SEDPI

Summary of Financial Ratios

Indicator	2006	2007	2008	Standard
Portfolio at Risk	0%	0%	0%	<5%
Annual Loan Loss Rate	0%	0%	0%	<2%
Loan Loss Provision Adequacy	611%	354%	368%	>100%

Portfolio quality ratios show the general health of a financial institution since the loan portfolio is the largest asset. Portfolio at risk measures the possibility of clients not to pay their loans. Since its inception, SCCI is able to keep portfolio at risk at 0% and has not written off any bad debt in the last three years.

Although SCCI has excellent portfolio quality, it looks into the future and anticipates events that may affect its portfolio. It prepares itself against these events by providing loan loss reserves that are comfortably above the required levels. In 2008, for every peso of required loan loss provision, SCCI reserves PhP3.68.

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