24 CONSUMER LOANS 1/
 
 
Universal Banking System 
as of end of periods indicated
in billion pesos
 
   
  Mar-15 Jun-15 Sep-15 Dec-15  
           
  Consumer Loans (CL) 505.382 510.751 520.685 554.036  
  Performing 477.828 484.657 494.072 527.353  
  Non-Performing 27.554 26.094 26.613 26.683  
  Loan Loss Reserves 16.804 16.508 16.726 16.177  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 4,459.088 4,593.797 4,687.632 5,086.876  
  Total Non-Performing Loans (NPL) 86.706 84.855 85.834 81.779  
  CL to TLP (%) 11.33 11.12 11.11 10.89  
  Non-Performing CL to Total NPL (%) 31.78 30.75 31.01 32.63  
  Non-Performing CL to TLP (%) 0.62 0.57 0.57 0.52  
  Non-Performing CL to CL (%) 5.45 5.11 5.11 4.82  
   
  Motor Vehicle Loans (MVL)2/ 104.064 110.410 117.184 126.067  
  Performing 97.943 104.697 111.236 119.996  
  Non-Performing 6.121 5.713 5.948 6.070  
  Loan Loss Reserves 3.354 3.729 3.753 3.525  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 4,459.088 4,593.797 4,687.632 5,086.876  
  Total Non-Performing Loans (NPL) 86.706 84.855 85.834 81.779  
  MVL to TLP (%) 2.33 2.40 2.50 2.48  
  Non-Performing MVL to Total NPL (%) 7.06 6.73 6.93 7.42  
  Non-Performing MVL to TLP (%) 0.14 0.12 0.13 0.12  
  Non-Performing MVL to MVL (%) 5.88 5.17 5.08 4.82  
   
  Auto Loans (AL)3/ 117.175 126.054  
  Performing 111.228 119.985  
  Non-Performing 5.947 6.070  
  Loan Loss Reserves 3.752 3.525  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 4,687.632 5,086.876  
  Total Non-Performing Loans (NPL) 85.834 81.779  
  AL to TLP (%) 2.50 2.48  
  Non-Performing AL to Total NPL (%) 6.93 7.42  
  Non-Performing AL to TLP (%) 0.13 0.12  
  Non-Performing AL to AL (%) 5.08 4.82  
   
  Motorcycle Loans (MCL)3/ 0.008 0.012  
  Performing 0.008 0.012  
  Non-Performing 0.001 0.001  
  Loan Loss Reserves 0.000 0.000  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 4,687.632 5,076.881  
  Total Non-Performing Loans (NPL) 85.834 81.779  
  MCL to TLP (%) 0.00 0.00  
  Non-Performing MCL to Total NPL (%) 0.00 0.00  
  Non-Performing MCL to TLP (%) 0.00 0.00  
  Non-Performing MCL to MCL (%) 6.76 5.54  
   
  Credit Card Receivables (CCR) 124.764 130.659 131.046 140.922  
  Performing 112.504 118.831 118.673 128.389  
  Non-Performing 12.260 11.828 12.373 12.533  
  Loan Loss Reserves 9.417 9.145 9.347 9.001  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 4,459.088 4,593.797 4,687.632 5,086.876  
  Total Non-Performing Loans (NPL) 86.706 84.855 85.834 81.779  
  CCR to TLP (%) 2.80 2.84 2.80 2.77  
  Non-Performing CCR to Total NPL (%) 14.14 13.94 14.42 15.33  
  Non-Performing CCR to TLP (%) 0.27 0.26 0.26 0.25  
  Non-Performing CCR to CCR (%) 9.83 9.05 9.44 8.89  
   
  Salary-Based General-Purpose Consumption Loans (SBGPCL)4/                     24.51                     27.20                     30.95                  34.411  
  Performing                     23.71                     26.25                     29.90                  33.446  
  Non-Performing                        0.80                        0.95                        1.06                     0.965  
  Loan Loss Reserves                        0.47                        0.50                        0.55                     0.572  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)              4,459.09              4,593.80              4,687.63           5,086.876  
  Total Non-Performing Loans (NPL)                     86.71                     84.86                     85.83                  81.779  
  SBGPCL to TLP (%)                        0.55                        0.59                        0.66                        0.68  
  Non-Performing SBGPCL to Total NPL (%)                        0.92                        1.12                        1.23                        1.18  
  Non-Performing SBGPCL to TLP (%)                        0.02                        0.02                        0.02                        0.02  
  Non-Performing SBGPCL to SBGPCL (%)                        3.26                        3.50                        3.41                        2.80  
   
  Residential Real Estate Loans (RREL) 232.996 223.774 231.730 241.461  
  Performing 225.805 217.197 225.081 234.931  
  Non-Performing 7.191 6.577 6.650 6.529  
  Loan Loss Reserves 3.002 2.651 2.721 2.739  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 4,459.088 4,593.797 4,687.632 5,086.876  
  Total Non-Performing Loans (NPL) 86.706 84.855 85.834 81.779  
  RREL to TLP (%) 5.23 4.87 4.94 4.75  
  Non-Performing RREL to Total NPL (%) 8.29 7.75 7.75 7.98  
  Non-Performing RREL to TLP (%) 0.16 0.14 0.14 0.13  
  Non-Performing RREL to RREL (%) 3.09 2.94 2.87 2.70  
   
  Other Consumer Loans (OCL) 19.050 18.703 9.774 11.175  
  Performing 17.867 17.679 9.187 10.591  
  Non-Performing 1.183 1.024 0.587 0.585  
  Loan Loss Reserves 0.564 0.480 0.353 0.338  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 4,459.088 4,593.797 4,687.632 5,086.876  
  Total Non-Performing Loans (NPL) 86.706 84.855 85.834 81.779  
  OCL to TLP (%) 0.43 0.41 0.21 0.22  
  Non-Performing OCL to Total NPL (%) 1.36 1.21 0.68 0.72  
  Non-Performing OCL to TLP (%) 0.03 0.02 0.01 0.01  
  Non-Performing OCL to OCL (%) 6.21 5.47 6.00 5.23  
                     
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