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 CONSUMER LOANS (CLs)              
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
   
A. RESIDENTIAL REAL ESTATE LOANS   
TOTAL RESIDENTIAL REAL ESTATE LOANS (RRELs) 192.065 220.836 232.570 11.734                     5.31 40.505             21.09
      PERFORMING 182.372 211.281 222.789 11.508                     5.45 40.417             22.16
      NON-PERFORMING 9.694 9.555 9.781 0.226                     2.36 0.088               0.91
       LOAN LOSS RESERVES 3.187 3.984 3.781 (0.203)                   (5.10) 0.594             18.65
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 RRELs to TLP(%)                          6.53                          6.34                          6.74                     0.40               0.20
Non-Performing RRELs to total NPLs (%)                          7.39                          7.45                          7.39                   (0.06)              (0.00)
Non-Performing RRELs to TLP (%)                          0.33                          0.27                          0.28                     0.01              (0.05)
Non-Performing RRELs to total RRELs (%)                          5.05                          4.33                          4.21                   (0.12)              (0.84)
Loan Loss Reserves (RRELs) to Non-Performing RRELs                        32.87                        41.69                        38.65                     (3.04)                 5.78
   
B. AUTO LOANS  
TOTAL AUTO LOANS (ALs)                    124.222                    139.152                    144.838              5.686                     4.09               20.615             16.60
      PERFORMING                    118.751                    133.170                    138.616              5.446                     4.09               19.865             16.73
      NON-PERFORMING                        5.472                        5.982                        6.222              0.240                     4.01                 0.750             13.71
       LOAN LOSS RESERVES                        3.428                        4.016                        4.754              0.737                   18.36                 1.325             38.66
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 ALs to TLP(%)                          4.23                          3.99                          4.20                     0.20              (0.03)
Non-Performing ALs to total NPLs (%)                          4.17                          4.66                          4.70                     0.03               0.53
Non-Performing ALs to TLP (%)                          0.19                          0.17                          0.18                     0.01              (0.01)
Non-Performing ALs to total ALs (%)                          4.40                          4.30                          4.30                   (0.00)              (0.11)
Loan Loss Reserves (ALs) to Non-Performing ALs                        62.65                        67.14                        76.40                       9.27               13.75
               
C. CREDIT CARD RECEIVABLES   
TOTAL CREDIT CARD RECEIVABLES (CCRs) 118.772 132.242 131.870 (0.371)                   (0.28) 13.098             11.03
      PERFORMING 103.416 117.829 117.265 (0.564)                   (0.48) 13.849             13.39
      NON-PERFORMING 15.355 14.412 14.605 0.193                     1.34 (0.750)              (4.89)
       LOAN LOSS RESERVES 13.366 11.903 12.990 1.086                     9.13 (0.376)              (2.81)
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 CCRs to TLP(%)                          4.04                          3.80                          3.82                     0.02              (0.22)
Non-Performing CCRs to total NPLs (%)                        11.70                        11.23                        11.03                   (0.21)              (0.68)
Non-Performing CCRs to TLP (%)                          0.52                          0.41                          0.42                     0.01              (0.10)
Non-Performing CCRs to total CCRs (%)                        12.93                        10.90                        11.08                     0.18              (1.85)
Loan Loss Reserves (CCRs) to Non-Performing CCRs                        87.04                        82.59                        88.94                       6.35                 1.90
   
D. OTHER CONSUMER LOANS   
TOTAL OTHER CONSUMER LOANS (CLs) 46.092 53.652 54.560 0.908                     1.69 8.469             18.37
      PERFORMING 37.686 46.087 46.786 0.699                     1.52 9.100             24.15
      NON-PERFORMING 8.406 7.565 7.774 0.210                     2.77 (0.631)              (7.51)
       LOAN LOSS RESERVES 6.882 6.412 6.523 0.111                     1.73 (0.359)              (5.21)
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 Other CLs to TLP(%)                          1.57                          1.54                          1.58                     0.04               0.01
Non-Performing Other CLs to total NPLs (%)                          6.41                          5.90                          5.87                   (0.03)              (0.54)
Non-Performing Other CLs to TLP (%)                          0.29                          0.22                          0.23                     0.01              (0.06)
Non-Performing Other CLs to total Other CLs (%)                        18.24                        14.10                        14.25                     0.15              (3.99)
Loan Loss Reserves (Other CLs) to Non-Performing Other CLs                        81.87                        84.76                        83.90                     (0.86)                 2.03