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57 |
SELECTED
ASSET QUALITY INDICATORS |
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| Rural Banking System |
| as of end of periods indicated |
| in billion pesos |
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Mar-12 |
Jun-12 |
Sep-12 |
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Levels |
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Total Assets |
170.249 |
170.058 |
173.048 |
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Gross Assets 1/ |
176.682 |
176.856 |
180.368 |
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Total Loan Portfolio (TLP), gross |
109.765 |
110.633 |
114.443 |
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Allowance for Credit Losses - Loans |
5.707 |
6.072 |
6.600 |
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Interbank Loans Receivables |
0.003 |
0.001 |
0.000 |
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Restructured Loans (RL), gross |
1.428 |
1.343 |
1.334 |
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RL, Performing |
0.961 |
0.913 |
0.943 |
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Non-Performing Loans (NPL) 2/ |
11.655 |
11.912 |
11.864 |
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Real and Other Properties Acquired (ROPA) |
8.938 |
8.925 |
8.683 |
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ROPA, gross (inclusive of Performing Sales
Contract Receivables) |
10.194 |
10.228 |
10.112 |
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Allowance for ROPA 3/ |
0.726 |
0.726 |
0.721 |
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ROPA, gross 4/ |
9.124 |
9.106 |
8.887 |
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Non-Current Assets Held for Sale |
0.043 |
0.030 |
0.023 |
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Non-Performing Assets (NPA) 5/ |
20.779 |
21.018 |
20.751 |
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Allowance on NPA 6/ |
6.433 |
6.799 |
7.320 |
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Distressed Assets 7/ |
21.740 |
21.931 |
21.694 |
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Performing Sales Contract Receivables (SCR) |
1.070 |
1.121 |
1.226 |
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Non-Performing SCR |
0.142 |
0.151 |
0.180 |
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Past Due Loans |
16.308 |
16.379 |
16.941 |
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Annual Growth Rates |
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Total Assets |
2.52 |
0.86 |
2.20 |
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Gross Assets 1/ |
2.70 |
1.23 |
2.74 |
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TLP, gross |
4.17 |
2.62 |
4.79 |
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Allowance for Credit Losses - Loans |
7.57 |
12.05 |
19.44 |
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Interbank Loans Receivables |
0.00 |
0.00 |
(100.00) |
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RL, gross |
(37.46) |
(38.55) |
(19.22) |
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RL, Performing |
(48.25) |
(48.98) |
(22.34) |
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NPL 2/ |
6.65 |
6.05 |
5.87 |
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ROPA |
10.89 |
7.79 |
3.13 |
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ROPA, gross (inclusive of Performing SCR) |
10.90 |
8.28 |
5.19 |
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Allowance for ROPA 3/ |
9.19 |
6.97 |
2.27 |
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ROPA, gross 4/ |
11.37 |
8.23 |
3.77 |
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Non-Current Assets Held for Sale |
24.93 |
(14.93) |
(9.25) |
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NPA 5/ |
8.67 |
6.98 |
4.96 |
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Allowance on NPA 6/ |
7.75 |
11.49 |
17.50 |
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Distressed Assets 7/ |
3.63 |
2.31 |
3.38 |
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Performing SCR |
7.04 |
8.72 |
16.81 |
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Non-Performing SCR |
46.49 |
53.30 |
51.85 |
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Past Due Loans |
8.77 |
4.81 |
4.72 |
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Selected Ratios (%) |
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Past Due Ratio |
14.73 |
14.66 |
14.66 |
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RL to TLP |
1.29 |
1.20 |
1.15 |
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Loan Loss Reserves (LLR) to TLP |
5.20 |
5.49 |
5.77 |
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NPL Ratio (inclusive of Interbank Loans) |
10.62 |
10.77 |
10.37 |
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NPL Ratio (exclusive of Interbank Loans) |
10.62 |
10.77 |
10.37 |
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NPL Coverage 8/ |
48.97 |
50.98 |
55.63 |
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NPA to Gross Assets |
11.76 |
11.88 |
11.50 |
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NPA Coverage 9/ |
30.96 |
32.35 |
35.28 |
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Distressed Assets 10/ |
18.12 |
18.15 |
17.42 |
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1/Total Assets, Net of Due to Head Office/Branches/Agencies +
Allowance for NPA - 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/Allowance
for Losses (ROPA) + Allowance for Credit Losses (SCR) + Allowance for Credit
Losses (NCA-HFS) + Accumulated Depreciation (ROPA) |
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4/Real and Other Properties Acquired (ROPA) + Non-Performing Sales Contract Receivable
(SCR) + Non-Current Assets Held for Sale (NCA-HFS) |
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5/Non-Performing Loans + ROPA, Gross |
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6/ Allowance for Credit Losses (Loans) + Allowance for 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/ (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 14 May 2013 |
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