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 36 banks (highlighted in yellow, failed banks in red) fall into this deficiency.
| Philippine Banking System | |||||
| NPL Coverage Ratio | |||||
| June 30, 2017 | |||||
| Bank | Loan Loss Provisions | Gross NPLs | NPL Coverage Ratio | ||
| PHIL POSTAL SAVINGS BANK INC | 357,874,671.93 | 2,508,468,000.93 | 14.27% | ||
| CENTURY SAVINGS BANK CORPORATION | 19,702,529.95 | 116,834,579.97 | 16.86% | ||
| LUZON DEVELOPMENT BANK | 160,155,920.54 | 620,534,810.05 | 25.81% | ||
| CITYSTATE SAVINGS BANK INC | 59,994,294.63 | 193,616,529.68 | 30.99% | ||
| MALAYAN BANK SAVINGS AND MORT BANK INC | 175,509,963.35 | 546,986,749.49 | 32.09% | ||
| WEALTH DEVELOPMENT BANK CORPORATION | 135,603,476.89 | 403,775,183.43 | 33.58% | ||
| MARITIME SAVINGS BANK CORPORATION | 6,948,645.24 | 20,199,537.87 | 34.40% | ||
| LIFE SAVINGS BANK INC | 4,875,321.67 | 11,872,651.42 | 41.06% | ||
| PRODUCERS SAVINGS BANK CORPORATION | 186,386,253.06 | 422,122,515.34 | 44.15% | ||
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS BANK) | 343,270,818.50 | 761,527,575.16 | 45.08% | ||
| ENTERPRISE BANK INC (A THRIFT BANK) | 121,353,813.66 | 265,460,226.74 | 45.71% | ||
| UCPB SAVINGS BANK | 658,576,971.59 | 1,395,757,892.22 | 47.18% | ||
| OPTIMUM DEVELOPMENT BANK INC | 23,226,813.08 | 46,514,017.84 | 49.94% | ||
| PNB SAVINGS BANK | 619,148,631.20 | 1,239,695,234.28 | 49.94% | ||
| RCBC SAVINGS BANK INC | 2,336,453,414.48 | 4,652,860,907.38 | 50.22% | ||
| CHINA BANK SAVINGS INC | 2,104,998,233.03 | 4,191,683,659.84 | 50.22% | ||
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 242,450,059.72 | 477,431,496.72 | 50.78% | ||
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 93,321,723.07 | 181,830,591.66 | 51.32% | ||
| DUMAGUETE CITY DEV BANK INC | 19,299,237.59 | 36,781,599.06 | 52.47% | ||
| PAMPANGA DEVELOPMENT BANK | 30,044,816.72 | 57,099,117.06 | 52.62% | ||
| SUN SAVINGS BANK INC | 16,623,106.68 | 30,479,368.03 | 54.54% | ||
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 2,895,858.92 | 5,222,336.47 | 55.45% | ||
| BUSINESS AND CONSUMERS BANK (A DB) | 9,000,644.49 | 16,128,146.05 | 55.81% | ||
| WORLD PARTNERS BANK (A THRIFT BANK) | 74,823,694.59 | 133,433,965.51 | 56.08% | ||
| EQUICOM SAVINGS BANK INC | 386,892,724.13 | 687,413,287.67 | 56.28% | ||
| LEMERY SAVINGS & LOAN BANK, INC. | 4,199,311.94 | 7,191,014.95 | 58.40% | ||
| CITY SAVINGS BANK INC | 1,284,737,999.34 | 1,971,533,165.39 | 65.16% | ||
| EAST WEST BANKING CORP | 5,818,548,434.79 | 8,861,543,566.15 | 65.66% | ||
| NORTHPOINT DEV'T BANK INC | 98,469,145.17 | 149,218,964.78 | 65.99% | ||
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 650,798,038.92 | 976,793,580.15 | 66.63% | ||
| MALASIQUI PROGRESSIVE SLB, INC | 6,951,706.48 | 10,424,229.25 | 66.69% | ||
| PHIL STAR DEVELOPMENT BANK INC | 9,276,107.75 | 13,618,385.28 | 68.11% | ||
| ASIA UNITED BANK CORPORATION | 2,229,528,418.29 | 3,267,908,554.18 | 68.22% | ||
| STANDARD CHARTERED BANK | 1,456,478,430.25 | 2,124,358,234.46 | 68.56% | ||
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 21,768,684.13 | 28,404,608.06 | 76.64% | ||
| UNITED COCONUT PLANTERS BANK | 3,852,480,912.89 | 4,917,354,031.38 | 78.34% | ||
| VILLAGE BANK INC (A THRIFT BANK) | 21,809,265.59 | 27,161,103.56 | 80.30% | ||
| PHILIPPINE VETERANS BANK | 1,535,198,406.41 | 1,885,539,254.64 | 81.42% | ||
| BANK OF MAKATI (A SAVINGS BANK) INC | 2,005,105,929.08 | 2,426,621,205.73 | 82.63% | ||
| ANZ BANKING GROUP LTD | 342,757,553.61 | 404,087,064.26 | 84.82% | ||
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 1,279,994,157.48 | 1,506,845,532.18 | 84.95% | ||
| HIYAS BANKING CORPORATION | 28,859,545.81 | 33,790,616.12 | 85.41% | ||
| LEGAZPI SAVINGS BANK INC | 384,298,646.39 | 443,499,654.38 | 86.65% | ||
| BANK ONE SAVINGS AND TRUST CORP. | 44,384,460.48 | 49,945,137.26 | 88.87% | ||
| BATAAN SAVINGS AND LOAN BANK | 1,595,044.62 | 1,743,509.11 | 91.48% | ||
| PHIL BANK OF COMMUNICATIONS | 2,092,521,170.10 | 2,211,964,696.92 | 94.60% | ||
| UNIVERSITY SAVINGS BANK INC | 43,142,434.66 | 45,539,112.82 | 94.74% | ||
| BATAAN DEVELOPMENT BANK | 23,381,061.33 | 24,610,014.94 | 95.01% | ||
| CORDILLERA SAVINGS BANK INC | 14,015,675.60 | 14,699,719.72 | 95.35% | ||
| MAYBANK PHILIPPINES INCORPORATED | 1,436,842,704.45 | 1,482,324,528.48 | 96.93% | ||
| PHIL SAVINGS BANK | 4,527,930,996.18 | 4,663,782,199.22 | 97.09% | ||
| PACIFIC ACE SAVINGS BANK INC | 3,128,611.95 | 3,119,385.69 | 100.30% | ||
| FIRST CONSOLIDATED BANK INC (A PDB) | 633,649,703.87 | 627,943,191.24 | 100.91% | ||
| YUANTA SAVINGS BANK PHILIPPINES INC | 113,002,632.40 | 111,437,808.32 | 101.40% | ||
| BPI DIRECT BANKO INC A SAVINGS BANK | 426,727,495.49 | 418,418,339.45 | 101.99% | ||
| BPI FAMILY SAVINGS BANK INC | 7,616,560,134.69 | 7,359,361,449.90 | 103.49% | ||
| ROBINSONS BANK CORPORATION | 761,921,536.86 | 728,263,391.43 | 104.62% | ||
| UNION BANK OF THE PHILS | 8,774,213,022.72 | 8,259,433,549.04 | 106.23% | ||
| FARMERS SAVINGS & LOAN BANK INC | 26,399,254.88 | 23,955,544.69 | 110.20% | ||
| BANK OF COMMERCE | 2,086,719,395.96 | 1,873,088,010.81 | 111.41% | ||
| BANGKO KABAYAN INC (A PRIVATE DEVELOPMENT BANK) | 30,536,538.60 | 27,111,347.52 | 112.63% | ||
| DEVELOPMENT BANK OF THE PHIL | 6,802,472,785.88 | 5,997,967,764.28 | 113.41% | ||
| LAND BANK OF THE PHILIPPINES | 11,053,909,581.50 | 9,262,350,625.37 | 119.34% | ||
| THE PALAWAN BANK (PALAWAN DB) INC | 22,860,428.44 | 18,005,142.63 | 126.97% | ||
| PHIL NATIONAL BANK | 11,348,888,348.51 | 8,741,296,203.55 | 129.83% | ||
| HONGKONG & SHANGHAI BANKING CORP | 953,505,195.76 | 730,992,187.04 | 130.44% | ||
| MERCHANTS SAVINGS & LOAN ASSN INC | 27,097,442.64 | 19,239,366.24 | 140.84% | ||
| RIZAL COMM'L BANKING CORP | 3,606,671,541.39 | 2,421,878,939.03 | 148.92% | ||
| BDO UNIBANK INC | 26,220,282,031.37 | 17,219,995,831.01 | 152.27% | ||
| CHINA BANKING CORP | 5,691,144,793.68 | 3,584,955,716.65 | 158.75% | ||
| CTBC BANK (PHILIPPINES) CORP | 710,167,055.45 | 445,600,591.58 | 159.37% | ||
| METRO CEBU PUBLIC SAVINGS BANK | 15,330,468.00 | 9,340,189.11 | 164.13% | ||
| CARD SME BANK INC A THRIFT BANK | 103,002,490.35 | 61,198,081.08 | 168.31% | ||
| HSBC SAVINGS BANK (PHILS) INC | 97,132,862.18 | 55,779,275.15 | 174.14% | ||
| BANK OF CHINA LIMITED-MANILA BRANCH | 345,633,304.81 | 188,969,213.72 | 182.90% | ||
| BANK OF THE PHIL ISLANDS | 15,604,216,249.63 | 8,232,869,548.41 | 189.54% | ||
| INTER-ASIA DEVELOPMENT BANK | 7,516,272.01 | 3,360,500.59 | 223.67% | ||
| PHIL TRUST COMPANY | 2,548,490,220.90 | 1,133,451,145.23 | 224.84% | ||
| SECURITY BANK CORP | 5,062,176,525.28 | 2,060,467,178.32 | 245.68% | ||
| KEB HANA BANK - MANILA BRANCH | 75,282,710.49 | 28,097,202.88 | 267.94% | ||
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 1,532,986.81 | 487,619.50 | 314.38% | ||
| METROPOLITAN BANK & TCO | 13,301,874,284.70 | 4,034,181,576.50 | 329.73% | ||
| CITIBANK, N.A. | 3,777,566,405.06 | 865,034,706.52 | 436.70% | ||
| BANGKOK BANK PUBLIC CO LTD | 397,961,875.00 | 36,877,890.77 | 1079.13% | ||
| ING BANK N.V. | 89,189,915.61 | 102.94 | 86642622.51% | ||
| BANK OF AMERICA N.A. | 27,700,000.00 | 0.00 | NA | ||
| BDO PRIVATE BANK, INC. | 70,399,580.54 | 0.00 | NA | ||
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | 10,864,796.19 | 0.00 | NA | ||
| DEUTSCHE BANK AG | 131,762,906.86 | 0.00 | NA | ||
| FIRST COMMERCIAL BANK LTD MANILA BRANCH | 130,000.00 | 0.00 | NA | ||
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | 14,009,143.61 | 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 | 117,954,871.21 | 0.00 | NA | ||
| MIZUHO BANK LTD - MANILA BRANCH | 411,989,429.55 | 0.00 | NA | ||
| SHINHAN BANK - MANILA BRANCH | 10,458,964.04 | 0.00 | NA | ||
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | 90,545,929.42 | 0.00 | NA | ||
| THE BNK OF TOKYO-MITSUBISHI UFJ LTD | 388,210,030.46 | 0.00 | NA | ||
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | 6,848,912.55 | 0.00 | NA | ||
| Grand Total | 167,045,700,242.86 | 141,158,760,279.43 | 118.34% | ||
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, four banks will be severely affected:
| Philippine Banking System | ||||||||
| Impact on SE of Minimum Loan Loss Provisions | ||||||||
| June 30, 2017 | ||||||||
| Bank | Gross NPLs | Minimum Loan Loss Provisions at 80% NPL Coverage Ratio | Stockholder's Equity | Impact on SE | ||||
| PHIL POSTAL SAVINGS BANK INC | 2,508,468,000.93 | 2,006,774,400.74 | 912,190,817.96 | -180.76% | ||||
| WORLD PARTNERS BANK (A THRIFT BANK) | 133,433,965.51 | 106,747,172.41 | 52,424,149.24 | -60.89% | ||||
| LUZON DEVELOPMENT BANK | 620,534,810.05 | 496,427,848.04 | 629,229,248.68 | -53.44% | ||||
| ENTERPRISE BANK INC (A THRIFT BANK) | 265,460,226.74 | 212,368,181.39 | 260,554,304.83 | -34.93% | ||||
| MARITIME SAVINGS BANK CORPORATION | 20,199,537.87 | 16,159,630.30 | 36,992,452.11 | -24.90% | ||||
| EQUICOM SAVINGS BANK INC | 687,413,287.67 | 549,930,630.14 | 698,949,675.95 | -23.33% | ||||
| MALAYAN BANK SAVINGS AND MORT BANK INC | 546,986,749.49 | 437,589,399.59 | 1,150,344,697.77 | -22.78% | ||||
| UCPB SAVINGS BANK | 1,395,757,892.22 | 1,116,606,313.78 | 2,874,860,911.74 | -15.93% | ||||
| CITYSTATE SAVINGS BANK INC | 193,616,529.68 | 154,893,223.74 | 679,648,386.14 | -13.96% | ||||
| CHINA BANK SAVINGS INC | 4,191,683,659.84 | 3,353,346,927.87 | 9,092,992,464.87 | -13.73% | ||||
| WEALTH DEVELOPMENT BANK CORPORATION | 403,775,183.43 | 323,020,146.74 | 1,460,127,640.46 | -12.84% | ||||
| RCBC SAVINGS BANK INC | 4,652,860,907.38 | 3,722,288,725.90 | 11,066,842,802.53 | -12.52% | ||||
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS BANK) | 761,527,575.16 | 609,222,060.13 | 2,241,413,365.37 | -11.87% | ||||
| PAMPANGA DEVELOPMENT BANK | 57,099,117.06 | 45,679,293.65 | 148,804,323.34 | -10.51% | ||||
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 181,830,591.66 | 145,464,473.33 | 508,641,109.11 | -10.25% | ||||
| PRODUCERS SAVINGS BANK CORPORATION | 422,122,515.34 | 337,698,012.27 | 1,673,043,542.61 | -9.04% | ||||
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 477,431,496.72 | 381,945,197.38 | 1,559,682,991.33 | -8.94% | ||||
| CENTURY SAVINGS BANK CORPORATION | 116,834,579.97 | 93,467,663.98 | 990,519,115.21 | -7.45% | ||||
| LIFE SAVINGS BANK INC | 11,872,651.42 | 9,498,121.14 | 66,621,234.31 | -6.94% | ||||
| NORTHPOINT DEV'T BANK INC | 149,218,964.78 | 119,375,171.82 | 353,822,818.80 | -5.91% | ||||
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 976,793,580.15 | 781,434,864.12 | 2,575,933,166.93 | -5.07% | ||||
| BUSINESS AND CONSUMERS BANK (A DB) | 16,128,146.05 | 12,902,516.84 | 88,581,716.32 | -4.40% | ||||
| SUN SAVINGS BANK INC | 30,479,368.03 | 24,383,494.42 | 188,151,300.87 | -4.12% | ||||
| STANDARD CHARTERED BANK | 2,124,358,234.46 | 1,699,486,587.57 | 6,626,619,569.47 | -3.67% | ||||
| DUMAGUETE CITY DEV BANK INC | 36,781,599.06 | 29,425,279.25 | 278,933,034.72 | -3.63% | ||||
| EAST WEST BANKING CORP | 8,861,543,566.15 | 7,089,234,852.92 | 36,123,097,471.69 | -3.52% | ||||
| PNB SAVINGS BANK | 1,239,695,234.28 | 991,756,187.42 | 11,581,800,819.39 | -3.22% | ||||
| MALASIQUI PROGRESSIVE SLB, INC | 10,424,229.25 | 8,339,383.40 | 52,405,777.66 | -2.65% | ||||
| CITY SAVINGS BANK INC | 1,971,533,165.39 | 1,577,226,532.31 | 11,948,734,053.08 | -2.45% | ||||
| LEMERY SAVINGS & LOAN BANK, INC. | 7,191,014.95 | 5,752,811.96 | 80,394,408.65 | -1.93% | ||||
| PHIL STAR DEVELOPMENT BANK INC | 13,618,385.28 | 10,894,708.22 | 95,515,586.09 | -1.69% | ||||
| OPTIMUM DEVELOPMENT BANK INC | 46,514,017.84 | 37,211,214.27 | 860,541,306.24 | -1.63% | ||||
| ASIA UNITED BANK CORPORATION | 3,267,908,554.18 | 2,614,326,843.34 | 25,064,533,136.71 | -1.54% | ||||
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 5,222,336.47 | 4,177,869.18 | 273,304,452.83 | -0.47% | ||||
| UNITED COCONUT PLANTERS BANK | 4,917,354,031.38 | 3,933,883,225.10 | 17,763,321,160.41 | -0.46% | ||||
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 28,404,608.06 | 22,723,686.45 | 653,165,592.73 | -0.15% | ||||
| FIRST COMMERCIAL BANK LTD MANILA BRANCH | 0.00 | 0.00 | 2,025,837,707.46 | 0.01% | ||||
| VILLAGE BANK INC (A THRIFT BANK) | 27,161,103.56 | 21,728,882.85 | 82,448,387.65 | 0.10% | ||||
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | 0.00 | 0.00 | 2,362,004,659.17 | 0.29% | ||||
| BATAAN SAVINGS AND LOAN BANK | 1,743,509.11 | 1,394,807.29 | 57,872,042.86 | 0.35% | ||||
| ANZ BANKING GROUP LTD | 404,087,064.26 | 323,269,651.41 | 4,135,436,214.83 | 0.47% | ||||
| SHINHAN BANK - MANILA BRANCH | 0.00 | 0.00 | 2,202,945,627.45 | 0.47% | ||||
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | 0.00 | 0.00 | 2,137,859,788.27 | 0.51% | ||||
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | 0.00 | 0.00 | 2,247,987,353.43 | 0.62% | ||||
| ISLA BANK(A THRIFT BANK) INC | 0.00 | 0.00 | 670,867,337.69 | 0.64% | ||||
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | 0.00 | 0.00 | 12,958,404,539.93 | 0.70% | ||||
| PHILIPPINE VETERANS BANK | 1,885,539,254.64 | 1,508,431,403.71 | 3,656,411,884.82 | 0.73% | ||||
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 1,506,845,532.18 | 1,205,476,425.74 | 9,994,689,897.65 | 0.75% | ||||
| BANK ONE SAVINGS AND TRUST CORP. | 49,945,137.26 | 39,956,109.81 | 578,405,928.29 | 0.77% | ||||
| BANK OF MAKATI (A SAVINGS BANK) INC | 2,426,621,205.73 | 1,941,296,964.58 | 6,841,303,912.90 | 0.93% | ||||
| PACIFIC ACE SAVINGS BANK INC | 3,119,385.69 | 2,495,508.55 | 65,069,098.63 | 0.97% | ||||
| HIYAS BANKING CORPORATION | 33,790,616.12 | 27,032,492.90 | 168,276,907.07 | 1.09% | ||||
| BDO PRIVATE BANK, INC. | 0.00 | 0.00 | 5,603,416,533.66 | 1.26% | ||||
| BANK OF AMERICA N.A. | 0.00 | 0.00 | 2,091,322,952.20 | 1.32% | ||||
| ROBINSONS BANK CORPORATION | 728,263,391.43 | 582,610,713.14 | 12,194,350,959.91 | 1.47% | ||||
| JP MORGAN CHASE BANK NATIONAL ASSN. | 0.00 | 0.00 | 1,295,542,287.45 | 1.49% | ||||
| CORDILLERA SAVINGS BANK INC | 14,699,719.72 | 11,759,775.78 | 141,590,159.34 | 1.59% | ||||
| UNIVERSITY SAVINGS BANK INC | 45,539,112.82 | 36,431,290.26 | 413,906,362.05 | 1.62% | ||||
| MERCHANTS SAVINGS & LOAN ASSN INC | 19,239,366.24 | 15,391,492.99 | 618,763,558.14 | 1.89% | ||||
| BANGKO KABAYAN INC (A PRIVATE DEVELOPMENT BANK) | 27,111,347.52 | 21,689,078.02 | 461,655,272.10 | 1.92% | ||||
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 487,619.50 | 390,095.60 | 58,516,892.71 | 1.95% | ||||
| MAYBANK PHILIPPINES INCORPORATED | 1,482,324,528.48 | 1,185,859,622.78 | 12,511,305,008.97 | 2.01% | ||||
| YUANTA SAVINGS BANK PHILIPPINES INC | 111,437,808.32 | 89,150,246.66 | 981,621,561.60 | 2.43% | ||||
| RIZAL COMM'L BANKING CORP | 2,421,878,939.03 | 1,937,503,151.22 | 63,346,291,997.40 | 2.63% | ||||
| HONGKONG & SHANGHAI BANKING CORP | 730,992,187.04 | 584,793,749.63 | 13,714,790,245.53 | 2.69% | ||||
| HSBC SAVINGS BANK (PHILS) INC | 55,779,275.15 | 44,623,420.12 | 1,860,699,367.91 | 2.82% | ||||
| PHIL BANK OF COMMUNICATIONS | 2,211,964,696.92 | 1,769,571,757.54 | 10,478,096,577.25 | 3.08% | ||||
| FIRST CONSOLIDATED BANK INC (A PDB) | 627,943,191.24 | 502,354,552.99 | 4,069,474,830.97 | 3.23% | ||||
| KEB HANA BANK - MANILA BRANCH | 28,097,202.88 | 22,477,762.30 | 1,597,687,658.29 | 3.31% | ||||
| UNION BANK OF THE PHILS | 8,259,433,549.04 | 6,607,546,839.23 | 64,204,605,698.79 | 3.37% | ||||
| SECURITY BANK CORP | 2,060,467,178.32 | 1,648,373,742.66 | 99,567,769,614.34 | 3.43% | ||||
| ING BANK N.V. | 102.94 | 82.35 | 2,500,805,709.15 | 3.57% | ||||
| LAND BANK OF THE PHILIPPINES | 9,262,350,625.37 | 7,409,880,500.30 | 97,365,420,357.98 | 3.74% | ||||
| CHINA BANKING CORP | 3,584,955,716.65 | 2,867,964,573.32 | 74,140,331,250.87 | 3.81% | ||||
| BANK OF COMMERCE | 1,873,088,010.81 | 1,498,470,408.65 | 15,424,614,405.04 | 3.81% | ||||
| PHIL SAVINGS BANK | 4,663,782,199.22 | 3,731,025,759.38 | 19,934,184,692.96 | 4.00% | ||||
| PHIL NATIONAL BANK | 8,741,296,203.55 | 6,993,036,962.84 | 104,375,401,959.76 | 4.17% | ||||
| BDO UNIBANK INC | 17,219,995,831.01 | 13,775,996,664.81 | 288,498,827,105.70 | 4.31% | ||||
| DEVELOPMENT BANK OF THE PHIL | 5,997,967,764.28 | 4,798,374,211.42 | 45,033,443,004.31 | 4.45% | ||||
| BPI DIRECT BANKO INC A SAVINGS BANK | 418,418,339.45 | 334,734,671.56 | 2,009,459,844.76 | 4.58% | ||||
| BATAAN DEVELOPMENT BANK | 24,610,014.94 | 19,688,011.95 | 79,339,385.37 | 4.65% | ||||
| CTBC BANK (PHILIPPINES) CORP | 445,600,591.58 | 356,480,473.26 | 7,015,996,583.56 | 5.04% | ||||
| METROPOLITAN BANK & TCO | 4,034,181,576.50 | 3,227,345,261.20 | 194,923,419,998.34 | 5.17% | ||||
| FARMERS SAVINGS & LOAN BANK INC | 23,955,544.69 | 19,164,435.75 | 139,534,469.05 | 5.18% | ||||
| BANK OF THE PHIL ISLANDS | 8,232,869,548.41 | 6,586,295,638.73 | 169,327,181,092.42 | 5.33% | ||||
| DEUTSCHE BANK AG | 0.00 | 0.00 | 2,364,070,153.81 | 5.57% | ||||
| LEGAZPI SAVINGS BANK INC | 443,499,654.38 | 354,799,723.50 | 523,899,957.52 | 5.63% | ||||
| MEGA INT'L COMM'L BANK CO LTD | 0.00 | 0.00 | 1,824,886,709.42 | 6.46% | ||||
| PHIL TRUST COMPANY | 1,133,451,145.23 | 906,760,916.18 | 24,847,284,852.16 | 6.61% | ||||
| BPI FAMILY SAVINGS BANK INC | 7,359,361,449.90 | 5,887,489,159.92 | 26,009,110,830.94 | 6.65% | ||||
| CARD SME BANK INC A THRIFT BANK | 61,198,081.08 | 48,958,464.86 | 803,246,783.04 | 6.73% | ||||
| INTER-ASIA DEVELOPMENT BANK | 3,360,500.59 | 2,688,400.47 | 64,662,908.40 | 7.47% | ||||
| MIZUHO BANK LTD - MANILA BRANCH | 0.00 | 0.00 | 5,510,141,315.34 | 7.48% | ||||
| BANK OF CHINA LIMITED-MANILA BRANCH | 188,969,213.72 | 151,175,370.98 | 2,548,322,917.53 | 7.63% | ||||
| THE BNK OF TOKYO-MITSUBISHI UFJ LTD | 0.00 | 0.00 | 4,594,769,708.68 | 8.45% | ||||
| BANGKOK BANK PUBLIC CO LTD | 36,877,890.77 | 29,502,312.62 | 3,129,192,807.98 | 11.77% | ||||
| METRO CEBU PUBLIC SAVINGS BANK | 9,340,189.11 | 7,472,151.29 | 42,310,913.26 | 18.57% | ||||
| CITIBANK, N.A. | 865,034,706.52 | 692,027,765.22 | 15,937,194,194.65 | 19.36% | ||||
| THE PALAWAN BANK (PALAWAN DB) INC | 18,005,142.63 | 14,404,114.10 | 38,796,966.79 | 21.80% | ||||
| Grand Total | 141,158,760,279.43 | 112,927,008,223.54 | 1,605,115,818,311.65 | 3.37% | ||||
Source: www.bsp.gov.ph
Philippine
Postal Savings Bank Inc faces a shortfall of 180.76% of its stated
stockholder's equity of Php 912.19 million if it were to increase its
loan loss provisions to meet a minimum NPL Coverage Ratio of 80%.
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