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U/KBs' NPL Ratio Eases Anew in April

06.08.2007

In April 2007, the loan quality of universal and commercial banks (U/KBs) further improved as the non-performing loans (NPL) ratio slid to 5.27 percent from 5.28 percent last month.  This took place as the 1.49 percent expansion in total loan portfolio (TLP) outweighed the 1.40 percent hike in NPLs. Likewise, this month’s ratio is better by 2.81 percentage points than year ago’s 8.08 percent ratio.  
 
Net of interbank loans (IBL), the NPL ratio eased by 0.13 percentage point to 6.45 percent from 6.58 percent last month, fueled by the 3.43 percent expansion in regular loans to P1,709.20 billion. Year-on-year, this month’s ratio is also better by 3.32 percentage points than the base figure of 9.77 percent. 

Meantime, the ratio of restructured loans (RLs) to TLP settled at 3.59 percent, down from last month’s 3.64 percent and year ago’s 5.32 percent. The month-on-month development came with the growth in TLP surpassing the 0.10 percent increase in RLs.

Meanwhile, real and other properties acquired (ROPA), gross stood at P161.07 billion, down from P162.70 billion last month and P192.16 billion a year ago. Consequently, the proportion of ROPA, gross to gross assets (GAs) dropped to 3.57 percent from last month’s 3.62 percent and year ago’s 4.85 percent.

The non-performing assets (NPA) ratio favorably declined to 5.79 percent from 5.83 percent last month, driven by the 0.04 percent reduction in NPAs and the simultaneous expansion in GAs. This month’s ratio also fared better than year ago’s 8.45 percent ratio. The NPA level stood at P260.34 billion, down from last month’s P260.44 billion and year ago’s P333.43 billion.

The NPL coverage ratio trimmed down to 80.54 percent from 81.24 percent last month. In contrast, the NPA coverage ratio stood better at 39.39 percent from 39.36 percent. Meantime, year-on-year comparison showed that this month’s NPL coverage ratio is stronger than the base figure of 78.32 percent while the NPA coverage ratio is lower than the 41.43 percent ratio reported a year ago.

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