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  • 7/26/2019 c886

    1/107

    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

  • 7/26/2019 c886

    2/107

    financial assistance

    under an approved fringe benefit

    program

    should

    be

    reported/classified

    according to the

    purpose

    of

    the financial assistance

    (e.9.

    housing/real

    estate,

    motor vehicle,

    salary-based

    general-purpose

    consumption,

    etc.)

    X32t.2l

    43375.2

    Credit Granting

    a.

    Policies

    of

    financial institutions

    (Fls)

    shall

    be

    consistent

    with

    best

    practices

    and

    sound

    credit

    processes

    prescribed

    under

    BSP

    regulations, including

    a

    comprehensive

    assessment

    of

    the borrower's

    creditworthiness,

    and

    shall

    not

    be

    reliant on

    mere formula

    such

    as

    those

    automatically

    granted

    based

    on

    certain

    multiples

    of

    monthly

    salary

    or other

    regular

    compensation.

    b.

    Individual

    borrowing capacity should

    be

    prudently

    assessed

    considering

    reasonable

    estimates of total

    personal

    and

    household

    indebtedness

    as

    well

    as

    disposable

    income

    available

    for

    family

    and

    personal

    needs

    after

    considering

    debt

    servicing.

    c.

    Original loan

    term

    shall

    not

    exceed

    3

    years

    but

    may have

    longer

    maturity

    in

    meritorious cases

    provided

    that

    in

    no

    case shall

    maturity

    exceed 5

    years;

    No

    loan renewal

    shall be

    granted

    without

    re-assessing

    borrowing

    capacity and establishing continuing creditworthiness.

    Further,

    no

    loan renewal

    shall be allowed

    without

    payment

    of

    accrued

    interest

    receivable

    and

    substantial

    reduction

    in

    principal.

    d.

    ln

    the

    case

    of

    loan

    "takeout"

    from

    another

    Fl,

    the

    Fl

    taking

    out the

    loan(s)

    should

    ensure that the

    loan

    from

    the originating

    Fl has

    been

    fully

    settled.

    Fls

    are expected

    to

    institute adequate controls over

    loan

    "takeout"

    such as:

    (a)

    directly

    releasing

    the

    loan

    proceeds

    to

    the

    Fls

    where

    the

    loan

    will

    be

    taken ouq

    and

    (b)

    obtaining

    a copy

    of the

    official

    receipt

    evidencing

    full

    settlement

    of account

    from

    the

    originating

    Fl, among others.

    X321.314337S.3

    Consumer

    Protection

    -

    Fls

    are

    required

    to

    strictly

    adhere to

    BSP

    regulations

    on

    Financial Consumer

    Protection

    as

    prescribed

    under the

    following:

    a.

    PartTen

    entitled

    Consumer

    Protection of

    the

    Manual

    of

    Regulations for

    Banks;

    and

    b.

    Part 4

    of the

    Regulations

    Governing

    Non-Stock Savings

    and

    Loan

    Associations

    (S

    Regulations)

    X321.414337S.4

    Sanctions.

    -

    The

    Monetary

    Board

    may,

    at

    its evaluation

    and

    discretion,

    impose

    sanctions

    on

    an Fl

    and/or

    its

    Board,

    directors

    and

    officert

    proportionate to the

    gravity/seriousness

    of the

    offense in

    cases

    of

    persistent

    non-observance

    of the

    provisions

    contained

    herein.

    Page 2

    of

    5

  • 7/26/2019 c886

    3/107

    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 Receivablesthers

    -

    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.

    Page 3 of 5

  • 7/26/2019 c886

    4/107

    (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

    11b

    11c

    11d

    11e

    11a1

    11b1

    11c1

    11d1

    11e1

    11h1

    LLaZ

    Ltb2

    LLc2

    t1d2

    tle2

    tLhz

    11a3

    11b3

    11c3

    11d3

    11e3

    29d3

    LIa4

    LLb4

    LLc4

    ttd4

    Lte4

    29d49d

    33

    29dL 29d2

    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

    revise

    the

    reporting

    templates

    of

    the

    Consolidated Statement

    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.

    to

    of

    Page 4 of 5

  • 7/26/2019 c886

    5/107

    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

    Page 5 of 5

  • 7/26/2019 c886

    6/107

    Loans

    and

    Receivables

    -

    Others

    1/

    (At

    Net

    Carrying

    Amount,

    except

    for

    ltems

    12

    to

    l6 of

    the

    Additional

    Information)

    Schedule

    11

    1of

    3

    Particularc

    Account

    Code

    Peso

    Accounts

    Foreign Regular

    FCDU/EFCDU

    Forelgn

    Offices

    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

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    0.0(

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    0.0(

    0.0c

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    a.

    000

    0.00

    0.0(

    0.0(

    0.0(

    0.0(

    0.0c

    0.0c

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    50500500122000

    0.0(

    0.0(

    0.0(

    0.0(

    0.0(

    0.0c

    0.0c

    0.0(

    505005001

    23000 0.0(

    0.0(

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    4U1

    5U500500 1 231

    00

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    401

    50500500

    0.0(

    0.00 0.0c

    0.0(

    0.0(

    0.0(

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    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(

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    1401

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    0.0c

    0.0c

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    0.0( 0.0c

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    0.0c

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    0.0(

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    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(

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    14U1

    5U5045101

    011000

    0.0(

    0.0c

    0.0c

    0.0c

    0.0c

    0.0(

    0.0(

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    1401

    505045101

    Z

    0.0( 0.00

    0.0c

    0.0c

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    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

    1

    40'l

    50506000200000

    0.0(

    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.

  • 7/26/2019 c886

    7/107

    Loans

    and

    Receivables -

    Others

    il

    (At

    Net

    Garrying

    Amount, except for

    ltems

    12 to 16

    of

    the Additional

    Information)

    Schedule

    11

    2of3

    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

  • 7/26/2019 c886

    8/107

    Loans

    and

    Receivables

    -

    Others

    1'

    (At

    Net Garrying

    Amount,

    except

    for

    ltems

    12to

    16 of the

    Additional

    lnformation)

    Schedule

    11

    3of3

    Particulars

    Account

    Code

    Peso

    Accounts

    Forslgn Regular

    FCDU/EFCOU

    Foreign

    Offices

    Total

    InUS$

    Peso

    Equiv.

    InUS$

    Peso

    Equiv.

    InUS$

    Peso Equiv.

    ,|

    -oans

    with

    Specific Approval by

    the BSP

    (Section

    23

    of

    lircular

    No.

    1389,

    as amended)

    1

    401 5051

    6500600000

    0.0(

    lhort-term Loans

    to

    Resident

    Private

    Sector Borrowers

    ,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)

    1

    401 5051

    7000600000

    0.0(

    L

    -oans

    to

    Resident Private

    Sector Borrowers

    to

    be

    serviced

    rsing Foreign Exchange

    Purchased

    from Outside the

    lanking

    S)rstem

    (Section

    24.1

    of

    Circular No. 1389,

    as

    rmended)

    1401 5051

    7500600000

    0.0(

    -oans

    granted

    by

    EFCDU

    to

    Non-Resident

    to

    be

    serviced

    Jsing Foreign

    Exchange

    Purchased

    from Outside

    the

    lanking

    System

    (Section

    24

    ol

    Circular No.

    1389,

    as

    rmended)

    1401

    5051

    8000600000

    0.0(

    1/

    Includes Restructured Loans

  • 7/26/2019 c886

    9/107

    Lofir .nd R.cely.bt.r

    .

    others

    "

    "*'?#:

    ClrlCfl.d

    .3 to Shfua

    Tolll Anount

    Particula.s

    Account

    Code

    a

    b c

    d

    e

    f

    s

    Current

    Past

    Due

    But

    Not Yet

    Non-

    Performlng

    Paet

    Due

    and

    Already

    Non-Performlng

    Items

    in

    Litigation

    Total Loans

    Alowance

    for

    Gredlt Losses

    Net Carrylng

    Amount

    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(

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    0

    0.00t

    0

    0.0(

    0.0(

    4.

    140

    0

    0.0(

    0.0(

    0.0(

    l.

    140

    0.

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    0.0(

    0.0(

    0.0(

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    0.

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    0.0(

    0.0( 0.0c

    to

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    0

    0.0(

    0.0( 0.0c

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    to

    0

    0.0c

    0.0(

    0.0c

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    0.

    0.00

    0.0(

    0.0(

    ).

    140

    0

    0.

    0.0c

    0.0c

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    -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

  • 7/26/2019 c886

    10/107

    Loanr

    and Recolvrbl..

    .

    otherr

    1'

    t*

    ,

    "at*

    laa6ifrod r

    to

    strtr.

    Toirl

    Amount

    Particulars

    Account

    Code

    a b

    c

    d

    g

    f

    s

    Gunent

    Past Due

    But

    Not Yet Non-

    Performing

    Past Due and

    Arcady

    Non-Performlng

    Items

    ln

    Lltlgatlon

    Total

    Loans

    Alowance

    for

    Credit

    Lo$es

    Net Carrying

    Amount

    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

    1 401

    5001

    3505640000

    0.00

    0.0(

    0.0(

    0.0(

    0.0( 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

    1

    401 5001

    351

    5640000

    0.0(

    0.0(

    0.0(

    0.0(

    0.0(

    0.00

    0.0(

    4 Bills

    Purchased

    1

    401

    5001

    4000600000

    0.0t

    0.0(

    0.0( 0.0c

    0.0(

    0.00

    0.0(

    A.

    =xoort

    Bills Purchased

    1401

    5001400061

    0000

    0.0c

    0.0t

    0.0(

    0.0c

    0.0c

    0.0c

    0.0(

    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

  • 7/26/2019 c886

    11/107

    cdcttlllrt

    1.,2

    Loana

    rnd RacalvabLa

    .

    Othelt

    t'

    Cl..3llLd ar to Sldrs

    Particulars

    Account Code

    a

    b c

    d

    e

    s

    Current

    PaBt Due But

    Not Yet Non-

    Performing

    Past Due and

    Alroady

    Non.

    Pertoming

    Items in

    Litigation

    Total Loans

    Allowance

    for

    Credlt Losses

    Net

    Carylng

    Anount

    lesidents 401 50000000100000 0.0c 0.0(

    0.0( 0.0c

    0-6c

    0.0c

    0.0(

    0.0(

    1

    -oans

    to Govemment

    401

    500005001

    20000

    0.0(

    0.0(

    0.0(

    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

  • 7/26/2019 c886

    12/107

    Schdule 1la1

    2ot2

    Loans

    and Receivables

    -

    Others

    il

    Classified

    as

    to

    Status

    Peso Accounts

    Paftlculars

    Account

    Code

    a

    b

    c

    d

    e

    t

    g

    Current

    PaBt Due

    But

    Not

    Yet Non-

    Performlng

    Pasl

    Duo

    and

    Already

    Non-

    Performlng

    Items

    in

    Litlgatlon

    Total

    Loans

    Allowance for

    Credit Lo$es

    Net

    Carrying

    Amount

    1401

    500

    0.0(

    0.0(

    (til,

    0.0(

    0.0(

    0.0(

    0.0(

    buul

    z5zuouuuoo

    0.0(

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    0.0(

    Jnsecured

    I

    1

    /r01

    5001 3025600000

    0.0t

    0.0(

    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(

    ,D

    ,lot

    exceding

    P3.5 million

    1401500135q)41o(rc

    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

    Undf TRs

    1401

    5(x)145006200q)

    0.0( o.(X

    0.0( 0.0(

    6

    ]ustomers' Liability for

    this Banks' Accptances

    O ut st an di m 1 40 15 00 1s 00 06 20 00 0

    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

  • 7/26/2019 c886

    19/107

    Restructured

    Loans

    and

    Receivables

    Classified

    as to

    Status

    Total

    Amount

    Schedule llb

    l

    of I

    Particulars

    Account

    Codo

    a b

    c

    d

    e

    q

    Gurrent

    Past Due

    But

    Not

    Yet Non.

    Performing

    Past

    Due

    and

    Already

    Non-Performing

    Items in

    Lltigatlon

    Total Loans

    Allowance

    for

    Crodlt Losses

    Net

    Carrylng

    Amount

    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

    1 401

    51

    001 0001

    00000

    0.0( 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

    1 401 51

    002500100000

    0.0(

    0.0(

    0.0(

    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 Loa ns

    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

    GovernmenUCntral

    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(

  • 7/26/2019 c886

    20/107

    gclclcEl$.l

    Ratbuctu|td

    Lon3

    end

    Racahrablaa

    I

    ol I

    Clar.lfi.d a.

    to

    S'trtr3

    Plao

    Accounta

    Partlculars

    Account

    Gode

    a

    b

    c

    d

    e I

    q

    Current

    Past Due

    But

    Not

    Yet Non-

    Performing

    Past

    Due

    and

    Already Non-

    Performing

    Items in

    Lltlgatlon

    Total

    Loans

    Alowance for

    Gredit Losses

    l{et Garrylng

    Amount

    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. {at ional 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(

    "21

    Jther

    Agricultural credit Loans 1401

    50501 0201

    00000

    0.0c

    0.0(

  • 7/26/2019 c886

    21/107

    srlrt{rltrB

    R.dtucbnd

    Li.m

    md

    ir.o|9

    bl.r

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    ao stttr.

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    Account

    Code

    a

    b

    G

    d

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    g

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    Part

    Due But

    ilot Yst

    Non+erforming

    Pa3t

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    and Aready

    Non+odormlng

    Itom3

    In Lltigation

    Total Loans

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    Loales

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    Carrylng Arnount

    InUSg

    Ps Eouiv

    InUS$ P6o

    Eouiv. ln t.,S $

    Ps

    Equiv. InUS$

    Ps

    Eouiv

    InUSS P@

    Equiv.

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    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

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