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