Philippine banks to maintain lending standards in Q4 2025

1 in 10 banks will tighten lending standards for business and household loans.

Banks in the Philippines expect their lending standards to remain unchanged in the last three months of 2025, according to a survey by the Bangko Sentral ng Pilipinas (BSP).

Of 58 bank respondents, 86% expect that they will maintain lending standards for business loans. This is up from 78.9% recorded in the Q3 period.

About 10.5% of the remaining respondents said they will tighten lending standards, and the remaining 3.5% will ease their standards for business loans.

Meanwhile, 87.5% of the respondents said they will maintain lending standards for household loans, up 87.5% from the previous quarter. Around 10% expect to tighten standards, and 2.5% may ease them, the central bank found.

Lending standards refer to the rules banks use when giving loans—like interest rates, loan size, collateral, loan conditions, and repayment terms, as defined by the BSP.