6   CONSUMER LOANS * 
            Philippine Banking System        
            as of end of periods indicated        
            in billion pesos        
PARTICULARS March-10 June-10 Sep-10 r/ December-10
   
PHILIPPINE BANKING SYSTEM  
     TOTAL CONSUMER LOANS (CLs) 417.156 434.557 449.900 472.630
          PERFORMING 377.764 394.244 408.768 431.489
          NON-PERFORMING 39.392 40.313 41.132 41.141
         LOAN LOSS RESERVES 24.628 25.079 25.779 27.539
     TOTAL LOAN PORTFOLIO (Net of IBL) 2,548.962 2,701.351 2,752.069 2,960.120
     NON-PERFORMING LOANS  131.581 136.597 135.241 132.727
     Total CLs to TLP(%)                             16.37                             16.09                             16.35                             15.97
     Non-Performing CLs to total NPLs (%)                             29.94                             29.51                             30.41                             31.00
     Non-Performing CLs to TLP (%)                               1.55                               1.49                               1.49                               1.39
      Non-Performing CLs to total CLs (%)                               9.44                               9.28                               9.14                               8.70
   
     TOTAL AUTO LOANS                           99.586                         105.566                         112.522                         117.633
          PERFORMING                           94.552                         100.496                         107.451                         112.189
          NON-PERFORMING                             5.033                             5.070                             5.071                             5.444
          LOAN LOSS RESERVES                             2.695                             3.102                             3.217                             3.213
     TOTAL LOAN PORTFOLIO (net of IBL)                      2,548.962                      2,701.351                      2,752.069                      2,960.120
    NON-PERFORMING LOANS                          131.581                         136.597                         135.241                         132.727
    Total ALs to TLP(%)                               3.91                               3.91                               4.09                               3.97
    Non-Performing ALs to total NPLs (%)                               3.83                               3.71                               3.75                               4.10
    Non-Performing ALs to TLP (%)                               0.20                               0.19                               0.18                               0.18
    Non-Performing ALs to total ALs (%)                               5.05                               4.80                               4.51                               4.63
   
   TOTAL CREDIT CARD RECEIVABLES                         110.169                         114.189                         111.883                         120.299
         PERFORMING                           94.784                           98.921                           97.131                         105.353
          NON-PERFORMING                           15.385                           15.269                           14.752                           14.946
          LOAN LOSS RESERVES                           13.364                           12.922                           13.136                           13.011
     TOTAL LOAN PORTFOLIO (net of IBL)                      2,548.962                      2,701.351                      2,752.069                      2,960.120
    NON-PERFORMING LOANS                          131.581                         136.597                         135.241                         132.727
   Total CCRs to TLP(%)                               4.32                               4.23                               4.07                               4.06
   Non-Performing CCRs to total NPLs (%)                             11.69                             11.18                             10.91                             11.26
   Non-Performing CCRs to TLP (%)                               0.60                               0.57                               0.54                               0.50
   Non-Performing CCRs to total CCRs (%)                             13.96                             13.37                             13.19                             12.42
   
   RESIDENTIAL REAL ESTATE LOANS (RRELs)                         168.248                         173.719                         178.841                         188.348
         PERFORMING                           156.888                         162.246                         165.426                         175.379
         NON-PERFORMING                             11.360                           11.474                           13.416                           12.969
          LOAN LOSS RESERVES                             3.294                             3.298                             3.659                             4.517
   TOTAL LOAN PORTFOLIO (Net of IBL)                      2,548.962                      2,701.351                      2,752.069                      2,960.120
   NON-PERFORMING LOANS                          131.581                         136.597                         135.241                         132.727
   Total RRELs to TLP(%)                               6.60                               6.43                               6.50                               6.36
   Non-Performing RRELs to total NPLs (%)                               8.63                               8.40                               9.92                               9.77
   Non-Performing RRELs to TLP (%)                               0.45                               0.42                               0.49                               0.44
   Non-Performing RRELs to total RRELs (%)                               6.75                               6.60                               7.50                               6.89
   
   OTHER CONSUMER LOANS (CLs)                           39.153                           41.083                           46.653                           46.350
         PERFORMING                           31.539                           32.581                           38.761                           38.568
         NON-PERFORMING                             7.614                             8.501                             7.893                             7.782
          LOAN LOSS RESERVES                             5.275                             5.757                             5.767                             6.798
   TOTAL LOAN PORTFOLIO (Net of IBL)                      2,548.962                      2,701.351                      2,752.069                      2,960.120
   NON-PERFORMING LOANS                          131.581                         136.597                         135.241                         132.727
   Total OTHER CLs to TLP(%)                               1.54                               1.52                               1.70                               1.57
   Non-Performing OTHER CLs to total NPLs (%)                               5.79                               6.22                               5.84                               5.86
   Non-Performing OTHER CLs to TLP (%)                               0.30                               0.31                               0.29                               0.26
   Non-Performing OTHER CLs to total OTHER CLs (%)                             19.45                             20.69                             16.92                             16.79
   
* Bank Proper only  
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