33   CONSUMER LOANS
            Commercial Banking System        
            as of end of periods indicated        
            in billion pesos        
PARTICULARS March-09 June-09 September-09 December-09
   
TOTAL COMMERCIAL BANKS  
     TOTAL CONSUMER LOANS (CLs) 55.358 54.695 61.391 63.646
          PERFORMING 51.106 50.523 56.738 58.386
          NON-PERFORMING 4.252 4.172 4.653 5.260
         LOAN LOSS RESERVES 1.634 1.775 2.366 3.184
     TOTAL LOAN PORTFOLIO (Net of IBL) 324.093 329.875 324.195 350.725
     NON-PERFORMING LOANS  15.835 15.875 16.055 15.775
     Total CLs to TLP(%)                              17.08                           16.58                             18.94                             18.15
     Non-Performing CLs to total NPLs (%)                              26.85                           26.28                             28.98                             33.35
     Non-Performing CLs to TLP (%)                                1.31                             1.26                               1.44                               1.50
      Non-Performing CLs to total CLs (%)                                7.68                             7.63                               7.58                               8.26
   
     TOTAL AUTO LOANS                              6.892                           5.354                             8.587                             8.293
          PERFORMING                              6.389                           4.954                             7.845                             7.481
         NON-PERFORMING                              0.503                           0.400                             0.743                             0.811
          LOAN LOSS RESERVES                              0.005                           0.007                             0.087                             0.142
    TOTAL LOAN PORTFOLIO (net of IBL)                          324.093                       329.875                         324.195                         350.725
    NON-PERFORMING LOANS                             15.835                         15.875                           16.055                           15.775
    Total ALs to TLP(%)                                2.13                             1.62                               2.65                               2.36
    Non-Performing ALs to total NPLs (%)                                3.18                             2.52                               4.62                               5.14
    Non-Performing ALs to TLP (%)                                0.16                             0.12                               0.23                               0.23
    Non-Performing ALs to total ALs (%)                                7.30                             7.47                               8.65                               9.79
   
   TOTAL CREDIT CARD RECEIVABLES                            35.060                         35.365                           38.180                           40.510
         PERFORMING                            33.319                         33.544                           36.355                           38.178
          NON-PERFORMING                              1.741                           1.821                             1.825                             2.332
          LOAN LOSS RESERVES                              1.190                           1.263                             1.609                             2.495
     TOTAL LOAN PORTFOLIO (net of IBL)                          324.093                       329.875                         324.195                         350.725
    NON-PERFORMING LOANS                             15.835                         15.875                           16.055                           15.775
   Total CCRs to TLP(%)                              10.82                           10.72                             11.78                             11.55
   Non-Performing CCRs to total NPLs (%)                              11.00                           11.47                             11.37                             14.78
   Non-Performing CCRs to TLP (%)                                0.54                             0.55                               0.56                               0.66
   Non-Performing CCRs to total CCRs (%)                                4.97                             5.15                               4.78                               5.76
   
   RESIDENTIAL REAL ESTATE LOANS (RRELs)                              7.157                           7.142                             8.019                             8.271
         PERFORMING                                6.685                           6.762                             7.515                             7.796
         NON-PERFORMING                                0.472                           0.381                             0.504                             0.475
          LOAN LOSS RESERVES                              0.046                           0.037                             0.040                             0.042
   TOTAL LOAN PORTFOLIO (Net of IBL)                          324.093                       329.875                         324.195                         350.725
   NON-PERFORMING LOANS                             15.835                         15.875                           16.055                           15.775
   Total RRELs to TLP(%)                                2.21                             2.17                               2.47                               2.36
   Non-Performing RRELs to total NPLs (%)                                2.98                             2.40                               3.14                               3.01
   Non-Performing RRELs to TLP (%)                                0.15                             0.12                               0.16                               0.14
   Non-Performing RRELs to total RRELs (%)                                6.59                             5.33                               6.28                               5.75
   
OTHER CONSUMER LOANS (CLs)                              6.249                           6.834                             6.605                             6.572
      PERFORMING                              4.713                           5.263                             5.024                             4.931
      NON-PERFORMING                              1.536                           1.571                             1.581                             1.641
       LOAN LOSS RESERVES                              0.394                           0.468                             0.630                             0.505
TOTAL LOAN PORTFOLIO (Net of IBL)                          324.093                       329.875                         324.195                         350.725
NON-PERFORMING LOANS                             15.835                         15.875                           16.055                           15.775
Total OTHER CLs to TLP(%)                                1.93                             2.07                               2.04                               1.87
Non-Performing OTHER CLs to total NPLs (%)                                9.70                             9.89                               9.85                             10.40
Non-Performing OTHER CLs to TLP (%)                                0.47                             0.48                               0.49                               0.47
Non-Performing OTHER CLs to total OTHER CLs (%)                              24.58                           22.99                             23.94                             24.97
   
1/ Inclusive of TBs subsidiaries of Universal and Commercial Banks  
Note: Details may not add up to totals due to rounding-off  
Source : Supervisory Data Center, Supervision and Examination Sector        
 
Updated as of 15 March 2010