| 52 SELECTED ASSET QUALITY INDICATORS | |||||
| Rural and Cooperative Banking System | |||||
| as of end of periods indicated | |||||
| in billion pesos | |||||
| ACCOUNTS | Mar-09 | Jun-09 | Sep-09 | ||
| Levels | |||||
| TOTAL ASSETS | 156.491 | 161.611 | 165.693 | ||
| GROSS ASSETS 1/ | 161.201 | 166.528 | 170.558 | ||
| TOTAL LOAN PORTFOLIO (TLP), GROSS | 104.898 | 106.585 | 107.962 | ||
| ALLOWANCE FOR CREDIT LOSSES - LOANS | 4.251 | 4.483 | 4.414 | ||
| INTERBANK LOANS RECEIVABLES | - | - | - | ||
| RESTRUCTURED LOANS(RL), GROSS | 0.783 | 0.858 | 0.968 | ||
| RESTRUCTURED LOANS, PERFORMING | 0.510 | 0.549 | 0.677 | ||
| NON-PERFORMING LOANS 2/ | 11.112 | 11.274 | 11.134 | ||
| REAL AND OTHER PROPERTIES ACQUIRED (ROPA) | 8.068 | 8.051 | 8.148 | ||
| ROPA, GROSS (Inclusive of Performing SCR) | 8.976 | 8.945 | 9.056 | ||
| ALLOWANCE FOR ROPA | 0.460 | 0.434 | 0.451 | ||
| ROPA, GROSS 3/ | 8.140 | 8.126 | 0.504 | ||
| NON-CURRENT ASSETS HELD FOR SALE * | - | - | - | ||
| NON-PERFORMING ASSETS (NPA) 4/ | 19.252 | 19.400 | 19.351 | ||
| ALLOWANCE ON NPA 5/ | 4.711 | 4.917 | 4.865 | ||
| DISTRESSED ASSETS 6/ | 19.762 | 19.949 | 12.316 | ||
| PERFORMING SALES CONTRACT RECEIVABLES (SCR) | 0.836 | 0.819 | 0.839 | ||
| NON-PERFORMING SCR | 0.079 | 0.075 | 0.069 | ||
| PAST DUE LOANS | 13.399 | 13.557 | 13.824 | ||
| Annual Growth Rates | |||||
| TOTAL ASSETS | (6.27) | (6.36) | (4.36) | ||
| GROSS ASSETS 1/ | (5.84) | (5.98) | (4.13) | ||
| TOTAL LOAN PORTFOLIO (TLP), GROSS | (1.79) | (3.53) | (1.51) | ||
| ALLOWANCE FOR CREDIT LOSSES - LOANS | 10.55 | 7.78 | 3.66 | ||
| INTERBANK LOANS RECEIVABLES | - | 1.00 | 2.00 | ||
| RESTRUCTURED LOANS(RL), GROSS | (28.89) | (11.44) | 26.70 | ||
| RESTRUCTURED LOANS, PERFORMING | (32.49) | (21.03) | 34.83 | ||
| NON-PERFORMING LOANS 2/ | 4.98 | 2.91 | 1.68 | ||
| REAL AND OTHER PROPERTIES ACQUIRED (ROPA) | (3.82) | (19.72) | (2.87) | ||
| ROPA, GROSS (Inclusive of Performing SCR) | (27.42) | (35.68) | (44.49) | ||
| ALLOWANCE FOR ROPA | 18.08 | 15.00 | 14.43 | ||
| ROPA, GROSS 3/ | (3.82) | (19.61) | (95.97) | ||
| NON-CURRENT ASSETS HELD FOR SALE * | - | - | 1.00 | ||
| NON-PERFORMING ASSETS (NPA) 4/ | 1.07 | (7.90) | (17.53) | ||
| ALLOWANCE ON NPA 5/ | 11.24 | 8.38 | 4.57 | ||
| DISTRESSED ASSETS 6/ | (0.21) | (8.32) | (48.61) | ||
| PERFORMING SALES CONTRACT RECEIVABLES (SCR) | (78.58) | (78.44) | (77.93) | ||
| NON-PERFORMING SCR | 5.39 | (6.39) | (7.35) | ||
| PAST DUE LOANS | 6.19 | 4.06 | 5.09 | ||
| Selected Ratios (%) | |||||
| Past Due Ratio | 12.70 | 12.65 | 12.70 | ||
| RL to TLP | 0.74 | 0.80 | 0.90 | ||
| LLR to TLP | 4.05 | 4.21 | 4.09 | ||
| NPL Ratio (inclusive of IBL) | 10.59 | 10.58 | 10.31 | ||
| NPL Ratio (exclusive of IBL) | 10.59 | 10.58 | 10.31 | ||
| NPL Coverage7/ | 38.26 | 39.77 | 39.64 | ||
| NPA to Gross Assets | 11.94 | 11.65 | 11.35 | ||
| NPA Coverage 8/ | 24.47 | 25.34 | 25.14 | ||
| Distressed Assets 9/ | 17.35 | 17.27 | 10.52 | ||
| * 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 5 January 2010 | |||||