6 CONSUMER LOANS 1/
 
 
Philippine Banking System 
as of end of periods indicated
in billion pesos
 
   
  Mar-21 Jun-21  
       
  Consumer Loans (CL) 1,955.389 1,940.842  
  Performing 1,764.815 1,749.396  
  Non-Performing 190.575 191.445  
  Loan Loss Reserves 95.514 95.700  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 10,194.689 10,298.416  
  Total Non-Performing Loans (NPL) 425.453 460.368  
  CL to TLP (%)                     19.18                     18.85  
  Non-Performing CL to Total NPL (%)                     44.79                     41.59  
  Non-Performing CL to TLP (%)                        1.87                        1.86  
  Non-Performing CL to CL (%)                        9.75                        9.86  
   
  Motor Vehicle Loans (MVL) 528.683 500.739  
  Performing 464.717 438.655  
  Non-Performing 63.966 62.084  
  Loan Loss Reserves 31.068 31.957  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 10,194.689 10,298.416  
  Total Non-Performing Loans (NPL) 425.453 460.368  
  MVL to TLP (%)                        5.19                        4.86  
  Non-Performing MVL to Total NPL (%)                     15.03                     13.49  
  Non-Performing MVL to TLP (%)                        0.63                        0.60  
  Non-Performing MVL to MVL (%)                     12.10                     12.40  
   
  Auto Loans (AL) 496.558 469.597  
  Performing 435.676 410.598  
  Non-Performing 60.882 58.999  
  Loan Loss Reserves 28.641 29.916  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 10,194.689 10,298.416  
  Total Non-Performing Loans (NPL) 425.453 460.368  
  AL to TLP (%)                        4.87                        4.56  
  Non-Performing AL to Total NPL (%)                     14.31                     12.82  
  Non-Performing AL to TLP (%)                        0.60                        0.57  
  Non-Performing AL to AL (%)                     12.26                     12.56  
   
  Motorcycle Loans (MCL) 32.125 31.141  
  Performing 29.041 28.057  
  Non-Performing 3.084 3.084  
  Loan Loss Reserves 2.428 2.041  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 10,194.689 10,298.416  
  Total Non-Performing Loans (NPL) 425.453 460.368  
  MCL to TLP (%)                        0.32                        0.30  
  Non-Performing MCL to Total NPL (%)                        0.72                        0.67  
  Non-Performing MCL to TLP (%)                        0.03                        0.03  
  Non-Performing MCL to MCL (%)                        9.60                        9.90  
   
  Credit Card Receivables (CCR) 400.304 402.341  
  Performing 366.340 367.960  
  Non-Performing 33.964 34.381  
  Loan Loss Reserves 37.141 37.208  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 10,194.689 10,298.416  
  Total Non-Performing Loans (NPL) 425.453 460.368  
  CCR to TLP (%)                        3.93                        3.91  
  Non-Performing CCR to Total NPL (%)                        7.98                        7.47  
  Non-Performing CCR to TLP (%)                        0.33                        0.33  
  Non-Performing CCR to CCR (%)                        8.48                        8.55  
   
  Salary-Based General-Purpose Consumption Loans (SBGPCL)               167.822               165.852  
  Performing               156.749               153.742  
  Non-Performing                  11.073                  12.110  
  Loan Loss Reserves                     6.155                     7.072  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL)        10,194.689        10,298.416  
  Total Non-Performing Loans (NPL)               425.453               460.368  
  SBGPCL to TLP (%)                        1.65                        1.61  
  Non-Performing SBGPCL to Total NPL (%)                        2.60                        2.63  
  Non-Performing SBGPCL to TLP (%)                        0.11                        0.12  
  Non-Performing SBGPCL to SBGPCL (%)                        6.60                        7.30  
   
  Residential Real Estate Loans (RREL) 833.020 846.278  
  Performing 754.416 766.532  
  Non-Performing 78.604 79.747  
  Loan Loss Reserves 18.618 16.914  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 10,194.689 10,298.416  
  Total Non-Performing Loans (NPL) 425.453 460.368  
  RREL to TLP (%)                        8.17                        8.22  
  Non-Performing RREL to Total NPL (%)                     18.48                     17.32  
  Non-Performing RREL to TLP (%)                        0.77                        0.77  
  Non-Performing RREL to RREL (%)                        9.44                        9.42  
   
  Other Consumer Loans (OCL) 25.560 25.632  
  Performing 22.592 22.507  
  Non-Performing 2.968 3.125  
  Loan Loss Reserves 2.531 2.550  
  Total Loan Portfolio (TLP), net of Interbank Loans (IBL) 10,194.689 10,298.416  
  Total Non-Performing Loans (NPL) 425.453 460.368  
  OCL to TLP (%)                        0.25                        0.25  
  Non-Performing OCL to Total NPL (%)                        0.70                        0.68  
  Non-Performing OCL to TLP (%)                        0.03                        0.03  
  Non-Performing OCL to OCL (%)                     11.61                     12.19  
                 
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 7 September 2021