42 CONSUMER LOANS 1/
 
 
Thrift Banking System 
as of end of periods indicated
in billion pesos
 
   
  Mar-15 Jun-15 Sep-15 Dec-15  
           
  Consumer Loans (CL) 343.185 363.832 388.462 414.375  
  Performing 329.356 349.347 371.965 396.731  
  Non-Performing 13.829 14.485 16.497 17.645  
  Loan Loss Reserves 8.595 8.650 9.697 10.157  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 595.872 633.413 665.100 687.272  
  Total Non-Performing Loans (NPL) 27.293 29.954 30.503 31.199  
  CL to TLP (%) 57.59 57.44 58.41 60.29  
  Non-Performing CL to Total NPL (%) 50.67 48.36 54.08 56.56  
  Non-Performing CL to TLP (%) 2.32 2.29 2.48 2.57  
  Non-Performing CL to CL (%) 4.03 3.98 4.25 4.26  
   
  Motor Vehicle Loans (MVL)2/ 120.794 128.408 143.077 152.556  
  Performing 115.869 123.326 136.285 145.513  
  Non-Performing 4.925 5.082 6.793 7.043  
  Loan Loss Reserves 2.690 2.831 3.794 4.287  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 595.872 633.413 665.100 687.272  
  Total Non-Performing Loans (NPL) 27.293 29.954 30.503 31.199  
  MVL to TLP (%) 20.27 20.27 21.51 22.20  
  Non-Performing MVL to Total NPL (%) 18.04 16.97 22.27 22.57  
  Non-Performing MVL to TLP (%) 0.83 0.80 1.02 1.02  
  Non-Performing MVL to MVL (%) 4.08 3.96 4.75 4.62  
   
  Auto Loans (AL)3/ 133.435 143.292  
  Performing 128.198 137.675  
  Non-Performing 5.237 5.618  
  Loan Loss Reserves 3.134 3.453  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 665.100 687.272  
  Total Non-Performing Loans (NPL) 30.503 31.199  
  AL to TLP (%) 20.06 20.85  
  Non-Performing AL to Total NPL (%) 17.17 18.01  
  Non-Performing AL to TLP (%) 0.79 0.82  
  Non-Performing AL to AL (%) 3.92 3.92  
   
  Motorcycle Loans (MCL)3/ 9.643 9.264  
  Performing 8.087 7.838  
  Non-Performing 1.556 1.425  
  Loan Loss Reserves 0.660 0.833  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 665.100 687.272  
  Total Non-Performing Loans (NPL) 30.503 31.199  
  MCL to TLP (%) 1.45 1.35  
  Non-Performing MCL to Total NPL (%) 5.10 4.57  
  Non-Performing MCL to TLP (%) 0.23 0.21  
  Non-Performing MCL to MCL (%) 16.14 15.39  
   
  Credit Card Receivables (CCR) 0.623 0.672 0.670 0.755  
  Performing 0.522 0.563 0.558 0.652  
  Non-Performing 0.101 0.109 0.112 0.104  
  Loan Loss Reserves 0.043 0.115 0.085 0.073  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 595.872 633.413 665.100 687.272  
  Total Non-Performing Loans (NPL) 27.293 29.954 30.503 31.199  
  CCR to TLP (%) 0.10 0.11 0.10 0.11  
  Non-Performing CCR to Total NPL (%) 0.37 0.36 0.37 0.33  
  Non-Performing CCR to TLP (%) 0.02 0.02 0.02 0.02  
  Non-Performing CCR to CCR (%) 16.18 16.19 16.77 13.74  
   
  Salary-Based General-Purpose Consumption Loans (SBGPCL)4/                     43.66                     49.59                     58.77                  62.516  
  Performing                     41.70                     47.57                     56.31                  60.030  
  Non-Performing                        1.96                        2.02                        2.46                     2.486  
  Loan Loss Reserves                        1.15                        1.18                        2.04                     1.854  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)                  595.87                  633.41                  665.10               687.272  
  Total Non-Performing Loans (NPL)                     27.29                     29.95                     30.50                  31.199  
  SBGPCL to TLP (%)                        7.33                        7.83                        8.84                        9.10  
  Non-Performing SBGPCL to Total NPL (%)                        7.16                        6.75                        8.06                        7.97  
  Non-Performing SBGPCL to TLP (%)                        0.33                        0.32                        0.37                        0.36  
  Non-Performing SBGPCL to SBGPCL (%)                        4.48                        4.08                        4.18                        3.98  
   
  Residential Real Estate Loans (RREL) 164.425 170.745 173.659 186.056  
  Performing 159.115 165.066 167.983 179.471  
  Non-Performing 5.310 5.679 5.676 6.585  
  Loan Loss Reserves 3.365 3.431 3.308 3.021  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 595.872 633.413 665.100 687.272  
  Total Non-Performing Loans (NPL) 27.293 29.954 30.503 31.199  
  RREL to TLP (%) 27.59 26.96 26.11 27.07  
  Non-Performing RREL to Total NPL (%) 19.46 18.96 18.61 21.11  
  Non-Performing RREL to TLP (%) 0.89 0.90 0.85 0.96  
  Non-Performing RREL to RREL (%) 3.23 3.33 3.27 3.54  
   
  Other Consumer Loans (OCL) 13.686 14.415 12.281 12.492  
  Performing 12.148 12.821 10.825 11.066  
  Non-Performing 1.539 1.594 1.456 1.427  
  Loan Loss Reserves 1.345 1.089 0.466 0.922  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 595.872 633.413 665.100 687.272  
  Total Non-Performing Loans (NPL) 27.293 29.954 30.503 31.199  
  OCL to TLP (%) 2.30 2.28 1.85 1.82  
  Non-Performing OCL to Total NPL (%) 5.64 5.32 4.77 4.57  
  Non-Performing OCL to TLP (%) 0.26 0.25 0.22 0.21  
  Non-Performing OCL to OCL (%) 11.24 11.06 11.86 11.42  
                     
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