Of For: Pilipinas

BANGKO SENT]TAL NE PILIPINAS
OFFICE OF THE GOVERNOR
CIRCUIAR NO. 886

Series of 2015
Subject: Guidelines on Salarv-Based General-Purpose Consumotion loans
The Monetary Board, in its Resolution No. 1380 dated 27 August 2AL5,
approved the guidelines on salary-based general-purpose consumption loans, as well
as the amendments of certain provisions in the Manual of Regulations for Banks
(MORB) and the Manual of Regulations for Non-Bank Financial Institutions
(MORNBFT):
Section 1. Section X321 of the MORB and Section 43375 of the MORNBFI including
their respective subsections shall now read as:
"9x32V943375 Policies on Salary-Based General-Purpose Consumption loans.

"Section X327/43375 Stotement of Policy. The Bangko Sentral recognizes the helpful
role of salary-based, consumer lending schemes in allowing an individual borrower to
manage his/her cash flows provided these are granted under sound credit standards
and fair consumer practices. The BSP likewise encourages competition and
transparency to promote efficient and innovative delivery of financial services and fair
dealing with customers.
Subsection
a.
r$21.tl
43375. 1
Definition. Salary-Based General-Purpose Consumption Loans. Refer to

unsecured loans for a broad range of consumption purposes, granted to
individuals mainly on the basis of regular salary, pension or other fixed
compensation, where repaymentwould come from such future cash flows,
either through salary deductions, debits from the borrower's deposit
account, mobile payments, pay-through collections, over-the-counter
payments or other type of payment arrangement agreed upon by the
borrower and lender."
b.
Transactions Covered. Salary-based general-purpose consumption loans

may include credit accommodations for education, hospitalization,
emergency, travel, household and other personal consumption needs.
c.
Exclusions. Credit cards, motor vehicles and other personal loans which
are covered by other existing applicable regulations are excluded from the
coverage of this Circular.
d.
Report. For the purpose of reporting in the Financial Reporting Package,

A \4ab;r;-rt.. \4aldte 1CC-1 N4enila, Philispi^s.5 . lE37\7CE:jOI .
!,vv/w.bsp.gcv.Fh:
bspmarr{!uDsp.gov.Dn
financial assistance under an approved fringe benefit program should be

reported/classified according to the purpose of the financial assistance
(e.9. housing/real estate, motor vehicle, salary-based general-purpose
consumption, etc.)
X32t.2l 43375.2 Credit Granting
a.
Policies of financial institutions (Fls) shall be consistent with best
practices and sound credit processes prescribed under
BSP
regulations, including a comprehensive assessment of the borrower's

creditworthiness, and shall not be reliant on mere formula such as
those automatically granted based on certain multiples of monthly
salary or other regular compensation.
b.
Individual borrowing capacity should be prudently assessed

considering reasonable estimates of total personal and household
indebtedness as well as disposable income available for family and
personal needs after considering debt servicing.
c.
Original loan term shall not exceed 3 years but may have longer
maturity in meritorious cases provided that in no case shall maturity
exceed 5 years;
No loan renewal shall be granted without re-assessing borrowing

capacity and establishing continuing creditworthiness. Further, no
loan renewal shall be allowed without payment of accrued interest
receivable and substantial reduction in principal.
d.
ln the case of loan "takeout" from another Fl, the Fl taking out the
loan(s) should ensure that the loan from the originating Fl has been
fully settled. Fls are expected to institute adequate controls over
loan "takeout" such as: (a) directly releasing the loan proceeds to the
Fls where the loan will be taken ouq and (b) obtaining a copy of the
official receipt evidencing full settlement of account from the
originating Fl, among others.
X321.314337S.3 Consumer Protection - Fls are required to strictly adhere to

BSP regulations on Financial Consumer Protection as prescribed under the
following:
a.
PartTen entitled Consumer Protection of the Manual of Regulations for

Banks; and
b.
Part 4 of the Regulations Governing Non-Stock Savings and Loan

Associations (S Regulations)
X321.414337S.4 Sanctions. - The Monetary Board may, at its evaluation and

discretion, impose sanctions on an Fl and/or its Board, directors and officert
proportionate to the gravity/seriousness of the offense in cases of persistent
non-observance of the provisions contained herein.
Page 2 of 5
2.
The Financial Reporting Package, prescribed under Subsection X191.2 of

the MORB is further amended to revise the: (a) Manual of Accounts (MOA); and (b)
reporting templates of specific Financial Reporting Package for Banks (FRP) and
Simplified Financial Reporting Package for Rural and Cooperative Banks (SFRP) as
follows:
Section
(a) Manualof
Accounts
"xxx
"11.
Loans and Receivables
"(a)
(b)
"(c)
Loans
xxx
to Bangko Sentral ng Pilipinas - xxx
xxx
Loans and Receivablesthers
"(c.1) xxx
- xxx
"xxx
"(c.8)
Loans to Individuals Primarily for Personal

Use Purposes - This refers to the amortized
cost
of
loans granted
to individuals
for
personal use purposes.

xxx
(c.8c)
Salary-Bosed Generol-Purpose
Consumptiot Lwns
to the
This refers
amortized cost of
unsecured loans for a broad
range of consumption purposes,
granted to individuals mainly on
the basis of regular salary,

pension or other
fixed
compensation, where repayment
would come from such future
cash flows, either through salary
deductions, debits from the
borrowe/s deposit account,
mobile payments, pay-through
collections, over-the-counter
payments or other type of

payment arrangement agreed
upon by the borrower and lender.
Page 3 of 5
(c.8d)
This refers to the

amortized cost of loans granted
Others
to
individuals to finance other

personal and household needs
such as purchase of household
appliances, furniture and fixtures
and/or to pay taxes, hospital and
educational bills on the basis and
under a repayment scheme other
than those described under

salary-based
general-purpose
loans."
consumption
"xxx"
(b) Reporting Template

The following reporting templates of FRP, attached as Annex A-1,
are revised to show a line for Salary-Based General-Purpose Consumption
loans under the category of Loans to Individuals Primarily for Personal Use
Purposes:
TI
tLa
11b
11c
11d
11e
29d
11a1
11b1
11c1
11d1
11e1
11h1
29dL
LLaZ
11a3
LIa4
Ltb2
11b3
11c3
11d3
11e3
LLb4
LLc4
29d3
29d4
LLc2
t1d2
tle2
ttd4
Lte4
tLhz
29d2
33
Similarly, the reporting templates of Simplified FRP for Rural and

Cooperative Banks, attached as Annex A-2, were revised for schedules 11,
11a1 to 11e1, 11h1, ILh2,29d1 and 33.
Moreover, Section 41625 of the MORNBFI is also amended to

revise the reporting templates of the Consolidated Statement of
Condition (CSOC) and Consolidated Statement of Income and Expenses
(CSIE) of Non-Stock Savings and Loan Associations (NSSlAs), attached as
Annex B, to amend the line for Salary Loans and Interest/Discounts Earned
- Salary Loans to Salary-Based General-Purpose Consumption Loans and
Interest/Discounts Earned - Salary-Based General-Purpose Consumption
loans, respectively.
Banks and NSSIAs shall adopt the said revised reporting templates
effective report ending 30 September 2015.
Page 4 of 5
Section 3. Transitory Provision. This Circular shall apply to all salary-based generalpurpose consumption loans as defined herein including those outstanding prior to
the effectivity of the Circular.
Fls shall be given six (6) months from the effectivity of this Circular to adopt/amend
their policies, procedures and credit risk strategy on salary-based general-purpose
consumption loans to comply with the provisions contained herein.
Section 4. Effectivity. This Circular shall take effect fifteen (15) calendar days
following its publication either in the Official Gazette or in a newspaper of general
circulation.
FOR THE MONETARY BOARD:
O/
September 2015
Page 5 of 5
Schedule
Loans and Receivables - Others 1/

(At Net Carrying Amount, except for ltems 12 to l6 of the Additional Information)
Foreign Regular
Particularc
Account Code
1401
a.
0.00
0.00
000
50500500122000
505005001 23000
4U1 5U500500
231 00
401 50500500
Loans
1401
1
0.0c
I 00000
100000
LOans
1401 505020051 00000
14Ur50502010100000
LOans
140150502500
IO
IO
505035001 61 000
14U1 5U5035U01 ti20Ll0
1401 505040001 00000
reort
lSalary-Based ceneral-PurDose ConsumDtion Loans
J.
lOthersl
I -oans to Individuals for Other Pumoses
Non-Residentsl
lentral Governmenucentral Banks

2. rublic Sector Entities
3. -oans to corporations
4. -oans to Individuals
rorAl
0.0c
0.0c
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
0.00
0.00
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
Peso Equiv.
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
Total
InUS$
Peso Equiv.
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
Peso Equiv.
0.0(
0.0(
0.01
0.0(
0.0(
0.0c
0.0c
0.0c
0.0c
0.0c
0.0c
0.0(
0.0(
0.0c
0.0c
0.0(
0.0(
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0c
0.0(
InUS$
0.01
0.0(
0.0(
0.0(
0.0(
0.0(
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0c
0.0c
0.0c
0.0(
0.0c
0.0c
0.0c
0.0c
0.0(
14U1 5U5045101 011000
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0c
0.00
0.0c
0.0c
0.0c
0.0c
0.0c
0.0c
0.0(
0.00
0.0(
0.0c
0.00
0.0c
0.0c
0.0(
0.0(
0.0(
0.01
0.0c
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
401 505050001 00000
1401 50500000200000
1
401 50505500200000
40'l 50506000200000
1401 50506500200000
1401 50507000200000
0.0(
40 1 50500000000000
0.0(
0.00
0.0c
0.0(
0.0(
140150504505100000
1401 5050451 51 00000
0.0(
0.0(
0.0t
0.0(
0.0(
0.0(
0.0c
0.0c
0.0c
0.0c
0.0(
0.0(
0.0(
0.0(
0.0c
0.0c
1401 505045't21 00000
0.00
0.0(
0.0(
0.0(
0.0c
140150504500
0.0(
0.00
0.00
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
orarian Reform Loans
,lational Govemment.
401 5050 1 01 51 00000
0.0(
0.0c
0.0c
0.0c
140150501020100000
0.0(
0.0(
0.0c
0.0(
0.0(
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0c
0.0c
0.0c
0.0(
0.0c
0.0(
0.0c
0.0c
0.0(
0.0(
0.0c
0.0c
0.0c
0.0c
0.0(
0.0(
0.0c
0.0c
0.0c
0.0c
0.0(
0.0(
0.0c
0.0c
0.0c
0.0c
0.0(
0.0(
0.0(
0.0(
0.0c
0.0(
0.0(
0.0c
0.0(
' Of which loans used to eomplv with Aqrarian Reform/Other Aoricultural Loans
)ther Agricultural Credit Loans
Additlonal Information:
1
Loans to LGUs to the extent guranteed by LGUGC
Loans to GOCCs to the extent guaranteed by the
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0c
0.0c
0.0c
Forelgn Offices
0.0c
0.0c
1401 505045101 Z
c.
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
uredrt Loans
use
0.0(
0.0(
0.0(
LOans
to Indtvtduals tor
0.00
0.0(
0.0(
1401
FCDU/EFCDU
Peso Accounts
lnUS$
Loans Io
11
1of
0.0(
40't 50506500600000
0.0(
1401 s0507000600000
0.0(
Loans and Receivables - Others il

(At Net Garrying Amount, except for ltems 12 to 16 of the Additional Information)
Loans to the extent covered by hold-out on, or
to lhe xtent guaranteed by TIDCORP
estate mortgage loans to the extent guaranteed
50061 0000
401 5051
40 1 5051 200061 0000
Liability on Bills/Drafts Under LC/TR
Items 12 to 16, Loans and Receivables - Others.

erm (one year or less)
of FCDU/EFGDU Loans and Roceivables.

purposes of computing FCDU cover
be reported at Amortized Cost i.e. Gross of Allowance
Schedule
11
2of3
Schedule
Loans and Receivables - Others 1'

(At Net Garrying Amount, except for ltems 12to 16 of the Additional lnformation)
Forslgn Regular
Particulars
Account Code
-oans with Specific Approval by the BSP (Section 23 of

lircular No. 1389, as amended)
lhort-term Loans to Resident Private Sector Borrowers
FCDU/EFCOU
Foreign Offices
Peso Accounts
InUS$
,|
11
3of3
Peso Equiv.
InUS$
Total
Peso Equiv.
InUS$
Peso Equiv.
401 5051 6500600000
0.0(
401 5051 7000600000
0.0(
1401 5051 7500600000
0.0(
1401 5051 8000600000
0.0(
,rrhich under existing regulations requires no prior BSP

rpproval and allowed to be serviced using foreign
)xchange purchased from the banking system (Section 24.4
rf Circular No. 1389, as amended)
-oans to Resident Private Sector Borrowers to be serviced

rsing Foreign Exchange Purchased from Outside the
lanking S)rstem (Section 24.1 of Circular No. 1389, as
rmended)
-oans granted by EFCDU to Non-Resident to be serviced
Jsing Foreign Exchange Purchased from Outside the
lanking System (Section 24 ol Circular No. 1389, as
rmended)
1/ Includes Restructured
Loans
Lofir .nd R.cely.bt.r . others "

ClrlCfl.d .3 to Shfua
"*'?#:
Tolll Anount
Particula.s
Account Code
Past Due But

Not Yet Non-
Paet Due and
Current
Performlng
lesldents
140150000000100000
-oans to Govemment
l. National Government
tGUsl
GOCCs
1
Social Securitv lnstitutions
Other Financial
3.
lNon-Financial
z
?rian Reform / Other Aqricultural Loans
a. lAqrarian Reform Loans
l.
1401 50000500't 20000

1
401 50000500
401 500005001 22000
21 000
1401 50000500123000
1
401 500005001 231 00
140150000500123200
140150000500123300
1401 50001 000100000
1
401 50001 0051 00000
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0t
0.0(
0.00
0.00
Already
Non-Performlng
0.0(
0.0(
0.0(
0.0(
0.0(
0.0c
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0c
0.0c
0.0c
0.0c
0.0(
Loans
140
Total Loans
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0c
0.0(
0.0(
0.0c
0.0c
0.0c
0.0c
l.
to
140
0.
0.
0.00t
0.00t
l.
0
0
0.0c
0.
0
0.
0.001
0
Ithers
1401 5000451 5100000
Non-t t$idents I
1
lentral GovernmenUCentral Banks
z, Public Sector Entities
5. Loans to Coroorations
Loans to |ndividuals
rOTAL
' Of which loans r rsarl to mmnlv wifh Adrari.n Flofnm/f)thar
\orarian Reform Loans
fther Agricultural Credit Loans
140150005000100000
401 50000000200000
401 50005500200000
401 50006000200000
401 50006500200000
401 50007000200000
401 50000000000000
1401 50501015100000
1401 50501 020100000
0.00
0.00
0.0(
0.0c
0.0(
0.0(
0.0c
0.0c
0.0(
0.0(
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
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0.0(
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0.0(
0.0(
0.0(
0.0(
0.0(
0.0c
0.0c
0.0c
0.0c
0.0c
0.0(
0.0c
0.0c
0.0c
0.0c
0.0c
0.
0.00
0.00
0.
0.0(
0.0(
0.0(
0.0c
0.00
0.0(
0.0c
0.0c
0.0c
0.0(
0.0c
0.0(
0.0(
0.0c
0.0(
0.0(
0.0(
0.0c
0.0c
0.0c
0.0(
0.0(
0.0(
0.00
0.0c
0.0(
0.0(
0.0c
0.0c
0.0c
0.0c
0.0c
0.0c
0.0(
0.0(
0.01
0.0(
0.0(
0.0(
0.0c
0.0(
0.0(
0.0c
0.0(
Amount
0.0c
0.0c
0.0c
0.0c
Net Carrylng
Gredlt Losses
0.0c
000
1401 50004512100000
Alowance for
0.00
140'150004510'172000
Jalary-Eased GeneraFPurpose ConsumDtion Loans
0.00
0.
01 71
Loans to Individuals for Other PurDoses
0.00
0.0c
0.0c
LOans
LOans
140
1401
0.0(
1401 500040001
l.
Loans
0.0(
0.0(
0.0(
0.0(
0.0(
1000
).
0.0(
0.0(
b. -oans to
-oans to Individuals Primarilv for Personal Use
0.0c
).
7. -oans to
0.0c
0.00
't00000
't40
140
4.
)\
Items in
Litigation
0.
0.
i.
d.
lutnerAqncufturat ureoit Loans
8,
0.00
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
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0.0(
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0.0(
0.0c
0.00
0.0c
0.0c
0.0(
0.00
0.0(
0.0(
0.00
0.0(
0.0(
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0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.00
0.0(
Loanr and Recolvrbl.. . otherr

Claa6ifrod r! to strtr.
t*
1'
,
"at*
Toirl Amount
Particulars
Account Code
Past Due But

Not Yet Non-
Past Due and
Gunent
Performing
Non-Performlng
Arcady
Items ln
Lltlgatlon
Total Loans
Alowance for
Net Carrying
Credit Lo$es
Amount
lnformatlon
0.00
1401 5001 2505600000
Kes|dentral
1401 500 I 251 0600000
uommercial
14015001251
40 1 5001 3005600000
0.0c
1401 5001 3010600000
0.0c
tne Bank's Fnnoe Eenetit
14015001
00
0.00
0.00
0.00
0.0c
0.0c
0.00
0.00
0.00
0.
b.
i.;ommercial Real Estate Loans
qricultural
4 Bills Purchased
A.
Bills Purchased
=xoort
3.
3ills Purchased - Documentarv
3ills Purchased - Clean
5. iustomers' Liabitity on Bills/Drafts Under LC/TR
q.
nport Eills
3
noort Bills Under TRs
6 lustomers' Liability for this Banks' Acceptances Outstanding
3ross Non-Performing Loans
8. Allowance for Credit Losses
7
"lncludes Restructured Loans
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.00
unsecureo
unoer
0.0(
401 5001 3000600000
0.00
0.00
0.00
0.00
EState Loans
P3.5 million
0.0(
0.00
0.0(
1401
KEM - h(estdential
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
1401
ASSEIs
0.0(
401 5001 3505640000
401 s001 3500641 000
401 5001
0.00
0.0c
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
401 5001 351 5640000
401 5001 4000600000
0.0(
0.0(
0.0t
1401 5001400061 0000
0.0c
0.0t
0.0c
0.0c
0.00
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0c
0.0c
0.0c
0.0c
0.00
0.0(
0.0(
0.00
0.00
140
0.00
0.00
1401 5001 3510640000
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
140150014000620000
140150014000630000
140150014500600000
1401 5001 450061 0000
140150014500620000
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140't 5001 9000600000
0.0(
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Loana rnd RacalvabLa . Othelt
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Account Code
PaBt Due
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But
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1
401 50000000100000
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l. National Govemment
401 500005001 20000
0.0(
).
401 500005001 22000
5()ccs
401 50000500123000
locial Security lnstitutions
401 500005001 231 00
2.
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401 500005001 23200
3.
{on-Financial
401 500005001 23300
arian Reform / Other Aoricultural Loans

l. \qrarian Reform Loans
\ricroenlemrise Loans
).
\ricrofinance Loans
)ther MicroenterDrise Loans
4. 3mrll and Medium Enlemrise Lmns

imall Scale Enterprises
vledium scale Entemrise
5. lontracts to Sell
o. -oans to Private CorDorations
l.
401 50001 0001 00000
40150001010100000
140150002000100000
1401
Items in
Litigation
Total Loans
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1401 50002500100000
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14015000451 5100000
401 500050001 00000
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1401 50004510172000
14015000451 2100000
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1401 50004505100000
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1401 50003000'100000
1401 50003500162000
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0.0(
1401 50002510100000
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1401 50002505100000
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1401 50002010100000
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Alroady
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5q)02005100000
1401 50003500161000
foTt
401 50001 0051 00000
:inancial
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8. -oans to Individuals Primarilv for Personal Use PurDoses
t. lredit Card
Vlotor Vehicle Loans
1
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vlotorc\rcle Loans
salary-Based General-PurDose ConsumDtion Loans
J.
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Bnts
401 500005001 21 000
ILGUS
f,ther Aqricultural Credit Loans

3
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1)
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1
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rl
KEM - Kesnenltal
1401 50501 0't5100000
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1401 5001 2500600000
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1401 50012510600000
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Schdule 1la1
2ot2
Classified as to Status
Peso Accounts
Paftlculars
Account Code
Current
PaBt Due But

Not Yet Non-
Performlng
Pasl Duo and

Already
NonPerformlng
Items in
Litlgatlon
1401 500
Total Loans
Allowance for
Credit Lo$es
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0.0(
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401 5001
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lommercial Real Estate Loans
\gricultural
4. 3ills Purchased
\.
Amount
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1401 5001 3500642200
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Sills Purchased - Documentary
1401 50014000610000
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0.0(
1401 50014000630000
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5 Uustomers' Liability on Bills/Drafts Under LC/TR
Bills
A.
mport
B.
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1401 5001 4500600000

1401 5001450061
0.0t
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401 5001 5000620000
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6 Sustomers' Liability for this Banks' Acceptances Outstanding
7. Sross Non-Periorming Loans
1401 5001 851 2600000
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0.0(
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401 5001 9000600000
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5
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t. lredit Card
tilotor vehicle Loans
Auto Loans
,.
0.0(
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140r50000500't23100
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1401
50000dD100000
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f,thr Agricultural Credit Loans
0.0(
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Losses
Net Garrylng Amount
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401 50004000100000
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140150004515100000
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401 5000m00200000
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1401 500045121
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used to comolv with Aorarian
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14015(m4510171m0
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Itlon-Performlng
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140150501 0151 00000

140150501 020100000
Loana .nd
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Non-Porfomlng
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a
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Pos
Equiv
InUS$
Pee
Equiv
lnUS$
Peso Equiv
Itoms In Lltlgatlon
Total Loan3
Allowance for Crodlt

Lo3sos
Net Carrylng Amount
InUS$
InUS$
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14015(x)1 25tx)6{XXruO
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14015{rc125106(Xxn0
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14015001251960fin0
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14015{D1252)600q)0
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-oans Granted under the Bank's Fringe Benfit Program
1401
5q)1252E6qru00
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1,10150013(xD600m0
0.0(
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14015(x)1 301 o6(x)0(x)
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14015001 301 5600000
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14015tX)1 301 86(xxrcO
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14015001 30m600000
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14015001 30256m0@
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3. :xposure to Real Estate Industry
tesidential Real Estale Loans

i)
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0.0(
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14015001 35qr6qxrcO
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1401500145{X}02(xD0
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1401500150(n62(xn0
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14015q)19@0600@0
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40150000500123200
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140150002500100000
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0.0(
0.0(
0.0(
0.0{
0.0(
o.o(
500r 3015600000
0.0(
0.0(
0.0(
0.0(
5(n130186q)0(rc
0.0(
o.q
0.0(
0.0(
140150013020600000
0.0(
0.0(
0.0(
0.0(
0.0t
0.0(
0.0(
0.0(
0.0(
1401 5001
Secur6d
r40150013005600000
(i)
tEM - Residential
1401 5001
Ir)
lEM - Wmerqa
1401
il,
r(EM - Agncunural
1401
liv) OttEr collateral

Jnsecured I
a :xposure to Real Estate Industry
t.
Peso
Equiv.
Items In
,')
lLoa'}s Granted under the Bank's Frinqe Benefrt Pr@ram

a.
InUS$
1401500125000qrc0
Secured
urFecuredl
2
Peso
Equiv.
{esEenual Real Estate Loans
/r01 5001
3010600000
3025600000
140r 5001 3500600000
0.0(
o.0(
o.(x
0.0(
0.0c
0.00
0.0(
0.0(
o.0(
0.0(
0.0(
0.0(
0.0(
3505640000
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.(X
0.0(
0.0(
0.0(
0.0(
1,101 5001
,D
,lot exceding P3.5 million
1401500135q)41o(rc
ii)
lceeding P3.5 million
140150013500642n0
0.0(
0.0(
Suaranleed under th National Shdter Program
1/r01s{rc135(xb42100
0.0(
0.0(
0.0(
0.0(
f,thers
1401
50013500642200
o.u
0.0(
0.0(
0.0(
-;ommeroal Real Estate Loans
140150013510640000
0.0(
0.0(
0.0(
0.0(
\gricultural
14015001351 5640000
0.0(
o.0(
0.0(
0.0(
4. lills Purchased
140150014000600000
0.0(
0.0(
0.0(
0.0(
'.21
\.
0.o(
0.(x
0.(x
0.0(
0.0(
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0.0c
0.0(
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o.(X
0.0(
0.0(
0.0(
0.0(
:xporl Bilh Purchased
r401 5q)14qrc610000
0.0(
0.0(
0.0(
0.0(
lills Purchased - Documentary
14015001/t00O6Zm0
0.0(
0.0(
0.0(
o.0(
0.0(
0.0(
0.0(
0.0(
rils rurcnaseo - ut@n

lustomers' Liability on BillyDrafts Under LC/TR
140150014q)0630O00
0.0(
0.0(
0.ot
0.0(
500145006100(n
0.0(
0.0(
0.0(
0.0(
5(x)145006200q)
0.0(
o.(X
0.0(
0.0(
0.0(
0.0(
0.(X
0.0(
0.0(
0.0(
1401
50014500600000
mport Bilq
1401
mport Balls Undf TRs
1401
]ustomers' Liability for this Banks' Accptances Outstandim

7 jross Nm-Pefiofmim Loans
8. Allowance for Credit Lo6ses
6
0.0(
0.0c
o.0(
0.0t
0.0(
0.0(
0.0(
0.0(
14015001s000620000
1401
50018512600000
0.0(
0.0(
o.0(
0.0(
1401500190006m000
0.0(
0.001
l/lncludes Restructured Loans
0.0(
0.0(
Restructured Loans and Receivables

Total Amount
llb
l of I
Schedule
Particulars
Account Codo
c
Past Due and
Gurrent
Past Due But

Not Yet Non.
Performing
Resldents
1
-oans to Govemmen
t.
National Government
).
!GUs
GOCCs
iocial Securitv lnstitutions

)ther Financial
l.
Von-Financial
'arian Reform / Other Aqricultural Loans
qrarian Reform Loans
l.
).
fther Aqricultural Credit Loans
0.0c
0.0c
0.0c
14015't000500'123300
1
401 51 001 0001 00000
1401 51 001005100000
140151001010100000
ilicrncnlarnriqa I nanc d
1401 510020001 00000
Microfinance Loans
1401 51002005100000
).
4
140151000000100000
1 401 51 0005001 20000
1401 510005001 21 000
1401 51000500122000
140151000500123000
140151000500123100
1401 510005001 23200
)ther Miooenterprise Loans
Small and Medium Enterorise Loans
140'151002010't00000
401 51 002500100000
lmall Scale Enterorises
1401 510025051 00000
vledium Scale Enterprise
1401 51 00251 0100000
Contracts to Sell
6 Loans to Private CorDorations
140151003000't00000
1 401 51003500160000
1401 51003500161000
1 401 51 003500't 62000
140151004000100000
1401510U500100000
0.
Financial
Non-Financial
-oans to hdividuals for Housinq PurDoses
8 Loans to Individuals Primarily for Personal Use Purposes
7
lredit Card
\rotor Vehicle Loans
1
Auto Loans
Motorcycle Loans
rOTAL
of
0.0c
0.0c
0.00
0.00
0.0(
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
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0.0(
0.0(
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0.0(
0.0c
0.0(
0.0(
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0.0(
0.0(
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0.0(
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0.0(
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0.0c
0.0c
0.00
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0.0(
0.0c
0.0(
0.0(
0.0(
0.0c
0.00
0.0c
0.0c
0.0(
0.0(
0.0(
0.00
0.00
0.0c
0.00
0.0c
0.0(
0.0(
0.0c
0.00
0.0(
0.0(
0.00
0.00
0.00
0.00
0.0c
0.00
0.00
0.0(
0.0(
1401 51006000200000
1401 51006500200000
0.0t
140151007000200000
0.0c
0.0(
0.0(
0.0(
0.0(
0.0t
0.0(
0.0(
0.0(
140151000000000000
0.0c
0.0c
1401 51 005500200000
0.0(
0.0(
Amount
0.0c
0.0(
1401 51 000000200000
0.0(
Net Carrylng
0.0(
0.0(
0.0c
0.0(
1401 51005000100000
Allowance for
Crodlt Losses
0.0(
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
1401 51 004510172000
0.0(
Total Loans
0.0c
0.00
401 51 0045051 00000
1401 5't 00451 01 71 000
Items in
Lltigatlon
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0c
0.0c
0.00
0.00
0.0c
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
1401 5100451 0100000
1401 51 0(X51 51 00000
z, rublic Sector Entities I

3. -oans to CorDorations
4. -oans to |ndividuals
0.0c
0.0(
)thers
lentral GovernmenUCntral Banks
0.0c
0.0c
0.0c
0.0c
0.0(
Already
Non-Performing
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.00
0.0(
1401 51 00451 21 00000
Non.Residentg
0.0(
0.0c
0.0c
0.0c
jalary-Based General-Purpose consumDtion Loans

9, -oans to Individuals for Other Purooses
0.0(
0.0(
0.0c
0.00
0.00
0.0c
0.0c
0.0c
0.0c
0.0(
0.0c
0.0c
0.00
0.00
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0[
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0t
0.00
0.00
0.00
0.0c
0.00
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.00
0.0c
0.0c
0.0c
0.0(
0.0c
0.0(
0.00
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.00
0.00
0.00
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0c
0.0(
0.0(
0.0(
0.00
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.00
0.00
rvhich loans used to comply with Agrarian Reform/Other Agricultural Loans
(1)
Agrarian Reform Loans
140't 50501015't00000
0.0c
0.00
0.0(
0.0(
0.0(
0.0(
0.0c
t2)
140150501020100000
0.0c
0.0c
0.0c
0.0(
0.0(
0.0(
0.0(
Ratbuctu|td Lon3 end

Clar.lfi.d a. to S'trtr3
Plao Accounta
gclclcEl$.l
Racahrablaa
I ol
Partlculars
Account Gode
c
Past Due and
Current
Past Due But

Not Yet Non-
Performing
Resldents
-GUs
3OCCs
lsoclar secunry Insllutons
l.
lutner Frnancral
lNon-Financial
2. \qrarian Reform / Other Aoricultural Loans
3. Vlicroentemrise Loans
1.
4.
Vlicrotinance Loans
)ther Microenterprise Loans

imall and Medium EnterDrise Loans a/
imall Scale EnterDrises
tiiledium Scale EnterDrise
6. -oans to Private Coroorations
l.
:inancial
{on-Financial
8

-oans to Individuals Primarily for Personal Use Purposes
Credit Card
l\rotor Vehicle Loans
lAuto Loans
2.
lMotorcvcle Loans
Salary-Based GeneraFPurpose Consumption Loans
{
Others
-oans to Individuals for Other Purooses
Non.ResidenG
4 -oans to Individuals
rOTAL
'
401 51 0000001 00000
0.0(
1401 51000500120000
0.0(
-oans to Govemmen
t.
{ational Govemment
0.0(
0.0t
Already NonPerforming
0.0(
0.0(
Items in
Lltlgatlon
Total Loans
0.0(
0.0(
1401 51000500121 000
0.0(
0.0c
0.0(
0.0(
140151 0005001231 00
140151000500123200
140151 0005001 23300
140151 001 0001 00000
140151 0010051 00000
140151 00101 01 00000
140151 0020001 00000
1 401 51 0020051 00000
401 51 00201 0100000
401 51 0025001 00000
401 5'l 0025051 00000
40151 00251 01 00000
4015't 0030001 00000
40151 003500160000
40151 003500161 000
40151003500162000
401 51 0040001 00000
I 401 51 0045001 00000
0.0c
0.0c
0.0(
0.0(
0.0c
0.0c
0.0(
0.0(
0.0(
0.0(
0.0t
0.00
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.00
0.0c
0.0c
0.0(
0.0c
0.0(
0.0c
0.0(
0.0c
0.0c
0.00
0.00
0.0c
0.0(
0.0(
0.0(
0.00
0.00
0.0c
0.0(
0.0(
0.0(
0.0c
0.0(
0.0(
0.0(
1401 5100451 2100000
0.0(
0.0(
1401 51 00451 5100000
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0c
0.0(
0.0(
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0.0(
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0.0(
0.0(
0.0(
0.00
0.00
0.0t
0.0(
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0.0(
0.0(
0.0(
0.0c
0.0(
0.0c
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
140151 007000200000
140151 000000000000
0.0(
0.0c
0.0c
0il5101 71000
140151005000100000
1 401 51 000000200000
l{et Garrylng
Amount
Gredit Losses
0.0c
1401510(X5101 72000
140151
Alowance for
0.0(
140151 0045051 00000
140'151004510100000
0.0c
0.0c
1401 51 000500122000
1401 51 000500123000
0.0c
0.0c
0.0c
Of which loans used io mmDlv with Aorarian Reform/Other Aoricullural Loans

1)
"21

Jther Agricultural credit Loans
1401 50501 01 51 00000
0.0(
1401 50501 0201 00000
0.0c
0.0(
0.0(
srlrt{rltrB
R.dtucbnd Li.m md ir.o|9 bl.r
Cldfi.d..
ao
stttr.
Particulars
Account Code
Curront
Part Due But ilot Yst

Non+erforming
Pa3t Due and Aready
InUSg
lo3id6nts
1401 5't0005001
IGOCCS
0005001 23000
140151 0005001 231 00
Agrarian Retorm / Other Aqricultural Loans

lAorarian Retorm Loans
lOther Agricultural Credit Loans
/imenlerorise Loans d
lMicrofinance Loans
I Other Microenterorise Loans
and Medium EnlerDrise Loans
lSmall Scale Enterprises
IMedium Scale EnterDrise
lontracts to Sell
6 -oans to Privale Corporations
Small
l.
51
ILGUs
f,ther Financial
\lon-Financial
0000001 0000
r401 51 0005001 20000
r401 510005001 21 000
1401
-oans to Government
lNational Government
lFinancial I
I
lNon-Financial
-oans to Individuals for Housinq Purooses
-oans to Individuals Primarily for Personal Use
).
9
51
1401
51
(.).0(.)
0.00
0.00
0.00
InUS$
0.o0
0.oo
Non+odormlng
P6o Eouiv.
0.00
ln t.,S $
0.00
0.00
0.00
Ps
Equiv.
o.oo
0.00
InUS$
0.00
0.00
Ps
Eouiv
0.00
0.00
1401
51q)0500't 23300
0.00
0.00
0.00
o.oo
0.o0
0.oo
0.00
0.00
0.00
0.00
0.00
0.00
0.oo
0005001 23200
140 1 51001 0001
0.00
0.00
0.00
00000
140151 001 01 01 00000
1401
51
001 005't
140 1 51 0020001 00
00000
1401 5100201 01q)000
140't 51 0025001 00000
140151 0025051 00000
1401 51 0025101 00000
1 401 51003000100000
r40151 0035001 60000
140151 0035001 61000
140r51 0035001 62000
1401 510040001 00000
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
1401 510020051
140 1 5 1004500100000
140't
51
00000
140151 0045 t01 71 000
1401 5100451 01 72000
lothefs
140 1 5100451 51
o.o0
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.oo
0.00
0.00
0.00
0.00
51
140151
000000000000
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.oo
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
tn Faslorm Loans
2) lother Agricultural Credit Loans
0.00
0.oo
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
5100000
020100000
1401 5050101
1401 50501
0.00
0.00
0.00
0.00
0.oo
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.oo
0.00
0.00
0.00
0.00
o.oo
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
InUSS
0.00
0.00
0.oo
0.00
o.oo
Net Carrylng Arnount
0.00
0.00
0.00
Eouiv
0.00
0.00
0.00
0.00
0.00
0.oo
0.00
0.00
0.00
o.oo
0,00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Equiv.
0.00
0.00
0.00
0.00
0.00
o.oo
0.00
0.00
o.oo
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.o0
o.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
P@
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
' Of which loans used to comDlv with Aorarien Reform/Other Aoriculluml Lmns
1)
Pm
0.00
0.00
2100000
00000
0050001 00000
InUS$
0.00
0.00
n-Re3identr
rOTAL
Loales
Equiv.
0.00
0.00
0.00
P@
Allowanca for Cradlt
0.00
0.00
0.00
1401 510045't
1401
InUSS
0.00
(,.(r(,
0045051 00000
140151 00451 01
12. lMotorcycle Loans

lSalary-Based General-Purpose Consumption Loan
oans to Individuals for Olhsr PuroGes
Eouiv
Total Loans
22000
r401
>urooses
lCredit Card
lMotor Vehicle Loans
lAuto Loans I
Ps
d
Itom3 In Lltigation
0.00
!d!rub$l8
R*dyablo
R..tucurcd Loan! and

Chl.|n.d r to 8t tu.
oti
FCDU'EFCOI'
a
Account Codo
Particulars
r401 51(XXXDo1(xxx)o
-oans to Govemment
{ational Govmment
Sociel Security InstiMions

Other Financial
Non-Financial
arian Refo.m / Other Aqricultural LoarE

orarian Refoam Loans
Other Aoricultural Credit Loans
3.
Microfinance Loans
Jther Microentemrise Loans
4
imall arrl Mtrlium Eniffiis

Small Scale Enteorises
0.0(
0.0(
Pso
Equiv.
0.0(
0.0(
InUS$
0.0(
0.0(
Psso Equiv
Mo Loans I
ilotorcvcle Loans
Salary-Based General-Purpose Consumption Loans
l. 3thers
-oans to Indivlduals tor Otller PurDoos
[on-Re8ide]rtr
Banks
wlrinh lmm rnsl t^ mrrlv wilh AdEri.n

Ithr Agricultural Credit Loans
InUS$
P6o Equiv
0.0(
0.0(
0.0(
0.0(
0.0c
0.o(
0.(x
0.0(
o.u
0.0(
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0.0(
0.0(
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0.0(
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0.0(
0.0c
0.0(
0.0(
0.u
0.0(
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0.0(
0.0c
0.0(
0.0(
01q)U)o
0.0(
0.0(
0.0(
0.0(
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0.0c
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0.0(
0.0(
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0.0(
0.0(
0.0c
0.0(
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1651 500005fi)1 23000
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3 -oans to Comoralions
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rOTAL
1651 50000500121000
1651 50000500122000
lSocial Securitv Institutions

lOther Financial
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651 500000001 00000
1651 500005001 20000
1651500005001 23100
1651500005001 23200
1651 50000500123300
1 651 50001 0001 00000
1651500010051 00000
1651500010101 00000
1 651 500020001 00000
1 651 500020051 00000
1 651 5000201 01 00000
1 651 500025001 00000
1651 50002505100000
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651 5000251 01
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1 65 1 50000000200000
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651 50007000200000
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1651 500000001 00000
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1 651 500005001 20000
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1651 50000500121 000
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165150000500123100
lSocial Securitv lnstitutions
1651 50000500123200
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1651 50000500123300
2 \orarian Reform / Other Aoricultural Loans
1651 50001 0001 00000
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1 651 50001 0051 00000
1 651 5000101 01 00000
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1651 500020001 00000
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0.00
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1 651 500020051 00000
Sther Microentemrise Loans
1 651 5000201 01 00000
4. Small and Medium Enterprise Loans
1 651 500025001 00000
0.0(
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Small Scale EnterDrises
1 651 500025051 00000
Medium Scale Entemrise
1 051 5000251 01 00000
5. 3ontracts to Sell
1 651 500030001 00000
6 -oans to Private Gorporations
1 651 500035001 60000
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1 651 500035001 61000
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1651 50003500162000
7. Loans to Individuals for Housinq PurDoses
1651 500(X0001 00000
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1651 500045001 00000
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1 651 500045051 00000
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1651500045101 00000
0.0(
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1651 500045101 71 000
1. lAuto Loans
Motorcvcle Loans
165150004510172000
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1651500045121 00000
f,thers
1651 5000451 51 00000
o Loans to Individuals for Other Purooses
1651 500050001 00000
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1 651 50000000200000
0.0(
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0.0c
0.0(
0.0(
Residents
4. Loans to lndividuals
rOTAL
651 50007000200000
651 50000000000000
0.0(
0.0(
0.0c
Closing
Balances
0.0c
0.0(
Charge-offs
directly
direc{ly
recognized in
proflt or loss
recognlzed in
profit or loss
0.0(
0.01
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Schodule l1c2
1ot1
Loans and Receivables - Others
Movements in Allowances for Credlt Losaes
Foreign Regular
Partlculalt
Account Code
Openlng balanco
Wriie-offs takon
against the
allowanco
-oans to Govsrnment
,lational Government
JS
iOCCs
iocial Securitv Institutions
651 500005001
)lher Financial
651 500005001 23200
{on-Financial
2 graan Relom / Other Agricultural Loans
)thsr Aoricultural Credit Loans
3.1 Microenlerorise Loans
,licrofinanF LGns
Clher Microenterorise Loans
4 Small and Medium Enterprise Loans
r. lSmall Scale Enterprises
. lMedium Scale Enterffise
lontracts to Sell I
6 -oans to Private CorDorations
rnancial
651
50002500100000
1651 50002505100000
651
50003000100000
60000
1 651 50003500161000
1 651 50003500162000
1 651 50004000100000
1 651 5U)04500100000
651
651 500035001
\rotor vehrcle Loans

Auto Loans
1651500045101 00000
1651 500045101 7't 000
lMotorcycle Loans
,. lurners
0.0(
0.0(
0.0(
0.0(
0.0(
00(
0.0c
0.0(
0.0(
ConsumDtion Loans
-oans to Individuals br Other PurDoses
651 500045051
o.ol
0.0(
0.0(
0.01
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0.0(
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1 651500045101 72000
1651500045121 00000
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50005000100000
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1651
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0.0(
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or loss
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165't 5000251 0100000

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651 5000201 0100000
lredit Caftl
rOTAL
651
-oans to Individuals 'or Housinq PurDoss

8 -oans to Individuals Primarily for Personal Use Purposes
Salarv-Based GeneraFPuroosa
or losa
23't00
50000500123300
50001000r00000
1651 50001005100000
1 651 500010r01 00000
1651500020001 00000
1651 500020051 00000
1
). lNon-Financial
los3ea
Specific allowancas for individually assessed financial assets and Specitic allotrances for collec-tively assessed financial assets
Peso
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1651 500005001 20000
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| 651 50000500 t 22000
1 651 500005001 23000
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Lo$..nd RacatY.bt.. - oth",!

Iov.m.ni. In Alowrnc.| ior Crtdtt Locr..
*rr&*
FCDIJ,EFCDU
Writedfs taken
Particulars
'l
-oar6 to Govmment
r. lNational Govemment
,. ILGUS
SOCCs
1.
iocial Security InstiMions
)ther Financial
3.
{on-Financial
?rian Reform / Othr Agricultural Loans
Agricutural Credit Loans

t4icroerterorise Loans
Cthr MicroenterDrise Loans
4 Small and Medium Enterprise LoarE
\4edium Scale Enterorise
l_;ontracts to sell
:inancial
Account Code
-oalE to Individuals Primarily for Personal Use purposes

lredit Card
[otor vehicle Loans
\uto Loans
l.
65150q)2500100000
1 00000
1651 50002510100000
1
1
aside
fol
logses
Amounts
raversod for
Racovori6s
Other
adjustment3
Closing
Balance3
loasea
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165r 5m03000100000
1 65150003s00160000
165150003500161000
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50003500162000
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r651 50(XX000100000
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r 6515q)O45001000(x)
165150004505100000
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16515009510100000
o.o(
1651 500045101 71
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000
1 651500045101 720q)
1651500045121000(n
lothers
1051
-oans to Corporations
Individuals
Arnount3 set
651 50002505
)torcvcle Loans
Jsalary-Basd Genral-Purpose ConsumDtion Loans
o .oans to Individuals for Other Purooses

{on-Resldentg
1. ;entral Govemmert/central Banks
2 Juuic Sector Entfies
agalnst the
allowance
Spcific allo^rances for irdividually assessed financial assets and Specitic allornces for collec{ivdy assessed financial assets
Pe60
Peso
InUS$
InUS$ Fariw InUS$ Pe6o InUS$ Peso InUS$ Peso
Eouiv
Eouiv
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1 65150000000100000
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16515fin05(U20000
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1651 50000500121000
1 65150000500122000
1 65150000500123000
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r651s(xDos(x)123100
r651 50000500123200
1 65150000500123300
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1651 500010051000(n
16515m010101000@
'1651500020001mo00
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1651 50002005100000
165150002010100m0
1651
Opening balanc
50q)4515100000
1 65150005000100000
1651 500fi)000200000
16515(n055002qxn0
o.0(
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16515m06000200000
1651
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50006500200000
r651 50007000200000
16515000ff)0000(xrc0
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Lo|n3 and
Ioy.ma|l|!
sdLdut l,toa
ldr
Rac.Mu...olh.E
In
Allow.m.. for crldft Lo..er
Forclgn Olllccr
Account Code
Partlcula13
lesldents
1.
-oans to Govemmenl
t. {ational Govemment
-gUS |
iOCCs |
|
|
lsocial Securiw InstitutiorNs

lOther Financial
lJ.
lNon-Frnancral
\granan Ketorm / 9ther Agncutturat L@ns
3.

)ther Aqricultural Credit Loans
I Mrcroenlerprise Loans
lb. loltEr Micrmlmise I mm

4.lsmall and Medium Entrprise Loans
Opening balance
Wrlte-offs taken
egalmt the
allowance
Amount3 set
aside fol
los$es
Amounts
reversed for
Recoverles
Other
adjustments
loaaes
Specific alloffancs for individually asse6sd financial assets and Specific alb^nces for collec{ively assessd financial assets
Peao
Pso
Peso
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1651 50000500121 000
165150000500 r22000
1 651 50000500123000
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1 65150000500123200
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1651 500010001 00ooo
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smo1005100000
165150@1010100000
I 65150002000100000
165150q)2005100(n0
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165150(n25001ofirco
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1651 5@025101000(x)
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1 651 50003500160000
1 65150003500161000
1 651 50003s00162000
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lMeorum sca|e tsilerDns
6.lLoars to Private Corporations

a. Financial I
lb. lNon-Fimncial
.lLoans to Individuals for Housino Purooses

6 -oans to IndivadLlals Primarily for Personal Use Purposes
a.
b.
Card
Credit
I
Motor Vehicl Loans
5aEry-EaSeO General-Pufpo6e uonsump0on Loam
d.
lumers |
e.l Loans to IndMduals lof otrlr PurDoses

{on-Residents
ientral Govemmenucntral Banks
2 Juuic Sec{or Enlitaes
3
4
-oans lo GorDorations
-oans to Individuals I
IOTAL
0.0(
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50004500100000
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1651500q510100000
r651 5q)04515100000
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6515000550020m00
16515000600020m00
1651 500065002()0000
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1651
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1651
50000000000000
0.0c
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651500040001 00000
1651
InUS$
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1651
lo.
Closing
Balances
InUSS
InUS$
o.0(
0.0(
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0.0(
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Gross Loans and Receivables . Others (At Amortized Gost)

Total Amount
/ Type of Loans
4. Loans to Individuals
Schedule 11d
1of 6
Schedule 11d
2
ol6
Gross Loans and Receivables - Others (At Amortized Cost)

Total Amount
iE
Type of Buslness / Industn
Account Code
aEr
lorrowers / Type of Loan6

{dditional Intomation
uunenl
!.
G:
E6
a:
ol
.fie
c
"9
ct
$;f
=o
at
E'F'ss
oo
FFFEf
t.
l.
t.
E gF
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1401 5001 8505600000
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
401 5001 851 0600000
0.0(
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
401 5001 851 5600000
0.0(
0.0c
0.0c
0.0(
0.0(
0.0(
0.0(
ltems in Litiqation
Real estate loans under Circular No. 600
140'150018520600000
1 401 5001 2805600001
0.0(
0.0(
0.0c
0.0c
0.0c
0.0(
0.0c
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Reaf estate exDosures under M -2012-046
14015001 3500700000
0.0(
0.0(
0.0(
0.0c
0.0c
0.0c
0.0(
Past due but not )t non-performing

Past due and already non-performing
Schedule
lld
3 of 6

Tota! Amount
b.
Other Aqricultural Credit Loans
8. Loans to Indlviduals for Other
140150004512100000
Schedule 1ld
4ofG

Total Amount
Account Cods
l.
l.
l.
i.
i.
Cunent
Past due but not )t non-performing
ee.;E
EEsE
So|rowera / Typ6 of Loans
:
140150018505600000
Itr
so
G5
5
ii690
Type of Business / Industr:
ooED
.E
60
o
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EFE
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6.9
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0.0c
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1401 5001851 5600000
0.0(
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1401 5001 8520600000
0.0(
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0.0(
0.0(
0.0(
ltems in Litiqation
Real estate loans under Circular No.600
1401 5001 2805600001
0.0(
0.0(
Reaf estate exoosures under M-2012-0/,6
14015001 3500700000
0.0(
Schedule
lld
Sofo
Gross Loans and Receivables'Others (At Amortized Gost)

Total Amount
*iggg;FEi
lld
Schedule
6
of6
Gross Loans and Receivables - Others (At Amortized Gost)

Total Amount
T
Account Code
-9
6
:
a)
uJ
3orrowers / Type of Loans
L
!.
l.
|.
PE
E=s
cE.l
e$
FE6
'TF
60ti
*Fs
E5
=o
Type of Business, Industr!
FE
IE.e
go.!rE
.Es
EigEEfFEgi
iEg't
-fio
Cunent
14015001850560m00
0.u
0.ot
0.0(
0.0(
0.0(
0.0(
Past due but not yet non-performing
1401 5001 8510600000
0.0(
0.0(
0.u
0.0c
0.0c
0.0(
401 5001 851 5600000
0.0(
0.0(
0.0(
0.0[
0.0c
0.0(
t401 5001 8s20600000
0.0(
0.0(
0.0(
0.0(
0.0c
o.ot
0.0(
0.0c
0.0(
0.0(
0.0(
0.0(
0.0t
0.0c
0.0(
ltems in Litigation
Real estate loans under oircular No. 600
1401 50012805600001
0.0(
0.0(
Real estate exposures under M-2012-046
1401 5001 3500700000
0.0(
Schedule 11dl

Peso Accounts
Account Code
1401 500020001 00000
1401 50002500100000
1401 50003500160000
7. Loans to lndividuals for
8. Loans to Individuals for Other
gFFE'
E'g'sg
of 6

Peso Accounts
Account Codo
Schedule
gFF
Po
os
ol
SG
E5
=o
lddltlonal Infomdlon:
1401 50018505600000
z.
t.
Past due but not lret non-performing

i.
i.
LrIrgal|on
Real estate exposures under M-201 2-(X6
r4015001 8510600000
1401 5001 851 5600000
1401 5001 8520600000
1401 5001 2805600001
1401 5001 3500700000
l{dl
2of6
6
J
0
af
c
6
ijte
g;gF
gFFE'
a
c
o
E'F'sg
;Eg
/tunsos
l?!.os /uoslnduoc
:o3uefao pue
uollErls!ulurpv
c!lqnd
o
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oo
tto
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to
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3o
L
o
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o
I
o
o
lt.E
o
(,
o
0t
It
Fg
-=
.!o
o(,
]o
;<
toO
oo
EO
c,o.
o
o
Schedule

Peso Accounts
tq
Type of Business
Industn
Account Code
o
t
oo
ECD
6F
b9
cL ctt
o
t
lorrowerc / Type of Loans
l.
t.
i.
t,
Cunent
1401 50018505600000
1401 50018510600000
Past due and alGady non-performing
1401 5001851 5600000
Items in Litioation
1401 50012805600001
Reaf estate exoosures under M-2O12-0/,6
1401 50018520600000
401 5001 3500700000
lldl
4ofG
ttc
ro
E5i
EE
G3
EE
bE
EO
=C'
o
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9==
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r!E<
co
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o=
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pi
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FE
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EEE
i3fi
E3
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, [{n
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6 UrX o:
c
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G
g
It
u.l
fite
Frt
EU'
i
Schedule

Peso Accounts
Account Code
1401 500025101 00000
lldl
5ofo
giEegE$Ei
Schedule 11dl
6ofG

Peso Accounts
cgc
EO
o
Typo of Buslness
Industn
Account Code
se
;(,
50
iE
IE
EE
Eest
fe
t
o
iFftE*i:
gu
uunenl
14015001 8505600000
o.0(
2.
Past due but nol yt non-performing
14015001 85't0600000
0.0(
3.
4.
5.
14015001 851s600000
0.0(
ltems in Litiqation
1401 5001 2805600001
0.0(
0.0(
B.
Real estate exposures under M-201 2-046
't
401 s00t 3s00700000
0.0(
Schedule 11d2
1
Groas Loans and Receivables - Others (At Anortized Cost)
Forlgn Rogular
Eg
!o
TE
Borrowerc / Type of Loans
s&
oE
=E
of6
Schedule
lld2
2ofG
Gross Loans and Rcelvables

Foreign Regular
OtheE (At Amodized Costl
g
Type of Buslness / Industr)
5
ct
Ee
dF
tnal Infiomatlon:
l.
f.
5.
b.
Cunent
Past du6 but not yet non-Derformino
Past due and alr8adv non-oerformino
ltems in Lithation
Real estate exoosures under M-2012446
1401 50018505600000
140150018510600000
1401 5001 851 5600000
401 5001 2805600001
1401 5001 3500700000
(9
I
.E
E
E
o
a5
ct!
!E
at,
E
.E
!
c
G
-o
6.9 o
E;>O
g
F
6
8o
oc
l!=
ct'!
=|l
Bonowerc / Type of Loans
.E
e
e
5
tt,
$fiEE
t=
Et
?dEs
; Fe
o 6:
g:
=
.9
6=
z.n z
o
c
o
cE
'8 E
0
o
g*g
f;qi
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EEP
E'i
o
sE5
ln
Peso
In
Peso
ln
Peso
tn
us$
Peso
ln
us$
Peso
ln
Peso
ln
Eouiv.
Eouiv.
US$
Eouiv.
US$
Eouiv.
us$
EOUIV
US$
Equiv.
us$
Peso
Fotriv
ln
Peso
us$
Eouiv.
Schedule 1ld2
Gloss Loans and Recelvables
Forcign Regular
- Others (At
3of6
Amortized Cost)
Account Code
Bonowe.s / Typo of Loana
1. Loans to Govemment
Schedule 11d2
4
Gtoss Loans and Recelvables

Forrlgn Regular
6
c
Type of Buslnoss / Indust4
E!
E Io
o
6
us$
l.
i.
t.
Cunent
Past du but not vet non-Derformino
Past due and alreadv non-orformino
ltems in Litioatbn
Realestate loans under Circular No. 600
Real estate exposures under M-2012446
1401 5001 8505600000
401 5001 851 5600000
401 5001 8520600000
14015001 2805600001
14015001 3500700000
Peso
Eouiv.
g
g
E!
lr!<
ut
o
o
ee
EEI
6(,tt3
fEE
Ett
E;
ln
Peso
ln
Peso
us$
Eouiv.
us$
Fnrriv
ln
lrsn
.g
G.-
Es
-og
E EB
E Eg
EE
6E
qo
=c,
F
ln
6J
c
Bonowors / Typo of Loans
.9
trc
CO
o=i
-6
6-s
co o
l.
of6
Otherr (Al Amortlzed Cost)
Peso
ln
Peso
ln
Eouiv.
us$
Eouiv.
us$
o
o
o
t
o-
Peso
Eouiv
o
-to o
EE UI;
EE bE
o5
a(,
{u =o
eo
E
CF
af
o
J
E
tu
tn
Peso
ln
Peso
us$
Equiv.
us$
Eouiv.
Schedule
lld2
SofG
Grcss Loans and Recelvables

Foreign Regular
- Others (At
Amortized Cost)
eg
62
t:
E=
:_fE5E
f s'= i
o:
Account Code
E6
=0
!o
at
Bonowers , Typ of Loans
h o g
.o=9E
EOC.gE
:rodc
B oE.9
.E
o'
e
oo
E6
}5ED sa sg
- O=E
I
-
0 0 -!
o
6
t
o
e
I
c' o.
I
I
!
TE
{ggt
5rFu
Schedule 11d2
6of6
Gross Loana and Receivables . Others (At Amortized Cost)
Forcign Regular
o
oc
e'g
E:i
*E
o!
Type of Buciness , Industq
us$
Addltlonal lnbrmation:
Cunent
2. Past du but not Vet non-oerformino
3. Past du and alreadv non-oerformino
ltems in Litigation
b. Real estat exposures under M-2012446
l.
{.
3!
!
E
d
E o
4O
=o
o
In
o
0
o
F;
EG
BorroweE / Type of Loans
'iE
tEFu
Ei
9oo
{est
EE
*EEE
EP
;85
EE
Peso
Eouiv
tn
Peso
tn
us$
Equiv.
us$
Peso
Eouiv.
TE
gt
6
.o
F
<o
ln
Peso
ln
Peso
us$
Equiv.
us$
Eouiv.
14015001 8505600000
0.0(
140150018510600000
1401 5001 8515600000
0.0c
0.0c
0.0c
140150012805600001
1 401 5001 3500700000
0.0c
0.0c
Gross Loans and Receivables
- Others (At
Schedule 11d3
Amortlzed Gost)
FCDU'EFCDU
Account Code
Bor"oweF / Typ6 of Loans
of 6
Gross Loans and Recehrables
- Othors (At
Schedule 1'ld3
Amortlzed Cost)
FCDU'EFCDU
o
o o
ro E
Typ of Buslness
9o
G.=
ob
s
!E
Indust4
:6
gt
Boniowerr / Type of Loans
uurTenl
1401 50018505600000
2.
Past due but not yet non-perfiorming
1401 50018510600000
l.
1401 5001851 5600000
0.
5.
ltems in Liligation
1401
Real estate loans under Circuhr No. 600
1401 50012805600001
i.
Reaf estate exposures under M-2012446
'1401
50018520600000
50013500700000
tn
Peso
ln
US$
Equiv.
us$
5
o
3a.;
$Es
J
E
o
E F=
=o
Peso
Eouiv
ln
us$
dr.-E
o
E
,o
69o
=>o
s d=
E
-9
3
e
g
(,o
gFFEi
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-o
Peso
Eouiv
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>
Es6
s
E'F'sg
t<
ln
Peso
ln
Peso
ln
Peso
ln
Peso
ln
Peso
us$
Eouiv.
us$
Eouiv.
us$
Eouiv.
us$
Eouiv.
lls!n
Eouiv.
Grcss Loans and Receiyables
Schedule 11d3
OtheB (Al Amortlzed Cost)
3of6
FCDU/EFCDU
Account Cod
Bonowers / Type of Loans
1401500045101 71000
140150004515't 00000
4. Loans to Individuab
Gross Loans and Receivables
- Others (At
Schedule l1d3
Anortizod Cost)
FCDU/EFCDU
E
g
ttg
co
o.5
-6
6.9
Type of Business
o
o
Indust4
o
o
OE
EF3
o:=
.iE6
lu(
:(J
=o
of
EE
gt
iE=
EO
oo
E E'E
o-9
-9
ol-\
g.o
9=
uJ>
p<
EE
E'
Bonowers / Type of Loans

4ddltlonal hfomatlon:
l. Curent
1401 50018505600000
L
t.
4015001851 0600000
Past due and already non-prforming
401 5001 851 5600000
r.
|Iems
i.
i.
Lmgaflon
1401 5001 8520600000
Real state loans under Circular No. 600
1401 50012805600001
Real estate exposures under M-2012{46
401 500 1 3500700000
ln
Peso
us$
Forriv
ln
US !R
g .- .g
o
Ooo
$c
EEi
EI
oE=
OE;:
o'=
=
-E
GO
o
o
,EH3.E
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6=
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EH=
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B
6
I
I
o
=
E
uJ
H'
()
Peso
ln
Peso
tn
Peso
tn
Peso
ln
Peso
Peso
Equiv.
Eouiv.
us$
Fnrriv
us$
ln
US$
us$
ln
Eouiv.
Eouiv
US$
Eouiv.
us$
Peso
Fdiliv
E|'
e8n uno
Jor sploqesnoH Jo
seBt^ll3v 6u!JnpoJd
PelB!lueJejr!pun
pue sJololdulS
3e sploqesnoH
lo 3e!l!^!lcv
oo
o
o
E
.!
E
I
ID
o
go
a6
6o
o
E
E
g
6-
P6
o(,
9r
Jul
xo
.E()
g,|l
Gross Loans and Recelvables
Schedule 11d3
6ofG
Others (At Amortlzed Cost)
FCDU/EFCDU
E
E
GI
:9
:>=
Type of Bueiness
lndustq
E
o
I
o
e.
iEi
Eoa,
Account Godo
o o<
eut
I
ct
Borrowere / Type of Loans
ln
lsc
qdditional Info]mailon:
l.
t,
r,
t.
iE
ia
9o
c-9
o=
.o
"9
H*Et
.2
o9
s<
E
t
fEFEEFE'
fEEH
6g
<o
Peso
ln
Peso
ln
Peso
tn
ln
Peso
Equiv.
us$
Peso
Eouiv.
US$
Eouiv.
US$
Equiv.
us$
Equiv.
Cunent
1401 50018505600000
Past due but not yet non-perficrming
1401 5001 851 0600000
0.0(
1401 5001851 5600000
0.0(
1401 50018520600000
0.0(
rrems
n L[Eaflon
Real estate loans under Ckcular No. 600
1401 5001 2805600001
Real estate exposures under M-2012446
1401 5001 3500700000
0.0(
0.0(
0.0(
Gross Lo.n! end Receivabl63 - Others (At Amortlzod Co3t)

Forcign Oficeg
Borowm
/ Type of Loans
Schedule 11d4
1of 6
Schedule 1ld4
Gtoss Loans and Receiyablas . Others (At Amortiz.d Cost)
Forelgn Offi6s
iE
TtD. of BBlno.s
Borowm
/ Type of Loans
ln
us$
l.
Current
Past dus but not !t non-porfoming
t.
L
t.
Past due and already mn-perfoming
6.=
ots
5EE
Account Code
140150018515600000
ltems in Litigation
1401
Real estate exposurss under M-2012-046
1401 5001
50012605600001
3500700000
Peso
Eouiv.
I
c
t
9o
: :.-g
g i,:
<l;
Indui|n
.sF
ct
-o
=o
ln
uss
Psso
In
ilsR
Peso
Eouiv
3*s
a! ts
5;!F
Eg
Fg
i
OE
;a
ET
c
(t0
tn
ts33O
tn
us$
Equiv.
us$
Psso
Eouiv.
Eg
Eii
E:E
EOO
I'g'gg
ln
Peso
us$
Fnrriw
tn
ltRt
Peso
Eouiv.
!8"
tn
US$
Peso
Eouiv
ol6
Gross Loans and Receivablos . Othors (At Amortized Cost)

Forelgn Ofices
Bonowg6 / Type of Loan3
Schedule 1'ld4
3of6
Schedule
Forolgn Oficas
!
c
c
oo
=o
Type of Busines
Industn
o
o
tn
us$
Curent
2. Pst due but nol lrt nonferfoming

Past due and already nonfortoming
ltems in Litioation
Real
state
loans undar Circular No. 600
Real sstate ercsures under M-2012{46
:
:-
=E
cF
r!<g
-lE
6C>
c 6E
5.9
et
EEE
o,=:
i3E
e.<
gF
.4,69r
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:-
t5
!,
it
E aE
.,E!?a
EEi
F;q
d.=-=
E
-9
G
EA
:FF=A
BorowaB , Typo of Loang
t.
l.
t.
t.
EF3
o
!
EO
!
c
b9
eo
Account Code
l.
tld4
4ofo
Gross Loan3 .nd Rocoiyablos - Olhors (At Amortized Cost)
14015{p1 651 56q)Oq)
Peso
tn
us$
P6so
Fnlriv
ln
us$
Peso
ln
us5
Peso
Fd0iv
tn
us$
Peso
ln
us$
Paso
Eouiv.
ln
us$
Pso
tn
US$
Psso
Eouiv.
EI;
#l
asn uno
ior sPloqe3noH
lo 30!l!^Drv
.pu&3poo0
pelB!lu.rql!pun
pu3 sro,(otduf
re sploqaanoH
,o 3all!^nrv
o
(J
8
E
o
E
o
o
E
6
o
oo
6
o
co
!
Ft
c
EO
J=
oo
8'E
_!o
Schedule 11d4
6oto
Gro33 Loans and Rocolv.blo. - Olhffi (At Amoruz.d Co3t)

Forolgn Ofrcar
!
c
Typs of EuCnos.
t3!
E=E
lndustn
tn
us$
Cursnl
Poso
Eauiv,
iE
i:
3;
cos
. o<
ea
t
Account Codo
Borowors / Typo of Loena
c
.9
E
!
c
E6
HEi r
gEEE
iiFggEii;
5<
ln
Paso
tn
Peso
us$
Fdriv
us$
Fd"iv
ln
ust
Peso
Eouiv.
EFi
EO
i5
tn
us$
)oso Equiv
0.0(
1401500165106q)000
Past dus and aksady nonfrfoming
0.(x
0.(x
Itams in Litigation
0.0(
Real ostata loans under Circular No. 600
401 5001 2EO5600001
0.0(
Rsal sslate sxoosures under M-20'12{46
401 5001 3500700000
0.0(
Loans and Receiyables . Others

Classlfled as to Status Per PAS 39
Total Amount
(For Annual Submlsslon)
Carrying amount of unlmpairad

a83et3 beforc allowance for
credlt loasea
Primarily for Personal Use Purposes
Carrying amount of past du6 a$ot3 boforo allowanco ior credit

> 3ll
days
40
days
>90day3 i180days
lossa
>l8odays <lyoal
Schedulo
lle
Pago 1
of2
Schedule 1le
Page2
Loans and Recelyables - O'therE

Classified as to Status Per PAS 39
Total Amount
(For Annual Submlssion)
Carrying amount of the impaircd

Particulars
loaseB
for
Collator.l and other crdit

enhancemnta recaived r.
socurity for tho rulated lmp.ircd
Specific allowanc$ for
aaseta
a3aota
and past due
Total
a$ots
401
500000001 00000
0.0c
0.0(
0.0(
0.0(
50000500120000
0.0(
1401
0.0(
0.0(
0.0(
0.0(
0.0(
r401
50000500't21000
0.0(
0.0(
0.0(
0.0(
22000
0.0(
r401 500005001
0.0(
0,0(
0.0(
0.0(
0.0r
401 500005001
23000
0.0(
0.0(
0.0(
0.0(
0.0(
500005001 231 00
0.0(
0.0(
0.0(
0.0(
50000500123200
0.0(
0.0(
0.0(
0.0(
0.0(
r4u1 cuuuubuol z33uo
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
00000
0.0(
0.0(
1401 50001 0051
00000
0.0(
0.0(
0.0(
0.0(
0.0(
401 s0001 01 01
00000
0.0(
0.0(
0.0(
0.0(
50002000100000
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0c
0.0(
0.0(
1401 500010001
1401
'1401
0.0(
0.0(
0.0(
0.0(
50002500100000
0.0(
0.0(
0.0(
0.0(
0.0(
500025051 00000
0.0(
0.0(
0.0c
0.0(
0.0(
0.0(
00000
0.0(
0.0(
0.0(
0.0(
50003000100000
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
60000
0.0(
0.0(
0.0(
0.0(
0.0(
500035001 61 000
0.0(
0.0(
0.0(
0.0(
62000
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
00000
0.0(
0.0(
0.0(
0.0(
0,0(
401500045001 00000
0.0(
0.0(
0.0(
0.0(
00000
0.0(
0.0(
0.0(
0.0{
0.0(
0.0(
0.0(
1401 5000251 01
r401
r401 50003500't
1401
1401 50003500
1401 500040001
401 500u45051
0100000
0.0c
0.0(
0.0(
0.0(
401500045 101 71000
0.0(
0.0(
0.0(
140150004510t72000
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.01
1401
5000451 21 00000
0.0(
0.0(
0.0(
0.0(
0.0(
1401
5000451 51 00000
0.0(
0.0(
0.0(
0.0c
0.0(
1401
500050001 00000
0.0(
0.0(
0.0(
0.0c
50000000200000
0.0(
401
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
401 5000451
l.lCentral Governmenucentrat Banks
SpecifiG allowancos
Account Code
140150005500200000
2.lPublic Sector Entities
140150006000200000
0.0(
3.lLoans to Corporations
0.0(
0.0(
0.0(
1401
50006500200000
0.0(
0.0(
0.0(
0.0(
50007000200000
0.0(
1401
0.0(
0.0(
0.0(
0.0(
40150000000000000
0.0(
0.0(
0.0(
0.0c
0.0(
0.0(
4.lLoans to Individuals
rorAll
Schedule 11el
Loans and Recelvables - Others

Classlfied as to Status per pAS 39
Peso Accounts
(For Annual Submission)
Page
Particulars
Carrying afiiount ot unimpai.d
Account Code
<0
loases
r33ident3
| |
|
lLoans to Govemment
Carrylng amount of past duo assots boforo allowanco for

Days
> 30
0.0(
1401 500005001
{atronal Government
.GUs
40
days
>90day3 <180days
> 1E0
losseg
days
<1 ysar
>
of 2
I yoar
0.0(
0.0(
0.0(
0.0(
0.0(
0,0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0c
0,0c
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0c
0.0(
0.0(
0.0(
o.ool
0.0(
o.o0l
0.0t
20000
1401 500005001 21
days
cndit
000
1401500005001 22000
140 1 500005001
23000
1401500005001 231 00
YOn-Frnanctal
qqrarian Reform Loans
1401 500005001
23200
't401 500005001
23300
I 401
Jther Agricultural Credit Loans
500010051 00000
1401 50001 01
140'1
0100000
500020001 00000
1401 500025001
00000
Conlracts to setl
Inanciat
1401
401 500040001
00000
1401 500045001
00000
00000
500035001 62000
-oans lo Individuals primarily for personat UseFuroos6
401 500045051
401
50000000200000
1401
50005500200000
2.
-oans to Coroorations
140150006500200000
Individuals
urALl
401
50007000200000
Schedule
llel
Page 2 ol 2

Peso Accounts
Carylng rmount of the lmpalrGd

Partcular3
Spocific allowances
for
coilgflY3ry
loaaes
1401
Collatoral and othar crdll
Spclllc allowancos tor
Account Code
a330t3
security tor tho rclatod lmp.lrad

and past due aslgt3
aa3eta
500000001 00000
0.0c
0.0(
0.0(
0.0(
20000
0.0c
0.0(
0.0(
0.0(
1401 500005001
1401 500005001 21
000
500005001 23000
1401 500005001 231
0.0(
0.0(
0.0(
0.0(
1401500005001 23300
1401 50001 0051
00000
1401 5000't 01 01
00000
401500020001 00000
1401
0.0(
0.0(
1401500005001 23200
00000
0.0(
0.0(
0.00
00
1401 50001 0001
0.0(
0.0(
1401500005001 22000
1401
Total
0.0(
0.00
0.0(
0.0(
0.0(
0.0(
0.0(
0.0c
0.00
0.0(
0.0(
50002005't00000
0.0(
0.0(
0.0(
0.0(
140150002500100000
0.00
0.0(
0.0(
0.0(
r40150002505100000
1401
50002510100000
1401 500030001
'1401
lNon-Financial
7 -oans to Individuals for Housing Purposes
0.0(
00000
0.0(
500035001 60000
1401 500035001 61
r.
0.0(
0.0(
0.0(
000
401 500035001
40150004000100000
0.0(
0.0(

1401 500045001
jfedrt card I
{olor Vehicle Loans
40150004510't00000
Auto Loans
401
Motorcycle Loans
401500045 101 72000

r401 5000451 21 00000
)thers
14015000451 5100000
ton-Residents
1401
50005000100000
401
50000000200000
r401
50005500200000
401
50007000200000
lentral Governmenucentral Banks
Individuals
|
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
500045101 7't 000
tarary-Based GeneraFPurpose consumption Loans
4.lloans to
0.0(
401500045051 00000
-oans to Individuals for Other Purooses
rvr^Lt
00000
r401 50000000000000
o.0(
0.0(
62000
0.0(
0.0(
0.0r
0.0(
o.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.001
0.0(
0.0(
0.0(
0.0(
0.0(
Schedule'lle2
Page

Forelgn Regular
Carrying amount ot unlmpair6d assets

before allowance for credit lostet
of 3
Carrylng emount of past due assets bofore allowance f(

> 30
days 40 days
> 90
days
<180 days
Schedule 11e2
Page 2 of 3

Forelgn Regular
r credit lossos
Particulara
Account Codo
> 180 days
InUS$
tesidonts
1.
-oans to Govemment
\ational Govemment
0.0(
0.0(
140150m0500120(n0
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.q
0.0(
0.0(
0.0(
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.tr
0.0(
0.0(
0.0c
0.0(
0.0(
0.0(
0.tr
0.0c
0.0(
0.0(
0.0(
0.0(
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
o.ool
o.ool
0.001
o ool
o.ool
o.ool
0.ool
0.0
1401500005m121(x)0
r
22000
00
140150000500123200
140150000500123300
140150001 0001 00000
140150001 0051 00000
1401 5000'10101
00000
r40r50@2000100000
Micronnance Loans
1401500020051 00000
Othr Microenterprise Loans
140r500020101 (xxDo
tmall and Medlum EnteQrise Loans
1401500025001 00fi)0
14015m02505100000
140150002510100000
i.;ontracts to Sell
140150003000100000
-oarE to Private Coroorations

;rnancial
140150003500160000
{on-Financial
140150003500161 000
140150003500162000
't401500040001 00000
1401500045001 00000
t.
lredit Card
vlotor Vehacle Loans
MOIqCIEe LGnS
140150004510172(n0
-oans to Indavaduals for Other Purposes
rOTAL
14015m045101000(n
1/10150004510171m0
)thers
q
14015m045051000(n
Auto Loar|s
ialary-Based General-Purpose Consumption Loarts
Peso Eouiv.
0.0(
\granan Relofm Loans
7 -oans to Individuals for Housino Purposes

E -oans to Individuals Primarily for Personal Use Purposes
InUSt
Peso Equiv
0.0(
1401500005001231
a.
InUSg
0.0(
'1. Jsocial Security Institutions
Peso Equiv.
0.0(
1401 50000500
InUS$
assessed financial assets
0.0(
140150000500123000
3. i,licroenterprise Loans
Peso Equiv.
t year
0.0(
3OCCq
lNon-Financial
\grarian Reform / Oth6r Agricultural Loans
>
1401s(x)00000r00000
-GUs
lOther Financial
<l year
Carrying amount of the impaired

assets before allowance for credit
losses
1401s0004512't 00000
14015m04515100000
1401
500050001000(n
1401
50000000000000
Schedule
Loans and Recelvables - (Xhers

Forelgn Regular
Padlcularr
Account Code
Specifl c allowances for collectlvely

asso3sod flnanclal as3ot3
uotr4erar anq olnSr cto|l

Bnhancamsnla recolved a3 security for
the relatod lmpalrd and past due
Totel
a33et3
InUS$
lesldents
-oans to Govemmnl
Pelo Eoulv.
InUSI
Pe3o Equiv.
140150000@0100@0
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
140150000500120m0
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
14015(rc(n500121000
0.0(
0.0(
-GUS
l/O15(xn05m122m0
0.0(
0.0(
140150000500123000
InUS3
Peso Equlv
\,lational Govemmenl
1. lsocial
Security Institutiofts
0.0(
0.0(
0.0(
0.0(
140150000500123100
0.0(
0.0(
0.0(
0.0(
Other Fanancial
1401s0000500123200
0.0(
0.0(
NorFFinancial
1401500(n5q)1233(n
0.0(
0.0c
0.0(
0.0(
\grarian Reform / Other Aqricuftural Loans
1401
50001000100(n0
0.0(
0.0(
0.0(
0.0(
\grarian Refom Loans
1rrc15m010051(nno
0.0(
0.0(
)ther Agricultural Credit Loers
140150001010100m0
0.0(
0.0(
vlicaoenteerise Loans
r40r500020@100@0
0.0(
0.0(
0.0(
0.0(
0.0(
Microlinance Loans
140 50002005100000
0.0(
0.0(
Other Micronterprise LoarE
140 5q)o20101m(rco
0.0(
0.0(
imall and Medium Entorprbe Loans
140 s0002500100000
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
lmall Scale Enterprises
140 s0002505100000
0.0(
0.0(
rildium :icale EnterDfise
140150(n25101(Xxrc0
0.0(
0.0(
5 ;ontracts to Sll
1401500030001(Xmo
0.0(
0.0(
o -oam to Private CorDorations

l. -inancial
1401
50003500160000
0.0(
0.0(
1401
50003500161000
0.0(
0.0(
140150003500162000
0.0(
0.0(
140150@100010(m0
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0r
{on-Financial
7 -oans to IndMduals lor Ho6im PumGes
E -oans to hdividuals Primarily for Personal Use Purpcs
0.0(
)redit Card I
140150004505100m0
,lotor vehide Loans
1401
0.0(
0.0(
50004510100000
0.0c
0.0(
0.0(
0.0(
0.0(
0.0c
0.0c
ArJto Loans
140150004510171m0
0.0(
0.0(
Mqqoy'cE LOaGi
140150004510172000
0.0(
0.0(
ialary-Basd General-Purpose Consumption Loans
140150095121000q)
0.0(
0.0(
)ttters
r401 5000451 5100000
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
-oans to Individuals for Other Purpocs
rOTAL
0.0(
1401500q5001(XxDo
0.0(
t.
lle2
Page 3 of 3
1401
50005(n0100000
1r101
50000000000000
0.001
o.ool
0.001
0.001
Schedule
lle3
Pago 1 of 3

Glasslfied as to Status Per PAS 39
FCDU/EFCDU
Carylng amount ot paat due a3sets bofore allowance fr
Carrylng amount of unimpalred a3set3

before allowance for credit logaes
> 30
days 40 days
>godays i180dayg
Schedule 11e3
Page 2 of 3

Classifled as to Status Per PAS 39
FCDU/EFCDU
(For Annual Submisslon)
r credlt lo3ses
Paaticulars
Account Code
> 180 days <1 year
InUS3
Residente
-oans to Govrnmenl
,.
{atronal Government
.GUs

lNon-FinarEial
Agrarian Rform / Other Agricultural Loans

a.
InUS$
PeBo Equiv.
Poso Equlv.
InUSt
Peso Eoulv.
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
1401
50000500120000
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
1401
50000500121000
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0t
0.0(
0.0c
0.0(
0.ff
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0{
0.0(
0.0(
0.0(
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.00
0.0c
0.0(
0.0(
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
r401500m500123100
1401
50000500123200
1/1015qn0500123300
140150001m0100000
1401
50001005100000
Jther Agricultural Credit Loans
1401
50001010100000
\4icroentrprise Loans
140150002000100000
,.
140150002005100000
Microfinance LoarE
Other MicronterDrise Loans
1401
5q)O2010100000
4. jmall and Medium EnterDrise Loans
1401500025001@m0
140150002505100000
Medium Scal Enterorise
140150002510100000
1401
t401 50003500160000
-oans to Private Corporations

Financial
50003000100000
14015fi)03500161000
Non-Finarrial
-oans to Individuals for Ho6ing Purpoces
InUS9
Peso Eoulv
trear
Specif ic allowances for individuallv
assessed financial assets
losses
r401 50000500122000
)thr Financial
3.
140150000000100000
140150000500'123000
I
>
140'150q8500162000
14015(n04000100000
-oans to Indivaduals Primarily fof Personal Use Purposes
1401500s500100000
,.
lredit Card
500(xs05100000
1401 5000451 01
00000
Auto Loans
1401500045101 71000
Motorcyrle Loans
1401500045101 72000
talary-Basd General-Purpose Consumption LoarE
140'r5fiXX512100000
Itters
140150(n451 5't00000
9. -oans to Individuals for Other Purpooes
[on-Residents
1
1401
ientral Govemmenucentral Banks
140150005fi)0100000
14015(n0(n00200000
1401
50005500200000
z. rublic Sector Entities
1401
50006000200000
140150006s00200000
-oans to Corporations
4.lLoans to Individuals
ALllll
140150007000200000
140150m0000000000
Schedulo

FCDU/EFCDU
Collateral and othor credit

Partlculars
Account Cod6
assessed flnancial assets
InUSS
te3identr
1
-oans to Govemment
\ational Government
Peso Eouiv.
InUSI
Poco Equiv.
0.0(
0.0(
0.0(
0.c(
140150000500120000
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
lsocrar scunty rltsmtno|ls

23?oO
140150000500123300
140150001 000100000
0.00
0.0c
0.0(
0.0(
0.0(
0.0(
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
140150001 0051 00000
0.0(
1401 50001 0101
00000
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
140150002000100000
Microfinance Loans
1401500020051 00000
OttEr Misonterpdse Loans
1401500020101 00000
Small and Medium Enterprise Loans
14015@02500100000
0.0(
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
imall Scale Entemrises
140150002505100000
0.0(
,ledium Scale Enterprise
0.0(
140150002510 100000
0.0(
lontracts to Sell
0.0(
1401500030001 00000
0.0(
-oans to Private CoDorations

l. =inancial
\|on-Financial
0.0(
1401500035001 60000
-oans to Individuals for Housing Purpoces
0.0(
0.0(
0.0(
0,0(
0.0(
0.0(
140 t50003500161000
0.0(
0.0(
1401500039)0162000
0.0(
0.0(
140150(XX000100000
0.0(
0.0(
8. Loans to Individuals Primarily for Prsonal Use Purposes

1401 500045001
00000
0.0(
lredit Card
b.
Auto LoarF
0.0(
0.0(
140150004510100000
0.0(
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0c
0.0(
0.0c
Motorcycle Loans
jalary-Based GeneraFPurpose CorEumptim Loans
0.0(
1401500045101 72000
0.0(
0.tr
1401500(X51210fin0
)thers
0.0(
0.0(
140150m4515100000
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
{on-Residonts
1401
5000s0001 00000
140150000000200000
lentral GovemmenUcentral Banks
14015000550020qD0
'uuic Sctor Entities
'r40150006000200000
3 -oans to Corporations
4. -oa]rs to Individr,Eils
1401500065m20qn0
IUIAL
0.0(
140150004505100000
140'1sfiXXs10171000
9 -oans to hdividuals for Otlrer Purooses
0.0(
\granan Rlofm Loans

Vlicronterprise Loans
r.
Pe3o Equiv.
0.0(
t401 500005001 22000
L@ns
InUS$
1401500(n000100000
140150000500123000
ranan Ketqm / uther Agncutturat
Total
the relatod impalred and past due

aaaota
140 150000500121000
-GUs
lr.
lle3
Page 3 of 3
0.0(
0.tr
0.0(
0.0(
14015000700020fln0
140150000000000000
0.0(
0.0(
0.0c
0.0(
0.0(
0.0c
0.0(
0.0c
0.00
0.0(
0.0(
0.0(
Schedule 1te4
Page

Foreign Offices
Carrying amount of past due assets before allowano
Carrying amount of unimpaired
asseb before allowance for credlt

lossog
> 30
days 40 days
> 90
days
<180 days
of 3
Schedule 11e{
Page 2 of 3

Classlfied as to Status Per PAS 39
Foreign Offices
for credit losses

Partlcula13
Account Code
> 180
days
lnUS3
tesldents
1
-oans to Govemment
l. National Govemment
LGUs
>
Peso Equlv.
Specific allowances for
losses
assets
I year
InUS$
Peso Equiv
InUS$
Peso Equiv.
InUS$
Poso Equlv.
1lm150(nqn01mo(n
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
1.101500005001ru000
0.0{
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.fi
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
14015m00500121000
140150000500122000
GOCCI
140150000500123000
1. lsocial
Security Institutions
fthor Financial
3.
<1 yoar
{on-Financial
2. \granan Relorm / Othr Agricultural Loans
1401500005001 23100
1401s0000500123200
1401
50000500123300
140150001000r00000
{grarian Reform Loans
140150001 005100000
f,ther Agricultural Credit Loans
140150(n10't010(XD0
vlicroenterprise Loans
140 r50002m0100000
Microfinance Loans
140150q)2005100000
Other Micronterprise Loans
14015000201010(xrc0
imall and Medium Enterprise Loans
1401500025001m000
imall Scale EnterDriss
1401sm02505100000
tledium Scale Enterorise
14015000251 01 00000
lontracts to Sell
1401500030001 00000
-oans to Private Corporations
1401
50003500160000
1401
50003500161000
:inancial
{on-Financial
E -oar}S to Individuals Primarily for Personal Use Purpo6es
140150003500162000
1401500040001 00000
140150qX5001 00000
t.
)redit Card
vlotor Vehicle Loans
1lnr5009505100000
1/t01500(X5101(Xxno
Auto Loans
140150004510171m0
MOIOTct/Oe LOanS
140150095'10't72000
Salary-Based GeneraFPurpooe CorFumption Lons
1ln150004512100000
Jthers
140150004515100000
-oans to Individuals for Othr Purposes
140150005000100000
Non-Residents
140150000000200000
lenfal
14015000s500200000
Govemmenucentral Banks
2. )ublic Sctor Entitie
?
4
-oam to Coroorations
-oans to Individuals
rOTAL
140150006000200000
140150006500200000
r401 50007000200000
1/10150000000000000
Schedule l1e4
Page 3 of 3

Foreign Offlces
Collateral and other crodit enhancamentg

recelved as security for the related
impaired and past due ass6t3
Spocifi c allowancoa for collec-tlvely
Particulars
Account Code
assessod flnanclal assets
InUS$
tosidents
1.
Loans to Govemment
a.
0.0(
0.0(
0.0(
0.0(
140150000500120000
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
1401
50000500121000
0.0(
0.0(
1401
50000500122000
0.0(
0.0(
Lj()ccq
140150000500123000
0.0(
0.0(
J.
0.0(
0.0(
0.0(
1401500005001 23100
0.0(
0.0(
)ther Financial
140150000500123200
0.0(
0.0(
0.0(
0.0(
0.q
0.0(
lNon-Financaal
140150000500123300
1r1015000100010(xn0
0.0(
0.0(
0.0(
0.0(
140150001005100000
0.0(
0.0(
Cther Agriculh*al Credit Loans
140150001 010100(n0
0.0(
0.0c
140150002000100000
MErofinanc Loans
140150002005100000
Other Microenterprise Loans
1r10150002010100000
Small and Medium EnterDrise Loans
1r10150m2500100000
0.0(
0.0(
0.0(
0.0(
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
1401
50m2505100000
0.0(
0.0(
Uedium Scale Enterprise
1401
s0002510100000
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
r401500035001 61000
0.0(
0.0(
1401500035001 62000
0.0(
0.0(
140150004000100000
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
-;ontracts to sll
140150003{D010(Xrc0
-oarF to Private Corporations

:inancial
1401500035001 60000
\on-Financial
7. -oans to Individuals for Housing Purpooes
0.0(
3 tticroenterDrise Loans
).
Peso Eouiv.
0.0(
-GUs
rarian Reform / Other Agdcultural Loans
InUSI
Peso EqulY
0.0(
{ational Govemment
2.
t.
InUS$
Poso EouiY.
00000
1401 500000001
Total
0.0(
0.0(
0.0(
0.0(
-oans to Individuals Primanly lor Prsonal use Purposes
140150004500100000
0.0(
;redit Gard
0.0(
0.0(
0.0(
140150004505100000
vlotor Vehicle Loans
140150004510100000
l.
Auto Loans
'1401500045101 71000
0.0(
0.0(
Motorcycle Loans
14015m045101 72000
0.0c
0.0(
ialary-Based GeneraFPurpose Consumption Loans
140150qX512100000
0.0(
)hers
0.0(
14015000451 5100000
0.0(
0.0(
1401500050001(Xrc00
0.0(
0.0(
.oans lo Individuals for Othr Purposs
{on-Residents
1,1015000000020(nn
0.0(
0.0(
0.0(
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
ientral Govemmenucenlral Banks
1401500055(n20(n00
,uuic Sector EntitiG
0.0(
0.0(
1401500060m20firc0
0.0(
0.0(
.oans to Corporations
140150006500200m0
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
4 -oans to lndivaduals
140150007m0200000
vtru
1/1015000000o0m0m
0.0(
0.0(
0.0(
0.0(
MOVEIIEI{TS lN NOI{.PERFORMING LOANS (NPLs)
Schedule 1 t hl
Page 1 of 1
rr
By Economlc Actlvity
Reasons for the Decllne in NPLS
Particulars
Account Code
Opening
Balanc6
Nowly
Roclassificatlon/Transfer to
Collections/
Payments
NPL
b
WrlleOtrs
d
ROPA
e
14000001 E51 2000000
0.0(
0.0(
0.0(
0.0(
0.0(
-oana and Recelvables{the6, Rosldents

[. :ot Ptoductlon, by Economlc Actiylttr
t4015(x)185121 oqDO
0.0(
0.0(
0.0(
0.0(
14015(x)185121(xDO1
0.0(
0.0(
0.0(
0.0{
1401stru185 2100101
Vlining and Quanyng
1401500185 2100201
Vlanufacturing
14015001E5 2100301
=lectricaty,
Gas, Steam and Air-Conditioning Supply
14015(X)185
:;onstruction
14015q)1 E512100601
sPv
Additions/
(Deductions)
ivholesale and Reiail Trade, Repair of Motor Vehicles, Motorcycles
14015001E5 t2100701
\ccommodation and Food Service Activities
401500165121 00E01
,.
transportalion artr Storage
4015001E5121off 01
10
nfomation and Communication

:inancial and Insurance Activitios
401500 tE512101001
l2
teal Estale Activities
4015001651210 201
t3
,rofessional. Scientific and Technical Activities
/+015001E5121 01
14
\dministrative and Support Seruice Activities
1401s001E512101401
t5.
Public Administration and Defense; Compdsory Social Security
14015001 651 2101 501
t6.
:ducation
14015001E5 l2101601
14015001E5 l2101701
tE.
luman Health and SocialWort Activities

{rts, Enterlainment and Rcreation
t9.
Cther Service Activities
14015001E5121 01 901
20.
\clivities of Households as Emplo)rs and Undifferntiated Goods-and-Services-
1/to15(x)1E512102001
4015(x)1651210
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.c(
0.0(
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
t01
0.0(
0.0(
30l
0.0(
0.0(
0.0(
0.0(
0.0(
14015(n1E512101801
0.0(
0.0(
Use
:or Houahold Consumption

-oarF to Individuals Primarily for Personal Use Purposes
t.
lredit Card Receivables
0.0(
r4015(X)1E512100002
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
r401 5001E5121 00102
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
o.u
0.0(
0.0(
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
0.0c
1401ffi18512100112
\totor Vehiclg Loans
14o1ffi1&51210o122
1. Auto Loars
1401fi01a512110122
Motorc)rcle Loans
jalary-Based General-Purpose Consumption Loans
140150018512120122
140150018512100142
)thers
r4015001E5121001 32
2.
-oana and Receivables-Others, Non-R$ldents
14015001E512200000
nterDank Loan3 Receivables
14015(x)18512(Xno(x)
-oana and Recelvables Ari6ing from RA, CA,PR and SLB Transactions
1402m018512000000
1/
j=atbh)+i
qdivities of bdra-Territorial Organizations and Bodies

3.
Closlng
Balance
(sum of c to
21U)501
3.
Om
Sale to
1401500165 210(X01
,vater supply, Sewerage, Waste management and Remediation Aciivities
rroducing Activities of Households for
Restructurcd Loans
Not Considered NPL
(t
rOTAL
\griculture, Forestry and Fishing
Performlng
Status
Other
AdJustments
Gross NPLs as defined under Circular No. 772 dated 16 October 2012
Relers to toans which have been rsstructured but meet
0.0(
0.0(
0.0c
0.0c
0.0c
0.0c
0.0(
0.0(
AGING OF NON-PERFORIIING
Schedule 1'1h2
Page 'l of 1
It
LOANS (NPLs|
By Economic Activity
>
Partlculars
<'l yoar
Account Code
I year
but <2
> 2 years
but <3
vea.3
Aqinq of NPLs from Date of Reclaasificallon

> 4 years
> 5 years
> 0 years
> 7 years
but 3l
but <5
but <8
but <7
but <8
vgara
veara
vearS
vearS
vearS
> 3 yearg
rOTAL
14000001851 2000000
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
-oan3 and ReceiyablesOthe6, Resldents

:or Produc{ion, by Economac Acllvlty
\,
1401 5001
8512100000
0.0(
0.0(
0.0(
0.0(
0.0(
14015@18512100001
u.u
0.0(
o.u
0.(X
o.0(
1.
t.
to
> 10 years
Amount
=sumof
0.0(
0.0(
0.0(
o.u
0.(x
0.0(
0.0(
0.0(
0.0(
tok
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.u(
0.0(
0.0(
\griculture, Forestry and Fishing
14015(x)1 E5121 001 01
0.0c
vlining and Quanyrng
1401sfl)l 85121 00201
0.0(
vlanufacturing
r4015tX)1E5121 00301
:lectricity, Gas, Steam and Air-Conditioning Supply
14015001851 2100401
/vater supply, Se\ryerage, Waste management and Remediation Activities
14015001851 2100501
Construction
14015001E512100601
Wholesale and Retail Trade, Repair of Motor Vehicles, Motorclples

qccommodation and Food Service Activities
1401 5001 85121
00701
0.0(
1401 5001 85121
00801
0.0(
Transportation and Storage
1401 5001 85121
00901
0.0(
nlormation and Communicalion
0.0(
0.0(
0.0(
0.0(
0.0(
11. Financial ard lnsurance Aciivilies
t4015(X)185 t2101 101
0.0(
12. Real Estate Activities

t3 rrofessaonal. Scientmc and Technical Activitis
qdministrative and Support Service Activities
1r1015001 8512101 301
t6
rubl6 Administration and Defense; Compulsory Social Security

:ducation
1401500 t8512101201
0.0(
0.0(
1401
5q)1 E5121 01601
t8
\rts. Entertainment and Recreataon
1401 5001 85121 0't 801
t9
fttr
140 1s(X)lE512
l0 \ctrvltes ol Households as Emplo)/ers and undifferentiated Goods-and-services-
:or Household Conoumptlon

-oans lo hdividuals Pnmanly tor Personal use Purposes
l.
2100002
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
o.o(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
o.o(
0.q
0.0(
0.0(
0.0(
0.0(
0.0(
1401ffi'18512',100122
12
1401fi018512110122
l. Motorc)rcle Loans
1401fiO14512120122
ialary-Based Genral-Purpose Consumption Loans
1401 500185121
)thers
1401 5(X)1651 21001
0.0(
0.0(
0.0(
00142
0.0(
32
0.0(
-oans and Receivablesothe6, Non-Reaidenta
1401500185 r2200000
nterbank Loana Receivables
14015001 8512000000
Gross NPLS as defined under Circular No. 772 dated 16 October 2012
0.0(
140150018512100102
1401 5001651
folor Vehicle Loans
Loans and Rocoivables Arising from RA, CA/PR and SLB Transactiong
0.0(
0.0(
1401500165121(X)1
At IO LOanS
0.0(
02001
lredit Card Receivables

.
0.0(
t01q)l
1401 5001 85121
)roducing Activities of Households for Own Use
0.0(
14015001 85121 01501
1401 5001 85121 01 701
Service Activities
0.0(
E512101401
111015001
luman Health and SocialWork Activities
t'
but <10
140'l 500185121 01001
t5
> 9 yoar3
but <9
veaB
Total
> 8 yoars
14020001 8512000000
0.0(
0.0(
0.0(
g$c!cE2C!
fnt .!.a Incom. trlm Loana and R.crtv.bbt . othr|
cl6ln.d a
to
TotllArnounl
Particulars
Account Codes
lesidontg
1.
505056500000100000
505056500500100000
505056500500121000
505056500500122000
505056500500123000
505056500500123100
505056500500123200
505056500500123300
505056501000100000
505056501005100000
505056501010100000
Loans to Govemment
a. National Govemment
b.
c.
LGUS
GOCCs
Social Seoritv Institutions
1.
z.
3.
L[rrFnanctal
Non-Financial
2. Aqrarian Reform / Other Aoricultural Loans

Aorarian Reform Loars
a.
b.
O'ther Agricultural Credit Loans
3. Microenterpris LoarE
a.
b.
4.
5.
6.
7.
E.
Microfinance Loans
Olher Microntrprise Loans
Small and Medium EnterDrise Loans
Small Scale Enterorises
b. Medium Scale EnterDrise
Contracts to Sell
Loans to Private Cormatim
a. Financial
b. Non-Financial
Loans to Individuals for Housinq PurDoses
Loans to hdividuals Pnmarily for Personal use Purposes
a.
a.
credtt card
b.
Motof Vehicle Loaills

AUIO LOam
Motorc\rcle Lo6ns
2.
c.
d.
9.
salary-uaseo GeneraFPurposeconsumption
O,thers
Loans to Individuals for Othr Purpoos
l{on-Re3ident3
Gentral GovemmeflUcental Banks
2. Puuic Sector Entities
3. Loans to Cormrations
4. Lom to lndividuals
TOTAL
l'lncludes
8t|tu!
Restructured Loans
Loans
50s0565020@1000q)
505056502n5100000
505056502010100000
505056502500100000
505056502505100000
50505650251 01 00000
s0s0s6503u)olo00q)
505056503500100000
s05056503500101m0
505056503500102m0
5050565040001 00000
505056504500100000
505056504505100000
505056504510100000
505056504510171000
so50565(X510172mO
5050565M512100000
50505650451 5100000
505056505000100000
50505650fin020(rc00
5050565055002000(n
505056506000200000
5050565065004)0000
505056507000200000
505056500000000000
Current
Past Oue But Not Yet NonPerforming
Past Due and Already Non-
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0{
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
Performing
0.0(
0.0(
0.(X
0.(x
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0c
0.0c
0.0(
0.0(
0.0c
0.0(
0.0(
0.0c
0.0(
0.0(
Items in Litigation
Total Interest Income from

Loans and ReceivablesOthers
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0-0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0c
0.0(
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
0.0c
0.0c
0.0(
0.0(
0.0(
dl
acn.dut.29d1
lotl
InLtlrt Incom. iom Loon..nd R.c.tv!U.. - Otn.6

Cl.3.li.d .. lo Strtu!
',
Particulars
Account Code
lesldents
b.
c.
National Govemment
LGUS
GOCCS
Social Securiv InstitutiorB
2. Other Financial
3. Non-Financial
2. Agrarian Reform / Other Aqricultural Loans
Agrarian Reform LoarF
3. Microenterorise Loans
a. Microtinance Loans
Othr Microenterp.ise Loans
. Small and Medium Enterprise Loans
a. $ma[ l'ca|e Entefpnses
b. Medium Scale EnterDrise
5. Contracts to Sell
6. Loans to Private CorDorations
a. Financial
5050565005001 23000
505056500500123100
505056500500123200
b.
5050565020001 00000
505056502005100m0
5050565020101000q)
5050565025001 00000
b.
c.
d.
0.0(
0.0(
Items In Lltlgetion
others
0.0(
0.0(
0.0(
0.0(
0.0(
0.cx
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.tr
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
s05056504m010m00
5050565045101 71000
5050565045101 72000
0.0(
0.0(
0.0(
0.0(
0.0(
0.0c
0.0(
0.0(
0.fi
0.0(
0.0(
0.0{
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
S:ialary-Based GeneraFPurpose ConsumDtion Loans
s05056504512100000
OtlErs
50505659515100m0
9. Loans to Individuals for other Purposes

1. Central Govemmenucentral Banks
505056500000200000
s05056s05500200000
4. LoarF to Individuals
5050565070002m000
0.0(
0.0(
0.0(
505056503500102000
Motorcwe Loans
rOTAL
0.0(
0.0(
0.0(
0.0(
5050565035001 01 000
50505650451010(m0
rn-Residents
0.0(
0.0(
50s056502510100000
505056503000100m0
s050s65035001 00000
Auto Loans
2.
0.0(
0.0(
Past Due and Aready

Non-Porforming
Total Interest Income from

Loans and Recelvablo3-
505056501010100000
ureofi gard
MotorVehideLoans
'1.
0.0(
0.0(
so50565010051o(n(n
a.
Porforming
505056500500121000
s05056500500122000
a.
b.
Loans to Individuals for Hcxrsing Purposes

E. Loans to Individuals Primarily for Personal Use purDoses
Past Oue But Not Yet Nor
Current
0.0(
0.0(
1. Loanstocovemment
a.
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
Schedula 2td2
fntd'ct lncor|o frcm Loant lnd Racafvabfet. otftat!

Cl.3tlflod r. to 8t tu.
Fotlgn R.gul.r
1d'l
"
d
Particulars
Currenl
Account Code
lnUS3
lssidonts
'1. Loans to Government
a.
b.
c.
National Govemment
LGUS
GOCCs
Social Security Instnutions
Other Financial
Non-Financial
2. Aorarian Reform / OtherAqricultural Loans
Aqrarian Reform Loans
Other Agricultural Credit Loans
3. Microenterprise Loans
Microfinance Loans
small scale Enterprises
Medium Scale Enterprise
5. Contracts to sell
6. Loans to Private Corporations
Financial
Non-Financial
7. Loans to Individuals for Housing Purposes
8. Loans to Individuals Primarily for Personal Use Purposes
1.
2.
3.
a.
b.
a.
b.
a.
b.
a.
b.
a.
Credit Card
d.
others
9. Loans to Individuals for Other Purposes
Poso Eoulv.
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0c
0.0(
0.0(
0.0(
0.0(
0.0c
0.0(
0.0(
0.o(
Total Interest Income
0.0(
0.0(
0.0(
0.0(
Items in Litigation
InUS$
0.0(
0.0(
0.0(
0.0(
5050565005001230q)
Peso Equiv.
0.0(
0.0(
o.0(
0.0(
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
InUSf
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
o.0(
0.0(
0.0(
0.0(
0.0(
0.0(
Peso Equlv.
0.(X
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0t
0.0(
5050565045051 00000
0.0c
0.0(
50505650500010@00
0.0c
0.0c
0.0c
0.0(
0.0c
0.0c
0.0c
0.0(
0.0(
505056500000000000
0.0(
0.0(
0.0(
0.0(
0.0(
0.0c
0.0c
0.0c
0.0c
0.0c
0.0(
0.0c
lo lndivi.hrals
rOTAL
Past Due and Already NonPerformino

Peso Eoulv.
lnUSS
0.0(
0.0(
s050565000001 00000
s05056500500'1 00000
5050565005001 21 000
5050565005001 22000
50s0565005001 231 00
5050565005001 23200
5050565005001 23300
505056501 0001 00000
505056501 005100000
50505650101 0100000
5050565020001 00000
5050565020051 00000
50505650201 0100000
5050565025001 00000
505056502505 1 00000
50505650251 0100000
5050565030001 00000
505056503500 1 00000
50s0565035001 01 000
5050565035001 02000
50505650400010000{)
5050565045001 00000
Past Due But Not Yet NonPerformino

Peso Eouiv.
InUS$
o.ool
o.ool
0.0(
0.001
0.0c
0.001
0.0(
0.001
0.0(
0.001
0.0(
0.001
0.0c
0.001
Schedule 29d3
of
Interest lncome from Loans and Receivables - Others "

Glassified as to Status
FCDU/EFCDU
Particulars
Account Code
(t
Current
Pasl Due But Not Yet NonPerforming
Past Due and Already NonPerforming
Items in Litigation
InUSs
Residents
Loans to Govemment
National Govemment
a.
b.
c.
LGUS
GOCCs
Social Securitv Institutions
Other Financial
Non-Financial
2. Agrarian Reform / Other Agricultural Loans
Other Agricultural Credit Loans
3. Microenterprise Loans
Microfinance Loans
Other MicroenterDrise Loans
4. Small and Medium Entemrise Loans
small scale Entemrises
Medium Scale Entemrise
6. Loans to Private Coroorations
Flnancial
Non-Financial
7. Loans to Individuals for Housino Pumoses
Loans to Individuals Primarily for Personal Use
L Purposes
1.
2.
3.
a.
b.
a.
b.
a.
b.
a.
b.
a.
b.
c.
d.
5050565045001 00000
credit card
50505659505100000
Motor Vehicle Loans

Auto Loans
Motorcycle Loans
50505650451 0100000
50505650451 01 71 000
50505650451 01 72000
50505650451 2100000
50505650451 51 00000
5050565050001 00000
505056500000200000
505056505500200000
505056506000200000
505056506500200000
505056507000200000
505056500000000000
1.
2.
Salary-BasedGeneral-PurDoseConsumotionLoans
Others
9. Loans to Individuals for Other Pumoses
ilon-Realdents
. Central Governmenucentral Banks

3. Loans to Comorations
I-OTAL
r/lncludes
5050565000001 00000
5050565005001 00000
505056500500 1 2 1 000
5050565005001 22000
5050565005001 23000
5050565005001231 00
505056500500123200
5050565005001 23300
505056501 000100000
505056501 005100000
50505650101 0100000
5050565020001 00000
505056502005100000
50505650201 0100000
5050565025001 00000
5050565025051 00000
50505650251 0100000
5050565030001 00000
5050565035001 00000
5050565035001 01 000
5050565035001 02000
5050565040001 00000
Restructured Loans
Psso Eoulv.
InUSI
Peso Eoulv.
InUSS
Peso EquN.
InUSS
Total Interest Income
Peso Eouiv.
InUS$
0.0c
0.0(
0.0(
0.0(
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0c
0.0(
0.0c
0.0(
0.0(
0.0(
0.0(
0.0c
0.0(
0.0c
0.0(
0.0(
0.0c
0.0(
0.0c
0.0(
0.0(
0.0(
0.0c
0.0(
0.0c
0.0(
0.0(
0.0(
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0c
0.0(
0.0(
0.00
0.0(
0.0(
0.0(
0.0c
0.0(
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0c
0.0c
0.0c
0.0c
0.0(
0.0c
0.0(
0.0(
0.0(
0.0c
0.0(
0.0(
0.0(
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0c
0.0(
0.0c
0.0c
0.0(
0.0c
0.0(
0.0(
0.0(
0.0c
0.0c
Peso Eoulv.
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0c
0.0c
0.0c
0.0c
0.0c
0.0(
0.0(
SclEdu|.
|ntaltat Income lrom Loant md Racalvabt$ .

Cl.Lllld .! lo stltu.
Ohara
Oficrt
FoElgn
Particulars
Account Code
Loans to Govemment
National Govemmenl
c.
LGUS
(juuus
5(rctat secunw tnsl|Iuuons

Other Financial
Non-Financial
Agrarian Reform / Other Aqricultural Loans
Aorarian Reform Loans
MicroenterDrise Loans
Microfinance Loans
Small and Medium Entemrise Loans
Small Scale Entemrises
Medium Scale EnterDrise
Contracts to Sell
Loans to Private CorDorations
Financial
Non-Financial
Loans to Individuals for Housing Purposes
Loans to Individuals Primarily for Personal Use
Purposes
2.
3.
2.
a.
b.
3.
a.
b.
4.
a.
b.
5.
6.
a.
b.
7.
8.
a.
b.
Credit Card
Motor Vehicle Loans
Auto Loans
Motorcycle Loans
salary-Based GeneraFPurDose GonsumDtion Loans
Others
c.
d.
1.
2.
3ldenta
1. Central Govemmenucentral Banks

3. Loans to Comorations
TOTAL
t'lncludes
Restructured Loans
505056500000"t 00000
505056500500 1 00000
505056500500121 000
5050565005@122000
505056500500 1 23000
5050565005001 231 00
505056500500 1 23200
5050565005001 23300
505056501 0001 00000
505056501 0051 00000
505056501 01 01 00000
5050565020001 00000
505056s02005 1 00000
50505650201 01 00000
505056502500 1 00000
5050565025051 00000
505056s02s1 01 00000
5050565030001 00000
5050565035001 00000
5050565035001 01 000
5050565035001 02000
505056504000 1 00000
5050565045001 00000
5050565045051 00000
50505650451 01 00000
505056504510171 000
50505650451 01 72000
Past Due But Not Yet NonPerforming
Current
ln
tesldont8
a.
b.
2l
I of I
rus$
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
Peso Equiv.
0.0(
0.0(
0.01
0.0(
0.0(
0.0(
Peao
c
InUS$
0.0(
0.0(
Peso Equiv.
0.0(
0.0(
0.0(
0.0(
Items in Litigation
Total Interest lncome
InUSt
0.0(
0.0(
Poso Eouiv.
0.0(
0.0(
0.0(
0.0c
0.0(
0.0(
0.0(
0.0c
0.0(
0.0(
0.0(
0.0c
0.0(
0.0(
0.0(
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
o.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0c
0.0c
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0t
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.00
0.0(
0.0(
0.0(
0.0(
0.0(
0.0t
0.0(
0.0(
5050565q512100000
50505650451 51 00000
505056505000100m0
505056500000200000
505056505500200000
505056506000200000
505056506500200000
505056507000200000
505056500000000000
InUS$
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0c
0.0c
0.0c
0.0c
0.0(
0.0(
0.0(
0.0t
0.0(
0.0c
0.0(
0.0(
0.0c
Peso Equlv.
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0c
0.0c
0.0c
0.0c
0.0c
0.0c
0.0c
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
Schedule 33
1oJ4
Galns/(Losses) from Sale/Redemption/Derecognition of Non-Trading Financial Assets and Liaballtles
(Excludlng Flnanclal Assets and Llabilities Designated at FV Through Profit and Loss and FV AdJustment in Hedge Accounting)
ParticularB
. Flnancial Assets
l. Avallable-for-Sale
t03010(n000100001
5't03010000001 10001
5103010000001 1 1001
5103010000001 12001
5
A. Govement
(1) National Govemment
LGUS
(3) GOCC
a.
b.
B.
C.
BSP
Banks
PrivateCorporations
1) Financial
(2) Non-Financial
InUS$
Peso Equiv.
0.0(
0.0(
0.0(
0.01
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
InUS$
Peso tsourv.
Public Sector Entities

Banks
Banks
l) Other Banks
CorDorations
510301fir00m220m1
510301000000230(nl
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0{
0.0{
Equlty Securlties
1. Re3ldent
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
U.U(
o.(X
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
u.0(
0.fi
5103010m000231001
B.
C.
0.0(
0.0(
0.0(
B.
0.0(
0.0(
0.0(
0.0(
u.u
0.0(
u.0(
o.o(
CorDoratiorF
l.
a.
b.
c.
Social Securitv lr|stitutions

Financial
Non-Financial
0.0(
0.0(
0.0(
0.0(
0.0(
0.u
0.0(
0.0(
0.0(
51
51
0302000000142001
0302000000160001
510302000000161
0.0(
0.0(
0.0(
u.u(
001
51030200000023m01
sl 03020q)000240001
51 0300500000000001
Govemment
(1) National Govmment
(2) LGUS
(3) GOCC
0.0(
0.0(
0.0(
UBs/KBs
Banks
0.0(
0.0(
0.0(
fotal Available-for-Sele Financlal Assets

Held-to-Maturity Financlal A$ots
Resldent
A.
0.0(
51030200firc01 13401
ilon-Reaidenl
A.
0.0(
0.0(
0.0(
NorFinancial
Other Banks
PrivateCorporations
(1) Financial
(2) Non-Financial
0.0(
0.0(
0.0(
0302000000000001
510302000000100001
Banks
(1)
(21
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
51
Fanancial
0.0(
0.0(
GOCCS
(21
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
MultllateralAgencies
A.
Total
0.0(
0.0(
51030100(n00200001
51030100m00210001
D.
t.
5103010@00013000r
5103010000(n140001
510301000000 t4't001
5103010000(x)142001
Non-Resident
GovemmenucenlralBanks
A.
B.
C.
Forelgn Offlceg
FCDU/EFCDU
Peso Eouiv.
50cl4r $ecunlv tnsmn|ons

Financial
1) UBs/KBs
(2) Olher Banks
D.
lnUS$
Financlal Assets
)ebt Securitie8
Resldent
(2}
Forelqn Reqular
Account Code
5103015000001 12001
51030150m001 13001
5103015000001 13101
510301500000 1 13201
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
o.(X
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.(x
0.0(
0.0(
0.o(
0.0c
0.0(
0.0(
0.0(
0.(X
0.0(
0.0(
0.0{
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
u.0(
o.o(
0.0(
0.(X
0.0(
Schedule 33
2ot4
Galns/(Losses) from Sale/Redemptlon/Derecognition of Non-Tradlng Flnancial Assets and Liabilltles
(Excludlng Flnanclal Assets and Llabllltles Designated at FV Through Proflt and Loss and FV Adjustment in Hedge Accounting)
Particulars
B,
C.
BSP
Banks
Foreign Reqular
Account Code
51 0301
hUS$
Foreign Offices
FCDU/EFCOU
Peso Eouiv.
InUS$
Peso Eourv.
InUS$
Peso Equiv
500000130001
0.0(
u.{.J(
0.u(
0.0(
0.o(
0.0(
0.0(
u.u(
(1) UBs/KBs
(2) O{her Banks
D.
PrivateCorDorations
) Finarrcial
(2) Non-Financial
NOn-Ke6nent
B.
C.
D.
0.0(
0.0(
u.u{
U.U(
o.o(
0.u
U.UI
u.0t
0.(X
0.fi
0.(x
u.u(
0.0(
0.0(
0.0(
U.U(
0.u
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
U.U(
0.0(
o.u
0.0(
0.0(
U.UI
0.0(
0.u
0.0(
0.o(
U.UI
o.0(
o.(x
0.0(
0.0(
0.0(
0.0(
o.o(
0.0r
0.0(
0.(x
0.0(
0.0(
510301500000'r62001
510301500m02m001
0.fi
OtherBanks
CorDorations
510301 500000240001
tultllateral Agencies
510301 500000300001
-otal Held-to-Maturittf Financial A$sts

Unquotod Debt Securities Cla33ifiod as Loans
510301 500000000001
1. R*ldent
A. Govmmeni
U.UI
1) Nalional Govemmenl
(2) LGUs
(3) GOCC
a.
B.
C.
D.
b.
c.
Social Securitv Institutions

Financial
Non-Financial
BSP
Banks
1) UBs/KBs
(2) Other Banks
PrivateCorDorations
(1 ) Financial
Non-Financial
0.u
5103025000001 13001
0.0(
u.u(
u.u
0.q
0.(X
0.0(
0.0(
0.o(
0.0(
0.0(
0.0(
0.0(
0.tx
0.0(
u.u
u.0(
0.o[
0.0(
0.0(
0.0(
0.0(
0.ol
0.0t
0.0(
u.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
5103025000001 13101
510302500m01 13201
510302500000142001
510302500000160001
5r0302500000161001
510302500000162001
GovemmenUCentralBanks
Banks
D.
OBUS
Other Banks
CorDoralions
(1)
Ql
Multilateral Agencles
fotal unquotod oebt securiiler Glaaalflod ea Loan3
,. Investmentr in Non-Marketable Equlty Securities
Keatqent
A.
B.
u.u{
0.u
0.0(
0.0(
0.0(
0.(x
0.0(
0.0(
510302500000000001
0.0(
0.0(
0.0(
u.Lr{.
u.u[
0.0(
o.o(
0.0(
0.(X
0.0(
0.0(
0.0(
0.0(
0.u(
0.0(
0.0(
0.tx
0.0(
0.0(
U.U(
Financial
Non-Financial
Banks
(1) UBs/KBs
(2) Other Banks
u.
0.0(
0302500000230001
510302500m0231001
510302500000232001
51
GOCCS
(1)
(2\
Fnvate uotDora0ons
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
Non-Resldent
A.
B.
C.
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0-0(
51030r5(nn0161001
Public Sector Enlities

Banks
OBUS
(1)
(2\
Total
510303000000141001
510303000000142001
510303000000160001
0.0(
0.0(
0.0(
0.0(
0.0(
u.u{
u.(x
0.0(
0.0(
0.u
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
Schedule 33
3 of 4
Galns/(Losses) from Sale/Redemptlon/Derecognltlon of Non-Trading Financlal Assets and Liabilitles
Adlustment in Hedge Accounting)
ter"ruif f ng llnhnclal Assets and Liabillfies Deilgnated at FV Through Proflt and Loss and FV
Schedule 33
4ot4
Galns/(Losses) from Sale/Redemption/Derecognition of Non-Tradlng Financlal Assets and Liabllltles
(Excluding Financlal Assets and Liabilitles Deslgnated at FV Through Profit and Loss and FV Adjustment In Hedge Accountlng)
Foreiqn Requlal
Account Code
Particulars
InUS$
Heso Eourv.
FCDU/EFGDU
Peso Eouiv.
InUS$
(1)
(2\
G.
H,
Financial
Non-Financial
Loans to Indivaduals for Housim PurDoses
Loans to Individuals Primarilyfor Personal Use Purposes
(1)
Ql
(3t
Credit Card
Motor Vehicls
Aulo Loans
b. Motorcvcle Loans
Peso Eouiv.
Salaru-BasedGneral-PumoseConsumotionLoans
others
Loans to Individuals for (Jther Pumoses
{on-Resident3
0.0(
51
03045040001 00001
0.0(
5103(X5045(x)100001
0.0(
0.0(
0.0(
0.0(
0.0(
0.(x
0.0{
o.(x
51
03045045101moo1
0.(x
0.(x
0.(x
0.(x
0.0(
0.0(
0.0(
0.(x
0.0(
0.0(
0.0(
51
030450451510m01
0304505000100001
03(X500000200001
0304505500200001
0.0(
51
51
51
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
u.u(
C.
Loa'rs to CorDorations
Loans to lndividuals
fotal Loans and Recelvables
D.
s10300000000000001
0.(X
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.01
0.0(
0.0(
0.0{
0.0(
0.0(
0.0(
0.0(
0.0(
0.cx
0.0(
0.0(
u.u
U.U(
U.U(
u.u{
0.u{.
u.0(
0.u(
0.0(
0.0(
Invsstment3 in Uncon3olldated Subsidiaries, A3soclate3 and Joint Venturss

fotal Gainsr(Losses) from SalorRedemption/Derecognltion of Financial A33otg
Total
0.0(
a.
(4)
B.
Foreiqn Offices
hUS$
t.
Schedule 1'l
1'

(At Net Carrying Arnount, except for ltems 12 to 16 of the Additional lnformation)
ol2
Schedule
il

(At Net Garrying Amount, except for ltems 12 to 16 of the Mdltlonal Information)
ll
ol2
Schedule'11a1
1
Loans and Recelvables - Others fl

Peso Accounts
a
Particulars
Account Gode
le6idents
1.
-oans to Govemment
{ational Govrnment
-uus |
3occs
1401500005001 20000
Current
tast Due But No
Past Due and
Yet NonPerforming
Aready
Non-Perfoming
0.0(
0.0(
0.0c
0.0(
0.0(
u.o(
Itoms In
Lltlgatlon
0.0(
0.0(
140150000500121 000
0.0(
Social Scuriw lrBtft diom

)thr Financial
{on-Financial
2 \qrarian Reform / Other Aoricultural Loarls
a.
)thr Agricultural Credit Loans
0.0(
0.0(
0.0(
\ricr@ntertrise Lcns
0.0c
0.0(
0.0(
0.0(
1 /10150001005100000
Total Loans
o.o(
0.o(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
Allowancs for
Credit Losses
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
o.0(
0.0c
,licrofinance Loans
0.0(
0.0(
0.0(
0.0(
0.0(
qmell arrl
Mdirm
o.0(
0.0(
0.0(
0.0(
imall Scale EnterDrises

vledium Scale EnterDrise
1401500025 r0100000
lontracts to sell I
6 -oans to Private Coroorations
a
7
-oans to hdividuals lor Housrng Purposs
-oans to Individuals Pnmanly for Personal Use Purposes

)redit Card
vlotor Vhicle Loans
\uto Loans
vlotorcycle Loans
r- tqneE
0.0(
o.0(
o.o(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0c
0.0(
0.0(
0.0{
0.o(
0.0(
0.0(
0.o(
0.u
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
50qX512100000
500q515100000
-oans to lndividuals
(Y whic-h lmns rr<a.l to cmdv whh Adrerirn Flafdm/a)lher Adricr

fther Aoricultural Credit Loans
o.o(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0c
9 -oans to Individuals for Other PurDoses
rOTAL
0.u
0.0(
0.00
1401500045 t017'1000
1401 500045101 72000
1401
0.0(
0.0(
000
1401 500035001 62000
1401
0.0(
0.o(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
1401 500035001 61
,lon-Financial
0.0(
0.0(
0.0(
o.u
o.0(
0.0(
Net Carrying
Amount
0.0(
o.o(
't40150001010100000
'
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
ol2
Schedule
llal
2

Glassified as to Status
Peso Accounts
a
Particulars
Account Code
Current
tast Due Bul No
Past Due and
Yet NonPertormlng
Non-Performing
Aready
Items in
Total Loans
Litigation
Allowance for
Crsdit Losses
Net Carrying
Amount
\dditional Informationl
)OSRI Loan
140150012500600000
iecured
0.0(
0.0{
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
i)
il,
REM - Commercial
140150012515600000
l'il)
liv)
\on-risk Assets
lv)
34her collateral
0.0(
0.0(
0.0(
0.0(
0.(r(
0.(x
0.0(
0.0(
0.0(
0.0(
0.u
-oans Granted under lhe Bank's Fringe Benefit Program
0.0(
0.0(
t40150013000600000
0.0(
0.0(
0.0(
0.0c
0.0(
0.0(
0.0(
Jcured
r4015(x)130056(xxrcO
0.0(
0.q
0.0(
0.0(
0.0(
0.0(
0.fi
'i)
14015001301060m00
0.q
0.0(
0.0(
:iD
IEM - Commercial
t40150013015600000
0.0(
ilt
KEM-Aqnculural
t401500130186flXrcO
0.0(
0.0(
14015001302060m00
0.0(
0.0(
liv) Other collateral

Jnsecured
lo Real Estate Industrv

=xDosure
tesidential Rel Estate Loans
Sills
0.0(
0.0(
Jnsecured
2 tlo(}DOSR| Loarn
140150012520600000
0.0(
140r5(X)1 30250qX'OO
0.0(
0.0(
1401s001 3500600000
0.0(
0.0(
0.0(
0.0(
0.0(
o.0(
0.0(
140150013505640000
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
,t,
\ot exceding P3.5 mtllion
r40150013500641000
,ii)
:xceeding P3.5 million
14015001 3500642000
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
o.0(
0.0(
0.0(
1l
3uaranteed under National Sheller Program
140150013500642100
0.0(
0.0(
2)
Jthers
r401500135@642200
0.0(
0.o(
0.0(
1401
50013510640000
0.0(
\gricultural
1401
5(Xr13515640000
0.0(
Purchased
Jilts Purcnaseo - u|ean
0.0(
0.0(
0.0(
0.0(
0.0(
140150014000630000
7. 3ross Non-PerfomirE Loans
1401
8. Allorwnce for Credit Losses
14015001900060@(n
500185126000(n
0.0(
0.0(
0.0(
0.001
0.0(
0.0(
0.0o1
0.0(
1/lncludes Restruc{ured Loans
0.0(
ol2
Sch.dul!
R.gtruc't|rcd Loan! and
Cl.lCflsd
aa to
st.iu.
ttbl
Receivablaa
'rl
Pelo Accounta
a
Account Code
Particulars
esidents
-oans to Govemmen
lational Govemment
-GUs
SOCCs
1
2.
3.
3,
Social Security Institutions

)ther Financial
tlon-Financial
\orarian Reform / Other Aqricultural Loans

Uicroenlernrise Loans a
l. lilicrofinance Loans
)ther Microentemrise Loans
4 Small and Medium Entemrise Loans a/
6. -oans to Private Corporations
:inancial
tlon-Financial
8

).
401 51 0000001 00000
1401 51 0005001 20000
1401 51
000500123000
401 51 0005001 231 00
401 51 0005001 23200
51000500123300
000100000
1401 51 001 005100000
1 401 51 001 01 01 00000
'1 401 51 0020001 00000
140't 51 0020051 00000
1401 51 00201 01 00000
1401 51 002500100000
1 401 51 0025051 00000
1 401 51 00251 01 00000
140151 0030001 00000
1401 51 003500160000
1401 51 001
0.0(
0.0(
0.0(
0.0(
0.0c
0.0c
0.0(
0.0c
0.0c
0.0t
0.0(
0.0t
0.0c
0.0(
0.0(
0.0(
0.0c
0.0(
0.0(
0.0(
401 51 0040001 00000

140151004500100000
Total Loans
Allowance for
Credit Losses
Net Canying
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0c
0.0(
0.0(
0.0c
0.0c
0.0(
0.0(
0.0c
0.0(
0.0(
0.0t
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0t
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
Amount
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0t
0.0t
0.0t
0.0(
0.0(
0.0(
0.0t
0.0(
0.0(
0.0(
0.0c
14015't 003500162000
1401 5100451 2100000
0.0(
0.0(
0.0(
0.0(
0.0(
140151004515100000
'1401 51 0050001 00000
1401 51 000000200000
0.0(
0.0c
0.0c
0.0c
0.0c
401 51 0045051 00000

401 51 00451 0t 71 000
\uto Loans
\,lotorcvcle Loans
140151 00451 01 72000
2
-oans to Gorporations
Performing
Items In
Lltlgation
1401 51 003500161 000
140151 00451 01 00000
ilon-Resldents
Past Due and

Already Non-
1401
Cthers
-oans to Individuals for Other Purposes
Past Due But ilol
Yet NonPerformlng
Current
140't5't 000500122000
Votor Vehicle Loans
Salary-Based General-Purpose Consumption Loans
1401 51 000500121 000
lredit Card
1
1401
0.0t
0.0(
0.0(
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
51007000200000
1 401 51 000000000000
rOTAL
' of which loens uscd 16 mmnlv with Aorerian Reform/Other Aoricultural Loans
1 401 50501 01 51 00000
1 401 5050 1 0201 00000
.2) Jther Aqricultural Credit Loans
0.0(
0.0(
0.0(
0.0c
0.0c
0.0c
0.0c
0.0c
0.0c
0.0c
Loans and Recaiyabla. - (Xh.rr

Itovaments of Allowances for Crcdlt
Schodul.
tici
lotl
Loa3
Paao Accounl3
Particulars
ilesldents
1
-oans to Govemmenl
l.
tlational Govemment
).
LGUs
GOCCs
1.
Account Code
651
Cther Financial
Non-Financial
2 Aqrarian Reform / Other Aqricultural Loans
a.
b.
f,ther Aqricultural Credit Loans
3 Microenterprise Loans
a.
\iicrofinance Loans
b.
3ther Microenterprise Loans
4. Small and Medium EnterDrise Loans
a.
b.
\,ledium Scale Enterprise
2.
5 Oontracts to Sell
:inancial
D.
!on-Financial
7. Loans to Individuals for Housino Purooses

E
loans to Individuals Primarily for Personal Use

)urposes
)-
estlmated
credlt losses
Recoverles
Other
adrustments
0.0(
0.0c
0.0c
0.00
0.0(
0.0c
0.0c
0.0c
0.0c
6s150001010100000
651 50002000100000
65150002005100000
651s0002010100000
65 1 50002500 1 00000
651 50002505100000
651 50002510100000
65 1 50003000 1 00000
0.0(
0.0c
0.00
0.0[
0.0(
165150003500160000
1651 500035001 61000
1651 500035001 62000
1651 500040001 00000
0.0(
0.0c
0.0(
0.0c
0.0(
1651500M500100000
0.0c
0.0c
0.0(
0.0c
0.0(
00000
65150004510100000
0.0c
0.0c
0.0(
0.0(
0.0(
651 500045051
\uto Loans
1651 500045101 71000
Vlotorcvcle Loans
1651 500045101 72000
t.
Others
9. -oans to Individuals for Other Purposes
0.0(
65150001 005100000
4 -oans to Individuals
Amounts
reversed for
50000500123100
50000500123200
651 50001000100000
Non-Resldents
taken agalnst
the allowance
Amounts set
asids fol
estlmated
credlt losses
651 50000500123300
lalary-Based General-Purpose Consumption

-oans
rOTAL
651
lredit Card
1
Wrlteoffs
Gloslng
dlrec.tly
Balances
recognlzed ln
proflt or loss
Charge-offs
dlrectly
recognized ln
profit or loss
0.0(
0.0(
0.0c
0.0c
0.0(
0.0c
0.0c
0.00
0.00
0.0(
0.00
0.0(
0.0(
0.0(
0.0(
0.0c
0.0(
0.0c
0.0c
0.0c
0.0c
0.0(
Specific allowances for individually assessed financial assets and Specific allorirances for collectivelv assessed financial assets
1651 50000000100000
0.00
0.0(
0.0c
0.0(
0.0(
651 500005001 20000
0.0c
0.0(
0.0c
0.0(
0.0(
651500005001 21000
651 500005001 22000
651 500005001 23000
0.0(
0.0(
0.0c
0.0(
0.0c
7.
Opening
balance
1651 50004512100000
165't500045151 00000
50000000200000
651
651 50007000200000
651 50000000000000
0.0c
0.0c
0.0c
0.0c
0.00
0.00
0.0(
0.0(
0.0(
0.0(
0.0(
o.0(
0.0c
0.0c
0.0c
0.0c
0.0c
0.0c
0.0c
0.0c
0.00
0.00
0.00
0.00
0.0(
0.0(
0.0(
0.0(
0.0c
0.0(
0.0c
0.0(
0.0c
0.0(
0.0(
0.0(
0.00
0.0(
0.00
0.0c
0.0c
U.U(
0.0(
Schedule 11dl
1of

Peso Accounts
Type of Buslness / Industry
dE
Account Code
:;g
oo6
F$
"
9o
OE
oi
CD
:o
"9
giFH=
=o
ct!
E;EF
.,
:(!
Ef
-o
6S
tto
tr
.9iE
g'$ssg
o
E
(,o
t,Fg
EE >
o5
EOo
=
fi:"
<E
Resldents
140150000000100000
0.00
0.0(
0.0(
0.0(
0.00
0.0(
0.0(
0.0c
A" For Production, by Economic Actlvlty - Total
140150000000100001
0.00
0.0(
0.00
0.0(
0.00
0.0(
0.0(
0.0c
1401 50000500120000
0.00
0.0(
0.0(
0.0(
0.00
0.0(
0.0(
0.0c
GOCCS
140150000500123000
0.00
0.001
0.00
0.00i
0.00
0.00
0.0(
0.0(
3.
140150000500123300
0.0(
0.0(
0.00
0.0(
0.0c
1. Loans to Government
c.
Non-Financial
2. Aorarian Reform / Other Aqricultural Loans
a.

b. Other Aoricultural Credit Loans
3. Microenterorise Loans
a. Microfinance Loans
b. Other Microenterprise Loans
4. Small anct Medium Enterprise Loans
a. Small Scale EnterDrises
b. Medium Scale Enterprise
6. Loans to Private Corporations
b.
Non-Financial
140150001000100000
1401 50001 0051 00000
140150001010100000
0.0(
140150002000100000
't401 50002005100000
1401 50002010100000
1401 50002500100000
1401 50002505100000
0.00
0.0(
0.0(
0.0(
0.0(
0.0(
0.0c
0.0(
0.00
0.0(
0.0(
0.0(
0.0(
0.0(
0.0c
0.0(
401 500035001 60000
0.00
0.001
0.00
0.001
0.00
0.00
0.0c
0.0(
1401 50003500162000
1401 50005000100000
ru
Schedule
lldl
2ofG

Peso Accounts
Type of Business / lndustr!
Account Code
Salary-Based General-Purpose Consumplion Loans
1. Central Governmenucentral Banks
TOTAL
9o
6.=
ol
.=G
$3E
Borrowers / Type of Loans
c.
dE
E s.g
ct
It
c
t
o
o
5
.9*e
=o
giFE=
EE EF
a!
-o
6S
o
3
g'E'sg
o
c
o
C'
sc
E
tE
!E"
1401 500045't2100000
40 1 50005500200000
1401 50000000000000
Currenl
140150018505600000
2.
3.
4.
5.
1401 5001 851 0600000
1401 5001 851 5600000
ltems in Litioation
'1401 50018520600000
140150012805600001
6.
Real estate exposures under M-2012-046
140't 5001 3500700000
0.00
0.001
0.00
0.001
0.001
0.001
0.0c
0.0(
Schedule 11dl
3ofo

Peso Accounts
tt
c(!
Type of Buslness / Industrl
oo
ECD
Account Code
aoG
69
o.o
6
c
e
ttr
to
.!5
..!
6.9
.!:
EE
:E
EO
:o
iE=
i:6
go
t^=
EE8
o:E
E F.E
uJ>
-5
oo
:=o
l!E<
.9
p<
Es
*e
#ts
EBE
E*i
E5
.EEE
e
ar'E
2 9.h >
EEf TE
o6;:
"EEF'
zo
o
o
o
5
uI
(,
lesidents
't401 50000000100000
0.0(
0.0(
0.0(
0.0(
0.0c
0.01
0.0c
0.0(
A- For Production, by Economic Actlvity - Total
1401 5000000010000'l
0.0(
0.0(
0.0c
0.01
0.0c
0.0(
0.0c
0.0(
140150000500120000
0.0(
0.0(
0.0c
0.0(
0.0c
0.0(
0.0(
0.00
0.001
0.00
0.001
0.00
0.00
0.0(
0.0(
0.00
0.0(
0.0(
0.0c
0.0(
0.00
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.00
0.0(
0.0(
0.0(
0.00
0.0(
0.0(
0.00
0.001
0.0(
0.0(
1. Loans to Government
a.
National Government
140150000500121000
b. LGUS
c. GOCCs
140150000500122000
1.
2.
140150000500123100
Other Financial
140150000500123200
3.
Non-Financial
1401 500005001 23300
2. Aqrarian Reform / Other Aqricultural Loans
a.
140150000500123000
1401 50001 0001 00000

b. Other Aoricultural Credit Loans
Microenterprise Loans
a. Microfinance Loans
b. Other Microenterprise Loans
Small and Medium Enterprise Loans
a. Small Scale Enterprises
Contracts to Sell
Loans to Private Corporations
a. Financial
b. Non-Financial
1401 50001 0051 00000
8. Loans to Individuals for Other Purooses
1401 50005000100000
3.
4.
5.
6.
1401 50001 0 1 01 00000

1401 50002000100000
1401 50002005100000
1401 5000201 0100000
1401 500025001 00000
1401 500025051 00000
1401 50002510100000
1401 500030001 00000
140150003500160000
1401 500035001 61000
1401 500035001 62000
Schedule
lldl
4ofG

Peso Accounts
E
t
Type of Business / lndustry
Account Gode
oo
5tD
oo
b9
o. at,
a
TOTAL
40 1 50007000200000
40 1 50000000000000
Addltlonal Information:
Current
140150018505600000
2.
3.
1401 5001 851 0600000
1401 5001851 5600000
{.
i.
ltems in Litiqation
1401 50012805600001
l.
Real estate exposures under M-2012-(Xo
1401 50013500700000
1401 5001 8520600000
0.0c
ttE
EO
6.5
-a!
6.9
of
EE
:E
=o
!o
0.0(
o
a)
--co
-91!O
g:E
8e{
*ts
p<
Ef;
I!>
-5
ot
F Eqi
.=-9
l!E<
C
FE
9o
s.9
o=
-EE
EF3
8=E
E:
fl
0.00
0.0(
0.0(
s a
-88?e
l! o;
o 3
i'=X6O
- =E =U'
E!
0.0(
o
o
o
5
ut
iFF(,
E'
tr
0.0c
0.0(
Schedule 11dl
5ofG

Peso Accounts
Account Code
tsc
iEE
Fr
E.n
EE
teE t
tt
E
6J
Type of Buslness / Industrl
5
I
o
,
x9.
EE
FE
E3
tE
os
gF
fi5
5<
gi$EgFc*
o
o
*E E=
Residents
401 500000001 00000
0.0c
0.0(
0.0c
0.0(
0.0(
A" For Productlon, by Economlc Activlty - Total
401 500000001 00001
0.0(
0.0(
0.0c
0.0(
0.0(
401 500005001 20000
0.0(
0.0(
0.0c
0.0(
0.0(
1. Loans to Governmenl
a.
b.
National Government
LGUS
1401 50000500122000
c.
GOCCS
1401 50000500'123000
2.
3.
0.0(
0.001
0.00
0.0c
0.0(
1401 500005001 23100
0.0(
Other Financial
1401 500005001 23200
0.0(
Non-Financial
1401 50000500'1 23300
0.0(
140150001000100000
1401 50001 005100000
1401 50001 01 0100000
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
2. Aqrarian Reform / Other Aqricultural Loans
a. Aqrarian Reform Loans

b. Other Aoricultural Credit
Loans
3. MicroenterDrise Loans
a.
b.
Microfinance Loans
a. Small Scale Enterprises
6. Loans to Private Coroorations
a. Financial
b. Non-Financial

B. For Household Gonsumption - Total
9. Loans to Individuals Primarily for Personal Use Purposes
a.
b.
0.0(
40150000500121000
0.0(
0.00
0.00
0.0(
0.001
0.00
0.0(
1401 50002005't 00000

1401 500020101 00000
't
40 1 50002500 1 00000
1401 500025051 00000

1401 5000251 01 00000
1401 500030001 00000
1401 50003500160000
't4015000350016'1000
140150003500162000
1401 50004000100000
140150005000100000
1401 500000001 00002
1401 50004500100000
Credit Card
1401 50004505'100000
Motor Vehicle Loans
1401 5000451 01 00000
1.
1401 5000451 0't 71000
Auto Loans
0.0(
1401 500020001 00000
0.0(
0.0(
0.0(
0.0(
0.0(
Schedule
lldi
6 of 6

Peso Accounts
c
cOE
GT
+^o
Type of Business / Industn
E.9
q3E
=-YO
Account Code
ir.E
Eo||
6C'<
Eo
t6
2.
Motorcycle Loans
General-Purpose Consumption Loans
{on-Resldents
. uenlral uovernmenvuentrat tranKs
z.
PUDIC Sector Enuiles
3. Loans to Coroorations
;;(,
-o
Et
-!t
,iE
c. Salary-Based
d. Others
.-6
$t {,
iE
(,
'9o
c-9
E=
s'5
oo
<
o
te
gEFEgFE*
Et
(!
*EEU
't401 5000451 01 72000

1401 500045121 00000
1401 5000451 51 00000
1401 50000000200000
1
0.0(
401 50005500200000
140150006000200000
1
40 1 50006500200000
1401 50007000200000
40 1 50000000000000
TOTAL
'1. Cunent
'1401
0.0c
0.0c
0.0(
0.0(
0.0c
50018505600000
0.00
2.
3.
4.
5.
1401 5001851 0600000
0.00
14015001851 5600000
0.00
ltems in Litioation
1401 5001 8520600000

1401 5001 2805600001
0.00
0.00
6.
Real estate exDosures under M-2012-046
1401 5001 3500700000
0.0(
Schedule 11el
Peg.2 ot 2

Classifled as to Status Pel PAS 39
Peso Accounts
Particular!
Carrying amount of ths impaired

a33ots Horc allowanco for crcdit
Account Code
lo3ie!
Re8ldont3
lSocial Security Institutions

f,ther Financial
Total
00000
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.01
0.0(
0.0(
1401 500005001
22000
1401 500005001
23000
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
50000500123100
0.0(
1401 500005001
23200
0.0(
401 500005001
23300
401 50001 0001
00000
401 50001 0051
00000
1401 50001010100000
1401
{on-Financial
{grarian Refom / Other Agricultural Loans
a
enhancomonta received a3 3ocuaity

for th. nlated impaircd and part
14015000050012t000
-GUs
3OCCq
1.
Specific allowanca3 foi colleclively

a3se33ed financlal assetg
1401 500005001 20000
1401 500000001
-oans to Government
{ational Government
Spocifi c allowances for individually

a3iossod fi nancial asastE
!licroenterorise Loans
1401 500020001 00000
Microfinance Loans
1401 500020051 00000
Other MicroenterDrise Loans
1401 5000201 01
00000
401 500025001
00000
Small Enierorises
40't 500025051
00000
\redium EnterDrise
140 150002510100000
Small and Medium Enterorise Loans
]ontracts to Sell
6 Loans to Private Coroorations
:inancial
\on-Financial
1401 500035001
60000
0.0(
0.0(
0.0(
Us Purposs
0.0(
0.0(
0.01
0.01
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.01
0.0(
0.0i
0.0(
0.0(
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
't40 t 50003500161000
0.0(
50003500162000
0.0(
1401
50004500100000
0.0(
0.0(
0.0(
0.01
0.0(
0.0(
0.0(
0.0(
0.0(
'1401
5000451 01 00000
0.0t
0.0(
1401 500045051 00000
0.0(
0.0(
't40 t 50004000100000
Motor Vehicle Loans
1.
2.
00000
1401
-oans to Individuals tor Housing Purposes

-oans to Individuals Primarily br Pe6onal
lredit Card
401 500030001
0.0(
0.0(
0.0c
Auto Loans
1401 500045
000
0.0(
Motorcycle Loans
1401 5000451 01 72000
0.0(
2100000
0.0(
5000451 5100000
0.0(
Salary-Based General-Puroose
Consumption Loans
f,thers I
-oans to Individuals ior Other Purooses
lon-Re3ident3
1401 500045
'1401
01 71
140r500050001 00000
1
401
50000000200000
401
50007000200000
401
50000000000000
0.0(
0.0(
0.0(
0.01
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0,0(
0.0(
Schedule'llel
Page2 ot 2

Classlfled as to Statua Per PAS 39
Peso Accounts
leaidents
-oans to Government
\,lalional Government
for the rslated lmpalrsd and past

d'6 r..al.
aEse8sed financial a88ot8
Total
00000
0.0(
0.0(
0.0(
0.0(
0.0(
20000
0.0(
0.0(
0.0(
0.0(
0.0(
1401 500005001
2'1
000
0.0(
0.0(
50000500122000
sOCCq
1401
50000500123000
iocial Security Instilutions
r401
50000500123100
0.0(
f,ther Fanancial
t401 500005001 23200
0.0(
\on-Financial
1401
50000500123300
't401
50001000100000
Agrarian Retom Loans
1401
50001005100000
0.0(
Jther Aoricultural Credit Loans
1401 50001 01 01
00000
0.0(
Other Microenterorise Loans
1401
401 500020051
't40't
vledrum Entemnse
00000
0.0(
0.0(
0.0r
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.01
0.0(
50002510100000
0.0(
50003000100000
,lon-Financial
140150003500162000
card I
v|otor Vehicle Loans
0.0(
0.0(
140
50003500161000
.;redrt
0.0(
1401
1401
to Individuals Pramarily ior Pe6onal Use Purpdses
0.0(
0.0(
50003500r60000
.oans
0.0c
50002505100000
1401
-oans to Individuals for Housinq Purposes
0.0(
00000
to Private CorDorations
:inancial
o. -oans
0.0(
500020101 00000
1401 500025001
Jmall Enterprises
lontracts to Sell
500020001 00000
1401
Microfinanc Loans
imall and Medium Enterorise Loans
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
t40150004000100000
140150004500100000
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
1401 50004505100000
140r 5000451 01 00000
0.0(
0.0(
0.0(
0.0(
Auto Loans
1401 500045't 0't 71 000
0.0(
Motorcvcle Loans
1401 5000451 01 72000
0.0(
ialary-Based General-Purpose Consumption Loans
14015000451 2100000
0.0(
)thers
14015000451 5100000
0.0(
9 -oans to Individuals for Other PurDoses
ton.Roaidenta
a3ssssod flnenclal assotg
1401 500005001
1401
,licroenterorise Loans
rOTAL
votraraEt anq omer Grutr
1401 500000001
LGUs
\grarian Reiorm / otner Agricultural Loans
Canying amount of the lmpaired

aasets bofore allowanca for crodil
loaaog
Account Code
Paltcularlb
1401
50005000100000
14015000@00200000
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
401 50007000200000
1401 50000000000000
0.0(
0.0(
0.0(
Schedule 11h1
Page 1 of 1
MOVEMENTS
ll{ NON-PERFORilII{G LOANS (l{PLe)
r/
By Economic Activity
Reasons for tho Decllno In NPLs
Patticulal!
Opening
Balanco
Account Code
Nswly
Reclasrlff catlon/Transfor to
NPL
Paynents
rOTAL
14000001 851 2000000
-oan3 and Receivables-Others, Rosldent3

t. :or Production, by Economic Activlty
0.0(
0.0(
0.0(
00000
0.0(
0.0(
0.0(
r401 5001 651 21 00001
0.0(
0.0(
0.0(
1401 5001 851 2 t 001

1
ryhobsale and Retail Trade, Repair Of Motor Vehicles, Motorclrcles

\ccommodation and Food Seruice Activities
ransportation and storage
0.
'tl
z.
t4
t6.
17
t8.
l0
\ctivities of Households as Employers and Undifferentiated Goodeand-Servicestroducing Activities of Households for Own Use
\ctivities ot Extra-Teritorial Organizations and Bodies

B. For Household Consumption
)redit Card Receivables
sPv
Additions/
(
Deductions )
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0,0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
1401 5001851 2100601
0.0(
1401 5001 851 21 00701
0.0(
1401500 1 851 21 00801
0.0(
0.0(
0.0(
-oana and Receiyabl$ Arlsing fiom RA CA/PR and SLB Transac$on3

Gross NPLs as dolined undor Circulat No.772 dated 16 Octobor 2012
0.0(
1401 5001851 21 01 401
0.0(
1401 5001 851 21 01 501
0.0(
r401 5001 851 21 01 601
0.0(
500185121 01 701
0.0(
1401 50018512101 801
0.0(
1401 5001 851 2 1 01 901
0.0(
14015001 651 21 02001

0.0(
1401 5001851 21021 01
00002
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
14015001 851 2 t 001 02
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
140 t 5001 851 21
401 500185121 00142
1401 500't 851 21001 32
l{on-Residonts
0.0(
1401 5001851 2101 301
140150018512'120122
f,thers
0.0(
1401 5001851 2101 201
1401500'185121't0122
uonsumption Loans
0.0(
0,0(
1401 5001 85 t 21 00501
140150018512100122
Motorcycle Loans
j=a+bh)+i
1401 5001 85 1 21 00401
1401
Closlng
Balance
{srrm of c ll
0030
140 1 5001851 21 001
Vehicle Loans
Auto Loans
il
Sale to
140150018512101 101
iuman Healh and sociat work Activities

Ms, Enlertainment and Recreation
)ther Seruice Activities
-oans and Receiyabl3ao$te|r8.

nterlrank Loan3 Receiyablss
Rerfucfurd Loang
Not Considard ilPL
a
14015001 651 21 01 001
teal Estate Activities

,rofessional, Scientific and Technical Activiiies
\dministrative and Support Seruice Activities
rublic Administration and Defense; Compulsory Social Security
:ducation
5arary-tsaseo LjeneraFPurpose
Status
1401 5001851 2100901
nfomalion and Communication

:inancial and Insurance Aclivities
vlotor
Potfoming
401 5001 851 210020

5001 E51 21

lvater supply, Sewerage, Waste management and Remediation Activities
lonstruction
ROPA
e
0.0(
1401 5001 851 21
\grEulture, l-orestry and Fishing

srnrng ano quarryrng
WriteOffs
Other
Adjustments
r40r500't 851 2200000

r
401 5001851
2000000
14020001E51 2000000
0,0(
0.0(
0.0t
0.0(
0.0(
0.0t
0.0c
0.0c
00(
Schedule 11h2
Page 1 of 1
AGING OF NON-PERFORilII{G LOANS (NPLa} r'

By Economlc Ac{ivity
Aging of NPLs from Dato of Reclassification z
Partlculars
Account Code
<l year
'
yoat bu
yoars
> 2 ygars
but
<
yeara
roTAt-
14000001 851 2000000
but <4
4 yoaB
but <5
y6ara
years
> 3 years
>
> 6 yeaB
but <0
but <t
but <8
but
yeara
yeara
years
yeara
0.0(
0.0(
0.0(
y6a
> 5 y6ars
>7
> 8 y6aru
> 9 yoars
but 310
0.0(
l=sumofa
tok
0.01
0.0(
0.0(
0.0(
0.01
0.0(
0.0(
0.0(
-oana and Rocgivablesothe]1B. Relidonts
4015001851 2100000
0.0(
0.0t
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
\.
0.0(
0.0(
0.0(
401 5001 851 21 00001
0.0(
0.0(
0.0(
o.o(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
For Production, by Economlc Acdyity
t.
{griculture, Foreslry and Fishing
1401 5001 851 21001 01
vlan ufactu ri
ng
t0
ivholesale and Retail Trade, Repair of Motor Vehicles, Molorcvctes
140 1500't8512100701
\mmmodation and Food Seruice Aclivities
'1401 5001 851
401 5001851
21
2100801
l2
teal Estate Activities
1401 5001 851
'rofessional, Scientifi c and Technical Activities

\0mrnrstrative and Support Seruice Activities
1401 5001 851 21 01401
rublic Admanistration and Defense; Compulsory Social Security
1401 5001 851 21 01 501
:ducation
1401 5001 651 21 01 601
iuman Health and Social Work Activities
1401 5001 851 21 01 701
40 t 5001851
21 01
1401 5001 851 21 0 t 901
20
\ctivities of Households as Employers and Undiflerentialed Goods-andlervices-Producing Aclivities of Households for Om Use
1401 5001 851 21 02001
\4otor
1
Vehicle Loans
Auto Loans
401 5001851 21
0,1
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
1
401 500185't 21021 01
14015001 851 21 00002
0.0(
0.0(
0.0(
o.o(
0.0(
0.01
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
r401 5001851 2100102
0.0(
0.0(
0.0(
0.0(
0.0(
0.0r
0.0(
0.0(
0.0(
0.0(
0.0(
0.0c
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
1401 50018512't001 I 2
1401 5001851 21 001 22
1401500'18512110122
149150018512120122
ialary-Based GeneraFPurpose Consumption Loans
401 5001851
21
00142
1401 5001851 21 00't 32
.oana and RocaivablesothoB, Non-Ro8idonta
14015001 851 2200000
ntorbank Loans Recsivables
1401 5001 851 2000000
-oan3 and Rsceivabl$ Msing from RA CA/PR and SLB Transactions
'/ Gross NPLs as delined und8r Circular No. 772 datsd 16 October 2012
0.0(
0.0(
801
l. Motorcycle Loans
Cthers
0.0(
301
)ther Seruice Activities
)rgdit Card Receivables
0.0(
2't0t 201
19.
0.0(
4015001 851 21 0 t 001
qrts, Entertainment and Recrealion
\ctivities of Extra-Terilorial Organizations and Bodies
0.0(
r4015001 E51 2 l 00901
140150016512101 101
:ol Hou3ehold Consumptlon
0.0(
0.01
ransponat,on and storage
:inancial and Insurance Aciivities
E.
0.0(
00601
nformation and Communication
0.0(
1401 5001 851 2100501
.;onslruction
0.0(
1401 5001 851 21 00401
supply, Sewrage, Waste management and Remediation Activities
Arater
0.0(
140150018512100301
0.0c
0.0(
'14015001851 2100201
vlining and Quarrying
Total
Amount
years
0.0(
> '10 ysars
40200018512000000
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
ach.dut. Ztdl
l dtl
ht r. t Incom. tro|n Lorn!

ClIt|ll.d.3 to Shti.
rnd R.c.tvrbt|
Odr.E
Particulars
a.
b.
c.
Natonal uovomment
LGUs
GOCCS
2. Agrarian Reform / Other Agricultwal Loarc

Agrarian Refom Loar6
OtherAgriculturalCreditLoars
3. Microrierprise Loans
a.
b.
b.
Medium Enterprise
6. Loans to Private CorDorations
a.
Financial
b.
MotorvehideLoans
1.
2.
Auto Loans
Motorcycle LoaGs
3. Loans to CorDorations
"lncludes Restnrctured Loans
Account Code
505056500000100000
505056500s@100000
505056500500121000
505056500500122m0
505056500500123000
505056500500123100
505056500500123200
505056501000100000
505056502505100000
50505650251010(Xn0
s0s0565030(n100000
5050565035001 00000
505056503500101000
505056503500102000
505056504000100000
Items In Litlgation
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0c
0.0(
0.0c
0.fi
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0{
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
505056504510100000
5050565(X51 01 71000
5050565045101 72000
505056504512100000
50505650451 51 00000
5050s65050001 00000
505056506500200000
s05056507000200000
505056500000000000
Total Intorest Income from

Loans and ReceivablesOthors
Past Due But Not Yet NonPerformlng
Current
50s0565010051m(no
5050565010101omrc
505056502000100000
505056502005100000
505056502010100000
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
o.-oi
0.0(
0.0(
0.0(
0.0c
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
0.00
0.0c
0.0(
0.0(
0.0(
Schedule 33
1ot4
Gains(Losses) from Sale/Redemptlon/Derecognitlon of Non-Tradlng Financial Assets and Laabllltles
(Excluding Flnanclal Assets and Liabllities Designated at FV Through Proflt and Loss and FV Adjustment In Hedge Accounting)
Schedule 33
2of4
Gains/(Losses) from Sale/Redemptlon/Derecognition of Non-Tradlng Flnanclal Assets and Llabllltles
(Excluding Flnanclal Assets and Liabllltles Designated at FV Through Profit and Loss and FV Adjustment In Hedge Accoungng)
Schedule 33
3
Gains/(Losses) from Sale/Redemption/Derecognition of Non-Tradlng Flnancial Assets and Liabllities
(Excludlng Financial Assets and Liabilities Deslgnated at FV Through Proflt and Loss and FV Mjustment In Hedge Accountlng)
Loans to Private CorporatiorB
of4
Schedule 33
4ot4
Gains/(Losses) from Sale/Redemptlon/Derecognition of Non-Trading Financial Assets and Liabilities
(Excluding Financial Assets and Llabilities Designated at FV Through Proflt and Loss and FV Adlustment in Hedge Accounting)
BSP-7-26-02H
SUBMISSION: Original - SDC

DEADLINE: 30 days after end of each quarter
NON STOCK SAVINGS AND LOAN ASSOCIATIONS

CONSOLIDATED STATEMENT OF CONDITION
As of
Amounts in absolute figurcs
ASSETS
1 CASHON HAND
2 CHECKS AND OTHER CASH ITEMS

3 DUE FROM BSP
4 DEPOSITS IN BANKS
5 Loans and discounts
a.
b.
c.
d.
e.
f.
S.
Agricultural Loans
Commercial Loans
Industrial Loans
Real Estate Loans
Consumption Loans
Salary-BasedGeneral-PurposeConsumptionLoans
Motor Vehicle Loans
i. Auto Loans
ii. Motorcycle Loans
h.
i.
j.
k.
Other Loans & Discounts

Mortgage Contracts Receivables
Past due loans and discounts
ltems in litigation
6 Less: Allowance for probable losses

7 NET LOANS AND DISCOUNTS
8 INVESTMENTS IN BONDS & OTHER DEBT INSTRUMENTS
a.
b.
Government
Private
9 REAL PROPERTY, FURNITURE, FIXTURES & EQUIPMT
a.
b.
c.
d.
e.
Real Property - Land

Building under construction
Real Property - Buildings (net)
Leasehold rights & improvements (net)
Furniture, Fixtures & Equip. (net)
1O REAL AND OTHER PROPERTIES OWNED OR ACQUIRED
11 OTHERASSETS
12 TOTAASSETS
13 DEPOSIT LIABILITIES
a.
b.
Savings Deposits
Time Gert of Deposits
14 BILLS PAYABLE
15 ACCRUED TAXES & OTHER EXPENSES
16 UNDEARNED INCOME & OTHER DEFERRED CREDITS
17 OTHER LIABILITIES
18 TOTAL LIABILITIES
1
9 CAPITAL CONTRIBUTIONS
20 SURPLUS (Free)
21 SURPLUS RESERVES
a.
b.
c.
Reserve on Deposit Liabilities

Withdrawable Share Reserves
Others (specify)
22 UNDIVIDED PROFITS
23 TOTAL CAPITAL ACCOUNTS
24 TOf N LIABIL]TIES & CAPITAL ACCOUNTS
Signature over printed name of
Authorized Officer
Designation
NON STOCK SAVINGS AND LOAN ASSOGIATIONS

CONSOLIDATED STATEMENT OF INCOME AND EXPENSE
For the period
Amounts in absolute figures
A"
CURRENT OPERATING INCOME
1 InteresuDiscounts Eamed
a.
b.
c.
d.
e.
f.
g.
h.
i.
j.
k.
l.
InteresvDiscounts Eamed - Agricultural Loans

InteresuDiscounts Earned - Commercial Loans
InteresuDiscounts Earned - Industrial Loans
InteresuDiscounts Eamed - Real Estate Loans
InteresvDiscounts Eamed - Consumption Loans
InteresUDiscounts Eamed - Salary-Based General-purpose Consumption Loans
InteresvDiscounb Eamed - Motor Vehicle Loans
i. InteresuDiscounts Eamed - Auto Loans
ii. InteresvDiscounts Eamed - Motorcycle Loans
InteresuDiscounts Eamed - Other Loans and Discounts
Interest - Mortgage and Contract Receivables
Interest - Past Due / ltems in Litigation
Interest - Investments
Interest - Deposits in Banks
2 Service Charges / Fees

3 Dividends
4 Other Income
B.
CURRENT OPERATING EXPENSE

1 Interest on DeDosits
2 Interest on Bonowed Funds

3 Compensation / Fringe Benefits
4 Management & other Professional Fees

5 Fines, Penalties & other charges
6 Taxes and Licenses
7 Insurance
8 Depreciation and Amortization
Litigation / Assets Acquired Expenses
10 Bad Debts Written-Off

11 Provisions
12 Other Exgenses
c.
NET OPERATTNG TNCOME
D,
Add: Recoverios, Profits & Reduction in Val. Reserves
(LOSS)
1 Recoveries on charged-offassets
a. Loans and Discounts
b.
c.
Securities
Others
2 Reduction
in Valuation ReseNes
3 Profits on Assets Sold or Changed
4 Others (specify)
a,
b.
E.
Deduc{: Losses, Write{fis and Additions to Val. Resorves
'l Wdte-off Assets
a.
b.
c.
d.
Loans and Discounts

Securities
Bank Premises, Fumiture, Fixtures & Equipment
Others
2 Additional Valuation Reserves
3 Loss on Assets Sold or Exchanged
4 Others
F
NET INCOME BEFORE INCOME TA)(

Provision for Income Tax
NET INCOME AFTER TAX
ANALYSIS OF UNDIVIDED PROFIT ACCOUNT

A.
o.
Balance at the beginning of the period covered by this report

Additions during the period:
1
2
Net Income (Loss) during the period

Others (specify)
a
o
D.
Total undivided profib during the period

Deductions during the period:
1
2
3
4
Amount transfened to Withdrawable Share Reserves

Amount transfened to Sumlus Free
Amount transfned to Surplus Reserves
Others (specify)
a.
b.
E.
Balance at the end of the period
ANAYSIS OF SURPLUS ACCOUNT
A.
B.
Balance at the beginning ofthe period

Additions during the period:
1 Transfened from Undivided Profits during the period
2 Others (specify)
a,
C.
D.
Total
Deductions during the period:
1 Transfened from Undivided Profits during the period
2 Others (specify)
a.
o.
Balance at the end of the period

DIVIDENDS
A.
AmountofDividends declared during the period covered bythis report 1/
B.
Date Declared:
Dividend Rate:
c.
Payable on:
D.
Total capital contribution eligible for dividends

Amount per contribution
E.
Total dividends paid since organization
REPUBLIC OF THE PHILIPPINES )
) s.s.
of the above-named savings and loan association do solemnly swear that
the foregoing report is true to the best of my knowledge.
gnature over printed name

Authorized Officer
Designation
SUBSCRIBED AND SWORN to before me this
his/her Community Tax Certificat No.
Doc. No.
Page No.
Book No.
Series of
200_.
_
issued at
day of
_,
200_, affiant exhibiting to me

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BANGKO SENT]TAL NE PILIPINAS

OFFICE OF THE GOVERNOR

CIRCUIAR NO. 886

Subject: Guidelines on Salarv-Based General-Purpose Consumotion loans

"9x32V943375 Policies on Salary-Based General-Purpose Consumption loans.

Definition. Salary-Based General-Purpose Consumption Loans. Refer to

Transactions Covered. Salary-based general-purpose consumption loans

Report. For the purpose of reporting in the Financial Reporting Package,

financial assistance under an approved fringe benefit program should be

X32t.2l 43375.2 Credit Granting

Policies of financial institutions (Fls) shall be consistent with best

practices and sound credit processes prescribed under

regulations, including a comprehensive assessment of the borrower's

Individual borrowing capacity should be prudently assessed

No loan renewal shall be granted without re-assessing borrowing

X321.314337S.3 Consumer Protection - Fls are required to strictly adhere to

PartTen entitled Consumer Protection of the Manual of Regulations for

Part 4 of the Regulations Governing Non-Stock Savings and Loan

X321.414337S.4 Sanctions. - The Monetary Board may, at its evaluation and

The Financial Reporting Package, prescribed under Subsection X191.2 of

Loans and Receivables

to Bangko Sentral ng Pilipinas - xxx

Loans to Individuals Primarily for Personal

personal use purposes.

the basis of regular salary,

payments or other type of

This refers to the

individuals to finance other

than those described under

(b) Reporting Template

Similarly, the reporting templates of Simplified FRP for Rural and

Moreover, Section 41625 of the MORNBFI is also amended to

effective report ending 30 September 2015.

consumption loans to comply with the provisions contained herein.

FOR THE MONETARY BOARD:

Loans and Receivables - Others 1/

1401 505020051 00000

lSalary-Based ceneral-PurDose ConsumDtion Loans

lentral Governmenucentral Banks

14U1 5U5045101 011000

401 505050001 00000

1401 5050451 51 00000

1401 505045't21 00000

orarian Reform Loans

401 5050 1 01 51 00000

Loans and Receivables - Others il

Loans to the extent covered by hold-out on, or

to lhe xtent guaranteed by TIDCORP

estate mortgage loans to the extent guaranteed

40 1 5051 200061 0000

Liability on Bills/Drafts Under LC/TR

Items 12 to 16, Loans and Receivables - Others.

of FCDU/EFGDU Loans and Roceivables.

be reported at Amortized Cost i.e. Gross of Allowance

Loans and Receivables - Others 1'

-oans with Specific Approval by the BSP (Section 23 of

lhort-term Loans to Resident Private Sector Borrowers

401 5051 6500600000

401 5051 7000600000

1401 5051 7500600000

1401 5051 8000600000

,rrhich under existing regulations requires no prior BSP