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LUZON DEVELOPMENT BANK

Published Balance Sheet
As of December 31, 2009

ASSETS
Cash and Cash Items 20,762,909.64
Due from Bangko Sentral ng Pilipinas 229,371,126.15
Due from Other Banks 193,118,362.99
Financial Assets at Fair Value through Profit or Loss -
Available for Sale Financial Assets Net -
Held to Maturity (HTM) Financial Assets - Net -
Unquoted Debt Securities Classified as Loans - Net 143,523,186.12
Investments in Non-Marketable Equity Security - Net -
Loans and Receivables - Net 1,026,426,138.01
Loans to Bangko Sentral ng Pilipinas -
Interbank Loans Receivables -
Loans and Receivables - Others 1,007,093,949.15
Loans and Receivables Arising from Repo, CA/Participation 29,000,000.00
General Loan Loss Provision 9,667,811.14
Other Financial Assets 305,412,884.12
Equity Investment in Subsidiaries, Associates and Joint Ventures - Net 11,003,700.00
Bank Premises, Furniture, Fixture and Equipment - Net 67,593,738.98
Real and Other Properties Acquired - Net 347,459,727.47
Non-Current Assets Held for Sale -
Other Assets - Net 28,229,493.05
Due from Head Office/Branches/Agencies (Phil branch or Foreign bank) -
TOTAL ASSETS 2,372,901,266.53

LIABILITIES
Financial Liabilities at Fair Value through Profit or Loss -
Deposit Liabilities 1,901,547,248.74
Due to Other Banks -
Bills Payable -
a) BSP (Rediscounting and Other Advances) -
b) Interbank Loans Payable -
c) Other Deposit Substitutes -
d) Others -
Bonds Payable - Net -
Unsecured Subordinated Debt - Net -
Redeemable Preferred Shares -
Special Time Deposit -
Due to Bangko Sentral ng Pilipinas -
Other Financial Liabilities 5,794,105.06
Other Liabilities 82,350,779.40
Due to Head Office/Branches/Agencies (Phil. branch of a foreign bank) -
TOTAL LIABILITIES 1,989,692,133.20

STOCKHOLDERS' EQUITY
Capital Stock 287,175,451.00
Other Capital Account 63,035,735.63
Retained Earnings 32,997,946.70
Assigned Capital -
TOTAL STOCKHOLDERS' EQUITY 383,209,133.33
TOTAL LIABILITIES & STOCKHOLDERS' EQUITY 2,372,901,266.53

CONTINGENT ACCOUNTS
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Guarantees Issued -
Financial Standby Letters of Credit -
Performance Standby Letters of Credit -
Commercial Letters of Credit -
Trade Related Guarantees -
Commitments -
Spot Foreign Exchange Contracts -
Securities Held Under Custodianship by Bank Proper -
Trust Department Accounts -
a) Trust and Agency Accounts -
b) Agency Accounts -
c) Advisory/Consultancy -
Derivatives -
Others 3,025,665.30
TOTAL CONTINGENT ACCOUNT 3,025,665.30
OTHER INFORMATION
Non-Performing Loans (NPLs) 29,060,121.79
Ratio of Non-Performing Loans to Total Loan Portfolio (NPL to TLP) 2.79
Classified Loans and Other Risk Assets 52,658,569.93
Specific Provisions for Loan Losses 11,170,657.95
Return on Equity (ROE) 22.42
DOSRI Loans and Receivables 52,161,960.99
Past Due DOSRI Loans and Receivables 0.00
Ratio of Past Due DOSRI Loans and Receivables to TLP 0.00
Percent Compliance with Magna carta 0.00
a. 8% Micro and Small Enterprises 21.37
b. 2% for Medium Enterprises 22.78
Capital Adequacy Ratio (CAR on Solo Basis) under Circular No. 538 or Circular No.
280 0.00
a. Total (Solo Basis) 19.39
b. Tier 1 (Solo Basis) 19.46
Deferred Charges not yet Written Down 0.00
Unbooked Allowance for Probable Losses on Financial Instructions Received 0.00

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