The Top Distressed Philippine Banks as of December 31, 2016

Editor's Note: The Philippine Deposit Insurance Corporation (PDIC) advised consumers to wisely choose the banks where they will deposit their money. The trouble is, most depositors don't and can't read financial statements before they open a bank account. The regulators, whose job is to safeguard the public's money, have not done a good job recently.  In the past ten years, two commercial banks, twenty-one thrift banks, and a staggering 187 rural banks have collapsed, often quite suddenly and without warning:  Regulators do have a problem bank list that they do not divulge to the public, for fear of sparking another bank run. So who can the public turn to, to advise them where to put their money? No one, except the banks themselves who will always promote their self-interests. This analysis is an attempt to fill in that knowledge gap, by screening out the weaker banks that seem ready to implode at any given moment.

Editor's Note: The ratio of Distressed Assets to Total Capital Cushion is a variant of the famous Texas Ratio, which was widely used by US financial regulators to predict bank failure during the US Savings and Loan Crisis in the 1980s and early 1990s. The basic premise is that a bank with Distressed Assets greater than its Capital Cushion is in danger of insolvency because a significant drop in the value of  the Distressed Assets will eat into a significant amount of the bank's capital.  A bank that has a Distressed Ratio greater than 100% is flagged as borderline insolvent.  For a more detailed discussion of this ratio, please visit a previous blog post: The Texas Ratio of Select Philippine Banks

This is a list of the top distressed Universal and Commercial (U/KB) as well as Thrift Banks in the Philippines as of December 31, 2016.  It updates a previous blog post: "The Top Distressed Philippine Banks as of September 30, 2016".

To see where your bank stands relative to these banks, please check the previous blog post: "Philippine Banks Improve Slightly in the 4th Qtr of 2016".

The Top Distressed Philippine Banks
Total Distressed Assets/ Total Capital Cushion
December 31, 2016
In Php
	December 31, 2016
Bank	Total Distressed Assets (In PhP)	Total Capital Cushion (In PhP)	Distressed Assets/ Total Capital Cushion (In %)
BANK OF CHINA LIMITED-MANILA BRANCH	15,126,831,458.02	2,672,347,692.15	566.05%
INTER-ASIA DEVELOPMENT BANK	239,393,425.75	60,760,898.70	393.99%
UNITED COCONUT PLANTERS BANK	28,974,612,581.23	8,061,344,680.37	359.43%
PHIL POSTAL SAVINGS BANK INC	2,687,447,627.94	1,362,809,795.55	197.20%
VILLAGE BANK INC (A THRIFT BANK)	179,830,047.40	98,485,627.30	182.60%
MALAYAN BANK SAVINGS AND MORT BANK INC	1,956,205,970.05	1,283,661,051.68	152.39%
ENTERPRISE BANK INC (A THRIFT BANK)	519,127,042.07	382,097,130.25	135.86%
LUZON DEVELOPMENT BANK	870,877,129.17	658,520,505.27	132.25%
PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS	3,075,137,866.11	2,476,919,001.92	124.15%
EQUICOM SAVINGS BANK INC	920,564,320.14	758,995,198.35	121.29%
CHINA BANK SAVINGS INC	11,166,509,804.59	9,234,578,383.26	120.92%
WORLD PARTNERS BANK (A THRIFT BANK)	276,257,129.54	234,701,101.62	117.71%
BATAAN DEVELOPMENT BANK	111,558,649.63	96,657,335.55	115.42%
LEGAZPI SAVINGS BANK INC	935,044,558.32	882,809,922.80	105.92%
YUANTA SAVINGS BANK PHILIPPINES INC	1,123,456,087.91	1,105,008,705.94	101.67%
Grand Total	68,162,853,697.87	29,369,697,030.71	232.09%

Source: www.bsp.gov.ph

Disclaimer:

This list only serves as a screening guide.  It is not a definitive guide and must be taken in the context of other factors.  The figures are based on the individual banks' statement of condition as of December 31, 2016 as published in the BSP website (www.bsp.gov.ph). For this analysis, no attempt was made to go through the audited financial statements of each bank. Readers are suggested to make their own investigations and verify the figures presented. Both BSP and PDIC have their own problem bank screening systems that are much more sophisticated in scope and design, given that they have more access to information over the banks they regulate.

The Top Distressed Philippine Banks as of September 30, 2016

Editor's Note: The Philippine Deposit Insurance Corporation (PDIC) advised consumers to wisely choose the banks where they will deposit their money. The trouble is, most depositors don't and can't read financial statements before they open a bank account. The regulators, whose job is to safeguard the public's money, have not done a good job recently.  In the past ten years, two commercial banks, twenty-one thrift banks, and a staggering 187 rural banks have collapsed, often quite suddenly and without warning:  Regulators do have a problem bank list that they do not divulge to the public, for fear of sparking another bank run. So who can the public turn to, to advise them where to put their money? No one, except the banks themselves who will always promote their self-interests. This analysis is an attempt to fill in that knowledge gap, by screening out the weaker banks that seem ready to implode at any given moment.

Editor's Note: The ratio of Distressed Assets to Total Capital Cushion is a variant of the famous Texas Ratio, which was widely used by US financial regulators to predict bank failure during the US Savings and Loan Crisis in the 1980s and early 1990s. The basic premise is that a bank with Distressed Assets greater than its Capital Cushion is in danger of insolvency because a significant drop in the value of  the Distressed Assets will eat into a significant amount of the bank's capital.  A bank that has a Distressed Ratio greater than 100% is flagged as borderline insolvent.  For a more detailed discussion of this ratio, please visit a previous blog post: The Texas Ratio of Select Philippine Banks

This is a list of the top distressed Universal and Commercial (U/KB) as well as Thrift Banks in the Philippines as of September 30, 2016.  It updates a previous blog post: "The Top Distressed Philippine Banks as of June 30, 2016".

To see where your bank stands relative to these banks, please check the previous blog post: "Philippine Banks Deteriorate Slightly in the 3rd Qtr of 2016".

The Top Distressed Philippine Banks
Total Distressed Assets/ Total Capital Cushion
September 30, 2016
In Php
	September 30, 2016
Bank	Total Distressed Assets (In PhP)	Total Capital Cushion (In PhP)	Distressed Assets/ Total Capital Cushion (In %)
VILLAGE BANK INC (A THRIFT BANK)	612,421,717.03	98,494,178.93	621.78%
BANK OF CHINA LIMITED-MANILA BRANCH	15,884,638,392.11	2,689,164,904.41	590.69%
INTER-ASIA DEVELOPMENT BANK	212,979,011.00	60,584,384.65	351.54%
UNITED COCONUT PLANTERS BANK	32,102,996,014.60	11,498,031,004.25	279.20%
PHIL POSTAL SAVINGS BANK INC	2,644,058,195.81	1,391,970,544.82	189.95%
CITIBANK, N.A.	28,176,037,619.07	18,852,261,103.84	149.46%
MALAYAN BANK SAVINGS AND MORT BANK INC	1,705,740,200.89	1,180,703,393.55	144.47%
ENTERPRISE BANK INC (A THRIFT BANK)	445,204,238.91	318,128,721.32	139.94%
LUZON DEVELOPMENT BANK	947,553,825.59	681,879,488.39	138.96%
BPI GLOBE BANKO INC A SAVINGS BANK	581,281,529.56	458,848,427.45	126.68%
CHINA BANK SAVINGS INC	11,502,350,011.50	9,231,129,298.27	124.60%
PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS	3,149,430,598.89	2,594,212,149.30	121.40%
EQUICOM SAVINGS BANK INC	962,220,185.53	802,760,372.06	119.86%
BATAAN DEVELOPMENT BANK	111,829,792.01	95,255,014.64	117.40%
OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE THRIFT BANK)	167,435,912.01	154,721,453.56	108.22%
WORLD PARTNERS BANK (A THRIFT BANK)	234,255,813.06	218,147,250.07	107.38%
LEGAZPI SAVINGS BANK INC	920,117,253.90	882,809,874.96	104.23%
METRO CEBU PUBLIC SAVINGS BANK	71,187,151.70	68,780,352.78	103.50%
FARMERS SAVINGS & LOAN BANK INC	138,639,165.85	135,581,798.70	102.25%
Grand Total	100,570,376,629.02	51,413,463,715.95	195.61%

Source: www.bsp.gov.ph

Disclaimer:

This list only serves as a screening guide.  It is not a definitive guide and must be taken in the context of other factors.  The figures are based on the individual banks' statement of condition as of September 30, 2016 as published in the BSP website (www.bsp.gov.ph). For this analysis, no attempt was made to go through the audited financial statements of each bank. Readers are suggested to make their own investigations and verify the figures presented. Both BSP and PDIC have their own problem bank screening systems that are much more sophisticated in scope and design, given that they have more access to information over the banks they regulate.

The Top Distressed Philippine Banks as of June 30, 2016

Editor's Note: The Philippine Deposit Insurance Corporation (PDIC) advised consumers to wisely choose the banks where they will deposit their money. The trouble is, most depositors don't and can't read financial statements before they open a bank account. The regulators, whose job is to safeguard the public's money, have not done a good job recently.  In the past ten years, two commercial banks, twenty-one thrift banks, and a staggering 187 rural banks have collapsed, often quite suddenly and without warning:  Regulators do have a problem bank list that they do not divulge to the public, for fear of sparking another bank run. So who can the public turn to, to advise them where to put their money? No one, except the banks themselves who will always promote their self-interests. This analysis is an attempt to fill in that knowledge gap, by screening out the weaker banks that seem ready to implode at any given moment.

Editor's Note: The ratio of Distressed Assets to Total Capital Cushion is a variant of the famous Texas Ratio, which was widely used by US financial regulators to predict bank failure during the US Savings and Loan Crisis in the 1980s and early 1990s. The basic premise is that a bank with Distressed Assets greater than its Capital Cushion is in danger of insolvency because a significant drop in the value of  the Distressed Assets will eat into a significant amount of the bank's capital.  A bank that has a Distressed Ratio greater than 100% is flagged as borderline insolvent.  For a more detailed discussion of this ratio, please visit a previous blog post: The Texas Ratio of Select Philippine Banks

This is a list of the top distressed Universal and Commercial (U/KB) as well as Thrift Banks in the Philippines as of June 30, 2016.  It updates a previous blog post: "The Top Distressed Philippine Banks as of March 31, 2016".

To see where your bank stands relative to these banks, please check the previous blog post: "Philippine Banks Improve in the 1st Qtr of 2016".

The Top Distressed Philippine Banks
Total Distressed Assets/ Total Capital Cushion
June 30, 2016
In Php
	June 30, 2016
Bank	Total Distressed Assets (In PhP)	Total Capital Cushion (In PhP)	Distressed Assets/ Total Capital Cushion (In %)
VILLAGE BANK INC (A THRIFT BANK)	619,979,347.90	98,494,178.93	629.46%
BANK OF CHINA LIMITED-MANILA BRANCH	10,709,032,114.48	2,635,845,380.78	406.28%
INTER-ASIA DEVELOPMENT BANK	205,993,228.66	59,995,124.07	343.35%
UNITED COCONUT PLANTERS BANK	31,727,332,260.91	11,457,421,212.57	276.92%
CITIBANK, N.A.	32,795,763,879.23	18,855,820,098.26	173.93%
PHIL POSTAL SAVINGS BANK INC	2,186,152,732.18	1,377,028,468.11	158.76%
CHINA BANK SAVINGS INC	11,788,231,465.15	7,562,884,881.59	155.87%
LUZON DEVELOPMENT BANK	1,040,568,998.77	681,252,849.24	152.74%
ENTERPRISE BANK INC (A THRIFT BANK)	449,426,495.64	318,128,721.32	141.27%
MALAYAN BANK SAVINGS AND MORT BANK INC	1,658,354,334.29	1,180,263,058.09	140.51%
BATAAN DEVELOPMENT BANK	115,867,297.55	97,417,468.47	118.94%
EQUICOM SAVINGS BANK INC	949,232,686.08	810,441,670.86	117.13%
METRO CEBU PUBLIC SAVINGS BANK	65,720,023.21	58,302,220.66	112.72%
DUMAGUETE CITY DEV BANK INC	296,690,638.75	270,074,160.98	109.86%
PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS	2,853,432,931.52	2,605,539,908.46	109.51%
LEGAZPI SAVINGS BANK INC	918,499,747.08	884,259,426.32	103.87%
Grand Total	98,380,278,181.40	48,953,168,828.71	200.97%

Source: www.bsp.gov.ph

Disclaimer:

This list only serves as a screening guide.  It is not a definitive guide and must be taken in the context of other factors.  The figures are based on the individual banks' statement of condition as of June 30, 2016 as published in the BSP website (www.bsp.gov.ph). For this analysis, no attempt was made to go through the audited financial statements of each bank. Readers are suggested to make their own investigations and verify the figures presented. Both BSP and PDIC have their own problem bank screening systems that are much more sophisticated in scope and design, given that they have more access to information over the banks they regulate.

The Top Distressed Philippine Banks as of March 31, 2016

Editor's Note: The Philippine Deposit Insurance Corporation (PDIC) advised consumers to wisely choose the banks where they will deposit their money. The trouble is, most depositors don't and can't read financial statements before they open a bank account. The regulators, whose job is to safeguard the public's money, have not done a good job recently.  In the past ten years, two commercial banks, twenty-one thrift banks, and a staggering 187 rural banks have collapsed, often quite suddenly and without warning:  Regulators do have a problem bank list that they do not divulge to the public, for fear of sparking another bank run. So who can the public turn to, to advise them where to put their money? No one, except the banks themselves who will always promote their self-interests. This analysis is an attempt to fill in that knowledge gap, by screening out the weaker banks that seem ready to implode at any given moment.

Editor's Note: The ratio of Distressed Assets to Total Capital Cushion is a variant of the famous Texas Ratio, which was widely used by US financial regulators to predict bank failure during the US Savings and Loan Crisis in the 1980s and early 1990s. The basic premise is that a bank with Distressed Assets greater than its Capital Cushion is in danger of insolvency because a significant drop in the value of  the Distressed Assets will eat into a significant amount of the bank's capital.  A bank that has a Distressed Ratio greater than 100% is flagged as borderline insolvent.  For a more detailed discussion of this ratio, please visit a previous blog post: The Texas Ratio of Select Philippine Banks

This is a list of the top distressed Universal and Commercial (U/KB) as well as Thrift Banks in the Philippines as of March 31, 2016.  It updates a previous blog post: "The Top Distressed Philippine Banks as of December 31, 2015".

To see where your bank stands relative to these banks, please check the previous blog post: "Philippine Banks Deteriorate in the 4th Qtr. of 2015".

The Top Distressed Philippine Banks
Total Distressed Assets/ Total Capital Cushion
March 31, 2016
In Php
	March 31, 2016
Bank	Total Distressed Assets (In PhP)	Total Capital Cushion (In PhP)	Distressed Assets/ Total Capital Cushion (In %)
GSIS FAMILY BANK/ COMSAVINGS BANK	1,388,430,990.85	-64,278,097.71	-2160.04%
VILLAGE BANK INC (A THRIFT BANK)	607,047,505.43	98,507,042.82	616.25%
BANK OF CHINA LIMITED-MANILA BRANCH	10,461,773,775.86	2,637,248,827.89	396.69%
UNITED COCONUT PLANTERS BANK	36,105,038,331.27	11,439,141,113.48	315.63%
INTER-ASIA DEVELOPMENT BANK	181,928,691.71	60,032,404.14	303.05%
LEGAZPI SAVINGS BANK INC	916,593,326.75	463,291,228.55	197.84%
CHINA BANK SAVINGS INC	11,676,720,431.38	7,519,966,463.26	155.28%
ENTERPRISE BANK INC (A THRIFT BANK)	458,910,599.16	318,128,721.32	144.25%
LUZON DEVELOPMENT BANK	961,447,429.40	685,550,251.87	140.24%
MALAYAN BANK SAVINGS AND MORT BANK INC	1,561,876,593.81	1,214,212,954.20	128.63%
BATAAN DEVELOPMENT BANK	116,870,667.31	97,245,069.83	120.18%
DUMAGUETE CITY DEV BANK INC	292,628,303.01	255,768,439.33	114.41%
EQUICOM SAVINGS BANK INC	952,257,946.59	842,893,942.69	112.97%
WORLD PARTNERS BANK (A THRIFT BANK)	181,422,345.06	168,274,099.33	107.81%
METRO CEBU PUBLIC SAVINGS BANK	62,804,365.40	58,826,562.87	106.76%
UCPB SAVINGS BANK	3,011,193,498.28	2,907,230,864.97	103.58%
Grand Total	68,936,944,801.27	28,702,039,888.84	240.18%

GSIS Family Savings Bank aka Comsavings Bank's distressed ratio went negative because its total capital cushion became negative.  In other words, it lost so much money that it no longer had any real capital backing up its assets.  Hence, it was only a matter of time before the bank closed.  And, true enough, it was forced to close by the BSP/Monetary Board last May 13, 2016. See previous post: BSP: GSIS Family Bank aka Comsavings Bank is Better Off Dead

Source: www.bsp.gov.ph

Disclaimer:

This list only serves as a screening guide.  It is not a definitive guide and must be taken in the context of other factors.  The figures are based on the individual banks' statement of condition as of March 31, 2016 as published in the BSP website (www.bsp.gov.ph). For this analysis, no attempt was made to go through the audited financial statements of each bank. Readers are suggested to make their own investigations and verify the figures presented. Both BSP and PDIC have their own problem bank screening systems that are much more sophisticated in scope and design, given that they have more access to information over the banks they regulate.

The Top Distressed Philippine Banks as of December 31, 2015

Editor's Note: The Philippine Deposit Insurance Corporation (PDIC) advised consumers to wisely choose the banks where they will deposit their money. The trouble is, most depositors don't and can't read financial statements before they open a bank account. The regulators, whose job is to safeguard the public's money, have not done a good job recently.  In the past ten years, two commercial banks, twenty-one thrift banks, and a staggering 187 rural banks have collapsed, often quite suddenly and without warning:  Regulators do have a problem bank list that they do not divulge to the public, for fear of sparking another bank run. So who can the public turn to, to advise them where to put their money? No one, except the banks themselves who will always promote their self-interests. This analysis is an attempt to fill in that knowledge gap, by screening out the weaker banks that seem ready to implode at any given moment.

Editor's Note: The ratio of Distressed Assets to Total Capital Cushion is a variant of the famous Texas Ratio, which was widely used by US financial regulators to predict bank failure during the US Savings and Loan Crisis in the 1980s and early 1990s. The basic premise is that a bank with Distressed Assets greater than its Capital Cushion is in danger of insolvency, because a significant drop in the value of  the Distressed Assets will eat into a significant amount of the bank's capital.  A bank that has a Distressed Ratio greater than 100% is flagged as borderline insolvent.  For a more detailed discussion of this ratio, please visit a previous blog post: The Texas Ratio of Select Philippine Banks

This is a list of the top distressed Universal and Commercial (U/KB) as well as Thrift Banks in the Philippines as of December 31, 2015.  It updates a previous blog post: "The Top Distressed Philippine Banks as of September 30, 2015".

To see where your bank stands relative to these banks, please check the previous blog post: "Philippine Banks Deteriorate in the 4th Qtr. of 2015".

The Top Distressed Philippine Banks
Total Distressed Assets/ Total Capital Cushion
December 31, 2015
In Php
	December 31, 2015
Bank	Total Distressed Assets (In PhP)	Total Capital Cushion (In PhP)	Distressed Assets/ Total Capital Cushion (In %)
COMSAVINGS BANK	1,395,614,335.77	-65,448,243.20	-2132.39%
VILLAGE BANK INC (A THRIFT BANK)	556,831,461.87	90,737,510.56	613.67%
BANK OF CHINA LIMITED-MANILA BRANCH	12,360,762,970.29	2,656,902,956.21	465.23%
UNITED COCONUT PLANTERS BANK	36,489,118,835.14	8,502,227,574.02	429.17%
LEGAZPI SAVINGS BANK INC	920,377,443.38	237,928,897.09	386.83%
INTER-ASIA DEVELOPMENT BANK	178,434,476.01	56,595,974.69	315.28%
PLANTERS DEVELOPMENT BANK	7,711,750,827.00	3,475,549,539.90	221.89%
CHINA BANK SAVINGS INC	4,180,494,365.12	2,507,115,465.51	166.75%
PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC)	695,613,033.52	441,321,528.25	157.62%
BANK OF COMMERCE	27,469,383,309.13	17,998,319,986.63	152.62%
ENTERPRISE BANK INC (A THRIFT BANK)	415,058,576.41	292,351,344.09	141.97%
DEUTSCHE BANK AG	3,287,852,162.30	2,392,198,121.84	137.44%
LUZON DEVELOPMENT BANK	835,187,995.92	624,743,120.16	133.69%
BATAAN DEVELOPMENT BANK	114,933,644.48	89,393,285.17	128.57%
MALAYAN BANK SAVINGS AND MORT BANK INC	1,536,604,993.38	1,201,791,661.66	127.86%
UCPB SAVINGS BANK	2,969,881,907.55	2,510,649,604.22	118.29%
EQUICOM SAVINGS BANK INC	918,149,056.60	787,522,895.46	116.59%
DUMAGUETE CITY DEV BANK INC	291,959,317.81	255,851,728.23	114.11%
Grand Total	100,932,394,375.91	44,121,201,193.69	228.76%

GSIS Family Savings Bank aka Comsavings Bank's distressed ratio went negative because its total capital cushion became negative.  In other words, it lost so much money that it no longer had any real capital backing up its assets.  Hence, it was only a matter of time before the bank closed.  And, true enough, it was forced to close by the BSP/Monetary Board last May 13, 2016. See previous post: BSP: GSIS Family Bank aka Comsavings Bank is Better Off Dead

Source: www.bsp.gov.ph

Disclaimer:

This list only serves as a screening guide.  It is not a definitive guide and must be taken in the context of other factors.  The figures are based on the individual banks' statement of condition as of December 31, 2015 as published in the BSP website (www.bsp.gov.ph). For this analysis, no attempt was made to go through the audited financial statements of each bank. Readers are suggested to make their own investigations and verify the figures presented. Both BSP and PDIC have their own problem bank screening systems that are much more sophisticated in scope and design, given that they have more access to information over the banks they regulate.

The Top Distressed Philippine Banks as of September 30, 2015

Editor's Note: The Philippine Deposit Insurance Corporation (PDIC) advised consumers to wisely choose the banks where they will deposit their money. The trouble is, most depositors don't and can't read financial statements before they open a bank account. The regulators, whose job is to safeguard the public's money, have not done a good job recently.  In the past ten years, two commercial banks, twenty-one thrift banks, and a staggering 187 rural banks have collapsed, often quite suddenly and without warning:  Regulators do have a problem bank list that they do not divulge to the public, for fear of sparking another bank run. So who can the public turn to, to advise them where to put their money? No one, except the banks themselves who will always promote their self-interests. This analysis is an attempt to fill in that knowledge gap, by screening out the weaker banks that seem ready to implode at any given moment.

Editor's Note: The ratio of Distressed Assets to Total Capital Cushion is a variant of the famous Texas Ratio, which was widely used by US financial regulators to predict bank failure during the US Savings and Loan Crisis in the 1980s and early 1990s. The basic premise is that a bank with Distressed Assets greater than its Capital Cushion is in danger of insolvency, because a significant drop in the value of  the Distressed Assets will eat into a significant amount of the bank's capital.  A bank that has a Distressed Ratio greater than 100% is flagged as borderline insolvent.  For a more detailed discussion of this ratio, please visit a previous blog post: The Texas Ratio of Select Philippine Banks

This is a list of the top distressed Universal and Commercial (U/KB) as well as Thrift Banks in the Philippines as of September 30, 2015.  It updates a previous blog post: "The Top Distressed Philippine Banks as of June 30, 2015".

To see where your bank stands relative to these banks, please check the previous blog post: "Philippine Banks Deteriorate in the 3rd Qtr. of 2015".

The Top Distressed Philippine Banks
Total Distressed Assets/ Total Capital Cushion
September 30, 2015
In Php
	September 30, 2015
Bank	Total Distressed Assets (In PhP)	Total Capital Cushion (In PhP)	Distressed Assets/ Total Capital Cushion (In %)
COMSAVINGS BANK	1,394,627,167.58	9,771,392.48	14272.55%
LEGAZPI SAVINGS BANK INC	912,030,912.25	95,248,137.03	957.53%
VILLAGE BANK INC (A THRIFT BANK)	586,691,256.96	90,972,478.08	644.91%
SECURITY BANK SAVINGS CORPORATION	8,792,570,281.33	1,588,413,414.97	553.54%
BANK OF CHINA LIMITED-MANILA BRANCH	9,312,937,790.59	2,626,382,043.46	354.59%
UNITED COCONUT PLANTERS BANK	39,563,238,744.27	12,168,057,585.31	325.14%
INTER-ASIA DEVELOPMENT BANK	174,622,646.57	59,982,020.81	291.12%
PLANTERS DEVELOPMENT BANK	7,531,812,686.66	3,402,432,371.19	221.37%
LUZON DEVELOPMENT BANK	930,703,790.74	621,783,393.75	149.68%
BANK OF COMMERCE	27,286,938,682.14	18,323,297,925.40	148.92%
DEUTSCHE BANK AG	3,237,159,085.00	2,372,844,463.03	136.43%
BATAAN DEVELOPMENT BANK	113,975,610.50	85,905,802.10	132.68%
MALAYAN BANK SAVINGS AND MORT BANK INC	1,666,559,023.83	1,258,362,603.04	132.44%
ENTERPRISE BANK INC (A THRIFT BANK)	391,142,209.48	296,449,412.77	131.94%
PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS)	3,002,146,809.88	2,290,748,378.91	131.06%
CHINA BANK SAVINGS INC	3,754,455,631.02	2,930,439,126.68	128.12%
DUMAGUETE CITY DEV BANK INC	291,929,493.67	255,852,431.72	114.10%
WORLD PARTNERS BANK (A THRIFT BANK)	189,668,519.40	166,585,861.61	113.86%
UCPB SAVINGS BANK	2,855,304,853.03	2,535,105,369.48	112.63%
EQUICOM SAVINGS BANK INC	847,402,866.84	805,544,567.59	105.20%
OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE THRIFT BANK)	118,397,407.67	117,849,958.64	100.46%
Grand Total	112,954,315,469.41	52,102,028,738.05	216.79%

Source: www.bsp.gov.ph

Disclaimer:

This list only serves as a screening guide.  It is not a definitive guide and must be taken in the context of other factors.  The figures are based on the individual banks' statement of condition as of September 30, 2015 as published in the BSP website (www.bsp.gov.ph). For this analysis, no attempt was made to go through the audited financial statements of each bank. Readers are suggested to make their own investigations and verify the figures presented. Both BSP and PDIC have their own problem bank screening systems that are much more sophisticated in scope and design, given that they have more access to information over the banks they regulate.