THRIFT BANKS
Asset Quality Indicators
As of End of Periods Indicated
           
  Levels (In Billion Pesos)   SEP 2014 JUN 2014 SEP 2013
a Total Loan Portfolio (TLP) 1/                       575.78                    562.85                    490.70
b Loan Loss Reserves (LLR)  (c + d)                      19.37                      19.09                      20.20
c  Specific Allowance for Credit Losses                        14.48                      14.23                      15.81
d General Loan Loss Provision                          4.90                        4.85                        4.39
e TLP, net of LLR (a - b)                    556.40                    543.76                    470.51
f TLP 1/, net of Interbank Loans (IBL)                       568.68                    553.95                    486.63
g Gross Non-Performing Loans (NPL)                         26.05                      27.16                      28.89
h Net NPL  (g - c)                      11.57                      12.93                      13.09
i Restructured Loans (RL) 1/                          3.35                        4.16                        4.28
j ROPA 1/ 2/                        19.61                      19.95                      17.97
k Provisions for ROPA 3/                          4.10                        4.14                        3.38
l ROPA, net of provisions (j - k)                      15.51                      15.81                      14.58
m Non-Performing Assets (NPA)  (g + j)                      45.66                      47.12                      46.86
n Gross Assets (GA) 4/                       854.86                    842.33                    757.15
o TLP 1/  + ROPA  1/ 2/  + Performing SCR                       598.47                    586.40                    511.82
p NPA Reserves  (b + k)                      23.48                      23.23                      23.58
q Total Past Due Loans and Items in Litigation                        27.82                      29.06                      31.05
         
  Ratios   SEP 2014 JUN 2014 SEP 2013
  Gross NPL Ratio (Gross NPL to Gross TLP)  (g / a) 4.52% 4.83% 5.89%
  Net NPL Ratio (Net NPL to Gross TLP)  (h / a) 2.01% 2.30% 2.67%
  NPL Ratio, net of IBL   4.54% 4.86% 5.90%
  NPL Coverage Ratio (LLR to Gross NPL)  (b / g) 74.38% 70.27% 69.90%
  LLR to TLP  (b / a) 3.37% 3.39% 4.12%
  RL to TLP (i / a) 0.58% 0.74% 0.87%
  ROPA to TLP + ROPA + Performing SCR (j / o) 3.28% 3.40% 3.51%
  ROPA to GA (j/ n) 2.29% 2.37% 2.37%
  NPA Ratio (NPA to GA)  (m / n) 5.34% 5.59% 6.19%
  NPA Coverage Ratio (NPA Reserves to NPA)  (p / m) 51.42% 49.30% 50.32%
  Past Due Ratio (q / a) 4.83% 5.16% 6.33%
  Ratios  (Linked TBs)5/   SEP 2014 JUN 2014 SEP 2013
  Gross NPL Ratio (Gross NPL to Gross TLP)    3.92% 3.91% 4.41%
  Net NPL Ratio (Net NPL to Gross TLP)    1.58% 1.64% 1.22%
  NPL Ratio, net of IBL   3.93% 3.93% 4.46%
  NPL Coverage Ratio (LLR to Gross NPL)    81.11% 79.66% 92.35%
  LLR to TLP    3.18% 3.11% 4.08%
  RL to TLP   0.53% 0.59% 0.80%
  ROPA to TLP + ROPA + Performing SCR   2.87% 2.88% 2.63%
  ROPA to GA   2.08% 2.07% 1.81%
  NPA Ratio (NPA to GA)    4.82% 4.78% 4.77%
  NPA Coverage Ratio (NPA Reserves to NPA)    57.15% 56.33% 67.23%
  Past Due Ratio   4.16% 4.13% 4.85%
 
  Ratios (Non-Linked TBs)6/   SEP 2014 JUN 2014 SEP 2013
  Gross NPL Ratio (Gross NPL to Gross TLP)    6.60% 8.14% 10.06%
  Net NPL Ratio (Net NPL to Gross TLP)    3.58% 4.68% 6.82%
  NPL Ratio, net of IBL   6.63% 8.16% 10.08%
  NPL Coverage Ratio (LLR to Gross NPL)    59.65% 53.91% 41.60%
  LLR to TLP    3.94% 4.39% 4.18%
  RL to TLP   0.51% 1.08% 0.84%
  ROPA to TLP + ROPA + Performing SCR   4.58% 5.09% 5.71%
  ROPA to GA   2.83% 3.17% 3.67%
  NPA Ratio (NPA to GA)    6.69% 7.92% 9.66%
  NPA Coverage Ratio (NPA Reserves to NPA)    38.63% 36.70% 29.76%
  Past Due Ratio   7.24% 8.97% 10.53%
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