24 CONSUMER LOANS 1/
 
 
Universal Banking System 
as of end of periods indicated
in billion pesos
 
         
  Mar-13 Jun-13 Sep-13 Dec-13  
           
  Consumer Loans (CL) 369.928 386.177 394.883 412.197  
  Performing 344.716 359.769 367.386 387.933  
  Non-Performing 25.212 26.407 27.497 24.263  
  Loan Loss Reserves 17.021 18.031 18.287 16.468  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 3,089.652 3,244.728 3,379.348 3,703.483  
  Total Non-Performing Loans (NPL) 88.337 90.323 90.025 81.673  
  CL to TLP (%) 11.97 11.90 11.69 11.13  
  Non-Performing CL to Total NPL (%) 28.54 29.24 30.54 29.71  
  Non-Performing CL to TLP (%) 0.82 0.81 0.81 0.66  
  Non-Performing CL to CL (%) 6.82 6.84 6.96 5.89  
   
  Auto Loans (AL) 75.106 78.300 79.264 80.320  
  Performing 71.347 74.459 75.274 76.693  
  Non-Performing 3.760 3.841 3.991 3.627  
  Loan Loss Reserves 2.334 2.093 2.392 2.748  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 3,089.652 3,244.728 3,379.348 3,703.483  
  Total Non-Performing Loans (NPL) 88.337 90.323 90.025 81.673  
  AL to TLP (%) 2.43 2.41 2.35 2.17  
  Non-Performing AL to Total NPL (%) 4.26 4.25 4.43 4.44  
  Non-Performing AL to TLP (%) 0.12 0.12 0.12 0.10  
  Non-Performing AL to AL (%) 5.01 4.91 5.03 4.52  
   
  Credit Card Receivables (CCR) 112.608 117.373 118.464 124.478  
  Performing 98.244 101.395 101.650 110.169  
  Non-Performing 14.364 15.978 16.814 14.309  
  Loan Loss Reserves 12.489 13.454 13.420 11.260  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 3,089.652 3,244.728 3,379.348 3,703.483  
  Total Non-Performing Loans (NPL) 88.337 90.323 90.025 81.673  
  CCR to TLP (%) 3.64 3.62 3.51 3.36  
  Non-Performing CCR to Total NPL (%) 16.26 17.69 18.68 17.52  
  Non-Performing CCR to TLP (%) 0.46 0.49 0.50 0.39  
  Non-Performing CCR to CCR (%) 12.76 13.61 14.19 11.50  
   
  Residential Real Estate Loans (RREL) 163.212 171.403 177.668 187.735  
  Performing 157.757 166.445 172.532 182.485  
  Non-Performing 5.456 4.959 5.136 5.250  
  Loan Loss Reserves 1.125 1.414 1.453 1.841  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 3,089.652 3,244.728 3,379.348 3,703.483  
  Total Non-Performing Loans (NPL) 88.337 90.323 90.025 81.673  
  RREL to TLP (%) 5.28 5.28 5.26 5.07  
  Non-Performing RREL to Total NPL (%) 6.18 5.49 5.71 6.43  
  Non-Performing RREL to TLP (%) 0.18 0.15 0.15 0.14  
  Non-Performing RREL to RREL (%) 3.34 2.89 2.89 2.80  
   
  Other Consumer Loans (OCL) 19.001 19.100 19.487 19.664  
  Performing 17.369 17.471 17.931 18.587  
  Non-Performing 1.632 1.629 1.556 1.078  
  Loan Loss Reserves 1.073 1.070 1.022 0.618  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 3,089.652 3,244.728 3,379.348 3,703.483  
  Total Non-Performing Loans (NPL) 88.337 90.323 90.025 81.673  
  OCL to TLP (%) 0.61 0.59 0.58 0.53  
  Non-Performing OCL to Total NPL (%) 1.85 1.80 1.73 1.32  
  Non-Performing OCL to TLP (%) 0.05 0.05 0.05 0.03  
  Non-Performing OCL to OCL (%) 8.59 8.53 7.98 5.48  
                     
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