7 Selected Performance Indicators
###	Philippine Banking System
	as of end of periods indicated
	amounts in thousand Pesos, ratios in percent (%)
		*	*
	Selected Accounts	Jan-24	Feb-24
	ASSET QUALITY RATIOS:
past_due_ratio	Past Due Ratio	4.27	4.31
past_due_loans_web	Past Due Loans	571,559,677.72	584,226,700.00
tlp_gross	Total Loan Portfolio (TLP), gross	13,380,068,783.31	13,540,211,444.25
restruct_loans_to_tlp_gross	RL to TLP	2.26	2.16
restruct_loans_total	Restructured Loans (RL), gross	301,997,674.32	292,084,806.67
tlp_gross	TLP, gross	13,380,068,783.31	13,540,211,444.25
tlp_acl_to_tlp_gross	Loan Loss Reserves (LLR) to TLP	3.45	3.44
tlp_acl	Allowance for Credit Losses (ACL) - TLP	462,116,810.02	466,393,202.04
tlp_gross	TLP, gross	13,380,068,783.31	13,540,211,444.25
npl_gross_to_tlp_gross	Gross NPL Ratio	3.44	3.44
npl_gross	Gross Non-Performing Loans (NPL)	460,759,858.69	466,114,392.31
tlp_gross	TLP, gross	13,380,068,783.31	13,540,211,444.25
npl_net_ibl_to_tlp_exc_ibl	Gross NPL Ratio, net of IBL	3.53	3.52
npl_gross_net_ibl	Gross NPL, net of NP IBL	460,435,528.34	465,790,061.96
npl_gross	(1) Gross NPL	460,759,858.69	466,114,392.31
npl_ibl	(2) Non-performing IBL	324,330.35	324,330.35
tlp_gross_exc_ibl	TLP, gross net of IBL	13,039,333,204.47	13,228,079,353.47
tlp_gross	(1) TLP, gross	13,380,068,783.31	13,540,211,444.25
ibl	(2) Interbank Loans Receivables (IBL)	340,735,578.84	312,132,090.78
npl_net_spec_acl_to_tlp_gross	Net NPL Ratio1/	1.58	1.56
npl_net_spec_acl	NPL, net of Specific ACL1/	211,381,804.37	211,708,381.73
npl_gross	(1) Gross NPL	460,759,858.69	466,114,392.31
spec_acl_npl	(2) Specific ACL	249,378,054.33	254,406,010.58
tlp_gross	TLP, gross	13,380,068,783.31	13,540,211,444.25
npl_coverage_ratio	NPL Coverage Ratio	100.29	100.06
tlp_acl	ACL - TLP	462,116,810.02	466,393,202.04
npl_gross	Gross NPL	460,759,858.69	466,114,392.31
npl_coverage_net_gllp_ratio	NPL Coverage Ratio, excl. GLLP	76.14	76.64
spec_acl_tlp	Spec. ACL - TLP	350,806,393.16	357,207,843.40
npl_gross	Gross NPL	460,759,858.69	466,114,392.31
npa_to_gross_assets	NPA to Gross Assets	2.35	2.36
npa	Non-Performing Assets (NPA)	594,250,072.73	599,623,305.46
npl_gross	(1) Gross NPL	460,759,858.69	466,114,392.31
ropa_gross_np_scr	(2) ROPA, gross	133,490,214.04	133,508,913.15
ropa	(a) Real and Other Properties Acquired (ROPA)	118,796,009.00	119,323,308.94
ncahs_gross	(b) Non-Current Assets Held for Sale	9,073,213.51	8,980,205.92
scr_nonperforming	(c) Non-Performing Sales Contract Receivables (SCR)	5,620,991.52	5,205,398.29
gross_assets_web	Gross Assets	25,308,005,599.73	25,457,911,318.65
total_assets_web	(1) Total Assets	24,807,989,154.39	24,953,417,713.34
npa_allowance	(2) Allowance on NPA	500,016,445.34	504,493,605.31
npa_coverage_ratio	NPA Coverage Ratio	84.14	84.14
npa_allowance	Allowance on NPA	500,016,445.34	504,493,605.31
npa	NPA	594,250,072.73	599,623,305.46
distressed_assets_ratio	Distressed Assets Ratio	5.79	5.65
distressed_assets	Distressed Assets	783,588,061.03	773,767,127.22
npa	NPA	594,250,072.73	599,623,305.46
restruct_loans_perf	RL, Performing	189,337,988.30	174,143,821.75
tlp_gross	TLP, gross	13,380,068,783.31	13,540,211,444.25
ropa_gross	Total ROPA	145,837,606.07	146,006,126.06
ropa_gross_np_scr	(1) ROPA, gross	133,490,214.04	133,508,913.15
scr_performing	(2) Performing SCR	12,347,392.03	12,497,212.90
	LIQUIDITY RATIOS
cash_due_from_b_to_deposits	(1) Cash and Due from Banks to Deposits	14.40	13.08
cash_due_from_b_cb	Cash and Due from Banks	2,687,460,317.32	2,443,590,997.82
deposit_liab	Deposits	18,660,272,890.60	18,678,174,804.16
liquid_assets_to_deposits	(2) Liquid Assets to Deposits Ratio	51.68	51.10
liquid_assets	Liquid Assets, sum of:	9,643,126,067.99	9,543,671,996.49
cash_due_from_b_cb	(1) Cash and Due from Banks	2,687,460,317.32	2,443,590,997.82
fin_asst_net_equity	(2) Financial Assets, net (excl. equity investments)	6,955,665,750.67	7,100,080,998.67
deposit_liab	Deposits	18,660,272,890.60	18,678,174,804.16
loans_to_deposit	(3) Loans (gross) to Deposits	71.70	72.49
tlp_gross	Loans (gross)	13,380,068,783.31	13,540,211,444.25
deposit_liab	Deposits	18,660,272,890.60	18,678,174,804.16
	SELECTED PROFITABILITY RATIOS
roa	(1)  Return on Assets (ROA)
net_profit_loss_annualized	Annualized Net Profit or Loss
total_assets_web_averaged	Average Assets
total_assets_web_sply	Total Assets (last year)
total_assets_web	Total Assets (current year)
roe	(2) Return on Equity (ROE)
net_profit_loss_annualized	Annualized Net Profit or Loss
total_equity_web_averaged	Average Capital
total_equity_web_sply	Total Capital (last year)
total_equity_web	Total Capital (current year)
earning_asset_yield	(3) Earning Asset Yield
interest_income_annualized	Annualized Interest Income
earning_assets_averaged	Average Earning Assets
earning_assets_sply	Earning Assets (last year)
earning_assets	Earning Assets (current year)
funding_cost	(4) Funding Cost
interest_expense_annualized	Annualized Interest Expense
int_bear_liab_averaged	Average Interest Bearing Liabilities
int_bear_liab_sply	Interest Bearing Liabilities (last year)
int_bear_liab	Interest Bearing Liabilities (current year)
interest_spread	(5) Interest Spread
earning_asset_yield	(3) Earning Asset Yield
funding_cost	(4) Funding Cost
net_interest_margin	(6) Net Interest Margin
net_interest_income_annualized	Annualized Net Interest Income
earning_assets_averaged	Average Earning Assets
cost_to_income_ratio	(7) Cost to Income Ratio
non_interest_expense_annualized	Annualized Non-Interest Expenses
operating_income_annualized	Annualized Total Operating Income
net_int_inc_to_operating_income	(8) Net Interest Income to Total Operating Income
net_interest_income_annualized	Annualized Net Interest Income
operating_income_annualized	Annualized Total Operating Income
non_int_inc_to_operating_income	(9) Non-interest Income to Total Operating Income
non_interest_income_annualized	Annualized Non-Interest Income
operating_income_annualized	Annualized Total Operating Income
	CAPITAL ADEQUACY
	Capital Adequacy Ratio - Solo
capital_to_assets_web	Total Capital Accounts to Total Assets	12.49	12.39
	1/ Starting September 2017, Net NPLs refer to gross NPLs less specific allowance for credit losses on NPLs per BSP Circular No. 941
	* Starting January 2024, UKB, TB, DGB, & RCB aggregates may not match with PBS, due to the exclusion of closed/merged RCBs during interim months.
	/r Revised
	Source : Department of Supervisory Analytics, Financial Supervision Sector, Bangko Sentral ng Pilipinas
	Updated as of 3 April 2024