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  ______     ___      _____     ______    ____    
 /_   _//   / _ \\   / ____||  /_   _//  |  _ \\  
 `-| |,-   / //\ \\ / //---`'   -| ||-   | |_| || 
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   |_||   |_||  |_|| \_____||  /_____//  |_|\_\\  
   `-`'   `-`   `-`   `----`   `-----`   `-` --`

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Text this: A panel analysis of Philippine banks’ loan portfolio quality in relation to their bank lending rates, bank performance, and key accounts