| 52 SELECTED ASSET QUALITY INDICATORS | |||||||||||||
| Rural and Cooperative Banking System p/ | |||||||||||||
| as of end of periods indicated | |||||||||||||
| in billion pesos | |||||||||||||
| ACCOUNTS | Mar-08 | Jun-08 | Sep-08 | Dec-08 | |||||||||
| Levels | |||||||||||||
| TOTAL ASSETS | 166.964 | 172.588 | 173.252 | 158.962 | |||||||||
| GROSS ASSETS 1/ | 161.204 | 177.125 | 177.904 | 163.498 | |||||||||
| TOTAL LOAN PORTFOLIO (TLP), GROSS | 106.813 | 110.480 | 109.618 | 105.997 | |||||||||
| ALLOWANCE FOR CREDIT LOSSES - LOANS | 3.845 | 4.160 | 4.258 | 4.160 | |||||||||
| INTERBANK LOANS RECEIVABLES | - | - | - | - | |||||||||
| RESTRUCTURED LOANS(RL), GROSS | 1.101 | 0.968 | 0.764 | 0.771 | |||||||||
| RESTRUCTURED LOANS, PERFORMING | 0.755 | 0.695 | 0.502 | 0.527 | |||||||||
| NON-PERFORMING LOANS 2/ | 10.584 | 10.955 | 10.951 | 10.589 | |||||||||
| REAL AND OTHER PROPERTIES ACQUIRED (ROPA) | 8.389 | 10.028 | 8.389 | 8.079 | |||||||||
| ROPA, GROSS (Inclusive of Performing SCR) | 12.367 | 13.908 | 16.314 | 8.918 | |||||||||
| ALLOWANCE FOR ROPA | 0.389 | 0.377 | 0.394 | 0.375 | |||||||||
| ROPA, GROSS 3/ | 8.463 | 10.109 | 12.513 | 8.158 | |||||||||
| NON-CURRENT ASSETS HELD FOR SALE * | - | - | - | - | |||||||||
| NON-PERFORMING ASSETS (NPA) 4/ | 19.048 | 21.064 | 23.464 | 18.748 | |||||||||
| ALLOWANCE ON NPA 5/ | 4.235 | 4.537 | 4.652 | 4.535 | |||||||||
| DISTRESSED ASSETS 6/ | 19.803 | 21.759 | 23.967 | 19.275 | |||||||||
| PERFORMING SALES CONTRACT RECEIVABLES (SCR) | 3.904 | 3.799 | 3.800 | 0.759 | |||||||||
| NON-PERFORMING SCR | 0.075 | 0.080 | 0.081 | 0.079 | |||||||||
| PAST DUE LOANS | 12.618 | 13.028 | 13.154 | 12.782 | |||||||||
| Annual Growth Rates | |||||||||||||
| TOTAL ASSETS | 17.58 | 15.80 | 13.64 | (0.80) | |||||||||
| GROSS ASSETS 1/ | 17.51 | 15.91 | 13.93 | (0.48) | |||||||||
| TOTAL LOAN PORTFOLIO (TLP), GROSS | 23.68 | 19.89 | 15.21 | 5.33 | |||||||||
| ALLOWANCE FOR CREDIT LOSSES - LOANS | 14.24 | 21.15 | 27.35 | 13.14 | |||||||||
| INTERBANK LOANS RECEIVABLES | - | - | - | - | |||||||||
| RESTRUCTURED LOANS(RL), GROSS | 2.63 | (12.81) | (32.13) | (29.35) | |||||||||
| RESTRUCTURED LOANS, PERFORMING | (6.06) | (15.47) | (39.41) | (34.54) | |||||||||
| NON-PERFORMING LOANS 2/ | 11.12 | 10.78 | 12.97 | 4.55 | |||||||||
| REAL AND OTHER PROPERTIES ACQUIRED (ROPA) | 4.76 | 4.76 | 4.76 | (1.40) | |||||||||
| ROPA, GROSS (Inclusive of Performing SCR) | 10.12 | 25.74 | 40.12 | (26.67) | |||||||||
| ALLOWANCE FOR ROPA | 21.12 | 10.40 | 14.48 | 2.65 | |||||||||
| ROPA, GROSS 3/ | 4.23 | 21.38 | 52.45 | (1.27) | |||||||||
| NON-CURRENT ASSETS HELD FOR SALE * | - | - | - | - | |||||||||
| NON-PERFORMING ASSETS (NPA) 4/ | 7.95 | 15.63 | 31.08 | 1.93 | |||||||||
| ALLOWANCE ON NPA 5/ | 14.84 | 20.18 | 26.15 | 12.19 | |||||||||
| DISTRESSED ASSETS 6/ | 7.34 | 14.29 | 27.96 | 0.40 | |||||||||
| PERFORMING SALES CONTRACT RECEIVABLES (SCR) | 25.51 | 22.14 | 22.17 | (80.51) | |||||||||
| NON-PERFORMING SCR | (32.85) | (32.85) | (32.85) | 16.33 | |||||||||
| PAST DUE LOANS | 9.48 | 9.31 | 9.88 | 2.13 | |||||||||
| Selected Ratios (%) | |||||||||||||
| Past Due Ratio | 11.76 | 11.74 | 11.94 | 11.74 | |||||||||
| RL to TLP | 1.03 | 0.87 | 0.69 | 0.87 | |||||||||
| LLR to TLP | 3.60 | 3.77 | 3.88 | 3.92 | |||||||||
| NPL Ratio (inclusive of IBL) | 9.91 | 9.92 | 9.99 | 9.99 | |||||||||
| NPL Ratio (exclusive of IBL) | 9.91 | 9.92 | 9.99 | 9.99 | |||||||||
| NPL Coverage7/ | 36.33 | 37.97 | 38.88 | 39.28 | |||||||||
| NPA to Gross Assets | 11.13 | 11.89 | 13.19 | 11.47 | |||||||||
| NPA Coverage 8/ | 22.23 | 21.54 | 19.83 | 24.19 | |||||||||
| Distressed Assets 9/ | 16.62 | 17.49 | 19.03 | 16.77 | |||||||||
| p/ Preliminary | |||||||||||||
| * 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/Includes Real and Other Properties Acquired (ROPA) + Non- Performing Sales Contract Receivable (SCR) + Non-Current Assets Held for Sale for financial ratio analysis | |||||||||||||
| 4/Non-Performing Loans + ROPA, Gross | |||||||||||||
| 5/ Allowance for Credit Losses-Loans + Allowance for Credit Losses - Sales Contract Receivable (SCR) + Allowance for Losses - ROPA + Accumulated Depreciation - ROPA | |||||||||||||
| 6/ Non-Performing Assets (NPA) + Performing Restructured Loans (RL) | |||||||||||||
| 7/ Ratio of Allowance for Credit Losses - Loans to Non-Performing Loans | |||||||||||||
| 8/ Ratio of Allowance on NPA to NPA | |||||||||||||
| 9/ 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 6 May 2009 | |||||||||||||