Philippine Bank of Communications Balance Sheet Health
Financial Health criteria checks 5/6
Philippine Bank of Communications has total assets of ₱147.5B and total equity of ₱17.7B. Total deposits are ₱116.7B, and total loans are ₱89.1B. It earns a Net Interest Margin of 4%. It has sufficient allowance for bad loans, which are currently at 2.8% of total loans. Cash and short-term investments are ₱2.5B.
Key information
8.4x
Asset to equity ratio
4.0%
Net interest margin
Total deposits | ₱116.70b |
Loan to deposit ratio | Appropriate |
Bad loans | 2.8% |
Allowance for bad loans | Sufficient |
Current ratio | Low |
Cash & equivalents | ₱2.54b |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: PBC's Assets to Equity ratio (8.4x) is low.
Allowance for Bad Loans: PBC has a sufficient allowance for bad loans (110%).
Low Risk Liabilities: 90% of PBC's liabilities are made up of primarily low risk sources of funding.
Loan Level: PBC has an appropriate level of Loans to Assets ratio (60%).
Low Risk Deposits: PBC's Loans to Deposits ratio (76%) is appropriate.
Level of Bad Loans: PBC has a high level of bad loans (2.8%).