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BW FILE PHOTOBy Luisa Maria Jacinta C. Jocson, Senior ReporterTHE PHILIPPINE banking system’s nonperforming loan (NPL) ratio hit a five-month high in April, preliminary data from the Bangko Sentral ng Pilipinas (BSP) showed.Banks’ bad loan ratio rose to 3.39% in April from 3.3% in March.