Bank of the Philippine Islands Balance Sheet Health
Financial Health criteria checks 6/6
Bank of the Philippine Islands has total assets of ₱3,177.4B and total equity of ₱435.6B. Total deposits are ₱2,485.6B, and total loans are ₱2,108.8B. It earns a Net Interest Margin of 4.1%. It has sufficient allowance for bad loans, which are currently at 1.8% of total loans. Cash and short-term investments are ₱97.6B.
Key information
7.3x
Asset to equity ratio
4.1%
Net interest margin
| Total deposits | ₱2.49t |
| Loan to deposit ratio | Appropriate |
| Bad loans | 1.8% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | ₱97.64b |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: BPHL.Y's Assets to Equity ratio (7.3x) is low.
Allowance for Bad Loans: BPHL.Y has a sufficient allowance for bad loans (162%).
Low Risk Liabilities: 91% of BPHL.Y's liabilities are made up of primarily low risk sources of funding.
Loan Level: BPHL.Y has an appropriate level of Loans to Assets ratio (66%).
Low Risk Deposits: BPHL.Y's Loans to Deposits ratio (85%) is appropriate.
Level of Bad Loans: BPHL.Y has an appropriate level of bad loans (1.8%).