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