Art Cayanan

Leverage or Capital Adequacy Ratios Liquidity Ratios Coverage Ratios Profitability Ratios

Equity to total assets Equity/Customer Loans Capital Adequacy Ratio

CAR =

Tier 1 Capital + Tier 2 Capital Risk Weighted Assets

Tier 1 = Stockholders equity

Tier 2 = supplemental capital such as subordinated debt and convertible securities

Quasi-liquid assets/total assets Customer loans/deposits (LDR-Loansdeposits ratio)

Cash and other cash items Due from Bangko Sentral ng Pilipinas Due from other banks Interbank loans receivable Securities purchased under agreements to resell IFVPL Available for sale securities (AFS) HTM

ADA/NPL NPL (gross)/Total Loans NPL(gross)/Fair Value of Collateral

Net interest margin = Net interest income/Earning assets Operating expenses/(Net interest income + other income) Operating expenses/total assets ROA ROE

Due from BSP Due from other banks Inter-bank loans receivables Securities purchased under agreements to resell IFVPL AFS HTM Other investment securities Loans and advances