THRIFT BANKS
Asset Quality Indicators
As of End of Periods Indicated
                 
  Levels (In Billion Pesos)   DECEMBER 2013   SEPTEMBER 2013   DECEMBER 2012 1/
a Total Loan Portfolio (TLP) 2/ *                      508.20                        490.70                      449.26  
b Loan Loss Reserves (LLR) * (c + d)                        20.11                          20.20                          18.09  
c  Specific Allowance for Credit Losses                          15.44                          15.81                          14.32  
d General Loan Loss Provision                            4.67                            4.39                            3.78  
e TLP, net of LLR (a - b)                      488.09                        470.51                        431.17  
f TLP 2/, net of Interbank Loans (IBL) *                        505.22                        486.63                        443.62  
g Gross Non-Performing Loans (NPL) *                          27.73                          28.89                          26.53  
h Net NPL * (g - c)                        12.29                          13.09                          12.22  
i Restructured Loans (RL) 2/                            4.15                            4.28                            4.16  
j ROPA 2/ 3/                          19.48                          17.97                          18.35  
k Provisions for ROPA 4/                            3.84                            3.38                            3.03  
l ROPA, net of provisions (j - k)                        15.64                          14.58                          15.32  
m Non-Performing Assets (NPA) * (g + j)                        47.21                          46.86                          44.88  
n Gross Assets (GA) 5/ *                        795.33                        757.15                        687.29  
o TLP 2/  + ROPA  2/ 3/  + Performing SCR *                        531.07                        511.82                        471.03  
p NPA Reserves * (b + k)                        23.95                          23.58                          21.12  
q Total Past Due Loans and Items in Litigation                          29.46                          31.05                          28.10  
  Ratios (In Percent)             1/
  Gross NPL Ratio (Gross NPL to Gross TLP) * (g / a)                          5.46                            5.89                            5.91  
  Net NPL Ratio (Net NPL to Gross TLP) * (h / a)                          2.42                            2.67                            2.72  
  NPL Ratio net of IBL *                            5.45                            5.90                            5.98  
  NPL Coverage Ratio (LLR to Gross NPL) * (b / g)                        72.51                          69.90                          68.20  
  LLR to TLP * (b / a)                          3.96                            4.12                            4.03  
  RL to TLP (i / a)                          0.82                            0.87                            0.93  
  ROPA to TLP + ROPA + Performing SCR (j / o)                          3.67                            3.51                            3.90  
  ROPA to GA (j/ n)                          2.45                            2.37                            2.67  
  NPA Ratio (NPA to GA) * (m / n)                          5.94                            6.19                            6.53  
  NPA Coverage Ratio (NPA Reserves to NPA) * (p / m)                        50.73                          50.32                          47.06  
  Past Due Ratio (q / a)                          5.80                            6.33                            6.26  
* 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