Investments, gross 87,646 81,261 78,628 78,987 78,598 78,548



Equity Investments, net 85,129 78,505 76,151 76,625 76,237 76,157


Other assets 119,233 189,794 222,956 265,503 267,172 359,341

TOTAL ACCOUNTABILITIES 2,519,615 2,803,744 2,277,737 2,385,987 2,368,761 2,496,457

Trust 1,531,449 1,690,786 1,319,190 1,304,610 1,248,361 1,166,814

UITF 663,489 820,136 632,093 623,749 620,859 572,213


Pre-Need 109,869 109,645 75,085 76,304 76,985 77,619

Others-Institutional Accounts 45,273 36,541 34,967 35,057 34,047 34,826

Personal Trust 388,689 390,911 327,544 310,579 256,471 219,396



Others-Individual Accounts 18,463 20,134 17,997 18,893 17,157 14,841

Agency 675,578 750,727 581,850 662,445 696,297 805,890


Pre-Need 815 811 823 830 783 789





Other Fiduciary Services 309,164 360,828 375,896 418,131 423,601 523,254

UITF 11,716 16,001 - 0 0 0

Others 297,448 344,827 375,896 418,131 423,601 523,254


Special Purpose Trust 3,424 1,402 801 802 502 498



Accounts 2015 20162017

II.98


Thrift Banks2015 - 2017In Million Pesos

3.31 6.30 9.30 12.31 TOTAL ASSETS 37,687 39,267 40,108 42,830 43,884 45,448

Cash and Due from Banks 5,397 2,589 1,424 2 4 0


Due from BSP 5,396 2,588 1,423 0 0 0


Financial Assets, gross (net of amortization) 20,620 23,797 24,600 26,625 28,698 30,647

Accumulated Market Gains/Losses 591 329 449 567 717 496

Allowance for Credit Losses -1 (1) -1 (1) - 0

Financial Assets, net 21,211 24,127 25,050 27,193 29,416 31,143

Loans, gross 2,354 3,147 3,279 4,628 4,642 4,622

Allowance for probable losses 35 43 45 118 118 118

Loans, net 2,319 3,103 3,234 4,510 4,524 4,504

Equity Investments, gross 274 274 274 274 74 74

Allowance for probable losses 0 0 0 0 0 0


Equity Investments, net 274 274 274 274 74 74


Other assets 2,360 559 622 655 540 614

TOTAL ACCOUNTABILITIES 37,687 39,267 40,108 42,830 43,884 45,448

Trust 13,135 10,828 11,329 11,099 10,716 9,674

UITF 7,401 4,993 5,282 5,265 5,082 4,774


Pre-Need 591 715 806 784 658 751

Others-Institutional Accounts 0 0 0 0 0 0

Personal Trust 2,367 2,416 2,445 2,168 2,097 998



Others-Individual Accounts 0 0 0 0 0 0

Agency 24,000 28,000 28,352 31,149 32,836 35,347

Employee Benefit 70 69 68 62 67 66

Pre-Need 0 0 0 0 0 0





Other Fiduciary Services 553 439 427 582 332 427

UITF 0 0 0 0 0 0

Others 553 439 427 582 332 427


Special Purpose Trust 0 0 0 0 0 0



Accounts 2015 20162017

II. 99

Part III

Directory of the


Name of Bank Address

1 . Asia United Bank Corporation Joy~Nostalg Center, 17 ADB Avenue, Ortigas Center, Pasig City 1605

2 . BDO Unibank, Inc. BDO Corporate Center, 7899 Makati Avenue, Makati City

3 . Bank of the Philippine Islands BPI Bldg., Ayala Avenue cor. Paseo de Roxas, Makati City 0720

4 . China Banking Corporation 8745 Paseo de Roxas cor. Villar Street, Makati City 1226

5 . East West Banking Corporation The Beaufort, 5th Avenue Corner 23rd Street, Fort Bonifacio Global City, Taguig City

6 . Metropolitan Bank and Trust Company Metrobank Plaza, Sen. Gil J. Puyat Avenue, Urdaneta Village, Makati City 1200

7 . Philippine National Bank PNB Financial Center, Pres. Diosdado Macapagal Blvd., Pasay City 1300

8 . Philippine Trust Company 1000 Philtrust Bank Building, United Nations Avenue corner San Marcelino St., Manila 1007

9 . Rizal Commercial Banking Corporation 46th Floor, Yuchengco Tower, RCBC Plaza, 6819 Ayala Ave., Makati City 0727ð

10 . Security Bank Corporation Security Bank Centre, 6776 Ayala Avenue, Makati City 0719

11 . Union Bank of the Philippines Union Bank Plaza, Meralco Avenue cor. Onyx & Sapphire Roads, Pasig City 1605

12 . United Coconut Planters Bank UCPB Corporate Offices, 7907 Makati Avenue, Makati City 0728

1 . Australia and New Zealand Banking Group, Ltd. 9/F Metrobank Card Corp. Center, 6778 Ayala Avenue, Makati City

2 . Deutsche Bank AG 26 / F Ayala Tower One, Ayala Triangle, Makati City 1226

3 . ING Bank N.V. 20th Floor Tower One, Ayala Triangle, Ayala Avenue, Makati City 1226

4 . Mizuho Bank, Ltd. - Manila Branch 25th Floor, The Zuellig Building, Makati Avenue corner Paseo de Roxas, 1225 Makati City

5 . Standard Chartered Bank The Sky Plaza Bldg., 6788 Ayala Ave., Makati City 1226

6 . The Hongkong & Shanghai Banking Corporation HSBC Centre, 3058 Fifth Avenue West, Bonifacio Global City, Taguig City 1634

1 . Al-Amanah Islamic Investment Bank of the Philippines PHIDCO A. Building Veterans Avenue, Zamboanga City (Executive Office: 4th Floor

Development Bank of the Philippines Sen. Gil J. Puyat Avenue corner Makati Avenue Makati

City 1200)

2 . Development Bank of the Philippines Sen. Gil. J. Puyat Avenue corner Makati Avenue Makati City

3 . Land Bank of the Philippines LandBank Plaza Bldg., 1598 M. H. Del Pilar cor. Dr. J. Quintos Sts., Malate, Manila 1004

1 . Bank of Commerce San Miguel Properties Centre (SMPC), No. 7 Saint Francis Street, Mandaluyong City 1550

2 . BDO Private Bank, Inc. BDO Private Bank 2/F BDO Equitable Tower 8751 Paseo De Roxas Makati City

3 . Philippine Bank of Communications PBCom Tower, 6795 Ayala Avenue corner V.A. Rufino St., Makati City 1226

4 . Philippine Veterans Bank PVB Bldg. 101 V. A. Rufino cor. Dela Rosa Sts., Legaspi Village, Makati City 1229

5 . Robinsons Bank Corporation 29/F Galleria Corporate Center, EDSA cor. Ortigas Avenue, 1110 Quezon City

1 . CTBC Bank (Philippines) Corporation 16th to 19th Floors, Fort Legend Towers, 31st Street cor. 3rd Ave., Bonifacio Global City, Taguig

City

2 . Maybank Philippines, Inc. Maybank Corporate Centre 7th Avenue Corner 28th Street, Bonifacio High Street Central,

Bonifacio Global City, Taguig City 1634 Metro Manila

1 . Bangkok Bank Public Co. Ltd. 10th Floor, Tower 2, The Enterprise Center, 6766 Ayala Avenue, Makati City 1200

2 . Bank of America, N.A. 27/F Philamlife Tower, 8767 Paseo de Roxas, Makati City 1226

3 . Bank of China Limited-Manila Branch 36/F Philamlife Tower, 8767 Paseo de Roxas, Makati City 1226

4 . Cathay United Bank Co., Ltd. - Manila Branch Unit 1, 15th Floor, Tower 6789, 6789 Ayala Avenue, 1226 Makati City

5 . Citibank, N.A. 9F Citibank Tower, 8741 Paseo de Roxas St., Makati City 1226

6 . First Commercial Bank, Ltd., Manila Branch 20th Floor, Tower 6789 Ayala Avenue, Makati City 1223

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

8 . Industrial Bank of Korea Manila Branch 8th Floor, Unit 801-802 One World Place Building, 32nd Street, Bonifacio Global City, Taguig

City Philippines 1630

9 . JP Morgan Chase Bank, N.A. 30/F Zuellig Building, Makati Avenue corner Paseo de Roxas, Makati City 1225

10 . KEB Hana Bank - Manila Branch 21st Floor, Zuellig Building, Makati Avenue corner Paseo de Roxas Street, Makati City

11 . Mega International Commercial Bank Co., Ltd. 3 / F Pacific Star Bldg., Sen. Gil Puyat Ave., Makati City

12 . Shinhan Bank - Manila Branch 21st Floor, Units 1 and 2 RCBC Savings Bank Corporate Center, 25th and 26th Streets,

Bonifacio Global City, Taguig City

13 . Sumitomo Mitsui Banking Corporation - Manila Branch 21st Floor, Tower One & Exchange Plaza, Ayala Triangle, Ayala Avenue, Makati City

14 . The Bank of Tokyo-Mitsubishi UFJ, Ltd. 15 / F Makati Sky Plaza Building 6788 Ayala Avenue, Makati City 1226

15 United Overseas Bank Limited, Manila Branch 17TH Floor, Pacific Star Building, Sen. Gil Puyat Avenue Cor. Makati Avenue, Makati City 1200


Table 1 DIRECTORY OF HEAD OFFICES OF THE PHILIPPINE BANKING SYSTEM


I.a Universal and Commercial Banks

1.a.1 Universal Banks


Government Banks

1.a.2 Commercial Banks





III. 1


1 . 1st Valley Bank, Inc. A Development Bank Vamenta Blvd., corner Lirio St., Carmen, 9000 Cagayan de Oro City

2 . Bangko Kabayan, Inc. (A Private Development Bank) Santiago St., Poblacion, Ibaan, Batangas

3 . Bank of Makati (A Savings Bank), Inc. Ayala Avenue corner Metropolitan Avenue, Makati City

4 . Bank One Savings and Trust Corporation 4201 R. Magsaysay Blvd., Sta. Mesa, Manila 1016

5 . Bataan Development Bank Aguirre St., Balanga. 2100 Bataan

6 . BPI Direct BanKO, Inc., A Savings Bank 220 Ortigas Avenue, BanKO center North Greenhills, San Juan City 1503

7 . BPI Family Savings Bank, Inc. 109 BPI Family Savings Bank Centre, Paseo de Roxas cor. dela Rosa Streets

Makati City 1200

8 . Business and Consumers Bank (A Development Bank) BCB Building, Simon Ledesma St., Jaro, Iloilo City

9 . Card SME Bank, Inc. A Thrift Bank 120 M. Paulino St. Corner Burgos st., San Pablo City, Laguna

10 . Century Savings Bank Corporation 232 Shaw Blvd. cor. Oranbo Drive, 1601 Pasig City

11 . China Bank Savings, Inc. VGP Center Bldg., 6772 Ayala Avenue, 1226 Makati City

12 . City Savings Bank, Inc. City Savings Bank Financial Plaza cor. Osmena Boulevard. and P. Burgos St.

6000 Cebu City

13 . Citystate Savings Bank, Inc. Citystate Center Building, 709 Shaw Blvd., Oranbo, Pasig City 1600

14 . Cordillera Savings Bank, Inc. Dumlao Blvd., Bayombong, 3700 Nueva Vizcaya

15 . Dumaguete City Development Bank, Inc. Dr. Vicente Locsin cor. Cervantes Sts., Dumaguete City

16 . Enterprise Bank, Inc. (A Thrift Bank) National Highway, Poblacion, Lianga, Surigao Del Sur 8307

17 . Equicom Savings Bank, Inc. 6th Floor ODC International Plaza Building, 219 Salcedo Street, Legaspi Village

Makati City

18 . Farmers Savings and Loan Bank, Inc. McArthur Highway, Wakas, Bocaue, Bulacan

19 . First Consolidated Bank, Inc. (A Private Development Bank) No. 0982 C.P. Garcia North Avenue, Taloto, Tagbilaran City

20 . Hiyas Banking Corporation Gov. Fortunato F. Halili Ave., Bagbaguin, Sta. Maria, Bulacan

21 . HSBC Savings Bank (Phils), Inc. G / F Peninsula Court, 8735 Paseo de Roxas cor. Makati Ave., Makati City

22 . Inter-Asia Development Bank J.P. Rizal Avenue corner Mahogany Market Street , 4120 Tagaytay City

23 . ISLA Bank (A Thrift Bank), Inc. G/F & 2/F Glass Tower, 115 C. Palanca, Jr. St., Legaspi Village 1229 Makati City

24 . Legazpi Savings Bank, Inc. Rizal Street, Sagpon, Albay District, Legazpi City

25 . Lemery Savings and Loan Bank, Inc. 105 Ilustre Avenue, Lemery, Batangas

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

27 . Luzon Development Bank Mezzanine Floor, Checkpoint Mall, Paciano Rizal, Calamba City, Laguna

28 . Malasiqui Progressive Savings and Loan Bank, Inc. Quezon Blvd. Extension, Malasiqui, 2421 Pangasinan

29 . Malayan Bank Savings and Mortgage Bank, Inc. Majalco Bldg., cor. Benavidez & Trasierra Sts., Legaspi Village, Makati City 1229

30 . Maritime Savings Bank Corporation Gen. E. Aguinaldo Highway, Bacoor, 4102 Cavite

31 . Merchants Savings and Loan Association, Inc. EDES 2 Building, J.P. Laurel Avenue (Acacia Section) corner Villa Abrille Street

Davao City

32 . Metro-Cebu Public Savings Bank 2/F Sia Bldg., N. Bacalso Avenue, Barangay Duljo Fatima, Cebu City 6000

33 . Maximum Savings Bank, Inc. No. 54 Oppax Bldg., Barangay Sabang, Puerto Galera, 5203 Oriental Mindoro

34 . Northpoint Development Bank, Inc. 3rd Floor & 4th Floor S.P. Junction Bldg., National Highway Corner A. Mabini St.

Brgy. Nueva, San Pedro City, Laguna

35 . AllBank (A Thrift Bank), Inc. Polar Center EDSA, EDSA Cor. Cornell St., Brgy. Wack Wack, Mandaluyong City

36 . Pacific Ace Savings Bank, Inc. Retail I Time Square Complex, Subic Bay Freeport Zone, Olongapo City

37 . Pampanga Development Bank McArthur Highway, Dolores, San Fernando City, 2000 Pampanga

38 . Penbank, Inc. (A Private Development Bank) 3/F Penbank Centre, RDRDC Building, Santiago Blvd., Gen. Santos City

South Cotabato 9500

39 . Phil Star Development Bank, Inc. Alpha Hotel, Tolentino Road, Kumintang Ibaba, Batangas City

40 . Philippine Business Bank, Inc., A Savings Bank 350 Rizal Ave. Ext. cor. 8th Ave., Grace Park, 1403 Caloocan City

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

42 . Philippine Resources Savings Banking Corporation (PR Savings Bank) Alingog Center, Rizal cor Canciller Ave., Cauayan City, Isabela

43 . Philippine Savings Bank PSBank Center, 777 Paseo de Roxas cor. Sedeno St., Makati City

44 . PNB Savings Bank 11/F Allied Bank Center, 6754 Ayala Ave., Makati City

45 . Producers Savings Bank Corporation 17F AIC Burgundy Empire Tower, ADB Avenue corner Sapphire Street

Ortigas Center, 1605 Pasig City

46 . Queen City Development Bank, Inc. or Queenbank, A Thrift Bank Queenbank Financial Center, Sky City Tower, Mapa St., Iloilo City 5000

47 . Quezon Coconut Bank, Inc. (A Thrift Bank) Cor. Gov. Guinto & Enriquez Sts., Brgy. IX, Lucena City 4301, Quezon

48 . RCBC Savings Bank, Inc. RCBC Savings Bank Corporate Center, 26th and 25th Streets, Bonifacio Global City,

Taguig City 1634

49 . Sterling Bank of Asia, Inc. (A Savings Bank) Sterling Bank Corporate Center, Greenhills, San Juan City

50 . Sun Savings Bank, Inc. Ground Floor, Jesever Building, Fuente Osmeña Circle, Osmeña Boulevard, Cebu City

51 . The Palawan Bank (Palawan Development Bank), Inc. Golraz Bldg., Malvar St., Brgy. San Miguel, Puerto Princesa City, Palawan 5300

52 . UCPB Savings Bank 18/F UCPB Bldg., Makati Avenue, Makati City 0728

53 . University Savings Bank, Inc. 1497 Dapitan cor. Alfredo St., Sampaloc, Manila

54 . Wealth Development Bank Corporation Taft Financial Center, Cardinal Rosales Ave., Cebu Business Park, Cebu City 6000

55 . Yuanta Savings Bank Philippines, Inc. G/F Chatham House Condominium, 116 Valero cor. V.A. Rufino Sts. , Salcedo Village

1227 Makati City

1.b Thrift Banks


III. 2

1.c Rural and Cooperative Banks


1 . Ama Rural Bank of Mandaluyong, Inc. 311 Shaw Blvd., Mandaluyong City

2 . Baclaran Rural Bank, Inc. 83 Redemptorist Rd., Baclaran, Parañaque City

3 . Banco Alabang, Inc. (A Rural Bank) Ground Floor, Minerva Building, National Road, Putatan,

Muntinlupa4 . Bangko Pasig (Rural Bank) Unit 510 Prestige Tower Office Condominium Bldg., F. Ortigas Jr.

Road, Brgy. San Antonio, Ortigas Center, Pasig City

5 . Country Builders Bank, Inc. (A Rural Bank) 6 Gen. Luna St., Tuktukan, Taguig, Metro Manila

6 . Enterprise Capital Bank, Inc. (Taguig Rural Bank) Amber Place, 67 Bayani Road, Fort Bonifacio, 1630 Taguig City,

Metro Manila

7 . Insular Savers Bank, Inc. (A Rural Bank) Net Plaza, 31st Street, Bonifacio Global City, 1634 Taguig City

8 . Metro South Cooperative Bank IDC Centre, Zapote Street Corner Kalayaan Ave., Brgy. Sta. Cruz,

1205 Makati City

9 . Mvsm Bank (A Rural Bank Since 1953) Inc. 341 J. P. Rizal St., Sto. Niño, 1800 Marikina City

10 . Network Consolidated Cooperative Bank 160 Katipunan Avenue, St. Ignatius Village, 1110 Quezon City

11 . Rodriguez Rural Bank, Inc. Unit A, GF, Rayle Bldg. 52 Dr. Sixto Antonio, Kapasigan, Pasig City

160012 . Rural Bank of Caloocan, Inc. 55 A. Mabini corner Damayan Streets, Maypajo, Caloocan City

141013 . Rural Bank of San Pascual (Obando, Bulacan), Inc. 345 M.H. del Pilar cor. Navarette St. Brgy. Arkong Bato,Valenzuela

City

14 . San Francisco Del Monte Rural Bank, Inc. 958-964 Del Monte Avenue, Barangay Damayan, Quezon City

15 . Second Rural Bank of Valenzuela (Metro Manila), Inc. 45 M.H. del Pilar Road, Poblacion 1, Valenzuela City

16 . Smart Bank (A Rural Bank), Inc. G/F Westgate Tower, 1708 Investment Drive, Madrigal Business

Center, Alabang, Muntinlupa City 1780

17 . Tanay Rural Bank, Inc. 31st floor unit 3101-3108 Raffles Corporate Center, F. Ortigas Jr.

Road, Ortigas Center, Pasig City

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

1 . Cordillera Bank, Inc. (A Rural Bank) Mena Crisologo St., Barangay 1, Vigan, Ilocos Sur

2 . Ilocos Consolidated Cooperative Bank ISCB Bldg., National Highway, Bagani Camposanto, Candon,

2710 Ilocos Sur

3 . Rural Bank of Cabugao (Ilocos Sur), Inc. Barangay Rizal, Cabugao, Ilocos Sur

4 . Rural Bank of Galimuyod (Ilocos Sur), Incorporated Poblacion, Galimuyod, 2709 Ilocos Sur

5 . Rural Bank of Salcedo (Ilocos Sur), Inc. Poblacion, Salcedo, Ilocos Sur

6 . Rural Bank of Sta. Maria (Ilocos Sur), Inc. Col. S. Reyes Ave., Pob. Sur, Sta. Maria, Ilocos Sur 2705

7 . Sadiri Rural Bank (San Juan, Ilocos Sur), Inc. Poblacion, San Juan, 2731 Ilocos Sur

8 . Vigan Banco Rural, Incorporada Salcedo St., Vigan, Ilocos Sur

1 . Bannawag Bank, Inc. (A Rural Bank) Camilio Osias Street, Balaoan, La Union

2 . Community Rural Bank of San Gabriel (La Union), Inc. Poblacion, San Gabriel, La Union

3 . Cooperative Bank of La Union CBLU Bldg., National Highway, Sta. Barbara, Agoo, La Union

4 . LUDB Bank, Inc. (A Rural Bank) Quezon Avenue, Brgy. II, San Fernando City, 2500 La Union

5 . Rang-Ay Bank, Inc. (A Rural Bank) G/F Nisce-Querol Bldg., 67 Gov. Luna St., City of San Fernando,

La Union 2500

6 . Rural Bank of Agoo, Inc. National Highway, Consolacion, Agoo, La Union

NATIONAL CAPITAL REGION

REGION I - ILOCOS

Ilocos Norte

Ilocos Sur

La Union


III. 3



7 . Rural Bank of Bacnotan, Inc. National Highway, Barangay Nagsimbaanan, Bacnotan, La

Union

8 . Rural Bank of Bauang, Inc. McArthur Highway corner Florendo St., Central East, Bauang, La

Union9 . Rural Bank of Rosario (La Union), Inc. Poblacion East, Rosario, La Union

10 . Rural Bank of Sudipen (La Union), Inc. Ipet, Sudipen, 2520 La Union

1 . ASENSO Rural Bank of Bautista, Inc. Poblacion East, Bautista, Pangasinan 2424

2 . Banco Sual (A Rural Bank), Inc. Poblacion, Sual, Pangasinan

3 . Bangko Pangasinan - A Rural Bank, Inc. ETG Bldg. Mayombo District, Dagupan City

4 . BHF Rural Bank, Inc. Mayombo District, Dagupan City, Pangasinan 2400

5 . CSFirst Bank, Inc. -A Rural Bank J.P. Rizal St., Poblacion Sur, Bayambang, 2423 Pangasinan

6 . Kaluyagan Rural Bank, Inc. Mabini St., San Carlos City, 2420 Pangasinan

7 . Pangasinan Bank (A Rural Bank), Inc. Rizal Avenue, Poblacion, Mangaldan, 2432 Pangasinan

8 . Rural Bank of Alaminos (Pangasinan), Inc. Quezon Avenue, City of Alaminos, Pangasinan 2404

9 . Rural Bank of Anda (Pangasinan), Inc. Anda, Pangasinan

10 . Rural Bank of Balungao (Pangasinan), Inc. Poblacion, Balungao, Pangasinan

11 . Rural Bank of Bayambang (Pangasinan), Inc. Rizal Avenue, Poblacion, Bayambang, Pangasinan

12 . Rural Bank of Bolinao (Pangasinan), Inc. RB of Bolinao Bldg., Santiago St., Poblacion, Bolinao, Pangasinan

13 . Rural Bank of Central Pangasinan (Bayambang), Inc. Bayambang, Pangasinan 2418

14 . Rural Bank of Mangaldan, Inc. (Bangko Rural Ng

Mangaldan, Ink.)

Poblacion, Mangaldan, Pangasinan

15 . Rural Bank of Pozorrubio, Inc. Pozorrubio, Pangasinan

16 . Rural Bank of San Nicolas (Pangasinan), Inc. Rizal St., Poblacion, San Nicolas, 2447 Pangasinan

17 . Rural Bank of San Quintin, Inc. Figueroa St., Poblacion Zone II, San Quintin, Pangasinan 2444

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

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

1 . Banco Bakun, Inc. (A Rural Bank) Antamok Tram, Ucab, Itogon, Benguet

2 . Benguet Center Bank, Inc. A Rural Bank Poblacion, Sablan, Benguet 2614

3 . Cooperative Bank of Benguet (CBB) JC 225 Central Pico, Km 5, La Trinidad, Benguet 2601

4 . Diamond Rural Bank, Inc. No. 2 Kayang St., Baguio City 2600

5 . Highland Rural Bank Inc. A-02 Poblacion, La trinidad, 2601 Benguet

6 . Rural Bank of Baguio, Inc. Ground Floor JESNOR Condominium Building, 4 Carino St. Corner

Otek St., Baguio City

7 . Rural Bank of Itogon (Benguet), Inc. 1993 Public Market Bldg., Km. 5 Pico, La Trinidad, 2601 Benguet

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

Silang St., Baguio City)

Pangasinan

CAR - CORDILLERA ADMINISTRATIVE REGION

Abra

Apayao

Benguet


III. 4



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

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

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

1 . Cooperative Bank of Mt. Province Road Level, Cooperative Bank Building, Poblacion, Bontoc,

Mountain Province

2 . Rural Bank of Bontoc (Mountain Province), Inc. First Floor EDNP Bldg., Poblacion, Bontoc, Mountain Province

26163 . Rural Bank of Sagada (Mountain Province), Inc. Poblacion Sagada, Mountain Province

1 . Cooperative Bank of Cagayan Diversion Road, San Gabriel, Tuguegarao City, Cagayan

2 . Providence Rural Bank, Inc. Banco Agricola Bldg., Aglipay St., Dugo, Camalaniugan, 3510

Cagayan

3 . Rural Bank of Gattaran (Cagayan), Inc. Centro Norte, Gattaran, 3508 Cagayan

4 . Rural Bank of Sanchez Mira (Cagayan), Inc. Lagasca St., Centro I, Sanchez Mira, Cagayan

1 . Common Wealth Rural Bank, Inc. Amity Building, National Highway, Cauayan, Isabela

2 . First Isabela Cooperative Bank, Inc. (Ficobank) Minante I, Cauayan City Public Mkt, Cauayan City (Executive

Address: 2nd Floor, FICO Bank Corporate Center, Minante 1,

Cauayan City, 3305 Isabela)3 . Golden Rural Bank of the Philippines, Inc. National Hi-way, Cabaruan, Cauayan City, 3305 Isabela

4 . Mallig Plains Rural Bank (Isabela), Inc. National Highway, Centro 2, 3323 Mallig, Isabela

5 . North Pacific Banking Corporation (A Rural Bank) NWTF Building, Poblacion I, Sta. Maria, Isabela (Mailing Address:

La Patria Bldg. Cabaruan, Cauayan City, 3305 Isabela)

6 . Rural Bank of Alicia (Isabela), Inc. Quezon St., Magsaysay, Alicia, Isabela

7 . Rural Bank of Cauayan, Incorporated Don Jose Canciller Avenue, District 1, Cauayan City, 3303 Isabela

8 . Rural Bank of Ramon (Isabela), Inc. 121 National Road, Bugallon Proper, Ramon, Isabela

9 . Rural Bank of San Agustin (Isabela), Inc. RB Bldg., Maharlika Highway, Brgy. Masaya Centro, San Agustin,

Isabela 3314

10 . Rural Bank of San Manuel (Isabela), Inc. San Manuel, Isabela

11 . Rural Bank of San Mateo (Isabela), Inc. Poblacion, San Mateo, Isabela

12 . Rural Bank of Tumauini (Isabela), Inc. National Highway, Poblacion, Tumauini, Isabela

13 . United Consumers Rural Bank, Inc. National Highway, Centro, Aurora, Isabela

Ifugao

Kalinga

Mountain Province

REGION II - CAGAYAN VALLEY

Cagayan

Isabela


III. 5



1 . Agribusiness Rural Bank, Inc. Poblacion, Solano, Nueva Vizcaya

2 . Cooperative Bank of Nueva Vizcaya Burgos cor Gaddang Sts., Quirino, Solano, Nueva Vizcaya

3 . Rural Bank of Aritao, Inc. National Highway, Barangay Banganan, 3704 Aritao, Nueva

Vizcaya

4 . Rural Bank of Bagabag (N.V.), Inc. 65A National Highway, Barangay San Pedro, Bagabag, Nueva

Vizcaya 3711

5 . Rural Bank of Bambang (Nueva Vizcaya), Inc. Bambang, Nueva Vizcaya

6 . Rural Bank of Bayombong, Inc. National Road, 3700 Bayombong, Nueva Vizcaya

7 . Rural Bank of Dupax (Nueva Vizcaya), Inc. Malasin, Dupax Del Norte, 3706 Nueva Vizcaya

8 . Rural Bank of Solano (Nueva Vizcaya), Inc. Maharlika Highway, Poblacion South, Solano, Nueva Vizcaya

9 . Rural Bank of Villaverde (Nueva Vizcaya), Inc. Villaverde, Nueva Vizcaya

10 . Vizcaya Bank, A Rural Bank, Inc. Gen. Luna St., Poblacion South, Solano, Nueva Vizcaya

1 . Bangko Magsaysay (Isabela), Inc. - A Rural Bank Magsaysay, Saguday, Quirino

2 . Rural Bank of Maddela (Quirino), Inc. E. Mangaoil Building, Poblacion Norte, Maddela, Quirino

1 . Aurorabank (A Microfinance-Oriented Rural Bank), Inc. Rizal St., Brgy. 5, Poblacion, Baler, Aurora

2 . Cooperative Bank of Aurora Avenida Aurora, San Luis, Aurora

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

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

1 . Balanga Rural Bank, Inc. Don Manuel Banzon Ave., Doña Francisca Subdivision, Balanga

City, Bataan

2 . Bataan Cooperative Bank Capitol Compound, Balanga, Bataan

3 . Rural Bank of Abucay (Bataan), Inc. Barangay Bagong Daan, Calaylayan, Abucay, Bataan

4 . Rural Bank of Bagac, Bataan, Inc. 13 Jose P. Rizal Street, Barangay Pag-asa, Bagac, Bataan

5 . Rural Bank of Hermosa (Bataan), Inc. Burgos St., Poblacion, Hermosa, Bataan 2111

6 . Rural Bank of Limay (Bataan), Inc. National Road., Townsite, Limay, Bataan

7 . Rural Bank of Pilar (Bataan), Inc. Rizal St., Poblacion, Pilar, Bataan

8 Village Bank, Inc. (A Rural Bank) Zamora St., Centro I, Orani, Bataan 2112

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

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

3 . East Coast Rural Bank of Hagonoy, Inc. G. Panganiban St., Sto. Niño, Hagonoy, 3002 Bulacan

4 . Emerald Rural Bank, Inc. Barangay Sta. Cruz I, San Jose Del Monte City, Bulacan 3024

5 . Gateway Rural Bank, Inc. McArthur Highway, Wawa, Balagtas, 3016 Bulacan

Nueva Vizcaya

Quirino

REGION III - CENTRAL LUZON

Aurora

Bataan

Bulacan


III. 6



6 . Liberty Bank (A Rural Bank), Inc. McArthur Highway corner Contreras St., Calvario, Meycauayan,

3020 Bulacan

7 . Meycauayan Second Rural Bank, Inc. Mac Arthur Highway, Calvario, Meycauayan, 3020 Bulacan

8 . Rural Bank of Angat (Bulacan), Inc. M.A. Fernando St., San Roque, Angat, Bulacan

9 . Rural Bank of Bustos, Inc. National H-way, B. Manor, Bustos, Bulacan

10 . Rural Bank of Doña Remedios Trinidad (Bulacan), Inc. 9001 Luciano St., Pulong Sampaloc, Doña Remedios Trinidad,

Bulacan 3009

11 . Rural Bank of Malolos, Inc. Pariancillo St., Sto. Niño, City of Malolos, Bulacan 3000

12 . Rural Bank of Pandi (Bulacan), Inc. J.P. Rizal St., Poblacion, Pandi, Bulacan

13 . Rural Bank of Plaridel, Inc. Gov. Padilla St., Banga 1st, Plaridel, Bulacan 3004

14 . Rural Bank of San Rafael (Bulacan), Inc. Cruz na Daan, San Rafael, Bulacan

15 . Silahis Bank, Inc. (A Rural Bank) 452 Mc. Arthur Highway, Balagtas, 3016 Bulacan

16 . Sta. Maria Rural Bank, Inc. Sta. Maria, Bulacan

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

2 . Banco Rural de General Tinio (BRGT), Inc. PCL-311, Bonifacio St., Brgy. Poblacion Central, General Tinio,

Nueva Ecija

3 . Citizen's Rural Bank (Cabiao), Inc. San Juan North, Cabiao, Nueva Ecija 3107

4 . Cuyapo Rural Bank, Inc. No. 2 Quezon Ave. St., Brgy. Poblacion, Cuyapo, 3117 Nueva

Ecija

5 . GM Bank of Luzon, Inc. (A Rural Bank) GM Bank Corporate Office Building, Maharlika Highway, Brgy.

Dimasalang, Cabanatuan City, 3100 Nueva Ecija

6 . Key Rural Bank, Inc. Poblacion, San Antonio, 3108 Nueva Ecija

7 . Masagana Rural Bank, (Gen. Natividad, N.E.), Inc. Purok Caballero Poblacion, General Mamerto Natividad, 3125

Nueva Ecija

8 . New Covenant Bank, Inc. (A Rural Bank) SMQ Bldg., Maharlika Highway, Dimasalang, Cabanatuan City

3100

9 . New Rural Bank of San Leonardo (Nueva Ecija), Inc. New Rural Bank of San leonardo, Inc. Building, Barangay

Diversion, Maharlika Highway, San leonardo, Nueva Ecija

10 . ProFarmers Rural Banking Corporation Mata St., Poblacion East, Lupao, Nueva Ecija 3122

11 . Rural Bank of Jaen, Inc. Jaen, Nueva Ecija

12 . Rural Bank of Quezon (N. E.), Inc. T. Joson Ave., Dulong Bayan, Quezon, Nueva Ecija 3113

13 . Rural Bank of Sto. Domingo (Nueva Ecija), Inc. D. Noriel St., Hulo, Sto. Domingo, Nueva Ecija

14 . Rural Bank of Talugtug (N. E.), Inc. Poblacion, Talugtug 3118 Nueva Ecija

15 . Towncall Rural Bank, Inc. G/F Towncall, Maharlika Highway, Dicarma, Cabanatuan City

1 . Bangko Nuestra Senora Del Pilar, Inc. (A Rural Bank) 678 McArthur H-way, San Simon, Pampanga

2 . BOF, Inc. (A Rural Bank) McArthur Highway, Dolores, City of San Fernando, 2000

Pampanga

3 . Crown Bank, Inc. (A Rural Bank) Mac Arthur Highway, San Vicente, Apalit, 2016 Pampanga

4 . Guagua Rural Bank, Inc. Plaza Burgos, Guagua, 2003 Pampanga

5 . Guagua Savers Bank (A Rural Bank), Inc. 503 Clemente Puno St., Sto. Cristo, Guagua, 2003 Pampanga

6 . Masantol Rural Bank, Inc. Masantol, Pampanga

7 . Rural Bank of Angeles, Inc. 1229 Sto. Entierro St., Angeles City, Pampanga

8 . Rural Bank of Apalit, Inc. RBA Bldg., Along Mac Arthur Highway, Brgy. San Vicente, Apalit,

Pampanga 2016

9 . Rural Bank of Mabalacat, Inc. 107 Mac-Arthur Highway, Dau, Mabalacat, 2010 Pampanga

Nueva Ecija

Pampanga


III. 7



10 . Rural Bank of Mexico, Inc. Poblacion, Parian, Mexico, Pampanga

11 . Rural Bank of Porac (Pampanga), Inc. Sto. Rosario St. cor. Flora Ave., Angeles City, Pampanga

12 . Rural Bank of San Luis (Pampanga), Inc. Barangay Santo Cristo, Guagua, Pampanga

13 . Rural Bank of Sasmuan (Pampanga), Incorporated San Nicolas II, Sasmuan, 2004 Pampanga

14 . San Bartolome Rural Bank, Inc. San Pedro I, Magalang, Pampanga

15 . San Fernando Rural Bank, Inc. GF Safer Bldg. Consunji St., Barangay Sto. Rosario, San Fernando

City, Pampanga

16 . Saviour Rural Bank, Inc. Olongapo Highway corner Osmeña Street, Sta. Cruz, Lubao,

Pampanga

17 . Second Rural Bank of San Luis, Pampanga, Inc. San Luis, Pampanga

1 . Advantage Bank Corp. (A Microfinance-Oriented Rural

Bank)

Stop Over Commercial Complex, Mac Arthur Highway

(Namkwang Road) corner Gerona-Pura Road, Brgy. Abagon,

Gerona, Tarlac2 . Camiling Rural Bank, Inc. Camiling Rural Bank Building, Romulo Highway Quezon Avenue,

Poblacion C, Camiling 2306 Tarlac

3 . Rural Bank of La Paz, Inc. J. Catalan St. Corner Burgos St., San Isidro, La Paz, Tarlac

4 . Rural Bank of Pura, Inc. Poblacion 3, Pura, Tarlac

5 . Rural Bank of Sta. Ignacia, Inc. Poblacion East, Sta. Ignacia, Tarlac

6 . Rural Bank of Sta. Rosa De Lima (Paniqui, Tarlac), Inc. #7 Burgos St., Poblacion Sur, Paniqui, Tarlac

7 . Rural Bank of Victoria, Inc. Victoria, Tarlac

8 . St. Michael Rural Bank of Tarlac (Tarlac), Inc. G/F Herminia Bldg., Espinosa St. cor. Rizal St., Block 2, Sto. Cristo,

Tarlac City, Tarlac

1 . Banko Zambaleño Inc., (BZI) (A Rural Bank) Candelaria, Zambales

2 . Bridgeway Rural Banking Corporation Botolan Agora Complex, Batonlapoc, Botolan, Zambales 2202

3 . Community Rural Bank of San Felipe (Zambales), Inc. National Highway, West Feria, San Felipe, Zambales

4 . Cooperative Bank of Zambales Rizal Ave. corner Gomez St. Zone II, Iba, Zambales 2201

5 . Countryside Rural Bank of Palauig (Zambales), Inc. National Highway, Barangay West Poblacion, Palauig, Zambales

6 . Maharlika Rural Bank, Inc. National Road, Poblacion North, Sta. Cruz, 2213 Zambales

7 . Rural Bank of Cabangan (Zambales), Inc. Barangay San Antonio, Cabangan, Zambales

8 . Rural Bank of San Marcelino, Inc. Agpalo St., Central, San Marcelino, Zambales

9 . Rural Bank of San Narciso, Inc. Fontimayor St., Bgy. Libertad, San Narciso, Zambales

10 . Zambales Rural Bank, Inc. #6, 20th St., East Bajac-Bajac, Olongapo City

1 . 5 Speed Rural Bank, Inc. J. P. Rizal St., Poblacion, Padre Garcia, Batangas

2 . Batangas Rural Bank for Coop., Inc. Pastor Ave., New Public Market, Cuta, Batangas City

3 . Bolbok Rural Bank, Inc. Mojica Street, Poblacion, San Juan, Batangas

4 . Caritas Banco Ng Masa, Inc. (A Microfinance Oriented

Rural Bank)

Easy Mart Compound, Calatagan, Batangas

5 . Classic Rural Bank, Inc. Evangelista St., Batangas City

6 . Empire Rural Bank, Inc. C.M. Recto Avenue, Barangay 4, Lipa City, 4217 Batangas

7 . FBC First Bank of Calaca, Inc. 137 Marasigan St., Poblacion 3, Calaca, 4212 Batangas

Tarlac

Zambales

REGION IV - A (CALABARZON)

Batangas


III. 8



8 . Limcoma Rural Bank, Inc. Makalintal Avenue, Poblacion 2, San Jose, Batangas 4227

9 . Lipa Bank, Inc. (A Rural Bank) 65 T.M. Kalaw St., Lipa City, Batangas 4217

10 . Malarayat Rural Bank, Inc. G.A. Solis St., Brgy. 11, Lipa City, 4217 Batangas

11 . Mt. Carmel Rural Bank, Inc. J. M. Kalaw St., Lipa City, Batangas

12 . New Rural Bank of Agoncillo, Inc. Alcantara St., Poblacion, Agoncillo, Batangas

13 . Progressive Rural Bank, Inc. Luta Del Norte, Malvar, 4233 Batangas

14 . Rural Bank of Alitagtag, Inc. Poblacion, Alitagtag, Batangas

15 . Rural Bank of Cuenca, Inc. Marasigan St., Barangay 2, Cuenca, Batangas

16 . Rural Bank of Lemery, Inc. Ilustre Avenue, Lemery, Batangas

17 . Rural Bank of Lipa City (Batangas), Inc. 113 J.P. Rizal St., Lipa City, Batangas

18 . Rural Bank of Padre Garcia, Inc. A. Mabini St., Poblacion, Padre Garcia, Batangas

19 . Rural Bank of San Luis (Batangas), Inc. R. Diokno St., Poblacion, San Luis, Batangas 4210

20 . Rural Bank of Taal, Inc. F. Agoncillo St., Taal, 4208 Batangas

21 . Rural Bank of Talisay (Batangas), Inc. 40 Gen. A. Laurel St., Poblacion 6, Talisay, Batangas 4220

22 . Summit Rural Bank of Lipa City, Inc. 50 B Morada Ave., Lipa City, Batangas

23 . Sunrise Rural Bank (Rosario, Batangas), Inc. Y. Zuño St., Rosario, Batangas

24 . Tiaong Rural Bank, Inc. 2497 Maharlika Highway, San Antonio, Sto. Tomas

Batangas 4234

25 . Utility Bank, Inc. (A Rural Bank) 30 J. P. Rizal St, Poblacion I, Bauan, Batangas

26 . Women's Rural Bank, Inc. Carandang Street, Poblacion, Rosario, Batangas

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

2 . Bangko Mabuhay (A Rural Bank), Inc. Bangko Mabuhay Building, A. Soriano Highway, Brgy. Daang

Amaya III, Tanza, 4108 Cavite

3 . Bangko Noveleta, Inc., A Rural Bank Poblacion, Noveleta, Cavite

4 . Cavite United Rural Bank, Corp. 636 Tanzang Luma III, Aguinaldo Highway, Imus, Cavite

5 . Cebuana Lhuillier Rural Bank, Inc. 160 Zapote Road, Barangay Zapote I, Bacoor, Cavite

6 . First Integrity Bank, Inc. (Rural Bank of Bailen) 1655 Real St., Brgy. Poblacion I, General E. Aguinaldo, Cavite

41247 . Imus Rural Bank, Inc. Cor. Col. M. Sapinoso St. & Capt. I Bella St., Poblacion 1C, City of

Imus, 4103 Cavite

8 . Masuwerte Rural Bank of Bacoor (Cavite), Inc. F. Giron Arcade, Aguinaldo Highway, Zapote 4, Bacoor, 4102

Cavite

9 . Own Bank, The Rural Bank of Cavite City, Inc. 505 P. Burgos Ave. cor. P. Julio st., Caridad, 4100 Cavite City

10 . Rural Bank of General Trias, Inc. Tejero, General Trias, Cavite

11 . Rural Bank of Maragondon, Inc. 022 Gen. E. Riego De Dios St., Poblacion 1B, Maragondon, Cavite

12 . Rural Bank of Naic, Inc. No. 16 Nazareno St., Bgy. Nazareno, Naic, Cavite

13 . Sto. Niño Rural Bank (Ternate, Cavite), Inc. H. Ventura st. 4111 Ternate, Cavite

1 . Banco De Calamba, Inc. (A Rural Bank) F. Mercado St., Calamba City, Laguna

2 . Banco Laguna, Inc. (A Rural Bank Since 1965) 32 Rizal St., Poblacion 2, Pagsanjan, 4008 Laguna

3 . Biñan Rural Bank, Inc. M. Manabat St., Brgy. San Antonio, Biñan, Laguna

4 . Card Bank, Inc. (A Microfinance - Oriented Rural Bank) 35 P. Burgos St. Corner M. Paulino St., San Pablo City, Laguna

5 . De La O Rural Bank, Inc. 010 San Jose St., Barangay San Jose, Pangil, 4018 Laguna

6 . Entrepreneur Rural Bank, Inc. 63 A. Mabini St., Barangay Poblacion, San Pedro, 4023 Laguna

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

Laguna

Cavite


III. 9



8 . Laguna Prestige Banking Corporation, (A Rural Bank) J.P. Rizal St. corner F. Limcaoco St., Barangay Uno, Cabuyao,

4026 Laguna

9 . Mount Makiling Rural Bank, Inc. Gate 1, YTMI Realty SEZ, Brgy. Makiling, Calamba City, 4027

Laguna10 . Ormon Bank (Rural Bank of Mulanay (Quezon), Inc.) Barangay Sto. Domingo, Bay, Laguna 4033

11 . Planbank "Rural Bank of Canlubang Planters, Inc." National Highway, Halang, Calamba City, 4027 Laguna

12 . Provident Rural Bank of Sta. Cruz (Laguna), Inc. Quezon Avenue, Calios, Sta. Cruz, 4004 Laguna

13 . Rizal Bank, Inc. A Microfinance-Oriented Rural Bank Aguirre St. Corner Pedro Guevarra Avenue, Sta. Cruz, Laguna

400914 . Rural Bank of Bay, Inc. Rizal Avenue, San Nicolas, Bay, Laguna

15 . Rural Bank of Calauan, Inc. Rizal Ave., Calauan, Laguna

16 . Rural Bank of Cavinti (Laguna), Inc. Cavinti, Laguna

17 . Rural Bank of Luisiana (Laguna), Inc. Luisiana, Laguna

18 . Rural Bank of Lumban (Laguna), Inc. National Highway, Brgy. Lewin, Lumban, Laguna

19 . Rural Bank of Mabitac (Laguna), Inc. J.P. Rizal St., Barangay Sinagtala, Mabitac, Laguna

20 . Rural Bank of Magdalena (Laguna), Inc. 10 E. Jacinto St., Poblacion, Magdalena, Laguna

21 . Rural Bank of Marilag (Sta. Maria, Laguna), Inc. 106 Real Velasquez St., Barangay IV, Sta. Maria, Laguna

22 . Rural Bank of Paete, Inc. Rizal cor. Quesada St., Paete, Laguna

23 . Rural Bank of Pangil (Laguna), Inc. Barangay Balian, Pangil, Laguna

24 . Rural Bank of Rizal (Laguna), Inc. Rizal Avenue, Brgy. West Poblacion, Rizal, Laguna

25 . Rural Bank of San Lorenzo Ruiz (Siniloan), Inc. P. Burgos, Siniloan, Laguna

26 . Rural Bank of Seven Lakes (San Pablo City), Inc. 102 M. Paulino St., San Pablo City, Laguna

27 . Rural Bank of Sta. Rosa (Laguna), Inc. F. Gomez St., Malusak, Sta. Rosa City, Laguna

28 . Turumba Rural Bank of Pakil, Inc. 36 Tavera Street, Pakil, Laguna

29 . Unilink Bank, Inc. (A Rural Bank) Km. 39 Nat'l. H-way, Balibago, Sta. Rosa, Laguna

1 . Cooperative Bank of Quezon Province Granja cor. L. Guinto Sts., Lucena City, Quezon

2 . Grand-Agri Rural Bank No. 23 Juarez Corner Bonifacio Sts., Barangay V, Lucena City,

4301 Quezon

3 . Mega Rural Bank (Lucena City), Inc. 175 C.M. Recto St., Brgy. IX, Lucena City

4 . Quezon Capital Rural Bank, Inc. Perez cor C.M. Recto, Lucena City

5 . Rural Bank of Atimonan, Inc. 111 Quezon St., Atimonan, Quezon 4331

6 . Rural Bank of Candelaria, Inc. Cabuñag St. Corner Bustamante St., Candelaria, 4323 Quezon

7 . Rural Bank of Dolores (Quezon), Inc. 05 Cauyan St., Brgy. Silangan, Dolores, Quezon 4326

8 . Rural Bank of General Luna (Quezon), Inc. Ester St., Poblacion, General Luna, Quezon

9 . Rural Bank of Infanta, Inc. Corner Velasco & Mabini Streets, Infanta, Quezon

10 . Rural Bank of Lucban (Quezon), Inc. 103 Rizal Avenue, Barangay 8, Lucban, Quezon

11 . Rural Bank of Mauban, Inc. Quezon St., Mauban, Quezon

12 . Rural Bank of Pagbilao, Inc. C.M. Recto St., Barangay Mapagong, Pagbilao, Quezon

13 . Rural Bank of Sampaloc (Quezon), Inc. Quezon Avenue Corner Tumagay St., Sampaloc, Quezon

14 . Rural Bank San Antonio, Inc. J. C. Wagan Avenue, Poblacion, San Antonio, Quezon

15 . United People's Rural Bank, Inc. Salazar Street, Candelaria, Quezon

16 . Universal Rural Bank of Lopez (Quezon), Inc. San Francisco Street, Brgy. Talolong, Lopez, Quezon

1 . Binangonan Rural Bank, Inc. 135 Baltazar St., Layunan, Binangonan, Rizal

2 . Filidian Rural Bank of Antipolo Inc. #6 Sen. Lorenzo Sumulong Memorial Circle, Brgy. Dalig, Antipolo,

1870 Rizal

3 . Innovative Rural Bank, Inc. (A Rural Bank) F. Martinez St., Barangay Takungan, Pililla, Rizal

Quezon

Rizal


III. 10



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

5 . Rural Bank of Antipolo, Inc. 53 J. Sumulong St., Brgy. San Roque, Antipolo City 1870 Rizal

6 . Rural Bank of Cardona (Rizal), Inc. 1508 Quirino Blvd. Cardona, Rizal 1950

7 . Rural Bank of Montalban, Inc. J.P. Rizal Ave., Manggahan Rodriguez, Montalban, Rizal

1 . Occidental Mindoro Cooperative Bank (OMCB) 615 Lapu-Lapu St., San Jose, Occidental Mindoro

2 . Occidental Mindoro Rural Bank, Inc. Lubang, Occidental Mindoro

3 . Tamaraw Rural Bank, Inc. M.H. Del Pilar cor. Magsaysay Sts., San Jose, Occidental Mindoro

1 . Banco de Mindoro, Inc. (A Rural Bank) M. Adriatico Corner Paras St., Barangay Ibaba East, Calapan

City, Oriental Mindoro

2 . Bangko Rural ng San Teodoro, Inc. VCBG Building Poblacion, San Teodoro, Oriental Mindoro

3 . First Mindoro Microfinance Rural Bank, Inc. First Microbank Building, JP Rizal St., Poblacion, Bongabong, 5211

Oriental Mindoro

4 . Oriental Tamaraw Rural Bank of Naujan, (Or. Mdo.), Inc. Barangay Barcenaga, Naujan, 5204 Oriental Mindoro

5 . Rural Bank of Baco (Oriental Mindoro), Inc. Poblacion Baco, Oriental Mindoro

6 . Rural Bank of Bansud (Oriental Mindoro), Inc. Unno Semilla St., Poblacion, Bansud, Oriental Mindoro

7 . Rural Bank of Gloria (Or. Min.), Inc. Poblacion Gloria, Oriental Mindoro

8 . Rural Bank of Pinamalayan, Inc. Malvar St., Zone II, Pinamalayan, Oriental Mindoro

9 . Rural Bank of Pola (Oriental Mindoro), Inc. Batuhan, Pola, Oriental Mindoro

10 . Rural Bank of Puerto Galera (Oriental Mindoro), Inc. Poblacion Puerto Galera, Oriental Mindoro 5203

11 . Rural Bank of Roxas (Oriental Mindoro), Inc. Magsaysay St., Barangay Bagumbayan, Roxas, Oriental Mindoro

12 . Rural Bank of Socorro (Oriental Mindoro), Inc. Zone II, Socorro, Oriental Mindoro 5207

13 . The Country Bank Rural Bank of Bongabong Or. Mindoro,

Inc.

Poblacion Bongabong, Oriental Mindoro

1 . Cooperative Bank of Palawan CBP Bldg. Junction I, National Highway, Brgy. San Miguel, Puerto

Princesa City, Palawan

2 . Rural Bank of Brooke'S Point (Palawan), Inc. Rodriguez St. , Poblacion District II, Brookes Point, Palawan

3 . Rural Bank of Cuyo (Palawan), Inc. Mendoza St., Barangay Bancal, Cuyo, Palawan

1 . Community Rural Bank of Romblon (Romblon), Inc. Bagong Lipunan, Bry. 1, Romblon, Romblon

2 . Manor Bank - A Rural Bank Corp. General Luna St. Corner Zamora St., Barangay Liwanag,

Odiongan, 5505 Romblon

3 . Rural Bank of Santa Fe (Romblon), Inc. Poblacion, Sta. Fe, Tablas Island, Romblon

REGION MIMAROPA

Occidental Mindoro

Oriental Mindoro

Palawan

Romblon


III. 11



1 . Banco Santiago De Libon, Inc. San Francisco St., Libon, Albay

2 . Cagsawa Rural Bank, Inc. T. Perez Street, Daraga, Albay

3 . Camalig Bank, Inc. (A Rural Bank) Rizal Street, Ilawod East, 4500 Legazpi City, Albay

4 . Rural Bank of Guinobatan, Inc. JMH Building, Mabini St., Barangay Poblacion, Guinobatan,

Albay

1 . Banco San Vicente, Inc. (A Rural Bank) San Vicente, Camarines Norte

2 . Rural Bank of Capalonga (Camarines Norte),Inc. J.P. Rizal St., Poblacion, Capalonga, Camarines Norte

3 . Rural Bank of Jose Panganiban (Camarines Norte), Inc. Roy Padilla Blvd., South Poblacion, Jose Panganiban

Camarines Norte

4 . Rural Bank of Paracale (Camarines Norte), Incorporated San Antonio St., Poblacion Norte, Paracale

Camarines Norte 4605

5 . Rural Bank of Sta. Elena (Camarines Norte), Inc. Poblacion, Sta. Elena, Camarines Norte

1 . Bangko Rural ng Magarao (Camarines Sur), Inc. San Pantaleon, Magarao, Camarines Sur

2 . Bangko Rural Ng Pasacao (Cam. Sur), Inc. Sta. Rosa Del Sur, Pasacao, Camarines Sur

3 . First Naga Rural Bank, Inc. Door 1 Ground Floor, DECA Corporate Center, Panganiban Drive,

Brgy. Tinago, Naga City, 4400 Camarines Sur

4 . Municipal Rural Bank of Libmanan (Cam. Sur), Inc. Poblacion, Libmanan, Camarines Sur 4407

5 . Municipal Rural Bank of Nabua (Camarines Sur), Inc. San Francisco, Nabua, Camarines Sur 4434

6 . Rural Bank of Pamplona (Camarines Sur), Inc. Maharlika Highway, Tambo, Pamplona, Camarines Sur

7 . Rural Bank of San Fernando (Camarines Sur), Inc. Bonifacio, San Fernando, Camarines Sur

8 . Rural Bank of San Jose (Camarines Sur), Inc. Mendoza St., San Antonio, San Jose, Camarines Sur 4423

9 . Rural Bank of Sipocot (Camarines Sur), Inc. San Juan Avenue, Sipocot, Camarines Sur

10 . Rural Bank of Tigaon Camarines Sur, Inc. Poblacion, Tigaon, Camarines Sur

11 . Southeast Country Bank, Inc. ( A Rural Bank) 04 Sto. Domingo, Camaligan, Camarines Sur

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

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

1 . Rural Bank of Donsol (Sorsogon), Inc. Clemente St., Marketsite, Donsol, 4715 Sorsogon

2 . Rural Bank of Irosin, Inc. M. L. Quezon St., Barangay San Julian, Irosin, Sorsogon

3 . Rural Bank of Pilar (Sorsogon), Inc.RB Pilar Bldg., Milleza St., Brgy. Dao, Poblacion, Pilar, Sorsogon

4714

REGION V - BICOL

Albay

Camarines Norte

Camarines Sur

Catanduanes

Masbate

Sorsogon


III. 12



1 . Rural Bank of Altavas (Aklan), Inc. General Luna St., Barangay Poblacion, Altavas, Aklan

2 . Rural Bank of Banga (Aklan), Inc. 0044 Rosal St., Poblacion, Banga, Aklan

3 . Rural Bank of Ibajay, Inc. 2F Ibajay Public Market, National Highway, Poblacion

Ibajay, Aklan

4 . Rural Bank of Makato (Aklan), Inc. Mayor Paterio Tirol St., Poblacion, Makato, Aklan

5 . Rural Bank of New Washington (Aklan), Inc. Venus Ave., Poblacion, New Washington, Aklan

1 . Rural Bank of Bugasong (Antique), Incorporated Bonifacio St., Pojo, Bugasong, Antique 5704

2 . Rural Bank of Sibalom (Antique), Inc. Veñegas St., Sibalom, Antique

3 . Rural Bank of Tibiao (Antique), Inc. Gov. A.T. Lim Avenue, Poblacion, Tibiao, Antique 5707

1 . Farm Bank, Inc. (A Rural Bank) Teodoro Arcenas Trade Center, Plaridel St., Barangay 8, Roxas

City, 5800 Capiz

2 . Rural Bank of Cuartero (Capiz), Inc. Cuartero, Capiz

3 . Rural Bank of Jamindan (Capiz), Inc. Jamindan, Capiz

4 . Rural Bank of Mambusao, Inc. Bonifacio Street, Brgy. Poblacion Proper, Mambusao, 5807 Capiz

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

1 . Anilao Bank (Rural Bank of Anilao (Iloilo), Inc. T. Magbanua St., Pototan, Iloilo

2 . Bangko Buena Consolidated, Inc. (A Rural Bank) 23 Valeria & Rizal Sts., Iloilo City

3 . First Midland Rural Bank, Inc. FMRBI Bldg., Dessa, New Lucena, Iloilo

4 . Janiuay Rural Bank, Inc. Crispin Salazar St., Janiuay, Iloilo 5034

5 . LifeBank- A Rural Bank Bypass Road, Barangay Duyan-Duyan, Sta. Barbara, 5002 Iloilo

6 . Opportunity Kauswagan Bank, Inc. (A Microfinance Rural

Bank)

Unit 2, A & L Bldg., E. Lopez St., Jaro, Iloilo City, 5000

7 . Progressive Bank, Inc. (Progressive A Rural Bank Inc) Del Rosario St., Balasan, Iloilo 5018

8 . Racso's Bank, Inc. (A Rural Bank) Rizal-Tuguisan, Guimbal, Iloilo 5022

9 . RBG Imperial Bank, Inc. (A Rural Bank) Tiu quioco Building, Yulo Street, Iloilo City 5000

10 . Rural Bank of Alimodian (Iloilo), Inc. Almacen St., Alimodian, Iloilo 5028

11 . Rural Bank of Barotac Nuevo, Inc. L. Araneta St., Barotac Nuevo, Iloilo

12 . Rural Bank of Cabatuan (Iloilo), Inc. Corner Magallon-Rizal Ilawod Sts., Cabatuan, Iloilo 5031

13 . Rural Bank of Calinog (Iloilo), Inc. Aguinaldo St., Poblacion Ilaya, Calinog, Iloilo

14 . Rural Bank of Dumangas, Inc. Cor. Burgos-JM Basa Sts., Dumangas, Iloilo

REGION VI - WESTERN VISAYAS

Aklan

Antique

Capiz

Guimaras

Iloilo


III. 13



15 . Rural Bank of Iloilo City, Inc. Luna St., La Paz, Iloilo City

16 . Rural Bank of Leganes (Iloilo), Inc. Quintin Salas St., Poblacion, Leganes, Iloilo

17 . Rural Bank of Miagao (Iloilo), Inc. Noble St., Miagao, Iloilo

18 . Rural Bank of Oton (Iloilo), Inc. Mabini St., Oton, Iloilo 5020

19 . Rural Bank of Pavia (Iloilo), Inc. Cor. Hendriana-Sumakwel Sts., Brgy. Purok III, Pavia, Iloilo

20 . Rural Bank of Pototan, Inc. T. Magbanua Street, Pototan Iloilo, 5008

21 . Rural Bank of San Miguel (Iloilo), Inc. R.V. Sanchez Street, San Miguel, Iloilo

22 . Rural Bank of Sta. Barbara (Iloilo), Inc. Roosevelt St., Sta. Barbara, Iloilo

23 . Rural Bank of Tigbauan (Iloilo), Inc. Tigbauan, Iloilo

24 . Rural Bank of Zarraga (Iloilo), Inc. Zamora St., Poblacion, Zarraga, Iloilo

25 . Valiant Bank, Inc. (A Rural Bank) 41-A Mabini St., Iloilo City

1 . Dungganon Bank (A Microfinance Rural Bank), Inc. G/F NWTF Bldg., 102 San Sebastian-Verbena Streets, Bacolod

City, 6100 Negros Occidental

2 . First Community Bank, Inc. (A Rural Bank) G/F Villasor-Villanueva Bldg., No. 59 Locsin Street, Barangay 37,

Bacolod City, 6100 Negros Occidental

3 . First State Rural Bank, Inc. Go Brother's Building, Lopez Jaena Cor. Sta. Ana Sts., Brgy. 31,

Bacolod City, 6100 Negros Occidental

4 . Marayo Bank, Inc. (A Rural Bank) Cortez St., Brgy. I, Pontevedra, 6105 Negros Occidental

5 . Negros Cooperative Bank North Capitol Road, Bacolod City, 6100 Negros Occidental

6 . Rural Bank of Bacolod City, Inc. 74-76 Narra Avenue, CSC, Barangay Villamonte, Bacolod City,

Negros Occidental

7 . Rural Bank of Cadiz, Inc. Stall No. 2 & 3, Commercial Complex Bldg., Cabahug St., Brgy.

Zone 4, Cadiz City, Negros Occidental 6121

8 . Rural Bank of Escalante (Negros Occ.), Inc. South Avenue, Barangay Balintawak, Escalante City, Negros

Occidental 6124

9 . Rural Bank of Ilog (Negros Occidental), Inc. Dancalan, Ilog, Negros Occidental

10 . Rural Bank of Manapla (Neg. Occ.), Inc. Rural Bank of Manapla, Inc. Building, B. Gallo St., Brgy. 1-A,

Manapla, Negros Occidental

11 . Rural Bank of Sagay, Inc. National Highway, Poblacion II, Sagay, Negros Occidental

12 . Rural Bank of Silay City, Inc. Eusebio Street Corner G. Gamboa Street, Brgy. 3, Silay City,

Negros Occidental

13 . Talisay Rural Bank, Inc. Mabini-Bonifacio Sts., Brgy. Zone 4A, Talisay City, Negros

Occidental

1 . Cooperative Bank of Bohol 0126 C.P.G. East Avenue, Brgy. Poblacion 1, Tagbilaran City 6300

2 . Rural Bank of Loboc, Inc. Poblacion, Loboc, Bohol

3 . Rural Bank of Loon (Bohol), Inc. Across Loon Municipal Bldg., National Highway, Cogon Norte,

Loon, 6327 Bohol

1 . Aspac Rural Bank, Inc. Mc Briones Highway Corner Gen Ricarte Street, Guizo Mandaue

City, Cebu

2 . Banco Maximo, Inc. (A Rural Bank) E.S. Binghay St., Baliwagan, Balamban, 6041 Cebu

3 . Banco Rural De Isla Cordova (Cebu), Inc. San Miguel, Cordova, 6017 Cebu

4 . Bankways, Inc. (A Rural Bank) Banilad, Cebu City

5 . Community Rural Bank of Catmon (Cebu), Inc. 684 National Road, Corazon, Catmon, Cebu

6 . Community Rural Bank of Medellin (Cebu), Inc. Jose Rizal St., Poblacion, Medellin, Cebu City

Negros Occidental

REGION VII - CENTRAL VISAYAS

Bohol

Cebu


III. 14



7 . Cooperative Bank of Cebu M. Velez Street, Guadalupe, Cebu City 6000

8 . First Agro-Industrial Rural Bank, Inc. (FairBank) Dela Viña cor. J. Lequin Sts., Gairan, Bogo City, 6010 Cebu

9 . Frontier Rural Bank, Inc. M. Rizon Bldg. Punta Rizal St., Lapu-Lapu City, 6015 Cebu

10 . Mactan Rural Bank (Lapu-Lapu City), Inc. MYFC Bldg., M. Patalinghug Ave., Pajo, Lapu-Lapu City

11 . National Teachers & Employees Cooperative Bank Cor. M. J. Cuenco and Juan Luna Avenues, Mabolo, Cebu City

600012 . Philippine SME Bank, Inc., A Rural Bank OCS Bldg., M. L. Quezon St., Cabancalan, Mandaue City, Cebu

13 . RNG Coastal Bank, Inc. (A Rural Bank) Talamban Mart, Cabancalan Road, Talamban, Cebu City

14 . Rural Bank of Barili (Cebu), Inc. Poblacion, Barili, Cebu

15 . Rural Bank of Bogo (Cebu), Inc. P. Rodriguez St., Cogon, Bogo, Cebu

16 . Rural Bank of Madridejos (Cebu), Inc. Poblacion, Madridejos, Cebu

17 . Rural Bank of Mandaue, Inc. A. Del Rosario St., Centro Mandaue City

18 . Rural Bank of Oslob (Cebu), Inc. N. Bacalso St. cor M.J. Cuenco St., Poblacion, Oslob 6025, Cebu

19 . Rural Bank of Ronda, Inc. Purok 4, Centro Poblacion, Ronda, Cebu 6034

20 . Rural Bank of Talisay (Cebu), Inc. Tabunoc, Talisay, Cebu

21 . Sugbuanon Rural Bank, Inc. Dr. Ramon Arcenas Bldg., Osmena Blvd., Kamagayan, Cebu City

22 . Upland Rural Bank of Dalaguete (Cebu), Inc. Legaspi St., Poblacion, Dalaguete, 6022 Cebu

1 . Cooperative Bank of Negros Oriental CBNO Bldg., Libertad St., Dumaguete City

2 . Dumaguete Rural Bank, Inc. San Jose St., Poblacion 6, Dumaguete City, 6200 Negros Oriental

3 . Rural Bank of Amlan (Negros Oriental), Inc. North National Highway Corner Mabini St., Poblacion, Amlan,

Negros Oriental

4 . Rural Bank of Bacong (Negros Oriental), Inc. Corner Hibbard Avenue and Amigo Subdivision, Dumaguete City

6200, Negros Oriental

5 . Rural Bank of Guihulngan (Negros Oriental), Inc. Sikatuna St., Poblacion, Guihulngan, Negros Oriental

6 . Rural Bank of Pamplona (Negros Oriental), Inc. Poblacion, Pamplona, Negros Oriental 6205

7 . Rural Bank of Sta. Catalina, Negros Oriental, Inc. Barangay Caranoche, Sta. Catalina, Negros Oriental

8 . Rural Bank of Tanjay, Inc. Magallanes St., Barangay II, Tanjay, Negros Oriental

9 . SG BANK - A RURAL BANK INC. Real St., Dumaguete City 6200, Negros Oriental

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

1 . Far Eastern Bank (A Rural Bank) Inc. Brgy. 7 Market Site, Dolores, 6817 Eastern Samar

2 . Rural Bank of Guiuan (Eastern Samar), Inc. Sta. Cruz St., Guiuan, Eastern Samar

1 . Bank of Ormoc, Inc. (A Rural Bank) Mabini St., Ormoc City, Leyte

2 . Rural Bank of Bato (Leyte), Inc. 482 Juan Luna St., Barangay Kalanggaman District, Bato, Leyte

3 . Rural Bank of Dulag (Leyte), Inc. Kempis St., Brgy. Market Site, Dulag, Leyte 6505

4 . Rural Bank of Hilongos,Inc. R.V. Villaflores St., Hilongos 6524 Leyte

5 . Rural Bank of Hindang (Leyte), Inc. 1082 J.P. Rizal Street, Poblacion 1, Hindang, Leyte 6523

6 . Rural Bank of Mahaplag (Leyte), Inc. Trasmonte St., Poblacion, Mahaplag, Leyte 6512

7 . Rural Bank of Matag-ob (Leyte), Inc. McArthur St., Matag-ob, 6532 Leyte

Siquijor

REGION VIII - EASTERN VISAYAS

Eastern Samar

Leyte

Negros Oriental


III. 15



1 . Rural Bank of Basey (Samar), Inc. Serafin Marabut St., Brgy Loyo, Basey, Samar

2 . Rural Bank of Calbayog City, Inc. 82 T. Bugallon St., Calbayog City, Western Samar 6710

3 . Rural Bank of Gandara (Samar), Inc. San Miguel St., Gandara, Western Samar

1 . Rural Bank of Hinundayan (Southern Leyte), Inc. Rizal St., District III, Hinundayan, Southern Leyte

2 . Rural Bank of Maasin (So. Leyte), Inc. Barangay Tunga-Tunga, Maasin, Southern Leyte

3 . Rural Bank of Malitbog (Southern Leyte), Inc. Poblacion, Malitbog, Southern Leyte

4 . Rural Bank of San Juan (Southern Leyte), Inc. Poblacion, San Juan, Southern Leyte

1 . Banco Dipolog, Inc. A Rural Bank 083 Rizal Ave. Cor. Calibo St., Dipolog City, 7100 Zamboanga Del

Norte2 . Community Rural Bank of Dapitan City, Incorporated Andres Bonifacio St., Dapitan City 7101 Zamboanga del Norte

3 . Katipunan Bank Inc. A Rural Bank Quezon Avenue, cor. Aguilar St., Miputak, Dipolog City, 7100

Zamboanga del Norte

4 . Rural Bank of Labason (Zamboanga Del Norte),

Incorporated

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), Inc. RBR Tower, Rizal Avenue Cor. Gonzales St., Dipolog City,

Zamboanga del Norte

8 . Rural Bank of Salug (Zamboanga Del Norte), Inc. Salug, Zamboanga del Norte

9 . Zamboanga Del Norte Cooperative Bank Quezon Avenue, Barangay Miputak, Dipolog City, Zamboanga

Del Norte

1 . Banco Cooperativa De Zamboanga MCLL Highway corner Veterans Avenue, Sta. Cruz, Zamboanga

City2 . Rural Bank of Pagadian, Inc. Ballesteros Bldg. Gov. V. Cerilles St., Barangay San Francisco,

Pagadian, Zamboanga Del Sur

3 . Rural Bank of Siocon (Zamboanga Del Norte), Inc. RBS Building, MCLL Highway, Guiwan, Zamboanga City

4 . Salug Valley Rural Bank, Inc. 1st Floor Carisil Bldg., MabiniI St., Barangay Maloloy-on, Molave,

Zamboanga Del Sur

5 . Zamboanga City Rural Bank, Inc. NZUEI Bldg. La Purisima St. Corner Tomas Claudio St., Zamboanga

City

1 . Bukidnon Bank, Inc. (A Rural Bank) Poblacion, Kalilangan, Bukidnon

2 . D' Asian Hills Bank, Inc. (A Rural Bank) 2/F DAHBI Centre, Fortich St., Malaybalay City, 8700 Bukidnon

3 . Malaybalay Rural Bank, Inc. Judge P. Murillo St., 8700 Malaybalay City , Bukidnon

4 . Rural Bank of Kibawe (Bukidnon), Inc. Kibawe, Bukidnon

5 . Rural Bank of Manolo Fortich, Bukidnon, Inc. Poblacion, Sayre Highway, Manolo Fortich, 8703 Bukidnon

Southern Leyte

Western Samar

REGION X - NORTHERN MINDANAO

REGION IX - ZAMBOANGA PENINSULA

Zamboanga del Norte

Zamboanga del Sur

Bukidnon


III. 16



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

2 . Rural Bank of Maigo (Lanao Del Norte), Incorporated Maigo, Lanao del Norte

1 . Bank of Hope, Inc. (A Rural Bank) Purok 5, Looc Proper, Plaridel, Misamis Occidental 7209

2 . Misamis Bank, Inc. A Rural Bank National Highway, Sebac, Tudela 7202 Misamis Occidental

3 . Panguil Bay Rural Bank of Ozamiz, Inc. Ozamis City, Misamis Occidental

4 . Rural Bank of Bonifacio (Misamis Occidental), Inc. Bonifacio, Misamis Occidental

5 . Rural Bank of Jimenez (Misamis Occidental), Inc. Rizal Street, Jimenez 7204 Misamis Occidental

6 . Rural Bank of Lopez Jaena (Misamis Occidental), Inc. Eastern Poblacion, Lopez Jaena, Misamis Occidental

7 . Rural Bank of Pana-On (Mis. Occ.), Inc. Poblacion, Pana-on, Misamis Occidental

8 . Rural Bank of Tangub City, (Mis. Occ.) Inc. Lorenzo Tan St., Barangay I, Tangub City, Misamis Occidental

1 . BINHI Rural Bank, Inc. (Formerly: Rural Bank of Balingasag

(Misamis Oriental), Inc.)

Poblacion, Balingasag, Misamis Oriental

2 . Mindanao Consolidated Cooperative Bank MCCB Bldg., Provincial Capitol Compound, 9000 Cagayan de

Oro City

3 . Naawan Community Rural Bank (Misamis Oriental), Inc. National Highway, Poblacion, Naawan, 9023 Misamis Oriental

4 . Palm Tree Bank, Inc. (A Rural Bank) Door #5 Global Agro Building, Kolambog, Lapasan Highway,

Cagayan de Oro City 9000

5 . RBT Bank, Inc., A Rural Bank Rizal St., Poblacion, Talisayan, 9012 Misamis Oriental

6 . Rural Bank of El Salvador (Misamis Oriental), Inc. Zone 1, Poblacion, El Salvador, Misamis Oriental 9017

7 . Rural Bank of Gingoog, Inc. Lupod-Guno Sts., Gingoog, 9014 Misamis Oriental

8 . Rural Bank of Gitagum (Misamis Oriental), Inc. Poblacion, Gitagum, Misamis Oriental

9 . Rural Bank of Initao (Misamis Oriental), Inc. Poblacion, Initao, 9022 Misamis Oriental

10 . Rural Bank of Medina (Misamis Oriental), Inc. Poblacion, Medina, Misamis Oriental

11 . Secured Bank, Inc. (A Rural Bank) Capt. Vicente Roa St., Cogon, Cagayan de Oro City

12 . South Bank (A Rural Bank), Incorporated Rodelsa Hall, R.N. Pelaez Blvd., Kauswagan, Cagayan de Oro

City

1 . Money Mall Rural Bank, Inc. 8807 Poblacion Mabini, Compostela Valley Province

2 . Rural Bank of Compostela (Davao Del Norte), Inc. J.P. Laurel St., Poblacion, Compostela, Compostela Valley

3 . Rural Bank of Nabunturan (Davao Del Norte), Inc. Purok-10, Echavez St., Poblacion, Nabunturan, Compostela

Valley

1 . Century Rural Bank, Inc. CRBI Building, Zone 1, Bgy. Villarica, Babak District, Island Garden

City of Samal, 8119 Davao del Norte

2 . First Tagum Rural Bank, Inc. Bonifacio cor. Rizal Sts., Tagum City, Davao del Norte 8100

3 . Rural Bank of Kapalong (Davao), Inc. 054 M. Quezon St., Maniki, Kapalong, Davao del Norte

Misamis Occidental

Davao del Norte

Lanao del Norte

Misamis Oriental

REGION XI - DAVAO REGION

Compostela Valley


III. 17



1 . Consolidated Cooperative Bank CBDS Building, Ramon Magsaysay Street Barangay Zone 3, Digos

City, Davao del Sur

2 . East West Rural Bank, Inc. 3rd and 4th floors, East West Bank Building, J. P. Laurel Avenue

Corner Iñigo Street, Bajada, Davao City 8000

3 . One Network Bank, Inc. (A Rural Bank) Km. 9 Sasa, Davao City 8000

4 . Rural Bank of Digos, Inc. 2964 Rizal Avenue, Barangay Zone III, Digos City, Davao Del Sur

1 . Baybank, Inc. (A Rural Bank) Baganga, Davao Oriental 8204

2 . Rural Bank of Mati, Inc. Mati, Davao Oriental 8200

1 . Cooperative Bank of Cotabato CBC Bldg. 1, Lanao, Kidapawan City, North Cotabato 9400

2 . Partner Rural Bank (Cotabato), Inc. J.P. Laurel St., Poblacion 2, Pigcawayan, 9412 North Cotabato

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

1 . Rural Bank of Alabel (Sarangani), Inc. Aldevinco St., Alabel, Sarangani 9501

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

Sarangani

1 . People's Rural Bank (Gen. Santos City), Inc. Plaza Nova, I.Santiago Blvd., Gen. Santos City, South Cotabato

2 . Rural Bank of Norala (S. Cotabato), Inc. Stall #351, Phase B, Public Market, Manuel Roxas Ave. Cor. Jose

Burgos St., Poblacion, Norala, South Cotabato

3 . Rural Bank of Polomolok (South Cotabato), Inc. National Highway, Brgy. Magsaysay, Polomolok, South Cotabato

1 . Rural Bank of Lebak (Sultan Kudarat), Incorporated Poblacion I, Lebak, Sultan Kudarat

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

9804 Sultan Kudarat

Davao del Sur

Davao Oriental

REGION XII - SOCCSKSARGEN

North Cotabato

Sarangani

South Cotabato

Sultan Kudarat


III. 18



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

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

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

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

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

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

1 . Bangko Carrascal, Inc. (A Rural Bank) Arreza cor Cervantes St Embarcadero, Carrascal

Surigao del Sur

2 . Cantilan Bank, Inc. (A Rural Bank) Orozco St., Magosilom, Cantilan, Surigao del Sur 8317

3 . Rural Bank of Lanuza (Surigao Del Sur), Incorporated Urbiztondo corner Arreza St., Magosilom, Cantilan, 8317 Surigao

del Sur

4 . Rural Bank of Tandag (Surigao Del Sur), Inc. National Highway, Bagong Lungsod, Tandag City

Surigao del Sur 8300

Maguindanao

CARAGA ADMINISTRATIVE REGION

ARMM - AUTONOMOUS REGION OF MUSLIM MINDANAO

Lanao del Sur

Agusan del Norte

Agusan del Sur

Dinagat Islands

Surigao del Norte

Surigao del Sur


III. 19

Table 2 Overseas Offices of Universal and Commercial Banks


Name of Bank Address Date

Opened

I. Branches (13)

Universal Banks

1 BDO UNIBANK INC -HONGKONG 1 WELLINGTON STREET CENTRAL HONGKONG 05-31-2007

2 METROPOLITAN BANK & TCO -NEW YORK 10 EAST 53RD ST NEW YORK NY 10022 11-20-1981

3 METROPOLITAN BANK & TCO -PUSAN CHORYANG 1DONG DONG-GU PUSAN KOREA 12-15-1999

4 METROPOLITAN BANK & TCO -SEOUL 120 5-KA NANDAEMUN-RO SEOUL KOREA 04-10-1997

5 METROPOLITAN BANK & TCO -TAIPEI TAIWAN 10690 REPUBLIC OF CHINA 09-30-1970

6 METROPOLITAN BANK & TCO -TOKYO 1-19-1 KANDA NISHIKI-CHO CHIYODA-KU 03-28-1996

7 PHIL NATIONAL BANK -BAHRAIN BAHRAIN TOWER MANAWA STREET OF BAHRAIN 02-09-2013

8 PHIL NATIONAL BANK -GUAM 1088 W MARINE CORPS DR DEDEDO GUAM 02-09-2013

9 PHIL NATIONAL BANK -HONGKONG 109-111 GLOUCESTER WANCHAI HONGKONG 12-02-1963

10 PHIL NATIONAL BANK -JAPAN MITA43MT MITA MINATO-KU TOKYO JAPAN 06-30-1996

11 PHIL NATIONAL BANK -LOS ANGELES 316 W 2nd

STREET 7F LOS ANGELES CALIFORNIA 04-16-1982

12 PHIL NATIONAL BANK -NEW YORK 561 SEVENTH AV 2F NEW YORK NY 10018 02-17-1917

13 PHIL NATIONAL BANK -SINGAPORE 304 ORCHARD ROAD LUCKY PLZA SINGAPORE 04-19-1968

II. Sub-Branches (1)

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

Representative Offices (16)

Universal Banks

1 BANK OF THE PHIL ISLANDS-DUBAI AL MANKHOOL RD AL HUDAIBA DUBAI UAE 09-15-2011

2 BANK OF THE PHIL ISLANDS-JAPAN 2-6 NISHISHINJUKU 7-CHOME TOKYO JAPAN 06-15-2014

3 BDO UNIBANK INC -ISRAEL 2 KAUFMAN ST TEL AVIV ISRAEL 05-31-2007

4 BDO UNIBANK INC -PARIS 116 BIS AVE CHAMPS ELYSEES PARIS 05-31-2007

5 BDO UNIBANK INC -SINGAPORE U27-63 ONES RAFFLES PLACE SINGAPORE 07-04-2012

6 BDO UNIBANK INC -TAIWAN 25 TUN HWA SOUTH RD SEC 1 TAIPEI 05-31-2007

7 BDO UNIBANK INC -DIFC REPRESENTATIVE OFFICE DIFC DUBAI UNITED ARAB EMERATES 01-19-2015

8 BDO UNIBANK INC -KOREA REPRESENTATIVE OFFICE 23F SFC 84 1 GA CHUNG GU SEOUL SK 07-30-2014

9 BDO UNIBANK INC -BEIJING REPRESENTATIVE OFFICE BEIJING CHINA 12-14-2015

10 LAND BANK OF THE PHILS -TOKYO TOKYO JAPAN 10-12-1995

11 METROPOLITAN BANK & TCO -BEIJING BEIJING PROC 06-14-1994

12 METROPOLITAN BANK & TCO -HONGKONG NEW WORLD TOWER 16-18 QUEENS ROAD

HONGKONG

09-05-1973

13 PHIL NATIONAL BANK -DUBAI RO ZAABEEL ROAD KARAMA 14402 DUBAI UAE 07-22-1995

14 PHIL NATIONAL BANK -GERMANY HOHENSTAUFERALLEE 39 LEIMEN GERMANY 02-09-2013

15 PHIL NATIONAL BANK -PARIS RO 165 AVENUE VICTOR HUGO 75016 PARIS 04-08-1992

16 PHIL NATIONAL BANK -ROME PIAZZA INDEPENDENZA ROME ITALY 06-04-1992

III.


III. 20

Table 2 Overseas Offices of Universal and Commercial Banks


Name of Bank Address Date

Opened

Extension Offices (2)

1 METROPOLITAN BANK & TCO -OSAKA 3F 2-3-13 AZUCHI-MACHI OSAKA JAPAN 12-12-1991

2 PHIL NATIONAL BANK -QUEENS(NY) 69-18 ROOSEVELT AVE WOODSIDE NY 01-17-1991

Remittance Desk Office (14)1 PHIL NATIONAL BANK -AL KHOBAR ARAB

NATIONAL BANK (ANB)

KING FAISAL STREET AL KHOBAR 11-14-1993

2 PHIL NATIONAL BANK -AQARIA(ANB) AKARIA TELEMONEY CENTER OLAYA RIYADH 10-01-1999

3 PHIL NATIONAL BANK -JEDDAH-BALAD (ANB) CORNICHE BALAD DISTRICT JEDDAH SAUDI 11-14-1993

4 PHIL NATIONAL BANK -JUBAIL(ANB) JEDDAH STREET ACROSS RIYAD BANK JUBAIL 01-25-1997

5 PHIL NATIONAL BANK -KINGDOM OF SAUDI

ARABIA REMITTANCE DESK

SETEEN STREET AL MALAZ RIYADH 02-01-2010

6 PHIL NATIONAL BANK -QATAR REMITTANCE DESK GRAND HAMMAD AVE DOHA QATAR 08-01-2004

7 PHIL NATIONAL BANK -RAWDAH-JED(ANB) PRINCE SULTAN JEDDAH SAUDI ARABIA 05-01-2009

8 PHIL NATIONAL BANK -RIYADH(RIYADH TAHWEEL

AL RAJHI BANK)

RIYADH TAHWEEL AL RAJHI 08-01-2012

9 PHIL NATIONAL BANK -RIYADH-BATHA-DESK OFFICE

OF MARKETING OFFICER AL ABDUL

RIYADH TRADING CENTER BATHA SAUDI ARABIA 11-14-1993

10 PHIL NATIONAL BANK -RIYADH-MAIN-DESK OFFICE OF

COUNTRY HEAD (ANB)

ARAB NATL BANK 3F BELT 7 RIYADH 12-31-1983

11 PHIL NATIONAL BANK -TABUK(ANB) SHARE AL AMN NEAR GOV BASHEER TABUK 03-04-1998

12 PHIL NATIONAL BANK -UNITED ARAB EMIRATES (DUBAI)

REMITTANCE DESK

KHALID BIN WALID ROAD DUBAI UAE 02-01-2006

13 PHIL NATIONAL BANK -UNITED ARAB EMIRATES(ABU

DHABI)REMITTANCE DESK

AL ANSARI EXCHANGE LEEWA ABU DHABI 07-01-1992

14 PHIL NATIONAL BANK -YANBU(ANB) KHAIR BALADI INT MARKET YANBU SAUDI 01-01-1998

Limited Purpose Branch (1)1 PHIL NATIONAL BANK -REMITTANCE CENTER

(LUCKY PLAZA)

03-68 LUCKY PLAZA SC SINGAPORE 04-24-2005

Marketing Office (2)1 PHIL NATIONAL BANK -KUWAIT NOUMAN BIN BASHER DAMASCUS SAFAT KU 10-01-1991

2 PHIL NATIONAL BANK -QATAR ALZAMAN EXCH MANSOURA AL MEERA DOHA 03-01-2011

IV.

V.

VI.

VII.


III. 21


Address

1 . BNP Paribas 32nd Floor, Philamlife Tower, 8767 Paseo de

Roxas, Makati City 1118

2 . J.P. Morgan International Finance,

Limited

30th Floor, Zuellig Building, Makati Avenue

Corner Paseo de Roxas, Makati City

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

Roxas, Makati City

Table 3 Offshore Banking Units

Name of Offshore Banking Unit


III. 22


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

Table 4 Banking Industry Associations


III. 23

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