28   CREDIT CARD RECEIVABLES
Universal Banking System
as of end of periods indicated
in billion pesos
PARTICULARS	Mar - 08 r/	June- 08 r/	Sept- 08 r/	Dec-08
Total Universal Banks
TOTAL CREDIT CARD RECEIVABLES	73.362	78.191	80.171	89.306
PERFORMING	62.681	66.651	68.396	76.709
NON-PERFORMING	10.680	11.540	11.775	12.597
TOTAL LOAN PORTFOLIO (Net of IBL)	1,748.612	1,900.990	1,931.400	2,145.360
NON-PERFORMING LOANS	106.137	106.009	106.759	102.268
TOTAL CCRs TO TLP (%)	4.20	4.11	4.15	4.16
Non-Performing CCRs to total NPLs (%)	10.06	10.89	11.03	12.32
Non-Performing CCRs to TLP (%)	0.61	0.61	0.61	0.59
Non-Performing CCRs to total CCRs (%)	14.56	14.76	14.69	14.11
Bank Proper
TOTAL CREDIT CARD RECEIVABLES	56.283	60.234	63.606	69.196
PERFORMING	48.955	51.985	55.316	60.116
NON-PERFORMING	7.327	8.249	8.289	9.080
TOTAL LOAN PORTFOLIO (Net of IBL)	1,561.473	1,700.349	1,732.651	1,950.676
NON-PERFORMING LOANS	93.157	92.978	93.683	90.533
TOTAL CCRs TO TLP (%)	3.60	3.54	3.67	3.55
Non-Performing CCRs to total NPLs (%)	7.87	8.87	8.85	10.03
Non-Performing CCRs to TLP (%)	0.47	0.49	0.48	0.47
Non-Performing CCRs to total CCRs (%)	13.02	13.69	13.03	13.12
Subsidiary
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)	187.139	200.641	198.749	194.684
NON-PERFORMING LOANS	12.980	13.031	13.076	11.735
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
Source : Supervisory Data Center, Supervision and Examination Sector
Updated as of 01 June 2009