Editor's Note: According to the BSP website, www.bsp.gov.ph, a record 8 banks do not have Published Statements of Condition for the quarter ended on December 31, 2018. This comprises 8% of the 101 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. On September 30, 2018, that number grew to 9. As of December 31, 2018, that number decreased by 1, to 8.
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 | ||
| December 31, 2018 | ||
| Bank | Type of Bank | Published Statement of Condition |
| BATAAN SAVINGS AND LOAN BANK | Thrift Bank | NA |
| CITY SAVINGS BANK INC | Thrift Bank | NA |
| MALASIQUI PROGRESSIVE SLB, INC | Thrift Bank | NA |
| MAXIMUM SAVINGS BANK | Thrift Bank | NA |
| OVERSEAS FILIPINO BANK | Thrift Bank | NA |
| PHILIPPINE VETERANS BANK | U/KB | NA |
| THE PALAWAN BANK (PALAWAN DB) INC | Thrift Bank | NA |
| UNITED COCONUT PLANTERS BANK | 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 December 31, 2018, Total CAR is 15.44%, within the range of 15% to 20% of the last 31 years.
Every quarter, several Philippine Banks do not meet these guidelines. As of December 31, 2018, the banks that failed to meet BSP's recommended minimum capital requirements are as follows:
TOTAL CAR:
- Philippine Business Bank (Total CAR of 7.12)
TIER ONE CAR
Three banks
reported Tier One CAR of 0.00 as of December 31, 2018. Of those that did
report Tier One CAR greater than 0.00, three banks have less than the
BSP-recommended Tier One CARs of 10.00. These banks are:
- Enterprise Bank Inc (Tier One CAR of 7.10)
- Sterling Bank of Asia (Tier One CAR of 7.14)
- Luzon Development Bank (Tier One CAR of 9.46)
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-six banks reported their CET1 Ratio as 0.00 for December 31, 2018.
However, of
those banks that did report a CET1 Ratio other than 0.00, no bank reported CET1 Ratios below BSP's recommended ratio.
The Total CAR, Tier 1 CAR, and Common Equity Tier 1 CAR of Philippine Banks as of December 31, 2018 is as follows:(Banks that do not meet BSP's minimum capital requirements are highlighted in yellow):
| Philippine Banking System | ||
| TOTAL CAR | ||
| December 31, 2018 | ||
| Bank | Type of Bank | Total CAR |
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | Thrift Bank | 7.12 |
| LUZON DEVELOPMENT BANK | Thrift Bank | 10.05 |
| ENTERPRISE BANK INC (A THRIFT BANK) | Thrift Bank | 10.09 |
| FARMERS SAVINGS & LOAN BANK INC | Thrift Bank | 10.75 |
| EQUICOM SAVINGS BANK INC | Thrift Bank | 10.96 |
| CHINA BANK SAVINGS INC | Thrift Bank | 11.34 |
| MUFG BANK INC | U/KB | 11.40 |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | Thrift Bank | 11.40 |
| PHIL NATIONAL BANK | U/KB | 11.63 |
| 1st VALLEY BANK INC A DEVELOPMENT BANK | Thrift Bank | 11.74 |
| FIRST CONSOLIDATED BANK INC (A PDB) | Thrift Bank | 12.27 |
| LAND BANK OF THE PHILIPPINES | U/KB | 12.65 |
| PRODUCERS SAVINGS BANK CORPORATION | Thrift Bank | 12.67 |
| EAST WEST BANKING CORP | U/KB | 12.77 |
| RCBC SAVINGS BANK INC | Thrift Bank | 12.80 |
| CHINA BANKING CORP | U/KB | 13.03 |
| BDO UNIBANK INC | U/KB | 13.31 |
| DEVELOPMENT BANK OF THE PHIL | U/KB | 13.66 |
| PHIL SAVINGS BANK | Thrift Bank | 13.88 |
| UCPB SAVINGS BANK | Thrift Bank | 13.91 |
| MIZUHO BANK LTD - MANILA BRANCH | U/KB | 13.92 |
| MAYBANK PHILIPPINES INC | U/KB | 14.38 |
| PHIL BANK OF COMMUNICATIONS | U/KB | 14.50 |
| BANK OF THE PHIL ISLANDS | U/KB | 14.82 |
| ASIA UNITED BANK CORPORATION | U/KB | 14.92 |
| ROBINSONS BANK CORPORATION | U/KB | 15.01 |
| BANK OF COMMERCE | U/KB | 15.06 |
| CITIBANK, N.A. | U/KB | 15.52 |
| METRO CEBU PUBLIC SAVINGS BANK | Thrift Bank | 15.53 |
| UNION BANK OF THE PHILS | U/KB | 15.57 |
| METROPOLITAN BANK & TRUST CO | U/KB | 15.82 |
| DEUTSCHE BANK AG | U/KB | 15.84 |
| CITYSTATE SAVINGS BANK INC | Thrift Bank | 15.87 |
| MALAYAN BANK SAVINGS AND MORT BANK INC | Thrift Bank | 16.30 |
| CTBC BANK (PHILIPPINES) CORP | U/KB | 16.33 |
| RIZAL COMM'L BANKING CORP | U/KB | 16.50 |
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS | Thrift Bank | 17.42 |
| BANGKO KABAYAN INC | Thrift Bank | 17.69 |
| BPI FAMILY SAVINGS BANK INC | Thrift Bank | 17.75 |
| SECURITY BANK CORP | U/KB | 17.89 |
| CARD SME BANK INC A THRIFT BANK | Thrift Bank | 18.19 |
| HONGKONG & SHANGHAI BANKING CORP | U/KB | 18.43 |
| BDO PRIVATE BANK, INC. | U/KB | 18.52 |
| STANDARD CHARTERED BANK | U/KB | 18.55 |
| WEALTH DEVELOPMENT BANK CORPORATION | Thrift Bank | 18.97 |
| ANZ BANKING GROUP LTD | U/KB | 19.17 |
| PNB SAVINGS BANK | Thrift Bank | 20.40 |
| BPI DIRECT BANKO INC | Thrift Bank | 20.87 |
| BATAAN DEVELOPMENT BANK | Thrift Bank | 20.89 |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | Thrift Bank | 20.99 |
| SUN SAVINGS BANK INC | Thrift Bank | 21.70 |
| HIYAS BANKING CORPORATION | Thrift Bank | 21.91 |
| BANK OF MAKATI (A SAVINGS BANK) INC | Thrift Bank | 22.09 |
| INTER-ASIA DEVELOPMENT BANK | Thrift Bank | 23.91 |
| DUMAGUETE CITY DEV BANK INC | Thrift Bank | 25.51 |
| BUSINESS AND CONSUMERS BANK (A DB) | Thrift Bank | 25.66 |
| LIFE SAVINGS BANK INC | Thrift Bank | 26.24 |
| MARITIME SAVINGS BANK CORPORATION | Thrift Bank | 27.65 |
| KEB HANA BANK - MANILA BRANCH | U/KB | 27.69 |
| JP MORGAN CHASE BANK NATIONAL ASSN. | U/KB | 28.13 |
| LEGAZPI SAVINGS BANK INC | Thrift Bank | 29.16 |
| UNIVERSITY SAVINGS BANK INC | Thrift Bank | 30.14 |
| MEGA INT'L COMM'L BANK CO LTD | U/KB | 32.06 |
| HSBC SAVINGS BANK PHILIPPINES | Thrift Bank | 33.14 |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | Thrift Bank | 33.59 |
| PHIL TRUST COMPANY | U/KB | 34.12 |
| BANGKOK BANK PUBLIC CO LTD | U/KB | 34.67 |
| MERCHANTS SAVINGS & LOAN ASSN INC | Thrift Bank | 35.40 |
| LEMERY SAVINGS & LOAN BANK, INC. | Thrift Bank | 38.00 |
| CORDILLERA SAVINGS BANK INC | Thrift Bank | 38.05 |
| ING BANK N.V. | U/KB | 38.64 |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | U/KB | 39.65 |
| NORTHPOINT DEV'T BANK INC | Thrift Bank | 39.72 |
| SUMITOMO MITSUI BANKING CORPORATION - MANILA BRANCH | U/KB | 39.78 |
| YUANTA SAVINGS BANK PHILIPPINES INC | Thrift Bank | 41.59 |
| BANK OF CHINA LIMITED | U/KB | 45.08 |
| ALLBANK | Thrift Bank | 48.06 |
| PAMPANGA DEVELOPMENT BANK | Thrift Bank | 52.70 |
| BANK OF AMERICA N.A. | U/KB | 55.89 |
| PACIFIC ACE SAVINGS BANK INC | Thrift Bank | 56.64 |
| BANK ONE SAVINGS AND TRUST CORP. | Thrift Bank | 58.46 |
| PHIL STAR DEVELOPMENT BANK INC | Thrift Bank | 70.18 |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | Thrift Bank | 70.39 |
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | U/KB | 71.10 |
| SHINHAN BANK - MANILA BRANCH | U/KB | 74.00 |
| CENTURY SAVINGS BANK CORPORATION | Thrift Bank | 76.45 |
| ISLA BANK(A THRIFT BANK) INC | Thrift Bank | 119.53 |
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | U/KB | 125.36 |
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | U/KB | 143.85 |
| CIMB BANK PHILIPPINES INC | U/KB | 150.55 |
| FIRST COMMERCIAL BANK | U/KB | 183.77 |
| CHANG HWA COMMERCIAL BANK LTD – MANILA BRANCH | U/KB | 194.85 |
| HUA NAN COMMERCIAL BANK LTD MANILA BRANCH | U/KB | 1,362.86 |
| BATAAN SAVINGS AND LOAN BANK | Thrift Bank | NA |
| CITY SAVINGS BANK INC | Thrift Bank | NA |
| MALASIQUI PROGRESSIVE SLB, INC | Thrift Bank | NA |
| MAXIMUM SAVINGS BANK | Thrift Bank | NA |
| OVERSEAS FILIPINO BANK | Thrift Bank | NA |
| PHILIPPINE VETERANS BANK | U/KB | NA |
| THE PALAWAN BANK (PALAWAN DB) INC | Thrift Bank | NA |
| UNITED COCONUT PLANTERS BANK | U/KB | NA |
| Philippine Banking System | ||
| Tier One CAR | ||
| December 31, 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 |
| ENTERPRISE BANK INC (A THRIFT BANK) | Thrift Bank | 7.10 |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | Thrift Bank | 7.14 |
| LUZON DEVELOPMENT BANK | Thrift Bank | 9.46 |
| EAST WEST BANKING CORP | U/KB | 10.13 |
| EQUICOM SAVINGS BANK INC | Thrift Bank | 10.28 |
| CHINA BANK SAVINGS INC | Thrift Bank | 10.41 |
| FARMERS SAVINGS & LOAN BANK INC | Thrift Bank | 10.75 |
| MUFG BANK INC | U/KB | 10.77 |
| DEVELOPMENT BANK OF THE PHIL | U/KB | 10.84 |
| PHIL NATIONAL BANK | U/KB | 10.85 |
| PHIL SAVINGS BANK | Thrift Bank | 11.27 |
| MAYBANK PHILIPPINES INC | U/KB | 11.48 |
| PHIL BANK OF COMMUNICATIONS | U/KB | 11.77 |
| ASIA UNITED BANK CORPORATION | U/KB | 11.80 |
| LAND BANK OF THE PHILIPPINES | U/KB | 11.82 |
| BDO UNIBANK INC | U/KB | 11.89 |
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS | Thrift Bank | 11.96 |
| CHINA BANKING CORP | U/KB | 12.10 |
| RCBC SAVINGS BANK INC | Thrift Bank | 12.11 |
| PRODUCERS SAVINGS BANK CORPORATION | Thrift Bank | 12.22 |
| UNION BANK OF THE PHILS | U/KB | 12.71 |
| MIZUHO BANK LTD - MANILA BRANCH | U/KB | 12.97 |
| UCPB SAVINGS BANK | Thrift Bank | 13.18 |
| RIZAL COMM'L BANKING CORP | U/KB | 13.24 |
| METROPOLITAN BANK & TRUST CO | U/KB | 13.33 |
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | Thrift Bank | 13.92 |
| BANK OF THE PHIL ISLANDS | U/KB | 13.96 |
| BANK OF COMMERCE | U/KB | 14.06 |
| ROBINSONS BANK CORPORATION | U/KB | 14.14 |
| CITIBANK, N.A. | U/KB | 14.74 |
| UNIVERSITY SAVINGS BANK INC | Thrift Bank | 15.07 |
| DEUTSCHE BANK AG | U/KB | 15.17 |
| CITYSTATE SAVINGS BANK INC | Thrift Bank | 15.38 |
| CTBC BANK (PHILIPPINES) CORP | U/KB | 15.43 |
| METRO CEBU PUBLIC SAVINGS BANK | Thrift Bank | 15.51 |
| SECURITY BANK CORP | U/KB | 15.57 |
| MALAYAN BANK SAVINGS AND MORT BANK INC | Thrift Bank | 15.80 |
| BPI FAMILY SAVINGS BANK INC | Thrift Bank | 16.89 |
| BANGKO KABAYAN INC | Thrift Bank | 16.90 |
| CARD SME BANK INC A THRIFT BANK | Thrift Bank | 17.42 |
| HONGKONG & SHANGHAI BANKING CORP | U/KB | 17.76 |
| STANDARD CHARTERED BANK | U/KB | 17.93 |
| WEALTH DEVELOPMENT BANK CORPORATION | Thrift Bank | 18.10 |
| BDO PRIVATE BANK, INC. | U/KB | 18.35 |
| ANZ BANKING GROUP LTD | U/KB | 18.98 |
| 1st VALLEY BANK INC A DEVELOPMENT BANK | Thrift Bank | 19.34 |
| PNB SAVINGS BANK | Thrift Bank | 19.52 |
| BPI DIRECT BANKO INC | Thrift Bank | 19.98 |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | Thrift Bank | 20.22 |
| BATAAN DEVELOPMENT BANK | Thrift Bank | 20.32 |
| SUN SAVINGS BANK INC | Thrift Bank | 20.81 |
| HIYAS BANKING CORPORATION | Thrift Bank | 21.56 |
| BANK OF MAKATI (A SAVINGS BANK) INC | Thrift Bank | 22.09 |
| BUSINESS AND CONSUMERS BANK (A DB) | Thrift Bank | 24.28 |
| DUMAGUETE CITY DEV BANK INC | Thrift Bank | 25.08 |
| LIFE SAVINGS BANK INC | Thrift Bank | 26.06 |
| KEB HANA BANK - MANILA BRANCH | U/KB | 27.15 |
| JP MORGAN CHASE BANK NATIONAL ASSN. | U/KB | 28.01 |
| LEGAZPI SAVINGS BANK INC | Thrift Bank | 28.44 |
| MEGA INT'L COMM'L BANK CO LTD | U/KB | 31.10 |
| HSBC SAVINGS BANK PHILIPPINES | Thrift Bank | 32.43 |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | Thrift Bank | 32.86 |
| FIRST CONSOLIDATED BANK INC (A PDB) | Thrift Bank | 33.27 |
| BANGKOK BANK PUBLIC CO LTD | U/KB | 33.70 |
| PHIL TRUST COMPANY | U/KB | 33.79 |
| MERCHANTS SAVINGS & LOAN ASSN INC | Thrift Bank | 34.79 |
| CORDILLERA SAVINGS BANK INC | Thrift Bank | 37.54 |
| LEMERY SAVINGS & LOAN BANK, INC. | Thrift Bank | 37.68 |
| ING BANK N.V. | U/KB | 38.26 |
| SUMITOMO MITSUI BANKING CORPORATION - MANILA BRANCH | U/KB | 38.81 |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | U/KB | 38.93 |
| NORTHPOINT DEV'T BANK INC | Thrift Bank | 39.19 |
| YUANTA SAVINGS BANK PHILIPPINES INC | Thrift Bank | 41.59 |
| BANK OF CHINA LIMITED | U/KB | 44.57 |
| BANK OF AMERICA N.A. | U/KB | 55.68 |
| PACIFIC ACE SAVINGS BANK INC | Thrift Bank | 56.19 |
| BANK ONE SAVINGS AND TRUST CORP. | Thrift Bank | 57.87 |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | Thrift Bank | 69.64 |
| PHIL STAR DEVELOPMENT BANK INC | Thrift Bank | 69.92 |
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | U/KB | 70.22 |
| SHINHAN BANK - MANILA BRANCH | U/KB | 73.21 |
| CENTURY SAVINGS BANK CORPORATION | Thrift Bank | 75.42 |
| ISLA BANK(A THRIFT BANK) INC | Thrift Bank | 119.03 |
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | U/KB | 124.53 |
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | U/KB | 142.92 |
| CIMB BANK PHILIPPINES INC | U/KB | 150.55 |
| FIRST COMMERCIAL BANK | U/KB | 183.10 |
| CHANG HWA COMMERCIAL BANK LTD – MANILA BRANCH | U/KB | 194.85 |
| PAMPANGA DEVELOPMENT BANK | Thrift Bank | 250.06 |
| HUA NAN COMMERCIAL BANK LTD MANILA BRANCH | U/KB | 1,362.86 |
| BATAAN SAVINGS AND LOAN BANK | Thrift Bank | NA |
| CITY SAVINGS BANK INC | Thrift Bank | NA |
| MALASIQUI PROGRESSIVE SLB, INC | Thrift Bank | NA |
| MAXIMUM SAVINGS BANK | Thrift Bank | NA |
| OVERSEAS FILIPINO BANK | Thrift Bank | NA |
| PHILIPPINE VETERANS BANK | U/KB | NA |
| THE PALAWAN BANK (PALAWAN DB) INC | Thrift Bank | NA |
| UNITED COCONUT PLANTERS BANK | U/KB | NA |
| Philippine Banking System | ||
| Common Tier 1 Ratio | ||
| December 31, 2018 | ||
| Bank | Type of Bank | Common Tier 1 Ratio |
| ALLBANK | Thrift Bank | 0.00 |
| BANGKO KABAYAN INC | Thrift Bank | 0.00 |
| BANK OF MAKATI (A SAVINGS BANK) INC | Thrift Bank | 0.00 |
| BANK ONE SAVINGS AND TRUST CORP. | Thrift Bank | 0.00 |
| BATAAN DEVELOPMENT BANK | 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 |
| 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 |
| LUZON DEVELOPMENT BANK | 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 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 |
| 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 |
| EAST WEST BANKING CORP | U/KB | 10.13 |
| CHINA BANK SAVINGS INC | Thrift Bank | 10.41 |
| MUFG BANK INC | U/KB | 10.77 |
| DEVELOPMENT BANK OF THE PHIL | U/KB | 10.84 |
| PHIL NATIONAL BANK | U/KB | 10.85 |
| PHIL SAVINGS BANK | Thrift Bank | 11.27 |
| MAYBANK PHILIPPINES INC | U/KB | 11.48 |
| BDO UNIBANK INC | U/KB | 11.65 |
| PHIL BANK OF COMMUNICATIONS | U/KB | 11.77 |
| ASIA UNITED BANK CORPORATION | U/KB | 11.80 |
| LAND BANK OF THE PHILIPPINES | U/KB | 11.82 |
| CHINA BANKING CORP | U/KB | 12.10 |
| RCBC SAVINGS BANK INC | Thrift Bank | 12.11 |
| UNION BANK OF THE PHILS | U/KB | 12.71 |
| MIZUHO BANK LTD - MANILA BRANCH | U/KB | 12.97 |
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | Thrift Bank | 12.99 |
| UCPB SAVINGS BANK | Thrift Bank | 13.18 |
| RIZAL COMM'L BANKING CORP | U/KB | 13.24 |
| METROPOLITAN BANK & TRUST CO | U/KB | 13.33 |
| BANK OF THE PHIL ISLANDS | U/KB | 13.96 |
| BANK OF COMMERCE | U/KB | 14.06 |
| ROBINSONS BANK CORPORATION | U/KB | 14.14 |
| CITIBANK, N.A. | U/KB | 14.74 |
| DEUTSCHE BANK AG | U/KB | 15.17 |
| CTBC BANK (PHILIPPINES) CORP | U/KB | 15.43 |
| SECURITY BANK CORP | U/KB | 15.57 |
| BPI FAMILY SAVINGS BANK INC | Thrift Bank | 16.89 |
| HONGKONG & SHANGHAI BANKING CORP | U/KB | 17.76 |
| STANDARD CHARTERED BANK | U/KB | 17.93 |
| BDO PRIVATE BANK, INC. | U/KB | 18.35 |
| 1st VALLEY BANK INC A DEVELOPMENT BANK | Thrift Bank | 18.96 |
| ANZ BANKING GROUP LTD | U/KB | 18.98 |
| PNB SAVINGS BANK | Thrift Bank | 19.52 |
| BPI DIRECT BANKO INC | Thrift Bank | 19.98 |
| BUSINESS AND CONSUMERS BANK (A DB) | Thrift Bank | 24.28 |
| KEB HANA BANK - MANILA BRANCH | U/KB | 27.15 |
| JP MORGAN CHASE BANK NATIONAL ASSN. | U/KB | 28.01 |
| LEGAZPI SAVINGS BANK INC | Thrift Bank | 28.44 |
| MEGA INT'L COMM'L BANK CO LTD | U/KB | 31.10 |
| HSBC SAVINGS BANK PHILIPPINES | Thrift Bank | 32.43 |
| FIRST CONSOLIDATED BANK INC (A PDB) | Thrift Bank | 33.39 |
| BANGKOK BANK PUBLIC CO LTD | U/KB | 33.70 |
| PHIL TRUST COMPANY | U/KB | 33.79 |
| MERCHANTS SAVINGS & LOAN ASSN INC | Thrift Bank | 34.79 |
| ING BANK N.V. | U/KB | 38.26 |
| SUMITOMO MITSUI BANKING CORPORATION - MANILA BRANCH | U/KB | 38.81 |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | U/KB | 38.93 |
| BANK OF CHINA LIMITED | U/KB | 44.57 |
| BANK OF AMERICA N.A. | U/KB | 55.68 |
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | U/KB | 70.22 |
| SHINHAN BANK - MANILA BRANCH | U/KB | 73.21 |
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | U/KB | 124.53 |
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | U/KB | 142.92 |
| CIMB BANK PHILIPPINES INC | U/KB | 150.55 |
| FIRST COMMERCIAL BANK | U/KB | 183.10 |
| CHANG HWA COMMERCIAL BANK LTD – MANILA BRANCH | U/KB | 194.85 |
| HUA NAN COMMERCIAL BANK LTD MANILA BRANCH | U/KB | 1,362.86 |
| BATAAN SAVINGS AND LOAN BANK | Thrift Bank | NA |
| CITY SAVINGS BANK INC | Thrift Bank | NA |
| MALASIQUI PROGRESSIVE SLB, INC | Thrift Bank | NA |
| MAXIMUM SAVINGS BANK | Thrift Bank | NA |
| OVERSEAS FILIPINO BANK | Thrift Bank | NA |
| PHILIPPINE VETERANS BANK | U/KB | NA |
| THE PALAWAN BANK (PALAWAN DB) INC | Thrift Bank | NA |
| UNITED COCONUT PLANTERS BANK | U/KB | NA |
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