AGRICULTURAL CREDIT POLICY COUNCIL (ACPC)

CALAMITY ASSISTANCE PROGRAM FOR TYPHOON GLENDA VICTIMS

FORM 1. Agri-lending Performance Highlights (As of September 30, 2014)

a. Loans Granted and Loan Repayment

Particulars Amount Loan Repayment (Ratio)

Agrarian Reform Loan 6,689,578.11 60%
Other Agri Loan 2,229,859.38 15%
TOTAL 8,919,437.49 75%

b. Past Due Ratio (PDR)

Particulars Interim 2013 2012 2011

Past Due Ratio – All Loans 12% 8.25% 8.5% 5.11%
Past Due Ratio – Agri Loans 25% 18% N/A N/A

c. Ageing of Past Due

60 days or less __470,282.20

61 to 90 days __541,409.52
91 to 180 days __667,092.64
181 days to 1 year __461,564.34
Above 1 year __146,218.78
TOTAL _2,286,567.48

d. Selected Ratios

For Cooperatives:

Particulars Interim 2013 2012 2011

Liquidity:
Current Ratio 1.67% 1.99% 1.95% 2.5%
Quick Ratio 1.60% 1.88% 1.90% 2.4%
Profitability:
Net Income Margin 0.18% 0.24% 0.21% 0.22%
Return on Investment 0.03% 0.04% 0.04% 0.05%
Return on Fixed Assets 0.28% 1.95% 2.29% 0.59%
Solvency:
Debt to Equity Ratio 1.53% 1.53% 1.43% 1.10%
Debt to Total Assets Ratio 0.57% 0.55% 0.54% 0.39%
FORM 2. Monthly agricultural loan releases for the last 12 months.

Month Total Amount No. of Hectares No. of Borrowers

2013
October 691,800.00 18 22
November 1,756,200.00 63 56
December 1,405,700.00 112 94
2014
January 679,100.00 61 50
February 407,200.00 25 20
March 298,950.00 15 17
April 376,700.00 13 13
May 1,327,440.00 25 29
June 1,743,016.00 52 49
July 883,850.00 30 33
August 291,095.00 15 15
September 562,600.00 12 16

FORM 3. Target Agri loan releases by area (Municipality)

Month Location Total Amount No. of Heads/Has. Crops to be No. of Farmers

financed
November Naga 2,223,821.10 52 Has. Corn 45
Libmanan 772,129.00 25 Has. Rice 23
Pili 825,049.24 15 Has. Rice 19
Ocampo 180,151.20 6 Has. Rice 6
Pamplona 29,373.00 2 Has. Rice 1
San Fernando 66,756.00 3 Has. Rice 2
4,097,279.53
December Pili 208,055.30 7 Has. Rice 7
Bula 364,336.00 10 Has. Rice 12
Ocampo 152,771.00 4 Has. Rice 4
Naga 46,032.00 2 has. Corn 1
Libmanan 78,191.75 4 has. Rice 4
Pamplona 7,227.50 2 Has. Rice 1
TOTAL 856,613.55
GRAND TOTAL 4,953,893.08

FORM 4. SCHEDULE OF BILLS PAYABLE

Creditor/Institution Credit line Principal Outstanding Balance

Current Past Due
UCPB 8,000,000.00 4,469,255.59
Landbank 13,000,000.00 13,246,996.32