15 CONSUMER LOANS 1/
 
 
Universal and Commercial Banking System 
as of end of periods indicated
in billion pesos
 
       
  Mar-12 Jun-12 Sep-12 Dec-12
         
  Consumer Loans (CL) 362.853 378.819 388.656 421.771
  Performing 336.672 352.010 360.558 392.074
  Non-Performing 26.181 26.809 28.098 29.697
  Loan Loss Reserves 18.488 19.605 19.887 20.255
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 3,058.522 3,225.968 3,283.249 3,495.291
  Total Non-Performing Loans (NPL) 106.354 102.098 103.420 100.610
  CL to TLP (%) 11.864 11.743 11.838 12.067
  Non-Performing CL to Total NPL (%) 24.617 26.258 27.169 29.517
  Non-Performing CL to TLP (%) 0.856 0.831 0.856 0.850
  Non-Performing CL to CL (%) 7.215 7.077 7.230 7.041
   
  Auto Loans (AL) 74.981 76.662 79.470 81.571
  Performing 71.586 73.104 75.709 77.648
  Non-Performing 3.395 3.558 3.761 3.923
  Loan Loss Reserves 2.515 2.482 2.583 2.612
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 3,058.522 3,225.968 3,283.249 3,495.291
  Total Non-Performing Loans (NPL) 106.354 102.098 103.420 100.610
  AL to TLP (%) 2.452 2.376 2.420 2.334
  Non-Performing AL to Total NPL (%) 3.192 3.484 3.636 3.899
  Non-Performing AL to TLP (%) 0.111 0.110 0.115 0.112
  Non-Performing AL to AL (%) 4.528 4.641 4.732 4.809
   
  Credit Card Receivables (CCR) 131.373 136.067 138.971 148.091
  Performing 116.889 121.125 123.901 131.665
  Non-Performing 14.483 14.942 15.070 16.426
  Loan Loss Reserves 12.894 13.355 13.490 13.935
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 3,058.522 3,225.968 3,283.249 3,495.291
  Total Non-Performing Loans (NPL) 106.354 102.098 103.420 100.610
  CCR to TLP (%) 4.295 4.218 4.233 4.237
  Non-Performing CCR to Total NPL (%) 13.618 14.634 14.572 16.326
  Non-Performing CCR to TLP (%) 0.474 0.463 0.459 0.470
  Non-Performing CCR to CCR (%) 11.025 10.981 10.844 11.092
   
  Residential Real Estate Loans (RREL) 132.010 140.331 142.556 164.389
  Performing 125.923 134.191 135.806 157.280
  Non-Performing 6.087 6.140 6.750 7.109
  Loan Loss Reserves 1.495 1.930 1.962 2.343
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 3,058.522 3,225.968 3,283.249 3,495.291
  Total Non-Performing Loans (NPL) 106.354 102.098 103.420 100.610
  RREL to TLP (%) 4.316 4.350 4.342 4.703
  Non-Performing RREL to Total NPL (%) 5.723 6.014 6.527 7.066
  Non-Performing RREL to TLP (%) 0.199 0.190 0.206 0.203
  Non-Performing RREL to RREL (%) 4.611 4.375 4.735 4.325
   
  Other Consumer Loans (OCL) 24.489 25.759 27.660 27.719
  Performing 22.274 23.590 25.142 25.480
  Non-Performing 2.216 2.170 2.517 2.239
  Loan Loss Reserves 1.584 1.839 1.852 1.364
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 3,058.522 3,225.968 3,283.249 3,495.291
  Total Non-Performing Loans (NPL) 106.354 102.098 103.420 100.610
  OCL to TLP (%) 0.801 0.799 0.842 0.793
  Non-Performing OCL to Total NPL (%) 2.083 2.125 2.434 2.225
  Non-Performing OCL to TLP (%) 0.072 0.067 0.077 0.064
  Non-Performing OCL to OCL (%) 9.048 8.423 9.100 8.077
                   
1/ Bank Proper Only
Note: Details may not add up to totals due to rounding-off
Source : Supervisory Data Center, Supervision and Examination Sector
Updated as of 6 March 2013