25  SELECTED ASSET QUALITY INDICATORS
	Universal 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	5,065.301	5,155.326	5,243.458	5,160.369	5,282.022	5,466.473	5,263.975	5,433.737	5,445.275	5,388.451	5,533.048
	GROSS ASSETS 1/	5,172.595	5,264.093	5,353.801	5,271.320	5,393.227	5,571.050	5,368.854	5,539.874	5,549.732	5,493.257	5,637.717
	TOTAL LOAN PORTFOLIO (TLP), GROSS	2,311.174	2,374.533	2,362.493	2,402.063	2,515.889	2,639.856	2,554.686	2,626.151	2,597.212	2,645.124	2,719.150
	ALLOWANCE FOR CREDIT LOSSES - LOANS	81.381	82.654	84.057	84.705	85.049	78.755	79.066	80.219	78.515	78.920	78.819
	INTERBANK LOANS RECEIVABLES	156.938	166.925	154.805	151.156	151.870	164.895	147.892	149.107	141.421	132.504	138.798
	RESTRUCTURED LOANS(RL), GROSS	36.151	35.840	35.439	34.894	33.975	34.116	34.364	34.642	34.525	34.314	34.187
	RESTRUCTURED LOANS, PERFORMING	18.527	18.572	17.600	17.518	17.233	17.235	18.026	18.865	19.101	18.676	18.585
	NON-PERFORMING LOANS 2/	68.664	68.642	69.037	69.555	68.120	60.411	60.386	63.921	61.370	61.817	61.852
	REAL AND OTHER PROPERTIES ACQUIRED (ROPA)	95.825	95.657	94.527	93.827	94.179	93.275	92.213	91.066	90.238	88.937	88.776
	ROPA, GROSS (Inclusive of Performing SCR)	122.834	122.386	120.917	119.951	119.553	118.017	117.200	115.967	115.002	113.935	112.966
	ALLOWANCE FOR ROPA 3/	25.913	26.113	26.286	26.245	26.156	25.822	25.813	25.919	25.942	25.886	25.850
	ROPA, GROSS 4/	113.470	113.495	111.858	111.257	110.687	109.058	108.529	107.485	106.567	105.372	105.025
	NON-CURRENT ASSETS HELD FOR SALE **	12.480	12.428	11.948	11.757	11.300	11.209	11.545	11.669	11.602	11.701	11.471
	NON-PERFORMING ASSETS (NPA) 5/	182.133	182.137	180.896	180.812	178.808	169.469	168.915	171.407	167.937	167.189	166.877
	ALLOWANCE ON NPA 6/	107.294	108.767	110.343	110.951	111.205	104.577	104.879	106.137	104.457	104.806	104.669
	DISTRESSED ASSETS 7/	200.660	200.709	198.496	198.330	196.041	186.704	186.941	190.272	187.038	185.865	185.462
	PERFORMING SALES CONTRACT RECEIVABLES (SCR)	9.364	8.891	9.058	8.694	8.866	8.960	8.672	8.482	8.435	8.564	7.941
	NON-PERFORMING SCR	5.165	5.410	5.383	5.673	5.208	4.574	4.770	4.750	4.727	4.734	4.778
	PAST DUE LOANS	96.160	95.473	95.186	95.762	93.503	91.763	92.525	98.175	97.402	97.142	98.397
	Annual Growth Rates
	TOTAL ASSETS	10.68	11.99	12.86	11.21	11.43	14.15	13.36	14.63	11.77	10.41	8.80
	GROSS ASSETS 1/	10.54	11.85	12.72	11.10	11.30	13.83	13.04	14.24	11.42	10.11	8.54
	TOTAL LOAN PORTFOLIO (TLP), GROSS	6.26	8.37	9.61	10.04	14.10	14.68	17.19	16.67	12.85	18.36	18.38
	ALLOWANCE FOR CREDIT LOSSES - LOANS	6.07	7.49	9.09	8.77	8.32	0.13	(0.33)	(1.99)	(4.25)	(3.73)	(3.49)
	INTERBANK LOANS RECEIVABLES	(38.97)	(31.95)	(41.30)	(38.99)	(29.98)	(37.70)	(34.60)	(43.19)	(42.56)	(28.43)	(26.63)
	RESTRUCTURED LOANS(RL), GROSS	(0.19)	0.77	(0.55)	(1.81)	(2.29)	(5.34)	(3.33)	(2.75)	(1.77)	(1.18)	(0.53)
	RESTRUCTURED LOANS, PERFORMING	1.57	5.07	1.77	3.71	3.19	6.24	13.30	18.72	9.55	10.16	14.03
	NON-PERFORMING LOANS 2/	0.23	0.72	2.77	(1.60)	(2.81)	(14.65)	(12.20)	(8.64)	(11.87)	(10.19)	(10.75)
	REAL AND OTHER PROPERTIES ACQUIRED (ROPA)	(10.11)	(9.29)	(9.20)	(9.22)	(7.43)	(7.51)	(8.35)	(8.95)	(9.81)	(10.68)	(10.40)
	ROPA, GROSS (Inclusive of Performing SCR)	(7.03)	(6.83)	(7.44)	(7.75)	(7.52)	(7.84)	(8.35)	(8.61)	(9.32)	(9.52)	(10.29)
	ALLOWANCE FOR ROPA 3/	(0.09)	(0.38)	(1.36)	(2.12)	(2.88)	(3.47)	(3.44)	(5.34)	(3.97)	(2.97)	(3.68)
	ROPA, GROSS 4/	(8.11)	(7.31)	(8.29)	(8.35)	(8.05)	(8.70)	(8.73)	(8.84)	(9.49)	(10.06)	(9.85)
	NON-CURRENT ASSETS HELD FOR SALE **	7.91	5.35	(5.63)	(7.68)	(23.81)	(23.48)	(20.19)	(16.82)	(16.74)	(16.87)	(17.23)
	NON-PERFORMING ASSETS (NPA) 5/	(5.13)	(4.44)	(4.36)	(5.86)	(6.12)	(10.91)	(10.00)	(8.77)	(10.37)	(10.11)	(10.19)
	ALLOWANCE ON NPA 6/	4.52	5.49	6.40	5.98	5.46	(0.78)	(1.12)	(2.83)	(4.18)	(3.54)	(3.54)
	DISTRESSED ASSETS 7/	(4.55)	(3.63)	(3.85)	(5.09)	(5.37)	(9.56)	(8.18)	(6.62)	(8.68)	(8.41)	(8.23)
	PERFORMING SALES CONTRACT RECEIVABLES (SCR)	8.48	(0.24)	4.63	0.69	(0.41)	4.08	(3.42)	(5.56)	(7.16)	(2.34)	(15.77)
	NON-PERFORMING SCR	(5.79)	(2.09)	(3.46)	(1.24)	4.45	(13.29)	(4.69)	(3.21)	(2.71)	(5.68)	(2.14)
	PAST DUE LOANS	4.18	3.32	(0.19)	(1.62)	(3.80)	(4.05)	(3.29)	2.97	3.07	1.66	(0.03)
	Selected Ratios  (%)
	Past Due Ratio	4.12	3.98	3.99	3.95	3.69	3.44	3.58	3.70	3.71	3.63	3.58
	RL to TLP	1.55	1.50	1.49	1.44	1.34	1.28	1.33	1.31	1.31	1.28	1.24
	LLR to TLP	3.52	3.48	3.56	3.53	3.38	2.98	3.09	3.05	3.02	2.98	2.90
	NPL Ratio (inclusive of IBL)	2.97	2.89	2.92	2.90	2.71	2.29	2.36	2.43	2.36	2.34	2.28
	NPL Ratio (exclusive of IBL)	3.19	3.11	3.13	3.09	2.88	2.44	2.51	2.58	2.50	2.46	2.40
	NPL Coverage 8/	118.52	120.41	121.76	121.78	124.85	130.37	130.93	125.50	127.94	127.67	127.43
	NPA to Gross Assets	3.52	3.46	3.38	3.43	3.32	3.04	3.15	3.09	3.03	3.04	2.96
	NPA Coverage 9/	58.91	59.72	61.00	61.36	62.19	61.71	62.09	61.92	62.20	62.69	62.72
	Distressed Assets 10/	8.24	8.04	7.99	7.86	7.44	6.77	7.00	6.94	6.90	6.74	6.55
	* Inclusive of branches of foreign banks and government banks with universal banking license
	**  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 23 December 2011