Editor's Note: According to the BSP website, www.bsp.gov.ph, a record 9 banks do not have Published Statements of Condition for the quarter ended on September 30, 2018. This comprises 9% of the 100 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. And now that number is now 9 as of September 30, 2018.
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 | ||
| September 30, 2018 | ||
| Bank | Type of Bank | Published Statement of Condition |
| ANZ BANKING GROUP LTD | U/KB | NA |
| BANGKOK BANK PUBLIC CO LTD | U/KB | NA |
| BATAAN SAVINGS AND LOAN BANK | Thrift Bank | NA |
| LUZON DEVELOPMENT BANK | Thrift Bank | NA |
| MALASIQUI PROGRESSIVE SLB, INC | Thrift Bank | NA |
| MAXIMUM SAVINGS BANK | Thrift Bank | NA |
| PHILIPPINE VETERANS BANK | U/KB | NA |
| THE PALAWAN BANK (PALAWAN DB) INC | Thrift Bank | NA |
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | 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:
- Total Capital Adequacy Ratio
- Tier One Capital Adequacy Ratio
- 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 September 30, 2018, Total CAR is 15.75%, within the range of 15% to 20% of the last 31 years.
Every quarter, several Philippine Banks do not meet these guidelines. As of September 30, 2018, the banks that failed to meet BSP's recommended minimum capital requirements are as follows:
TOTAL CAR:
- United Coconut Planters Bank (Total CAR of 7.29)
TIER ONE CAR
Three banks
reported Tier One CAR of 0.00 as of September 30, 2018. Of those that did
report Tier One CAR greater than 0.00, four banks have less than the
BSP-recommended Tier One CARs of 10.00. These banks are:
- Sterling Bank of Asia (Tier One CAR of 7.15)
- United Coconut Planters Bank (Tier One CAR of 7.29)
- Enterprise Bank Inc (Tier One CAR of 8.47)
- City Savings Bank (Tier One CAR of 9.20)
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-nine banks reported their CET1 Ratio as 0.00 for September 30, 2018.
However, of
those banks that did report a CET1 Ratio other than 0.00, only one bank reported CET1 Ratios below BSP's recommended ratio:
- City Savings Bank (Common Equity Tier One CAR of 9.20)
The Total CAR, Tier 1 CAR, and Common Equity Tier 1 CAR of Philippine Banks as of September 30, 2018 is as follows:(Banks that do not meet BSP's minimum capital requirements are highlighted in yellow):
| Philippine Banking System | ||
| TOTAL CAR | ||
| September 30, 2018 | ||
| Bank | Type of Bank | Total CAR |
| UNITED COCONUT PLANTERS BANK | U/KB | 7.29 |
| CITY SAVINGS BANK INC | Thrift Bank | 10.00 |
| EQUICOM SAVINGS BANK INC | Thrift Bank | 10.80 |
| ENTERPRISE BANK INC (A THRIFT BANK) | Thrift Bank | 11.05 |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | Thrift Bank | 11.45 |
| CHINA BANK SAVINGS INC | Thrift Bank | 11.58 |
| LAND BANK OF THE PHILIPPINES | U/KB | 11.76 |
| PHIL NATIONAL BANK | U/KB | 11.84 |
| MUFG BANK INC | U/KB | 11.88 |
| OVERSEAS FILIPINO BANK | Thrift Bank | 12.55 |
| MIZUHO BANK LTD - MANILA BRANCH | U/KB | 12.91 |
| CHINA BANKING CORP | U/KB | 13.03 |
| PRODUCERS SAVINGS BANK CORPORATION | Thrift Bank | 13.08 |
| EAST WEST BANKING CORP | U/KB | 13.13 |
| RCBC SAVINGS BANK INC | Thrift Bank | 13.19 |
| BDO UNIBANK INC | U/KB | 13.45 |
| PHIL SAVINGS BANK | Thrift Bank | 13.79 |
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | Thrift Bank | 13.92 |
| CITIBANK, N.A. | U/KB | 14.15 |
| UCPB SAVINGS BANK | Thrift Bank | 14.16 |
| MAYBANK PHILIPPINES INC | U/KB | 14.29 |
| ASIA UNITED BANK CORPORATION | U/KB | 14.44 |
| DEVELOPMENT BANK OF THE PHIL | U/KB | 14.51 |
| PHIL BANK OF COMMUNICATIONS | U/KB | 14.54 |
| METRO CEBU PUBLIC SAVINGS BANK | Thrift Bank | 14.58 |
| FARMERS SAVINGS & LOAN BANK INC | Thrift Bank | 15.41 |
| DEUTSCHE BANK AG | U/KB | 15.53 |
| BANK OF THE PHIL ISLANDS | U/KB | 16.07 |
| MALAYAN BANK SAVINGS AND MORT BANK INC | Thrift Bank | 16.22 |
| ROBINSONS BANK CORPORATION | U/KB | 16.34 |
| BANK OF COMMERCE | U/KB | 16.35 |
| UNION BANK OF THE PHILS | U/KB | 16.38 |
| CTBC BANK (PHILIPPINES) CORP | U/KB | 16.55 |
| STANDARD CHARTERED BANK | U/KB | 16.66 |
| BDO PRIVATE BANK, INC. | U/KB | 17.03 |
| METROPOLITAN BANK & TRUST CO | U/KB | 17.18 |
| HONGKONG & SHANGHAI BANKING CORP | U/KB | 17.54 |
| RIZAL COMM'L BANKING CORP | U/KB | 17.62 |
| CITYSTATE SAVINGS BANK INC | Thrift Bank | 17.64 |
| BPI FAMILY SAVINGS BANK INC | Thrift Bank | 17.75 |
| BANGKO KABAYAN INC | Thrift Bank | 17.83 |
| SECURITY BANK CORP | U/KB | 17.84 |
| CARD SME BANK INC A THRIFT BANK | Thrift Bank | 18.42 |
| 1st VALLEY BANK INC A DEVELOPMENT BANK | Thrift Bank | 19.09 |
| BATAAN DEVELOPMENT BANK | Thrift Bank | 19.85 |
| WEALTH DEVELOPMENT BANK CORPORATION | Thrift Bank | 20.12 |
| MEGA INT'L COMM'L BANK CO LTD | U/KB | 20.74 |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | Thrift Bank | 20.90 |
| BANK OF MAKATI (A SAVINGS BANK) INC | Thrift Bank | 21.04 |
| PNB SAVINGS BANK | Thrift Bank | 21.24 |
| BPI DIRECT BANKO INC | Thrift Bank | 21.31 |
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS | Thrift Bank | 21.72 |
| HIYAS BANKING CORPORATION | Thrift Bank | 21.91 |
| INTER-ASIA DEVELOPMENT BANK | Thrift Bank | 23.15 |
| SUN SAVINGS BANK INC | Thrift Bank | 23.85 |
| BANK ONE SAVINGS AND TRUST CORP. | Thrift Bank | 25.04 |
| BUSINESS AND CONSUMERS BANK (A DB) | Thrift Bank | 25.26 |
| KEB HANA BANK - MANILA BRANCH | U/KB | 26.01 |
| UNIVERSITY SAVINGS BANK INC | Thrift Bank | 26.89 |
| DUMAGUETE CITY DEV BANK INC | Thrift Bank | 26.93 |
| MARITIME SAVINGS BANK CORPORATION | Thrift Bank | 27.65 |
| JP MORGAN CHASE BANK NATIONAL ASSN. | U/KB | 28.86 |
| HSBC SAVINGS BANK PHILIPPINES | Thrift Bank | 30.23 |
| FIRST CONSOLIDATED BANK INC (A PDB) | Thrift Bank | 30.91 |
| LEGAZPI SAVINGS BANK INC | Thrift Bank | 30.99 |
| PHIL TRUST COMPANY | U/KB | 32.64 |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | Thrift Bank | 33.28 |
| LIFE SAVINGS BANK INC | Thrift Bank | 33.30 |
| LEMERY SAVINGS & LOAN BANK, INC. | Thrift Bank | 35.95 |
| CORDILLERA SAVINGS BANK INC | Thrift Bank | 36.71 |
| MERCHANTS SAVINGS & LOAN ASSN INC | Thrift Bank | 36.85 |
| NORTHPOINT DEV'T BANK INC | Thrift Bank | 39.59 |
| PAMPANGA DEVELOPMENT BANK | Thrift Bank | 44.13 |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | U/KB | 45.43 |
| BANK OF AMERICA N.A. | U/KB | 46.18 |
| YUANTA SAVINGS BANK PHILIPPINES INC | Thrift Bank | 47.54 |
| PACIFIC ACE SAVINGS BANK INC | Thrift Bank | 49.03 |
| SUMITOMO MITSUI BANKING CORPORATION - MANILA BRANCH | U/KB | 49.23 |
| ALLBANK | Thrift Bank | 51.83 |
| ING BANK N.V. | U/KB | 55.11 |
| BANK OF CHINA LIMITED | U/KB | 56.30 |
| PHIL STAR DEVELOPMENT BANK INC | Thrift Bank | 60.23 |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | Thrift Bank | 68.82 |
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | U/KB | 71.00 |
| CENTURY SAVINGS BANK CORPORATION | Thrift Bank | 79.20 |
| SHINHAN BANK - MANILA BRANCH | U/KB | 93.87 |
| ISLA BANK(A THRIFT BANK) INC | Thrift Bank | 116.02 |
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | U/KB | 162.36 |
| FIRST COMMERCIAL BANK | U/KB | 206.18 |
| CHANG HWA COMMERCIAL BANK LTD – MANILA BRANCH | U/KB | 379.04 |
| HUA NAN COMMERCIAL BANK LTD MANILA BRANCH | U/KB | 1355.04 |
| ANZ BANKING GROUP LTD | U/KB | NA |
| BANGKOK BANK PUBLIC CO LTD | U/KB | NA |
| BATAAN SAVINGS AND LOAN BANK | Thrift Bank | NA |
| LUZON DEVELOPMENT BANK | Thrift Bank | NA |
| MALASIQUI PROGRESSIVE SLB, INC | Thrift Bank | NA |
| MAXIMUM SAVINGS BANK | Thrift Bank | NA |
| PHILIPPINE VETERANS BANK | U/KB | NA |
| THE PALAWAN BANK (PALAWAN DB) INC | Thrift Bank | NA |
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | U/KB | NA |
| Philippine Banking System | ||
| Tier One CAR | ||
| September 30, 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 |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | Thrift Bank | 7.15 |
| UNITED COCONUT PLANTERS BANK | U/KB | 7.29 |
| ENTERPRISE BANK INC (A THRIFT BANK) | Thrift Bank | 8.47 |
| CITY SAVINGS BANK INC | Thrift Bank | 9.20 |
| EQUICOM SAVINGS BANK INC | Thrift Bank | 10.15 |
| EAST WEST BANKING CORP | U/KB | 10.44 |
| CHINA BANK SAVINGS INC | Thrift Bank | 10.64 |
| LAND BANK OF THE PHILIPPINES | U/KB | 10.93 |
| DEVELOPMENT BANK OF THE PHIL | U/KB | 10.96 |
| PHIL NATIONAL BANK | U/KB | 11.08 |
| PHIL SAVINGS BANK | Thrift Bank | 11.09 |
| MAYBANK PHILIPPINES INC | U/KB | 11.15 |
| ASIA UNITED BANK CORPORATION | U/KB | 11.18 |
| MUFG BANK INC | U/KB | 11.21 |
| PHIL BANK OF COMMUNICATIONS | U/KB | 11.78 |
| MIZUHO BANK LTD - MANILA BRANCH | U/KB | 11.97 |
| BDO UNIBANK INC | U/KB | 12.02 |
| OVERSEAS FILIPINO BANK | Thrift Bank | 12.27 |
| CHINA BANKING CORP | U/KB | 12.31 |
| RCBC SAVINGS BANK INC | Thrift Bank | 12.48 |
| PRODUCERS SAVINGS BANK CORPORATION | Thrift Bank | 12.58 |
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | Thrift Bank | 12.99 |
| CITIBANK, N.A. | U/KB | 13.36 |
| UCPB SAVINGS BANK | Thrift Bank | 13.37 |
| UNIVERSITY SAVINGS BANK INC | Thrift Bank | 13.44 |
| UNION BANK OF THE PHILS | U/KB | 13.78 |
| RIZAL COMM'L BANKING CORP | U/KB | 14.24 |
| METROPOLITAN BANK & TRUST CO | U/KB | 14.46 |
| METRO CEBU PUBLIC SAVINGS BANK | Thrift Bank | 14.55 |
| DEUTSCHE BANK AG | U/KB | 14.72 |
| BANK OF THE PHIL ISLANDS | U/KB | 15.15 |
| FARMERS SAVINGS & LOAN BANK INC | Thrift Bank | 15.41 |
| ROBINSONS BANK CORPORATION | U/KB | 15.50 |
| SECURITY BANK CORP | U/KB | 15.58 |
| BANK OF COMMERCE | U/KB | 15.63 |
| CTBC BANK (PHILIPPINES) CORP | U/KB | 15.65 |
| MALAYAN BANK SAVINGS AND MORT BANK INC | Thrift Bank | 15.70 |
| STANDARD CHARTERED BANK | U/KB | 16.19 |
| BDO PRIVATE BANK, INC. | U/KB | 16.87 |
| BPI FAMILY SAVINGS BANK INC | Thrift Bank | 16.89 |
| HONGKONG & SHANGHAI BANKING CORP | U/KB | 16.92 |
| CITYSTATE SAVINGS BANK INC | Thrift Bank | 17.20 |
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS | Thrift Bank | 17.38 |
| BANGKO KABAYAN INC | Thrift Bank | 17.55 |
| CARD SME BANK INC A THRIFT BANK | Thrift Bank | 17.67 |
| 1st VALLEY BANK INC A DEVELOPMENT BANK | Thrift Bank | 18.74 |
| WEALTH DEVELOPMENT BANK CORPORATION | Thrift Bank | 19.28 |
| BATAAN DEVELOPMENT BANK | Thrift Bank | 19.40 |
| MEGA INT'L COMM'L BANK CO LTD | U/KB | 19.79 |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | Thrift Bank | 20.12 |
| BPI DIRECT BANKO INC | Thrift Bank | 20.44 |
| PNB SAVINGS BANK | Thrift Bank | 20.87 |
| BANK OF MAKATI (A SAVINGS BANK) INC | Thrift Bank | 21.04 |
| BANK ONE SAVINGS AND TRUST CORP. | Thrift Bank | 21.04 |
| HIYAS BANKING CORPORATION | Thrift Bank | 21.56 |
| SUN SAVINGS BANK INC | Thrift Bank | 22.97 |
| BUSINESS AND CONSUMERS BANK (A DB) | Thrift Bank | 24.86 |
| KEB HANA BANK - MANILA BRANCH | U/KB | 26.01 |
| DUMAGUETE CITY DEV BANK INC | Thrift Bank | 26.46 |
| JP MORGAN CHASE BANK NATIONAL ASSN. | U/KB | 28.73 |
| HSBC SAVINGS BANK PHILIPPINES | Thrift Bank | 29.51 |
| FIRST CONSOLIDATED BANK INC (A PDB) | Thrift Bank | 30.03 |
| LEGAZPI SAVINGS BANK INC | Thrift Bank | 30.23 |
| PHIL TRUST COMPANY | U/KB | 32.29 |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | Thrift Bank | 32.58 |
| LIFE SAVINGS BANK INC | Thrift Bank | 33.06 |
| LEMERY SAVINGS & LOAN BANK, INC. | Thrift Bank | 34.53 |
| CORDILLERA SAVINGS BANK INC | Thrift Bank | 36.20 |
| MERCHANTS SAVINGS & LOAN ASSN INC | Thrift Bank | 36.24 |
| NORTHPOINT DEV'T BANK INC | Thrift Bank | 38.98 |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | U/KB | 44.74 |
| BANK OF AMERICA N.A. | U/KB | 45.77 |
| YUANTA SAVINGS BANK PHILIPPINES INC | Thrift Bank | 47.54 |
| PACIFIC ACE SAVINGS BANK INC | Thrift Bank | 48.76 |
| SUMITOMO MITSUI BANKING CORPORATION - MANILA BRANCH | U/KB | 49.14 |
| ING BANK N.V. | U/KB | 54.68 |
| BANK OF CHINA LIMITED | U/KB | 55.49 |
| PHIL STAR DEVELOPMENT BANK INC | Thrift Bank | 60.23 |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | Thrift Bank | 68.09 |
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | U/KB | 70.15 |
| CENTURY SAVINGS BANK CORPORATION | Thrift Bank | 78.41 |
| SHINHAN BANK - MANILA BRANCH | U/KB | 93.22 |
| ISLA BANK(A THRIFT BANK) INC | Thrift Bank | 115.54 |
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | U/KB | 161.41 |
| FIRST COMMERCIAL BANK | U/KB | 205.51 |
| PAMPANGA DEVELOPMENT BANK | Thrift Bank | 211.69 |
| CHANG HWA COMMERCIAL BANK LTD – MANILA BRANCH | U/KB | 379.04 |
| HUA NAN COMMERCIAL BANK LTD MANILA BRANCH | U/KB | 1355.04 |
| ANZ BANKING GROUP LTD | U/KB | NA |
| BANGKOK BANK PUBLIC CO LTD | U/KB | NA |
| BATAAN SAVINGS AND LOAN BANK | Thrift Bank | NA |
| LUZON DEVELOPMENT BANK | Thrift Bank | NA |
| MALASIQUI PROGRESSIVE SLB, INC | Thrift Bank | NA |
| MAXIMUM SAVINGS BANK | Thrift Bank | NA |
| PHILIPPINE VETERANS BANK | U/KB | NA |
| THE PALAWAN BANK (PALAWAN DB) INC | Thrift Bank | NA |
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | U/KB | NA |
| VILLAGE BANK INC (A THRIFT BANK) | Thrift Bank | NA |
| Philippine Banking System | ||
| Common Tier 1 Ratio | ||
| September 30, 2018 | ||
| Bank | Type of Bank | Common Tier 1 Ratio |
| 1st VALLEY BANK INC A DEVELOPMENT BANK | Thrift Bank | 0.00 |
| ALLBANK | Thrift Bank | 0.00 |
| BANGKO KABAYAN INC | Thrift Bank | 0.00 |
| BANK OF MAKATI (A SAVINGS BANK) INC | Thrift Bank | 0.00 |
| BATAAN DEVELOPMENT BANK | Thrift Bank | 0.00 |
| BUSINESS AND CONSUMERS BANK (A DB) | 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 |
| FIRST CONSOLIDATED BANK INC (A PDB) | 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 |
| 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 BUSINESS BANK INC A SAVINGS BANK | 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 |
| UNITED COCONUT PLANTERS BANK | U/KB | 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 |
| CITY SAVINGS BANK INC | Thrift Bank | 9.20 |
| EAST WEST BANKING CORP | U/KB | 10.44 |
| CHINA BANK SAVINGS INC | Thrift Bank | 10.64 |
| LAND BANK OF THE PHILIPPINES | U/KB | 10.93 |
| DEVELOPMENT BANK OF THE PHIL | U/KB | 10.96 |
| PHIL NATIONAL BANK | U/KB | 11.08 |
| PHIL SAVINGS BANK | Thrift Bank | 11.09 |
| MAYBANK PHILIPPINES INC | U/KB | 11.15 |
| ASIA UNITED BANK CORPORATION | U/KB | 11.18 |
| MUFG BANK INC | U/KB | 11.21 |
| BDO UNIBANK INC | U/KB | 11.77 |
| PHIL BANK OF COMMUNICATIONS | U/KB | 11.78 |
| MIZUHO BANK LTD - MANILA BRANCH | U/KB | 11.97 |
| OVERSEAS FILIPINO BANK | Thrift Bank | 12.27 |
| CHINA BANKING CORP | U/KB | 12.31 |
| RCBC SAVINGS BANK INC | Thrift Bank | 12.48 |
| CITIBANK, N.A. | U/KB | 13.36 |
| UCPB SAVINGS BANK | Thrift Bank | 13.37 |
| UNION BANK OF THE PHILS | U/KB | 13.78 |
| RIZAL COMM'L BANKING CORP | U/KB | 14.24 |
| METROPOLITAN BANK & TRUST CO | U/KB | 14.46 |
| DEUTSCHE BANK AG | U/KB | 14.72 |
| BANK OF THE PHIL ISLANDS | U/KB | 15.15 |
| ROBINSONS BANK CORPORATION | U/KB | 15.50 |
| SECURITY BANK CORP | U/KB | 15.58 |
| BANK OF COMMERCE | U/KB | 15.63 |
| CTBC BANK (PHILIPPINES) CORP | U/KB | 15.65 |
| STANDARD CHARTERED BANK | U/KB | 16.19 |
| BDO PRIVATE BANK, INC. | U/KB | 16.87 |
| BPI FAMILY SAVINGS BANK INC | Thrift Bank | 16.89 |
| HONGKONG & SHANGHAI BANKING CORP | U/KB | 16.92 |
| MEGA INT'L COMM'L BANK CO LTD | U/KB | 19.79 |
| BPI DIRECT BANKO INC | Thrift Bank | 20.44 |
| PNB SAVINGS BANK | Thrift Bank | 20.87 |
| BANK ONE SAVINGS AND TRUST CORP. | Thrift Bank | 21.04 |
| KEB HANA BANK - MANILA BRANCH | U/KB | 26.01 |
| JP MORGAN CHASE BANK NATIONAL ASSN. | U/KB | 28.73 |
| HSBC SAVINGS BANK PHILIPPINES | Thrift Bank | 29.51 |
| LEGAZPI SAVINGS BANK INC | Thrift Bank | 30.23 |
| PHIL TRUST COMPANY | U/KB | 32.29 |
| MERCHANTS SAVINGS & LOAN ASSN INC | Thrift Bank | 36.24 |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | U/KB | 44.74 |
| BANK OF AMERICA N.A. | U/KB | 45.77 |
| SUMITOMO MITSUI BANKING CORPORATION - MANILA BRANCH | U/KB | 49.14 |
| ING BANK N.V. | U/KB | 54.68 |
| BANK OF CHINA LIMITED | U/KB | 55.49 |
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | U/KB | 70.15 |
| SHINHAN BANK - MANILA BRANCH | U/KB | 93.22 |
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | U/KB | 161.41 |
| FIRST COMMERCIAL BANK | U/KB | 205.51 |
| CHANG HWA COMMERCIAL BANK LTD – MANILA BRANCH | U/KB | 379.04 |
| HUA NAN COMMERCIAL BANK LTD MANILA BRANCH | U/KB | 1355.04 |
| ANZ BANKING GROUP LTD | U/KB | NA |
| BANGKOK BANK PUBLIC CO LTD | U/KB | NA |
| BATAAN SAVINGS AND LOAN BANK | Thrift Bank | NA |
| LUZON DEVELOPMENT BANK | Thrift Bank | NA |
| MALASIQUI PROGRESSIVE SLB, INC | Thrift Bank | NA |
| MAXIMUM SAVINGS BANK | Thrift Bank | NA |
| PHILIPPINE VETERANS BANK | U/KB | NA |
| THE PALAWAN BANK (PALAWAN DB) INC | Thrift Bank | NA |
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | U/KB | NA |
| VILLAGE BANK INC (A THRIFT BANK) | Thrift Bank | NA |
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