8/8/2017 LUZON DEVELOPMENT BANK.

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LUZON DEVELOPMENT BANK

Published Balance Sheet
Amounts in Philippine Pesos
As of December 31, 2016

ASSETS
Current Quarter Previous Quarter
Cash and Cash Items 205,442,150.45 135,889,515.40
Due from Bangko Sentral ng Pilipinas 1,175,378,517.58 1,001,411,063.73
Due from Other Banks 81,296,620.25 97,629,869.87
Financial Assets at Fair Value through Profit or Loss 0.00 0.00
Available-for-Sale Financial Assets-Net 0.00 0.00
Held-to-Maturity (HTM) Financial Assets-Net 4,420,420.17 3,939,079.07
Unquoted Debt Securities Classified as Loans-Net 16,602,758.01 29,946,859.88
Investments in Non-Marketable Equity Security-Net 0.00 0.00
Loans and Receivables - Net 2,950,173,222.35 3,156,049,312.63
Loans to Bangko Sentral ng Pilipinas 0.00 0.00
Interbank Loans Receivable 0.00 0.00
Loans and Receivables - Others 2,824,567,166.31 2,984,325,727.85
Loans and Receivables Arising from RA/CA/PR/SLB 147,923,254.00 196,190,263.00
General Loan Loss Provision 22,317,197.96 24,466,678.22
Other Financial Assets 341,851,615.89 336,708,430.62
Equity Investment in Subsidiaries, Associates and Joint Ventures-Net 12,420,613.75 12,420,613.75
Bank Premises, Furniture, Fixture and Equipment-Net 84,304,714.75 77,232,149.48
Real and Other Properties Acquired-Net 351,842,920.64 401,959,950.48
Non-Current Assets Held for Sale 0.00 0.00
Other Assets-Net 251,618,545.91 317,297,509.18
Net Due from Head Office/Branches/Agencies, if any (Philippine branch of a foreign bank) 0.00 0.00
TOTAL ASSETS 5,475,352,099.75 5,570,484,354.09

LIABILITIES
Financial Liabilities at Fair Value through Profit or Loss 0.00 0.00
Deposit Liabilities 4,785,362,511.51 4,950,040,685.26
Due to Other Banks 0.00 0.00
Bills Payable 0.00 0.00
a) BSP (Rediscounting and Other Advances) 0.00 0.00
b) Interbank Loans Payable 0.00 0.00
c) Other Deposit Substitutes 0.00 0.00
d) Others 0.00 0.00
Bonds Payable-Net 0.00 0.00
Unsecured Subordinated Debt-Net 0.00 0.00
Redeemable Preferred Shares 0.00 0.00
Special Time Deposit 0.00 0.00
Due to Bangko Sentral ng Pilipinas 0.00 0.00
Other Financial Liabilities 38,090,045.09 22,325,214.94
Other Liabilities 301,502,572.55 194,060,441.76
Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign bank) 0.00 0.00
TOTAL LIABILITIES 5,124,955,129.15 5,166,426,341.96

STOCKHOLDERS' EQUITY
Capital Stock 392,746,300.00 392,746,300.00
Other Capital Accounts (167,618,384.87) (144,550,407.59)
Retained Earnings 125,269,055.47 155,862,119.72
Assigned Capital 0.00 0.00
TOTAL STOCKHOLDERS' EQUITY 350,396,970.60 404,058,012.13
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 5,475,352,099.75 5,570,484,354.09

CONTINGENT ACCOUNTS
Guarantees Issued 0.00 0.00
Financial Standby Letters of Credit 0.00 0.00
Performance Standby Letters of Credit 0.00 0.00
Commercial Letters of Credit 0.00 0.00
Trade Related Guarantees 0.00 0.00
Commitments 0.00 0.00
Spot Foreign Exchange Contracts 0.00 0.00
Securities Held Under Custodianship by Bank Proper 0.00 0.00
Trust Department Accounts 0.00 0.00

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a) Trust and Other Fiduciary Accounts 0.00 0.00
b) Agency Accounts 0.00 0.00
c) Advisory/Consultancy 0.00 0.00
Derivatives 0.00 0.00
Others 598,634.08 215,252.02
TOTAL CONTINGENT ACCOUNTS 598,634.08 215,252.02
OTHER INFORMATION
Gross Total Loan Portfolio (TLP) 3,090,678,372.15 3,289,320,381.30
Specific allowance for credit losses on the TLP 118,187,951.84 108,804,390.45
Non-Performing Loans (NPL)
a. Gross NPLs 544,175,490.99 517,066,469.62
b. Ratio of gross NPLs to gross TLP (%) 17.60 15.71
c. Net NPLs 425,987,539.15 408,262,079.17
d. Ratio of Net NPLs to gross TLP (%) 13.78 12.41
Classified Loans & Other Risk Assets, gross of allowance for credit losses 619,258,583.26 630,256,316.41
DOSRI Loans and receivables, gross of allowance for credit losses 7,349,758.78 4,115,337.88
Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP (%) 0.23 0.12
Gross non-performing DOSRI loans and receivables 0.00 0.00
Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0.00 0.00
Percent Compliance with Magna Carta (%)
a. 8% Micro and Small Enterprises 9.05 9.66
b. 2% for Medium Enterprises 24.34 27.48
Return on Equity (ROE) (%) (38.44) (40.63)
Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations
a. Total CAR (%) 6.88 9.01
b. Tier 1 CAR (%) 6.20 8.33
c. Common Tier 1 Ratio (%) 0.00 0.00
Deferred Charges not yet Written Down 0.00 0.00
Unbooked Allowance for Credit Losses on Financial Instruments Received 0.00 0.00

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