This blog post updates previous blog posts such as Standard Chartered Bank Ranks Third in Non-Performing Loans as % of Capital Funds as of September 30, 2014
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 118.018 billion as of December 31, 2014 - approximately 2.07% of the Philippine Banking Industry's Total Loan Portfolio of Php 5.692 trillion.
Philippine Banking System | |||
NPL as % of TLP | |||
December 31, 2014 | |||
Gross NPLs | Gross TLP | Gross NPL/ Gross TLP | |
Bank | (In Php) | (In Php) | (In %) |
PROGRESS SAVINGS AND LOAN BANK INC | 1,266,509.04 | 1,472,078.37 | 86.04% |
COMSAVINGS BANK | 191,248,204.56 | 224,455,453.84 | 85.21% |
SAMPAGUITA SAVINGS BANK INC | 24,560,366.62 | 45,633,566.20 | 53.82% |
NORTHPOINT DEV'T BANK INC | 114,135,388.27 | 216,632,937.02 | 52.69% |
UNITED OVERSEAS BANK PHILIPPINES | 665,442,006.65 | 1,389,451,558.58 | 47.89% |
BATAAN DEVELOPMENT BANK | 75,627,159.93 | 178,888,803.82 | 42.28% |
OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE THRIFT BANK) | 108,578,097.44 | 294,400,369.94 | 36.88% |
WORLD PARTNERS BANK (A THRIFT BANK) | 125,221,140.33 | 355,001,455.05 | 35.27% |
LEGAZPI SAVINGS BANK INC | 396,005,098.56 | 1,143,131,002.43 | 34.64% |
FARMERS SAVINGS & LOAN BANK INC | 59,842,676.39 | 238,503,642.20 | 25.09% |
MALASIQUI PROGRESSIVE SLB, INC | 10,389,393.25 | 41,762,803.30 | 24.88% |
DUNGGANON BANK (A MICROFINANCE THRIFT BANK) INC | 26,681,234.39 | 119,460,063.38 | 22.33% |
PAMPANGA DEVELOPMENT BANK | 53,348,257.64 | 274,619,153.93 | 19.43% |
PHIL STAR DEVELOPMENT BANK INC | 8,288,381.02 | 43,519,666.20 | 19.05% |
METRO CEBU PUBLIC SAVINGS BANK | 11,494,835.36 | 64,798,481.82 | 17.74% |
TONGYANG SAVINGS BANK INC | 119,770,252.32 | 743,348,604.02 | 16.11% |
MARITIME SAVINGS BANK CORPORATION | 22,442,294.91 | 140,986,578.65 | 15.92% |
MALAYAN BANK SAVINGS AND MORT BANK INC | 637,584,938.74 | 4,070,228,077.46 | 15.66% |
PHILIPPINE VETERANS BANK | 1,643,267,349.87 | 11,738,943,759.59 | 14.00% |
LIFE SAVINGS BANK INC | 9,393,674.72 | 75,693,456.89 | 12.41% |
EQUICOM SAVINGS BANK INC | 388,602,197.37 | 3,734,575,764.83 | 10.41% |
LEMERY SAVINGS & LOAN BANK, INC. | 6,183,105.10 | 59,562,547.31 | 10.38% |
1ST VALLEY BANK INC A DEVELOPMENT BANK | 515,249,846.22 | 5,180,264,126.00 | 9.95% |
CORDILLERA SAVINGS BANK INC | 17,383,076.12 | 177,959,029.59 | 9.77% |
BUSINESS AND CONSUMERS BANK (A DB) | 13,926,629.29 | 144,138,100.82 | 9.66% |
PLANTERS DEVELOPMENT BANK | 2,986,078,255.90 | 31,384,921,013.97 | 9.51% |
LUZON DEVELOPMENT BANK | 297,480,192.36 | 3,172,485,979.80 | 9.38% |
PHIL POSTAL SAVINGS BANK INC | 527,067,640.97 | 5,729,831,549.37 | 9.20% |
DUMAGUETE CITY DEV BANK INC | 41,174,656.59 | 482,179,707.58 | 8.54% |
SECURITY BANK SAVINGS CORPORATION | 650,408,422.57 | 8,191,899,864.03 | 7.94% |
VILLAGE BANK INC (A THRIFT BANK) | 28,089,103.74 | 387,809,326.29 | 7.24% |
INTER-ASIA DEVELOPMENT BANK | 8,624,018.49 | 119,282,904.56 | 7.23% |
STANDARD CHARTERED BANK | 2,547,665,279.70 | 36,252,890,927.69 | 7.03% |
UNION BANK OF THE PHILS | 9,906,489,975.31 | 151,168,216,222.59 | 6.55% |
HIYAS BANKING CORPORATION | 13,458,793.88 | 206,622,716.21 | 6.51% |
UNIVERSITY SAVINGS BANK INC | 26,945,351.73 | 425,863,698.56 | 6.33% |
ENTERPRISE BANK INC (A THRIFT BANK) | 96,877,675.31 | 1,542,347,303.02 | 6.28% |
THE PALAWAN BANK (PALAWAN DB) INC | 14,496,773.68 | 235,215,674.00 | 6.16% |
PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 114,286,992.86 | 1,869,310,121.38 | 6.11% |
BATAAN SAVINGS AND LOAN BANK | 2,344,022.09 | 39,459,042.55 | 5.94% |
BANK OF COMMERCE | 2,574,468,973.68 | 43,433,101,345.44 | 5.93% |
TOWER DEVELOPMENT BANK | 12,823,403.45 | 218,051,301.87 | 5.88% |
PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS | 500,503,576.05 | 8,638,908,279.52 | 5.79% |
WEALTH DEVELOPMENT BANK CORPORATION | 183,529,436.71 | 3,178,933,133.31 | 5.77% |
PHIL BANK OF COMMUNICATIONS | 1,586,752,249.52 | 28,027,449,272.39 | 5.66% |
STERLING BANK OF ASIA INC (A SAVINGS BANK) | 929,883,309.51 | 16,595,401,071.36 | 5.60% |
QUEZON COCONUT BANK INC (A THRIFT BANK) | 2,228,732.89 | 40,286,604.61 | 5.53% |
FIRST CONSOLIDATED BANK INC (A PDB) | 464,360,958.42 | 8,681,242,227.54 | 5.35% |
UNITED COCONUT PLANTERS BANK | 5,416,218,477.28 | 110,294,172,625.32 | 4.91% |
EAST WEST BANKING CORP | 5,576,281,317.76 | 117,705,101,916.13 | 4.74% |
CENTURY SAVINGS BANK CORPORATION | 35,860,740.62 | 757,782,726.23 | 4.73% |
CHINA BANK SAVINGS INC | 662,261,289.23 | 14,394,949,451.64 | 4.60% |
UCPB SAVINGS BANK | 472,269,678.32 | 10,284,250,040.58 | 4.59% |
PRODUCERS SAVINGS BANK CORPORATION | 269,904,315.20 | 5,986,473,682.02 | 4.51% |
ALLIED SAVINGS BANK | 402,721,413.68 | 8,966,343,417.83 | 4.49% |
RCBC SAVINGS BANK INC | 2,347,905,349.52 | 52,675,478,381.23 | 4.46% |
BANK ONE SAVINGS AND TRUST CORP. | 15,304,127.53 | 391,219,042.93 | 3.91% |
PHIL SAVINGS BANK | 3,865,493,882.61 | 100,708,954,019.31 | 3.84% |
QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 41,828,094.46 | 1,159,920,117.43 | 3.61% |
PHIL NATIONAL BANK | 9,920,812,722.51 | 289,718,191,822.47 | 3.42% |
DEVELOPMENT BANK OF THE PHIL | 5,514,108,975.79 | 165,114,260,001.00 | 3.34% |
MAYBANK PHILIPPINES INC | 1,482,039,353.94 | 48,485,373,592.33 | 3.06% |
PHIL TRUST COMPANY | 1,114,639,478.98 | 37,772,365,202.65 | 2.95% |
BPI FAMILY SAVINGS BANK INC | 4,890,790,457.85 | 168,393,423,339.95 | 2.90% |
SUN SAVINGS BANK INC | 9,255,437.42 | 324,518,794.68 | 2.85% |
CITIBANK, N.A. | 3,126,649,482.40 | 116,077,710,245.65 | 2.69% |
CTBC BANK (PHILIPPINES) CORP | 446,996,685.64 | 18,040,804,976.14 | 2.48% |
ROBINSONS BANK CORPORATION | 544,355,086.03 | 22,321,519,424.21 | 2.44% |
MERCHANTS SAVINGS & LOAN ASSN INC | 7,516,719.70 | 318,018,528.51 | 2.36% |
HONGKONG & SHANGHAI BANKING CORP | 1,326,767,656.33 | 56,233,320,619.44 | 2.36% |
BPI DIRECT SAVINGS BANK INC | 160,442,838.35 | 7,398,455,536.93 | 2.17% |
CARD SME BANK INC A THRIFT BANK | 28,119,896.47 | 1,358,231,501.68 | 2.07% |
OPTIMUM DEVELOPMENT BANK INC | 19,293,633.32 | 961,017,324.33 | 2.01% |
HSBC SAVINGS BANK(PHILS) INC | 78,330,181.73 | 4,794,535,932.60 | 1.63% |
CHINA BANKING CORP | 3,956,317,691.92 | 249,953,798,769.83 | 1.58% |
PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 621,409,966.16 | 39,472,635,518.38 | 1.57% |
LAND BANK OF THE PHILIPPINES | 6,821,304,507.20 | 460,251,195,185.46 | 1.48% |
BDO UNIBANK INC | 15,898,690,558.16 | 1,188,874,963,688.27 | 1.34% |
CITY SAVINGS BANK INC | 531,068,678.18 | 44,470,597,089.71 | 1.19% |
BANK OF THE PHIL ISLANDS | 7,351,999,296.85 | 633,893,057,501.13 | 1.16% |
RIZAL COMM'L BANKING CORP | 2,139,606,438.85 | 203,942,688,069.14 | 1.05% |
ASIA UNITED BANK CORPORATION | 460,714,804.30 | 69,360,688,111.77 | 0.66% |
SECURITY BANK CORP | 1,180,934,434.60 | 182,343,370,944.22 | 0.65% |
KOREA EXCHANGE BANK | 23,550,179.88 | 3,956,876,098.82 | 0.60% |
AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 1,092,048.97 | 188,530,366.10 | 0.58% |
METROPOLITAN BANK & TCO | 2,456,299,278.71 | 693,943,171,873.43 | 0.35% |
BANK OF CHINA LIMITED-MANILA BRANCH | 8,660,895.91 | 9,208,622,577.50 | 0.09% |
ANZ BANKING GROUP LTD | 23,339,114.85 | 27,372,020,430.10 | 0.09% |
BANGKOK BANK PUBLIC CO LTD | 4,714,155.55 | 7,406,446,476.66 | 0.06% |
JP MORGAN CHASE BANK NATIONAL ASSN. | 734,885.22 | 23,070,257,639.47 | 0.00% |
INTERNATIONALE NEDERLANDEN GROEP BK | 91.44 | 19,988,603,561.60 | 0.00% |
BANK OF AMERICA N.A. | 4.00 | 1,774,385,038.41 | 0.00% |
BDO PRIVATE BANK, INC. | 0.00 | 5,734,443,961.81 | 0.00% |
DEUTSCHE BANK AG | 0.00 | 16,177,672,320.09 | 0.00% |
ISLA BANK(A THRIFT BANK) INC | 0.00 | 712,370,894.75 | 0.00% |
MEGA INT'L COMM'L BANK CO LTD | 0.00 | 10,108,776,266.06 | 0.00% |
MIZUHO BANK LTD - MANILA BRANCH | 0.00 | 21,583,310,006.33 | 0.00% |
THE BNK OF TOKYO-MITSUBISHI UFJ LTD | 0.00 | 36,367,748,946.23 | 0.00% |
BDO ELITE SAVINGS BANK INC | 0.00 | 0.00 | NA |
Grand Total | 118,018,574,232.94 | 5,691,511,763,967.37 | 2.07% |
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:
- Progress Savings and Loan Bank Inc. (86.04% of TLP)
- Comsavings Bank (85.21% of TLP)
- Sampaguita Savings Bank Inc. (53.82% of TLP)
- Northpoint Development Bank (52.69% of TLP)
- United Overseas Bank Philippines (47.89% of TLP)
- Bataan Development Bank (42.28% of TLP)
- Opportunity Kauswagan Bank (36.88% of TLP)
- World Partners Bank (35.27% of TLP)
- Legazpi Savings Bank Inc (34.64% of TLP)
- Comsavings Bank (formerly GSIS Family Bank)
- Bataan Development Bank
- World Partners Bank
- Legazpi Savings 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 9.87% of Stockholders Equity as of December 31, 2014.
Philippine Banking System | |||
NPL as % of SE | |||
December 31, 2014 | |||
NPL | SE | NPL/SE | |
Bank | (In PHP) | (In PHP) | (In %) |
COMSAVINGS BANK | 191,248,204.56 | 51,557,430.04 | 370.94% |
OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE THRIFT BANK) | 108,578,097.44 | 55,948,645.14 | 194.07% |
WORLD PARTNERS BANK (A THRIFT BANK) | 125,221,140.33 | 80,643,986.91 | 155.28% |
PLANTERS DEVELOPMENT BANK | 2,986,078,255.90 | 2,187,804,734.29 | 136.49% |
LEGAZPI SAVINGS BANK INC | 396,005,098.56 | 304,192,760.13 | 130.18% |
BATAAN DEVELOPMENT BANK | 75,627,159.93 | 71,576,468.39 | 105.66% |
MALAYAN BANK SAVINGS AND MORT BANK INC | 637,584,938.74 | 969,251,350.17 | 65.78% |
SECURITY BANK SAVINGS CORPORATION | 650,408,422.57 | 1,074,321,783.93 | 60.54% |
NORTHPOINT DEV'T BANK INC | 114,135,388.27 | 188,592,014.32 | 60.52% |
EQUICOM SAVINGS BANK INC | 388,602,197.37 | 667,176,129.84 | 58.25% |
LUZON DEVELOPMENT BANK | 297,480,192.36 | 523,936,166.23 | 56.78% |
FARMERS SAVINGS & LOAN BANK INC | 59,842,676.39 | 107,747,607.25 | 55.54% |
PHIL POSTAL SAVINGS BANK INC | 527,067,640.97 | 975,558,653.14 | 54.03% |
UNITED OVERSEAS BANK PHILIPPINES | 665,442,006.65 | 1,289,507,257.01 | 51.60% |
THE PALAWAN BANK (PALAWAN DB) INC | 14,496,773.68 | 32,294,845.89 | 44.89% |
SAMPAGUITA SAVINGS BANK INC | 24,560,366.62 | 55,352,039.07 | 44.37% |
WEALTH DEVELOPMENT BANK CORPORATION | 183,529,436.71 | 413,815,470.23 | 44.35% |
STERLING BANK OF ASIA INC (A SAVINGS BANK) | 929,883,309.51 | 2,117,064,844.85 | 43.92% |
PAMPANGA DEVELOPMENT BANK | 53,348,257.64 | 123,946,940.03 | 43.04% |
1ST VALLEY BANK INC A DEVELOPMENT BANK | 515,249,846.22 | 1,220,634,654.64 | 42.21% |
STANDARD CHARTERED BANK | 2,547,665,279.70 | 6,135,671,499.22 | 41.52% |
ENTERPRISE BANK INC (A THRIFT BANK) | 96,877,675.31 | 241,377,373.20 | 40.14% |
PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 114,286,992.86 | 288,584,995.92 | 39.60% |
VILLAGE BANK INC (A THRIFT BANK) | 28,089,103.74 | 74,568,904.10 | 37.67% |
MARITIME SAVINGS BANK CORPORATION | 22,442,294.91 | 63,570,191.70 | 35.30% |
TONGYANG SAVINGS BANK INC | 119,770,252.32 | 380,519,964.95 | 31.48% |
RCBC SAVINGS BANK INC | 2,347,905,349.52 | 8,169,102,935.60 | 28.74% |
DUNGGANON BANK (A MICROFINANCE THRIFT BANK) INC | 26,681,234.39 | 93,527,563.09 | 28.53% |
UNITED COCONUT PLANTERS BANK | 5,416,218,477.28 | 19,085,612,213.74 | 28.38% |
PHILIPPINE VETERANS BANK | 1,643,267,349.87 | 5,957,168,770.43 | 27.58% |
EAST WEST BANKING CORP | 5,576,281,317.76 | 20,745,696,557.09 | 26.88% |
PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS | 500,503,576.05 | 1,938,330,419.80 | 25.82% |
CHINA BANK SAVINGS INC | 662,261,289.23 | 2,636,463,097.36 | 25.12% |
UCPB SAVINGS BANK | 472,269,678.32 | 1,989,871,530.52 | 23.73% |
CITIBANK, N.A. | 3,126,649,482.40 | 13,410,800,271.40 | 23.31% |
PHIL SAVINGS BANK | 3,865,493,882.61 | 16,681,173,735.63 | 23.17% |
BPI FAMILY SAVINGS BANK INC | 4,890,790,457.85 | 21,878,039,272.60 | 22.35% |
PRODUCERS SAVINGS BANK CORPORATION | 269,904,315.20 | 1,294,255,217.82 | 20.85% |
MALASIQUI PROGRESSIVE SLB, INC | 10,389,393.25 | 53,734,817.35 | 19.33% |
PHIL BANK OF COMMUNICATIONS | 1,586,752,249.52 | 8,229,622,845.02 | 19.28% |
UNION BANK OF THE PHILS | 9,906,489,975.31 | 51,917,273,142.12 | 19.08% |
METRO CEBU PUBLIC SAVINGS BANK | 11,494,835.36 | 62,954,893.13 | 18.26% |
DUMAGUETE CITY DEV BANK INC | 41,174,656.59 | 232,313,049.70 | 17.72% |
BANK OF COMMERCE | 2,574,468,973.68 | 15,588,633,047.75 | 16.52% |
BUSINESS AND CONSUMERS BANK (A DB) | 13,926,629.29 | 84,786,025.62 | 16.43% |
FIRST CONSOLIDATED BANK INC (A PDB) | 464,360,958.42 | 2,863,758,672.50 | 16.22% |
INTER-ASIA DEVELOPMENT BANK | 8,624,018.49 | 53,229,095.13 | 16.20% |
CORDILLERA SAVINGS BANK INC | 17,383,076.12 | 116,139,748.78 | 14.97% |
MAYBANK PHILIPPINES INC | 1,482,039,353.94 | 10,427,672,613.35 | 14.21% |
LIFE SAVINGS BANK INC | 9,393,674.72 | 71,318,816.97 | 13.17% |
DEVELOPMENT BANK OF THE PHIL | 5,514,108,975.79 | 42,653,844,817.96 | 12.93% |
BPI DIRECT SAVINGS BANK INC | 160,442,838.35 | 1,257,488,906.14 | 12.76% |
PHIL STAR DEVELOPMENT BANK INC | 8,288,381.02 | 75,863,517.57 | 10.93% |
PHIL NATIONAL BANK | 9,920,812,722.51 | 91,074,332,529.79 | 10.89% |
TOWER DEVELOPMENT BANK | 12,823,403.45 | 119,813,934.58 | 10.70% |
ROBINSONS BANK CORPORATION | 544,355,086.03 | 5,621,867,397.15 | 9.68% |
HONGKONG & SHANGHAI BANKING CORP | 1,326,767,656.33 | 14,233,431,377.81 | 9.32% |
LAND BANK OF THE PHILIPPINES | 6,821,304,507.20 | 75,234,783,027.35 | 9.07% |
SUN SAVINGS BANK INC | 9,255,437.42 | 103,480,637.71 | 8.94% |
CITY SAVINGS BANK INC | 531,068,678.18 | 5,971,597,899.22 | 8.89% |
BDO UNIBANK INC | 15,898,690,558.16 | 179,059,857,129.42 | 8.88% |
HIYAS BANKING CORPORATION | 13,458,793.88 | 163,812,636.61 | 8.22% |
LEMERY SAVINGS & LOAN BANK, INC. | 6,183,105.10 | 75,527,595.02 | 8.19% |
PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 621,409,966.16 | 8,128,989,824.54 | 7.64% |
CHINA BANKING CORP | 3,956,317,691.92 | 52,562,931,995.96 | 7.53% |
CARD SME BANK INC A THRIFT BANK | 28,119,896.47 | 380,897,597.73 | 7.38% |
CTBC BANK (PHILIPPINES) CORP | 446,996,685.64 | 6,517,843,338.80 | 6.86% |
UNIVERSITY SAVINGS BANK INC | 26,945,351.73 | 396,019,827.49 | 6.80% |
QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 41,828,094.46 | 665,066,001.89 | 6.29% |
BANK OF THE PHIL ISLANDS | 7,351,999,296.85 | 138,558,330,200.82 | 5.31% |
PHIL TRUST COMPANY | 1,114,639,478.98 | 23,149,137,314.30 | 4.82% |
RIZAL COMM'L BANKING CORP | 2,139,606,438.85 | 52,906,032,378.78 | 4.04% |
CENTURY SAVINGS BANK CORPORATION | 35,860,740.62 | 926,046,140.29 | 3.87% |
BATAAN SAVINGS AND LOAN BANK | 2,344,022.09 | 62,701,719.89 | 3.74% |
QUEZON COCONUT BANK INC (A THRIFT BANK) | 2,228,732.89 | 60,384,885.53 | 3.69% |
ALLIED SAVINGS BANK | 402,721,413.68 | 11,051,756,508.35 | 3.64% |
HSBC SAVINGS BANK(PHILS) INC | 78,330,181.73 | 2,153,204,490.35 | 3.64% |
BANK ONE SAVINGS AND TRUST CORP. | 15,304,127.53 | 559,078,408.27 | 2.74% |
OPTIMUM DEVELOPMENT BANK INC | 19,293,633.32 | 742,754,108.09 | 2.60% |
SECURITY BANK CORP | 1,180,934,434.60 | 46,752,054,373.79 | 2.53% |
ASIA UNITED BANK CORPORATION | 460,714,804.30 | 20,067,313,151.29 | 2.30% |
KOREA EXCHANGE BANK | 23,550,179.88 | 1,309,725,034.11 | 1.80% |
MERCHANTS SAVINGS & LOAN ASSN INC | 7,516,719.70 | 432,072,361.75 | 1.74% |
METROPOLITAN BANK & TCO | 2,456,299,278.71 | 143,782,847,507.06 | 1.71% |
PROGRESS SAVINGS AND LOAN BANK INC | 1,266,509.04 | 83,525,324.63 | 1.52% |
ANZ BANKING GROUP LTD | 23,339,114.85 | 4,329,270,268.11 | 0.54% |
BANK OF CHINA LIMITED-MANILA BRANCH | 8,660,895.91 | 2,694,837,350.55 | 0.32% |
AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 1,092,048.97 | 373,732,861.42 | 0.29% |
BANGKOK BANK PUBLIC CO LTD | 4,714,155.55 | 3,117,972,365.47 | 0.15% |
JP MORGAN CHASE BANK NATIONAL ASSN. | 734,885.22 | 1,481,859,799.42 | 0.05% |
INTERNATIONALE NEDERLANDEN GROEP BK | 91.44 | 11,960,468,678.96 | 0.00% |
BANK OF AMERICA N.A. | 4.00 | 2,096,061,205.20 | 0.00% |
BDO ELITE SAVINGS BANK INC | 0.00 | 801,631,814.12 | 0.00% |
BDO PRIVATE BANK, INC. | 0.00 | 5,788,757,390.89 | 0.00% |
DEUTSCHE BANK AG | 0.00 | 2,819,574,200.68 | 0.00% |
ISLA BANK(A THRIFT BANK) INC | 0.00 | 657,505,825.66 | 0.00% |
MEGA INT'L COMM'L BANK CO LTD | 0.00 | 2,033,655,487.53 | 0.00% |
MIZUHO BANK LTD - MANILA BRANCH | 0.00 | 2,780,650,478.67 | 0.00% |
THE BNK OF TOKYO-MITSUBISHI UFJ LTD | 0.00 | 4,817,817,299.22 | 0.00% |
Grand Total | 118,018,574,232.94 | 1,195,924,903,989.03 | 9.87% |
Source: www.bsp.gov.ph
Of the 99 banks in this list, twenty-six banks have a Gross NPL to Stockholders Equity Ratio of 30% or more as of December 31, 2014. These banks are as follows:
- Comsavings Bank (370.94% of SE)
- Opportunity Kauswagan Bank, Inc. (194.07% of SE)
- World Partners Bank (155.28% of SE)
- Planters Development Bank (136.49% of SE)
- Legazpi Savings Bank (130.18% of SE)
- Bataan Development Bank (105.66% of SE)
- Malayan Bank Savings and Mortgage Bank (65.78% of SE)
- Security Bank Savings Corporation (60.54% of SE)
- Northpoint Development Bank (60.52% of SE)
- Equicom Savings Bank Inc. (58.25% of SE)
- Luzon Development Bank (56.78% of SE)
- Farmers Savings & Loan Bank Inc. (55.54% of SE)
- Philippine Postal Savings Bank (54.03% of SE)
- United Overseas Bank Philippines (51.60% of SE)
- The Palawan Bank (44.89% of SE)
- Sampaguita Savings Bank (44.37% of SE)
- Wealth Development Bank Corporation (44.35% of SE)
- Sterling Bank of Asia, Inc. (43.92% of SE)
- Pampanga Development Bank (43.04% of SE)
- 1st Valley Bank Inc (42.21% of SE)
- Standard Chartered Bank (41.52% of SE)
- Enterprise Bank Inc. (40.14% of SE)
- Penbank Inc. (39.60% of SE)
- Village Bank Inc (37.67% of SE)
- Maritime Savings Bank Corporation (35.30% of SE)
- TongYang Savings Bank Inc (31.48% 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 3.96% of their Total Loan Portfolio as of December 31, 2014. Of the 99 banks, twenty-six banks reported having no DOSRI Loans. Of the seventy-one banks with DOSRI Loans, thirty-eight banks had DOSRI Loans that made up less than 1% of their Total Loan Portfolios. However, five banks had DOSRI Loans that comprised more than 15% of their Total Loan Portfolios. They are as follows:
- World Partners Bank (25.75% of TLP)
- Malasiqui Progressive SLB, Inc. (25.52% of TLP)
- Development Bank of the Philippines (23.69% of TLP)
- Queen City Development Bank (19.52% of TLP)
- Land Bank of the Philippines (15.75% of TLP)
Philippine Banking System | |||
DOSRI as % of TLP | |||
December 31, 2014 | |||
DOSRI | TLP | DOSRI/TLP | |
Bank | (In Php) | (In PHP) | (In %) |
WORLD PARTNERS BANK (A THRIFT BANK) | 91,416,487.53 | 355,001,455.05 | 25.75% |
MALASIQUI PROGRESSIVE SLB, INC | 10,656,500.00 | 41,762,803.30 | 25.52% |
DEVELOPMENT BANK OF THE PHIL | 39,110,977,800.38 | 165,114,260,001.00 | 23.69% |
QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 226,380,276.69 | 1,159,920,117.43 | 19.52% |
LAND BANK OF THE PHILIPPINES | 72,481,590,529.23 | 460,251,195,185.46 | 15.75% |
PAMPANGA DEVELOPMENT BANK | 37,947,625.49 | 274,619,153.93 | 13.82% |
VILLAGE BANK INC (A THRIFT BANK) | 47,651,611.15 | 387,809,326.29 | 12.29% |
LIFE SAVINGS BANK INC | 9,137,754.13 | 75,693,456.89 | 12.07% |
HIYAS BANKING CORPORATION | 21,762,907.79 | 206,622,716.21 | 10.53% |
TOWER DEVELOPMENT BANK | 18,963,853.96 | 218,051,301.87 | 8.70% |
PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 156,085,847.26 | 1,869,310,121.38 | 8.35% |
DUMAGUETE CITY DEV BANK INC | 39,761,525.97 | 482,179,707.58 | 8.25% |
EAST WEST BANKING CORP | 8,085,549,980.06 | 117,705,101,916.13 | 6.87% |
INTER-ASIA DEVELOPMENT BANK | 6,353,094.96 | 119,282,904.56 | 5.33% |
PHIL NATIONAL BANK | 13,740,252,378.18 | 289,718,191,822.47 | 4.74% |
BDO UNIBANK INC | 47,690,886,034.45 | 1,188,874,963,688.27 | 4.01% |
QUEZON COCONUT BANK INC (A THRIFT BANK) | 1,584,767.56 | 40,286,604.61 | 3.93% |
ROBINSONS BANK CORPORATION | 852,179,565.04 | 22,321,519,424.21 | 3.82% |
COMSAVINGS BANK | 8,150,097.57 | 224,455,453.84 | 3.63% |
OPTIMUM DEVELOPMENT BANK INC | 34,550,784.37 | 961,017,324.33 | 3.60% |
CENTURY SAVINGS BANK CORPORATION | 26,741,027.86 | 757,782,726.23 | 3.53% |
OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE THRIFT BANK) | 9,692,714.46 | 294,400,369.94 | 3.29% |
PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 1,227,156,442.27 | 39,472,635,518.38 | 3.11% |
BANK OF THE PHIL ISLANDS | 18,244,987,065.42 | 633,893,057,501.13 | 2.88% |
PHIL SAVINGS BANK | 2,802,720,371.86 | 100,708,954,019.31 | 2.78% |
RIZAL COMM'L BANKING CORP | 5,344,614,212.09 | 203,942,688,069.14 | 2.62% |
PHIL TRUST COMPANY | 985,000,000.00 | 37,772,365,202.65 | 2.61% |
CHINA BANKING CORP | 5,896,399,344.77 | 249,953,798,769.83 | 2.36% |
BANK OF AMERICA N.A. | 40,272,641.68 | 1,774,385,038.41 | 2.27% |
PHIL POSTAL SAVINGS BANK INC | 91,794,016.99 | 5,729,831,549.37 | 1.60% |
CORDILLERA SAVINGS BANK INC | 2,595,383.85 | 177,959,029.59 | 1.46% |
HSBC SAVINGS BANK(PHILS) INC | 60,605,934.87 | 4,794,535,932.60 | 1.26% |
PRODUCERS SAVINGS BANK CORPORATION | 73,716,157.82 | 5,986,473,682.02 | 1.23% |
THE PALAWAN BANK (PALAWAN DB) INC | 2,103,723.11 | 235,215,674.00 | 0.89% |
MARITIME SAVINGS BANK CORPORATION | 1,197,845.00 | 140,986,578.65 | 0.85% |
HONGKONG & SHANGHAI BANKING CORP | 429,140,913.62 | 56,233,320,619.44 | 0.76% |
UNION BANK OF THE PHILS | 1,088,561,889.63 | 151,168,216,222.59 | 0.72% |
METROPOLITAN BANK & TCO | 4,867,691,380.90 | 693,943,171,873.43 | 0.70% |
WEALTH DEVELOPMENT BANK CORPORATION | 19,718,392.42 | 3,178,933,133.31 | 0.62% |
PHILIPPINE VETERANS BANK | 40,852,129.34 | 11,738,943,759.59 | 0.35% |
MALAYAN BANK SAVINGS AND MORT BANK INC | 13,955,095.55 | 4,070,228,077.46 | 0.34% |
STERLING BANK OF ASIA INC (A SAVINGS BANK) | 56,361,646.97 | 16,595,401,071.36 | 0.34% |
SECURITY BANK CORP | 514,211,789.84 | 182,343,370,944.22 | 0.28% |
UNITED COCONUT PLANTERS BANK | 249,303,896.35 | 110,294,172,625.32 | 0.23% |
JP MORGAN CHASE BANK NATIONAL ASSN. | 44,865,403.22 | 23,070,257,639.47 | 0.19% |
LUZON DEVELOPMENT BANK | 5,420,869.02 | 3,172,485,979.80 | 0.17% |
TONGYANG SAVINGS BANK INC | 1,222,666.69 | 743,348,604.02 | 0.16% |
PLANTERS DEVELOPMENT BANK | 51,433,099.18 | 31,384,921,013.97 | 0.16% |
ISLA BANK(A THRIFT BANK) INC | 1,040,415.27 | 712,370,894.75 | 0.15% |
SECURITY BANK SAVINGS CORPORATION | 11,866,335.72 | 8,191,899,864.03 | 0.14% |
ASIA UNITED BANK CORPORATION | 89,003,729.36 | 69,360,688,111.77 | 0.13% |
ANZ BANKING GROUP LTD | 33,647,169.57 | 27,372,020,430.10 | 0.12% |
CTBC BANK (PHILIPPINES) CORP | 21,475,723.50 | 18,040,804,976.14 | 0.12% |
FIRST CONSOLIDATED BANK INC (A PDB) | 9,622,599.32 | 8,681,242,227.54 | 0.11% |
CHINA BANK SAVINGS INC | 14,044,607.99 | 14,394,949,451.64 | 0.10% |
PHIL BANK OF COMMUNICATIONS | 26,373,135.98 | 28,027,449,272.39 | 0.09% |
RCBC SAVINGS BANK INC | 49,028,071.60 | 52,675,478,381.23 | 0.09% |
FARMERS SAVINGS & LOAN BANK INC | 184,008.44 | 238,503,642.20 | 0.08% |
ENTERPRISE BANK INC (A THRIFT BANK) | 1,030,090.33 | 1,542,347,303.02 | 0.07% |
CITY SAVINGS BANK INC | 27,996,146.42 | 44,470,597,089.71 | 0.06% |
STANDARD CHARTERED BANK | 17,546,499.65 | 36,252,890,927.69 | 0.05% |
UCPB SAVINGS BANK | 4,896,221.85 | 10,284,250,040.58 | 0.05% |
MAYBANK PHILIPPINES INC | 18,500,000.00 | 48,485,373,592.33 | 0.04% |
THE BNK OF TOKYO-MITSUBISHI UFJ LTD | 13,512,810.53 | 36,367,748,946.23 | 0.04% |
BPI FAMILY SAVINGS BANK INC | 29,102,001.07 | 168,393,423,339.95 | 0.02% |
KOREA EXCHANGE BANK | 532,000.00 | 3,956,876,098.82 | 0.01% |
BANK OF COMMERCE | 5,484,563.02 | 43,433,101,345.44 | 0.01% |
LEGAZPI SAVINGS BANK INC | 116,700.53 | 1,143,131,002.43 | 0.01% |
BPI DIRECT SAVINGS BANK INC | 455,506.67 | 7,398,455,536.93 | 0.01% |
UNITED OVERSEAS BANK PHILIPPINES | 21,747.93 | 1,389,451,558.58 | 0.00% |
CITIBANK, N.A. | 162,471.05 | 116,077,710,245.65 | 0.00% |
1ST VALLEY BANK INC A DEVELOPMENT BANK | 0.00 | 5,180,264,126.00 | 0.00% |
AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 0.00 | 188,530,366.10 | 0.00% |
ALLIED SAVINGS BANK | 0.00 | 8,966,343,417.83 | 0.00% |
BANGKOK BANK PUBLIC CO LTD | 0.00 | 7,406,446,476.66 | 0.00% |
BANK OF CHINA LIMITED-MANILA BRANCH | 0.00 | 9,208,622,577.50 | 0.00% |
BANK ONE SAVINGS AND TRUST CORP. | 0.00 | 391,219,042.93 | 0.00% |
BATAAN DEVELOPMENT BANK | 0.00 | 178,888,803.82 | 0.00% |
BATAAN SAVINGS AND LOAN BANK | 0.00 | 39,459,042.55 | 0.00% |
BDO PRIVATE BANK, INC. | 0.00 | 5,734,443,961.81 | 0.00% |
BUSINESS AND CONSUMERS BANK (A DB) | 0.00 | 144,138,100.82 | 0.00% |
CARD SME BANK INC A THRIFT BANK | 0.00 | 1,358,231,501.68 | 0.00% |
DEUTSCHE BANK AG | 0.00 | 16,177,672,320.09 | 0.00% |
DUNGGANON BANK (A MICROFINANCE THRIFT BANK) INC | 0.00 | 119,460,063.38 | 0.00% |
EQUICOM SAVINGS BANK INC | 0.00 | 3,734,575,764.83 | 0.00% |
INTERNATIONALE NEDERLANDEN GROEP BK | 0.00 | 19,988,603,561.60 | 0.00% |
LEMERY SAVINGS & LOAN BANK, INC. | 0.00 | 59,562,547.31 | 0.00% |
MEGA INT'L COMM'L BANK CO LTD | 0.00 | 10,108,776,266.06 | 0.00% |
MERCHANTS SAVINGS & LOAN ASSN INC | 0.00 | 318,018,528.51 | 0.00% |
METRO CEBU PUBLIC SAVINGS BANK | 0.00 | 64,798,481.82 | 0.00% |
MIZUHO BANK LTD - MANILA BRANCH | 0.00 | 21,583,310,006.33 | 0.00% |
NORTHPOINT DEV'T BANK INC | 0.00 | 216,632,937.02 | 0.00% |
PHIL STAR DEVELOPMENT BANK INC | 0.00 | 43,519,666.20 | 0.00% |
PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS | 0.00 | 8,638,908,279.52 | 0.00% |
PROGRESS SAVINGS AND LOAN BANK INC | 0.00 | 1,472,078.37 | 0.00% |
SAMPAGUITA SAVINGS BANK INC | 0.00 | 45,633,566.20 | 0.00% |
SUN SAVINGS BANK INC | 0.00 | 324,518,794.68 | 0.00% |
UNIVERSITY SAVINGS BANK INC | 0.00 | 425,863,698.56 | 0.00% |
BDO ELITE SAVINGS BANK INC | 0.00 | 0.00 | NA |
Grand Total | 225,239,818,032.35 | 5,691,511,763,967.37 | 3.96% |
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 18.83% of Stockholders Equity as of December 31, 2014.
Three banks have DOSRI Loans that exceed 80% of their capital. These are as follows:
- World Partners Bank (113.36% of SE)
- Land Bank of the Philippines (96.34% of SE)
- Development Bank of the Philippines (91.69% of SE)
Philippine Banking System | |||
DOSRI as % of Stockholders Equity | |||
December 31, 2014 | |||
DOSRI | SE | DOSRI/SE | |
Bank | (In Php) | (In PHP) | (In %) |
WORLD PARTNERS BANK (A THRIFT BANK) | 91,416,487.53 | 80,643,986.91 | 113.36% |
LAND BANK OF THE PHILIPPINES | 72,481,590,529.23 | 75,234,783,027.35 | 96.34% |
DEVELOPMENT BANK OF THE PHIL | 39,110,977,800.38 | 42,653,844,817.96 | 91.69% |
VILLAGE BANK INC (A THRIFT BANK) | 47,651,611.15 | 74,568,904.10 | 63.90% |
PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 156,085,847.26 | 288,584,995.92 | 54.09% |
EAST WEST BANKING CORP | 8,085,549,980.06 | 20,745,696,557.09 | 38.97% |
QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 226,380,276.69 | 665,066,001.89 | 34.04% |
PAMPANGA DEVELOPMENT BANK | 37,947,625.49 | 123,946,940.03 | 30.62% |
BDO UNIBANK INC | 47,690,886,034.45 | 179,059,857,129.42 | 26.63% |
MALASIQUI PROGRESSIVE SLB, INC | 10,656,500.00 | 53,734,817.35 | 19.83% |
OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE THRIFT BANK) | 9,692,714.46 | 55,948,645.14 | 17.32% |
DUMAGUETE CITY DEV BANK INC | 39,761,525.97 | 232,313,049.70 | 17.12% |
PHIL SAVINGS BANK | 2,802,720,371.86 | 16,681,173,735.63 | 16.80% |
TOWER DEVELOPMENT BANK | 18,963,853.96 | 119,813,934.58 | 15.83% |
COMSAVINGS BANK | 8,150,097.57 | 51,557,430.04 | 15.81% |
ROBINSONS BANK CORPORATION | 852,179,565.04 | 5,621,867,397.15 | 15.16% |
PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 1,227,156,442.27 | 8,128,989,824.54 | 15.10% |
PHIL NATIONAL BANK | 13,740,252,378.18 | 91,074,332,529.79 | 15.09% |
HIYAS BANKING CORPORATION | 21,762,907.79 | 163,812,636.61 | 13.29% |
BANK OF THE PHIL ISLANDS | 18,244,987,065.42 | 138,558,330,200.82 | 13.17% |
LIFE SAVINGS BANK INC | 9,137,754.13 | 71,318,816.97 | 12.81% |
INTER-ASIA DEVELOPMENT BANK | 6,353,094.96 | 53,229,095.13 | 11.94% |
CHINA BANKING CORP | 5,896,399,344.77 | 52,562,931,995.96 | 11.22% |
RIZAL COMM'L BANKING CORP | 5,344,614,212.09 | 52,906,032,378.78 | 10.10% |
PHIL POSTAL SAVINGS BANK INC | 91,794,016.99 | 975,558,653.14 | 9.41% |
THE PALAWAN BANK (PALAWAN DB) INC | 2,103,723.11 | 32,294,845.89 | 6.51% |
PRODUCERS SAVINGS BANK CORPORATION | 73,716,157.82 | 1,294,255,217.82 | 5.70% |
WEALTH DEVELOPMENT BANK CORPORATION | 19,718,392.42 | 413,815,470.23 | 4.77% |
OPTIMUM DEVELOPMENT BANK INC | 34,550,784.37 | 742,754,108.09 | 4.65% |
PHIL TRUST COMPANY | 985,000,000.00 | 23,149,137,314.30 | 4.26% |
METROPOLITAN BANK & TCO | 4,867,691,380.90 | 143,782,847,507.06 | 3.39% |
JP MORGAN CHASE BANK NATIONAL ASSN. | 44,865,403.22 | 1,481,859,799.42 | 3.03% |
HONGKONG & SHANGHAI BANKING CORP | 429,140,913.62 | 14,233,431,377.81 | 3.02% |
CENTURY SAVINGS BANK CORPORATION | 26,741,027.86 | 926,046,140.29 | 2.89% |
HSBC SAVINGS BANK(PHILS) INC | 60,605,934.87 | 2,153,204,490.35 | 2.81% |
STERLING BANK OF ASIA INC (A SAVINGS BANK) | 56,361,646.97 | 2,117,064,844.85 | 2.66% |
QUEZON COCONUT BANK INC (A THRIFT BANK) | 1,584,767.56 | 60,384,885.53 | 2.62% |
PLANTERS DEVELOPMENT BANK | 51,433,099.18 | 2,187,804,734.29 | 2.35% |
CORDILLERA SAVINGS BANK INC | 2,595,383.85 | 116,139,748.78 | 2.23% |
UNION BANK OF THE PHILS | 1,088,561,889.63 | 51,917,273,142.12 | 2.10% |
BANK OF AMERICA N.A. | 40,272,641.68 | 2,096,061,205.20 | 1.92% |
MARITIME SAVINGS BANK CORPORATION | 1,197,845.00 | 63,570,191.70 | 1.88% |
MALAYAN BANK SAVINGS AND MORT BANK INC | 13,955,095.55 | 969,251,350.17 | 1.44% |
UNITED COCONUT PLANTERS BANK | 249,303,896.35 | 19,085,612,213.74 | 1.31% |
SECURITY BANK SAVINGS CORPORATION | 11,866,335.72 | 1,074,321,783.93 | 1.10% |
SECURITY BANK CORP | 514,211,789.84 | 46,752,054,373.79 | 1.10% |
LUZON DEVELOPMENT BANK | 5,420,869.02 | 523,936,166.23 | 1.03% |
ANZ BANKING GROUP LTD | 33,647,169.57 | 4,329,270,268.11 | 0.78% |
PHILIPPINE VETERANS BANK | 40,852,129.34 | 5,957,168,770.43 | 0.69% |
RCBC SAVINGS BANK INC | 49,028,071.60 | 8,169,102,935.60 | 0.60% |
CHINA BANK SAVINGS INC | 14,044,607.99 | 2,636,463,097.36 | 0.53% |
CITY SAVINGS BANK INC | 27,996,146.42 | 5,971,597,899.22 | 0.47% |
ASIA UNITED BANK CORPORATION | 89,003,729.36 | 20,067,313,151.29 | 0.44% |
ENTERPRISE BANK INC (A THRIFT BANK) | 1,030,090.33 | 241,377,373.20 | 0.43% |
FIRST CONSOLIDATED BANK INC (A PDB) | 9,622,599.32 | 2,863,758,672.50 | 0.34% |
CTBC BANK (PHILIPPINES) CORP | 21,475,723.50 | 6,517,843,338.80 | 0.33% |
TONGYANG SAVINGS BANK INC | 1,222,666.69 | 380,519,964.95 | 0.32% |
PHIL BANK OF COMMUNICATIONS | 26,373,135.98 | 8,229,622,845.02 | 0.32% |
STANDARD CHARTERED BANK | 17,546,499.65 | 6,135,671,499.22 | 0.29% |
THE BNK OF TOKYO-MITSUBISHI UFJ LTD | 13,512,810.53 | 4,817,817,299.22 | 0.28% |
UCPB SAVINGS BANK | 4,896,221.85 | 1,989,871,530.52 | 0.25% |
MAYBANK PHILIPPINES INC | 18,500,000.00 | 10,427,672,613.35 | 0.18% |
FARMERS SAVINGS & LOAN BANK INC | 184,008.44 | 107,747,607.25 | 0.17% |
ISLA BANK(A THRIFT BANK) INC | 1,040,415.27 | 657,505,825.66 | 0.16% |
BPI FAMILY SAVINGS BANK INC | 29,102,001.07 | 21,878,039,272.60 | 0.13% |
KOREA EXCHANGE BANK | 532,000.00 | 1,309,725,034.11 | 0.04% |
LEGAZPI SAVINGS BANK INC | 116,700.53 | 304,192,760.13 | 0.04% |
BPI DIRECT SAVINGS BANK INC | 455,506.67 | 1,257,488,906.14 | 0.04% |
BANK OF COMMERCE | 5,484,563.02 | 15,588,633,047.75 | 0.04% |
UNITED OVERSEAS BANK PHILIPPINES | 21,747.93 | 1,289,507,257.01 | 0.00% |
CITIBANK, N.A. | 162,471.05 | 13,410,800,271.40 | 0.00% |
1ST VALLEY BANK INC A DEVELOPMENT BANK | 0.00 | 1,220,634,654.64 | 0.00% |
AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 0.00 | 373,732,861.42 | 0.00% |
ALLIED SAVINGS BANK | 0.00 | 11,051,756,508.35 | 0.00% |
BANGKOK BANK PUBLIC CO LTD | 0.00 | 3,117,972,365.47 | 0.00% |
BANK OF CHINA LIMITED-MANILA BRANCH | 0.00 | 2,694,837,350.55 | 0.00% |
BANK ONE SAVINGS AND TRUST CORP. | 0.00 | 559,078,408.27 | 0.00% |
BATAAN DEVELOPMENT BANK | 0.00 | 71,576,468.39 | 0.00% |
BATAAN SAVINGS AND LOAN BANK | 0.00 | 62,701,719.89 | 0.00% |
BDO ELITE SAVINGS BANK INC | 0.00 | 801,631,814.12 | 0.00% |
BDO PRIVATE BANK, INC. | 0.00 | 5,788,757,390.89 | 0.00% |
BUSINESS AND CONSUMERS BANK (A DB) | 0.00 | 84,786,025.62 | 0.00% |
CARD SME BANK INC A THRIFT BANK | 0.00 | 380,897,597.73 | 0.00% |
DEUTSCHE BANK AG | 0.00 | 2,819,574,200.68 | 0.00% |
DUNGGANON BANK (A MICROFINANCE THRIFT BANK) INC | 0.00 | 93,527,563.09 | 0.00% |
EQUICOM SAVINGS BANK INC | 0.00 | 667,176,129.84 | 0.00% |
INTERNATIONALE NEDERLANDEN GROEP BK | 0.00 | 11,960,468,678.96 | 0.00% |
LEMERY SAVINGS & LOAN BANK, INC. | 0.00 | 75,527,595.02 | 0.00% |
MEGA INT'L COMM'L BANK CO LTD | 0.00 | 2,033,655,487.53 | 0.00% |
MERCHANTS SAVINGS & LOAN ASSN INC | 0.00 | 432,072,361.75 | 0.00% |
METRO CEBU PUBLIC SAVINGS BANK | 0.00 | 62,954,893.13 | 0.00% |
MIZUHO BANK LTD - MANILA BRANCH | 0.00 | 2,780,650,478.67 | 0.00% |
NORTHPOINT DEV'T BANK INC | 0.00 | 188,592,014.32 | 0.00% |
PHIL STAR DEVELOPMENT BANK INC | 0.00 | 75,863,517.57 | 0.00% |
PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS | 0.00 | 1,938,330,419.80 | 0.00% |
PROGRESS SAVINGS AND LOAN BANK INC | 0.00 | 83,525,324.63 | 0.00% |
SAMPAGUITA SAVINGS BANK INC | 0.00 | 55,352,039.07 | 0.00% |
SUN SAVINGS BANK INC | 0.00 | 103,480,637.71 | 0.00% |
UNIVERSITY SAVINGS BANK INC | 0.00 | 396,019,827.49 | 0.00% |
Grand Total | 225,239,818,032.35 | 1,195,924,903,989.03 | 18.83% |
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 411.092 million, or 0.18% of its DOSRI Loans fell past due as of December 31, 2014. Of the seventy-four banks with DOSRI Loans, fifty-eight banks had zero past due DOSRI Loans. Only one bank had past due DOSRI Loans exceeding 30% of their Total DOSRI Loan Portfolio as of December 31, 2014: Legazpi Savings Bank Inc with 40.84% of its DOSRI Loans past due.
Philippine Banking System | |||
DOSRI Past Due as % of DOSRI | |||
December 31, 2014 | |||
DOSRI Past Due | DOSRI | DOSRI Past Due/DOSRI | |
Bank | (In PHP) | (In PHP) | (In %) |
LEGAZPI SAVINGS BANK INC | 47,665.89 | 116,700.53 | 40.84% |
PHIL SAVINGS BANK | 395,877,638.29 | 2,802,720,371.86 | 14.12% |
UNITED COCONUT PLANTERS BANK | 3,132,453.52 | 249,303,896.35 | 1.26% |
PHIL BANK OF COMMUNICATIONS | 219,120.15 | 26,373,135.98 | 0.83% |
CHINA BANK SAVINGS INC | 60,309.44 | 14,044,607.99 | 0.43% |
MALAYAN BANK SAVINGS AND MORT BANK INC | 55,652.28 | 13,955,095.55 | 0.40% |
UNITED OVERSEAS BANK PHILIPPINES | 36.00 | 21,747.93 | 0.17% |
BANK OF THE PHIL ISLANDS | 9,088,598.40 | 18,244,987,065.42 | 0.05% |
RIZAL COMM'L BANKING CORP | 1,130,985.99 | 5,344,614,212.09 | 0.02% |
PHIL NATIONAL BANK | 313,058.29 | 13,740,252,378.18 | 0.00% |
BDO UNIBANK INC | 563,116.77 | 47,690,886,034.45 | 0.00% |
LAND BANK OF THE PHILIPPINES | 556,437.68 | 72,481,590,529.23 | 0.00% |
EAST WEST BANKING CORP | 47,084.34 | 8,085,549,980.06 | 0.00% |
ANZ BANKING GROUP LTD | 0.00 | 33,647,169.57 | 0.00% |
ASIA UNITED BANK CORPORATION | 0.00 | 89,003,729.36 | 0.00% |
BANK OF AMERICA N.A. | 0.00 | 40,272,641.68 | 0.00% |
BANK OF COMMERCE | 0.00 | 5,484,563.02 | 0.00% |
BPI DIRECT SAVINGS BANK INC | 0.00 | 455,506.67 | 0.00% |
BPI FAMILY SAVINGS BANK INC | 0.00 | 29,102,001.07 | 0.00% |
CENTURY SAVINGS BANK CORPORATION | 0.00 | 26,741,027.86 | 0.00% |
CHINA BANKING CORP | 0.00 | 5,896,399,344.77 | 0.00% |
CITIBANK, N.A. | 0.00 | 162,471.05 | 0.00% |
CITY SAVINGS BANK INC | 0.00 | 27,996,146.42 | 0.00% |
COMSAVINGS BANK | 0.00 | 8,150,097.57 | 0.00% |
CORDILLERA SAVINGS BANK INC | 0.00 | 2,595,383.85 | 0.00% |
CTBC BANK (PHILIPPINES) CORP | 0.00 | 21,475,723.50 | 0.00% |
DEVELOPMENT BANK OF THE PHIL | 0.00 | 39,110,977,800.38 | 0.00% |
DUMAGUETE CITY DEV BANK INC | 0.00 | 39,761,525.97 | 0.00% |
ENTERPRISE BANK INC (A THRIFT BANK) | 0.00 | 1,030,090.33 | 0.00% |
FARMERS SAVINGS & LOAN BANK INC | 0.00 | 184,008.44 | 0.00% |
FIRST CONSOLIDATED BANK INC (A PDB) | 0.00 | 9,622,599.32 | 0.00% |
HIYAS BANKING CORPORATION | 0.00 | 21,762,907.79 | 0.00% |
HONGKONG & SHANGHAI BANKING CORP | 0.00 | 429,140,913.62 | 0.00% |
HSBC SAVINGS BANK(PHILS) INC | 0.00 | 60,605,934.87 | 0.00% |
INTER-ASIA DEVELOPMENT BANK | 0.00 | 6,353,094.96 | 0.00% |
ISLA BANK(A THRIFT BANK) INC | 0.00 | 1,040,415.27 | 0.00% |
JP MORGAN CHASE BANK NATIONAL ASSN. | 0.00 | 44,865,403.22 | 0.00% |
KOREA EXCHANGE BANK | 0.00 | 532,000.00 | 0.00% |
LIFE SAVINGS BANK INC | 0.00 | 9,137,754.13 | 0.00% |
LUZON DEVELOPMENT BANK | 0.00 | 5,420,869.02 | 0.00% |
MALASIQUI PROGRESSIVE SLB, INC | 0.00 | 10,656,500.00 | 0.00% |
MARITIME SAVINGS BANK CORPORATION | 0.00 | 1,197,845.00 | 0.00% |
MAYBANK PHILIPPINES INC | 0.00 | 18,500,000.00 | 0.00% |
METROPOLITAN BANK & TCO | 0.00 | 4,867,691,380.90 | 0.00% |
OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE THRIFT BANK) | 0.00 | 9,692,714.46 | 0.00% |
OPTIMUM DEVELOPMENT BANK INC | 0.00 | 34,550,784.37 | 0.00% |
PAMPANGA DEVELOPMENT BANK | 0.00 | 37,947,625.49 | 0.00% |
PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 0.00 | 156,085,847.26 | 0.00% |
PHIL POSTAL SAVINGS BANK INC | 0.00 | 91,794,016.99 | 0.00% |
PHIL TRUST COMPANY | 0.00 | 985,000,000.00 | 0.00% |
PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 0.00 | 1,227,156,442.27 | 0.00% |
PHILIPPINE VETERANS BANK | 0.00 | 40,852,129.34 | 0.00% |
PLANTERS DEVELOPMENT BANK | 0.00 | 51,433,099.18 | 0.00% |
PRODUCERS SAVINGS BANK CORPORATION | 0.00 | 73,716,157.82 | 0.00% |
QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 0.00 | 226,380,276.69 | 0.00% |
QUEZON COCONUT BANK INC (A THRIFT BANK) | 0.00 | 1,584,767.56 | 0.00% |
RCBC SAVINGS BANK INC | 0.00 | 49,028,071.60 | 0.00% |
ROBINSONS BANK CORPORATION | 0.00 | 852,179,565.04 | 0.00% |
SECURITY BANK CORP | 0.00 | 514,211,789.84 | 0.00% |
SECURITY BANK SAVINGS CORPORATION | 0.00 | 11,866,335.72 | 0.00% |
STANDARD CHARTERED BANK | 0.00 | 17,546,499.65 | 0.00% |
STERLING BANK OF ASIA INC (A SAVINGS BANK) | 0.00 | 56,361,646.97 | 0.00% |
THE BNK OF TOKYO-MITSUBISHI UFJ LTD | 0.00 | 13,512,810.53 | 0.00% |
THE PALAWAN BANK (PALAWAN DB) INC | 0.00 | 2,103,723.11 | 0.00% |
TONGYANG SAVINGS BANK INC | 0.00 | 1,222,666.69 | 0.00% |
TOWER DEVELOPMENT BANK | 0.00 | 18,963,853.96 | 0.00% |
UCPB SAVINGS BANK | 0.00 | 4,896,221.85 | 0.00% |
UNION BANK OF THE PHILS | 0.00 | 1,088,561,889.63 | 0.00% |
VILLAGE BANK INC (A THRIFT BANK) | 0.00 | 47,651,611.15 | 0.00% |
WEALTH DEVELOPMENT BANK CORPORATION | 0.00 | 19,718,392.42 | 0.00% |
WORLD PARTNERS BANK (A THRIFT BANK) | 0.00 | 91,416,487.53 | 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 |
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 |
BANK ONE SAVINGS AND TRUST CORP. | 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 |
BUSINESS AND CONSUMERS BANK (A DB) | 0.00 | 0.00 | NA |
CARD SME BANK INC A THRIFT BANK | 0.00 | 0.00 | NA |
DEUTSCHE BANK AG | 0.00 | 0.00 | NA |
DUNGGANON BANK (A MICROFINANCE THRIFT BANK) INC | 0.00 | 0.00 | NA |
EQUICOM SAVINGS BANK INC | 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 INT'L COMM'L BANK CO LTD | 0.00 | 0.00 | NA |
MERCHANTS SAVINGS & LOAN ASSN INC | 0.00 | 0.00 | NA |
METRO CEBU PUBLIC SAVINGS BANK | 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 |
PHIL STAR DEVELOPMENT BANK INC | 0.00 | 0.00 | NA |
PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS | 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 |
SUN SAVINGS BANK INC | 0.00 | 0.00 | NA |
UNIVERSITY SAVINGS BANK INC | 0.00 | 0.00 | NA |
Grand Total | 411,092,157.04 | 225,239,818,032.35 | 0.18% |
Source: www.bsp.gov.ph
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