| 16 SELECTED ASSET QUALITY INDICATORS 1/ | ||||||||||||||
| Universal and Commercial Banking System | ||||||||||||||
| as of end of periods indicated | ||||||||||||||
| in billion pesos | ||||||||||||||
| ACCOUNTS | Jan-06 | Feb-06 | Mar-06 | Apr-06 | May-06 | Jun-06 | Jul-06 | Aug-06 | Sep-06 | Oct-06 | Nov-06 | Dec-06 | ||
| Levels | ||||||||||||||
| TOTAL ASSETS | 3,822.395 | 3,810.419 | 3,830.094 | 3,807.917 | 3,934.821 | 4,019.682 | 3,984.420 | 3,984.666 | 4,006.729 | 4,096.745 | 4,196.407 | 4,289.285 | ||
| GROSS ASSETS 2/ | 3,948.170 | 3,952.419 | 3,969.890 | 3,947.812 | 4,069.523 | 4,148.791 | 4,113.516 | 4,120.124 | 4,143.094 | 4,226.922 | 4,322.200 | 4,401.475 | ||
| TOTAL LOAN PORTFOLIO (TLP), GROSS | 1,891.914 | 1,912.941 | 1,906.421 | 1,867.502 | 1,921.663 | 1,890.565 | 1,901.676 | 1,914.004 | 1,927.138 | 1,984.821 | 2,024.923 | 2,073.348 | ||
| LOAN LOSS RESERVES | 107.217 | 120.571 | 120.019 | 118.229 | 114.157 | 110.545 | 108.982 | 118.088 | 117.856 | 111.684 | 109.408 | 97.031 | ||
| INTERBANK LOANS RECEIVABLES | 353.854 | 360.354 | 378.760 | 322.175 | 325.293 | 323.010 | 307.261 | 326.604 | 328.894 | 336.440 | 361.055 | 403.110 | ||
| RESTRUCTURED LOANS(RL), GROSS | 100.925 | 99.326 | 99.703 | 100.220 | 98.844 | 97.671 | 97.528 | 96.709 | 96.210 | 95.233 | 94.726 | 79.950 | ||
| RESTRUCTURED LOANS, CURRENT/PERFORMING | 51.051 | 48.771 | 52.160 | 53.425 | 52.676 | 52.043 | 52.651 | 51.086 | 50.800 | 46.543 | 48.803 | 47.378 | ||
| NON-PERFORMING LOANS | 142.920 | 153.462 | 152.676 | 150.962 | 145.728 | 136.530 | 135.352 | 144.299 | 143.096 | 140.952 | 139.717 | 117.410 | ||
| ROPOA, GROSS | 189.519 | 192.565 | 192.324 | 192.164 | 187.825 | 185.603 | 186.586 | 186.133 | 184.974 | 186.467 | 180.125 | 170.339 | ||
| ALLOWANCE FOR ROPOA | 18.558 | 21.429 | 19.776 | 21.666 | 20.545 | 18.564 | 20.115 | 17.369 | 18.508 | 18.493 | 16.385 | 15.158 | ||
| NON-PERFORMING ASSETS (NPA) 3/ | 322.881 | 340.842 | 335.497 | 337.935 | 324.076 | 314.727 | 317.741 | 320.746 | 318.240 | 315.698 | 307.942 | 276.527 | ||
| ALLOWANCE ON NPA | 125.775 | 140.151 | 139.796 | 138.144 | 132.973 | 129.109 | 127.397 | 135.457 | 136.365 | 130.177 | 125.792 | 112.189 | ||
| DISTRESSED ASSETS 4/ | 383.490 | 394.798 | 397.160 | 396.551 | 386.229 | 376.421 | 374.590 | 381.518 | 378.870 | 373.961 | 368.645 | 335.126 | ||
| ROPOA, GROSS (Net of Performing SCR) | 179.961 | 182.925 | 182.821 | 182.470 | 178.424 | 168.705 | 176.828 | 176.446 | 174.596 | 174.746 | 168.224 | 159.117 | ||
| PERFORMING SALES CONTRACT RECEIVABLES (SCR) | 9.558 | 9.640 | 9.502 | 9.693 | 9.401 | 16.898 | 9.758 | 9.687 | 10.378 | 11.720 | 11.900 | 11.221 | ||
| PAST DUE LOANS | 165.078 | 164.911 | 163.042 | 163.426 | 158.970 | 155.404 | 157.743 | 156.175 | 159.090 | 164.945 | 162.968 | 139.466 | ||
| Annual Growth Rates | ||||||||||||||
| TOTAL ASSETS | 3.4 | 1.1 | 0.1 | 0.6 | 2.5 | 6.1 | 3.8 | 3.6 | 5.8 | 9.2 | 9.7 | 11.2 | ||
| GROSS ASSETS 2/ | 3.1 | 0.8 | (0.2) | 0.3 | 1.9 | 5.5 | 3.3 | 3.3 | 5.3 | 8.5 | 9.0 | 10.2 | ||
| TOTAL LOAN PORTFOLIO (TLP), GROSS | 5.8 | 5.2 | 4.0 | 2.8 | 2.7 | 4.6 | 3.7 | 3.6 | 6.5 | 11.1 | 8.0 | 10.7 | ||
| LOAN LOSS RESERVES | (9.1) | (12.3) | (10.4) | (10.0) | (16.5) | (12.9) | (13.5) | (6.2) | (7.1) | (12.0) | (7.3) | (18.5) | ||
| INTERBANK LOANS RECEIVABLES | 21.0 | 21.6 | 27.4 | 14.5 | 18.2 | 6.5 | 5.6 | 12.0 | 8.4 | 16.3 | 15.1 | 18.6 | ||
| RESTRUCTURED LOANS(RL), GROSS | (18.7) | (24.2) | (17.0) | (16.7) | (18.3) | (9.5) | (15.3) | (12.3) | (10.8) | (11.5) | (9.5) | (19.2) | ||
| RESTRUCTURED LOANS, CURRENT/PERFORMING | (20.8) | (25.7) | (15.8) | (14.2) | (15.0) | (11.1) | (19.2) | (13.0) | (13.2) | (16.6) | (8.3) | (6.7) | ||
| NON-PERFORMING LOANS | (28.8) | (28.4) | (26.3) | (26.1) | (30.9) | (20.0) | (22.1) | (16.9) | (16.1) | (18.2) | (14.9) | (23.6) | ||
| ROPOA, GROSS | (7.9) | (3.5) | (3.4) | (1.3) | (2.5) | (7.3) | (3.0) | (7.3) | (7.6) | (6.8) | (7.1) | (10.5) | ||
| ALLOWANCE FOR ROPOA | 24.6 | 31.2 | 30.5 | 21.3 | 14.1 | 1.2 | 11.4 | (4.6) | 0.9 | (1.7) | (17.7) | (19.0) | ||
| NON-PERFORMING ASSETS (NPA) 3/ | (19.6) | (16.8) | (15.5) | (14.5) | (17.5) | (15.4) | (12.5) | (12.2) | (12.0) | (13.1) | (11.7) | (17.3) | ||
| ALLOWANCE ON NPA | (5.6) | (7.7) | (5.9) | (6.3) | (12.8) | (11.1) | (10.4) | (6.0) | (6.1) | (10.7) | (8.8) | (18.6) | ||
| DISTRESSED ASSETS 4/ | (19.0) | (17.5) | (15.0) | (13.9) | (16.7) | (12.8) | (13.1) | (11.9) | (11.8) | (12.7) | (10.4) | (15.1) | ||
| ROPOA, GROSS (Net of Performing SCR) | (9.3) | (4.2) | (4.1) | (2.0) | (3.0) | (11.3) | (3.6) | (8.0) | (8.3) | (8.5) | (8.8) | (12.0) | ||
| PERFORMING SALES CONTRACT RECEIVABLES (SCR) | 30.1 | 12.8 | 14.5 | 13.9 | 9.7 | 76.7 | 9.4 | 8.3 | 6.5 | 28.7 | 26.0 | 17.5 | ||
| PAST DUE LOANS | (30.9) | (25.0) | (23.7) | (22.3) | (23.9) | (11.9) | (90.8) | (90.9) | (13.1) | (90.1) | (90.7) | (14.1) | ||
| Selected Ratios (%) | ||||||||||||||
| Past Due Ratio | 8.6 | 8.6 | 8.5 | 8.7 | 8.2 | 8.1 | 8.2 | 8.1 | 8.2 | 8.2 | 8.0 | 6.7 | ||
| RL to TLP | 5.3 | 5.2 | 5.2 | 5.3 | 5.1 | 5.1 | 5.1 | 5.0 | 5.0 | 4.7 | 4.6 | 3.8 | ||
| LLR to TLP | 5.7 | 6.3 | 6.3 | 6.3 | 5.9 | 5.8 | 5.7 | 6.2 | 6.1 | 5.6 | 5.4 | 4.7 | ||
| NPL Ratio (inclusive of IBL) | 7.6 | 8.0 | 8.0 | 8.1 | 7.6 | 7.2 | 7.1 | 7.5 | 7.4 | 7.1 | 6.9 | 5.7 | ||
| NPL Ratio (exclusive of IBL) | 9.3 | 9.9 | 10.0 | 9.8 | 9.1 | 8.7 | 8.5 | 9.1 | 9.0 | 8.6 | 8.4 | 7.0 | ||
| NPL Coverage 5/ | 75.0 | 78.6 | 78.6 | 78.3 | 78.3 | 81.0 | 80.5 | 81.8 | 82.4 | 79.2 | 78.3 | 82.6 | ||
| NPA to Gross Assets | 8.2 | 8.6 | 8.5 | 8.6 | 8.0 | 7.6 | 7.7 | 7.8 | 7.7 | 7.5 | 7.1 | 6.3 | ||
| NPA Coverage 6/ | 39.0 | 41.1 | 41.7 | 40.9 | 41.0 | 41.0 | 40.1 | 42.2 | 42.8 | 41.2 | 40.8 | 40.6 | ||
| Distressed Assets 7/ | 18.4 | 18.8 | 18.9 | 19.3 | 18.3 | 18.1 | 17.9 | 18.2 | 17.9 | 17.2 | 16.7 | 14.9 | ||
| 1/ As defined per BSP Circular No. 202 dated 27 May 1999 amended by BSP Circular No. 351 dated 19 September 2002 | ||||||||||||||
| 2/ Refers to Total Assets, net of reserves plus Loan Loss Reserves (LLR) plus provision for ROPOA | ||||||||||||||
| 3/ Refers to NPLs plus ROPOA as defined per BSP Circular No. 351 and 380, respectively | ||||||||||||||
| 4/ Refers to NPLs plus ROPOA, gross and Restructured Loans, performing. | ||||||||||||||
| 5/ Refers to the ratio of LLR to NPLs | ||||||||||||||
| 6/ Refers to the ratio of valuation reserves (for Loans and ROPOA) to NPAs | ||||||||||||||
| 7/ Refers to the ratio of Distressed Assets to TLP plus ROPOA, gross | ||||||||||||||
| Note: Details may not add up to totals due to rounding-off | ||||||||||||||
| Source : Supervisory Data Center, Supervision and Examination Sector | ||||||||||||||
| Updated as of 10 September 2007 | ||||||||||||||