Please note that the overall ratio of 121.70% is still way above the borderline level of 100%. This ratio has been skewed upward by the presence of around 25 thrift banks that are above the 100% borderline level. Although levels have improved somewhat, most of the banks that were borderline insolvent as of December 31, 2010 still remained borderline insolvent as of March 31, 2011. The borderline banks that exhibited a significant drop in their Total Distressed Assets/Total Capital Cushion Ratios include Legaspi Savings Bank (20.3% drop) and City Savings Bank (32.4% drop). The borderline banks that exhibited a significant increase in this ratio include CityState Savings Bank (342.9% increase), and the now defunct LBC Development Bank (24.0% increase).
| Philippine Thrift Banking System | ||||
| Total Distressed Assets/ Total Capital Cushion | ||||
| December 31, 2010 to March 31, 2011 | ||||
| December 31, 2010 | March 31, 2011 | Variance | % Variance | |
| CityState Savings Bank | 39.18% | 173.56% | 134.37% | 342.94% |
| BPI Globe Bank Inc. Savings Bank | 5.38% | 8.32% | 2.94% | 54.78% |
| LBC Development Bank | 567.42% | 703.67% | 136.25% | 24.01% |
| Opportunity Microfinance Bank | 129.43% | 152.68% | 23.26% | 17.97% |
| Maritime SLA Inc. | 19.95% | 23.43% | 3.48% | 17.44% |
| Citibank Savings Inc. | 91.00% | 99.06% | 8.06% | 8.86% |
| Hiyas Savings & Loan Bank | 156.01% | 167.25% | 11.24% | 7.21% |
| GSIS Family Bank | 286.92% | 306.51% | 19.59% | 6.83% |
| Dumaguete City Development Bank | 132.38% | 140.79% | 8.41% | 6.35% |
| Bataan SLA | 10.98% | 11.57% | 0.59% | 5.38% |
| Malayan Bank Savings & Mortgage Bank | 103.44% | 108.84% | 5.40% | 5.22% |
| Century Savings Bank | 2.81% | 2.93% | 0.13% | 4.46% |
| Iloilo City Development Bank | 283.69% | 294.71% | 11.02% | 3.89% |
| United Overseas Bank Philippines | 68.26% | 70.78% | 2.52% | 3.70% |
| Bataan Development Bank | 226.07% | 233.55% | 7.48% | 3.31% |
| China Bank Savings | 381.64% | 392.93% | 11.28% | 2.96% |
| Microfinance Maximum SB (Maxbank) | 49.89% | 51.30% | 1.41% | 2.82% |
| Progress SLA | 6.59% | 6.70% | 0.11% | 1.70% |
| Northpoint Development Bank | 45.22% | 45.72% | 0.50% | 1.10% |
| Luzon Development Bank | 103.77% | 104.48% | 0.71% | 0.69% |
| UCPB Savings Bank | 43.21% | 43.42% | 0.21% | 0.48% |
| Cordillera Savings Bank | 72.68% | 72.96% | 0.28% | 0.38% |
| Malasiqui Progressive SLB | 36.32% | 36.31% | -0.01% | -0.03% |
| Pacific Ace Savings Bank | 18.87% | 18.83% | -0.04% | -0.21% |
| Metro Cebu Public Savings Bank | 87.66% | 87.44% | -0.22% | -0.25% |
| Sampaguita SLA, Inc. | 54.38% | 54.00% | -0.39% | -0.71% |
| Isla bank (A Thrift Bank) Inc. | 9.02% | 8.95% | -0.07% | -0.77% |
| Business & Consumers Bank A DB | 185.14% | 183.31% | -1.83% | -0.99% |
| Dungganon Bank | 112.33% | 111.01% | -1.31% | -1.17% |
| Village SLA | 823.93% | 813.24% | -10.69% | -1.30% |
| University SLA | 154.21% | 151.59% | -2.62% | -1.70% |
| Pridestar Development Bank | 61.47% | 60.30% | -1.17% | -1.90% |
| Optimum Development Bank | 21.28% | 20.80% | -0.48% | -2.26% |
| Premiere Development Bank | 143.89% | 140.05% | -3.84% | -2.67% |
| Equicom Savings Bank | 149.92% | 145.38% | -4.54% | -3.03% |
| Wealth Bank | 80.48% | 78.00% | -2.49% | -3.09% |
| Pampanga Development Bank | 73.19% | 70.33% | -2.87% | -3.92% |
| Allied Savings Bank | 36.47% | 35.04% | -1.43% | -3.92% |
| BDO Elite Savings Bank | 6.62% | 6.35% | -0.27% | -4.11% |
| Tong Yang Savings Bank Inc. | 79.85% | 76.31% | -3.54% | -4.43% |
| EIB Savings Bank Inc. | 9.18% | 8.66% | -0.52% | -5.70% |
| Lemery Savings & Loan Bank, Inc. | 48.16% | 45.40% | -2.76% | -5.74% |
| Planters Development Bank | 344.85% | 322.90% | -21.95% | -6.36% |
| Philippine Postal Savings Bank | 111.34% | 103.29% | -8.05% | -7.23% |
| Philippine Savings Bank | 83.15% | 76.58% | -6.57% | -7.90% |
| Real Bank (A Thrift Bank) Inc. | 868.10% | 788.74% | -79.36% | -9.14% |
| Life Savings Bank | 59.44% | 53.51% | -5.93% | -9.98% |
| Sterling Bank of Asia Inc. (A SB) | 50.13% | 44.70% | -5.43% | -10.83% |
| Producers Savings Bank Corporation | 102.49% | 91.05% | -11.44% | -11.16% |
| Farmers Savings and Loan Association | 228.64% | 202.55% | -26.09% | -11.41% |
| The Palawan Development Bank | 513.90% | 449.30% | -64.60% | -12.57% |
| BPI Family Savings Bank | 92.13% | 79.26% | -12.86% | -13.96% |
| RCBC Savings Bank Inc. | 166.80% | 140.74% | -26.06% | -15.63% |
| First Consolidated Bank Inc. | 75.89% | 63.11% | -12.79% | -16.85% |
| HSBC Savings Bank (Philippines) Inc. | 16.15% | 13.31% | -2.84% | -17.60% |
| Quezon Coconut Producers SLB | 44.00% | 35.97% | -8.03% | -18.25% |
| Merchants Savings & Loan Association | 6.31% | 5.14% | -1.17% | -18.58% |
| Robinsons Savings Bank | 50.59% | 40.56% | -10.03% | -19.83% |
| Legaspi Savings Bank | 2170.01% | 1730.43% | -439.58% | -20.26% |
| Liberty Savings & Loan | 87.06% | 69.29% | -17.77% | -20.41% |
| BPI Direct Savings Bank | 20.02% | 15.39% | -4.63% | -23.15% |
| Tower Development Bank | 75.62% | 57.03% | -18.59% | -24.58% |
| City Savngs Bank | 769.30% | 520.21% | -249.09% | -32.38% |
| Philippine Business Bank | 98.94% | 66.34% | -32.60% | -32.95% |
| World Partners Bank | 59.37% | 38.05% | -21.32% | -35.91% |
| Bank One Savings and Trust Corp. | 20.00% | 12.25% | -7.75% | -38.75% |
| The Queen City Development Bank | 37.85% | 22.25% | -15.60% | -41.21% |
Non-borderline banks that exhibited the greatest improvements in their ratios were as follows;
- Liberty Savings & Loan
- BPI Direct Savings Bank
- Tower Development Bank
- Philippine Business Bank
- World Partners Bank
- Bank One Savings and Trust Corp.
- The Queen City Development Bank
Non-borderline banks that exhibited significant deteriorations in their ratios were as follows:
- BPI Globe Bank Inc. Savings Bank
- Maritime SLA Inc.
Philippine
Thrift Banking System
|
|||||||||||
Total
Distressed Assets/ Total Capital Cushion
|
|||||||||||
December
31, 2010 to March 31, 2011
|
|||||||||||
December
31, 2010
|
March
31, 2011
|
Variance
|
|||||||||
Total
Distressed Assets (In PHP)1
|
Total
Capital Cushion (In PHP)2
|
Distressed
Assets/ Total Capital Cushion (In %)3
|
Total
Distressed Assets (In PHP)1
|
Total
Capital Cushion (In PHP)2
|
Distressed
Assets/ Total Capital Cushion (In %)3
|
Total
Distressed Assets (In PHP)1
|
Total
Capital Cushion (In PHP)2
|
Distressed
Assets/ Total Capital Cushion (In %)3
|
|||
Legaspi
Savings Bank
|
790,787,568.23
|
36,441,639.05
|
2170.01%
|
798,630,111.18
|
46,152,061.13
|
1730.43%
|
7,842,542.95
|
9,710,422.08
|
-439.58%
|
||
Village
SLA
|
577,043,128.17
|
70,035,289.50
|
823.93%
|
593,227,159.00
|
72,946,206.19
|
813.24%
|
16,184,030.83
|
2,910,916.69
|
-10.69%
|
||
Real
Bank (A Thrift Bank) Inc.
|
9,954,853,974.90
|
1,146,746,391.09
|
868.10%
|
9,851,599,352.69
|
1,249,036,156.19
|
788.74%
|
-103,254,622.21
|
102,289,765.10
|
-79.36%
|
||
LBC
Development Bank
|
4,048,655,003.33
|
713,516,676.64
|
567.42%
|
5,038,581,463.69
|
716,044,399.24
|
703.67%
|
989,926,460.36
|
2,527,722.60
|
136.25%
|
||
City
Savngs Bank
|
6,911,180,484.23
|
898,376,680.13
|
769.30%
|
7,041,887,200.09
|
1,353,669,542.94
|
520.21%
|
130,706,715.86
|
455,292,862.81
|
-249.09%
|
||
The
Palawan Development Bank
|
109,060,886.46
|
21,222,213.57
|
513.90%
|
96,953,206.81
|
21,578,520.32
|
449.30%
|
-12,107,679.65
|
356,306.75
|
-64.60%
|
||
China
Bank Savings
|
2,703,868,715.65
|
708,478,836.05
|
381.64%
|
2,779,893,794.60
|
707,482,430.32
|
392.93%
|
76,025,078.95
|
-996,405.73
|
11.28%
|
||
Planters
Development Bank
|
13,204,820,165.74
|
3,829,162,254.99
|
344.85%
|
13,533,950,955.06
|
4,191,355,884.93
|
322.90%
|
329,130,789.32
|
362,193,629.94
|
-21.95%
|
||
GSIS
Family Bank
|
2,108,934,873.50
|
735,035,754.66
|
286.92%
|
2,215,126,011.31
|
722,703,846.64
|
306.51%
|
106,191,137.81
|
-12,331,908.02
|
19.59%
|
||
Iloilo
City Development Bank
|
164,491,227.09
|
57,982,389.96
|
283.69%
|
177,436,124.14
|
60,206,324.58
|
294.71%
|
12,944,897.05
|
2,223,934.62
|
11.02%
|
||
Bataan
Development Bank
|
157,591,208.54
|
69,709,822.28
|
226.07%
|
166,967,608.04
|
71,491,113.71
|
233.55%
|
9,376,399.50
|
1,781,291.43
|
7.48%
|
||
Farmers
Savings and Loan Association
|
255,557,581.90
|
111,770,882.28
|
228.64%
|
232,836,973.06
|
114,952,036.06
|
202.55%
|
-22,720,608.84
|
3,181,153.78
|
-26.09%
|
||
Business
& Consumers Bank A DB
|
142,609,963.06
|
77,028,484.73
|
185.14%
|
145,179,649.34
|
79,199,417.20
|
183.31%
|
2,569,686.28
|
2,170,932.47
|
-1.83%
|
||
CityState
Savings Bank
|
315,909,914.49
|
806,239,256.05
|
39.18%
|
1,400,328,486.11
|
806,839,256.05
|
173.56%
|
1,084,418,571.62
|
600,000.00
|
134.37%
|
||
Hiyas
Savings & Loan Bank
|
247,645,321.52
|
158,736,197.28
|
156.01%
|
265,452,938.70
|
158,711,645.03
|
167.25%
|
17,807,617.18
|
-24,552.25
|
11.24%
|
||
Opportunity
Microfinance Bank
|
175,764,860.63
|
135,802,109.03
|
129.43%
|
192,736,268.36
|
126,233,191.43
|
152.68%
|
16,971,407.73
|
-9,568,917.60
|
23.26%
|
||
University
SLA
|
355,031,641.89
|
230,220,475.89
|
154.21%
|
365,424,986.56
|
241,060,100.32
|
151.59%
|
10,393,344.67
|
10,839,624.43
|
-2.62%
|
||
Equicom
Savings Bank
|
704,023,800.85
|
469,594,025.42
|
149.92%
|
654,064,843.08
|
449,902,880.38
|
145.38%
|
-49,958,957.77
|
-19,691,145.04
|
-4.54%
|
||
Dumaguete
City Development Bank
|
271,148,295.04
|
204,824,439.66
|
132.38%
|
272,395,329.87
|
193,474,401.90
|
140.79%
|
1,247,034.83
|
-11,350,037.76
|
8.41%
|
||
RCBC
Savings Bank Inc.
|
10,930,316,206.04
|
6,552,835,277.90
|
166.80%
|
10,694,840,952.48
|
7,599,027,233.14
|
140.74%
|
-235,475,253.56
|
1,046,191,955.24
|
-26.06%
|
||
Premiere
Development Bank
|
1,313,359,662.84
|
912,783,669.96
|
143.89
|
1,287,037,216.65
|
918,978,255.91
|
140.05%
|
-26,322,446.19
|
6,194.585.95
|
-3.83%
|
||
Dungganon
Bank
|
66,486,816.72
|
59,191,429.00
|
112.33%
|
67,114,414.83
|
60,457,554.56
|
111.01%
|
627,598.11
|
1,266,125.56
|
-1.31%
|
||
Malayan
Bank Savings & Mortgage Bank
|
1,036,493,541.66
|
1,002,030,653.05
|
103.44%
|
1,085,088,462.39
|
996,941,501.60
|
108.84%
|
48,594,920.73
|
-5,089,151.45
|
5.40%
|
||
Luzon
Development Bank
|
436,163,079.47
|
420,334,380.17
|
103.77%
|
477,413,342.50
|
456,953,152.00
|
104.48%
|
41,250,263.03
|
36,618,771.83
|
0.71%
|
||
Philippine
Postal Savings Bank
|
590,501,600.10
|
530,342,731.83
|
111.34%
|
571,294,747.74
|
553,099,431.39
|
103.29%
|
-19,206,852.36
|
22,756,699.56
|
-8.05%
|
||
Citibank
Savings Inc.
|
3,606,546,835.07
|
3,963,330,681.74
|
91.00%
|
3,641,378,536.57
|
3,675,927,419.81
|
99.06%
|
34,831,701.50
|
-287,403,261.93
|
8.06%
|
||
Producers
Savings Bank Corporation
|
435,368,499.59
|
424,781,801.37
|
102.49%
|
481,179,954.20
|
528,456,241.18
|
91.05%
|
45,811,454.61
|
103,674,439.81
|
-11.44%
|
||
Metro
Cebu Public Savings Bank
|
62,681,149.84
|
71,505,839.15
|
87.66%
|
63,055,090.72
|
72,112,596.25
|
87.44%
|
373,940.88
|
606,757.10
|
-0.22%
|
||
BPI
Family Savings Bank
|
11,502,835,442.66
|
12,485,535,541.67
|
92.13%
|
11,775,508,662.49
|
14,855,958,256.88
|
79.26%
|
272,673,219.83
|
2,370,422,715.21
|
-12.86%
|
||
Wealth
Bank
|
308,872,937.46
|
383,780,751.22
|
80.48%
|
299,330,539.41
|
383,780,751.22
|
78.00%
|
-9,542,398.05
|
0.00
|
-2.49%
|
||
Philippine
Savings Bank
|
10,683,005,572.25
|
12,847,187,428.93
|
83.15%
|
10,860,177,427.02
|
14,180,778,447.16
|
76.58%
|
177,171,854.77
|
1,333,591,018.23
|
-6.57%
|
||
Tong
Yang Savings Bank Inc.
|
344,928,566.28
|
431,990,127.62
|
79.85%
|
338,576,606.94
|
443,685,592.60
|
76.31%
|
-6,351,959.34
|
11,695,464.98
|
-3.54%
|
||
Cordillera
Savings Bank
|
86,778,100.36
|
119,389,723.48
|
72.68%
|
86,502,732.68
|
118,556,006.75
|
72.96%
|
-275,367.68
|
-833,716.73
|
0.28%
|
||
United
Overseas Bank Philippines
|
1,003,700,326.61
|
1,470,393,906.97
|
68.26%
|
1,040,712,097.34
|
1,470,262,516.31
|
70.78%
|
37,011,770.73
|
-131,390.66
|
2.52%
|
||
Pampanga
Development Bank
|
81,967,250.32
|
111,985,923.34
|
73.19%
|
82,510,420.65
|
117,322,641.41
|
70.33%
|
543,170.33
|
5,336,718.07
|
-2.87%
|
||
Liberty
Savings & Loan
|
43,654,225.43
|
50,143,836.27
|
87.06%
|
41,524,004.44
|
59,928,329.41
|
69.29%
|
-2,130,220.99
|
9,784,493.14
|
-17.77%
|
||
Philippine
Business Bank
|
1,884,264,957.92
|
1,904,439,283.82
|
98.94%
|
1,841,274,990.78
|
2,775,632,541.34
|
66.34%
|
-42,989,967.14
|
871,193,257.52
|
-32.60%
|
||
First
Consolidated Bank Inc.
|
1,034,951,184.84
|
1,363,683,144.87
|
75.89%
|
981,161,467.18
|
1,554,784,769.47
|
63.11%
|
-53,789,717.66
|
191,101,624.60
|
-12.79%
|
||
Pridestar
Development Bank
|
44,016,527.30
|
71,601,171.40
|
61.47%
|
42,817,731.41
|
71,002,884.05
|
60.30%
|
-1,198,795.89
|
-598,287.35
|
-1.17%
|
||
Tower
Development Bank
|
79,350,494.02
|
104,939,329.22
|
75.62%
|
59,849,277.51
|
104,945,435.32
|
57.03%
|
-19,501,216.51
|
6,106.10
|
-18.59%
|
||
Sampaguita
SLA, Inc.
|
38,657,771.38
|
71,082,533.12
|
54.38%
|
38,645,789.03
|
71,570,976.34
|
54.00%
|
-11,982.35
|
488,443.22
|
-0.39%
|
||
Life
Savings Bank
|
35,172,000.07
|
59,167,925.68
|
59.44%
|
34,367,905.76
|
64,226,085.27
|
53.51%
|
-804,094.31
|
5,058,159.59
|
-5.93%
|
||
Microfinance
Maximum SB (Maxbank)
|
30,663,335.03
|
61,461,310.99
|
49.89%
|
32,698,325.77
|
63,741,361.59
|
51.30%
|
2,034,990.74
|
2,280,050.60
|
1.41%
|
||
Northpoint
Development Bank
|
25,863,193.48
|
57,194,102.23
|
45.22%
|
26,731,268.87
|
58,473,177.23
|
45.72%
|
868,075.39
|
1,279,075.00
|
0.50%
|
||
Lemery
Savings & Loan Bank, Inc.
|
36,137,539.38
|
75,034,616.55
|
48.16%
|
34,063,373.04
|
75,034,616.55
|
45.40%
|
-2,074,166.34
|
0.00
|
-2.76%
|
||
Sterling
Bank of Asia Inc. (A SB)
|
596,824,755.93
|
1,190,619,356.86
|
50.13%
|
720,860,292.05
|
1,612,798,867.17
|
44.70%
|
124,035,536.12
|
422,179,510.31
|
-5.43%
|
||
UCPB
Savings Bank
|
814,959,455.76
|
1,886,042,145.04
|
43.21%
|
824,447,663.73
|
1,898,798,490.84
|
43.42%
|
9,488,207.97
|
12,756,345.80
|
0.21%
|
||
Robinsons
Savings Bank
|
1,170,870,711.81
|
2,314,318,928.72
|
50.59%
|
1,054,429,091.36
|
2,599,586,008.31
|
40.56%
|
-116,441,620.45
|
285,267,079.59
|
-10.03%
|
||
World
Partners Bank
|
95,390,282.26
|
160,681,566.86
|
59.37%
|
67,472,503.28
|
177,331,708.61
|
38.05%
|
-27,917,778.98
|
16,650,141.75
|
-21.32%
|
||
Malasiqui
Progressive SLB
|
21,058,505.59
|
57,973,153.04
|
36.32%
|
21,048,584.58
|
57,973,153.04
|
36.31%
|
-9,921.01
|
0.00
|
-0.02%
|
||
Quezon
Coconut Producers SLB
|
23,896,040.23
|
54,303,866.14
|
44.00%
|
20,594,343.62
|
57,249,027.19
|
35.97%
|
-3,301,696.61
|
2,945,161.05
|
-8.03%
|
||
Allied
Savings Bank
|
358,775,483.44
|
983,879,721.95
|
36.47%
|
349,223,975.65
|
996,683,174.47
|
35.04%
|
-9,551,507.79
|
12,803,452.52
|
-1.43%
|
||
Maritime
SLA Inc.
|
13,316,004.88
|
66,734,039.41
|
19.95%
|
15,637,944.69
|
66,734,039.41
|
23.43%
|
2,321,939.81
|
0.00
|
3.48%
|
||
The
Queen City Development Bank
|
259,528,011.18
|
685,609,787.74
|
37.85%
|
154,556,696.85
|
694,530,564.40
|
22.25%
|
-104,971,314.33
|
8,920,776.66
|
-15.60%
|
||
Optimum
Development Bank
|
142,488,878.81
|
669,683,547.67
|
21.28%
|
141,863,496.44
|
682,187,578.12
|
20.80%
|
-625,382.37
|
12,504,030.45
|
-0.48%
|
||
Pacific
Ace Savings Bank
|
12,967,650.24
|
68,711,003.79
|
18.87%
|
13,507,271.13
|
71,722,910.75
|
18.83%
|
539,620.89
|
3,011,906.96
|
-0.04%
|
||
BPI
Direct Savings Bank
|
124,225,810.48
|
620,434,936.32
|
20.02%
|
104,808,406.42
|
681,100,718.48
|
15.39%
|
-19,417,404.06
|
60,665,782.16
|
-4.63%
|
||
HSBC
Savings Bank (Philippines) Inc.
|
294,444,104.57
|
1,822,689,072.79
|
16.15%
|
306,361,602.65
|
2,301,615,321.52
|
13.31%
|
11,917,498.08
|
478,926,248.73
|
-2.84%
|
||
Bank
One Savings and Trust Corp.
|
98,838,353.98
|
494,240,370.50
|
20.00%
|
63,092,255.00
|
515,107,000.38
|
12.25%
|
-35,746,098.98
|
20,866,629.88
|
-7.75%
|
||
Bataan
SLA
|
8,675,561.43
|
79,014,317.75
|
10.98%
|
9,134,396.80
|
78,949,231.51
|
11.57%
|
458,835.37
|
-65,086.24
|
0.59%
|
||
Isla
bank (A Thrift Bank) Inc.
|
56,067,036.87
|
621,455,601.99
|
9.02%
|
56,019,093.92
|
625,758,388.23
|
8.95%
|
-47,942.95
|
4,302,786.24
|
-0.07%
|
||
EIB
Savings Bank Inc.
|
6,417,709.59
|
69,892,198.75
|
9.18%
|
6,393,755.90
|
73,842,233.73
|
8.66%
|
-23,953.69
|
3,950,034.98
|
-0.52%
|
||
BPI
Globe Bank Inc. Savings Bank
|
19,109,957.15
|
355,511,236.95
|
5.38%
|
27,905,564.04
|
335,411,294.54
|
8.32%
|
8,795,606.89
|
-20,099,942.41
|
2.94%
|
||
Progress
SLA
|
5,651,459.23
|
85,767,506.19
|
6.59%
|
5,755,292.32
|
85,879,775.20
|
6.70%
|
103,833.09
|
112,269.01
|
0.11%
|
||
BDO
Elite Savings Bank
|
96,958,473.32
|
1,464,922,522.32
|
6.62%
|
93,326,314.25
|
1,470,452,260.33
|
6.35%
|
-3,632,159.07
|
5,529,738.01
|
-0.27%
|
||
Merchants
Savings & Loan Association
|
15,178,229.59
|
240,410,556.71
|
6.31%
|
11,583,344.55
|
225,331,989.32
|
5.14%
|
-3,594,885.04
|
-15,078,567.39
|
-1.17%
|
||
Century
Savings Bank
|
22,888,349.10
|
815,090,459.16
|
2.81%
|
22,695,931.71
|
773,706,380.01
|
2.93%
|
-192,417.39
|
-41,384,079.15
|
0.13%
|
||
Total
|
93,200,246,256.78
|
71,569,278,405.98
|
130.22%
|
95,898,245,621.03
|
78,797,427,304.86
|
121.70%
|
-2,697,999,364.25
|
-7,228,148,898.88
|
-8.52%
|
||
Disclaimer:
This list only serves as a screening guide. It is not a definitive guide and must be taken in the context of other factors. The figures are based on the individual banks' published statement of condition as of March 31, 2011 as published in the BSP website (www.bsp.gov.ph). For this analysis, no attempt was made to go through the audited financial statements of each bank. Readers are suggested to make their own investigations and verify the figures presented. Both BSP and PDIC have their own problem bank screening systems that are much more sophisticated in scope and design, given that they have more access to information over the banks they regulate.
1Includes Classified Loans and Other Risk Assets, Acquired Real Estate, Non-Current Assets Held for Sale, Other Assets
2Includes Stockholder's Equity less Other Capital Accounts plus Allowance for Credit and Impairment Losses
3A ratio of Distressed Assets to Total Capital Cushion greater than 100% signals the danger of insolvency
