Beyond the Numbers

For welfare and development, Geography matters!


Banks clearly play a vital role in the regional economy since they serve as the major sources of funds for economic production activities and for the consumption of goods and services. We will need to improve our savings rate. So if you have extra funds, deposit them in banks. In so doing, you will not only make your money grow. You will become one of the unsung heroes in your region’s economic development efforts.

Beyond the Numbers
“Money Money Money Always Sunny
in the Region’s World!”

by Jose Ramon G. Albert, Ph.D.1                                              Filipino Version
(Posted: 08 November 2013)

Do you live in Cagayan Valley (Region II), Eastern Visayas (Region VIII), Davao Region (Region XI) or other areas outside the National Capital Region (NCR) and wonder how much money is within reach in your locale? Do you need money to start a new business or expand an existing one? Do you need money to purchase a house and/or lot, buy a vehicle or finance medical, educational and other personal needs of your family?  Do you worry that money may just run out?  Actually, there is enough money in the banks in your region. You only need to access them. 

Based on data from the Bangko Sentral ng Pilipinas (BSP), as of December 2012, the Philippines had a total number of 9,375 banks scattered across the 17 regions of the country. About a third (68.1% comprising 6,382 banks) were located outside NCR, of which 2,710 (42.5 percent) are universal and commercial banks, 2,568 (40.2 percent) are rural and cooperative banks, and the remaining 1,104 (17.3 percent) are thrift banks.

Among the types of banks, universal and commercial banks offer the widest variety of banking services among financial institutions. In addition to the function of an ordinary commercial bank, universal banks are also authorized to engage in underwriting and other functions of investment houses, and to invest in equities of non-allied undertakings. On the other hand, rural and cooperative banks provide the people in the rural communities with basic financial services. Rural and cooperative banks help farmers through the stages of production, from buying seedlings to marketing of their produce.

Meanwhile, thrift banks which are composed of savings and mortgage banks, private development banks, stock savings and loan associations and microfinance thrift banks are engaged in accumulating savings of depositors and investing them. They also provide short-term working capital and medium- and long-term financing to businesses engaged in agriculture, services, industry and housing, and diversified financial and allied services, and to their chosen markets and constituencies, especially small- and medium- enterprises and individuals.

Regional Distribution of Banks and the Resilience of the PH Banking System

  • About three fifths (58.7 %) of banks outside NCR are located in the remaining seven regions of Luzon (Cordillera Administrative Region (CAR), Regions I, II, III, IVA, IVB and V). Next to NCR with 2,993 banks, CALABARZON (Region IVA) had the most number of banks in 2012 at 1,406, followed by Central Luzon (Region III) with 975 banks. (Table 1)

  • One in five (21.1 %) banks were located in the three regions (Regions VI, VII and VIII) of Visayas with Central Visayas (Region VII) having the most number of banks at 627, followed by Western Visayas (Region VI) with 543 banks. (Table 1)

  • The remaining one in five (20.2 %) banks were situated in the six regions of Mindanao (Regions IX, X, XI, XII, XIII and Autonomous Region for Muslim Mindanao (ARMM)) with Davao Region (Region XI) and Northern Mindanao (Region X) having the most number of banks at 355 and 328 banks, respectively. The lowest number of banks registered is at ARMM, which had only 20 banks in 2012. (Table 1)

Banks are scattered across the different regions of the country, although the distribution is not uniform, and appears more concentrated in NCR and neighboring regions. Still, there is no reason for you not to access your banks for your financial needs if you decide to go for vacations outside your locale.  The whole banking system is very stable.

In the recently conducted Twelfth National Convention on Statistics, I organized a Session on Econometrics, which featured several thought provoking papers. One of them was a paper based on an undergraduate thesis of Economics students from De La Salle University that examined financial stability indicators and found the whole PH banking system2 rather resilient. These results follow some work that I undertook with Thiam Hee Ng of the Asian Development Bank, prior to my appointment to head the National Statistical Coordination Board, that similarly found the PH banking system resilient to a number of possible shocks.  This study was released3 at the PH Institute for Development Studies as a Discussion Paper.

Out of the PhP 5,672.8 billion worth of deposits4 in all banks in the country, only 32.2 percent are in banks outside NCR

In 2012, the BSP reports that total deposits in banks amounted to PhP 5,672.8 billion. Of this, PhP 3,843.8 billion were in NCR banks while PhP 1,829.0 billion were in banks outside NCR. It was noted that the total deposits in banks outside NCR had been continuously increasing at an annual average of 12.8 percent - from PhP 797.6 billion in 2003 to PhP 1,829.0 billion in 2012 (Figure 1).  This figure, however, represents only 32.2 percent of the country’s total deposits in 2012. This means that while about seven out of ten banks were found in regions outside NCR, the total deposits of these banks was only about one-half of the total deposits of banks in NCR. 

Regional Distribution of Deposits

  • The total deposits of banks in regions in Luzon (except NCR) represented more than one-half (54.3 percent or PhP 993.2 billion) of the total deposits outside NCR in 2012, with CALABARZON (Region IVA), contributing the highest at 21.4 percent (PhP 392.2 billion), followed by Central Luzon (Region III) at 15.1 percent (PhP 276.9 billion). (Table 2)

  • The banks in the three Visayas regions accounted for 26.8 percent (PhP 489.9 billion) of the total deposits outside NCR with Central Visayas (Region VII) sharing the highest at 15.4 percent (PhP 280.8 billion), followed by Western Visayas (Region VI) at 8.8 percent (PhP 160.1 billion). (Table 2)

  • The remaining 18.9 percent of the total deposits were in banks in Mindanao regions, with Davao Region (Region XI) posting the highest deposits at 6.0 percent (PhP 109.0 billion), followed by Northern Mindanao (Region X) at  4.6 percent (PhP 84.6 billion). (Table 2)

Noticeably, the regions in Luzon, Visayas and Mindanao with the highest number of banks were also the regions with the highest deposits in 2012. Similarly, ARMM, with the lowest number of banks, recorded also the lowest deposits in 2012 at PhP 5.5 billion which is only 0.3 percent of the total deposits outside NCR.   

Except for Ilocos Region (Region I) and ARMM which recorded the lowest average increase in deposits during the period 2003 to 2012 at 9.2 percent and 9.3 percent, respectively, the average annual increase in deposits in all the regions outside NCR for the past 10 years were all double-digit. Caraga (Region XIII) recorded the fastest growth at 19.5 percent while Cagayan Valley (Region II) and MIMAROPA (Region IVB) closely followed with 18.7 percent and 18.6 percent growth rates, respectively.  

Annual interest rates of loans in banks nationwide can be as low as 0.25  percent.

As of October 2013, BSP data5 show that the average annual interest rates of banks for loans ranged from as low as 1.7 percent to 67.9 percent for short-term loans, from 0.25 percent to 47.0 percent for medium-term loans, and from 1.2 percent to 28.9 percent for long-term loans. Short-term loans have maturity period of one year and below while medium-term loans have maturity period of more than one year to five years. Long-term loans, on the other hand, have maturity period of more than five years.  Some banks charge lower interest rates on medium and long-term loans compared to short-term loans because the former are secured by collaterals.

Bank customers can avail of various loan packages, and surely, customer relations officers of banks nearest your area will readily provide you any assistance in choosing the best loans you are qualified to avail of.

Out of the PhP 3,601.4 billion loan portfolio of all banks in the country, only 13.8 percent are availed in banks outside NCR

Banks have long been recognized as sources of funds, particularly where one can obtain or avail of loans. According to BSP data, the loan portfolio of the banks totalled to PhP 3,601.4 billion in 2012 of which PhP 3,105.4 billion were in banks in NCR and PhP 496.0 billion in banks outside NCR. The amount of loan portfolio in banks outside NCR continued to increase although at a slower rate at an annual average of 11.1 percent: from PhP235.3 billion in 2003 to PhP 496.0 billion in 2012 (Figure 1). The 2012 figure, however, is only 13.8 percent of the country’s total loan portfolio.  

Regional Distribution of Loan Portfolio

  • Almost one half (48.8 percent or PhP 242.2 billion) of the P 496.0 billion loans outside NCR came from Luzon regions with CALABARZON (Region IVA) recording the highest share at 16.4 percent (PhP 81.2 billion), followed by Central Luzon (Region III) at 15.2 percent (PhP 75.5 billion). (Table 3)

  • The Visayas regions accounted for 28.5 percent (PhP 141.2 billion) of the total loan portfolio with Central Visayas (Region VII) having the largest share at 17.4 percent (PhP 86.3 billion). Western Visayas (Region VI) followed but its loan portfolio (PhP 41.0 billion) is only about one-half of Region VII’s. (Table 3)

  • The Mindanao regions, with the lowest deposits, had also the lowest share to the total loan portfolio at 22.7 percent (PhP 112.6 billion). Davao Region (Region XI)  recorded the highest loan portfolio at 7.5 percent (PhP 37.4 billion), followed by Northern Mindanao (Region X)  with a 5.6 percent share (PhP 27.6 billion). (Table 3

The regions with the highest loan portfolio were also the regions with the highest deposits in all the major island groups.  Like deposits, ARMM recorded also the lowest amount of loan portfolio at PhP 0.9 billion which is only 0.2 percent of the total loan portfolio of regions outside NCR.

Access of funds during the period 2003 to 2012 varied across the regions. Out of the 16 regions outside NCR, only six posted faster growth in their loan portfolio than their deposits, namely: CAR, Regions II, IVA, VI, VIII and IX. CAR recorded the fastest growth at 18.8 percent, followed by Region VIII at 16.9 percent.  ARMM registered the lowest growth rate at 3.8 percent.

Out of the total deposits of banks outside NCR, only 24.9 percent are utilized for loans

However, while availment of loans continued to increase in the past 10 years, if we compare the amount of loans availed against the total deposits of the banks through the loan to deposit ratio (LDR), we will arrive at low figures (Table 4). The average LDR in regions outside NCR during the period 2003 to 2012 was recorded at only 24.9 percent which is 56.5 percentage points lower than the 81.4 percent average LDR recorded in NCR. 

Unexpectedly, the Mindanao regions which had the lowest deposits recorded the highest average LDR at 31.4 percent during the period 2003 to 2012. On the other hand, regions in the Visayas registered an average LDR of 24.6 percent while Luzon regions outside NCR posted the lowest LDR at 22.8 percent.  During the ten year period, in general, Mindanao had higher annual LDRs than the two island groups while Luzon had generally lower annual LDRs than Visayas (Figure 2). These figures show, or that either banks in Luzon may not be as receptive to providing loans to their customers as those in Visayas and Mindanao, or that residents from Luzon are not as risk takers as those from Mindanao and Visayas, or that Luzon residents do not have as much need for loans as their counterparts in Visayas and Mindanao.

Meanwhile, the low LDRs in Luzon, Visayas and Mindanao suggest that a lot of money was available for loans in these regions during the past ten years. The banks are required to keep some amount as their reserves but definitely, available funds for loans were not exhausted as evidenced by the low LDRs in areas outside NCR.  

Among the 16 regions outside NCR, ten regions posted LDR higher than the average LDR during the period 2003 to 2012 (4 from Luzon, 2 from Visayas and 4 from Mindanao) (Table 4). Northern Mindanao (Region X) posted the highest average LDR at 36.8 percent while Caraga (Region XIII) closely followed at 36.2 percent.  However, while Northern Mindanao posted the highest average LDR, its 2012 LDR of 32.7 percent is lower by 14.0 percentage points than its 46.7 LDR in 2003.  Similarly, the 29.1 percent LDR of Caraga in 2012, is actually lower by 20.0 percentage points than its 49.1 LDR in 2003. Ten regions outside NCR had actually lower LDR in 2012 than in 2003. (Table 4). 

Meanwhile, while CAR registered the fastest growing loan portfolio, the volume of its loan portfolio was low compared to its deposits that it recorded the lowest average LDR at 12.7 percent. While CALABARZON (Region IVA) recorded the highest deposits and loan portfolio among all regions outside NCR, it recorded the 3rd lowest LDR at 18.7 percent. (Table 4).

The low and decreasing LDRs in the regions outside NCR is one concern that could be addressed to help steer economic development and inclusive growth in these areas. One of my very good friends from India suggests that the PH banking system may need to be forced to increase its loans, especially for young entrepreneurs (similar to the Indian banking system which he said gives at least 8 percent of its deposits to loans for such entrepreneurs) to spur the growth of entrepreneurship, as well as micro and small establishments.   Assuming that banks could allot 5.0 percent of their deposits to loans, there would be PhP41.9 billion available for loans but not availed in all regions outside NCR (PhP 25.4 billion in Luzon, PhP 10.4 billion in Visayas and PhP 6.0 billion in Mindanao).  The circulation of additional PhP 41.9 billion among entrepreneurs in these regions will go a long way in the development of the regional economies outside NCR. 

Banks clearly play a vital role in the regional economy since they serve as the major sources of funds for economic production activities and for the consumption of goods and services. We will need to improve our savings rate. So if you have extra funds, deposit them in banks.  In so doing, you will not only make your money grow. You will become one of the unsung heroes in your region’s economic development efforts. The data below on the region’s economic performance as measured thru the Gross Regional Domestic Expenditure (GRDE) estimated by the NSCB Technical Staff, will show the significant relationship between deposits and LDR and economic performance. GRDE estimates were limited to the period 2010-2012 due to the absence of comparable 10-year GRDE data because of the revision and rebasing of the GRDE starting in 2010.

Regions with higher amounts of bank deposits, have higher economic outputs also

Using 2010-2012 data, the top seven regions outside NCR with the highest average rank in deposits (from highest to lowest: Regions IVA, VII, III, VI, XI, I and X) were also the top seven regions with the highest GRDE (from highest to lowest: Regions IVA, III, VII, VI, XI, X and I) (Table 5). CALABARZON (Region IVA) was consistent as the top region for both indicators.

The bottom three regions with the lowest average rank in terms of deposits (from lowest to highest: ARMM, IVB and XIII) were also the bottom three regions with lowest GRDE (from lowest to highest: ARMMM, XIII and IVB) (Table 5). ARMM was consistent in its rank as lowest region in terms of deposits and GRDE.

Regions with higher deposits have higher household final consumption expenditures (HFCE)

CALABARZON (Region IVA), which was ranked 1st, on the average, in terms of deposits during the period 2010-2012, was also the top region with the highest per capita household final consumption expenditure (HFCE).  Moreover, Central Visayas (Region VII) and Central Luzon (Region III), which ranked 2nd and 3rd in terms of deposits were also 5th and 2nd highest, respectively, in terms of per capita HFCE. (Table 6)  It is likely that people in these regions have the highest HFCE since they have rather high incomes, and their savings are also higher than those belonging to other parts of income distribution. They deposit their money for future household expenditures or perhaps the money kept by depositors in banks were also accessed by borrowers to smooth their household consumptions. Either way, we expect that these regions to have more progress since they have enough supply of money which could be tapped for household consumption expenditures, which, together with investments, fuel economic growth.  

Regions with higher loan to deposit ratio have higher economic growth rate

Comparing the LDR and the growth of the GRDE during the period 2010-2012, the following interesting results were noted:

  • Caraga (Region XIII) which recorded the highest LDR at 43.5 percent in 2011 among all regions outside NCR posted the highest GRDE growth rate in 2011 at 8.5 percent;

  • Three bottom regions in terms of LDR in 2011 (ARMM – 16.3 percent, IVA - 19.2 percent and CAR - 20.6 percent) were among the bottom regions in terms of GRDE growth rate (ARMMM – negative 0.3 percent, CAR – 1.3 percent, and IVA – 1.7 percent).

  • Two bottom regions in terms of LDR in 2012 (CAR – 16.8 percent and ARMM – 17.2 percent) were among the bottom regions in terms of GRDE growth rate (CAR – 1.0 percent, ARMM – 1.2 percent).       

The above observations tend to show that higher LDRs will result to higher economic growth. With higher LDRs, we would have more investments which would increase both production activities and consumption expenditures resulting to expansion of the economy.  Investments are known to be the key to sustaining economic growth. While there are other factors that could push the economic growth of the regional economies, utilization of existing available funds cannot be ignored.

Motion Chart

The statistics discussed here suggest that availability of funds for investment purposes is not an issue in the regions. What is crucial is providing information to Filipinos on how these funds could be accessed and utilized. The banking sector plays a critical role in the economy. People across the regions, however, would also need to expand investments, take risks in putting up a business or expand their existing businesses, and tap the available financial resources in the banking sector. 

Not many Filipinos are born entrepreneurs, and it seems we are more trained to become employees, not employers, especially those in the countryside.   It will be important for us to capitalize on the emerging economic gains. The higher education and tech voch sectors will need to ensure that Filipinos are trained to become more entrepreneurial.  Industry and trade sectors will also need to provide advocacy support, and local government units (LGUs) as well as the national government, will need to provide the appropriate business environment that will attract more Filipinos to invest and become entrepreneurial. And, of course, the banking sector will need to be more aggressive in making loans accessible, of course, with the appropriate rules to ensure that these loans are paid.   

As we celebrate this November the National Values Month in consonance with Proclamation No. 479 dated October 7, 1994 with the objective of: 1) creating a moral awakening and national consciousness on human values that are unique, genuine, and positively Filipino; 2) making the Filipino aware of his important role and responsibility in shaping his own destiny and that of his community and country; and 3) highlighting the practical uses of Filipino values in the people’s daily life as citizens and make them realize the immense power that these values have in achieving their individual and national goals, let us support the celebration for the realization of its noble objectives by continuing to practice good Filipino values such as saving and investing for our future. 

When we deposit our extra money in the banking system, we are not only preparing for our own future but also that of our own families, and that of our communities. So as we are about to receive our year-end bonuses starting this month, let us think ten times how to utilize them wisely.

Happy National Filipino Values Month!      

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Filipino Version


 “Pera! Pera! Pera Sa Mga Region! Pag May Time

by Jose Ramon G. Albert, Ph.D.1

Nakatira ba kayo sa Cagayan Valley (Region 2), sa Eastern Visayas (Region 8) o sa Davao Region (9) o sa iba pang mga lugar sa labas ng National Capital Region (NCR)?  Napagtanto ninyo ba kung gaano karaming pera na abot kamay lang ang nasa inyong lugar?  Kailangan ninyo ba ng pera para magsimula ng bagong negosyo o palakihin pa ang inyong negosyo? Kailangan ninyo ba ng pera para makabili ng bahay at/o lupa o, makakuha ng sasakyan o di kaya’y para matustusan ang mga pangangailangang pangkalusugan, pang-edukasyon, at iba pang personal na pangangailangan ng iyong pamilya? Natatakot ka ba na baka magkaubusan ng salapi?  Sa katunayan, mayroong sapat na pera sa mga bangko sa inyong mga rehiyon at marapat lang na lubusin ang gamit nito.

Batay sa mga datos noong Disyembre 2012 ng Bangko Sentral ng Pilipinas (BSP), tinatayang 9,375 ang bilang ng mga bangkong nangalat sa labimpitong rehiyon ng Pilipinas.  Halos sangkatlo (6,382 o 68.1%) nito ay matatagpuan sa mga rehiyon sa labas ng NCR.  Sa nasabing bilang, 2,710 (42.5%) ay universal at commercial banks, 2,568 (40.2%) ay rural at cooperative banks, at 1,104 (17.3%)  ay thrift banks.

Sa lahat ng institusyong pampinansyal, ang universal and commercial banks ang itinuturing na may pinakamaraming uri ng mga banking services.  Bukod sa karaniwang katangian ng isang bangkong pangkomersyo, malimit na lumalahok ang universal banks sa underwriting at iba pang gawain ng investment houses.  Naglalagak din ng salapi sa equities ng non-allied undertakings.  Samantala, ang mga rural and cooperative banks naman ay nagbibigay ng mga batayang serbisyong pinansyal sa mga rural na komunidad.  Isa sa mga gawain nito ang magpautang sa mga magsasaka ng salapi para sa pagbili ng mga punla at pagbenta ng ani.

Binubuo ang thrift banks ng mga sumusunod: savings at mortgage banks, private development banks, stock savings at loan associations at microfinance thrift banks.  Pangungahin sa gawain nito ang pagiging ingat-yaman ng salapi ng mga nag-iimpok sa bangko at palaguhin ito sa pamamagitan ng iba’t ibang uri ng investments.  Nagpapautang din ang thrift banks sa mga negosyong may kaugnayan sa agrikultura, serbisyo, industriya, at pabahay, at diversified financial and allied services at sa mga napiling merkado at organisasyon, lalo na sa mga small- and medium-enterprises and individuals.

Ang Pagkakalat ng mga Bangko sa mga Rehiyon at ang Katatagan ng Sistema ng Pagbabangko ng Pilipinas

  • Halos tatlo sa limang bahagi (58.7%) ng mga bangkong matatagpuan sa labas ng NCR ang may operasyon sa pitong rehiyon ng Luzon (Cordillera Administrative Region, at Regions I, II, III, IVA, IVB, at V).  Noong 2012, ang NCR, CALABARZON (Region IVA), at Gitnang Luzon (Region III) ang tatlong may pinakamaraming bilang ng mga bangko: 2,933, 1,406, at 975 (Table 1).

  • Isa sa bawat limang (21.1%) bangko ay matatagpuan sa tatlong rehiyon ng kabisayaan na kung saan ang Central Visayas ay ang may pinakamaraming bilang na 627.  Sinundan ito ng Western Visayas na mayroong 543 bangko.

  • Sa anim na rehiyon sa Mindanao matatagpuan ang nalalabing 20.2% ng mga bangko sa bansa.  Ang rehiyon ng Davao (Region 9) at Northern Mindanao (Region 10) ang may pinakaraming bilang ng bangko: 355 at 328.  Naitala ang pinakamababang bilang sa ARMM na mayroon lamang 20 bangko.

Nangalat ang mga banko sa iba’t ibang rehiyon ng bansa, di nga lamang pantay ang bilang nito sa mga rehiyon at tila baga mas nakararami ang nasa NCR at mga rehiyong malapit dito. Ganumpaman, wala kayong dahilan para pakinabangan ang mga serbisyon inaalok ng mga bangko para tustusan ang inyong gastusin sa pagbabakasyon sa labas o loob man ng bansa.  Ang pangkalahatang sistema ng pagbabangko sa Pilipinas ay matatag.

Sa katatapos lamang na ika-12 Pambansang Kumbesyon sa Estadistika, pinangunahan ko ang sesyon sa Econometrics.  Sa nasabing sesyon, isa sa mga itinampok na papel ay hango sa thesis ng mga mag-aaral ng Economics sa Pamantasan ng De La Salle, kung saan sinuri ang financial stability indicators at napagtanto na ang sistemang ng pagbabangko2 ng bansa ang maituturing na resilient.  Ito ay umaalingawngaw sa mga nilalaman ng papel na aking ginawa kasama si Thiam Hee Ng ng Asian Development Bank.  Ang nasabing papel ay inilathala3 ng PH Institute for Development Studies bilang isang discussion paper.

Sa PhP 5,672.8 bilyong ng mga deposito4 sa lahat ng bangko sa bansa, 32.2 porsyento lamang ang napapakinabangan ng mga bangko sa labas ng NCR.

Iniulat ng BSP na umabot sa PhP 5,672.8 bilyon ang halaga ng salaping nakalagak sa mga bangko sa buong bansa noong 2012.  Sa halagang nabanggit, PhP 3,843.8 bilyon ang nakaimpok sa mga bangko sa NCR habang Php 1,829.0 bilyon naman ang nasa iba pang rehiyon.  Naitala na ang halaga ng mga kabuuang deposito sa mga bangko sa labas ng NCR ay patuloy na tumataas sa kararaniwang taunang tantos 12.8 porsyento - PhP 797.6 bilyon noong 2003 patungong PhP 1,829.0 bilyon noong 2012.  Sa kabila nito, ang nasabing bilang ay 32.2% lamang ng kabuuang halaga ng mga deposito sa bansa noong 2012.  Ibig sabihin, habang pito sa bawat sampung bangko ay matatagpuan sa labas ng NCR, halos kalahati lamang ng kabuuang deposito ang nakaimpok sa mga ito.

Ang mga Depositong Pera na nasa mga Rehiyon 

  • Noong 2012, higit sa kalahati (54.3% o PhP 993.2 bilyon) ng kabuuang halaga ng deposito sa labas ng NCR ang nakaimpok sa mga bangko sa Luzon.  Naitala ang pinakamataas na deposito sa mga bangko ay nasa CALABARZON (Region 4A) (21.4% o PhP 392.2 bilyon).  Sinundan ito ng Central Luzon (Region 3) na may 15.1% o PhP 276.9 bilyon. (Table 2)

  • Isang kapat (26.8%)  ng kabuuang halaga ng deposito sa labas ng NCR na nagkakahalagang Php 489.9 bilyon ang nakaimpok naman sa mga bangko sa Visayas.  Naitala ang pinakamataas na halaga ng deposito sa mga bangko sa Central Visayas (Region VIII) (15.4% o PhP 280.8 bilyon).  Sinundan ito ng Western Visayas (Region VI) na mayroong 8.8% o PhP 160.1 bilyon. (Table 2)

  • Ang nalalabing 18.9% ng kabuuang halaga ng deposito sa labas ng NCR ay nakaimpok sa mga bangko sa Mindanao kung saan ang mga bangko sa Davao ang naitalang may pinakamataas na halaga ng deposito (6.0% o PhP 109.0 bilyon).  Sa Northern Mindanao (Region X) naitala ang pangalawang pinakamataas: 4.6% o PhP 84.6 bilyon).

Kapansin-pansin na noong 2012, ang mga rehiyon sa Luzon, Visayas, at Mindanao na may pinakamaraming bilang ng mga bangko ang siya ring may pinakamatataas na halaga ng deposito.   Gayundin, ang ARMM ang pinakamababa sa parehong kategorya kung saan ang halaga ng deposito sa mga bangko dito ay umaabot lamang sa 0.3% (o Php 5.5 bilyon).

Kung ililiban ang rehiyong Iloko (Region I) at ARMM na may pinakamabababang mga antas ng pag-akyat sa halaga ng deposito mula 2003 hanggang 2012 (9.2% at 9.3%), ang taunang antas ng pag-angat sa halaga ng deposito sa mga rehiyon sa labas ng Kalakhang Maynila sa nakalipas na sampung taon ay pumapalo sa 10% o higit pa.  Naitala ang CARAGA (Region XIII) bilang may pinakamabilis na pag-angat sa halaga ng deposito (19.5%).  Sinundan ito ng Cagayan Valley (Region II) at MIMAROPA (Region IVB) na umabot sa 18.7% at 18.6%, sa pagkasunud-sunod.

Ang taunang tantos ng interes sa mga pautang sa buong bansa ay maaaring umabot lang sa 0.25%

Ayon sa mga datos ng BSP noong Oktubre 20135, ang taunang loan interest rates sa mga bangko ay ang mga sumusunod: mula 1.7% hanggang 67.9% para sa short-term loans; mula 0.25% hanggang 47.0% para sa medium-term loans; at 1.2% hanggang 28.9% para sa long-term loans.  Ang short-term loans ay may maturity period na isang taon at pababa habang ang medium-term loans ay may maturity period na mula higit isang taon hanggang limang taon.  Samantala, ang long-term loans ay may maturity period na higit sa limang taon.  Kadalasang mas mababa ang interest rates sa medium- at long-term loans kaysa sa short-term loans dahil sa paggamit ng kolateral sa nauna.

Maaaring mamili ang mga kliyente ng bangko sa iba’t ibang loan packages, at tiyak na tutulungan ka ng custom relations officer sa pagpili ng loan packages na angkop sa inyong pangangailangan.

Sa PhP 3,601.4 bilyong loan portfolio ng lahat ng bangko sa bansa, 13.8 porsyento lamang ang napapakinabangan ng mga bangko sa labas ng NCR.

Ang mga bangko ay matagal nang kinilala bilang pinagmumulan ng mga pondo lalo kung ang isang tao’y gusto mangutang.  Batay sa mga datos ng BSP, umabot sa kabuuang PhP 3,601.4 bilyon ang loan portfolio ng mga bangko noong 2012, ang PhP 3,105.4 billyon ay nasa mga bangkong matatagpuan sa NCR at PhP 496.0 bilyon naman ang nasa mga bangko sa labas ng NCR. Ang halaga ng loan portfolio sa mga bangko sa labas ng NCR ay patuloy na tumaas bagamat banayad lamang sa pangkaraniwang taunang tantos na 11.1 porsyento: mula PhP235.3 billion noong 2003 hanggang PhP 496.0 billion noong 2012 (Figure 1). Ngunit, ang datos nang 2012 ay 13.8 porsyento lamang ng kabuuang loan portfolio ng bansa.

Ang bahagi ng mga Rehiyon sa Loan Portfolio

  • Halos kalahati (48.8 porsyento o PhP 242.2 bilyon) ng P 496.0 bilyon utang sa labas ng NCR ay nagmumula sa mga rehiyon ng Luzon na kung saan ang CALABARZON ang may pinakamalaking bahagi, 16.4 porsyento (PhP 81.2 bilyon), sumunod ang Central Luzon (Region 3), 15.2 porsyento (PhP 75.5 billion). (Table 3)

  • Ang mga rehiyon sa Kabisayaan ay merong 28.5 porsyentong parte (PhP 141.2 bilyon) sa kabuuang loan portfolio na kung saan ang Central Visayas (Region 7) ang may pinakamalaking bahagi, 17.4 porsyento (PhP 86.3 bilyon).  Sumunod ang Western Visayas (Region 6) pero ang kanyang loan portfolio ay halos kalahati lamang ng sa Region 7. (Table 3)

  • Ang mga rehiyon sa Mindanao, na may pinakamababang deposito, ay merong ding pinakamamaliit na bahagi na 22.7 porsyento (PhP 112.6 bilyon) sa kabuuang loan portfolio.  Ang Davao Region ang nagtala ng pinakamataas bahagi na 7.5 porsyento (PhP 37.4 billion), sumunod ang Northern Mindanao na may 5.6 porsyentong bahagi (PhP 27.6 bilyon). (Table 3)

Ang mga rehiyon na may pinakamataas na loan portfolio ay ang mga rehiyon ding may pinakamataas na deposito sa lahat ng mayor na island groups.  Tulad sa mga deposito, nagtala rin ang ARMM ng pinakamababang loan portfolio na PhP 0.9 bilyon o 0.2 porsyento lamang ng kabuuang loan portfolio ng mga rehiyon sa labas ng NCR.

Iba iba ang paggamit ng pondo sa mga rehiyon noong 2003 hanggang 2012.  Sa 16 na rehiyon labas ng NCR, anim lamang ang nagtala ng mas mabilis na paglago sa kanilang loan portfolio kaysa sa deposito, ang mga ito ay ang: CAR, ang mga Rehiyong 2, 4A, 6, 8 at 9. Ang CAR ang nagtala ng may pinakamabilis na paglago sa 18.8 porsyento sinundan ito ng Rehiyon 8 na may 16.9 porsyento.  Ang ARMM ay nagtala ng pinakamababang tantos ng paglago sa 3.8 porsyento.

Mula sa kabuuang deposito sa mga bangko sa labas ng NCR, 24.9 porsyento lamang ang nagamit sa pagpapautang

Ganumpaman habang ang pangungutang ay patuloy na tumaas sa nakalipas na 10 taon, kung ihahambing ang halaga ng pautang laban sa kabuuang deposito sa mga bangko sa pamamagitan ng loan to deposit ratio (LDR), makakakuha tayo ng mababang mga numero (Table 4). Ang karaniwang LDR ng mga rehiyon sa labas ng NCR noong 2003 hanggang 2012 ay umabot lamang sa 24.9 porsyento at ito’y 56.5 percentage points na mas mababa sa 81.4 porsyento ng karaniwang LDR na naitala sa NCR.

Noong 2003 hanggang 2012, naitala na ang karaniwang LDR sa mga rehiyon sa labas ng NCR ay umabot lang ng 24.9 porsyento.  Ito ay mas mababa ng 56.5 percentage points kaysa sa karaniwang 81.4 porsyentong naitala sa NCR.

Noong 2003 hanggang 2012, di inaasahan na ang mga rehiyon sa Mindanao na may mababang deposito ay nagtala ng pinakamataas na karaniwang LDR na 31.4 prosyento.  Ang mga rehiyon sa kabisayaan naman ay nagtala ng karaniwang LDR na 24.6 porsyento habang ang mga rehiyon ng Luzon labas ng NCR ay nagtala ng pinakamababangh LDR na 22.8 porsyento. Sa pangkalahatan, sa nabanggit na sampung taon ang Mindanao ay mayroong mas mataas na taunang LDR kaysa sa Luzon at Kabisayaan.  At makikita rin na ang Luzon ay may mas mababang taunang LDR kaysa sa Kabisayaan (Figure 2).  Ipinakikita ng mga numerong ito na ang mga bangko sa Luzon ay di gaanong nagpapautang sa kanilang mga kliyente kaysa sa Visayas at Mindanao o ang mga residente ng Luzon ay kulang sa kapangahasan para mangutang kung ikukumpara sa mga residente ng Visayas at Mindanao o di naman kaya, ang mga naninirahan sa Luzon ay walang pangangailangan para mangutang kung ikukumpara sa mga taga Visayas at Mindanao.

Samantala, masasabing maraming pera ang pwedeng utangin dahil sa mababang LDR sa Luzon, Visayas at Mindanao sa nabanggit na sampung taon.  Sa ipinakitang mababang LDR ng mga rehiyon sa labas ng NCR masasalamin na ang mga pondong pwedeng ipautang ng mga bangko ay hindi lubos na nautang.

Sa 16 na rehiyon sa labas ng NCR, sampung rehiyon ang nagtala ng mas mataas na LDR kumpara sa mga taong 2003 hanggang 2012 (4 mula sa Luzon, 2 mula sa Visayas at 4 mula sa Mindanao) (Table 4).  Ang Northern Mindanao ang nagtala ng pinamakataas na karaniwang LDR na 36.8 porsyento at sinundan ito ng Caraga na may 36.2 porsyent.  Bagama’t nagtala ang Northern Mindanao ng pinakamataas na karaniwang LDR, ang LDR nito noong 2012 na 32.7 porsyento ay mas mababa ng 14.0 percentage point kaysa sa 46.7 LDR noong 2013.  Tulad din ito sa nangyari sa Caraga na may LDR na 29.1 porsyento noong 2012 pero mas mababa ito ng 20.0 percentage point kaysa sa LDR na 49.1 porsyento noong 2003.  Kung ikukumpara noong 2003, ang LDR ng sampung rehiyon labas ng NCR ay may mababang LDR noong 2012. (Table 4)

Sa kabilang banda, ang CAR ay nagtala ng pinakamababang karaniwang LDR na 12.7 porsyento kahit na ito ang nagtala ng pinakamabilis na paglago sa loan portfolio.  Ang dahilan nito’y mababa ang loan portfolio kaysa sa mga deposito.  Ang CALABARZON naman na nagtala ng pinakamataas na deposito at loan portfolio sa hanay ng mga rehiyon labas ng NCR ay nagtala ng ikatlong pinakamababang LDR na 18.7 porsyent (Table 4).

Ang mababa at pababang LDR sa mga rehiyong labas ng NCR ay dapat bigyang pansin para magkaroon ng lubusang pag unlad sa ekonomiya at lahatang panig na paglago ang mga rehiyon ito.  Sinasabi ng kaibigan kong mula sa India na mukhang kinakailangan ng mga bangko sa Pilipinas na pataasin ang pagpapautang nito, lalo na para sa mga kabataang negosyante (tulad ng Indian banking system na naglalaan ng di bababa sa 8 porsyento ng kanilang mga deposito para ipautang sa mga negosyante), para mapalago ang pagnenegosyo at lalo na ang mga malilit na negosyo.  Ipagpalagay na pwedeng maglaan ang mga bangko ng 5.0 porsyento ng kanilang mga deposito para ipautang, magakakronn ng PhP41.9 billyon pondo para ipautang pero hindi ito papakitanabangan ng lahat ng rehiyon labas ng NCR (PhP 25.4 bilyon sa Luzon, PhP 10.4 bilyon sa Visayas at PhP 6.0 bilyon sa Mindanao).  Ang padagdag ng PhP 41.9 billyon sa hanay ng mga negosyante sa mga rehiyon ito ay makapagbibigya ng kaunlaran sa mga rehiyong labas sa NCR. 

Malinaw na may mahalagang papel na gagampanan ang mga bangko sa ekonomiya ng mga rehiyon dahil nagsisilbi sila bilang pangunahing pagmumulan ng pondo sa aktibidad pangproduksyon at para sa pagkonsumo ng mga kalakal at serbisyo.  Kinakailangan payabungin ang tantos ng pag impok.  Kaya kung tayo’y may sobrang pera, kinakailangang mag-impok sa mga bangko. Sa pamamagitan nito, di niyo lang mapapalago ang inyong pera kundi kayo’y magiging mga bayani sa pagsisikap ng inyong rehiyon tungo sa pang-ekonomyang kaunlaran. Ang mga datos hinggil sa pagsulong ng ekonomya na sinusukat sa pamamagitan ng Gross Regional Domestic Expenditure (GRDE) na ginagawa ng NSCB Technical Staff ay siyang magpapakita ng mahalagang relasyon sa pagitan ng mga deposto at LDR at ng paglago ng ekonomiya.  Ang kasalukuyang GRDE ay limitado lang sa mga taong 2010-2012 dahil sa kakulangan ng mga datos para sa nakaraang sampung taon at dahil sa ang GRDE ay nagkaroon lang ng revision at rebasing nitong 2010 lamang.

Ang mga rehiyong may mataas na deposito sa bangko ay may mataas ding output pang-ekonomya

Kung gagamitin ang mga datos nang 2010 hanggang 2012, lumalabas na ang 7 matataas na rehiyon sa labas ng NCR (mula pinakamataas hanggang sa pinakamababa: Ang mga Rehiyong IVA, VII, III, VI, XI, I and X) na may mataas na karaniwang deposito ay siya rin ang 7 rehiyon (mula sa pinakamataas hanggang sa pinakamababa: Mga Rehiyong IVA, III, VII, VI, XI, X and I) na may mataas na GRDE (Table 5).  Ang CALABARZON ang palagiang nasa tuktok para sa dalawang indicators.

Ang mga rehiyon may pinakamababang GRDE (mula sa pinakamababa hanggang pinakamataas: ARMMM, XIII at IVB) ay yaong mga rehiyon may pinakamababang antas ng mga deposito (mula sa pinakamababa hanggang sa pinakamataas: ARMM, IVB and XIII). Ang ARMM ay palagiang may pinakamababang deposito at GRDE.

Ang mga rehiyong may mataas na deposito ay may mas mataas ng household final consumption expenditure

Ang CALABARZON na siyang nanguna sa karaniwang deposito mula 2010 – 2012 ay siya rin nanguna sa may pinakamataas ng per capita household final consumption expenditure (HFCE) habang ang Central Visayas at Central Luzon na nagging ikalawa’t ikatlo sa laki ng deposito ay ang ikalima at ikalawa na may pinakamataas na per capita HFCE. (Table 6)  May posibilidad na ang mga tao sa mga rehiyon ito ang may pinakamataas na HFCE dahil mas malaki ang kanilang kita at ang kanilang naiimpok na pera ay mas mataas kaysa sa iba pang tao na nagmumula sa ibang hanay ng income distribution.  Inilalagay nila ang kanilang pera sa gastusin sa hinaharap o di kaya’y ang kanilang perang impok sa bangko ay nautang ng iba para sa konsumo sa bahay.  Alinman sa dalawa, inaasahan na ang mga rehiyon ito ay magkakaron ng pag-unlad dahil meron silang sapat na suplay ng pera para pakinabangan ng sambahayan para sa kanilang konsumo na kung isasama ang mga investments ay magbubunga ng paglago ng ekonomiya.

Ang mga rehiyong may mataas na Loan to deposit ratio ay may mataas na tantos ng paglago sa ekonomya

Kung ikukumpara ang LDR sa tantos ng paglago ng GRDE mula noong 2010 hanggang 2012, ang mga sumusunod na resulta ay makikita:

  • Ang Caraga (Region 13) na nagtala ng pinakamataas na LDR na 43.5 porsyento noong 2011 sa hanay ng mga rehiyon labas ng NCR ay nagtala ng pinakamataas ng tantos ng paglago ng GRDE na 8.5 porsyento.

  • Ang tatlong rehiyon na nagtala ng pinakamababang LDR noong 2011 (ARMM – 16.3 porsyento, IVA - 19.2 porsyento at CAR - 20.6 porsyento) ay nakahanay sa ang mga rehiyong may pinakamababang tantos ng paglago ng GRDE (ARMMM – negative 0.3 porsyento, CAR – 1.3 porsyento, at IVA – 1.7 porsyento).

  • Ang dalawang rehiyong may pinakamababang LDR noong 2012 ay (CAR – 16.8 porysento at ARMM – 17.2 porsyento) ay nasa hanay ng mga rehiyong may pinakamababang tantos ng paglago ng GRDE.

Ang mga obserbasyon nakita ay nagpapakita na kung mataas ang LDR nagreresulta ng mataas na tantos sa paglago ng ekonomiya.  Kung mataas ang LDR, magkakaroon tayo ng mas maraming investments na magpapataas ng aktibidad sa produskyon at paggastos na magreresulta ng paglago ng ekonomya.  Ang mga investment ay kinikilala bilang susi para makamtan ang tuluy-tuloy na paglago ng ekonomya.  Totoo na mayroon pang ibang salik na nagtutulak para lumago ang ekonomya ng mga rehiyon pero di dapat kaligtaan na gamitin ang mga pondong dapat gamitin.

Ipinapakita sa mga nabanggit na estadistika na ang bansa ay may sapat na salapi para sa anumang layunin.  Mahalagang maipaabot sa bawat Pinoy ang impormasyon ukol sa paggamit ng salaping nakaimpok sa mga bangko.  Malaki ang papel ng mga bangko sa pagpapaunlad ng ekonomiya. Kinakailangan din ng mga tao sa mga rehiyong ito na mapalawak pa ang investments, mangahas na magnegosyo o malakihin ang kanilang negosyo, at gamitin ang mga pondong nasa bangko.

Hindi lahat ng Filipino ay may kahusayan sa pagnenegosyo at kadalasa’y sinasanay tayong maging empleyado lamang.  Mahalagang magamit ang umuusbong na economic gains. Marapat ding paigtingin sa mga kolehiyo’t unibersidad at sector ng tech-voc ang pagpapahusay sa pagnenegosyo.  Kailangang itaguyod ng industry and trade sectors ang mga advocacy support.  Marapat na bigyang pansin ng ating pamahalaan at LGUs ang pagpapayabong ng business environments para lalong maenganyo an gating mga kababayan na magnegosyo.  Higit sa lahat, dapat mas maging agresibo ang mga bangko sa pagpapautang gamit ang mga wastong alituntunin nang masigurong mababayaran ang mga nasabing pautang sa kalaunan.

Ngayong buwan, ipinagdiriwang natin ang National Values Month, na kaakibat ng pagsasabatas ng Proklamasyon Bilang 479 noong ika-7 Oktubre 1994 na may mga layuning 1) itaguyod ang moral awakening at kamulatan sa mga kaugaliang Filipino na maituturing na natatangi at positibo; 2) ipaalala sa bawat Filipino ang kahalagahan ng paghuhulma ng kinabukasan para sa sarili, sa pamayanan, at sa bansa; at 3) himukin ang bawat Filipino na gamitin ang mga kaugaliang makatutulong sa pagtataguyod ng pansariling layunin at pambansang layunin.  Dahil diyan, ating dakilain ang mga nasabing layuning sa pamamagitan ng pagsasapuso ng mga wastong gawi gaya ng pag-iimpok at pagpapahalaga sa kinabukasan.

Sa tuwing mag-iimpok tayo sa bangko, hindi lang ito paghahanda para sa ating sariling kinabukasan kundi pati na rin ng ating mga pamilya at ng ating mga pamayanan.  Sa oras na matanggap natin ang yearend bonus, pagnilayan kung paano ang wastong paggamit nito.

Isang Maligayang National Value Month sa ating lahat.

Kung kayo ay may reaksyon o ibang pananaw ukol sa artikulong ito, mangyari lamang na sumulat sa may akda sa email address na:


1 Secretary General of the National Statistical Coordination Board (NSCB). The NSCB, a statistical agency functionally attached to the National Economic and Development Authority (NEDA), is the highest policy making and coordinating body on statistical matters in the Philippines. Immediately prior to his appointment at NSCB, Dr. Albert was a Senior Research Fellow at the Philippine Institute for Development Studies, a policy think tank attached to NEDA. Dr. Albert finished summa cum laude with a Bachelor of Science degree in Applied Mathematics from the De La Salle University in 1988. He completed a Master of Science in Statistics from the State University of New York at Stony Brook in 1989 and a Ph.D. in Statistics from the same university in 1993. He is also a past President of the Philippine Statistical Association, a Fellow of the Social Weather Stations, and an Elected Regular Member of the National Research Council of the Philippines.

This article was co-written with Dr. Irenea B. Ubungen and Ms. Zenaida Garcillan, Statistical Coordination Officer (SCO) VI  & III of NSCB Regional Statistical Coordination Unit (RSCU) – Region I, respectively. This article was translated in Filipino by Edward Eugenio P. Lopez-Dee and Rowell G. Casaclang, SCO VI and SCO II, respectively, of the NSCB. The authors thank Dir. Candido J. Astrologo, and Simonette A. Nisperos for the assistance in the preparation of the article. The views expressed in the article are those of the authors and do not necessarily reflect those of the NSCB and its Technical Staff.

2 Available Online:,%20Thai,%20and%20Hong%20Kong%20Banking% 20Systems%20in%20Response%20to%20Global%20Economic%20Conjunctures.pdf

3 Available Online:

4 Also called deposit liabilities which are the money received by a bank from people or companies and that the bank will have to pay back in the future. 




Table 1. Number of Banks by Region : 2003 to 2012

Region 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012
Philippines 7,438 8,710 7,621 7,666 7,703 7,806 8,584 8,843 9,015 9,375
NCR 2,601 2,642 2,645 2,649 2,659 2,669 2,783 2,876 2,881 2,993
Outside NCR 4,837 6,068 4,976 5,017 5,044 5,137 5,801 5,967 6,134 6,382
Luzon 2,960 4,160 2,970 3,007 3,041 3,100 3,400 3,481 3,590 3,749
CAR 105 110 110 110 113 117 136 138 157 148
Region I 373 380 379 379 369 384 391 403 401 413
Region II 205 214 224 231 239 242 252 257 272 286
Region III 801 815 806 812 816 847 892 914 940 975
Region IVA 1,143 2,302 1,156 1,170 1,164 1,169 1,295 1,314 1,350 1,406
Region IVB 117 118 82 86 118 122 176 184 189 206
Region V 216 221 213 219 222 219 258 271 281 315
Visayas 1,000 1,012 1,074 1,075 1,061 1,067 1,227 1,260 1,287 1,344
Region VI 389 390 437 439 413 417 502 515 531 543
Region VII 488 494 504 503 515 519 565 580 584 627
Region VIII 123 128 133 133 133 131 160 165 172 174
Mindanao 877 896 932 935 942 970 1,174 1,226 1,257 1,289
Region IX 109 112 117 122 128 134 163 171 181 190
Region X 243 245 254 252 253 260 305 320 328 328
Region XI 234 238 250 253 253 266 316 333 338 355
Region XII 165 168 171 168 169 169 186 190 192 195
Region XIII 100 107 114 114 115 117 180 193 199 201
ARMM 26 26 26 26 24 24 24 19 19 20

Source: Bangko Sentral ng Pilipinas



Table 2. Deposit Liabilities by Region : 2003 to 2012
(in billion pesos)

Region 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012
Philippines 2,703.5 2,746.9 2,970.5 3,495.9 3,657.2 4,177.5 4,652.7 5,102.0 5,357.4 5,672.8
NCR 1,905.9 1,867.2 2,024.9 2,403.3 2,494.3 2,876.0 3,177.9 3,484.6 3,635.8 3,843.8
Outside NCR 797.6 879.7 945.6 1,092.6 1,162.9 1,301.5 1,474.7 1,617.4 1,721.6 1,829.0
Luzon 431.2 476.3 501.6 574.7 616.7 703.4 808.2 876.4 941.0 993.2
CAR 24.6 26.6 28.0 32.6 34.5 38.3 45.1 47.8 50.9 54.2
Region I 56.1 59.5 62.8 70.3 72.1 79.4 87.8 97.6 102.8 107.6
Region II 21.8 24.6 27.4 30.4 33.6 40.5 49.1 55.1 58.7 62.6
Region III 123.9 136.0 145.0 165.4 175.2 200.7 231.3 250.4 269.6 276.9
Region IVA 165.7 187.0 197.8 227.2 242.4 277.0 317.3 339.4 366.9 392.2
Region IVB 11.0 12.4 8.8 10.3 16.6 20.4 24.1 25.8 29.1 31.6
Region V 28.0 30.2 31.8 38.5 42.4 47.1 53.5 60.2 63.1 68.0
Visayas 222.3 246.5 270.4 319.6 333.6 359.7 392.1 445.2 461.4 489.9
Region VI 72.0 79.9 89.5 102.2 100.2 112.1 132.0 145.2 155.1 160.1
Region VII 130.2 144.8 157.3 190.3 204.2 214.7 222.7 256.9 261.6 280.8
Region VIII 20.1 21.8 23.5 27.0 29.2 32.9 37.4 43.1 44.6 49.0
Mindanao 144.1 156.9 173.7 198.4 212.6 238.4 274.5 295.9 319.3 346.0
Region IX 24.5 27.0 28.7 32.0 33.9 37.4 41.8 46.8 48.0 51.6
Region X 34.0 38.4 41.8 47.0 50.0 55.9 64.6 71.3 78.8 84.6
Region XI 47.1 51.5 57.3 66.5 71.2 80.1 94.7 100.8 107.1 109.0
Region XII 24.0 24.4 29.2 33.0 35.2 40.2 44.2 46.2 52.1 60.9
Region XIII 11.7 12.6 13.7 16.5 18.8 20.8 24.5 27.0 28.9 34.3
ARMM 2.9 2.9 3.0 3.4 3.5 4.0 4.7 3.8 4.4 5.5

Source: Bangko Sentral ng Pilipinas


Table 3. Loan Portfolio by Region : 2003 to 2012
(in billion pesos)

Region 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012
Philippines 1,947.0 1,996.0 2,117.8 2,399.9 2,466.8 2,338.5 2,438.9 2,660.1 3,190.5 3,601.4
NCR 1,711.7 1,750.9 1,880.3 2,145.0 2,203.4 2,064.2 2,078.5 2,284.5 2,765.8 3,105.4
Outside NCR 235.3 245.1 237.5 254.9 263.3 274.3 360.4 375.5 424.8 496.0
Luzon 110.7 117.8 111.8 120.4 132.1 136.4 194.6 188.0 223.3 242.2
CAR 3.2 3.4 3.3 3.2 3.1 3.3 5.1 6.3 10.5 9.1
Region I 11.8 12.4 12.4 14.3 16.1 17.2 25.3 25.6 21.8 22.9
Region II 9.9 9.9 10.4 12.0 13.0 13.3 14.6 17.4 18.3 21.8
Region III 37.6 39.9 37.4 38.5 39.7 42.7 49.4 58.3 71.8 75.5
Region IVA 33.3 35.0 33.7 36.4 41.0 43.2 81.2 56.7 70.5 81.2
Region IVB 4.7 5.1 2.8 2.6 4.5 4.8 5.8 6.3 8.7 10.2
Region V 10.2 11.9 11.8 13.3 14.6 12.0 13.1 17.5 21.7 21.4
Visayas 66.9 69.0 70.6 74.4 72.4 73.6 87.1 102.3 104.3 141.2
Region VI 18.4 18.7 20.3 20.7 19.6 20.6 25.2 30.2 31.1 41.1
Region VII 43.4 45.2 44.8 47.9 45.7 43.8 52.6 60.1 62.1 86.3
Region VIII 5.1 5.1 5.5 5.8 7.1 9.1 9.3 12.0 11.1 13.8
Mindanao 57.7 58.2 55.0 60.2 58.9 64.4 78.7 85.2 97.1 112.6
Region IX 5.8 6.1 6.4 6.8 8.0 8.7 10.1 11.1 11.1 14.5
Region X 15.9 19.6 16.8 19.6 17.0 18.8 21.2 21.2 20.1 27.6
Region XI 20.0 16.9 16.3 18.2 16.5 19.2 24.9 29.7 32.3 37.4
Region XII 9.6 9.6 9.4 10.2 10.0 10.5 14.2 15.2 20.4 22.1
Region XIII 5.7 5.2 5.4 5.0 6.8 6.8 7.7 7.6 12.6 10.0
ARMM 0.7 0.8 0.7 0.3 0.5 0.5 0.6 0.5 0.7 0.9

Source: Bangko Sentral ng Pilipinas

Table 4. Loan to Deposit Ratio by Region : 2013 to 2012

Region 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 Average
Philippines 72.0 72.7 71.3 68.7 67.4 56.0 52.4 52.1 59.6 63.5 63.56
NCR 89.8 93.8 92.9 89.3 88.3 71.8 65.4 65.6 76.1 80.8 81.36
Outside NCR 29.5 27.9 25.1 23.3 22.6 21.1 24.4 23.2 24.7 27.1 24.90
Luzon 25.7 24.7 22.3 20.9 21.4 19.4 24.1 21.5 23.7 24.4 22.81
CAR 12.8 13.0 11.6 9.9 9.0 8.7 11.4 13.1 20.6 16.8 12.69
Region I 21.1 20.9 19.8 20.4 22.3 21.7 28.8 26.2 21.2 21.3 22.37
Region II 45.2 40.3 38.1 39.4 38.7 32.7 29.8 31.6 31.1 34.9 36.17
Region III 30.3 29.4 25.8 23.3 22.7 21.3 21.4 23.3 26.6 27.3 25.13
Region IVA 20.1 18.7 17.1 16.0 16.9 15.6 25.6 16.7 19.2 20.7 18.66
Region IVB 43.0 41.6 32.0 25.0 27.4 23.6 23.9 24.3 30.0 32.2 30.30
Region V 36.4 39.4 37.0 34.7 34.5 25.4 24.5 29.1 34.5 31.5 32.69
Visayas 30.1 28.0 26.1 23.3 21.7 20.4 22.2 23.0 22.6 28.8 24.63
Region VI 25.6 23.4 22.7 20.2 19.5 18.4 19.1 20.8 20.0 25.6 21.54
Region VII 33.3 31.2 28.5 25.2 22.4 20.4 23.6 23.4 23.7 30.7 26.25
Region VIII 25.5 23.5 23.3 21.3 24.4 27.6 24.9 27.8 24.9 28.2 25.14
Mindanao 40.0 37.1 31.7 30.4 27.7 27.0 28.7 28.8 30.4 32.6 31.43
Region IX 23.5 22.6 22.4 21.2 23.7 23.2 24.3 23.6 23.1 28.1 23.58
Region X 46.7 51.1 40.1 41.7 34.1 33.7 32.7 29.7 25.5 32.7 36.80
Region XI 42.5 32.8 28.5 27.4 23.2 23.9 26.3 29.4 30.1 34.3 29.85
Region XII 40.0 39.2 32.0 30.9 28.3 26.0 32.1 32.9 39.2 36.3 33.70
Region XIII 49.1 41.3 39.5 30.6 36.4 32.5 31.6 28.2 43.5 29.1 36.19
ARMM 24.2 26.5 24.5 10.1 12.8 12.3 12.0 12.1 16.3 17.2 16.80

Source of Basic Data : Bangko Sentral ng Pilipinas


Table 5. Expenditure on Gross Regional Domestic Product by Region:
2010 to 2012,
At Constant 2000 Prices
(In Thousand Pesos)

Region  2010 2011 2012
Philippines 5,701,539,196 5,908,999,733 6,311,670,842
NCR 2,038,178,776 2,101,687,899 2,255,116,040
CAR 120,136,274 121,728,409 122,967,777
Region I 179,927,789 184,246,599 193,741,846
Region II 99,839,760 105,434,223 114,064,995
Region III 510,617,864 546,830,485 581,382,134
Region IVA 1,009,389,533 1,026,046,727 1,097,720,281
Region IVB 101,835,838 104,987,077 109,428,311
Region V 114,109,823 116,241,121 124,491,331
Region VI 227,241,684 241,412,643 259,428,707
Region VII 340,700,776 363,901,202 397,651,690
Region VIII 150,799,368 153,893,711 144,346,537
Region IX 117,018,919 117,182,723 131,695,644
Region X 210,965,521 223,160,739 239,677,173
Region XI 217,313,462 225,455,325 242,230,400
Region XII 151,318,180 159,309,865 172,262,219
Region XIII 64,534,772 70,002,372 77,426,887
ARMM 47,610,858 47,478,614 48,038,871

Source: National Statistical Coordination Board


Table 6. Per Capita, Household Final Consumption Expenditure by Region: 2010-2012, At Constant 2000 Prices
(In Thousand Pesos)

Region  2010 2011 2012
Philippines 42,610 44,263 46,387
NCR 78,547 81,635 85,622
CAR 40,636 42,464 44,724
Region I 38,732 40,443 42,376
Region II 35,334 37,045 38,766
Region III 46,066 47,853 49,697
Region IVA 50,215 51,123 53,314
Region IVB 31,737 33,320 34,877
Region V 32,078 33,819 35,667
Region VI 35,222 36,860 38,976
Region VII 36,470 38,233 40,325
Region VIII 32,921 34,592 36,663
Region IX 27,050 28,421 29,768
Region X 32,180 33,746 35,718
Region XI 34,015 34,787 36,260
Region XII 32,224 33,319 34,576
Region XIII 27,677 28,830 30,167
ARMM 19,263 19,877 20,674

Source: National Statistical Coordination Board








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