42 CONSUMER LOANS 1/
 
 
Thrift Banking System 
as of end of periods indicated
in billion pesos
 
   
  Mar-14 Jun-14 Sep-14 Dec-14  
           
  Consumer Loans (CL) 252.849 280.372 304.337 330.487  
  Performing 241.885 268.518 291.621 317.388  
  Non-Performing 10.964 11.854 12.716 13.099  
  Loan Loss Reserves 7.218 7.145 8.522 8.010  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 541.195 553.947 568.676 570.890  
  Total Non-Performing Loans (NPL) 27.057 27.165 26.049 25.173  
  CL to TLP (%) 46.72 50.61 53.52 57.89  
  Non-Performing CL to Total NPL (%) 40.52 43.64 48.82 52.04  
  Non-Performing CL to TLP (%) 2.03 2.14 2.24 2.29  
  Non-Performing CL to CL (%) 4.34 4.23 4.18 3.96  
   
  Auto Loans (AL) 98.308 105.001 109.191 115.093  
  Performing 94.257 100.711 104.636 110.599  
  Non-Performing 4.050 4.291 4.555 4.493  
  Loan Loss Reserves 2.431 2.373 2.637 2.434  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 541.195 553.947 568.676 570.890  
  Total Non-Performing Loans (NPL) 27.057 27.165 26.049 25.173  
  AL to TLP (%) 18.16 18.96 19.20 20.16  
  Non-Performing AL to Total NPL (%) 14.97 15.79 17.49 17.85  
  Non-Performing AL to TLP (%) 0.75 0.77 0.80 0.79  
  Non-Performing AL to AL (%) 4.12 4.09 4.17 3.90  
   
  Credit Card Receivables (CCR) 0.416 0.472 0.521 0.610  
  Performing 0.346 0.396 0.438 0.518  
  Non-Performing 0.070 0.076 0.083 0.092  
  Loan Loss Reserves 0.045 0.035 0.034 0.039  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 541.195 553.832 568.676 570.890  
  Total Non-Performing Loans (NPL) 27.057 27.136 26.049 25.173  
  CCR to TLP (%) 0.08 0.09 0.09 0.11  
  Non-Performing CCR to Total NPL (%) 0.26 0.28 0.32 0.36  
  Non-Performing CCR to TLP (%) 0.01 0.01 0.01 0.02  
  Non-Performing CCR to CCR (%) 16.93 16.06 15.90 15.01  
   
  Salary Loans (SL)2/                               -   20.653 18.704 31.311  
  Performing                               -   19.312 16.982 29.633  
  Non-Performing                               -   1.341 1.722 1.678  
  Loan Loss Reserves                               -   0.773 1.171 1.037  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)                               -   553.832 568.676 570.890  
  Total Non-Performing Loans (NPL)                               -   27.136 26.049 25.173  
  SL to TLP (%)                               -   3.73 3.29 5.48  
  Non-Performing SL to Total NPL (%)                               -   4.94 6.61 6.67  
  Non-Performing SL to TLP (%)                               -   0.24 0.30 0.29  
  Non-Performing SL to SL (%)                               -   6.50 9.20 5.36  
   
  Residential Real Estate Loans (RREL) 130.638 135.595 157.748 163.786  
  Performing 126.526 131.115 152.928 158.550  
  Non-Performing 4.112 4.481 4.819 5.235  
  Loan Loss Reserves 2.173 2.268 3.370 3.209  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 541.195 553.947 568.676 570.890  
  Total Non-Performing Loans (NPL) 27.057 27.165 26.049 25.173  
  RREL to TLP (%) 24.14 24.48 27.74 28.69  
  Non-Performing RREL to Total NPL (%) 15.20 16.49 18.50 20.80  
  Non-Performing RREL to TLP (%) 0.76 0.81 0.85 0.92  
  Non-Performing RREL to RREL (%) 3.15 3.30 3.06 3.20  
   
  Other Consumer Loans (OCL) 23.487 18.650 18.174 19.687  
  Performing 20.756 16.985 16.636 18.087  
  Non-Performing 2.731 1.666 1.538 1.600  
  Loan Loss Reserves 2.656 1.696 1.310 1.291  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 541.195 553.947 568.676 570.890  
  Total Non-Performing Loans (NPL) 27.057 27.165 26.049 25.173  
  OCL to TLP (%) 4.34 3.37 3.20 3.45  
  Non-Performing OCL to Total NPL (%) 10.09 6.13 5.90 6.36  
  Non-Performing OCL to TLP (%) 0.50 0.30 0.27 0.28  
  Non-Performing OCL to OCL (%) 11.63 8.93 8.46 8.13  
                     
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