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