42 CONSUMER LOANS 1/
 
 
Thrift Banking System 
as of end of periods indicated
in billion pesos
 
         
  Mar-13 Jun-13 Sep-13 Dec-13  
           
  Consumer Loans (CL) 217.590 230.313 241.174 247.107  
  Performing 204.679 217.450 227.791 234.839  
  Non-Performing 12.911 12.863 13.383 12.268  
  Loan Loss Reserves 9.416 9.614 9.809 8.486  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 432.553 463.939 486.627 505.220  
  Total Non-Performing Loans (NPL) 26.926 27.844 28.895 27.729  
  CL to TLP (%) 50.30 49.64 49.56 48.91  
  Non-Performing CL to Total NPL (%) 47.95 46.20 46.32 44.24  
  Non-Performing CL to TLP (%) 2.98 2.77 2.75 2.43  
  Non-Performing CL to CL (%) 5.93 5.59 5.55 4.96  
   
  Auto Loans (AL) 81.801 86.872 89.779 93.545  
  Performing 78.284 83.126 85.939 89.770  
  Non-Performing 3.517 3.746 3.840 3.775  
  Loan Loss Reserves 2.523 2.677 2.917 2.956  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 432.553 463.939 486.627 505.220  
  Total Non-Performing Loans (NPL) 26.926 27.844 28.895 27.729  
  AL to TLP (%) 18.91 18.72 18.45 18.52  
  Non-Performing AL to Total NPL (%) 13.06 13.46 13.29 13.61  
  Non-Performing AL to TLP (%) 0.81 0.81 0.79 0.75  
  Non-Performing AL to AL (%) 4.30 4.31 4.28 4.04  
   
  Credit Card Receivables (CCR) 0.630 0.643 0.757 0.797  
  Performing 0.484 0.485 0.586 0.710  
  Non-Performing 0.146 0.158 0.172 0.087  
  Loan Loss Reserves 0.104 0.118 0.132 0.049  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 432.553 463.939 486.627 505.220  
  Total Non-Performing Loans (NPL) 26.926 27.844 28.895 27.604  
  CCR to TLP (%) 0.15 0.14 0.16 0.16  
  Non-Performing CCR to Total NPL (%) 0.54 0.57 0.59 0.31  
  Non-Performing CCR to TLP (%) 0.03 0.03 0.04 0.02  
  Non-Performing CCR to CCR (%) 23.11 24.55 22.66 10.89  
   
  Residential Real Estate Loans (RREL) 105.855 111.850 117.509 124.843  
  Performing 102.014 108.146 113.380 120.952  
  Non-Performing 3.841 3.704 4.129 3.891  
  Loan Loss Reserves 1.938 1.950 1.959 2.046  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 432.553 463.939 486.627 505.220  
  Total Non-Performing Loans (NPL) 26.926 27.728 28.895 27.604  
  RREL to TLP (%) 24.47 24.11 24.15 24.71  
  Non-Performing RREL to Total NPL (%) 14.27 13.36 14.29 14.10  
  Non-Performing RREL to TLP (%) 0.89 0.80 0.85 0.77  
  Non-Performing RREL to RREL (%) 3.63 3.31 3.51 3.12  
   
  Other Consumer Loans (OCL) 29.304 30.949 33.129 27.923  
  Performing 23.897 25.694 27.887 23.408  
  Non-Performing 5.408 5.255 5.243 4.515  
  Loan Loss Reserves 4.852 4.869 4.801 3.434  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 432.553 463.939 486.627 505.220  
  Total Non-Performing Loans (NPL) 26.926 27.844 28.895 27.729  
  OCL to TLP (%) 6.77 6.67 6.81 5.53  
  Non-Performing OCL to Total NPL (%) 20.08 18.87 18.14 16.28  
  Non-Performing OCL to TLP (%) 1.25 1.13 1.08 0.89  
  Non-Performing OCL to OCL (%) 18.45 16.98 15.82 16.17  
                     
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