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 December 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 2.20)
- Legazpi Savings Bank Inc (Total CAR of 5.19)
- Planters Development Bank (Total CAR of 6.04)
- The Palawan Bank (Total CAR of 8.98)
- United Coconut Planters Bank (Total CAR of 9.28)
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 1.74)
- Legazpi Savings Bank Inc (Tier One CAR of 4.28)
- CARD SME Bank (Tier One CAR of 4.47)
- Planters Development Bank (Tier One CAR of 5.38)
- The Palawan Bank (Tier One CAR of 8.35)
- Sterling Bank of Asia Inc. (Tier One CAR of 9.08)
- Mizuho Bank Ltd - Manila Branch (Tier One CAR of 9.10)
- Wealth Development Bank Corporation (Tier One CAR of 9.12)
- Land Bank of the Philippines (Tier One CAR of 9.72)
- Development Bank of the Philippines (Tier One CAR of 9.86)
- Asia United Bank Corporation (Tier One CAR of 9.95)
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-seven banks reported their CET1 Ratio as 0.00 for December 31, 2015.
However, those banks that did report a CET1 Ratio other than 0.00, five banks reported CET1 Ratios below BSP's recommended ratio. They are as follows:
- Planters Development Bank (CET1 Ratio of 5.38)
- Mizuho Bank Ltd (CET1 Ratio of 9.10)
- Land Bank of the Philippines (CET1 Ratio of 9.72)
- Development Bank of the Philippines (CET1 Ratio of 9.86)
- Asia United Bank Corporation (CET1 Ratio of 9.95)
The Total CAR, Tier 1 CAR, and Common Equity Tier 1 CAR of Philippine Banks as of December 31, 2015 is as follows:(Banks that do not meet BSP's minimum capital requirements are highlighted in yellow):
| Philippine Banking System | ||
| TOTAL CAR | ||
| December 31, 2015 | ||
| Bank | Type of Bank | Total CAR |
| BATAAN SAVINGS AND LOAN BANK | Thrift | 0.00 |
| COMSAVINGS BANK | Thrift | 2.20 |
| LEGAZPI SAVINGS BANK INC | Thrift | 5.19 |
| PLANTERS DEVELOPMENT BANK | Thrift | 6.04 |
| THE PALAWAN BANK (PALAWAN DB) INC | Thrift | 8.98 |
| UNITED COCONUT PLANTERS BANK | U/KB | 9.28 |
| WEALTH DEVELOPMENT BANK CORPORATION | Thrift | 10.05 |
| MIZUHO BANK LTD - MANILA BRANCH | U/KB | 10.06 |
| WORLD PARTNERS BANK (A THRIFT BANK) | Thrift | 10.71 |
| EQUICOM SAVINGS BANK INC | Thrift | 11.03 |
| PHIL POSTAL SAVINGS BANK INC | Thrift | 11.04 |
| BANK OF THE PHIL ISLANDS | U/KB | 12.02 |
| ENTERPRISE BANK INC (A THRIFT BANK) | Thrift | 12.17 |
| BDO UNIBANK INC | U/KB | 12.22 |
| LUZON DEVELOPMENT BANK | Thrift | 12.48 |
| LAND BANK OF THE PHILIPPINES | U/KB | 12.67 |
| OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE THRIFT BANK) | Thrift | 13.03 |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | Thrift | 13.26 |
| THE BNK OF TOKYO-MITSUBISHI UFJ LTD | U/KB | 13.26 |
| RCBC SAVINGS BANK INC | Thrift | 13.55 |
| ASIA UNITED BANK CORPORATION | U/KB | 13.68 |
| STANDARD CHARTERED BANK | U/KB | 13.83 |
| CITY SAVINGS BANK INC | Thrift | 13.91 |
| SECURITY BANK CORP | U/KB | 14.28 |
| BANK OF CHINA LIMITED-MANILA BRANCH | U/KB | 14.29 |
| CHINA BANKING CORP | U/KB | 14.37 |
| PHIL NATIONAL BANK | U/KB | 14.42 |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | Thrift | 14.74 |
| VILLAGE BANK INC (A THRIFT BANK) | Thrift | 14.79 |
| PHIL BANK OF COMMUNICATIONS | U/KB | 15.01 |
| CITIBANK, N.A. | U/KB | 15.27 |
| EAST WEST BANKING CORP | U/KB | 15.45 |
| HIYAS BANKING CORPORATION | Thrift | 15.58 |
| MAYBANK PHILIPPINES INC | U/KB | 15.58 |
| RIZAL COMM'L BANKING CORP | U/KB | 15.63 |
| METROPOLITAN BANK & TCO | U/KB | 16.37 |
| FARMERS SAVINGS & LOAN BANK INC | Thrift | 16.64 |
| DEVELOPMENT BANK OF THE PHIL | U/KB | 16.65 |
| UNION BANK OF THE PHILS | U/KB | 16.65 |
| PRODUCERS SAVINGS BANK CORPORATION | Thrift | 16.68 |
| MALAYAN BANK SAVINGS AND MORT BANK INC | Thrift | 16.74 |
| PHILIPPINE VETERANS BANK | U/KB | 16.81 |
| UCPB SAVINGS BANK | Thrift | 17.43 |
| ANZ BANKING GROUP LTD | U/KB | 17.79 |
| PHIL SAVINGS BANK | Thrift | 18.03 |
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS) | Thrift | 18.04 |
| HONGKONG & SHANGHAI BANKING CORP | U/KB | 18.07 |
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | Thrift | 18.30 |
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | Thrift | 18.37 |
| MEGA INT'L COMM'L BANK CO LTD | U/KB | 18.94 |
| BATAAN DEVELOPMENT BANK | Thrift | 19.03 |
| BANK OF MAKATI (A SAVINGS BANK) INC | Thrift | 19.64 |
| DEUTSCHE BANK AG | U/KB | 20.91 |
| CITYSTATE SAVINGS BANK INC | Thrift | 21.77 |
| BANK OF COMMERCE | U/KB | 21.85 |
| BDO PRIVATE BANK, INC. | U/KB | 21.94 |
| METRO CEBU PUBLIC SAVINGS BANK | Thrift | 22.58 |
| CARD SME BANK INC A THRIFT BANK | Thrift | 23.13 |
| HSBC SAVINGS BANK(PHILS) INC | Thrift | 23.34 |
| CHINA BANK SAVINGS INC | Thrift | 23.56 |
| CTBC BANK (PHILIPPINES) CORP | U/KB | 24.31 |
| FIRST CONSOLIDATED BANK INC (A PDB) | Thrift | 24.99 |
| DUMAGUETE CITY DEV BANK INC | Thrift | 25.62 |
| BPI DIRECT SAVINGS BANK INC | Thrift | 26.43 |
| JP MORGAN CHASE BANK NATIONAL ASSN. | U/KB | 26.53 |
| LIFE SAVINGS BANK INC | Thrift | 26.58 |
| INTER-ASIA DEVELOPMENT BANK | Thrift | 27.64 |
| BUSINESS AND CONSUMERS BANK (A DB) | Thrift | 28.14 |
| BANGKOK BANK PUBLIC CO LTD | U/KB | 29.71 |
| TOWER DEVELOPMENT BANK | Thrift | 30.63 |
| UNIVERSITY SAVINGS BANK INC | Thrift | 32.49 |
| PAMPANGA DEVELOPMENT BANK | Thrift | 32.64 |
| KOREA EXCHANGE BANK | U/KB | 32.99 |
| MBANK PHILIPPINES (A THRIFT BANK) INC | Thrift | 33.05 |
| SUN SAVINGS BANK INC | Thrift | 33.78 |
| MARITIME SAVINGS BANK CORPORATION | Thrift | 34.18 |
| ROBINSONS BANK CORPORATION | U/KB | 34.39 |
| BANK OF AMERICA N.A. | U/KB | 34.51 |
| LEMERY SAVINGS & LOAN BANK, INC. | Thrift | 34.98 |
| CORDILLERA SAVINGS BANK INC | Thrift | 37.02 |
| PHIL TRUST COMPANY | U/KB | 38.24 |
| DUNGGANON BANK (A MICROFINANCE THRIFT BANK) INC | Thrift | 38.42 |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | Thrift | 39.34 |
| MALASIQUI PROGRESSIVE SLB, INC | Thrift | 42.92 |
| NORTHPOINT DEV'T BANK INC | Thrift | 44.18 |
| PACIFIC ACE SAVINGS BANK INC | Thrift | 53.92 |
| PHIL STAR DEVELOPMENT BANK INC | Thrift | 54.18 |
| BANK ONE SAVINGS AND TRUST CORP. | Thrift | 55.00 |
| PNB SAVINGS BANK | Thrift | 56.09 |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | Thrift | 57.95 |
| SAMPAGUITA SAVINGS BANK INC | Thrift | 60.12 |
| OPTIMUM DEVELOPMENT BANK INC | Thrift | 62.17 |
| ING BANK N.V. | U/KB | 76.70 |
| CENTURY SAVINGS BANK CORPORATION | Thrift | 80.91 |
| MERCHANTS SAVINGS & LOAN ASSN INC | Thrift | 90.26 |
| PROGRESS SAVINGS AND LOAN BANK INC | Thrift | 96.64 |
| TONGYANG SAVINGS BANK INC | Thrift | 97.01 |
| INDUSTRIAL BANK OF KOREA - MANILA BRANCH | U/KB | 97.81 |
| UNITED OVERSEAS BANK PHILIPPINES | Thrift | 100.58 |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | U/KB | 105.19 |
| CATHAY UNITED BANK CO LTD | U/KB | 196.27 |
| ISLA BANK(A THRIFT BANK) INC | Thrift | 232.21 |
| SHINHAN BANK - MANILA BRANCH | U/KB | 657.79 |
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | U/KB | 6,448.04 |
| BDO ELITE SAVINGS BANK INC | Thrift | NA |
| BPI FAMILY SAVINGS BANK INC | Thrift | NA |
| BPI GLOBE BANKO INC A SAVINGS BANK | Thrift | NA |
| MICROFINANCE MAXIMUM SB INC | Thrift | NA |
| SECURITY BANK SAVINGS CORPORATION | Thrift | NA |
| Philippine Banking System | ||
| Tier One CAR | ||
| December 31, 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 | 1.74 |
| LEGAZPI SAVINGS BANK INC | Thrift | 4.38 |
| CARD SME BANK INC A THRIFT BANK | Thrift | 4.47 |
| PLANTERS DEVELOPMENT BANK | Thrift | 5.38 |
| THE PALAWAN BANK (PALAWAN DB) INC | Thrift | 8.35 |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | Thrift | 9.08 |
| MIZUHO BANK LTD - MANILA BRANCH | U/KB | 9.10 |
| WEALTH DEVELOPMENT BANK CORPORATION | Thrift | 9.12 |
| LAND BANK OF THE PHILIPPINES | U/KB | 9.72 |
| DEVELOPMENT BANK OF THE PHIL | U/KB | 9.86 |
| ASIA UNITED BANK CORPORATION | U/KB | 9.95 |
| PHIL POSTAL SAVINGS BANK INC | Thrift | 10.14 |
| WORLD PARTNERS BANK (A THRIFT BANK) | Thrift | 10.38 |
| BDO UNIBANK INC | U/KB | 10.53 |
| BANK OF THE PHIL ISLANDS | U/KB | 11.12 |
| PHIL NATIONAL BANK | U/KB | 11.19 |
| SECURITY BANK CORP | U/KB | 11.24 |
| PHIL BANK OF COMMUNICATIONS | U/KB | 11.49 |
| LUZON DEVELOPMENT BANK | Thrift | 11.78 |
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS) | Thrift | 11.79 |
| RIZAL COMM'L BANKING CORP | U/KB | 11.90 |
| EAST WEST BANKING CORP | U/KB | 12.15 |
| PHIL SAVINGS BANK | Thrift | 12.39 |
| THE BNK OF TOKYO-MITSUBISHI UFJ LTD | U/KB | 12.42 |
| RCBC SAVINGS BANK INC | Thrift | 12.82 |
| UNION BANK OF THE PHILS | U/KB | 12.98 |
| METROPOLITAN BANK & TCO | U/KB | 13.00 |
| CITY SAVINGS BANK INC | Thrift | 13.07 |
| STANDARD CHARTERED BANK | U/KB | 13.22 |
| CHINA BANKING CORP | U/KB | 13.44 |
| BANK OF CHINA LIMITED-MANILA BRANCH | U/KB | 13.56 |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | Thrift | 14.06 |
| VILLAGE BANK INC (A THRIFT BANK) | Thrift | 14.47 |
| MAYBANK PHILIPPINES INC | U/KB | 14.50 |
| CITIBANK, N.A. | U/KB | 14.56 |
| HIYAS BANKING CORPORATION | Thrift | 15.26 |
| FARMERS SAVINGS & LOAN BANK INC | Thrift | 15.86 |
| MALAYAN BANK SAVINGS AND MORT BANK INC | Thrift | 16.15 |
| PRODUCERS SAVINGS BANK CORPORATION | Thrift | 16.15 |
| UNIVERSITY SAVINGS BANK INC | Thrift | 16.25 |
| PHILIPPINE VETERANS BANK | U/KB | 16.41 |
| UCPB SAVINGS BANK | Thrift | 16.74 |
| ANZ BANKING GROUP LTD | U/KB | 17.29 |
| HONGKONG & SHANGHAI BANKING CORP | U/KB | 17.36 |
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | Thrift | 17.61 |
| MEGA INT'L COMM'L BANK CO LTD | U/KB | 17.99 |
| BANK OF MAKATI (A SAVINGS BANK) INC | Thrift | 19.07 |
| DEUTSCHE BANK AG | U/KB | 20.53 |
| CITYSTATE SAVINGS BANK INC | Thrift | 21.09 |
| BATAAN DEVELOPMENT BANK | Thrift | 21.13 |
| BDO PRIVATE BANK, INC. | U/KB | 21.24 |
| BANK OF COMMERCE | U/KB | 21.36 |
| CHINA BANK SAVINGS INC | Thrift | 21.77 |
| METRO CEBU PUBLIC SAVINGS BANK | Thrift | 22.24 |
| HSBC SAVINGS BANK(PHILS) INC | Thrift | 22.71 |
| CTBC BANK (PHILIPPINES) CORP | U/KB | 23.49 |
| FIRST CONSOLIDATED BANK INC (A PDB) | Thrift | 24.10 |
| DUMAGUETE CITY DEV BANK INC | Thrift | 25.23 |
| BPI DIRECT SAVINGS BANK INC | Thrift | 25.61 |
| JP MORGAN CHASE BANK NATIONAL ASSN. | U/KB | 26.36 |
| LIFE SAVINGS BANK INC | Thrift | 26.37 |
| BANGKOK BANK PUBLIC CO LTD | U/KB | 28.73 |
| KOREA EXCHANGE BANK | U/KB | 32.63 |
| SUN SAVINGS BANK INC | Thrift | 32.92 |
| MBANK PHILIPPINES (A THRIFT BANK) INC | Thrift | 33.05 |
| ROBINSONS BANK CORPORATION | U/KB | 33.63 |
| BANK OF AMERICA N.A. | U/KB | 34.06 |
| LEMERY SAVINGS & LOAN BANK, INC. | Thrift | 34.74 |
| CORDILLERA SAVINGS BANK INC | Thrift | 36.47 |
| PHIL TRUST COMPANY | U/KB | 37.90 |
| DUNGGANON BANK (A MICROFINANCE THRIFT BANK) INC | Thrift | 38.07 |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | Thrift | 38.95 |
| MALASIQUI PROGRESSIVE SLB, INC | Thrift | 42.74 |
| NORTHPOINT DEV'T BANK INC | Thrift | 44.18 |
| PACIFIC ACE SAVINGS BANK INC | Thrift | 53.80 |
| PHIL STAR DEVELOPMENT BANK INC | Thrift | 54.01 |
| BANK ONE SAVINGS AND TRUST CORP. | Thrift | 54.56 |
| PNB SAVINGS BANK | Thrift | 55.16 |
| OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE THRIFT BANK) | Thrift | 58.40 |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | Thrift | 59.24 |
| SAMPAGUITA SAVINGS BANK INC | Thrift | 60.08 |
| ING BANK N.V. | U/KB | 76.35 |
| CENTURY SAVINGS BANK CORPORATION | Thrift | 80.05 |
| MERCHANTS SAVINGS & LOAN ASSN INC | Thrift | 89.63 |
| PROGRESS SAVINGS AND LOAN BANK INC | Thrift | 96.64 |
| TONGYANG SAVINGS BANK INC | Thrift | 97.01 |
| INDUSTRIAL BANK OF KOREA - MANILA BRANCH | U/KB | 97.81 |
| UNITED OVERSEAS BANK PHILIPPINES | Thrift | 99.96 |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | U/KB | 104.69 |
| TOWER DEVELOPMENT BANK | Thrift | 117.96 |
| PAMPANGA DEVELOPMENT BANK | Thrift | 126.04 |
| CATHAY UNITED BANK CO LTD | U/KB | 196.27 |
| ISLA BANK(A THRIFT BANK) INC | Thrift | 231.83 |
| SHINHAN BANK - MANILA BRANCH | U/KB | 657.28 |
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | U/KB | 6,447.79 |
| BDO ELITE SAVINGS BANK INC | Thrift | NA |
| BPI FAMILY SAVINGS BANK INC | Thrift | NA |
| BPI GLOBE BANKO INC A SAVINGS BANK | Thrift | NA |
| MICROFINANCE MAXIMUM SB INC | Thrift | NA |
| SECURITY BANK SAVINGS CORPORATION | Thrift | NA |
| UNITED COCONUT PLANTERS BANK | U/KB | NA |
| Philippine Banking System | ||
| Common Tier 1 Ratio | ||
| December 31, 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 |
| MBANK PHILIPPINES (A THRIFT BANK) 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 |
| 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 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 | 5.38 |
| MIZUHO BANK LTD - MANILA BRANCH | U/KB | 9.10 |
| LAND BANK OF THE PHILIPPINES | U/KB | 9.72 |
| DEVELOPMENT BANK OF THE PHIL | U/KB | 9.86 |
| ASIA UNITED BANK CORPORATION | U/KB | 9.95 |
| BDO UNIBANK INC | U/KB | 10.17 |
| BANK OF THE PHIL ISLANDS | U/KB | 11.12 |
| PHIL NATIONAL BANK | U/KB | 11.19 |
| SECURITY BANK CORP | U/KB | 11.24 |
| PHIL BANK OF COMMUNICATIONS | U/KB | 11.49 |
| RIZAL COMM'L BANKING CORP | U/KB | 11.90 |
| EAST WEST BANKING CORP | U/KB | 12.15 |
| PHIL SAVINGS BANK | Thrift | 12.39 |
| THE BNK OF TOKYO-MITSUBISHI UFJ LTD | U/KB | 12.42 |
| RCBC SAVINGS BANK INC | Thrift | 12.82 |
| UNION BANK OF THE PHILS | U/KB | 12.98 |
| METROPOLITAN BANK & TCO | U/KB | 13.00 |
| CITY SAVINGS BANK INC | Thrift | 13.07 |
| STANDARD CHARTERED BANK | U/KB | 13.22 |
| CHINA BANKING CORP | U/KB | 13.44 |
| MAYBANK PHILIPPINES INC | U/KB | 14.50 |
| CITIBANK, N.A. | U/KB | 14.56 |
| PHILIPPINE VETERANS BANK | U/KB | 14.71 |
| ROBINSONS BANK CORPORATION | U/KB | 15.81 |
| BDO PRIVATE BANK, INC. | U/KB | 16.51 |
| ANZ BANKING GROUP LTD | U/KB | 17.29 |
| HONGKONG & SHANGHAI BANKING CORP | U/KB | 17.36 |
| MEGA INT'L COMM'L BANK CO LTD | U/KB | 17.99 |
| DEUTSCHE BANK AG | U/KB | 20.53 |
| BANK OF COMMERCE | U/KB | 21.36 |
| CHINA BANK SAVINGS INC | Thrift | 21.76 |
| HSBC SAVINGS BANK(PHILS) INC | Thrift | 22.71 |
| CTBC BANK (PHILIPPINES) CORP | U/KB | 23.49 |
| BPI DIRECT SAVINGS BANK INC | Thrift | 25.61 |
| JP MORGAN CHASE BANK NATIONAL ASSN. | U/KB | 26.36 |
| BANGKOK BANK PUBLIC CO LTD | U/KB | 28.73 |
| KOREA EXCHANGE BANK | U/KB | 32.63 |
| PHIL TRUST COMPANY | U/KB | 37.90 |
| PNB SAVINGS BANK | Thrift | 55.15 |
| ING BANK N.V. | U/KB | 76.35 |
| MERCHANTS SAVINGS & LOAN ASSN INC | Thrift | 89.63 |
| INDUSTRIAL BANK OF KOREA - MANILA BRANCH | U/KB | 97.81 |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | U/KB | 104.69 |
| CATHAY UNITED BANK CO LTD | U/KB | 196.27 |
| SHINHAN BANK - MANILA BRANCH | U/KB | 657.28 |
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | U/KB | 6,447.79 |
| BDO ELITE SAVINGS BANK INC | Thrift | NA |
| BPI FAMILY SAVINGS BANK INC | Thrift | NA |
| BPI GLOBE BANKO INC A SAVINGS BANK | Thrift | NA |
| MICROFINANCE MAXIMUM SB INC | Thrift | NA |
| SECURITY BANK SAVINGS CORPORATION | Thrift | NA |
| UNITED COCONUT PLANTERS BANK | U/KB | NA |
Source: www.bsp.gov.ph
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