15 CONSUMER LOANS 1/
 
 
Universal and Commercial Banking System 
as of end of periods indicated
in billion pesos
 
   
  Mar-19  
     
  Consumer Loans (CL) 1,134.043  
  Performing 1,094.135  
  Non-Performing 39.908  
  Loan Loss Reserves 25.326  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 8,660.696  
  Total Non-Performing Loans (NPL) 134.564  
  CL to TLP (%)                     13.09  
  Non-Performing CL to Total NPL (%)                     29.66  
  Non-Performing CL to TLP (%)                        0.46  
  Non-Performing CL to CL (%)                        3.52  
   
  Motor Vehicle Loans (MVL) 295.890  
  Performing 286.860  
  Non-Performing 9.030  
  Loan Loss Reserves 4.094  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 8,660.696  
  Total Non-Performing Loans (NPL) 134.564  
  MVL to TLP (%)                        3.42  
  Non-Performing MVL to Total NPL (%)                        6.71  
  Non-Performing MVL to TLP (%)                        0.10  
  Non-Performing MVL to MVL (%)                        3.05  
   
  Auto Loans (AL) 293.113  
  Performing 284.195  
  Non-Performing 8.918  
  Loan Loss Reserves 3.993  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 8,660.696  
  Total Non-Performing Loans (NPL) 134.564  
  AL to TLP (%)                        3.38  
  Non-Performing AL to Total NPL (%)                        6.63  
  Non-Performing AL to TLP (%)                        0.10  
  Non-Performing AL to AL (%)                        3.04  
   
  Motorcycle Loans (MCL) 2.777  
  Performing 2.665  
  Non-Performing 0.112  
  Loan Loss Reserves 0.101  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 8,660.696  
  Total Non-Performing Loans (NPL) 134.564  
  MCL to TLP (%)                        0.03  
  Non-Performing MCL to Total NPL (%)                        0.08  
  Non-Performing MCL to TLP (%)                        0.00  
  Non-Performing MCL to MCL (%)                        4.04  
   
  Credit Card Receivables (CCR) 300.670  
  Performing 284.261  
  Non-Performing 16.410  
  Loan Loss Reserves 16.248  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 8,660.696  
  Total Non-Performing Loans (NPL) 134.564  
  CCR to TLP (%)                        3.47  
  Non-Performing CCR to Total NPL (%)                     12.19  
  Non-Performing CCR to TLP (%)                        0.19  
  Non-Performing CCR to CCR (%)                        5.46  
   
  Salary-Based General-Purpose Consumption Loans (SBGPCL)                  70.734  
  Performing                  66.571  
  Non-Performing                     4.163  
  Loan Loss Reserves                     2.531  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)           8,660.696  
  Total Non-Performing Loans (NPL)               134.564  
  SBGPCL to TLP (%)                        0.82  
  Non-Performing SBGPCL to Total NPL (%)                        3.09  
  Non-Performing SBGPCL to TLP (%)                        0.05  
  Non-Performing SBGPCL to SBGPCL (%)                        5.88  
   
  Residential Real Estate Loans (RREL) 452.606  
  Performing 442.994  
  Non-Performing 9.612  
  Loan Loss Reserves 1.739  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 8,660.696  
  Total Non-Performing Loans (NPL) 134.564  
  RREL to TLP (%)                        5.23  
  Non-Performing RREL to Total NPL (%)                        7.14  
  Non-Performing RREL to TLP (%)                        0.11  
  Non-Performing RREL to RREL (%)                        2.12  
   
  Other Consumer Loans (OCL) 14.143  
  Performing 13.450  
  Non-Performing 0.693  
  Loan Loss Reserves 0.715  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 8,660.696  
  Total Non-Performing Loans (NPL) 134.564  
  OCL to TLP (%)                        0.16  
  Non-Performing OCL to Total NPL (%)                        0.51  
  Non-Performing OCL to TLP (%)                        0.01  
  Non-Performing OCL to OCL (%)                        4.90  
               
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 10 June 2019