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Wednesday, January 28, 2015

The Capital Adequacy Ratios of Philippine Banks - September 30, 2014

A bank's Capital Adequacy Ratio is a measure of a bank's capital and financial strength.  It is expressed as a percentage of a bank's risk weighted credit exposures.  It is also known as the "Capital to Risk Weighted Assets Ratio (CRAR).

The general formula is as follows:

CAR = (Tier 1 Capital + Tier 2 Capital)/Risk Weighted Assets

Tier 1 Capital

Tier 1 CAR is the ratio of a bank's core or equity capital to its total risk-weighted assets.  It measures financial strength from a regulator's point of view. Tier 1 Capital measures the bank's ability to absorb losses without a bank being required to cease trading.

The formula for Tier 1 Capital is as follows:

Tier 1 Capital = (Paid-up Capital + Statutory Reserves + Disclosed Free Reserves) - (Equity Investments in Subsidiary + Intangible Assets + Current & B/F losses)

Tier 1 CAR = Tier 1 Capital/Risk Weighted Assets

Tier 2 Capital

Tier 2 Capital is supplementary capital.  It measures the ability of a bank to absorb losses in the event of a winding up and so it provides a lesser degree of protection to depositors.

The formula for Tier 2 Capital is as follows:

 Tier 2 Capital = Undisclosed Reserves + General Loss Reserves + Hybrid Debt Capital Instruments and Subordinated Debts.


Common Equity Tier 1 Ratio

Investopedia defines the Common Equity Tier 1 Ratio as a capital adequacy ratio that: 



"...excludes any preferred shares or non-controlling interests when determining the calculation. This differs from the Tier 1 capital ratio which is based on the sum of its equity capital and disclosed reserves, and sometimes non-redeemable, non-cumulative preferred stock."
"...Regulators use the Tier 1 common capital ratio to grade a firm's capital adequacy as one of the following rankings: Well-Capitalized, Adequately Capitalized, Undercapitalized, Significantly Undercapitalized, and Critically Undercapitalized."

Well Capitalized: Common Equity Tier 1 Ratio of 6% or more and does not pay any dividends that would affect its capital base.

Adequately Capitalized: Common Equity Tier 1 Ratio of 4% or more.

Undercapitalized: Common Equity Tier 1 Ratio below 4%.

Significantly Undercapitalized: Common Equity Tier 1 Ratio below 3%.

Critically Undercapitalized: Common Equity Tier 1 Ratio below 2%.

Banks "ranked as Undercapitalized or below are prohibited from paying any dividends or management fees.  In addition, they are required to file a capital restoration plan."

For more information regarding this, please read the BIS Basel III definition of capital.


Risk Weighted Assets

Risk Weighted Assets are a bank's on balance sheet assets and off-balance sheet exposures, weighted according to risk.  Different classes of assets have different risk weightings.  For instance, cash on hand or a government bond has zero risk weighting and are subtracted from the total risk assets.  A loan would have a 100% risk weighthing - it would be counted towards the total risk assets of the bank.

More information about this can be found here.

Minimum Capital Requirements

International Guidelines

Basel III is the global requlatory standard on bank capital adequacy, stress testing, and market liquidity risk agreed upon by the members of the Basel Committee on Banking Supervision.

Under Basel III, the minimum Common Equity Tier 1 Capital Ratio is 4.5%, Tier 1 Capital Ratio is 6.0%, conservation buffer is 2.5%, and the minimum Total CAR is 8.0%.


For more information on Basel III, read this.

BSP Guidelines

The BSP issued new BASEL III Implementing Guidelines that will take effect on January 1, 2014. Under the new guidelines:

"Banks must now meet specific minimum thresholds for so-called Common Equity Tier 1 (CET1) capital and Tier 1 (T1) capital in addition to the Capital Adequacy Ratio (CAR). These regulatory thresholds effectively move banks worldwide to rely more on core capital instruments like CET1 and T1 issues. This is in lieu of hybrid instruments which did not fare well in the latest global crisis as far as absorbing losses. The ability to absorb losses is central to Basel III.
The BSP maintained the minimum Capital Adequacy Ratio (CAR) at 10.0 percent. In addition to CAR, the new framework sets a CET1 ratio of at least 6.0 percent and the Tier I capital ratio is at a minimum of 7.5 percent. 
The new guidelines also introduce a capital conservation buffer of 2.5 percent which shall be made up of CET1 capital. In addition, banks which issued capital instruments from 2011 will be allowed to count these instruments as Basel III-eligible until end-2015
Moreover, banks that are considered by the BSP as "too big to fail" (domestically systemically important banks) will have minimum common equity Tier 1 (CET1) Ratios that are higher by 1.5% to 3.5% higher than the existing minimum of 6.00% and the capital conservation buffer of 2.5%.

Under these guidelines, several Philippine Banks currently do not meet these guidelines as of September 30, 2014.  The banks that fail to meet BSP's minimum capital requirements are as follows:

TOTAL CAR

  1. Planters Development Bank (Total CAR of 3.88)
  2. Comsavings Bank (Total CAR of 4.57)
  3. The Palawan Bank (Total CAR of 7.92)

Tier One CAR
  1. 1st Valley Bank (Tier One CAR of 0.00)
  2. Business & Consumers Bank (Tier One CAR of 0.00)
  3. Enterprise Bank Inc. (Tier One CAR of 0.00)
  4. Equicom Savings Bank, Inc. (Tier One CAR of 0.00)
  5. Inter-Asia Development Bank (Tier One CAR of 0.00)
  6. Maritime Savings Bank Corporation (Tier One CAR of 0.00)
  7. Optimum Development Bank (Tier One CAR of 0.00)
  8. Planters Development Bank (Tier One CAR of 2.41)
  9. Comsavings Bank (Tier One CAR of 4.28)
  10. The Palawan Bank (Tier One CAR of 6.86)
  11. Sterling Bank of Asia Inc. (Tier One CAR of 7.86)
  12. Metropolitan Bank & Trust Co. (Tier One CAR of 9.94)

Common Equity Tier One CAR

As stated above, the BSP's reporting guidelines on the Common Equity Tier One CAR (CET1) only took effect as of January 1, 2014.  Banks only started reporting this ratio in their Published Statements of Condition for June 30, 2014.  Fifty-nine banks reported their CET1 Ratio as 0.00 for September 30, 2014.

However, those banks that did report a CET1 Ratio other than 0.00, three banks reported CET1 Ratios below BSP's recommended ratio.  They are as follows:
  1. Planters Development Bank (CET1 Ratio of 2.41)
  2. Bataan Savings and Loan Bank (CET1 Ratio of 5.57)
  3. Metropolitan Bank & Trust Co. (CET1 Ratio of 9.94)

The Total CAR, Tier 1 CAR, and Common Equity Tier 1 CAR of Philippine Banks as of September 30, 2014 is as follows:(Banks that do not meet BSP's minimum capital requirements are highlighted in yellow):


Philippine Banking System
TOTAL CAR
September 30, 2014






Bank Type of Bank Total CAR
PLANTERS DEVELOPMENT BANK Thrift 3.88
COMSAVINGS BANK Thrift 4.57
THE PALAWAN BANK (PALAWAN DB) INC Thrift 7.92
WEALTH DEVELOPMENT BANK CORPORATION Thrift 10.75
EQUICOM SAVINGS BANK INC Thrift 11.02
UNITED COCONUT PLANTERS BANK U/KB 11.02
OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE THRIFT BANK) Thrift 11.27
SECURITY SAVINGS BANK Thrift 11.88
ENTERPRISE BANK INC (A THRIFT BANK) Thrift 12.10
STERLING BANK OF ASIA INC (A SAVINGS BANK) Thrift 12.10
ALLIED SAVINGS BANK Thrift 12.20
CITY SAVINGS BANK INC Thrift 12.32
WORLD PARTNERS BANK (A THRIFT BANK) Thrift 12.57
BDO UNIBANK INC U/KB 12.74
RCBC SAVINGS BANK INC Thrift 13.28
LUZON DEVELOPMENT BANK Thrift 13.46
UNION BANK OF THE PHILS U/KB 13.61
METROPOLITAN BANK & TCO U/KB 14.01
PHIL BANK OF COMMUNICATIONS U/KB 14.36
PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) Thrift 14.42
STANDARD CHARTERED BANK U/KB 14.51
PHIL POSTAL SAVINGS BANK INC Thrift 14.62
BANK OF THE PHIL ISLANDS U/KB 14.63
BPI FAMILY SAVINGS BANK INC Thrift 14.77
MALAYAN BANK SAVINGS AND MORT BANK INC Thrift 14.82
EAST WEST BANKING CORP U/KB 14.90
RIZAL COMM'L BANKING CORP U/KB 15.05
LAND BANK OF THE PHILIPPINES U/KB 15.24
CHINA BANK SAVINGS INC Thrift 15.38
ASIA UNITED BANK CORPORATION U/KB 15.55
VILLAGE BANK INC (A THRIFT BANK) Thrift 16.18
HONGKONG & SHANGHAI BANKING CORP U/KB 16.27
CHINA BANKING CORP U/KB 16.31
FARMERS SAVINGS & LOAN BANK INC Thrift 16.31
1ST VALLEY BANK INC A DEVELOPMENT BANK Thrift 16.77
MAYBANK PHILIPPINES INC U/KB 17.50
SECURITY BANK CORP U/KB 17.77
BATAAN DEVELOPMENT BANK Thrift 17.88
LEGAZPI SAVINGS BANK INC Thrift 17.91
PRODUCERS SAVINGS BANK CORPORATION Thrift 18.00
PHIL NATIONAL BANK U/KB 18.10
HIYAS BANKING CORPORATION Thrift 18.42
ANZ BANKING GROUP LTD U/KB 18.64
ROBINSONS BANK CORPORATION U/KB 19.19
BANK OF CHINA LIMITED-MANILA BRANCH U/KB 19.84
PHIL SAVINGS BANK Thrift 20.06
BPI DIRECT SAVINGS BANK INC Thrift 20.10
CITIBANK, N.A. U/KB 21.34
PHILIPPINE BUSINESS BANK INC A SAVINGS BANK Thrift 21.37
PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS Thrift 21.65
DEVELOPMENT BANK OF THE PHIL U/KB 21.78
PHILIPPINE VETERANS BANK U/KB 22.00
MIZUHO BANK LTD - MANILA BRANCH U/KB 23.09
BANK OF COMMERCE U/KB 23.65
UCPB SAVINGS BANK Thrift 23.99
CARD SME BANK INC A THRIFT BANK Thrift 24.20
CTBC BANK (PHILIPPINES) CORP U/KB 25.12
FIRST CONSOLIDATED BANK INC (A PDB) Thrift 25.14
DEUTSCHE BANK AG U/KB 26.02
BATAAN SAVINGS AND LOAN BANK Thrift 26.33
DUMAGUETE CITY DEV BANK INC Thrift 26.34
BDO PRIVATE BANK, INC. U/KB 26.55
CITYSTATE SAVINGS BANK INC Thrift 29.07
METRO CEBU PUBLIC SAVINGS BANK Thrift 29.24
LIFE SAVINGS BANK INC Thrift 29.50
HSBC SAVINGS BANK(PHILS) INC Thrift 29.70
BUSINESS AND CONSUMERS BANK (A DB) Thrift 29.88
THE BNK OF TOKYO-MITSUBISHI UFJ LTD U/KB 30.04
INTER-ASIA DEVELOPMENT BANK Thrift 30.19
SUN SAVINGS BANK INC Thrift 30.38
LEMERY SAVINGS & LOAN BANK, INC. Thrift 32.19
MARITIME SAVINGS BANK CORPORATION Thrift 32.70
KOREA EXCHANGE BANK U/KB 33.03
CORDILLERA SAVINGS BANK INC Thrift 33.30
PAMPANGA DEVELOPMENT BANK Thrift 35.88
PHIL TRUST COMPANY U/KB 36.34
TOWER DEVELOPMENT BANK Thrift 41.07
UNIVERSITY SAVINGS BANK INC Thrift 41.54
NORTHPOINT DEV'T BANK INC Thrift 41.80
TONGYANG SAVINGS BANK INC Thrift 42.37
QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK Thrift 42.68
MALASIQUI PROGRESSIVE SLB, INC Thrift 45.48
DUNGGANON BANK (A MICROFINANCE THRIFT BANK) INC Thrift 47.83
PRIDE STAR DEVELOPMENT BANK INC Thrift 50.48
MEGA INT'L COMM'L BANK CO LTD U/KB 52.31
JP MORGAN CHASE BANK NATIONAL ASSN. U/KB 52.95
SAMPAGUITA SAVINGS BANK INC Thrift 54.51
BANK OF AMERICA N.A. U/KB 57.92
MERCHANTS SAVINGS & LOAN ASSN INC Thrift 60.93
INTERNATIONALE NEDERLANDEN GROEP BK U/KB 61.68
QUEZON COCONUT BANK INC (A THRIFT BANK) Thrift 61.68
BANK ONE SAVINGS AND TRUST CORP. Thrift 61.69
PACIFIC ACE SAVINGS BANK INC Thrift 62.88
OPTIMUM DEVELOPMENT BANK INC Thrift 64.01
PROGRESS SAVINGS AND LOAN BANK INC Thrift 64.62
BANGKOK BANK PUBLIC CO LTD U/KB 91.19
CENTURY SAVINGS BANK CORPORATION Thrift 92.94
UNITED OVERSEAS BANK PHILIPPINES Thrift 113.71
AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS U/KB 122.97
ISLA BANK(A THRIFT BANK) INC Thrift 183.00
BDO ELITE SAVINGS BANK INC Thrift 400.99
BPI GLOBE BANKO INC A SAVINGS BANK Thrift NA
CITIBANK SAVINGS INC Thrift NA
MICROFINANCE MAXIMUM SB INC Thrift NA



Philippine Banking System
Tier One CAR
September 30, 2014









Bank Type of Bank Tier One CAR
1ST VALLEY BANK INC A DEVELOPMENT BANK Thrift 0.00
BUSINESS AND CONSUMERS BANK (A DB) Thrift 0.00
ENTERPRISE BANK INC (A THRIFT BANK) Thrift 0.00
EQUICOM SAVINGS BANK INC Thrift 0.00
INTER-ASIA DEVELOPMENT BANK Thrift 0.00
MARITIME SAVINGS BANK CORPORATION Thrift 0.00
OPTIMUM DEVELOPMENT BANK INC Thrift 0.00
PLANTERS DEVELOPMENT BANK Thrift 2.41
COMSAVINGS BANK Thrift 4.28
THE PALAWAN BANK (PALAWAN DB) INC Thrift 6.86
STERLING BANK OF ASIA INC (A SAVINGS BANK) Thrift 7.86
METROPOLITAN BANK & TCO U/KB 9.94
WEALTH DEVELOPMENT BANK CORPORATION Thrift 10.10
EAST WEST BANKING CORP U/KB 10.28
PHIL BANK OF COMMUNICATIONS U/KB 10.48
RIZAL COMM'L BANKING CORP U/KB 10.70
SECURITY SAVINGS BANK Thrift 10.99
UNITED COCONUT PLANTERS BANK U/KB 11.02
ALLIED SAVINGS BANK Thrift 11.26
MIZUHO BANK LTD - MANILA BRANCH U/KB 11.39
CITY SAVINGS BANK INC Thrift 11.44
BDO UNIBANK INC U/KB 11.75
LAND BANK OF THE PHILIPPINES U/KB 11.91
WORLD PARTNERS BANK (A THRIFT BANK) Thrift 12.09
RCBC SAVINGS BANK INC Thrift 12.57
LUZON DEVELOPMENT BANK Thrift 12.63
UNION BANK OF THE PHILS U/KB 13.04
CHINA BANK SAVINGS INC Thrift 13.32
SECURITY BANK CORP U/KB 13.47
DEVELOPMENT BANK OF THE PHIL U/KB 13.64
PHIL SAVINGS BANK Thrift 13.64
PHIL POSTAL SAVINGS BANK INC Thrift 13.71
BANK OF THE PHIL ISLANDS U/KB 13.76
PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) Thrift 13.80
BPI FAMILY SAVINGS BANK INC Thrift 13.88
STANDARD CHARTERED BANK U/KB 13.94
MALAYAN BANK SAVINGS AND MORT BANK INC Thrift 14.06
PHIL NATIONAL BANK U/KB 14.62
ASIA UNITED BANK CORPORATION U/KB 15.08
PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS Thrift 15.10
CHINA BANKING CORP U/KB 15.40
FARMERS SAVINGS & LOAN BANK INC Thrift 15.59
HONGKONG & SHANGHAI BANKING CORP U/KB 15.76
VILLAGE BANK INC (A THRIFT BANK) Thrift 15.83
MAYBANK PHILIPPINES INC U/KB 16.43
LEGAZPI SAVINGS BANK INC Thrift 17.25
PRODUCERS SAVINGS BANK CORPORATION Thrift 17.53
HIYAS BANKING CORPORATION Thrift 18.13
ANZ BANKING GROUP LTD U/KB 18.16
ROBINSONS BANK CORPORATION U/KB 18.51
BANK OF CHINA LIMITED-MANILA BRANCH U/KB 19.21
BPI DIRECT SAVINGS BANK INC Thrift 19.25
BATAAN DEVELOPMENT BANK Thrift 19.84
PHILIPPINE BUSINESS BANK INC A SAVINGS BANK Thrift 20.53
CITIBANK, N.A. U/KB 20.57
PHILIPPINE VETERANS BANK U/KB 21.53
BANK OF COMMERCE U/KB 22.77
UCPB SAVINGS BANK Thrift 23.29
FIRST CONSOLIDATED BANK INC (A PDB) Thrift 24.26
CTBC BANK (PHILIPPINES) CORP U/KB 24.35
BATAAN SAVINGS AND LOAN BANK Thrift 24.67
DEUTSCHE BANK AG U/KB 25.71
DUMAGUETE CITY DEV BANK INC Thrift 25.91
BDO PRIVATE BANK, INC. U/KB 26.28
METRO CEBU PUBLIC SAVINGS BANK Thrift 28.46
CITYSTATE SAVINGS BANK INC Thrift 28.66
HSBC SAVINGS BANK(PHILS) INC Thrift 29.02
THE BNK OF TOKYO-MITSUBISHI UFJ LTD U/KB 29.26
LIFE SAVINGS BANK INC Thrift 29.28
SUN SAVINGS BANK INC Thrift 29.51
KOREA EXCHANGE BANK U/KB 32.64
CORDILLERA SAVINGS BANK INC Thrift 32.74
PHIL TRUST COMPANY U/KB 35.99
LEMERY SAVINGS & LOAN BANK, INC. Thrift 36.77
NORTHPOINT DEV'T BANK INC Thrift 41.80
QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK Thrift 42.25
TONGYANG SAVINGS BANK INC Thrift 42.37
MALASIQUI PROGRESSIVE SLB, INC Thrift 45.28
DUNGGANON BANK (A MICROFINANCE THRIFT BANK) INC Thrift 47.26
PRIDE STAR DEVELOPMENT BANK INC Thrift 50.16
INTERNATIONALE NEDERLANDEN GROEP BK U/KB 50.55
MEGA INT'L COMM'L BANK CO LTD U/KB 51.34
JP MORGAN CHASE BANK NATIONAL ASSN. U/KB 52.80
SAMPAGUITA SAVINGS BANK INC Thrift 54.48
BANK OF AMERICA N.A. U/KB 57.56
OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE THRIFT BANK) Thrift 59.11
QUEZON COCONUT BANK INC (A THRIFT BANK) Thrift 59.59
MERCHANTS SAVINGS & LOAN ASSN INC Thrift 60.61
BANK ONE SAVINGS AND TRUST CORP. Thrift 61.31
PACIFIC ACE SAVINGS BANK INC Thrift 62.68
PROGRESS SAVINGS AND LOAN BANK INC Thrift 64.62
BANGKOK BANK PUBLIC CO LTD U/KB 90.24
CENTURY SAVINGS BANK CORPORATION Thrift 91.57
TOWER DEVELOPMENT BANK Thrift 109.27
UNITED OVERSEAS BANK PHILIPPINES Thrift 112.15
AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS U/KB 122.38
PAMPANGA DEVELOPMENT BANK Thrift 125.07
UNIVERSITY SAVINGS BANK INC Thrift 143.67
ISLA BANK(A THRIFT BANK) INC Thrift 182.80
CARD SME BANK INC A THRIFT BANK Thrift 339.96
BDO ELITE SAVINGS BANK INC Thrift 400.99
BPI GLOBE BANKO INC A SAVINGS BANK Thrift NA
CITIBANK SAVINGS INC Thrift NA
MICROFINANCE MAXIMUM SB INC Thrift NA


Philippine Banking System
Common Tier 1 Ratio
September 30, 2014









Bank Type of Bank Common Tier 1 Ratio
1ST VALLEY BANK INC A DEVELOPMENT BANK Thrift 0.00
BANK OF AMERICA N.A. U/KB 0.00
BANK OF CHINA LIMITED-MANILA BRANCH U/KB 0.00
BANK ONE SAVINGS AND TRUST CORP. Thrift 0.00
BATAAN DEVELOPMENT BANK Thrift 0.00
BUSINESS AND CONSUMERS BANK (A DB) Thrift 0.00
CARD SME BANK INC A THRIFT BANK Thrift 0.00
CENTURY SAVINGS BANK CORPORATION Thrift 0.00
CITYSTATE SAVINGS BANK INC Thrift 0.00
COMSAVINGS BANK Thrift 0.00
CORDILLERA SAVINGS BANK INC Thrift 0.00
DUMAGUETE CITY DEV BANK INC Thrift 0.00
DUNGGANON BANK (A MICROFINANCE THRIFT BANK) INC Thrift 0.00
ENTERPRISE BANK INC (A THRIFT BANK) Thrift 0.00
EQUICOM SAVINGS BANK INC Thrift 0.00
FARMERS SAVINGS & LOAN BANK INC Thrift 0.00
FIRST CONSOLIDATED BANK INC (A PDB) Thrift 0.00
HIYAS BANKING CORPORATION Thrift 0.00
INTER-ASIA DEVELOPMENT BANK Thrift 0.00
ISLA BANK(A THRIFT BANK) INC Thrift 0.00
LEGAZPI SAVINGS BANK INC Thrift 0.00
LEMERY SAVINGS & LOAN BANK, INC. Thrift 0.00
LIFE SAVINGS BANK INC Thrift 0.00
LUZON DEVELOPMENT BANK Thrift 0.00
MALASIQUI PROGRESSIVE SLB, INC Thrift 0.00
MALAYAN BANK SAVINGS AND MORT BANK INC Thrift 0.00
MARITIME SAVINGS BANK CORPORATION Thrift 0.00
MERCHANTS SAVINGS & LOAN ASSN INC Thrift 0.00
METRO CEBU PUBLIC SAVINGS BANK Thrift 0.00
NORTHPOINT DEV'T BANK INC Thrift 0.00
OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE THRIFT BANK) Thrift 0.00
OPTIMUM DEVELOPMENT BANK INC Thrift 0.00
PACIFIC ACE SAVINGS BANK INC Thrift 0.00
PAMPANGA DEVELOPMENT BANK Thrift 0.00
PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) Thrift 0.00
PHIL POSTAL SAVINGS BANK INC Thrift 0.00
PHILIPPINE BUSINESS BANK INC A SAVINGS BANK Thrift 0.00
PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS Thrift 0.00
PRIDE STAR DEVELOPMENT BANK INC Thrift 0.00
PRODUCERS SAVINGS BANK CORPORATION Thrift 0.00
PROGRESS SAVINGS AND LOAN BANK INC Thrift 0.00
QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK Thrift 0.00
QUEZON COCONUT BANK INC (A THRIFT BANK) Thrift 0.00
RCBC SAVINGS BANK INC Thrift 0.00
SAMPAGUITA SAVINGS BANK INC Thrift 0.00
STANDARD CHARTERED BANK U/KB 0.00
STERLING BANK OF ASIA INC (A SAVINGS BANK) Thrift 0.00
SUN SAVINGS BANK INC Thrift 0.00
THE BNK OF TOKYO-MITSUBISHI UFJ LTD U/KB 0.00
THE PALAWAN BANK (PALAWAN DB) INC Thrift 0.00
TONGYANG SAVINGS BANK INC Thrift 0.00
TOWER DEVELOPMENT BANK Thrift 0.00
UCPB SAVINGS BANK Thrift 0.00
UNITED COCONUT PLANTERS BANK U/KB 0.00
UNITED OVERSEAS BANK PHILIPPINES Thrift 0.00
UNIVERSITY SAVINGS BANK INC Thrift 0.00
VILLAGE BANK INC (A THRIFT BANK) Thrift 0.00
WEALTH DEVELOPMENT BANK CORPORATION Thrift 0.00
WORLD PARTNERS BANK (A THRIFT BANK) Thrift 0.00
PLANTERS DEVELOPMENT BANK Thrift 2.41
BATAAN SAVINGS AND LOAN BANK Thrift 5.57
METROPOLITAN BANK & TCO U/KB 9.94
EAST WEST BANKING CORP U/KB 10.28
PHIL BANK OF COMMUNICATIONS U/KB 10.48
RIZAL COMM'L BANKING CORP U/KB 10.70
SECURITY SAVINGS BANK Thrift 10.99
ALLIED SAVINGS BANK Thrift 11.26
BDO UNIBANK INC U/KB 11.30
MIZUHO BANK LTD - MANILA BRANCH U/KB 11.39
LAND BANK OF THE PHILIPPINES U/KB 11.91
CITY SAVINGS BANK INC Thrift 12.48
UNION BANK OF THE PHILS U/KB 13.04
CHINA BANK SAVINGS INC Thrift 13.30
SECURITY BANK CORP U/KB 13.47
DEVELOPMENT BANK OF THE PHIL U/KB 13.64
PHIL SAVINGS BANK Thrift 13.64
BANK OF THE PHIL ISLANDS U/KB 13.76
BPI FAMILY SAVINGS BANK INC Thrift 13.88
PHIL NATIONAL BANK U/KB 14.62
ASIA UNITED BANK CORPORATION U/KB 15.08
CHINA BANKING CORP U/KB 15.40
HONGKONG & SHANGHAI BANKING CORP U/KB 15.76
MAYBANK PHILIPPINES INC U/KB 16.43
ANZ BANKING GROUP LTD U/KB 18.16
BPI DIRECT SAVINGS BANK INC Thrift 19.25
PHILIPPINE VETERANS BANK U/KB 19.92
BDO PRIVATE BANK, INC. U/KB 20.44
CITIBANK, N.A. U/KB 20.57
BANK OF COMMERCE U/KB 22.77
CTBC BANK (PHILIPPINES) CORP U/KB 24.35
DEUTSCHE BANK AG U/KB 25.71
HSBC SAVINGS BANK(PHILS) INC Thrift 29.02
KOREA EXCHANGE BANK U/KB 32.64
PHIL TRUST COMPANY U/KB 35.99
INTERNATIONALE NEDERLANDEN GROEP BK U/KB 50.55
MEGA INT'L COMM'L BANK CO LTD U/KB 51.34
JP MORGAN CHASE BANK NATIONAL ASSN. U/KB 52.80
BANGKOK BANK PUBLIC CO LTD U/KB 90.24
AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS U/KB 122.38
BDO ELITE SAVINGS BANK INC Thrift 400.99
BPI GLOBE BANKO INC A SAVINGS BANK Thrift NA
CITIBANK SAVINGS INC Thrift NA
MICROFINANCE MAXIMUM SB INC Thrift NA
ROBINSONS BANK CORPORATION U/KB NA

Source: www.bsp.gov.ph

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