6 CONSUMER LOANS 1/
 
 
Philippine Banking System 
as of end of periods indicated
in billion pesos
 
   
  Mar-14 Jun-14 Sep-14 Dec-14r/  
           
  Consumer Loans (CL) 735.102 804.052 849.642 902.607  
  Performing 696.688 763.536 807.663 859.193  
  Non-Performing 38.414 40.516 41.979 43.414  
  Loan Loss Reserves 26.939 27.122 27.015 26.311  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 4,698.702 4,878.906 5,094.102 5,446.147  
  Total Non-Performing Loans (NPL) 120.584 121.963 122.230 118.228  
  CL to TLP (%) 15.64 16.48 16.68 16.57  
  Non-Performing CL to Total NPL (%) 31.86 33.22 34.34 36.72  
  Non-Performing CL to TLP (%) 0.82 0.83 0.82 0.80  
  Non-Performing CL to CL (%) 5.23 5.04 4.94 4.81  
   
  Auto Loans (AL) 194.373 207.041 217.351 230.124  
  Performing 186.060 198.223 207.886 220.231  
  Non-Performing 8.313 8.819 9.465 9.893  
  Loan Loss Reserves 5.053 5.269 5.483 5.596  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 4,698.702 4,878.906 5,094.102 5,446.147  
  Total Non-Performing Loans (NPL) 120.584 121.963 122.230 118.228  
  AL to TLP (%) 4.14 4.24 4.27 4.23  
  Non-Performing AL to Total NPL (%) 6.89 7.23 7.74 8.37  
  Non-Performing AL to TLP (%) 0.18 0.18 0.19 0.18  
  Non-Performing AL to AL (%) 4.28 4.26 4.35 4.30  
   
  Credit Card Receivables (CCR) 153.396 157.222 156.541 164.315  
  Performing 138.138 142.143 142.772 150.824  
  Non-Performing 15.258 15.079 13.769 13.491  
  Loan Loss Reserves 11.760 11.479 9.958 9.364  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 4,698.702 4,878.906 5,094.102 5,446.147  
  Total Non-Performing Loans (NPL) 120.584 121.963 122.230 118.228  
  CCR to TLP (%) 3.26 3.22 3.07 3.02  
  Non-Performing CCR to Total NPL (%) 12.65 12.36 11.26 11.41  
  Non-Performing CCR to TLP (%) 0.32 0.31 0.27 0.25  
  Non-Performing CCR to CCR (%) 9.95 9.59 8.80 8.21  
   
  Salary Loans (SL)2/                               -   44.605 47.578 62.053  
  Performing                               -   42.109 44.594 59.204  
  Non-Performing                               -   2.496 2.984 2.849  
  Loan Loss Reserves                               -   1.373 1.909 1.656  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)                               -   4,878.905 5,094.102 5,446.147  
  Total Non-Performing Loans (NPL)                               -   121.963 122.230 118.228  
  SL to TLP (%)                               -   0.91 0.93 1.14  
  Non-Performing SL to Total NPL (%)                               -   2.05 2.44 2.41  
  Non-Performing SL to TLP (%)                               -   0.05 0.06 0.05  
  Non-Performing SL to SL (%)                               -   5.59 6.27 4.59  
   
  Residential Real Estate Loans (RREL) 326.917 348.704 382.246 398.234  
  Performing 316.661 337.487 370.903 385.955  
  Non-Performing 10.255 11.217 11.343 12.279  
  Loan Loss Reserves 4.373 4.551 5.820 5.871  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 4,698.702 4,878.906 5,094.102 5,446.147  
  Total Non-Performing Loans (NPL) 120.584 121.963 122.230 118.228  
  RREL to TLP (%) 6.96 7.15 7.50 7.31  
  Non-Performing RREL to Total NPL (%) 8.50 9.20 9.28 10.39  
  Non-Performing RREL to TLP (%) 0.22 0.23 0.22 0.23  
  Non-Performing RREL to RREL (%) 3.14 3.22 2.97 3.08  
   
  Other Consumer Loans (OCL) 60.417 46.480 45.926 47.880  
  Performing 55.829 43.574 41.508 42.979  
  Non-Performing 4.588 2.906 4.418 4.902  
  Loan Loss Reserves 5.753 4.451 3.865 3.824  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 4,698.702 4,878.906 5,094.102 5,446.147  
  Total Non-Performing Loans (NPL) 120.584 121.963 122.230 118.228  
  OCL to TLP (%) 1.29 0.95 0.90 0.88  
  Non-Performing OCL to Total NPL (%) 3.80 2.38 3.61 4.15  
  Non-Performing OCL to TLP (%) 0.10 0.06 0.09 0.09  
  Non-Performing OCL to OCL (%) 7.59 6.25 9.62 10.24  
                     
1/ Bank Proper only
2/ Starting June 2014
r/ Revised
Note: Details may not add up to totals due to rounding-off
Source : Supervisory Data Center, Supervision and Examination Sector, Bangko Sentral ng Pilipinas
Updated as of 22 December 2015