19 CONSOLIDATED FINANCIAL STATEMENTS                  
Commercial Banks
as of end of periods indicated
in billion pesos
 
Selected Accounts COMMERCIAL BANKS
 
  March 1999 June 1999 Sept 1999 Dec 1999 March 2000 June 2000 Sept 2000 Dec 2000
   
ASSET QUALITY INDICATORS 1/
GROSS ASSETS 2/ 495.559 505.422 471.518 501.410 496.061 564.168 571.798 641.191
TOTAL LOAN PORTFOLIO, GROSS 281.491 288.698 284.931 295.817 281.461 321.765 339.983 380.863
LOAN LOSS RESERVES 12.067 11.988 11.703 12.180 12.713 16.759 17.006 18.932
INTERBANK LOANS RECEIVABLES 43.630 42.401 30.440 40.209 32.320 31.466 41.088 70.394
RESTRUCTURED LOANS, GROSS 6.144 6.509 7.427 6.687 7.630 10.023 10.051 9.979
RESTRUCTURED LOANS, CURRENT/PERFORMING 4.480 4.352 5.119 4.482 4.739 6.337 6.178 6.226
NON-PERFORMING LOANS 30.349 32.731 27.808 28.376 29.899 36.261 38.556 39.894
ROPOA, GROSS 9.380 10.332 11.022 8.352 8.929 11.565 12.402 13.544
ALLOWANCE FOR ROPOA 0.173 0.261 0.293 0.233 0.298 0.657 0.674 0.673
NON-PERFORMING ASSETS (NPA) 3/ 39.729 43.063 38.830 36.728 38.829 47.826 50.958 53.438
ALLOWANCE ON NPA 12.240 12.249 11.996 12.413 13.012 17.416 17.680 19.605
DISTRESSED ASSETS  4/ 44.209 47.415 43.949 41.210 43.567 54.163 57.136 59.664
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