16   SELECTED ASSET QUALITY INDICATORS
	Universal and Commercial Banking System
	as of end of periods indicated
	in billion pesos
	ACCOUNTS		Jan - 11	Feb-11	Mar-11	Apr-11	May-11	Jun-11	Jul-11	Aug-11	Sep-11 r/	Oct-11	Nov-11
	Levels
	TOTAL ASSETS		5,894.413	5,996.134	6,048.275	6,010.097	6,101.200	6,269.955	6,118.857	6,301.922	6,296.187	6,249.621	6,421.201
	GROSS ASSETS 1/		6,017.751	6,121.871	6,175.608	6,139.226	6,230.254	6,391.173	6,238.737	6,423.182	6,415.947	6,369.493	6,540.980
	TOTAL LOAN PORTFOLIO (TLP), GROSS		2,706.528	2,787.167	2,759.608	2,830.503	2,929.032	3,030.301	2,979.544	3,058.195	3,020.721	3,048.069	3,157.075
	ALLOWANCE FOR CREDIT LOSSES - LOANS		95.597	97.792	99.197	101.010	101.002	93.548	92.218	93.504	91.944	92.141	92.106
	INTERBANK LOANS RECEIVABLES		192.170	211.920	191.934	187.591	194.269	201.051	194.276	190.255	183.744	171.562	175.768
	RESTRUCTURED LOANS(RL), GROSS		44.958	44.103	42.825	42.205	41.160	41.477	40.997	41.217	40.981	40.849	40.685
	RESTRUCTURED LOANS, PERFORMING		23.825	22.395	20.741	20.676	21.664	20.582	22.129	22.683	22.226	22.766	22.595
	NON-PERFORMING LOANS 2/		81.383	81.785	82.410	83.438	81.912	74.143	73.049	76.960	74.326	77.382	75.375
	REAL AND OTHER PROPERTIES ACQUIRED (ROPA)		103.945	103.786	102.574	101.887	102.309	101.382	100.108	98.921	98.202	96.848	96.702
	ROPA, GROSS (Inclusive of Performing SCR)		135.257	134.783	133.313	132.160	131.815	130.123	129.157	127.828	126.840	125.706	124.692
	ALLOWANCE FOR ROPA 3/		27.741	27.945	28.136	28.118	28.052	27.669	27.662	27.756	27.816	27.731	27.673
	ROPA, GROSS 4/		124.384	124.353	122.728	121.928	121.344	119.520	118.765	117.640	116.731	115.496	115.163
	NON-CURRENT ASSETS HELD FOR SALE *		14.260	14.183	13.792	13.413	12.951	12.671	12.971	13.035	12.897	12.962	12.691
	NON-PERFORMING ASSETS (NPA) 5/		205.766	206.138	205.138	205.366	203.256	193.663	191.813	194.600	191.057	192.878	190.538
	ALLOWANCE ON NPA 6/		123.338	125.737	127.333	129.129	129.054	121.217	119.880	121.260	119.760	119.872	119.779
	DISTRESSED ASSETS 7/		229.592	228.533	225.879	226.043	224.919	214.245	213.942	217.283	213.284	215.645	213.134
	PERFORMING SALES CONTRACT RECEIVABLES (SCR)		10.873	10.430	10.585	10.232	10.471	10.602	10.392	10.188	10.108	10.211	9.529
	NON-PERFORMING SCR		6.178	6.384	6.362	6.628	6.084	5.467	5.686	5.685	5.633	5.686	5.771
	PAST DUE LOANS		114.640	113.456	113.244	114.947	113.783	111.325	110.449	116.325	115.119	117.106	116.234
	Annual Growth Rates
	TOTAL ASSETS		9.19	10.20	10.85	10.16	9.64	12.27	12.56	13.85	11.12	9.77	7.75
	GROSS ASSETS 1/		9.06	10.09	10.74	10.08	9.56	11.99	12.22	13.45	10.77	9.46	7.49
	TOTAL LOAN PORTFOLIO (TLP), GROSS		4.80	7.83	9.05	11.00	13.98	13.06	17.12	16.89	13.12	17.05	16.42
	ALLOWANCE FOR CREDIT LOSSES - LOANS		3.78	6.60	7.84	9.00	7.93	(0.18)	(2.53)	(3.84)	(5.58)	(5.64)	(5.15)
	INTERBANK LOANS RECEIVABLES		(41.93)	(31.47)	(40.32)	(38.31)	(28.56)	(37.10)	(29.97)	(37.21)	(32.11)	(20.94)	(18.08)
	RESTRUCTURED LOANS(RL), GROSS		(1.05)	(1.85)	(4.48)	(5.65)	(2.64)	(8.08)	(7.93)	(7.22)	(6.96)	(6.57)	(5.96)
	RESTRUCTURED LOANS, PERFORMING		(3.55)	(5.60)	(10.90)	(8.33)	5.41	(5.13)	2.75	6.23	(3.08)	3.14	4.34
	NON-PERFORMING LOANS 2/		(2.20)	(0.60)	1.26	(1.95)	(3.57)	(13.78)	(13.08)	(9.36)	(10.60)	(7.16)	(9.55)
	REAL AND OTHER PROPERTIES ACQUIRED (ROPA)		(10.76)	(9.98)	(9.21)	(9.11)	(7.34)	(7.38)	(8.33)	(8.95)	(9.71)	(10.51)	(10.26)
	ROPA, GROSS (Inclusive of Performing SCR)		(6.60)	(6.37)	(6.76)	(7.09)	(6.78)	(7.13)	(7.74)	(8.04)	(8.77)	(8.98)	(9.71)
	ALLOWANCE FOR ROPA 3/		0.37	0.04	(0.83)	(1.38)	(1.80)	(2.65)	(2.64)	(4.52)	(3.08)	(2.27)	(3.01)
	ROPA, GROSS 4/		(7.22)	(6.48)	(7.21)	(7.33)	(7.01)	(7.72)	(7.89)	(8.50)	(9.17)	(9.66)	(9.46)
	NON-CURRENT ASSETS HELD FOR SALE *		21.66	20.32	3.49	0.62	(11.78)	(11.80)	(9.52)	(7.11)	(6.69)	(4.42)	(6.03)
	NON-PERFORMING ASSETS (NPA) 5/		(5.30)	(4.24)	(3.98)	(5.22)	(5.65)	(10.14)	(9.94)	(8.84)	(9.73)	(8.67)	(9.49)
	ALLOWANCE ON NPA 6/		2.99	5.07	5.80	6.56	5.65	(0.75)	(2.56)	(4.00)	(5.01)	(4.88)	(4.67)
	DISTRESSED ASSETS 7/		(5.12)	(4.37)	(4.66)	(5.51)	(4.69)	(9.68)	(8.77)	(7.47)	(9.08)	(7.55)	(8.20)
	PERFORMING SALES CONTRACT RECEIVABLES (SCR)		1.19	(4.94)	(1.19)	(4.14)	(4.03)	0.03	(5.98)	(2.32)	(3.92)	(0.53)	(12.66)
	NON-PERFORMING SCR		5.29	8.17	6.76	7.91	12.69	(3.94)	5.42	(3.58)	(5.04)	(6.11)	(2.63)
	PAST DUE LOANS		0.43	1.00	(1.67)	(2.53)	(3.51)	(4.70)	(5.41)	0.43	1.92	1.13	(0.84)
	Selected Ratios  (%)
	Past Due Ratio		4.20	4.04	4.07	4.03	3.85	3.64	3.67	3.77	3.77	3.80	3.65
	RL to TLP		1.65	1.57	1.54	1.48	1.39	1.36	1.36	1.34	1.34	1.33	1.28
	LLR to TLP		3.53	3.51	3.59	3.57	3.45	3.09	3.10	3.06	3.04	3.02	2.92
	NPL Ratio (inclusive of IBL)		3.01	2.93	2.99	2.95	2.80	2.45	2.45	2.52	2.46	2.54	2.39
	NPL Ratio (exclusive of IBL)		3.24	3.18	3.21	3.16	3.00	2.62	2.62	2.68	2.62	2.69	2.53
	NPL Coverage 8/		117.47	119.57	120.37	121.06	123.31	126.17	126.24	121.50	123.70	119.07	122.20
	NPA to Gross Assets		3.42	3.37	3.32	3.35	3.26	3.03	3.07	3.03	2.98	3.03	2.91
	NPA Coverage 9/		59.94	61.00	62.07	62.88	63.49	62.59	62.50	62.31	62.68	62.15	62.86
	Distressed Assets 10/		8.08	7.82	7.81	7.63	7.35	6.78	6.88	6.82	6.78	6.80	6.49
* 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)
	r/ Revised
Note: Details may not add up to totals due to rounding-off
Source : Supervisory Data Center, Supervision and Examination Sector
	Updated as of 23 December 2011