30
4.6 2.1
2.0 2.2
2.4 2.5
2.6 3.0
2.1 2.5
5.2
2003 2004 2005 Mar
Jun Sep
Dec Mar
Jun Sep
Dec
NPL rate at 2.1
Loss Doubtful
Substandard
NPL rate
22 5
73 3,780
20 9
71 1,919
19 6
75 3,359
19 9
72 2,182
21 9
70 1,934
20 9
71 1,919
19 9
72 1,928
18 11
71 1,896
18 14
68 1,807
2004 2005
20 15
65 1,865
20 15
65 1,865
Sm
31
Non-performing assets increase slightly in 4Q
3Q 2005
4Q 2004
4Q 2005
NPAs at start of period
New NPAs Net recoveries of existing NPAs
Write-offs
NPAs at end of period Sm
1,807
250 150
42
1,865 2,182
114 283
79
1,934 1,896
180 225
44
1,807
32 tangerinesin\Analyst presentation\1H2001 Results\06 Analyst Presentation.ppt
Add charges for New NPLs
Existing NPLs 86
33 119
74 42
116 Sm
4Q 2005
4Q 2004
Subtract charges for Upgrading
Settlements Recoveries
Total SP charges 3Q
2005
40 49
89
Specific provision charges higher in 4Q from lower write-backs
1 41
6 48
71 2
64 13
79 37
1 40
18 59
30
33 tangerinesin\Analyst presentation\1H2001 Results\06 Analyst Presentation.ppt
Add charges for New NPLs
Existing NPLs 223
169 392
217 179
396 Sm
2005 2004
Subtract charges for Upgrading
Settlements Recoveries
Total SP charges
Specific provision charges for 2005 higher from lower write-backs
7 154
35 196
196 24
245 34
303 93
34
1,323 689
769 1,199
794 715
689 700
716 726
769 1,064
1,017 1,031 1,072
1,025 1,037 1,017 1,036 1,068 1,031 1,031 1,800
2,387
1,706 1,800
2,271 1,819 1,752 1,706 1,736 1,784 1,757
2003 2004 2005 Mar
Jun Sep
Dec Mar
Jun Sep
Dec
SP+GP Unsec NPAs 124
187 198
132 156
183 187
202 201
207 198
SP+GP NPAs 63
89 97
68 83
91 89
90 94
97 97
Coverage ratios
GP SP
2004 2005
Sm
Provision coverage maintained at 97
35
10.5 11.3
10.6 10.4
11.6 11.8
11.3 10.9
10.6 10.4
10.6 4.6
4.5 4.2
4.1 4.0
3.6 4.5
4.4 4.1
4.3 4.2
14.8 15.1
15.8 14.8
14.5 15.6 15.4 15.8 15.3
14.7 14.7
2003 2004 2005 Mar
Jun Sep
Dec Mar
Jun Sep
Dec
2005 capital ratios based on MAS framework. Earlier periods based on BIS guidelines
Tier-1 capital 9.6
11.8 13.1
10.2 11.2
11.5 11.8
11.8 12.2