As the table below suggests, it seems that around 42 banks (highlighted in yellow, failed banks in red) fall into this deficiency.
| Philippine Banking System | |||||
| NPL Coverage Ratio | |||||
| March 31, 2016 | |||||
| Bank | Loan Loss Provision | Gross NPLs | NPL Coverage Ratio | ||
| COMSAVINGS BANK | 2,124,886.63 | 123,954,903.23 | 15.91% | ||
| METRO CEBU PUBLIC SAVINGS BANK | 728,519.99 | 33,141,249.35 | 19.71% | ||
| LUZON DEVELOPMENT BANK | 21,809,469.24 | 502,440,093.82 | 23.75% | ||
| LIFE SAVINGS BANK INC | 483,552.75 | 14,471,347.63 | 24.02% | ||
| ENTERPRISE BANK INC (A THRIFT BANK) | 11,623,476.37 | 202,762,328.37 | 27.30% | ||
| CITYSTATE SAVINGS BANK INC | 15,435,556.59 | 104,173,490.42 | 28.52% | ||
| PHIL STAR DEVELOPMENT BANK INC | 249,929.94 | 22,292,920.67 | 28.95% | ||
| PRODUCERS SAVINGS BANK CORPORATION | 48,486,660.38 | 419,368,420.08 | 31.87% | ||
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 51,634,427.73 | 465,054,664.05 | 35.31% | ||
| EQUICOM SAVINGS BANK INC | 35,809,689.24 | 628,959,599.20 | 36.25% | ||
| MARITIME SAVINGS BANK CORPORATION | 1,123,238.69 | 18,967,928.16 | 36.63% | ||
| BANK ONE SAVINGS AND TRUST CORP. | 4,448,609.20 | 43,637,518.34 | 37.89% | ||
| CENTURY SAVINGS BANK CORPORATION | 2,747,443.70 | 36,700,532.80 | 39.74% | ||
| BUSINESS AND CONSUMERS BANK (A DB) | 1,088,146.74 | 12,845,565.49 | 42.04% | ||
| BATAAN DEVELOPMENT BANK | 811,483.88 | 52,217,092.82 | 43.56% | ||
| MAYBANK PHILIPPINES INC | 553,044,987.75 | 3,024,944,946.97 | 43.73% | ||
| PHIL POSTAL SAVINGS BANK INC | 92,206,431.95 | 717,752,551.68 | 44.00% | ||
| CHINA BANK SAVINGS INC | 475,990,677.74 | 4,549,219,978.08 | 44.51% | ||
| PAMPANGA DEVELOPMENT BANK | 2,074,767.44 | 51,534,369.70 | 47.77% | ||
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 1,608,981.76 | 6,746,068.42 | 48.42% | ||
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 182,600,097.15 | 1,087,159,493.74 | 55.37% | ||
| BANK OF MAKATI (A SAVINGS BANK) INC | 177,389,506.24 | 2,516,436,612.37 | 56.40% | ||
| EAST WEST BANKING CORP | 1,591,034,579.23 | 7,474,511,324.47 | 56.91% | ||
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 6,639,627.43 | 31,084,409.26 | 61.67% | ||
| UCPB SAVINGS BANK | 104,273,830.95 | 856,508,320.63 | 61.80% | ||
| FARMERS SAVINGS & LOAN BANK INC | 2,453,138.00 | 50,080,709.46 | 62.23% | ||
| INTER-ASIA DEVELOPMENT BANK | 1,085,847.54 | 6,689,543.53 | 64.18% | ||
| UNITED COCONUT PLANTERS BANK | 1,501,394,240.40 | 6,836,778,610.02 | 65.12% | ||
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 16,976,324.00 | 133,102,736.71 | 66.23% | ||
| MALAYAN BANK SAVINGS AND MORT BANK INC | 32,824,870.98 | 327,845,644.41 | 67.08% | ||
| RCBC SAVINGS BANK INC | 464,885,716.32 | 2,872,795,780.67 | 68.47% | ||
| NORTHPOINT DEV'T BANK INC | 1,177,879.77 | 94,096,190.02 | 68.85% | ||
| PNB SAVINGS BANK | 200,919,767.08 | 609,706,180.38 | 69.15% | ||
| LEMERY SAVINGS & LOAN BANK, INC. | 537,336.58 | 3,881,258.69 | 69.23% | ||
| MALASIQUI PROGRESSIVE SLB, INC | 232,889.90 | 10,374,279.25 | 69.25% | ||
| STANDARD CHARTERED BANK | 346,543,502.35 | 2,278,638,352.86 | 69.59% | ||
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS | 65,111,614.59 | 1,207,149,863.21 | 70.78% | ||
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 380,932,981.60 | 1,363,458,725.91 | 74.04% | ||
| CORDILLERA SAVINGS BANK INC | 1,813,327.03 | 17,515,169.24 | 74.88% | ||
| SAMPAGUITA SAVINGS BANK INC | 29,788.98 | 23,413,200.13 | 75.13% | ||
| DUMAGUETE CITY DEV BANK INC | 3,665,047.39 | 23,560,325.61 | 80.36% | ||
| WEALTH DEVELOPMENT BANK CORPORATION | 32,755,406.48 | 171,106,359.50 | 80.77% | ||
| PHILIPPINE VETERANS BANK | 92,015,394.51 | 1,615,544,700.24 | 81.90% | ||
| WORLD PARTNERS BANK (A THRIFT BANK) | 2,153,214.36 | 89,776,191.28 | 82.69% | ||
| ROBINSONS BANK CORPORATION | 252,150,329.02 | 774,220,614.92 | 83.70% | ||
| PACIFIC ACE SAVINGS BANK INC | 37,831.95 | 3,782,186.69 | 83.85% | ||
| PHIL BANK OF COMMUNICATIONS | 334,633,053.32 | 2,378,811,531.66 | 83.88% | ||
| DEVELOPMENT BANK OF THE PHIL | 1,895,722,878.48 | 7,038,193,955.06 | 85.39% | ||
| LEGAZPI SAVINGS BANK INC | 13,069,469.94 | 444,500,412.39 | 85.82% | ||
| DUNGGANON BANK (A MICROFINANCE THRIFT BANK) INC | 796,391.78 | 24,430,246.08 | 87.13% | ||
| CITY SAVINGS BANK INC | 523,168,446.92 | 1,353,054,887.96 | 88.86% | ||
| OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE THRIFT BANK) | 1,359,194.15 | 54,900,327.72 | 89.76% | ||
| ASIA UNITED BANK CORPORATION | 864,610,808.09 | 1,854,694,629.44 | 91.11% | ||
| MBANK PHILIPPINES (A THRIFT BANK) INC | 0.00 | 45,113,736.09 | 92.59% | ||
| BPI FAMILY SAVINGS BANK INC | 2,390,035,147.62 | 6,508,531,670.81 | 94.23% | ||
| VILLAGE BANK INC (A THRIFT BANK) | 2,205,319.18 | 22,807,557.82 | 95.62% | ||
| PHIL SAVINGS BANK | 1,189,727,827.72 | 4,481,147,395.87 | 96.01% | ||
| OPTIMUM DEVELOPMENT BANK INC | 9,872,071.98 | 42,853,861.64 | 98.78% | ||
| TOWER DEVELOPMENT BANK | 1,880,789.14 | 7,264,450.04 | 99.20% | ||
| SUN SAVINGS BANK INC | 3,724,375.27 | 11,990,048.68 | 103.66% | ||
| BPI DIRECT SAVINGS BANK INC | 85,229,286.01 | 207,822,985.12 | 104.14% | ||
| UNION BANK OF THE PHILS | 1,240,174,309.90 | 8,360,973,754.06 | 105.68% | ||
| TONGYANG SAVINGS BANK INC | 2,517,115.53 | 109,127,631.25 | 106.22% | ||
| CTBC BANK (PHILIPPINES) CORP | 271,258,198.17 | 487,807,689.04 | 108.97% | ||
| THE PALAWAN BANK (PALAWAN DB) INC | 2,512,179.84 | 16,583,546.90 | 111.25% | ||
| BANK OF COMMERCE | 334,877,808.29 | 1,887,090,295.63 | 113.77% | ||
| HONGKONG & SHANGHAI BANKING CORP | 694,674,217.03 | 899,409,381.84 | 116.17% | ||
| FIRST CONSOLIDATED BANK INC (A PDB) | 145,811,679.22 | 568,716,866.32 | 118.62% | ||
| BATAAN SAVINGS AND LOAN BANK | 475,323.57 | 1,309,539.09 | 121.80% | ||
| CHINA BANKING CORP | 3,506,602,318.21 | 4,876,035,550.35 | 127.46% | ||
| PHIL NATIONAL BANK | 3,394,731,377.42 | 8,780,325,611.75 | 127.99% | ||
| CARD SME BANK INC A THRIFT BANK | 19,574,919.05 | 44,589,231.22 | 143.21% | ||
| LAND BANK OF THE PHILIPPINES | 5,500,000,000.00 | 7,511,786,605.02 | 146.79% | ||
| MERCHANTS SAVINGS & LOAN ASSN INC | 4,711,986.87 | 13,753,722.97 | 150.07% | ||
| BANK OF CHINA LIMITED-MANILA BRANCH | 99,622,264.02 | 189,040,895.91 | 155.98% | ||
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 416,549.69 | 850,456.50 | 159.65% | ||
| BANK OF THE PHIL ISLANDS | 7,908,304,288.98 | 8,475,648,800.89 | 160.56% | ||
| RIZAL COMM'L BANKING CORP | 2,001,407,953.29 | 2,003,401,017.35 | 172.42% | ||
| BDO UNIBANK INC | 13,754,942,588.07 | 13,800,355,156.83 | 175.13% | ||
| SECURITY BANK CORP | 2,270,917,915.50 | 1,739,821,626.09 | 191.39% | ||
| PHIL TRUST COMPANY | 172,399,510.02 | 1,067,922,361.62 | 208.75% | ||
| UNIVERSITY SAVINGS BANK INC | 3,155,546.48 | 20,050,548.52 | 210.85% | ||
| KEB HANA BANK - MANILA BRANCH | 26,689,419.26 | 23,200,185.28 | 264.11% | ||
| HIYAS BANKING CORPORATION | 2,385,717.63 | 10,828,045.54 | 264.51% | ||
| METROPOLITAN BANK & TCO | 6,650,732,368.98 | 2,819,089,112.47 | 364.69% | ||
| BANGKOK BANK PUBLIC CO LTD | 254,245,824.34 | 48,559,050.66 | 623.58% | ||
| CITIBANK, N.A. | 4,209,245,363.54 | 837,642,102.38 | 663.46% | ||
| MEGA INT'L COMM'L BANK CO LTD | 125,582,756.78 | 19,685,472.23 | 1165.25% | ||
| ANZ BANKING GROUP LTD | 208,523,258.90 | 1,408,950.67 | 14799.90% | ||
| ING BANK N.V. | 66,495,813.67 | 94.14 | 73290744.43% | ||
| BANK OF AMERICA N.A. | 27,699,996.00 | 0.00 | NA | ||
| BDO PRIVATE BANK, INC. | 180,465,389.63 | 0.00 | NA | ||
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | 1,430,000.00 | 0.00 | NA | ||
| DEUTSCHE BANK AG | 104,118,270.53 | 0.00 | NA | ||
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | 0.00 | 0.00 | NA | ||
| ISLA BANK(A THRIFT BANK) INC | 1,084,511.77 | 0.00 | NA | ||
| JP MORGAN CHASE BANK NATIONAL ASSN. | 19,265,114.78 | 0.00 | NA | ||
| MIZUHO BANK LTD - MANILA BRANCH | 320,118,499.43 | 0.00 | NA | ||
| SHINHAN BANK - MANILA BRANCH | 1,746,715.00 | 0.00 | NA | ||
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | 14,742,686.11 | 0.00 | NA | ||
| THE BNK OF TOKYO-MITSUBISHI UFJ LTD | 345,315,850.46 | 0.00 | NA | ||
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | 6,290,644.55 | 0.00 | NA | ||
| Grand Total | 130,601,533,351.38 | 117.38% | |||
Source: www.bsp.gov.ph
Raising the NPL Coverage Ratio to a minimum of 80% will entail additional loan loss provisions for some banks that could eat into a substantial chunk (20% or more) of their Stockholder's Equity. Based on the table below, one already defunct bank (GSIS Family Bank/Comsavings Bank) and seven more banks will be severely affected:
| Philippine Banking System | ||||||||
| Impact on SE of Minimum Loan Loss Provisions | ||||||||
| March 31, 2016 | ||||||||
| Bank | Gross NPLs | Minimum Loan Loss Provisions at 80% NPL Coverage Ratio | General Loan Loss Provision | Specific Allowance | Actual Loan Loss Provisions | Excess/Deficit Loan Loss Provisions | Stockholder's Equity | Impact on SE |
| COMSAVINGS BANK | 123,954,903.23 | 99,163,922.58 | 2,124,886.63 | 17,599,122.18 | 19,724,008.81 | -79,439,913.77 | -14,871,098.93 | 534.19% |
| LUZON DEVELOPMENT BANK | 502,440,093.82 | 401,952,075.06 | 21,809,469.24 | 97,502,220.03 | 119,311,689.27 | -282,640,385.79 | 514,702,802.08 | -54.91% |
| EQUICOM SAVINGS BANK INC | 628,959,599.20 | 503,167,679.36 | 35,809,689.24 | 192,188,729.83 | 227,998,419.07 | -275,169,260.29 | 608,549,369.40 | -45.22% |
| METRO CEBU PUBLIC SAVINGS BANK | 33,141,249.35 | 26,512,999.48 | 728,519.99 | 5,802,715.85 | 6,531,235.84 | -19,981,763.64 | 50,216,111.76 | -39.79% |
| ENTERPRISE BANK INC (A THRIFT BANK) | 202,762,328.37 | 162,209,862.70 | 11,623,476.37 | 43,730,337.29 | 55,353,813.66 | -106,856,049.04 | 270,279,168.77 | -39.54% |
| BATAAN DEVELOPMENT BANK | 52,217,092.82 | 41,773,674.26 | 811,483.88 | 21,935,302.96 | 22,746,786.84 | -19,026,887.42 | 75,058,838.36 | -25.35% |
| PHIL POSTAL SAVINGS BANK INC | 717,752,551.68 | 574,202,041.34 | 92,206,431.95 | 223,614,001.17 | 315,820,433.12 | -258,381,608.22 | 1,099,051,703.05 | -23.51% |
| CHINA BANK SAVINGS INC | 4,549,219,978.08 | 3,639,375,982.46 | 475,990,677.74 | 1,548,820,837.86 | 2,024,811,515.60 | -1,614,564,466.86 | 7,091,924,010.19 | -22.77% |
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 465,054,664.05 | 372,043,731.24 | 51,634,427.73 | 112,557,813.45 | 164,192,241.18 | -207,851,490.06 | 1,373,635,240.09 | -15.13% |
| PRODUCERS SAVINGS BANK CORPORATION | 419,368,420.08 | 335,494,736.06 | 48,486,660.38 | 85,160,871.34 | 133,647,531.72 | -201,847,204.34 | 1,478,697,823.29 | -13.65% |
| PHIL STAR DEVELOPMENT BANK INC | 22,292,920.67 | 17,834,336.54 | 249,929.94 | 6,204,092.97 | 6,454,022.91 | -11,380,313.63 | 86,119,650.31 | -13.21% |
| PAMPANGA DEVELOPMENT BANK | 51,534,369.70 | 41,227,495.76 | 2,074,767.44 | 22,543,845.90 | 24,618,613.34 | -16,608,882.42 | 127,741,654.42 | -13.00% |
| MARITIME SAVINGS BANK CORPORATION | 18,967,928.16 | 15,174,342.53 | 1,123,238.69 | 5,825,406.55 | 6,948,645.24 | -8,225,697.29 | 63,824,827.96 | -12.89% |
| LIFE SAVINGS BANK INC | 14,471,347.63 | 11,577,078.10 | 483,552.75 | 2,991,768.92 | 3,475,321.67 | -8,101,756.43 | 63,975,738.30 | -12.66% |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 1,087,159,493.74 | 869,727,594.99 | 182,600,097.15 | 419,393,553.49 | 601,993,650.64 | -267,733,944.35 | 2,357,568,666.67 | -11.36% |
| MAYBANK PHILIPPINES INC | 3,024,944,946.97 | 2,419,955,957.58 | 553,044,987.75 | 769,699,207.70 | 1,322,744,195.45 | -1,097,211,762.13 | 11,807,365,760.48 | -9.29% |
| BANK OF MAKATI (A SAVINGS BANK) INC | 2,516,436,612.37 | 2,013,149,289.90 | 177,389,506.24 | 1,241,838,834.52 | 1,419,228,340.76 | -593,920,949.14 | 6,444,147,100.67 | -9.22% |
| CITYSTATE SAVINGS BANK INC | 104,173,490.42 | 83,338,792.34 | 15,435,556.59 | 14,277,061.27 | 29,712,617.86 | -53,626,174.48 | 601,847,752.96 | -8.91% |
| FARMERS SAVINGS & LOAN BANK INC | 50,080,709.46 | 40,064,567.57 | 2,453,138.00 | 28,710,059.35 | 31,163,197.35 | -8,901,370.22 | 114,600,549.38 | -7.77% |
| UCPB SAVINGS BANK | 856,508,320.63 | 685,206,656.50 | 104,273,830.95 | 425,015,000.84 | 529,288,831.79 | -155,917,824.71 | 2,435,816,116.04 | -6.40% |
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS | 1,207,149,863.21 | 965,719,890.57 | 65,111,614.59 | 789,275,432.44 | 854,387,047.03 | -111,332,843.54 | 1,784,275,725.57 | -6.24% |
| EAST WEST BANKING CORP | 7,474,511,324.47 | 5,979,609,059.58 | 1,591,034,579.23 | 2,662,347,050.31 | 4,253,381,629.54 | -1,726,227,430.04 | 30,858,325,940.39 | -5.59% |
| BUSINESS AND CONSUMERS BANK (A DB) | 12,845,565.49 | 10,276,452.39 | 1,088,146.74 | 4,312,135.01 | 5,400,281.75 | -4,876,170.64 | 89,253,707.43 | -5.46% |
| UNITED COCONUT PLANTERS BANK | 6,836,778,610.02 | 5,469,422,888.02 | 1,501,394,240.40 | 2,950,438,811.00 | 4,451,833,051.40 | -1,017,589,836.62 | 19,119,359,922.50 | -5.32% |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 133,102,736.71 | 106,482,189.37 | 16,976,324.00 | 71,178,380.74 | 88,154,704.74 | -18,327,484.63 | 375,751,041.28 | -4.88% |
| MALAYAN BANK SAVINGS AND MORT BANK INC | 327,845,644.41 | 262,276,515.53 | 32,824,870.98 | 187,092,617.17 | 219,917,488.15 | -42,359,027.38 | 976,392,953.89 | -4.34% |
| RCBC SAVINGS BANK INC | 2,872,795,780.67 | 2,298,236,624.54 | 464,885,716.32 | 1,502,126,828.79 | 1,967,012,545.11 | -331,224,079.43 | 9,598,539,102.47 | -3.45% |
| STANDARD CHARTERED BANK | 2,278,638,352.86 | 1,822,910,682.29 | 346,543,502.35 | 1,239,170,938.00 | 1,585,714,440.35 | -237,196,241.94 | 6,909,522,224.07 | -3.43% |
| BANK ONE SAVINGS AND TRUST CORP. | 43,637,518.34 | 34,910,014.67 | 4,448,609.20 | 12,084,993.33 | 16,533,602.53 | -18,376,412.14 | 567,850,432.04 | -3.24% |
| NORTHPOINT DEV'T BANK INC | 94,096,190.02 | 75,276,952.02 | 1,177,879.77 | 63,608,149.34 | 64,786,029.11 | -10,490,922.91 | 331,785,905.65 | -3.16% |
| SAMPAGUITA SAVINGS BANK INC | 23,413,200.13 | 18,730,560.10 | 29,788.98 | 17,561,298.36 | 17,591,087.34 | -1,139,472.76 | 50,715,417.18 | -2.25% |
| MALASIQUI PROGRESSIVE SLB, INC | 10,374,279.25 | 8,299,423.40 | 232,889.90 | 6,951,706.48 | 7,184,596.38 | -1,114,827.02 | 52,445,475.00 | -2.13% |
| INTER-ASIA DEVELOPMENT BANK | 6,689,543.53 | 5,351,634.82 | 1,085,847.54 | 3,207,794.64 | 4,293,642.18 | -1,057,992.64 | 59,193,775.44 | -1.79% |
| CENTURY SAVINGS BANK CORPORATION | 36,700,532.80 | 29,360,426.24 | 2,747,443.70 | 11,838,592.17 | 14,586,035.87 | -14,774,390.37 | 952,912,227.68 | -1.55% |
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 1,363,458,725.91 | 1,090,766,980.73 | 380,932,981.60 | 628,593,006.72 | 1,009,525,988.32 | -81,240,992.41 | 8,830,498,381.84 | -0.92% |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 31,084,409.26 | 24,867,527.41 | 6,639,627.43 | 12,531,576.73 | 19,171,204.16 | -5,696,323.25 | 657,985,985.94 | -0.87% |
| CORDILLERA SAVINGS BANK INC | 17,515,169.24 | 14,012,135.39 | 1,813,327.03 | 11,302,348.57 | 13,115,675.60 | -896,459.79 | 125,664,192.35 | -0.71% |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 6,746,068.42 | 5,396,854.74 | 1,608,981.76 | 1,657,450.92 | 3,266,432.68 | -2,130,422.06 | 338,395,167.59 | -0.63% |
| PNB SAVINGS BANK | 609,706,180.38 | 487,764,944.30 | 200,919,767.08 | 220,711,648.34 | 421,631,415.42 | -66,133,528.88 | 11,320,014,373.54 | -0.58% |
| LEMERY SAVINGS & LOAN BANK, INC. | 3,881,258.69 | 3,105,006.95 | 537,336.58 | 2,149,506.93 | 2,686,843.51 | -418,163.44 | 77,506,760.30 | -0.54% |
| DUMAGUETE CITY DEV BANK INC | 23,560,325.61 | 18,848,260.49 | 3,665,047.39 | 15,268,797.11 | 18,933,844.50 | 85,584.01 | 248,579,449.51 | 0.03% |
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | 0.00 | 0.00 | 1,430,000.00 | 0.00 | 1,430,000.00 | 1,430,000.00 | 2,126,668,534.24 | 0.07% |
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | 0.00 | 0.00 | 0.00 | 1,682,711.00 | 1,682,711.00 | 1,682,711.00 | 2,156,117,685.21 | 0.08% |
| SHINHAN BANK - MANILA BRANCH | 0.00 | 0.00 | 1,746,715.00 | 0.00 | 1,746,715.00 | 1,746,715.00 | 2,193,246,819.78 | 0.08% |
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | 0.00 | 0.00 | 14,742,686.11 | 0.00 | 14,742,686.11 | 14,742,686.11 | 13,001,849,261.07 | 0.11% |
| PACIFIC ACE SAVINGS BANK INC | 3,782,186.69 | 3,025,749.35 | 37,831.95 | 3,133,434.37 | 3,171,266.32 | 145,516.97 | 71,584,754.64 | 0.20% |
| ROBINSONS BANK CORPORATION | 774,220,614.92 | 619,376,491.94 | 252,150,329.02 | 395,876,369.87 | 648,026,698.89 | 28,650,206.95 | 12,191,054,863.65 | 0.24% |
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | 0.00 | 0.00 | 6,290,644.55 | 0.00 | 6,290,644.55 | 6,290,644.55 | 2,428,842,478.45 | 0.26% |
| WEALTH DEVELOPMENT BANK CORPORATION | 171,106,359.50 | 136,885,087.60 | 32,755,406.48 | 105,448,417.95 | 138,203,824.43 | 1,318,736.83 | 445,256,651.07 | 0.30% |
| ISLA BANK(A THRIFT BANK) INC | 0.00 | 0.00 | 1,084,511.77 | 3,206,068.56 | 4,290,580.33 | 4,290,580.33 | 660,909,436.92 | 0.65% |
| PHILIPPINE VETERANS BANK | 1,615,544,700.24 | 1,292,435,760.19 | 92,015,394.51 | 1,231,167,318.32 | 1,323,182,712.83 | 30,746,952.64 | 4,534,821,338.63 | 0.68% |
| DEVELOPMENT BANK OF THE PHIL | 7,038,193,955.06 | 5,630,555,164.05 | 1,895,722,878.48 | 4,114,505,027.02 | 6,010,227,905.50 | 379,672,741.45 | 43,024,667,080.31 | 0.88% |
| BATAAN SAVINGS AND LOAN BANK | 1,309,539.09 | 1,047,631.27 | 475,323.57 | 1,119,721.05 | 1,595,044.62 | 547,413.35 | 58,434,273.10 | 0.94% |
| OPTIMUM DEVELOPMENT BANK INC | 42,853,861.64 | 34,283,089.31 | 9,872,071.98 | 32,460,576.50 | 42,332,648.48 | 8,049,559.17 | 833,155,770.67 | 0.97% |
| ASIA UNITED BANK CORPORATION | 1,854,694,629.44 | 1,483,755,703.55 | 864,610,808.09 | 825,222,535.60 | 1,689,833,343.69 | 206,077,640.14 | 21,245,414,031.85 | 0.97% |
| PHIL BANK OF COMMUNICATIONS | 2,378,811,531.66 | 1,903,049,225.33 | 334,633,053.32 | 1,660,831,651.24 | 1,995,464,704.56 | 92,415,479.23 | 8,793,670,836.11 | 1.05% |
| TOWER DEVELOPMENT BANK | 7,264,450.04 | 5,811,560.03 | 1,880,789.14 | 5,325,715.22 | 7,206,504.36 | 1,394,944.33 | 122,222,136.06 | 1.14% |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 850,456.50 | 680,365.20 | 416,549.69 | 941,174.08 | 1,357,723.77 | 677,358.57 | 59,144,095.32 | 1.15% |
| CITY SAVINGS BANK INC | 1,353,054,887.96 | 1,082,443,910.37 | 523,168,446.92 | 679,146,867.56 | 1,202,315,314.48 | 119,871,404.11 | 9,245,302,494.26 | 1.30% |
| BANK OF AMERICA N.A. | 0.00 | 0.00 | 27,699,996.00 | 4.00 | 27,700,000.00 | 27,700,000.00 | 2,091,322,952.20 | 1.32% |
| JP MORGAN CHASE BANK NATIONAL ASSN. | 0.00 | 0.00 | 19,265,114.78 | 0.00 | 19,265,114.78 | 19,265,114.78 | 1,426,488,603.82 | 1.35% |
| MERCHANTS SAVINGS & LOAN ASSN INC | 13,753,722.97 | 11,002,978.38 | 4,711,986.87 | 15,927,651.35 | 20,639,638.22 | 9,636,659.84 | 612,310,392.33 | 1.57% |
| DUNGGANON BANK (A MICROFINANCE THRIFT BANK) INC | 24,430,246.08 | 19,544,196.86 | 796,391.78 | 20,489,017.40 | 21,285,409.18 | 1,741,212.32 | 104,169,237.96 | 1.67% |
| SUN SAVINGS BANK INC | 11,990,048.68 | 9,592,038.94 | 3,724,375.27 | 8,704,555.24 | 12,428,930.51 | 2,836,891.57 | 145,145,609.54 | 1.95% |
| CTBC BANK (PHILIPPINES) CORP | 487,807,689.04 | 390,246,151.23 | 271,258,198.17 | 260,293,243.67 | 531,551,441.84 | 141,305,290.61 | 6,855,830,663.30 | 2.06% |
| HONGKONG & SHANGHAI BANKING CORP | 899,409,381.84 | 719,527,505.47 | 694,674,217.03 | 350,168,311.75 | 1,044,842,528.78 | 325,315,023.31 | 13,551,734,365.55 | 2.40% |
| KEB HANA BANK - MANILA BRANCH | 23,200,185.28 | 18,560,148.22 | 26,689,419.26 | 34,585,648.75 | 61,275,068.01 | 42,714,919.79 | 1,544,779,131.02 | 2.77% |
| ING BANK N.V. | 94.14 | 75.31 | 66,495,813.67 | 2,500,093.14 | 68,995,906.81 | 68,995,831.50 | 2,479,962,564.12 | 2.78% |
| WORLD PARTNERS BANK (A THRIFT BANK) | 89,776,191.28 | 71,820,953.02 | 2,153,214.36 | 72,086,532.95 | 74,239,747.31 | 2,418,794.29 | 85,161,688.25 | 2.84% |
| TONGYANG SAVINGS BANK INC | 109,127,631.25 | 87,302,105.00 | 2,517,115.53 | 113,395,425.36 | 115,912,540.89 | 28,610,435.89 | 991,481,664.37 | 2.89% |
| BDO PRIVATE BANK, INC. | 0.00 | 0.00 | 180,465,389.63 | 0.00 | 180,465,389.63 | 180,465,389.63 | 5,932,232,786.68 | 3.04% |
| BPI DIRECT SAVINGS BANK INC | 207,822,985.12 | 166,258,388.10 | 85,229,286.01 | 131,201,068.05 | 216,430,354.06 | 50,171,965.96 | 1,623,265,064.67 | 3.09% |
| RIZAL COMM'L BANKING CORP | 2,003,401,017.35 | 1,602,720,813.88 | 2,001,407,953.29 | 1,452,882,038.28 | 3,454,289,991.57 | 1,851,569,177.69 | 59,798,545,561.99 | 3.10% |
| BPI FAMILY SAVINGS BANK INC | 6,508,531,670.81 | 5,206,825,336.65 | 2,390,035,147.62 | 3,743,228,046.85 | 6,133,263,194.47 | 926,437,857.82 | 26,936,868,345.36 | 3.44% |
| SECURITY BANK CORP | 1,739,821,626.09 | 1,391,857,300.87 | 2,270,917,915.50 | 1,058,962,051.75 | 3,329,879,967.25 | 1,938,022,666.38 | 56,018,676,065.05 | 3.46% |
| PHIL SAVINGS BANK | 4,481,147,395.87 | 3,584,917,916.70 | 1,189,727,827.72 | 3,112,786,542.82 | 4,302,514,370.54 | 717,596,453.84 | 18,366,853,648.79 | 3.91% |
| UNION BANK OF THE PHILS | 8,360,973,754.06 | 6,688,779,003.25 | 1,240,174,309.90 | 7,596,111,122.30 | 8,836,285,432.20 | 2,147,506,428.95 | 54,330,880,740.92 | 3.95% |
| DEUTSCHE BANK AG | 0.00 | 0.00 | 104,118,270.53 | 0.00 | 104,118,270.53 | 104,118,270.53 | 2,630,126,392.10 | 3.96% |
| BANK OF COMMERCE | 1,887,090,295.63 | 1,509,672,236.50 | 334,877,808.29 | 1,812,066,924.54 | 2,146,944,732.83 | 637,272,496.33 | 15,809,033,366.75 | 4.03% |
| CHINA BANKING CORP | 4,876,035,550.35 | 3,900,828,440.28 | 3,506,602,318.21 | 2,708,543,988.37 | 6,215,146,306.58 | 2,314,317,866.30 | 55,960,751,633.40 | 4.14% |
| PHIL NATIONAL BANK | 8,780,325,611.75 | 7,024,260,489.40 | 3,394,731,377.42 | 7,843,502,296.23 | 11,238,233,673.65 | 4,213,973,184.25 | 99,479,327,773.83 | 4.24% |
| METROPOLITAN BANK & TCO | 2,819,089,112.47 | 2,255,271,289.98 | 6,650,732,368.98 | 3,630,273,422.45 | 10,281,005,791.43 | 8,025,734,501.45 | 185,480,722,434.16 | 4.33% |
| BANK OF THE PHIL ISLANDS | 8,475,648,800.89 | 6,780,519,040.71 | 7,908,304,288.98 | 5,700,019,385.00 | 13,608,323,673.98 | 6,827,804,633.27 | 151,023,839,498.91 | 4.52% |
| ANZ BANKING GROUP LTD | 1,408,950.67 | 1,127,160.54 | 208,523,258.90 | 0.00 | 208,523,258.90 | 207,396,098.36 | 4,457,320,208.83 | 4.65% |
| VILLAGE BANK INC (A THRIFT BANK) | 22,807,557.82 | 18,246,046.26 | 2,205,319.18 | 19,603,946.41 | 21,809,265.59 | 3,563,219.33 | 75,877,625.45 | 4.70% |
| CARD SME BANK INC A THRIFT BANK | 44,589,231.22 | 35,671,384.98 | 19,574,919.05 | 44,283,302.01 | 63,858,221.06 | 28,186,836.08 | 567,016,771.25 | 4.97% |
| PHIL TRUST COMPANY | 1,067,922,361.62 | 854,337,889.30 | 172,399,510.02 | 2,056,847,898.67 | 2,229,247,408.69 | 1,374,909,519.39 | 25,726,639,032.81 | 5.34% |
| LAND BANK OF THE PHILIPPINES | 7,511,786,605.02 | 6,009,429,284.02 | 5,500,000,000.00 | 5,526,329,876.75 | 11,026,329,876.75 | 5,016,900,592.73 | 90,116,747,091.57 | 5.57% |
| BANK OF CHINA LIMITED-MANILA BRANCH | 189,040,895.91 | 151,232,716.73 | 99,622,264.02 | 195,235,957.58 | 294,858,221.60 | 143,625,504.87 | 2,437,319,844.20 | 5.89% |
| FIRST CONSOLIDATED BANK INC (A PDB) | 568,716,866.32 | 454,973,493.06 | 145,811,679.22 | 528,825,396.61 | 674,637,075.83 | 219,663,582.77 | 3,443,176,463.62 | 6.38% |
| UNIVERSITY SAVINGS BANK INC | 20,050,548.52 | 16,040,438.82 | 3,155,546.48 | 39,120,680.67 | 42,276,227.15 | 26,235,788.33 | 406,328,237.04 | 6.46% |
| BDO UNIBANK INC | 13,800,355,156.83 | 11,040,284,125.46 | 13,754,942,588.07 | 10,413,307,210.48 | 24,168,249,798.55 | 13,127,965,673.09 | 203,201,182,701.51 | 6.46% |
| OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE THRIFT BANK) | 54,900,327.72 | 43,920,262.18 | 1,359,194.15 | 47,921,314.09 | 49,280,508.24 | 5,360,246.06 | 70,948,851.24 | 7.56% |
| BANGKOK BANK PUBLIC CO LTD | 48,559,050.66 | 38,847,240.53 | 254,245,824.34 | 48,559,050.66 | 302,804,875.00 | 263,957,634.47 | 3,114,101,932.72 | 8.48% |
| THE BNK OF TOKYO-MITSUBISHI UFJ LTD | 0.00 | 0.00 | 345,315,850.46 | 42,894,180.00 | 388,210,030.46 | 388,210,030.46 | 4,579,210,136.29 | 8.48% |
| MEGA INT'L COMM'L BANK CO LTD | 19,685,472.23 | 15,748,377.78 | 125,582,756.78 | 103,801,917.30 | 229,384,674.08 | 213,636,296.30 | 1,839,767,602.61 | 11.61% |
| MIZUHO BANK LTD - MANILA BRANCH | 0.00 | 0.00 | 320,118,499.43 | 9,871,200.00 | 329,989,699.43 | 329,989,699.43 | 2,700,776,216.74 | 12.22% |
| THE PALAWAN BANK (PALAWAN DB) INC | 16,583,546.90 | 13,266,837.52 | 2,512,179.84 | 15,936,241.19 | 18,448,421.03 | 5,181,583.51 | 38,246,352.47 | 13.55% |
| HIYAS BANKING CORPORATION | 10,828,045.54 | 8,662,436.43 | 2,385,717.63 | 26,255,345.63 | 28,641,063.26 | 19,978,626.83 | 128,294,555.44 | 15.57% |
| MBANK PHILIPPINES (A THRIFT BANK) INC | 45,113,736.09 | 36,090,988.87 | 0.00 | 41,771,070.78 | 41,771,070.78 | 5,680,081.91 | 33,665,652.32 | 16.87% |
| LEGAZPI SAVINGS BANK INC | 444,500,412.39 | 355,600,329.91 | 13,069,469.94 | 368,410,946.13 | 381,480,416.07 | 25,880,086.16 | 88,727,977.89 | 29.17% |
| CITIBANK, N.A. | 837,642,102.38 | 670,113,681.90 | 4,209,245,363.54 | 1,348,192,551.77 | 5,557,437,915.31 | 4,887,324,233.41 | 12,864,767,782.19 | 37.99% |
| Grand Total | 130,601,533,351.38 | 104,481,226,681.10 | 67,996,466,337.65 | 85,303,782,891.89 | 153,300,249,229.54 | 48,819,022,548.44 | 1,372,337,207,709.51 | 3.56% |
Out of the seven banks highlighted in yellow, 6 banks have been regularly listed as one of the "The Top Distressed Philippine Banks as of March 31, 2016".
Comsavings Bank aka GSIS Family Savings Bank recently failed last May 13, 2015. Its depositors lost around Php 188 million. See previous blog post: BSP: GSIS Family Bank aka Comsavings Bank is Better Off Dead. As of December 31, 2015, GSIS Family Savings Bank needed to recapitalize itself by more than 5 times if it were to increase its loan loss provisions to meet a minimum NPL Coverage Ratio of 80%.
Luzon Development Bank faces a shortfall of 54.91% of its stated stockholder's equity of Php 514.703 million if it were to increase its loan loss provisions to meet a minimum NPL Coverage Ratio of 80%.
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