42 CONSUMER LOANS 1/
 
 
Thrift Banking System 
as of end of periods indicated
in billion pesos
 
   
  Mar-19 Jun-19  
       
  Consumer Loans (CL) 570.061 582.082  
  Performing 542.041 553.424  
  Non-Performing 28.020 28.657  
  Loan Loss Reserves 11.910 11.739  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 925.163 934.438  
  Total Non-Performing Loans (NPL) 54.458 55.187  
  CL to TLP (%)                     61.62                     62.29  
  Non-Performing CL to Total NPL (%)                     51.45                     51.93  
  Non-Performing CL to TLP (%)                        3.03                        3.07  
  Non-Performing CL to CL (%)                        4.92                        4.92  
   
  Motor Vehicle Loans (MVL) 237.456 241.694  
  Performing 225.979 230.192  
  Non-Performing 11.477 11.501  
  Loan Loss Reserves 5.255 5.294  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 925.163 934.438  
  Total Non-Performing Loans (NPL) 54.458 55.187  
  MVL to TLP (%)                     25.67                     25.87  
  Non-Performing MVL to Total NPL (%)                     21.07                     20.84  
  Non-Performing MVL to TLP (%)                        1.24                        1.23  
  Non-Performing MVL to MVL (%)                        4.83                        4.76  
   
  Auto Loans (AL) 218.177 221.256  
  Performing 208.070 211.309  
  Non-Performing 10.107 9.947  
  Loan Loss Reserves 4.392 4.320  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 925.163 934.438  
  Total Non-Performing Loans (NPL) 54.458 55.187  
  AL to TLP (%)                     23.58                     23.68  
  Non-Performing AL to Total NPL (%)                     18.56                     18.02  
  Non-Performing AL to TLP (%)                        1.09                        1.06  
  Non-Performing AL to AL (%)                        4.63                        4.50  
   
  Motorcycle Loans (MCL) 19.278 20.437  
  Performing 17.909 18.883  
  Non-Performing 1.370 1.554  
  Loan Loss Reserves 0.863 0.974  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 925.163 934.438  
  Total Non-Performing Loans (NPL) 54.458 55.187  
  MCL to TLP (%)                        2.08                        2.19  
  Non-Performing MCL to Total NPL (%)                        2.52                        2.82  
  Non-Performing MCL to TLP (%)                        0.15                        0.17  
  Non-Performing MCL to MCL (%)                        7.10                        7.60  
   
  Credit Card Receivables (CCR) 1.771 1.980  
  Performing 1.667 1.841  
  Non-Performing 0.104 0.139  
  Loan Loss Reserves 0.081 0.141  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 925.163 934.438  
  Total Non-Performing Loans (NPL) 54.458 55.187  
  CCR to TLP (%)                        0.19                        0.21  
  Non-Performing CCR to Total NPL (%)                        0.19                        0.25  
  Non-Performing CCR to TLP (%)                        0.01                        0.01  
  Non-Performing CCR to CCR (%)                        5.88                        7.01  
   
  Salary-Based General-Purpose Consumption Loans (SBGPCL)                  79.924                  81.615  
  Performing                  74.682                  76.333  
  Non-Performing                     5.241                     5.281  
  Loan Loss Reserves                     2.375                     2.255  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)               925.163               934.438  
  Total Non-Performing Loans (NPL)                  54.458                  55.187  
  SBGPCL to TLP (%)                        8.64                        8.73  
  Non-Performing SBGPCL to Total NPL (%)                        9.62                        9.57  
  Non-Performing SBGPCL to TLP (%)                        0.57                        0.57  
  Non-Performing SBGPCL to SBGPCL (%)                        6.56                        6.47  
   
  Residential Real Estate Loans (RREL) 238.272 243.883  
  Performing 228.273 233.393  
  Non-Performing 10.000 10.490  
  Loan Loss Reserves 3.471 3.234  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 925.163 934.438  
  Total Non-Performing Loans (NPL) 54.458 55.187  
  RREL to TLP (%)                     25.75                     26.10  
  Non-Performing RREL to Total NPL (%)                     18.36                     19.01  
  Non-Performing RREL to TLP (%)                        1.08                        1.12  
  Non-Performing RREL to RREL (%)                        4.20                        4.30  
   
  Other Consumer Loans (OCL) 12.639 12.911  
  Performing 11.441 11.665  
  Non-Performing 1.198 1.246  
  Loan Loss Reserves 0.728 0.815  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 925.163 934.438  
  Total Non-Performing Loans (NPL) 54.458 55.187  
  OCL to TLP (%)                        1.37                        1.38  
  Non-Performing OCL to Total NPL (%)                        2.20                        2.26  
  Non-Performing OCL to TLP (%)                        0.13                        0.13  
  Non-Performing OCL to OCL (%)                        9.48                        9.65  
                 
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 September 2019