6 CONSUMER LOANS 1/
 
 
Philippine Banking System 
as of end of periods indicated
in billion pesos
 
   
  Mar-20 Jun-20 Sep-20 Dec-20  
           
  Consumer Loans (CL) 2,006.024 1,997.728 1,971.505 1,988.460  
  Performing 1,916.514 1,886.798 1,803.667 1,802.896  
  Non-Performing 89.510 110.930 167.838 185.564  
  Loan Loss Reserves 54.188 70.427 81.505 96.238  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 10,633.846 10,377.461 10,197.102 10,418.643  
  Total Non-Performing Loans (NPL) 232.178 257.323 350.739 371.727  
  CL to TLP (%)                     18.86                     19.25                     19.33                     19.09  
  Non-Performing CL to Total NPL (%)                     38.55                     43.11                     47.85                     49.92  
  Non-Performing CL to TLP (%)                        0.84                        1.07                        1.65                        1.78  
  Non-Performing CL to CL (%)                        4.46                        5.55                        8.51                        9.33  
   
  Motor Vehicle Loans (MVL) 597.069 591.509 562.710 543.710  
  Performing 570.040 559.858 507.965 485.669  
  Non-Performing 27.029 31.651 54.745 58.041  
  Loan Loss Reserves 12.569 23.742 26.443 28.328  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 10,633.846 10,377.461 10,197.102 10,418.643  
  Total Non-Performing Loans (NPL) 232.178 257.323 350.739 371.727  
  MVL to TLP (%)                        5.61                        5.70                        5.52                        5.22  
  Non-Performing MVL to Total NPL (%)                     11.64                     12.30                     15.61                     15.61  
  Non-Performing MVL to TLP (%)                        0.25                        0.31                        0.54                        0.56  
  Non-Performing MVL to MVL (%)                        4.53                        5.35                        9.73                     10.68  
   
  Auto Loans (AL) 567.739 561.322 531.864 512.216  
  Performing 543.009 531.988 479.508 456.129  
  Non-Performing 24.729 29.334 52.356 56.088  
  Loan Loss Reserves 11.215 22.165 24.928 26.580  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 10,633.846 10,377.461 10,197.102 10,418.643  
  Total Non-Performing Loans (NPL) 232.178 257.323 350.739 371.727  
  AL to TLP (%)                        5.34                        5.41                        5.22                        4.92  
  Non-Performing AL to Total NPL (%)                     10.65                     11.40                     14.93                     15.09  
  Non-Performing AL to TLP (%)                        0.23                        0.28                        0.51                        0.54  
  Non-Performing AL to AL (%)                        4.36                        5.23                        9.84                     10.95  
   
  Motorcycle Loans (MCL) 29.331 30.187 30.846 31.493  
  Performing 27.031 27.870 28.457 29.540  
  Non-Performing 2.300 2.318 2.389 1.953  
  Loan Loss Reserves 1.353 1.577 1.515 1.748  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 10,633.846 10,377.461 10,197.102 10,418.643  
  Total Non-Performing Loans (NPL) 232.178 257.323 350.739 371.727  
  MCL to TLP (%)                        0.28                        0.29                        0.30                        0.30  
  Non-Performing MCL to Total NPL (%)                        0.99                        0.90                        0.68                        0.53  
  Non-Performing MCL to TLP (%)                        0.02                        0.02                        0.02                        0.02  
  Non-Performing MCL to MCL (%)                        7.84                        7.68                        7.75                        6.20  
   
  Credit Card Receivables (CCR) 446.495 412.701 405.676 419.965  
  Performing 422.808 389.062 375.291 382.791  
  Non-Performing 23.687 23.639 30.385 37.175  
  Loan Loss Reserves 24.846 30.812 34.504 43.444  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 10,633.846 10,377.461 10,197.102 10,418.643  
  Total Non-Performing Loans (NPL) 232.178 257.323 350.739 371.727  
  CCR to TLP (%)                        4.20                        3.98                        3.98                        4.03  
  Non-Performing CCR to Total NPL (%)                     10.20                        9.19                        8.66                     10.00  
  Non-Performing CCR to TLP (%)                        0.22                        0.23                        0.30                        0.36  
  Non-Performing CCR to CCR (%)                        5.31                        5.73                        7.49                        8.85  
   
  Salary-Based General-Purpose Consumption Loans (SBGPCL)               160.364               161.816               166.597               169.367  
  Performing               150.683               152.332               154.654               158.197  
  Non-Performing                     9.681                     9.484                  11.943                  11.170  
  Loan Loss Reserves                     4.476                     5.872                     6.975                     7.317  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)        10,633.846        10,377.461        10,197.102        10,418.643  
  Total Non-Performing Loans (NPL)               232.178               257.323               350.739               371.727  
  SBGPCL to TLP (%)                        1.51                        1.56                        1.63                        1.63  
  Non-Performing SBGPCL to Total NPL (%)                        4.17                        3.69                        3.41                        3.01  
  Non-Performing SBGPCL to TLP (%)                        0.09                        0.09                        0.12                        0.11  
  Non-Performing SBGPCL to SBGPCL (%)                        6.04                        5.86                        7.17                        6.60  
   
  Residential Real Estate Loans (RREL) 772.251 799.967 808.553 825.506  
  Performing 745.478 756.225 740.851 749.326  
  Non-Performing 26.773 43.742 67.702 76.180  
  Loan Loss Reserves 10.315 7.934 11.444 14.138  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 10,633.846 10,377.461 10,197.102 10,418.643  
  Total Non-Performing Loans (NPL) 232.178 257.323 350.739 371.727  
  RREL to TLP (%)                        7.26                        7.71                        7.93                        7.92  
  Non-Performing RREL to Total NPL (%)                     11.53                     17.00                     19.30                     20.49  
  Non-Performing RREL to TLP (%)                        0.25                        0.42                        0.66                        0.73  
  Non-Performing RREL to RREL (%)                        3.47                        5.47                        8.37                        9.23  
   
  Other Consumer Loans (OCL) 29.845 31.735 27.969 29.911  
  Performing 27.505 29.321 24.906 26.914  
  Non-Performing 2.340 2.414 3.063 2.998  
  Loan Loss Reserves 1.982 2.066 2.140 3.011  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 10,633.846 10,377.461 10,197.102 10,418.643  
  Total Non-Performing Loans (NPL) 232.178 257.323 350.739 371.727  
  OCL to TLP (%)                        0.28                        0.31                        0.27                        0.29  
  Non-Performing OCL to Total NPL (%)                        1.01                        0.94                        0.87                        0.81  
  Non-Performing OCL to TLP (%)                        0.02                        0.02                        0.03                        0.03  
  Non-Performing OCL to OCL (%)                        7.84                        7.61                     10.95                     10.02  
                     
1/ Universal, Commercial, and Thrift Banks (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 11 May 2020