42 CONSUMER LOANS 1/
 
 
Thrift Banking System 
as of end of periods indicated
in billion pesos
 
   
  Mar-17 Jun-17 Sep-17 Dec-17  
           
  Consumer Loans (CL) 490.110 503.333 519.939 530.113  
  Performing 468.752 481.198 497.046 506.915  
  Non-Performing 21.358 22.135 22.894 23.198  
  Loan Loss Reserves 13.387 13.576 13.709 12.754  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 790.986 800.364 816.419 858.224  
  Total Non-Performing Loans (NPL) 40.069 40.153 40.320 40.448  
  CL to TLP (%) 61.96 62.89 63.69 61.77  
  Non-Performing CL to Total NPL (%) 53.30 55.13 56.78 57.35  
  Non-Performing CL to TLP (%) 2.70 2.77 2.80 2.70  
  Non-Performing CL to CL (%) 4.36 4.40 4.40 4.38  
   
  Motor Vehicle Loans (MVL) 191.461 199.748 210.508 218.208  
  Performing 182.851 190.620 201.155 208.905  
  Non-Performing 8.610 9.128 9.353 9.303  
  Loan Loss Reserves 6.436 6.668 7.090 6.531  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 790.986 800.364 816.419 858.224  
  Total Non-Performing Loans (NPL) 40.069 40.153 40.320 40.448  
  MVL to TLP (%) 24.21 24.96 25.78 25.43  
  Non-Performing MVL to Total NPL (%) 21.49 22.73 23.20 23.00  
  Non-Performing MVL to TLP (%) 1.09 1.14 1.15 1.08  
  Non-Performing MVL to MVL (%) 4.50 4.57 4.44 4.26  
   
  Auto Loans (AL) 180.448 187.898 196.922 203.107  
  Performing 173.080 180.065 188.884 195.011  
  Non-Performing 7.369 7.833 8.038 8.097  
  Loan Loss Reserves 5.183 5.352 5.578 5.562  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 790.986 800.364 816.419 858.224  
  Total Non-Performing Loans (NPL) 40.069 40.153 40.320 40.448  
  AL to TLP (%) 22.81 23.48 24.12 23.67  
  Non-Performing AL to Total NPL (%) 18.39 19.51 19.94 20.02  
  Non-Performing AL to TLP (%) 0.93 0.98 0.98 0.94  
  Non-Performing AL to AL (%) 4.08 4.17 4.08 3.99  
   
  Motorcycle Loans (MCL) 11.013 11.850 13.586 15.101  
  Performing 9.771 10.555 12.271 13.895  
  Non-Performing 1.241 1.294 1.315 1.206  
  Loan Loss Reserves 1.253 1.316 1.512 0.969  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 790.986 800.364 816.419 858.224  
  Total Non-Performing Loans (NPL) 40.069 40.153 40.320 40.448  
  MCL to TLP (%) 1.39 1.48 1.66 1.76  
  Non-Performing MCL to Total NPL (%) 3.10 3.22 3.26 2.98  
  Non-Performing MCL to TLP (%) 0.16 0.16 0.16 0.14  
  Non-Performing MCL to MCL (%) 11.27 10.92 9.68 7.99  
   
  Credit Card Receivables (CCR) 1.004 1.106 1.211 1.372  
  Performing 0.897 0.984 1.130 1.271  
  Non-Performing 0.107 0.122 0.082 0.101  
  Loan Loss Reserves 0.068 0.081 0.076 0.093  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 790.986 800.364 816.419 858.224  
  Total Non-Performing Loans (NPL) 40.069 40.153 40.320 40.448  
  CCR to TLP (%) 0.13 0.14 0.15 0.16  
  Non-Performing CCR to Total NPL (%) 0.27 0.30 0.20 0.25  
  Non-Performing CCR to TLP (%) 0.01 0.02 0.01 0.01  
  Non-Performing CCR to CCR (%) 10.68 11.07 6.73 7.36  
   
  Salary-Based General-Purpose Consumption Loans (SBGPCL)                  77.427                  79.050                  81.310                  79.715  
  Performing                  73.713                  75.074                  76.948                  74.906  
  Non-Performing                     3.714                     3.976                     4.362                     4.809  
  Loan Loss Reserves                     2.410                     2.188                     2.155                     2.093  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)               790.986               800.364               816.419               858.224  
  Total Non-Performing Loans (NPL)                  40.069                  40.153                  40.320                  40.448  
  SBGPCL to TLP (%)                        9.79                        9.88                        9.96                        9.29  
  Non-Performing SBGPCL to Total NPL (%)                        9.27                        9.90                     10.82                     11.89  
  Non-Performing SBGPCL to TLP (%)                        0.47                        0.50                        0.53                        0.56  
  Non-Performing SBGPCL to SBGPCL (%)                        4.80                        5.03                        5.36                        6.03  
   
  Residential Real Estate Loans (RREL) 207.781 211.716 215.384 218.690  
  Performing 200.446 204.171 207.452 210.741  
  Non-Performing 7.334 7.545 7.932 7.950  
  Loan Loss Reserves 3.380 3.729 3.594 3.396  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 790.986 800.364 816.419 858.224  
  Total Non-Performing Loans (NPL) 40.069 40.153 40.320 40.448  
  RREL to TLP (%) 26.27 26.45 26.38 25.48  
  Non-Performing RREL to Total NPL (%) 18.30 18.79 19.67 19.65  
  Non-Performing RREL to TLP (%) 0.93 0.94 0.97 0.93  
  Non-Performing RREL to RREL (%) 3.53 3.56 3.68 3.64  
   
  Other Consumer Loans (OCL) 12.437 11.713 11.526 12.128  
  Performing 10.845 10.350 10.361 11.092  
  Non-Performing 1.592 1.363 1.165 1.036  
  Loan Loss Reserves 1.093 0.909 0.793 0.641  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 790.986 800.364 816.419 858.224  
  Total Non-Performing Loans (NPL) 40.069 40.153 40.320 40.448  
  OCL to TLP (%) 1.57 1.46 1.41 1.41  
  Non-Performing OCL to Total NPL (%) 3.97 3.40 2.89 2.56  
  Non-Performing OCL to TLP (%) 0.20 0.17 0.14 0.12  
  Non-Performing OCL to OCL (%) 12.80 11.64 10.11 8.54  
                     
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 15 March 2018