On the face of it, no.
At 1.56% as of March 31, 2019, NPLs as a percentage of Total Loan Portfolios are at historic lows.
However, NPLs can go much higher than current levels. Over the past thirty-six years, NPLs as a percentage of Total Loan Portfolios averaged 7.79% for Philippine Universal and Commercial Banks. Moreover, Loan Loss Reserves (LLR) as a percentage of Total Loan Portfolio (TLP) have averaged 4.44% for the past thirty-five years. As can be seen from the chart below, loan loss reserves hit a peak of 22.23% of TLP in 1986, an outlier. Without this outlier, LLR/TLP average is 4.73% for the past thirty-five years.
As of March 31, 2019, LLR/TLP stands at 1.77%, which is below the historical average of 4.44%, indicating that Philippine banks are under-provisioning for loan losses, given historical norms. If Philippine banks were to maintain higher loan loss provisions to conform to historical averages, bank earnings will suffer but will be better provisioned for future losses.
Now, which banks have not adequately provisioned for loan losses at their current NPL levels, which are at historic lows? Those highlighted in yellow (below 80% NPL Coverage Ratio) are prime candidates.
| Philippine Banking System | |||||
| NPL Coverage Ratio | |||||
| March 31, 2019 | |||||
| Bank | Loan Loss Provisions | Gross NPLs | NPL Coverage Ratio | ||
| PNB SAVINGS BANK | 1,154,983,175.91 | 8,673,395,085.72 | 13.32% | ||
| GRAND-AGRI RURAL BANK | 10,388,170.55 | 72,890,255.72 | 14.25% | ||
| UCPB SAVINGS BANK | 617,268,098.59 | 2,681,966,322.06 | 23.02% | ||
| EAST WEST RURAL BANK INC | 300,269,103.61 | 1,116,788,623.70 | 26.89% | ||
| AMA RURAL BANK OF MANDALUYONG INC | 154,372,964.62 | 529,646,693.76 | 29.15% | ||
| BANGKO KABAYAN INC (A PRIVATE DEVELOPMENT BANK) | 16,187,268.22 | 55,103,249.30 | 29.38% | ||
| PRODUCERS SAVINGS BANK CORPORATION | 146,518,210.97 | 472,710,142.14 | 31.00% | ||
| RB OF ALABEL (SARANGANI) INC | 15,347,625.97 | 48,026,443.33 | 31.96% | ||
| BENGUET CENTER BANK INC A RB | 12,076,759.51 | 37,718,432.85 | 32.02% | ||
| PACIFIC ACE SAVINGS BANK INC | 2,563,784.84 | 7,971,071.00 | 32.16% | ||
| MARITIME SAVINGS BANK CORPORATION | 6,948,645.24 | 21,061,256.32 | 32.99% | ||
| RANG-AY BANK INC (A RURAL BANK) | 50,777,067.90 | 146,486,339.58 | 34.66% | ||
| EQUICOM SAVINGS BANK INC | 255,213,735.53 | 725,954,388.87 | 35.16% | ||
| AGRIBUSINESS RURAL BANK INC | 158,230,972.11 | 447,303,427.75 | 35.37% | ||
| RB OF CAUAYAN INC | 30,510,587.31 | 85,600,773.48 | 35.64% | ||
| RB OF DOLORES (QUEZON) INC | 3,607,339.71 | 9,238,659.90 | 39.05% | ||
| BALANGA RURAL BANK, INC. | 11,725,252.60 | 29,888,521.28 | 39.23% | ||
| RB OF MIAGAO (ILOILO) INC | 17,298,952.02 | 43,554,119.24 | 39.72% | ||
| NEW RB OF SAN LEONARDO(N.E.) INC | 41,409,476.08 | 103,846,747.66 | 39.88% | ||
| CITYSTATE SAVINGS BANK INC | 72,630,279.93 | 180,522,225.61 | 40.23% | ||
| SAVIOUR RURAL BANK INC | 19,138,792.82 | 46,917,032.85 | 40.79% | ||
| ENTREPRENEUR RB INC | 25,420,476.19 | 60,442,560.74 | 42.06% | ||
| RCBC SAVINGS BANK INC | 1,938,544,263.04 | 4,378,546,725.78 | 44.27% | ||
| BANGKO MABUHAY (A RURAL BANK) INC | 50,496,346.42 | 111,819,603.32 | 45.16% | ||
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 719,239,383.94 | 1,538,165,603.27 | 46.76% | ||
| LUZON DEVELOPMENT BANK | 231,593,856.57 | 484,904,835.08 | 47.76% | ||
| BANGKO MONTANOSA INC (A RURAL BANK) | 12,240,568.96 | 25,513,955.17 | 47.98% | ||
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 1,303,520.97 | 2,702,556.15 | 48.23% | ||
| WEALTH DEVELOPMENT BANK CORPORATION | 162,085,067.38 | 336,024,514.57 | 48.24% | ||
| FIRST ISABELA COOP BANK INC(FICOBANK) | 83,356,031.77 | 172,495,763.18 | 48.32% | ||
| NORTH PACIFIC BANKING CORPORATION (A RB OF STA MARIA ISABELA | 7,235,811.29 | 14,407,693.40 | 50.22% | ||
| LAGAWE HIGHLANDS RB INC | 17,885,204.55 | 35,536,370.00 | 50.33% | ||
| GUAGUA RURAL BANK INC | 140,250,669.34 | 275,705,961.62 | 50.87% | ||
| CITY SAVINGS BANK INC | 1,918,963,890.53 | 3,762,979,564.83 | 51.00% | ||
| MOUNT MAKILING RURAL BANK INC | 26,719,584.60 | 52,269,827.62 | 51.12% | ||
| OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE RURAL BANK) | 14,364,648.91 | 27,552,819.32 | 52.13% | ||
| RBG IMPERIAL BANK INC(A RURAL BANK) | 24,050,302.59 | 45,601,807.49 | 52.74% | ||
| BATAAN DEVELOPMENT BANK | 22,754,046.06 | 42,790,738.01 | 53.18% | ||
| RIZAL COMM'L BANKING CORP | 6,092,690,057.40 | 11,422,777,953.38 | 53.34% | ||
| VILLAGE BANK INC (A RURAL BANK) | 36,467,491.18 | 68,142,289.83 | 53.52% | ||
| CHINA BANK SAVINGS INC | 1,984,546,647.92 | 3,686,212,687.58 | 53.84% | ||
| RB OF BAY INC | 9,392,045.76 | 17,442,438.24 | 53.85% | ||
| RB OF DUMANGAS INC | 18,022,047.51 | 33,232,987.62 | 54.23% | ||
| BPI FAMILY SAVINGS BANK INC | 5,761,408,284.74 | 10,602,657,365.98 | 54.34% | ||
| PHIL SAVINGS BANK | 3,588,560,922.59 | 6,586,003,165.52 | 54.49% | ||
| RB OF GENERAL TRIAS INC | 21,317,109.23 | 38,481,643.58 | 55.40% | ||
| ASIA UNITED BANK CORPORATION | 1,691,951,009.74 | 3,050,421,911.96 | 55.47% | ||
| BOF INC (A RURAL BANK) | 73,616,352.00 | 131,178,606.55 | 56.12% | ||
| MALLIG PLAINS RURAL BANK (ISABELA) INC | 13,545,988.50 | 24,118,185.99 | 56.17% | ||
| MALARAYAT RB INC | 25,908,936.49 | 46,067,539.78 | 56.24% | ||
| MVSM BANK (A RURAL BANK SINCE 1953) INC | 19,171,535.80 | 34,023,193.87 | 56.35% | ||
| SUGBUANON RB INC | 24,131,362.74 | 42,645,091.04 | 56.59% | ||
| ENTERPRISE BANK INC (A THRIFT BANK) | 206,217,463.29 | 362,600,884.23 | 56.87% | ||
| RB OF MARIA AURORA (AURORA) INC | 32,290,057.15 | 56,137,615.28 | 57.52% | ||
| RB OF ITOGON (BENGUET) INC | 20,856,750.24 | 35,950,965.66 | 58.01% | ||
| BHF RURAL BANK INC | 33,009,434.07 | 56,579,517.16 | 58.34% | ||
| GM BANK OF LUZON INC (A RURAL BANK) | 151,407,828.76 | 259,497,842.79 | 58.35% | ||
| METRO SOUTH COOP BANK | 187,660,629.11 | 315,241,132.97 | 59.53% | ||
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 320,488,219.06 | 537,176,590.25 | 59.66% | ||
| EAST WEST BANKING CORP | 6,519,164,326.98 | 10,762,604,191.64 | 60.57% | ||
| UNITED COCONUT PLANTERS BANK | 2,986,522,578.59 | 4,861,231,613.77 | 61.44% | ||
| RB OF CARDONA (RIZAL) INC | 68,912,910.65 | 110,911,009.71 | 62.13% | ||
| ALLBANK (A THRIFT BANK) INC | 43,546,511.42 | 69,781,139.50 | 62.40% | ||
| RB OF PILAR (BATAAN) INC | 21,128,456.06 | 33,827,713.79 | 62.46% | ||
| COOP BANK OF CAGAYAN | 55,486,475.94 | 88,663,893.48 | 62.58% | ||
| RB OF PORAC (PAMPANGA) INC | 50,957,747.44 | 81,336,182.28 | 62.65% | ||
| RB OF SAN LUIS (PAMPANGA) INC | 12,049,937.14 | 19,148,146.92 | 62.93% | ||
| RB OF SAN PASCUAL(OBANDO BULACAN)INC | 20,556,011.54 | 32,251,724.62 | 63.74% | ||
| MACTAN RURAL BANK (LAPU-LAPU CITY) INC | 35,641,219.41 | 55,702,614.43 | 63.98% | ||
| RB OF SOLANO (NUEVA VIZCAYA) INC | 18,974,954.55 | 29,556,304.94 | 64.20% | ||
| CEBUANA LHUILLIER RB INC | 12,705,034.94 | 19,355,529.71 | 65.64% | ||
| COMMON WEALTH RURAL BANK INC | 21,537,312.57 | 32,741,399.97 | 65.78% | ||
| CARD SME BANK INC A THRIFT BANK | 100,573,570.52 | 151,860,710.55 | 66.23% | ||
| RB OF STA ROSA DE LIMA (PANIQUI TARLAC) INC | 15,084,364.50 | 22,313,113.42 | 67.60% | ||
| PAMPANGA DEVELOPMENT BANK | 34,149,991.29 | 49,976,218.10 | 68.33% | ||
| BANK OF MAKATI (A SAVINGS BANK) INC | 1,440,080,822.27 | 2,087,850,360.56 | 68.97% | ||
| QUEZON CAPITAL RB INC | 48,297,375.22 | 69,952,554.29 | 69.04% | ||
| PLANBANK "RB OF CANLUBANG PLANTERS INC" | 56,051,192.21 | 80,413,275.21 | 69.70% | ||
| MALAYAN BANK SAVINGS AND MORT BANK INC | 175,404,539.13 | 251,624,347.13 | 69.71% | ||
| LIFE SAVINGS BANK INC | 5,424,695.67 | 7,774,492.99 | 69.78% | ||
| COOPERATIVE BANK OF BOHOL | 39,149,952.13 | 55,948,079.34 | 69.98% | ||
| FIRST CONSOLIDATED BANK INC (A PDB) | 700,441,492.91 | 997,261,330.12 | 70.24% | ||
| CAMALIG BANK INC (A RURAL BANK) | 34,116,554.88 | 48,448,757.18 | 70.42% | ||
| RB OF MAGDALENA (LAGUNA) INC | 32,643,306.63 | 45,662,529.91 | 71.49% | ||
| ALIAGA FARMERS RURAL BANK INC | 84,941,452.55 | 118,272,483.59 | 71.82% | ||
| RB OF ANGELES INC | 127,205,865.15 | 176,578,074.36 | 72.04% | ||
| UNION BANK OF THE PHILS | 6,533,845,271.27 | 9,035,396,029.04 | 72.31% | ||
| COUNTRY BUILDERS BANK INC (A RURAL BANK) | 45,191,870.21 | 62,380,792.27 | 72.45% | ||
| INSULAR SAVERS BANK INC (A RURAL BANK) | 96,896,772.79 | 133,133,318.68 | 72.78% | ||
| SUMMIT BANK (RB OF TUBLAY INC) | 101,519,240.65 | 139,289,358.92 | 72.88% | ||
| PEOPLES BANK OF CARAGA INC (A RURAL BANK) | 306,682,396.53 | 420,092,242.26 | 73.00% | ||
| LEMERY SAVINGS & LOAN BANK, INC. | 2,596,522.43 | 3,463,420.48 | 74.97% | ||
| RB OF BAGABAG (N.V.)INC | 48,699,105.09 | 64,591,014.61 | 75.40% | ||
| STANDARD CHARTERED BANK | 1,986,027,586.01 | 2,613,304,535.11 | 76.00% | ||
| COOP BANK OF QUEZON PROVINCE | 29,649,856.91 | 38,939,929.95 | 76.14% | ||
| RB OF MIDSAYAP INC | 9,675,443.18 | 12,705,416.89 | 76.15% | ||
| NATIONAL TEACHERS & EMP. COOP BANK | 19,299,357.95 | 25,325,719.29 | 76.20% | ||
| CAVITE UNITED RURAL BANK CORP | 32,805,111.70 | 42,921,808.84 | 76.43% | ||
| RB OF POLA (ORIENTAL MINDORO) INC | 40,015,329.62 | 51,308,962.72 | 77.99% | ||
| DUMAGUETE CITY DEV BANK INC | 19,299,237.59 | 24,328,717.98 | 79.33% | ||
| MT CARMEL RURAL BANK INC | 192,204,097.46 | 241,509,835.93 | 79.58% | ||
| PHIL STAR DEVELOPMENT BANK INC | 9,482,646.07 | 11,760,293.28 | 80.63% | ||
| LAGUNA PRESTIGE BANKING CORPORATION (A RURAL BANK) | 13,556,709.28 | 16,794,104.06 | 80.72% | ||
| HIYAS BANKING CORPORATION | 23,858,848.68 | 29,241,158.76 | 81.59% | ||
| SUN SAVINGS BANK INC | 21,602,592.83 | 25,841,579.82 | 83.60% | ||
| RB OF POZORRUBIO INC | 16,919,283.54 | 20,180,975.55 | 83.84% | ||
| IMUS RURAL BANK INC | 10,202,966.38 | 12,039,417.83 | 84.75% | ||
| RB OF BAYOMBONG INC | 12,876,830.41 | 15,166,198.96 | 84.90% | ||
| TANAY RB INC | 186,575,436.94 | 217,949,966.93 | 85.60% | ||
| MINDANAO CONSOLIDATED COOPERATIVE BANK | 144,174,654.60 | 167,528,407.86 | 86.06% | ||
| ASPAC RURAL BANK INC | 93,624,578.63 | 108,626,643.76 | 86.19% | ||
| CONSOLIDATED COOPERATIVE BANK | 367,190,499.95 | 422,926,886.34 | 86.82% | ||
| COOPERATIVE BANK OF NUEVA VIZCAYA | 28,184,283.68 | 32,408,985.91 | 86.96% | ||
| RB OF LEBAK (SULTAN KUDARAT) INC | 35,525,546.61 | 40,731,788.67 | 87.22% | ||
| ZAMBALES RURAL BANK INC | 37,231,967.63 | 42,608,159.94 | 87.38% | ||
| LEGAZPI SAVINGS BANK INC | 278,762,129.74 | 318,855,433.88 | 87.43% | ||
| RB OF DIGOS INC | 30,755,255.66 | 34,763,538.55 | 88.47% | ||
| BANK ONE SAVINGS CORPORATION | 44,360,195.39 | 49,920,011.00 | 88.86% | ||
| CANTILAN BANK INC (A RURAL BANK) | 243,193,949.74 | 272,386,951.09 | 89.28% | ||
| COOP BANK OF BENGUET (CBB) | 61,160,042.36 | 68,255,818.11 | 89.60% | ||
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 1,432,410,745.52 | 1,594,861,242.97 | 89.81% | ||
| RB OF CENTRAL PANGASINAN (BAYAMBANG) INC | 37,772,357.14 | 41,488,619.10 | 91.04% | ||
| SOUTH BANK (A RURAL BANK) INC | 31,226,104.14 | 34,029,290.79 | 91.76% | ||
| PHIL BANK OF COMMUNICATIONS | 2,167,864,381.37 | 2,361,092,456.07 | 91.82% | ||
| PROGRESSIVE BANK INC (PROGRESSIVE A RURAL BANK INC) | 108,649,860.53 | 118,070,031.37 | 92.02% | ||
| UNIVERSITY SAVINGS BANK INC | 38,806,861.19 | 41,945,760.86 | 92.52% | ||
| HIGHLAND RURAL BANK INC | 19,749,937.35 | 21,331,655.97 | 92.59% | ||
| DUNGGANON BANK (A MICROFINANCE RURAL BANK) INC | 31,863,926.50 | 34,344,371.42 | 92.78% | ||
| YUANTA SAVINGS BANK PHILIPPINES INC | 99,563,019.67 | 107,005,791.38 | 93.04% | ||
| LIFEBANK- A RURAL BANK | 19,045,803.50 | 20,383,246.14 | 93.44% | ||
| ILOCOS CONSOLIDATED COOPERATIVE BANK | 74,977,203.63 | 78,788,010.36 | 95.16% | ||
| COOP BANK OF PALAWAN | 98,346,319.90 | 103,192,696.56 | 95.30% | ||
| RURAL BANK OF PLACER (SURIGAO DEL NORTE) INC | 36,707,016.93 | 38,402,074.32 | 95.59% | ||
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 111,344,026.81 | 116,114,754.28 | 95.89% | ||
| FARMERS SAVINGS & LOAN BANK INC | 27,922,632.75 | 28,947,488.80 | 96.46% | ||
| RB OF PANDI (BULACAN) INC | 17,503,333.32 | 18,067,947.90 | 96.88% | ||
| COMMTY RB OF CATMON (CEBU) INC | 39,722,195.13 | 40,891,541.37 | 97.14% | ||
| MERCHANTS SAVINGS & LOAN ASSN INC | 80,267,411.03 | 81,783,941.30 | 98.15% | ||
| ONE NETWORK BANK INC (A RURAL BANK OF BDO) | 1,987,829,034.01 | 2,022,580,710.10 | 98.28% | ||
| RB OF GATTARAN (CAGAYAN) INC | 20,029,064.67 | 20,241,997.99 | 98.95% | ||
| BPI DIRECT BANKO INC A SAVINGS BANK | 777,443,050.74 | 785,301,001.57 | 99.00% | ||
| RB OF MARAGONDON INC | 29,599,525.10 | 29,809,505.77 | 99.30% | ||
| PBCOM RURAL BANK INC | 448,313,014.18 | 448,729,973.13 | 99.91% | ||
| DEVELOPMENT BANK OF THE PHIL | 7,341,745,992.27 | 7,342,909,357.89 | 99.98% | ||
| D' ASIAN HILLS BANK INC (A RURAL BANK) | 162,642,653.42 | 161,569,137.23 | 100.66% | ||
| MANOR BANK - A RURAL BANK CORP | 6,438,338.05 | 6,322,090.71 | 101.84% | ||
| SECURED BANK INC (A RB) | 20,729,485.55 | 20,280,059.67 | 102.22% | ||
| BUSINESS AND CONSUMERS BANK (A DB) | 8,486,844.96 | 8,045,953.61 | 105.48% | ||
| GUAGUA SAVERS BANK(A RB) INC | 10,460,371.42 | 9,891,615.45 | 105.75% | ||
| RB OF BAMBANG (NUEVA VIZCAYA) INC | 48,671,473.53 | 45,715,781.18 | 106.47% | ||
| RB OF ROSARIO (LA UNION) INC | 6,103,952.39 | 5,723,368.41 | 106.65% | ||
| MARAYO BANK INC (A RURAL BANK) | 129,252,381.84 | 120,489,886.06 | 107.27% | ||
| RB OF PARACALE(CAMARINES NORTE) INC | 25,124,157.28 | 23,084,866.42 | 108.83% | ||
| NORTHPOINT DEV'T BANK INC | 98,307,441.95 | 89,640,771.02 | 109.67% | ||
| FILIDIAN RURAL BANK OF ANTIPOLO INC | 8,010,576.41 | 7,185,461.16 | 111.48% | ||
| VALIANT BANK INC (A RURAL BANK) | 156,316,377.14 | 139,873,321.87 | 111.76% | ||
| RB OF SAN MATEO(ISABELA) INC | 29,923,576.89 | 26,485,734.95 | 112.98% | ||
| ROBINSONS BANK CORPORATION | 951,243,882.12 | 829,611,117.53 | 114.66% | ||
| CARD MRI RIZAL BANK INC A MICROFINANCE-ORIENTED RURAL BANK | 82,437,796.57 | 70,998,283.02 | 116.11% | ||
| FIRST TAGUM RURAL BANK INC | 63,786,677.33 | 54,320,125.04 | 117.43% | ||
| RB OF MABALACAT INC | 45,010,766.01 | 38,104,495.78 | 118.12% | ||
| INTER-ASIA DEVELOPMENT BANK | 8,772,461.70 | 7,366,210.92 | 119.09% | ||
| BDO UNIBANK INC | 24,998,255,030.38 | 20,525,932,813.43 | 121.79% | ||
| BANCO LAGUNA INC (A RURAL BANK SINCE 1965) | 25,034,841.57 | 20,307,104.84 | 123.28% | ||
| BANK OF THE PHIL ISLANDS | 16,775,186,821.96 | 13,494,456,776.73 | 124.31% | ||
| COMMTY RB OF DAPITAN CITY INC | 50,350,694.86 | 40,370,573.51 | 124.72% | ||
| KATIPUNAN BANK INC "A RURAL BANK" | 68,925,060.02 | 54,824,061.12 | 125.72% | ||
| RURAL BANK OF SAN ANTONIO INC | 51,989,406.93 | 40,922,560.18 | 127.04% | ||
| BANKWAYS INC (A RURAL BANK) | 46,428,646.03 | 35,840,708.21 | 129.54% | ||
| RB OF RIZAL (ZAMBOANGA DEL NORTE) INC | 24,972,062.37 | 19,178,363.32 | 130.21% | ||
| RB OF TANGUB CITY (MIS OCC) INC | 37,435,873.88 | 28,642,586.86 | 130.70% | ||
| CTBC BANK (PHILIPPINES) CORP | 907,563,360.94 | 679,581,419.28 | 133.55% | ||
| CORDILLERA SAVINGS BANK INC | 14,379,069.48 | 10,760,753.08 | 133.63% | ||
| RB OF DULAG (LEYTE) INC | 13,215,360.44 | 9,811,403.54 | 134.69% | ||
| RB OF ANTIPOLO INC | 16,498,620.00 | 12,198,975.33 | 135.25% | ||
| MAYBANK PHILIPPINES INCORPORATED | 2,334,513,875.12 | 1,694,079,992.26 | 137.80% | ||
| BANK OF COMMERCE | 2,286,334,850.60 | 1,642,479,527.53 | 139.20% | ||
| LAND BANK OF THE PHILIPPINES | 16,508,807,328.70 | 11,777,865,762.69 | 140.17% | ||
| RB OF GLORIA (OR MIN) INC | 4,772,647.47 | 3,284,138.91 | 145.32% | ||
| COOP BANK OF COTABATO | 130,507,684.40 | 84,847,238.80 | 153.81% | ||
| METROPOLITAN BANK & TCO | 18,642,521,374.06 | 12,034,840,517.25 | 154.90% | ||
| PHIL NATIONAL BANK | 15,105,800,009.05 | 9,541,336,575.08 | 158.32% | ||
| RBT BANK INC A RURAL BANK | 13,433,976.72 | 8,363,593.20 | 160.62% | ||
| RB OF MONTALBAN INC | 5,160,255.06 | 3,207,586.05 | 160.88% | ||
| RNG COASTAL BANK INC(A RURAL BANK) | 17,629,252.45 | 10,924,904.13 | 161.37% | ||
| STA MARIA RURAL BANK INC | 5,408,692.40 | 3,189,680.51 | 169.57% | ||
| RB OF GUINOBATAN INC | 28,400,406.39 | 16,183,573.43 | 175.49% | ||
| CENTURY RURAL BANK INC | 14,397,985.86 | 7,687,107.22 | 187.30% | ||
| CARD BANK INC (A MF RB) | 430,110,418.96 | 228,937,746.59 | 187.87% | ||
| RB OF BARILI (CEBU) INC | 42,330,570.29 | 22,230,073.37 | 190.42% | ||
| SECURITY BANK CORP | 5,722,113,002.17 | 2,931,307,060.69 | 195.21% | ||
| CENTURY SAVINGS BANK CORPORATION | 19,537,665.62 | 9,538,244.08 | 204.84% | ||
| METRO CEBU PUBLIC SAVINGS BANK | 19,324,507.07 | 8,869,721.90 | 217.87% | ||
| RB OF JAEN INC | 9,503,484.27 | 4,346,670.31 | 218.64% | ||
| GATEWAY RURAL BANK INC | 28,178,813.44 | 12,842,292.80 | 219.42% | ||
| CHINA BANKING CORP | 5,617,140,055.38 | 2,472,685,466.89 | 227.17% | ||
| RB OF BROOKE'S POINT (PALAWAN) INC | 4,404,030.46 | 1,924,397.82 | 228.85% | ||
| RB OF STA IGNACIA INC | 7,787,713.52 | 3,360,071.59 | 231.77% | ||
| HSBC SAVINGS BANK(PHILS) INC | 98,138,036.18 | 38,060,230.76 | 257.85% | ||
| CITIBANK, N.A. | 3,084,662,407.51 | 1,180,097,403.07 | 261.39% | ||
| PHIL TRUST COMPANY | 3,345,787,093.03 | 1,164,590,801.79 | 287.29% | ||
| INNOVATIVE BANK INC (A RURAL BANK) | 4,105,914.14 | 1,262,166.80 | 325.31% | ||
| KEB HANA BANK - MANILA BRANCH | 85,751,097.65 | 23,050,211.00 | 372.02% | ||
| HONGKONG & SHANGHAI BANKING CORP | 1,863,374,777.55 | 495,222,392.26 | 376.27% | ||
| RB OF PILAR (SORSOGON) INC | 73,338,901.59 | 18,371,129.04 | 399.21% | ||
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 21,401,012.93 | 3,445,923.88 | 621.05% | ||
| BANGKOK BANK PUBLIC CO LTD | 527,145,500.00 | 21,222,048.81 | 2483.95% | ||
| MEGA INT'L COMM'L BANK CO LTD | 230,812,164.40 | 4,625,000.00 | 4990.53% | ||
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 8,274,296.12 | 107,342.00 | 7708.35% | ||
| ING BANK N.V. | 19,759,123.31 | 107.00 | 18466470.38% | ||
| ARDCIBANK INC A RURAL BANK | #VALUE! | NA | NA | ||
| AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED | 21,455,770.04 | 0.00 | NA | ||
| BANCO SANTIAGO DE LIBON INC | #VALUE! | NA | NA | ||
| BANGKO CARRASCAL INC (A RB) | #VALUE! | NA | NA | ||
| BANK OF AMERICA N.A. | 14,035,211.53 | 0.00 | NA | ||
| BANK OF CHINA LIMITED-MANILA BRANCH | 132,904,439.37 | 0.00 | NA | ||
| BDO PRIVATE BANK, INC. | 5,478,184.77 | 0.00 | NA | ||
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | 33,412,882.90 | 0.00 | NA | ||
| CHANG HWA COMMERCIAL BANK LTD - MANILA BRANCH | 10,550,000.00 | 0.00 | NA | ||
| CIMB BANK PHILIPPINES INC | 0.00 | 0.00 | NA | ||
| DEUTSCHE BANK AG | 198,855,121.71 | 0.00 | NA | ||
| FIRST COMMERCIAL BANK LTD MANILA BRANCH | 8,624,926.00 | 0.00 | NA | ||
| GOLDEN RURAL BANK OF THE PHILIPPINES INC | #VALUE! | NA | NA | ||
| HUA NAN COMMERCIAL BANK LTD MANILA BRANCH | 2,781,767.63 | 0.00 | NA | ||
| INDUSTRIAL AND COMMERCIAL BANK OF CHINA LIMITED - MANILA BRANCH | 0.00 | 0.00 | NA | ||
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | 29,741,016.02 | 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 | ||
| LIBERTY BANK (A RURAL BANK) INC | #VALUE! | NA | NA | ||
| MIZUHO BANK LTD - MANILA BRANCH | 514,964,797.61 | 0.00 | NA | ||
| MUFG BANK, LTD. | 388,066,148.46 | 0.00 | NA | ||
| RB OF MABITAC (LAGUNA) INC | #VALUE! | NA | NA | ||
| SHINHAN BANK - MANILA BRANCH | 43,488,714.50 | 0.00 | NA | ||
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | 24,786,093.42 | 0.00 | NA | ||
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | 15,825,147.83 | 0.00 | NA | ||
Source: www.bsp.gov.ph
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