As the table below suggests, it seems that around 45 banks (highlighted in yellow) fall into this deficiency.
| Philippine Banking System | |||||
| NPL Coverage Ratio | |||||
| June 30, 2015 | |||||
| Bank | Loan Loss Provisions | Gross NPLs | NPL Coverage Ratio | ||
| COMSAVINGS BANK | 26,524,008.81 | 191,248,203.56 | 13.87% | ||
| METRO CEBU PUBLIC SAVINGS BANK | 7,117,474.10 | 36,277,745.75 | 19.62% | ||
| LUZON DEVELOPMENT BANK | 101,707,338.27 | 507,609,992.92 | 20.04% | ||
| LIFE SAVINGS BANK INC | 2,775,321.67 | 12,879,682.98 | 21.55% | ||
| PROGRESS SAVINGS AND LOAN BANK INC | 284,522.97 | 1,173,321.24 | 24.25% | ||
| BATAAN DEVELOPMENT BANK | 15,389,516.22 | 57,986,706.97 | 26.54% | ||
| OPPORTUNITY KAUSWAGAN BANK INC | 19,608,083.83 | 73,180,619.07 | 26.79% | ||
| PHIL STAR DEVELOPMENT BANK INC | 6,090,315.48 | 21,842,920.67 | 27.88% | ||
| MARITIME SAVINGS BANK CORPORATION | 6,948,645.24 | 24,336,715.99 | 28.55% | ||
| CITYSTATE SAVINGS BANK INC | 35,330,430.42 | 112,842,411.58 | 31.31% | ||
| CENTURY SAVINGS BANK CORPORATION | 13,586,035.87 | 40,593,678.08 | 33.47% | ||
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 181,210,521.91 | 514,075,882.16 | 35.25% | ||
| BANK ONE SAVINGS AND TRUST CORP. | 9,533,602.53 | 25,295,100.90 | 37.69% | ||
| ENTERPRISE BANK INC | 55,353,813.66 | 137,191,643.05 | 40.35% | ||
| CHINA BANK SAVINGS INC | 464,766,096.05 | 1,122,705,244.22 | 41.40% | ||
| LEMERY SAVINGS & LOAN BANK, INC. | 2,348,978.31 | 5,487,710.87 | 42.80% | ||
| WEALTH DEVELOPMENT BANK CORPORATION | 64,891,455.82 | 151,263,604.62 | 42.90% | ||
| PAMPANGA DEVELOPMENT BANK | 22,807,091.55 | 52,701,336.06 | 43.28% | ||
| PLANTERS DEVELOPMENT BANK | 1,274,051,478.94 | 2,866,123,172.95 | 44.45% | ||
| MALAYAN BANK SAVINGS AND MORT BANK INC | 296,603,616.51 | 666,754,530.61 | 44.48% | ||
| BANK OF MAKATI INC | 1,270,888,970.83 | 2,818,397,854.23 | 45.09% | ||
| PNB SAVINGS BANK | 223,071,342.94 | 462,335,523.76 | 48.25% | ||
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 19,171,217.16 | 39,629,087.22 | 48.38% | ||
| EQUICOM SAVINGS BANK INC | 233,391,870.14 | 472,651,774.12 | 49.38% | ||
| DUMAGUETE CITY DEV BANK INC | 16,533,857.12 | 32,759,929.63 | 50.47% | ||
| BUSINESS AND CONSUMERS BANK | 7,089,358.25 | 14,017,010.15 | 50.58% | ||
| LEGAZPI SAVINGS BANK INC | 227,461,966.19 | 434,713,024.80 | 52.32% | ||
| FARMERS SAVINGS & LOAN BANK INC | 30,952,782.17 | 57,441,854.50 | 53.89% | ||
| PENBANK INC | 75,325,879.63 | 139,443,525.53 | 54.02% | ||
| QUEZON COCONUT BANK INC | 890,815.28 | 1,555,545.32 | 57.27% | ||
| WORLD PARTNERS BANK | 53,242,755.38 | 89,604,093.13 | 59.42% | ||
| HIYAS BANKING CORPORATION | 6,830,066.93 | 11,269,981.71 | 60.60% | ||
| EAST WEST BANKING CORP | 3,446,701,592.02 | 5,675,977,313.83 | 60.72% | ||
| RCBC SAVINGS BANK INC | 1,756,509,048.17 | 2,783,963,439.87 | 63.09% | ||
| STANDARD CHARTERED BANK | 1,607,360,910.95 | 2,493,311,908.62 | 64.47% | ||
| MAYBANK PHILIPPINES INC | 1,213,325,354.66 | 1,848,823,142.88 | 65.63% | ||
| NORTHPOINT DEV'T BANK INC | 49,659,110.31 | 74,994,342.73 | 66.22% | ||
| STERLING BANK OF ASIA INC | 664,323,511.66 | 966,643,725.69 | 68.72% | ||
| UNITED COCONUT PLANTERS BANK | 4,289,520,635.86 | 6,216,188,128.78 | 69.01% | ||
| PACIFIC ACE SAVINGS BANK INC | 2,488,306.15 | 3,458,594.64 | 71.95% | ||
| TOWER DEVELOPMENT BANK | 7,248,518.60 | 9,924,927.53 | 73.03% | ||
| PHILIPPINE VETERANS BANK | 1,190,126,056.52 | 1,610,731,794.85 | 73.89% | ||
| CORDILLERA SAVINGS BANK INC | 10,888,311.84 | 14,627,746.41 | 74.44% | ||
| VILLAGE BANK INC | 17,342,200.42 | 22,730,914.51 | 76.29% | ||
| PHIL POSTAL SAVINGS BANK INC | 418,158,225.90 | 544,029,479.50 | 76.86% | ||
| PHIL BANK OF COMMUNICATIONS | 1,507,617,042.79 | 1,891,849,658.47 | 79.69% | ||
| ASIA UNITED BANK CORPORATION | 1,414,327,821.04 | 1,696,605,696.49 | 83.36% | ||
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 838,201,501.15 | 994,057,951.15 | 84.32% | ||
| DUNGGANON BANK INC | 25,154,579.46 | 29,498,300.43 | 85.27% | ||
| INTER-ASIA DEVELOPMENT BANK | 6,801,740.33 | 7,914,470.56 | 85.94% | ||
| CITY SAVINGS BANK INC | 751,453,233.25 | 872,211,070.89 | 86.15% | ||
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION | 444,930,624.40 | 513,198,327.06 | 86.70% | ||
| TONGYANG SAVINGS BANK INC | 96,584,592.57 | 108,006,887.41 | 89.42% | ||
| FIRST CONSOLIDATED BANK INC | 558,223,056.74 | 621,355,629.59 | 89.84% | ||
| ROBINSONS BANK CORPORATION | 584,864,556.87 | 648,281,449.20 | 90.22% | ||
| PRODUCERS SAVINGS BANK CORPORATION | 96,825,798.45 | 106,929,506.68 | 90.55% | ||
| MBANK PHILIPPINES INC | 35,893,576.22 | 39,073,209.15 | 91.86% | ||
| THE PALAWAN BANK INC | 14,911,878.00 | 15,987,772.37 | 93.27% | ||
| BPI GLOBE BANKO INC A SAVINGS BANK | 283,543,370.29 | 303,033,785.12 | 93.57% | ||
| PHIL SAVINGS BANK | 4,135,109,207.22 | 4,372,148,005.47 | 94.58% | ||
| MICROFINANCE MAXIMUM SB INC | 2,449,105.34 | 2,552,934.15 | 95.93% | ||
| MALASIQUI PROGRESSIVE SLB, INC | 7,184,596.38 | 7,410,279.25 | 96.95% | ||
| SUN SAVINGS BANK INC | 10,119,012.45 | 10,273,588.19 | 98.50% | ||
| SAMPAGUITA SAVINGS BANK INC | 19,372,274.63 | 19,593,200.13 | 98.87% | ||
| BPI FAMILY SAVINGS BANK INC | 5,242,948,902.57 | 5,226,490,529.12 | 100.31% | ||
| DEVELOPMENT BANK OF THE PHIL | 5,825,540,366.35 | 5,759,578,869.42 | 101.15% | ||
| UNITED OVERSEAS BANK PHILIPPINES | 178,181,418.36 | 171,836,043.28 | 103.69% | ||
| UNION BANK OF THE PHILS | 10,230,725,092.14 | 9,798,205,751.44 | 104.41% | ||
| BATAAN SAVINGS AND LOAN BANK | 1,595,044.62 | 1,505,600.05 | 105.94% | ||
| BPI DIRECT SAVINGS BANK INC | 199,514,242.91 | 184,823,670.37 | 107.95% | ||
| UCPB SAVINGS BANK | 559,662,944.28 | 516,146,099.25 | 108.43% | ||
| HONGKONG & SHANGHAI BANKING CORP | 1,113,764,987.59 | 1,007,193,050.23 | 110.58% | ||
| OPTIMUM DEVELOPMENT BANK INC | 44,568,839.06 | 38,142,223.56 | 116.85% | ||
| PHIL NATIONAL BANK | 10,870,858,796.60 | 9,067,066,902.31 | 119.89% | ||
| CTBC BANK CORP | 456,229,146.37 | 365,040,429.64 | 124.98% | ||
| CHINA BANKING CORP | 6,492,831,650.19 | 4,921,349,996.05 | 131.93% | ||
| BANK OF COMMERCE | 2,785,749,948.01 | 1,943,428,393.34 | 143.34% | ||
| BANK OF CHINA LIMITED-MANILA BRANCH | 276,690,735.42 | 189,040,895.91 | 146.37% | ||
| BANK OF THE PHIL ISLANDS | 12,465,038,575.34 | 8,502,678,861.67 | 146.60% | ||
| RIZAL COMM'L BANKING CORP | 3,410,354,798.99 | 2,143,107,451.90 | 159.13% | ||
| LAND BANK OF THE PHILIPPINES | 11,166,963,849.45 | 7,001,091,253.62 | 159.50% | ||
| UNIVERSITY SAVINGS BANK INC | 41,976,227.15 | 25,738,333.50 | 163.09% | ||
| HSBC SAVINGS BANK(PHILS) INC | 96,230,791.85 | 58,688,758.57 | 163.97% | ||
| MERCHANTS SAVINGS & LOAN ASSN INC | 11,492,048.27 | 6,962,105.76 | 165.07% | ||
| CARD SME BANK INC A THRIFT BANK | 60,356,259.08 | 34,383,674.39 | 175.54% | ||
| BDO UNIBANK INC | 29,103,066,280.28 | 15,535,855,128.06 | 187.33% | ||
| PHIL TRUST COMPANY | 2,172,762,477.90 | 1,092,003,102.85 | 198.97% | ||
| SECURITY BANK CORP | 3,313,888,668.43 | 1,362,633,210.54 | 243.20% | ||
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 2,796,064.67 | 1,092,048.97 | 256.04% | ||
| KOREA EXCHANGE BANK | 68,356,002.32 | 23,550,181.36 | 290.26% | ||
| MEGA INT'L COMM'L BANK CO LTD | 233,414,801.27 | 66,450,000.00 | 351.26% | ||
| METROPOLITAN BANK & TCO | 12,405,579,120.51 | 2,557,929,137.05 | 484.99% | ||
| CITIBANK, N.A. | 5,637,371,433.70 | 674,220,900.00 | 836.13% | ||
| ANZ BANKING GROUP LTD | 267,148,381.01 | 23,339,114.85 | 1144.64% | ||
| JP MORGAN CHASE BANK NATIONAL ASSN. | 20,225,450.00 | 734,885.22 | 2752.19% | ||
| BANGKOK BANK PUBLIC CO LTD | 234,869,285.00 | 4,662,165.64 | 5037.77% | ||
| INTERNATIONALE NEDERLANDEN GROEP BK | 108,418,539.09 | 92.18 | 117616119.65% | ||
| BANK OF AMERICA N.A. | 24,700,000.00 | 4.00 | 617500000.00% | ||
| BDO ELITE SAVINGS BANK INC | 0.00 | 0.00 | NA | ||
| BDO PRIVATE BANK, INC. | 89,305,938.02 | 0.00 | NA | ||
| DEUTSCHE BANK AG | 179,913,607.31 | 0.00 | NA | ||
| ISLA BANK INC | 4,290,580.33 | 0.00 | NA | ||
| MIZUHO BANK LTD - MANILA BRANCH | 329,979,495.38 | 0.00 | NA | ||
| THE BNK OF TOKYO-MITSUBISHI UFJ LTD | 383,710,030.46 | 0.00 | NA | ||
| Grand Total | 156,390,069,401.10 | 124,025,745,474.05 | 126.09% | ||
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, around 10 banks will be severely affected:
| Philippine Banking System | ||||||||
| Impact on SE of Minimum Loan Loss Provisions | ||||||||
| June 30, 2015 | ||||||||
| Bank | Gross NPLs | Minimum Loan Loss Provisions at 80% NPL Coverage Ratio | General Loan Loss Provision | Specific Allowance | Actual Loan Loss Provisions | Excess/Deficit Loan Loss Provisions | Stockholder's Equity | Impact on SE |
| COMSAVINGS BANK | 191,248,203.56 | 152,998,562.85 | 2,124,886.63 | 24,399,122.18 | 26,524,008.81 | -126,474,554.04 | 17,594,272.04 | -718.84% |
| LUZON DEVELOPMENT BANK | 507,609,992.92 | 406,087,994.34 | 29,675,239.08 | 72,032,099.19 | 101,707,338.27 | -304,380,656.07 | 558,736,010.47 | -54.48% |
| OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE THRIFT BANK) | 73,180,619.07 | 58,544,495.26 | 0.00 | 19,608,083.83 | 19,608,083.83 | -38,936,411.43 | 75,132,544.94 | -51.82% |
| LEGAZPI SAVINGS BANK INC | 434,713,024.80 | 347,770,419.84 | 13,092,250.41 | 214,369,715.78 | 227,461,966.19 | -120,308,453.65 | 275,271,124.24 | -43.71% |
| BATAAN DEVELOPMENT BANK | 57,986,706.97 | 46,389,365.58 | 803,318.24 | 14,586,197.98 | 15,389,516.22 | -30,999,849.36 | 77,468,452.70 | -40.02% |
| METRO CEBU PUBLIC SAVINGS BANK | 36,277,745.75 | 29,022,196.60 | 263,295.72 | 6,854,178.38 | 7,117,474.10 | -21,904,722.50 | 56,988,412.29 | -38.44% |
| PLANTERS DEVELOPMENT BANK | 2,866,123,172.95 | 2,292,898,538.36 | 249,600,000.00 | 1,024,451,478.94 | 1,274,051,478.94 | -1,018,847,059.42 | 3,534,513,968.74 | -28.83% |
| EQUICOM SAVINGS BANK INC | 472,651,774.12 | 378,121,419.30 | 33,350,271.50 | 200,041,598.64 | 233,391,870.14 | -144,729,549.16 | 581,237,288.93 | -24.90% |
| MALAYAN BANK SAVINGS AND MORT BANK INC | 666,754,530.61 | 533,403,624.49 | 34,373,499.18 | 262,230,117.33 | 296,603,616.51 | -236,800,007.98 | 981,260,887.11 | -24.13% |
| ENTERPRISE BANK INC (A THRIFT BANK) | 137,191,643.05 | 109,753,314.44 | 13,206,338.29 | 42,147,475.37 | 55,353,813.66 | -54,399,500.78 | 241,465,210.74 | -22.53% |
| MARITIME SAVINGS BANK CORPORATION | 24,336,715.99 | 19,469,372.79 | 1,123,238.69 | 5,825,406.55 | 6,948,645.24 | -12,520,727.55 | 64,181,062.27 | -19.51% |
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 514,075,882.16 | 411,260,705.73 | 51,129,912.35 | 130,080,609.56 | 181,210,521.91 | -230,050,183.82 | 1,274,144,364.82 | -18.06% |
| CHINA BANK SAVINGS INC | 1,122,705,244.22 | 898,164,195.38 | 159,723,187.25 | 305,042,908.80 | 464,766,096.05 | -433,398,099.33 | 2,538,466,966.35 | -17.07% |
| BANK OF MAKATI (A SAVINGS BANK) INC | 2,818,397,854.23 | 2,254,718,283.38 | 153,228,024.15 | 1,117,660,946.68 | 1,270,888,970.83 | -983,829,312.55 | 5,953,540,538.75 | -16.53% |
| WORLD PARTNERS BANK (A THRIFT BANK) | 89,604,093.13 | 71,683,274.50 | 2,846,325.97 | 50,396,429.41 | 53,242,755.38 | -18,440,519.12 | 114,691,064.13 | -16.08% |
| PAMPANGA DEVELOPMENT BANK | 52,701,336.06 | 42,161,068.85 | 2,074,767.44 | 20,732,324.11 | 22,807,091.55 | -19,353,977.30 | 126,848,673.58 | -15.26% |
| PHIL STAR DEVELOPMENT BANK INC | 21,842,920.67 | 17,474,336.54 | 463,928.82 | 5,626,386.66 | 6,090,315.48 | -11,384,021.06 | 76,739,387.74 | -14.83% |
| FARMERS SAVINGS & LOAN BANK INC | 57,441,854.50 | 45,953,483.60 | 2,502,381.65 | 28,450,400.52 | 30,952,782.17 | -15,000,701.43 | 108,608,004.16 | -13.81% |
| WEALTH DEVELOPMENT BANK CORPORATION | 151,263,604.62 | 121,010,883.70 | 19,842,120.63 | 45,049,335.19 | 64,891,455.82 | -56,119,427.88 | 412,087,784.99 | -13.62% |
| LIFE SAVINGS BANK INC | 12,879,682.98 | 10,303,746.38 | 503,552.75 | 2,271,768.92 | 2,775,321.67 | -7,528,424.71 | 61,497,646.63 | -12.24% |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 139,443,525.53 | 111,554,820.42 | 14,802,324.00 | 60,523,555.63 | 75,325,879.63 | -36,228,940.79 | 320,242,577.61 | -11.31% |
| CITYSTATE SAVINGS BANK INC | 112,842,411.58 | 90,273,929.26 | 8,803,821.97 | 26,526,608.45 | 35,330,430.42 | -54,943,498.84 | 645,466,476.78 | -8.51% |
| STANDARD CHARTERED BANK | 2,493,311,908.62 | 1,994,649,526.90 | 264,176,523.19 | 1,343,184,387.76 | 1,607,360,910.95 | -387,288,615.95 | 6,365,388,735.62 | -6.08% |
| RCBC SAVINGS BANK INC | 2,783,963,439.87 | 2,227,170,751.90 | 404,885,716.32 | 1,351,623,331.85 | 1,756,509,048.17 | -470,661,703.73 | 8,539,921,524.51 | -5.51% |
| NORTHPOINT DEV'T BANK INC | 74,994,342.73 | 59,995,474.18 | 1,577,472.34 | 48,081,637.97 | 49,659,110.31 | -10,336,363.87 | 193,033,062.97 | -5.35% |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 966,643,725.69 | 773,314,980.55 | 143,294,705.41 | 521,028,806.25 | 664,323,511.66 | -108,991,468.89 | 2,163,698,711.07 | -5.04% |
| BUSINESS AND CONSUMERS BANK (A DB) | 14,017,010.15 | 11,213,608.12 | 1,120,374.27 | 5,968,983.98 | 7,089,358.25 | -4,124,249.87 | 88,318,240.12 | -4.67% |
| DUMAGUETE CITY DEV BANK INC | 32,759,929.63 | 26,207,943.70 | 3,665,047.39 | 12,868,809.73 | 16,533,857.12 | -9,674,086.58 | 231,912,806.28 | -4.17% |
| EAST WEST BANKING CORP | 5,675,977,313.83 | 4,540,781,851.06 | 1,253,260,065.54 | 2,193,441,526.48 | 3,446,701,592.02 | -1,094,080,259.04 | 29,439,693,241.66 | -3.72% |
| UNITED COCONUT PLANTERS BANK | 6,216,188,128.78 | 4,972,950,503.02 | 1,416,394,240.40 | 2,873,126,395.46 | 4,289,520,635.86 | -683,429,867.16 | 20,164,093,497.57 | -3.39% |
| LEMERY SAVINGS & LOAN BANK, INC. | 5,487,710.87 | 4,390,168.70 | 537,336.58 | 1,811,641.73 | 2,348,978.31 | -2,041,190.39 | 70,301,901.64 | -2.90% |
| MAYBANK PHILIPPINES INC | 1,848,823,142.88 | 1,479,058,514.30 | 518,386,987.75 | 694,938,366.91 | 1,213,325,354.66 | -265,733,159.64 | 11,281,821,360.53 | -2.36% |
| CENTURY SAVINGS BANK CORPORATION | 40,593,678.08 | 32,474,942.46 | 6,743,020.54 | 6,843,015.33 | 13,586,035.87 | -18,888,906.59 | 944,631,178.29 | -2.00% |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 39,629,087.22 | 31,703,269.78 | 6,639,627.43 | 12,531,589.73 | 19,171,217.16 | -12,532,052.62 | 656,862,729.09 | -1.91% |
| BANK ONE SAVINGS AND TRUST CORP. | 25,295,100.90 | 20,236,080.72 | 3,448,609.20 | 6,084,993.33 | 9,533,602.53 | -10,702,478.19 | 563,906,917.85 | -1.90% |
| PHILIPPINE VETERANS BANK | 1,610,731,794.85 | 1,288,585,435.88 | 75,896,953.79 | 1,114,229,102.73 | 1,190,126,056.52 | -98,459,379.36 | 5,311,190,510.28 | -1.85% |
| PHIL POSTAL SAVINGS BANK INC | 544,029,479.50 | 435,223,583.60 | 65,731,527.60 | 352,426,698.30 | 418,158,225.90 | -17,065,357.70 | 1,029,990,607.85 | -1.66% |
| PNB SAVINGS BANK | 462,335,523.76 | 369,868,419.01 | 111,819,767.08 | 111,251,575.86 | 223,071,342.94 | -146,797,076.07 | 11,132,346,874.37 | -1.32% |
| HIYAS BANKING CORPORATION | 11,269,981.71 | 9,015,985.37 | 2,385,717.63 | 4,444,349.30 | 6,830,066.93 | -2,185,918.44 | 166,330,343.03 | -1.31% |
| VILLAGE BANK INC (A THRIFT BANK) | 22,730,914.51 | 18,184,731.61 | 1,556,846.24 | 15,785,354.18 | 17,342,200.42 | -842,531.19 | 75,784,711.08 | -1.11% |
| PROGRESS SAVINGS AND LOAN BANK INC | 1,173,321.24 | 938,656.99 | 1,573.21 | 282,949.76 | 284,522.97 | -654,134.02 | 82,285,828.57 | -0.79% |
| CORDILLERA SAVINGS BANK INC | 14,627,746.41 | 11,702,197.13 | 1,813,327.03 | 9,074,984.81 | 10,888,311.84 | -813,885.29 | 117,479,229.01 | -0.69% |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 1,555,545.32 | 1,244,436.26 | 403,743.81 | 487,071.47 | 890,815.28 | -353,620.98 | 58,766,773.87 | -0.60% |
| TOWER DEVELOPMENT BANK | 9,924,927.53 | 7,939,942.02 | 3,328,245.08 | 3,920,273.52 | 7,248,518.60 | -691,423.42 | 118,355,496.22 | -0.58% |
| PACIFIC ACE SAVINGS BANK INC | 3,458,594.64 | 2,766,875.71 | 120,228.12 | 2,368,078.03 | 2,488,306.15 | -278,569.56 | 80,143,568.42 | -0.35% |
| PHIL BANK OF COMMUNICATIONS | 1,891,849,658.47 | 1,513,479,726.78 | 258,046,911.85 | 1,249,570,130.94 | 1,507,617,042.79 | -5,862,683.99 | 7,810,598,126.54 | -0.08% |
| BDO ELITE SAVINGS BANK INC | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 810,274,426.40 | 0.00% |
| ASIA UNITED BANK CORPORATION | 1,696,605,696.49 | 1,357,284,557.19 | 754,819,242.76 | 659,508,578.28 | 1,414,327,821.04 | 57,043,263.85 | 20,608,012,017.40 | 0.28% |
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 994,057,951.15 | 795,246,360.92 | 359,800,000.00 | 478,401,501.15 | 838,201,501.15 | 42,955,140.23 | 8,391,990,435.02 | 0.51% |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 1,092,048.97 | 873,639.18 | 1,704,015.70 | 1,092,048.97 | 2,796,064.67 | 1,922,425.49 | 350,128,447.77 | 0.55% |
| BATAAN SAVINGS AND LOAN BANK | 1,505,600.05 | 1,204,480.04 | 1,052,837.33 | 542,207.29 | 1,595,044.62 | 390,564.58 | 64,143,950.67 | 0.61% |
| ISLA BANK(A THRIFT BANK) INC | 0.00 | 0.00 | 1,084,511.77 | 3,206,068.56 | 4,290,580.33 | 4,290,580.33 | 658,778,697.45 | 0.65% |
| ROBINSONS BANK CORPORATION | 648,281,449.20 | 518,625,159.36 | 206,162,362.56 | 378,702,194.31 | 584,864,556.87 | 66,239,397.51 | 9,080,018,266.90 | 0.73% |
| CITY SAVINGS BANK INC | 872,211,070.89 | 697,768,856.71 | 456,713,616.05 | 294,739,617.20 | 751,453,233.25 | 53,684,376.54 | 7,232,735,528.05 | 0.74% |
| PRODUCERS SAVINGS BANK CORPORATION | 106,929,506.68 | 85,543,605.34 | 43,703,433.06 | 53,122,365.39 | 96,825,798.45 | 11,282,193.11 | 1,388,915,247.79 | 0.81% |
| INTER-ASIA DEVELOPMENT BANK | 7,914,470.56 | 6,331,576.45 | 1,070,766.92 | 5,730,973.41 | 6,801,740.33 | 470,163.88 | 56,300,188.55 | 0.84% |
| BANK OF AMERICA N.A. | 4.00 | 3.20 | 24,700,000.00 | 0.00 | 24,700,000.00 | 24,699,996.80 | 2,096,061,205.20 | 1.18% |
| SUN SAVINGS BANK INC | 10,273,588.19 | 8,218,870.55 | 3,047,344.69 | 7,071,667.76 | 10,119,012.45 | 1,900,141.90 | 126,356,472.19 | 1.50% |
| MERCHANTS SAVINGS & LOAN ASSN INC | 6,962,105.76 | 5,569,684.61 | 2,913,981.85 | 8,578,066.42 | 11,492,048.27 | 5,922,363.66 | 393,714,280.30 | 1.50% |
| BDO PRIVATE BANK, INC. | 0.00 | 0.00 | 57,380,938.02 | 31,925,000.00 | 89,305,938.02 | 89,305,938.02 | 5,903,695,966.62 | 1.51% |
| MICROFINANCE MAXIMUM SB INC | 2,552,934.15 | 2,042,347.32 | 162,356.77 | 2,286,748.57 | 2,449,105.34 | 406,758.02 | 26,413,307.62 | 1.54% |
| JP MORGAN CHASE BANK NATIONAL ASSN. | 734,885.22 | 587,908.18 | 19,490,564.78 | 734,885.22 | 20,225,450.00 | 19,637,541.82 | 1,242,578,154.13 | 1.58% |
| DUNGGANON BANK (A MICROFINANCE THRIFT BANK) INC | 29,498,300.43 | 23,598,640.34 | 954,883.21 | 24,199,696.25 | 25,154,579.46 | 1,555,939.12 | 94,797,067.56 | 1.64% |
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS) | 513,198,327.06 | 410,558,661.65 | 83,571,057.53 | 361,359,566.87 | 444,930,624.40 | 34,371,962.75 | 1,896,127,600.21 | 1.81% |
| OPTIMUM DEVELOPMENT BANK INC | 38,142,223.56 | 30,513,778.85 | 9,165,523.53 | 35,403,315.53 | 44,568,839.06 | 14,055,060.21 | 767,252,477.03 | 1.83% |
| FIRST CONSOLIDATED BANK INC (A PDB) | 621,355,629.59 | 497,084,503.67 | 109,246,835.92 | 448,976,220.82 | 558,223,056.74 | 61,138,553.07 | 3,033,307,180.24 | 2.02% |
| HONGKONG & SHANGHAI BANKING CORP | 1,007,193,050.23 | 805,754,440.18 | 570,743,745.88 | 543,021,241.71 | 1,113,764,987.59 | 308,010,547.41 | 13,093,980,223.87 | 2.35% |
| MALASIQUI PROGRESSIVE SLB, INC | 7,410,279.25 | 5,928,223.40 | 232,889.90 | 6,951,706.48 | 7,184,596.38 | 1,256,372.98 | 53,235,328.15 | 2.36% |
| CTBC BANK (PHILIPPINES) CORP | 365,040,429.64 | 292,032,343.71 | 214,613,623.92 | 241,615,522.45 | 456,229,146.37 | 164,196,802.66 | 6,670,249,012.45 | 2.46% |
| RIZAL COMM'L BANKING CORP | 2,143,107,451.90 | 1,714,485,961.52 | 1,794,518,415.86 | 1,615,836,383.13 | 3,410,354,798.99 | 1,695,868,837.47 | 62,239,277,438.91 | 2.72% |
| HSBC SAVINGS BANK(PHILS) INC | 58,688,758.57 | 46,951,006.86 | 74,342,500.26 | 21,888,291.59 | 96,230,791.85 | 49,279,784.99 | 1,808,158,787.37 | 2.73% |
| TONGYANG SAVINGS BANK INC | 108,006,887.41 | 86,405,509.93 | 2,517,115.53 | 94,067,477.04 | 96,584,592.57 | 10,179,082.64 | 372,074,510.49 | 2.74% |
| DEVELOPMENT BANK OF THE PHIL | 5,759,578,869.42 | 4,607,663,095.54 | 1,857,712,599.26 | 3,967,827,767.09 | 5,825,540,366.35 | 1,217,877,270.81 | 42,384,636,125.43 | 2.87% |
| UNITED OVERSEAS BANK PHILIPPINES | 171,836,043.28 | 137,468,834.62 | 6,255,393.95 | 171,926,024.41 | 178,181,418.36 | 40,712,583.74 | 1,131,426,122.14 | 3.60% |
| BPI DIRECT SAVINGS BANK INC | 184,823,670.37 | 147,858,936.30 | 75,297,172.74 | 124,217,070.17 | 199,514,242.91 | 51,655,306.61 | 1,416,670,757.64 | 3.65% |
| PHIL SAVINGS BANK | 4,372,148,005.47 | 3,497,718,404.38 | 1,074,272,351.20 | 3,060,836,856.02 | 4,135,109,207.22 | 637,390,802.84 | 17,384,488,208.08 | 3.67% |
| PHIL NATIONAL BANK | 9,067,066,902.31 | 7,253,653,521.85 | 2,759,824,877.16 | 8,111,033,919.44 | 10,870,858,796.60 | 3,617,205,274.75 | 93,349,883,708.14 | 3.87% |
| BANK OF THE PHIL ISLANDS | 8,502,678,861.67 | 6,802,143,089.34 | 6,838,737,777.00 | 5,626,300,798.34 | 12,465,038,575.34 | 5,662,895,486.00 | 144,424,514,136.66 | 3.92% |
| KOREA EXCHANGE BANK | 23,550,181.36 | 18,840,145.09 | 29,104,088.44 | 39,251,913.88 | 68,356,002.32 | 49,515,857.23 | 1,260,307,130.33 | 3.93% |
| INTERNATIONALE NEDERLANDEN GROEP BK | 92.18 | 73.74 | 105,243,447.91 | 3,175,091.18 | 108,418,539.09 | 108,418,465.35 | 2,554,357,750.05 | 4.24% |
| SECURITY BANK CORP | 1,362,633,210.54 | 1,090,106,568.43 | 2,166,831,436.11 | 1,147,057,232.32 | 3,313,888,668.43 | 2,223,782,100.00 | 50,874,071,660.68 | 4.37% |
| BPI FAMILY SAVINGS BANK INC | 5,226,490,529.12 | 4,181,192,423.30 | 1,683,529,921.51 | 3,559,418,981.06 | 5,242,948,902.57 | 1,061,756,479.27 | 23,859,822,808.45 | 4.45% |
| UNION BANK OF THE PHILS | 9,798,205,751.44 | 7,838,564,601.15 | 1,087,358,650.60 | 9,143,366,441.54 | 10,230,725,092.14 | 2,392,160,490.99 | 51,955,576,711.05 | 4.60% |
| CHINA BANKING CORP | 4,921,349,996.05 | 3,937,079,996.84 | 3,011,606,004.79 | 3,481,225,645.40 | 6,492,831,650.19 | 2,555,751,653.35 | 54,131,189,224.98 | 4.72% |
| BANK OF CHINA LIMITED-MANILA BRANCH | 189,040,895.91 | 151,232,716.73 | 80,713,318.20 | 195,977,417.22 | 276,690,735.42 | 125,458,018.69 | 2,508,432,508.19 | 5.00% |
| UNIVERSITY SAVINGS BANK INC | 25,738,333.50 | 20,590,666.80 | 3,155,546.48 | 38,820,680.67 | 41,976,227.15 | 21,385,560.35 | 403,230,797.63 | 5.30% |
| ANZ BANKING GROUP LTD | 23,339,114.85 | 18,671,291.88 | 243,809,266.16 | 23,339,114.85 | 267,148,381.01 | 248,477,089.13 | 4,596,026,057.49 | 5.41% |
| PHIL TRUST COMPANY | 1,092,003,102.85 | 873,602,482.28 | 172,399,510.02 | 2,000,362,967.88 | 2,172,762,477.90 | 1,299,159,995.62 | 23,673,571,737.77 | 5.49% |
| METROPOLITAN BANK & TCO | 2,557,929,137.05 | 2,046,343,309.64 | 5,548,156,321.06 | 6,857,422,799.45 | 12,405,579,120.51 | 10,359,235,810.87 | 180,834,565,479.46 | 5.73% |
| CARD SME BANK INC A THRIFT BANK | 34,383,674.39 | 27,506,939.51 | 14,678,150.11 | 45,678,108.97 | 60,356,259.08 | 32,849,319.57 | 518,521,095.02 | 6.34% |
| THE PALAWAN BANK (PALAWAN DB) INC | 15,987,772.37 | 12,790,217.90 | 2,187,821.11 | 12,724,056.89 | 14,911,878.00 | 2,121,660.10 | 32,327,364.80 | 6.56% |
| SAMPAGUITA SAVINGS BANK INC | 19,593,200.13 | 15,674,560.10 | 31,465.94 | 19,340,808.69 | 19,372,274.63 | 3,697,714.53 | 55,755,849.94 | 6.63% |
| UCPB SAVINGS BANK | 516,146,099.25 | 412,916,879.40 | 81,082,848.62 | 478,580,095.66 | 559,662,944.28 | 146,746,064.88 | 2,155,160,764.68 | 6.81% |
| DEUTSCHE BANK AG | 0.00 | 0.00 | 58,394,445.58 | 121,519,161.73 | 179,913,607.31 | 179,913,607.31 | 2,559,394,821.53 | 7.03% |
| BANGKOK BANK PUBLIC CO LTD | 4,662,165.64 | 3,729,732.51 | 230,207,119.36 | 4,662,165.64 | 234,869,285.00 | 231,139,552.49 | 3,103,858,680.95 | 7.45% |
| LAND BANK OF THE PHILIPPINES | 7,001,091,253.62 | 5,600,873,002.90 | 6,055,225,420.88 | 5,111,738,428.57 | 11,166,963,849.45 | 5,566,090,846.55 | 74,569,304,033.38 | 7.46% |
| MBANK PHILIPPINES (A THRIFT BANK) INC | 39,073,209.15 | 31,258,567.32 | 0.00 | 35,893,576.22 | 35,893,576.22 | 4,635,008.90 | 57,708,925.66 | 8.03% |
| BANK OF COMMERCE | 1,943,428,393.34 | 1,554,742,714.67 | 309,602,819.81 | 2,476,147,128.20 | 2,785,749,948.01 | 1,231,007,233.34 | 15,262,313,934.88 | 8.07% |
| THE BNK OF TOKYO-MITSUBISHI UFJ LTD | 0.00 | 0.00 | 383,710,030.46 | 0.00 | 383,710,030.46 | 383,710,030.46 | 4,591,668,673.67 | 8.36% |
| BDO UNIBANK INC | 15,535,855,128.06 | 12,428,684,102.45 | 14,711,363,718.65 | 14,391,702,561.63 | 29,103,066,280.28 | 16,674,382,177.83 | 179,821,847,506.88 | 9.27% |
| MEGA INT'L COMM'L BANK CO LTD | 66,450,000.00 | 53,160,000.00 | 144,918,072.85 | 88,496,728.42 | 233,414,801.27 | 180,254,801.27 | 1,878,135,053.81 | 9.60% |
| MIZUHO BANK LTD - MANILA BRANCH | 0.00 | 0.00 | 307,780,645.38 | 22,198,850.00 | 329,979,495.38 | 329,979,495.38 | 2,729,931,250.02 | 12.09% |
| BPI GLOBE BANKO INC A SAVINGS BANK | 303,033,785.12 | 242,427,028.10 | 842,264.49 | 282,701,105.80 | 283,543,370.29 | 41,116,342.19 | 259,014,856.89 | 15.87% |
| CITIBANK, N.A. | 674,220,900.00 | 539,376,720.00 | 2,624,695,175.46 | 3,012,676,258.24 | 5,637,371,433.70 | 5,097,994,713.70 | 12,704,767,460.17 | 40.13% |
| Grand Total | 124,025,745,474.05 | 99,220,596,379.24 | 61,801,207,497.61 | 94,588,861,903.49 | 156,390,069,401.10 | 57,169,473,021.86 | 1,270,284,096,111.24 | 4.50% |
Out of the 10 banks highlighted in yellow, 9 banks have been regularly listed as one of the "The Top Distressed Philippine Banks as of March 31, 2015".
Comsavings Bank needs to recapitalize the bank by more than 100% if it were to increase its loan loss provisions to meet a minimum NPL Coverage Ratio of 80%.
Luzon Development Bank faces a shortfall of 54.48% of its stated stockholders equity of Php 558.736 million if it were to increase its loan loss provisions to meet a minimum NPL Coverage Ratio of 80%.
Planters Development Bank faces a similar shortfall of 28.83% of its stated stockholders equity of Php 3.729 billion if it were to shore up its loan loss provisions to 80% of its NPLs. Planters nearly failed in the last half of 2013 but was rescued when it was acquired by China Banking Corporation, a much healthier bank, for Php 1.863 billion last September 18, 2013. This represents a 40% discount to Planters stated book value of Php 3.133 billion as of September 30, 2013 or a 41% premium to their actual book value of Php 1.323 billion (after subtracting for unbooked losses/deferred charges). For more information regarding this, please read a previous blog post: "The Near Death Experience of Planters Development Bank".
