41 Loans Outstanding for Production and Household Consumption1/
 
 
Thrift Banking System 
as of periods indicated
in billion pesos
 
 
  Jan-18 Feb-18 Mar-18 Apr-18 May-18 Jun-18 Jul-18 Aug-18 Sep-18 Oct-18 Nov-18 Dec-18  
                           
Levels  
  I. Residents  
  A. For Production by Economic Activity2/ 511.503 512.080 519.379 522.041 525.798 532.126 533.439 535.496 538.609 540.620 539.961 545.286  
  Agriculture, Forestry and Fishing 18.660 18.552 18.312 17.867 17.633 18.495 18.389 18.334 18.914 18.562 18.686 18.709  
  Mining and Quarrying 0.738 0.794 0.757 0.756 0.732 0.718 0.726 0.761 0.945 0.956 0.944 0.917  
  Manufacturing 23.764 23.705 23.586 23.561 23.631 22.803 22.043 23.007 23.084 22.948 23.184 23.325  
  Electricity, Gas, Steam and Air-Conditioning Supply 10.383 10.998 10.924 11.014 10.326 11.260 11.325 11.254 11.303 11.248 11.199 11.433  
  Water supply, Sewerage, Waste management and Remediation Activities 0.788 0.801 0.801 0.833 0.787 0.723 0.735 0.756 0.795 0.782 0.773 0.973  
  Construction 10.959 11.499 11.770 11.767 11.793 12.511 12.508 12.187 12.318 12.340 12.345 11.337  
  Wholesale and Retail Trade, Repair of Motor Vehicles, Motorcycles 70.418 70.363 71.953 72.383 73.802 74.822 75.243 75.318 74.220 76.379 76.030 76.916  
  Accommodation and Food Service Activities 7.607 7.357 7.380 7.432 7.638 7.930 7.825 7.703 7.149 7.387 7.378 7.428  
  Transportation and Storage 15.607 15.360 15.974 16.285 15.785 16.770 17.158 17.533 17.739 17.884 18.084 18.019  
  Information and Communication 4.243 4.527 4.569 4.585 4.507 4.481 4.434 4.400 4.748 4.786 4.782 4.676  
  Financial and Insurance Activities 15.975 15.711 14.021 14.301 14.083 15.412 15.117 14.749 14.661 14.799 14.827 13.801  
  Real Estate Activities 267.927 267.877 274.463 274.644 274.907 279.660 282.157 282.855 286.648 286.709 286.113 291.353  
  Professional, Scientific and Technical Activities 5.137 5.113 4.994 6.163 6.123 5.959 5.562 5.199 5.239 5.064 5.026 5.175  
  Administrative and Support Service Activities 3.691 3.599 3.628 3.811 3.864 3.930 3.880 3.926 4.033 4.076 4.164 4.262  
  Public Administration and Defense; Compulsory Social Security 0.358 0.354 0.350 0.345 0.340 0.334 0.334 0.330 0.334 0.328 0.318 0.315  
  Education 4.007 4.022 4.038 3.989 3.860 3.891 3.888 3.862 3.926 4.028 4.075 3.968  
  Human Health and Social Work Activities 3.965 3.999 4.048 4.106 4.342 4.402 4.325 4.317 4.426 4.435 4.449 4.520  
  Arts, Entertainment and Recreation 0.625 0.633 0.734 0.726 1.758 1.738 1.753 1.738 1.724 1.721 1.692 1.742  
  Other Service Activities 22.610 22.836 23.149 23.838 26.591 23.599 23.631 24.944 23.984 23.745 23.787 24.214  
  Activities of Households as Employers and Undifferentiated Goods-and-Services-Producing Activities of Households for Own Use 24.041 23.979 23.928 23.636 23.295 22.688 22.407 22.322 22.421 22.442 22.105 22.205  
  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 315.371 316.881 320.075 319.377 319.049 318.418 321.140 322.834 324.538 326.132 326.549 327.621  
  Credit Cards 1.336 1.360 1.365 1.409 1.386 1.458 1.439 1.439 1.522 1.539 1.582 1.655  
  Motor Vehicle Loans3/ 223.703 225.949 226.830 226.905 227.558 226.766 227.667 227.930 229.059 230.403 231.726 233.178  
  Auto Loans4/ 208.103 209.872 210.233 210.024 210.668 210.945 211.592 211.509 212.379 213.297 214.140 215.058  
  Motorcycle Loans4/ 15.600 16.078 16.597 16.881 16.890 15.821 16.075 16.421 16.680 17.106 17.585 18.120  
  Salary-Based General-Purpose Consumption Loans5/ 78.454 77.843 78.553 77.716 76.815 77.372 79.328 80.827 81.300 81.512 80.534 79.813  
  Others 11.877 11.729 13.327 13.347 13.289 12.821 12.707 12.638 12.657 12.679 12.707 12.975  
   
  C. Under BSP Reverse Repurchase (RRP) Agreements 27.334 43.049 24.928 34.136 28.031 31.687 45.873 30.273 42.607 30.142 46.657 43.082  
   
  Total Outstanding Loans to Residents  
  Gross of BSP RRP Agreements 854.209 872.011 864.382 875.554 872.878 882.230 900.452 888.603 905.754 896.894 913.167 915.989  
  Net of BSP RRP Agreements 826.874 828.962 839.454 841.418 844.847 850.543 854.580 858.330 863.147 866.752 866.510 872.907  
   
  II. Non-Residents 0.043 0.031 0.030 0.030 0.030 0.030 0.034 0.034 0.034 0.034 0.033 0.033  
   
  III. Total Loans Outstanding to Residents and Non-Residents  
  Gross of BSP RRP Agreements 854.252 872.041 864.413 875.584 872.908 882.260 900.487 888.638 905.788 896.928 913.201 916.023  
  Net of BSP RRP Agreements 826.918 828.992 839.484 841.448 844.877 850.573 854.614 858.364 863.181 866.786 866.544 872.940  
   
  Memo Items:  
  a. Loans of domestic banks' foreign offices  
  b. Interbank Loans (inclusive of Loans to BSP) 5.892 2.189 1.071 3.233 6.507 3.125 1.494 4.943 1.296 3.289 0.777 0.851  
  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/ 860.144 874.230 865.484 878.817 879.415 885.385 901.980 893.580 907.083 900.217 913.977 916.874  
   
Percentage Distribution8/  
  I. Residents  
  A. For Production by Economic Activity2/ 59.88% 58.72% 60.08% 59.62% 60.24% 60.31% 59.24% 60.26% 59.46% 60.27% 59.13% 59.53%  
  Agriculture, Forestry and Fishing 2.18% 2.13% 2.12% 2.04% 2.02% 2.10% 2.04% 2.06% 2.09% 2.07% 2.05% 2.04%  
  Mining and Quarrying 0.09% 0.09% 0.09% 0.09% 0.08% 0.08% 0.08% 0.09% 0.10% 0.11% 0.10% 0.10%  
  Manufacturing 2.78% 2.72% 2.73% 2.69% 2.71% 2.58% 2.45% 2.59% 2.55% 2.56% 2.54% 2.55%  
  Electricity, Gas, Steam and Air-Conditioning Supply 1.22% 1.26% 1.26% 1.26% 1.18% 1.28% 1.26% 1.27% 1.25% 1.25% 1.23% 1.25%  
  Water supply, Sewerage, Waste management and Remediation Activities 0.09% 0.09% 0.09% 0.10% 0.09% 0.08% 0.08% 0.09% 0.09% 0.09% 0.08% 0.11%  
  Construction 1.28% 1.32% 1.36% 1.34% 1.35% 1.42% 1.39% 1.37% 1.36% 1.38% 1.35% 1.24%  
  Wholesale and Retail Trade, Repair of Motor Vehicles, Motorcycles 8.24% 8.07% 8.32% 8.27% 8.45% 8.48% 8.36% 8.48% 8.19% 8.52% 8.33% 8.40%  
  Accommodation and Food Service Activities 0.89% 0.84% 0.85% 0.85% 0.87% 0.90% 0.87% 0.87% 0.79% 0.82% 0.81% 0.81%  
  Transportation and Storage 1.83% 1.76% 1.85% 1.86% 1.81% 1.90% 1.91% 1.97% 1.96% 1.99% 1.98% 1.97%  
  Information and Communication 0.50% 0.52% 0.53% 0.52% 0.52% 0.51% 0.49% 0.50% 0.52% 0.53% 0.52% 0.51%  
  Financial and Insurance Activities 1.87% 1.80% 1.62% 1.63% 1.61% 1.75% 1.68% 1.66% 1.62% 1.65% 1.62% 1.51%  
  Real Estate Activities 31.36% 30.72% 31.75% 31.37% 31.49% 31.70% 31.33% 31.83% 31.65% 31.97% 31.33% 31.81%  
  Professional, Scientific and Technical Activities 0.60% 0.59% 0.58% 0.70% 0.70% 0.68% 0.62% 0.59% 0.58% 0.56% 0.55% 0.56%  
  Administrative and Support Service Activities 0.43% 0.41% 0.42% 0.44% 0.44% 0.45% 0.43% 0.44% 0.45% 0.45% 0.46% 0.47%  
  Public Administration and Defense; Compulsory Social Security 0.04% 0.04% 0.04% 0.04% 0.04% 0.04% 0.04% 0.04% 0.04% 0.04% 0.03% 0.03%  
  Education 0.47% 0.46% 0.47% 0.46% 0.44% 0.44% 0.43% 0.43% 0.43% 0.45% 0.45% 0.43%  
  Human Health and Social Work Activities 0.46% 0.46% 0.47% 0.47% 0.50% 0.50% 0.48% 0.49% 0.49% 0.49% 0.49% 0.49%  
  Arts, Entertainment and Recreation 0.07% 0.07% 0.08% 0.08% 0.20% 0.20% 0.19% 0.20% 0.19% 0.19% 0.19% 0.19%  
  Other Service Activities 2.65% 2.62% 2.68% 2.72% 3.05% 2.67% 2.62% 2.81% 2.65% 2.65% 2.60% 2.64%  
  Activities of Households as Employers and Undifferentiated Goods-and-Services-Producing Activities of Households for Own Use 2.81% 2.75% 2.77% 2.70% 2.67% 2.57% 2.49% 2.51% 2.48% 2.50% 2.42% 2.42%  
  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 36.92% 36.34% 37.03% 36.48% 36.55% 36.09% 35.66% 36.33% 35.83% 36.36% 35.76% 35.77%  
  Credit Cards 0.16% 0.16% 0.16% 0.16% 0.16% 0.17% 0.16% 0.16% 0.17% 0.17% 0.17% 0.18%  
  Motor Vehicle Loans3/ 26.19% 25.91% 26.24% 25.91% 26.07% 25.70% 25.28% 25.65% 25.29% 25.69% 25.38% 25.46%  
  Auto Loans4/ 24.36% 24.07% 24.32% 23.99% 24.13% 23.91% 23.50% 23.80% 23.45% 23.78% 23.45% 23.48%  
  Motorcycle Loans4/ 1.83% 1.84% 1.92% 1.93% 1.93% 1.79% 1.79% 1.85% 1.84% 1.91% 1.93% 1.98%  
  Salary-Based General-Purpose Consumption Loans5/ 9.18% 8.93% 9.09% 8.88% 8.80% 8.77% 8.81% 9.10% 8.98% 9.09% 8.82% 8.71%  
  Others 1.39% 1.35% 1.54% 1.52% 1.52% 1.45% 1.41% 1.42% 1.40% 1.41% 1.39% 1.42%  
   
  C. Under BSP Reverse Repurchase (RRP) Agreements 3.20% 4.94% 2.88% 3.90% 3.21% 3.59% 5.09% 3.41% 4.70% 3.36% 5.11% 4.70%  
   
  Total Outstanding Loans to Residents  
  Gross of BSP RRP Agreements 99.99% 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 96.80% 95.06% 97.11% 96.10% 96.79% 96.41% 94.90% 96.59% 95.29% 96.64% 94.89% 95.29%  
   
  II. Non-Residents 0.01% 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, Financial Supervision Sector, Bangko Sentral ng Pilipinas
Updated as of 8 February 2019