THRIFT BANKS
NPL Indicators
As of End-Periods Indicated
       
Levels (in billion pesos) Aug 2005 Jul 2006 Aug 2006
   
Total Loan Portfolio (TLP)  1/ 185.368 226.651 232.391
Loan Loss Reserves (LLR) 7.244 10.051 10.450
TLP, net of LLR 178.124 216.600 221.941
TLP 1/, net of Interbank Loan (IBL) 178.270 203.797 209.019
Non-Performing Loans (NPL) 16.395 17.994 20.174
Restructured Loans (RL)  1/ 4.397 5.948 5.983
ROPA  1/ 2/ 34.810 35.281 34.708
Provisions for ROPA 1.874 2.677 3.278
ROPA, net of provisions 32.935 32.604 31.430
Non-Performing Assets (NPA)  3/ 47.195 49.924 50.504
Gross Assets (GA)  4/ 337.833 402.553 406.335
TLP 1/ + ROPA 1/ 220.177 261.931 267.098
NPA Reserves  5/ 9.118 12.728 13.728
Total Past Due and Items in Litigation 18.577 20.963 20.973
Ratios (in percent)      
       
NPL ratio (NPL to TLP) 8.84 8.38 8.68
Net NPL ratio (NPL to TLP, net of IBL) 9.38 9.32 9.65
NPL Coverage Ratio (LLR to NPL) 44.19 52.89 51.80
LLR to TLP 3.91 4.43 4.50
RL to TLP 2.35 2.61 2.56
ROPA  to TLP + ROPA 15.71 13.39 12.94
ROPA  to GA 10.26 8.73 8.52
NPA Ratio (NPA to GA) 13.97 12.40 12.43
NPA Coverage Ratio (NPA reserves to NPA) 19.32 25.49 27.18
Past Due Ratio 9.94 9.19 8.98
       
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