| 16 SELECTED ASSET QUALITY INDICATORS | ||||||||||||||
| Universal and Commercial Banking System | ||||||||||||||
| as of end of periods indicated | ||||||||||||||
| in billion pesos | ||||||||||||||
| ACCOUNTS | Jan-07 | Feb-07 | Mar-07 | Apr-07 | May-07 | Jun-07 | Jul-07 | Aug-07 | Sep-07 | Oct-07 | Nov-07 | Dec-07 | ||
| Levels | ||||||||||||||
| TOTAL ASSETS | 4,315.354 | 4,285.234 | 4,367.677 | 4,391.084 | 4,302.135 | 4,357.389 | 4,360.127 | 4,300.248 | 4,303.460 | 4,264.194 | 4,407.910 | 4,488.279 | ||
| GROSS ASSETS 1/ | 4,422.964 | 4,392.055 | 4,470.189 | 4,493.631 | 4,404.404 | 4,458.871 | 4,461.364 | 4,403.110 | 4,410.179 | 4,371.510 | 4,516.424 | 4,593.868 | ||
| TOTAL LOAN PORTFOLIO (TLP), GROSS | 2,076.019 | 2,058.720 | 2,060.381 | 2,091.082 | 2,007.541 | 2,003.757 | 1,974.123 | 1,953.734 | 2,000.362 | 1,982.828 | 2,107.865 | 2,194.780 | ||
| LOAN LOSS RESERVES | 92.119 | 91.386 | 88.305 | 88.775 | 88.521 | 87.582 | 87.301 | 88.912 | 92.110 | 92.812 | 93.139 | 91.123 | ||
| INTERBANK LOANS RECEIVABLES | 417.627 | 423.905 | 407.867 | 381.885 | 396.283 | 395.331 | 357.182 | 322.062 | 354.789 | 279.139 | 314.128 | 341.412 | ||
| RESTRUCTURED LOANS(RL), GROSS | 79.653 | 79.502 | 75.731 | 75.811 | 75.297 | 73.446 | 71.190 | 70.579 | 69.279 | 70.626 | 68.360 | 65.381 | ||
| RESTRUCTURED LOANS, CURRENT/PERFORMING | 45.936 | 45.946 | 43.752 | 42.477 | 41.946 | 40.366 | 37.868 | 38.959 | 38.346 | 39.555 | 38.346 | 38.132 | ||
| NON-PERFORMING LOANS 2/ | 115.262 | 114.474 | 108.695 | 110.221 | 106.991 | 104.372 | 102.358 | 103.248 | 103.852 | 104.933 | 105.224 | 97.634 | ||
| ROPOA, GROSS | 170.058 | 168.793 | 162.698 | 161.068 | 163.114 | 162.107 | 159.572 | 158.642 | 158.120 | 156.304 | 155.865 | 153.348 | ||
| ALLOWANCE FOR ROPOA | 15.491 | 15.435 | 14.207 | 13.773 | 13.749 | 13.901 | 13.936 | 13.949 | 14.610 | 14.504 | 15.375 | 14.465 | ||
| NON-PERFORMING ASSETS (NPA) 3/ | 274.664 | 272.607 | 260.435 | 260.335 | 259.205 | 255.605 | 251.197 | 250.987 | 251.056 | 250.743 | 250.393 | 239.737 | ||
| ALLOWANCE ON NPA | 107.423 | 107.232 | 102.512 | 102.548 | 102.270 | 101.482 | 101.237 | 102.862 | 106.719 | 107.316 | 108.514 | 105.589 | ||
| DISTRESSED ASSETS 4/ | 331.257 | 329.214 | 315.145 | 313.766 | 312.051 | 306.844 | 299.798 | 300.850 | 300.318 | 300.792 | 299.435 | 289.114 | ||
| ROPOA, GROSS (Net of Performing SCR) | 159.402 | 158.133 | 151.740 | 150.114 | 152.214 | 151.233 | 148.839 | 147.739 | 147.204 | 145.810 | 145.169 | 142.103 | ||
| PERFORMING SALES CONTRACT RECEIVABLES (SCR) | 10.656 | 10.661 | 10.958 | 10.954 | 10.900 | 10.873 | 10.733 | 10.903 | 10.916 | 10.494 | 10.696 | 11.245 | ||
| PAST DUE LOANS | 143.949 | 142.048 | 133.043 | 133.928 | 130.628 | 126.832 | 127.777 | 125.641 | 121.754 | 124.031 | 124.734 | 111.400 | ||
| Annual Growth Rates | ||||||||||||||
| TOTAL ASSETS | 12.9 | 12.5 | 14.0 | 15.3 | 9.3 | 8.4 | 9.4 | 7.9 | 7.4 | 4.1 | 5.0 | 4.6 | ||
| GROSS ASSETS 1/ | 11.5 | 11.1 | 12.6 | 13.9 | 8.4 | 7.5 | 8.4 | 6.9 | 6.4 | 3.4 | 4.5 | 4.4 | ||
| TOTAL LOAN PORTFOLIO (TLP), GROSS | 8.7 | 7.6 | 8.1 | 12.0 | 4.7 | 6.0 | 3.8 | 2.1 | 3.8 | (0.1) | 4.1 | 5.9 | ||
| LOAN LOSS RESERVES | (26.5) | (24.2) | (26.4) | (24.9) | (19.2) | (20.8) | (20.6) | (24.7) | (21.8) | (16.9) | (14.9) | (6.1) | ||
| INTERBANK LOANS RECEIVABLES | 18.0 | 17.6 | 7.7 | 18.5 | 21.8 | 22.4 | 16.2 | (1.4) | 7.9 | (17.0) | (13.0) | (15.3) | ||
| RESTRUCTURED LOANS(RL), GROSS | (21.1) | (20.0) | (24.0) | (24.4) | (23.8) | (24.8) | (27.0) | (27.0) | (28.0) | (25.8) | (27.8) | (18.2) | ||
| RESTRUCTURED LOANS, CURRENT/PERFORMING | (10.0) | (5.8) | (16.1) | (20.5) | (20.4) | (22.4) | (28.1) | (23.7) | (24.5) | (15.0) | (21.4) | (19.5) | ||
| NON-PERFORMING LOANS 2/ | (28.5) | (25.4) | (28.8) | (27.0) | (24.2) | (23.6) | (24.9) | (28.4) | (27.4) | (25.6) | (24.7) | (16.8) | ||
| ROPOA, GROSS | (12.3) | (14.3) | (15.4) | (18.1) | (15.2) | (12.7) | (16.5) | (14.8) | (13.6) | (16.2) | (13.5) | (10.0) | ||
| ALLOWANCE FOR ROPOA | (22.8) | (28.0) | (28.2) | (36.4) | (33.1) | (25.1) | (30.7) | (19.7) | (21.1) | (21.6) | (6.2) | (4.6) | ||
| NON-PERFORMING ASSETS (NPA) 3/ | (20.5) | (20.0) | (22.4) | (64.1) | (20.0) | (18.8) | (20.9) | (21.7) | (21.1) | (20.6) | (18.7) | (13.3) | ||
| ALLOWANCE ON NPA | (26.2) | (24.5) | (26.7) | (26.7) | (21.4) | (21.4) | (22.2) | (24.1) | (21.7) | (17.6) | (13.7) | (5.9) | ||
| DISTRESSED ASSETS 4/ | (18.4) | (17.5) | (20.7) | (21.8) | (19.2) | (18.5) | (21.1) | (21.1) | (20.7) | (19.6) | (18.8) | (13.7) | ||
| ROPOA, GROSS (Net of Performing SCR) | (13.5) | (15.6) | (17.0) | (25.4) | (16.8) | (10.7) | (18.0) | (16.3) | (16.0) | (16.6) | (13.7) | (10.7) | ||
| PERFORMING SALES CONTRACT RECEIVABLES (SCR) | 11.5 | 10.6 | 15.3 | 122.0 | 15.9 | (33.3) | 10.0 | 12.6 | 11.0 | (10.5) | (10.1) | 22.8 | ||
| PAST DUE LOANS | (12.8) | (13.9) | (18.4) | (18.0) | (17.8) | (21.4) | (19.0) | (19.6) | (23.5) | (24.8) | (23.5) | (20.1) | ||
| Selected Ratios (%) | ||||||||||||||
| Past Due Ratio | 6.9 | 6.8 | 6.4 | 6.3 | 6.4 | 6.3 | 6.4 | 6.4 | 6.0 | 6.2 | 5.9 | 5.1 | ||
| RL to TLP | 3.8 | 3.9 | 3.7 | 3.6 | 3.8 | 3.7 | 3.6 | 3.6 | 3.5 | 3.6 | 3.2 | 3.0 | ||
| LLR to TLP | 4.4 | 4.4 | 4.3 | 4.2 | 4.4 | 4.4 | 4.4 | 4.6 | 4.6 | 4.7 | 4.4 | 4.2 | ||
| NPL Ratio (inclusive of IBL) | 5.6 | 5.6 | 5.3 | 5.3 | 5.3 | 5.2 | 5.2 | 5.3 | 5.2 | 5.3 | 5.0 | 4.4 | ||
| NPL Ratio (exclusive of IBL) | 7.0 | 7.0 | 6.6 | 6.4 | 6.6 | 6.5 | 6.3 | 6.3 | 6.3 | 6.2 | 5.9 | 5.3 | ||
| NPL Coverage 5/ | 79.9 | 79.8 | 81.2 | 80.5 | 82.7 | 83.9 | 85.3 | 86.1 | 88.7 | 88.4 | 88.5 | 93.3 | ||
| NPA to Gross Assets | 6.2 | 6.2 | 5.8 | 5.8 | 5.9 | 5.7 | 5.6 | 5.7 | 5.7 | 5.7 | 5.5 | 5.2 | ||
| NPA Coverage 6/ | 39.1 | 39.3 | 39.4 | 39.4 | 39.5 | 39.7 | 40.3 | 41.0 | 42.5 | 42.8 | 43.3 | 44.0 | ||
| Distressed Assets 7/ | 14.7 | 14.8 | 14.2 | 13.9 | 14.4 | 14.2 | 14.1 | 14.2 | 13.9 | 14.1 | 13.2 | 12.3 | ||
| 1/ Refers to Total Assets, net of reserves plus Loan Loss Reserves (LLR) plus provision for ROPOA | ||||||||||||||
| 2/ As defined per BSP Circular No. 202 dated 27 May 1999 amended by BSP Circular No. 351 dated 19 September 2002 | ||||||||||||||
| 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 1 April 2008 | ||||||||||||||