THRIFT BANKS
NPL INDICATORS
As of Periods Indicated
LEVEL (In P Thousand) DECEMBER 2001  a/ NOVEMBER 2001  a/ DECEMBER 2000
Total Loan Portfolio (TLP)            140,534,521             140,208,172             134,330,090
Total Loan Portfolio (TLP), net of IBL            135,783,939             134,462,772             128,103,606
Non-Performing Loans (NPL)              16,911,372               17,083,631               15,216,114
Loan Loss Reserves (LLR)                8,647,477                 8,518,001                 8,035,837
Restructured Loans (RL) gross                3,658,788                 3,758,287                 3,271,017
ROPOA, gross              25,516,342               24,523,556               20,991,468
ROPOA, provisions                   817,319                    966,112                    851,298
ROPOA, net              24,699,023               23,557,444               20,140,170
Non-Performing Assets (NPA)              42,427,714               41,607,187               36,207,582
Total Assets (TA)            242,357,918             238,347,381             233,234,942
Total Assets (incl. of NPA reserves)            251,822,714             247,831,494             242,122,077
ROPOA + TLP            166,050,863             164,731,728             155,321,558
Total Provisions (LLR + provisions for ROPOA)                9,464,796                 9,484,113                 8,887,135
RATIO %      
NPL to TLP NPL ratio)                       12.03 12.18                        11.33
NPL to TLP, net of IBL (Net NPL ratio)                       12.45 12.71                        11.88
LLR to NPL (NPL Coverage Ratio)                       51.13                        49.86                        52.81
LLR to TLP                         6.15 6.08                          5.98
RL (gross) to TLP                         2.60                          2.68                          2.44
ROPOA (gross) to TLP + ROPOA (gross)                       15.37                        14.89                        13.51
ROPOA (gross) to TA                       10.53                        10.29                          9.00
NPA to Total Assets  (incl. of NPA reserves)                       16.85                        16.79                        14.95
LLR + provisions for ROPOA to NPA (NPA Coverage Ratio)                       22.31                        22.79                        24.54
a/ as adjusted to reflect reporting banks only