There are several commonly used capital adequacy ratios. These are:
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.
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.
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 September 30, 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 1.93)
- Planters Development Bank (Total CAR of 6.87)
- The Palawan Bank (Total CAR of 8.72)
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 1.46)
- CARD SME Bank (Tier One CAR of 3.86)
- Planters Development Bank (Tier One CAR of 6.22)
- The Palawan Bank (Tier One CAR of 8.34)
- Sterling Bank of Asia Inc. (Tier One CAR of 8.56)
- Philippine Postal Savings Bank Inc (Tier One CAR of 9.46)
- Wealth Development Bank Corporation (Tier One CAR of 9.75)
- Land Bank of the Philippines (Tier One CAR of 9.86)
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-six banks reported their CET1 Ratio as 0.00 for September 30, 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 6.22)
- Land Bank of the Philippines (CET1 Ratio of 9.86)
The Total CAR, Tier 1 CAR, and Common Equity Tier 1 CAR of Philippine Banks as of September 30, 2015 is as follows:(Banks that do not meet BSP's minimum capital requirements are highlighted in yellow):
| Philippine Banking System | ||
| TOTAL CAR | ||
| September 30, 2015 | ||
| Bank | Type of Bank | Total CAR |
| BATAAN SAVINGS AND LOAN BANK | Thrift | 0.00 |
| COMSAVINGS BANK | Thrift | 1.93 |
| PLANTERS DEVELOPMENT BANK | Thrift | 6.87 |
| THE PALAWAN BANK (PALAWAN DB) INC | Thrift | 8.72 |
| PHIL POSTAL SAVINGS BANK INC | Thrift | 10.08 |
| SECURITY BANK SAVINGS CORPORATION | Thrift | 10.15 |
| WEALTH DEVELOPMENT BANK CORPORATION | Thrift | 10.36 |
| EQUICOM SAVINGS BANK INC | Thrift | 10.71 |
| UNITED COCONUT PLANTERS BANK | U/KB | 10.78 |
| OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE THRIFT BANK) | Thrift | 11.01 |
| MIZUHO BANK LTD - MANILA BRANCH | U/KB | 11.02 |
| ASIA UNITED BANK CORPORATION | U/KB | 11.43 |
| WORLD PARTNERS BANK (A THRIFT BANK) | Thrift | 11.46 |
| LUZON DEVELOPMENT BANK | Thrift | 11.68 |
| BDO UNIBANK INC | U/KB | 12.11 |
| CHINA BANK SAVINGS INC | Thrift | 12.40 |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | Thrift | 12.57 |
| THE BNK OF TOKYO-MITSUBISHI UFJ LTD | U/KB | 12.58 |
| ENTERPRISE BANK INC (A THRIFT BANK) | Thrift | 12.85 |
| BANK OF CHINA LIMITED-MANILA BRANCH | U/KB | 12.87 |
| LAND BANK OF THE PHILIPPINES | U/KB | 12.92 |
| STANDARD CHARTERED BANK | U/KB | 12.94 |
| CITY SAVINGS BANK INC | Thrift | 13.47 |
| BANK OF THE PHIL ISLANDS | U/KB | 13.48 |
| ANZ BANKING GROUP LTD | U/KB | 13.82 |
| RCBC SAVINGS BANK INC | Thrift | 13.99 |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | Thrift | 14.59 |
| HONGKONG & SHANGHAI BANKING CORP | U/KB | 14.80 |
| LEGAZPI SAVINGS BANK INC | Thrift | 14.95 |
| VILLAGE BANK INC (A THRIFT BANK) | Thrift | 14.96 |
| SECURITY BANK CORP | U/KB | 14.98 |
| PHIL NATIONAL BANK | U/KB | 15.12 |
| MAYBANK PHILIPPINES INC | U/KB | 15.25 |
| CHINA BANKING CORP | U/KB | 15.74 |
| BPI FAMILY SAVINGS BANK INC | Thrift | 15.78 |
| FARMERS SAVINGS & LOAN BANK INC | Thrift | 15.83 |
| RIZAL COMM'L BANKING CORP | U/KB | 16.00 |
| MALAYAN BANK SAVINGS AND MORT BANK INC | Thrift | 16.14 |
| PHIL BANK OF COMMUNICATIONS | U/KB | 16.23 |
| CITIBANK, N.A. | U/KB | 16.27 |
| EAST WEST BANKING CORP | U/KB | 16.77 |
| UCPB SAVINGS BANK | Thrift | 17.09 |
| UNION BANK OF THE PHILS | U/KB | 17.11 |
| PRODUCERS SAVINGS BANK CORPORATION | Thrift | 17.38 |
| DEVELOPMENT BANK OF THE PHIL | U/KB | 17.61 |
| PHIL SAVINGS BANK | Thrift | 18.16 |
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | Thrift | 18.46 |
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | Thrift | 18.62 |
| BATAAN DEVELOPMENT BANK | Thrift | 18.65 |
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS) | Thrift | 18.72 |
| METROPOLITAN BANK & TCO | U/KB | 19.24 |
| PHILIPPINE VETERANS BANK | U/KB | 19.25 |
| BANK OF MAKATI (A SAVINGS BANK) INC | Thrift | 19.39 |
| HSBC SAVINGS BANK(PHILS) INC | Thrift | 20.07 |
| MEGA INT'L COMM'L BANK CO LTD | U/KB | 20.50 |
| HIYAS BANKING CORPORATION | Thrift | 20.61 |
| BANK OF COMMERCE | U/KB | 21.02 |
| CITYSTATE SAVINGS BANK INC | Thrift | 22.66 |
| METRO CEBU PUBLIC SAVINGS BANK | Thrift | 22.74 |
| JP MORGAN CHASE BANK NATIONAL ASSN. | U/KB | 22.98 |
| BDO PRIVATE BANK, INC. | U/KB | 23.74 |
| DEUTSCHE BANK AG | U/KB | 24.49 |
| CTBC BANK (PHILIPPINES) CORP | U/KB | 24.74 |
| FIRST CONSOLIDATED BANK INC (A PDB) | Thrift | 25.05 |
| BPI DIRECT SAVINGS BANK INC | Thrift | 25.12 |
| LIFE SAVINGS BANK INC | Thrift | 25.83 |
| DUMAGUETE CITY DEV BANK INC | Thrift | 26.11 |
| CARD SME BANK INC A THRIFT BANK | Thrift | 26.53 |
| KOREA EXCHANGE BANK | U/KB | 27.03 |
| INTER-ASIA DEVELOPMENT BANK | Thrift | 28.09 |
| BUSINESS AND CONSUMERS BANK (A DB) | Thrift | 29.14 |
| TOWER DEVELOPMENT BANK | Thrift | 29.24 |
| BANK OF AMERICA N.A. | U/KB | 31.56 |
| LEMERY SAVINGS & LOAN BANK, INC. | Thrift | 32.78 |
| UNIVERSITY SAVINGS BANK INC | Thrift | 33.02 |
| PAMPANGA DEVELOPMENT BANK | Thrift | 33.15 |
| SUN SAVINGS BANK INC | Thrift | 33.27 |
| MARITIME SAVINGS BANK CORPORATION | Thrift | 33.88 |
| BANGKOK BANK PUBLIC CO LTD | U/KB | 34.42 |
| CORDILLERA SAVINGS BANK INC | Thrift | 34.87 |
| TONGYANG SAVINGS BANK INC | Thrift | 35.50 |
| ROBINSONS BANK CORPORATION | U/KB | 39.11 |
| DUNGGANON BANK (A MICROFINANCE THRIFT BANK) INC | Thrift | 40.51 |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | Thrift | 40.54 |
| PHIL TRUST COMPANY | U/KB | 41.02 |
| MALASIQUI PROGRESSIVE SLB, INC | Thrift | 44.05 |
| NORTHPOINT DEV'T BANK INC | Thrift | 45.45 |
| PHIL STAR DEVELOPMENT BANK INC | Thrift | 51.25 |
| ING BANK N.V. | U/KB | 52.62 |
| OPTIMUM DEVELOPMENT BANK INC | Thrift | 55.71 |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | Thrift | 57.76 |
| MERCHANTS SAVINGS & LOAN ASSN INC | Thrift | 58.10 |
| PNB SAVINGS BANK | Thrift | 60.68 |
| SAMPAGUITA SAVINGS BANK INC | Thrift | 62.91 |
| BANK ONE SAVINGS AND TRUST CORP. | Thrift | 67.28 |
| CENTURY SAVINGS BANK CORPORATION | Thrift | 80.73 |
| PROGRESS SAVINGS AND LOAN BANK INC | Thrift | 89.95 |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | U/KB | 102.81 |
| UNITED OVERSEAS BANK PHILIPPINES | Thrift | 104.68 |
| ISLA BANK(A THRIFT BANK) INC | Thrift | 190.82 |
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | U/KB | 3,949.59 |
| BDO ELITE SAVINGS BANK INC | Thrift | NA |
| BPI GLOBE BANKO INC A SAVINGS BANK | Thrift | NA |
| MBANK PHILIPPINES (A THRIFT BANK) INC | Thrift | NA |
| MICROFINANCE MAXIMUM SB INC | Thrift | NA |
| PACIFIC ACE SAVINGS BANK INC | Thrift | NA |
| Philippine Banking System | ||
| Tier One CAR | ||
| September 30, 2015 | ||
| Bank | Type of Bank | Tier One CAR |
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | Thrift | 0.00 |
| BATAAN SAVINGS AND LOAN 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 |
| COMSAVINGS BANK | Thrift | 1.46 |
| CARD SME BANK INC A THRIFT BANK | Thrift | 3.86 |
| PLANTERS DEVELOPMENT BANK | Thrift | 6.22 |
| THE PALAWAN BANK (PALAWAN DB) INC | Thrift | 8.34 |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | Thrift | 8.56 |
| PHIL POSTAL SAVINGS BANK INC | Thrift | 9.46 |
| WEALTH DEVELOPMENT BANK CORPORATION | Thrift | 9.75 |
| LAND BANK OF THE PHILIPPINES | U/KB | 9.86 |
| MIZUHO BANK LTD - MANILA BRANCH | U/KB | 10.07 |
| SECURITY BANK SAVINGS CORPORATION | Thrift | 10.15 |
| BDO UNIBANK INC | U/KB | 10.39 |
| DEVELOPMENT BANK OF THE PHIL | U/KB | 10.39 |
| CHINA BANK SAVINGS INC | Thrift | 10.55 |
| UNITED COCONUT PLANTERS BANK | U/KB | 10.78 |
| ASIA UNITED BANK CORPORATION | U/KB | 10.85 |
| LUZON DEVELOPMENT BANK | Thrift | 10.86 |
| WORLD PARTNERS BANK (A THRIFT BANK) | Thrift | 11.08 |
| SECURITY BANK CORP | U/KB | 11.68 |
| THE BNK OF TOKYO-MITSUBISHI UFJ LTD | U/KB | 11.79 |
| PHIL NATIONAL BANK | U/KB | 11.81 |
| RIZAL COMM'L BANKING CORP | U/KB | 12.00 |
| STANDARD CHARTERED BANK | U/KB | 12.35 |
| BANK OF CHINA LIMITED-MANILA BRANCH | U/KB | 12.39 |
| PHIL BANK OF COMMUNICATIONS | U/KB | 12.47 |
| PHIL SAVINGS BANK | Thrift | 12.47 |
| BANK OF THE PHIL ISLANDS | U/KB | 12.60 |
| CITY SAVINGS BANK INC | Thrift | 12.63 |
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS) | Thrift | 12.80 |
| ANZ BANKING GROUP LTD | U/KB | 13.21 |
| EAST WEST BANKING CORP | U/KB | 13.21 |
| UNION BANK OF THE PHILS | U/KB | 13.22 |
| RCBC SAVINGS BANK INC | Thrift | 13.28 |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | Thrift | 13.95 |
| LEGAZPI SAVINGS BANK INC | Thrift | 14.19 |
| MAYBANK PHILIPPINES INC | U/KB | 14.21 |
| HONGKONG & SHANGHAI BANKING CORP | U/KB | 14.24 |
| VILLAGE BANK INC (A THRIFT BANK) | Thrift | 14.63 |
| CHINA BANKING CORP | U/KB | 14.82 |
| BPI FAMILY SAVINGS BANK INC | Thrift | 14.90 |
| FARMERS SAVINGS & LOAN BANK INC | Thrift | 15.08 |
| METROPOLITAN BANK & TCO | U/KB | 15.39 |
| MALAYAN BANK SAVINGS AND MORT BANK INC | Thrift | 15.54 |
| CITIBANK, N.A. | U/KB | 15.57 |
| UCPB SAVINGS BANK | Thrift | 16.43 |
| UNIVERSITY SAVINGS BANK INC | Thrift | 16.51 |
| PRODUCERS SAVINGS BANK CORPORATION | Thrift | 17.17 |
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | Thrift | 17.72 |
| BANK OF MAKATI (A SAVINGS BANK) INC | Thrift | 18.85 |
| PHILIPPINE VETERANS BANK | U/KB | 18.86 |
| HSBC SAVINGS BANK(PHILS) INC | Thrift | 19.38 |
| MEGA INT'L COMM'L BANK CO LTD | U/KB | 19.54 |
| HIYAS BANKING CORPORATION | Thrift | 20.30 |
| BANK OF COMMERCE | U/KB | 20.39 |
| BATAAN DEVELOPMENT BANK | Thrift | 20.59 |
| CITYSTATE SAVINGS BANK INC | Thrift | 22.19 |
| METRO CEBU PUBLIC SAVINGS BANK | Thrift | 22.30 |
| JP MORGAN CHASE BANK NATIONAL ASSN. | U/KB | 22.84 |
| BDO PRIVATE BANK, INC. | U/KB | 23.04 |
| CTBC BANK (PHILIPPINES) CORP | U/KB | 23.96 |
| DEUTSCHE BANK AG | U/KB | 24.17 |
| BPI DIRECT SAVINGS BANK INC | Thrift | 24.31 |
| FIRST CONSOLIDATED BANK INC (A PDB) | Thrift | 24.31 |
| LIFE SAVINGS BANK INC | Thrift | 25.62 |
| DUMAGUETE CITY DEV BANK INC | Thrift | 25.71 |
| KOREA EXCHANGE BANK | U/KB | 26.65 |
| BANK OF AMERICA N.A. | U/KB | 31.14 |
| SUN SAVINGS BANK INC | Thrift | 32.36 |
| LEMERY SAVINGS & LOAN BANK, INC. | Thrift | 32.53 |
| BANGKOK BANK PUBLIC CO LTD | U/KB | 33.44 |
| CORDILLERA SAVINGS BANK INC | Thrift | 34.33 |
| TONGYANG SAVINGS BANK INC | Thrift | 35.50 |
| ROBINSONS BANK CORPORATION | U/KB | 38.33 |
| DUNGGANON BANK (A MICROFINANCE THRIFT BANK) INC | Thrift | 40.08 |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | Thrift | 40.13 |
| PHIL TRUST COMPANY | U/KB | 40.66 |
| MALASIQUI PROGRESSIVE SLB, INC | Thrift | 43.86 |
| NORTHPOINT DEV'T BANK INC | Thrift | 45.45 |
| OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE THRIFT BANK) | Thrift | 49.94 |
| PHIL STAR DEVELOPMENT BANK INC | Thrift | 50.93 |
| ING BANK N.V. | U/KB | 52.20 |
| MERCHANTS SAVINGS & LOAN ASSN INC | Thrift | 57.52 |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | Thrift | 59.63 |
| PNB SAVINGS BANK | Thrift | 59.75 |
| SAMPAGUITA SAVINGS BANK INC | Thrift | 62.88 |
| BANK ONE SAVINGS AND TRUST CORP. | Thrift | 66.81 |
| CENTURY SAVINGS BANK CORPORATION | Thrift | 79.53 |
| PROGRESS SAVINGS AND LOAN BANK INC | Thrift | 89.95 |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | U/KB | 102.31 |
| UNITED OVERSEAS BANK PHILIPPINES | Thrift | 104.08 |
| TOWER DEVELOPMENT BANK | Thrift | 116.66 |
| PAMPANGA DEVELOPMENT BANK | Thrift | 125.13 |
| ISLA BANK(A THRIFT BANK) INC | Thrift | 190.51 |
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | U/KB | 3,948.98 |
| BDO ELITE SAVINGS BANK INC | Thrift | NA |
| BPI GLOBE BANKO INC A SAVINGS BANK | Thrift | NA |
| MBANK PHILIPPINES (A THRIFT BANK) INC | Thrift | NA |
| MICROFINANCE MAXIMUM SB INC | Thrift | NA |
| PACIFIC ACE SAVINGS BANK INC | Thrift | NA |
| Philippine Banking System | ||
| Common Tier 1 Ratio | ||
| September 30, 2015 | ||
| 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 OF MAKATI (A SAVINGS BANK) INC | Thrift | 0.00 |
| BANK ONE SAVINGS AND TRUST CORP. | Thrift | 0.00 |
| BATAAN DEVELOPMENT BANK | Thrift | 0.00 |
| BATAAN SAVINGS AND LOAN 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 |
| 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 |
| 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 |
| PHIL STAR DEVELOPMENT 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 |
| 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 |
| SAMPAGUITA SAVINGS BANK INC | Thrift | 0.00 |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | Thrift | 0.00 |
| SUN SAVINGS BANK INC | Thrift | 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 | 6.22 |
| LAND BANK OF THE PHILIPPINES | U/KB | 9.86 |
| BDO UNIBANK INC | U/KB | 10.00 |
| MIZUHO BANK LTD - MANILA BRANCH | U/KB | 10.07 |
| SECURITY BANK SAVINGS CORPORATION | Thrift | 10.15 |
| DEVELOPMENT BANK OF THE PHIL | U/KB | 10.39 |
| CHINA BANK SAVINGS INC | Thrift | 10.53 |
| ASIA UNITED BANK CORPORATION | U/KB | 10.85 |
| SECURITY BANK CORP | U/KB | 11.68 |
| THE BNK OF TOKYO-MITSUBISHI UFJ LTD | U/KB | 11.79 |
| PHIL NATIONAL BANK | U/KB | 11.81 |
| RIZAL COMM'L BANKING CORP | U/KB | 12.00 |
| STANDARD CHARTERED BANK | U/KB | 12.35 |
| PHIL BANK OF COMMUNICATIONS | U/KB | 12.47 |
| PHIL SAVINGS BANK | Thrift | 12.47 |
| BANK OF THE PHIL ISLANDS | U/KB | 12.60 |
| CITY SAVINGS BANK INC | Thrift | 12.63 |
| ANZ BANKING GROUP LTD | U/KB | 13.21 |
| EAST WEST BANKING CORP | U/KB | 13.21 |
| UNION BANK OF THE PHILS | U/KB | 13.22 |
| RCBC SAVINGS BANK INC | Thrift | 13.28 |
| MAYBANK PHILIPPINES INC | U/KB | 14.21 |
| HONGKONG & SHANGHAI BANKING CORP | U/KB | 14.24 |
| CHINA BANKING CORP | U/KB | 14.82 |
| BPI FAMILY SAVINGS BANK INC | Thrift | 14.90 |
| METROPOLITAN BANK & TCO | U/KB | 15.39 |
| CITIBANK, N.A. | U/KB | 15.57 |
| PHILIPPINE VETERANS BANK | U/KB | 17.13 |
| ROBINSONS BANK CORPORATION | U/KB | 18.19 |
| BDO PRIVATE BANK, INC. | U/KB | 18.26 |
| HSBC SAVINGS BANK(PHILS) INC | Thrift | 19.38 |
| MEGA INT'L COMM'L BANK CO LTD | U/KB | 19.54 |
| BANK OF COMMERCE | U/KB | 20.39 |
| JP MORGAN CHASE BANK NATIONAL ASSN. | U/KB | 22.84 |
| CTBC BANK (PHILIPPINES) CORP | U/KB | 23.96 |
| DEUTSCHE BANK AG | U/KB | 24.17 |
| BPI DIRECT SAVINGS BANK INC | Thrift | 24.31 |
| KOREA EXCHANGE BANK | U/KB | 26.65 |
| BANGKOK BANK PUBLIC CO LTD | U/KB | 33.44 |
| PHIL TRUST COMPANY | U/KB | 40.66 |
| ING BANK N.V. | U/KB | 52.20 |
| MERCHANTS SAVINGS & LOAN ASSN INC | Thrift | 57.52 |
| PNB SAVINGS BANK | Thrift | 59.74 |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | U/KB | 102.31 |
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | U/KB | 3,948.98 |
| BDO ELITE SAVINGS BANK INC | Thrift | NA |
| BPI GLOBE BANKO INC A SAVINGS BANK | Thrift | NA |
| MBANK PHILIPPINES (A THRIFT BANK) INC | Thrift | NA |
| MICROFINANCE MAXIMUM SB INC | Thrift | NA |
| PACIFIC ACE SAVINGS BANK INC | Thrift | NA |
Source: www.bsp.gov.ph
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