14  OUTSTANDING LOANS (classified by economic activity)                  
            Universal and Commercial Banking System                         
           as of periods indicated                        
           in billion pesos                        
 ACCOUNTS Jan-06 Feb-06 Mar-06 Apr-06 May-06 Jun-06 Jul-06 Aug-06 Sep-06 Oct-06 Nov-06 Dec-06
CLASSIFIED BY ECONOMIC ACTIVITY                        
A. LEVELS                        
     Agriculture, Hunting & Forestry        86.689        85.618         84.804          89.766        88.466        87.744        86.187        85.669        85.904        86.369        89.835        91.550
     Fishery          6.008          5.804           5.765            5.800          5.730          5.855          5.819          5.751          6.149          5.843          5.994          5.774
     Mining and Quarrying        11.304        11.998         11.791          12.407        12.427        10.983        11.242        10.519        10.618        10.988          9.477          9.682
     Manufacturing      383.042      376.992       379.846        388.602      378.957      389.229      382.145      386.108      373.246      390.907      390.242      377.193
     Electricity, Gas & Water        66.667        71.168         69.040          70.839        73.288        72.125        71.743        75.012        68.742        69.852        76.690        72.321
     Construction        25.117        24.823         24.695          24.021        24.447        24.080        23.702        23.467        24.136        23.966        25.243        25.449
     Wholesale & Retail Trade, Repair of Motor Vehicles      198.220      197.591       188.224        187.694      197.199      199.496      200.341      197.030      193.045      204.904      206.541      223.415
     Transportation, Storage & Communication        72.489        71.975         72.733          72.607        73.281        72.933        73.286        71.522        68.693        70.755        72.811        75.717
     Financial Intermediation (inclusive of IBL)      614.351      622.290       628.136        573.888      620.676      577.929      585.871      600.562      640.052      658.582      678.716      719.053
     Real Estate, Renting & Business Activities      208.104      208.694       209.573        212.873      213.616      222.128      219.380      220.091      219.694      220.524      222.602      219.181
     Public Adm. & Defense: Compulsory Social Securities        32.145        33.654         31.989          32.549        34.017        37.214        43.941        37.476        40.829        36.134        38.570        41.586
     Education          9.885        10.129         10.312          10.278        10.310        10.272        10.177          9.894          9.717        10.119          9.753          9.526
     Health and Social Work          6.684          6.626           6.433            6.521          6.354          6.079          6.602          6.529          6.833          6.616          6.727          6.718
     Other Community, Social & Personal Serv. Act.      133.657      136.193       131.977        130.728      132.898      128.787      135.399      129.553      124.502      138.346      141.632      144.684
     Private Households w/ Employed Persons        49.469        49.788         50.574          51.295        53.347        54.339        55.209        55.242        56.654        58.871        57.731        59.239
     Others        13.247        13.026         12.873          12.435        12.153        12.033        12.455        12.686        12.032        12.378        12.677        12.698
     GRAND TOTAL   1,917.078   1,926.369    1,918.766     1,882.303   1,937.166   1,911.225   1,923.499   1,927.112   1,940.846   2,005.154   2,045.242   2,093.787
                           
B. PERCENTAGE DISTRIBUTION                        
     Agriculture, Hunting & Forestry              4.5              4.4               4.4                4.8              4.6              4.6              4.5              4.4              4.4              4.3              4.4              4.4
     Fishery              0.3              0.3               0.3                0.3              0.3              0.3              0.3              0.3              0.3              0.3              0.3              0.3
     Mining and Quarrying              0.6              0.6               0.6                0.7              0.6              0.6              0.6              0.5              0.5              0.5              0.5              0.5
     Manufacturing            20.0            19.6             19.8              20.6            19.6            20.4            19.9            20.0            19.2            19.5            19.1            18.0
     Electricity, Gas & Water              3.5              3.7               3.6                3.8              3.8              3.8              3.7              3.9              3.5              3.5              3.7              3.5
     Construction              1.3              1.3               1.3                1.3              1.3              1.3              1.2              1.2              1.2              1.2              1.2              1.2
     Wholesale & Retail Trade, Repair of Motor Vehicles            10.3            10.3               9.8              10.0            10.2            10.4            10.4            10.2              9.9            10.2            10.1            10.7
     Transportation, Storage & Communication              3.8              3.7               3.8                3.9              3.8              3.8              3.8              3.7              3.5              3.5              3.6              3.6
     Financial Intermediation (inclusive of IBL)            32.0            32.3             32.7              30.5            32.0            30.2            30.5            31.2            33.0            32.8            33.2            34.3
     Real Estate, Renting & Business Activities            10.9            10.8             10.9              11.3            11.0            11.6            11.4            11.4            11.3            11.0            10.9            10.5
     Public Adm. & Defense: Compulsory Social Securities              1.7              1.7               1.7                1.7              1.8              1.9              2.3              1.9              2.1              1.8              1.9              2.0
     Education              0.5              0.5               0.5                0.5              0.5              0.5              0.5              0.5              0.5              0.5              0.5              0.5
     Health and Social Work              0.3              0.3               0.3                0.3              0.3              0.3              0.3              0.3              0.4              0.3              0.3              0.3
     Other Community, Social & Personal Serv. Act.              7.0              7.1               6.9                6.9              6.9              6.7              7.0              6.7              6.4              6.9              6.9              6.9
     Private Households w/ Employed Persons              2.6              2.6               2.6                2.7              2.8              2.8              2.9              2.9              2.9              2.9              2.8              2.8
     Others              0.7              0.7               0.7                0.7              0.6              0.6              0.6              0.7              0.6              0.6              0.6              0.6
     GRAND TOTAL 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0 100.0
                           
C. ANNUAL GROWTH RATES                        
     Agriculture, Hunting & Forestry            8.10            8.53            (3.23)              9.08            5.40            1.46          (0.01)            0.40          (1.99)          (4.67)          (0.93)            3.18
     Fishery          (9.30)            0.43            (6.33)            (7.04)          (8.06)          (1.11)          (6.03)          (2.86)            3.89          (3.67)            1.88          (3.19)
     Mining and Quarrying        (10.60)          (1.47)             0.69              2.78            2.06          (2.27)            0.07            6.76            4.54            7.98          (8.03)        (14.97)
     Manufacturing          (8.19)          (9.23)            (6.16)            (2.58)        (11.04)          (9.39)          (7.97)          (8.51)          (9.34)          (4.53)          (8.29)          (8.77)
     Electricity, Gas & Water          (7.47)            2.30            (2.60)              0.45          (0.90)          (5.69)          (7.20)            1.45          (6.24)          (2.57)            5.20            3.13
     Construction        (15.94)        (28.08)          (29.11)          (33.73)        (27.32)        (13.60)        (15.76)        (15.15)        (12.44)          (8.90)          (6.03)          (2.13)
     Wholesale & Retail Trade, Repair of Motor Vehicles          (4.98)          (3.91)            (8.55)          (13.01)          (4.90)          (5.46)          (1.58)          (4.94)          (2.54)            2.14          (0.17)          10.63
     Transportation, Storage & Communication          (3.51)          (1.31)            (5.49)            (9.30)          (4.33)          (4.86)          (4.44)          (8.93)            2.06          (3.42)            3.26            9.47
     Financial Intermediation (inclusive of IBL)          28.55          25.97           21.63            15.95          17.92            4.01          17.20          18.65          31.46          40.37          26.09          28.65
     Real Estate, Renting & Business Activities          (0.17)            5.39             7.58            10.05            9.44          13.67            7.95            6.99            3.84            8.24          12.24            9.48
     Public Adm. & Defense: Compulsory Social Securities            8.76        (12.96)          (15.56)          (14.48)        (13.39)          (3.66)          12.86          16.63          22.03          13.83          22.35          28.62
     Education            1.73            7.51             6.68              5.19          16.19            5.85            3.79          12.92          12.78          15.12          12.62            2.78
     Health and Social Work        (11.77)        (14.27)          (18.34)          (18.24)        (12.01)        (22.25)        (14.93)        (14.64)          (9.29)            2.81            5.74            5.00
     Other Community, Social & Personal Serv. Act.            1.08          (0.97)             3.25              1.40            4.82          (1.39)            1.95          (6.23)          (8.34)            3.71          (1.61)            7.04
     Private Households w/ Employed Persons          53.90          52.52  142,523.01   329,391.41          53.44          59.03          54.06          49.27          44.27          44.09          37.07          34.22
     Others        (22.27)        (22.51)          (74.18)          (75.84)        (29.69)        (15.07)        (12.02)          (3.75)          (8.26)          (9.97)          (4.50)          (0.57)
     GRAND TOTAL 5.51 5.29 4.10 3.04 3.28 (0.01) 4.15 3.65 6.76 11.64 8.10 11.02