33 CONSUMER LOANS 1/
 
 
Commercial Banking System 
as of end of periods indicated
in billion pesos
 
   
  Mar-19  
     
  Consumer Loans (CL) 169.412  
  Performing 164.503  
  Non-Performing 4.908  
  Loan Loss Reserves 4.330  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 670.212  
  Total Non-Performing Loans (NPL) 11.037  
  CL to TLP (%)                     25.28  
  Non-Performing CL to Total NPL (%)                     44.47  
  Non-Performing CL to TLP (%)                        0.73  
  Non-Performing CL to CL (%)                        2.90  
   
  Motor Vehicle Loans (MVL) 45.499  
  Performing 43.898  
  Non-Performing 1.600  
  Loan Loss Reserves 0.920  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 670.212  
  Total Non-Performing Loans (NPL) 11.037  
  MVL to TLP (%)                        6.79  
  Non-Performing MVL to Total NPL (%)                     14.50  
  Non-Performing MVL to TLP (%)                        0.24  
  Non-Performing MVL to MVL (%)                        3.52  
   
  Auto Loans (AL) 42.929  
  Performing 41.440  
  Non-Performing 1.490  
  Loan Loss Reserves 0.820  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 670.212  
  Total Non-Performing Loans (NPL) 11.037  
  AL to TLP (%)                        6.41  
  Non-Performing AL to Total NPL (%)                     13.50  
  Non-Performing AL to TLP (%)                        0.22  
  Non-Performing AL to AL (%)                        3.47  
   
  Motorcycle Loans (MCL) 2.569  
  Performing 2.459  
  Non-Performing 0.110  
  Loan Loss Reserves 0.100  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 670.212  
  Total Non-Performing Loans (NPL) 11.037  
  MCL to TLP (%)                        0.38  
  Non-Performing MCL to Total NPL (%)                        1.00  
  Non-Performing MCL to TLP (%)                        0.02  
  Non-Performing MCL to MCL (%)                        4.30  
   
  Credit Card Receivables (CCR) 62.361  
  Performing 61.108  
  Non-Performing 1.254  
  Loan Loss Reserves 1.828  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 670.212  
  Total Non-Performing Loans (NPL) 11.037  
  CCR to TLP (%)                        9.30  
  Non-Performing CCR to Total NPL (%)                     11.36  
  Non-Performing CCR to TLP (%)                        0.19  
  Non-Performing CCR to CCR (%)                        2.01  
   
  Salary-Based General-Purpose Consumption Loans (SBGPCL)                  18.453  
  Performing                  17.420  
  Non-Performing                     1.033  
  Loan Loss Reserves                     0.904  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)               670.212  
  Total Non-Performing Loans (NPL)                  11.037  
  SBGPCL to TLP (%)                        2.75  
  Non-Performing SBGPCL to Total NPL (%)                        9.36  
  Non-Performing SBGPCL to TLP (%)                        0.15  
  Non-Performing SBGPCL to SBGPCL (%)                        5.60  
   
  Residential Real Estate Loans (RREL) 40.189  
  Performing 39.485  
  Non-Performing 0.705  
  Loan Loss Reserves 0.284  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 670.212  
  Total Non-Performing Loans (NPL) 11.037  
  RREL to TLP (%)                        6.00  
  Non-Performing RREL to Total NPL (%)                        6.39  
  Non-Performing RREL to TLP (%)                        0.11  
  Non-Performing RREL to RREL (%)                        1.75  
   
  Other Consumer Loans (OCL) 2.910  
  Performing 2.593  
  Non-Performing 0.317  
  Loan Loss Reserves 0.394  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 670.212  
  Total Non-Performing Loans (NPL) 11.037  
  OCL to TLP (%)                        0.43  
  Non-Performing OCL to Total NPL (%)                        2.87  
  Non-Performing OCL to TLP (%)                        0.05  
  Non-Performing OCL to OCL (%)                     10.88  
               
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