19 CONSOLIDATED FINANCIAL STATEMENTS  
Universal Banks
as of end of periods indicated
in billion pesos
 
Selected Accounts UNIVERSAL BANKS
  January 2005 February 2005 March 2005 April 2005 May 2005 June 2005 July 2005 August 2005 September 2005 October 2005 November 2005 December 2005
       
 
ASSET QUALITY INDICATORS 1/
GROSS ASSETS 2/   3,087.102    3,107.461   3,132.597  3,100.367  3,149.026   3,216.847     3,182.102     3,227.933     3,194.059     3,169.835     3,217.098     3,288.280
TOTAL LOAN PORTFOLIO, GROSS   1,443.637    1,450.530   1,450.803  1,425.011  1,472.743   1,518.704     1,446.861     1,465.606     1,451.053     1,453.377     1,513.935     1,543.449
LOAN LOSS RESERVES      117.548       118.524      114.965     112.478     112.888      108.203        109.091        107.099        108.380        108.823        101.274        108.971
INTERBANK LOANS RECEIVABLES      218.627       215.043      213.502     204.924     201.488      242.860        208.274        214.219        235.001        228.273        249.063        279.201
RESTRUCTURED LOANS, GROSS      112.508       118.915      107.268     107.457     107.338      101.436        101.294          96.355          94.751          93.854          92.919          88.815
RESTRUCTURED LOANS, CURRENT/PERFORMING        57.163         57.676        53.805       54.221       52.844        57.595          55.745          49.230          48.964          46.515          45.720          43.167
NON-PERFORMING LOANS      194.075       189.289      180.517     177.559     177.120      148.246        148.667        146.865        144.123        145.830        137.738        140.931
ROPOA, GROSS      182.414       181.323      180.935     176.833     175.008      175.043        174.805        178.822        178.202        177.841        176.476        177.954
ALLOWANCE FOR ROPOA        15.001         15.265        15.555       16.895       17.088        17.072          17.045          17.196          17.316          17.608          18.877          18.738
NON-PERFORMING ASSETS (NPA) 3/      370.573       363.529      354.628     347.460     345.134      316.304        316.202        318.433        315.028        316.409        307.195        311.729
ALLOWANCE ON NPA      132.549       133.789      130.520     129.372     129.976      125.274        126.136        124.295        125.696        126.431        120.151        127.708
DISTRESSED ASSETS  4/      433.652       428.288      415.258     408.613     404.973      380.885        379.218        374.917        371.290        370.187        359.935        362.052
ROPOA, GROSS (Net of Performing SCR)      176.498       174.239      174.111     169.901     168.013      168.057        167.535        171.568        170.904        170.579        169.456        170.798
PERFORMING SALES CONTRACT RECEIVABLES (SCR)          5.916           7.084          6.824         6.932         6.995          6.986            7.271            7.254            7.298            7.262            7.020            7.155
 
1/ Pursuant to Circular No. 351 and 380
2/ Refers to Total Assets, net of reserves plus Loan Loss Reserves (LLR) plus provision for ROPOA
3/ Refers to NPLs plus ROPOA (effective June 2003, ROPOA net of Performing Sales Receivables)
4/ Refers to the sum of Non Performing Loans, ROPOA (Gross) and Restructured Loans, current.
     Effective 31 July 2004, Restructured Loans, performing was used in lieu of Restructured Loans, current.
Note: Details may not add-up to totals due to rounding-off
Source: Supervisory Data Center, Supervision and Examination Sector