THRIFT BANKS
NPL Indicators
As of End-Periods Indicated
         
         
Levels (in billion pesos) Oct 2006 Sep 2007 Oct 2007
         
Total Loan Portfolio (TLP)  1/ 241.588 287.869 r/ 314.807
Loan Loss Reserves (LLR) 10.553 10.716 r/ 10.613
TLP, net of LLR 231.035 277.153 304.194
TLP 1/, net of Interbank Loan (IBL) 215.257 236.070 r/ 239.242
Non-Performing Loans (NPL) 21.157 21.539 r/ 21.422
Restructured Loans (RL)  1/ 5.864 5.425 5.370
ROPA  1/ 2/ 35.850 35.107 35.342
Provisions for ROPA 3.360 3.254 3.248
ROPA, net of provisions 32.491 31.853 32.094
Non-Performing Assets (NPA)  3/ 52.566 52.397 r/ 52.512
Gross Assets (GA)  4/  426.148 491.893 r/ 510.206
TLP 1/ + ROPA 1/ 277.439 322.976 r/ 350.149
NPA Reserves  5/ 13.913 13.970 r/ 13.861
Total Past Due and Items in Litigation 22.144 24.126   24.254
Ratios (in percent)        
   
NPL ratio (NPL to TLP) 8.76 7.48 r/ 6.80
Net NPL ratio (NPL to TLP, net of IBL)  9.83 9.12 r/ 8.95
NPL Coverage Ratio (LLR to NPL) 49.88 49.75 r/ 49.54
LLR to TLP 4.37 3.72 r/ 3.37
RL to TLP  2.41 1.87   1.70
ROPA  to TLP + ROPA  12.86 10.81   10.04
ROPA  to GA 8.39 7.11   6.90
NPA Ratio (NPA to GA) 12.34 10.65 r/ 10.29
NPA Coverage Ratio (NPA reserves to NPA)  26.47 26.66 r/ 26.40
Past Due Ratio  9.12 8.33   7.66
         
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