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 r Jan
            2023 2024 p  
Total Loans
Total         10,457,131       11,802,545       12,851,468       11,508,625        12,401,871
Universal Banks         8,061,050         9,260,180         9,983,580          8,949,933         9,905,762
Commercial Banks              387,041              238,719             265,344           250,040              144,918
Government Banks 2          1,434,502          1,748,768         2,033,648           1,762,591          1,841,060
Foreign Banks  3             574,538             554,877            568,896            546,062              510,130
Gross Non-Performing Loans 4
Total             371,645             336,537            379,796             341,975             389,410
Universal Banks              290,831             233,507              251,293               236,161              261,532
Commercial Banks                 19,699                 13,193                14,923                 13,231                11,208
Government Banks 2               55,054               86,737              106,941               89,502             109,446
Foreign Banks  3                  6,061                  3,099                  6,639                  3,081                  7,224
Net Non-Performing Loans 4
Total             193,439             154,398             172,874             159,742              174,169
Universal Banks              145,090                 93,121             106,885               97,826               111,338
Commercial Banks                   8,539                  6,236                   7,119                  6,373                  4,618
Government Banks 2                37,336                54,377                56,591               54,884                55,610
Foreign Banks  3                  2,474                     664                 2,280                     659                  2,603
Loan Loss Provision
Total            344,864             382,952           408,360              386,133              413,175
Universal Banks              268,415              283,321              295,615             286,554            302,065
Commercial Banks                 17,240                 11,747                13,030                 11,667               10,230
Government Banks 2               48,367               80,693               90,838               80,512                91,754
Foreign Banks  3               10,842                   7,191                 8,877                 7,400                   9,126
Ratios (in percent):
Gross NPL/Total Loans
Total                     3.55                    2.85                    2.96                    2.97                     3.14
Universal Banks                      3.61                    2.52                    2.52                    2.64                    2.64
Commercial Banks                     5.09                     5.53                    5.62                    5.29                     7.73
Government Banks 2                    3.84                    4.96                    5.26                    5.08                    5.94
Foreign Banks  3                     1.05                    0.56                      1.17                    0.56                     1.42
Net NPL/Total Loans
Total                     1.85                      1.31                     1.35                     1.39                    1.40
Universal Banks                     1.80                     1.01                     1.07                     1.09                      1.12
Commercial Banks                      2.21                     2.61                    2.68                    2.55                     3.19
Government Banks 2                    2.60                      3.11                    2.78                      3.11                    3.02
Foreign Banks  3                    0.43                     0.12                   0.40                     0.12                     0.51
                       
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. 
r Revised
p Preliminary. Based on the data provided by the Department of Supervisory Analytics (DSA) as of 08 March 2024.
Details may not add up to total due to rounding.
Source : DSA, Bangko Sentral ng Pilipinas