15 CONSUMER LOANS 1/        
                   
                   
  Universal and Commercial Banking System         
    as of end of periods indicated        
    in billion pesos        
                   
   
  Mar-11 Jun-11 Sep-11 Dec-11
         
  Consumer Loans (CL) 291.620 309.660 325.224 351.002
  Performing 265.528 282.898 297.738 325.642
  Non-Performing 26.092 26.762 27.486 25.360
  Loan Loss Reserves 18.009 18.865 19.152 17.298
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 2,590.549 2,858.448 2,868.233 3,098.024
  Total Non-Performing Loans (NPL) 105.285 103.341 105.581 102.541
  CL to TLP (%)                           11.26                           10.83                           11.34                           11.33
  Non-Performing CL to Total NPL (%)                           24.78                           25.90                           26.03                           24.73
  Non-Performing CL to TLP (%)                             1.01                             0.94                             0.96                             0.82
  Non-Performing CL to CL (%)                             8.95                             8.64                             8.45                             7.23
   
  Auto Loans (AL)                         60.884                         64.083                         67.643                         71.877
  Performing                         57.855                         60.902                         64.469                         68.612
  Non-Performing                           3.028                           3.181                           3.174                           3.264
  Loan Loss Reserves                           1.671                           1.780                           2.088                           2.304
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)                    2,590.549                    2,858.448                    2,868.233                    3,098.024
  Total Non-Performing Loans (NPL)                       105.285                       103.341                       105.581                       102.541
  AL to TLP (%)                             2.35                             2.24                             2.36                             2.32
  Non-Performing AL to Total NPL (%)                             2.88                             3.08                             3.01                             3.18
  Non-Performing AL to TLP (%)                             0.12                             0.11                             0.11                             0.11
  Non-Performing AL to AL (%)                             4.97                             4.96                             4.69                             4.54
   
  Credit Card Receivables (CCR)                       118.384                       120.794                       126.109                       131.760
  Performing                       103.093                       105.398                       109.952                       117.451
  Non-Performing                         15.291                         15.396                         16.157                         14.310
  Loan Loss Reserves                         13.291                         13.866                         13.751                         11.812
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)                    2,590.549                    2,858.448                    2,868.233                    3,098.024
  Total Non-Performing Loans (NPL)                       105.285                       103.341                       105.581                       102.541
  CCR to TLP (%)                             4.57                             4.23                             4.40                             4.25
  Non-Performing CCR to Total NPL (%)                           14.52                           14.90                           15.30                           13.95
  Non-Performing CCR to TLP (%)                             0.59                             0.54                             0.56                             0.46
  Non-Performing CCR to CCR (%)                           12.92                           12.75                           12.81                           10.86
   
  Residential Real Estate Loans (RREL)                         96.881                       103.650                       110.540                       123.854
  Performing                         91.637                         97.968                       104.791                       118.050
  Non-Performing                           5.244                           5.681                           5.749                           5.804
  Loan Loss Reserves                           0.802                           1.093                           1.211                           1.551
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)                    2,590.549                    2,858.448                    2,868.233                    3,098.024
  Total Non-Performing Loans (NPL)                       105.285                       103.341                       105.581                       102.541
  RREL to TLP (%)                             3.74                             3.63                             3.85                             4.00
  Non-Performing RREL to Total NPL (%)                             4.98                             5.50                             5.44                             5.66
  Non-Performing RREL to TLP (%)                             0.20                             0.20                             0.20                             0.19
  Non-Performing RREL to RREL (%)                             5.41                             5.48                             5.20                             4.69
   
  Other Consumer Loans (OCL)                         15.471                         21.132                         20.931                         23.511
  Performing                         12.941                         18.629                         18.526                         21.529
  Non-Performing                           2.530                           2.504                           2.405                           1.982
  Loan Loss Reserves                           2.245                           2.126                           2.102                           1.631
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)                    2,590.549                    2,858.448                    2,868.233                    3,098.024
  Total Non-Performing Loans (NPL)                       105.285                       103.341                       105.581                       102.541
  OCL to TLP (%)                             0.60                             0.74                             0.73                             0.76
  Non-Performing OCL to Total NPL (%)                             2.40                             2.42                             2.28                             1.93
  Non-Performing OCL to TLP (%)                             0.10                             0.09                             0.08                             0.06
  Non-Performing OCL to OCL (%)                           16.35                           11.85                           11.49                             8.43
                   
1/ 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 22 March 2012