24 CONSUMER LOANS 1/
 
 
Universal Banking System 
as of end of periods indicated
in billion pesos
 
   
  Mar-14 Jun-14 Sep-14 Dec-14  
           
  Consumer Loans (CL) 413.115 447.752 465.980 490.252  
  Performing 388.084 421.752 441.051 464.487  
  Non-Performing 25.032 26.000 24.928 25.765  
  Loan Loss Reserves 16.551 16.856 15.246 15.128  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 3,796.326 3,946.868 4,147.874 4,528.857  
  Total Non-Performing Loans (NPL) 84.443 86.240 85.605 81.613  
  CL to TLP (%) 10.88 11.34 11.23                     10.83  
  Non-Performing CL to Total NPL (%) 29.64 30.15 29.12                     31.57  
  Non-Performing CL to TLP (%) 0.66 0.66 0.60                        0.57  
  Non-Performing CL to CL (%) 6.06 5.81 5.35                        5.26  
   
  Auto Loans (AL) 82.170 86.833 91.726 97.101  
  Performing 78.397 82.720 87.238 92.141  
  Non-Performing 3.773 4.113 4.488 4.960  
  Loan Loss Reserves 2.549 2.802 2.749 3.063  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 3,796.326 3,946.868 4,147.874 4,528.857  
  Total Non-Performing Loans (NPL) 84.443 86.240 85.605 81.613  
  AL to TLP (%) 2.16 2.20 2.21                        2.14  
  Non-Performing AL to Total NPL (%) 4.47 4.77 5.24                        6.08  
  Non-Performing AL to TLP (%) 0.10 0.10 0.11                        0.11  
  Non-Performing AL to AL (%) 4.59 4.74 4.89                        5.11  
   
  Credit Card Receivables (CCR) 120.916 123.599 122.271 129.888  
  Performing 106.701 109.520 109.559 117.333  
  Non-Performing 14.216 14.080 12.712 12.555  
  Loan Loss Reserves 11.241 10.934 9.253 8.765  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 3,796.326 3,946.868 4,147.874 4,528.857  
  Total Non-Performing Loans (NPL) 84.443 86.240 85.605 81.613  
  CCR to TLP (%) 3.19 3.13 2.95                        2.87  
  Non-Performing CCR to Total NPL (%) 16.83 16.33 14.85                     15.38  
  Non-Performing CCR to TLP (%) 0.37 0.36 0.31                        0.28  
  Non-Performing CCR to CCR (%) 11.76 11.39 10.40                        9.67  
   
  Salary Loans (SL)2/                               -   16.590 21.114 22.693  
  Performing                               -   15.854 20.249 21.960  
  Non-Performing                               -   0.736 0.865 0.733  
  Loan Loss Reserves                               -   0.375 0.515 0.408  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)                               -   3,946.868 4,147.874 4,528.857  
  Total Non-Performing Loans (NPL)                               -   86.240 85.605 81.613  
  SL to TLP (%)                               -   0.42 0.51                        0.50  
  Non-Performing SL to Total NPL (%)                               -   0.85 1.01                        0.90  
  Non-Performing SL to TLP (%)                               -   0.02 0.02                        0.02  
  Non-Performing SL to SL (%)                               -   4.44 4.10                        3.23  
   
  Residential Real Estate Loans (RREL) 187.802 202.003 212.109 221.109  
  Performing 182.035 195.949 206.129 214.644  
  Non-Performing 5.767 6.055 5.980 6.465  
  Loan Loss Reserves 2.119 2.133 2.294 2.440  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 3,796.326 3,946.868 4,147.874 4,528.857  
  Total Non-Performing Loans (NPL) 84.443 86.240 85.605 81.613  
  RREL to TLP (%) 4.95 5.12 5.11                        4.88  
  Non-Performing RREL to Total NPL (%) 6.83 7.02 6.99                        7.92  
  Non-Performing RREL to TLP (%) 0.15 0.15 0.14                        0.14  
  Non-Performing RREL to RREL (%) 3.07 3.00 2.82                        2.92  
   
  Other Consumer Loans (OCL) 22.227 18.726 18.760 19.461  
  Performing 20.951 17.710 17.876 18.409  
  Non-Performing 1.276 1.016 0.884 1.053  
  Loan Loss Reserves 0.642 0.612 0.435 0.451  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 3,796.326 3,946.868 4,147.874 4,528.857  
  Total Non-Performing Loans (NPL) 84.443 86.240 85.605 81.613  
  OCL to TLP (%) 0.59 0.47 0.45                        0.43  
  Non-Performing OCL to Total NPL (%) 1.51 1.18 1.03                        1.29  
  Non-Performing OCL to TLP (%) 0.03 0.03 0.02                        0.02  
  Non-Performing OCL to OCL (%) 5.74 5.43 4.71                        5.41  
                     
1/ Bank Proper only
2/ Started June 2014
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