6			CONSUMER LOANS 1/
Philippine Banking System
as of end of periods indicated
in billion pesos
						Mar-25
	Consumer Loans (CL)					3,182.600
		Performing				3,010.140
		Non-Performing				172.460
		Loan Loss Reserves				102.107
		Total Loan Portfolio (TLP), net of Interbank Loans (IBL)				14,958.016
		Total Non-Performing Loans (NPL)				491.178
		CL to TLP (%)				21.28
		Non-Performing CL to Total NPL (%)				35.11
		Non-Performing CL to TLP (%)				1.15
		Non-Performing CL to CL (%)				5.42
	Motor Vehicle Loans (MVL)					632.977
		Performing				601.745
		Non-Performing				31.232
		Loan Loss Reserves				17.007
		Total Loan Portfolio (TLP), net of Interbank Loans (IBL)				14,958.016
		Total Non-Performing Loans (NPL)				491.178
		MVL to TLP (%)				4.23
		Non-Performing MVL to Total NPL (%)				6.36
		Non-Performing MVL to TLP (%)				0.21
		Non-Performing MVL to MVL (%)				4.93
	Auto Loans (AL)					600.281
		Performing				574.453
		Non-Performing				25.828
		Loan Loss Reserves				13.876
		Total Loan Portfolio (TLP), net of Interbank Loans (IBL)				14,958.016
		Total Non-Performing Loans (NPL)				491.178
		AL to TLP (%)				4.01
		Non-Performing AL to Total NPL (%)				5.26
		Non-Performing AL to TLP (%)				0.17
		Non-Performing AL to AL (%)				4.30
	Motorcycle Loans (MCL)					32.695
		Performing				27.292
		Non-Performing				5.403
		Loan Loss Reserves				3.131
		Total Loan Portfolio (TLP), net of Interbank Loans (IBL)				14,958.016
		Total Non-Performing Loans (NPL)				491.178
		MCL to TLP (%)				0.22
		Non-Performing MCL to Total NPL (%)				1.10
		Non-Performing MCL to TLP (%)				0.04
		Non-Performing MCL to MCL (%)				16.53
	Credit Card Receivables (CCR)					960.660
		Performing				916.480
		Non-Performing				44.179
		Loan Loss Reserves				48.596
		Total Loan Portfolio (TLP), net of Interbank Loans (IBL)				14,958.016
		Total Non-Performing Loans (NPL)				491.178
		CCR to TLP (%)				6.42
		Non-Performing CCR to Total NPL (%)				8.99
		Non-Performing CCR to TLP (%)				0.30
		Non-Performing CCR to CCR (%)				4.60
	Salary-Based General-Purpose Consumption Loans (SBGPCL)					406.959
		Performing				385.677
		Non-Performing				21.282
		Loan Loss Reserves				11.938
		Total Loan Portfolio (TLP), net of Interbank Loans (IBL)				14,958.016
		Total Non-Performing Loans (NPL)				491.178
		SBGPCL to TLP (%)				2.72
		Non-Performing SBGPCL to Total NPL (%)				4.33
		Non-Performing SBGPCL to TLP (%)				0.14
		Non-Performing SBGPCL to SBGPCL (%)				5.23
	Residential Real Estate Loans (RREL)					1,127.539
		Performing				1,055.958
		Non-Performing				71.581
		Loan Loss Reserves				20.972
		Total Loan Portfolio (TLP), net of Interbank Loans (IBL)				14,958.016
		Total Non-Performing Loans (NPL)				491.178
		RREL to TLP (%)				7.54
		Non-Performing RREL to Total NPL (%)				14.57
		Non-Performing RREL to TLP (%)				0.48
		Non-Performing RREL to RREL (%)				6.35
	Other Consumer Loans (OCL)					54.466
		Performing				50.280
		Non-Performing				4.186
		Loan Loss Reserves				3.594
		Total Loan Portfolio (TLP), net of Interbank Loans (IBL)				14,958.016
		Total Non-Performing Loans (NPL)				491.178
		OCL to TLP (%)				0.36
		Non-Performing OCL to Total NPL (%)				0.85
		Non-Performing OCL to TLP (%)				0.03
		Non-Performing OCL to OCL (%)				7.69
	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 June 2025