| 62 SELECTED ASSET QUALITY INDICATORS | |||
| Cooperative Banking System | |||
| as of end of periods indicated | |||
| in billion pesos | |||
| ACCOUNTS | Mar-11 | ||
| Levels | |||
| TOTAL ASSETS | 15.867 | ||
| GROSS ASSETS 1/ | 16.564 | ||
| TOTAL LOAN PORTFOLIO (TLP), GROSS | 11.800 | ||
| ALLOWANCE FOR CREDIT LOSSES - LOANS | 0.678 | ||
| INTERBANK LOANS RECEIVABLES | - | ||
| RESTRUCTURED LOANS(RL), GROSS | 0.120 | ||
| RESTRUCTURED LOANS, PERFORMING | 0.096 | ||
| NON-PERFORMING LOANS 2/ | 0.960 | ||
| REAL AND OTHER PROPERTIES ACQUIRED (ROPA) | 0.356 | ||
| ROPA, GROSS (Inclusive of Performing SCR) | 0.450 | ||
| ALLOWANCE FOR ROPA | 0.020 | ||
| ROPA, GROSS 3/ | 0.368 | ||
| NON-CURRENT ASSETS HELD FOR SALE * | 1.571 | ||
| NON-PERFORMING ASSETS (NPA) 4/ | 1.328 | ||
| ALLOWANCE ON NPA 5/ | 0.698 | ||
| DISTRESSED ASSETS 6/ | 1.425 | ||
| PERFORMING SALES CONTRACT RECEIVABLES (SCR) | 0.081 | ||
| NON-PERFORMING SCR | 0.011 | ||
| PAST DUE LOANS | 1.621 | ||
| Annual Growth Rates | |||
| TOTAL ASSETS | 4.04 | ||
| GROSS ASSETS 1/ | 4.70 | ||
| TOTAL LOAN PORTFOLIO (TLP), GROSS | 7.53 | ||
| ALLOWANCE FOR CREDIT LOSSES - LOANS | 21.77 | ||
| INTERBANK LOANS RECEIVABLES | - | ||
| RESTRUCTURED LOANS(RL), GROSS | (42.24) | ||
| RESTRUCTURED LOANS, PERFORMING | (40.35) | ||
| NON-PERFORMING LOANS 2/ | 23.98 | ||
| REAL AND OTHER PROPERTIES ACQUIRED (ROPA) | (1.56) | ||
| ROPA, GROSS (Inclusive of Performing SCR) | 7.81 | ||
| ALLOWANCE FOR ROPA | 44.72 | ||
| ROPA, GROSS 3/ | 1.28 | ||
| NON-CURRENT ASSETS HELD FOR SALE * | - | ||
| NON-PERFORMING ASSETS (NPA) 4/ | 16.72 | ||
| ALLOWANCE ON NPA 5/ | 22.31 | ||
| DISTRESSED ASSETS 6/ | 9.64 | ||
| PERFORMING SALES CONTRACT RECEIVABLES (SCR) | 52.21 | ||
| NON-PERFORMING SCR | 376.80 | ||
| PAST DUE LOANS | 41.18 | ||
| Selected Ratios (%) | |||
| Past Due Ratio | 13.72 | ||
| RL to TLP | 1.02 | ||
| LLR to TLP | 5.75 | ||
| NPL Ratio (inclusive of IBL) | 8.14 | ||
| NPL Ratio (exclusive of IBL) | 8.14 | ||
| NPL Coverage7/ | 70.64 | ||
| NPA to Gross Assets | 8.02 | ||
| NPA Coverage 8/ | 52.52 | ||
| Distressed Assets 9/ | 11.63 | ||
| * 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 | |||