25 PHILIPPINES: TOTAL LOANS (GROSS), LOAN LOSS PROVISIONS AND NON-PERFORMING LOANS 1
BY TYPE OF UNIVERSAL AND COMMERCIAL BANKS
as of periods indicated
in million pesos
                         
                       
2018 2019 2020 Sep
            2020 2021    
Total Loans
Total                9,017,780                9,953,964                 9,919,479                9,736,050              10,039,796
Universal Banks                  6,881,280                7,682,463                  7,711,638                  7,571,968                  7,813,610
Commercial Banks                      345,120                     360,168                     361,005                     372,697                    377,584
Government Banks 2                   1,196,382                  1,305,892                   1,321,295                  1,268,682                  1,345,536
Foreign Banks  3                    594,998                   605,442                      525,541                    522,704                    503,065
Gross Non-Performing Loans 4
Total                       113,518                      156,527                    308,832                    286,877                   400,649
UBs                        84,136                       111,938                   244,609                     224,187                     310,344
KBs                         9,490                       10,996                        17,639                       16,449                        21,364
Gov't 3                        15,559                       28,584                        36,341                        37,253                       61,948
FX Banks  4                          4,332                         5,009                       10,243                         8,988                          6,993
Net Non-Performing Loans 4
Total                      48,459                        71,552                      159,172                      164,225                      213,634
Universal Banks                       37,407                      47,892                      132,936                       131,863                       155,717
Commercial Banks                          3,248                         5,264                         8,286                          8,596                        10,662
Government Banks 2                          6,431                       16,898                        15,979                         19,013                      44,268
Foreign Banks  3                           1,373                          1,499                           1,971                          4,753                          2,987
Loan Loss Provision
Total                     148,339                      170,518                      322,713                      295,195                     358,346
Universal Banks                      104,501                     125,054                    249,524                     230,273                   284,084
Commercial Banks                          11,534                        10,538                       16,026                        14,529                        17,399
Government Banks 2                       22,907                       24,725                       37,925                        33,273                      45,006
Foreign Banks  3                         9,396                        10,201                        19,238                         17,120                         11,857
Ratios (in percent):
Gross NPL/Total Loans
Total                             1.26                             1.57                              3.11                             2.95                            3.99
Universal Banks                              1.22                            1.46                             3.17                            2.96                            3.97
Commercial Banks                             2.75                            3.05                           4.89                            4.41                            5.66
Government Banks 2                             1.30                             2.19                            2.75                            2.94                           4.60
Foreign Banks  3                            0.73                            0.83                             1.95                             1.72                             1.39
Net NPL/Total Loans
Total                           0.54                            0.72                            1.60                             1.69                              2.13
Universal Banks                            0.54                            0.62                             1.72                             1.74                             1.99
Commercial Banks                            0.94                            1.46                            2.30                              2.31                             2.82
Government Banks 2                           0.54                             1.29                              1.21                             1.50                             3.29
Foreign Banks  3                            0.23                            0.25                            0.38                             0.91                            0.59
                         
1 Includes transactions of local banks' foreign offices but excludes banks under liquidation
2 Consists of Land Bank, DBP and Al-Amanah Islamic Bank
3 Consists of 24 foreign banks, excludes 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 to computing gross NPL, banks shall likewise 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. 
 Source :  Department of Supervisory Analytics, Bangko Sentral ng Pilipinas