Loans Outstanding for Production and Consumer Loans: Universal and Commercial Banks 1
as of periods indicated
                                 
Levels Year-on-Year Change Share to Total Loans Outstanding, Net of RRPs
(in million Philippine pesos) (in percent) (in percent)
2024   2025 2025 2024   2025
April May April May p April May p April May April May p
                                 
I.   Residents
A. For Production by Economic Activity 10,212,108 10,297,883 11,259,506 11,347,293 10.3 10.2 85.7 85.7 85.0 84.9
1. Agriculture, Forestry and Fishing 213,750 218,368 234,086 232,954 9.5 6.7 1.8 1.8 1.8 1.7
2. Mining and Quarrying 46,704 49,081 62,774 66,272 34.4 35.0 0.4 0.4 0.5 0.5
3. Manufacturing 1,252,661 1,267,216 1,260,338 1,229,183 0.6 -3.0 10.5 10.5 9.5 9.2
4. Electricity, Gas, Steam and Air-conditioning Supply 1,302,182 1,303,498 1,623,125 1,636,544 24.6 25.6 10.9 10.8 12.3 12.2
5. Water Supply, Sewerage, Waste Management and Remediation Activities 177,119 191,647 209,022 209,734 18.0 9.4 1.5 1.6 1.6 1.6
6. Construction 496,136 479,088 523,346 512,778 5.5 7.0 4.2 4.0 4.0 3.8
7. Wholesale and Retail Trade, Repair of Motor Vehicles and Motorcycles 1,347,290 1,366,012 1,481,191 1,499,932 9.9 9.8 11.3 11.4 11.2 11.2
8. Accommodation and Food Service  Activities 146,191 146,290 171,490 169,561 17.3 15.9 1.2 1.2 1.3 1.3
9. Transportation and Storage 437,137 455,958 502,363 519,744 14.9 14.0 3.7 3.8 3.8 3.9
10. Information and Communication 641,647 637,609 691,284 700,353 7.7 9.8 5.4 5.3 5.2 5.2
11. Financial and Insurance Activities 988,555 987,711 1,063,050 1,082,730 7.5 9.6 8.3 8.2 8.0 8.1
12. Real Estate Activities 2,442,154 2,481,078 2,659,589 2,697,379 8.9 8.7 20.5 20.6 20.1 20.2
13. Professional, Scientific and Technical Services 37,788 38,369 56,919 58,452 50.6 52.3 0.3 0.3 0.4 0.4
14. Administrative and Support Services Activities 46,679 46,379 42,762 42,758 -8.4 -7.8 0.4 0.4 0.3 0.3
15. Public Administration and Defense, Compulsory Social Security 196,293 197,911 224,363 228,622 14.3 15.5 1.6 1.6 1.7 1.7
16. Education 30,816 30,690 30,723 30,597 -0.3 -0.3 0.3 0.3 0.2 0.2
17. Human Health and Social Work Activities 100,989 100,805 99,514 100,275 -1.5 -0.5 0.8 0.8 0.8 0.8
18. Arts, Entertainment and Recreation 190,938 182,843 218,316 221,642 14.3 21.2 1.6 1.5 1.6 1.7
19. Other Service Activities 102,134 102,702 88,822 90,769 -13.0 -11.6 0.9 0.9 0.7 0.7
20. Activities of Households as Employers and Undifferentiated Goods-and Services-Producing Activities of Households for Own Use 14,942 14,629 16,430 17,014 10.0 16.3 0.1 0.1 0.1 0.1
21. Activities of Extra-Territorial Organizations and Bodies 0 0 0 0 -- -- 0.0 0.0 0.0 0.0
B. For Consumer Loans 2 1,348,334 1,373,007 1,671,304 1,698,619 24.0 23.7 11.3 11.4 12.6 12.7
1. Credit Card 762,193 776,022 985,308 1,004,392 29.3 29.4 6.4 6.5 7.4 7.5
2. Motor Vehicle Loans 406,621 415,331 483,816 490,740 19.0 18.2 3.4 3.5 3.7 3.7
3. Salary-Based General Purpose Consumption Loan 146,753 148,557 160,379 161,504 9.3 8.7 1.2 1.2 1.2 1.2
4. Others 32,766 33,096 41,802 41,982 27.6 26.8 0.3 0.3 0.3 0.3
C. Under BSP Reverse Repurchase (RRP) Agreements 347,320 180,185 182,004 253,738 -47.6 40.8
Total Loans Outstanding to Residents
Gross of RRPs 11,907,761 11,851,074 13,112,814 13,299,649 10.1 12.2
Net of RRPs 11,560,441 11,670,889 12,930,810 13,045,911 11.9 11.8 97.0 97.1 97.6 97.6
II.   Nonresidents 353,726 346,799 318,366 323,828 -10.0 -6.6 3.0 2.9 2.4 2.4
lll.  Total Loans Outstanding to Residents and Nonresidents
Gross of RRPs 12,261,488 12,197,873 13,431,180 13,623,477 9.5 11.7
Net of RRPs 11,914,168 12,017,688 13,249,176 13,369,739 11.2 11.3 100.0 100.0 100.0 100.0
Memo Items:
a. Loans of domestic banks' foreign offices 96,193 91,881 81,629 87,170
b. Interbank loans inclusive of loans to BSP 344,917 367,046 459,974 459,068
c. Loans and Receivables Arising from Repurchase Agreements, Certificates of Assignment/
Participation with Recourse and Securities Lending and Borrowing Transactions 3 186,671 200,245 201,475 263,012
Total Loans Outstanding (inclusive of memo items) 4 12,889,268 12,857,045 14,174,258 14,432,728
                 
               
1 Net of amortization. Based on 2009 Philippine Standard Industrial Classification (PSIC). 
2 Excludes residential real estate loans (RREL)
3 Excludes BSP RRP agreements
4 Sum of total loans outstanding to residents and nonresidents (gross of BSP RRP agreements) and of all memo items
Details may not add up to total due to rounding.
p preliminary
-- undefined or indeterminate