REPORT ON  AUTO LOANS OF UNIVERSAL AND COMMERCIAL BANKS AND THRIFT BANKS (Bank Proper and Subsidiaries)
As of End Periods Indicated
(Amount In Millions)
                               
                               
Particulars March 2004 December 2004 March 2005
Bank
Proper
Subsidiaries of U/KBs Total Bank
Proper
Subsidiaries of U/KBs Total Bank
Proper
Subsidiaries of U/KBs Total
TBs NBFIs Total TBs NBFIs Total TBs NBFIs Total
TOTAL UNIVERSAL AND COMMERCIAL BANKS AND THRIFT  BANKS                        
TOTAL AUTO LOANS 19,571 27,908 196 28,104 47,676 19,400 30,538 2 30,540 49,940 21,299 34,029 3 34,032 55,331
      CURRENT 18,029 26,629 2 26,631 44,661 17,990 28,944 2 28,946 46,937 19,822 32,247 3 32,250 52,072
       PAST DUE 1,542 1,280 194 1,473 3,015 1,410 1,594 ** 1,594 3,004 1,477 1,782 0 1,782 3,259
TOTAL LOAN PORTFOLIO (net of IBL) 1,533,284 88,520 21,482 110,002 1,643,286 1,609,014 97,285 21,392 118,678 1,727,692 1,617,933 103,268 22,605 125,872 1,743,805
NON-PERFORMING LOANS 276,343 6,242 6,463 12,705 289,048 252,876 6,432 5,780 12,212 265,087 235,721 6,687 6,101 12,788 248,508
Total ALs to TLP(%)           1.28    31.53      0.91      25.55           2.90           1.21    31.39      0.01      25.73           2.89           1.32      32.95      0.01      27.04           3.17
Past Due ALs to NPLs (%)           0.56    20.50        3.0      11.60           1.04           0.56    24.78      0.00      13.05           1.13           0.63      26.65         -        13.93           1.31
Past Due ALs to TLP (%)           0.10      1.45      0.90        1.34           0.18           0.09      1.64      0.00        1.34           0.17           0.09        1.73         -          1.42           0.19
Past Due ALs to Total ALs (%)           7.88      4.59    98.83        5.24           6.32           7.27      5.22      0.11        5.22           6.01           6.94        5.24         -          5.24           5.89
                               
UNIVERSAL AND COMMERCIAL BANKS                              
TOTAL AUTO LOANS 14,074 27,908 196 28,104 42,179 14,116 30,538 2 30,540 44,657 16,292 34,029 3 34,032 50,324
      CURRENT 13,155 26,629 2 26,631 39,786 13,298 28,944 2 28,946 42,244 15,413 32,247 3 32,250 47,663
       PAST DUE 920 1,280 194 1,473 2,393 818 1,594 ** 1,594 2,412 879 1,782 0 1,782 2,661
TOTAL LOAN PORTFOLIO (net of IBL) 1,469,096 88,520 21,482 110,002 1,579,098 1,541,692 97,285 21,392 118,678 1,660,370 1,552,671 103,268 22,605 125,872 1,678,544
NON-PERFORMING LOANS 262,337 6,242 6,463 12,705 275,043 239,320 6,432 5,780 12,212 251,532 223,173 6,687 6,101 12,788 235,960
Total ALs to TLP(%) 0.96 31.53 0.91 25.55 2.67 0.92 31.39 0.01 25.73 2.69 1.05 32.95 0.01 27.04 3.00
Past Due ALs to NPLs (%) 0.35 20.50 3.00 11.60 0.87 0.34 24.78 0.00 13.05 0.96 0.39 26.65 0.00 13.93 1.13
Past Due ALs to TLP (%) 0.06 1.45 0.90 1.34 0.15 0.05 1.64 0.00 1.34 0.15 0.06 1.73 0.00 1.42 0.16
Past Due ALs to Total ALs (%) 6.53 4.59 98.83 5.24 5.67 5.80 5.22 0.11 5.22 5.40 5.39 5.24 0.00 5.24 5.29
                               
THRIFT BANKS (Solo) 1/                              
TOTAL AUTO LOANS 5,497 0 0 0 5,497 5,284 0 0 0 5,284 5,007 0 0 0 5,007
      CURRENT 4,875 4,875 4,692 4,692 4,409 4,409
       PAST DUE 622 622 592 592 599 599
TOTAL LOAN PORTFOLIO (net of IBL) 64,188 64,188 67,322 67,322 65,261 65,261
NON-PERFORMING LOANS 14,006 14,006 13,556 13,556 12,548 12,548
Total ALs to TLP(%) 8.56 8.56 7.85 7.85 7.67 7.67
Past Due ALs to NPLs (%) 4.44 4.44 4.36 4.36 4.77 4.77
Past Due ALs to TLP (%) 0.97 0.97 0.88 0.88 0.92 0.92
Past Due ALs to Total ALs (%) 11.32       11.32 11.20       11.20 11.95       11.95
1/ Exclusive of subsidiaries of U/KBs                              
**/ Less than P0.5 million