CONSUMER LOANS (CLs) STATISTICS - By Bank Category
OF UNIVERSAL, COMMERCIAL BANKS & THRIFT BANKS (Bank Proper)
As of Periods Indicated
(Amount In Millions)
               
               
Particulars Sep-13 Jun-14 r/ Sep-14 r/ Increase/(Decrease)
Jun 14 - Sep 14 Sep 13 - Sep 14
Amount % Amount %
               
TOTAL UNIVERSAL AND COMMERCIAL BANKS AND THRIFT  BANKS              
TOTAL CONSUMER LOANS          702,556          804,052          849,642      45,590        5.67    147,085      20.94
      PERFORMING          659,500          763,536          807,663      44,127        5.78    148,163      22.47
      NON-PERFORMING            43,056            40,516            41,979         1,462        3.61       (1,077)      (2.50)
      LOAN LOSS RESERVES            29,180            27,122            27,015          (107)      (0.40)       (2,165)      (7.42)
TOTAL LOAN PORTFOLIO, Gross       4,412,789       5,076,138       5,280,434    204,296        4.02    867,645      19.66
TOTAL LOAN PORTFOLIO, net of IBL       4,252,522       4,878,906       5,094,102    215,196        4.41    841,580      19.79
NON-PERFORMING LOANS, Gross          129,533          121,963          122,328            365        0.30       (7,205)      (5.56)
NON-PERFORMING LOANS, Gross (net of Non-Performing IBL)          128,192          121,123          121,425            303        0.25       (6,767)      (5.28)
Total CLs to TLP, Gross (%)               15.92               15.84               16.09          0.25          0.17
Total CLs to TLP, net of IBL (%)               16.52               16.48               16.68          0.20          0.16
Non-Performing CLs to NPL, Gross (%)               33.24               33.22               34.32          1.10          1.08
Non-Performing CLs to NPL, Gross (net of Non-Performing IBL) (%)               33.59               33.45               34.57          1.12          0.98
Non-Performing CLs to TLP, Gross (%)                 0.98                 0.80                 0.79        (0.00)        (0.18)
Non-Performing CLs to TLP, net of IBL (%)                 1.01                 0.83                 0.82        (0.01)        (0.19)
Non-Performing CLs to Total CLs (%)                 6.13                 5.04                 4.94        (0.10)        (1.19)
Loan Loss Reserves (CLs) to Non-Performing CLs (%)               67.77               66.94               64.35        (2.59)        (3.42)
               
UNIVERSAL AND COMMERCIAL BANKS              
TOTAL CONSUMER LOANS          461,382          523,680          545,305      21,624        4.13      83,923      18.19
      PERFORMING          431,709          495,018          516,042      21,024        4.25      84,333      19.53
      NON-PERFORMING            29,673            28,662            29,262            600        2.09          (410)      (1.38)
      LOAN LOSS RESERVES            19,371            19,978            18,493       (1,485)      (7.43)          (878)      (4.53)
TOTAL LOAN PORTFOLIO, Gross       3,922,085       4,513,288       4,704,656    191,368        4.24    782,571      19.95
TOTAL LOAN PORTFOLIO, net of IBL       3,765,895       4,324,959       4,525,426    200,467        4.64    759,531      20.17
NON-PERFORMING LOANS, Gross          100,638            94,798            96,181         1,383        1.46       (4,457)      (4.43)
NON-PERFORMING LOANS, Gross (net of Non-Performing IBL)            99,486            94,183            95,504         1,320        1.40       (3,983)      (4.00)
Total CLs to TLP, Gross (%)               11.76               11.60               11.59        (0.01)        (0.17)
Total CLs to TLP, net of IBL (%)               12.25               12.11               12.05        (0.06)        (0.20)
Non-Performing CLs to NPL, Gross (%)               29.48               30.24               30.42          0.19          0.94
Non-Performing CLs to NPL, Gross (net of Non-Performing IBL) (%)               29.83               30.43               30.64          0.21          0.81
Non-Performing CLs to TLP, Gross (%)                 0.76                 0.64                 0.62        (0.01)        (0.13)
Non-Performing CLs to TLP, net of IBL (%)                 0.79                 0.66                 0.65        (0.02)        (0.14)
Non-Performing CLs to Total CLs (%)                 6.43                 5.47                 5.37        (0.11)        (1.07)
Loan Loss Reserves (CLs) to Non-Performing CLs (%)               65.28               69.70               63.20        (6.50)        (2.09)
               
THRIFT BANKS 1/              
TOTAL CONSUMER LOANS          241,174          280,372          304,337      23,965        8.55      63,163      26.19
      PERFORMING          227,791          268,518          291,621      23,103        8.60      63,830      28.02
      NON-PERFORMING            13,383            11,854            12,716            862        7.28          (667)      (4.98)
      LOAN LOSS RESERVES               9,809               7,145               8,522         1,378      19.29       (1,287)    (13.12)
TOTAL LOAN PORTFOLIO, Gross          490,705          562,850          575,778      12,928        2.30      85,073      17.34
TOTAL LOAN PORTFOLIO, net of IBL          486,627          553,947          568,676      14,729        2.66      82,049      16.86
NON-PERFORMING LOANS, Gross            28,895            27,165            26,147       (1,018)      (3.75)       (2,748)      (9.51)
NON-PERFORMING LOANS, Gross (net of Non-Performing IBL)            28,706            26,939            25,921       (1,018)      (3.78)       (2,784)      (9.70)
Total CLs to TLP, Gross (%)               49.15               49.81               52.86          3.04          3.71
Total CLs to TLP, net of IBL (%)               49.56               50.61               53.52          2.90          3.96
Non-Performing CLs to NPL, Gross (%)               46.32               43.64               48.63          5.00          2.32
Non-Performing CLs to NPL, Gross (net of Non-Performing IBL) (%)               46.62               44.00               49.06          5.06          2.44
Non-Performing CLs to TLP, Gross (%)                 2.73                 2.11                 2.21          0.10        (0.52)
Non-Performing CLs to TLP, net of IBL (%)                 2.75                 2.14                 2.24          0.10        (0.51)
Non-Performing CLs to Total CLs (%)                 5.55                 4.23                 4.18        (0.05)        (1.37)
Loan Loss Reserves (CLs) to Non-Performing CLs (%)               73.29               60.27               67.02          6.75        (6.28)
1/ Inclusive of TB-subsidiaries of UKBs
r/ Revised due to the amendments of Philippine Business Bank on 11 Sep 2014 and late validation of FRP of Dungganon Bank Inc (A MFTB) on 19 Aug 2014; Re-locking of Sep 2014 FRP due to the FRP of The Real Bank (A TB) and inclusion of the Sep 2014 FRP of Wealth DB (already passed validation as of re-locking date).