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Updates on the Auto Loans of Universal/Commercial Banks

07.21.2005

As of end-March 2005, the total ALs (bank proper and subsidiaries) of U/KBs and TBs reached P55.3 billion, higher by 10.8 percent from P49.9 billion last quarter and by 16.1 percent from P47.7 billion a year ago.

Likewise, the ratio of total ALs to total loan portfolio (TLP), exclusive of interbank loans (IBL) expanded to 3.2 percent from last quarter’s and year ago’s 2.9 percent. 

TBs (inclusive of subsidiaries of U/KBs) still held the lion’s share of the total auto loans of the banking system at 70.5 percent, of which 61.5 percent came from financial institution linked TBs and 9.0 percent came from non-linked TBs. U/KBs held the balance of 29.5 percent, of which 26.8 percent came from domestic U/KBs and 2.7 percent came from foreign U/KBs.

Meanwhile, the past due ALs to total ALs ratio of U/KBs and TBs (bank proper and subsidiaries) continued to improve to 5.9 percent from 6.0 percent last quarter and 6.3 percent a year ago. Further, the ratio of past due ALs to total non-performing loans of combined U/KBs and TBs inched up to 1.3 percent from last quarter’s 1.1 percent and year ago’s 1.0 percent whereas past due ALs to TLP ratio was maintained at 0.2 percent in the three comparative periods.

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