6 CONSUMER LOANS 1/
 
 
Philippine Banking System 
as of end of periods indicated
in billion pesos
 
   
  Mar-18 Jun-18 Sep-18 Dec-18  
           
  Consumer Loans (CL) 1,527.315 1,566.584 1,605.100 1,662.847  
  Performing 1,466.267 1,504.424 1,542.286 1,597.892  
  Non-Performing 61.048 62.160 62.814 64.955  
  Loan Loss Reserves 36.368 36.413 35.707 36.290  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 8,630.832 8,936.563 9,283.742 9,678.406  
  Total Non-Performing Loans (NPL) 149.033 157.270 159.857 161.779  
  CL to TLP (%) 17.70 17.53 17.29 17.18  
  Non-Performing CL to Total NPL (%) 40.96 39.52 39.29 40.15  
  Non-Performing CL to TLP (%) 0.71 0.70 0.68 0.67  
  Non-Performing CL to CL (%) 4.00 3.97 3.91 3.91  
   
  Motor Vehicle Loans (MVL) 498.607 502.839 511.814 521.445  
  Performing 479.648 484.469 492.236 501.594  
  Non-Performing 18.959 18.370 19.578 19.851  
  Loan Loss Reserves 9.692 9.397 9.143 8.844  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 8,630.832 8,936.563 9,283.742 9,678.406  
  Total Non-Performing Loans (NPL) 149.033 157.270 159.857 161.779  
  MVL to TLP (%) 5.78 5.63 5.51 5.39  
  Non-Performing MVL to Total NPL (%) 12.72 11.68 12.25 12.27  
  Non-Performing MVL to TLP (%) 0.22 0.21 0.21 0.21  
  Non-Performing MVL to MVL (%) 3.80 3.65 3.83 3.81  
   
  Auto Loans (AL) 480.030 484.944 493.023 500.889  
  Performing 462.375 468.013 474.877 482.463  
  Non-Performing 17.654 16.931 18.146 18.425  
  Loan Loss Reserves 8.573 8.141 8.286 7.935  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 8,630.832 8,936.563 9,283.742 9,678.406  
  Total Non-Performing Loans (NPL) 149.033 157.270 159.857 161.779  
  AL to TLP (%) 5.56 5.43 5.31 5.18  
  Non-Performing AL to Total NPL (%) 11.85 10.77 11.35 11.39  
  Non-Performing AL to TLP (%) 0.20 0.19 0.20 0.19  
  Non-Performing AL to AL (%) 3.68 3.49 3.68 3.68  
   
  Motorcycle Loans (MCL) 18.577 17.895 18.791 20.556  
  Performing 17.273 16.456 17.358 19.131  
  Non-Performing 1.304 1.439 1.432 1.425  
  Loan Loss Reserves 1.120 1.256 0.857 0.909  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 8,630.832 8,936.563 9,283.742 9,678.406  
  Total Non-Performing Loans (NPL) 149.033 157.270 159.857 161.779  
  MCL to TLP (%) 0.22 0.20 0.20 0.21  
  Non-Performing MCL to Total NPL (%) 0.88 0.91 0.90 0.88  
  Non-Performing MCL to TLP (%) 0.02 0.02 0.02 0.01  
  Non-Performing MCL to MCL (%) 7.02 8.04 7.62 6.93  
   
  Credit Card Receivables (CCR) 240.970 255.140 264.632 288.744  
  Performing 227.001 240.672 250.350 273.233  
  Non-Performing 13.969 14.468 14.282 15.510  
  Loan Loss Reserves 14.073 13.835 14.144 15.318  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 8,630.832 8,936.563 9,283.742 9,678.406  
  Total Non-Performing Loans (NPL) 149.033 157.270 159.857 161.779  
  CCR to TLP (%) 2.79 2.86 2.85 2.98  
  Non-Performing CCR to Total NPL (%) 9.37 9.20 8.93 9.59  
  Non-Performing CCR to TLP (%) 0.16 0.16 0.15 0.16  
  Non-Performing CCR to CCR (%) 5.80 5.67 5.40 5.37  
   
  Salary-Based General-Purpose Consumption Loans (SBGPCL)               147.577               147.319               150.708               147.563  
  Performing               138.955               137.635               140.770               138.270  
  Non-Performing                     8.621                     9.684                     9.938                     9.292  
  Loan Loss Reserves                     4.293                     5.570                     5.612                     5.516  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)           8,630.832           8,936.563           9,283.742           9,678.406  
  Total Non-Performing Loans (NPL)               149.033               157.270               159.857               161.779  
  SBGPCL to TLP (%)                        1.71                        1.65                        1.62                        1.52  
  Non-Performing SBGPCL to Total NPL (%)                        5.78                        6.16                        6.22                        5.74  
  Non-Performing SBGPCL to TLP (%)                        0.10                        0.11                        0.11                        0.10  
  Non-Performing SBGPCL to SBGPCL (%)                        5.84                        6.57                        6.59                        6.30  
   
  Residential Real Estate Loans (RREL) 615.383 636.685 653.242 677.067  
  Performing 597.708 618.929 636.097 658.538  
  Non-Performing 17.675 17.756 17.145 18.529  
  Loan Loss Reserves 6.744 6.211 5.394 5.309  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 8,630.832 8,936.563 9,283.742 9,678.406  
  Total Non-Performing Loans (NPL) 149.033 157.270 159.857 161.779  
  RREL to TLP (%) 7.13 7.12 7.04 7.00  
  Non-Performing RREL to Total NPL (%) 11.86 11.29 10.73 11.45  
  Non-Performing RREL to TLP (%) 0.20 0.20 0.18 0.19  
  Non-Performing RREL to RREL (%) 2.87 2.79 2.62 2.74  
   
  Other Consumer Loans (OCL) 24.779 24.601 24.705 28.029  
  Performing 22.955 22.719 22.834 26.256  
  Non-Performing 1.824 1.882 1.871 1.773  
  Loan Loss Reserves 1.566 1.400 1.414 1.303  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 8,630.832 8,936.563 9,283.742 9,678.406  
  Total Non-Performing Loans (NPL) 149.033 157.270 159.857 161.779  
  OCL to TLP (%) 0.29 0.28 0.27 0.29  
  Non-Performing OCL to Total NPL (%) 1.22 1.20 1.17 1.10  
  Non-Performing OCL to TLP (%) 0.02 0.02 0.02 0.02  
  Non-Performing OCL to OCL (%) 7.36 7.65 7.57 6.33  
                     
1/ Universal, Commercial, and Thrift Banks (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