41 Loans Outstanding for Production and Household Consumption1/
 
 
Thrift Banking System 
as of periods indicated
in billion pesos
 
 
  Jan-15 Feb-15 Mar-15 Apr-15 May-15 Jun-15 Jul-15 Aug-15 Sep-15 Oct-15 Nov-15 Dec-15r/  
                           
Levels  
  I. Residents  
  A. For Production by Economic Activity2/ 398.458 397.831 397.531 397.738 399.832 422.920 427.260 427.560 422.060 429.763 431.416 441.289  
  Agriculture, Forestry and Fishing 36.757 32.624 31.347 30.133 28.770 29.695 28.842 27.586 26.676 25.766 25.370 24.733  
  Mining and Quarrying 0.750 0.858 0.783 0.868 0.774 0.830 0.809 0.950 0.931 0.983 0.893 0.890  
  Manufacturing 22.005 22.029 21.951 21.574 21.603 22.025 21.640 21.769 21.678 21.990 21.871 21.983  
  Electricity, Gas, Steam and Air-Conditioning Supply 0.674 0.878 1.083 0.921 0.895 1.648 1.594 1.626 2.328 2.262 2.475 2.377  
  Water supply, Sewerage, Waste management and Remediation Activities 0.338 0.366 0.364 0.372 0.391 0.428 0.401 0.423 0.514 0.387 0.466 0.469  
  Construction 8.535 8.632 8.860 8.186 8.391 8.677 8.080 8.349 8.844 9.254 9.292 10.014  
  Wholesale and Retail Trade, Repair of Motor Vehicles, Motorcycles 50.409 48.732 49.997 50.839 51.494 54.767 55.276 54.630 56.649 56.666 57.996 62.117  
  Accommodation and Food Service Activities 5.656 5.769 5.536 5.566 5.511 5.718 5.849 5.752 5.598 5.718 5.946 6.475  
  Transportation and Storage 7.217 7.479 7.170 7.191 7.282 8.505 8.564 9.099 10.765 12.056 12.158 12.503  
  Information and Communication 3.162 3.148 3.146 3.166 3.165 3.170 3.094 3.138 3.503 3.123 2.995 2.972  
  Financial and Insurance Activities 13.722 13.641 13.798 13.896 13.843 12.650 12.246 12.559 13.225 13.232 12.522 13.564  
  Real Estate Activities 202.317 205.373 203.696 206.545 208.932 215.497 217.352 218.755 218.416 224.642 225.753 227.851  
  Professional, Scientific and Technical Activities 4.844 4.842 5.359 5.416 5.407 5.073 4.932 4.519 4.974 5.024 4.999 5.259  
  Administrative and Support Service Activities 1.578 1.651 1.653 1.693 1.876 1.933 1.852 1.861 2.300 2.258 2.400 2.614  
  Public Administration and Defense; Compulsory Social Security 0.563 0.570 0.570 0.570 0.534 0.529 0.531 0.528 0.523 0.519 0.514 0.509  
  Education 4.298 4.362 4.353 4.226 4.241 4.308 3.917 3.920 4.042 3.996 3.975 4.035  
  Human Health and Social Work Activities 2.904 2.981 3.100 3.182 3.125 3.373 3.376 3.225 3.314 3.350 3.456 3.588  
  Arts, Entertainment and Recreation 0.375 0.606 0.500 0.498 0.857 0.715 0.804 0.639 0.584 0.559 0.419 0.398  
  Other Service Activities 29.354 29.846 31.386 29.664 28.991 31.203 31.136 30.015 26.527 26.543 26.171 26.741  
  Activities of Households as Employers and Undifferentiated Goods-and-Services-Producing Activities of Households for Own Use 3.000 3.442 2.879 3.231 3.747 12.178 16.962 18.216 10.669 11.433 11.745 12.196  
  Activities of Extra-Territorial Organizations and Bodies 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000  
   
  B. For Household Consumption 167.327 174.251 178.760 184.150 189.314 193.087 197.692 203.919 214.802 221.763 224.985 228.319  
  Credit Cards 0.599 0.620 0.623 0.637 0.653 0.672 0.683 0.702 0.670 0.741 0.753 0.755  
  Motor Vehicle Loans3/ 117.363 119.711 120.794 123.235 125.809 128.408 130.849 134.730 143.077 148.195 150.927 152.556  
  Auto Loans4/ - - - - - - - - 133.435 138.790 141.658 143.208  
  Motorcycle Loans4/ - - - - - - - - 9.643 9.405 9.269 9.264  
  Salary-Based General-Purpose Consumption Loans5/ 32.369 37.479 43.657 46.411 48.430 49.592 51.577 53.791 58.773 60.265 60.777 62.516  
  Others 16.997 16.442 13.686 13.867 14.423 14.415 14.582 14.696 12.281 12.562 12.528 12.492  
   
  C. Under BSP Reverse Repurchase (RRP) Agreements 33.304 24.854 19.568 20.702 11.485 17.387 10.920 14.850 28.214 15.390 21.502 17.640  
   
  Total Outstanding Loans to Residents  
  Gross of BSP RRP Agreements 599.090 596.936 595.860 602.590 600.631 633.394 635.872 646.329 665.076 666.915 677.903 687.248  
  Net of BSP RRP Agreements 565.786 572.082 576.292 581.888 589.146 616.007 624.952 631.479 636.862 651.525 656.401 669.608  
   
  II. Non-Residents 0.014 0.013 0.012 0.012 0.011 0.018 0.018 0.024 0.024 0.024 0.024 0.023  
   
  III. Total Loans Outstanding to Residents and Non-Residents  
  Gross of BSP RRP Agreements 599.103 596.949 595.872 602.602 600.642 633.413 635.890 646.354 665.100 666.939 677.926 687.272  
  Net of BSP RRP Agreements 565.799 572.095 576.304 581.900 589.157 616.026 624.970 631.504 636.886 651.549 656.424 669.632  
   
  Memo Items:  
  a. Loans of domestic banks' foreign offices  
  b. Interbank Loans (inclusive of Loans to BSP) 5.316 7.811 5.110 5.891 5.562 4.741 5.872 4.888 3.357 4.728 3.479 1.620  
  c. Loans and Receivables Arising from Repurchase Agreements, Certificate of Assignment/Participation with Recourse, Securities Lending and Borrowing Transactions6/ 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000  
   
  Total Loans Outstanding (inclusive of memo items)7/ 604.419 604.760 600.981 608.493 606.204 638.154 641.763 651.242 668.457 671.667 681.405 688.892  
   
Percentage Distribution8/  
  I. Residents  
  A. For Production by Economic Activity2/ 66.51% 66.64% 66.71% 66.00% 66.57% 66.77% 67.19% 66.15% 63.46% 64.44% 63.64% 64.21%  
  Agriculture, Forestry and Fishing 6.14% 5.47% 5.26% 5.00% 4.79% 4.69% 4.54% 4.27% 4.01% 3.86% 3.74% 3.60%  
  Mining and Quarrying 0.13% 0.14% 0.13% 0.14% 0.13% 0.13% 0.13% 0.15% 0.14% 0.15% 0.13% 0.13%  
  Manufacturing 3.67% 3.69% 3.68% 3.58% 3.60% 3.48% 3.40% 3.37% 3.26% 3.30% 3.23% 3.20%  
  Electricity, Gas, Steam and Air-Conditioning Supply 0.11% 0.15% 0.18% 0.15% 0.15% 0.26% 0.25% 0.25% 0.35% 0.34% 0.37% 0.35%  
  Water supply, Sewerage, Waste management and Remediation Activities 0.06% 0.06% 0.06% 0.06% 0.07% 0.07% 0.06% 0.07% 0.08% 0.06% 0.07% 0.07%  
  Construction 1.42% 1.45% 1.49% 1.36% 1.40% 1.37% 1.27% 1.29% 1.33% 1.39% 1.37% 1.46%  
  Wholesale and Retail Trade, Repair of Motor Vehicles, Motorcycles 8.41% 8.16% 8.39% 8.44% 8.57% 8.65% 8.69% 8.45% 8.52% 8.50% 8.55% 9.04%  
  Accommodation and Food Service Activities 0.94% 0.97% 0.93% 0.92% 0.92% 0.90% 0.92% 0.89% 0.84% 0.86% 0.88% 0.94%  
  Transportation and Storage 1.20% 1.25% 1.20% 1.19% 1.21% 1.34% 1.35% 1.41% 1.62% 1.81% 1.79% 1.82%  
  Information and Communication 0.53% 0.53% 0.53% 0.53% 0.53% 0.50% 0.49% 0.49% 0.53% 0.47% 0.44% 0.43%  
  Financial and Insurance Activities 2.29% 2.29% 2.32% 2.31% 2.30% 2.00% 1.93% 1.94% 1.99% 1.98% 1.85% 1.97%  
  Real Estate Activities 33.77% 34.40% 34.18% 34.28% 34.78% 34.02% 34.18% 33.84% 32.84% 33.68% 33.30% 33.15%  
  Professional, Scientific and Technical Activities 0.81% 0.81% 0.90% 0.90% 0.90% 0.80% 0.78% 0.70% 0.75% 0.75% 0.74% 0.77%  
  Administrative and Support Service Activities 0.26% 0.28% 0.28% 0.28% 0.31% 0.31% 0.29% 0.29% 0.35% 0.34% 0.35% 0.38%  
  Public Administration and Defense; Compulsory Social Security 0.09% 0.10% 0.10% 0.09% 0.09% 0.08% 0.08% 0.08% 0.08% 0.08% 0.08% 0.07%  
  Education 0.72% 0.73% 0.73% 0.70% 0.71% 0.68% 0.62% 0.61% 0.61% 0.60% 0.59% 0.59%  
  Human Health and Social Work Activities 0.48% 0.50% 0.52% 0.53% 0.52% 0.53% 0.53% 0.50% 0.50% 0.50% 0.51% 0.52%  
  Arts, Entertainment and Recreation 0.06% 0.10% 0.08% 0.08% 0.14% 0.11% 0.13% 0.10% 0.09% 0.08% 0.06% 0.06%  
  Other Service Activities 4.90% 5.00% 5.27% 4.92% 4.83% 4.93% 4.90% 4.64% 3.99% 3.98% 3.86% 3.89%  
  Activities of Households as Employers and Undifferentiated Goods-and-Services-Producing Activities of Households for Own Use 0.50% 0.58% 0.48% 0.54% 0.62% 1.92% 2.67% 2.82% 1.60% 1.71% 1.73% 1.77%  
  Activities of Extra-Territorial Organizations and Bodies 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%  
   
  B. For Household Consumption 27.93% 29.19% 30.00% 30.56% 31.52% 30.48% 31.09% 31.55% 32.30% 33.25% 33.19% 33.22%  
  Credit Cards 0.10% 0.10% 0.10% 0.11% 0.11% 0.11% 0.11% 0.11% 0.10% 0.11% 0.11% 0.11%  
  Motor Vehicle Loans3/ 19.59% 20.05% 20.27% 20.45% 20.95% 20.27% 20.58% 20.84% 21.51% 22.22% 22.26% 22.20%  
  Auto Loans4/ - - - - - - - - 20.06% 20.81% 20.90% 20.84%  
  Motorcycle Loans4/ - - - - - - - - 1.45% 1.41% 1.37% 1.35%  
  Salary-Based General-Purpose Consumption Loans5/ 5.40% 6.28% 7.33% 7.70% 8.06% 7.83% 8.11% 8.32% 8.84% 9.04% 8.97% 9.10%  
  Others 2.84% 2.75% 2.30% 2.30% 2.40% 2.28% 2.29% 2.27% 1.85% 1.88% 1.85% 1.82%  
   
  C. Under BSP Reverse Repurchase (RRP) Agreements 5.56% 4.16% 3.28% 3.44% 1.91% 2.74% 1.72% 2.30% 4.24% 2.31% 3.17% 2.57%  
   
  Total Outstanding Loans to Residents  
  Gross of BSP RRP Agreements 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%  
  Net of BSP RRP Agreements 94.44% 95.83% 96.71% 96.56% 98.09% 97.25% 98.28% 97.70% 95.75% 97.69% 96.82% 97.43%  
   
  II. Non-Residents 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%  
   
  III. Total Loans Outstanding to Residents and Non-Residents  
  Gross of BSP RRP Agreements 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%  
                                     
                                     
1/ net of amortization
2/ per 2009 Philippine Standard Industrial Classification (PSIC) (effective Jun-2014)
3/ renamed effective Sep-2015 (formerly Auto Loans)
4/ effective Sep-2015
5/ renamed effective Sep-2015 (formerly Salary Loans)
6/ excludes BSP RRP Agreements
7/ sum of Total Loans Outstanding to Residents and Non-Residents (Gross of BSP RRP Agreement) and all Memo Items
8/ as to Total Loans Outstanding to Residents and Non-Residents (Gross of BSP RRP Agreements)
Note: Details may not add up to totals due to rounding-off
Source : Supervisory Data Center, Supervision and Examination Sector
Updated as of 19 February 2016