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| 28 SELECTED ASSET
QUALITY INDICATORS |
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| Thrift Banking System |
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| as of end of periods indicated |
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| in billion pesos |
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| ACCOUNTS |
|
1999 |
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2000 |
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Mar |
June |
Sept |
Dec |
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Mar |
June |
Sept |
Dec |
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| TOTAL THRIFT BANKS |
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Interbank Loans Receivable |
|
6.606 |
7.141 |
7.126 |
8.409 |
|
4.662 |
4.631 |
4.949 |
6.226 |
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| Total Loan Portfolio, gross (inclusive
of IBL) |
|
123.685 |
129.823
|
135.973
|
128.111 |
|
127.577 |
131.405
|
132.510 |
134.330 |
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| Past Due Loans 1/ |
|
21.526 |
21.646 |
22.822
|
20.034 |
|
17.501 |
15.897 |
16.241 |
16.123
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Non-performing Loans |
|
21.526 |
21.646 |
19.861 |
18.417 |
|
15.616 |
15.283 |
15.402
|
15.216 |
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Loan Loss Reserves |
|
6.506 |
7.291 |
8.005 |
7.942 |
|
6.890 |
6.736 |
7.854 |
8.036 |
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| ROPOA, gross |
|
13.649 |
17.504
|
18.667 |
18.680 |
|
19.715
|
20.190 |
20.441
|
20.991 |
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| Restructured Loans, current |
|
2.009
|
1.653 |
1.650
|
1.584 |
|
1.255
|
1.377 |
1.672 |
2.506 |
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Non-performing Assets |
|
35.175 |
33.711 |
38.528 |
37.097 |
|
35.331 |
35.473 |
35.843 |
36.208 |
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| Gross Assets 2/ |
|
216.090
|
222.147 |
221.399 |
223.987
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|
219.051 |
226.996 |
220.227
|
242.122 |
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| Allowance for ROPOA |
|
0.481 |
0.616 |
0.626 |
0.746 |
|
0.797 |
0.844 |
0.827
|
0.851
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| Distressed Assets 3/ |
|
37.185 |
35.364 |
40.178 |
38.681 |
|
36.586 |
36.850 |
37.514 |
38.714
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| RATIOS
(%) |
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| TOTAL
THRIFT BANKS |
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| LLR to TLP |
|
5.3 |
5.6 |
5.9 |
6.2 |
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5.4 |
5.1 |
5.9 |
6.0 |
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| Past Due Ratio |
|
17.4 |
16.7 |
16.8 |
15.6 |
|
13.7 |
12.1 |
12.3 |
12.0 |
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| NPL Ratio (inclusive of IBL) |
|
17.4 |
16.7 |
14.6 |
14.4 |
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12.2 |
11.6 |
11.6 |
11.3 |
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| NPL Ratio (exclusive of IBL) |
|
18.4 |
17.6 |
15.4 |
15.4 |
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12.7 |
12.1 |
12.1 |
11.9 |
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| NPL Coverage Ratio |
|
30.2 |
33.7 |
40.3 |
43.1 |
|
44.1 |
44.1 |
51.0 |
52.8 |
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| NPA
Ratio |
|
16.3 |
15.2 |
17.4 |
16.6 |
|
16.1 |
15.6 |
16.3 |
15.0 |
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| NPA Coverage Ratio |
|
19.9 |
23.5 |
22.4 |
23.4 |
|
21.8 |
21.4 |
24.2 |
24.5 |
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| Distressed Asset Ratio |
|
27.1 |
24.0 |
26.0 |
26.4 |
|
24.8 |
24.3 |
24.5 |
24.9 |
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| 1/ Inclusive of Items In Litigation |
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| 2/ Refers to
Total Assets net of reserves plus Loan Loss Reserves (LLR) plus Provisions
for ROPOA |
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| 3/ Refers to
Non-Performing Loans (NPLs), ROPOA gross and Restructured Loans, current |
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| Legend: |
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| TLP refers to Total Loan Portfolio |
| NPL refers to Non-Performing Loans |
| LLR refers to Loan Loss Reserves |
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| 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 |
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| Source:
Supervisory Reports and Studies Office, Supervision and Examination Sector |
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| Updated as of 12 March
2004 |
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