CONSUMER LOANS (CLs) STATISTICS - By Loan Category
OF UNIVERSAL, COMMERCIAL & THRIFT BANKS (Bank Proper)
As of End 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 CONSUMER LOANS (CLs)              
TOTAL CONSUMER LOANS (CLs) 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 5,280,174              204,037                  4.02             867,385              19.66
TOTAL LOAN PORTFOLIO, net of IBL 4,252,522 4,878,906 5,093,842              214,936                  4.41             841,320              19.78
NON-PERFORMING LOANS, Gross 129,533 121,963 122,342                      380                  0.31                (7,190)              (5.55)
NON-PERFORMING LOANS, Gross (net of Non-Performing IBL) 128,192 121,123 121,440                      317                  0.26                (6,752)              (5.27)
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                    34.31                    1.09                  1.07
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                      0.80                  (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)
               
A. AUTO LOANS              
TOTAL AUTO LOANS               181,118               207,041               217,351                10,310                  4.98               36,233              20.01
      PERFORMING               172,887               198,223               207,886                   9,663                  4.88               34,999              20.24
      NON-PERFORMING                    8,231                    8,819                    9,465                      646                  7.33                 1,234              14.99
      LOAN LOSS RESERVES                    5,375                    5,269                    5,483                      214                  4.07                     108                2.01
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               122,230                      267                  0.22                (7,303)              (5.64)
NON-PERFORMING LOANS, Gross (net of Non-Performing IBL)               128,192               121,123               121,327                      205                  0.17                (6,865)              (5.36)
Total ALs to TLP, Gross (%)                      4.10                      4.08                      4.12                    0.04                  0.01
Total ALs to TLP, net of IBL (%)                      4.26                      4.24                      4.27                    0.02                  0.01
Non-Performing ALs to NPL, Gross (%)                      6.35                      7.23                      7.74                    0.51                  1.39
Non-Performing ALs to NPL, Gross (net of Non-Performing IBL) (%)                      6.42                      7.28                      7.80                    0.52                  1.38
Non-Performing ALs to TLP, Gross (%)                      0.19                      0.17                      0.18                    0.01                (0.01)
Non-Performing ALs to TLP, net of IBL (%)                      0.19                      0.18                      0.19                    0.01                (0.01)
Non-Performing ALs to Total ALs (%)                      4.54                      4.26                      4.35                    0.10                (0.19)
Loan Loss Reserves (ALs) to Non-Performing ALs (%)                    65.30                    59.75                    57.93                  (1.82)                (7.37)
               
B. CREDIT CARD RECEIVABLES               
TOTAL CREDIT CARD RECEIVABLES 151,906 157,222 156,541                    (681)                (0.43)                 4,635                3.05
      PERFORMING 134,262 142,143 142,772                      630                  0.44                 8,510                6.34
      NON-PERFORMING 17,644 15,079 13,769                 (1,311)                (8.69)                (3,875)            (21.96)
      LOAN LOSS RESERVES 13,980 11,479 9,958                 (1,521)              (13.25)                (4,023)            (28.77)
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 129,533 121,963 122,230                      267                  0.22                (7,303)              (5.64)
NON-PERFORMING LOANS, Gross (net of Non-Performing IBL) 128,192 121,123 121,327                      205                  0.17                (6,865)              (5.36)
Total CCRs to TLP, Gross (%)                      3.44 3.10 2.96                  (0.13)                (0.48)
Total CCRs to TLP, net of IBL (%)                      3.57 3.22 3.07                  (0.15)                (0.50)
Non-Performing CCRs to NPL, Gross (%)                    13.62 12.36 11.26                  (1.10)                (2.36)
Non-Performing CCRs to NPL, Gross (net of Non-Performing IBL) (%)                    13.76 12.45 11.35                  (1.10)                (2.42)
Non-Performing CCRs to TLP, Gross (%)                      0.40 0.30 0.26                  (0.04)                (0.14)
Non-Performing CCRs to TLP, net of IBL (%)                      0.41 0.31 0.27                  (0.04)                (0.14)
Non-Performing CCRs to Total CCRs (%)                    11.61 9.59 8.80                  (0.80)                (2.82)
Loan Loss Reserves (CCRs) to Non-Performing CCRs (%)                    79.24 76.12 72.32                  (3.80)                (6.92)
               
C. SALARY LOANS              
TOTAL SALARY LOANS 0 44,605 47,578        
      PERFORMING 0 42,109 44,594        
      NON-PERFORMING 0 2,496 2,984        
      LOAN LOSS RESERVES 0 1,373 1,909        
TOTAL LOAN PORTFOLIO, Gross 0 5,076,138 5,280,434        
TOTAL LOAN PORTFOLIO, net of IBL 0 4,878,905 5,094,102        
NON-PERFORMING LOANS, Gross 0 121,963 122,230        
NON-PERFORMING LOANS, Gross (net of Non-Performing IBL) 0 121,123 121,327        
Total SLs to TLP, Gross (%)                           -                             -                        0.90        
Total SLs to TLP, net of IBL (%)                           -                             -                        0.93        
Non-Performing SLs to NPL, Gross (%)                           -                             -                        2.44        
Non-Performing SLs to NPL, Gross (net of Non-Performing IBL) (%)                           -                             -                        2.46        
Non-Performing SLs to TLP, Gross (%)                           -                             -                        0.06        
Non-Performing SLs to TLP, net of IBL (%)                           -                             -                        0.06        
Non-Performing SLs to Total SLs (%)                           -                             -                        6.27        
Loan Loss Reserves (SLs) to Non-Performing SLs (%)                           -                             -                      63.97        
               
D. RESIDENTIAL REAL ESTATE LOANS               
TOTAL RESIDENTIAL REAL ESTATE 306,388 348,704 382,246                33,542                  9.62               75,858              24.76
      PERFORMING 296,578 337,487 370,903                33,415                  9.90               74,325              25.06
      NON-PERFORMING 9,810 11,217 11,343                      126                  1.13                 1,533              15.63
      LOAN LOSS RESERVES 3,715 4,551 5,820                   1,269               27.88                 2,105              56.66
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 RRELs to TLP, Gross (%)                      6.94                      6.87                      7.24                    0.37                  0.30
Total RRELs to TLP, net of IBL (%)                      7.20                      7.15                      7.50                    0.36                  0.30
Non-Performing RRELs to NPL, Gross (%)                      7.57                      9.20                      9.27                    0.08                  1.70
Non-Performing RRELs to NPL, Gross (net of Non-Performing IBL) (%)                      7.65                      9.26                      9.34                    0.08                  1.69
Non-Performing RRELs to TLP, Gross (%)                      0.22                      0.22                      0.21                  (0.01)                (0.01)
Non-Performing RRELs to TLP, net of IBL (%)                      0.23                      0.23                      0.22                  (0.01)                (0.01)
Non-Performing RRELs to Total RRELs (%)                      3.20                      3.22                      2.97                  (0.25)                (0.23)
Loan Loss Reserves (RRELs) to Non-Performing RRELs (%)                    37.87                    40.57                    51.31                 10.73                13.44
               
               
E. OTHER CONSUMER LOANS               
TOTAL OTHER CONSUMER LOANS 63,145 46,480 45,926                    (554)                (1.19)             (17,219)            (27.27)
      PERFORMING 55,774 43,574 41,508                 (2,066)                (4.74)             (14,266)            (25.58)
      NON-PERFORMING 7,371 2,906 4,418                   1,512               52.02                (2,953)            (40.06)
      LOAN LOSS RESERVES 6,110 4,451 3,846                    (605)              (13.60)                (2,264)            (37.06)
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 OCLs to TLP, Gross (%)                      1.43                      0.92                      0.87                  (0.05)                (0.56)
Total OCLs to TLP, net of IBL (%)                      1.48                      0.95                      0.90                  (0.05)                (0.58)
Non-Performing OCLs to NPL, Gross (%)                      5.69                      2.38                      3.61                    1.23                (2.08)
Non-Performing OCLs to NPL, Gross (net of Non-Performing IBL) (%)                      5.75                      2.40                      3.64                    1.24                (2.11)
Non-Performing OCLs to TLP, Gross (%)                      0.17                      0.06                      0.08                    0.03                (0.08)
Non-Performing OCLs to TLP, net of IBL (%)                      0.17                      0.06                      0.09                    0.03                (0.09)
Non-Performing OCLs to Total OCLs (%)                    11.67                      6.25                      9.62                    3.37                (2.05)
Loan Loss Reserves (OCLs) to Non-Performing OCLs (%)                    82.89                  153.15                    87.04                (66.11)                  4.16
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).