As Loan Growth Accelerates, Data Becomes Critical to Sustainable Lending (manilastandard)

MS Spotlight April 27, 2026

More Filipinos and businesses are turning to formal credit, deepening financial participation. Data from the Bangko Sentral ng Pilipinas shows banking lending grew by 9.5% in February 2026, driven by both business and consumer demand. While this reflects economic momentum, it also increases the need for stronger financial safeguards, especially amid global uncertainty.

In volatile conditions, borrowing often rises. Businesses seek capital to manage operations or fund unexpected expenses, while households rely on credit to cope with higher costs. In these moments, speed often becomes a priority. However, when lending accelerates without sufficient safeguards, the risks compound: mispriced loans, overextended borrowers, and erosion of trust in the system.

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Read more: Manila Standard

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