This blog post updates previous blog posts such as MBank Ranks Second in Non-Performing Loans as % of Capital Funds as of March 31, 2016.
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 133.50 billion as of June 30, 2016 - approximately 2.00% of the Philippine Banking Industry's Total Loan Portfolio of Php 6.67 trillion.
| Philippine Banking System | |||
| NPL as % of TLP | |||
| June 30, 2016 | |||
| Gross NPL/ Gross TLP | |||
| Bank | Gross NPLs | Gross TLP | (In %) |
| MBANK PHILIPPINES (A THRIFT BANK) INC | 43,962,199.62 | 56,070,325.42 | 78.41% |
| SAMPAGUITA SAVINGS BANK INC | 22,793,200.13 | 39,753,651.10 | 57.34% |
| PHIL STAR DEVELOPMENT BANK INC | 27,476,658.77 | 56,485,902.82 | 48.64% |
| NORTHPOINT DEV'T BANK INC | 90,582,110.63 | 224,958,205.43 | 40.27% |
| MALASIQUI PROGRESSIVE SLB, INC | 11,269,279.25 | 34,086,089.72 | 33.06% |
| BATAAN DEVELOPMENT BANK | 49,870,042.34 | 152,255,142.61 | 32.75% |
| LEGAZPI SAVINGS BANK INC | 452,148,179.99 | 1,466,114,923.63 | 30.84% |
| OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE THRIFT BANK) | 65,330,857.95 | 229,010,050.08 | 28.53% |
| MARITIME SAVINGS BANK CORPORATION | 32,410,761.69 | 129,316,914.38 | 25.06% |
| PHIL POSTAL SAVINGS BANK INC | 1,536,950,165.58 | 6,326,444,050.15 | 24.29% |
| LIFE SAVINGS BANK INC | 14,292,306.20 | 61,439,728.00 | 23.26% |
| WORLD PARTNERS BANK (A THRIFT BANK) | 79,014,643.18 | 343,913,787.49 | 22.98% |
| DUNGGANON BANK (A MICROFINANCE THRIFT BANK) INC | 23,281,894.32 | 115,933,304.48 | 20.08% |
| METRO CEBU PUBLIC SAVINGS BANK | 18,411,436.08 | 92,783,230.52 | 19.84% |
| PAMPANGA DEVELOPMENT BANK | 54,236,611.11 | 282,002,549.63 | 19.23% |
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS | 1,488,786,917.29 | 8,704,312,490.98 | 17.10% |
| FARMERS SAVINGS & LOAN BANK INC | 32,517,022.88 | 198,322,791.97 | 16.40% |
| PACIFIC ACE SAVINGS BANK INC | 3,585,558.79 | 22,421,557.13 | 15.99% |
| TONGYANG SAVINGS BANK INC | 104,687,339.74 | 664,080,054.93 | 15.76% |
| LUZON DEVELOPMENT BANK | 494,353,264.19 | 3,399,758,540.23 | 14.54% |
| EQUICOM SAVINGS BANK INC | 630,278,538.32 | 4,542,618,822.38 | 13.87% |
| ENTERPRISE BANK INC (A THRIFT BANK) | 203,795,569.05 | 1,493,949,951.07 | 13.64% |
| BANK OF MAKATI (A SAVINGS BANK) INC | 2,532,282,531.41 | 19,797,826,898.94 | 12.79% |
| BATAAN SAVINGS AND LOAN BANK | 1,611,819.28 | 15,049,706.41 | 10.71% |
| CORDILLERA SAVINGS BANK INC | 16,133,117.87 | 170,831,142.11 | 9.44% |
| PHILIPPINE VETERANS BANK | 1,622,350,451.99 | 17,368,225,545.65 | 9.34% |
| THE PALAWAN BANK (PALAWAN DB) INC | 20,480,768.99 | 234,124,038.47 | 8.75% |
| BUSINESS AND CONSUMERS BANK (A DB) | 12,553,457.91 | 147,003,376.68 | 8.54% |
| MALAYAN BANK SAVINGS AND MORT BANK INC | 346,183,356.28 | 4,081,786,959.98 | 8.48% |
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 441,108,498.96 | 5,362,807,717.99 | 8.23% |
| CHINA BANK SAVINGS INC | 4,597,231,811.04 | 56,411,029,792.25 | 8.15% |
| HIYAS BANKING CORPORATION | 16,135,287.17 | 200,211,260.94 | 8.06% |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 148,090,024.00 | 1,902,752,545.45 | 7.78% |
| STANDARD CHARTERED BANK | 2,284,530,263.09 | 29,521,282,782.24 | 7.74% |
| CITYSTATE SAVINGS BANK INC | 172,898,179.50 | 2,358,051,819.83 | 7.33% |
| MICROFINANCE MAXIMUM SB INC | 2,225,328.29 | 33,585,845.30 | 6.63% |
| LEMERY SAVINGS & LOAN BANK, INC. | 4,490,116.81 | 71,476,039.30 | 6.28% |
| DUMAGUETE CITY DEV BANK INC | 31,101,011.91 | 498,004,935.98 | 6.25% |
| PHIL BANK OF COMMUNICATIONS | 2,290,272,280.26 | 37,138,192,469.60 | 6.17% |
| PRODUCERS SAVINGS BANK CORPORATION | 347,199,257.38 | 6,228,571,695.97 | 5.57% |
| UNITED COCONUT PLANTERS BANK | 6,911,986,469.19 | 126,124,306,135.19 | 5.48% |
| INTER-ASIA DEVELOPMENT BANK | 8,643,105.28 | 160,942,843.02 | 5.37% |
| UNION BANK OF THE PHILS | 8,218,543,573.33 | 154,628,653,868.19 | 5.32% |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 998,463,824.41 | 19,379,844,949.55 | 5.15% |
| UCPB SAVINGS BANK | 661,234,335.20 | 12,843,050,055.53 | 5.15% |
| EAST WEST BANKING CORP | 7,912,724,772.09 | 168,307,091,696.48 | 4.70% |
| RCBC SAVINGS BANK INC | 3,199,420,755.50 | 68,965,528,394.71 | 4.64% |
| VILLAGE BANK INC (A THRIFT BANK) | 20,141,994.78 | 445,127,213.39 | 4.52% |
| MAYBANK PHILIPPINES INC | 2,669,115,822.47 | 59,555,982,059.93 | 4.48% |
| BANK ONE SAVINGS AND TRUST CORP. | 33,065,795.27 | 741,019,056.57 | 4.46% |
| CENTURY SAVINGS BANK CORPORATION | 36,913,862.74 | 830,334,274.16 | 4.45% |
| FIRST CONSOLIDATED BANK INC (A PDB) | 465,383,904.95 | 10,717,405,887.25 | 4.34% |
| WEALTH DEVELOPMENT BANK CORPORATION | 188,858,007.72 | 4,471,045,298.97 | 4.22% |
| OPTIMUM DEVELOPMENT BANK INC | 53,012,292.60 | 1,269,946,030.60 | 4.17% |
| PHIL SAVINGS BANK | 4,530,087,688.77 | 122,263,630,638.70 | 3.71% |
| DEVELOPMENT BANK OF THE PHIL | 6,911,247,997.24 | 194,273,190,097.09 | 3.56% |
| BANK OF COMMERCE | 1,886,506,044.85 | 54,261,496,627.99 | 3.48% |
| UNIVERSITY SAVINGS BANK INC | 20,846,206.47 | 600,732,536.54 | 3.47% |
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 1,408,994,771.06 | 42,154,588,298.26 | 3.34% |
| BPI FAMILY SAVINGS BANK INC | 7,159,565,168.62 | 223,872,365,561.74 | 3.20% |
| PHIL TRUST COMPANY | 1,158,050,201.78 | 36,313,945,380.96 | 3.19% |
| TOWER DEVELOPMENT BANK | 6,685,537.47 | 226,814,112.53 | 2.95% |
| SUN SAVINGS BANK INC | 15,076,384.11 | 540,029,198.65 | 2.79% |
| PNB SAVINGS BANK | 634,871,221.72 | 23,972,224,255.84 | 2.65% |
| ASIA UNITED BANK CORPORATION | 2,547,367,758.05 | 96,969,110,335.83 | 2.63% |
| BPI DIRECT SAVINGS BANK INC | 214,944,591.75 | 8,250,859,821.55 | 2.61% |
| MERCHANTS SAVINGS & LOAN ASSN INC | 15,073,857.84 | 601,207,327.09 | 2.51% |
| CITY SAVINGS BANK INC | 1,334,979,051.51 | 54,148,014,009.31 | 2.47% |
| ROBINSONS BANK CORPORATION | 736,544,892.86 | 31,170,772,077.79 | 2.36% |
| PHIL NATIONAL BANK | 8,768,808,377.16 | 372,015,294,784.62 | 2.36% |
| CTBC BANK (PHILIPPINES) CORP | 472,679,805.76 | 23,712,109,862.25 | 1.99% |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 893,105.94 | 46,109,756.46 | 1.94% |
| CARD SME BANK INC A THRIFT BANK | 38,629,666.38 | 2,063,704,324.67 | 1.87% |
| BANK OF CHINA LIMITED-MANILA BRANCH | 189,040,895.91 | 10,364,277,459.41 | 1.82% |
| ANZ BANKING GROUP LTD | 405,496,014.93 | 22,409,243,881.62 | 1.81% |
| CHINA BANKING CORP | 4,911,880,180.52 | 292,036,666,015.33 | 1.68% |
| LAND BANK OF THE PHILIPPINES | 8,111,482,236.93 | 490,591,518,615.36 | 1.65% |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 21,263,240.90 | 1,408,565,126.69 | 1.51% |
| HONGKONG & SHANGHAI BANKING CORP | 895,618,873.66 | 63,430,416,504.41 | 1.41% |
| HSBC SAVINGS BANK(PHILS) INC | 68,072,101.26 | 5,319,690,272.43 | 1.28% |
| BDO UNIBANK INC | 14,719,008,662.34 | 1,376,093,491,960.36 | 1.07% |
| BANK OF THE PHIL ISLANDS | 7,354,653,970.24 | 732,692,947,260.02 | 1.00% |
| RIZAL COMM'L BANKING CORP | 1,916,664,973.55 | 229,548,807,713.73 | 0.83% |
| KOREA EXCHANGE BANK | 23,050,189.24 | 3,665,088,522.17 | 0.63% |
| CITIBANK, N.A. | 826,105,236.33 | 134,124,049,269.06 | 0.62% |
| SECURITY BANK CORP | 1,601,550,101.28 | 271,558,834,315.40 | 0.59% |
| BANGKOK BANK PUBLIC CO LTD | 46,936,941.43 | 9,675,263,489.55 | 0.49% |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 1,092,048.97 | 238,935,765.98 | 0.46% |
| METROPOLITAN BANK & TCO | 2,804,893,015.34 | 754,691,126,066.21 | 0.37% |
| ING BANK N.V. | 96.12 | 8,004,121,813.40 | 0.00% |
| BANK OF AMERICA N.A. | 0.00 | 3,079,569,138.88 | 0.00% |
| BDO PRIVATE BANK, INC. | 0.00 | 7,153,226,947.96 | 0.00% |
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | 0.00 | 677,304,406.06 | 0.00% |
| DEUTSCHE BANK AG | 0.00 | 19,607,284,252.60 | 0.00% |
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | 0.00 | 1,353,309,562.00 | 0.00% |
| ISLA BANK(A THRIFT BANK) INC | 0.00 | 317,361,574.48 | 0.00% |
| JP MORGAN CHASE BANK NATIONAL ASSN. | 0.00 | 16,628,302,260.25 | 0.00% |
| MEGA INT'L COMM'L BANK CO LTD | 0.00 | 10,029,151,577.46 | 0.00% |
| MIZUHO BANK LTD - MANILA BRANCH | 0.00 | 35,839,528,827.47 | 0.00% |
| SHINHAN BANK - MANILA BRANCH | 0.00 | 852,229,356.00 | 0.00% |
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | 0.00 | 10,901,974,044.88 | 0.00% |
| THE BNK OF TOKYO-MITSUBISHI UFJ LTD | 0.00 | 32,923,876,265.51 | 0.00% |
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | 0.00 | 631,404,820.00 | 0.00% |
| Grand Total | 133,503,081,743.06 | 6,671,920,890,493.33 | 2.00% |
There are seven Philippine Banks with a Gross NPL Ratio greater than 30% of Total Loan Portfolio (TLP). These are as follows:
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 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.
- MBank Philippines Inc (78.41% of TLP)
- Sampaguita Savings Bank Inc. (57.34% of TLP)
- Philippine Star Development Bank Inc (48.64% of TLP)
- Northpoint Development Bank (40.27% of TLP)
- Malasiqui Progressive SLB, Inc (33.06% of TLP)
- Bataan Development Bank (32.75% of TLP)
- Legazpi Savings Bank Inc (30.84% of TLP)
Of these banks, one bank has failed and two banks are distressed:
- MBank Philippines Inc
- Bataan Development 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 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 9.25% of Stockholders Equity as of June 30, 2016.
| Philippine Banking System | |||
| NPL as % of SE | |||
| June 30, 2016 | |||
| NPL | SE | NPL/SE | |
| Bank | (In PHP) | (In PHP) | (In %) |
| MBANK PHILIPPINES (A THRIFT BANK) INC | 43,962,199.62 | 26,250,003.83 | 167.48% |
| PHIL POSTAL SAVINGS BANK INC | 1,536,950,165.58 | 1,079,783,540.02 | 142.34% |
| LUZON DEVELOPMENT BANK | 494,353,264.19 | 416,733,280.45 | 118.63% |
| EQUICOM SAVINGS BANK INC | 630,278,538.32 | 617,618,682.91 | 102.05% |
| LEGAZPI SAVINGS BANK INC | 452,148,179.99 | 496,033,557.31 | 91.15% |
| OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE THRIFT BANK) | 65,330,857.95 | 73,940,034.23 | 88.36% |
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS | 1,488,786,917.29 | 1,818,789,489.75 | 81.86% |
| ENTERPRISE BANK INC (A THRIFT BANK) | 203,795,569.05 | 287,486,149.99 | 70.89% |
| BATAAN DEVELOPMENT BANK | 49,870,042.34 | 76,414,810.12 | 65.26% |
| CHINA BANK SAVINGS INC | 4,597,231,811.04 | 7,054,809,000.64 | 65.16% |
| WORLD PARTNERS BANK (A THRIFT BANK) | 79,014,643.18 | 126,181,955.23 | 62.62% |
| THE PALAWAN BANK (PALAWAN DB) INC | 20,480,768.99 | 36,850,127.77 | 55.58% |
| MARITIME SAVINGS BANK CORPORATION | 32,410,761.69 | 64,368,210.04 | 50.35% |
| SAMPAGUITA SAVINGS BANK INC | 22,793,200.13 | 53,089,012.16 | 42.93% |
| PAMPANGA DEVELOPMENT BANK | 54,236,611.11 | 130,535,813.44 | 41.55% |
| BANK OF MAKATI (A SAVINGS BANK) INC | 2,532,282,531.41 | 6,196,653,328.78 | 40.87% |
| WEALTH DEVELOPMENT BANK CORPORATION | 188,858,007.72 | 462,431,438.60 | 40.84% |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 148,090,024.00 | 372,746,052.35 | 39.73% |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 998,463,824.41 | 2,623,486,972.12 | 38.06% |
| METRO CEBU PUBLIC SAVINGS BANK | 18,411,436.08 | 49,669,560.96 | 37.07% |
| PHILIPPINE VETERANS BANK | 1,622,350,451.99 | 4,677,546,607.90 | 34.68% |
| MALAYAN BANK SAVINGS AND MORT BANK INC | 346,183,356.28 | 1,000,604,640.85 | 34.60% |
| UNITED COCONUT PLANTERS BANK | 6,911,986,469.19 | 20,492,870,335.85 | 33.73% |
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 441,108,498.96 | 1,350,989,567.78 | 32.65% |
| RCBC SAVINGS BANK INC | 3,199,420,755.50 | 9,808,451,111.88 | 32.62% |
| STANDARD CHARTERED BANK | 2,284,530,263.09 | 7,044,888,340.11 | 32.43% |
| PHIL STAR DEVELOPMENT BANK INC | 27,476,658.77 | 86,146,274.96 | 31.90% |
| BPI FAMILY SAVINGS BANK INC | 7,159,565,168.62 | 23,624,397,916.83 | 30.31% |
| CITYSTATE SAVINGS BANK INC | 172,898,179.50 | 586,187,817.86 | 29.50% |
| FARMERS SAVINGS & LOAN BANK INC | 32,517,022.88 | 116,195,352.51 | 27.98% |
| NORTHPOINT DEV'T BANK INC | 90,582,110.63 | 327,525,602.44 | 27.66% |
| UCPB SAVINGS BANK | 661,234,335.20 | 2,536,794,737.15 | 26.07% |
| VILLAGE BANK INC (A THRIFT BANK) | 20,141,994.78 | 78,319,006.45 | 25.72% |
| EAST WEST BANKING CORP | 7,912,724,772.09 | 31,081,202,028.55 | 25.46% |
| PHIL SAVINGS BANK | 4,530,087,688.77 | 18,887,583,220.42 | 23.98% |
| PHIL BANK OF COMMUNICATIONS | 2,290,272,280.26 | 9,980,233,673.56 | 22.95% |
| PRODUCERS SAVINGS BANK CORPORATION | 347,199,257.38 | 1,524,859,772.80 | 22.77% |
| LIFE SAVINGS BANK INC | 14,292,306.20 | 63,937,372.87 | 22.35% |
| DUNGGANON BANK (A MICROFINANCE THRIFT BANK) INC | 23,281,894.32 | 104,271,063.48 | 22.33% |
| MAYBANK PHILIPPINES INC | 2,669,115,822.47 | 12,018,493,278.79 | 22.21% |
| MALASIQUI PROGRESSIVE SLB, INC | 11,269,279.25 | 52,340,717.60 | 21.53% |
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 1,408,994,771.06 | 9,023,492,360.04 | 15.61% |
| DEVELOPMENT BANK OF THE PHIL | 6,911,247,997.24 | 45,419,872,891.40 | 15.22% |
| UNION BANK OF THE PHILS | 8,218,543,573.33 | 56,577,745,065.55 | 14.53% |
| INTER-ASIA DEVELOPMENT BANK | 8,643,105.28 | 59,872,165.36 | 14.44% |
| BUSINESS AND CONSUMERS BANK (A DB) | 12,553,457.91 | 88,300,237.85 | 14.22% |
| CITY SAVINGS BANK INC | 1,334,979,051.51 | 9,647,530,174.49 | 13.84% |
| FIRST CONSOLIDATED BANK INC (A PDB) | 465,383,904.95 | 3,598,622,190.10 | 12.93% |
| BPI DIRECT SAVINGS BANK INC | 214,944,591.75 | 1,690,812,387.49 | 12.71% |
| CORDILLERA SAVINGS BANK INC | 16,133,117.87 | 128,118,236.29 | 12.59% |
| DUMAGUETE CITY DEV BANK INC | 31,101,011.91 | 259,383,929.02 | 11.99% |
| BANK OF COMMERCE | 1,886,506,044.85 | 16,120,363,636.35 | 11.70% |
| ASIA UNITED BANK CORPORATION | 2,547,367,758.05 | 22,328,646,145.65 | 11.41% |
| HIYAS BANKING CORPORATION | 16,135,287.17 | 153,556,300.98 | 10.51% |
| TONGYANG SAVINGS BANK INC | 104,687,339.74 | 997,837,310.34 | 10.49% |
| SUN SAVINGS BANK INC | 15,076,384.11 | 147,125,611.71 | 10.25% |
| ANZ BANKING GROUP LTD | 405,496,014.93 | 4,459,614,163.33 | 9.09% |
| LAND BANK OF THE PHILIPPINES | 8,111,482,236.93 | 89,509,759,381.33 | 9.06% |
| CHINA BANKING CORP | 4,911,880,180.52 | 56,760,891,371.70 | 8.65% |
| PHIL NATIONAL BANK | 8,768,808,377.16 | 101,991,665,858.76 | 8.60% |
| MICROFINANCE MAXIMUM SB INC | 2,225,328.29 | 27,201,833.13 | 8.18% |
| BANK OF CHINA LIMITED-MANILA BRANCH | 189,040,895.91 | 2,509,376,554.41 | 7.53% |
| BDO UNIBANK INC | 14,719,008,662.34 | 210,553,087,345.60 | 6.99% |
| CTBC BANK (PHILIPPINES) CORP | 472,679,805.76 | 6,909,861,506.35 | 6.84% |
| HONGKONG & SHANGHAI BANKING CORP | 895,618,873.66 | 14,083,308,897.26 | 6.36% |
| OPTIMUM DEVELOPMENT BANK INC | 53,012,292.60 | 834,991,689.81 | 6.35% |
| CITIBANK, N.A. | 826,105,236.33 | 13,195,119,475.10 | 6.26% |
| CARD SME BANK INC A THRIFT BANK | 38,629,666.38 | 625,967,923.15 | 6.17% |
| ROBINSONS BANK CORPORATION | 736,544,892.86 | 12,505,253,121.59 | 5.89% |
| BANK ONE SAVINGS AND TRUST CORP. | 33,065,795.27 | 567,161,360.14 | 5.83% |
| LEMERY SAVINGS & LOAN BANK, INC. | 4,490,116.81 | 77,879,493.47 | 5.77% |
| PNB SAVINGS BANK | 634,871,221.72 | 11,350,401,870.37 | 5.59% |
| TOWER DEVELOPMENT BANK | 6,685,537.47 | 122,922,006.80 | 5.44% |
| UNIVERSITY SAVINGS BANK INC | 20,846,206.47 | 406,893,388.71 | 5.12% |
| PACIFIC ACE SAVINGS BANK INC | 3,585,558.79 | 71,492,675.46 | 5.02% |
| BANK OF THE PHIL ISLANDS | 7,354,653,970.24 | 155,419,085,585.79 | 4.73% |
| PHIL TRUST COMPANY | 1,158,050,201.78 | 27,611,676,868.06 | 4.19% |
| CENTURY SAVINGS BANK CORPORATION | 36,913,862.74 | 959,425,221.30 | 3.85% |
| HSBC SAVINGS BANK(PHILS) INC | 68,072,101.26 | 1,859,904,358.34 | 3.66% |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 21,263,240.90 | 659,437,226.47 | 3.22% |
| RIZAL COMM'L BANKING CORP | 1,916,664,973.55 | 59,840,254,207.15 | 3.20% |
| BATAAN SAVINGS AND LOAN BANK | 1,611,819.28 | 58,410,077.30 | 2.76% |
| MERCHANTS SAVINGS & LOAN ASSN INC | 15,073,857.84 | 609,565,996.94 | 2.47% |
| SECURITY BANK CORP | 1,601,550,101.28 | 93,932,303,300.77 | 1.71% |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 893,105.94 | 58,165,977.68 | 1.54% |
| BANGKOK BANK PUBLIC CO LTD | 46,936,941.43 | 3,145,983,487.39 | 1.49% |
| METROPOLITAN BANK & TCO | 2,804,893,015.34 | 189,600,494,988.66 | 1.48% |
| KOREA EXCHANGE BANK | 23,050,189.24 | 1,595,156,751.76 | 1.45% |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 1,092,048.97 | 325,874,434.98 | 0.34% |
| ING BANK N.V. | 96.12 | 2,472,191,232.05 | 0.00% |
| BANK OF AMERICA N.A. | 0.00 | 2,091,322,952.20 | 0.00% |
| BDO PRIVATE BANK, INC. | 0.00 | 6,248,101,950.43 | 0.00% |
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | 0.00 | 2,126,668,534.24 | 0.00% |
| DEUTSCHE BANK AG | 0.00 | 2,796,792,647.79 | 0.00% |
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | 0.00 | 2,154,923,095.34 | 0.00% |
| ISLA BANK(A THRIFT BANK) INC | 0.00 | 661,817,655.38 | 0.00% |
| JP MORGAN CHASE BANK NATIONAL ASSN. | 0.00 | 1,393,814,359.76 | 0.00% |
| MEGA INT'L COMM'L BANK CO LTD | 0.00 | 1,835,756,115.78 | 0.00% |
| MIZUHO BANK LTD - MANILA BRANCH | 0.00 | 2,709,835,334.13 | 0.00% |
| SHINHAN BANK - MANILA BRANCH | 0.00 | 2,189,431,028.38 | 0.00% |
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | 0.00 | 12,957,803,323.13 | 0.00% |
| THE BNK OF TOKYO-MITSUBISHI UFJ LTD | 0.00 | 4,554,581,554.75 | 0.00% |
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | 0.00 | 2,411,407,664.26 | 0.00% |
| Grand Total | 133,503,081,743.06 | 1,442,592,023,950.64 | 9.25% |
Source: www.bsp.gov.ph
Of the 102 banks in this list, twenty-eight banks have a Gross NPL to Stockholders Equity Ratio of 30% or more as of March 31, 2016. These banks are as follows:
- MBank Philippines Inc (167.48% of SE)
- Philippine Postal Savings Bank Inc (142.34% of SE)
- Luzon Development Bank (118.63% of SE)
- Equicom Savings Bank Inc. (102.05% of SE)
- Legazpi Savings Bank Inc (91.15% of SE)
- Opportunity Kauswagan Bank, Inc. (88.36% of SE)
- Philippine Resources Savings Banking Corporation (81.86% of SE)
- Enterprise Bank Inc (70.89% of SE)
- Bataan Development Bank (65.26% of SE)
- China Bank Savings Inc (65.16% of SE)
- World Partners Bank (62.62% of SE)
- The Palawan Bank (55.58% of SE)
- Maritime Savings Bank Corporation (50.35% of SE)
- Sampaguita Savings Bank (42.93% of SE)
- Pampanga Development Bank (41.55% of SE)
- Bank of Makati Inc (40.87% of SE)
- Wealth Development Bank Corporation (40.84% of SE)
- Penbank Inc. (39.73% of SE)
- Sterling Bank of Asia, Inc. (38.06% of SE)
- Metro Cebu Public Savings Bank (37.07% of SE)
- Philippine Veterans Bank (34.68%of SE)
- Malayan Bank Savings and Mortgage Bank Inc (34.60% of SE)
- United Coconut Planters Bank (33.73% of SE)
- 1st Valley Bank Inc (32.65% of SE)
- RCBC Savings Bank Inc (32.62% of SE)
- Standard Chartered Bank (32.43% of SE)
- Philippine Star Development Bank Inc (31.90% of SE)
- BPI Family Savings Bank Inc (30.31% of SE
On an overall basis, the DOSRI Loans of Philippine Banks amounted to only 3.10% of their Total Loan Portfolio as of June 30, 2016. Of the 103 banks, thirty-two banks reported having no DOSRI Loans. Of the seventy-one banks with DOSRI Loans, forty 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 (24.27% of TLP)
- Malasiqui Progressive SLB, Inc. (24.02% of TLP)
- Queen City Development Bank (14.42% of TLP)
| Philippine Banking System | |||
| DOSRI as % of TLP | |||
| June 30, 2016 | |||
| DOSRI | TLP | DOSRI/TLP | |
| Bank | (In Php) | (In PHP) | (In %) |
| DEVELOPMENT BANK OF THE PHIL | 47,159,754,600.90 | 194,273,190,097.09 | 24.27% |
| MALASIQUI PROGRESSIVE SLB, INC | 8,186,061.24 | 34,086,089.72 | 24.02% |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 263,859,224.60 | 1,408,565,126.69 | 18.73% |
| LAND BANK OF THE PHILIPPINES | 70,725,639,620.00 | 490,591,518,615.36 | 14.42% |
| INTER-ASIA DEVELOPMENT BANK | 20,106,735.60 | 160,942,843.02 | 12.49% |
| PAMPANGA DEVELOPMENT BANK | 34,225,776.97 | 282,002,549.63 | 12.14% |
| UNIVERSITY SAVINGS BANK INC | 69,997,763.42 | 600,732,536.54 | 11.65% |
| PHIL STAR DEVELOPMENT BANK INC | 5,996,192.25 | 56,485,902.82 | 10.62% |
| DUMAGUETE CITY DEV BANK INC | 46,610,357.28 | 498,004,935.98 | 9.36% |
| LIFE SAVINGS BANK INC | 5,729,438.29 | 61,439,728.00 | 9.33% |
| HIYAS BANKING CORPORATION | 18,435,049.71 | 200,211,260.94 | 9.21% |
| EAST WEST BANKING CORP | 11,354,237,045.40 | 168,307,091,696.48 | 6.75% |
| PHIL TRUST COMPANY | 2,435,000,000.00 | 36,313,945,380.96 | 6.71% |
| BANK OF MAKATI (A SAVINGS BANK) INC | 1,013,443,504.13 | 19,797,826,898.94 | 5.12% |
| VILLAGE BANK INC (A THRIFT BANK) | 20,575,801.11 | 445,127,213.39 | 4.62% |
| ROBINSONS BANK CORPORATION | 1,288,662,396.00 | 31,170,772,077.79 | 4.13% |
| LEMERY SAVINGS & LOAN BANK, INC. | 2,500,000.00 | 71,476,039.30 | 3.50% |
| CENTURY SAVINGS BANK CORPORATION | 27,273,520.00 | 830,334,274.16 | 3.28% |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 61,272,903.16 | 1,902,752,545.45 | 3.22% |
| CITYSTATE SAVINGS BANK INC | 66,932,637.01 | 2,358,051,819.83 | 2.84% |
| BDO UNIBANK INC | 37,461,506,704.54 | 1,376,093,491,960.36 | 2.72% |
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 1,146,312,639.53 | 42,154,588,298.26 | 2.72% |
| PHIL NATIONAL BANK | 8,474,699,140.98 | 372,015,294,784.62 | 2.28% |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 990,894.16 | 46,109,756.46 | 2.15% |
| TOWER DEVELOPMENT BANK | 4,842,658.03 | 226,814,112.53 | 2.14% |
| CHINA BANKING CORP | 4,942,455,019.94 | 292,036,666,015.33 | 1.69% |
| PRODUCERS SAVINGS BANK CORPORATION | 94,345,398.99 | 6,228,571,695.97 | 1.51% |
| BANK OF AMERICA N.A. | 35,655,665.21 | 3,079,569,138.88 | 1.16% |
| THE PALAWAN BANK (PALAWAN DB) INC | 2,557,700.92 | 234,124,038.47 | 1.09% |
| CORDILLERA SAVINGS BANK INC | 1,812,822.00 | 170,831,142.11 | 1.06% |
| BANK OF THE PHIL ISLANDS | 7,626,692,559.84 | 732,692,947,260.02 | 1.04% |
| METROPOLITAN BANK & TCO | 7,429,897,492.58 | 754,691,126,066.21 | 0.98% |
| PHIL SAVINGS BANK | 1,155,580,477.48 | 122,263,630,638.70 | 0.95% |
| PHIL POSTAL SAVINGS BANK INC | 57,236,020.27 | 6,326,444,050.15 | 0.90% |
| ENTERPRISE BANK INC (A THRIFT BANK) | 12,702,825.82 | 1,493,949,951.07 | 0.85% |
| OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE THRIFT BANK) | 1,836,870.61 | 229,010,050.08 | 0.80% |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 150,259,377.40 | 19,379,844,949.55 | 0.78% |
| HSBC SAVINGS BANK(PHILS) INC | 41,241,850.15 | 5,319,690,272.43 | 0.78% |
| MARITIME SAVINGS BANK CORPORATION | 879,706.10 | 129,316,914.38 | 0.68% |
| HONGKONG & SHANGHAI BANKING CORP | 360,802,352.78 | 63,430,416,504.41 | 0.57% |
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS | 45,000,000.00 | 8,704,312,490.98 | 0.52% |
| SECURITY BANK CORP | 1,235,876,224.70 | 271,558,834,315.40 | 0.46% |
| RIZAL COMM'L BANKING CORP | 913,679,616.55 | 229,548,807,713.73 | 0.40% |
| ISLA BANK(A THRIFT BANK) INC | 1,124,611.99 | 317,361,574.48 | 0.35% |
| UNION BANK OF THE PHILS | 450,492,688.92 | 154,628,653,868.19 | 0.29% |
| UNITED COCONUT PLANTERS BANK | 348,042,412.12 | 126,124,306,135.19 | 0.28% |
| JP MORGAN CHASE BANK NATIONAL ASSN. | 43,549,247.73 | 16,628,302,260.25 | 0.26% |
| PHILIPPINE VETERANS BANK | 33,436,224.27 | 17,368,225,545.65 | 0.19% |
| ANZ BANKING GROUP LTD | 41,272,414.90 | 22,409,243,881.62 | 0.18% |
| FIRST CONSOLIDATED BANK INC (A PDB) | 15,343,864.22 | 10,717,405,887.25 | 0.14% |
| TONGYANG SAVINGS BANK INC | 910,763.77 | 664,080,054.93 | 0.14% |
| CTBC BANK (PHILIPPINES) CORP | 21,880,570.59 | 23,712,109,862.25 | 0.09% |
| ASIA UNITED BANK CORPORATION | 74,082,950.25 | 96,969,110,335.83 | 0.08% |
| CITY SAVINGS BANK INC | 41,060,631.37 | 54,148,014,009.31 | 0.08% |
| CITIBANK, N.A. | 94,509,107.53 | 134,124,049,269.06 | 0.07% |
| MALAYAN BANK SAVINGS AND MORT BANK INC | 2,599,867.39 | 4,081,786,959.98 | 0.06% |
| STANDARD CHARTERED BANK | 18,232,043.06 | 29,521,282,782.24 | 0.06% |
| FARMERS SAVINGS & LOAN BANK INC | 108,056.38 | 198,322,791.97 | 0.05% |
| PHIL BANK OF COMMUNICATIONS | 17,141,555.32 | 37,138,192,469.60 | 0.05% |
| MAYBANK PHILIPPINES INC | 24,700,000.00 | 59,555,982,059.93 | 0.04% |
| CHINA BANK SAVINGS INC | 22,910,003.29 | 56,411,029,792.25 | 0.04% |
| PNB SAVINGS BANK | 8,927,692.63 | 23,972,224,255.84 | 0.04% |
| UCPB SAVINGS BANK | 4,581,664.85 | 12,843,050,055.53 | 0.04% |
| LUZON DEVELOPMENT BANK | 903,370.40 | 3,399,758,540.23 | 0.03% |
| LEGAZPI SAVINGS BANK INC | 305,355.20 | 1,466,114,923.63 | 0.02% |
| BPI FAMILY SAVINGS BANK INC | 40,947,125.69 | 223,872,365,561.74 | 0.02% |
| WEALTH DEVELOPMENT BANK CORPORATION | 775,585.42 | 4,471,045,298.97 | 0.02% |
| KOREA EXCHANGE BANK | 369,961.50 | 3,665,088,522.17 | 0.01% |
| BANK OF COMMERCE | 4,189,165.79 | 54,261,496,627.99 | 0.01% |
| RCBC SAVINGS BANK INC | 2,489,252.78 | 68,965,528,394.71 | 0.00% |
| BPI DIRECT SAVINGS BANK INC | 186,947.32 | 8,250,859,821.55 | 0.00% |
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 0.00 | 5,362,807,717.99 | 0.00% |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 0.00 | 238,935,765.98 | 0.00% |
| BANGKOK BANK PUBLIC CO LTD | 0.00 | 9,675,263,489.55 | 0.00% |
| BANK OF CHINA LIMITED-MANILA BRANCH | 0.00 | 10,364,277,459.41 | 0.00% |
| BANK ONE SAVINGS AND TRUST CORP. | 0.00 | 741,019,056.57 | 0.00% |
| BATAAN DEVELOPMENT BANK | 0.00 | 152,255,142.61 | 0.00% |
| BATAAN SAVINGS AND LOAN BANK | 0.00 | 15,049,706.41 | 0.00% |
| BDO PRIVATE BANK, INC. | 0.00 | 7,153,226,947.96 | 0.00% |
| BUSINESS AND CONSUMERS BANK (A DB) | 0.00 | 147,003,376.68 | 0.00% |
| CARD SME BANK INC A THRIFT BANK | 0.00 | 2,063,704,324.67 | 0.00% |
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | 0.00 | 677,304,406.06 | 0.00% |
| DEUTSCHE BANK AG | 0.00 | 19,607,284,252.60 | 0.00% |
| DUNGGANON BANK (A MICROFINANCE THRIFT BANK) INC | 0.00 | 115,933,304.48 | 0.00% |
| EQUICOM SAVINGS BANK INC | 0.00 | 4,542,618,822.38 | 0.00% |
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | 0.00 | 1,353,309,562.00 | 0.00% |
| ING BANK N.V. | 0.00 | 8,004,121,813.40 | 0.00% |
| MBANK PHILIPPINES (A THRIFT BANK) INC | 0.00 | 56,070,325.42 | 0.00% |
| MEGA INT'L COMM'L BANK CO LTD | 0.00 | 10,029,151,577.46 | 0.00% |
| MERCHANTS SAVINGS & LOAN ASSN INC | 0.00 | 601,207,327.09 | 0.00% |
| METRO CEBU PUBLIC SAVINGS BANK | 0.00 | 92,783,230.52 | 0.00% |
| MICROFINANCE MAXIMUM SB INC | 0.00 | 33,585,845.30 | 0.00% |
| MIZUHO BANK LTD - MANILA BRANCH | 0.00 | 35,839,528,827.47 | 0.00% |
| NORTHPOINT DEV'T BANK INC | 0.00 | 224,958,205.43 | 0.00% |
| OPTIMUM DEVELOPMENT BANK INC | 0.00 | 1,269,946,030.60 | 0.00% |
| PACIFIC ACE SAVINGS BANK INC | 0.00 | 22,421,557.13 | 0.00% |
| SAMPAGUITA SAVINGS BANK INC | 0.00 | 39,753,651.10 | 0.00% |
| SHINHAN BANK - MANILA BRANCH | 0.00 | 852,229,356.00 | 0.00% |
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | 0.00 | 10,901,974,044.88 | 0.00% |
| SUN SAVINGS BANK INC | 0.00 | 540,029,198.65 | 0.00% |
| THE BNK OF TOKYO-MITSUBISHI UFJ LTD | 0.00 | 32,923,876,265.51 | 0.00% |
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | 0.00 | 631,404,820.00 | 0.00% |
| WORLD PARTNERS BANK (A THRIFT BANK) | 0.00 | 343,913,787.49 | 0.00% |
| Grand Total | 207,140,375,780.33 | 6,671,920,890,493.33 | 3.10% |
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 14.36% of Stockholders Equity as of June 30, 2016. One bank has DOSRI Loans that exceeds 80% of its capital: Development Bank of the Philippines (103.83% of SE).
| Philippine Banking System | |||
| DOSRI as % of Stockholders Equity | |||
| June 30, 2016 | |||
| DOSRI | SE | DOSRI/SE | |
| Bank | (In Php) | (In PHP) | (In %) |
| DEVELOPMENT BANK OF THE PHIL | 47,159,754,600.90 | 45,419,872,891.40 | 103.83% |
| LAND BANK OF THE PHILIPPINES | 70,725,639,620.00 | 89,509,759,381.33 | 79.01% |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 263,859,224.60 | 659,437,226.47 | 40.01% |
| EAST WEST BANKING CORP | 11,354,237,045.40 | 31,081,202,028.55 | 36.53% |
| INTER-ASIA DEVELOPMENT BANK | 20,106,735.60 | 59,872,165.36 | 33.58% |
| VILLAGE BANK INC (A THRIFT BANK) | 20,575,801.11 | 78,319,006.45 | 26.27% |
| PAMPANGA DEVELOPMENT BANK | 34,225,776.97 | 130,535,813.44 | 26.22% |
| DUMAGUETE CITY DEV BANK INC | 46,610,357.28 | 259,383,929.02 | 17.97% |
| BDO UNIBANK INC | 37,461,506,704.54 | 210,553,087,345.60 | 17.79% |
| UNIVERSITY SAVINGS BANK INC | 69,997,763.42 | 406,893,388.71 | 17.20% |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 61,272,903.16 | 372,746,052.35 | 16.44% |
| BANK OF MAKATI (A SAVINGS BANK) INC | 1,013,443,504.13 | 6,196,653,328.78 | 16.35% |
| MALASIQUI PROGRESSIVE SLB, INC | 8,186,061.24 | 52,340,717.60 | 15.64% |
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 1,146,312,639.53 | 9,023,492,360.04 | 12.70% |
| HIYAS BANKING CORPORATION | 18,435,049.71 | 153,556,300.98 | 12.01% |
| CITYSTATE SAVINGS BANK INC | 66,932,637.01 | 586,187,817.86 | 11.42% |
| ROBINSONS BANK CORPORATION | 1,288,662,396.00 | 12,505,253,121.59 | 10.30% |
| LIFE SAVINGS BANK INC | 5,729,438.29 | 63,937,372.87 | 8.96% |
| PHIL TRUST COMPANY | 2,435,000,000.00 | 27,611,676,868.06 | 8.82% |
| CHINA BANKING CORP | 4,942,455,019.94 | 56,760,891,371.70 | 8.71% |
| PHIL NATIONAL BANK | 8,474,699,140.98 | 101,991,665,858.76 | 8.31% |
| PHIL STAR DEVELOPMENT BANK INC | 5,996,192.25 | 86,146,274.96 | 6.96% |
| THE PALAWAN BANK (PALAWAN DB) INC | 2,557,700.92 | 36,850,127.77 | 6.94% |
| PRODUCERS SAVINGS BANK CORPORATION | 94,345,398.99 | 1,524,859,772.80 | 6.19% |
| PHIL SAVINGS BANK | 1,155,580,477.48 | 18,887,583,220.42 | 6.12% |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 150,259,377.40 | 2,623,486,972.12 | 5.73% |
| PHIL POSTAL SAVINGS BANK INC | 57,236,020.27 | 1,079,783,540.02 | 5.30% |
| BANK OF THE PHIL ISLANDS | 7,626,692,559.84 | 155,419,085,585.79 | 4.91% |
| ENTERPRISE BANK INC (A THRIFT BANK) | 12,702,825.82 | 287,486,149.99 | 4.42% |
| TOWER DEVELOPMENT BANK | 4,842,658.03 | 122,922,006.80 | 3.94% |
| METROPOLITAN BANK & TCO | 7,429,897,492.58 | 189,600,494,988.66 | 3.92% |
| LEMERY SAVINGS & LOAN BANK, INC. | 2,500,000.00 | 77,879,493.47 | 3.21% |
| JP MORGAN CHASE BANK NATIONAL ASSN. | 43,549,247.73 | 1,393,814,359.76 | 3.12% |
| CENTURY SAVINGS BANK CORPORATION | 27,273,520.00 | 959,425,221.30 | 2.84% |
| HONGKONG & SHANGHAI BANKING CORP | 360,802,352.78 | 14,083,308,897.26 | 2.56% |
| OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE THRIFT BANK) | 1,836,870.61 | 73,940,034.23 | 2.48% |
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS | 45,000,000.00 | 1,818,789,489.75 | 2.47% |
| HSBC SAVINGS BANK(PHILS) INC | 41,241,850.15 | 1,859,904,358.34 | 2.22% |
| BANK OF AMERICA N.A. | 35,655,665.21 | 2,091,322,952.20 | 1.70% |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 990,894.16 | 58,165,977.68 | 1.70% |
| UNITED COCONUT PLANTERS BANK | 348,042,412.12 | 20,492,870,335.85 | 1.70% |
| RIZAL COMM'L BANKING CORP | 913,679,616.55 | 59,840,254,207.15 | 1.53% |
| CORDILLERA SAVINGS BANK INC | 1,812,822.00 | 128,118,236.29 | 1.41% |
| MARITIME SAVINGS BANK CORPORATION | 879,706.10 | 64,368,210.04 | 1.37% |
| SECURITY BANK CORP | 1,235,876,224.70 | 93,932,303,300.77 | 1.32% |
| ANZ BANKING GROUP LTD | 41,272,414.90 | 4,459,614,163.33 | 0.93% |
| UNION BANK OF THE PHILS | 450,492,688.92 | 56,577,745,065.55 | 0.80% |
| CITIBANK, N.A. | 94,509,107.53 | 13,195,119,475.10 | 0.72% |
| PHILIPPINE VETERANS BANK | 33,436,224.27 | 4,677,546,607.90 | 0.71% |
| FIRST CONSOLIDATED BANK INC (A PDB) | 15,343,864.22 | 3,598,622,190.10 | 0.43% |
| CITY SAVINGS BANK INC | 41,060,631.37 | 9,647,530,174.49 | 0.43% |
| ASIA UNITED BANK CORPORATION | 74,082,950.25 | 22,328,646,145.65 | 0.33% |
| CHINA BANK SAVINGS INC | 22,910,003.29 | 7,054,809,000.64 | 0.32% |
| CTBC BANK (PHILIPPINES) CORP | 21,880,570.59 | 6,909,861,506.35 | 0.32% |
| MALAYAN BANK SAVINGS AND MORT BANK INC | 2,599,867.39 | 1,000,604,640.85 | 0.26% |
| STANDARD CHARTERED BANK | 18,232,043.06 | 7,044,888,340.11 | 0.26% |
| LUZON DEVELOPMENT BANK | 903,370.40 | 416,733,280.45 | 0.22% |
| MAYBANK PHILIPPINES INC | 24,700,000.00 | 12,018,493,278.79 | 0.21% |
| UCPB SAVINGS BANK | 4,581,664.85 | 2,536,794,737.15 | 0.18% |
| BPI FAMILY SAVINGS BANK INC | 40,947,125.69 | 23,624,397,916.83 | 0.17% |
| PHIL BANK OF COMMUNICATIONS | 17,141,555.32 | 9,980,233,673.56 | 0.17% |
| ISLA BANK(A THRIFT BANK) INC | 1,124,611.99 | 661,817,655.38 | 0.17% |
| WEALTH DEVELOPMENT BANK CORPORATION | 775,585.42 | 462,431,438.60 | 0.17% |
| FARMERS SAVINGS & LOAN BANK INC | 108,056.38 | 116,195,352.51 | 0.09% |
| TONGYANG SAVINGS BANK INC | 910,763.77 | 997,837,310.34 | 0.09% |
| PNB SAVINGS BANK | 8,927,692.63 | 11,350,401,870.37 | 0.08% |
| LEGAZPI SAVINGS BANK INC | 305,355.20 | 496,033,557.31 | 0.06% |
| BANK OF COMMERCE | 4,189,165.79 | 16,120,363,636.35 | 0.03% |
| RCBC SAVINGS BANK INC | 2,489,252.78 | 9,808,451,111.88 | 0.03% |
| KOREA EXCHANGE BANK | 369,961.50 | 1,595,156,751.76 | 0.02% |
| BPI DIRECT SAVINGS BANK INC | 186,947.32 | 1,690,812,387.49 | 0.01% |
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 0.00 | 1,350,989,567.78 | 0.00% |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 0.00 | 325,874,434.98 | 0.00% |
| BANGKOK BANK PUBLIC CO LTD | 0.00 | 3,145,983,487.39 | 0.00% |
| BANK OF CHINA LIMITED-MANILA BRANCH | 0.00 | 2,509,376,554.41 | 0.00% |
| BANK ONE SAVINGS AND TRUST CORP. | 0.00 | 567,161,360.14 | 0.00% |
| BATAAN DEVELOPMENT BANK | 0.00 | 76,414,810.12 | 0.00% |
| BATAAN SAVINGS AND LOAN BANK | 0.00 | 58,410,077.30 | 0.00% |
| BDO PRIVATE BANK, INC. | 0.00 | 6,248,101,950.43 | 0.00% |
| BUSINESS AND CONSUMERS BANK (A DB) | 0.00 | 88,300,237.85 | 0.00% |
| CARD SME BANK INC A THRIFT BANK | 0.00 | 625,967,923.15 | 0.00% |
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | 0.00 | 2,126,668,534.24 | 0.00% |
| DEUTSCHE BANK AG | 0.00 | 2,796,792,647.79 | 0.00% |
| DUNGGANON BANK (A MICROFINANCE THRIFT BANK) INC | 0.00 | 104,271,063.48 | 0.00% |
| EQUICOM SAVINGS BANK INC | 0.00 | 617,618,682.91 | 0.00% |
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | 0.00 | 2,154,923,095.34 | 0.00% |
| ING BANK N.V. | 0.00 | 2,472,191,232.05 | 0.00% |
| MBANK PHILIPPINES (A THRIFT BANK) INC | 0.00 | 26,250,003.83 | 0.00% |
| MEGA INT'L COMM'L BANK CO LTD | 0.00 | 1,835,756,115.78 | 0.00% |
| MERCHANTS SAVINGS & LOAN ASSN INC | 0.00 | 609,565,996.94 | 0.00% |
| METRO CEBU PUBLIC SAVINGS BANK | 0.00 | 49,669,560.96 | 0.00% |
| MICROFINANCE MAXIMUM SB INC | 0.00 | 27,201,833.13 | 0.00% |
| MIZUHO BANK LTD - MANILA BRANCH | 0.00 | 2,709,835,334.13 | 0.00% |
| NORTHPOINT DEV'T BANK INC | 0.00 | 327,525,602.44 | 0.00% |
| OPTIMUM DEVELOPMENT BANK INC | 0.00 | 834,991,689.81 | 0.00% |
| PACIFIC ACE SAVINGS BANK INC | 0.00 | 71,492,675.46 | 0.00% |
| SAMPAGUITA SAVINGS BANK INC | 0.00 | 53,089,012.16 | 0.00% |
| SHINHAN BANK - MANILA BRANCH | 0.00 | 2,189,431,028.38 | 0.00% |
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | 0.00 | 12,957,803,323.13 | 0.00% |
| SUN SAVINGS BANK INC | 0.00 | 147,125,611.71 | 0.00% |
| THE BNK OF TOKYO-MITSUBISHI UFJ LTD | 0.00 | 4,554,581,554.75 | 0.00% |
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | 0.00 | 2,411,407,664.26 | 0.00% |
| WORLD PARTNERS BANK (A THRIFT BANK) | 0.00 | 126,181,955.23 | 0.00% |
| Grand Total | 207,140,375,780.33 | 1,442,592,023,950.64 | 14.36% |
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 3.01 million, or 0.00% of its DOSRI Loans fell past due as of June 30, 2016. Of the seventy-one banks with DOSRI Loans, sixty-seven banks had zero past due DOSRI Loans. Not one bank had past-due DOSRI Loans exceeding 30% of their Total DOSRI Loan Portfolio as of June 30, 2016.
| Philippine Banking System | |||
| DOSRI Past Due as % of DOSRI | |||
| June 30, 2016 | |||
| DOSRI Past Due | DOSRI | DOSRI Past Due/DOSRI | |
| Bank | (In PHP) | (In PHP) | (In %) |
| LEGAZPI SAVINGS BANK INC | 47,655.89 | 305,355.20 | 15.61% |
| UNITED COCONUT PLANTERS BANK | 2,448,246.53 | 348,042,412.12 | 0.70% |
| UCPB SAVINGS BANK | 9,275.86 | 4,581,664.85 | 0.20% |
| BDO UNIBANK INC | 503,184.87 | 37,461,506,704.54 | 0.00% |
| ANZ BANKING GROUP LTD | 0.00 | 41,272,414.90 | 0.00% |
| ASIA UNITED BANK CORPORATION | 0.00 | 74,082,950.25 | 0.00% |
| BANK OF AMERICA N.A. | 0.00 | 35,655,665.21 | 0.00% |
| BANK OF COMMERCE | 0.00 | 4,189,165.79 | 0.00% |
| BANK OF MAKATI (A SAVINGS BANK) INC | 0.00 | 1,013,443,504.13 | 0.00% |
| BANK OF THE PHIL ISLANDS | 0.00 | 7,626,692,559.84 | 0.00% |
| BPI DIRECT SAVINGS BANK INC | 0.00 | 186,947.32 | 0.00% |
| BPI FAMILY SAVINGS BANK INC | 0.00 | 40,947,125.69 | 0.00% |
| CENTURY SAVINGS BANK CORPORATION | 0.00 | 27,273,520.00 | 0.00% |
| CHINA BANK SAVINGS INC | 0.00 | 22,910,003.29 | 0.00% |
| CHINA BANKING CORP | 0.00 | 4,942,455,019.94 | 0.00% |
| CITIBANK, N.A. | 0.00 | 94,509,107.53 | 0.00% |
| CITY SAVINGS BANK INC | 0.00 | 41,060,631.37 | 0.00% |
| CITYSTATE SAVINGS BANK INC | 0.00 | 66,932,637.01 | 0.00% |
| CORDILLERA SAVINGS BANK INC | 0.00 | 1,812,822.00 | 0.00% |
| CTBC BANK (PHILIPPINES) CORP | 0.00 | 21,880,570.59 | 0.00% |
| DEVELOPMENT BANK OF THE PHIL | 0.00 | 47,159,754,600.90 | 0.00% |
| DUMAGUETE CITY DEV BANK INC | 0.00 | 46,610,357.28 | 0.00% |
| EAST WEST BANKING CORP | 0.00 | 11,354,237,045.40 | 0.00% |
| ENTERPRISE BANK INC (A THRIFT BANK) | 0.00 | 12,702,825.82 | 0.00% |
| FARMERS SAVINGS & LOAN BANK INC | 0.00 | 108,056.38 | 0.00% |
| FIRST CONSOLIDATED BANK INC (A PDB) | 0.00 | 15,343,864.22 | 0.00% |
| HIYAS BANKING CORPORATION | 0.00 | 18,435,049.71 | 0.00% |
| HONGKONG & SHANGHAI BANKING CORP | 0.00 | 360,802,352.78 | 0.00% |
| HSBC SAVINGS BANK(PHILS) INC | 0.00 | 41,241,850.15 | 0.00% |
| INTER-ASIA DEVELOPMENT BANK | 0.00 | 20,106,735.60 | 0.00% |
| ISLA BANK(A THRIFT BANK) INC | 0.00 | 1,124,611.99 | 0.00% |
| JP MORGAN CHASE BANK NATIONAL ASSN. | 0.00 | 43,549,247.73 | 0.00% |
| KOREA EXCHANGE BANK | 0.00 | 369,961.50 | 0.00% |
| LAND BANK OF THE PHILIPPINES | 0.00 | 70,725,639,620.00 | 0.00% |
| LEMERY SAVINGS & LOAN BANK, INC. | 0.00 | 2,500,000.00 | 0.00% |
| LIFE SAVINGS BANK INC | 0.00 | 5,729,438.29 | 0.00% |
| LUZON DEVELOPMENT BANK | 0.00 | 903,370.40 | 0.00% |
| MALASIQUI PROGRESSIVE SLB, INC | 0.00 | 8,186,061.24 | 0.00% |
| MALAYAN BANK SAVINGS AND MORT BANK INC | 0.00 | 2,599,867.39 | 0.00% |
| MARITIME SAVINGS BANK CORPORATION | 0.00 | 879,706.10 | 0.00% |
| MAYBANK PHILIPPINES INC | 0.00 | 24,700,000.00 | 0.00% |
| METROPOLITAN BANK & TCO | 0.00 | 7,429,897,492.58 | 0.00% |
| OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE THRIFT BANK) | 0.00 | 1,836,870.61 | 0.00% |
| PAMPANGA DEVELOPMENT BANK | 0.00 | 34,225,776.97 | 0.00% |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 0.00 | 61,272,903.16 | 0.00% |
| PHIL BANK OF COMMUNICATIONS | 0.00 | 17,141,555.32 | 0.00% |
| PHIL NATIONAL BANK | 0.00 | 8,474,699,140.98 | 0.00% |
| PHIL POSTAL SAVINGS BANK INC | 0.00 | 57,236,020.27 | 0.00% |
| PHIL SAVINGS BANK | 0.00 | 1,155,580,477.48 | 0.00% |
| PHIL STAR DEVELOPMENT BANK INC | 0.00 | 5,996,192.25 | 0.00% |
| PHIL TRUST COMPANY | 0.00 | 2,435,000,000.00 | 0.00% |
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 0.00 | 1,146,312,639.53 | 0.00% |
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS | 0.00 | 45,000,000.00 | 0.00% |
| PHILIPPINE VETERANS BANK | 0.00 | 33,436,224.27 | 0.00% |
| PNB SAVINGS BANK | 0.00 | 8,927,692.63 | 0.00% |
| PRODUCERS SAVINGS BANK CORPORATION | 0.00 | 94,345,398.99 | 0.00% |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 0.00 | 263,859,224.60 | 0.00% |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 0.00 | 990,894.16 | 0.00% |
| RCBC SAVINGS BANK INC | 0.00 | 2,489,252.78 | 0.00% |
| RIZAL COMM'L BANKING CORP | 0.00 | 913,679,616.55 | 0.00% |
| ROBINSONS BANK CORPORATION | 0.00 | 1,288,662,396.00 | 0.00% |
| SECURITY BANK CORP | 0.00 | 1,235,876,224.70 | 0.00% |
| STANDARD CHARTERED BANK | 0.00 | 18,232,043.06 | 0.00% |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 0.00 | 150,259,377.40 | 0.00% |
| THE PALAWAN BANK (PALAWAN DB) INC | 0.00 | 2,557,700.92 | 0.00% |
| TONGYANG SAVINGS BANK INC | 0.00 | 910,763.77 | 0.00% |
| TOWER DEVELOPMENT BANK | 0.00 | 4,842,658.03 | 0.00% |
| UNION BANK OF THE PHILS | 0.00 | 450,492,688.92 | 0.00% |
| UNIVERSITY SAVINGS BANK INC | 0.00 | 69,997,763.42 | 0.00% |
| VILLAGE BANK INC (A THRIFT BANK) | 0.00 | 20,575,801.11 | 0.00% |
| WEALTH DEVELOPMENT BANK CORPORATION | 0.00 | 775,585.42 | 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 |
| 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 |
| 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 |
| OPTIMUM DEVELOPMENT BANK INC | 0.00 | 0.00 | NA |
| PACIFIC ACE 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 |
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | 0.00 | 0.00 | NA |
| WORLD PARTNERS BANK (A THRIFT BANK) | 0.00 | 0.00 | NA |
| Grand Total | 3,008,363.15 | 207,140,375,780.33 | 0.00% |
Source: www.bsp.gov.ph
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