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Monday, June 12, 2017

Philippine Postal Savings Bank Ranks First in Non-Performing Loans as % of Stockholder's Equity as of December 31, 2016

Editor's Note: Data is culled from  the Published Statements of Condition of individual Philippine Banks found in www.bsp.gov.ph.  

This blog post updates previous blog posts such as BPI Globe Banko Inc Ranks First in Non-Performing Loans as % of Total Loan Portfolio as of September 30, 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 130.56 billion as of December 31, 2016 - approximately 1.74% of the Philippine Banking Industry's Total Loan Portfolio of Php 7.48 trillion.



Philippine Banking System
NPL as % of TLP
December 31, 2016











Gross NPL/ Gross TLP
Bank Gross NPLs Gross TLP (In %)
BANGKO KABAYAN INC (A PRIVATE DEVELOPMENT BANK) 39,444,210.03 39,444,210.03 100.00%
PHIL STAR DEVELOPMENT BANK INC 19,238,385.28 32,992,244.19 58.31%
NORTHPOINT DEV'T BANK INC 122,915,455.83 337,420,000.14 36.43%
PHIL POSTAL SAVINGS BANK INC 2,105,663,775.71 5,947,675,685.70 35.40%
MALASIQUI PROGRESSIVE SLB, INC 12,713,229.25 38,394,486.67 33.11%
WORLD PARTNERS BANK (A THRIFT BANK) 107,415,667.13 355,580,295.26 30.21%
LEGAZPI SAVINGS BANK INC 447,417,498.87 1,487,114,113.79 30.09%
LIFE SAVINGS BANK INC 14,205,894.15 59,140,110.57 24.02%
DUNGGANON BANK (A MICROFINANCE THRIFT BANK) INC 28,178,352.90 119,455,414.52 23.59%
BATAAN DEVELOPMENT BANK 31,340,481.42 144,492,801.18 21.69%
MARITIME SAVINGS BANK CORPORATION 24,652,054.39 114,823,213.88 21.47%
METRO CEBU PUBLIC SAVINGS BANK 21,100,005.39 111,831,958.78 18.87%
YUANTA SAVINGS BANK PHILIPPINES INC 112,039,320.83 607,810,935.69 18.43%
LUZON DEVELOPMENT BANK 544,175,490.99 3,090,678,372.15 17.61%
HIYAS BANKING CORPORATION 34,826,424.16 204,019,193.14 17.07%
PAMPANGA DEVELOPMENT BANK 49,744,868.65 324,391,213.88 15.33%
ENTERPRISE BANK INC (A THRIFT BANK) 232,694,561.97 1,577,950,947.00 14.75%
BATAAN SAVINGS AND LOAN BANK 1,808,578.20 13,091,863.71 13.81%
MALAYAN BANK SAVINGS AND MORT BANK INC 574,727,293.20 4,166,624,565.76 13.79%
FARMERS SAVINGS & LOAN BANK INC 22,696,612.39 177,201,937.27 12.81%
UNIVERSITY SAVINGS BANK INC 72,145,206.72 592,804,050.63 12.17%
EQUICOM SAVINGS BANK INC 601,715,967.86 5,310,812,911.58 11.33%
BANK OF MAKATI (A SAVINGS BANK) INC 2,243,073,464.02 20,715,275,472.13 10.83%
PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS 955,755,336.48 9,013,155,641.33 10.60%
PHILIPPINE VETERANS BANK 1,898,738,872.12 18,360,278,612.26 10.34%
BUSINESS AND CONSUMERS BANK (A DB) 13,970,890.80 149,623,891.46 9.34%
STANDARD CHARTERED BANK 2,123,003,347.70 23,436,795,607.01 9.06%
CORDILLERA SAVINGS BANK INC 14,588,524.39 169,914,450.03 8.59%
PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) 146,519,151.74 1,921,467,650.80 7.63%
CHINA BANK SAVINGS INC 4,293,974,170.33 59,319,114,218.04 7.24%
UCPB SAVINGS BANK 975,156,384.32 14,229,854,931.30 6.85%
THE PALAWAN BANK (PALAWAN DB) INC 14,849,692.88 235,896,420.26 6.30%
1ST VALLEY BANK INC A DEVELOPMENT BANK 346,548,011.68 5,700,225,531.32 6.08%
OPTIMUM DEVELOPMENT BANK INC 90,959,273.89 1,614,580,539.97 5.63%
BPI DIRECT BANKO INC A SAVINGS BANK 547,319,743.95 9,730,025,412.83 5.63%
CENTURY SAVINGS BANK CORPORATION 34,734,041.96 632,087,000.13 5.50%
PHIL BANK OF COMMUNICATIONS 2,259,014,990.06 41,705,821,743.45 5.42%
CITYSTATE SAVINGS BANK INC 119,756,629.16 2,306,021,560.81 5.19%
FIRST CONSOLIDATED BANK INC (A PDB) 590,763,111.01 11,844,040,679.45 4.99%
RCBC SAVINGS BANK INC 3,715,336,441.78 75,545,993,787.19 4.92%
VILLAGE BANK INC (A THRIFT BANK) 20,037,722.29 442,361,455.52 4.53%
WEALTH DEVELOPMENT BANK CORPORATION 240,199,722.90 5,347,962,119.19 4.49%
INTER-ASIA DEVELOPMENT BANK 7,566,983.61 168,932,594.07 4.48%
EAST WEST BANKING CORP 8,227,387,109.25 191,045,413,148.52 4.31%
UNITED COCONUT PLANTERS BANK 5,989,286,726.79 147,864,736,846.76 4.05%
STERLING BANK OF ASIA INC (A SAVINGS BANK) 936,700,031.78 23,676,183,135.95 3.96%
UNION BANK OF THE PHILS 7,778,178,634.93 200,350,112,046.95 3.88%
PRODUCERS SAVINGS BANK CORPORATION 311,505,684.33 8,314,481,127.98 3.75%
DUMAGUETE CITY DEV BANK INC 20,850,370.14 570,425,058.39 3.66%
BPI FAMILY SAVINGS BANK INC 7,497,941,572.20 212,617,975,494.55 3.53%
PHIL SAVINGS BANK 4,531,110,557.04 132,512,493,638.57 3.42%
ANZ BANKING GROUP LTD 404,087,064.26 12,333,004,293.70 3.28%
MAYBANK PHILIPPINES INCORPORATED 2,036,189,716.30 63,685,257,195.46 3.20%
LEMERY SAVINGS & LOAN BANK, INC. 2,987,856.52 103,872,835.45 2.88%
BANK OF COMMERCE 1,777,798,286.62 63,682,661,294.83 2.79%
PNB SAVINGS BANK 829,192,484.27 31,280,745,023.62 2.65%
PHILIPPINE BUSINESS BANK INC A SAVINGS BANK 1,322,295,019.15 52,370,135,183.54 2.52%
CITY SAVINGS BANK INC 1,530,120,230.40 61,862,679,861.94 2.47%
PHIL NATIONAL BANK 8,771,559,273.58 379,676,469,282.60 2.31%
BANK ONE SAVINGS AND TRUST CORP. 23,101,952.55 1,052,337,068.78 2.20%
MERCHANTS SAVINGS & LOAN ASSN INC 15,291,332.84 702,306,744.45 2.18%
PHIL TRUST COMPANY 1,172,897,983.43 56,873,365,906.05 2.06%
SUN SAVINGS BANK INC 15,103,167.59 746,580,415.95 2.02%
DEVELOPMENT BANK OF THE PHIL 4,802,651,348.83 240,900,072,320.91 1.99%
CTBC BANK (PHILIPPINES) CORP 460,786,467.63 24,733,046,555.45 1.86%
AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS 6,509,512.97 361,188,766.22 1.80%
ROBINSONS BANK CORPORATION 691,088,663.30 38,547,492,875.47 1.79%
CARD SME BANK INC A THRIFT BANK 48,473,003.59 2,740,940,058.31 1.77%
HSBC SAVINGS BANK(PHILS) INC 63,448,045.28 4,224,855,301.00 1.50%
ASIA UNITED BANK CORPORATION 1,475,266,303.18 100,542,920,804.14 1.47%
LAND BANK OF THE PHILIPPINES 7,173,190,275.55 519,368,974,881.10 1.38%
QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK 22,071,051.75 1,650,367,287.13 1.34%
HONGKONG & SHANGHAI BANKING CORP 797,673,955.04 60,895,866,724.84 1.31%
BANK OF CHINA LIMITED-MANILA BRANCH 189,040,895.91 14,803,919,494.79 1.28%
CHINA BANKING CORP 3,728,985,069.67 333,146,862,312.19 1.12%
BDO UNIBANK INC 15,854,555,894.59 1,500,173,632,609.98 1.06%
QUEZON COCONUT BANK INC (A THRIFT BANK) 440,570.84 46,870,344.32 0.94%
BANK OF THE PHIL ISLANDS 7,688,633,689.58 839,031,405,085.46 0.92%
RIZAL COMM'L BANKING CORP 1,913,419,749.01 233,169,271,644.99 0.82%
SECURITY BANK CORP 1,956,583,647.77 289,000,907,333.76 0.68%
KEB HANA BANK - MANILA BRANCH 28,022,199.88 4,379,832,869.05 0.64%
BANGKOK BANK PUBLIC CO LTD 43,936,941.43 8,886,862,049.99 0.49%
CITIBANK, N.A. 869,608,224.33 208,343,456,580.02 0.42%
METROPOLITAN BANK & TCO 3,683,099,014.74 906,734,870,509.63 0.41%
ING BANK N.V. 101.44 13,330,920,303.94 0.00%
BANK OF AMERICA N.A. 0.00 5,105,428,250.53 0.00%
BDO PRIVATE BANK, INC. 0.00 13,311,764,213.86 0.00%
CATHAY UNITED BANK CO LTD - MANILA BRANCH 0.00 2,976,530,576.00 0.00%
DEUTSCHE BANK AG 0.00 24,686,741,993.32 0.00%
INDUSTRIAL BANK OF KOREA MANILA BRANCH 0.00 985,146,403.88 0.00%
ISLA BANK(A THRIFT BANK) INC 0.00 631,248,037.76 0.00%
JP MORGAN CHASE BANK NATIONAL ASSN. 0.00 22,141,724,796.68 0.00%
MEGA INT'L COMM'L BANK CO LTD 0.00 10,287,015,787.58 0.00%
MIZUHO BANK LTD - MANILA BRANCH 0.00 38,462,424,995.02 0.00%
SHINHAN BANK - MANILA BRANCH 0.00 1,297,369,748.00 0.00%
SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH 0.00 18,963,388,946.39 0.00%
THE BNK OF TOKYO-MITSUBISHI UFJ LTD 0.00 31,117,125,579.16 0.00%
FIRST COMMERCIAL BANK LTD MANILA BRANCH 0.00 0.00 NA
Grand Total 130,563,795,522.67 7,483,744,861,488.98 1.74%


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

  1. Philippine Star Development Bank, Inc. (58.31% of TLP)
  2. Northpoint Development Bank, Inc. (36.43% of TLP)
  3. Philippine Postal Savings Bank Inc. (35.40% of TLP)
  4. Malasiqui Progressive SLB, Inc. (33.11% of TLP)
  5. World Partners Bank (30.21% of TLP)
  6. Legazpi Savings Bank Inc. (30.09% of TLP)

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 8.92% of Stockholders Equity as of December 31, 2016.




Philippine Banking System
NPL as % of SE
December 31, 2016









NPL SE NPL/SE
Bank (In PHP) (In PHP) (In %)
PHIL POSTAL SAVINGS BANK INC 2,105,663,775.71 1,003,426,168.74 209.85%
WORLD PARTNERS BANK (A THRIFT BANK) 107,415,667.13 60,443,031.24 177.71%
LUZON DEVELOPMENT BANK 544,175,490.99 350,396,970.60 155.30%
EQUICOM SAVINGS BANK INC 601,715,967.86 652,349,264.94 92.24%
LEGAZPI SAVINGS BANK INC 447,417,498.87 497,881,105.80 89.86%
ENTERPRISE BANK INC (A THRIFT BANK) 232,694,561.97 273,953,562.02 84.94%
MARITIME SAVINGS BANK CORPORATION 24,652,054.39 37,146,334.12 66.36%
MALAYAN BANK SAVINGS AND MORT BANK INC 574,727,293.20 1,004,218,467.21 57.23%
PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS 955,755,336.48 1,915,584,496.80 49.89%
CHINA BANK SAVINGS INC 4,293,974,170.33 9,156,290,253.10 46.90%
PHILIPPINE VETERANS BANK 1,898,738,872.12 4,139,442,922.32 45.87%
BATAAN DEVELOPMENT BANK 31,340,481.42 77,178,559.44 40.61%
THE PALAWAN BANK (PALAWAN DB) INC 14,849,692.88 39,202,654.77 37.88%
STERLING BANK OF ASIA INC (A SAVINGS BANK) 936,700,031.78 2,495,553,616.49 37.53%
PAMPANGA DEVELOPMENT BANK 49,744,868.65 133,860,245.35 37.16%
NORTHPOINT DEV'T BANK INC 122,915,455.83 343,580,397.41 35.77%
RCBC SAVINGS BANK INC 3,715,336,441.78 10,404,065,960.55 35.71%
UCPB SAVINGS BANK 975,156,384.32 2,742,614,192.92 35.56%
BANK OF MAKATI (A SAVINGS BANK) INC 2,243,073,464.02 6,358,015,586.16 35.28%
UNITED COCONUT PLANTERS BANK 5,989,286,726.79 17,592,468,014.29 34.04%
METRO CEBU PUBLIC SAVINGS BANK 21,100,005.39 64,435,089.21 32.75%
PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) 146,519,151.74 457,096,842.49 32.05%
BPI DIRECT BANKO INC A SAVINGS BANK 547,319,743.95 1,791,106,416.26 30.56%
BPI FAMILY SAVINGS BANK INC 7,497,941,572.20 25,553,872,912.78 29.34%
DUNGGANON BANK (A MICROFINANCE THRIFT BANK) INC 28,178,352.90 106,910,119.62 26.36%
STANDARD CHARTERED BANK 2,123,003,347.70 8,629,977,138.18 24.60%
VILLAGE BANK INC (A THRIFT BANK) 20,037,722.29 81,902,520.23 24.47%
MALASIQUI PROGRESSIVE SLB, INC 12,713,229.25 52,140,796.94 24.38%
PHIL SAVINGS BANK 4,531,110,557.04 18,768,152,432.53 24.14%
EAST WEST BANKING CORP 8,227,387,109.25 34,222,509,373.79 24.04%
1ST VALLEY BANK INC A DEVELOPMENT BANK 346,548,011.68 1,442,686,809.84 24.02%
HIYAS BANKING CORPORATION 34,826,424.16 152,412,656.01 22.85%
PHIL BANK OF COMMUNICATIONS 2,259,014,990.06 10,241,013,449.75 22.06%
LIFE SAVINGS BANK INC 14,205,894.15 66,516,103.17 21.36%
PHIL STAR DEVELOPMENT BANK INC 19,238,385.28 93,400,200.78 20.60%
PRODUCERS SAVINGS BANK CORPORATION 311,505,684.33 1,585,786,138.30 19.64%
FARMERS SAVINGS & LOAN BANK INC 22,696,612.39 119,179,639.67 19.04%
WEALTH DEVELOPMENT BANK CORPORATION 240,199,722.90 1,311,900,631.99 18.31%
UNIVERSITY SAVINGS BANK INC 72,145,206.72 412,031,156.93 17.51%
MAYBANK PHILIPPINES INCORPORATED 2,036,189,716.30 11,719,746,835.36 17.37%
BUSINESS AND CONSUMERS BANK (A DB) 13,970,890.80 84,502,772.49 16.53%
CITYSTATE SAVINGS BANK INC 119,756,629.16 737,224,113.70 16.24%
FIRST CONSOLIDATED BANK INC (A PDB) 590,763,111.01 3,875,459,099.11 15.24%
CITY SAVINGS BANK INC 1,530,120,230.40 10,416,035,951.50 14.69%
PHILIPPINE BUSINESS BANK INC A SAVINGS BANK 1,322,295,019.15 9,727,579,253.15 13.59%
UNION BANK OF THE PHILS 7,778,178,634.93 62,333,297,322.59 12.48%
INTER-ASIA DEVELOPMENT BANK 7,566,983.61 62,495,742.15 12.11%
BANK OF COMMERCE 1,777,798,286.62 15,364,502,813.09 11.57%
YUANTA SAVINGS BANK PHILIPPINES INC 112,039,320.83 992,092,118.96 11.29%
DEVELOPMENT BANK OF THE PHIL 4,802,651,348.83 44,124,381,091.38 10.88%
CORDILLERA SAVINGS BANK INC 14,588,524.39 135,032,013.61 10.80%
OPTIMUM DEVELOPMENT BANK INC 90,959,273.89 851,577,817.81 10.68%
ANZ BANKING GROUP LTD 404,087,064.26 4,150,338,569.51 9.74%
PHIL NATIONAL BANK 8,771,559,273.58 101,836,861,242.86 8.61%
BANGKO KABAYAN INC (A PRIVATE DEVELOPMENT BANK) 39,444,210.03 460,453,624.72 8.57%
LAND BANK OF THE PHILIPPINES 7,173,190,275.55 85,380,060,082.56 8.40%
SUN SAVINGS BANK INC 15,103,167.59 183,535,477.61 8.23%
DUMAGUETE CITY DEV BANK INC 20,850,370.14 262,995,356.70 7.93%
BANK OF CHINA LIMITED-MANILA BRANCH 189,040,895.91 2,532,809,223.93 7.46%
BDO UNIBANK INC 15,854,555,894.59 216,327,723,797.18 7.33%
PNB SAVINGS BANK 829,192,484.27 11,498,657,172.27 7.21%
CARD SME BANK INC A THRIFT BANK 48,473,003.59 709,899,560.31 6.83%
CITIBANK, N.A. 869,608,224.33 12,835,851,416.84 6.77%
CTBC BANK (PHILIPPINES) CORP 460,786,467.63 6,904,788,639.67 6.67%
CHINA BANKING CORP 3,728,985,069.67 57,408,773,230.53 6.50%
ASIA UNITED BANK CORPORATION 1,475,266,303.18 23,274,345,137.40 6.34%
ROBINSONS BANK CORPORATION 691,088,663.30 11,896,303,900.32 5.81%
HONGKONG & SHANGHAI BANKING CORP 797,673,955.04 14,640,228,446.42 5.45%
PHIL TRUST COMPANY 1,172,897,983.43 23,045,761,182.07 5.09%
BANK OF THE PHIL ISLANDS 7,688,633,689.58 160,549,310,710.50 4.79%
BANK ONE SAVINGS AND TRUST CORP. 23,101,952.55 575,219,918.21 4.02%
LEMERY SAVINGS & LOAN BANK, INC. 2,987,856.52 79,181,809.28 3.77%
CENTURY SAVINGS BANK CORPORATION 34,734,041.96 971,015,155.84 3.58%
HSBC SAVINGS BANK(PHILS) INC 63,448,045.28 1,797,588,220.73 3.53%
QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK 22,071,051.75 658,121,861.20 3.35%
BATAAN SAVINGS AND LOAN BANK 1,808,578.20 58,266,576.10 3.10%
RIZAL COMM'L BANKING CORP 1,913,419,749.01 62,605,257,771.28 3.06%
MERCHANTS SAVINGS & LOAN ASSN INC 15,291,332.84 623,919,318.51 2.45%
AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS 6,509,512.97 298,726,619.97 2.18%
SECURITY BANK CORP 1,956,583,647.77 96,540,680,277.62 2.03%
METROPOLITAN BANK & TCO 3,683,099,014.74 187,399,541,656.32 1.97%
KEB HANA BANK - MANILA BRANCH 28,022,199.88 1,641,319,668.78 1.71%
BANGKOK BANK PUBLIC CO LTD 43,936,941.43 3,164,745,771.55 1.39%
QUEZON COCONUT BANK INC (A THRIFT BANK) 440,570.84 58,788,484.15 0.75%
ING BANK N.V. 101.44 2,462,697,042.68 0.00%
BANK OF AMERICA N.A. 0.00 2,091,322,952.20 0.00%
BDO PRIVATE BANK, INC. 0.00 5,143,261,112.34 0.00%
CATHAY UNITED BANK CO LTD - MANILA BRANCH 0.00 2,114,994,246.49 0.00%
DEUTSCHE BANK AG 0.00 3,115,188,633.13 0.00%
FIRST COMMERCIAL BANK LTD MANILA BRANCH 0.00 2,061,230,424.92 0.00%
INDUSTRIAL BANK OF KOREA MANILA BRANCH 0.00 2,198,377,005.93 0.00%
ISLA BANK(A THRIFT BANK) INC 0.00 664,937,840.86 0.00%
JP MORGAN CHASE BANK NATIONAL ASSN. 0.00 1,387,778,439.51 0.00%
MEGA INT'L COMM'L BANK CO LTD 0.00 1,841,609,590.34 0.00%
MIZUHO BANK LTD - MANILA BRANCH 0.00 5,512,514,270.26 0.00%
SHINHAN BANK - MANILA BRANCH 0.00 2,168,774,838.27 0.00%
SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH 0.00 12,851,999,724.51 0.00%
THE BNK OF TOKYO-MITSUBISHI UFJ LTD 0.00 4,679,489,410.20 0.00%
Grand Total 130,563,795,522.67 1,463,519,874,590.22 8.92%

Source: www.bsp.gov.ph


Of the 98 banks in this list, twenty-three banks have a Gross NPL to Stockholders Equity Ratio of 30% or more as of September 30, 2016.  These banks are as follows:

  1. Philippine Postal Savings Bank Inc (209.85% of SE)
  2. World Partners Bank (177.71% of SE)
  3. Luzon Development Bank (155.30% of SE)
  4. Equicom Savings Bank Inc. (92.24% of SE)
  5. Legazpi Savings Bank Inc (89.86% of SE)
  6. Enterprise Bank Inc (84.94% of SE)
  7. Maritime Savings Bank Corporation (66.36% of SE)
  8. Malayan Bank Savings and Mortgage Bank Inc (57.23% of SE)
  9. Philippine Resources Savings Banking Corporation (49.89% of SE)
  10. China Bank Savings Inc (46.90% of SE)
  11. Philippine Veterans Bank (45.87%of SE)
  12. Bataan Development Bank (40.61% of SE)
  13. The Palawan Bank (37.88% of SE)
  14. Sterling Bank of Asia Inc (37.53% of SE)
  15. Pampanga Development Bank (37.16% of SE)
  16. Bataan Development Bank (35.77% of SE)
  17. RCBC Savings Bank Inc (35.71% of SE)
  18. UCPB Savings Bank (35.56% of SE)
  19. Bank of Makati (35.28% of SE)
  20. United Coconut Planters Bank (34.04% of SE)
  21. Metro Cebu Public Savings Bank (32.75% of SE)
  22. Penbank Inc. (32.05% of SE)
  23. BPI Direct Banko Inc (30.56% 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 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 2.46% of their Total Loan Portfolio as of December 31, 2016.  Of the 98 banks, thirty-two banks reported having no DOSRI Loans.  Of the sixty-six banks with DOSRI Loans, nineteen banks had DOSRI Loans that made up less than 1% of their Total Loan Portfolios.  However, four banks had DOSRI Loans that comprised more than 15% of their Total Loan Portfolios.  They are as follows:
  1. Malasiqui Progressive SLB, Inc. (26.50% of TLP)
  2. Development Bank of the Philippines (19.20% of TLP)
  3. Queen City Development Bank (16.69% of TLP)
  4. Pampanga Development Bank (15.33% of TLP)

Philippine Banking System
DOSRI as % of TLP
December 31, 2016









DOSRI TLP DOSRI/TLP
Bank (In Php) (In PHP) (In %)
MALASIQUI PROGRESSIVE SLB, INC 10,174,711.60 38,394,486.67 26.50%
DEVELOPMENT BANK OF THE PHIL 46,252,598,405.06 240,900,072,320.91 19.20%
QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK 275,490,580.26 1,650,367,287.13 16.69%
PAMPANGA DEVELOPMENT BANK 49,721,616.08 324,391,213.88 15.33%
LAND BANK OF THE PHILIPPINES 67,139,410,593.56 519,368,974,881.10 12.93%
UNIVERSITY SAVINGS BANK INC 71,713,878.50 592,804,050.63 12.10%
INTER-ASIA DEVELOPMENT BANK 19,646,605.65 168,932,594.07 11.63%
DUMAGUETE CITY DEV BANK INC 55,397,114.51 570,425,058.39 9.71%
LIFE SAVINGS BANK INC 5,508,712.69 59,140,110.57 9.31%
HIYAS BANKING CORPORATION 17,814,176.75 204,019,193.14 8.73%
ROBINSONS BANK CORPORATION 2,183,716,911.45 38,547,492,875.47 5.67%
EAST WEST BANKING CORP 10,813,485,788.27 191,045,413,148.52 5.66%
CENTURY SAVINGS BANK CORPORATION 29,800,000.00 632,087,000.13 4.71%
VILLAGE BANK INC (A THRIFT BANK) 20,605,286.85 442,361,455.52 4.66%
BANK OF MAKATI (A SAVINGS BANK) INC 956,917,190.24 20,715,275,472.13 4.62%
PHIL NATIONAL BANK 9,545,904,519.69 379,676,469,282.60 2.51%
PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) 45,509,574.93 1,921,467,650.80 2.37%
PHIL TRUST COMPANY 1,335,000,000.00 56,873,365,906.05 2.35%
PHILIPPINE BUSINESS BANK INC A SAVINGS BANK 1,212,117,019.25 52,370,135,183.54 2.31%
CORDILLERA SAVINGS BANK INC 3,737,498.56 169,914,450.03 2.20%
LEMERY SAVINGS & LOAN BANK, INC. 2,239,180.09 103,872,835.45 2.16%
CHINA BANKING CORP 6,727,819,328.72 333,146,862,312.19 2.02%
QUEZON COCONUT BANK INC (A THRIFT BANK) 782,929.36 46,870,344.32 1.67%
BDO UNIBANK INC 23,176,926,298.77 1,500,173,632,609.98 1.54%
PHIL SAVINGS BANK 1,734,454,265.69 132,512,493,638.57 1.31%
PRODUCERS SAVINGS BANK CORPORATION 88,387,099.68 8,314,481,127.98 1.06%
THE PALAWAN BANK (PALAWAN DB) INC 2,366,686.02 235,896,420.26 1.00%
ENTERPRISE BANK INC (A THRIFT BANK) 13,545,547.25 1,577,950,947.00 0.86%
PHIL POSTAL SAVINGS BANK INC 49,354,309.13 5,947,675,685.70 0.83%
HSBC SAVINGS BANK(PHILS) INC 33,663,982.87 4,224,855,301.00 0.80%
BANK OF AMERICA N.A. 40,437,507.10 5,105,428,250.53 0.79%
CITYSTATE SAVINGS BANK INC 17,201,670.16 2,306,021,560.81 0.75%
BANK OF THE PHIL ISLANDS 6,186,593,775.69 839,031,405,085.46 0.74%
FARMERS SAVINGS & LOAN BANK INC 1,281,807.36 177,201,937.27 0.72%
STERLING BANK OF ASIA INC (A SAVINGS BANK) 150,055,134.31 23,676,183,135.95 0.63%
HONGKONG & SHANGHAI BANKING CORP 328,311,556.31 60,895,866,724.84 0.54%
SECURITY BANK CORP 1,053,564,414.39 289,000,907,333.76 0.36%
ANZ BANKING GROUP LTD 38,009,765.21 12,333,004,293.70 0.31%
UNITED COCONUT PLANTERS BANK 398,751,078.56 147,864,736,846.76 0.27%
UNION BANK OF THE PHILS 502,203,136.76 200,350,112,046.95 0.25%
METROPOLITAN BANK & TCO 2,269,597,072.72 906,734,870,509.63 0.25%
LUZON DEVELOPMENT BANK 7,349,758.78 3,090,678,372.15 0.24%
RIZAL COMM'L BANKING CORP 553,242,487.98 233,169,271,644.99 0.24%
CTBC BANK (PHILIPPINES) CORP 44,089,900.10 24,733,046,555.45 0.18%
ASIA UNITED BANK CORPORATION 171,475,967.46 100,542,920,804.14 0.17%
JP MORGAN CHASE BANK NATIONAL ASSN. 36,937,541.28 22,141,724,796.68 0.17%
BANGKO KABAYAN INC (A PRIVATE DEVELOPMENT BANK) 2,278,155.88 1,371,218,658.75 0.17%
ISLA BANK(A THRIFT BANK) INC 1,045,758.20 631,248,037.76 0.17%
PHILIPPINE VETERANS BANK 29,927,408.04 18,360,278,612.26 0.16%
FIRST CONSOLIDATED BANK INC (A PDB) 13,780,966.07 11,844,040,679.45 0.12%
CITY SAVINGS BANK INC 58,705,215.55 61,862,679,861.94 0.09%
YUANTA SAVINGS BANK PHILIPPINES INC 555,888.83 607,810,935.69 0.09%
MALAYAN BANK SAVINGS AND MORT BANK INC 2,794,614.75 4,166,624,565.76 0.07%
PNB SAVINGS BANK 14,295,386.08 31,280,745,023.62 0.05%
CITIBANK, N.A. 94,789,923.69 208,343,456,580.02 0.05%
PHIL BANK OF COMMUNICATIONS 16,291,278.80 41,705,821,743.45 0.04%
MAYBANK PHILIPPINES INCORPORATED 24,500,000.00 63,685,257,195.46 0.04%
UCPB SAVINGS BANK 4,334,375.28 14,229,854,931.30 0.03%
BPI FAMILY SAVINGS BANK INC 46,172,495.65 212,617,975,494.55 0.02%
LEGAZPI SAVINGS BANK INC 311,958.96 1,487,114,113.79 0.02%
CHINA BANK SAVINGS INC 8,633,182.54 59,319,114,218.04 0.01%
KEB HANA BANK - MANILA BRANCH 532,600.00 4,379,832,869.05 0.01%
MARITIME SAVINGS BANK CORPORATION 10,000.03 114,823,213.88 0.01%
BANK OF COMMERCE 3,826,247.34 63,682,661,294.83 0.01%
BPI DIRECT BANKO INC A SAVINGS BANK 349,677.08 9,730,025,412.83 0.00%
RCBC SAVINGS BANK INC 2,286,021.26 75,545,993,787.19 0.00%
1ST VALLEY BANK INC A DEVELOPMENT BANK 0.00 5,700,225,531.32 0.00%
AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS 0.00 361,188,766.22 0.00%
BANGKOK BANK PUBLIC CO LTD 0.00 8,886,862,049.99 0.00%
BANK OF CHINA LIMITED-MANILA BRANCH 0.00 14,803,919,494.79 0.00%
BANK ONE SAVINGS AND TRUST CORP. 0.00 1,052,337,068.78 0.00%
BATAAN DEVELOPMENT BANK 0.00 144,492,801.18 0.00%
BATAAN SAVINGS AND LOAN BANK 0.00 13,091,863.71 0.00%
BDO PRIVATE BANK, INC. 0.00 13,311,764,213.86 0.00%
BUSINESS AND CONSUMERS BANK (A DB) 0.00 149,623,891.46 0.00%
CARD SME BANK INC A THRIFT BANK 0.00 2,740,940,058.31 0.00%
CATHAY UNITED BANK CO LTD - MANILA BRANCH 0.00 2,976,530,576.00 0.00%
DEUTSCHE BANK AG 0.00 24,686,741,993.32 0.00%
DUNGGANON BANK (A MICROFINANCE THRIFT BANK) INC 0.00 119,455,414.52 0.00%
EQUICOM SAVINGS BANK INC 0.00 5,310,812,911.58 0.00%
INDUSTRIAL BANK OF KOREA MANILA BRANCH 0.00 985,146,403.88 0.00%
ING BANK N.V. 0.00 13,330,920,303.94 0.00%
MEGA INT'L COMM'L BANK CO LTD 0.00 10,287,015,787.58 0.00%
MERCHANTS SAVINGS & LOAN ASSN INC 0.00 702,306,744.45 0.00%
METRO CEBU PUBLIC SAVINGS BANK 0.00 111,831,958.78 0.00%
MIZUHO BANK LTD - MANILA BRANCH 0.00 38,462,424,995.02 0.00%
NORTHPOINT DEV'T BANK INC 0.00 337,420,000.14 0.00%
OPTIMUM DEVELOPMENT BANK INC 0.00 1,614,580,539.97 0.00%
PHIL STAR DEVELOPMENT BANK INC 0.00 32,992,244.19 0.00%
PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS 0.00 9,013,155,641.33 0.00%
SHINHAN BANK - MANILA BRANCH 0.00 1,297,369,748.00 0.00%
STANDARD CHARTERED BANK 0.00 23,436,795,607.01 0.00%
SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH 0.00 18,963,388,946.39 0.00%
SUN SAVINGS BANK INC 0.00 746,580,415.95 0.00%
THE BNK OF TOKYO-MITSUBISHI UFJ LTD 0.00 31,117,125,579.16 0.00%
WEALTH DEVELOPMENT BANK CORPORATION 0.00 5,347,962,119.19 0.00%
WORLD PARTNERS BANK (A THRIFT BANK) 0.00 355,580,295.26 0.00%
FIRST COMMERCIAL BANK LTD MANILA BRANCH 0.00 0.00 NA
Grand Total 183,998,333,539.68 7,485,076,635,937.70 2.46%


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 12.57% of Stockholders Equity as of December 31, 2016. One bank has DOSRI Loans that exceeds 80% of its capital: Development Bank of the Philippines (104.82% of SE).


Philippine Banking System
DOSRI as % of Stockholders Equity
December 31, 2016









DOSRI SE DOSRI/SE
Bank (In Php) (In PHP) (In %)
DEVELOPMENT BANK OF THE PHIL 46,252,598,405.06 44,124,381,091.38 104.82%
LAND BANK OF THE PHILIPPINES 67,139,410,593.56 85,380,060,082.56 78.64%
QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK 275,490,580.26 658,121,861.20 41.86%
PAMPANGA DEVELOPMENT BANK 49,721,616.08 133,860,245.35 37.14%
EAST WEST BANKING CORP 10,813,485,788.27 34,222,509,373.79 31.60%
INTER-ASIA DEVELOPMENT BANK 19,646,605.65 62,495,742.15 31.44%
VILLAGE BANK INC (A THRIFT BANK) 20,605,286.85 81,902,520.23 25.16%
DUMAGUETE CITY DEV BANK INC 55,397,114.51 262,995,356.70 21.06%
MALASIQUI PROGRESSIVE SLB, INC 10,174,711.60 52,140,796.94 19.51%
ROBINSONS BANK CORPORATION 2,183,716,911.45 11,896,303,900.32 18.36%
UNIVERSITY SAVINGS BANK INC 71,713,878.50 412,031,156.93 17.40%
BANK OF MAKATI (A SAVINGS BANK) INC 956,917,190.24 6,358,015,586.16 15.05%
PHILIPPINE BUSINESS BANK INC A SAVINGS BANK 1,212,117,019.25 9,727,579,253.15 12.46%
CHINA BANKING CORP 6,727,819,328.72 57,408,773,230.53 11.72%
HIYAS BANKING CORPORATION 17,814,176.75 152,412,656.01 11.69%
BDO UNIBANK INC 23,176,926,298.77 216,327,723,797.18 10.71%
PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) 45,509,574.93 457,096,842.49 9.96%
PHIL NATIONAL BANK 9,545,904,519.69 101,836,861,242.86 9.37%
PHIL SAVINGS BANK 1,734,454,265.69 18,768,152,432.53 9.24%
LIFE SAVINGS BANK INC 5,508,712.69 66,516,103.17 8.28%
THE PALAWAN BANK (PALAWAN DB) INC 2,366,686.02 39,202,654.77 6.04%
STERLING BANK OF ASIA INC (A SAVINGS BANK) 150,055,134.31 2,495,553,616.49 6.01%
PHIL TRUST COMPANY 1,335,000,000.00 23,045,761,182.07 5.79%
PRODUCERS SAVINGS BANK CORPORATION 88,387,099.68 1,585,786,138.30 5.57%
ENTERPRISE BANK INC (A THRIFT BANK) 13,545,547.25 273,953,562.02 4.94%
PHIL POSTAL SAVINGS BANK INC 49,354,309.13 1,003,426,168.74 4.92%
BANK OF THE PHIL ISLANDS 6,186,593,775.69 160,549,310,710.50 3.85%
CENTURY SAVINGS BANK CORPORATION 29,800,000.00 971,015,155.84 3.07%
LEMERY SAVINGS & LOAN BANK, INC. 2,239,180.09 79,181,809.28 2.83%
CORDILLERA SAVINGS BANK INC 3,737,498.56 135,032,013.61 2.77%
JP MORGAN CHASE BANK NATIONAL ASSN. 36,937,541.28 1,387,778,439.51 2.66%
CITYSTATE SAVINGS BANK INC 17,201,670.16 737,224,113.70 2.33%
UNITED COCONUT PLANTERS BANK 398,751,078.56 17,592,468,014.29 2.27%
HONGKONG & SHANGHAI BANKING CORP 328,311,556.31 14,640,228,446.42 2.24%
LUZON DEVELOPMENT BANK 7,349,758.78 350,396,970.60 2.10%
BANK OF AMERICA N.A. 40,437,507.10 2,091,322,952.20 1.93%
HSBC SAVINGS BANK(PHILS) INC 33,663,982.87 1,797,588,220.73 1.87%
QUEZON COCONUT BANK INC (A THRIFT BANK) 782,929.36 58,788,484.15 1.33%
METROPOLITAN BANK & TCO 2,269,597,072.72 187,399,541,656.32 1.21%
SECURITY BANK CORP 1,053,564,414.39 96,540,680,277.62 1.09%
FARMERS SAVINGS & LOAN BANK INC 1,281,807.36 119,179,639.67 1.08%
ANZ BANKING GROUP LTD 38,009,765.21 4,150,338,569.51 0.92%
RIZAL COMM'L BANKING CORP 553,242,487.98 62,605,257,771.28 0.88%
UNION BANK OF THE PHILS 502,203,136.76 62,333,297,322.59 0.81%
CITIBANK, N.A. 94,789,923.69 12,835,851,416.84 0.74%
ASIA UNITED BANK CORPORATION 171,475,967.46 23,274,345,137.40 0.74%
PHILIPPINE VETERANS BANK 29,927,408.04 4,139,442,922.32 0.72%
CTBC BANK (PHILIPPINES) CORP 44,089,900.10 6,904,788,639.67 0.64%
CITY SAVINGS BANK INC 58,705,215.55 10,416,035,951.50 0.56%
BANGKO KABAYAN INC (A PRIVATE DEVELOPMENT BANK) 2,278,155.88 460,453,624.72 0.49%
FIRST CONSOLIDATED BANK INC (A PDB) 13,780,966.07 3,875,459,099.11 0.36%
MALAYAN BANK SAVINGS AND MORT BANK INC 2,794,614.75 1,004,218,467.21 0.28%
MAYBANK PHILIPPINES INCORPORATED 24,500,000.00 11,719,746,835.36 0.21%
BPI FAMILY SAVINGS BANK INC 46,172,495.65 25,553,872,912.78 0.18%
PHIL BANK OF COMMUNICATIONS 16,291,278.80 10,241,013,449.75 0.16%
UCPB SAVINGS BANK 4,334,375.28 2,742,614,192.92 0.16%
ISLA BANK(A THRIFT BANK) INC 1,045,758.20 664,937,840.86 0.16%
PNB SAVINGS BANK 14,295,386.08 11,498,657,172.27 0.12%
CHINA BANK SAVINGS INC 8,633,182.54 9,156,290,253.10 0.09%
LEGAZPI SAVINGS BANK INC 311,958.96 497,881,105.80 0.06%
YUANTA SAVINGS BANK PHILIPPINES INC 555,888.83 992,092,118.96 0.06%
KEB HANA BANK - MANILA BRANCH 532,600.00 1,641,319,668.78 0.03%
MARITIME SAVINGS BANK CORPORATION 10,000.03 37,146,334.12 0.03%
BANK OF COMMERCE 3,826,247.34 15,364,502,813.09 0.02%
RCBC SAVINGS BANK INC 2,286,021.26 10,404,065,960.55 0.02%
BPI DIRECT BANKO INC A SAVINGS BANK 349,677.08 1,791,106,416.26 0.02%
1ST VALLEY BANK INC A DEVELOPMENT BANK 0.00 1,442,686,809.84 0.00%
AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS 0.00 298,726,619.97 0.00%
BANGKOK BANK PUBLIC CO LTD 0.00 3,164,745,771.55 0.00%
BANK OF CHINA LIMITED-MANILA BRANCH 0.00 2,532,809,223.93 0.00%
BANK ONE SAVINGS AND TRUST CORP. 0.00 575,219,918.21 0.00%
BATAAN DEVELOPMENT BANK 0.00 77,178,559.44 0.00%
BATAAN SAVINGS AND LOAN BANK 0.00 58,266,576.10 0.00%
BDO PRIVATE BANK, INC. 0.00 5,143,261,112.34 0.00%
BUSINESS AND CONSUMERS BANK (A DB) 0.00 84,502,772.49 0.00%
CARD SME BANK INC A THRIFT BANK 0.00 709,899,560.31 0.00%
CATHAY UNITED BANK CO LTD - MANILA BRANCH 0.00 2,114,994,246.49 0.00%
DEUTSCHE BANK AG 0.00 3,115,188,633.13 0.00%
DUNGGANON BANK (A MICROFINANCE THRIFT BANK) INC 0.00 106,910,119.62 0.00%
EQUICOM SAVINGS BANK INC 0.00 652,349,264.94 0.00%
FIRST COMMERCIAL BANK LTD MANILA BRANCH 0.00 2,061,230,424.92 0.00%
INDUSTRIAL BANK OF KOREA MANILA BRANCH 0.00 2,198,377,005.93 0.00%
ING BANK N.V. 0.00 2,462,697,042.68 0.00%
MEGA INT'L COMM'L BANK CO LTD 0.00 1,841,609,590.34 0.00%
MERCHANTS SAVINGS & LOAN ASSN INC 0.00 623,919,318.51 0.00%
METRO CEBU PUBLIC SAVINGS BANK 0.00 64,435,089.21 0.00%
MIZUHO BANK LTD - MANILA BRANCH 0.00 5,512,514,270.26 0.00%
NORTHPOINT DEV'T BANK INC 0.00 343,580,397.41 0.00%
OPTIMUM DEVELOPMENT BANK INC 0.00 851,577,817.81 0.00%
PHIL STAR DEVELOPMENT BANK INC 0.00 93,400,200.78 0.00%
PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS 0.00 1,915,584,496.80 0.00%
SHINHAN BANK - MANILA BRANCH 0.00 2,168,774,838.27 0.00%
STANDARD CHARTERED BANK 0.00 8,629,977,138.18 0.00%
SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH 0.00 12,851,999,724.51 0.00%
SUN SAVINGS BANK INC 0.00 183,535,477.61 0.00%
THE BNK OF TOKYO-MITSUBISHI UFJ LTD 0.00 4,679,489,410.20 0.00%
WEALTH DEVELOPMENT BANK CORPORATION 0.00 1,311,900,631.99 0.00%
WORLD PARTNERS BANK (A THRIFT BANK) 0.00 60,443,031.24 0.00%
Grand Total 183,998,333,539.68 1,463,519,874,590.22 12.57%


Banks often take pains to avoid DOSRI Loans from falling past due. Although bank policies often state that DOSRI Loans are made “substantially on the same terms as with other individuals and businesses of comparable risks".  (See Planters Development Bank Annual Report December 31, 2010). Loan underwriting standards should be tighter because a past due DOSRI loan reflects badly on the bank.    DOSRI Loans that fall past due are often:

  1. Written off as soon as possible;
  2. Refinanced or Restructured to become current (this requires Board of Directors Approval); or, are
  3. Technically reclassified as a general NPL (like if a loan to a former bank officer falls past due). 
As a result, Philippine Banks reported that Php 5.23 million, or 0.00% of its DOSRI Loans fell past due as of December 31, 2016.  Of the sixty-six banks with DOSRI Loans, thirty-six 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 December 31, 2016.



Philippine Banking System
DOSRI Past Due as % of DOSRI
December 31, 2016





DOSRI Past Due DOSRI DOSRI Past Due/DOSRI
Bank (In PHP) (In PHP) (In %)
LIFE SAVINGS BANK INC 799,315.74 5,508,712.69 14.51%
LEGAZPI SAVINGS BANK INC 28,655.89 311,958.96 9.19%
CHINA BANK SAVINGS INC 106,169.29 8,633,182.54 1.23%
CTBC BANK (PHILIPPINES) CORP 354,832.98 44,089,900.10 0.80%
PHIL BANK OF COMMUNICATIONS 82,861.43 16,291,278.80 0.51%
PNB SAVINGS BANK 69,871.69 14,295,386.08 0.49%
UNITED COCONUT PLANTERS BANK 1,123,290.07 398,751,078.56 0.28%
UCPB SAVINGS BANK 9,275.86 4,334,375.28 0.21%
RIZAL COMM'L BANKING CORP 268,307.40 553,242,487.98 0.05%
BANK OF THE PHIL ISLANDS 1,303,333.71 6,186,593,775.69 0.02%
PHIL NATIONAL BANK 496,932.37 9,545,904,519.69 0.01%
EAST WEST BANKING CORP 266,676.52 10,813,485,788.27 0.00%
BDO UNIBANK INC 314,093.14 23,176,926,298.77 0.00%
PHIL SAVINGS BANK 4,083.55 1,734,454,265.69 0.00%
CHINA BANKING CORP 1,100.81 6,727,819,328.72 0.00%
ANZ BANKING GROUP LTD 0.00 38,009,765.21 0.00%
ASIA UNITED BANK CORPORATION 0.00 171,475,967.46 0.00%
BANGKO KABAYAN INC (A PRIVATE DEVELOPMENT BANK) 0.00 2,278,155.88 0.00%
BANK OF AMERICA N.A. 0.00 40,437,507.10 0.00%
BANK OF COMMERCE 0.00 3,826,247.34 0.00%
BANK OF MAKATI (A SAVINGS BANK) INC 0.00 956,917,190.24 0.00%
BPI DIRECT BANKO INC A SAVINGS BANK 0.00 349,677.08 0.00%
BPI FAMILY SAVINGS BANK INC 0.00 46,172,495.65 0.00%
CENTURY SAVINGS BANK CORPORATION 0.00 29,800,000.00 0.00%
CITIBANK, N.A. 0.00 94,789,923.69 0.00%
CITY SAVINGS BANK INC 0.00 58,705,215.55 0.00%
CITYSTATE SAVINGS BANK INC 0.00 17,201,670.16 0.00%
CORDILLERA SAVINGS BANK INC 0.00 3,737,498.56 0.00%
DEVELOPMENT BANK OF THE PHIL 0.00 46,252,598,405.06 0.00%
DUMAGUETE CITY DEV BANK INC 0.00 55,397,114.51 0.00%
ENTERPRISE BANK INC (A THRIFT BANK) 0.00 13,545,547.25 0.00%
FARMERS SAVINGS & LOAN BANK INC 0.00 1,281,807.36 0.00%
FIRST CONSOLIDATED BANK INC (A PDB) 0.00 13,780,966.07 0.00%
HIYAS BANKING CORPORATION 0.00 17,814,176.75 0.00%
HONGKONG & SHANGHAI BANKING CORP 0.00 328,311,556.31 0.00%
HSBC SAVINGS BANK(PHILS) INC 0.00 33,663,982.87 0.00%
INTER-ASIA DEVELOPMENT BANK 0.00 19,646,605.65 0.00%
ISLA BANK(A THRIFT BANK) INC 0.00 1,045,758.20 0.00%
JP MORGAN CHASE BANK NATIONAL ASSN. 0.00 36,937,541.28 0.00%
KEB HANA BANK - MANILA BRANCH 0.00 532,600.00 0.00%
LAND BANK OF THE PHILIPPINES 0.00 67,139,410,593.56 0.00%
LEMERY SAVINGS & LOAN BANK, INC. 0.00 2,239,180.09 0.00%
LUZON DEVELOPMENT BANK 0.00 7,349,758.78 0.00%
MALASIQUI PROGRESSIVE SLB, INC 0.00 10,174,711.60 0.00%
MALAYAN BANK SAVINGS AND MORT BANK INC 0.00 2,794,614.75 0.00%
MARITIME SAVINGS BANK CORPORATION 0.00 10,000.03 0.00%
MAYBANK PHILIPPINES INCORPORATED 0.00 24,500,000.00 0.00%
METROPOLITAN BANK & TCO 0.00 2,269,597,072.72 0.00%
PAMPANGA DEVELOPMENT BANK 0.00 49,721,616.08 0.00%
PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) 0.00 45,509,574.93 0.00%
PHIL POSTAL SAVINGS BANK INC 0.00 49,354,309.13 0.00%
PHIL TRUST COMPANY 0.00 1,335,000,000.00 0.00%
PHILIPPINE BUSINESS BANK INC A SAVINGS BANK 0.00 1,212,117,019.25 0.00%
PHILIPPINE VETERANS BANK 0.00 29,927,408.04 0.00%
PRODUCERS SAVINGS BANK CORPORATION 0.00 88,387,099.68 0.00%
QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK 0.00 275,490,580.26 0.00%
QUEZON COCONUT BANK INC (A THRIFT BANK) 0.00 782,929.36 0.00%
RCBC SAVINGS BANK INC 0.00 2,286,021.26 0.00%
ROBINSONS BANK CORPORATION 0.00 2,183,716,911.45 0.00%
SECURITY BANK CORP 0.00 1,053,564,414.39 0.00%
STERLING BANK OF ASIA INC (A SAVINGS BANK) 0.00 150,055,134.31 0.00%
THE PALAWAN BANK (PALAWAN DB) INC 0.00 2,366,686.02 0.00%
UNION BANK OF THE PHILS 0.00 502,203,136.76 0.00%
UNIVERSITY SAVINGS BANK INC 0.00 71,713,878.50 0.00%
VILLAGE BANK INC (A THRIFT BANK) 0.00 20,605,286.85 0.00%
YUANTA SAVINGS BANK PHILIPPINES INC 0.00 555,888.83 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
FIRST COMMERCIAL BANK LTD MANILA BRANCH 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
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
PHIL STAR DEVELOPMENT BANK INC 0.00 0.00 NA
PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS 0.00 0.00 NA
SHINHAN BANK - MANILA BRANCH 0.00 0.00 NA
STANDARD CHARTERED BANK 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
WEALTH DEVELOPMENT BANK CORPORATION 0.00 0.00 NA
WORLD PARTNERS BANK (A THRIFT BANK) 0.00 0.00 NA
Grand Total 5,228,800.45 183,998,333,539.68 0.00%

Source: www.bsp.gov.ph



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