Universal and commercial banks (U/KBs) sustained their robust capitalization as the industry’s capital adequacy ratios (CARs) collectively stood at 17.98 percent on solo basis and 19.24 percent on a consolidated basis as of end-June 2013, the Bangko Sentral ng Pilipinas (BSP) said on Thursday.

“These high ratios are still driven by the industry’s Tier 1 capital, the highest quality among instruments eligible as bank capital,” it stated.

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