28   CREDIT CARD RECEIVABLES       
           Universal Banking System       
           as of end of periods indicated      
           in billion pesos      
PARTICULARS March-09 June-09 September-09
   
Total Universal Banks  
     TOTAL CREDIT CARD RECEIVABLES 85.665 89.122 91.551
           PERFORMING 72.319 74.955 76.783
           NON-PERFORMING 13.346 14.168 14.768
     TOTAL LOAN PORTFOLIO (Net of IBL) 2,115.650 2,123.630 2,084.271
     NON-PERFORMING LOANS 104.450 104.092 103.899
     TOTAL CCRs TO TLP (%)                                             4.05                                             4.20                                             4.39
     Non-Performing CCRs to total NPLs (%)                                           12.78                                           13.61                                           14.21
     Non-Performing CCRs to TLP (%)                                             0.63                                             0.67                                             0.71
     Non-Performing CCRs to total CCRs (%)                                           15.58                                           15.90                                           16.13
   
Bank Proper  
     TOTAL CREDIT CARD RECEIVABLES                                         66.825                                         69.533                                         71.826
           PERFORMING                                         56.908                                         58.806                                         60.506
           NON-PERFORMING                                           9.917                                         10.728                                         11.320
     TOTAL LOAN PORTFOLIO (Net of IBL)                                    1,920.836                                    1,924.579                                    1,876.847
     NON-PERFORMING LOANS                                         92.149                                         91.486                                         88.734
     TOTAL CCRs TO TLP (%)                                             3.48                                             3.61                                             3.83
     Non-Performing CCRs to total NPLs (%)                                           10.76                                           11.73                                           12.76
     Non-Performing CCRs to TLP (%)                                             0.52                                             0.56                                             0.60
     Non-Performing CCRs to total CCRs (%)                                           14.84                                           15.43                                           15.76
   
Subsidiary  
     TOTAL CREDIT CARD RECEIVABLES                                         18.840                                         19.589                                         19.724
           PERFORMING                                         15.411                                         16.149                                         16.277
           NON-PERFORMING                                           3.429                                           3.440                                           3.447
     TOTAL LOAN PORTFOLIO (Net of IBL)                                       194.814                                       199.051                                       207.423
     NON-PERFORMING LOANS                                         12.301                                         12.606                                         15.165
     TOTAL CCRs TO TLP (%)                                             9.67                                             9.84                                             9.51
     Non-Performing CCRs to total NPLs (%)                                           27.87                                           27.29                                           22.73
     Non-Performing CCRs to TLP (%)                                             1.76                                             1.73                                             1.66
     Non-Performing CCRs to total CCRs (%)                                           18.20                                           17.56                                           17.48
       
   
   
Source : Supervisory Data Center, Supervision and Examination Sector      
Updated as of 1 December 2009