Philippine National Bank Balance Sheet Health
Financial Health criteria checks 4/6
Philippine National Bank has total assets of ₱1,197.7B and total equity of ₱210.1B. Total deposits are ₱942.2B, and total loans are ₱594.2B earning a Net Interest Margin of 4.2%. It has insufficient allowance for bad loans, which are currently at 7.9% of total loans. Cash and short-term investments are ₱166.6B.
Key information
5.7x
Asset to equity ratio
4.2%
Net interest margin
| Total deposits | ₱942.22b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 7.9% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | ₱166.59b |
Recent financial health updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: PNB's Assets to Equity ratio (5.7x) is low.
Allowance for Bad Loans: PNB has a low allowance for bad loans (86%).
Low Risk Liabilities: 95% of PNB's liabilities are made up of primarily low risk sources of funding.
Loan Level: PNB has an appropriate level of Loans to Assets ratio (50%).
Low Risk Deposits: PNB's Loans to Deposits ratio (63%) is appropriate.
Level of Bad Loans: PNB has a high level of bad loans (7.9%).