THE non-performing loans (NPL) proportion of the country's large banks went up somewhat in January as the way up in NPLs was more than half of the tumble in the complete loan portfolio (TLP).
Bangko Sentral information uncover that as of end-January 2012, the NPL proportion of concept and blurb banks (U/KBs) stood at 2.35 percent, aloft by 0.12 commission indicate than the formerly month's 2.23 percent.
But on a year-on-year basis, January 2012's NPL proportion was improved by 0.66 commission indicate than a year ago's 3.01 percent.
BSP mentioned that the month-on-month transformation in the NPL proportion occurred as the 1.75 percent way up in NPLs to P73.20 billion from P71.94 billion came with the 3.14 percent tumble in TLP to P3,120.69 billion from P3,221.77 billion.
Net of interbank loans (IBL), the NPL proportion edged up 0.15 commission indicate to 2.50 percent from final month's 2.35 percent but improved 0.74 commission indicate from a year ago's 3.24 percent.
The proportion increased from final month as the expansion in NPLs was accompanied by the 4.56 percent fall in periodic loans to P2,927.40 billion from P3,067.42 billion.
Meantime, the restructured loans (RLs) to TLP proportion remained at 1.24 percent final month but eased from a year ago's 1.65 percent.
The proportion was the same as final month given the 3.03 percent lessen in sum RLs cancel out the tumble in TLP.
Real and other properties acquired (ROPA), sum to sum properties (GAs) climbed to 1.70 percent from final month's 1.67 percent but got improved from a year ago's 2.06 percent ratio.
The proportion rose from final month as a outcome of the shrinking in GAs outpacing the 0.83 percent cut in ROPA.
The non-performing properties (NPA) to GAs proportion went up to 2.83 percent from final month's 2.76 percent but improved from a year ago's 3.42 percent ratio.
The proportion edged up from the formerly month due to the 0.18 percent travel in NPAs joined with the 2.56 percent fall in GAs.
The industry's provisioning against prospective credit losses remained competent notwithstanding a few decline.
The NPL coverage proportion (loan loss pot to NPLs) slipped to 124.73 percent from final month's 126.36 percent but strengthened from year ago's 117.47 percent ratio.
On the other hand, the NPA coverage proportion (NPA pot to NPA) widened to 64.69 percent from 64.44 percent final month and from year ago's 59.94 percent ratio.
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