5 Loans Outstanding for Production and Household Consumption1/
 
 
Philippine Banking System 
as of periods indicated
in billion pesos
 
 
  Jan-16 Feb-16 Mar-16 Apr-16 May-16 Jun-16 Jul-16 Aug-16 Sep-16 Oct-16 Nov-16 Dec-16  
                           
Levels  
  I. Residents  
  A. For Production by Economic Activity2/ 5,077.333 5,113.168 5,145.747 5,200.444 5,302.586 5,378.721 5,371.398 5,443.020 5,534.812 5,628.120 5,760.424 5,967.838  
  Agriculture, Forestry and Fishing 201.831 204.210 202.855 220.098 216.372 216.879 216.759 219.407 220.197 221.238 230.055 236.351  
  Mining and Quarrying 34.250 33.770 32.930 33.341 32.420 32.896 32.843 33.100 32.498 33.324 33.210 32.692  
  Manufacturing 790.993 785.567 759.791 767.900 786.127 800.002 790.624 790.862 814.135 824.121 844.459 868.473  
  Electricity, Gas, Steam and Air-Conditioning Supply 578.467 578.843 591.156 598.815 606.818 624.405 617.539 639.894 658.211 663.140 666.462 668.856  
  Water supply, Sewerage, Waste management and Remediation Activities 60.928 60.951 61.464 56.933 58.559 60.080 58.194 57.066 57.862 59.750 60.638 60.782  
  Construction 148.793 154.158 154.260 156.858 157.512 161.961 162.716 164.442 166.385 172.990 176.967 193.928  
  Wholesale and Retail Trade, Repair of Motor Vehicles, Motorcycles 791.875 803.003 811.544 823.485 839.497 838.102 823.548 838.593 842.410 853.999 882.010 918.838  
  Accommodation and Food Service Activities 112.393 112.850 112.793 114.502 115.579 121.311 121.419 122.425 123.855 124.522 130.103 136.716  
  Transportation and Storage 181.184 183.185 180.469 181.436 179.694 181.566 182.581 184.431 186.379 187.059 190.315 201.354  
  Information and Communication 160.725 160.170 162.017 167.264 183.422 184.988 182.619 189.794 190.831 196.997 212.348 228.320  
  Financial and Insurance Activities 424.264 421.596 451.681 464.285 474.412 484.261 492.517 490.491 483.277 480.988 495.721 531.830  
  Real Estate Activities 1,131.481 1,143.334 1,146.344 1,159.614 1,181.564 1,194.820 1,196.861 1,220.306 1,239.918 1,264.567 1,284.050 1,316.379  
  Professional, Scientific and Technical Activities 44.671 46.694 42.580 43.458 43.159 43.682 45.825 43.562 44.325 52.815 53.665 57.724  
  Administrative and Support Service Activities 33.645 39.981 41.626 34.313 38.984 38.841 40.486 42.377 44.487 43.349 49.593 52.061  
  Public Administration and Defense; Compulsory Social Security 112.305 112.349 114.358 99.819 100.662 101.467 101.822 102.197 102.807 103.007 103.073 103.665  
  Education 37.147 37.468 38.272 37.970 38.652 39.377 39.552 39.513 39.876 41.090 40.522 40.136  
  Human Health and Social Work Activities 44.330 45.273 45.974 47.210 48.091 48.793 49.785 50.544 53.584 53.575 54.703 55.717  
  Arts, Entertainment and Recreation 31.685 31.590 32.059 32.378 39.250 41.615 49.313 49.054 66.848 68.937 69.820 69.581  
  Other Service Activities 85.675 87.355 92.157 88.788 88.745 88.893 87.851 82.331 82.102 94.102 98.372 108.214  
  Activities of Households as Employers and Undifferentiated Goods-and-Services-Producing Activities of Households for Own Use 70.691 70.819 71.419 71.977 73.066 74.782 78.545 82.632 84.825 88.548 84.340 86.222  
  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 645.016 648.379 661.363 674.194 686.205 700.939 713.050 722.911 735.836 747.552 770.787 780.806  
  Credit Cards 177.934 176.015 174.863 176.396 178.581 179.444 179.563 181.519 183.123 187.034 194.347 197.668  
  Motor Vehicle Loans3/ 312.426 316.657 324.220 331.622 339.062 347.911 356.418 360.382 365.566 369.451 383.942 389.721  
  Auto Loans4/ 301.532 305.676 313.085 320.717 328.197 337.350 345.819 349.396 353.797 357.693 371.814 377.392  
  Motorcycle Loans4/ 10.892 10.980 11.135 10.905 10.865 10.561 10.598 10.986 11.770 11.759 12.128 12.329  
  Salary-Based General-Purpose Consumption Loans5/ 122.750 124.023 135.036 136.533 137.954 145.593 149.182 153.651 159.689 162.593 163.921 164.237  
  Others 31.906 31.684 27.243 29.643 30.608 27.991 27.888 27.359 27.458 28.474 28.577 29.181  
   
  C. Under BSP Reverse Repurchase (RRP) Agreements 310.951 311.677 308.832 307.883 307.806 300.049 303.433 299.365 299.974 299.770 299.616 302.422  
   
  Total Outstanding Loans to Residents  
  Gross of BSP RRP Agreements 6,033.300 6,073.224 6,115.942 6,182.522 6,296.597 6,379.709 6,387.881 6,465.296 6,570.622 6,675.442 6,830.827 7,051.066  
  Net of BSP RRP Agreements 5,722.349 5,761.547 5,807.110 5,874.639 5,988.791 6,079.660 6,084.448 6,165.931 6,270.649 6,375.672 6,531.212 6,748.645  
   
  II. Non-Residents 145.450 141.161 143.241 151.291 147.928 151.071 164.149 158.311 164.811 165.344 171.584 166.664  
   
  III. Total Loans Outstanding to Residents and Non-Residents  
  Gross of BSP RRP Agreements 6,178.750 6,214.385 6,259.183 6,333.813 6,444.525 6,530.780 6,552.030 6,623.607 6,735.434 6,840.787 7,002.412 7,217.730  
  Net of BSP RRP Agreements 5,867.799 5,902.708 5,950.351 6,025.930 6,136.719 6,230.731 6,248.597 6,324.243 6,435.460 6,541.017 6,702.796 6,915.309  
   
  Memo Items:  
  a. Loans of domestic banks' foreign offices 28.643 27.898 27.120 28.061 28.030 27.465 27.542 25.463 27.323 31.369 33.476 36.713  
  b. Interbank Loans (inclusive of Loans to BSP) 217.852 183.968 197.178 200.083 190.686 206.396 184.845 205.926 216.805 232.929 289.018 266.533  
  c. Loans and Receivables Arising from Repurchase Agreements, Certificate of Assignment/Participation with Recourse, Securities Lending and Borrowing Transactions6/ 30.509 25.262 27.252 21.824 29.624 33.592 30.173 31.512 38.638 80.617 75.591 91.143  
   
  Total Loans Outstanding (inclusive of memo items)7/ 6,455.754 6,451.513 6,510.732 6,583.781 6,692.865 6,798.233 6,794.589 6,886.508 7,018.200 7,185.702 7,400.497 7,612.119  
   
Percentage Distribution8/  
  I. Residents  
  A. For Production by Economic Activity2/ 82.17% 82.28% 82.21% 82.11% 82.28% 82.36% 81.98% 82.18% 82.17% 82.27% 82.26% 82.68%  
  Agriculture, Forestry and Fishing 3.27% 3.29% 3.24% 3.47% 3.36% 3.32% 3.31% 3.31% 3.27% 3.23% 3.29% 3.27%  
  Mining and Quarrying 0.55% 0.54% 0.53% 0.53% 0.50% 0.50% 0.50% 0.50% 0.48% 0.49% 0.47% 0.45%  
  Manufacturing 12.80% 12.64% 12.14% 12.12% 12.20% 12.25% 12.07% 11.94% 12.09% 12.05% 12.06% 12.03%  
  Electricity, Gas, Steam and Air-Conditioning Supply 9.36% 9.31% 9.44% 9.45% 9.42% 9.56% 9.43% 9.66% 9.77% 9.69% 9.52% 9.27%  
  Water supply, Sewerage, Waste management and Remediation Activities 0.99% 0.98% 0.98% 0.90% 0.91% 0.92% 0.89% 0.86% 0.86% 0.87% 0.87% 0.84%  
  Construction 2.41% 2.48% 2.46% 2.48% 2.44% 2.48% 2.48% 2.48% 2.47% 2.53% 2.53% 2.69%  
  Wholesale and Retail Trade, Repair of Motor Vehicles, Motorcycles 12.82% 12.92% 12.97% 13.00% 13.03% 12.83% 12.57% 12.66% 12.51% 12.48% 12.60% 12.73%  
  Accommodation and Food Service Activities 1.82% 1.82% 1.80% 1.81% 1.79% 1.86% 1.85% 1.85% 1.84% 1.82% 1.86% 1.89%  
  Transportation and Storage 2.93% 2.95% 2.88% 2.86% 2.79% 2.78% 2.79% 2.78% 2.77% 2.73% 2.72% 2.79%  
  Information and Communication 2.60% 2.58% 2.59% 2.64% 2.85% 2.83% 2.79% 2.87% 2.83% 2.88% 3.03% 3.16%  
  Financial and Insurance Activities 6.87% 6.78% 7.22% 7.33% 7.36% 7.42% 7.52% 7.41% 7.18% 7.03% 7.08% 7.37%  
  Real Estate Activities 18.31% 18.40% 18.31% 18.31% 18.33% 18.30% 18.27% 18.42% 18.41% 18.49% 18.34% 18.24%  
  Professional, Scientific and Technical Activities 0.72% 0.75% 0.68% 0.69% 0.67% 0.67% 0.70% 0.66% 0.66% 0.77% 0.77% 0.80%  
  Administrative and Support Service Activities 0.54% 0.64% 0.67% 0.54% 0.60% 0.59% 0.62% 0.64% 0.66% 0.63% 0.71% 0.72%  
  Public Administration and Defense; Compulsory Social Security 1.82% 1.81% 1.83% 1.58% 1.56% 1.55% 1.55% 1.54% 1.53% 1.51% 1.47% 1.44%  
  Education 0.60% 0.60% 0.61% 0.60% 0.60% 0.60% 0.60% 0.60% 0.59% 0.60% 0.58% 0.56%  
  Human Health and Social Work Activities 0.72% 0.73% 0.73% 0.75% 0.75% 0.75% 0.76% 0.76% 0.80% 0.78% 0.78% 0.77%  
  Arts, Entertainment and Recreation 0.51% 0.51% 0.51% 0.51% 0.61% 0.64% 0.75% 0.74% 0.99% 1.01% 1.00% 0.96%  
  Other Service Activities 1.39% 1.41% 1.47% 1.40% 1.38% 1.36% 1.34% 1.24% 1.22% 1.38% 1.40% 1.50%  
  Activities of Households as Employers and Undifferentiated Goods-and-Services-Producing Activities of Households for Own Use 1.14% 1.14% 1.14% 1.14% 1.13% 1.15% 1.20% 1.25% 1.26% 1.29% 1.20% 1.19%  
  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 10.44% 10.43% 10.57% 10.64% 10.65% 10.73% 10.88% 10.91% 10.92% 10.93% 11.01% 10.82%  
  Credit Cards 2.88% 2.83% 2.79% 2.78% 2.77% 2.75% 2.74% 2.74% 2.72% 2.73% 2.78% 2.74%  
  Motor Vehicle Loans3/ 5.06% 5.10% 5.18% 5.24% 5.26% 5.33% 5.44% 5.44% 5.43% 5.40% 5.48% 5.40%  
  Auto Loans4/ 4.88% 4.92% 5.00% 5.06% 5.09% 5.17% 5.28% 5.28% 5.25% 5.23% 5.31% 5.23%  
  Motorcycle Loans4/ 0.18% 0.18% 0.18% 0.17% 0.17% 0.16% 0.16% 0.17% 0.17% 0.17% 0.17% 0.17%  
  Salary-Based General-Purpose Consumption Loans5/ 1.99% 2.00% 2.16% 2.16% 2.14% 2.23% 2.28% 2.32% 2.37% 2.38% 2.34% 2.28%  
  Others 0.52% 0.51% 0.44% 0.47% 0.47% 0.43% 0.43% 0.41% 0.41% 0.42% 0.41% 0.40%  
   
  C. Under BSP Reverse Repurchase (RRP) Agreements 5.03% 5.02% 4.93% 4.86% 4.78% 4.59% 4.63% 4.52% 4.45% 4.38% 4.28% 4.19%  
   
  Total Outstanding Loans to Residents  
  Gross of BSP RRP Agreements 97.65% 97.73% 97.71% 97.61% 97.70% 97.69% 97.49% 97.61% 97.55% 97.58% 97.55% 97.69%  
  Net of BSP RRP Agreements 92.61% 92.71% 92.78% 92.75% 92.93% 93.09% 92.86% 93.09% 93.10% 93.20% 93.27% 93.50%  
   
  II. Non-Residents 2.35% 2.27% 2.29% 2.39% 2.30% 2.31% 2.51% 2.39% 2.45% 2.42% 2.45% 2.31%  
   
  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)
p/Preliminary
Note: Details may not add up to totals due to rounding-off
Source : Supervisory Data Center, Supervision and Examination Sector
Updated as of 31 March 2017