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

- 96 -This account is composed of the following (by counterparties):BDO Unibank GroupParent Bank2011 2010 2011 2010Due to other banksDemand P 841 P 714 P 788 P 702Savings 1,959 2,874 1,959 2,874Time 1,796 4,334 1,796 1,9504,596 7,922 4,543 5,526Due to customersDemand 47,658 44,731 35,271 32,787Savings 480,558 423,150 481,188 423,813Time 325,757 306,832 317,746 300,508853,973 774,713 834,205 757,108P 858,569 P 782,635 P 838,748 P 762,634The breakdown of deposit liabilities, as to currency, follows:BDO Unibank GroupParent Bank2011 2010 2011 2010Foreign currencies P 206,618 P 217,049 P 200,000 P 209,524Peso 651,951 565,586 638,748 553,110The maturity profile of this account is presented below.P 858,569 P 782,635 P 838,748 P 762,634BDO Unibank GroupParent Bank2011 2010 2011 2010Less than one year P 792,225 P 708,223 P 774,462 P 693,130One to five years 55,100 59,469 53,042 54,561Beyond five years 11,244 14,943 11,244 14,943P 858,569 P 782,635 P 838,748 P 762,634The BDO Unibank Group’s and Parent Bank’s deposit liabilities are in the form ofdemand, savings and time deposit accounts both bearing annual interest rates of 0% to8.3% in 2011 and 0% to 9.7% in 2010. Demand and savings deposits usually have bothfixed and variable interest rates while time deposit has fixed interest rate except for onetranche of the peso-denominated long-term negotiable certificates of deposits(LTNCDs) which are repriced every quarter.