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		May
									2023	2024 p
		Total Loans
		Total			10,457,131	11,802,545	12,851,468		11,717,916	12,857,045
		Universal Banks			8,061,050	9,260,180	9,983,580		9,242,489	10,262,338
		Commercial Banks			387,041	238,719	265,344		244,957	145,542
		Government Banks 2			1,434,502	1,748,768	2,033,648		1,703,782	1,812,570
		Foreign Banks  3			574,538	554,877	568,896		526,689	636,595
		Gross Non-Performing Loans 4
		Total			371,645	336,537	379,796		370,062	418,564
		Universal Banks			290,831	233,507	251,293		247,616	269,784
		Commercial Banks			19,699	13,193	14,923		14,313	11,420
		Government Banks 2			55,054	86,737	106,941		104,271	130,880
		Foreign Banks  3			6,061	3,099	6,639		3,862	6,480
		Net Non-Performing Loans 4
		Total			193,439	154,398	172,874		171,814	187,618
		Universal Banks			145,090	93,121	106,885		98,133	110,185
		Commercial Banks			8,539	6,236	7,119		6,733	4,718
		Government Banks 2			37,336	54,377	56,591		65,898	70,893
		Foreign Banks  3			2,474	664	2,280		1,049	1,823
		Loan Loss Provision
		Total			344,864	382,952	408,360		398,730	423,202
		Universal Banks			268,415	283,321	295,615		295,230	306,029
		Commercial Banks			17,240	11,747	13,030		12,156	10,470
		Government Banks 2			48,367	80,693	90,838		83,601	96,991
		Foreign Banks  3			10,842	7,191	8,877		7,743	9,712
		Ratios (in percent):
		Gross NPL/Total Loans
		Total			3.55	2.85	2.96		3.16	3.26
		Universal Banks			3.61	2.52	2.52		2.68	2.63
		Commercial Banks			5.09	5.53	5.62		5.84	7.85
		Government Banks 2			3.84	4.96	5.26		6.12	7.22
		Foreign Banks  3			1.05	0.56	1.17		0.73	1.02
		Net NPL/Total Loans
		Total			1.85	1.31	1.35		1.47	1.46
		Universal Banks			1.80	1.01	1.07		1.06	1.07
		Commercial Banks			2.21	2.61	2.68		2.75	3.24
		Government Banks 2			2.60	3.11	2.78		3.87	3.91
		Foreign Banks  3			0.43	0.12	0.40		0.20	0.29
		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 July 2024
			Details may not add up to total due to rounding.
			Source : DSA, Bangko Sentral ng Pilipinas