| Philippine Banking System | ||||||||
| Impact on SE of Minimum Loan Loss Provisions | ||||||||
| December 31, 2018 | ||||||||
| Bank | Minimum Loan Loss Provisions at 80% NPL Coverage Ratio | Actual Loan Loss Provisions | Excess/Deficit Loan Loss Provisions | Stockholder's Equity | Impact on SE | |||
| D' ASIAN HILLS BANK INC (A RURAL BANK) | 128,549,320.51 | 162,642,653.42 | 34,093,332.91 | -21,170,305.70 | -161.04% | |||
| GRAND-AGRI RURAL BANK | 60,869,969.64 | 10,088,170.55 | -50,781,799.09 | 51,220,072.94 | -99.14% | |||
| LAGAWE HIGHLANDS RB INC | 41,122,226.35 | 17,612,753.56 | -23,509,472.79 | 50,354,859.85 | -46.69% | |||
| COOP BANK OF CAGAYAN | 78,004,057.89 | 55,136,475.94 | -22,867,581.95 | 57,690,468.59 | -39.64% | |||
| ENTREPRENEUR RB INC | 39,710,959.72 | 25,919,101.46 | -13,791,858.26 | 48,268,877.93 | -28.57% | |||
| AMA RURAL BANK OF MANDALUYONG INC | 417,953,588.38 | 154,372,964.62 | -263,580,623.76 | 968,931,583.53 | -27.20% | |||
| AGRIBUSINESS RURAL BANK INC | 387,622,605.60 | 165,835,623.00 | -221,786,982.60 | 858,653,908.03 | -25.83% | |||
| RB OF ALABEL (SARANGANI) INC | 34,314,515.75 | 15,347,625.97 | -18,966,889.78 | 95,456,388.41 | -19.87% | |||
| BENGUET CENTER BANK INC A RB | 22,441,894.81 | 12,076,759.51 | -10,365,135.30 | 52,366,917.44 | -19.79% | |||
| RB OF MIAGAO (ILOILO) INC | 35,060,260.58 | 17,298,952.02 | -17,761,308.56 | 90,973,140.02 | -19.52% | |||
| PLANBANK "RB OF CANLUBANG PLANTERS INC" | 65,099,593.63 | 42,671,518.80 | -22,428,074.83 | 117,562,233.24 | -19.08% | |||
| BANCO SANTIAGO DE LIBON INC | 42,854,403.30 | 25,343,906.16 | -17,510,497.14 | 93,178,402.38 | -18.79% | |||
| GOLDEN RURAL BANK OF THE PHILIPPINES INC | 20,895,178.75 | 9,508,706.89 | -11,386,471.86 | 63,780,978.64 | -17.85% | |||
| EAST WEST RURAL BANK INC | 991,501,691.68 | 367,276,368.12 | -624,225,323.56 | 4,085,074,782.50 | -15.28% | |||
| BALANGA RURAL BANK, INC. | 21,697,946.09 | 11,390,143.09 | -10,307,803.00 | 70,320,812.82 | -14.66% | |||
| COOPERATIVE BANK OF BOHOL | 49,093,910.77 | 39,213,773.85 | -9,880,136.92 | 75,107,040.24 | -13.15% | |||
| RB OF BAY INC | 15,283,409.15 | 7,299,662.61 | -7,983,746.54 | 64,352,777.35 | -12.41% | |||
| GM BANK OF LUZON INC (A RURAL BANK) | 198,429,841.54 | 148,404,961.66 | -50,024,879.88 | 416,937,112.51 | -12.00% | |||
| ALIAGA FARMERS RURAL BANK INC | 95,425,320.35 | 84,941,452.55 | -10,483,867.80 | 100,464,871.77 | -10.44% | |||
| LIBERTY BANK (A RURAL BANK) INC | 20,810,697.88 | 16,451,758.45 | -4,358,939.43 | 43,506,310.83 | -10.02% | |||
| RB OF MAGDALENA (LAGUNA) INC | 41,765,650.07 | 32,671,305.63 | -9,094,344.44 | 95,279,569.85 | -9.54% | |||
| BANGKO MABUHAY (A RURAL BANK) INC | 75,132,742.91 | 48,057,788.08 | -27,074,954.83 | 292,838,707.31 | -9.25% | |||
| METRO SOUTH COOP BANK | 243,464,750.62 | 178,660,629.11 | -64,804,121.51 | 773,292,565.89 | -8.38% | |||
| RB OF GENERAL TRIAS INC | 30,817,054.69 | 21,467,676.19 | -9,349,378.50 | 118,133,345.82 | -7.91% | |||
| SAVIOUR RURAL BANK INC | 25,042,296.55 | 18,648,792.82 | -6,393,503.73 | 82,792,097.55 | -7.72% | |||
| RB OF ITOGON (BENGUET) INC | 28,023,272.64 | 19,748,870.59 | -8,274,402.05 | 110,579,890.01 | -7.48% | |||
| BANGKO MONTANOSA INC (A RURAL BANK) | 19,788,293.57 | 12,136,118.96 | -7,652,174.61 | 106,555,253.84 | -7.18% | |||
| NEW RB OF SAN LEONARDO(N.E.) INC | 51,851,348.06 | 36,602,425.69 | -15,248,922.37 | 213,093,007.26 | -7.16% | |||
| RANG-AY BANK INC (A RURAL BANK) | 84,758,786.37 | 48,340,672.47 | -36,418,113.90 | 528,060,337.83 | -6.90% | |||
| RB OF CAUAYAN INC | 41,450,130.24 | 25,430,330.34 | -16,019,799.90 | 265,280,062.83 | -6.04% | |||
| SUMMIT BANK (RB OF TUBLAY INC) | 118,467,790.78 | 101,519,240.65 | -16,948,550.13 | 295,019,049.29 | -5.74% | |||
| RBG IMPERIAL BANK INC(A RURAL BANK) | 33,791,293.59 | 24,050,302.59 | -9,740,991.00 | 175,039,685.29 | -5.57% | |||
| RB OF DOLORES (QUEZON) INC | 6,733,155.11 | 3,004,947.88 | -3,728,207.23 | 76,113,924.51 | -4.90% | |||
| CEBUANA LHUILLIER RB INC | 19,405,776.46 | 12,706,509.93 | -6,699,266.53 | 145,107,833.92 | -4.62% | |||
| FIRST ISABELA COOP BANK INC(FICOBANK) | 125,967,536.50 | 83,068,693.59 | -42,898,842.91 | 945,631,727.73 | -4.54% | |||
| RB OF MARIA AURORA (AURORA) INC | 41,468,068.97 | 32,290,057.15 | -9,178,011.82 | 206,597,601.84 | -4.44% | |||
| MALLIG PLAINS RURAL BANK (ISABELA) INC | 17,888,103.24 | 12,580,524.53 | -5,307,578.71 | 124,023,771.33 | -4.28% | |||
| MOUNT MAKILING RURAL BANK INC | 40,194,807.55 | 26,709,517.60 | -13,485,289.95 | 322,059,465.17 | -4.19% | |||
| OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE RURAL BANK) | 15,712,298.43 | 12,262,860.16 | -3,449,438.27 | 84,690,659.49 | -4.07% | |||
| RB OF SAN LUIS (PAMPANGA) INC | 16,693,770.34 | 12,549,937.14 | -4,143,833.20 | 103,649,788.67 | -4.00% | |||
| MACTAN RURAL BANK (LAPU-LAPU CITY) INC | 38,073,144.62 | 31,099,280.35 | -6,973,864.27 | 181,765,729.46 | -3.84% | |||
| BHF RURAL BANK INC | 44,906,650.78 | 33,467,216.26 | -11,439,434.52 | 318,340,705.73 | -3.59% | |||
| RB OF PILAR (SORSOGON) INC | 14,222,571.26 | 11,636,588.85 | -2,585,982.41 | 72,501,328.32 | -3.57% | |||
| MVSM BANK (A RURAL BANK SINCE 1953) INC | 24,055,266.54 | 18,698,731.40 | -5,356,535.14 | 154,703,055.33 | -3.46% | |||
| PEOPLES BANK OF CARAGA INC (A RURAL BANK) | 311,118,531.95 | 306,682,396.53 | -4,436,135.42 | 130,375,456.27 | -3.40% | |||
| MALARAYAT RB INC | 31,543,845.10 | 26,330,776.28 | -5,213,068.82 | 175,598,205.18 | -2.97% | |||
| RB OF STA ROSA DE LIMA (PANIQUI TARLAC) INC | 19,605,799.59 | 14,948,963.63 | -4,656,835.96 | 160,319,944.21 | -2.90% | |||
| RB OF BAGABAG (N.V.)INC | 40,025,711.97 | 36,906,232.19 | -3,119,479.78 | 142,476,585.59 | -2.19% | |||
| NATIONAL TEACHERS & EMP. COOP BANK | 20,469,677.12 | 18,154,052.59 | -2,315,624.53 | 113,909,695.04 | -2.03% | |||
| RB OF PILAR (BATAAN) INC | 26,774,008.80 | 24,297,369.32 | -2,476,639.48 | 132,932,259.25 | -1.86% | |||
| INSULAR SAVERS BANK INC (A RURAL BANK) | 97,734,801.16 | 85,909,245.33 | -11,825,555.83 | 669,896,999.26 | -1.77% | |||
| COOP BANK OF QUEZON PROVINCE | 31,175,268.34 | 29,495,456.91 | -1,679,811.43 | 103,445,869.69 | -1.62% | |||
| RB OF SAN PASCUAL(OBANDO BULACAN)INC | 19,675,191.86 | 18,856,011.54 | -819,180.32 | 57,730,419.42 | -1.42% | |||
| CAMALIG BANK INC (A RURAL BANK) | 37,568,596.25 | 34,116,554.88 | -3,452,041.37 | 290,855,511.21 | -1.19% | |||
| RB OF MIDSAYAP INC | 8,899,962.74 | 8,131,943.18 | -768,019.56 | 93,267,451.20 | -0.82% | |||
| RB OF SOLANO (NUEVA VIZCAYA) INC | 18,447,153.96 | 17,938,819.41 | -508,334.55 | 187,279,487.12 | -0.27% | |||
| BOF INC (A RURAL BANK) | 68,111,114.68 | 68,062,179.17 | -48,935.51 | 586,581,940.42 | -0.01% | |||
| CAVITE UNITED RURAL BANK CORP | 22,122,212.51 | 22,370,382.70 | 248,170.19 | 388,046,995.00 | 0.06% | |||
| RB OF POLA (ORIENTAL MINDORO) INC | 39,709,482.90 | 40,015,329.62 | 305,846.72 | 288,398,943.57 | 0.11% | |||
| SUGBUANON RB INC | 23,455,445.58 | 23,558,415.58 | 102,970.00 | 89,920,205.77 | 0.11% | |||
| IMUS RURAL BANK INC | 9,458,363.37 | 9,913,978.76 | 455,615.39 | 218,468,149.08 | 0.21% | |||
| GUAGUA RURAL BANK INC | 135,393,364.78 | 140,250,669.34 | 4,857,304.56 | 1,026,552,006.80 | 0.47% | |||
| COMMON WEALTH RURAL BANK INC | 19,817,382.60 | 20,956,799.63 | 1,139,417.03 | 152,214,725.98 | 0.75% | |||
| INNOVATIVE BANK INC (A RURAL BANK) | 1,279,479.82 | 4,668,671.14 | 3,389,191.32 | 355,433,046.26 | 0.95% | |||
| CANTILAN BANK INC (A RURAL BANK) | 223,906,931.38 | 227,603,882.55 | 3,696,951.17 | 386,459,142.24 | 0.96% | |||
| LAGUNA PRESTIGE BANKING CORPORATION (A RURAL BANK) | 11,196,683.46 | 13,556,709.28 | 2,360,025.82 | 229,870,894.84 | 1.03% | |||
| RB OF CENTRAL PANGASINAN (BAYAMBANG) INC | 35,822,263.18 | 37,753,857.14 | 1,931,593.96 | 168,379,626.19 | 1.15% | |||
| FILIDIAN RURAL BANK OF ANTIPOLO INC | 5,785,247.82 | 8,032,029.88 | 2,246,782.06 | 142,763,158.92 | 1.57% | |||
| RB OF BAYOMBONG INC | 10,115,374.22 | 12,889,330.41 | 2,773,956.19 | 171,501,359.56 | 1.62% | |||
| COUNTRY BUILDERS BANK INC (A RURAL BANK) | 39,424,361.13 | 45,191,870.21 | 5,767,509.08 | 339,971,559.70 | 1.70% | |||
| RB OF POZORRUBIO INC | 16,376,127.22 | 16,919,271.54 | 543,144.32 | 28,989,541.23 | 1.87% | |||
| COOPERATIVE BANK OF NUEVA VIZCAYA | 26,570,166.78 | 28,393,743.80 | 1,823,577.02 | 93,990,997.02 | 1.94% | |||
| RB OF PANDI (BULACAN) INC | 12,950,103.31 | 17,807,984.78 | 4,857,881.47 | 244,218,002.63 | 1.99% | |||
| ARDCIBANK INC A RURAL BANK | 6,089,733.02 | 8,089,173.43 | 1,999,440.41 | 90,738,313.14 | 2.20% | |||
| RB OF GLORIA (OR MIN) INC | 2,442,382.72 | 4,772,647.47 | 2,330,264.75 | 101,730,561.02 | 2.29% | |||
| DUNGGANON BANK (A MICROFINANCE RURAL BANK) INC | 26,728,138.58 | 29,635,813.26 | 2,907,674.68 | 124,632,738.39 | 2.33% | |||
| QUEZON CAPITAL RB INC | 49,166,735.62 | 57,840,046.53 | 8,673,310.91 | 354,155,794.19 | 2.45% | |||
| MANOR BANK - A RURAL BANK CORP | 3,482,634.87 | 6,438,338.05 | 2,955,703.18 | 118,120,117.18 | 2.50% | |||
| RB OF BROOKE'S POINT (PALAWAN) INC | 1,802,546.95 | 4,404,030.46 | 2,601,483.51 | 102,953,952.33 | 2.53% | |||
| GUAGUA SAVERS BANK(A RB) INC | 8,466,773.07 | 10,460,371.42 | 1,993,598.35 | 74,208,523.32 | 2.69% | |||
| NORTH PACIFIC BANKING CORPORATION (A RB OF STA MARIA ISABELA | 5,041,763.66 | 6,980,472.60 | 1,938,708.94 | 67,935,933.61 | 2.85% | |||
| RBT BANK INC A RURAL BANK | 6,685,255.93 | 13,283,976.72 | 6,598,720.79 | 227,890,983.61 | 2.90% | |||
| BANGKO CARRASCAL INC (A RB) | 6,510,995.09 | 9,311,822.23 | 2,800,827.14 | 93,117,362.46 | 3.01% | |||
| RB OF PORAC (PAMPANGA) INC | 40,031,451.58 | 49,045,037.39 | 9,013,585.81 | 288,374,249.27 | 3.13% | |||
| BANCO LAGUNA INC (A RURAL BANK SINCE 1965) | 21,101,427.18 | 24,994,121.31 | 3,892,694.13 | 114,090,068.22 | 3.41% | |||
| STA MARIA RURAL BANK INC | 2,742,466.53 | 5,408,692.40 | 2,666,225.87 | 76,714,913.66 | 3.48% | |||
| RB OF DULAG (LEYTE) INC | 9,386,449.38 | 13,215,360.44 | 3,828,911.06 | 105,911,839.10 | 3.62% | |||
| LIFEBANK- A RURAL BANK | 8,567,799.61 | 19,045,803.50 | 10,478,003.89 | 274,672,275.93 | 3.81% | |||
| HIGHLAND RURAL BANK INC | 13,979,256.71 | 19,749,937.35 | 5,770,680.64 | 149,273,768.86 | 3.87% | |||
| RB OF MONTALBAN INC | 2,693,466.19 | 5,160,255.06 | 2,466,788.87 | 58,986,081.18 | 4.18% | |||
| CARD MRI RIZAL BANK INC A MICROFINANCE-ORIENTED RURAL BANK | 37,893,197.06 | 71,922,426.22 | 34,029,229.16 | 784,541,991.59 | 4.34% | |||
| RB OF ANGELES INC | 86,127,357.79 | 110,054,247.30 | 23,926,889.51 | 521,704,137.65 | 4.59% | |||
| CARD BANK INC (A MF RB) | 164,500,666.43 | 326,698,254.52 | 162,197,588.09 | 3,529,747,799.20 | 4.60% | |||
| RB OF STA IGNACIA INC | 1,829,198.31 | 7,716,485.19 | 5,887,286.88 | 126,095,459.07 | 4.67% | |||
| RB OF ANTIPOLO INC | 13,132,973.02 | 17,852,534.19 | 4,719,561.17 | 98,712,952.97 | 4.78% | |||
| RB OF LEBAK (SULTAN KUDARAT) INC | 31,083,200.14 | 34,651,708.90 | 3,568,508.76 | 74,008,392.12 | 4.82% | |||
| RB OF ROSARIO (LA UNION) INC | 2,730,213.02 | 5,853,952.39 | 3,123,739.37 | 64,697,042.03 | 4.83% | |||
| RB OF DIGOS INC | 21,924,138.78 | 31,993,694.25 | 10,069,555.47 | 199,320,808.97 | 5.05% | |||
| ONE NETWORK BANK INC (A RURAL BANK OF BDO) | 1,700,516,136.88 | 1,942,880,561.62 | 242,364,424.74 | 4,715,371,307.50 | 5.14% | |||
| ASPAC RURAL BANK INC | 80,004,881.01 | 93,270,513.39 | 13,265,632.38 | 241,274,684.11 | 5.50% | |||
| BANKWAYS INC (A RURAL BANK) | 23,956,587.75 | 35,835,788.90 | 11,879,201.15 | 214,812,598.66 | 5.53% | |||
| FIRST TAGUM RURAL BANK INC | 41,314,712.91 | 57,390,748.78 | 16,076,035.87 | 288,730,363.97 | 5.57% | |||
| RB OF PARACALE(CAMARINES NORTE) INC | 18,845,007.54 | 24,105,176.39 | 5,260,168.85 | 91,491,084.84 | 5.75% | |||
| SECURED BANK INC (A RB) | 13,495,955.94 | 20,729,485.55 | 7,233,529.61 | 121,198,253.16 | 5.97% | |||
| RB OF BARILI (CEBU) INC | 19,667,616.53 | 41,633,501.43 | 21,965,884.90 | 357,732,453.91 | 6.14% | |||
| TANAY RB INC | 165,204,657.89 | 180,363,310.20 | 15,158,652.31 | 227,874,638.48 | 6.65% | |||
| RURAL BANK OF PLACER (SURIGAO DEL NORTE) INC | 29,179,046.26 | 36,707,016.93 | 7,527,970.67 | 107,134,714.09 | 7.03% | |||
| RNG COASTAL BANK INC(A RURAL BANK) | 6,177,580.67 | 17,629,252.45 | 11,451,671.78 | 155,507,600.18 | 7.36% | |||
| MT CARMEL RURAL BANK INC | 175,574,734.80 | 192,204,097.46 | 16,629,362.66 | 224,416,671.16 | 7.41% | |||
| KATIPUNAN BANK INC "A RURAL BANK" | 18,427,896.94 | 52,822,332.89 | 34,394,435.95 | 449,980,622.11 | 7.64% | |||
| ILOCOS CONSOLIDATED COOPERATIVE BANK | 56,815,374.42 | 72,798,755.46 | 15,983,381.04 | 200,869,399.17 | 7.96% | |||
| RB OF JAEN INC | 5,099,764.18 | 9,234,067.79 | 4,134,303.61 | 50,072,269.26 | 8.26% | |||
| COMMTY RB OF CATMON (CEBU) INC | 31,696,052.67 | 39,472,886.65 | 7,776,833.98 | 90,632,940.06 | 8.58% | |||
| RB OF RIZAL (ZAMBOANGA DEL NORTE) INC | 11,623,157.90 | 24,903,722.37 | 13,280,564.47 | 153,202,289.93 | 8.67% | |||
| VILLAGE BANK INC (A RURAL BANK) | 30,296,657.54 | 36,467,491.18 | 6,170,833.64 | 70,993,367.38 | 8.69% | |||
| RB OF DUMANGAS INC | 9,660,041.72 | 17,820,297.64 | 8,160,255.92 | 86,323,237.34 | 9.45% | |||
| SOUTH BANK (A RURAL BANK) INC | 22,239,509.67 | 29,347,532.83 | 7,108,023.16 | 71,670,510.50 | 9.92% | |||
| RB OF GUINOBATAN INC | 14,461,829.25 | 24,690,405.01 | 10,228,575.76 | 99,286,991.28 | 10.30% | |||
| RB OF GATTARAN (CAGAYAN) INC | 20,589,051.02 | 29,639,780.53 | 9,050,729.51 | 87,406,445.48 | 10.35% | |||
| RB OF CARDONA (RIZAL) INC | 58,282,863.67 | 68,912,910.65 | 10,630,046.98 | 98,596,036.74 | 10.78% | |||
| GATEWAY RURAL BANK INC | 18,106,176.65 | 28,178,813.44 | 10,072,636.79 | 93,299,976.03 | 10.80% | |||
| COOP BANK OF COTABATO | 63,248,933.79 | 130,044,526.03 | 66,795,592.24 | 604,954,266.13 | 11.04% | |||
| CONSOLIDATED COOPERATIVE BANK | 342,077,325.56 | 369,565,210.42 | 27,487,884.86 | 241,882,780.76 | 11.36% | |||
| CENTURY RURAL BANK INC | 5,579,758.06 | 14,009,123.00 | 8,429,364.94 | 70,933,244.98 | 11.88% | |||
| COOP BANK OF BENGUET (CBB) | 55,781,892.88 | 61,436,922.85 | 5,655,029.97 | 44,263,720.86 | 12.78% | |||
| RB OF MARAGONDON INC | 24,596,350.67 | 30,807,425.10 | 6,211,074.43 | 46,891,569.19 | 13.25% | |||
| RURAL BANK OF SAN ANTONIO INC | 31,367,693.06 | 51,221,501.93 | 19,853,808.87 | 146,781,367.52 | 13.53% | |||
| RB OF TANGUB CITY (MIS OCC) INC | 25,461,112.45 | 37,395,873.88 | 11,934,761.43 | 85,843,919.76 | 13.90% | |||
| RB OF SAN MATEO(ISABELA) INC | 16,587,481.24 | 31,833,485.80 | 15,246,004.56 | 109,125,303.56 | 13.97% | |||
| RB OF BAMBANG (NUEVA VIZCAYA) INC | 34,108,191.53 | 48,671,473.53 | 14,563,282.00 | 98,798,026.60 | 14.74% | |||
| COMMTY RB OF DAPITAN CITY INC | 33,859,200.81 | 50,350,694.86 | 16,491,494.05 | 111,425,725.79 | 14.80% | |||
| MARAYO BANK INC (A RURAL BANK) | 34,822,255.66 | 128,502,381.84 | 93,680,126.18 | 570,231,488.06 | 16.43% | |||
| RB OF MABALACAT INC | 34,745,685.35 | 45,010,766.01 | 10,265,080.66 | 59,901,107.13 | 17.14% | |||
| PBCOM RURAL BANK INC | 333,717,076.64 | 444,105,521.78 | 110,388,445.14 | 477,024,660.97 | 23.14% | |||
| PROGRESSIVE BANK INC (PROGRESSIVE A RURAL BANK INC) | 90,911,044.62 | 108,249,860.53 | 17,338,815.91 | 73,083,839.47 | 23.72% | |||
| RB OF MABITAC (LAGUNA) INC | 68,996,762.70 | 77,893,277.82 | 8,896,515.12 | 23,978,742.46 | 37.10% | |||
| VALIANT BANK INC (A RURAL BANK) | 160,568,119.72 | 222,031,938.64 | 61,463,818.92 | 79,178,165.58 | 77.63% | |||
| Grand Total | 9,832,753,005.66 | 9,428,702,913.65 | -404,050,092.01 | 39,308,541,019.47 | -1.03% | |||
Source: www.bsp.gov.ph
All three banks highlighted in yellow have been flagged as one of the "The Top Distressed Philippine Rural and Cooperative Banks as of December 31, 2018 ".
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