| |
|
|
|
|
|
|
|
|
|
|
|
| 19 SELECTED ASSET
QUALITY INDICATORS |
|
| Universal and Commercial Banking
System |
|
| as of end of periods indicated |
|
| in billion pesos |
|
| |
|
|
|
|
|
|
|
|
|
|
|
| ACCOUNTS |
|
1999 |
|
2000 |
|
| |
Mar |
June |
Sept |
Dec |
|
Mar |
June |
Sept |
Dec |
|
| Total 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 |
|
| Universal
Banks |
|
|
|
|
|
|
|
|
|
|
|
|
Interbank Loans Receivable |
|
123.048
|
151.334
|
157.871 |
184.428 |
|
155.076 |
103.930
|
120.216 |
105.977
|
|
| Total Loan Portfolio, gross (inclusive
of IBL) |
|
1,202.974
|
1,216.882 |
1,272.655 |
1,287.077
|
|
1,247.642 |
1,183.800
|
1,228.233 |
1,247.351 |
|
| Past Due Loans 1/ |
|
165.286
|
175.391 |
186.326
|
167.813 |
|
188.260
|
197.996 |
223.128 |
211.387
|
|
|
Non-performing Loans |
|
165.286
|
175.391 |
180.821
|
167.013 |
|
185.168 |
184.164 |
208.094 |
205.919 |
|
|
Loan Loss Reserves |
|
55.673
|
61.327 |
64.509
|
78.372 |
|
81.634 |
84.432 |
87.460
|
88.275 |
|
| ROPOA, gross |
|
47.658
|
60.609 |
66.759
|
91.590 |
|
96.264 |
100.755
|
106.935
|
118.331
|
|
| Restructured Loans, current |
|
37.892
|
40.419 |
44.820
|
50.022 |
|
48.432 |
44.551 |
39.753
|
56.004 |
|
|
Non-performing Assets |
|
212.944
|
236.000
|
247.580 |
258.603 |
|
281.432 |
284.919 |
315.029
|
324.250
|
|
| Gross Assets 2/ |
|
2,020.522
|
2,085.740 |
2,181.004
|
2,270.300 |
|
2,220.737 |
2,222.977 |
2,289.758 |
2,405.676 |
|
| Allowance for ROPOA |
|
1.037 |
1.036
|
1.233 |
1.362 |
|
2.526 |
2.183 |
2.749 |
3.011 |
|
| Distressed Assets 3/ |
|
250.836 |
276.419 |
292.400 |
308.626 |
|
329.864 |
329.470
|
354.782 |
380.254 |
|
| Commercial
Banks |
|
|
|
|
|
|
|
|
|
|
|
|
Interbank Loans Receivable |
|
43.630 |
42.401 |
30.440 |
40.209 |
|
32.320 |
31.466 |
41.088 |
70.394 |
|
| Total Loan Portfolio, gross (inclusive
of IBL) |
|
281.491
|
288.698
|
284.931
|
295.817 |
|
281.461 |
321.765 |
339.983
|
380.863
|
|
| Past Due Loans 1/ |
|
30.349
|
32.731 |
31.851 |
29.197 |
|
32.260 |
38.848 |
40.216 |
41.605 |
|
|
Non-performing Loans |
|
30.349
|
32.731 |
27.808
|
28.376 |
|
29.899 |
36.261 |
38.556 |
39.894 |
|
|
Loan Loss Reserves |
|
12.067 |
11.988
|
11.703 |
12.180 |
|
12.713
|
16.759
|
17.006
|
18.932 |
|
| ROPOA, gross |
|
9.380
|
10.332
|
11.022 |
8.352 |
|
8.929 |
11.565
|
12.402 |
13.544
|
|
| Restructured Loans, current |
|
4.480
|
4.352
|
5.119
|
4.482 |
|
4.739 |
6.337 |
6.178 |
6.226
|
|
|
Non-performing Assets |
|
39.729 |
43.063 |
38.830
|
36.728 |
|
38.829 |
47.826 |
50.958 |
53.438 |
|
| Gross Assets 2/ |
|
495.559
|
505.422 |
471.518
|
501.410 |
|
496.061 |
564.169 |
571.799 |
641.190
|
|
| Allowance for ROPOA |
|
0.173 |
0.261 |
0.293
|
0.233 |
|
0.298 |
0.657 |
0.674 |
0.673 |
|
| Distressed Assets 3/ |
|
44.209 |
47.415 |
43.949 |
41.210 |
|
43.567 |
54.163 |
57.136 |
59.664 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
| 19 SELECTED ASSET
QUALITY INDICATORS |
|
| Universal and Commercial Banking
System |
|
| as of end of periods indicated |
|
| in percent |
|
| |
|
|
|
|
|
|
|
|
|
|
|
| RATIOS |
|
1999 |
|
2000 |
|
|
|
|
|
|
|
|
|
|
|
|
| |
Mar |
June |
Sept |
Dec |
|
Mar |
June |
Sept |
Dec |
|
| |
|
|
|
|
|
|
|
|
|
|
|
| Total |
|
|
|
|
|
|
|
|
|
|
|
| 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 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
| Universal
Banks |
|
|
|
|
|
|
|
|
|
|
|
| LLR to TLP |
|
4.6 |
5.0 |
5.1 |
6.1 |
|
6.5 |
7.1 |
7.1 |
7.1 |
|
| Past Due Ratio |
|
13.7 |
14.4 |
14.6 |
13.0 |
|
15.1 |
16.7 |
18.2 |
16.9 |
|
| NPL Ratio (inclusive of IBL) |
|
13.7 |
14.4 |
14.2 |
13.0 |
|
14.8 |
15.6 |
16.9 |
16.5 |
|
| NPL Ratio (exclusive of IBL) |
|
15.3 |
16.5 |
16.2 |
15.1 |
|
16.9 |
17.1 |
18.8 |
18.0 |
|
| NPL Coverage Ratio |
|
33.7 |
35.0 |
35.7 |
46.9 |
|
44.1 |
45.8 |
42.0 |
42.9 |
|
| NPA
Ratio |
|
10.5 |
11.3 |
11.4 |
11.4 |
|
12.7 |
12.8 |
13.8 |
13.5 |
|
| NPA Coverage Ratio |
|
26.6 |
26.4 |
26.6 |
30.8 |
|
29.9 |
30.4 |
28.6 |
28.2 |
|
| Distressed Asset Ratio |
|
20.1 |
21.6 |
21.8 |
22.4 |
|
24.5 |
25.6 |
26.6 |
27.8 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
| Commercial
Banks |
|
|
|
|
|
|
|
|
|
|
|
| LLR to TLP |
|
4.3 |
4.2 |
4.1 |
4.1 |
|
4.5 |
5.2 |
5.0 |
5.0 |
|
| Past Due Ratio |
|
10.8 |
11.3 |
11.2 |
9.9 |
|
11.5 |
12.1 |
11.8 |
10.9 |
|
| NPL Ratio (inclusive of IBL) |
|
10.8 |
11.3 |
9.8 |
9.6 |
|
10.6 |
11.3 |
11.3 |
10.5 |
|
| NPL Ratio (exclusive of IBL) |
|
12.8 |
13.3 |
10.9 |
11.1 |
|
12.0 |
12.5 |
12.9 |
12.8 |
|
| NPL Coverage Ratio |
|
39.8 |
36.6 |
42.1 |
42.9 |
|
42.5 |
46.2 |
44.1 |
47.5 |
|
| NPA
Ratio |
|
8.0 |
8.5 |
8.2 |
7.3 |
|
7.8 |
8.5 |
8.9 |
8.3 |
|
| NPA Coverage Ratio |
|
30.8 |
28.4 |
30.9 |
33.8 |
|
33.5 |
36.4 |
34.7 |
36.7 |
|
| Distressed Asset Ratio |
|
15.2 |
15.9 |
14.8 |
13.5 |
|
15.0 |
16.2 |
16.2 |
15.1 |
|
| NPA Coverage w/ RL, current portion |
|
0.0 |
0.0 |
0.0 |
0.0 |
|
0.0 |
0.0 |
0.0 |
0.0 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
| 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: |
|
|
|
|
|
|
|
|
|
|
|
| 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 |
|
|
|
|
|
|
|
|
|
|
|
|
| Updated as of 12 March
2004 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|