42 CONSUMER LOANS 1/
 
 
Thrift Banking System 
as of end of periods indicated
in billion pesos
 
   
  Mar-16 Jun-16 Sep-16 Dec-16  
           
  Consumer Loans (CL) 429.670 445.510 462.811 478.747  
  Performing 410.306 425.422 442.643 458.150  
  Non-Performing 19.364 20.088 20.169 20.597  
  Loan Loss Reserves 11.491 11.847 12.776 13.347  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 726.863 730.595 744.556 777.066  
  Total Non-Performing Loans (NPL) 34.346 36.158 37.414 36.654  
  CL to TLP (%) 59.11 60.98 62.16 61.61  
  Non-Performing CL to Total NPL (%) 56.38 55.56 53.91 56.19  
  Non-Performing CL to TLP (%) 2.66 2.75 2.71 2.65  
  Non-Performing CL to CL (%) 4.51 4.51 4.36 4.30  
   
  Motor Vehicle Loans (MVL) 159.623 167.475 177.925 184.511  
  Performing 152.067 159.277 170.017 176.006  
  Non-Performing 7.556 8.198 7.907 8.505  
  Loan Loss Reserves 4.819 5.248 5.928 6.350  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 726.863 730.595 744.556 777.066  
  Total Non-Performing Loans (NPL) 34.346 36.158 37.414 36.654  
  MVL to TLP (%) 21.96 22.92 23.90 23.74  
  Non-Performing MVL to Total NPL (%) 22.00 22.67 21.14 23.20  
  Non-Performing MVL to TLP (%) 1.04 1.12 1.06 1.09  
  Non-Performing MVL to MVL (%) 4.73 4.90 4.44 4.61  
   
  Auto Loans (AL) 150.095 158.694 168.039 174.194  
  Performing 143.958 151.972 161.077 166.998  
  Non-Performing 6.137 6.722 6.962 7.196  
  Loan Loss Reserves 4.060 4.503 4.997 5.092  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 726.863 730.595 744.556 777.066  
  Total Non-Performing Loans (NPL) 34.346 36.158 37.414 36.654  
  AL to TLP (%) 20.65 21.72 22.57 22.42  
  Non-Performing AL to Total NPL (%) 17.87 18.59 18.61 19.63  
  Non-Performing AL to TLP (%) 0.84 0.92 0.94 0.93  
  Non-Performing AL to AL (%) 4.09 4.24 4.14 4.13  
   
  Motorcycle Loans (MCL) 9.528 8.782 9.886 10.317  
  Performing 8.109 7.306 8.940 9.009  
  Non-Performing 1.418 1.476 0.946 1.309  
  Loan Loss Reserves 0.758 0.745 0.931 1.258  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 726.863 730.595 744.556 777.066  
  Total Non-Performing Loans (NPL) 34.346 36.158 37.414 36.654  
  MCL to TLP (%) 1.31 1.20 1.33 1.33  
  Non-Performing MCL to Total NPL (%) 4.13 4.08 2.53 3.57  
  Non-Performing MCL to TLP (%) 0.20 0.20 0.13 0.17  
  Non-Performing MCL to MCL (%) 14.89 16.81 9.57 12.69  
   
  Credit Card Receivables (CCR) 0.801 0.865 0.936 1.006  
  Performing 0.692 0.763 0.820 0.916  
  Non-Performing 0.109 0.102 0.116 0.090  
  Loan Loss Reserves 0.077 0.067 0.080 0.051  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 726.863 730.595 744.556 777.066  
  Total Non-Performing Loans (NPL) 34.346 36.158 37.414 36.654  
  CCR to TLP (%) 0.11 0.12 0.13 0.13  
  Non-Performing CCR to Total NPL (%) 0.32 0.28 0.31 0.24  
  Non-Performing CCR to TLP (%) 0.01 0.01 0.02 0.01  
  Non-Performing CCR to CCR (%) 13.60 11.75 12.40 8.92  
   
  Salary-Based General-Purpose Consumption Loans (SBGPCL)                  65.769                  68.694                  73.156                  74.502  
  Performing                  62.577                  65.335                  69.671                  71.286  
  Non-Performing                     3.192                     3.360                     3.485                     3.217  
  Loan Loss Reserves                     2.186                     2.160                     2.275                     2.174  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)               726.863               730.595               744.556               777.066  
  Total Non-Performing Loans (NPL)                  34.346                  36.158                  37.414                  36.654  
  SBGPCL to TLP (%)                        9.05                        9.40                        9.83                        9.59  
  Non-Performing SBGPCL to Total NPL (%)                        9.29                        9.29                        9.32                        8.78  
  Non-Performing SBGPCL to TLP (%)                        0.44                        0.46                        0.47                        0.41  
  Non-Performing SBGPCL to SBGPCL (%)                        4.85                        4.89                        4.76                        4.32  
   
  Residential Real Estate Loans (RREL) 190.638 196.103 199.114 206.566  
  Performing 183.865 189.293 192.043 199.296  
  Non-Performing 6.773 6.810 7.071 7.270  
  Loan Loss Reserves 3.118 3.224 3.357 3.693  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 726.863 730.595 744.556 777.066  
  Total Non-Performing Loans (NPL) 34.346 36.158 37.414 36.654  
  RREL to TLP (%) 26.23 26.84 26.74 26.58  
  Non-Performing RREL to Total NPL (%) 19.72 18.83 18.90 19.83  
  Non-Performing RREL to TLP (%) 0.93 0.93 0.95 0.94  
  Non-Performing RREL to RREL (%) 3.55 3.47 3.55 3.52  
   
  Other Consumer Loans (OCL) 12.839 12.372 11.680 12.162  
  Performing 11.105 10.753 10.092 10.646  
  Non-Performing 1.734 1.619 1.588 1.516  
  Loan Loss Reserves 1.292 1.149 1.136 1.079  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 726.863 730.595 744.556 777.066  
  Total Non-Performing Loans (NPL) 34.346 36.158 37.414 36.654  
  OCL to TLP (%) 1.77 1.69 1.57 1.57  
  Non-Performing OCL to Total NPL (%) 5.05 4.48 4.24 4.14  
  Non-Performing OCL to TLP (%) 0.24 0.22 0.21 0.20  
  Non-Performing OCL to OCL (%) 13.50 13.09 13.60 12.47  
                     
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