15 CONSUMER LOANS
            Universal and Commercial Banking System        
            as of end of periods indicated        
            in billion pesos        
PARTICULARS March-10 June-10 September-10 December-10
   
TOTAL UNIVERSAL AND COMMERCIAL BANKS  
     TOTAL CONSUMER LOANS (CLs) 250.134 265.012 269.155 284.537
          PERFORMING 225.813 240.196 245.095 258.974
          NON-PERFORMING 24.321 24.816 24.060 25.563
         LOAN LOSS RESERVES 16.692 16.613 16.861 18.574
     TOTAL LOAN PORTFOLIO (Net of IBL) 2,231.836 2,383.801 2,422.064 2,607.617
     NON-PERFORMING LOANS  104.130 109.192 105.547 103.959
     Total CLs to TLP(%)                             11.21                             11.12                             11.11                             10.91
     Non-Performing CLs to total NPLs (%)                             23.36                             22.73                             22.80                             24.59
     Non-Performing CLs to TLP (%)                               1.09                               1.04                               0.99                               0.98
      Non-Performing CLs to total CLs (%)                               9.72                               9.36                               8.94                               8.98
   
     TOTAL AUTO LOANS                           47.598                           50.945                           53.739                           56.602
          PERFORMING                           44.856                           48.233                           50.935                           53.579
          NON-PERFORMING                             2.742                             2.713                             2.803                             3.023
          LOAN LOSS RESERVES                             1.361                             1.422                             1.512                             1.542
     TOTAL LOAN PORTFOLIO (net of IBL)                      2,231.836                      2,383.801                      2,422.064                      2,607.617
    NON-PERFORMING LOANS                          104.130                         109.192                         105.547                         103.959
    Total ALs to TLP(%)                              2.13                              2.14                              2.22                              2.17
    Non-Performing ALs to total NPLs (%)                      2.63                      2.48                      2.66                      2.91
    Non-Performing ALs to TLP (%)                      0.12                      0.11                      0.12                      0.12
    Non-Performing ALs to total ALs (%)                      5.76                      5.32                      5.22                      5.34
   
   TOTAL CREDIT CARD RECEIVABLES                         109.643                         113.705                         111.382                         119.755
         PERFORMING                           94.329                           98.506                           96.680                         104.866
          NON-PERFORMING                           15.314                           15.199                           14.701                           14.888
          LOAN LOSS RESERVES                           13.243                           12.793                           12.999                           12.874
     TOTAL LOAN PORTFOLIO (net of IBL)                      2,231.836                      2,383.801                      2,422.064                      2,607.617
    NON-PERFORMING LOANS                          104.130                         109.192                         105.547                         103.959
   Total CCRs to TLP(%)                              4.91                              4.77                              4.60                              4.59
   Non-Performing CCRs to total NPLs (%)                     14.71                     13.92                     13.93                     14.32
   Non-Performing CCRs to TLP (%)                      0.69                      0.64                      0.61                      0.57
   Non-Performing CCRs to total CCRs (%)                     13.97                     13.37                     13.20                     12.43
   
   RESIDENTIAL REAL ESTATE LOANS (RRELs)                           77.602                           84.522                           87.038                           92.209
         PERFORMING                             73.882                           80.480                           83.182                           87.105
         NON-PERFORMING                               3.720                             4.042                             3.856                             5.104
          LOAN LOSS RESERVES                             0.934                             1.012                             1.002                             1.981
   TOTAL LOAN PORTFOLIO (Net of IBL)                      2,231.836                      2,383.801                      2,422.064                      2,607.617
   NON-PERFORMING LOANS                          104.130                         109.192                         105.547                         103.959
   Total RRELs to TLP(%)                              3.48                              3.55                              3.59                              3.54
   Non-Performing RRELs to total NPLs (%)                              3.57                              3.70                              3.65                              4.91
   Non-Performing RRELs to TLP (%)                              0.17                              0.17                              0.16                              0.20
   Non-Performing RRELs to total RRELs (%)                              4.79                              4.78                              4.43                              5.54
   
   OTHER CONSUMER LOANS (CLs)                           15.291                           15.840                           16.997                           15.971
        PERFORMING                           12.746                           12.978                           14.298                           13.424
        NON-PERFORMING                             2.545                             2.863                             2.699                             2.547
          LOAN LOSS RESERVES                             1.154                             1.386                             1.347                             2.178
   TOTAL LOAN PORTFOLIO (Net of IBL)                      2,231.836                      2,383.801                      2,422.064                      2,607.617
   NON-PERFORMING LOANS                          104.130                         109.192                         105.547                         103.959
   Total OTHER CLs to TLP(%)                              0.69                              0.66                              0.70                              0.61
   Non-Performing OTHER CLs to total NPLs (%)                              2.44                              2.62                              2.56                              2.45
   Non-Performing OTHER CLs to TLP (%)                              0.11                              0.12                              0.11                              0.10
   Non-Performing OTHER CLs to total OTHER CLs (%)                            16.64                            18.07                            15.88                            15.95
   
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 7 April 2011