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| 43 SELECTED ASSET
QUALITY INDICATORS |
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Thrift Banking System |
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as of end of periods indicated |
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in billion pesos |
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ACCOUNTS |
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Mar-08 |
Jun-08 |
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Levels |
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TOTAL ASSETS |
|
484.611 |
483.111 |
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GROSS ASSETS 1/ |
|
497.039 |
495.622 |
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TOTAL LOAN PORTFOLIO
(TLP), GROSS |
|
295.917 |
294.756 |
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ALLOWANCE FOR CREDIT
LOSSES - LOANS |
|
9.588 |
9.583 |
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INTERBANK LOANS
RECEIVABLES |
|
37.965 |
21.322 |
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RESTRUCTURED LOANS(RL),
GROSS |
|
4.467 |
4.667 |
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RESTRUCTURED LOANS,
PERFORMING |
|
2.195 |
2.227 |
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NON-PERFORMING LOANS 2/ |
|
19.730 |
19.420 |
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REAL AND OTHER PROPERTIES
ACQUIRED (ROPA) |
|
23.912 |
23.972 |
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ROPA, GROSS (Inclusive of
Performing SCR) |
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31.566 |
31.420 |
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ALLOWANCE FOR ROPA 3/ |
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2.840 |
2.039 |
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ROPA, GROSS 4/ |
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28.186 |
27.025 |
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NON-CURRENT ASSETS HELD
FOR SALE * |
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2.373 |
2.152 |
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NON-PERFORMING ASSETS
(NPA) 5/ |
|
47.916 |
46.445 |
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ALLOWANCE ON NPA 6/ |
|
12.428 |
12.511 |
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DISTRESSED ASSETS 7/ |
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50.111 |
48.672 |
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PERFORMING SALES CONTRACT RECEIVABLES (SCR) |
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3.380 |
4.396 |
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NON-PERFORMING SCR |
|
1.900 |
0.900 |
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PAST DUE LOANS |
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28.918 |
27.937 |
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Annual Growth Rates |
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TOTAL ASSETS |
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3.41 |
3.88 |
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GROSS ASSETS 1/ |
|
3.13 |
3.44 |
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TOTAL LOAN PORTFOLIO
(TLP), GROSS |
|
5.87 |
8.79 |
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ALLOWANCE FOR CREDIT
LOSSES - LOANS |
|
(6.76) |
(11.16) |
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INTERBANK LOANS
RECEIVABLES |
|
(14.30) |
(32.49) |
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RESTRUCTURED LOANS(RL),
GROSS |
|
(20.42) |
(14.72) |
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RESTRUCTURED LOANS,
PERFORMING |
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(4.41) |
(14.88) |
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NON-PERFORMING LOANS 2/ |
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(3.24) |
(9.13) |
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REAL AND OTHER PROPERTIES
ACQUIRED (ROPA) |
|
(22.34) |
(20.49) |
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ROPA, GROSS (Inclusive of
Performing SCR) |
|
(11.95) |
(10.74) |
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ALLOWANCE FOR ROPA 3/ |
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(6.63) |
(37.44) |
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ROPA, GROSS 4/ |
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(10.17) |
(12.71) |
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NON-CURRENT ASSETS HELD
FOR SALE ** |
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- |
- |
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NON-PERFORMING ASSETS
(NPA) 5/ |
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(7.44) |
(11.24) |
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ALLOWANCE ON NPA 6/ |
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(6.73) |
(10.93) |
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DISTRESSED ASSETS 7/ |
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(14.39) |
(17.77) |
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PERFORMING SALES CONTRACT
RECEIVABLES (SCR) |
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(24.45) |
3.58 |
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NON-PERFORMING SCR |
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226.25 |
11.23 |
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PAST DUE LOANS |
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25.86 |
22.42 |
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Selected Ratios (%) |
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Past Due Ratio |
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9.70 |
9.40 |
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RL to TLP |
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1.50 |
1.57 |
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LLR to TLP |
|
3.24 |
3.25 |
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NPL Ratio (inclusive of IBL) |
|
6.67 |
6.59 |
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NPL Ratio (exclusive of IBL) |
|
7.65 |
7.10 |
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NPL Coverage 8/ |
|
48.59 |
49.34 |
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NPA to Gross
Assets |
|
9.64 |
9.37 |
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NPA Coverage 9/ |
|
25.94 |
26.94 |
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Distressed
Assets 10/ |
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15.30 |
14.92 |
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* New Account
under the Financial Reporting Package |
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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 |
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2/Loans Classified as Past Due and Already Non-Performing +
Items in Litigation - Loans Classified as Loss Fully Covered by Allowance for
Credit Losses |
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3/Consists of Allowance for
Losses (ROPA), Accumulated Depreciation (ROPA) and Allowance for Credit
Losses - SCR |
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4/Includes Real and Other Properties Acquired (ROPA) + Non- Performing Sales Contract Receivable
(SCR) + Non-Current Assets Held for Sale for financial ratio analysis |
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5/Non-Performing
Loans + ROPA, Gross |
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6/ Allowance for Credit Losses-Loans + Allowance for Credit
Losses - Sales Contract Receivable (SCR) + Allowance for Losses - ROPA +
Accumulated Depreciation - ROPA |
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7/
Non-Performing Assets (NPA) + Performing Restructured Loans (RL) |
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8/
Ratio of Allowance for Credit Losses -
Loans to Non-Performing Loans |
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9/
Ratio of Allowance on NPA to NPA |
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10/ Ratio of
Distressed Assets to Total Loan Portfolio, Gross + ROPA, Gross (inclusive of
Performing SCR) |
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Note: Details may not add up to totals due to
rounding-off |
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Source: Supervisory Data Center, Supervision
and Examination Sector |
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Updated as of 7 October 2008 |
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