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 May-21 Jun-21 Jul-21 Aug-21 Sep-21 Oct-21 Nov-21  
                         
Levels  
  I. Residents  
  A. For Production by Economic Activity2/ 8,401.223 8,396.266 8,460.971 8,493.096 8,505.526 8,600.542 8,619.759 8,713.487 8,773.240 8,784.144 8,854.127  
  Agriculture, Forestry and Fishing 248.333 243.965 239.519 234.304 235.806 236.499 235.015 236.260 233.306 236.215 233.355  
  Mining and Quarrying 43.552 43.713 41.739 42.878 40.576 40.040 40.086 40.652 37.673 37.467 37.617  
  Manufacturing 988.343 997.124 1,008.741 1,003.725 1,009.081 1,017.544 1,028.086 1,065.580 1,073.256 1,065.730 1,083.042  
  Electricity, Gas, Steam and Air-Conditioning Supply 1,048.952 1,057.646 1,064.053 1,051.177 1,039.609 1,052.440 1,047.974 1,039.233 1,053.446 1,038.357 1,035.436  
  Water supply, Sewerage, Waste management and Remediation Activities 106.301 107.986 108.053 107.931 109.892 115.387 115.766 109.202 110.120 110.373 110.197  
  Construction 374.015 364.034 374.067 375.045 378.599 383.609 382.568 383.122 384.468 387.558 391.463  
  Wholesale and Retail Trade, Repair of Motor Vehicles, Motorcycles 1,168.577 1,161.316 1,146.059 1,162.421 1,174.963 1,179.503 1,170.430 1,188.116 1,191.740 1,192.162 1,213.473  
  Accommodation and Food Service Activities 168.590 169.567 165.502 165.918 167.037 166.611 165.927 165.620 163.966 156.412 158.016  
  Transportation and Storage 313.208 318.683 320.606 321.477 327.561 333.330 335.086 342.060 340.480 345.181 347.354  
  Information and Communication 372.219 374.158 393.063 401.918 412.397 432.074 437.218 447.850 466.503 466.411 467.155  
  Financial and Insurance Activities 828.287 825.283 863.466 867.858 901.238 904.343 903.001 906.170 926.781 928.760 943.707  
  Real Estate Activities 2,026.015 2,034.525 2,017.185 2,042.325 2,049.417 2,074.646 2,094.071 2,100.652 2,098.983 2,121.654 2,132.386  
  Professional, Scientific and Technical Activities 54.839 53.610 104.772 105.555 48.698 50.104 51.957 65.354 65.942 65.696 64.972  
  Administrative and Support Service Activities 38.021 35.981 31.241 31.649 30.929 31.899 30.692 32.004 32.310 32.437 32.777  
  Public Administration and Defense; Compulsory Social Security 143.494 142.745 142.400 143.274 141.101 142.715 144.035 146.747 147.938 150.083 149.162  
  Education 44.121 43.927 42.042 41.454 41.463 40.610 40.532 40.300 39.651 39.984 38.783  
  Human Health and Social Work Activities 92.589 92.642 94.521 94.644 97.604 96.037 96.580 96.436 96.406 96.049 97.256  
  Arts, Entertainment and Recreation 147.846 149.826 148.591 147.882 146.849 149.791 148.411 153.882 154.447 159.900 160.305  
  Other Service Activities 120.171 106.417 82.732 79.458 80.344 81.204 80.779 82.561 84.627 83.040 87.430  
  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 72.362 72.154 71.547 71.687 71.199 70.676 70.240  
  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 1,197.365 1,191.124 1,177.844 1,163.896 1,155.973 1,149.964 1,143.209 1,130.376 1,127.557 1,129.546 1,136.315  
  Credit Cards 406.540 407.931 400.304 393.507 396.982 402.341 404.482 402.204 404.490 413.567 428.402  
  Motor Vehicle Loans3/ 547.353 540.354 531.262 522.499 513.075 503.535 495.636 486.573 479.078 472.108 465.357  
  Auto Loans4/ 514.504 507.430 497.963 489.513 480.069 471.060 462.221 453.158 445.786 438.698 431.551  
  Motorcycle Loans4/ 32.848 32.924 33.300 32.986 33.006 32.474 33.415 33.415 33.292 33.410 33.806  
  Salary-Based General-Purpose Consumption Loans5/ 214.007 213.742 217.670 219.383 217.186 215.359 214.704 213.920 216.505 217.882 216.449  
  Others 29.465 29.096 28.608 28.508 28.730 28.730 28.387 27.679 27.485 25.988 26.106  
   
  C. Under BSP Reverse Repurchase (RRP) Agreements 292.480 299.670 302.826 302.809 303.379 302.991 303.232 303.385 302.955 303.439 302.146  
   
  Total Outstanding Loans to Residents  
  Gross of BSP RRP Agreements 9,891.068 9,887.060 9,941.642 9,959.801 9,964.878 10,053.497 10,066.201 10,147.248 10,203.752 10,217.129 10,292.588  
  Net of BSP RRP Agreements 9,598.588 9,587.390 9,638.815 9,656.991 9,661.499 9,750.506 9,762.968 9,843.863 9,900.798 9,913.690 9,990.442  
   
  II. Non-Residents 258.876 256.113 253.631 250.702 252.003 256.719 258.527 257.254 256.524 254.624 261.709  
   
  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 10,216.881 10,310.216 10,324.727 10,404.502 10,460.277 10,471.753 10,554.297  
  Net of BSP RRP Agreements 9,857.464 9,843.503 9,892.447 9,907.693 9,913.502 10,007.225 10,021.495 10,101.118 10,157.322 10,168.314 10,252.152  
   
  Memo Items:  
  a. Loans of domestic banks' foreign offices 74.117 73.791 69.340 70.396 70.184 71.601 72.299 70.222 72.925 77.822 83.443  
  b. Interbank Loans (inclusive of Loans to BSP) 297.681 300.509 306.922 311.233 335.188 317.149 351.286 364.919 372.154 351.366 346.744  
  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 47.492 76.746 56.314 59.148 58.960 58.750 95.581  
   
  Total Loans Outstanding (inclusive of memo items)7/ 10,618.503 10,579.294 10,660.782 10,649.331 10,669.745 10,775.713 10,804.626 10,898.791 10,964.317 10,959.692 11,080.065  
   
Percentage Distribution8/  
  I. Residents  
  A. For Production by Economic Activity2/ 82.77% 82.78% 82.99% 83.18% 83.25% 83.42% 83.49% 83.75% 83.87% 83.88% 83.89%  
  Agriculture, Forestry and Fishing 2.45% 2.41% 2.35% 2.29% 2.31% 2.29% 2.28% 2.27% 2.23% 2.26% 2.21%  
  Mining and Quarrying 0.43% 0.43% 0.41% 0.42% 0.40% 0.39% 0.39% 0.39% 0.36% 0.36% 0.36%  
  Manufacturing 9.74% 9.83% 9.89% 9.83% 9.88% 9.87% 9.96% 10.24% 10.26% 10.18% 10.26%  
  Electricity, Gas, Steam and Air-Conditioning Supply 10.33% 10.43% 10.44% 10.30% 10.18% 10.21% 10.15% 9.99% 10.07% 9.92% 9.81%  
  Water supply, Sewerage, Waste management and Remediation Activities 1.05% 1.06% 1.06% 1.06% 1.08% 1.12% 1.12% 1.05% 1.05% 1.05% 1.04%  
  Construction 3.68% 3.59% 3.67% 3.67% 3.71% 3.72% 3.71% 3.68% 3.68% 3.70% 3.71%  
  Wholesale and Retail Trade, Repair of Motor Vehicles, Motorcycles 11.51% 11.45% 11.24% 11.38% 11.50% 11.44% 11.34% 11.42% 11.39% 11.38% 11.50%  
  Accommodation and Food Service Activities 1.66% 1.67% 1.62% 1.62% 1.63% 1.62% 1.61% 1.59% 1.57% 1.49% 1.50%  
  Transportation and Storage 3.09% 3.14% 3.14% 3.15% 3.21% 3.23% 3.25% 3.29% 3.25% 3.30% 3.29%  
  Information and Communication 3.67% 3.69% 3.86% 3.94% 4.04% 4.19% 4.23% 4.30% 4.46% 4.45% 4.43%  
  Financial and Insurance Activities 8.16% 8.14% 8.47% 8.50% 8.82% 8.77% 8.75% 8.71% 8.86% 8.87% 8.94%  
  Real Estate Activities 19.96% 20.06% 19.79% 20.00% 20.06% 20.12% 20.28% 20.19% 20.07% 20.26% 20.20%  
  Professional, Scientific and Technical Activities 0.54% 0.53% 1.03% 1.03% 0.48% 0.49% 0.50% 0.63% 0.63% 0.63% 0.62%  
  Administrative and Support Service Activities 0.37% 0.35% 0.31% 0.31% 0.30% 0.31% 0.30% 0.31% 0.31% 0.31% 0.31%  
  Public Administration and Defense; Compulsory Social Security 1.41% 1.41% 1.40% 1.40% 1.38% 1.38% 1.40% 1.41% 1.41% 1.43% 1.41%  
  Education 0.43% 0.43% 0.41% 0.41% 0.41% 0.39% 0.39% 0.39% 0.38% 0.38% 0.37%  
  Human Health and Social Work Activities 0.91% 0.91% 0.93% 0.93% 0.96% 0.93% 0.94% 0.93% 0.92% 0.92% 0.92%  
  Arts, Entertainment and Recreation 1.46% 1.48% 1.46% 1.45% 1.44% 1.45% 1.44% 1.48% 1.48% 1.53% 1.52%  
  Other Service Activities 1.18% 1.05% 0.81% 0.78% 0.79% 0.79% 0.78% 0.79% 0.81% 0.79% 0.83%  
  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% 0.71% 0.70% 0.69% 0.69% 0.68% 0.67% 0.67%  
  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 11.80% 11.74% 11.55% 11.40% 11.31% 11.15% 11.07% 10.86% 10.78% 10.79% 10.77%  
  Credit Cards 4.01% 4.02% 3.93% 3.85% 3.89% 3.90% 3.92% 3.87% 3.87% 3.95% 4.06%  
  Motor Vehicle Loans3/ 5.39% 5.33% 5.21% 5.12% 5.02% 4.88% 4.80% 4.68% 4.58% 4.51% 4.41%  
  Auto Loans4/ 5.07% 5.00% 4.88% 4.79% 4.70% 4.57% 4.48% 4.36% 4.26% 4.19% 4.09%  
  Motorcycle Loans4/ 0.32% 0.32% 0.33% 0.32% 0.32% 0.31% 0.32% 0.32% 0.32% 0.32% 0.32%  
  Salary-Based General-Purpose Consumption Loans5/ 2.11% 2.11% 2.14% 2.15% 2.13% 2.09% 2.08% 2.06% 2.07% 2.08% 2.05%  
  Others 0.29% 0.29% 0.28% 0.28% 0.28% 0.28% 0.27% 0.27% 0.26% 0.25% 0.25%  
   
  C. Under BSP Reverse Repurchase (RRP) Agreements 2.88% 2.95% 2.97% 2.97% 2.97% 2.94% 2.94% 2.92% 2.90% 2.90% 2.86%  
   
  Total Outstanding Loans to Residents  
  Gross of BSP RRP Agreements 97.45% 97.48% 97.51% 97.54% 97.53% 97.51% 97.50% 97.53% 97.55% 97.57% 97.52%  
  Net of BSP RRP Agreements 94.57% 94.52% 94.54% 94.58% 94.56% 94.57% 94.56% 94.61% 94.65% 94.67% 94.66%  
   
  II. Non-Residents 2.55% 2.52% 2.49% 2.46% 2.47% 2.49% 2.50% 2.47% 2.45% 2.43% 2.48%  
   
  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 10 January 2022