15 CONSUMER LOANS 1/
 
 
Universal and Commercial Banking System 
as of end of periods indicated
in billion pesos
 
   
  Mar-19 Jun-19 Sep-19  
         
  Consumer Loans (CL) 1,134.043 1,168.019 1,322.531  
  Performing 1,094.135 1,126.062 1,272.226  
  Non-Performing 39.908 41.957 50.304  
  Loan Loss Reserves 25.326 26.578 29.575  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 8,660.696 8,922.132 9,233.092  
  Total Non-Performing Loans (NPL) 134.564 143.793 158.671  
  CL to TLP (%)                     13.09                     13.09                     14.32  
  Non-Performing CL to Total NPL (%)                     29.66                     29.18                     31.70  
  Non-Performing CL to TLP (%)                        0.46                        0.47                        0.54  
  Non-Performing CL to CL (%)                        3.52                        3.59                        3.80  
   
  Motor Vehicle Loans (MVL) 295.890 300.519 366.164  
  Performing 286.860 290.837 352.828  
  Non-Performing 9.030 9.682 13.336  
  Loan Loss Reserves 4.094 4.619 5.951  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 8,660.696 8,922.132 9,233.092  
  Total Non-Performing Loans (NPL) 134.564 143.793 158.671  
  MVL to TLP (%)                        3.42                        3.37                        3.97  
  Non-Performing MVL to Total NPL (%)                        6.71                        6.73                        8.40  
  Non-Performing MVL to TLP (%)                        0.10                        0.11                        0.14  
  Non-Performing MVL to MVL (%)                        3.05                        3.22                        3.64  
   
  Auto Loans (AL) 293.113 241.694 362.893  
  Performing 284.195 230.192 349.691  
  Non-Performing 8.918 11.501 13.203  
  Loan Loss Reserves 3.993 5.294 5.850  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 8,660.696 934.438 9,233.092  
  Total Non-Performing Loans (NPL) 134.564 55.187 158.671  
  AL to TLP (%)                        3.38                     25.87                        3.93  
  Non-Performing AL to Total NPL (%)                        6.63                     20.84                        8.32  
  Non-Performing AL to TLP (%)                        0.10                        1.23                        0.14  
  Non-Performing AL to AL (%)                        3.04                        4.76                        3.64  
   
  Motorcycle Loans (MCL) 2.777 2.991 3.271  
  Performing 2.665 2.867 3.138  
  Non-Performing 0.112 0.124 0.133  
  Loan Loss Reserves 0.101 0.142 0.101  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 8,660.696 8,922.132 9,233.092  
  Total Non-Performing Loans (NPL) 134.564 143.793 158.671  
  MCL to TLP (%)                        0.03                        0.03                        0.04  
  Non-Performing MCL to Total NPL (%)                        0.08                        0.09                        0.08  
  Non-Performing MCL to TLP (%)                        0.00                        0.00                        0.00  
  Non-Performing MCL to MCL (%)                        4.04                        4.14                        4.07  
   
  Credit Card Receivables (CCR) 300.670 319.639 334.699  
  Performing 284.261 302.214 315.874  
  Non-Performing 16.410 17.425 18.825  
  Loan Loss Reserves 16.248 16.915 17.385  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 8,660.696 8,922.132 9,233.092  
  Total Non-Performing Loans (NPL) 134.564 143.793 158.671  
  CCR to TLP (%)                        3.47                        3.58                        3.62  
  Non-Performing CCR to Total NPL (%)                     12.19                     12.12                     11.86  
  Non-Performing CCR to TLP (%)                        0.19                        0.20                        0.20  
  Non-Performing CCR to CCR (%)                        5.46                        5.45                        5.62  
   
  Salary-Based General-Purpose Consumption Loans (SBGPCL)                  70.734                  70.619                  74.361  
  Performing                  66.571                  66.791                  70.402  
  Non-Performing                     4.163                     3.828                     3.959  
  Loan Loss Reserves                     2.531                     2.422                     2.682  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)           8,660.696           8,922.132           9,233.092  
  Total Non-Performing Loans (NPL)               134.564               143.793               158.671  
  SBGPCL to TLP (%)                        0.82                        0.79                        0.81  
  Non-Performing SBGPCL to Total NPL (%)                        3.09                        2.66                        2.50  
  Non-Performing SBGPCL to TLP (%)                        0.05                        0.04                        0.04  
  Non-Performing SBGPCL to SBGPCL (%)                        5.88                        5.42                        5.32  
   
  Residential Real Estate Loans (RREL) 452.606 462.688 530.909  
  Performing 442.994 452.358 517.473  
  Non-Performing 9.612 10.330 13.436  
  Loan Loss Reserves 1.739 1.873 2.860  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 8,660.696 8,922.132 9,233.092  
  Total Non-Performing Loans (NPL) 134.564 143.793 158.671  
  RREL to TLP (%)                        5.23                        5.19                        5.75  
  Non-Performing RREL to Total NPL (%)                        7.14                        7.18                        8.47  
  Non-Performing RREL to TLP (%)                        0.11                        0.12                        0.15  
  Non-Performing RREL to RREL (%)                        2.12                        2.23                        2.53  
   
  Other Consumer Loans (OCL) 14.143 14.554 16.398  
  Performing 13.450 13.862 15.649  
  Non-Performing 0.693 0.692 0.749  
  Loan Loss Reserves 0.715 0.749 0.697  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 8,660.696 8,922.132 9,233.092  
  Total Non-Performing Loans (NPL) 134.564 143.793 158.671  
  OCL to TLP (%)                        0.16                        0.16                        0.18  
  Non-Performing OCL to Total NPL (%)                        0.51                        0.48                        0.47  
  Non-Performing OCL to TLP (%)                        0.01                        0.01                        0.01  
  Non-Performing OCL to OCL (%)                        4.90                        4.75                        4.57  
                   
1/ Bank Proper only
Note: Details may not add up to totals due to rounding-off
Source : Department of Supervisory Analytics, Financial Supervision Sector, Bangko Sentral ng Pilipinas
Updated as of 9 December 2019