57   SELECTED ASSET QUALITY INDICATORS
	Rural Banking System
	as of end of periods indicated
	in billion pesos
	ACCOUNTS		Mar-09	Jun-09	Sep-09	Dec-09
	Levels
	TOTAL ASSETS		143.378	147.738	151.239	157.401
	GROSS ASSETS 1/		147.592	152.121	155.594	161.856
	TOTAL LOAN PORTFOLIO (TLP), GROSS		95.233	96.401	97.465	98.278
	ALLOWANCE FOR CREDIT LOSSES - LOANS		3.768	3.962	3.916	3.975
	INTERBANK LOANS RECEIVABLES		-	-	-	-
	RESTRUCTURED LOANS(RL), GROSS		0.589	0.638	0.736	1.040
	RESTRUCTURED LOANS, PERFORMING		0.377	0.393	0.501	0.785
	NON-PERFORMING LOANS 2/		10.260	10.296	10.231	10.254
	REAL AND OTHER PROPERTIES ACQUIRED (ROPA)		7.651	7.610	7.713	7.734
	ROPA, GROSS (Inclusive of Performing SCR)		8.516	8.457	8.573	8.627
	ALLOWANCE FOR ROPA		0.447	0.422	0.439	0.480
	ROPA, GROSS 3/		7.720	7.683	7.780	7.798
	NON-CURRENT ASSETS HELD FOR SALE *		0.000	0.000	0.000	0.000
	NON-PERFORMING ASSETS (NPA) 4/		17.981	17.979	18.011	18.052
	ALLOWANCE ON NPA 5/		4.214	4.383	4.354	4.456
	DISTRESSED ASSETS 6/		18.358	18.371	18.512	18.838
	PERFORMING SALES CONTRACT RECEIVABLES (SCR)		0.796	0.774	0.794	0.829
	NON-PERFORMING SCR		0.074	0.073	0.067	0.064
	PAST DUE LOANS		12.422	12.475	12.768	12.616
	Annual Growth Rates
	TOTAL ASSETS		(8.09)	(8.29)	(6.09)	7.74
	GROSS ASSETS 1/		(7.69)	(7.92)	(5.84)	7.78
	TOTAL LOAN PORTFOLIO (TLP), GROSS		(3.82)	(5.68)	(3.31)	1.59
	ALLOWANCE FOR CREDIT LOSSES - LOANS		7.04	5.61	2.40	6.74
	INTERBANK LOANS RECEIVABLES		-	-	-	-
	RESTRUCTURED LOANS(RL), GROSS		(37.65)	(20.44)	24.20	73.49
	RESTRUCTURED LOANS, PERFORMING		(41.80)	(32.27)	29.42	90.32
	NON-PERFORMING LOANS 2/		4.88	1.83	1.34	5.16
	REAL AND OTHER PROPERTIES ACQUIRED (ROPA)		(4.28)	(20.94)	(3.51)	1.23
	ROPA, GROSS (Inclusive of Performing SCR)		(28.63)	(37.19)	(45.93)	3.08
	ALLOWANCE FOR ROPA		17.79	15.15	14.36	31.87
	ROPA, GROSS 3/		(4.22)	(20.78)	(35.60)	1.09
	NON-CURRENT ASSETS HELD FOR SALE *		-	-	-	-
	NON-PERFORMING ASSETS (NPA) 4/		0.76	(9.24)	(18.79)	3.37
	ALLOWANCE ON NPA 5/		8.08	6.45	3.49	9.02
	DISTRESSED ASSETS 6/		(0.73)	(9.90)	(17.96)	5.38
	PERFORMING SALES CONTRACT RECEIVABLES (SCR)		(79.44)	(79.45)	(78.97)	13.66
	NON-PERFORMING SCR		9.69	0.35	(1.46)	(13.74)
	PAST DUE LOANS		6.36	3.46	4.68	6.37
	Selected Ratios  (%)
	Past Due Ratio		12.96	12.86	12.99	12.74
	RL to TLP		0.61	0.66	0.75	1.06
	LLR to TLP		3.96	4.11	4.02	4.05
	NPL Ratio (inclusive of IBL)		10.77	10.68	10.50	10.43
	NPL Ratio (exclusive of IBL)		10.77	10.68	10.50	10.43
	NPL Coverage7/		36.72	38.48	38.27	38.77
	NPA to Gross Assets		12.18	11.82	11.58	11.15
	NPA Coverage 8/		23.44	24.38	24.18	24.68
	Distressed Assets 9/		17.69	17.52	17.46	17.62
	*  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 23 March 2010