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 | |||||
| September 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% | ||
| MARITIME SAVINGS BANK CORPORATION | 6,948,645.24 | 23,382,029.78 | 29.72% | ||
| CITYSTATE SAVINGS BANK INC | 57,985,000.97 | 188,959,446.02 | 30.69% | ||
| LUZON DEVELOPMENT BANK | 168,938,771.90 | 545,046,546.55 | 31.00% | ||
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS BANK) | 351,480,550.35 | 1,044,815,027.27 | 33.64% | ||
| LEMERY SAVINGS & LOAN BANK, INC. | 4,774,277.32 | 13,423,090.28 | 35.57% | ||
| UNIVERSITY SAVINGS BANK INC | 43,442,434.66 | 116,956,047.27 | 37.14% | ||
| WEALTH DEVELOPMENT BANK CORPORATION | 143,660,259.48 | 380,390,453.79 | 37.77% | ||
| UCPB SAVINGS BANK | 572,211,629.75 | 1,441,208,137.49 | 39.70% | ||
| MALASIQUI PROGRESSIVE SLB, INC | 6,951,706.48 | 16,462,941.25 | 42.23% | ||
| LIFE SAVINGS BANK INC | 4,824,695.67 | 11,416,781.69 | 42.26% | ||
| MALAYAN BANK SAVINGS AND MORT BANK INC | 185,282,008.54 | 435,420,208.60 | 42.55% | ||
| ALLBANK (A THRIFT BANK) INC | 23,226,813.08 | 53,131,404.08 | 43.72% | ||
| PRODUCERS SAVINGS BANK CORPORATION | 186,386,253.06 | 422,122,515.34 | 44.15% | ||
| EQUICOM SAVINGS BANK INC | 316,625,637.43 | 667,607,093.01 | 47.43% | ||
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 256,966,756.18 | 526,595,673.05 | 48.80% | ||
| RCBC SAVINGS BANK INC | 2,431,453,414.48 | 4,880,055,779.99 | 49.82% | ||
| CHINA BANK SAVINGS INC | 2,212,793,269.62 | 4,130,404,304.73 | 53.57% | ||
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 2,812,854.03 | 5,222,336.47 | 53.86% | ||
| PNB SAVINGS BANK | 773,674,598.91 | 1,435,899,069.48 | 53.88% | ||
| WORLD PARTNERS BANK (A THRIFT BANK) | 74,823,694.59 | 133,433,965.51 | 56.08% | ||
| CENTURY SAVINGS BANK CORPORATION | 19,702,529.95 | 35,040,627.61 | 56.23% | ||
| ENTERPRISE BANK INC (A THRIFT BANK) | 121,353,813.66 | 215,713,578.66 | 56.26% | ||
| SUN SAVINGS BANK INC | 18,318,429.65 | 31,865,252.35 | 57.49% | ||
| CITY SAVINGS BANK INC | 1,254,175,930.66 | 2,171,636,478.59 | 57.75% | ||
| PAMPANGA DEVELOPMENT BANK | 31,606,995.59 | 51,971,314.94 | 60.82% | ||
| DUMAGUETE CITY DEV BANK INC | 19,299,237.59 | 29,599,686.48 | 65.20% | ||
| STANDARD CHARTERED BANK | 1,712,514,476.20 | 2,625,905,469.28 | 65.22% | ||
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 123,223,858.03 | 188,311,423.89 | 65.44% | ||
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 664,337,067.00 | 999,798,578.55 | 66.45% | ||
| ANZ BANKING GROUP LTD | 269,626,393.67 | 404,087,064.26 | 66.72% | ||
| PHIL STAR DEVELOPMENT BANK INC | 9,276,107.75 | 13,618,385.28 | 68.11% | ||
| EAST WEST BANKING CORP | 6,007,211,039.23 | 8,571,691,526.36 | 70.08% | ||
| NORTHPOINT DEV'T BANK INC | 119,391,217.75 | 167,453,354.61 | 71.30% | ||
| UNITED COCONUT PLANTERS BANK | 2,879,657,626.33 | 4,006,807,441.49 | 71.87% | ||
| BATAAN SAVINGS AND LOAN BANK | 1,595,044.62 | 2,089,556.31 | 76.33% | ||
| PHILIPPINE VETERANS BANK | 1,545,833,818.57 | 1,883,037,451.22 | 82.09% | ||
| LEGAZPI SAVINGS BANK INC | 266,204,467.71 | 320,173,069.38 | 83.14% | ||
| HIYAS BANKING CORPORATION | 28,859,545.81 | 34,353,876.46 | 84.01% | ||
| ASIA UNITED BANK CORPORATION | 2,398,708,327.73 | 2,729,346,887.64 | 87.89% | ||
| CORDILLERA SAVINGS BANK INC | 14,015,675.60 | 15,910,979.40 | 88.09% | ||
| BANK ONE SAVINGS AND TRUST CORP. | 44,384,460.48 | 49,944,276.09 | 88.87% | ||
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 1,377,129,761.34 | 1,527,303,682.15 | 90.17% | ||
| PACIFIC ACE SAVINGS BANK INC | 3,128,611.95 | 3,359,285.69 | 93.13% | ||
| PHIL SAVINGS BANK | 4,437,039,977.44 | 4,610,213,814.22 | 96.24% | ||
| MAYBANK PHILIPPINES INCORPORATED | 1,488,402,247.81 | 1,538,320,568.40 | 96.76% | ||
| PHIL BANK OF COMMUNICATIONS | 2,160,147,833.79 | 2,216,599,337.40 | 97.45% | ||
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 24,402,817.45 | 24,547,464.17 | 99.41% | ||
| BANK OF MAKATI (A SAVINGS BANK) INC | 2,313,298,934.55 | 2,326,624,061.12 | 99.43% | ||
| BPI FAMILY SAVINGS BANK INC | 7,566,095,774.51 | 7,581,005,954.14 | 99.80% | ||
| YUANTA SAVINGS BANK PHILIPPINES INC | 113,008,096.86 | 112,954,004.98 | 100.05% | ||
| BATAAN DEVELOPMENT BANK | 23,381,061.33 | 23,282,834.47 | 100.42% | ||
| ROBINSONS BANK CORPORATION | 804,961,431.05 | 771,694,104.69 | 104.31% | ||
| VILLAGE BANK INC (A THRIFT BANK) | 30,987,101.94 | 29,349,566.91 | 105.58% | ||
| BPI DIRECT BANKO INC A SAVINGS BANK | 431,833,619.78 | 402,048,116.22 | 107.41% | ||
| BANK OF COMMERCE | 2,104,388,186.18 | 1,933,309,750.94 | 108.85% | ||
| FARMERS SAVINGS & LOAN BANK INC | 26,449,814.62 | 23,926,681.31 | 110.55% | ||
| UNION BANK OF THE PHILS | 9,045,851,109.76 | 8,069,495,405.68 | 112.10% | ||
| DEVELOPMENT BANK OF THE PHIL | 6,829,373,585.30 | 5,788,443,476.53 | 117.98% | ||
| LAND BANK OF THE PHILIPPINES | 11,704,299,689.59 | 9,545,698,986.46 | 122.61% | ||
| INTER-ASIA DEVELOPMENT BANK | 7,953,225.52 | 6,364,956.89 | 124.95% | ||
| THE PALAWAN BANK (PALAWAN DB) INC | 22,860,428.44 | 18,005,142.63 | 126.97% | ||
| HONGKONG & SHANGHAI BANKING CORP | 971,318,939.15 | 745,759,554.02 | 130.25% | ||
| RIZAL COMM'L BANKING CORP | 3,729,435,227.92 | 2,738,199,180.71 | 136.20% | ||
| PHIL NATIONAL BANK | 12,022,124,234.33 | 8,771,640,884.50 | 137.06% | ||
| MERCHANTS SAVINGS & LOAN ASSN INC | 30,510,360.82 | 21,944,310.69 | 139.04% | ||
| CHINA BANKING CORP | 5,827,772,846.39 | 4,034,201,792.60 | 144.46% | ||
| BDO UNIBANK INC | 27,110,966,691.04 | 18,340,530,156.37 | 147.82% | ||
| FIRST CONSOLIDATED BANK INC (A PDB) | 643,528,677.51 | 407,424,268.73 | 157.95% | ||
| BANGKO KABAYAN INC (A PRIVATE DEVELOPMENT BANK) | 30,841,940.08 | 19,285,872.47 | 159.92% | ||
| CARD SME BANK INC A THRIFT BANK | 115,324,117.25 | 69,511,576.66 | 165.91% | ||
| CTBC BANK (PHILIPPINES) CORP | 727,902,882.54 | 427,998,126.17 | 170.07% | ||
| BUSINESS AND CONSUMERS BANK (A DB) | 10,387,109.24 | 6,090,313.34 | 170.55% | ||
| BANK OF THE PHIL ISLANDS | 16,628,800,617.12 | 9,657,461,045.03 | 172.19% | ||
| BANK OF CHINA LIMITED-MANILA BRANCH | 342,070,922.20 | 188,969,213.72 | 181.02% | ||
| HSBC SAVINGS BANK(PHILS) INC | 97,284,599.77 | 51,109,354.88 | 190.35% | ||
| METRO CEBU PUBLIC SAVINGS BANK | 18,559,329.09 | 8,869,721.90 | 209.24% | ||
| METROPOLITAN BANK & TCO | 13,544,464,439.10 | 6,115,557,253.03 | 221.48% | ||
| PHIL TRUST COMPANY | 2,598,668,029.34 | 1,121,366,905.75 | 231.74% | ||
| SECURITY BANK CORP | 5,322,581,576.81 | 2,178,978,925.78 | 244.27% | ||
| KEB HANA BANK - MANILA BRANCH | 70,156,824.72 | 28,131,704.26 | 249.39% | ||
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 1,532,986.81 | 519,588.36 | 295.04% | ||
| CITIBANK, N.A. | 3,669,000,356.27 | 886,570,461.17 | 413.84% | ||
| BANGKOK BANK PUBLIC CO LTD | 407,389,687.50 | 35,377,890.77 | 1151.54% | ||
| ING BANK N.V. | 88,430,916.29 | 103.63 | 85333316.89% | ||
| BANK OF AMERICA N.A. | 27,699,996.00 | 0.00 | NA | ||
| BDO PRIVATE BANK, INC. | 70,426,644.78 | 0.00 | NA | ||
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | 11,387,003.41 | 0.00 | NA | ||
| DEUTSCHE BANK AG | 145,910,504.41 | 0.00 | NA | ||
| FIRST COMMERCIAL BANK LTD MANILA BRANCH | 2,310,000.00 | 0.00 | NA | ||
| HUA NAN COMMERCIAL BANK LTD MANILA BRANCH | 0.00 | 0.00 | NA | ||
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | 15,532,197.22 | 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 | 145,409,223.49 | 0.00 | NA | ||
| MIZUHO BANK LTD - MANILA BRANCH | 477,998,367.14 | 0.00 | NA | ||
| SHINHAN BANK - MANILA BRANCH | 11,742,855.50 | 0.00 | NA | ||
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | 140,809,335.50 | 0.00 | NA | ||
| THE BNK OF TOKYO-MITSUBISHI UFJ LTD | 388,210,030.46 | 0.00 | NA | ||
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | 13,991,322.20 | 0.00 | NA | ||
| Grand Total | 171,731,463,802.97 | 145,936,822,530.97 | 117.68% | ||
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, five banks will be severely affected:
| Philippine Banking System | ||||||||
| Impact on SE of Minimum Loan Loss Provisions | ||||||||
| September 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 | 545,046,546.55 | 436,037,237.24 | 608,587,401.07 | -43.89% | ||||
| MARITIME SAVINGS BANK CORPORATION | 23,382,029.78 | 18,705,623.82 | 37,087,935.24 | -31.70% | ||||
| EQUICOM SAVINGS BANK INC | 667,607,093.01 | 534,085,674.41 | 702,493,775.37 | -30.96% | ||||
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS BANK) | 1,044,815,027.27 | 835,852,021.82 | 2,330,423,041.47 | -20.78% | ||||
| UCPB SAVINGS BANK | 1,441,208,137.49 | 1,152,966,509.99 | 2,941,708,331.13 | -19.74% | ||||
| ENTERPRISE BANK INC (A THRIFT BANK) | 215,713,578.66 | 172,570,862.93 | 280,195,073.92 | -18.28% | ||||
| MALAYAN BANK SAVINGS AND MORT BANK INC | 435,420,208.60 | 348,336,166.88 | 1,176,335,297.85 | -13.86% | ||||
| RCBC SAVINGS BANK INC | 4,880,055,779.99 | 3,904,044,623.99 | 11,406,749,774.02 | -12.91% | ||||
| CITYSTATE SAVINGS BANK INC | 188,959,446.02 | 151,167,556.82 | 750,760,752.25 | -12.41% | ||||
| CHINA BANK SAVINGS INC | 4,130,404,304.73 | 3,304,323,443.78 | 9,020,020,772.21 | -12.10% | ||||
| UNIVERSITY SAVINGS BANK INC | 116,956,047.27 | 93,564,837.82 | 417,685,916.66 | -12.00% | ||||
| MALASIQUI PROGRESSIVE SLB, INC | 16,462,941.25 | 13,170,353.00 | 52,202,636.18 | -11.91% | ||||
| WEALTH DEVELOPMENT BANK CORPORATION | 380,390,453.79 | 304,312,363.03 | 1,474,494,842.00 | -10.90% | ||||
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 526,595,673.05 | 421,276,538.44 | 1,594,183,681.39 | -10.31% | ||||
| PRODUCERS SAVINGS BANK CORPORATION | 422,122,515.34 | 337,698,012.27 | 1,673,043,542.61 | -9.04% | ||||
| LEMERY SAVINGS & LOAN BANK, INC. | 13,423,090.28 | 10,738,472.22 | 81,595,968.41 | -7.31% | ||||
| PAMPANGA DEVELOPMENT BANK | 51,971,314.94 | 41,577,051.95 | 148,200,486.72 | -6.73% | ||||
| LIFE SAVINGS BANK INC | 11,416,781.69 | 9,133,425.35 | 67,270,003.62 | -6.41% | ||||
| STANDARD CHARTERED BANK | 2,625,905,469.28 | 2,100,724,375.42 | 6,607,584,228.73 | -5.88% | ||||
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 188,311,423.89 | 150,649,139.11 | 486,928,896.76 | -5.63% | ||||
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 999,798,578.55 | 799,838,862.84 | 2,614,441,434.70 | -5.18% | ||||
| NORTHPOINT DEV'T BANK INC | 167,453,354.61 | 133,962,683.69 | 349,870,036.19 | -4.16% | ||||
| CITY SAVINGS BANK INC | 2,171,636,478.59 | 1,737,309,182.87 | 12,706,877,725.77 | -3.80% | ||||
| SUN SAVINGS BANK INC | 31,865,252.35 | 25,492,201.88 | 190,859,259.93 | -3.76% | ||||
| PNB SAVINGS BANK | 1,435,899,069.48 | 1,148,719,255.58 | 11,722,055,280.02 | -3.20% | ||||
| EAST WEST BANKING CORP | 8,571,691,526.36 | 6,857,353,221.09 | 37,335,941,987.02 | -2.28% | ||||
| ALLBANK (A THRIFT BANK) INC | 53,131,404.08 | 42,505,123.26 | 903,007,636.97 | -2.13% | ||||
| UNITED COCONUT PLANTERS BANK | 4,006,807,441.49 | 3,205,445,953.19 | 17,915,131,482.85 | -1.82% | ||||
| PHIL STAR DEVELOPMENT BANK INC | 13,618,385.28 | 10,894,708.22 | 95,512,977.18 | -1.69% | ||||
| DUMAGUETE CITY DEV BANK INC | 29,599,686.48 | 23,679,749.18 | 282,851,266.90 | -1.55% | ||||
| ANZ BANKING GROUP LTD | 404,087,064.26 | 323,269,651.41 | 4,242,436,078.21 | -1.26% | ||||
| CENTURY SAVINGS BANK CORPORATION | 35,040,627.61 | 28,032,502.09 | 986,255,355.88 | -0.84% | ||||
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 5,222,336.47 | 4,177,869.18 | 260,731,005.77 | -0.52% | ||||
| BATAAN SAVINGS AND LOAN BANK | 2,089,556.31 | 1,671,645.05 | 57,340,856.43 | -0.13% | ||||
| HUA NAN COMMERCIAL BANK LTD MANILA BRANCH | 0.00 | 0.00 | 2,081,351,164.93 | 0.00% | ||||
| FIRST COMMERCIAL BANK LTD MANILA BRANCH | 0.00 | 0.00 | 2,024,021,798.12 | 0.11% | ||||
| SHINHAN BANK - MANILA BRANCH | 0.00 | 0.00 | 2,208,080,775.75 | 0.53% | ||||
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | 0.00 | 0.00 | 2,131,959,607.41 | 0.53% | ||||
| PACIFIC ACE SAVINGS BANK INC | 3,359,285.69 | 2,687,428.55 | 74,249,704.16 | 0.59% | ||||
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | 0.00 | 0.00 | 2,346,970,697.12 | 0.60% | ||||
| ISLA BANK(A THRIFT BANK) INC | 0.00 | 0.00 | 675,385,523.04 | 0.64% | ||||
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | 0.00 | 0.00 | 2,271,224,385.43 | 0.68% | ||||
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 24,547,464.17 | 19,637,971.34 | 652,183,207.72 | 0.73% | ||||
| BANK ONE SAVINGS AND TRUST CORP. | 49,944,276.09 | 39,955,420.87 | 584,102,778.37 | 0.76% | ||||
| HIYAS BANKING CORPORATION | 34,353,876.46 | 27,483,101.17 | 172,583,685.53 | 0.80% | ||||
| ASIA UNITED BANK CORPORATION | 2,729,346,887.64 | 2,183,477,510.11 | 26,504,553,463.24 | 0.81% | ||||
| CORDILLERA SAVINGS BANK INC | 15,910,979.40 | 12,728,783.52 | 144,410,140.75 | 0.89% | ||||
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | 0.00 | 0.00 | 12,836,854,089.47 | 1.10% | ||||
| PHILIPPINE VETERANS BANK | 1,883,037,451.22 | 1,506,429,960.98 | 3,497,229,644.77 | 1.13% | ||||
| BANK OF AMERICA N.A. | 0.00 | 0.00 | 2,091,322,952.20 | 1.32% | ||||
| BDO PRIVATE BANK, INC. | 0.00 | 0.00 | 5,251,554,616.09 | 1.34% | ||||
| JP MORGAN CHASE BANK NATIONAL ASSN. | 0.00 | 0.00 | 1,304,593,848.06 | 1.48% | ||||
| ROBINSONS BANK CORPORATION | 771,694,104.69 | 617,355,283.75 | 12,401,830,668.75 | 1.51% | ||||
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 1,527,303,682.15 | 1,221,842,945.72 | 10,074,646,988.78 | 1.54% | ||||
| LEGAZPI SAVINGS BANK INC | 320,173,069.38 | 256,138,455.50 | 537,350,772.59 | 1.87% | ||||
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 519,588.36 | 415,670.69 | 58,492,054.63 | 1.91% | ||||
| MAYBANK PHILIPPINES INCORPORATED | 1,538,320,568.40 | 1,230,656,454.72 | 12,564,639,453.88 | 2.05% | ||||
| MERCHANTS SAVINGS & LOAN ASSN INC | 21,944,310.69 | 17,555,448.55 | 619,980,068.95 | 2.09% | ||||
| YUANTA SAVINGS BANK PHILIPPINES INC | 112,954,004.98 | 90,363,203.98 | 973,401,700.92 | 2.33% | ||||
| RIZAL COMM'L BANKING CORP | 2,738,199,180.71 | 2,190,559,344.57 | 64,861,968,770.74 | 2.37% | ||||
| HONGKONG & SHANGHAI BANKING CORP | 745,759,554.02 | 596,607,643.22 | 13,895,030,853.83 | 2.70% | ||||
| KEB HANA BANK - MANILA BRANCH | 28,131,704.26 | 22,505,363.41 | 1,636,435,622.34 | 2.91% | ||||
| HSBC SAVINGS BANK(PHILS) INC | 51,109,354.88 | 40,887,483.90 | 1,894,764,577.93 | 2.98% | ||||
| BANGKO KABAYAN INC (A PRIVATE DEVELOPMENT BANK) | 19,285,872.47 | 15,428,697.98 | 477,480,991.72 | 3.23% | ||||
| PHIL BANK OF COMMUNICATIONS | 2,216,599,337.40 | 1,773,279,469.92 | 11,928,226,773.54 | 3.24% | ||||
| CHINA BANKING CORP | 4,034,201,792.60 | 3,227,361,434.08 | 75,949,384,511.58 | 3.42% | ||||
| SECURITY BANK CORP | 2,178,978,925.78 | 1,743,183,140.62 | 101,502,917,257.72 | 3.53% | ||||
| BANK OF COMMERCE | 1,933,309,750.94 | 1,546,647,800.75 | 15,611,461,237.37 | 3.57% | ||||
| ING BANK N.V. | 103.63 | 82.90 | 2,457,969,000.41 | 3.60% | ||||
| PHIL SAVINGS BANK | 4,610,213,814.22 | 3,688,171,051.38 | 20,553,887,937.32 | 3.64% | ||||
| UNION BANK OF THE PHILS | 8,069,495,405.68 | 6,455,596,324.54 | 65,938,706,351.21 | 3.93% | ||||
| LAND BANK OF THE PHILIPPINES | 9,545,698,986.46 | 7,636,559,189.17 | 101,943,418,116.82 | 3.99% | ||||
| BDO UNIBANK INC | 18,340,530,156.37 | 14,672,424,125.10 | 293,986,619,750.52 | 4.23% | ||||
| INTER-ASIA DEVELOPMENT BANK | 6,364,956.89 | 5,091,965.51 | 67,233,113.70 | 4.26% | ||||
| METROPOLITAN BANK & TCO | 6,115,557,253.03 | 4,892,445,802.42 | 199,943,990,930.40 | 4.33% | ||||
| PHIL NATIONAL BANK | 8,771,640,884.50 | 7,017,312,707.60 | 106,035,778,273.85 | 4.72% | ||||
| DEVELOPMENT BANK OF THE PHIL | 5,788,443,476.53 | 4,630,754,781.22 | 46,550,980,106.56 | 4.72% | ||||
| BANK OF THE PHIL ISLANDS | 9,657,461,045.03 | 7,725,968,836.02 | 174,856,293,663.35 | 5.09% | ||||
| CTBC BANK (PHILIPPINES) CORP | 427,998,126.17 | 342,398,500.94 | 7,097,828,768.53 | 5.43% | ||||
| BPI DIRECT BANKO INC A SAVINGS BANK | 402,048,116.22 | 321,638,492.98 | 2,026,159,831.01 | 5.44% | ||||
| BPI FAMILY SAVINGS BANK INC | 7,581,005,954.14 | 6,064,804,763.31 | 27,332,288,317.29 | 5.49% | ||||
| FARMERS SAVINGS & LOAN BANK INC | 23,926,681.31 | 19,141,345.05 | 132,550,717.23 | 5.51% | ||||
| BATAAN DEVELOPMENT BANK | 23,282,834.47 | 18,626,267.58 | 83,685,275.51 | 5.68% | ||||
| DEUTSCHE BANK AG | 0.00 | 0.00 | 2,531,311,509.69 | 5.76% | ||||
| BANK OF MAKATI (A SAVINGS BANK) INC | 2,326,624,061.12 | 1,861,299,248.90 | 7,177,253,101.88 | 6.30% | ||||
| BUSINESS AND CONSUMERS BANK (A DB) | 6,090,313.34 | 4,872,250.67 | 87,068,500.59 | 6.33% | ||||
| PHIL TRUST COMPANY | 1,121,366,905.75 | 897,093,524.60 | 25,015,724,609.18 | 6.80% | ||||
| CARD SME BANK INC A THRIFT BANK | 69,511,576.66 | 55,609,261.33 | 877,516,443.55 | 6.80% | ||||
| BANK OF CHINA LIMITED-MANILA BRANCH | 188,969,213.72 | 151,175,370.98 | 2,580,749,046.71 | 7.40% | ||||
| FIRST CONSOLIDATED BANK INC (A PDB) | 407,424,268.73 | 325,939,414.98 | 4,243,049,159.99 | 7.48% | ||||
| MEGA INT'L COMM'L BANK CO LTD | 0.00 | 0.00 | 1,856,041,660.71 | 7.83% | ||||
| THE BNK OF TOKYO-MITSUBISHI UFJ LTD | 0.00 | 0.00 | 4,653,117,496.08 | 8.34% | ||||
| MIZUHO BANK LTD - MANILA BRANCH | 0.00 | 0.00 | 5,512,796,843.22 | 8.67% | ||||
| VILLAGE BANK INC (A THRIFT BANK) | 29,349,566.91 | 23,479,653.53 | 70,575,666.57 | 10.64% | ||||
| BANGKOK BANK PUBLIC CO LTD | 35,377,890.77 | 28,302,312.62 | 3,145,339,339.96 | 12.05% | ||||
| CITIBANK, N.A. | 886,570,461.17 | 709,256,368.94 | 17,519,765,588.91 | 16.89% | ||||
| METRO CEBU PUBLIC SAVINGS BANK | 8,869,721.90 | 7,095,777.52 | 52,804,532.18 | 21.71% | ||||
| THE PALAWAN BANK (PALAWAN DB) INC | 18,005,142.63 | 14,404,114.10 | 38,796,966.79 | 21.80% | ||||
| Grand Total | 145,936,822,530.97 | 116,749,458,024.78 | 1,648,695,424,715.78 | 3.33% | ||||
Source: www.bsp.gov.ph
Out of the five banks highlighted in yellow, four banks have been regularly listed as one of the "The Top Distressed Philippine Banks as of September 30, 2017".
The most notable of the banks in this list is Philippine
Postal Savings Bank Inc. The bank 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%. In short, it's equity would be completely wiped out and then some if the bank were to properly account for its losses.
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