2016 2015
Assets
Cash and Other Cash Items
Due from BSP
Due from Other Banks
Interbank Loans Receivable
Financial Assets at Fair Val
Available-for-Sale Securities 23,325,779,989.00
Loans and Receivables - net 50,790,241,751.00
Non-current Assets Held for
Investment in Associate - n
Property and Equipment - net
At cost
At appraised values
Investment Properties
Deferred Tax Assets - net
Other Assets - net
Total Assets
Liabilities and Equity
Deposit Liabilities
Demand
Savings
Time
Bills Payable
Manager's Checks
Accrued Interest, Taxes an
Other Liabilities
Total Liabilities
Equity
Capital Stock
Paid-in surplus
Surplus reserves
Retained earnings (deficit)
Revaluation increment on p
Net unrealized losses on ava-
Remeasurement losses on def -
Share in other comprehensiv -
Cumulative translation adj
Total Equity
2014
1,635,564,614.00 2,253,631,232.00 2,325,629,766.00
31,232,966,983.00 49,802,020,338.00 49,198,853,766.00
3,839,466,066.00 3,287,775,229.00 3,548,086,460.00
18,076,096,271.00 5,383,605,561.00 5,699,715,902.00
93,511,228.00 1,701,471,773.00 353,207,510.00
23,449,649,377.00 27,881,239,579.00
42,441,759,594.00 42,839,186,301.00
53,667,264.00 69,246,837.00 221,891,898.00
48,265,331.00 49,171,240.00 54,613,767.00
429,706,361.00 466,219,049.00 551,095,260.00
840,453,110.00 1,428,032,971.00 1,593,876,999.00
6,213,588,230.00 5,401,420,485.00 4,572,699,473.00
168,489,161.00 212,946,195.00 337,971,391.00
1,937,985,894.00 1,526,836,569.00 1,532,729,652.00
138,685,782,253.00 137,473,786,450.00 140,710,797,724.00
24,422,977,807.00 24,045,718,290.00 19,873,040,729.00
68,709,645,591.00 79,478,816,608.00 83,851,463,411.00
24,363,391,426.00 13,647,607,324.00 15,861,858,501.00
117,496,014,824.00 117,172,142,222.00 119,586,362,641.00
484,385.00 688,850.00 827,621.00
716,059,911.00 500,111,612.00 544,153,494.00
941,943,850.00 907,868,265.00 836,832,035.00
225,833,783.00 2,163,029,627.00 2,565,865,612.00
121,380,336,753.00 120,743,840,576.00 123,534,041,403.00
11,224,111,200.00 11,224,111,200.00 11,224,111,200.00
5,594,079,646.00 8,748,529,687.00 8,748,529,687.00
152,581,050.00 146,692,129.00 142,211,945.00
618,096,016.00 - 3,154,450,041.00 - 3,600,050,151.00
447,151,737.00 404,436,767.00 488,637,661.00
556,622,743.00 - 386,556,197.00 447,296,136.00
164,228,770.00 - 231,690,806.00 - 254,936,675.00
1,023,607.00 - 1,527,794.00 - 303,744.00
1,300,971.00 - 19,599,071.00 - 18,739,738.00
17,305,445,500.00 16,729,945,874.00 17,176,756,321.00
138,685,782,253.00 137,473,786,450.00 140,710,797,724.00
 2016 2015
Assets
Cash and Other Cash Items 1,635,564,614.00 - 0.27 2,253,631,232.00
Due from BSP 31,232,966,983.00 - 0.37 49,802,020,338.00
Due from Other Banks 3,839,466,066.00 0.17 3,287,775,229.00
Interbank Loans Receivable 18,076,096,271.00 2.36 5,383,605,561.00
Financial Assets at Fair Val 93,511,228.00 - 0.95 1,701,471,773.00
Available-for-Sale Securities 23,325,779,989.00 - 0.01 23,449,649,377.00
Loans and Receivables - net 50,790,241,751.00 0.20 42,441,759,594.00
Non-current Assets Held for 53,667,264.00 - 0.22 69,246,837.00
Investment in Associate - n 48,265,331.00 - 0.02 49,171,240.00
Property and Equipment - net #DIV/0!
At cost 429,706,361.00 - 0.08 466,219,049.00
At appraised values 840,453,110.00 - 0.41 1,428,032,971.00
Investment Properties 6,213,588,230.00 0.15 5,401,420,485.00
Deferred Tax Assets - net 168,489,161.00 - 0.21 212,946,195.00
Other Assets - net 1,937,985,894.00 0.27 1,526,836,569.00
Total Assets 138,685,782,253.00 0.01 137,473,786,450.00
Liabilities and Equity #DIV/0!
Deposit Liabilities #DIV/0!
Demand 24,422,977,807.00 0.02 24,045,718,290.00
Savings 68,709,645,591.00 - 0.14 79,478,816,608.00
Time 24,363,391,426.00 0.79 13,647,607,324.00
117,496,014,824.00 0.00 117,172,142,222.00
Bills Payable 484,385.00 - 0.30 688,850.00
Manager's Checks 716,059,911.00 0.43 500,111,612.00
Accrued Interest, Taxes an 941,943,850.00 0.04 907,868,265.00
Other Liabilities 225,833,783.00 - 0.90 2,163,029,627.00
Total Liabilities 121,380,336,753.00 0.01 120,743,840,576.00
Equity #DIV/0!
Capital Stock 11,224,111,200.00 - 11,224,111,200.00
Paid-in surplus 5,594,079,646.00 - 0.36 8,748,529,687.00
Surplus reserves 152,581,050.00 0.04 146,692,129.00
Retained earnings (deficit) 618,096,016.00 - 1.20 - 3,154,450,041.00
Revaluation increment on p 447,151,737.00 0.11 404,436,767.00
Net unrealized losses on ava- 556,622,743.00 0.44 - 386,556,197.00
Remeasurement losses on def - 164,228,770.00 - 0.29 - 231,690,806.00
Share in other comprehensiv - 1,023,607.00 - 0.33 - 1,527,794.00
Cumulative translation adj 1,300,971.00 - 1.07 - 19,599,071.00
Total Equity 17,305,445,500.00 0.03 16,729,945,874.00
138,685,782,253.00 0.01 137,473,786,450.00
 2014

- 0.03 2,325,629,766.00
0.01 49,198,853,766.00
- 0.07 3,548,086,460.00
- 0.06 5,699,715,902.00
3.82 353,207,510.00
- 0.16 27,881,239,579.00
- 0.01 42,839,186,301.00
- 0.69 221,891,898.00
- 0.10 54,613,767.00
#DIV/0!
- 0.15 551,095,260.00
- 0.10 1,593,876,999.00
0.18 4,572,699,473.00
- 0.37 337,971,391.00
- 0.00 1,532,729,652.00
- 0.02 140,710,797,724.00
#DIV/0!
#DIV/0!
0.21 19,873,040,729.00
- 0.05 83,851,463,411.00
- 0.14 15,861,858,501.00
- 0.02 119,586,362,641.00
- 0.17 827,621.00
- 0.08 544,153,494.00
0.08 836,832,035.00
- 0.16 2,565,865,612.00
- 0.02 123,534,041,403.00
#DIV/0!
- 11,224,111,200.00
- 8,748,529,687.00
0.03 142,211,945.00
- 0.12 - 3,600,050,151.00
- 0.17 488,637,661.00
- 1.86 447,296,136.00
- 0.09 - 254,936,675.00
4.03 - 303,744.00
0.05 - 18,739,738.00
- 0.03 17,176,756,321.00
- 0.02 140,710,797,724.00
 2016 2015
Assets
Cash and Other Cash Items 1,635,564,614.00 0.0118 2,253,631,232.00
Due from BSP 31,232,966,983.00 0.2252 49,802,020,338.00
Due from Other Banks 3,839,466,066.00 0.0277 3,287,775,229.00
Interbank Loans Receivable 18,076,096,271.00 0.1303 5,383,605,561.00
Financial Assets at Fair Val 93,511,228.00 0.0007 1,701,471,773.00
Available-for-Sale Securities 23,325,779,989.00 0.1682 23,449,649,377.00
Loans and Receivables - net 50,790,241,751.00 0.3662 42,441,759,594.00
Non-current Assets Held for 53,667,264.00 0.0004 69,246,837.00
Investment in Associate - n 48,265,331.00 0.0003 49,171,240.00
Property and Equipment - net -
At cost 429,706,361.00 0.0031 466,219,049.00
At appraised values 840,453,110.00 0.0061 1,428,032,971.00
Investment Properties 6,213,588,230.00 0.0448 5,401,420,485.00
Deferred Tax Assets - net 168,489,161.00 0.0012 212,946,195.00
Other Assets - net 1,937,985,894.00 0.0140 1,526,836,569.00
Total Assets 138,685,782,253.00 1.0000 137,473,786,450.00
Liabilities and Equity
Deposit Liabilities
Demand 24,422,977,807.00 0.1761 24,045,718,290.00
Savings 68,709,645,591.00 0.4954 79,478,816,608.00
Time 24,363,391,426.00 0.1757 13,647,607,324.00
117,496,014,824.00 0.8472 117,172,142,222.00
Bills Payable 484,385.00 0.0000 688,850.00
Manager's Checks 716,059,911.00 0.0052 500,111,612.00
Accrued Interest, Taxes an 941,943,850.00 0.0068 907,868,265.00
Other Liabilities 225,833,783.00 0.0016 2,163,029,627.00
Total Liabilities 121,380,336,753.00 0.8752 120,743,840,576.00
Equity -
Capital Stock 11,224,111,200.00 0.0809 11,224,111,200.00
Paid-in surplus 5,594,079,646.00 0.0403 8,748,529,687.00
Surplus reserves 152,581,050.00 0.0011 146,692,129.00
Retained earnings (deficit) 618,096,016.00 0.0045 - 3,154,450,041.00
Revaluation increment on p 447,151,737.00 0.0032 404,436,767.00
Net unrealized losses on ava- 556,622,743.00 - 0.0040 - 386,556,197.00
Remeasurement losses on def - 164,228,770.00 - 0.0012 - 231,690,806.00
Share in other comprehensiv - 1,023,607.00 - 0.0000 - 1,527,794.00
Cumulative translation adj 1,300,971.00 0.0000 - 19,599,071.00
Total Equity 17,305,445,500.00 0.1248 16,729,945,874.00
138,685,782,253.00 1.0000 137,473,786,450.00
 2014

0.0164 2,325,629,766.00 0.0165

0.3623 49,198,853,766.00 0.3496
0.0239 3,548,086,460.00 0.0252
0.0392 5,699,715,902.00 0.0405
0.0124 353,207,510.00 0.0025
0.1706 27,881,239,579.00 0.1981
0.3087 42,839,186,301.00 0.3044
0.0005 221,891,898.00 0.0016
0.0004 54,613,767.00 0.0004
- -
0.0034 551,095,260.00 0.0039
0.0104 1,593,876,999.00 0.0113
0.0393 4,572,699,473.00 0.0325
0.0015 337,971,391.00 0.0024
0.0111 1,532,729,652.00 0.0109
1.0000 140,710,797,724.00 1.0000

0.1749 19,873,040,729.00 0.1412

0.5781 83,851,463,411.00 0.5959
0.0993 15,861,858,501.00 0.1127
0.8523 119,586,362,641.00 0.8499
0.0000 827,621.00 0.0000
0.0036 544,153,494.00 0.0039
0.0066 836,832,035.00 0.0059
0.0157 2,565,865,612.00 0.0182
0.8783 123,534,041,403.00 0.8779
- -
0.0816 11,224,111,200.00 0.0798
0.0636 8,748,529,687.00 0.0622
0.0011 142,211,945.00 0.0010
- 0.0229 - 3,600,050,151.00 - 0.0256
0.0029 488,637,661.00 0.0035
- 0.0028 447,296,136.00 0.0032
- 0.0017 - 254,936,675.00 - 0.0018
- 0.0000 - 303,744.00 - 0.0000
- 0.0001 - 18,739,738.00 - 0.0001
0.1217 17,176,756,321.00 0.1221
1.0000 140,710,797,724.00 1.0000
 2016 2015 2014
Interest Income
Loans and receivables 2,875,606,204.00 2,481,863,005.00 2,607,816,925.00
Debt securities 882,450,722.00 1,053,353,028.00 1,495,779,305.00
Due from BSP and other ba 241,093,330.00 401,202,935.00 337,552,957.00
Interbank loans receivable 190,577,104.00 18,233,643.00 11,978,671.00
4,189,727,360.00 3,954,652,611.00 4,453,127,858.00
Interest Expense
Deposit liabilities 862,626,893.00 846,492,696.00 964,849,221.00
Bills payable 646,798.00 747,274.00 755,515.00
863,275,691.00 847,239,970.00 965,604,736.00
Net interest Income 3,326,451,669.00 3,107,412,641.00 3,487,523,122.00
Other income
Trading and investment secur 342,427,184.00 366,368,135.00 343,294,404.00
Service charges, fees and 324,203,760.00 362,302,173.00 322,329,037.00
Gains on foreclosure, and s 257,113,853.00 181,450,226.00 262,973,952.00
Reversal of credit and impa 108,038,780.00 55,623,580.00 216,945,380.00
Foreign exchange gains - ne 51,341,679.00 57,310,853.00 14,142,972.00
Fair value gain from invest 47,586,165.00 450,294,708.00 415,626,919.00
Miscellaneous 83,777,604.00 159,742,300.00 132,334,272.00
1,214,489,025.00 1,633,091,975.00 1,707,646,936.00
Other expenses
Compensation and fringe be 1,381,603,312.00 1,439,186,801.00 1,367,701,128.00
Rent and utilities 671,243,535.00 676,660,674.00 608,752,617.00
Taxes and licenses 480,727,818.00 485,661,445.00 577,926,829.00
Insurance 209,021,659.00 200,648,829.00 217,177,575.00
Depreciation and amortizat 194,611,245.00 366,504,045.00 248,294,281.00
Entertainment, amusement 155,850,059.00 173,390,393.00 -
Amortization of software co 111,164,255.00 98,779,699.00 97,346,489.00
Management and profession 70,412,561.00 76,302,237.00 81,131,853.00
Miscellaneous 347,218,102.00 425,105,525.00 590,408,779.00
3,621,852,546.00 3,942,239,648.00 3,788,679,551.00
Income before share in net 919,088,148.00 798,264,968.00 1,406,490,507.00
Share in net loss of associa 1,410,096.00 2,087,297.00 883,229.00
Income before income tax 917,678,052.00 796,177,671.00 1,407,373,736.00
Income tax expense 307,280,056.00 466,384,368.00 77,197,629.00
Net income 610,397,996.00 329,793,303.00 1,330,176,107.00
 2016 2015
Interest Income
Loans and receivables 2,875,606,204.00 0.16 2,481,863,005.00
Debt securities 882,450,722.00 - 0.16 1,053,353,028.00
Due from BSP and other ba 241,093,330.00 - 0.40 401,202,935.00
Interbank loans receivable 190,577,104.00 9.45 18,233,643.00
4,189,727,360.00 0.06 3,954,652,611.00
Interest Expense #DIV/0!
Deposit liabilities 862,626,893.00 0.02 846,492,696.00
Bills payable 646,798.00 - 0.13 747,274.00
863,275,691.00 0.02 847,239,970.00
Net interest Income 3,326,451,669.00 0.07 3,107,412,641.00
Other income #DIV/0!
Trading and investment secur 342,427,184.00 - 0.07 366,368,135.00
Service charges, fees and 324,203,760.00 - 0.11 362,302,173.00
Gains on foreclosure, and s 257,113,853.00 0.42 181,450,226.00
Reversal of credit and impa 108,038,780.00 0.94 55,623,580.00
Foreign exchange gains - ne 51,341,679.00 - 0.10 57,310,853.00
Fair value gain from invest 47,586,165.00 - 0.89 450,294,708.00
Miscellaneous 83,777,604.00 - 0.48 159,742,300.00
1,214,489,025.00 - 0.26 1,633,091,975.00
Other expenses #DIV/0!
Compensation and fringe be 1,381,603,312.00 - 0.04 1,439,186,801.00
Rent and utilities 671,243,535.00 - 0.01 676,660,674.00
Taxes and licenses 480,727,818.00 - 0.01 485,661,445.00
Insurance 209,021,659.00 0.04 200,648,829.00
Depreciation and amortizat 194,611,245.00 - 0.47 366,504,045.00
Entertainment, amusement 155,850,059.00 - 0.10 173,390,393.00
Amortization of software co 111,164,255.00 0.13 98,779,699.00
Management and profession 70,412,561.00 - 0.08 76,302,237.00
Miscellaneous 347,218,102.00 - 0.18 425,105,525.00
3,621,852,546.00 - 0.08 3,942,239,648.00
Income before share in net 919,088,148.00 0.15 798,264,968.00
Share in net loss of associa 1,410,096.00 - 0.32 2,087,297.00
Income before income tax 917,678,052.00 0.15 796,177,671.00
Income tax expense 307,280,056.00 - 0.34 466,384,368.00
Net income 610,397,996.00 0.85 329,793,303.00
 2014

- 0.05 2,607,816,925.00
- 0.30 1,495,779,305.00
0.19 337,552,957.00
0.52 11,978,671.00
- 0.11 4,453,127,858.00
#DIV/0!
- 0.12 964,849,221.00
- 0.01 755,515.00
- 0.12 965,604,736.00
- 0.11 3,487,523,122.00
#DIV/0!
0.07 343,294,404.00
0.12 322,329,037.00
- 0.31 262,973,952.00
- 0.74 216,945,380.00
3.05 14,142,972.00
0.08 415,626,919.00
0.21 132,334,272.00
- 0.04 1,707,646,936.00
#DIV/0!
0.05 1,367,701,128.00
0.11 608,752,617.00
- 0.16 577,926,829.00
- 0.08 217,177,575.00
0.48 248,294,281.00
#DIV/0! -
0.01 97,346,489.00
- 0.06 81,131,853.00
- 0.28 590,408,779.00
0.04 3,788,679,551.00
- 0.43 1,406,490,507.00
1.36 883,229.00
- 0.43 1,407,373,736.00
5.04 77,197,629.00
- 0.75 1,330,176,107.00
 2016 2015
Interest Income
Loans and receivables 2,875,606,204.00 0.6863 2,481,863,005.00
Debt securities 882,450,722.00 0.2106 1,053,353,028.00
Due from BSP and other ba 241,093,330.00 0.0575 401,202,935.00
Interbank loans receivable 190,577,104.00 0.0455 18,233,643.00
4,189,727,360.00 1.0000 3,954,652,611.00
Interest Expense -
Deposit liabilities 862,626,893.00 0.2059 846,492,696.00
Bills payable 646,798.00 0.0002 747,274.00
863,275,691.00 0.2060 847,239,970.00
Net interest Income 3,326,451,669.00 0.7940 3,107,412,641.00
Other income -
Trading and investment secur 342,427,184.00 0.0817 366,368,135.00
Service charges, fees and 324,203,760.00 0.0774 362,302,173.00
Gains on foreclosure, and s 257,113,853.00 0.0614 181,450,226.00
Reversal of credit and impa 108,038,780.00 0.0258 55,623,580.00
Foreign exchange gains - ne 51,341,679.00 0.0123 57,310,853.00
Fair value gain from invest 47,586,165.00 0.0114 450,294,708.00
Miscellaneous 83,777,604.00 0.0200 159,742,300.00
1,214,489,025.00 0.2899 1,633,091,975.00
Other expenses -
Compensation and fringe be 1,381,603,312.00 0.3298 1,439,186,801.00
Rent and utilities 671,243,535.00 0.1602 676,660,674.00
Taxes and licenses 480,727,818.00 0.1147 485,661,445.00
Insurance 209,021,659.00 0.0499 200,648,829.00
Depreciation and amortizat 194,611,245.00 0.0464 366,504,045.00
Entertainment, amusement 155,850,059.00 0.0372 173,390,393.00
Amortization of software co 111,164,255.00 0.0265 98,779,699.00
Management and profession 70,412,561.00 0.0168 76,302,237.00
Miscellaneous 347,218,102.00 0.0829 425,105,525.00
3,621,852,546.00 0.8645 3,942,239,648.00
Income before share in net 919,088,148.00 0.2194 798,264,968.00
Share in net loss of associa 1,410,096.00 0.0003 2,087,297.00
Income before income tax 917,678,052.00 0.2190 796,177,671.00
Income tax expense 307,280,056.00 0.0733 466,384,368.00
Net income 610,397,996.00 0.1457 329,793,303.00
 2014

0.6276 2,607,816,925.00 0.5856

0.2664 1,495,779,305.00 0.3359
0.1015 337,552,957.00 0.0758
0.0046 11,978,671.00 0.0027
1.0000 4,453,127,858.00 1.0000
- -
0.2140 964,849,221.00 0.2167
0.0002 755,515.00 0.0002
0.2142 965,604,736.00 0.2168
0.7858 3,487,523,122.00 0.7832
- -
0.0926 343,294,404.00 0.0771
0.0916 322,329,037.00 0.0724
0.0459 262,973,952.00 0.0591
0.0141 216,945,380.00 0.0487
0.0145 14,142,972.00 0.0032
0.1139 415,626,919.00 0.0933
0.0404 132,334,272.00 0.0297
0.4130 1,707,646,936.00 0.3835
- -
0.3639 1,367,701,128.00 0.3071
0.1711 608,752,617.00 0.1367
0.1228 577,926,829.00 0.1298
0.0507 217,177,575.00 0.0488
0.0927 248,294,281.00 0.0558
0.0438 - -
0.0250 97,346,489.00 0.0219
0.0193 81,131,853.00 0.0182
0.1075 590,408,779.00 0.1326
0.9969 3,788,679,551.00 0.8508
0.2019 1,406,490,507.00 0.3158
0.0005 883,229.00 0.0002
0.2013 1,407,373,736.00 0.3160
0.1179 77,197,629.00 0.0173
0.0834 1,330,176,107.00 0.2987