52 Selected Performance Indicators
###	Rural and Cooperative Bank Group
###	as of end of periods indicated
	amounts in thousand Pesos, ratios in percent (%)
	Selected Accounts	Mar-25
	ASSET QUALITY RATIOS:
past_due_ratio	Past Due Ratio	10.07
past_due_loans_web	Past Due Loans	30,269,531.30
tlp_gross	Total Loan Portfolio (TLP), gross	300,648,646.79
restruct_loans_to_tlp_gross	RL to TLP	1.82
restruct_loans_total	Restructured Loans (RL), gross	5,475,641.36
tlp_gross	TLP, gross	300,648,646.79
tlp_acl_to_tlp_gross	Loan Loss Reserves (LLR) to TLP	5.73
tlp_acl	Allowance for Credit Losses (ACL) - TLP	17,223,990.40
tlp_gross	TLP, gross	300,648,646.79
npl_gross_to_tlp_gross	Gross NPL Ratio	7.18
npl_gross	Gross Non-Performing Loans (NPL)	21,585,109.90
tlp_gross	TLP, gross	300,648,646.79
npl_net_ibl_to_tlp_exc_ibl	Gross NPL Ratio, net of IBL	7.18
npl_gross_net_ibl	Gross NPL, net of NP IBL	21,585,109.79
npl_gross	(1) Gross NPL	21,585,109.90
npl_ibl	(2) Non-performing IBL	0.11
tlp_gross_exc_ibl	TLP, gross net of IBL	300,648,646.79
tlp_gross	(1) TLP, gross	300,648,646.79
ibl	(2) Interbank Loans Receivables (IBL)	0.00
npl_net_spec_acl_to_tlp_gross	Net NPL Ratio1/	3.14
npl_net_spec_acl	NPL, net of Specific ACL1/	9,430,968.02
npl_gross	(1) Gross NPL	21,585,109.90
spec_acl_npl	(2) Specific ACL	12,154,141.87
tlp_gross	TLP, gross	300,648,646.79
npl_coverage_ratio	NPL Coverage Ratio	79.80
tlp_acl	ACL - TLP	17,223,990.40
npl_gross	Gross NPL	21,585,109.90
npl_coverage_net_gllp_ratio	NPL Coverage Ratio, excl. GLLP	65.20
spec_acl_tlp	Spec. ACL - TLP	14,073,283.36
npl_gross	Gross NPL	21,585,109.90
npa_to_gross_assets	NPA to Gross Assets	6.30
npa	Non-Performing Assets (NPA)	32,670,094.53
npl_gross	(1) Gross NPL	21,585,109.90
ropa_gross_np_scr	(2) ROPA, gross	11,084,984.63
ropa	(a) Real and Other Properties Acquired (ROPA)	9,810,765.53
ncahs_gross	(b) Non-Current Assets Held for Sale	305,322.05
scr_nonperforming	(c) Non-Performing Sales Contract Receivables (SCR)	968,897.05
gross_assets_web	Gross Assets	518,363,053.02
total_assets_web	(1) Total Assets	499,641,276.28
npa_allowance	(2) Allowance on NPA	18,721,776.74
npa_coverage_ratio	NPA Coverage Ratio	57.31
npa_allowance	Allowance on NPA	18,721,776.74
npa	NPA	32,670,094.53
distressed_assets_ratio	Distressed Assets Ratio	11.34
distressed_assets	Distressed Assets	35,591,647.07
npa	NPA	32,670,094.53
restruct_loans_perf	RL, Performing	2,921,552.55
tlp_gross	TLP, gross	300,648,646.79
ropa_gross	Total ROPA	13,284,006.36
ropa_gross_np_scr	(1) ROPA, gross	11,084,984.63
scr_performing	(2) Performing SCR	2,199,021.73
	LIQUIDITY RATIOS
cash_due_from_b_to_deposits	(1) Cash and Due from Banks to Deposits	25.39
cash_due_from_b_cb	Cash and Due from Banks	90,879,291.19
deposit_liab	Deposits	357,998,139.33
liquid_assets_to_deposits	(2) Liquid Assets to Deposits Ratio	48.09
liquid_assets	Liquid Assets, sum of:	172,175,720.64
cash_due_from_b_cb	(1) Cash and Due from Banks	90,879,291.19
fin_asst_net_equity	(2) Financial Assets, net (excl. equity investments)	81,296,429.45
deposit_liab	Deposits	357,998,139.33
loans_to_deposit	(3) Loans (gross) to Deposits	83.98
tlp_gross	Loans (gross)	300,648,646.79
deposit_liab	Deposits	357,998,139.33
	(4) Minimum Liquidity Ratio (MLR) - Stand-Alone Banks
	SELECTED PROFITABILITY RATIOS
roa	(1)  Return on Assets (ROA)	2.75
net_profit_loss_annualized	Annualized Net Profit or Loss	12,732,835.27
total_assets_web_averaged	Average Assets	462,534,362.71
total_assets_web_sply	Total Assets (last year)	425,427,449.13
total_assets_web	Total Assets (current year)	499,641,276.28
roe	(2) Return on Equity (ROE)	15.14
net_profit_loss_annualized	Annualized Net Profit or Loss	12,732,835.27
total_equity_web_averaged	Average Capital	84,073,363.83
total_equity_web_sply	Total Capital (last year)	77,059,451.56
total_equity_web	Total Capital (current year)	91,087,276.09
earning_asset_yield	(3) Earning Asset Yield	13.50
interest_income_annualized	Annualized Interest Income	58,093,273.07
earning_assets_averaged	Average Earning Assets	430,423,440.98
earning_assets_sply	Earning Assets (last year)	396,681,215.99
earning_assets	Earning Assets (current year)	464,165,665.97
funding_cost	(4) Funding Cost	2.79
interest_expense_annualized	Annualized Interest Expense	9,953,601.42
int_bear_liab_averaged	Average Interest Bearing Liabilities	357,392,797.24
int_bear_liab_sply	Interest Bearing Liabilities (last year)	329,385,623.57
int_bear_liab	Interest Bearing Liabilities (current year)	385,399,970.91
interest_spread	(5) Interest Spread	10.71
earning_asset_yield	(3) Earning Asset Yield	13.50
funding_cost	(4) Funding Cost	2.79
net_interest_margin	(6) Net Interest Margin	11.12
net_interest_income_annualized	Annualized Net Interest Income	47,853,090.02
earning_assets_averaged	Average Earning Assets	430,423,440.98
cost_to_income_ratio	(7) Cost to Income Ratio	63.80
non_interest_expense_annualized	Annualized Non-Interest Expenses	38,591,303.75
operating_income_annualized	Annualized Total Operating Income	60,492,493.19
net_int_inc_to_operating_income	(8) Net Interest Income to Total Operating Income	79.11
net_interest_income_annualized	Annualized Net Interest Income	47,853,090.02
operating_income_annualized	Annualized Total Operating Income	60,492,493.19
non_int_inc_to_operating_income	(9) Non-interest Income to Total Operating Income	20.89
non_interest_income_annualized	Annualized Non-Interest Income	12,639,403.16
operating_income_annualized	Annualized Total Operating Income	60,492,493.19
	CAPITAL ADEQUACY
	Capital Adequacy Ratio - Solo	18.22
capital_to_assets_web	Total Capital Accounts to Total Assets	18.29
	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