Table 25
Total Loans (Gross), Loan Loss Provisions and Non-Performing Loans (NPL) by Type of Universal and Commercial Banks 1
levels in million Philippine pesos; as of periods indicated
					2022	2023	2024		February
									2024	2025 p
		Total Loans
		Total			11,802,545	12,851,468	14,202,338		12,532,172	14,015,384
		Universal Banks			9,260,180	9,983,580	11,331,688		10,050,358	11,282,914
		Commercial Banks			238,719	265,344	150,163		141,317	152,342
		Government Banks 2			1,748,768	2,033,648	2,158,758		1,795,839	1,928,148
		Foreign Banks  3			554,877	568,896	561,728		544,658	651,980
		Gross Non-Performing Loans 4
		Total			336,537	379,796	424,675		393,461	435,327
		Universal Banks			233,507	251,293	274,478		264,210	283,585
		Commercial Banks			13,193	14,923	11,186		11,227	11,297
		Government Banks 2			86,737	106,941	132,351		111,420	133,805
		Foreign Banks  3			3,099	6,639	6,660		6,604	6,640
		Net Non-Performing Loans 4
		Total			154,398	172,874	180,505		173,954	184,106
		Universal Banks			93,121	106,885	111,866		109,825	117,879
		Commercial Banks			6,236	7,119	3,772		4,632	3,968
		Government Banks 2			54,377	56,591	62,948		57,425	60,208
		Foreign Banks  3			664	2,280	1,918		2,072	2,052
		Loan Loss Provisions
		Total			382,952	408,360	429,909		416,706	436,048
		Universal Banks			283,321	295,615	301,401		305,267	305,073
		Commercial Banks			11,747	13,030	11,108		10,243	11,371
		Government Banks 2			80,693	90,838	107,537		92,139	109,712
		Foreign Banks  3			7,191	8,877	9,864		9,056	9,892
		Ratios (in percent):
		Gross NPL/Total Loans
		Total			2.85	2.96	2.99		3.14	3.11
		Universal Banks			2.52	2.52	2.42		2.63	2.51
		Commercial Banks			5.53	5.62	7.45		7.94	7.42
		Government Banks 2			4.96	5.26	6.13		6.20	6.94
		Foreign Banks  3			0.56	1.17	1.19		1.21	1.02
		Net NPL/Total Loans
		Total			1.31	1.35	1.27		1.39	1.31
		Universal Banks			1.01	1.07	0.99		1.09	1.04
		Commercial Banks			2.61	2.68	2.51		3.28	2.60
		Government Banks 2			3.11	2.78	2.92		3.20	3.12
		Foreign Banks  3			0.12	0.40	0.34		0.38	0.31
		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 foreign banks, excluding 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.
		Based on the data provided by the Department of Supervisory Analytics (DSA) as of 10 April 2025
		Details may not add up to total due to rounding.
		p	preliminary
		Source : Bangko Sentral ng Pilipinas
		Classification: GENERAL