THRIFT BANKS
Asset Quality Indicators
As of End of Periods Indicated
           
  Levels (In Billion Pesos)   DEC 2014 SEP 2014 DEC 2013
a Total Loan Portfolio (TLP) 1/                   574.63                575.78                508.20
b Loan Loss Reserves (LLR)  (c + d)                  19.38                  19.37                  20.11
c  Specific Allowance for Credit Losses                    13.95                  14.48                  15.44
d General Loan Loss Provision                      5.43                    4.90                    4.67
e TLP, net of LLR (a - b)                555.25                556.40                488.09
f TLP 1/, net of Interbank Loans (IBL)                   570.89                568.68                505.22
g Gross Non-Performing Loans (NPL)                     25.17                  26.05                  27.73
h Net NPL  (g - c)                  11.22                  11.57                  12.29
i Restructured Loans (RL) 1/                      3.26                    3.35                    4.15
j ROPA 1/ 2/                    19.97                  19.61                  19.48
k Provisions for ROPA 3/                      4.14                    4.10                    3.84
l ROPA, net of provisions (j - k)                  15.83                  15.51                  15.64
m Non-Performing Assets (NPA)  (g + j)                  45.14                  45.66                  47.21
n Gross Assets (GA) 4/                   901.78                854.86                795.33
o TLP 1/  + ROPA  1/ 2/  + Performing SCR                   597.75                598.47                531.07
p NPA Reserves  (b + k)                  23.52                  23.48                  23.95
q Total Past Due Loans and Items in Litigation                    26.56                  27.82                  29.46
         
  Ratios (TB Industry)   DEC 2014 SEP 2014 DEC 2013
  Gross NPL Ratio (Gross NPL to Gross TLP)  (g / a) 4.38% 4.52% 5.46%
  Net NPL Ratio (Net NPL to Gross TLP)  (h / a) 1.95% 2.01% 2.42%
  NPL Ratio, net of IBL   4.37% 4.54% 5.45%
  NPL Coverage Ratio (LLR to Gross NPL)  (b / g) 76.98% 74.38% 72.51%
  LLR to TLP  (b / a) 3.37% 3.37% 3.96%
  RL to TLP (i / a) 0.57% 0.58% 0.82%
  ROPA to TLP + ROPA + Performing SCR (j / o) 3.34% 3.28% 3.67%
  ROPA to GA (j/ n) 2.21% 2.29% 2.45%
  NPA Ratio (NPA to GA)  (m / n) 5.01% 5.34% 5.94%
  NPA Coverage Ratio (NPA Reserves to NPA)  (p / m) 52.10% 51.42% 50.73%
  Past Due Ratio (q / a) 4.62% 4.83% 5.80%
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