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 30 banks (highlighted in yellow, failed banks in red) fall into this deficiency.
| Philippine Banking System | |||||
| NPL Coverage Ratio | |||||
| March 31, 2018 | |||||
| Bank | Loan Loss Provisions | Gross NPLs | NPL Coverage Ratio | ||
| OVERSEAS FILIPINO BANK INC A SAVINGS BANK OF LANDBANK | 351,740,331.70 | 2,372,036,167.05 | 14.83% | ||
| CITY SAVINGS BANK INC | 468,632,904.47 | 2,301,306,789.86 | 20.36% | ||
| ALLBANK (A THRIFT BANK) INC | 32,979,738.86 | 134,213,404.65 | 24.57% | ||
| PNB SAVINGS BANK | 737,210,888.12 | 2,124,019,395.12 | 34.71% | ||
| UCPB SAVINGS BANK | 620,627,702.81 | 1,745,232,594.64 | 35.56% | ||
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS | 400,401,281.25 | 1,062,566,562.48 | 37.68% | ||
| WEALTH DEVELOPMENT BANK CORPORATION | 155,750,397.86 | 412,713,639.62 | 37.74% | ||
| MALASIQUI PROGRESSIVE SLB, INC | 6,951,706.48 | 18,193,736.59 | 38.21% | ||
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 225,928,271.41 | 588,001,638.40 | 38.42% | ||
| EQUICOM SAVINGS BANK INC | 234,892,363.03 | 611,032,784.07 | 38.44% | ||
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 676,763,352.26 | 1,699,159,473.33 | 39.83% | ||
| ENTERPRISE BANK INC (A THRIFT BANK) | 148,926,171.26 | 372,014,404.47 | 40.03% | ||
| CITYSTATE SAVINGS BANK INC | 78,417,232.11 | 185,543,258.69 | 42.26% | ||
| PAMPANGA DEVELOPMENT BANK | 32,319,534.28 | 69,353,372.83 | 46.60% | ||
| UNIVERSITY SAVINGS BANK INC | 43,842,434.66 | 92,295,812.86 | 47.50% | ||
| PRODUCERS SAVINGS BANK CORPORATION | 171,868,036.32 | 353,037,002.05 | 48.68% | ||
| LUZON DEVELOPMENT BANK | 207,825,009.13 | 416,440,693.84 | 49.91% | ||
| PACIFIC ACE SAVINGS BANK INC | 1,499,713.76 | 2,984,850.00 | 50.24% | ||
| RCBC SAVINGS BANK INC | 2,166,957,468.17 | 4,109,016,585.20 | 52.74% | ||
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 1,433,319.51 | 2,606,066.55 | 55.00% | ||
| CHINA BANK SAVINGS INC | 2,173,374,030.82 | 3,790,269,728.70 | 57.34% | ||
| EAST WEST BANKING CORP | 6,028,528,902.09 | 8,930,351,011.28 | 67.51% | ||
| UNITED COCONUT PLANTERS BANK | 3,490,576,572.71 | 5,128,033,818.99 | 68.07% | ||
| PHIL STAR DEVELOPMENT BANK INC | 9,276,107.75 | 13,483,385.28 | 68.80% | ||
| BPI FAMILY SAVINGS BANK INC | 7,140,640,820.52 | 9,790,467,131.53 | 72.93% | ||
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 3,337,624.39 | 4,347,508.72 | 76.77% | ||
| HIYAS BANKING CORPORATION | 28,859,545.81 | 37,495,017.41 | 76.97% | ||
| BPI DIRECT BANKO INC A SAVINGS BANK | 743,711,267.25 | 954,911,331.10 | 77.88% | ||
| PHILIPPINE VETERANS BANK | 1,704,851,375.58 | 2,181,098,696.83 | 78.16% | ||
| STANDARD CHARTERED BANK | 2,076,857,495.38 | 2,628,789,265.43 | 79.00% | ||
| PHIL SAVINGS BANK | 4,229,577,772.28 | 5,252,790,829.40 | 80.52% | ||
| LEGAZPI SAVINGS BANK INC | 267,915,422.76 | 329,579,647.69 | 81.29% | ||
| BANK OF MAKATI (A SAVINGS BANK) INC | 1,782,032,082.32 | 2,121,239,215.17 | 84.01% | ||
| ASIA UNITED BANK CORPORATION | 2,557,307,069.63 | 3,026,033,955.52 | 84.51% | ||
| FIRST CONSOLIDATED BANK INC (A PDB) | 598,493,763.36 | 705,237,796.65 | 84.86% | ||
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 127,898,091.74 | 145,138,725.50 | 88.12% | ||
| BANK ONE SAVINGS CORPORATION | 44,384,460.48 | 49,944,276.09 | 88.87% | ||
| BATAAN DEVELOPMENT BANK | 22,116,112.30 | 24,676,967.70 | 89.62% | ||
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 1,529,847,756.55 | 1,686,555,957.00 | 90.71% | ||
| YUANTA SAVINGS BANK PHILIPPINES INC | 103,959,106.39 | 113,530,881.58 | 91.57% | ||
| BANGKO KABAYAN INC (A PRIVATE DEVELOPMENT BANK) | 27,484,231.38 | 29,307,273.85 | 93.78% | ||
| PHIL BANK OF COMMUNICATIONS | 2,232,079,425.83 | 2,360,805,236.87 | 94.55% | ||
| RIZAL COMM'L BANKING CORP | 3,469,857,170.18 | 3,569,025,053.26 | 97.22% | ||
| LIFE SAVINGS BANK INC | 5,424,695.67 | 5,501,639.71 | 98.60% | ||
| MALAYAN BANK SAVINGS AND MORT BANK INC | 414,769,389.74 | 406,014,848.11 | 102.16% | ||
| MAXIMUM SAVINGS BANK INC | 10,709,623.18 | 10,342,264.54 | 103.55% | ||
| MAXIMUM SAVINGS BANK INC | 10,709,623.18 | 10,342,264.54 | 103.55% | ||
| BUSINESS AND CONSUMERS BANK (A DB) | 10,242,248.42 | 9,756,926.51 | 104.97% | ||
| NORTHPOINT DEV'T BANK INC | 124,190,688.07 | 117,143,695.58 | 106.02% | ||
| INTER-ASIA DEVELOPMENT BANK | 6,628,197.52 | 6,176,468.45 | 107.31% | ||
| DUMAGUETE CITY DEV BANK INC | 19,299,237.59 | 17,922,228.25 | 107.68% | ||
| ROBINSONS BANK CORPORATION | 874,576,172.78 | 791,070,048.46 | 110.56% | ||
| SUN SAVINGS BANK INC | 19,612,159.35 | 17,732,744.36 | 110.60% | ||
| CORDILLERA SAVINGS BANK INC | 15,115,675.60 | 13,442,527.92 | 112.45% | ||
| DEVELOPMENT BANK OF THE PHIL | 7,232,794,354.83 | 6,314,041,316.18 | 114.55% | ||
| MERCHANTS SAVINGS & LOAN ASSN INC | 79,906,370.97 | 67,454,694.49 | 118.46% | ||
| MERCHANTS SAVINGS & LOAN ASSN INC | 79,906,370.97 | 67,454,694.49 | 118.46% | ||
| UNION BANK OF THE PHILS | 8,869,250,015.55 | 7,464,200,947.49 | 118.82% | ||
| MAYBANK PHILIPPINES INCORPORATED | 1,967,154,226.15 | 1,654,606,707.98 | 118.89% | ||
| CENTURY SAVINGS BANK CORPORATION | 19,702,529.95 | 16,544,659.57 | 119.09% | ||
| LEMERY SAVINGS & LOAN BANK, INC. | 2,374,586.45 | 1,981,724.21 | 119.82% | ||
| THE PALAWAN BANK (PALAWAN DB) INC | 23,117,928.44 | 19,228,837.97 | 120.23% | ||
| BANK OF COMMERCE | 2,252,201,482.03 | 1,714,905,631.27 | 131.33% | ||
| PHIL NATIONAL BANK | 11,403,926,454.40 | 8,679,744,711.60 | 131.39% | ||
| FARMERS SAVINGS & LOAN BANK INC | 27,019,800.14 | 18,191,139.09 | 148.53% | ||
| CTBC BANK (PHILIPPINES) CORP | 753,239,497.59 | 496,282,907.62 | 151.78% | ||
| CARD SME BANK INC A THRIFT BANK | 145,936,911.85 | 88,020,494.62 | 165.80% | ||
| LAND BANK OF THE PHILIPPINES | 13,398,345,758.80 | 7,976,576,276.23 | 167.97% | ||
| BANK OF THE PHIL ISLANDS | 16,789,943,088.53 | 9,962,513,455.51 | 168.53% | ||
| BDO UNIBANK INC | 31,634,486,676.97 | 17,688,078,804.39 | 178.85% | ||
| METRO CEBU PUBLIC SAVINGS BANK | 18,946,249.25 | 9,340,189.11 | 202.85% | ||
| PHIL TRUST COMPANY | 2,693,239,225.85 | 1,277,448,244.94 | 210.83% | ||
| HSBC SAVINGS BANK(PHILS) INC | 103,782,524.11 | 47,493,373.87 | 218.52% | ||
| METROPOLITAN BANK & TCO | 17,600,268,142.31 | 6,457,035,907.54 | 272.58% | ||
| HONGKONG & SHANGHAI BANKING CORP | 1,680,479,111.28 | 576,180,886.39 | 291.66% | ||
| KEB HANA BANK - MANILA BRANCH | 82,992,871.97 | 28,266,209.64 | 293.61% | ||
| SECURITY BANK CORP | 6,090,025,018.16 | 1,962,296,925.07 | 310.35% | ||
| CHINA BANKING CORP | 8,363,288,057.83 | 2,569,254,055.11 | 325.51% | ||
| CITIBANK, N.A. | 3,928,907,029.10 | 928,476,627.31 | 423.16% | ||
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 31,745,501.19 | 2,578,975.82 | 1230.93% | ||
| BANGKOK BANK PUBLIC CO LTD | 411,008,000.00 | 30,625,504.25 | 1342.04% | ||
| ING BANK N.V. | 89,069,918.98 | 106.32 | 83775318.83% | ||
| AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED | 142,565,127.97 | 0.00 | NA | ||
| BANK OF AMERICA N.A. | 34,093,660.58 | 0.00 | NA | ||
| BANK OF CHINA LIMITED-MANILA BRANCH | 243,551,988.51 | 0.00 | NA | ||
| BDO PRIVATE BANK, INC. | 9,599,102.90 | 0.00 | NA | ||
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | 30,062,417.98 | 0.00 | NA | ||
| DEUTSCHE BANK AG | 179,433,093.04 | 0.00 | NA | ||
| FIRST COMMERCIAL BANK LTD MANILA BRANCH | 5,391,000.00 | 0.00 | NA | ||
| HUA NAN COMMERCIAL BANK LTD MANILA BRANCH | 138,745.60 | 0.00 | NA | ||
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | 23,346,757.13 | 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 | 126,332,409.24 | 0.00 | NA | ||
| MIZUHO BANK LTD - MANILA BRANCH | 489,988,770.84 | 0.00 | NA | ||
| MUFG BANK, LTD. | 388,210,030.46 | 0.00 | NA | ||
| SHINHAN BANK - MANILA BRANCH | 18,617,312.96 | 0.00 | NA | ||
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | 196,596,318.46 | 0.00 | NA | ||
| THE BNK OF TOKYO-MITSUBISHI UFJ LTD | 388,210,030.46 | 0.00 | NA | ||
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | 14,166,903.20 | 0.00 | NA | ||
| Grand Total | 186,752,863,729.36 | 149,069,150,608.36 | 125.28% | ||
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, four banks will be severely affected:
| Philippine Banking System | ||||||||
| Impact on SE of Minimum Loan Loss Provisions | ||||||||
| March 31, 2018 | ||||||||
| Bank | Gross NPLs | Minimum Loan Loss Provisions at 80% NPL Coverage Ratio | Stockholder's Equity | Impact on SE | ||||
| OVERSEAS FILIPINO BANK INC A SAVINGS BANK OF LANDBANK | 2,372,036,167.05 | 1,897,628,933.64 | 575,283,935.41 | -268.72% | ||||
| ENTERPRISE BANK INC (A THRIFT BANK) | 372,014,404.47 | 297,611,523.58 | 256,670,902.62 | -57.93% | ||||
| EQUICOM SAVINGS BANK INC | 611,032,784.07 | 488,826,227.26 | 721,342,861.05 | -35.20% | ||||
| UCPB SAVINGS BANK | 1,745,232,594.64 | 1,396,186,075.71 | 2,576,222,533.92 | -30.10% | ||||
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 1,699,159,473.33 | 1,359,327,578.66 | 2,617,171,615.23 | -26.08% | ||||
| LUZON DEVELOPMENT BANK | 416,440,693.84 | 333,152,555.07 | 569,392,826.39 | -22.01% | ||||
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS | 1,062,566,562.48 | 850,053,249.98 | 2,379,962,205.92 | -18.89% | ||||
| MALASIQUI PROGRESSIVE SLB, INC | 18,193,736.59 | 14,554,989.27 | 49,677,187.76 | -15.31% | ||||
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 588,001,638.40 | 470,401,310.72 | 1,709,639,863.89 | -14.30% | ||||
| WEALTH DEVELOPMENT BANK CORPORATION | 412,713,639.62 | 330,170,911.70 | 1,474,283,674.61 | -11.83% | ||||
| PAMPANGA DEVELOPMENT BANK | 69,353,372.83 | 55,482,698.26 | 207,713,272.18 | -11.15% | ||||
| CITYSTATE SAVINGS BANK INC | 185,543,258.69 | 148,434,606.95 | 682,120,704.96 | -10.26% | ||||
| CITY SAVINGS BANK INC | 2,301,306,789.86 | 1,841,045,431.89 | 14,203,775,349.59 | -9.66% | ||||
| CHINA BANK SAVINGS INC | 3,790,269,728.70 | 3,032,215,782.96 | 9,053,480,327.13 | -9.49% | ||||
| RCBC SAVINGS BANK INC | 4,109,016,585.20 | 3,287,213,268.16 | 12,686,760,226.17 | -8.83% | ||||
| PNB SAVINGS BANK | 2,124,019,395.12 | 1,699,215,516.10 | 11,656,394,712.00 | -8.25% | ||||
| UNIVERSITY SAVINGS BANK INC | 92,295,812.86 | 73,836,650.29 | 412,193,280.50 | -7.28% | ||||
| ALLBANK (A THRIFT BANK) INC | 134,213,404.65 | 107,370,723.72 | 1,022,343,970.93 | -7.28% | ||||
| PRODUCERS SAVINGS BANK CORPORATION | 353,037,002.05 | 282,429,601.64 | 1,804,812,249.70 | -6.13% | ||||
| UNITED COCONUT PLANTERS BANK | 5,128,033,818.99 | 4,102,427,055.19 | 16,377,078,239.62 | -3.74% | ||||
| EAST WEST BANKING CORP | 8,930,351,011.28 | 7,144,280,809.02 | 39,693,326,119.10 | -2.81% | ||||
| BPI FAMILY SAVINGS BANK INC | 9,790,467,131.53 | 7,832,373,705.22 | 28,023,825,708.56 | -2.47% | ||||
| PHIL STAR DEVELOPMENT BANK INC | 13,483,385.28 | 10,786,708.22 | 96,549,200.95 | -1.56% | ||||
| PACIFIC ACE SAVINGS BANK INC | 2,984,850.00 | 2,387,880.00 | 76,338,628.27 | -1.16% | ||||
| PHILIPPINE VETERANS BANK | 2,181,098,696.83 | 1,744,878,957.46 | 3,546,686,087.06 | -1.13% | ||||
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 2,606,066.55 | 2,084,853.24 | 59,156,808.09 | -1.10% | ||||
| BPI DIRECT BANKO INC A SAVINGS BANK | 954,911,331.10 | 763,929,064.88 | 2,153,005,938.46 | -0.94% | ||||
| HIYAS BANKING CORPORATION | 37,495,017.41 | 29,996,013.93 | 173,781,047.34 | -0.65% | ||||
| STANDARD CHARTERED BANK | 2,628,789,265.43 | 2,103,031,412.34 | 6,749,665,879.36 | -0.39% | ||||
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 4,347,508.72 | 3,478,006.98 | 222,678,391.14 | -0.06% | ||||
| HUA NAN COMMERCIAL BANK LTD MANILA BRANCH | 0.00 | 0.00 | 2,095,195,148.86 | 0.01% | ||||
| PHIL SAVINGS BANK | 5,252,790,829.40 | 4,202,232,663.52 | 21,323,053,833.17 | 0.13% | ||||
| BDO PRIVATE BANK, INC. | 0.00 | 0.00 | 5,453,472,151.95 | 0.18% | ||||
| FIRST COMMERCIAL BANK LTD MANILA BRANCH | 0.00 | 0.00 | 2,008,698,173.74 | 0.27% | ||||
| ASIA UNITED BANK CORPORATION | 3,026,033,955.52 | 2,420,827,164.42 | 27,557,243,684.03 | 0.50% | ||||
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | 0.00 | 0.00 | 5,182,801,228.08 | 0.58% | ||||
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | 0.00 | 0.00 | 2,380,887,784.77 | 0.60% | ||||
| ISLA BANK(A THRIFT BANK) INC | 0.00 | 0.00 | 683,537,077.73 | 0.63% | ||||
| CENTURY SAVINGS BANK CORPORATION | 16,544,659.57 | 13,235,727.66 | 1,001,502,299.84 | 0.65% | ||||
| BANK ONE SAVINGS CORPORATION | 49,944,276.09 | 39,955,420.87 | 594,847,657.82 | 0.74% | ||||
| FIRST CONSOLIDATED BANK INC (A PDB) | 705,237,796.65 | 564,190,237.32 | 4,447,438,408.10 | 0.77% | ||||
| LEGAZPI SAVINGS BANK INC | 329,579,647.69 | 263,663,718.15 | 543,738,187.58 | 0.78% | ||||
| BANGKO KABAYAN INC (A PRIVATE DEVELOPMENT BANK) | 29,307,273.85 | 23,445,819.08 | 477,960,046.90 | 0.84% | ||||
| SHINHAN BANK - MANILA BRANCH | 0.00 | 0.00 | 2,201,523,316.78 | 0.85% | ||||
| RIZAL COMM'L BANKING CORP | 3,569,025,053.26 | 2,855,220,042.61 | 68,100,028,004.45 | 0.90% | ||||
| LEMERY SAVINGS & LOAN BANK, INC. | 1,981,724.21 | 1,585,379.37 | 86,402,574.53 | 0.91% | ||||
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | 0.00 | 0.00 | 2,225,788,242.42 | 1.05% | ||||
| JP MORGAN CHASE BANK NATIONAL ASSN. | 0.00 | 0.00 | 1,482,157,317.84 | 1.08% | ||||
| BANK OF MAKATI (A SAVINGS BANK) INC | 2,121,239,215.17 | 1,696,991,372.14 | 7,707,227,776.13 | 1.10% | ||||
| YUANTA SAVINGS BANK PHILIPPINES INC | 113,530,881.58 | 90,824,705.26 | 922,179,895.91 | 1.42% | ||||
| LIFE SAVINGS BANK INC | 5,501,639.71 | 4,401,311.77 | 71,170,518.33 | 1.44% | ||||
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | 0.00 | 0.00 | 13,001,868,449.98 | 1.51% | ||||
| BANK OF AMERICA N.A. | 0.00 | 0.00 | 2,096,035,697.20 | 1.63% | ||||
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 1,686,555,957.00 | 1,349,244,765.60 | 10,342,565,339.90 | 1.75% | ||||
| DUMAGUETE CITY DEV BANK INC | 17,922,228.25 | 14,337,782.60 | 276,295,125.48 | 1.80% | ||||
| ROBINSONS BANK CORPORATION | 791,070,048.46 | 632,856,038.77 | 12,625,207,278.85 | 1.91% | ||||
| SUN SAVINGS BANK INC | 17,732,744.36 | 14,186,195.49 | 237,598,081.14 | 2.28% | ||||
| BANK OF CHINA LIMITED-MANILA BRANCH | 0.00 | 0.00 | 10,123,673,611.68 | 2.41% | ||||
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 145,138,725.50 | 116,110,980.40 | 486,118,728.58 | 2.42% | ||||
| INTER-ASIA DEVELOPMENT BANK | 6,176,468.45 | 4,941,174.76 | 67,741,101.66 | 2.49% | ||||
| BUSINESS AND CONSUMERS BANK (A DB) | 9,756,926.51 | 7,805,541.21 | 88,903,120.67 | 2.74% | ||||
| BATAAN DEVELOPMENT BANK | 24,676,967.70 | 19,741,574.16 | 85,864,003.12 | 2.77% | ||||
| PHIL BANK OF COMMUNICATIONS | 2,360,805,236.87 | 1,888,644,189.50 | 12,193,339,670.16 | 2.82% | ||||
| CORDILLERA SAVINGS BANK INC | 13,442,527.92 | 10,754,022.34 | 133,007,979.69 | 3.28% | ||||
| AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED | 0.00 | 0.00 | 4,236,427,985.62 | 3.37% | ||||
| ING BANK N.V. | 106.32 | 85.06 | 2,621,198,022.76 | 3.40% | ||||
| KEB HANA BANK - MANILA BRANCH | 28,266,209.64 | 22,612,967.71 | 1,557,742,517.72 | 3.88% | ||||
| HSBC SAVINGS BANK(PHILS) INC | 47,493,373.87 | 37,994,699.10 | 1,652,823,357.98 | 3.98% | ||||
| PHIL NATIONAL BANK | 8,679,744,711.60 | 6,943,795,769.28 | 110,115,102,783.46 | 4.05% | ||||
| UNION BANK OF THE PHILS | 7,464,200,947.49 | 5,971,360,757.99 | 68,746,659,791.74 | 4.22% | ||||
| SECURITY BANK CORP | 1,962,296,925.07 | 1,569,837,540.06 | 103,960,293,797.50 | 4.35% | ||||
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 2,578,975.82 | 2,063,180.66 | 677,897,962.11 | 4.38% | ||||
| MERCHANTS SAVINGS & LOAN ASSN INC | 67,454,694.49 | 53,963,755.59 | 568,142,385.86 | 4.57% | ||||
| MERCHANTS SAVINGS & LOAN ASSN INC | 67,454,694.49 | 53,963,755.59 | 568,142,385.86 | 4.57% | ||||
| DEVELOPMENT BANK OF THE PHIL | 6,314,041,316.18 | 5,051,233,052.94 | 47,564,672,250.07 | 4.59% | ||||
| BANK OF THE PHIL ISLANDS | 9,962,513,455.51 | 7,970,010,764.41 | 186,071,504,302.11 | 4.74% | ||||
| MAXIMUM SAVINGS BANK INC | 10,342,264.54 | 8,273,811.63 | 49,297,891.97 | 4.94% | ||||
| MAXIMUM SAVINGS BANK INC | 10,342,264.54 | 8,273,811.63 | 49,297,891.97 | 4.94% | ||||
| CTBC BANK (PHILIPPINES) CORP | 496,282,907.62 | 397,026,326.10 | 7,057,736,654.89 | 5.05% | ||||
| MAYBANK PHILIPPINES INCORPORATED | 1,654,606,707.98 | 1,323,685,366.38 | 12,672,853,485.28 | 5.08% | ||||
| BANK OF COMMERCE | 1,714,905,631.27 | 1,371,924,505.02 | 15,421,530,110.54 | 5.71% | ||||
| BDO UNIBANK INC | 17,688,078,804.39 | 14,150,463,043.51 | 298,798,395,425.01 | 5.85% | ||||
| METROPOLITAN BANK & TCO | 6,457,035,907.54 | 5,165,628,726.03 | 207,671,217,224.36 | 5.99% | ||||
| LAND BANK OF THE PHILIPPINES | 7,976,576,276.23 | 6,381,261,020.98 | 108,366,736,685.40 | 6.48% | ||||
| MEGA INT'L COMM'L BANK CO LTD | 0.00 | 0.00 | 1,895,565,404.00 | 6.66% | ||||
| CARD SME BANK INC A THRIFT BANK | 88,020,494.62 | 70,416,395.70 | 1,035,686,910.72 | 7.29% | ||||
| MALAYAN BANK SAVINGS AND MORT BANK INC | 406,014,848.11 | 324,811,878.49 | 1,200,949,700.84 | 7.49% | ||||
| PHIL TRUST COMPANY | 1,277,448,244.94 | 1,021,958,595.95 | 21,772,279,045.71 | 7.68% | ||||
| DEUTSCHE BANK AG | 0.00 | 0.00 | 2,293,567,648.05 | 7.82% | ||||
| THE BNK OF TOKYO-MITSUBISHI UFJ LTD | 0.00 | 0.00 | 4,665,723,811.53 | 8.32% | ||||
| CHINA BANKING CORP | 2,569,254,055.11 | 2,055,403,244.09 | 74,797,575,576.60 | 8.43% | ||||
| MUFG BANK, LTD. | 0.00 | 0.00 | 4,583,142,130.78 | 8.47% | ||||
| NORTHPOINT DEV'T BANK INC | 117,143,695.58 | 93,714,956.46 | 351,178,908.00 | 8.68% | ||||
| MIZUHO BANK LTD - MANILA BRANCH | 0.00 | 0.00 | 5,575,924,360.63 | 8.79% | ||||
| HONGKONG & SHANGHAI BANKING CORP | 576,180,886.39 | 460,944,709.11 | 13,633,923,197.71 | 8.94% | ||||
| FARMERS SAVINGS & LOAN BANK INC | 18,191,139.09 | 14,552,911.27 | 132,521,313.38 | 9.41% | ||||
| BANGKOK BANK PUBLIC CO LTD | 30,625,504.25 | 24,500,403.40 | 3,148,882,045.35 | 12.27% | ||||
| CITIBANK, N.A. | 928,476,627.31 | 742,781,301.85 | 15,758,089,456.63 | 20.22% | ||||
| METRO CEBU PUBLIC SAVINGS BANK | 9,340,189.11 | 7,472,151.29 | 54,425,535.71 | 21.08% | ||||
| THE PALAWAN BANK (PALAWAN DB) INC | 19,228,837.97 | 15,383,070.38 | 36,601,723.72 | 21.13% | ||||
| Grand Total | 149,069,150,608.36 | 119,255,320,486.69 | 1,709,500,114,946.55 | 3.95% | ||||
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 March 31, 2018".
The most
notable of the banks in this list is Overseas Filipino Bank Inc. The bank faces a shortfall of 268.72% of its
stated
stockholder's equity of Php 575.29 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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