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