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 34 banks (highlighted in yellow, failed banks in red) fall into this deficiency.
| Philippine Banking System | |||||
| NPL Coverage Ratio | |||||
| December 31, 2017 | |||||
| Bank | Loan Loss Provisions | Gross NPLs | NPL Coverage Ratio | ||
| PHIL POSTAL SAVINGS BANK INC | 359,696,636.96 | 2,573,636,133.05 | 13.98% | ||
| MARITIME SAVINGS BANK CORPORATION | 6,948,645.24 | 23,615,730.12 | 29.42% | ||
| UNIVERSITY SAVINGS BANK INC | 43,742,434.66 | 143,068,589.00 | 30.57% | ||
| LUZON DEVELOPMENT BANK | 179,930,113.15 | 572,886,788.42 | 31.41% | ||
| UCPB SAVINGS BANK | 602,040,666.86 | 1,805,224,708.69 | 33.35% | ||
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS | 367,095,651.13 | 1,041,502,843.18 | 35.25% | ||
| EQUICOM SAVINGS BANK INC | 221,392,363.03 | 581,351,331.19 | 38.08% | ||
| ALLBANK (A THRIFT BANK) INC | 25,226,813.08 | 63,415,045.83 | 39.78% | ||
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 210,213,805.41 | 524,483,848.57 | 40.08% | ||
| CITYSTATE SAVINGS BANK INC | 79,217,291.59 | 193,352,128.38 | 40.97% | ||
| PNB SAVINGS BANK | 698,460,623.34 | 1,668,304,338.01 | 41.87% | ||
| WEALTH DEVELOPMENT BANK CORPORATION | 155,713,418.44 | 355,586,153.21 | 43.79% | ||
| CITY SAVINGS BANK INC | 1,133,146,672.30 | 2,547,279,274.47 | 44.48% | ||
| MALASIQUI PROGRESSIVE SLB, INC | 6,951,706.48 | 15,625,906.59 | 44.49% | ||
| DUMAGUETE CITY DEV BANK INC | 19,299,237.59 | 37,947,396.83 | 50.86% | ||
| RCBC SAVINGS BANK INC | 2,401,025,106.49 | 4,434,141,000.56 | 54.15% | ||
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 2,586,990.79 | 4,726,959.53 | 54.73% | ||
| CENTURY SAVINGS BANK CORPORATION | 19,702,529.95 | 35,875,505.12 | 54.92% | ||
| CHINA BANK SAVINGS INC | 2,161,442,962.97 | 3,926,539,784.17 | 55.05% | ||
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 1,452,319.51 | 2,606,502.67 | 55.72% | ||
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 640,893,087.58 | 1,109,957,042.55 | 57.74% | ||
| PAMPANGA DEVELOPMENT BANK | 30,518,706.22 | 51,370,076.92 | 59.41% | ||
| ENTERPRISE BANK INC (A THRIFT BANK) | 148,926,171.26 | 236,780,337.30 | 62.90% | ||
| LEMERY SAVINGS & LOAN BANK, INC. | 2,874,586.45 | 4,270,287.78 | 67.32% | ||
| SUN SAVINGS BANK INC | 18,650,416.70 | 27,575,519.66 | 67.63% | ||
| PHIL STAR DEVELOPMENT BANK INC | 9,276,107.75 | 13,618,385.28 | 68.11% | ||
| NORTHPOINT DEV'T BANK INC | 94,058,155.26 | 135,617,693.05 | 69.36% | ||
| EAST WEST BANKING CORP | 6,689,334,583.44 | 9,194,973,447.66 | 72.75% | ||
| PRODUCERS SAVINGS BANK CORPORATION | 173,496,960.47 | 235,827,682.71 | 73.57% | ||
| HIYAS BANKING CORPORATION | 28,859,545.81 | 39,024,897.61 | 73.95% | ||
| LIFE SAVINGS BANK INC | 5,424,695.67 | 7,323,871.50 | 74.07% | ||
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 119,347,708.00 | 159,948,202.14 | 74.62% | ||
| STANDARD CHARTERED BANK | 1,962,488,076.95 | 2,621,936,475.60 | 74.85% | ||
| UNITED COCONUT PLANTERS BANK | 3,365,124,955.37 | 4,260,495,688.39 | 78.98% | ||
| LEGAZPI SAVINGS BANK INC | 267,732,567.57 | 331,930,878.48 | 80.66% | ||
| BANK OF MAKATI (A SAVINGS BANK) INC | 1,717,623,068.94 | 2,112,966,067.15 | 81.29% | ||
| PHILIPPINE VETERANS BANK | 1,664,354,679.22 | 1,940,400,491.73 | 85.77% | ||
| BATAAN DEVELOPMENT BANK | 23,381,061.33 | 27,105,889.48 | 86.26% | ||
| MAYBANK PHILIPPINES INCORPORATED | 1,326,734,966.07 | 1,505,097,676.36 | 88.15% | ||
| BANK ONE SAVINGS AND TRUST CORP. | 44,384,460.48 | 49,944,276.09 | 88.87% | ||
| BPI FAMILY SAVINGS BANK INC | 6,834,672,387.15 | 7,510,125,483.03 | 91.01% | ||
| PHIL SAVINGS BANK | 4,482,397,136.59 | 4,770,532,359.83 | 93.96% | ||
| BPI DIRECT BANKO INC A SAVINGS BANK | 435,832,557.59 | 445,658,466.00 | 97.80% | ||
| PHIL BANK OF COMMUNICATIONS | 2,164,414,667.52 | 2,188,900,338.08 | 98.88% | ||
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 1,494,847,756.55 | 1,508,538,115.21 | 99.09% | ||
| YUANTA SAVINGS BANK PHILIPPINES INC | 111,659,778.72 | 111,281,975.24 | 100.34% | ||
| MAXIMUM SAVINGS BANK INC | 9,369,812.16 | 9,301,471.34 | 100.73% | ||
| UNION BANK OF THE PHILS | 8,682,456,359.60 | 7,919,233,625.67 | 109.64% | ||
| THE PALAWAN BANK (PALAWAN DB) INC | 22,860,428.44 | 20,627,309.35 | 110.83% | ||
| MALAYAN BANK SAVINGS AND MORT BANK INC | 428,096,630.02 | 382,510,294.71 | 111.92% | ||
| ROBINSONS BANK CORPORATION | 870,113,574.23 | 764,981,621.23 | 113.74% | ||
| CORDILLERA SAVINGS BANK INC | 15,015,675.60 | 13,111,997.34 | 114.52% | ||
| DEVELOPMENT BANK OF THE PHIL | 7,014,994,004.78 | 5,910,318,428.03 | 118.69% | ||
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 25,709,790.77 | 21,531,439.74 | 119.41% | ||
| BANK OF COMMERCE | 2,316,834,127.38 | 1,905,183,563.38 | 121.61% | ||
| PACIFIC ACE SAVINGS BANK INC | 934,156.70 | 723,612.00 | 129.10% | ||
| PHIL NATIONAL BANK | 11,787,259,241.98 | 9,026,087,102.44 | 130.59% | ||
| BUSINESS AND CONSUMERS BANK (A DB) | 10,841,871.97 | 8,282,870.65 | 130.90% | ||
| RIZAL COMM'L BANKING CORP | 3,881,667,615.24 | 2,850,646,633.56 | 136.17% | ||
| MERCHANTS SAVINGS & LOAN ASSN INC | 33,386,029.89 | 24,490,163.18 | 136.32% | ||
| HONGKONG & SHANGHAI BANKING CORP | 992,793,880.01 | 716,358,593.37 | 138.59% | ||
| FARMERS SAVINGS & LOAN BANK INC | 26,735,177.92 | 18,781,070.83 | 142.35% | ||
| BANGKO KABAYAN INC (A PRIVATE DEVELOPMENT BANK) | 25,477,556.67 | 17,218,615.00 | 147.97% | ||
| BDO UNIBANK INC | 27,437,933,434.38 | 17,044,080,200.52 | 160.98% | ||
| INTER-ASIA DEVELOPMENT BANK | 6,129,628.98 | 3,697,216.26 | 165.79% | ||
| HSBC SAVINGS BANK(PHILS) INC | 97,081,299.13 | 58,497,575.68 | 165.96% | ||
| ASIA UNITED BANK CORPORATION | 2,293,370,091.42 | 1,305,313,160.92 | 175.70% | ||
| CARD SME BANK INC A THRIFT BANK | 134,937,870.63 | 76,379,195.49 | 176.67% | ||
| FIRST CONSOLIDATED BANK INC (A PDB) | 696,030,195.87 | 386,608,203.74 | 180.04% | ||
| CHINA BANKING CORP | 5,352,681,373.43 | 2,923,249,111.15 | 183.11% | ||
| LAND BANK OF THE PHILIPPINES | 12,251,113,846.21 | 6,599,423,137.92 | 185.64% | ||
| CTBC BANK (PHILIPPINES) CORP | 777,243,866.09 | 402,002,888.64 | 193.34% | ||
| METRO CEBU PUBLIC SAVINGS BANK | 18,946,249.25 | 9,340,189.11 | 202.85% | ||
| BANK OF THE PHIL ISLANDS | 16,422,283,140.14 | 8,072,907,030.81 | 203.42% | ||
| PHIL TRUST COMPANY | 2,656,813,115.59 | 1,235,274,115.70 | 215.08% | ||
| METROPOLITAN BANK & TCO | 13,765,323,944.43 | 6,019,807,187.46 | 228.67% | ||
| KEB HANA BANK - MANILA BRANCH | 69,552,515.74 | 28,043,200.72 | 248.02% | ||
| SECURITY BANK CORP | 5,765,769,749.50 | 2,126,420,967.47 | 271.15% | ||
| CITIBANK, N.A. | 3,971,762,663.78 | 932,256,279.91 | 426.04% | ||
| BANGKOK BANK PUBLIC CO LTD | 404,989,125.00 | 32,996,077.60 | 1227.39% | ||
| ING BANK N.V. | 82,936,914.52 | 101.86 | 81422456.82% | ||
| AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED | 204,191,133.53 | 0.00 | NA | ||
| BANK OF AMERICA N.A. | 27,699,996.00 | 0.00 | NA | ||
| BANK OF CHINA LIMITED-MANILA BRANCH | 148,112,078.19 | 0.00 | NA | ||
| BDO PRIVATE BANK, INC. | 70,856,519.11 | 0.00 | NA | ||
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | 11,654,922.18 | 0.00 | NA | ||
| DEUTSCHE BANK AG | 160,109,262.10 | 0.00 | NA | ||
| FIRST COMMERCIAL BANK LTD MANILA BRANCH | 2,408,000.00 | 0.00 | NA | ||
| HUA NAN COMMERCIAL BANK LTD MANILA BRANCH | 0.00 | 0.00 | NA | ||
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | 16,060,933.90 | 0.00 | NA | ||
| ISLA BANK(A THRIFT BANK) INC | 4,290,580.33 | 0.00 | NA | ||
| JP MORGAN CHASE BANK NATIONAL ASSN. | 16,000,000.00 | 0.00 | NA | ||
| MEGA INT'L COMM'L BANK CO LTD | 133,623,837.77 | 0.00 | NA | ||
| MIZUHO BANK LTD - MANILA BRANCH | 539,993,128.41 | 0.00 | NA | ||
| SHINHAN BANK - MANILA BRANCH | 12,198,049.85 | 0.00 | NA | ||
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | 117,581,371.08 | 0.00 | NA | ||
| THE BNK OF TOKYO-MITSUBISHI UFJ LTD | 388,210,030.46 | 0.00 | NA | ||
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | 13,625,282.10 | 0.00 | NA | ||
| Grand Total | 172,768,654,916.09 | 138,018,055,845.20 | 125.18% | ||
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 | ||||||||
| December 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 | 2,573,636,133.05 | 2,058,908,906.44 | 842,001,759.20 | -201.81% | ||||
| LUZON DEVELOPMENT BANK | 572,886,788.42 | 458,309,430.74 | 656,264,864.47 | -42.42% | ||||
| EQUICOM SAVINGS BANK INC | 581,351,331.19 | 465,081,064.95 | 713,200,459.81 | -34.17% | ||||
| UCPB SAVINGS BANK | 1,805,224,708.69 | 1,444,179,766.95 | 2,527,615,670.22 | -33.32% | ||||
| MARITIME SAVINGS BANK CORPORATION | 23,615,730.12 | 18,892,584.10 | 37,729,273.64 | -31.66% | ||||
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS | 1,041,502,843.18 | 833,202,274.54 | 2,369,540,365.73 | -19.67% | ||||
| UNIVERSITY SAVINGS BANK INC | 143,068,589.00 | 114,454,871.20 | 411,771,626.31 | -17.17% | ||||
| ENTERPRISE BANK INC (A THRIFT BANK) | 236,780,337.30 | 189,424,269.84 | 253,723,993.77 | -15.96% | ||||
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 524,483,848.57 | 419,587,078.86 | 1,664,199,472.79 | -12.58% | ||||
| MALASIQUI PROGRESSIVE SLB, INC | 15,625,906.59 | 12,500,725.27 | 50,662,752.00 | -10.95% | ||||
| CITYSTATE SAVINGS BANK INC | 193,352,128.38 | 154,681,702.70 | 697,461,737.09 | -10.82% | ||||
| CHINA BANK SAVINGS INC | 3,926,539,784.17 | 3,141,231,827.34 | 9,101,933,064.11 | -10.76% | ||||
| RCBC SAVINGS BANK INC | 4,434,141,000.56 | 3,547,312,800.45 | 11,784,171,179.05 | -9.73% | ||||
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 1,109,957,042.55 | 887,965,634.04 | 2,659,580,815.51 | -9.29% | ||||
| WEALTH DEVELOPMENT BANK CORPORATION | 355,586,153.21 | 284,468,922.57 | 1,467,571,253.00 | -8.77% | ||||
| PAMPANGA DEVELOPMENT BANK | 51,370,076.92 | 41,096,061.54 | 149,769,025.42 | -7.06% | ||||
| CITY SAVINGS BANK INC | 2,547,279,274.47 | 2,037,823,419.58 | 13,744,848,979.28 | -6.58% | ||||
| PNB SAVINGS BANK | 1,668,304,338.01 | 1,334,643,470.41 | 11,503,184,041.59 | -5.53% | ||||
| NORTHPOINT DEV'T BANK INC | 135,617,693.05 | 108,494,154.44 | 356,004,174.33 | -4.06% | ||||
| DUMAGUETE CITY DEV BANK INC | 37,947,396.83 | 30,357,917.46 | 284,250,949.11 | -3.89% | ||||
| ALLBANK (A THRIFT BANK) INC | 63,415,045.83 | 50,732,036.66 | 1,020,711,669.47 | -2.50% | ||||
| STANDARD CHARTERED BANK | 2,621,936,475.60 | 2,097,549,180.48 | 6,461,203,931.41 | -2.09% | ||||
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 159,948,202.14 | 127,958,561.71 | 492,890,065.48 | -1.75% | ||||
| EAST WEST BANKING CORP | 9,194,973,447.66 | 7,355,978,758.13 | 38,620,925,589.08 | -1.73% | ||||
| PHIL STAR DEVELOPMENT BANK INC | 13,618,385.28 | 10,894,708.22 | 96,350,953.22 | -1.68% | ||||
| SUN SAVINGS BANK INC | 27,575,519.66 | 22,060,415.73 | 232,213,068.73 | -1.47% | ||||
| HIYAS BANKING CORPORATION | 39,024,897.61 | 31,219,918.09 | 171,657,550.61 | -1.38% | ||||
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 2,606,502.67 | 2,085,202.14 | 58,963,045.16 | -1.07% | ||||
| CENTURY SAVINGS BANK CORPORATION | 35,875,505.12 | 28,700,404.10 | 987,110,507.14 | -0.91% | ||||
| PRODUCERS SAVINGS BANK CORPORATION | 235,827,682.71 | 188,662,146.17 | 1,774,145,221.80 | -0.85% | ||||
| LEMERY SAVINGS & LOAN BANK, INC. | 4,270,287.78 | 3,416,230.22 | 85,354,098.57 | -0.63% | ||||
| LIFE SAVINGS BANK INC | 7,323,871.50 | 5,859,097.20 | 70,816,478.86 | -0.61% | ||||
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 4,726,959.53 | 3,781,567.62 | 243,855,237.24 | -0.49% | ||||
| UNITED COCONUT PLANTERS BANK | 4,260,495,688.39 | 3,408,396,550.71 | 17,397,558,815.10 | -0.25% | ||||
| HUA NAN COMMERCIAL BANK LTD MANILA BRANCH | 0.00 | 0.00 | 2,069,461,976.42 | 0.00% | ||||
| FIRST COMMERCIAL BANK LTD MANILA BRANCH | 0.00 | 0.00 | 2,021,320,878.22 | 0.12% | ||||
| BANK OF MAKATI (A SAVINGS BANK) INC | 2,112,966,067.15 | 1,690,372,853.72 | 7,227,534,095.53 | 0.38% | ||||
| LEGAZPI SAVINGS BANK INC | 331,930,878.48 | 265,544,702.78 | 540,799,646.86 | 0.40% | ||||
| PACIFIC ACE SAVINGS BANK INC | 723,612.00 | 578,889.60 | 74,525,853.83 | 0.48% | ||||
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | 0.00 | 0.00 | 2,121,743,141.73 | 0.55% | ||||
| SHINHAN BANK - MANILA BRANCH | 0.00 | 0.00 | 2,210,389,217.63 | 0.55% | ||||
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | 0.00 | 0.00 | 2,340,838,059.36 | 0.58% | ||||
| ISLA BANK(A THRIFT BANK) INC | 0.00 | 0.00 | 680,167,573.92 | 0.63% | ||||
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | 0.00 | 0.00 | 2,294,253,435.17 | 0.70% | ||||
| BANK ONE SAVINGS AND TRUST CORP. | 49,944,276.09 | 39,955,420.87 | 590,489,801.54 | 0.75% | ||||
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | 0.00 | 0.00 | 12,852,741,885.32 | 0.91% | ||||
| MAYBANK PHILIPPINES INCORPORATED | 1,505,097,676.36 | 1,204,078,141.09 | 12,948,139,648.57 | 0.95% | ||||
| JP MORGAN CHASE BANK NATIONAL ASSN. | 0.00 | 0.00 | 1,340,894,840.65 | 1.19% | ||||
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 21,531,439.74 | 17,225,151.79 | 654,541,579.78 | 1.30% | ||||
| BANK OF AMERICA N.A. | 0.00 | 0.00 | 2,096,035,697.20 | 1.32% | ||||
| BDO PRIVATE BANK, INC. | 0.00 | 0.00 | 5,348,567,459.72 | 1.32% | ||||
| BATAAN DEVELOPMENT BANK | 27,105,889.48 | 21,684,711.58 | 84,544,777.01 | 2.01% | ||||
| ROBINSONS BANK CORPORATION | 764,981,621.23 | 611,985,296.98 | 12,112,890,535.89 | 2.13% | ||||
| MERCHANTS SAVINGS & LOAN ASSN INC | 24,490,163.18 | 19,592,130.54 | 613,220,402.50 | 2.25% | ||||
| RIZAL COMM'L BANKING CORP | 2,850,646,633.56 | 2,280,517,306.85 | 66,891,627,479.35 | 2.39% | ||||
| YUANTA SAVINGS BANK PHILIPPINES INC | 111,281,975.24 | 89,025,580.19 | 942,387,007.15 | 2.40% | ||||
| BANGKO KABAYAN INC (A PRIVATE DEVELOPMENT BANK) | 17,218,615.00 | 13,774,892.00 | 486,359,819.88 | 2.41% | ||||
| KEB HANA BANK - MANILA BRANCH | 28,043,200.72 | 22,434,560.58 | 1,675,545,705.46 | 2.81% | ||||
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 1,508,538,115.21 | 1,206,830,492.17 | 10,187,187,378.11 | 2.83% | ||||
| HONGKONG & SHANGHAI BANKING CORP | 716,358,593.37 | 573,086,874.70 | 14,676,887,638.06 | 2.86% | ||||
| MAXIMUM SAVINGS BANK INC | 9,301,471.34 | 7,441,177.07 | 64,034,475.98 | 3.01% | ||||
| HSBC SAVINGS BANK(PHILS) INC | 58,497,575.68 | 46,798,060.54 | 1,655,388,144.52 | 3.04% | ||||
| BPI FAMILY SAVINGS BANK INC | 7,510,125,483.03 | 6,008,100,386.42 | 26,687,511,311.24 | 3.10% | ||||
| ING BANK N.V. | 101.86 | 81.49 | 2,614,800,005.89 | 3.17% | ||||
| PHIL SAVINGS BANK | 4,770,532,359.83 | 3,816,425,887.86 | 20,897,738,257.41 | 3.19% | ||||
| CORDILLERA SAVINGS BANK INC | 13,111,997.34 | 10,489,597.87 | 137,391,858.98 | 3.29% | ||||
| PHILIPPINE VETERANS BANK | 1,940,400,491.73 | 1,552,320,393.38 | 3,268,708,856.38 | 3.43% | ||||
| PHIL BANK OF COMMUNICATIONS | 2,188,900,338.08 | 1,751,120,270.46 | 12,009,314,825.58 | 3.44% | ||||
| UNION BANK OF THE PHILS | 7,919,233,625.67 | 6,335,386,900.54 | 67,773,383,482.01 | 3.46% | ||||
| BPI DIRECT BANKO INC A SAVINGS BANK | 445,658,466.00 | 356,526,772.80 | 2,047,202,631.66 | 3.87% | ||||
| CHINA BANKING CORP | 2,923,249,111.15 | 2,338,599,288.92 | 77,160,827,684.31 | 3.91% | ||||
| SECURITY BANK CORP | 2,126,420,967.47 | 1,701,136,773.98 | 103,433,294,420.92 | 3.93% | ||||
| PHIL NATIONAL BANK | 9,026,087,102.44 | 7,220,869,681.95 | 108,897,226,069.70 | 4.19% | ||||
| METROPOLITAN BANK & TCO | 6,019,807,187.46 | 4,815,845,749.97 | 196,170,793,389.04 | 4.56% | ||||
| BDO UNIBANK INC | 17,044,080,200.52 | 13,635,264,160.42 | 297,368,799,872.86 | 4.64% | ||||
| ASIA UNITED BANK CORPORATION | 1,305,313,160.92 | 1,044,250,528.74 | 26,881,201,566.71 | 4.65% | ||||
| INTER-ASIA DEVELOPMENT BANK | 3,697,216.26 | 2,957,773.01 | 66,225,979.07 | 4.79% | ||||
| BUSINESS AND CONSUMERS BANK (A DB) | 8,282,870.65 | 6,626,296.52 | 86,584,808.97 | 4.87% | ||||
| DEVELOPMENT BANK OF THE PHIL | 5,910,318,428.03 | 4,728,254,742.42 | 46,947,591,646.19 | 4.87% | ||||
| AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED | 0.00 | 0.00 | 4,186,671,243.23 | 4.88% | ||||
| BANK OF COMMERCE | 1,905,183,563.38 | 1,524,146,850.70 | 15,746,839,708.73 | 5.03% | ||||
| BANK OF THE PHIL ISLANDS | 8,072,907,030.81 | 6,458,325,624.65 | 176,842,048,187.50 | 5.63% | ||||
| BANK OF CHINA LIMITED-MANILA BRANCH | 0.00 | 0.00 | 2,599,040,906.95 | 5.70% | ||||
| CTBC BANK (PHILIPPINES) CORP | 402,002,888.64 | 321,602,310.91 | 7,033,338,397.85 | 6.48% | ||||
| DEUTSCHE BANK AG | 0.00 | 0.00 | 2,455,572,028.55 | 6.52% | ||||
| LAND BANK OF THE PHILIPPINES | 6,599,423,137.92 | 5,279,538,510.34 | 104,596,154,345.94 | 6.67% | ||||
| PHIL TRUST COMPANY | 1,235,274,115.70 | 988,219,292.56 | 23,979,055,109.03 | 6.96% | ||||
| MEGA INT'L COMM'L BANK CO LTD | 0.00 | 0.00 | 1,916,692,903.11 | 6.97% | ||||
| CARD SME BANK INC A THRIFT BANK | 76,379,195.49 | 61,103,356.39 | 920,636,294.74 | 8.02% | ||||
| THE BNK OF TOKYO-MITSUBISHI UFJ LTD | 0.00 | 0.00 | 4,665,723,811.53 | 8.32% | ||||
| FARMERS SAVINGS & LOAN BANK INC | 18,781,070.83 | 15,024,856.66 | 132,992,180.75 | 8.81% | ||||
| FIRST CONSOLIDATED BANK INC (A PDB) | 386,608,203.74 | 309,286,562.99 | 4,316,778,086.78 | 8.96% | ||||
| MIZUHO BANK LTD - MANILA BRANCH | 0.00 | 0.00 | 5,465,333,964.66 | 9.88% | ||||
| MALAYAN BANK SAVINGS AND MORT BANK INC | 382,510,294.71 | 306,008,235.77 | 1,188,581,878.15 | 10.27% | ||||
| BANGKOK BANK PUBLIC CO LTD | 32,996,077.60 | 26,396,862.08 | 3,173,866,408.07 | 11.93% | ||||
| CITIBANK, N.A. | 932,256,279.91 | 745,805,023.93 | 18,544,182,580.79 | 17.40% | ||||
| METRO CEBU PUBLIC SAVINGS BANK | 9,340,189.11 | 7,472,151.29 | 57,052,632.86 | 20.11% | ||||
| THE PALAWAN BANK (PALAWAN DB) INC | 20,627,309.35 | 16,501,847.48 | 28,282,539.35 | 22.48% | ||||
| Grand Total | 138,018,055,845.20 | 110,414,444,676.16 | 1,666,089,199,719.15 | 3.74% | ||||
Source: www.bsp.gov.ph
Out of the five banks highlighted in yellow, three banks have been regularly listed as one of the "The Top Distressed Philippine Banks as of December 31, 2017".
The most
notable of the banks in this list is Philippine
Postal Savings Bank Inc. The bank faces a shortfall of 201.81% of its
stated
stockholder's equity of Php 842.00 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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