33 CONSUMER LOANS 1/
 
 
Commercial Banking System 
as of end of periods indicated
in billion pesos
 
   
  Mar-19 Jun-19 Sep-19  
         
  Consumer Loans (CL) 169.412 166.789 170.690  
  Performing 164.503 161.889 165.396  
  Non-Performing 4.908 4.900 5.294  
  Loan Loss Reserves 4.330 4.300 4.502  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 670.212 714.163 723.479  
  Total Non-Performing Loans (NPL) 11.037 12.422 12.719  
  CL to TLP (%)                     25.28                     23.35                     23.59  
  Non-Performing CL to Total NPL (%)                     44.47                     39.44                     41.62  
  Non-Performing CL to TLP (%)                        0.73                        0.69                        0.73  
  Non-Performing CL to CL (%)                        2.90                        2.94                        3.10  
   
  Motor Vehicle Loans (MVL) 45.499 39.049 39.678  
  Performing 43.898 37.654 38.218  
  Non-Performing 1.600 1.395 1.461  
  Loan Loss Reserves 0.920 0.918 0.905  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 670.212 714.163 723.479  
  Total Non-Performing Loans (NPL) 11.037 12.422 12.719  
  MVL to TLP (%)                        6.79                        5.47                        5.48  
  Non-Performing MVL to Total NPL (%)                     14.50                     11.23                     11.48  
  Non-Performing MVL to TLP (%)                        0.24                        0.20                        0.20  
  Non-Performing MVL to MVL (%)                        3.52                        3.57                        3.68  
   
  Auto Loans (AL) 42.929 36.306 36.715  
  Performing 41.440 35.033 35.384  
  Non-Performing 1.490 1.273 1.331  
  Loan Loss Reserves 0.820 0.776 0.806  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 670.212 714.163 723.479  
  Total Non-Performing Loans (NPL) 11.037 12.422 12.719  
  AL to TLP (%)                        6.41                        5.08                        5.07  
  Non-Performing AL to Total NPL (%)                     13.50                     10.25                     10.46  
  Non-Performing AL to TLP (%)                        0.22                        0.18                        0.18  
  Non-Performing AL to AL (%)                        3.47                        3.51                        3.62  
   
  Motorcycle Loans (MCL) 2.569 2.743 2.964  
  Performing 2.459 2.621 2.834  
  Non-Performing 0.110 0.122 0.130  
  Loan Loss Reserves 0.100 0.142 0.100  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 670.212 714.163 723.479  
  Total Non-Performing Loans (NPL) 11.037 12.422 12.719  
  MCL to TLP (%)                        0.38                        0.38                        0.41  
  Non-Performing MCL to Total NPL (%)                        1.00                        0.98                        1.02  
  Non-Performing MCL to TLP (%)                        0.02                        0.02                        0.02  
  Non-Performing MCL to MCL (%)                        4.30                        4.46                        4.38  
   
  Credit Card Receivables (CCR) 62.361 64.991 66.434  
  Performing 61.108 63.604 64.953  
  Non-Performing 1.254 1.387 1.481  
  Loan Loss Reserves 1.828 1.825 2.103  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 670.212 714.163 723.479  
  Total Non-Performing Loans (NPL) 11.037 12.422 12.719  
  CCR to TLP (%)                        9.30                        9.10                        9.18  
  Non-Performing CCR to Total NPL (%)                     11.36                     11.17                     11.64  
  Non-Performing CCR to TLP (%)                        0.19                        0.19                        0.20  
  Non-Performing CCR to CCR (%)                        2.01                        2.13                        2.23  
   
  Salary-Based General-Purpose Consumption Loans (SBGPCL)                  18.453                  20.241                  20.851  
  Performing                  17.420                  19.087                  19.579  
  Non-Performing                     1.033                     1.154                     1.272  
  Loan Loss Reserves                     0.904                     0.915                     0.944  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)               670.212               714.163               723.479  
  Total Non-Performing Loans (NPL)                  11.037                  12.422                  12.719  
  SBGPCL to TLP (%)                        2.75                        2.83                        2.88  
  Non-Performing SBGPCL to Total NPL (%)                        9.36                        9.29                     10.00  
  Non-Performing SBGPCL to TLP (%)                        0.15                        0.16                        0.18  
  Non-Performing SBGPCL to SBGPCL (%)                        5.60                        5.70                        6.10  
   
  Residential Real Estate Loans (RREL) 40.189 39.610 40.850  
  Performing 39.485 38.921 40.066  
  Non-Performing 0.705 0.688 0.785  
  Loan Loss Reserves 0.284 0.273 0.278  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 670.212 714.163 723.479  
  Total Non-Performing Loans (NPL) 11.037 12.422 12.719  
  RREL to TLP (%)                        6.00                        5.55                        5.65  
  Non-Performing RREL to Total NPL (%)                        6.39                        5.54                        6.17  
  Non-Performing RREL to TLP (%)                        0.11                        0.10                        0.11  
  Non-Performing RREL to RREL (%)                        1.75                        1.74                        1.92  
   
  Other Consumer Loans (OCL) 2.910 2.898 2.877  
  Performing 2.593 2.623 2.581  
  Non-Performing 0.317 0.275 0.295  
  Loan Loss Reserves 0.394 0.369 0.271  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 670.212 714.163 723.479  
  Total Non-Performing Loans (NPL) 11.037 12.422 12.719  
  OCL to TLP (%)                        0.43                        0.41                        0.40  
  Non-Performing OCL to Total NPL (%)                        2.87                        2.22                        2.32  
  Non-Performing OCL to TLP (%)                        0.05                        0.04                        0.04  
  Non-Performing OCL to OCL (%)                     10.88                        9.50                     10.27  
                   
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