24 CONSUMER LOANS 1/
 
 
Universal Banking System 
as of end of periods indicated
in billion pesos
 
       
  Mar-12 Jun-12 Sep-12 Dec-12
         
  Consumer Loans (CL) 286.393 297.974 331.368 362.121
  Performing 264.076 274.941 305.384 334.977
  Non-Performing 22.317 23.033 25.984 27.144
  Loan Loss Reserves 16.497 17.215 18.575 19.004
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 2,665.127 2,822.869 2,904.407 3,122.450
  Total Non-Performing Loans (NPL) 90.129 88.620 92.725 89.865
  CL to TLP (%) 10.746 10.556 11.409 11.597
  Non-Performing CL to Total NPL (%) 24.761 25.991 28.023 30.205
  Non-Performing CL to TLP (%) 0.837 0.816 0.895 0.869
  Non-Performing CL to CL (%) 7.792 7.730 7.841 7.496
   
  Auto Loans (AL) 59.618 59.670 70.659 72.015
  Performing 56.969 56.909 67.162 68.399
  Non-Performing 2.649 2.761 3.497 3.616
  Loan Loss Reserves 2.206 2.166 2.507 2.542
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 2,665.127 2,822.869 2,904.407 3,122.450
  Total Non-Performing Loans (NPL) 90.129 88.620 92.725 89.865
  AL to TLP (%) 2.237 2.114 2.433 2.306
  Non-Performing AL to Total NPL (%) 2.939 3.115 3.771 4.024
  Non-Performing AL to TLP (%) 0.099 0.098 0.120 0.116
  Non-Performing AL to AL (%) 4.444 4.627 4.949 5.021
   
  Credit Card Receivables (CCR) 88.568 92.135 108.588 116.575
  Performing 75.953 79.039 94.255 101.471
  Non-Performing 12.614 13.096 14.333 15.105
  Loan Loss Reserves 11.722 12.214 13.028 13.290
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 2,665.127 2,822.869 2,904.407 3,122.450
  Total Non-Performing Loans (NPL) 90.129 88.620 92.725 89.865
  CCR to TLP (%) 3.323 3.264 3.739 3.733
  Non-Performing CCR to Total NPL (%) 13.996 14.777 15.458 16.808
  Non-Performing CCR to TLP (%) 0.473 0.464 0.494 0.484
  Non-Performing CCR to CCR (%) 14.243 14.214 13.200 12.957
   
  Residential Real Estate Loans (RREL) 120.417 127.696 132.821 154.326
  Performing 114.910 122.044 126.553 147.515
  Non-Performing 5.507 5.652 6.268 6.811
  Loan Loss Reserves 1.417 1.655 1.638 2.080
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 2,665.127 2,822.869 2,904.407 3,122.450
  Total Non-Performing Loans (NPL) 90.129 88.620 92.725 89.865
  RREL to TLP (%) 4.518 4.524 4.573 4.942
  Non-Performing RREL to Total NPL (%) 6.110 6.378 6.760 7.579
  Non-Performing RREL to TLP (%) 0.207 0.200 0.216 0.218
  Non-Performing RREL to RREL (%) 4.573 4.426 4.719 4.413
   
  Other Consumer Loans (OCL) 17.790 18.473 19.300 19.204
  Performing 16.244 16.949 17.414 17.592
  Non-Performing 1.547 1.524 1.886 1.612
  Loan Loss Reserves 1.153 1.179 1.403 1.092
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 2,665.127 2,822.869 2,904.407 3,122.450
  Total Non-Performing Loans (NPL) 90.129 88.620 92.725 89.865
  OCL to TLP (%) 0.668 0.654 0.665 0.615
  Non-Performing OCL to Total NPL (%) 1.716 1.720 2.034 1.794
  Non-Performing OCL to TLP (%) 0.058 0.054 0.065 0.052
  Non-Performing OCL to OCL (%) 8.693 8.251 9.772 8.394
                   
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 7 March 2013