19 CREDIT CARD RECEIVABLES
 
 
Universal and Commercial Banking System 
as of end of periods indicated
in billion pesos
 
           
  Mar-20 Jun-20 Sep-20 Dec-20  
           
  Credit Card Receivables (CCR)               446.380               412.598               405.576               419.864  
  Performing               422.717               388.986               375.219               382.718  
  Non-Performing                  23.663                  23.613                  30.357                  37.146  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)        10,512.843        10,259.989        10,052.898        10,261.676  
  Total Non-Performing Loans (NPL)               226.409               252.191               347.363               365.126  
  CCR to TLP (%)                        4.25                        4.02                        4.03                        4.09  
  Non-Performing CCR to Total NPL (%)                     10.45                        9.36                        8.74                     10.17  
  Non-Performing CCR to TLP (%)                        0.23                        0.23                        0.30                        0.36  
  Non-Performing CCR to CCR (%)                        5.30                        5.72                        7.48                        8.85  
   
  Bank Proper  
  Credit Card Receivables (CCR)               444.192               410.410               403.434               417.659  
  Performing               420.716               386.985               373.458               380.870  
  Non-Performing                  23.476                  23.425                  29.976                  36.789  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)           9,832.248           9,589.289           9,406.657           9,624.064  
  Total Non-Performing Loans (NPL)               187.980               212.283               286.877               308.832  
  CCR to TLP (%)                        4.52                        4.28                        4.29                        4.34  
  Non-Performing CCR to Total NPL (%)                     12.49                     11.04                     10.45                     11.91  
  Non-Performing CCR to TLP (%)                        0.24                        0.24                        0.32                        0.38  
  Non-Performing CCR to CCR (%)                        5.29                        5.71                        7.43                        8.81  
   
  Subsidiaries 1/  
  Credit Card Receivables (CCR)                     2.188                     2.188                     2.142                     2.205  
  Performing                     2.001                     2.001                     1.761                     1.848  
  Non-Performing                     0.187                     0.187                     0.381                     0.357  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)               680.596               670.700               646.241               637.612  
  Total Non-Performing Loans (NPL)                  38.428                  39.909                  60.486                  56.294  
  CCR to TLP (%)                        0.32                        0.33                        0.33                        0.35  
  Non-Performing CCR to Total NPL (%)                        0.49                        0.47                        0.63                        0.63  
  Non-Performing CCR to TLP (%)                        0.03                        0.03                        0.06                        0.06  
  Non-Performing CCR to CCR (%)                        8.56                        8.56                     17.80                     16.19  
                     
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 11 May 2020