| |
|
|
|
|
|
|
|
|
|
|
| 10 SELECTED ASSET
QUALITY INDICATORS 1/ |
|
|
|
|
|
| Philippine Banking System |
|
|
|
|
|
| as of end of periods indicated |
|
|
|
|
|
| in billion pesos |
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
|
|
| ACCOUNTS |
2003 |
|
2004 |
|
| Mar |
June r/ |
Sept |
Dec r/ |
|
Mar |
June |
Sept |
Dec |
|
| All Banks |
|
|
|
|
|
|
|
|
|
|
|
Interbank Loans Receivable |
189.601 |
268.405
|
260.323 |
279.951 |
|
331.045 |
291.635 |
303.249 |
260.910 |
|
| Total Loan Portfolio, gross (inclusive
of IBL) |
1,836.621 |
1,900.719 |
1,929.674 |
1,961.368 |
|
1,995.460 |
1,996.476 |
2,013.727 |
2,017.161 |
|
| Past Due Loans 2/ |
300.681 |
305.473 |
302.072 |
292.248 |
|
294.718 |
292.377 |
294.951 |
269.471 |
|
|
Non-performing Loans |
279.732 |
284.523 |
276.313 |
271.398 |
|
274.191 |
271.410 |
274.435 |
252.861 |
|
|
Loan Loss Reserves |
136.657 |
140.522 |
135.105 |
139.904 |
|
139.862 |
140.760 |
141.591 |
146.733 |
|
| ROPOA, gross 3/ |
220.026 |
219.480 |
226.829 |
230.712 |
|
237.961 |
241.191 |
240.895 |
242.877 |
|
| Restructured Loans, current |
79.554 |
86.293 |
81.245 |
83.548 |
|
80.949 |
84.601 |
65.172 |
68.519 |
|
|
Non-performing Assets |
499.758 |
504.002 |
503.142 |
502.110 |
|
512.151 |
512.601 |
515.330 |
495.738 |
|
| Gross Assets 4/ |
3,615.158 |
3,684.768 |
3,697.898 |
3,816.332 |
|
3,951.997 |
4,030.798 |
4,073.377 |
4,188.957 |
|
| Allowance for ROPOA |
11.587
|
14.446 |
14.542 |
15.292 |
|
15.878 |
16.004 |
17.275 |
17.855 |
|
| Distressed Assets 5/ |
579.312 |
596.445 |
592.226 |
593.735 |
|
601.665 |
605.639 |
590.397 |
575.170 |
|
| |
|
|
|
|
|
|
|
|
|
|
| Ratios
(in percent) |
|
|
|
|
|
|
|
|
|
|
| LLR to TLP |
7.4 |
7.4 |
7.0 |
7.1 |
|
7.0 |
7.1 |
7.0 |
7.3 |
|
| Past Due Ratio |
16.2 |
15.9 |
15.5 |
14.7 |
|
14.6 |
14.5 |
14.5 |
13.3 |
|
| NPL Ratio (inclusive of IBL) |
15.2 |
15.0 |
14.3 |
13.8 |
|
13.7 |
13.6 |
13.6 |
12.5 |
|
| NPL Ratio (exclusive of IBL) |
17.0 |
17.4 |
16.6 |
16.1 |
|
16.5 |
15.9 |
16.0 |
14.4 |
|
| NPL Coverage Ratio |
48.9 |
49.4 |
48.9 |
51.5 |
|
51.0 |
51.9 |
51.6 |
58.0 |
|
| NPA Ratio
|
13.8 |
13.7 |
13.6 |
13.2 |
|
13.0 |
12.7 |
12.7 |
11.8 |
|
| NPA Coverage Ratio |
29.7 |
30.7 |
29.7 |
30.9 |
|
30.4 |
30.6 |
30.8 |
33.2 |
|
| Distressed Asset Ratio |
28.2 |
28.1 |
27.4 |
27.0 |
|
26.8 |
27.0 |
26.1 |
25.3 |
|
| |
|
|
|
|
|
|
|
|
|
|
| r/ Revised |
|
|
|
|
|
| 1/ As defined per BSP
Circular No. 202 dated 27 May 1999 amended by BSP Circular No. 351 dated 19
September 2002 |
|
|
|
|
|
| 2/ Inclusive of Items In Litigation |
|
|
|
|
|
| 3/
Refers to Real and Other Properties Owned or Acquired, gross excluding
performing sales contract receivables |
|
|
|
|
|
| as defined per BSP
Circular No. 380 dated 28 March 2003 |
|
|
|
|
|
| 4/ Refers to Total Assets, net of reserves plus Loan Loss
Reserves (LLR) plus provision for ROPOA |
|
|
|
|
|
| 5/ Refers to NPLs plus ROPOA, gross (inclusive of performing
Sales Contract Receivables) and Restructured Loans, current. Effective 31
July 2004, Restructured Loans performing was used. |
| Note: Details may not add up to totals due to rounding-off |
|
|
|
|
|
| Source: Supervisory Data Center, Supervision and Examination
Sector |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Updated as of
29 December 2005 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|