The ratio of non-performing loans (NLP) to total gross loans in the Philippines increased by 0.4 percentage points (+11.33 percent) in 2021. Therefore, the ratio in the Philippines reached a peak in 2021 with 3.96 percent. A nonperforming loan (NPL) is a loan that is unfulfilled due to the fact that the borrower has not made the scheduled payments for a specified period. In banking, commercial loans are considered nonperforming if the borrower is 90 days past due.
According to the source, bank nonperforming loans to total gross loans are the value of nonperforming loans divided by the total value of the loan portfolio (including nonperforming loans before the deduction of specific loan-loss provisions). The loan amount recorded as nonperforming should be the gross value of the loan as recorded on the balance sheet, not just the amount that is overdue.
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World Bank. (May 30, 2024). Ratio of bank nonperforming loans to total gross loans in the Philippines from 2012 to 2021 [Graph]. In Statista. Retrieved July 22, 2024, from https://www.statista.com/statistics/1173505/philippines-bank-nonperforming-loans-to-total-gross-loans-ratio/
World Bank. "Ratio of bank nonperforming loans to total gross loans in the Philippines from 2012 to 2021." Chart. May 30, 2024. Statista. Accessed July 22, 2024. https://www.statista.com/statistics/1173505/philippines-bank-nonperforming-loans-to-total-gross-loans-ratio/
World Bank. (2024). Ratio of bank nonperforming loans to total gross loans in the Philippines from 2012 to 2021. Statista. Statista Inc.. Accessed: July 22, 2024. https://www.statista.com/statistics/1173505/philippines-bank-nonperforming-loans-to-total-gross-loans-ratio/
World Bank. "Ratio of Bank Nonperforming Loans to Total Gross Loans in The Philippines from 2012 to 2021." Statista, Statista Inc., 30 May 2024, https://www.statista.com/statistics/1173505/philippines-bank-nonperforming-loans-to-total-gross-loans-ratio/
World Bank, Ratio of bank nonperforming loans to total gross loans in the Philippines from 2012 to 2021 Statista, https://www.statista.com/statistics/1173505/philippines-bank-nonperforming-loans-to-total-gross-loans-ratio/ (last visited July 22, 2024)
Ratio of bank nonperforming loans to total gross loans in the Philippines from 2012 to 2021 [Graph], World Bank, May 30, 2024. [Online]. Available: https://www.statista.com/statistics/1173505/philippines-bank-nonperforming-loans-to-total-gross-loans-ratio/