RURAL AND COOPERATIVE BANKS
Asset Quality Indicators
As of End of Periods Indicated
           
  Levels (in Billion Pesos)   SEP 2015 JUN 2015 SEP 2014
a Total Loan Portfolio (TLP) 1/                     121.42                   119.78                     134.61
b Loan Loss Reserves (LLR)  (c + d)                       9.20                       8.91                         9.49
c  Specific Allowance for Credit Losses                         8.00                       7.75                         8.22
d General Loan Loss Provision                         1.20                       1.16                         1.27
e TLP, net of LLR (a - b)                  112.22                   110.87                     125.13
f TLP 1/, net of Interbank Loans (IBL)                     121.42                   119.78                     134.61
g Gross Non-Performing Loans (NPL)                       14.00                     14.25                       16.48
h Net NPL  (g - c)                       6.00                       6.50                         8.26
i Restructured Loans (RL) 1/                         2.29                       2.25                         2.08
j ROPA 1/ 2/                         9.84                       9.63                       10.54
k Provisions for ROPA 3/                         0.93                       0.87                         0.80
l ROPA, net of provisions (j - k)                       8.91                       8.76                         9.74
m Non-Performing Assets (NPA)  (g + j)                    23.83                     23.88                       27.01
n Gross Assets (GA) 4/                     205.44                   202.10                     221.00
o TLP 1/  + ROPA  1/ 2/  + Performing SCR                     132.55                   130.79                     146.55
p NPA Reserves  (b + k)                    10.12                       9.78                       10.29
q Total Past Due Loans and Items in Litigation                      15.95                     16.21                       18.76
           
  Ratios (in Percent)   SEP 2015 JUN 2015 SEP 2014
  Gross NPL Ratio (Gross NPL to Gross TLP)  (g / a)                    11.53                     11.90                       12.24
  Net NPL Ratio (Net NPL to Gross TLP)  (h / a)                       4.94                       5.43                         6.13
  NPL Ratio net of IBL                       11.53                     11.90                       12.24
  NPL Coverage Ratio (LLR to Gross NPL)  (b / g)                    65.70                     62.51                       57.58
  LLR to TLP  (b / a)                       7.57                       7.44                         7.05
  RL to TLP (i / a)                       1.89                       1.88                         1.55
  ROPA to TLP + ROPA + Performing SCR (j / o)                       7.42                       7.36                         7.19
  ROPA to GA (j/ n)                       4.79                       4.76                         4.77
  NPA Ratio (NPA to GA)  (m / n)                    11.60                     11.82                       12.22
  NPA Coverage Ratio (NPA Reserves to NPA)  (p / m)                    42.46                     40.94                       38.08
  Past Due Ratio (q / a)                    13.14                     13.53                       13.94
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