38		PHILIPPINES: TOTAL LOANS (GROSS), LOAN LOSS PROVISIONS AND NON-PERFORMING LOANS 1
			BY TYPE OF UNIVERSAL AND COMMERCIAL BANKS
			in million pesos
					Total Loans						Non-Performing Loans 2						Loan Loss Provision						Ratios (NPL/Total Loans)
					Total	UBs	KBs	Gov't 3	FX  4		Total	UBs	KBs	Gov't 3	FX  4		Total	UBs	KBs	Gov't 3	FX  4		Total	UBs	KBs	Gov't 3	FX  4
									Banks						Banks						Banks						Banks
	1996				1,221,763	882,602	96,695	134,822	107,644		34,206	21,144	3,598	5,906	3,558		15,149	9,890	1,227	3,103	929		2.800	2.396	3.721	4.381	3.305
	1997				1,573,140	1,111,957	137,626	166,446	157,111		73,602	46,582	9,845	10,232	6,943		34,780	22,823	1,904	5,804	4,249		4.679	4.189	7.153	6.147	4.419
	1998				1,542,487	1,080,053	120,790	185,917	155,727		160,001	112,445	16,487	18,824	12,245		61,333	41,782	3,370	8,807	7,374		10.373	10.411	13.649	10.125	7.863
	1999				1,582,894	1,086,088	139,650	200,989	156,167		195,389	141,630	22,954	25,382	5,423		91,038	63,002	5,987	15,856	6,193		12.344	13.040	16.437	12.629	3.473
	2000				1,628,214	1,024,964	184,355	222,387	196,508		245,813	172,396	32,414	33,523	7,480		107,206	71,027	10,085	17,248	8,846		15.097	16.820	17.582	15.074	3.806
	2001				1,625,052	992,232	182,661	200,304	249,855		281,908	192,578	41,687	35,737	11,906		127,412	81,003	14,209	18,356	13,844		17.348	19.409	22.822	17.841	4.765
	2002				1,639,380	1,041,873	155,838	192,636	249,033		245,102	180,032	26,873	30,295	7,902		125,458	84,055	12,891	16,738	11,774		14.951	17.280	17.244	15.727	3.173
	2003				1,747,151	1,118,655	158,335	214,955	255,206		245,508	181,368	29,237	28,560	6,343		130,013	85,364	14,446	19,354	10,849		14.052	16.213	18.465	13.287	2.485
	2004		Dec		1,784,240	1,143,648	168,701	231,747	240,144		227,028	164,668	30,360	27,229	4,771		137,123	91,896	14,749	21,393	9,085		12.724	14.398	17.996	11.749	1.987
	2005
			Jan		1,805,443	1,110,489	176,461	252,484	266,009		226,434	163,578	30,419	27,472	4,965		138,036	92,476	14,462	21,543	9,555		12.542	14.730	17.238	10.881	1.866
			Feb		1,818,069	1,135,168	171,008	236,405	275,488		214,304	158,303	23,425	27,829	4,747		137,486	93,239	12,991	21,691	9,565		11.787	13.945	13.698	11.772	1.723
			Mar		1,833,131	1,144,354	177,018	228,080	283,679		207,189	158,726	25,167	18,442	4,854		133,975	86,840	13,090	24,517	9,528		11.302	13.870	14.217	8.086	1.711
			Apr		1,817,090	1,096,494	186,333	239,666	294,597		204,323	155,785	25,312	18,338	4,888		131,433	85,490	13,180	23,299	9,464		11.245	14.208	13.584	7.651	1.659
			May		1,867,036	1,148,177	191,139	247,744	279,976		204,350	156,604	25,883	18,107	3,756		131,209	86,575	12,397	23,432	8,805		10.945	13.639	13.541	7.309	1.342
			Jun		1,897,508	1,187,077	179,702	251,004	279,725		174,818	127,542	25,242	18,334	3,700		125,837	81,635	11,981	23,628	8,593		9.213	10.744	14.047	7.304	1.323
			Jul		1,834,251	1,117,558	173,846	253,460	289,387		174,977	128,146	24,927	18,474	3,430		127,173	82,868	12,384	23,716	8,205		9.539	11.467	14.339	7.289	1.185
			Aug		1,848,048	1,130,697	174,588	257,215	285,548		173,688	126,347	24,675	18,555	4,111		125,835	80,535	12,368	23,812	9,120		9.398	11.174	14.133	7.214	1.440
			Sep			1,118,809	172,543	253,265	263,009			122,251	25,422	19,178	3,774			81,066	12,983	23,909	8,944		#VALUE!	10.927	14.734	7.572	1.435
			Oct		1,786,197	1,114,358	170,753	261,029	240,057		172,347	123,824	25,450	19,024	4,049		126,938	81,474	12,707	23,579	9,178		9.649	11.112	14.905	7.288	1.687
			Nov			1,156,937	172,978	276,895	267,641			116,121	25,564	18,636	3,931			73,683	11,395	23,814	9,171		#VALUE!	10.037	14.779	6.730	1.469
	2005		Dec		1,872,743	1,194,177	168,629	269,304	240,633		153,675	113,179	18,061	18,624	3,811		119,076	75,924	10,881	23,067	9,204		8.206	9.478	10.710	6.916	1.584
	2006				0						0						0
			Jan		1,904,078	1,170,820	172,306	286,538	274,414		155,085	114,002	18,190	18,930	3,963		119,382	76,976	10,119	23,038	9,249		8.145	9.737	10.557	6.606	1.444
			Feb		1,912,941	1,160,455	172,772	292,767	286,947		153,462	112,986	17,628	18,857	3,991		120,571	77,852	10,177	23,046	9,496		8.022	9.736	10.203	6.441	1.391
			Mar		1,906,421	1,152,617	176,287	297,116	280,401		152,676	113,396	17,219	18,857	3,204		120,019	77,840	10,276	23,000	8,903		8.009	9.838	9.768	6.347	1.143
			Apr		1,867,502	1,098,129	179,201	300,981	289,191		150,962	112,101	17,036	18,498	3,327		118,229	75,745	10,335	23,113	9,036		8.084	10.208	9.507	6.146	1.150
			May		1,921,476	1,144,718	187,518	296,681	292,559		145,542	107,585	16,954	18,376	2,627		113,970	72,293	10,028	23,237	8,412		7.574	9.398	9.041	6.194	0.898
			Jun		1,890,565	1,123,898	192,119	285,429	289,119		136,529	98,645	16,608	18,527	2,749		110,544	68,391	10,266	23,265	8,622		7.222	8.777	8.645	6.491	0.951
			Jul		1,902,649	1,121,818	196,462	292,284	292,085		136,325	99,157	16,277	18,019	2,872		109,955	68,433	9,409	23,591	8,522		7.165	8.839	8.285	6.165	0.983
			Aug		1,907,101	1,178,795	159,653	288,932	279,721		137,397	101,438	15,269	17,847	2,843		111,185	70,906	8,186	23,565	8,528		7.204	8.605	9.564	6.177	1.016
			Sep		1,925,417	1,214,189	152,361	283,635	275,232		143,096	107,107	14,921	18,079	2,989		117,856	77,769	8,068	23,319	8,700		7.432	8.821	9.793	6.374	1.086
			Oct		1,986,069	1,235,523	168,134	293,463	288,949		142,200	106,301	15,709	17,717	2,473		112,932	73,103	8,140	23,223	8,466		7.160	8.604	9.343	6.037	0.856
			Nov		2,024,776	1,269,680	171,051	285,252	298,793		139,570	103,287	15,582	18,054	2,647		109,261	69,657	8,267	22,898	8,439		6.893	8.135	9.110	6.329	0.886
	2006		Dec		2,073,348	1,313,045	165,116	297,055	298,132		117,410	87,836	14,492	12,604	2,478		97,031	62,429	8,368	17,814	8,420		5.663	6.689	8.777	4.243	0.831
	2007				0						0						0
			Jan		2,075,832	1,296,258	157,013	299,210	323,351		115,262	87,668	12,953	12,421	2,220		91,931	59,072	6,823	17,850	8,186		5.553	6.763	8.250	4.151	0.687
			Feb		2,058,531	1,289,874	160,371	281,771	326,515		113,873	85,579	13,539	12,548	2,207		91,197	57,260	7,410	18,072	8,455		5.532	6.635	8.442	4.453	0.676
			Mar		2,060,381	1,281,438	184,047	287,754	307,142		108,695	78,691	15,411	12,309	2,284		88,305	53,076	8,913	17,812	8,504		5.275	6.141	8.373	4.278	0.744
			Apr		2,091,082	1,271,296	188,702	313,216	317,868		110,221	79,614	16,208	12,225	2,174		88,775	53,673	8,947	17,377	8,778		5.271	6.262	8.589	3.903	0.684
			May		2,007,541	1,236,764	170,605	295,927	304,245		106,991	76,226	16,086	11,865	2,814		88,521	52,773	9,025	17,593	9,130		5.329	6.163	9.429	4.009	0.925
			Jun		2,003,757	1,260,550	167,617	282,255	293,335		104,372	74,535	14,644	12,193	3,000		108,977	74,535	7,620	17,549	9,273		5.209	5.913	8.737	4.320	1.023
			Jul		1,974,122	1,222,671	146,782	299,753	304,916		102,358	72,672	14,213	12,500	2,973		87,301	52,501	7,821	17,316	9,663		5.185	5.944	9.683	4.170	0.975
			Aug		1,953,734	1,217,288	143,362	295,216	297,868		103,248	73,848	13,861	12,453	3,086		88,912	54,529	7,768	17,351	9,264		5.285	6.067	9.669	4.218	1.036
			Sep		2,000,362	1,269,684	147,744	287,168	295,766		103,852	74,490	13,685	12,579	3,098		92,109	56,536	7,723	18,377	9,473		5.192	5.867	9.263	4.380	1.047
			Oct		1,982,828	1,258,092	149,116	273,660	301,960		105,117	75,658	13,579	12,644	3,236		92,812	55,591	9,255	18,590	9,376		5.301	6.014	9.106	4.620	1.072
			Nov		2,107,922	1,294,508	176,854	338,154	298,406		105,281	74,290	14,959	12,624	3,408		93,196	55,614	9,289	18,770	9,523		4.995	5.739	8.458	3.733	1.142
	2007		Dec		2,194,780	1,413,800	162,490	305,258	313,232		97,634	71,747	12,129	10,910	2,848		91,123	56,518	7,760	17,195	9,650		4.448	5.075	7.464	3.574	0.909
	2008
			Jan		2,092,568	1,289,921	147,711	359,947	294,989		97,183	71,595	12,182	10,972	2,434		89,770	55,787	7,762	17,236	8,985		4.644	5.550	8.247	3.048	0.825
			Feb		2,079,074	1,287,202	151,620	316,964	323,288		97,326	72,739	12,079	10,201	2,307		90,427	56,445	7,647	17,209	9,126		4.681	5.651	7.967	3.218	0.714
			Mar		2,131,390	1,296,044	173,517	337,435	324,394		96,432	71,298	12,702	10,110	2,322		89,962	55,487	7,546	17,591	9,338		4.524	5.501	7.320	2.996	0.716
			Apr		2,233,391	1,334,155	169,520	370,221	359,495		95,488	70,880	12,091	10,261	2,256		90,468	56,091	7,578	17,653	9,146		4.275	5.313	7.132	2.772	0.628
			May		2,304,858	1,395,573	173,849	346,345	389,091		96,070	71,593	11,571	10,106	2,800		91,170	56,712	7,595	17,655	9,208		4.168	5.130	6.656	2.918	0.720
			Jun		2,345,276	1,422,215	165,305	380,585	377,171		94,057	69,377	11,607	9,036	4,037		90,918	56,443	7,603	16,901	9,971		4.010	4.878	7.022	2.374	1.070
			Jul		2,318,093	1,423,309	172,456	325,604	396,724		92,654	68,290	11,207	9,335	3,822		90,666	56,346	7,701	16,706	9,913		3.997	4.798	6.498	2.867	0.963
			Aug		2,350,437	1,445,986	164,234	307,985	432,232		91,669	66,129	11,588	9,391	4,561		90,458	55,436	7,948	16,602	10,472		3.900	4.573	7.056	3.049	1.055
			Sep		2,327,761	1,487,553	158,531	279,530	402,147		93,825	68,675	12,019	9,037	4,094		89,039	54,592	7,848	16,122	10,477		4.031	4.617	7.581	3.233	1.018
			Oct		2,357,565	1,499,885	157,764	302,802	397,114		93,383	67,756	11,868	9,017	4,742		88,861	54,729	8,041	16,095	9,996		3.961	4.517	7.523	2.978	1.194
			Nov		2,469,542	1,592,857	171,143	333,802	371,740		92,677	66,425	12,227	8,801	5,224		87,985	54,397	8,061	15,944	9,583		3.753	4.170	7.144	2.637	1.405
			Dec		2,502,332	1,619,689	180,926	361,894	339,823		88,191	63,537	11,391	8,202	5,061		88,201	54,865	7,806	15,397	10,133		3.524	3.923	6.296	2.266	1.489
	2009	p
			Jan		2,379,452	1,514,214	161,550	361,263	342,425		90,836	65,143	12,147	8,445	5,101		87,948	53,635	7,883	15,809	10,621		3.818	4.302	7.519	2.338	1.490
			Feb		2,408,354	1,536,553	157,362	352,541	361,898		89,762	63,274	12,757	8,872	4,859		86,435	52,047	7,933	15,969	10,486		3.727	4.118	8.107	2.517	1.343
			Mar		2,486,524	1,622,633	165,515	336,115	362,261		88,577	62,533	12,914	8,848	4,282		87,956	52,563	8,822	16,148	10,423		3.562	3.854	7.802	2.632	1.182
			Apr		2,375,998	1,538,583	156,714	329,507	351,194		86,776	61,501	12,383	8,739	4,153		86,474	51,506	8,299	16,378	10,291		3.652	3.997	7.902	2.652	1.183
			May	r	2,419,277	1,537,346	154,115	356,998	370,818		89,247	60,686	12,683	11,632	4,246		85,818	50,887	8,403	16,576	9,952		3.689	3.947	8.230	3.258	1.145
			Jun		2,518,337	1,671,657	167,972	320,133	358,575		84,622	59,742	12,075	8,536	4,269		86,597	51,799	8,237	16,603	9,958		3.360	3.574	7.189	2.666	1.191
			Jul		2,376,211	1,553,485	158,707	321,430	342,589		82,883	58,777	11,780	8,014	4,312		87,013	52,521	8,182	16,560	9,750		3.488	3.784	7.422	2.493	1.259
			Aug		2,397,771	1,583,908	156,894	314,455	342,514		83,844	59,215	12,504	8,043	4,082		88,297	53,966	8,209	16,475	9,647		3.497	3.739	7.970	2.558	1.192
			Sep		2,505,856	1,647,845	179,065	337,234	341,712		81,415	57,131	12,329	8,040	3,915		90,592	55,157	9,425	16,428	9,582		3.249	3.467	6.885	2.384	1.146
			Oct		2,534,025	1,660,766	178,068	330,178	365,013		85,329	59,869	13,381	8,202	3,877		90,765	55,691	9,084	16,472	9,518		3.367	3.605	7.515	2.484	1.062
			Nov		2,614,594	1,722,371	186,231	344,553	361,439		85,168	59,082	13,485	8,273	4,328		93,489	56,219	10,734	16,770	9,766		3.257	3.430	7.241	2.401	1.197
			Dec		2,724,870	1,817,847	186,981	351,596	368,446		80,912	56,331	12,277	8,252	4,052		90,898	55,877	9,802	15,498	9,721		2.969	3.099	6.566	2.347	1.100
	2010	p
			Jan		2,582,643	1,690,755	172,391	354,440	365,057		83,212	57,697	12,244	8,386	4,885		92,114	57,317	9,837	15,368	9,592		3.222	3.412	7.102	2.366	1.338
			Feb		2,584,666	1,707,809	166,332	342,421	368,104		82,279	57,118	12,618	8,732	3,811		91,740	57,719	9,676	15,277	9,068		3.183	3.345	7.586	2.550	1.035
			Mar		2,532,352	1,693,582	173,459	334,166	331,145		83,062	57,297	12,743	9,330	3,692		93,662	59,397	10,230	15,475	8,560		3.280	3.383	7.346	2.792	1.115
			Apr		2,551,790	1,719,561	166,751	321,654	343,824		86,778	59,898	12,737	10,231	3,912		94,349	60,270	9,832	15,449	8,798		3.401	3.483	7.638	3.181	1.138
			May		2,571,480	1,737,224	168,496	327,605	338,155		86,622	60,047	13,193	9,643	3,739		95,262	61,362	10,088	14,858	8,954		3.369	3.456	7.830	2.943	1.106
	1		Includes transactions of local banks' foreign offices but excludes banks under liquidation.
	2		Without Orient Bank.
	2		Starting Sept. 2002,for supervisory purposes, computation of NPL was based on BSP Circular No. 351 which defines total loans as gross of allowance for probabale losses and
			interbank loans less loans classified as loss.
	3		Consists of Land Bank, DBP and Al-Amanah Islamic Bank.
	4		Consists of 14 foreign banks, excludes 4 foreign banks' subsidiaries.
	p		Preliminary.
	r		Revised
			Source :  SDC, BSP
			8/9/2010 9:49