19			CREDIT CARD RECEIVABLES
Universal and Commercial Banking System
as of end of periods indicated
in billion pesos
						Mar-23	Jun-23	Sep-23	Dec-23
	Credit Card Receivables (CCR)					572.867	618.612	661.889	722.456
		Performing				550.855	595.229	634.818	693.848
		Non-Performing				22.012	23.383	27.071	28.608
		Total Loan Portfolio (TLP), net of Interbank Loans (IBL)				12,168.263	11,570.085	11,775.784	12,313.144
		Total Non-Performing Loans (NPL)				422.430	403.036	407.738	415.199
		CCR to TLP (%)				4.71	5.35	5.62	5.87
		Non-Performing CCR to Total NPL (%)				5.21	5.80	6.64	6.89
		Non-Performing CCR to TLP (%)				0.18	0.20	0.23	0.23
		Non-Performing CCR to CCR (%)				3.84	3.78	4.09	3.96
	Bank Proper
	Credit Card Receivables (CCR)					572.867	618.612	661.889	722.456
		Performing				550.855	595.229	634.818	693.848
		Non-Performing				22.012	23.383	27.071	28.608
		Total Loan Portfolio (TLP), net of Interbank Loans (IBL)				10,863.472	11,078.125	11,257.213	11,783.873
		Total Non-Performing Loans (NPL)				351.510	370.913	374.272	379.796
		CCR to TLP (%)				5.27	5.58	5.88	6.13
		Non-Performing CCR to Total NPL (%)				6.26	6.30	7.23	7.53
		Non-Performing CCR to TLP (%)				0.20	0.21	0.24	0.24
		Non-Performing CCR to CCR (%)				3.84	3.78	4.09	3.96
	Subsidiaries 1/
	Credit Card Receivables (CCR)					-	-	-	-
		Performing				-	-	-	-
		Non-Performing				-	-	-	-
		Total Loan Portfolio (TLP), net of Interbank Loans (IBL)				1,304.791	491.960	518.570	529.272
		Total Non-Performing Loans (NPL)				70.920	32.123	33.466	35.403
		CCR to TLP (%)				-	-	-	-
		Non-Performing CCR to Total NPL (%)				-	-	-	-
		Non-Performing CCR to TLP (%)				-	-	-	-
		Non-Performing CCR to CCR (%)				#DIV/0!	#DIV/0!	#DIV/0!	#DIV/0!
	1/ Inclusive of thrift bank subsidiaries of universal and commercial banks
	Source : Department of Supervisory Analytics, Financial Supervision Sector, Bangko Sentral ng Pilipinas
	Updated as of 7 March 2024