UNIVERSAL AND COMMERCIAL BANKS
Asset Quality Indicators
As of End of Periods Indicated
                 
  Levels (In Billion Pesos)   SEPTEMBER 2013   AUGUST 2013   SEPTEMBER 2012 1/
a Total Loan Portfolio (TLP) 2/ *                    3,922.53                    3,817.87                      3,444.16  
b Loan Loss Reserves (LLR) * (c + d)                       131.51                         131.62                         128.60  
c  Specific Allowance for Credit Losses                           84.30                           85.76                           90.20  
d General Loan Loss Provision                           47.21                           45.86                           38.40  
e TLP, net of LLR (a - b)                    3,791.03                      3,686.26                      3,315.56  
f TLP 2/, net of Interbank Loans (IBL) *                      3,766.34                      3,677.82                      3,283.25  
g Gross Non-Performing Loans (NPL) *                         102.09                         101.93                         103.42  
h Net NPL * (g - c)                         17.79                           16.16                           13.22  
i Restructured Loans (RL) 2/                           27.74                           28.93                           35.50  
j ROPA 2/ 3/                         100.70                         102.19                         106.40  
k Provisions for ROPA 4/                           26.20                           26.37                           27.24  
l ROPA, net of provisions (j - k)                         74.50                           75.81                           79.16  
m Non-Performing Assets (NPA) * (g + j)                       202.79                         204.11                         209.82  
n Gross Assets (GA) 5/ *                      8,365.69                      8,184.04                      6,921.02  
o TLP 2/  + ROPA  2/ 3/  + Performing SCR *                      4,031.24                      3,927.27                      3,560.40  
p NPA Reserves * (b + k)                       157.71                         157.99                         155.84  
q Total Past Due Loans and Items in Litigation                         112.10                         113.24                         113.20  
                 
  Ratios (In Percent)   SEPTEMBER 2013   AUGUST 2013   SEPTEMBER 2012 1/
  Gross NPL Ratio (Gross NPL to Gross TLP) * (g / a)                           2.60                             2.67                             3.00  
  Net NPL Ratio (Net NPL to Gross TLP) * (h / a)                           0.45                             0.42                             0.38  
  NPL Ratio net of IBL *                             2.68                             2.74                             3.15  
  NPL Coverage Ratio (LLR to Gross NPL) * (b / g)                       128.82                         129.13                         124.35  
  LLR to TLP * (b / a)                           3.35                             3.45                             3.73  
  RL to TLP (i / a)                           0.71                             0.76                             1.03  
  ROPA to TLP + ROPA + Performing SCR (j / o)                           2.50                             2.60                             2.99  
  ROPA to GA (j / n)                           1.20                             1.25                             1.54  
  NPA Ratio (NPA to GA) * (m / n)                           2.42                             2.49                             3.03  
  NPA Coverage Ratio (NPA Reserves to NPA) * (p / m)                         77.77                           77.41                           74.27  
  Past Due Ratio (q / a)                           2.86                             2.97                             3.29  
   
* Figures are computed in accordance with the NPL definition as prescribed under BSP Circular No. 772 dated 16 October 2012 effective 01 January 2013  
1/ For comparative purposes, computations for periods prior to January 2013 are aligned with Circular No. 772  
2/ Gross of Provisions  
3/ Real and Other Properties Acquired;  ROPA includes Non-Current Assets Held for Sale and Non-Performing Sales Contract Receivables (SCR)  
4/ Provisions for ROPA are inclusive of Accumulated Depreciation  
5/ Total Assets inclusive of Loan Loss Reserves and Provisions for ROPA; and net of Due from Head Office/Branches/Agencies of Foreign Banks  
r/ Revised due to banks' amended reports