| 52 SELECTED ASSET QUALITY INDICATORS | ||
| Rural and Cooperative Banking System | ||
| as of end of periods indicated | ||
| in billion pesos | ||
| ACCOUNTS | Mar-11 | |
| Levels | ||
| TOTAL ASSETS | 181.662 | |
| GROSS ASSETS 1/ | 188.331 | |
| TOTAL LOAN PORTFOLIO (TLP), GROSS | 116.829 | |
| ALLOWANCE FOR CREDIT LOSSES - LOANS | 5.987 | |
| INTERBANK LOANS RECEIVABLES | - | |
| RESTRUCTURED LOANS(RL), GROSS | 1.803 | |
| RESTRUCTURED LOANS, PERFORMING | 1.353 | |
| NON-PERFORMING LOANS 2/ | 11.875 | |
| REAL AND OTHER PROPERTIES ACQUIRED (ROPA) | 8.412 | |
| ROPA, GROSS (Inclusive of Performing SCR) | 9.634 | |
| ALLOWANCE FOR ROPA | 0.682 | |
| ROPA, GROSS 3/ | 8.556 | |
| NON-CURRENT ASSETS HELD FOR SALE * | 1.606 | |
| NON-PERFORMING ASSETS (NPA) 4/ | 20.431 | |
| ALLOWANCE ON NPA 5/ | 6.669 | |
| DISTRESSED ASSETS 6/ | 21.783 | |
| PERFORMING SALES CONTRACT RECEIVABLES (SCR) | 1.078 | |
| NON-PERFORMING SCR | 0.108 | |
| PAST DUE LOANS | 15.094 | |
| Annual Growth Rates | ||
| TOTAL ASSETS | 5.62 | |
| GROSS ASSETS 1/ | 6.10 | |
| TOTAL LOAN PORTFOLIO (TLP), GROSS | 5.39 | |
| ALLOWANCE FOR CREDIT LOSSES - LOANS | 20.96 | |
| INTERBANK LOANS RECEIVABLES | 1.00 | |
| RESTRUCTURED LOANS(RL), GROSS | 23.16 | |
| RESTRUCTURED LOANS, PERFORMING | 14.43 | |
| NON-PERFORMING LOANS 2/ | 16.18 | |
| REAL AND OTHER PROPERTIES ACQUIRED (ROPA) | 3.14 | |
| ROPA, GROSS (Inclusive of Performing SCR) | 2.90 | |
| ALLOWANCE FOR ROPA | 25.59 | |
| ROPA, GROSS 3/ | 2.34 | |
| NON-CURRENT ASSETS HELD FOR SALE * | - | |
| NON-PERFORMING ASSETS (NPA) 4/ | 9.96 | |
| ALLOWANCE ON NPA 5/ | 21.42 | |
| DISTRESSED ASSETS 6/ | 10.22 | |
| PERFORMING SALES CONTRACT RECEIVABLES (SCR) | 7.55 | |
| NON-PERFORMING SCR | 19.70 | |
| PAST DUE LOANS | 7.05 | |
| Selected Ratios (%) | ||
| Past Due Ratio | 12.83 | |
| RL to TLP | 1.70 | |
| LLR to TLP | 5.12 | |
| NPL Ratio (inclusive of IBL) | 10.16 | |
| NPL Ratio (exclusive of IBL) | 10.16 | |
| NPL Coverage7/ | 50.42 | |
| NPA to Gross Assets | 10.85 | |
| NPA Coverage 8/ | 32.64 | |
| Distressed Assets 9/ | 17.23 | |
| * 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/Includes Real and Other Properties Acquired (ROPA) + Non- Performing Sales Contract Receivable (SCR) + Non-Current Assets Held for Sale for financial ratio analysis | ||
| 4/Non-Performing Loans + ROPA, Gross | ||
| 5/ Allowance for Credit Losses-Loans + Allowance for Credit Losses - Sales Contract Receivable (SCR) + Allowance for Losses - ROPA + Accumulated Depreciation - ROPA | ||
| 6/ Non-Performing Assets (NPA) + Performing Restructured Loans (RL) | ||
| 7/ Ratio of Allowance for Credit Losses - Loans to Non-Performing Loans | ||
| 8/ Ratio of Allowance on NPA to NPA | ||
| 9/ 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 21 November 2011 | ||