48		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
	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		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		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		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
			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		2,375,632	1,538,583	156,348	329,507	351,194		86,410	61,502	12,016	8,739	4,153		86,108	51,506	7,933	16,378	10,291		3.637	3.997	7.685	2.652	1.183
			May		2,419,278	1,537,347	154,115	356,998	370,818		89,248	60,687	12,683	11,632	4,246		85,819	50,888	8,403	16,576	9,952		3.689	3.948	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		2,530,673	1,691,902	173,460	334,166	331,145		81,382	55,617	12,743	9,330	3,692		91,982	57,717	10,230	15,475	8,560		3.216	3.287	7.346	2.792	1.115
			Apr		2,550,110	1,717,881	166,751	321,654	343,824		85,098	58,218	12,737	10,231	3,912		92,669	58,591	9,832	15,449	8,797		3.337	3.389	7.638	3.181	1.138
			May		2,569,800	1,735,544	168,496	327,605	338,155		84,942	58,367	13,193	9,643	3,739		93,582	59,682	10,088	14,858	8,954		3.305	3.363	7.830	2.943	1.106
			Jun		2,680,220	1,827,582	175,750	327,309	349,579		85,988	58,575	13,539	10,184	3,690		93,715	60,080	10,065	14,868	8,702		3.208	3.205	7.704	3.111	1.056
			Jul	r	2,543,903	1,721,531	169,410	323,356	329,606		84,045	56,593	13,688	10,187	3,577		94,613	60,841	10,347	14,838	8,587		3.304	3.287	8.080	3.150	1.085
			Aug		2,616,218	1,794,365	178,198	311,860	331,795		84,910	57,868	13,426	10,179	3,437		97,240	63,491	10,445	14,785	8,519		3.246	3.225	7.534	3.264	1.036
			Sep		2,670,315	1,819,339	191,285	320,344	339,347		83,141	57,539	12,453	10,276	2,873		97,379	63,834	10,450	14,690	8,405		3.114	3.163	6.510	3.208	0.847
			Oct		2,604,055	1,739,960	171,527	316,412	376,156		83,349	56,844	13,265	10,177	3,063		97,644	63,833	10,786	14,695	8,330		3.201	3.267	7.733	3.216	0.814
			Nov		2,711,779	1,805,765	179,859	325,451	400,704		83,330	56,621	12,735	10,873	3,101		97,108	63,637	10,671	14,644	8,156		3.073	3.136	7.081	3.341	0.774
			Dec		2,802,294	1,855,929	200,088	341,733	404,544		80,799	55,180	12,304	10,312	3,003		95,623	62,619	10,481	14,326	8,197		2.883	2.973	6.149	3.018	0.742
	2011	p
			Jan		2,706,528	1,807,592	176,274	331,965	390,697		81,382	56,272	11,595	10,615	2,900		95,597	63,765	9,448	14,354	8,030		3.007	3.113	6.578	3.198	0.742
			Feb		2,787,162	1,831,290	177,423	371,987	406,462		81,785	55,638	12,049	11,218	2,880		97,792	63,833	10,361	15,573	8,025		2.934	3.038	6.791	3.016	0.709
			Mar		2,759,608	1,818,767	178,176	367,454	395,211		82,410	55,904	12,346	11,384	2,776		99,197	65,248	10,344	15,555	8,050		2.986	3.074	6.929	3.098	0.702
			Apr		2,830,503	1,848,502	180,870	371,548	429,583		83,438	56,461	12,883	11,360	2,734		101,010	65,889	11,540	15,578	8,003		2.948	3.054	7.123	3.057	0.636
			May		2,929,032	1,929,172	190,343	375,920	433,597		81,911	54,684	13,082	11,707	2,438		101,002	65,921	11,358	15,770	7,953		2.797	2.835	6.873	3.114	0.562
			Jun		3,030,301	2,021,156	201,054	410,544	397,547		74,143	46,711	13,018	11,950	2,464		93,548	59,175	10,143	16,181	8,049		2.447	2.311	6.475	2.911	0.620
			Jul		2,979,544	1,941,021	193,383	396,444	448,696		73,049	46,496	11,758	12,168	2,627		92,218	59,509	8,337	16,153	8,219		2.452	2.395	6.080	3.069	0.585
	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