Citibank Savings takes the Bronze in NPLs as a % of Stockholder's Equity as of June 30, 2013

Editor's Note: Data is culled from  the Published Statements of Condition of individual Philippine Banks found in www.bsp.gov.ph.  Banks highlighted in yellow are classified as Distressed Banks.  The level of distress is measured by the Ratio of their Total Distressed Assets/Total Capital Cushion as of June 30, 2013.  See a previous blog post: "Philippine Banks Deteriorate in the 2nd Qtr. of 2013".

NPLs.  Short for Non-Performing Loans.  The NPL Ratio, or the ratio of a bank's Non-Performing Loans (NPL) to Total Loan Portfolio (TLP) is a frequently cited figure in the general media to indicate a bank's financial health, or the health of the banking system as a whole.  See: "Banks reduce exposure to bad debts, have more cash to loan out—BSP".

In the Philippine Banking Industry, Gross Non-Performing Loans stood at Php 128.520 billion as of June 30, 2013 - approximately 3.04% of the Philippine Banking Industry's Total Loan Portfolio of Php 4.229 trillion.

Philippine Banking System
NPL as % of TLP
June 30, 2013
	Gross NPLs	Gross TLP	Gross NPL/ Gross TLP
Bank	(In Php)	(In Php)	(In %)
COMSAVINGS BANK	180,958,895.39	273,675,490.83	66.12%
THE REAL BANK (A THRIFT BANK) INC	3,395,898,471.33	5,565,702,693.87	61.01%
SILANGAN SAVINGS & LOAN BANK INC	19,424,309.99	36,700,396.92	52.93%
SAMPAGUITA SAVINGS BANK INC	25,352,585.39	54,982,301.51	46.11%
UNITED OVERSEAS BANK PHILIPPINES	664,852,621.65	1,564,879,957.21	42.49%
CITIBANK SAVINGS INC	2,668,682,418.84	8,377,988,806.26	31.85%
MALASIQUI PROGRESSIVE SLB, INC	15,416,574.15	49,382,974.15	31.22%
PRIDE STAR DEVELOPMENT BANK INC	9,559,935.83	34,046,248.59	28.08%
OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE THRIFT BANK)	65,317,160.61	263,049,236.65	24.83%
BATAAN DEVELOPMENT BANK	40,375,571.40	162,844,006.75	24.79%
PAMPANGA DEVELOPMENT BANK	45,826,800.12	195,574,130.55	23.43%
FARMERS SAVINGS & LOAN BANK INC	49,778,999.14	248,693,299.43	20.02%
QUEZON COCONUT BANK INC (A THRIFT BANK)	6,222,043.61	34,450,470.00	18.06%
PACIFIC ACE SAVINGS BANK INC	5,366,428.71	29,775,843.54	18.02%
PROGRESS SAVINGS AND LOAN BANK INC	1,257,692.79	7,984,069.80	15.75%
SECURITY BANK SAVINGS CORPORATION	748,232,954.74	4,781,884,474.83	15.65%
LEMERY SAVINGS & LOAN BANK, INC.	10,169,554.92	65,604,134.99	15.50%
HIYAS BANKING CORPORATION	32,746,038.55	215,891,812.20	15.17%
MARITIME SAVINGS BANK CORPORATION	20,891,930.08	138,578,716.37	15.08%
DUNGGANON BANK (A MICROFINANCE THRIFT	16,046,296.68	111,301,445.87	14.42%
TONG YANG SAVINGS BANK INC	117,135,782.39	854,991,263.41	13.70%
WORLD PARTNERS BANK (A THRIFT BANK)	89,792,832.06	666,852,147.15	13.47%
ALLIED SAVINGS BANK	357,228,320.30	2,661,576,985.60	13.42%
UNIVERSITY SAVINGS BANK INC	56,688,206.71	457,724,641.59	12.38%
BUSINESS AND CONSUMERS BANK (A DB)	17,314,239.78	142,488,794.36	12.15%
LUZON DEVELOPMENT BANK	209,405,965.66	1,794,177,276.74	11.67%
PHILIPPINE POSTAL SAVINGS BANK INC	373,508,253.37	3,238,275,748.37	11.53%
CORDILLERA SAVINGS BANK INC	17,598,967.60	167,328,047.82	10.52%
LEGAZPI SAVINGS BANK, INC.	136,824,757.59	1,301,833,421.12	10.51%
ILOILO CITY DEVELOPMENT BANK	33,566,491.04	332,355,190.23	10.10%
PLANTERS DEVELOPMENT BANK	3,329,762,667.28	33,480,452,177.57	9.95%
LIFE SAVINGS BANK INC	6,665,816.07	67,277,717.22	9.91%
METRO CEBU PUBLIC SAVINGS BANK	8,297,465.14	86,073,283.89	9.64%
CENTURY SAVINGS BANK CORPORATION	44,181,100.51	467,144,668.43	9.46%
UNION BANK OF THE PHILIPPINES	9,455,821,843.24	100,168,819,494.63	9.44%
PHILIPPINE BANK OF COMMUNICATIONS	1,294,790,670.10	14,284,918,964.22	9.06%
BANK OF COMMERCE	3,974,275,557.76	44,784,970,072.25	8.87%
MALAYAN BANK SAVINGS AND MORT BANK INC	315,811,222.29	3,802,941,095.75	8.30%
PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC)	90,230,745.42	1,087,833,168.84	8.29%
BPI GLOBE BANKO INC A SAVINGS BANK	182,062,708.60	2,248,455,606.01	8.10%
ENTERPRISE BANK INC (A THRIFT BANK)	101,704,523.03	1,449,952,727.50	7.01%
UNITED COCONUT PLANTERS BANK	5,418,035,459.56	77,370,241,586.99	7.00%
MICROFINANCE MAXIMUM SB INC	1,414,730.90	20,209,906.73	7.00%
PHILIPPINE RESOURCES SAVINGS BANKING	506,120,298.59	7,231,151,413.52	7.00%
BATAAN SAVINGS AND LOAN BANK	2,565,639.77	39,015,087.96	6.58%
VILLAGE BANK INC (A THRIFT BANK)	25,354,756.32	392,558,632.69	6.46%
DUMAGUETE CITY DEV BANK INC	28,750,511.17	466,169,634.88	6.17%
TOWER DEVELOPMENT BANK	10,247,473.00	172,139,173.49	5.95%
STERLING BANK OF ASIA INC (A SAVINGS BANK)	840,644,785.84	15,108,785,872.39	5.56%
FIRST CONSOLIDATED BANK INC (A PDB)	353,652,603.04	6,593,720,770.86	5.36%
EAST WEST BANKING CORPORATION	4,123,947,638.15	78,695,578,016.09	5.24%
PRODUCERS SAVINGS BANK CORPORATION	201,998,125.29	3,933,422,633.18	5.14%
EQUICOM SAVINGS BANK INC	182,093,052.34	3,600,286,127.53	5.06%
PHILIPPINE VETERANS BANK	980,823,653.30	20,419,813,317.34	4.80%
RCBC SAVINGS BANK INC	1,888,113,779.49	39,426,165,198.60	4.79%
WEALTH DEVELOPMENT BANK CORPORATION	112,359,183.78	2,365,782,239.30	4.75%
PHILIPPINE NATIONAL BANK	10,537,323,358.47	238,151,917,094.71	4.42%
ASIA UNITED BANK CORPORATION	1,596,944,586.65	36,628,305,195.31	4.36%
PHILIPPINE SAVINGS BANK	4,078,386,173.61	94,556,715,503.95	4.31%
QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK	34,915,854.31	915,254,988.67	3.81%
NORTHPOINT DEVELOPMENT BANK INC	6,664,184.61	179,100,075.91	3.72%
BANK ONE SAVINGS AND TRUST CORP.	20,832,453.89	578,961,931.83	3.60%
DEVELOPMENT BANK OF THE PHILIPPINES	5,466,014,506.37	152,839,188,686.99	3.58%
STANDARD CHARTERED BANK	1,098,898,477.63	30,855,387,446.95	3.56%
SUN SAVINGS BANK INC	5,626,766.85	165,919,543.61	3.39%
LAND BANK OF THE PHILIPPINES	9,453,523,258.07	279,042,193,647.95	3.39%
BPI FAMILY SAVINGS BANK INC	4,202,527,605.71	134,260,301,198.23	3.13%
PHILIPPINE TRUST COMPANY	1,163,844,952.40	38,437,413,394.77	3.03%
ROBINSONS BANK CORPORATION	580,065,444.02	19,613,013,048.10	2.96%
UCPB SAVINGS BANK	221,016,118.63	7,702,297,707.72	2.87%
BDO UNIBANK, INC.	21,736,582,292.44	801,305,774,382.24	2.71%
PHILIPPINE BUSINESS BANK INC A SAVINGS	673,765,617.19	25,045,471,760.07	2.69%
CITYSTATE SAVINGS BANK INC	43,862,623.29	1,634,665,245.83	2.68%
MERCHANTS SAVINGS & LOAN ASSOCIATION INC	2,738,383.86	102,232,712.86	2.68%
MAYBANK PHILIPPINES, INC.	970,046,462.92	37,008,501,413.96	2.62%
CHINA BANKING CORPORATION	4,782,057,740.47	182,745,157,223.29	2.62%
CARD SME BANK INC A THRIFT BANK	16,475,214.84	642,331,674.77	2.56%
RIZAL COMMERCIAL BANKING CORPORATION	3,666,770,696.69	156,405,645,811.78	2.34%
CHINATRUST (PHILS.) COMMERCIAL BANK CORPORATION	299,214,016.73	13,538,674,145.49	2.21%
CHINA BANK SAVINGS INC	129,836,374.62	6,158,620,816.80	2.11%
OPTIMUM DEVELOPMENT BANK INC	16,184,888.53	785,428,931.70	2.06%
BANK OF THE PHILIPPINE ISLANDS	7,789,025,813.91	425,312,658,352.88	1.83%
BPI DIRECT SAVINGS BANK INC	139,044,497.30	8,010,442,064.12	1.74%
THE HONGKONG & SHANGHAI BANKING CORPORATION	729,673,833.25	52,759,014,002.46	1.38%
CITY SAVINGS BANK INC	238,915,692.77	19,129,575,319.09	1.25%
HSBC SAVINGS BANK(PHILS) INC	114,182,022.24	11,145,542,580.49	1.02%
KOREA EXCHANGE BANK	41,388,628.80	4,673,743,689.69	0.89%
METROPOLITAN BANK & TRUST COMPANY	4,131,775,569.43	489,369,874,796.02	0.84%
CITIBANK, N.A.	836,380,944.02	130,571,617,502.96	0.64%
AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILIPPINES	1,156,048.97	189,640,416.25	0.61%
SECURITY BANK CORPORATION	745,283,264.55	144,083,348,262.93	0.52%
BANK OF CHINA LIMITED-MANILA BRANCH	8,660,895.91	6,511,094,430.78	0.13%
BANGKOK BANK PUBLIC CO. LTD.	5,114,155.55	4,999,809,865.47	0.10%
ANZ BANKING GROUP LTD.	23,339,114.85	25,756,926,648.77	0.09%
JP MORGAN CHASE BANK, N.A.	734,885.22	34,582,567,702.66	0.00%
BANK OF AMERICA, N.A.	4.00	1,021,549,825.76	0.00%
INTERNATIONALE NEDERLANDEN GROEP BK	88.40	25,986,862,715.40	0.00%
BDO ELITE SAVINGS BANK INC	0.00	958,000,000.00	0.00%
BDO PRIVATE BANK, INC.	0.00	8,745,969,350.74	0.00%
DEUTSCHE BANK AG	0.00	27,452,074,706.04	0.00%
ISLA BANK (A THRIFT BANK) INC	0.00	613,484,347.91	0.00%
MEGA INTERNATIONAL COMMERCIAL BANK CO., LTD.	0.00	7,330,040,584.80	0.00%
MIZUHO CORPORATE BANK, LTD. - MANILA BRANCH	0.00	21,529,468,593.87	0.00%
THE BANK OF TOKYO-MITSUBISHI UFJ LTD	0.00	27,719,290,209.20	0.00%
Grand Total	128,519,960,622.37	4,229,345,542,166.35	3.04%

Source: www.bsp.gov.ph

There are seven Philippine Banks with an Gross NPL Ratio greater than 30% of Total Loan Portfolio  (TLP).  These are as follows:

1. Comsavings Bank (66.12% of TLP)
2. The Real Bank (61.01% of TLP)
3. Silangan Savings and Loan Bank, Inc. (52.93% of TLP)
4. Sampaguita SLA (46.11% of TLP)
5. United Overseas Bank Philippines (42.49% of TLP)
6. Citibank Savings Inc. (31.85% of TLP)
7. Malasiqui Progressive SLB, Inc. (31.22% of TLP)

Of these banks, three banks are considered distressed:

1. Comsavings Bank (formerly GSIS Family Bank)
2. The Real Bank
3. Silangan Savings and Loan Bank, Inc.

The ratio of a bank's NPLs to its total Stockholders Equity (SE) maybe more important than the ratio of its NPLs to Total Loan Portfolio.  The idea behind this is that NPLs are fragile things.  As a loan deteriorates, its recoverable value will deteriorate as well.  A foreclosure might result in a loan recovery that is a fraction of the loans original value.  Therefore, banks with high NPL Ratios relative to their Stockholders Equity may face a significant loss of capital if a substantial amount of their NPLs are written of as a loss.

On an overall basis, the Gross NPLs of Philippine Thrift Banks amounted to 12.93% of Stockholders Equity as of June 30, 2013.

Philippine Banking System
NPL as % of SE
June 30, 2013
	NPL	SE	NPL/SE
Bank	(In PHP)	(In PHP)	(In %)
THE REAL BANK (A THRIFT BANK) INC	3,395,898,471.33	954,716,904.11	355.70%
SILANGAN SAVINGS & LOAN BANK INC	19,424,309.99	10,024,231.84	193.77%
CITIBANK SAVINGS INC	2,668,682,418.84	1,505,092,916.36	177.31%
OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE THRIFT BANK)	65,317,160.61	65,785,965.21	99.29%
UNITED OVERSEAS BANK PHILIPPINES	664,852,621.65	675,479,081.15	98.43%
PLANTERS DEVELOPMENT BANK	3,329,762,667.28	3,441,566,343.20	96.75%
WORLD PARTNERS BANK (A THRIFT BANK)	89,792,832.06	102,977,631.01	87.20%
LEGAZPI SAVINGS BANK, INC.	136,824,757.59	184,484,675.09	74.17%
SECURITY BANK SAVINGS CORPORATION	748,232,954.74	1,103,700,790.10	67.79%
BATAAN DEVELOPMENT BANK	40,375,571.40	67,429,814.21	59.88%
COMSAVINGS BANK	180,958,895.39	336,787,294.99	53.73%
ENTERPRISE BANK INC (A THRIFT BANK)	101,704,523.03	190,206,158.92	53.47%
BPI GLOBE BANKO INC A SAVINGS BANK	182,062,708.60	347,672,013.20	52.37%
PHILIPPINE POSTAL SAVINGS BANK INC	373,508,253.37	753,072,008.18	49.60%
LUZON DEVELOPMENT BANK	209,405,965.66	422,218,858.87	49.60%
FARMERS SAVINGS & LOAN BANK INC	49,778,999.14	102,665,008.26	48.49%
ILOILO CITY DEVELOPMENT BANK	33,566,491.04	72,516,124.72	46.29%
STERLING BANK OF ASIA INC (A SAVINGS BANK)	840,644,785.84	1,855,253,921.92	45.31%
SAMPAGUITA SAVINGS BANK INC	25,352,585.39	56,198,308.44	45.11%
STANDARD CHARTERED BANK	1,098,898,477.63	2,436,791,613.93	45.10%
PAMPANGA DEVELOPMENT BANK	45,826,800.12	113,624,759.84	40.33%
EQUICOM SAVINGS BANK INC	182,093,052.34	474,402,836.24	38.38%
ALLIED SAVINGS BANK	357,228,320.30	970,670,969.63	36.80%
PHILIPPINE RESOURCES SAVINGS BANKING	506,120,298.59	1,444,810,331.28	35.03%
VILLAGE BANK INC (A THRIFT BANK)	25,354,756.32	74,691,166.15	33.95%
PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC)	90,230,745.42	266,175,154.05	33.90%
TONG YANG SAVINGS BANK INC	117,135,782.39	370,323,576.74	31.63%
MARITIME SAVINGS BANK CORPORATION	20,891,930.08	66,536,138.15	31.40%
MALAYAN BANK SAVINGS AND MORT BANK INC	315,811,222.29	1,081,422,213.27	29.20%
WEALTH DEVELOPMENT BANK CORPORATION	112,359,183.78	386,675,687.50	29.06%
MALASIQUI PROGRESSIVE SLB, INC	15,416,574.15	53,228,171.60	28.96%
UNIVERSITY SAVINGS BANK INC	56,688,206.71	213,182,990.10	26.59%
UNITED COCONUT PLANTERS BANK	5,418,035,459.56	20,469,896,934.55	26.47%
RCBC SAVINGS BANK INC	1,888,113,779.49	7,446,561,848.19	25.36%
PHILIPPINE SAVINGS BANK	4,078,386,173.61	16,431,300,642.56	24.82%
BANK OF COMMERCE	3,974,275,557.76	16,207,283,504.94	24.52%
PHILIPPINE BANK OF COMMUNICATIONS	1,294,790,670.10	5,368,160,351.75	24.12%
BPI FAMILY SAVINGS BANK INC	4,202,527,605.71	17,933,631,550.55	23.43%
UNION BANK OF THE PHILIPPINES	9,455,821,843.24	40,873,093,422.58	23.13%
EAST WEST BANKING CORPORATION	4,123,947,638.15	18,367,165,525.46	22.45%
BUSINESS AND CONSUMERS BANK (A DB)	17,314,239.78	79,466,088.60	21.79%
HIYAS BANKING CORPORATION	32,746,038.55	159,435,298.25	20.54%
DUNGGANON BANK (A MICROFINANCE THRIFT	16,046,296.68	84,752,873.74	18.93%
FIRST CONSOLIDATED BANK INC (A PDB)	353,652,603.04	1,984,315,768.51	17.82%
CORDILLERA SAVINGS BANK INC	17,598,967.60	99,002,411.81	17.78%
PRODUCERS SAVINGS BANK CORPORATION	201,998,125.29	1,143,633,294.44	17.66%
BPI DIRECT SAVINGS BANK INC	139,044,497.30	872,759,218.43	15.93%
LEMERY SAVINGS & LOAN BANK, INC.	10,169,554.92	67,666,272.11	15.03%
DUMAGUETE CITY DEV BANK INC	28,750,511.17	205,618,290.98	13.98%
PHILIPPINE NATIONAL BANK	10,537,323,358.47	75,389,633,814.34	13.98%
BDO UNIBANK, INC.	21,736,582,292.44	157,961,876,170.48	13.76%
PRIDE STAR DEVELOPMENT BANK INC	9,559,935.83	69,952,802.55	13.67%
DEVELOPMENT BANK OF THE PHILIPPINES	5,466,014,506.37	40,019,086,743.04	13.66%
PHILIPPINE VETERANS BANK	980,823,653.30	7,274,715,194.50	13.48%
THE HONGKONG & SHANGHAI BANKING CORPORATION	729,673,833.25	5,581,816,737.16	13.07%
METRO CEBU PUBLIC SAVINGS BANK	8,297,465.14	64,176,816.41	12.93%
LAND BANK OF THE PHILIPPINES	9,453,523,258.07	74,490,631,217.21	12.69%
CHINA BANKING CORPORATION	4,782,057,740.47	41,282,070,248.73	11.58%
CITIBANK, N.A.	836,380,944.02	7,307,790,974.29	11.45%
CHINA BANK SAVINGS INC	129,836,374.62	1,149,391,251.67	11.30%
QUEZON COCONUT BANK INC (A THRIFT BANK)	6,222,043.61	58,137,795.88	10.70%
ROBINSONS BANK CORPORATION	580,065,444.02	5,593,386,942.73	10.37%
LIFE SAVINGS BANK INC	6,665,816.07	64,480,923.50	10.34%
MAYBANK PHILIPPINES, INC.	970,046,462.92	10,011,074,288.81	9.69%
PHILIPPINE BUSINESS BANK INC A SAVINGS	673,765,617.19	7,154,855,472.70	9.42%
CITY SAVINGS BANK INC	238,915,692.77	2,616,360,671.62	9.13%
NORTHPOINT DEVELOPMENT BANK INC	6,664,184.61	74,784,706.83	8.91%
UCPB SAVINGS BANK	221,016,118.63	2,481,150,558.49	8.91%
TOWER DEVELOPMENT BANK	10,247,473.00	115,297,510.57	8.89%
ASIA UNITED BANK CORPORATION	1,596,944,586.65	18,004,493,277.37	8.87%
BANK OF THE PHILIPPINE ISLANDS	7,789,025,813.91	96,984,409,795.53	8.03%
RIZAL COMMERCIAL BANKING CORPORATION	3,666,770,696.69	45,733,731,017.79	8.02%
KOREA EXCHANGE BANK	41,388,628.80	535,093,060.19	7.73%
CARD SME BANK INC A THRIFT BANK	16,475,214.84	225,355,623.11	7.31%
PACIFIC ACE SAVINGS BANK INC	5,366,428.71	74,197,418.90	7.23%
PHILIPPINE TRUST COMPANY	1,163,844,952.40	19,325,487,937.77	6.02%
CITYSTATE SAVINGS BANK INC	43,862,623.29	797,606,384.96	5.50%
QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK	34,915,854.31	665,872,938.03	5.24%
SUN SAVINGS BANK INC	5,626,766.85	107,378,430.56	5.24%
CENTURY SAVINGS BANK CORPORATION	44,181,100.51	908,388,275.05	4.86%
CHINATRUST (PHILS.) COMMERCIAL BANK CORPORATION	299,214,016.73	6,416,703,004.47	4.66%
HSBC SAVINGS BANK(PHILS) INC	114,182,022.24	2,779,512,080.98	4.11%
BANK ONE SAVINGS AND TRUST CORP.	20,832,453.89	534,632,634.91	3.90%
BATAAN SAVINGS AND LOAN BANK	2,565,639.77	75,794,949.19	3.38%
METROPOLITAN BANK & TRUST COMPANY	4,131,775,569.43	129,811,488,118.47	3.18%
MICROFINANCE MAXIMUM SB INC	1,414,730.90	59,380,718.51	2.38%
OPTIMUM DEVELOPMENT BANK INC	16,184,888.53	712,005,019.73	2.27%
SECURITY BANK CORPORATION	745,283,264.55	38,031,802,693.36	1.96%
PROGRESS SAVINGS AND LOAN BANK INC	1,257,692.79	83,851,283.88	1.50%
BANK OF CHINA LIMITED-MANILA BRANCH	8,660,895.91	702,151,897.91	1.23%
ANZ BANKING GROUP LTD.	23,339,114.85	2,638,076,062.74	0.88%
MERCHANTS SAVINGS & LOAN ASSOCIATION INC	2,738,383.86	518,764,567.97	0.53%
BANGKOK BANK PUBLIC CO. LTD.	5,114,155.55	1,151,237,103.16	0.44%
AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILIPPINES	1,156,048.97	417,807,663.99	0.28%
JP MORGAN CHASE BANK, N.A.	734,885.22	2,112,614,494.20	0.03%
INTERNATIONALE NEDERLANDEN GROEP BK	88.40	2,978,631,660.50	0.00%
BANK OF AMERICA, N.A.	4.00	596,946,705.20	0.00%
BDO ELITE SAVINGS BANK INC	0.00	1,587,282,037.51	0.00%
BDO PRIVATE BANK, INC.	0.00	5,876,167,394.59	0.00%
DEUTSCHE BANK AG	0.00	2,154,472,213.73	0.00%
ISLA BANK (A THRIFT BANK) INC	0.00	639,029,859.97	0.00%
MEGA INTERNATIONAL COMMERCIAL BANK CO., LTD.	0.00	690,973,487.79	0.00%
MIZUHO CORPORATE BANK, LTD. - MANILA BRANCH	0.00	1,441,815,862.96	0.00%
THE BANK OF TOKYO-MITSUBISHI UFJ LTD	0.00	2,045,511,752.87	0.00%
Grand Total	128,519,960,622.37	994,173,465,225.07	12.93%

Source: www.bsp.gov.ph

Of the 104 banks in this list, twenty-eight have a Gross NPL to Stockholders Equity Ratio of 30% or more.  These banks are as follows:

1. The Real Bank (355.70% of SE)
2. Silangan Savings and Loan Bank, Inc. (193.77% of SE)
3. Citibank Savings Inc. (177.31% of SE)
4. Opportunity Kauswagan Bank, Inc. (99.29% of SE)
5. United Overseas Bank Philippines (98.43% of SE)
6. Planters Development Bank (96.75% of SE)
7. World Partners Bank (87.20% of SE)
8. Legazpi Savings Bank, Inc. (74.17% of SE)
9. Security Bank Savings Corporation (67.79% of SE)
10. Bataan Development Bank (59.88% of SE)
11. Comsavings Bank (53.73% of SE)
12. Enterprise Bank Inc. (53.47% of SE)
13. BPI Globe Banko Inc. (52.37% of SE)
14. Philippine Postal Savings Bank (49.60% of SE)
15. Luzon Development Bank (49.60% of SE)
16. Farmers Savings & Loan Bank Inc. (48.49% of SE)
17. Iloilo City Development Bank (46.29% of SE)
18. Sterling Bank of Asia, Inc. (45.31% of SE)
19. Sampaguita SLA (45.11% of SE)
20. Standard Chartered Bank (45.10% of SE)
21. Pampanga Development Bank (40.33% of SE)
22. Equicom Savings Bank Inc. (38.38% of SE)
23. Allied Savings Bank (36.80% of SE)
24. Philippine Resources Savings Banking Corporation (35.03% of SE)
25. Village Bank Inc. (33.95% of SE)
26. Penbank Inc. (33.90% of SE)
27. Tong Yang Savings Bank Inc. (31.63% of SE)
28. Maritime Savings Bank Corporation (31.40% of SE)

Another indicator of a bank's financial health is the level of DOSRI Loans in relation to a bank's Total Loan Portfolio.  Under current banking regulations, the limit on the amount of individual loans to DOSRI, of which 70% must be secured, should not exceed a bank's parent company's regulatory capital or 15% of the bank's parent company's total loan portfolio, whichever is lower.  These limits do not apply to loans secured by assets considered as non-risk as defined in the regulations. Therefore banks with significantly high DOSRI Loan to Total Loan Portfolio ratios may be bumping up or exceeding the limits of compliance with DOSRI regulations.

On an overall basis, the DOSRI Loans of Philippine Banks amounted to only 4.66% of their Total Loan Portfolio as of June 30, 2013.  Of the 104 banks, thirty-one banks reported having no DOSRI Loans.  Of the seventy-three banks with DOSRI Loans, thirty-one banks had DOSRI Loans that made up less than 1% of their Total Loan Portfolios.  However, seven banks had DOSRI Loans that comprised more than 15% of their Total Loan Portfolios.  They are as follows:

1. Land Bank of the Philippines (23.77% of TLP)
2. Penbank Inc. (22.49% of TLP)
3. Citystate Savings Bank Inc. (21.98% of TLP)
4. Development Bank of the Philippines (21.85% of TLP)
5. Life Savings Bank Inc. (20.31% of TLP)
6. World Partners Bank (15.64% of TLP)
7. The Queen City Development Bank (15.12% of TLP)

Philippine Banking System
DOSRI as % of TLP
June 30, 2013
	DOSRI	TLP	DOSRI/TLP
Bank	(In Php)	(In PHP)	(In %)
LAND BANK OF THE PHILIPPINES	66,321,985,094.91	279,042,193,647.95	23.77%
PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC)	244,675,228.58	1,087,833,168.84	22.49%
CITYSTATE SAVINGS BANK INC	359,268,222.27	1,634,665,245.83	21.98%
DEVELOPMENT BANK OF THE PHILIPPINES	33,400,111,455.15	152,839,188,686.99	21.85%
LIFE SAVINGS BANK INC	13,661,073.40	67,277,717.22	20.31%
WORLD PARTNERS BANK (A THRIFT BANK)	104,283,002.15	666,852,147.15	15.64%
QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK	138,413,127.38	915,254,988.67	15.12%
MALASIQUI PROGRESSIVE SLB, INC	5,715,000.00	49,382,974.15	11.57%
VILLAGE BANK INC (A THRIFT BANK)	40,811,545.89	392,558,632.69	10.40%
TOWER DEVELOPMENT BANK	16,464,220.95	172,139,173.49	9.56%
SILANGAN SAVINGS & LOAN BANK INC	3,311,630.00	36,700,396.92	9.02%
OPTIMUM DEVELOPMENT BANK INC	66,002,292.95	785,428,931.70	8.40%
PAMPANGA DEVELOPMENT BANK	14,746,515.72	195,574,130.55	7.54%
HIYAS BANKING CORPORATION	15,005,643.12	215,891,812.20	6.95%
CHINA BANKING CORPORATION	11,984,056,914.40	182,745,157,223.29	6.56%
BDO UNIBANK, INC.	52,312,678,087.80	801,305,774,382.24	6.53%
QUEZON COCONUT BANK INC (A THRIFT BANK)	2,161,326.70	34,450,470.00	6.27%
OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE THRIFT BANK)	14,979,066.60	263,049,236.65	5.69%
STERLING BANK OF ASIA INC (A SAVINGS BANK)	841,586,070.57	15,108,785,872.39	5.57%
ROBINSONS BANK CORPORATION	1,064,636,089.05	19,613,013,048.10	5.43%
CENTURY SAVINGS BANK CORPORATION	25,268,571.26	467,144,668.43	5.41%
BANK ONE SAVINGS AND TRUST CORP.	29,913,333.33	578,961,931.83	5.17%
LUZON DEVELOPMENT BANK	86,187,364.95	1,794,177,276.74	4.80%
BANK OF AMERICA, N.A.	39,924,436.18	1,021,549,825.76	3.91%
PHILIPPINE BUSINESS BANK INC A SAVINGS	971,125,420.06	25,045,471,760.07	3.88%
PHILIPPINE POSTAL SAVINGS BANK INC	125,151,565.55	3,238,275,748.37	3.86%
WEALTH DEVELOPMENT BANK CORPORATION	89,127,655.50	2,365,782,239.30	3.77%
COMSAVINGS BANK	9,647,517.34	273,675,490.83	3.53%
SAMPAGUITA SAVINGS BANK INC	1,800,000.00	54,982,301.51	3.27%
MARITIME SAVINGS BANK CORPORATION	4,168,450.00	138,578,716.37	3.01%
RIZAL COMMERCIAL BANKING CORPORATION	4,658,123,451.79	156,405,645,811.78	2.98%
BANK OF COMMERCE	1,106,600,261.52	44,784,970,072.25	2.47%
EAST WEST BANKING CORPORATION	1,745,038,048.76	78,695,578,016.09	2.22%
PHILIPPINE SAVINGS BANK	1,942,211,442.94	94,556,715,503.95	2.05%
PLANTERS DEVELOPMENT BANK	666,191,696.20	33,480,452,177.57	1.99%
CORDILLERA SAVINGS BANK INC	3,083,452.31	167,328,047.82	1.84%
PHILIPPINE NATIONAL BANK	3,875,270,945.94	238,151,917,094.71	1.63%
BANK OF THE PHILIPPINE ISLANDS	6,619,308,956.91	425,312,658,352.88	1.56%
PRODUCERS SAVINGS BANK CORPORATION	59,345,619.71	3,933,422,633.18	1.51%
DUMAGUETE CITY DEV BANK INC	6,465,525.76	466,169,634.88	1.39%
LEGAZPI SAVINGS BANK, INC.	16,265,058.60	1,301,833,421.12	1.25%
METROPOLITAN BANK & TRUST COMPANY	5,396,306,717.24	489,369,874,796.02	1.10%
MALAYAN BANK SAVINGS AND MORT BANK INC	36,634,758.07	3,802,941,095.75	0.96%
THE HONGKONG & SHANGHAI BANKING CORPORATION	460,791,763.14	52,759,014,002.46	0.87%
UNION BANK OF THE PHILIPPINES	824,058,522.19	100,168,819,494.63	0.82%
HSBC SAVINGS BANK(PHILS) INC	69,804,939.59	11,145,542,580.49	0.63%
SECURITY BANK CORPORATION	607,869,887.20	144,083,348,262.93	0.42%
ASIA UNITED BANK CORPORATION	138,656,233.64	36,628,305,195.31	0.38%
SECURITY BANK SAVINGS CORPORATION	17,508,046.01	4,781,884,474.83	0.37%
UNITED COCONUT PLANTERS BANK	211,740,377.44	77,370,241,586.99	0.27%
PHILIPPINE VETERANS BANK	50,381,699.74	20,419,813,317.34	0.25%
TONG YANG SAVINGS BANK INC	2,018,073.12	854,991,263.41	0.24%
FIRST CONSOLIDATED BANK INC (A PDB)	10,678,937.29	6,593,720,770.86	0.16%
ANZ BANKING GROUP LTD.	40,856,863.31	25,756,926,648.77	0.16%
CHINA BANK SAVINGS INC	9,443,701.54	6,158,620,816.80	0.15%
UNIVERSITY SAVINGS BANK INC	697,280.10	457,724,641.59	0.15%
CHINATRUST (PHILS.) COMMERCIAL BANK CORPORATION	20,450,573.56	13,538,674,145.49	0.15%
JP MORGAN CHASE BANK, N.A.	49,806,836.38	34,582,567,702.66	0.14%
RCBC SAVINGS BANK INC	55,088,794.31	39,426,165,198.60	0.14%
PHILIPPINE BANK OF COMMUNICATIONS	18,749,507.65	14,284,918,964.22	0.13%
CITY SAVINGS BANK INC	19,972,890.98	19,129,575,319.09	0.10%
FARMERS SAVINGS & LOAN BANK INC	222,475.09	248,693,299.43	0.09%
EQUICOM SAVINGS BANK INC	3,067,177.30	3,600,286,127.53	0.09%
STANDARD CHARTERED BANK	18,283,684.08	30,855,387,446.95	0.06%
THE BANK OF TOKYO-MITSUBISHI UFJ LTD	14,071,754.90	27,719,290,209.20	0.05%
CITIBANK, N.A.	57,222,193.52	130,571,617,502.96	0.04%
UCPB SAVINGS BANK	2,924,807.55	7,702,297,707.72	0.04%
BPI FAMILY SAVINGS BANK INC	39,713,085.42	134,260,301,198.23	0.03%
ISLA BANK (A THRIFT BANK) INC	111,906.05	613,484,347.91	0.02%
BPI DIRECT SAVINGS BANK INC	1,266,315.76	8,010,442,064.12	0.02%
MAYBANK PHILIPPINES, INC.	3,459,020.01	37,008,501,413.96	0.01%
KOREA EXCHANGE BANK	389,111.00	4,673,743,689.69	0.01%
UNITED OVERSEAS BANK PHILIPPINES	81,373.56	1,564,879,957.21	0.01%
AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILIPPINES	0.00	189,640,416.25	0.00%
ALLIED SAVINGS BANK	0.00	2,661,576,985.60	0.00%
BANGKOK BANK PUBLIC CO. LTD.	0.00	4,999,809,865.47	0.00%
BANK OF CHINA LIMITED-MANILA BRANCH	0.00	6,511,094,430.78	0.00%
BATAAN DEVELOPMENT BANK	0.00	162,844,006.75	0.00%
BATAAN SAVINGS AND LOAN BANK	0.00	39,015,087.96	0.00%
BDO ELITE SAVINGS BANK INC	0.00	958,000,000.00	0.00%
BDO PRIVATE BANK, INC.	0.00	8,745,969,350.74	0.00%
BPI GLOBE BANKO INC A SAVINGS BANK	0.00	2,248,455,606.01	0.00%
BUSINESS AND CONSUMERS BANK (A DB)	0.00	142,488,794.36	0.00%
CARD SME BANK INC A THRIFT BANK	0.00	642,331,674.77	0.00%
CITIBANK SAVINGS INC	0.00	8,377,988,806.26	0.00%
DEUTSCHE BANK AG	0.00	27,452,074,706.04	0.00%
DUNGGANON BANK (A MICROFINANCE THRIFT	0.00	111,301,445.87	0.00%
ENTERPRISE BANK INC (A THRIFT BANK)	0.00	1,449,952,727.50	0.00%
ILOILO CITY DEVELOPMENT BANK	0.00	332,355,190.23	0.00%
INTERNATIONALE NEDERLANDEN GROEP BK	0.00	25,986,862,715.40	0.00%
LEMERY SAVINGS & LOAN BANK, INC.	0.00	65,604,134.99	0.00%
MEGA INTERNATIONAL COMMERCIAL BANK CO., LTD.	0.00	7,330,040,584.80	0.00%
MERCHANTS SAVINGS & LOAN ASSOCIATION INC	0.00	102,232,712.86	0.00%
METRO CEBU PUBLIC SAVINGS BANK	0.00	86,073,283.89	0.00%
MICROFINANCE MAXIMUM SB INC	0.00	20,209,906.73	0.00%
MIZUHO CORPORATE BANK, LTD. - MANILA BRANCH	0.00	21,529,468,593.87	0.00%
NORTHPOINT DEVELOPMENT BANK INC	0.00	179,100,075.91	0.00%
PACIFIC ACE SAVINGS BANK INC	0.00	29,775,843.54	0.00%
PHILIPPINE RESOURCES SAVINGS BANKING	0.00	7,231,151,413.52	0.00%
PHILIPPINE TRUST COMPANY	0.00	38,437,413,394.77	0.00%
PRIDE STAR DEVELOPMENT BANK INC	0.00	34,046,248.59	0.00%
PROGRESS SAVINGS AND LOAN BANK INC	0.00	7,984,069.80	0.00%
SUN SAVINGS BANK INC	0.00	165,919,543.61	0.00%
THE REAL BANK (A THRIFT BANK) INC	0.00	5,565,702,693.87	0.00%
Grand Total	197,227,099,688.94	4,229,345,542,166.35	4.66%

Source: www.bsp.gov.ph

DOSRI Rules indicate that, in the aggregate, DOSRI Loans should not exceed the total equity of the bank.  Therefore banks with a significantly high DOSRI Loans as a percentage of Stockholders Equity may be approaching DOSRI Limits.  Generally speaking, the DOSRI Loans of Philippine Banks amounted to 19.84% of Stockholders Equity as of June 30, 2013.

Philippine Banking System
DOSRI as % of Stockholders Equity
June 30, 2013
	DOSRI	SE	DOSRI/SE
Bank	(In Php)	(In PHP)	(In %)
WORLD PARTNERS BANK (A THRIFT BANK)	104,283,002.15	102,977,631.01	101.27%
PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC)	244,675,228.58	266,175,154.05	91.92%
LAND BANK OF THE PHILIPPINES	66,321,985,094.91	74,490,631,217.21	89.03%
DEVELOPMENT BANK OF THE PHILIPPINES	33,400,111,455.15	40,019,086,743.04	83.46%
VILLAGE BANK INC (A THRIFT BANK)	40,811,545.89	74,691,166.15	54.64%
STERLING BANK OF ASIA INC (A SAVINGS BANK)	841,586,070.57	1,855,253,921.92	45.36%
CITYSTATE SAVINGS BANK INC	359,268,222.27	797,606,384.96	45.04%
BDO UNIBANK, INC.	52,312,678,087.80	157,961,876,170.48	33.12%
SILANGAN SAVINGS & LOAN BANK INC	3,311,630.00	10,024,231.84	33.04%
CHINA BANKING CORPORATION	11,984,056,914.40	41,282,070,248.73	29.03%
WEALTH DEVELOPMENT BANK CORPORATION	89,127,655.50	386,675,687.50	23.05%
OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE THRIFT BANK)	14,979,066.60	65,785,965.21	22.77%
LIFE SAVINGS BANK INC	13,661,073.40	64,480,923.50	21.19%
QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK	138,413,127.38	665,872,938.03	20.79%
LUZON DEVELOPMENT BANK	86,187,364.95	422,218,858.87	20.41%
PLANTERS DEVELOPMENT BANK	666,191,696.20	3,441,566,343.20	19.36%
ROBINSONS BANK CORPORATION	1,064,636,089.05	5,593,386,942.73	19.03%
PHILIPPINE POSTAL SAVINGS BANK INC	125,151,565.55	753,072,008.18	16.62%
TOWER DEVELOPMENT BANK	16,464,220.95	115,297,510.57	14.28%
PHILIPPINE BUSINESS BANK INC A SAVINGS	971,125,420.06	7,154,855,472.70	13.57%
PAMPANGA DEVELOPMENT BANK	14,746,515.72	113,624,759.84	12.98%
PHILIPPINE SAVINGS BANK	1,942,211,442.94	16,431,300,642.56	11.82%
MALASIQUI PROGRESSIVE SLB, INC	5,715,000.00	53,228,171.60	10.74%
RIZAL COMMERCIAL BANKING CORPORATION	4,658,123,451.79	45,733,731,017.79	10.19%
EAST WEST BANKING CORPORATION	1,745,038,048.76	18,367,165,525.46	9.50%
HIYAS BANKING CORPORATION	15,005,643.12	159,435,298.25	9.41%
OPTIMUM DEVELOPMENT BANK INC	66,002,292.95	712,005,019.73	9.27%
LEGAZPI SAVINGS BANK, INC.	16,265,058.60	184,484,675.09	8.82%
THE HONGKONG & SHANGHAI BANKING CORPORATION	460,791,763.14	5,581,816,737.16	8.26%
BANK OF COMMERCE	1,106,600,261.52	16,207,283,504.94	6.83%
BANK OF THE PHILIPPINE ISLANDS	6,619,308,956.91	96,984,409,795.53	6.83%
BANK OF AMERICA, N.A.	39,924,436.18	596,946,705.20	6.69%
MARITIME SAVINGS BANK CORPORATION	4,168,450.00	66,536,138.15	6.26%
BANK ONE SAVINGS AND TRUST CORP.	29,913,333.33	534,632,634.91	5.60%
PRODUCERS SAVINGS BANK CORPORATION	59,345,619.71	1,143,633,294.44	5.19%
PHILIPPINE NATIONAL BANK	3,875,270,945.94	75,389,633,814.34	5.14%
METROPOLITAN BANK & TRUST COMPANY	5,396,306,717.24	129,811,488,118.47	4.16%
QUEZON COCONUT BANK INC (A THRIFT BANK)	2,161,326.70	58,137,795.88	3.72%
MALAYAN BANK SAVINGS AND MORT BANK INC	36,634,758.07	1,081,422,213.27	3.39%
SAMPAGUITA SAVINGS BANK INC	1,800,000.00	56,198,308.44	3.20%
DUMAGUETE CITY DEV BANK INC	6,465,525.76	205,618,290.98	3.14%
CORDILLERA SAVINGS BANK INC	3,083,452.31	99,002,411.81	3.11%
COMSAVINGS BANK	9,647,517.34	336,787,294.99	2.86%
CENTURY SAVINGS BANK CORPORATION	25,268,571.26	908,388,275.05	2.78%
HSBC SAVINGS BANK(PHILS) INC	69,804,939.59	2,779,512,080.98	2.51%
JP MORGAN CHASE BANK, N.A.	49,806,836.38	2,112,614,494.20	2.36%
UNION BANK OF THE PHILIPPINES	824,058,522.19	40,873,093,422.58	2.02%
SECURITY BANK CORPORATION	607,869,887.20	38,031,802,693.36	1.60%
SECURITY BANK SAVINGS CORPORATION	17,508,046.01	1,103,700,790.10	1.59%
ANZ BANKING GROUP LTD.	40,856,863.31	2,638,076,062.74	1.55%
UNITED COCONUT PLANTERS BANK	211,740,377.44	20,469,896,934.55	1.03%
CHINA BANK SAVINGS INC	9,443,701.54	1,149,391,251.67	0.82%
CITIBANK, N.A.	57,222,193.52	7,307,790,974.29	0.78%
ASIA UNITED BANK CORPORATION	138,656,233.64	18,004,493,277.37	0.77%
CITY SAVINGS BANK INC	19,972,890.98	2,616,360,671.62	0.76%
STANDARD CHARTERED BANK	18,283,684.08	2,436,791,613.93	0.75%
RCBC SAVINGS BANK INC	55,088,794.31	7,446,561,848.19	0.74%
PHILIPPINE VETERANS BANK	50,381,699.74	7,274,715,194.50	0.69%
THE BANK OF TOKYO-MITSUBISHI UFJ LTD	14,071,754.90	2,045,511,752.87	0.69%
EQUICOM SAVINGS BANK INC	3,067,177.30	474,402,836.24	0.65%
TONG YANG SAVINGS BANK INC	2,018,073.12	370,323,576.74	0.54%
FIRST CONSOLIDATED BANK INC (A PDB)	10,678,937.29	1,984,315,768.51	0.54%
PHILIPPINE BANK OF COMMUNICATIONS	18,749,507.65	5,368,160,351.75	0.35%
UNIVERSITY SAVINGS BANK INC	697,280.10	213,182,990.10	0.33%
CHINATRUST (PHILS.) COMMERCIAL BANK CORPORATION	20,450,573.56	6,416,703,004.47	0.32%
BPI FAMILY SAVINGS BANK INC	39,713,085.42	17,933,631,550.55	0.22%
FARMERS SAVINGS & LOAN BANK INC	222,475.09	102,665,008.26	0.22%
BPI DIRECT SAVINGS BANK INC	1,266,315.76	872,759,218.43	0.15%
UCPB SAVINGS BANK	2,924,807.55	2,481,150,558.49	0.12%
KOREA EXCHANGE BANK	389,111.00	535,093,060.19	0.07%
MAYBANK PHILIPPINES, INC.	3,459,020.01	10,011,074,288.81	0.03%
ISLA BANK (A THRIFT BANK) INC	111,906.05	639,029,859.97	0.02%
UNITED OVERSEAS BANK PHILIPPINES	81,373.56	675,479,081.15	0.01%
AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILIPPINES	0.00	417,807,663.99	0.00%
ALLIED SAVINGS BANK	0.00	970,670,969.63	0.00%
BANGKOK BANK PUBLIC CO. LTD.	0.00	1,151,237,103.16	0.00%
BANK OF CHINA LIMITED-MANILA BRANCH	0.00	702,151,897.91	0.00%
BATAAN DEVELOPMENT BANK	0.00	67,429,814.21	0.00%
BATAAN SAVINGS AND LOAN BANK	0.00	75,794,949.19	0.00%
BDO ELITE SAVINGS BANK INC	0.00	1,587,282,037.51	0.00%
BDO PRIVATE BANK, INC.	0.00	5,876,167,394.59	0.00%
BPI GLOBE BANKO INC A SAVINGS BANK	0.00	347,672,013.20	0.00%
BUSINESS AND CONSUMERS BANK (A DB)	0.00	79,466,088.60	0.00%
CARD SME BANK INC A THRIFT BANK	0.00	225,355,623.11	0.00%
CITIBANK SAVINGS INC	0.00	1,505,092,916.36	0.00%
DEUTSCHE BANK AG	0.00	2,154,472,213.73	0.00%
DUNGGANON BANK (A MICROFINANCE THRIFT	0.00	84,752,873.74	0.00%
ENTERPRISE BANK INC (A THRIFT BANK)	0.00	190,206,158.92	0.00%
ILOILO CITY DEVELOPMENT BANK	0.00	72,516,124.72	0.00%
INTERNATIONALE NEDERLANDEN GROEP BK	0.00	2,978,631,660.50	0.00%
LEMERY SAVINGS & LOAN BANK, INC.	0.00	67,666,272.11	0.00%
MEGA INTERNATIONAL COMMERCIAL BANK CO., LTD.	0.00	690,973,487.79	0.00%
MERCHANTS SAVINGS & LOAN ASSOCIATION INC	0.00	518,764,567.97	0.00%
METRO CEBU PUBLIC SAVINGS BANK	0.00	64,176,816.41	0.00%
MICROFINANCE MAXIMUM SB INC	0.00	59,380,718.51	0.00%
MIZUHO CORPORATE BANK, LTD. - MANILA BRANCH	0.00	1,441,815,862.96	0.00%
NORTHPOINT DEVELOPMENT BANK INC	0.00	74,784,706.83	0.00%
PACIFIC ACE SAVINGS BANK INC	0.00	74,197,418.90	0.00%
PHILIPPINE RESOURCES SAVINGS BANKING	0.00	1,444,810,331.28	0.00%
PHILIPPINE TRUST COMPANY	0.00	19,325,487,937.77	0.00%
PRIDE STAR DEVELOPMENT BANK INC	0.00	69,952,802.55	0.00%
PROGRESS SAVINGS AND LOAN BANK INC	0.00	83,851,283.88	0.00%
SUN SAVINGS BANK INC	0.00	107,378,430.56	0.00%
THE REAL BANK (A THRIFT BANK) INC	0.00	954,716,904.11	0.00%
Grand Total	197,227,099,688.94	994,173,465,225.07	19.84%

Source: www.bsp.gov.ph

Banks often take pains to avoid DOSRI Loans from falling past due. Although bank policies often state that DOSRI Loans are made “substantially on the same terms as with other individuals and businesses of comparable risks.  (See Planters Development Bank Annual Report December 31, 2010). Loan underwriting standards should be tighter because a past due DOSRI loan reflects badly on the bank.    DOSRI Loans that fall past due are often:

1. Written off as soon as possible;
2. Refinanced or Restructured to become current (this requires Board of Directors Approval); or are
3. Technically reclassified as a general NPL (like if a loan to a former bank officer falls past due). 

As a result, Philippine Banks reported that Php 1.002 billion, or 0.51% of its DOSRI Loans fell past due as of June 30, 2013.  Of the seventy-three banks with DOSRI Loans, fifty-nine banks had zero past due DOSRI Loans.  Of the fourteen remaining banks  in this list, two banks had past due DOSRI Loans exceeding 30% of their Total DOSRI Loan Portfolio: 

1. Silangan Savings and Loan Bank, Inc. (100% of DOSRI Loans)
2. Dumaguete City Development Bank (40.21% of DOSRI Loans)

Philippine Banking System
DOSRI Past Due as % of DOSRI
June 30, 2013
	DOSRI Past Due	DOSRI	DOSRI Past Due/DOSRI
Bank	(In PHP)	(In PHP)	(In %)
SILANGAN SAVINGS & LOAN BANK INC	3,311,630.00	3,311,630.00	100.00%
DUMAGUETE CITY DEV BANK INC	2,600,000.00	6,465,525.76	40.21%
PHILIPPINE SAVINGS BANK	449,888,803.84	1,942,211,442.94	23.16%
RIZAL COMMERCIAL BANKING CORPORATION	525,232,692.59	4,658,123,451.79	11.28%
LIFE SAVINGS BANK INC	758,788.68	13,661,073.40	5.55%
UNITED COCONUT PLANTERS BANK	2,763,830.82	211,740,377.44	1.31%
CHINATRUST (PHILS.) COMMERCIAL BANK CORPORATION	91,960.18	20,450,573.56	0.45%
CITY SAVINGS BANK INC	66,277.24	19,972,890.98	0.33%
EAST WEST BANKING CORPORATION	3,460,367.50	1,745,038,048.76	0.20%
PHILIPPINE BANK OF COMMUNICATIONS	34,589.35	18,749,507.65	0.18%
BANK OF THE PHILIPPINE ISLANDS	5,184,798.94	6,619,308,956.91	0.08%
UNITED OVERSEAS BANK PHILIPPINES	38.00	81,373.56	0.05%
LAND BANK OF THE PHILIPPINES	7,600,000.00	66,321,985,094.91	0.01%
BDO UNIBANK, INC.	1,486,624.39	52,312,678,087.80	0.00%
UCPB SAVINGS BANK	4.00	2,924,807.55	0.00%
ANZ BANKING GROUP LTD.	0.00	40,856,863.31	0.00%
ASIA UNITED BANK CORPORATION	0.00	138,656,233.64	0.00%
BANK OF AMERICA, N.A.	0.00	39,924,436.18	0.00%
BANK OF COMMERCE	0.00	1,106,600,261.52	0.00%
BANK ONE SAVINGS AND TRUST CORP.	0.00	29,913,333.33	0.00%
BPI DIRECT SAVINGS BANK INC	0.00	1,266,315.76	0.00%
BPI FAMILY SAVINGS BANK INC	0.00	39,713,085.42	0.00%
CENTURY SAVINGS BANK CORPORATION	0.00	25,268,571.26	0.00%
CHINA BANK SAVINGS INC	0.00	9,443,701.54	0.00%
CHINA BANKING CORPORATION	0.00	11,984,056,914.40	0.00%
CITIBANK, N.A.	0.00	57,222,193.52	0.00%
CITYSTATE SAVINGS BANK INC	0.00	359,268,222.27	0.00%
COMSAVINGS BANK	0.00	9,647,517.34	0.00%
CORDILLERA SAVINGS BANK INC	0.00	3,083,452.31	0.00%
DEVELOPMENT BANK OF THE PHILIPPINES	0.00	33,400,111,455.15	0.00%
EQUICOM SAVINGS BANK INC	0.00	3,067,177.30	0.00%
FARMERS SAVINGS & LOAN BANK INC	0.00	222,475.09	0.00%
FIRST CONSOLIDATED BANK INC (A PDB)	0.00	10,678,937.29	0.00%
HIYAS BANKING CORPORATION	0.00	15,005,643.12	0.00%
HSBC SAVINGS BANK(PHILS) INC	0.00	69,804,939.59	0.00%
ISLA BANK (A THRIFT BANK) INC	0.00	111,906.05	0.00%
JP MORGAN CHASE BANK, N.A.	0.00	49,806,836.38	0.00%
KOREA EXCHANGE BANK	0.00	389,111.00	0.00%
LEGAZPI SAVINGS BANK, INC.	0.00	16,265,058.60	0.00%
LUZON DEVELOPMENT BANK	0.00	86,187,364.95	0.00%
MALASIQUI PROGRESSIVE SLB, INC	0.00	5,715,000.00	0.00%
MALAYAN BANK SAVINGS AND MORT BANK INC	0.00	36,634,758.07	0.00%
MARITIME SAVINGS BANK CORPORATION	0.00	4,168,450.00	0.00%
MAYBANK PHILIPPINES, INC.	0.00	3,459,020.01	0.00%
METROPOLITAN BANK & TRUST COMPANY	0.00	5,396,306,717.24	0.00%
OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE THRIFT BANK)	0.00	14,979,066.60	0.00%
OPTIMUM DEVELOPMENT BANK INC	0.00	66,002,292.95	0.00%
PAMPANGA DEVELOPMENT BANK	0.00	14,746,515.72	0.00%
PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC)	0.00	244,675,228.58	0.00%
PHILIPPINE BUSINESS BANK INC A SAVINGS	0.00	971,125,420.06	0.00%
PHILIPPINE NATIONAL BANK	0.00	3,875,270,945.94	0.00%
PHILIPPINE POSTAL SAVINGS BANK INC	0.00	125,151,565.55	0.00%
PHILIPPINE VETERANS BANK	0.00	50,381,699.74	0.00%
PLANTERS DEVELOPMENT BANK	0.00	666,191,696.20	0.00%
PRODUCERS SAVINGS BANK CORPORATION	0.00	59,345,619.71	0.00%
QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK	0.00	138,413,127.38	0.00%
QUEZON COCONUT BANK INC (A THRIFT BANK)	0.00	2,161,326.70	0.00%
RCBC SAVINGS BANK INC	0.00	55,088,794.31	0.00%
ROBINSONS BANK CORPORATION	0.00	1,064,636,089.05	0.00%
SAMPAGUITA SAVINGS BANK INC	0.00	1,800,000.00	0.00%
SECURITY BANK CORPORATION	0.00	607,869,887.20	0.00%
SECURITY BANK SAVINGS CORPORATION	0.00	17,508,046.01	0.00%
STANDARD CHARTERED BANK	0.00	18,283,684.08	0.00%
STERLING BANK OF ASIA INC (A SAVINGS BANK)	0.00	841,586,070.57	0.00%
THE BANK OF TOKYO-MITSUBISHI UFJ LTD	0.00	14,071,754.90	0.00%
THE HONGKONG & SHANGHAI BANKING CORPORATION	0.00	460,791,763.14	0.00%
TONG YANG SAVINGS BANK INC	0.00	2,018,073.12	0.00%
TOWER DEVELOPMENT BANK	0.00	16,464,220.95	0.00%
UNION BANK OF THE PHILIPPINES	0.00	824,058,522.19	0.00%
UNIVERSITY SAVINGS BANK INC	0.00	697,280.10	0.00%
VILLAGE BANK INC (A THRIFT BANK)	0.00	40,811,545.89	0.00%
WEALTH DEVELOPMENT BANK CORPORATION	0.00	89,127,655.50	0.00%
WORLD PARTNERS BANK (A THRIFT BANK)	0.00	104,283,002.15	0.00%
AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILIPPINES	0.00	0.00	NA
ALLIED SAVINGS BANK	0.00	0.00	NA
BANGKOK BANK PUBLIC CO. LTD.	0.00	0.00	NA
BANK OF CHINA LIMITED-MANILA BRANCH	0.00	0.00	NA
BATAAN DEVELOPMENT BANK	0.00	0.00	NA
BATAAN SAVINGS AND LOAN BANK	0.00	0.00	NA
BDO ELITE SAVINGS BANK INC	0.00	0.00	NA
BDO PRIVATE BANK, INC.	0.00	0.00	NA
BPI GLOBE BANKO INC A SAVINGS BANK	0.00	0.00	NA
BUSINESS AND CONSUMERS BANK (A DB)	0.00	0.00	NA
CARD SME BANK INC A THRIFT BANK	0.00	0.00	NA
CITIBANK SAVINGS INC	0.00	0.00	NA
DEUTSCHE BANK AG	0.00	0.00	NA
DUNGGANON BANK (A MICROFINANCE THRIFT	0.00	0.00	NA
ENTERPRISE BANK INC (A THRIFT BANK)	0.00	0.00	NA
ILOILO CITY DEVELOPMENT BANK	0.00	0.00	NA
INTERNATIONALE NEDERLANDEN GROEP BK	0.00	0.00	NA
LEMERY SAVINGS & LOAN BANK, INC.	0.00	0.00	NA
MEGA INTERNATIONAL COMMERCIAL BANK CO., LTD.	0.00	0.00	NA
MERCHANTS SAVINGS & LOAN ASSOCIATION INC	0.00	0.00	NA
METRO CEBU PUBLIC SAVINGS BANK	0.00	0.00	NA
MICROFINANCE MAXIMUM SB INC	0.00	0.00	NA
MIZUHO CORPORATE BANK, LTD. - MANILA BRANCH	0.00	0.00	NA
NORTHPOINT DEVELOPMENT BANK INC	0.00	0.00	NA
PACIFIC ACE SAVINGS BANK INC	0.00	0.00	NA
PHILIPPINE RESOURCES SAVINGS BANKING	0.00	0.00	NA
PHILIPPINE TRUST COMPANY	0.00	0.00	NA
PRIDE STAR DEVELOPMENT BANK INC	0.00	0.00	NA
PROGRESS SAVINGS AND LOAN BANK INC	0.00	0.00	NA
SUN SAVINGS BANK INC	0.00	0.00	NA
THE REAL BANK (A THRIFT BANK) INC	0.00	0.00	NA
Grand Total	1,002,480,405.53	197,227,099,688.94	0.51%

Source: www.bsp.gov.ph