Philippine Savings Bank Balance Sheet Health
Financial Health criteria checks 5/6
Philippine Savings Bank has total assets of ₱238.4B and total equity of ₱40.2B. Total deposits are ₱189.6B, and total loans are ₱119.0B. It earns a Net Interest Margin of 5.2%. It has sufficient allowance for bad loans, which are currently at 3.5% of total loans. Cash and short-term investments are ₱17.3B.
Key information
5.9x
Asset to equity ratio
5.2%
Net interest margin
Total deposits | ₱189.62b |
Loan to deposit ratio | Appropriate |
Bad loans | 3.5% |
Allowance for bad loans | Sufficient |
Current ratio | Low |
Cash & equivalents | ₱17.27b |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: PSB's Assets to Equity ratio (5.9x) is low.
Allowance for Bad Loans: PSB has a sufficient allowance for bad loans (139%).
Low Risk Liabilities: 96% of PSB's liabilities are made up of primarily low risk sources of funding.
Loan Level: PSB has an appropriate level of Loans to Assets ratio (50%).
Low Risk Deposits: PSB's Loans to Deposits ratio (63%) is appropriate.
Level of Bad Loans: PSB has a high level of bad loans (3.5%).