RURAL & COOPERATIVE BANKS
NPL Indicators
As of Periods Indicated
       
Levels (in million pesos) June 2004 March 2004 June 2005
Total Loan Portfolio (TLP) 1/                       57,349                     64,835                    66,566
Loan Loss Reserves (LLR)                         2,434                       2,803                      2,956
TLP, net of LLR                       54,914                     62,032                    63,610
Non-Performing Loans (NPL)                         7,059                       7,615                      7,897
Restructured Loans (RL)1/                            803                          752                         818
ROPOA1/ 2/                         7,947                       8,168                      8,131
Provisions for ROPOA                            259                          259                         259
ROPOA, net of provisions                         7,688                       7,909                      7,872
Non-Performing Assets (NPA)3/                       15,006                     15,782                    16,028
Gross Assets (GA)4/                       98,257                   108,199                  110,596
TLP1/ + ROPOA1/                       65,296                     73,003                    74,697
NPA Reserves 5/                         2,665                       3,062                      3,229
Total Past Due Loans and Items in Litigation                         9,450                     10,328                    10,549
Ratios (in percent)      
NPL Ratio (NPL to TLP ) 12.31 11.74 11.86
Net NPL Ratio (NPL to TLP, net of LLR) 12.85 12.28 12.41
NPL Coverage Ratio (LLR to NPL) 34.48 36.81 37.43
LLR to TLP 4.24 4.32 4.44
RL to TLP 1.39 1.15 1.22
ROPOA to TLP + ROPOA 12.17 11.19 10.89
ROPOA to GA 8.05 7.52 7.32
NPA Ratio (NPA to GA) 15.27 14.59 14.49
NPA Coverage Ratio (NPA reserves to NPA) 17.76 19.40 20.15
Past Due Ratio 16.34 15.82 15.74
1/Gross of provisions      
2/ Real and Other Properties Owned and Acquired  
3/ NPL plus ROPOA  
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
Note: Details may not add up to totals due to rounding-off