Bank of the Philippine Islands (BPI)

VERTICAL ANALYSIS
For Years Ended December 31, 2012 and 2011

2012 Percentage (%)
ASSET
Cash and other cash items 23293 236
Due from bangko sentral ng
pilipinas 119079 12.09
Due from other banks 7582 0.77
Interbank loans receivable and
securities purchased under
agreements to resell 38927 3.95
Financial assets at fair value through
profit or loss
- Derivatives financial assets 5920 0.6
- Trading securities 22098 2.24
Available-for-sale-securities 106403 10.8
Held-to-maturity securities 76243 7.74
Loans and advances, net 526640 53.46
Assets held for sale, net 6887 0.7
Bank premises, furniture, fixtures
and equipment, net 12421 1.26
Investment properties, net 2582 0.26
Investment in subsidiaries and
associates, net 3680 0.37
Assets attributable to insurance
operations, net 13451 1.37
Deffered income tax assets, net 4915 0.5
Other resources, net 14948 1.52
Total asset 985069 100
LIABILITIES AND CAPITAL FUNDS

Deposit liabilities 802724 81.44
Derivative financial liabilities 5827 0.59
Bills payable 26280 2.67
Due to bangko sentral ng pilipinas
and other banks 2035 0.21
Manager's checks and demad drafts
outstanding 5794 0.59
Accrued taxes, interest and other
expenses 4819 0.49
Unsecured subordinated debt 5000 0.51
Liabilities attributable to insurance
operations 10793 1.1
Deferred credits and other liabilities 23725 2.41
Total liabilities 886547 90
Capital funds attributable to the
equity
Holders of bpi
Share capital 35562 3.61
Share premium 8317 0.84
Reserves 1603 0.16
Surplus 49613 5.04
Accumulated other comprehensive
income 2000 0.2
97095 9.86
Non-controlling interests 1427 0.14
Total capital funds 98522 10
Total liabilities and capital funds 985069 100




Metropolitan bank & trust company
VERTICAL ANALYSIS
For Years Ended December 31, 2012, 2011, 2010


2012 Percentage
ASSETS


Cash and Other Cash Items 24,382
2.34%
Due from Bangko Sentral ng Pilipinas 131,278
12.62%
Due from Other Banks 22,557
2.17%
Interbank Loans Receivable and
Securities Purchased

Under Resale Agreements 23,392
2.25%
Financial Assets at Fair Value Through
Profit or Loss
66,721
6.41%
Available-for-Sale Investments 122,958
11.82%
Held-to-Maturity Investments 51,451
4.94%
Loans and Receivables 525,703
50.52%
Investments in Subsidiaries
Investments in Associates and a Joint
Venture
16,705
1.61%
Property and Equipment 15,345
1.47%
Investment Properties 15,422
1.48%
Non-Current Asset Held For Sale 1,102
0.11%
Deferred Tax Assets 7,876
0.76%
Goodwill 6,409
0.62%
Other Assets 9,279
0.89%
TOTAL ASSETS 1,040,580
100.00%

LIABILITIES AND EQUITY

LIABILITIES

Deposit Liabilities

Demand 106,229
11.63%
Savings 305,034
33.39%
Time 327,431
35.84%

738,694
80.86%
Bills Payable and Securities Sold Under
Repurchase

Agreements 97,108
10.63%
Derivative Liabilities 6,692
0.73%
Accrued Interest and Other Expenses 8,342
0.91%

Managers Checks and Demand Drafts
Outstanding
3,489
0.38%
Income Taxes Payable 1,326
0.15%
Bonds Payable 11,834
1.30%
Subordinated Debt 14,243
1.56%
Deferred Tax Liabilities 244
0.03%
Other Liabilities 31,588
3.46%
TOTAL LIABILITIES 913,560
100.00%


EQUITY
Equity Attributable to Equity Holders of
the

Parent Company

Common stock 42,228
4.06%
Hybrid capital securities 6,351
0.61%
Capital paid in excess of par value 19,312
1.86%
Surplus reserves 1,108
0.11%
Surplus 48,692
4.68%
Net unrealized gain on available-for-sale
investments
2,438
0.23%
Equity in net unrealized gain on
available-for-sale

0.00%
investments of associates 758
0.07%
Translation adjustment and others -869
-0.08%

120,018
11.53%
Non-controlling Interest 7,002
0.67%

127,020
12.21%
TOTAL EQUITY 1,040,580
100.00%

ANALYSIS OF LANDBANK OF THE PHILIPPINES:
VERTICAL ANALYSIS (In Million Pesos)

ASSETS 2012 Inc./(Dec.) % Growth
Cash and Due from Banks 106,366 11,694 12%
Loan Portfolio-Net 299,226 -1,418 -1%
Investments-Net 256,377 36,330 17%
Bank Premises, Furniture and Equipment-Net 4,730 38 1%
Real and Other Properties Acquired-Net 4,453 60 1%
Other Resources-Net 10,659 -3,786 -26%
TOTAL ASSETS 681,811 42,918 7%

LIABILITIES AND CAPITAL

Deposit Liabilities 543,795 36,484 7%
Bills Payable 26,824 -6,555 -20%
Unsecured Subordinated Debt 17,434 10,500 151%
Other Liabilities 19,154 -501 -3%
TOTAL LIABILITIES 607,207 39,928 7%
TOTAL CAPITAL 74,604 2,990 4%
TOTAL LIABILITIES AND CAPITAL 681,811 42,918 7%








VERTICAL ANALYSIS ON BANCO DE ORO
ASSETS 2012 %
Cash and cash items
23,443,759,750.46 1.88%
Due from BSP
156,508,364,320.44 12.52%
Due from Other banks
12,644,423,252.23 9.83%
Financial Assets at Fair Value through Profir or Loss
8,297,715,892.39 0.66%
Available-for-Sale Financial Assets-Net
128,647,322,149.26 10.29%
Held To Maturity Financial assets-net
95,151,843,851.72 7.61%
Unquoted debt securities Classified as Loans-Net
5,537,482,857.02 0.44%
Investments in Non-Marketable Equity Security-Net
426,566,333.45 0.03%
Loans and Receivables-Net
741,651,750,835.14 59.32%
Interbank Loans Receivable
3,968,390,597.89 0.32%
Loans and Receivables-Others
746,591,853,717.36 59.71%
Loans and Receivables arising from RA/CA/PR/SLB
940,000,000.00 0.08%
General Loan Loss Provision
9,848,493,480.11 0.79%
Other Financial Assets
10,887,763,700.99 0.87%
Equity Investment in Subsidiaries, Associates and Joint Ventures-Net
4,641,609,061.83 0.37%
Bank Premises, Furniture, fixtures and Equipment-Net
17,864,557,319.48 1.43%
Real and Other Properties Acquired-Net
8,179,600,583.21 0.65%
Non-Current Assets Held for sales
864,261,618.19 0.07%
Other Assets-Net
35,520,281,228.67 2.84%
TOTAL ASSETS 1,250,267,302,754.48 100%


LIABILITIES

Financial Liabilities at Fair Value through Profit or Loss
3,470,989,578.85 0.32%
Deposit Liabilities
930,235,374,786.21 84.98%
Due To Other Banks
582,731.19 0.00%
Bills Payable
47,245,682,619.47 4.32%
a) BSP (Rediscounting and Other Advances)
1,244,084,786.08 0.11%
b) Interbank Loans Payable
22,043,850,000.00 2.01%
c)Other Deposit Subsidiaries
19,860,968,901.17 1.81%
d)Others
4,096,778,932.22 0.37%
Bonds Payable-Net
24,543,258,853.34 2.24%
Unsecured Subordinated Debt-Net
28,000,000,000.00 2.56%
Other Financial Liabilities
12,809,214,174.02 1.17%
Other Liabilities
48,332,145,534.16 4.42%
TOTAL LIABILITIES 1,094,637,248,277.24 100%


STOCKHOLDERS EQUITY

Capital Stock
104,846,759,334.26 67.37%
Other Capital Accounts
21,925,075,408.28 14.09%
Retained Earnings
28,239,189,753.40 18.15%
Minority Interest in Subsidiaries
619,029,981.30 0.40%
TOTAL STOCKHOLDERS' EQUITY 155,630,054,477.24 100%
TOTAL LIABILITIES AND STOCKHOLDERS EQUITY 1,250,267,302,754.48 100%
CONTINTGENT ACCOUNTS 2012 %
Guarantees issued 18,009,276.40 0.00%
Performance Standby Letters of Credit 16,826,901,531.91 1.33%
Commercial Letter of Credit 11,701,138,281.97 0.92%
Trade Realated Guarantees 772,894,145.17 0.06%
Commitments 101,322,122,231.04 7.99%
Spot Foreign Exchange Contacts 8,132,373,968.29 0.64%
Trust Department Accounts 816,903,244,022.01 64.40%
a) Trust and Other Fiduciary Accounts 343,763,583,196.60 27.10%
b) Agency Accounts 473,139,660,825.41 37.30%
Derivatives 303,859,478,058.18 23.95%
Others 8,963,727,106.37 0.71%
TOTAL CONTINGENT ACCOUNTS 1,268,499,888,621.34 100%