PostalBank

FINANCIAL HIGHLIGHTS

	As of December 2008 (Audited)	As of December 2009 (Audited)	As of December 2010 (Unaudited)
Total Resources	P 6,333.15	P 5,583.39	P 5,316.68
Total Deposits	P 5,346.75	P 4,629.49	P 4,555.93
Total Loan Portfolio	P 2,093.42	P 1,999.83	P 2,098.58
Total Investment Portfolio	P 3,423.34	P 2,779.55	P 1,747.64
Net Income	P 18.43	P 24.59	P 14.58

PPSB Ranking in the Thrift Bank Industry

In terms of:

PPSB Ranking (As of December 2010)

Assets

19^th

Capital

30^th

Loans Portfolio

19^th

Deposits

15^th

Investments

11^th

Return on Equity

31^st

CAMELS RATING

	PPSB As of December 2010	Thrift Bank Industry As of March 2010
Capital Adequacy
Capital Adequacy Ratio (CAR)	16.95%	12.15%
Total Capital Accounts to Total Assets	8.42%	11.87%
Asset Quality **
Non-performing Loans (NPL) Ratio (inclusive of IBL)	12.13%	7.85%
Non-performing Loans (NPL) Ratio (exclusive of IBL)	14.45%	8.00%
NPL Coverage Ratio 2/	39.91%	50.43%
Non-performing Assets(NPA) to Gross Assets	9.04%	9.11%
NPA Coverage Ratio 3/	23.04%	30.05%
Distressed Assets Ratio 4/	17.88%	14.89%
Profitability
Cost to Income Ratio	97.52%	76.23%
Return on Assets (ROA)	0.26%	0.63%
Return on Equity (ROE)	3.32%	5.49%
Liquidity
Cash and Due from Banks to Deposits	13.34%	14.75%
Liquid Assets to Deposits	61.40%	34.99%
Loans, gross to Deposits	49.24%	76.35%