CONSUMER loans jumped 19 percent to P3.674 trillion as of end-December 2025, with credit card receivables contributing the largest amount, data from the Bangko Sentral ng Pilipinas (BSP) showed.
Of the total consumer loans, credit card receivables account for 32.5 percent, amounting to P1.194 trillion as of end-December 2025.
This is 27.75 percent higher than the P934.65-billion credit card receivables in the same period in 2024.
This was followed by Residential Real Estate Loans, amounting to P1.193 trillion as of end-December 2025, equivalent to 32.47 percent of the total consumer loans.
Loans under this category saw an 8.55-percent increase from the P1.099 trillion in the same period in 2024.
Salary-based general purpose loans
However, the biggest jump in the data was seen in Salary-based general purpose consumption loans.
Loans under this category expanded by 36.88 percent to P536.440 billion as of end-December 2025.
As defined by the BSP, this type of loan refers to “the amortized cost of unsecured loans for a broad range of consumption purposes, granted to individuals mainly on the basis of regular salary, pension or other fixed compensation, where repayment would come from such future cash flows, either through salary deductions, debits from the borrower’s deposit account, mobile payments, pay-through collections, over-the-counter payments or other type of payment arrangement agreed upon by the borrower and lender.”
However, this salary-based general purpose loans only occupy 14.60 percent of the total consumer loans as of end-December 2025.
Another type of loan, Motor Vehicle Loans, saw a 14.38-percent increase to P688.02 billion as of end-December 2025 from the P601.523 billion in the same period in 2024.
Of these motor vehicle loans, 94 percent were auto loans which amounted to P648.82 billion; while 6 percent were motorcycle loans, amounting to P39.20 billion.
Motorcycle loans, as opposed to auto loans, saw a higher growth rate of nearly 23 percent, compared to the 13.9 percent growth rate of auto loans.
Meanwhile, “other consumer loans” amounted to P62.187 billion as of end-December 2025.
Of the P3.674-trillion consumer loans, 81 percent or P2.96-trillion consumer loans flowed through universal banks; 2 percent were loaned out by commercial banks, while 17.28 percent were from thrift banks.
