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| 7
SELECTED ASSET QUALITY INDICATORS
1/ |
| Philippine
Banking System |
| as of end of
periods indicated |
| in billion
pesos |
| |
|
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|
|
|
| |
ACCOUNTS |
|
Mar-06 |
Jun-06 |
Sep-06 |
Dec-06 |
| |
|
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| |
ALL BANKS |
|
|
|
|
|
| |
TOTAL ASSETS |
|
4,299.133 |
4,517.582 |
4,538.146 |
4,865.618 |
| |
GROSS ASSETS 2/ |
|
4,453.370 |
4,661.798 |
4,691.857 |
4,994.596 |
| |
TOTAL LOAN PORTFOLIO (TLP),
GROSS |
|
2,185.518 |
2,184.154 |
2,246.112 |
2,405.277 |
| |
LOAN LOSS RESERVES |
|
131.936 |
122.962 |
131.502 |
110.419 |
| |
INTERBANK LOANS RECEIVABLES |
|
393.909 |
340.963 |
352.369 |
432.521 |
| |
RESTRUCTURED LOANS(RL),
GROSS |
|
106.396 |
104.388 |
103.038 |
86.432 |
| |
RESTRUCTURED LOANS,
CURRENT/PERFORMING |
|
57.305 |
56.765 |
54.473 |
50.507 |
| |
NON-PERFORMING LOANS |
|
180.041 |
163.877 |
172.732 |
147.182 |
| |
ROPA, GROSS |
|
228.366 |
227.617 |
230.467 |
217.240 |
| |
ALLOWANCE FOR ROPA |
|
22.302 |
21.254 |
22.208 |
18.559 |
| |
NON-PERFORMING ASSETS (NPA) 3/ |
|
393.707 |
379.052 |
388.044 |
345.501 |
| |
ALLOWANCE ON NPA |
|
154.238 |
144.216 |
153.711 |
128.978 |
| |
DISTRESSED ASSETS 4/ |
|
465.712 |
450.408 |
457.579 |
411.728 |
| |
ROPA, GROSS (Net of
Performing SCR) |
|
213.666 |
205.683 |
214.765 |
198.319 |
| |
PERFORMING SALES CONTRACT
RECEIVABLES (SCR) |
|
14.701 |
21.934 |
15.702 |
18.920 |
| |
PAST DUE LOANS |
|
193.805 |
186.871 |
191.700 |
173.009 |
| |
|
|
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Annual Growth Rates |
|
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| |
TOTAL ASSETS |
|
1.1 |
4.3 |
7.1 |
12.7 |
| |
GROSS ASSETS 2/ |
|
0.9 |
4.0 |
6.7 |
11.7 |
| |
TOTAL LOAN PORTFOLIO (TLP),
GROSS |
|
5.5 |
1.6 |
8.9 |
12.4 |
| |
LOAN LOSS RESERVES |
|
(7.8) |
(9.5) |
(4.5) |
(15.3) |
| |
INTERBANK LOANS RECEIVABLES |
|
29.4 |
7.2 |
12.7 |
23.9 |
| |
RESTRUCTURED LOANS(RL),
GROSS |
|
(15.1) |
(12.9) |
(9.1) |
(18.5) |
| |
RESTRUCTURED LOANS,
CURRENT/PERFORMING |
|
(13.2) |
(19.8) |
(13.2) |
(10.2) |
| |
NON-PERFORMING LOANS |
|
(22.5) |
(17.7) |
(11.6) |
(17.7) |
| |
ROPA, GROSS |
|
(3.8) |
(2.4) |
(5.3) |
(5.9) |
| |
ALLOWANCE FOR ROPA |
|
30.3 |
12.6 |
8.1 |
(12.8) |
| |
NON-PERFORMING ASSETS (NPA)
3/ |
|
(13.7) |
(10.1) |
(8.7) |
(12.6) |
| |
ALLOWANCE ON NPA |
|
(3.5) |
(6.6) |
(2.8) |
(15.0) |
| |
DISTRESSED ASSETS 4/ |
|
(12.9) |
(10.8) |
(8.8) |
(11.0) |
| |
ROPOA, GROSS (Net of
Performing SCR) |
|
(5.1) |
(3.4) |
(6.2) |
(8.4) |
| |
PERFORMING SALES CONTRACT RECEIVABLES (SCR) |
|
20.3 |
15.4 |
9.0 |
30.6 |
| |
PAST DUE LOANS |
|
(20.6) |
(15.8) |
(10.0) |
(10.0) |
| |
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Selected Ratios (%) |
|
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| |
Past Due Ratio |
|
8.8 |
8.5 |
8.5 |
7.1 |
| |
RL to TLP |
|
4.8 |
4.7 |
4.6 |
3.6 |
| |
LLR to TLP |
|
6.0 |
5.6 |
5.9 |
4.6 |
| |
NPL Ratio (inclusive of IBL) |
|
8.2 |
7.5 |
7.7 |
6.1 |
| |
NPL Ratio (exclusive of IBL) |
|
10.0 |
8.9 |
9.2 |
7.5 |
| |
NPL Coverage 5/ |
|
73.3 |
75.0 |
76.1 |
75.0 |
| |
NPA to Gross Assets |
|
8.8 |
8.1 |
8.3 |
6.9 |
| |
NPA Coverage 6/ |
|
39.2 |
38.0 |
39.6 |
37.3 |
| |
Distressed Assets
7/ |
|
19.3 |
18.7 |
18.5 |
15.7 |
| |
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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 ROPA |
| |
3/ Refers to NPLs plus ROPA as defined per BSP Circular No.
351 and 380, respectively |
| |
4/ Refers to NPLs plus ROPA, gross and Restructured Loans,
performing. |
| |
5/ Refers to the ratio of LLR to NPLs |
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6/ Refers to the ratio of valuation reserves (for Loans and
ROPA) to NPAs |
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7/ Refers to the ratio of Distressed Assets to TLP plus ROPA,
gross |
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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 1 April 2008 |
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