REPORT ON CONSUMER LOANS (CLs)
OF UNIVERSAL AND COMMERCIAL BANKS & THRIFT BANKS
As of End Periods Indicated
(Amounts In Billion Pesos)
Particulars	Mar '11	Dec '11	Mar '12	Increase/(Decrease)
				Dec '11 - Mar '12		Mar '11 - Mar '12
				Amount	%	Amount	%
TOTAL UNIVERSAL AND COMMERCIAL BANKS AND THRIFT  BANKS
TOTAL CONSUMER LOANS (CLs)	481.151	545.881	563.839	17.958	3.29	82.688	17.19
PERFORMING	442.225	508.367	525.457	17.090	3.36	83.232	18.82
NON-PERFORMING	38.926	37.515	38.382	0.868	2.31	(0.544)	(1.40)
LOAN LOSS RESERVES	26.862	26.316	28.047	1.732	6.58	1.185	4.41
TOTAL LOAN PORTFOLIO (Net of IBL)	2,939.260	3,483.551	3,451.167	(32.384)	(0.93)	511.908	17.42
NON-PERFORMING LOANS	131.197	128.283	132.441	4.158	3.24	1.245	0.95
Total CLs to TLP(%)	16.37	15.67	16.34		0.67		(0.03)
Non-Performing CLs to total NPLs (%)	29.67	29.24	28.98		(0.26)		(0.69)
Non-Performing CLs to TLP (%)	1.32	1.08	1.11		0.04		(0.21)
Non-Performing CLs to total CLs (%)	8.09	6.87	6.81		(0.06)		(1.28)
Loan Loss Reserves (CLs) to Non-Performing CLs	69.01	70.15	73.07		2.93		4.06
UNIVERSAL AND COMMERCIAL BANKS
TOTAL CONSUMER LOANS (CLs)	291.620	351.002	362.853	11.851	3.38	71.233	24.43
PERFORMING	265.528	325.642	336.672	11.030	3.39	71.144	26.79
NON-PERFORMING	26.092	25.360	26.181	0.821	3.24	0.089	0.34
LOAN LOSS RESERVES	18.009	17.298	18.488	1.190	6.88	0.479	2.66
TOTAL LOAN PORTFOLIO (Net of IBL)	2,590.549	3,098.024	3,058.522	(39.502)	(1.28)	467.972	18.06
NON-PERFORMING LOANS	105.285	102.541	106.354	3.812	3.72	1.068	1.01
Total CLs to TLP(%)	11.26	11.33	11.86		0.53		0.61
Non-Performing CLs to total NPLs (%)	24.78	24.73	24.62		(0.11)		(0.17)
Non-Performing CLs to TLP (%)	1.01	0.82	0.86		0.04		(0.15)
Non-Performing CLs to total CLs (%)	8.95	7.23	7.22		(0.01)		(1.73)
Loan Loss Reserves (CLs) to Non-Performing CLs	69.02	68.21	70.61		2.41		1.59
THRIFT BANKS  1/
TOTAL CONSUMER LOANS (CLs)	189.531	194.879	200.986	6.107	3.13	11.455	6.04
PERFORMING	176.697	182.725	188.785	6.060	3.32	12.087	6.84
NON-PERFORMING	12.834	12.155	12.201	0.047	0.39	(0.633)	(4.93)
LOAN LOSS RESERVES	8.853	9.018	9.560	0.542	6.01	0.706	7.98
TOTAL LOAN PORTFOLIO (Net of IBL)	348.711	385.527	392.646	7.118	1.85	43.935	12.60
NON-PERFORMING LOANS	25.911	25.742	26.088	0.346	1.34	0.177	0.68
Total CLs to TLP(%)	54.35	50.55	51.19		0.64		(3.16)
Non-Performing CLs to total NPLs (%)	49.53	47.22	46.77		(0.45)		(2.76)
Non-Performing CLs to TLP (%)	3.68	3.15	3.11		(0.05)		(0.57)
Non-Performing CLs to total CLs (%)	6.77	6.24	6.07		(0.17)		(0.70)
Loan Loss Reserves (CLs) to Non-Performing CLs	68.98	74.19	78.35		4.16		9.37
1/ Inclusive of TB-subsidiaries of UKBs