UNIVERSAL AND COMMERCIAL BANKS
NPL INDICATORS
As of End of Periods Indicated
             
Levels (In Billion Pesos) December 2005 November 2006 December 2006
Total Loan Portfolio (TLP) 1/                    1,872.74                    2,024.92                    2,081.06  
Loan Loss Reserves (LLR)                       119.08                       109.41                       100.37  
TLP, net of LLR                    1,753.67                    1,915.51                    1,980.69  
TLP 1/, net of Interbank Loan (IBL)                    1,532.75                    1,663.87                    1,677.95  
Non-Performing Loans (NPL)                       153.67                       139.72                       125.12  
Restructured Loans (RL)                         98.97                         94.73                         86.30  
ROPA 1/ 2/                       190.34                       180.12                       173.90  
Provisions for ROPA                         18.72                         16.38                         15.75  
ROPA, net of provisions                       171.62                       163.74                       158.15  
Non-Performing Assets (NPA) 3/                       334.46                       307.94                       287.80  
Gross Assets (GA) 4/                    3,994.24                    4,322.20                    4,405.46  
TLP 1/ + ROPA 1/                    2,063.08                    2,205.05                    2,254.96  
NPA Reserves 5/                       137.80                       125.79                       116.12  
Total Past Due Loans & Items in Litigation                       162.34                         162.97                         147.03  
             
Ratios (In Percent)  
NPL Ratio (NPL to TLP)                           8.21                             6.90                             6.01  
Net NPL Ratio (NPL to TLP, net of IBL)                         10.03                           8.40                           7.46  
NPL Coverage Ratio (LLR to NPL)                         77.49                         78.31                         80.21  
LLR to TLP                           6.36                           5.40                           4.82  
RL to TLP                           5.25 *                            4.63 *                            4.11 * 
ROPA to TLP + ROPA                           9.17 *                           8.09 *                           7.64 *
ROPA to GA                           4.75 *                           4.15 *                           3.93 *
NPA Ratio (NPA to GA)                           8.37                           7.12                           6.53  
NPA Coverage Ratio (NPA Reserves to NPA)                         41.20                         40.85                         40.35  
Past Due Ratio 6/                           8.61 *                           7.97 *                           7.00 *
1/Gross of Provisions  
2/Real and Other Properties Acquired  
3/NPL plus ROPA; since 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; and net of Due From/To Head Office/Other Agencies/Branches of foreign bank branches
5/LLR plus provisions for ROPA  
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  
r/Revised due to bank's amended report