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| 10 SELECTED ASSET
QUALITY INDICATORS |
|
|
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|
|
|
| Philippine Banking System |
|
| as of end of periods indicated |
|
| in billion pesos |
|
| |
|
|
|
|
|
|
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|
|
|
|
| ACCOUNTS |
|
1999 |
|
2000 |
|
| |
Mar |
June |
Sept |
Dec |
|
Mar |
June |
Sept |
Dec |
|
| All Banks |
|
|
|
|
|
|
|
|
|
|
|
|
Interbank Loans Receivable |
|
173.284 |
200.876
|
195.436 |
233.045 |
|
192.057 |
140.027 |
166.253 |
182.597 |
|
| Total Loan Portfolio, gross (inclusive
of IBL) |
|
1,650.080 |
1,677.088 |
1,735.237 |
1,752.605 |
|
1,698.007 |
1,678.782 |
1,742.799 |
1,804.824 |
|
| Past Due Loans 1/ |
|
225.398 |
238.275 |
249.332 |
225.201 |
|
246.179 |
261.022 |
287.651 |
276.916 |
|
|
Non-performing Loans |
|
225.398 |
238.275 |
236.824 |
221.965 |
|
238.842 |
243.989 |
270.118 |
268.688 |
|
| Loan Loss Reserves |
|
75.629 |
82.180 |
85.922 |
100.366 |
|
103.196 |
109.929 |
114.381 |
117.404 |
|
| ROPOA, gross |
|
73.299 |
91.373 |
99.729 |
122.443 |
|
128.864 |
136.842 |
144.834 |
158.455 |
|
| Restructured Loans, current |
|
44.381 |
46.424
|
51.589 |
56.089 |
|
54.425 |
52.265 |
48.683 |
65.766 |
|
|
Non-performing Assets |
|
298.696 |
324.208 |
336.553 |
344.408 |
|
367.706 |
380.831 |
414.952 |
427.143 |
|
| Gross Assets 2/ |
|
2,792.983 |
2,874.290 |
2,935.395 |
3,057.550 |
|
2,999.270 |
3,079.159 |
3,147.668 |
3,356.529 |
|
| Allowance for ROPOA |
|
1.691
|
1.913 |
2.153 |
2.341 |
|
3.621 |
3.684 |
4.383 |
4.673 |
|
| Distressed Assets 3/ |
|
343.078 |
370.632 |
388.142 |
400.496 |
|
422.131 |
433.096 |
463.635 |
492.909 |
|
| Universal and Commercial Banks |
|
|
|
|
|
|
|
|
|
|
|
|
Interbank Loans Receivable |
|
166.678 |
193.735
|
188.311 |
224.636
|
|
187.396 |
135.396
|
161.304 |
176.371
|
|
| Total Loan Portfolio, gross (inclusive
of IBL) |
|
1,484.465
|
1,505.581
|
1,557.587
|
1,582.894
|
|
1,529.103
|
1,505.565
|
1,568.216
|
1,628.214
|
|
| Past Due Loans 1/ |
|
195.635
|
208.122
|
218.177
|
197.009
|
|
220.520
|
236.844
|
263.344
|
252.992
|
|
|
Non-performing Loans |
|
195.635
|
208.122
|
208.629 |
195.389
|
|
215.067
|
220.425
|
246.650 |
245.813
|
|
| Loan Loss Reserves |
|
67.740
|
73.316
|
76.212
|
90.551
|
|
94.348
|
101.191 |
104.466
|
107.207
|
|
| ROPOA, gross |
|
57.038
|
70.940
|
77.781
|
99.942
|
|
105.194 |
112.320 |
119.337 |
131.875 |
|
| Restructured Loans, current |
|
42.372
|
44.771
|
49.939
|
54.504
|
|
53.170
|
50.888
|
45.931
|
62.230 |
|
|
Non-performing Assets |
|
252.673
|
279.063
|
286.410
|
295.332
|
|
320.261
|
332.745 |
365.987
|
377.688
|
|
| Gross Assets 2/ |
|
2,516.081
|
2,591.163
|
2,652.522
|
2,771.710
|
|
2,716.798
|
2,787.146
|
2,861.557
|
3,046.866 |
|
| Allowance for ROPOA |
|
1.210
|
1.297 |
1.527
|
1.595
|
|
2.824
|
2.840 |
3.423 |
3.684
|
|
| Distressed Assets 3/ |
|
295.045
|
323.834
|
336.349
|
349.836
|
|
373.431
|
383.633
|
411.918
|
439.918
|
|
| Thrift
Banks |
|
|
|
|
|
|
|
|
|
|
|
|
Interbank Loans Receivable |
|
6.606 |
7.141 |
7.126 |
8.409 |
|
4.662 |
4.631 |
4.949 |
6.226 |
|
| Total Loan Portfolio, gross (inclusive
of IBL) |
|
123.685 |
129.823
|
135.973
|
128.111 |
|
127.577 |
131.405
|
132.510 |
134.330 |
|
| Past Due Loans 1/ |
|
21.526 |
21.646 |
22.822
|
20.034 |
|
17.501 |
15.897 |
16.241 |
16.123
|
|
|
Non-performing Loans |
|
21.526 |
21.646 |
19.861 |
18.417 |
|
15.616 |
15.283 |
15.402
|
15.216 |
|
| Loan Loss Reserves |
|
6.506 |
7.291 |
8.005 |
7.942 |
|
6.890 |
6.736 |
7.854 |
8.036 |
|
| ROPOA, gross |
|
13.649 |
17.504
|
18.667 |
18.680 |
|
19.715
|
20.190 |
20.441
|
20.991 |
|
| Restructured Loans, current |
|
2.009
|
1.653 |
1.650
|
1.584 |
|
1.255
|
1.377 |
1.672 |
2.506 |
|
|
Non-performing Assets |
|
35.175 |
33.711 |
38.528 |
37.097 |
|
35.331 |
35.473 |
35.843 |
36.208 |
|
| Gross Assets 2/ |
|
216.090
|
222.147 |
221.399 |
223.987
|
|
219.051 |
226.996 |
220.227
|
242.122 |
|
| Allowance for ROPOA |
|
0.481 |
0.616 |
0.626 |
0.746 |
|
0.797 |
0.844 |
0.827
|
0.851
|
|
| Distressed Assets 3/ |
|
37.185 |
35.364 |
40.178 |
38.681 |
|
36.586 |
36.850 |
37.514 |
38.714
|
|
| Rural
and Cooperative Banks |
|
|
|
|
|
|
|
|
|
|
|
|
Interbank Loans Receivable |
|
0.000 |
0.000 |
0.000 |
0.000 |
|
0.000 |
0.000 |
0.000 |
0.000 |
|
| Total Loan Portfolio, gross |
|
41.930 |
41.684 |
41.678 |
41.600 |
|
41.327 |
41.812 |
42.073 |
42.280 |
|
| Past Due Loans 1/ |
|
8.237 |
8.506 |
8.334 |
8.159 |
|
8.158 |
8.281 |
8.066 |
7.801 |
|
|
Non-performing Loans |
|
8.237 |
8.506 |
8.334 |
8.159 |
|
8.158 |
8.281 |
8.066 |
7.658 |
|
| Loan Loss Reserve |
|
1.383 |
1.574 |
1.705 |
1.873 |
|
1.959 |
2.001 |
2.061 |
2.161 |
|
| ROPOA, gross |
|
2.611 |
2.928 |
3.281 |
3.821 |
|
3.955 |
4.332 |
5.056 |
5.589 |
|
| Restructured Loans, current |
|
0.000 |
0.000 |
0.000 |
0.000 |
|
0.000 |
0.000 |
1.080
|
1.030
|
|
|
Non-performing Assets |
|
10.848 |
11.434 |
11.615 |
11.979 |
|
12.113 |
12.613 |
13.122 |
13.247 |
|
| Gross Assets 2/ |
|
60.811 |
60.981 |
61.473 |
61.852 |
|
63.421 |
65.017 |
65.884 |
67.541 |
|
| Allowance for ROPOA |
|
0.000 |
0.000 |
0.000 |
0.000 |
|
0.000 |
0.000 |
0.133 |
0.138 |
|
| Distressed Assets 3/ |
|
10.848 |
11.434 |
11.615 |
11.979 |
|
12.113 |
12.613 |
14.202 |
14.277 |
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| |
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|
|
| 10 SELECTED ASSET
QUALITY INDICATORS |
|
|
|
|
|
|
| Philippine Banking System |
|
| as of end of periods indicated |
|
| in percent |
|
| |
|
|
|
|
|
|
|
|
|
|
|
| RATIOS |
|
1999 |
|
2000 |
|
| |
Mar |
June |
Sept |
Dec |
|
Mar |
June |
Sept |
Dec |
|
| |
|
|
|
|
|
|
|
|
|
|
|
| All
Banks |
|
|
|
|
|
|
|
|
|
|
|
| LLR to TLP |
|
4.6 |
4.9 |
5.0 |
5.7 |
|
6.1 |
6.5 |
6.6 |
6.5 |
|
| Past Due Ratio |
|
13.7 |
14.2 |
14.4 |
12.8 |
|
14.5 |
15.5 |
16.5 |
15.3 |
|
| NPL Ratio (inclusive of IBL) |
|
13.7 |
14.2 |
13.6 |
12.7 |
|
14.1 |
14.5 |
15.5 |
14.9 |
|
| NPL Ratio (exclusive of IBL) |
|
15.3 |
16.1 |
15.4 |
14.6 |
|
15.9 |
15.9 |
17.1 |
16.6 |
|
| NPL Coverage Ratio |
|
33.6 |
34.5 |
36.3 |
45.2 |
|
43.2 |
45.1 |
42.3 |
43.7 |
|
| NPA
Ratio |
|
10.7 |
11.3 |
11.5 |
11.3 |
|
12.3 |
12.4 |
13.2 |
12.7 |
|
| NPA Coverage Ratio |
|
25.9 |
25.9 |
26.2 |
29.8 |
|
29.0 |
29.8 |
28.6 |
28.6 |
|
| Distressed Asset Ratio |
|
19.9 |
21.0 |
21.2 |
21.4 |
|
23.1 |
23.9 |
24.6 |
25.1 |
|
| Universal
and Commercial Banks |
|
|
|
|
|
|
|
|
|
|
|
| LLR to TLP |
|
4.6 |
4.9 |
4.9 |
5.7 |
|
6.2 |
6.7 |
6.7 |
6.6 |
|
| Past Due Ratio |
|
13.2 |
13.8 |
14.0 |
12.4 |
|
14.4 |
15.7 |
16.8 |
15.5 |
|
| NPL Ratio (inclusive of IBL) |
|
13.2 |
13.8 |
13.4 |
12.3 |
|
14.1 |
14.6 |
15.7 |
15.1 |
|
| NPL Ratio (exclusive of IBL) |
|
14.8 |
15.9 |
15.2 |
14.4 |
|
16.0 |
16.1 |
17.5 |
16.9 |
|
| NPL Coverage Ratio |
|
34.6 |
35.2 |
36.5 |
46.3 |
|
43.9 |
45.9 |
42.4 |
43.6 |
|
| NPA
Ratio |
|
10.0 |
10.8 |
10.8 |
10.7 |
|
11.8 |
11.9 |
12.8 |
12.4 |
|
| NPA Coverage Ratio |
|
27.3 |
26.7 |
27.1 |
31.2 |
|
30.3 |
31.3 |
29.5 |
29.4 |
|
| Distressed Asset Ratio |
|
19.1 |
20.5 |
20.6 |
20.8 |
|
22.8 |
23.7 |
24.4 |
25.0 |
|
| Thrift
Banks |
|
|
|
|
|
|
|
|
|
|
|
| LLR to TLP |
|
5.3 |
5.6 |
5.9 |
6.2 |
|
5.4 |
5.1 |
5.9 |
6.0 |
|
| Past Due Ratio |
|
17.4 |
16.7 |
16.8 |
15.6 |
|
13.7 |
12.1 |
12.3 |
12.0 |
|
| NPL Ratio (inclusive of IBL) |
|
17.4 |
16.7 |
14.6 |
14.4 |
|
12.2 |
11.6 |
11.6 |
11.3 |
|
| NPL Ratio (exclusive of IBL) |
|
18.4 |
17.6 |
15.4 |
15.4 |
|
12.7 |
12.1 |
12.1 |
11.9 |
|
| NPL Coverage Ratio |
|
30.2 |
33.7 |
40.3 |
43.1 |
|
44.1 |
44.1 |
51.0 |
52.8 |
|
| NPA
Ratio |
|
16.3 |
15.2 |
17.4 |
16.6 |
|
16.1 |
15.6 |
16.3 |
15.0 |
|
| NPA Coverage Ratio |
|
19.9 |
23.5 |
22.4 |
23.4 |
|
21.8 |
21.4 |
24.2 |
24.5 |
|
| Distressed Asset Ratio |
|
27.1 |
24.0 |
26.0 |
26.4 |
|
24.8 |
24.3 |
24.5 |
24.9 |
|
| Rural
and Cooperative Banks |
|
|
|
|
|
|
|
|
|
|
|
| LLR to TLP |
|
3.3 |
3.8 |
4.1 |
4.5 |
|
4.7 |
4.8 |
4.9 |
5.1 |
|
| Past Due Ratio |
|
19.6 |
20.4 |
20.0 |
19.6 |
|
19.7 |
19.8 |
19.2 |
18.5 |
|
| NPL
Ratio |
|
19.6 |
20.4 |
20.0 |
19.6 |
|
19.7 |
19.8 |
19.2 |
18.1 |
|
| NPL Coverage Ratio |
|
16.8 |
18.5 |
20.5 |
23.0 |
|
24.0 |
24.2 |
25.6 |
28.2 |
|
| NPA
Ratio |
|
17.8 |
18.8 |
18.9 |
19.4 |
|
19.1 |
19.4 |
19.9 |
19.6 |
|
| NPA Coverage Ratio |
|
12.7 |
13.8 |
14.7 |
15.6 |
|
16.2 |
15.9 |
16.7 |
17.4 |
|
| Distressed Asset Ratio |
|
24.4 |
25.6 |
25.8 |
26.4 |
|
26.8 |
27.3 |
30.1 |
29.8 |
|
| NPA Coverage w/ RL, current portion |
|
0.0 |
0.0 |
0.0 |
0.0 |
|
0.0 |
0.0 |
0.0 |
0.0 |
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| |
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|
| 1/ Inclusive of Items In Litigation |
|
| 2/ Refers to Total Assets net of reserves plus Loan Loss
Reserves (LLR) plus Provisions for ROPOA |
|
| 3/ Refers to
Non-Performing Loans (NPLs), ROPOA gross and Restructured Loans, current |
|
| Legend: |
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|
| TLP refers to Total Loan Portfolio (gross) |
| NPL refers to Non-Performing Loans |
| LLR refers to Loan Loss Reserves |
|
| ROPOA refers to Real and other Properties Owned
or Acquired |
| NPA refers to Non-Performing Assets which
consists of NPLs and ROPOA, gross |
| Note: Details may not add up to totals due to rounding-off |
|
| Source : Supervisory Reports & Studies Office,
Supervision and Examination Sector |
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| Updated as of 12 March
2004 |
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