42  CONSUMER LOANS
            Thrift Banking System        
            as of end of periods indicated        
            in billion pesos        
PARTICULARS March-10 June-10 Sept - 10 r/ December-10
   
TOTAL THRIFT BANKS  
     TOTAL CONSUMER LOANS (CLs) 167.022 169.545 180.745 188.093
          PERFORMING 151.951 154.048 163.673 172.515
          NON-PERFORMING 15.071 15.497 17.072 15.578
         LOAN LOSS RESERVES 7.936 8.466 8.919 8.965
     TOTAL LOAN PORTFOLIO (Net of IBL) 317.126 317.549 330.006 352.503
     NON-PERFORMING LOANS  27.451 27.405 29.694 28.768
     Total CLs to TLP(%)                                   52.67                               53.39                                  54.77                                    53.36
     Non-Performing CLs to total NPLs (%)                                   54.90                               56.55                                  57.49                                    54.15
     Non-Performing CLs to TLP (%)                                     4.75                                 4.88                                    5.17                                      4.42
      Non-Performing CLs to total CLs (%)                                     9.02                                 9.14                                    9.45                                      8.28
   
 TOTAL AUTO LOANS                                 51.987                             54.620                                58.783                                  61.031
           PERFORMING                                 49.696                             52.263                                56.516                                  58.610
          NON-PERFORMING                                   2.291                               2.357                                  2.268                                    2.421
          LOAN LOSS RESERVES                                   1.334                               1.680                                  1.705                                    1.671
     TOTAL LOAN PORTFOLIO (net of IBL)                               317.126                           317.549                              330.006                                352.503
    NON-PERFORMING LOANS                                  27.451                             27.405                                29.694                                  28.768
    Total ALs to TLP(%)                                   16.39                               17.20                                  17.81                                    17.31
    Non-Performing ALs to total NPLs (%)                                     8.35                                 8.60                                    7.64                                      8.42
    Non-Performing ALs to TLP (%)                                     0.72                                 0.74                                    0.69                                      0.69
    Non-Performing ALs to total ALs (%)                                     4.41                                 4.32                                    3.86                                      3.97
   
   TOTAL CREDIT CARD RECEIVABLES                                   0.526                               0.485                                  0.501                                    0.544
         PERFORMING                                   0.455                               0.415                                  0.451                                    0.487
          NON-PERFORMING                                   0.071                               0.070                                  0.051                                    0.058
          LOAN LOSS RESERVES                                   0.121                               0.129                                  0.137                                    0.137
     TOTAL LOAN PORTFOLIO (net of IBL)                               317.126                           317.549                              330.006                                352.503
    NON-PERFORMING LOANS                                  27.451                             27.405                                29.694                                  28.768
   Total CCRs to TLP(%)                                     0.17                                 0.15                                    0.15                                      0.15
   Non-Performing CCRs to total NPLs (%)                                     0.26                                 0.25                                    0.17                                      0.20
   Non-Performing CCRs to TLP (%)                                     0.02                                 0.02                                    0.02                                      0.02
   Non-Performing CCRs to total CCRs (%)                                   13.53                               14.39                                  10.12                                    10.57
   
   RESIDENTIAL REAL ESTATE LOANS (RRELs)                                 90.646                             89.197                                91.803                                  96.139
         PERFORMING                                   83.007                             81.766                                82.244                                  88.274
         NON-PERFORMING                                     7.640                               7.432                                  9.559                                    7.865
          LOAN LOSS RESERVES                                   2.360                               2.286                                  2.657                                    2.537
   TOTAL LOAN PORTFOLIO (Net of IBL)                               317.126                           317.549                              330.006                                352.503
   NON-PERFORMING LOANS                                  27.451                             27.405                                29.694                                  28.768
   Total RRELs to TLP(%)                                   28.58                               28.09                                  27.82                                    27.27
   Non-Performing RRELs to total NPLs (%)                                   27.83                               27.12                                  32.19                                    27.34
   Non-Performing RRELs to TLP (%)                                     2.41                                 2.34                                    2.90                                      2.23
   Non-Performing RRELs to total RRELs (%)                                     8.43                                 8.33                                  10.41                                      8.18
   
   OTHER CONSUMER LOANS (CLs)                                 23.862                             25.242                                29.657                                  30.379
        PERFORMING                                 18.793                             19.604                                24.463                                  25.144
        NON-PERFORMING                                   5.069                               5.639                                  5.194                                    5.235
         LOAN LOSS RESERVES                                   4.121                               4.372                                  4.419                                    4.620
   TOTAL LOAN PORTFOLIO (Net of IBL)                               317.126                           317.549                              330.006                                352.503
   NON-PERFORMING LOANS                                  27.451                             27.405                                29.694                                  28.768
   Total OTHER CLs to TLP(%)                                     7.52                                 7.95                                    8.99                                      8.62
   Non-Performing OTHER CLs to total NPLs (%)                                   18.47                               20.58                                  17.49                                    18.20
   Non-Performing OTHER CLs to TLP (%)                                     1.60                                 1.78                                    1.57                                      1.49
   Non-Performing OTHER CLs to total OTHER CLs (%)                                   21.24                               22.34                                  17.51                                    17.23
r/ Revised  
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