Guidelines on Salary-Based General Purpose Consumption Loans

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 r$21.tl 43375. 1 a. 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.

Section 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: (a) Manualof Accounts "xxx "11. Loans and Receivables - xxx "(a) Loans to Bangko Sentral ng Pilipinas - xxx (b) xxx "(c) Loans and Receivables€thers - xxx "(c.1) 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 - This refers to the 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.

(c.8d) Others - This refers to the amortized cost of loans granted 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 consumption loans." "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 11a1 LLaZ 11a3 LIa4 11b 11b1 Ltb2 11b3 LLb4 11c 11c1 LLc2 11c3 LLc4 11d 11d1 t1d2 11d3 ttd4 11e 11e1 tle2 11e3 Lte4 11h1 tLhz 29d 29dL 29d2 29d3 29d4 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.

Section 3. Transitory Provision. This Circular shall apply to all salary-based general- purpose 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

Schedule 11 Loans and Receivables - Others 1/ 1of 3 (At Net Carrying Amount, except for ltems 12 to l6 of the Additional Information) Foreign Regular FCDU/EFCDU Forelgn Offices Particularc Account Code Peso Accounts Total lnUS$ Peso Equiv. InUS$ Peso Equiv. InUS$ Peso Equiv. 1401 0.00 0.0( 0.0( 0.0( 0.01 0.0( 0.0( 0.01 Loans Io 0.00 0.0( 0.0( 0.0( 0.0( 0.0c 0.0c 0.0( a. 000 0.00 0.0( 0.0( 0.0( 0.0( 0.0c 0.0c 0.0( 50500500122000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0c 0.0c 0.0( 505005001 23000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0c 0.0( 0.0( 4U1 5U500500 1 231 00 0.0( 0.00 0.0( 0.0( 0.0( 0.0c 0.0( 0.0( 401 50500500 0.0( 0.00 0.0c 0.0( 0.0( 0.0( 0.0( 0.00 1401 0.0( 0.0( 0.0c 0.0c 0.0( 0.0( 0.0( 0.0( Loans 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( LOans 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0c uredrt Loans I 00000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 100000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( LOans 1401 505020051 00000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( LOans 14Ur50502010100000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 140150502500 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0t 0.0( 1401 0.0( 0.0( 0.0( 0.0( 0.0( 0.0c 0.0c 0.0( 1 0.0c 0.0( 0.0( 0.0( 0.0( 0.0c 0.00 0.0( IO 0.0c 0.0( 0.0( 0.0( 0.0( 0.0( 0.00 0.0( IO 0.0c 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 505035001 61 000 0.0c 0.0c 0.0c 0.0( 0.0( 0.0( 0.0( 0.0( 14U1 5U5035U01 ti20Ll0 0.0c 0.0c 0.0c 0.0( 0.0( 0.0( 0.0( 0.0( to Indtvtduals tor 1401 505040001 00000 0.0c 0.0c 0.0c 0.0( 0.0( 0.0( 0.0( 0.0( use 140150504500 0.0c 0.0c 0.0c 0.0c 0.0( 0.0( 0.0( 0.0( reort 140150504505100000 0.0( 0.0c 0.0c 0.0c 0.0c 0.0( 0.0( 0.0( 14U1 5U5045101 011000 0.0( 0.0c 0.0c 0.0c 0.0c 0.0( 0.0( 0.0c 1401 505045101 Z 0.0( 0.00 0.0c 0.0c 0.0c 0.0( 0.0( 0.0c 0.0( 0.00 0.0c 0.0c 0.0c 0.0( 0.0( 0.0c c. lSalary-Based ceneral-PurDose ConsumDtion Loans 1401 505045't21 00000 0.0( 0.0( 0.00 0.0c 0.0c 0.0( 0.0( 0.0c J. lOthersl 1401 5050451 51 00000 0.0( 0.0( 0.0( 0.01 0.0c 0.0( 0.0( 0.0c I -oans to Individuals for Other Pumoses 1 401 505050001 00000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0c Non-Residentsl 1401 50500000200000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0c lentral Governmenucentral Banks 1 401 50505500200000 0.0( 0.0( 0.0( 0.0c 0.0c 2. rublic Sector Entities 40'l 50506000200000 0.0( 1 0.0( 0.0c 0.0( 0.0c 3. -oans to corporations 1401 50506500200000 0.0( 0.0( 0.0c 0.0c 0.0c 4. -oans to Individuals 1401 50507000200000 0.0( 0.0( 0.0( 0.0c 0.0c 0.0( rorAl I 1 40 1 50500000000000 0.0( 0.00 0.0( 0.0( 0.0( 0.0c 0.0c 0.0( ' Of which loans used to eomplv with Aqrarian Reform/Other Aoricultural Loans orarian Reform Loans 1 401 5050 1 01 51 00000 0.0( 0.0c 0.0c 0.0c 0.0( 0.0( 0.0c 0.0( )ther Agricultural Credit Loans 140150501020100000 0.0( 0.0( 0.0c 0.0( 0.0( 0.0( 0.0c 0.0( Additlonal Information: 1 Loans to LGUs to the extent guranteed by LGUGC I 40't 50506500600000 0.0( Loans to GOCCs to the extent guaranteed by the 1401 s0507000600000 0.0( ,lational Govemment.

Schedule 11 Loans and Receivables - Others il 2of3 (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 1 401 5051 1 50061 0000 Liability on Bills/Drafts Under LC/TR 1 40 1 5051 200061 0000 Items 12 to 16, Loans and Receivables - Others. be reported at Amortized Cost i.e. Gross of Allowance erm (one year or less) of FCDU/EFGDU Loans and Roceivables. purposes of computing FCDU cover

Schedule 11 Loans and Receivables - Others 1' 3of3 (At Net Garrying Amount, except for ltems 12to 16 of the Additional lnformation) Forslgn Regular FCDU/EFCOU Foreign Offices Particulars Account Code Peso Accounts Total InUS$ Peso Equiv. InUS$ Peso Equiv. InUS$ Peso Equiv. ,| -oans with Specific Approval by the BSP (Section 23 of 1 401 5051 6500600000 0.0( lircular No. 1389, as amended) lhort-term Loans to Resident Private Sector Borrowers 1 401 5051 7000600000 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) L -oans to Resident Private Sector Borrowers to be serviced 1401 5051 7500600000 0.0( 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 1401 5051 8000600000 0.0( 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 a b c d e f s Past Due But Paet Due and Particula.s Account Code Items in Alowance for Net Carrylng Current Not Yet Non- Already Total Loans Litigation Gredlt Losses Amount Performlng Non-Performlng lesldents 140150000000100000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0c -oans to Govemment 1401 50000500't 20000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0c l. National Government 1 401 50000500 1 21 000 0.0( 0.0( 0.0( 0.0( 0.0c 0.0( 0.00 tGUsl 1 401 500005001 22000 0.0( 0.0c 0.0( 0.0( 0.0c 0.0c 0.00 GOCCs 1401 50000500123000 0.0( 0.0c 0.0( 0.0c 0.0( 0.0c 0.0( 1 Social Securitv lnstitutions 1 401 500005001 231 00 0.0( 0.0c 0.0( 0.0c 0.0( 0.0c 0.0( Other Financial 140150000500123200 0.0t 0.0c 0.0( 0.0c 0.0( 0.0c 0.0( 3. lNon-Financial 140150000500123300 0.0( 0.0c 0.0( 0.0c 0.0( 0.0c 0.0( z ?rian Reform / Other Aqricultural Loans 1401 50001 000100000 0.00 0.0c 0.0( 0.0c 0.0( 0.0c 0.0( a. lAqrarian Reform Loans 1 401 50001 0051 00000 0.00 0.0( 0.0c 0.0( l. lutnerAqncufturat ureoit Loans 0. 0.0( 0.0( 3 0. 0.00 0.0( 0.0( i. Loans 140 't00000 0.00t 0 0.0( 0.0( 't40 0 0.00t 0 0.0( 0.0( 4. 140 0 0.0( 0.0( 0.0( l. 140 0. 0 0.0( 0.0( 0.0( I 0. 0 0.0( 0.0( 0.0c to 1 0 0.0( 0.0( 0.0c b. -oans to 0 0.0c 0.0( 0.0c l. 1000 0. 0.00 0.0( 0.0( ). 140 0 0. 0.0c 0.0c 7. -oans to 1401 500040001 0 0 0.0c 0.0c 0.0c 8, -oans to Individuals Primarilv for Personal Use 1401 0.001 0.00 0.0c 0.00 0.0c l. 0 0.00 0.0c 0.0c 0.0c ). LOans 0. 0.0c 0.0c 0.0c Loans 01 71 000 0. 0.00 0.00 LOans 140'150004510'172000 0 0. 0.0( 0.0c Jalary-Eased GeneraFPurpose ConsumDtion Loans 1401 50004512100000 0.0c 0.0( 0.0( 0.0( 0.0( 0.0( 0.00 d. Ithers 1401 5000451 5100000 0.0c 0.0( 0.0( 0.0( 0.0( 0.0( 0.00 Loans to Individuals for Other PurDoses 140150005000100000 0.0c 0.0( 0.0c 0.0( 0.0( 0.0( 0.00 Non-t t$idents I 401 50000000200000 0.0c 0.0( 0.0c 0.0( 0.0( 0.0( 0.0( 1 lentral GovernmenUCentral Banks 401 50005500200000 0.0c 0.0( 0.0c 0.0( 0.0( 0.0( 0.0( z, Public Sector Entities 401 50006000200000 0.0c 0.0( 0.00 0.0( 0.0( 0.0( 0.0( 5. Loans to Coroorations 401 50006500200000 0.0c 0.0( 0.0c 0.0( 0.0( 0.0( 0.0( Loans to |ndividuals 401 50007000200000 0.0( 0.0( 0.0c 0.0( 0.0( 0.0( 0.0( rOTAL 401 50000000000000 0.01 0.0( 0.0c 0.0( 0.0( 0.0( 0.0( ' Of which loans r rsarl to mmnlv wifh Adrari.n Flofnm/f)thar \orarian Reform Loans 1401 50501015100000 0.0( 0.0c 0.0( 0.0c 0.00 0.0( 0.0( )\ fther Agricultural Credit Loans 1401 50501 020100000 0.0( 0.0( 0.0( 0.0c 0.0c 0.0( 0.00

Loanr and Recolvrbl.. . otherr 1' t* , Claa6ifrod r! to strtr. "at* Toirl Amount a b c d g f s Particulars Past Due But Past Due and Account Code Items ln Alowance for Net Carrying Gunent Not Yet Non- Arcady Total Loans Lltlgatlon Credit Lo$es Amount Performing Non-Performlng lnformatlon 0.00 0.0( 0.0c 0.0( 0.0( 0.0( 0.0( 1401 5001 2505600000 0.0( 0.00 0.0( 0.0( 0.0( 0.0( Kes|dentral 1401 500 I 251 0600000 0.0( 0.0( 0.0( 0.0( 0.0c 0.0( uommercial 14015001251 0.0( 0.0( 0.0( 0.0( 0.0c 0.0( 1401 0.00 0.0( 0.0( 0.0( 0.0( 0.0c 0.0( ASSEIs 1401 0.00 0.0( 0.0( 0.0( 0.0( 0.0c 0.0( 0.00 0.0( 0.0( 0.0( 0.0( 0.0c 0.0( unsecureo 0.00 0.0( 0.0( 0.0c 0.0c 0.0c 0.0( tne Bank's Fnnoe Eenetit 0.0( 0.0( 0.0c 0.0c 0.0c 0.0c 1 401 5001 3000600000 0.0( 0.0( 0.0c 0.00 0.0c 0.0c 1 40 1 5001 3005600000 0.0c 0.00 0.0c 0.0( 0.00 0.0( KEM - h(estdential 1401 5001 3010600000 0.0c 0.0c 0.0c 0.0( 0.0( 0.0( 14015001 00 0.00 0.0c 0.0c 0.0( 0.0( 0.0( 0.00 0.0c 0.0( 0.0( 0.0( 0.0( 0.0( 0.00 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. 0.00 0.0( 0.0( 0.0( 0.0( 0.0( EState Loans 401 5001 3505640000 0.00 0.0( 0.0( 0.0( 0.0( 1 0.0( P3.5 million 1 401 s001 3500641 000 0.00 0.0( 0.0( 0.0( 0.0( 0.0( 1 401 5001 0.00 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( unoer 140 0.00 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.00 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( b. i.;ommercial Real Estate Loans 1401 5001 3510640000 0.0( 0.0( 0.0( 0.0( 0.0( 0.00 0.0( qricultural 401 5001 351 5640000 0.0( 0.0( 1 0.0( 0.0( 0.0( 0.00 0.0( 4 Bills Purchased 401 5001 4000600000 0.0t 0.0( 0.0( 0.0c 0.0( 1 0.00 0.0( A. Bills Purchased 1401 5001400061 0000 0.0c 0.0t 0.0( 0.0c 0.0c 0.0c 0.0( =xoort 3. 3ills Purchased - Documentarv 140150014000620000 0.0c 0.00 0.0( 0.0( 0.0c 0.0( 0.0( 3ills Purchased - Clean 140150014000630000 0.0c 0.0c 0.0c 0.0( 0.0c 0.0( 0.0( 5. iustomers' Liabitity on Bills/Drafts Under LC/TR 140150014500600000 0.0c 0.0c 0.0c 0.0( 0.0c 0.0( 0.0( q. nport Eills 1401 5001 450061 0000 0.0c 0.00 0.0c 0.0( 0.0c 0.0( 0.0( 3 noort Bills Under TRs 140150014500620000 0.0( 0.0c 0.0c 0.0( 0.0c 0.0( 0.0( 6 lustomers' Liability for this Banks' Acceptances Outstanding 140150015000620000 0.0( 0.0( 0.0c 0.0( 0.01 0.0( 0.0c 7 3ross Non-Performing Loans 1401 5001 8512600000 0.0c 0.0( 0.0( 8. Allowance for Credit Losses 140't 5001 9000600000 o.ool 0.0( 0.00 u.0u- 0.0( "lncludes Restructured Loans

cdcttlllrt 1.,2 Loana rnd RacalvabLa . Othelt t' Cl..3llLd ar to Sldrs a b c d e s Past Due and PaBt Due But Particulars Account Code Alroady Items in Allowance for Net Carylng Current Not Yet Non- Total Loans Performing Non. Litigation Credlt Losses Anount Pertoming lesidents 401 50000000100000 0.0c 0.0( 0.0( 0.0c 0.0c 0.0( 0.0( 1 -oans to Govemment 401 500005001 20000 0.0( 0.0( 0.0( 0-6c 0.0c 0.0( 0.0( l. National Govemment 401 500005001 21 000 0.0c 0.0( ). ILGUS 401 500005001 22000 0.0c 0.0( 5()ccs 401 50000500123000 0.0t 0.0( 0.0( 0.0c 0.0c 0.0( 0.01 I locial Security lnstitutions 401 500005001 231 00 0.0c 0.0( 2. )ther Financial 401 500005001 23200 0.0( 0.0( 3. {on-Financial 401 500005001 23300 0.0( 0.0( 2 arian Reform / Other Aoricultural Loans 401 50001 0001 00000 0.0c 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( l. \qrarian Reform Loans 401 50001 0051 00000 0.0{ 0.0( f,ther Aqricultural Credit Loans 40150001010100000 0.0( 0.0( 3 \ricroenlemrise Loans 140150002000100000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( \ricrofinance Loans 1401 5q)02005100000 0.0( 0.00 ). )ther MicroenterDrise Loans 1401 50002010100000 0.0( 0.0c 4. 3mrll and Medium Enlemrise Lmns 1401 50002500100000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( imall Scale Enterprises 1401 50002505100000 0.0( 0.0( vledium scale Entemrise 1401 50002510100000 0.0( 0.0( 5. lontracts to Sell 1401 50003000'100000 0.0( 0.0( o. -oans to Private CorDorations 1401 50003500160000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( l. :inancial 1401 50003500161000 0.0( 0.0( \on-Financial 1401 50003500162000 0.0( 0.0( 7 -oans to Individuals for Housino PurDoses 401 50090001 00000 0.0( 0.0( 8. -oans to Individuals Primarilv for Personal Use PurDoses 1401 50004500100000 0.0( 0.0( 0.0c 0.0( 0.0( 0.0( 0.0( t. lredit Card 1401 50004505100000 0.0( 0.0( Vlotor Vehicle Loans 1401500(X510100000 0.0( 0.0t 0.0c 0.0( 0.0( 0.0( 0.0( 1 \uto Loans 1401 500(x510171000 0.0( 0.0( vlotorc\rcle Loans 1401 50004510172000 0.0( 0.0( salary-Based General-PurDose ConsumDtion Loans 14015000451 2100000 0.0( 0.0( J. f,thers 14015000451 5100000 0.0( 0.0( o -oans to Individuals for Other Purposes 1 401 500050001 00000 0.00 0.0( Bnts I 401 50000000200000 0.0( 0.0c 0.0c 0.0c 0.0( 0.0( 0.0( 4. -oans to Individuals 1 401 50007000200000 0.0( 0.0( foTt 1401 50000000000000 0.0( 0.0c 0.0( 0.0( 0.0( 0.0( 0.0( 'Of which loans rRc.l lo mmnlvwifh Adrarian Rcform/Olher Adricrlfirml I oans 1) \qrarian Reform Loans 1401 50501 0't5100000 0.0( 0.0( 2l fther Agricultural Credit Loans 1401 50501020100000 0.0( 0.0( \dditional Infiormation 1 )OSRI Loans 1401 5001 2500600000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0c 0.0( iecured I 1 401 5001 2505600000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0c 0.0c rl KEM - Kesnenltal 1401 50012510600000 0.0( 0.0c

Sch€dule 1la1 2ot2 Loans and Receivables - Others il Classified as to Status Peso Accounts a b c d e t g Pasl Duo and Paftlculars PaBt Due But Account Code Already Items in Allowance for Net Carrying Current Not Yet Non- Total Loans Performlng Non- Litlgatlon Credit Lo$es Amount Performlng 1401 500 0.0( 0.0( (til, 0.0( 0.0( 0.0( 0.0( buul z5zuouuuoo 0.0( 0.0( 14Ur 5UU12C25600000 0.0( 0.0( rnnge 'r4u t buul 0.0( 0.0( 14U15001 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( 0.0c 0.0( 0.0c JUl Ut'UUOUU 0.0c 0.0c buu r 3u2u6u0000 0.0c 0.01 'r4u1 5UU1 3025600000 0.0( 0.0( trsEre rnouslry 401 5001 0.0( 0.0( 0.0( 0.0c 0.0( 0.0( 0.0( teal Estate Loans 401 5001 0.0c 0.0( 0.0( 0.0c 0.0( 0.0( 0.0( 40 0.0( 0.0( trxceeorng 0.0( 0.0( 0.0c 0.0c 0.0( 0.0( 0.0( rrogram 0.0( 0.0c 12)lothers 1401 5001 3500642200 0.0( 0.00 lommercial Real Estate Loans 1401 5001351 0640000 0.0( 0.0( \gricultural 14015001 351 5640000 0.0( 0.0( 4. 3ills Purchased '1401 50014000600000 0.0( 0.0( 0.0( 0.0( 0.0c 0.0( 0.0( \. :xport Bills Purchased 1401 50014000610000 0.0( 0.0( Sills Purchased - Documentary 401 5001 4000620000 1 0.0( 0.0( Sills Purchased - Clean 1401 50014000630000 0.0( 0.0( 5 Uustomers' Liability on Bills/Drafts Under LC/TR 1401 5001 4500600000 0.0t 0.0( 0.0( 0.00 0.0( 0.0( 0.0( A. mport Bills I 1401 5001450061 0000 0.0( 0.0( B. mport Bills Under TRs 140'150014500620000 0.0( 0.0c 6 Sustomers' Liability for this Banks' Acceptances Outstanding 1 401 5001 5000620000 0.0( 0.0c 7. Sross Non-Periorming Loans 1401 5001 851 2600000 0.0( 0.001 0.0( 8. Allowance for Credit Losses 1 401 5001 9000600000 0.0( 1/lncludes Restruclured Loans -

&ndd!-l!!z Loanr.nd R.c€lvaU6 - Oth.rt r' ldz Cl..til.d I b afiur Fo'tlgn R.lulrr a b c d o I o Past Due But Not Yet Past Due and Alrsady Allowance for Gredit Particulars Account Code Currenl Items In Litigation Total Loans Net Garrylng Amount Itlon-Performlng Non-Performlng Losses InUS$ P€$ Eauiv InUS$ Peso Equiv InUS$ Psso Equiv InUS$ Psso Equiv InUS$ Peso Equiv InUS$ Ps Equiv InUS$ Pso Equiv tesidentr 1401 50000dD100000 0.0( 0.0( 0.0( o.ot 0.0( 0.0( 0.0( 0.0( 0.o( 0.0( 0.0( 0.0( 0.0( o.o( -oans to Governmentl 140150000500120m0 0.0( 0.0( 0.o( 0.0( 0.0( 0.0( 0.0( 0.o[ 0.(X 0.0( 0.0( 0.0( o.0( 0.0( l tlational Govemment 14015qD0500121000 0.0( 0.0( o.0( 0.0( -GUs 140 1500fi)500122000 0.0( 0.0( 0.0( 0.0( iOCCs 1401 5(n00500123000 0.0( 0.q 0.0( 0.0( 0.0( o.q 0.0{ 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( iocial Security nstitrrtiorF I 140r50000500't23100 0.0( o.(X 0.0( 0.0( )ther Financial l,r015qx,o5q)123ru0 0.0( 0.(x 0.0( 0.0( {on-Financial r40150qD500123i100 0.0( 0.0( 0.0( 0.0( 2 gtarian Reform / Other AOricultural Loars 14015{n01m0100000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( o.o( 0.(X 0.0( 0.0( 0.0( o.fi 0.0( \grarian Reform Loans 1401 5fi)01005100000 0.0( 0.0( 0.0( 0.0( )ther Agricultural Credit Loans 1401 50001010100000 0.0( 0.0( 0.0( 0.0( ? iilkxoenterorise Loans d 140150002000100000 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( ,licrotrnance Loans 14015000200510c000 0.0( 0.0( 0.0( 0.0( )ther MacroenterDrise Loans 1401 5q)O201010(x)00 0.0( 0.(X 0.0( 0.0( 4 imall,rYl Mdirrm Fdffiica I Mft d 1401 5(x)O2500't00000 0.0c 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.o( imall Scale Enterpris€s 140150002505100(n0 0.0( 0.0( 0.0( 0.0( ,ledium Scale Enterprise 1rto150002510100000 0.0( 0.0( 0.0( 0.0( 5 3ontracts to S€ll 140150003000100000 0.0( 0.0( 0.0( 0.0( 6 -oan6 to Pnvate Coroorations 140'1s0003500r6@00 0.0( 0.0( 0.0( 0.0( 0.0{ 0.o( 0.0( 0.0( 0.0( 0.0( 0.o( 0.0( 0.0c 0.0( .inancial 40'l 50003500161000 0.0( o.o( 0.0c 0.0( \on-Financial 401 5000350016rc00 0.0( 0.0( 0.0c 0.0( -oans to Individuals for Housino Pure 401 50004000100000 0.0( 0.0( 0.0c 0.0( I -oans to Individuab Primarily for Personal Use Purooses 40150m4500100000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.o( 0.0c 0.0( 0.0{ 0.0( 0.0( 0.0( 0.0( t. lredit Card 14015(n(x50s100000 0.0( 0.0( 0.0( 0.0( tilotor vehicle Loans 14015{n04510100m0 0.0( 0.0( 0.0( 0.0( 0.0( 0.fi 0.0( 0.0c 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( Auto Loans I 14015(m4510171m0 0.0( 0.0( 0.0( 0.0( lMotorcvcle Loar6 1401 5qD4510172(x)0 0.o( 0.0( 0.0( 0.0( lsalary-Bas€d General-Purpose Consumotion Loans 1401 500045121 00000 0.0c 0.0( 0.0( 0.0( ,. lOlhers 140150004515100000 0.0( 0.0( 0.0( 0.0( 9. -oans to Individuals for Other PurDoses 140150005000100000 0.0( 0.0( 0.0( 0.0c Non-Ro3identg 401 5000m00200000 rOTAL 140150000000000m0 0.0( 0.0( 0.0( 0.0( 0.0( 0.(x 0.0( 0.0( 0.0( 0.0( 0.fi 0.0( 0.0( 0.0( ' Of which loans used to comolv with Aorarian Refm/CIlEr Adridihrml I qrarian R€form Loans 140150501 0151 00000 0.0( 0.0( 0.0( o.o( f,th€r Agricultural Credit Loans 140150501 020100000 0.0( 0.0c 0.0( 0.0(

lrtclrL$d Loana .nd R.c!tYl!|.. . Olh.r: t' Cl...lll.d - to Sldur Fonlgn R.gul.r a b c d o T s P.st Due But Not Yot Pa.t Duo and Ar.ady Allowance for Crodlt Partlculars Current Itoms In Lltlgatlon Total Loan3 Net Carrylng Amount Account Code Non-Porfomlng Non-Performlng Lo3sos InUS$ Pos Equiv InUS$ Pee Equiv lnUS$ Peso Equiv InUS$ Psso Equiv InUS$ Po$ Equiv InUS$ Ps$ Equiv InUS$ Psso Equiv qddltlonal lnformatlon a )OSRI Loans 14015(x)1 25tx)6{XXruO o.q o.u o.oc 0.fi 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( o.(x 0.0( 0.0( 0.0( t€cured 1401 5(X)l 2505600000 0.(X 0.0( 0.0c 0.0c 0.0( 0.0( 0.u o.u 0.o( 0.0( 0.0( 0.0( 0.0( 0.0( i) tEM - Residential 14015{rc125106(Xxn0 0.0( 0.0c 0.(x 0.0( il) {EM-Ummgqal 14015q)1251 56(xXD0 o.w 0.tx 0.0( 0.0( iii) {EM - AgnCulural 140r500125186m0q) 0.0c 0.0c 0.0( 0.0( iv) loGrisk Ass€ts 14015001251960fin0 0.0( 0.0( 0.(x 0.0( v) Jther cdlateral 14015{D1252)600q)0 0.(x 0.0( 0.0( 0.0( 1401s0012525600fi)0 0.0( 0.0( 0.0( 0.0( -oans Granted under the Bank's Fringe Ben€fit Program 1401 5q)1252E6qru00 0.0( 0.u 0.0( 0.0( z- {o(}DOSRI Loans 1,10150013(xD600m0 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.fi iecured 14015(X)13fi)56q)000 0.u o.u o.u o.(X o.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.(r( 0.(x 0.0( r) aEM - KStOmal 14015(x)1 301 o6(x)0(x) o.u 0.o( 0.0( 0.0( iD {EM - Uommeroal 14015001 301 5600000 0.0( 0.0( 0.0( o.u iii) REM - Agricultural 14015tX)1 301 86(xxrcO 0.0( 0.0( 0.0( 0.0( av) Oth€r cdlateral 14015001 30m600000 0.0( 0.0( 0.0( 0.0( 14015001 30256m0@ 0.0( 0.0( 0.u 0.0( 3. :xposure to Real Estate Industry 14015001 35qr6qxrcO 0.0( 0.(X 0.0( 0.0( 0.0c 0.0( 0.0( 0.0( 0.0( 0.o( 0.0( 0.0( 0.0( 0.0( tesidential Real Estale Loans 14015001350564qrc0 0.0( 0.0( 0.0( 0.0( o.w 0.0( 0.0( 0.(X 0.0( 0.0( 0.0( 0.0( 0.0( 0.(x i) \lot exce€ding P3.5 millim 1401stru135Ur641(x)O 0.0( 0.0( 0.0( 0.0( ii) P3.5 milli(n 14015001 35@642000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.u 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( =xceedirE 1) 3r.taranleed under the National Shelter Progr 14015(x)135fl)642100 0.0( 0.0( 0.0( 0.(x .2) Jh€rs r4015(x)135q)6422q) 0.0( 0.0( 0.0( 0.0( lommercial Real Estate Loans 't4015fl)135106400fl) 0.0( 0.0( 0.0( o.q \gricuttural t4015(x)13515640q)O 0.0( 0.0( 0.0c 0.0( 4 tills Purchased 1401500140006m0q) 0.0( 0.0( 0.0( 0.0( 0.0( 0.w 0.0( o.0( 0.0( 0.0{ 0.0c 0.0c 0.0( 0.0( \. lxport Bills Purchased 1lm150014(n0610000 0.0( 0.0( 0.0c 0.0( tlE tsurcmw - urcumefiary 1rto15(x)14(xn020000 o.(x 0.0( 0.0c 0.0( 1[S PUrCnaAeO - U|ean 1l()15m14fin63dn0 0.0( 0.0( 0.(x 0.0( 5, ilrstom€rs' Liaulrty on Eills/Dratts under LC/TR 14015(x)145q)6fiXrcO 0.0c 0.0( 0.0( 0.00 0.0( 0.0c 0.0c 0.0( 0.0{ o.0( 0.u 0.(x 0.0( 0.0( mport BilH 14015{n1450061mm 0.0( 0.0( 0.tx 0.fi lmporl Bills Und€r TRs 1401500145{X}02(xD0 0.0( 0.(x 0.0( 0.0( 6 lustom€rs' Liattlity for this Banks' Acceptanc€s OutstiardirE 1401500150(n62(xn0 0.0( 0.0( 0.0( o.(X 7 Sross Non-Performing Loans 14015(X)lE5lZo{XXX,O 0.0( 0.0( 0.0( 0.0c 0.0( 0.0( 8. Allorvarrce for Credit Losses 14015q)19@0600@0 0.001 0.0( l/lncludes Restruciured LoarF -

ach.d0t.,fi.3 Los|lt .nd R.c.lvabla!. olhars r' r.tz C|.3.m.d .a to Stafua FCDU'EFCDU a b c d e q Past Oue But Past Due and Items ln Allowanco for Not Carrylng Partlcularg Account Code Gurrent Not Yet Non- Already Non- Total Loans Lltlgatlon Gredlt Lo$6s Amount Performlng Performlng P€SO Peso Pe6o Peso lJeso Peso P€6O InUS$ Eotriv InUS$ Fdriv InUS$ InUS$ InUSg InUSt InUS$ Eouiv. Eouiv Eorriv Forriv Eouiv. Rosldents 40150000000100000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0c 0.0( 0.0( 0.0( 0.00 0.0( 0.0( 0.0c 0.0t 1 -oans to Govemment I 40150000500120000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0c 0.0( 0.0( 0.0( 0.0c 0.0( 0.0( 0.0( 0.0c l. Nalional Govemment 401 500005001 21 000 0.0c 0.0( 0.0( 0.0c LGUs 401 50000500122000 0.0c 0.0( 0.0( 0.0( GOCCs 40'l 50000500123000 0.0( 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( 1 Social Securitv lnstitutions 401 500005001 231 00 0.0c 0.0( 0.0( 0.0( 2. Other Financial 40150000500123200 0.0c 0.0( 0.0( 0.0( 3. Non-Financial 40150000500123300 0.0c 0.0( 0.0( 0.0( z rarian Relorm / Other Aqricultural Loans 40150001000100000 0.0( 0.0( 0.0( 0.0c 0.0( 0.0( 0.0( 0.00 0.0c 0.0( 0.0( 0.0c 0.0( 0.0( t. lAqrarian Retorm Loans 40150001005100000 0.0( 0.0( 0.0( 0.0( lOther Aqricultural Credit Loans 4015000101 01 00000 0.0( 0.0( 0.0( 0.0( ? ilicmcnlemrisa I oans s 401 500020001 00000 0.0c 0.0( 0.0( 0.0c 0.0( 0.0( 0.0c 0.0( 0.0( 0.0( 0.0( 0.0c 0.0( 0.0( a. \ricrofinance Loans 401500020051 00000 0.0( 0.0( 0.0( 0.0c t. )ther MicroenterDrise Loans 401 5000201 01 00000 0.0( 0.0( 0.0( 0.0c 4. Small and Medium Entemrise Loans d 140150002500100000 0.0c 0.0( 0.00 0.00 0.0( 0.0( 0.0c 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( a. imall scale Entemrises 140150002505100000 0.0( 0.0( 0.0c 0.0( ). Vledium Scale Enterprise 14015000251 01 00000 0.0( 0.0( 0.0( 0.0( 5 lontracts to Sell 1 401 500030001 00000 0.0( 0.0c 0.0c 0.0( 6 -oans to Private Corporations 1 401 500035001 60000 0.0c 0.0c 0.0( 0.00 0.0( 0.00 0.0( 0.0( 0.0( 0.0c 0.0( 0.0t 0.0( 0.0( l. :inancial 1401 50003500161000 0.0( 0.0c 0.0c 0.0( tlon-Financial 1401 50003500162000 0.0( 0.0c 0.0[ 0.0( 7. -oans to lndividuals for Housino PurDoses 1401 500M000100000 0.0c 0.0c 0.0c 0.0( 8. -oans to hdividuals Primarily lor Personal use Purposes 1401 50095001 00000 0.00 0.0c 0.0( 0.00 0.0( 0.0( 0.0( 0.0( 0.00 0.0c 0.0( 0.0( 0.0c 0.0( t. Cr€dn Cardl 1 401 500045051 00000 0.00 0.0c 0.0c 0.0( l\,lotor Vehicle Loans 140't 50004510'100000 0.0( 0.0c 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.00 0.0c 0.0( 0.0( 0.0( 0.0( {uto Loans I 1401500045101 71000 0.0( 0.0c 0.0( 0.0( 2. \,lotorcvcle Loans 14015000451 01 72000 0.0( 0.0( 0.0( 0.0( Salary-Eased GeneraFPurpose Consumption Loans 140150004512100000 0.0( 0.0( 0.0( 0.0( L 0thers 1401 5000451 5100000 0.0( 0.0( 0.0( 0.0( I -oans to Individuals for other Puf@ses 140150005000100000 0.0( 0.0( 0.0( 0.0( Non-R$ldents 1 40 1 50000000200000 0.0( 0.0( 0.0( 0.0( 0.0c 0.0( 0.0( 0.0c 0.0( 0.0( 0.0c 0.0( 0.0( 0.0( 1 lentral Govemmenuoentral Banks 1 401 50005500200000 0.0( 0.0( 0.0( 0.0( 2. Public Sector Entities 1401 50006000200000 0.0( 0.0( 0.0( 0.0c 3 Loans to Corooralion: 140150006500200000 0.0( 0.0( 0.0( 0.0c 4 Loans to lndividuals 1 40 1 50007000200000 0.0( 0.0( 0.0( 0.0c rOTAL 1401 50000000000000 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( 0.0c ' Of which loans rrsd to mmnlv with Adrari^n Flefom/Ofher Anrinr rlfi ral I qrarian Reform Loans 1401 50501 0151 00000 0.0( 0.0c 0.0( 0.0( 2l Cther Aoricultural Credit Loans 1 401 50501 0201 00000 0.0( 0.0c 0.0( 0.0(

&h.dut. t,td Loanr .nd R.catvabtaa . otholr r' 2.rz Cl.t tflad ar lo Strtua FCD[I'EFCDU a b c d o f q Past Due But Past Due and Items In Allowance for Net Garrylng Partlculars Account Code Current Not Yet Non- Already Non- Total LoanE Lltlgatlon Credlt Lossog Amount Portormlng Performlng Peso P€gO Peso Peso Peso Peso P€60 InUS$ InUS$ InUSS InUS$ InUSg InUS$ InUS$ Forriv Fntriv Eouiv- Eouiv. Eorriv Fnr iv Eoriv \ddltlonal Informatlon DOSRI LOANS 1401 50012500600000 0.0( 0.0c 0.0( 0.0c 0.0c 0.0( 0.0[ 0.0c 0.00 0.0( 0.0( 0.00 0.0c 0.0( a. iecured r40150012505600000 0.0( 0.0c 0.0( 0.00 0.0c 0.0( 0.00 0.0c 0.0c 0.0( 0.0( 0.0c 0.0c 0.0( KEM - Kesoen[al 1401 50012s1 0600000 0.00 0.0( 0.0c 0.0( ii) REM - Commercial 14015001251 5600000 0.0( 0.0( 0.0c 0.0( iii) i(EM - Agnculural 140150012518600000 0.0( 0.0( 0.0( 0.0c iv) Non-risk Assets 140150012519600000 0.0( 0.0( 0.0( 0.0c v) f,ther collateral 140150012520600000 0.0( 0.0( 0.0( 0.0c Jnsecured 140150012525600000 0.0( 0.0t 0.0( 0.0c -oans Granted underthe Bank's Fringe Benefit Program 140150012528600000 0.0( 0.00 0.0( 0.0c 2. tlon-DOSRI Loans 140150013000600000 0.0( 0.0( 0.0c 0.0( 0.0( 0.0c 0.0( 0.0( 0.0( 0.0c 0.0( 0.0( 0.0( 0.0( 1. Secured 40 1 500 1 3005600000 0.0( 0.0( 0.0c 0.0( 0.0t 0.0( 0.0( 0.0( 0.0( 0.00 0.0( 0.0( 0.0t 0.0( li) IEM - Residential 40150013010600000 0.0( 0.0c 0.0( 0.0( ii) {EM - Uommercral 40150013015600000 0.0( 0.0c 0.0t 0.0( iiii) REM - Agricultural 401 5001 301 8600000 0.0( 0.0( 0.00 0.0( iiv) Other collateral 401 5001 3020600000 0.0( 0.0( 0.0c 0.0( Unsecured 401 5001 3025600000 0.0c 0.0( 0.00 0.0( 3 :xposure to Real Estate Industry 401 5001 3500600000 0.0( 0.0c 0.0( 0.0t 0.0c 0.0c 0.0( 0.00 0.0c 0.0( 0.0( 0.0c 0.0( 0.0( Residential Real Estate Loans 4015001 3505640000 0.0c 0.00 0.01 0.0( 0.00 0.0c 0.0( 0.0c 0.0c 0.0( 0.0( 0.0c 0.0( 0.0( li) lot exceeding P3.5 million 401500't 3500641 000 0.0c 0.0( 0.0( 0.0( :ii) ixceeding P3.5 million 40150013500Oq2000 0.0c 0.00 0.0( 0.0c 0.0c 0.0c 0.0( 0.0c 0.0c 0.0( 0.00 0.0c 0.0( 0.0c ,1) 3uaranteed under the National Shelter Progran 401500't 35006421 00 0.00 0.0( 0.0( 0.0c .2\ Ithers 401 50013500642200 0.0c 0.0( 0.0( 0.0( lommercial Real Estate Loans 401 5001351 0640000 0.0c 0.0( 0.0( 0.0c \gricultural 401 5001 351 54m000 0.0c 0.0( 0.0( 0.0c 4 lills Purchasedl 40 1 500 1 4000600000 0.0c 0.0( 0.0( 0.0c 0.0( 0.0( 0.0c 0.0( 0.00 0.0t 0.0( 0.0( 0.0( 0.0( \. :xport Bills Purchased 401 500't400061 0000 0.0( 0.0( 0.0( tils Purcnaseo - utean 140150014000630000 o.ool o.ool 0.0( 0.0( 6. lustomers' Liability for this Banks' Acceptanc€s Outstanding '| 40 1 500 1 5000620000 0.0( 0.001 0.0( 0.0( 7 iross Non-Performing Loans 14015001851 2600000 0.0( 0.0c 0.0( 0.0( 0.0c 0.0c 8. Allo\ilance for Credit Losses 1401 50019000600000 0.001 0.0c 1/lncludes Restructured Loans -

&!c!c!clLc! Lofia and Rlc.lv|blar - olh..t ' d.raliad .. to Statua Fodgn ofibc a c e q Pa3t Due But Past Due and Items in Allowanco for ilet Canylng Gurrent Not Yel Non- Aheady Non- Total Loang Litlgation Credit Los8o6 Amount Partlculars Account Cods Performing Performing Pso Peso Pso P6o Peso Peso Peso InUS$ InUS$ lnUS$ InUS$ InUS$ InUS$ InUS$ Equiv Equiv. Equiv. Equiv. Equiv. Equiv. Equiv. residen$-I l 1401 s(XXXXXX)lqXXX) 0.0( 0.0( o.(X 0.fi 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.(X 1. lLoans to Govemment 1401 50000500120000 0.0( 0.0( 0.0( 0.o[ o.u 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 1/t0150000500121mo 0.0( 0.0( 0.0( 0.0( l. INational Govemmslt 1401 50000500122000 0.u( 0.0( 0.0( 0.0( -GUs 140 t 50000500123000 0.(x o.0( 0.0( 0.0( 0.0( 0.0( 0.(x o.(X 0.(X 0.0( 0.o( 0.0( 0.0( 0.0( 3OCGs iocial S€curity Institutions 140150000500123100 0.0( o.(x 0.u o.u r401 50000500123200 0.0( 0.0( o.0( o.u )th€r Financial $m-FiMmi.l 1401500@5001233q) 0.0( 0.0( 0.0( 0.0( arian Refom / Other Aoricultural Loans 140150001000100000 0.0( 0.0c 0.0( o.o( o.u 0.0( 0.0c 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.tr 1401 500010o5100q)o 0.0( 0.0( 0.0( 0.0( arian Refoam LoarE 1401 50001 01 01000q) 0.u( 0.0( 0.0( 0.0( )ther Aoricultural Credit Loans 3. 140150002000100000 o.(x 0.u( 0.0( 0.0( 0.0( 0.(X 0.0( o.q o.u 0.u 0.u 0.0( 0.0( 0.q 140150002005100000 o.oc 0.0( o.0( 0.0( ,licrofinance Loans )ther MicroenterDrise Loans 140150002010100000 0.0( 0.(x 0.0( 0.u 140150002500100000 0.0( 0.0( 0.(X 0.o( 0.0( 0.0( 0.0( 0.(x 0.0c 0.0( 0.0( 0.o( 0.0( o.(X 4 ;mall and M€dium Enterprise Loans 1401 50002505100000 0.0( 0.0( 0.0( 0.0( r. lsmall Scale Enterprises 1/10150q)25101(xxruo 0.0c 0.0( 0.0( 0.0( vl€dium Scale Enterprise 1401500030(X)1000q) 0.0( 0.0( 0.0( 0.0( lontracts to Sell 6 -oans to Private corDoratiofis 1401 50003500160000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( o.o( 0.0( 0.ft 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( o.0( 0.0t 0.ut a. :inancial 140150003500161000 140150003500162n0 o.0( o.0( 0.0( 0.0( ). !on-Financial '1401 50004000100000 0.0( 0.0( 0.0( 0.u -oans to Individuals for Housing Purposes I 140150004500100m0 0.0( 0.0( 0.u 0.u 0.0c 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( -oans to lndividuals Primarily for Personal Use Purposes 1401 5000450510m00 0.0( 0.0( 0.0( 0.0( Sredit Card 14015000451 01(xXDo 0.u 0.0( 0.0( 0.0( 0.0c 0.0( o.o( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( Motor Vehicle Loans Loans 1401500045101 71000 0.u 0.0( 0.0( 0.0( 1401 500045101 72000 0.o( 0.o( 0.0( 0.0( vlotorcvcle Loans ;alarv-Based GeneraFPurpose Consumption Loans 140150qX512100(n0 0.(X 0.(x 0.tx o.u 14015000451 5100000 0.0( 0.0( 0.0( 0.0( )thers 1401smos(x)OlqXXr0 0.0( 0.0( 0.0( 0.(x -oans to Individuals for Other Purposes r-R""Lfant.--T 14015000q)00200000 0.0( 0.00 0.0( 0.0( o.0( o.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 140150m5500200000 (,.0( 0.0( 0.0( 0.0( lenhal GovemmenUcentral Banks tuuic Sec-tor Entities I 1401500060@200000 0.0( 0.u u.0( 0.0( 140150006500200000 0.0( 0.0( 0.o( 0.o( .oans to corDorations 1401500070002m000 0.0( 0.0( 0.(X 0.0( Indivlduals 14015000m0000cxD0 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( Of.which loans used to comolv with Aorarian Reform/Other Aoriculh ral Lmm 0.0( 0.0( 0.0( 0.0( ll lAorarian R€tom Loans 140150501015100000 0.o( 0.0( 0.o( o.o( )ths Aoricultural Credit Loans 1401505010201omm

Scnldul.,l1!4 La.na and Rc.lv.bl.! - Otha6'l chl.n.d |. to Stdll. Fofllgn Oficaa a b c d e s Past Due But Past Du€ and Items In Allowance for Net Carrying Current Not Yot Non- Already Non- Total Loans ParticularB Account Code Lltlgatlon Credlt Losso3 Arilount Pertorming Pcrformlng Peso Peso P6so Peso Peso Peso Peso InUS$ InUS$ InUS$ InUS$ InUS$ InUS$ InUS$ Equiv. Equiv. Equiv, Equiv Equiv. Equiv. Equiv. qddltional Informatlon )OSRI Loars 140150012500€0qrc0 0.0( 0.0( 0.u o.0( 0.u 0.0( 0.fi 0.0( 0.0( o.(x 0.0( 0.0( 0.0( 0.0( l. Secured 401 50012s05600000 0.(X 0.q 0.0( 0.0( 0.0( 0.0( 0.(X 0.0( 0.0( 0.(x 0.0( 0.0( o.(x 0.(X ,') aEM - Kesnent|al 401 500125106m000 0.0( 0.0( 0.0( 0.0( iD {tsM - Uommeroal 40150012515600000 o.0( 0.0( 0.0( 0.0( iii) aEM - Agnculural 401 50012518600000 0.0( 0.0( 0.0( 0.0( iv) \on-risk Assets 401 50012519600000 0.0( o.o( 0.0( 0.0( v) f,ther collateral 1401500125206qn00 0.0( 0.0( 0.0( 0.0( urFecuredl r40t5u)125256qxrcO 0.0( 0.0( 0.0( 0.0( lLoa'}s Granted under the Bank's Frinqe Benefrt Pr@ram 1rt01 50012528600000 0.(x 0.0( 0.0( 0.0( 2 {orFDOSRl Loans 1401 5001 3000600000 0.0c 0.0{ 0.0( 0.0( 0.0( 0.0( 0.q 0.0( 0.0( 0.0( 0.0( 0.0c 0.0( 0.0( a. Secur6d r40150013005600000 0.0( 0.0( 0.0( o.(x 0.0( 0.0( 0.0( 0.0( 0.0( 0.o( 0.(x 0.0( 0.0( 0.0( (i) tEM - Residential 1401 5001 3010600000 0.0( 0.0{ 0.0( o.o( Ir) lEM - Wmerqa 1401 500r 3015600000 0.0( 0.0( 0.0( 0.0( il, r(EM - Agncunural 1401 5(n130186q)0(rc 0.0( o.q 0.0( 0.0( liv) OttEr collateral 140150013020600000 0.0( 0.0( 0.0( 0.0( Jnsecured I /r01 5001 3025600000 0.0t 0.0( 1 0.0( 0.0( a :xposure to Real Estate Industry 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( 0.0( t. {esEenual Real Estate Loans 1,101 5001 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( ,lot exc€eding P3.5 million 1401500135q)€41o(rc ,D 0.0( 0.(X 0.0( 0.0( ii) lceeding P3.5 million 140150013500642n0 0.o( 0.(x 0.0( 0.0( 0.0( 0.0( 0.0c 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( I Suaranleed under th€ National Shdter Program 1/r01s{rc135(xb42100 0.0( 0.0( 0.0( 0.0( '.21 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.(x 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( \. :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( rils rurcnaseo - ut@n 140150014q)0630O00 0.0( 0.0( 0.0( 0.0( 5 lustomers' Liability on BillyDrafts Under LC/TR 1401 50014500600000 0.0( 0.0c o.0( 0.0t 0.0( 0.0( 0.0( 0.0( 0.ot 0.0( 0.0( 0.0( 0.0( 0.0( mport Bilq 1401 500145006100(n 0.0( 0.0( 0.0( 0.0( mport Balls Und€f TRs 1401 5(x)145006200q) 0.0( o.(X 0.0( 0.0( 6 ]ustomers' Liability for this Banks' Acc€ptances Outstandim 14015001s000620000 0.0( 0.0( 0.(X 0.0( 7 jross Nm-Pefiofmim Loans 1401 50018512600000 0.0( 0.0( o.0( 0.0( 0.0( 0.0( 8. Allowance for Credit Lo6ses 1401500190006m000 0.001 0.0( l/lncludes Restructured Loans -

Restructured Loans and Receivables Classified as to Status Schedule llb Total Amount l of I a b c d e q Particulars Past Due But Past Due and Account Codo Items in Allowance for Net Carrylng Gurrent Not Yet Non. Already Total Loans Lltigatlon Crodlt Losses Amount Performing Non-Performing Resldents 140151000000100000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 1 -oans to Govemmen 1 401 51 0005001 20000 0.0( 0.0c 0.0( 0.0( 0.0( 0.0( 0.0( t. National Government 1401 510005001 21 000 0.0c 0.0c 0.0( 0.0( 0.0( 0.0c 0.0( ). !GUs 1401 51000500122000 0.0c 0.0c 0.0( 0.0( 0.0( 0.00 0.0( GOCCs 140151000500123000 0.0c 0.0c 0.0( 0.0( 0.0( 0.0( 0.0c 1 iocial Securitv lnstitutions 140151000500123100 0.0c 0.0c 0.0( 0.0( 0.0( 0.0( 0.0( )ther Financial 1401 510005001 23200 0.0c 0.0c 0.0c 0.0( 0.0( 0.0( 0.0( l. Von-Financial 14015't000500'123300 0.00 0.00 0.0c 0.0( 0.0( 0.0( 0.0( 2 'arian Reform / Other Aqricultural Loans 401 51 001 0001 00000 0.0( 1 0.0( 0.0c 0.0( 0.0( 0.0( 0.0( l. qrarian Reform Loans 1401 51 001005100000 0.0( 0.0( 0.0c 0.0( 0.0c 0.0( 0.0( ). fther Aqricultural Credit Loans 140151001010100000 0.0( 0.0( 0.0c 0.0( 0.0[ 0.0( 0.0( 3 ilicrncnlarnriqa I nanc d 1401 510020001 00000 0.0( 0.0( 0.00 0.0c 0.0c 0.0( 0.0( Microfinance Loans 1401 51002005100000 0.0( 0.0( 0.00 0.0c 0.0c 0.0( 0.0( ). )ther Miooenterprise Loans 140'151002010't00000 0.0( 0.0( 0.0( 0.0c 0.0c 0.0( 0.0( 4 Small and Medium Enterorise Loans d 401 51 002500100000 0.0( 0.0( 0.0( 1 0.0c 0.0c 0.0( 0.0( lmall Scale Enterorises 1401 510025051 00000 0.0( 0.0( 0.0( 0.00 0.00 0.0( 0.0( 0. vledium Scale Enterprise 1401 51 00251 0100000 0.0c 0.0c 0.0( 0.00 0.0( 0.0c 0.0( 5 Contracts to Sell 140151003000't00000 0.0c 0.0c 0.0( 0.00 0.0( 0.0c 0.0c 6 Loans to Private CorDorations 1 401 51003500160000 0.0c 0.00 0.0( 0.0( 0.0( 0.00 0.0c Financial I 1401 51003500161000 0.00 0.00 0.0( 0.0( 0.0( 0.0c 0.0c Non-Financial 1 401 51 003500't 62000 0.00 0.00 0.0( 0.0( 0.0( 0.0c 0.0c 7 -oans to hdividuals for Housinq PurDoses 140151004000100000 0.0c 0.0( 0.0t 0.0( 0.0( 0.00 0.0c 8 Loans to Individuals Primarily for Personal Use Purposes 1401510U500100000 0.0( 0.0( 0.00 0.0( 0.0( 0.00 0.0c lredit Card 1 401 51 0045051 00000 0.0( 0.0( 0.00 0.0( 0.0( 0.00 0.0c \rotor Vehicle Loans 1401 5100451 0100000 0.0( 0.0( 0.00 0.00 0.0( 0.00 0.0( 1 Auto Loans 1401 5't 00451 01 71 000 0.0( 0.0( 0.0c 0.0c 0.0( 0.0( 0.0( Motorcycle Loans 1401 51 004510172000 0.0( 0.0( 0.0( 0.0c 0.00 0.0( 0.0( jalary-Based General-Purpose consumDtion Loans 1401 51 00451 21 00000 0.0( 0.0( 0.0( 0.00 0.00 0.0( 0.0( )thers 1401 51 0(X51 51 00000 0.0( 0.0( 0.0( 0.00 0.00 0.0( 0.0( 9, -oans to Individuals for Other Purooses 1401 51005000100000 0.0( 0.0( 0.0( 0.00 0.0( 0.0( 0.0( Non.Residentg 1401 51 000000200000 0.0( 0.0( 0.0( 0.0c 0.0( 0.0( 0.0( 1 lentral GovernmenUC€ntral Banks 1401 51 005500200000 0.0( 0.0t 0.0( 0.0( 0.0( 0.00 0.0( z, rublic Sector Entities I 1401 51006000200000 0.0( 0.0( 0.0( 0.0( 0.0( 0.00 0.0( 3. -oans to CorDorations 1401 51006500200000 0.0t 0.0( 0.0( 0.0( 0.0( 0.00 0.0( 4. -oans to |ndividuals 140151007000200000 0.0c 0.0( 0.0( 0.0( 0.0( 0.0c 0.00 rOTAL 140151000000000000 0.0c 0.0c 0.0( 0.0( 0.0( 0.00 0.00 of 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) )ther Agricultural Credit Loans 140150501020100000 0.0c 0.0c 0.0c 0.0( 0.0( 0.0( 0.0(

gclclcEl$.l Ratbuctu|td Lo€n3 end Racahrablaa I ol I Clar.lfi.d a. to S'trtr3 Plao Accounta a b c d e I q Past Due But Past Due and Partlculars Account Gode Items in Alowance for l{et Garrylng Current Not Yet Non- Already Non- Total Loans Lltlgatlon Gredit Losses Amount Performing Performing Resldents 1 401 51 0000001 00000 0.0( 0.0( 0.0( 0.0( 0.0c 0.0( 0.0( -oans to Govemmen 1401 51000500120000 0.0( 0.0t 0.0( 0.0( 0.0c 0.0c 0.0( t. {ational Govemment 1401 51000500121 000 0.0c 0.0( -GUs 1401 51 000500122000 0.0c 0.0( 3OCCs 1401 51 000500123000 0.0( 0.0c 0.0( 0.0( 0.0c 0.0c 0.0( lsoclar secunry Insllutons 140151 0005001231 00 0.0c 0.0( lutner Frnancral 140151000500123200 0.0( 0.0( l. lNon-Financial 140151 0005001 23300 0.0( 0.0( 2. \qrarian Reform / Other Aoricultural Loans 140151 001 0001 00000 0.0( 0.0( 0.0t 0.0( 0.0( 0.0( 0.0( \orarian Reform Loans 140151 0010051 00000 0.0( 0.0c )ther Aoricultural Credit Loans 140151 00101 01 00000 0.0( 0.0( 3. Vlicroentemrise Loans a 140151 0020001 00000 0.0( 0.0( 0.00 0.0( 0.0( 0.0( 0.0c 1. Vlicrotinance Loans 1 401 51 0020051 00000 0.0( 0.0c )ther Microenterprise Loans 401 51 00201 0100000 0.0( 0.0c 4. imall and Medium EnterDrise Loans a/ 401 51 0025001 00000 0.0c 0.0( 0.0( 0.0( 0.0( 0.0( 0.00 imall Scale EnterDrises 401 5'l 0025051 00000 0.0( 0.00 tiiledium Scale EnterDrise 40151 00251 01 00000 0.0( 0.0( 5. lontracts to Sell 4015't 0030001 00000 0.0( 0.0( 6. -oans to Private Coroorations 40151 003500160000 0.0c 0.0( 0.0( 0.0( 0.00 0.0c 0.0( l. :inancial I 40151 003500161 000 0.0c 0.0( {on-Financial 40151003500162000 0.0c 0.0( -oans to Individuals for Housing Purposes 401 51 0040001 00000 0.0c 0.0( 8 -oans to Individuals Primarily for Personal Use Purposes I 401 51 0045001 00000 0.0c 0.0( 0.0( 0.0( 0.00 0.00 0.0( Credit Card 140151 0045051 00000 0.0c 0.0( l\rotor Vehicle Loans 140'151004510100000 0.0c 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( lAuto Loans 140151 0il5101 71000 0.0( 0.0( 2. lMotorcvcle Loans 1401510(X5101 72000 0.0( 0.0( Salary-Based GeneraFPurpose Consumption Loans 1401 5100451 2100000 0.0( 0.0( { Others 1401 51 00451 5100000 0.0( 0.00 I -oans to Individuals for Other Purooses 140151005000100000 0.0( 0.0c Non.ResidenG 1 401 51 000000200000 0.00 0.0t 0.0( 0.0( 0.0( 0.0( 0.0c 4 -oans to Individuals 140151 007000200000 0.0( 0.0( rOTAL 140151 000000000000 0.0( 0.0c 0.0c 0.0( 0.0( 0.0( 0.0( ' Of which loans used io mmDlv with Aorarian Reform/Other Aoricullural Loans 1) \orarian Reform Loans 1401 50501 01 51 00000 0.0( 0.0( Jther Agricultural credit Loans 1401 50501 0201 00000 0.0c 0.0( "21

R.dtucbnd Li.m md ir.o|9 bl.r srlrt{rltrB Cldfi.d.. ao stttr. a b G d e I g Particulars Part Due But ilot Yst Pa3t Due and Aready Allowanca for Cradlt Account Code Curront Itom3 In Lltigation Total Loans Net Carrylng Arnount Non+erforming Non+odormlng Loales InUSg Ps Eouiv InUS$ P6o Eouiv. ln t.,S $ Ps Equiv. InUS$ Ps Eouiv InUSS P@ Equiv. InUS$ Pm Eouiv InUSS P@ Equiv. lo3id6nts 1401 51 0000001 0000 (.).0(.) 0.00 0.o0 0.00 0.00 o.oo 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1 -oans to Government r401 51 0005001 20000 0.00 0.00 0.oo 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 o.oo 0.00 0.00 lNational Government r401 510005001 21 000 0.00 0.00 0.00 0.00 ILGUs 1401 5't0005001 22000 0.00 0.00 0.00 0.00 IGOCCS r401 51 0005001 23000 0.00 0.00 0.00 o.oo 0.o0 0.00 0.00 0.oo 0.00 0.00 0.00 0.oo 0.00 0.00 140151 0005001 231 00 0.00 0.00 0.00 o.oo f,ther Financial 1401 51 0005001 23200 0.00 0.00 0.00 0.00 \lon-Financial 1401 51q)0500't 23300 0.00 0.00 0.00 0.00 Agrarian Retorm / Other Aqricultural Loans 140 1 51001 0001 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 o.oo lAorarian Retorm Loans 1401 51 001 005't 00000 0.00 0.00 0.00 0.00 lOther Agricultural Credit Loans 140151 001 01 01 00000 0.oo 0.00 0.oo 0.00 /imenlerorise Loans d 140 1 51 0020001 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 lMicrofinance Loans 1401 510020051 00000 0.00 0.00 0.00 0.00 I Other Microenterorise Loans 1401 5100201 01q)000 0.00 0.00 0.00 0.00 4 Small and Medium EnlerDrise Loans 140't 51 0025001 00000 (,.(r(, o.o0 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 o.oo 0.00 0.00 0.00 lSmall Scale Enterprises 140151 0025051 00000 0.00 0.00 0.00 0.00 IMedium Scale EnterDrise 1401 51 0025101 00000 0.00 0.00 0.00 0.00 lontracts to Sell 1 401 51003000100000 0.00 0.00 0.00 0.00 6 -oans to Privale Corporations r40151 0035001 60000 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.o0 l. lFinancial I I 140151 0035001 61000 0.00 0.00 0.00 o.00 lNon-Financial 140r51 0035001 62000 0.00 0.00 0.00 0.00 -oans to Individuals for Housinq Purooses 1401 510040001 00000 0.oo 0.00 0.oo 0.00 I -oans to Individuals Primarily for Personal Use 140 1 5 1004500100000 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 >urooses lCredit Card 140't 51 0045051 00000 0.00 0.00 0.00 0.00 lMotor Vehicle Loans 140151 00451 01 00000 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 o.oo 0.00 0.00 lAuto Loans I 140151 0045 t01 71 000 0.00 0.00 0.00 0.00 12. lMotorcycle Loans 1401 5100451 01 72000 0.00 0.00 0.00 0.00 ). lSalary-Based General-Purpose Consumption Loan 1401 510045't 2100000 0.00 0,00 0.00 0.00 lothefs 140 1 5100451 51 00000 0.00 0.00 0.00 0.00 9 oans to Individuals for Olhsr PuroGes 1401 51 0050001 00000 0.00 0.00 0.00 0.00 n-Re3identr rOTAL 140151 000000000000 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 ' Of which loans used to comDlv with Aorarien Reform/Other Aoriculluml Lmns 1) tn Faslorm Loans 1401 5050101 5100000 0.00 0.00 0.00 0.00 2) lother Agricultural Credit Loans 1401 50501 020100000 0.00 0.00 0.00 0.00

!d!rub$l8 R..tucurcd Loan! and R*dyablo I oti Chl.|n.d r to 8t tu. FCDU'EFCOI' a b c d 3 I q Past Drc But l{ot Yot Past Oue and Alreadt Allowanco for Cr€dit Curront Items in Lltigation Total Loans Net Canylng Amount Particulars Account Codo Non-Pertorming Non-Performlng Lo33€s InUS$ Peso Equiv. InUS$ )€so Equiv. InUS$ Pso Equiv. InUS$ Psso Equiv InUS$ P6o Equiv InUS$ Peso Equiv. InUS$ Po$ Equiv. lssidems r401 51(XXXDo1(xxx)o 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( o.u o.0( 0.0( 0.0( -oans to Govemment 1rto151(n05@120000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0c 0.0( 0.0( 0.q 0.(X 0.0c 0.0( {ational Gov€mment 1/rc151m05m121m0 o.(X 0.0( 0.0( 0.0( -GUs 1401 51000500122000 0.0( 0.0( 0.0( 0.0( SOCCS 140l 51000500123000 0.o( o.u 0.0( 0.(X 0.0( 0.0( 0.0( 0.0c 0.tr 0.0( 0.0( 0.0( 0.0c 0.0( Sociel Security InstiMions 1401 510005q)123100 0.0( 0.0( 0.0c 0.0( Other Financial 11101 510005q)123200 0.fi 0.0( 0.0( 0.0( Non-Financial 140151q)O500123300 0.0( 0.0( 0.0( 0.(X z. arian Refo.m / Other Aqricultural LoarE 140151(X)100010@00 0.(x 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( o.(x 0.(X 0.0c 0.0( 0.0( orarian Refoam Loans 1401510010051m000 o.fi 0.0( 0.0( 0.0( Other Aoricultural Credit Loans 1401510010101 00000 0.0( 0.0( 0.0( 0.0( 3. 1401510020001 00000 0.0( o.o( o.0( 0.0( 0.0c 0.u 0.0( 0.0( 0.0( 0.0( 0.0( 0.0c 0.0( 0.0( Microfinance Loans 140r5r(X)2(x)5100(xr0 0.0( 0.0( 0.0( 0.0( Jther Microentemrise Loans 1401 51(x)201 01q)U)o 0.0( 0.0( o.o( o.o( 4 imall arrl Mtrlium Eniffiis LmN 140151(X)25(X)1q)fi)o 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.o( 0.0( 0.0( Small Scale Enteorises 1 401 51q)25051qru00 0.0( 0.0( 0.fi 0.0( Medium Scale EnterDrise 'l/1O15100251010q)00 0.0( 0.0( 0.0( 0.0( Contracts to S€ll 14015100300010m00 0.0( 0.0( 0.0( 0.0( LoarB to Private Corcorations 1401 51003500160000 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( a, =inancial I 1401 51003500161000 0.0( 0.0( 0.0( 0.0( b. Non-Financial 1401 51(X)3500162U)0 0.0( 0.0( 0.0( 0.0( 7 Loans to Individuals for Ho6im PurDoses l40151(Xx(X)o10(XX)0 0.0( 0.0( 0.0( 0.0c E -oans to Individuals Pnmanly for Pefsonal us€ Purpose6 1/to151(x)45(x)lmooo 0.0( 0.0c 0.0( 0.0( 0.0( 0.0( 0.0c 0.0( 0.fi 0.0( 0.0( 0.0( 0.0( 0.0( t. ir€drt Card 1401 51q)45051(xxrcO 0.0( 0.0( 0.0( 0.(X Vlotor Vehicle Loans 1401 510(X510100000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0c 0.0( 0.0( o.0( 0.0c 0.0( 0.0( 0.0( 1 Mo Loans I 1401 5100451 01 71 000 0.0( 0.0( 0.0( 0.0( ilotorcvcle Loans 1401 510045101 72000 0.0( 0.0( 0.0( 0.0( Salary-Based General-Purpose Consumption Loans 140151(XXs12100m0 0.0( 0.0( 0.0( 0.0( l. 3thers 140151(xX5151(XXruO 0.0( 0.0( 0.0( 0.0( I -oans to Indivlduals tor Otller PurDoo€s 140151005q)Ol(xXnO 0.0( 0.0( 0.0( 0.0( [on-Re8ide]rtr 140151@0000200000 0.0c 0.0( 0.0( 0.0( 0.0( 0.0c 0.0( 0.0( 0.0( 0.fi 0.0( 0.0( 0.0( 0.0( lentral Govemmenvcentral Banks 1/1015100550020fiP0 0.0( 0.0( 0.0( 0.0( 2 ruuic Sector Entities 140151006000200000 0.0( 0.0( 0.0( 0.0( -oans to corporations 140151006500200000 0.0( 0.0( 0.0( 0.(X 4 -oans to hdividuals I 140151007$020m00 0.0( 0.0( 0.0( 0.fl TOTAL 1/to151o(xxxrcoo(Xx)o 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.00 0.0( 0.0c 0.(x 0.0( 0.0( 0.0( ' f)f wlrinh lmm rnsl t^ mrrlv wilh AdEri.n Flafm/a)|tw I orarian Reform Loans 14015050101 5100000 0.0( 0.fi 0.(x 0.0( Ith€r Agricultural Credit Loans 14015050102010(xD0 0.0( 0.0c 0.0( 0.0(

gltdcblt!, R.dructurld Loam md R.c.lvrbl.. r.r r ClaJi.d rt lo at.tu. Fo'.lgn Ofilc.. a b c d e f g Past Due But ilot Yet Past Due and Already Allowancs for Credit Particularg Accounl Code Current Items in Lillgation fotal Loan3 Net Carrying &neunt Non-Perfo.ming Non-Performlng Logges InUS$ Peso Equiv. InUS$ Peso Equiv. InUS$ Pso Equiv, InUS$ P€so Equiv InUS$ rm Equiv. InUS$ Psso Equiv InUS$ )so Equiv. lssldentg 1401510000001 00000 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( -oans to Govemmenl 1401510q)50012q)00 0.0( 0.0( o.o( 0.0( 0.0( 0.0( 0.0( o.o( 0.0( 0.0( 0.0( 0.0( 0.(x 0.0( {ational Goverffirenl 140151m05001210(n 0.0( 0.0( 0.q 0.0( ). LGUs 1,10151000500122000 0.0( 0.0( 0.q 0.0( itoccs 140151000500123000 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( l. lsocial Securitv Ins$tutiofts 1 40151000500123100 0.0( 0.0( 0.0( 0.0( I Lnner Fnarrcral 1401 510(x)5(x)123200 0.0( 0.0( 0.0( 0.0( l. lNoFFinarrcial 1401 51(x)O500123300 0.0( 0.0( o.(X 0.0( 2 orarian Refo.m / Other AoricdtuEl Lmm 1/t0151001000100(rc0 0.0( 0.0c 0.0( 0.0( 0.0( 0.0( 0.0( o.0( 0.0( 0.0( 0.fi 0.0( 0.(X 0.0( t. \grarian Reform Loans 1 40151001005100000 0.0( 0.0( 0.0( 0.0( )ther Aqricultural Credit Loar}s 140151m101010mO0 0.0( 0.0( 0.0( 0.0( \,licroenterorise Loarc d 1401510020(n1o(nfi) 0.0c 0.0( 0.0( 0.0( 0.0( 0.(X 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( \,licrofinance Loans 1/t0151002(n51mo(n 0.0( 0.0( 0.0( 0.0( )ther MacroenterDrise Loans r/r0151q)201010(xrc0 0.0( 0.0( 0.q o.(x 4 lmall and Madirrm Fdamrico I mnc d 1401 51002500100000 0.(X 0.0( 0.o( 0.(X 0.0( 0.0( 0.0( 0.0( o.0{ 0.0( 0.0c 0.0( 0.0( 0.0( tmall Scale Enterprises r401 51002505100000 0.0( 0.0( 0.(x 0.(x vledium Scale Enterprise 1401 5100251 01m0@ 0.0( 0.0( 0.0( 0.0( 5 lontracts to Sdl 1/101510m(n0100000 0.0( 0.0c 0.0( 0.0( 6. -oans lo Privat€ CorDorations 140't 51003500160000 0.(x 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0c 0.0( 0.0( O.CX 0.cK ;inancial I 140151003500 t61000 0.0( 0.0( 0.0( 0.0( {on-Financial 1401 51 003500162000 0.0( 0.0( 0.0( 0.0( -oans to Individuals fof Housino PurDGes r40151(XX(X)O1(xxrcO 0.0( 0.0( 0.0( o.o( E -oans to Individuals Primarily for Personal Use Purposer r/r0151004500100000 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( )redat Card r 401510045051 00000 0.0( 0.0( 0.0( 0.0( ,lotor Vehicle Loans 1401 51004510100000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( lAuto Loars 140151(xxs101710m 0.0( 0.0( 0.0( 0.0( lMotdmleLmm 1,t0151004510172m0 0.0( 0.0( 0.0( 0.0( i{rlary-Eas€d General-Purpose consumption LoarF 40151flMs121 0(mO0 0.0( 0.0( 0.0( 0.0( Jtherc 40151004515100000 0.0( 0.0( 0.0( 0.0( -oans to Individr€ls for Other PurDoses 40151005mO100000 0.0c 0.0( 0.0( 0.0( {o 40151m@0o2(Xxn0 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0c 0.0( '3idents 0.(X 0.0( 0.0( 0.0( sntral Govemmenucentral Eanks ,r0151005500200(n0 0.0c 0.0( 0.0( 0.0c 2 )uuic Sector Entiti€s 4015100600020(xn0 0.0( 0.0( 0.0( 0.0c -@ns to corDorations 1 401 51 006500200000 0.0( 0.0( 0.0( 0.0c -oans to Indivaduals 1 401 51 007000200000 0.0( 0.0( 0.0( 0.0c rOTAL 140151(x)000q)000(x) 0.c( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0c 0.0( 0.0( 0.0( 0.0( 0.0c 0.0c 'Oft vhich loans us€d to complv with Aorarian Reform/Other Aoricultural Lem 1) \grarian Reform Loans 14015050101510m00 0.0( '21 0.0( 0.0( 0.0c Jther Aqncultural Credit Loatns 1401 50501 020100000 0.0( 0.0( 0.0( 0.0(

Lo.n..nd raeortvebt.. . oth.E """!# [@mant! In Alow'nc€. for Clidlt Locaaa Total Anount Write-offs taken Anounts set asido qrnounts rcversed fo Recoveries snalge<Its Partlculars Opening Other Closlng dircctly dircctly Account Code again3t tho for e3tlmated credit estimated crodlt balanc6 adjustments Balances recognlzed In rccognlzed in allowance logBo$ losses profit or loss profft or loss Specific allowances for individually assessed financial assets and Specific allowances for collectively assessed financial assets lesldents 1 651 500000001 00000 0.0( 0.0( 0.0c 0.0( 0.0( 0.0( 0.0( 0.0( -oans to Govemment 1651 500005001 20000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( l. {ational Govemment 1651 50000500121000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0c -GUs 1651 50000500122000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0c GOCCs 1651 500005fi)1 23000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( lSocial Securitv Institutions 1651500005001 23100 0.0( 0.0c 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( lOther Financial 1651500005001 23200 0.0( 0.0( 0.0( 0.0c 0.0( 0.0c 0.0( 0.0( ,. lNon-Financial 1651 50000500123300 0.0( 0.0( 0.0( 0.0c 0.0( 0.0c 0.0( 0.0( z. \qrarian Reform / Other Aoricultural Loans 1 651 50001 0001 00000 0.0( 0.0( 0.0( 0.0c 0.0( 0.0c 0.0( 0.0( l \qrarian Reform Loans 1651500010051 00000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0c 0.0( 0.0( ). f,ther Agricultural Credit Loans 1651500010101 00000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0c 0.0( 0.0( 3 Uicroenterprise Loans 1 651 500020001 00000 0.0c 0.0( 0.0( 0.0( 0.0c 0.0( 0.0( 0.0( Vicrofinance Loans 1 651 500020051 00000 0.0c 0.0( 0.0( 0.0( 0.0c 0.0( 0.0( 0.0( b. Jther MicroenterDrise Loans 1 651 5000201 01 00000 0.0c 0.0( 0.0( 0.0( 0.0c 0.0( 0.0c 0.0( 4 Small and Medium Entemrise Loans 1 651 500025001 00000 0.0c 0.0( 0.0( 0.0( 0.0c 0.0( 0.0c 0.0( a. tmall scale EnterDrises 1651 50002505100000 0.0c 0.0( 0.0( 0.0( 0.0( 0.0( 0.0c 0.0( b. \,ledium Scale Enterprise 651 5000251 01 00m0 0.0c 0.0( 0.0( 0.0( 0.0( 1 0.0( 0.0( 0.0( 6 lontracts to Sell 500030001 00000 1 651 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 6 -oans to Private comorations 1 651 500035001 60000 0.0r 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( l. :inancial I 651 500035001 61 000 1 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( ). {on-Finencid 651 500035001 62000 0.0( 0.0( 0.0( 0.0( 0.0( 1 0.0( 0.0( 0.0( 7 -oans to Individuals for Housinq Pumoses 1651 50004000100000 0.0( 0.0c 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 8 -oans lo Individuals Primarilv for Personal Use PurDoses 165150004500100000 0.0( 0.0c 0.0( 0.00 0.0( 0.0c 0.0( 0.0c lredit Card 1 651 500045051 00000 0.0( 0.0( 0.0( 0.0c 0.0( 0.0t 0.0( 0.0c ). MotorVehicle Loans 16515000451 01 00000 0.0( 0.0c 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( lAuto Loans 16515000451 01 71000 0.0( 0.0c 0.0( 0.0( 0.0( 0.0c 0.0( 0.0c lMotorcvcle Loans 165150UX5101 72000 0.0( 0.0c 0.0( 0.0( 0.0( 0.0( 0.0( 0.0c Salary-Based General-Purpose ConsumDtion Loans 1651 500(X512100000 0.0( 0.0c 0.0( 0.0( 0.0( 0.0( 0.0( 0.0c Cthers 1 651 5000451 51 00000 0.00 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0c a -oans to Individuals for Other Purooses 1651500050001 00000 0.0c 0.0( 0.0( 0.0( 0.00 0.0( 0.0( 0.0c Non-Rssldents 1 65 1 50000000200000 0.0c 0.0( 0.0( 0.0( 0.0c 0.0( 0.0( 0.0c lentral Govemmenucentral Banks 1 651 50005500200000 0.0c 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 2. )ublic Sector Entitiesl 165150006000200000 0.0( 0.0( 0.0c 0.0( 0.0( 0.0( 0.0( 0.0( 3 -oans to Comoralions 1 651 50006500200000 0.0( 0.0( 0.0c 0.0( 0.0( 0.0( 0.0( 0.0( 4 loans to Individuals 1 651 50007000200000 0.0( 0.0( 0.0c 0.0( 0.0( 0.0( 0.0( 0.0( rOTAL 1 651 50000000000000 0.0( 0.0( 0.0c 0.0( 0.0( 0.0( 0.0( 0.0(

S4c!cli-!c1 Loana and Racalyablaa . Othora I dtl Iowmania ol Allowanco€ for Crcdll Lo63€3 Polo Accounta Arnounts set Amountg Recoveries Charge-offs Wrlte-offs taken Opening aslde for reversed for Other Closing directly direc{ly Particulars Account Code agalnst the balanco ostlmated credlt $timated credit adrustments Balances recognized in recognlzed in allowance lossos lo$es proflt or loss profit or loss Specific allowances for individually assessed financial assets and Specific allowances for collectively assessed financial assets Residents 1651 500000001 00000 0.0c 0.0( 0.0( 0.0c 0.0( 0.0( 0.01 0.0( -oans to Government 1 651 500005001 20000 0.0c 0.0( 0.0( 0.0c 0.0( 0.0( 0.01 0.0( l- {ational Govemment 1651 50000500121 000 0.0( )- -GUs 165150000500122000 0.0( 30CCs 165150000500123000 0.00 0.0( 0.0( 0.00 0.0( 0.0( 0.0( 0.0( lSocial Securitv lnstitutions 165150000500123100 0.0( lOther Financial 1651 50000500123200 0.0( l. lNon-Financial 1651 50000500123300 0.0( 2 \orarian Reform / Other Aoricultural Loans 1651 50001 0001 00000 0.0c 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( l. \grarian Reform Loans 1 651 50001 0051 00000 0.0( )ther Agricultural Credit Loans 1 651 5000101 01 00000 0.0( ? Microenterprise Loang 1651 500020001 00000 0.0( 0.0( 0.0( 0.0( 0.00 0.0( 0.0c 0.0c Microfinance Loans 1 651 500020051 00000 0.0( Sther Microentemrise Loans 1 651 5000201 01 00000 0.0t 4. Small and Medium Enterprise Loans 1 651 500025001 00000 0.0( 0.0( 0.0( 0.0( 0.0c 0.0( 0.0c 0.00 Small Scale EnterDrises 1 651 500025051 00000 0.0( Medium Scale Entemrise 1 051 5000251 01 00000 0.0( 5. 3ontracts to Sell 1 651 500030001 00000 0.0( 6 -oans to Private Gorporations 1 651 500035001 60000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0c 0.0( 0.0c t. Financial I 1 651 500035001 61000 0.0c \on-Financial 1651 50003500162000 0.0t 7. Loans to Individuals for Housinq PurDoses 1651 500(X0001 00000 0.0c 8. -oans to Individuals Primarilv for Personal Use PurDoses 1651 500045001 00000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0c 0.0( 0.00 lredit Card 1 651 500045051 00000 0.0c b. Votor Vehicle Loans 1651500045101 00000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0c 0.0( 0.00 1. lAuto Loans 1651 500045101 71 000 0.0c Motorcvcle Loans 165150004510172000 0.0c alary-Based General-PurDose Consumption Loans 1651500045121 00000 0.0c f,thers 1651 5000451 51 00000 0.0c o Loans to Individuals for Other Purooses 1651 500050001 00000 0.0c \lon-Resldents 1 651 50000000200000 0.0( 0.00 0.0c 0.0( 0.0( 0.0c 0.0( 0.0( 4. Loans to lndividuals 1 651 50007000200000 0.0( rOTAL 1 651 50000000000000 0.0( 0.0( 0.0c 0.0c 0.0( 0.0( 0.0( 0.0(

Schodule l1c2 1ot1 Loans and Receivables - Others Movements in Allowances for Credlt Losaes Foreign Regular Wriie-offs takon Rocovorles dirrctlt Partlculalt Account Code Openlng balanco against the allowanco loaaea los3ea or losa or loss Specific allowancas for individually assessed financial assets and Specitic allotrances for collec-tively assessed financial assets InUS0 Peso InUS$ Peso InUS$ Peso InUS$ Peso InUS$ Peso Fes Peso Peso Eouiv Ed0iv Fdiliv Fnriv InUS$ InUSS InUS$ Eouiv. Eouiv. Eouiv. Eouiv ml3 r651 500000001 00000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( u.0( 0.u o.ol o.o( 0.0( 0.0( 0.0( 0.0( 1 -oans to Govsrnment 1651 500005001 20000 o o.o( 0.0( 0.0( 0.0( 0.01 0.0( 0.0( 0.0( 0.0( 0.0r 0.0( 0.0( 0 0.01 0.0( ,lational Government 1651 500005001 21 000 0.0( 0.0( JS | 651 50000500 t 22000 o.o( iOCCs 1 651 500005001 23000 0 o.ot 0.0( 0.0( 0.01 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( iocial Securitv Institutions 1 651 500005001 23't00 0.0( 0.0( )lher Financial 1 651 500005001 23200 0.o( 0.0( {on-Financial 1 651 50000500123300 0.0( 0.0( 2 g€raan Relom / Other Agricultural Loans | 651 50001000r00000 0.0( 0.0( 0.0( 0.0( 0.0( 00( 0.0c 0.0( 0.0( 0 o.o( 0.0( 0.0( 0.0( 0.0( 0.0( \orarian Reform Loans 1651 50001005100000 0.0( 0.0( )thsr Aoricultural Credit Loans 1 651 500010r01 00000 0.0( 0.0( 3.1 Microenlerorise Loans 1651500020001 00000 0.0( 0.0( 0.01 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( (,.(r( 0,ol 0.0r 0.0( 0.0( 0.0( ,licrofinanF LGns 1651 500020051 00000 0.0( 0.0( Clher Microenterorise Loans 1 651 5000201 0100000 0.0( 0.0( 4 Small and Medium Enterprise Loans 1 651 50002500100000 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 0.0( 0.0( r. lSmall Scale Enterprises 1651 50002505100000 0.0( 0.0( . lMedium Scale Enterffise 165't 5000251 0100000 0.0( o.o( lontracts to Sell I 1 651 50003000100000 0.0( 0.0( 6 -oans to Private CorDorations 1 651 500035001 60000 0.0( 0.0( 0.0( 0.0( 0.0( 0 0 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( rnancial I 1 651 50003500161000 0.0( ). lNon-Financial I 1 651 50003500162000 0.0( 0.0( -oans to Individuals 'or Housinq PurDos€s 1 651 50004000100000 0.0( 0.0( 8 -oans to Individuals Primarily for Personal Use Purposes 1 651 5U)04500100000 o.ot 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.01 0.0( 0.0( 0.0( o.o( 0.0( 0.0( lredit Caftl 1 651 500045051 00000 0.0( 0.0( \rotor vehrcle Loans 1651500045101 00000 0.0( 0.0( 0.0( 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( Auto Loans 1651 500045101 7't 000 0.0( 0.0( . lMotorcycle Loans 1 651500045101 72000 0.0( 0.0( Salarv-Based GeneraFPuroosa ConsumDtion Loans 1651500045121 00000 0.0( tl ,. lurners | | 165150004515't 00000 0.0( 0.0( -oans to Individuals br Other PurDoses 1651 50005000100000 0.0( 0.0( rOTAL 1 65150000000000000 0.0( 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( 0.0( 0.0(

Lo$..nd RacatY.bt.. - oth",! *rr&* Iov.m.ni. In Alowrnc.| ior Crtdtt Locr.. FCDIJ,EFCDU Arnount3 set Amounts Racovori6s Charge-offs Writedfs taken Particulars Account Code aside fol raversod for Other Closing dlrectly directly Opening balanc€ agalnst the adjustment3 Balance3 recognizod in rocognized ln allowance logses loasea proflt or loss profit or loss Sp€cific allo^rances for irdividually assessed financial assets and Specitic allor€nces for collec{ivdy assessed financial assets Pe60 Peso Pe6o Peso Peso Peso Peso Peso InUS$ InUS$ Fariw InUS$ InUS$ InUS$ InUS$ lnUS$ InUSg Eouiv Eouiv Eouiv Eouiv Eouiv Eouiv 1 65150000000100000 o.(X o.(X 0.0( 0.0( 0.0( 0.fr o.(x 0.0( 0.0( 0.0( 0.0t 0.0( o.o( 0.0( 0.0( 0.0( 'l -oar6 to Gov€mment 16515fin05(U20000 o.0( 0.0( 0.0( 0.0c 0.0( 0.u 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.(x 0.0( 0.0( r. lNational Govemment 1651 50000500121000 o.o( 0.0( ,. ILGUS 65150000500122000 1 0.0( 0.0( SOCCs 65150000500123000 0.0( 0.0( 0.0( o.(X 0.0( 0.0( 1 0.0( 0.0( 0.(X 0.0( 0.0( 0.0( 0.0( 0.0( 0.01 0.0( 1. iocial Security InstiMions r651s(xDos(x)123100 0.0( 0.0c )ther Financial r651 50000500123200 0.0( 0.0( 3. {on-Financial 1 65150000500123300 0.0{ 0.0( ?rian Reform / Oth€r Agricultural Loans 16515m01000100000 o.0( 0.0( 0.0( 0.0( 0.0( 0.0( o.o( 0.0( 0.0( 0.0( 0.0( 0.0( o.o( 0.0( 0.0( 0.0( Agrarian Reform Loans 1651 500010051000(n 0.0( 0.(X Agricutural Credit Loans 16515m010101000@ 0.(X 0.fi t4icroerterorise Loans '1651500020001mo00 0.0c 0.0( 0.0( o.0( 0.0( 0.0( 0.0( 0.0( 0.0( o.0( o.0( 0.0( 0.0( 0.0( 0.0( 0.o( 1651 50002005100000 0.0( 0.0( Cth€r MicroenterDrise Loans 165150002010100m0 0.0( 0.0( 4 Small and Medium Enterprise LoarE 65150q)2500100000 0.0( 0.0( 0.(x 1 0.0( 0.0( 0.0( 0.0( o.0( 0.0( 0.0( 0.0( 0.0( 0.0( o.o( 0.0( 0.0( Small Scale EnterDrises 1 00000 651 50002505 1 0.0( 0.0( \4edium Scale Enterorise 1651 50002510100000 0.0( 0.0( l_;ontracts to sell 165r 5m03000100000 6 -oans to Private CorDorations 1 65150003s00160000 0.u 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( :inancial I 165150003500161000 0.0( 0.0( 1651 50003500162000 0.0( 0.0( r651 50(XX000100000 0.0( 0.0{ 8 -oalE to Individuals Primarily for Personal Use purposes r 6515q)O45001000(x) 0.0( 0.0( o.0( 0.0( 0.0( 0.0( 0.0( 0.(X 0.0( 0.0( 0.0( 0.q 0.0( 0.0( 0.0( 0.0( lredit Card 165150004505100000 0.0( 0.0( [otor vehicle Loans 16515009510100000 o.o( 0.0( 0.fr 0.0( 0.0( 0.0( o.o( 0.0( 0.0( 0.0( 0.0( 0.0( 0.(X 0.0( 0.0( 0.0( \uto Loans 1651 500045101 71 000 0.0( 0.0( )torcvcle Loans 1 651500045101 720q) 0.0( 0.0( Jsalary-Bas€d Gen€ral-Purpose ConsumDtion Loans 1651500045121000(n 0.(X 0.0( l. lothers 1051 50q)4515100000 0.0( 0.0( o .oans to Individuals for Other Purooses 1 65150005000100000 0.0( 0.0( {on-Resldentg 1651 500fi)000200000 o.0( o.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0{ 0.0( 0.0( 0.0( o.o( o.o( 0.0( 0.0( 0.0c 1. ;entral Govemmert/central Banks 16515(n055002qxn0 2 Juuic Sector Entfies 16515m06000200000 o.0( 0.fr -oans to Corporations 1651 50006500200000 0.0( 0.0( 4 Individuals r651 50007000200000 0.0( 0.0( 16515000ff)0000(xrc0 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.o( 0.0( 0.0( 0.0(

sdLdut l,toa Lo|n3 and Rac.Mu...olh.E ldr Ioy.ma|l|! In Allow.m.. for crldft Lo..er Forclgn Olllccr Amount3 set Amounts Recoverles Charge-offs Wrlte-offs taken aside fol reversed for Other Closing dlreclly dlrec{ly Partlcula13 Account Code Opening balance egalmt the adjustments Balances recognlzed in recognized in allowance los$es loaaes proflt or loss profit or loss Specific alloffanc€s for individually asse6s€d financial assets and Specific alb^€nces for collec{ively assess€d financial assets Peao P€so Peso Peso P€6o Peso Peso Peso InUS$ InUS$ InUS$ InUS$ InUS$ InUS$ InUSS InUS$ Eouiv Eorriv Eouiv Eouiv Eouiv Eoriv Eouiv Eouiv lesldents r65 r500qrco01oqrco 0.0( 0.0( 0.0( 0.0( 0.0( o.(X o.0( o.(X 0.0( 0.0( 0.0( 0.0( 0.0( o.(x o.0( 0-0( 1. -oans to Govemmenl r651so000500120000 0.0( 0.0( 0.0( 0.0( 0.u 0.(x o.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.u o.(X 0.0( 0.0( t. {ational Govemment 1651 50000500121 000 0.0( 0.0( -gUS | | 165150000500 r22000 0.(X o.0c iOCCs | | 1 651 50000500123000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( o.ol o.0( 0.0c 0.0( 0.0( 0.0( 0.0( lsocial Securiw InstitutiorNs 1 65150000500123100 o.o( 0.0( lOther Financial 1 65150000500123200 0.0( 0.0( lJ. lNon-Frnancral 1651500q)500123300 0.0( 0.0( \granan Ketorm / 9ther Agncutturat L@ns 1651 500010001 00ooo 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.o( 0.0( 0.0c \grarian Reform Loans 16s1 smo1005100000 0.0( 0.0( )ther Aqricultural Credit Loans 165150@1010100000 0.0( 0.u 3. I Mrcroenlerprise Loans I 65150002000100000 0.0c 0.0( 0.u 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( o.0( 0.(X 0.0c 0.0( 0.0( 165150q)2005100(n0 o.0{ 0.o( lb. loltEr Micrmlmise I mm 165150(n20101000(n o.o( 0.0( 4.lsmall and Medium Ent€rprise Loans 165150(n25001ofirco 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0c o.(x o.0( 0.0( 0.0( 0.0( 0.0( 0.0( o.0( 1651 5tx)025051(X)o(x) 0.0( 0.0( lo. lMeorum sca|e tsilerDns€ 1651 5@025101000(x) 0.0( 0.0( 16515m03000100(x)0 0.(x 0.0( 6.lLoars to Private Corporations 1 651 50003500160000 0.0( 0.0( 0.0c 0.0( o.0( o.(X 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( a. Financial I 1 65150003500161000 0.0( o.0( lb. lNon-Fimncial I 1 651 50003s00162000 0.o( 0.0( .lLoans to Individuals for Housino Purooses 1 651500040001 00000 0.0( 0.0( 6 -oans to IndivadLlals Primarily for Personal Use Purposes 1651 50004500100000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( a. Credit Card I 1651 5000/1505100000 0.0( 0.0( b. Motor Vehicl€ Loans 1651500q510100000 0.0( 0.0( o.o( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0c 0.0( o.o( 0.0( 0.0( 0.0( 0.0( 0.0( 165150004510171m0 o.o( 0-0{ 16515fin4510172000 0.fi 0.0( 5aEry-EaSeO General-Pufpo6e uonsump0on Loam r6515{Xx)45121(XXnO 0.0( 0.0( d. lumers | | r651 5q)04515100000 0.0( 0.0( e.l Loans to IndMduals lof otrl€r PurDoses r6sl 5m05000r000(n 0.0( 0.0( {on-Residents 16515m@000200000 0.00 0.0( 0.o( o.o( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.(X 0.0( 0.0( 0.0( 0.0c ientral Govemmenuc€ntral Banks 16515000550020m00 o.0( 0.0( 2 Juuic Sec{or Enlitaes 16515000600020m00 0.0c 0.0( 3 -oans lo GorDorations 1651 500065002()0000 0.0c 0.0( 4 -oans to Individuals I 1651 5m070002)0000 0.0( 0.0( IOTAL 1651 50000000000000 0.0( 0.0( 0.0( o.u 0.oc 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( o.u 0.0( 0.0( 0.0(

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

Schedule 11d 2 ol6 Gross Loans and Receivables - Others (At Amortized Cost) Total Amount o Type of Buslness / Industn iE Eo .fie c E gF G: 3 "9 o Account Code ol E6 o a: e ct F at lorrowers / Type of Loan6 aEr =o E 6 $;f FFFEf oo E'F'ss = {dditional Intomation : . uunenl 1401 5001 8505600000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( Past due but not )€t non-performing 1 401 5001 851 0600000 0.0( 0.0c 0.0( 0.0( 0.0( 0.0( 0.0( t. Past due and already non-performing 1 401 5001 851 5600000 0.0( 0.0c 0.0c 0.0( 0.0( 0.0( 0.0( l. ltems in Litiqation 140'150018520600000 0.0( 0.0c 0.0c 0.0( 0.0( 0.0c 0.0( t. Real estate loans under Circular No. 600 1 401 5001 2805600001 0.0( 0.0c 0.0c 0.0( 0.0( 0.0c 0.0( !. Reaf estate exDosures under M -2012-046 14015001 3500700000 0.0( 0.0( 0.0( 0.0c 0.0c 0.0c 0.0(

Schedule lld 3 of 6 Gross Loans and Receivables - Others (At Amortized Cost) Tota! Amount b. Other Aqricultural Credit Loans 8. Loans to Indlviduals for Other 140150004512100000

Schedule 1ld 4ofG Gross Loans and Receivables - Others (At Amortized Cost) Total Amount 5 g Itr so o Type of Business / Industr: ooED .E G5 o ii690 60 -6 EFE $e Account Cods ee.;E b9 6.9 9:E o= u.t > ;ec* CL Po'" 6f EE E e'€ px ;eeBsr So|rowera / Typ6 of Loans EEsE : EE F 6E EO :C) r!E< c6 $fix E**t l. Cunent 140150018505600000 0.0( 0.0c 0.0( 0.0c 0.0( 0.0c 0.0( 0.0c Past due but not )€t non-performing 0.0( 0.0( 0.0( 0.0c 0.0( 0.0c 0.0( 0.0c l. Past due and already non-performing 1401 5001851 5600000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0c 0.0( 0.0( l. ltems in Litiqation 1401 5001 8520600000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( i. Real estate loans under Circular No.600 1401 5001 2805600001 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( i. Reaf estate exoosures under M-2012-0/,6 14015001 3500700000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0(

Schedule lld Sofo Gross Loans and Receivables'Others (At Amortized Gost) Total Amount *iggg;F€Ei

Schedule lld 6 of6 Gross Loans and Receivables - Others (At Amortized Gost) Total Amount Type of Business, Industr! c T =o E5 *Fs PE -9 6 E=s cE.l .Es IE€.e go.!rE d Account Code : a) 60ti e€$ o F 3orrowers / Type of Loans ! uJ FE- 6 FE t€ o EigEEfFEgi iEg't -fio 'TF L 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( !. Past due and already non-performing 1 401 5001 851 5600000 0.0( 0.0( 0.0( 0.0[ 0.0c 0.0( l. ltems in Litigation t401 5001 8s20600000 0.0( 0.0( 0.0( 0.0c 0.0( 0.0( Real estate loans under oircular No. 600 1401 50012805600001 0.0( 0.0( 0.0( o.ot 0.0c 0.0( |. Real estate exposures under M-2012-046 1401 5001 3500700000 0.0( 0.0( 0.0( 0.0t 0.0c 0.0(

Gross Loans and Receivables - Others (At Amortized Gost) Schedule 11dl Peso Accounts I of 6 Account Code gFFE' E'g'sg 1401 500020001 00000 1401 50002500100000 1401 50003500160000 7. Loans to lndividuals for 8. Loans to Individuals for Other

Gross Loans and Receivables - Others (At Amortized Cost) Schedule l{dl Peso Accounts 2of6 6 Po os J ijte e Account Codo ol 0 o gFF SG af gFFE' P E5 c 6 g;gF a c =o . o o E'F'sg ;Eg lddltlonal Infomdlon: 1401 50018505600000 z. Past due but not lret non-performing r4015001 8510600000 t. Past due and already non-performing 1401 5001 851 5600000 LrIrgal|on 1401 5001 8520600000 i. Real estate loans under Circular No. 600 1401 5001 2805600001 i. Real estate exposures under M-201 2-(X6 1401 5001 3500700000

/tunsos l?!.os /uoslnduoc :o3uefao pue uollErls!ulurpv c!lqnd o E ,t o oo tto o .N to E 3o L o E o I o o lt.E o (, o 0t It Fg -= .!o o(, ]o ;< toO oo EO c,o.

Schedule lldl Gross Loans and Receivables - Others (At Amortized Gost) 4ofG Peso Accounts tq E E Type of Business o ttc ro o iltg FE (, Industn t oo ECD E5i EE EFT 9== Ep o= E FA 3et *;s ,€ [{n c -9 Account Code 6F b9 G3 u.t > 6 UrX o: : G g fite lorrowerc / Type of Loans cL ctt o t EE bE EO Ee€ r!E< co pi €EE i3fi EEE E3 "EEgt It u.l Frt EU' E F =C' eo i l. Cunent 1401 50018505600000 Past due but not yet non-performing 1401 50018510600000 t. Past due and alGady non-performing 1401 5001851 5600000 Items in Litioation 1401 50018520600000 i. Real estate loans under Circular No. 600 1401 50012805600001 t, Reaf estate exoosures under M-2O12-0/,6 1 401 5001 3500700000

Gross Loans and Receivables - Others (At Amortized Gost) Schedule lldl Peso Accounts 5ofo Account Code giEegE$Ei 1401 500025101 00000

Gross Loans and Receivables - Others (At Amortized Gost) Schedule 11dl 6ofG Peso Accounts Typo of Buslness cgc EO o IE Industn €o se ;(, fe Eest 6 Account Code 50 EE o 3orrowers / Type of Loans iE t€ o €iFftE*i: gu €E uunenl 14015001 8505600000 o.0( 2. Past due but nol y€t non-performing 14015001 85't0600000 0.0( 3. Past due and already non-performing 14015001 851s600000 0.0( 4. ltems in Litiqation 0.0( 5. Real estate loans under Circular No. 600 1401 5001 2805600001 0.0( B. Real estate exposures under M-201 2-046 't 401 s00t 3s00700000 0.0(

Schedule 11d2 1 of6 Groas Loans and Receivables - Others (At Anortized Cost) For€lgn Rogular Eg !o TE s& o- E€ Borrowerc / Type of Loans =E

Schedule lld2 2ofG Gross Loans and R€celvables - OtheE (At Amodized Costl Foreign Regular g o E G 6 ! o .E o c 8o F o at, $fiEE g*g G -o Et oc 6 .E Type of Buslness / Industr) l!= ct'! 5 ct f o 6 o (9 e t= ?dEs .9 o 6.9 o E;>O g 6= !E e Ee =|l o a5 5 ; Fe€ P o z.n z dF o . ct! I .E tt, g: = o 6: cE c o f;qi EEP E o E E - 0 o E '8 E F .J sE5 E'i o Bonowerc / Type of Loans ln Peso In Peso ln Peso tn Peso ln Peso ln Peso ln Peso ln Peso us$ Eouiv. us$ Eouiv. US$ Eouiv. US$ Eouiv. us$ EOUIV US$ Equiv. us$ Fotriv us$ Eouiv. tnal Infiomatlon: Cunent 1401 50018505600000 Past du6 but not yet non-Derformino 140150018510600000 l. Past due and alr8adv non-oerformino 1401 5001 851 5600000 f. ltems in Lithation 5. Real estate loans under Circular No. 600 1 401 5001 2805600001 b. Real estate exoosures under M-2012446 1401 5001 3500700000

Schedule 1ld2 3of6 Gloss Loans and Recelvables - Others (At Amortized Cost) Forcign Regular Account Code Bonowe.s / Typo of Loana 1. Loans to Govemment

Schedule 11d2 4 of6 Gtoss Loans and Recelvables - Otherr (Al Amortlzed Cost) Forrlgn Regular o t E .9 .g E € trc 6 c CO o=i E -og Es G.-o -to o Type of Buslnoss / Indust4 e o -6 6-s o E EB EEI EE UI; o E Io 6 E! E Eg g €ee 6(,tt3 EE bE o5 o o 6J E!€ g €t a(, o J co o c I EE 6E qo lr!< C 6 a ut fEE Ett {u =o CF af eo E E tu F =c, o o t E; o- o o Bonowors / Typo of Loans ln Peso ln Peso ln Peso ln Peso ln Peso ln Peso tn Peso ln Peso us$ Eouiv. us$ Eouiv. us$ Fnrriv lrsn Eouiv. us$ Eouiv. us$ Eouiv us$ Equiv. us$ Eouiv. l. Cunent 1401 5001 8505600000 Past du€ but not vet non-Derformino Past due and alreadv non-o€rformino 1 401 5001 851 5600000 l. ltems in Litioatbn 1 401 5001 8520600000 i. Realestate loans under Circular No. 600 14015001 2805600001 t. Real estate exposures under M-2012446 14015001 3500700000

Schedule lld2 SofG Grcss Loans and Recelvables - Others (At Amortized Cost) Foreign Regular o g eg 62 .- h o=9E .Eo o' EOC.gE TE t: o: :rodc B€ oE.9 o eoo {ggt }5ED sa sg - 0 0 -! Account Code E6 - O=E E= :_fE5E f s'= i I I o E6 I6 t !o =0 at ! e o c' o. I 5rFu Bonowers , Typ€ of Loans

Schedule 11d2 6of6 Gross Loana and Receivables . Others (At Amortized Cost) Forcign Regular o oc e'g E:i B c o gt TE 'iE Ei Type of Buciness , Industq *E o! G o 0 3! 9oo {est F; to ;85 6 EG ! d E €€ o tEFu EE *EEE .o F =o 4O E o EP <o o EE BorroweE / Type of Loans In Peso tn Peso tn Peso ln Peso ln Peso us$ Eouiv us$ Equiv. us$ Eouiv. us$ Equiv. us$ Eouiv. Addltlonal lnbrmation: l. Cunent 14015001 8505600000 0.0( 2. Past du€ but not Vet non-oerformino 140150018510600000 0.0c 3. Past du€ and alreadv non-oerformino 1401 5001 8515600000 0.0c {. ltems in Litigation 0.0c Real estate loans under Circular No. 600 140150012805600001 0.0c b. Real estat€ exposures under M-2012446 1 401 5001 3500700000 0.0c

Gross Loans and Receivables - Others (At Amortlzed Gost) Schedule 11d3 FCDU'EFCDU I of 6 Account Code Bor"oweF / Typ6 of Loans

Gross Loans and Recehrables - Othors (At Amortlzed Cost) Schedule 1'ld3 2 ol6 FCDU'EFCDU F g o o dr.-E o o o E ,o Typ€ of Buslness ro Es 9o G.= E 5 3a.; -9 69o Indust4 !E ob o o $Es I 3 =>o s d= > E :6 gt J gFFEi e g =6 Es6 C E E F= s t< c =o . o #6E -o (,o E'F'sg o I Boniowerr / Type of Loans tn Peso ln Peso ln Peso ln Peso ln Peso ln Peso ln Peso ln Peso US$ Equiv. us$ Eouiv us$ Eouiv us$ Eouiv. us$ Eouiv. us$ Eouiv. us$ Eouiv. lls!n Eouiv. uurTenl 1401 50018505600000 2. Past due but not yet non-perfiorming 1401 50018510600000 l. Past due and already non-performing 1401 5001851 5600000 0. ltems in Liligation 1401 50018520600000 5. Real estate loans under Circuhr No. 600 1401 50012805600001 i. Reaf estate exposures under M-2012446 '1401 50013500700000

Grcss Loans and Receiyables - OtheB (Al Amortlzed Cost) Schedule 11d3 FCDU/EFCDU 3of6 Account Cod€ Bonowers / Type of Loans 1401500045101 71000 140150004515't 00000 4. Loans to Individuab

Gross Loans and Receivables - Others (At Anortizod Cost) Schedule l1d3 FCDU/EFCDU 4 ofo E g o ttg o EO g .- .g 6 co o iE= oo o t o.5 o Ooo Type of Business o o -6 EF3 g.o E E'E ,EH3.E E 6.9 €$c -E5b: B , Indust4 o o:= 9= -9 o-9 ol-\ o of uJ> oE= 6 I gt EE .iE6 lu( -E GO p< OE;: o'= EEi -!E 6= -^ EH= O I o = E OE = =o E o EE€ EI H' uJ Bonowers / Type of Loans :(J o F E' () ln Peso ln Peso ln Peso tn Peso tn Peso ln Peso ln Peso ln Peso us$ Forriv US !R Eouiv. US$ Equiv. us$ Eouiv. us$ Fnrriv us$ Eouiv US$ Eouiv. us$ Fdiliv 4ddltlonal hfomatlon: l. Curent 1401 50018505600000 L Past due but not yet non-performing I 4015001851 0600000 t. Past due and already non-p€rforming 1 401 5001 851 5600000 r. |Iems n Lmgaflon 1401 5001 8520600000 i. Real €state loans under Circular No. 600 1401 50012805600001 i. Real estate exposures under M-2012{46 1 401 500 1 3500700000

E|' e8n uno Jor sploqesnoH Jo seBt^ll3v 6u!JnpoJd PelB!lueJejr!pun pue sJololdulS 3e sploqesnoH lo 3e!l!^!lcv oo o o q E o .! E I I ID t o go a6 6o o E E g 6- P6 o(, 9r Jul xo .E() g,|l

Gross Loans and Recelvables - Others (At Amortlzed Cost) Schedule 11d3 FCDU/EFCDU 6ofG E E GI E o iE ia Type of Bueiness €:9 "9 E 9o c-9 lndustq :>= iEi o I o o= .o .2 H*Et Account Godo Eoa, e. o9 o o o< eut E s< fEFEEFE' fEEH o F ct t o - I t o 6g <o Borrowere / Type of Loans ln Peso ln Peso ln Peso tn Peso ln Peso lsc Equiv. us$ Eouiv. US$ Eouiv. US$ Equiv. us$ Equiv. qdditional Info]mailon: l. Cunent 1401 50018505600000 0.0( Past due but not yet non-perficrming 1401 5001 851 0600000 0.0( t, Past due and already non-performing 1401 5001851 5600000 0.0( r, rrems n L[Eaflon 1401 50018520600000 0.0( Real estate loans under Ckcular No. 600 1401 5001 2805600001 0.0( t. Real estate exposures under M-2012446 1401 5001 3500700000 0.0(

Schedule 11d4 Gross Lo.n! end Receivabl63 - Others (At Amortlzod Co3t) 1of 6 Forcign Oficeg Borowm / Type of Loans

Schedule 1ld4 Gtoss Loans and Receiyablas . Others (At Amortiz.d Cost) 2 ol6 Forelgn Offi6s iE I Eg TtD. of BBlno.s 9o c 3*s a! ts a c o Indui|n : :.-g 5EE 6.= ots .sF t Fg €i OE c Eii E:E Account Code g i,: ct EOO Eg ET I'g'gg C <l; =o -o 5;!F ;a c (t0 !8" Borowm / Type of Loans ln Peso ln Psso In Peso tn ts33O tn Psso ln Peso tn Peso tn Peso us$ Eouiv. uss ilsR Eouiv us$ Equiv. us$ Eouiv. us$ Fnrriw ltRt Eouiv. US$ Eouiv l. Current Past dus but not !€t non-porfoming t. Past due and already mn-perfoming 140150018515600000 L ltems in Litigation Real estate loans under Circular No. 600 1401 50012605600001 t. Real estate exposurss under M-2012-046 1401 5001 3500700000

Schedule 1'ld4 Gross Loans and Receivablos . Othors (At Amortized Cost) 3of6 Forelgn Ofices Bonowg6 / Type of Loan3

Schedule tld4 Gross Loan3 .nd Rocoiyablos - Olhors (At Amortized Cost) 4ofo Forolgn Oficas ! c ! ! EO i c -lE 6C> gF r E aE Type of Busines Industn c oo E o EF3 o 5.9 c 6E €et .4,69 .,E!?a E -9 =o b9 o : =E cF EEE *qi EEi F;q G Account Code eo c E o E :- r!<g o e.< o,=: i3E :- t5 it d.=-= EA :FF=A ! u !, F BorowaB , Typo of Loang tn Peso tn P6so ln Peso ln Peso tn Peso ln Paso ln P€so tn Psso us$ us$ Fnlriv us$ us5 Fd0iv us$ us$ Eouiv. us$ US$ Eouiv. l. Curent 2. Pst due but nol lr€t nonferfoming t. Past due and already nonfortoming 14015{p1 651 56q)Oq) l. ltems in Litioation t. Real state loans undar Circular No. 600 t. Real sstate ercsures under M-2012{46

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 Gro33 Loans and Rocolv.blo. - Olhffi (At Amoruz.d Co3t) 6oto Forolgn Ofrcar ! c c iE Typs of EuCnos. lndustn t3! E=E .9 g i: 3; E6 HEi r gEEE Account Codo cos . o< ea E ! c 5< o iiFggEii; EFi EO o Borowors / Typo of Loena t i5 tn Poso ln Paso tn Peso ln Peso tn )oso Equiv us$ Eauiv, us$ Fdriv us$ Fd"iv ust Eouiv. us$ Cursnl 0.0( 1401500165106q)000 0.(x Past dus and aksady nonf€rfoming 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 1 401 5001 3500700000 0.0(

Schedulo lle Pago 1 of2 Loans and Receiyables . Others Classlfled as to Status Per PAS 39 Total Amount (For Annual Submlsslon) Carrying amount of unlmpairad Carrying amount of past du6 a$ot3 boforo allowanco ior credit lossa a83et3 beforc allowance for credlt loasea > 3ll days 40 days >90day3 i180days >l8odays <lyoal Primarily for Personal Use Purposes

Schedule 1le Page2 d 2 Loans and Recelyables - O'therE Classified as to Status Per PAS 39 Total Amount (For Annual Submlssion) Carrying amount of the impaircd SpecifiG allowancos for Specific allowanc$ for Collator.l and other cr€dit Particulars Account Code enhancemnta recaived r. Total loaseB aaseta socurity for tho rulated lmp.ircd a3aota and past due a$ots 401 500000001 00000 0.0c 0.0( 0.0( 0.0( 0.0( 1401 50000500120000 0.0( 0.0( 0.0( 0.0( 0.0( r401 50000500't21000 0.0( 0.0( 0.0( 0.0( 0.0( r401 500005001 22000 0.0( 0,0( 0.0( 0.0( 0.0r 1 401 500005001 23000 0.0( 0.0( 0.0( 0.0( 0.0( 500005001 231 00 0.0( 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( 1401 500010001 00000 0.0( 0.0( 0.0( 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( 0.0( 1401 50002000100000 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( 50002500100000 0.0( 0.0( 0.0( 0.0( 0.0( '1401 500025051 00000 0.0( 0.0c 0.0( 0.0( 0.0( 1401 5000251 01 00000 0.0( 0.0( 0.0( 0.0( 0.0( r401 50003000100000 0.0( 0.0( 0.0( 0.0( 0.0( r401 50003500't 60000 0.0( 0.0( 0.0( 0.0( 0.0( 1401 500035001 61 000 0.0( 0.0( 0.0( 0.0( 0.0( 1401 50003500 1 62000 0.0( 0.0( 0.0( 0.0( 0.0( 1401 500040001 00000 0.0( 0.0( 0.0( 0.0( 0,0( 401500045001 00000 0.0( 0.0( 0.0( 0.0( 0.0( 401 500u45051 00000 0.0( 0.0( 0.0{ 0.0( 0.0( 401 5000451 0100000 0.0c 0.0( 0.0( 0.0( 0.0( 401500045 101 71000 0.0( 0.0( 0.0( 0.0( 0.0( 140150004510t72000 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 0.0( 1 401 50000000200000 0.0( 0.0( 0.0( 0.0( 0.0( l.lCentral Governmenucentrat Banks 140150005500200000 0.0( 0.0( 0.0( 0.0( 2.lPublic Sector Entities 0.0( 140150006000200000 0.0( 0.0( 0.0( 0.0( 0.0( 3.lLoans to Corporations 1401 50006500200000 0.0( 0.0( 0.0( 0.0( 0.0( 4.lLoans to Individuals 1401 50007000200000 0.0( 0.0( 0.0( 0.0( 0.0( rorAll 1 40150000000000000 0.0( 0.0( 0.0c 0.0( 0.0(

Schedule 11el Loans and Recelvables - Others Page t of 2 Classlfied as to Status per pAS 39 Peso Accounts (For Annual Submission) Carrying afiiount ot unimpai.€d Carrylng amount of past duo assots boforo allowanco for cndit losseg Particulars Account Code loases <0 Days > 30 days 40 days >90day3 <180days > 1E0 days <1 ysar > I yoar r33ident3 | || 0.0( 0.0( lLoans to Govemment 0.0( 0.0( 0.0( 1401 500005001 20000 {atronal Government 0.0( 0,0( 0.0( 0.0( 1401 500005001 21 000 0.0( .GUs 1401500005001 22000 140 1 500005001 23000 0.0( 0.0( 0.0( 0.0( 1401500005001 231 00 0.0( 1401 500005001 23200 YOn-Frnanctal 't401 500005001 23300 qqrarian Reform Loans 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( I 401 500010051 00000 Jther Agricultural Credit Loans 1401 50001 01 0100000 140'1 500020001 00000 0.0c 0.0( 0.0( 0.0( 0.0( 0.0( 4 1401 500025001 00000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( Conlracts to setl 0.0( 0.0( Inanciat I 0.0( 0.0( 0.0( 0.0( 1401 500035001 62000 1 401 500040001 00000 E -oans lo Individuals primarily for personat UseFuroos6 1401 500045001 00000 0.0( 0.0( 0.0( 0.0( 0.0c 1 401 500045051 00000 0,0c 0.0( 0.0( 0.0( 0.0( 0.0( 1 401 50000000200000 0.0( 0.0( 0.0c 1 0.0( 0.0( 0.0( 1401 50005500200000 2. -oans to Coroorations 140150006500200000 Individuals 1 401 50007000200000 urALl o.ool 0.0( o.o0l 0.0t

Schedule llel Page 2 ol 2 Loans and Receivables - Others Classlfled as to Status Per PAS 39 Peso Accounts (For Annual Submlssion) Carylng rmount of the lmpalrGd Spocific allowances for Collatoral and othar cr€dll Sp€clllc allowancos tor Partcular3 Account Code coilgflY3ry Total loaaes security tor tho rclatod lmp.lrad a330t3 aa3eta and past due aslgt3 1401 500000001 00000 0.0c 0.0( 0.0( 0.0( 0.0( 1401 500005001 20000 0.0c 0.0( 0.0( 0.0( 0.0( 1401 500005001 21 000 0.0( 1401500005001 22000 0.0( 1401 500005001 23000 0.00 0.0( 0.0( 0.0( 0.0( 1401 500005001 231 00 0.0( 1401500005001 23200 0.0( 1401500005001 23300 0.0( 1401 50001 0001 00000 0.00 0.0( 0.0( 0.0( 0.0( 1401 50001 0051 00000 0.0( 1401 5000't 01 01 00000 0.0c 1 401500020001 00000 0.00 0.0( 0.0( 0.0( 0.0( 1401 50002005't00000 0.0( 0.0( 140150002500100000 0.00 0.0( 0.0( 0.0( 0.0( r40150002505100000 0.0( 1401 50002510100000 0.0( 1401 500030001 00000 0.0( '1401 500035001 60000 0.0( 0.0( 0.0( o.0( 1401 500035001 61 000 0.0( r. lNon-Financial 1 401 500035001 62000 0.0( 7 -oans to Individuals for Housing Purposes 1 40150004000100000 0.0( -oans to Individuals Primarily for Personal Use Purposes 1401 500045001 00000 0.0( 0.0( 0.0( 0.0( jfedrt card I 0.0( 401500045051 00000 0.0( {olor Vehicle Loans 40150004510't00000 0.0( 0.0( 0.0( 0.0( 0.0( Auto Loans 401 500045101 7't 000 0.0r Motorcycle Loans 401500045 101 72000 0.0( tarary-Based GeneraFPurpose consumption Loans r401 5000451 21 00000 o.0( )thers I 14015000451 5100000 0.0( 9 -oans to Individuals for Other Purooses 1401 50005000100000 0.0( ton-Residents 401 50000000200000 0.0( 1 0.0( 0.0( 0.0( 0.0( lentral Governmenucentral Banks r401 50005500200000 4.lloans to Individuals I 1 401 50007000200000 0.0( rvr^Lt | | | r401 50000000000000 0.001 0.0( 0.0( 0.0( 0.0(

Schedule'lle2 Page I of 3 Loans and Recelvables - Others Classified as to Status Per PAS 39 Forelgn Regular (For Annual Submission) Carrylng emount of past due assets bofore allowance f( Carrying amount ot unlmpair6d assets before allowance for credit lostet > 30 days 40 days > 90 days <180 days

Schedule 11e2 Loans and Recelvables - Others Classified as to Status Per PAS 39 Forelgn Regular (For Annual Submission) r credit lossos Carrying amount of the impaired Particulara assets before allowance for credit Account Codo > 180 days <l year > t year assessed financial assets losses InUS$ Peso Equiv. InUS$ Peso Equiv. InUSg Peso Equiv InUSt Peso Eouiv. tesidonts I 1401s(x)00000r00000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 1. -oans to Govemment 140150m0500120(n0 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( \ational Govemment 1401500005m121(x)0 -GUs 1401 50000500 r 22000 3OCCq 140150000500123000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.q 0.0( '1. Jsocial Security Institutions 1401500005001231 00 lOther Financial 140150000500123200 lNon-Financial 140150000500123300 \grarian Reform / Oth6r Agricultural Loans 140150001 0001 00000 0.0( 0.0( 0.0c 0.0( 0.0( 0.0( 0.0( 0.0( \granan Relofm Loans 140150001 0051 00000 fther Agricultural Credit Loans 1401 5000'10101 00000 3. i,licroenterprise Loans r40r50@2000100000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( Micronnance Loans 1401500020051 00000 Oth€r Microenterprise Loans 140r500020101 (xxDo 4 tmall and Medlum EnteQrise Loans 1401500025001 00fi)0 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( imall Scale Enterprises 14015m02505100000 vledium Scale Enterprise 140150002510100000 i.;ontracts to Sell 140150003000100000 -oarE to Private Coroorations 140150003500160000 0.0( 0.0( 0.0( 0.tr 0.0( 0.0( 0.0c 0.0( a. ;rnancial 140150003500161 000 {on-Financial 140150003500162000 7 -oans to Individuals for Housino Purposes 't401500040001 00000 E -oans to Individuals Primarily for Personal Use Purposes 1401500045001 00000 0.0( 0.0( 0.tr 0.0c 0.0( 0.0( 0.0( 0.0( t. lredit Card I 14015m045051000(n vlotor Vehacle Loans 14015m045101000(n 0.0c 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( Auto Loar|s 1/10150004510171m0 MOIqCIEe LGnS 140150004510172(n0 ialary-Based General-Purpose Consumption Loarts 1401s0004512't 00000 )thers I 14015m04515100000 q -oans to Indavaduals for Other Purposes 1401 500050001000(n rOTAL 1401 50000000000000 o.ool o.ool 0.001 o ool o.ool o.ool 0.ool 0.0€

Schedule lle2 Loans and Recelvables - (Xhers Classlfled as to Status Per PAS 39 Forelgn Regular (For Annual Submlsslon) uotr4erar anq olnSr ct€o|l Specifl c allowances for collectlvely Bnhancamsnla recolved a3 security for Totel Padlcularr Account Code asso3sod flnanclal as3ot3 the relatod lmpalr€d and past due a33et3 InUS$ Peso Equlv InUS3 Pelo Eoulv. InUSI Pe3o Equiv. lesldents 140150000@0100@0 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( -oans to Govemm€nl 140150000500120m0 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( \,lational Govemmenl 14015(rc(n500121000 0.0( 0.0( -GUS l/O15(xn05m122m0 0.0( 0.0( 140150000500123000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 1. lsocial Security Institutiofts 140150000500123100 0.0( 0.0( Other Fanancial 1401s0000500123200 0.0( 0.0( NorFFinancial 1401500(n5q)1233(n 0.0( 0.0c 2 \grarian Reform / Other Aqricuftural Loans 1401 50001000100(n0 0.0( 0.0( 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( 3 vlicaoenteerise Loans r40r500020@100@0 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( Microlinance Loans 140 50002005100000 0.0( 0.0( Other Micro€nterprise LoarE 140 5q)o20101m(rco 0.0( 0.0( 4 imall and Medium Entorprbe Loans 140 s0002500100000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( lmall Scale Enterprises 140 s0002505100000 0.0( 0.0( ril€dium :icale EnterDfise 140150(n25101(Xxrc0 0.0( 0.0( 5 ;ontracts to S€ll 1401500030001(Xmo 0.0( 0.0( o -oam to Private CorDorations 1401 50003500160000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( l. -inancial 1401 50003500161000 0.0( 0.0( {on-Financial 140150003500162000 0.0( 0.0( 7 -oans to IndMduals lor Ho6im PumGes 140150@100010(m0 0.0( 0.0( E -oans to hdividuals Primarily for Personal Use Purpc€s 1401500q5001(XxDo 0.0( 0.0( 0.0( 0.0c 0.0( 0.0( t. )redit Card I 140150004505100m0 0.0( 0.0( ,lotor vehide Loans 1401 50004510100000 0.0c 0.0( 0.0( 0.0c 0.0( 0.0r ArJto Loans 140150004510171m0 0.0( 0.0( Mqqoy'cE LOaGi 140150004510172000 0.0( 0.0( ialary-Bas€d General-Purpose Consumption Loans 140150095121000q) 0.0( 0.0( )ttters I r401 5000451 5100000 0.0( 0.0( 9 -oans to Individuals for Other Purpoc€s 1401 50005(n0100000 0.0( 0.0( rOTAL 1r101 50000000000000 0.001 o.ool 0.001 0.001 0.0( 0.0(

Schedule lle3 Pago 1 of 3 Loans and Receivables - Others Glasslfied as to Status Per PAS 39 FCDU/EFCDU (For Annual Submlssion) Carrylng amount of unimpalred a3set3 Carylng amount ot paat due a3sets bofore allowance fr before allowance for credit logaes > 30 days 40 days >godays i180dayg

Schedule 11e3 Loans and Recelvables - Others Classifled as to Status Per PAS 39 FCDU/EFCDU (For Annual Submisslon) r credlt lo3ses Carrying amount of the impaired Specif ic allowances for individuallv Paaticulars Account Code assessed financial assets > 180 days <1 year > I trear losses InUS3 Peso Eoulv InUS9 PeBo Equiv. InUS$ Poso Equlv. InUSt Peso Eoulv. Residente I 140150000000100000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( -oans to Gov€rnmenl 1401 50000500120000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( ,. {atronal Government 1401 50000500121000 .GUs r401 50000500122000 140150000500'123000 0.0c 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( I iocial S€curity Institutions r401500m500123100 )th€r Financial 1401 50000500123200 3. lNon-FinarEial 1/1015qn0500123300 Agrarian R€form / Other Agricultural Loans 140150001m0100000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0t a. \grarian Reform Loans 1401 50001005100000 Jther Agricultural Credit Loans 1401 50001010100000 \4icroent€rprise Loans 140150002000100000 0.0( 0.0c 0.0( 0.ff 0.0( 0.0( 0.0( 0.0( ,. Microfinance LoarE 140150002005100000 Other Micro€nterDrise Loans 1401 5q)O2010100000 4. jmall and Medium EnterDrise Loans 1401500025001@m0 0.0( 0.0( 0.0( 0.0{ 0.0( 0.0( 0.0( 0.0c imall Scale Enterprises 140150002505100000 Medium Scal€ Enterorise 140150002510100000 5. lontracts to Sell 1401 50003000100000 0 -oans to Private Corporations t401 50003500160000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( Financial 14015fi)03500161000 Non-Finarrial 140'150q8500162000 -oans to Individuals for Ho6ing Purpoces 14015(n04000100000 I -oans to Indivaduals Primarily fof Personal Use Purposes 1401500s500100000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( ,. lredit Card I 1401 500(xs05100000 Vlotor Vehicle Loans 1401 5000451 01 00000 0.0( 0.00 0.0c 0.0( 0.0( 0.0c 0.0( 0.0( Auto Loans 1401500045101 71000 Motorcyrle Loans 1401500045101 72000 talary-Bas€d General-Purpose Consumption LoarE 140'r5fiXX512100000 Itters I 140150(n451 5't00000 9. -oans to Individuals for Other Purpooes 140150005fi)0100000 [on-Residents 14015(n0(n00200000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 1 ientral Govemmenucentral Banks 1401 50005500200000 z. rublic Sector Entities 1401 50006000200000 3 -oans to Corporations 140150006s00200000 4.lLoans to Individuals 140150007000200000 ALllll 140150m0000000000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0(

Schedulo lle3 Loans and Receivables - Others Classifled as to Status Per PAS 39 FCDU/EFCDU (For Annual Submission) Collateral and othor credit Partlculars Account Cod6 assessed flnancial assets Total the relatod impalred and past due aaaota InUSS Peso Eouiv. InUSI Poco Equiv. InUS$ Pe3o Equiv. te3identr I 1401500(n000100000 0.0( 0.0( 0.0( 0.0( 0.c( 0.0( 1 -oans to Govemment 140150000500120000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( \ational Government 140 150000500121000 0.0( 0.0( -GUs t401 500005001 22000 0.0( 0.0( 140150000500123000 0.0( 0.0( 0.0( 0.0( 0.0( lr. lsocrar s€cunty rltsmtno|ls 0.0( 0.0c 23?oO 0.0( 0.0( 140150000500123300 0.0( 0.0( ranan Ketqm / uther Agncutturat L@ns 140150001 000100000 0.00 I 0.0c 0.0( 0.0( 0.0( \granan R€lofm Loans 140150001 0051 00000 0.0( 0.0( )ther Agricultural Credit Loans 1401 50001 0101 00000 0.0( 0.0( Vlicro€nterprise Loans 140150002000100000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( r. Microfinance Loans 1401500020051 00000 0.0( 0.0( OttEr Miso€nterpdse Loans 1401500020101 00000 0.0( 0.0( 4 Small and Medium Enterprise Loans 14015@02500100000 0.0c 0.0( 0.0( 0.0( 0.0( 0.0( imall Scale Entemrises 140150002505100000 0.0( 0.0( ,ledium Scale Enterprise 140150002510 100000 0.0( 0.0( lontracts to Sell 1401500030001 00000 0.0( 0.0( 6 -oans to Private CoDorations 1401500035001 60000 0.0( 0.0( 0.0( 0,0( 0.0( 0.0( l. =inancial 140 t50003500161000 0.0( 0.0( \|on-Financial 1401500039)0162000 0.0( 0.0( -oans to Individuals for Housing Purpoces 140150(XX000100000 0.0( 0.0( 8. Loans to Individuals Primarily for P€rsonal Use Purposes 1401 500045001 00000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( lredit Card I 140150004505100000 0.0( 0.0( b. Vlotor Vehicle Loans 140150004510100000 0.0( 0.0c 0.0( 0.0( 0.0c 0.0( Auto LoarF 140'1sfiXXs10171000 0.0c 0.0( Motorcycle Loans 1401500045101 72000 0.0( 0.tr jalary-Based GeneraFPurpose CorEumptim Loans 1401500(X51210fin0 0.0( 0.0( )thers I 140150m4515100000 0.0( 0.0( 9 -oans to hdividuals for Otlrer Purooses 1401 5000s0001 00000 0.0( 0.0( {on-Residonts 140150000000200000 0.0( 0.tr 0.0( 0.0( 0.0( 0.0( lentral GovemmenUcentral Banks 14015000550020qD0 0.0( 0.0( 2 'uuic S€ctor Entities 'r40150006000200000 0.0( 0.0c 3 -oans to Corporations 1401500065m20qn0 0.0( 0.0c 4. -oa]rs to Individr,Eils 14015000700020fln0 0.00 0.0( IUIAL 140150000000000000 0.0( 0.0( 0.0c 0.0( 0.0( 0.0(

Schedule 1te4 Page I of 3 Loans and Receivables - Others Classifled as to Status Per PAS 39 Foreign Offices (For Annual Submlsslon) Carrying amount of unimpaired Carrying amount of past due assets before allowano asseb before allowance for credlt lossog > 30 days 40 days > 90 days <180 days

Schedule 11e{ Loans and Recelvables - Others Classlfied as to Status Per PAS 39 Foreign Offices (For Annual Submlsslon) for credit losses Carrying amount of the impaired Specific allowances for Partlcula13 Account Code > 180 days <1 yoar > I year losses assets lnUS3 Peso Equlv. InUS$ Peso Equiv InUS$ Peso Equiv. InUS$ Poso Equlv. tesldents I 1lm150(nqn01mo(n 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 1 -oans to Govemment 1.101500005001ru000 0.0{ 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( l. National Govemment 14015m00500121000 LGUs 140150000500122000 GOCCI 140150000500123000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0c 1. lsocial Security Institutions 1401500005001 23100 fthor Financial 1401s0000500123200 3. {on-Financial 1401 50000500123300 2. \granan Relorm / Oth€r Agricultural Loans 140150001000r00000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( {grarian Reform Loans 140150001 005100000 f,ther Agricultural Credit Loans 140150(n10't010(XD0 vlicroenterprise Loans 140 r50002m0100000 0.0( 0.0( 0.0( 0.fi 0.0( 0.0( 0.0( 0.0( Microfinance Loans 140150q)2005100000 Other Micro€nterprise Loans 14015000201010(xrc0 imall and Medium Enterprise Loans 1401500025001m000 0.0( 0.0( 0.0c 0.0( 0.0( 0.0( 0.0( 0.0( imall Scale EnterDris€s 1401sm02505100000 tledium Scale Enterorise 14015000251 01 00000 lontracts to Sell 1401500030001 00000 -oans to Private Corporations 1401 50003500160000 0.0c 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( :inancial 1401 50003500161000 {on-Financial 140150003500162000 -oans to Individuals for Housing Purposes 1401500040001 00000 E -oar}S to Individuals Primarily for Personal Use Purpo6es 140150qX5001 00000 0.0( 0.0( 0.0( 0.0c 0.0( 0.0( 0.0( 0.0( t. )redit Card I 1lnr5009505100000 vlotor Vehicle Loans 1/t01500(X5101(Xxno 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0c 0.0( Auto Loans 140150004510171m0 MOIOTct/Oe LOanS 140150095'10't72000 Salary-Based GeneraFPurpooe CorFumption Lo€ns 1ln150004512100000 Jthers I 140150004515100000 9 -oans to Individuals for Oth€r Purposes 140150005000100000 Non-Residents 140150000000200000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( lenfal Govemmenucentral Banks 14015000s500200000 2. )ublic S€ctor Entitie€ 140150006000200000 ? -oam to Coroorations 140150006500200000 4 -oans to Individuals r401 50007000200000 rOTAL 1/10150000000000000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0(

Schedule l1e4 Loans and Receivables - Others Classified as to Status Per PAS 39 Foreign Offlces (For Annual Submlssion) Collateral and other crodit enhancamentg Spocifi c allowancoa for collec-tlvely recelved as security for the related Total Particulars Account Code assessod flnanclal assets impaired and past due ass6t3 InUS$ Poso EouiY. InUS$ Peso EqulY InUSI Peso Eouiv. tosidents I 1401 500000001 00000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 1. Loans to Govemment 140150000500120000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( a. {ational Govemment 1401 50000500121000 0.0( 0.0( -GUs 1401 50000500122000 0.0( 0.0( Lj()ccq 140150000500123000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( iocial S€curity Institutions 1401500005001 23100 0.0( 0.0( 2. )ther Financial 140150000500123200 0.0( 0.0( J. lNon-Financaal 140150000500123300 0.0( 0.0( rarian Reform / Other Agdcultural Loans 1r1015000100010(xn0 0.0( 0.0( 0.0( 0.0( 0.q 0.0( t. \grarian Reform Loans 140150001005100000 0.0( 0.0( Cther Agriculh*al Credit Loans 140150001 010100(n0 0.0( 0.0c 3 tticroenterDrise Loans 140150002000100000 0.0( 0.0( 0.0c 0.0( 0.0( 0.0( MErofinanc€ Loans 140150002005100000 0.0( 0.0( ). Other Microenterprise Loans 1r10150002010100000 0.0( 0.0( 4 Small and Medium EnterDrise Loans 1r10150m2500100000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( imall Scale Enterprises 1401 50m2505100000 0.0( 0.0( Uedium Scale Enterprise 1401 s0002510100000 0.0( 0.0( E -;ontracts to s€ll 140150003{D010(Xrc0 0.0( 0.0( 6 -oarF to Private Corporations 1401500035001 60000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( :inancial r401500035001 61000 0.0( 0.0( \on-Financial 1401500035001 62000 0.0( 0.0( 7. -oans to Individuals for Housing Purpooes 140150004000100000 0.0( 0.0( 8 -oans to Individuals Primanly lor P€rsonal use Purposes 140150004500100000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( ;redit Gard I 140150004505100000 0.0( 0.0( vlotor Vehicle Loans 140150004510100000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 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( 0.0( )hers I 14015000451 5100000 0.0( 0.0( o .oans lo Individuals for Oth€r Purpos€s 1401500050001(Xrc00 0.0( 0.0( {on-Residents 1,1015000000020(nn 0.0( 0.0c 0.0( 0.0( 0.0( 0.0( ientral Govemmenucenlral Banks 1401500055(n20(n00 0.0( 0.0( ,uuic Sector Entiti€G 1401500060m20firc0 0.0( 0.0( .oans to Corporations 140150006500200m0 0.0( 0.0( 4 -oans to lndivaduals 140150007m0200000 0.0( 0.0( vtru 1/1015000000o0m0m 0.0( 0.0( 0.0( 0.0( 0.0( 0.0(

Schedule 1 t hl MOVEIIEI{TS lN NOI{.PERFORMING LOANS (NPLs) rr By Economlc Actlvity Reasons for the Decllne in NPLS Closlng Nowly Roclassificatlon/Transfer to Other Opening Balance AdJustments Particulars Account Code Balanc6 Collections/ Wrlle- Restructurcd Loans Sale to NPL Performlng Additions/ Payments Otrs Not Considered NPL sPv ROPA Status I (Deductions) j=atb- (sum of c to a b c d e (t h h)+i rOTAL 14000001 E51 2000000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( -oana and Recelvables{the6, Rosldents t4015(x)185121 oqDO 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.c( 0.0( 0.0c [. :ot Ptoductlon, by Economlc Actiylttr 14015(x)185121(xDO1 0.0( 0.0( 0.0( 0.0{ 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( \griculture, Forestry and Fishing 1401stru185 2100101 0.0( Vlining and Quanyng 1401500185 2100201 0.0( Vlanufacturing 14015001E5 2100301 0.0( Gas, Steam and Air-Conditioning Supply 1401500165 210(X01 =lectricaty, 0.0( ,vater supply, Sewerage, Waste management and Remediation Aciivities 14015(X)185 21U)501 0.0( :;onstruction 14015q)1 E512100601 0.0( ivholesale and Reiail Trade, Repair of Motor Vehicles, Motorcycles 14015001E5 t2100701 0.0( 3. \ccommodation and Food Service Activities 401500165121 00E01 0.0( ,. transportalion artr Storage 4015001E5121off 01 0.0( 10 nfomation and Communication 401500 tE512101001 0.0( :inancial and Insurance Activitios 4015(x)1651210 t01 0.0( l2 teal Estale Activities 4015001651210 201 0.0( t3 ,rofessional. Scientific and Technical Activities /+015001E5121 01 30l 0.0( 14 \dministrative and Support Seruice Activities 1401s001E512101401 0.0( t5. Public Administration and Defense; Compdsory Social Security 14015001 651 2101 501 0.0( t6. :ducation 14015001E5 l2101601 0.0( luman Health and SocialWort Activities 14015001E5 l2101701 0.0( tE. {rts, Enterlainment and R€creation 14015(n1E512101801 0.0( t9. Cther Service Activities 14015001E5121 01 901 0.0( 20. \clivities of Households as Emplo)€rs and Undiffer€ntiated Goods-and-Services- 1/to15(x)1E512102001 rroducing Activities of Households for Om Use 0.0( qdivities of bdra-Territorial Organizations and Bodies 3. :or Houa€hold Consumption r4015(X)1E512100002 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( -oarF to Individuals Primarily for Personal Use Purposes r401 5001E5121 00102 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( t. lredit Card Receivables 1401ffi18512100112 0.0( \totor Vehiclg Loans 14o1ffi1&51210o122 o.u 0.0( 0.0( 0.0c 0.0( 0.0( 0.0( 0.0( 0.0( 0.0c 1. Auto Loars 1401fi01a512110122 0.0( 2. Motorc)rcle Loans 140150018512120122 0.0c jalary-Based General-Purpose Consumption Loans 140150018512100142 0.0c )thers r4015001E5121001 32 0.0c -oana and Receivables-Others, Non-R$ldents 14015001E512200000 0.0c nterDank Loan3 Receivables 14015(x)18512(Xno(x) 0.0( -oana and Recelvables Ari6ing from RA, CA,PR and SLB Transactions 1402m018512000000 0.0( 1/ Gross NPLs as defined under Circular No. 772 dated 16 October 2012 2 Relers to toans which have been rsstructured but meet

Schedule 1'1h2 Page 'l of 1 AGING OF NON-PERFORIIING LOANS (NPLs| It By Economic Activity Aqinq of NPLs from Date of Reclaasificallon > I year > 2 years > 3 yearg > 4 years > 5 years > 0 years > 7 years > 8 yoars > 9 yoar3 Total <'l yoar but <2 but <3 but 3l but <5 but <8 but <7 but <8 but <9 but <10 > 10 years Amount Partlculars Account Code vea.3 vgara veara vearS vearS vearS veaB a b c o e f n k =sumof€ s i tok rOTAL 14000001851 2000000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( -oan3 and ReceiyablesOthe6, Resldents 1401 5001 8512100000 0.0( 0.0( 0.0( 0.0( 0.0( o.u 0.(x 0.0( 0.0( 0.0( 0.0( 0.0( \, :or Produc{ion, by Economac Acllvlty 14015@18512100001 u.u 0.0( o.u 0.(X o.0( 0.0( 0.0( 0.0( 0.0( 0.u( 0.0( 0.0( 1. \griculture, Forestry and Fishing 14015(x)1 E5121 001 01 0.0c vlining and Quanyrng 1401sfl)l 85121 00201 0.0( t. vlanufacturing r4015tX)1E5121 00301 0.0( :lectricity, Gas, Steam and Air-Conditioning Supply 14015001851 2100401 0.0( /vater supply, Se\ryerage, Waste management and Remediation Activities 14015001851 2100501 0.0( Construction 14015001E512100601 0.0( Wholesale and Retail Trade, Repair of Motor Vehicles, Motorclples 1401 5001 85121 00701 0.0( qccommodation and Food Service Activities 1401 5001 85121 00801 0.0( Transportation and Storage 1401 5001 85121 00901 0.0( to nlormation and Communicalion 140'l 500185121 01001 0.0( 11. Financial ard lnsurance Aciivilies t4015(X)185 t2101 101 0.0( 12. Real Estate Activities 1401500 t8512101201 0.0( t3 rrofessaonal. Scientmc and Technical Activiti€s 1r1015001 8512101 301 0.0( qdministrative and Support Service Activities 111015001 E512101401 0.0( t5 rubl6 Administration and Defense; Compulsory Social Security 14015001 85121 01501 0.0( t6 :ducation 1401 5q)1 E5121 01601 0.0( 7 luman Health and SocialWork Activities 1401 5001 85121 01 701 0.0( t8 \rts. Entertainment and Recreataon 1401 5001 85121 0't 801 0.0( t9 ftt€r Service Activities 140 1s(X)lE512 t01q)l 0.0( l0 \ctrvltes ol Households as Emplo)/ers and undifferentiated Goods-and-services- 1401 5001 85121 02001 )roducing Activities of Households for Own Use 0.0( L :or Household Conoumptlon 1401 5001651 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( 1 -oans lo hdividuals Pnmanly tor Personal use Purposes 140150018512100102 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( l. lredit Card Receivables 1401500165121(X)1 12 0.0( folor Vehicle Loans 1401ffi'18512',100122 0.0( 0.0( 0.0( 0.0( 0.0( o.o( 0.q 0.0( 0.0( 0.0( 0.0( 0.0( . At IO LOanS 1401fi018512110122 0.0( l. Motorc)rcle Loans 1401fiO14512120122 0.0( ialary-Based Gen€ral-Purpose Consumption Loans 1401 500185121 00142 0.0( )thers 1401 5(X)1651 21001 32 0.0( -oans and Receivablesothe6, Non-Reaidenta 1401500185 r2200000 0.0( nterbank Loana Receivables 14015001 8512000000 0.0( Loans and Rocoivables Arising from RA, CA/PR and SLB Transactiong 14020001 8512000000 0.0( t' Gross NPLS as defined under Circular No. 772 dated 16 October 2012

g$c!cE2C! fnt .!.a Incom. trlm Loana and R.crtv.bbt . oth€r| - 1 dl 1 cl6ln.d a to 8t|tu! TotllArnounl a b c d e Particulars Account Codes Past Oue But Not Yet Non- Total Interest Income from Past Due and Already Non- Current Items in Litigation Loans and Receivables- Performing Performing Others lesidontg 505056500000100000 0.0( 0.0( 0.0( 0.0( 0.0( 1. Loans to Govemment 505056500500100000 0.0( 0.0( 0.0( 0.0( 0.0( a. National Govemment 505056500500121000 0.0( 0.0( 0.0( 0.0( 0.0( b. LGUS 505056500500122000 0.0( 0.0( 0.0( 0.0( 0.0( c. GOCCs 505056500500123000 0.0( 0.0( 0.0( 0.0( 0.0( 1. Social Seoritv Institutions 505056500500123100 0.0( 0.0( 0.0( 0.0( 0.0( z. L[r€rFnanctal 505056500500123200 0.0( 0.0( 0.0( 0.0( 0.0( 3. Non-Financial 505056500500123300 0.0( 0.0( 0.0( 0.0( 0.0( 2. Aqrarian Reform / Other Aoricultural Loans 505056501000100000 0.0( 0.0( 0.0( 0.0( 0.0( a. Aorarian Reform Loars 505056501005100000 0.0( 0.0( 0.0( 0.0( 0.0( b. O'ther Agricultural Credit Loans 505056501010100000 0.0( 0.0( 0.0( 0.0( 0.0( 3. Microenterpris€ LoarE 50s0565020@1000q) 0.0( 0.0c 0.0( 0.0( 0-0( a. Microfinance Loans 505056502n5100000 0.0( 0.0c 0.0( 0.0( 0.0( b. Olher Micro€nt€rprise Loans 505056502010100000 0.0( 0.0( 0.0( 0.0( 0.0( 4. Small and Medium EnterDrise Loans 505056502500100000 0.0( 0.0( 0.0( 0.0( 0.0( a. Small Scale Enterorises 505056502505100000 0.0( 0.0( 0.0( 0.0( 0.0( b. Medium Scale EnterDrise 50505650251 01 00000 0.0( 0.0( 0.0( 0.0( 0.0( 5. Contracts to Sell s0s0s6503u)olo00q) 0.0( 0.0( 0.0( 0.0( 0.0( 6. Loans to Private Cormatim 505056503500100000 0.0( 0.0( 0.(X 0.0( 0.0( a. Financial s05056503500101m0 0.0( 0.0( 0.(x 0.0( 0.0( b. Non-Financial 505056503500102m0 0.0( 0.0( 0.0( 0.0( 0.0( 7. Loans to Individuals for Housinq PurDoses 5050565040001 00000 0.0( 0.0( 0.0( 0.0( 0.0( E. Loans to hdividuals Pnmarily for Personal use Purposes 505056504500100000 0.0( 0.0( 0.0( 0.0( 0.0( a. credtt card 505056504505100000 0.0( 0.0( 0.0( 0.0( 0.0( b. Motof Vehicle Loaills 505056504510100000 0.0( 0.0( 0.0( 0.0( 0.0( AUIO LOam 505056504510171000 0.0( 0.0( 0.0( 0.0( 0.0( 2. Motorc\rcle Lo6ns so50565(X510172mO 0.0( 0.0( 0.0( 0.0( 0.0( c. salary-uaseo GeneraFPurposeconsumption Loans 5050565M512100000 0.0( 0.0( 0.0( 0.0( 0.0( d. O,thers 50505650451 5100000 0.0( 0.0( 0.0( 0.0( 0.0( 9. Loans to Individuals for Oth€r Purpoo€s 505056505000100000 0.0( 0.0( 0.0( 0.0( 0.0c l{on-Re3ident3 50505650fin020(rc00 0.0( 0.0( 0.0( 0.0( 0.0c Gentral GovemmeflUcental Banks 5050565055002000(n 0.0( 0.0( 0.0c 0.0( 0.0c 2. Puuic Sector Entities 505056506000200000 0.0{ 0.0( 0.0c 0.0( 0.0c 3. Loans to Cormrations 5050565065004)0000 0.0( 0.0( 0.0( 0.0( 0.0( 4. Lo€m to lndividuals 505056507000200000 0.0c 0.0( 0.0( 0.0( 0.0( TOTAL 505056500000000000 0.0c 0.0( 0.0( 0.0( 0.0( l'lncludes Restructured Loans

acn.dut.29d1 lotl InLtlrt Incom. iom Loon..nd R.c.tv!U.. - Otn.6 ', Cl.3.li.d .. lo Strtu! a b c d e Particulars Account Code Past Oue But Not Yet Nor Total Interest Income from Past Due and Aready Current Items In Lltlgetion Loans and Recelvablo3- Porforming Non-Porforming others lesldents 0.0( 0.0( 0.0( 0.0( 0.0( 1. Loanstocovemment 0.0( 0.0( 0.0( 0.0( 0.0( a. National Govemment 505056500500121000 0.0( b. LGUS s05056500500122000 0.0( c. GOCCS 5050565005001 23000 0.0( 0.0( 0.0( 0.0( 0.0( Social Securiv InstitutiorB 505056500500123100 0.cx 2. Other Financial 505056500500123200 0.0( 3. Non-Financial 0.0( 2. Agrarian Reform / Other Aqricultural Loans 0.0( 0.0( 0.0( 0.0( 0.0( a. Agrarian Reform LoarF so50565010051o(n(n 0.0( b. Other Aoricultural Credit Loans 505056501010100000 0.0( 3. Microenterorise Loans 5050565020001 00000 0.0( 0.0( 0.0( 0.0( 0.0( a. Microtinance Loans 505056502005100m0 0.0( b. Oth€r Microenterp.ise Loans 5050565020101000q) 0.0( . Small and Medium Enterprise Loans 5050565025001 00000 0.0( 0.0( 0.0( 0.0( 0.0( a. $ma[ l'ca|e Entefpnses 0.0( b. Medium Scale EnterDrise 50s056502510100000 0.0( 5. Contracts to Sell 505056503000100m0 0.0( 6. Loans to Private CorDorations s050s65035001 00000 0.tr 0.0( 0.0( 0.0( 0.0( a. Financial 5050565035001 01 000 0.0( 505056503500102000 0.0( Loans to Individuals for Hcxrsing Purposes s05056504m010m00 0.0( E. Loans to Individuals Primarily for Personal Use purDoses 0.0( 0.0( 0.0( 0.0( 0.0( a. ureofi gard 0.0( b. MotorVehideLoans 50505650451010(m0 0.0c 0.0( 0.0( 0.fi 0.0( '1. Auto Loans 5050565045101 71000 0.0( 2. Motorcwe Loans 5050565045101 72000 0.0{ c. S:ialary-Based GeneraFPurpose ConsumDtion Loans s05056504512100000 0.0( d. OtlErs 50505659515100m0 0.0( 9. Loans to Individuals for other Purposes 0.0( rn-Residents 505056500000200000 0.0( 0.0( 0.0( 0.0( 0.0( 1. Central Govemmenucentral Banks s05056s05500200000 4. LoarF to Individuals 5050565070002m000 0.0( rOTAL 0.0( 0.0( 0.0( 0.0( 0.0( "lncludes Restructured Loans

Schedula 2td2 1d'l fntd'ct lncor|o frcm Loant lnd Racafvabfet. otftat! " Cl.3tlflod r. to 8t tu. Fot€lgn R.gul.r o d e Past Due But Not Yet Non- Past Due and Already Non- Particulars Account Code Currenl Items in Litigation Total Interest Income Performino Performino lnUS3 Poso Eoulv. InUS$ Peso Eouiv. lnUSS Peso Eoulv. InUS$ Peso Equiv. InUSf Peso Equlv. s050565000001 00000 0.0c 0.0( o.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.(X lssidonts '1. Loans to Government s05056500500'1 00000 0.0c 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( a. National Govemment 5050565005001 21 000 0.0( 0.0( b. LGUS 5050565005001 22000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( c. GOCCs 5050565005001230q) 0.0( 0.0( 0.0( 0.0( 0.0( 1. Social Security Instnutions 50s0565005001 231 00 0.0( 0.0( 2. Other Financial 5050565005001 23200 0.0( 0.0( 3. Non-Financial 5050565005001 23300 505056501 0001 00000 0.0( 0.0c 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 2. Aorarian Reform / OtherAqricultural Loans o.0( 0.0( a. Aqrarian Reform Loans 505056501 005100000 0.0( 0.0( b. Other Agricultural Credit Loans 50505650101 0100000 5050565020001 00000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 3. Microenterprise Loans 0.0( 0.0( a. Microfinance Loans 5050565020051 00000 0.0( 0.0( b. Other Microenterprise Loans 50505650201 0100000 5050565025001 00000 0.0( 0.o( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0c 0.0( 0.0( 4. Small and Medium Enterprise Loans 0.0c 0.0( a. small scale Enterprises 505056502505 1 00000 0.0c 0.0( b. Medium Scale Enterprise 50505650251 0100000 5050565030001 00000 0.0c 0.0( 5. Contracts to sell 505056503500 1 00000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0c 0.0c 0.0( 6. Loans to Private Corporations 0.0c 0.0( a. Financial 50s0565035001 01 000 b. Non-Financial 5050565035001 02000 0.0c 0.0( 50505650400010000{) 0.0c 0.0t 7. Loans to Individuals for Housing Purposes 5050565045001 00000 0.0( 0.0c 0.0( 0.0c 0.0( 0.0( 0.0( 0.0c 0.0c 0.0( 8. Loans to Individuals Primarily for Personal Use Purposes 0.0c 0.0( a. Credit Card 5050565045051 00000 d. others 50505650500010@00 0.0c 0.0c 9. Loans to Individuals for Other Purposes lo lndivi.hrals rOTAL 505056500000000000 o.ool o.ool 0.001 0.001 0.001 0.001 0.001 0.001 0.0c 0.0( "lncludes Restructured Loans

Schedule 29d3 l of 1 Interest lncome from Loans and Receivables - Others " Glassified as to Status FCDU/EFCDU a b c (t e Particulars Account Code Pasl Due But Not Yet Non- Past Due and Already Non- Current Items in Litigation Total Interest Income Performing Performing InUSs Psso Eoulv. InUSI Peso Eoulv. InUSS Peso EquN. InUSS Peso Eouiv. InUS$ Peso Eoulv. Residents 5050565000001 00000 0.0c 0.0( 0.0c 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0c Loans to Govemment 5050565005001 00000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( a. National Govemment 505056500500 1 2 1 000 0.0( 0.0( b. LGUS 5050565005001 22000 0.0( 0.0( c. GOCCs 5050565005001 23000 0.0( 0.0( 0.0( 0.0c 0.0( 0.0c 0.0( 0.0( 0.0( 0.0( 1. Social Securitv Institutions 5050565005001231 00 0.0( 0.0( 2. Other Financial 505056500500123200 0.0c 0.0( 3. Non-Financial 5050565005001 23300 0.0c 0.0( 2. Agrarian Reform / Other Agricultural Loans 505056501 000100000 0.0( 0.0c 0.0( 0.0( 0.0c 0.0( 0.0c 0.0( 0.0( 0.0( a. Agrarian Reform Loans 505056501 005100000 0.0( 0.0( b. Other Agricultural Credit Loans 50505650101 0100000 0.0( 0.0( 3. Microenterprise Loans 5050565020001 00000 0.0( 0.0( 0.0c 0.0( 0.0c 0.0( 0.0( 0.0( 0.0( 0.0( a. Microfinance Loans 505056502005100000 0.0( 0.0c b. Other MicroenterDrise Loans 50505650201 0100000 0.0( 0.0( 4. Small and Medium Entemrise Loans 5050565025001 00000 0.0c 0.0( 0.0( 0.0( 0.0( 0.00 0.0( 0.0c 0.0( 0.0( a. small scale Entemrises 5050565025051 00000 0.0( 0.0( b. Medium Scale Entemrise 50505650251 0100000 0.0( 0.0( 5. Contracts to Sell 5050565030001 00000 0.0( 0.0( 6. Loans to Private Coroorations 5050565035001 00000 0.0( 0.0( 0.0( 0.0c 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( a. Flnancial 5050565035001 01 000 0.0( 0.0( b. Non-Financial 5050565035001 02000 0.0( 0.0( 7. Loans to Individuals for Housino Pumoses 5050565040001 00000 0.0( 0.0( Loans to Individuals Primarily for Personal Use L Purposes 5050565045001 00000 0.0( 0.0c 0.0c 0.0c 0.0c 0.0( 0.0c 0.0( 0.0( 0.0( a. credit card 50505659505100000 0.0( 0.0( b. Motor Vehicle Loans 50505650451 0100000 0.0( 0.0( 0.0c 0.0( 0.0( 0.0( 0.0c 0.0( 0.0( 0.0( 1. Auto Loans 50505650451 01 71 000 0.0( 0.0( 2. Motorcycle Loans 50505650451 01 72000 0.0( 0.0( c. Salary-BasedGeneral-PurDoseConsumotionLoans 50505650451 2100000 0.0( 0.0( d. Others 50505650451 51 00000 0.0( 0.0( 9. Loans to Individuals for Other Pumoses 5050565050001 00000 0.0( 0.0c ilon-Realdents 505056500000200000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0c 0.0( 0.0( 0.0( 0.0c . Central Governmenucentral Banks 505056505500200000 0.0( 0.0c 2. Public Sector Entities 505056506000200000 0.0( 0.0c 3. Loans to Comorations 505056506500200000 0.0c 0.0c 4. Loans to lndividuals 505056507000200000 0.0c 0.0( I-OTAL 505056500000000000 0.0( 0.0c 0.0c 0.0( 0.0c 0.0( 0.0( 0.0( 0.0c 0.0( r/lncludes Restructured Loans

SclEdu|. 2l |ntaltat Income lrom Loant md Racalvabt$ . Ohara I of I Cl.Llll€d .! lo stltu. FoElgn Oficrt b c o e Past Due But Not Yet Non- Past Due and Already Non- Particulars Account Code Current Items in Litigation Total Interest lncome Performing Performing ln Peao rus$ Peso Equiv. InUS$ Peso Equiv. InUSt Poso Eouiv. InUS$ Peso Equlv. tesldont8 505056500000"t 00000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( Loans to Govemment 505056500500 1 00000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( a. National Govemmenl 505056500500121 000 0.0( 0.0( b. LGUS 5050565005@122000 o.0( 0.0( c. (juuus 505056500500 1 23000 0.01 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0c 0.0( 0.0( 5(rctat secunw tnsl|Iuuons 5050565005001 231 00 0.0( 0.0( 2.Other Financial 505056500500 1 23200 0.0( 0.0( 3.Non-Financial 5050565005001 23300 0.0( 0.0( 2. Agrarian Reform / Other Aqricultural Loans 505056501 0001 00000 0.0( 0.0( 0.0( 0.0c 0.0( 0.0( 0.0( 0.0c 0.0( 0.0( a. Aorarian Reform Loans 505056501 0051 00000 0.0( 0.0( b. Other Aoricultural Credit Loans 505056501 01 01 00000 0.0( 0.0( 3. MicroenterDrise Loans 5050565020001 00000 0.0( 0.0( 0.0( 0.0c 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( a. Microfinance Loans 505056s02005 1 00000 0.0( 0.0( b. Other Microenterprise Loans 50505650201 01 00000 0.0( 0.0( 4. Small and Medium Entemrise Loans 505056502500 1 00000 0.0( 0.0( 0.0c 0.0c 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( a. Small Scale Entemrises 5050565025051 00000 0.0( 0.0( b. Medium Scale EnterDrise 505056s02s1 01 00000 0.0( 0.0c 5. Contracts to Sell 5050565030001 00000 0.0( 0.0c 6. Loans to Private CorDorations 5050565035001 00000 0.0( 0.0( 0.0c 0.0( 0.0( 0.0( 0.0c 0.0( 0.0( 0.0c a. Financial 5050565035001 01 000 0.0( 0.0c b. Non-Financial 5050565035001 02000 0.0( 0.0c 7. Loans to Individuals for Housing Purposes 505056504000 1 00000 0.0( 0.0c Loans to Individuals Primarily for Personal Use 8. Purposes 5050565045001 00000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0c a. Credit Card 5050565045051 00000 0.0( 0.0c b. Motor Vehicle Loans 50505650451 01 00000 0.0t 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.00 0.0( 0.0( 1. Auto Loans 505056504510171 000 0.0( 0.0( 2. Motorcycle Loans 50505650451 01 72000 0.0( 0.0( c. salary-Based GeneraFPurDose GonsumDtion Loans 5050565q512100000 0.0( 0.0( d. Others 50505650451 51 00000 0.0( 0.0( 9. Loans to Individuals for Other Purposes 505056505000100m0 0.0( 0.0( 3ldenta 505056500000200000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0t 0.0( 0.0( 0.0( 0.0( 1. Central Govemmenucentral Banks 505056505500200000 0.0c 0.0( 2. Public Sector Entities 505056506000200000 0.0c 0.0( 3. Loans to Comorations 505056506500200000 0.0c 0.0( 4. Loans to Individuals 505056507000200000 0.0c 0.0( TOTAL 505056500000000000 0.0( 0.0( 0.0( 0.0t 0.0( 0.0c 0.0( 0.0( 0.0c 0.0( t'lncludes Restructured Loans

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) Forelqn Reqular FCDU/EFCDU Forelgn Offlceg ParticularB Account Code Total lnUS$ Peso Eouiv. InUS$ Peso Equiv. InUS$ Peso tsourv. . Flnancial Assets l. Avallable-for-Sale Financlal Assets )ebt Securitie8 0.0( 0.01 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( Resldent 5 t03010(n000100001 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( A. Govement 5't03010000001 10001 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( (1) National Govemment 5103010000001 1 1001 0.0( (2} LGUS 5103010000001 12001 0.0( (3) GOCC 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( a. 50cl4r $ecunlv tnsmn|ons 0.0( b. Financial 0.0( 0.0( B. BSP 5103010@00013000r 0.0( C. Banks 5103010000(n140001 0.0( 0.0( 0.0( 0.0( 0.0( 0.0{ 0.0{ 0.0( 1) UBs/KBs 510301000000 t4't001 0.0( (2) Olher Banks 5103010000(x)142001 0.0( D. PrivateCorporations 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 1) Financial 0.0( (2) Non-Financial 0.0( Non-Resident 51030100(n00200001 0.0( U.U( o.(X 0.0( 0.0( 0.0( 0.0( A. GovemmenucenlralBanks 51030100m00210001 0.0( B. Public Sector Entities 510301fir00m220m1 0.0( C. Banks 510301000000230(nl 0.0( 0.0( 0.0( 0.0( u.0( 0.fi 0.0( Banks 5103010m000231001 0.0( l) Other Banks 0.0( D. CorDorations 0.0( t. MultllateralAgencies 0.0( Equlty Securlties 51 0302000000000001 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 1. Re3ldent 510302000000100001 0.0( 0.0( 0.0( 0.0( u.0( 0.0( A. GOCCS 0.0( 0.0( 0.0( u.u o.o( 0.0( Fanancial 51030200firc01 13401 0.0( (21 NorFinancial 0.0( B. Banks 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( (1) UBs/KBs 0.0( (21 Other Banks 51 0302000000142001 0.0( C. PrivateCorporations 51 0302000000160001 0.0( 0.0( 0.0( u.u( 0.u 0.0( (1) Financial 510302000000161 001 0.0( (2) Non-Financial 0.0( ilon-Reaidenl 0.0( 0.0( 0.0( 0.0( 0.0( A. Banks 51030200000023m01 0.0( B. CorDoratiorF sl 03020q)000240001 0.0( fotal Available-for-Sele Financlal Assets 51 0300500000000001 0.0( 0.(X 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( l. Held-to-Maturity Financlal A$ots Resldent 0.0{ 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( A. Govemment 0.0( 0.0( 0.0( o.(X 0.0( 0.0( 0.0( 0.0( (1) National Gov€mment 0.0( (2) LGUS 5103015000001 12001 0.0( (3) GOCC 51030150m001 13001 0.0( u.0( o.o( 0.(x 0.0( 0.0( 0.o( 0.0c a. Social Securitv lr|stitutions 5103015000001 13101 0.0( b. Financial 510301500000 1 13201 0.(X c. Non-Financial 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) Foreign Reqular FCDU/EFCOU Foreign Offices Particulars Account Code Total hUS$ Peso Eouiv. InUS$ Peso Eourv. InUS$ Peso Equiv B, BSP 51 0301 500000130001 0.0( C. Banks u.{.J( 0.u( 0.0( 0.o( 0.0( 0.0( u.u( 0.0( (1) UBs/KBs 0.0( (2) O{her Banks 0.0( D. PrivateCorDorations 0.0( 0-0( 0.0( u.u{ U.U( o.o( 0.u 0.0( ) Finarrcial 51030r5(nn0161001 0.0( (2) Non-Financial 510301500000'r62001 0.0( NOn-Ke6nent 510301500m02m001 U.UI u.0t 0.(X 0.fi 0.(x u.u( 0.0( 0.0( B. Public Sector Enlities 0.fi C. Banks 0.0( 0.0( 0.0( U.U( 0.u 0.0( 0.0( (1) OBUS 0.0( (2\ OtherBanks 0.0( D. CorDorations 510301 500000240001 0.0( tultllateral Agencies 510301 500000300001 0.0( -otal Held-to-Maturittf Financial A$sts 510301 500000000001 U.UI U.U( 0.0( o.u 0.0( 0.0( U.UI 0.0( Unquotod Debt Securities Cla33ifiod as Loans 1. R*ldent 0.u 0.0( 0.o( 0.0( 0.0( U.UI o.0( 0.0( A. Gov€mmeni o.o( o.(x 0.0( 0.0( 0.0r 0.0( 0.(x 0.0( 1) Nalional Govemmenl 0.u (2) LGUs 0.0( (3) GOCC 5103025000001 13001 0.0( 0.0( u.u( u.u 0.q 0.(X 0.0( 0.0( a. Social Securitv Institutions 5103025000001 13101 0.0( b. Financial 510302500m01 13201 0.0( c. Non-Financial 0.0( B. BSP 0.0( C. Banks 0.0( 0.o( 0.0( 0.0( 0.0( 0.0( 0.tx 0.0( 1) UBs/KBs 0.0( (2) Other Banks 510302500000142001 0.0( D. PrivateCorDorations 510302500000160001 0.0( u.u u.0( 0.o[ 0.0( 0.0( 0.0( 0.0( (1 ) Financial 5r0302500000161001 0.0( Non-Financial 510302500000162001 0.0( Non-Resldent 0.0( 0.ol 0.0t 0.0( u.0( 0.0( 0.0( A. GovemmenUCentralBanks 0.0( B. Public Sector Entities 0.0( C. Banks 51 0302500000230001 0.0( u.u{ 0.u 0.0( 0.0( 0.0( 0.0( (1) OBUS 510302500m0231001 0.0( Ql Other Banks 510302500000232001 0.(x D. CorDoralions 0.0( Multilateral Agencles 0.0( fotal unquotod oebt securiiler Glaaalflod ea Loan3 510302500000000001 0.0( 0.0( 0.0( U.U( 0.0( 0.(X 0.0( 0.0( ,. Investmentr in Non-Marketable Equlty Securities Keatqent u.Lr{. u.u[ 0.0( 0.0( 0.u( 0.0( A. GOCCS 0.0( o.o( 0.0( 0.0( 0.tx 0.0( (1) Financial 0.0( (2\ Non-Financial 0.0( B. Banks 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( (1) UBs/KBs 510303000000141001 0.0( (2) Other Banks 510303000000142001 0.0( u. Fnvate uotDora0ons 510303000000160001 u.u{ u.(x 0.0( 0.0( 0.u 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 FCDU/EFGDU Foreiqn Offices Particulars Account Code Total InUS$ Heso Eourv. InUS$ Peso Eouiv. hUS$ Peso Eouiv. (1) Financial 0.0( (2\ Non-Financial 0.0( G. Loans to Indivaduals for Housim PurDoses 51 03045040001 00001 0.0( H, Loans to Individuals Primarilyfor Personal Use Purposes 5103(X5045(x)100001 0.0( 0.0( 0.0( 0.0( 0.0( 0.(x 0.0{ o.(x (1) Credit Card 0.0( Ql Motor Vehicl€s 51 03045045101moo1 0.(x 0.(x 0.(x 0.(x 0.0( 0.0( 0.0( 0.(x a. Aulo Loans 0.0( b. Motorcvcle Loans 0.0( (3t Salaru-BasedG€neral-PumoseConsumotionLoans 0.0( (4) others 51 030450451510m01 0.0( Loans to Individuals for (Jther Pumoses 51 0304505000100001 0.0( {on-Resident3 51 03(X500000200001 0.0( 0.0( 0.0( 0.0( 0.0( u.u( 0.(X 51 0304505500200001 0.0( B. Public Sector Entities 0.0( C. Loa'rs to CorDorations 0.0( D. Loans to lndividuals 0.0( fotal Loans and Recelvables 0.0( 0.0( 0.0( 0.01 0.0( 0.0( 0.0{ 0.0( Invsstment3 in Uncon3olldated Subsidiaries, A3soclate3 and Joint Venturss 0.0( fotal Gainsr(Losses) from SalorRedemption/Derecognltion of Financial A33otg s10300000000000001 0.0( 0.0( 0.0( 0.0( 0.0( 0.cx 0.0( 0.0( t. 0.0( u.u U.U( U.U( u.u{ 0.u{. u.0( 0.u( 0.0(

Schedule 1'l 1 ol2 1' Loans and Recelvables - Others (At Net Carrying Arnount, except for ltems 12 to 16 of the Additional lnformation)

Schedule ll 2 ol2 Loans and Receivables - Others il (At Net Garrying Amount, except for ltems 12 to 16 of the Mdltlonal Information)

Schedule'11a1 1 ol2 Loans and Recelvables - Others fl Classified as to Status Peso Accounts a b c d e s tast Due But No Past Due and Particulars Account Gode Itoms In Allowancs for Net Carrying Current Yet Non- Aready Total Loans Lltlgatlon Credit Losses Amount Performing Non-Perfoming le6idents 0.0( 0.0( 0.0( 0.0( o.o( 0.0( 0.0( 1. -oans to Govemment 1401500005001 20000 0.0c 0.0( u.o( 0.0( 0.o( 0.0( 0.0( {ational Gov€rnment 140150000500121 000 0.0( 0.0( -uus | | 0.0( 0.0( 3occs | | 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( Social S€curiw lrBtft diom I 0.0( 0.0( )th€r Financial 0.0( o.u {on-Financial 0.0( 0.o( 2 \qrarian Reform / Other Aoricultural Loarls 0.0c 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( a. \orarian Reform Loans 1 /10150001005100000 o.o( 0.0( )th€r Agricultural Credit Loans 't40150001010100000 o.0( 0.0( \ricr@ntertrise Lcns ' 0.0( 0.0( o.0( 0.0c 0.0( 0.0( 0.0( ,licrofinance Loans 0.0( 0.0( 0.0( 0.0( 4 qmell arrl Mdirm o.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( imall Scale EnterDrises 0.0( 0.u vledium Scale EnterDrise 1401500025 r0100000 0.0( o.o( lontracts to sell I 0.0( 0.0( 6 -oans to Private Coroorations 0.0( 0.0( 0.00 0.0c o.0( 0.o( 0.0( a 1401 500035001 61 000 o.o( 0.0( ,lon-Financial 1401 500035001 62000 0.0( 0.0( 7 -oans to hdividuals lor Housrng Purpos€s 0.0( 0.0( E -oans to Individuals Pnmanly for Personal Use Purposes 0.0( 0.0( 0.0( 0.0c 0.0( 0.0( 0.0( )redit Card 0.0( 0.o( vlotor V€hicle Loans 0.0( 0.0( 0.0( 0.0c 0.0( 0.0{ 0.0( \uto Loans 1401500045 t017'1000 0.u 0.0( vlotorcycle Loans 1401 500045101 72000 0.0( 0.0( 1401 50qX512100000 0.0( 0.0( r- tqneE | | 1401 500q515100000 0.0( 0.0( 9 -oans to Individuals for Other PurDoses 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 4 -oans to lndividuals 0.0( 0.0( rOTAL 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( (Y whic-h lmns rr<a.l to cmdv whh Adrerirn Flafdm/a)lher Adricr 1 orarian Reform Loans 0.0( 0.0( ) fther Aoricultural Credit Loans 0.0( 0.0(

Schedule llal 2 ol2 Loans and Receivables - Others il Glassified as to Status Peso Accounts a b c d G g tast Due Bul No Past Due and Particulars Account Code Items in Allowance for Net Carrying Current Yet Non- Aready Total Loans Litigation Crsdit Losses Amount Pertormlng Non-Performing \dditional Informationl )OSRI Loan 140150012500600000 0.0( 0.0{ 0.0( 0.0( 0.0( 0.0( 0.0( iecured 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( i) 0.0( 0.0( il, REM - Commercial 140150012515600000 0.0( 0.0( l'il) 0.0( 0.(r( liv) \on-risk Assets 0.(x 0.0( lv) 34her collateral 140150012520600000 0.0( 0.0( Jnsecured 0.0( 0.u -oans Granted under lhe Bank's Fringe Benefit Program 0.0( 0.0( 2 tlo(}DOSR| Loarn t40150013000600000 0.0( 0.0( 0.0( 0.0c 0.0( 0.0( 0.0( J€cured r4015(x)130056(xxrcO 0.0( 0.q 0.0( 0.0( 0.0( 0.0( 0.fi 'i) 14015001301060m00 0.q 0.0( :iD IEM - Commercial t40150013015600000 0.0( 0.0( ilt KEM-Aqnculural t401500130186flXrcO 0.0( 0.0( liv) Other collateral 14015001302060m00 0.0( 0.0( Jnsecured 140r5(X)1 30250qX'OO 0.0( 0.0( lo Real Estate Industrv 1401s001 3500600000 0.0( 0.0( 0.0( 0.0( 0.0( o.0( 0.0( =xDosure tesidential Re€l Estate Loans 140150013505640000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( ,t, \ot exce€ding P3.5 mtllion r40150013500641000 0.0( o.0( ,ii) :xceeding P3.5 million 14015001 3500642000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 1l 3uaranteed under National Sheller Program 140150013500642100 0.0( 0.0( 2) Jthers r401500135@642200 0.0( 0.o( lommercial Real Estate Loans 1401 50013510640000 0.0( 0.0( \gricultural 1401 5(Xr13515640000 0.0( 0.0( 4 Sills Purchased 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( Jilts Purcnaseo - u|ean 140150014000630000 0.001 0.0( 7. 3ross Non-PerfomirE Loans 1401 500185126000(n 0.0( 0.0o1 0.0( 8. Allorwnce for Credit Losses 14015001900060@(n 0.0( 1/lncludes Restruc{ured Loans -

Sch.dul! ttbl I R.gtruc't|rcd Loan! and Receivablaa 'rl Cl.lCflsd aa to st.iu. Pelo Accounta a b c d e I s Past Due But ilol Past Due and Particulars Account Code Items In Allowance for Net Canying Current Yet Non- Already Non- Total Loans Lltlgation Credit Losses Amount Performlng Performing esidents 1 401 51 0000001 00000 0.0( 0.0( 0.0c 0.0( 0.0( 0.0( 0.0( 1401 51 0005001 20000 0.0( 0.0( 0.0c 0.0( 0.0( 0.0( 0.0( -oans to Govemmen lational Govemment 1401 51 000500121 000 0.0( 0.0( 140't5't 000500122000 0.0( 0.0( -GUs SOCCs 1401 51 000500123000 0.0c 0.0c 0.0t 0.0( 0.0( 0.0( 0.0( 1 Social Security Institutions 1 401 51 0005001 231 00 0.0( 0.0( 2. )ther Financial 1 401 51 0005001 23200 0.0( 0.0( 3. tlon-Financial 1401 51000500123300 0.0( 0.0( 2 \orarian Reform / Other Aqricultural Loans 1401 51 001 000100000 0.0t 0.0c 0.0( 0.0( 0.0( 0.0( 0.0( Aorarian Reform Loans 1401 51 001 005100000 0.0( 0.0( )ther Aoricultural Credit Loans 1 401 51 001 01 01 00000 0.0( 0.0( 3, Uicroenlernrise Loans a '1 401 51 0020001 00000 0.0( 0.0c 0.0( 0.0( 0.0( 0.0( 0.0( l. lilicrofinance Loans 140't 51 0020051 00000 0.0c 0.0( )ther Microentemrise Loans 1401 51 00201 01 00000 0.0( 0.0( 4 Small and Medium Entemrise Loans a/ 1401 51 002500100000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( imall Scale Enterprises 1 401 51 0025051 00000 0.0t 0.0t vledium Scale Enterprise 1 401 51 00251 01 00000 0.0( 0.0t 5. lontracts to Sell 140151 0030001 00000 0.0( 0.0t 6. -oans to Private Corporations 1401 51 003500160000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( :inancial 1401 51 003500161 000 0.0( 0.0( tlon-Financial 14015't 003500162000 0.0( 0.0( -oans to Individuals for Housing Purposes 51 0040001 00000 1 401 0.0( 0.0t 8 -oans to Individuals Primarily for Personal Use Purposes 140151004500100000 0.0c 0.0( 0.0( 0.0c 0.0( 0.0( 0.0( lredit Card 1 401 51 0045051 00000 0.0( 0.0( ). Votor Vehicle Loans 140151 00451 01 00000 0.0c 0.0( 0.0( 0.0c 0.0( 0.0( 0.0t 1 \uto Loans 1 401 51 00451 0t 71 000 0.0( 0.0c \,lotorcvcle Loans 140151 00451 01 72000 0.0( 0.0c Salary-Based General-Purpose Consumption Loans 1401 5100451 2100000 0.0( 0.0c Cthers 140151004515100000 0.0( 0.0c '1401 51 0050001 00000 0.0( 0.0c -oans to Individuals for Other Purposes ilon-Resldents 1401 51 000000200000 0.0t 0.0( 0.0( 0.0c 0.0( 0.0( 0.0c 2 -oans to Gorporations 4. -oans to Individuals 1401 51007000200000 0.0( 0.0c rOTAL 1 401 51 000000000000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0c 0.0c ' of which loens uscd 16 mmnlv with Aorerian Reform/Other Aoricultural Loans Aorarian Reform Loans 1 401 50501 01 51 00000 0.0( 0.0c .2) Jther Aqricultural Credit Loans 1 401 5050 1 0201 00000 0.0( 0.0c

Schodul. tici Loans and Recaiyabla. - (Xh.rr lotl Itovaments of Allowances for Crcdlt Lo€a3 Paao Accounl3 Amounts set Amounts Recoverles Charge-offs Wrlteoffs Opening asids fol reversed for Other Gloslng dlrec.tly dlrectly Particulars Account Code taken agalnst balance estlmated estlmated adrustments Balances recognlzed ln recognized ln the allowance credlt losses credlt losses proflt or loss profit or loss Specific allowances for individually assessed financial assets and Specific allorirances for collectivelv assessed financial assets ilesldents 1651 50000000100000 0.00 0.0( 0.0c 0.0( 0.0( 0.0c 0.0( 0.0c 1 -oans to Govemmenl 651 500005001 20000 0.0c 0.0( 0.0c 0.0( 0.0( 0.0c 0.0( 0.0c l. tlational Govemment 651500005001 21000 0.0c ). LGUs 651 500005001 22000 0.0c F GOCCs 651 500005001 23000 0.0( 0.0( 0.0c 0.0( 0.0c 0.00 0.0( 0.0c 1. Social Security Institutions 651 50000500123100 0.00 2. Cther Financial 651 50000500123200 0.0( Non-Financial 651 50000500123300 0.0( 2 Aqrarian Reform / Other Aqricultural Loans 651 50001000100000 0.0( 0.0( 0.0c 0.0c 0.00 0.0( 0.0c 0.00 a. \grarian Reform Loans 65150001 005100000 0.0( b. f,ther Aqricultural Credit Loans 6s150001010100000 0.0( 3 Microenterprise Loans 651 50002000100000 0.0( 0.0c 0.0c 0.0c 0.0c o.0( 0.00 0.0( a. \iicrofinance Loans 65150002005100000 0.0c b. 3ther Microenterprise Loans 651s0002010100000 0.0c 4. Small and Medium EnterDrise Loans 65 1 50002500 1 00000 0.0( 0.0c 0.00 0.0[ 0.0( 0.0c 0.00 0.0( a. Small Scale EnterDrises 651 50002505100000 0.0c b. \,ledium Scale Enterprise 651 50002510100000 0.0c 5 Oontracts to Sell 65 1 50003000 1 00000 0.0c 6 -oans to Private CorDorations 165150003500160000 0.0( 0.0c 0.0( 0.0c 0.0( 0.0c 0.0( 0.0( 7. :inancial I 1651 500035001 61000 0.0c D. !on-Financial 1651 500035001 62000 0.00 7. Loans to Individuals for Housino Purooses 1651 500040001 00000 0.00 E loans to Individuals Primarily for Personal Use 1651500M500100000 0.0c 0.0c 0.0( 0.0c 0.0( 0.00 0.0( 0.0c )urposes lredit Card 1 651 500045051 00000 0.00 )- Vlotor Vehicle Loans 1 65150004510100000 0.0c 0.0c 0.0( 0.0( 0.0( 0.0( 0.0( 0.0c 1 \uto Loans 1651 500045101 71000 0.0( Vlotorcvcle Loans 1651 500045101 72000 0.0( lalary-Based General-Purpose Consumption 1651 50004512100000 0.0( -oans t. Others 165't500045151 00000 0.0( 9. -oans to Individuals for Other Purposes 0.0( Non-Resldents 1 651 50000000200000 0.0c 0.0( 0.0c 0.0( 0.0c 0.0( 0.0c 0.0c 4 -oans to Individuals 1 651 50007000200000 0.0( rOTAL 1 651 50000000000000 0.00 0.0( 0.00 0.0c 0.0c U.U( 0.0c 0.0(

Schedule 11dl 1of G Gross Loans and Receivables - Others (At Amortized Cost) Peso Accounts CD tto -o 6S g tr Type of Buslness / Industry dE 9o :o .9iE Account Code :;g oo6 OE oi G giFH= "9 : ., t,Fg EE > o5 3orrowers / Type of Loans F$ " :(! Ef f ct! o E (,o g'$ssg EOo = fi:" =o = E;EF <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 1. Loans to Government 1401 50000500120000 0.00 0.0( 0.0( 0.0( 0.00 0.0( 0.0( 0.0c c. GOCCS 140150000500123000 0.00 0.001 0.00 0.00i 0.00 0.00 0.0( 0.0( 3. Non-Financial 140150000500123300 2. Aorarian Reform / Other Aqricultural Loans 140150001000100000 0.0( 0.0( 0.0( 0.00 0.0( 0.0c a. Agrarian Reform Loans 1401 50001 0051 00000 b. Other Aoricultural Credit Loans 140150001010100000 3. Microenterorise Loans 140150002000100000 0.00 0.0( 0.0( 0.0( 0.0( 0.0( 0.0c 0.0( a. Microfinance Loans 't401 50002005100000 b. Other Microenterprise Loans 1401 50002010100000 4. Small anct Medium Enterprise Loans 1401 50002500100000 0.00 0.0( 0.0( 0.0( 0.0( 0.0( 0.0c 0.0( a. Small Scale EnterDrises 1401 50002505100000 b. Medium Scale Enterprise 6. Loans to Private Corporations 1 401 500035001 60000 0.00 0.001 0.00 0.001 0.00 0.00 0.0c 0.0( b. Non-Financial 1401 50003500162000 8. Loans to Individuals for Other Purposes 1401 50005000100000 ru

Schedule lldl 2ofG Gross Loans and Receivables - Others (At Amortized Gost) Peso Accounts It -o 6S Type of Business / lndustr! dE 9o c t .9*e o o E s.g 6.= ol o 3 s€c Account Code o .=G ct 5 E giFE= o c g'E'sg E tE Borrowers / Type of Loans $3E EE EF o !E" a! =o = C' c. Salary-Based General-Purpose Consumplion Loans 1401 500045't2100000 1. Central Governmenucentral Banks 1 40 1 50005500200000 TOTAL 1401 50000000000000 0.00 0.001 0.00 0.001 0.001 0.001 0.0c 0.0( Currenl 140150018505600000 2. Past due but not yet non-performing 1401 5001 851 0600000 3. Past due and already non-performing 1401 5001 851 5600000 4. ltems in Litioation '1401 50018520600000 5. Real estate loans under Circular No. 600 140150012805600001 6. Real estate exposures under M-2012-046 140't 5001 3500700000

Schedule 11dl 3ofo Gross Loans and Receivables - Others (At Amortized Gost) Peso Accounts tt c(! ttr to .9 Es Type of Buslness / Industrl E .!5 E i:6 iE= s ar'E g oo ..! EE8 go E F.E 2 9.h > Account Code ECD aoG 6.9 o:E t^= uJ> *e€ #ts EEf TE o o o 69 .!: EE :=o oo .EEE o6;: 5 3orrowers / Type of Loans o.o 6 c :E EO l!E< -5 p< EBE E*i E5 "EEF' t uI e :o E zo (, F e 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( 1. Loans to Government 140150000500120000 0.0( 0.0( 0.0c 0.0( 0.0c 0.0( 0.0( 0.00 a. National Government 140150000500121000 b. LGUS 140150000500122000 c. GOCCs 140150000500123000 0.001 0.00 0.001 0.00 0.00 0.0( 0.0( 0.00 1. Social Security Institutions 140150000500123100 2. Other Financial 140150000500123200 W 3. Non-Financial 1401 500005001 23300 2. Aqrarian Reform / Other Aqricultural Loans 1401 50001 0001 00000 0.0( 0.0( 0.0c 0.0( 0.00 0.0( 0.0( a. Agrarian Reform Loans 1401 50001 0051 00000 b. Other Aoricultural Credit Loans 1401 50001 0 1 01 00000 3. Microenterprise Loans 1401 50002000100000 0.0( 0.0( 0.0( 0.0( 0.0( a. Microfinance Loans 1401 50002005100000 b. Other Microenterprise Loans 1401 5000201 0100000 4. Small and Medium Enterprise Loans 1401 500025001 00000 0.0( 0.0( 0.0( 0.00 0.0( 0.0( 0.0( a. Small Scale Enterprises 1401 500025051 00000 b. Medium Scale Enterprise 1401 50002510100000 5. Contracts to Sell 1401 500030001 00000 6. Loans to Private Corporations 140150003500160000 0.00 0.0( 0.0( 0.00 0.001 0.0( 0.0( a. Financial 1401 500035001 61000 b. Non-Financial 1401 500035001 62000 8. Loans to Individuals for Other Purooses 1401 50005000100000

Schedule lldl 4ofG Gross Loans and Receivables - Others (At Amortized Gost) Peso Accounts E t ttE p o EO o -EE FE s a€ Type of Business / lndustry 6.5 a) 9o c EF3 -88?e tr Account Gode oo 5tD oo -a! 6.9 of --co -91!O g:E s.9 o= I!> 8e{ 8=E *ts l! o; i'=X6O o 3 o o o b9 EE F Eqi -5 ot 5 o. at, :E .=-9 l!E< p< E E! - =E =U' E ut Borrowers / Type of Loans a C c =o !o C o Ef;€ fl E: E' iFF(, F 4. Loans to Individuals 1 40 1 50007000200000 1 40 1 50000000000000 0.0c 0.0( 0.00 0.0( 0.0( 0.0( 0.0c 0.0( TOTAL Addltlonal Information: L Current 140150018505600000 2. Past due but not yet non-performing 1401 5001 851 0600000 3. Past due and already non-performing 1401 5001851 5600000 {. ltems in Litiqation 1401 5001 8520600000 i. Real estate loans under Circular No. 600 1401 50012805600001 l. Real estate exposures under M-2012-(Xo 1401 50013500700000

Schedule 11dl 5ofG Gross Loans and Receivables - Others (At Amortized Cost) Peso Accounts tt E 6J E EE o EE Type of Buslness / Industrl €, Account Code tsc iEE FE E3 x9. tE gi$EgFc* teE t o o os F Fr€ fi5 5< Borrowers / Type of Loans E.n 5 gF o *E E= I 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( 1. Loans to Governmenl 401 500005001 20000 0.0( 0.0( 0.0c 0.0( 0.0( a. National Government 40150000500121000 0.0( b. LGUS 1401 50000500122000 0.0( c. GOCCS 1401 50000500'123000 0.001 0.00 0.0c 0.0( Social Security Institutions 1401 500005001 23100 0.0( 2. Other Financial 1401 500005001 23200 0.0( 3. Non-Financial 1401 50000500'1 23300 0.0( 2. Aqrarian Reform / Other Aqricultural Loans 140150001000100000 0.0( a. Aqrarian Reform Loans 1401 50001 005100000 0.0( b. Other Aoricultural Credit Loans 1401 50001 01 0100000 0.0( 3. MicroenterDrise Loans 1401 500020001 00000 0.0( 0.0( 0.0( a. Microfinance Loans 1401 50002005't 00000 0.0( b. Other Microenterprise Loans 1401 500020101 00000 0.0( 4. Small and Medium Enterprise Loans 't 40 1 50002500 1 00000 0.00 0.00 0.0( 0.0( a. Small Scale Enterprises 1401 500025051 00000 0.0( b. Medium Scale Enterprise 1401 5000251 01 00000 0.0( 5. Contracts to Sell 1401 500030001 00000 0.0( 6. Loans to Private Coroorations 1401 50003500160000 0.001 0.00 0.0( 0.0( a. Financial 't4015000350016'1000 0.0( b. Non-Financial 140150003500162000 0.0( 7. Loans to Individuals for Housing Purposes 1401 50004000100000 0.0( 8. Loans to Individuals for Other Purposes 140150005000100000 0.0( B. For Household Gonsumption - Total 1401 500000001 00002 0.0( 9. Loans to Individuals Primarily for Personal Use Purposes 1401 50004500100000 0.0( a. Credit Card 1401 50004505'100000 b. Motor Vehicle Loans 1401 5000451 01 00000 0.0( 1. Auto Loans 1401 5000451 0't 71000

Schedule lldi 6 of 6 Gross Loans and Receivables - Others (At Amortized Gost) Peso Accounts Type of Business / Industn €c GT cOE E.9 (, iE +^o '9o q3E =-YO ir.E .-6 $t {, ;;(, c-9 E= te Et (! Account Code Eo|| -o Et s'5 oo gEFEgFE* o F 3orrowers / Type of Loans 6C'< Eo -!t €< o - = ,iE t6 *EEU 2. Motorcycle Loans 't401 5000451 01 72000 c. Salary-Based General-Purpose Consumption Loans 1401 500045121 00000 d. Others 1401 5000451 51 00000 {on-Resldents 1401 50000000200000 0.0( . uenlral uovernmenvuentrat tranKs 1 401 50005500200000 z. PUDIC Sector Enuiles 140150006000200000 3. Loans to Coroorations 1 40 1 50006500200000 4. Loans to lndividuals 1401 50007000200000 TOTAL 1 40 1 50000000000000 0.0c 0.0c 0.0( 0.0( 0.0c '1. Cunent '1401 50018505600000 0.00 2. Past due but not yet non-performing 1401 5001851 0600000 0.00 3. Past due and already non-performing 14015001851 5600000 0.00 4. ltems in Litioation 1401 5001 8520600000 0.00 5. Real estate loans under Circular No. 600 1401 5001 2805600001 0.00 6. Real estate exDosures under M-2012-046 1401 5001 3500700000 0.0(

Schedule 11el Peg.2 ot 2 Loans and Receivables - Others Classifled as to Status Pel PAS 39 Peso Accounts (For Annual Submission) Carrying amount of ths impaired Spocifi c allowances for individually Specific allowanca3 foi colleclively enhancomonta received a3 3ocuaity Particular! Account Code a33ots Horc allowanco for crcdit Total a3iossod fi nancial asastE a3se33ed financlal assetg for th. nlated impaircd and part lo3ie! Re8ldont3 | 1401 500000001 00000 0.0( 0.0( 0.0( 0.0( 0.0( -oans to Government 1401 500005001 20000 0.0( 0.0( 0.01 0.0( 0.0( {ational Government 14015000050012t000 0.0( -GUs 1401 500005001 22000 0.0( 3OCCq 1401 500005001 23000 0.0( 0.0( 0.0( 0.0( 0.0( 1. lSocial Security Institutions 1401 50000500123100 0.0( f,ther Financial 1401 500005001 23200 0.0( {on-Financial 1 401 500005001 23300 0.0( {grarian Refom / Other Agricultural Loans 1 401 50001 0001 00000 0.0( 0.0( 0.0( 0.0( 0.0( a \orarian Reform Loans 1 401 50001 0051 00000 0.0( fther Agricultural Credit Loans 1401 50001010100000 0.0( !licroenterorise Loans 1401 500020001 00000 0.0( 0.01 0.01 0.0( 0.0( Microfinance Loans 1401 500020051 00000 0.0( Other MicroenterDrise Loans 1401 5000201 01 00000 0.0( Small and Medium Enterorise Loans 1 401 500025001 00000 0.0( 0.0( 0.01 0.0( 0.0i Small Enierorises 1 40't 500025051 00000 0.0( \redium EnterDrise 140 150002510100000 0.0( ]ontracts to Sell 1 401 500030001 00000 0.0c 6 Loans to Private Coroorations 1401 500035001 60000 0.0( 0.0( 0.0( 0.0( 0.0( :inancial 't40 t 50003500161000 0.0( \on-Financial 1401 50003500162000 0.0( -oans to Individuals tor Housing Purposes 't40 t 50004000100000 0.0( -oans to Individuals Primarily br Pe6onal Us Purposs 1401 50004500100000 0.0( 0.0( 0.01 0.0( 0.0t lredit Card I 1401 500045051 00000 0.0( Motor Vehicle Loans '1401 5000451 01 00000 0.0( 0.0( 0.0( 0.0( 0.0c 1. Auto Loans 1401 500045 1 01 71 000 0.0( 2. Motorcycle Loans 1401 5000451 01 72000 0.0( Salary-Based General-Puroose Consumption Loans 1401 500045 1 2100000 0.0( f,thers I '1401 5000451 5100000 0.0( -oans to Individuals ior Other Purooses 140r500050001 00000 0.0( lon-Re3ident3 1 401 50000000200000 0.0( 0.0( 0.01 0.0( 0.0( -oans to Individuals 1 401 50007000200000 0,0( 1 401 50000000000000 0.0( 0.0( 0.0( 0.0( 0.0(

Schedule'llel Page2 ot 2 Loans and Receivables - Others Classlfled as to Statua Per PAS 39 Peso Accounts (For Annual Submlsslon) votraraEt anq omer Grutr Canying amount of the lmpaired Paltcularlb Account Code aasets bofore allowanca for crodil Total a3ssssod flnenclal assotg aEse8sed financial a88ot8 for the rslated lmpalrsd and past loaaog d'6 r..al. leaidents 1401 500000001 00000 0.0( 0.0( 0.0( 0.0( 0.0( -oans to Government 1401 500005001 20000 0.0( 0.0( 0.0( 0.0( 0.0( \,lalional Government 1401 500005001 2'1 000 0.0( LGUs 1401 50000500122000 0.0( sOCCq 1401 50000500123000 0.0( 0.0( 0.0c 0.0( 0.0( iocial Security Instilutions r401 50000500123100 0.0( f,ther Fanancial t401 500005001 23200 0.0( \on-Financial 1401 50000500123300 0.0( \grarian Reiorm / otner Agricultural Loans 't401 50001000100000 0.0( 0.0( 0.0( 0.0( 0.0( Agrarian Retom Loans 1401 50001005100000 0.0( Jther Aoricultural Credit Loans 1401 50001 01 01 00000 0.0( ,licroenterorise Loans 1401 500020001 00000 0.0( 0.0r 0.0( 0.0( 0.0( Microfinanc€ Loans | 401 500020051 00000 0.0( Other Microenterorise Loans 1401 500020101 00000 0.0( imall and Medium Enterorise Loans 1401 500025001 00000 0.0( 0.0( 0.0( 0.01 0.0( Jmall Enterprises 't40't 50002505100000 0.0( vledrum Entemnse 1401 50002510100000 0.0( lontracts to Sell 140 1 50003000100000 0.0( o. -oans to Private CorDorations 1401 50003500r60000 0.0( 0.0( 0.0( 0.0( 0.0( :inancial 1401 50003500161000 0.0( ,lon-Financial 140150003500162000 0.0( -oans to Individuals for Housinq Purposes t40150004000100000 0.0( 8 .oans to Individuals Pramarily ior Pe6onal Use Purpdses 140150004500100000 0.0( 0.0( 0.0( 0.0( 0.0( .;redrt card I 1401 50004505100000 0.0( v|otor Vehicle Loans 140r 5000451 01 00000 0.0( 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 I 14015000451 5100000 0.0( 9 -oans to Individuals for Other PurDoses 1401 50005000100000 0.0( ton.Roaidenta 14015000@00200000 0.0( 0.0( 0.0( 0.0( 0.0( 4 -oans to Individuals 1 401 50007000200000 0.0( rOTAL 1401 50000000000000 0.0( 0.0( 0.0( 0.0( 0.0(

Schedule 11h1 MOVEMENTS ll{ NON-PERFORilII{G LOANS (l{PLe) r/ By Economic Activity Reasons for tho Decllno In NPLs Closlng Nswly Reclasrlff catlon/Transfor to Other Opening Balance Adjustments Patticulal! Account Code Balanco WriteOffs Rerfucfur€d Loang Sale to NPL Paynents Potfoming Additions/ ROPA Not Considar€d ilPL sPv Deductions ) j=a+b- Status a ( {srrm of c ll D o e I q n h)+i rOTAL 14000001 851 2000000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( -oan3 and Receivables-Others, Rosldent3 1401 5001 851 21 00000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( t. :or Production, by Economic Activlty r401 5001 651 21 00001 0.0( 0.0( 0.0( 0.0( 0.0( 0,0( 0.0( 0.0( 0.0( 0.0( \grEulture, l-orestry and Fishing 1401 5001 851 2 t 001 0 0,0( srnrng ano quarryrng 1 401 5001 851 210020 0.0( 5001 E51 21 0030 0.0( :lectricity, Gas, Steam and Air-Conditioning Supply 1401 5001 85 1 21 00401 0.0( lvater supply, Sewerage, Waste management and Remediation Activities 1401 5001 85 t 21 00501 0.0( lonstruction 1401 5001851 2100601 0.0( ryhobsale and Retail Trade, Repair Of Motor Vehicles, Motorclrcles 1401 5001 851 21 00701 0.0( \ccommodation and Food Seruice Activities 1401500 1 851 21 00801 0.0( ransportation and storage 1401 5001851 2100901 0.0( 0. nfomalion and Communication 14015001 651 21 01 001 'tl :inancial and Insurance Aclivities 0.0( 140150018512101 101 0.0( z. teal Estate Activities 1401 5001851 2101 201 ,rofessional, Scientific and Technical Activiiies 0.0( 1401 5001851 2101 301 0.0( t4 \dministrative and Support Seruice Activities 1401 5001851 21 01 401 rublic Administration and Defense; Compulsory Social Security 0.0( 1401 5001 851 21 01 501 0.0( t6. :ducation r401 5001 851 21 01 601 0.0( 17 iuman Healh and sociat work Activities 1401 500185121 01 701 0.0( t8. Ms, Enlertainment and Recreation 1401 50018512101 801 0.0( )ther Seruice Activities 1401 5001 851 2 1 01 901 0.0( l0 \ctivities of Households as Employers and Undifferentiated Goodeand-Services- 14015001 651 21 02001 troducing Activities of Households for Own Use 0.0( \ctivities ot Extra-Teritorial Organizations and Bodies 1401 5001851 21021 01 B. For Household Consumption 140 t 5001 851 21 00002 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( -oans to Individuals Primarily for Personal Use Purposes 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( )redit Card Receivables 140 1 5001851 21 001 1 0,0( vlotor Vehicle Loans 140150018512100122 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( Auto Loans 1401500'185121't0122 0.0t Motorcycle Loans 140150018512'120122 0.0( 5arary-tsaseo LjeneraFPurpose uonsumption Loans 1 401 500185121 00142 0.0( f,thers 1401 500't 851 21001 32 0.0t -oans and Receiyabl3ao$te|r8. l{on-Residonts r40r500't 851 2200000 0.0c nterlrank Loan3 Receiyablss r 401 5001851 2000000 0.0c -oana and Receiyabl$ Arlsing fiom RA CA/PR and SLB Transac$on3 14020001E51 2000000 00( il Gross NPLs as dolined undor Circulat No.772 dated 16 Octobor 2012

Schedule 11h2 AGING OF NON-PERFORilII{G LOANS (NPLa} r' By Economlc Ac{ivity Aging of NPLs from Dato of Reclassification z > 2 ygars > 3 years > 4 yoaB > 5 y6ars > 6 yeaB > 7 y6a€ > 8 y6aru > 9 yoars Total <l year ' 1 yoat bu but < but <4 but <5 but <0 but <t but <8 but 4 but 310 > '10 ysars Amount Partlculars Account Code 4 yoars yeara y6ara years yeara yeara years yeara years b o n k l=sumofa tok roTAt- 14000001 851 2000000 0.0( 0.0( 0.0( 0.0( 0.0( 0.01 0.0( 0.0( 0.0( 0.01 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( 0.0( \. For Production, by Economlc Acdyity 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( 0.0c t. {griculture, Foreslry and Fishing 1401 5001 851 21001 01 0.0( vlining and Quarrying '14015001851 2100201 0.0( vlan ufactu ri ng 140150018512100301 0.0( :lectricity, Gas, Steam and Air-Conditioning Supply 1401 5001 851 21 00401 0.0( Arater supply, Sew€rage, Waste management and Remediation Activities 1401 5001 851 2100501 0.0( .;onslruction 1 401 5001851 21 00601 0.0( ivholesale and Retail Trade, Repair of Motor Vehicles, Molorcvctes 140 1500't8512100701 0.01 \mmmodation and Food Seruice Aclivities '1401 5001 851 2100801 0.0( I ransponat,on and storage r4015001 E51 2 l 00901 0.0( t0 nformation and Communication 1 4015001 851 21 0 t 001 :inancial and Insurance Aciivities 0.0( 140150016512101 101 0.0( l2 teal Estate Activities 1401 5001 851 2't0t 201 0.0( 'rofessional, Scientifi c and Technical Activities 1 40 t 5001851 21 01 301 0.0( 4 \0mrnrstrative and Support Seruice Activities 1401 5001 851 21 01401 rublic Admanistration and Defense; Compulsory Social Security 0.0( 1401 5001 851 21 01 501 0.0( o :ducation 1401 5001 651 21 01 601 0.0( iuman Health and Social Work Activities 1401 5001 851 21 01 701 qrts, Entertainment and Recrealion 0.0( E. 1 401 5001851 21 0,1 801 0.0( 19. )ther Seruice Activities 1401 5001 851 21 0 t 901 0.0( 20 \ctivities of Households as Employers and Undiflerentialed Goods-and- 1401 5001 851 21 02001 lervices-Producing Aclivities of Households for Om Use 0.0( \ctivities of Extra-Terilorial Organizations and Bodies 1 401 500185't 21021 01 :ol Hou3ehold Consumptlon 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( -oans to Individuals Primarily for Personal Use Purposes 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 )rgdit Card Receivables 1401 50018512't001 I 2 0.0( \4otor Vehicle Loans 1401 5001851 21 001 22 0.0c 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( 1 . Auto Loans 1401500'18512110122 0.0( l. Motorcycle Loans 149150018512120122 0.0( ialary-Based GeneraFPurpose Consumption Loans 1 401 5001851 21 00142 0.0( Cthers 1401 5001851 21 00't 32 0.0( .oana and RocaivablesothoB, Non-Ro8idonta 14015001 851 2200000 0.0( ntorbank Loans Recsivables 1401 5001 851 2000000 0.0( -oan3 and Rsceivabl$ Msing from RA CA/PR and SLB Transactions 1 40200018512000000 0.0( '/ Gross NPLs as delined und8r Circular No. 772 datsd 16 October 2012

ach.dut. Ztdl l dtl ht r. t Incom. tro|n Lorn! rnd R.c.tvrbt€| - Odr.E ClIt|ll.d.3 to Shti. a b c d e Particulars Account Code Total Intorest Income from Past Due But Not Yet Non- Past Due and Already Non- Current Items In Litlgation Loans and Receivables- Performlng Performing Othors 505056500000100000 0.0( 0.0( 0.0( 0.0( 0.0( 505056500s@100000 0.0( 0.0( a. Natonal uovomment 0.0( 0.fi 0.0( 505056500500121000 b. LGUs 505056500500122m0 0.0( c. GOCCS 0.0( 505056500500123000 0.0( 0.0( 0.0( 0.0( 0.0( 505056500500123100 0.0( 505056500500123200 0.0( 2. Agrarian Reform / Other Agricultwal Loarc 0.0{ 505056501000100000 0.0( 0.0( 0.0( 0.0( a. Agrarian Refom Loar6 50s0565010051m(no 0.0( b. OtherAgriculturalCreditLoars 5050565010101omrc 0.0( 3. Micro€rierprise Loans 0.0( 505056502000100000 0.0( 0.0( 0.0( 0.0( 0.0( 505056502005100000 0.0( 505056502010100000 0.0( 0.0( 0.0c 0.0( 0.0c 0.0( 505056502505100000 b. Medium Enterprise 50505650251010(Xn0 0.0( 0.0( s0s0565030(n100000 6. Loans to Private CorDorations 0.0( 5050565035001 00000 0.0( 0.0( 0.0( 0.0( 0.0( a. Financial 505056503500101000 0.0( 505056503500102000 7. Loans to Individuals for Housing Purposes 0.0( 505056504000100000 0.0( 0.0( 0.0( 0.0( 0.0( 0.0( b. MotorvehideLoans 505056504510100000 0.0( 0.0( 0.0( 1. Auto Loans 5050565(X51 01 71000 0.0( o.-oi 2. Motorcycle LoaGs 5050565045101 72000 0.0( 0.0( 505056504512100000 0.0( 50505650451 51 00000 0.0c 5050s65050001 00000 0.0c 0.0( 0.0( 0.0( 0.0( 0.0( 3. Loans to CorDorations 505056506500200000 s05056507000200000 505056500000000000 0.00 0.0c 0.0( 0.0( 0.0( "lncludes Restnrctured Loans

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 of4 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

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. Agricultural Loans b. Commercial Loans c. Industrial Loans d. Real Estate Loans e. Consumption Loans f. Salary-BasedGeneral-PurposeConsumptionLoans S. Motor Vehicle Loans i. Auto Loans ii. Motorcycle Loans h. Other Loans & Discounts i. Mortgage Contracts Receivables j. Past due loans and discounts k. ltems in litigation 6 Less: Allowance for probable losses 7 NET LOANS AND DISCOUNTS 8 INVESTMENTS IN BONDS & OTHER DEBT INSTRUMENTS a. Government b. Private 9 REAL PROPERTY, FURNITURE, FIXTURES & EQUIPMT a. Real Property - Land b. Building under construction c. Real Property - Buildings (net) d. Leasehold rights & improvements (net) e. Furniture, Fixtures & Equip. (net) 1O REAL AND OTHER PROPERTIES OWNED OR ACQUIRED 11 OTHERASSETS 12 TOTAASSETS 13 DEPOSIT LIABILITIES a. Savings Deposits b. 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. Reserve on Deposit Liabilities b. Withdrawable Share Reserves c. 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. InteresvDiscounts Eamed - Agricultural Loans b. InteresuDiscounts Earned - Commercial Loans c. InteresuDiscounts Earned - Industrial Loans d. InteresuDiscounts Eamed - Real Estate Loans e. InteresvDiscounts Eamed - Consumption Loans f. InteresUDiscounts Eamed - Salary-Based General-purpose Consumption Loans g. InteresvDiscounb Eamed - Motor Vehicle Loans i. InteresuDiscounts Eamed - Auto Loans ii. InteresvDiscounts Eamed - Motorcycle Loans h. InteresuDiscounts Eamed - Other Loans and Discounts i. Interest - Mortgage and Contract Receivables j. Interest - Past Due / ltems in Litigation k. Interest - Investments l. 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 I Litigation / Assets Acquired Expenses 10 Bad Debts Written-Off 11 Provisions 12 Other Exgenses c. NET OPERATTNG TNCOME / (LOSS) D, Add: Recoverios, Profits & Reduction in Val. Reserves 1 Recoveries on charged-offassets a. Loans and Discounts b. Securities c. 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. Loans and Discounts b. Securities c. Bank Premises, Fumiture, Fixtures & Equipment d. Others 2 Additional Valuation Reserves 3 Loss on Assets Sold or Exchanged 4 Others F NET INCOME BEFORE INCOME TA)( Provision for Income Tax H NET INCOME AFTER TAX

ANALYSIS OF UNDIVIDED PROFIT ACCOUNT A. Balance at the beginning of the period covered by this report o. Additions during the period: 1 Net Income (Loss) during the period 2 Others (specify) a o Total undivided profib during the period D. Deductions during the period: 1 Amount transfened to Withdrawable Share Reserves 2 Amount transfened to Sumlus Free 3 Amount transf€ned to Surplus Reserves 4 Others (specify) a. b. E. Balance at the end of the period ANAYSIS OF SURPLUS ACCOUNT A. Balance at the beginning ofthe period B. Additions during the period: 1 Transfened from Undivided Profits during the period 2 Others (specify) a, C. Total D. 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: Total capital contribution eligible for dividends D. 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 _ day of _, 200_, affiant exhibiting to me his/her Community Tax Certificat€ No. _ issued at Doc. No. Page No. Book No. Series of 200_.