THRIFT BANKS
NPL INDICATORS
As of Periods Indicated
LEVEL (In P Thousand) APRIL 2002  a/ MARCH 2002  a/ APRIL 2001  a/
Total Loan Portfolio (TLP)                       144,294,570                        142,066,467                       139,786,004
Total Loan Portfolio (TLP), net of IBL                       137,662,099                        136,149,272                       131,645,736
Non-Performing Loans (NPL)                         20,796,849                          20,487,292                         16,742,599
Loan Loss Reserves (LLR)                           9,431,506                            9,366,322                           8,016,011
Restructured Loans (RL) gross                           3,966,035                            3,850,701                           3,352,033
ROPOA, gross                         27,388,552                          26,444,509                         21,843,806
ROPOA, provisions                              861,607                               855,982                           1,012,283
ROPOA, net                         26,526,945                          25,588,527                         20,831,523
Non-Performing Assets (NPA)                         48,185,401                          46,931,801                         38,586,405
Gross Assets  b/                       256,258,565                        251,349,139                       244,862,993
ROPOA + TLP                       171,683,122                        168,510,976                       161,629,810
Total Provisions (LLR + provisions for ROPOA)                         10,293,113                          10,222,304                           9,028,294
RATIO %      
NPL to TLP (NPL ratio)                                  14.41 14.42                                  11.98
NPL to TLP, net of IBL (Net NPL ratio)                                  15.11 15.05                                  12.72
LLR to NPL (NPL Coverage Ratio)                                  45.35                                   45.72                                  47.88
LLR to TLP                                    6.54 6.59                                    5.73
RL (gross) to TLP                                    2.75                                     2.71                                    2.40
ROPOA (gross) to TLP + ROPOA (gross)                                  15.95                                   15.69                                  13.51
ROPOA (gross) to TA                                  11.14                                   10.97                                    9.26
NPA to Gross Assets                                   18.80                                   18.67                                  15.76
LLR + provisions for ROPOA to NPA (NPA Coverage Ratio)                                  21.36                                   21.78                                  23.40
a/ as adjusted to reflect reporting banks only
b/ Total Assets + Provisions