70			Compliance with Magna Carta for Micro, Small and Medium Enterprises1/
Philippine Banking System
as of end of periods indicated
in billion pesos
							ALL BANKS					UNIVERSAL AND COMMERCIAL BANKS					THRIFT BANKS					RURAL AND COOPERATIVE BANKS					DIGITAL BANKS
							Mar-24 /r	Jun-24	Sep-24	Dec-24		Mar-24 /r	Jun-24	Sep-24	Dec-24		Mar-24 /r	Jun-24	Sep-24	Dec-24		Mar-24 /r	Jun-24	Sep-24	Dec-24		Mar-24 /r	Jun-24	Sep-24	Dec-24
	I. Total Loan Portfolio Net of Exclusions						10,789.918	10,804.738	10,990.76	11,246.92		9,931.743	9,913.247	10,063.96	10,288.92		629.097	658.623	681.28	699.01		211.142	215.075	225.79	234.51		17.94	17.79	19.72	24.48
	II. Minimum Amount Required to be Allocated for:
		A. Micro and Small Enterprises (MSEs) Credit (P (Item 1) x 8%)					863.193	864.379	879.260	899.75		794.539	793.060	805.117	823.11		50.328	52.690	54.50	55.92		16.891	17.206	18.06	18.76		1.43	1.42	1.58	1.96
		B. Medium Enterprises (MEs) Credit (P (Item 1) x 2%)					215.798	216.095	219.815	224.94		198.635	198.265	201.279	205.78		12.582	13.172	13.63	13.98		4.223	4.302	4.52	4.69		0.36	0.36	0.39	0.49
	III. Compliance with Prescribed Allocation of Loan Portfolio to:
		A. Micro and Small Enterprises
		1. Total eligible investment for MSEs					191.458	196.834	204.886	217.12		122.523	123.915	127.083	138.07		30.263	34.510	36.69	37.70		38.490	38.157	40.70	40.91		0.18	0.25	0.41	0.44
			a. Direct compliance for MSEs				191.451	196.828	204.880	217.11		122.523	123.915	127.083	138.07		30.261	34.508	36.69	37.69		38.485	38.153	40.69	40.91		0.18	0.25	0.41	0.44
			b. Alternative compliance for MSEs				0.007	0.007	0.005	0.00		0.000	0.000	0.000	-		0.002	0.002	0.00	0.00		0.005	0.005	0.00	0.00		0.00	0.00	0.00	-
		2. Excess/(Deficiency) (III.A.1 - II.A)					(671.735)	(667.545)	(674.375)	(682.64)		(672.016)	(669.145)	(678.034)	(685.05)		(20.065)	(18.179)	(17.81)	(18.23)		21.598	20.951	22.64	22.15		(1.25)	(1.17)	(1.17)	(1.51)
		3. Excess compliance of a bank/s used by another bank/s					0.000	0.000	0.000	-		9.910	10.180	12.352	12.53		(8.884)	(9.906)	(10.89)	(10.89)		(1.026)	(0.274)	(1.46)	(1.63)		0.00		0.00
		4. Total compliance for MSEs (III.A.1 + III.A.3)					191.458	196.834	204.886	217.12		132.433	134.095	139.436	150.59		21.379	24.604	25.80	26.80		37.463	37.884	39.24	39.27		0.18	0.25	0.41	0.44
		5. Percentage of compliance for MSEs ([III.A.4/I] x 100)					1.77	1.82	1.86	1.93		1.33	1.35	1.385	1.46		3.40	3.74	3.79	3.83		17.74	17.61	17.38	16.75		1.02	1.41	2.08	1.82
		B. Medium Enterprises
		1. Total eligible investment for MEs					283.659	291.296	295.923	329.10		235.213	236.066	240.700	270.70		28.811	35.280	35.18	37.64		19.622	19.923	20.00	20.71		0.01	0.03	0.04	0.05
			a. Direct compliance for MEs				283.658	291.295	295.921	329.10		235.213	236.066	240.700	270.70		28.811	35.280	35.18	37.64		19.620	19.921	20.00	20.71		0.01	0.03	0.04	0.05
			b. Alternative compliance for MEs				0.002	0.001	0.001	0.00		0.000	0.000	0.000	-		0.000	0.000	0.00	-		0.002	0.001	0.00	0.00		0.00	0.00	0.00	-
		2. Excess/(Deficiency) (III.B.1 - II.B)					67.861	75.201	76.108	104.17		36.579	37.801	39.421	64.92		16.229	22.107	21.56	23.66		15.399	15.621	15.48	16.02		(0.35)	(0.33)	(0.35)	(0.44)
		3. Excess compliance of a bank/s used by another bank/s					0.000	0.000	0.000	0.00		(0.160)	(0.252)	(0.388)	(0.38)		0.160	0.252	0.39	0.38		0.000	0.000	0.00	-		0.00		0.00
		4. Total compliance for MEs (III.B.1 + III.B.3)					283.659	291.296	295.923	329.10		235.053	235.814	240.311	270.31		28.971	35.532	35.57	38.03		19.622	19.923	20.00	20.71		0.01	0.03	0.04	0.05
		5. Percentage of compliance for MEs ([III.B.4/I] x 100)					2.63	2.70	2.69	2.93		2.37	2.38	2.39	2.63		4.61	5.39	5.22	5.440		9.29	9.26	8.86	8.83		0.07	0.16	0.22	0.21
	1/ Republic Act No 6977 (as amended by RA Nos. 8289 and 9501)
	Note: Details may not add up to totals due to rounding-off
	Source : Department of Supervisory Analytics, Financial Supervision Sector
	Updated as of 19 February 2025