7 Selected Performance Indicators
###	Philippine Banking System
###	as of end of periods indicated
	amounts in thousand Pesos, ratios in percent (%)
		*	*
	Selected Accounts	Jan-25	Feb-25
	ASSET QUALITY RATIOS:
past_due_ratio	Past Due Ratio	4.17	4.20
past_due_loans_web	Past Due Loans	633,068,093.41	637,808,326.10
tlp_gross	Total Loan Portfolio (TLP), gross	15,175,656,042.70	15,173,046,875.58
restruct_loans_to_tlp_gross	RL to TLP	2.05	2.05
restruct_loans_total	Restructured Loans (RL), gross	311,223,375.30	311,105,658.16
tlp_gross	TLP, gross	15,175,656,042.70	15,173,046,875.58
tlp_acl_to_tlp_gross	Loan Loss Reserves (LLR) to TLP	3.22	3.23
tlp_acl	Allowance for Credit Losses (ACL) - TLP	488,478,734.88	489,551,464.50
tlp_gross	TLP, gross	15,175,656,042.70	15,173,046,875.58
npl_gross_to_tlp_gross	Gross NPL Ratio	3.38	3.38
npl_gross	Gross Non-Performing Loans (NPL)	512,828,785.81	513,348,472.96
tlp_gross	TLP, gross	15,175,656,042.70	15,173,046,875.58
npl_net_ibl_to_tlp_exc_ibl	Gross NPL Ratio, net of IBL	3.48	3.49
npl_gross_net_ibl	Gross NPL, net of NP IBL	512,541,642.80	513,136,345.42
npl_gross	(1) Gross NPL	512,828,785.81	513,348,472.96
npl_ibl	(2) Non-performing IBL	287,143.01	212,127.54
tlp_gross_exc_ibl	TLP, gross net of IBL	14,724,764,022.64	14,720,499,920.81
tlp_gross	(1) TLP, gross	15,175,656,042.70	15,173,046,875.58
ibl	(2) Interbank Loans Receivables (IBL)	450,892,020.06	452,546,954.77
npl_net_spec_acl_to_tlp_gross	Net NPL Ratio1/	1.48	1.47
npl_net_spec_acl	NPL, net of Specific ACL1/	225,223,501.95	223,274,359.02
npl_gross	(1) Gross NPL	512,828,785.81	513,348,472.96
spec_acl_npl	(2) Specific ACL	287,605,283.86	290,074,113.94
tlp_gross	TLP, gross	15,175,656,042.70	15,173,046,875.58
npl_coverage_ratio	NPL Coverage Ratio	95.25	95.36
tlp_acl	ACL - TLP	488,478,734.88	489,551,464.50
npl_gross	Gross NPL	512,828,785.81	513,348,472.96
npl_coverage_net_gllp_ratio	NPL Coverage Ratio, excl. GLLP	75.43	76.04
spec_acl_tlp	Spec. ACL - TLP	386,826,083.40	390,338,530.10
npl_gross	Gross NPL	512,828,785.81	513,348,472.96
npa_to_gross_assets	NPA to Gross Assets	2.38	2.40
npa	Non-Performing Assets (NPA)	658,372,884.91	658,813,192.46
npl_gross	(1) Gross NPL	512,828,785.81	513,348,472.96
ropa_gross_np_scr	(2) ROPA, gross	145,544,099.10	145,464,719.50
ropa	(a) Real and Other Properties Acquired (ROPA)	132,169,969.03	132,410,556.87
ncahs_gross	(b) Non-Current Assets Held for Sale	8,579,563.69	8,167,415.48
scr_nonperforming	(c) Non-Performing Sales Contract Receivables (SCR)	4,794,566.38	4,886,747.15
gross_assets_web	Gross Assets	27,637,260,057.98	27,481,533,031.25
total_assets_web	(1) Total Assets	27,109,359,893.64	26,952,234,686.61
npa_allowance	(2) Allowance on NPA	527,900,164.35	529,298,344.64
npa_coverage_ratio	NPA Coverage Ratio	80.18	80.34
npa_allowance	Allowance on NPA	527,900,164.35	529,298,344.64
npa	NPA	658,372,884.91	658,813,192.46
distressed_assets_ratio	Distressed Assets Ratio	5.55	5.55
distressed_assets	Distressed Assets	851,048,567.84	850,928,963.77
npa	NPA	658,372,884.91	658,813,192.46
restruct_loans_perf	RL, Performing	192,675,682.92	192,115,771.31
tlp_gross	TLP, gross	15,175,656,042.70	15,173,046,875.58
ropa_gross	Total ROPA	157,201,730.07	156,860,008.12
ropa_gross_np_scr	(1) ROPA, gross	145,544,099.10	145,464,719.50
scr_performing	(2) Performing SCR	11,657,630.97	11,395,288.62
	LIQUIDITY RATIOS
cash_due_from_b_to_deposits	(1) Cash and Due from Banks to Deposits	13.29	12.02
cash_due_from_b_cb	Cash and Due from Banks	2,648,794,543.88	2,371,710,667.21
deposit_liab	Deposits	19,934,977,534.92	19,737,073,909.38
liquid_assets_to_deposits	(2) Liquid Assets to Deposits Ratio	50.22	49.72
liquid_assets	Liquid Assets, sum of:	10,010,610,196.73	9,812,737,782.64
cash_due_from_b_cb	(1) Cash and Due from Banks	2,648,794,543.88	2,371,710,667.21
fin_asst_net_equity	(2) Financial Assets, net (excl. equity investments)	7,361,815,652.85	7,441,027,115.43
deposit_liab	Deposits	19,934,977,534.92	19,737,073,909.38
loans_to_deposit	(3) Loans (gross) to Deposits	76.13	76.88
tlp_gross	Loans (gross)	15,175,656,042.70	15,173,046,875.58
deposit_liab	Deposits	19,934,977,534.92	19,737,073,909.38
	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	12.55	12.66
	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.
	/p Preliminary
	/r Revised
	Source : Department of Supervisory Analytics, Financial Supervision Sector, Bangko Sentral ng Pilipinas
	Updated as of 8 April 2025