24 CONSUMER LOANS 1/
 
 
Universal Banking System 
as of end of periods indicated
in billion pesos
 
   
  Mar-17 Jun-17 Sep-17/r Dec-17  
           
  Consumer Loans (CL) 703.605 737.482 763.054 824.729  
  Performing 675.990 707.981 734.110 794.297  
  Non-Performing 27.614 29.501 28.944 30.431  
  Loan Loss Reserves 18.474 18.095 19.090 19.866  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 6,005.773 6,285.978 6,615.055 7,031.950  
  Total Non-Performing Loans (NPL) 89.950 91.260 95.450 87.831  
  CL to TLP (%) 11.72 11.73 11.54 11.73  
  Non-Performing CL to Total NPL (%) 30.70 32.33 30.32 34.65  
  Non-Performing CL to TLP (%) 0.46 0.47 0.44 0.43  
  Non-Performing CL to CL (%) 3.92 4.00 3.79 3.69  
   
  Motor Vehicle Loans (MVL) 181.544 192.007 190.930 213.746  
  Performing 174.331 184.307 184.402 206.461  
  Non-Performing 7.212 7.700 6.528 7.285  
  Loan Loss Reserves 4.068 4.285 3.954 4.010  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 6,005.773 6,285.978 6,615.055 7,031.950  
  Total Non-Performing Loans (NPL) 89.950 91.260 95.450 87.831  
  MVL to TLP (%) 3.02 3.05 2.89 3.04  
  Non-Performing MVL to Total NPL (%) 8.02 8.44 6.84 8.29  
  Non-Performing MVL to TLP (%) 0.12 0.12 0.10 0.10  
  Non-Performing MVL to MVL (%) 3.97 4.01 3.42 3.41  
   
  Auto Loans (AL) 181.476 191.928 190.841 213.650  
  Performing 174.265 184.229 184.314 206.365  
  Non-Performing 7.212 7.699 6.527 7.284  
  Loan Loss Reserves 4.068 4.285 3.954 4.010  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 6,005.773 6,285.978 6,615.055 7,031.950  
  Total Non-Performing Loans (NPL) 89.950 91.260 95.450 87.831  
  AL to TLP (%) 3.02 3.05 2.88 3.04  
  Non-Performing AL to Total NPL (%) 8.02 8.44 6.84 8.29  
  Non-Performing AL to TLP (%) 0.12 0.12 0.10 0.10  
  Non-Performing AL to AL (%) 3.97 4.01 3.42 3.41  
   
  Motorcycle Loans (MCL) 0.067 0.079 0.088 0.096  
  Performing 0.067 0.078 0.088 0.096  
  Non-Performing 0.001 0.001 0.001 0.001  
  Loan Loss Reserves 0.000 0.000 0.000 0.001  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 6,005.773 6,285.978 6,615.055 7,031.950  
  Total Non-Performing Loans (NPL) 89.950 91.260 95.450 87.831  
  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 (%) 0.79 0.72 0.59 0.58  
   
  Credit Card Receivables (CCR) 155.217 165.365 170.839 188.192  
  Performing 144.467 154.172 159.237 176.118  
  Non-Performing 10.750 11.193 11.602 12.075  
  Loan Loss Reserves 8.933 8.990 9.980 10.243  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 6,005.773 6,285.978 6,615.055 7,031.950  
  Total Non-Performing Loans (NPL) 89.950 91.260 95.450 87.831  
  CCR to TLP (%) 2.58 2.63 2.58 2.68  
  Non-Performing CCR to Total NPL (%) 11.95 12.26 12.15 13.75  
  Non-Performing CCR to TLP (%) 0.18 0.18 0.18 0.17  
  Non-Performing CCR to CCR (%) 6.93 6.77 6.79 6.42  
   
  Salary-Based General-Purpose Consumption Loans (SBGPCL)                  55.095                  54.492                  57.292                  56.606  
  Performing                  53.551                  52.635                  55.171                  54.541  
  Non-Performing                     1.543                     1.857                     2.121                     2.065  
  Loan Loss Reserves                     1.145                     1.171                     1.546                     1.720  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)           6,005.773           6,285.978           6,615.055           7,031.950  
  Total Non-Performing Loans (NPL)                  89.950                  91.260                  95.450                  87.831  
  SBGPCL to TLP (%)                        0.92                        0.87                        0.87                        0.80  
  Non-Performing SBGPCL to Total NPL (%)                        1.72                        2.04                        2.22                        2.35  
  Non-Performing SBGPCL to TLP (%)                        0.03                        0.03                        0.03                        0.03  
  Non-Performing SBGPCL to SBGPCL (%)                        2.80                        3.41                        3.70                        3.65  
   
  Residential Real Estate Loans (RREL) 301.414 315.243 333.791 353.517  
  Performing 293.765 306.960 325.556 344.928  
  Non-Performing 7.649 8.282 8.235 8.589  
  Loan Loss Reserves 3.988 3.303 3.193 3.498  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 6,005.773 6,285.978 6,615.055 7,031.950  
  Total Non-Performing Loans (NPL) 89.950 91.260 95.450 87.831  
  RREL to TLP (%) 5.02 5.02 5.05 5.03  
  Non-Performing RREL to Total NPL (%) 8.50 9.08 8.63 9.78  
  Non-Performing RREL to TLP (%) 0.13 0.13 0.12 0.12  
  Non-Performing RREL to RREL (%) 2.54 2.63 2.47 2.43  
   
  Other Consumer Loans (OCL) 10.335 10.376 10.203 12.668  
  Performing 9.876 9.907 9.743 12.250  
  Non-Performing 0.459 0.469 0.460 0.418  
  Loan Loss Reserves 0.340 0.345 0.416 0.395  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 6,005.773 6,285.978 6,615.055 7,031.950  
  Total Non-Performing Loans (NPL) 89.950 91.260 95.450 87.831  
  OCL to TLP (%) 0.17 0.17 0.15 0.18  
  Non-Performing OCL to Total NPL (%) 0.51 0.51 0.48 0.48  
  Non-Performing OCL to TLP (%) 0.01 0.01 0.01 0.01  
  Non-Performing OCL to OCL (%) 4.45 4.52 4.51 3.30  
                     
1/ Bank Proper only
r/ Revised
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