THRIFT BANKS
NPL Indicators   1/
As of Periods Indicated
Levels (in million pesos) August 2001  July 2002  August 2002 
Total Loan Portfolio (TLP)  2/           139,014           152,863           152,641
Loan Loss Reserves (LLR)               8,238               9,747               9,704
TLP, net of LLR           130,776           143,116           142,937
TLP 2/, net of Interbank Loan (IBL)           134,265           142,389           143,775
Non-Performing Loans (NPL)             17,062             20,214             20,612
Restructured Loans (RL)  2/               4,789               3,967               3,926
ROPOA  2/ 3/             24,602             26,656             26,378
Provisions for ROPOA                   989                   923                   941
ROPOA, net of provisions             23,614             25,733             25,437
Non-Performing Assets (NPA)  4/             41,664             46,870             46,990
Total Assets (TA)  5/           244,414           262,711           263,670
TLP 2/ + ROPOA 2/           163,616           179,519           179,019
NPA Reserves  6/               9,226             10,669             10,644
Ratios (in percent)      
NPL ratio (NPL to TLP 2/ )               12.27 13.22               13.50
Net NPL ratio (NPL to TLP 2/, net of IBL)               12.71 14.20               14.34
NPL Coverage Ratio (LLR to NPL)               48.28               48.22               47.08
LLR to TLP 2/                  5.93 6.38                  6.36
RL 2/ to TLP 2/                  3.45                  2.60                  2.57
ROPOA 2/ to TLP 2/ + ROPOA 2/               15.04               14.85               14.73
ROPOA 2/  to TA               10.07               10.15               10.00
NPA Ratio (NPA to TA)               17.05               17.84               17.82
NPA Coverage Ratio (NPA reserves to NPA)               22.14               22.76               22.65
1/ Based on reporting banks as of end of periods indicated
2/ Gross of provisions
3/ Real and Other Properties Owned and Acquired
4/ NPL plus ROPOA
5/ Inclusive of loan loss reserves and provisions for ROPOA      10.07
6/ LLR plus provisions for ROPOA