UNIVERSAL AND COMMERCIAL BANKS
Asset Quality Indicators
As of End of Periods Indicated
                 
  Levels (in Billion Pesos)   SEPTEMBER 2014   AUGUST 2014   SEPTEMBER 2013  
a Total Loan Portfolio (TLP) 1/ *                    4,704.66                    4,588.79                      3,922.08  
b Loan Loss Reserves (LLR) * (c + d)                       133.71                         135.55                         131.34  
c  Specific Allowance for Credit Losses                           82.05                           83.56                           84.14  
d General Loan Loss Provision                           51.66                           51.99                           47.20  
e TLP, net of LLR (a - b)                    4,570.95                      4,453.24                      3,790.75  
f TLP 1/, net of Interbank Loans (IBL) *                      4,525.43                      4,388.69                      3,765.89  
g Gross Non-Performing Loans (NPL) *                           96.18                         101.20                         100.64  
h Net NPL * (g - c)                         14.13                           17.64                           16.50  
i Restructured Loans (RL) 1/                           31.03                           34.26                           27.74  
j ROPA 1/ 2/                           93.26                           95.91                         100.43  
k Provisions for ROPA 3/                           27.80                           28.37                           26.20  
l ROPA, net of provisions (j - k)                         65.46                           67.54                           74.23  
m Non-Performing Assets (NPA) * (g + j)                       189.44                         197.11                         201.07  
n Gross Assets (GA) 4/ *                      9,539.37                      9,459.95                      8,365.48  
o TLP 1/  + ROPA  1/ 2/  + Performing SCR *                      4,805.30                      4,691.36                      4,030.52  
p NPA Reserves * (b + k)                       161.50                         163.92                         157.54  
q Total Past Due Loans and Items in Litigation                         107.57                         112.38                         110.65  
                 
  Ratios (in Percent)   SEPTEMBER 2014   AUGUST 2014   SEPTEMBER 2013  
  Gross NPL Ratio (Gross NPL to Gross TLP) * (g / a)                           2.04                             2.21                             2.57  
  Net NPL Ratio (Net NPL to Gross TLP) * (h / a)                           0.30                             0.38                             0.42  
  NPL Ratio, net of IBL *                             2.11                             2.29                             2.64  
  NPL Coverage Ratio (LLR to Gross NPL) * (b / g)                       139.02                         133.95                         130.51  
  LLR to TLP * (b / a)                           2.84                             2.95                             3.35  
  RL to TLP (i / a)                           0.66                             0.75                             0.71  
  ROPA to TLP + ROPA + Performing SCR (j / o)                           1.94                             2.04                             2.49  
  ROPA to GA (j / n)                           0.98                             1.01                             1.20  
  NPA Ratio (NPA to GA) * (m / n)                           1.99                             2.08                             2.40  
  NPA Coverage Ratio (NPA Reserves to NPA) * (p / m)                         85.25                           83.16                           78.35  
  Past Due Ratio (q / a)                           2.29                             2.45                             2.82  
   
* 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/ Gross of Provisions  
2/ Real and Other Properties Acquired;  ROPA includes Non-Current Assets Held for Sale and Non-Performing Sales Contract Receivables (SCR)  
3/ Provisions for ROPA are inclusive of Accumulated Depreciation  
4/ Total Assets inclusive of Loan Loss Reserves and Provisions for ROPA; and net of Due from Head Office/Branches/Agencies of Foreign Banks