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| 10 SELECTED ASSET
QUALITY INDICATORS |
|
| Philippine Banking System |
|
|
| as of end of periods indicated |
|
|
| in billion pesos |
|
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| |
|
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| ACCOUNTS |
2001 |
|
2002 |
|
| Mar |
June |
Sept |
Dec |
|
Mar |
June |
Sept |
Dec |
|
| All Banks |
|
|
|
|
|
|
|
|
|
|
|
Interbank Loans Receivable |
149.793 |
155.213 |
173.630
|
206.098 |
|
194.097 |
221.164 |
213.541
|
216.670
|
|
| Total Loan Portfolio, gross (inclusive
of IBL) 1/ |
1,734.711
|
1,759.042 |
1,755.578
|
1,812.157 |
|
1,822.102 |
1,800.218 |
1,827.314 |
1,840.839 |
|
| Past Due Loans 2/ |
296.774 |
302.745
|
317.811 |
314.760
|
|
340.120
|
325.309 |
310.124 |
287.972 |
|
|
Non-performing Loans |
281.205 |
290.764 |
305.672 |
305.794 |
|
321.472 |
316.531 |
295.20 |
269.623 |
|
| Loan Loss Reserves 1/ |
120.135 |
130.616 |
133.231 |
138.595
|
|
142.801 |
148.790
|
139.998 |
135.447
|
|
| ROPOA, gross |
163.266 |
174.909 |
179.705 |
191.418 |
|
198.421 |
203.455 |
213.826 |
217.600
|
|
| Restructured Loans, current |
61.895 |
66.664 |
64.551 |
72.688 |
|
71.199 |
71.031 |
78.438 |
83.699 |
|
|
Non-performing Assets |
444.471 |
465.673 |
485.377 |
497.212 |
|
519.893 |
519.985 |
509.021 |
487.223 |
|
| Gross Assets 3/ |
3,333.551 |
3,398.317
|
3,384.000
|
3,406.298 |
|
3,432.545 |
3,493.810
|
3,535.589 |
3,622.521 |
|
| Allowance for ROPOA |
5.304 |
8.418 |
8.286 |
8.431 |
|
8.618 |
9.548
|
10.291
|
11.345 |
|
| Distressed Assets 4/ |
506.366 |
532.337 |
549.928 |
569.900
|
|
591.092 |
591.017 |
587.459 |
570.922 |
|
| Universal and Commercial Banks |
|
|
|
|
|
|
|
|
|
|
|
Interbank Loans Receivable |
143.967
|
149.115
|
169.757
|
201.240 |
|
190.817
|
213.112
|
206.303 |
209.053 |
|
| Total Loan Portfolio, gross (inclusive
of IBL) 1/ |
1,553.085 |
1,575.233
|
1,572.600 |
1,625.052
|
|
1,632.680 |
1,600.126 |
1,623.302
|
1,639.379
|
|
| Past Due Loans 2/ |
271.946
|
277.722
|
292.613 |
289.339 |
|
310.863 |
295.555
|
278.578
|
259.685 |
|
|
Non-performing Loans |
257.741
|
267.116
|
281.826
|
281.908
|
|
293.829
|
288.970 |
266.838
|
245.102 |
|
| Loan Loss Reserves 1/ |
109.922 |
120.210 |
122.578 |
127.412
|
|
130.899 |
136.750 |
128.299
|
125.458 |
|
| ROPOA, gross |
135.621
|
144.791 |
148.686
|
158.574
|
|
164.216
|
167.786 |
177.350 |
183.028
|
|
| Restructured Loans, current |
58.524
|
61.898
|
61.090 |
69.276
|
|
69.150 |
67.299
|
75.030 |
80.610 |
|
|
Non-performing Assets |
393.362
|
411.907
|
430.512 |
440.482
|
|
458.045
|
456.756
|
444.188
|
428.130 |
|
| Gross Assets 3/ |
3,020.540 |
3,079.292
|
3,067.349
|
3,077.632
|
|
3,102.496
|
3,147.615
|
3,182.563
|
3,277.007
|
|
| Allowance for ROPOA |
4.245
|
7.253
|
7.148
|
7.447
|
|
7.607
|
8.519
|
9.083
|
10.137 |
|
| Distressed Assets 4/ |
451.886
|
473.805
|
491.602
|
509.758
|
|
527.195
|
524.055
|
519.218
|
508.740 |
|
| Thrift
Banks |
|
|
|
|
|
|
|
|
|
|
|
Interbank Loans Receivable |
5.826 |
6.098 |
3.873 |
4.858 |
|
3.280
|
8.052 |
7.238 |
7.617 |
|
| Total Loan Portfolio, gross (inclusive
of IBL) 1/ |
139.053
|
140.695 |
138.665 |
141.760
|
|
142.960
|
152.465
|
154.333
|
150.860
|
|
| Past Due Loans 2/ |
16.891 |
17.070
|
17.535
|
17.690
|
|
21.148
|
21.441 |
22.904
|
19.682 |
|
|
Non-performing Loans |
16.022 |
16.289 |
17.031 |
17.021 |
|
20.615 |
20.496 |
21.057 |
17.464 |
|
| Loan Loss Reserves 1/ |
7.955 |
8.077
|
8.265 |
8.697 |
|
9.392 |
9.515 |
9.200
|
7.530
|
|
| ROPOA, gross |
21.862 |
24.048 |
24.791
|
26.165 |
|
27.045 |
28.539 |
29.117 |
27.079 |
|
| Restructured Loans, current |
2.346 |
3.642 |
2.357 |
2.371
|
|
0.936 |
2.668 |
2.434 |
2.178 |
|
|
Non-performing Assets |
37.884
|
40.337 |
41.822 |
43.186
|
|
47.660
|
49.034 |
50.174 |
44.543 |
|
| Gross Assets 3/ |
243.892
|
247.835 |
245.153 |
254.753 |
|
253.687 |
266.843 |
271.653 |
261.958 |
|
| Allowance for ROPOA |
0.921 |
1.017 |
0.991 |
0.832 |
|
0.856 |
0.862 |
1.033 |
1.021 |
|
| Distressed Assets 4/ |
40.230
|
43.979 |
44.179 |
45.557 |
|
48.596 |
51.703 |
52.608 |
46.721 |
|
| Rural
and Cooperative Banks |
|
|
|
|
|
|
|
|
|
|
|
Interbank Loans Receivable |
0.000 |
0.000 |
0.000 |
0.000 |
|
0.000 |
0.000 |
0.000 |
0.000 |
|
| Total Loan Portfolio, gross (inclusive
of IBL) 1/ |
42.573
|
43.114 |
44.313 |
45.345 |
|
46.462 |
47.627 |
49.679 |
50.600
|
|
| Past Due Loans 2/ |
7.937 |
7.953 |
7.663 |
7.731 |
|
8.109
|
8.313 |
8.642 |
8.605 |
|
|
Non-performing Loans |
7.442 |
7.359
|
6.815 |
6.865 |
|
7.028 |
7.065 |
7.300
|
7.057 |
|
| Loan Loss Reserves 1/ |
2.258
|
2.329 |
2.388 |
2.486 |
|
2.510
|
2.525 |
2.499 |
2.459 |
|
| ROPOA, gross |
5.783 |
6.070
|
6.228 |
6.679 |
|
7.160
|
7.130
|
7.359
|
7.493 |
|
| Restructured Loans, current |
1.025 |
1.124 |
1.104 |
1.041 |
|
1.113
|
1.064 |
0.974 |
0.911 |
|
|
Non-performing Assets |
13.225
|
13.429
|
13.043 |
13.544
|
|
14.188 |
14.195
|
14.659 |
14.550
|
|
| Gross Assets 3/ |
69.119
|
71.190
|
71.498 |
73.913 |
|
76.362 |
79.352 |
81.373 |
83.556 |
|
| Allowance for ROPOA |
0.138 |
0.148 |
0.147 |
0.152
|
|
0.155
|
0.167 |
0.175 |
0.187
|
|
| Distressed Assets 4/ |
14.250
|
14.553 |
14.147 |
14.585 |
|
15.301 |
15.259 |
15.633 |
15.461 |
|
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|
|
| 10 SELECTED ASSET
QUALITY INDICATORS |
|
| Philippine Banking System |
|
|
| as of end of periods indicated |
|
|
| in percent |
|
|
| |
|
|
|
|
|
|
|
|
|
|
| RATIOS |
2001 |
|
2002 |
|
| Mar |
June |
Sept |
Dec |
|
Mar |
June |
Sept |
Dec |
|
| |
|
|
|
|
|
|
|
|
|
|
| All
Banks |
|
|
|
|
|
|
|
|
|
|
| LLR to TLP |
6.9 |
7.4 |
7.6 |
7.6 |
|
7.8 |
8.3 |
7.7 |
7.4 |
|
| Past Due Ratio |
17.1 |
17.2 |
18.1 |
17.4 |
|
18.7 |
18.1 |
16.9 |
15.5 |
|
| NPL Ratio (inclusive of IBL) |
16.2 |
16.5 |
17.4 |
16.9 |
|
17.6 |
17.6 |
16.2 |
14.6 |
|
| NPL Ratio (exclusive of IBL) |
17.7 |
18.1 |
19.3 |
19.0 |
|
19.7 |
20.0 |
18.3 |
16.6 |
|
| NPL Coverage Ratio |
42.7 |
44.9 |
43.6 |
45.3 |
|
44.4 |
47.0 |
47.4 |
50.2 |
|
| NPA
Ratio |
13.3 |
13.7 |
14.3 |
14.6 |
|
15.1 |
14.9 |
14.4 |
13.4 |
|
| NPA Coverage Ratio |
28.2 |
29.9 |
29.2 |
29.6 |
|
29.1 |
30.5 |
29.5 |
30.1 |
|
| Distressed Asset Ratio |
26.7 |
27.5 |
28.4 |
28.4 |
|
29.3 |
29.5 |
28.8 |
27.7 |
|
| Universal
and Commercial Banks |
|
|
|
|
|
|
|
|
|
|
| LLR to TLP |
7.1 |
7.6 |
7.8 |
7.8 |
|
8.0 |
8.5 |
7.9 |
7.7 |
|
| Past Due Ratio |
17.5 |
17.6 |
18.6 |
17.8 |
|
19.0 |
18.5 |
17.0 |
15.7 |
|
| NPL Ratio (inclusive of IBL) |
16.6 |
17.0 |
17.9 |
17.3 |
|
18.0 |
18.1 |
16.4 |
15.0 |
|
| NPL Ratio (exclusive of IBL) |
18.3 |
18.7 |
20.1 |
19.8 |
|
20.4 |
20.8 |
18.8 |
17.1 |
|
| NPL Coverage Ratio |
42.6 |
45.0 |
43.5 |
45.2 |
|
44.5 |
47.3 |
48.1 |
51.2 |
|
| NPA
Ratio |
13.0 |
13.4 |
14.0 |
14.3 |
|
14.8 |
14.5 |
14.0 |
13.1 |
|
| NPA Coverage Ratio |
29.0 |
30.9 |
30.1 |
30.6 |
|
30.2 |
31.8 |
30.9 |
31.7 |
|
| Distressed Asset Ratio |
26.8 |
27.5 |
28.6 |
28.6 |
|
29.3 |
29.6 |
28.8 |
27.9 |
|
| Thrift
Banks |
|
|
|
|
|
|
|
|
|
|
| LLR to TLP |
5.7 |
5.7 |
6.0 |
6.1 |
|
6.6 |
6.2 |
6.0 |
5.0 |
|
| Past Due Ratio |
12.1 |
12.1 |
12.6 |
12.5 |
|
14.8 |
14.1 |
14.8 |
13.0 |
|
| NPL Ratio (inclusive of IBL) |
11.5 |
11.6 |
12.3 |
12.0 |
|
14.4 |
13.4 |
13.6 |
11.6 |
|
| NPL Ratio (exclusive of IBL) |
12.0 |
12.1 |
12.6 |
12.4 |
|
14.8 |
14.2 |
14.3 |
12.2 |
|
| NPL Coverage Ratio |
49.7 |
49.6 |
48.5 |
51.1 |
|
45.6 |
46.4 |
43.7 |
43.1 |
|
| NPA
Ratio |
15.5 |
16.3 |
17.1 |
17.0 |
|
18.8 |
18.4 |
18.5 |
17.0 |
|
| NPA Coverage Ratio |
23.4 |
22.5 |
22.1 |
22.1 |
|
21.5 |
21.2 |
20.4 |
19.2 |
|
| Distressed Asset Ratio |
25.0 |
26.7 |
27.0 |
27.1 |
|
28.6 |
28.6 |
28.7 |
26.3 |
|
| Rural
and Cooperative Banks |
|
|
|
|
|
|
|
|
|
|
| LLR to TLP |
5.3 |
5.4 |
5.4 |
5.5 |
|
5.4 |
5.3 |
5.0 |
4.9 |
|
| Past Due Ratio |
18.6 |
18.4 |
17.3 |
17.0 |
|
17.5 |
17.5 |
17.3 |
16.9 |
|
| NPL
Ratio |
17.5 |
17.1 |
15.4 |
15.1 |
|
15.1 |
14.8 |
14.7 |
13.9 |
|
| NPL Coverage Ratio |
30.3 |
31.6 |
35.0 |
36.2 |
|
35.7 |
35.7 |
34.2 |
34.8 |
|
| NPA
Ratio |
19.1 |
18.9 |
18.2 |
18.3 |
|
18.6 |
17.9 |
18.0 |
17.4 |
|
| NPA Coverage Ratio |
18.1 |
18.4 |
19.4 |
19.5 |
|
18.8 |
19.0 |
18.2 |
18.2 |
|
| Distressed Asset Ratio |
29.5 |
29.6 |
28.0 |
28.0 |
|
28.5 |
27.9 |
27.4 |
26.6 |
|
| 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/ Net of
loans classified as "Loss" fully covered by Allowance for Probable
Losses as redefined per BSP Circular 351 dated September 2002 |
| 2/ Inclusive of Items In Litigation |
|
|
| 3/ Refers to Total Assets net of reserves plus Loan Loss
Reserves (LLR) plus Provisions for ROPOA |
|
|
| 4/ Refers to Non-Performing Loans (NPLs), ROPOA gross and
Restructured Loans, current |
| Legend: |
|
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|
|
| TLP refers to Total Loan Portfolio (gross) |
| 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 consists of NPLs and ROPOA, gross |
| Note: Details may not add up to totals due to rounding-off |
|
|
| Source : Supervisory Reports & Studies Office,
Supervision and Examination Sector |
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| Updated as of
12 March 2004 |
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