Via ODiSy March 22, 2012 PHILIPPINE STOCK EXCHANGE ... - BDO

- 45 -The analysis of the maturity groupings of resources, liabilities and off-book items as ofDecember 31, 2011 and 2010 in accordance with account classification of the BSP, arepresented below. The amounts disclosed in the maturity analysis are the contractualundiscounted cash flows using the primary contractual maturities or behavioralassumptions on core levels (e.g., core deposit liabilities and core deposit substitutes withmaturities within one year have been classified in the more than three years category), ifthe latter is more relevant for purposes of profiling the liquidity gap. Suchundiscounted cash flows may differ from the amounts included in the statement offinancial position because the statement of financial position amounts are based ondiscounted cash flows.BDO Unibank Group2011MoreOne to than three More than Morethree months to one year to than threemonths one year three years years TotalResources:Cash and othercash items P 33,129 P - P - P - P 33,129Due from BSP/other banks 149,613 - - - 149,613Loans and otherreceivables 196,509 79,198 110,138 288,082 673,927Trading and investmentsecurities 6,248 9,576 25,382 147,212 188,418Other resources - 6,772 - 45,490 52,262Total Resources 385,499 95,546 135,520 480,784 1,097,349Liabilities and Equity:Deposit liabilities 247,847 7,954 5,957 596,811 858,569Bills and subordinatednotes payable 31,613 16,983 20,309 28,824 97,729Other liabilities 6,793 29,158 2,951 5,187 44,089Total Liabilities 286,253 54,095 29,217 630,822 1,000,387Equity - - - 96,962 96,962Total Liabilities and Equity 286,253 54,095 29,217 727,784 1,097,349On-book gap 99,246 41,451 106,303 ( 247,000 ) -Cumulative on-book gap 99,246 140,697 247,000 - -Contingent assets 236,326 38,544 23,717 15,321 313,908Contingent liabilities 251,414 38,495 23,627 15,232 328,768Off-book gap ( 15,088 ) 49 90 89 ( 14,860 )Net Periodic Gap 84,158 41,500 106,393 ( 246,911 ) ( 14,860 )Cumulative Total Gap P 84,158 P 125,658 P 232,051 (P 14,860 ) P -