PBCOM Internal Banking System
Executive Overview
KPI Overview
As of
₱142.8B
Total Deposits
+3.2% vs last month
₱98.4B
Total Loan Portfolio
+1.8% MoM
₱2.14B
Net Income (YTD)
+12.4% YoY
1.24M
Active Accounts
+4,210 this month
312
New Accounts Today
Avg: 287/day
28.6%
Liquidity Ratio (LCR)
Above 20% min
14.2%
Capital Adequacy (CAR)
Above 10% BSP req.
2.84%
NPL Ratio
-0.12% from last qtr
Financial Performance
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📈 Deposit Growth Trend
Monthly deposits over the past 12 months (in Billion ₱)
💰 Revenue Breakdown
Interest vs. Non-Interest Income
📉 Loan Releases vs. Collections
Quarterly comparison (in Billion ₱)
🏦 Asset vs. Liability Overview
Monthly balance sheet snapshot (in Billion ₱)
Branch Performance Comparison
Top 8 branches by deposit volume (in Million ₱)
Customer Analytics
Manage Customers
Customer Segmentation
Distribution by client type
876,420
Retail
124,850
SME
12,340
Corporate
New Customer Growth Rate
Monthly new customer onboarding trend
Top High-Value Clients
By total portfolio value
| Client | Type | Portfolio |
|---|---|---|
| Ayala Corp. | Corp | ₱4.2B |
| SM Investments | Corp | ₱3.8B |
| ICTSI Group | Corp | ₱2.9B |
| Robinsons Land | Corp | ₱2.4B |
| Jollibee Foods | Corp | ₱1.8B |
| Vista Land | SME | ₱980M |
Risk & Compliance
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Compliance Snapshot
Real-time regulatory status
AML Alerts
Pending review
23
STR Reports
This month
8
KYC Pending
Awaiting verification
142
Compliance Status
BSP Regulatory
Credit Risk Distribution
Loan portfolio by risk classification
Pass (AAA–BBB)72.4%
Special Mention14.8%
Substandard7.2%
Doubtful3.6%
Loss2.0%
Overdue Loans Summary
Past-due classification
Operations Monitoring
System Console
System Health Status
Core banking infrastructure
Core Banking (Temenos)99.97%
Online Banking Portal99.91%
Mobile App99.88%
ATM Network (BancNet)98.4%
SWIFT Messaging100%
Branch #42 (Cebu)Offline
Transaction Volume Today
Hourly transaction count across all channels
48,241
Total Transactions
47,894
Successful
347
Failed Transactions
Support Tickets
Pending resolution by category
14
Account Issues
12
ATM Complaints
9
Online Banking
7
Other
User & Staff Activity
38
Active Admin Users
214
Staff Online Now
Recent Logins
Last 5 admin access events
| User | Role | Time | Status |
|---|---|---|---|
| J. Reyes | Executive Admin | 09:02 AM | Active |
| M. Santos | Risk Officer | 08:47 AM | Active |
| L. Cruz | Branch Manager | 08:30 AM | Active |
| A. Dela Rosa | Compliance | 08:15 AM | Idle |
| R. Bautista | IT Admin | 07:58 AM | Remote |
Notifications & Alerts
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High-Value Transaction Flagged
₱45M wire transfer — Account #****8821 pending AML review
09:14 AM
Loan Approvals Pending
18 commercial loan applications awaiting executive sign-off
08:50 AM
Regulatory Deadline
BSP Circular 1169 compliance report due in 3 days
08:30 AM
System Maintenance
Scheduled downtime Feb 28, 11:00 PM – 1:00 AM (Core Banking)
07:00 AM
Internal Announcement
Q1 Performance Review meeting scheduled — March 5, 2025
Yesterday
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PBCOM Executive Dashboard · Philippine Bank of Communications · Confidential & Proprietary · For Internal Use Only