COOPERATIVE BANKS
NPL Indicators
As of Periods Indicated
In Billion Pesos
       
  Sep-2008 Jun-2009 Sep-2009
Total Loan Portfolio (TLP) 1/                         8.800                       10.024                       10.500
Loan Loss Reserves (LLR)                         0.431                         0.486                         0.501
TLP, net of LLR                         8.369                         9.539                         9.999
Non-Performing Loans (NPL)                         0.847                         0.863                         0.906
Restructured Loans (RL)1/                         0.172                         0.218                         0.232
ROPA1/ 2/                         0.431                         0.433                         0.437
Provisions for ROPA                         0.011                         0.012                         0.012
ROPA, net of provisions                         0.420                         0.422                         0.425
Non-Performing Assets (NPA)3/                         1.278                         1.296                         1.343
Gross Assets (GA)4/                       12.619                       14.330                       14.967
TLP1/ + ROPA1/                         9.231                       10.458                       10.937
NPA Reserves 5/                         0.442                         0.497                         0.513
Ratios (in percent)      
NPL Ratio (NPL to TLP )                           9.62                           8.60                           8.63
Net NPL Ratio (NPL to TLP, net of LLR)                         10.12                           9.04                           9.06
NPL Coverage Ratio (LLR to NPL)                         50.94                         56.31                         55.25
LLR to TLP                            4.90                           4.85                           4.77
RL to TLP *                           1.95                           2.17                           2.21
ROPA to TLP + ROPA *                           4.67                           4.14                           4.00
ROPA to GA *                           3.41                           3.02                           2.92
NPA Ratio (NPA to GA)                         10.12                           9.04                           8.98
NPA Coverage Ratio (NPA reserves to NPA)                         34.59                         38.37                         38.18
1/ Gross of provisions  
2/ Real and Other Properties Acquired  
3/ NPL plus ROPA exclusive of 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  
* Computation is based on TLP and GA  figures as prescribed under BSP Circular No. 202