THRIFT, RURAL AND COOPERATIVE 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/ *                      639.99                          617.49                        577.84  
b Loan Loss Reserves (LLR) * (c + d)                        30.43                            29.94                          28.31  
c  Specific Allowance for Credit Losses                          24.49                            24.34                          23.27  
d General Loan Loss Provision                            5.94                              5.60                            5.04  
e TLP, net of LLR (a - b)                      609.55                          587.55                        549.54  
f TLP 2/, net of Interbank Loans (IBL) *                        637.01                          613.41                        572.20  
g Gross Non-Performing Loans (NPL) *                          45.03                            45.29                          42.39  
h Net NPL * (g - c)                        20.54                            20.95                          19.12  
i Restructured Loans (RL) 2/                            6.29                              6.35                            6.05  
j ROPA 2/ 3/                          29.92                            27.77                          27.18  
k Provisions for ROPA 4/                            4.63                              4.15                            3.64  
l ROPA, net of provisions (j - k)                        25.29                            23.62                          23.54  
m Non-Performing Assets (NPA) * (g + j)                        74.95                            73.06                          69.57  
n Gross Assets (GA) 5/ *                    1,008.77                          960.76                        887.85  
o TLP 2/  + ROPA  2/ 3/  + Performing SCR *                        674.89                          649.81                        609.84  
p NPA Reserves * (b + k)                        35.06                            34.09                          31.94  
q Total Past Due Loans and Items in Litigation                          50.11                            51.28                          48.36  
NPL IBL                          0.20                            0.19                               -  
  Ratios (In Percent)             1/
  Gross NPL Ratio (Gross NPL to Gross TLP) * (g / a)                          7.04                              7.33                          7.34  
  Net NPL Ratio (Net NPL to Gross TLP) * (h / a)                          3.21                              3.39                            3.31  
  NPL Ratio net of IBL *                            7.04                              7.35                            7.41  
  NPL Coverage Ratio (LLR to Gross NPL) * (b / g)                        67.58                            66.10                          66.78  
  LLR to TLP * (b / a)                          4.76                              4.85                            4.90  
  RL to TLP (i / a)                          0.98                              1.03                            1.05  
  ROPA to TLP + ROPA + Performing SCR (j / o)                          4.43                              4.27                            4.46  
  ROPA to GA (j / n)                          2.97                              2.89                            3.06  
  NPA Ratio (NPA to GA) * (m / n)                          7.43                              7.60                            7.84  
  NPA Coverage Ratio (NPA Reserves to NPA) * (p / m)                        46.78                            46.66                          45.92  
  Past Due Ratio (q / a)                          7.83                              8.30                            8.37  
* 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