| 25 SELECTED ASSET QUALITY INDICATORS 1/ | ||||||||||||||
| Universal Banking System 2/ | ||||||||||||||
| 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 | 3,115.015 | 3,090.531 | 3,106.703 | 3,075.239 | 3,175.281 | 3,242.561 | 3,206.770 | 3,268.283 | 3,302.365 | 3,384.842 | 3,452.981 | 3,549.080 | ||
| GROSS ASSETS 3/ | 3,224.115 | 3,215.719 | 3,229.584 | 3,198.053 | 3,293.458 | 3,354.571 | 3,319.755 | 3,389.312 | 3,424.709 | 3,500.811 | 3,564.469 | 3,647.062 | ||
| TOTAL LOAN PORTFOLIO (TLP), GROSS | 1,527.644 | 1,538.074 | 1,532.070 | 1,487.497 | 1,532.531 | 1,501.532 | 1,499.519 | 1,556.013 | 1,574.309 | 1,608.864 | 1,629.903 | 1,692.177 | ||
| LOAN LOSS RESERVES | 91.864 | 105.078 | 104.425 | 102.429 | 98.399 | 94.704 | 94.063 | 104.440 | 104.382 | 98.005 | 95.630 | 83.319 | ||
| INTERBANK LOANS RECEIVABLES | 276.575 | 276.701 | 293.375 | 235.621 | 236.807 | 231.010 | 212.574 | 233.889 | 227.417 | 233.206 | 270.039 | 302.409 | ||
| RESTRUCTURED LOANS(RL), GROSS | 88.915 | 87.419 | 87.587 | 87.796 | 86.471 | 84.860 | 84.924 | 85.954 | 85.404 | 84.494 | 84.115 | 69.304 | ||
| RESTRUCTURED LOANS, CURRENT/PERFORMING | 41.714 | 40.742 | 42.783 | 43.674 | 43.333 | 42.191 | 43.097 | 43.379 | 42.920 | 38.570 | 40.880 | 39.280 | ||
| NON-PERFORMING LOANS | 124.003 | 135.014 | 134.682 | 133.039 | 127.662 | 119.005 | 118.049 | 128.088 | 127.221 | 124.240 | 122.984 | 101.930 | ||
| ROPOA, GROSS | 172.819 | 175.798 | 175.408 | 175.081 | 170.924 | 170.849 | 169.621 | 171.904 | 170.776 | 172.252 | 165.708 | 156.299 | ||
| ALLOWANCE FOR ROPOA | 17.236 | 20.110 | 18.457 | 20.386 | 19.778 | 17.306 | 18.923 | 16.589 | 17.961 | 17.964 | 15.859 | 14.663 | ||
| NON-PERFORMING ASSETS (NPA) 4/ | 289.633 | 307.988 | 302.913 | 305.256 | 291.259 | 282.447 | 285.726 | 292.304 | 290.157 | 286.946 | 278.938 | 249.135 | ||
| ALLOWANCE ON NPA | 109.100 | 123.339 | 122.882 | 121.064 | 116.448 | 112.010 | 111.286 | 121.029 | 122.344 | 115.969 | 111.488 | 97.982 | ||
| DISTRESSED ASSETS 5/ | 338.536 | 351.554 | 352.874 | 351.794 | 341.919 | 332.045 | 330.768 | 343.371 | 340.916 | 335.062 | 329.572 | 297.509 | ||
| ROPOA, GROSS (Net of Performing SCR) | 165.630 | 168.519 | 168.231 | 167.714 | 163.673 | 163.443 | 162.116 | 164.215 | 162.936 | 162.706 | 155.953 | 147.204 | ||
| PERFORMING SALES CONTRACT RECEIVABLES (SCR) | 7.189 | 7.279 | 7.177 | 7.367 | 7.251 | 7.406 | 7.505 | 7.688 | 7.840 | 9.545 | 9.755 | 9.095 | ||
| PAST DUE LOANS | 142.635 | 142.825 | 141.276 | 141.783 | 137.085 | 133.572 | 135.424 | 137.392 | 139.527 | 144.646 | 143.025 | 119.894 | ||
| Annual Growth Rates | ||||||||||||||
| TOTAL ASSETS | 5.4 | 3.9 | 3.5 | 3.5 | 5.2 | 4.9 | 5.0 | 5.3 | 20.3 | 11.2 | 11.5 | 27.4 | ||
| GROSS ASSETS 3/ | 5.1 | 3.5 | 3.4 | 3.1 | 4.4 | 4.3 | 4.4 | 5.0 | 21.0 | 10.4 | 10.8 | 27.4 | ||
| TOTAL LOAN PORTFOLIO (TLP), GROSS | 7.1 | 6.0 | 17.7 | 4.4 | 3.7 | (1.1) | 3.7 | 6.2 | 30.6 | 10.7 | 7.7 | 29.0 | ||
| LOAN LOSS RESERVES | (6.4) | (11.3) | (2.0) | (8.9) | (16.9) | (12.5) | (12.9) | (2.5) | 37.7 | (9.9) | (5.6) | 23.7 | ||
| INTERBANK LOANS RECEIVABLES | 26.5 | 28.7 | 37.4 | 15.0 | 17.5 | (4.9) | 2.1 | 9.2 | 150.7 | 2.2 | 8.4 | 220.3 | ||
| RESTRUCTURED LOANS(RL), GROSS | (21.0) | (26.5) | (18.3) | (18.3) | (19.4) | (16.3) | (16.2) | (10.8) | 31.3 | (10.0) | (9.5) | (9.3) | ||
| RESTRUCTURED LOANS, CURRENT/PERFORMING | (27.0) | (29.4) | (20.5) | (19.5) | (18.0) | (26.7) | (22.7) | (11.9) | (10.0) | (17.1) | (10.6) | (47.9) | ||
| NON-PERFORMING LOANS | (26.7) | (28.7) | (20.3) | (25.1) | (30.5) | (19.7) | (19.9) | (12.8) | 21.7 | (14.8) | (10.7) | 20.1 | ||
| ROPOA, GROSS | (2.8) | (0.6) | (0.6) | 1.6 | 0.3 | (2.4) | (0.3) | (3.9) | 3.1 | (3.1) | (6.1) | 11.6 | ||
| ALLOWANCE FOR ROPOA | 24.9 | 31.7 | 30.3 | 20.7 | 15.7 | 1.4 | 11.0 | (3.5) | 77.5 | 2.0 | (16.0) | 36.2 | ||
| NON-PERFORMING ASSETS (NPA) 4/ | (15.7) | (15.3) | (10.4) | (12.1) | (15.6) | (10.7) | (9.6) | (8.2) | 9.3 | (9.3) | (9.2) | 15.5 | ||
| ALLOWANCE ON NPA | (2.8) | (6.4) | 2.1 | (5.1) | (12.6) | (10.6) | (9.7) | (2.6) | 45.7 | (8.3) | (7.2) | 26.4 | ||
| DISTRESSED ASSETS 5/ | (16.7) | (16.9) | (11.5) | (12.8) | (15.6) | (12.8) | (11.3) | (8.4) | 7.9 | (9.5) | (8.4) | 9.0 | ||
| ROPOA, GROSS (Net of Performing SCR) | (3.7) | (0.7) | (0.8) | 1.4 | 0.1 | (2.7) | (0.5) | (4.3) | 2.6 | (4.6) | (8.0) | 12.6 | ||
| PERFORMING SALES CONTRACT RECEIVABLES (SCR) | 21.5 | 2.8 | 5.2 | 6.3 | 3.7 | 6.0 | 3.2 | 6.0 | 6.9 | 31.4 | 39.0 | 4.6 | ||
| PAST DUE LOANS | (28.8) | (24.2) | (21.8) | (19.9) | (21.6) | (12.0) | (89.9) | (89.9) | 13.4 | (89.2) | (89.9) | 18.7 | ||
| Selected Ratios (%) | ||||||||||||||
| Past Due Ratio | 9.2 | 9.2 | 9.2 | 9.4 | 8.9 | 8.8 | 8.9 | 8.8 | 8.8 | 8.9 | 8.7 | 7.0 | ||
| RL to TLP | 5.7 | 3.2 | 5.7 | 3.5 | 3.4 | 5.6 | 3.4 | 3.3 | 5.4 | 2.7 | 2.8 | 4.0 | ||
| LLR to TLP | 6.0 | 18.0 | 6.8 | 15.8 | 15.5 | 6.3 | 14.2 | 15.0 | 6.6 | 14.5 | 16.6 | 4.9 | ||
| NPL Ratio (inclusive of IBL) | 8.1 | 11.4 | 8.8 | 11.8 | 11.2 | 7.9 | 11.3 | 11.0 | 8.1 | 10.7 | 10.2 | 6.0 | ||
| NPL Ratio (exclusive of IBL) | 9.9 | 13.9 | 10.9 | 14.0 | 13.2 | 9.4 | 13.2 | 13.0 | 9.4 | 12.5 | 12.2 | 7.3 | ||
| NPL Coverage 6/ | 74.1 | 157.4 | 77.5 | 134.6 | 138.5 | 79.6 | 125.3 | 136.1 | 82.0 | 135.4 | 163.0 | 81.7 | ||
| NPA to Gross Assets | 9.0 | 3.8 | 9.4 | 3.8 | 3.5 | 8.4 | 3.4 | 3.6 | 8.5 | 3.3 | 3.1 | 6.8 | ||
| NPA Coverage 7/ | 37.7 | 285.0 | 40.6 | 290.6 | 293.6 | 39.7 | 297.2 | 283.7 | 42.2 | 288.9 | 295.6 | 39.3 | ||
| Distressed Assets 8/ | 19.9 | 10.8 | 20.7 | 11.1 | 10.5 | 19.9 | 10.7 | 10.4 | 19.5 | 10.0 | 9.5 | 16.1 | ||
| 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 branches of foreign banks and government banks with universal banking license | ||||||||||||||
| 3/ Refers to Total Assets, net of reserves plus Loan Loss Reserves (LLR) plus provision for ROPOA | ||||||||||||||
| 4/ Refers to NPLs plus ROPOA as defined per BSP Circular No. 351 and 380, respectively | ||||||||||||||
| 5/ Refers to NPLs plus ROPOA, gross and Restructured Loans, performing. | ||||||||||||||
| 6/ Refers to the ratio of LLR to NPLs | ||||||||||||||
| 7/ Refers to the ratio of valuation reserves (for Loans and ROPOA) to NPAs | ||||||||||||||
| 8/ 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 1April 2008 | ||||||||||||||