19 CONSOLIDATED FINANCIAL STATEMENTS                  
Universal Banks
as of end of periods indicated
in billion pesos
 
Selected Accounts UNIVERSAL BANKS
 
  March 1999 June 1999 Sept 1999 Dec 1999 March 2000 June 2000 Sept 2000 Dec 2000
   
   
ASSET QUALITY INDICATORS 1/
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
TOTAL LOAN PORTFOLIO, GROSS 1,202.974 1,216.882 1,272.655 1,287.077 1,247.642 1,183.800 1,228.233 1,247.351
LOAN LOSS RESERVES 55.673 61.327 64.509 78.372 81.634 84.432 87.460 88.275
INTERBANK LOANS RECEIVABLES 123.048 151.334 157.871 184.428 155.076 103.930 120.216 105.977
RESTRUCTURED LOANS, GROSS 45.779 49.903 58.631 67.943 71.042 72.195 73.176 89.246
RESTRUCTURED LOANS, CURRENT/PERFORMING 37.892 40.419 44.820 50.022 48.432 44.551 39.753 56.004
NON-PERFORMING LOANS 165.286 175.391 180.821 167.013 185.168 184.164 208.094 205.919
ROPOA, GROSS 47.658 60.609 66.759 91.590 96.264 100.755 106.935 118.331
ALLOWANCE FOR ROPOA 1.037 1.036 1.233 1.362 2.526 2.183 2.749 3.011
NON-PERFORMING ASSETS (NPA) 3/ 212.944 236.000 247.580 258.603 281.432 284.919 315.029 324.250
ALLOWANCE ON NPA 56.710 62.363 65.743 79.734 84.160 86.615 90.209 91.286
DISTRESSED ASSETS  4/ 250.836 276.419 292.400 308.626 329.864 329.470 354.782 380.254
ROPOA, GROSS (Net of Performing SCR)                
PERFORMING SALES CONTRACT RECEIVABLES (SCR)                
               
 
1/ Pursuant to Circular No. 351 and 380
2/ Refers to Total Assets, net of reserves plus Loan Loss Reserves (LLR) plus provision for ROPOA
3/ Refers to NPLs plus ROPOA (effective June 2003, ROPOA net of Performing Sales Receivables)
4/ Refers to the sum of Non Performing Loans, ROPOA (Gross) and Restructured Loans, current.
     Effective 31 July 2004, Restructured Loans, performing was used in lieu of Restructured Loans, current.
Note: Details may not add-up to totals due to rounding-off
Source: Supervisory Data Center, Supervision and Examination Sector