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| 37 SELECTED ASSET QUALITY INDICATORS |
|
| Rural and Cooperative Banking
System |
|
| as of end of periods indicated |
|
| in billion pesos |
|
| |
|
|
|
|
|
|
|
|
|
|
|
| ACCOUNTS |
|
1999 |
|
2000 |
|
| |
Mar |
June |
Sept |
Dec |
|
Mar |
June |
Sept |
Dec |
|
| Total
Rural and Cooperative Banks |
|
|
|
|
|
|
|
|
|
|
|
| Total Loan Portfolio, gross |
|
41.930 |
41.684 |
41.678 |
41.600 |
|
41.327 |
41.812 |
42.073 |
42.280 |
|
| Past Due Loans 1/ |
|
8.237 |
8.506 |
8.334 |
8.159 |
|
8.158 |
8.281 |
8.066 |
7.801 |
|
|
Non-performing Loans |
|
8.237 |
8.506 |
8.334 |
8.159 |
|
8.158 |
8.281 |
8.066 |
7.658 |
|
| Loan Loss Reserves |
|
1.383 |
1.574 |
1.705 |
1.873 |
|
1.959 |
2.001 |
2.061 |
2.161 |
|
| ROPOA, gross |
|
2.611 |
2.928 |
3.281 |
3.821 |
|
3.955 |
4.332 |
5.056 |
5.589 |
|
| Restructured Loans, current |
|
0.000 |
0.000 |
0.000 |
0.000 |
|
0.000 |
0.000 |
1.080
|
1.030
|
|
| Non-performing Assets |
|
10.848 |
11.434 |
11.615 |
11.979 |
|
12.113 |
12.613 |
13.122 |
13.247 |
|
| Gross Assets 2/ |
|
60.811 |
60.981 |
61.473 |
61.852 |
|
63.421 |
65.017 |
65.884 |
67.541 |
|
| Allowance for ROPOA |
|
0.000 |
0.000 |
0.000 |
0.000 |
|
0.000 |
0.000 |
0.133 |
0.138 |
|
| Distressed Assets 3/ |
|
10.848 |
11.434 |
11.615 |
11.979 |
|
12.113 |
12.613 |
14.202 |
14.277 |
|
| Rural
Banks |
|
|
|
|
|
|
|
|
|
|
|
| Total Loan Portfolio, gross |
|
38.576
|
38.304
|
38.196
|
38.033
|
|
37.638
|
38.023
|
38.267
|
38.412
|
|
| Past Due Loans 1/ |
|
7.549
|
7.750
|
7.561
|
7.253
|
|
7.196
|
7.296
|
7.116
|
6.835
|
|
|
Non-performing Loans |
|
7.549
|
7.750
|
7.561
|
7.253
|
|
7.196
|
7.296
|
7.116
|
6.702
|
|
| Loan Loss Reserves |
|
1.272 |
1.452
|
1.556
|
1.705 |
|
1.780
|
1.813
|
1.869
|
1.964
|
|
| ROPOA, gross |
|
2.418
|
2.708
|
3.052
|
3.600
|
|
3.955
|
4.332 |
4.801
|
5.324
|
|
| Restructured Loans, current |
|
0.000 |
0.000 |
0.000 |
0.000 |
|
0.000 |
0.000 |
1.019
|
0.962
|
|
| Non-performing Assets |
|
9.967
|
10.458
|
10.613
|
10.853
|
|
11.152
|
11.628
|
11.917
|
12.026
|
|
| Gross Assets 2/ |
|
56.450
|
56.516
|
56.767
|
57.082
|
|
58.431
|
59.893
|
60.748
|
62.318
|
|
| Allowance for ROPOA |
|
0.000 |
0.000 |
0.000 |
0.000 |
|
0.000 |
0.000 |
0.126
|
0.131
|
|
| Distressed Assets 3/ |
|
9.967
|
10.458
|
10.613
|
10.853
|
|
11.152
|
11.628
|
12.936
|
12.988
|
|
| Cooperative
Banks |
|
|
|
|
|
|
|
|
|
|
|
| Total Loan Portfolio, gross |
|
3.354
|
3.380
|
3.481
|
3.567 |
|
3.689
|
3.789
|
3.806
|
3.868
|
|
| Past Due Loans 1/ |
|
0.688
|
0.756
|
0.773
|
0.906
|
|
0.962
|
0.985
|
0.950
|
0.966
|
|
|
Non-performing Loans |
|
0.688
|
0.756
|
0.773
|
0.906
|
|
0.962
|
0.985
|
0.950
|
0.957
|
|
| Loan Loss Reserves |
|
0.110
|
0.122
|
0.150
|
0.168
|
|
0.179
|
0.188 |
0.192
|
0.197
|
|
| ROPOA, gross |
|
0.193
|
0.220
|
0.229
|
0.221 |
|
0.000 |
0.000 |
0.254 |
0.265 |
|
| Restructured Loans, current |
|
0.000 |
0.000 |
0.000 |
0.000 |
|
0.000 |
0.000 |
0.061
|
0.068
|
|
| Non-performing Assets |
|
0.881
|
0.976
|
1.002
|
1.126 |
|
0.962
|
0.985
|
1.205 |
1.222
|
|
| Gross Assets 2/ |
|
4.361
|
4.465
|
4.706
|
4.770
|
|
4.990
|
5.125
|
5.135
|
5.223
|
|
| Allowance for ROPOA |
|
0.000 |
0.000 |
0.000 |
0.000 |
|
0.000 |
0.000 |
0.007
|
0.007
|
|
| Distressed Assets 3/ |
|
0.881
|
0.976
|
1.002
|
1.126 |
|
0.962
|
0.985
|
1.266
|
1.290
|
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| 37 SELECTED ASSET QUALITY INDICATORS |
|
| Rural and Cooperative Banking
System |
|
| as of end of periods indicated |
|
| in percent |
|
| |
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| RATIOS |
|
1999 |
|
2000 |
|
| |
Mar |
June |
Sept |
Dec |
|
Mar |
June |
Sept |
Dec |
|
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|
| Total |
|
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|
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|
|
|
| LLR to TLP |
|
3.3 |
3.8 |
4.1 |
4.5 |
|
4.7 |
4.8 |
4.9 |
5.1 |
|
| Past Due Ratio |
|
19.6 |
20.4 |
20.0 |
19.6 |
|
19.7 |
19.8 |
19.2 |
18.5 |
|
| NPL Ratio |
|
19.6 |
20.4 |
20.0 |
19.6 |
|
19.7 |
19.8 |
19.2 |
18.1 |
|
| NPL Coverage Ratio |
|
16.8 |
18.5 |
20.5 |
23.0 |
|
24.0 |
24.2 |
25.6 |
28.2 |
|
| NPA
Ratio |
|
17.8 |
18.8 |
18.9 |
19.4 |
|
19.1 |
19.4 |
19.9 |
19.6 |
|
| NPA Coverage Ratio |
|
12.7 |
13.8 |
14.7 |
15.6 |
|
16.2 |
15.9 |
16.7 |
17.4 |
|
| Distressed Asset Ratio |
|
24.4 |
25.6 |
25.8 |
26.4 |
|
26.8 |
27.3 |
30.1 |
29.8 |
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| Rural
Banks |
|
|
|
|
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|
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|
| LLR to TLP |
|
3.3 |
3.8 |
4.1 |
4.5 |
|
4.7 |
4.8 |
4.9 |
5.1 |
|
| Past Due Ratio |
|
19.6 |
20.2 |
19.8 |
19.1 |
|
19.1 |
19.2 |
18.6 |
17.8 |
|
| NPL Ratio |
|
19.6 |
20.2 |
19.8 |
19.1 |
|
19.1 |
19.2 |
18.6 |
17.4 |
|
| NPL Coverage Ratio |
|
16.9 |
18.7 |
20.6 |
23.5 |
|
24.7 |
24.8 |
26.3 |
29.3 |
|
| NPA
Ratio |
|
17.7 |
18.5 |
18.7 |
19.0 |
|
19.1 |
19.4 |
19.6 |
19.3 |
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| NPA Coverage Ratio |
|
12.8 |
13.9 |
14.7 |
15.7 |
|
16.0 |
15.6 |
16.7 |
17.4 |
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| Distressed Asset Ratio |
|
24.3 |
25.5 |
25.7 |
26.1 |
|
26.8 |
27.5 |
30.0 |
29.7 |
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| Cooperative
Banks |
|
|
|
|
|
|
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|
|
|
| LLR to TLP |
|
3.3 |
3.6 |
4.3 |
4.7 |
|
4.8 |
5.0 |
5.1 |
5.1 |
|
| Past Due Ratio |
|
20.5 |
22.4 |
22.2 |
25.4 |
|
26.1 |
26.0 |
25.0 |
25.0 |
|
| NPL Ratio |
|
20.5 |
22.4 |
22.2 |
25.4 |
|
26.1 |
26.0 |
25.0 |
24.7 |
|
| NPL Coverage Ratio |
|
16.0 |
16.2 |
19.4 |
18.5 |
|
18.6 |
19.1 |
20.2 |
20.6 |
|
| NPA
Ratio |
|
20.2 |
21.9 |
21.3 |
23.6 |
|
19.3 |
19.2 |
23.5 |
23.4 |
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| NPA Coverage Ratio |
|
12.5 |
12.5 |
14.9 |
14.9 |
|
18.6 |
19.1 |
16.6 |
16.7 |
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| Distressed Asset Ratio |
|
24.8 |
27.1 |
27.0 |
29.7 |
|
26.1 |
26.0 |
31.2 |
31.2 |
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| NPA Coverage w/ RL, current portion |
|
0.0 |
0.0 |
0.0 |
0.0 |
|
0.0 |
0.0 |
0.0 |
0.0 |
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| 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 |
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| Updated as of 12 March
2004 |
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