19 CREDIT CARD RECEIVABLES
 
 
Universal and Commercial Banking System 
as of end of periods indicated
in billion pesos
 
           
  Mar-19 Jun-19 Sep-19 Dec-19  
           
  Credit Card Receivables (CCR)               373.303               396.230               414.759               456.608  
  Performing               355.594               377.451               394.517               435.634  
  Non-Performing                  17.709                  18.780                  20.242                  20.974  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)           9,559.553           9,789.680        10,060.694        10,549.126  
  Total Non-Performing Loans (NPL)               184.548               192.742               204.542               204.582  
  CCR to TLP (%)                        3.91                        4.05                        4.12                        4.33  
  Non-Performing CCR to Total NPL (%)                        9.60                        9.74                        9.90                     10.25  
  Non-Performing CCR to TLP (%)                        0.19                        0.19                        0.20                        0.20  
  Non-Performing CCR to CCR (%)                        4.74                        4.74                        4.88                        4.59  
   
  Bank Proper  
  Credit Card Receivables (CCR)               300.670               319.639               334.699               367.662  
  Performing               284.261               302.214               315.874               348.352  
  Non-Performing                  16.410                  17.425                  18.825                  19.310  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)           8,660.696           8,922.132           9,233.092           9,728.056  
  Total Non-Performing Loans (NPL)               134.564               143.793               158.671               156.527  
  CCR to TLP (%)                        3.47                        3.58                        3.62                        3.78  
  Non-Performing CCR to Total NPL (%)                     12.19                     12.12                     11.86                     12.34  
  Non-Performing CCR to TLP (%)                        0.19                        0.20                        0.20                        0.20  
  Non-Performing CCR to CCR (%)                        5.46                        5.45                        5.62                        5.25  
   
  Subsidiaries 1/  
  Credit Card Receivables (CCR)                  72.632                  76.591                  80.060                  88.946  
  Performing                  71.334                  75.237                  78.643                  87.282  
  Non-Performing                     1.299                     1.354                     1.417                     1.664  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)               898.857               867.549               827.602               821.070  
  Total Non-Performing Loans (NPL)                  49.984                  48.950                  45.871                  48.055  
  CCR to TLP (%)                        8.08                        8.83                        9.67                     10.83  
  Non-Performing CCR to Total NPL (%)                        2.60                        2.77                        3.09                        3.46  
  Non-Performing CCR to TLP (%)                        0.14                        0.16                        0.17                        0.20  
  Non-Performing CCR to CCR (%)                        1.79                        1.77                        1.77                        1.87  
                     
1/ Inclusive of thrift bank subsidiaries of universal and commercial banks
Source : Department of Supervisory Analytics, Financial Supervision Sector, Bangko Sentral ng Pilipinas
Updated as of 5 March 2020