CREDIT CARD RECEIVABLES
OF UNIVERSAL AND COMMERCIAL AND THRIFT BANKS (Consolidated with Subsidiaries)
As of End-Periods Indicated
(Amounts In Billion Pesos)
Particulars Mar '11 Dec '11 Mar '12 Increase/(Decrease) of
Total Banks & Subsidiaries
Banks Subsidiaries
of U/KBs
Total Banks Subsidiaries
of U/KBs
Total Banks Subsidiaries
of U/KBs
Total Dec '11 - Mar '12 Mar '11 - Mar '12
TBs  RBs Others Total TBs  RBs Others Total TBs  RBs Others Total Amount % Amount %
TOTAL UNIVERSAL AND COMMERCIAL BANKS AND THRIFT  BANKS    
CREDIT CARD RECEIVABLES           118.529          0.243                -         22.470             22.713           141.242             131.957             0.284                   -           27.266          27.551           159.508           131.569            0.302                  -          27.234          27.535           159.104          (0.404)                    (0.25)             17.862            12.65
      PERFORMING           103.230          0.187                -         19.195             19.381           122.611             117.611             0.218                   -           24.285          24.503           142.114           117.035            0.230                  -          23.960          24.190           141.225          (0.889)                    (0.63)             18.614            15.18
      NON-PERFORMING             15.299          0.056                -           3.275               3.331             18.630               14.346             0.066                   -             2.981            3.048             17.394             14.533            0.072                  -            3.274            3.345             17.879            0.485                      2.79             (0.752)            (4.04)
       LOAN LOSS RESERVES             13.316          0.049                -           3.122               3.172             16.488               11.842             0.061                   -             2.817            2.878             14.720             12.924            0.066                  -            3.110            3.176             16.100            1.380                      9.37             (0.388)            (2.35)
TOTAL LOAN PORTFOLIO (Net of IBL)        2,705.127      234.133          0.179       31.313           265.625        2,970.752          3,228.163         255.388             1.586         38.404        295.378        3,523.541        3,193.571        257.597            0.699        46.060        304.355        3,497.926        (25.615)                    (0.73)           527.174            17.75
NON-PERFORMING LOANS            117.031        14.166          0.112         3.547             17.825           134.856             114.802           13.481             0.514           3.235          17.230           132.032           118.946          13.496            0.662          4.251          18.408           137.354            5.322                      4.03               2.499              1.85
Total CCRs to TLP(%)                 4.38            0.10                -           71.76                 8.55                 4.75                   4.09               0.11                   -             71.00              9.33                 4.53                 4.12              0.12                  -            59.13              9.05                 4.55                      0.02            (0.21)
Non-Performing CCRs to total NPLs (%)               13.07            0.40                -           92.32               18.69               13.82                 12.50               0.49                   -             92.16            17.69               13.17               12.22              0.53                  -            77.01            18.17               13.02                    (0.16)            (0.80)
Non-Performing CCRs to TLP (%)                 0.57            0.02                -           10.46                 1.25                 0.63                   0.44               0.03                   -               7.76              1.03                 0.49                 0.46              0.03                  -              7.11              1.10                 0.51                      0.02            (0.12)
Non-Performing CCRs to total CCRs (%)               12.91          23.19                -           14.58               14.67               13.19                 10.87             23.27                   -             10.93            11.06               10.90               11.05            23.80                  -            12.02            12.15               11.24                      0.33            (1.95)
Loan Loss Reserves (CCRs) to Non-Performing CCRs               87.04          87.76                -           95.33               95.20               88.50                 82.54             92.82                   -             94.48            94.45               84.63               88.93            91.37                  -            95.01            94.94               90.05                        5.42                1.55
   
UNIVERSAL AND COMMERCIAL BANKS  
CREDIT CARD RECEIVABLES           118.384          0.243                -         22.469             22.712           141.096             131.760             0.284                   -           27.266          27.550           159.310           131.373            0.302                  -          27.232          27.534           158.907          (0.403)                    (0.25)             17.811            12.62
      PERFORMING           103.093          0.187                -         19.194             19.381           122.474             117.451             0.218                   -           24.285          24.503           141.953           116.889            0.230                  -          23.959          24.189           141.078          (0.875)                    (0.62)             18.604            15.19
      NON-PERFORMING             15.291          0.056                -           3.275               3.331             18.622               14.310             0.066                   -             2.981            3.047             17.357             14.483            0.072                  -            3.273            3.345             17.828            0.472                      2.72             (0.793)            (4.26)
       LOAN LOSS RESERVES             13.291          0.049                -           3.122               3.172             16.463               11.812             0.061                   -             2.817            2.878             14.690             12.894            0.066                  -            3.110            3.176             16.070            1.380                      9.39             (0.393)            (2.39)
TOTAL LOAN PORTFOLIO (Net of IBL)        2,590.549      234.133          0.179       31.304           265.616        2,856.166          3,098.024         255.388             1.586         38.394        295.368        3,393.392        3,058.522        257.597            0.699        46.050        304.345        3,362.867        (30.525)                    (0.90)           506.701            17.74
NON-PERFORMING LOANS            105.285        14.166          0.112         3.547             17.825           123.110             102.541           13.481             0.514           3.235          17.230           119.771           106.354          13.496            0.662          4.251          18.408           124.761            4.991                      4.17               1.651              1.34
Total CCRs to TLP(%)                 4.57            0.10                -           71.78                 8.55                 4.94                   4.25               0.11                   -             71.01              9.33                 4.69                 4.30              0.12                  -            59.14              9.05                 4.73                      0.03            (0.21)
Non-Performing CCRs to total NPLs (%)               14.52            0.40                -           92.32               18.69               15.13                 13.95               0.49                   -             92.16            17.68               14.49               13.62              0.53                  -            77.00            18.17               14.29                    (0.20)            (0.84)
Non-Performing CCRs to TLP (%)                 0.59            0.02                -           10.46                 1.25                 0.65                   0.46               0.03                   -               7.76              1.03                 0.51                 0.47              0.03                  -              7.11              1.10                 0.53                      0.02            (0.12)
Non-Performing CCRs to total CCRs (%)               12.92          23.19                -           14.57               14.67               13.20                 10.86             23.27                   -             10.93            11.06               10.89               11.02            23.80                  -            12.02            12.15               11.22                      0.32            (1.98)
Loan Loss Reserves (CCRs) to Non-Performing CCRs               86.92          87.76                -           95.35               95.22               88.41                 82.54             92.82                   -             94.50            94.46               84.64               89.03            91.37                  -            95.03            94.95               90.14                        5.50                1.73
   
THRIFT BANKS 1/  
CREDIT CARD RECEIVABLES               0.145                -                  -           0.001               0.001               0.146                 0.197                   -                     -             0.001            0.001               0.198               0.196                  -                    -            0.001            0.001               0.197          (0.001)                    (0.35)               0.051            35.32
      PERFORMING               0.137                -                  -           0.000               0.000               0.137                 0.160                   -                     -             0.000            0.000               0.161               0.146                  -                    -            0.001            0.001               0.147          (0.014)                    (8.53)               0.010              7.36
      NON-PERFORMING               0.008                -                  -           0.000               0.000               0.009                 0.037                   -                     -             0.000            0.000               0.037               0.050                  -                    -            0.000            0.000               0.050            0.013                    35.04               0.041          472.32
       LOAN LOSS RESERVES               0.025                -                  -                 -                       -                 0.025                 0.030                   -                     -                  -                    -                 0.030               0.030                  -                    -                  -                   -                 0.030          (0.000)                    (0.03)               0.005            20.35
TOTAL LOAN PORTFOLIO (Net of IBL)           114.578                -                  -           0.009               0.009           114.587             130.139                   -                     -             0.010            0.010           130.149           135.049                  -                    -            0.010            0.010           135.059            4.911                      3.77             20.473            17.87
NON-PERFORMING LOANS              11.745                -                  -           0.000               0.000             11.746               12.261                   -                     -             0.000            0.000             12.262             12.592                  -                    -            0.000            0.000             12.593            0.331                      2.70               0.847              7.21
Total CCRs to TLP(%)                 0.13                -                  -             9.60                 9.60                 0.13                   0.15                   -                     -               9.04              9.04                 0.15                 0.15                  -                    -            12.44            12.44                 0.15                    (0.01)              0.02
Non-Performing CCRs to total NPLs (%)                 0.07                -                  -         100.00             100.00                 0.07                   0.30                   -                     -           100.00          100.00                 0.30                 0.39                  -                    -          100.00          100.00                 0.40                      0.10              0.32
Non-Performing CCRs to TLP (%)                 0.01                -                  -             5.25                 5.25                 0.01                   0.03                   -                     -               4.77              4.77                 0.03                 0.04                  -                    -              4.54              4.54                 0.04                      0.01              0.03
Non-Performing CCRs to total CCRs (%)                 5.73                -                  -           54.71               54.71                 6.01                 18.62                   -                     -             52.79            52.79               18.77               25.36                  -                    -            36.51            36.51               25.43                      6.67            19.42
Loan Loss Reserves (CCRs) to Non-Performing CCRs             303.22                -                  -                 -                       -               287.21                 82.61                   -                     -                  -                    -                 81.58               60.95                  -                    -                  -                   -                 60.39                    (21.18)          (226.81)
1/ Exclusive of TB-Subsidiaries of U/KBs