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