As the table below suggests, it seems that around 38 banks (highlighted in yellow, failed banks in red) fall into this deficiency.
| Philippine Banking System | |||||
| NPL Coverage Ratio | |||||
| June 30, 2016 | |||||
| Bank | Loan Loss Provisions | Gross NPLs | NPL Coverage Ratio | ||
| CITYSTATE SAVINGS BANK INC | 29,712,617.86 | 172,898,179.50 | 17.19% | ||
| PHIL POSTAL SAVINGS BANK INC | 313,107,143.75 | 1,536,950,165.58 | 20.37% | ||
| MARITIME SAVINGS BANK CORPORATION | 6,948,645.24 | 32,410,761.69 | 21.44% | ||
| PHIL STAR DEVELOPMENT BANK INC | 6,454,022.91 | 27,476,658.77 | 23.49% | ||
| LUZON DEVELOPMENT BANK | 131,966,669.64 | 494,353,264.19 | 26.69% | ||
| METRO CEBU PUBLIC SAVINGS BANK | 4,953,358.32 | 18,411,436.08 | 26.90% | ||
| ENTERPRISE BANK INC (A THRIFT BANK) | 55,353,813.66 | 203,795,569.05 | 27.16% | ||
| LIFE SAVINGS BANK INC | 4,075,321.67 | 14,292,306.20 | 28.51% | ||
| EQUICOM SAVINGS BANK INC | 198,797,566.90 | 630,278,538.32 | 31.54% | ||
| PRODUCERS SAVINGS BANK CORPORATION | 148,312,084.15 | 347,199,257.38 | 42.72% | ||
| CHINA BANK SAVINGS INC | 2,028,729,027.84 | 4,597,231,811.04 | 44.13% | ||
| BUSINESS AND CONSUMERS BANK (A DB) | 5,623,291.03 | 12,553,457.91 | 44.79% | ||
| BATAAN DEVELOPMENT BANK | 22,746,786.84 | 49,870,042.34 | 45.61% | ||
| PAMPANGA DEVELOPMENT BANK | 25,818,613.34 | 54,236,611.11 | 47.60% | ||
| CENTURY SAVINGS BANK CORPORATION | 17,747,579.87 | 36,913,862.74 | 48.08% | ||
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 223,403,207.14 | 441,108,498.96 | 50.65% | ||
| MALAYAN BANK SAVINGS AND MORT BANK INC | 185,649,835.75 | 346,183,356.28 | 53.63% | ||
| MAYBANK PHILIPPINES INC | 1,434,674,647.54 | 2,669,115,822.47 | 53.75% | ||
| INTER-ASIA DEVELOPMENT BANK | 4,716,868.03 | 8,643,105.28 | 54.57% | ||
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS | 853,127,276.86 | 1,488,786,917.29 | 57.30% | ||
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 88,170,604.74 | 148,090,024.00 | 59.54% | ||
| EAST WEST BANKING CORP | 4,711,477,378.24 | 7,912,724,772.09 | 59.54% | ||
| LEMERY SAVINGS & LOAN BANK, INC. | 2,694,843.51 | 4,490,116.81 | 60.02% | ||
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 604,041,263.84 | 998,463,824.41 | 60.50% | ||
| DUMAGUETE CITY DEV BANK INC | 18,933,844.50 | 31,101,011.91 | 60.88% | ||
| BANK OF MAKATI (A SAVINGS BANK) INC | 1,573,064,785.99 | 2,532,282,531.41 | 62.12% | ||
| MALASIQUI PROGRESSIVE SLB, INC | 7,184,596.38 | 11,269,279.25 | 63.75% | ||
| UNITED COCONUT PLANTERS BANK | 4,459,420,241.08 | 6,911,986,469.19 | 64.52% | ||
| WEALTH DEVELOPMENT BANK CORPORATION | 123,447,293.06 | 188,858,007.72 | 65.37% | ||
| RCBC SAVINGS BANK INC | 2,137,012,545.11 | 3,199,420,755.50 | 66.79% | ||
| BANK ONE SAVINGS AND TRUST CORP. | 22,094,599.83 | 33,065,795.27 | 66.82% | ||
| STANDARD CHARTERED BANK | 1,563,280,967.21 | 2,284,530,263.09 | 68.43% | ||
| ANZ BANKING GROUP LTD | 278,595,585.60 | 405,496,014.93 | 68.70% | ||
| ASIA UNITED BANK CORPORATION | 1,787,052,601.74 | 2,547,367,758.05 | 70.15% | ||
| PNB SAVINGS BANK | 451,994,826.03 | 634,871,221.72 | 71.19% | ||
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 1,062,951,000.48 | 1,408,994,771.06 | 75.44% | ||
| SAMPAGUITA SAVINGS BANK INC | 17,591,087.34 | 22,793,200.13 | 77.18% | ||
| NORTHPOINT DEV'T BANK INC | 70,495,119.82 | 90,582,110.63 | 77.82% | ||
| TOWER DEVELOPMENT BANK | 5,384,178.71 | 6,685,537.47 | 80.53% | ||
| UCPB SAVINGS BANK | 535,399,498.58 | 661,234,335.20 | 80.97% | ||
| PHILIPPINE VETERANS BANK | 1,341,618,638.49 | 1,622,350,451.99 | 82.70% | ||
| CORDILLERA SAVINGS BANK INC | 13,415,675.60 | 16,133,117.87 | 83.16% | ||
| OPTIMUM DEVELOPMENT BANK INC | 44,215,809.90 | 53,012,292.60 | 83.41% | ||
| SUN SAVINGS BANK INC | 13,128,990.79 | 15,076,384.11 | 87.08% | ||
| CITY SAVINGS BANK INC | 1,167,405,306.49 | 1,334,979,051.51 | 87.45% | ||
| DEVELOPMENT BANK OF THE PHIL | 6,102,019,962.84 | 6,911,247,997.24 | 88.29% | ||
| BPI FAMILY SAVINGS BANK INC | 6,329,880,019.50 | 7,159,565,168.62 | 88.41% | ||
| PACIFIC ACE SAVINGS BANK INC | 3,179,420.24 | 3,585,558.79 | 88.67% | ||
| LEGAZPI SAVINGS BANK INC | 401,814,762.28 | 452,148,179.99 | 88.87% | ||
| OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE THRIFT BANK) | 58,170,976.06 | 65,330,857.95 | 89.04% | ||
| PHIL BANK OF COMMUNICATIONS | 2,048,523,995.31 | 2,290,272,280.26 | 89.44% | ||
| ROBINSONS BANK CORPORATION | 660,708,903.88 | 736,544,892.86 | 89.70% | ||
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 19,171,204.16 | 21,263,240.90 | 90.16% | ||
| DUNGGANON BANK (A MICROFINANCE THRIFT BANK) INC | 21,162,208.82 | 23,281,894.32 | 90.90% | ||
| THE PALAWAN BANK (PALAWAN DB) INC | 18,882,676.82 | 20,480,768.99 | 92.20% | ||
| WORLD PARTNERS BANK (A THRIFT BANK) | 74,239,747.31 | 79,014,643.18 | 93.96% | ||
| PHIL SAVINGS BANK | 4,277,993,167.06 | 4,530,087,688.77 | 94.44% | ||
| FARMERS SAVINGS & LOAN BANK INC | 31,418,132.71 | 32,517,022.88 | 96.62% | ||
| MBANK PHILIPPINES (A THRIFT BANK) INC | 42,626,590.24 | 43,962,199.62 | 96.96% | ||
| BATAAN SAVINGS AND LOAN BANK | 1,595,044.62 | 1,611,819.28 | 98.96% | ||
| MICROFINANCE MAXIMUM SB INC | 2,268,856.85 | 2,225,328.29 | 101.96% | ||
| BPI DIRECT SAVINGS BANK INC | 226,232,039.42 | 214,944,591.75 | 105.25% | ||
| UNION BANK OF THE PHILS | 8,704,213,938.79 | 8,218,543,573.33 | 105.91% | ||
| TONGYANG SAVINGS BANK INC | 112,061,459.66 | 104,687,339.74 | 107.04% | ||
| VILLAGE BANK INC (A THRIFT BANK) | 21,809,265.59 | 20,141,994.78 | 108.28% | ||
| HONGKONG & SHANGHAI BANKING CORP | 981,203,722.83 | 895,618,873.66 | 109.56% | ||
| BANK OF COMMERCE | 2,119,632,602.94 | 1,886,506,044.85 | 112.36% | ||
| CTBC BANK (PHILIPPINES) CORP | 532,137,157.57 | 472,679,805.76 | 112.58% | ||
| CHINA BANKING CORP | 6,306,325,862.48 | 4,911,880,180.52 | 128.39% | ||
| PHIL NATIONAL BANK | 11,540,969,653.77 | 8,768,808,377.16 | 131.61% | ||
| LAND BANK OF THE PHILIPPINES | 10,980,298,288.88 | 8,111,482,236.93 | 135.37% | ||
| FIRST CONSOLIDATED BANK INC (A PDB) | 662,459,968.75 | 465,383,904.95 | 142.35% | ||
| HSBC SAVINGS BANK(PHILS) INC | 99,535,324.95 | 68,072,101.26 | 146.22% | ||
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 1,350,781.52 | 893,105.94 | 151.25% | ||
| MERCHANTS SAVINGS & LOAN ASSN INC | 22,856,839.85 | 15,073,857.84 | 151.63% | ||
| BANK OF CHINA LIMITED-MANILA BRANCH | 293,454,774.49 | 189,040,895.91 | 155.23% | ||
| BDO UNIBANK INC | 24,333,841,082.64 | 14,719,008,662.34 | 165.32% | ||
| RIZAL COMM'L BANKING CORP | 3,320,277,428.22 | 1,916,664,973.55 | 173.23% | ||
| HIYAS BANKING CORPORATION | 28,762,365.69 | 16,135,287.17 | 178.26% | ||
| BANK OF THE PHIL ISLANDS | 13,549,323,083.55 | 7,354,653,970.24 | 184.23% | ||
| CARD SME BANK INC A THRIFT BANK | 73,570,445.95 | 38,629,666.38 | 190.45% | ||
| PHIL TRUST COMPANY | 2,229,403,428.42 | 1,158,050,201.78 | 192.51% | ||
| UNIVERSITY SAVINGS BANK INC | 42,576,227.15 | 20,846,206.47 | 204.24% | ||
| KOREA EXCHANGE BANK | 49,295,622.91 | 23,050,189.24 | 213.86% | ||
| SECURITY BANK CORP | 3,435,726,132.11 | 1,601,550,101.28 | 214.53% | ||
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 4,067,517.76 | 1,092,048.97 | 372.47% | ||
| METROPOLITAN BANK & TCO | 10,589,832,461.64 | 2,804,893,015.34 | 377.55% | ||
| CITIBANK, N.A. | 5,597,817,935.35 | 826,105,236.33 | 677.62% | ||
| BANGKOK BANK PUBLIC CO LTD | 318,492,250.00 | 46,936,941.43 | 678.55% | ||
| ING BANK N.V. | 67,685,908.78 | 96.12 | 70418132.31% | ||
| BANK OF AMERICA N.A. | 27,700,000.00 | 0.00 | NA | ||
| BDO PRIVATE BANK, INC. | 181,050,261.34 | 0.00 | NA | ||
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | 6,773,044.06 | 0.00 | NA | ||
| DEUTSCHE BANK AG | 93,908,874.70 | 0.00 | NA | ||
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | 7,986,287.97 | 0.00 | NA | ||
| ISLA BANK(A THRIFT BANK) INC | 4,290,580.33 | 0.00 | NA | ||
| JP MORGAN CHASE BANK NATIONAL ASSN. | 19,265,114.78 | 0.00 | NA | ||
| MEGA INT'L COMM'L BANK CO LTD | 256,278,317.08 | 0.00 | NA | ||
| MIZUHO BANK LTD - MANILA BRANCH | 329,988,262.95 | 0.00 | NA | ||
| SHINHAN BANK - MANILA BRANCH | 2,516,770.00 | 0.00 | NA | ||
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | 47,102,184.19 | 0.00 | NA | ||
| THE BNK OF TOKYO-MITSUBISHI UFJ LTD | 388,210,030.46 | 0.00 | NA | ||
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | 6,326,254.85 | 0.00 | NA | ||
| Grand Total | 155,512,254,884.47 | 133,503,081,743.06 | 116.49% | ||
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, seven banks will be severely affected:
| Philippine Banking System | ||||||||
| Impact on SE of Minimum Loan Loss Provisions | ||||||||
| June 30, 2016 | ||||||||
| Bank | Gross NPLs | Minimum Loan Loss Provisions at 80% NPL Coverage Ratio | Stockholder's Equity | Impact on SE | ||||
| PHIL POSTAL SAVINGS BANK INC | 1,536,950,165.58 | 1,229,560,132.46 | 1,079,783,540.02 | -84.87% | ||||
| LUZON DEVELOPMENT BANK | 494,353,264.19 | 395,482,611.35 | 416,733,280.45 | -63.23% | ||||
| EQUICOM SAVINGS BANK INC | 630,278,538.32 | 504,222,830.66 | 617,618,682.91 | -49.45% | ||||
| ENTERPRISE BANK INC (A THRIFT BANK) | 203,795,569.05 | 163,036,455.24 | 287,486,149.99 | -37.46% | ||||
| MARITIME SAVINGS BANK CORPORATION | 32,410,761.69 | 25,928,609.35 | 64,368,210.04 | -29.49% | ||||
| CHINA BANK SAVINGS INC | 4,597,231,811.04 | 3,677,785,448.83 | 7,054,809,000.64 | -23.37% | ||||
| BATAAN DEVELOPMENT BANK | 49,870,042.34 | 39,896,033.87 | 76,414,810.12 | -22.44% | ||||
| METRO CEBU PUBLIC SAVINGS BANK | 18,411,436.08 | 14,729,148.86 | 49,669,560.96 | -19.68% | ||||
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS | 1,488,786,917.29 | 1,191,029,533.83 | 1,818,789,489.75 | -18.58% | ||||
| CITYSTATE SAVINGS BANK INC | 172,898,179.50 | 138,318,543.60 | 586,187,817.86 | -18.53% | ||||
| PHIL STAR DEVELOPMENT BANK INC | 27,476,658.77 | 21,981,327.02 | 86,146,274.96 | -18.02% | ||||
| PAMPANGA DEVELOPMENT BANK | 54,236,611.11 | 43,389,288.89 | 130,535,813.44 | -13.46% | ||||
| LIFE SAVINGS BANK INC | 14,292,306.20 | 11,433,844.96 | 63,937,372.87 | -11.51% | ||||
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 441,108,498.96 | 352,886,799.17 | 1,350,989,567.78 | -9.58% | ||||
| MALAYAN BANK SAVINGS AND MORT BANK INC | 346,183,356.28 | 276,946,685.02 | 1,000,604,640.85 | -9.12% | ||||
| PRODUCERS SAVINGS BANK CORPORATION | 347,199,257.38 | 277,759,405.90 | 1,524,859,772.80 | -8.49% | ||||
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 148,090,024.00 | 118,472,019.20 | 372,746,052.35 | -8.13% | ||||
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 998,463,824.41 | 798,771,059.53 | 2,623,486,972.12 | -7.42% | ||||
| BANK OF MAKATI (A SAVINGS BANK) INC | 2,532,282,531.41 | 2,025,826,025.13 | 6,196,653,328.78 | -7.31% | ||||
| WEALTH DEVELOPMENT BANK CORPORATION | 188,858,007.72 | 151,086,406.18 | 462,431,438.60 | -5.98% | ||||
| MAYBANK PHILIPPINES INC | 2,669,115,822.47 | 2,135,292,657.98 | 12,018,493,278.79 | -5.83% | ||||
| UNITED COCONUT PLANTERS BANK | 6,911,986,469.19 | 5,529,589,175.35 | 20,492,870,335.85 | -5.22% | ||||
| EAST WEST BANKING CORP | 7,912,724,772.09 | 6,330,179,817.67 | 31,081,202,028.55 | -5.21% | ||||
| BUSINESS AND CONSUMERS BANK (A DB) | 12,553,457.91 | 10,042,766.33 | 88,300,237.85 | -5.01% | ||||
| RCBC SAVINGS BANK INC | 3,199,420,755.50 | 2,559,536,604.40 | 9,808,451,111.88 | -4.31% | ||||
| STANDARD CHARTERED BANK | 2,284,530,263.09 | 1,827,624,210.47 | 7,044,888,340.11 | -3.75% | ||||
| INTER-ASIA DEVELOPMENT BANK | 8,643,105.28 | 6,914,484.22 | 59,872,165.36 | -3.67% | ||||
| MALASIQUI PROGRESSIVE SLB, INC | 11,269,279.25 | 9,015,423.40 | 52,340,717.60 | -3.50% | ||||
| DUMAGUETE CITY DEV BANK INC | 31,101,011.91 | 24,880,809.53 | 259,383,929.02 | -2.29% | ||||
| CENTURY SAVINGS BANK CORPORATION | 36,913,862.74 | 29,531,090.19 | 959,425,221.30 | -1.23% | ||||
| SAMPAGUITA SAVINGS BANK INC | 22,793,200.13 | 18,234,560.10 | 53,089,012.16 | -1.21% | ||||
| LEMERY SAVINGS & LOAN BANK, INC. | 4,490,116.81 | 3,592,093.45 | 77,879,493.47 | -1.15% | ||||
| ASIA UNITED BANK CORPORATION | 2,547,367,758.05 | 2,037,894,206.44 | 22,328,646,145.65 | -1.12% | ||||
| ANZ BANKING GROUP LTD | 405,496,014.93 | 324,396,811.94 | 4,459,614,163.33 | -1.03% | ||||
| BANK ONE SAVINGS AND TRUST CORP. | 33,065,795.27 | 26,452,636.22 | 567,161,360.14 | -0.77% | ||||
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 1,408,994,771.06 | 1,127,195,816.85 | 9,023,492,360.04 | -0.71% | ||||
| NORTHPOINT DEV'T BANK INC | 90,582,110.63 | 72,465,688.50 | 327,525,602.44 | -0.60% | ||||
| PNB SAVINGS BANK | 634,871,221.72 | 507,896,977.38 | 11,350,401,870.37 | -0.49% | ||||
| TOWER DEVELOPMENT BANK | 6,685,537.47 | 5,348,429.98 | 122,922,006.80 | 0.03% | ||||
| SHINHAN BANK - MANILA BRANCH | 0.00 | 0.00 | 2,189,431,028.38 | 0.11% | ||||
| OPTIMUM DEVELOPMENT BANK INC | 53,012,292.60 | 42,409,834.08 | 834,991,689.81 | 0.22% | ||||
| UCPB SAVINGS BANK | 661,234,335.20 | 528,987,468.16 | 2,536,794,737.15 | 0.25% | ||||
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | 0.00 | 0.00 | 2,411,407,664.26 | 0.26% | ||||
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | 0.00 | 0.00 | 2,126,668,534.24 | 0.32% | ||||
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 21,263,240.90 | 17,010,592.72 | 659,437,226.47 | 0.33% | ||||
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | 0.00 | 0.00 | 12,957,803,323.13 | 0.36% | ||||
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | 0.00 | 0.00 | 2,154,923,095.34 | 0.37% | ||||
| CORDILLERA SAVINGS BANK INC | 16,133,117.87 | 12,906,494.30 | 128,118,236.29 | 0.40% | ||||
| PACIFIC ACE SAVINGS BANK INC | 3,585,558.79 | 2,868,447.03 | 71,492,675.46 | 0.43% | ||||
| BATAAN SAVINGS AND LOAN BANK | 1,611,819.28 | 1,289,455.42 | 58,410,077.30 | 0.52% | ||||
| ROBINSONS BANK CORPORATION | 736,544,892.86 | 589,235,914.29 | 12,505,253,121.59 | 0.57% | ||||
| ISLA BANK(A THRIFT BANK) INC | 0.00 | 0.00 | 661,817,655.38 | 0.65% | ||||
| SUN SAVINGS BANK INC | 15,076,384.11 | 12,061,107.29 | 147,125,611.71 | 0.73% | ||||
| PHILIPPINE VETERANS BANK | 1,622,350,451.99 | 1,297,880,361.59 | 4,677,546,607.90 | 0.94% | ||||
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 1,092,048.97 | 873,639.18 | 325,874,434.98 | 0.98% | ||||
| CITY SAVINGS BANK INC | 1,334,979,051.51 | 1,067,983,241.21 | 9,647,530,174.49 | 1.03% | ||||
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 893,105.94 | 714,484.75 | 58,165,977.68 | 1.09% | ||||
| DEVELOPMENT BANK OF THE PHIL | 6,911,247,997.24 | 5,528,998,397.79 | 45,419,872,891.40 | 1.26% | ||||
| BANK OF AMERICA N.A. | 0.00 | 0.00 | 2,091,322,952.20 | 1.32% | ||||
| JP MORGAN CHASE BANK NATIONAL ASSN. | 0.00 | 0.00 | 1,393,814,359.76 | 1.38% | ||||
| MERCHANTS SAVINGS & LOAN ASSN INC | 15,073,857.84 | 12,059,086.27 | 609,565,996.94 | 1.77% | ||||
| MICROFINANCE MAXIMUM SB INC | 2,225,328.29 | 1,780,262.63 | 27,201,833.13 | 1.80% | ||||
| HONGKONG & SHANGHAI BANKING CORP | 895,618,873.66 | 716,495,098.93 | 14,083,308,897.26 | 1.88% | ||||
| KOREA EXCHANGE BANK | 23,050,189.24 | 18,440,151.39 | 1,595,156,751.76 | 1.93% | ||||
| PHIL BANK OF COMMUNICATIONS | 2,290,272,280.26 | 1,832,217,824.21 | 9,980,233,673.56 | 2.17% | ||||
| CTBC BANK (PHILIPPINES) CORP | 472,679,805.76 | 378,143,844.61 | 6,909,861,506.35 | 2.23% | ||||
| SECURITY BANK CORP | 1,601,550,101.28 | 1,281,240,081.02 | 93,932,303,300.77 | 2.29% | ||||
| HSBC SAVINGS BANK(PHILS) INC | 68,072,101.26 | 54,457,681.01 | 1,859,904,358.34 | 2.42% | ||||
| DUNGGANON BANK (A MICROFINANCE THRIFT BANK) INC | 23,281,894.32 | 18,625,515.46 | 104,271,063.48 | 2.43% | ||||
| BPI FAMILY SAVINGS BANK INC | 7,159,565,168.62 | 5,727,652,134.90 | 23,624,397,916.83 | 2.55% | ||||
| ING BANK N.V. | 96.12 | 76.90 | 2,472,191,232.05 | 2.74% | ||||
| TONGYANG SAVINGS BANK INC | 104,687,339.74 | 83,749,871.79 | 997,837,310.34 | 2.84% | ||||
| BDO PRIVATE BANK, INC. | 0.00 | 0.00 | 6,248,101,950.43 | 2.90% | ||||
| RIZAL COMM'L BANKING CORP | 1,916,664,973.55 | 1,533,331,978.84 | 59,840,254,207.15 | 2.99% | ||||
| BPI DIRECT SAVINGS BANK INC | 214,944,591.75 | 171,955,673.40 | 1,690,812,387.49 | 3.21% | ||||
| DEUTSCHE BANK AG | 0.00 | 0.00 | 2,796,792,647.79 | 3.36% | ||||
| PHIL SAVINGS BANK | 4,530,087,688.77 | 3,624,070,151.02 | 18,887,583,220.42 | 3.46% | ||||
| UNION BANK OF THE PHILS | 8,218,543,573.33 | 6,574,834,858.66 | 56,577,745,065.55 | 3.76% | ||||
| BANK OF COMMERCE | 1,886,506,044.85 | 1,509,204,835.88 | 16,120,363,636.35 | 3.79% | ||||
| CHINA BANKING CORP | 4,911,880,180.52 | 3,929,504,144.42 | 56,760,891,371.70 | 4.19% | ||||
| METROPOLITAN BANK & TCO | 2,804,893,015.34 | 2,243,914,412.27 | 189,600,494,988.66 | 4.40% | ||||
| PHIL NATIONAL BANK | 8,768,808,377.16 | 7,015,046,701.73 | 101,991,665,858.76 | 4.44% | ||||
| FARMERS SAVINGS & LOAN BANK INC | 32,517,022.88 | 26,013,618.30 | 116,195,352.51 | 4.65% | ||||
| PHIL TRUST COMPANY | 1,158,050,201.78 | 926,440,161.42 | 27,611,676,868.06 | 4.72% | ||||
| BANK OF THE PHIL ISLANDS | 7,354,653,970.24 | 5,883,723,176.19 | 155,419,085,585.79 | 4.93% | ||||
| LAND BANK OF THE PHILIPPINES | 8,111,482,236.93 | 6,489,185,789.54 | 89,509,759,381.33 | 5.02% | ||||
| BANK OF CHINA LIMITED-MANILA BRANCH | 189,040,895.91 | 151,232,716.73 | 2,509,376,554.41 | 5.67% | ||||
| BDO UNIBANK INC | 14,719,008,662.34 | 11,775,206,929.87 | 210,553,087,345.60 | 5.96% | ||||
| UNIVERSITY SAVINGS BANK INC | 20,846,206.47 | 16,676,965.18 | 406,893,388.71 | 6.37% | ||||
| THE PALAWAN BANK (PALAWAN DB) INC | 20,480,768.99 | 16,384,615.19 | 36,850,127.77 | 6.78% | ||||
| CARD SME BANK INC A THRIFT BANK | 38,629,666.38 | 30,903,733.10 | 625,967,923.15 | 6.82% | ||||
| VILLAGE BANK INC (A THRIFT BANK) | 20,141,994.78 | 16,113,595.82 | 78,319,006.45 | 7.27% | ||||
| OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE THRIFT BANK) | 65,330,857.95 | 52,264,686.36 | 73,940,034.23 | 7.99% | ||||
| FIRST CONSOLIDATED BANK INC (A PDB) | 465,383,904.95 | 372,307,123.96 | 3,598,622,190.10 | 8.06% | ||||
| LEGAZPI SAVINGS BANK INC | 452,148,179.99 | 361,718,543.99 | 496,033,557.31 | 8.08% | ||||
| THE BNK OF TOKYO-MITSUBISHI UFJ LTD | 0.00 | 0.00 | 4,554,581,554.75 | 8.52% | ||||
| WORLD PARTNERS BANK (A THRIFT BANK) | 79,014,643.18 | 63,211,714.54 | 126,181,955.23 | 8.74% | ||||
| BANGKOK BANK PUBLIC CO LTD | 46,936,941.43 | 37,549,553.14 | 3,145,983,487.39 | 8.93% | ||||
| HIYAS BANKING CORPORATION | 16,135,287.17 | 12,908,229.74 | 153,556,300.98 | 10.32% | ||||
| MIZUHO BANK LTD - MANILA BRANCH | 0.00 | 0.00 | 2,709,835,334.13 | 12.18% | ||||
| MEGA INT'L COMM'L BANK CO LTD | 0.00 | 0.00 | 1,835,756,115.78 | 13.96% | ||||
| MBANK PHILIPPINES (A THRIFT BANK) INC | 43,962,199.62 | 35,169,759.70 | 26,250,003.83 | 28.41% | ||||
| CITIBANK, N.A. | 826,105,236.33 | 660,884,189.06 | 13,195,119,475.10 | 37.41% | ||||
| Grand Total | 133,503,081,743.06 | 106,802,465,394.45 | 1,442,592,023,950.64 | 3.38% | ||||
Source: www.bsp.gov.ph
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 June 30, 2016".
Luzon Development Bank faces a shortfall of 84.87% of its stated stockholder's equity of Php 1,079.78 million if it were to increase its loan loss provisions to meet a minimum NPL Coverage Ratio of 80%.
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