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 March 31, 2016. 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)
- GSIS Family Bank/Comsavings Bank (Total CAR of 0.03)
- Legazpi Savings Bank Inc (Total CAR of 5.77)
- Mizuho Bank Ltd - Manila Branch (Total CAR of 8.96)
- The Palawan Bank Inc (Total CAR of 9.49)
TIER ONE CAR
Eight banks reported Tier One CAR of 0.00 as of March 31, 2016. Of those that did report Tier One CAR greater than 0.00, eight have less than the BSP-recommended Tier One CARs of 10.00. These banks are:
- GSIS Family Bank/Comsavings Bank (Tier One CAR of 0.01)
- CARD SME Bank Inc (Tier One CAR of 4.12)
- Legazpi Savings Bank Inc (Tier One CAR of 4.97)
- Mizuho Bank Ltd - Manila Branch (Tier One CAR of 8.08)
- Sterling Bank of Asia Inc (Tier One CAR of 8.93)
- Wealth Development Bank Corporation (Tier One CAR of 9.28)
- China Bank Savings Inc (Tier One CAR of 9.77)
- The Palawan Bank Inc (Tier One CAR of 9.91)
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-four banks reported their CET1 Ratio as 0.00 for March 31, 2016.
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:
- Legazpi Savings Bank (CET1 Ratio of 4.97)
- Mizuho Bank Ltd (CET1 Ratio of 8.08)
- China Bank Savings Inc (CET1 Ratio of 9.77)
The Total CAR, Tier 1 CAR, and Common Equity Tier 1 CAR of Philippine Banks as of March 31, 2016 is as follows:(Banks that do not meet BSP's minimum capital requirements are highlighted in yellow):
| Philippine Banking System | ||
| TOTAL CAR | ||
| March 31, 2016 | ||
| Bank | Type of Bank | Total CAR |
| BATAAN SAVINGS AND LOAN BANK | Thrift | 0.00 |
| COMSAVINGS BANK | Thrift | 0.03 |
| LEGAZPI SAVINGS BANK INC | Thrift | 5.77 |
| MIZUHO BANK LTD - MANILA BRANCH | U/KB | 8.96 |
| THE PALAWAN BANK (PALAWAN DB) INC | Thrift | 9.49 |
| UNITED COCONUT PLANTERS BANK | U/KB | 10.00 |
| WEALTH DEVELOPMENT BANK CORPORATION | Thrift | 10.19 |
| EQUICOM SAVINGS BANK INC | Thrift | 10.56 |
| CHINA BANK SAVINGS INC | Thrift | 10.81 |
| PHIL POSTAL SAVINGS BANK INC | Thrift | 11.23 |
| LUZON DEVELOPMENT BANK | Thrift | 11.24 |
| OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE THRIFT BANK) | Thrift | 11.50 |
| LAND BANK OF THE PHILIPPINES | U/KB | 12.07 |
| WORLD PARTNERS BANK (A THRIFT BANK) | Thrift | 12.07 |
| BANK OF THE PHIL ISLANDS | U/KB | 12.33 |
| BDO UNIBANK INC | U/KB | 12.51 |
| PHIL NATIONAL BANK | U/KB | 12.96 |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | Thrift | 13.06 |
| THE BNK OF TOKYO-MITSUBISHI UFJ LTD | U/KB | 13.34 |
| RCBC SAVINGS BANK INC | Thrift | 13.34 |
| ENTERPRISE BANK INC (A THRIFT BANK) | Thrift | 13.39 |
| PHIL BANK OF COMMUNICATIONS | U/KB | 13.48 |
| VILLAGE BANK INC (A THRIFT BANK) | Thrift | 13.84 |
| CITY SAVINGS BANK INC | Thrift | 13.93 |
| SECURITY BANK CORP | U/KB | 14.14 |
| CHINA BANKING CORP | U/KB | 14.60 |
| MALAYAN BANK SAVINGS AND MORT BANK INC | Thrift | 14.76 |
| EAST WEST BANKING CORP | U/KB | 14.77 |
| ASIA UNITED BANK CORPORATION | U/KB | 14.82 |
| PHIL SAVINGS BANK | Thrift | 15.00 |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | Thrift | 15.34 |
| MAYBANK PHILIPPINES INC | U/KB | 15.51 |
| DEVELOPMENT BANK OF THE PHIL | U/KB | 15.71 |
| BPI FAMILY SAVINGS BANK INC | Thrift | 15.73 |
| BANK OF CHINA LIMITED-MANILA BRANCH | U/KB | 15.74 |
| UNION BANK OF THE PHILS | U/KB | 15.88 |
| PHILIPPINE VETERANS BANK | U/KB | 16.23 |
| RIZAL COMM'L BANKING CORP | U/KB | 16.24 |
| PRODUCERS SAVINGS BANK CORPORATION | Thrift | 16.78 |
| HONGKONG & SHANGHAI BANKING CORP | U/KB | 17.21 |
| BATAAN DEVELOPMENT BANK | Thrift | 17.43 |
| FARMERS SAVINGS & LOAN BANK INC | Thrift | 17.67 |
| DUMAGUETE CITY DEV BANK INC | Thrift | 17.96 |
| HIYAS BANKING CORPORATION | Thrift | 18.13 |
| CITYSTATE SAVINGS BANK INC | Thrift | 18.37 |
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS | Thrift | 18.39 |
| CITIBANK, N.A. | U/KB | 18.43 |
| ANZ BANKING GROUP LTD | U/KB | 18.51 |
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | Thrift | 18.72 |
| MEGA INT'L COMM'L BANK CO LTD | U/KB | 19.03 |
| DEUTSCHE BANK AG | U/KB | 19.14 |
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | Thrift | 19.91 |
| BANK OF COMMERCE | U/KB | 19.93 |
| BANK OF MAKATI (A SAVINGS BANK) INC | Thrift | 20.26 |
| METRO CEBU PUBLIC SAVINGS BANK | Thrift | 20.85 |
| BDO PRIVATE BANK, INC. | U/KB | 22.17 |
| CTBC BANK (PHILIPPINES) CORP | U/KB | 22.93 |
| CARD SME BANK INC A THRIFT BANK | Thrift | 24.97 |
| FIRST CONSOLIDATED BANK INC (A PDB) | Thrift | 25.62 |
| LIFE SAVINGS BANK INC | Thrift | 25.73 |
| INTER-ASIA DEVELOPMENT BANK | Thrift | 26.27 |
| MBANK PHILIPPINES (A THRIFT BANK) INC | Thrift | 27.46 |
| BUSINESS AND CONSUMERS BANK (A DB) | Thrift | 28.04 |
| BPI DIRECT SAVINGS BANK INC | Thrift | 28.87 |
| JP MORGAN CHASE BANK NATIONAL ASSN. | U/KB | 30.62 |
| KEB HANA BANK - MANILA BRANCH | U/KB | 30.96 |
| PAMPANGA DEVELOPMENT BANK | Thrift | 32.08 |
| BANGKOK BANK PUBLIC CO LTD | U/KB | 32.18 |
| SUN SAVINGS BANK INC | Thrift | 32.27 |
| TOWER DEVELOPMENT BANK | Thrift | 32.31 |
| ROBINSONS BANK CORPORATION | U/KB | 33.78 |
| UNIVERSITY SAVINGS BANK INC | Thrift | 34.15 |
| LEMERY SAVINGS & LOAN BANK, INC. | Thrift | 34.94 |
| MARITIME SAVINGS BANK CORPORATION | Thrift | 34.99 |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | Thrift | 37.81 |
| CORDILLERA SAVINGS BANK INC | Thrift | 39.21 |
| NORTHPOINT DEV'T BANK INC | Thrift | 40.12 |
| MALASIQUI PROGRESSIVE SLB, INC | Thrift | 41.16 |
| PHIL TRUST COMPANY | U/KB | 42.45 |
| DUNGGANON BANK (A MICROFINANCE THRIFT BANK) INC | Thrift | 44.20 |
| BANK OF AMERICA N.A. | U/KB | 46.68 |
| PNB SAVINGS BANK | Thrift | 50.02 |
| PHIL STAR DEVELOPMENT BANK INC | Thrift | 53.02 |
| PACIFIC ACE SAVINGS BANK INC | Thrift | 58.87 |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | Thrift | 59.66 |
| OPTIMUM DEVELOPMENT BANK INC | Thrift | 60.40 |
| BANK ONE SAVINGS AND TRUST CORP. | Thrift | 62.47 |
| ING BANK N.V. | U/KB | 63.20 |
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | U/KB | 68.20 |
| MERCHANTS SAVINGS & LOAN ASSN INC | Thrift | 82.22 |
| CENTURY SAVINGS BANK CORPORATION | Thrift | 82.45 |
| TONGYANG SAVINGS BANK INC | Thrift | 85.29 |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | U/KB | 97.72 |
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | U/KB | 169.93 |
| ISLA BANK(A THRIFT BANK) INC | Thrift | 177.15 |
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | U/KB | 287.00 |
| SHINHAN BANK - MANILA BRANCH | U/KB | 585.49 |
| Philippine Banking System | ||
| Tier One CAR | ||
| March 31, 2016 | ||
| 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 | 0.01 |
| CARD SME BANK INC A THRIFT BANK | Thrift | 4.12 |
| LEGAZPI SAVINGS BANK INC | Thrift | 4.97 |
| MIZUHO BANK LTD - MANILA BRANCH | U/KB | 8.08 |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | Thrift | 8.93 |
| WEALTH DEVELOPMENT BANK CORPORATION | Thrift | 9.28 |
| CHINA BANK SAVINGS INC | Thrift | 9.77 |
| THE PALAWAN BANK (PALAWAN DB) INC | Thrift | 9.91 |
| UNITED COCONUT PLANTERS BANK | U/KB | 10.00 |
| PHIL BANK OF COMMUNICATIONS | U/KB | 10.20 |
| PHIL POSTAL SAVINGS BANK INC | Thrift | 10.33 |
| LUZON DEVELOPMENT BANK | Thrift | 10.61 |
| BDO UNIBANK INC | U/KB | 10.85 |
| ASIA UNITED BANK CORPORATION | U/KB | 11.08 |
| LAND BANK OF THE PHILIPPINES | U/KB | 11.18 |
| SECURITY BANK CORP | U/KB | 11.29 |
| DEVELOPMENT BANK OF THE PHIL | U/KB | 11.38 |
| BANK OF THE PHIL ISLANDS | U/KB | 11.45 |
| EAST WEST BANKING CORP | U/KB | 11.51 |
| WORLD PARTNERS BANK (A THRIFT BANK) | Thrift | 11.67 |
| PHIL SAVINGS BANK | Thrift | 11.86 |
| PHIL NATIONAL BANK | U/KB | 12.09 |
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS | Thrift | 12.16 |
| UNION BANK OF THE PHILS | U/KB | 12.30 |
| RIZAL COMM'L BANKING CORP | U/KB | 12.46 |
| THE BNK OF TOKYO-MITSUBISHI UFJ LTD | U/KB | 12.60 |
| RCBC SAVINGS BANK INC | Thrift | 12.62 |
| CITY SAVINGS BANK INC | Thrift | 13.13 |
| VILLAGE BANK INC (A THRIFT BANK) | Thrift | 13.41 |
| CHINA BANKING CORP | U/KB | 13.68 |
| MALAYAN BANK SAVINGS AND MORT BANK INC | Thrift | 14.21 |
| MAYBANK PHILIPPINES INC | U/KB | 14.46 |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | Thrift | 14.65 |
| BPI FAMILY SAVINGS BANK INC | Thrift | 14.86 |
| BANK OF CHINA LIMITED-MANILA BRANCH | U/KB | 15.09 |
| PHILIPPINE VETERANS BANK | U/KB | 15.81 |
| PRODUCERS SAVINGS BANK CORPORATION | Thrift | 16.26 |
| HONGKONG & SHANGHAI BANKING CORP | U/KB | 16.56 |
| FARMERS SAVINGS & LOAN BANK INC | Thrift | 16.86 |
| UNIVERSITY SAVINGS BANK INC | Thrift | 17.07 |
| DUMAGUETE CITY DEV BANK INC | Thrift | 17.69 |
| CITIBANK, N.A. | U/KB | 17.71 |
| HIYAS BANKING CORPORATION | Thrift | 17.77 |
| CITYSTATE SAVINGS BANK INC | Thrift | 17.81 |
| ANZ BANKING GROUP LTD | U/KB | 17.93 |
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | Thrift | 17.95 |
| MEGA INT'L COMM'L BANK CO LTD | U/KB | 18.07 |
| DEUTSCHE BANK AG | U/KB | 18.59 |
| BATAAN DEVELOPMENT BANK | Thrift | 19.28 |
| BANK OF COMMERCE | U/KB | 19.44 |
| BANK OF MAKATI (A SAVINGS BANK) INC | Thrift | 19.66 |
| METRO CEBU PUBLIC SAVINGS BANK | Thrift | 20.85 |
| BDO PRIVATE BANK, INC. | U/KB | 21.51 |
| CTBC BANK (PHILIPPINES) CORP | U/KB | 22.09 |
| FIRST CONSOLIDATED BANK INC (A PDB) | Thrift | 24.75 |
| LIFE SAVINGS BANK INC | Thrift | 25.53 |
| MBANK PHILIPPINES (A THRIFT BANK) INC | Thrift | 27.46 |
| BPI DIRECT SAVINGS BANK INC | Thrift | 28.08 |
| JP MORGAN CHASE BANK NATIONAL ASSN. | U/KB | 30.42 |
| KEB HANA BANK - MANILA BRANCH | U/KB | 30.57 |
| BANGKOK BANK PUBLIC CO LTD | U/KB | 31.21 |
| SUN SAVINGS BANK INC | Thrift | 31.44 |
| ROBINSONS BANK CORPORATION | U/KB | 33.02 |
| LEMERY SAVINGS & LOAN BANK, INC. | Thrift | 34.70 |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | Thrift | 37.42 |
| CORDILLERA SAVINGS BANK INC | Thrift | 38.64 |
| NORTHPOINT DEV'T BANK INC | Thrift | 40.12 |
| MALASIQUI PROGRESSIVE SLB, INC | Thrift | 40.97 |
| PHIL TRUST COMPANY | U/KB | 42.12 |
| DUNGGANON BANK (A MICROFINANCE THRIFT BANK) INC | Thrift | 43.85 |
| BANK OF AMERICA N.A. | U/KB | 46.06 |
| OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE THRIFT BANK) | Thrift | 46.53 |
| PNB SAVINGS BANK | Thrift | 49.14 |
| PHIL STAR DEVELOPMENT BANK INC | Thrift | 52.86 |
| PACIFIC ACE SAVINGS BANK INC | Thrift | 58.84 |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | Thrift | 59.14 |
| BANK ONE SAVINGS AND TRUST CORP. | Thrift | 62.78 |
| ING BANK N.V. | U/KB | 62.85 |
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | U/KB | 68.20 |
| MERCHANTS SAVINGS & LOAN ASSN INC | Thrift | 81.54 |
| CENTURY SAVINGS BANK CORPORATION | Thrift | 81.57 |
| TONGYANG SAVINGS BANK INC | Thrift | 85.29 |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | U/KB | 97.26 |
| TOWER DEVELOPMENT BANK | Thrift | 118.82 |
| PAMPANGA DEVELOPMENT BANK | Thrift | 125.97 |
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | U/KB | 169.93 |
| ISLA BANK(A THRIFT BANK) INC | Thrift | 176.86 |
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | U/KB | 286.00 |
| SHINHAN BANK - MANILA BRANCH | U/KB | 585.02 |
| Philippine Banking System | ||
| Common Tier 1 Ratio | ||
| March 31, 2016 | ||
| 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 |
| 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 |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | Thrift | 0.00 |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 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 |
| UNITED COCONUT PLANTERS BANK | U/KB | 0.00 |
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | U/KB | 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 |
| LEGAZPI SAVINGS BANK INC | Thrift | 4.97 |
| MIZUHO BANK LTD - MANILA BRANCH | U/KB | 8.08 |
| CHINA BANK SAVINGS INC | Thrift | 9.77 |
| PHIL BANK OF COMMUNICATIONS | U/KB | 10.20 |
| BDO UNIBANK INC | U/KB | 10.49 |
| ASIA UNITED BANK CORPORATION | U/KB | 11.08 |
| LAND BANK OF THE PHILIPPINES | U/KB | 11.18 |
| SECURITY BANK CORP | U/KB | 11.29 |
| DEVELOPMENT BANK OF THE PHIL | U/KB | 11.38 |
| BANK OF THE PHIL ISLANDS | U/KB | 11.45 |
| EAST WEST BANKING CORP | U/KB | 11.51 |
| PHIL SAVINGS BANK | Thrift | 11.86 |
| PHIL NATIONAL BANK | U/KB | 12.09 |
| UNION BANK OF THE PHILS | U/KB | 12.30 |
| RIZAL COMM'L BANKING CORP | U/KB | 12.45 |
| THE BNK OF TOKYO-MITSUBISHI UFJ LTD | U/KB | 12.60 |
| RCBC SAVINGS BANK INC | Thrift | 12.62 |
| CITY SAVINGS BANK INC | Thrift | 13.13 |
| CHINA BANKING CORP | U/KB | 13.68 |
| PHILIPPINE VETERANS BANK | U/KB | 14.15 |
| MAYBANK PHILIPPINES INC | U/KB | 14.46 |
| BPI FAMILY SAVINGS BANK INC | Thrift | 14.86 |
| HONGKONG & SHANGHAI BANKING CORP | U/KB | 16.56 |
| BDO PRIVATE BANK, INC. | U/KB | 17.01 |
| CITIBANK, N.A. | U/KB | 17.71 |
| ANZ BANKING GROUP LTD | U/KB | 17.93 |
| MEGA INT'L COMM'L BANK CO LTD | U/KB | 18.07 |
| DEUTSCHE BANK AG | U/KB | 18.59 |
| BANK OF COMMERCE | U/KB | 19.44 |
| CTBC BANK (PHILIPPINES) CORP | U/KB | 22.09 |
| BPI DIRECT SAVINGS BANK INC | Thrift | 28.08 |
| JP MORGAN CHASE BANK NATIONAL ASSN. | U/KB | 30.42 |
| KEB HANA BANK - MANILA BRANCH | U/KB | 30.57 |
| BANGKOK BANK PUBLIC CO LTD | U/KB | 31.21 |
| ROBINSONS BANK CORPORATION | U/KB | 33.02 |
| PHIL TRUST COMPANY | U/KB | 42.12 |
| PNB SAVINGS BANK | Thrift | 49.13 |
| ING BANK N.V. | U/KB | 62.85 |
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | U/KB | 68.20 |
| MERCHANTS SAVINGS & LOAN ASSN INC | Thrift | 81.54 |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | U/KB | 97.26 |
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | U/KB | 169.93 |
| SHINHAN BANK - MANILA BRANCH | U/KB | 585.02 |
Source: www.bsp.gov.ph
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