8/8/2017 LUZON DEVELOPMENT BANK.

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LUZON DEVELOPMENT BANK

Published Balance Sheet
Amounts in Philippine Pesos
As of December 31, 2013

ASSETS
Cash and Cash Items 49,887,793.66
Due from Bangko Sentral ng Pilipinas 407,412,432.93
Due from Other Banks 148,185,617.58
Financial Assets at Fair Value through Profit or Loss 0.00
Available-for-Sale Financial Assets-Net 0.00
Held-to-Maturity (HTM) Financial Assets-Net 0.00
Unquoted Debt Securities Classified as Loans-Net 84,360,353.94
Investments in Non-Marketable Equity Security-Net 0.00
Loans and Receivables - Net 2,127,572,086.18
Loans to Bangko Sentral ng Pilipinas 0.00
Interbank Loans Receivable 0.00
Loans and Receivables - Others 2,147,835,284.71
Loans and Receivables Arising from RA/CA/PR/SLB 0.00
General Loan Loss Provision 20,263,198.53
Other Financial Assets 358,264,106.12
Equity Investment in Subsidiaries, Associates and Joint Ventures-Net 14,934,613.60
Bank Premises, Furniture, Fixture and Equipment-Net 34,857,711.19
Real and Other Properties Acquired-Net 311,375,270.88
Non-Current Assets Held for Sale 0.00
Other Assets-Net 108,965,040.62
Net Due from Head Office/Branches/Agencies, if any (Philippine branch of a foreign bank) 0.00
TOTAL ASSETS 3,645,815,026.70

LIABILITIES
Financial Liabilities at Fair Value through Profit or Loss 0.00
Deposit Liabilities 2,986,704,172.06
Due to Other Banks 0.00
Bills Payable 0.00
a) BSP (Rediscounting and Other Advances) 0.00
b) Interbank Loans Payable 0.00
c) Other Deposit Substitutes 0.00
d) Others 0.00
Bonds Payable-Net 0.00
Unsecured Subordinated Debt-Net 0.00
Redeemable Preferred Shares 0.00
Special Time Deposit 0.00
Due to Bangko Sentral ng Pilipinas 0.00
Other Financial Liabilities 12,003,286.41
Other Liabilities 165,976,009.18
Net Due to Head Office/Branches/Agencies (Philippine branch of a foreign bank) 0.00
TOTAL LIABILITIES 3,164,683,467.65

STOCKHOLDERS' EQUITY
Capital Stock 360,636,900.00
Other Capital Accounts 53,174,327.11
Retained Earnings 67,320,331.94
Assigned Capital 0.00
TOTAL STOCKHOLDERS' EQUITY 481,131,559.05
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY 3,645,815,026.70

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CONTINGENT ACCOUNTS
Guarantees Issued 0.00
Financial Standby Letters of Credit 0.00
Performance Standby Letters of Credit 0.00
Commercial Letters of Credit 0.00
Trade Related Guarantees 0.00
Commitments 0.00
Spot Foreign Exchange Contracts 0.00
Securities Held Under Custodianship by Bank Proper 0.00
Trust Department Accounts 0.00
a) Trust and Other Fiduciary Accounts 0.00
b) Agency Accounts 0.00
c) Advisory/Consultancy 0.00
Derivatives 0.00
Others 318,184.02
TOTAL CONTINGENT ACCOUNTS 318,184.02
OTHER INFORMATION
Gross Total Loan Portfolio (TLP) 2,200,322,931.10
Specific allowance for credit losses on the TLP 52,487,646.39
Non-Performing Loans (NPL)
a. Gross NPLs 153,927,139.62
b. Ratio of gross NPLs to gross TLP (%) 6.99
c. Net NPLs 101,439,493.23
d. Ratio of Net NPLs to gross TLP (%) 4.61
Classified Loans & Other Risk Assets, gross of allowance for credit losses 158,621,292.41
DOSRI Loans and receivables, gross of allowance for credit losses 75,026,638.41
Ratio of DOSRI loans and receivables, gross of allowance for credit losses, to gross TLP (%) 3.40
Gross non-performing DOSRI loans and receivables 0.00
Ratio of gross non-performing DOSRI loans and receivables to TLP (%) 0.00
Percent Compliance with Magna Carta (%)
a. 8% Micro and Small Enterprises 14.33
b. 2% for Medium Enterprises 34.36
Return on Equity (ROE) (%) 14.42
Capital Adequacy Ratio (CAR) on Solo Basis, as prescribed under existing regulations
a. Total CAR (%) 16.16
b. Tier 1 CAR (%) 15.03
Deferred Charges not yet Written Down 0.00
Unbooked Allowance for Credit Losses on Financial Instruments Received 0.00

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