24 CONSUMER LOANS
            Universal Banking System        
            as of end of periods indicated        
            in billion pesos        
PARTICULARS March-09 June-09 September-09 December-09
   
TOTAL UNIVERSAL BANKS  
     TOTAL CONSUMER LOANS (CLs) 174.630 180.639 178.567 185.565
          PERFORMING 157.268 162.844 161.388 167.637
          NON-PERFORMING 17.362 17.796 17.179 17.929
         LOAN LOSS RESERVES 10.965 12.680 12.759 13.169
     TOTAL LOAN PORTFOLIO (Net of IBL) 1,920.836 1,924.579 1,876.847 2,050.878
     NON-PERFORMING LOANS  92.149 91.486 88.734 86.254
     Total CLs to TLP(%)                                9.09                             9.39                               9.51                               9.05
     Non-Performing CLs to total NPLs (%)                              18.84                           19.45                             19.36                             20.79
     Non-Performing CLs to TLP (%)                                0.90                             0.92                               0.92                               0.87
      Non-Performing CLs to total CLs (%)                                9.94                             9.85                               9.62                               9.66
   
    TOTAL AUTO LOANS                            30.551                         32.724                           34.771                           37.153
         PERFORMING                            28.814                         30.870                           32.939                           35.156
         NON-PERFORMING                              1.737                           1.854                             1.832                             1.998
         LOAN LOSS RESERVES                              0.658                           1.029                             1.055                             1.162
    TOTAL LOAN PORTFOLIO (net of IBL)                       1,920.836                    1,924.579                      1,876.847                      2,050.878
   NON-PERFORMING LOANS                             92.149                         91.486                           88.734                           86.254
   Total ALs to TLP(%)                                1.59                             1.70                               1.85                               1.81
   Non-Performing ALs to total NPLs (%)                                1.89                             2.03                               2.06                               2.32
   Non-Performing ALs to TLP (%)                                0.09                             0.10                               0.10                               0.10
   Non-Performing ALs to total ALs (%)                                5.69                             5.67                               5.27                               5.38
   
   TOTAL CREDIT CARD RECEIVABLES                            66.825                         69.533                           71.826                           74.469
         PERFORMING                            56.908                         58.806                           60.506                           62.762
          NON-PERFORMING                              9.917                         10.728                           11.320                           11.707
          LOAN LOSS RESERVES                              8.474                         10.124                           10.244                           10.450
     TOTAL LOAN PORTFOLIO (net of IBL)                       1,920.836                    1,924.579                      1,876.847                      2,050.878
    NON-PERFORMING LOANS                             92.149                         91.486                           88.734                           86.254
   Total CCRs to TLP(%)                                3.48                             3.61                               3.83                               3.63
   Non-Performing CCRs to total NPLs (%)                              10.76                           11.73                             12.76                             13.57
   Non-Performing CCRs to TLP (%)                                0.52                             0.56                               0.60                               0.57
   Non-Performing CCRs to total CCRs (%)                              14.84                           15.43                             15.76                             15.72
   
   RESIDENTIAL REAL ESTATE LOANS (RRELs)                            67.724                         68.391                           63.252                           64.324
         PERFORMING                              63.015                         64.256                           60.217                           61.111
         NON-PERFORMING                                4.709                           4.135                             3.035                             3.213
          LOAN LOSS RESERVES                              1.170                           0.834                             0.812                             0.914
   TOTAL LOAN PORTFOLIO (Net of IBL)                       1,920.836                    1,924.579                      1,876.847                      2,050.878
   NON-PERFORMING LOANS                             92.149                         91.486                           88.734                           86.254
   Total RRELs to TLP(%)                                3.53                             3.55                               3.37                               3.14
   Non-Performing RRELs to total NPLs (%)                                5.11                             4.52                               3.42                               3.73
   Non-Performing RRELs to TLP (%)                                0.25                             0.21                               0.16                               0.16
   Non-Performing RRELs to total RRELs (%)                                6.95                             6.05                               4.80                               5.00
   
   OTHER CONSUMER LOANS (CLs)                              9.530                           9.991                             8.718                             9.619
         PERFORMING                              8.531                           8.912                             7.726                             8.609
         NON-PERFORMING                              0.999                           1.079                             0.992                             1.010
          LOAN LOSS RESERVES                              0.664                           0.693                             0.649                             0.644
   TOTAL LOAN PORTFOLIO (Net of IBL)                       1,920.836                    1,924.579                      1,876.847                      2,050.878
   NON-PERFORMING LOANS                             92.149                         91.486                           88.734                           86.254
Total OTHER CLs to TLP(%)                                0.50                             0.52                               0.46                               0.47
Non-Performing OTHER CLs to total NPLs (%)                                1.08                             1.18                               1.12                               1.17
Non-Performing OTHER CLs to TLP (%)                                0.05                             0.06                               0.05                               0.05
Non-Performing OTHER CLs to total OTHER CLs (%)                              10.48                           10.80                             11.38                             10.50
   
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