THRIFT BANKS
NPL Indicators
As of End-Periods Indicated
       
       
Levels (in billion pesos) Jun 2005 May 2006 r/ Jun 2006
   
Total Loan Portfolio (TLP)  1/ 184.566 214.944 217.455
Loan Loss Reserves (LLR) 7.020 9.147 9.281
TLP, net of LLR 177.546 205.797 208.174
TLP 1/, net of Interbank Loan (IBL) 174.345 197.391 199.502
Non-Performing Loans (NPL) 16.359 18.431 17.994
Restructured Loans (RL)  1/ 4.319 6.056 5.882
ROPA  1/ 2/ 34.693 32.289 32.796
Provisions for ROPA 1.978 2.390 2.398
ROPA, net of provisions 32.715 29.898 30.398
Non-Performing Assets (NPA)  3/ 47.591 46.082 46.410
Gross Assets (GA)  4/ 333.497 378.138 387.283
TLP 1/ + ROPA 1/ 219.259 247.233 250.251
NPA Reserves  5/ 8.998 11.537 11.679
Total Past Due and Items in Litigation 18.452 20.630 20.143
Ratios (in percent)      
   
NPL ratio (NPL to TLP) 8.86 8.57 8.27
Net NPL ratio (NPL to TLP, net of IBL) 9.38 9.34 9.02
NPL Coverage Ratio (LLR to NPL) 42.91 49.63 51.58
LLR to TLP 3.80 4.26 4.27
RL to TLP 2.32 2.80 2.69
ROPA  to TLP + ROPA 15.72 12.98 13.03
ROPA  to GA 10.36 8.50 8.44
NPA Ratio (NPA to GA) 14.27 12.19 11.98
NPA Coverage Ratio (NPA reserves to NPA) 18.91 25.04 25.17
Past Due Ratio 9.92 9.53 9.20
       
r/ Revised  
1/ Gross of provisions  
2/ Real and Other Properties Acquired  
3/ NPL plus ROPA; effective July 2003 ROPA excluded performing Sales Contract Receivables  
                per BSP Circular No. 380 dated 28 March 2003  
4/ Inclusive of loan loss reserves and provisions for ROPA  
5/ LLR plus provisions for ROPA