19   CREDIT CARD RECEIVABLES
Universal and Commercial Banking System
as of end of periods indicated
in billion pesos
PARTICULARS	March-08	June- 08 r/	Sept- 08 r/	December-08
Total Universal and Commercial Banks
TOTAL CREDIT CARD RECEIVABLES	110.776	117.493	119.310	125.583
PERFORMING	99.194	103.571	104.994	110.559
NON-PERFORMING	11.582	13.921	14.315	15.025
TOTAL LOAN PORTFOLIO (Net of IBL)	2,044.339	2,219.730	2,275.420	2,489.834
NON-PERFORMING LOANS	120.550	121.043	122.422	117.230
TOTAL CCRs TO TLP (%)	5.42	5.29	5.24	5.04
Non-Performing CCRs to total NPLs (%)	9.61	11.50	11.69	12.82
Non-Performing CCRs to TLP (%)	0.57	0.63	0.63	0.60
Non-Performing CCRs to total CCRs (%)	10.46	11.85	12.00	11.96
Bank Proper
TOTAL CREDIT CARD RECEIVABLES	93.697	99.536	102.745	105.473
PERFORMING	85.468	88.905	91.915	93.965
NON-PERFORMING	8.230	10.631	10.830	11.508
TOTAL LOAN PORTFOLIO (Net of IBL)	1,857.190	2,019.080	2,076.662	2,295.142
NON-PERFORMING LOANS	107.569	108.011	109.346	105.495
TOTAL CCRs TO TLP (%)	5.05	4.93	4.95	4.60
Non-Performing CCRs to total NPLs (%)	7.65	9.84	9.90	10.91
Non-Performing CCRs to TLP (%)	0.44	0.53	0.52	0.50
Non-Performing CCRs to total CCRs (%)	8.78	10.68	10.54	10.91
Subsidiary 1/
TOTAL CREDIT CARD RECEIVABLES	17.079	17.957	16.565	20.110
PERFORMING	13.726	14.666	13.080	16.593
NON-PERFORMING	3.353	3.291	3.485	3.517
TOTAL LOAN PORTFOLIO (Net of IBL)	187.149	200.650	198.758	194.692
NON-PERFORMING LOANS	12.981	13.032	13.077	11.736
TOTAL CCRs TO TLP (%)	9.13	8.95	8.33	10.33
Non-Performing CCRs to total NPLs (%)	25.83	25.25	26.65	29.97
Non-Performing CCRs to TLP (%)	1.79	1.64	1.75	1.81
Non-Performing CCRs to total CCRs (%)	19.63	18.33	21.04	17.49
r/ Revised
1/ Inclusive of thrift bank subsidiaries of commercial banks
Source : Supervisory Data Center, Supervision and Examination Sector
Updated as of 01 June 2009