33   CONSUMER LOANS
            Commercial Banking System        
            as of end of periods indicated        
            in billion pesos        
PARTICULARS March-10 June-10 September-10 December-10
   
TOTAL COMMERCIAL BANKS  
     TOTAL CONSUMER LOANS (CLs) 60.752 62.654 61.353 64.297
          PERFORMING 55.062 56.526 56.319 59.724
          NON-PERFORMING 5.690 6.128 5.034 4.573
         LOAN LOSS RESERVES 2.933 2.895 2.620 2.989
     TOTAL LOAN PORTFOLIO (Net of IBL) 320.017 334.755 346.853 403.247
     NON-PERFORMING LOANS  16.723 18.168 16.003 15.397
     Total CLs to TLP(%)                             18.98                             18.72                             17.69                             15.94
     Non-Performing CLs to total NPLs (%)                             34.02                             33.73                             31.46                             29.70
     Non-Performing CLs to TLP (%)                               1.78                               1.83                               1.45                               1.13
      Non-Performing CLs to total CLs (%)                               9.37                               9.78                               8.20                               7.11
   
     TOTAL AUTO LOANS                             8.044                             8.404                             8.768                             9.219
          PERFORMING                             7.381                             7.724                             8.176                             8.601
         NON-PERFORMING                             0.663                             0.680                             0.592                             0.618
          LOAN LOSS RESERVES                             0.153                             0.150                             0.153                             0.128
    TOTAL LOAN PORTFOLIO (net of IBL)                         320.017                         334.755                         346.853                         403.247
    NON-PERFORMING LOANS                            16.723                           18.168                           16.003                           15.397
    Total ALs to TLP(%)                              2.51                              2.51                              2.53                              2.29
    Non-Performing ALs to total NPLs (%)                      3.96                      3.74                      3.70                      4.02
    Non-Performing ALs to TLP (%)                      0.21                      0.20                      0.17                      0.15
    Non-Performing ALs to total ALs (%)                      8.24                      8.09                      6.75                      6.71
   
   TOTAL CREDIT CARD RECEIVABLES                           37.972                           39.232                           38.897                           41.151
         PERFORMING                           34.936                           35.893                           36.308                           38.793
          NON-PERFORMING                             3.036                             3.339                             2.589                             2.358
          LOAN LOSS RESERVES                             2.250                             2.216                             1.985                             1.524
     TOTAL LOAN PORTFOLIO (net of IBL)                         320.017                         334.755                         346.853                         403.247
    NON-PERFORMING LOANS                            16.723                           18.168                           16.003                           15.397
   Total CCRs to TLP(%)                             11.87                             11.72                             11.21                             10.20
   Non-Performing CCRs to total NPLs (%)                             18.15                             18.38                             16.18                             15.32
   Non-Performing CCRs to TLP (%)                               0.95                               1.00                               0.75                               0.58
   Non-Performing CCRs to total CCRs (%)                               7.99                               8.51                               6.65                               5.73
   
   RESIDENTIAL REAL ESTATE LOANS (RRELs)                             8.248                             8.584                             7.552                             8.068
         PERFORMING                               7.872                             8.164                             7.234                             7.838
         NON-PERFORMING                               0.376                             0.419                             0.318                             0.230
          LOAN LOSS RESERVES                             0.030                             0.038                             0.035                             0.076
   TOTAL LOAN PORTFOLIO (Net of IBL)                         320.017                         334.755                         346.853                         403.247
   NON-PERFORMING LOANS                            16.723                           18.168                           16.003                           15.397
   Total RRELs to TLP(%)                               2.58                               2.56                               2.18                               2.00
   Non-Performing RRELs to total NPLs (%)                               2.25                               2.31                               1.99                               1.50
   Non-Performing RRELs to TLP (%)                               0.12                               0.13                               0.09                               0.06
   Non-Performing RRELs to total RRELs (%)                               4.56                               4.89                               4.21                               2.85
   
OTHER CONSUMER LOANS (CLs)                             6.489                             6.435                             6.135                             5.859
      PERFORMING                             4.873                             4.745                             4.600                             4.493
      NON-PERFORMING                             1.616                             1.690                             1.536                             1.366
       LOAN LOSS RESERVES                             0.500                             0.491                             0.448                             1.261
TOTAL LOAN PORTFOLIO (Net of IBL)                         320.017                         334.755                         346.853                         403.247
NON-PERFORMING LOANS                            16.723                           18.168                           16.003                           15.397
Total OTHER CLs to TLP(%)                               2.03                               1.92                               1.77                               1.45
Non-Performing OTHER CLs to total NPLs (%)                               9.66                               9.30                               9.60                               8.87
Non-Performing OTHER CLs to TLP (%)                               0.50                               0.50                               0.44                               0.34
Non-Performing OTHER CLs to total OTHER CLs (%)                             24.90                             26.26                             25.03                             23.32
   
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 07 April 2011