6 CONSUMER LOANS 1/
 
 
Philippine Banking System 
as of end of periods indicated
in billion pesos
 
       
  Mar-12 Jun-12 Sep-12 Dec-12
         
  Consumer Loans (CL) 563.839 587.042 601.027 629.342
  Performing 525.457 547.853 560.048 587.142
  Non-Performing 38.382 39.189 40.979 42.201
  Loan Loss Reserves 28.047 29.540 29.585 29.337
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 3,451.167 3,651.478 3,688.420 3,938.908
  Total Non-Performing Loans (NPL) 132.441 126.455 129.251 127.142
  CL to TLP (%) 16.338 16.077 16.295 15.978
  Non-Performing CL to Total NPL (%) 28.981 30.990 31.705 33.192
  Non-Performing CL to TLP (%) 1.112 1.073 1.111 1.071
  Non-Performing CL to CL (%) 6.807 6.676 6.818 6.706
   
  Auto Loans (AL) 144.838 150.312 154.827 159.877
  Performing 138.616 143.763 147.805 152.466
  Non-Performing 6.222 6.550 7.022 7.411
  Loan Loss Reserves 4.754 4.928 5.002 5.022
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 3,451.167 3,651.478 3,688.420 3,938.908
  Total Non-Performing Loans (NPL) 132.441 126.455 129.251 127.142
  AL to TLP (%) 4.197 4.116 4.198 4.059
  Non-Performing AL to Total NPL (%) 4.698 5.179 5.433 5.829
  Non-Performing AL to TLP (%) 0.180 0.179 0.190 0.188
  Non-Performing AL to AL (%) 4.296 4.357 4.535 4.636
   
  Credit Card Receivables (CCR) 131.870 136.589 139.524 148.696
  Performing 117.265 121.530 124.326 132.141
  Non-Performing 14.605 15.059 15.198 16.555
  Loan Loss Reserves 12.990 13.448 13.589 14.030
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 3,451.167 3,651.478 3,688.420 3,938.908
  Total Non-Performing Loans (NPL) 132.441 126.455 129.251 127.142
  CCR to TLP (%) 3.821 3.741 3.783 3.775
  Non-Performing CCR to Total NPL (%) 11.028 11.909 11.759 13.021
  Non-Performing CCR to TLP (%) 0.423 0.412 0.412 0.420
  Non-Performing CCR to CCR (%) 11.075 11.025 10.893 11.133
   
  Residential Real Estate Loans (RREL) 232.570 244.428 249.443 264.525
  Performing 222.789 234.684 238.762 253.626
  Non-Performing 9.781 9.744 10.681 10.899
  Loan Loss Reserves 3.781 4.189 4.017 4.312
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 3,451.167 3,651.478 3,688.420 3,938.908
  Total Non-Performing Loans (NPL) 132.441 126.455 129.251 127.142
  RREL to TLP (%) 6.739 6.694 6.763 6.716
  Non-Performing RREL to Total NPL (%) 7.385 7.705 8.264 8.572
  Non-Performing RREL to TLP (%) 0.283 0.267 0.290 0.277
  Non-Performing RREL to RREL (%) 4.206 3.986 4.282 4.120
   
  Other Consumer Loans (OCL) 54.560 55.713 57.233 56.244
  Performing 46.786 47.877 49.154 48.909
  Non-Performing 7.774 7.836 8.078 7.335
  Loan Loss Reserves 6.523 6.975 6.977 5.973
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 3,451.167 3,651.478 3,688.420 3,938.908
  Total Non-Performing Loans (NPL) 132.441 126.455 129.251 127.142
  OCL to TLP (%) 1.581 1.526 1.552 1.428
  Non-Performing OCL to Total NPL (%) 5.870 6.197 6.250 5.769
  Non-Performing OCL to TLP (%) 0.225 0.215 0.219 0.186
  Non-Performing OCL to OCL (%) 14.249 14.066 14.115 13.042
                   
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