BANGKO PANGASINAN - A RURAL BANK, INC

Credit Risk Concentrations to Specific Industry

DAGUPAN (HEAD OFFICE)
As of January 31, 2021

CLASSIFIED AS TO ECONOMIC ACTIVITY

AMOUNT PERCENT
1. Agriculture, Hunting & Forestry 2,001,167.01 4.52%
2. Mining and Quarrying 0.00%
3. Manufacturing 0.00%
4. Electricity Gas, Steam and Air-Conditioning Supply 0.00%
5. Water Supply, Sewerage, Waste management and Redmediation Activities 0.00%
6. Construction 1,208,333.49 2.73%
7. Wholesale & Retail Trade, Repair of Motor Vehicles, Motorcycles Personal and Household Goods 18,611,966.31 42.05%
8. Accomodation & Food Service Activities - 0.00%
9. Transportation and Storage 0.00%
10.Information and Communication 0.00%
11. Financial and Insurance Activities 1,546,666.62 3.49%
12. Real Estate Activities 11,297,982.87 25.53%
13. Professional, Scientific and technical Activities 0.00%
14. Administrative and Support Service Activities 0.00%
15. Public Administration and Defenses, Compulsary Social Security 0.00%
16. Education 3,480,032.90 7.86%
17. Human Health and Social Work Activities 0.00%
18. Arts, Entertainment and Recreation 0.00%
19. Other Service Activities 6,115,782.26 13.82%
20. Activities of Households as Employers and Undifferentiated goods and services Activities of Household for own use. 0.00%
21. Activities of Extra-Territorial Organizations and Bodies - 0.00%
TOTAL 44,261,931.46 100.00%
Less: Allowance for credit losses 1,497,483.30
General Loan Loss Provision 621,275.18
Total Loans and Receivables, net 42,143,172.98
Note: Loan exposure to a particular industry or economic sector exceeds 25% of total loan portfolio as per bank policy.
BANGKO PANGASINAN - A RURAL BANK, INC
Credit Risk Concentrations to Specific Industry
ALAMINOS BRANCH
As of January 31, 2021

CLASSIFIED AS TO ECONOMIC ACTIVITY

AMOUNT PERCENT
1. Agriculture, Hunting & Forestry 16,050,425.66 48.22%
2. Mining and Quarrying 0.00%
3. Manufacturing 0.00%
4. Electricity Gas, Steam and Air-Conditioning Supply 0.00%
5. Water Supply, Sewerage, Waste management and Redmediation Activities 0.00%
6. Construction 1,301,500.00 3.91%
7. Wholesale & Retail Trade, Repair of Motor Vehicles, Motorcycles Personal and Household Goods 8,994,397.56 27.02%
8. Accomodation & Food Service Activities 0.00%
9. Transportation and Storage 0.00%
10.Information and Communication 0.00%
11. Financial and Insurance Activities 0.00%
12. Real Estate Activities 6,941,927.62 20.85%
13. Professional, Scientific and technical Activities 0.00%
14. Administrative and Support Service Activities 0.00%
15. Public Administration and Defenses, Compulsary Social Security 0.00%
16. Education 0.00%
17. Human Health and Social Work Activities 0.00%
18. Arts, Entertainment and Recreation 0.00%
19. Other Service Activities 0.00%
20. Activities of Households as Employers and Undifferentiated goods and services Activities of Household for own use. 0.00%
21. Activities of Extra-Territorial Organizations and Bodies 0.00%
TOTAL 33,288,250.84 100.00%
Less: Allowance for credit losses 3,670,824.73
General Loan Loss Provision 44,155.15
Total Loans and Receivables, net 29,573,270.96
Note: Loan exposure to a particular industry or economic sector exceeds 25% of total loan portfolio as per bank policy.
BANGKO PANGASINAN - A RURAL BANK, INC
Credit Risk Concentrations to Specific Industry
BURGOS BRANCH
As of January 31, 2021

CLASSIFIED AS TO ECONOMIC ACTIVITY

AMOUNT PERCENT
1. Agriculture, Hunting & Forestry 4,154,462.90 22.45%
2. Mining and Quarrying 0.00%
3. Manufacturing 0.00%
4. Electricity Gas, Steam and Air-Conditioning Supply 0.00%
5. Water Supply, Sewerage, Waste management and Redmediation Activities 0.00%
6. Construction 3,386,203.08 18.30%
7. Wholesale & Retail Trade, Repair of Motor Vehicles, Motorcycles Personal and Household Goods 5,302,559.44 28.65%
8. Accomodation & Food Service Activities 200,000.66 1.08%
9. Transportation and Storage 0.00%
10.Information and Communication 0.00%
11. Financial and Insurance Activities 693,332.67 3.75%
12. Real Estate Activities 3,919,166.67 21.18%
13. Professional, Scientific and technical Activities 0.00%
14. Administrative and Support Service Activities 0.00%
15. Public Administration and Defenses, Compulsary Social Security 0.00%
16. Education 0.00%
17. Human Health and Social Work Activities 0.00%
18. Arts, Entertainment and Recreation 0.00%
19. Other Service Activities 850,000.00 4.59%
20. Activities of Households as Employers and Undifferentiated goods and services Activities of Household for own use. 0.00%
21. Activities of Extra-Territorial Organizations and Bodies - 0.00%
TOTAL 18,505,725.42 100.00%
Less: Allowance for credit losses 458,603.52
General Loan Loss Provision 56,240.00
Total Loans and Receivables, net 17,990,881.90
Note: Loan exposure to a particular industry or economic sector exceeds 25% of total loan portfolio as per bank policy.
BANGKO PANGASINAN - A RURAL BANK, INC
Credit Risk Concentrations to Specific Industry
AGUILAR BRANCH
As of January 31, 2021

CLASSIFIED AS TO ECONOMIC ACTIVITY

AMOUNT PERCENT
1. Agriculture, Hunting & Forestry 1,305,673.76 16.52%
2. Mining and Quarrying - 0.00%
3. Manufacturing - 0.00%
4. Electricity Gas, Steam and Air-Conditioning Supply - 0.00%
5. Water Supply, Sewerage, Waste management and Redmediation Activities - 0.00%
6. Construction - 0.00%
7. Wholesale & Retail Trade, Repair of Motor Vehicles, Motorcycles Personal and Household G 5,059,555.50 64.01%
8. Accomodation & Food Service Activities - 0.00%
9. Transportation and Storage - 0.00%
10.Information and Communication - 0.00%
11. Financial and Insurance Activities - 0.00%
12. Real Estate Activities 1,539,377.61 19.47%
13. Professional, Scientific and technical Activities - 0.00%
14. Administrative and Support Service Activities - 0.00%
15. Public Administration and Defenses, Compulsary Social Security - 0.00%
16. Education - 0.00%
17. Human Health and Social Work Activities - 0.00%
18. Arts, Entertainment and Recreation - 0.00%
19. Other Service Activities - 0.00%
20. Activities of Households as Employers and Undifferentiated goods and services Activities o - 0.00%
21. Activities of Extra-Territorial Organizations and Bodies - 0.00%
TOTAL 7,904,606.87 100.00%
Less: Allowance for credit losses 1,290,199.92
General Loan Loss Provision 54,036.48
Total Loans and Receivables, net 6,560,370.47
Note: Loan exposure to a particular industry or economic sector exceeds 25% of total loan portfolio as per bank policy.

Prepared by: Approved by:

Dexter R. Quinto Jay C. Rosario
Loan Servicing Assitant Branch Head-Aguilar
BANGKO PANGASINAN - A RURAL BANK, INC
Credit Risk Concentrations to Specific Industry
BOLINAO BRANCH
As of January 31, 2021

CLASSIFIED AS TO ECONOMIC ACTIVITY

AMOUNT PERCENT
1. Agriculture, Hunting & Forestry 18,866,588.88 55.59%
2. Mining and Quarrying - 0.00%
3. Manufacturing 0.00%
4. Electricity Gas, Steam and Air-Conditioning Supply 0.00%
5. Water Supply, Sewerage, Waste management and Redmediation Activities 0.00%
6. Construction 4,450,000.00 13.11%
7. Wholesale & Retail Trade, Repair of Motor Vehicles, Motorcycles Personal and Household Goods 9,491,571.82 27.96%
8. Accomodation & Food Service Activities 0.00%
9. Transportation and Storage 0.00%
10.Information and Communication 0.00%
11. Financial and Insurance Activities 0.00%
12. Real Estate Activities 1,133,333.36 3.34%
13. Professional, Scientific and technical Activities 0.00%
14. Administrative and Support Service Activities 0.00%
15. Public Administration and Defenses, Compulsary Social Security 0.00%
16. Education - 0.00%
17. Human Health and Social Work Activities 0.00%
18. Arts, Entertainment and Recreation 0.00%
19. Other Service Activities 0.00%
20. Activities of Households as Employers and Undifferentiated goods and services Activities of Household for own use. 0.00%
21. Activities of Extra-Territorial Organizations and Bodies - 0.00%
TOTAL 33,941,494.06 100.00%
Less: Allowance for credit losses 743,344.20
General Loan Loss Provision 170,075.00
Total Loans and Receivables, net 33,028,074.86
Note: Loan exposure to a particular industry or economic sector exceeds 25% of total loan portfolio as per bank policy.
BANGKO PANGASINAN - A RURAL BANK, INC
Credit Risk Concentrations to Specific Industry
CONSOLIDATED
As of January 31, 2021

CLASSIFIED AS TO ECONOMIC ACTIVITY

AMOUNT PERCENT
1. Agriculture, Hunting & Forestry 42,378,318.21 30.73%
2. Mining and Quarrying - 0.00%
3. Manufacturing - 0.00%
4. Electricity Gas, Steam and Air-Conditioning Supply - 0.00%
5. Water Supply, Sewerage, Waste management and Redmediation Activities - 0.00%
6. Construction 10,346,036.57 7.50%
7. Wholesale & Retail Trade, Repair of Motor Vehicles, Motorcycles Personal and Household Goods 47,460,050.63 34.42%
8. Accomodation & Food Service Activities 200,000.66 0.15%
9. Transportation and Storage - 0.00%
10.Information and Communication -
11. Financial and Insurance Activities 2,239,999.29 1.62%
12. Real Estate Activities 24,831,788.13 18.01%
13. Professional, Scientific and technical Activities - 0.00%
14. Administrative and Support Service Activities - 0.00%
15. Public Administration and Defenses, Compulsary Social Security - 0.00%
16. Education 3,480,032.90 2.52%
17. Human Health and Social Work Activities - 0
18. Arts, Entertainment and Recreation - 0
19. Other Service Activities 6,965,782.26 5.05%
20. Activities of Households as Employers and Undifferentiated goods and services Activities of Household for own - 0
21. Activities of Extra-Territorial Organizations and Bodies - 0
TOTAL 137,902,008.65 100.00%
Less: Allowance for credit losses 7,660,455.67
General Loan Loss Provision 945,781.81
Total Loans and Receivables, net 129,295,771.17
Note: Loan exposure to a particular industry or economic sector exceeds 25% of total loan portfolio as per bank policy.

Prepared by: Approved by:

EVANGELINE C. LUMAGUE GREGORY D. DE GUZMAN

Controller President & COO