15 CONSUMER LOANS 1/
 
 
Universal and Commercial Banking System 
as of end of periods indicated
in billion pesos
 
   
  Mar-16 Jun-16 Sep-16 Dec-16  
           
  Consumer Loans (CL) 662.998 703.241 739.807 792.871  
  Performing 632.062 673.353 710.768 763.600  
  Non-Performing 30.936 29.888 29.039 29.271  
  Loan Loss Reserves 17.510 16.898 16.566 20.466  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 5,463.983 5,735.154 5,928.827 6,440.846  
  Total Non-Performing Loans (NPL) 97.112 98.198 98.398 93.801  
  CL to TLP (%) 12.13 12.26 12.48 12.31  
  Non-Performing CL to Total NPL (%) 31.86 30.44 29.51 31.21  
  Non-Performing CL to TLP (%) 0.57 0.52 0.49 0.45  
  Non-Performing CL to CL (%) 4.67 4.25 3.93 3.69  
   
  Motor Vehicle Loans (MVL) 163.480 179.212 186.345 203.847  
  Performing 155.601 170.862 178.438 196.233  
  Non-Performing 7.879 8.349 7.906 7.614  
  Loan Loss Reserves 4.007 4.508 4.132 4.334  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 5,463.983 5,735.154 5,928.827 6,440.846  
  Total Non-Performing Loans (NPL) 97.112 98.198 98.398 93.801  
  MVL to TLP (%) 2.99 3.12 3.14 3.16  
  Non-Performing MVL to Total NPL (%) 8.11 8.50 8.04 8.12  
  Non-Performing MVL to TLP (%) 0.14 0.15 0.13 0.12  
  Non-Performing MVL to MVL (%) 4.82 4.66 4.24 3.74  
   
  Auto Loans (AL) 162.204 177.840 184.868 202.238  
  Performing 154.484 169.646 177.115 194.769  
  Non-Performing 7.721 8.194 7.753 7.469  
  Loan Loss Reserves 3.959 4.461 4.096 4.306  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 5,463.983 5,735.154 5,928.827 6,440.846  
  Total Non-Performing Loans (NPL) 97.112 98.198 98.398 93.801  
  AL to TLP (%) 2.97 3.10 3.12 3.14  
  Non-Performing AL to Total NPL (%) 7.95 8.34 7.88 7.96  
  Non-Performing AL to TLP (%) 0.14 0.14 0.13 0.12  
  Non-Performing AL to AL (%) 4.76 4.61 4.19 3.69  
   
  Motorcycle Loans (MCL) 1.276 1.371 1.477 1.609  
  Performing 1.117 1.216 1.323 1.464  
  Non-Performing 0.159 0.155 0.154 0.146  
  Loan Loss Reserves 0.048 0.047 0.037 0.028  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 5,463.983 5,735.154 5,928.827 6,440.846  
  Total Non-Performing Loans (NPL) 97.112 98.198 98.398 93.801  
  MCL to TLP (%) 0.02 0.02 0.02 0.02  
  Non-Performing MCL to Total NPL (%) 0.16 0.16 0.16 0.16  
  Non-Performing MCL to TLP (%) 0.00 0.00 0.00 0.00  
  Non-Performing MCL to MCL (%) 12.44 11.33 10.41 9.06  
   
  Credit Card Receivables (CCR) 174.062 178.580 182.187 196.662  
  Performing 161.305 167.152 170.879 185.085  
  Non-Performing 12.757 11.428 11.308 11.578  
  Loan Loss Reserves 8.700 7.412 7.286 10.383  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 5,463.983 5,735.154 5,928.827 6,440.846  
  Total Non-Performing Loans (NPL) 97.112 98.198 98.398 93.801  
  CCR to TLP (%) 3.19 3.11 3.07 3.05  
  Non-Performing CCR to Total NPL (%) 13.14 11.64 11.49 12.34  
  Non-Performing CCR to TLP (%) 0.23 0.20 0.19 0.18  
  Non-Performing CCR to CCR (%) 7.33 6.40 6.21 5.89  
   
  Salary-Based General-Purpose Consumption Loans (SBGPCL)                  47.754                  53.478                  60.937                  64.987  
  Performing                  45.832                  51.390                  58.963                  63.054  
  Non-Performing                     1.921                     2.088                     1.974                     1.933  
  Loan Loss Reserves                     1.281                     1.356                     1.398                     1.261  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)           5,463.983           5,735.154           5,928.827           6,440.846  
  Total Non-Performing Loans (NPL)                  97.112                  98.198                  98.398                  93.801  
  SBGPCL to TLP (%)                        0.87                        0.93                        1.03                        1.01  
  Non-Performing SBGPCL to Total NPL (%)                        1.98                        2.13                        2.01                        2.06  
  Non-Performing SBGPCL to TLP (%)                        0.04                        0.04                        0.03                        0.03  
  Non-Performing SBGPCL to SBGPCL (%)                        4.02                        3.90                        3.24                        2.97  
   
  Residential Real Estate Loans (RREL) 266.103 279.460 297.673 313.329  
  Performing 258.491 272.267 290.631 305.997  
  Non-Performing 7.612 7.193 7.043 7.332  
  Loan Loss Reserves 3.050 3.116 3.158 3.609  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 5,463.983 5,735.154 5,928.827 6,440.846  
  Total Non-Performing Loans (NPL) 97.112 98.198 98.398 93.801  
  RREL to TLP (%) 4.87 4.87 5.02 4.86  
  Non-Performing RREL to Total NPL (%) 7.84 7.33 7.16 7.82  
  Non-Performing RREL to TLP (%) 0.14 0.13 0.12 0.11  
  Non-Performing RREL to RREL (%) 2.86 2.57 2.37 2.34  
   
  Other Consumer Loans (OCL) 11.600 12.512 12.665 14.045  
  Performing 10.833 11.682 11.857 13.231  
  Non-Performing 0.767 0.830 0.808 0.814  
  Loan Loss Reserves 0.472 0.506 0.593 0.880  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 5,463.983 5,735.154 5,928.827 6,440.846  
  Total Non-Performing Loans (NPL) 97.112 98.198 98.398 93.801  
  OCL to TLP (%) 0.21 0.22 0.21 0.22  
  Non-Performing OCL to Total NPL (%) 0.79 0.85 0.82 0.87  
  Non-Performing OCL to TLP (%) 0.01 0.01 0.01 0.01  
  Non-Performing OCL to OCL (%) 6.61 6.64 6.38 5.80  
                     
1/ Bank Proper Only
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 7 March 2017