15 CONSUMER LOANS 1/
 
 
Universal and Commercial Banking System 
as of end of periods indicated
in billion pesos
 
   
  Mar-17 Jun-17 Sep-17 Dec-17  
           
  Consumer Loans (CL) 816.882 857.496 889.308 960.899  
  Performing 785.940 824.415 856.579 926.532  
  Non-Performing 30.942 33.081 32.730 34.367  
  Loan Loss Reserves 22.163 21.810 22.933 24.038  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 6,554.147 6,861.664 7,182.283 7,617.114  
  Total Non-Performing Loans (NPL) 99.712 101.006 105.360 97.531  
  CL to TLP (%) 12.46 12.50 12.38 12.61  
  Non-Performing CL to Total NPL (%) 31.03 32.75 31.06 35.24  
  Non-Performing CL to TLP (%) 0.47 0.48 0.46 0.45  
  Non-Performing CL to CL (%) 3.79 3.86 3.68 3.58  
   
  Motor Vehicle Loans (MVL) 217.309 230.322 231.937 256.560  
  Performing 209.028 221.381 224.040 247.912  
  Non-Performing 8.281 8.941 7.897 8.648  
  Loan Loss Reserves 4.638 4.920 4.673 4.714  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 6,554.147 6,861.664 7,182.283 7,617.114  
  Total Non-Performing Loans (NPL) 99.712 101.006 105.360 97.531  
  MVL to TLP (%) 3.32 3.36 3.23 3.37  
  Non-Performing MVL to Total NPL (%) 8.31 8.85 7.50 8.87  
  Non-Performing MVL to TLP (%) 0.13 0.13 0.11 0.11  
  Non-Performing MVL to MVL (%) 3.81 3.88 3.40 3.37  
   
  Auto Loans (AL) 215.640 228.565 230.127 254.630  
  Performing 207.497 219.790 222.392 246.131  
  Non-Performing 8.144 8.775 7.735 8.500  
  Loan Loss Reserves 4.607 4.884 4.637 4.677  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 6,554.147 6,861.664 7,182.283 7,617.114  
  Total Non-Performing Loans (NPL) 99.712 101.006 105.360 97.531  
  AL to TLP (%) 3.29 3.33 3.20 3.34  
  Non-Performing AL to Total NPL (%) 8.17 8.69 7.34 8.71  
  Non-Performing AL to TLP (%) 0.12 0.13 0.11 0.11  
  Non-Performing AL to AL (%) 3.78 3.84 3.36 3.34  
   
  Motorcycle Loans (MCL) 1.669 1.757 1.810 1.930  
  Performing 1.531 1.591 1.648 1.781  
  Non-Performing 0.137 0.166 0.162 0.149  
  Loan Loss Reserves 0.031 0.035 0.036 0.037  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 6,554.147 6,861.664 7,182.283 7,617.114  
  Total Non-Performing Loans (NPL) 99.712 101.006 105.360 97.531  
  MCL to TLP (%) 0.03 0.03 0.03 0.03  
  Non-Performing MCL to Total NPL (%) 0.14 0.16 0.15 0.15  
  Non-Performing MCL to TLP (%) 0.00 0.00 0.00 0.00  
  Non-Performing MCL to MCL (%) 8.24 9.46 8.94 7.71  
   
  Credit Card Receivables (CCR) 196.597 208.885 215.328 237.137  
  Performing 184.926 196.767 202.781 224.055  
  Non-Performing 11.671 12.118 12.547 13.082  
  Loan Loss Reserves 10.747 10.736 11.812 12.182  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 6,554.147 6,861.664 7,182.283 7,617.114  
  Total Non-Performing Loans (NPL) 99.712 101.006 105.360 97.531  
  CCR to TLP (%) 3.00 3.04 3.00 3.11  
  Non-Performing CCR to Total NPL (%) 11.70 12.00 11.91 13.41  
  Non-Performing CCR to TLP (%) 0.18 0.18 0.17 0.17  
  Non-Performing CCR to CCR (%) 5.94 5.80 5.83 5.52  
   
  Salary-Based General-Purpose Consumption Loans (SBGPCL)                  66.550                  66.585                  70.261                  70.360  
  Performing                  64.316                  64.006                  67.368                  67.462  
  Non-Performing                     2.234                     2.579                     2.893                     2.898  
  Loan Loss Reserves                     1.752                     1.813                     2.178                     2.404  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)           6,554.147           6,861.664           7,182.283           7,617.114  
  Total Non-Performing Loans (NPL)                  99.712               101.006               105.360                  97.531  
  SBGPCL to TLP (%)                        1.02                        0.97                        0.98                        0.92  
  Non-Performing SBGPCL to Total NPL (%)                        2.24                        2.55                        2.75                        2.97  
  Non-Performing SBGPCL to TLP (%)                        0.03                        0.04                        0.04                        0.04  
  Non-Performing SBGPCL to SBGPCL (%)                        3.36                        3.87                        4.12                        4.12  
   
  Residential Real Estate Loans (RREL) 322.899 338.209 358.531 381.741  
  Performing 314.889 329.528 349.890 372.708  
  Non-Performing 8.010 8.681 8.641 9.033  
  Loan Loss Reserves 4.169 3.494 3.363 3.817  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 6,554.147 6,861.664 7,182.283 7,617.114  
  Total Non-Performing Loans (NPL) 99.712 101.006 105.360 97.531  
  RREL to TLP (%) 4.93 4.93 4.99 5.01  
  Non-Performing RREL to Total NPL (%) 8.03 8.59 8.20 9.26  
  Non-Performing RREL to TLP (%) 0.12 0.13 0.12 0.12  
  Non-Performing RREL to RREL (%) 2.48 2.57 2.41 2.37  
   
  Other Consumer Loans (OCL) 13.527 13.495 13.251 15.101  
  Performing 12.782 12.733 12.500 14.395  
  Non-Performing 0.745 0.762 0.751 0.706  
  Loan Loss Reserves 0.856 0.848 0.907 0.921  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 6,554.147 6,861.664 7,182.283 7,617.114  
  Total Non-Performing Loans (NPL) 99.712 101.006 105.360 97.531  
  OCL to TLP (%) 0.21 0.20 0.18 0.20  
  Non-Performing OCL to Total NPL (%) 0.75 0.75 0.71 0.72  
  Non-Performing OCL to TLP (%) 0.01 0.01 0.01 0.01  
  Non-Performing OCL to OCL (%) 5.51 5.65 5.67 4.67  
                     
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 2018