33 CONSUMER LOANS 1/        
                   
                   
  Commercial Banking System         
    as of end of periods indicated        
    in billion pesos        
                   
   
  Mar-11 Jun-11 Sep-11 Dec-11
         
  Consumer Loans (CL)                           65.506                           69.689                           71.886                           75.067
  Performing                           60.811                           65.239                           67.547                           71.282
  Non-Performing                             4.694                             4.450                             4.339                             3.785
  Loan Loss Reserves                             2.979                             3.098                             2.366                             1.809
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)                         362.145                         356.686                         382.883                         393.546
  Total Non-Performing Loans (NPL)                           15.532                           16.129                           14.653                           14.641
  CL to TLP (%)                             18.09                             19.54                             18.77                             19.07
  Non-Performing CL to Total NPL (%)                             30.22                             27.59                             29.61                             25.85
  Non-Performing CL to TLP (%)                               1.30                               1.25                               1.13                               0.96
  Non-Performing CL to CL (%)                               7.17                               6.39                               6.04                               5.04
   
  Auto Loans (AL)                           10.156                           12.116                           13.009                           14.299
  Performing                             9.531                           11.442                           12.274                           13.592
  Non-Performing                             0.625                             0.674                             0.734                             0.707
  Loan Loss Reserves                             0.022                             0.046                             0.255                             0.279
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)                         362.145                         356.686                         382.883                         393.546
  Total Non-Performing Loans (NPL)                           15.532                           16.129                           14.653                           14.641
  AL to TLP (%)                               2.80                               3.40                               3.40                               3.63
  Non-Performing AL to Total NPL (%)                               4.03                               4.18                               5.01                               4.83
  Non-Performing AL to TLP (%)                               0.17                               0.19                               0.19                               0.18
  Non-Performing AL to AL (%)                               6.16                               5.57                               5.65                               4.94
   
  Credit Card Receivables (CCR)                           41.428                           40.313                           41.144                           43.662
  Performing                           38.954                           38.184                           38.996                           41.518
  Non-Performing                             2.474                             2.129                             2.148                             2.145
  Loan Loss Reserves                             1.613                             1.742                             0.991                             0.913
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)                         362.145                         356.686                         382.883                         393.546
  Total Non-Performing Loans (NPL)                           15.532                           16.129                           14.653                           14.641
  CCR to TLP (%)                             11.44                             11.30                             10.75                             11.09
  Non-Performing CCR to Total NPL (%)                             15.93                             13.20                             14.66                             14.65
  Non-Performing CCR to TLP (%)                               0.68                               0.60                               0.56                               0.54
  Non-Performing CCR to CCR (%)                               5.97                               5.28                               5.22                               4.91
   
  Residential Real Estate Loans (RREL)                             8.204                           11.116                           11.371                           10.840
  Performing                             7.986                           10.770                           11.022                           10.458
  Non-Performing                             0.219                             0.346                             0.349                             0.381
  Loan Loss Reserves                             0.076                             0.093                             0.066                             0.069
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)                         362.145                         356.686                         382.883                         393.546
  Total Non-Performing Loans (NPL)                           15.532                           16.129                           14.653                           14.641
  RREL to TLP (%)                               2.27                               3.12                               2.97                               2.75
  Non-Performing RREL to Total NPL (%)                               1.41                               2.15                               2.39                               2.61
  Non-Performing RREL to TLP (%)                               0.06                               0.10                               0.09                               0.10
  Non-Performing RREL to RREL (%)                               2.67                               3.12                               3.07                               3.52
   
  Other Consumer Loans (OCL)                             5.716                             6.143                             6.362                             6.266
  Performing                             4.341                             4.843                             5.255                             5.714
  Non-Performing                             1.376                             1.301                             1.107                             0.552
  Loan Loss Reserves                             1.268                             1.218                             1.054                             0.548
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)                         362.145                         356.686                         382.883                         393.546
  Total Non-Performing Loans (NPL)                           15.532                           16.129                           14.653                           14.641
  OCL to TLP (%)                               1.58                               1.72                               1.66                               1.59
  Non-Performing OCL to Total NPL (%)                               8.86                               8.06                               7.56                               3.77
  Non-Performing OCL to TLP (%)                               0.38                               0.36                               0.29                               0.14
  Non-Performing OCL to OCL (%)                             24.07                             21.17                             17.40                               8.81
                   
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