16   SELECTED ASSET QUALITY INDICATORS
	Universal and Commercial Banking System
	as of end of periods indicated
	in billion pesos
	ACCOUNTS		March-08	Apr-08	May-08	Jun-08	Jul-08	Aug-08	Sept-08	Oct-08	Nov-08	Dec-08
	Levels
	TOTAL ASSETS		4,436.770	4,472.326	4,545.853	4,667.295	4,533.628	4,665.791	4,722.532	4,828.658	4,901.499	5,034.954
	GROSS ASSETS 1/		4,552.536	4,588.195	4,662.571	4,783.888	4,649.819	4,781.984	4,838.644	4,944.701	5,016.758	5,151.609
	TOTAL LOAN PORTFOLIO (TLP), GROSS		2,131.390	2,233.391	2,304.858	2,345.276	2,318.094	2,350.437	2,327.762	2,357.565	2,469.543	2,502.333
	ALLOWANCE FOR CREDIT LOSSES - LOANS		89.962	90.468	91.170	90.918	90.666	90.458	89.040	88.861	87.985	88.202
	INTERBANK LOANS RECEIVABLES		286.422	336.196	374.527	340.150	298.929	306.776	266.619	266.244	235.699	224.493
	RESTRUCTURED LOANS(RL), GROSS		62.055	62.154	61.757	58.863	58.230	59.332	57.956	57.982	57.164	55.689
	RESTRUCTURED LOANS, PERFORMING		36.176	35.830	35.800	32.685	31.063	32.206	31.269	31.541	32.019	32.294
	NON-PERFORMING LOANS 2/		96.432	95.488	96.070	94.057	92.655	91.669	93.826	93.383	92.678	88.192
	REAL AND OTHER PROPERTIES ACQUIRED (ROPA)		133.308	131.371	129.662	129.564	128.717	128.055	125.986	126.212	124.655	124.157
	ROPA, GROSS (Inclusive of Performing SCR)		162.396	160.544	158.550	157.546	157.245	156.672	155.956	155.958	154.834	155.655
	ALLOWANCE FOR ROPA 3/		25.804	25.401	25.547	25.675	25.525	25.734	27.073	27.182	27.274	28.453
	ROPA, GROSS 4/		150.914	149.062	146.970	145.599	147.277	145.253	143.674	143.773	142.054	144.227
	NON-CURRENT ASSETS HELD FOR SALE *		12.293	12.249	11.858	11.687	12.045	12.130	13.581	13.459	13.358	14.114
	NON-PERFORMING ASSETS (NPA) 5/		247.347	244.550	243.040	239.657	239.932	236.922	237.500	237.156	234.731	232.419
	ALLOWANCE ON NPA 6/		115.766	115.868	116.717	116.593	116.191	116.193	116.113	116.043	115.259	116.655
	DISTRESSED ASSETS 7/		283.523	280.380	278.840	272.342	270.995	269.128	268.768	268.697	266.750	264.713
	PERFORMING SALES CONTRACT RECEIVABLES (SCR)		11.481	11.481	11.580	11.947	9.968	11.419	12.282	12.185	12.780	11.428
	NON-PERFORMING SCR		5.313	5.442	5.449	4.349	6.514	5.068	4.107	4.101	4.041	5.956
	PAST DUE LOANS		117.216	116.463	116.837	115.905	115.528	114.939	119.192	118.229	117.942	112.789
	Annual Growth Rates
	TOTAL ASSETS		1.58	1.85	5.67	7.11	3.98	8.50	9.74	13.24	11.20	12.18
	GROSS ASSETS 1/		1.84	2.10	5.86	7.29	4.22	8.60	9.72	13.11	11.08	12.14
	TOTAL LOAN PORTFOLIO (TLP), GROSS		3.45	6.81	14.81	17.04	17.42	20.30	16.37	18.90	17.16	14.01
	ALLOWANCE FOR CREDIT LOSSES - LOANS		1.88	1.91	2.99	3.81	3.85	1.74	(3.33)	(4.26)	(5.53)	(3.21)
	INTERBANK LOANS RECEIVABLES		(29.78)	(11.96)	(5.49)	(13.96)	(16.31)	(4.75)	(24.85)	(4.62)	(24.97)	(34.25)
	RESTRUCTURED LOANS(RL), GROSS		(18.06)	(18.01)	(17.98)	(19.86)	(18.20)	(15.94)	(16.34)	(17.90)	(16.38)	(14.82)
	RESTRUCTURED LOANS, PERFORMING		(17.32)	(15.65)	(14.65)	(19.03)	(17.97)	(17.33)	(18.46)	(20.26)	(16.50)	(15.31)
	NON-PERFORMING LOANS 2/		(11.28)	(13.37)	(10.21)	(9.88)	(9.48)	(11.21)	(9.65)	(11.01)	(11.92)	(9.67)
	REAL AND OTHER PROPERTIES ACQUIRED (ROPA)		(18.06)	(18.44)	(20.51)	(20.07)	(19.34)	(19.28)	(20.32)	(19.25)	(20.02)	(19.04)
	ROPA, GROSS (Inclusive of Performing SCR)		(6.48)	(6.67)	(8.89)	(8.92)	(7.67)	(7.59)	(7.74)	(6.50)	(7.04)	(5.43)
	ALLOWANCE FOR ROPA 3/		81.63	84.43	85.81	84.70	83.16	84.48	85.30	87.41	77.40	96.69
	ROPA, GROSS 4/		(9.94)	(10.24)	(12.61)	(12.88)	(10.51)	(11.18)	(11.59)	(10.64)	(11.57)	(9.00)
	NON-CURRENT ASSETS HELD FOR SALE *		0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	NON-PERFORMING ASSETS (NPA) 5/		(5.03)	85.63	(6.24)	(6.24)	(4.48)	(5.60)	(5.40)	(5.42)	(6.25)	(3.05)
	ALLOWANCE ON NPA 6/		12.93	12.99	14.13	14.89	14.77	12.96	8.80	8.13	6.22	10.48
	DISTRESSED ASSETS 7/		(10.03)	(10.64)	(10.64)	(11.24)	(9.61)	(10.54)	(10.51)	(10.67)	(10.92)	(8.44)
	PERFORMING SALES CONTRACT RECEIVABLES (SCR)		4.78	4.81	6.24	9.86	(7.13)	4.73	12.52	16.12	19.48	1.62
	NON-PERFORMING SCR		9.22	8.94	7.72	(13.36)	30.39	3.64	(6.29)	(10.67)	(15.34)	15.85
	PAST DUE LOANS		(11.90)	(13.04)	(10.56)	(8.64)	(9.59)	(8.52)	(2.10)	(4.68)	(5.45)	1.25
	Selected Ratios  (%)
	Past Due Ratio		5.47	5.19	5.05	4.91	4.95	4.86	5.09	4.98	4.74	4.48
	RL to TLP		2.90	2.77	2.67	2.49	2.50	2.51	2.47	2.44	2.30	2.20
	LLR to TLP		4.22	4.05	3.96	3.88	3.91	3.85	3.83	3.77	3.56	3.52
	NPL Ratio (inclusive of IBL)		4.52	4.28	4.17	4.01	4.00	3.90	4.03	3.96	3.75	3.52
	NPL Ratio (exclusive of IBL)		5.22	5.03	4.98	4.69	4.59	4.49	4.55	4.47	4.15	3.87
	NPL Coverage 8/		93.29	94.74	94.90	96.66	97.85	98.68	94.90	95.16	94.94	100.01
	NPA to Gross Assets		5.43	5.33	5.21	5.01	5.16	4.95	4.88	4.80	4.68	4.45
	NPA Coverage 9/		46.80	47.38	48.02	48.65	48.43	49.04	48.61	48.93	49.10	49.45
	Distressed Assets 10/		12.36	11.71	11.32	10.88	10.95	10.73	10.78	10.69	10.16	9.84
* New Account under the Financial Reporting Package
1/Total Assets, Net of Due to Head Office/Branches/Agencies + Allowance for Credit Losses-Loans + Allowance for Credit Losses - Sales Contract Receivable (SCR) + Allowance for Losses - ROPA + Accumulated Depreciation - ROPA - Loans Classified as Loss Fully Covered by Allowance for Credit Losses
2/Loans Classified as Past Due and Already Non-Performing + Items in Litigation - Loans Classified as Loss Fully Covered by Allowance for Credit Losses
3/Consists of Allowance for Losses (ROPA), Accumulated Depreciation (ROPA) and Allowance for Credit Losses - SCR, allowance for credit losses (NCAHS)
4/Includes Real and Other Properties Acquired (ROPA) +  Non- Performing Sales Contract Receivable (SCR) + Non-Current Assets Held for Sale for financial ratio analysis
5/Non-Performing Loans + ROPA, Gross
6/ Allowance for Credit Losses-Loans + Allowance for Credit Losses - Sales Contract Receivable (SCR) + Allowance for Losses - ROPA + Accumulated Depreciation - ROPA
7/ Non-Performing Assets (NPA) + Performing Restructured Loans (RL)
8/ Ratio of Allowance for Credit Losses - Loans to Non-Performing Loans
9/ Ratio of Allowance on NPA to NPA
10/ Ratio of Distressed Assets to Total Loan Portfolio, Gross + ROPA, Gross (inclusive of Performing SCR)
Note: Details may not add up to totals due to rounding-off
Source : Supervisory Data Center, Supervision and Examination Sector
	Updated as of 08 July 2010