33 CONSUMER LOANS 1/
 
 
Commercial Banking System 
as of end of periods indicated
in billion pesos
 
   
  Mar-16 Jun-16 Sep-16 Dec-16  
           
  Consumer Loans (CL) 94.636 99.276 103.056 109.340  
  Performing 90.895 95.905 99.826 106.005  
  Non-Performing 3.742 3.371 3.229 3.335  
  Loan Loss Reserves 1.727 1.787 2.070 3.696  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 423.753 440.341 469.159 557.593  
  Total Non-Performing Loans (NPL) 11.287 10.763 10.709 10.254  
  CL to TLP (%) 22.33 22.55 21.97 19.61  
  Non-Performing CL to Total NPL (%) 33.15 31.32 30.16 32.53  
  Non-Performing CL to TLP (%) 0.88 0.77 0.69 0.60  
  Non-Performing CL to CL (%) 3.95 3.40 3.13 3.05  
   
  Motor Vehicle Loans (MVL) 27.291 29.363 31.281 33.191  
  Performing 26.205 28.440 30.344 32.174  
  Non-Performing 1.085 0.924 0.937 1.017  
  Loan Loss Reserves 0.270 0.370 0.482 0.489  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 423.753 440.341 469.159 557.593  
  Total Non-Performing Loans (NPL) 11.287 10.763 10.709 10.254  
  MVL to TLP (%) 6.44 6.67 6.67 5.95  
  Non-Performing MVL to Total NPL (%) 9.62 8.58 8.75 9.92  
  Non-Performing MVL to TLP (%) 0.26 0.21 0.20 0.18  
  Non-Performing MVL to MVL (%) 3.98 3.15 3.00 3.06  
   
  Auto Loans (AL) 26.032 28.022 29.846 31.648  
  Performing 25.105 27.253 29.062 30.776  
  Non-Performing 0.927 0.769 0.784 0.872  
  Loan Loss Reserves 0.223 0.324 0.446 0.461  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 423.753 440.341 469.159 557.593  
  Total Non-Performing Loans (NPL) 11.287 10.763 10.709 10.254  
  AL to TLP (%) 6.14 6.36 6.36 5.68  
  Non-Performing AL to Total NPL (%) 8.22 7.15 7.32 8.50  
  Non-Performing AL to TLP (%) 0.22 0.17 0.17 0.16  
  Non-Performing AL to AL (%) 3.56 2.74 2.63 2.75  
   
  Motorcycle Loans (MCL) 1.259 1.342 1.435 1.543  
  Performing 1.101 1.187 1.282 1.398  
  Non-Performing 0.158 0.155 0.153 0.145  
  Loan Loss Reserves 0.048 0.046 0.036 0.028  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 423.753 440.341 469.159 557.593  
  Total Non-Performing Loans (NPL) 11.287 10.763 10.709 10.254  
  MCL to TLP (%) 0.30 0.30 0.31 0.28  
  Non-Performing MCL to Total NPL (%) 1.40 1.44 1.43 1.42  
  Non-Performing MCL to TLP (%) 0.04 0.04 0.03 0.03  
  Non-Performing MCL to MCL (%) 12.55 11.53 10.67 9.41  
   
  Credit Card Receivables (CCR) 36.813 37.873 38.258 41.374  
  Performing 35.894 36.984 37.402 40.441  
  Non-Performing 0.919 0.889 0.857 0.933  
  Loan Loss Reserves 0.497 0.491 0.531 1.899  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 423.753 440.341 469.159 557.593  
  Total Non-Performing Loans (NPL) 11.287 10.763 10.709 10.254  
  CCR to TLP (%) 8.69 8.60 8.15 7.42  
  Non-Performing CCR to Total NPL (%) 8.14 8.26 8.00 9.10  
  Non-Performing CCR to TLP (%) 0.22 0.20 0.18 0.17  
  Non-Performing CCR to CCR (%) 2.50 2.35 2.24 2.25  
   
  Salary-Based General-Purpose Consumption Loans (SBGPCL)                  10.182                  10.459                  10.759                  11.089  
  Performing                     9.475                     9.791                  10.134                  10.435  
  Non-Performing                     0.707                     0.668                     0.625                     0.654  
  Loan Loss Reserves                     0.573                     0.511                     0.525                     0.590  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)               423.753               440.341               469.159               557.593  
  Total Non-Performing Loans (NPL)                  11.287                  10.763                  10.709                  10.254  
  SBGPCL to TLP (%)                        2.40                        2.38                        2.29                        1.99  
  Non-Performing SBGPCL to Total NPL (%)                        6.26                        6.21                        5.84                        6.37  
  Non-Performing SBGPCL to TLP (%)                        0.17                        0.15                        0.13                        0.12  
  Non-Performing SBGPCL to SBGPCL (%)                        6.94                        6.39                        5.81                        5.89  
   
  Residential Real Estate Loans (RREL) 17.397 18.266 19.283 20.275  
  Performing 16.602 17.663 18.852 19.892  
  Non-Performing 0.795 0.604 0.431 0.383  
  Loan Loss Reserves 0.183 0.171 0.199 0.176  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 423.753 440.341 469.159 557.593  
  Total Non-Performing Loans (NPL) 11.287 10.763 10.709 10.254  
  RREL to TLP (%) 4.11 4.15 4.11 3.64  
  Non-Performing RREL to Total NPL (%) 7.04 5.61 4.03 3.73  
  Non-Performing RREL to TLP (%) 0.19 0.14 0.09 0.07  
  Non-Performing RREL to RREL (%) 4.57 3.30 2.24 1.89  
   
  Other Consumer Loans (OCL) 2.952 3.315 3.474 3.411  
  Performing 2.717 3.027 3.095 3.062  
  Non-Performing 0.235 0.287 0.379 0.349  
  Loan Loss Reserves 0.204 0.244 0.333 0.541  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 423.753 440.341 469.159 557.593  
  Total Non-Performing Loans (NPL) 11.287 10.763 10.709 10.254  
  OCL to TLP (%) 0.70 0.75 0.74 0.61  
  Non-Performing OCL to Total NPL (%) 2.08 2.67 3.54 3.41  
  Non-Performing OCL to TLP (%) 0.06 0.07 0.08 0.06  
  Non-Performing OCL to OCL (%) 7.97 8.66 10.91 10.24  
                     
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