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 118.116 billion as of December 31, 2013 - approximately 2.47% of the Philippine Banking Industry's Total Loan Portfolio of Php 4.779 trillion.
| Philippine Banking System | |||
| NPL as % of TLP | |||
| December 31, 2013 | |||
| Gross NPLs | Gross TLP | Gross NPL/ Gross TLP | |
| Bank | (In Php) | (In Php) | (In %) |
| UNITED OVERSEAS BANK PHILIPPINES | 664,931,491.65 | 723,046,562.74 | 91.96% |
| COMSAVINGS BANK | 189,798,517.04 | 258,338,844.50 | 73.47% |
| THE REAL BANK (A THRIFT BANK) INC | 3,222,282,611.51 | 4,493,945,574.47 | 71.70% |
| SAMPAGUITA SAVINGS BANK INC | 22,719,477.39 | 48,881,944.59 | 46.48% |
| DUNGGANON BANK (A MICROFINANCE THRIFT | 47,508,153.45 | 104,442,925.74 | 45.49% |
| OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE THRIFT BANK) | 129,775,492.78 | 304,075,337.55 | 42.68% |
| CITIBANK SAVINGS INC | 2,308,133,797.81 | 5,525,018,098.00 | 41.78% |
| PROGRESS SAVINGS AND LOAN BANK INC | 1,269,493.88 | 3,066,207.38 | 41.40% |
| MALASIQUI PROGRESSIVE SLB, INC | 16,092,906.25 | 50,655,736.25 | 31.77% |
| TONG YANG SAVINGS BANK INC | 148,666,358.33 | 533,403,848.44 | 27.87% |
| NORTHPOINT DEV'T BANK INC | 37,110,605.65 | 164,703,767.04 | 22.53% |
| METRO CEBU PUBLIC SAVINGS BANK | 19,055,765.67 | 86,048,583.03 | 22.15% |
| PAMPANGA DEVELOPMENT BANK | 40,745,518.38 | 208,763,089.98 | 19.52% |
| BPI GLOBE BANKO INC A SAVINGS BANK | 201,814,159.62 | 1,063,491,325.12 | 18.98% |
| FARMERS SAVINGS & LOAN BANK INC | 48,471,260.01 | 257,411,854.01 | 18.83% |
| PRIDE STAR DEVELOPMENT BANK INC | 6,473,437.72 | 36,470,704.16 | 17.75% |
| WORLD PARTNERS BANK (A THRIFT BANK) | 88,682,976.78 | 509,720,799.55 | 17.40% |
| ALLIED SAVINGS BANK | 401,441,372.70 | 2,479,145,754.66 | 16.19% |
| BATAAN DEVELOPMENT BANK | 28,911,402.09 | 193,828,189.08 | 14.92% |
| LEMERY SAVINGS & LOAN BANK, INC. | 9,750,997.76 | 67,778,615.66 | 14.39% |
| HIYAS BANKING CORPORATION | 29,217,436.77 | 222,186,463.47 | 13.15% |
| BUSINESS AND CONSUMERS BANK (A DB) | 16,884,925.63 | 135,882,075.31 | 12.43% |
| LIFE SAVINGS BANK INC | 9,639,927.96 | 78,076,257.10 | 12.35% |
| MARITIME SAVINGS BANK CORPORATION | 16,368,803.56 | 142,164,490.56 | 11.51% |
| ENTERPRISE BANK INC (A THRIFT BANK) | 169,661,344.38 | 1,503,517,698.76 | 11.28% |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 3,566,888.20 | 32,101,385.64 | 11.11% |
| UNIVERSITY SAVINGS BANK INC | 48,120,002.84 | 464,700,614.89 | 10.36% |
| SECURITY BANK SAVINGS CORPORATION | 838,735,420.10 | 8,287,967,103.92 | 10.12% |
| PLANTERS DEVELOPMENT BANK | 3,267,592,729.96 | 34,450,275,452.28 | 9.48% |
| PHILIPPINE POSTAL SAVINGS BANK INC | 392,952,272.30 | 4,419,324,882.07 | 8.89% |
| CENTURY SAVINGS BANK CORPORATION | 40,116,374.32 | 463,866,613.98 | 8.65% |
| BANK OF COMMERCE | 3,903,798,967.05 | 45,555,506,597.12 | 8.57% |
| DUMAGUETE CITY DEVELOPMENT BANK INC | 41,156,519.67 | 482,456,929.22 | 8.53% |
| CORDILLERA SAVINGS BANK INC | 14,750,218.80 | 174,452,800.24 | 8.46% |
| PACIFIC ACE SAVINGS BANK INC | 2,030,876.69 | 26,610,305.90 | 7.63% |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 94,745,384.44 | 1,284,430,926.38 | 7.38% |
| VILLAGE BANK INC (A THRIFT BANK) | 25,784,609.74 | 354,480,617.26 | 7.27% |
| MALAYAN BANK SAVINGS AND MORT BANK INC | 315,155,109.94 | 4,361,019,498.14 | 7.23% |
| EQUICOM SAVINGS BANK INC | 253,955,691.53 | 3,550,617,254.72 | 7.15% |
| LUZON DEVELOPMENT BANK | 153,927,139.62 | 2,200,322,931.10 | 7.00% |
| PHILIPPINE RESOURCES SAVINGS BANKING | 568,270,831.20 | 8,184,606,145.17 | 6.94% |
| BATAAN SAVINGS AND LOAN BANK | 2,842,178.92 | 41,160,696.39 | 6.91% |
| WEALTH DEVELOPMENT BANK CORPORATION | 184,239,801.85 | 2,674,029,621.89 | 6.89% |
| FIRST CONSOLIDATED BANK INC (A PDB) | 443,718,187.84 | 6,771,132,384.21 | 6.55% |
| THE PALAWAN BANK (PALAWAN DB) INC | 14,232,122.87 | 218,244,493.03 | 6.52% |
| UNION BANK OF THE PHILIPPINES | 8,949,967,078.89 | 137,614,343,062.42 | 6.50% |
| PHIL BANK OF COMMUNICATIONS | 1,240,984,212.26 | 19,521,972,126.23 | 6.36% |
| PHILIPPINE VETERANS BANK | 960,196,997.18 | 15,600,625,267.85 | 6.15% |
| TOWER DEVELOPMENT BANK | 11,026,032.92 | 191,398,134.36 | 5.76% |
| UNITED COCONUT PLANTERS BANK | 4,791,102,973.68 | 91,829,558,325.31 | 5.22% |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 779,111,419.36 | 15,482,989,636.37 | 5.03% |
| EAST WEST BANKING CORP | 4,648,406,663.92 | 94,900,777,613.11 | 4.90% |
| INTER-ASIA DEVELOPMENT BANK | 4,504,816.66 | 102,955,417.13 | 4.38% |
| DEVELOPMENT BANK OF THE PHILIPPINES | 5,639,214,503.34 | 129,638,563,627.94 | 4.35% |
| PHILIPPINE NATIONAL BANK | 10,686,422,376.48 | 250,976,177,823.48 | 4.26% |
| PRODUCERS SAVINGS BANK CORPORATION | 200,833,871.97 | 4,820,383,181.56 | 4.17% |
| RCBC SAVINGS BANK INC | 1,828,298,222.91 | 44,130,547,426.57 | 4.14% |
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 191,253,994.34 | 5,165,020,987.59 | 3.70% |
| PHILIPPINE SAVINGS BANK | 3,655,420,772.73 | 100,194,336,858.15 | 3.65% |
| SUN SAVINGS BANK INC | 7,460,733.37 | 211,668,665.38 | 3.52% |
| BANK ONE SAVINGS AND TRUST CORP. | 15,304,127.53 | 441,444,352.85 | 3.47% |
| UCPB SAVINGS BANK | 284,342,672.31 | 8,506,784,297.90 | 3.34% |
| STANDARD CHARTERED BANK | 1,086,525,758.42 | 34,107,769,061.36 | 3.19% |
| CHINA BANK SAVINGS INC | 268,611,569.73 | 9,163,092,777.71 | 2.93% |
| BPI FAMILY SAVINGS BANK INC | 4,370,697,474.80 | 150,764,833,602.85 | 2.90% |
| PHILIPPINE TRUST COMPANY | 1,148,806,061.17 | 42,849,659,957.50 | 2.68% |
| MERCHANTS SAVINGS & LOAN ASSOCIATION INC | 4,003,853.45 | 151,214,341.42 | 2.65% |
| PHILIPPINE BUSINESS BANK INC A SAVINGS | 745,484,055.76 | 30,678,422,634.29 | 2.43% |
| ASIA UNITED BANK CORPORATION | 1,073,013,698.39 | 44,518,237,565.19 | 2.41% |
| CTBC BANK (PHILIPPINES) CORPORATION | 388,279,116.49 | 16,454,663,670.26 | 2.36% |
| LAND BANK OF THE PHILIPPINES | 7,317,990,983.02 | 316,891,763,479.53 | 2.31% |
| CITYSTATE SAVINGS BANK INC | 42,355,159.83 | 1,877,515,902.95 | 2.26% |
| MICROFINANCE MAXIMUM SB INC | 374,895.56 | 16,819,783.08 | 2.23% |
| MAYBANK PHILIPPINES INC | 1,036,927,723.27 | 47,131,591,824.26 | 2.20% |
| CARD SME BANK INC A THRIFT BANK | 19,612,047.57 | 908,817,830.54 | 2.16% |
| OPTIMUM DEVELOPMENT BANK INC | 17,197,495.99 | 813,920,671.95 | 2.11% |
| ROBINSONS BANK CORPORATION | 421,843,064.16 | 20,480,106,895.16 | 2.06% |
| CHINA BANKING CORPORATION | 4,117,935,690.11 | 214,918,989,284.16 | 1.92% |
| RIZAL COMMERCIAL BANKING CORP | 3,527,950,432.52 | 188,945,270,427.64 | 1.87% |
| BDO UNIBANK INC | 17,239,114,625.78 | 923,851,193,041.51 | 1.87% |
| HONGKONG & SHANGHAI BANKING CORPORATION | 829,841,922.61 | 46,176,023,266.86 | 1.80% |
| BPI DIRECT SAVINGS BANK INC | 121,202,841.76 | 7,441,467,057.07 | 1.63% |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 14,540,829.34 | 928,669,661.50 | 1.57% |
| CITY SAVINGS BANK INC | 391,518,685.68 | 25,433,487,097.33 | 1.54% |
| BANK OF THE PHILIPPINE ISLANDS | 6,787,741,471.65 | 492,170,749,122.50 | 1.38% |
| HSBC SAVINGS BANK (PHILS) INC | 52,860,163.68 | 6,266,865,074.75 | 0.84% |
| METROPOLITAN BANK & TRUST CO | 3,124,797,642.79 | 550,886,387,405.56 | 0.57% |
| KOREA EXCHANGE BANK | 24,799,833.58 | 4,512,297,785.26 | 0.55% |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 1,156,048.97 | 219,025,051.16 | 0.53% |
| CITIBANK, N.A. | 844,338,675.22 | 177,728,402,037.67 | 0.48% |
| SECURITY BANK CORPORATION | 679,832,902.36 | 167,148,813,855.61 | 0.41% |
| BANK OF CHINA LIMITED-MANILA BRANCH | 8,660,895.91 | 6,124,899,516.22 | 0.14% |
| ANZ BANKING GROUP LTD | 23,339,114.85 | 23,431,124,037.30 | 0.10% |
| BANGKOK BANK PUBLIC CO LTD | 4,954,155.55 | 6,771,830,916.96 | 0.07% |
| JP MORGAN CHASE BANK NATIONAL ASSOCIATION | 734,885.22 | 15,180,284,800.46 | 0.00% |
| INTERNATIONALE NEDERLANDEN GROEP BK | 89.08 | 31,940,097,811.71 | 0.00% |
| BANK OF AMERICA N.A. | 4.00 | 2,890,209,181.75 | 0.00% |
| BDO PRIVATE BANK, INC. | 0.00 | 2,330,825,427.42 | 0.00% |
| DEUTSCHE BANK AG | 0.00 | 39,558,052,377.47 | 0.00% |
| ISLA BANK (A THRIFT BANK) INC | 0.00 | 596,050,431.15 | 0.00% |
| MBANK PHILIPPINES | 0.00 | 37,892,063.28 | 0.00% |
| MEGA INTERNATIONAL COMMERCIAL BANK CO LTD | 0.00 | 8,246,864,759.09 | 0.00% |
| MIZUHO BANK LTD - MANILA BRANCH | 0.00 | 22,335,372,609.95 | 0.00% |
| THE BANK OF TOKYO-MITSUBISHI UFJ LTD | 0.00 | 33,384,952,619.09 | 0.00% |
| BDO ELITE SAVINGS BANK INC | 0.00 | 0.00 | NA |
| Grand Total | 118,115,994,900.77 | 4,778,785,445,523.38 | 2.47% |
Source: www.bsp.gov.ph
There are nine Philippine Banks with an Gross NPL Ratio greater than 30% of Total Loan Portfolio (TLP). These are as follows:
Of these banks, three banks are considered distressed:
Of the 105 banks in this list, twenty-nine have a Gross NPL to Stockholders Equity Ratio of 30% or more. These banks are as follows:
- United Overseas Bank Philippines (91.96% of TLP)
- Comsavings Bank (73.47% of TLP)
- The Real Bank (71.70% of TLP)
- Sampaguita Savings Bank Inc. (46.48% of TLP)
- Dungganon Bank (45.49% of TLP)
- Opportunity Kauswagan Bank Inc (42.68% of TLP)
- Citibank Savings Inc (41.78% of TLP)
- Progress Savings and Loan Bank Inc (41.40% of TLP)
- Malasiqui Progressive SLB, Inc. (34.48% of TLP)
Of these banks, three banks are considered distressed:
- Comsavings Bank (formerly GSIS Family Bank)
- The Real Bank
- Opportunity Kauswagan 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 11.80% of Stockholders Equity as of December 31, 2013.
| Philippine Banking System | |||
| NPL as % of SE | |||
| December 31, 2013 | |||
| NPL | SE | NPL/SE | |
| Bank | (In PHP) | (In PHP) | (In %) |
| THE REAL BANK (A THRIFT BANK) INC | 3,222,282,611.51 | 806,215,196.88 | 399.68% |
| OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE THRIFT BANK) | 129,775,492.78 | 61,638,110.53 | 210.54% |
| CITIBANK SAVINGS INC | 2,308,133,797.81 | 1,588,734,573.60 | 145.28% |
| PLANTERS DEVELOPMENT BANK | 3,267,592,729.96 | 2,709,190,353.46 | 120.61% |
| UNITED OVERSEAS BANK PHILIPPINES | 664,931,491.65 | 700,169,994.52 | 94.97% |
| WORLD PARTNERS BANK (A THRIFT BANK) | 88,682,976.78 | 97,350,763.11 | 91.10% |
| BPI GLOBE BANKO INC A SAVINGS BANK | 201,814,159.62 | 222,466,942.65 | 90.72% |
| COMSAVINGS BANK | 189,798,517.04 | 230,763,397.64 | 82.25% |
| ENTERPRISE BANK INC (A THRIFT BANK) | 169,661,344.38 | 206,730,309.57 | 82.07% |
| SECURITY BANK SAVINGS CORPORATION | 838,735,420.10 | 1,063,659,584.16 | 78.85% |
| PHILIPPINE POSTAL SAVINGS BANK INC | 392,952,272.30 | 655,747,468.09 | 59.92% |
| DUNGGANON BANK (A MICROFINANCE THRIFT | 47,508,153.45 | 84,914,347.98 | 55.95% |
| THE PALAWAN BANK (PALAWAN DB) INC | 14,232,122.87 | 26,205,515.71 | 54.31% |
| EQUICOM SAVINGS BANK INC | 253,955,691.53 | 498,166,589.96 | 50.98% |
| WEALTH DEVELOPMENT BANK CORPORATION | 184,239,801.85 | 363,668,842.05 | 50.66% |
| NORTHPOINT DEV'T BANK INC | 37,110,605.65 | 74,030,797.44 | 50.13% |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 779,111,419.36 | 1,617,042,495.35 | 48.18% |
| FARMERS SAVINGS & LOAN BANK INC | 48,471,260.01 | 114,015,222.56 | 42.51% |
| BATAAN DEVELOPMENT BANK | 28,911,402.09 | 68,240,142.11 | 42.37% |
| ALLIED SAVINGS BANK | 401,441,372.70 | 966,841,559.87 | 41.52% |
| SAMPAGUITA SAVINGS BANK INC | 22,719,477.39 | 56,674,898.04 | 40.09% |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 94,745,384.44 | 242,349,904.07 | 39.09% |
| TONG YANG SAVINGS BANK INC | 148,666,358.33 | 390,716,494.64 | 38.05% |
| PHILIPPINE RESOURCES SAVINGS BANKING | 568,270,831.20 | 1,600,287,621.08 | 35.51% |
| PAMPANGA DEVELOPMENT BANK | 40,745,518.38 | 117,192,461.70 | 34.77% |
| VILLAGE BANK INC (A THRIFT BANK) | 25,784,609.74 | 74,607,045.44 | 34.56% |
| STANDARD CHARTERED BANK | 1,086,525,758.42 | 3,310,605,442.92 | 32.82% |
| LUZON DEVELOPMENT BANK | 153,927,139.62 | 481,131,559.05 | 31.99% |
| METRO CEBU PUBLIC SAVINGS BANK | 19,055,765.67 | 63,038,890.96 | 30.23% |
| MALASIQUI PROGRESSIVE SLB, INC | 16,092,906.25 | 54,034,929.02 | 29.78% |
| MALAYAN BANK SAVINGS AND MORT BANK INC | 315,155,109.94 | 1,097,017,961.88 | 28.73% |
| BANK OF COMMERCE | 3,903,798,967.05 | 13,817,646,787.11 | 28.25% |
| RCBC SAVINGS BANK INC | 1,828,298,222.91 | 6,899,395,315.46 | 26.50% |
| CHINA BANK SAVINGS INC | 268,611,569.73 | 1,048,818,111.09 | 25.61% |
| PHIL BANK OF COMMUNICATIONS | 1,240,984,212.26 | 4,884,526,700.64 | 25.41% |
| UNITED COCONUT PLANTERS BANK | 4,791,102,973.68 | 18,923,327,348.00 | 25.32% |
| BPI FAMILY SAVINGS BANK INC | 4,370,697,474.80 | 17,631,547,816.22 | 24.79% |
| EAST WEST BANKING CORP | 4,648,406,663.92 | 19,118,256,899.86 | 24.31% |
| PHILIPPINE SAVINGS BANK | 3,655,420,772.73 | 15,121,817,848.77 | 24.17% |
| MARITIME SAVINGS BANK CORPORATION | 16,368,803.56 | 67,829,316.54 | 24.13% |
| UNIVERSITY SAVINGS BANK INC | 48,120,002.84 | 213,776,498.41 | 22.51% |
| UNION BANK OF THE PHILIPPINES | 8,949,967,078.89 | 40,738,622,254.61 | 21.97% |
| BUSINESS AND CONSUMERS BANK (A DB) | 16,884,925.63 | 80,500,827.25 | 20.97% |
| FIRST CONSOLIDATED BANK INC (A PDB) | 443,718,187.84 | 2,189,760,426.95 | 20.26% |
| DUMAGUETE CITY DEVELOPMENT BANK INC | 41,156,519.67 | 216,227,266.65 | 19.03% |
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 191,253,994.34 | 1,024,055,944.77 | 18.68% |
| HIYAS BANKING CORPORATION | 29,217,436.77 | 161,385,481.39 | 18.10% |
| PRODUCERS SAVINGS BANK CORPORATION | 200,833,871.97 | 1,182,102,090.12 | 16.99% |
| PHILIPPINE VETERANS BANK | 960,196,997.18 | 6,209,367,453.06 | 15.46% |
| LIFE SAVINGS BANK INC | 9,639,927.96 | 66,553,066.52 | 14.48% |
| CORDILLERA SAVINGS BANK INC | 14,750,218.80 | 103,395,121.60 | 14.27% |
| HONGKONG & SHANGHAI BANKING CORPORATION | 829,841,922.61 | 5,856,722,324.95 | 14.17% |
| LEMERY SAVINGS & LOAN BANK, INC. | 9,750,997.76 | 68,914,048.64 | 14.15% |
| PHILIPPINE NATIONAL BANK | 10,686,422,376.48 | 75,851,044,114.67 | 14.09% |
| DEVELOPMENT BANK OF THE PHILIPPINES | 5,639,214,503.34 | 40,750,998,289.34 | 13.84% |
| BPI DIRECT SAVINGS BANK INC | 121,202,841.76 | 972,616,889.68 | 12.46% |
| CITY SAVINGS BANK INC | 391,518,685.68 | 3,155,445,882.46 | 12.41% |
| CITIBANK, N.A. | 844,338,675.22 | 7,545,425,770.57 | 11.19% |
| UCPB SAVINGS BANK | 284,342,672.31 | 2,645,570,961.14 | 10.75% |
| BDO UNIBANK INC | 17,239,114,625.78 | 163,633,762,916.89 | 10.54% |
| PHILIPPINE BUSINESS BANK INC A SAVINGS | 745,484,055.76 | 7,110,533,709.94 | 10.48% |
| MAYBANK PHILIPPINES INC | 1,036,927,723.27 | 10,219,650,372.27 | 10.15% |
| LAND BANK OF THE PHILIPPINES | 7,317,990,983.02 | 72,317,804,694.85 | 10.12% |
| CHINA BANKING CORPORATION | 4,117,935,690.11 | 41,787,498,261.93 | 9.85% |
| TOWER DEVELOPMENT BANK | 11,026,032.92 | 112,560,495.06 | 9.80% |
| PRIDE STAR DEVELOPMENT BANK INC | 6,473,437.72 | 69,890,199.26 | 9.26% |
| INTER-ASIA DEVELOPMENT BANK | 4,504,816.66 | 52,276,134.45 | 8.62% |
| ROBINSONS BANK CORPORATION | 421,843,064.16 | 5,172,343,787.97 | 8.16% |
| RIZAL COMMERCIAL BANKING CORP | 3,527,950,432.52 | 45,974,823,788.29 | 7.67% |
| CARD SME BANK INC A THRIFT BANK | 19,612,047.57 | 274,434,454.71 | 7.15% |
| SUN SAVINGS BANK INC | 7,460,733.37 | 104,623,612.45 | 7.13% |
| BANK OF THE PHILIPPINE ISLANDS | 6,787,741,471.65 | 99,164,800,917.73 | 6.84% |
| CTBC BANK (PHILIPPINES) CORPORATION | 388,279,116.49 | 6,359,806,854.09 | 6.11% |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 3,566,888.20 | 58,839,248.19 | 6.06% |
| ASIA UNITED BANK CORPORATION | 1,073,013,698.39 | 18,014,404,268.37 | 5.96% |
| PHILIPPINE TRUST COMPANY | 1,148,806,061.17 | 20,441,716,930.88 | 5.62% |
| CITYSTATE SAVINGS BANK INC | 42,355,159.83 | 771,935,670.79 | 5.49% |
| CENTURY SAVINGS BANK CORPORATION | 40,116,374.32 | 911,497,011.92 | 4.40% |
| KOREA EXCHANGE BANK | 24,799,833.58 | 618,026,086.10 | 4.01% |
| BATAAN SAVINGS AND LOAN BANK | 2,842,178.92 | 71,501,666.95 | 3.97% |
| BANK ONE SAVINGS AND TRUST CORP. | 15,304,127.53 | 542,290,082.23 | 2.82% |
| PACIFIC ACE SAVINGS BANK INC | 2,030,876.69 | 75,606,367.84 | 2.69% |
| OPTIMUM DEVELOPMENT BANK INC | 17,197,495.99 | 713,108,078.00 | 2.41% |
| METROPOLITAN BANK & TRUST CO | 3,124,797,642.79 | 130,413,414,436.45 | 2.40% |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 14,540,829.34 | 656,548,271.48 | 2.21% |
| HSBC SAVINGS BANK (PHILS) INC | 52,860,163.68 | 2,825,066,001.29 | 1.87% |
| SECURITY BANK CORPORATION | 679,832,902.36 | 40,658,066,501.58 | 1.67% |
| PROGRESS SAVINGS AND LOAN BANK INC | 1,269,493.88 | 83,008,094.43 | 1.53% |
| BANK OF CHINA LIMITED-MANILA BRANCH | 8,660,895.91 | 746,794,923.86 | 1.16% |
| ANZ BANKING GROUP LTD | 23,339,114.85 | 2,312,184,822.81 | 1.01% |
| MERCHANTS SAVINGS & LOAN ASSOCIATION INC | 4,003,853.45 | 488,242,200.45 | 0.82% |
| MICROFINANCE MAXIMUM SB INC | 374,895.56 | 45,791,031.87 | 0.82% |
| BANGKOK BANK PUBLIC CO LTD | 4,954,155.55 | 1,170,854,993.88 | 0.42% |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 1,156,048.97 | 392,277,101.62 | 0.29% |
| JP MORGAN CHASE BANK NATIONAL ASSOCIATION | 734,885.22 | 1,556,917,580.74 | 0.05% |
| 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% |
| BDO ELITE SAVINGS BANK INC | 0.00 | 1,592,542,542.62 | 0.00% |
| BDO PRIVATE BANK, INC. | 0.00 | 6,182,595,239.49 | 0.00% |
| DEUTSCHE BANK AG | 0.00 | 2,038,174,079.87 | 0.00% |
| ISLA BANK (A THRIFT BANK) INC | 0.00 | 648,121,453.33 | 0.00% |
| MBANK PHILIPPINES | 0.00 | 125,138,767.06 | 0.00% |
| MEGA INTERNATIONAL COMMERCIAL BANK CO LTD | 0.00 | 757,011,827.28 | 0.00% |
| MIZUHO BANK LTD - MANILA BRANCH | 0.00 | 1,319,435,712.15 | 0.00% |
| THE BANK OF TOKYO-MITSUBISHI UFJ LTD | 0.00 | 2,284,664,024.91 | 0.00% |
| Grand Total | 118,115,994,900.77 | 1,000,788,644,101.93 | 11.80% |
Source: www.bsp.gov.ph
Of the 105 banks in this list, twenty-nine have a Gross NPL to Stockholders Equity Ratio of 30% or more. These banks are as follows:
- The Real Bank (399.68% of SE)
- Opportunity Kauswagan Bank, Inc. (210.54% of SE)
- Citibank Savings Inc. (145.28% of SE)
- Planters Development Bank (120.61% of SE)
- United Overseas Bank Philippines (94.97% of SE)
- World Partners Bank (91.10% of SE)
- BPI Globe Banko Inc. (90.72% of SE)
- Comsavings Bank (82.25% of SE)
- Enterprise Bank Inc. (82.07% of SE)
- Security Bank Savings Corporation (78.85% of SE)
- Philippine Postal Savings Bank (59.92% of SE)
- Dungganon Bank (55.95% of SE)
- The Palawan Bank (54.31% of SE)
- Equicom Savings Bank Inc. (50.98% of SE)
- Wealth Development Bank Corporation (50.66% of SE)
- Northpoint Development Bank (50.13% of SE)
- Sterling Bank of Asia, Inc. (48.18% of SE)
- Farmers Savings & Loan Bank Inc. (42.51% of SE)
- Bataan Development Bank (42.37% of SE)
- Allied Savings Bank (41.52% of SE)
- Sampaguita Savings Bank (40.09% of SE)
- Penbank Inc (39.09% of SE)
- Tong Yang Savings Bank Inc. (38.05% of SE)
- Philippine Resources Savings Banking Corporation (35.51% of SE)
- Pampanga Development Bank (34.77% of SE)
- Village Bank Inc. (34.56% of SE)
- Standard Chartered Bank (32.82% of SE)
- Luzon Development Bank (31.99% of SE)
- Metro Cebu Public Savings Bank (30.23% 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 4.48% of their Total Loan Portfolio as of December 31, 2013. Of the 105 banks, thirty banks reported having no DOSRI Loans. Of the seventy-five banks with DOSRI Loans, thirty-one banks had DOSRI Loans that made up less than 1% of their Total Loan Portfolios. However, six banks had DOSRI Loans that comprised more than 15% of their Total Loan Portfolios. They are as follows:
- Development Bank of the Philippines (28.98% of TLP)
- Queen City Development Bank (22.50% of TLP)
- Land Bank of the Philippines (20.34% of TLP)
- Citystate Savings Bank Inc. (18.06% of TLP)
- Life Savings Bank Inc. (16.78% of TLP)
- World Partners Bank (16.54% of TLP)
| Philippine Banking System | |||
| DOSRI as % of TLP | |||
| December 31, 2013 | |||
| DOSRI | TLP | DOSRI/TLP | |
| Bank | (In Php) | (In PHP) | (In %) |
| DEVELOPMENT BANK OF THE PHILIPPINES | 37,574,318,755.94 | 129,638,563,627.94 | 28.98% |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 208,965,194.14 | 928,669,661.50 | 22.50% |
| LAND BANK OF THE PHILIPPINES | 64,464,574,548.46 | 316,891,763,479.53 | 20.34% |
| CITYSTATE SAVINGS BANK INC | 339,050,419.89 | 1,877,515,902.95 | 18.06% |
| LIFE SAVINGS BANK INC | 13,099,034.32 | 78,076,257.10 | 16.78% |
| WORLD PARTNERS BANK (A THRIFT BANK) | 84,307,251.37 | 509,720,799.55 | 16.54% |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 185,722,166.79 | 1,284,430,926.38 | 14.46% |
| INTER-ASIA DEVELOPMENT BANK | 12,932,485.45 | 102,955,417.13 | 12.56% |
| VILLAGE BANK INC (A THRIFT BANK) | 40,753,662.01 | 354,480,617.26 | 11.50% |
| TOWER DEVELOPMENT BANK | 20,499,972.81 | 191,398,134.36 | 10.71% |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 3,267,001.46 | 32,101,385.64 | 10.18% |
| HIYAS BANKING CORPORATION | 22,251,218.46 | 222,186,463.47 | 10.01% |
| OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE THRIFT BANK) | 22,295,908.52 | 304,075,337.55 | 7.33% |
| BDO UNIBANK INC | 65,547,380,374.73 | 923,851,193,041.51 | 7.10% |
| BANK ONE SAVINGS AND TRUST CORP. | 29,980,000.00 | 441,444,352.85 | 6.79% |
| EAST WEST BANKING CORP | 6,394,361,309.40 | 94,900,777,613.11 | 6.74% |
| PAMPANGA DEVELOPMENT BANK | 13,807,365.80 | 208,763,089.98 | 6.61% |
| OPTIMUM DEVELOPMENT BANK INC | 51,318,945.96 | 813,920,671.95 | 6.31% |
| CENTURY SAVINGS BANK CORPORATION | 27,482,822.72 | 463,866,613.98 | 5.92% |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 835,541,319.72 | 15,482,989,636.37 | 5.40% |
| COMSAVINGS BANK | 11,813,719.08 | 258,338,844.50 | 4.57% |
| DUMAGUETE CITY DEVELOPMENT BANK INC | 21,091,594.46 | 482,456,929.22 | 4.37% |
| ROBINSONS BANK CORPORATION | 855,095,968.66 | 20,480,106,895.16 | 4.18% |
| WEALTH DEVELOPMENT BANK CORPORATION | 109,099,376.51 | 2,674,029,621.89 | 4.08% |
| PHILIPPINE BUSINESS BANK INC A SAVINGS | 1,214,795,438.62 | 30,678,422,634.29 | 3.96% |
| LUZON DEVELOPMENT BANK | 75,026,638.41 | 2,200,322,931.10 | 3.41% |
| RIZAL COMMERCIAL BANKING CORP | 6,403,496,132.18 | 188,945,270,427.64 | 3.39% |
| CHINA BANKING CORPORATION | 6,890,582,634.89 | 214,918,989,284.16 | 3.21% |
| PHILIPPINE POSTAL SAVINGS BANK INC | 114,185,917.49 | 4,419,324,882.07 | 2.58% |
| BANK OF COMMERCE | 1,106,238,611.24 | 45,555,506,597.12 | 2.43% |
| MARITIME SAVINGS BANK CORPORATION | 3,411,253.64 | 142,164,490.56 | 2.40% |
| CORDILLERA SAVINGS BANK INC | 3,962,864.00 | 174,452,800.24 | 2.27% |
| PRODUCERS SAVINGS BANK CORPORATION | 108,679,017.99 | 4,820,383,181.56 | 2.25% |
| PLANTERS DEVELOPMENT BANK | 747,417,240.42 | 34,450,275,452.28 | 2.17% |
| PHILIPPINE SAVINGS BANK | 1,709,337,945.90 | 100,194,336,858.15 | 1.71% |
| BATAAN DEVELOPMENT BANK | 3,000,000.00 | 193,828,189.08 | 1.55% |
| SAMPAGUITA SAVINGS BANK INC | 737,071.12 | 48,881,944.59 | 1.51% |
| PHILIPPINE NATIONAL BANK | 3,731,243,805.56 | 250,976,177,823.48 | 1.49% |
| MALASIQUI PROGRESSIVE SLB, INC | 700,000.00 | 50,655,736.25 | 1.38% |
| BANK OF THE PHILIPPINE ISLANDS | 6,642,782,937.98 | 492,170,749,122.50 | 1.35% |
| BANK OF AMERICA N.A. | 38,381,425.69 | 2,890,209,181.75 | 1.33% |
| PHIL BANK OF COMMUNICATIONS | 220,983,358.86 | 19,521,972,126.23 | 1.13% |
| HSBC SAVINGS BANK (PHILS) INC | 65,724,577.35 | 6,266,865,074.75 | 1.05% |
| METROPOLITAN BANK & TRUST CO | 5,535,728,765.23 | 550,886,387,405.56 | 1.00% |
| HONGKONG & SHANGHAI BANKING CORPORATION | 437,758,104.33 | 46,176,023,266.86 | 0.95% |
| MALAYAN BANK SAVINGS AND MORT BANK INC | 39,934,986.91 | 4,361,019,498.14 | 0.92% |
| THE PALAWAN BANK (PALAWAN DB) INC | 1,905,518.78 | 218,244,493.03 | 0.87% |
| ASIA UNITED BANK CORPORATION | 219,842,938.31 | 44,518,237,565.19 | 0.49% |
| UNION BANK OF THE PHILIPPINES | 657,282,240.05 | 137,614,343,062.42 | 0.48% |
| JP MORGAN CHASE BANK NATIONAL ASSOCIATION | 47,944,968.76 | 15,180,284,800.46 | 0.32% |
| PHILIPPINE VETERANS BANK | 48,927,914.19 | 15,600,625,267.85 | 0.31% |
| SECURITY BANK CORPORATION | 522,680,481.44 | 167,148,813,855.61 | 0.31% |
| UNITED COCONUT PLANTERS BANK | 222,004,707.36 | 91,829,558,325.31 | 0.24% |
| SECURITY BANK SAVINGS CORPORATION | 17,436,598.01 | 8,287,967,103.92 | 0.21% |
| ANZ BANKING GROUP LTD | 35,803,803.31 | 23,431,124,037.30 | 0.15% |
| FIRST CONSOLIDATED BANK INC (A PDB) | 8,903,923.91 | 6,771,132,384.21 | 0.13% |
| CTBC BANK (PHILIPPINES) CORPORATION | 20,471,106.03 | 16,454,663,670.26 | 0.12% |
| RCBC SAVINGS BANK INC | 54,657,565.90 | 44,130,547,426.57 | 0.12% |
| TONG YANG SAVINGS BANK INC | 604,910.47 | 533,403,848.44 | 0.11% |
| CHINA BANK SAVINGS INC | 9,116,812.76 | 9,163,092,777.71 | 0.10% |
| EQUICOM SAVINGS BANK INC | 3,306,846.95 | 3,550,617,254.72 | 0.09% |
| CITY SAVINGS BANK INC | 23,309,808.71 | 25,433,487,097.33 | 0.09% |
| FARMERS SAVINGS & LOAN BANK INC | 157,318.02 | 257,411,854.01 | 0.06% |
| STANDARD CHARTERED BANK | 15,821,850.64 | 34,107,769,061.36 | 0.05% |
| THE BANK OF TOKYO-MITSUBISHI UFJ LTD | 14,558,686.13 | 33,384,952,619.09 | 0.04% |
| MAYBANK PHILIPPINES INC | 19,187,980.01 | 47,131,591,824.26 | 0.04% |
| UCPB SAVINGS BANK | 3,082,045.28 | 8,506,784,297.90 | 0.04% |
| ALLIED SAVINGS BANK | 874,982.32 | 2,479,145,754.66 | 0.04% |
| CITIBANK, N.A. | 42,584,789.65 | 177,728,402,037.67 | 0.02% |
| BPI FAMILY SAVINGS BANK INC | 31,641,899.46 | 150,764,833,602.85 | 0.02% |
| BPI DIRECT SAVINGS BANK INC | 1,191,073.19 | 7,441,467,057.07 | 0.02% |
| KOREA EXCHANGE BANK | 386,600.00 | 4,512,297,785.26 | 0.01% |
| ISLA BANK (A THRIFT BANK) INC | 44,962.58 | 596,050,431.15 | 0.01% |
| UNITED OVERSEAS BANK PHILIPPINES | 39,109.09 | 723,046,562.74 | 0.01% |
| ENTERPRISE BANK INC (A THRIFT BANK) | 25,000.00 | 1,503,517,698.76 | 0.00% |
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 0.00 | 5,165,020,987.59 | 0.00% |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 0.00 | 219,025,051.16 | 0.00% |
| BANGKOK BANK PUBLIC CO LTD | 0.00 | 6,771,830,916.96 | 0.00% |
| BANK OF CHINA LIMITED-MANILA BRANCH | 0.00 | 6,124,899,516.22 | 0.00% |
| BATAAN SAVINGS AND LOAN BANK | 0.00 | 41,160,696.39 | 0.00% |
| BDO PRIVATE BANK, INC. | 0.00 | 2,330,825,427.42 | 0.00% |
| BPI GLOBE BANKO INC A SAVINGS BANK | 0.00 | 1,063,491,325.12 | 0.00% |
| BUSINESS AND CONSUMERS BANK (A DB) | 0.00 | 135,882,075.31 | 0.00% |
| CARD SME BANK INC A THRIFT BANK | 0.00 | 908,817,830.54 | 0.00% |
| CITIBANK SAVINGS INC | 0.00 | 5,525,018,098.00 | 0.00% |
| DEUTSCHE BANK AG | 0.00 | 39,558,052,377.47 | 0.00% |
| DUNGGANON BANK (A MICROFINANCE THRIFT | 0.00 | 104,442,925.74 | 0.00% |
| INTERNATIONALE NEDERLANDEN GROEP BK | 0.00 | 31,940,097,811.71 | 0.00% |
| LEMERY SAVINGS & LOAN BANK, INC. | 0.00 | 67,778,615.66 | 0.00% |
| MBANK PHILIPPINES | 0.00 | 37,892,063.28 | 0.00% |
| MEGA INTERNATIONAL COMMERCIAL BANK CO LTD | 0.00 | 8,246,864,759.09 | 0.00% |
| MERCHANTS SAVINGS & LOAN ASSOCIATION INC | 0.00 | 151,214,341.42 | 0.00% |
| METRO CEBU PUBLIC SAVINGS BANK | 0.00 | 86,048,583.03 | 0.00% |
| MICROFINANCE MAXIMUM SB INC | 0.00 | 16,819,783.08 | 0.00% |
| MIZUHO BANK LTD - MANILA BRANCH | 0.00 | 22,335,372,609.95 | 0.00% |
| NORTHPOINT DEV'T BANK INC | 0.00 | 164,703,767.04 | 0.00% |
| PACIFIC ACE SAVINGS BANK INC | 0.00 | 26,610,305.90 | 0.00% |
| PHILIPPINE RESOURCES SAVINGS BANKING | 0.00 | 8,184,606,145.17 | 0.00% |
| PHILIPPINE TRUST COMPANY | 0.00 | 42,849,659,957.50 | 0.00% |
| PRIDE STAR DEVELOPMENT BANK INC | 0.00 | 36,470,704.16 | 0.00% |
| PROGRESS SAVINGS AND LOAN BANK INC | 0.00 | 3,066,207.38 | 0.00% |
| SUN SAVINGS BANK INC | 0.00 | 211,668,665.38 | 0.00% |
| THE REAL BANK (A THRIFT BANK) INC | 0.00 | 4,493,945,574.47 | 0.00% |
| UNIVERSITY SAVINGS BANK INC | 0.00 | 464,700,614.89 | 0.00% |
| BDO ELITE SAVINGS BANK INC | 0.00 | 0.00 | NA |
| Grand Total | 214,006,915,585.78 | 4,778,785,445,523.38 | 4.48% |
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 21.58% of Stockholders Equity as of December 31, 2013.
Three banks have DOSRI Loans that exceed 80% of their capital. These are as follows:
- Development Bank of the Philippines (92.20% of SE)
- Land Bank of the Philippines (89.14% of SE)
- World Partners Bank (86.60% of SE)
| Philippine Banking System | |||
| DOSRI as % of Stockholders Equity | |||
| December 31, 2013 | |||
| DOSRI | SE | DOSRI/SE | |
| Bank | (In Php) | (In PHP) | (In %) |
| DEVELOPMENT BANK OF THE PHILIPPINES | 37,574,318,755.94 | 40,750,998,289.34 | 92.20% |
| LAND BANK OF THE PHILIPPINES | 64,464,574,548.46 | 72,317,804,694.85 | 89.14% |
| WORLD PARTNERS BANK (A THRIFT BANK) | 84,307,251.37 | 97,350,763.11 | 86.60% |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 185,722,166.79 | 242,349,904.07 | 76.63% |
| VILLAGE BANK INC (A THRIFT BANK) | 40,753,662.01 | 74,607,045.44 | 54.62% |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 835,541,319.72 | 1,617,042,495.35 | 51.67% |
| CITYSTATE SAVINGS BANK INC | 339,050,419.89 | 771,935,670.79 | 43.92% |
| BDO UNIBANK INC | 65,547,380,374.73 | 163,633,762,916.89 | 40.06% |
| OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE THRIFT BANK) | 22,295,908.52 | 61,638,110.53 | 36.17% |
| EAST WEST BANKING CORP | 6,394,361,309.40 | 19,118,256,899.86 | 33.45% |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 208,965,194.14 | 656,548,271.48 | 31.83% |
| WEALTH DEVELOPMENT BANK CORPORATION | 109,099,376.51 | 363,668,842.05 | 30.00% |
| PLANTERS DEVELOPMENT BANK | 747,417,240.42 | 2,709,190,353.46 | 27.59% |
| INTER-ASIA DEVELOPMENT BANK | 12,932,485.45 | 52,276,134.45 | 24.74% |
| LIFE SAVINGS BANK INC | 13,099,034.32 | 66,553,066.52 | 19.68% |
| TOWER DEVELOPMENT BANK | 20,499,972.81 | 112,560,495.06 | 18.21% |
| PHILIPPINE POSTAL SAVINGS BANK INC | 114,185,917.49 | 655,747,468.09 | 17.41% |
| PHILIPPINE BUSINESS BANK INC A SAVINGS | 1,214,795,438.62 | 7,110,533,709.94 | 17.08% |
| ROBINSONS BANK CORPORATION | 855,095,968.66 | 5,172,343,787.97 | 16.53% |
| CHINA BANKING CORPORATION | 6,890,582,634.89 | 41,787,498,261.93 | 16.49% |
| LUZON DEVELOPMENT BANK | 75,026,638.41 | 481,131,559.05 | 15.59% |
| RIZAL COMMERCIAL BANKING CORP | 6,403,496,132.18 | 45,974,823,788.29 | 13.93% |
| HIYAS BANKING CORPORATION | 22,251,218.46 | 161,385,481.39 | 13.79% |
| PAMPANGA DEVELOPMENT BANK | 13,807,365.80 | 117,192,461.70 | 11.78% |
| PHILIPPINE SAVINGS BANK | 1,709,337,945.90 | 15,121,817,848.77 | 11.30% |
| DUMAGUETE CITY DEVELOPMENT BANK INC | 21,091,594.46 | 216,227,266.65 | 9.75% |
| PRODUCERS SAVINGS BANK CORPORATION | 108,679,017.99 | 1,182,102,090.12 | 9.19% |
| BANK OF COMMERCE | 1,106,238,611.24 | 13,817,646,787.11 | 8.01% |
| HONGKONG & SHANGHAI BANKING CORPORATION | 437,758,104.33 | 5,856,722,324.95 | 7.47% |
| THE PALAWAN BANK (PALAWAN DB) INC | 1,905,518.78 | 26,205,515.71 | 7.27% |
| OPTIMUM DEVELOPMENT BANK INC | 51,318,945.96 | 713,108,078.00 | 7.20% |
| BANK OF THE PHILIPPINE ISLANDS | 6,642,782,937.98 | 99,164,800,917.73 | 6.70% |
| BANK OF AMERICA N.A. | 38,381,425.69 | 596,946,705.20 | 6.43% |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 3,267,001.46 | 58,839,248.19 | 5.55% |
| BANK ONE SAVINGS AND TRUST CORP. | 29,980,000.00 | 542,290,082.23 | 5.53% |
| COMSAVINGS BANK | 11,813,719.08 | 230,763,397.64 | 5.12% |
| MARITIME SAVINGS BANK CORPORATION | 3,411,253.64 | 67,829,316.54 | 5.03% |
| PHILIPPINE NATIONAL BANK | 3,731,243,805.56 | 75,851,044,114.67 | 4.92% |
| PHIL BANK OF COMMUNICATIONS | 220,983,358.86 | 4,884,526,700.64 | 4.52% |
| BATAAN DEVELOPMENT BANK | 3,000,000.00 | 68,240,142.11 | 4.40% |
| METROPOLITAN BANK & TRUST CO | 5,535,728,765.23 | 130,413,414,436.45 | 4.24% |
| CORDILLERA SAVINGS BANK INC | 3,962,864.00 | 103,395,121.60 | 3.83% |
| MALAYAN BANK SAVINGS AND MORT BANK INC | 39,934,986.91 | 1,097,017,961.88 | 3.64% |
| JP MORGAN CHASE BANK NATIONAL ASSOCIATION | 47,944,968.76 | 1,556,917,580.74 | 3.08% |
| CENTURY SAVINGS BANK CORPORATION | 27,482,822.72 | 911,497,011.92 | 3.02% |
| HSBC SAVINGS BANK (PHILS) INC | 65,724,577.35 | 2,825,066,001.29 | 2.33% |
| SECURITY BANK SAVINGS CORPORATION | 17,436,598.01 | 1,063,659,584.16 | 1.64% |
| UNION BANK OF THE PHILIPPINES | 657,282,240.05 | 40,738,622,254.61 | 1.61% |
| ANZ BANKING GROUP LTD | 35,803,803.31 | 2,312,184,822.81 | 1.55% |
| SAMPAGUITA SAVINGS BANK INC | 737,071.12 | 56,674,898.04 | 1.30% |
| MALASIQUI PROGRESSIVE SLB, INC | 700,000.00 | 54,034,929.02 | 1.30% |
| SECURITY BANK CORPORATION | 522,680,481.44 | 40,658,066,501.58 | 1.29% |
| ASIA UNITED BANK CORPORATION | 219,842,938.31 | 18,014,404,268.37 | 1.22% |
| UNITED COCONUT PLANTERS BANK | 222,004,707.36 | 18,923,327,348.00 | 1.17% |
| CHINA BANK SAVINGS INC | 9,116,812.76 | 1,048,818,111.09 | 0.87% |
| RCBC SAVINGS BANK INC | 54,657,565.90 | 6,899,395,315.46 | 0.79% |
| PHILIPPINE VETERANS BANK | 48,927,914.19 | 6,209,367,453.06 | 0.79% |
| CITY SAVINGS BANK INC | 23,309,808.71 | 3,155,445,882.46 | 0.74% |
| EQUICOM SAVINGS BANK INC | 3,306,846.95 | 498,166,589.96 | 0.66% |
| THE BANK OF TOKYO-MITSUBISHI UFJ LTD | 14,558,686.13 | 2,284,664,024.91 | 0.64% |
| CITIBANK, N.A. | 42,584,789.65 | 7,545,425,770.57 | 0.56% |
| STANDARD CHARTERED BANK | 15,821,850.64 | 3,310,605,442.92 | 0.48% |
| FIRST CONSOLIDATED BANK INC (A PDB) | 8,903,923.91 | 2,189,760,426.95 | 0.41% |
| CTBC BANK (PHILIPPINES) CORPORATION | 20,471,106.03 | 6,359,806,854.09 | 0.32% |
| MAYBANK PHILIPPINES INC | 19,187,980.01 | 10,219,650,372.27 | 0.19% |
| BPI FAMILY SAVINGS BANK INC | 31,641,899.46 | 17,631,547,816.22 | 0.18% |
| TONG YANG SAVINGS BANK INC | 604,910.47 | 390,716,494.64 | 0.15% |
| FARMERS SAVINGS & LOAN BANK INC | 157,318.02 | 114,015,222.56 | 0.14% |
| BPI DIRECT SAVINGS BANK INC | 1,191,073.19 | 972,616,889.68 | 0.12% |
| UCPB SAVINGS BANK | 3,082,045.28 | 2,645,570,961.14 | 0.12% |
| ALLIED SAVINGS BANK | 874,982.32 | 966,841,559.87 | 0.09% |
| KOREA EXCHANGE BANK | 386,600.00 | 618,026,086.10 | 0.06% |
| ENTERPRISE BANK INC (A THRIFT BANK) | 25,000.00 | 206,730,309.57 | 0.01% |
| ISLA BANK (A THRIFT BANK) INC | 44,962.58 | 648,121,453.33 | 0.01% |
| UNITED OVERSEAS BANK PHILIPPINES | 39,109.09 | 700,169,994.52 | 0.01% |
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 0.00 | 1,024,055,944.77 | 0.00% |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 0.00 | 392,277,101.62 | 0.00% |
| BANGKOK BANK PUBLIC CO LTD | 0.00 | 1,170,854,993.88 | 0.00% |
| BANK OF CHINA LIMITED-MANILA BRANCH | 0.00 | 746,794,923.86 | 0.00% |
| BATAAN SAVINGS AND LOAN BANK | 0.00 | 71,501,666.95 | 0.00% |
| BDO ELITE SAVINGS BANK INC | 0.00 | 1,592,542,542.62 | 0.00% |
| BDO PRIVATE BANK, INC. | 0.00 | 6,182,595,239.49 | 0.00% |
| BPI GLOBE BANKO INC A SAVINGS BANK | 0.00 | 222,466,942.65 | 0.00% |
| BUSINESS AND CONSUMERS BANK (A DB) | 0.00 | 80,500,827.25 | 0.00% |
| CARD SME BANK INC A THRIFT BANK | 0.00 | 274,434,454.71 | 0.00% |
| CITIBANK SAVINGS INC | 0.00 | 1,588,734,573.60 | 0.00% |
| DEUTSCHE BANK AG | 0.00 | 2,038,174,079.87 | 0.00% |
| DUNGGANON BANK (A MICROFINANCE THRIFT | 0.00 | 84,914,347.98 | 0.00% |
| INTERNATIONALE NEDERLANDEN GROEP BK | 0.00 | 3,132,011,905.89 | 0.00% |
| LEMERY SAVINGS & LOAN BANK, INC. | 0.00 | 68,914,048.64 | 0.00% |
| MBANK PHILIPPINES | 0.00 | 125,138,767.06 | 0.00% |
| MEGA INTERNATIONAL COMMERCIAL BANK CO LTD | 0.00 | 757,011,827.28 | 0.00% |
| MERCHANTS SAVINGS & LOAN ASSOCIATION INC | 0.00 | 488,242,200.45 | 0.00% |
| METRO CEBU PUBLIC SAVINGS BANK | 0.00 | 63,038,890.96 | 0.00% |
| MICROFINANCE MAXIMUM SB INC | 0.00 | 45,791,031.87 | 0.00% |
| MIZUHO BANK LTD - MANILA BRANCH | 0.00 | 1,319,435,712.15 | 0.00% |
| NORTHPOINT DEV'T BANK INC | 0.00 | 74,030,797.44 | 0.00% |
| PACIFIC ACE SAVINGS BANK INC | 0.00 | 75,606,367.84 | 0.00% |
| PHILIPPINE RESOURCES SAVINGS BANKING | 0.00 | 1,600,287,621.08 | 0.00% |
| PHILIPPINE TRUST COMPANY | 0.00 | 20,441,716,930.88 | 0.00% |
| PRIDE STAR DEVELOPMENT BANK INC | 0.00 | 69,890,199.26 | 0.00% |
| PROGRESS SAVINGS AND LOAN BANK INC | 0.00 | 83,008,094.43 | 0.00% |
| SUN SAVINGS BANK INC | 0.00 | 104,623,612.45 | 0.00% |
| THE REAL BANK (A THRIFT BANK) INC | 0.00 | 806,215,196.88 | 0.00% |
| UNIVERSITY SAVINGS BANK INC | 0.00 | 213,776,498.41 | 0.00% |
| Grand Total | 214,006,915,585.78 | 1,000,788,644,101.93 | 21.38% |
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:
- Written off as soon as possible;
- Refinanced or Restructured to become current (this requires Board of Directors Approval); or are
- 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 997.368 million, or 0.47% of its DOSRI Loans fell past due as of December 31, 2013. Of the seventy-five banks with DOSRI Loans, sixty banks had zero past due DOSRI Loans. No banks had past due DOSRI Loans exceeding 30% of their Total DOSRI Loan Portfolio.
| 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 %) |
| PHILIPPINE SAVINGS BANK | 449,888,803.99 | 1,709,337,945.90 | 26.32% |
| DUMAGUETE CITY DEVELOPMENT BANK INC | 2,600,000.00 | 21,091,594.46 | 12.33% |
| RIZAL COMMERCIAL BANKING CORP | 526,027,298.14 | 6,403,496,132.18 | 8.21% |
| UNITED COCONUT PLANTERS BANK | 3,301,611.26 | 222,004,707.36 | 1.49% |
| CITY SAVINGS BANK INC | 54,277.24 | 23,309,808.71 | 0.23% |
| BANK OF THE PHILIPPINE ISLANDS | 9,435,548.05 | 6,642,782,937.98 | 0.14% |
| UNITED OVERSEAS BANK PHILIPPINES | 38.00 | 39,109.09 | 0.10% |
| EAST WEST BANKING CORP | 3,906,051.48 | 6,394,361,309.40 | 0.06% |
| CITIBANK, N.A. | 18,313.33 | 42,584,789.65 | 0.04% |
| PHIL BANK OF COMMUNICATIONS | 33,481.24 | 220,983,358.86 | 0.02% |
| BDO UNIBANK INC | 1,826,954.37 | 65,547,380,374.73 | 0.00% |
| CHINA BANKING CORPORATION | 120,467.96 | 6,890,582,634.89 | 0.00% |
| PHILIPPINE NATIONAL BANK | 30,842.68 | 3,731,243,805.56 | 0.00% |
| UCPB SAVINGS BANK | 8.00 | 3,082,045.28 | 0.00% |
| LAND BANK OF THE PHILIPPINES | 124,000.00 | 64,464,574,548.46 | 0.00% |
| ALLIED SAVINGS BANK | 0.00 | 874,982.32 | 0.00% |
| ANZ BANKING GROUP LTD | 0.00 | 35,803,803.31 | 0.00% |
| ASIA UNITED BANK CORPORATION | 0.00 | 219,842,938.31 | 0.00% |
| BANK OF AMERICA N.A. | 0.00 | 38,381,425.69 | 0.00% |
| BANK OF COMMERCE | 0.00 | 1,106,238,611.24 | 0.00% |
| BANK ONE SAVINGS AND TRUST CORP. | 0.00 | 29,980,000.00 | 0.00% |
| BATAAN DEVELOPMENT BANK | 0.00 | 3,000,000.00 | 0.00% |
| BPI DIRECT SAVINGS BANK INC | 0.00 | 1,191,073.19 | 0.00% |
| BPI FAMILY SAVINGS BANK INC | 0.00 | 31,641,899.46 | 0.00% |
| CENTURY SAVINGS BANK CORPORATION | 0.00 | 27,482,822.72 | 0.00% |
| CHINA BANK SAVINGS INC | 0.00 | 9,116,812.76 | 0.00% |
| CITYSTATE SAVINGS BANK INC | 0.00 | 339,050,419.89 | 0.00% |
| COMSAVINGS BANK | 0.00 | 11,813,719.08 | 0.00% |
| CORDILLERA SAVINGS BANK INC | 0.00 | 3,962,864.00 | 0.00% |
| CTBC BANK (PHILIPPINES) CORPORATION | 0.00 | 20,471,106.03 | 0.00% |
| DEVELOPMENT BANK OF THE PHILIPPINES | 0.00 | 37,574,318,755.94 | 0.00% |
| ENTERPRISE BANK INC (A THRIFT BANK) | 0.00 | 25,000.00 | 0.00% |
| EQUICOM SAVINGS BANK INC | 0.00 | 3,306,846.95 | 0.00% |
| FARMERS SAVINGS & LOAN BANK INC | 0.00 | 157,318.02 | 0.00% |
| FIRST CONSOLIDATED BANK INC (A PDB) | 0.00 | 8,903,923.91 | 0.00% |
| HIYAS BANKING CORPORATION | 0.00 | 22,251,218.46 | 0.00% |
| HONGKONG & SHANGHAI BANKING CORPORATION | 0.00 | 437,758,104.33 | 0.00% |
| HSBC SAVINGS BANK (PHILS) INC | 0.00 | 65,724,577.35 | 0.00% |
| INTER-ASIA DEVELOPMENT BANK | 0.00 | 12,932,485.45 | 0.00% |
| ISLA BANK (A THRIFT BANK) INC | 0.00 | 44,962.58 | 0.00% |
| JP MORGAN CHASE BANK NATIONAL ASSOCIATION | 0.00 | 47,944,968.76 | 0.00% |
| KOREA EXCHANGE BANK | 0.00 | 386,600.00 | 0.00% |
| LIFE SAVINGS BANK INC | 0.00 | 13,099,034.32 | 0.00% |
| LUZON DEVELOPMENT BANK | 0.00 | 75,026,638.41 | 0.00% |
| MALASIQUI PROGRESSIVE SLB, INC | 0.00 | 700,000.00 | 0.00% |
| MALAYAN BANK SAVINGS AND MORT BANK INC | 0.00 | 39,934,986.91 | 0.00% |
| MARITIME SAVINGS BANK CORPORATION | 0.00 | 3,411,253.64 | 0.00% |
| MAYBANK PHILIPPINES INC | 0.00 | 19,187,980.01 | 0.00% |
| METROPOLITAN BANK & TRUST CO | 0.00 | 5,535,728,765.23 | 0.00% |
| OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE THRIFT BANK) | 0.00 | 22,295,908.52 | 0.00% |
| OPTIMUM DEVELOPMENT BANK INC | 0.00 | 51,318,945.96 | 0.00% |
| PAMPANGA DEVELOPMENT BANK | 0.00 | 13,807,365.80 | 0.00% |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 0.00 | 185,722,166.79 | 0.00% |
| PHILIPPINE BUSINESS BANK INC A SAVINGS | 0.00 | 1,214,795,438.62 | 0.00% |
| PHILIPPINE POSTAL SAVINGS BANK INC | 0.00 | 114,185,917.49 | 0.00% |
| PHILIPPINE VETERANS BANK | 0.00 | 48,927,914.19 | 0.00% |
| PLANTERS DEVELOPMENT BANK | 0.00 | 747,417,240.42 | 0.00% |
| PRODUCERS SAVINGS BANK CORPORATION | 0.00 | 108,679,017.99 | 0.00% |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 0.00 | 208,965,194.14 | 0.00% |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 0.00 | 3,267,001.46 | 0.00% |
| RCBC SAVINGS BANK INC | 0.00 | 54,657,565.90 | 0.00% |
| ROBINSONS BANK CORPORATION | 0.00 | 855,095,968.66 | 0.00% |
| SAMPAGUITA SAVINGS BANK INC | 0.00 | 737,071.12 | 0.00% |
| SECURITY BANK CORPORATION | 0.00 | 522,680,481.44 | 0.00% |
| SECURITY BANK SAVINGS CORPORATION | 0.00 | 17,436,598.01 | 0.00% |
| STANDARD CHARTERED BANK | 0.00 | 15,821,850.64 | 0.00% |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 0.00 | 835,541,319.72 | 0.00% |
| THE BANK OF TOKYO-MITSUBISHI UFJ LTD | 0.00 | 14,558,686.13 | 0.00% |
| THE PALAWAN BANK (PALAWAN DB) INC | 0.00 | 1,905,518.78 | 0.00% |
| TONG YANG SAVINGS BANK INC | 0.00 | 604,910.47 | 0.00% |
| TOWER DEVELOPMENT BANK | 0.00 | 20,499,972.81 | 0.00% |
| UNION BANK OF THE PHILIPPINES | 0.00 | 657,282,240.05 | 0.00% |
| VILLAGE BANK INC (A THRIFT BANK) | 0.00 | 40,753,662.01 | 0.00% |
| WEALTH DEVELOPMENT BANK CORPORATION | 0.00 | 109,099,376.51 | 0.00% |
| WORLD PARTNERS BANK (A THRIFT BANK) | 0.00 | 84,307,251.37 | 0.00% |
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 0.00 | 0.00 | NA |
| 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 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 |
| INTERNATIONALE NEDERLANDEN GROEP BK | 0.00 | 0.00 | NA |
| LEMERY SAVINGS & LOAN BANK, INC. | 0.00 | 0.00 | NA |
| MBANK PHILIPPINES | 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 |
| SUN SAVINGS BANK INC | 0.00 | 0.00 | NA |
| THE REAL BANK (A THRIFT BANK) INC | 0.00 | 0.00 | NA |
| UNIVERSITY SAVINGS BANK INC | 0.00 | 0.00 | NA |
| Grand Total | 997,367,695.74 | 214,006,915,585.78 | 0.47% |
Source: www.bsp.gov.ph
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