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Quarterly Report on Exposures to Auto Loans of Commercial Banks (KBs) and Thrift Banks (TBs)

01.17.2002

As of September 30, 2001, total auto loan exposure (ALs) of KBs and TBs (bank proper and subsidiaries) expanded to P32.8 billion, 7.4 percent higher than the previous quarter and up by 10.9 percent from a year ago. AL exposure of KBs this quarter accounted for 0.6 percent of total loan portfolio (TLP). In comparison, TBs’ share stood much higher at 17.1 percent of TLP.

Total AL exposure of both KBs and TBs increased by 13.4 percent to P9.1 billion from P8.0 billion and by 5.3 percent to P23.7 billion from last quarter’s P22.5 billion, respectively.

TBs’ exposure accounted for bulk of the total AL exposure this quarter at 72.3 percent. KBs’ accounted for 27.7 percent.

Past due portion of total ALs of combined KBs and TBs this quarter totalling P1.9 billion slimmed by 1.8 percentage point to 5.7 percent compared to last quarter’s 6.3 percent and 7.5 percent same quarter last year.

Past due ratios while on a downtrend stood higher for KBs at 8.4 percent from 9.8 percent a quarter ago and 11.4 percent a year ago compared to TBs’ 4.7 percent from 5.0 percent last quarter and 6.0 percent last year.

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