28   CREDIT CARD RECEIVABLES
Universal Banking System
as of end of periods indicated
in billion pesos
PARTICULARS	March-09	June-09	September-09	December-09
Total Universal Banks
TOTAL CREDIT CARD RECEIVABLES	85.665	89.122	91.551	95.591
PERFORMING	72.319	74.955	76.783	80.703
NON-PERFORMING	13.346	14.168	14.768	14.888
TOTAL LOAN PORTFOLIO (Net of IBL)	2,115.650	2,123.630	2,084.271	2,285.209
NON-PERFORMING LOANS	104.450	104.092	103.899	99.848
TOTAL CCRs TO TLP (%)	4.05	4.20	4.39	4.18
Non-Performing CCRs to total NPLs (%)	12.78	13.61	14.21	14.91
Non-Performing CCRs to TLP (%)	0.63	0.67	0.71	0.65
Non-Performing CCRs to total CCRs (%)	15.58	15.90	16.13	15.57
Bank Proper
TOTAL CREDIT CARD RECEIVABLES	66.825	69.533	71.826	74.469
PERFORMING	56.908	58.806	60.506	62.762
NON-PERFORMING	9.917	10.728	11.320	11.707
TOTAL LOAN PORTFOLIO (Net of IBL)	1,920.836	1,924.579	1,876.847	2,050.878
NON-PERFORMING LOANS	92.149	91.486	88.734	86.254
TOTAL CCRs TO TLP (%)	3.48	3.61	3.83	3.63
Non-Performing CCRs to total NPLs (%)	10.76	11.73	12.76	13.57
Non-Performing CCRs to TLP (%)	0.52	0.56	0.60	0.57
Non-Performing CCRs to total CCRs (%)	14.84	15.43	15.76	15.72
Subsidiary
TOTAL CREDIT CARD RECEIVABLES	18.840	19.589	19.724	21.122
PERFORMING	15.411	16.149	16.277	17.941
NON-PERFORMING	3.429	3.440	3.447	3.181
TOTAL LOAN PORTFOLIO (Net of IBL)	194.814	199.051	207.423	234.331
NON-PERFORMING LOANS	12.301	12.606	15.165	13.595
TOTAL CCRs TO TLP (%)	9.67	9.84	9.51	9.01
Non-Performing CCRs to total NPLs (%)	27.87	27.29	22.73	23.40
Non-Performing CCRs to TLP (%)	1.76	1.73	1.66	1.36
Non-Performing CCRs to total CCRs (%)	18.20	17.56	17.48	15.06
Source : Supervisory Data Center, Supervision and Examination Sector
Updated as of 09 March 2010