Citibank Savings takes the Bronze in NPLs as a % of Stockholder's Equity as of September 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.  Banks highlighted in red are classified as failed banks.  The level of distress is measured by the Ratio of their Total Distressed Assets/Total Capital Cushion as of September 30, 2013.  See a previous blog post: "Philippine Banks Deteriorate in the 3rd 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 129.096 billion as of September 30, 2013 - approximately 2.93% of the Philippine Banking Industry's Total Loan Portfolio of Php 4.413 trillion.

Philippine Banking System
NPL as % of TLP
September 30, 2013
	Gross NPLs	Gross TLP	Gross NPL/ Gross TLP
Bank	(In Php)	(In Php)	(In %)
UNITED OVERSEAS BANK PHILIPPINES	664,875,061.65	731,608,403.67	90.88%
THE REAL BANK (A THRIFT BANK) INC	3,676,265,796.17	4,978,537,694.59	73.84%
COMSAVINGS BANK	180,956,095.42	268,201,040.29	67.47%
SILANGAN SAVINGS & LOAN BANK INC	19,342,509.99	35,761,209.04	54.09%
SAMPAGUITA SAVINGS BANK INC	24,566,592.56	51,549,037.82	47.66%
MALASIQUI PROGRESSIVE SLB, INC	17,567,906.25	50,946,045.25	34.48%
OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE THRIFT BANK)	86,081,823.47	287,360,709.86	29.96%
CITIBANK SAVINGS INC	2,725,163,565.91	9,185,542,419.46	29.67%
PRIDE STAR DEVELOPMENT BANK INC	8,634,935.83	35,384,598.67	24.40%
NORTHPOINT DEV'T BANK INC	41,343,785.62	180,308,528.05	22.93%
PAMPANGA DEVELOPMENT BANK	40,236,948.19	198,544,291.67	20.27%
BATAAN DEVELOPMENT BANK	35,501,329.21	175,581,092.99	20.22%
PACIFIC ACE SAVINGS BANK INC	5,392,641.51	29,505,314.84	18.28%
QUEZON COCONUT BANK INC (A THRIFT BANK)	6,021,526.16	34,634,087.32	17.39%
FARMERS SAVINGS & LOAN BANK INC	41,146,586.00	244,614,893.71	16.82%
DUNGGANON BANK (A MICROFINANCE THRIFT	19,265,232.54	114,949,000.67	16.76%
ALLIED SAVINGS BANK	427,675,246.13	2,626,352,051.65	16.28%
BPI GLOBE BANKO INC A SAVINGS BANK	184,972,059.46	1,145,844,317.78	16.14%
WORLD PARTNERS BANK (A THRIFT BANK)	88,154,241.39	574,327,994.96	15.35%
PROGRESS SAVINGS AND LOAN BANK INC	1,239,886.20	8,269,162.84	14.99%
HIYAS BANKING CORPORATION	31,733,803.62	216,882,580.88	14.63%
LIFE SAVINGS BANK INC	11,066,411.65	76,210,673.04	14.52%
MARITIME SAVINGS BANK CORPORATION	21,081,945.79	146,955,415.76	14.35%
TONG YANG SAVINGS BANK INC	117,167,791.14	839,420,530.62	13.96%
LEMERY SAVINGS & LOAN BANK, INC.	8,615,082.76	61,979,069.82	13.90%
SECURITY BANK SAVINGS CORPORATION	771,924,973.74	6,086,741,509.34	12.68%
UNIVERSITY SAVINGS BANK INC	56,256,741.84	463,100,057.73	12.15%
LUZON DEVELOPMENT BANK	219,963,748.95	1,936,710,599.67	11.36%
BUSINESS AND CONSUMERS BANK (A DB)	16,543,047.39	146,660,811.28	11.28%
METRO CEBU PUBLIC SAVINGS BANK	9,259,450.09	89,395,159.25	10.36%
CORDILLERA SAVINGS BANK INC	16,690,807.03	167,309,724.25	9.98%
PLANTERS DEVELOPMENT BANK	3,305,372,801.44	33,482,066,490.32	9.87%
PHILIPPINE POSTAL SAVINGS BANK INC	365,776,413.52	3,882,945,407.58	9.42%
CENTURY SAVINGS BANK CORPORATION	40,262,101.54	457,935,148.75	8.79%
BANK OF COMMERCE	4,016,356,222.98	48,492,771,459.94	8.28%
UNION BANK OF THE PHILIPPINES	9,281,609,151.50	112,833,568,252.26	8.23%
PHIL BANK OF COMMUNICATIONS	1,331,723,088.72	16,222,541,162.71	8.21%
ENTERPRISE BANK INC (A THRIFT BANK)	121,575,888.04	1,510,326,749.74	8.05%
PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC)	90,697,987.61	1,178,567,716.62	7.70%
MALAYAN BANK SAVINGS AND MORT BANK INC	307,337,266.81	4,029,207,267.57	7.63%
VILLAGE BANK INC (A THRIFT BANK)	26,309,046.44	358,877,921.90	7.33%
ILOILO CITY DEVELOPMENT BANK	24,049,605.18	330,012,900.21	7.29%
BATAAN SAVINGS AND LOAN BANK	2,770,214.85	40,036,035.35	6.92%
PHILIPPINE RESOURCES SAVINGS BANKING	530,093,760.55	7,821,914,239.78	6.78%
UNITED COCONUT PLANTERS BANK	5,741,683,988.58	89,272,496,231.11	6.43%
PHILIPPINE VETERANS BANK	1,126,133,863.31	17,601,015,022.04	6.40%
EQUICOM SAVINGS BANK INC	226,206,776.15	3,631,689,578.74	6.23%
FIRST CONSOLIDATED BANK INC (A PDB)	439,534,380.11	7,163,649,803.19	6.14%
MICROFINANCE MAXIMUM SB INC	1,195,287.06	19,799,835.14	6.04%
THE PALAWAN BANK (PALAWAN DB) INC	12,816,840.35	215,128,911.52	5.96%
DUMAGUETE CITY DEVELOPMENT BANK INC	27,051,197.57	475,107,236.29	5.69%
EAST WEST BANKING CORP	4,729,518,467.90	84,479,884,572.44	5.60%
STERLING BANK OF ASIA INC (A SAVINGS BANK)	782,703,074.20	14,380,065,568.30	5.44%
TOWER DEVELOPMENT BANK	9,855,607.32	181,133,474.17	5.44%
PRODUCERS SAVINGS BANK CORPORATION	202,521,421.54	4,071,337,194.08	4.97%
RCBC SAVINGS BANK INC	2,058,816,470.70	41,808,581,887.27	4.92%
DEVELOPMENT BANK OF THE PHILIPPINES	5,747,728,689.61	117,574,075,921.92	4.89%
WEALTH DEVELOPMENT BANK CORPORATION	127,076,803.11	2,650,791,899.66	4.79%
BANK ONE SAVINGS AND TRUST CORP.	20,076,854.81	464,990,973.73	4.32%
INTER-ASIA DEVELOPMENT BANK	3,346,585.72	83,497,079.79	4.01%
PHILIPPINE NATIONAL BANK	10,326,705,113.23	268,635,875,164.58	3.84%
ASIA UNITED BANK CORPORATION	1,484,724,998.75	38,978,029,840.45	3.81%
PHILIPPINE SAVINGS BANK	3,746,195,124.94	101,590,703,379.20	3.69%
QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK	32,495,043.40	914,165,181.69	3.55%
SUN SAVINGS BANK INC	6,245,559.79	184,878,494.81	3.38%
BPI FAMILY SAVINGS BANK INC	4,587,952,154.71	137,874,431,676.90	3.33%
CITYSTATE SAVINGS BANK INC	47,071,949.74	1,469,881,372.90	3.20%
LAND BANK OF THE PHILIPPINES	9,217,532,081.02	295,338,114,658.94	3.12%
MAYBANK PHILIPPINES INC	1,086,048,088.92	36,116,107,811.04	3.01%
UCPB SAVINGS BANK	238,181,901.40	8,152,844,932.12	2.92%
CHINA BANK SAVINGS INC	226,221,032.39	7,813,729,413.81	2.90%
BDO UNIBANK INC	22,361,024,360.61	843,034,478,430.09	2.65%
PHILIPPINE TRUST COMPANY	1,147,542,163.55	43,457,017,210.53	2.64%
MERCHANTS SAVINGS & LOAN ASSOCIATION INC	3,144,449.34	119,332,319.88	2.64%
PHILIPPINE BUSINESS BANK INC A SAVINGS	713,515,607.33	27,298,860,855.14	2.61%
STANDARD CHARTERED BANK	1,073,584,225.34	41,342,713,683.08	2.60%
CARD SME BANK INC A THRIFT BANK	18,325,325.68	764,673,893.11	2.40%
CHINA BANKING CORPORATION	4,718,030,496.01	201,836,084,918.53	2.34%
RIZAL COMMERCIAL BANKING CORP	3,813,174,399.56	168,112,434,098.62	2.27%
ROBINSONS BANK CORPORATION	426,874,861.97	20,153,965,499.26	2.12%
BPI DIRECT SAVINGS BANK INC	154,650,566.46	8,293,182,600.53	1.86%
CTBC BANK (PHILIPPINES) CORPORATION	293,736,854.58	16,154,455,321.39	1.82%
BANK OF THE PHILIPPINE ISLANDS	7,459,301,933.47	421,570,051,351.20	1.77%
OPTIMUM DEVELOPMENT BANK INC	13,837,575.70	802,589,191.60	1.72%
HONGKONG & SHANGHAI BANKING CORPORATION	719,591,328.75	45,541,156,083.99	1.58%
CITY SAVINGS BANK INC	248,807,968.00	21,589,194,332.45	1.15%
HSBC SAVINGS BANK (PHILS) INC	130,672,215.76	12,704,549,062.69	1.03%
KOREA EXCHANGE BANK	41,519,190.16	4,416,241,993.27	0.94%
METROPOLITAN BANK & TRUST CO	2,923,573,649.37	480,072,113,533.67	0.61%
CITIBANK, N.A.	790,687,359.90	137,149,789,868.96	0.58%
SECURITY BANK CORPORATION	740,210,526.40	163,819,942,918.80	0.45%
AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS	1,156,048.97	335,372,448.56	0.34%
ANZ BANKING GROUP LTD	23,339,114.85	23,488,749,268.73	0.10%
BANGKOK BANK PUBLIC CO LTD	5,034,155.55	6,805,870,784.29	0.07%
JP MORGAN CHASE BANK NATIONAL ASSOCIATION	734,885.22	26,458,182,809.16	0.00%
INTERNATIONALE NEDERLANDEN GROEP BK	89.08	31,940,097,811.71	0.00%
BANK OF AMERICA N.A.	4.00	3,840,623,862.00	0.00%
BANK OF CHINA LIMITED-MANILA BRANCH	0.00	5,065,720,584.74	0.00%
BDO ELITE SAVINGS BANK INC	0.00	967,000,000.00	0.00%
BDO PRIVATE BANK, INC.	0.00	8,386,460,379.66	0.00%
DEUTSCHE BANK AG	0.00	41,113,071,770.08	0.00%
ISLA BANK (A THRIFT BANK) INC	0.00	571,440,192.20	0.00%
MEGA INTERNATIONAL COMMERCIAL BANK CO LTD	0.00	7,755,835,435.09	0.00%
MIZUHO BANK LTD - MANILA BRANCH	0.00	24,270,931,939.65	0.00%
THE BANK OF TOKYO-MITSUBISHI UFJ LTD	0.00	30,418,683,838.02	0.00%
Grand Total	129,096,349,834.78	4,412,622,834,186.01	2.93%

Source: www.bsp.gov.ph

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

1. United Overseas Bank Philippines (90.88% of TLP)
2. The Real Bank (73.84% of TLP)
3. Comsavings Bank (67.47% of TLP)
4. Silangan Savings and Loan Bank, Inc. (54.09% of TLP)
5. Sampaguita Savings Bank Inc. (47.66% of TLP)
6. Malasiqui Progressive SLB, Inc. (34.48% of TLP)

Of these banks, two banks are considered distressed:

1. Comsavings Bank (formerly GSIS Family Bank)
2. The Real Bank

And one bank failed: (See previous blog post: http://bancofilipinofailure.blogspot.com/2014/01/a-short-analysis-of-recent-bank.html)

1. 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 will most likely 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 Banks amounted to 12.78% of Stockholders Equity as of September 30, 2013.

Philippine Banking System
NPL as % of SE
September 30, 2013
	NPL	SE	NPL/SE
Bank	(In PHP)	(In PHP)	(In %)
THE REAL BANK (A THRIFT BANK) INC	3,676,265,796.17	760,367,463.02	483.49%
SILANGAN SAVINGS & LOAN BANK INC	19,342,509.99	10,025,580.13	192.93%
CITIBANK SAVINGS INC	2,725,163,565.91	1,574,388,139.34	173.09%
OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE THRIFT BANK)	86,081,823.47	74,291,602.90	115.87%
PLANTERS DEVELOPMENT BANK	3,305,372,801.44	3,133,227,648.33	105.49%
UNITED OVERSEAS BANK PHILIPPINES	664,875,061.65	653,858,984.70	101.68%
WORLD PARTNERS BANK (A THRIFT BANK)	88,154,241.39	104,831,569.74	84.09%
SECURITY BANK SAVINGS CORPORATION	771,924,973.74	1,095,151,496.40	70.49%
ENTERPRISE BANK INC (A THRIFT BANK)	121,575,888.04	189,654,635.05	64.10%
COMSAVINGS BANK	180,956,095.42	290,532,377.98	62.28%
BPI GLOBE BANKO INC A SAVINGS BANK	184,972,059.46	326,013,506.53	56.74%
NORTHPOINT DEV'T BANK INC	41,343,785.62	76,016,688.85	54.39%
BATAAN DEVELOPMENT BANK	35,501,329.21	65,886,982.35	53.88%
PHILIPPINE POSTAL SAVINGS BANK INC	365,776,413.52	679,474,343.21	53.83%
THE PALAWAN BANK (PALAWAN DB) INC	12,816,840.35	24,105,699.34	53.17%
LUZON DEVELOPMENT BANK	219,963,748.95	422,992,285.10	52.00%
STERLING BANK OF ASIA INC (A SAVINGS BANK)	782,703,074.20	1,668,574,318.71	46.91%
EQUICOM SAVINGS BANK INC	226,206,776.15	486,433,820.41	46.50%
SAMPAGUITA SAVINGS BANK INC	24,566,592.56	55,513,886.63	44.25%
ALLIED SAVINGS BANK	427,675,246.13	972,514,395.43	43.98%
PAMPANGA DEVELOPMENT BANK	40,236,948.19	106,022,568.94	37.95%
FARMERS SAVINGS & LOAN BANK INC	41,146,586.00	112,083,965.94	36.71%
STANDARD CHARTERED BANK	1,073,584,225.34	2,965,820,722.31	36.20%
VILLAGE BANK INC (A THRIFT BANK)	26,309,046.44	73,694,723.45	35.70%
PHILIPPINE RESOURCES SAVINGS BANKING	530,093,760.55	1,527,666,933.73	34.70%
PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC)	90,697,987.61	266,219,853.55	34.07%
MALASIQUI PROGRESSIVE SLB, INC	17,567,906.25	54,435,015.90	32.27%
MARITIME SAVINGS BANK CORPORATION	21,081,945.79	66,310,245.43	31.79%
WEALTH DEVELOPMENT BANK CORPORATION	127,076,803.11	401,547,654.84	31.65%
ILOILO CITY DEVELOPMENT BANK	24,049,605.18	76,402,736.36	31.48%
TONG YANG SAVINGS BANK INC	117,167,791.14	389,060,296.20	30.12%
MALAYAN BANK SAVINGS AND MORT BANK INC	307,337,266.81	1,081,058,516.12	28.43%
RCBC SAVINGS BANK INC	2,058,816,470.70	7,385,685,863.54	27.88%
UNITED COCONUT PLANTERS BANK	5,741,683,988.58	20,746,333,625.69	27.68%
UNIVERSITY SAVINGS BANK INC	56,256,741.84	211,977,767.06	26.54%
BPI FAMILY SAVINGS BANK INC	4,587,952,154.71	17,392,299,117.83	26.38%
BANK OF COMMERCE	4,016,356,222.98	15,518,003,350.98	25.88%
PHIL BANK OF COMMUNICATIONS	1,331,723,088.72	5,172,743,757.18	25.75%
EAST WEST BANKING CORP	4,729,518,467.90	18,780,806,566.60	25.18%
UNION BANK OF THE PHILIPPINES	9,281,609,151.50	40,225,927,291.79	23.07%
DUNGGANON BANK (A MICROFINANCE THRIFT	19,265,232.54	84,133,843.30	22.90%
PHILIPPINE SAVINGS BANK	3,746,195,124.94	16,615,065,526.25	22.55%
FIRST CONSOLIDATED BANK INC (A PDB)	439,534,380.11	2,060,481,532.50	21.33%
CHINA BANK SAVINGS INC	226,221,032.39	1,082,493,058.81	20.90%
BUSINESS AND CONSUMERS BANK (A DB)	16,543,047.39	81,435,262.58	20.31%
HIYAS BANKING CORPORATION	31,733,803.62	159,014,472.02	19.96%
PRODUCERS SAVINGS BANK CORPORATION	202,521,421.54	1,173,120,829.04	17.26%
LIFE SAVINGS BANK INC	11,066,411.65	64,886,737.17	17.05%
BPI DIRECT SAVINGS BANK INC	154,650,566.46	927,369,890.78	16.68%
CORDILLERA SAVINGS BANK INC	16,690,807.03	101,030,080.16	16.52%
PHILIPPINE VETERANS BANK	1,126,133,863.31	6,992,435,561.67	16.11%
METRO CEBU PUBLIC SAVINGS BANK	9,259,450.09	63,907,837.08	14.49%
DEVELOPMENT BANK OF THE PHILIPPINES	5,747,728,689.61	40,032,419,521.04	14.36%
BDO UNIBANK INC	22,361,024,360.61	161,661,538,506.02	13.83%
PHILIPPINE NATIONAL BANK	10,326,705,113.23	76,832,904,546.38	13.44%
DUMAGUETE CITY DEVELOPMENT BANK INC	27,051,197.57	207,683,079.52	13.03%
LEMERY SAVINGS & LOAN BANK, INC.	8,615,082.76	68,438,323.19	12.59%
LAND BANK OF THE PHILIPPINES	9,217,532,081.02	74,177,444,655.41	12.43%
HONGKONG & SHANGHAI BANKING CORPORATION	719,591,328.75	5,814,019,507.53	12.38%
PRIDE STAR DEVELOPMENT BANK INC	8,634,935.83	69,970,467.36	12.34%
CHINA BANKING CORPORATION	4,718,030,496.01	41,068,572,860.31	11.49%
MAYBANK PHILIPPINES INC	1,086,048,088.92	10,140,595,987.28	10.71%
CITIBANK, N.A.	790,687,359.90	7,472,192,198.87	10.58%
QUEZON COCONUT BANK INC (A THRIFT BANK)	6,021,526.16	58,237,618.64	10.34%
PHILIPPINE BUSINESS BANK INC A SAVINGS	713,515,607.33	7,262,313,325.38	9.82%
UCPB SAVINGS BANK	238,181,901.40	2,567,896,185.64	9.28%
TOWER DEVELOPMENT BANK	9,855,607.32	110,445,201.58	8.92%
CITY SAVINGS BANK INC	248,807,968.00	2,910,703,059.42	8.55%
ASIA UNITED BANK CORPORATION	1,484,724,998.75	17,857,415,118.55	8.31%
RIZAL COMMERCIAL BANKING CORP	3,813,174,399.56	46,084,616,203.42	8.27%
ROBINSONS BANK CORPORATION	426,874,861.97	5,351,042,759.62	7.98%
CARD SME BANK INC A THRIFT BANK	18,325,325.68	237,063,154.84	7.73%
BANK OF THE PHILIPPINE ISLANDS	7,459,301,933.47	101,513,950,073.79	7.35%
PACIFIC ACE SAVINGS BANK INC	5,392,641.51	74,921,481.62	7.20%
KOREA EXCHANGE BANK	41,519,190.16	594,713,419.54	6.98%
INTER-ASIA DEVELOPMENT BANK	3,346,585.72	52,621,713.94	6.36%
CITYSTATE SAVINGS BANK INC	47,071,949.74	790,545,549.10	5.95%
SUN SAVINGS BANK INC	6,245,559.79	108,751,688.11	5.74%
PHILIPPINE TRUST COMPANY	1,147,542,163.55	20,331,893,875.73	5.64%
QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK	32,495,043.40	656,057,455.54	4.95%
HSBC SAVINGS BANK (PHILS) INC	130,672,215.76	2,844,445,241.76	4.59%
CTBC BANK (PHILIPPINES) CORPORATION	293,736,854.58	6,445,548,838.27	4.56%
CENTURY SAVINGS BANK CORPORATION	40,262,101.54	911,189,647.34	4.42%
BATAAN SAVINGS AND LOAN BANK	2,770,214.85	71,221,347.13	3.89%
BANK ONE SAVINGS AND TRUST CORP.	20,076,854.81	540,089,692.66	3.72%
MICROFINANCE MAXIMUM SB INC	1,195,287.06	53,366,623.19	2.24%
METROPOLITAN BANK & TRUST CO	2,923,573,649.37	132,913,338,941.49	2.20%
OPTIMUM DEVELOPMENT BANK INC	13,837,575.70	718,776,831.06	1.93%
SECURITY BANK CORPORATION	740,210,526.40	40,439,589,096.64	1.83%
PROGRESS SAVINGS AND LOAN BANK INC	1,239,886.20	83,394,670.11	1.49%
ANZ BANKING GROUP LTD	23,339,114.85	3,033,597,583.83	0.77%
MERCHANTS SAVINGS & LOAN ASSOCIATION INC	3,144,449.34	506,500,666.78	0.62%
BANGKOK BANK PUBLIC CO LTD	5,034,155.55	1,160,083,398.87	0.43%
AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS	1,156,048.97	406,949,575.79	0.28%
JP MORGAN CHASE BANK NATIONAL ASSOCIATION	734,885.22	2,148,653,104.95	0.03%
INTERNATIONALE NEDERLANDEN GROEP BK	89.08	3,132,011,905.89	0.00%
BANK OF AMERICA N.A.	4.00	596,946,705.20	0.00%
BANK OF CHINA LIMITED-MANILA BRANCH	0.00	731,115,002.59	0.00%
BDO ELITE SAVINGS BANK INC	0.00	1,600,883,444.68	0.00%
BDO PRIVATE BANK, INC.	0.00	6,254,571,149.37	0.00%
DEUTSCHE BANK AG	0.00	2,210,540,126.62	0.00%
ISLA BANK (A THRIFT BANK) INC	0.00	640,603,002.19	0.00%
MEGA INTERNATIONAL COMMERCIAL BANK CO LTD	0.00	716,962,280.46	0.00%
MIZUHO BANK LTD - MANILA BRANCH	0.00	1,418,575,146.28	0.00%
THE BANK OF TOKYO-MITSUBISHI UFJ LTD	0.00	2,202,443,873.38	0.00%
Grand Total	129,096,349,834.78	1,010,513,696,062.85	12.78%

Source: www.bsp.gov.ph

Of the 105 banks in this list, thirty-one have a Gross NPL to Stockholders Equity Ratio of 30% or more.  These banks are as follows:

1. The Real Bank (483.49% of SE)
2. Silangan Savings and Loan Bank, Inc. (192.93% of SE)
3. Citibank Savings Inc. (173.09% of SE)
4. Opportunity Kauswagan Bank, Inc. (115.87% of SE)
5. Planters Development Bank (105.49% of SE)
6. United Overseas Bank Philippines (101.68% of SE)
7. World Partners Bank (84.09% of SE)
8. Security Bank Savings Corporation (70.49% of SE)
9. Enterprise Bank Inc. (64.10% of SE)
10. Comsavings Bank (62.28% of SE)
11. BPI Globe Banko Inc. (56.74% of SE)
12. Northpoint Development Bank (54.39% of SE)
13. Bataan Development Bank (53.88% of SE)
14. Philippine Postal Savings Bank (53.83% of SE)
15. The Palawan Bank (53.17% of SE) 
16. Luzon Development Bank (52.00% of SE) 
17. Sterling Bank of Asia, Inc. (46.91% of SE) 
18. Equicom Savings Bank Inc. (46.50% of SE) 
19. Sampaguita Savings (44.25% of SE) 
20. Allied Savings Bank (43.98% of SE) 
21. Pampanga Development Bank (37.95% of SE) 
22. Farmers Savings & Loan Bank Inc. (36.71% of SE)
23. Standard Chartered Bank (36.20% of SE) 
24. Village Bank Inc. (35.70% of SE) 
25. Philippine Resources Savings Banking Corporation (34.70% of SE) 
26. Penbank Inc. (34.07% of SE)
27. Malasiqui Savings Bank Corporation (32.27% of SE) 
28. Maritime Savings Bank Corporation (31.79% of SE)
29. Wealth Development Bank Corporation (31.65% of SE)
30. Iloilo City Development Bank (31.48% of SE) 
31. Tong Yang Savings Bank Inc. (30.12% of SE)

Another indicator of a bank's financial health is the level of DOSRI Loans (Loans made by the bank to related parties such as Directors, Officers, Stockholders, and Related Interests) 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 4.25% of their Total Loan Portfolio as of September 30, 2013.  Of the 105 banks, twenty-nine banks reported having no DOSRI Loans.  Of the seventy-six banks with DOSRI Loans, thirty-five banks had DOSRI Loans that made up less than 1% of their Total Loan Portfolios.  However, eight banks had DOSRI Loans that comprised more than 15% of their Total Loan Portfolios.  They are as follows:

1. Development Bank of the Philippines (25.56% of TLP)
2. Citystate Savings Bank Inc. (24.21% of TLP)
3. Land Bank of the Philippines (22.06% of TLP)
4. Queen City Development Bank (19.43% of TLP)
5. Penbank Inc. (19.09% of TLP)
6. Life Savings Bank Inc. (15.79% of TLP)
7. Inter-Asia Development Bank (15.67% of TLP)
8. World Partners Bank (15.57% of TLP)

Philippine Banking System
DOSRI as % of TLP
September 30, 2013
	DOSRI	TLP	DOSRI/TLP
Bank	(In Php)	(In PHP)	(In %)
DEVELOPMENT BANK OF THE PHILIPPINES	30,046,932,616.42	117,574,075,921.92	25.56%
CITYSTATE SAVINGS BANK INC	355,838,461.88	1,469,881,372.90	24.21%
LAND BANK OF THE PHILIPPINES	65,159,700,063.26	295,338,114,658.94	22.06%
QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK	177,654,600.29	914,165,181.69	19.43%
PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC)	224,986,937.01	1,178,567,716.62	19.09%
LIFE SAVINGS BANK INC	12,036,012.19	76,210,673.04	15.79%
INTER-ASIA DEVELOPMENT BANK	13,084,053.55	83,497,079.79	15.67%
WORLD PARTNERS BANK (A THRIFT BANK)	89,407,251.37	574,327,994.96	15.57%
VILLAGE BANK INC (A THRIFT BANK)	40,789,050.67	358,877,921.90	11.37%
TOWER DEVELOPMENT BANK	20,577,536.72	181,133,474.17	11.36%
SILANGAN SAVINGS & LOAN BANK INC	3,311,630.00	35,761,209.04	9.26%
QUEZON COCONUT BANK INC (A THRIFT BANK)	3,115,375.58	34,634,087.32	9.00%
PAMPANGA DEVELOPMENT BANK	14,725,160.22	198,544,291.67	7.42%
OPTIMUM DEVELOPMENT BANK INC	57,994,099.42	802,589,191.60	7.23%
HIYAS BANKING CORPORATION	14,338,226.39	216,882,580.88	6.61%
STERLING BANK OF ASIA INC (A SAVINGS BANK)	938,592,633.66	14,380,065,568.30	6.53%
BANK ONE SAVINGS AND TRUST CORP.	29,960,000.00	464,990,973.73	6.44%
BDO UNIBANK INC	52,862,392,226.43	843,034,478,430.09	6.27%
CENTURY SAVINGS BANK CORPORATION	26,662,101.57	457,935,148.75	5.82%
OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE THRIFT BANK)	13,805,271.15	287,360,709.86	4.80%
LUZON DEVELOPMENT BANK	92,044,659.72	1,936,710,599.67	4.75%
PHILIPPINE BUSINESS BANK INC A SAVINGS	1,211,819,272.95	27,298,860,855.14	4.44%
COMSAVINGS BANK	11,418,643.61	268,201,040.29	4.26%
ROBINSONS BANK CORPORATION	807,337,756.03	20,153,965,499.26	4.01%
RIZAL COMMERCIAL BANKING CORP	6,182,387,240.95	168,112,434,098.62	3.68%
CHINA BANKING CORPORATION	6,981,847,061.85	201,836,084,918.53	3.46%
SUN SAVINGS BANK INC	6,150,546.57	184,878,494.81	3.33%
PHILIPPINE POSTAL SAVINGS BANK INC	119,688,839.90	3,882,945,407.58	3.08%
MARITIME SAVINGS BANK CORPORATION	4,063,904.01	146,955,415.76	2.77%
BANK OF COMMERCE	1,106,359,705.94	48,492,771,459.94	2.28%
CORDILLERA SAVINGS BANK INC	3,688,481.13	167,309,724.25	2.20%
PLANTERS DEVELOPMENT BANK	716,806,414.91	33,482,066,490.32	2.14%
PHILIPPINE SAVINGS BANK	2,001,570,415.77	101,590,703,379.20	1.97%
PRODUCERS SAVINGS BANK CORPORATION	69,345,619.71	4,071,337,194.08	1.70%
BANK OF THE PHILIPPINE ISLANDS	6,532,594,476.35	421,570,051,351.20	1.55%
WEALTH DEVELOPMENT BANK CORPORATION	39,745,607.51	2,650,791,899.66	1.50%
PHILIPPINE NATIONAL BANK	3,881,951,127.87	268,635,875,164.58	1.45%
MALASIQUI PROGRESSIVE SLB, INC	700,000.00	50,946,045.25	1.37%
DUMAGUETE CITY DEVELOPMENT BANK INC	6,268,175.38	475,107,236.29	1.32%
EAST WEST BANKING CORP	924,052,547.04	84,479,884,572.44	1.09%
BANK OF AMERICA N.A.	39,426,092.76	3,840,623,862.00	1.03%
HONGKONG & SHANGHAI BANKING CORPORATION	438,397,504.39	45,541,156,083.99	0.96%
THE PALAWAN BANK (PALAWAN DB) INC	2,038,934.73	215,128,911.52	0.95%
MALAYAN BANK SAVINGS AND MORT BANK INC	36,585,233.80	4,029,207,267.57	0.91%
METROPOLITAN BANK & TRUST CO	4,103,934,455.63	480,072,113,533.67	0.85%
UNION BANK OF THE PHILIPPINES	882,527,982.59	112,833,568,252.26	0.78%
HSBC SAVINGS BANK (PHILS) INC	67,681,085.60	12,704,549,062.69	0.53%
ASIA UNITED BANK CORPORATION	127,545,406.97	38,978,029,840.45	0.33%
SECURITY BANK SAVINGS CORPORATION	18,099,828.53	6,086,741,509.34	0.30%
SECURITY BANK CORPORATION	482,324,171.16	163,819,942,918.80	0.29%
PHILIPPINE VETERANS BANK	50,254,820.35	17,601,015,022.04	0.29%
UNITED COCONUT PLANTERS BANK	224,191,665.29	89,272,496,231.11	0.25%
TONG YANG SAVINGS BANK INC	1,925,209.58	839,420,530.62	0.23%
JP MORGAN CHASE BANK NATIONAL ASSOCIATION	48,313,607.61	26,458,182,809.16	0.18%
ANZ BANKING GROUP LTD	36,259,879.10	23,488,749,268.73	0.15%
RCBC SAVINGS BANK INC	55,852,581.38	41,808,581,887.27	0.13%
CTBC BANK (PHILIPPINES) CORPORATION	20,743,139.56	16,154,455,321.39	0.13%
CHINA BANK SAVINGS INC	9,810,665.67	7,813,729,413.81	0.13%
PHIL BANK OF COMMUNICATIONS	20,343,428.84	16,222,541,162.71	0.13%
FIRST CONSOLIDATED BANK INC (A PDB)	7,921,274.00	7,163,649,803.19	0.11%
CITY SAVINGS BANK INC	22,366,578.37	21,589,194,332.45	0.10%
ENTERPRISE BANK INC (A THRIFT BANK)	1,248,000.00	1,510,326,749.74	0.08%
EQUICOM SAVINGS BANK INC	2,839,571.95	3,631,689,578.74	0.08%
FARMERS SAVINGS & LOAN BANK INC	186,010.67	244,614,893.71	0.08%
UNIVERSITY SAVINGS BANK INC	322,636.33	463,100,057.73	0.07%
THE BANK OF TOKYO-MITSUBISHI UFJ LTD	13,399,997.25	30,418,683,838.02	0.04%
STANDARD CHARTERED BANK	17,220,849.89	41,342,713,683.08	0.04%
UCPB SAVINGS BANK	3,186,492.79	8,152,844,932.12	0.04%
ALLIED SAVINGS BANK	999,622.22	2,626,352,051.65	0.04%
CITIBANK, N.A.	52,029,387.55	137,149,789,868.96	0.04%
MAYBANK PHILIPPINES INC	10,187,980.01	36,116,107,811.04	0.03%
BPI FAMILY SAVINGS BANK INC	34,964,857.49	137,874,431,676.90	0.03%
ISLA BANK (A THRIFT BANK) INC	77,713.27	571,440,192.20	0.01%
BPI DIRECT SAVINGS BANK INC	1,032,452.87	8,293,182,600.53	0.01%
KOREA EXCHANGE BANK	360,510.00	4,416,241,993.27	0.01%
UNITED OVERSEAS BANK PHILIPPINES	37,380.02	731,608,403.67	0.01%
AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS	0.00	335,372,448.56	0.00%
BANGKOK BANK PUBLIC CO LTD	0.00	6,805,870,784.29	0.00%
BANK OF CHINA LIMITED-MANILA BRANCH	0.00	5,065,720,584.74	0.00%
BATAAN DEVELOPMENT BANK	0.00	175,581,092.99	0.00%
BATAAN SAVINGS AND LOAN BANK	0.00	40,036,035.35	0.00%
BDO ELITE SAVINGS BANK INC	0.00	967,000,000.00	0.00%
BDO PRIVATE BANK, INC.	0.00	8,386,460,379.66	0.00%
BPI GLOBE BANKO INC A SAVINGS BANK	0.00	1,145,844,317.78	0.00%
BUSINESS AND CONSUMERS BANK (A DB)	0.00	146,660,811.28	0.00%
CARD SME BANK INC A THRIFT BANK	0.00	764,673,893.11	0.00%
CITIBANK SAVINGS INC	0.00	9,185,542,419.46	0.00%
DEUTSCHE BANK AG	0.00	41,113,071,770.08	0.00%
DUNGGANON BANK (A MICROFINANCE THRIFT	0.00	114,949,000.67	0.00%
ILOILO CITY DEVELOPMENT BANK	0.00	330,012,900.21	0.00%
INTERNATIONALE NEDERLANDEN GROEP BK	0.00	31,940,097,811.71	0.00%
LEMERY SAVINGS & LOAN BANK, INC.	0.00	61,979,069.82	0.00%
MEGA INTERNATIONAL COMMERCIAL BANK CO LTD	0.00	7,755,835,435.09	0.00%
MERCHANTS SAVINGS & LOAN ASSOCIATION INC	0.00	119,332,319.88	0.00%
METRO CEBU PUBLIC SAVINGS BANK	0.00	89,395,159.25	0.00%
MICROFINANCE MAXIMUM SB INC	0.00	19,799,835.14	0.00%
MIZUHO BANK LTD - MANILA BRANCH	0.00	24,270,931,939.65	0.00%
NORTHPOINT DEV'T BANK INC	0.00	180,308,528.05	0.00%
PACIFIC ACE SAVINGS BANK INC	0.00	29,505,314.84	0.00%
PHILIPPINE RESOURCES SAVINGS BANKING	0.00	7,821,914,239.78	0.00%
PHILIPPINE TRUST COMPANY	0.00	43,457,017,210.53	0.00%
PRIDE STAR DEVELOPMENT BANK INC	0.00	35,384,598.67	0.00%
PROGRESS SAVINGS AND LOAN BANK INC	0.00	8,269,162.84	0.00%
SAMPAGUITA SAVINGS BANK INC	0.00	51,549,037.82	0.00%
THE REAL BANK (A THRIFT BANK) INC	0.00	4,978,537,694.59	0.00%
Grand Total	187,640,380,813.20	4,412,622,834,186.01	4.25%

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 18.57% of Stockholders Equity as of September 30, 2013.

Three banks have DOSRI Loans that exceed 80% of their capital.  These are as follows:

1. Land Bank of the Philippines (87.84% of SE)
2. World Partners Bank (85.29% of SE)
3. Penbank (84.51% of SE)

Philippine Banking System
DOSRI as % of Stockholders Equity
September 30, 2013
	DOSRI	SE	DOSRI/SE
Bank	(In Php)	(In PHP)	(In %)
LAND BANK OF THE PHILIPPINES	65,159,700,063.26	74,177,444,655.41	87.84%
WORLD PARTNERS BANK (A THRIFT BANK)	89,407,251.37	104,831,569.74	85.29%
PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC)	224,986,937.01	266,219,853.55	84.51%
DEVELOPMENT BANK OF THE PHILIPPINES	30,046,932,616.42	40,032,419,521.04	75.06%
STERLING BANK OF ASIA INC (A SAVINGS BANK)	938,592,633.66	1,668,574,318.71	56.25%
VILLAGE BANK INC (A THRIFT BANK)	40,789,050.67	73,694,723.45	55.35%
CITYSTATE SAVINGS BANK INC	355,838,461.88	790,545,549.10	45.01%
SILANGAN SAVINGS & LOAN BANK INC	3,311,630.00	10,025,580.13	33.03%
BDO UNIBANK INC	52,862,392,226.43	161,661,538,506.02	32.70%
QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK	177,654,600.29	656,057,455.54	27.08%
INTER-ASIA DEVELOPMENT BANK	13,084,053.55	52,621,713.94	24.86%
PLANTERS DEVELOPMENT BANK	716,806,414.91	3,133,227,648.33	22.88%
LUZON DEVELOPMENT BANK	92,044,659.72	422,992,285.10	21.76%
TOWER DEVELOPMENT BANK	20,577,536.72	110,445,201.58	18.63%
OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE THRIFT BANK)	13,805,271.15	74,291,602.90	18.58%
LIFE SAVINGS BANK INC	12,036,012.19	64,886,737.17	18.55%
PHILIPPINE POSTAL SAVINGS BANK INC	119,688,839.90	679,474,343.21	17.61%
CHINA BANKING CORPORATION	6,981,847,061.85	41,068,572,860.31	17.00%
PHILIPPINE BUSINESS BANK INC A SAVINGS	1,211,819,272.95	7,262,313,325.38	16.69%
ROBINSONS BANK CORPORATION	807,337,756.03	5,351,042,759.62	15.09%
PAMPANGA DEVELOPMENT BANK	14,725,160.22	106,022,568.94	13.89%
RIZAL COMMERCIAL BANKING CORP	6,182,387,240.95	46,084,616,203.42	13.42%
PHILIPPINE SAVINGS BANK	2,001,570,415.77	16,615,065,526.25	12.05%
WEALTH DEVELOPMENT BANK CORPORATION	39,745,607.51	401,547,654.84	9.90%
HIYAS BANKING CORPORATION	14,338,226.39	159,014,472.02	9.02%
THE PALAWAN BANK (PALAWAN DB) INC	2,038,934.73	24,105,699.34	8.46%
OPTIMUM DEVELOPMENT BANK INC	57,994,099.42	718,776,831.06	8.07%
HONGKONG & SHANGHAI BANKING CORPORATION	438,397,504.39	5,814,019,507.53	7.54%
BANK OF COMMERCE	1,106,359,705.94	15,518,003,350.98	7.13%
BANK OF AMERICA N.A.	39,426,092.76	596,946,705.20	6.60%
BANK OF THE PHILIPPINE ISLANDS	6,532,594,476.35	101,513,950,073.79	6.44%
MARITIME SAVINGS BANK CORPORATION	4,063,904.01	66,310,245.43	6.13%
PRODUCERS SAVINGS BANK CORPORATION	69,345,619.71	1,173,120,829.04	5.91%
SUN SAVINGS BANK INC	6,150,546.57	108,751,688.11	5.66%
BANK ONE SAVINGS AND TRUST CORP.	29,960,000.00	540,089,692.66	5.55%
QUEZON COCONUT BANK INC (A THRIFT BANK)	3,115,375.58	58,237,618.64	5.35%
PHILIPPINE NATIONAL BANK	3,881,951,127.87	76,832,904,546.38	5.05%
EAST WEST BANKING CORP	924,052,547.04	18,780,806,566.60	4.92%
COMSAVINGS BANK	11,418,643.61	290,532,377.98	3.93%
CORDILLERA SAVINGS BANK INC	3,688,481.13	101,030,080.16	3.65%
MALAYAN BANK SAVINGS AND MORT BANK INC	36,585,233.80	1,081,058,516.12	3.38%
METROPOLITAN BANK & TRUST CO	4,103,934,455.63	132,913,338,941.49	3.09%
DUMAGUETE CITY DEVELOPMENT BANK INC	6,268,175.38	207,683,079.52	3.02%
CENTURY SAVINGS BANK CORPORATION	26,662,101.57	911,189,647.34	2.93%
HSBC SAVINGS BANK (PHILS) INC	67,681,085.60	2,844,445,241.76	2.38%
JP MORGAN CHASE BANK NATIONAL ASSOCIATION	48,313,607.61	2,148,653,104.95	2.25%
UNION BANK OF THE PHILIPPINES	882,527,982.59	40,225,927,291.79	2.19%
SECURITY BANK SAVINGS CORPORATION	18,099,828.53	1,095,151,496.40	1.65%
MALASIQUI PROGRESSIVE SLB, INC	700,000.00	54,435,015.90	1.29%
ANZ BANKING GROUP LTD	36,259,879.10	3,033,597,583.83	1.20%
SECURITY BANK CORPORATION	482,324,171.16	40,439,589,096.64	1.19%
UNITED COCONUT PLANTERS BANK	224,191,665.29	20,746,333,625.69	1.08%
CHINA BANK SAVINGS INC	9,810,665.67	1,082,493,058.81	0.91%
CITY SAVINGS BANK INC	22,366,578.37	2,910,703,059.42	0.77%
RCBC SAVINGS BANK INC	55,852,581.38	7,385,685,863.54	0.76%
PHILIPPINE VETERANS BANK	50,254,820.35	6,992,435,561.67	0.72%
ASIA UNITED BANK CORPORATION	127,545,406.97	17,857,415,118.55	0.71%
CITIBANK, N.A.	52,029,387.55	7,472,192,198.87	0.70%
ENTERPRISE BANK INC (A THRIFT BANK)	1,248,000.00	189,654,635.05	0.66%
THE BANK OF TOKYO-MITSUBISHI UFJ LTD	13,399,997.25	2,202,443,873.38	0.61%
EQUICOM SAVINGS BANK INC	2,839,571.95	486,433,820.41	0.58%
STANDARD CHARTERED BANK	17,220,849.89	2,965,820,722.31	0.58%
TONG YANG SAVINGS BANK INC	1,925,209.58	389,060,296.20	0.49%
PHIL BANK OF COMMUNICATIONS	20,343,428.84	5,172,743,757.18	0.39%
FIRST CONSOLIDATED BANK INC (A PDB)	7,921,274.00	2,060,481,532.50	0.38%
CTBC BANK (PHILIPPINES) CORPORATION	20,743,139.56	6,445,548,838.27	0.32%
BPI FAMILY SAVINGS BANK INC	34,964,857.49	17,392,299,117.83	0.20%
FARMERS SAVINGS & LOAN BANK INC	186,010.67	112,083,965.94	0.17%
UNIVERSITY SAVINGS BANK INC	322,636.33	211,977,767.06	0.15%
UCPB SAVINGS BANK	3,186,492.79	2,567,896,185.64	0.12%
BPI DIRECT SAVINGS BANK INC	1,032,452.87	927,369,890.78	0.11%
ALLIED SAVINGS BANK	999,622.22	972,514,395.43	0.10%
MAYBANK PHILIPPINES INC	10,187,980.01	10,140,595,987.28	0.10%
KOREA EXCHANGE BANK	360,510.00	594,713,419.54	0.06%
ISLA BANK (A THRIFT BANK) INC	77,713.27	640,603,002.19	0.01%
UNITED OVERSEAS BANK PHILIPPINES	37,380.02	653,858,984.70	0.01%
AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS	0.00	406,949,575.79	0.00%
BANGKOK BANK PUBLIC CO LTD	0.00	1,160,083,398.87	0.00%
BANK OF CHINA LIMITED-MANILA BRANCH	0.00	731,115,002.59	0.00%
BATAAN DEVELOPMENT BANK	0.00	65,886,982.35	0.00%
BATAAN SAVINGS AND LOAN BANK	0.00	71,221,347.13	0.00%
BDO ELITE SAVINGS BANK INC	0.00	1,600,883,444.68	0.00%
BDO PRIVATE BANK, INC.	0.00	6,254,571,149.37	0.00%
BPI GLOBE BANKO INC A SAVINGS BANK	0.00	326,013,506.53	0.00%
BUSINESS AND CONSUMERS BANK (A DB)	0.00	81,435,262.58	0.00%
CARD SME BANK INC A THRIFT BANK	0.00	237,063,154.84	0.00%
CITIBANK SAVINGS INC	0.00	1,574,388,139.34	0.00%
DEUTSCHE BANK AG	0.00	2,210,540,126.62	0.00%
DUNGGANON BANK (A MICROFINANCE THRIFT	0.00	84,133,843.30	0.00%
ILOILO CITY DEVELOPMENT BANK	0.00	76,402,736.36	0.00%
INTERNATIONALE NEDERLANDEN GROEP BK	0.00	3,132,011,905.89	0.00%
LEMERY SAVINGS & LOAN BANK, INC.	0.00	68,438,323.19	0.00%
MEGA INTERNATIONAL COMMERCIAL BANK CO LTD	0.00	716,962,280.46	0.00%
MERCHANTS SAVINGS & LOAN ASSOCIATION INC	0.00	506,500,666.78	0.00%
METRO CEBU PUBLIC SAVINGS BANK	0.00	63,907,837.08	0.00%
MICROFINANCE MAXIMUM SB INC	0.00	53,366,623.19	0.00%
MIZUHO BANK LTD - MANILA BRANCH	0.00	1,418,575,146.28	0.00%
NORTHPOINT DEV'T BANK INC	0.00	76,016,688.85	0.00%
PACIFIC ACE SAVINGS BANK INC	0.00	74,921,481.62	0.00%
PHILIPPINE RESOURCES SAVINGS BANKING	0.00	1,527,666,933.73	0.00%
PHILIPPINE TRUST COMPANY	0.00	20,331,893,875.73	0.00%
PRIDE STAR DEVELOPMENT BANK INC	0.00	69,970,467.36	0.00%
PROGRESS SAVINGS AND LOAN BANK INC	0.00	83,394,670.11	0.00%
SAMPAGUITA SAVINGS BANK INC	0.00	55,513,886.63	0.00%
THE REAL BANK (A THRIFT BANK) INC	0.00	760,367,463.02	0.00%
Grand Total	187,640,380,813.20	1,010,513,696,062.85	18.57%

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 1.011 billion, or 0.54% of its DOSRI Loans fell past due as of September 30, 2013.  Of the seventy-six banks with DOSRI Loans, sixty banks had zero past due DOSRI Loans.  Of the sixteen 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 (42.63% of DOSRI Loans)

Philippine Banking System
DOSRI Past Due as % of DOSRI
September 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 DEVELOPMENT BANK INC	2,672,000.00	6,268,175.38	42.63%
PHILIPPINE SAVINGS BANK	449,888,803.99	2,001,570,415.77	22.48%
RIZAL COMMERCIAL BANKING CORP	528,928,073.74	6,182,387,240.95	8.56%
PHIL BANK OF COMMUNICATIONS	411,726.67	20,343,428.84	2.02%
UNITED COCONUT PLANTERS BANK	2,819,311.98	224,191,665.29	1.26%
EAST WEST BANKING CORP	5,905,611.46	924,052,547.04	0.64%
CITY SAVINGS BANK INC	61,027.24	22,366,578.37	0.27%
CITIBANK, N.A.	69,628.89	52,029,387.55	0.13%
UNITED OVERSEAS BANK PHILIPPINES	38.00	37,380.02	0.10%
BANK OF THE PHILIPPINE ISLANDS	6,568,378.58	6,532,594,476.35	0.10%
LAND BANK OF THE PHILIPPINES	7,600,000.00	65,159,700,063.26	0.01%
CTBC BANK (PHILIPPINES) CORPORATION	1,751.72	20,743,139.56	0.01%
BDO UNIBANK INC	1,918,023.89	52,862,392,226.43	0.00%
CHINA BANKING CORPORATION	222,987.26	6,981,847,061.85	0.00%
PHILIPPINE NATIONAL BANK	72,588.50	3,881,951,127.87	0.00%
ALLIED SAVINGS BANK	0.00	999,622.22	0.00%
ANZ BANKING GROUP LTD	0.00	36,259,879.10	0.00%
ASIA UNITED BANK CORPORATION	0.00	127,545,406.97	0.00%
BANK OF AMERICA N.A.	0.00	39,426,092.76	0.00%
BANK OF COMMERCE	0.00	1,106,359,705.94	0.00%
BANK ONE SAVINGS AND TRUST CORP.	0.00	29,960,000.00	0.00%
BPI DIRECT SAVINGS BANK INC	0.00	1,032,452.87	0.00%
BPI FAMILY SAVINGS BANK INC	0.00	34,964,857.49	0.00%
CENTURY SAVINGS BANK CORPORATION	0.00	26,662,101.57	0.00%
CHINA BANK SAVINGS INC	0.00	9,810,665.67	0.00%
CITYSTATE SAVINGS BANK INC	0.00	355,838,461.88	0.00%
COMSAVINGS BANK	0.00	11,418,643.61	0.00%
CORDILLERA SAVINGS BANK INC	0.00	3,688,481.13	0.00%
DEVELOPMENT BANK OF THE PHILIPPINES	0.00	30,046,932,616.42	0.00%
ENTERPRISE BANK INC (A THRIFT BANK)	0.00	1,248,000.00	0.00%
EQUICOM SAVINGS BANK INC	0.00	2,839,571.95	0.00%
FARMERS SAVINGS & LOAN BANK INC	0.00	186,010.67	0.00%
FIRST CONSOLIDATED BANK INC (A PDB)	0.00	7,921,274.00	0.00%
HIYAS BANKING CORPORATION	0.00	14,338,226.39	0.00%
HONGKONG & SHANGHAI BANKING CORPORATION	0.00	438,397,504.39	0.00%
HSBC SAVINGS BANK (PHILS) INC	0.00	67,681,085.60	0.00%
INTER-ASIA DEVELOPMENT BANK	0.00	13,084,053.55	0.00%
ISLA BANK (A THRIFT BANK) INC	0.00	77,713.27	0.00%
JP MORGAN CHASE BANK NATIONAL ASSOCIATION	0.00	48,313,607.61	0.00%
KOREA EXCHANGE BANK	0.00	360,510.00	0.00%
LIFE SAVINGS BANK INC	0.00	12,036,012.19	0.00%
LUZON DEVELOPMENT BANK	0.00	92,044,659.72	0.00%
MALASIQUI PROGRESSIVE SLB, INC	0.00	700,000.00	0.00%
MALAYAN BANK SAVINGS AND MORT BANK INC	0.00	36,585,233.80	0.00%
MARITIME SAVINGS BANK CORPORATION	0.00	4,063,904.01	0.00%
MAYBANK PHILIPPINES INC	0.00	10,187,980.01	0.00%
METROPOLITAN BANK & TRUST CO	0.00	4,103,934,455.63	0.00%
OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE THRIFT BANK)	0.00	13,805,271.15	0.00%
OPTIMUM DEVELOPMENT BANK INC	0.00	57,994,099.42	0.00%
PAMPANGA DEVELOPMENT BANK	0.00	14,725,160.22	0.00%
PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC)	0.00	224,986,937.01	0.00%
PHILIPPINE BUSINESS BANK INC A SAVINGS	0.00	1,211,819,272.95	0.00%
PHILIPPINE POSTAL SAVINGS BANK INC	0.00	119,688,839.90	0.00%
PHILIPPINE VETERANS BANK	0.00	50,254,820.35	0.00%
PLANTERS DEVELOPMENT BANK	0.00	716,806,414.91	0.00%
PRODUCERS SAVINGS BANK CORPORATION	0.00	69,345,619.71	0.00%
QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK	0.00	177,654,600.29	0.00%
QUEZON COCONUT BANK INC (A THRIFT BANK)	0.00	3,115,375.58	0.00%
RCBC SAVINGS BANK INC	0.00	55,852,581.38	0.00%
ROBINSONS BANK CORPORATION	0.00	807,337,756.03	0.00%
SECURITY BANK CORPORATION	0.00	482,324,171.16	0.00%
SECURITY BANK SAVINGS CORPORATION	0.00	18,099,828.53	0.00%
STANDARD CHARTERED BANK	0.00	17,220,849.89	0.00%
STERLING BANK OF ASIA INC (A SAVINGS BANK)	0.00	938,592,633.66	0.00%
SUN SAVINGS BANK INC	0.00	6,150,546.57	0.00%
THE BANK OF TOKYO-MITSUBISHI UFJ LTD	0.00	13,399,997.25	0.00%
THE PALAWAN BANK (PALAWAN DB) INC	0.00	2,038,934.73	0.00%
TONG YANG SAVINGS BANK INC	0.00	1,925,209.58	0.00%
TOWER DEVELOPMENT BANK	0.00	20,577,536.72	0.00%
UCPB SAVINGS BANK	0.00	3,186,492.79	0.00%
UNION BANK OF THE PHILIPPINES	0.00	882,527,982.59	0.00%
UNIVERSITY SAVINGS BANK INC	0.00	322,636.33	0.00%
VILLAGE BANK INC (A THRIFT BANK)	0.00	40,789,050.67	0.00%
WEALTH DEVELOPMENT BANK CORPORATION	0.00	39,745,607.51	0.00%
WORLD PARTNERS BANK (A THRIFT BANK)	0.00	89,407,251.37	0.00%
AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS	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
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 BANK LTD - MANILA BRANCH	0.00	0.00	NA
NORTHPOINT DEV'T 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
SAMPAGUITA SAVINGS BANK INC	0.00	0.00	NA
THE REAL BANK (A THRIFT BANK) INC	0.00	0.00	NA
Grand Total	1,010,451,581.92	187,640,380,813.20	0.54%

Source: www.bsp.gov.ph