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25 |
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TOTAL LOANS (GROSS), LOAN LOSS PROVISIONS AND
NON-PERFORMING LOANS (NPL) 1 |
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BY TYPE OF UNIVERSAL AND COMMERCIAL BANKS |
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as of periods indicated |
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in million pesos |
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2021 |
2022 |
2023 r |
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Jan |
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2023 |
2024 p |
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Total Loans |
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Total |
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10,457,131 |
11,802,545 |
12,851,468 |
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11,508,625 |
12,401,871 |
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Universal Banks |
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8,061,050 |
9,260,180 |
9,983,580 |
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8,949,933
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9,905,762 |
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Commercial Banks |
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387,041 |
238,719 |
265,344 |
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250,040 |
144,918 |
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Government Banks 2 |
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1,434,502
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1,748,768
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2,033,648 |
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1,762,591 |
1,841,060
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Foreign Banks 3 |
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574,538 |
554,877 |
568,896
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546,062
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510,130 |
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Gross Non-Performing Loans 4 |
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Total |
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371,645
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336,537 |
379,796
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341,975 |
389,410 |
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Universal Banks |
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290,831 |
233,507 |
251,293 |
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236,161 |
261,532 |
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Commercial Banks |
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19,699 |
13,193 |
14,923 |
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13,231 |
11,208 |
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Government Banks 2 |
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55,054 |
86,737 |
106,941 |
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89,502 |
109,446 |
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Foreign Banks 3 |
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6,061 |
3,099 |
6,639 |
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3,081 |
7,224 |
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Net Non-Performing Loans 4 |
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Total |
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193,439
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154,398 |
172,874 |
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159,742 |
174,169 |
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Universal Banks |
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145,090 |
93,121 |
106,885 |
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97,826 |
111,338 |
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Commercial Banks |
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8,539 |
6,236 |
7,119 |
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6,373 |
4,618 |
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Government Banks 2 |
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37,336 |
54,377 |
56,591 |
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54,884 |
55,610 |
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Foreign Banks 3 |
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2,474 |
664 |
2,280 |
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659 |
2,603 |
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Loan Loss Provision |
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Total |
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344,864 |
382,952 |
408,360 |
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386,133 |
413,175 |
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Universal Banks |
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268,415 |
283,321 |
295,615 |
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286,554 |
302,065
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Commercial Banks |
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17,240 |
11,747 |
13,030 |
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11,667 |
10,230 |
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Government Banks 2 |
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48,367 |
80,693 |
90,838 |
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80,512 |
91,754 |
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Foreign Banks 3 |
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10,842 |
7,191 |
8,877 |
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7,400 |
9,126 |
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Ratios (in percent): |
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Gross NPL/Total Loans |
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Total |
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3.55 |
2.85 |
2.96 |
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2.97 |
3.14 |
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Universal Banks |
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3.61 |
2.52 |
2.52 |
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2.64 |
2.64 |
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Commercial Banks |
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5.09 |
5.53 |
5.62 |
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5.29 |
7.73 |
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Government Banks 2 |
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3.84 |
4.96 |
5.26 |
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5.08 |
5.94 |
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Foreign Banks 3 |
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1.05 |
0.56 |
1.17 |
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0.56 |
1.42 |
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Net NPL/Total Loans |
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Total |
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1.85 |
1.31 |
1.35 |
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1.39 |
1.40 |
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Universal Banks |
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1.80 |
1.01 |
1.07 |
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1.09 |
1.12 |
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Commercial Banks |
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2.21 |
2.61 |
2.68 |
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2.55 |
3.19 |
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Government Banks 2 |
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2.60 |
3.11 |
2.78 |
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3.11 |
3.02 |
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Foreign Banks 3 |
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0.43 |
0.12 |
0.40 |
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0.12 |
0.51 |
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1 |
Include transactions of local banks' foreign
offices but exclude banks under liquidation |
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2 |
Consist of Land Bank of the Philippines,
Development Bank of the Philippines and Al-Amanah Islamic Investment Bank of
the Philippines |
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3 |
Consist of 24 foreign banks, exclude 2 foreign
banks' subsidiaries |
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4 |
Gross NPL represents the actual level of NPL
without any adjustment for loans treated as "loss" and fully
provisioned. As a complementary measure |
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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 |
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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. |
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r |
Revised |
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p |
Preliminary. Based on the data provided by the
Department of Supervisory Analytics (DSA) as of 08 March 2024. |
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Details may not add up to total due to rounding. |
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Source : DSA, Bangko Sentral ng Pilipinas |
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