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| 19 SELECTED ASSET
QUALITY INDICATORS |
|
| Universal and Commercial
Banking System |
|
|
| as of end of periods indicated |
|
| in billion pesos |
|
|
| |
|
|
|
|
|
|
|
|
|
|
| ACCOUNTS |
2001 |
|
2002 |
|
| Mar |
June |
Sept |
Dec |
|
Mar |
June |
Sept |
Dec |
|
| Total 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
|
|
| Universal
Banks |
|
|
|
|
|
|
|
|
|
|
|
Interbank Loans Receivable |
80.765 |
67.807 |
91.394 |
123.065
|
|
126.087
|
153.880
|
148.345
|
142.572
|
|
| Total Loan Portfolio, gross (inclusive
of IBL) 1/ |
1,178.339
|
1,178.118
|
1,199.194 |
1,249.791
|
|
1,253.585 |
1,229.483
|
1,255.337 |
1,290.375 |
|
| Past Due Loans 2/ |
228.376 |
232.452 |
246.977 |
241.084 |
|
257.733 |
238.601 |
232.868
|
223.319
|
|
|
Non-performing Loans |
215.969
|
221.455
|
238.376 |
234.659
|
|
248.481
|
235.101 |
224.445
|
214.549
|
|
| Loan Loss Reserves 1/ |
90.074
|
96.062
|
100.795 |
104.639 |
|
106.647
|
112.249 |
106.342 |
105.376 |
|
| ROPOA, gross |
121.163 |
127.038 |
130.395
|
139.577 |
|
145.036 |
148.881 |
153.325
|
159.518 |
|
| Restructured Loans, current |
51.786
|
53.863 |
53.115
|
60.963
|
|
60.587
|
59.442 |
62.740 |
70.338
|
|
|
Non-performing Assets |
337.132
|
348.493
|
368.771
|
374.236
|
|
393.517 |
383.982
|
377.770 |
374.067
|
|
| Gross Assets 3/ |
2,366.628
|
2,403.515
|
2,433.650 |
2,433.743
|
|
2,458.785
|
2,504.583
|
2,528.437
|
2,670.350 |
|
| Allowance for ROPOA |
3.498 |
6.203 |
6.361
|
6.448 |
|
6.540
|
7.678 |
7.986 |
8.954 |
|
| Distressed Assets 4/ |
388.918 |
402.356 |
421.886 |
435.199 |
|
454.104 |
443.424 |
440.510
|
444.405 |
|
| Commercial
Banks |
|
|
|
|
|
|
|
|
|
|
|
Interbank Loans Receivable |
63.202 |
81.308 |
78.363
|
78.175 |
|
64.730
|
59.232 |
57.958 |
66.481 |
|
| Total Loan Portfolio, gross (inclusive
of IBL) 1/ |
374.746
|
397.115
|
373.406 |
375.261 |
|
379.095 |
370.643
|
367.965 |
349.004 |
|
| Past Due Loans 2/ |
43.570 |
45.270 |
45.636 |
48.255 |
|
53.130
|
56.954
|
45.710
|
36.366
|
|
|
Non-performing Loans |
41.772
|
45.661
|
43.450
|
47.249 |
|
45.348 |
53.869 |
42.393 |
30.553 |
|
| Loan Loss Reserves 1/ |
19.848
|
24.148 |
21.783 |
22.773
|
|
24.252 |
24.501
|
21.957 |
20.082 |
|
| ROPOA, gross |
14.458 |
17.753 |
18.291
|
18.997
|
|
19.180
|
18.905
|
24.025 |
23.510
|
|
| Restructured Loans, current |
6.738
|
8.035
|
7.975 |
8.313 |
|
8.563 |
7.857
|
12.290
|
10.272
|
|
|
Non-performing Assets |
56.230 |
63.414
|
61.741 |
66.246
|
|
64.528
|
72.774
|
66.418
|
54.063
|
|
| Gross Assets 3/ |
653.912
|
675.777
|
633.699 |
643.889 |
|
643.711 |
643.032
|
654.126 |
606.657 |
|
| Allowance for ROPOA |
0.747
|
1.050
|
0.787 |
0.999
|
|
1.067 |
0.841 |
1.097
|
1.183 |
|
| Distressed Assets 4/ |
62.968 |
71.449 |
69.716 |
74.559 |
|
73.091 |
80.631
|
78.708 |
64.335 |
|
| |
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| 19 SELECTED ASSET
QUALITY INDICATORS |
|
| Universal and Commercial
Banking System |
|
|
| as of end of periods indicated |
|
| in percent |
|
|
| |
|
|
|
|
|
|
|
|
|
|
| RATIOS |
2001 |
|
2002 |
|
|
|
|
|
|
|
|
|
|
|
| Mar |
June |
Sept |
Dec |
|
Mar |
June |
Sept |
Dec |
|
| |
|
|
|
|
|
|
|
|
|
|
| Total |
|
|
|
|
|
|
|
|
|
|
| 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 |
|
| |
|
|
|
|
|
|
|
|
|
|
| Universal
Banks |
|
|
|
|
|
|
|
|
|
|
| LLR to TLP |
7.6 |
8.2 |
8.4 |
8.4 |
|
8.5 |
9.1 |
8.5 |
8.2 |
|
| Past Due Ratio |
19.4 |
19.7 |
20.6 |
19.3 |
|
20.6 |
19.4 |
18.4
|
17.1
|
|
| NPL Ratio (inclusive of IBL) |
18.3 |
18.8 |
19.9 |
18.8 |
|
19.8 |
19.1 |
17.9 |
16.6 |
|
| NPL Ratio (exclusive of IBL) |
19.7 |
19.9 |
21.5 |
20.8 |
|
22.0 |
21.9 |
20.3 |
18.7 |
|
| NPL Coverage Ratio |
41.7 |
43.4 |
42.3 |
44.6 |
|
42.9 |
47.7 |
47.4 |
49.1 |
|
| NPA
Ratio |
14.2 |
14.5 |
15.2 |
15.4 |
|
16.0 |
15.3 |
14.9 |
14.0 |
|
| NPA Coverage Ratio |
27.8 |
29.3 |
29.1 |
29.7 |
|
28.8 |
31.2 |
30.3 |
30.6 |
|
| Distressed Asset Ratio |
29.9 |
30.8 |
31.7 |
31.3 |
|
32.5 |
32.2 |
31.3 |
30.7 |
|
| |
|
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|
|
|
|
|
|
|
| Commercial
Banks |
|
|
|
|
|
|
|
|
|
|
| LLR to TLP |
5.3 |
6.1 |
5.8 |
6.1 |
|
6.4 |
6.6 |
6.0 |
5.8 |
|
| Past Due Ratio |
11.6 |
11.4 |
12.2 |
12.9 |
|
14.0 |
15.4 |
12.3
|
10.4
|
|
| NPL Ratio (inclusive of IBL) |
11.1 |
11.5 |
11.6 |
12.6 |
|
12.0 |
14.5 |
11.5 |
8.8 |
|
| NPL Ratio (exclusive of IBL) |
13.4 |
14.5 |
14.7 |
15.9 |
|
14.4 |
17.3 |
13.7 |
10.8 |
|
| NPL Coverage Ratio |
47.5 |
52.9 |
50.1 |
48.2 |
|
53.5 |
45.5 |
51.8 |
65.7 |
|
| NPA
Ratio |
8.6 |
9.4 |
9.7 |
10.3 |
|
10.0 |
11.3 |
10.2 |
8.9 |
|
| NPA Coverage Ratio |
36.6 |
39.7 |
36.6 |
35.9 |
|
39.2 |
34.8 |
34.7 |
39.3 |
|
| Distressed Asset Ratio |
16.2 |
17.2 |
17.8 |
18.9 |
|
18.4 |
20.7 |
20.1 |
17.3 |
|
| |
|
|
|
|
|
|
|
|
|
|
| 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: |
|
| 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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