57   SELECTED ASSET QUALITY INDICATORS
	Rural Banking System
	as of end of periods indicated
	in billion pesos
	ACCOUNTS	Mar-11
	Levels
	TOTAL ASSETS	165.795
	GROSS ASSETS 1/	171.766
	TOTAL LOAN PORTFOLIO (TLP), GROSS	105.029
	ALLOWANCE FOR CREDIT LOSSES - LOANS	5.309
	INTERBANK LOANS RECEIVABLES	-
	RESTRUCTURED LOANS(RL), GROSS	1.683
	RESTRUCTURED LOANS, PERFORMING	1.257
	NON-PERFORMING LOANS 2/	10.915
	REAL AND OTHER PROPERTIES ACQUIRED (ROPA)	8.056
	ROPA, GROSS (Inclusive of Performing SCR)	9.184
	ALLOWANCE FOR ROPA	0.662
	ROPA, GROSS 3/	8.188
	NON-CURRENT ASSETS HELD FOR SALE *	0.035
	NON-PERFORMING ASSETS (NPA) 4/	19.102
	ALLOWANCE ON NPA 5/	5.971
	DISTRESSED ASSETS 6/	20.359
	PERFORMING SALES CONTRACT RECEIVABLES (SCR)	0.996
	NON-PERFORMING SCR	0.097
	PAST DUE LOANS	13.474
	Annual Growth Rates
	TOTAL ASSETS	5.77
	GROSS ASSETS 1/	6.24
	TOTAL LOAN PORTFOLIO (TLP), GROSS	5.16
	ALLOWANCE FOR CREDIT LOSSES - LOANS	20.86
	INTERBANK LOANS RECEIVABLES	-
	RESTRUCTURED LOANS(RL), GROSS	34.01
	RESTRUCTURED LOANS, PERFORMING	23.08
	NON-PERFORMING LOANS 2/	15.54
	REAL AND OTHER PROPERTIES ACQUIRED (ROPA)	3.35
	ROPA, GROSS (Inclusive of Performing SCR)	2.67
	ALLOWANCE FOR ROPA	25.10
	ROPA, GROSS 3/	2.39
	NON-CURRENT ASSETS HELD FOR SALE *	-
	NON-PERFORMING ASSETS (NPA) 4/	9.51
	ALLOWANCE ON NPA 5/	21.32
	DISTRESSED ASSETS 6/	10.26
	PERFORMING SALES CONTRACT RECEIVABLES (SCR)	5.03
	NON-PERFORMING SCR	10.30
	PAST DUE LOANS	4.03
	Selected Ratios  (%)
	Past Due Ratio	12.73
	RL to TLP	1.59
	LLR to TLP	5.05
	NPL Ratio (inclusive of IBL)	10.39
	NPL Ratio (exclusive of IBL)	10.39
	NPL Coverage7/	48.64
	NPA to Gross Assets	11.12
	NPA Coverage 8/	31.26
	Distressed Assets 9/	17.83
	*  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