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  20132012Amount%Resources  Cash and othe cash items27,834.0021,539.006,295.0029.23 Due from BSP408,383.00156,591.00251,792.00160.80 Due from other banks26,939.0012,645.0014,294.00113.04 Trading and investment securities227,910.00237,294.00(9,384.00)(3.95) Loans and other receivables (net)922,553.00760,500.00162,053.0021.31 Premises, furniture, fixtures and equipment (net)17,908.0016,390.001,518.009.26 Investment properties (net)10,381.009,089.001,292.0014.21 Other resources (net)30,880.0027,479.003,401.0012.38 Total Resources1,672,788.001,241,527.00 431,261.0034.74 Liabilities and Equity  Deposit Liabilities1,345,333.00931,641.00413,692.0044.40 Bills Payable94,243.0072,179.0022,064.0030.57 Subordinated Notes payable3,007.0028,180.00(25,173.00)(89.33) Other Liabilities65,841.0055,156.0010,685.0019.37 TOTAL LIABILITIES1,508,424.001,087,156.00421,268.0038.75EQUITY Attributable to: Shareholders of the Parent Bank163,711.00153,714.009,997.006.50 NCI643.00657.00(14.00)(2.13) TOTAL EQUITY164,354.00154,371.009,983.006.47 Total Liabilities and Equity1,672,778.001,241,527.00 431,251.0034.74Reference: Page 7* Interpretation: There may be a problem in their collection of accounts. They need to change their credit termsINCREASE(DECREASE)BDO Unibank Group Comparative Statements of Financial Position For the years ended 2012 & 2013(Amounts In Millions of Philippine Pesos)  20132012Trend PercentageResources  Cash and othe cash items27,834.0021,539.00129.23% Due from BSP408,383.00156,591.00260.80% Due from other banks26,939.0012,645.00213.04% Trading and investment securities227,910.00237,294.0096.05% Loans and other receivables (net)922,553.00760,500.00121.31% Premises, furniture, fixtures and equipment (net)17,908.0016,390.00109.26% Investment properties (net)10,381.009,089.00114.21% Other resources (net)30,880.0027,479.00112.38% Total Resources1,672,788.001,241,527.00 134.74% Liabilities and Equity  Deposit Liabilities1,345,333.00931,641.00144.40% Bills Payable94,243.0072,179.00130.57% Subordinated Notes payable3,007.0028,180.0010.67% Other Liabilities65,841.0055,156.00119.37% TOTAL LIABILITIES1,508,424.001,087,156.00138.75%EQUITY Attributable to: Shareholders of the Parent Bank163,711.00153,714.00106.50% NCI643.00657.0097.87% TOTAL EQUITY164,354.00154,371.00106.47% Total Liabilities and Equity1,672,778.001,241,527.00 134.74%Reference: Page 7BDO Unibank Group Comparative Statements of Financial Position For the years ended 2012 & 2013(Amounts In Millions of Philippine Pesos)  20132012Resources  Cash and othe cash items1.66%1.73% Due from BSP24.41%12.61% Due from other banks1.61%1.02% Trading and investment securities13.62%19.11% Loans and other receivables (net)55.15%61.26% Premises, furniture, fixtures and equipment (net)1.07%1.32% Investment properties (net)0.62%0.73% Other resources (net)1.85%2.21% Total Resources 100.00%100.00% Liabilities and Equity  Deposit Liabilities80.43%75.04% Bills Payable5.63%5.81% Subordinated Notes payable0.18%2.27% Other Liabilities3.94%4.44% TOTAL LIABILITIES90.17%87.57%EQUITY Attributable to: Shareholders of the Parent Bank9.79%12.38% NCI0.04%0.05% TOTAL EQUITY9.83%12.43% Total Liabilities and Equity 100.00%100.00%Reference: Page 7From the data above, it can be seen that the total resources is composed mostly of Loans and other receivbles which is 55.15%. Judging from the sharp increase in receivables, the deterioration in cash position may be a result of inability to collect from customers.BDO Unibank Group Common Size Balance Sheet For the years ended 2012 & 2013(Amounts In Millions of Philippine Pesos)  Increase (Decrease)20132012AmountPercent Interest Income56,606.0054,014.002,592.004.80Interest Expense13,440.0017,893.00(4,453.00)(24.89)Net Interest Income43,166.0036,121.007,045.0019.50Impairment Loss7,001.004,941.002,060.0041.69Net Interest Income after Impairment Losses36,165.0031,180.004,985.0015.99Other Operating Income31,844.0024,427.007,417.0030.36Other Operating Expenses43,259.0039,494.003,765.009.53Profit Before Tax24,750.0016,113.008,637.0053.60Tax Expense2,104.001,571.00533.0033.93Net Profit 22,646.0014,542.00 8,104.0055.73 Reference: Page 8 BDO Unibank Group Comparative Statements of Income For the Year 2012 & 2013(Amount in millions in Philippine Pesos)
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