NPL INDICATORS
As of End of Periods Indicated
             
Levels (In Billion Pesos) February 2010 January 2011 February 2011
Total Loan Portfolio (TLP) 1/                    2,584.67                    2,706.53 r/                    2,787.16  
Loan Loss Reserves (LLR)                         91.74                         95.60 r/                         97.79  
TLP, net of LLR                    2,492.93                    2,610.93                      2,689.37  
TLP 1/, net of Interbank Loans (IBL)                    2,275.43                    2,514.36 r/                    2,575.24  
Non-Performing Loans (NPL)                         82.28                         81.38 r/                         81.79  
Restructured Loans (RL) 1/                         44.93                         44.96                           44.10  
ROPA 1/ 2/                       132.98                       124.38 r/                       124.35  
Provisions for ROPA 2/                         27.93                         27.74                           27.95  
ROPA, net of provisions                       105.05                         96.64 r/                         96.41  
Non-Performing Assets (NPA) 3/                       215.26                       205.77 r/                       206.14  
Gross Assets (GA) 4/                    5,560.81                    6,017.75 r/                    6,122.95  
TLP 1/  + ROPA  1/ 2/  + Performing SCR 5/                     2,728.61                    2,841.78 r/                    2,921.95  
NPA Reserves 6/                       119.67                       123.34 r/                       125.74  
Total Past Due Loans & Items in Litigation                       112.34                         114.64                         113.46  
   
Ratios (In Percent)  
NPL Ratio (NPL to TLP)                           3.18                             3.01 r/                           2.93  
Net NPL Ratio (NPL to TLP, net of IBL)                           3.62                           3.24 r/                           3.18  
NPL Coverage Ratio (LLR to NPL)                       111.50                       117.47 r/                       119.57  
LLR to TLP                           3.55                           3.53 r/                           3.51  
RL to TLP *                           1.72                           1.65                           1.57  
ROPA to TLP * + ROPA + Performing SCR                           4.84                           4.34                           4.22  
ROPA to GA *                           2.38                           2.06                           2.02  
NPA Ratio (NPA to GA)                           3.87                           3.42 r/                           3.37  
NPA Coverage Ratio (NPA Reserves to NPA)                         55.60                         59.94 r/                         61.00  
Past Due Ratio 7/ *                           4.31                             4.20                             4.04  
1/Gross of Provisions  
2/Real and Other Properties Acquired; Beginning Financial Reporting Package (FRP) Report as of end-March 2008, ROPA and ROPA Reserves   
are inclusive of Accumulated Depreciation; 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; and net of Due From/To Head Office/Other Agencies/Branches of Foreign Bank
5/Sales Contract Receivables 
6/LLR plus Provisions for ROPA  
7/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 due to banks' amended reports