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, 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)
- Microfinance Maximum SB Inc (Total CAR of 1.32)
- Philippine Postal Savings Bank Inc (Total CAR of 5.41)
- Mizuho Bank Ltd - Manila Branch (Total CAR of 8.77)
- Luzon Development Bank (Total CAR of 9.01)
TIER ONE CAR
Eight banks reported Tier One CAR of 0.00 as of September 30, 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:
- Microfinance Maximum SB Inc (Tier One CAR of 1.40)
- CARD SME Bank Inc (Tier One CAR of 4.82)
- Philippine Postal Savings Bank Inc (Tier One CAR of 4.85)
- Mizuho Bank Ltd - Manila Branch (Tier One CAR of 7.82)
- Luzon Development Bank (Tier One CAR of 8.33)
- Sterling Bank of Asia Inc (Tier One CAR of 8.43)
- The Palawan Bank Inc (Tier One CAR of 9.70)
- Wealth Development Bank Corporation (Tier One CAR of 9.89)
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-five banks reported their CET1 Ratio as 0.00 for September 30, 2016.
However, those banks that did report a CET1 Ratio other than 0.00, one bank reported CET1 Ratios below BSP's recommended ratio:
- Mizuho Bank Ltd (CET1 Ratio of 7.82)
The Total CAR, Tier 1 CAR, and Common Equity Tier 1 CAR of Philippine Banks as of September 30, 2016 is as follows:(Banks that do not meet BSP's minimum capital requirements are highlighted in yellow):
| Philippine Banking System | ||
| TOTAL CAR | ||
| September 30, 2016 | ||
| Bank | Type of Bank | Total CAR |
| BATAAN SAVINGS AND LOAN BANK | Thrift | 0.00 |
| MICROFINANCE MAXIMUM SB INC | Thrift | 1.32 |
| PHIL POSTAL SAVINGS BANK INC | Thrift | 5.41 |
| MIZUHO BANK LTD - MANILA BRANCH | U/KB | 8.77 |
| LUZON DEVELOPMENT BANK | Thrift | 9.01 |
| ENTERPRISE BANK INC (A THRIFT BANK) | Thrift | 10.30 |
| OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE THRIFT BANK) | Thrift | 10.63 |
| WEALTH DEVELOPMENT BANK CORPORATION | Thrift | 10.63 |
| UNITED COCONUT PLANTERS BANK | U/KB | 10.65 |
| EQUICOM SAVINGS BANK INC | Thrift | 10.87 |
| THE PALAWAN BANK (PALAWAN DB) INC | Thrift | 10.91 |
| CHINA BANK SAVINGS INC | Thrift | 11.11 |
| BDO UNIBANK INC | U/KB | 11.89 |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | Thrift | 12.18 |
| LAND BANK OF THE PHILIPPINES | U/KB | 12.26 |
| BANK OF THE PHIL ISLANDS | U/KB | 12.90 |
| PHIL NATIONAL BANK | U/KB | 13.05 |
| RCBC SAVINGS BANK INC | Thrift | 13.44 |
| THE BNK OF TOKYO-MITSUBISHI UFJ LTD | U/KB | 13.47 |
| CITY SAVINGS BANK INC | Thrift | 13.77 |
| STANDARD CHARTERED BANK | U/KB | 13.85 |
| EAST WEST BANKING CORP | U/KB | 13.95 |
| BANK OF CHINA LIMITED | U/KB | 13.99 |
| CHINA BANKING CORP | U/KB | 14.19 |
| WORLD PARTNERS BANK (A THRIFT BANK) | Thrift | 14.32 |
| BPI FAMILY SAVINGS BANK INC | Thrift | 14.49 |
| VILLAGE BANK INC (A THRIFT BANK) | Thrift | 14.50 |
| MAYBANK PHILIPPINES INC | U/KB | 14.57 |
| PHIL SAVINGS BANK | Thrift | 15.00 |
| PHIL BANK OF COMMUNICATIONS | U/KB | 15.13 |
| MALAYAN BANK SAVINGS AND MORT BANK INC | Thrift | 15.57 |
| PHILIPPINE VETERANS BANK | U/KB | 15.86 |
| DEVELOPMENT BANK OF THE PHIL | U/KB | 16.27 |
| METROPOLITAN BANK & TRUST CO | U/KB | 16.44 |
| CITYSTATE SAVINGS BANK INC | Thrift | 16.53 |
| UCPB SAVINGS BANK | Thrift | 16.84 |
| BATAAN DEVELOPMENT BANK | Thrift | 16.96 |
| PRODUCERS SAVINGS BANK CORPORATION | Thrift | 17.04 |
| UNION BANK OF THE PHILS | U/KB | 17.11 |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | Thrift | 17.28 |
| RIZAL COMM'L BANKING CORP | U/KB | 17.31 |
| FARMERS SAVINGS & LOAN BANK INC | Thrift | 17.62 |
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS | Thrift | 17.66 |
| KEB HANA BANK - MANILA BRANCH | U/KB | 17.76 |
| ANZ BANKING GROUP LTD | U/KB | 17.89 |
| BANGKO KABAYAN INC | Thrift | 17.98 |
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | Thrift | 18.35 |
| MEGA INT'L COMM'L BANK CO LTD | U/KB | 18.39 |
| HONGKONG & SHANGHAI BANKING CORP | U/KB | 18.48 |
| HIYAS BANKING CORPORATION | Thrift | 18.65 |
| BANK OF COMMERCE | U/KB | 18.93 |
| BDO PRIVATE BANK, INC. | U/KB | 19.21 |
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | Thrift | 19.28 |
| ASIA UNITED BANK CORPORATION | U/KB | 19.34 |
| CITIBANK, N.A. | U/KB | 19.60 |
| BANK OF MAKATI (A SAVINGS BANK) INC | Thrift | 19.98 |
| SECURITY BANK CORP | U/KB | 20.30 |
| CARD SME BANK INC A THRIFT BANK | Thrift | 21.47 |
| CTBC BANK (PHILIPPINES) CORP | U/KB | 21.54 |
| DEUTSCHE BANK AG | U/KB | 22.31 |
| MARITIME SAVINGS BANK CORPORATION | Thrift | 24.04 |
| METRO CEBU PUBLIC SAVINGS BANK | Thrift | 24.10 |
| BUSINESS AND CONSUMERS BANK (A DB) | Thrift | 24.31 |
| DUMAGUETE CITY DEV BANK INC | Thrift | 25.06 |
| SUN SAVINGS BANK INC | Thrift | 25.46 |
| LIFE SAVINGS BANK INC | Thrift | 25.48 |
| INTER-ASIA DEVELOPMENT BANK | Thrift | 25.60 |
| FIRST CONSOLIDATED BANK INC (A PDB) | Thrift | 26.92 |
| LEGAZPI SAVINGS BANK INC | Thrift | 29.05 |
| JP MORGAN CHASE BANK NATIONAL ASSN. | U/KB | 29.13 |
| BANGKOK BANK PUBLIC CO LTD | U/KB | 29.20 |
| HSBC SAVINGS BANK PHILIPPINES | Thrift | 30.40 |
| PAMPANGA DEVELOPMENT BANK | Thrift | 30.99 |
| UNIVERSITY SAVINGS BANK INC | Thrift | 32.27 |
| ROBINSONS BANK CORPORATION | U/KB | 32.52 |
| TOWER DEVELOPMENT BANK | Thrift | 33.33 |
| BPI DIRECT SAVINGS BANK INC | Thrift | 33.60 |
| LEMERY SAVINGS & LOAN BANK, INC. | Thrift | 36.03 |
| PNB SAVINGS BANK | Thrift | 37.21 |
| CORDILLERA SAVINGS BANK INC | Thrift | 37.62 |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | Thrift | 38.22 |
| MALASIQUI PROGRESSIVE SLB, INC | Thrift | 41.75 |
| BANK OF AMERICA N.A. | U/KB | 41.92 |
| NORTHPOINT DEV'T BANK INC | Thrift | 42.33 |
| PHIL TRUST COMPANY | U/KB | 44.72 |
| DUNGGANON BANK (A MICROFINANCE THRIFT BANK) INC | Thrift | 45.60 |
| PHIL STAR DEVELOPMENT BANK INC | Thrift | 50.39 |
| OPTIMUM DEVELOPMENT BANK INC | Thrift | 50.95 |
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | U/KB | 55.22 |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | Thrift | 57.34 |
| PACIFIC ACE SAVINGS BANK INC | Thrift | 59.16 |
| BANK ONE SAVINGS AND TRUST CORP. | Thrift | 67.41 |
| ING BANK N.V. | U/KB | 70.09 |
| YUANTA SAVINGS BANK PHILIPPINES INC | Thrift | 71.54 |
| CENTURY SAVINGS BANK CORPORATION | Thrift | 86.23 |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | U/KB | 94.85 |
| SHINHAN BANK - MANILA BRANCH | U/KB | 165.43 |
| ISLA BANK(A THRIFT BANK) INC | Thrift | 175.95 |
| SUMITOMO MITSUI BANKING CORPORATION - MANILA BRANCH | U/KB | 243.63 |
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | U/KB | 249.98 |
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | U/KB | 314.28 |
| BPI GLOBE BANKO INC | Thrift | NA |
| MERCHANTS SAVINGS & LOAN ASSN INC | Thrift | NA |
| SAMPAGUITA SAVINGS BANK INC | Thrift | NA |
| TONGYANG SAVINGS BANK INC | Thrift | NA |
| Philippine Banking System | ||
| Tier One CAR | ||
| September 30, 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 |
| MICROFINANCE MAXIMUM SB INC | Thrift | 1.40 |
| CARD SME BANK INC A THRIFT BANK | Thrift | 4.82 |
| PHIL POSTAL SAVINGS BANK INC | Thrift | 4.85 |
| MIZUHO BANK LTD - MANILA BRANCH | U/KB | 7.82 |
| LUZON DEVELOPMENT BANK | Thrift | 8.33 |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | Thrift | 8.43 |
| THE PALAWAN BANK (PALAWAN DB) INC | Thrift | 9.70 |
| WEALTH DEVELOPMENT BANK CORPORATION | Thrift | 9.89 |
| CHINA BANK SAVINGS INC | Thrift | 10.08 |
| BDO UNIBANK INC | U/KB | 10.34 |
| UNITED COCONUT PLANTERS BANK | U/KB | 10.65 |
| EAST WEST BANKING CORP | U/KB | 10.84 |
| LAND BANK OF THE PHILIPPINES | U/KB | 11.38 |
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS | Thrift | 11.82 |
| PHIL BANK OF COMMUNICATIONS | U/KB | 11.88 |
| PHIL SAVINGS BANK | Thrift | 11.96 |
| BANK OF THE PHIL ISLANDS | U/KB | 12.02 |
| DEVELOPMENT BANK OF THE PHIL | U/KB | 12.10 |
| PHIL NATIONAL BANK | U/KB | 12.16 |
| THE BNK OF TOKYO-MITSUBISHI UFJ LTD | U/KB | 12.66 |
| RCBC SAVINGS BANK INC | Thrift | 12.71 |
| CITY SAVINGS BANK INC | Thrift | 12.95 |
| BANK OF CHINA LIMITED | U/KB | 13.16 |
| METROPOLITAN BANK & TRUST CO | U/KB | 13.18 |
| STANDARD CHARTERED BANK | U/KB | 13.25 |
| CHINA BANKING CORP | U/KB | 13.27 |
| RIZAL COMM'L BANKING CORP | U/KB | 13.27 |
| MAYBANK PHILIPPINES INC | U/KB | 13.51 |
| BPI FAMILY SAVINGS BANK INC | Thrift | 13.62 |
| UNION BANK OF THE PHILS | U/KB | 13.62 |
| WORLD PARTNERS BANK (A THRIFT BANK) | Thrift | 14.00 |
| VILLAGE BANK INC (A THRIFT BANK) | Thrift | 14.09 |
| ASIA UNITED BANK CORPORATION | U/KB | 14.65 |
| MALAYAN BANK SAVINGS AND MORT BANK INC | Thrift | 15.02 |
| PHILIPPINE VETERANS BANK | U/KB | 15.43 |
| CITYSTATE SAVINGS BANK INC | Thrift | 15.92 |
| UCPB SAVINGS BANK | Thrift | 16.07 |
| UNIVERSITY SAVINGS BANK INC | Thrift | 16.13 |
| PRODUCERS SAVINGS BANK CORPORATION | Thrift | 16.48 |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | Thrift | 16.59 |
| FARMERS SAVINGS & LOAN BANK INC | Thrift | 16.96 |
| BANGKO KABAYAN INC | Thrift | 17.29 |
| KEB HANA BANK - MANILA BRANCH | U/KB | 17.41 |
| MEGA INT'L COMM'L BANK CO LTD | U/KB | 17.43 |
| ANZ BANKING GROUP LTD | U/KB | 17.57 |
| SECURITY BANK CORP | U/KB | 17.69 |
| HONGKONG & SHANGHAI BANKING CORP | U/KB | 17.87 |
| HIYAS BANKING CORPORATION | Thrift | 18.30 |
| BANK OF COMMERCE | U/KB | 18.31 |
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | Thrift | 18.43 |
| BDO PRIVATE BANK, INC. | U/KB | 18.59 |
| BATAAN DEVELOPMENT BANK | Thrift | 18.68 |
| CITIBANK, N.A. | U/KB | 18.85 |
| BANK OF MAKATI (A SAVINGS BANK) INC | Thrift | 19.47 |
| CTBC BANK (PHILIPPINES) CORP | U/KB | 20.70 |
| DEUTSCHE BANK AG | U/KB | 21.79 |
| METRO CEBU PUBLIC SAVINGS BANK | Thrift | 23.82 |
| SUN SAVINGS BANK INC | Thrift | 24.43 |
| DUMAGUETE CITY DEV BANK INC | Thrift | 24.70 |
| LIFE SAVINGS BANK INC | Thrift | 25.33 |
| FIRST CONSOLIDATED BANK INC (A PDB) | Thrift | 26.05 |
| BANGKOK BANK PUBLIC CO LTD | U/KB | 28.22 |
| LEGAZPI SAVINGS BANK INC | Thrift | 28.30 |
| JP MORGAN CHASE BANK NATIONAL ASSN. | U/KB | 28.93 |
| HSBC SAVINGS BANK PHILIPPINES | Thrift | 29.72 |
| ROBINSONS BANK CORPORATION | U/KB | 31.76 |
| BPI DIRECT SAVINGS BANK INC | Thrift | 32.82 |
| LEMERY SAVINGS & LOAN BANK, INC. | Thrift | 35.79 |
| PNB SAVINGS BANK | Thrift | 36.30 |
| CORDILLERA SAVINGS BANK INC | Thrift | 37.07 |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | Thrift | 37.84 |
| BANK OF AMERICA N.A. | U/KB | 41.39 |
| MALASIQUI PROGRESSIVE SLB, INC | Thrift | 41.75 |
| NORTHPOINT DEV'T BANK INC | Thrift | 42.11 |
| PHIL TRUST COMPANY | U/KB | 44.40 |
| DUNGGANON BANK (A MICROFINANCE THRIFT BANK) INC | Thrift | 45.16 |
| PHIL STAR DEVELOPMENT BANK INC | Thrift | 50.31 |
| OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE THRIFT BANK) | Thrift | 50.99 |
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | U/KB | 55.22 |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | Thrift | 58.58 |
| PACIFIC ACE SAVINGS BANK INC | Thrift | 59.13 |
| BANK ONE SAVINGS AND TRUST CORP. | Thrift | 66.69 |
| ING BANK N.V. | U/KB | 69.71 |
| YUANTA SAVINGS BANK PHILIPPINES INC | Thrift | 71.54 |
| CENTURY SAVINGS BANK CORPORATION | Thrift | 85.28 |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | U/KB | 94.39 |
| TOWER DEVELOPMENT BANK | Thrift | 120.51 |
| PAMPANGA DEVELOPMENT BANK | Thrift | 129.26 |
| SHINHAN BANK - MANILA BRANCH | U/KB | 165.08 |
| ISLA BANK(A THRIFT BANK) INC | Thrift | 175.66 |
| SUMITOMO MITSUI BANKING CORPORATION - MANILA BRANCH | U/KB | 214.46 |
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | U/KB | 249.28 |
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | U/KB | 313.08 |
| BPI GLOBE BANKO INC | Thrift | NA |
| MERCHANTS SAVINGS & LOAN ASSN INC | Thrift | NA |
| SAMPAGUITA SAVINGS BANK INC | Thrift | NA |
| TONGYANG SAVINGS BANK INC | Thrift | NA |
| Philippine Banking System | ||
| Common Tier 1 Ratio | ||
| September 30, 2016 | ||
| Bank | Type of Bank | Common Tier 1 Ratio |
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | Thrift | 0.00 |
| BANGKO KABAYAN INC | Thrift | 0.00 |
| BANK OF AMERICA N.A. | U/KB | 0.00 |
| BANK OF CHINA LIMITED | 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 |
| 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 |
| METRO CEBU PUBLIC SAVINGS BANK | Thrift | 0.00 |
| MICROFINANCE MAXIMUM SB INC | 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 |
| TOWER DEVELOPMENT BANK | Thrift | 0.00 |
| UCPB SAVINGS 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 |
| YUANTA SAVINGS BANK PHILIPPINES INC | Thrift | 0.00 |
| MIZUHO BANK LTD - MANILA BRANCH | U/KB | 7.82 |
| BDO UNIBANK INC | U/KB | 10.01 |
| CHINA BANK SAVINGS INC | Thrift | 10.08 |
| EAST WEST BANKING CORP | U/KB | 10.84 |
| LAND BANK OF THE PHILIPPINES | U/KB | 11.38 |
| PHIL BANK OF COMMUNICATIONS | U/KB | 11.88 |
| PHIL SAVINGS BANK | Thrift | 11.96 |
| BANK OF THE PHIL ISLANDS | U/KB | 12.02 |
| DEVELOPMENT BANK OF THE PHIL | U/KB | 12.10 |
| PHIL NATIONAL BANK | U/KB | 12.16 |
| THE BNK OF TOKYO-MITSUBISHI UFJ LTD | U/KB | 12.66 |
| RCBC SAVINGS BANK INC | Thrift | 12.71 |
| CITY SAVINGS BANK INC | Thrift | 12.95 |
| METROPOLITAN BANK & TRUST CO | U/KB | 13.18 |
| STANDARD CHARTERED BANK | U/KB | 13.25 |
| CHINA BANKING CORP | U/KB | 13.27 |
| RIZAL COMM'L BANKING CORP | U/KB | 13.27 |
| MAYBANK PHILIPPINES INC | U/KB | 13.51 |
| BPI FAMILY SAVINGS BANK INC | Thrift | 13.62 |
| UNION BANK OF THE PHILS | U/KB | 13.62 |
| PHILIPPINE VETERANS BANK | U/KB | 13.79 |
| BDO PRIVATE BANK, INC. | U/KB | 14.42 |
| ASIA UNITED BANK CORPORATION | U/KB | 14.65 |
| KEB HANA BANK - MANILA BRANCH | U/KB | 17.41 |
| MEGA INT'L COMM'L BANK CO LTD | U/KB | 17.43 |
| ANZ BANKING GROUP LTD | U/KB | 17.57 |
| SECURITY BANK CORP | U/KB | 17.69 |
| HONGKONG & SHANGHAI BANKING CORP | U/KB | 17.87 |
| BANK OF COMMERCE | U/KB | 18.31 |
| CITIBANK, N.A. | U/KB | 18.85 |
| CTBC BANK (PHILIPPINES) CORP | U/KB | 20.70 |
| DEUTSCHE BANK AG | U/KB | 21.79 |
| BANGKOK BANK PUBLIC CO LTD | U/KB | 28.22 |
| LEGAZPI SAVINGS BANK INC | Thrift | 28.30 |
| JP MORGAN CHASE BANK NATIONAL ASSN. | U/KB | 28.93 |
| HSBC SAVINGS BANK PHILIPPINES | Thrift | 29.72 |
| ROBINSONS BANK CORPORATION | U/KB | 31.76 |
| BPI DIRECT SAVINGS BANK INC | Thrift | 32.82 |
| PNB SAVINGS BANK | Thrift | 36.29 |
| PHIL TRUST COMPANY | U/KB | 44.40 |
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | U/KB | 55.22 |
| ING BANK N.V. | U/KB | 69.71 |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | U/KB | 94.39 |
| SHINHAN BANK - MANILA BRANCH | U/KB | 165.08 |
| SUMITOMO MITSUI BANKING CORPORATION - MANILA BRANCH | U/KB | 214.46 |
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | U/KB | 313.08 |
| BPI GLOBE BANKO INC | Thrift | NA |
| MERCHANTS SAVINGS & LOAN ASSN INC | Thrift | NA |
| SAMPAGUITA SAVINGS BANK INC | Thrift | NA |
| TONGYANG SAVINGS BANK INC | Thrift | NA |
Source: www.bsp.gov.ph
No comments:
Post a Comment