33 CONSUMER LOANS 1/
 
 
Commercial Banking System 
as of end of periods indicated
in billion pesos
 
   
  Mar-14 Jun-14 Sep-14 Dec-14  
           
  Consumer Loans (CL) 69.138 75.929 79.325 81.868  
  Performing 66.719 73.266 74.991 77.318  
  Non-Performing 2.419 2.663 4.334 4.550  
  Loan Loss Reserves 3.082 3.122 3.246 3.173  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 361.180 378.091 377.552 346.400  
  Total Non-Performing Loans (NPL) 9.084 8.558 10.575 11.442  
  CL to TLP (%) 19.14 20.08 21.01                     23.63  
  Non-Performing CL to Total NPL (%) 26.63 31.12 40.98                     39.76  
  Non-Performing CL to TLP (%) 0.67 0.70 1.15                        1.31  
  Non-Performing CL to CL (%) 3.50 3.51 5.46                        5.56  
   
  Auto Loans (AL) 13.895 15.207 16.434 17.930  
  Performing 13.406 14.792 16.012 17.491  
  Non-Performing 0.489 0.415 0.422 0.440  
  Loan Loss Reserves 0.072 0.094 0.097 0.099  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 361.180 378.091 377.552 346.400  
  Total Non-Performing Loans (NPL) 9.084 8.558 10.575 11.442  
  AL to TLP (%) 3.85 4.02 4.35                        5.18  
  Non-Performing AL to Total NPL (%) 5.38 4.85 3.99                        3.84  
  Non-Performing AL to TLP (%) 0.14 0.11 0.11                        0.13  
  Non-Performing AL to AL (%) 3.52 2.73 2.57                        2.45  
   
  Credit Card Receivables (CCR) 32.063 33.151 33.749 33.817  
  Performing 31.091 32.227 32.775 32.972  
  Non-Performing 0.972 0.924 0.974 0.845  
  Loan Loss Reserves 0.474 0.511 0.671 0.560  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 361.180 378.091 377.552 346.400  
  Total Non-Performing Loans (NPL) 9.084 8.558 10.575 11.442  
  CCR to TLP (%) 8.88 8.77 8.94                        9.76  
  Non-Performing CCR to Total NPL (%) 10.70 10.80 9.21                        7.38  
  Non-Performing CCR to TLP (%) 0.27 0.24 0.26                        0.24  
  Non-Performing CCR to CCR (%) 3.03 2.79 2.89                        2.50  
   
  Salary Loans (SL)2/                               -   7.361 7.761 8.049  
  Performing                               -   6.943 7.363 7.611  
  Non-Performing                               -   0.418 0.398 0.438  
  Loan Loss Reserves                               -   0.225 0.223 0.212  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)                               -   378.091 377.552 346.400  
  Total Non-Performing Loans (NPL)                               -   8.558 10.575 11.442  
  SL to TLP (%)                               -   1.95 2.06                        2.32  
  Non-Performing SL to Total NPL (%)                               -   4.88 3.76                        3.83  
  Non-Performing SL to TLP (%)                               -   0.11 0.11                        0.13  
  Non-Performing SL to SL (%)                               -   5.68 5.12                        5.44  
   
  Residential Real Estate Loans (RREL) 8.476 11.105 12.389 13.340  
  Performing 8.100 10.424 11.845 12.761  
  Non-Performing 0.376 0.681 0.544 0.579  
  Loan Loss Reserves 0.081 0.149 0.155 0.221  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 361.180 378.091 377.552 346.400  
  Total Non-Performing Loans (NPL) 9.084 8.558 10.575 11.442  
  RREL to TLP (%) 2.35 2.94 3.28                        3.85  
  Non-Performing RREL to Total NPL (%) 4.14 7.96 5.15                        5.06  
  Non-Performing RREL to TLP (%) 0.10 0.18 0.14                        0.17  
  Non-Performing RREL to RREL (%) 4.44 6.14 4.39                        4.34  
   
  Other Consumer Loans (OCL) 14.703 9.104 8.992 8.731  
  Performing 14.122 8.880 6.996 6.483  
  Non-Performing 0.581 0.225 1.997 2.248  
  Loan Loss Reserves 2.455 2.142 2.100 2.081  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 361.180 378.091 377.552 346.400  
  Total Non-Performing Loans (NPL) 9.084 8.558 10.575 11.442  
  OCL to TLP (%) 4.07 2.41 2.38                        2.52  
  Non-Performing OCL to Total NPL (%) 6.40 2.62 18.88                     19.65  
  Non-Performing OCL to TLP (%) 0.16 0.06 0.53                        0.65  
  Non-Performing OCL to OCL (%) 3.95 2.47 22.20                     25.75  
                     
1/ Bank Proper only
2/ Starting June 2014
r/ Revised
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