6 CONSUMER LOANS 1/
 
 
Philippine Banking System 
as of end of periods indicated
in billion pesos
 
   
  Mar-16 Jun-16 Sep-16 Dec-16  
           
  Consumer Loans (CL) 1,092.668 1,148.751 1,202.619 1,271.618  
  Performing 1,042.368 1,098.775 1,153.411 1,221.750  
  Non-Performing 50.300 49.977 49.207 49.868  
  Loan Loss Reserves 29.001 28.746 29.342 33.814  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 6,190.846 6,465.749 6,673.383 7,217.912  
  Total Non-Performing Loans (NPL) 131.458 134.356 135.812 130.455  
  CL to TLP (%) 17.65 17.77 18.02 17.62  
  Non-Performing CL to Total NPL (%) 38.26 37.20 36.23 38.23  
  Non-Performing CL to TLP (%) 0.81 0.77 0.74 0.69  
  Non-Performing CL to CL (%) 4.60 4.35 4.09 3.92  
   
  Motor Vehicle Loans (MVL) 323.103 346.687 364.269 388.358  
  Performing 307.668 330.140 348.456 372.239  
  Non-Performing 15.435 16.547 15.814 16.119  
  Loan Loss Reserves 8.826 9.756 10.060 10.684  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 6,190.846 6,465.749 6,673.383 7,217.912  
  Total Non-Performing Loans (NPL) 131.458 134.356 135.812 130.455  
  MVL to TLP (%) 5.22 5.36 5.46 5.38  
  Non-Performing MVL to Total NPL (%) 11.74 12.32 11.64 12.36  
  Non-Performing MVL to TLP (%) 0.25 0.26 0.24 0.22  
  Non-Performing MVL to MVL (%) 4.78 4.77 4.34 4.15  
   
  Auto Loans (AL) 312.299 336.534 352.907 376.431  
  Performing 298.441 321.618 338.193 361.767  
  Non-Performing 13.858 14.916 14.714 14.664  
  Loan Loss Reserves 8.019 8.964 9.092 9.398  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 6,190.846 6,465.749 6,673.383 7,217.912  
  Total Non-Performing Loans (NPL) 131.458 134.356 135.812 130.455  
  AL to TLP (%) 5.04 5.20 5.29 5.22  
  Non-Performing AL to Total NPL (%) 10.54 11.10 10.83 11.24  
  Non-Performing AL to TLP (%) 0.22 0.23 0.22 0.20  
  Non-Performing AL to AL (%) 4.44 4.43 4.17 3.90  
   
  Motorcycle Loans (MCL) 10.804 10.153 11.362 11.927  
  Performing 9.226 8.522 10.263 10.472  
  Non-Performing 1.577 1.632 1.100 1.455  
  Loan Loss Reserves 0.806 0.792 0.968 1.286  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 6,190.846 6,465.749 6,673.383 7,217.912  
  Total Non-Performing Loans (NPL) 131.458 134.356 135.812 130.455  
  MCL to TLP (%) 0.17 0.16 0.17 0.17  
  Non-Performing MCL to Total NPL (%) 1.20 1.21 0.81 1.12  
  Non-Performing MCL to TLP (%) 0.03 0.03 0.02 0.02  
  Non-Performing MCL to MCL (%) 14.60 16.07 9.68 12.20  
   
  Credit Card Receivables (CCR) 174.863 179.444 183.123 197.668  
  Performing 161.997 167.915 171.700 186.001  
  Non-Performing 12.866 11.529 11.424 11.668  
  Loan Loss Reserves 8.777 7.479 7.366 10.434  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 6,190.846 6,465.749 6,673.383 7,217.912  
  Total Non-Performing Loans (NPL) 131.458 134.356 135.812 130.455  
  CCR to TLP (%) 2.82 2.78 2.74 2.74  
  Non-Performing CCR to Total NPL (%) 9.79 8.58 8.41 8.94  
  Non-Performing CCR to TLP (%) 0.21 0.18 0.17 0.16  
  Non-Performing CCR to CCR (%) 7.36 6.42 6.24 5.90  
   
  Salary-Based General-Purpose Consumption Loans (SBGPCL)               113.522               122.172               134.094               139.489  
  Performing               108.409               116.724               128.634               134.340  
  Non-Performing                     5.114                     5.447                     5.460                     5.149  
  Loan Loss Reserves                     3.467                     3.515                     3.672                     3.435  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)           6,190.846           6,465.749           6,673.383           7,217.912  
  Total Non-Performing Loans (NPL)               131.458               134.356               135.812               130.455  
  SBGPCL to TLP (%)                        1.83                        1.89                        2.01                        1.93  
  Non-Performing SBGPCL to Total NPL (%)                        3.89                        4.05                        4.02                        3.95  
  Non-Performing SBGPCL to TLP (%)                        0.08                        0.08                        0.08                        0.07  
  Non-Performing SBGPCL to SBGPCL (%)                        4.50                        4.46                        4.07                        3.69  
   
  Residential Real Estate Loans (RREL) 456.741 475.563 496.787 519.895  
  Performing 442.356 461.560 482.673 505.293  
  Non-Performing 14.385 14.003 14.114 14.602  
  Loan Loss Reserves 6.167 6.340 6.515 7.302  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 6,190.846 6,465.749 6,673.383 7,217.912  
  Total Non-Performing Loans (NPL) 131.458 134.356 135.812 130.455  
  RREL to TLP (%) 7.38 7.36 7.44 7.20  
  Non-Performing RREL to Total NPL (%) 10.94 10.42 10.39 11.19  
  Non-Performing RREL to TLP (%) 0.23 0.22 0.21 0.20  
  Non-Performing RREL to RREL (%) 3.15 2.94 2.84 2.81  
   
  Other Consumer Loans (OCL) 24.439 24.885 24.345 26.207  
  Performing 21.938 22.435 21.949 23.877  
  Non-Performing 2.500 2.450 2.396 2.330  
  Loan Loss Reserves 1.764 1.655 1.729 1.959  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 6,190.846 6,465.749 6,673.383 7,217.912  
  Total Non-Performing Loans (NPL) 131.458 134.356 135.812 130.455  
  OCL to TLP (%) 0.39 0.38 0.36 0.36  
  Non-Performing OCL to Total NPL (%) 1.90 1.82 1.76 1.79  
  Non-Performing OCL to TLP (%) 0.04 0.04 0.04 0.03  
  Non-Performing OCL to OCL (%) 10.23 9.84 9.84 8.89  
                     
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 2017