6 CONSUMER LOANS 1/
 
 
Philippine Banking System 
as of end of periods indicated
in billion pesos
 
   
  Mar-17 Jun-17  
       
  Consumer Loans (CL) 1,306.992 1,360.829  
  Performing 1,254.692 1,305.613  
  Non-Performing 52.300 55.215  
  Loan Loss Reserves 35.550 35.386  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 7,345.134 7,662.028  
  Total Non-Performing Loans (NPL) 139.781 141.159  
  CL to TLP (%) 17.13 17.76  
  Non-Performing CL to Total NPL (%) 36.50 39.12  
  Non-Performing CL to TLP (%) 0.69 0.72  
  Non-Performing CL to CL (%) 4.06 4.06  
   
  Motor Vehicle Loans (MVL) 408.770 430.070  
  Performing 391.879 412.002  
  Non-Performing 16.891 18.069  
  Loan Loss Reserves 11.074 11.588  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 7,345.134 7,662.028  
  Total Non-Performing Loans (NPL) 139.781 141.159  
  MVL to TLP (%) 5.57 5.61  
  Non-Performing MVL to Total NPL (%) 12.08 12.80  
  Non-Performing MVL to TLP (%) 0.23 0.24  
  Non-Performing MVL to MVL (%) 4.13 4.20  
   
  Auto Loans (AL) 396.089 416.463  
  Performing 380.576 399.855  
  Non-Performing 15.512 16.608  
  Loan Loss Reserves 9.790 10.236  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 7,345.134 7,662.028  
  Total Non-Performing Loans (NPL) 139.781 141.159  
  AL to TLP (%) 5.39 5.44  
  Non-Performing AL to Total NPL (%) 11.10 11.77  
  Non-Performing AL to TLP (%) 0.21 0.22  
  Non-Performing AL to AL (%) 3.92 3.99  
   
  Motorcycle Loans (MCL) 12.681 13.607  
  Performing 11.302 12.147  
  Non-Performing 1.379 1.461  
  Loan Loss Reserves 1.283 1.352  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 7,345.134 7,662.028  
  Total Non-Performing Loans (NPL) 139.781 141.159  
  MCL to TLP (%) 0.17 0.18  
  Non-Performing MCL to Total NPL (%) 0.99 1.03  
  Non-Performing MCL to TLP (%) 0.02 0.02  
  Non-Performing MCL to MCL (%) 10.87 10.73  
   
  Credit Card Receivables (CCR) 197.601 209.991  
  Performing 185.823 197.751  
  Non-Performing 11.778 12.240  
  Loan Loss Reserves 10.814 10.817  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 7,345.134 7,662.028  
  Total Non-Performing Loans (NPL) 139.781 141.159  
  CCR to TLP (%) 2.69 2.74  
  Non-Performing CCR to Total NPL (%) 8.43 8.67  
  Non-Performing CCR to TLP (%) 0.16 0.16  
  Non-Performing CCR to CCR (%) 5.96 5.83  
   
  Salary-Based General-Purpose Consumption Loans (SBGPCL)               143.977               145.635  
  Performing               138.029               139.080  
  Non-Performing                     5.948                     6.555  
  Loan Loss Reserves                     4.163                     4.001  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)           7,345.134           7,662.028  
  Total Non-Performing Loans (NPL)               139.781               141.159  
  SBGPCL to TLP (%)                        1.96                        1.90  
  Non-Performing SBGPCL to Total NPL (%)                        4.26                        4.64  
  Non-Performing SBGPCL to TLP (%)                        0.08                        0.09  
  Non-Performing SBGPCL to SBGPCL (%)                        4.13                        4.50  
   
  Residential Real Estate Loans (RREL) 530.680 549.925  
  Performing 515.336 533.699  
  Non-Performing 15.344 16.226  
  Loan Loss Reserves 7.550 7.223  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 7,345.134 7,662.028  
  Total Non-Performing Loans (NPL) 139.781 141.159  
  RREL to TLP (%) 6.56 7.18  
  Non-Performing RREL to Total NPL (%) 10.07 11.49  
  Non-Performing RREL to TLP (%) 0.19 0.21  
  Non-Performing RREL to RREL (%) 2.92 2.95  
   
  Other Consumer Loans (OCL) 25.964 25.207  
  Performing 23.626 23.082  
  Non-Performing 2.338 2.125  
  Loan Loss Reserves 1.950 1.757  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 7,345.134 7,662.028  
  Total Non-Performing Loans (NPL) 139.781 141.159  
  OCL to TLP (%) 0.35 0.33  
  Non-Performing OCL to Total NPL (%) 1.67 1.51  
  Non-Performing OCL to TLP (%) 0.03 0.03  
  Non-Performing OCL to OCL (%) 9.00 8.43  
                 
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 September 2017