<ul><li>The assets of the Philippines’ largest banks increased by 9.51% year on year to P26.84 trillion in the first quarter of 2025.</li><li>Total loans of these banks expanded by 13.46% to P14.03 trillion in the same period.</li><li>The growth in assets and loans can be attributed to lower interest rates, making borrowing cheaper.</li><li>Nonperforming loans ratio stood at 3.16% in the first quarter, indicating a slight increase compared to the previous quarter.</li><li>The net NPL ratio decreased to 1.42% from 1.5% a year earlier.</li><li>The median return on equity for these banks fell to 7.3% from 8.01% in the same period last year.</li><li>The capital adequacy ratio of the banks reached 19.71% in the first quarter, exceeding regulatory requirements.</li><li>The leverage ratio stood at a median of 11.27%, higher than both the central bank's guideline and international standards.</li><li>Return on assets climbed to 1.71% in the first quarter, indicating an increase in profitability.</li><li>BDO Unibank, Inc. remained the largest bank by total assets, while BDO also led in total loans and deposits in the industry.</li></ul>

Assets of Philippines’ largest banks expand by 9.5% in 1st quarter

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