5 Loans Outstanding for Production and Household Consumption1/
 
 
Philippine Banking System 
as of periods indicated
in billion pesos
 
 
  Jan-19 Feb-19 Mar-19 Apr-19 May-19 Jun-19 Jul-19 Aug-19 Sep-19  Oct-19 Nov-19  
                         
Levels  
  I. Residents  
  A. For Production by Economic Activity2/ 7,923.370 7,892.862 7,957.831 8,067.236 8,098.915 8,112.542 8,143.315 8,187.176 8,294.814 8,286.663 8,419.161  
  Agriculture, Forestry and Fishing 236.164 237.156 241.199 245.773 245.600 241.006 241.077 248.302 251.320 253.050 261.754  
  Mining and Quarrying 55.046 55.615 52.533 54.177 53.998 52.266 49.424 49.378 50.083 47.353 47.579  
  Manufacturing 1,101.161 1,090.854 1,090.803 1,124.982 1,137.843 1,085.917 1,068.437 1,053.815 1,067.469 1,062.442 1,061.000  
  Electricity, Gas, Steam and Air-Conditioning Supply 938.989 933.454 948.655 945.667 962.277 979.118 982.338 987.661 989.260 978.280 990.216  
  Water supply, Sewerage, Waste management and Remediation Activities 84.939 85.311 86.486 86.578 87.586 92.209 94.101 94.615 96.522 96.734 105.051  
  Construction 310.664 317.426 327.693 345.973 345.502 354.444 355.989 356.905 360.159 361.793 366.680  
  Wholesale and Retail Trade, Repair of Motor Vehicles, Motorcycles 1,233.728 1,225.703 1,227.966 1,252.743 1,238.828 1,236.694 1,231.932 1,236.537 1,252.467 1,251.400 1,269.416  
  Accommodation and Food Service Activities 161.186 161.201 162.784 153.593 155.226 150.428 152.550 153.628 155.870 156.956 161.158  
  Transportation and Storage 292.192 288.125 285.110 284.781 286.029 288.446 292.466 298.627 293.543 293.085 294.801  
  Information and Communication 316.331 307.143 314.420 314.303 321.382 322.428 325.993 325.771 337.498 343.506 347.311  
  Financial and Insurance Activities 761.660 752.074 808.888 817.793 811.006 825.758 847.774 868.572 881.090 867.251 897.693  
  Real Estate Activities 1,685.083 1,701.024 1,716.704 1,743.912 1,752.569 1,784.136 1,807.523 1,817.451 1,847.794 1,873.427 1,902.116  
  Professional, Scientific and Technical Activities 70.195 65.991 67.394 65.505 68.052 55.017 50.050 51.252 57.851 50.045 57.657  
  Administrative and Support Service Activities 37.715 41.237 41.523 40.975 41.482 42.425 40.846 41.634 42.067 40.789 42.512  
  Public Administration and Defense; Compulsory Social Security 136.518 135.410 140.155 140.925 137.702 139.442 139.747 140.291 140.210 139.782 141.393  
  Education 45.978 46.128 46.446 46.401 46.579 46.192 46.580 46.760 47.384 48.113 48.755  
  Human Health and Social Work Activities 61.672 62.818 61.682 61.789 62.674 63.535 63.785 63.938 64.616 64.962 65.496  
  Arts, Entertainment and Recreation 131.081 129.458 131.646 141.613 142.423 145.834 138.089 140.216 147.703 146.906 147.675  
  Other Service Activities 153.545 147.953 99.261 98.292 98.869 104.137 111.815 109.501 108.835 110.039 109.391  
  Activities of Households as Employers and Undifferentiated Goods-and-Services-Producing Activities of Households for Own Use 109.522 108.783 106.482 101.462 103.288 103.108 102.798 102.321 103.074 100.752 101.507  
  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  
   
  B. For Household Consumption 1,032.935 1,044.088 1,057.965 1,068.069 1,075.163 1,090.605 1,102.242 1,124.571 1,142.833 1,158.103 1,169.214  
  Credit Cards 288.302 299.220 302.441 309.523 313.870 321.618 322.985 328.751 336.735 345.114 354.571  
  Motor Vehicle Loans3/ 528.786 530.546 536.013 538.867 541.821 545.137 552.644 566.745 571.279 577.579 582.243  
  Auto Loans4/ 507.029 509.090 513.246 515.641 518.205 520.912 527.775 541.305 545.328 550.895 554.921  
  Motorcycle Loans4/ 21.757 21.456 22.767 23.226 23.617 24.226 24.868 25.440 25.951 26.684 27.322  
  Salary-Based General-Purpose Consumption Loans5/ 185.302 182.437 188.388 187.864 187.094 192.087 194.591 196.899 201.129 201.171 198.193  
  Others 30.545 31.884 31.123 31.814 32.378 31.762 32.022 32.177 33.690 34.240 34.207  
   
  C. Under BSP Reverse Repurchase (RRP) Agreements 302.507 303.524 249.907 283.141 178.781 303.306 304.561 221.180 297.664 278.420 300.114  
   
  Total Outstanding Loans to Residents  
  Gross of BSP RRP Agreements 9,258.812 9,240.474 9,265.703 9,418.447 9,352.858 9,506.453 9,550.118 9,532.927 9,735.311 9,723.186 9,888.490  
  Net of BSP RRP Agreements 8,956.305 8,936.950 9,015.796 9,135.306 9,174.077 9,203.147 9,245.557 9,311.747 9,437.647 9,444.766 9,588.375  
   
  II. Non-Residents 278.869 278.137 287.752 300.880 302.007 309.866 311.128 312.142 311.935 318.840 331.613  
   
  III. Total Loans Outstanding to Residents and Non-Residents  
  Gross of BSP RRP Agreements 9,537.681 9,518.611 9,553.455 9,719.326 9,654.865 9,816.319 9,861.246 9,845.069 10,047.247 10,042.026 10,220.102  
  Net of BSP RRP Agreements 9,235.174 9,215.087 9,303.548 9,436.185 9,476.084 9,513.013 9,556.685 9,623.889 9,749.583 9,763.606 9,919.988  
   
  Memo Items:  
  a. Loans of domestic banks' foreign offices 55.152 53.619 51.062 53.911 51.058 53.982 51.093 53.411 59.783 61.983 67.889  
  b. Interbank Loans (inclusive of Loans to BSP) 241.240 261.836 258.607 294.463 274.893 283.312 296.099 307.486 322.576 288.678 254.649  
  c. Loans and Receivables Arising from Repurchase Agreements, Certificate of Assignment/Participation with Recourse, Securities Lending and Borrowing Transactions6/ 85.206 70.836 126.038 109.179 102.808 134.943 116.839 86.525 134.626 87.582 92.760  
   
  Total Loans Outstanding (inclusive of memo items)7/ 9,919.279 9,904.903 9,989.163 10,176.880 10,083.624 10,288.556 10,325.278 10,292.491 10,564.232 10,480.269 10,635.401  
   
Percentage Distribution8/  
  I. Residents  
  A. For Production by Economic Activity2/ 83.07% 82.92% 83.30% 83.00% 83.88% 82.64% 82.58% 83.16% 82.56% 82.52% 82.38%  
  Agriculture, Forestry and Fishing 2.48% 2.49% 2.52% 2.53% 2.54% 2.46% 2.44% 2.52% 2.50% 2.52% 2.56%  
  Mining and Quarrying 0.58% 0.58% 0.55% 0.56% 0.56% 0.53% 0.50% 0.50% 0.50% 0.47% 0.47%  
  Manufacturing 11.55% 11.46% 11.42% 11.57% 11.79% 11.06% 10.83% 10.70% 10.62% 10.58% 10.38%  
  Electricity, Gas, Steam and Air-Conditioning Supply 9.85% 9.81% 9.93% 9.73% 9.97% 9.97% 9.96% 10.03% 9.85% 9.74% 9.69%  
  Water supply, Sewerage, Waste management and Remediation Activities 0.89% 0.90% 0.91% 0.89% 0.91% 0.94% 0.95% 0.96% 0.96% 0.96% 1.03%  
  Construction 3.26% 3.33% 3.43% 3.56% 3.58% 3.61% 3.61% 3.63% 3.58% 3.60% 3.59%  
  Wholesale and Retail Trade, Repair of Motor Vehicles, Motorcycles 12.94% 12.88% 12.85% 12.89% 12.83% 12.60% 12.49% 12.56% 12.47% 12.46% 12.42%  
  Accommodation and Food Service Activities 1.69% 1.69% 1.70% 1.58% 1.61% 1.53% 1.55% 1.56% 1.55% 1.56% 1.58%  
  Transportation and Storage 3.06% 3.03% 2.98% 2.93% 2.96% 2.94% 2.97% 3.03% 2.92% 2.92% 2.88%  
  Information and Communication 3.32% 3.23% 3.29% 3.23% 3.33% 3.28% 3.31% 3.31% 3.36% 3.42% 3.40%  
  Financial and Insurance Activities 7.99% 7.90% 8.47% 8.41% 8.40% 8.41% 8.60% 8.82% 8.77% 8.64% 8.78%  
  Real Estate Activities 17.67% 17.87% 17.97% 17.94% 18.15% 18.18% 18.33% 18.46% 18.39% 18.66% 18.61%  
  Professional, Scientific and Technical Activities 0.74% 0.69% 0.71% 0.67% 0.70% 0.56% 0.51% 0.52% 0.58% 0.50% 0.56%  
  Administrative and Support Service Activities 0.40% 0.43% 0.43% 0.42% 0.43% 0.43% 0.41% 0.42% 0.42% 0.41% 0.42%  
  Public Administration and Defense; Compulsory Social Security 1.43% 1.42% 1.47% 1.45% 1.43% 1.42% 1.42% 1.42% 1.40% 1.39% 1.38%  
  Education 0.48% 0.48% 0.49% 0.48% 0.48% 0.47% 0.47% 0.47% 0.47% 0.48% 0.48%  
  Human Health and Social Work Activities 0.65% 0.66% 0.65% 0.64% 0.65% 0.65% 0.65% 0.65% 0.64% 0.65% 0.64%  
  Arts, Entertainment and Recreation 1.37% 1.36% 1.38% 1.46% 1.48% 1.49% 1.40% 1.42% 1.47% 1.46% 1.44%  
  Other Service Activities 1.61% 1.55% 1.04% 1.01% 1.02% 1.06% 1.13% 1.11% 1.08% 1.10% 1.07%  
  Activities of Households as Employers and Undifferentiated Goods-and-Services-Producing Activities of Households for Own Use 1.15% 1.14% 1.11% 1.04% 1.07% 1.05% 1.04% 1.04% 1.03% 1.00% 0.99%  
  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%  
   
  B. For Household Consumption 10.83% 10.97% 11.07% 10.99% 11.14% 11.11% 11.18% 11.42% 11.37% 11.53% 11.44%  
  Credit Cards 3.02% 3.14% 3.17% 3.18% 3.25% 3.28% 3.28% 3.34% 3.35% 3.44% 3.47%  
  Motor Vehicle Loans3/ 5.54% 5.57% 5.61% 5.54% 5.61% 5.55% 5.60% 5.76% 5.69% 5.75% 5.70%  
  Auto Loans4/ 5.32% 5.35% 5.37% 5.31% 5.37% 5.31% 5.35% 5.50% 5.43% 5.49% 5.43%  
  Motorcycle Loans4/ 0.23% 0.23% 0.24% 0.24% 0.24% 0.25% 0.25% 0.26% 0.26% 0.27% 0.27%  
  Salary-Based General-Purpose Consumption Loans5/ 1.94% 1.92% 1.97% 1.93% 1.94% 1.96% 1.97% 2.00% 2.00% 2.00% 1.94%  
  Others 0.32% 0.33% 0.33% 0.33% 0.34% 0.32% 0.32% 0.33% 0.34% 0.34% 0.33%  
   
  C. Under BSP Reverse Repurchase (RRP) Agreements 3.17% 3.19% 2.62% 2.91% 1.85% 3.09% 3.09% 2.25% 2.96% 2.77% 2.94%  
   
  Total Outstanding Loans to Residents  
  Gross of BSP RRP Agreements 97.08% 97.08% 96.99% 96.90% 96.87% 96.84% 96.84% 96.83% 96.90% 96.82% 96.76%  
  Net of BSP RRP Agreements 93.90% 93.89% 94.37% 93.99% 95.02% 93.75% 93.76% 94.58% 93.93% 94.05% 93.82%  
   
  II. Non-Residents 2.92% 2.92% 3.01% 3.10% 3.13% 3.16% 3.16% 3.17% 3.10% 3.18% 3.24%  
   
  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%  
                                   
                                   
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 : Department of Supervisory Analytics, Financial Supervision Sector, Bangko Sentral ng Pilipinas
Updated as of 09 January 2020