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| 28
SELECTED ASSET QUALITY INDICATORS 1/ |
| 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 |
2003 |
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2004 |
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| Mar |
June
r/ |
Sept |
Dec r/ |
|
Mar |
June |
Sept |
Dec |
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| TOTAL THRIFT BANKS |
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Interbank Loans Receivable |
4.092 |
5.217 |
4.012 |
5.937 |
|
4.374 |
5.396 |
4.901 |
6.070 |
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| Total Loan Portfolio, gross (inclusive
of IBL) |
146.634 |
149.840
|
154.922 |
158.511 |
|
156.168 |
160.360 |
163.824 |
169.253 |
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| Past Due Loans 2/ |
21.267 |
21.520 |
21.855 |
21.021 |
|
21.032 |
21.529 |
20.134 |
20.229 |
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Non-performing Loans |
18.638 |
19.304 |
19.779 |
19.154 |
|
19.299 |
19.468 |
18.631 |
18.564 |
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Loan Loss Reserves |
7.401 |
7.354 |
7.615 |
7.440
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|
7.532 |
7.399 |
7.242 |
6.874 |
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| ROPOA, gross 3/ |
26.956
|
24.828 |
25.674 |
26.540 |
|
30.096 |
31.253 |
31.182 |
31.227 |
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| Restructured Loans, current |
2.199 |
2.497 |
2.723 |
3.104
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|
3.091 |
2.895 |
2.950 |
3.050 |
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Non-performing Assets |
45.594 |
44.132 |
45.453 |
45.693
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|
49.394 |
50.721 |
49.813 |
49.790 |
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| Gross Assets 4/ |
259.470
|
265.448 |
270.326 |
282.837 |
|
288.743 |
297.515 |
301.304 |
313.992 |
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| Allowance for ROPOA |
1.034
|
1.056 |
1.063 |
1.104 |
|
1.105 |
1.181 |
1.539 |
1.683 |
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| Distressed Assets 5/ |
47.793 |
48.918 |
50.684 |
51.338 |
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55.153 |
56.527 |
55.809 |
56.283 |
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| RATIOS
(%) |
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| TOTAL
THRIFT BANKS |
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| LLR to TLP |
5.0 |
4.9 |
4.9 |
4.7 |
|
4.6 |
4.6 |
4.4 |
4.1 |
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| Past Due Ratio |
14.4 |
14.3 |
14.0 |
13.2 |
|
13.3 |
13.3 |
12.2 |
11.9 |
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| NPL Ratio (inclusive of IBL) |
12.7 |
12.9 |
12.8 |
12.1 |
|
12.1 |
12.1 |
11.4 |
11.0 |
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| NPL Ratio (exclusive of IBL) |
13.1 |
13.3 |
13.1 |
12.6 |
|
12.6 |
12.6 |
11.7 |
11.4 |
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| NPL Coverage Ratio |
39.7 |
38.1 |
38.5 |
38.8 |
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38.0 |
38.0 |
38.9 |
37.0 |
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| NPA Ratio
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17.6 |
16.6 |
16.8 |
16.2 |
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17.1 |
17.0 |
16.5 |
15.9 |
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| NPA Coverage Ratio |
18.5 |
19.1 |
19.1 |
18.7 |
|
16.9 |
16.9 |
17.6 |
17.2 |
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| Distressed Asset Ratio |
27.5 |
27.6 |
27.7 |
27.4 |
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29.1 |
29.1 |
28.2 |
27.6 |
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| 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 |
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| 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
performaing 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 |
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| Source:
Supervisory Data Center, Supervision and Examination Sector |
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| Updated as of
29 December 2005 |
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