33 CONSUMER LOANS 1/
 
 
Commercial Banking System 
as of end of periods indicated
in billion pesos
 
       
  Mar-12 Jun-12 Sep-12 Dec-12
         
  Consumer Loans (CL) 76.460 80.845 57.288 59.650
  Performing 72.596 77.069 55.174 57.097
  Non-Performing 3.864 3.776 2.114 2.553
  Loan Loss Reserves 1.990 2.391 1.312 1.251
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 393.394 403.098 378.842 372.841
  Total Non-Performing Loans (NPL) 16.224 13.478 10,695.231 10,744.947
  CL to TLP (%) 19.436 20.056 15.122 15.999
  Non-Performing CL to Total NPL (%) 23.817 28.014 0.020 0.024
  Non-Performing CL to TLP (%) 0.982 0.937 0.558 0.685
  Non-Performing CL to CL (%) 5.054 4.670 3.690 4.280
   
  Auto Loans (AL) 15.363 16.992 8.811 9.556
  Performing 14.618 16.196 8.547 9.249
  Non-Performing 0.746 0.797 0.264 0.307
  Loan Loss Reserves 0.309 0.316 0.076 0.070
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 393.394 403.098 378.842 372.841
  Total Non-Performing Loans (NPL) 16.224 13.478 10.695 10.745
  AL to TLP (%) 3.905 4.215 2.326 2.563
  Non-Performing AL to Total NPL (%) 4.596 5.911 2.467 2.856
  Non-Performing AL to TLP (%) 0.190 0.198 0.070 0.082
  Non-Performing AL to AL (%) 4.854 4.689 2.994 3.211
   
  Credit Card Receivables (CCR) 42.805 43.932 30.383 31.516
  Performing 40.936 42.086 29.646 30.195
  Non-Performing 1.869 1.846 0.737 1.321
  Loan Loss Reserves 1.172 1.140 0.462 0.645
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 393.394 403.098 378.842 372.841
  Total Non-Performing Loans (NPL) 16.224 13.478 10.695 10.745
  CCR to TLP (%) 10.881 10.898 8.020 8.453
  Non-Performing CCR to Total NPL (%) 11.521 13.695 6.889 12.296
  Non-Performing CCR to TLP (%) 0.475 0.458 0.194 0.354
  Non-Performing CCR to CCR (%) 4.367 4.202 2.425 4.192
   
  Residential Real Estate Loans (RREL) 11.593 12.635 9.735 10.063
  Performing 11.013 12.147 9.252 9.765
  Non-Performing 0.580 0.488 0.482 0.298
  Loan Loss Reserves 0.078 0.275 0.325 0.263
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 393.394 403.098 378.842 372.841
  Total Non-Performing Loans (NPL) 16.224 13.478 10.695 10.745
  RREL to TLP (%) 2.947 3.134 2.570 2.699
  Non-Performing RREL to Total NPL (%) 3.575 3.618 4.508 2.773
  Non-Performing RREL to TLP (%) 0.147 0.121 0.127 0.080
  Non-Performing RREL to RREL (%) 5.003 3.860 4.953 2.961
   
  Other Consumer Loans (OCL) 6.699 7.286 8.359 8.515
  Performing 6.030 6.641 7.728 7.888
  Non-Performing 0.669 0.646 0.631 0.627
  Loan Loss Reserves 0.431 0.660 0.449 0.273
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 393.394 403.098 378.842 372.841
  Total Non-Performing Loans (NPL) 16.224 13.478 10.695 10.745
  OCL to TLP (%) 1.703 1.808 2.207 2.284
  Non-Performing OCL to Total NPL (%) 4.125 4.790 5.901 5.834
  Non-Performing OCL to TLP (%) 0.170 0.160 0.167 0.168
  Non-Performing OCL to OCL (%) 9.990 8.860 7.550 7.362
                   
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