24       CONSUMER LOANS 1/        
                   
                   
            Universal Banking System        
                as of end of periods indicated        
                in billion pesos        
                   
   
  Mar-11 Jun-11 Sep-11 Dec-11
         
  Consumer Loans (CL)                 226.114                 239.971                 253.338                 275.935
  Performing                 204.716                 217.659                 230.191                 254.360
  Non-Performing                   21.398                   22.312                   23.146                   21.575
  Loan Loss Reserves                   15.030                   15.766                   16.786                   15.488
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)              2,228.405              2,501.761              2,485.350              2,704.477
  Total Non-Performing Loans (NPL)                   89.754                   87.211                   90.928                   87.900
  CL to TLP (%)                     10.15                       9.59                     10.19                     10.20
  Non-Performing CL to Total NPL (%)                     23.84                     25.58                     25.46                     24.54
  Non-Performing CL to TLP (%)                       0.96                       0.89                       0.93                       0.80
  Non-Performing CL to CL (%)                       9.46                       9.30                       9.14                       7.82
   
  Auto Loans (AL)                   50.727                   51.967                   54.635                   57.577
  Performing                   48.324                   49.460                   52.195                   55.020
  Non-Performing                     2.403                     2.507                     2.440                     2.557
  Loan Loss Reserves                     1.650                     1.734                     1.833                     2.026
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)              2,228.405              2,501.761              2,485.350              2,704.477
  Total Non-Performing Loans (NPL)                   89.754                   87.211                   90.928                   87.900
  AL to TLP (%)                       2.28                       2.08                       2.20                       2.13
  Non-Performing AL to Total NPL (%)                       2.68                       2.87                       2.68                       2.91
  Non-Performing AL to TLP (%)                       0.11                       0.10                       0.10                       0.09
  Non-Performing AL to AL (%)                       4.74                       4.82                       4.47                       4.44
   
  Credit Card Receivables (CCR)                   76.956                   80.482                   84.965                   88.098
  Performing                   64.139                   67.214                   70.956                   75.933
  Non-Performing                   12.817                   13.267                   14.009                   12.165
  Loan Loss Reserves                   11.679                   12.124                   12.760                   10.899
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)              2,228.405              2,501.761              2,485.350              2,704.477
  Total Non-Performing Loans (NPL)                   89.754                   87.211                   90.928                   87.900
  CCR to TLP (%)                       3.45                       3.22                       3.42                       3.26
  Non-Performing CCR to Total NPL (%)                     14.28                     15.21                     15.41                     13.84
  Non-Performing CCR to TLP (%)                       0.58                       0.53                       0.56                       0.45
  Non-Performing CCR to CCR (%)                     16.65                     16.48                     16.49                     13.81
   
  Residential Real Estate Loans (RREL)                   88.677                   92.533                   99.169                 113.014
  Performing                   83.652                   87.198                   93.769                 107.592
  Non-Performing                     5.025                     5.335                     5.399                     5.422
  Loan Loss Reserves                     0.725                     1.001                     1.145                     1.481
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)              2,228.405              2,501.761              2,485.350              2,704.477
  Total Non-Performing Loans (NPL)                   89.754                   87.211                   90.928                   87.900
  RREL to TLP (%)                       3.98                       3.70                       3.99                       4.18
  Non-Performing RREL to Total NPL (%)                       5.60                       6.12                       5.94                       6.17
  Non-Performing RREL to TLP (%)                       0.23                       0.21                       0.22                       0.20
  Non-Performing RREL to RREL (%)                       5.67                       5.77                       5.44                       4.80
   
  Other Consumer Loans (OCL)                     9.755                   14.989                   14.569                   17.245
  Performing                     8.601                   13.786                   13.271                   15.815
  Non-Performing                     1.154                     1.203                     1.298                     1.430
  Loan Loss Reserves                     0.977                     0.908                     1.047                     1.083
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)              2,228.405              2,501.761              2,485.350              2,704.477
  Total Non-Performing Loans (NPL)                   89.754                   87.211                   90.928                   87.900
  OCL to TLP (%)                       0.44                       0.60                       0.59                       0.64
  Non-Performing OCL to Total NPL (%)                       1.29                       1.38                       1.43                       1.63
  Non-Performing OCL to TLP (%)                       0.05                       0.05                       0.05                       0.05
  Non-Performing OCL to OCL (%)                     11.83                       8.03                       8.91                       8.29
                   
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