6 CONSUMER LOANS 1/
 
 
Philippine Banking System 
as of end of periods indicated
in billion pesos
 
   
  Mar-18 Jun-18  
       
  Consumer Loans (CL) 1,527.315 1,566.584  
  Performing 1,466.267 1,504.424  
  Non-Performing 61.048 62.160  
  Loan Loss Reserves 36.368 36.413  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 8,630.832 8,936.563  
  Total Non-Performing Loans (NPL) 149.033 157.270  
  CL to TLP (%) 17.70 17.53  
  Non-Performing CL to Total NPL (%) 40.96 39.52  
  Non-Performing CL to TLP (%) 0.71 0.70  
  Non-Performing CL to CL (%) 4.00 3.97  
   
  Motor Vehicle Loans (MVL) 498.607 502.839  
  Performing 479.648 484.469  
  Non-Performing 18.959 18.370  
  Loan Loss Reserves 9.692 9.397  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 8,630.832 8,936.563  
  Total Non-Performing Loans (NPL) 149.033 157.270  
  MVL to TLP (%) 5.78 5.63  
  Non-Performing MVL to Total NPL (%) 12.72 11.68  
  Non-Performing MVL to TLP (%) 0.22 0.21  
  Non-Performing MVL to MVL (%) 3.80 3.65  
   
  Auto Loans (AL) 480.030 484.944  
  Performing 462.375 468.013  
  Non-Performing 17.654 16.931  
  Loan Loss Reserves 8.573 8.141  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 8,630.832 8,936.563  
  Total Non-Performing Loans (NPL) 149.033 157.270  
  AL to TLP (%) 5.56 5.43  
  Non-Performing AL to Total NPL (%) 11.85 10.77  
  Non-Performing AL to TLP (%) 0.20 0.19  
  Non-Performing AL to AL (%) 3.68 3.49  
   
  Motorcycle Loans (MCL) 18.577 17.895  
  Performing 17.273 16.456  
  Non-Performing 1.304 1.439  
  Loan Loss Reserves 1.120 1.256  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 8,630.832 8,936.563  
  Total Non-Performing Loans (NPL) 149.033 157.270  
  MCL to TLP (%) 0.22 0.20  
  Non-Performing MCL to Total NPL (%) 0.88 0.91  
  Non-Performing MCL to TLP (%) 0.02 0.02  
  Non-Performing MCL to MCL (%) 7.02 8.04  
   
  Credit Card Receivables (CCR) 240.970 255.140  
  Performing 227.001 240.672  
  Non-Performing 13.969 14.468  
  Loan Loss Reserves 14.073 13.835  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 8,630.832 8,936.563  
  Total Non-Performing Loans (NPL) 149.033 157.270  
  CCR to TLP (%) 2.79 2.86  
  Non-Performing CCR to Total NPL (%) 9.37 9.20  
  Non-Performing CCR to TLP (%) 0.16 0.16  
  Non-Performing CCR to CCR (%) 5.80 5.67  
   
  Salary-Based General-Purpose Consumption Loans (SBGPCL)               147.577               147.319  
  Performing               138.955               137.635  
  Non-Performing                     8.621                     9.684  
  Loan Loss Reserves                     4.293                     5.570  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)           8,630.832           8,936.563  
  Total Non-Performing Loans (NPL)               149.033               157.270  
  SBGPCL to TLP (%)                        1.71                        1.65  
  Non-Performing SBGPCL to Total NPL (%)                        5.78                        6.16  
  Non-Performing SBGPCL to TLP (%)                        0.10                        0.11  
  Non-Performing SBGPCL to SBGPCL (%)                        5.84                        6.57  
   
  Residential Real Estate Loans (RREL) 615.383 636.685  
  Performing 597.708 618.929  
  Non-Performing 17.675 17.756  
  Loan Loss Reserves 6.744 6.211  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 8,630.832 8,936.563  
  Total Non-Performing Loans (NPL) 149.033 157.270  
  RREL to TLP (%) 7.13 7.12  
  Non-Performing RREL to Total NPL (%) 11.86 11.29  
  Non-Performing RREL to TLP (%) 0.20 0.20  
  Non-Performing RREL to RREL (%) 2.87 2.79  
   
  Other Consumer Loans (OCL) 24.779 24.601  
  Performing 22.955 22.719  
  Non-Performing 1.824 1.882  
  Loan Loss Reserves 1.566 1.400  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 8,630.832 8,936.563  
  Total Non-Performing Loans (NPL) 149.033 157.270  
  OCL to TLP (%) 0.29 0.28  
  Non-Performing OCL to Total NPL (%) 1.22 1.20  
  Non-Performing OCL to TLP (%) 0.02 0.02  
  Non-Performing OCL to OCL (%) 7.36 7.65  
                 
1/ Universal, Commercial, and Thrift Banks (Bank Proper) only
Note: Details may not add up to totals due to rounding-off
Source : Supervisory Data Center, Financial Supervision Sector, Bangko Sentral ng Pilipinas
Updated as of 7 September 2018