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Sunday, April 7, 2019

The Financial Strength of Philippine Banks according to BSP: From Weakest to Strongest - As of December 31, 2018

Editor's Note: This post has been updated to reflect new information on the BSP website. The number of non-reporting banks has decreased from 21 banks as of January 2, 2019 to just 8 banks as of April 1, 2019.
Editor's Note: According to the BSP website, www.bsp.gov.ph, a record 8 banks do not have Published Statements of Condition for the quarter ended on December 31, 2018. This comprises 8% of the 101 Philippine Universal and Commercial Banks (U/KBs) and Thrift Banks tracked by this blog. A google search reveals that these non-reporting banks are still operating and there has been no adverse news about them. So why have they gone dark?
The number of non-reporting banks has gone up substantially in 2018. As of March 31, 2018, only two banks failed to have their Published Statements of Condition available at the BSP website. On June 30, 2018, that number went up to six. On September 30, 2018, that number grew to 9. As of December 31, 2018, that number decreased by 1, to 8.
Have these banks opted-out from the required financial disclosures? It's not clear if they have done so. Apparently, banks can opt-out of mandatory public disclosure.
"Banks that do not want their statement of condition published must get approval from at least five members of the seven-man Monetary Board.2 The regulators themselves may also decide to exclude certain kinds of banks from mandatory public disclosure."

Not all of these banks are small banks, some of them are UKBs that are fairly substantial in size. Here's the list:


 
Philippine Banking System
Banks with No Published Statement of Condition
December 31, 2018






Bank Type of Bank Published Statement of Condition
BATAAN SAVINGS AND LOAN BANK Thrift Bank NA
CITY SAVINGS BANK INC Thrift Bank NA
MALASIQUI PROGRESSIVE SLB, INC Thrift Bank NA
MAXIMUM SAVINGS BANK Thrift Bank NA
OVERSEAS FILIPINO BANK Thrift Bank NA
PHILIPPINE VETERANS BANK U/KB NA
THE PALAWAN BANK (PALAWAN DB) INC Thrift Bank NA
UNITED COCONUT PLANTERS BANK U/KB NA



Let's hope that this is a mere glitch in the BSP website. Perhaps, their financial disclosures were improperly uploaded in the BSP website. Otherwise, the depositors have no means of evaluating the health of their bank other than what is disclosed in the individual bank's website or what is available in back-dated issues of obscure newspapers.


Capital Adequacy Ratios:
A bank's Capital Adequacy Ratio is a measure of a bank's capital and financial strength. BSP requires Philippine banks to measure their capital adequacy in at least three defined ratios:


  1. Total Capital Adequacy Ratio
  2. Tier One Capital Adequacy Ratio
  3. Common Tier One Adequacy Ratio.

For a more detailed understanding of these ratios, you can consult BSP's own implementation guidelines, Investopedia.com, or numerous past posts about this subject.

The basic idea behind these ratios is that the higher the ratio, the more solid the bank is in financial strength, the greater it's ability to absorb losses.  BSP's own minimum for most of these ratios is 6.00 but it generally recommends a minimum of 10.00, especially for large and more systemically important banks (those that are Too Big To Fail or TBTF for short).

In the aggregate, Philippine Universal and Commercial Banks are well capitalized. As of December 31, 2018, Total CAR is 15.44%, within the range of 15% to 20% of the last 31 years.





Every quarter, several Philippine Banks do not meet these guidelines. As of December 31, 2018, the banks that failed to meet BSP's recommended minimum capital requirements are as follows:


 TOTAL CAR:  



  1. Philippine Business Bank (Total CAR of 7.12)


TIER ONE CAR



Three banks reported Tier One CAR of 0.00 as of December 31, 2018. Of those that did report Tier One CAR greater than 0.00, three banks have less than the BSP-recommended Tier One CARs of 10.00. These banks are:


  1. Enterprise Bank Inc (Tier One CAR of 7.10)
  2. Sterling Bank of Asia (Tier One CAR of 7.14)
  3. Luzon Development Bank (Tier One CAR of 9.46)

COMMON EQUITY TIER ONE CAR


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.  Thirty-six banks reported their CET1 Ratio as 0.00 for December 31, 2018.


However, of those banks that did report a CET1 Ratio other than 0.00, no bank reported CET1 Ratios below BSP's recommended ratio.


The Total CAR, Tier 1 CAR, and Common Equity Tier 1 CAR of Philippine Banks as of December 31, 2018 is as follows:(Banks that do not meet BSP's minimum capital requirements are highlighted in yellow):
 
 
 
Philippine Banking System
TOTAL CAR
December 31, 2018









Bank Type of Bank Total CAR
PHILIPPINE BUSINESS BANK INC A SAVINGS BANK Thrift Bank 7.12
LUZON DEVELOPMENT BANK Thrift Bank 10.05
ENTERPRISE BANK INC (A THRIFT BANK) Thrift Bank 10.09
FARMERS SAVINGS & LOAN BANK INC Thrift Bank 10.75
EQUICOM SAVINGS BANK INC Thrift Bank 10.96
CHINA BANK SAVINGS INC Thrift Bank 11.34
MUFG BANK INC U/KB 11.40
STERLING BANK OF ASIA INC (A SAVINGS BANK) Thrift Bank 11.40
PHIL NATIONAL BANK U/KB 11.63
1st VALLEY BANK INC A DEVELOPMENT BANK Thrift Bank 11.74
FIRST CONSOLIDATED BANK INC (A PDB) Thrift Bank 12.27
LAND BANK OF THE  PHILIPPINES U/KB 12.65
PRODUCERS SAVINGS BANK CORPORATION Thrift Bank 12.67
EAST WEST BANKING CORP U/KB 12.77
RCBC SAVINGS BANK INC Thrift Bank 12.80
CHINA BANKING CORP U/KB 13.03
BDO UNIBANK INC U/KB 13.31
DEVELOPMENT BANK OF THE PHIL U/KB 13.66
PHIL SAVINGS BANK Thrift Bank 13.88
UCPB SAVINGS BANK Thrift Bank 13.91
MIZUHO BANK LTD - MANILA BRANCH U/KB 13.92
MAYBANK PHILIPPINES INC U/KB 14.38
PHIL BANK OF COMMUNICATIONS U/KB 14.50
BANK OF THE PHIL ISLANDS U/KB 14.82
ASIA UNITED BANK CORPORATION U/KB 14.92
ROBINSONS BANK CORPORATION U/KB 15.01
BANK OF COMMERCE U/KB 15.06
CITIBANK, N.A. U/KB 15.52
METRO CEBU PUBLIC SAVINGS BANK Thrift Bank 15.53
UNION BANK OF THE PHILS U/KB 15.57
METROPOLITAN BANK & TRUST CO U/KB 15.82
DEUTSCHE BANK AG U/KB 15.84
CITYSTATE SAVINGS BANK INC Thrift Bank 15.87
MALAYAN BANK SAVINGS AND MORT BANK INC Thrift Bank 16.30
CTBC BANK (PHILIPPINES) CORP U/KB 16.33
RIZAL COMM'L BANKING CORP U/KB 16.50
PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS Thrift Bank 17.42
BANGKO KABAYAN INC Thrift Bank 17.69
BPI FAMILY SAVINGS BANK INC Thrift Bank 17.75
SECURITY BANK CORP U/KB 17.89
CARD SME BANK INC A THRIFT BANK Thrift Bank 18.19
HONGKONG & SHANGHAI BANKING CORP U/KB 18.43
BDO PRIVATE BANK, INC. U/KB 18.52
STANDARD CHARTERED BANK U/KB 18.55
WEALTH DEVELOPMENT BANK CORPORATION Thrift Bank 18.97
ANZ BANKING GROUP LTD U/KB 19.17
PNB SAVINGS BANK Thrift Bank 20.40
BPI DIRECT BANKO INC Thrift Bank 20.87
BATAAN DEVELOPMENT BANK Thrift Bank 20.89
PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) Thrift Bank 20.99
SUN SAVINGS BANK INC Thrift Bank 21.70
HIYAS BANKING CORPORATION Thrift Bank 21.91
BANK OF MAKATI (A SAVINGS BANK) INC Thrift Bank 22.09
INTER-ASIA DEVELOPMENT BANK Thrift Bank 23.91
DUMAGUETE CITY DEV BANK INC Thrift Bank 25.51
BUSINESS AND CONSUMERS BANK (A DB) Thrift Bank 25.66
LIFE SAVINGS BANK INC Thrift Bank 26.24
MARITIME SAVINGS BANK CORPORATION Thrift Bank 27.65
KEB HANA BANK - MANILA BRANCH U/KB 27.69
JP MORGAN CHASE BANK NATIONAL ASSN. U/KB 28.13
LEGAZPI SAVINGS BANK INC Thrift Bank 29.16
UNIVERSITY SAVINGS BANK INC Thrift Bank 30.14
MEGA INT'L COMM'L BANK CO LTD U/KB 32.06
HSBC SAVINGS BANK PHILIPPINES Thrift Bank 33.14
QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK Thrift Bank 33.59
PHIL TRUST COMPANY U/KB 34.12
BANGKOK BANK PUBLIC CO LTD U/KB 34.67
MERCHANTS SAVINGS & LOAN ASSN INC Thrift Bank 35.40
LEMERY SAVINGS & LOAN BANK, INC. Thrift Bank 38.00
CORDILLERA SAVINGS BANK INC Thrift Bank 38.05
ING BANK N.V. U/KB 38.64
AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS U/KB 39.65
NORTHPOINT DEV'T BANK INC Thrift Bank 39.72
SUMITOMO MITSUI BANKING CORPORATION - MANILA BRANCH U/KB 39.78
YUANTA SAVINGS BANK PHILIPPINES INC Thrift Bank 41.59
BANK OF CHINA LIMITED U/KB 45.08
ALLBANK Thrift Bank 48.06
PAMPANGA DEVELOPMENT BANK Thrift Bank 52.70
BANK OF AMERICA N.A. U/KB 55.89
PACIFIC ACE SAVINGS BANK INC Thrift Bank 56.64
BANK ONE SAVINGS AND TRUST CORP. Thrift Bank 58.46
PHIL STAR DEVELOPMENT BANK INC Thrift Bank 70.18
QUEZON COCONUT BANK INC (A THRIFT BANK) Thrift Bank 70.39
INDUSTRIAL BANK OF KOREA MANILA BRANCH U/KB 71.10
SHINHAN BANK - MANILA BRANCH U/KB 74.00
CENTURY SAVINGS BANK CORPORATION Thrift Bank 76.45
ISLA BANK(A THRIFT BANK) INC Thrift Bank 119.53
UNITED OVERSEAS BANK LIMITED MANILA BRANCH U/KB 125.36
CATHAY UNITED BANK CO LTD - MANILA BRANCH U/KB 143.85
CIMB BANK PHILIPPINES INC U/KB 150.55
FIRST COMMERCIAL BANK U/KB 183.77
CHANG HWA COMMERCIAL BANK LTD – MANILA BRANCH U/KB 194.85
HUA NAN COMMERCIAL BANK LTD MANILA BRANCH U/KB 1,362.86
BATAAN SAVINGS AND LOAN BANK Thrift Bank NA
CITY SAVINGS BANK INC Thrift Bank NA
MALASIQUI PROGRESSIVE SLB, INC Thrift Bank NA
MAXIMUM SAVINGS BANK Thrift Bank NA
OVERSEAS FILIPINO BANK Thrift Bank NA
PHILIPPINE VETERANS BANK U/KB NA
THE PALAWAN BANK (PALAWAN DB) INC Thrift Bank NA
UNITED COCONUT PLANTERS BANK U/KB NA
 
Philippine Banking System
Tier One CAR
December 31, 2018









Bank Type of Bank Tier One CAR
ALLBANK Thrift Bank 0.00
INTER-ASIA DEVELOPMENT BANK Thrift Bank 0.00
MARITIME SAVINGS BANK CORPORATION Thrift Bank 0.00
ENTERPRISE BANK INC (A THRIFT BANK) Thrift Bank 7.10
STERLING BANK OF ASIA INC (A SAVINGS BANK) Thrift Bank 7.14
LUZON DEVELOPMENT BANK Thrift Bank 9.46
EAST WEST BANKING CORP U/KB 10.13
EQUICOM SAVINGS BANK INC Thrift Bank 10.28
CHINA BANK SAVINGS INC Thrift Bank 10.41
FARMERS SAVINGS & LOAN BANK INC Thrift Bank 10.75
MUFG BANK INC U/KB 10.77
DEVELOPMENT BANK OF THE PHIL U/KB 10.84
PHIL NATIONAL BANK U/KB 10.85
PHIL SAVINGS BANK Thrift Bank 11.27
MAYBANK PHILIPPINES INC U/KB 11.48
PHIL BANK OF COMMUNICATIONS U/KB 11.77
ASIA UNITED BANK CORPORATION U/KB 11.80
LAND BANK OF THE  PHILIPPINES U/KB 11.82
BDO UNIBANK INC U/KB 11.89
PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS Thrift Bank 11.96
CHINA BANKING CORP U/KB 12.10
RCBC SAVINGS BANK INC Thrift Bank 12.11
PRODUCERS SAVINGS BANK CORPORATION Thrift Bank 12.22
UNION BANK OF THE PHILS U/KB 12.71
MIZUHO BANK LTD - MANILA BRANCH U/KB 12.97
UCPB SAVINGS BANK Thrift Bank 13.18
RIZAL COMM'L BANKING CORP U/KB 13.24
METROPOLITAN BANK & TRUST CO U/KB 13.33
PHILIPPINE BUSINESS BANK INC A SAVINGS BANK Thrift Bank 13.92
BANK OF THE PHIL ISLANDS U/KB 13.96
BANK OF COMMERCE U/KB 14.06
ROBINSONS BANK CORPORATION U/KB 14.14
CITIBANK, N.A. U/KB 14.74
UNIVERSITY SAVINGS BANK INC Thrift Bank 15.07
DEUTSCHE BANK AG U/KB 15.17
CITYSTATE SAVINGS BANK INC Thrift Bank 15.38
CTBC BANK (PHILIPPINES) CORP U/KB 15.43
METRO CEBU PUBLIC SAVINGS BANK Thrift Bank 15.51
SECURITY BANK CORP U/KB 15.57
MALAYAN BANK SAVINGS AND MORT BANK INC Thrift Bank 15.80
BPI FAMILY SAVINGS BANK INC Thrift Bank 16.89
BANGKO KABAYAN INC Thrift Bank 16.90
CARD SME BANK INC A THRIFT BANK Thrift Bank 17.42
HONGKONG & SHANGHAI BANKING CORP U/KB 17.76
STANDARD CHARTERED BANK U/KB 17.93
WEALTH DEVELOPMENT BANK CORPORATION Thrift Bank 18.10
BDO PRIVATE BANK, INC. U/KB 18.35
ANZ BANKING GROUP LTD U/KB 18.98
1st VALLEY BANK INC A DEVELOPMENT BANK Thrift Bank 19.34
PNB SAVINGS BANK Thrift Bank 19.52
BPI DIRECT BANKO INC Thrift Bank 19.98
PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) Thrift Bank 20.22
BATAAN DEVELOPMENT BANK Thrift Bank 20.32
SUN SAVINGS BANK INC Thrift Bank 20.81
HIYAS BANKING CORPORATION Thrift Bank 21.56
BANK OF MAKATI (A SAVINGS BANK) INC Thrift Bank 22.09
BUSINESS AND CONSUMERS BANK (A DB) Thrift Bank 24.28
DUMAGUETE CITY DEV BANK INC Thrift Bank 25.08
LIFE SAVINGS BANK INC Thrift Bank 26.06
KEB HANA BANK - MANILA BRANCH U/KB 27.15
JP MORGAN CHASE BANK NATIONAL ASSN. U/KB 28.01
LEGAZPI SAVINGS BANK INC Thrift Bank 28.44
MEGA INT'L COMM'L BANK CO LTD U/KB 31.10
HSBC SAVINGS BANK PHILIPPINES Thrift Bank 32.43
QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK Thrift Bank 32.86
FIRST CONSOLIDATED BANK INC (A PDB) Thrift Bank 33.27
BANGKOK BANK PUBLIC CO LTD U/KB 33.70
PHIL TRUST COMPANY U/KB 33.79
MERCHANTS SAVINGS & LOAN ASSN INC Thrift Bank 34.79
CORDILLERA SAVINGS BANK INC Thrift Bank 37.54
LEMERY SAVINGS & LOAN BANK, INC. Thrift Bank 37.68
ING BANK N.V. U/KB 38.26
SUMITOMO MITSUI BANKING CORPORATION - MANILA BRANCH U/KB 38.81
AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS U/KB 38.93
NORTHPOINT DEV'T BANK INC Thrift Bank 39.19
YUANTA SAVINGS BANK PHILIPPINES INC Thrift Bank 41.59
BANK OF CHINA LIMITED U/KB 44.57
BANK OF AMERICA N.A. U/KB 55.68
PACIFIC ACE SAVINGS BANK INC Thrift Bank 56.19
BANK ONE SAVINGS AND TRUST CORP. Thrift Bank 57.87
QUEZON COCONUT BANK INC (A THRIFT BANK) Thrift Bank 69.64
PHIL STAR DEVELOPMENT BANK INC Thrift Bank 69.92
INDUSTRIAL BANK OF KOREA MANILA BRANCH U/KB 70.22
SHINHAN BANK - MANILA BRANCH U/KB 73.21
CENTURY SAVINGS BANK CORPORATION Thrift Bank 75.42
ISLA BANK(A THRIFT BANK) INC Thrift Bank 119.03
UNITED OVERSEAS BANK LIMITED MANILA BRANCH U/KB 124.53
CATHAY UNITED BANK CO LTD - MANILA BRANCH U/KB 142.92
CIMB BANK PHILIPPINES INC U/KB 150.55
FIRST COMMERCIAL BANK U/KB 183.10
CHANG HWA COMMERCIAL BANK LTD – MANILA BRANCH U/KB 194.85
PAMPANGA DEVELOPMENT BANK Thrift Bank 250.06
HUA NAN COMMERCIAL BANK LTD MANILA BRANCH U/KB 1,362.86
BATAAN SAVINGS AND LOAN BANK Thrift Bank NA
CITY SAVINGS BANK INC Thrift Bank NA
MALASIQUI PROGRESSIVE SLB, INC Thrift Bank NA
MAXIMUM SAVINGS BANK Thrift Bank NA
OVERSEAS FILIPINO BANK Thrift Bank NA
PHILIPPINE VETERANS BANK U/KB NA
THE PALAWAN BANK (PALAWAN DB) INC Thrift Bank NA
UNITED COCONUT PLANTERS BANK U/KB NA


Philippine Banking System
Common Tier 1 Ratio
December 31, 2018









Bank Type of Bank Common Tier 1 Ratio
ALLBANK Thrift Bank 0.00
BANGKO KABAYAN INC Thrift Bank 0.00
BANK OF MAKATI (A SAVINGS BANK) INC Thrift Bank 0.00
BANK ONE SAVINGS AND TRUST CORP. Thrift Bank 0.00
BATAAN DEVELOPMENT BANK Thrift Bank 0.00
CARD SME BANK INC A THRIFT BANK Thrift Bank 0.00
CENTURY SAVINGS BANK CORPORATION Thrift Bank 0.00
CITYSTATE SAVINGS BANK INC Thrift Bank 0.00
CORDILLERA SAVINGS BANK INC Thrift Bank 0.00
DUMAGUETE CITY DEV BANK INC Thrift Bank 0.00
ENTERPRISE BANK INC (A THRIFT BANK) Thrift Bank 0.00
EQUICOM SAVINGS BANK INC Thrift Bank 0.00
FARMERS SAVINGS & LOAN BANK INC Thrift Bank 0.00
HIYAS BANKING CORPORATION Thrift Bank 0.00
INTER-ASIA DEVELOPMENT BANK Thrift Bank 0.00
ISLA BANK(A THRIFT BANK) INC Thrift Bank 0.00
LEMERY SAVINGS & LOAN BANK, INC. Thrift Bank 0.00
LIFE SAVINGS BANK INC Thrift Bank 0.00
LUZON DEVELOPMENT BANK Thrift Bank 0.00
MALAYAN BANK SAVINGS AND MORT BANK INC Thrift Bank 0.00
MARITIME SAVINGS BANK CORPORATION Thrift Bank 0.00
METRO CEBU PUBLIC SAVINGS BANK Thrift Bank 0.00
NORTHPOINT DEV'T BANK INC Thrift Bank 0.00
PACIFIC ACE SAVINGS BANK INC Thrift Bank 0.00
PAMPANGA DEVELOPMENT BANK Thrift Bank 0.00
PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) Thrift Bank 0.00
PHIL STAR DEVELOPMENT BANK INC Thrift Bank 0.00
PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS Thrift Bank 0.00
PRODUCERS SAVINGS BANK CORPORATION Thrift Bank 0.00
QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK Thrift Bank 0.00
QUEZON COCONUT BANK INC (A THRIFT BANK) Thrift Bank 0.00
STERLING BANK OF ASIA INC (A SAVINGS BANK) Thrift Bank 0.00
SUN SAVINGS BANK INC Thrift Bank 0.00
UNIVERSITY SAVINGS BANK INC Thrift Bank 0.00
WEALTH DEVELOPMENT BANK CORPORATION Thrift Bank 0.00
YUANTA SAVINGS BANK PHILIPPINES INC Thrift Bank 0.00
EAST WEST BANKING CORP U/KB 10.13
CHINA BANK SAVINGS INC Thrift Bank 10.41
MUFG BANK INC U/KB 10.77
DEVELOPMENT BANK OF THE PHIL U/KB 10.84
PHIL NATIONAL BANK U/KB 10.85
PHIL SAVINGS BANK Thrift Bank 11.27
MAYBANK PHILIPPINES INC U/KB 11.48
BDO UNIBANK INC U/KB 11.65
PHIL BANK OF COMMUNICATIONS U/KB 11.77
ASIA UNITED BANK CORPORATION U/KB 11.80
LAND BANK OF THE  PHILIPPINES U/KB 11.82
CHINA BANKING CORP U/KB 12.10
RCBC SAVINGS BANK INC Thrift Bank 12.11
UNION BANK OF THE PHILS U/KB 12.71
MIZUHO BANK LTD - MANILA BRANCH U/KB 12.97
PHILIPPINE BUSINESS BANK INC A SAVINGS BANK Thrift Bank 12.99
UCPB SAVINGS BANK Thrift Bank 13.18
RIZAL COMM'L BANKING CORP U/KB 13.24
METROPOLITAN BANK & TRUST CO U/KB 13.33
BANK OF THE PHIL ISLANDS U/KB 13.96
BANK OF COMMERCE U/KB 14.06
ROBINSONS BANK CORPORATION U/KB 14.14
CITIBANK, N.A. U/KB 14.74
DEUTSCHE BANK AG U/KB 15.17
CTBC BANK (PHILIPPINES) CORP U/KB 15.43
SECURITY BANK CORP U/KB 15.57
BPI FAMILY SAVINGS BANK INC Thrift Bank 16.89
HONGKONG & SHANGHAI BANKING CORP U/KB 17.76
STANDARD CHARTERED BANK U/KB 17.93
BDO PRIVATE BANK, INC. U/KB 18.35
1st VALLEY BANK INC A DEVELOPMENT BANK Thrift Bank 18.96
ANZ BANKING GROUP LTD U/KB 18.98
PNB SAVINGS BANK Thrift Bank 19.52
BPI DIRECT BANKO INC Thrift Bank 19.98
BUSINESS AND CONSUMERS BANK (A DB) Thrift Bank 24.28
KEB HANA BANK - MANILA BRANCH U/KB 27.15
JP MORGAN CHASE BANK NATIONAL ASSN. U/KB 28.01
LEGAZPI SAVINGS BANK INC Thrift Bank 28.44
MEGA INT'L COMM'L BANK CO LTD U/KB 31.10
HSBC SAVINGS BANK PHILIPPINES Thrift Bank 32.43
FIRST CONSOLIDATED BANK INC (A PDB) Thrift Bank 33.39
BANGKOK BANK PUBLIC CO LTD U/KB 33.70
PHIL TRUST COMPANY U/KB 33.79
MERCHANTS SAVINGS & LOAN ASSN INC Thrift Bank 34.79
ING BANK N.V. U/KB 38.26
SUMITOMO MITSUI BANKING CORPORATION - MANILA BRANCH U/KB 38.81
AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS U/KB 38.93
BANK OF CHINA LIMITED U/KB 44.57
BANK OF AMERICA N.A. U/KB 55.68
INDUSTRIAL BANK OF KOREA MANILA BRANCH U/KB 70.22
SHINHAN BANK - MANILA BRANCH U/KB 73.21
UNITED OVERSEAS BANK LIMITED MANILA BRANCH U/KB 124.53
CATHAY UNITED BANK CO LTD - MANILA BRANCH U/KB 142.92
CIMB BANK PHILIPPINES INC U/KB 150.55
FIRST COMMERCIAL BANK U/KB 183.10
CHANG HWA COMMERCIAL BANK LTD – MANILA BRANCH U/KB 194.85
HUA NAN COMMERCIAL BANK LTD MANILA BRANCH U/KB 1,362.86
BATAAN SAVINGS AND LOAN BANK Thrift Bank NA
CITY SAVINGS BANK INC Thrift Bank NA
MALASIQUI PROGRESSIVE SLB, INC Thrift Bank NA
MAXIMUM SAVINGS BANK Thrift Bank NA
OVERSEAS FILIPINO BANK Thrift Bank NA
PHILIPPINE VETERANS BANK U/KB NA
THE PALAWAN BANK (PALAWAN DB) INC Thrift Bank NA
UNITED COCONUT PLANTERS BANK U/KB NA


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