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		April
									2024	2025 p
		Total Loans
		Total			11,802,545	12,851,468	14,202,338		12,889,268	14,174,258
		Universal Banks			9,260,180	9,983,580	11,331,688		10,305,410	11,500,338
		Commercial Banks			238,719	265,344	150,163		139,741	146,127
		Government Banks 2			1,748,768	2,033,648	2,158,758		1,836,194	1,924,254
		Foreign Banks  3			554,877	568,896	561,728		607,922	603,538
		Gross Non-Performing Loans 4
		Total			336,537	379,796	424,675		405,488	439,034
		Universal Banks			233,507	251,293	274,478		265,690	285,424
		Commercial Banks			13,193	14,923	11,186		11,427	10,558
		Government Banks 2			86,737	106,941	132,351		121,902	136,448
		Foreign Banks  3			3,099	6,639	6,660		6,469	6,604
		Net Non-Performing Loans 4
		Total			154,398	172,874	180,505		181,909	185,382
		Universal Banks			93,121	106,885	111,866		108,399	118,188
		Commercial Banks			6,236	7,119	3,772		4,682	3,482
		Government Banks 2			54,377	56,591	62,948		66,992	61,849
		Foreign Banks  3			664	2,280	1,918		1,836	1,863
		Loan Loss Provisions
		Total			382,952	408,360	429,909		420,730	438,019
		Universal Banks			283,321	295,615	301,401		304,838	306,232
		Commercial Banks			11,747	13,030	11,108		10,465	11,009
		Government Banks 2			80,693	90,838	107,537		95,778	110,917
		Foreign Banks  3			7,191	8,877	9,864		9,650	9,860
		Ratios (in percent):
		Gross NPL/Total Loans
		Total			2.85	2.96	2.99		3.15	3.10
		Universal Banks			2.52	2.52	2.42		2.58	2.48
		Commercial Banks			5.53	5.62	7.45		8.18	7.23
		Government Banks 2			4.96	5.26	6.13		6.64	7.09
		Foreign Banks  3			0.56	1.17	1.19		1.06	1.09
		Net NPL/Total Loans
		Total			1.31	1.35	1.27		1.41	1.31
		Universal Banks			1.01	1.07	0.99		1.05	1.03
		Commercial Banks			2.61	2.68	2.51		3.35	2.38
		Government Banks 2			3.11	2.78	2.92		3.65	3.21
		Foreign Banks  3			0.12	0.40	0.34		0.30	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 05 June 2025
		Details may not add up to total due to rounding.
		p	preliminary
		Source : Bangko Sentral ng Pilipinas
		Classification: GENERAL