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6 |
CONSUMER
LOANS 1/ |
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| Philippine Banking System |
| as of end of periods indicated |
| in billion pesos |
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Mar-23 |
Jun-23 |
Sep-23 |
Dec-23 |
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Consumer Loans (CL) |
2,290.774 |
2,344.770 |
2,502.935 |
2,614.275 |
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Performing |
2,144.307 |
2,198.182 |
2,352.399 |
2,463.521 |
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Non-Performing |
146.467 |
146.588 |
150.536 |
150.754 |
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Loan Loss Reserves |
76.390 |
77.650 |
83.984 |
84.335 |
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Total Loan Portfolio (TLP), net of Interbank
Loans (IBL) |
11,468.869 |
11,702.906 |
11,907.967 |
12,461.507 |
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Total Non-Performing Loans (NPL) |
395.556 |
417.289 |
422.846 |
426.957 |
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CL to TLP (%) |
19.97 |
20.04 |
21.02 |
20.98 |
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Non-Performing CL to Total NPL (%) |
37.03 |
35.13 |
35.60 |
35.31 |
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Non-Performing CL to TLP (%) |
1.28 |
1.25 |
1.26 |
1.21 |
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Non-Performing CL to CL (%) |
6.39 |
6.25 |
6.01 |
5.77 |
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Motor Vehicle Loans (MVL) |
454.340 |
469.796 |
492.535 |
507.675 |
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Performing |
418.498 |
434.513 |
458.243 |
475.762 |
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Non-Performing |
35.841 |
35.283 |
34.293 |
31.913 |
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Loan Loss Reserves |
18.964 |
18.791 |
19.838 |
17.899 |
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Total Loan Portfolio (TLP), net of Interbank
Loans (IBL) |
11,468.869 |
11,702.906 |
11,907.967 |
12,461.507 |
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Total Non-Performing Loans (NPL) |
395.556 |
417.289 |
422.846 |
426.957 |
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MVL to TLP (%) |
3.96 |
4.01 |
4.14 |
4.07 |
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Non-Performing MVL to Total NPL (%) |
9.06 |
8.46 |
8.11 |
7.47 |
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Non-Performing MVL to TLP (%) |
0.31 |
0.30 |
0.29 |
0.26 |
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Non-Performing MVL to MVL (%) |
7.89 |
7.51 |
6.96 |
6.29 |
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Auto Loans (AL) |
420.471 |
437.281 |
460.773 |
476.328 |
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Performing |
389.773 |
407.085 |
431.725 |
449.548 |
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Non-Performing |
30.698 |
30.197 |
29.048 |
26.780 |
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Loan Loss Reserves |
15.757 |
15.690 |
16.650 |
14.931 |
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Total Loan Portfolio (TLP), net of Interbank
Loans (IBL) |
11,468.869 |
11,702.906 |
11,907.967 |
12,461.507 |
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Total Non-Performing Loans (NPL) |
395.556 |
417.289 |
422.846 |
426.957 |
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AL to TLP (%) |
3.67 |
3.74 |
3.87 |
3.82 |
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Non-Performing AL to Total NPL (%) |
7.76 |
7.24 |
6.87 |
6.27 |
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Non-Performing AL to TLP (%) |
0.27 |
0.26 |
0.24 |
0.21 |
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Non-Performing AL to AL (%) |
7.30 |
6.91 |
6.30 |
5.62 |
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Motorcycle Loans (MCL) |
33.869 |
32.515 |
31.762 |
31.347 |
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Performing |
28.726 |
27.428 |
26.518 |
26.214 |
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Non-Performing |
5.143 |
5.086 |
5.244 |
5.133 |
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Loan Loss Reserves |
3.206 |
3.101 |
3.188 |
2.967 |
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Total Loan Portfolio (TLP), net of Interbank
Loans (IBL) |
11,465.309 |
11,702.906 |
11,907.967 |
12,461.507 |
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Total Non-Performing Loans (NPL) |
395.291 |
417.289 |
422.846 |
426.957 |
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MCL to TLP (%) |
0.30 |
0.28 |
0.27 |
0.25 |
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Non-Performing MCL to Total NPL (%) |
1.30 |
1.22 |
1.24 |
1.20 |
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Non-Performing MCL to TLP (%) |
0.04 |
0.04 |
0.04 |
0.04 |
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Non-Performing MCL to MCL (%) |
15.19 |
15.64 |
16.51 |
16.37 |
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Credit Card Receivables (CCR) |
572.945 |
618.703 |
661.971 |
722.561 |
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Performing |
550.897 |
595.280 |
634.859 |
693.910 |
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Non-Performing |
22.048 |
23.423 |
27.112 |
28.650 |
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Loan Loss Reserves |
28.339 |
29.581 |
32.997 |
34.243 |
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Total Loan Portfolio (TLP), net of Interbank
Loans (IBL) |
11,468.869 |
11,702.906 |
11,907.967 |
12,461.507 |
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Total Non-Performing Loans (NPL) |
395.556 |
417.289 |
422.846 |
426.957 |
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CCR to TLP (%) |
5.00 |
5.29 |
5.56 |
5.80 |
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Non-Performing CCR to Total NPL (%) |
5.57 |
5.61 |
6.41 |
6.71 |
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Non-Performing CCR to TLP (%) |
0.19 |
0.20 |
0.23 |
0.23 |
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Non-Performing CCR to CCR (%) |
3.85 |
3.79 |
4.10 |
3.97 |
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Salary-Based General-Purpose Consumption Loans
(SBGPCL) |
285.694 |
303.738 |
325.361 |
333.632 |
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Performing |
271.070 |
288.822 |
309.364 |
316.535 |
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Non-Performing |
14.624 |
14.917 |
15.997 |
17.096 |
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Loan Loss Reserves |
7.235 |
7.602 |
7.744 |
8.339 |
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Total Loan Portfolio (TLP), net of Interbank
Loans (IBL) |
11,468.869 |
11,702.906 |
11,907.967 |
12,461.507 |
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Total Non-Performing Loans (NPL) |
395.556 |
417.289 |
422.846 |
426.957 |
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SBGPCL to TLP (%) |
2.49 |
2.60 |
2.73 |
2.68 |
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Non-Performing SBGPCL to Total NPL (%) |
3.70 |
3.57 |
3.78 |
4.00 |
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Non-Performing SBGPCL to TLP (%) |
0.13 |
0.13 |
0.13 |
0.14 |
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Non-Performing SBGPCL to SBGPCL (%) |
5.12 |
4.91 |
4.92 |
5.12 |
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Residential Real Estate Loans (RREL) |
943.406 |
915.152 |
982.503 |
1,003.466 |
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Performing |
873.002 |
845.438 |
912.752 |
933.882 |
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Non-Performing |
70.404 |
69.714 |
69.751 |
69.585 |
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Loan Loss Reserves |
19.182 |
19.091 |
20.689 |
20.990 |
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Total Loan Portfolio (TLP), net of Interbank
Loans (IBL) |
11,468.869 |
11,702.906 |
11,907.967 |
12,461.507 |
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Total Non-Performing Loans (NPL) |
395.556 |
417.289 |
422.846 |
426.957 |
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RREL to TLP (%) |
8.23 |
7.82 |
8.25 |
8.05 |
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Non-Performing RREL to Total NPL (%) |
17.80 |
16.71 |
16.50 |
16.30 |
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Non-Performing RREL to TLP (%) |
0.61 |
0.60 |
0.59 |
0.56 |
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Non-Performing RREL to RREL (%) |
7.46 |
7.62 |
7.10 |
6.93 |
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Other Consumer Loans (OCL) |
34.389 |
37.381 |
40.564 |
46.941 |
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Performing |
30.839 |
34.129 |
37.182 |
43.432 |
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Non-Performing |
3.550 |
3.252 |
3.383 |
3.510 |
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Loan Loss Reserves |
2.670 |
2.585 |
2.716 |
2.865 |
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Total Loan Portfolio (TLP), net of Interbank
Loans (IBL) |
11,468.869 |
11,702.906 |
11,907.967 |
12,461.507 |
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Total Non-Performing Loans (NPL) |
395.556 |
417.289 |
422.846 |
426.957 |
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OCL to TLP (%) |
0.30 |
0.32 |
0.34 |
0.38 |
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Non-Performing OCL to Total NPL (%) |
0.90 |
0.78 |
0.80 |
0.82 |
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Non-Performing OCL to TLP (%) |
0.03 |
0.03 |
0.03 |
0.03 |
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Non-Performing OCL to OCL (%) |
10.32 |
8.70 |
8.34 |
7.48 |
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1/ Universal, Commercial, and Thrift Banks (Bank Proper) only |
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Note: Details may not add up to totals due to
rounding-off |
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Source : Department of Supervisory Analytics,
Financial Supervision Sector, Bangko Sentral ng Pilipinas |
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Updated as of 7 March 2024 |
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