42 CONSUMER LOANS 1/
 
 
Thrift Banking System 
as of end of periods indicated
in billion pesos
 
       
  Mar-12 Jun-12 Sep-12 Dec-12
         
  Consumer Loans (CL) 200.986 208.223 212.371 207.572
  Performing 188.785 195.843 199.490 195.068
  Non-Performing 12.201 12.380 12.881 12.504
  Loan Loss Reserves 9.560 9.935 9.698 9.082
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 392.646 425.510 405.171 443.617
  Total Non-Performing Loans (NPL) 26.088 24.357 25.830 26.532
  CL to TLP (%) 51.188 48.935 52.415 46.791
  Non-Performing CL to Total NPL (%) 46.770 50.829 49.868 47.127
  Non-Performing CL to TLP (%) 3.107 2.910 3.179 2.819
  Non-Performing CL to CL (%) 6.071 5.946 6.065 6.024
   
  Auto Loans (AL) 69.857 73.650 75.357 78.306
  Performing 67.030 70.658 72.096 74.817
  Non-Performing 2.827 2.992 3.261 3.488
  Loan Loss Reserves 2.239 2.446 2.419 2.410
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 392.646 425.510 405.171 443.617
  Total Non-Performing Loans (NPL) 26.088 24.357 25.830 26.532
  AL to TLP (%) 17.791 17.309 18.599 17.652
  Non-Performing AL to Total NPL (%) 10.835 12.284 12.626 13.148
  Non-Performing AL to TLP (%) 0.720 0.703 0.805 0.786
  Non-Performing AL to AL (%) 4.046 4.063 4.328 4.455
   
  Credit Card Receivables (CCR) 0.498 0.522 0.553 0.605
  Performing 0.376 0.405 0.426 0.476
  Non-Performing 0.122 0.117 0.128 0.129
  Loan Loss Reserves 0.096 0.093 0.099 0.095
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 392.646 425.510 405.171 443.617
  Total Non-Performing Loans (NPL) 26.088 24.357 25.830 26.532
  CCR to TLP (%) 0.127 0.123 0.137 0.136
  Non-Performing CCR to Total NPL (%) 0.466 0.482 0.494 0.487
  Non-Performing CCR to TLP (%) 0.031 0.028 0.032 0.029
  Non-Performing CCR to CCR (%) 24.418 22.499 23.079 21.340
   
  Residential Real Estate Loans (RREL) 100.561 104.097 106.887 100.136
  Performing 96.866 100.493 102.956 96.346
  Non-Performing 3.695 3.604 3.931 3.790
  Loan Loss Reserves 2.286 2.259 2.055 1.969
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 392.646 425.510 405.171 443.617
  Total Non-Performing Loans (NPL) 26.088 24.357 25.830 26.532
  RREL to TLP (%) 25.611 24.464 26.381 22.573
  Non-Performing RREL to Total NPL (%) 14.162 14.797 15.218 14.285
  Non-Performing RREL to TLP (%) 0.941 0.847 0.970 0.854
  Non-Performing RREL to RREL (%) 3.674 3.462 3.678 3.785
   
  Other Consumer Loans (OCL) 30.071 29.954 29.573 28.525
  Performing 24.513 24.287 24.012 23.429
  Non-Performing 5.559 5.667 5.561 5.096
  Loan Loss Reserves 4.939 5.136 5.124 4.608
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 392.646 425.510 405.171 443.617
  Total Non-Performing Loans (NPL) 26.088 24.357 25.830 26.532
  OCL to TLP (%) 7.659 7.039 7.299 6.430
  Non-Performing OCL to Total NPL (%) 21.307 23.265 21.530 19.208
  Non-Performing OCL to TLP (%) 1.416 1.332 1.373 1.149
  Non-Performing OCL to OCL (%) 18.485 18.918 18.805 17.866
                   
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