33 CONSUMER LOANS 1/
 
 
Commercial Banking System 
as of end of periods indicated
in billion pesos
 
         
  Mar-13 Jun-13 Sep-13 Dec-13  
           
  Consumer Loans (CL) 59.544 63.889 66.499 62.240  
  Performing 57.391 61.701 64.323 60.262  
  Non-Performing 2.153 2.189 2.175 1.977  
  Loan Loss Reserves 1.215 1.120 1.084 2.234  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 407.607 378.945 386.547 371.391  
  Total Non-Performing Loans (NPL) 11.020 10.588 10.612 8.836  
  CL to TLP (%) 14.61 16.86 17.20 16.76  
  Non-Performing CL to Total NPL (%) 19.54 20.67 20.50 22.38  
  Non-Performing CL to TLP (%) 0.53 0.58 0.56 0.53  
  Non-Performing CL to CL (%) 3.62 3.43 3.27 3.18  
   
  Auto Loans (AL) 10.286 11.055 12.075 12.458  
  Performing 9.954 10.662 11.674 12.091  
  Non-Performing 0.332 0.393 0.401 0.367  
  Loan Loss Reserves 0.073 0.075 0.067 0.096  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 407.607 378.945 386.547 371.391  
  Total Non-Performing Loans (NPL) 11.020 10.588 10.612 8.836  
  AL to TLP (%) 2.52 2.92 3.12 3.35  
  Non-Performing AL to Total NPL (%) 3.02 3.71 3.78 4.15  
  Non-Performing AL to TLP (%) 0.08 0.10 0.10 0.10  
  Non-Performing AL to AL (%) 3.23 3.56 3.32 2.94  
   
  Credit Card Receivables (CCR) 30.446 32.389 32.684 32.120  
  Performing 29.691 31.692 32.027 31.375  
  Non-Performing 0.755 0.697 0.657 0.745  
  Loan Loss Reserves 0.566 0.456 0.428 1.784  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 407.607 378.945 386.547 371.391  
  Total Non-Performing Loans (NPL) 11.020 10.588 10.612 8.836  
  CCR to TLP (%) 7.47 8.55 8.46 8.65  
  Non-Performing CCR to Total NPL (%) 6.85 6.58 6.20 8.43  
  Non-Performing CCR to TLP (%) 0.19 0.18 0.17 0.20  
  Non-Performing CCR to CCR (%) 2.48 2.15 2.01 2.32  
   
  Residential Real Estate Loans (RREL) 10.243 10.950 11.210 7.873  
  Performing 9.762 10.431 10.666 7.541  
  Non-Performing 0.481 0.519 0.544 0.332  
  Loan Loss Reserves 0.293 0.300 0.303 0.086  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 407.607 378.945 386.547 371.391  
  Total Non-Performing Loans (NPL) 11.020 10.588 10.612 8.836  
  RREL to TLP (%) 2.51 2.89 2.90 2.12  
  Non-Performing RREL to Total NPL (%) 4.37 4.90 5.13 3.76  
  Non-Performing RREL to TLP (%) 0.12 0.14 0.14 0.09  
  Non-Performing RREL to RREL (%) 4.70 4.74 4.86 4.22  
   
  Other Consumer Loans (OCL) 8.569 9.496 10.529 9.789  
  Performing 7.985 8.915 9.956 9.256  
  Non-Performing 0.585 0.580 0.573 0.533  
  Loan Loss Reserves 0.283 0.289 0.286 0.269  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 407.607 378.945 386.547 371.391  
  Total Non-Performing Loans (NPL) 11.020 10.588 10.612 8.836  
  OCL to TLP (%) 2.10 2.51 2.72 2.64  
  Non-Performing OCL to Total NPL (%) 5.30 5.48 5.40 6.04  
  Non-Performing OCL to TLP (%) 0.14 0.15 0.15 0.14  
  Non-Performing OCL to OCL (%) 6.82 6.11 5.44 5.45  
                     
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