Opo, narito po ang mga saging at mansanas na ilalagay ko sa ref.

Opo means yes, but it is the polite form. You use it when speaking respectfully to someone older, a customer, a teacher, or anyone you want to address politely.

• oo = plain yes
• opo = polite yes

So Opo at the start of the sentence adds respect.

They do related but different jobs:

• opo is already a polite way to say yes
• po is a politeness particle added inside the sentence

So:

• Opo = Yes, respectfully
• narito po = here it is/are, respectfully

Using both is very natural if the speaker wants to sound polite throughout the whole response.

Narito means here is or here are.

In this sentence, it introduces the things being presented:

• narito po ang mga saging at mansanas
  = here are the bananas and apples

It does not change for singular vs. plural the way English does. Context tells you whether to translate it as here is or here are.

They are close, but not exactly the same in feel.

• narito = here is/are, often used when presenting or pointing out something
• nandito = is here / are here, often used more for location

Compare:

• Narito po ang mga saging.
  = Here are the bananas.
• Nandito po ang mga saging.
  = The bananas are here.

Both can overlap in real speech, but narito sounds especially natural when handing over or showing something.

Ang marks the noun phrase that is the main topic or focus of the sentence.

Here, ang mga saging at mansanas is the thing being presented:

• narito po ang mga saging at mansanas

A beginner might want to translate ang as the, and sometimes that works, but it is better to think of ang as a grammatical marker, not a direct English equivalent.

Mga is the plural marker. In a list, it can cover the whole coordinated noun phrase:

• ang mga saging at mansanas

This is understood as the bananas and apples.

You could also say:

• ang mga saging at mga mansanas

But using mga only once is very common and natural.

Because it is a modifier describing those nouns. It works like a relative clause in English:

• ang mga saging at mansanas na ilalagay ko sa ref
• the bananas and apples that I will put in the fridge

The word na links the noun phrase to the clause that describes it.

So:

• saging at mansanas = bananas and apples
• na ilalagay ko sa ref = that I will put in the fridge

Here, na is a linker. It connects a noun to a description or modifying phrase.

In this sentence:

• mansanas na ilalagay ko sa ref

This does not mean na by itself means that in every situation. But in English, this whole structure is often translated using that:

• apples that I will put in the fridge

So the best way to think of it is: na links the noun to what describes it.

This is a very important Filipino pattern.

• ilalagay ko focuses on the thing being put
• maglalagay ako focuses more on the doer, I

Since the sentence is about the bananas and apples, Filipino uses the form that puts attention on the object:

• ang mga saging at mansanas na ilalagay ko sa ref

Literally, this is closer to:

• the bananas and apples that will be put by me in the fridge

But natural English is:

• the bananas and apples that I will put in the fridge

So ko means by me / my, depending on context, and here it marks the actor with an object-focused verb.

More accurately, it shows contemplated aspect, which usually corresponds to the future in English.

• root: lagay = put/place
• ilalagay = will put / will place

So in this sentence, it means the speaker has not put them in the fridge yet, but plans to.

Sa is a location marker, often translated as in, at, to, on, depending on context.

• sa ref = in the fridge

Ref is a very common shortened borrowed word from English refrigerator. It is informal and natural in everyday speech.

You may also hear:

• sa refrigerator
• sa pridyeder / repridyer in more localized pronunciation or spelling

But sa ref is very common in conversation.

You can break it down, but the best English translation will not be perfectly word-for-word.

A rough breakdown is:

• Opo = Yes
• narito po = here is/are
• ang mga saging at mansanas = the bananas and apples
• na ilalagay ko sa ref = that I will put in the fridge

Natural English:

• Yes, here are the bananas and apples that I will put in the fridge.

That is much better than forcing every Filipino word into an exact English slot.

It sounds polite and fairly natural.

Why it sounds polite:

• Opo
• po

Why it sounds everyday and conversational:

• ref is informal and very common in speech

So the sentence is a nice mix of respectful and natural spoken Filipino.