TOTAL LOANS (GROSS), LOAN LOSS PROVISIONS AND NON-PERFORMING LOANS BY TYPE OF COMMERCIAL BANKS
	1996 to 2002
	in million pesos
			Total Loans						Non-Performing Loans						Loan Loss Provision						Ratios (NPL/Total Loans)
			Total	EKBs 1/	NEKBs 2/	Gov't 3/	FX  4/		Total	EKBs 1/	NEKBs 2/	Govt 3/	FX  4/		Total	EKBs 1/	NEKBs 2/	Govt 3/	FX  4/		Total	EKBs 1/	NEKBs 2/	Govt 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
		January	1,512,969	1,031,360	139,530	199,659	142,420		203,177	146,458	24,054	26,725	5,940		94,044	65,822	6,081	16,079	6,062		13.429	14.200	17.239	13.385	4.171
		February	1,509,492	1,034,004	136,138	196,807	142,543		208,233	151,701	23,671	27,488	5,373		92,927	64,978	6,095	15,750	6,104		13.795	14.671	17.388	13.967	3.769
		March	1,529,103	1,047,332	136,316	200,310	145,145		215,067	157,173	23,876	27,995	6,023		94,652	65,697	6,085	16,242	6,628		14.065	15.007	17.515	13.976	4.150
		April	1,505,658	1,003,252	151,454	201,669	149,283		217,783	157,965	26,563	27,433	5,822		95,206	64,467	7,680	16,371	6,688		14.464	15.745	17.539	13.603	3.900
		May	1,516,312	988,417	165,503	208,253	154,139		217,918	153,987	30,108	27,842	5,981		96,075	62,753	9,587	16,741	6,994		14.372	15.579	18.192	13.369	3.880
		June	1,505,104	977,162	170,619	206,177	151,146		220,425	154,318	30,565	29,846	5,696		101,190	67,291	9,619	17,141	7,139		14.645	15.792	17.914	14.476	3.769
		July	1,525,855	983,764	172,308	212,863	156,920		232,850	163,292	32,515	31,193	5,850		101,660	67,733	9,628	17,078	7,221		15.260	16.599	18.870	14.654	3.728
		August	1,553,402	1,003,988	171,930	221,813	155,671		237,806	164,686	33,210	33,236	6,674		104,658	70,047	9,669	17,670	7,272		15.309	16.403	19.316	14.984	4.287
		September	1,567,712	1,011,562	171,520	216,167	168,463		246,650	173,502	31,667	34,592	6,889		104,466	69,957	9,651	17,503	7,355		15.733	17.152	18.463	16.002	4.089
		October	1,631,093	1,048,502	176,968	211,778	193,845		253,738	179,477	32,063	34,865	7,333		105,530	70,294	9,745	17,116	8,375		15.556	17.117	18.118	16.463	3.783
		November	1,587,875	996,193	176,719	225,307	189,656		258,239	181,899	33,444	35,532	7,364		105,829	69,997	9,751	17,410	8,671		16.263	18.259	18.925	15.770	3.883
		December	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
		January	1,581,562	983,912	184,914	221,633	191,103		253,098	177,743	33,543	34,831	6,981		108,082	71,265	10,162	17,836	8,819		16.003	18.065	18.140	15.716	3.653
		February	1,549,128	957,739	180,678	211,651	199,060		257,492	181,919	33,329	35,316	6,928		109,403	71,881	10,685	18,182	8,655		16.622	18.995	18.447	16.686	3.480
		March	1,553,085	972,052	179,287	206,286	195,460		257,741	179,162	34,475	36,807	7,297		109,923	72,035	10,948	18,039	8,901		16.595	18.431	19.229	17.843	3.733
		April	1,575,917	970,715	179,092	217,739	208,371		264,174	183,059	35,341	38,222	7,552		112,817	72,819	12,068	18,415	9,515		16.763	18.858	19.733	17.554	3.624
		May	1,576,112	933,851	183,256	213,873	245,132		264,961	178,472	36,535	37,468	12,486		117,016	71,545	13,863	18,578	13,030		16.811	19.111	19.937	17.519	5.094
		June	1,575,233	929,296	181,771	210,601	253,565		267,116	180,928	37,731	36,085	12,372		120,210	75,498	14,050	17,598	13,064		16.957	19.469	20.757	17.134	4.879
		July	1,571,194	934,092	180,165	201,361	255,576		278,390	189,380	38,804	38,554	11,652		121,157	76,271	13,809	17,896	13,181		17.718	20.274	21.538	19.147	4.559
		August	1,557,891	922,555	178,264	207,964	249,108		280,869	190,723	39,634	38,639	11,873		122,518	77,359	13,707	18,118	13,334		18.029	20.673	22.233	18.580	4.766
		September	1,572,600	936,288	176,345	204,762	255,205		281,826	193,251	37,998	38,318	12,259		122,578	77,170	13,422	18,407	13,579		17.921	20.640	21.548	18.713	4.804
		October	1,549,110	934,829	176,965	196,772	240,544		291,380	200,618	39,822	38,511	12,429		122,850	76,846	13,512	18,774	13,718		18.810	21.460	22.503	19.571	5.167
		November	1,566,732	946,092	177,459	203,507	239,674		293,975	202,748	40,084	38,845	12,298		124,995	77,456	14,114	19,439	13,986		18.764	21.430	22.588	19.088	5.131
		December	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
		January	1,584,913	951,932	171,161	222,789	239,031		290,015	200,610	39,871	37,144	12,390		126,645	81,366	13,093	18,586	13,600		18.298	21.074	23.294	16.672	5.183
		February	1,606,267	960,100	192,161	211,427	242,579		295,568	205,533	40,696	38,129	11,210		130,584	81,761	16,110	19,116	13,597		18.401	21.407	21.178	18.034	4.621
		March	1,632,680	982,817	188,649	210,538	250,676		293,829	204,511	40,237	38,014	11,067		130,899	82,372	16,182	19,031	13,314		17.997	20.809	21.329	18.056	4.415
		April	1,652,577	988,646	190,049	206,861	267,021		301,286	211,319	40,667	38,587	10,713		132,370	82,804	16,306	19,933	13,327		18.231	21.375	21.398	18.654	4.012
		May	1,657,040	992,668	192,263	206,949	265,160		305,460	214,460	41,323	39,443	10,234		135,709	85,951	16,434	20,087	13,237		18.434	21.604	21.493	19.059	3.860
		June	1,600,126	967,478	187,245	194,750	250,653		288,970	191,011	48,895	38,333	10,731		136,750	86,240	16,477	20,626	13,407		18.059	19.743	26.113	19.683	4.281
		July	1,610,189	963,004	182,153	198,786	266,246		285,794	191,169	44,672	39,150	10,803		137,675	86,957	15,918	21,244	13,556		17.749	19.851	24.524	19.695	4.058
		August	1,596,111	958,560	182,611	196,674	258,266		280,620	189,989	42,094	37,796	10,741		138,328	87,322	16,025	21,343	13,638		17.581	19.820	23.051	19.218	4.159
		September	1,623,876	990,905	183,294	195,796	253,881		267,413	188,170	38,749	33,411	7,083		128,873	86,006	15,298	17,071	10,498		16.468	18.990	21.140	17.064	2.790
		October
		November
		December
	Expanded  Commercial Banks (EKBs)  includes ING Bank  (foreign bank) and  excludes LBP, and DBP.
	Non-Expanded Commercial Banks  (NEKBs)  excludes Orient Bank.
	Consists of Land Bank, DBP and Al-Amanah Islamic Bank
	Consists of 13 foreign banks, excludes 3 foreign banks' subsidiaries.
	Based partly on the new definition of NPL under Circular 202.
	Starting May 2001, three EKB banks (Std. Chartered, HSBC and ING) were classified as foreign banks.
	Source:  Bangko Sentral ng Pilipinas