42  CONSUMER LOANS
            Thrift Banking System        
            as of end of periods indicated        
            in billion pesos        
PARTICULARS March-09 June-09 September-09 December-09
   
TOTAL THRIFT BANKS  
     TOTAL CONSUMER LOANS (CLs) 155.812 163.246 160.173 163.905
          PERFORMING 142.525 149.219 145.001 149.839
          NON-PERFORMING 13.287 14.026 15.172 14.067
         LOAN LOSS RESERVES 6.505 7.184 7.794 7.113
     TOTAL LOAN PORTFOLIO (Net of IBL) 295.364 307.860 295.236 318.275
     NON-PERFORMING LOANS  25.464 25.498 27.218 25.593
     Total CLs to TLP(%)                              52.75                           53.03                             54.25                             51.50
     Non-Performing CLs to total NPLs (%)                              52.18                           55.01                             55.74                             54.96
     Non-Performing CLs to TLP (%)                                4.50                             4.56                               5.14                               4.42
      Non-Performing CLs to total CLs (%)                                8.53                             8.59                               9.47                               8.58
   
 TOTAL AUTO LOANS                            44.181                         48.017                           47.117                           49.062
           PERFORMING                            42.175                         45.850                           45.011                           46.938
          NON-PERFORMING                              2.006                           2.166                             2.106                             2.124
          LOAN LOSS RESERVES                              1.807                           1.338                             1.096                             1.158
     TOTAL LOAN PORTFOLIO (net of IBL)                          295.364                       307.860                         295.236                         318.275
    NON-PERFORMING LOANS                             25.464                         25.498                           27.218                           25.593
    Total ALs to TLP(%)                              14.96                           15.60                             15.96                             15.41
    Non-Performing ALs to total NPLs (%)                                7.88                             8.50                               7.74                               8.30
    Non-Performing ALs to TLP (%)                                0.68                             0.70                               0.71                               0.67
    Non-Performing ALs to total ALs (%)                                4.54                             4.51                               4.47                               4.33
   
   TOTAL CREDIT CARD RECEIVABLES                              4.937                           5.073                             0.461                             0.522
         PERFORMING                              4.667                           4.610                             0.404                             0.451
          NON-PERFORMING                              0.270                           0.463                             0.056                             0.071
          LOAN LOSS RESERVES                              0.226                           0.406                             0.106                             0.117
     TOTAL LOAN PORTFOLIO (net of IBL)                          295.364                       307.860                         295.236                         318.275
    NON-PERFORMING LOANS                             25.464                         25.498                           27.218                           25.593
   Total CCRs to TLP(%)                                1.67                             1.65                               0.16                               0.16
   Non-Performing CCRs to total NPLs (%)                                1.06                             1.82                               0.21                               0.28
   Non-Performing CCRs to TLP (%)                                0.09                             0.15                               0.02                               0.02
   Non-Performing CCRs to total CCRs (%)                                5.46                             9.13                             12.19                             13.52
   
   RESIDENTIAL REAL ESTATE LOANS (RRELs)                            85.503                         89.299                           91.226                           90.003
         PERFORMING                              78.644                         82.364                           82.915                           82.828
         NON-PERFORMING                                6.859                           6.934                             8.310                             7.175
          LOAN LOSS RESERVES                              1.798                           2.132                             2.857                             2.341
   TOTAL LOAN PORTFOLIO (Net of IBL)                          295.364                       307.860                         295.236                         318.275
   NON-PERFORMING LOANS                             25.464                         25.498                           27.218                           25.593
   Total RRELs to TLP(%)                              28.95                           29.01                             30.90                             28.28
   Non-Performing RRELs to total NPLs (%)                              26.94                           27.20                             30.53                             28.04
   Non-Performing RRELs to TLP (%)                                2.32                             2.25                               2.81                               2.25
   Non-Performing RRELs to total RRELs (%)                                8.02                             7.77                               9.11                               7.97
   
   OTHER CONSUMER LOANS (CLs)                            21.191                         20.857                           21.369                           24.319
        PERFORMING                            17.039                         16.395                           16.670                           19.622
        NON-PERFORMING                              4.152                           4.462                             4.699                             4.697
         LOAN LOSS RESERVES                              2.674                           3.308                             3.736                             3.497
   TOTAL LOAN PORTFOLIO (Net of IBL)                          295.364                       307.860                         295.236                         318.275
   NON-PERFORMING LOANS                             25.464                         25.498                           27.218                           25.593
   Total OTHER CLs to TLP(%)                                7.17                             6.77                               7.24                               7.64
   Non-Performing OTHER CLs to total NPLs (%)                              16.30                           17.50                             17.26                             18.35
   Non-Performing OTHER CLs to TLP (%)                                1.41                             1.45                               1.59                               1.48
   Non-Performing OTHER CLs to total OTHER CLs (%)                              19.59                           21.39                             21.99                             19.31
   
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