THRIFT BANKS
NPL Indicators
As of End-Periods Indicated
         
         
Levels (in billion pesos) Jun 2006 May 2007 Jun 2007
         
Total Loan Portfolio (TLP)  1/ 217.455 271.887 r/ 270.963
Loan Loss Reserves (LLR) 9.281 10.984 r/ 10.806
TLP, net of LLR 208.174 260.903 260.157
TLP 1/, net of Interbank Loan (IBL) 199.502 239.168 r/ 239.381
Non-Performing Loans (NPL) 17.994 21.208 r/ 21.390
Restructured Loans (RL)  1/ 5.888 5.594 5.472
ROPA  1/ 2/ 32.796 36.620 35.202
Provisions for ROPA 2.398 3.138 3.259
ROPA, net of provisions 30.398 33.482 31.942
Non-Performing Assets (NPA)  3/ 46.410 53.656 r/ 52.348
Gross Assets (GA)  4/ 387.283 474.267 r/ 479.138
TLP 1/ + ROPA 1/ 250.251 308.507 r/ 306.165
NPA Reserves  5/ 11.679 14.122 r/ 14.066
Total Past Due and Items in Litigation 20.143 23.861 22.819
Ratios (in percent)        
   
NPL ratio (NPL to TLP) 8.27 7.80 r/ 7.89
Net NPL ratio (NPL to TLP, net of IBL) 9.02 8.87 r/ 8.94
NPL Coverage Ratio (LLR to NPL) 51.58 51.79 r/ 50.52
LLR to TLP 4.27 4.04 r/ 3.99
RL to TLP 2.69 2.04   2.01
ROPA  to TLP + ROPA 11.98 11.80   11.44
ROPA  to GA 8.44 7.69   7.32
NPA Ratio (NPA to GA) 11.98 11.31 r/ 10.93
NPA Coverage Ratio (NPA reserves to NPA) 25.17 26.32 r/ 26.87
Past Due Ratio 9.20 8.72 8.38
   
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  
6/ Total Past Due Loans and Items in Litigation over TLP  
*  Computation is based on TLP and TA figures per BSP Circular No. 202