| 25 SELECTED ASSET QUALITY INDICATORS | ||||||||||||||
| Universal Banking System 1/ | ||||||||||||||
| 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 | 3,551.919 | 3,489.705 | 3,589.994 | 3,606.941 | 3,533.705 | 3,580.246 | 3,554.126 | 3,510.645 | 3,600.249 | 3,551.20 | 3,691.76 | 3,770.25 | ||
| GROSS ASSETS 2/ | 3,645.280 | 3,582.271 | 3,677.780 | 3,694.790 | 3,620.716 | 3,666.254 | 3,639.637 | 3,597.954 | 3,692.938 | 3,644.56 | 3,786.23 | 3,861.26 | ||
| TOTAL LOAN PORTFOLIO (TLP), GROSS | 1,668.056 | 1,637.861 | 1,660.139 | 1,669.867 | 1,616.970 | 1,627.741 | 1,591.939 | 1,568.668 | 1,645.367 | 1,618.62 | 1,735.45 | 1,804.06 | ||
| LOAN LOSS RESERVES | 78.383 | 77.650 | 74.225 | 74.691 | 73.898 | 72.872 | 72.339 | 74.124 | 78.672 | 79.456 | 79.691 | 77.167 | ||
| INTERBANK LOANS RECEIVABLES | 314.331 | 309.564 | 304.351 | 276.173 | 292.155 | 305.815 | 250.993 | 224.377 | 246.677 | 178.018 | 194.343 | 231.662 | ||
| RESTRUCTURED LOANS(RL), GROSS | 68.992 | 68.772 | 64.923 | 64.908 | 64.936 | 62.820 | 60.389 | 60.151 | 58.661 | 60.037 | 57.828 | 54.706 | ||
| RESTRUCTURED LOANS, CURRENT/PERFORMING | 37.350 | 37.297 | 35.161 | 35.086 | 35.126 | 33.191 | 30.235 | 31.732 | 30.887 | 31.991 | 30.683 | 30.267 | ||
| NON-PERFORMING LOANS 3/ | 99.956 | 98.498 | 92.524 | 93.267 | 89.742 | 86.990 | 85.446 | 86.737 | 88.879 | 90.196 | 90.315 | 84.217 | ||
| ROPOA, GROSS | 155.869 | 154.325 | 148.261 | 146.736 | 145.851 | 144.729 | 142.272 | 141.320 | 145.845 | 144.278 | 143.847 | 141.194 | ||
| ALLOWANCE FOR ROPOA | 14.978 | 14.916 | 13.561 | 13.158 | 13.114 | 13.137 | 13.173 | 13.185 | 14.017 | 13.909 | 14.779 | 13.843 | ||
| NON-PERFORMING ASSETS (NPA) 4/ | 247.206 | 244.111 | 231.709 | 230.931 | 226.686 | 222.815 | 219.006 | 219.115 | 225.776 | 225.620 | 225.180 | 215.918 | ||
| ALLOWANCE ON NPA | 93.361 | 92.566 | 87.786 | 87.849 | 87.012 | 86.009 | 85.511 | 87.309 | 92.689 | 93.365 | 94.471 | 91.009 | ||
| DISTRESSED ASSETS 5/ | 293.175 | 290.121 | 275.946 | 275.089 | 270.719 | 264.909 | 257.954 | 259.788 | 265.612 | 266.464 | 264.846 | 255.677 | ||
| ROPOA, GROSS (Net of Performing SCR) | 147.250 | 145.613 | 139.185 | 137.664 | 136.944 | 135.825 | 133.559 | 132.379 | 136.896 | 135.424 | 134.865 | 131.702 | ||
| PERFORMING SALES CONTRACT RECEIVABLES (SCR) | 8.619 | 8.712 | 9.076 | 9.072 | 8.907 | 8.904 | 8.713 | 8.941 | 8.949 | 8.854 | 8.982 | 9.492 | ||
| PAST DUE LOANS | 124.117 | 122.944 | 113.722 | 113.460 | 110.311 | 106.0 | 107.703 | 105.998 | 104.087 | 106.282 | 106.715 | 94.916 | ||
| Annual Growth Rates | ||||||||||||||
| TOTAL ASSETS | 14.0 | 12.9 | 15.6 | 17.3 | 11.3 | 10.4 | 10.8 | 7.4 | 9.0 | 4.9 | 6.9 | 6.2 | ||
| GROSS ASSETS 2/ | 12.4 | 11.4 | 13.9 | 15.6 | 10.1 | 9.3 | 9.5 | 6.2 | 7.8 | 4.1 | 6.2 | 5.9 | ||
| TOTAL LOAN PORTFOLIO (TLP), GROSS | 7.9 | 6.5 | 8.4 | 12.3 | 5.8 | 8.4 | 6.1 | 0.8 | 4.5 | 0.6 | 6.5 | 6.6 | ||
| LOAN LOSS RESERVES | (28.8) | (26.1) | (28.9) | (27.1) | (21.2) | (23.1) | (23.9) | (29.0) | (24.6) | (18.9) | (16.7) | (7.4) | ||
| INTERBANK LOANS RECEIVABLES | 13.7 | 11.9 | 3.7 | 17.2 | 23.4 | 32.4 | 18.1 | (4.1) | 8.5 | (23.7) | (28.0) | (23.4) | ||
| RESTRUCTURED LOANS(RL), GROSS | (22.4) | (21.3) | (25.9) | (26.1) | (24.9) | (26.0) | (28.9) | (30.0) | (31.3) | (28.9) | (31.3) | (21.1) | ||
| RESTRUCTURED LOANS, CURRENT/PERFORMING | (10.5) | (8.5) | (17.8) | (19.7) | (18.9) | (21.3) | (29.8) | (26.8) | (28.0) | (17.1) | (24.9) | (22.9) | ||
| NON-PERFORMING LOANS 3/ | (29.7) | (27.0) | (31.3) | (29.9) | (27.1) | (26.9) | (28.2) | (32.3) | (30.1) | (27.4) | (26.6) | (17.4) | ||
| ROPOA, GROSS | (12.1) | (14.4) | (15.5) | (16.2) | (16.9) | (15.3) | (18.3) | (17.8) | (14.6) | (16.2) | (13.2) | (9.7) | ||
| ALLOWANCE FOR ROPOA | (20.1) | (25.8) | (26.5) | (29.4) | (33.7) | (24.1) | (30.4) | (20.5) | (22.0) | (22.6) | (6.8) | (5.6) | ||
| NON-PERFORMING ASSETS (NPA) 4/ | (20.8) | (20.7) | (23.5) | (23.2) | (22.2) | (21.1) | (23.4) | (25.0) | (22.2) | (21.4) | (19.3) | (13.3) | ||
| ALLOWANCE ON NPA | (27.5) | (26.1) | (28.6) | (27.4) | (23.4) | (23.2) | (25.0) | (27.9) | (24.2) | (19.5) | (15.3) | (7.1) | ||
| DISTRESSED ASSETS 5/ | (18.8) | (18.5) | (21.8) | (21.8) | (20.8) | (20.2) | (23.3) | (24.3) | (22.1) | (20.5) | (19.6) | (14.1) | ||
| ROPOA, GROSS (Net of Performing SCR) | (13.4) | (15.8) | (17.3) | (17.9) | (18.6) | (16.9) | (19.9) | (19.4) | (16.0) | (16.8) | (13.5) | (10.5) | ||
| PERFORMING SALES CONTRACT RECEIVABLES (SCR) | 19.9 | 19.7 | 26.5 | 23.1 | 22.8 | 20.2 | 16.1 | 16.3 | 14.1 | (7.2) | (7.9) | 4.4 | ||
| PAST DUE LOANS | (13.0) | (13.9) | (19.5) | (20.0) | (19.5) | (24.1) | (20.5) | (22.8) | (25.4) | (26.5) | (25.4) | (20.8) | ||
| Selected Ratios (%) | ||||||||||||||
| Past Due Ratio | 7.3 | 7.4 | 6.8 | 7.8 | 6.7 | 6.4 | 6.7 | 6.7 | 6.3 | 6.5 | 6.1 | 5.2 | ||
| RL to TLP | 4.1 | 4.2 | 3.9 | 3.9 | 4.0 | 3.9 | 3.8 | 3.8 | 3.6 | 3.7 | 3.3 | 3.0 | ||
| LLR to TLP | 4.7 | 4.7 | 4.5 | 4.5 | 4.6 | 4.5 | 4.5 | 4.7 | 4.8 | 4.9 | 4.6 | 4.3 | ||
| NPL Ratio (inclusive of IBL) | 6.0 | 6.0 | 5.6 | 5.6 | 5.6 | 5.3 | 5.4 | 5.5 | 5.4 | 5.6 | 5.2 | 4.7 | ||
| NPL Ratio (exclusive of IBL) | 7.4 | 7.4 | 6.8 | 6.8 | 6.8 | 6.6 | 6.4 | 6.5 | 6.4 | 6.3 | 5.9 | 5.4 | ||
| NPL Coverage 6/ | 78.4 | 78.8 | 80.2 | 80.1 | 82.3 | 83.8 | 84.7 | 85.5 | 88.5 | 88.1 | 88.2 | 91.6 | ||
| NPA to Gross Assets | 6.8 | 6.8 | 6.3 | 6.3 | 6.3 | 6.1 | 6.0 | 6.1 | 6.1 | 6.2 | 5.9 | 5.6 | ||
| NPA Coverage 7/ | 37.8 | 37.9 | 37.9 | 38.0 | 38.4 | 38.6 | 39.0 | 39.8 | 41.1 | 41.4 | 42.0 | 42.1 | ||
| Distressed Assets 8/ | 16.1 | 16.2 | 15.3 | 15.1 | 15.4 | 14.9 | 14.9 | 15.2 | 14.8 | 15.1 | 14.1 | 13.1 | ||
| 1/ Inclusive of branches of foreign banks and government banks with universal banking license | ||||||||||||||
| 2/ Refers to Total Assets, net of reserves plus Loan Loss Reserves (LLR) plus provision for ROPOA | ||||||||||||||
| 3/ As defined per BSP Circular No. 202 dated 27 May 1999 amended by BSP Circular No. 351 dated 19 September 2002 | ||||||||||||||
| 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 | ||||||||||||||