6 CONSUMER LOANS 1/
 
 
Philippine Banking System 
as of end of periods indicated
in billion pesos
 
   
  Mar-21 Jun-21 Sep-21  
         
  Consumer Loans (CL) 1,955.389 1,940.842 1,923.540  
  Performing 1,764.815 1,749.396 1,733.197  
  Non-Performing 190.575 191.445 190.343  
  Loan Loss Reserves 95.514 95.700 90.245  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 10,194.689 10,298.416 10,427.470  
  Total Non-Performing Loans (NPL) 425.453 460.368 462.909  
  CL to TLP (%)                     19.18                     18.85                     18.45  
  Non-Performing CL to Total NPL (%)                     44.79                     41.59                     41.12  
  Non-Performing CL to TLP (%)                        1.87                        1.86                        1.83  
  Non-Performing CL to CL (%)                        9.75                        9.86                        9.90  
   
  Motor Vehicle Loans (MVL) 528.683 500.739 476.230  
  Performing 464.717 438.655 415.743  
  Non-Performing 63.966 62.084 60.487  
  Loan Loss Reserves 31.068 31.957 30.714  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 10,194.689 10,298.416 10,427.470  
  Total Non-Performing Loans (NPL) 425.453 460.368 462.909  
  MVL to TLP (%)                        5.19                        4.86                        4.57  
  Non-Performing MVL to Total NPL (%)                     15.03                     13.49                     13.07  
  Non-Performing MVL to TLP (%)                        0.63                        0.60                        0.58  
  Non-Performing MVL to MVL (%)                     12.10                     12.40                     12.70  
   
  Auto Loans (AL) 496.558 469.597 444.267  
  Performing 435.676 410.598 387.345  
  Non-Performing 60.882 58.999 56.922  
  Loan Loss Reserves 28.641 29.916 28.386  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 10,194.689 10,298.416 10,427.470  
  Total Non-Performing Loans (NPL) 425.453 460.368 462.909  
  AL to TLP (%)                        4.87                        4.56                        4.26  
  Non-Performing AL to Total NPL (%)                     14.31                     12.82                     12.30  
  Non-Performing AL to TLP (%)                        0.60                        0.57                        0.55  
  Non-Performing AL to AL (%)                     12.26                     12.56                     12.81  
   
  Motorcycle Loans (MCL) 32.125 31.141 31.963  
  Performing 29.041 28.057 28.398  
  Non-Performing 3.084 3.084 3.565  
  Loan Loss Reserves 2.428 2.041 2.328  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 10,194.689 10,298.416 10,427.470  
  Total Non-Performing Loans (NPL) 425.453 460.368 462.909  
  MCL to TLP (%)                        0.32                        0.30                        0.31  
  Non-Performing MCL to Total NPL (%)                        0.72                        0.67                        0.77  
  Non-Performing MCL to TLP (%)                        0.03                        0.03                        0.03  
  Non-Performing MCL to MCL (%)                        9.60                        9.90                     11.15  
   
  Credit Card Receivables (CCR) 400.304 402.341 404.490  
  Performing 366.340 367.960 372.311  
  Non-Performing 33.964 34.381 32.179  
  Loan Loss Reserves 37.141 37.208 33.580  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 10,194.689 10,298.416 10,427.470  
  Total Non-Performing Loans (NPL) 425.453 460.368 462.909  
  CCR to TLP (%)                        3.93                        3.91                        3.88  
  Non-Performing CCR to Total NPL (%)                        7.98                        7.47                        6.95  
  Non-Performing CCR to TLP (%)                        0.33                        0.33                        0.31  
  Non-Performing CCR to CCR (%)                        8.48                        8.55                        7.96  
   
  Salary-Based General-Purpose Consumption Loans (SBGPCL)               167.822               165.852               164.715  
  Performing               156.749               153.742               152.921  
  Non-Performing                  11.073                  12.110                  11.794  
  Loan Loss Reserves                     6.155                     7.072                     7.187  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)        10,194.689        10,298.416        10,427.470  
  Total Non-Performing Loans (NPL)               425.453               460.368               462.909  
  SBGPCL to TLP (%)                        1.65                        1.61                        1.58  
  Non-Performing SBGPCL to Total NPL (%)                        2.60                        2.63                        2.55  
  Non-Performing SBGPCL to TLP (%)                        0.11                        0.12                        0.11  
  Non-Performing SBGPCL to SBGPCL (%)                        6.60                        7.30                        7.16  
   
  Residential Real Estate Loans (RREL) 833.020 846.278 853.730  
  Performing 754.416 766.532 771.930  
  Non-Performing 78.604 79.747 81.801  
  Loan Loss Reserves 18.618 16.914 15.949  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 10,194.689 10,298.416 10,427.470  
  Total Non-Performing Loans (NPL) 425.453 460.368 462.909  
  RREL to TLP (%)                        8.17                        8.22                        8.19  
  Non-Performing RREL to Total NPL (%)                     18.48                     17.32                     17.67  
  Non-Performing RREL to TLP (%)                        0.77                        0.77                        0.78  
  Non-Performing RREL to RREL (%)                        9.44                        9.42                        9.58  
   
  Other Consumer Loans (OCL) 25.560 25.632 24.374  
  Performing 22.592 22.507 20.292  
  Non-Performing 2.968 3.125 4.082  
  Loan Loss Reserves 2.531 2.550 2.815  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 10,194.689 10,298.416 10,427.470  
  Total Non-Performing Loans (NPL) 425.453 460.368 462.909  
  OCL to TLP (%)                        0.25                        0.25                        0.23  
  Non-Performing OCL to Total NPL (%)                        0.70                        0.68                        0.88  
  Non-Performing OCL to TLP (%)                        0.03                        0.03                        0.04  
  Non-Performing OCL to OCL (%)                     11.61                     12.19                     16.75  
                   
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 10 December 2021