THRIFT BANKS
NPL Indicators
As of End-Periods Indicated
       
       
Levels (in million pesos) Jun 2004 a/ May 2005  a/ Jun 2005
       
Total Loan Portfolio (TLP)  1/                     160,360                   179,612                         184,556
Loan Loss Reserves (LLR)                         7,399                       6,898                             7,010
TLP, net of LLR                     152,961                   172,714                         177,546
TLP 1/, net of Interbank Loan (IBL)                     154,963                   170,325                         174,334
Non-Performing Loans (NPL)                       19,468                     17,082                           16,348
Restructured Loans (RL)  1/                         3,988                       4,518                             4,319
ROPOA  1/ 2/                       34,163                     34,731                           34,693
Provisions for ROPOA                         1,181                       1,897                             1,978
ROPOA, net of provisions                       32,982                     32,834                           32,715
Non-Performing Assets (NPA)  3/                       50,721                     48,369                           47,581
Gross Assets (GA)  4/                     297,515                   329,419                         333,487
TLP 1/ + ROPOA 1/                     195,758                   215,767                         220,685
NPA Reserves  5/                         8,580                       8,795                             8,987
Total Past Due and Items in Litigation                       21,529                     19,364                           18,452
Ratios (in percent)      
   
NPL ratio (NPL to TLP)                         12.14                         9.51                               8.86
Net NPL ratio (NPL to TLP, net of IBL)                         12.56                       10.03                               9.38
NPL Coverage Ratio (LLR to NPL)                         38.01                       40.38                             42.88
LLR to TLP                           4.61                         3.84 3.80
RL to TLP                           2.47                         2.50 2.32
ROPOA  to TLP + ROPOA                         17.45                       16.10 15.72
ROPOA  to GA                         11.44                       10.50 10.36
NPA Ratio (NPA to GA)                         17.05                       14.68 14.27
NPA Coverage Ratio (NPA reserves to NPA)                         16.92                       18.18 18.89
Past Due Ratio                         13.32                       10.70 9.92
1/ Gross of provisions
2/ Real and Other Properties Owned and Acquired
3/ NPL plus ROPOA; effective July 2003 ROPOA excluded performing Sales Contract Receivables
                per BSP Circular No. 380 dated 28 March 2003
4/ Inclusive of loan loss reserves and provisions for ROPOA
5/ LLR plus provisions for ROPOA
6/ Total Past Due Loans and Items in Litigation over TLP
*  Computation is based on TLP and TA figures per BSP Circular No. 202
a/ Revised