| 7 SELECTED ASSET QUALITY INDICATORS | ||||||
| Philippine Banking System p/ | ||||||
| as of end of periods indicated | ||||||
| in billion pesos | ||||||
| ACCOUNTS | March-08 r/ | June-08 r/ | Sept-08 r/ | Dec-08 | ||
| Levels | ||||||
| TOTAL ASSETS | 5,078.511 | 5,322.995 | 5,378.152 | 5,675.681 | ||
| GROSS ASSETS 1/ | 5,200.810 | 5,456.631 | 5,511.188 | 5,806.806 | ||
| TOTAL LOAN PORTFOLIO (TLP), GROSS | 2,524.486 | 2,750.508 | 2,734.130 | 2,904.541 | ||
| ALLOWANCE FOR CREDIT LOSSES - LOANS | 103.269 | 104.656 | 103.641 | 103.223 | ||
| INTERBANK LOANS RECEIVABLES | 323.239 | 361.472 | 279.870 | 241.688 | ||
| RESTRUCTURED LOANS(RL), GROSS | 67.574 | 64.498 | 63.278 | 60.500 | ||
| RESTRUCTURED LOANS, PERFORMING | 39.069 | 35.606 | 33.878 | 34.644 | ||
| NON-PERFORMING LOANS 2/ | 126.636 | 124.429 | 124.380 | 120.000 | ||
| REAL AND OTHER PROPERTIES ACQUIRED (ROPA) | 165.736 | 163.565 | 159.052 | 156.027 | ||
| ROPA, GROSS (Inclusive of Performing SCR) | 206.308 | 202.874 | 202.827 | 191.931 | ||
| ALLOWANCE FOR ROPA 3/ | 29.026 | 28.980 | 29.396 | 27.902 | ||
| ROPA, GROSS 4/ | 187.497 | 182.733 | 182.581 | 175.458 | ||
| NON-CURRENT ASSETS HELD FOR SALE * | 14.507 | 13.838 | 14.437 | 12.556 | ||
| NON-PERFORMING ASSETS (NPA) 5/ | 314.134 | 307.162 | 306.960 | 295.460 | ||
| ALLOWANCE ON NPA 6/ | 132.295 | 133.637 | 133.036 | 131.125 | ||
| DISTRESSED ASSETS 7/ | 353.202 | 342.769 | 340.839 | 330.104 | ||
| PERFORMING SALES CONTRACT RECEIVABLES (SCR) | 18.811 | 20.141 | 20.245 | 16.472 | ||
| NON-PERFORMING SCR | 7.254 | 5.329 | 5.048 | 6.876 | ||
| PAST DUE LOANS | 154.089 | 153.216 | 156.982 | 151.201 | ||
| Annual Growth Rates | ||||||
| TOTAL ASSETS | 2.01 | 8.59 | 9.01 | 10.55 | ||
| GROSS ASSETS 1/ | 2.22 | 7.39 | 8.94 | 10.48 | ||
| TOTAL LOAN PORTFOLIO (TLP), GROSS | 4.05 | 16.63 | 13.02 | 12.15 | ||
| ALLOWANCE FOR CREDIT LOSSES - LOANS | 1.27 | 2.69 | (2.86) | (0.84) | ||
| INTERBANK LOANS RECEIVABLES | (28.51) | (15.38) | (31.61) | (37.78) | ||
| RESTRUCTURED LOANS(RL), GROSS | (18.01) | (19.45) | (16.61) | (15.21) | ||
| RESTRUCTURED LOANS, PERFORMING | (16.61) | (18.70) | (19.34) | (15.72) | ||
| NON-PERFORMING LOANS 2/ | (8.65) | (8.31) | (6.85) | (6.05) | ||
| REAL AND OTHER PROPERTIES ACQUIRED (ROPA) | (10.74) | (12.10) | (22.32) | (21.57) | ||
| ROPA, GROSS (Inclusive of Performing SCR) | (1.65) | (2.63) | (0.94) | (12.13) | ||
| ALLOWANCE FOR ROPA 3/ | 65.21 | (17.99) | 61.19 | 56.18 | ||
| ROPA, GROSS 4/ | (1.95) | (4.10) | 15.47 | (14.44) | ||
| NON-CURRENT ASSETS HELD FOR SALE * | 0.00 | 0.00 | 0.00 | 0.00 | ||
| NON-PERFORMING ASSETS (NPA) 5/ | (4.77) | (5.85) | (4.04) | (3.82) | ||
| ALLOWANCE ON NPA 6/ | 10.67 | 11.91 | 6.49 | 7.51 | ||
| DISTRESSED ASSETS 7/ | (9.93) | (11.01) | (9.54) | (9.27) | ||
| PERFORMING SALES CONTRACT RECEIVABLES (SCR) | 1.45 | 10.69 | 10.12 | (15.40) | ||
| NON-PERFORMING SCR | 30.50 | (10.16) | (5.77) | 12.31 | ||
| PAST DUE LOANS | (5.30) | (2.95) | 0.20 | 3.50 | ||
| Selected Ratios (%) | ||||||
| Past Due Ratio | 6.05 | 5.54 | 5.70 | 5.17 | ||
| RL to TLP | 2.66 | 2.32 | 2.31 | 2.08 | ||
| LLR to TLP | 4.09 | 3.80 | 3.79 | 3.55 | ||
| NPL Ratio (inclusive of IBL) | 5.02 | 4.52 | 4.55 | 4.13 | ||
| NPL Ratio (exclusive of IBL) | 5.75 | 5.21 | 5.07 | 4.51 | ||
| NPL Coverage 8/ | 81.55 | 84.11 | 83.33 | 86.02 | ||
| NPA to Gross Assets | 6.04 | 5.63 | 5.57 | 5.09 | ||
| NPA Coverage 9/ | 42.11 | 43.51 | 43.34 | 44.38 | ||
| Distressed Assets 10/ | 12.93 | 11.61 | 11.61 | 10.66 | ||
| 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/Consists of Allowance for Losses (ROPA), Accumulated Depreciation (ROPA) and Allowance for Credit Losses - SCR | ||||||
| 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 6 May 2009 | ||||||