This blog post updates previous blog posts such as Comsavings Bank Ranks First in Non-Performing Loans as % of Capital Funds as of September 30, 2015.
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 12.522 billion as of December 31, 2015 - approximately 1.91% of the Philippine Banking Industry's Total Loan Portfolio of Php 6.408 trillion.
| Philippine Banking System | |||
| NPL as % of TLP | |||
| December 31, 2015 | |||
| Gross NPL/ Gross TLP | |||
| Bank | Gross NPLs | Gross TLP | (In %) |
| PROGRESS SAVINGS AND LOAN BANK INC | 1,102,802.67 | 1,102,802.67 | 100.00% |
| COMSAVINGS BANK | 124,154,088.77 | 152,444,132.28 | 81.44% |
| MBANK PHILIPPINES (A THRIFT BANK) INC | 48,998,587.50 | 71,254,898.90 | 68.77% |
| SAMPAGUITA SAVINGS BANK INC | 22,519,095.59 | 40,128,086.03 | 56.12% |
| NORTHPOINT DEV'T BANK INC | 102,772,457.86 | 214,934,298.84 | 47.82% |
| PHIL STAR DEVELOPMENT BANK INC | 22,292,920.67 | 58,291,210.37 | 38.24% |
| LEGAZPI SAVINGS BANK INC | 442,184,092.66 | 1,192,613,019.72 | 37.08% |
| BATAAN DEVELOPMENT BANK | 50,469,862.82 | 146,993,222.28 | 34.33% |
| METRO CEBU PUBLIC SAVINGS BANK | 33,328,159.81 | 101,592,681.22 | 32.81% |
| TONGYANG SAVINGS BANK INC | 115,864,158.09 | 354,009,561.12 | 32.73% |
| WORLD PARTNERS BANK (A THRIFT BANK) | 89577030.51 | 294,382,284.97 | 30.43% |
| MALASIQUI PROGRESSIVE SLB, INC | 10,068,479.25 | 35,638,640.92 | 28.25% |
| DUNGGANON BANK (A MICROFINANCE THRIFT BANK) INC | 26,629,508.90 | 110,996,848.00 | 23.99% |
| FARMERS SAVINGS & LOAN BANK INC | 49,918,290.15 | 211,305,690.96 | 23.62% |
| OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE THRIFT BANK) | 48,429,367.11 | 233,750,448.51 | 20.72% |
| PAMPANGA DEVELOPMENT BANK | 47,138,769.45 | 272,817,828.82 | 17.28% |
| MARITIME SAVINGS BANK CORPORATION | 21,429,848.76 | 134,942,079.32 | 15.88% |
| LUZON DEVELOPMENT BANK | 465,963,002.07 | 3,034,980,103.95 | 15.35% |
| LIFE SAVINGS BANK INC | 10,440,713.55 | 69,031,066.89 | 15.12% |
| PACIFIC ACE SAVINGS BANK INC | 3,519,880.87 | 24,442,582.85 | 14.40% |
| EQUICOM SAVINGS BANK INC | 581,436,111.35 | 4,404,396,601.09 | 13.20% |
| PHILIPPINE VETERANS BANK | 1,585,158,457.78 | 12,149,049,426.74 | 13.05% |
| BANK OF MAKATI (A SAVINGS BANK) INC | 2,400,400,159.25 | 18,985,736,760.06 | 12.64% |
| ENTERPRISE BANK INC (A THRIFT BANK) | 162,793,960.21 | 1,335,294,954.88 | 12.19% |
| BUSINESS AND CONSUMERS BANK (A DB) | 12,399,731.76 | 130,867,658.67 | 9.48% |
| MALAYAN BANK SAVINGS AND MORT BANK INC | 342,282,888.27 | 3,853,193,612.27 | 8.88% |
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 447,288,313.85 | 5,103,177,608.79 | 8.76% |
| CHINA BANK SAVINGS INC | 1,344,409,655.05 | 15,824,846,862.95 | 8.50% |
| PLANTERS DEVELOPMENT BANK | 3,008,786,024.04 | 35,561,272,751.65 | 8.46% |
| STANDARD CHARTERED BANK | 2,494,964,777.72 | 29,762,906,402.93 | 8.38% |
| CORDILLERA SAVINGS BANK INC | 14,010,173.80 | 167,600,719.56 | 8.36% |
| DUMAGUETE CITY DEV BANK INC | 39,719,065.35 | 509,005,215.51 | 7.80% |
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS | 700,932,401.36 | 9,066,291,658.24 | 7.73% |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 146,949,069.01 | 1,933,278,930.40 | 7.60% |
| FIRST CONSOLIDATED BANK INC (A PDB) | 757,048,403.69 | 10,066,588,570.98 | 7.52% |
| PHIL POSTAL SAVINGS BANK INC | 462,011,415.77 | 6,415,011,808.45 | 7.20% |
| HIYAS BANKING CORPORATION | 13,440,327.29 | 188,186,155.76 | 7.14% |
| PHIL BANK OF COMMUNICATIONS | 2,069,016,935.20 | 30,961,960,862.13 | 6.68% |
| THE PALAWAN BANK (PALAWAN DB) INC | 16,267,106.57 | 243,622,575.64 | 6.68% |
| UCPB SAVINGS BANK | 730,761,239.57 | 11,754,817,307.69 | 6.22% |
| BATAAN SAVINGS AND LOAN BANK | 1,382,910.95 | 23,542,691.68 | 5.87% |
| UNION BANK OF THE PHILS | 8,484,078,177.00 | 148,576,891,712.77 | 5.71% |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 1,045,484,485.30 | 18,364,493,663.35 | 5.69% |
| VILLAGE BANK INC (A THRIFT BANK) | 21,565,468.48 | 382,843,201.51 | 5.63% |
| LEMERY SAVINGS & LOAN BANK, INC. | 3,493,496.26 | 64,118,058.50 | 5.45% |
| INTER-ASIA DEVELOPMENT BANK | 7,023,615.99 | 140,581,690.38 | 5.00% |
| BANK ONE SAVINGS AND TRUST CORP. | 33,086,905.40 | 683,863,163.98 | 4.84% |
| EAST WEST BANKING CORP | 7,131,526,803.80 | 154,040,950,925.04 | 4.63% |
| PRODUCERS SAVINGS BANK CORPORATION | 285,328,808.37 | 6,220,294,577.00 | 4.59% |
| UNITED COCONUT PLANTERS BANK | 5,384,830,679.52 | 118,452,681,420.29 | 4.55% |
| CENTURY SAVINGS BANK CORPORATION | 37,352,904.08 | 825,938,578.75 | 4.52% |
| BANK OF COMMERCE | 1,883,473,725.81 | 43,307,713,178.27 | 4.35% |
| OPTIMUM DEVELOPMENT BANK INC | 40,145,568.50 | 958,321,828.13 | 4.19% |
| RCBC SAVINGS BANK INC | 2,534,077,126.32 | 63,178,219,665.94 | 4.01% |
| TOWER DEVELOPMENT BANK | 9,758,001.50 | 250,730,890.50 | 3.89% |
| UNIVERSITY SAVINGS BANK INC | 20,050,549.52 | 529,971,055.98 | 3.78% |
| WEALTH DEVELOPMENT BANK CORPORATION | 157,419,585.34 | 4,210,877,669.91 | 3.74% |
| MAYBANK PHILIPPINES INC | 2,151,171,796.44 | 57,619,049,434.71 | 3.73% |
| PHIL SAVINGS BANK | 4,397,573,100.68 | 118,579,227,318.00 | 3.71% |
| CITYSTATE SAVINGS BANK INC | 87,712,793.79 | 2,367,089,073.42 | 3.71% |
| BPI DIRECT SAVINGS BANK INC | 212,147,520.83 | 6,237,848,176.65 | 3.40% |
| DEVELOPMENT BANK OF THE PHIL | 6,610,033,570.26 | 203,367,626,044.22 | 3.25% |
| SUN SAVINGS BANK INC | 11,728,958.11 | 375,168,283.13 | 3.13% |
| BPI FAMILY SAVINGS BANK INC | 6,072,649,872.13 | 205,646,326,708.50 | 2.95% |
| MERCHANTS SAVINGS & LOAN ASSN INC | 11,314,946.95 | 404,470,493.43 | 2.80% |
| PNB SAVINGS BANK | 527,679,432.71 | 19,120,769,321.86 | 2.76% |
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 1,133,272,108.60 | 41,279,632,432.54 | 2.75% |
| PHIL NATIONAL BANK | 8,979,418,689.07 | 343,806,069,198.13 | 2.61% |
| ROBINSONS BANK CORPORATION | 676,106,852.49 | 26,817,963,139.69 | 2.52% |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 4,396,068.42 | 177,896,191.00 | 2.47% |
| CITY SAVINGS BANK INC | 1,235,081,286.28 | 51,082,298,306.33 | 2.42% |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 1,029,502.50 | 42,789,583.39 | 2.41% |
| PHIL TRUST COMPANY | 1,070,276,002.16 | 46,538,468,625.38 | 2.30% |
| CHINA BANKING CORP | 4,998,611,550.82 | 264,583,390,616.56 | 1.89% |
| CARD SME BANK INC A THRIFT BANK | 33,820,537.59 | 1,825,258,479.53 | 1.85% |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 21,961,557.01 | 1,259,931,911.27 | 1.74% |
| HONGKONG & SHANGHAI BANKING CORP | 1,006,960,615.03 | 62,856,238,989.50 | 1.60% |
| CTBC BANK (PHILIPPINES) CORP | 355,322,184.41 | 22,567,216,445.15 | 1.57% |
| BANK OF CHINA LIMITED-MANILA BRANCH | 189,040,895.91 | 12,018,036,811.74 | 1.57% |
| ASIA UNITED BANK CORPORATION | 1,348,045,781.88 | 94,808,678,226.98 | 1.42% |
| BANK OF THE PHIL ISLANDS | 8,088,920,117.06 | 679,123,982,460.24 | 1.19% |
| LAND BANK OF THE PHILIPPINES | 6,394,449,785.12 | 537,024,017,157.15 | 1.19% |
| BDO UNIBANK INC | 13,695,744,420.58 | 1,334,440,186,908.48 | 1.03% |
| RIZAL COMM'L BANKING CORP | 2,200,004,235.43 | 230,070,343,568.92 | 0.96% |
| KOREA EXCHANGE BANK | 23,550,189.24 | 3,040,365,370.32 | 0.77% |
| SECURITY BANK CORP | 1,331,116,734.82 | 236,385,564,305.95 | 0.56% |
| HSBC SAVINGS BANK(PHILS) INC | 63,178,946.54 | 11,689,142,277.00 | 0.54% |
| CITIBANK, N.A. | 837,044,060.26 | 159,421,588,964.93 | 0.53% |
| BANGKOK BANK PUBLIC CO LTD | 48,610,175.73 | 11,187,447,465.98 | 0.43% |
| METROPOLITAN BANK & TCO | 2,532,688,458.77 | 708,223,185,034.92 | 0.36% |
| ANZ BANKING GROUP LTD | 23,339,114.85 | 18,865,933,522.76 | 0.12% |
| UNITED OVERSEAS BANK PHILIPPINES | 489,134.00 | 631,893,954.00 | 0.08% |
| JP MORGAN CHASE BANK NATIONAL ASSN. | 734,885.22 | 14,936,038,161.70 | 0.00% |
| ING BANK N.V. | 96.12 | 11,490,225,655.63 | 0.00% |
| BANK OF AMERICA N.A. | 4.00 | 1,724,653,482.10 | 0.00% |
| BDO PRIVATE BANK, INC. | 0.00 | 16,688,501,819.32 | 0.00% |
| DEUTSCHE BANK AG | 0.00 | 16,769,544,011.14 | 0.00% |
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | 0.00 | 144,120,000.00 | 0.00% |
| ISLA BANK(A THRIFT BANK) INC | 0.00 | 99,049,528.41 | 0.00% |
| MEGA INT'L COMM'L BANK CO LTD | 0.00 | 10,102,345,257.23 | 0.00% |
| MIZUHO BANK LTD - MANILA BRANCH | 0.00 | 27,325,993,435.61 | 0.00% |
| SHINHAN BANK - MANILA BRANCH | 0.00 | 162,357,000.00 | 0.00% |
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | 0.00 | 52,110,352.39 | 0.00% |
| THE BNK OF TOKYO-MITSUBISHI UFJ LTD | 0.00 | 30,073,308,215.85 | 0.00% |
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | 0.00 | 0.00 | NA |
| Grand Total | 122,522,182,127.90 | 6,408,438,133,626.13 | 1.91% |
There are ten Philippine Banks with a Gross NPL Ratio greater than 30% of Total Loan Portfolio (TLP). These are as follows:
- Progress Savings and Loan Bank Inc. (100.00% of TLP)
- Comsavings Bank (81.44% of TLP)
- MBank Philippines Inc (68.77% of TLP)
- Sampaguita Savings Bank Inc. (56.12% of TLP)
- Northpoint Development Bank (47.82% of TLP)
- Philippine Star Development Bank (38.24% of TLP)
- Legazpi Savings Bank Inc (37.08% of TLP)
- Bataan Development Bank (34.33% of TLP)
- Metro Cebu Public Savings Bank (32.81% of TLP)
- TongYang Savings Bank (32.73% of TLP)
- World Partners Bank (30.43% of TLP)
- Comsavings Bank (formerly GSIS Family Bank)
- Legazpi Savings Bank Inc
- Bataan Development Bank
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 mere fraction of the loan's 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 off as a loss.
On an overall basis, the Gross NPLs of Philippine Banks amounted to 9.23% of Stockholders Equity as of December 31, 2015.
| Philippine Banking System | |||
| NPL as % of SE | |||
| December 31, 2015 | |||
| NPL | SE | NPL/SE | |
| Bank | (In PHP) | (In PHP) | (In %) |
| COMSAVINGS BANK | 124,154,088.77 | 14,354,330.70 | 864.92% |
| LEGAZPI SAVINGS BANK INC | 442,184,092.66 | 77,857,515.91 | 567.94% |
| MBANK PHILIPPINES (A THRIFT BANK) INC | 48,998,587.50 | 47,908,360.13 | 102.28% |
| WORLD PARTNERS BANK (A THRIFT BANK) | 89577030.51 | 88,050,307.71 | 101.73% |
| EQUICOM SAVINGS BANK INC | 581,436,111.35 | 603,618,876.13 | 96.33% |
| PLANTERS DEVELOPMENT BANK | 3,008,786,024.04 | 3,184,481,331.93 | 94.48% |
| LUZON DEVELOPMENT BANK | 465,963,002.07 | 572,697,166.57 | 81.36% |
| ENTERPRISE BANK INC (A THRIFT BANK) | 162,793,960.21 | 246,335,593.41 | 66.09% |
| BATAAN DEVELOPMENT BANK | 50,469,862.82 | 77,886,567.78 | 64.80% |
| METRO CEBU PUBLIC SAVINGS BANK | 33,328,159.81 | 53,298,391.58 | 62.53% |
| OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE THRIFT BANK) | 48,429,367.11 | 82,822,327.01 | 58.47% |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 1,045,484,485.30 | 2,251,018,253.70 | 46.44% |
| THE PALAWAN BANK (PALAWAN DB) INC | 16,267,106.57 | 36,343,938.29 | 44.76% |
| SAMPAGUITA SAVINGS BANK INC | 22,519,095.59 | 50,440,248.10 | 44.65% |
| FARMERS SAVINGS & LOAN BANK INC | 49,918,290.15 | 111,857,927.21 | 44.63% |
| PHIL POSTAL SAVINGS BANK INC | 462,011,415.77 | 1,080,638,237.99 | 42.75% |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 146,949,069.01 | 357,813,950.54 | 41.07% |
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS | 700,932,401.36 | 1,743,136,918.12 | 40.21% |
| WEALTH DEVELOPMENT BANK CORPORATION | 157,419,585.34 | 402,206,774.22 | 39.14% |
| BANK OF MAKATI (A SAVINGS BANK) INC | 2,400,400,159.25 | 6,169,826,293.68 | 38.91% |
| STANDARD CHARTERED BANK | 2,494,964,777.72 | 6,542,901,485.58 | 38.13% |
| PAMPANGA DEVELOPMENT BANK | 47,138,769.45 | 127,947,695.56 | 36.84% |
| MALAYAN BANK SAVINGS AND MORT BANK INC | 342,282,888.27 | 977,025,136.36 | 35.03% |
| PHILIPPINE VETERANS BANK | 1,585,158,457.78 | 4,586,483,649.12 | 34.56% |
| MARITIME SAVINGS BANK CORPORATION | 21,429,848.76 | 64,439,287.75 | 33.26% |
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 447,288,313.85 | 1,352,795,650.81 | 33.06% |
| NORTHPOINT DEV'T BANK INC | 102,772,457.86 | 315,619,166.13 | 32.56% |
| UCPB SAVINGS BANK | 730,761,239.57 | 2,369,200,096.80 | 30.84% |
| CHINA BANK SAVINGS INC | 1,344,409,655.05 | 4,360,468,878.15 | 30.83% |
| UNITED COCONUT PLANTERS BANK | 5,384,830,679.52 | 17,569,627,240.59 | 30.65% |
| VILLAGE BANK INC (A THRIFT BANK) | 21,565,468.48 | 76,711,137.23 | 28.11% |
| RCBC SAVINGS BANK INC | 2,534,077,126.32 | 9,433,461,493.67 | 26.86% |
| DUNGGANON BANK (A MICROFINANCE THRIFT BANK) INC | 26,629,508.90 | 99,238,416.13 | 26.83% |
| PHIL STAR DEVELOPMENT BANK INC | 22,292,920.67 | 85,980,532.55 | 25.93% |
| PHIL SAVINGS BANK | 4,397,573,100.68 | 18,159,805,043.17 | 24.22% |
| EAST WEST BANKING CORP | 7,131,526,803.80 | 30,297,400,514.06 | 23.54% |
| BPI FAMILY SAVINGS BANK INC | 6,072,649,872.13 | 25,861,421,331.85 | 23.48% |
| PHIL BANK OF COMMUNICATIONS | 2,069,016,935.20 | 8,931,372,790.48 | 23.17% |
| FIRST CONSOLIDATED BANK INC (A PDB) | 757,048,403.69 | 3,283,692,026.22 | 23.05% |
| PRODUCERS SAVINGS BANK CORPORATION | 285,328,808.37 | 1,454,645,137.95 | 19.62% |
| MALASIQUI PROGRESSIVE SLB, INC | 10,068,479.25 | 53,905,158.84 | 18.68% |
| MAYBANK PHILIPPINES INC | 2,151,171,796.44 | 11,660,737,237.14 | 18.45% |
| DEVELOPMENT BANK OF THE PHIL | 6,610,033,570.26 | 37,661,143,648.93 | 17.55% |
| DUMAGUETE CITY DEV BANK INC | 39,719,065.35 | 233,260,343.01 | 17.03% |
| LIFE SAVINGS BANK INC | 10,440,713.55 | 64,124,743.35 | 16.28% |
| UNION BANK OF THE PHILS | 8,484,078,177.00 | 54,677,515,622.64 | 15.52% |
| CITY SAVINGS BANK INC | 1,235,081,286.28 | 8,569,924,286.17 | 14.41% |
| BUSINESS AND CONSUMERS BANK (A DB) | 12,399,731.76 | 86,171,880.35 | 14.39% |
| CITYSTATE SAVINGS BANK INC | 87,712,793.79 | 613,653,633.38 | 14.29% |
| BPI DIRECT SAVINGS BANK INC | 212,147,520.83 | 1,551,375,150.71 | 13.67% |
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 1,133,272,108.60 | 8,506,415,071.27 | 13.32% |
| BANK OF COMMERCE | 1,883,473,725.81 | 15,372,861,790.21 | 12.25% |
| INTER-ASIA DEVELOPMENT BANK | 7,023,615.99 | 58,038,047.36 | 12.10% |
| TONGYANG SAVINGS BANK INC | 115,864,158.09 | 991,348,210.41 | 11.69% |
| CORDILLERA SAVINGS BANK INC | 14,010,173.80 | 122,612,051.87 | 11.43% |
| HIYAS BANKING CORPORATION | 13,440,327.29 | 124,212,797.56 | 10.82% |
| PHIL NATIONAL BANK | 8,979,418,689.07 | 94,336,018,948.68 | 9.52% |
| CHINA BANKING CORP | 4,998,611,550.82 | 54,136,237,856.50 | 9.23% |
| SUN SAVINGS BANK INC | 11,728,958.11 | 144,552,751.03 | 8.11% |
| TOWER DEVELOPMENT BANK | 9,758,001.50 | 121,179,508.67 | 8.05% |
| LAND BANK OF THE PHILIPPINES | 6,394,449,785.12 | 79,988,395,125.48 | 7.99% |
| HONGKONG & SHANGHAI BANKING CORP | 1,006,960,615.03 | 13,427,595,287.40 | 7.50% |
| BANK OF CHINA LIMITED-MANILA BRANCH | 189,040,895.91 | 2,560,466,878.29 | 7.38% |
| BDO UNIBANK INC | 13,695,744,420.58 | 198,636,323,310.40 | 6.89% |
| ASIA UNITED BANK CORPORATION | 1,348,045,781.88 | 19,602,284,685.06 | 6.88% |
| CITIBANK, N.A. | 837,044,060.26 | 12,482,611,322.60 | 6.71% |
| CARD SME BANK INC A THRIFT BANK | 33,820,537.59 | 567,925,344.72 | 5.96% |
| BANK ONE SAVINGS AND TRUST CORP. | 33,086,905.40 | 566,313,403.38 | 5.84% |
| ROBINSONS BANK CORPORATION | 676,106,852.49 | 11,871,128,223.97 | 5.70% |
| BANK OF THE PHIL ISLANDS | 8,088,920,117.06 | 145,768,673,400.68 | 5.55% |
| CTBC BANK (PHILIPPINES) CORP | 355,322,184.41 | 6,779,779,920.99 | 5.24% |
| UNIVERSITY SAVINGS BANK INC | 20,050,549.52 | 401,889,444.22 | 4.99% |
| OPTIMUM DEVELOPMENT BANK INC | 40,145,568.50 | 825,164,649.48 | 4.87% |
| PACIFIC ACE SAVINGS BANK INC | 3,519,880.87 | 73,124,373.36 | 4.81% |
| PNB SAVINGS BANK | 527,679,432.71 | 11,227,304,868.99 | 4.70% |
| LEMERY SAVINGS & LOAN BANK, INC. | 3,493,496.26 | 76,552,736.44 | 4.56% |
| PHIL TRUST COMPANY | 1,070,276,002.16 | 23,597,260,991.96 | 4.54% |
| CENTURY SAVINGS BANK CORPORATION | 37,352,904.08 | 945,698,562.76 | 3.95% |
| RIZAL COMM'L BANKING CORP | 2,200,004,235.43 | 58,096,031,353.84 | 3.79% |
| HSBC SAVINGS BANK(PHILS) INC | 63,178,946.54 | 1,779,893,083.96 | 3.55% |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 21,961,557.01 | 663,791,367.82 | 3.31% |
| SECURITY BANK CORP | 1,331,116,734.82 | 53,161,087,946.26 | 2.50% |
| BATAAN SAVINGS AND LOAN BANK | 1,382,910.95 | 58,963,858.31 | 2.35% |
| MERCHANTS SAVINGS & LOAN ASSN INC | 11,314,946.95 | 619,593,346.12 | 1.83% |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 1,029,502.50 | 59,241,601.39 | 1.74% |
| BANGKOK BANK PUBLIC CO LTD | 48,610,175.73 | 3,096,889,746.15 | 1.57% |
| KOREA EXCHANGE BANK | 23,550,189.24 | 1,650,276,581.39 | 1.43% |
| PROGRESS SAVINGS AND LOAN BANK INC | 1,102,802.67 | 79,581,923.00 | 1.39% |
| METROPOLITAN BANK & TCO | 2,532,688,458.77 | 186,856,957,826.21 | 1.36% |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 4,396,068.42 | 350,233,446.49 | 1.26% |
| ANZ BANKING GROUP LTD | 23,339,114.85 | 4,248,750,490.84 | 0.55% |
| JP MORGAN CHASE BANK NATIONAL ASSN. | 734,885.22 | 1,401,656,478.36 | 0.05% |
| UNITED OVERSEAS BANK PHILIPPINES | 489,134.00 | 1,013,213,710.78 | 0.05% |
| ING BANK N.V. | 96.12 | 2,643,073,866.84 | 0.00% |
| BANK OF AMERICA N.A. | 4.00 | 2,074,938,848.20 | 0.00% |
| BDO PRIVATE BANK, INC. | 0.00 | 5,574,006,771.00 | 0.00% |
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | 0.00 | 2,126,668,534.24 | 0.00% |
| DEUTSCHE BANK AG | 0.00 | 2,335,083,540.71 | 0.00% |
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | 0.00 | 2,170,723,845.28 | 0.00% |
| ISLA BANK(A THRIFT BANK) INC | 0.00 | 662,816,886.24 | 0.00% |
| MEGA INT'L COMM'L BANK CO LTD | 0.00 | 2,008,657,672.41 | 0.00% |
| MIZUHO BANK LTD - MANILA BRANCH | 0.00 | 2,745,601,783.68 | 0.00% |
| SHINHAN BANK - MANILA BRANCH | 0.00 | 2,103,651,032.60 | 0.00% |
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | 0.00 | 12,878,271,431.75 | 0.00% |
| THE BNK OF TOKYO-MITSUBISHI UFJ LTD | 0.00 | 4,754,838,542.98 | 0.00% |
| Grand Total | 122,522,182,127.90 | 1,326,901,106,805.98 | 9.23% |
Source: www.bsp.gov.ph
Of the 105 banks in this list, thirty banks have a Gross NPL to Stockholders Equity Ratio of 30% or more as of December 31, 2015. These banks are as follows:
- Comsavings Bank (864.92% of SE)
- Legazpi Savings Bank (567.94% of SE)
- MBank Philippines Inc (102.28% of SE)
- World Partners Bank (101.73% of SE)
- Equicom Savings Bank Inc. (96.33% of SE)
- Planters Development Bank (94.48% of SE)
- Luzon Development Bank (81.36% of SE)
- Enterprise Bank Inc (66.09% of SE)
- Bataan Development Bank (64.80% of SE)
- Metro Cebu Public Savings Bank (62.53% of SE)
- Opportunity Kauswagan Bank, Inc. (58.47% of SE)
- Sterling Bank of Asia, Inc. (46.44% of SE)
- The Palawan Bank (44.76% of SE)
- Sampaguita Savings Bank (44.65% of SE)
- Farmers Savings & Loan Bank Inc (44.63% of SE)
- Philippine Postal Savings Bank (42.75% of SE)
- Penbank Inc. (41.07% of SE)
- Philippine Resources Savings Banking Corporation (40.21% of SE)
- Wealth Development Bank Corporation (39.14% of SE)
- Bank of Makati Inc (38.91% of SE)
- Standard Chartered Bank (38.13% of SE)
- Pampanga Development Bank (36.84% of SE)
- Malayan Bank Savings and Mortgage Bank Inc (35.03% of SE)
- Philippine Veterans Bank (34.56%of SE)
- Maritime Savings Bank Corporation (33.26% of SE)
- 1st Valley Bank Inc (33.06% of SE)
- Northpoint Development Bank (32.56% of SE)
- UCPB Savings Bank (30.84% of SE)
- China Bank Savings Inc (30.83% of SE)
- United Coconut Planters Bank (30.65% 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 3.17% of their Total Loan Portfolio as of December 31, 2015. Of the 105 banks, thirty-five banks reported having no DOSRI Loans. Of the seventy banks with DOSRI Loans, thirty-five banks had DOSRI Loans that made up less than 1% of their Total Loan Portfolios. However, three banks had DOSRI Loans that comprised more than 15% of their Total Loan Portfolios. They are as follows:
- Development Bank of the Philippines (22.10% of TLP)
- Queen City Development Bank (20.66% of TLP)
- Malasiqui Progressive SLB, Inc. (20.34% of TLP)
| Philippine Banking System | |||
| DOSRI as % of TLP | |||
| December 31, 2015 | |||
| DOSRI | TLP | DOSRI/TLP | |
| Bank | (In Php) | (In PHP) | (In %) |
| DEVELOPMENT BANK OF THE PHIL | 44,952,178,800.89 | 203,367,626,044.22 | 22.10% |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 260,304,550.88 | 1,259,931,911.27 | 20.66% |
| MALASIQUI PROGRESSIVE SLB, INC | 7,247,211.24 | 35,638,640.92 | 20.34% |
| INTER-ASIA DEVELOPMENT BANK | 20,953,204.25 | 140,581,690.38 | 14.90% |
| CITYSTATE SAVINGS BANK INC | 317,320,770.29 | 2,367,089,073.42 | 13.41% |
| LAND BANK OF THE PHILIPPINES | 71,599,584,016.25 | 537,024,017,157.15 | 13.33% |
| PAMPANGA DEVELOPMENT BANK | 33,112,467.34 | 272,817,828.82 | 12.14% |
| VILLAGE BANK INC (A THRIFT BANK) | 46,000,445.09 | 382,843,201.51 | 12.02% |
| HIYAS BANKING CORPORATION | 21,753,419.24 | 188,186,155.76 | 11.56% |
| PHIL STAR DEVELOPMENT BANK INC | 6,005,347.16 | 58,291,210.37 | 10.30% |
| LIFE SAVINGS BANK INC | 7,102,708.81 | 69,031,066.89 | 10.29% |
| DUMAGUETE CITY DEV BANK INC | 47,139,684.40 | 509,005,215.51 | 9.26% |
| EAST WEST BANKING CORP | 10,654,933,113.75 | 154,040,950,925.04 | 6.92% |
| BANK OF MAKATI (A SAVINGS BANK) INC | 994,432,641.77 | 18,985,736,760.06 | 5.24% |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 95,949,262.23 | 1,933,278,930.40 | 4.96% |
| PHIL TRUST COMPANY | 2,301,000,000.00 | 46,538,468,625.38 | 4.94% |
| COMSAVINGS BANK | 7,195,124.46 | 152,444,132.28 | 4.72% |
| ROBINSONS BANK CORPORATION | 1,169,768,666.18 | 26,817,963,139.69 | 4.36% |
| CENTURY SAVINGS BANK CORPORATION | 29,500,000.00 | 825,938,578.75 | 3.57% |
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 1,254,458,523.99 | 41,279,632,432.54 | 3.04% |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 1,120,361.57 | 42,789,583.39 | 2.62% |
| BANK OF THE PHIL ISLANDS | 15,519,554,587.97 | 679,123,982,460.24 | 2.29% |
| BANK OF AMERICA N.A. | 39,002,502.34 | 1,724,653,482.10 | 2.26% |
| BDO UNIBANK INC | 29,504,345,233.29 | 1,334,440,186,908.48 | 2.21% |
| PHIL NATIONAL BANK | 7,502,908,480.08 | 343,806,069,198.13 | 2.18% |
| PRODUCERS SAVINGS BANK CORPORATION | 131,016,605.62 | 6,220,294,577.00 | 2.11% |
| TOWER DEVELOPMENT BANK | 5,174,662.99 | 250,730,890.50 | 2.06% |
| CHINA BANKING CORP | 4,997,512,615.97 | 264,583,390,616.56 | 1.89% |
| OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE THRIFT BANK) | 3,567,286.20 | 233,750,448.51 | 1.53% |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 269,086,783.22 | 18,364,493,663.35 | 1.47% |
| PHIL SAVINGS BANK | 1,667,247,339.29 | 118,579,227,318.00 | 1.41% |
| ENTERPRISE BANK INC (A THRIFT BANK) | 17,239,917.00 | 1,335,294,954.88 | 1.29% |
| CORDILLERA SAVINGS BANK INC | 2,059,429.05 | 167,600,719.56 | 1.23% |
| PHIL POSTAL SAVINGS BANK INC | 68,886,031.90 | 6,415,011,808.45 | 1.07% |
| ISLA BANK(A THRIFT BANK) INC | 1,038,940.99 | 99,049,528.41 | 1.05% |
| MARITIME SAVINGS BANK CORPORATION | 983,045.00 | 134,942,079.32 | 0.73% |
| METROPOLITAN BANK & TCO | 4,803,837,904.15 | 708,223,185,034.92 | 0.68% |
| LUZON DEVELOPMENT BANK | 19,780,339.01 | 3,034,980,103.95 | 0.65% |
| HONGKONG & SHANGHAI BANKING CORP | 404,690,473.21 | 62,856,238,989.50 | 0.64% |
| SECURITY BANK CORP | 1,340,574,750.83 | 236,385,564,305.95 | 0.57% |
| RIZAL COMM'L BANKING CORP | 1,125,428,096.22 | 230,070,343,568.92 | 0.49% |
| HSBC SAVINGS BANK(PHILS) INC | 56,167,118.46 | 11,689,142,277.00 | 0.48% |
| UNITED COCONUT PLANTERS BANK | 501,621,397.97 | 118,452,681,420.29 | 0.42% |
| THE PALAWAN BANK (PALAWAN DB) INC | 971,244.54 | 243,622,575.64 | 0.40% |
| TONGYANG SAVINGS BANK INC | 1,154,527.91 | 354,009,561.12 | 0.33% |
| UNION BANK OF THE PHILS | 481,356,065.33 | 148,576,891,712.77 | 0.32% |
| PLANTERS DEVELOPMENT BANK | 113,648,503.37 | 35,561,272,751.65 | 0.32% |
| PHILIPPINE VETERANS BANK | 38,578,069.51 | 12,149,049,426.74 | 0.32% |
| JP MORGAN CHASE BANK NATIONAL ASSN. | 38,349,049.27 | 14,936,038,161.70 | 0.26% |
| ANZ BANKING GROUP LTD | 38,010,452.82 | 18,865,933,522.76 | 0.20% |
| FIRST CONSOLIDATED BANK INC (A PDB) | 11,596,072.28 | 10,066,588,570.98 | 0.12% |
| CHINA BANK SAVINGS INC | 14,989,908.97 | 15,824,846,862.95 | 0.09% |
| CTBC BANK (PHILIPPINES) CORP | 21,079,906.54 | 22,567,216,445.15 | 0.09% |
| MALAYAN BANK SAVINGS AND MORT BANK INC | 3,568,765.02 | 3,853,193,612.27 | 0.09% |
| CITY SAVINGS BANK INC | 42,098,535.38 | 51,082,298,306.33 | 0.08% |
| PHIL BANK OF COMMUNICATIONS | 24,336,079.47 | 30,961,960,862.13 | 0.08% |
| ASIA UNITED BANK CORPORATION | 72,778,893.15 | 94,808,678,226.98 | 0.08% |
| FARMERS SAVINGS & LOAN BANK INC | 135,159.90 | 211,305,690.96 | 0.06% |
| CITIBANK, N.A. | 94,544,885.27 | 159,421,588,964.93 | 0.06% |
| STANDARD CHARTERED BANK | 17,175,184.14 | 29,762,906,402.93 | 0.06% |
| MAYBANK PHILIPPINES INC | 23,200,000.00 | 57,619,049,434.71 | 0.04% |
| UCPB SAVINGS BANK | 4,512,336.26 | 11,754,817,307.69 | 0.04% |
| WEALTH DEVELOPMENT BANK CORPORATION | 862,905.97 | 4,210,877,669.91 | 0.02% |
| PNB SAVINGS BANK | 3,473,551.83 | 19,120,769,321.86 | 0.02% |
| BPI FAMILY SAVINGS BANK INC | 33,379,473.22 | 205,646,326,708.50 | 0.02% |
| KOREA EXCHANGE BANK | 466,900.00 | 3,040,365,370.32 | 0.02% |
| LEGAZPI SAVINGS BANK INC | 166,771.85 | 1,192,613,019.72 | 0.01% |
| BANK OF COMMERCE | 4,681,511.82 | 43,307,713,178.27 | 0.01% |
| BPI DIRECT SAVINGS BANK INC | 279,026.50 | 6,237,848,176.65 | 0.00% |
| UNITED OVERSEAS BANK PHILIPPINES | 36.00 | 631,893,954.00 | 0.00% |
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 0.00 | 5,103,177,608.79 | 0.00% |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 0.00 | 177,896,191.00 | 0.00% |
| BANGKOK BANK PUBLIC CO LTD | 0.00 | 11,187,447,465.98 | 0.00% |
| BANK OF CHINA LIMITED-MANILA BRANCH | 0.00 | 12,018,036,811.74 | 0.00% |
| BANK ONE SAVINGS AND TRUST CORP. | 0.00 | 683,863,163.98 | 0.00% |
| BATAAN DEVELOPMENT BANK | 0.00 | 146,993,222.28 | 0.00% |
| BATAAN SAVINGS AND LOAN BANK | 0.00 | 23,542,691.68 | 0.00% |
| BDO PRIVATE BANK, INC. | 0.00 | 16,688,501,819.32 | 0.00% |
| BUSINESS AND CONSUMERS BANK (A DB) | 0.00 | 130,867,658.67 | 0.00% |
| CARD SME BANK INC A THRIFT BANK | 0.00 | 1,825,258,479.53 | 0.00% |
| DEUTSCHE BANK AG | 0.00 | 16,769,544,011.14 | 0.00% |
| DUNGGANON BANK (A MICROFINANCE THRIFT BANK) INC | 0.00 | 110,996,848.00 | 0.00% |
| EQUICOM SAVINGS BANK INC | 0.00 | 4,404,396,601.09 | 0.00% |
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | 0.00 | 144,120,000.00 | 0.00% |
| ING BANK N.V. | 0.00 | 11,490,225,655.63 | 0.00% |
| LEMERY SAVINGS & LOAN BANK, INC. | 0.00 | 64,118,058.50 | 0.00% |
| MBANK PHILIPPINES (A THRIFT BANK) INC | 0.00 | 71,254,898.90 | 0.00% |
| MEGA INT'L COMM'L BANK CO LTD | 0.00 | 10,102,345,257.23 | 0.00% |
| MERCHANTS SAVINGS & LOAN ASSN INC | 0.00 | 404,470,493.43 | 0.00% |
| METRO CEBU PUBLIC SAVINGS BANK | 0.00 | 101,592,681.22 | 0.00% |
| MIZUHO BANK LTD - MANILA BRANCH | 0.00 | 27,325,993,435.61 | 0.00% |
| NORTHPOINT DEV'T BANK INC | 0.00 | 214,934,298.84 | 0.00% |
| OPTIMUM DEVELOPMENT BANK INC | 0.00 | 958,321,828.13 | 0.00% |
| PACIFIC ACE SAVINGS BANK INC | 0.00 | 24,442,582.85 | 0.00% |
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS | 0.00 | 9,066,291,658.24 | 0.00% |
| PROGRESS SAVINGS AND LOAN BANK INC | 0.00 | 1,102,802.67 | 0.00% |
| RCBC SAVINGS BANK INC | 0.00 | 63,178,219,665.94 | 0.00% |
| SAMPAGUITA SAVINGS BANK INC | 0.00 | 40,128,086.03 | 0.00% |
| SHINHAN BANK - MANILA BRANCH | 0.00 | 162,357,000.00 | 0.00% |
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | 0.00 | 52,110,352.39 | 0.00% |
| SUN SAVINGS BANK INC | 0.00 | 375,168,283.13 | 0.00% |
| THE BNK OF TOKYO-MITSUBISHI UFJ LTD | 0.00 | 30,073,308,215.85 | 0.00% |
| UNIVERSITY SAVINGS BANK INC | 0.00 | 529,971,055.98 | 0.00% |
| WORLD PARTNERS BANK (A THRIFT BANK) | 0.00 | 294,382,284.97 | 0.00% |
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | 0.00 | 0.00 | NA |
| Grand Total | 202,894,177,676.87 | 6,408,438,133,626.13 | 3.17% |
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 15.29% of Stockholders Equity as of December 31, 2015. Two banks have DOSRI Loans that exceed 80% of their capital. These are as follows:
- Development Bank of the Philippines (119.36% of SE)
- Land Bank of the Philippines (89.51% of SE)
| Philippine Banking System | |||
| DOSRI as % of Stockholders Equity | |||
| December 31, 2015 | |||
| DOSRI | SE | DOSRI/SE | |
| Bank | (In Php) | (In PHP) | (In %) |
| DEVELOPMENT BANK OF THE PHIL | 44,952,178,800.89 | 37,661,143,648.93 | 119.36% |
| LAND BANK OF THE PHILIPPINES | 71,599,584,016.25 | 79,988,395,125.48 | 89.51% |
| VILLAGE BANK INC (A THRIFT BANK) | 46,000,445.09 | 76,711,137.23 | 59.97% |
| CITYSTATE SAVINGS BANK INC | 317,320,770.29 | 613,653,633.38 | 51.71% |
| COMSAVINGS BANK | 7,195,124.46 | 14,354,330.70 | 50.13% |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 260,304,550.88 | 663,791,367.82 | 39.21% |
| INTER-ASIA DEVELOPMENT BANK | 20,953,204.25 | 58,038,047.36 | 36.10% |
| EAST WEST BANKING CORP | 10,654,933,113.75 | 30,297,400,514.06 | 35.17% |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 95,949,262.23 | 357,813,950.54 | 26.82% |
| PAMPANGA DEVELOPMENT BANK | 33,112,467.34 | 127,947,695.56 | 25.88% |
| DUMAGUETE CITY DEV BANK INC | 47,139,684.40 | 233,260,343.01 | 20.21% |
| HIYAS BANKING CORPORATION | 21,753,419.24 | 124,212,797.56 | 17.51% |
| BANK OF MAKATI (A SAVINGS BANK) INC | 994,432,641.77 | 6,169,826,293.68 | 16.12% |
| BDO UNIBANK INC | 29,504,345,233.29 | 198,636,323,310.40 | 14.85% |
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 1,254,458,523.99 | 8,506,415,071.27 | 14.75% |
| MALASIQUI PROGRESSIVE SLB, INC | 7,247,211.24 | 53,905,158.84 | 13.44% |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 269,086,783.22 | 2,251,018,253.70 | 11.95% |
| LIFE SAVINGS BANK INC | 7,102,708.81 | 64,124,743.35 | 11.08% |
| BANK OF THE PHIL ISLANDS | 15,519,554,587.97 | 145,768,673,400.68 | 10.65% |
| ROBINSONS BANK CORPORATION | 1,169,768,666.18 | 11,871,128,223.97 | 9.85% |
| PHIL TRUST COMPANY | 2,301,000,000.00 | 23,597,260,991.96 | 9.75% |
| CHINA BANKING CORP | 4,997,512,615.97 | 54,136,237,856.50 | 9.23% |
| PHIL SAVINGS BANK | 1,667,247,339.29 | 18,159,805,043.17 | 9.18% |
| PRODUCERS SAVINGS BANK CORPORATION | 131,016,605.62 | 1,454,645,137.95 | 9.01% |
| PHIL NATIONAL BANK | 7,502,908,480.08 | 94,336,018,948.68 | 7.95% |
| ENTERPRISE BANK INC (A THRIFT BANK) | 17,239,917.00 | 246,335,593.41 | 7.00% |
| PHIL STAR DEVELOPMENT BANK INC | 6,005,347.16 | 85,980,532.55 | 6.98% |
| PHIL POSTAL SAVINGS BANK INC | 68,886,031.90 | 1,080,638,237.99 | 6.37% |
| OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE THRIFT BANK) | 3,567,286.20 | 82,822,327.01 | 4.31% |
| TOWER DEVELOPMENT BANK | 5,174,662.99 | 121,179,508.67 | 4.27% |
| PLANTERS DEVELOPMENT BANK | 113,648,503.37 | 3,184,481,331.93 | 3.57% |
| LUZON DEVELOPMENT BANK | 19,780,339.01 | 572,697,166.57 | 3.45% |
| HSBC SAVINGS BANK(PHILS) INC | 56,167,118.46 | 1,779,893,083.96 | 3.16% |
| CENTURY SAVINGS BANK CORPORATION | 29,500,000.00 | 945,698,562.76 | 3.12% |
| HONGKONG & SHANGHAI BANKING CORP | 404,690,473.21 | 13,427,595,287.40 | 3.01% |
| UNITED COCONUT PLANTERS BANK | 501,621,397.97 | 17,569,627,240.59 | 2.86% |
| JP MORGAN CHASE BANK NATIONAL ASSN. | 38,349,049.27 | 1,401,656,478.36 | 2.74% |
| THE PALAWAN BANK (PALAWAN DB) INC | 971,244.54 | 36,343,938.29 | 2.67% |
| METROPOLITAN BANK & TCO | 4,803,837,904.15 | 186,856,957,826.21 | 2.57% |
| SECURITY BANK CORP | 1,340,574,750.83 | 53,161,087,946.26 | 2.52% |
| RIZAL COMM'L BANKING CORP | 1,125,428,096.22 | 58,096,031,353.84 | 1.94% |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 1,120,361.57 | 59,241,601.39 | 1.89% |
| BANK OF AMERICA N.A. | 39,002,502.34 | 2,074,938,848.20 | 1.88% |
| CORDILLERA SAVINGS BANK INC | 2,059,429.05 | 122,612,051.87 | 1.68% |
| MARITIME SAVINGS BANK CORPORATION | 983,045.00 | 64,439,287.75 | 1.53% |
| ANZ BANKING GROUP LTD | 38,010,452.82 | 4,248,750,490.84 | 0.89% |
| UNION BANK OF THE PHILS | 481,356,065.33 | 54,677,515,622.64 | 0.88% |
| PHILIPPINE VETERANS BANK | 38,578,069.51 | 4,586,483,649.12 | 0.84% |
| CITIBANK, N.A. | 94,544,885.27 | 12,482,611,322.60 | 0.76% |
| CITY SAVINGS BANK INC | 42,098,535.38 | 8,569,924,286.17 | 0.49% |
| ASIA UNITED BANK CORPORATION | 72,778,893.15 | 19,602,284,685.06 | 0.37% |
| MALAYAN BANK SAVINGS AND MORT BANK INC | 3,568,765.02 | 977,025,136.36 | 0.37% |
| FIRST CONSOLIDATED BANK INC (A PDB) | 11,596,072.28 | 3,283,692,026.22 | 0.35% |
| CHINA BANK SAVINGS INC | 14,989,908.97 | 4,360,468,878.15 | 0.34% |
| CTBC BANK (PHILIPPINES) CORP | 21,079,906.54 | 6,779,779,920.99 | 0.31% |
| PHIL BANK OF COMMUNICATIONS | 24,336,079.47 | 8,931,372,790.48 | 0.27% |
| STANDARD CHARTERED BANK | 17,175,184.14 | 6,542,901,485.58 | 0.26% |
| WEALTH DEVELOPMENT BANK CORPORATION | 862,905.97 | 402,206,774.22 | 0.21% |
| LEGAZPI SAVINGS BANK INC | 166,771.85 | 77,857,515.91 | 0.21% |
| MAYBANK PHILIPPINES INC | 23,200,000.00 | 11,660,737,237.14 | 0.20% |
| UCPB SAVINGS BANK | 4,512,336.26 | 2,369,200,096.80 | 0.19% |
| ISLA BANK(A THRIFT BANK) INC | 1,038,940.99 | 662,816,886.24 | 0.16% |
| BPI FAMILY SAVINGS BANK INC | 33,379,473.22 | 25,861,421,331.85 | 0.13% |
| FARMERS SAVINGS & LOAN BANK INC | 135,159.90 | 111,857,927.21 | 0.12% |
| TONGYANG SAVINGS BANK INC | 1,154,527.91 | 991,348,210.41 | 0.12% |
| PNB SAVINGS BANK | 3,473,551.83 | 11,227,304,868.99 | 0.03% |
| BANK OF COMMERCE | 4,681,511.82 | 15,372,861,790.21 | 0.03% |
| KOREA EXCHANGE BANK | 466,900.00 | 1,650,276,581.39 | 0.03% |
| BPI DIRECT SAVINGS BANK INC | 279,026.50 | 1,551,375,150.71 | 0.02% |
| UNITED OVERSEAS BANK PHILIPPINES | 36.00 | 1,013,213,710.78 | 0.00% |
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 0.00 | 1,352,795,650.81 | 0.00% |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 0.00 | 350,233,446.49 | 0.00% |
| BANGKOK BANK PUBLIC CO LTD | 0.00 | 3,096,889,746.15 | 0.00% |
| BANK OF CHINA LIMITED-MANILA BRANCH | 0.00 | 2,560,466,878.29 | 0.00% |
| BANK ONE SAVINGS AND TRUST CORP. | 0.00 | 566,313,403.38 | 0.00% |
| BATAAN DEVELOPMENT BANK | 0.00 | 77,886,567.78 | 0.00% |
| BATAAN SAVINGS AND LOAN BANK | 0.00 | 58,963,858.31 | 0.00% |
| BDO PRIVATE BANK, INC. | 0.00 | 5,574,006,771.00 | 0.00% |
| BUSINESS AND CONSUMERS BANK (A DB) | 0.00 | 86,171,880.35 | 0.00% |
| CARD SME BANK INC A THRIFT BANK | 0.00 | 567,925,344.72 | 0.00% |
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | 0.00 | 2,126,668,534.24 | 0.00% |
| DEUTSCHE BANK AG | 0.00 | 2,335,083,540.71 | 0.00% |
| DUNGGANON BANK (A MICROFINANCE THRIFT BANK) INC | 0.00 | 99,238,416.13 | 0.00% |
| EQUICOM SAVINGS BANK INC | 0.00 | 603,618,876.13 | 0.00% |
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | 0.00 | 2,170,723,845.28 | 0.00% |
| ING BANK N.V. | 0.00 | 2,643,073,866.84 | 0.00% |
| LEMERY SAVINGS & LOAN BANK, INC. | 0.00 | 76,552,736.44 | 0.00% |
| MBANK PHILIPPINES (A THRIFT BANK) INC | 0.00 | 47,908,360.13 | 0.00% |
| MEGA INT'L COMM'L BANK CO LTD | 0.00 | 2,008,657,672.41 | 0.00% |
| MERCHANTS SAVINGS & LOAN ASSN INC | 0.00 | 619,593,346.12 | 0.00% |
| METRO CEBU PUBLIC SAVINGS BANK | 0.00 | 53,298,391.58 | 0.00% |
| MIZUHO BANK LTD - MANILA BRANCH | 0.00 | 2,745,601,783.68 | 0.00% |
| NORTHPOINT DEV'T BANK INC | 0.00 | 315,619,166.13 | 0.00% |
| OPTIMUM DEVELOPMENT BANK INC | 0.00 | 825,164,649.48 | 0.00% |
| PACIFIC ACE SAVINGS BANK INC | 0.00 | 73,124,373.36 | 0.00% |
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS | 0.00 | 1,743,136,918.12 | 0.00% |
| PROGRESS SAVINGS AND LOAN BANK INC | 0.00 | 79,581,923.00 | 0.00% |
| RCBC SAVINGS BANK INC | 0.00 | 9,433,461,493.67 | 0.00% |
| SAMPAGUITA SAVINGS BANK INC | 0.00 | 50,440,248.10 | 0.00% |
| SHINHAN BANK - MANILA BRANCH | 0.00 | 2,103,651,032.60 | 0.00% |
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | 0.00 | 12,878,271,431.75 | 0.00% |
| SUN SAVINGS BANK INC | 0.00 | 144,552,751.03 | 0.00% |
| THE BNK OF TOKYO-MITSUBISHI UFJ LTD | 0.00 | 4,754,838,542.98 | 0.00% |
| UNIVERSITY SAVINGS BANK INC | 0.00 | 401,889,444.22 | 0.00% |
| WORLD PARTNERS BANK (A THRIFT BANK) | 0.00 | 88,050,307.71 | 0.00% |
| Grand Total | 202,894,177,676.87 | 1,326,901,106,805.98 | 15.29% |
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 385.250 million, or 0.19% of its DOSRI Loans fell past due as of December 31, 2015. Of the seventy banks with DOSRI Loans, fifty-four 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, 2015: United Overseas Bank Philippines - it had Php 36.00 DOSRI Past Due out of a total DOSRI Loan portfolio of Php 36.00.
| Philippine Banking System | |||
| DOSRI Past Due as % of DOSRI | |||
| December 31, 2015 | |||
| DOSRI Past Due | DOSRI | DOSRI Past Due/DOSRI | |
| Bank | (In PHP) | (In PHP) | (In %) |
| UNITED OVERSEAS BANK PHILIPPINES | 36.00 | 36.00 | 100.00% |
| LEGAZPI SAVINGS BANK INC | 47,655.89 | 166,771.85 | 28.58% |
| PHIL SAVINGS BANK | 379,504,235.17 | 1,667,247,339.29 | 22.76% |
| PNB SAVINGS BANK | 69,871.69 | 3,473,551.83 | 2.01% |
| CHINA BANK SAVINGS INC | 170,163.91 | 14,989,908.97 | 1.14% |
| PHIL BANK OF COMMUNICATIONS | 164,318.52 | 24,336,079.47 | 0.68% |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 1,251,449.99 | 269,086,783.22 | 0.47% |
| CTBC BANK (PHILIPPINES) CORP | 94,295.03 | 21,079,906.54 | 0.45% |
| UNITED COCONUT PLANTERS BANK | 2,018,747.16 | 501,621,397.97 | 0.40% |
| UCPB SAVINGS BANK | 9,271.86 | 4,512,336.26 | 0.21% |
| BPI FAMILY SAVINGS BANK INC | 29,075.34 | 33,379,473.22 | 0.09% |
| RIZAL COMM'L BANKING CORP | 904,118.56 | 1,125,428,096.22 | 0.08% |
| PHIL NATIONAL BANK | 396,453.09 | 7,502,908,480.08 | 0.01% |
| BANK OF THE PHIL ISLANDS | 342,814.41 | 15,519,554,587.97 | 0.00% |
| CHINA BANKING CORP | 35,953.00 | 4,997,512,615.97 | 0.00% |
| BDO UNIBANK INC | 211,223.69 | 29,504,345,233.29 | 0.00% |
| ANZ BANKING GROUP LTD | 0.00 | 38,010,452.82 | 0.00% |
| ASIA UNITED BANK CORPORATION | 0.00 | 72,778,893.15 | 0.00% |
| BANK OF AMERICA N.A. | 0.00 | 39,002,502.34 | 0.00% |
| BANK OF COMMERCE | 0.00 | 4,681,511.82 | 0.00% |
| BANK OF MAKATI (A SAVINGS BANK) INC | 0.00 | 994,432,641.77 | 0.00% |
| BPI DIRECT SAVINGS BANK INC | 0.00 | 279,026.50 | 0.00% |
| CENTURY SAVINGS BANK CORPORATION | 0.00 | 29,500,000.00 | 0.00% |
| CITIBANK, N.A. | 0.00 | 94,544,885.27 | 0.00% |
| CITY SAVINGS BANK INC | 0.00 | 42,098,535.38 | 0.00% |
| CITYSTATE SAVINGS BANK INC | 0.00 | 317,320,770.29 | 0.00% |
| COMSAVINGS BANK | 0.00 | 7,195,124.46 | 0.00% |
| CORDILLERA SAVINGS BANK INC | 0.00 | 2,059,429.05 | 0.00% |
| DEVELOPMENT BANK OF THE PHIL | 0.00 | 44,952,178,800.89 | 0.00% |
| DUMAGUETE CITY DEV BANK INC | 0.00 | 47,139,684.40 | 0.00% |
| EAST WEST BANKING CORP | 0.00 | 10,654,933,113.75 | 0.00% |
| ENTERPRISE BANK INC (A THRIFT BANK) | 0.00 | 17,239,917.00 | 0.00% |
| FARMERS SAVINGS & LOAN BANK INC | 0.00 | 135,159.90 | 0.00% |
| FIRST CONSOLIDATED BANK INC (A PDB) | 0.00 | 11,596,072.28 | 0.00% |
| HIYAS BANKING CORPORATION | 0.00 | 21,753,419.24 | 0.00% |
| HONGKONG & SHANGHAI BANKING CORP | 0.00 | 404,690,473.21 | 0.00% |
| HSBC SAVINGS BANK(PHILS) INC | 0.00 | 56,167,118.46 | 0.00% |
| INTER-ASIA DEVELOPMENT BANK | 0.00 | 20,953,204.25 | 0.00% |
| ISLA BANK(A THRIFT BANK) INC | 0.00 | 1,038,940.99 | 0.00% |
| JP MORGAN CHASE BANK NATIONAL ASSN. | 0.00 | 38,349,049.27 | 0.00% |
| KOREA EXCHANGE BANK | 0.00 | 466,900.00 | 0.00% |
| LAND BANK OF THE PHILIPPINES | 0.00 | 71,599,584,016.25 | 0.00% |
| LIFE SAVINGS BANK INC | 0.00 | 7,102,708.81 | 0.00% |
| LUZON DEVELOPMENT BANK | 0.00 | 19,780,339.01 | 0.00% |
| MALASIQUI PROGRESSIVE SLB, INC | 0.00 | 7,247,211.24 | 0.00% |
| MALAYAN BANK SAVINGS AND MORT BANK INC | 0.00 | 3,568,765.02 | 0.00% |
| MARITIME SAVINGS BANK CORPORATION | 0.00 | 983,045.00 | 0.00% |
| MAYBANK PHILIPPINES INC | 0.00 | 23,200,000.00 | 0.00% |
| METROPOLITAN BANK & TCO | 0.00 | 4,803,837,904.15 | 0.00% |
| OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE THRIFT BANK) | 0.00 | 3,567,286.20 | 0.00% |
| PAMPANGA DEVELOPMENT BANK | 0.00 | 33,112,467.34 | 0.00% |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 0.00 | 95,949,262.23 | 0.00% |
| PHIL POSTAL SAVINGS BANK INC | 0.00 | 68,886,031.90 | 0.00% |
| PHIL STAR DEVELOPMENT BANK INC | 0.00 | 6,005,347.16 | 0.00% |
| PHIL TRUST COMPANY | 0.00 | 2,301,000,000.00 | 0.00% |
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 0.00 | 1,254,458,523.99 | 0.00% |
| PHILIPPINE VETERANS BANK | 0.00 | 38,578,069.51 | 0.00% |
| PLANTERS DEVELOPMENT BANK | 0.00 | 113,648,503.37 | 0.00% |
| PRODUCERS SAVINGS BANK CORPORATION | 0.00 | 131,016,605.62 | 0.00% |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 0.00 | 260,304,550.88 | 0.00% |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 0.00 | 1,120,361.57 | 0.00% |
| ROBINSONS BANK CORPORATION | 0.00 | 1,169,768,666.18 | 0.00% |
| SECURITY BANK CORP | 0.00 | 1,340,574,750.83 | 0.00% |
| STANDARD CHARTERED BANK | 0.00 | 17,175,184.14 | 0.00% |
| THE PALAWAN BANK (PALAWAN DB) INC | 0.00 | 971,244.54 | 0.00% |
| TONGYANG SAVINGS BANK INC | 0.00 | 1,154,527.91 | 0.00% |
| TOWER DEVELOPMENT BANK | 0.00 | 5,174,662.99 | 0.00% |
| UNION BANK OF THE PHILS | 0.00 | 481,356,065.33 | 0.00% |
| VILLAGE BANK INC (A THRIFT BANK) | 0.00 | 46,000,445.09 | 0.00% |
| WEALTH DEVELOPMENT BANK CORPORATION | 0.00 | 862,905.97 | 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 |
| 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 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 |
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | 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 |
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | 0.00 | 0.00 | NA |
| ING BANK N.V. | 0.00 | 0.00 | NA |
| LEMERY SAVINGS & LOAN BANK, INC. | 0.00 | 0.00 | NA |
| MBANK PHILIPPINES (A THRIFT 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 |
| OPTIMUM DEVELOPMENT BANK INC | 0.00 | 0.00 | NA |
| PACIFIC ACE SAVINGS 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 |
| RCBC SAVINGS BANK INC | 0.00 | 0.00 | NA |
| SAMPAGUITA SAVINGS BANK INC | 0.00 | 0.00 | NA |
| SHINHAN BANK - MANILA BRANCH | 0.00 | 0.00 | NA |
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | 0.00 | 0.00 | NA |
| SUN SAVINGS BANK INC | 0.00 | 0.00 | NA |
| THE BNK OF TOKYO-MITSUBISHI UFJ LTD | 0.00 | 0.00 | NA |
| UNIVERSITY SAVINGS BANK INC | 0.00 | 0.00 | NA |
| WORLD PARTNERS BANK (A THRIFT BANK) | 0.00 | 0.00 | NA |
| Grand Total | 385,249,683.31 | 202,894,177,676.87 | 0.19% |
Source: www.bsp.gov.ph
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