15 CONSUMER LOANS 1/
 
 
Universal and Commercial Banking System 
as of end of periods indicated
in billion pesos
 
   
  Mar-18 Jun-18 Sep-18 Dec-18  
           
  Consumer Loans (CL) 983.050 1,015.810 1,051.269 1,100.975  
  Performing 947.705 980.327 1,015.481 1,063.291  
  Non-Performing 35.344 35.482 35.788 37.684  
  Loan Loss Reserves 24.602 23.246 22.802 23.567  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 7,766.420 8,054.303 8,377.954 8,762.383  
  Total Non-Performing Loans (NPL) 104.400 110.606 112.762 113.518  
  CL to TLP (%) 12.66 12.61 12.55 12.56  
  Non-Performing CL to Total NPL (%) 33.85 32.08 31.74 33.20  
  Non-Performing CL to TLP (%) 0.46 0.44 0.43 0.43  
  Non-Performing CL to CL (%) 3.60 3.49 3.40 3.42  
   
  Motor Vehicle Loans (MVL) 271.776 276.073 282.755 288.267  
  Performing 263.113 268.271 274.151 279.620  
  Non-Performing 8.663 7.802 8.604 8.647  
  Loan Loss Reserves 4.393 3.847 3.794 3.699  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 7,766.420 8,054.303 8,377.954 8,762.383  
  Total Non-Performing Loans (NPL) 104.400 110.606 112.762 113.518  
  MVL to TLP (%) 3.50 3.43 3.37 3.29  
  Non-Performing MVL to Total NPL (%) 8.30 7.05 7.63 7.62  
  Non-Performing MVL to TLP (%) 0.11 0.10 0.10 0.10  
  Non-Performing MVL to MVL (%) 3.19 2.83 3.04 3.00  
   
  Auto Loans (AL) 269.797 273.999 280.644 285.831  
  Performing 261.258 266.325 272.168 277.293  
  Non-Performing 8.538 7.675 8.476 8.537  
  Loan Loss Reserves 4.316 3.774 3.726 3.591  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 7,766.420 8,054.303 8,377.954 8,762.383  
  Total Non-Performing Loans (NPL) 104.400 110.606 112.762 113.518  
  AL to TLP (%) 3.47 3.40 3.35 3.26  
  Non-Performing AL to Total NPL (%) 8.18 6.94 7.52 7.52  
  Non-Performing AL to TLP (%) 0.11 0.10 0.10 0.10  
  Non-Performing AL to AL (%) 3.16 2.80 3.02 2.99  
   
  Motorcycle Loans (MCL) 1.979 2.074 2.111 2.436  
  Performing 1.855 1.946 1.983 2.327  
  Non-Performing 0.125 0.128 0.128 0.109  
  Loan Loss Reserves 0.077 0.074 0.068 0.108  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 7,766.420 8,054.303 8,377.954 8,762.383  
  Total Non-Performing Loans (NPL) 104.400 110.606 112.762 113.518  
  MCL to TLP (%) 0.03 0.03 0.03 0.03  
  Non-Performing MCL to Total NPL (%) 0.12 0.12 0.11 0.10  
  Non-Performing MCL to TLP (%) 0.00 0.00 0.00 0.00  
  Non-Performing MCL to MCL (%) 6.30 6.15 6.06 4.48  
   
  Credit Card Receivables (CCR) 239.606 253.682 263.110 287.088  
  Performing 225.732 239.308 248.934 271.694  
  Non-Performing 13.873 14.374 14.176 15.394  
  Loan Loss Reserves 13.972 13.731 14.033 15.203  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 7,766.420 8,054.303 8,377.954 8,762.383  
  Total Non-Performing Loans (NPL) 104.400 110.606 112.762 113.518  
  CCR to TLP (%) 3.09 3.15 3.14 3.28  
  Non-Performing CCR to Total NPL (%) 13.29 13.00 12.57 13.56  
  Non-Performing CCR to TLP (%) 0.18 0.18 0.17 0.18  
  Non-Performing CCR to CCR (%) 5.79 5.67 5.39 5.36  
   
  Salary-Based General-Purpose Consumption Loans (SBGPCL)                  69.023                  69.947                  69.408                  67.750  
  Performing                  65.501                  65.935                  65.023                  63.563  
  Non-Performing                     3.522                     4.012                     4.384                     4.187  
  Loan Loss Reserves                     2.464                     2.737                     2.689                     2.225  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)           7,766.420           8,054.303           8,377.954           8,762.383  
  Total Non-Performing Loans (NPL)               104.400               110.606               112.762               113.518  
  SBGPCL to TLP (%)                        0.89                        0.87                        0.83                        0.77  
  Non-Performing SBGPCL to Total NPL (%)                        3.37                        3.63                        3.89                        3.69  
  Non-Performing SBGPCL to TLP (%)                        0.05                        0.05                        0.05                        0.05  
  Non-Performing SBGPCL to SBGPCL (%)                        5.10                        5.74                        6.32                        6.18  
   
  Residential Real Estate Loans (RREL) 391.192 404.329 423.949 442.816  
  Performing 382.522 395.595 415.909 433.934  
  Non-Performing 8.670 8.733 8.040 8.882  
  Loan Loss Reserves 2.965 2.262 1.654 1.837  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 7,766.420 8,054.303 8,377.954 8,762.383  
  Total Non-Performing Loans (NPL) 104.400 110.606 112.762 113.518  
  RREL to TLP (%) 5.04 5.02 5.06 5.05  
  Non-Performing RREL to Total NPL (%) 8.30 7.90 7.13 7.82  
  Non-Performing RREL to TLP (%) 0.11 0.11 0.10 0.10  
  Non-Performing RREL to RREL (%) 2.22 2.16 1.90 2.01  
   
  Other Consumer Loans (OCL) 11.453 11.779 12.048 15.054  
  Performing 10.837 11.218 11.464 14.479  
  Non-Performing 0.616 0.561 0.584 0.575  
  Loan Loss Reserves 0.807 0.670 0.632 0.603  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 7,766.420 8,054.303 8,377.954 8,762.383  
  Total Non-Performing Loans (NPL) 104.400 110.606 112.762 113.518  
  OCL to TLP (%) 0.15 0.15 0.14 0.17  
  Non-Performing OCL to Total NPL (%) 0.59 0.51 0.52 0.51  
  Non-Performing OCL to TLP (%) 0.01 0.01 0.01 0.01  
  Non-Performing OCL to OCL (%) 5.38 4.76 4.85 3.82  
                     
1/ 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 March 2019