15 CONSUMER LOANS
            Universal and Commercial Banking System        
            as of end of periods indicated        
            in billion pesos        
PARTICULARS March-09 June-09 September-09 December-09
   
TOTAL UNIVERSAL AND COMMERCIAL BANKS  
     TOTAL CONSUMER LOANS (CLs) 229.989 235.334 239.958 249.211
          PERFORMING 208.374 213.367 218.126 226.023
          NON-PERFORMING 21.614 21.968 21.832 23.189
         LOAN LOSS RESERVES 12.599 14.455 15.125 16.353
     TOTAL LOAN PORTFOLIO (Net of IBL) 2,244.929 2,254.455 2,201.042 2,401.604
     NON-PERFORMING LOANS  107.984 107.362 104.789 102.029
     Total CLs to TLP(%)                            10.24                           10.44                               10.90                             10.38
     Non-Performing CLs to total NPLs (%)                            20.02                           20.46                               20.83                             22.73
     Non-Performing CLs to TLP (%)                              0.96                             0.97                                 0.99                               0.97
      Non-Performing CLs to total CLs (%)                              9.40                             9.33                                 9.10                               9.30
   
     TOTAL AUTO LOANS                          37.443                         38.078                             43.358                           45.446
          PERFORMING                          35.203                         35.824                             40.784                           42.637
          NON-PERFORMING                            2.240                           2.254                               2.574                             2.809
          LOAN LOSS RESERVES                            0.662                           1.036                               1.142                             1.304
     TOTAL LOAN PORTFOLIO (net of IBL)                     2,244.929                    2,254.455                        2,201.042                      2,401.604
    NON-PERFORMING LOANS                         107.984                       107.362                           104.789                         102.029
    Total ALs to TLP(%)                              1.67                             1.69                                 1.97                               1.89
    Non-Performing ALs to total NPLs (%)                              2.07                             2.10                                 2.46                               2.75
    Non-Performing ALs to TLP (%)                              0.10                             0.10                                 0.12                               0.12
    Non-Performing ALs to total ALs (%)                              5.98                             5.92                                 5.94                               6.18
   
   TOTAL CREDIT CARD RECEIVABLES                        101.886                       104.898                           110.007                         114.979
         PERFORMING                          90.227                         92.350                             96.861                         100.940
          NON-PERFORMING                          11.659                         12.548                             13.146                           14.039
          LOAN LOSS RESERVES                            9.664                         11.387                             11.853                           12.944
     TOTAL LOAN PORTFOLIO (net of IBL)                     2,244.929                    2,254.455                        2,201.042                      2,401.604
    NON-PERFORMING LOANS                         107.984                       107.362                           104.789                         102.029
   Total CCRs to TLP(%)                              4.54                             4.65                                 5.00                               4.79
   Non-Performing CCRs to total NPLs (%)                            10.80                           11.69                               12.54                             13.76
   Non-Performing CCRs to TLP (%)                              0.52                             0.56                                 0.60                               0.58
   Non-Performing CCRs to total CCRs (%)                            11.44                           11.96                               11.95                             12.21
   
   RESIDENTIAL REAL ESTATE LOANS (RRELs)                          74.881                         75.533                             71.271                           72.595
         PERFORMING                            69.701                         71.017                             67.732                           68.907
         NON-PERFORMING                              5.180                           4.516                               3.538                             3.689
          LOAN LOSS RESERVES                            1.216                           0.871                               0.852                             0.956
   TOTAL LOAN PORTFOLIO (Net of IBL)                     2,244.929                    2,254.455                        2,201.042                      2,401.604
   NON-PERFORMING LOANS                         107.984                       107.362                           104.789                         102.029
   Total RRELs to TLP(%)                              3.34                             3.35                                 3.24                               3.02
   Non-Performing RRELs to total NPLs (%)                              4.80                             4.21                                 3.38                               3.62
   Non-Performing RRELs to TLP (%)                              0.23                             0.20                                 0.16                               0.15
   Non-Performing RRELs to total RRELs (%)                              6.92                             5.98                                 4.96                               5.08
   
   OTHER CONSUMER LOANS (CLs)                          15.779                         16.825                             15.323                           16.191
        PERFORMING                          13.244                         14.175                             12.750                           13.539
        NON-PERFORMING                            2.535                           2.650                               2.573                             2.652
          LOAN LOSS RESERVES                            1.058                           1.161                               1.279                             1.149
   TOTAL LOAN PORTFOLIO (Net of IBL)                     2,244.929                    2,254.455                        2,201.042                      2,401.604
   NON-PERFORMING LOANS                         107.984                       107.362                           104.789                         102.029
   Total OTHER CLs to TLP(%)                              0.70                             0.75                                 0.70                               0.67
   Non-Performing OTHER CLs to total NPLs (%)                              2.35                             2.47                                 2.46                               2.60
   Non-Performing OTHER CLs to TLP (%)                              0.11                             0.12                                 0.12                               0.11
   Non-Performing OTHER CLs to total OTHER CLs (%)                            16.07                           15.75                               16.79                             16.38
   
1/ Inclusive of TBs subsidiaries of Universal and Commercial Banks  
Note: Details may not add up to totals due to rounding-off  
Source : Supervisory Data Center, Supervision and Examination Sector        
Updated as of 15 March 2010