43 Selected Performance Indicators
###	Thrift Bank Group
###	as of end of periods indicated
	amounts in thousand Pesos, ratios in percent (%)
	Selected Accounts	Jan-25	Feb-25	Mar-25	Apr-25
	ASSET QUALITY RATIOS:
past_due_ratio	Past Due Ratio	9.93	9.63	9.88	9.67
past_due_loans_web	Past Due Loans	80,201,862.17	79,371,663.73	81,129,534.51	79,594,492.58
tlp_gross	Total Loan Portfolio (TLP), gross	807,905,234.50	823,975,182.50	821,435,408.29	823,287,371.42
restruct_loans_to_tlp_gross	RL to TLP	1.56	1.50	1.38	1.41
restruct_loans_total	Restructured Loans (RL), gross	12,570,473.51	12,378,747.44	11,339,415.89	11,633,509.12
tlp_gross	TLP, gross	807,905,234.50	823,975,182.50	821,435,408.29	823,287,371.42
tlp_acl_to_tlp_gross	Loan Loss Reserves (LLR) to TLP	3.97	4.01	4.03	4.09
tlp_acl	Allowance for Credit Losses (ACL) - TLP	32,072,098.80	33,009,834.59	33,063,042.13	33,677,417.57
tlp_gross	TLP, gross	807,905,234.50	823,975,182.50	821,435,408.29	823,287,371.42
npl_gross_to_tlp_gross	Gross NPL Ratio	6.69	6.61	6.62	6.65
npl_gross	Gross Non-Performing Loans (NPL)	54,065,751.10	54,431,645.45	54,376,298.98	54,731,798.51
tlp_gross	TLP, gross	807,905,234.50	823,975,182.50	821,435,408.29	823,287,371.42
npl_net_ibl_to_tlp_exc_ibl	Gross NPL Ratio, net of IBL	6.71	6.69	6.62	6.69
npl_gross_net_ibl	Gross NPL, net of NP IBL	54,065,751.08	54,431,645.42	54,376,298.95	54,731,798.48
npl_gross	(1) Gross NPL	54,065,751.10	54,431,645.45	54,376,298.98	54,731,798.51
npl_ibl	(2) Non-performing IBL	0.03	0.03	0.03	0.03
tlp_gross_exc_ibl	TLP, gross net of IBL	805,676,938.72	813,855,470.20	821,235,408.26	818,032,527.16
tlp_gross	(1) TLP, gross	807,905,234.50	823,975,182.50	821,435,408.29	823,287,371.42
ibl	(2) Interbank Loans Receivables (IBL)	2,228,295.78	10,119,712.31	200,000.03	5,254,844.26
npl_net_spec_acl_to_tlp_gross	Net NPL Ratio1/	3.75	3.63	3.61	3.62
npl_net_spec_acl	NPL, net of Specific ACL1/	30,295,500.19	29,931,267.28	29,661,135.69	29,769,353.91
npl_gross	(1) Gross NPL	54,065,751.10	54,431,645.45	54,376,298.98	54,731,798.51
spec_acl_npl	(2) Specific ACL	23,770,250.91	24,500,378.17	24,715,163.28	24,962,444.60
tlp_gross	TLP, gross	807,905,234.50	823,975,182.50	821,435,408.29	823,287,371.42
npl_coverage_ratio	NPL Coverage Ratio	59.32	60.64	60.80	61.53
tlp_acl	ACL - TLP	32,072,098.80	33,009,834.59	33,063,042.13	33,677,417.57
npl_gross	Gross NPL	54,065,751.10	54,431,645.45	54,376,298.98	54,731,798.51
npl_coverage_net_gllp_ratio	NPL Coverage Ratio, excl. GLLP	47.77	48.77	49.19	49.58
spec_acl_tlp	Spec. ACL - TLP	25,828,079.31	26,546,109.71	26,749,824.99	27,138,690.71
npl_gross	Gross NPL	54,065,751.10	54,431,645.45	54,376,298.98	54,731,798.51
npa_to_gross_assets	NPA to Gross Assets	6.64	6.65	6.57	6.55
npa	Non-Performing Assets (NPA)	74,838,943.20	75,242,017.65	75,499,604.09	76,071,178.28
npl_gross	(1) Gross NPL	54,065,751.10	54,431,645.45	54,376,298.98	54,731,798.51
ropa_gross_np_scr	(2) ROPA, gross	20,773,192.10	20,810,372.20	21,123,305.11	21,339,379.77
ropa	(a) Real and Other Properties Acquired (ROPA)	18,441,202.98	18,483,506.44	18,681,636.96	18,805,536.18
ncahs_gross	(b) Non-Current Assets Held for Sale	1,704,467.45	1,684,693.61	1,781,997.47	1,837,681.96
scr_nonperforming	(c) Non-Performing Sales Contract Receivables (SCR)	627,521.67	642,172.15	659,670.68	696,161.62
gross_assets_web	Gross Assets	1,126,540,680.26	1,132,215,942.71	1,149,316,656.04	1,160,542,743.04
total_assets_web	(1) Total Assets	1,089,976,208.89	1,094,700,633.27	1,111,814,886.56	1,122,319,085.66
npa_allowance	(2) Allowance on NPA	36,564,471.37	37,515,309.44	37,501,769.48	38,223,657.38
npa_coverage_ratio	NPA Coverage Ratio	48.86	49.86	49.67	50.25
npa_allowance	Allowance on NPA	36,564,471.37	37,515,309.44	37,501,769.48	38,223,657.38
npa	NPA	74,838,943.20	75,242,017.65	75,499,604.09	76,071,178.28
distressed_assets_ratio	Distressed Assets Ratio	9.97	9.81	9.85	9.89
distressed_assets	Distressed Assets	82,906,201.11	83,096,615.14	83,258,110.60	83,810,764.90
npa	NPA	74,838,943.20	75,242,017.65	75,499,604.09	76,071,178.28
restruct_loans_perf	RL, Performing	8,067,257.92	7,854,597.49	7,758,506.51	7,739,586.62
tlp_gross	TLP, gross	807,905,234.50	823,975,182.50	821,435,408.29	823,287,371.42
ropa_gross	Total ROPA	23,245,693.60	23,302,132.28	23,567,038.36	23,728,610.36
ropa_gross_np_scr	(1) ROPA, gross	20,773,192.10	20,810,372.20	21,123,305.11	21,339,379.77
scr_performing	(2) Performing SCR	2,472,501.51	2,491,760.07	2,443,733.25	2,389,230.59
	LIQUIDITY RATIOS
cash_due_from_b_to_deposits	(1) Cash and Due from Banks to Deposits	12.51	10.93	12.71	13.51
cash_due_from_b_cb	Cash and Due from Banks	101,952,553.78	90,512,191.79	106,699,447.69	114,853,876.58
deposit_liab	Deposits	814,881,609.15	828,315,452.84	839,682,463.87	850,136,645.07
liquid_assets_to_deposits	(2) Liquid Assets to Deposits Ratio	29.01	27.27	29.11	29.82
liquid_assets	Liquid Assets, sum of:	236,386,146.99	225,919,373.12	244,433,415.63	253,500,297.62
cash_due_from_b_cb	(1) Cash and Due from Banks	101,952,553.78	90,512,191.79	106,699,447.69	114,853,876.58
fin_asst_net_equity	(2) Financial Assets, net (excl. equity investments)	134,433,593.21	135,407,181.32	137,733,967.94	138,646,421.05
deposit_liab	Deposits	814,881,609.15	828,315,452.84	839,682,463.87	850,136,645.07
loans_to_deposit	(3) Loans (gross) to Deposits	99.14	99.48	97.83	96.84
tlp_gross	Loans (gross)	807,905,234.50	823,975,182.50	821,435,408.29	823,287,371.42
deposit_liab	Deposits	814,881,609.15	828,315,452.84	839,682,463.87	850,136,645.07
	(4) Minimum Liquidity Ratio (MLR) - Stand-Alone Banks
	SELECTED PROFITABILITY RATIOS
roa	(1)  Return on Assets (ROA)			1.93
net_profit_loss_annualized	Annualized Net Profit or Loss			20,878,181.76
total_assets_web_averaged	Average Assets			1,080,659,625.04
total_assets_web_sply	Total Assets (last year)			1,049,504,363.52
total_assets_web	Total Assets (current year)			1,111,814,886.56
roe	(2) Return on Equity (ROE)			12.28
net_profit_loss_annualized	Annualized Net Profit or Loss			20,878,181.76
total_equity_web_averaged	Average Capital			170,037,880.54
total_equity_web_sply	Total Capital (last year)			161,086,126.05
total_equity_web	Total Capital (current year)			178,989,635.02
earning_asset_yield	(3) Earning Asset Yield			10.53
interest_income_annualized	Annualized Interest Income			108,146,965.15
earning_assets_averaged	Average Earning Assets			1,026,675,053.78
earning_assets_sply	Earning Assets (last year)			998,346,253.59
earning_assets	Earning Assets (current year)			1,055,003,853.98
funding_cost	(4) Funding Cost			3.80
interest_expense_annualized	Annualized Interest Expense			33,340,227.22
int_bear_liab_averaged	Average Interest Bearing Liabilities			876,283,002.98
int_bear_liab_sply	Interest Bearing Liabilities (last year)			854,518,929.80
int_bear_liab	Interest Bearing Liabilities (current year)			898,047,076.17
interest_spread	(5) Interest Spread			6.73
earning_asset_yield	(3) Earning Asset Yield			10.53
funding_cost	(4) Funding Cost			3.80
net_interest_margin	(6) Net Interest Margin			7.26
net_interest_income_annualized	Annualized Net Interest Income			74,487,223.32
earning_assets_averaged	Average Earning Assets			1,026,675,053.78
cost_to_income_ratio	(7) Cost to Income Ratio			61.39
non_interest_expense_annualized	Annualized Non-Interest Expenses			52,414,394.21
operating_income_annualized	Annualized Total Operating Income			85,374,687.79
net_int_inc_to_operating_income	(8) Net Interest Income to Total Operating Income			87.25
net_interest_income_annualized	Annualized Net Interest Income			74,487,223.32
operating_income_annualized	Annualized Total Operating Income			85,374,687.79
non_int_inc_to_operating_income	(9) Non-interest Income to Total Operating Income			12.75
non_interest_income_annualized	Annualized Non-Interest Income			10,887,464.47
operating_income_annualized	Annualized Total Operating Income			85,374,687.79
	CAPITAL ADEQUACY
	Capital Adequacy Ratio - Solo			17.76
capital_to_assets_web	Total Capital Accounts to Total Assets	16.11	16.17	16.10	15.81
	1/ Starting September 2017, Net NPLs refer to gross NPLs less specific allowance for credit losses on NPLs per BSP Circular No. 941
	/r Revised
	Source : Department of Supervisory Analytics, Financial Supervision Sector, Bangko Sentral ng Pilipinas
	Updated as of 5 June 2025