14 Loans Outstanding for Production and Household Consumption1/
 
 
Universal and Commercial Banking System 
as of periods indicated
in billion pesos
 
 
  Jan-19 Feb-19 Mar-19 Apr-19 May-19  
             
Levels  
  I. Residents  
  A. For Production by Economic Activity2/ 7,279.921 7,251.538 7,307.552 7,416.523 7,444.944  
  Agriculture, Forestry and Fishing 192.153 194.555 197.287 201.693 201.199  
  Mining and Quarrying 53.725 53.507 50.831 52.874 52.712  
  Manufacturing 1,075.630 1,065.489 1,064.142 1,098.116 1,111.084  
  Electricity, Gas, Steam and Air-Conditioning Supply 927.434 922.175 937.509 934.551 951.442  
  Water supply, Sewerage, Waste management and Remediation Activities 83.783 84.143 85.181 85.251 85.799  
  Construction 294.017 300.701 310.181 328.368 327.934  
  Wholesale and Retail Trade, Repair of Motor Vehicles, Motorcycles 1,126.872 1,119.047 1,121.075 1,144.350 1,130.288  
  Accommodation and Food Service Activities 151.194 150.797 152.263 142.930 144.538  
  Transportation and Storage 271.050 267.694 264.133 263.882 265.046  
  Information and Communication 311.592 302.516 309.683 309.675 316.714  
  Financial and Insurance Activities 747.524 738.555 795.725 804.764 797.591  
  Real Estate Activities 1,381.695 1,396.957 1,407.872 1,434.804 1,442.018  
  Professional, Scientific and Technical Activities 65.029 60.843 62.146 60.762 63.331  
  Administrative and Support Service Activities 32.781 36.233 36.790 36.148 36.698  
  Public Administration and Defense; Compulsory Social Security 136.182 135.077 139.824 140.600 137.382  
  Education 39.691 39.858 40.073 40.023 40.088  
  Human Health and Social Work Activities 56.170 57.320 56.006 56.258 56.571  
  Arts, Entertainment and Recreation 129.250 127.685 129.846 139.788 140.690  
  Other Service Activities 119.406 114.192 64.920 64.505 64.530  
  Activities of Households as Employers and Undifferentiated Goods-and-Services-Producing Activities of Households for Own Use 84.743 84.194 82.067 77.180 79.289  
  Activities of Extra-Territorial Organizations and Bodies 0.000 0.000 0.000 0.000 0.000  
   
  B. For Household Consumption 660.082 675.276 681.436 689.980 695.095  
  Credit Cards 286.689 297.478 300.670 307.747 312.018  
  Motor Vehicle Loans3/ 291.244 292.784 295.890 298.058 299.073  
  Auto Loans4/ 288.632 290.085 293.113 295.159 296.095  
  Motorcycle Loans4/ 2.612 2.698 2.777 2.899 2.978  
  Salary-Based General-Purpose Consumption Loans5/ 69.431 70.870 70.734 69.765 69.288  
  Others 12.718 14.144 14.142 14.410 14.716  
   
  C. Under BSP Reverse Repurchase (RRP) Agreements 260.341 260.349 206.885 222.435 143.381  
   
  Total Outstanding Loans to Residents  
  Gross of BSP RRP Agreements 8,200.344 8,187.163 8,195.873 8,328.938 8,283.420  
  Net of BSP RRP Agreements 7,940.003 7,926.813 7,988.988 8,106.503 8,140.039  
   
  II. Non-Residents 278.836 278.104 287.727 300.855 301.982  
   
  III. Total Loans Outstanding to Residents and Non-Residents  
  Gross of BSP RRP Agreements 8,479.180 8,465.267 8,483.600 8,629.793 8,585.401  
  Net of BSP RRP Agreements 8,218.839 8,204.918 8,276.715 8,407.358 8,442.020  
   
  Memo Items:  
  a. Loans of domestic banks' foreign offices 55.152 53.619 51.062 53.911 51.058  
  b. Interbank Loans (inclusive of Loans to BSP) 232.951 255.056 257.826 293.737 273.996  
  c. Loans and Receivables Arising from Repurchase Agreements, Certificate of Assignment/Participation with Recourse, Securities Lending and Borrowing Transactions6/ 85.201 70.831 126.033 109.173 102.802  
   
  Total Loans Outstanding (inclusive of memo items)7/ 8,852.484 8,844.774 8,918.522 9,086.615 9,013.257  
   
Percentage Distribution8/  
  I. Residents  
  A. For Production by Economic Activity2/ 85.86% 85.66% 86.14% 85.94% 86.72%  
  Agriculture, Forestry and Fishing 2.27% 2.30% 2.33% 2.34% 2.34%  
  Mining and Quarrying 0.63% 0.63% 0.60% 0.61% 0.61%  
  Manufacturing 12.69% 12.59% 12.54% 12.72% 12.94%  
  Electricity, Gas, Steam and Air-Conditioning Supply 10.94% 10.89% 11.05% 10.83% 11.08%  
  Water supply, Sewerage, Waste management and Remediation Activities 0.99% 0.99% 1.00% 0.99% 1.00%  
  Construction 3.47% 3.55% 3.66% 3.81% 3.82%  
  Wholesale and Retail Trade, Repair of Motor Vehicles, Motorcycles 13.29% 13.22% 13.21% 13.26% 13.17%  
  Accommodation and Food Service Activities 1.78% 1.78% 1.79% 1.66% 1.68%  
  Transportation and Storage 3.20% 3.16% 3.11% 3.06% 3.09%  
  Information and Communication 3.67% 3.57% 3.65% 3.59% 3.69%  
  Financial and Insurance Activities 8.82% 8.72% 9.38% 9.33% 9.29%  
  Real Estate Activities 16.30% 16.50% 16.60% 16.63% 16.80%  
  Professional, Scientific and Technical Activities 0.77% 0.72% 0.73% 0.70% 0.74%  
  Administrative and Support Service Activities 0.39% 0.43% 0.43% 0.42% 0.43%  
  Public Administration and Defense; Compulsory Social Security 1.61% 1.60% 1.65% 1.63% 1.60%  
  Education 0.47% 0.47% 0.47% 0.46% 0.47%  
  Human Health and Social Work Activities 0.66% 0.68% 0.66% 0.65% 0.66%  
  Arts, Entertainment and Recreation 1.52% 1.51% 1.53% 1.62% 1.64%  
  Other Service Activities 1.41% 1.35% 0.77% 0.75% 0.75%  
  Activities of Households as Employers and Undifferentiated Goods-and-Services-Producing Activities of Households for Own Use 1.00% 0.99% 0.97% 0.89% 0.92%  
  Activities of Extra-Territorial Organizations and Bodies 0.00% 0.00% 0.00% 0.00% 0.00%  
   
  B. For Household Consumption 7.78% 7.98% 8.03% 8.00% 8.10%  
  Credit Cards 3.38% 3.51% 3.54% 3.57% 3.63%  
  Motor Vehicle Loans3/ 3.43% 3.46% 3.49% 3.45% 3.48%  
  Auto Loans4/ 3.40% 3.43% 3.46% 3.42% 3.45%  
  Motorcycle Loans4/ 0.03% 0.03% 0.03% 0.03% 0.03%  
  Salary-Based General-Purpose Consumption Loans5/ 0.82% 0.84% 0.83% 0.81% 0.81%  
  Others 0.15% 0.17% 0.17% 0.17% 0.17%  
   
  C. Under BSP Reverse Repurchase (RRP) Agreements 3.07% 3.08% 2.44% 2.58% 1.67%  
   
  Total Outstanding Loans to Residents  
  Gross of BSP RRP Agreements 96.71% 96.71% 96.61% 96.51% 96.48%  
  Net of BSP RRP Agreements 93.64% 93.64% 94.17% 93.94% 94.81%  
   
  II. Non-Residents 3.29% 3.29% 3.39% 3.49% 3.52%  
   
  III. Total Loans Outstanding to Residents and Non-Residents  
  Gross of BSP RRP Agreements 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 8 July 2019