BUSINESS
Advocates Philippines
BSP Says Banks To Keep Lending Rules Unchanged In Q4
Photo credit: BSP
Good news for borrowers — things aren’t expected to shake up much in the banking scene this quarter.
The Bangko Sentral ng Pilipinas (BSP) announced that most banks are likely to keep their lending standards unchanged in the fourth quarter of 2025, meaning no major changes in how they approve loans or set borrowing terms.
According to the Senior Bank Loan Officers’ Survey (SLOS) released on Monday, a majority of banks said they’ll stick with their current rules for lending to both businesses and households.
So what exactly are “lending standards”? Think of them as the banks’ checklist when approving loans — covering interest rates, collateral, loan sizes, repayment schedules, and conditions.
Out of the 58 banks that participated in the survey:
• 86% expect to keep their standards for business loans steady — up from 78.9% in the previous quarter.
• 87.5% will do the same for household loans, also an increase from 77.5% last quarter.
Only a small number of banks said they plan to tighten or ease their lending rules.
Meanwhile, demand for loans is expected to remain steady as well. Around 73.7% of banks said they see business loan demand holding firm, while the same percentage expect household loan demand to stay level — just a slight dip from last quarter’s numbers.
In short: no big surprises ahead. The BSP’s latest report paints a picture of stability in the lending environment — a good sign for both borrowers and the economy heading into year-end.
The Bangko Sentral ng Pilipinas (BSP) announced that most banks are likely to keep their lending standards unchanged in the fourth quarter of 2025, meaning no major changes in how they approve loans or set borrowing terms.
According to the Senior Bank Loan Officers’ Survey (SLOS) released on Monday, a majority of banks said they’ll stick with their current rules for lending to both businesses and households.
So what exactly are “lending standards”? Think of them as the banks’ checklist when approving loans — covering interest rates, collateral, loan sizes, repayment schedules, and conditions.
Out of the 58 banks that participated in the survey:
• 86% expect to keep their standards for business loans steady — up from 78.9% in the previous quarter.
• 87.5% will do the same for household loans, also an increase from 77.5% last quarter.
Only a small number of banks said they plan to tighten or ease their lending rules.
Meanwhile, demand for loans is expected to remain steady as well. Around 73.7% of banks said they see business loan demand holding firm, while the same percentage expect household loan demand to stay level — just a slight dip from last quarter’s numbers.
In short: no big surprises ahead. The BSP’s latest report paints a picture of stability in the lending environment — a good sign for both borrowers and the economy heading into year-end.
Nov 3, 2025
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