RURAL AND COOPERATIVE 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/                  138.44               134.61               131.79
b Loan Loss Reserves (LLR)  (c + d)                    9.56                    9.49                 10.33
c  Specific Allowance for Credit Losses                      8.30                    8.22                    9.06
d General Loan Loss Provision                      1.27                    1.27                    1.27
e TLP, net of LLR (a - b)               128.87               125.13               121.46
f TLP 1/, net of Interbank Loans (IBL)                  138.44               134.61               131.79
g Gross Non-Performing Loans (NPL)                    16.40                 16.48                 17.31
h Net NPL  (g - c)                    8.10                    8.26                    8.25
i Restructured Loans (RL) 1/                      2.17                    2.08                    2.13
j ROPA 1/ 2/                   10.50                 10.54                 10.44
k Provisions for ROPA 3/                      0.84                    0.80                    0.78
l ROPA, net of provisions (j - k)                    9.65                    9.74                    9.65
m Non-Performing Assets (NPA)  (g + j)                 26.90                 27.01                 27.74
n Gross Assets (GA) 4/                  228.79               221.00               213.44
o TLP 1/  + ROPA  1/ 2/  + Performing SCR                  150.37               146.55               143.82
p NPA Reserves  (b + k)                 10.41                 10.29                 11.11
q Total Past Due Loans and Items in Litigation                   18.80                 18.76                 20.65
           
  Ratios (RCBs)        
  Gross NPL Ratio (Gross NPL to Gross TLP)  (g / a)                 11.85                 12.24                 13.13
  Net NPL Ratio (Net NPL to Gross TLP)  (h / a)                    5.85                    6.13                    6.26
  NPL Ratio net of IBL                    11.85                 12.24                 13.13
  NPL Coverage Ratio (LLR to Gross NPL)  (b / g)                 58.30                 57.58                 59.68
  LLR to TLP  (b / a)                    6.91                    7.05                    7.84
  RL to TLP (i / a)                    1.56                    1.55                    1.62
  ROPA to TLP + ROPA + Performing SCR (j / o)                    6.98                    7.19                    7.26
  ROPA to GA (j/ n)                    4.59                    4.77                    4.89
  NPA Ratio (NPA to GA)  (m / n)                 11.76                 12.22                 13.00
  NPA Coverage Ratio (NPA Reserves to NPA)  (p / m)                 38.69                 38.08                 40.05
  Past Due Ratio (q / a)                 13.58                 13.94                 15.67
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