Despite NPLs being at or near historic lows, some banks still have not adequately provisioned for loan losses. Their NPL Coverage Ratios are below the ideal ratio of 100% and even below the suggested minimum of 80% NPL Coverage Ratio.
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 | |||||
| March 31, 2017 | |||||
| Bank | Loan Loss Provisions | Gross NPLs | NPL Coverage Ratio | ||
| PHIL POSTAL SAVINGS BANK INC | 346,322,046.48 | 2,526,517,914.79 | 13.71% | ||
| CENTURY SAVINGS BANK CORPORATION | 19,702,529.95 | 117,161,921.87 | 16.82% | ||
| LUZON DEVELOPMENT BANK | 150,405,584.14 | 620,878,345.67 | 24.22% | ||
| OPTIMUM DEVELOPMENT BANK INC | 45,815,809.90 | 174,457,924.11 | 26.26% | ||
| EQUICOM SAVINGS BANK INC | 172,241,366.51 | 646,533,823.35 | 26.64% | ||
| CITYSTATE SAVINGS BANK INC | 61,375,654.71 | 221,868,254.68 | 27.66% | ||
| MARITIME SAVINGS BANK CORPORATION | 6,948,645.24 | 24,499,153.86 | 28.36% | ||
| LIFE SAVINGS BANK INC | 4,875,321.67 | 12,898,716.79 | 37.80% | ||
| WORLD PARTNERS BANK (A THRIFT BANK) | 48,785,338.30 | 112,362,449.20 | 43.42% | ||
| WEALTH DEVELOPMENT BANK CORPORATION | 133,638,050.71 | 292,932,364.95 | 45.62% | ||
| PRODUCERS SAVINGS BANK CORPORATION | 180,254,323.44 | 386,138,239.27 | 46.68% | ||
| MALAYAN BANK SAVINGS AND MORT BANK INC | 265,664,484.09 | 565,547,649.98 | 46.97% | ||
| ENTERPRISE BANK INC (A THRIFT BANK) | 121,353,813.66 | 252,043,502.46 | 48.15% | ||
| UCPB SAVINGS BANK | 615,156,050.17 | 1,254,581,397.45 | 49.03% | ||
| RCBC SAVINGS BANK INC | 2,204,453,414.48 | 4,431,477,476.10 | 49.75% | ||
| CHINA BANK SAVINGS INC | 2,236,060,135.22 | 4,410,355,252.20 | 50.70% | ||
| PAMPANGA DEVELOPMENT BANK | 28,454,816.72 | 55,028,244.04 | 51.71% | ||
| BANK ONE SAVINGS AND TRUST CORP. | 12,136,266.46 | 23,096,226.26 | 52.55% | ||
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 227,962,930.80 | 428,729,538.30 | 53.17% | ||
| METRO CEBU PUBLIC SAVINGS BANK | 13,258,248.92 | 24,372,080.98 | 54.40% | ||
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 2,935,295.65 | 5,387,619.28 | 54.48% | ||
| LEMERY SAVINGS & LOAN BANK, INC. | 4,366,221.44 | 7,700,249.95 | 56.70% | ||
| PNB SAVINGS BANK | 598,294,643.97 | 1,015,744,779.07 | 58.90% | ||
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 103,736,921.12 | 168,397,257.81 | 61.60% | ||
| STANDARD CHARTERED BANK | 1,324,883,586.02 | 2,124,976,632.70 | 62.35% | ||
| MALASIQUI PROGRESSIVE SLB, INC | 6,951,706.48 | 11,106,429.25 | 62.59% | ||
| PHIL STAR DEVELOPMENT BANK INC | 9,276,107.75 | 13,667,597.78 | 67.87% | ||
| BUSINESS AND CONSUMERS BANK (A DB) | 9,726,977.06 | 14,191,495.90 | 68.54% | ||
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 649,798,038.92 | 942,498,137.44 | 68.94% | ||
| EAST WEST BANKING CORP | 5,773,995,719.18 | 8,291,599,642.55 | 69.64% | ||
| ANZ BANKING GROUP LTD | 281,876,153.28 | 404,087,064.26 | 69.76% | ||
| ASIA UNITED BANK CORPORATION | 2,063,130,204.94 | 2,937,364,441.27 | 70.24% | ||
| UNITED COCONUT PLANTERS BANK | 4,700,765,978.60 | 6,385,518,030.66 | 73.62% | ||
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS BANK) | 724,196,250.68 | 980,710,424.09 | 73.84% | ||
| CITY SAVINGS BANK INC | 1,323,757,126.31 | 1,760,688,973.83 | 75.18% | ||
| MICROFINANCE MAXIMUM SB INC | 8,832,017.79 | 11,538,108.54 | 76.55% | ||
| PHILIPPINE VETERANS BANK | 1,474,239,837.57 | 1,875,995,021.68 | 78.58% | ||
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 20,985,370.81 | 26,305,413.66 | 79.78% | ||
| BANK OF MAKATI (A SAVINGS BANK) INC | 1,837,980,147.67 | 2,272,945,790.64 | 80.86% | ||
| BANGKO KABAYAN INC (A PRIVATE DEVELOPMENT BANK) | 30,008,072.17 | 36,229,903.75 | 82.83% | ||
| HIYAS BANKING CORPORATION | 28,859,545.81 | 34,360,654.43 | 83.99% | ||
| SUN SAVINGS BANK INC | 16,054,744.01 | 18,959,809.67 | 84.68% | ||
| CORDILLERA SAVINGS BANK INC | 14,015,675.60 | 16,446,654.05 | 85.22% | ||
| BATAAN DEVELOPMENT BANK | 23,381,061.33 | 27,407,967.11 | 85.31% | ||
| LEGAZPI SAVINGS BANK INC | 385,732,943.70 | 445,995,447.33 | 86.49% | ||
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 1,232,951,000.48 | 1,387,192,466.80 | 88.88% | ||
| NORTHPOINT DEV'T BANK INC | 91,335,230.43 | 99,959,947.40 | 91.37% | ||
| PHIL BANK OF COMMUNICATIONS | 2,149,833,913.87 | 2,279,691,946.18 | 94.30% | ||
| BPI FAMILY SAVINGS BANK INC | 7,339,777,514.18 | 7,729,608,998.38 | 94.96% | ||
| UNIVERSITY SAVINGS BANK INC | 42,842,434.66 | 45,003,866.22 | 95.20% | ||
| PHIL SAVINGS BANK | 4,540,122,740.37 | 4,666,176,343.64 | 97.30% | ||
| BATAAN SAVINGS AND LOAN BANK | 1,595,044.62 | 1,635,781.28 | 97.51% | ||
| MAYBANK PHILIPPINES INCORPORATED | 1,622,011,258.45 | 1,661,195,995.76 | 97.64% | ||
| BPI DIRECT BANKO INC A SAVINGS BANK | 429,931,812.96 | 429,252,061.73 | 100.16% | ||
| YUANTA SAVINGS BANK PHILIPPINES INC | 114,121,567.34 | 110,104,219.27 | 103.65% | ||
| DUMAGUETE CITY DEV BANK INC | 18,933,844.50 | 17,886,472.35 | 105.86% | ||
| ROBINSONS BANK CORPORATION | 736,174,233.67 | 683,406,976.50 | 107.72% | ||
| UNION BANK OF THE PHILS | 8,785,435,158.23 | 7,993,445,459.90 | 109.91% | ||
| VILLAGE BANK INC (A THRIFT BANK) | 21,809,265.59 | 19,616,446.39 | 111.18% | ||
| FARMERS SAVINGS & LOAN BANK INC | 25,682,383.04 | 22,411,351.29 | 114.60% | ||
| BANK OF COMMERCE | 2,116,948,054.72 | 1,799,079,182.21 | 117.67% | ||
| FIRST CONSOLIDATED BANK INC (A PDB) | 630,759,385.22 | 525,049,637.72 | 120.13% | ||
| DEVELOPMENT BANK OF THE PHIL | 6,639,071,049.48 | 5,464,419,478.74 | 121.50% | ||
| LAND BANK OF THE PHILIPPINES | 10,635,057,799.38 | 8,258,481,213.76 | 128.78% | ||
| PHIL NATIONAL BANK | 11,999,516,951.58 | 9,094,274,085.32 | 131.95% | ||
| THE PALAWAN BANK (PALAWAN DB) INC | 22,327,453.43 | 16,672,400.66 | 133.92% | ||
| INTER-ASIA DEVELOPMENT BANK | 6,503,459.97 | 4,613,153.85 | 140.98% | ||
| RIZAL COMM'L BANKING CORP | 3,639,541,093.67 | 2,570,930,099.09 | 141.57% | ||
| MERCHANTS SAVINGS & LOAN ASSN INC | 24,509,991.45 | 17,112,936.55 | 143.22% | ||
| HONGKONG & SHANGHAI BANKING CORP | 1,083,159,510.67 | 746,769,210.95 | 145.05% | ||
| BDO UNIBANK INC | 25,240,998,320.79 | 16,529,874,745.48 | 152.70% | ||
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 1,220,523.54 | 764,046.72 | 159.74% | ||
| CHINA BANKING CORP | 5,857,309,009.50 | 3,614,348,811.57 | 162.06% | ||
| CARD SME BANK INC A THRIFT BANK | 93,462,303.10 | 55,309,326.70 | 168.98% | ||
| BANK OF THE PHIL ISLANDS | 14,742,600,146.44 | 8,425,699,430.98 | 174.97% | ||
| BANK OF CHINA LIMITED-MANILA BRANCH | 343,934,360.82 | 188,969,213.72 | 182.01% | ||
| CTBC BANK (PHILIPPINES) CORP | 669,089,843.01 | 357,499,065.12 | 187.16% | ||
| KEB HANA BANK - MANILA BRANCH | 53,616,586.01 | 28,066,201.64 | 191.04% | ||
| SECURITY BANK CORP | 4,778,871,652.09 | 2,209,369,283.42 | 216.30% | ||
| PHIL TRUST COMPANY | 2,520,214,332.76 | 1,138,050,603.05 | 221.45% | ||
| METROPOLITAN BANK & TCO | 13,269,152,940.21 | 3,755,149,756.43 | 353.36% | ||
| CITIBANK, N.A. | 3,928,999,665.42 | 850,812,713.59 | 461.79% | ||
| BANGKOK BANK PUBLIC CO LTD | 387,061,000.00 | 37,877,890.77 | 1021.87% | ||
| ING BANK N.V. | 112,691,914.99 | 102.32 | 110136742.56% | ||
| BANK OF AMERICA N.A. | 27,700,000.00 | 0.00 | NA | ||
| BDO PRIVATE BANK, INC. | 69,049,221.94 | 0.00 | NA | ||
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | 10,511,697.36 | 0.00 | NA | ||
| DEUTSCHE BANK AG | 130,690,315.37 | 0.00 | NA | ||
| FIRST COMMERCIAL BANK LTD MANILA BRANCH | 130,000.00 | 0.00 | NA | ||
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | 12,303,556.90 | 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 | 434,444,800.15 | 0.00 | NA | ||
| MIZUHO BANK LTD - MANILA BRANCH | 411,975,140.91 | 0.00 | NA | ||
| SHINHAN BANK - MANILA BRANCH | 9,803,020.00 | 0.00 | NA | ||
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | 91,852,007.26 | 0.00 | NA | ||
| THE BNK OF TOKYO-MITSUBISHI UFJ LTD | 388,210,030.46 | 0.00 | NA | ||
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | 6,837,761.85 | 0.00 | NA | ||
| Grand Total | 165,878,883,177.38 | 139,247,084,946.46 | 119.13% | ||
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 | ||||||||
| March 31, 2017 | ||||||||
| Bank | Gross NPLs | Minimum Loan Loss Provisions at 80% NPL Coverage Ratio | Stockholder's Equity | Impact on SE | ||||
| PHIL POSTAL SAVINGS BANK INC | 2,526,517,914.79 | 2,021,214,331.83 | 954,200,832.74 | -175.53% | ||||
| LUZON DEVELOPMENT BANK | 620,878,345.67 | 496,702,676.54 | 345,425,448.65 | -100.25% | ||||
| WORLD PARTNERS BANK (A THRIFT BANK) | 112,362,449.20 | 89,889,959.36 | 42,964,068.18 | -95.67% | ||||
| EQUICOM SAVINGS BANK INC | 646,533,823.35 | 517,227,058.68 | 742,357,199.11 | -46.47% | ||||
| MARITIME SAVINGS BANK CORPORATION | 24,499,153.86 | 19,599,323.09 | 36,899,584.35 | -34.28% | ||||
| ENTERPRISE BANK INC (A THRIFT BANK) | 252,043,502.46 | 201,634,801.97 | 277,185,285.45 | -28.96% | ||||
| MALAYAN BANK SAVINGS AND MORT BANK INC | 565,547,649.98 | 452,438,119.98 | 1,021,229,750.21 | -18.29% | ||||
| CITYSTATE SAVINGS BANK INC | 221,868,254.68 | 177,494,603.74 | 692,872,698.83 | -16.76% | ||||
| CHINA BANK SAVINGS INC | 4,410,355,252.20 | 3,528,284,201.76 | 9,163,202,511.71 | -14.10% | ||||
| UCPB SAVINGS BANK | 1,254,581,397.45 | 1,003,665,117.96 | 2,819,058,997.52 | -13.78% | ||||
| RCBC SAVINGS BANK INC | 4,431,477,476.10 | 3,545,181,980.88 | 10,695,425,583.02 | -12.54% | ||||
| PAMPANGA DEVELOPMENT BANK | 55,028,244.04 | 44,022,595.23 | 135,300,585.57 | -11.51% | ||||
| OPTIMUM DEVELOPMENT BANK INC | 174,457,924.11 | 139,566,339.29 | 862,100,904.11 | -10.87% | ||||
| METRO CEBU PUBLIC SAVINGS BANK | 24,372,080.98 | 19,497,664.78 | 61,356,495.52 | -10.17% | ||||
| LIFE SAVINGS BANK INC | 12,898,716.79 | 10,318,973.43 | 66,685,537.96 | -8.16% | ||||
| PRODUCERS SAVINGS BANK CORPORATION | 386,138,239.27 | 308,910,591.42 | 1,644,599,363.96 | -7.82% | ||||
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 428,729,538.30 | 342,983,630.64 | 1,488,039,794.90 | -7.73% | ||||
| CENTURY SAVINGS BANK CORPORATION | 117,161,921.87 | 93,729,537.50 | 977,594,202.51 | -7.57% | ||||
| WEALTH DEVELOPMENT BANK CORPORATION | 292,932,364.95 | 234,345,891.96 | 1,428,158,118.24 | -7.05% | ||||
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 168,397,257.81 | 134,717,806.25 | 462,780,457.04 | -6.69% | ||||
| STANDARD CHARTERED BANK | 2,124,976,632.70 | 1,699,981,306.16 | 6,667,508,845.95 | -5.63% | ||||
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 942,498,137.44 | 753,998,509.95 | 2,562,739,122.29 | -4.07% | ||||
| MALASIQUI PROGRESSIVE SLB, INC | 11,106,429.25 | 8,885,143.40 | 52,213,426.23 | -3.70% | ||||
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS BANK) | 980,710,424.09 | 784,568,339.27 | 1,922,167,223.77 | -3.14% | ||||
| EAST WEST BANKING CORP | 8,291,599,642.55 | 6,633,279,714.04 | 35,333,154,415.37 | -2.43% | ||||
| UNITED COCONUT PLANTERS BANK | 6,385,518,030.66 | 5,108,414,424.53 | 17,451,124,244.88 | -2.34% | ||||
| LEMERY SAVINGS & LOAN BANK, INC. | 7,700,249.95 | 6,160,199.96 | 78,452,926.42 | -2.29% | ||||
| BUSINESS AND CONSUMERS BANK (A DB) | 14,191,495.90 | 11,353,196.72 | 87,093,685.39 | -1.87% | ||||
| PNB SAVINGS BANK | 1,015,744,779.07 | 812,595,823.26 | 11,591,387,229.87 | -1.85% | ||||
| PHIL STAR DEVELOPMENT BANK INC | 13,667,597.78 | 10,934,078.22 | 95,600,562.55 | -1.73% | ||||
| ASIA UNITED BANK CORPORATION | 2,937,364,441.27 | 2,349,891,553.02 | 24,339,526,209.83 | -1.18% | ||||
| BANK ONE SAVINGS AND TRUST CORP. | 23,096,226.26 | 18,476,981.01 | 580,064,633.75 | -1.09% | ||||
| ANZ BANKING GROUP LTD | 404,087,064.26 | 323,269,651.41 | 4,104,226,806.61 | -1.01% | ||||
| CITY SAVINGS BANK INC | 1,760,688,973.83 | 1,408,551,179.06 | 11,258,212,430.01 | -0.75% | ||||
| PHILIPPINE VETERANS BANK | 1,875,995,021.68 | 1,500,796,017.34 | 4,046,296,276.43 | -0.66% | ||||
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 5,387,619.28 | 4,310,095.42 | 286,499,778.84 | -0.48% | ||||
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 26,305,413.66 | 21,044,330.93 | 654,099,419.31 | -0.01% | ||||
| FIRST COMMERCIAL BANK LTD MANILA BRANCH | 0.00 | 0.00 | 2,031,188,854.41 | 0.01% | ||||
| BANGKO KABAYAN INC (A PRIVATE DEVELOPMENT BANK) | 36,229,903.75 | 28,983,923.00 | 450,501,970.48 | 0.23% | ||||
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | 0.00 | 0.00 | 2,412,646,568.87 | 0.28% | ||||
| BANK OF MAKATI (A SAVINGS BANK) INC | 2,272,945,790.64 | 1,818,356,632.51 | 6,556,445,019.72 | 0.30% | ||||
| SHINHAN BANK - MANILA BRANCH | 0.00 | 0.00 | 2,201,303,656.55 | 0.45% | ||||
| SUN SAVINGS BANK INC | 18,959,809.67 | 15,167,847.74 | 186,900,409.10 | 0.47% | ||||
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | 0.00 | 0.00 | 2,130,401,780.67 | 0.49% | ||||
| BATAAN SAVINGS AND LOAN BANK | 1,635,781.28 | 1,308,625.02 | 57,924,599.63 | 0.49% | ||||
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | 0.00 | 0.00 | 2,222,941,066.65 | 0.55% | ||||
| CORDILLERA SAVINGS BANK INC | 16,446,654.05 | 13,157,323.24 | 137,922,232.19 | 0.62% | ||||
| ISLA BANK(A THRIFT BANK) INC | 0.00 | 0.00 | 667,526,085.03 | 0.64% | ||||
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | 0.00 | 0.00 | 13,001,887,788.35 | 0.71% | ||||
| HIYAS BANKING CORPORATION | 34,360,654.43 | 27,488,523.54 | 162,196,397.10 | 0.85% | ||||
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 764,046.72 | 611,237.38 | 59,014,544.28 | 1.03% | ||||
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 1,387,192,466.80 | 1,109,753,973.44 | 9,865,174,936.23 | 1.25% | ||||
| BDO PRIVATE BANK, INC. | 0.00 | 0.00 | 5,410,232,810.34 | 1.28% | ||||
| BANK OF AMERICA N.A. | 0.00 | 0.00 | 2,096,035,697.20 | 1.32% | ||||
| JP MORGAN CHASE BANK NATIONAL ASSN. | 0.00 | 0.00 | 1,318,053,765.87 | 1.46% | ||||
| ROBINSONS BANK CORPORATION | 683,406,976.50 | 546,725,581.20 | 12,115,260,786.73 | 1.56% | ||||
| UNIVERSITY SAVINGS BANK INC | 45,003,866.22 | 36,003,092.98 | 413,430,545.96 | 1.65% | ||||
| MERCHANTS SAVINGS & LOAN ASSN INC | 17,112,936.55 | 13,690,349.24 | 622,416,521.47 | 1.74% | ||||
| DUMAGUETE CITY DEV BANK INC | 17,886,472.35 | 14,309,177.88 | 262,559,613.94 | 1.76% | ||||
| BATAAN DEVELOPMENT BANK | 27,407,967.11 | 21,926,373.69 | 77,568,284.11 | 1.88% | ||||
| KEB HANA BANK - MANILA BRANCH | 28,066,201.64 | 22,452,961.31 | 1,587,936,331.22 | 1.96% | ||||
| MAYBANK PHILIPPINES INCORPORATED | 1,661,195,995.76 | 1,328,956,796.61 | 11,942,769,431.31 | 2.45% | ||||
| RIZAL COMM'L BANKING CORP | 2,570,930,099.09 | 2,056,744,079.27 | 63,296,711,382.13 | 2.50% | ||||
| YUANTA SAVINGS BANK PHILIPPINES INC | 110,104,219.27 | 88,083,375.42 | 984,463,916.70 | 2.64% | ||||
| SECURITY BANK CORP | 2,209,369,283.42 | 1,767,495,426.74 | 98,491,544,960.42 | 3.06% | ||||
| PHIL BANK OF COMMUNICATIONS | 2,279,691,946.18 | 1,823,753,556.94 | 10,278,350,767.42 | 3.17% | ||||
| NORTHPOINT DEV'T BANK INC | 99,959,947.40 | 79,967,957.92 | 344,690,779.53 | 3.30% | ||||
| HONGKONG & SHANGHAI BANKING CORP | 746,769,210.95 | 597,415,368.76 | 13,344,344,650.98 | 3.64% | ||||
| UNION BANK OF THE PHILS | 7,993,445,459.90 | 6,394,756,367.92 | 62,091,195,752.80 | 3.85% | ||||
| MICROFINANCE MAXIMUM SB INC | 11,538,108.54 | 9,230,486.83 | -10,270,099.95 | 3.88% | ||||
| PHIL SAVINGS BANK | 4,666,176,343.64 | 3,732,941,074.91 | 19,291,936,376.39 | 4.18% | ||||
| BDO UNIBANK INC | 16,529,874,745.48 | 13,223,899,796.38 | 281,630,888,488.73 | 4.27% | ||||
| BPI FAMILY SAVINGS BANK INC | 7,729,608,998.38 | 6,183,687,198.70 | 26,770,809,993.57 | 4.32% | ||||
| INTER-ASIA DEVELOPMENT BANK | 4,613,153.85 | 3,690,523.08 | 63,960,230.92 | 4.40% | ||||
| BANK OF COMMERCE | 1,799,079,182.21 | 1,439,263,345.77 | 15,153,876,740.35 | 4.47% | ||||
| ING BANK N.V. | 102.32 | 81.86 | 2,502,824,099.02 | 4.50% | ||||
| LAND BANK OF THE PHILIPPINES | 8,258,481,213.76 | 6,606,784,971.01 | 88,633,984,423.30 | 4.54% | ||||
| PHIL NATIONAL BANK | 9,094,274,085.32 | 7,275,419,268.26 | 102,462,349,335.36 | 4.61% | ||||
| BPI DIRECT BANKO INC A SAVINGS BANK | 429,252,061.73 | 343,401,649.38 | 1,808,195,890.33 | 4.79% | ||||
| BANK OF THE PHIL ISLANDS | 8,425,699,430.98 | 6,740,559,544.78 | 167,104,837,324.17 | 4.79% | ||||
| DEVELOPMENT BANK OF THE PHIL | 5,464,419,478.74 | 4,371,535,582.99 | 45,934,092,718.50 | 4.94% | ||||
| CHINA BANKING CORP | 3,614,348,811.57 | 2,891,479,049.26 | 59,031,464,070.10 | 5.02% | ||||
| FIRST CONSOLIDATED BANK INC (A PDB) | 525,049,637.72 | 420,039,710.18 | 3,921,398,077.44 | 5.37% | ||||
| METROPOLITAN BANK & TCO | 3,755,149,756.43 | 3,004,119,805.14 | 189,844,343,707.17 | 5.41% | ||||
| CTBC BANK (PHILIPPINES) CORP | 357,499,065.12 | 285,999,252.10 | 6,943,609,350.32 | 5.52% | ||||
| LEGAZPI SAVINGS BANK INC | 445,995,447.33 | 356,796,357.86 | 518,168,423.03 | 5.58% | ||||
| DEUTSCHE BANK AG | 0.00 | 0.00 | 2,257,001,851.98 | 5.79% | ||||
| FARMERS SAVINGS & LOAN BANK INC | 22,411,351.29 | 17,929,081.03 | 123,861,508.80 | 6.26% | ||||
| PHIL TRUST COMPANY | 1,138,050,603.05 | 910,440,482.44 | 24,035,572,042.30 | 6.70% | ||||
| CARD SME BANK INC A THRIFT BANK | 55,309,326.70 | 44,247,461.36 | 730,971,718.18 | 6.73% | ||||
| VILLAGE BANK INC (A THRIFT BANK) | 19,616,446.39 | 15,693,157.11 | 84,544,831.29 | 7.23% | ||||
| MIZUHO BANK LTD - MANILA BRANCH | 0.00 | 0.00 | 5,574,888,253.17 | 7.39% | ||||
| BANK OF CHINA LIMITED-MANILA BRANCH | 188,969,213.72 | 151,175,370.98 | 2,441,975,318.50 | 7.89% | ||||
| THE BNK OF TOKYO-MITSUBISHI UFJ LTD | 0.00 | 0.00 | 4,580,114,852.15 | 8.48% | ||||
| BANGKOK BANK PUBLIC CO LTD | 37,877,890.77 | 30,302,312.62 | 3,098,933,162.94 | 11.51% | ||||
| THE PALAWAN BANK (PALAWAN DB) INC | 16,672,400.66 | 13,337,920.53 | 39,837,931.33 | 22.57% | ||||
| CITIBANK, N.A. | 850,812,713.59 | 680,650,170.87 | 14,095,242,099.44 | 23.05% | ||||
| MEGA INT'L COMM'L BANK CO LTD | 0.00 | 0.00 | 1,861,262,054.27 | 23.34% | ||||
| Grand Total | 139,247,084,946.46 | 111,397,667,957.17 | 1,552,380,021,337.57 | 3.51% | ||||
Source: www.bsp.gov.ph
Out of the six banks highlighted in yellow, 5 banks have been regularly listed as one of the "The Top Distressed Philippine Banks as of March 31, 2017".
Philippine Postal Savings Bank Inc faces a shortfall of 175.53% of its stated stockholder's equity of Php 954.20 million if it were to increase its loan loss provisions to meet a minimum NPL Coverage Ratio of 80%.
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