PostalBank

FINANCIAL HIGHLIGHTS

	As of December 2006 (Audited)	As of December 2007 (Audited)	As of December 2008 (Unaudited)
Total Resources	P 4,119.17	P 4,809.29	P 6,381.09
Total Deposits	P 3,450.99	P 4,283.41	P 5,393.83
Total Loan Portfolio	P 1,733.53	P 1,866.58	P2,093.42
Total Investment Portfolio	P 1,515.20	P1,541.23	P 3,423.34
Net Income	P 25.19	P 24.18	P 19.18

PPSB Ranking in the Thrift Bank Industry

In terms of:

PPSB Ranking (As of June 2008)

Assets

16^th

Capital

33^rd

Loans Portfolio

17^th

Deposits

15^th

Return on Equity

17^th

CAMELS RATING

	PPSB As of Dec 2008	Thrift Bank Industry As of Sept 2008
Capital Adequacy
Capital Adequacy Ratio (CAR)	13.65%	15.16%
Total Capital Accounts to Total Assets	6.28%	12.08%
Asset Quality **
Non-performing Loans (NPL) Ratio (inclusive of IBL)	5.94%	6.47%
Non-performing Loans (NPL) Ratio (exclusive of IBL)	10.00%	6.93%
NPL Coverage Ratio 2/	45.39%	55.03%
Non-performing Assets(NPA) to Gross Assets	6.07%	9.43%
NPA Coverage Ratio 3/	22.38%	28.98%
Distressed Assets Ratio 4/	10.00%	8.07%
Profitability
Cost to Income Ratio	132.10%	91.57%
Return on Assets (ROA)	0.34%	0.04%
Return on Equity (ROE)	4.72%	0.34%
Liquidity
Cash and Due from Banks to Deposits	8.62%	14.26%
Liquid Assets to Deposits	72.09%	32.82%
Loans, gross to Deposits	40.66%	77.58%

Note
* as of March 2008
** as of October 2008