33 CONSUMER LOANS 1/
 
 
Commercial Banking System 
as of end of periods indicated
in billion pesos
 
   
  Mar-17 Jun-17 Sep-17 Dec-17  
           
  Consumer Loans (CL) 113.277 120.014 126.254 136.170  
  Performing 109.950 116.434 122.469 132.235  
  Non-Performing 3.327 3.579 3.785 3.936  
  Loan Loss Reserves 3.689 3.716 3.843 4.172  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 548.374 575.686 567.228 585.165  
  Total Non-Performing Loans (NPL) 9.763 9.746 9.910 9.700  
  CL to TLP (%) 20.66 20.85 22.26 23.27  
  Non-Performing CL to Total NPL (%) 34.08 36.73 38.20 40.57  
  Non-Performing CL to TLP (%) 0.61 0.62 0.67 0.67  
  Non-Performing CL to CL (%) 2.94 2.98 3.00 2.89  
   
  Motor Vehicle Loans (MVL) 35.766 38.315 41.007 42.814  
  Performing 34.696 37.074 39.638 41.451  
  Non-Performing 1.069 1.241 1.369 1.363  
  Loan Loss Reserves 0.570 0.635 0.719 0.704  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 548.374 575.686 567.228 585.165  
  Total Non-Performing Loans (NPL) 9.763 9.746 9.910 9.700  
  MVL to TLP (%) 6.52 6.66 7.23 7.32  
  Non-Performing MVL to Total NPL (%) 10.95 12.74 13.82 14.05  
  Non-Performing MVL to TLP (%) 0.19 0.22 0.24 0.23  
  Non-Performing MVL to MVL (%) 2.99 3.24 3.34 3.18  
   
  Auto Loans (AL) 34.164 36.636 39.286 40.981  
  Performing 33.232 35.561 38.078 39.765  
  Non-Performing 0.932 1.076 1.208 1.215  
  Loan Loss Reserves 0.540 0.600 0.683 0.667  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 548.374 575.686 567.228 585.165  
  Total Non-Performing Loans (NPL) 9.763 9.746 9.910 9.700  
  AL to TLP (%) 6.23 6.36 6.93 7.00  
  Non-Performing AL to Total NPL (%) 9.55 11.04 12.19 12.53  
  Non-Performing AL to TLP (%) 0.17 0.19 0.21 0.21  
  Non-Performing AL to AL (%) 2.73 2.94 3.08 2.97  
   
  Motorcycle Loans (MCL) 1.602 1.678 1.721 1.833  
  Performing 1.465 1.513 1.560 1.685  
  Non-Performing 0.137 0.166 0.161 0.148  
  Loan Loss Reserves 0.030 0.035 0.036 0.037  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 548.374 575.686 567.228 585.165  
  Total Non-Performing Loans (NPL) 9.763 9.746 9.910 9.700  
  MCL to TLP (%) 0.29 0.29 0.30 0.31  
  Non-Performing MCL to Total NPL (%) 1.40 1.70 1.63 1.53  
  Non-Performing MCL to TLP (%) 0.02 0.03 0.03 0.03  
  Non-Performing MCL to MCL (%) 8.55 9.87 9.36 8.08  
   
  Credit Card Receivables (CCR) 41.379 43.521 44.489 48.944  
  Performing 40.459 42.596 43.544 47.937  
  Non-Performing 0.921 0.925 0.946 1.007  
  Loan Loss Reserves 1.814 1.746 1.832 1.938  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 548.374 575.686 567.228 585.165  
  Total Non-Performing Loans (NPL) 9.763 9.746 9.910 9.700  
  CCR to TLP (%) 7.55 7.56 7.84 8.36  
  Non-Performing CCR to Total NPL (%) 9.43 9.49 9.54 10.38  
  Non-Performing CCR to TLP (%) 0.17 0.16 0.17 0.17  
  Non-Performing CCR to CCR (%) 2.23 2.13 2.13 2.06  
   
  Salary-Based General-Purpose Consumption Loans (SBGPCL)                  11.455                  12.093                  12.969                  13.754  
  Performing                  10.765                  11.371                  12.196                  12.921  
  Non-Performing                     0.690                     0.721                     0.772                     0.833  
  Loan Loss Reserves                     0.607                     0.642                     0.632                     0.685  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)               548.374               575.686               567.228               585.165  
  Total Non-Performing Loans (NPL)                     9.763                     9.746                     9.910                     9.700  
  SBGPCL to TLP (%)                        2.09                        2.10                        2.29                        2.35  
  Non-Performing SBGPCL to Total NPL (%)                        7.07                        7.40                        7.79                        8.59  
  Non-Performing SBGPCL to TLP (%)                        0.13                        0.13                        0.14                        0.14  
  Non-Performing SBGPCL to SBGPCL (%)                        6.03                        5.97                        5.96                        6.06  
   
  Residential Real Estate Loans (RREL) 21.485 22.967 24.741 28.225  
  Performing 21.124 22.567 24.334 27.780  
  Non-Performing 0.361 0.399 0.407 0.444  
  Loan Loss Reserves 0.182 0.191 0.170 0.319  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 548.374 575.686 567.228 585.165  
  Total Non-Performing Loans (NPL) 9.763 9.746 9.910 9.700  
  RREL to TLP (%) 3.92 3.99 4.36 4.82  
  Non-Performing RREL to Total NPL (%) 3.70 4.09 4.10 4.58  
  Non-Performing RREL to TLP (%) 0.07 0.07 0.07 0.08  
  Non-Performing RREL to RREL (%) 1.68 1.74 1.64 1.57  
   
  Other Consumer Loans (OCL) 3.192 3.119 3.048 2.433  
  Performing 2.906 2.826 2.757 2.145  
  Non-Performing 0.286 0.293 0.291 0.288  
  Loan Loss Reserves 0.516 0.503 0.490 0.526  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 548.374 575.686 567.228 585.165  
  Total Non-Performing Loans (NPL) 9.763 9.746 9.910 9.700  
  OCL to TLP (%) 0.58 0.54 0.54 0.42  
  Non-Performing OCL to Total NPL (%) 2.93 3.00 2.94 2.97  
  Non-Performing OCL to TLP (%) 0.05 0.05 0.05 0.05  
  Non-Performing OCL to OCL (%) 8.96 9.39 9.56 11.82  
                     
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