24 CONSUMER LOANS
            Universal Banking System        
            as of end of periods indicated        
            in billion pesos        
PARTICULARS March-10 June-10 September-10 December-10
   
TOTAL UNIVERSAL BANKS  
     TOTAL CONSUMER LOANS (CLs) 189.383 202.358 207.802 220.240
          PERFORMING 170.752 183.670 188.777 199.250
          NON-PERFORMING 18.631 18.688 19.026 20.990
         LOAN LOSS RESERVES 13.760 13.718 14.240 15.585
     TOTAL LOAN PORTFOLIO (Net of IBL) 1,911.819 2,049.046 2,075.211 2,204.370
     NON-PERFORMING LOANS  87.407 91.025 89.543 88.563
     Total CLs to TLP(%)                               9.91                               9.88                             10.01                               9.99
     Non-Performing CLs to total NPLs (%)                             21.32                             20.53                             21.25                             23.70
     Non-Performing CLs to TLP (%)                               0.97                               0.91                               0.92                               0.95
      Non-Performing CLs to total CLs (%)                               9.84                               9.24                               9.16                               9.53
   
    TOTAL AUTO LOANS                           39.555                           42.541                           44.971                           47.383
         PERFORMING                           37.476                           40.509                           42.759                           44.978
         NON-PERFORMING                             2.079                             2.033                             2.212                             2.405
         LOAN LOSS RESERVES                             1.209                             1.271                             1.360                             1.414
    TOTAL LOAN PORTFOLIO (net of IBL)                      1,911.819                      2,049.046                      2,075.211                      2,204.370
   NON-PERFORMING LOANS                            87.407                           91.025                           89.543                           88.563
   Total ALs to TLP(%)                              2.07                              2.08                              2.17                              2.15
   Non-Performing ALs to total NPLs (%)                      2.38                      2.23                      2.47                      2.72
   Non-Performing ALs to TLP (%)                      0.11                      0.10                      0.11                      0.11
   Non-Performing ALs to total ALs (%)                      5.26                      4.78                      4.92                      5.08
   
   TOTAL CREDIT CARD RECEIVABLES                           71.671                           74.473                           72.485                           78.604
         PERFORMING                           59.393                           62.613                           60.372                           66.074
          NON-PERFORMING                           12.278                           11.860                           12.113                           12.530
          LOAN LOSS RESERVES                           10.993                           10.577                           11.014                           11.350
     TOTAL LOAN PORTFOLIO (net of IBL)                      1,911.819                      2,049.046                      2,075.211                      2,204.370
    NON-PERFORMING LOANS                            87.407                           91.025                           89.543                           88.563
   Total CCRs to TLP(%)                              3.75                              3.63                              3.49                              3.57
   Non-Performing CCRs to total NPLs (%)                     14.05                     13.03                     13.53                     14.15
   Non-Performing CCRs to TLP (%)                      0.64                      0.58                      0.58                      0.57
   Non-Performing CCRs to total CCRs (%)                     17.13                     15.92                     16.71                     15.94
   
   RESIDENTIAL REAL ESTATE LOANS (RRELs)                           69.354                           75.938                           79.485                           84.141
         PERFORMING                             66.010                           72.315                           75.947                           79.267
         NON-PERFORMING                               3.345                             3.623                             3.538                             4.874
          LOAN LOSS RESERVES                             0.905                             0.975                             0.967                             1.904
   TOTAL LOAN PORTFOLIO (Net of IBL)                      1,911.819                      2,049.046                      2,075.211                      2,204.370
   NON-PERFORMING LOANS                            87.407                           91.025                           89.543                           88.563
   Total RRELs to TLP(%)                              3.63                              3.71                              3.83                              3.82
   Non-Performing RRELs to total NPLs (%)                      3.83                      3.98                      3.95                      5.50
   Non-Performing RRELs to TLP (%)                      0.17                      0.18                      0.17                      0.22
   Non-Performing RRELs to total RRELs (%)                      4.82                      4.77                      4.45                      5.79
   
   OTHER CONSUMER LOANS (CLs)                             8.802                             9.406                           10.861                           10.112
         PERFORMING                             7.873                             8.233                             9.698                             8.931
         NON-PERFORMING                             0.929                             1.173                             1.163                             1.180
          LOAN LOSS RESERVES                             0.654                             0.895                             0.900                             0.917
   TOTAL LOAN PORTFOLIO (Net of IBL)                      1,911.819                      2,049.046                      2,075.211                      2,204.370
   NON-PERFORMING LOANS                            87.407                           91.025                           89.543                           88.563
Total OTHER CLs to TLP(%)                              0.46                              0.46                              0.52                              0.46
Non-Performing OTHER CLs to total NPLs (%)                      1.06                      1.29                      1.30                      1.33
Non-Performing OTHER CLs to TLP (%)                      0.05                      0.06                      0.06                      0.05
Non-Performing OTHER CLs to total OTHER CLs (%)                     10.56                     12.47                     10.71                     11.67
   
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 07 April 2011