NPL INDICATORS
As of End of Periods Indicated
             
Levels (In Billion Pesos) Nov-10 Oct-11 Nov-11
Total Loan Portfolio (TLP) 1/                     2,711.54 r/                     3,048.07                       3,157.08  
Loan Loss Reserves (LLR)                          96.87 r/                          92.14                            92.11  
TLP, net of LLR                     2,614.67                       2,955.93                       3,064.97  
TLP 1/, net of Interbank Loans (IBL)                     2,496.99 r/                     2,876.51                       2,981.31  
Non-Performing Loans (NPL)                          83.09 r/                          77.38                            75.37  
Restructured Loans (RL) 1/                          43.27                            40.85                            40.69  
ROPA 1/ 2/                        127.19 r/                        115.50                          115.16  
Provisions for ROPA 2/                          28.53                            27.73                            27.67  
ROPA, net of provisions                          98.66 r/                          87.77                            87.49  
Non-Performing Assets (NPA) 3/                        210.28 r/                        192.88                          190.54  
Gross Assets (GA) 4/                     6,084.89 r/                     6,369.49                       6,540.98  
TLP 1/  + ROPA  1/ 2/  + Performing SCR 5/                      2,849.64 r/                     3,173.78                       3,281.77  
NPA Reserves 6/                        125.40 r/                        119.87                          119.78  
Total Past Due Loans & Items in Litigation                        117.22                          117.11                          116.23  
   
Ratios (In Percent)            
NPL Ratio (NPL to TLP)                            3.06 r/                            2.54                              2.39  
Net NPL Ratio (NPL to TLP, net of IBL)                            3.33 r/                            2.69                              2.53  
NPL Coverage Ratio (LLR to NPL)                        116.58 r/                        119.07                          122.20  
LLR to TLP                            3.57 r/                            3.02                              2.92  
RL to TLP *                            1.58                              1.33                              1.28  
ROPA to TLP * + ROPA + Performing SCR                            4.43                              3.60                              3.48  
ROPA to GA *                            2.08                              1.80                              1.75  
NPA Ratio (NPA to GA)                            3.46                              3.03                              2.91  
NPA Coverage Ratio (NPA Reserves to NPA)                          59.64 r/                          62.15                            62.86  
Past Due Ratio 7/ *                            4.28                              3.80                              3.65  
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 Banks
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