Philippine Trust Balance Sheet Health
Financial Health criteria checks 4/6
Philippine Trust has total assets of ₱178.0B and total equity of ₱23.1B. Total deposits are ₱153.3B, and total loans are ₱28.0B earning a Net Interest Margin of 2.1%. It has insufficient allowance for bad loans, which are currently at 15% of total loans. Cash and short-term investments are ₱7.4B.
Key information
7.7x
Asset to equity ratio
2.1%
Net interest margin
| Total deposits | ₱153.29b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 15.0% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | ₱7.35b |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: PTC's Assets to Equity ratio (7.7x) is low.
Allowance for Bad Loans: PTC has a low allowance for bad loans (75%).
Low Risk Liabilities: 99% of PTC's liabilities are made up of primarily low risk sources of funding.
Loan Level: PTC has an appropriate level of Loans to Assets ratio (16%).
Low Risk Deposits: PTC's Loans to Deposits ratio (18%) is appropriate.
Level of Bad Loans: PTC has a high level of bad loans (15%).