| |
| |
6 |
CONSUMER
LOANS 1/ |
| |
| |
| Philippine Banking System |
| UKB & TB Bank Proper only |
| as of end of periods indicated |
| in billion pesos |
| |
| |
|
|
|
|
|
|
|
|
|
|
| |
|
|
|
|
|
Mar-24 |
Jun-24 |
Sep-24 |
Dec-24 |
|
| |
|
|
|
|
|
|
|
|
|
|
| |
Consumer Loans (CL) |
2,694.052 |
2,806.717 |
2,916.823 |
3,085.276 |
|
| |
|
Performing |
2,537.931 |
2,643.418 |
2,751.398 |
2,920.373 |
|
| |
|
Non-Performing |
156.121 |
163.299 |
165.426 |
164.903 |
|
| |
|
Loan Loss Reserves |
87.632 |
94.754 |
94.678 |
97.884 |
|
| |
|
Total Loan Portfolio (TLP), net of Interbank
Loans (IBL) |
12,582.264 |
12,903.862 |
13,239.666 |
14,632.848 |
|
| |
|
Total Non-Performing Loans (NPL) |
439.988 |
476.739 |
492.720 |
477.252 |
|
| |
|
CL to TLP (%) |
21.41 |
21.75 |
22.03 |
21.08 |
|
| |
|
Non-Performing CL to Total NPL (%) |
35.48 |
34.25 |
33.57 |
34.55 |
|
| |
|
Non-Performing CL to TLP (%) |
1.24 |
1.27 |
1.25 |
1.13 |
|
| |
|
Non-Performing CL to CL (%) |
5.80 |
5.82 |
5.67 |
5.34 |
|
| |
|
|
|
|
|
|
|
|
|
|
| |
Motor Vehicle Loans (MVL) |
534.324 |
557.429 |
577.679 |
601.523 |
|
| |
|
Performing |
502.321 |
525.541 |
546.737 |
571.706 |
|
| |
|
Non-Performing |
32.003 |
31.888 |
30.942 |
29.817 |
|
| |
|
Loan Loss Reserves |
17.599 |
17.681 |
17.498 |
16.917 |
|
| |
|
Total Loan Portfolio (TLP), net of Interbank
Loans (IBL) |
12,582.264 |
12,903.862 |
13,239.666 |
14,632.848 |
|
| |
|
Total Non-Performing Loans (NPL) |
439.988 |
476.739 |
492.720 |
477.252 |
|
| |
|
MVL to TLP (%) |
4.25 |
4.32 |
4.36 |
4.11 |
|
| |
|
Non-Performing MVL to Total NPL (%) |
7.27 |
6.69 |
6.28 |
6.25 |
|
| |
|
Non-Performing MVL to TLP (%) |
0.25 |
0.25 |
0.23 |
0.20 |
|
| |
|
Non-Performing MVL to MVL (%) |
5.99 |
5.72 |
5.36 |
4.96 |
|
| |
|
|
|
|
|
|
|
|
|
|
| |
Auto Loans (AL) |
502.808 |
526.193 |
546.735 |
569.639 |
|
| |
|
Performing |
475.878 |
499.483 |
521.046 |
545.023 |
|
| |
|
Non-Performing |
26.930 |
26.710 |
25.689 |
24.616 |
|
| |
|
Loan Loss Reserves |
14.611 |
14.540 |
14.239 |
13.966 |
|
| |
|
Total Loan Portfolio (TLP), net of Interbank
Loans (IBL) |
12,582.264 |
12,903.862 |
13,239.666 |
14,632.848 |
|
| |
|
Total Non-Performing Loans (NPL) |
439.988 |
476.739 |
492.720 |
477.252 |
|
| |
|
AL to TLP (%) |
4.00 |
4.08 |
4.13 |
3.89 |
|
| |
|
Non-Performing AL to Total NPL (%) |
6.12 |
5.60 |
5.21 |
5.16 |
|
| |
|
Non-Performing AL to TLP (%) |
0.21 |
0.21 |
0.19 |
0.17 |
|
| |
|
Non-Performing AL to AL (%) |
5.36 |
5.08 |
4.70 |
4.32 |
|
| |
|
|
|
|
|
|
|
|
|
|
| |
Motorcycle Loans (MCL) |
31.516 |
31.235 |
30.944 |
31.884 |
|
| |
|
Performing |
26.443 |
26.058 |
25.691 |
26.683 |
|
| |
|
Non-Performing |
5.073 |
5.177 |
5.252 |
5.201 |
|
| |
|
Loan Loss Reserves |
2.987 |
3.141 |
3.259 |
2.951 |
|
| |
|
Total Loan Portfolio (TLP), net of Interbank
Loans (IBL) |
12,582.264 |
12,903.862 |
13,239.666 |
14,632.848 |
|
| |
|
Total Non-Performing Loans (NPL) |
439.988 |
476.739 |
492.720 |
477.252 |
|
| |
|
MCL to TLP (%) |
0.25 |
0.24 |
0.23 |
0.22 |
|
| |
|
Non-Performing MCL to Total NPL (%) |
1.15 |
1.09 |
1.07 |
1.09 |
|
| |
|
Non-Performing MCL to TLP (%) |
0.04 |
0.04 |
0.04 |
0.04 |
|
| |
|
Non-Performing MCL to MCL (%) |
16.10 |
16.57 |
16.97 |
16.31 |
|
| |
|
|
|
|
|
|
|
|
|
|
| |
Credit Card Receivables (CCR) |
744.801 |
797.181 |
845.387 |
934.653 |
|
| |
|
Performing |
714.016 |
760.819 |
808.639 |
893.838 |
|
| |
|
Non-Performing |
30.785 |
36.362 |
36.748 |
40.816 |
|
| |
|
Loan Loss Reserves |
36.583 |
42.165 |
42.193 |
45.099 |
|
| |
|
Total Loan Portfolio (TLP), net of Interbank
Loans (IBL) |
12,582.264 |
12,903.862 |
13,239.666 |
14,993.099 |
|
| |
|
Total Non-Performing Loans (NPL) |
439.988 |
476.739 |
492.720 |
14,632.848 |
|
| |
|
CCR to TLP (%) |
5.92 |
6.18 |
6.39 |
6.23 |
|
| |
|
Non-Performing CCR to Total NPL (%) |
7.00 |
7.63 |
7.46 |
0.28 |
|
| |
|
Non-Performing CCR to TLP (%) |
0.24 |
0.28 |
0.28 |
0.27 |
|
| |
|
Non-Performing CCR to CCR (%) |
4.13 |
4.56 |
4.35 |
4.37 |
|
| |
|
|
|
|
|
|
|
|
|
|
| |
Salary-Based General-Purpose Consumption Loans
(SBGPCL) |
352.787 |
365.916 |
385.499 |
391.907 |
|
| |
|
Performing |
333.717 |
344.183 |
363.501 |
370.994 |
|
| |
|
Non-Performing |
19.070 |
21.733 |
21.997 |
20.913 |
|
| |
|
Loan Loss Reserves |
9.023 |
10.115 |
10.703 |
11.288 |
|
| |
|
Total Loan Portfolio (TLP), net of Interbank
Loans (IBL) |
12,582.264 |
12,903.862 |
13,239.666 |
14,632.848 |
|
| |
|
Total Non-Performing Loans (NPL) |
439.988 |
476.739 |
492.720 |
477.252 |
|
| |
|
SBGPCL to TLP (%) |
2.80 |
2.84 |
2.91 |
2.68 |
|
| |
|
Non-Performing SBGPCL to Total NPL (%) |
4.33 |
4.56 |
4.46 |
4.38 |
|
| |
|
Non-Performing SBGPCL to TLP (%) |
0.15 |
0.17 |
0.17 |
0.14 |
|
| |
|
Non-Performing SBGPCL to SBGPCL (%) |
5.41 |
5.94 |
5.71 |
5.34 |
|
| |
|
|
|
|
|
|
|
|
|
|
| |
Residential Real Estate Loans (RREL) |
1,017.664 |
1,038.657 |
1,061.789 |
1,099.416 |
|
| |
|
Performing |
947.088 |
968.889 |
989.749 |
1,029.996 |
|
| |
|
Non-Performing |
70.575 |
69.769 |
72.041 |
69.420 |
|
| |
|
Loan Loss Reserves |
21.501 |
21.700 |
21.276 |
21.376 |
|
| |
|
Total Loan Portfolio (TLP), net of Interbank
Loans (IBL) |
12,582.264 |
12,903.862 |
13,239.666 |
14,632.848 |
|
| |
|
Total Non-Performing Loans (NPL) |
439.988 |
476.739 |
492.720 |
477.252 |
|
| |
|
RREL to TLP (%) |
8.09 |
8.05 |
8.02 |
7.51 |
|
| |
|
Non-Performing RREL to Total NPL (%) |
16.04 |
14.63 |
14.62 |
14.55 |
|
| |
|
Non-Performing RREL to TLP (%) |
0.56 |
0.54 |
0.54 |
0.47 |
|
| |
|
Non-Performing RREL to RREL (%) |
6.94 |
6.72 |
6.78 |
6.31 |
|
| |
|
|
|
|
|
|
|
|
|
|
| |
Other Consumer Loans (OCL) |
44.476 |
47.534 |
46.469 |
57.778 |
|
| |
|
Performing |
40.788 |
43.987 |
42.771 |
53.840 |
|
| |
|
Non-Performing |
3.688 |
3.547 |
3.698 |
3.938 |
|
| |
|
Loan Loss Reserves |
2.927 |
3.093 |
3.008 |
3.203 |
|
| |
|
Total Loan Portfolio (TLP), net of Interbank
Loans (IBL) |
12,582.264 |
12,903.862 |
13,239.666 |
14,632.848 |
|
| |
|
Total Non-Performing Loans (NPL) |
439.988 |
476.739 |
492.720 |
477.252 |
|
| |
|
OCL to TLP (%) |
0.35 |
0.37 |
0.35 |
0.39 |
|
| |
|
Non-Performing OCL to Total NPL (%) |
0.84 |
0.74 |
0.75 |
0.83 |
|
| |
|
Non-Performing OCL to TLP (%) |
0.03 |
0.03 |
0.03 |
0.03 |
|
| |
|
Non-Performing OCL to OCL (%) |
8.29 |
7.46 |
7.96 |
6.82 |
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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 March 2025 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|