5 Loans Outstanding for Production and Household Consumption1/
 
 
Philippine Banking System 
as of periods indicated
in billion pesos
 
 
  Jan-21 Feb-21 Mar-21 Apr-21  
           
Levels  
  I. Residents  
  A. For Production by Economic Activity2/ 8,401.223 8,396.266 8,460.971 8,493.096  
  Agriculture, Forestry and Fishing 248.333 243.965 239.519 234.304  
  Mining and Quarrying 43.552 43.713 41.739 42.878  
  Manufacturing 988.343 997.124 1,008.741 1,003.725  
  Electricity, Gas, Steam and Air-Conditioning Supply 1,048.952 1,057.646 1,064.053 1,051.177  
  Water supply, Sewerage, Waste management and Remediation Activities 106.301 107.986 108.053 107.931  
  Construction 374.015 364.034 374.067 375.045  
  Wholesale and Retail Trade, Repair of Motor Vehicles, Motorcycles 1,168.577 1,161.316 1,146.059 1,162.421  
  Accommodation and Food Service Activities 168.590 169.567 165.502 165.918  
  Transportation and Storage 313.208 318.683 320.606 321.477  
  Information and Communication 372.219 374.158 393.063 401.918  
  Financial and Insurance Activities 828.287 825.283 863.466 867.858  
  Real Estate Activities 2,026.015 2,034.525 2,017.185 2,042.325  
  Professional, Scientific and Technical Activities 54.839 53.610 104.772 105.555  
  Administrative and Support Service Activities 38.021 35.981 31.241 31.649  
  Public Administration and Defense; Compulsory Social Security 143.494 142.745 142.400 143.274  
  Education 44.121 43.927 42.042 41.454  
  Human Health and Social Work Activities 92.589 92.642 94.521 94.644  
  Arts, Entertainment and Recreation 147.846 149.826 148.591 147.882  
  Other Service Activities 120.171 106.417 82.732 79.458  
  Activities of Households as Employers and Undifferentiated Goods-and-Services-Producing Activities of Households for Own Use 73.750 73.119 72.619 72.202  
  Activities of Extra-Territorial Organizations and Bodies 0.000 0.000 0.000 0.000  
   
  B. For Household Consumption 1,197.365 1,191.124 1,177.844 1,163.896  
  Credit Cards 406.540 407.931 400.304 393.507  
  Motor Vehicle Loans3/ 547.353 540.354 531.262 522.499  
  Auto Loans4/ 514.504 507.430 497.963 489.513  
  Motorcycle Loans4/ 32.848 32.924 33.300 32.986  
  Salary-Based General-Purpose Consumption Loans5/ 214.007 213.742 217.670 219.383  
  Others 29.465 29.096 28.608 28.508  
   
  C. Under BSP Reverse Repurchase (RRP) Agreements 292.480 299.670 302.826 302.809  
   
  Total Outstanding Loans to Residents  
  Gross of BSP RRP Agreements 9,891.068 9,887.060 9,941.642 9,959.801  
  Net of BSP RRP Agreements 9,598.588 9,587.390 9,638.815 9,656.991  
   
  II. Non-Residents 258.876 256.113 253.631 250.702  
   
  III. Total Loans Outstanding to Residents and Non-Residents  
  Gross of BSP RRP Agreements 10,149.944 10,143.173 10,195.273 10,210.502  
  Net of BSP RRP Agreements 9,857.464 9,843.503 9,892.447 9,907.693  
   
  Memo Items:  
  a. Loans of domestic banks' foreign offices 74.117 73.791 69.340 70.396  
  b. Interbank Loans (inclusive of Loans to BSP) 297.681 300.509 306.922 311.233  
  c. Loans and Receivables Arising from Repurchase Agreements, Certificate of Assignment/Participation with Recourse, Securities Lending and Borrowing Transactions6/ 96.761 61.822 89.247 57.200  
   
  Total Loans Outstanding (inclusive of memo items)7/ 10,618.503 10,579.294 10,660.782 10,649.331  
   
Percentage Distribution8/  
  I. Residents  
  A. For Production by Economic Activity2/ 82.77% 82.78% 82.99% 83.18%  
  Agriculture, Forestry and Fishing 2.45% 2.41% 2.35% 2.29%  
  Mining and Quarrying 0.43% 0.43% 0.41% 0.42%  
  Manufacturing 9.74% 9.83% 9.89% 9.83%  
  Electricity, Gas, Steam and Air-Conditioning Supply 10.33% 10.43% 10.44% 10.30%  
  Water supply, Sewerage, Waste management and Remediation Activities 1.05% 1.06% 1.06% 1.06%  
  Construction 3.68% 3.59% 3.67% 3.67%  
  Wholesale and Retail Trade, Repair of Motor Vehicles, Motorcycles 11.51% 11.45% 11.24% 11.38%  
  Accommodation and Food Service Activities 1.66% 1.67% 1.62% 1.62%  
  Transportation and Storage 3.09% 3.14% 3.14% 3.15%  
  Information and Communication 3.67% 3.69% 3.86% 3.94%  
  Financial and Insurance Activities 8.16% 8.14% 8.47% 8.50%  
  Real Estate Activities 19.96% 20.06% 19.79% 20.00%  
  Professional, Scientific and Technical Activities 0.54% 0.53% 1.03% 1.03%  
  Administrative and Support Service Activities 0.37% 0.35% 0.31% 0.31%  
  Public Administration and Defense; Compulsory Social Security 1.41% 1.41% 1.40% 1.40%  
  Education 0.43% 0.43% 0.41% 0.41%  
  Human Health and Social Work Activities 0.91% 0.91% 0.93% 0.93%  
  Arts, Entertainment and Recreation 1.46% 1.48% 1.46% 1.45%  
  Other Service Activities 1.18% 1.05% 0.81% 0.78%  
  Activities of Households as Employers and Undifferentiated Goods-and-Services-Producing Activities of Households for Own Use 0.73% 0.72% 0.71% 0.71%  
  Activities of Extra-Territorial Organizations and Bodies 0.00% 0.00% 0.00% 0.00%  
   
  B. For Household Consumption 11.80% 11.74% 11.55% 11.40%  
  Credit Cards 4.01% 4.02% 3.93% 3.85%  
  Motor Vehicle Loans3/ 5.39% 5.33% 5.21% 5.12%  
  Auto Loans4/ 5.07% 5.00% 4.88% 4.79%  
  Motorcycle Loans4/ 0.32% 0.32% 0.33% 0.32%  
  Salary-Based General-Purpose Consumption Loans5/ 2.11% 2.11% 2.14% 2.15%  
  Others 0.29% 0.29% 0.28% 0.28%  
   
  C. Under BSP Reverse Repurchase (RRP) Agreements 2.88% 2.95% 2.97% 2.97%  
   
  Total Outstanding Loans to Residents  
  Gross of BSP RRP Agreements 97.45% 97.48% 97.51% 97.54%  
  Net of BSP RRP Agreements 94.57% 94.52% 94.54% 94.58%  
   
  II. Non-Residents 2.55% 2.52% 2.49% 2.46%  
   
  III. Total Loans Outstanding to Residents and Non-Residents  
  Gross of BSP RRP Agreements 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 4 June 2021