1 1 1

Second Semester 2016

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ii
Table of Contents
Page Number
Glossary of Terms i
Prologue v

The Philippine Financial System:

Sustaining the Growth Momentum 1

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%%%%%%%%%%%%%%%%%%%%%!"&%^E*)*0N*J%T#2)-%E/$#0&$$%U0(&),)#$&$%92(%-;%LGGL_% %%%%%%%%%%%%%%%%%%%%%%2
%%%E-Y%9)32+&%?->%L[%1/$(*#0#0N%M#0*02#*+%O#0F*N&$%C#("%9$#*%
%%%%%%%%%%%%%%%%%%%%%%6X"#+#,,#0&%E*0F$`%D)-$$SE-).&)%M#0*02#*+%X-$#3-0%
%%%%%%%%%%%%%%%%%%%%%%*$%-;%U0.S1&,(&'=&)%LGIA7%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%4
%%%%E-Y%9)32+&%?->%4[%1()*(&N#2%X-+#2J%<&;-)'%9N&0.*%;-)%LGI@%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%%6

The Banking Sector

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%%%%!)/$(%V,&)*3-0$ 19
%%%%!"&%M-)&#N0%D/))&02J%P&,-$#(%a0#(%1J$(&'%%% % 22
!"&%M-)&#N0%E*0F%E)*02"&$%*0.%1/=$#.#*)#&$%% 25

The Non-Bank Financial Institutions

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?-0S1(-2F%1*R#0N$%*0.%O-*0%9$$-2#*3-0$ 32

Appendices
%%%%!*=+&$%% % % %%%%%%
Schedules
%%%%P#)&2(-)J%-;%X"#+#,,#0&%E*0F$%*$%-;%4I%P&2&'=&)%LGIA

Supervision and Examination Sector

ii iii i
 Second Semester 2016

Glossary of Terms
A. SELECTED ACCOUNTS
1. !"#$#%"$&' ()*+,-#.' /$%0$.)' 1!(/2 #$% *% $&(% -;% c0*02#*+% $(*(&'&0($% ;-)% ,)/.&03*+% )&,-)30N% ,/),-$&$%%
2-',-$&.% -;% ("&% E*+*02&% 1"&&(8% ]02-'&% 1(*(&'&0(% *0.% 1/,,-)30N% 12"&./+&$>% !"&% M<X% #$% ,)#'*)#+J%
.&$#N0&.% (-% *+#N0% ("&% E1X% )&,-)(-)#*+% )&d/#)&'&0($% C#("% ("&% ,)-R#$#-0$% -;% ("&% X"#+#,,#0&% M#0*02#*+%
<&,-)30N%%1(*0.*).$%6XM<17\X"#+#,,#0&%922-/030N%1(*0.*).$%6X917%*0.%E*$&+%4S=*$&.%D*,#(*+%9.&d/*2J%
M)*'&C-)F>%](%#$%*+$-%.&$#N0&.%(-%'&&(%E1X`$%$(*3$32*+%)&d/#)&'&0($>

2. Total Assets )&;&)% (-% ("&% $/'% -;% *++% 0&(% *$$&($8% *.e/$(&.% (-% 0&(% -;% ^P/&% ;)-'% f&*.% VW2&\E)*02"&$\
9N&02#&$_%*0.%^P/&%(-%f&*.%VW2&\E)*02"&$\9N&02#&$_%-;%;-)&#N0%=*0F%=)*02"&$>

3. !"#$#%"$&' 344)54' 1657),' 57$#' 8+$#4' $#9' ()%)":$;&)42 )&;&)% (-% ("&% $/'% -;% *++% #0R&$('&0($% #0% c0*02#*+%
*$$&($8%0&(%-;%.#)&2(%&d/#(J%#0R&$('&0($>%!"&$&%#02+/.&%c0*02#*+%*$$&($%"&+.%;-)%()*.#0N%6fM!78%.&$#N0*(&.%
*(%;*#)%R*+/&%(")-/N"%,)-c(%-)%+-$$%6PM:XO78%*R*#+*=+&S;-)S$*+&%69M178%"&+.S(-S'*(/)#(J%6f!T78%/0d/-(&.%
.&=(%$&2/)#3&$%2+*$$#c&.%*$%+-*0$%6aP1DO7%*0.%#0R&$('&0($%#0%0-0S'*)F&(*=+&%&d/#(J%$&2/)#3&$%6]?TU17>%

4. <=>"5?'@#:)45A)#54 )&;&)%(-%&d/#(J%#0R&$('&0($%#0%$/=$#.#*)#&$8%*$$-2#*(&$%*0.%e-#0(%R&0(/)&$>

B>% M-)%,/),-$&$%-;%2-',/30N%("&%*R&)*N&8%-0&%,&)#-.%2-R&)$%IL%'-0("$>

%%%%%%%*> 3:),$.)'$44)54 )&;&)%(-%("&%$/'%-;%(-(*+%*$$&($%*$%-;%&0.%-;%(C-%,&)#-.$%.#R#.&.%=J%L>

%%%%%%%=>%3:),$.)'%$*"5$& )&;&)$%(-%("&%$/'%-;%(-(*+%2*,#(*+%*22-/0($%*$%-;%&0.%-;%(C-%,&)#-.$%.#R#.&.%=J%L>

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6. !"#$#%"$&'8"$;"&"-)4'C)&9'D+,'E,$9"#.'1C!E2 )&;&)%(-%("&%$/'%-;%.&)#R*3R&$%C#("%0&N*3R&%;*#)%R*+/&%"&+.%
%%%%%%%%;-)%()*.#0N%*0.%+#*=#+#(J%;-)%$"-)(%,-$#3-0>

7. !"#$#%"$&'8"$;"&"-)4'F)4".#$5)9'$5'!$",'G$&>)'E7,+>.7'/,+H5'+,'8+44'1F!G/82 )&;&)%(-%c0*02#*+%+#*=#+#3&$%%
%%%%%%%("*(%/,-0%#0#3*+%)&2-N0#3-0%*)&%.&$#N0*(&.%=J%("&%=*0F%*(%;*#)%R*+/&%(")-/N"%,)-c(%-)%+-$$>

8. I#4)%>,)9' J>;+,9"#$5)9' F);5' 1I#JF2 )&;&)$% (-% ("&% *'-)3g&.% 2-$(% -;% -=+#N*3-0$% *)#$#0N% ;)-'% ("&%
#$$/*02&%-;%/0$&2/)&.%$/=-).#0*(&.%.&=(%C"#2"%'*J%=&%&+#N#=+&%*$%!#&)%L%6$/,,+&'&0(*)J7%2*,#(*+%-;%("&%
=*0F8%$/=e&2(%(-%2&)(*#0%(&)'$%*0.%2-0.#3-0$>

9. ()9))A$;&)' /,)D),,)9' J7$,)4 r&;&)% (-% ,)&;&))&.% $"*)&$% #$$/&.% C"#2"% ,)-R#.&$% ;-)% )&.&',3-0% -0% *%
$,&2#c2%.*(&>%

10. Total Capital r&;&)$% (-% ("&% $/'% -;% ,*#.S#0% 2*,#(*+% -;% +-2*++J% #02-),-)*(&.% =*0F$8% *$$#N0&.% 2*,#(*+% *0.%
("&% *++-C*=+&% 2-',-0&0(% -;% ("&% 0&(% ^P/&% !-\P/&% M)-'% f&*.% VW2&\E)*02"&$\9N&02#&$_% *22-/0($% -;%
=)*02"&$% -;% ;-)&#N0% =*0F$8% -("&)% &d/#(J% #0$()/'&0($8% )&(*#0&.% &*)0#0N$% *0.% /0.#R#.&.% ,)-c($8% -("&)%
2-',)&"&0$#R&%#02-'&8%*0.%*,,)*#$*+%#02)&'&0(%)&$&)R&>

11. <$,#"#.'344)54 )&;&)%(-%("&%$/'%-;%./&%;)-'%E1X8%./&%;)-'%-("&)%=*0F$8%c0*02#*+%*$$&($S.&=(%$&2/)#3&$%

60&(% -;% *++-C*02&78% c0*02#*+% *$$&($% fM!S.&)#R*3R&$% C#("% ,-$#3R&% ;*#)% R*+/&% fM!S#0(&)&$(% )*(&% 2-0()*2($%
6$(*0.S*+-0&%*0.%&'=&..&.78%*0.%!OX%#02+/$#R&%-;%]EO%*0.%<<X$%60&(%-;%*++-C*02&7>

i !"#$%&$'()#*+,-%*.$/%0,".$1#+#0%)2#34
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iv
 61&..7+/

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+#*=#+#3&$8% =#++$% ,*J*=+&8% /0$&2/)&.% $/=-).#0*(&.% .&=(8% =-0.$% ,*J*=+&8% )&.&&'*=+&% ,)&;&))&.% $"*)&$8%
.&)#R*3R&$%C#("%0&N*3R&%;*#)%R*+/&%"&+.%;-)%"&.N#0N%*0.%c0*02&%+&*$&%,*J'&0(%,*J*=+&>

13. 8"=>"9'344)54%)&;&)%(-%("&%$/'%-;%2*$"%*0.%./&%;)-'%=*0F$%*0.%-("&)%c0*02#*+%*$$&($%60&(%-;%*++-C*02&%%
%%%%%%%;-)%2)&.#(%+-$$&$7>%

14. E+5$&'6*),$-#.'@#%+Ae%)&;&)$%(-%("&%$/'%-;%0&(%#0(&)&$(%#02-'&%*0.%0-0S#0(&)&$(%#02-'&>

15. K)5'@#5),)45'@#%+A) )&;&)$%(-%("&%.#h&)&02&%=&(C&&0%#0(&)&$(%#02-'&8%,)-R#$#-0%;-)%+-$$&$%-0%*22)/&.%

%%%%%%%#0(&)&$(%#02-'&%;)-'%c0*02#*+%*$$&($%*0.%#0(&)&$(%&Y,&0$&>

16. /,+:"4"+#'D+,'8+44)4'+#'3%%,>)9'@#5),)45'@#%+A)'D,+A'!"#$#%"$&'344)54 )&;&)$%(-%("&%#',*#)'&0(%+-$$%-0%

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%%%%%%%2/))&0(%-,&)*3-0$>

17. K+#B@#5),)45'@#%+A)')&;&)$%(-%("&%$/'%-;%.#R#.&0.%#02-'&8%;&&S=*$&.%#02-'&%6#02+/.#0N%#02-'&%;)-'%
c./2#*)J% *23R#3&$78% ()*.#0N% #02-'&8% ;-)&#N0% &Y2"*0N&% ,)-c($8% ,)-c($% ;)-'% $*+&\.&S)&2-N0#3-0% -;%
0-0S()*.#0N%c0*02#*+%*$$&($%*0.%+#*=#+#3&$8%,)-c($%;)-'%$*+&\.&S)&2-N0#3-0%-;%0-0Sc0*02#*+%*$$&($8%,)-c($%
-0%c0*02#*+%*$$&($%*0.%+#*=#+#3&$%PM:XO8%,)-c($%-0%;*#)%R*+/&%*.e/$('&0(%#0%"&.N&%*22-/030N%*0.%-("&)%
0-0S#0(&)&$(%#02-'&>

18. F":"9)#9'@#%+A) )&;&)$%(-%2*$"%.#R#.&0.$%&*)0&.%-0%&d/#(J%$&2/)#3&$%"&+.%*$%fM!8%PM:XO8%9M1%*0.%]?TU1>

19. !))B;$4)9' @#%+A)% )&;&)$% (-% ("&% $/'% -;% #02-'&% ;)-'% ,*J'&0(% $&)R#2&$8% #0(&)'&.#*3-0% $&)R#2&$8%%
2/$(-.#*0$"#,8% /0.&)C)#30N% *0.% $&2/)#3&$% .&*+&)$"#,8% $&2/)#3g*3-0% *23R#3&$8% c./2#*)J% *23R#3&$% *0.%%
-("&)%;&&S=*$&.%#02-'&>

20. E,$9"#.'@#%+A) )&;&)$%(-%("&%$/'%-;%)&*+#g&.%N*#0$\6+-$$&$7%;)-'%$*+&\)&.&',3-08%*0.%/0)&*+#g&.%N*#0$%%

6+-$$&$7%;)-'%'*)F#0NS(-S'*)F&(%-;%fM!%c0*02#*+%*$$&($8%*0.%)&*+#g&.%N*#0$\6+-$$&$7%;)-'%;-)&#N0%&Y2"*0N&%%
()*0$*23-0$>

21. K+#B@#5),)45'<L*)#4)4 )&;&)%(-%("&%$/'%-;%2-',&0$*3-0%*0.%;)#0N&%=&0&c($8%(*Y&$%*0.%+#2&0$&$8%-("&)%

*.'#0#$()*3R&%&Y,&0$&$8%.&,)&2#*3-0%*0.%*'-)3g*3-08%#',*#)'&0(%+-$$&$%*0.%,)-R#$#-0$>

22. 8+44)4'+,'()%+:),")4'+#'!"#$#%"$&'344)54 )&;&)%(-%("&%$/'%-;%,)-R#$#-0%;-)%2)&.#(%+-$$&$%-0%+-*0$%*0.%

)&2&#R*=+&$%*0.%-("&)%c0*02#*+%*$$&($8%=*.%.&=($%C)#Z&0S-h%*0.%)&2-R&)J%-0%2"*)N&.S-h%*$$&($>

23. @#%+A)'E$L'<L*)#4) )&;&)$%(-%,)-R#$#-0%;-)%#02-'&%(*Y>

24. K)5' /,+H5' +,' 8+44 )&;&)$% (-% ("&% .#h&)&02&% -;% (-(*+% -,&)*30N% #02-'&% *0.% 0-0S#0(&)&$(% &Y,&0$&$8% ,+/$%
6+&$$7%("&%)&2-R&)#&$\%6+-$$&$7%-0%c0*02#*+%*$$&($8%$"*)&%#0%("&%,)-c(\6+-$$7%-;%/02-0$-+#.*(&.%$/=$#.#*)#&$8%
*$$-2#*(&$8%e-#0(%R&0(/)&$%*0.%'#0-)#(J%#0(&)&$(%#0%,)-c(\6+-$$7%-;%$/=$#.#*)#&$>

25. K+#B/),D+,A"#.'8+$#4'1K/82%)&;&)%(-%,*$(%./&%+-*0%*22-/0($%C"-$&%,)#02#,*+%*0.\-)%#0(&)&$(%#$%/0,*#.%%
;-)%4G%.*J$%-)%'-)&%*H&)%./&%.*(&>%!"#$%*,,+#&$%(-%+-*0$%,*J*=+&%#0%+/',%$/'%*0.%#0%d/*)(&)+J8%%$&'#S*00/*+%
-)%*00/*+%#0$(*++'&0($8%#02+/.#0N[%("&%-/($(*0.#0N%=*+*02&%-;%+-*0$%,*J*=+&%#0%'-0("+J%#0$(*++'&0($%C"&0%
(")&&%-)%'-)&%#0$(*++'&0($%*)&%#0%*))&*)$i%("&%-/($(*0.#0N%=*+*02&%-;%+-*0$%,*J*=+&%#0%.*#+J8%C&&F+J%-)%
$&'#S'-0("+J% #0$(*++'&0($% C"&0% ("&% (-(*+% *'-/0(% -;% *))&*)*N&$%)&*2"&$%IG%,&)2&0(% -;% ("&%(-(*+% +-*0%
)&2&#R*=+&% =*+*02&i% *0.% % )&$()/2(/)&.% +-*0$% C"#2"% .-% 0-(% '&&(% ("&% )&d/#)&'&0($% (-% =&% ()&*(&.% *$%
,&);-)'#0N%+-*0$%/0.&)%&Y#$30N%)/+&$%*0.%)&N/+*3-0$8%#02+/.#0N%*++%#(&'$%#0%+#3N*3-0>%Uh&23R&%j*0/*)J%
LGI48%D#)2/+*)%?->%@@L%.*(&.%IA%V2(-=&)%LGIL%)&'-R&.%("&%&Y2+/$#-0%-;%+-*0$%d/*+#c&.%*$%+-$$%;)-'%?XO%
2+*$$#c2*3-0%;-)%("&%)&,-)30N%-;%N)-$$%?XO$%*0.%("&%)*3-%-;%N)-$$%?XO$%(-%N)-$$%!OX>%!"&%2-',+&'&0(*)J%
Supervision and Examination Sector ii
v v v
 Second Semester 2016

2-02&,($%-;%0&(%?XO$%6N)-$$%?XO$%+&$$%$,&2#c2%*++-C*02&%;-)%2)&.#(%+-$$&$%-0%!OX7%*0.%("&%)*3-%-;%0&(%?XO$%
(-%N)-$$%!OX%C&)&%*+$-%#0()-./2&.>

26. ()$&'$#9'657),'/,+*),-)4'3%=>",)9'1(6/32 )&;&)%(-%)&*+%*0.%-("&)%,)-,&)3&$8%-("&)%("*0%("-$&%/$&.%;-)%%

=*0F#0N%,/),-$&$%-)%"&+.%;-)%#0R&$('&0(8%*2d/#)&.%=J%("&%=*0F%#0%$&Z+&'&0(%-;%+-*0$%(")-/N"%;-)&2+-$/)&%%
or dacion% #0% ,*J'&0(% *0.\-)% ;-)% -("&)% )&*$-0$8% C"-$&% 2*))J#0N% *'-/0(% C#++% =&% )&2-R&)&.% ,)#02#,*++J%
(")-/N"%*%$*+&%()*0$*23-0>

27. K+#B/),D+,A"#.' 344)54' 1K/32 )&;&)% (-% ("&% $/'% -;% ?XO% *0.% <VX98% N)-$$>% Uh&23R&% T*)2"% LGG48% ?X9$%
&Y2+/.&%,&);-)'#0N%$*+&$%2-0()*2(%)&2&#R*=+&$8%C"#2"%'&(%2&)(*#0%)&d/#)&'&0($%/0.&)%D#)2/+*)%?->%4QG>
E*$&.%-0%("&%0&C%M<X%;)*'&C-)F%,)-R#.&.%;-)%/0.&)%D#)2/+*)%?->%BIL%.*(&.%4%M&=)/*)J%LGGA%*0.%&h&23R&%
-0%4I%P&2&'=&)%LGGA8%?X9%$"-/+.%*+$-%#02+/.&%0-0S2/))&0(%*$$&($%"&+.%;-)%$*+&>

28. F"45,)44)9'344)54')&;&)%(-%("&%$/'%-;%?XO$8%<VX98%N)-$$8%0-0S2/))&0(%*$$&($%"&+.%;-)%$*+&%*0.%,&);-)'#0N%
)&$()/2(/)&.%+-*0$%)&,+*2#0N%("&%2/))&0(%)&$()/2(/)&.%+-*0$>

29. Gross Assets )&;&)%(-%(-(*+%*$$&($%,+/$%*++-C*02&%;-)%2)&.#(%+-$$&$%-0%+-*0$i%*++-C*02&%;-)%2)&.#(%+-$$&$%

-0%$*+&$%2-0()*2(%)&2&#R*=+&$%61D<7i%*0.%*++-C*02&%;-)%+-$$&$%-0%<VX9>%M-)%,/),-$&$%-;%2-',/30N%("&%
?X9%)*3-%C"&)&%N)-$$%*$$&($%$&)R&%*$%("&%.&0-'#0*(-)8%*++-C*02&%;-)%&d/#(J%#0R&$('&0($%#$%&Y2+/.&.>%
1*#.%*++-C*02&%)&;&)$%(-%("&%2/'/+*3R&%*'-/0(%-;%#',*#)'&0(%+-$$%#02/))&.%-0%&d/#(J%#0R&$('&0($%#0%
$/=$#.#*)#&$8%*$$-2#*(&$%*0.%e-#0(%R&0(/)&$%C"#2"%$"*++%=&%*22-/0(&.%;-)%#0%*22-).&02&%C#("%X91%4A>

30. 3&&+M$#%)'+#'K/34 )&;&)$%(-%("&%$/'%-;%*++-C*02&%;-)%2)&.#(%+-$$&$%-0%+-*0$8%*++-C*02&%;-)%2)&.#(%+-$$&$%

-0%1D<8%*++-C*02&%;-)%+-$$&$%-0%<VX9>

31. K+#BN>,,)#5'344)54'C)&9'D+,'J$&) r&;&)%(-%<VX9$%("*(%*)&%*R*#+*=+&%;-)%#''&.#*(&%$*+&%#0%("&#)%,)&$&0(%

2-0.#3-0%$/=e&2(%-0+J%(-%(&)'$%("*(%*)&%/$/*+%*0.%2/$(-'*)J%;-)%$*+&$%-;%$/2"%*$$&($%*0.%("&%$*+&%'/$(%%
=&%"#N"+J%,)-=*=+&>

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Supervision and Examination Sector iv

ivi vii ivi
 Second Semester 2016

Prologue
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Supervision and Examination Sector 3

 Second Semester 2016
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Sustaining Financial Linkages with Asia

(Philippine Banks Cross-Border Financial Position as of End-September 2016)a

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Figure 2. Cross-Border Financial Position of Philippine Banks

As of 30 September 2016

A. By Sectoral Counterparty B. By Financial Account

0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%

USD1.0Bn
Due from
Debt Securities Other
CLAIMS USD15.3 Bn CLAIMS
USD8.1Bn USD10.1Bn Banks
USD4.9Bn

USD1.0Bn Bonds Payable, USD1.7Bn

Deposit
LIABILITIES USD15.4Bn Bills Payable Liabilities
LIABILITIES
USD9.7Bn USD2.1Bn

USD1.1Bn
Other Accounts
0% 20% 40% 60% 80% 100% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%
Note: Bills Payable are composed of (a) interbank loans payable
Bank Non-Financial Non-Bank FI
[USD841.6 million]; (b) repurchase agreements [USD201.1 million];
Note: Unallocated claims by sector (USD4.4 million), which and, (c) other bills payable [USD52.0 million].
represent less than 1 percent of total cross-border financial claims
from the US, are excluded in this figure.

___________________________

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Figure 3. Cross-Border Financial Position: Country and Regional Comparison

As of 30 September 2016
CLAIMS LIABILITIES Figure 4. Cross-Border Financial Position of Philippine Banks vis--vis ASEAN-5
As of 30 September 2016
100% OTHERS OTHERS Others, USD1.1Bn
USD1.4Bn USD1.1Bn
Others, USD1.7Bn
A. By Sectoral Counterparty B. By Financial Account
90% EUROPE
USD2.8Bn EUROPE 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%
80% USD3.8Bn USD229.0Mn Loans, USD644.6Mn
70% NORTH AMERICA
Interbank
USD9.4Bn NORTH AMERICA USD2.3 Bn Debt Securities
CLAIMS USD3.0Bn CLAIMS Call Loans
60% USD3.7Bn USD1.9Bn
CHINA, USD251.6Mn USD789.5Mn

50% JAPAN
CHINA, USD755.1Mn USD52.5Mn Due from Other Banks, USD296.0Mn
USD1.5Bn
40% JAPAN Due to Head
Asia-Pacific Bills
USD1.7Bn Office/Branches/Agencies
30%
ASEAN-5 LIABILITIES USD4.0Bn
USD10.0Bn LIABILITIES Payable
ASEAN-5 USD4.1Bn USD1.9Bn Abroad
USD1.4Bn
20%
USD3.9Bn Asia-Pacific
USD10.3Bn USD108.5Mn Other Accounts Deposits, USD164.1Mn
ASIA PACIFIC (excl. ASIA PACIFIC (excl.
0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%
10% ASEAN-5, Japan & China) ASEAN-5, Japan & China)
USD4.4Bn USD3.5Bn Bank Non-Financial Non-Bank FI Note: Bills Payable are composed of (a) interbank loans payable
0% Note: Unallocated claims by sector (USD533
(USD533.88 thousand),
sand which [USD841.0 million]; (b) repurchase agreements [USD1.1 billion]; and,
represent less than 1 percent of total cross-border financial claims. (c) other bills payable [USD1.2 thousand].
Note: Asean-5 includes (1) Indonesia; (2) Singapore; (3) Malaysia; and (4) Thailand. Meanwhile, Others include
(1) Africa and Middle East; (2) Latin America and Caribbean; (3) Offshore Centers; and (4) Multilateral Agencies

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Supervision and Examination Sector 7