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| 7
SELECTED ASSET QUALITY INDICATORS |
| Philippine
Banking System |
| as of end of
periods indicated |
| in billion
pesos |
| |
|
|
|
|
|
|
|
| |
ACCOUNTS |
|
Mar'07 |
Jun'07 |
Sep-07 |
Dec-07 |
|
| |
|
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| |
ALL BANKS |
|
|
|
|
|
|
| |
TOTAL ASSETS |
|
4,978.313 |
4,971.497 |
4,933.842 |
5,134.116 |
|
| |
GROSS ASSETS 1/ |
|
5,097.839 |
5,090.800 |
5,058.220 |
5,256.082 |
|
| |
TOTAL LOAN PORTFOLIO
(TLP), GROSS |
|
2,426.270 |
2,366.851 |
2,383.374 |
2,589.830 |
|
| |
LOAN LOSS RESERVES |
|
101.956 |
101.802 |
106.169 |
104.100 |
|
| |
INTERBANK LOANS
RECEIVABLES |
|
452.167 |
426.913 |
406.588 |
388.416 |
|
| |
RESTRUCTURED LOANS(RL),
GROSS |
|
82.415 |
80.029 |
75.830 |
71.353 |
|
| |
RESTRUCTURED LOANS,
CURRENT/PERFORMING |
|
46.851 |
43.851 |
41.594 |
41.105 |
|
| |
NON-PERFORMING LOANS 2/ |
|
138.613 |
135.631 |
135.084 |
127.732 |
|
| |
ROPA, GROSS |
|
209.778 |
208.369 |
204.869 |
198.947 |
|
| |
ALLOWANCE FOR ROPA |
|
17.570 |
17.501 |
18.208 |
17.866 |
|
| |
NON-PERFORMING ASSETS
(NPA) 3/ |
|
329.848 |
326.150 |
321.354 |
307.209 |
|
| |
ALLOWANCE ON NPA |
|
119.526 |
119.303 |
124.377 |
121.966 |
|
| |
DISTRESSED ASSETS 4/ |
|
395.241 |
385.071 |
378.060 |
363.850 |
|
| |
ROPA, GROSS (Net of
Performing SCR) |
|
191.241 |
190.519 |
186.270 |
179.476 |
|
| |
PERFORMING SALES CONTRACT
RECEIVABLES (SCR) |
|
18.543 |
17.850 |
18.599 |
19.471 |
|
| |
PAST DUE LOANS |
|
172.148 |
165.419 |
157.852 |
146.094 |
|
| |
|
|
|
|
|
|
|
| |
Annual Growth Rates |
|
|
|
|
|
|
| |
TOTAL ASSETS |
|
15.8 |
10.0 |
8.7 |
5.5 |
|
| |
GROSS ASSETS 1/ |
|
14.5 |
9.2 |
7.8 |
5.2 |
|
| |
TOTAL LOAN PORTFOLIO
(TLP), GROSS |
|
11.0 |
8.4 |
6.1 |
7.7 |
|
| |
LOAN LOSS RESERVES |
|
(22.7) |
(17.2) |
(19.3) |
(5.7) |
|
| |
INTERBANK LOANS
RECEIVABLES |
|
14.8 |
25.2 |
15.4 |
(10.2) |
|
| |
RESTRUCTURED LOANS(RL),
GROSS |
|
(22.5) |
(23.3) |
(26.4) |
(17.4) |
|
| |
RESTRUCTURED LOANS,
CURRENT/PERFORMING |
|
(18.2) |
(22.8) |
(23.6) |
(18.6) |
|
| |
NON-PERFORMING LOANS 2/ |
|
(23.0) |
(17.2) |
(21.8) |
(13.2) |
|
| |
ROPA, GROSS |
|
(8.1) |
(8.5) |
(10.3) |
(8.4) |
|
| |
ALLOWANCE FOR ROPA |
|
(21.2) |
(17.7) |
(18.0) |
(3.7) |
|
| |
NON-PERFORMING ASSETS
(NPA) 3/ |
|
(16.2) |
(14.0) |
(17.2) |
(11.1) |
|
| |
ALLOWANCE ON NPA |
|
(22.5) |
(17.3) |
(19.1) |
(5.4) |
|
| |
DISTRESSED ASSETS 4/ |
|
(15.1) |
(14.5) |
(17.4) |
(11.6) |
|
| |
ROPOA, GROSS (Net of
Performing SCR) |
|
(10.5) |
(7.6) |
(12.7) |
(9.5) |
|
| |
PERFORMING SALES CONTRACT RECEIVABLES (SCR) |
|
26.1 |
(16.4) |
23.4 |
15.5 |
|
| |
PAST DUE LOANS |
|
(11.2) |
(14.2) |
(17.7) |
(15.6) |
|
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Selected Ratios (%) |
|
|
|
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| |
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Past Due Ratio |
|
7.0 |
6.9 |
6.6 |
5.6 |
|
| |
RL to TLP |
|
3.4 |
3.3 |
3.1 |
2.7 |
|
| |
LLR to TLP |
|
4.2 |
4.3 |
4.5 |
4.0 |
|
| |
NPL Ratio (inclusive of IBL) |
|
5.7 |
5.7 |
5.7 |
4.9 |
|
| |
NPL Ratio (exclusive of IBL) |
|
7.0 |
7.0 |
6.8 |
5.8 |
|
| |
NPL Coverage 5/ |
|
73.6 |
75.1 |
78.6 |
81.5 |
|
| |
NPA to Gross Assets |
|
6.5 |
6.4 |
6.4 |
5.8 |
|
| |
NPA Coverage 6/ |
|
36.2 |
36.6 |
38.7 |
39.7 |
|
| |
Distressed Assets
7/ |
|
15.0 |
15.0 |
14.6 |
13.0 |
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1/ Refers
to Total Assets, net of reserves plus Loan Loss Reserves (LLR) plus provision
for ROPA |
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2/ As
defined per BSP Circular No. 202 dated 27 May 1999 amended by BSP Circular
No. 351 dated 19 September 2002 |
|
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3/ Refers
to NPLs plus ROPA as defined per BSP Circular No. 351 and 380, respectively |
|
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4/ Refers
to NPLs plus ROPA, gross and Restructured Loans, performing. |
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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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