6   CONSUMER LOANS
            Philippine Banking System        
            as of end of periods indicated        
            in billion pesos        
PARTICULARS March-09 June-09 September-09 December-09
   
PHILIPPINE BANKING SYSTEM  
     TOTAL CONSUMER LOANS (CLs) 385.801 398.580 400.131 413.116
          PERFORMING 350.899 362.586 363.127 375.861
          NON-PERFORMING 34.901 35.994 37.004 37.255
         LOAN LOSS RESERVES 19.104 21.639 22.919 23.467
     TOTAL LOAN PORTFOLIO (Net of IBL) 2,540.293 2,562.314 2,496.278 2,719.879
     NON-PERFORMING LOANS  133.449 132.859 132.007 127.622
     Total CLs to TLP(%)                              15.19                           15.56                             16.03                             15.19
     Non-Performing CLs to total NPLs (%)                              26.15                           27.09                             28.03                             29.19
     Non-Performing CLs to TLP (%)                                1.37                             1.40                               1.48                               1.37
      Non-Performing CLs to total CLs (%)                                9.05                             9.03                               9.25                               9.02
   
     TOTAL AUTO LOANS                            81.624                         86.095                           90.475                           94.508
          PERFORMING                            77.378                         81.674                           85.795                           89.574
          NON-PERFORMING                              4.246                           4.420                             4.681                             4.933
          LOAN LOSS RESERVES                              2.469                           2.374                             2.238                             2.462
     TOTAL LOAN PORTFOLIO (net of IBL)                       2,540.293                    2,562.314                      2,496.278                      2,719.879
    NON-PERFORMING LOANS                           133.449                       132.859                         132.007                         127.622
    Total ALs to TLP(%)                                3.21                             3.36                               3.62                               3.47
    Non-Performing ALs to total NPLs (%)                                3.18                             3.33                               3.55                               3.87
    Non-Performing ALs to TLP (%)                                0.17                             0.17                               0.19                               0.18
    Non-Performing ALs to total ALs (%)                                5.20                             5.13                               5.17                               5.22
   
   TOTAL CREDIT CARD RECEIVABLES                          106.823                       109.972                         110.467                         115.501
         PERFORMING                            94.894                         96.960                           97.265                         101.391
          NON-PERFORMING                            11.928                         13.012                           13.202                           14.109
          LOAN LOSS RESERVES                              9.890                         11.793                           11.959                           13.062
     TOTAL LOAN PORTFOLIO (net of IBL)                       2,540.293                    2,562.314                      2,496.278                      2,719.879
    NON-PERFORMING LOANS                           133.449                       132.859                         132.007                         127.622
   Total CCRs to TLP(%)                                4.21                             4.29                               4.43                               4.25
   Non-Performing CCRs to total NPLs (%)                                8.94                             9.79                             10.00                             11.06
   Non-Performing CCRs to TLP (%)                                0.47                             0.51                               0.53                               0.52
   Non-Performing CCRs to total CCRs (%)                              11.17                           11.83                             11.95                             12.22
   
   RESIDENTIAL REAL ESTATE LOANS (RRELs)                          160.384                       164.832                         162.496                         162.598
         PERFORMING                            148.345                       153.381                         150.647                         151.734
         NON-PERFORMING                              12.040                         11.450                           11.849                           10.864
          LOAN LOSS RESERVES                              3.013                           3.004                             3.708                             3.297
   TOTAL LOAN PORTFOLIO (Net of IBL)                       2,540.293                    2,562.314                      2,496.278                      2,719.879
   NON-PERFORMING LOANS                           133.449                       132.859                         132.007                         127.622
   Total RRELs to TLP(%)                                6.31                             6.43                               6.51                               5.98
   Non-Performing RRELs to total NPLs (%)                                9.02                             8.62                               8.98                               8.51
   Non-Performing RRELs to TLP (%)                                0.47                             0.45                               0.47                               0.40
   Non-Performing RRELs to total RRELs (%)                                7.51                             6.95                               7.29                               6.68
   
   OTHER CONSUMER LOANS (CLs)                            36.970                         37.682                           36.692                           40.510
         PERFORMING                            30.283                         30.570                           29.420                           33.161
         NON-PERFORMING                              6.687                           7.112                             7.272                             7.349
          LOAN LOSS RESERVES                              3.732                           4.469                             5.015                             4.646
   TOTAL LOAN PORTFOLIO (Net of IBL)                       2,540.293                    2,562.314                      2,496.278                      2,719.879
   NON-PERFORMING LOANS                           133.449                       132.859                         132.007                         127.622
   Total OTHER CLs to TLP(%)                                1.46                             1.47                               1.47                               1.49
   Non-Performing OTHER CLs to total NPLs (%)                                5.01                             5.35                               5.51                               5.76
   Non-Performing OTHER CLs to TLP (%)                                0.26                             0.28                               0.29                               0.27
   Non-Performing OTHER CLs to total OTHER CLs (%)                              18.09                           18.87                             19.82                             18.14
   
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