RURAL BANKS
NPL Indicators (of Reporting RBs)
As of Periods Indicated
AMOUNTS (Pmillions)  December 2001  September 2001  December 2000
Total Loan Portfolio (TLP)                       44,459                       42,847                       39,777
Total Loan Portfolio (TLP, net)                       42,030                       40,567                       37,749
Non-Performing Loans 1/                         6,679                         6,496                         6,905
Loan Loss Reserves (LLR)                         2,429                         2,280                         2,028
Restructured Loans (RL)                         1,179                         1,268                         1,196
ROPOA, gross                         6,614                         6,062                         5,233
ROPOA, provisions                            147                            142                            127
ROPOA, net                         6,467                         5,920                         5,106
Non-Performing Assets 2/                       13,292                       12,558                       12,138
Total Assets (TA)                       70,070                       66,755                       61,627
ROPOA + TLP                       51,073                       48,909                       45,010
NPA  Reserves                         2,576                         2,422                         2,155
RATIO (%)      
NPL to TLP (NPL Ratio)                         15.02                         15.16                         17.36
NPL to TLP, net (Net NPL Ratio)                         15.89                         16.01                         18.29
LLR to NPL (NPL Coverage Ratio)                         36.37                         35.10                         29.37
LLR to TLP                           5.46                           5.32                           5.10
RL (gross) to TLP                           2.65                           2.96                           3.01
ROPOA (gross) to ROPOA + TLP                         12.95                         12.39                         11.63
ROPOA (gross) to TA                           9.44                           9.08                           8.49
NPA to TA (gross of NPA reserves)                         18.30                         18.15                         19.03
LLR + ROPOA, provision to NPA                         19.38                         19.29                         17.75
    (NPA Coverage Ratio)      
1/ Includes banks with reported NPL under Cir. 202, otherwise NPLs were defined
   as total of past due & items in litigation.
2/ Defined as total of NPLs & ROPOA, gross.