As the table below suggests, it seems that around 48 banks (highlighted in yellow) fall into this deficiency.
| Philippine Banking System | |||
| NPL Coverage Ratio | |||
| September 30, 2013 | |||
| Bank | Loan Loss Provisions | Gross NPLs | NPL Coverage Ratio |
| MARITIME SAVINGS BANK CORPORATION | 2,755,197.36 | 21,081,945.79 | 13.07% |
| THE REAL BANK (A THRIFT BANK) INC | 526,788,211.44 | 3,676,265,796.17 | 14.33% |
| OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE THRIFT BANK) | 14,037,329.53 | 86,081,823.47 | 16.31% |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 1,315,623.91 | 6,021,526.16 | 21.85% |
| LIFE SAVINGS BANK INC | 2,499,806.08 | 11,066,411.65 | 22.59% |
| ALLIED SAVINGS BANK | 97,689,310.15 | 427,675,246.13 | 22.84% |
| ASIA UNITED BANK CORPORATION | 346,908,757.50 | 1,484,724,998.75 | 23.37% |
| NORTHPOINT DEV'T BANK INC | 10,416,512.17 | 41,343,785.62 | 25.19% |
| METRO CEBU PUBLIC SAVINGS BANK | 2,398,407.23 | 9,259,450.09 | 25.90% |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 25,421,979.33 | 90,697,987.61 | 28.03% |
| PROGRESS SAVINGS AND LOAN BANK INC | 350,304.43 | 1,239,886.20 | 28.25% |
| ILOILO CITY DEVELOPMENT BANK | 6,841,846.23 | 24,049,605.18 | 28.45% |
| EQUICOM SAVINGS BANK INC | 65,569,309.41 | 226,206,776.15 | 28.99% |
| CENTURY SAVINGS BANK CORPORATION | 12,647,178.45 | 40,262,101.54 | 31.41% |
| LUZON DEVELOPMENT BANK | 73,383,717.80 | 219,963,748.95 | 33.36% |
| COMSAVINGS BANK | 60,506,624.39 | 180,956,095.42 | 33.44% |
| BANK ONE SAVINGS AND TRUST CORP. | 6,814,595.47 | 20,076,854.81 | 33.94% |
| PLANTERS DEVELOPMENT BANK | 1,149,408,436.37 | 3,305,372,801.44 | 34.77% |
| MALASIQUI PROGRESSIVE SLB, INC | 6,470,762.05 | 17,567,906.25 | 36.83% |
| ENTERPRISE BANK INC (A THRIFT BANK) | 45,202,575.16 | 121,575,888.04 | 37.18% |
| PRODUCERS SAVINGS BANK CORPORATION | 79,316,012.39 | 202,521,421.54 | 39.16% |
| HIYAS BANKING CORPORATION | 12,588,045.27 | 31,733,803.62 | 39.67% |
| BATAAN DEVELOPMENT BANK | 14,648,342.79 | 35,501,329.21 | 41.26% |
| PAMPANGA DEVELOPMENT BANK | 17,188,806.56 | 40,236,948.19 | 42.72% |
| SILANGAN SAVINGS & LOAN BANK INC | 8,293,170.71 | 19,342,509.99 | 42.88% |
| BUSINESS AND CONSUMERS BANK (A DB) | 7,147,375.56 | 16,543,047.39 | 43.20% |
| DUNGGANON BANK (A MICROFINANCE THRIFT | 8,342,028.88 | 19,265,232.54 | 43.30% |
| WEALTH DEVELOPMENT BANK CORPORATION | 56,853,212.07 | 127,076,803.11 | 44.74% |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 378,289,259.22 | 782,703,074.20 | 48.33% |
| PHILIPPINE RESOURCES SAVINGS BANKING | 279,030,301.24 | 530,093,760.55 | 52.64% |
| MALAYAN BANK SAVINGS AND MORT BANK INC | 167,201,180.52 | 307,337,266.81 | 54.40% |
| LEMERY SAVINGS & LOAN BANK, INC. | 5,008,824.64 | 8,615,082.76 | 58.14% |
| CITYSTATE SAVINGS BANK INC | 27,682,977.13 | 47,071,949.74 | 58.81% |
| CHINA BANK SAVINGS INC | 133,392,773.32 | 226,221,032.39 | 58.97% |
| UNIVERSITY SAVINGS BANK INC | 35,709,066.20 | 56,256,741.84 | 63.48% |
| DUMAGUETE CITY DEVELOPMENT BANK INC | 17,300,528.04 | 27,051,197.57 | 63.95% |
| MICROFINANCE MAXIMUM SB INC | 779,614.11 | 1,195,287.06 | 65.22% |
| FARMERS SAVINGS & LOAN BANK INC | 27,008,200.05 | 41,146,586.00 | 65.64% |
| VILLAGE BANK INC (A THRIFT BANK) | 17,342,200.42 | 26,309,046.44 | 65.92% |
| MAYBANK PHILIPPINES INC | 722,355,900.75 | 1,086,048,088.92 | 66.51% |
| RCBC SAVINGS BANK INC | 1,395,339,512.49 | 2,058,816,470.70 | 67.77% |
| PRIDE STAR DEVELOPMENT BANK INC | 6,090,315.48 | 8,634,935.83 | 70.53% |
| EAST WEST BANKING CORP | 3,423,561,712.01 | 4,729,518,467.90 | 72.39% |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 24,216,873.63 | 32,495,043.40 | 74.52% |
| WORLD PARTNERS BANK (A THRIFT BANK) | 67,995,384.68 | 88,154,241.39 | 77.13% |
| BATAAN SAVINGS AND LOAN BANK | 2,137,583.98 | 2,770,214.85 | 77.16% |
| SECURITY BANK SAVINGS CORPORATION | 611,132,584.13 | 771,924,973.74 | 79.17% |
| TONG YANG SAVINGS BANK INC | 93,476,547.29 | 117,167,791.14 | 79.78% |
| BPI GLOBE BANKO INC A SAVINGS BANK | 149,827,599.44 | 184,972,059.46 | 81.00% |
| BANK OF COMMERCE | 3,263,906,977.90 | 4,016,356,222.98 | 81.27% |
| THE PALAWAN BANK (PALAWAN DB) INC | 10,510,692.74 | 12,816,840.35 | 82.01% |
| BPI FAMILY SAVINGS BANK INC | 3,898,306,266.22 | 4,587,952,154.71 | 84.97% |
| UNITED COCONUT PLANTERS BANK | 4,884,292,003.51 | 5,741,683,988.58 | 85.07% |
| TOWER DEVELOPMENT BANK | 8,420,489.57 | 9,855,607.32 | 85.44% |
| INTER-ASIA DEVELOPMENT BANK | 2,897,885.27 | 3,346,585.72 | 86.59% |
| SAMPAGUITA SAVINGS BANK INC | 21,561,538.64 | 24,566,592.56 | 87.77% |
| PHILIPPINE BUSINESS BANK INC A SAVINGS | 629,667,501.15 | 713,515,607.33 | 88.25% |
| PHILIPPINE POSTAL SAVINGS BANK INC | 331,359,287.05 | 365,776,413.52 | 90.59% |
| PHILIPPINE VETERANS BANK | 1,022,995,980.01 | 1,126,133,863.31 | 90.84% |
| PHILIPPINE NATIONAL BANK | 9,704,191,604.78 | 10,326,705,113.23 | 93.97% |
| FIRST CONSOLIDATED BANK INC (A PDB) | 435,168,128.95 | 439,534,380.11 | 99.01% |
| CITIBANK SAVINGS INC | 2,711,660,215.09 | 2,725,163,565.91 | 99.50% |
| DEVELOPMENT BANK OF THE PHILIPPINES | 5,748,150,904.06 | 5,747,728,689.61 | 100.01% |
| UNITED OVERSEAS BANK PHILIPPINES | 666,156,502.81 | 664,875,061.65 | 100.19% |
| ROBINSONS BANK CORPORATION | 448,101,571.11 | 426,874,861.97 | 104.97% |
| CITY SAVINGS BANK INC | 263,506,197.25 | 248,807,968.00 | 105.91% |
| PHIL BANK OF COMMUNICATIONS | 1,415,602,379.93 | 1,331,723,088.72 | 106.30% |
| PACIFIC ACE SAVINGS BANK INC | 5,831,514.14 | 5,392,641.51 | 108.14% |
| RIZAL COMMERCIAL BANKING CORP | 4,195,412,782.27 | 3,813,174,399.56 | 110.02% |
| SUN SAVINGS BANK INC | 6,983,097.02 | 6,245,559.79 | 111.81% |
| UNION BANK OF THE PHILIPPINES | 10,474,098,474.06 | 9,281,609,151.50 | 112.85% |
| CTBC BANK (PHILIPPINES) CORPORATION | 339,842,558.82 | 293,736,854.58 | 115.70% |
| BPI DIRECT SAVINGS BANK INC | 179,438,997.16 | 154,650,566.46 | 116.03% |
| PHILIPPINE SAVINGS BANK | 4,440,018,970.72 | 3,746,195,124.94 | 118.52% |
| STANDARD CHARTERED BANK | 1,283,549,562.49 | 1,073,584,225.34 | 119.56% |
| CORDILLERA SAVINGS BANK INC | 20,158,075.79 | 16,690,807.03 | 120.77% |
| HONGKONG & SHANGHAI BANKING CORPORATION | 924,382,521.13 | 719,591,328.75 | 128.46% |
| BANK OF THE PHILIPPINE ISLANDS | 10,222,288,689.92 | 7,459,301,933.47 | 137.04% |
| LAND BANK OF THE PHILIPPINES | 12,738,957,884.59 | 9,217,532,081.02 | 138.20% |
| BDO UNIBANK INC | 32,342,917,673.23 | 22,361,024,360.61 | 144.64% |
| UCPB SAVINGS BANK | 350,261,874.20 | 238,181,901.40 | 147.06% |
| HSBC SAVINGS BANK (PHILS) INC | 193,052,911.44 | 130,672,215.76 | 147.74% |
| CHINA BANKING CORPORATION | 7,000,428,960.83 | 4,718,030,496.01 | 148.38% |
| MERCHANTS SAVINGS & LOAN ASSOCIATION INC | 4,821,110.57 | 3,144,449.34 | 153.32% |
| CARD SME BANK INC A THRIFT BANK | 29,230,731.85 | 18,325,325.68 | 159.51% |
| PHILIPPINE TRUST COMPANY | 1,967,493,051.56 | 1,147,542,163.55 | 171.45% |
| KOREA EXCHANGE BANK | 98,698,140.37 | 41,519,190.16 | 237.72% |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 2,998,213.08 | 1,156,048.97 | 259.35% |
| METROPOLITAN BANK & TRUST CO | 8,297,403,841.21 | 2,923,573,649.37 | 283.81% |
| SECURITY BANK CORPORATION | 2,339,846,759.96 | 740,210,526.40 | 316.11% |
| OPTIMUM DEVELOPMENT BANK INC | 44,661,296.13 | 13,837,575.70 | 322.75% |
| CITIBANK, N.A. | 5,425,724,956.57 | 790,687,359.90 | 686.20% |
| ANZ BANKING GROUP LTD | 264,857,945.34 | 23,339,114.85 | 1134.82% |
| JP MORGAN CHASE BANK NATIONAL ASSOCIATION | 15,435,400.00 | 734,885.22 | 2100.38% |
| BANGKOK BANK PUBLIC CO LTD | 127,364,870.00 | 5,034,155.55 | 2530.01% |
| INTERNATIONALE NEDERLANDEN GROEP BK | 167,503,858.26 | 89.08 | 188037559.79% |
| BANK OF AMERICA N.A. | 10,250,004.00 | 4.00 | 256250100.00% |
| BANK OF CHINA LIMITED-MANILA BRANCH | 59,231,492.72 | 0.00 | NA |
| BDO ELITE SAVINGS BANK INC | 0.00 | 0.00 | NA |
| BDO PRIVATE BANK, INC. | 48,860,938.02 | 0.00 | NA |
| DEUTSCHE BANK AG | 194,961,088.56 | 0.00 | NA |
| ISLA BANK (A THRIFT BANK) INC | 4,024,580.33 | 0.00 | NA |
| MEGA INTERNATIONAL COMMERCIAL BANK CO LTD | 206,566,716.20 | 0.00 | NA |
| MIZUHO BANK LTD - MANILA BRANCH | 294,448,818.10 | 0.00 | NA |
| THE BANK OF TOKYO-MITSUBISHI UFJ LTD | 354,910,030.46 | 0.00 | NA |
| Grand Total | 150,390,056,934.60 | 129,096,349,834.78 | 116.49% |
Raising the NPL Coverage Ratio to a minimum of 80% will entail additional loan loss provisions for some banks that could eat into a substantial chunk (20% or more) of their Stockholder's Equity. Based on the table below, around 12 banks will be severely affected:
| Philippine Banking System | ||||||
| Impact on SE of Minimum Loan Loss Provisions | ||||||
| September 30, 2013 | ||||||
| Bank | Gross NPLs | Minimum Loan Loss Provisions at 80% NPL Coverage Ratio | Actual Loan Loss Provisions | Excess/Deficit Loan Loss Provisions | Stockholder's Equity | Impact on SE |
| THE REAL BANK (A THRIFT BANK) INC | 3,676,265,796.17 | 2,941,012,636.94 | 526,788,211.44 | -2,414,224,425.50 | 760,367,463.02 | -317.51% |
| OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE THRIFT BANK) | 86,081,823.47 | 68,865,458.78 | 14,037,329.53 | -54,828,129.25 | 74,291,602.90 | -73.80% |
| SILANGAN SAVINGS & LOAN BANK INC | 19,342,509.99 | 15,474,007.99 | 8,293,170.71 | -7,180,837.28 | 10,025,580.13 | -71.63% |
| PLANTERS DEVELOPMENT BANK | 3,305,372,801.44 | 2,644,298,241.15 | 1,149,408,436.37 | -1,494,889,804.78 | 3,133,227,648.33 | -47.71% |
| NORTHPOINT DEV'T BANK INC | 41,343,785.62 | 33,075,028.50 | 10,416,512.17 | -22,658,516.33 | 76,016,688.85 | -29.81% |
| COMSAVINGS BANK | 180,956,095.42 | 144,764,876.34 | 60,506,624.39 | -84,258,251.95 | 290,532,377.98 | -29.00% |
| ENTERPRISE BANK INC (A THRIFT BANK) | 121,575,888.04 | 97,260,710.43 | 45,202,575.16 | -52,058,135.27 | 189,654,635.05 | -27.45% |
| ALLIED SAVINGS BANK | 427,675,246.13 | 342,140,196.90 | 97,689,310.15 | -244,450,886.75 | 972,514,395.43 | -25.14% |
| LUZON DEVELOPMENT BANK | 219,963,748.95 | 175,970,999.16 | 73,383,717.80 | -102,587,281.36 | 422,992,285.10 | -24.25% |
| EQUICOM SAVINGS BANK INC | 226,206,776.15 | 180,965,420.92 | 65,569,309.41 | -115,396,111.51 | 486,433,820.41 | -23.72% |
| MARITIME SAVINGS BANK CORPORATION | 21,081,945.79 | 16,865,556.63 | 2,755,197.36 | -14,110,359.27 | 66,310,245.43 | -21.28% |
| BATAAN DEVELOPMENT BANK | 35,501,329.21 | 28,401,063.37 | 14,648,342.79 | -13,752,720.58 | 65,886,982.35 | -20.87% |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 90,697,987.61 | 72,558,390.09 | 25,421,979.33 | -47,136,410.76 | 266,219,853.55 | -17.71% |
| ILOILO CITY DEVELOPMENT BANK | 24,049,605.18 | 19,239,684.14 | 6,841,846.23 | -12,397,837.91 | 76,402,736.36 | -16.23% |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 782,703,074.20 | 626,162,459.36 | 378,289,259.22 | -247,873,200.14 | 1,668,574,318.71 | -14.86% |
| PAMPANGA DEVELOPMENT BANK | 40,236,948.19 | 32,189,558.55 | 17,188,806.56 | -15,000,751.99 | 106,022,568.94 | -14.15% |
| MALASIQUI PROGRESSIVE SLB, INC | 17,567,906.25 | 14,054,325.00 | 6,470,762.05 | -7,583,562.95 | 54,435,015.90 | -13.93% |
| WEALTH DEVELOPMENT BANK CORPORATION | 127,076,803.11 | 101,661,442.49 | 56,853,212.07 | -44,808,230.42 | 401,547,654.84 | -11.16% |
| LIFE SAVINGS BANK INC | 11,066,411.65 | 8,853,129.32 | 2,499,806.08 | -6,353,323.24 | 64,886,737.17 | -9.79% |
| PHILIPPINE RESOURCES SAVINGS BANKING | 530,093,760.55 | 424,075,008.44 | 279,030,301.24 | -145,044,707.20 | 1,527,666,933.73 | -9.49% |
| DUNGGANON BANK (A MICROFINANCE THRIFT | 19,265,232.54 | 15,412,186.03 | 8,342,028.88 | -7,070,157.15 | 84,133,843.30 | -8.40% |
| HIYAS BANKING CORPORATION | 31,733,803.62 | 25,387,042.90 | 12,588,045.27 | -12,798,997.63 | 159,014,472.02 | -8.05% |
| METRO CEBU PUBLIC SAVINGS BANK | 9,259,450.09 | 7,407,560.07 | 2,398,407.23 | -5,009,152.84 | 63,907,837.08 | -7.84% |
| BUSINESS AND CONSUMERS BANK (A DB) | 16,543,047.39 | 13,234,437.91 | 7,147,375.56 | -6,087,062.35 | 81,435,262.58 | -7.47% |
| MALAYAN BANK SAVINGS AND MORT BANK INC | 307,337,266.81 | 245,869,813.45 | 167,201,180.52 | -78,668,632.93 | 1,081,058,516.12 | -7.28% |
| PRODUCERS SAVINGS BANK CORPORATION | 202,521,421.54 | 162,017,137.23 | 79,316,012.39 | -82,701,124.84 | 1,173,120,829.04 | -7.05% |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 6,021,526.16 | 4,817,220.93 | 1,315,623.91 | -3,501,597.02 | 58,237,618.64 | -6.01% |
| FARMERS SAVINGS & LOAN BANK INC | 41,146,586.00 | 32,917,268.80 | 27,008,200.05 | -5,909,068.75 | 112,083,965.94 | -5.27% |
| VILLAGE BANK INC (A THRIFT BANK) | 26,309,046.44 | 21,047,237.15 | 17,342,200.42 | -3,705,036.73 | 73,694,723.45 | -5.03% |
| ASIA UNITED BANK CORPORATION | 1,484,724,998.75 | 1,187,779,999.00 | 346,908,757.50 | -840,871,241.50 | 17,857,415,118.55 | -4.71% |
| CHINA BANK SAVINGS INC | 226,221,032.39 | 180,976,825.91 | 133,392,773.32 | -47,584,052.59 | 1,082,493,058.81 | -4.40% |
| UNIVERSITY SAVINGS BANK INC | 56,256,741.84 | 45,005,393.47 | 35,709,066.20 | -9,296,327.27 | 211,977,767.06 | -4.39% |
| RCBC SAVINGS BANK INC | 2,058,816,470.70 | 1,647,053,176.56 | 1,395,339,512.49 | -251,713,664.07 | 7,385,685,863.54 | -3.41% |
| LEMERY SAVINGS & LOAN BANK, INC. | 8,615,082.76 | 6,892,066.21 | 5,008,824.64 | -1,883,241.57 | 68,438,323.19 | -2.75% |
| WORLD PARTNERS BANK (A THRIFT BANK) | 88,154,241.39 | 70,523,393.11 | 67,995,384.68 | -2,528,008.43 | 104,831,569.74 | -2.41% |
| CENTURY SAVINGS BANK CORPORATION | 40,262,101.54 | 32,209,681.23 | 12,647,178.45 | -19,562,502.78 | 911,189,647.34 | -2.15% |
| DUMAGUETE CITY DEVELOPMENT BANK INC | 27,051,197.57 | 21,640,958.06 | 17,300,528.04 | -4,340,430.02 | 207,683,079.52 | -2.09% |
| EAST WEST BANKING CORP | 4,729,518,467.90 | 3,783,614,774.32 | 3,423,561,712.01 | -360,053,062.31 | 18,780,806,566.60 | -1.92% |
| BANK ONE SAVINGS AND TRUST CORP. | 20,076,854.81 | 16,061,483.85 | 6,814,595.47 | -9,246,888.38 | 540,089,692.66 | -1.71% |
| MAYBANK PHILIPPINES INC | 1,086,048,088.92 | 868,838,471.14 | 722,355,900.75 | -146,482,570.39 | 10,140,595,987.28 | -1.44% |
| CITYSTATE SAVINGS BANK INC | 47,071,949.74 | 37,657,559.79 | 27,682,977.13 | -9,974,582.66 | 790,545,549.10 | -1.26% |
| PRIDE STAR DEVELOPMENT BANK INC | 8,634,935.83 | 6,907,948.66 | 6,090,315.48 | -817,633.18 | 69,970,467.36 | -1.17% |
| PROGRESS SAVINGS AND LOAN BANK INC | 1,239,886.20 | 991,908.96 | 350,304.43 | -641,604.53 | 83,394,670.11 | -0.77% |
| SECURITY BANK SAVINGS CORPORATION | 771,924,973.74 | 617,539,978.99 | 611,132,584.13 | -6,407,394.86 | 1,095,151,496.40 | -0.59% |
| MICROFINANCE MAXIMUM SB INC | 1,195,287.06 | 956,229.65 | 779,614.11 | -176,615.54 | 53,366,623.19 | -0.33% |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 32,495,043.40 | 25,996,034.72 | 24,216,873.63 | -1,779,161.09 | 656,057,455.54 | -0.27% |
| BATAAN SAVINGS AND LOAN BANK | 2,770,214.85 | 2,216,171.88 | 2,137,583.98 | -78,587.90 | 71,221,347.13 | -0.11% |
| TONG YANG SAVINGS BANK INC | 117,167,791.14 | 93,734,232.91 | 93,476,547.29 | -257,685.62 | 389,060,296.20 | -0.07% |
| BDO ELITE SAVINGS BANK INC | 0.00 | 0.00 | 0.00 | 0.00 | 1,600,883,444.68 | 0.00% |
| BANK OF COMMERCE | 4,016,356,222.98 | 3,213,084,978.38 | 3,263,906,977.90 | 50,821,999.52 | 15,518,003,350.98 | 0.33% |
| INTER-ASIA DEVELOPMENT BANK | 3,346,585.72 | 2,677,268.58 | 2,897,885.27 | 220,616.69 | 52,621,713.94 | 0.42% |
| MERCHANTS SAVINGS & LOAN ASSOCIATION INC | 3,144,449.34 | 2,515,559.47 | 4,821,110.57 | 2,305,551.10 | 506,500,666.78 | 0.46% |
| TOWER DEVELOPMENT BANK | 9,855,607.32 | 7,884,485.86 | 8,420,489.57 | 536,003.71 | 110,445,201.58 | 0.49% |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 1,156,048.97 | 924,839.18 | 2,998,213.08 | 2,073,373.90 | 406,949,575.79 | 0.51% |
| BPI GLOBE BANKO INC A SAVINGS BANK | 184,972,059.46 | 147,977,647.57 | 149,827,599.44 | 1,849,951.87 | 326,013,506.53 | 0.57% |
| ISLA BANK (A THRIFT BANK) INC | 0.00 | 0.00 | 4,024,580.33 | 4,024,580.33 | 640,603,002.19 | 0.63% |
| JP MORGAN CHASE BANK NATIONAL ASSOCIATION | 734,885.22 | 587,908.18 | 15,435,400.00 | 14,847,491.82 | 2,148,653,104.95 | 0.69% |
| BDO PRIVATE BANK, INC. | 0.00 | 0.00 | 48,860,938.02 | 48,860,938.02 | 6,254,571,149.37 | 0.78% |
| PHILIPPINE BUSINESS BANK INC A SAVINGS | 713,515,607.33 | 570,812,485.86 | 629,667,501.15 | 58,855,015.29 | 7,262,313,325.38 | 0.81% |
| THE PALAWAN BANK (PALAWAN DB) INC | 12,816,840.35 | 10,253,472.28 | 10,510,692.74 | 257,220.46 | 24,105,699.34 | 1.07% |
| BPI FAMILY SAVINGS BANK INC | 4,587,952,154.71 | 3,670,361,723.77 | 3,898,306,266.22 | 227,944,542.45 | 17,392,299,117.83 | 1.31% |
| UNITED COCONUT PLANTERS BANK | 5,741,683,988.58 | 4,593,347,190.86 | 4,884,292,003.51 | 290,944,812.65 | 20,746,333,625.69 | 1.40% |
| CTBC BANK (PHILIPPINES) CORPORATION | 293,736,854.58 | 234,989,483.66 | 339,842,558.82 | 104,853,075.16 | 6,445,548,838.27 | 1.63% |
| BANK OF AMERICA N.A. | 4.00 | 3.20 | 10,250,004.00 | 10,250,000.80 | 596,946,705.20 | 1.72% |
| PHILIPPINE VETERANS BANK | 1,126,133,863.31 | 900,907,090.65 | 1,022,995,980.01 | 122,088,889.36 | 6,992,435,561.67 | 1.75% |
| SUN SAVINGS BANK INC | 6,245,559.79 | 4,996,447.83 | 6,983,097.02 | 1,986,649.19 | 108,751,688.11 | 1.83% |
| PHILIPPINE NATIONAL BANK | 10,326,705,113.23 | 8,261,364,090.58 | 9,704,191,604.78 | 1,442,827,514.20 | 76,832,904,546.38 | 1.88% |
| ROBINSONS BANK CORPORATION | 426,874,861.97 | 341,499,889.58 | 448,101,571.11 | 106,601,681.53 | 5,351,042,759.62 | 1.99% |
| PACIFIC ACE SAVINGS BANK INC | 5,392,641.51 | 4,314,113.21 | 5,831,514.14 | 1,517,400.93 | 74,921,481.62 | 2.03% |
| CITY SAVINGS BANK INC | 248,807,968.00 | 199,046,374.40 | 263,506,197.25 | 64,459,822.85 | 2,910,703,059.42 | 2.21% |
| RIZAL COMMERCIAL BANKING CORP | 3,813,174,399.56 | 3,050,539,519.65 | 4,195,412,782.27 | 1,144,873,262.62 | 46,084,616,203.42 | 2.48% |
| DEVELOPMENT BANK OF THE PHILIPPINES | 5,747,728,689.61 | 4,598,182,951.69 | 5,748,150,904.06 | 1,149,967,952.37 | 40,032,419,521.04 | 2.87% |
| HSBC SAVINGS BANK (PHILS) INC | 130,672,215.76 | 104,537,772.61 | 193,052,911.44 | 88,515,138.83 | 2,844,445,241.76 | 3.11% |
| SAMPAGUITA SAVINGS BANK INC | 24,566,592.56 | 19,653,274.05 | 21,561,538.64 | 1,908,264.59 | 55,513,886.63 | 3.44% |
| FIRST CONSOLIDATED BANK INC (A PDB) | 439,534,380.11 | 351,627,504.09 | 435,168,128.95 | 83,540,624.86 | 2,060,481,532.50 | 4.05% |
| BANK OF THE PHILIPPINE ISLANDS | 7,459,301,933.47 | 5,967,441,546.78 | 10,222,288,689.92 | 4,254,847,143.14 | 101,513,950,073.79 | 4.19% |
| SECURITY BANK CORPORATION | 740,210,526.40 | 592,168,421.12 | 2,339,846,759.96 | 1,747,678,338.84 | 40,439,589,096.64 | 4.32% |
| METROPOLITAN BANK & TRUST CO | 2,923,573,649.37 | 2,338,858,919.50 | 8,297,403,841.21 | 5,958,544,921.71 | 132,913,338,941.49 | 4.48% |
| OPTIMUM DEVELOPMENT BANK INC | 13,837,575.70 | 11,070,060.56 | 44,661,296.13 | 33,591,235.57 | 718,776,831.06 | 4.67% |
| PHILIPPINE TRUST COMPANY | 1,147,542,163.55 | 918,033,730.84 | 1,967,493,051.56 | 1,049,459,320.72 | 20,331,893,875.73 | 5.16% |
| INTERNATIONALE NEDERLANDEN GROEP BK | 89.08 | 71.26 | 167,503,858.26 | 167,503,787.00 | 3,132,011,905.89 | 5.35% |
| PHILIPPINE POSTAL SAVINGS BANK INC | 365,776,413.52 | 292,621,130.82 | 331,359,287.05 | 38,738,156.23 | 679,474,343.21 | 5.70% |
| HONGKONG & SHANGHAI BANKING CORPORATION | 719,591,328.75 | 575,673,063.00 | 924,382,521.13 | 348,709,458.13 | 5,814,019,507.53 | 6.00% |
| BPI DIRECT SAVINGS BANK INC | 154,650,566.46 | 123,720,453.17 | 179,438,997.16 | 55,718,543.99 | 927,369,890.78 | 6.01% |
| CARD SME BANK INC A THRIFT BANK | 18,325,325.68 | 14,660,260.54 | 29,230,731.85 | 14,570,471.31 | 237,063,154.84 | 6.15% |
| UCPB SAVINGS BANK | 238,181,901.40 | 190,545,521.12 | 350,261,874.20 | 159,716,353.08 | 2,567,896,185.64 | 6.22% |
| CORDILLERA SAVINGS BANK INC | 16,690,807.03 | 13,352,645.62 | 20,158,075.79 | 6,805,430.17 | 101,030,080.16 | 6.74% |
| PHIL BANK OF COMMUNICATIONS | 1,331,723,088.72 | 1,065,378,470.98 | 1,415,602,379.93 | 350,223,908.95 | 5,172,743,757.18 | 6.77% |
| LAND BANK OF THE PHILIPPINES | 9,217,532,081.02 | 7,374,025,664.82 | 12,738,957,884.59 | 5,364,932,219.77 | 74,177,444,655.41 | 7.23% |
| UNION BANK OF THE PHILIPPINES | 9,281,609,151.50 | 7,425,287,321.20 | 10,474,098,474.06 | 3,048,811,152.86 | 40,225,927,291.79 | 7.58% |
| CHINA BANKING CORPORATION | 4,718,030,496.01 | 3,774,424,396.81 | 7,000,428,960.83 | 3,226,004,564.02 | 41,068,572,860.31 | 7.86% |
| BANK OF CHINA LIMITED-MANILA BRANCH | 0.00 | 0.00 | 59,231,492.72 | 59,231,492.72 | 731,115,002.59 | 8.10% |
| ANZ BANKING GROUP LTD | 23,339,114.85 | 18,671,291.88 | 264,857,945.34 | 246,186,653.46 | 3,033,597,583.83 | 8.12% |
| PHILIPPINE SAVINGS BANK | 3,746,195,124.94 | 2,996,956,099.95 | 4,440,018,970.72 | 1,443,062,870.77 | 16,615,065,526.25 | 8.69% |
| DEUTSCHE BANK AG | 0.00 | 0.00 | 194,961,088.56 | 194,961,088.56 | 2,210,540,126.62 | 8.82% |
| BDO UNIBANK INC | 22,361,024,360.61 | 17,888,819,488.49 | 32,342,917,673.23 | 14,454,098,184.74 | 161,661,538,506.02 | 8.94% |
| BANGKOK BANK PUBLIC CO LTD | 5,034,155.55 | 4,027,324.44 | 127,364,870.00 | 123,337,545.56 | 1,160,083,398.87 | 10.63% |
| KOREA EXCHANGE BANK | 41,519,190.16 | 33,215,352.13 | 98,698,140.37 | 65,482,788.24 | 594,713,419.54 | 11.01% |
| STANDARD CHARTERED BANK | 1,073,584,225.34 | 858,867,380.27 | 1,283,549,562.49 | 424,682,182.22 | 2,965,820,722.31 | 14.32% |
| THE BANK OF TOKYO-MITSUBISHI UFJ LTD | 0.00 | 0.00 | 354,910,030.46 | 354,910,030.46 | 2,202,443,873.38 | 16.11% |
| UNITED OVERSEAS BANK PHILIPPINES | 664,875,061.65 | 531,900,049.32 | 666,156,502.81 | 134,256,453.49 | 653,858,984.70 | 20.53% |
| MIZUHO BANK LTD - MANILA BRANCH | 0.00 | 0.00 | 294,448,818.10 | 294,448,818.10 | 1,418,575,146.28 | 20.76% |
| MEGA INTERNATIONAL COMMERCIAL BANK CO LTD | 0.00 | 0.00 | 206,566,716.20 | 206,566,716.20 | 716,962,280.46 | 28.81% |
| CITIBANK SAVINGS INC | 2,725,163,565.91 | 2,180,130,852.73 | 2,711,660,215.09 | 531,529,362.36 | 1,574,388,139.34 | 33.76% |
| CITIBANK, N.A. | 790,687,359.90 | 632,549,887.92 | 5,425,724,956.57 | 4,793,175,068.65 | 7,472,192,198.87 | 64.15% |
| Grand Total | 129,096,349,834.78 | 103,277,079,867.82 | 150,390,056,934.60 | 47,112,977,066.78 | 1,010,513,696,062.85 | 4.66% |
Out of the 12 banks highlighted in yellow, 9 banks have been regularly listed as one of the "The Top Distressed Philippine Banks as of September 30, 2013". One of the banks on this list, Silangan Savings & Loan Bank Inc. failed very recently - last January 9, 2014. (See "A Short Analysis of Recent Bank Failures since the Failure of Banco Filipino - Updated"). Another bank, Planters Development Bank, faces a shortfall of 48% of its stated stockholders equity of Php 3.133 billion if it were to increase its loan loss provisions to meet a minimum NPL Coverage Ratio of 80%. Planters was recently acquired by China Banking Corporation, a much healthier bank, for Php 1.863 billion, which represents a 40% discount to Planters stated book value of Php 3.133 billion as of September 30, 2013 or a 41% premium to their actual book value of Php 1.323 billion (after subtracting for unbooked losses/deferred charges).
Another bank on this list, The Real Bank, will have to be recapitalized several times over to meet minimum loan loss provisions on its Gross NPLs.
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