42 CONSUMER LOANS 1/        
                   
                   
            Thrift Banking System        
                  as of end of periods indicated        
                  in billion pesos          
                   
   
  Mar-11 Jun-11 Sep-11 Dec-11
         
  Consumer Loans (CL)                               189.531                               190.351                               192.357                               194.879
  Performing                               176.697                               177.614                               179.664                               182.725
  Non-Performing                                  12.834                                  12.737                                  12.693                                  12.155
  Loan Loss Reserves                                     8.853                                     8.922                                     9.291                                     9.018
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)                               348.711                               362.816                               363.112                               385.527
  Total Non-Performing Loans (NPL)                                  25.911                                  26.036                                  26.120                                  25.742
  CL to TLP (%)                                     54.35                                     52.47                                     52.97                                     50.55
  Non-Performing CL to Total NPL (%)                                     49.53                                     48.92                                     48.59                                     47.22
  Non-Performing CL to TLP (%)                                        3.68                                        3.51                                        3.50                                        3.15
  Non-Performing CL to CL (%)                                        6.77                                        6.69                                        6.60                                        6.24
   
  Auto Loans (AL)                                  63.339                                  64.137                                  65.085                                  67.275
  Performing                                  60.895                                  61.676                                  62.419                                  64.558
  Non-Performing                                     2.443                                     2.461                                     2.666                                     2.718
  Loan Loss Reserves                                     1.757                                     1.597                                     1.748                                     1.712
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)                               348.711                               362.816                               363.112                               385.527
  Total Non-Performing Loans (NPL)                                  25.911                                  26.036                                  26.120                                  25.742
  AL to TLP (%)                                     18.16                                     17.68                                     17.92                                     17.45
  Non-Performing AL to Total NPL (%)                                        9.43                                        9.45                                     10.21                                     10.56
  Non-Performing AL to TLP (%)                                        0.70                                        0.68                                        0.73                                        0.70
  Non-Performing AL to AL (%)                                        3.86                                        3.84                                        4.10                                        4.04
   
  Credit Card Receivables (CCR)                                     0.388                                     0.404                                     0.430                                     0.481
  Performing                                     0.323                                     0.339                                     0.341                                     0.378
  Non-Performing                                     0.065                                     0.065                                     0.089                                     0.103
  Loan Loss Reserves                                     0.075                                     0.082                                     0.088                                     0.092
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)                               348.711                               362.816                               363.112                               385.527
  Total Non-Performing Loans (NPL)                                  25.911                                  26.036                                  26.120                                  25.742
  CCR to TLP (%)                                        0.11                                        0.11                                        0.12                                        0.12
  Non-Performing CCR to Total NPL (%)                                        0.25                                        0.25                                        0.34                                        0.40
  Non-Performing CCR to TLP (%)                                        0.02                                        0.02                                        0.02                                        0.03
  Non-Performing CCR to CCR (%)                                     16.67                                     16.21                                     20.72                                     21.36
   
  Residential Real Estate Loans (RREL)                                  95.184                                  94.727                                  96.859                                  96.982
  Performing                                  90.734                                  90.369                                  92.774                                  93.230
  Non-Performing                                     4.450                                     4.358                                     4.085                                     3.752
  Loan Loss Reserves                                     2.385                                     2.302                                     2.344                                     2.433
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)                               348.711                               362.816                               363.112                               385.527
  Total Non-Performing Loans (NPL)                                  25.911                                  26.036                                  26.120                                  25.742
  RREL to TLP (%)                                     27.30                                     26.11                                     26.67                                     25.16
  Non-Performing RREL to Total NPL (%)                                     17.17                                     16.74                                     15.64                                     14.57
  Non-Performing RREL to TLP (%)                                        1.28                                        1.20                                        1.13                                        0.97
  Non-Performing RREL to RREL (%)                                        4.68                                        4.60                                        4.22                                        3.87
   
  Other Consumer Loans (OCL)                                  30.621                                  31.083                                  29.982                                  30.141
  Performing                                  24.745                                  25.231                                  24.130                                  24.559
  Non-Performing                                     5.876                                     5.852                                     5.852                                     5.583
  Loan Loss Reserves                                     4.637                                     4.941                                     5.111                                     4.781
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)                               348.711                               362.816                               363.112                               385.527
  Total Non-Performing Loans (NPL)                                  25.911                                  26.036                                  26.120                                  25.742
  OCL to TLP (%)                                        8.78                                        8.57                                        8.26                                        7.82
  Non-Performing OCL to Total NPL (%)                                     22.68                                     22.48                                     22.40                                     21.69
  Non-Performing OCL to TLP (%)                                        1.69                                        1.61                                        1.61                                        1.45
    Non-Performing OCL to OCL (%)                                     19.19                                     18.83                                     19.52                                     18.52
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