24 CONSUMER LOANS 1/
 
 
Universal Banking System 
as of end of periods indicated
in billion pesos
 
   
  Mar-19  
     
  Consumer Loans (CL) 964.631  
  Performing 929.632  
  Non-Performing 34.999  
  Loan Loss Reserves 20.996  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 7,990.484  
  Total Non-Performing Loans (NPL) 123.527  
  CL to TLP (%)                     12.07  
  Non-Performing CL to Total NPL (%)                     28.33  
  Non-Performing CL to TLP (%)                        0.44  
  Non-Performing CL to CL (%)                        3.63  
   
  Motor Vehicle Loans (MVL) 250.392  
  Performing 242.961  
  Non-Performing 7.430  
  Loan Loss Reserves 3.173  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 7,990.484  
  Total Non-Performing Loans (NPL) 123.527  
  MVL to TLP (%)                        3.13  
  Non-Performing MVL to Total NPL (%)                        6.01  
  Non-Performing MVL to TLP (%)                        0.09  
  Non-Performing MVL to MVL (%)                        2.97  
   
  Auto Loans (AL) 250.183  
  Performing 242.755  
  Non-Performing 7.428  
  Loan Loss Reserves 3.173  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 7,990.484  
  Total Non-Performing Loans (NPL) 123.527  
  AL to TLP (%)                        3.13  
  Non-Performing AL to Total NPL (%)                        6.01  
  Non-Performing AL to TLP (%)                        0.09  
  Non-Performing AL to AL (%)                        2.97  
   
  Motorcycle Loans (MCL) 0.208  
  Performing 0.206  
  Non-Performing 0.002  
  Loan Loss Reserves 0.001  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 7,990.484  
  Total Non-Performing Loans (NPL) 123.527  
  MCL to TLP (%)                        0.00  
  Non-Performing MCL to Total NPL (%)                        0.00  
  Non-Performing MCL to TLP (%)                        0.00  
  Non-Performing MCL to MCL (%)                        0.87  
   
  Credit Card Receivables (CCR) 238.309  
  Performing 223.153  
  Non-Performing 15.156  
  Loan Loss Reserves 14.420  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 7,990.484  
  Total Non-Performing Loans (NPL) 123.527  
  CCR to TLP (%)                        2.98  
  Non-Performing CCR to Total NPL (%)                     12.27  
  Non-Performing CCR to TLP (%)                        0.19  
  Non-Performing CCR to CCR (%)                        6.36  
   
  Salary-Based General-Purpose Consumption Loans (SBGPCL)                  52.281  
  Performing                  49.151  
  Non-Performing                     3.130  
  Loan Loss Reserves                     1.627  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)           7,990.484  
  Total Non-Performing Loans (NPL)               123.527  
  SBGPCL to TLP (%)                        0.65  
  Non-Performing SBGPCL to Total NPL (%)                        2.53  
  Non-Performing SBGPCL to TLP (%)                        0.04  
  Non-Performing SBGPCL to SBGPCL (%)                        5.99  
   
  Residential Real Estate Loans (RREL) 412.416  
  Performing 403.509  
  Non-Performing 8.907  
  Loan Loss Reserves 1.455  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 7,990.484  
  Total Non-Performing Loans (NPL) 123.527  
  RREL to TLP (%)                        5.16  
  Non-Performing RREL to Total NPL (%)                        7.21  
  Non-Performing RREL to TLP (%)                        0.11  
  Non-Performing RREL to RREL (%)                        2.16  
   
  Other Consumer Loans (OCL) 11.233  
  Performing 10.856  
  Non-Performing 0.376  
  Loan Loss Reserves 0.321  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 7,990.484  
  Total Non-Performing Loans (NPL) 123.527  
  OCL to TLP (%)                        0.14  
  Non-Performing OCL to Total NPL (%)                        0.30  
  Non-Performing OCL to TLP (%)                        0.00  
  Non-Performing OCL to OCL (%)                        3.35  
               
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