Philippine National Bank Balance Sheet Health
Financial Health criteria checks 4/6
Philippine National Bank has total assets of ₱1,210.5B and total equity of ₱191.1B. Total deposits are ₱928.0B, and total loans are ₱590.7B earning a Net Interest Margin of 4.2%. It has insufficient allowance for bad loans, which are currently at 7.4% of total loans. Cash and short-term investments are ₱170.6B.
Key information
6.3x
Asset to equity ratio
4.2%
Net interest margin
Total deposits | ₱927.97b |
Loan to deposit ratio | Appropriate |
Bad loans | 7.4% |
Allowance for bad loans | Low |
Current ratio | Low |
Cash & equivalents | ₱170.60b |
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 (6.3x) is low.
Allowance for Bad Loans: PNB has a low allowance for bad loans (80%).
Low Risk Liabilities: 91% 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 (49%).
Low Risk Deposits: PNB's Loans to Deposits ratio (64%) is appropriate.
Level of Bad Loans: PNB has a high level of bad loans (7.4%).