14  OUTSTANDING LOANS (classified by economic activity)                  
            Universal and Commercial Banking System                         
           as of periods indicated                        
           in billion pesos                        
 ACCOUNTS Jan-07 Feb-07 Mar-07 Apr-07 May-07 Jun-07 Jul-07 Aug-07 Sep-07 Oct-07 Nov-07 Dec-07
CLASSIFIED BY ECONOMIC ACTIVITY  
A. LEVELS  
     Agriculture, Hunting & Forestry        92.524        88.598         84.652        87.655        89.003        90.030        87.509        87.191        84.344        82.521        83.228        84.774
     Fishery          5.723          5.755           5.751          6.348          6.539          6.578          6.659          6.559          6.551          6.552          6.584          6.889
     Mining and Quarrying          9.176          9.381           8.997        10.106        10.836          9.618          9.892          9.616          9.658        12.291          9.524        10.341
     Manufacturing      386.732      370.784       367.001      357.927      355.166      365.047      368.890      369.389      373.314      377.461      375.969      375.644
     Electricity, Gas & Water        71.553        67.871         71.709        73.764        70.587        69.156        69.860        68.609        65.876        75.390      113.445      122.581
     Construction        25.057        24.767         23.757        24.235        24.455        26.460        26.639        27.218        27.513        28.059        27.945        25.344
     Wholesale & Retail Trade, Repair of Motor Vehicles      207.320      199.654       203.235      213.043      205.923      200.747      197.604      205.415      202.681      221.812      225.372      225.644
     Transportation, Storage & Communication        70.750        71.767         81.861        83.050        80.707        81.124        81.547        82.142        87.126        92.308        92.721        87.732
     Financial Intermediation (inclusive of IBL)      756.058      767.290       753.526      755.432      700.849      690.096      657.965      629.420      670.866      603.058      686.764      733.013
     Real Estate, Renting & Business Activities      208.556      203.375       198.248      214.108      205.689      210.760      211.303      206.500      208.405      204.275      205.403      217.656
     Public Adm. & Defense: Compulsory Social Securities        38.749        43.666         46.540        42.679        36.837        36.267        38.016        37.399        37.863        37.563        35.602        37.837
     Education          9.460          9.688           9.363          9.556          9.182          9.202          9.008          9.160          9.080          9.228          9.514          9.359
     Health and Social Work          7.079          7.243           7.016          6.802          6.594          6.366          6.223          6.504          6.445          6.493          6.587          7.084
     Other Community, Social & Personal Serv. Act.      109.809      110.253       110.601      115.131      110.936      108.246      108.174      106.906      104.148      116.120      117.502      127.723
     Private Households w/ Employed Persons        88.484        89.223         94.161        97.034      103.366      101.021      101.695      106.594      108.209      111.289      113.436      117.532
     Others        13.265        13.535         13.490        13.704        13.295        13.476        13.424        13.422        13.376        13.464        13.325        14.581
     GRAND TOTAL   2,100.296   2,082.851    2,079.907   2,110.573   2,029.963   2,024.196   1,994.409   1,972.044   2,015.453   1,997.884   2,122.921   2,203.733
                           
B. PERCENTAGE DISTRIBUTION                        
     Agriculture, Hunting & Forestry              4.4              4.2               4.0              4.2              4.2              4.3              4.2              4.2              4.0              3.9              4.0              4.0
     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              0.4              0.4               0.4              0.5              0.5              0.5              0.5              0.5              0.5              0.6              0.5              0.5
     Manufacturing            18.4            17.7             17.5            17.0            16.9            17.4            17.6            17.6            17.8            18.0            17.9            17.9
     Electricity, Gas & Water              3.4              3.2               3.4              3.5              3.4              3.3              3.3              3.3              3.1              3.6              5.4              5.8
     Construction              1.2              1.2               1.1              1.2              1.2              1.3              1.3              1.3              1.3              1.3              1.3              1.2
     Wholesale & Retail Trade, Repair of Motor Vehicles              9.9              9.5               9.7            10.1              9.8              9.6              9.4              9.8              9.7            10.6            10.7            10.7
     Transportation, Storage & Communication              3.4              3.4               3.9              4.0              3.8              3.9              3.9              3.9              4.1              4.4              4.4              4.2
     Financial Intermediation (inclusive of IBL)            36.0            36.5             35.9            36.0            33.4            32.9            31.3            30.0            31.9            28.7            32.7            34.9
     Real Estate, Renting & Business Activities              9.9              9.7               9.4            10.2              9.8            10.0            10.1              9.8              9.9              9.7              9.8            10.4
     Public Adm. & Defense: Compulsory Social Securities              1.8              2.1               2.2              2.0              1.8              1.7              1.8              1.8              1.8              1.8              1.7              1.8
     Education              0.5              0.5               0.4              0.5              0.4              0.4              0.4              0.4              0.4              0.4              0.5              0.4
     Health and Social Work              0.3              0.3               0.3              0.3              0.3              0.3              0.3              0.3              0.3              0.3              0.3              0.3
     Other Community, Social & Personal Serv. Act.              5.2              5.2               5.3              5.5              5.3              5.2              5.2              5.1              5.0              5.5              5.6              6.1
     Private Households w/ Employed Persons              4.2              4.2               4.5              4.6              4.9              4.8              4.8              5.1              5.2              5.3              5.4              5.6
     Others              0.6              0.6               0.6              0.7              0.6              0.6              0.6              0.6              0.6              0.6              0.6              0.7
     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              6.7              3.5             (0.2)             (2.4)              1.2              2.6              2.3              1.8             (1.8)             (4.5)             (7.4)             (7.4)
     Fishery             (4.7)             (0.8)             (0.2)              9.4            13.4            12.4            16.3            14.1              6.5            12.1              9.8            19.3
     Mining and Quarrying           (18.8)           (21.8)           (23.7)           (18.5)           (13.8)           (12.4)           (11.1)             (8.6)             (9.0)            11.9              0.5              6.8
     Manufacturing              1.0             (1.6)             (3.4)             (7.9)             (4.2)             (6.2)             (3.4)             (4.3)              0.0             (3.4)             (3.7)             (0.4)
     Electricity, Gas & Water              7.3             (4.6)               3.9              4.1             (0.2)             (4.1)             (0.4)             (8.5)             (4.2)              7.9            47.9            62.3
     Construction             (0.2)             (0.2)             (3.8)              0.9              2.5              9.9            13.4            16.0            14.0            17.1            10.7             (0.4)
     Wholesale & Retail Trade, Repair of Motor Vehicles              4.6              1.0               8.0            13.5              4.3              0.6             (1.6)              4.3              5.0              8.3              9.1              0.9
     Transportation, Storage & Communication             (2.4)             (0.3)             12.6            14.4            12.8            11.2            14.9            14.8            26.8            30.5            27.3            16.6
     Financial Intermediation (inclusive of IBL)            23.1            23.3             20.0            31.6              9.6            19.4            15.0              4.8              4.8             (8.4)              1.2              2.0
     Real Estate, Renting & Business Activities              0.2             (2.5)             (5.4)              0.6             (3.6)             (5.1)             (2.7)             (6.2)             (5.1)             (7.4)             (7.7)             (2.1)
     Public Adm. & Defense: Compulsory Social Securities            20.5            29.8             45.5            31.1             (1.8)             (2.5)           (17.3)             (0.2)             (7.3)              4.0             (7.7)             (9.0)
     Education             (4.3)             (4.4)             (9.2)             (7.0)           (11.0)           (10.4)           (14.0)             (7.4)             (6.6)             (8.8)             (2.5)             (1.8)
     Health and Social Work              5.9              9.3               9.1              4.3              0.2              4.7             (6.3)             (0.4)             (5.7)             (1.9)             (2.1)              5.4
     Other Community, Social & Personal Serv. Act.           (17.8)           (19.0)           (16.2)           (11.9)              5.2           (15.9)           (10.3)           (17.5)           (16.3)           (16.1)           (17.0)           (12.1)
     Private Households w/ Employed Persons            78.9            79.2             86.2            89.2            34.6            85.9            57.7            93.0            91.0            89.0            96.5            98.4
     Others              0.1              3.9               4.8            10.2            15.0            12.0            16.0              5.8            11.2              8.8              5.1            14.8
     GRAND TOTAL 9.6 8.1 8.4 12.1 4.0 5.9 4.7 2.3 3.8 (0.4) 3.8 4.9