6 CONSUMER LOANS 1/
 
 
Philippine Banking System 
as of end of periods indicated
in billion pesos
 
   
  Mar-17 Jun-17 Sep-17 Dec-17  
           
  Consumer Loans (CL) 1,306.992 1,360.829 1,409.247 1,491.012  
  Performing 1,254.692 1,305.613 1,353.624 1,433.447  
  Non-Performing 52.300 55.215 55.623 57.565  
  Loan Loss Reserves 35.550 35.386 36.642 36.792  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 7,345.134 7,662.028 7,998.702 8,475.338  
  Total Non-Performing Loans (NPL) 139.781 141.159 145.680 137.980  
  CL to TLP (%) 17.79 17.76 17.62 17.59  
  Non-Performing CL to Total NPL (%) 37.42 39.12 38.18 41.72  
  Non-Performing CL to TLP (%) 0.71 0.72 0.70 0.68  
  Non-Performing CL to CL (%) 4.00 4.06 3.95 3.86  
   
  Motor Vehicle Loans (MVL) 408.770 430.070 442.445 474.768  
  Performing 391.879 412.002 425.195 456.817  
  Non-Performing 16.891 18.069 17.250 17.951  
  Loan Loss Reserves 11.074 11.588 11.764 11.245  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 7,345.134 7,662.028 7,998.702 8,475.338  
  Total Non-Performing Loans (NPL) 139.781 141.159 145.680 137.980  
  MVL to TLP (%) 5.57 5.61 5.53 5.60  
  Non-Performing MVL to Total NPL (%) 12.08 12.80 11.84 13.01  
  Non-Performing MVL to TLP (%) 0.23 0.24 0.22 0.21  
  Non-Performing MVL to MVL (%) 4.13 4.20 3.90 3.78  
   
  Auto Loans (AL) 396.089 416.463 427.049 457.738  
  Performing 380.576 399.855 411.276 441.142  
  Non-Performing 15.512 16.608 15.773 16.596  
  Loan Loss Reserves 9.790 10.236 10.216 10.239  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 7,345.134 7,662.028 7,998.702 8,475.338  
  Total Non-Performing Loans (NPL) 139.781 141.159 145.680 137.980  
  AL to TLP (%) 5.39 5.44 5.34 5.40  
  Non-Performing AL to Total NPL (%) 11.10 11.77 10.83 12.03  
  Non-Performing AL to TLP (%) 0.21 0.22 0.20 0.20  
  Non-Performing AL to AL (%) 3.92 3.99 3.69 3.63  
   
  Motorcycle Loans (MCL) 12.681 13.607 15.396 17.031  
  Performing 11.302 12.147 13.918 15.676  
  Non-Performing 1.379 1.461 1.477 1.355  
  Loan Loss Reserves 1.283 1.352 1.548 1.006  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 7,345.134 7,662.028 7,998.702 8,475.338  
  Total Non-Performing Loans (NPL) 139.781 141.159 145.680 137.980  
  MCL to TLP (%) 0.17 0.18 0.19 0.20  
  Non-Performing MCL to Total NPL (%) 0.99 1.03 1.01 0.98  
  Non-Performing MCL to TLP (%) 0.02 0.02 0.02 0.02  
  Non-Performing MCL to MCL (%) 10.87 10.73 9.59 7.95  
   
  Credit Card Receivables (CCR) 197.601 209.991 216.539 238.508  
  Performing 185.823 197.751 203.911 225.326  
  Non-Performing 11.778 12.240 12.629 13.183  
  Loan Loss Reserves 10.814 10.817 11.888 12.275  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 7,345.134 7,662.028 7,998.702 8,475.338  
  Total Non-Performing Loans (NPL) 139.781 141.159 145.680 137.980  
  CCR to TLP (%) 2.69 2.74 2.71 2.81  
  Non-Performing CCR to Total NPL (%) 8.43 8.67 8.67 9.55  
  Non-Performing CCR to TLP (%) 0.16 0.16 0.16 0.16  
  Non-Performing CCR to CCR (%) 5.96 5.83 5.83 5.53  
   
  Salary-Based General-Purpose Consumption Loans (SBGPCL)               143.977               145.635               151.570               150.075  
  Performing               138.029               139.080               144.315               142.368  
  Non-Performing                     5.948                     6.555                     7.255                     7.707  
  Loan Loss Reserves                     4.163                     4.001                     4.333                     4.497  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)           7,345.134           7,662.028           7,998.702           8,475.338  
  Total Non-Performing Loans (NPL)               139.781               141.159               145.680               137.980  
  SBGPCL to TLP (%)                        1.96                        1.90                        1.89                        1.77  
  Non-Performing SBGPCL to Total NPL (%)                        4.26                        4.64                        4.98                        5.59  
  Non-Performing SBGPCL to TLP (%)                        0.08                        0.09                        0.09                        0.09  
  Non-Performing SBGPCL to SBGPCL (%)                        4.13                        4.50                        4.79                        5.14  
   
  Residential Real Estate Loans (RREL) 530.680 549.925 573.915 600.432  
  Performing 515.336 533.699 557.342 583.449  
  Non-Performing 15.344 16.226 16.573 16.983  
  Loan Loss Reserves 7.550 7.223 6.957 7.213  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 7,345.134 7,662.028 7,998.702 8,475.338  
  Total Non-Performing Loans (NPL) 139.781 141.159 145.680 137.980  
  RREL to TLP (%) 7.22 7.18 7.18 7.08  
  Non-Performing RREL to Total NPL (%) 10.98 11.49 11.38 12.31  
  Non-Performing RREL to TLP (%) 0.21 0.21 0.21 0.20  
  Non-Performing RREL to RREL (%) 2.89 2.95 2.89 2.83  
   
  Other Consumer Loans (OCL) 25.964 25.207 24.778 27.229  
  Performing 23.626 23.082 22.862 25.487  
  Non-Performing 2.338 2.125 1.916 1.742  
  Loan Loss Reserves 1.950 1.757 1.700 1.561  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 7,345.134 7,662.028 7,998.702 8,475.338  
  Total Non-Performing Loans (NPL) 139.781 141.159 145.680 137.980  
  OCL to TLP (%) 0.35 0.33 0.31 0.32  
  Non-Performing OCL to Total NPL (%) 1.67 1.51 1.32 1.26  
  Non-Performing OCL to TLP (%) 0.03 0.03 0.02 0.02  
  Non-Performing OCL to OCL (%) 9.00 8.43 7.73 6.40  
                     
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