6 CONSUMER LOANS 1/
 
 
Philippine Banking System 
as of end of periods indicated
in billion pesos
 
   
  Mar-15 Jun-15 Sep-15 Dec-15  
           
  Consumer Loans (CL) 932.783 959.181 997.153 1,060.888  
  Performing 886.714 915.724 950.823 1,013.212  
  Non-Performing 46.068 43.457 46.330 47.676  
  Loan Loss Reserves 28.645 26.605 28.024 27.973  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 5,419.813 5,588.284 5,755.551 6,193.980  
  Total Non-Performing Loans (NPL) 124.657 124.076 125.744 122.797  
  CL to TLP (%) 17.21 17.16 17.33 17.13  
  Non-Performing CL to Total NPL (%) 36.96 35.02 36.84 38.83  
  Non-Performing CL to TLP (%) 0.85 0.78 0.80 0.77  
  Non-Performing CL to CL (%) 4.94 4.53 4.65 4.49  
   
  Motor Vehicle Loans (MVL)2/ 244.611 259.361 283.558 303.891  
  Performing 233.048 248.010 269.975 289.920  
  Non-Performing 11.563 11.351 13.584 13.970  
  Loan Loss Reserves 6.171 6.747 7.814 8.076  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 5,419.813 5,588.284 5,755.551 6,193.980  
  Total Non-Performing Loans (NPL) 124.657 124.076 125.744 122.797  
  MVL to TLP (%) 4.51 4.64 4.93 4.91  
  Non-Performing MVL to Total NPL (%) 9.28 9.15 10.80 11.38  
  Non-Performing MVL to TLP (%) 0.21 0.20 0.24 0.23  
  Non-Performing MVL to MVL (%) 4.73 4.38 4.79 4.60  
   
  Auto Loans (AL)3/ 272.805 293.445  
  Performing 260.928 281.050  
  Non-Performing 11.877 12.395  
  Loan Loss Reserves 7.094 7.186  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 5,755.551 6,193.980  
  Total Non-Performing Loans (NPL) 125.744 122.797  
  AL to TLP (%) 4.74 4.74  
  Non-Performing AL to Total NPL (%) 9.45 10.09  
  Non-Performing AL to TLP (%) 0.21 0.20  
  Non-Performing AL to AL (%) 4.35 4.22  
   
  Motorcycle Loans (MCL)3/ 10.754 10.446  
  Performing 9.047 8.871  
  Non-Performing 1.707 1.575  
  Loan Loss Reserves 0.721 0.890  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 5,755.551 6,193.980  
  Total Non-Performing Loans (NPL) 125.744 122.797  
  MCL to TLP (%) 0.19 0.17  
  Non-Performing MCL to Total NPL (%) 1.36 1.28  
  Non-Performing MCL to TLP (%) 0.03 0.03  
  Non-Performing MCL to MCL (%) 15.87 15.08  
   
  Credit Card Receivables (CCR) 159.843 166.455 167.572 179.254  
  Performing 146.624 153.717 154.170 165.673  
  Non-Performing 13.218 12.738 13.401 13.581  
  Loan Loss Reserves 10.031 9.778 9.946 9.590  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 5,419.813 5,588.284 5,755.551 6,193.980  
  Total Non-Performing Loans (NPL) 124.657 124.076 125.744 122.797  
  CCR to TLP (%) 2.95 2.98 2.91 2.89  
  Non-Performing CCR to Total NPL (%) 10.60 10.27 10.66 11.06  
  Non-Performing CCR to TLP (%) 0.24 0.23 0.23 0.22  
  Non-Performing CCR to CCR (%) 8.27 7.65 8.00 7.58  
   
  Salary-Based General-Purpose Consumption Loans (SBGPCL)4/                     76.12                     84.57                     97.21                  104.32  
  Performing                     72.89                     81.06                     93.12                  100.24  
  Non-Performing                        3.23                        3.51                        4.08                        4.08  
  Loan Loss Reserves                        1.86                        1.96                        3.00                        2.89  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)              5,419.81              5,588.28              5,755.55              6,193.98  
  Total Non-Performing Loans (NPL)                  124.66                  124.08                  125.74                  122.80  
  SBGPCL to TLP (%)                        1.40                        1.51                        1.69                        1.68  
  Non-Performing SBGPCL to Total NPL (%)                        2.59                        2.83                        3.25                        3.32  
  Non-Performing SBGPCL to TLP (%)                        0.06                        0.06                        0.07                        0.07  
  Non-Performing SBGPCL to SBGPCL (%)                        4.24                        4.15                        4.20                        3.91  
   
  Residential Real Estate Loans (RREL) 411.441 409.175 420.948 444.021  
  Performing 398.350 396.295 407.965 430.267  
  Non-Performing 13.091 12.881 12.983 13.754  
  Loan Loss Reserves 6.581 6.288 6.229 5.950  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 5,419.813 5,588.284 5,755.551 6,193.980  
  Total Non-Performing Loans (NPL) 124.657 124.076 125.744 122.797  
  RREL to TLP (%) 7.59 7.32 7.31 7.17  
  Non-Performing RREL to Total NPL (%) 10.50 10.38 10.32 11.20  
  Non-Performing RREL to TLP (%) 0.24 0.23 0.23 0.22  
  Non-Performing RREL to RREL (%) 3.18 3.15 3.08 3.10  
   
  Other Consumer Loans (OCL) 40.770 39.617 27.869 29.402  
  Performing 35.799 36.639 25.591 27.114  
  Non-Performing 4.970 2.978 2.277 2.288  
  Loan Loss Reserves 4.000 1.829 1.034 1.467  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 5,419.813 5,588.284 5,755.551 6,193.980  
  Total Non-Performing Loans (NPL) 124.657 124.076 125.744 122.797  
  OCL to TLP (%) 0.75 0.71 0.48 0.47  
  Non-Performing OCL to Total NPL (%) 3.99 2.40 1.81 1.86  
  Non-Performing OCL to TLP (%) 0.09 0.05 0.04 0.04  
  Non-Performing OCL to OCL (%) 12.19 7.52 8.17 7.78  
                     
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