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-2015Moreover, 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 March 31, 2015. The banks that fail to meet BSP's minimum capital requirements are as follows:
TOTAL CAR
- Bataan Savings and Loan Bank (Total CAR of 0.00)
- Comsavings Bank (Total CAR of 3.09)
- Planters Development Bank (Total CAR of 7.84)
- The Palawan Bank (Total CAR of 8.02)
- Opportunity Kauswagan Bank (Total CAR of 9.30)
Tier One CAR
- 1st Valley Bank (Tier One CAR of 0.00)
- Bataan Savings and Loan Bank (Tier One CAR of 0.00)
- Business & Consumers Bank (Tier One CAR of 0.00)
- Enterprise Bank Inc. (Tier One CAR of 0.00)
- Equicom Savings Bank, Inc. (Tier One CAR of 0.00)
- Inter-Asia Development Bank (Tier One CAR of 0.00)
- Maritime Savings Bank Corporation (Tier One CAR of 0.00)
- Optimum Development Bank (Tier One CAR of 0.00)
- Comsavings Bank (Tier One CAR of 2.68)
- Planters Development Bank (Tier One CAR of 6.35)
- The Palawan Bank (Tier One CAR of 7.87)
- Sterling Bank of Asia Inc. (Tier One CAR of 8.01)
- East West Banking Corp (Tier One CAR of 9.49)
- Land Bank of the Philippines (Tier One CAR of 9.54)
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 March 31, 2015.
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:
- Planters Development Bank (CET1 Ratio of 6.35)
- East West Banking Corp (CET1 Ratio of 9.49)
- Land Bank of the Philippines (CET1 Ratio of 9.54)
The Total CAR, Tier 1 CAR, and Common Equity Tier 1 CAR of Philippine Banks as of March 31, 2015 is as follows:(Banks that do not meet BSP's minimum capital requirements are highlighted in yellow):
| Philippine Banking System | ||
| TOTAL CAR | ||
| March 31, 2015 | ||
| Bank | Type of Bank | Total CAR |
| BATAAN SAVINGS AND LOAN BANK | Thrift Bank | 0.00 |
| COMSAVINGS BANK | Thrift Bank | 3.09 |
| PLANTERS DEVELOPMENT BANK | Thrift Bank | 7.84 |
| THE PALAWAN BANK (PALAWAN DB) INC | Thrift Bank | 8.02 |
| OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE THRIFT BANK) | Thrift Bank | 9.30 |
| SECURITY BANK SAVINGS CORPORATION | Thrift Bank | 10.15 |
| UNITED COCONUT PLANTERS BANK | U/KB | 10.28 |
| WEALTH DEVELOPMENT BANK CORPORATION | Thrift Bank | 10.67 |
| MIZUHO BANK LTD - MANILA BRANCH | U/KB | 11.37 |
| LUZON DEVELOPMENT BANK | Thrift Bank | 11.38 |
| THE BNK OF TOKYO-MITSUBISHI UFJ LTD | U/KB | 11.47 |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | Thrift Bank | 11.90 |
| EQUICOM SAVINGS BANK INC | Thrift Bank | 12.01 |
| ENTERPRISE BANK INC (A THRIFT BANK) | Thrift Bank | 12.09 |
| CITY SAVINGS BANK INC | Thrift Bank | 12.46 |
| LAND BANK OF THE PHILIPPINES | U/KB | 12.73 |
| BDO UNIBANK INC | U/KB | 12.76 |
| WORLD PARTNERS BANK (A THRIFT BANK) | Thrift Bank | 13.42 |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | Thrift Bank | 13.43 |
| ANZ BANKING GROUP LTD | U/KB | 13.45 |
| EAST WEST BANKING CORP | U/KB | 13.46 |
| STANDARD CHARTERED BANK | U/KB | 13.46 |
| BANK OF CHINA LIMITED-MANILA BRANCH | U/KB | 14.02 |
| METROPOLITAN BANK & TCO | U/KB | 14.22 |
| PHIL POSTAL SAVINGS BANK INC | Thrift Bank | 14.33 |
| BANK OF THE PHIL ISLANDS | U/KB | 14.45 |
| RCBC SAVINGS BANK INC | Thrift Bank | 14.55 |
| PHIL BANK OF COMMUNICATIONS | U/KB | 14.59 |
| CHINA BANK SAVINGS INC | Thrift Bank | 14.60 |
| ASIA UNITED BANK CORPORATION | U/KB | 14.81 |
| RIZAL COMM'L BANKING CORP | U/KB | 14.95 |
| CITIBANK, N.A. | U/KB | 14.99 |
| VILLAGE BANK INC (A THRIFT BANK) | Thrift Bank | 15.63 |
| HONGKONG & SHANGHAI BANKING CORP | U/KB | 15.64 |
| BPI FAMILY SAVINGS BANK INC | Thrift Bank | 15.65 |
| PHIL NATIONAL BANK | U/KB | 15.81 |
| CHINA BANKING CORP | U/KB | 15.98 |
| SECURITY BANK CORP | U/KB | 16.19 |
| MAYBANK PHILIPPINES INC | U/KB | 16.22 |
| FARMERS SAVINGS & LOAN BANK INC | Thrift Bank | 16.80 |
| LEGAZPI SAVINGS BANK INC | Thrift Bank | 16.93 |
| UCPB SAVINGS BANK | Thrift Bank | 16.99 |
| PRODUCERS SAVINGS BANK CORPORATION | Thrift Bank | 17.42 |
| DEVELOPMENT BANK OF THE PHIL | U/KB | 17.60 |
| KOREA EXCHANGE BANK | U/KB | 17.88 |
| MALAYAN BANK SAVINGS AND MORT BANK INC | Thrift Bank | 18.09 |
| UNION BANK OF THE PHILS | U/KB | 18.13 |
| ROBINSONS BANK CORPORATION | U/KB | 18.19 |
| BATAAN DEVELOPMENT BANK | Thrift Bank | 18.68 |
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | Thrift Bank | 18.82 |
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | Thrift Bank | 18.89 |
| PHIL SAVINGS BANK | Thrift Bank | 19.31 |
| HIYAS BANKING CORPORATION | Thrift Bank | 20.27 |
| MEGA INT'L COMM'L BANK CO LTD | U/KB | 20.81 |
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS | Thrift Bank | 20.81 |
| BPI DIRECT SAVINGS BANK INC | Thrift Bank | 20.82 |
| BANK OF COMMERCE | U/KB | 21.56 |
| PHILIPPINE VETERANS BANK | U/KB | 22.73 |
| DUMAGUETE CITY DEV BANK INC | Thrift Bank | 22.77 |
| CTBC BANK (PHILIPPINES) CORP | U/KB | 23.05 |
| CARD SME BANK INC A THRIFT BANK | Thrift Bank | 24.42 |
| FIRST CONSOLIDATED BANK INC (A PDB) | Thrift Bank | 25.21 |
| METRO CEBU PUBLIC SAVINGS BANK | Thrift Bank | 25.24 |
| BDO PRIVATE BANK, INC. | U/KB | 26.13 |
| LIFE SAVINGS BANK INC | Thrift Bank | 26.42 |
| INTER-ASIA DEVELOPMENT BANK | Thrift Bank | 26.43 |
| BPI GLOBE BANKO INC A SAVINGS BANK | Thrift Bank | 27.26 |
| HSBC SAVINGS BANK(PHILS) INC | Thrift Bank | 27.97 |
| BUSINESS AND CONSUMERS BANK (A DB) | Thrift Bank | 28.23 |
| CITYSTATE SAVINGS BANK INC | Thrift Bank | 28.23 |
| DEUTSCHE BANK AG | U/KB | 28.48 |
| SUN SAVINGS BANK INC | Thrift Bank | 30.02 |
| JP MORGAN CHASE BANK NATIONAL ASSN. | U/KB | 32.39 |
| PAMPANGA DEVELOPMENT BANK | Thrift Bank | 33.25 |
| MARITIME SAVINGS BANK CORPORATION | Thrift Bank | 33.42 |
| LEMERY SAVINGS & LOAN BANK, INC. | Thrift Bank | 33.80 |
| CORDILLERA SAVINGS BANK INC | Thrift Bank | 34.49 |
| NORTHPOINT DEV'T BANK INC | Thrift Bank | 35.64 |
| MICROFINANCE MAXIMUM SB INC | Thrift Bank | 37.32 |
| BANK OF AMERICA N.A. | U/KB | 37.91 |
| UNIVERSITY SAVINGS BANK INC | Thrift Bank | 39.04 |
| TONGYANG SAVINGS BANK INC | Thrift Bank | 39.32 |
| TOWER DEVELOPMENT BANK | Thrift Bank | 39.54 |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | Thrift Bank | 40.91 |
| DUNGGANON BANK (A MICROFINANCE THRIFT BANK) INC | Thrift Bank | 41.27 |
| PHIL TRUST COMPANY | U/KB | 42.94 |
| MALASIQUI PROGRESSIVE SLB, INC | Thrift Bank | 43.70 |
| BANGKOK BANK PUBLIC CO LTD | U/KB | 51.41 |
| MERCHANTS SAVINGS & LOAN ASSN INC | Thrift Bank | 51.95 |
| PHIL STAR DEVELOPMENT BANK INC | Thrift Bank | 52.46 |
| INTERNATIONALE NEDERLANDEN GROEP BK | U/KB | 53.18 |
| OPTIMUM DEVELOPMENT BANK INC | Thrift Bank | 57.71 |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | Thrift Bank | 58.44 |
| MBANK PHILIPPINES (A THRIFT BANK) INC | Thrift Bank | 59.52 |
| SAMPAGUITA SAVINGS BANK INC | Thrift Bank | 59.83 |
| BANK ONE SAVINGS AND TRUST CORP. | Thrift Bank | 66.96 |
| PROGRESS SAVINGS AND LOAN BANK INC | Thrift Bank | 80.57 |
| CENTURY SAVINGS BANK CORPORATION | Thrift Bank | 84.69 |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | U/KB | 89.18 |
| PNB SAVINGS BANK | Thrift Bank | 97.34 |
| PACIFIC ACE SAVINGS BANK INC | Thrift Bank | 113.91 |
| UNITED OVERSEAS BANK PHILIPPINES | Thrift Bank | 124.07 |
| ISLA BANK(A THRIFT BANK) INC | Thrift Bank | 188.56 |
| BDO ELITE SAVINGS BANK INC | Thrift Bank | 452.49 |
| Philippine Banking System | ||
| Tier One CAR | ||
| March 31, 2015 | ||
| 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 |
| COMSAVINGS BANK | Thrift Bank | 2.68 |
| PLANTERS DEVELOPMENT BANK | Thrift Bank | 6.35 |
| THE PALAWAN BANK (PALAWAN DB) INC | Thrift Bank | 7.87 |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | Thrift Bank | 8.01 |
| EAST WEST BANKING CORP | U/KB | 9.49 |
| LAND BANK OF THE PHILIPPINES | U/KB | 9.54 |
| WEALTH DEVELOPMENT BANK CORPORATION | Thrift Bank | 10.04 |
| DEVELOPMENT BANK OF THE PHIL | U/KB | 10.12 |
| SECURITY BANK SAVINGS CORPORATION | Thrift Bank | 10.15 |
| UNITED COCONUT PLANTERS BANK | U/KB | 10.28 |
| METROPOLITAN BANK & TCO | U/KB | 10.36 |
| MIZUHO BANK LTD - MANILA BRANCH | U/KB | 10.42 |
| LUZON DEVELOPMENT BANK | Thrift Bank | 10.59 |
| THE BNK OF TOKYO-MITSUBISHI UFJ LTD | U/KB | 10.73 |
| RIZAL COMM'L BANKING CORP | U/KB | 10.85 |
| BDO UNIBANK INC | U/KB | 10.98 |
| PHIL BANK OF COMMUNICATIONS | U/KB | 10.98 |
| CITY SAVINGS BANK INC | Thrift Bank | 11.65 |
| PHIL NATIONAL BANK | U/KB | 12.37 |
| SECURITY BANK CORP | U/KB | 12.53 |
| CHINA BANK SAVINGS INC | Thrift Bank | 12.67 |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | Thrift Bank | 12.77 |
| ANZ BANKING GROUP LTD | U/KB | 12.86 |
| STANDARD CHARTERED BANK | U/KB | 12.91 |
| WORLD PARTNERS BANK (A THRIFT BANK) | Thrift Bank | 12.93 |
| PHIL SAVINGS BANK | Thrift Bank | 13.10 |
| PHIL POSTAL SAVINGS BANK INC | Thrift Bank | 13.42 |
| BANK OF THE PHIL ISLANDS | U/KB | 13.58 |
| BANK OF CHINA LIMITED-MANILA BRANCH | U/KB | 13.61 |
| RCBC SAVINGS BANK INC | Thrift Bank | 13.84 |
| UNION BANK OF THE PHILS | U/KB | 14.07 |
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS | Thrift Bank | 14.23 |
| ASIA UNITED BANK CORPORATION | U/KB | 14.24 |
| CITIBANK, N.A. | U/KB | 14.25 |
| BPI FAMILY SAVINGS BANK INC | Thrift Bank | 14.78 |
| CHINA BANKING CORP | U/KB | 15.07 |
| HONGKONG & SHANGHAI BANKING CORP | U/KB | 15.14 |
| MAYBANK PHILIPPINES INC | U/KB | 15.16 |
| VILLAGE BANK INC (A THRIFT BANK) | Thrift Bank | 15.28 |
| FARMERS SAVINGS & LOAN BANK INC | Thrift Bank | 16.03 |
| LEGAZPI SAVINGS BANK INC | Thrift Bank | 16.21 |
| UCPB SAVINGS BANK | Thrift Bank | 16.30 |
| PRODUCERS SAVINGS BANK CORPORATION | Thrift Bank | 16.95 |
| MALAYAN BANK SAVINGS AND MORT BANK INC | Thrift Bank | 17.32 |
| KOREA EXCHANGE BANK | U/KB | 17.41 |
| ROBINSONS BANK CORPORATION | U/KB | 17.43 |
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | Thrift Bank | 18.13 |
| UNIVERSITY SAVINGS BANK INC | Thrift Bank | 19.52 |
| MEGA INT'L COMM'L BANK CO LTD | U/KB | 19.86 |
| HIYAS BANKING CORPORATION | Thrift Bank | 19.97 |
| BPI DIRECT SAVINGS BANK INC | Thrift Bank | 19.99 |
| BANK OF COMMERCE | U/KB | 20.62 |
| BATAAN DEVELOPMENT BANK | Thrift Bank | 20.75 |
| PHILIPPINE VETERANS BANK | U/KB | 22.23 |
| CTBC BANK (PHILIPPINES) CORP | U/KB | 22.31 |
| DUMAGUETE CITY DEV BANK INC | Thrift Bank | 22.41 |
| FIRST CONSOLIDATED BANK INC (A PDB) | Thrift Bank | 24.34 |
| METRO CEBU PUBLIC SAVINGS BANK | Thrift Bank | 24.83 |
| BDO PRIVATE BANK, INC. | U/KB | 25.88 |
| LIFE SAVINGS BANK INC | Thrift Bank | 26.20 |
| BPI GLOBE BANKO INC A SAVINGS BANK | Thrift Bank | 27.07 |
| HSBC SAVINGS BANK(PHILS) INC | Thrift Bank | 27.26 |
| CITYSTATE SAVINGS BANK INC | Thrift Bank | 27.82 |
| DEUTSCHE BANK AG | U/KB | 28.13 |
| SUN SAVINGS BANK INC | Thrift Bank | 29.10 |
| JP MORGAN CHASE BANK NATIONAL ASSN. | U/KB | 32.20 |
| LEMERY SAVINGS & LOAN BANK, INC. | Thrift Bank | 33.55 |
| CORDILLERA SAVINGS BANK INC | Thrift Bank | 33.94 |
| NORTHPOINT DEV'T BANK INC | Thrift Bank | 35.64 |
| MICROFINANCE MAXIMUM SB INC | Thrift Bank | 37.29 |
| BANK OF AMERICA N.A. | U/KB | 37.54 |
| TONGYANG SAVINGS BANK INC | Thrift Bank | 39.32 |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | Thrift Bank | 40.49 |
| DUNGGANON BANK (A MICROFINANCE THRIFT BANK) INC | Thrift Bank | 40.86 |
| PHIL TRUST COMPANY | U/KB | 42.59 |
| MALASIQUI PROGRESSIVE SLB, INC | Thrift Bank | 43.51 |
| OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE THRIFT BANK) | Thrift Bank | 49.57 |
| BANGKOK BANK PUBLIC CO LTD | U/KB | 50.46 |
| MERCHANTS SAVINGS & LOAN ASSN INC | Thrift Bank | 51.60 |
| PHIL STAR DEVELOPMENT BANK INC | Thrift Bank | 52.14 |
| INTERNATIONALE NEDERLANDEN GROEP BK | U/KB | 52.65 |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | Thrift Bank | 58.58 |
| MBANK PHILIPPINES (A THRIFT BANK) INC | Thrift Bank | 59.52 |
| SAMPAGUITA SAVINGS BANK INC | Thrift Bank | 59.77 |
| BANK ONE SAVINGS AND TRUST CORP. | Thrift Bank | 66.55 |
| PROGRESS SAVINGS AND LOAN BANK INC | Thrift Bank | 80.57 |
| CENTURY SAVINGS BANK CORPORATION | Thrift Bank | 83.14 |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | U/KB | 88.76 |
| PNB SAVINGS BANK | Thrift Bank | 96.47 |
| PACIFIC ACE SAVINGS BANK INC | Thrift Bank | 113.78 |
| TOWER DEVELOPMENT BANK | Thrift Bank | 114.76 |
| UNITED OVERSEAS BANK PHILIPPINES | Thrift Bank | 122.35 |
| PAMPANGA DEVELOPMENT BANK | Thrift Bank | 124.50 |
| ISLA BANK(A THRIFT BANK) INC | Thrift Bank | 188.35 |
| CARD SME BANK INC A THRIFT BANK | Thrift Bank | 437.20 |
| BDO ELITE SAVINGS BANK INC | Thrift Bank | 452.49 |
| Philippine Banking System | ||
| Common Tier 1 Ratio | ||
| March 31, 2015 | ||
| 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 |
| CITYSTATE SAVINGS BANK INC | 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 |
| MBANK PHILIPPINES (A THRIFT BANK) INC | Thrift Bank | 0.00 |
| METRO CEBU PUBLIC SAVINGS BANK | Thrift Bank | 0.00 |
| MICROFINANCE MAXIMUM SB INC | 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 |
| PACIFIC ACE SAVINGS 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 |
| ROBINSONS BANK CORPORATION | U/KB | 0.00 |
| SAMPAGUITA SAVINGS BANK INC | Thrift Bank | 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 | 6.35 |
| EAST WEST BANKING CORP | U/KB | 9.49 |
| LAND BANK OF THE PHILIPPINES | U/KB | 9.54 |
| DEVELOPMENT BANK OF THE PHIL | U/KB | 10.12 |
| SECURITY BANK SAVINGS CORPORATION | Thrift Bank | 10.15 |
| METROPOLITAN BANK & TCO | U/KB | 10.36 |
| MIZUHO BANK LTD - MANILA BRANCH | U/KB | 10.42 |
| BDO UNIBANK INC | U/KB | 10.56 |
| THE BNK OF TOKYO-MITSUBISHI UFJ LTD | U/KB | 10.73 |
| RIZAL COMM'L BANKING CORP | U/KB | 10.85 |
| PHIL BANK OF COMMUNICATIONS | U/KB | 10.98 |
| CITY SAVINGS BANK INC | Thrift Bank | 11.65 |
| PHIL NATIONAL BANK | U/KB | 12.37 |
| SECURITY BANK CORP | U/KB | 12.53 |
| CHINA BANK SAVINGS INC | Thrift Bank | 12.66 |
| ANZ BANKING GROUP LTD | U/KB | 12.86 |
| STANDARD CHARTERED BANK | U/KB | 12.91 |
| PHIL SAVINGS BANK | Thrift Bank | 13.10 |
| BANK OF THE PHIL ISLANDS | U/KB | 13.58 |
| RCBC SAVINGS BANK INC | Thrift Bank | 13.84 |
| UNION BANK OF THE PHILS | U/KB | 14.07 |
| ASIA UNITED BANK CORPORATION | U/KB | 14.24 |
| CITIBANK, N.A. | U/KB | 14.25 |
| BPI FAMILY SAVINGS BANK INC | Thrift Bank | 14.78 |
| CHINA BANKING CORP | U/KB | 15.07 |
| HONGKONG & SHANGHAI BANKING CORP | U/KB | 15.14 |
| MAYBANK PHILIPPINES INC | U/KB | 15.16 |
| KOREA EXCHANGE BANK | U/KB | 17.41 |
| MEGA INT'L COMM'L BANK CO LTD | U/KB | 19.86 |
| BPI DIRECT SAVINGS BANK INC | Thrift Bank | 19.99 |
| BDO PRIVATE BANK, INC. | U/KB | 20.40 |
| PHILIPPINE VETERANS BANK | U/KB | 20.46 |
| BANK OF COMMERCE | U/KB | 20.62 |
| CTBC BANK (PHILIPPINES) CORP | U/KB | 22.31 |
| BPI GLOBE BANKO INC A SAVINGS BANK | Thrift Bank | 27.07 |
| HSBC SAVINGS BANK(PHILS) INC | Thrift Bank | 27.26 |
| DEUTSCHE BANK AG | U/KB | 28.13 |
| JP MORGAN CHASE BANK NATIONAL ASSN. | U/KB | 32.20 |
| PHIL TRUST COMPANY | U/KB | 42.59 |
| BANGKOK BANK PUBLIC CO LTD | U/KB | 50.46 |
| MERCHANTS SAVINGS & LOAN ASSN INC | Thrift Bank | 51.59 |
| INTERNATIONALE NEDERLANDEN GROEP BK | U/KB | 52.65 |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | U/KB | 88.76 |
| PNB SAVINGS BANK | Thrift Bank | 96.45 |
| BDO ELITE SAVINGS BANK INC | Thrift Bank | 452.49 |
Source: www.bsp.gov.ph
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