6 CONSUMER LOANS 1/        
                   
                   
  Philippine Banking System         
    as of end of periods indicated        
    in billion pesos        
                   
   
  Mar-11 Jun-11 Sep-11 Dec-11
         
  Consumer Loans (CL) 481.151 500.011 517.581 545.881
  Performing 442.225 460.512 477.403 508.367
  Non-Performing 38.926 39.499 40.178 37.515
  Loan Loss Reserves 26.862 27.787 28.442 26.316
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 2,939.260 3,221.263 3,231.345 3,483.551
  Total Non-Performing Loans (NPL) 131.197 129.377 131.701 128.283
  CL to TLP (%)                             16.37                             15.52                             16.02                             15.67
  Non-Performing CL to Total NPL (%)                             29.67                             30.53                             30.51                             29.24
  Non-Performing CL to TLP (%)                               1.32                               1.23                               1.24                               1.08
  Non-Performing CL to CL (%)                               8.09                               7.90                               7.76                               6.87
   
  Auto Loans (AL) 124.222 128.221 132.729 139.152
  Performing 118.751 122.578 126.888 133.170
  Non-Performing 5.472 5.643 5.841 5.982
  Loan Loss Reserves 3.428 3.377 3.835 4.016
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 2,939.260 3,221.263 3,231.345 3,483.551
  Total Non-Performing Loans (NPL) 131.197 129.377 131.701 128.283
  AL to TLP (%)                               4.23                               3.98                               4.11                               3.99
  Non-Performing AL to Total NPL (%)                               4.17                               4.36                               4.43                               4.66
  Non-Performing AL to TLP (%)                               0.19                               0.18                               0.18                               0.17
  Non-Performing AL to AL (%)                               4.40                               4.40                               4.40                               4.30
   
  Credit Card Receivables (CCR) 118.772 121.198 126.540 132.242
  Performing 103.416 105.737 110.293 117.829
  Non-Performing 15.355 15.461 16.246 14.412
  Loan Loss Reserves 13.366 13.948 13.839 11.903
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 2,939.260 3,221.263 3,231.345 3,483.551
  Total Non-Performing Loans (NPL) 131.197 129.377 131.701 128.283
  CCR to TLP (%)                               4.04                               3.76                               3.92                               3.80
  Non-Performing CCR to Total NPL (%)                             11.70                             11.95                             12.34                             11.23
  Non-Performing CCR to TLP (%)                               0.52                               0.48                               0.50                               0.41
  Non-Performing CCR to CCR (%)                             12.93                             12.76                             12.84                             10.90
   
  Residential Real Estate Loans (RREL) 192.065 198.377 207.399 220.836
  Performing 182.372 188.337 197.565 211.281
  Non-Performing 9.694 10.040 9.834 9.555
  Loan Loss Reserves 3.187 3.395 3.555 3.984
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 2,939.260 3,221.263 3,231.345 3,483.551
  Total Non-Performing Loans (NPL) 131.197 129.377 131.701 128.283
  RREL to TLP (%)                               6.53                               6.16                               6.42                               6.34
  Non-Performing RREL to Total NPL (%)                               7.39                               7.76                               7.47                               7.45
  Non-Performing RREL to TLP (%)                               0.33                               0.31                               0.30                               0.27
  Non-Performing RREL to RREL (%)                               5.05                               5.06                               4.74                               4.33
   
  Other Consumer Loans (OCL) 46.092 52.216 50.914 53.652
  Performing 37.686 43.860 42.656 46.087
  Non-Performing 8.406 8.356 8.257 7.565
  Loan Loss Reserves 6.882 7.067 7.213 6.412
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 2,939.260 3,221.263 3,231.345 3,483.551
  Total Non-Performing Loans (NPL) 131.197 129.377 131.701 128.283
  OCL to TLP (%)                               1.57                               1.62                               1.58                               1.54
  Non-Performing OCL to Total NPL (%)                               6.41                               6.46                               6.27                               5.90
  Non-Performing OCL to TLP (%)                               0.29                               0.26                               0.26                               0.22
  Non-Performing OCL to OCL (%)                             18.24                             16.00                             16.22                             14.10
                   
1/ Bank Proper only
Note: Details may not add up to totals due to rounding-off
Source : Supervisory Data Center, Supervision and Examination Sector
Updated as of 22 March 2012