Ownership Structure:
Top 20 Stockholders (as of September 30, 2007)
| Name |
%
to TOTAL |
| Social Security System |
19.24% |
| Gloria M. Garcia |
12.25% |
| Asian Development Bank |
7.55% |
| Roland M. Garcia |
5.48% |
| Ma. Victoria G. Padilla |
5.47% |
| Raymond M. Garcia |
5.47% |
| Gary M. Garcia |
5.46% |
| Dionisio C. Ong |
5.13% |
| Government Service Insurance
System |
3.65% |
| Rosie De Leon |
1.35% |
| R. Coyiuto Securities, Inc. |
1.31% |
| Accord Capital Equities Corporation |
1.01% |
| Quality Investments & Securities Corp. |
0.97% |
| M. Yu or A. Yang or Yangtze Young |
0.78% |
| Regina Capital and Development Corp |
0.75% |
| Fabian V. Marcos |
0.65% |
| UOB-KAY hian Securities (Phils.), Inc. |
0.64% |
| ATB Retirement Fund |
0.55% |
| Baretto C. Sy |
0.51% |
| SB Equities, Inc. |
0.50% |
Annual
Report For Fiscal Year 2005 
Annual
Report For Fiscal Year 2006
Annual
Report For Fiscal Year 2007
Financial Highlights - Last 10 Years
(in million pesos except per share and ratio data)
| |
2007 |
2006 |
2005 |
2004 |
2003 |
2002 |
2001 |
2000 |
1999 |
1998 |
| FOR THE YEAR |
|
|
|
|
|
|
|
|
|
|
| Gross Income |
1,339.85 |
1,366.99 |
1,113.87 |
991.34 |
925.13 |
1,068.87 |
1,060.22 |
1,028.40 |
1,244.26 |
1,626.45 |
| Net Interest Income |
406.97 |
432.74 |
386.97 |
353.50 |
323.33 |
404.07 |
403.74 |
448.94 |
426.08 |
621.90 |
| Other Income |
363.99 |
344.26 |
147.24 |
183.54 |
212.98 |
150.19 |
137.24 |
161.74 |
215.81 |
179.59 |
| Other Expenses |
618.23 |
611.12 |
496.76 |
441.29 |
507.03 |
542.44 |
453.11 |
389.68 |
366.88 |
364.34 |
| Net Earnings After Tax |
99.33 |
102.57 |
65.81 |
72.28 |
39.4 |
36.55 |
30.06 |
80.13 |
40.02 |
214.30 |
|
|
|
|
|
|
|
|
|
|
|
| TOTAL AT YEAR-END |
|
|
|
|
|
|
|
|
|
|
| Resources |
13,201.86 |
14,299.62 |
13,167.86 |
12,210.79 |
10,765.69 |
10,038.70 |
9,003.37 |
8,570.70 |
8,577.41 |
9,055.82 |
| Loans - gross |
6,198.69 |
6,757.64 |
6,901.86 |
7,175.95 |
6,214.10 |
6,556.30 |
6,232.60 |
6,419.10 |
6,499.73 |
6,508.14 |
| Deposits |
10,596.49 |
10,968.94 |
10,149.81 |
9,145.19 |
8,072.47 |
6,983.70 |
5,999.98 |
4,685.89 |
5,576.77 |
5,610.66 |
| Capital Funds |
1,487.99 |
1,467.43 |
1,665.59 |
1,622.63 |
1,514.93 |
1,461.13 |
1,428.32 |
1,593.17 |
1,684.30 |
1,706.68 |
|
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|
|
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|
|
|
| OTHER DATA |
|
|
|
|
|
|
|
|
|
|
| Net Earnings Per Common Share |
0.96 |
0.99 |
0.63 |
0.69 |
0.38 |
0.35 |
0.29 |
0.77 |
0.38 |
2.06 |
| Return on Average Equity |
6.72% |
5.92% |
4.05% |
4.80% |
2.66% |
2.51% |
1.99% |
4.89% |
2.39% |
13.14% |
| Return on Average Assets |
0.72% |
0.76% |
0.51% |
0.67% |
0.41% |
0.40% |
0.34% |
0.93% |
0.45% |
2.45% |
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Network