24 CONSUMER LOANS 1/
 
 
Universal Banking System 
as of end of periods indicated
in billion pesos
 
   
  Mar-16 Jun-16 Sep-16 Dec-16  
           
  Consumer Loans (CL) 568.362 603.965 636.752 683.530  
  Performing 541.167 577.448 610.942 657.595  
  Non-Performing 27.194 26.517 25.810 25.936  
  Loan Loss Reserves 15.784 15.112 14.496 16.771  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 5,040.230 5,294.813 5,459.668 5,883.253  
  Total Non-Performing Loans (NPL) 85.826 87.436 87.690 83.547  
  CL to TLP (%) 11.28 11.41 11.66 11.62  
  Non-Performing CL to Total NPL (%) 31.69 30.33 29.43 31.04  
  Non-Performing CL to TLP (%) 0.54 0.50 0.47 0.44  
  Non-Performing CL to CL (%) 4.78 4.39 4.05 3.79  
   
  Motor Vehicle Loans (MVL) 136.189 149.848 155.064 170.656  
  Performing 129.395 142.423 148.094 164.058  
  Non-Performing 6.794 7.426 6.969 6.598  
  Loan Loss Reserves 3.737 4.138 3.650 3.845  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 5,040.230 5,294.813 5,459.668 5,883.253  
  Total Non-Performing Loans (NPL) 85.826 87.436 87.690 83.547  
  MVL to TLP (%) 2.70 2.83 2.84 2.90  
  Non-Performing MVL to Total NPL (%) 7.92 8.49 7.95 7.90  
  Non-Performing MVL to TLP (%) 0.13 0.14 0.13 0.11  
  Non-Performing MVL to MVL (%) 4.99 4.96 4.49 3.87  
   
  Auto Loans (AL) 136.172 149.819 155.022 170.590  
  Performing 129.379 142.394 148.053 163.993  
  Non-Performing 6.793 7.425 6.969 6.597  
  Loan Loss Reserves 3.737 4.137 3.650 3.845  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 5,040.230 5,294.813 5,459.668 5,883.253  
  Total Non-Performing Loans (NPL) 85.826 87.436 87.690 83.547  
  AL to TLP (%) 2.70 2.83 2.84 2.90  
  Non-Performing AL to Total NPL (%) 7.92 8.49 7.95 7.90  
  Non-Performing AL to TLP (%) 0.13 0.14 0.13 0.11  
  Non-Performing AL to AL (%) 4.99 4.96 4.50 3.87  
   
  Motorcycle Loans (MCL) 0.017 0.030 0.042 0.066  
  Performing 0.016 0.029 0.041 0.066  
  Non-Performing 0.001 0.001 0.001 0.001  
  Loan Loss Reserves 0.000 0.000 0.000 0.000  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 5,040.230 5,294.813 5,459.668 5,883.253  
  Total Non-Performing Loans (NPL) 85.826 87.436 87.690 83.547  
  MCL to TLP (%) 0.00 0.00 0.00 0.00  
  Non-Performing MCL to Total NPL (%) 0.00 0.00 0.00 0.00  
  Non-Performing MCL to TLP (%) 0.00 0.00 0.00 0.00  
  Non-Performing MCL to MCL (%) 4.74 2.27 1.62 0.98  
   
  Credit Card Receivables (CCR) 137.249 140.706 143.929 155.288  
  Performing 125.411 130.168 133.478 144.643  
  Non-Performing 11.838 10.539 10.451 10.645  
  Loan Loss Reserves 8.203 6.921 6.754 8.484  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 5,040.230 5,294.813 5,459.668 5,883.253  
  Total Non-Performing Loans (NPL) 85.826 87.436 87.690 83.547  
  CCR to TLP (%) 2.72 2.66 2.64 2.64  
  Non-Performing CCR to Total NPL (%) 13.79 12.05 11.92 12.74  
  Non-Performing CCR to TLP (%) 0.23 0.20 0.19 0.18  
  Non-Performing CCR to CCR (%) 8.63 7.49 7.26 6.85  
   
  Salary-Based General-Purpose Consumption Loans (SBGPCL)                  37.571                  43.018                  50.178                  53.898  
  Performing                  36.357                  41.598                  48.829                  52.619  
  Non-Performing                     1.214                     1.420                     1.349                     1.279  
  Loan Loss Reserves                     0.708                     0.844                     0.873                     0.672  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)           5,040.230           5,294.813           5,459.668           5,883.253  
  Total Non-Performing Loans (NPL)                  85.826                  87.436                  87.690                  83.547  
  SBGPCL to TLP (%)                        0.75                        0.81                        0.92                        0.92  
  Non-Performing SBGPCL to Total NPL (%)                        1.41                        1.62                        1.54                        1.53  
  Non-Performing SBGPCL to TLP (%)                        0.02                        0.03                        0.02                        0.02  
  Non-Performing SBGPCL to SBGPCL (%)                        3.23                        3.30                        2.69                        2.37  
   
  Residential Real Estate Loans (RREL) 248.706 261.194 278.390 293.053  
  Performing 241.889 254.604 271.779 286.104  
  Non-Performing 6.817 6.590 6.611 6.949  
  Loan Loss Reserves 2.867 2.946 2.959 3.432  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 5,040.230 5,294.813 5,459.668 5,883.253  
  Total Non-Performing Loans (NPL) 85.826 87.436 87.690 83.547  
  RREL to TLP (%) 4.93 4.93 5.10 4.98  
  Non-Performing RREL to Total NPL (%) 7.94 7.54 7.54 8.32  
  Non-Performing RREL to TLP (%) 0.14 0.12 0.12 0.12  
  Non-Performing RREL to RREL (%) 2.74 2.52 2.37 2.37  
   
  Other Consumer Loans (OCL) 8.647 9.198 9.191 10.635  
  Performing 8.116 8.655 8.763 10.170  
  Non-Performing 0.531 0.543 0.429 0.465  
  Loan Loss Reserves 0.268 0.263 0.260 0.338  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 5,040.230 5,294.813 5,459.668 5,883.253  
  Total Non-Performing Loans (NPL) 85.826 87.436 87.690 83.547  
  OCL to TLP (%) 0.17 0.17 0.17 0.18  
  Non-Performing OCL to Total NPL (%) 0.62 0.62 0.49 0.56  
  Non-Performing OCL to TLP (%) 0.01 0.01 0.01 0.01  
  Non-Performing OCL to OCL (%) 6.15 5.91 4.66 4.37  
                     
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