15 CONSUMER LOANS 1/
 
 
Universal and Commercial Banking System 
as of end of periods indicated
in billion pesos
 
   
  Mar-15 Jun-15 Sep-15 Dec-15  
           
  Consumer Loans (CL) 589.598 595.349 608.692 646.513  
  Performing 557.359 566.378 578.859 616.481  
  Non-Performing 32.239 28.972 29.833 30.031  
  Loan Loss Reserves 20.050 17.955 18.327 17.816  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 4,823.941 4,954.871 5,090.451 5,506.708  
  Total Non-Performing Loans (NPL) 97.365 94.122 95.241 91.599  
  CL to TLP (%) 12.22 12.02 11.96 11.74  
  Non-Performing CL to Total NPL (%) 33.11 30.78 31.32 32.79  
  Non-Performing CL to TLP (%) 0.67 0.58 0.59 0.55  
  Non-Performing CL to CL (%) 5.47 4.87 4.90 4.65  
   
  Motor Vehicle Loans (MVL)2/ 123.817 130.952 140.481 151.335  
  Performing 117.178 124.684 133.690 144.408  
  Non-Performing 6.638 6.269 6.791 6.927  
  Loan Loss Reserves 3.481 3.915 4.020 3.789  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 4,823.941 4,954.871 5,090.451 5,506.708  
  Total Non-Performing Loans (NPL) 97.365 94.122 95.241 91.599  
  MVL to TLP (%) 2.57 2.64 2.76 2.75  
  Non-Performing MVL to Total NPL (%) 6.82 6.66 7.13 7.56  
  Non-Performing MVL to TLP (%) 0.14 0.13 0.13 0.13  
  Non-Performing MVL to MVL (%) 5.36 4.79 4.83 4.58  
   
  Auto Loans (AL)3/ 139.370 150.152  
  Performing 132.730 143.375  
  Non-Performing 6.640 6.777  
  Loan Loss Reserves 3.960 3.732  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 5,090.451 5,506.708  
  Total Non-Performing Loans (NPL) 95.241 91.599  
  AL to TLP (%) 2.74 2.73  
  Non-Performing AL to Total NPL (%) 6.97 7.40  
  Non-Performing AL to TLP (%) 0.13 0.12  
  Non-Performing AL to AL (%) 4.76 4.51  
   
  Motorcycle Loans (MCL)3/ 1.111 1.183  
  Performing 0.960 1.033  
  Non-Performing 0.151 0.150  
  Loan Loss Reserves 0.061 0.057  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 5,090.451 5,506.708  
  Total Non-Performing Loans (NPL) 95.241 91.599  
  MCL to TLP (%) 0.02 0.02  
  Non-Performing MCL to Total NPL (%) 0.16 0.16  
  Non-Performing MCL to TLP (%) 0.00 0.00  
  Non-Performing MCL to MCL (%) 13.57 12.69  
   
  Credit Card Receivables (CCR) 159.220 165.783 166.902 178.499  
  Performing 146.103 153.154 153.613 165.021  
  Non-Performing 13.118 12.629 13.289 13.477  
  Loan Loss Reserves 9.988 9.663 9.861 9.517  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 4,823.941 4,954.871 5,090.451 5,506.708  
  Total Non-Performing Loans (NPL) 97.365 94.122 95.241 91.599  
  CCR to TLP (%) 3.30 3.35 3.28 3.24  
  Non-Performing CCR to Total NPL (%) 13.47 13.42 13.95 14.71  
  Non-Performing CCR to TLP (%) 0.27 0.25 0.26 0.24  
  Non-Performing CCR to CCR (%) 8.24 7.62 7.96 7.55  
   
  Salary-Based General-Purpose Consumption Loans (SBGPCL)4/                     32.46                     34.98                     38.43                  41.805  
  Performing                     31.19                     33.49                     36.81                  40.207  
  Non-Performing                        1.27                        1.49                        1.63                     1.597  
  Loan Loss Reserves                        0.71                        0.78                        0.96                     1.036  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)              4,823.94              4,954.87              5,090.45           5,506.708  
  Total Non-Performing Loans (NPL)                     97.36                     94.12                     95.24                  91.599  
  SBGPCL to TLP (%)                        0.67                        0.71                        0.76                        0.76  
  Non-Performing SBGPCL to Total NPL (%)                        1.30                        1.58                        1.71                        1.74  
  Non-Performing SBGPCL to TLP (%)                        0.03                        0.03                        0.03                        0.03  
  Non-Performing SBGPCL to SBGPCL (%)                        3.91                        4.25                        4.23                        3.82  
   
  Residential Real Estate Loans (RREL) 247.017 238.430 247.289 257.965  
  Performing 239.235 231.228 239.982 250.797  
  Non-Performing 7.782 7.202 7.307 7.168  
  Loan Loss Reserves 3.216 2.857 2.922 2.928  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 4,823.941 4,954.871 5,090.451 5,506.708  
  Total Non-Performing Loans (NPL) 97.365 94.122 95.241 91.599  
  RREL to TLP (%) 5.12 4.81 4.86 4.68  
  Non-Performing RREL to Total NPL (%) 7.99 7.65 7.67 7.83  
  Non-Performing RREL to TLP (%) 0.16 0.15 0.14 0.13  
  Non-Performing RREL to RREL (%) 3.15 3.02 2.95 2.78  
   
  Other Consumer Loans (OCL) 27.084 25.202 15.587 16.909  
  Performing 23.652 23.818 14.766 16.048  
  Non-Performing 3.432 1.384 0.821 0.861  
  Loan Loss Reserves 2.654 0.741 0.567 0.545  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 4,823.941 4,954.871 5,090.451 5,506.708  
  Total Non-Performing Loans (NPL) 97.365 94.122 95.241 91.599  
  OCL to TLP (%) 0.56 0.51 0.31 0.31  
  Non-Performing OCL to Total NPL (%) 3.52 1.47 0.86 0.94  
  Non-Performing OCL to TLP (%) 0.07 0.03 0.02 0.02  
  Non-Performing OCL to OCL (%) 12.67 5.49 5.27 5.09  
                     
1/ Bank Proper Only
2/ Renamed effective Sep-2015 (formerly Auto Loans)
3/ Effective Sep-2015
4/ Starting June 2014 (formerly Salary Loans)
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 21 March 2016