REPORT ON CONSUMER LOANS (CLs)
OF UNIVERSAL AND COMMERCIAL BANKS & THRIFT BANKS
As of End Periods Indicated
(Amounts In Billion Pesos)
Particulars Mar 08 Dec 08 r/ Mar 09 Increase/(Decrease)
Dec  08 - Mar 09 Mar 08 - Mar 09
Amount % Amount %
TOTAL UNIVERSAL AND COMMERCIAL BANKS AND THRIFT  BANKS  
TOTAL CONSUMER LOANS (CLs) 325.052 379.994 385.810 5.816         1.53     60.757 18.69
      PERFORMING 298.587 347.421 350.909 3.487         1.00     52.322 17.52
      NON-PERFORMING 26.465 32.572 34.901 2.329         7.15       8.436 31.87
       LOAN LOSS RESERVES 14.621 17.771 19.104 1.333         7.50       4.483 30.66
TOTAL LOAN PORTFOLIO (Net of IBL) 2,117.280 2,576.162 2,540.293 (35.869)       (1.39)   423.012 19.98
NON-PERFORMING LOANS 129.437 128.717 133.450 4.733         3.68       4.013 3.10
Total CLs to TLP(%) 15.35 14.75 15.19         0.44 (0.16)
Non-Performing CLs to total NPLs (%) 20.45 25.31 26.15         0.85 5.71
Non-Performing CLs to TLP (%) 1.25 1.26 1.37         0.11 0.12
Non-Performing CLs to total CLs (%) 8.14 8.57 9.05         0.47 0.90
Loan Loss Reserves (CLs) to Non-Performing CLs 55.25 54.56 54.74         0.18 (0.51)
   
UNIVERSAL AND COMMERCIAL
BANKS
 
TOTAL CONSUMER LOANS (CLs) 190.554 228.323 229.989 1.666         0.73     39.435 20.69
      PERFORMING 174.742 207.987 208.374 0.388         0.19     33.632 19.25
      NON-PERFORMING 15.811 20.336 21.614 1.278         6.28       5.803 36.70
       LOAN LOSS RESERVES 9.593 11.501 12.599 1.098         9.55       3.006 31.34
TOTAL LOAN PORTFOLIO (Net of IBL) 1,857.190 2,295.142 2,244.929 (50.213)       (2.19)   387.739 20.88
NON-PERFORMING LOANS 107.569 105.495 107.984 2.490         2.36       0.415 0.39
Total CLs to TLP(%) 10.26 9.95 10.24         0.30 (0.02)
Non-Performing CLs to total NPLs (%) 14.70 19.28 20.02         0.74 5.32
Non-Performing CLs to TLP (%) 0.85 0.89 0.96         0.08 0.11
Non-Performing CLs to total CLs (%) 8.30 8.91 9.40         0.49 1.10
Loan Loss Reserves (CLs) to Non-Performing CLs 60.67 56.56 58.29         1.74 (2.38)
   
THRIFT BANKS  1/  
TOTAL CONSUMER LOANS (CLs) 134.499 151.671 155.821 4.150         2.74     21.322 15.85
      PERFORMING 123.845 139.435 142.534 3.100         2.22     18.690 15.09
      NON-PERFORMING 10.654 12.236 13.287 1.051         8.59       2.633 24.71
       LOAN LOSS RESERVES 5.028 6.270 6.505 0.235         3.74       1.476 29.36
TOTAL LOAN PORTFOLIO (Net of IBL) 260.090 281.019 295.364 14.344         5.10     35.274 13.56
NON-PERFORMING LOANS 21.868 23.223 25.466 2.243         9.66       3.598 16.45
Total CLs to TLP(%) 51.71 53.97 52.76       (1.22) 1.04
Non-Performing CLs to total NPLs (%) 48.72 52.69 52.18       (0.51) 3.46
Non-Performing CLs to TLP (%) 4.10 4.35 4.50         0.14 0.40
Non-Performing CLs to total CLs (%) 7.92 8.07 8.53         0.46 0.61
Loan Loss Reserves (CLs) to Non-Performing CLs 47.20 51.24 48.95         (2.29)   1.76
1/ Inclusive of TB-subsidiaries of UKBs  
r/ Revised
< o������������������