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Sunday, September 15, 2019

An 80% Minimum NPL Coverage Ratio will Result in a Severe Undercapitalization of Some Philippine Banks - March 31, 2019

Raising the NPL Coverage Ratio to a minimum of 80% will entail additional loan loss provisions for some Philippine banks that could eat into a substantial chunk (30% or more) of their Stockholder's Equity.  Based on the table below, nine banks will be severely affected:

 
Philippine Banking System
Impact on SE of Minimum Loan Loss Provisions
March 31, 2019












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
D' ASIAN HILLS BANK INC (A RURAL BANK)  129,255,309.78 162,642,653.42 33,387,343.64 -23,968,863.48 -139.29%
GRAND-AGRI RURAL BANK  58,312,204.58 10,388,170.55 -47,924,034.03 53,293,523.52 -89.92%
UCPB SAVINGS BANK 2,145,573,057.65 617,268,098.59 -1,528,304,959.06 2,765,961,164.83 -55.25%
PNB SAVINGS BANK 6,938,716,068.58 1,154,983,175.91 -5,783,732,892.67 11,565,533,165.27 -50.01%
EQUICOM SAVINGS BANK INC 580,763,511.10 255,213,735.53 -325,549,775.57 750,842,934.63 -43.36%
ENTREPRENEUR RB INC   48,354,048.59 25,420,476.19 -22,933,572.40 55,832,140.97 -41.08%
ENTERPRISE BANK INC (A THRIFT BANK) 290,080,707.38 206,217,463.29 -83,863,244.09 227,314,782.46 -36.89%
BENGUET CENTER BANK INC A RB  30,174,746.28 12,076,759.51 -18,097,986.77 52,982,947.27 -34.16%
LUZON DEVELOPMENT BANK 387,923,868.06 231,593,856.57 -156,330,011.49 514,329,477.59 -30.39%
COOP BANK OF CAGAYAN   70,931,114.78 55,486,475.94 -15,444,638.84 59,633,035.67 -25.90%
AMA RURAL BANK OF MANDALUYONG INC  423,717,355.01 154,372,964.62 -269,344,390.39 1,043,294,845.60 -25.82%
VILLAGE BANK INC (A RURAL BANK)  54,513,831.86 36,467,491.18 -18,046,340.68 71,557,224.51 -25.22%
RB OF ALABEL (SARANGANI) INC  38,421,154.66 15,347,625.97 -23,073,528.69 97,989,958.38 -23.55%
AGRIBUSINESS RURAL BANK INC  357,842,742.20 158,230,972.11 -199,611,770.09 867,872,427.72 -23.00%
LAGAWE HIGHLANDS RB INC  28,429,096.00 17,885,204.55 -10,543,891.45 47,994,293.67 -21.97%
PEOPLES BANK OF CARAGA INC (A RURAL BANK)  336,073,793.81 306,682,396.53 -29,391,397.28 134,490,336.69 -21.85%
SAVIOUR RURAL BANK INC  37,533,626.28 19,138,792.82 -18,394,833.46 87,293,073.62 -21.07%
RB OF CARDONA (RIZAL) INC  88,728,807.77 68,912,910.65 -19,815,897.12 102,195,992.52 -19.39%
NEW RB OF SAN LEONARDO(N.E.) INC  83,077,398.13 41,409,476.08 -41,667,922.05 219,694,019.44 -18.97%
RB OF MIAGAO (ILOILO) INC  34,843,295.39 17,298,952.02 -17,544,343.37 93,755,226.71 -18.71%
MARITIME SAVINGS BANK CORPORATION 16,849,005.06 6,948,645.24 -9,900,359.82 53,481,891.65 -18.51%
STERLING BANK OF ASIA INC (A SAVINGS BANK) 1,230,532,482.62 719,239,383.94 -511,293,098.68 2,794,917,585.20 -18.29%
BALANGA RURAL BANK, INC.  23,910,817.02 11,725,252.60 -12,185,564.42 67,561,815.26 -18.04%
RB OF CAUAYAN INC   68,480,618.78 30,510,587.31 -37,970,031.47 240,828,610.40 -15.77%
EAST WEST RURAL BANK INC  893,430,898.96 300,269,103.61 -593,161,795.35 4,001,566,460.00 -14.82%
GM BANK OF LUZON INC (A RURAL BANK)  207,598,274.23 151,407,828.76 -56,190,445.47 418,839,766.39 -13.42%
BANGKO MABUHAY (A RURAL BANK) INC  89,455,682.66 50,496,346.42 -38,959,336.24 305,266,263.28 -12.76%
RANG-AY BANK INC (A RURAL BANK)  117,189,071.66 50,777,067.90 -66,412,003.76 525,416,569.47 -12.64%
BATAAN DEVELOPMENT BANK 34,232,590.41 22,754,046.06 -11,478,544.35 97,030,421.39 -11.83%
RCBC SAVINGS BANK INC 3,502,837,380.62 1,938,544,263.04 -1,564,293,117.58 13,579,084,102.35 -11.52%
PRODUCERS SAVINGS BANK CORPORATION 378,168,113.71 146,518,210.97 -231,649,902.74 2,094,053,015.67 -11.06%
CITYSTATE SAVINGS BANK INC 144,417,780.49 72,630,279.93 -71,787,500.56 665,111,422.25 -10.79%
SUGBUANON RB INC   34,116,072.83 24,131,362.74 -9,984,710.09 99,143,563.27 -10.07%
CHINA BANK SAVINGS INC 2,948,970,150.06 1,984,546,647.92 -964,423,502.14 9,723,233,552.56 -9.92%
RB OF DUMANGAS INC   26,586,390.10 18,022,047.51 -8,564,342.59 89,963,518.38 -9.52%
ALIAGA FARMERS RURAL BANK INC  94,617,986.87 84,941,452.55 -9,676,534.32 105,874,020.10 -9.14%
RB OF SAN PASCUAL(OBANDO BULACAN)INC  25,801,379.70 20,556,011.54 -5,245,368.16 59,962,268.91 -8.75%
OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE RURAL BANK) 22,042,255.46 14,364,648.91 -7,677,606.55 88,587,572.23 -8.67%
PLANBANK "RB OF CANLUBANG PLANTERS INC"  64,330,620.17 56,051,192.21 -8,279,427.96 96,890,919.69 -8.55%
METRO SOUTH COOP BANK  252,192,906.38 187,660,629.11 -64,532,277.27 784,618,861.11 -8.22%
BPI FAMILY SAVINGS BANK INC 8,482,125,892.78 5,761,408,284.74 -2,720,717,608.04 33,785,219,843.94 -8.05%
BANGKO MONTANOSA INC (A RURAL BANK)  20,411,164.14 12,240,568.96 -8,170,595.18 103,472,544.08 -7.90%
COOPERATIVE BANK OF BOHOL  44,758,463.47 39,149,952.13 -5,608,511.34 72,242,094.93 -7.76%
GUAGUA RURAL BANK INC  220,564,769.30 140,250,669.34 -80,314,099.96 1,040,622,295.20 -7.72%
RB OF GENERAL TRIAS INC  30,785,314.86 21,317,109.23 -9,468,205.63 125,509,556.66 -7.54%
RBG IMPERIAL BANK INC(A RURAL BANK)  36,481,445.99 24,050,302.59 -12,431,143.40 171,191,318.38 -7.26%
RB OF BAY INC   13,953,950.59 9,392,045.76 -4,561,904.83 63,003,017.77 -7.24%
WEALTH DEVELOPMENT BANK CORPORATION 268,819,611.66 162,085,067.38 -106,734,544.28 1,474,831,753.81 -7.24%
CITY SAVINGS BANK INC 3,010,383,651.86 1,918,963,890.53 -1,091,419,761.33 15,436,550,270.15 -7.07%
RB OF ITOGON (BENGUET) INC  28,760,772.53 20,856,750.24 -7,904,022.29 114,247,478.52 -6.92%
NORTH PACIFIC BANKING CORPORATION (A RB OF STA MARIA ISABELA 11,526,154.72 7,235,811.29 -4,290,343.43 67,200,292.83 -6.38%
MALARAYAT RB INC   36,854,031.82 25,908,936.49 -10,945,095.33 180,701,871.35 -6.06%
RB OF MARIA AURORA (AURORA) INC  44,910,092.22 32,290,057.15 -12,620,035.07 214,618,371.25 -5.88%
FIRST ISABELA COOP BANK INC(FICOBANK)  137,996,610.54 83,356,031.77 -54,640,578.77 974,337,690.87 -5.61%
1ST VALLEY BANK INC A DEVELOPMENT BANK 429,741,272.20 320,488,219.06 -109,253,053.14 1,970,743,899.31 -5.54%
UNITED COCONUT PLANTERS BANK 3,888,985,291.02 2,986,522,578.59 -902,462,712.43 16,649,922,177.21 -5.42%
PHIL SAVINGS BANK 5,268,802,532.42 3,588,560,922.59 -1,680,241,609.83 31,790,553,683.13 -5.29%
BOF INC (A RURAL BANK)  104,942,885.24 73,616,352.00 -31,326,533.24 600,130,437.10 -5.22%
BANGKO KABAYAN INC (A PRIVATE DEVELOPMENT BANK) 44,082,599.44 16,187,268.22 -27,895,331.22 538,366,612.86 -5.18%
MVSM BANK (A RURAL BANK SINCE 1953) INC 27,218,555.10 19,171,535.80 -8,047,019.30 159,687,646.38 -5.04%
MACTAN RURAL BANK (LAPU-LAPU CITY) INC 44,562,091.54 35,641,219.41 -8,920,872.13 184,024,546.09 -4.85%
RB OF DOLORES (QUEZON) INC  7,390,927.92 3,607,339.71 -3,783,588.21 79,070,504.64 -4.79%
EAST WEST BANKING CORP 8,610,083,353.31 6,519,164,326.98 -2,090,919,026.33 43,795,257,320.85 -4.77%
RB OF PORAC (PAMPANGA) INC  65,068,945.82 50,957,747.44 -14,111,198.38 297,368,448.45 -4.75%
MOUNT MAKILING RURAL BANK INC  41,815,862.10 26,719,584.60 -15,096,277.50 325,704,627.47 -4.63%
MALLIG PLAINS RURAL BANK (ISABELA) INC  19,294,548.79 13,545,988.50 -5,748,560.29 124,640,726.88 -4.61%
PACIFIC ACE SAVINGS BANK INC 6,376,856.80 2,563,784.84 -3,813,071.96 87,327,051.02 -4.37%
RB OF PILAR (BATAAN) INC  27,062,171.03 21,128,456.06 -5,933,714.97 143,980,016.66 -4.12%
RB OF MAGDALENA (LAGUNA) INC  36,530,023.93 32,643,306.63 -3,886,717.30 99,308,300.42 -3.91%
BHF RURAL BANK INC   45,263,613.73 33,009,434.07 -12,254,179.66 323,397,891.99 -3.79%
RIZAL COMM'L BANKING CORP 9,138,222,362.70 6,092,690,057.40 -3,045,532,305.30 83,068,159,957.34 -3.67%
SUMMIT BANK (RB OF TUBLAY INC)  111,431,487.14 101,519,240.65 -9,912,246.49 306,151,116.36 -3.24%
RB OF SAN LUIS (PAMPANGA) INC  15,318,517.54 12,049,937.14 -3,268,580.40 106,561,878.43 -3.07%
COMMON WEALTH RURAL BANK INC  26,193,119.98 21,537,312.57 -4,655,807.41 156,062,792.11 -2.98%
RB OF ANGELES INC   141,262,459.49 127,205,865.15 -14,056,594.34 553,786,677.02 -2.54%
ASIA UNITED BANK CORPORATION 2,440,337,529.57 1,691,951,009.74 -748,386,519.83 31,063,958,516.72 -2.41%
PAMPANGA DEVELOPMENT BANK 39,980,974.48 34,149,991.29 -5,830,983.19 251,832,141.04 -2.32%
BANK OF MAKATI (A SAVINGS BANK) INC 1,670,280,288.45 1,440,080,822.27 -230,199,466.18 10,268,613,843.37 -2.24%
RB OF BAGABAG (N.V.)INC   51,672,811.69 48,699,105.09 -2,973,706.60 134,474,785.17 -2.21%
RB OF SOLANO (NUEVA VIZCAYA) INC  23,645,043.95 18,974,954.55 -4,670,089.40 219,323,898.98 -2.13%
QUEZON CAPITAL RB INC  55,962,043.43 48,297,375.22 -7,664,668.21 361,853,281.58 -2.12%
MALAYAN BANK SAVINGS AND MORT BANK INC 201,299,477.70 175,404,539.13 -25,894,938.57 1,301,687,031.52 -1.99%
FIRST CONSOLIDATED BANK INC (A PDB) 797,809,064.10 700,441,492.91 -97,367,571.19 4,924,755,671.34 -1.98%
CEBUANA LHUILLIER RB INC  15,484,423.77 12,705,034.94 -2,779,388.83 146,340,864.16 -1.90%
RB OF STA ROSA DE LIMA (PANIQUI TARLAC) INC 17,850,490.74 15,084,364.50 -2,766,126.24 162,888,841.94 -1.70%
CARD SME BANK INC A THRIFT BANK 121,488,568.44 100,573,570.52 -20,914,997.92 1,281,839,190.19 -1.63%
CAMALIG BANK INC (A RURAL BANK)  38,759,005.74 34,116,554.88 -4,642,450.86 296,052,248.84 -1.57%
STANDARD CHARTERED BANK 2,090,643,628.09 1,986,027,586.01 -104,616,042.08 6,954,724,709.81 -1.50%
COOP BANK OF QUEZON PROVINCE  31,151,943.96 29,649,856.91 -1,502,087.05 101,105,655.78 -1.49%
QUEZON COCONUT BANK INC (A THRIFT BANK) 2,162,044.92 1,303,520.97 -858,523.95 59,643,595.76 -1.44%
INSULAR SAVERS BANK INC (A RURAL BANK)  106,506,654.94 96,896,772.79 -9,609,882.15 675,587,437.21 -1.42%
COUNTRY BUILDERS BANK INC (A RURAL BANK) 49,904,633.82 45,191,870.21 -4,712,763.61 344,936,566.20 -1.37%
ALLBANK (A THRIFT BANK) INC 55,824,911.60 43,546,511.42 -12,278,400.18 1,068,710,159.58 -1.15%
LIFE SAVINGS BANK INC 6,219,594.39 5,424,695.67 -794,898.72 74,146,257.08 -1.07%
NATIONAL TEACHERS & EMP. COOP BANK  20,260,575.43 19,299,357.95 -961,217.48 115,835,418.27 -0.83%
UNION BANK OF THE PHILS 7,228,316,823.23 6,533,845,271.27 -694,471,551.96 83,983,234,846.20 -0.83%
RB OF MIDSAYAP INC   10,164,333.51 9,675,443.18 -488,890.33 95,679,296.50 -0.51%
MT CARMEL RURAL BANK INC  193,207,868.74 192,204,097.46 -1,003,771.28 221,497,951.09 -0.45%
CAVITE UNITED RURAL BANK CORP  34,337,447.07 32,805,111.70 -1,532,335.37 402,535,170.71 -0.38%
RB OF POLA (ORIENTAL MINDORO) INC  41,047,170.18 40,015,329.62 -1,031,840.56 293,234,071.77 -0.35%
LEMERY SAVINGS & LOAN BANK, INC. 2,770,736.38 2,596,522.43 -174,213.95 89,272,509.48 -0.20%
DUMAGUETE CITY DEV BANK INC 19,462,974.38 19,299,237.59 -163,736.79 319,998,570.91 -0.05%
ARDCIBANK INC A RURAL BANK  NA NA NA NA NA
BANCO SANTIAGO DE LIBON INC  NA NA NA NA NA
BANGKO CARRASCAL INC (A RB)  NA NA NA NA NA
CIMB BANK PHILIPPINES INC 0.00 0.00 0.00 2,521,389,099.17 0.00%
GOLDEN RURAL BANK OF THE PHILIPPINES INC NA NA NA NA NA
INDUSTRIAL AND COMMERCIAL BANK OF CHINA LIMITED - MANILA BRANCH 0.00 0.00 0.00 3,916,493,015.43 0.00%
LIBERTY BANK (A RURAL BANK) INC  NA NA NA NA NA
RB OF MABITAC (LAGUNA) INC  NA NA NA NA NA
LAGUNA PRESTIGE BANKING CORPORATION (A RURAL BANK) 13,435,283.25 13,556,709.28 121,426.03 232,835,473.78 0.05%
PHIL STAR DEVELOPMENT BANK INC 9,408,234.62 9,482,646.07 74,411.45 127,646,072.46 0.06%
BDO PRIVATE BANK, INC. 0.00 5,478,184.77 5,478,184.77 5,674,503,251.93 0.10%
HUA NAN COMMERCIAL BANK LTD MANILA BRANCH 0.00 2,781,767.63 2,781,767.63 2,096,157,608.32 0.13%
SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH 0.00 24,786,093.42 24,786,093.42 13,000,961,993.40 0.19%
HIYAS BANKING CORPORATION 23,392,927.01 23,858,848.68 465,921.67 180,046,120.37 0.26%
IMUS RURAL BANK INC   9,631,534.26 10,202,966.38 571,432.12 206,709,085.26 0.28%
SUN SAVINGS BANK INC 20,673,263.86 21,602,592.83 929,328.97 255,816,950.60 0.36%
FIRST COMMERCIAL BANK LTD MANILA BRANCH 0.00 8,624,926.00 8,624,926.00 2,040,235,846.43 0.42%
RB OF BAYOMBONG INC   12,132,959.17 12,876,830.41 743,871.24 168,106,845.24 0.44%
CHANG HWA COMMERCIAL BANK LTD - MANILA BRANCH 0.00 10,550,000.00 10,550,000.00 2,153,659,772.82 0.49%
AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED 0.00 21,455,770.04 21,455,770.04 4,379,173,822.27 0.49%
JP MORGAN CHASE BANK NATIONAL ASSN. 0.00 16,000,000.00 16,000,000.00 3,025,177,605.83 0.53%
ISLA BANK(A THRIFT BANK) INC 0.00 4,290,580.33 4,290,580.33 762,952,239.76 0.56%
CATHAY UNITED BANK CO LTD - MANILA BRANCH 0.00 33,412,882.90 33,412,882.90 5,274,188,305.52 0.63%
BANK OF AMERICA N.A. 0.00 14,035,211.53 14,035,211.53 2,146,908,066.34 0.65%
UNITED OVERSEAS BANK LIMITED MANILA BRANCH 0.00 15,825,147.83 15,825,147.83 2,420,456,855.67 0.65%
BANK ONE SAVINGS CORPORATION 39,936,008.80 44,360,195.39 4,424,186.59 630,122,637.42 0.70%
ING BANK N.V. 85.60 19,759,123.31 19,759,037.71 2,809,251,473.27 0.70%
INDUSTRIAL BANK OF KOREA MANILA BRANCH 0.00 29,741,016.02 29,741,016.02 4,003,823,850.47 0.74%
INNOVATIVE BANK INC (A RURAL BANK)  1,009,733.44 4,105,914.14 3,096,180.70 358,600,073.23 0.86%
LIFEBANK- A RURAL BANK  16,306,596.91 19,045,803.50 2,739,206.59 294,917,526.72 0.93%
SHINHAN BANK - MANILA BRANCH 0.00 43,488,714.50 43,488,714.50 4,234,525,779.54 1.03%
UNIVERSITY SAVINGS BANK INC 33,556,608.69 38,806,861.19 5,250,252.50 434,423,473.21 1.21%
MANOR BANK - A RURAL BANK CORP  5,057,672.57 6,438,338.05 1,380,665.48 114,178,811.60 1.21%
CENTURY SAVINGS BANK CORPORATION 7,630,595.26 19,537,665.62 11,907,070.36 983,300,736.72 1.21%
RB OF PANDI (BULACAN) INC  14,454,358.32 17,503,333.32 3,048,975.00 249,455,582.83 1.22%
BANK OF CHINA LIMITED-MANILA BRANCH 0.00 132,904,439.37 132,904,439.37 10,103,616,408.45 1.32%
PHILIPPINE BUSINESS BANK INC A SAVINGS BANK 1,275,888,994.38 1,432,410,745.52 156,521,751.14 11,365,949,250.81 1.38%
RB OF DIGOS INC   27,810,830.84 30,755,255.66 2,944,424.82 199,015,014.89 1.48%
FILIDIAN RURAL BANK OF ANTIPOLO INC  5,748,368.93 8,010,576.41 2,262,207.48 145,042,602.59 1.56%
YUANTA SAVINGS BANK PHILIPPINES INC 85,604,633.10 99,563,019.67 13,958,386.57 888,554,814.32 1.57%
ZAMBALES RURAL BANK INC  34,086,527.95 37,231,967.63 3,145,439.68 187,694,153.35 1.68%
HIGHLAND RURAL BANK INC  17,065,324.78 19,749,937.35 2,684,612.57 148,644,460.92 1.81%
ROBINSONS BANK CORPORATION 663,688,894.02 951,243,882.12 287,554,988.10 15,765,665,130.37 1.82%
KEB HANA BANK - MANILA BRANCH 18,440,168.80 85,751,097.65 67,310,928.85 3,187,893,371.11 2.11%
RB OF GLORIA (OR MIN) INC  2,627,311.13 4,772,647.47 2,145,336.34 99,993,758.47 2.15%
RB OF ROSARIO (LA UNION) INC  4,578,694.73 6,103,952.39 1,525,257.66 69,118,035.77 2.21%
PHIL BANK OF COMMUNICATIONS 1,888,873,964.86 2,167,864,381.37 278,990,416.51 12,586,539,501.84 2.22%
BUSINESS AND CONSUMERS BANK (A DB) 6,436,762.89 8,486,844.96 2,050,082.07 90,429,044.77 2.27%
BANK OF THE PHIL ISLANDS 10,795,565,421.38 16,775,186,821.96 5,979,621,400.58 255,226,582,523.82 2.34%
COOPERATIVE BANK OF NUEVA VIZCAYA  25,927,188.73 28,184,283.68 2,257,094.95 95,700,362.78 2.36%
MERCHANTS SAVINGS & LOAN ASSN INC 65,427,153.04 80,267,411.03 14,840,257.99 586,350,795.10 2.53%
BDO UNIBANK INC 16,420,746,250.74 24,998,255,030.38 8,577,508,779.64 337,734,539,274.04 2.54%
RB OF CENTRAL PANGASINAN (BAYAMBANG) INC  33,190,895.28 37,772,357.14 4,581,461.86 174,741,360.55 2.62%
CARD MRI RIZAL BANK INC A MICROFINANCE-ORIENTED RURAL BANK 56,798,626.42 82,437,796.57 25,639,170.15 949,448,117.46 2.70%
DEVELOPMENT BANK OF THE PHIL 5,874,327,486.31 7,341,745,992.27 1,467,418,505.96 53,806,797,083.07 2.73%
ASPAC RURAL BANK INC  86,901,315.01 93,624,578.63 6,723,263.62 246,317,704.08 2.73%
RB OF POZORRUBIO INC  16,144,780.44 16,919,283.54 774,503.10 28,157,011.54 2.75%
QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK 2,756,739.10 21,401,012.93 18,644,273.83 670,316,422.22 2.78%
RBT BANK INC A RURAL BANK  6,690,874.56 13,433,976.72 6,743,102.16 238,659,110.64 2.83%
RB OF BROOKE'S POINT (PALAWAN) INC  1,539,518.26 4,404,030.46 2,864,512.20 100,169,277.68 2.86%
SECURITY BANK CORP 2,345,045,648.55 5,722,113,002.17 3,377,067,353.62 111,270,420,778.92 3.04%
METROPOLITAN BANK & TCO 9,627,872,413.80 18,642,521,374.06 9,014,648,960.26 287,592,341,226.74 3.13%
INTER-ASIA DEVELOPMENT BANK 5,892,968.74 8,772,461.70 2,879,492.96 87,127,301.05 3.30%
MINDANAO CONSOLIDATED COOPERATIVE BANK  134,022,726.29 144,174,654.60 10,151,928.31 306,623,286.70 3.31%
GUAGUA SAVERS BANK(A RB) INC  7,913,292.36 10,460,371.42 2,547,079.06 74,222,393.17 3.43%
DUNGGANON BANK (A MICROFINANCE RURAL BANK) INC 27,475,497.14 31,863,926.50 4,388,429.36 127,443,591.04 3.44%
PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) 92,891,803.42 111,344,026.81 18,452,223.39 510,386,277.61 3.62%
SECURED BANK INC (A RB)  16,224,047.74 20,729,485.55 4,505,437.81 124,512,442.84 3.62%
FARMERS SAVINGS & LOAN BANK INC 23,157,991.04 27,922,632.75 4,764,641.71 130,476,255.13 3.65%
STA MARIA RURAL BANK INC  2,551,744.41 5,408,692.40 2,856,947.99 78,024,966.91 3.66%
RB OF LEBAK (SULTAN KUDARAT) INC  32,585,430.94 35,525,546.61 2,940,115.67 77,931,786.09 3.77%
RB OF STA IGNACIA INC  2,688,057.27 7,787,713.52 5,099,656.25 129,855,014.94 3.93%
HSBC SAVINGS BANK(PHILS) INC 30,448,184.61 98,138,036.18 67,689,851.57 1,639,461,130.29 4.13%
RB OF MONTALBAN INC   2,566,068.84 5,160,255.06 2,594,186.22 62,751,659.26 4.13%
CORDILLERA SAVINGS BANK INC 8,608,602.46 14,379,069.48 5,770,467.02 135,344,162.36 4.26%
LEGAZPI SAVINGS BANK INC 255,084,347.10 278,762,129.74 23,677,782.64 554,962,918.96 4.27%
RB OF GATTARAN (CAGAYAN) INC  16,193,598.39 20,029,064.67 3,835,466.28 88,496,734.34 4.33%
CHINA BANKING CORP 1,978,148,373.51 5,617,140,055.38 3,638,991,681.87 83,569,018,492.74 4.35%
RB OF DULAG (LEYTE) INC  7,849,122.83 13,215,360.44 5,366,237.61 114,282,664.95 4.70%
CTBC BANK (PHILIPPINES) CORP 543,665,135.42 907,563,360.94 363,898,225.52 7,367,231,281.43 4.94%
SOUTH BANK (A RURAL BANK) INC  27,223,432.63 31,226,104.14 4,002,671.51 79,522,664.36 5.03%
LAND BANK OF THE PHILIPPINES 9,422,292,610.15 16,508,807,328.70 7,086,514,718.55 136,468,098,866.72 5.19%
TANAY RB INC   174,359,973.54 186,575,436.94 12,215,463.40 229,318,746.15 5.33%
MARAYO BANK INC (A RURAL BANK)  96,391,908.85 129,252,381.84 32,860,472.99 611,536,829.01 5.37%
RURAL BANK OF PLACER (SURIGAO DEL NORTE) INC 30,721,659.46 36,707,016.93 5,985,357.47 110,156,349.47 5.43%
KATIPUNAN BANK INC "A RURAL BANK"  43,859,248.90 68,925,060.02 25,065,811.12 458,258,320.76 5.47%
AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS 85,873.60 8,274,296.12 8,188,422.52 148,618,056.54 5.51%
RNG COASTAL BANK INC(A RURAL BANK)  8,739,923.30 17,629,252.45 8,889,329.15 157,605,122.86 5.64%
ILOCOS CONSOLIDATED COOPERATIVE BANK  63,030,408.29 74,977,203.63 11,946,795.34 210,975,768.13 5.66%
BANK OF COMMERCE 1,313,983,622.02 2,286,334,850.60 972,351,228.58 15,950,030,424.22 6.10%
BPI DIRECT BANKO INC A SAVINGS BANK 628,240,801.26 777,443,050.74 149,202,249.48 2,442,756,854.74 6.11%
PHIL NATIONAL BANK 7,633,069,260.06 15,105,800,009.05 7,472,730,748.99 121,655,550,365.23 6.14%
CANTILAN BANK INC (A RURAL BANK)  217,909,560.87 243,193,949.74 25,284,388.87 393,864,225.12 6.42%
MEGA INT'L COMM'L BANK CO LTD 3,700,000.00 230,812,164.40 227,112,164.40 3,503,071,593.50 6.48%
RB OF BARILI (CEBU) INC  17,784,058.70 42,330,570.29 24,546,511.59 373,450,860.71 6.57%
RB OF RIZAL (ZAMBOANGA DEL NORTE) INC  15,342,690.66 24,972,062.37 9,629,371.71 145,828,612.75 6.60%
RB OF ANTIPOLO INC   9,759,180.26 16,498,620.00 6,739,439.74 99,777,265.33 6.75%
DEUTSCHE BANK AG 0.00 198,855,121.71 198,855,121.71 2,927,252,078.96 6.79%
FIRST TAGUM RURAL BANK INC  43,456,100.03 63,786,677.33 20,330,577.30 295,264,177.21 6.89%
NORTHPOINT DEV'T BANK INC 71,712,616.82 98,307,441.95 26,594,825.13 378,949,830.57 7.02%
CARD BANK INC (A MF RB)  183,150,197.27 430,110,418.96 246,960,221.69 3,389,688,458.20 7.29%
COMMTY RB OF CATMON (CEBU) INC  32,713,233.10 39,722,195.13 7,008,962.03 94,084,578.88 7.45%
BANCO LAGUNA INC (A RURAL BANK SINCE 1965) 16,245,683.87 25,034,841.57 8,789,157.70 116,552,648.09 7.54%
MAYBANK PHILIPPINES INCORPORATED 1,355,263,993.81 2,334,513,875.12 979,249,881.31 12,976,834,377.90 7.55%
ONE NETWORK BANK INC (A RURAL BANK OF BDO) 1,618,064,568.08 1,987,829,034.01 369,764,465.93 4,785,859,247.70 7.73%
RB OF SAN MATEO(ISABELA) INC  21,188,587.96 29,923,576.89 8,734,988.93 112,714,078.44 7.75%
RB OF PARACALE(CAMARINES NORTE) INC  18,467,893.14 25,124,157.28 6,656,264.14 85,031,943.33 7.83%
BANKWAYS INC (A RURAL BANK)  28,672,566.57 46,428,646.03 17,756,079.46 214,386,881.53 8.28%
MUFG BANK, LTD. 0.00 388,066,148.46 388,066,148.46 4,611,751,083.72 8.41%
COOP BANK OF PALAWAN   82,554,157.25 98,346,319.90 15,792,162.65 185,296,568.92 8.52%
MIZUHO BANK LTD - MANILA BRANCH 0.00 514,964,797.61 514,964,797.61 5,737,164,707.81 8.98%
PHIL TRUST COMPANY 931,672,641.43 3,345,787,093.03 2,414,114,451.60 24,943,330,760.77 9.68%
COOP BANK OF COTABATO   67,877,791.04 130,507,684.40 62,629,893.36 639,782,180.30 9.79%
HONGKONG & SHANGHAI BANKING CORP 396,177,913.81 1,863,374,777.55 1,467,196,863.74 13,690,260,504.76 10.72%
RB OF MARAGONDON INC  23,847,604.62 29,599,525.10 5,751,920.48 52,585,332.37 10.94%
CENTURY RURAL BANK INC  6,149,685.78 14,397,985.86 8,248,300.08 72,863,452.38 11.32%
RB OF JAEN INC   3,477,336.25 9,503,484.27 6,026,148.02 52,615,778.54 11.45%
CONSOLIDATED COOPERATIVE BANK  338,341,509.07 367,190,499.95 28,848,990.88 248,679,460.49 11.60%
RURAL BANK OF SAN ANTONIO INC  32,738,048.14 51,989,406.93 19,251,358.79 152,738,655.40 12.60%
CITIBANK, N.A. 944,077,922.46 3,084,662,407.51 2,140,584,485.05 16,618,604,899.03 12.88%
RB OF BAMBANG (NUEVA VIZCAYA) INC  36,572,624.94 48,671,473.53 12,098,848.59 92,022,759.55 13.15%
COOP BANK OF BENGUET (CBB)  54,604,654.49 61,160,042.36 6,555,387.87 44,933,527.44 14.59%
RB OF GUINOBATAN INC  12,946,858.74 28,400,406.39 15,453,547.65 102,996,062.63 15.00%
METRO CEBU PUBLIC SAVINGS BANK 7,095,777.52 19,324,507.07 12,228,729.55 80,924,987.30 15.11%
RB OF TANGUB CITY (MIS OCC) INC  22,914,069.49 37,435,873.88 14,521,804.39 94,719,557.61 15.33%
COMMTY RB OF DAPITAN CITY INC  32,296,458.81 50,350,694.86 18,054,236.05 113,805,953.58 15.86%
BANGKOK BANK PUBLIC CO LTD 16,977,639.05 527,145,500.00 510,167,860.95 3,125,515,259.83 16.32%
PBCOM RURAL BANK INC  358,983,978.50 448,313,014.18 89,329,035.68 478,819,454.29 18.66%
PROGRESSIVE BANK INC (PROGRESSIVE A RURAL BANK INC) 94,456,025.10 108,649,860.53 14,193,835.43 74,976,587.02 18.93%
GATEWAY RURAL BANK INC  10,273,834.24 28,178,813.44 17,904,979.20 94,494,434.26 18.95%
RB OF MABALACAT INC   30,483,596.62 45,010,766.01 14,527,169.39 60,605,411.25 23.97%
VALIANT BANK INC (A RURAL BANK)  111,898,657.50 156,316,377.14 44,417,719.64 70,213,390.86 63.26%
RB OF PILAR (SORSOGON) INC  14,696,903.23 73,338,901.59 58,641,998.36 71,711,638.43 81.77%
Grand Total157,704,481,665.67190,487,610,987.0232,783,129,321.352,078,436,359,716.481.58%


Source: www.bsp.gov.ph


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