15 CONSUMER LOANS 1/
 
 
Universal and Commercial Banking System 
as of end of periods indicated
in billion pesos
 
         
  Mar-13 Jun-13 Sep-13 Dec-13  
           
  Consumer Loans (CL) 429.472 450.066 461.382 474.436  
  Performing 402.107 421.470 431.709 448.196  
  Non-Performing 27.365 28.596 29.673 26.240  
  Loan Loss Reserves 18.236 19.151 19.371 18.702  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 3,497.260 3,623.673 3,765.895 4,074.874  
  Total Non-Performing Loans (NPL) 99.357 100.912 100.638 90.509  
  CL to TLP (%) 12.28 12.42 12.25 11.64  
  Non-Performing CL to Total NPL (%) 27.54 28.34 29.48 28.99  
  Non-Performing CL to TLP (%) 0.78 0.79 0.79 0.64  
  Non-Performing CL to CL (%) 6.37 6.35 6.43 5.53  
   
  Auto Loans (AL) 85.393 89.355 91.339 92.778  
  Performing 81.301 85.121 86.948 88.784  
  Non-Performing 4.092 4.234 4.391 3.993  
  Loan Loss Reserves 2.406 2.169 2.458 2.844  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 3,497.260 3,623.673 3,765.895 4,074.874  
  Total Non-Performing Loans (NPL) 99.357 100.912 100.638 90.509  
  AL to TLP (%) 2.44 2.47 2.43 2.28  
  Non-Performing AL to Total NPL (%) 4.12 4.20 4.36 4.41  
  Non-Performing AL to TLP (%) 0.12 0.12 0.12 0.10  
  Non-Performing AL to AL (%) 4.79 4.74 4.81 4.30  
   
  Credit Card Receivables (CCR) 143.054 149.762 151.148 156.598  
  Performing 127.935 133.087 133.676 141.544  
  Non-Performing 15.119 16.675 17.472 15.054  
  Loan Loss Reserves 13.055 13.910 13.849 13.044  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 3,497.260 3,623.673 3,765.895 4,074.874  
  Total Non-Performing Loans (NPL) 99.357 100.912 100.638 90.509  
  CCR to TLP (%) 4.09 4.13 4.13 3.84  
  Non-Performing CCR to Total NPL (%) 15.22 16.52 16.52 16.63  
  Non-Performing CCR to TLP (%) 0.43 0.46 0.46 0.37  
  Non-Performing CCR to CCR (%) 10.57 11.13 11.13 9.61  
   
  Residential Real Estate Loans (RREL) 173.455 182.353 188.879 195.608  
  Performing 167.518 176.876 183.198 190.026  
  Non-Performing 5.937 5.477 5.681 5.582  
  Loan Loss Reserves 1.418 1.714 1.756 1.927  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 3,497.260 3,623.673 3,765.895 4,074.874  
  Total Non-Performing Loans (NPL) 99.357 100.912 100.638 90.509  
  RREL to TLP (%) 4.96 5.03 5.02 4.80  
  Non-Performing RREL to Total NPL (%) 5.98 5.43 5.64 6.17  
  Non-Performing RREL to TLP (%) 0.17 0.15 0.15 0.14  
  Non-Performing RREL to RREL (%) 3.42 3.00 3.01 2.85  
   
  Other Consumer Loans (OCL) 27.570 28.596 30.015 29.453  
  Performing 25.353 26.386 27.887 27.842  
  Non-Performing 2.217 2.209 2.129 1.611  
  Loan Loss Reserves 1.356 1.359 1.308 0.887  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 3,497.260 3,623.673 3,765.895 4,074.874  
  Total Non-Performing Loans (NPL) 99.357 100.912 100.638 90.509  
  OCL to TLP (%) 0.79 0.79 0.80 0.72  
  Non-Performing OCL to Total NPL (%) 2.23 2.19 2.12 1.78  
  Non-Performing OCL to TLP (%) 0.06 0.06 0.06 0.04  
  Non-Performing OCL to OCL (%) 8.04 7.73 7.09 5.47  
                     
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 17 March 2014