On the face of it, no.
At 1.56% as of June 30, 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 June 30, 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 | |||||
| June 30, 2019 | |||||
| Bank | Loan Loss Provisions | Gross NPLs | NPL Coverage Ratio | ||
| GRAND-AGRI RURAL BANK | 10,988,170.55 | 82,349,235.22 | 13.34% | ||
| UCPB SAVINGS BANK | 639,477,443.05 | 2,946,045,527.61 | 21.71% | ||
| PNB SAVINGS BANK | 1,769,122,416.33 | 7,574,467,665.24 | 23.36% | ||
| GOLDEN RURAL BANK OF THE PHILIPPINES INC | 9,836,289.69 | 41,907,426.93 | 23.47% | ||
| NEW RB OF SAN LEONARDO(N.E.) INC | 27,246,834.76 | 97,013,991.04 | 28.09% | ||
| AMA RURAL BANK OF MANDALUYONG INC | 154,372,964.62 | 540,392,913.87 | 28.57% | ||
| EAST WEST RURAL BANK INC | 290,258,714.33 | 1,002,096,412.64 | 28.97% | ||
| BANGKO KABAYAN INC (A PRIVATE DEVELOPMENT BANK) | 16,580,775.36 | 56,251,573.86 | 29.48% | ||
| BENGUET CENTER BANK INC A RB | 12,466,080.95 | 41,233,482.95 | 30.23% | ||
| RANG-AY BANK INC (A RURAL BANK) | 50,981,947.38 | 158,399,716.91 | 32.19% | ||
| MARITIME SAVINGS BANK CORPORATION | 6,948,645.24 | 21,052,842.28 | 33.01% | ||
| RB OF ALABEL (SARANGANI) INC | 15,347,625.97 | 46,337,857.51 | 33.12% | ||
| AGRIBUSINESS RURAL BANK INC | 203,113,649.26 | 581,610,381.17 | 34.92% | ||
| CITYSTATE SAVINGS BANK INC | 52,238,312.19 | 139,036,870.65 | 37.57% | ||
| SAVIOUR RURAL BANK INC | 20,638,792.82 | 54,792,521.77 | 37.67% | ||
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 221,124,450.97 | 581,049,521.67 | 38.06% | ||
| RB OF MIAGAO (ILOILO) INC | 17,298,952.02 | 44,919,128.09 | 38.51% | ||
| SUGBUANON RB INC | 15,069,900.69 | 37,075,317.17 | 40.65% | ||
| CITY SAVINGS BANK INC | 1,541,200,332.64 | 3,738,301,962.68 | 41.23% | ||
| LUZON DEVELOPMENT BANK | 242,241,207.57 | 571,144,553.49 | 42.41% | ||
| MVSM BANK (A RURAL BANK SINCE 1953) INC | 19,854,217.30 | 46,668,835.66 | 42.54% | ||
| RCBC SAVINGS BANK INC | 1,813,544,263.04 | 4,226,686,913.71 | 42.91% | ||
| WEALTH DEVELOPMENT BANK CORPORATION | 162,085,067.38 | 367,143,778.76 | 44.15% | ||
| ENTERPRISE BANK INC (A THRIFT BANK) | 189,912,010.92 | 429,084,186.91 | 44.26% | ||
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 739,945,621.16 | 1,666,793,325.24 | 44.39% | ||
| PAMPANGA DEVELOPMENT BANK | 35,511,952.91 | 79,181,672.84 | 44.85% | ||
| EQUICOM SAVINGS BANK INC | 348,421,359.20 | 773,494,229.76 | 45.05% | ||
| RB OF CARDONA (RIZAL) INC | 46,143,662.75 | 101,516,992.03 | 45.45% | ||
| PANGASINAN BANK (A RB) INC | 16,703,078.52 | 36,168,033.76 | 46.18% | ||
| PACIFIC ACE SAVINGS BANK INC | 4,960,057.63 | 10,546,229.00 | 47.03% | ||
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 1,284,232.61 | 2,695,722.73 | 47.64% | ||
| RB OF PORAC (PAMPANGA) INC | 52,167,484.25 | 109,448,726.13 | 47.66% | ||
| ENTREPRENEUR RB INC | 26,455,011.30 | 55,492,694.09 | 47.67% | ||
| FIRST ISABELA COOP BANK (FICOBANK) | 82,182,634.21 | 171,514,480.68 | 47.92% | ||
| RB OF BAY INC | 9,025,338.02 | 18,383,438.34 | 49.09% | ||
| BANGKO MABUHAY (A RURAL BANK) INC | 46,780,009.94 | 94,805,328.67 | 49.34% | ||
| BALANGA RURAL BANK, INC. | 14,352,361.97 | 28,784,548.23 | 49.86% | ||
| UNITED COCONUT PLANTERS BANK | 3,333,810,601.15 | 6,650,533,946.46 | 50.13% | ||
| BPI FAMILY SAVINGS BANK INC | 5,887,647,288.45 | 11,640,059,814.56 | 50.58% | ||
| COMMON WEALTH RURAL BANK INC | 22,063,712.64 | 43,011,316.79 | 51.30% | ||
| PRODUCERS SAVINGS BANK CORPORATION | 255,014,952.37 | 485,260,014.67 | 52.55% | ||
| RB OF SOLANO (NUEVA VIZCAYA) INC | 20,719,723.92 | 38,525,988.83 | 53.78% | ||
| CHINA BANK SAVINGS INC | 1,961,558,377.60 | 3,632,513,432.17 | 54.00% | ||
| COUNTRY BUILDERS BANK INC (A RURAL BANK) | 38,331,239.64 | 70,653,514.70 | 54.25% | ||
| MALLIG PLAINS RURAL BANK (ISABELA) INC | 14,587,698.52 | 26,270,322.33 | 55.53% | ||
| RB OF GENERAL TRIAS INC | 20,935,313.22 | 37,682,105.61 | 55.56% | ||
| MOUNT MAKILING RURAL BANK INC | 26,790,655.44 | 47,678,344.89 | 56.19% | ||
| PHIL SAVINGS BANK | 3,538,355,930.94 | 6,199,224,521.79 | 57.08% | ||
| GM BANK OF LUZON INC (A RURAL BANK) | 151,407,764.89 | 259,336,684.98 | 58.38% | ||
| RB OF CAUAYAN INC | 27,102,716.20 | 46,408,343.09 | 58.40% | ||
| METRO SOUTH COOP BANK | 203,184,510.32 | 346,923,542.45 | 58.57% | ||
| BANGKO MONTANOSA INC (A RURAL BANK) | 13,646,503.31 | 22,940,970.31 | 59.49% | ||
| QUEZON CAPITAL RB INC | 47,703,204.38 | 79,179,648.99 | 60.25% | ||
| EAST WEST BANKING CORP | 6,309,952,786.96 | 10,457,836,710.66 | 60.34% | ||
| RB OF POLA (ORIENTAL MINDORO) INC | 32,098,210.45 | 52,942,925.32 | 60.63% | ||
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 1,105,993,060.15 | 1,803,315,009.77 | 61.33% | ||
| BOF INC (A RURAL BANK) | 77,658,062.03 | 124,648,443.70 | 62.30% | ||
| GUAGUA RURAL BANK INC | 152,991,978.60 | 245,502,718.30 | 62.32% | ||
| RB OF MARIA AURORA (AURORA) INC | 32,810,056.15 | 52,597,766.00 | 62.38% | ||
| VILLAGE BANK INC (A RURAL BANK) | 37,762,487.79 | 60,530,637.70 | 62.39% | ||
| RB OF PILAR (BATAAN) INC | 22,121,654.11 | 35,187,284.39 | 62.87% | ||
| BATAAN DEVELOPMENT BANK | 23,074,579.11 | 35,750,758.66 | 64.54% | ||
| FIRST CONSOLIDATED BANK INC (A PDB) | 620,206,490.20 | 956,967,717.93 | 64.81% | ||
| BANK OF MAKATI (A SAVINGS BANK) INC | 1,627,356,328.06 | 2,508,990,801.06 | 64.86% | ||
| ALLBANK (A THRIFT BANK) INC | 49,596,511.42 | 75,861,417.62 | 65.38% | ||
| LEMERY SAVINGS & LOAN BANK, INC. | 2,596,522.43 | 3,971,483.13 | 65.38% | ||
| NORTH PACIFIC BANKING CORPORATION (A RB OF STA MARIA ISABELA | 7,472,157.55 | 11,340,333.74 | 65.89% | ||
| RB OF DUMANGAS INC | 18,139,999.87 | 27,310,549.36 | 66.42% | ||
| CEBUANA LHUILLIER RB INC | 14,986,797.78 | 22,501,582.15 | 66.60% | ||
| COOP BANK OF CAGAYAN | 54,711,697.28 | 81,684,666.20 | 66.98% | ||
| MALARAYAT RB INC | 25,826,737.95 | 38,523,343.74 | 67.04% | ||
| CAMALIG BANK INC (A RURAL BANK) | 34,116,554.88 | 50,794,013.49 | 67.17% | ||
| RB OF SAN LUIS (PAMPANGA) INC | 12,049,937.14 | 17,749,636.92 | 67.89% | ||
| RB OF MANGALDAN INC(BANGKO RURAL NG MANGALDAN INK) | 16,651,161.87 | 24,484,506.62 | 68.01% | ||
| MALAYAN BANK SAVINGS AND MORT BANK INC | 173,740,168.17 | 254,526,657.94 | 68.26% | ||
| RB OF STA ROSA DE LIMA (PANIQUI TARLAC) INC | 15,250,254.73 | 22,247,888.54 | 68.55% | ||
| LIFE SAVINGS BANK INC | 5,424,695.67 | 7,906,155.76 | 68.61% | ||
| MACTAN RURAL BANK (LAPU-LAPU CITY) INC | 37,993,630.64 | 55,210,930.86 | 68.82% | ||
| INSULAR SAVERS BANK INC (A RURAL BANK) | 96,559,419.80 | 139,977,540.21 | 68.98% | ||
| ASIA UNITED BANK CORPORATION | 1,818,695,561.82 | 2,631,203,878.59 | 69.12% | ||
| RIZAL COMM'L BANKING CORP | 5,800,130,498.38 | 8,326,889,748.07 | 69.66% | ||
| CAVITE UNITED RURAL BANK CORP | 43,724,621.72 | 62,428,235.50 | 70.04% | ||
| UNION BANK OF THE PHILS | 6,681,249,241.73 | 9,532,820,583.10 | 70.09% | ||
| PEOPLES BANK OF CARAGA INC (A RURAL BANK) | 306,682,396.53 | 433,893,593.97 | 70.68% | ||
| PLANBANK "RB OF CANLUBANG PLANTERS INC" | 56,051,192.21 | 77,429,075.49 | 72.39% | ||
| ALIAGA FARMERS RURAL BANK INC | 94,909,339.06 | 129,518,276.46 | 73.28% | ||
| RB OF ITOGON (BENGUET) INC | 23,724,023.50 | 31,889,140.26 | 74.40% | ||
| STANDARD CHARTERED BANK | 1,944,775,206.20 | 2,592,434,091.74 | 75.02% | ||
| LIBERTY BANK (A RURAL BANK) INC | 27,674,666.92 | 36,746,833.57 | 75.31% | ||
| HIYAS BANKING CORPORATION | 23,077,032.77 | 30,162,575.93 | 76.51% | ||
| RB OF SAN NARCISO INC | 15,366,709.77 | 19,929,864.60 | 77.10% | ||
| SUMMIT BANK (RB OF TUBLAY INC) | 101,519,240.65 | 131,093,102.90 | 77.44% | ||
| RB OF BAYOMBONG INC | 11,818,625.58 | 15,229,025.08 | 77.61% | ||
| RB OF BAGABAG (N.V.)INC | 48,525,941.84 | 62,093,278.59 | 78.15% | ||
| DUMAGUETE CITY DEV BANK INC | 19,299,237.59 | 24,445,167.10 | 78.95% | ||
| RB OF SAN PASCUAL(OBANDO BULACAN)INC | 21,256,011.54 | 26,833,620.67 | 79.21% | ||
| RIZAL MICROBANK INC - A THRIFT BANK OF RCBC | 68,054,923.05 | 85,543,473.49 | 79.56% | ||
| COOPERATIVE BANK OF NUEVA VIZCAYA | 27,785,450.80 | 34,752,304.89 | 79.95% | ||
| SOUTH BANK (A RURAL BANK) INC | 32,813,045.36 | 41,023,950.51 | 79.99% | ||
| PHIL BANK OF COMMUNICATIONS | 2,188,709,127.49 | 2,732,579,273.18 | 80.10% | ||
| MINDANAO CONSOLIDATED COOPERATIVE BANK | 148,353,206.17 | 183,515,155.78 | 80.84% | ||
| NATIONAL TEACHERS & EMP. COOP BANK | 20,103,328.18 | 24,832,147.00 | 80.96% | ||
| COOP BANK OF PALAWAN | 103,374,530.16 | 127,466,386.58 | 81.10% | ||
| RB OF POZORRUBIO INC | 16,919,283.54 | 20,850,766.46 | 81.14% | ||
| COOPERATIVE BANK OF BOHOL | 41,254,828.17 | 50,686,881.52 | 81.39% | ||
| FIRST TAGUM RURAL BANK INC | 63,673,458.35 | 78,177,476.71 | 81.45% | ||
| TANAY RB INC | 194,907,784.81 | 237,048,294.30 | 82.22% | ||
| FARMERS SAVINGS & LOAN BANK INC | 27,933,377.97 | 33,694,382.12 | 82.90% | ||
| IMUS RURAL BANK INC | 10,262,966.38 | 12,284,080.80 | 83.55% | ||
| RB OF MAGDALENA (LAGUNA) INC | 32,999,868.45 | 38,408,603.94 | 85.92% | ||
| MT CARMEL RURAL BANK INC | 193,613,312.07 | 223,553,910.96 | 86.61% | ||
| LEGAZPI SAVINGS BANK INC | 278,762,129.74 | 321,330,025.83 | 86.75% | ||
| PHIL STAR DEVELOPMENT BANK INC | 10,259,216.38 | 11,760,293.28 | 87.24% | ||
| BANCO MEXICO INC (A RURAL BANK) | 22,240,987.56 | 25,342,069.57 | 87.76% | ||
| RB OF LEBAK (SULTAN KUDARAT) INC | 40,433,999.42 | 45,926,165.87 | 88.04% | ||
| DEVELOPMENT BANK OF THE PHIL | 7,789,647,334.24 | 8,813,211,119.11 | 88.39% | ||
| GUAGUA SAVERS BANK(A RB) INC | 10,460,371.42 | 11,828,608.09 | 88.43% | ||
| RB OF MIDSAYAP INC | 10,975,443.18 | 12,396,230.94 | 88.54% | ||
| CANTILAN BANK INC (A RURAL BANK) | 258,079,589.08 | 290,965,828.64 | 88.70% | ||
| BANK ONE SAVINGS CORPORATION | 44,360,195.39 | 49,920,011.00 | 88.86% | ||
| HIGHLAND RURAL BANK INC | 19,849,937.35 | 22,328,121.70 | 88.90% | ||
| CONSOLIDATED COOPERATIVE BANK | 324,009,513.58 | 362,574,808.38 | 89.36% | ||
| INTER-ASIA DEVELOPMENT BANK | 8,123,012.62 | 9,066,391.00 | 89.59% | ||
| RB OF DIGOS INC | 30,817,528.59 | 34,382,833.31 | 89.63% | ||
| ASPAC RURAL BANK INC | 96,626,966.56 | 107,529,911.70 | 89.86% | ||
| DUNGGANON BANK (A MICROFINANCE RURAL BANK) INC | 34,956,430.56 | 38,855,230.12 | 89.97% | ||
| ROBINSONS BANK CORPORATION | 824,968,256.24 | 916,440,426.90 | 90.02% | ||
| RURAL BANK OF PLACER (SURIGAO DEL NORTE) INC | 34,559,220.20 | 38,323,141.22 | 90.18% | ||
| SUN SAVINGS BANK INC | 23,027,190.27 | 25,526,547.20 | 90.21% | ||
| RB OF CENTRAL PANGASINAN (BAYAMBANG) INC | 37,833,357.14 | 41,479,450.45 | 91.21% | ||
| ILOCOS CONSOLIDATED COOPERATIVE BANK | 80,997,914.59 | 86,967,202.69 | 93.14% | ||
| LAGUNA PRESTIGE BANKING CORPORATION (A RURAL BANK) | 13,556,709.28 | 14,530,347.10 | 93.30% | ||
| YUANTA SAVINGS BANK PHILIPPINES INC | 98,900,351.89 | 105,736,501.82 | 93.53% | ||
| BPI DIRECT BANKO INC A SAVINGS BANK | 786,026,671.72 | 834,934,345.27 | 94.14% | ||
| PBCOM RURAL BANK INC | 446,636,076.01 | 472,819,084.63 | 94.46% | ||
| RB OF GATTARAN (CAGAYAN) INC | 20,599,097.71 | 21,700,567.30 | 94.92% | ||
| RB OF PARACALE(CAMARINES NORTE) INC | 27,123,022.29 | 28,551,779.06 | 95.00% | ||
| COMMTY RB OF CATMON (CEBU) INC | 39,010,269.60 | 40,969,098.27 | 95.22% | ||
| LAND BANK OF THE PHILIPPINES | 17,472,306,606.63 | 18,162,941,930.24 | 96.20% | ||
| CARD MRI RIZAL BANK INC A MICROFINANCE-ORIENTED RURAL BANK | 78,953,123.18 | 81,947,472.98 | 96.35% | ||
| SECURED BANK INC (A RB) | 20,729,485.55 | 21,373,202.85 | 96.99% | ||
| CARD BANK INC (A MF RB) | 254,919,448.92 | 257,496,463.74 | 99.00% | ||
| RB OF MARAGONDON INC | 29,599,525.10 | 29,781,695.66 | 99.39% | ||
| NORTHPOINT DEV'T BANK INC | 89,815,729.09 | 90,028,876.10 | 99.76% | ||
| MARAYO BANK INC (A RURAL BANK) | 157,520,672.76 | 157,728,615.51 | 99.87% | ||
| ZAMBALES RURAL BANK INC | 37,501,192.03 | 37,484,829.02 | 100.04% | ||
| RB OF MABALACAT INC | 41,668,514.01 | 41,610,302.04 | 100.14% | ||
| D' ASIAN HILLS BANK INC (A RURAL BANK) | 162,642,653.42 | 161,198,181.96 | 100.90% | ||
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 80,875,847.83 | 79,974,104.03 | 101.13% | ||
| BHF RURAL BANK INC | 27,708,377.08 | 27,142,266.86 | 102.09% | ||
| BANCO LAGUNA INC (A RURAL BANK SINCE 1965) | 24,952,440.99 | 24,222,775.84 | 103.01% | ||
| ONE NETWORK BANK INC (A RURAL BANK OF BDO) | 2,083,959,124.17 | 2,005,939,592.46 | 103.89% | ||
| RB OF PANDI (BULACAN) INC | 17,567,682.83 | 16,884,968.74 | 104.04% | ||
| RB OF PILAR (SORSOGON) INC | 19,622,807.43 | 18,592,938.34 | 105.54% | ||
| RB OF ANGELES INC | 204,984,345.99 | 189,998,493.41 | 107.89% | ||
| MANOR BANK - A RURAL BANK CORP | 6,438,338.05 | 5,939,421.09 | 108.40% | ||
| CORDILLERA SAVINGS BANK INC | 14,379,069.48 | 13,263,531.79 | 108.41% | ||
| RB OF BAMBANG (NUEVA VIZCAYA) INC | 48,308,715.43 | 43,646,905.02 | 110.68% | ||
| RB OF ANTIPOLO INC | 16,540,383.77 | 14,806,951.66 | 111.71% | ||
| UNIVERSITY SAVINGS BANK INC | 33,806,861.19 | 29,985,639.73 | 112.74% | ||
| FILIDIAN RURAL BANK OF ANTIPOLO INC | 9,096,354.91 | 7,913,785.55 | 114.94% | ||
| MAYBANK PHILIPPINES INCORPORATED | 2,617,186,642.06 | 2,258,451,509.45 | 115.88% | ||
| RB OF SAN MATEO(ISABELA) INC | 30,513,086.36 | 26,118,664.65 | 116.82% | ||
| COOP BANK OF QUEZON PROVINCE | 29,729,386.91 | 24,777,541.93 | 119.99% | ||
| KATIPUNAN BANK INC "A RURAL BANK" | 83,638,947.40 | 69,484,029.19 | 120.37% | ||
| COMMTY RB OF DAPITAN CITY INC | 50,350,694.86 | 41,334,083.72 | 121.81% | ||
| BDO UNIBANK INC | 25,414,757,917.31 | 20,833,908,639.61 | 121.99% | ||
| STA MARIA RURAL BANK INC | 5,408,692.40 | 4,392,965.58 | 123.12% | ||
| RB OF TANGUB CITY (MIS OCC) INC | 37,455,873.88 | 30,246,201.48 | 123.84% | ||
| SECURITY BANK CORP | 5,649,169,460.11 | 4,406,636,420.47 | 128.20% | ||
| GATEWAY RURAL BANK INC | 28,178,813.44 | 21,556,865.18 | 130.72% | ||
| RURAL BANK OF SAN ANTONIO INC | 52,665,645.94 | 39,265,071.65 | 134.13% | ||
| CTBC BANK (PHILIPPINES) CORP | 995,324,497.30 | 716,644,755.17 | 138.89% | ||
| RB OF RIZAL (ZAMBOANGA DEL NORTE) INC | 24,587,960.73 | 17,696,712.28 | 138.94% | ||
| RB OF DULAG (LEYTE) INC | 13,215,360.44 | 9,460,842.75 | 139.68% | ||
| COOP BANK OF COTABATO | 131,769,100.42 | 92,929,765.00 | 141.79% | ||
| RNG COASTAL BANK INC(A RURAL BANK) | 17,629,252.45 | 12,401,963.34 | 142.15% | ||
| BANK OF THE PHIL ISLANDS | 17,948,203,212.62 | 12,541,858,927.78 | 143.11% | ||
| RB OF SAN AGUSTIN (ISABELA) INC | 22,911,301.36 | 15,977,258.53 | 143.40% | ||
| BANK OF COMMERCE | 2,228,997,008.82 | 1,554,238,219.13 | 143.41% | ||
| LIFEBANK- A RURAL BANK | 19,747,668.50 | 13,534,222.62 | 145.91% | ||
| CARD SME BANK INC A THRIFT BANK | 245,982,270.63 | 165,716,786.77 | 148.44% | ||
| RB OF GUINOBATAN INC | 30,398,168.68 | 19,799,020.54 | 153.53% | ||
| METROPOLITAN BANK & TCO | 18,636,221,344.87 | 12,048,716,824.88 | 154.67% | ||
| RB OF ROSARIO (LA UNION) INC | 6,103,952.39 | 3,910,768.63 | 156.08% | ||
| PHIL NATIONAL BANK | 15,494,390,259.54 | 9,809,450,471.82 | 157.95% | ||
| RBT BANK INC A RURAL BANK | 13,608,976.72 | 8,216,043.87 | 165.64% | ||
| RB OF MONTALBAN INC | 5,160,255.06 | 3,043,187.99 | 169.57% | ||
| INNOVATIVE BANK INC (A RURAL BANK) | 4,105,914.14 | 2,397,127.10 | 171.28% | ||
| CENTURY SAVINGS BANK CORPORATION | 19,537,665.62 | 11,290,928.72 | 173.04% | ||
| CHINA BANKING CORP | 5,540,563,529.44 | 3,200,023,055.18 | 173.14% | ||
| CENTURY RURAL BANK INC | 14,068,211.52 | 7,856,502.66 | 179.06% | ||
| RB OF BARILI (CEBU) INC | 42,553,873.15 | 23,263,335.20 | 182.92% | ||
| RB OF JAEN INC | 9,503,484.27 | 5,130,195.06 | 185.25% | ||
| BANKWAYS INC (A RURAL BANK) | 91,835,788.90 | 48,312,370.15 | 190.09% | ||
| RB OF GLORIA (OR MIN) INC | 3,527,808.33 | 1,850,822.35 | 190.61% | ||
| HSBC SAVINGS BANK(PHILS) INC | 54,792,689.82 | 24,927,202.65 | 219.81% | ||
| CITIBANK, N.A. | 3,264,950,653.15 | 1,291,627,864.19 | 252.78% | ||
| RB OF BROOKE'S POINT (PALAWAN) INC | 4,404,030.46 | 1,713,082.81 | 257.08% | ||
| METRO CEBU PUBLIC SAVINGS BANK | 23,384,067.58 | 8,869,721.90 | 263.64% | ||
| RB OF STA IGNACIA INC | 8,194,212.85 | 2,374,651.67 | 345.07% | ||
| HONGKONG & SHANGHAI BANKING CORP | 1,811,484,973.00 | 486,529,984.57 | 372.33% | ||
| KEB HANA BANK - MANILA BRANCH | 88,242,824.15 | 23,050,205.96 | 382.83% | ||
| PHIL TRUST COMPANY | 3,954,737,831.65 | 875,734,764.84 | 451.59% | ||
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 20,137,074.55 | 3,119,682.52 | 645.48% | ||
| BANGKOK BANK PUBLIC CO LTD | 540,411,720.00 | 18,892,016.89 | 2860.53% | ||
| MEGA INT'L COMM'L BANK CO LTD | 229,024,017.81 | 4,453,000.00 | 5143.14% | ||
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 6,354,621.47 | 107,342.00 | 5919.98% | ||
| ING BANK N.V. | 13,866,120.79 | 104.48 | 13271555.12% | ||
| AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED | 39,041,785.78 | 0.00 | NA | ||
| BANK OF AMERICA N.A. | 8,400,899.05 | 0.00 | NA | ||
| BANK OF CHINA LIMITED-MANILA BRANCH | 193,289,274.82 | 0.00 | NA | ||
| BDO PRIVATE BANK, INC. | 5,792,084.53 | 0.00 | NA | ||
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | 38,777,318.61 | 0.00 | NA | ||
| CHANG HWA COMMERCIAL BANK LTD - MANILA BRANCH | 12,812,500.00 | 0.00 | NA | ||
| CIMB BANK PHILIPPINES INC | 234,440.71 | 0.00 | NA | ||
| DEUTSCHE BANK AG | 221,552,191.68 | 0.00 | NA | ||
| FIRST COMMERCIAL BANK LTD MANILA BRANCH | 9,368,838.18 | 0.00 | NA | ||
| HUA NAN COMMERCIAL BANK LTD MANILA BRANCH | 6,396,419.86 | 0.00 | NA | ||
| INDUSTRIAL AND COMMERCIAL BANK OF CHINA LIMITED - MANILA BRA | 3,451,706.00 | 0.00 | NA | ||
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | 41,751,818.38 | 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 | 514,791,487.34 | 0.00 | NA | ||
| MUFG BANK, LTD. | 388,070,289.46 | 0.00 | NA | ||
| SHINHAN BANK - MANILA BRANCH | 42,466,409.48 | 0.00 | NA | ||
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | 16,701,846.45 | 0.00 | NA | ||
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | 19,323,128.92 | 0.00 | NA | ||
| Grand Total | 194,813,360,017.92 | 206,594,500,021.52 | 94.30% | ||
Source: www.bsp.gov.ph
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