6 CONSUMER LOANS 1/
 
 
Philippine Banking System 
as of end of periods indicated
in billion pesos
 
         
  Mar-13 Jun-13 Sep-13 Dec-13  
           
  Consumer Loans (CL) 647.062 680.379 702.556 721.544  
  Performing 606.785 638.920 659.500 683.035  
  Non-Performing 40.276 41.459 43.056 38.508  
  Loan Loss Reserves 27.651 28.765 29.180 27.188  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 3,929.812 4,087.612 4,252.522 4,580.095  
  Total Non-Performing Loans (NPL) 126.284 128.755 129.533 118.237  
  CL to TLP (%) 16.48 16.64 16.52 15.75  
  Non-Performing CL to Total NPL (%) 31.89 32.23 33.24 32.57  
  Non-Performing CL to TLP (%) 1.03 1.01 1.01 0.84  
  Non-Performing CL to CL (%) 6.22 6.09 6.13 5.34  
   
  Auto Loans (AL) 167.193 176.227 181.118 186.323  
  Performing 159.584 168.246 172.887 178.554  
  Non-Performing 7.609 7.981 8.231 7.768  
  Loan Loss Reserves 4.929 4.846 5.375 5.800  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 3,929.812 4,087.612 4,252.522 4,580.095  
  Total Non-Performing Loans (NPL) 126.284 128.755 129.533 118.237  
  AL to TLP (%) 4.25 4.31 4.26 4.07  
  Non-Performing AL to Total NPL (%) 6.03 6.20 6.35 6.57  
  Non-Performing AL to TLP (%) 0.19 0.20 0.19 0.17  
  Non-Performing AL to AL (%) 4.55 4.53 4.54 4.17  
   
  Credit Card Receivables (CCR) 143.684 150.405 151.906 157.394  
  Performing 128.419 133.572 134.262 142.253  
  Non-Performing 15.265 16.833 17.644 15.141  
  Loan Loss Reserves 13.159 14.028 13.980 13.093  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 3,929.812 4,087.612 4,252.522 4,580.095  
  Total Non-Performing Loans (NPL) 126.284 128.755 129.533 118.237  
  CCR to TLP (%) 3.66 3.68 3.57 3.44  
  Non-Performing CCR to Total NPL (%) 12.09 13.07 13.62 12.81  
  Non-Performing CCR to TLP (%) 0.39 0.41 0.41 0.33  
  Non-Performing CCR to CCR (%) 10.62 11.19 11.61 9.62  
   
  Residential Real Estate Loans (RREL) 279.311 294.202 306.388 320.450  
  Performing 269.532 285.021 296.578 310.978  
  Non-Performing 9.779 9.181 9.810 9.473  
  Loan Loss Reserves 3.356 3.664 3.715 3.974  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 3,929.812 4,087.612 4,252.522 4,580.095  
  Total Non-Performing Loans (NPL) 126.284 128.755 129.533 118.237  
  RREL to TLP (%) 7.11 7.20 7.20 7.00  
  Non-Performing RREL to Total NPL (%) 7.74 7.13 7.57 8.01  
  Non-Performing RREL to TLP (%) 0.25 0.22 0.23 0.21  
  Non-Performing RREL to RREL (%) 3.50 3.12 3.20 2.96  
   
  Other Consumer Loans (OCL) 56.874 59.545 63.145 57.376  
  Performing 49.250 52.080 55.774 51.250  
  Non-Performing 7.624 7.465 7.371 6.127  
  Loan Loss Reserves 6.208 6.228 6.110 4.321  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 3,929.812 4,087.612 4,252.522 4,580.095  
  Total Non-Performing Loans (NPL) 126.284 128.755 129.533 118.237  
  OCL to TLP (%) 1.45 1.46 1.48 1.25  
  Non-Performing OCL to Total NPL (%) 6.04 5.80 5.69 5.18  
  Non-Performing OCL to TLP (%) 0.19 0.18 0.17 0.13  
  Non-Performing OCL to OCL (%) 13.41 12.54 11.67 10.68  
                     
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