THRIFT BANKS
NPL Indicators
As of End-Periods Indicated
         
         
Levels (in billion pesos) Nov 2006 Oct 2007 Nov 2007
         
Total Loan Portfolio (TLP)  1/ 242.604 314.807 r/ 309.715
Loan Loss Reserves (LLR) 10.271 10.613 r/ 10.216
TLP, net of LLR 232.333 304.194 299.499
TLP 1/, net of Interbank Loan (IBL) 217.817 239.242 r/ 244.548
Non-Performing Loans (NPL) 20.465 21.422 r/ 21.446
Restructured Loans (RL)  1/ 5.889 5.370 5.369
ROPA  1/ 2/ 35.825 35.342 35.403
Provisions for ROPA 3.218 3.248 3.216
ROPA, net of provisions 32.607 32.094 32.186
Non-Performing Assets (NPA)  3/ 51.778 52.512 r/ 52.497
Gross Assets (GA)  4/ 435.458 510.206 r/ 509.109
TLP 1/ + ROPA 1/ 278.429 350.149 r/ 345.118
NPA Reserves  5/ 13.490 13.861 r/ 13.433
Total Past Due and Items in Litigation 21.990 24.254   24.398
Ratios (in percent)        
         
NPL ratio (NPL to TLP) 8.44 6.80 r/ 6.92
Net NPL ratio (NPL to TLP, net of IBL) 9.40 8.95 r/ 8.77
NPL Coverage Ratio (LLR to NPL) 50.19 49.54 r/ 47.64
LLR to TLP 4.23 3.37 r/ 3.30
RL to TLP 2.41 1.70   1.72
ROPA  to TLP + ROPA 12.79 10.04   10.20
ROPA  to GA 8.19 6.90   6.93
NPA Ratio (NPA to GA) 11.89 10.29 r/ 10.31
NPA Coverage Ratio (NPA reserves to NPA) 26.05 26.40 r/ 25.59
Past Due Ratio 9.00 7.66   7.83
         
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