63   SELECTED ASSET QUALITY INDICATORS 1/
	C. BANKS ENGAGED IN MICROFINANCE OPERATIONS
	as of end of periods indicated
	in billion pesos
		TOTAL					THRIFT BANKS					RURAL AND COOPERATIVE BANKS
		Mar'07	Jun'07	Sept '07	Dec '07		Mar'07	Jun'07	Sept '07	Dec '07		Mar'07	Jun'07	Sept '07	Dec '07
	Levels
	TOTAL ASSETS	129.989	137.899	155.910	157.525		72.937	74.685	96.068	90.018		57.052	63.213	59.842	67.507
	GROSS ASSETS 2/	134.012	140.895	158.850	160.366		74.466	76.219	97.601	91.435		59.546	64.676	61.249	68.930
	TOTAL LOAN PORTFOLIO (TLP), GROSS	108.955	80.653	107.545	109.942		44.277	40.450	66.940	67.177		64.677	40.202	40.605	42.766
	LOAN LOSS RESERVES	3.660	2.561	2.509	2.479		1.263	1.206	1.205	1.177		2.397	1.355	1.304	1.302
	INTERBANK LOANS RECEIVABLES	11.222	6.097	32.514	23.788		11.222	6.097	32.514	23.788		0.000	0.000	0.000	0.000
	RESTRUCTURED LOANS(RL), GROSS	1.959	1.997	1.973	1.846		1.422	1.420	1.406	1.273		0.536	0.577	0.567	0.573
	RESTRUCTURED LOANS, CURRENT/PERFORMING	1.410	1.427	1.355	1.331		0.965	0.958	0.883	0.863		0.445	0.469	0.473	0.468
	NON-PERFORMING LOANS	9.773	7.486	7.468	7.537		3.975	4.078	4.145	4.138		5.798	3.408	3.323	3.399
	ROPA, GROSS	12.781	13.391	13.860	13.269		7.592	7.864	7.967	6.699		5.189	5.527	5.893	6.569
	ALLOWANCE FOR ROPA	0.363	0.435	0.432	0.362		0.266	0.328	0.328	0.240		0.097	0.108	0.103	0.121
	NON-PERFORMING ASSETS (NPA)3/	22.554	20.878	21.327	20.805		11.566	11.942	12.111	10.837		10.988	8.936	9.216	9.968
	ALLOWANCE ON NPA	4.023	2.997	2.941	2.841		1.529	1.534	1.533	1.417		2.494	1.463	1.407	1.423
	DISTRESSED ASSETS 4/	24.421	22.766	23.206	22.546		12.989	13.362	13.517	12.110		11.432	9.404	9.689	10.436
	ROPA, GROSS (Net of Performing SCR)	12.781	13.391	13.860	13.269		7.592	7.864	7.967	6.699		5.189	5.527	5.893	6.569
	PERFORMING SALES CONTRACT RECEIVABLES (SCR)	0.000	0.000	0.000	0.000		0.000	0.000	0.000	0.000		0.000	0.000	0.000	0.000
	PAST DUE LOANS	4.006	4.406	4.286	4.006		3.605	3.993	3.870	3.572		0.400	0.413	0.416	0.434
	Ratios (in percent)
	Past Due Ratio	5.1	5.4	4.1	3.9		8.1	9.8	5.8	5.9		1.1	1.0	1.1	1.0
	RL to TLP	2.5	2.5	1.9	1.8		3.2	3.5	2.1	2.1		1.5	1.4	1.5	1.3
	LLR to TLP	3.4	3.2	2.3	2.3		2.9	3.0	1.8	1.8		3.7	3.4	3.2	3.0
	NPL Ratio (exclusive of IBL)	10.0	10.0	10.0	8.7		12.0	11.9	12.0	9.5		9.0	8.5	8.2	7.9
	NPL Ratio (inclusive of IBL)	9.0	9.3	6.9	6.9		9.0	10.1	6.2	6.2		9.0	8.5	8.2	7.9
	NPL Coverage 5/	37.4	34.2	33.6	32.9		31.8	29.6	29.1	28.4		41.3	39.8	39.2	38.3
	NPA to Gross Assets	16.8	14.8	13.4	13.0		15.5	15.7	12.4	11.9		18.5	13.8	15.0	14.5
	NPA Coverage 6/	17.8	14.4	13.8	13.7		13.2	12.8	12.7	13.1		22.7	16.4	15.3	14.3
	Distressed Assets Ratio 7/	20.1	24.2	19.1	18.3		25.0	27.7	18.0	16.4		16.4	20.6	20.8	21.2
	r/ Revised
	p/ Preliminary
	1/ As defined per BSP Circular No. 202 dated 27 May 1999 amended by BSP Circular No. 351 dated 19 September 2002
	2/ Refers to Total Assets, net of reserves plus Loan Loss Reserves (LLR) plus provision for ROPA
	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