25 TOTAL LOANS (GROSS), LOAN LOSS PROVISIONS AND NON-PERFORMING LOANS (NPL) 1
BY TYPE OF UNIVERSAL AND COMMERCIAL BANKS
as of periods indicated
in million pesos
                       
                       
2021 2022 2023 Feb
            2023 2024 p  
Total Loans
Total        10,457,131       11,802,545       12,851,468        11,563,673        12,532,172
Universal Banks         8,061,050         9,260,180        9,983,580         8,940,193      10,050,358
Commercial Banks              387,041             238,719             265,344             234,481               141,317
Government Banks 2          1,434,502         1,748,768         2,033,648          1,769,892          1,795,839
Foreign Banks  3             574,538            554,877            568,896              619,106            544,658
Gross Non-Performing Loans 4
Total             371,645             336,537            379,796            347,578             393,461
Universal Banks              290,831             233,507              251,293             238,976             264,210
Commercial Banks                 19,699                 13,193                14,923                 13,393                 11,227
Government Banks 2               55,054               86,737              106,941              92,084              111,420
Foreign Banks  3                  6,061                 3,099                  6,639                   3,125                 6,604
Net Non-Performing Loans 4
Total             193,439             154,398             172,874             163,458             173,954
Universal Banks             145,090                 93,121            106,885               97,754             109,825
Commercial Banks                   8,539                  6,236                   7,119                   6,631                  4,632
Government Banks 2                37,336               54,377                56,591              58,402               57,425
Foreign Banks  3                  2,474                     664                 2,280                      671                 2,072
Loan Loss Provision
Total            344,864            382,952           408,360            386,910            416,706
Universal Banks              268,415              283,321             295,615            286,944            305,267
Commercial Banks                17,240                 11,747               13,030                 11,734                10,243
Government Banks 2               48,367               80,693              90,838              80,785                92,139
Foreign Banks  3               10,842                   7,191                 8,877                  7,446                 9,056
Ratios (in percent):
Gross NPL/Total Loans
Total                    3.55                    2.85                    2.96                     3.01                     3.14
Universal Banks                      3.61                    2.52                    2.52                    2.67                    2.63
Commercial Banks                     5.09                    5.53                    5.62                     5.71                    7.94
Government Banks 2                    3.84                    4.96                    5.26                    5.20                    6.20
Foreign Banks  3                    1.05                    0.56                      1.17                   0.50                      1.21
Net NPL/Total Loans
Total                     1.85                      1.31                     1.35                     1.41                     1.39
Universal Banks                     1.80                     1.01                    1.07                    1.09                    1.09
Commercial Banks                      2.21                     2.61                    2.68                    2.83                    3.28
Government Banks 2                    2.60                      3.11                    2.78                    3.30                    3.20
Foreign Banks  3                    0.43                    0.12                   0.40                     0.11                    0.38
                       
1 Include transactions of local banks' foreign offices but exclude banks under liquidation
2 Consist of Land Bank of the Philippines, Development Bank of the Philippines and Al-Amanah Islamic Investment Bank of the Philippines
3 Consist of 24 foreign banks, exclude 2 foreign banks' subsidiaries
4 Gross NPL represents the actual level of NPL without any adjustment for loans treated as "loss" and fully provisioned.  As a complementary measure
in the computation of gross NPL, banks are required to compute their net NPLs, which shall refer to gross NPLs less specific allowance for credit losses on the
total loan portfolio, provided, that such specific allowance for credit losses on the total loan portfolio shall not be deducted from the total loan portfolio. 
p Preliminary. Based on the data provided by the Department of Supervisory Analytics (DSA) as of 04 April 2024.
Details may not add up to total due to rounding.
Source : DSA, Bangko Sentral ng Pilipinas