28  SELECTED ASSET QUALITY INDICATORS  
            Thrift Banking System  
            as of end of periods indicated  
            in billion pesos  
                       
ACCOUNTS   1999   2000  
  Mar June Sept Dec   Mar June Sept Dec  
TOTAL 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  
                       
RATIOS (%)           
                       
TOTAL 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  
                       
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
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 consist of NPLs and ROPOA , gross
Note: Details may not add up to totals due to rounding-off  
Source: Supervisory Reports and Studies Office, Supervision and Examination Sector  
                 
Updated as of 12 March 2004