On the face of it, no.
At 1.66% as of September 30, 2019, NPLs as a percentage of Total Loan Portfolios are at historic lows.
Although the NPL Coverage Ratio is near historic highs at 108.01% as of September 30, 2019, it has dropped considerably from its peak of 149.53% as of December 31, 2017.
However, NPLs can go much higher than current levels. Over the past thirty-seven 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-seven 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 3.94% for the past thirty-seven years.
As of September 30, 2019, LLR/TLP stands at 1.79%, 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 | |||||
| September 30, 2019 | |||||
| Bank | Loan Loss Provisions | Gross NPLs | NPL Coverage Ratio | ||
| NEW RB OF SAN LEONARDO (N.E.) INC | 31,917,625.02 | 124,612,583.15 | 25.61% | ||
| WEALTH DEVELOPMENT BANK CORPORATION | 162,085,067.38 | 621,166,549.52 | 26.09% | ||
| EAST WEST RURAL BANK INC | 250,016,301.58 | 880,546,500.44 | 28.39% | ||
| PNB SAVINGS BANK | 1,963,354,159.45 | 6,868,368,029.42 | 28.59% | ||
| PRODUCERS SAVINGS BANK CORPORATION | 205,430,902.15 | 710,868,746.51 | 28.90% | ||
| AMA RURAL BANK OF MANDALUYONG INC | 154,372,964.62 | 531,562,421.68 | 29.04% | ||
| GOLDEN RURAL BANK OF THE PHILIPPINES INC | 10,408,148.33 | 34,637,059.66 | 30.05% | ||
| UCPB SAVINGS BANK | 995,238,992.06 | 3,112,090,224.97 | 31.98% | ||
| RANG-AY BANK INC (A RURAL BANK) | 51,305,360.40 | 158,384,421.34 | 32.39% | ||
| MARITIME SAVINGS BANK CORPORATION | 6,948,645.24 | 20,488,382.50 | 33.92% | ||
| SAVIOUR RURAL BANK INC | 20,738,792.82 | 59,956,733.31 | 34.59% | ||
| LAGAWE HIGHLANDS RB INC | 18,821,403.47 | 53,823,586.65 | 34.97% | ||
| CITIZEN'S RB (CABIAO) INC | 11,023,132.85 | 30,860,759.28 | 35.72% | ||
| SUGBUANON RB INC | 15,852,069.89 | 44,178,908.40 | 35.88% | ||
| PAMPANGA DEVELOPMENT BANK | 37,261,952.91 | 102,281,886.96 | 36.43% | ||
| MVSM BANK (A RURAL BANK SINCE 1953) INC | 19,076,088.24 | 51,992,897.05 | 36.69% | ||
| AGRIBUSINESS RURAL BANK INC | 202,042,249.77 | 539,575,163.62 | 37.44% | ||
| COMMON WEALTH RURAL BANK INC | 21,594,471.30 | 57,415,799.07 | 37.61% | ||
| IMUS RURAL BANK INC | 12,294,313.16 | 32,349,824.05 | 38.00% | ||
| FIRST IMPERIAL BUSINESS BANK INC (A RURAL BANK) | 45,918,540.87 | 119,780,269.66 | 38.34% | ||
| BANCO MEXICO INC (A RURAL BANK) | 21,637,499.44 | 56,410,202.91 | 38.36% | ||
| BENGUET CENTER BANK INC A RB | 16,791,233.53 | 43,450,852.94 | 38.64% | ||
| METRO SOUTH COOP BANK | 196,860,938.56 | 506,511,304.26 | 38.87% | ||
| BANGKO KABAYAN INC (A PRIVATE DEVELOPMENT BANK) | 19,616,222.90 | 49,026,349.84 | 40.01% | ||
| CITYSTATE SAVINGS BANK INC | 51,001,659.99 | 125,954,322.18 | 40.49% | ||
| UNITED COCONUT PLANTERS BANK | 2,627,812,219.48 | 6,476,153,942.20 | 40.58% | ||
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 742,709,068.32 | 1,722,734,572.52 | 43.11% | ||
| CITY SAVINGS BANK INC | 1,600,040,577.24 | 3,694,301,426.70 | 43.31% | ||
| EQUICOM SAVINGS BANK INC | 361,921,343.20 | 829,931,250.51 | 43.61% | ||
| FIRST AGRO-INDUSTRIAL RB INC(FAIRBANK) | 19,644,079.52 | 44,997,403.55 | 43.66% | ||
| ENTREPRENEUR RB INC | 27,482,616.23 | 62,927,861.65 | 43.67% | ||
| ENTERPRISE BANK INC (A THRIFT BANK) | 189,912,010.92 | 426,064,075.39 | 44.57% | ||
| PANGASINAN BANK (A RB) INC | 17,265,458.42 | 38,056,676.89 | 45.37% | ||
| BALANGA RURAL BANK, INC. | 13,889,522.83 | 30,313,650.20 | 45.82% | ||
| RB OF PORAC (PAMPANGA) INC | 55,686,554.47 | 121,176,683.84 | 45.95% | ||
| CHINA BANK SAVINGS INC | 1,993,303,487.69 | 4,229,950,092.06 | 47.12% | ||
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 261,357,324.90 | 552,651,289.80 | 47.29% | ||
| GM BANK OF LUZON INC (A RURAL BANK) | 139,416,054.30 | 290,750,682.02 | 47.95% | ||
| RB OF ALABEL (SARANGANI) INC | 12,872,389.00 | 26,331,730.78 | 48.89% | ||
| CENTURY SAVINGS BANK CORPORATION | 19,537,665.62 | 39,602,529.40 | 49.33% | ||
| HIYAS BANKING CORPORATION | 20,649,896.25 | 41,714,885.62 | 49.50% | ||
| BANGKO MABUHAY (A RURAL BANK) INC | 41,812,059.76 | 83,920,948.88 | 49.82% | ||
| BPI FAMILY SAVINGS BANK INC | 5,841,220,680.17 | 11,546,179,067.74 | 50.59% | ||
| RB OF CAUAYAN INC | 27,832,960.93 | 53,129,586.62 | 52.39% | ||
| PEOPLES BANK OF CARAGA INC (A RURAL BANK) | 306,682,396.53 | 583,370,393.45 | 52.57% | ||
| OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE RURAL BANK) | 19,034,260.19 | 36,173,647.71 | 52.62% | ||
| ALLBANK (A THRIFT BANK) INC | 58,996,511.42 | 109,940,160.95 | 53.66% | ||
| FIRST ISABELA COOP BANK (FICOBANK) | 102,451,982.44 | 184,886,307.66 | 55.41% | ||
| CEBUANA LHUILLIER RB INC | 14,986,797.78 | 27,021,591.81 | 55.46% | ||
| RB OF MANGALDAN INC(BANGKO RURAL NG MANGALDAN INK) | 16,655,661.87 | 29,440,486.26 | 56.57% | ||
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 1,518,586.09 | 2,682,273.55 | 56.62% | ||
| PHIL SAVINGS BANK | 3,445,641,721.71 | 6,072,658,830.18 | 56.74% | ||
| SUMMIT BANK (RB OF TUBLAY INC) | 98,994,559.11 | 174,277,735.02 | 56.80% | ||
| RB OF MARIA AURORA (AURORA) INC | 32,810,056.15 | 57,722,988.34 | 56.84% | ||
| MARAYO BANK INC (A RURAL BANK) | 158,140,672.76 | 275,275,794.18 | 57.45% | ||
| RB OF GENERAL TRIAS INC | 21,629,873.01 | 37,531,745.53 | 57.63% | ||
| MALAYAN BANK SAVINGS AND MORT BANK INC | 147,555,346.14 | 255,505,223.87 | 57.75% | ||
| CAMALIG BANK INC (A RURAL BANK) | 27,696,154.76 | 47,484,131.05 | 58.33% | ||
| MAKILING DEVELOPMENT BANK CORPORATION | 26,709,506.81 | 45,180,944.28 | 59.12% | ||
| RB OF SAN PASCUAL(OBANDO BULACAN)INC | 22,556,011.54 | 38,064,571.89 | 59.26% | ||
| GUAGUA RURAL BANK INC | 162,111,731.51 | 271,547,625.39 | 59.70% | ||
| RB OF CARDONA (RIZAL) INC | 51,498,765.33 | 85,306,293.42 | 60.37% | ||
| RIZAL COMM'L BANKING CORP | 8,850,351,871.24 | 14,569,020,645.11 | 60.75% | ||
| EAST WEST BANKING CORP | 6,462,523,056.95 | 10,558,894,602.57 | 61.20% | ||
| RB OF DUMANGAS INC | 18,217,468.84 | 29,298,653.36 | 62.18% | ||
| RB OF BAY INC | 9,127,112.70 | 14,509,534.27 | 62.90% | ||
| COOP BANK OF QUEZON PROVINCE | 29,877,936.91 | 47,255,329.60 | 63.23% | ||
| RB OF PILAR (BATAAN) INC | 23,026,284.70 | 35,914,739.14 | 64.11% | ||
| BANK OF MAKATI (A SAVINGS BANK) INC | 1,789,062,338.47 | 2,786,266,743.12 | 64.21% | ||
| CAVITE UNITED RURAL BANK CORP | 52,714,604.21 | 81,914,743.34 | 64.35% | ||
| COOP BANK OF CAGAYAN | 55,211,697.27 | 84,729,881.10 | 65.16% | ||
| BATAAN DEVELOPMENT BANK | 23,702,689.11 | 36,311,462.59 | 65.28% | ||
| RB OF SOLANO (NUEVA VIZCAYA) INC | 23,174,595.47 | 35,085,078.18 | 66.05% | ||
| RIZAL MICROBANK INC - A THRIFT BANK OF RCBC | 68,054,923.05 | 101,362,354.41 | 67.14% | ||
| UNION BANK OF THE PHILS | 6,711,396,801.59 | 9,949,863,597.35 | 67.45% | ||
| RB OF ITOGON (BENGUET) INC | 25,355,780.31 | 37,357,970.79 | 67.87% | ||
| RB OF SAN LUIS (PAMPANGA) INC | 12,049,937.14 | 17,749,636.92 | 67.89% | ||
| RB OF CENTRAL PANGASINAN (BAYAMBANG) INC | 37,772,356.14 | 55,140,320.43 | 68.50% | ||
| RB OF STA ROSA DE LIMA (PANIQUI TARLAC) INC | 15,618,285.55 | 22,796,396.46 | 68.51% | ||
| VILLAGE BANK INC (A RURAL BANK) | 37,762,487.79 | 55,093,130.01 | 68.54% | ||
| FIRST CONSOLIDATED BANK INC (A PDB) | 620,594,116.77 | 901,090,979.32 | 68.87% | ||
| LIBERTY BANK (A RURAL BANK) INC | 27,474,666.92 | 39,439,090.88 | 69.66% | ||
| QUEZON CAPITAL RB INC | 45,481,263.51 | 64,501,899.69 | 70.51% | ||
| LIFE SAVINGS BANK INC | 5,424,695.67 | 7,605,238.21 | 71.33% | ||
| COOPERATIVE BANK OF BOHOL | 41,021,310.74 | 57,350,903.68 | 71.53% | ||
| COUNTRY BUILDERS BANK INC (A RURAL BANK) | 37,999,732.66 | 52,614,214.13 | 72.22% | ||
| SECURED BANK INC (A RB) | 20,729,485.55 | 28,561,947.37 | 72.58% | ||
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 1,327,555,479.95 | 1,828,902,850.93 | 72.59% | ||
| MALLIG PLAINS RURAL BANK (ISABELA) INC | 15,406,462.68 | 21,217,778.73 | 72.61% | ||
| RB OF MIDSAYAP INC | 10,975,443.18 | 14,964,884.54 | 73.34% | ||
| GUAGUA SAVERS BANK(A RB) INC | 10,460,371.42 | 13,875,642.11 | 75.39% | ||
| NORTH PACIFIC BANKING CORPORATION (A RB OF STA MARIA ISABELA | 8,946,920.90 | 11,823,931.06 | 75.67% | ||
| MINDANAO CONSOLIDATED COOPERATIVE BANK | 150,428,206.17 | 198,758,316.14 | 75.68% | ||
| RNG COASTAL BANK INC(A RURAL BANK) | 17,629,252.45 | 22,707,090.04 | 77.64% | ||
| RB OF POLA (ORIENTAL MINDORO) INC | 37,568,705.12 | 48,334,134.26 | 77.73% | ||
| ASIA UNITED BANK CORPORATION | 2,103,787,848.41 | 2,660,653,130.26 | 79.07% | ||
| PACIFIC ACE SAVINGS BANK INC | 8,644,024.63 | 10,886,921.00 | 79.40% | ||
| MALARAYAT RB INC | 27,494,403.66 | 34,581,156.73 | 79.51% | ||
| ROBINSONS BANK CORPORATION | 838,542,947.86 | 1,051,631,997.57 | 79.74% | ||
| COOPERATIVE BANK OF NUEVA VIZCAYA | 27,204,572.87 | 33,888,048.15 | 80.28% | ||
| PHIL STAR DEVELOPMENT BANK INC | 9,487,123.21 | 11,760,293.28 | 80.67% | ||
| STANDARD CHARTERED BANK | 2,096,586,785.07 | 2,594,590,527.61 | 80.81% | ||
| ALIAGA FARMERS RURAL BANK INC | 93,548,225.68 | 115,395,277.41 | 81.07% | ||
| ZAMBALES RURAL BANK INC | 37,294,050.64 | 45,875,849.83 | 81.29% | ||
| RB OF BAGABAG (N.V.)INC | 49,130,136.59 | 60,324,712.81 | 81.44% | ||
| MACTAN RURAL BANK (LAPU-LAPU CITY) INC | 39,494,597.24 | 47,692,769.20 | 82.81% | ||
| PHIL BANK OF COMMUNICATIONS | 2,230,406,554.82 | 2,680,449,242.85 | 83.21% | ||
| DEVELOPMENT BANK OF THE PHIL | 8,363,920,957.37 | 10,014,512,765.00 | 83.52% | ||
| NATIONAL TEACHERS & EMP. COOP BANK | 21,659,390.59 | 25,819,577.32 | 83.89% | ||
| CORDILLERA SAVINGS BANK INC | 14,379,069.48 | 17,131,626.99 | 83.93% | ||
| PLANBANK "RB OF CANLUBANG PLANTERS INC" | 56,051,192.21 | 66,233,056.46 | 84.63% | ||
| COOP BANK OF PALAWAN | 107,318,189.36 | 126,754,286.29 | 84.67% | ||
| NORTHPOINT DEV'T BANK INC | 94,707,491.10 | 111,397,401.35 | 85.02% | ||
| RB OF GATTARAN (CAGAYAN) INC | 20,869,695.37 | 24,140,745.17 | 86.45% | ||
| COOP BANK OF BENGUET (CBB) | 60,980,215.65 | 70,519,318.34 | 86.47% | ||
| CONSOLIDATED COOPERATIVE BANK | 300,947,548.66 | 347,744,329.21 | 86.54% | ||
| RB OF POZORRUBIO INC | 16,920,864.04 | 19,413,789.09 | 87.16% | ||
| MANOR BANK - A RURAL BANK CORP | 6,455,638.05 | 7,405,054.38 | 87.18% | ||
| ASPAC RURAL BANK INC | 93,058,202.96 | 106,431,661.59 | 87.43% | ||
| CANTILAN BANK INC (A RURAL BANK) | 270,363,315.01 | 308,173,872.31 | 87.73% | ||
| DUNGGANON BANK (A MICROFINANCE RURAL BANK) INC | 37,504,532.34 | 42,576,791.49 | 88.09% | ||
| LEGAZPI SAVINGS BANK INC | 278,938,230.80 | 316,415,337.46 | 88.16% | ||
| PBCOM RURAL BANK INC | 446,152,781.92 | 502,042,842.55 | 88.87% | ||
| CARD BANK INC (A MF RB) | 260,034,333.52 | 292,213,736.19 | 88.99% | ||
| BPI DIRECT BANKO INC A SAVINGS BANK | 888,969,778.64 | 996,712,991.52 | 89.19% | ||
| LAND BANK OF THE PHILIPPINES | 19,440,318,404.55 | 21,644,504,683.59 | 89.82% | ||
| SOUTH BANK (A RURAL BANK) INC | 35,585,425.82 | 39,379,794.21 | 90.36% | ||
| CARD MRI RIZAL BANK INC A MICROFINANCE-ORIENTED RURAL BANK | 87,311,153.05 | 96,273,749.66 | 90.69% | ||
| BHF RURAL BANK INC | 28,252,098.99 | 30,904,935.44 | 91.42% | ||
| MT CARMEL RURAL BANK INC | 196,309,072.35 | 214,476,076.62 | 91.53% | ||
| LEMERY SAVINGS & LOAN BANK, INC. | 2,758,438.16 | 2,991,081.29 | 92.22% | ||
| RURAL BANK OF PLACER (SURIGAO DEL NORTE) INC | 36,707,016.93 | 39,433,853.88 | 93.09% | ||
| BOF INC (A RURAL BANK) | 83,460,757.53 | 88,617,691.01 | 94.18% | ||
| COMMTY RB OF CATMON (CEBU) INC | 34,423,789.82 | 36,382,150.34 | 94.62% | ||
| BANK ONE SAVINGS CORPORATION | 43,836,572.86 | 45,504,400.99 | 96.33% | ||
| RB OF SAN MATEO(ISABELA) INC | 29,661,946.53 | 30,713,321.58 | 96.58% | ||
| FIRST TAGUM RURAL BANK INC | 54,249,101.76 | 56,140,602.94 | 96.63% | ||
| PHILIPPINE VETERANS BANK | 2,634,207,462.65 | 2,710,470,193.60 | 97.19% | ||
| RB OF BAYOMBONG INC | 13,602,381.71 | 13,851,855.02 | 98.20% | ||
| RB OF MARAGONDON INC | 29,599,525.10 | 29,849,732.67 | 99.16% | ||
| RB OF MAGDALENA (LAGUNA) INC | 25,864,056.67 | 25,984,098.71 | 99.54% | ||
| HIGHLAND RURAL BANK INC | 22,158,133.75 | 22,003,499.15 | 100.70% | ||
| RB OF LEBAK (SULTAN KUDARAT) INC | 36,726,386.63 | 36,411,211.78 | 100.87% | ||
| RB OF MABALACAT INC | 39,707,851.02 | 39,083,297.13 | 101.60% | ||
| BANCO LAGUNA INC (A RURAL BANK SINCE 1965) | 23,984,733.70 | 23,220,212.21 | 103.29% | ||
| BDO NETWORK BANK INC | 2,061,235,185.82 | 1,982,020,952.80 | 104.00% | ||
| RB OF ANTIPOLO INC | 15,534,488.81 | 14,883,933.24 | 104.37% | ||
| RB OF BAMBANG (NUEVA VIZCAYA) INC | 48,308,715.43 | 46,072,510.77 | 104.85% | ||
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 79,275,228.25 | 75,265,089.11 | 105.33% | ||
| RB OF GUINOBATAN INC | 30,665,841.46 | 28,110,544.06 | 109.09% | ||
| SECURITY BANK CORP | 6,926,619,822.03 | 6,334,702,451.14 | 109.34% | ||
| ARDCIBANK INC A RURAL BANK | 10,589,010.07 | 9,608,224.12 | 110.21% | ||
| INTER-ASIA DEVELOPMENT BANK | 9,418,908.24 | 8,529,843.62 | 110.42% | ||
| RB OF DULAG (LEYTE) INC | 13,215,360.44 | 11,924,657.95 | 110.82% | ||
| RB OF SAN NARCISO INC | 19,467,852.43 | 17,485,679.30 | 111.34% | ||
| UNIVERSITY SAVINGS BANK INC | 35,959,681.88 | 32,181,878.37 | 111.74% | ||
| BAYBANK INC (A RURAL BANK) | 16,689,919.02 | 14,750,326.84 | 113.15% | ||
| MAYBANK PHILIPPINES INCORPORATED | 2,658,643,891.12 | 2,349,573,797.26 | 113.15% | ||
| CSFIRST BANK INC - A RURAL BANK | 5,483,009.48 | 4,748,486.17 | 115.47% | ||
| DUMAGUETE CITY DEV BANK INC | 34,299,237.59 | 29,382,938.66 | 116.73% | ||
| RB OF TANGUB CITY (MIS OCC) INC | 37,705,873.88 | 32,096,082.38 | 117.48% | ||
| ILOCOS CONSOLIDATED COOPERATIVE BANK | 83,489,810.83 | 70,457,952.93 | 118.50% | ||
| RB OF SAN AGUSTIN (ISABELA) INC | 22,911,301.36 | 19,252,532.40 | 119.00% | ||
| KATIPUNAN BANK INC "A RURAL BANK" | 93,518,134.26 | 78,326,162.05 | 119.40% | ||
| RB OF PILAR (SORSOGON) INC | 18,344,611.22 | 14,842,600.36 | 123.59% | ||
| FARMERS SAVINGS & LOAN BANK INC | 28,066,728.19 | 22,242,246.69 | 126.19% | ||
| BDO UNIBANK INC | 26,590,977,562.64 | 21,034,014,672.06 | 126.42% | ||
| CTBC BANK (PHILIPPINES) CORP | 971,231,146.23 | 767,709,442.88 | 126.51% | ||
| RB OF DIGOS INC | 27,110,926.71 | 21,053,349.15 | 128.77% | ||
| GATEWAY RURAL BANK INC | 28,178,813.44 | 21,171,042.90 | 133.10% | ||
| COMMTY RB OF DAPITAN CITY INC | 50,350,694.86 | 37,596,325.04 | 133.92% | ||
| PHIL NATIONAL BANK | 13,959,404,574.60 | 10,411,321,285.01 | 134.08% | ||
| RB OF ROSARIO (LA UNION) INC | 6,278,952.39 | 4,621,062.49 | 135.88% | ||
| CARD SME BANK INC A THRIFT BANK | 239,617,180.93 | 175,771,484.37 | 136.32% | ||
| SUN SAVINGS BANK INC | 25,577,227.76 | 18,727,627.65 | 136.57% | ||
| COOP BANK OF COTABATO | 138,584,840.64 | 98,405,629.43 | 140.83% | ||
| BANK OF COMMERCE | 2,223,599,793.44 | 1,563,843,470.39 | 142.19% | ||
| CHINA BANKING CORP | 5,081,170,153.82 | 3,509,285,531.16 | 144.79% | ||
| BANK OF THE PHIL ISLANDS | 17,892,284,310.90 | 12,129,686,802.76 | 147.51% | ||
| RB OF PANDI (BULACAN) INC | 17,567,682.83 | 11,862,272.16 | 148.10% | ||
| LIFEBANK- A RURAL BANK | 21,477,060.75 | 14,156,539.23 | 151.71% | ||
| FILIDIAN RURAL BANK OF ANTIPOLO INC | 9,094,575.81 | 5,817,888.46 | 156.32% | ||
| RB OF GLORIA (OR MIN) INC | 3,527,808.33 | 2,208,826.63 | 159.71% | ||
| BANGKO MONTANOSA INC (A RURAL BANK) | 12,223,461.60 | 7,364,097.64 | 165.99% | ||
| METROPOLITAN BANK & TCO | 21,049,536,717.01 | 12,540,823,512.97 | 167.85% | ||
| RB OF JAEN INC | 9,503,484.27 | 5,592,890.62 | 169.92% | ||
| RB OF MONTALBAN INC | 5,160,255.06 | 2,999,296.73 | 172.05% | ||
| RBT BANK INC A RURAL BANK | 14,858,976.72 | 8,520,538.16 | 174.39% | ||
| CENTURY RURAL BANK INC | 14,175,524.27 | 8,128,286.10 | 174.40% | ||
| RURAL BANK OF SAN ANTONIO INC | 53,410,280.94 | 28,931,899.50 | 184.61% | ||
| STA MARIA RURAL BANK INC | 4,815,192.40 | 2,599,433.38 | 185.24% | ||
| INNOVATIVE BANK INC (A RURAL BANK) | 4,905,914.14 | 2,639,406.46 | 185.87% | ||
| BANKWAYS INC (A RURAL BANK) | 91,835,788.90 | 47,560,353.42 | 193.09% | ||
| RB OF BARILI (CEBU) INC | 42,797,097.58 | 20,784,876.54 | 205.90% | ||
| HSBC SAVINGS BANK(PHILS) INC | 58,593,047.61 | 25,894,473.58 | 226.28% | ||
| RB OF STA IGNACIA INC | 8,370,343.43 | 3,631,382.19 | 230.50% | ||
| CITIBANK, N.A. | 3,557,434,056.59 | 1,382,367,272.21 | 257.34% | ||
| METRO CEBU PUBLIC SAVINGS BANK | 23,068,986.01 | 8,869,721.90 | 260.09% | ||
| LAGUNA PRESTIGE BANKING CORPORATION (A RURAL BANK) | 13,556,709.28 | 5,212,223.10 | 260.09% | ||
| RB OF RIZAL (ZAMBOANGA DEL NORTE) INC | 24,610,950.73 | 8,847,084.34 | 278.18% | ||
| RB OF BROOKE'S POINT (PALAWAN) INC | 4,404,030.46 | 1,508,190.02 | 292.01% | ||
| MEGA INT'L COMM'L BANK CO LTD | 270,561,209.23 | 88,313,119.32 | 306.37% | ||
| HONGKONG & SHANGHAI BANKING CORP | 1,571,664,548.91 | 483,627,125.08 | 324.97% | ||
| PHIL TRUST COMPANY | 3,968,440,144.99 | 1,040,436,086.21 | 381.42% | ||
| KEB HANA BANK - MANILA BRANCH | 94,837,886.21 | 23,050,208.32 | 411.44% | ||
| BANGKOK BANK PUBLIC CO LTD | 556,923,098.59 | 101,570,641.22 | 548.31% | ||
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 20,412,054.55 | 1,693,682.52 | 1205.19% | ||
| YUANTA SAVINGS BANK PHILIPPINES INC | 12,127,743.72 | 757,889.01 | 1600.20% | ||
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 5,948,089.28 | 107,342.00 | 5541.25% | ||
| AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED | 28,250,281.99 | 0.00 | NA | ||
| BANK OF AMERICA N.A. | 14,607,974.90 | 0.00 | NA | ||
| BANK OF CHINA LIMITED-MANILA BRANCH | 210,152,302.17 | 0.00 | NA | ||
| BDO PRIVATE BANK, INC. | 7,039,563.71 | 0.00 | NA | ||
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | 35,826,450.00 | 0.00 | NA | ||
| CHANG HWA COMMERCIAL BANK LTD - MANILA BRANCH | 17,035,607.91 | 0.00 | NA | ||
| CIMB BANK PHILIPPINES INC | 2,673,490.73 | 0.00 | NA | ||
| DEUTSCHE BANK AG | 167,503,641.38 | 0.00 | NA | ||
| FIRST COMMERCIAL BANK LTD MANILA BRANCH | 13,999,225.59 | 0.00 | NA | ||
| HUA NAN COMMERCIAL BANK LTD MANILA BRANCH | 14,000,970.08 | 0.00 | NA | ||
| INDUSTRIAL AND COMMERCIAL BANK OF CHINA LIMITED - MANILA BRA | 13,428,820.00 | 0.00 | NA | ||
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | 46,307,724.68 | 0.00 | NA | ||
| ING BANK N.V. | 13,618,594.23 | 0.00 | NA | ||
| ISLA BANK(A THRIFT BANK) INC | 4,290,580.33 | 0.00 | NA | ||
| JP MORGAN CHASE BANK NATIONAL ASSN. | 26,000,000.00 | 0.00 | NA | ||
| MIZUHO BANK LTD - MANILA BRANCH | 559,963,681.69 | 0.00 | NA | ||
| MUFG BANK, LTD. | 387,768,887.70 | 0.00 | NA | ||
| SHINHAN BANK - MANILA BRANCH | 44,398,525.55 | 0.00 | NA | ||
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | 25,172,736.45 | 0.00 | NA | ||
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | 19,025,132.94 | 0.00 | NA | ||
| Grand Total | 202,723,570,159.16 | 220,256,675,325.88 | 92.04% | ||
Source: www.bsp.gov.ph
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