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Monday, June 8, 2015

The Capital Adequacy Ratios of Philippine Banks - December 31, 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 December 31, 2014.  The banks that fail to meet BSP's minimum capital requirements are as follows:

TOTAL CAR

  1. Bataan Savings and Loan Bank (Total CAR of 0.00)
  2. Comsavings Bank (Total CAR of 3.71)
  3. Planters Development Bank (Total CAR of 3.84)
  4. The Palawan Bank (Total CAR of 7.71)
  5. Opportunity Kauswagan Bank (Total CAR of 8.22)

Tier One CAR
  1. 1st Valley Bank (Tier One CAR of 0.00)
  2. Bataan Savings and Loan Bank (Tier One CAR of 0.00)
  3. Business & Consumers Bank (Tier One CAR of 0.00)
  4. Enterprise Bank Inc. (Tier One CAR of 0.00)
  5. Equicom Savings Bank, Inc. (Tier One CAR of 0.00)
  6. Inter-Asia Development Bank (Tier One CAR of 0.00)
  7. Maritime Savings Bank Corporation (Tier One CAR of 0.00)
  8. Optimum Development Bank (Tier One CAR of 0.00)
  9. Planters Development Bank (Tier One CAR of 2.39)
  10. Comsavings Bank (Tier One CAR of 3.37)
  11. The Palawan Bank (Tier One CAR of 6.32)
  12. Sterling Bank of Asia Inc. (Tier One CAR of 8.03)
  13. East West Banking Corp (Tier One CAR of 8.98)
  14. Metropolitan Bank & Trust Co. (Tier One CAR of 9.89)

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-eight banks reported their CET1 Ratio as 0.00 for December 31, 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 2.39)
  2. East West Banking Corp (CET1 Ratio of 8.98)
  3. Metropolitan Bank & Trust Co. (CET1 Ratio of 9.89)

The Total CAR, Tier 1 CAR, and Common Equity Tier 1 CAR of Philippine Banks as of December 31, 2014 is as follows:(Banks that do not meet BSP's minimum capital requirements are highlighted in yellow):

Philippine Banking System
TOTAL CAR
December 31, 2014






Bank Type of Bank Total CAR
BATAAN SAVINGS AND LOAN BANK Thrift Bank 0.00
COMSAVINGS BANK Thrift Bank 3.71
PLANTERS DEVELOPMENT BANK Thrift Bank 3.84
THE PALAWAN BANK (PALAWAN DB) INC Thrift Bank 7.71
OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE THRIFT BANK) Thrift Bank 8.22
UNITED COCONUT PLANTERS BANK U/KB 10.15
WORLD PARTNERS BANK (A THRIFT BANK) Thrift Bank 10.56
WEALTH DEVELOPMENT BANK CORPORATION Thrift Bank 10.78
THE BNK OF TOKYO-MITSUBISHI UFJ LTD U/KB 11.85
ENTERPRISE BANK INC (A THRIFT BANK) Thrift Bank 12.07
STERLING BANK OF ASIA INC (A SAVINGS BANK) Thrift Bank 12.07
SECURITY BANK SAVINGS CORPORATION Thrift Bank 12.11
LUZON DEVELOPMENT BANK Thrift Bank 12.30
STANDARD CHARTERED BANK U/KB 12.41
MIZUHO BANK LTD - MANILA BRANCH U/KB 12.55
CITY SAVINGS BANK INC Thrift Bank 12.82
EAST WEST BANKING CORP U/KB 12.86
EQUICOM SAVINGS BANK INC Thrift Bank 13.23
BDO UNIBANK INC U/KB 13.26
PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) Thrift Bank 13.50
CITIBANK, N.A. U/KB 13.54
BANK OF THE PHIL ISLANDS U/KB 13.57
METROPOLITAN BANK & TCO U/KB 13.68
ANZ BANKING GROUP LTD U/KB 14.16
BANK OF CHINA LIMITED-MANILA BRANCH U/KB 14.39
MALAYAN BANK SAVINGS AND MORT BANK INC Thrift Bank 14.46
LAND BANK OF THE PHILIPPINES U/KB 14.49
HONGKONG & SHANGHAI BANKING CORP U/KB 14.51
PHIL POSTAL SAVINGS BANK INC Thrift Bank 14.59
RCBC SAVINGS BANK INC Thrift Bank 14.73
RIZAL COMM'L BANKING CORP U/KB 14.93
PHIL NATIONAL BANK U/KB 15.38
CHINA BANK SAVINGS INC Thrift Bank 15.46
ASIA UNITED BANK CORPORATION U/KB 15.57
VILLAGE BANK INC (A THRIFT BANK) Thrift Bank 15.73
BPI FAMILY SAVINGS BANK INC Thrift Bank 15.74
UCPB SAVINGS BANK Thrift Bank 15.79
FARMERS SAVINGS & LOAN BANK INC Thrift Bank 15.92
PHIL BANK OF COMMUNICATIONS U/KB 16.03
CHINA BANKING CORP U/KB 16.10
LEGAZPI SAVINGS BANK INC Thrift Bank 16.57
MAYBANK PHILIPPINES INC U/KB 16.66
ROBINSONS BANK CORPORATION U/KB 16.74
PRODUCERS SAVINGS BANK CORPORATION Thrift Bank 17.17
SECURITY BANK CORP U/KB 17.69
1ST VALLEY BANK INC A DEVELOPMENT BANK Thrift Bank 18.01
BATAAN DEVELOPMENT BANK Thrift Bank 18.12
UNION BANK OF THE PHILS U/KB 18.54
KOREA EXCHANGE BANK U/KB 18.91
HIYAS BANKING CORPORATION Thrift Bank 18.99
BPI DIRECT SAVINGS BANK INC Thrift Bank 19.04
PHIL SAVINGS BANK Thrift Bank 19.56
PHILIPPINE BUSINESS BANK INC A SAVINGS BANK Thrift Bank 20.10
MEGA INT'L COMM'L BANK CO LTD U/KB 20.30
DEVELOPMENT BANK OF THE PHIL U/KB 20.91
PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS Thrift Bank 21.93
BANK OF COMMERCE U/KB 22.10
DEUTSCHE BANK AG U/KB 22.80
PHILIPPINE VETERANS BANK U/KB 24.27
CARD SME BANK INC A THRIFT BANK Thrift Bank 24.63
DUMAGUETE CITY DEV BANK INC Thrift Bank 25.02
HSBC SAVINGS BANK(PHILS) INC Thrift Bank 25.40
CTBC BANK (PHILIPPINES) CORP U/KB 25.57
FIRST CONSOLIDATED BANK INC (A PDB) Thrift Bank 25.59
BDO PRIVATE BANK, INC. U/KB 26.90
METRO CEBU PUBLIC SAVINGS BANK Thrift Bank 28.30
BUSINESS AND CONSUMERS BANK (A DB) Thrift Bank 28.56
INTER-ASIA DEVELOPMENT BANK Thrift Bank 28.63
JP MORGAN CHASE BANK NATIONAL ASSN. U/KB 29.85
SUN SAVINGS BANK INC Thrift Bank 29.87
LIFE SAVINGS BANK INC Thrift Bank 30.67
MARITIME SAVINGS BANK CORPORATION Thrift Bank 32.62
CORDILLERA SAVINGS BANK INC Thrift Bank 33.60
PAMPANGA DEVELOPMENT BANK Thrift Bank 33.80
LEMERY SAVINGS & LOAN BANK, INC. Thrift Bank 34.31
PHIL TRUST COMPANY U/KB 36.62
UNIVERSITY SAVINGS BANK INC Thrift Bank 37.76
QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK Thrift Bank 40.08
TONGYANG SAVINGS BANK INC Thrift Bank 40.22
TOWER DEVELOPMENT BANK Thrift Bank 41.55
NORTHPOINT DEV'T BANK INC Thrift Bank 41.68
MALASIQUI PROGRESSIVE SLB, INC Thrift Bank 44.72
BANK OF AMERICA N.A. U/KB 45.04
BANGKOK BANK PUBLIC CO LTD U/KB 46.32
DUNGGANON BANK (A MICROFINANCE THRIFT BANK) INC Thrift Bank 49.39
PHIL STAR DEVELOPMENT BANK INC Thrift Bank 50.92
INTERNATIONALE NEDERLANDEN GROEP BK U/KB 52.18
MERCHANTS SAVINGS & LOAN ASSN INC Thrift Bank 56.98
OPTIMUM DEVELOPMENT BANK INC Thrift Bank 57.53
SAMPAGUITA SAVINGS BANK INC Thrift Bank 57.60
QUEZON COCONUT BANK INC (A THRIFT BANK) Thrift Bank 65.47
BANK ONE SAVINGS AND TRUST CORP. Thrift Bank 73.54
PROGRESS SAVINGS AND LOAN BANK INC Thrift Bank 75.88
CENTURY SAVINGS BANK CORPORATION Thrift Bank 85.64
ALLIED SAVINGS BANK Thrift Bank 113.96
AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS U/KB 115.96
UNITED OVERSEAS BANK PHILIPPINES Thrift Bank 123.89
ISLA BANK(A THRIFT BANK) INC Thrift Bank 218.98
BDO ELITE SAVINGS BANK INC Thrift Bank 400.69















Philippine Banking System
Tier One CAR
December 31, 2014









Bank Type of Bank Tier One CAR
1ST VALLEY BANK INC A DEVELOPMENT BANK Thrift Bank 0.00
BATAAN SAVINGS AND LOAN BANK Thrift Bank 0.00
BUSINESS AND CONSUMERS BANK (A DB) Thrift Bank 0.00
ENTERPRISE BANK INC (A THRIFT BANK) Thrift Bank 0.00
EQUICOM SAVINGS BANK INC Thrift Bank 0.00
INTER-ASIA DEVELOPMENT BANK Thrift Bank 0.00
MARITIME SAVINGS BANK CORPORATION Thrift Bank 0.00
OPTIMUM DEVELOPMENT BANK INC Thrift Bank 0.00
PLANTERS DEVELOPMENT BANK Thrift Bank 2.39
COMSAVINGS BANK Thrift Bank 3.37
THE PALAWAN BANK (PALAWAN DB) INC Thrift Bank 6.32
STERLING BANK OF ASIA INC (A SAVINGS BANK) Thrift Bank 8.03
EAST WEST BANKING CORP U/KB 8.98
METROPOLITAN BANK & TCO U/KB 9.89
WORLD PARTNERS BANK (A THRIFT BANK) Thrift Bank 10.13
WEALTH DEVELOPMENT BANK CORPORATION Thrift Bank 10.14
UNITED COCONUT PLANTERS BANK U/KB 10.15
RIZAL COMM'L BANKING CORP U/KB 10.82
THE BNK OF TOKYO-MITSUBISHI UFJ LTD U/KB 11.10
SECURITY BANK SAVINGS CORPORATION Thrift Bank 11.22
LAND BANK OF THE PHILIPPINES U/KB 11.34
BDO UNIBANK INC U/KB 11.44
LUZON DEVELOPMENT BANK Thrift Bank 11.48
MIZUHO BANK LTD - MANILA BRANCH U/KB 11.60
STANDARD CHARTERED BANK U/KB 11.87
CITY SAVINGS BANK INC Thrift Bank 11.94
PHIL NATIONAL BANK U/KB 11.96
PHIL BANK OF COMMUNICATIONS U/KB 12.00
BANK OF THE PHIL ISLANDS U/KB 12.69
CITIBANK, N.A. U/KB 12.80
PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) Thrift Bank 12.81
PHIL SAVINGS BANK Thrift Bank 13.31
CHINA BANK SAVINGS INC Thrift Bank 13.36
DEVELOPMENT BANK OF THE PHIL U/KB 13.38
SECURITY BANK CORP U/KB 13.47
ANZ BANKING GROUP LTD U/KB 13.60
BANK OF CHINA LIMITED-MANILA BRANCH U/KB 13.61
PHIL POSTAL SAVINGS BANK INC Thrift Bank 13.68
MALAYAN BANK SAVINGS AND MORT BANK INC Thrift Bank 13.76
HONGKONG & SHANGHAI BANKING CORP U/KB 14.01
RCBC SAVINGS BANK INC Thrift Bank 14.01
UNION BANK OF THE PHILS U/KB 14.23
BPI FAMILY SAVINGS BANK INC Thrift Bank 14.85
ASIA UNITED BANK CORPORATION U/KB 15.01
UCPB SAVINGS BANK Thrift Bank 15.09
CHINA BANKING CORP U/KB 15.18
FARMERS SAVINGS & LOAN BANK INC Thrift Bank 15.18
VILLAGE BANK INC (A THRIFT BANK) Thrift Bank 15.38
PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS Thrift Bank 15.47
MAYBANK PHILIPPINES INC U/KB 15.58
LEGAZPI SAVINGS BANK INC Thrift Bank 15.91
ROBINSONS BANK CORPORATION U/KB 16.05
PRODUCERS SAVINGS BANK CORPORATION Thrift Bank 16.72
BPI DIRECT SAVINGS BANK INC Thrift Bank 18.17
KOREA EXCHANGE BANK U/KB 18.47
HIYAS BANKING CORPORATION Thrift Bank 18.70
PHILIPPINE BUSINESS BANK INC A SAVINGS BANK Thrift Bank 19.17
MEGA INT'L COMM'L BANK CO LTD U/KB 19.34
BATAAN DEVELOPMENT BANK Thrift Bank 20.04
BANK OF COMMERCE U/KB 21.16
DEUTSCHE BANK AG U/KB 22.48
PHILIPPINE VETERANS BANK U/KB 23.76
DUMAGUETE CITY DEV BANK INC Thrift Bank 24.63
FIRST CONSOLIDATED BANK INC (A PDB) Thrift Bank 24.71
HSBC SAVINGS BANK(PHILS) INC Thrift Bank 24.73
CTBC BANK (PHILIPPINES) CORP U/KB 24.77
BDO PRIVATE BANK, INC. U/KB 26.62
METRO CEBU PUBLIC SAVINGS BANK Thrift Bank 27.82
SUN SAVINGS BANK INC Thrift Bank 28.99
JP MORGAN CHASE BANK NATIONAL ASSN. U/KB 29.68
LIFE SAVINGS BANK INC Thrift Bank 30.45
CORDILLERA SAVINGS BANK INC Thrift Bank 33.07
PHIL TRUST COMPANY U/KB 36.29
LEMERY SAVINGS & LOAN BANK, INC. Thrift Bank 39.51
QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK Thrift Bank 39.68
TONGYANG SAVINGS BANK INC Thrift Bank 40.22
NORTHPOINT DEV'T BANK INC Thrift Bank 41.68
OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE THRIFT BANK) Thrift Bank 41.74
MALASIQUI PROGRESSIVE SLB, INC Thrift Bank 44.53
BANK OF AMERICA N.A. U/KB 44.59
BANGKOK BANK PUBLIC CO LTD U/KB 45.36
DUNGGANON BANK (A MICROFINANCE THRIFT BANK) INC Thrift Bank 48.87
PHIL STAR DEVELOPMENT BANK INC Thrift Bank 50.61
INTERNATIONALE NEDERLANDEN GROEP BK U/KB 51.79
MERCHANTS SAVINGS & LOAN ASSN INC Thrift Bank 56.65
SAMPAGUITA SAVINGS BANK INC Thrift Bank 57.54
QUEZON COCONUT BANK INC (A THRIFT BANK) Thrift Bank 60.38
BANK ONE SAVINGS AND TRUST CORP. Thrift Bank 73.08
PROGRESS SAVINGS AND LOAN BANK INC Thrift Bank 75.88
CENTURY SAVINGS BANK CORPORATION Thrift Bank 84.52
ALLIED SAVINGS BANK Thrift Bank 113.04
AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS U/KB 115.38
TOWER DEVELOPMENT BANK Thrift Bank 116.45
UNITED OVERSEAS BANK PHILIPPINES Thrift Bank 122.20
PAMPANGA DEVELOPMENT BANK Thrift Bank 122.77
UNIVERSITY SAVINGS BANK INC Thrift Bank 135.59
ISLA BANK(A THRIFT BANK) INC Thrift Bank 218.73
CARD SME BANK INC A THRIFT BANK Thrift Bank 380.59
BDO ELITE SAVINGS BANK INC Thrift Bank 400.69












Philippine Banking System
Common Tier 1 Ratio
December 31, 2014









Bank Type of Bank Common Tier 1 Ratio
1ST VALLEY BANK INC A DEVELOPMENT BANK Thrift Bank 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 Bank 0.00
BATAAN DEVELOPMENT BANK Thrift Bank 0.00
BATAAN SAVINGS AND LOAN BANK Thrift Bank 0.00
BUSINESS AND CONSUMERS BANK (A DB) Thrift Bank 0.00
CARD SME BANK INC A THRIFT BANK Thrift Bank 0.00
CENTURY SAVINGS BANK CORPORATION Thrift Bank 0.00
COMSAVINGS BANK Thrift Bank 0.00
CORDILLERA SAVINGS BANK INC Thrift Bank 0.00
DUMAGUETE CITY DEV BANK INC Thrift Bank 0.00
DUNGGANON BANK (A MICROFINANCE THRIFT BANK) INC Thrift Bank 0.00
ENTERPRISE BANK INC (A THRIFT BANK) Thrift Bank 0.00
EQUICOM SAVINGS BANK INC Thrift Bank 0.00
FARMERS SAVINGS & LOAN BANK INC Thrift Bank 0.00
FIRST CONSOLIDATED BANK INC (A PDB) Thrift Bank 0.00
HIYAS BANKING CORPORATION Thrift Bank 0.00
INTER-ASIA DEVELOPMENT BANK Thrift Bank 0.00
ISLA BANK(A THRIFT BANK) INC Thrift Bank 0.00
LEGAZPI SAVINGS BANK INC Thrift Bank 0.00
LEMERY SAVINGS & LOAN BANK, INC. Thrift Bank 0.00
LIFE SAVINGS BANK INC Thrift Bank 0.00
LUZON DEVELOPMENT BANK Thrift Bank 0.00
MALASIQUI PROGRESSIVE SLB, INC Thrift Bank 0.00
MALAYAN BANK SAVINGS AND MORT BANK INC Thrift Bank 0.00
MARITIME SAVINGS BANK CORPORATION Thrift Bank 0.00
MERCHANTS SAVINGS & LOAN ASSN INC Thrift Bank 0.00
METRO CEBU PUBLIC SAVINGS BANK Thrift Bank 0.00
NORTHPOINT DEV'T BANK INC Thrift Bank 0.00
OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE THRIFT BANK) Thrift Bank 0.00
OPTIMUM DEVELOPMENT BANK INC Thrift Bank 0.00
PAMPANGA DEVELOPMENT BANK Thrift Bank 0.00
PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) Thrift Bank 0.00
PHIL POSTAL SAVINGS BANK INC Thrift Bank 0.00
PHIL STAR DEVELOPMENT BANK INC Thrift Bank 0.00
PHILIPPINE BUSINESS BANK INC A SAVINGS BANK Thrift Bank 0.00
PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS Thrift Bank 0.00
PRODUCERS SAVINGS BANK CORPORATION Thrift Bank 0.00
PROGRESS SAVINGS AND LOAN BANK INC Thrift Bank 0.00
QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK Thrift Bank 0.00
QUEZON COCONUT BANK INC (A THRIFT BANK) Thrift Bank 0.00
RCBC SAVINGS BANK INC Thrift Bank 0.00
ROBINSONS BANK CORPORATION U/KB 0.00
SAMPAGUITA SAVINGS BANK INC Thrift Bank 0.00
STANDARD CHARTERED BANK U/KB 0.00
STERLING BANK OF ASIA INC (A SAVINGS BANK) Thrift Bank 0.00
SUN SAVINGS BANK INC Thrift Bank 0.00
THE PALAWAN BANK (PALAWAN DB) INC Thrift Bank 0.00
TONGYANG SAVINGS BANK INC Thrift Bank 0.00
TOWER DEVELOPMENT BANK Thrift Bank 0.00
UCPB SAVINGS BANK Thrift Bank 0.00
UNITED COCONUT PLANTERS BANK U/KB 0.00
UNITED OVERSEAS BANK PHILIPPINES Thrift Bank 0.00
UNIVERSITY SAVINGS BANK INC Thrift Bank 0.00
VILLAGE BANK INC (A THRIFT BANK) Thrift Bank 0.00
WEALTH DEVELOPMENT BANK CORPORATION Thrift Bank 0.00
WORLD PARTNERS BANK (A THRIFT BANK) Thrift Bank 0.00
PLANTERS DEVELOPMENT BANK Thrift Bank 2.39
EAST WEST BANKING CORP U/KB 8.98
METROPOLITAN BANK & TCO U/KB 9.89
RIZAL COMM'L BANKING CORP U/KB 10.82
BDO UNIBANK INC U/KB 11.01
THE BNK OF TOKYO-MITSUBISHI UFJ LTD U/KB 11.10
SECURITY BANK SAVINGS CORPORATION Thrift Bank 11.22
LAND BANK OF THE PHILIPPINES U/KB 11.34
MIZUHO BANK LTD - MANILA BRANCH U/KB 11.60
CITY SAVINGS BANK INC Thrift Bank 11.94
PHIL NATIONAL BANK U/KB 11.96
PHIL BANK OF COMMUNICATIONS U/KB 12.00
BANK OF THE PHIL ISLANDS U/KB 12.69
CITIBANK, N.A. U/KB 12.80
PHIL SAVINGS BANK Thrift Bank 13.31
CHINA BANK SAVINGS INC Thrift Bank 13.34
DEVELOPMENT BANK OF THE PHIL U/KB 13.38
SECURITY BANK CORP U/KB 13.47
ANZ BANKING GROUP LTD U/KB 13.60
HONGKONG & SHANGHAI BANKING CORP U/KB 14.01
UNION BANK OF THE PHILS U/KB 14.23
BPI FAMILY SAVINGS BANK INC Thrift Bank 14.85
ASIA UNITED BANK CORPORATION U/KB 15.01
CHINA BANKING CORP U/KB 15.18
MAYBANK PHILIPPINES INC U/KB 15.58
BPI DIRECT SAVINGS BANK INC Thrift Bank 18.17
KOREA EXCHANGE BANK U/KB 18.47
MEGA INT'L COMM'L BANK CO LTD U/KB 19.34
BDO PRIVATE BANK, INC. U/KB 20.90
BANK OF COMMERCE U/KB 21.16
PHILIPPINE VETERANS BANK U/KB 21.99
DEUTSCHE BANK AG U/KB 22.48
HSBC SAVINGS BANK(PHILS) INC Thrift Bank 24.73
CTBC BANK (PHILIPPINES) CORP U/KB 24.77
JP MORGAN CHASE BANK NATIONAL ASSN. U/KB 29.68
PHIL TRUST COMPANY U/KB 36.29
BANGKOK BANK PUBLIC CO LTD U/KB 45.36
INTERNATIONALE NEDERLANDEN GROEP BK U/KB 51.79
ALLIED SAVINGS BANK Thrift Bank 113.04
AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS U/KB 115.38
BDO ELITE SAVINGS BANK INC Thrift Bank 400.69

Source: www.bsp.gov.ph

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