24 CONSUMER LOANS 1/
 
 
Universal Banking System 
as of end of periods indicated
in billion pesos
 
   
  Mar-18 Jun-18 Sep-18 Dec-18  
           
  Consumer Loans (CL) 841.670 867.043 899.229 945.363  
  Performing 810.288 835.701 867.698 912.247  
  Non-Performing 31.381 31.342 31.531 33.116  
  Loan Loss Reserves 20.929 19.429 18.844 19.423  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 7,177.017 7,431.354 7,685.001 8,095.695  
  Total Non-Performing Loans (NPL) 94.214 100.011 102.459 102.821  
  CL to TLP (%) 11.73 11.67 11.70 11.68  
  Non-Performing CL to Total NPL (%) 33.31 31.34 30.77 32.21  
  Non-Performing CL to TLP (%) 0.44 0.42 0.41 0.41  
  Non-Performing CL to CL (%) 3.73 3.61 3.51 3.50  
   
  Motor Vehicle Loans (MVL) 226.208 229.617 235.922 242.518  
  Performing 218.846 223.210 228.725 235.382  
  Non-Performing 7.361 6.406 7.198 7.136  
  Loan Loss Reserves 3.648 3.019 3.059 2.842  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 7,177.017 7,431.354 7,685.001 8,095.695  
  Total Non-Performing Loans (NPL) 94.214 100.011 102.459 102.821  
  MVL to TLP (%) 3.15 3.09 3.07 3.00  
  Non-Performing MVL to Total NPL (%) 7.81 6.41 7.02 6.94  
  Non-Performing MVL to TLP (%) 0.10 0.09 0.09 0.09  
  Non-Performing MVL to MVL (%) 3.25 2.79 3.05 2.94  
   
  Auto Loans (AL) 226.100 229.473 235.783 242.331  
  Performing 218.740 223.068 228.586 235.197  
  Non-Performing 7.360 6.405 7.196 7.134  
  Loan Loss Reserves 3.647 3.018 3.058 2.842  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 7,177.017 7,431.354 7,685.001 8,095.695  
  Total Non-Performing Loans (NPL) 94.214 100.011 102.459 102.821  
  AL to TLP (%) 3.15 3.09 3.07 2.99  
  Non-Performing AL to Total NPL (%) 7.81 6.40 7.02 6.94  
  Non-Performing AL to TLP (%) 0.10 0.09 0.09 0.09  
  Non-Performing AL to AL (%) 3.26 2.79 3.05 2.94  
   
  Motorcycle Loans (MCL) 0.108 0.143 0.140 0.187  
  Performing 0.107 0.142 0.138 0.185  
  Non-Performing 0.001 0.001 0.001 0.002  
  Loan Loss Reserves 0.001 0.001 0.001 0.001  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 7,177.017 7,431.354 7,685.001 8,095.695  
  Total Non-Performing Loans (NPL) 94.214 100.011 102.459 102.821  
  MCL to TLP (%) 0.00 0.00 0.00 0.00  
  Non-Performing MCL to Total NPL (%) 0.00 0.00 0.00 0.00  
  Non-Performing MCL to TLP (%) 0.00 0.00 0.00 0.00  
  Non-Performing MCL to MCL (%) 1.20 0.86 1.02 1.00  
   
  Credit Card Receivables (CCR) 190.970 203.021 212.767 234.280  
  Performing 178.102 189.690 199.698 220.101  
  Non-Performing 12.868 13.331 13.069 14.179  
  Loan Loss Reserves 12.483 12.257 12.436 13.462  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 7,177.017 7,431.354 7,685.001 8,095.695  
  Total Non-Performing Loans (NPL) 94.214 100.011 102.459 102.821  
  CCR to TLP (%) 2.66 2.73 2.77 2.89  
  Non-Performing CCR to Total NPL (%) 13.66 13.33 12.76 13.79  
  Non-Performing CCR to TLP (%) 0.18 0.18 0.17 0.18  
  Non-Performing CCR to CCR (%) 6.74 6.57 6.14 6.05  
   
  Salary-Based General-Purpose Consumption Loans (SBGPCL)                  54.617                  54.128                  52.986                  50.944  
  Performing                  51.974                  51.081                  49.565                  47.758  
  Non-Performing                     2.643                     3.047                     3.421                     3.187  
  Loan Loss Reserves                     1.830                     1.957                     1.854                     1.342  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)           7,177.017           7,431.354           7,685.001           8,095.695  
  Total Non-Performing Loans (NPL)                  94.214               100.011               102.459               102.821  
  SBGPCL to TLP (%)                        0.76                        0.73                        0.69                        0.63  
  Non-Performing SBGPCL to Total NPL (%)                        2.81                        3.05                        3.34                        3.10  
  Non-Performing SBGPCL to TLP (%)                        0.04                        0.04                        0.04                        0.04  
  Non-Performing SBGPCL to SBGPCL (%)                        4.84                        5.63                        6.46                        6.26  
   
  Residential Real Estate Loans (RREL) 360.767 370.566 387.583 404.486  
  Performing 352.595 362.298 380.043 396.193  
  Non-Performing 8.172 8.268 7.540 8.293  
  Loan Loss Reserves 2.622 1.879 1.256 1.550  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 7,177.017 7,431.354 7,685.001 8,095.695  
  Total Non-Performing Loans (NPL) 94.214 100.011 102.459 102.821  
  RREL to TLP (%) 5.03 4.99 5.04 5.00  
  Non-Performing RREL to Total NPL (%) 8.67 8.27 7.36 8.07  
  Non-Performing RREL to TLP (%) 0.11 0.11 0.10 0.10  
  Non-Performing RREL to RREL (%) 2.27 2.23 1.95 2.05  
   
  Other Consumer Loans (OCL) 9.107 9.713 9.971 13.135  
  Performing 8.770 9.422 9.667 12.814  
  Non-Performing 0.337 0.290 0.304 0.321  
  Loan Loss Reserves 0.345 0.316 0.238 0.227  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 7,177.017 7,431.354 7,685.001 8,095.695  
  Total Non-Performing Loans (NPL) 94.214 100.011 102.459 102.821  
  OCL to TLP (%) 0.13 0.13 0.13 0.16  
  Non-Performing OCL to Total NPL (%) 0.36 0.29 0.30 0.31  
  Non-Performing OCL to TLP (%) 0.00 0.00 0.00 0.00  
  Non-Performing OCL to OCL (%) 3.70 2.99 3.05 2.44  
                     
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