Outstanding principal
₱9,581,316
15 live contracts
Amounts in arrears
₱648,064
Unpaid amortisations
Penalties accrued
₱100,963
Uncollected, cycle-posted
NPL ratio
21.0%
₱2,016,059 at 31+ DPD
Required provision
₱799,603
Per classification matrix
Arrears ageing
Exposure by bucket
Current
₱6,627,30511 acct
1–30
₱937,9512 acct
31–60
₱00 acct
61–90
₱1,772,8351 acct
91–180
₱00 acct
180+
₱243,2241 acct
Processing cycles
Day-end run for Aug 25, 2026
- Interest & penalty accrual02:14Completed
- Auto-debit instruction file03:02Completed
- Delinquency ageing & classification03:40Completed
- Subledger to GL extract—Pending
- Statement & notice generation—Pending
Remedial worklist
Highest days past due first
| Contract | Counterparty | DPD | Arrears | Class |
|---|---|---|---|---|
| LN-2026-4100 | Maribel A. Santos | 452 | 242,774.11 | Loss |
| LN-2026-4107 | Tres Marias Trading | 87 | 307,980.16 | Substandard |
| LN-2026-4117 | Tres Marias Trading | 26 | 92,808.64 | Especially mentioned |
| LSE-2026-4104 | Cristina D. Lumbao | 1 | 4,501.15 | Especially mentioned |
Product mix
Loan and lease families are co-equal
| Product | Form | Contracts | Exposure |
|---|---|---|---|
| Salary Loan — Amortised | loan | 2 | ₱418,166 |
| SME Term Loan | loan | 3 | ₱878,305 |
| Auto Financing — Discounted | loan | 4 | ₱2,805,606 |
| Equipment Finance Lease | lease | 3 | ₱3,818,970 |
| Operating Lease — Fleet | lease | 3 | ₱1,660,270 |