UNIVERSAL AND COMMERCIAL BANKS  
NPL INDICATORS  
As of End of Periods Indicated  
             
Levels (in million pesos) November
2004
  October
2005
  November
2005
 
 Total Loan Portfolio (TLP) 1/            1,782,154            1,786,200            1,879,089  
 Loan Loss Reserves (LLR)               129,055               126,938               119,476  
 TLP, net of LLR            1,653,100            1,659,262            1,759,613  
 TLP 1/, net of Interbank Loan (IBL)            1,533,151            1,497,028            1,564,828  
 Non-Performing Loans (NPL)               241,880               172,347               164,296  
 Restructured Loans (RL) 1/               131,865               107,588               106,536  
 ROPOA 1/ 2/               207,446               200,132               198,746  
 Provisions for ROPOA                 15,787                 18,822                 20,077  
 ROPOA, net of provisions               191,659               181,310               178,668  
 Non-Performing Assets (NPA) 3/               442,180               363,371               354,192  
 Gross Assets (GA) 4/            3,781,555            3,896,809            3,968,532  
 TLP 1/ + ROPOA 1/            1,989,600            1,986,332            2,077,834  
 NPA Reserves 5/               144,842               145,760               139,553  
 Total Past Due Loans & Items in Litigation               264,978               180,915               182,481  
Ratios (in percent)            
 NPL Ratio (NPL to TLP ) 13.57 9.65 8.74  
 Net NPL Ratio (NPL to TLP, net of IBL) 15.78 11.51 10.50  
 NPL Coverage Ratio (LLR to NPL) 53.35 73.65 72.72  
 LLR to TLP 7.24 7.11 6.36  
 RL to TLP 7.31 * 5.99 * 5.62 *
 ROPOA to TLP + ROPOA 10.31 * 10.03 * 9.48 *
 ROPOA to GA 5.45 * 5.12 * 4.99 *
 NPA Ratio (NPA to GA) 11.69 9.32 8.93  
 NPA Coverage Ratio (NPA reserves to NPA) 32.76 40.11 39.40  
 Past Due Ratio 6/ 14.68 * 10.07 * 9.62 *
1/ NPL Definition under BSP Circular No. 202 dated 27 May 1999
2/ NPL Definition under BSP Circular No. 351 dated 19 September 2002
1/Gross of provisions            
2/ Real and Other Properties Owned and Acquired  
3/ NPL plus ROPOA; since 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; and net of Due From/ To Head Office/ branches  
Other Agencies/ Branches of foreign bank  
5/ LLR plus provisions for ROPOA  
6/ Total Past Due Loans and Items in Litigation over TLP  
* Computation is based on TLP and GA  figures as prescribed under BSP Circular No. 202