COMMERCIAL BANKS
NPL INDICATORS
As of Periods Indicated
 
  January 2002 December 2001 January 2001
AMOUNTS (PMillion)      
Total Loan Portfolio (TLP)          1,584,913          1,625,052          1,581,562
Total Loan Portfolio, net of IBL (TLP, net)          1,408,483          1,423,813          1,427,311
Non-Performing Loans (NPL)             290,015             281,908             253,098
Loan Loss Reserves (LLR)             126,645             127,412             108,083
Restructured Loans (RL)             114,675             112,986              98,546
ROPOA, gross             158,047             158,574             133,474
Non-Performing Assets (NPA)             448,062             440,482             386,572
Total Provisions (LLR + provisions for ROPOA)             133,998             134,859             111,766
Gross Assets (GA) 1/          3,109,267          3,150,161          3,293,902
RATIO (%)      
NPL to TLP (NPL Ratio)                18.30                17.35                16.00
NPL to TLP, net (Net NPL Ratio)                20.59                19.80                17.73
LLR to NPL (Coverage Ratio)                43.67                45.20                42.70
LLR to TLP                  7.99                  7.84                  6.83
RL (gross) to TLP                  7.24                  6.95                  6.23
ROPOA (gross) to ROPOA + TLP                  9.07                  8.89                  7.78
ROPOA (gross) to GA                  5.08                  5.03                  4.05
NPA to GA                14.41                13.98                11.74
NPA Coverage Ratio                29.91                30.62                28.91
1/ GROSS ASSETS (Total Assets, net of reserves + Loan Loss Reserves (LLR) + Provision for ROPOA)