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Tuesday, June 9, 2020

An 80% Minimum NPL Coverage Ratio will Result in a Severe Undercapitalization of Some Philippine Banks - December 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
December 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
OVERSEAS FILIPINO BANK INC A SAVINGS BANK OF LANDBANK 1,884,430,955.10 17,245,998.24 -1,867,184,956.86 966,016,337.90 -193.29%
PEOPLES BANK OF CARAGA INC (A RURAL BANK) 452,569,014.48 300,719,837.78 -151,849,176.70 145,694,390.86 -104.22%
UCPB SAVINGS BANK 2,642,139,413.63 903,791,828.45 -1,738,347,585.18 2,768,052,689.44 -62.80%
ENTERPRISE BANK INC (A THRIFT BANK) 319,049,742.89 189,912,010.92 -129,137,731.97 258,826,391.42 -49.89%
LUZON DEVELOPMENT BANK 597,475,420.31 267,591,960.21 -329,883,460.10 671,154,175.97 -49.15%
BANCO MEXICO INC (A RURAL BANK) 43,610,070.72 21,637,499.44 -21,972,571.28 44,998,026.78 -48.83%
PNB SAVINGS BANK 5,857,590,960.80 2,301,604,524.43 -3,555,986,436.37 10,465,869,737.08 -33.98%
EQUICOM SAVINGS BANK INC 673,077,792.47 386,821,343.20 -286,256,449.27 948,392,123.72 -30.18%
BENGUET CENTER BANK INC A RB 34,435,988.32 16,801,471.92 -17,634,516.40 59,140,307.94 -29.82%
SAVIOUR RURAL BANK INC 45,605,101.36 20,738,792.82 -24,866,308.54 93,993,204.52 -26.46%
ENTREPRENEUR RB INC 45,515,531.71 28,293,797.96 -17,221,733.75 66,049,154.04 -26.07%
GM BANK OF LUZON INC (A RURAL BANK) 244,675,668.42 135,990,963.96 -108,684,704.46 430,360,616.41 -25.25%
MARITIME SAVINGS BANK CORPORATION 19,504,168.17 6,948,645.24 -12,555,522.93 53,448,691.69 -23.49%
NEW RB OF SAN LEONARDO (N.E.) INC 86,476,221.73 34,283,331.02 -52,192,890.71 233,991,170.44 -22.31%
STERLING BANK OF ASIA INC (A SAVINGS BANK) 1,406,123,334.06 763,169,857.41 -642,953,476.65 2,959,417,864.91 -21.73%
FIRST IMPERIAL BUSINESS BANK INC (A RURAL BANK) 92,482,084.51 40,835,264.37 -51,646,820.14 248,235,092.87 -20.81%
WEALTH DEVELOPMENT BANK CORPORATION 469,384,029.07 162,085,067.38 -307,298,961.69 1,522,109,741.84 -20.19%
COMMON WEALTH RURAL BANK INC 53,669,571.04 21,476,123.43 -32,193,447.61 165,572,939.49 -19.44%
RB OF SAN PASCUAL(OBANDO BULACAN)INC 34,581,079.97 23,281,011.54 -11,300,068.43 62,429,790.22 -18.10%
PRODUCERS SAVINGS BANK CORPORATION 575,588,593.58 166,908,744.26 -408,679,849.32 2,344,598,245.18 -17.43%
RB OF CARDONA (RIZAL) INC 79,405,822.00 61,374,496.43 -18,031,325.57 103,786,731.56 -17.37%
CITYSTATE SAVINGS BANK INC 172,949,246.38 65,458,187.19 -107,491,059.19 657,384,048.28 -16.35%
GOLDEN RURAL BANK OF THE PHILIPPINES INC 21,113,840.48 10,795,648.08 -10,318,192.40 66,555,686.83 -15.50%
PANGASINAN BANK (A RB) INC 27,156,988.29 16,800,869.61 -10,356,118.68 68,692,516.42 -15.08%
RB OF MIAGAO (ILOILO) INC 35,596,630.90 21,547,211.02 -14,049,419.88 93,409,611.60 -15.04%
PAMPANGA DEVELOPMENT BANK 77,467,876.98 34,729,813.69 -42,738,063.29 296,544,191.01 -14.41%
RANG-AY BANK INC (A RURAL BANK) 126,229,609.98 51,829,011.54 -74,400,598.44 561,633,938.30 -13.25%
FIRST AGRO-INDUSTRIAL RB INC(FAIRBANK) 41,037,447.48 29,568,123.96 -11,469,323.52 89,184,075.16 -12.86%
METRO SOUTH COOP BANK 309,013,298.52 202,860,938.56 -106,152,359.96 827,226,977.23 -12.83%
RB OF BAGABAG (N.V.)INC 68,027,702.44 48,888,497.33 -19,139,205.11 156,166,001.88 -12.26%
RB OF PILAR (BATAAN) INC 32,351,511.48 23,116,721.70 -9,234,789.78 76,005,327.11 -12.15%
OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE RURAL BANK) 24,270,893.03 12,536,203.42 -11,734,689.61 97,081,692.24 -12.09%
UNITED COCONUT PLANTERS BANK 5,272,848,320.86 3,040,737,381.97 -2,232,110,938.89 19,101,364,241.64 -11.69%
COOP BANK OF CAGAYAN 64,207,577.14 56,612,064.15 -7,595,512.99 65,366,754.74 -11.62%
RB OF ALABEL (SARANGANI) INC 25,288,786.18 12,872,389.00 -12,416,397.18 108,379,878.77 -11.46%
EAST WEST RURAL BANK INC 727,542,603.86 244,752,957.58 -482,789,646.28 4,354,193,653.60 -11.09%
CHINA BANK SAVINGS INC 3,206,541,356.93 2,097,080,197.07 -1,109,461,159.86 10,430,353,785.53 -10.64%
RB OF MANGALDAN INC(BANGKO RURAL NG MANGALDAN INK) 24,155,201.68 16,655,661.87 -7,499,539.81 72,478,476.59 -10.35%
MARAYO BANK INC (A RURAL BANK) 229,004,501.01 158,517,368.65 -70,487,132.36 698,981,433.51 -10.08%
MVSM BANK (A RURAL BANK SINCE 1953) INC 39,000,112.02 19,690,927.20 -19,309,184.82 196,354,351.91 -9.83%
BPI FAMILY SAVINGS BANK INC 8,869,291,800.54 5,640,351,830.54 -3,228,939,970.00 33,448,563,574.52 -9.65%
BALANGA RURAL BANK, INC. 19,733,938.01 13,192,806.85 -6,541,131.16 68,524,402.81 -9.55%
RB OF PORAC (PAMPANGA) INC 87,018,933.38 58,105,422.36 -28,913,511.02 311,125,380.37 -9.29%
SUMMIT BANK (RB OF TUBLAY INC) 148,602,331.66 118,994,559.11 -29,607,772.55 329,790,023.44 -8.98%
CITY SAVINGS BANK INC 2,715,611,637.90 1,357,307,432.62 -1,358,304,205.28 15,331,714,179.99 -8.86%
RB OF BAY INC 15,201,365.01 9,205,914.10 -5,995,450.91 68,014,113.13 -8.82%
DUMAGUETE CITY DEV BANK INC 63,716,385.68 34,299,237.59 -29,417,148.09 344,253,467.45 -8.55%
RB OF DUMANGAS INC 26,844,716.32 18,413,824.42 -8,430,891.90 99,153,187.34 -8.50%
RIZAL MICROBANK INC - A THRIFT BANK OF RCBC 121,152,029.10 72,764,373.51 -48,387,655.59 590,769,284.00 -8.19%
SUGBUANON RB INC 27,718,045.75 15,479,914.53 -12,238,131.22 149,862,634.83 -8.17%
BATAAN DEVELOPMENT BANK 32,652,062.29 24,006,569.11 -8,645,493.18 108,339,024.38 -7.98%
CONSOLIDATED COOPERATIVE BANK 176,238,316.03 156,831,621.75 -19,406,694.28 247,950,444.67 -7.83%
PACIFIC ACE SAVINGS BANK INC 17,199,224.80 10,943,659.81 -6,255,564.99 88,047,624.56 -7.10%
RB OF ATIMONAN INC 13,457,192.49 8,411,960.98 -5,045,231.51 71,530,452.80 -7.05%
LIPA BANK INC (A RB) 21,488,595.03 16,735,496.61 -4,753,098.42 72,857,593.57 -6.52%
AGRIBUSINESS RURAL BANK INC 511,285,493.63 484,510,294.95 -26,775,198.68 417,950,358.27 -6.41%
1ST VALLEY BANK INC A DEVELOPMENT BANK 345,992,244.79 194,522,173.84 -151,470,070.95 2,373,509,790.23 -6.38%
BANGKO KABAYAN INC (A PRIVATE DEVELOPMENT BANK) 52,571,809.53 15,250,478.68 -37,321,330.85 600,175,957.42 -6.22%
MALAYAN BANK SAVINGS AND MORT BANK INC 222,940,532.58 144,206,463.72 -78,734,068.86 1,371,750,584.33 -5.74%
GUAGUA RURAL BANK INC 254,912,567.90 194,863,748.67 -60,048,819.23 1,083,757,178.96 -5.54%
HIYAS BANKING CORPORATION 28,490,724.58 18,862,790.69 -9,627,933.89 188,423,530.23 -5.11%
PHIL SAVINGS BANK 4,733,676,234.71 3,012,941,440.47 -1,720,734,794.24 33,710,104,652.11 -5.10%
RB OF CAUAYAN INC 38,954,645.02 25,803,992.55 -13,150,652.47 265,407,377.20 -4.95%
BANGKO MABUHAY (A RURAL BANK) INC 67,450,383.96 51,682,535.34 -15,767,848.62 320,881,383.82 -4.91%
RB OF GENERAL TRIAS INC 26,512,511.14 20,125,741.96 -6,386,769.18 130,057,329.75 -4.91%
COUNTRY BUILDERS BANK INC (A RURAL BANK) 52,795,509.29 37,104,262.31 -15,691,246.98 353,317,263.97 -4.44%
RB OF CENTRAL PANGASINAN (BAYAMBANG) INC 45,301,334.09 37,772,356.14 -7,528,977.95 184,987,116.74 -4.07%
MALLIG PLAINS RURAL BANK (ISABELA) INC 20,809,923.02 15,684,039.32 -5,125,883.70 127,146,508.30 -4.03%
BANK OF MAKATI (A SAVINGS BANK) INC 2,216,973,658.30 1,776,607,489.66 -440,366,168.64 11,531,187,208.96 -3.82%
EAST WEST BANKING CORP 8,337,299,746.39 6,527,250,476.00 -1,810,049,270.39 48,837,776,485.63 -3.71%
CAMALIG BANK INC (A RURAL BANK) 38,644,285.52 27,929,665.40 -10,714,620.12 300,952,733.57 -3.56%
LIBERTY BANK (A RURAL BANK) INC 30,066,741.61 28,446,467.55 -1,620,274.06 46,087,624.59 -3.52%
RIZAL COMM'L BANKING CORP 12,867,874,369.02 10,027,847,028.83 -2,840,027,340.19 83,350,140,257.86 -3.41%
FILIDIAN RURAL BANK OF ANTIPOLO INC 14,393,931.27 9,543,278.24 -4,850,653.03 149,180,732.83 -3.25%
SECURED BANK INC (A RB) 24,988,035.41 20,729,485.55 -4,258,549.86 131,694,490.67 -3.23%
RB OF SAN JOSE (CAMARINES SUR) INC 11,449,106.50 8,675,441.70 -2,773,664.80 91,842,433.31 -3.02%
MANOR BANK - A RURAL BANK CORP 10,877,992.82 7,471,340.91 -3,406,651.91 115,272,365.55 -2.96%
PHILIPPINE VETERANS BANK 2,504,837,959.34 2,408,669,984.80 -96,167,974.54 3,675,837,245.85 -2.62%
LIFEBANK- A RURAL BANK 29,919,728.06 21,777,060.75 -8,142,667.31 321,427,302.08 -2.53%
ALLBANK (A THRIFT BANK) INC 82,515,295.11 55,724,257.00 -26,791,038.11 1,095,946,362.75 -2.44%
FIRST CONSOLIDATED BANK INC (A PDB) 730,406,487.70 605,714,806.91 -124,691,680.79 5,294,311,852.73 -2.36%
CEBUANA LHUILLIER RB INC 18,819,036.08 14,616,509.93 -4,202,526.15 178,876,547.98 -2.35%
RB OF MARIA AURORA (AURORA) INC 41,649,728.82 36,710,056.15 -4,939,672.67 222,512,340.07 -2.22%
RB OF MIDSAYAP INC 13,073,745.20 10,975,443.18 -2,098,302.02 100,687,154.96 -2.08%
COOPERATIVE BANK OF NUEVA VIZCAYA 29,390,077.75 27,183,841.50 -2,206,236.25 107,314,230.01 -2.06%
GATEWAY RURAL BANK INC 30,257,534.49 28,178,813.44 -2,078,721.05 102,319,467.43 -2.03%
COOP BANK OF QUEZON PROVINCE 32,143,626.82 30,008,786.90 -2,134,839.92 106,730,021.34 -2.00%
RB OF SOLANO (NUEVA VIZCAYA) INC 31,319,031.22 27,100,572.39 -4,218,458.83 229,884,625.20 -1.84%
BHF RURAL BANK INC 43,612,826.58 37,552,531.10 -6,060,295.48 338,681,759.13 -1.79%
CENTURY SAVINGS BANK CORPORATION 35,617,862.02 19,537,665.62 -16,080,196.40 996,909,055.90 -1.61%
UNION BANK OF THE PHILS 6,795,881,478.46 5,444,336,488.78 -1,351,544,989.68 95,224,193,597.46 -1.42%
RB OF ANTIPOLO INC 14,948,306.55 13,560,592.13 -1,387,714.42 107,402,904.46 -1.29%
CARD BANK INC (A MF RB) 255,029,326.53 199,162,976.02 -55,866,350.51 4,421,009,180.24 -1.26%
BANGKO MONTANOSA INC (A RURAL BANK) 11,788,248.99 10,386,119.96 -1,402,129.03 115,382,823.74 -1.22%
RB OF ITOGON (BENGUET) INC 25,945,455.67 24,631,936.27 -1,313,519.40 114,117,949.08 -1.15%
QUEZON COCONUT BANK INC (A THRIFT BANK) 2,108,276.82 1,493,658.58 -614,618.24 59,469,854.30 -1.03%
FIRST ISABELA COOP BANK (FICOBANK) 112,213,265.58 102,669,069.77 -9,544,195.81 1,077,843,302.86 -0.89%
RB OF POLA (ORIENTAL MINDORO) INC 40,387,468.02 37,909,171.12 -2,478,296.90 300,410,339.52 -0.82%
ASIA UNITED BANK CORPORATION 1,940,053,287.56 1,683,841,374.29 -256,211,913.27 33,459,935,209.02 -0.77%
RB OF STA ROSA DE LIMA (PANIQUI TARLAC) INC 17,626,815.36 16,585,208.22 -1,041,607.14 163,552,259.60 -0.64%
MALARAYAT RB INC 30,958,281.51 30,263,795.25 -694,486.26 182,099,432.77 -0.38%
MACTAN RURAL BANK (LAPU-LAPU CITY) INC 40,020,296.74 39,460,576.76 -559,719.98 189,605,592.80 -0.30%
LIFE SAVINGS BANK INC 5,646,930.98 5,424,695.67 -222,235.31 77,965,121.17 -0.29%
QUEZON CAPITAL RB INC 46,087,709.02 45,147,096.62 -940,612.40 374,001,393.92 -0.25%
COOPERATIVE BANK OF BOHOL 43,149,968.94 42,992,221.84 -157,747.10 78,461,756.52 -0.20%
CARD MRI RIZAL BANK INC A MICROFINANCE-ORIENTED RURAL BANK 88,531,415.07 87,311,153.05 -1,220,262.02 1,140,584,083.45 -0.11%
ROBINSONS BANK CORPORATION 872,592,297.97 860,127,953.91 -12,464,344.06 16,914,516,274.88 -0.07%
ARDCIBANK INC A RURAL BANK 0.00 0.00 0.00
#DIV/0!
CITIZEN'S RB (CABIAO) INC 0.00 0.00 0.00
#DIV/0!
COOP BANK OF BENGUET (CBB) 0.00 0.00 0.00
#DIV/0!
CSFIRST BANK INC - A RURAL BANK 0.00 0.00 0.00
#DIV/0!
LAGAWE HIGHLANDS RB INC 0.00 0.00 0.00
#DIV/0!
METRO CEBU PUBLIC SAVINGS BANK 0.00 0.00 0.00
#DIV/0!
MT CARMEL RURAL BANK INC 0.00 0.00 0.00
#DIV/0!
RB OF PANDI (BULACAN) INC 0.00 0.00 0.00
#DIV/0!
SOUTH BANK (A RURAL BANK) INC 0.00 0.00 0.00
#DIV/0!
STA MARIA RURAL BANK INC 0.00 0.00 0.00
#DIV/0!
IMUS RURAL BANK INC 9,854,691.20 9,908,742.28 54,051.08 215,790,020.27 0.03%
NATIONAL TEACHERS & EMP. COOP BANK 22,455,847.63 22,488,938.78 33,091.15 123,400,797.13 0.03%
PHIL STAR DEVELOPMENT BANK INC 9,408,234.62 9,509,297.34 101,062.72 211,428,013.46 0.05%
BDO PRIVATE BANK, INC. 0.00 5,573,162.68 5,573,162.68 5,811,236,036.51 0.10%
STANDARD CHARTERED BANK 2,051,113,734.82 2,059,627,485.47 8,513,750.65 7,181,849,057.26 0.12%
PHILIPPINE BUSINESS BANK INC A SAVINGS BANK 1,593,405,809.66 1,609,326,555.97 15,920,746.31 12,961,538,875.04 0.12%
MAKILING DEVELOPMENT BANK CORPORATION 25,546,917.35 26,029,637.71 482,720.36 340,780,529.73 0.14%
NORTH PACIFIC BANKING CORPORATION (A RB OF STA MARIA ISABELA 8,869,872.67 8,989,483.06 119,610.39 69,718,337.70 0.17%
ING BANK N.V. 0.00 15,173,594.23 15,173,594.23 6,531,563,724.23 0.23%
SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH 0.00 31,517,155.09 31,517,155.09 13,108,568,400.67 0.24%
BANK OF AMERICA N.A. 0.00 12,769,434.77 12,769,434.77 4,946,687,956.68 0.26%
RB OF BAYOMBONG INC 11,868,984.99 12,508,125.30 639,140.31 171,487,501.35 0.37%
YUANTA SAVINGS BANK PHILIPPINES INC 1,303,190.29 9,722,660.95 8,419,470.66 2,222,589,791.86 0.38%
CORDILLERA SAVINGS BANK INC 13,763,917.80 14,379,069.48 615,151.68 141,039,238.89 0.44%
JP MORGAN CHASE BANK NATIONAL ASSN. 0.00 31,000,000.00 31,000,000.00 6,649,507,699.79 0.47%
INNOVATIVE BANK INC (A RURAL BANK) 3,141,004.88 4,905,914.14 1,764,909.26 367,970,382.62 0.48%
CATHAY UNITED BANK CO LTD - MANILA BRANCH 0.00 29,095,250.00 29,095,250.00 5,296,275,726.10 0.55%
ISLA BANK(A THRIFT BANK) INC 0.00 4,290,580.33 4,290,580.33 775,934,943.92 0.55%
CHANG HWA COMMERCIAL BANK LTD - MANILA BRANCH 0.00 13,506,523.20 13,506,523.20 2,237,749,069.33 0.60%
AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED 0.00 28,545,273.92 28,545,273.92 4,393,385,952.22 0.65%
HUA NAN COMMERCIAL BANK LTD MANILA BRANCH 0.00 13,708,217.10 13,708,217.10 2,062,952,322.58 0.66%
FIRST COMMERCIAL BANK LTD MANILA BRANCH 0.00 13,856,292.42 13,856,292.42 2,052,530,657.56 0.68%
INDUSTRIAL AND COMMERCIAL BANK OF CHINA LIMITED - MANILA BRA 0.00 27,507,763.85 27,507,763.85 3,763,791,994.20 0.73%
RNG COASTAL BANK INC(A RURAL BANK) 16,399,195.03 17,629,252.45 1,230,057.42 163,694,574.10 0.75%
LAND BANK OF THE PHILIPPINES 15,012,977,119.92 16,280,969,219.14 1,267,992,099.22 148,997,824,741.86 0.85%
CIMB BANK PHILIPPINES INC 6,350,694.38 28,851,318.28 22,500,623.90 2,530,706,250.41 0.89%
DEVELOPMENT BANK OF THE PHIL 7,854,285,729.62 8,436,561,625.77 582,275,896.15 59,717,158,296.94 0.98%
SHINHAN BANK - MANILA BRANCH 0.00 45,384,842.02 45,384,842.02 4,317,039,599.22 1.05%
UNITED OVERSEAS BANK LIMITED MANILA BRANCH 0.00 27,047,328.67 27,047,328.67 2,429,456,933.53 1.11%
INDUSTRIAL BANK OF KOREA MANILA BRANCH 0.00 47,224,654.73 47,224,654.73 4,154,224,138.10 1.14%
BANK ONE SAVINGS CORPORATION 36,394,368.80 43,836,572.86 7,442,204.06 649,242,913.35 1.15%
KEB HANA BANK - MANILA BRANCH 18,440,162.83 91,581,362.01 73,141,199.18 6,081,035,664.34 1.20%
DUNGGANON BANK (A MICROFINANCE RURAL BANK) INC 33,861,756.50 35,940,820.44 2,079,063.94 163,461,790.89 1.27%
RB OF GLORIA (OR MIN) INC 1,460,924.70 2,783,082.52 1,322,157.82 103,373,280.28 1.28%
PHIL BANK OF COMMUNICATIONS 1,859,887,670.86 2,058,668,405.38 198,780,734.52 13,478,729,406.26 1.47%
RB OF GATTARAN (CAGAYAN) INC 20,443,649.54 22,092,283.25 1,648,633.71 99,651,834.92 1.65%
LEMERY SAVINGS & LOAN BANK, INC. 1,244,833.82 2,851,181.82 1,606,348.00 85,742,444.41 1.87%
HSBC SAVINGS BANK(PHILS) INC 20,676,158.45 58,371,389.62 37,695,231.17 1,872,161,001.08 2.01%
SUN SAVINGS BANK INC 19,406,357.18 26,430,425.73 7,024,068.55 344,879,572.83 2.04%
RB OF PILAR (SORSOGON) INC 16,505,790.66 18,246,474.10 1,740,683.44 80,100,158.50 2.17%
ASPAC RURAL BANK INC 84,841,389.75 90,745,163.86 5,903,774.11 266,199,223.73 2.22%
VILLAGE BANK INC (A RURAL BANK) 36,046,488.07 37,762,487.79 1,715,999.72 76,086,912.28 2.26%
RB OF BROOKE'S POINT (PALAWAN) INC 328,880.00 2,835,553.33 2,506,673.33 111,078,732.24 2.26%
SECURITY BANK CORP 4,271,240,857.69 7,010,813,784.35 2,739,572,926.66 118,223,087,488.51 2.32%
BANK OF CHINA LIMITED-MANILA BRANCH 0.00 241,672,851.91 241,672,851.91 10,386,354,116.68 2.33%
BDO UNIBANK INC 17,820,406,526.06 27,120,673,038.09 9,300,266,512.03 370,430,012,268.00 2.51%
CTBC BANK (PHILIPPINES) CORP 712,883,066.93 946,679,881.98 233,796,815.05 9,200,627,354.73 2.54%
BOF INC (A RURAL BANK) 68,546,766.90 85,131,791.57 16,585,024.67 634,190,734.62 2.62%
CANTILAN BANK INC (A RURAL BANK) 241,008,179.84 251,261,201.33 10,253,021.49 390,230,025.57 2.63%
QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK 240,642.26 18,602,512.13 18,361,869.87 691,584,246.30 2.66%
COOP BANK OF PALAWAN 99,850,341.50 105,894,584.92 6,044,243.42 220,369,491.53 2.74%
RB OF MAGDALENA (LAGUNA) INC 22,969,045.69 25,828,176.82 2,859,131.13 102,368,835.57 2.79%
UNIVERSITY SAVINGS BANK INC 25,987,979.29 38,294,965.05 12,306,985.76 429,827,605.19 2.86%
CARD SME BANK INC A THRIFT BANK 154,648,536.14 199,069,591.87 44,421,055.73 1,507,050,970.20 2.95%
MAYBANK PHILIPPINES INCORPORATED 1,558,481,031.86 1,967,519,004.85 409,037,972.99 13,828,573,659.29 2.96%
PHIL NATIONAL BANK 9,619,328,929.46 14,299,057,453.65 4,679,728,524.19 144,945,934,897.55 3.23%
BANK OF THE PHIL ISLANDS 9,778,373,680.17 18,486,248,401.08 8,707,874,720.91 266,978,232,184.22 3.26%
HIGHLAND RURAL BANK INC 17,309,859.66 22,658,133.75 5,348,274.09 163,380,475.02 3.27%
RB OF DULAG (LEYTE) INC 9,691,088.81 13,215,360.44 3,524,271.63 106,190,308.23 3.32%
PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) 62,199,329.34 79,848,215.26 17,648,885.92 530,108,290.62 3.33%
ALIAGA FARMERS RURAL BANK INC 91,190,620.46 94,405,134.59 3,214,514.13 95,992,670.27 3.35%
NORTHPOINT DEV'T BANK INC 90,559,794.02 105,066,906.56 14,507,112.54 418,974,377.51 3.46%
CHINA BANKING CORP 3,916,381,166.13 7,101,856,436.47 3,185,475,270.34 89,999,042,309.88 3.54%
INTER-ASIA DEVELOPMENT BANK 9,919,382.68 13,461,485.83 3,542,103.15 96,332,224.56 3.68%
MUFG BANK, LTD. 0.00 387,850,811.58 387,850,811.58 10,256,480,987.53 3.78%
RBT BANK INC A RURAL BANK 6,585,841.01 15,137,537.60 8,551,696.59 225,738,066.64 3.79%
MINDANAO CONSOLIDATED COOPERATIVE BANK 126,408,763.32 138,113,906.91 11,705,143.59 306,206,524.10 3.82%
METROPOLITAN BANK & TCO 8,167,487,672.18 20,309,195,360.55 12,141,707,688.37 310,971,194,351.89 3.90%
KATIPUNAN BANK INC "A RURAL BANK" 48,462,047.48 67,671,466.04 19,209,418.56 487,922,308.11 3.94%
FIRST TAGUM RURAL BANK INC 20,280,546.92 33,383,045.94 13,102,499.02 331,638,854.02 3.95%
LAGUNA PRESTIGE BANKING CORPORATION (A RURAL BANK) 4,410,601.65 13,556,709.28 9,146,107.63 230,449,609.36 3.97%
LEGAZPI SAVINGS BANK INC 242,280,107.86 266,215,120.75 23,935,012.89 601,787,744.38 3.98%
RB OF SAN MATEO(ISABELA) INC 23,096,811.98 28,498,014.97 5,401,202.99 129,036,555.48 4.19%
BPI DIRECT BANKO INC A SAVINGS BANK 813,748,070.38 926,938,152.26 113,190,081.88 2,601,981,667.77 4.35%
ZAMBALES RURAL BANK INC 29,096,936.14 37,099,659.31 8,002,723.17 183,963,805.34 4.35%
RB OF ROSARIO (LA UNION) INC 3,517,579.49 6,448,952.39 2,931,372.90 66,991,039.95 4.38%
RB OF SAN NARCISO INC 16,014,428.03 17,950,307.19 1,935,879.16 43,717,055.45 4.43%
RB OF STA IGNACIA INC 1,849,052.37 7,872,592.17 6,023,539.80 134,604,092.68 4.48%
RB OF MONTALBAN INC 2,256,385.43 5,160,255.06 2,903,869.63 63,366,711.44 4.58%
RB OF DIGOS INC 14,984,784.24 25,832,924.21 10,848,139.97 213,901,121.09 5.07%
RB OF GUINOBATAN INC 20,480,029.81 26,473,258.57 5,993,228.76 116,978,395.82 5.12%
BANGKO CARRASCAL INC (A RB) 4,740,051.06 9,711,821.23 4,971,770.17 93,811,480.76 5.30%
RB OF MABALACAT INC 33,782,044.88 37,263,511.94 3,481,467.06 64,913,414.58 5.36%
MEGA INT'L COMM'L BANK CO LTD 69,073,111.27 266,451,745.04 197,378,633.77 3,642,644,327.59 5.42%
BANCO LAGUNA INC (A RURAL BANK SINCE 1965) 16,937,570.44 23,753,068.05 6,815,497.61 123,788,974.27 5.51%
GUAGUA SAVERS BANK(A RB) INC 5,672,733.81 10,460,371.42 4,787,637.61 82,571,437.59 5.80%
MIZUHO BANK LTD - MANILA BRANCH 0.00 559,972,006.72 559,972,006.72 9,203,347,675.03 6.08%
DEUTSCHE BANK AG 0.00 188,535,738.52 188,535,738.52 3,054,824,429.98 6.17%
BANK OF COMMERCE 1,288,072,152.37 2,290,369,459.59 1,002,297,307.22 16,042,733,366.94 6.25%
BAYBANK INC (A RURAL BANK) 11,233,961.26 16,689,919.02 5,455,957.76 84,229,985.35 6.48%
HONGKONG & SHANGHAI BANKING CORP 429,391,780.04 1,640,620,583.76 1,211,228,803.72 17,326,756,271.71 6.99%
COMMTY RB OF CATMON (CEBU) INC 29,973,852.08 37,923,789.82 7,949,937.74 109,191,679.15 7.28%
RB OF LEBAK (SULTAN KUDARAT) INC 27,090,737.50 34,150,987.38 7,060,249.88 96,067,720.00 7.35%
RB OF SAN LUIS (PAMPANGA) INC 4,030,709.54 12,049,937.14 8,019,227.60 107,747,914.17 7.44%
RB OF BARILI (CEBU) INC 15,462,352.49 45,095,937.39 29,633,584.90 397,483,965.05 7.46%
FARMERS SAVINGS & LOAN BANK INC 27,193,705.52 37,520,936.58 10,327,231.06 135,902,989.04 7.60%
RB OF JAEN INC 4,895,160.38 9,703,484.27 4,808,323.89 62,498,778.30 7.69%
BANGKOK BANK PUBLIC CO LTD 79,406,833.38 574,571,166.00 495,164,332.62 6,401,961,929.20 7.73%
BDO NETWORK BANK INC 1,523,761,278.70 1,994,879,251.02 471,117,972.32 6,041,878,965.24 7.80%
AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS 85,873.60 7,298,377.08 7,212,503.48 89,794,850.61 8.03%
RB OF PARACALE(CAMARINES NORTE) INC 24,617,347.98 31,669,038.40 7,051,690.42 87,577,614.88 8.05%
RB OF RIZAL (ZAMBOANGA DEL NORTE) INC 13,950,430.41 27,286,111.17 13,335,680.76 156,379,771.50 8.53%
COOP BANK OF COTABATO 80,303,047.02 140,401,281.42 60,098,234.40 659,359,370.78 9.11%
RB OF BAMBANG (NUEVA VIZCAYA) INC 38,600,016.48 48,308,715.43 9,708,698.95 103,193,270.30 9.41%
RB OF SAN AGUSTIN (ISABELA) INC 18,325,764.34 22,911,301.36 4,585,537.02 47,060,335.37 9.74%
RB OF POZORRUBIO INC 13,735,115.90 16,920,864.04 3,185,748.14 30,914,639.18 10.30%
CITIBANK, N.A. 1,353,554,226.62 3,824,697,930.00 2,471,143,703.38 23,685,115,888.64 10.43%
RURAL BANK OF PLACER (SURIGAO DEL NORTE) INC 24,086,298.78 36,562,294.79 12,475,996.01 118,955,713.10 10.49%
PLANBANK "RB OF CANLUBANG PLANTERS INC" 46,093,602.53 56,051,192.21 9,957,589.68 89,417,551.03 11.14%
RB OF MARAGONDON INC 23,219,959.74 29,599,525.10 6,379,565.36 55,767,104.23 11.44%
CENTURY RURAL BANK INC 7,265,162.88 15,673,724.93 8,408,562.05 73,496,028.52 11.44%
CAVITE UNITED RURAL BANK CORP 299,967.35 47,469,263.20 47,169,295.85 405,068,666.96 11.64%
ILOCOS CONSOLIDATED COOPERATIVE BANK 58,395,028.28 84,552,576.05 26,157,547.77 223,920,000.34 11.68%
PHIL TRUST COMPANY 763,181,017.10 4,002,635,483.72 3,239,454,466.62 25,593,358,648.40 12.66%
RURAL BANK OF SAN ANTONIO INC 28,024,457.84 51,221,501.93 23,197,044.09 138,819,775.87 16.71%
RB OF TANGUB CITY (MIS OCC) INC 20,752,698.67 37,805,873.88 17,053,175.21 99,832,996.90 17.08%
PROGRESSIVE BANK INC (PROGRESSIVE A RURAL BANK INC) 91,246,730.71 104,958,288.60 13,711,557.89 79,340,523.21 17.28%
RB OF ANGELES INC 123,138,075.14 215,857,231.80 92,719,156.66 505,477,721.70 18.34%
COMMTY RB OF DAPITAN CITY INC 26,301,558.42 47,902,321.50 21,600,763.08 114,457,401.85 18.87%
PBCOM RURAL BANK INC 348,845,051.40 438,714,503.45 89,869,452.05 443,689,454.82 20.26%
BANKWAYS INC (A RURAL BANK) 35,377,207.87 91,835,788.90 56,458,581.03 187,916,785.05 30.04%
Grand Total 176,070,490,726.98 203,348,959,271.25 27,278,468,544.27 2,266,178,899,200.67 1.20%

 Source: www.bsp.gov.ph

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