COOPERATIVE BANKS
NPL Indicators
As of Periods Indicated
In Billion Pesos
       
  June                 2009 March                 2010 June                 2010
Total Loan Portfolio (TLP) 1/                       10.024                       10.973                       10.881
Loan Loss Reserves (LLR)                         0.486                         0.557                         0.548
TLP, net of LLR                         9.539                       10.416                       10.333
Non-Performing Loans (NPL)                         0.863                         0.774                         0.927
Restructured Loans (RL)1/                         0.218                         0.208                         0.121
ROPA1/ 2/                         0.433                         0.364                         0.315
Provisions for ROPA                         0.012                         0.014                         0.015
ROPA, net of provisions                         0.422                         0.350                         0.300
Non-Performing Assets (NPA)3/                         1.296                         1.138                         1.242
Gross Assets (GA)4/                       14.330                       15.821                       15.661
TLP1/ + ROPA1/ 2/ + Performing SCR                       10.499                       11.391                       11.237
NPA Reserves 5/                         0.497                         0.570                         0.563
Ratios (in percent)      
NPL Ratio (NPL to TLP )                           8.60                           7.06                           8.52
Net NPL Ratio (NPL to TLP, net of LLR)                           9.04                           7.43                           8.97
NPL Coverage Ratio (LLR to NPL)                         56.31                         71.92                         59.15
LLR to TLP                            4.85                           5.08                           5.04
RL to TLP *                           2.17                           1.90                           1.11
ROPA to TLP * + ROPA + Performing SCR                           4.12                           3.19                           2.80
ROPA to GA *                           3.02                           2.30                           2.01
NPA Ratio (NPA to GA)                           9.04                           7.19                           7.93
NPA Coverage Ratio (NPA reserves to NPA)                         38.37                         50.13                         45.34
1/ Gross of provisions      
2/ Real and Other Properties Acquired  
3/ NPL plus ROPA exclusive of performing Sales Contract Receivables (SCR) 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 GA  figures as prescribed under BSP Circular No. 202  
r/ Revised