CREDIT CARD RECEIVABLES
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
CREDIT CARD RECEIVABLES	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
UNIVERSAL AND COMMERCIAL BANKS
CREDIT CARD RECEIVABLES	118.384	131.760	131.373	(0.388)	(0.29)	12.989	10.97
PERFORMING	103.093	117.451	116.889	(0.562)	(0.48)	13.796	13.38
NON-PERFORMING	15.291	14.310	14.483	0.174	1.22	(0.807)	(5.28)
LOAN LOSS RESERVES	13.291	11.812	12.894	1.082	9.16	(0.397)	(2.99)
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 CCRs to TLP(%)	4.57	4.25	4.30		0.04		(0.27)
Non-Performing CCRs to total NPLs (%)	14.52	13.95	13.62		(0.34)		(0.90)
Non-Performing CCRs to TLP (%)	0.59	0.46	0.47		0.01		(0.12)
Non-Performing CCRs to total CCRs (%)	12.92	10.86	11.02		0.16		(1.89)
Loan Loss Reserves (CCRs) to Non-Performing CCRs	86.92	82.54	89.03		6.48		2.10
THRIFT BANKS  1/
CREDIT CARD RECEIVABLES	0.388	0.481	0.498	0.017	3.43	0.110	28.33
PERFORMING	0.323	0.378	0.376	(0.002)	(0.58)	0.053	16.39
NON-PERFORMING	0.065	0.103	0.122	0.019	18.21	0.057	88.02
LOAN LOSS RESERVES	0.075	0.092	0.096	0.004	4.62	0.021	28.55
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 CCRs to TLP(%)	0.11	0.12	0.13		0.00		0.02
Non-Performing CCRs to total NPLs (%)	0.25	0.40	0.47		0.07		0.22
Non-Performing CCRs to TLP (%)	0.02	0.03	0.03		0.00		0.01
Non-Performing CCRs to total CCRs (%)	16.67	21.36	24.42		3.05		7.75
Loan Loss Reserves (CCRs) to Non-Performing CCRs	115.44	89.18	78.92		(10.25)		(36.52)
1/ Inclusive of TB subsidiaries of UKBs