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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 |
2001 |
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2002 |
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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 |
5.826 |
6.098 |
3.873 |
4.858 |
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3.280
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8.052 |
7.238 |
7.617 |
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| Total Loan Portfolio, gross (inclusive
of IBL) 1/ |
139.053
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140.695 |
138.665 |
141.760
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142.960
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152.465
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154.333
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150.860
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| Past Due Loans 2/ |
16.891 |
17.070
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17.535
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17.690
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21.148
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21.441 |
22.904
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19.682 |
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Non-performing Loans |
16.022 |
16.289 |
17.031 |
17.021 |
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20.615 |
20.496 |
21.057 |
17.464 |
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| Loan Loss Reserves 1/ |
7.955 |
8.077
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8.265 |
8.697 |
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9.392 |
9.515 |
9.200
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7.530
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| ROPOA, gross |
21.862 |
24.048 |
24.791
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26.165 |
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27.045 |
28.539 |
29.117 |
27.079 |
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| Restructured Loans, current |
2.346 |
3.642 |
2.357 |
2.371
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0.936 |
2.668 |
2.434 |
2.178 |
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Non-performing Assets |
37.884
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40.337 |
41.822 |
43.186
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47.660
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49.034 |
50.174 |
44.543 |
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| Gross Assets 3/ |
243.892
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247.835 |
245.153 |
254.753 |
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253.687 |
266.843 |
271.653 |
261.958 |
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| Allowance for ROPOA |
0.921 |
1.017 |
0.991 |
0.832 |
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0.856 |
0.862 |
1.033 |
1.021 |
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| Distressed Assets 4/ |
40.230
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43.979 |
44.179 |
45.557 |
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48.596 |
51.703 |
52.608 |
46.721 |
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| RATIOS
(%) |
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| TOTAL
THRIFT BANKS |
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| LLR to TLP |
5.7 |
5.7 |
6.0 |
6.1 |
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6.6 |
6.2 |
6.0 |
5.0 |
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| Past Due Ratio |
12.1 |
12.1 |
12.6 |
12.5 |
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14.8 |
14.1 |
14.8 |
13.0 |
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| NPL Ratio (inclusive of IBL) |
11.5 |
11.6 |
12.3 |
12.0 |
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14.4 |
13.4 |
13.6 |
11.6 |
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| NPL Ratio (exclusive of IBL) |
12.0 |
12.1 |
12.6 |
12.4 |
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14.8 |
14.2 |
14.3 |
12.2 |
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| NPL Coverage Ratio |
49.7 |
49.6 |
48.5 |
51.1 |
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45.6 |
46.4 |
43.7 |
43.1 |
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| NPA Ratio
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15.5 |
16.3 |
17.1 |
17.0 |
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18.8 |
18.4 |
18.5 |
17.0 |
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| NPA Coverage Ratio |
23.4 |
22.5 |
22.1 |
22.1 |
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21.5 |
21.2 |
20.4 |
19.2 |
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| Distressed Asset Ratio |
25.0 |
26.7 |
27.0 |
27.1 |
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28.6 |
28.6 |
28.7 |
26.3 |
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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 |
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| 3/ Refers to
Total Assets net of reserves plus Loan Loss Reserves (LLR) plus Provisions
for ROPOA |
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| 4/ 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 |
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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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