23 Loans Outstanding for Production and Household Consumption1/
 
 
Universal 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/ 6,864.342 6,853.562 6,918.332 7,011.379 7,034.716  
  Agriculture, Forestry and Fishing 181.999 181.994 184.335 188.202 187.806  
  Mining and Quarrying 53.183 52.983 50.319 52.369 52.188  
  Manufacturing 958.480 955.258 961.507 982.124 998.797  
  Electricity, Gas, Steam and Air-Conditioning Supply 887.105 879.515 894.975 896.134 909.972  
  Water supply, Sewerage, Waste management and Remediation Activities 80.675 81.036 81.760 81.817 82.361  
  Construction 275.666 281.903 291.567 309.593 308.857  
  Wholesale and Retail Trade, Repair of Motor Vehicles, Motorcycles 1,070.982 1,065.790 1,068.394 1,089.079 1,071.354  
  Accommodation and Food Service Activities 142.627 142.317 143.899 134.649 136.265  
  Transportation and Storage 254.255 250.896 247.760 247.607 247.611  
  Information and Communication 305.867 297.548 304.622 304.570 311.165  
  Financial and Insurance Activities 711.561 704.324 762.350 770.820 762.586  
  Real Estate Activities 1,309.545 1,324.379 1,334.680 1,359.288 1,368.327  
  Professional, Scientific and Technical Activities 63.388 59.337 60.658 59.365 61.922  
  Administrative and Support Service Activities 30.016 33.621 34.400 33.857 33.981  
  Public Administration and Defense; Compulsory Social Security 133.547 132.309 136.978 137.789 134.616  
  Education 37.669 37.753 37.935 37.913 37.966  
  Human Health and Social Work Activities 55.702 56.841 55.547 55.789 56.085  
  Arts, Entertainment and Recreation 122.946 121.390 123.660 132.656 133.439  
  Other Service Activities 105.535 111.436 62.188 61.856 61.299  
  Activities of Households as Employers and Undifferentiated Goods-and-Services-Producing Activities of Households for Own Use 83.596 82.934 80.797 75.901 78.120  
  Activities of Extra-Territorial Organizations and Bodies 0.000 0.000 0.000 0.000 0.000  
   
  B. For Household Consumption 543.559 546.050 552.214 559.200 567.111  
  Credit Cards 234.327 234.849 238.309 243.964 247.993  
  Motor Vehicle Loans3/ 245.647 247.329 250.392 252.540 257.046  
  Auto Loans4/ 245.451 247.127 250.183 252.310 256.803  
  Motorcycle Loans4/ 0.196 0.202 0.208 0.230 0.242  
  Salary-Based General-Purpose Consumption Loans5/ 52.518 52.688 52.281 51.197 50.497  
  Others 11.067 11.184 11.232 11.498 11.575  
   
  C. Under BSP Reverse Repurchase (RRP) Agreements 184.283 214.044 163.230 163.745 102.238  
   
  Total Outstanding Loans to Residents  
  Gross of BSP RRP Agreements 7,592.184 7,613.656 7,633.776 7,734.323 7,704.065  
  Net of BSP RRP Agreements 7,407.901 7,399.612 7,470.546 7,570.578 7,601.827  
   
  II. Non-Residents 265.190 264.688 274.813 287.721 288.870  
   
  III. Total Loans Outstanding to Residents and Non-Residents  
  Gross of BSP RRP Agreements 7,857.374 7,878.344 7,908.589 8,022.044 7,992.935  
  Net of BSP RRP Agreements 7,673.091 7,664.301 7,745.359 7,858.299 7,890.697  
   
  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) 185.696 205.454 218.776 237.008 239.264  
  c. Loans and Receivables Arising from Repurchase Agreements, Certificate of Assignment/Participation with Recourse, Securities Lending and Borrowing Transactions6/ 26.945 14.510 30.832 25.611 22.373  
   
  Total Loans Outstanding (inclusive of memo items)7/ 8,125.167 8,151.928 8,209.259 8,338.574 8,305.630  
   
Percentage Distribution8/  
  I. Residents  
  A. For Production by Economic Activity2/ 87.36% 86.99% 87.48% 87.40% 88.01%  
  Agriculture, Forestry and Fishing 2.32% 2.31% 2.33% 2.35% 2.35%  
  Mining and Quarrying 0.68% 0.67% 0.64% 0.65% 0.65%  
  Manufacturing 12.20% 12.13% 12.16% 12.24% 12.50%  
  Electricity, Gas, Steam and Air-Conditioning Supply 11.29% 11.16% 11.32% 11.17% 11.38%  
  Water supply, Sewerage, Waste management and Remediation Activities 1.03% 1.03% 1.03% 1.02% 1.03%  
  Construction 3.51% 3.58% 3.69% 3.86% 3.86%  
  Wholesale and Retail Trade, Repair of Motor Vehicles, Motorcycles 13.63% 13.53% 13.51% 13.58% 13.40%  
  Accommodation and Food Service Activities 1.82% 1.81% 1.82% 1.68% 1.70%  
  Transportation and Storage 3.24% 3.18% 3.13% 3.09% 3.10%  
  Information and Communication 3.89% 3.78% 3.85% 3.80% 3.89%  
  Financial and Insurance Activities 9.06% 8.94% 9.64% 9.61% 9.54%  
  Real Estate Activities 16.67% 16.81% 16.88% 16.94% 17.12%  
  Professional, Scientific and Technical Activities 0.81% 0.75% 0.77% 0.74% 0.77%  
  Administrative and Support Service Activities 0.38% 0.43% 0.43% 0.42% 0.43%  
  Public Administration and Defense; Compulsory Social Security 1.70% 1.68% 1.73% 1.72% 1.68%  
  Education 0.48% 0.48% 0.48% 0.47% 0.47%  
  Human Health and Social Work Activities 0.71% 0.72% 0.70% 0.70% 0.70%  
  Arts, Entertainment and Recreation 1.56% 1.54% 1.56% 1.65% 1.67%  
  Other Service Activities 1.34% 1.41% 0.79% 0.77% 0.77%  
  Activities of Households as Employers and Undifferentiated Goods-and-Services-Producing Activities of Households for Own Use 1.06% 1.05% 1.02% 0.95% 0.98%  
  Activities of Extra-Territorial Organizations and Bodies 0.00% 0.00% 0.00% 0.00% 0.00%  
   
  B. For Household Consumption 6.92% 6.93% 6.98% 6.97% 7.10%  
  Credit Cards 2.98% 2.98% 3.01% 3.04% 3.10%  
  Motor Vehicle Loans3/ 3.13% 3.14% 3.17% 3.15% 3.22%  
  Auto Loans4/ 3.12% 3.14% 3.16% 3.15% 3.21%  
  Motorcycle Loans4/ 0.00% 0.00% 0.00% 0.00% 0.00%  
  Salary-Based General-Purpose Consumption Loans5/ 0.67% 0.67% 0.66% 0.64% 0.63%  
  Others 0.14% 0.14% 0.14% 0.14% 0.14%  
   
  C. Under BSP Reverse Repurchase (RRP) Agreements 2.35% 2.72% 2.06% 2.04% 1.28%  
   
  Total Outstanding Loans to Residents  
  Gross of BSP RRP Agreements 96.62% 96.64% 96.53% 96.41% 96.39%  
  Net of BSP RRP Agreements 94.28% 93.92% 94.46% 94.37% 95.11%  
   
  II. Non-Residents 3.38% 3.36% 3.47% 3.59% 3.61%  
   
  III. Total Loans Outstanding to Residents and Non-Residents  
  Gross of BSP RRP Agreements 100.00% 100.00% 100.00% 100.00% 100.00%  
                       
                       
*Inclusive of branches/subsidiaries of foreign banks and government banks with universal banking license
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 July 2019