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 34 banks (highlighted in yellow, failed banks in red) fall into this deficiency.
| Philippine Banking System | |||||
| NPL Coverage Ratio | |||||
| December 31, 2018 | |||||
| Bank | Loan Loss Provisions | Gross NPLs | NPL Coverage Ratio | ||
| UCPB SAVINGS BANK | 586,168,305.86 | 2,520,179,947.97 | 23.26% | ||
| PACIFIC ACE SAVINGS BANK INC | 2,348,484.84 | 7,984,007.00 | 29.41% | ||
| MARITIME SAVINGS BANK CORPORATION | 6,948,645.24 | 22,037,335.09 | 31.53% | ||
| EQUICOM SAVINGS BANK INC | 241,713,735.53 | 678,665,503.25 | 35.62% | ||
| WEALTH DEVELOPMENT BANK CORPORATION | 162,085,067.38 | 425,898,417.61 | 38.06% | ||
| ASIA UNITED BANK CORPORATION | 1,101,213,227.88 | 2,843,723,749.05 | 38.72% | ||
| LUZON DEVELOPMENT BANK | 217,112,698.31 | 511,816,689.86 | 42.42% | ||
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 633,695,238.36 | 1,479,597,307.93 | 42.83% | ||
| PNB SAVINGS BANK | 1,112,566,622.49 | 2,489,981,239.03 | 44.68% | ||
| PRODUCERS SAVINGS BANK CORPORATION | 174,370,395.80 | 369,105,717.33 | 47.24% | ||
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 1,303,520.97 | 2,662,507.14 | 48.96% | ||
| RCBC SAVINGS BANK INC | 2,258,272,487.07 | 4,538,925,881.88 | 49.75% | ||
| BPI FAMILY SAVINGS BANK INC | 5,828,635,522.01 | 11,106,593,641.57 | 52.48% | ||
| CHINA BANK SAVINGS INC | 1,852,672,792.44 | 3,487,278,553.65 | 53.13% | ||
| PHIL SAVINGS BANK | 3,524,948,822.74 | 6,615,926,206.09 | 53.28% | ||
| ALLBANK (A THRIFT BANK) INC | 32,418,962.81 | 58,307,833.04 | 55.60% | ||
| PAMPANGA DEVELOPMENT BANK | 32,638,326.43 | 58,019,633.67 | 56.25% | ||
| LEMERY SAVINGS & LOAN BANK, INC. | 3,226,233.46 | 5,620,497.35 | 57.40% | ||
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 314,268,918.97 | 545,183,711.79 | 57.64% | ||
| BANGKO KABAYAN INC (A PRIVATE DEVELOPMENT BANK) | 20,709,613.77 | 34,853,596.58 | 59.42% | ||
| ENTERPRISE BANK INC (A THRIFT BANK) | 206,217,463.29 | 334,690,957.76 | 61.61% | ||
| CITYSTATE SAVINGS BANK INC | 74,322,686.83 | 116,312,839.73 | 63.90% | ||
| BATAAN DEVELOPMENT BANK | 22,420,075.55 | 34,980,091.08 | 64.09% | ||
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS | 1,000,583,422.40 | 1,556,381,247.87 | 64.29% | ||
| FARMERS SAVINGS & LOAN BANK INC | 26,526,351.09 | 41,255,102.82 | 64.30% | ||
| DUMAGUETE CITY DEV BANK INC | 19,299,237.59 | 29,686,507.43 | 65.01% | ||
| EAST WEST BANKING CORP | 6,783,668,064.65 | 10,239,430,293.81 | 66.25% | ||
| BUSINESS AND CONSUMERS BANK (A DB) | 9,629,770.26 | 14,297,923.05 | 67.35% | ||
| LIFE SAVINGS BANK INC | 5,424,695.67 | 7,909,027.36 | 68.59% | ||
| BANK OF MAKATI (A SAVINGS BANK) INC | 1,416,211,879.00 | 2,061,100,494.13 | 68.71% | ||
| UNION BANK OF THE PHILS | 6,376,143,862.37 | 8,681,263,266.47 | 73.45% | ||
| FIRST CONSOLIDATED BANK INC (A PDB) | 702,400,198.51 | 937,301,137.75 | 74.94% | ||
| STANDARD CHARTERED BANK | 1,988,192,954.24 | 2,613,663,314.20 | 76.07% | ||
| MALAYAN BANK SAVINGS AND MORT BANK INC | 176,590,880.31 | 232,068,015.56 | 76.09% | ||
| HIYAS BANKING CORPORATION | 23,858,848.68 | 28,152,649.56 | 84.75% | ||
| LEGAZPI SAVINGS BANK INC | 276,759,960.86 | 325,749,920.79 | 84.96% | ||
| SUN SAVINGS BANK INC | 18,733,181.51 | 21,977,627.97 | 85.24% | ||
| BANK ONE SAVINGS CORPORATION | 44,360,200.39 | 50,920,016.00 | 87.12% | ||
| RIZAL COMM'L BANKING CORP | 3,354,013,913.93 | 3,778,814,274.91 | 88.76% | ||
| BPI DIRECT BANKO INC A SAVINGS BANK | 711,470,070.69 | 797,910,869.09 | 89.17% | ||
| UNIVERSITY SAVINGS BANK INC | 38,806,861.19 | 41,532,383.06 | 93.44% | ||
| YUANTA SAVINGS BANK PHILIPPINES INC | 100,931,349.56 | 105,709,543.16 | 95.48% | ||
| INTER-ASIA DEVELOPMENT BANK | 7,309,690.80 | 7,591,147.82 | 96.29% | ||
| PHIL BANK OF COMMUNICATIONS | 2,167,506,753.56 | 2,204,146,296.88 | 98.34% | ||
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 1,706,381,776.70 | 1,654,529,173.88 | 103.13% | ||
| NORTHPOINT DEV'T BANK INC | 101,947,108.84 | 98,818,586.90 | 103.17% | ||
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 112,139,598.46 | 104,417,002.42 | 107.40% | ||
| DEVELOPMENT BANK OF THE PHIL | 7,133,850,586.50 | 6,424,374,586.99 | 111.04% | ||
| MERCHANTS SAVINGS & LOAN ASSN INC | 79,682,059.26 | 70,743,639.74 | 112.63% | ||
| SECURITY BANK CORP | 3,161,010,688.45 | 2,796,885,255.23 | 113.02% | ||
| CORDILLERA SAVINGS BANK INC | 14,379,069.48 | 12,123,604.31 | 118.60% | ||
| BANK OF THE PHIL ISLANDS | 15,839,711,208.04 | 13,052,121,266.84 | 121.36% | ||
| CTBC BANK (PHILIPPINES) CORP | 815,157,667.55 | 632,988,633.22 | 128.78% | ||
| MAYBANK PHILIPPINES INCORPORATED | 2,319,584,041.63 | 1,639,158,444.58 | 141.51% | ||
| ROBINSONS BANK CORPORATION | 1,054,220,185.44 | 730,058,854.95 | 144.40% | ||
| BANK OF COMMERCE | 2,321,448,605.10 | 1,574,874,658.91 | 147.41% | ||
| CARD SME BANK INC A THRIFT BANK | 209,329,524.53 | 135,584,638.32 | 154.39% | ||
| PHIL NATIONAL BANK | 14,824,944,768.63 | 9,449,896,609.90 | 156.88% | ||
| LAND BANK OF THE PHILIPPINES | 15,765,027,265.62 | 9,134,879,593.32 | 172.58% | ||
| CHINA BANKING CORP | 5,018,293,472.15 | 2,672,209,854.94 | 187.80% | ||
| CENTURY SAVINGS BANK CORPORATION | 19,537,665.62 | 9,670,265.48 | 202.04% | ||
| BDO UNIBANK INC | 37,125,293,082.34 | 17,108,039,954.27 | 217.00% | ||
| PHIL STAR DEVELOPMENT BANK INC | 9,482,646.07 | 4,367,377.11 | 217.12% | ||
| METROPOLITAN BANK & TCO | 17,762,616,961.78 | 8,041,215,004.71 | 220.89% | ||
| METRO CEBU PUBLIC SAVINGS BANK | 20,809,073.56 | 8,869,721.90 | 234.61% | ||
| CITIBANK, N.A. | 3,133,374,962.15 | 1,156,260,580.22 | 270.99% | ||
| HSBC SAVINGS BANK(PHILS) INC | 102,141,722.09 | 37,517,115.56 | 272.25% | ||
| PHIL TRUST COMPANY | 3,312,326,017.46 | 1,158,278,288.02 | 285.97% | ||
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 23,293,288.66 | 6,842,722.12 | 340.41% | ||
| HONGKONG & SHANGHAI BANKING CORP | 1,842,444,054.04 | 511,083,509.97 | 360.50% | ||
| KEB HANA BANK - MANILA BRANCH | 87,545,320.21 | 23,050,211.32 | 379.80% | ||
| BANGKOK BANK PUBLIC CO LTD | 514,119,420.00 | 23,558,872.16 | 2182.28% | ||
| MEGA INT'L COMM'L BANK CO LTD | 249,403,952.44 | 4,815,000.00 | 5179.73% | ||
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 7,728,107.81 | 107,342.00 | 7199.52% | ||
| ING BANK N.V. | 17,741,700.39 | 107.16 | 16556271.36% | ||
| AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED | 58,845,125.55 | 0.00 | NA | ||
| BANK OF AMERICA N.A. | 9,403,669.08 | 0.00 | NA | ||
| BANK OF CHINA LIMITED-MANILA BRANCH | 120,837,688.40 | 0.00 | NA | ||
| BDO PRIVATE BANK, INC. | 7,976,407.70 | 0.00 | NA | ||
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | 33,383,797.25 | 0.00 | NA | ||
| CHANG HWA COMMERCIAL BANK LTD - MANILA BRANCH | 3,190,909.05 | 0.00 | NA | ||
| CIMB BANK PHILIPPINES INC | 0.00 | 0.00 | NA | ||
| DEUTSCHE BANK AG | 213,855,823.57 | 0.00 | NA | ||
| FIRST COMMERCIAL BANK LTD MANILA BRANCH | 7,409,560.00 | 0.00 | NA | ||
| HUA NAN COMMERCIAL BANK LTD MANILA BRANCH | 0.00 | 0.00 | NA | ||
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | 30,371,287.79 | 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 | ||
| MIZUHO BANK LTD - MANILA BRANCH | 564,948,450.39 | 0.00 | NA | ||
| MUFG BANK, LTD. | 387,752,746.02 | 0.00 | NA | ||
| SHINHAN BANK - MANILA BRANCH | 43,985,672.68 | 0.00 | NA | ||
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | 57,509,951.73 | 0.00 | NA | ||
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | 16,131,526.95 | 0.00 | NA | ||
| Grand Total | 179,351,042,002.08 | 147,814,383,446.62 | 121.34% | ||
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, three banks will be severely affected:
| Philippine Banking System | ||||||||
| Impact on SE of Minimum Loan Loss Provisions | ||||||||
| December 31, 2018 | ||||||||
| Bank | Minimum Loan Loss Provisions at 80% NPL Coverage Ratio | Actual Loan Loss Provisions | Excess/Deficit Loan Loss Provisions | Stockholder's Equity | Impact on SE | |||
| UCPB SAVINGS BANK | 2,016,143,958.38 | 586,168,305.86 | -1,429,975,652.52 | 2,723,545,194.11 | -52.50% | |||
| EQUICOM SAVINGS BANK INC | 542,932,402.60 | 241,713,735.53 | -301,218,667.07 | 729,067,612.89 | -41.32% | |||
| LUZON DEVELOPMENT BANK | 409,453,351.89 | 217,112,698.31 | -192,340,653.58 | 512,553,485.62 | -37.53% | |||
| ENTERPRISE BANK INC (A THRIFT BANK) | 267,752,766.21 | 206,217,463.29 | -61,535,302.92 | 220,646,360.10 | -27.89% | |||
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 1,183,677,846.34 | 633,695,238.36 | -549,982,607.98 | 2,734,098,751.47 | -20.12% | |||
| MARITIME SAVINGS BANK CORPORATION | 17,629,868.07 | 6,948,645.24 | -10,681,222.83 | 53,824,388.21 | -19.84% | |||
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS | 1,245,104,998.30 | 1,000,583,422.40 | -244,521,575.90 | 1,888,268,513.97 | -12.95% | |||
| WEALTH DEVELOPMENT BANK CORPORATION | 340,718,734.09 | 162,085,067.38 | -178,633,666.71 | 1,453,322,660.58 | -12.29% | |||
| RCBC SAVINGS BANK INC | 3,631,140,705.50 | 2,258,272,487.07 | -1,372,868,218.43 | 13,283,914,920.08 | -10.33% | |||
| CHINA BANK SAVINGS INC | 2,789,822,842.92 | 1,852,672,792.44 | -937,150,050.48 | 9,582,604,212.94 | -9.78% | |||
| BPI FAMILY SAVINGS BANK INC | 8,885,274,913.26 | 5,828,635,522.01 | -3,056,639,391.25 | 32,718,551,569.90 | -9.34% | |||
| PHIL SAVINGS BANK | 5,292,740,964.87 | 3,524,948,822.74 | -1,767,792,142.13 | 22,991,966,427.28 | -7.69% | |||
| PNB SAVINGS BANK | 1,991,984,991.22 | 1,112,566,622.49 | -879,418,368.73 | 11,586,836,716.84 | -7.59% | |||
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 436,146,969.43 | 314,268,918.97 | -121,878,050.46 | 1,918,619,895.86 | -6.35% | |||
| PRODUCERS SAVINGS BANK CORPORATION | 295,284,573.86 | 174,370,395.80 | -120,914,178.06 | 1,977,454,300.17 | -6.11% | |||
| BATAAN DEVELOPMENT BANK | 27,984,072.86 | 22,420,075.55 | -5,563,997.31 | 92,608,882.76 | -6.01% | |||
| PAMPANGA DEVELOPMENT BANK | 46,415,706.94 | 32,638,326.43 | -13,777,380.51 | 250,061,794.92 | -5.51% | |||
| FARMERS SAVINGS & LOAN BANK INC | 33,004,082.26 | 26,526,351.09 | -6,477,731.17 | 129,904,902.95 | -4.99% | |||
| PACIFIC ACE SAVINGS BANK INC | 6,387,205.60 | 2,348,484.84 | -4,038,720.76 | 82,540,989.78 | -4.89% | |||
| ASIA UNITED BANK CORPORATION | 2,274,978,999.24 | 1,101,213,227.88 | -1,173,765,771.36 | 29,600,543,068.70 | -3.97% | |||
| EAST WEST BANKING CORP | 8,191,544,235.05 | 6,783,668,064.65 | -1,407,876,170.40 | 42,783,295,057.37 | -3.29% | |||
| CITYSTATE SAVINGS BANK INC | 93,050,271.78 | 74,322,686.83 | -18,727,584.95 | 672,540,410.23 | -2.78% | |||
| BANK OF MAKATI (A SAVINGS BANK) INC | 1,648,880,395.30 | 1,416,211,879.00 | -232,668,516.30 | 9,602,488,372.26 | -2.42% | |||
| BUSINESS AND CONSUMERS BANK (A DB) | 11,438,338.44 | 9,629,770.26 | -1,808,568.18 | 88,379,217.15 | -2.05% | |||
| DUMAGUETE CITY DEV BANK INC | 23,749,205.94 | 19,299,237.59 | -4,449,968.35 | 275,904,993.41 | -1.61% | |||
| STANDARD CHARTERED BANK | 2,090,930,651.36 | 1,988,192,954.24 | -102,737,697.12 | 6,447,770,362.14 | -1.59% | |||
| LEMERY SAVINGS & LOAN BANK, INC. | 4,496,397.88 | 3,226,233.46 | -1,270,164.42 | 91,169,252.11 | -1.39% | |||
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 2,130,005.71 | 1,303,520.97 | -826,484.74 | 59,372,600.22 | -1.39% | |||
| BANGKO KABAYAN INC (A PRIVATE DEVELOPMENT BANK) | 27,882,877.26 | 20,709,613.77 | -7,173,263.49 | 519,363,868.06 | -1.38% | |||
| ALLBANK (A THRIFT BANK) INC | 46,646,266.43 | 32,418,962.81 | -14,227,303.62 | 1,036,335,582.85 | -1.37% | |||
| LIFE SAVINGS BANK INC | 6,327,221.89 | 5,424,695.67 | -902,526.22 | 73,272,042.90 | -1.23% | |||
| FIRST CONSOLIDATED BANK INC (A PDB) | 749,840,910.20 | 702,400,198.51 | -47,440,711.69 | 4,826,832,410.30 | -0.98% | |||
| MALAYAN BANK SAVINGS AND MORT BANK INC | 185,654,412.45 | 176,590,880.31 | -9,063,532.14 | 1,246,922,920.50 | -0.73% | |||
| UNION BANK OF THE PHILS | 6,945,010,613.18 | 6,376,143,862.37 | -568,866,750.81 | 84,284,141,087.13 | -0.67% | |||
| CIMB BANK PHILIPPINES INC | 0.00 | 0.00 | 0.00 | 2,386,578,288.43 | 0.00% | |||
| HUA NAN COMMERCIAL BANK LTD MANILA BRANCH | 0.00 | 0.00 | 0.00 | 2,086,861,509.77 | 0.00% | |||
| CHANG HWA COMMERCIAL BANK LTD - MANILA BRANCH | 0.00 | 3,190,909.05 | 3,190,909.05 | 2,150,807,588.36 | 0.15% | |||
| BDO PRIVATE BANK, INC. | 0.00 | 7,976,407.70 | 7,976,407.70 | 5,138,022,947.23 | 0.16% | |||
| FIRST COMMERCIAL BANK LTD MANILA BRANCH | 0.00 | 7,409,560.00 | 7,409,560.00 | 2,022,175,409.58 | 0.37% | |||
| BANK OF AMERICA N.A. | 0.00 | 9,403,669.08 | 9,403,669.08 | 2,369,266,015.18 | 0.40% | |||
| RIZAL COMM'L BANKING CORP | 3,023,051,419.93 | 3,354,013,913.93 | 330,962,494.00 | 83,237,012,843.24 | 0.40% | |||
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | 0.00 | 57,509,951.73 | 57,509,951.73 | 13,244,749,440.88 | 0.43% | |||
| SUN SAVINGS BANK INC | 17,582,102.38 | 18,733,181.51 | 1,151,079.13 | 243,604,090.50 | 0.47% | |||
| BANK ONE SAVINGS CORPORATION | 40,736,012.80 | 44,360,200.39 | 3,624,187.59 | 623,680,363.27 | 0.58% | |||
| ISLA BANK(A THRIFT BANK) INC | 0.00 | 4,290,580.33 | 4,290,580.33 | 694,591,710.74 | 0.62% | |||
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | 0.00 | 33,383,797.25 | 33,383,797.25 | 5,238,258,746.69 | 0.64% | |||
| JP MORGAN CHASE BANK NATIONAL ASSN. | 0.00 | 16,000,000.00 | 16,000,000.00 | 2,500,433,393.60 | 0.64% | |||
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | 0.00 | 16,131,526.95 | 16,131,526.95 | 2,413,501,369.61 | 0.67% | |||
| ING BANK N.V. | 85.73 | 17,741,700.39 | 17,741,614.66 | 2,517,864,730.75 | 0.70% | |||
| HIYAS BANKING CORPORATION | 22,522,119.65 | 23,858,848.68 | 1,336,729.03 | 181,419,255.43 | 0.74% | |||
| SECURITY BANK CORP | 2,237,508,204.18 | 3,161,010,688.45 | 923,502,484.27 | 111,294,030,670.00 | 0.83% | |||
| SHINHAN BANK - MANILA BRANCH | 0.00 | 43,985,672.68 | 43,985,672.68 | 4,239,777,415.18 | 1.04% | |||
| BANK OF CHINA LIMITED-MANILA BRANCH | 0.00 | 120,837,688.40 | 120,837,688.40 | 10,368,135,874.81 | 1.17% | |||
| CENTURY SAVINGS BANK CORPORATION | 7,736,212.38 | 19,537,665.62 | 11,801,453.24 | 983,656,870.43 | 1.20% | |||
| UNIVERSITY SAVINGS BANK INC | 33,225,906.45 | 38,806,861.19 | 5,580,954.74 | 431,364,936.28 | 1.29% | |||
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | 0.00 | 30,371,287.79 | 30,371,287.79 | 2,320,444,050.00 | 1.31% | |||
| AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED | 0.00 | 58,845,125.55 | 58,845,125.55 | 4,111,922,273.29 | 1.43% | |||
| INTER-ASIA DEVELOPMENT BANK | 6,072,918.26 | 7,309,690.80 | 1,236,772.54 | 84,534,827.98 | 1.46% | |||
| YUANTA SAVINGS BANK PHILIPPINES INC | 84,567,634.53 | 100,931,349.56 | 16,363,715.03 | 883,651,164.96 | 1.85% | |||
| KEB HANA BANK - MANILA BRANCH | 18,440,169.06 | 87,545,320.21 | 69,105,151.15 | 3,241,331,450.23 | 2.13% | |||
| BANK OF THE PHIL ISLANDS | 10,441,697,013.47 | 15,839,711,208.04 | 5,398,014,194.57 | 247,385,436,610.38 | 2.18% | |||
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 5,474,177.70 | 23,293,288.66 | 17,819,110.96 | 673,508,129.74 | 2.65% | |||
| LEGAZPI SAVINGS BANK INC | 260,599,936.63 | 276,759,960.86 | 16,160,024.23 | 544,117,725.12 | 2.97% | |||
| BPI DIRECT BANKO INC A SAVINGS BANK | 638,328,695.27 | 711,470,070.69 | 73,141,375.42 | 2,368,682,739.22 | 3.09% | |||
| PHIL BANK OF COMMUNICATIONS | 1,763,317,037.50 | 2,167,506,753.56 | 404,189,716.06 | 12,148,296,667.40 | 3.33% | |||
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 1,323,623,339.10 | 1,706,381,776.70 | 382,758,437.60 | 10,940,818,994.42 | 3.50% | |||
| CHINA BANKING CORP | 2,137,767,883.95 | 5,018,293,472.15 | 2,880,525,588.20 | 81,957,576,442.62 | 3.51% | |||
| CORDILLERA SAVINGS BANK INC | 9,698,883.45 | 14,379,069.48 | 4,680,186.03 | 132,120,909.90 | 3.54% | |||
| MERCHANTS SAVINGS & LOAN ASSN INC | 56,594,911.79 | 79,682,059.26 | 23,087,147.47 | 599,203,835.68 | 3.85% | |||
| DEVELOPMENT BANK OF THE PHIL | 5,139,499,669.59 | 7,133,850,586.50 | 1,994,350,916.91 | 50,946,041,570.12 | 3.91% | |||
| ROBINSONS BANK CORPORATION | 584,047,083.96 | 1,054,220,185.44 | 470,173,101.48 | 11,992,769,290.14 | 3.92% | |||
| METROPOLITAN BANK & TCO | 6,432,972,003.77 | 17,762,616,961.78 | 11,329,644,958.01 | 281,281,577,024.65 | 4.03% | |||
| CTBC BANK (PHILIPPINES) CORP | 506,390,906.58 | 815,157,667.55 | 308,766,760.97 | 7,173,797,753.56 | 4.30% | |||
| HSBC SAVINGS BANK(PHILS) INC | 30,013,692.45 | 102,141,722.09 | 72,128,029.64 | 1,545,040,579.67 | 4.67% | |||
| PHIL STAR DEVELOPMENT BANK INC | 3,493,901.69 | 9,482,646.07 | 5,988,744.38 | 127,354,103.35 | 4.70% | |||
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 85,873.60 | 7,728,107.81 | 7,642,234.21 | 162,369,604.50 | 4.71% | |||
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 83,533,601.94 | 112,139,598.46 | 28,605,996.52 | 501,682,183.07 | 5.70% | |||
| PHIL NATIONAL BANK | 7,559,917,287.92 | 14,824,944,768.63 | 7,265,027,480.71 | 117,833,170,665.73 | 6.17% | |||
| NORTHPOINT DEV'T BANK INC | 79,054,869.52 | 101,947,108.84 | 22,892,239.32 | 369,715,634.56 | 6.19% | |||
| LAND BANK OF THE PHILIPPINES | 7,307,903,674.66 | 15,765,027,265.62 | 8,457,123,590.96 | 131,617,492,100.30 | 6.43% | |||
| BANK OF COMMERCE | 1,259,899,727.13 | 2,321,448,605.10 | 1,061,548,877.97 | 15,522,989,477.35 | 6.84% | |||
| MEGA INT'L COMM'L BANK CO LTD | 3,852,000.00 | 249,403,952.44 | 245,551,952.44 | 3,490,940,001.99 | 7.03% | |||
| BDO UNIBANK INC | 13,686,431,963.42 | 37,125,293,082.34 | 23,438,861,118.92 | 327,542,497,477.73 | 7.16% | |||
| DEUTSCHE BANK AG | 0.00 | 213,855,823.57 | 213,855,823.57 | 2,888,508,096.39 | 7.40% | |||
| MUFG BANK, LTD. | 0.00 | 387,752,746.02 | 387,752,746.02 | 5,024,008,990.73 | 7.72% | |||
| MAYBANK PHILIPPINES INCORPORATED | 1,311,326,755.66 | 2,319,584,041.63 | 1,008,257,285.97 | 12,657,372,797.92 | 7.97% | |||
| CARD SME BANK INC A THRIFT BANK | 108,467,710.66 | 209,329,524.53 | 100,861,813.87 | 1,206,976,405.48 | 8.36% | |||
| HONGKONG & SHANGHAI BANKING CORP | 408,866,807.98 | 1,842,444,054.04 | 1,433,577,246.06 | 14,567,725,227.25 | 9.84% | |||
| MIZUHO BANK LTD - MANILA BRANCH | 0.00 | 564,948,450.39 | 564,948,450.39 | 5,619,388,628.63 | 10.05% | |||
| CITIBANK, N.A. | 925,008,464.18 | 3,133,374,962.15 | 2,208,366,497.97 | 21,365,277,059.00 | 10.34% | |||
| PHIL TRUST COMPANY | 926,622,630.42 | 3,312,326,017.46 | 2,385,703,387.04 | 21,698,718,077.54 | 10.99% | |||
| BANGKOK BANK PUBLIC CO LTD | 18,847,097.73 | 514,119,420.00 | 495,272,322.27 | 3,181,957,942.56 | 15.57% | |||
| METRO CEBU PUBLIC SAVINGS BANK | 7,095,777.52 | 20,809,073.56 | 13,713,296.04 | 74,925,108.22 | 18.30% | |||
| Grand Total | 117,714,961,560.30 | 179,111,676,751.39 | 61,396,715,191.09 | 1,943,235,845,110.10 | 3.16% | |||
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 December 31, 2018".
The most
notable of the banks in this list is UCPB Savings Bank. The bank faces a shortfall of 52.50% of its
stated
stockholder's equity of Php 2.72 billion if it were to increase its
loan loss provisions to meet a minimum NPL Coverage Ratio of 80%. In
short, over 50% its equity would be wiped out if the
bank were to properly account for its losses.
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