c886
TRANSCRIPT
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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
-
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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
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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
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(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
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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
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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
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
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(
'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$idents
I
401
50000000200000
0.0c
0.0(
0.0c
0.0( 0.0(
0.0(
0.0(
1
lentral
GovernmenUCentral
Banks
401
50005500200000
0.0c
0.0(
0.0c
0.0( 0.0(
0.0(
0.0(
z,
Public
Sector Entities
401
50006000200000
0.0c
0.0(
0.00
0.0(
0.0(
0.0(
0.0(
5.
Loans
to Coroorations
401 50006500200000
0.0c
0.0(
0.0c
0.0(
0.0(
0.0(
0.0(
Loans
to
|ndividuals
401
50007000200000
0.0(
0.0( 0.0c
0.0(
0.0(
0.0(
0.0(
rOTAL
401
50000000000000
0.01
0.0( 0.0c
0.0(
0.0(
0.0(
0.0(
'
Of
which
loans r rsarl
to mmnlv wifh
Adrari.n Flofnm/f)thar
\orarian
Reform Loans
1401
50501015100000
0.0(
0.0c
0.0( 0.0c
0.00
0.0(
0.0(
)\
fther
Agricultural
Credit
Loans
1401
50501
020100000
0.0(
0.0(
0.0( 0.0c
0.0c
0.0(
0.00
-
7/26/2019 c886
10/107
Loanr
and Recolvrbl..
.
otherr
1'
t*
,
"at*
laa6ifrod r
to
strtr.
Toirl
Amount
Particulars
Account
Code
a b
c
d
g
f
s
Gunent
Past Due
But
Not Yet Non-
Performing
Past Due and
Arcady
Non-Performlng
Items
ln
Lltlgatlon
Total
Loans
Alowance
for
Credit
Lo$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$es
Net
Carrying
Amount
1401
500
0.0(
0.0(
(til,
0.0(
0.0(
0.0(
0.0(
buul
z5zuouuuoo
0.0(
0.0(
14Ur
5UU12C25600000
0.0(
0.0(
rnnge
'r4u
t
buul
0.0(
0.0(
14U15001
0.0c
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0c
0.0(
0.0c
0.0(
0.0c
JUl Ut'UUOUU
0.0c
0.0c
buu r
3u2u6u0000
0.0c
0.01
'r4u1
5UU1
3025600000
0.0(
0.0(
trsEre
rnouslry
teal
Estate
Loans
401
5001
0.0(
0.0(
0.0(
0.0c
0.0(
0.0(
0.0(
401
5001
0.0c
0.0(
0.0(
0.0c
0.0(
0.0(
0.0(
40
0.0(
0.0(
trxceeorng
0.0(
0.0(
0.0c
0.0c
0.0(
0.0(
0.0(
rrogram
0.0(
0.0c
12)lothers
1401
5001
3500642200
0.0(
0.00
lommercial
Real
Estate
Loans
1401
5001351
0640000
0.0(
0.0(
\gricultural
14015001
351
5640000
0.0(
0.0(
4. 3ills Purchased
'1401
50014000600000
0.0(
0.0(
0.0(
0.0(
0.0c
0.0(
0.0(
\.
:xport Bills Purchased
1401
50014000610000
0.0(
0.0(
Sills Purchased
-
Documentary
1
401 5001
4000620000
0.0(
0.0(
Sills
Purchased
-
Clean
1401
50014000630000 0.0(
0.0(
5
Uustomers' Liability
on
Bills/Drafts
Under LC/TR
1401
5001 4500600000
0.0t 0.0(
0.0(
0.00
0.0(
0.0(
0.0(
A. mport Bills
I
1401
5001450061
0000
0.0(
0.0(
B.
mport Bills
Under
TRs
140'150014500620000
0.0(
0.0c
6 Sustomers' Liability
for
this Banks' Acceptances
Outstanding
1
401 5001
5000620000
0.0(
0.0c
7.
Sross Non-Periorming
Loans
1401
5001
851 2600000
0.0(
0.001
0.0(
8.
Allowance
for
Credit Losses
1
401
5001 9000600000
-
0.0(
1/lncludes
Restruclured
Loans
-
7/26/2019 c886
13/107
&ndd -l z
Loanr.nd
R.clvaU6
-
Oth.rt
r'
ldz
Cl..til.d I b
afiur
Fo'tlgn
R.lulrr
Particulars
Account
Code
a
b
c
d
o
I
o
Currenl
Past Due
But Not Yet
Itlon-Performlng
Past
Due
and Alrsady
Non-Performlng
Items In
Litigation Total
Loans
Allowance
for Gredit
Losses
Net
Garrylng
Amount
InUS$ 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 I nstitrrtiorF
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 Enterpriss
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 Sll
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-Basd
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
Rform
Loans
140150501
0151
00000
0.0(
0.0(
0.0(
o.o(
f,thr Agricultural
Credit Loans
140150501
020100000
0.0(
0.0c
0.0(
0.0(
-
7/26/2019 c886
14/107
lrtclrL$d
Loana
.nd
R.c tYl |..
.
Olh.r:
t'
Cl...lll.d
-
to
Sldur
Fonlgn
R.gul.r
Partlculars
Account
Code
a
b
c
d o
T
s
Current
P.st
Due But Not Yot
Non-Porfomlng
Pa.t
Duo
and
Ar.ady
Non-Performlng
Itoms In
Lltlgatlon
Total Loan3
Allowance
for
Crodlt
Lo3sos
Net
Carrylng
Amount
InUS$
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(
tcured 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
Assts
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
Benfit 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)
Othr 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
exceding P3.5 millim 1401stru135Ur641(x)O
0.0( 0.0(
0.0(
0.0(
ii)
=xceedirE
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(
1)
3r.taranleed under the
National
Shelter
Progr
14015(x)135fl)642100
0.0(
0.0(
0.0(
0.(x
.2)
Jhrs
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(
\ . lx por t 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,
ilrstomrs' 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
Undr
TRs
1401500145{X}02(xD0
0.0( 0.(x
0.0( 0.0(
6 lustomrs' Liattlity for
this
Banks' Acceptancs
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
-
7/26/2019 c886
15/107
ach.d0t.,fi.3
Los|lt .nd R.c.lvabla .
olhars
r'
r.tz
C|.3.m.d .a
to
Stafua
FCDU'EFCDU
Partlcularg
Account Code
a b c
d
e
q
Gurrent
Past Oue
But
Not Yet Non-
Performlng
Past Due
and
Already
Non-
Performlng
Items ln
Lltlgatlon
Total Loans
Allowanco
for
Gredlt
Lo$6s
Not
Carrylng
Amount
InUS$
PSO
Eotriv
InUS$
Peso
Fdriv
InUS$
Pe6o
Eouiv.
InUS$
Peso
Eouiv
InUSg
lJeso
Eorriv
InUSt
Peso
Forriv
InUS$
P6O
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. Crdn
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$ldents
1 40 1
50000000200000 0.0( 0.0(
0.0( 0.0(
0.0c 0.0(
0.0(
0.0c
0.0(
0.0( 0.0c 0.0(
0.0( 0.0(
1
lentral
Govemmenuoentral Banks
1
401
50005500200000
0.0(
0.0(
0.0( 0.0(
2.
Public
Sector
Entities
1401
50006000200000
0.0(
0.0(
0.0(
0.0c
3 Loans
to Corooralion:
140150006500200000
0.0( 0.0(
0.0(
0.0c
4 Loans to
lndividuals 1
40
1
50007000200000
0.0(
0.0(
0.0(
0.0c
rOTAL
1401
50000000000000 0.0c
0.0(
0.0(
0.0c 0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0(
0.0( 0.0( 0.0c
' Of which loans
rrsd to
mmnlv
with
Adrari^n Flefom/Ofher
Anrinr rlfi ral I
qrarian
Reform
Loans
1401
50501 0151
00000
0.0(
0.0c
0.0(
0.0(
2l
Cther Aoricultural
Credit
Loans 1
401
50501 0201 00000
0.0( 0.0c
0.0(
0.0(
-
7/26/2019 c886
16/107
&h.dut.
t,td
Loanr .nd R.catvabtaa
.
otholr
r'
2.rz
Cl.t tflad
ar lo Strtua
FCD[I'EFCDU
Partlculars
Account
Code
a
b c
d
o
f
q
Current
Past Due But
Not Yet
Non-
Portormlng
Past Due and
Already Non-
Performlng
Items
In
Lltlgatlon
Total
LoanE
Allowance for
Credlt Lossog
Net
Garrylng
Amount
InUS$
Peso
Forriv
InUS$
PgO
Fntriv
InUSS
Peso
Eouiv-
InUS$
Peso
Eouiv.
InUSg
Peso
Eorriv
InUS$
Peso
Fnr iv
InUS$
P60
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'
Acceptancs
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
-
7/26/2019 c886
17/107
& c c clLc
Lofia and
Rlc.lv|blar
- olh..t
'
d.raliad
..
to Statua
Fodgn
ofibc
Partlculars
Account Cods
a
c
e
q
Gurrent
Pa3t Due
But
Not
Yel Non-
Performing
Past Due and
Aheady Non-
Performing
Items in
Litlgation
Total
Loang
Allowanco
for
Credit Los8o6
ilet
Canylng
Amount
InUS$
Pso
Equiv
InUS$
Peso
Equiv.
lnUS$
Pso
Equiv.
InUS$
P6o
Equiv.
InUS$
Peso
Equiv.
InUS$
Peso
Equiv.
InUS$
Peso
Equiv.
residen$-I
l
1401 s(XXXXXX)lqXXX)
0.0(
0.0(
o.(X 0.fi
0.0(
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1401 50000500120000
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1401500030(X)1000q)
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1401 50003500160000
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'1401
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1401 5000450510m00
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14015000451
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1401 5001
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14015001351
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1401
50014500600000
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500145006100(n
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this Banks' Accptances
O ut st an di m 1 40 15 00 1s 00 06 20 00 0
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1401 50018512600000
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of I
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Codo
a b
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140151000000100000
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1401
510005001 21
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51000500122000
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1 401
51
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1401
51
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1401 510020001
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1401
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140'151002010't00000
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1 401 51
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1401
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1401510U500100000
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1 401
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1401
5100451 0100000
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5't 00451
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1401
51
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1401 51 00451 21
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140150501020100000
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1 401 51 0000001
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140151 0005001231
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140151000500123200
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a
140151
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401 51 0020051
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401
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a/
401
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401
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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(
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Particulars
Account
Code
a
b
G
d
e
I
g
Curront
Part
Due But
ilot Yst
Non+erforming
Pa3t
Due
and Aready
Non+odormlng
Itom3
In Lltigation
Total Loans
Allowanca
for
Cradlt
Loales
Net
Carrylng Arnount
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
>urooses
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
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
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7/26/2019 c886
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and
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I oti
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to
8t tu.
FCDU'EFCOI'
Particulars
Account Codo
a
b c d
3
I
q
Curront
Past
Drc
But
l{ot
Yot
Non-Pertorming
Past Oue
and Alreadt
Non-Performlng
Items
in
Lltigation
Total Loans
Allowanco for
Crdit
Lo33s
Net Canylng Amount
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
Govmment 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.