24 CONSUMER LOANS 1/
 
 
Universal Banking System 
as of end of periods indicated
in billion pesos
 
   
  Mar-19 Jun-19 Sep-19  
         
  Consumer Loans (CL) 964.631 1,001.230 1,151.841  
  Performing 929.632 964.173 1,106.830  
  Non-Performing 34.999 37.057 45.010  
  Loan Loss Reserves 20.996 22.278 25.073  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 7,990.484 8,207.968 8,509.613  
  Total Non-Performing Loans (NPL) 123.527 131.371 145.952  
  CL to TLP (%)                     12.07                     12.20                     13.54  
  Non-Performing CL to Total NPL (%)                     28.33                     28.21                     30.84  
  Non-Performing CL to TLP (%)                        0.44                        0.45                        0.53  
  Non-Performing CL to CL (%)                        3.63                        3.70                        3.91  
   
  Motor Vehicle Loans (MVL) 250.392 261.470 326.485  
  Performing 242.961 253.183 314.611  
  Non-Performing 7.430 8.287 11.875  
  Loan Loss Reserves 3.173 3.702 5.046  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 7,990.484 8,207.968 8,509.613  
  Total Non-Performing Loans (NPL) 123.527 131.371 145.952  
  MVL to TLP (%)                        3.13                        3.19                        3.84  
  Non-Performing MVL to Total NPL (%)                        6.01                        6.31                        8.14  
  Non-Performing MVL to TLP (%)                        0.09                        0.10                        0.14  
  Non-Performing MVL to MVL (%)                        2.97                        3.17                        3.64  
   
  Auto Loans (AL) 250.183 261.222 326.179  
  Performing 242.755 252.937 314.307  
  Non-Performing 7.428 8.286 11.872  
  Loan Loss Reserves 3.173 3.701 5.045  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 7,990.484 8,207.968 8,509.613  
  Total Non-Performing Loans (NPL) 123.527 131.371 145.952  
  AL to TLP (%)                        3.13                        3.18                        3.83  
  Non-Performing AL to Total NPL (%)                        6.01                        6.31                        8.13  
  Non-Performing AL to TLP (%)                        0.09                        0.10                        0.14  
  Non-Performing AL to AL (%)                        2.97                        3.17                        3.64  
   
  Motorcycle Loans (MCL) 0.208 0.248 0.307  
  Performing 0.206 0.246 0.304  
  Non-Performing 0.002 0.002 0.003  
  Loan Loss Reserves 0.001 0.001 0.001  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 7,990.484 8,207.968 8,509.613  
  Total Non-Performing Loans (NPL) 123.527 131.371 145.952  
  MCL to TLP (%)                        0.00                        0.00                        0.00  
  Non-Performing MCL to Total NPL (%)                        0.00                        0.00                        0.00  
  Non-Performing MCL to TLP (%)                        0.00                        0.00                        0.00  
  Non-Performing MCL to MCL (%)                        0.87                        0.67                        0.99  
   
  Credit Card Receivables (CCR) 238.309 254.648 268.265  
  Performing 223.153 238.610 250.921  
  Non-Performing 15.156 16.038 17.344  
  Loan Loss Reserves 14.420 15.091 15.282  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 7,990.484 8,207.968 8,509.613  
  Total Non-Performing Loans (NPL) 123.527 131.371 145.952  
  CCR to TLP (%)                        2.98                        3.10                        3.15  
  Non-Performing CCR to Total NPL (%)                     12.27                     12.21                     11.88  
  Non-Performing CCR to TLP (%)                        0.19                        0.20                        0.20  
  Non-Performing CCR to CCR (%)                        6.36                        6.30                        6.47  
   
  Salary-Based General-Purpose Consumption Loans (SBGPCL)                  52.281                  50.378                  53.510  
  Performing                  49.151                  47.704                  50.824  
  Non-Performing                     3.130                     2.674                     2.687  
  Loan Loss Reserves                     1.627                     1.506                     1.737  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)           7,990.484           8,207.968           8,509.613  
  Total Non-Performing Loans (NPL)               123.527               131.371               145.952  
  SBGPCL to TLP (%)                        0.65                        0.61                        0.63  
  Non-Performing SBGPCL to Total NPL (%)                        2.53                        2.04                        1.84  
  Non-Performing SBGPCL to TLP (%)                        0.04                        0.03                        0.03  
  Non-Performing SBGPCL to SBGPCL (%)                        5.99                        5.31                        5.02  
   
  Residential Real Estate Loans (RREL) 412.416 423.078 490.058  
  Performing 403.509 413.437 477.407  
  Non-Performing 8.907 9.641 12.651  
  Loan Loss Reserves 1.455 1.600 2.581  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 7,990.484 8,207.968 8,509.613  
  Total Non-Performing Loans (NPL) 123.527 131.371 145.952  
  RREL to TLP (%)                        5.16                        5.15                        5.76  
  Non-Performing RREL to Total NPL (%)                        7.21                        7.34                        8.67  
  Non-Performing RREL to TLP (%)                        0.11                        0.12                        0.15  
  Non-Performing RREL to RREL (%)                        2.16                        2.28                        2.58  
   
  Other Consumer Loans (OCL) 11.233 11.656 13.521  
  Performing 10.856 11.239 13.068  
  Non-Performing 0.376 0.417 0.453  
  Loan Loss Reserves 0.321 0.380 0.426  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 7,990.484 8,207.968 8,509.613  
  Total Non-Performing Loans (NPL) 123.527 131.371 145.952  
  OCL to TLP (%)                        0.14                        0.14                        0.16  
  Non-Performing OCL to Total NPL (%)                        0.30                        0.32                        0.31  
  Non-Performing OCL to TLP (%)                        0.00                        0.01                        0.01  
  Non-Performing OCL to OCL (%)                        3.35                        3.57                        3.35  
                   
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