15 CONSUMER LOANS 1/
 
 
Universal and Commercial Banking System 
as of end of periods indicated
in billion pesos
 
   
  Mar-14 Jun-14 Sep-14 Dec-14  
           
  Consumer Loans (CL) 482.253 523.680 545.305 572.120  
  Performing 454.803 495.018 516.042 541.805  
  Non-Performing 27.450 28.662 29.262 30.315  
  Loan Loss Reserves 19.633 19.978 18.493 18.301  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 4,157.507 4,324.959 4,525.426 4,875.257  
  Total Non-Performing Loans (NPL) 93.526 94.798 96.181 93.055  
  CL to TLP (%) 11.60 12.11 12.05 11.74  
  Non-Performing CL to Total NPL (%) 29.35 30.24 30.42 32.58  
  Non-Performing CL to TLP (%) 0.66 0.66 0.65 0.62  
  Non-Performing CL to CL (%) 5.69 5.47 5.37 5.30  
                                -    
  Auto Loans (AL) 96.065 102.040 108.160 115.031  
  Performing 91.803 97.512 103.250 109.632  
  Non-Performing 4.262 4.528 4.910 5.399  
  Loan Loss Reserves 2.621 2.896 2.846 3.162  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 4,157.507 4,324.959 4,525.426 4,875.257  
  Total Non-Performing Loans (NPL) 93.526 94.798 96.181 93.055  
  AL to TLP (%) 2.31 2.36 2.39 2.36  
  Non-Performing AL to Total NPL (%) 4.56 4.78 5.10 5.80  
  Non-Performing AL to TLP (%) 0.10 0.10 0.10 0.11  
  Non-Performing AL to AL (%) 4.44 4.44 4.54 4.69  
   
  Credit Card Receivables (CCR) 152.979 156.750 156.020 163.705  
  Performing 137.792 141.747 142.334 150.305  
  Non-Performing 15.188 15.004 13.686 13.399  
  Loan Loss Reserves 11.715 11.444 9.924 9.325  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 4,157.507 4,324.959 4,525.426 4,875.257  
  Total Non-Performing Loans (NPL) 93.526 94.798 96.181 93.055  
  CCR to TLP (%) 3.68 3.62 3.45 3.36  
  Non-Performing CCR to Total NPL (%) 16.24 15.83 14.23 14.40  
  Non-Performing CCR to TLP (%) 0.37 0.35 0.30 0.27  
  Non-Performing CCR to CCR (%) 9.93 9.57 8.77 8.19  
   
  Salary Loans (SL)2/                               -   23.952 28.875 30.742  
  Performing                               -   22.797 27.612 29.571  
  Non-Performing                               -   1.154 1.263 1.171  
  Loan Loss Reserves                               -   0.600 0.738 0.620  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)                               -   4,324.959 4,525.426 4,875.257  
  Total Non-Performing Loans (NPL)                               -   94.798 96.181 93.055  
  SL to TLP (%)                               -   0.55 0.64 0.63  
  Non-Performing SL to Total NPL (%)                               -   1.22 1.31 1.26  
  Non-Performing SL to TLP (%)                               -   0.03 0.03 0.02  
  Non-Performing SL to SL (%)                               -   4.82 4.37 3.81  
   
  Residential Real Estate Loans (RREL) 196.278 213.109 224.498 234.449  
  Performing 190.135 206.373 217.974 227.405  
  Non-Performing 6.143 6.736 6.524 7.044  
  Loan Loss Reserves 2.200 2.283 2.450 2.662  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 4,157.507 4,324.959 4,525.426 4,875.257  
  Total Non-Performing Loans (NPL) 93.526 94.798 96.181 93.055  
  RREL to TLP (%) 4.72 4.93 4.96 4.81  
  Non-Performing RREL to Total NPL (%) 6.57 7.11 6.78 7.57  
  Non-Performing RREL to TLP (%) 0.15 0.16 0.14 0.14  
  Non-Performing RREL to RREL (%) 3.13 3.16 2.91 3.00  
   
  Other Consumer Loans (OCL) 36.930 27.830 27.752 28.193  
  Performing 35.073 26.589 24.872 24.892  
  Non-Performing 1.857 1.241 2.880 3.301  
  Loan Loss Reserves 3.097 2.754 2.535 2.532  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 4,157.507 4,324.959 4,525.426 4,875.257  
  Total Non-Performing Loans (NPL) 93.526 94.798 96.181 93.055  
  OCL to TLP (%) 0.89 0.64 0.61 0.58  
  Non-Performing OCL to Total NPL (%) 1.99 1.31 2.99 3.55  
  Non-Performing OCL to TLP (%) 0.04 0.03 0.06 0.07  
  Non-Performing OCL to OCL (%) 5.03 4.46 10.38 11.71  
                     
1/ Bank Proper Only
2/ Starting June 2014
Note: Details may not add up to totals due to rounding-off
Source : Supervisory Data Center, Supervision and Examination Sector, Bangko Sentral ng Pilipinas
Updated as of 23 March 2015