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| 37
SELECTED ASSET QUALITY INDICATORS 1/ |
| Rural and Cooperative Banking
System |
|
|
|
|
|
| as of end of periods indicated |
|
|
|
|
|
| in billion pesos |
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
|
|
| ACCOUNTS |
2003 |
|
2004 |
|
| Mar |
June |
Sept |
Dec |
|
Mar |
June |
Sept |
Dec |
|
| Total
Rural and Cooperative Banks |
|
|
|
|
|
|
|
|
|
|
| Total Loan Portfolio, gross |
51.493 |
52.999 |
54.838 |
55.706 |
|
56.758 |
57.456 |
60.765 |
63.667 |
|
| Past Due Loans 2/ |
8.930
|
9.197 |
9.339 |
9.079 |
|
9.431 |
9.494 |
9.669 |
10.054 |
|
|
Non-performing Loans |
7.177 |
7.283 |
7.386 |
6.736 |
|
7.114 |
7.089 |
7.050 |
7.269 |
|
|
Loan Loss Reserves |
2.484
|
2.558 |
2.642 |
2.451 |
|
2.512 |
2.450 |
2.612 |
2.736 |
|
| ROPOA, gross 3/ |
7.674 |
7.643 |
7.916 |
7.411 |
|
7.646 |
7.954 |
8.053 |
8.286 |
|
| Restructured Loans, current |
0.938 |
0.891 |
0.918 |
0.595 |
|
0.606 |
0.594 |
0.525 |
0.542 |
|
| Non-performing Assets |
14.851 |
14.926 |
15.302 |
14.147 |
|
14.760 |
15.043 |
15.103 |
15.555 |
|
| Gross Assets 4/ |
85.565 |
87.596 |
89.931 |
92.321 |
|
95.854 |
98.397 |
100.079 |
104.328 |
|
| Allowance for ROPOA |
0.189
|
0.188 |
0.196 |
0.198 |
|
0.213 |
0.231 |
0.243 |
0.264 |
|
| Distressed Assets 5/ |
15.789
|
15.817 |
16.220 |
14.742 |
|
15.366 |
15.637 |
15.628 |
16.098 |
|
| Rural
Banks |
|
|
|
|
|
|
|
|
|
|
| Total Loan Portfolio, gross |
47.496
|
48.864
|
50.575
|
51.552
|
|
52.495
|
53.096
|
56.155
|
58.913
|
|
| Past Due Loans 2/ |
8.175
|
8.426
|
8.570
|
8.417
|
|
8.742
|
8.801
|
8.972
|
9.290
|
|
|
Non-performing Loans |
6.557
|
6.639
|
6.702
|
6.236
|
|
6.570
|
6.582
|
6.540
|
6.730
|
|
|
Loan Loss Reserves |
2.279
|
2.348
|
2.413
|
2.252
|
|
2.308
|
2.269
|
2.422
|
2.512
|
|
| ROPOA, gross 3/ |
7.437
|
7.399
|
7.661
|
7.166
|
|
7.401
|
7.705
|
7.792
|
8.008
|
|
| Restructured Loans, current |
0.820 |
0.774
|
0.799
|
0.485
|
|
0.496
|
0.487
|
0.415
|
0.435
|
|
| Non-performing Assets |
13.994 |
14.039
|
14.363
|
13.402
|
|
13.971
|
14.287
|
14.333
|
14.738
|
|
| Gross Assets 4/ |
79.860 |
81.817
|
83.999
|
86.457
|
|
89.830
|
92.174
|
93.634
|
97.693
|
|
| Allowance for ROPOA |
0.185
|
0.184 |
0.191 |
0.194 |
|
0.208 |
0.226 |
0.239 |
0.259 |
|
| Distressed Assets 5/ |
14.814
|
14.813 |
15.162 |
13.887 |
|
14.467 |
14.773 |
14.748 |
15.173 |
|
| Cooperative
Banks |
|
|
|
|
|
|
|
|
|
|
| Total Loan Portfolio, gross |
3.997
|
4.135
|
4.263
|
4.155
|
|
4.263
|
4.360
|
4.611
|
4.754
|
|
| Past Due Loans 2/ |
0.755 |
0.771
|
0.769
|
0.662
|
|
0.689
|
0.693
|
0.697
|
0.765
|
|
|
Non-performing Loans |
0.620 |
0.644
|
0.684
|
0.500
|
|
0.544
|
0.507
|
0.510
|
0.539
|
|
|
Loan Loss Reserves |
0.205
|
0.210
|
0.229
|
0.199 |
|
0.205 |
0.181
|
0.190
|
0.224
|
|
| ROPOA, gross 3/ |
0.237
|
0.244
|
0.255
|
0.245
|
|
0.245
|
0.249 |
0.261
|
0.278
|
|
| Restructured Loans, current |
0.118
|
0.117
|
0.119
|
0.111
|
|
0.110
|
0.108
|
0.110
|
0.108
|
|
| Non-performing Assets |
0.857
|
0.887
|
0.939
|
0.745
|
|
0.789
|
0.756
|
0.770
|
0.817
|
|
| Gross Assets 4/ |
5.705
|
5.779
|
5.932
|
5.864
|
|
6.023
|
6.224 |
6.445
|
6.636
|
|
| Allowance for ROPOA |
0.004 |
0.004 |
0.006 |
0.004 |
|
0.004 |
0.005 |
0.005 |
0.005 |
|
| Distressed Assets 5/ |
0.975 |
1.004 |
1.058 |
0.855 |
|
0.899 |
0.864 |
0.881 |
0.925 |
|
| |
|
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| |
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|
| 37
SELECTED ASSET QUALITY INDICATORS 1/ |
| Rural and Cooperative Banking
System |
|
|
|
|
|
| as of end of periods indicated |
|
|
|
|
|
| in percent |
|
|
|
|
|
| |
|
|
|
|
|
|
|
|
|
|
| RATIOS |
2003 |
|
2004 |
|
| Mar |
June |
Sept |
Dec |
|
Mar |
June |
Sept |
Dec |
|
| |
|
|
|
|
|
|
|
|
|
|
| Total |
|
|
|
|
|
|
|
|
|
|
| LLR to TLP |
4.8 |
4.8 |
4.8 |
4.4 |
|
4.4 |
4.3 |
4.3 |
4.3 |
|
| Past Due Ratio |
17.3 |
17.3 |
17.0 |
16.2 |
|
16.5 |
16.4 |
15.8 |
15.7 |
|
| NPL Ratio |
13.9 |
13.7 |
13.5 |
12.1 |
|
12.5 |
12.3 |
11.6 |
11.4 |
|
| NPL Coverage Ratio |
34.6 |
35.1 |
35.8 |
36.4 |
|
35.3 |
34.6 |
37.1 |
37.6 |
|
| NPA Ratio
|
17.4 |
17.0 |
17.0 |
15.3 |
|
15.4 |
15.3 |
15.1 |
14.9 |
|
| NPA Coverage Ratio |
18.0 |
18.4 |
18.5 |
18.7 |
|
18.5 |
17.8 |
18.9 |
19.3 |
|
| Distressed Asset Ratio |
26.7 |
26.1 |
25.8 |
23.4 |
|
23.9 |
23.9 |
22.7 |
22.4 |
|
| |
|
|
|
|
|
|
|
|
|
|
| Rural
Banks |
|
|
|
|
|
|
|
|
|
|
| LLR to TLP |
4.8 |
4.8 |
4.8 |
4.4 |
|
4.4 |
4.3 |
4.3 |
4.3 |
|
| Past Due Ratio |
17.2 |
17.2 |
16.9 |
16.2 |
|
16.6 |
16.4 |
15.9 |
15.7 |
|
| NPL Ratio |
13.8 |
13.6 |
13.3 |
12.1 |
|
12.5 |
12.4 |
11.6 |
11.4 |
|
| NPL Coverage Ratio |
34.8 |
35.4 |
36.0 |
36.1 |
|
35.1 |
34.5 |
37.0 |
37.3 |
|
| NPA Ratio
|
17.5 |
17.2 |
17.1 |
15.5 |
|
15.6 |
15.5 |
15.3 |
15.1 |
|
| NPA Coverage Ratio |
17.6 |
18.0 |
18.1 |
18.2 |
|
18.0 |
17.5 |
18.6 |
18.8 |
|
| Distressed Asset Ratio |
27.0 |
26.3 |
26.0 |
23.7 |
|
24.2 |
24.3 |
23.1 |
22.7 |
|
| |
|
|
|
|
|
|
|
|
|
|
| Cooperative
Banks |
|
|
|
|
|
|
|
|
|
|
| LLR to TLP |
5.1 |
5.1 |
5.4 |
4.8 |
|
4.8 |
4.2 |
4.1 |
4.7 |
|
| Past Due Ratio |
18.8 |
18.5 |
18.0 |
15.8 |
|
16.1 |
15.7 |
14.9 |
15.9 |
|
| NPL Ratio |
15.5 |
15.6 |
16.1 |
12.0 |
|
12.8 |
11.6 |
11.1 |
11.3 |
|
| NPL Coverage Ratio |
33.1 |
32.7 |
33.5 |
39.8 |
|
37.6 |
35.7 |
37.4 |
41.5 |
|
| NPA Ratio
|
15.0 |
15.4 |
15.8 |
12.7 |
|
13.1 |
12.2 |
12.0 |
12.3 |
|
| NPA Coverage Ratio |
24.4 |
24.1 |
25.0 |
27.3 |
|
26.5 |
24.6 |
25.3 |
28.0 |
|
| Distressed Asset Ratio |
23.0 |
22.9 |
23.4 |
19.4 |
|
19.9 |
18.8 |
18.1 |
18.4 |
|
| |
|
|
|
|
|
|
|
|
|
|
| NPA Coverage w/ RL, current portion |
0.0 |
0.0 |
0.0 |
0.0 |
|
0.0 |
0.0 |
0.0 |
0.0 |
|
| |
|
|
|
|
|
|
|
|
|
|
| 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 performaing Sales Contract
Receivables) and Restructured Loans, current. |
| Note: Details
may not add up to totals due to rounding-off |
|
|
|
|
|
| Source:
Supervisory Data Center, Supervision and Examination Sector |
|
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|
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|
|
| Updated as of
29 December 2005 |
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|