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  
               
  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)  
   
  Selected Ratios  (%)  
   
       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  
               
     
  1/ Refers to Total Assets, net of reserves plus Loan Loss Reserves (LLR) plus provision for ROPA  
  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 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  
  6/ Refers to the ratio of valuation reserves (for Loans and ROPA) to NPAs  
  7/ Refers to the ratio of Distressed Assets to TLP plus ROPA, 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