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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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Jan-11 |
Feb-11 |
Mar-11 |
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Levels |
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TOTAL ASSETS |
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589.075 |
596.214 |
569.320 |
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GROSS ASSETS 1/ |
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606.687 |
613.537 |
588.645 |
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TOTAL LOAN PORTFOLIO
(TLP), GROSS |
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343.110 |
349.787 |
354.660 |
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ALLOWANCE FOR CREDIT
LOSSES - LOANS |
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14.345 |
14.047 |
16.645 |
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INTERBANK LOANS
RECEIVABLES |
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5.071 |
5.256 |
5.950 |
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RESTRUCTURED LOANS(RL),
GROSS |
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4.121 |
4.023 |
4.118 |
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RESTRUCTURED LOANS,
PERFORMING |
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1.553 |
1.468 |
1.520 |
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NON-PERFORMING LOANS 2/ |
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26.590 |
26.591 |
25.911 |
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REAL AND OTHER PROPERTIES
ACQUIRED (ROPA) |
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24.090 |
24.226 |
17.405 |
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ROPA, GROSS (Inclusive of
Performing SCR) |
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31.673 |
32.105 |
24.769 |
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ALLOWANCE FOR ROPA 3/ |
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3.266 |
3.275 |
2.680 |
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ROPA, GROSS 4/ |
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27.250 |
27.602 |
20.281 |
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NON-CURRENT ASSETS HELD
FOR SALE * |
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2.197 |
2.415 |
1.989 |
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NON-PERFORMING ASSETS
(NPA) 5/ |
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53.840 |
54.194 |
46.192 |
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ALLOWANCE ON NPA 6/ |
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17.611 |
17.322 |
19.324 |
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DISTRESSED ASSETS 7/ |
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55.393 |
55.662 |
47.712 |
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PERFORMING SALES CONTRACT RECEIVABLES (SCR) |
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4.422 |
4.503 |
4.487 |
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NON-PERFORMING SCR |
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0.964 |
0.961 |
0.887 |
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PAST DUE LOANS |
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30.882 |
31.360 |
27.404 |
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Annual Growth Rates |
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TOTAL ASSETS |
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10.16 |
11.78 |
6.77 |
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GROSS ASSETS 1/ |
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10.44 |
11.92 |
7.37 |
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TOTAL LOAN PORTFOLIO
(TLP), GROSS |
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9.14 |
11.75 |
10.52 |
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ALLOWANCE FOR CREDIT
LOSSES - LOANS |
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16.06 |
12.05 |
31.04 |
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INTERBANK LOANS
RECEIVABLES |
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(28.30) |
(29.84) |
(1.45) |
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RESTRUCTURED LOANS(RL),
GROSS |
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(2.16) |
(7.28) |
(4.81) |
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RESTRUCTURED LOANS,
PERFORMING |
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(21.36) |
(29.97) |
(28.66) |
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NON-PERFORMING LOANS 2/ |
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2.26 |
5.44 |
2.87 |
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REAL AND OTHER PROPERTIES
ACQUIRED (ROPA) |
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9.35 |
10.00 |
(21.39) |
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ROPA, GROSS (Inclusive of
Performing SCR) |
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9.31 |
10.99 |
(14.78) |
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ALLOWANCE FOR ROPA 3/ |
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45.04 |
43.61 |
15.95 |
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ROPA, GROSS 4/ |
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10.44 |
12.17 |
(18.14) |
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NON-CURRENT ASSETS HELD
FOR SALE ** |
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8.65 |
21.39 |
12.84 |
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NON-PERFORMING ASSETS
(NPA) 5/ |
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6.24 |
8.76 |
(7.55) |
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ALLOWANCE ON NPA 6/ |
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20.52 |
16.90 |
28.72 |
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DISTRESSED ASSETS 7/ |
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5.21 |
7.20 |
(8.41) |
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PERFORMING SALES CONTRACT
RECEIVABLES (SCR) |
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2.80 |
4.26 |
4.61 |
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NON-PERFORMING SCR |
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2.79 |
9.67 |
1.57 |
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PAST DUE LOANS |
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3.24 |
8.78 |
(5.20) |
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Selected Ratios (%) |
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Past Due Ratio |
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8.94 |
8.89 |
7.73 |
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RL to TLP |
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1.19 |
1.14 |
1.16 |
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LLR to TLP |
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4.18 |
4.02 |
4.69 |
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NPL Ratio (inclusive of IBL) |
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7.75 |
7.60 |
7.31 |
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NPL Ratio (exclusive of IBL) |
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7.87 |
7.72 |
7.43 |
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NPL Coverage 8/ |
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53.95 |
52.83 |
64.24 |
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NPA to Gross
Assets |
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8.87 |
8.83 |
7.85 |
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NPA Coverage 9/ |
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32.71 |
31.96 |
41.83 |
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Distressed
Assets 10/ |
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14.78 |
14.58 |
12.57 |
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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 21 November 2011 |
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