28   CREDIT CARD RECEIVABLES
Universal Banking System
as of end of periods indicated
in billion pesos
PARTICULARS	March-11	June-11
Total Universal Banks
TOTAL CREDIT CARD RECEIVABLES	99.425	104.441
PERFORMING	83.333	87.943
NON-PERFORMING	16.091	16.498
TOTAL LOAN PORTFOLIO (Net of IBL)	2,471.140	2,772.464
NON-PERFORMING LOANS	104.375	101.782
TOTAL CCRs TO TLP (%)	4.02	3.77
Non-Performing CCRs to total NPLs (%)	15.42	16.21
Non-Performing CCRs to TLP (%)	0.65	0.60
Non-Performing CCRs to total CCRs (%)	16.18	15.80
Bank Proper
TOTAL CREDIT CARD RECEIVABLES	76.956	80.482
PERFORMING	64.139	67.214
NON-PERFORMING	12.817	13.267
TOTAL LOAN PORTFOLIO (Net of IBL)	2,228.405	2,501.761
NON-PERFORMING LOANS	89.754	87.211
TOTAL CCRs TO TLP (%)	3.45	3.22
Non-Performing CCRs to total NPLs (%)	14.28	15.21
Non-Performing CCRs to TLP (%)	0.58	0.53
Non-Performing CCRs to total CCRs (%)	16.65	16.48
Subsidiary and Affiliates
TOTAL CREDIT CARD RECEIVABLES	22.469	23.960
PERFORMING	19.194	20.729
NON-PERFORMING	3.275	3.231
TOTAL LOAN PORTFOLIO (Net of IBL)	242.736	270.702
NON-PERFORMING LOANS	14.621	14.571
TOTAL CCRs TO TLP (%)	9.26	8.85
Non-Performing CCRs to total NPLs (%)	22.40	22.17
Non-Performing CCRs to TLP (%)	1.35	1.19
Non-Performing CCRs to total CCRs (%)	14.57	13.48
Source : Supervisory Data Center, Supervision and Examination Sector
Updated as of 18 November 2011