THRIFT BANKS
NPL Indicators
As of End-Periods Indicated
         
         
Levels (in billion pesos) Mar 2007 Feb 2008 r/ Mar 2008
         
Total Loan Portfolio (TLP)  1/ 279.479 307.863 r/ 295.917
Loan Loss Reserves (LLR) 10.280 9.570 r/ 9.588
TLP, net of LLR 269.199 298.293 286.329
TLP 1/, net of Interbank Loan (IBL) 235.178 242.517 r/ 257.952
Non-Performing Loans (NPL) 20.371 20.653 r/ 19.730
Restructured Loans (RL)  1/ 5.612 4.504 4.467
ROPA  1/ 2/ 35.849 31.169 28.186
Provisions for ROPA 3.042 2.509 2.840
ROPA, net of provisions 32.808 28.660 25.345
Non-Performing Assets (NPA)  3/ 51.746 47.473 r/ 47.916
Gross Assets (GA)  4/ 481.887 505.774 r/ 497.039
TLP 1/ + ROPA 1/ 315.328 339.032 r/ 327.483
NPA Reserves  5/ 13.321 12.079 r/ 12.428
Total Past Due and Items in Litigation 22.955 23.313   28.918
Ratios (in percent)        
         
NPL ratio (NPL to TLP) 7.29 6.71 r/ 6.67
Net NPL ratio (NPL to TLP, net of IBL) 8.66 8.52 r/ 7.65
NPL Coverage Ratio (LLR to NPL) 50.46 46.34 r/ 48.59
LLR to TLP 3.68 3.11 r/ 3.24
RL to TLP 1.99 1.45   1.50
ROPA  to TLP + ROPA 11.29 9.14   8.55
ROPA  to GA 7.41 6.14   5.65
NPA Ratio (NPA to GA) 10.74 9.39 r/ 9.64
NPA Coverage Ratio (NPA reserves to NPA) 25.74 25.44 r/ 25.94
Past Due Ratio 8.15 7.52   9.70
         
 r/ Revised due to banks' amended reports  
1/ Gross of provisions  
2/ Real and Other Properties Acquired; Beginning Financial Reporting Package (FRP) Report as of end-March 2008,
                computation of ROPA includes Non-Current Assets Held for Sale and non-performing Sales  
                Contract Receivables (SCR) for financial ratio analysis  
3/ NPL plus ROPA  
4/ Inclusive of loan loss reserves and provisions for ROPA  
5/ LLR plus provisions for ROPA