33 CONSUMER LOANS 1/
 
 
Commercial Banking System 
as of end of periods indicated
in billion pesos
 
   
  Mar-18 Jun-18 Sep-18 Dec-18  
           
  Consumer Loans (CL) 141.380 148.766 152.040 155.612  
  Performing 137.417 144.626 147.783 151.044  
  Non-Performing 3.963 4.140 4.256 4.569  
  Loan Loss Reserves 3.674 3.817 3.958 4.145  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 589.402 622.950 692.953 666.688  
  Total Non-Performing Loans (NPL) 10.186 10.595 10.304 10.698  
  CL to TLP (%) 23.99 23.88 21.94 23.34  
  Non-Performing CL to Total NPL (%) 38.91 39.07 41.31 42.71  
  Non-Performing CL to TLP (%) 0.67 0.66 0.61 0.69  
  Non-Performing CL to CL (%) 2.80 2.78 2.80 2.94  
   
  Motor Vehicle Loans (MVL) 45.569 46.456 46.833 45.749  
  Performing 44.267 45.061 45.426 44.238  
  Non-Performing 1.302 1.396 1.407 1.511  
  Loan Loss Reserves 0.745 0.829 0.735 0.857  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 589.402 622.950 692.953 666.688  
  Total Non-Performing Loans (NPL) 10.186 10.595 10.304 10.698  
  MVL to TLP (%) 7.73 7.46 6.76 6.86  
  Non-Performing MVL to Total NPL (%) 12.78 13.17 13.65 14.12  
  Non-Performing MVL to TLP (%) 0.22 0.22 0.20 0.23  
  Non-Performing MVL to MVL (%) 2.86 3.00 3.00 3.30  
   
  Auto Loans (AL) 43.697 44.526 44.862 43.500  
  Performing 42.519 43.256 43.582 42.097  
  Non-Performing 1.178 1.270 1.280 1.403  
  Loan Loss Reserves 0.669 0.756 0.668 0.749  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 589.402 622.950 692.953 666.688  
  Total Non-Performing Loans (NPL) 10.186 10.595 10.304 10.698  
  AL to TLP (%) 7.41 7.15 6.47 6.52  
  Non-Performing AL to Total NPL (%) 11.57 11.98 12.43 13.12  
  Non-Performing AL to TLP (%) 0.20 0.20 0.18 0.21  
  Non-Performing AL to AL (%) 2.70 2.85 2.85 3.23  
   
  Motorcycle Loans (MCL) 1.872 1.931 1.971 2.249  
  Performing 1.748 1.804 1.845 2.141  
  Non-Performing 0.123 0.126 0.126 0.107  
  Loan Loss Reserves 0.076 0.073 0.067 0.108  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 589.402 622.950 692.953 666.688  
  Total Non-Performing Loans (NPL) 10.186 10.595 10.304 10.698  
  MCL to TLP (%) 0.32 0.31 0.28 0.34  
  Non-Performing MCL to Total NPL (%) 1.21 1.19 1.23 1.00  
  Non-Performing MCL to TLP (%) 0.02 0.02 0.02 0.02  
  Non-Performing MCL to MCL (%) 6.59 6.54 6.41 4.77  
   
  Credit Card Receivables (CCR) 48.635 50.661 50.343 52.809  
  Performing 47.630 49.618 49.236 51.593  
  Non-Performing 1.005 1.043 1.106 1.216  
  Loan Loss Reserves 1.489 1.474 1.597 1.741  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 589.402 622.950 692.953 666.688  
  Total Non-Performing Loans (NPL) 10.186 10.595 10.304 10.698  
  CCR to TLP (%) 8.25 8.13 7.26 7.92  
  Non-Performing CCR to Total NPL (%) 9.87 9.84 10.74 11.36  
  Non-Performing CCR to TLP (%) 0.17 0.17 0.16 0.18  
  Non-Performing CCR to CCR (%) 2.07 2.06 2.20 2.30  
   
  Salary-Based General-Purpose Consumption Loans (SBGPCL)                  14.406                  15.819                  16.421                  16.806  
  Performing                  13.526                  14.854                  15.458                  15.805  
  Non-Performing                     0.879                     0.965                     0.963                     1.001  
  Loan Loss Reserves                     0.634                     0.779                     0.834                     0.884  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)               589.402               622.950               692.953               666.688  
  Total Non-Performing Loans (NPL)                  10.186                  10.595                  10.304                  10.698  
  SBGPCL to TLP (%)                        2.44                        2.54                        2.37                        2.52  
  Non-Performing SBGPCL to Total NPL (%)                        8.63                        9.11                        9.35                        9.35  
  Non-Performing SBGPCL to TLP (%)                        0.15                        0.15                        0.14                        0.15  
  Non-Performing SBGPCL to SBGPCL (%)                        6.10                        6.10                        5.87                        5.95  
   
  Residential Real Estate Loans (RREL) 30.425 33.763 36.366 38.330  
  Performing 29.927 33.298 35.866 37.742  
  Non-Performing 0.498 0.465 0.500 0.588  
  Loan Loss Reserves 0.343 0.382 0.398 0.287  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 589.402 622.950 692.953 666.688  
  Total Non-Performing Loans (NPL) 10.186 10.595 10.304 10.698  
  RREL to TLP (%) 5.16 5.42 5.25 5.75  
  Non-Performing RREL to Total NPL (%) 4.89 4.39 4.85 5.50  
  Non-Performing RREL to TLP (%) 0.08 0.07 0.07 0.09  
  Non-Performing RREL to RREL (%) 1.64 1.38 1.37 1.53  
   
  Other Consumer Loans (OCL) 2.345 2.067 2.077 1.919  
  Performing 2.067 1.796 1.797 1.665  
  Non-Performing 0.279 0.270 0.280 0.254  
  Loan Loss Reserves 0.462 0.353 0.394 0.376  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 589.402 622.950 692.953 666.688  
  Total Non-Performing Loans (NPL) 10.186 10.595 10.304 10.698  
  OCL to TLP (%) 0.40 0.33 0.30 0.29  
  Non-Performing OCL to Total NPL (%) 2.74 2.55 2.72 2.37  
  Non-Performing OCL to TLP (%) 0.05 0.04 0.04 0.04  
  Non-Performing OCL to OCL (%) 11.88 13.09 13.49 13.22  
                     
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