33 CONSUMER LOANS 1/
 
 
Commercial Banking System 
as of end of periods indicated
in billion pesos
 
   
  Mar-15 Jun-15 Sep-15 Dec-15  
           
  Consumer Loans (CL) 84.216 84.598 88.006 92.477  
  Performing 79.531 81.720 84.786 89.128  
  Non-Performing 4.685 2.878 3.220 3.348  
  Loan Loss Reserves 3.246 1.447 1.601 1.640  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 364.853 361.074 402.820 419.832  
  Total Non-Performing Loans (NPL) 10.659 9.267 9.407 9.819  
  CL to TLP (%) 23.08 23.43 21.85 22.03  
  Non-Performing CL to Total NPL (%) 43.95 31.05 34.23 34.10  
  Non-Performing CL to TLP (%) 1.28 0.80 0.80 0.80  
  Non-Performing CL to CL (%) 5.56 3.40 3.66 3.62  
   
  Motor Vehicle Loans (MVL)2/ 19.752 20.542 23.297 25.268  
  Performing 19.235 19.986 22.454 24.411  
  Non-Performing 0.517 0.556 0.843 0.857  
  Loan Loss Reserves 0.127 0.186 0.268 0.264  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 364.853 361.074 402.820 419.832  
  Total Non-Performing Loans (NPL) 10.659 9.267 9.407 9.819  
  MVL to TLP (%) 5.41 5.69 5.78 6.02  
  Non-Performing MVL to Total NPL (%) 4.85 6.00 8.96 8.73  
  Non-Performing MVL to TLP (%) 0.14 0.15 0.21 0.20  
  Non-Performing MVL to MVL (%) 2.62 2.71 3.62 3.39  
   
  Auto Loans (AL)3/ 22.194 24.098  
  Performing 21.502 23.390  
  Non-Performing 0.693 0.707  
  Loan Loss Reserves 0.207 0.208  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 402.820 419.832  
  Total Non-Performing Loans (NPL) 9.407 9.819  
  AL to TLP (%) 5.51 5.74  
  Non-Performing AL to Total NPL (%) 7.37 7.20  
  Non-Performing AL to TLP (%) 0.17 0.17  
  Non-Performing AL to AL (%) 3.12 2.94  
   
  Motorcycle Loans (MCL)3/ 1.103 1.170  
  Performing 0.953 1.021  
  Non-Performing 0.150 0.149  
  Loan Loss Reserves 0.061 0.057  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 402.820 429.826  
  Total Non-Performing Loans (NPL) 9.407 9.819  
  MCL to TLP (%) 0.27 0.27  
  Non-Performing MCL to Total NPL (%) 1.60 1.52  
  Non-Performing MCL to TLP (%) 0.04 0.03  
  Non-Performing MCL to MCL (%) 13.62 12.77  
   
  Credit Card Receivables (CCR) 34.456 35.124 35.856 37.576  
  Performing 33.599 34.323 34.940 36.632  
  Non-Performing 0.857 0.801 0.916 0.944  
  Loan Loss Reserves 0.571 0.518 0.514 0.516  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 364.853 361.074 402.820 419.832  
  Total Non-Performing Loans (NPL) 10.659 9.267 9.407 9.819  
  CCR to TLP (%) 9.44 9.73 8.90 8.95  
  Non-Performing CCR to Total NPL (%) 8.04 8.64 9.74 9.61  
  Non-Performing CCR to TLP (%) 0.23 0.22 0.23 0.22  
  Non-Performing CCR to CCR (%) 2.49 2.28 2.55 2.51  
   
  Salary-Based General-Purpose Consumption Loans (SBGPCL)4/                        7.95                        7.78                        7.48                     7.394  
  Performing                        7.48                        7.24                        6.91                     6.762  
  Non-Performing                        0.47                        0.54                        0.57                     0.632  
  Loan Loss Reserves                        0.24                        0.28                        0.40                     0.464  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)                  364.85                  361.07                  402.82               419.832  
  Total Non-Performing Loans (NPL)                     10.66                        9.27                        9.41                     9.819  
  SBGPCL to TLP (%)                        2.18                        2.15                        1.86                        1.76  
  Non-Performing SBGPCL to Total NPL (%)                        4.42                        5.79                        6.06                        6.44  
  Non-Performing SBGPCL to TLP (%)                        0.13                        0.15                        0.14                        0.15  
  Non-Performing SBGPCL to SBGPCL (%)                        5.93                        6.90                        7.62                        8.55  
   
  Residential Real Estate Loans (RREL) 14.021 14.656 15.558 16.504  
  Performing 13.431 14.031 14.901 15.866  
  Non-Performing 0.590 0.625 0.657 0.639  
  Loan Loss Reserves 0.214 0.206 0.200 0.189  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 364.853 361.074 402.820 419.832  
  Total Non-Performing Loans (NPL) 10.659 9.267 9.407 9.819  
  RREL to TLP (%) 3.84 4.06 3.86 3.93  
  Non-Performing RREL to Total NPL (%) 5.54 6.74 6.98 6.51  
  Non-Performing RREL to TLP (%) 0.16 0.17 0.16 0.15  
  Non-Performing RREL to RREL (%) 4.21 4.26 4.22 3.87  
   
  Other Consumer Loans (OCL) 8.034 6.499 5.813 5.734  
  Performing 5.785 6.140 5.579 5.458  
  Non-Performing 2.248 0.360 0.234 0.276  
  Loan Loss Reserves 2.091 0.261 0.215 0.207  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 364.853 361.074 402.820 419.832  
  Total Non-Performing Loans (NPL) 10.659 9.267 9.407 9.819  
  OCL to TLP (%) 2.20 1.80 1.44 1.37  
  Non-Performing OCL to Total NPL (%) 21.09 3.88 2.49 2.81  
  Non-Performing OCL to TLP (%) 0.62 0.10 0.06 0.07  
  Non-Performing OCL to OCL (%) 27.99 5.53 4.03 4.82  
                     
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