This blog post updates previous blog posts such as Philippine Postal Savings Bank Ranks First in Non-Performing Loans as % of Stockholder's Equity as of December 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 139.25 billion as of March 31, 2017 - approximately 1.85% of the Philippine Banking Industry's Total Loan Portfolio of Php 7.54 trillion.
| Philippine Banking System | |||
| NPL as % of TLP | |||
| March 31, 2017 | |||
| Gross NPL/ Gross TLP | |||
| Bank | Gross NPLs | Gross TLP | (In %) |
| MICROFINANCE MAXIMUM SB INC | 11,538,108.54 | 15,789,931.64 | 73.07% |
| PHIL STAR DEVELOPMENT BANK INC | 13,667,597.78 | 26,922,007.94 | 50.77% |
| PHIL POSTAL SAVINGS BANK INC | 2,526,517,914.79 | 5,952,990,857.03 | 42.44% |
| WORLD PARTNERS BANK (A THRIFT BANK) | 112,362,449.20 | 331,610,576.47 | 33.88% |
| LEGAZPI SAVINGS BANK INC | 445,995,447.33 | 1,375,147,797.08 | 32.43% |
| MALASIQUI PROGRESSIVE SLB, INC | 11,106,429.25 | 38,077,734.18 | 29.17% |
| NORTHPOINT DEV'T BANK INC | 99,959,947.40 | 397,327,582.49 | 25.16% |
| CENTURY SAVINGS BANK CORPORATION | 117,161,921.87 | 511,508,769.87 | 22.91% |
| MARITIME SAVINGS BANK CORPORATION | 24,499,153.86 | 109,497,336.40 | 22.37% |
| METRO CEBU PUBLIC SAVINGS BANK | 24,372,080.98 | 112,723,782.72 | 21.62% |
| LIFE SAVINGS BANK INC | 12,898,716.79 | 60,989,350.20 | 21.15% |
| LUZON DEVELOPMENT BANK | 620,878,345.67 | 3,050,468,366.53 | 20.35% |
| YUANTA SAVINGS BANK PHILIPPINES INC | 110,104,219.27 | 547,304,392.00 | 20.12% |
| BATAAN DEVELOPMENT BANK | 27,407,967.11 | 145,642,670.18 | 18.82% |
| HIYAS BANKING CORPORATION | 34,360,654.43 | 204,845,015.67 | 16.77% |
| PAMPANGA DEVELOPMENT BANK | 55,028,244.04 | 340,066,681.27 | 16.18% |
| ENTERPRISE BANK INC (A THRIFT BANK) | 252,043,502.46 | 1,595,578,063.82 | 15.80% |
| MALAYAN BANK SAVINGS AND MORT BANK INC | 565,547,649.98 | 3,889,720,830.40 | 14.54% |
| BATAAN SAVINGS AND LOAN BANK | 1,635,781.28 | 12,697,262.51 | 12.88% |
| EQUICOM SAVINGS BANK INC | 646,533,823.35 | 5,021,465,073.28 | 12.88% |
| FARMERS SAVINGS & LOAN BANK INC | 22,411,351.29 | 174,896,503.48 | 12.81% |
| PHILIPPINE VETERANS BANK | 1,875,995,021.68 | 15,728,250,984.71 | 11.93% |
| OPTIMUM DEVELOPMENT BANK INC | 174,457,924.11 | 1,482,188,151.81 | 11.77% |
| BANK OF MAKATI (A SAVINGS BANK) INC | 2,272,945,790.64 | 20,299,727,190.44 | 11.20% |
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS BANK) | 980,710,424.09 | 9,209,618,417.68 | 10.65% |
| BUSINESS AND CONSUMERS BANK (A DB) | 14,191,495.90 | 144,505,589.58 | 9.82% |
| CITYSTATE SAVINGS BANK INC | 221,868,254.68 | 2,329,661,781.57 | 9.52% |
| CORDILLERA SAVINGS BANK INC | 16,446,654.05 | 178,461,063.33 | 9.22% |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 168,397,257.81 | 1,892,335,961.92 | 8.90% |
| UCPB SAVINGS BANK | 1,254,581,397.45 | 14,326,146,194.67 | 8.76% |
| BPI DIRECT BANKO INC A SAVINGS BANK | 429,252,061.73 | 5,056,006,796.34 | 8.49% |
| UNIVERSITY SAVINGS BANK INC | 45,003,866.22 | 548,941,614.69 | 8.20% |
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 428,729,538.30 | 5,567,784,109.25 | 7.70% |
| LEMERY SAVINGS & LOAN BANK, INC. | 7,700,249.95 | 105,207,477.44 | 7.32% |
| CHINA BANK SAVINGS INC | 4,410,355,252.20 | 62,195,273,571.95 | 7.09% |
| THE PALAWAN BANK (PALAWAN DB) INC | 16,672,400.66 | 252,731,186.91 | 6.60% |
| STANDARD CHARTERED BANK | 2,124,976,632.70 | 32,749,454,237.36 | 6.49% |
| RCBC SAVINGS BANK INC | 4,431,477,476.10 | 74,478,345,026.33 | 5.95% |
| WEALTH DEVELOPMENT BANK CORPORATION | 292,932,364.95 | 5,420,119,923.32 | 5.40% |
| PHIL BANK OF COMMUNICATIONS | 2,279,691,946.18 | 42,941,852,188.24 | 5.31% |
| PRODUCERS SAVINGS BANK CORPORATION | 386,138,239.27 | 7,734,811,170.35 | 4.99% |
| FIRST CONSOLIDATED BANK INC (A PDB) | 525,049,637.72 | 11,066,132,150.09 | 4.74% |
| UNITED COCONUT PLANTERS BANK | 6,385,518,030.66 | 137,433,358,525.34 | 4.65% |
| VILLAGE BANK INC (A THRIFT BANK) | 19,616,446.39 | 442,314,584.09 | 4.43% |
| EAST WEST BANKING CORP | 8,291,599,642.55 | 192,179,528,731.62 | 4.31% |
| UNION BANK OF THE PHILS | 7,993,445,459.90 | 194,584,015,704.60 | 4.11% |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 942,498,137.44 | 24,866,955,539.75 | 3.79% |
| BPI FAMILY SAVINGS BANK INC | 7,729,608,998.38 | 214,342,598,121.29 | 3.61% |
| PHIL SAVINGS BANK | 4,666,176,343.64 | 135,120,278,090.58 | 3.45% |
| DUMAGUETE CITY DEV BANK INC | 17,886,472.35 | 523,323,608.83 | 3.42% |
| PNB SAVINGS BANK | 1,015,744,779.07 | 32,594,056,218.51 | 3.12% |
| SUN SAVINGS BANK INC | 18,959,809.67 | 632,510,494.61 | 3.00% |
| ASIA UNITED BANK CORPORATION | 2,937,364,441.27 | 101,281,084,697.97 | 2.90% |
| BANK OF COMMERCE | 1,799,079,182.21 | 62,176,905,315.23 | 2.89% |
| BANGKO KABAYAN INC (A PRIVATE DEVELOPMENT BANK) | 36,229,903.75 | 1,358,113,428.10 | 2.67% |
| INTER-ASIA DEVELOPMENT BANK | 4,613,153.85 | 177,450,355.22 | 2.60% |
| CITY SAVINGS BANK INC | 1,760,688,973.83 | 67,990,770,288.46 | 2.59% |
| MAYBANK PHILIPPINES INCORPORATED | 1,661,195,995.76 | 66,720,488,899.94 | 2.49% |
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 1,387,192,466.80 | 56,492,794,577.93 | 2.46% |
| PHIL TRUST COMPANY | 1,138,050,603.05 | 46,936,988,541.09 | 2.42% |
| PHIL NATIONAL BANK | 9,094,274,085.32 | 384,394,857,214.06 | 2.37% |
| DEVELOPMENT BANK OF THE PHIL | 5,464,419,478.74 | 232,096,886,468.94 | 2.35% |
| MERCHANTS SAVINGS & LOAN ASSN INC | 17,112,936.55 | 738,696,466.12 | 2.32% |
| BANK ONE SAVINGS AND TRUST CORP. | 23,096,226.26 | 1,036,033,421.44 | 2.23% |
| CARD SME BANK INC A THRIFT BANK | 55,309,326.70 | 2,677,386,929.57 | 2.07% |
| ROBINSONS BANK CORPORATION | 683,406,976.50 | 39,848,707,667.63 | 1.72% |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 26,305,413.66 | 1,658,852,722.86 | 1.59% |
| ANZ BANKING GROUP LTD | 404,087,064.26 | 25,930,560,180.40 | 1.56% |
| LAND BANK OF THE PHILIPPINES | 8,258,481,213.76 | 539,797,305,223.28 | 1.53% |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 5,387,619.28 | 389,794,595.89 | 1.38% |
| CTBC BANK (PHILIPPINES) CORP | 357,499,065.12 | 26,184,578,428.10 | 1.37% |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 764,046.72 | 56,483,915.90 | 1.35% |
| BANK OF CHINA LIMITED-MANILA BRANCH | 188,969,213.72 | 15,980,027,362.50 | 1.18% |
| HONGKONG & SHANGHAI BANKING CORP | 746,769,210.95 | 64,103,366,885.02 | 1.16% |
| CHINA BANKING CORP | 3,614,348,811.57 | 321,093,535,439.61 | 1.13% |
| RIZAL COMM'L BANKING CORP | 2,570,930,099.09 | 235,547,958,490.68 | 1.09% |
| BDO UNIBANK INC | 16,529,874,745.48 | 1,515,526,852,845.28 | 1.09% |
| BANK OF THE PHIL ISLANDS | 8,425,699,430.98 | 825,677,042,965.19 | 1.02% |
| SECURITY BANK CORP | 2,209,369,283.42 | 304,894,419,011.73 | 0.72% |
| KEB HANA BANK - MANILA BRANCH | 28,066,201.64 | 4,545,236,742.99 | 0.62% |
| CITIBANK, N.A. | 850,812,713.59 | 192,932,389,729.81 | 0.44% |
| BANGKOK BANK PUBLIC CO LTD | 37,877,890.77 | 8,823,692,689.91 | 0.43% |
| METROPOLITAN BANK & TCO | 3,755,149,756.43 | 929,386,375,489.53 | 0.40% |
| ING BANK N.V. | 102.32 | 14,590,109,545.69 | 0.00% |
| BANK OF AMERICA N.A. | 0.00 | 3,873,567,874.87 | 0.00% |
| BDO PRIVATE BANK, INC. | 0.00 | 11,175,949,229.30 | 0.00% |
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | 0.00 | 1,376,169,736.00 | 0.00% |
| DEUTSCHE BANK AG | 0.00 | 30,069,031,538.27 | 0.00% |
| FIRST COMMERCIAL BANK LTD MANILA BRANCH | 0.00 | 13,000,000.00 | 0.00% |
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | 0.00 | 1,281,070,741.84 | 0.00% |
| ISLA BANK(A THRIFT BANK) INC | 0.00 | 670,433,046.60 | 0.00% |
| JP MORGAN CHASE BANK NATIONAL ASSN. | 0.00 | 22,871,361,751.62 | 0.00% |
| MEGA INT'L COMM'L BANK CO LTD | 0.00 | 10,494,533,264.19 | 0.00% |
| MIZUHO BANK LTD - MANILA BRANCH | 0.00 | 43,859,245,146.42 | 0.00% |
| SHINHAN BANK - MANILA BRANCH | 0.00 | 1,210,302,000.00 | 0.00% |
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | 0.00 | 14,185,200,726.43 | 0.00% |
| THE BNK OF TOKYO-MITSUBISHI UFJ LTD | 0.00 | 35,211,664,550.48 | 0.00% |
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | 0.00 | 1,032,555,520.00 | 0.00% |
| Grand Total | 139,247,084,946.46 | 7,538,711,596,654.45 | 1.85% |
There are seven Philippine Banks with a Gross NPL Ratio greater than 25.16% of Total Loan Portfolio (TLP). These are as follows:
- Microfinance Maximum Savings Bank (73.04% of TLP)
- Philippine Star Development Bank, Inc. (50.77% of TLP)
- Philippine Postal Savings Bank Inc. (42.44% of TLP)
- World Partners Bank (33.88% of TLP)
- Legazpi Savings Bank Inc. (32.43% of TLP)
- Malasiqui Progressive SLB, Inc. (29.17% of TLP)
- Northpoint Development Bank, Inc. (25.16% 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 8.97% of Stockholders Equity as of March 31, 2017.
| Philippine Banking System | |||
| NPL as % of SE | |||
| March 31, 2017 | |||
| NPL | SE | NPL/SE | |
| Bank | (In PHP) | (In PHP) | (In %) |
| PHIL POSTAL SAVINGS BANK INC | 2,526,517,915 | 954,200,833 | 264.78% |
| WORLD PARTNERS BANK (A THRIFT BANK) | 112,362,449 | 42,964,068 | 261.53% |
| LUZON DEVELOPMENT BANK | 620,878,346 | 345,425,449 | 179.74% |
| ENTERPRISE BANK INC (A THRIFT BANK) | 252,043,502 | 277,185,285 | 90.93% |
| EQUICOM SAVINGS BANK INC | 646,533,823 | 742,357,199 | 87.09% |
| LEGAZPI SAVINGS BANK INC | 445,995,447 | 518,168,423 | 86.07% |
| MARITIME SAVINGS BANK CORPORATION | 24,499,154 | 36,899,584 | 66.39% |
| MALAYAN BANK SAVINGS AND MORT BANK INC | 565,547,650 | 1,021,229,750 | 55.38% |
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS BANK) | 980,710,424 | 1,922,167,224 | 51.02% |
| CHINA BANK SAVINGS INC | 4,410,355,252 | 9,163,202,512 | 48.13% |
| PHILIPPINE VETERANS BANK | 1,875,995,022 | 4,046,296,276 | 46.36% |
| UCPB SAVINGS BANK | 1,254,581,397 | 2,819,058,998 | 44.50% |
| THE PALAWAN BANK (PALAWAN DB) INC | 16,672,401 | 39,837,931 | 41.85% |
| RCBC SAVINGS BANK INC | 4,431,477,476 | 10,695,425,583 | 41.43% |
| PAMPANGA DEVELOPMENT BANK | 55,028,244 | 135,300,586 | 40.67% |
| METRO CEBU PUBLIC SAVINGS BANK | 24,372,081 | 61,356,496 | 39.72% |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 942,498,137 | 2,562,739,122 | 36.78% |
| UNITED COCONUT PLANTERS BANK | 6,385,518,031 | 17,451,124,245 | 36.59% |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 168,397,258 | 462,780,457 | 36.39% |
| BATAAN DEVELOPMENT BANK | 27,407,967 | 77,568,284 | 35.33% |
| BANK OF MAKATI (A SAVINGS BANK) INC | 2,272,945,791 | 6,556,445,020 | 34.67% |
| CITYSTATE SAVINGS BANK INC | 221,868,255 | 692,872,699 | 32.02% |
| STANDARD CHARTERED BANK | 2,124,976,633 | 6,667,508,846 | 31.87% |
| NORTHPOINT DEV'T BANK INC | 99,959,947 | 344,690,780 | 29.00% |
| BPI FAMILY SAVINGS BANK INC | 7,729,608,998 | 26,770,809,994 | 28.87% |
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 428,729,538 | 1,488,039,795 | 28.81% |
| PHIL SAVINGS BANK | 4,666,176,344 | 19,291,936,376 | 24.19% |
| BPI DIRECT BANKO INC A SAVINGS BANK | 429,252,062 | 1,808,195,890 | 23.74% |
| PRODUCERS SAVINGS BANK CORPORATION | 386,138,239 | 1,644,599,364 | 23.48% |
| EAST WEST BANKING CORP | 8,291,599,643 | 35,333,154,415 | 23.47% |
| VILLAGE BANK INC (A THRIFT BANK) | 19,616,446 | 84,544,831 | 23.20% |
| PHIL BANK OF COMMUNICATIONS | 2,279,691,946 | 10,278,350,767 | 22.18% |
| MALASIQUI PROGRESSIVE SLB, INC | 11,106,429 | 52,213,426 | 21.27% |
| HIYAS BANKING CORPORATION | 34,360,654 | 162,196,397 | 21.18% |
| WEALTH DEVELOPMENT BANK CORPORATION | 292,932,365 | 1,428,158,118 | 20.51% |
| OPTIMUM DEVELOPMENT BANK INC | 174,457,924 | 862,100,904 | 20.24% |
| LIFE SAVINGS BANK INC | 12,898,717 | 66,685,538 | 19.34% |
| FARMERS SAVINGS & LOAN BANK INC | 22,411,351 | 123,861,509 | 18.09% |
| BUSINESS AND CONSUMERS BANK (A DB) | 14,191,496 | 87,093,685 | 16.29% |
| CITY SAVINGS BANK INC | 1,760,688,974 | 11,258,212,430 | 15.64% |
| PHIL STAR DEVELOPMENT BANK INC | 13,667,598 | 95,600,563 | 14.30% |
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 1,387,192,467 | 9,865,174,936 | 14.06% |
| MAYBANK PHILIPPINES INCORPORATED | 1,661,195,996 | 11,942,769,431 | 13.91% |
| FIRST CONSOLIDATED BANK INC (A PDB) | 525,049,638 | 3,921,398,077 | 13.39% |
| UNION BANK OF THE PHILS | 7,993,445,460 | 62,091,195,753 | 12.87% |
| ASIA UNITED BANK CORPORATION | 2,937,364,441 | 24,339,526,210 | 12.07% |
| CENTURY SAVINGS BANK CORPORATION | 117,161,922 | 977,594,203 | 11.98% |
| CORDILLERA SAVINGS BANK INC | 16,446,654 | 137,922,232 | 11.92% |
| DEVELOPMENT BANK OF THE PHIL | 5,464,419,479 | 45,934,092,719 | 11.90% |
| BANK OF COMMERCE | 1,799,079,182 | 15,153,876,740 | 11.87% |
| YUANTA SAVINGS BANK PHILIPPINES INC | 110,104,219 | 984,463,917 | 11.18% |
| UNIVERSITY SAVINGS BANK INC | 45,003,866 | 413,430,546 | 10.89% |
| SUN SAVINGS BANK INC | 18,959,810 | 186,900,409 | 10.14% |
| ANZ BANKING GROUP LTD | 404,087,064 | 4,104,226,807 | 9.85% |
| LEMERY SAVINGS & LOAN BANK, INC. | 7,700,250 | 78,452,926 | 9.82% |
| LAND BANK OF THE PHILIPPINES | 8,258,481,214 | 88,633,984,423 | 9.32% |
| PHIL NATIONAL BANK | 9,094,274,085 | 102,462,349,335 | 8.88% |
| PNB SAVINGS BANK | 1,015,744,779 | 11,591,387,230 | 8.76% |
| BANGKO KABAYAN INC (A PRIVATE DEVELOPMENT BANK) | 36,229,904 | 450,501,970 | 8.04% |
| BANK OF CHINA LIMITED-MANILA BRANCH | 188,969,214 | 2,441,975,319 | 7.74% |
| CARD SME BANK INC A THRIFT BANK | 55,309,327 | 730,971,718 | 7.57% |
| INTER-ASIA DEVELOPMENT BANK | 4,613,154 | 63,960,231 | 7.21% |
| DUMAGUETE CITY DEV BANK INC | 17,886,472 | 262,559,614 | 6.81% |
| CHINA BANKING CORP | 3,614,348,812 | 59,031,464,070 | 6.12% |
| CITIBANK, N.A. | 850,812,714 | 14,095,242,099 | 6.04% |
| BDO UNIBANK INC | 16,529,874,745 | 281,630,888,489 | 5.87% |
| ROBINSONS BANK CORPORATION | 683,406,977 | 12,115,260,787 | 5.64% |
| HONGKONG & SHANGHAI BANKING CORP | 746,769,211 | 13,344,344,651 | 5.60% |
| CTBC BANK (PHILIPPINES) CORP | 357,499,065 | 6,943,609,350 | 5.15% |
| BANK OF THE PHIL ISLANDS | 8,425,699,431 | 167,104,837,324 | 5.04% |
| PHIL TRUST COMPANY | 1,138,050,603 | 24,035,572,042 | 4.73% |
| RIZAL COMM'L BANKING CORP | 2,570,930,099 | 63,296,711,382 | 4.06% |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 26,305,414 | 654,099,419 | 4.02% |
| BANK ONE SAVINGS AND TRUST CORP. | 23,096,226 | 580,064,634 | 3.98% |
| BATAAN SAVINGS AND LOAN BANK | 1,635,781 | 57,924,600 | 2.82% |
| MERCHANTS SAVINGS & LOAN ASSN INC | 17,112,937 | 622,416,521 | 2.75% |
| SECURITY BANK CORP | 2,209,369,283 | 98,491,544,960 | 2.24% |
| METROPOLITAN BANK & TCO | 3,755,149,756 | 189,844,343,707 | 1.98% |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 5,387,619 | 286,499,779 | 1.88% |
| KEB HANA BANK - MANILA BRANCH | 28,066,202 | 1,587,936,331 | 1.77% |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 764,047 | 59,014,544 | 1.29% |
| BANGKOK BANK PUBLIC CO LTD | 37,877,891 | 3,098,933,163 | 1.22% |
| ING BANK N.V. | 102 | 2,502,824,099 | 0.00% |
| BANK OF AMERICA N.A. | 0 | 2,096,035,697 | 0.00% |
| BDO PRIVATE BANK, INC. | 0 | 5,410,232,810 | 0.00% |
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | 0 | 2,130,401,781 | 0.00% |
| DEUTSCHE BANK AG | 0 | 2,257,001,852 | 0.00% |
| FIRST COMMERCIAL BANK LTD MANILA BRANCH | 0 | 2,031,188,854 | 0.00% |
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | 0 | 2,222,941,067 | 0.00% |
| ISLA BANK(A THRIFT BANK) INC | 0 | 667,526,085 | 0.00% |
| JP MORGAN CHASE BANK NATIONAL ASSN. | 0 | 1,318,053,766 | 0.00% |
| MEGA INT'L COMM'L BANK CO LTD | 0 | 1,861,262,054 | 0.00% |
| MIZUHO BANK LTD - MANILA BRANCH | 0 | 5,574,888,253 | 0.00% |
| SHINHAN BANK - MANILA BRANCH | 0 | 2,201,303,657 | 0.00% |
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | 0 | 13,001,887,788 | 0.00% |
| THE BNK OF TOKYO-MITSUBISHI UFJ LTD | 0 | 4,580,114,852 | 0.00% |
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | 0 | 2,412,646,569 | 0.00% |
| MICROFINANCE MAXIMUM SB INC | 11,538,109 | -10,270,100 | -112.35% |
| Grand Total | 139,247,084,946 | 1,552,380,021,338 | 8.97% |
Of the 98 banks in this list, twenty-three banks have a Gross NPL to Stockholders Equity Ratio of 30% or more as of March 31, 2017. These banks are as follows:
- Philippine Postal Savings Bank Inc (264.78% of SE)
- World Partners Bank (261.53% of SE)
- Luzon Development Bank (179.74% of SE)
- Enterprise Bank Inc (90.93% of SE)
- Equicom Savings Bank Inc. (87.09% of SE)
- Legazpi Savings Bank Inc (86.07% of SE)
- Maritime Savings Bank Corporation (66.39% of SE)
- Malayan Bank Savings and Mortgage Bank Inc (55.38% of SE)
- Philippine Resources Savings Banking Corporation (51.02% of SE)
- China Bank Savings Inc (48.13% of SE)
- Philippine Veterans Bank (46.36%of SE)
- UCPB Savings Bank (44.50% of SE)
- The Palawan Bank (41.85% of SE)
- RCBC Savings Bank Inc (41.43% of SE)
- Pampanga Development Bank (40.67% of SE)
- Metro Cebu Public Savings Bank (39.72% of SE)
- Sterling Bank of Asia Inc (36.78% of SE)
- United Coconut Planters Bank (36.59% of SE)
- Penbank Inc. (36.39% of SE)
- Bataan Development Bank (35.33% of SE)
- Bank of Makati (34.67% of SE)
- CityState Savings Bank (32.02% of SE)
- Standard Chartered Bank (31.87% of SE)
- Bataan Development Bank (35.77% of SE)
On an overall basis, the DOSRI Loans of Philippine Banks amounted to only 2.39% of their Total Loan Portfolio as of March 31, 2017. Of the 98 banks, thirty-one banks reported having no DOSRI Loans. Of the sixty-seven 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:
- Malasiqui Progressive SLB, Inc. (26.91% of TLP)
- Development Bank of the Philippines (19.50% of TLP)
- Queen City Development Bank (16.49% of TLP)
| Philippine Banking System | |||
| DOSRI as % of TLP | |||
| March 31, 2017 | |||
| DOSRI | TLP | DOSRI/TLP | |
| Bank | (In Php) | (In PHP) | (In %) |
| MALASIQUI PROGRESSIVE SLB, INC | 10,245,912 | 38,077,734 | 26.91% |
| DEVELOPMENT BANK OF THE PHIL | 45,257,816,989 | 232,096,886,469 | 19.50% |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 273,539,175 | 1,658,852,723 | 16.49% |
| PAMPANGA DEVELOPMENT BANK | 48,659,060 | 340,066,681 | 14.31% |
| UNIVERSITY SAVINGS BANK INC | 71,048,934 | 548,941,615 | 12.94% |
| LIFE SAVINGS BANK INC | 7,436,523 | 60,989,350 | 12.19% |
| LAND BANK OF THE PHILIPPINES | 65,298,283,473 | 539,797,305,223 | 12.10% |
| DUMAGUETE CITY DEV BANK INC | 55,507,885 | 523,323,609 | 10.61% |
| HIYAS BANKING CORPORATION | 16,606,310 | 204,845,016 | 8.11% |
| INTER-ASIA DEVELOPMENT BANK | 10,436,389 | 177,450,355 | 5.88% |
| EAST WEST BANKING CORP | 11,138,403,344 | 192,179,528,732 | 5.80% |
| CENTURY SAVINGS BANK CORPORATION | 27,013,792 | 511,508,770 | 5.28% |
| VILLAGE BANK INC (A THRIFT BANK) | 21,545,100 | 442,314,584 | 4.87% |
| PHIL TRUST COMPANY | 2,138,000,000 | 46,936,988,541 | 4.56% |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 83,944,968 | 1,892,335,962 | 4.44% |
| BANK OF MAKATI (A SAVINGS BANK) INC | 864,705,059 | 20,299,727,190 | 4.26% |
| CHINA BANKING CORP | 8,841,728,940 | 321,093,535,440 | 2.75% |
| PHIL NATIONAL BANK | 9,705,423,751 | 384,394,857,214 | 2.52% |
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 1,209,020,164 | 56,492,794,578 | 2.14% |
| LEMERY SAVINGS & LOAN BANK, INC. | 2,103,818 | 105,207,477 | 2.00% |
| CORDILLERA SAVINGS BANK INC | 3,524,419 | 178,461,063 | 1.97% |
| ROBINSONS BANK CORPORATION | 785,300,481 | 39,848,707,668 | 1.97% |
| PHIL SAVINGS BANK | 1,772,691,145 | 135,120,278,091 | 1.31% |
| BDO UNIBANK INC | 19,018,682,797 | 1,515,526,852,845 | 1.25% |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 675,054 | 56,483,916 | 1.20% |
| PRODUCERS SAVINGS BANK CORPORATION | 86,726,734 | 7,734,811,170 | 1.12% |
| BANK OF AMERICA N.A. | 40,359,368 | 3,873,567,875 | 1.04% |
| BANK OF THE PHIL ISLANDS | 7,553,613,521 | 825,677,042,965 | 0.91% |
| THE PALAWAN BANK (PALAWAN DB) INC | 2,192,447 | 252,731,187 | 0.87% |
| ENTERPRISE BANK INC (A THRIFT BANK) | 13,257,996 | 1,595,578,064 | 0.83% |
| CITYSTATE SAVINGS BANK INC | 17,031,223 | 2,329,661,782 | 0.73% |
| PHIL POSTAL SAVINGS BANK INC | 39,378,590 | 5,952,990,857 | 0.66% |
| FARMERS SAVINGS & LOAN BANK INC | 1,099,986 | 174,896,503 | 0.63% |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 151,079,216 | 24,866,955,540 | 0.61% |
| HONGKONG & SHANGHAI BANKING CORP | 313,984,231 | 64,103,366,885 | 0.49% |
| SECURITY BANK CORP | 1,102,150,439 | 304,894,419,012 | 0.36% |
| ASIA UNITED BANK CORPORATION | 280,598,184 | 101,281,084,698 | 0.28% |
| UNION BANK OF THE PHILS | 484,998,803 | 194,584,015,705 | 0.25% |
| RIZAL COMM'L BANKING CORP | 529,214,492 | 235,547,958,491 | 0.22% |
| LUZON DEVELOPMENT BANK | 6,421,460 | 3,050,468,367 | 0.21% |
| METROPOLITAN BANK & TCO | 1,928,839,867 | 929,386,375,490 | 0.21% |
| MARITIME SAVINGS BANK CORPORATION | 220,000 | 109,497,336 | 0.20% |
| PHILIPPINE VETERANS BANK | 28,782,299 | 15,728,250,985 | 0.18% |
| UNITED COCONUT PLANTERS BANK | 243,300,545 | 137,433,358,525 | 0.18% |
| WEALTH DEVELOPMENT BANK CORPORATION | 9,273,669 | 5,420,119,923 | 0.17% |
| BANGKO KABAYAN INC (A PRIVATE DEVELOPMENT BANK) | 2,146,975 | 1,358,113,428 | 0.16% |
| JP MORGAN CHASE BANK NATIONAL ASSN. | 35,671,980 | 22,871,361,752 | 0.16% |
| ISLA BANK(A THRIFT BANK) INC | 1,004,151 | 670,433,047 | 0.15% |
| CTBC BANK (PHILIPPINES) CORP | 36,793,351 | 26,184,578,428 | 0.14% |
| ANZ BANKING GROUP LTD | 34,413,523 | 25,930,560,180 | 0.13% |
| FIRST CONSOLIDATED BANK INC (A PDB) | 13,315,292 | 11,066,132,150 | 0.12% |
| YUANTA SAVINGS BANK PHILIPPINES INC | 538,549 | 547,304,392 | 0.10% |
| CITY SAVINGS BANK INC | 56,465,654 | 67,990,770,288 | 0.08% |
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 3,425,796 | 5,567,784,109 | 0.06% |
| PNB SAVINGS BANK | 18,822,928 | 32,594,056,219 | 0.06% |
| MALAYAN BANK SAVINGS AND MORT BANK INC | 2,208,961 | 3,889,720,830 | 0.06% |
| CITIBANK, N.A. | 93,900,504 | 192,932,389,730 | 0.05% |
| MAYBANK PHILIPPINES INCORPORATED | 24,500,000 | 66,720,488,900 | 0.04% |
| PHIL BANK OF COMMUNICATIONS | 15,284,113 | 42,941,852,188 | 0.04% |
| UCPB SAVINGS BANK | 4,336,764 | 14,326,146,195 | 0.03% |
| LEGAZPI SAVINGS BANK INC | 332,152 | 1,375,147,797 | 0.02% |
| BPI FAMILY SAVINGS BANK INC | 42,619,269 | 214,342,598,121 | 0.02% |
| CHINA BANK SAVINGS INC | 8,677,477 | 62,195,273,572 | 0.01% |
| KEB HANA BANK - MANILA BRANCH | 477,600 | 4,545,236,743 | 0.01% |
| BANK OF COMMERCE | 3,528,976 | 62,176,905,315 | 0.01% |
| BPI DIRECT BANKO INC A SAVINGS BANK | 280,547 | 5,056,006,796 | 0.01% |
| RCBC SAVINGS BANK INC | 2,180,356 | 74,478,345,026 | 0.00% |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 0 | 389,794,596 | 0.00% |
| BANGKOK BANK PUBLIC CO LTD | 0 | 8,823,692,690 | 0.00% |
| BANK OF CHINA LIMITED-MANILA BRANCH | 0 | 15,980,027,363 | 0.00% |
| BANK ONE SAVINGS AND TRUST CORP. | 0 | 1,036,033,421 | 0.00% |
| BATAAN DEVELOPMENT BANK | 0 | 145,642,670 | 0.00% |
| BATAAN SAVINGS AND LOAN BANK | 0 | 12,697,263 | 0.00% |
| BDO PRIVATE BANK, INC. | 0 | 11,175,949,229 | 0.00% |
| BUSINESS AND CONSUMERS BANK (A DB) | 0 | 144,505,590 | 0.00% |
| CARD SME BANK INC A THRIFT BANK | 0 | 2,677,386,930 | 0.00% |
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | 0 | 1,376,169,736 | 0.00% |
| DEUTSCHE BANK AG | 0 | 30,069,031,538 | 0.00% |
| EQUICOM SAVINGS BANK INC | 0 | 5,021,465,073 | 0.00% |
| FIRST COMMERCIAL BANK LTD MANILA BRANCH | 0 | 13,000,000 | 0.00% |
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | 0 | 1,281,070,742 | 0.00% |
| ING BANK N.V. | 0 | 14,590,109,546 | 0.00% |
| MEGA INT'L COMM'L BANK CO LTD | 0 | 10,494,533,264 | 0.00% |
| MERCHANTS SAVINGS & LOAN ASSN INC | 0 | 738,696,466 | 0.00% |
| METRO CEBU PUBLIC SAVINGS BANK | 0 | 112,723,783 | 0.00% |
| MICROFINANCE MAXIMUM SB INC | 0 | 15,789,932 | 0.00% |
| MIZUHO BANK LTD - MANILA BRANCH | 0 | 43,859,245,146 | 0.00% |
| NORTHPOINT DEV'T BANK INC | 0 | 397,327,582 | 0.00% |
| OPTIMUM DEVELOPMENT BANK INC | 0 | 1,482,188,152 | 0.00% |
| PHIL STAR DEVELOPMENT BANK INC | 0 | 26,922,008 | 0.00% |
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS BANK) | 0 | 9,209,618,418 | 0.00% |
| SHINHAN BANK - MANILA BRANCH | 0 | 1,210,302,000 | 0.00% |
| STANDARD CHARTERED BANK | 0 | 32,749,454,237 | 0.00% |
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | 0 | 14,185,200,726 | 0.00% |
| SUN SAVINGS BANK INC | 0 | 632,510,495 | 0.00% |
| THE BNK OF TOKYO-MITSUBISHI UFJ LTD | 0 | 35,211,664,550 | 0.00% |
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | 0 | 1,032,555,520 | 0.00% |
| WORLD PARTNERS BANK (A THRIFT BANK) | 0 | 331,610,576 | 0.00% |
| Grand Total | 179,895,791,472 | 7,538,711,596,654 | 2.39% |
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 11.59% of Stockholders Equity as of March 31, 2017. One bank has DOSRI Loans that exceeds 80% of its capital: Development Bank of the Philippines (98.53% of SE).
| Philippine Banking System | |||
| DOSRI as % of Stockholders Equity | |||
| March 31, 2017 | |||
| DOSRI | SE | DOSRI/SE | |
| Bank | (In Php) | (In PHP) | (In %) |
| DEVELOPMENT BANK OF THE PHIL | 45,257,816,989 | 45,934,092,719 | 98.53% |
| LAND BANK OF THE PHILIPPINES | 65,298,283,473 | 88,633,984,423 | 73.67% |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 273,539,175 | 654,099,419 | 41.82% |
| PAMPANGA DEVELOPMENT BANK | 48,659,060 | 135,300,586 | 35.96% |
| EAST WEST BANKING CORP | 11,138,403,344 | 35,333,154,415 | 31.52% |
| VILLAGE BANK INC (A THRIFT BANK) | 21,545,100 | 84,544,831 | 25.48% |
| DUMAGUETE CITY DEV BANK INC | 55,507,885 | 262,559,614 | 21.14% |
| MALASIQUI PROGRESSIVE SLB, INC | 10,245,912 | 52,213,426 | 19.62% |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 83,944,968 | 462,780,457 | 18.14% |
| UNIVERSITY SAVINGS BANK INC | 71,048,934 | 413,430,546 | 17.19% |
| INTER-ASIA DEVELOPMENT BANK | 10,436,389 | 63,960,231 | 16.32% |
| CHINA BANKING CORP | 8,841,728,940 | 59,031,464,070 | 14.98% |
| BANK OF MAKATI (A SAVINGS BANK) INC | 864,705,059 | 6,556,445,020 | 13.19% |
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 1,209,020,164 | 9,865,174,936 | 12.26% |
| LIFE SAVINGS BANK INC | 7,436,523 | 66,685,538 | 11.15% |
| HIYAS BANKING CORPORATION | 16,606,310 | 162,196,397 | 10.24% |
| PHIL NATIONAL BANK | 9,705,423,751 | 102,462,349,335 | 9.47% |
| PHIL SAVINGS BANK | 1,772,691,145 | 19,291,936,376 | 9.19% |
| PHIL TRUST COMPANY | 2,138,000,000 | 24,035,572,042 | 8.90% |
| BDO UNIBANK INC | 19,018,682,797 | 281,630,888,489 | 6.75% |
| ROBINSONS BANK CORPORATION | 785,300,481 | 12,115,260,787 | 6.48% |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 151,079,216 | 2,562,739,122 | 5.90% |
| THE PALAWAN BANK (PALAWAN DB) INC | 2,192,447 | 39,837,931 | 5.50% |
| PRODUCERS SAVINGS BANK CORPORATION | 86,726,734 | 1,644,599,364 | 5.27% |
| ENTERPRISE BANK INC (A THRIFT BANK) | 13,257,996 | 277,185,285 | 4.78% |
| BANK OF THE PHIL ISLANDS | 7,553,613,521 | 167,104,837,324 | 4.52% |
| PHIL POSTAL SAVINGS BANK INC | 39,378,590 | 954,200,833 | 4.13% |
| CENTURY SAVINGS BANK CORPORATION | 27,013,792 | 977,594,203 | 2.76% |
| JP MORGAN CHASE BANK NATIONAL ASSN. | 35,671,980 | 1,318,053,766 | 2.71% |
| LEMERY SAVINGS & LOAN BANK, INC. | 2,103,818 | 78,452,926 | 2.68% |
| CORDILLERA SAVINGS BANK INC | 3,524,419 | 137,922,232 | 2.56% |
| CITYSTATE SAVINGS BANK INC | 17,031,223 | 692,872,699 | 2.46% |
| HONGKONG & SHANGHAI BANKING CORP | 313,984,231 | 13,344,344,651 | 2.35% |
| BANK OF AMERICA N.A. | 40,359,368 | 2,096,035,697 | 1.93% |
| LUZON DEVELOPMENT BANK | 6,421,460 | 345,425,449 | 1.86% |
| UNITED COCONUT PLANTERS BANK | 243,300,545 | 17,451,124,245 | 1.39% |
| ASIA UNITED BANK CORPORATION | 280,598,184 | 24,339,526,210 | 1.15% |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 675,054 | 59,014,544 | 1.14% |
| SECURITY BANK CORP | 1,102,150,439 | 98,491,544,960 | 1.12% |
| METROPOLITAN BANK & TCO | 1,928,839,867 | 189,844,343,707 | 1.02% |
| FARMERS SAVINGS & LOAN BANK INC | 1,099,986 | 123,861,509 | 0.89% |
| ANZ BANKING GROUP LTD | 34,413,523 | 4,104,226,807 | 0.84% |
| RIZAL COMM'L BANKING CORP | 529,214,492 | 63,296,711,382 | 0.84% |
| UNION BANK OF THE PHILS | 484,998,803 | 62,091,195,753 | 0.78% |
| PHILIPPINE VETERANS BANK | 28,782,299 | 4,046,296,276 | 0.71% |
| CITIBANK, N.A. | 93,900,504 | 14,095,242,099 | 0.67% |
| WEALTH DEVELOPMENT BANK CORPORATION | 9,273,669 | 1,428,158,118 | 0.65% |
| MARITIME SAVINGS BANK CORPORATION | 220,000 | 36,899,584 | 0.60% |
| CTBC BANK (PHILIPPINES) CORP | 36,793,351 | 6,943,609,350 | 0.53% |
| CITY SAVINGS BANK INC | 56,465,654 | 11,258,212,430 | 0.50% |
| BANGKO KABAYAN INC (A PRIVATE DEVELOPMENT BANK) | 2,146,975 | 450,501,970 | 0.48% |
| FIRST CONSOLIDATED BANK INC (A PDB) | 13,315,292 | 3,921,398,077 | 0.34% |
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 3,425,796 | 1,488,039,795 | 0.23% |
| MALAYAN BANK SAVINGS AND MORT BANK INC | 2,208,961 | 1,021,229,750 | 0.22% |
| MAYBANK PHILIPPINES INCORPORATED | 24,500,000 | 11,942,769,431 | 0.21% |
| PNB SAVINGS BANK | 18,822,928 | 11,591,387,230 | 0.16% |
| BPI FAMILY SAVINGS BANK INC | 42,619,269 | 26,770,809,994 | 0.16% |
| UCPB SAVINGS BANK | 4,336,764 | 2,819,058,998 | 0.15% |
| ISLA BANK(A THRIFT BANK) INC | 1,004,151 | 667,526,085 | 0.15% |
| PHIL BANK OF COMMUNICATIONS | 15,284,113 | 10,278,350,767 | 0.15% |
| CHINA BANK SAVINGS INC | 8,677,477 | 9,163,202,512 | 0.09% |
| LEGAZPI SAVINGS BANK INC | 332,152 | 518,168,423 | 0.06% |
| YUANTA SAVINGS BANK PHILIPPINES INC | 538,549 | 984,463,917 | 0.05% |
| KEB HANA BANK - MANILA BRANCH | 477,600 | 1,587,936,331 | 0.03% |
| BANK OF COMMERCE | 3,528,976 | 15,153,876,740 | 0.02% |
| RCBC SAVINGS BANK INC | 2,180,356 | 10,695,425,583 | 0.02% |
| BPI DIRECT BANKO INC A SAVINGS BANK | 280,547 | 1,808,195,890 | 0.02% |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 0 | 286,499,779 | 0.00% |
| BANGKOK BANK PUBLIC CO LTD | 0 | 3,098,933,163 | 0.00% |
| BANK OF CHINA LIMITED-MANILA BRANCH | 0 | 2,441,975,319 | 0.00% |
| BANK ONE SAVINGS AND TRUST CORP. | 0 | 580,064,634 | 0.00% |
| BATAAN DEVELOPMENT BANK | 0 | 77,568,284 | 0.00% |
| BATAAN SAVINGS AND LOAN BANK | 0 | 57,924,600 | 0.00% |
| BDO PRIVATE BANK, INC. | 0 | 5,410,232,810 | 0.00% |
| BUSINESS AND CONSUMERS BANK (A DB) | 0 | 87,093,685 | 0.00% |
| CARD SME BANK INC A THRIFT BANK | 0 | 730,971,718 | 0.00% |
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | 0 | 2,130,401,781 | 0.00% |
| DEUTSCHE BANK AG | 0 | 2,257,001,852 | 0.00% |
| EQUICOM SAVINGS BANK INC | 0 | 742,357,199 | 0.00% |
| FIRST COMMERCIAL BANK LTD MANILA BRANCH | 0 | 2,031,188,854 | 0.00% |
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | 0 | 2,222,941,067 | 0.00% |
| ING BANK N.V. | 0 | 2,502,824,099 | 0.00% |
| MEGA INT'L COMM'L BANK CO LTD | 0 | 1,861,262,054 | 0.00% |
| MERCHANTS SAVINGS & LOAN ASSN INC | 0 | 622,416,521 | 0.00% |
| METRO CEBU PUBLIC SAVINGS BANK | 0 | 61,356,496 | 0.00% |
| MICROFINANCE MAXIMUM SB INC | 0 | -10,270,100 | 0.00% |
| MIZUHO BANK LTD - MANILA BRANCH | 0 | 5,574,888,253 | 0.00% |
| NORTHPOINT DEV'T BANK INC | 0 | 344,690,780 | 0.00% |
| OPTIMUM DEVELOPMENT BANK INC | 0 | 862,100,904 | 0.00% |
| PHIL STAR DEVELOPMENT BANK INC | 0 | 95,600,563 | 0.00% |
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS BANK) | 0 | 1,922,167,224 | 0.00% |
| SHINHAN BANK - MANILA BRANCH | 0 | 2,201,303,657 | 0.00% |
| STANDARD CHARTERED BANK | 0 | 6,667,508,846 | 0.00% |
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | 0 | 13,001,887,788 | 0.00% |
| SUN SAVINGS BANK INC | 0 | 186,900,409 | 0.00% |
| THE BNK OF TOKYO-MITSUBISHI UFJ LTD | 0 | 4,580,114,852 | 0.00% |
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | 0 | 2,412,646,569 | 0.00% |
| WORLD PARTNERS BANK (A THRIFT BANK) | 0 | 42,964,068 | 0.00% |
| Grand Total | 179,895,791,472 | 1,552,380,021,338 | 11.59% |
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 7.73 million, or 0.00% of its DOSRI Loans fell past due as of March 31, 2017. Of the sixty-seven banks with DOSRI Loans, forty-nine 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 March 31, 2017.
| Philippine Banking System | |||
| DOSRI Past Due as % of DOSRI | |||
| March 31, 2017 | |||
| DOSRI Past Due | DOSRI | DOSRI Past Due/DOSRI | |
| Bank | (In PHP) | (In PHP) | (In %) |
| FIRST CONSOLIDATED BANK INC (A PDB) | 1,691,893 | 13,315,292 | 12.71% |
| LIFE SAVINGS BANK INC | 784,753 | 7,436,523 | 10.55% |
| LEGAZPI SAVINGS BANK INC | 25,656 | 332,152 | 7.72% |
| CHINA BANK SAVINGS INC | 114,430 | 8,677,477 | 1.32% |
| PNB SAVINGS BANK | 69,872 | 18,822,928 | 0.37% |
| UNITED COCONUT PLANTERS BANK | 889,759 | 243,300,545 | 0.37% |
| BPI FAMILY SAVINGS BANK INC | 105,984 | 42,619,269 | 0.25% |
| UCPB SAVINGS BANK | 9,276 | 4,336,764 | 0.21% |
| PHIL BANK OF COMMUNICATIONS | 22,438 | 15,284,113 | 0.15% |
| CITIBANK, N.A. | 96,429 | 93,900,504 | 0.10% |
| RIZAL COMM'L BANKING CORP | 380,963 | 529,214,492 | 0.07% |
| BANK OF THE PHIL ISLANDS | 1,397,742 | 7,553,613,521 | 0.02% |
| BDO UNIBANK INC | 1,262,187 | 19,018,682,797 | 0.01% |
| PHIL NATIONAL BANK | 464,008 | 9,705,423,751 | 0.00% |
| EAST WEST BANKING CORP | 266,677 | 11,138,403,344 | 0.00% |
| CHINA BANKING CORP | 139,940 | 8,841,728,940 | 0.00% |
| PHIL SAVINGS BANK | 11,894 | 1,772,691,145 | 0.00% |
| MALAYAN BANK SAVINGS AND MORT BANK INC | 8 | 2,208,961 | 0.00% |
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 0 | 3,425,796 | 0.00% |
| ANZ BANKING GROUP LTD | 0 | 34,413,523 | 0.00% |
| ASIA UNITED BANK CORPORATION | 0 | 280,598,184 | 0.00% |
| BANGKO KABAYAN INC (A PRIVATE DEVELOPMENT BANK) | 0 | 2,146,975 | 0.00% |
| BANK OF AMERICA N.A. | 0 | 40,359,368 | 0.00% |
| BANK OF COMMERCE | 0 | 3,528,976 | 0.00% |
| BANK OF MAKATI (A SAVINGS BANK) INC | 0 | 864,705,059 | 0.00% |
| BPI DIRECT BANKO INC A SAVINGS BANK | 0 | 280,547 | 0.00% |
| CENTURY SAVINGS BANK CORPORATION | 0 | 27,013,792 | 0.00% |
| CITY SAVINGS BANK INC | 0 | 56,465,654 | 0.00% |
| CITYSTATE SAVINGS BANK INC | 0 | 17,031,223 | 0.00% |
| CORDILLERA SAVINGS BANK INC | 0 | 3,524,419 | 0.00% |
| CTBC BANK (PHILIPPINES) CORP | 0 | 36,793,351 | 0.00% |
| DEVELOPMENT BANK OF THE PHIL | 0 | 45,257,816,989 | 0.00% |
| DUMAGUETE CITY DEV BANK INC | 0 | 55,507,885 | 0.00% |
| ENTERPRISE BANK INC (A THRIFT BANK) | 0 | 13,257,996 | 0.00% |
| FARMERS SAVINGS & LOAN BANK INC | 0 | 1,099,986 | 0.00% |
| HIYAS BANKING CORPORATION | 0 | 16,606,310 | 0.00% |
| HONGKONG & SHANGHAI BANKING CORP | 0 | 313,984,231 | 0.00% |
| INTER-ASIA DEVELOPMENT BANK | 0 | 10,436,389 | 0.00% |
| ISLA BANK(A THRIFT BANK) INC | 0 | 1,004,151 | 0.00% |
| JP MORGAN CHASE BANK NATIONAL ASSN. | 0 | 35,671,980 | 0.00% |
| KEB HANA BANK - MANILA BRANCH | 0 | 477,600 | 0.00% |
| LAND BANK OF THE PHILIPPINES | 0 | 65,298,283,473 | 0.00% |
| LEMERY SAVINGS & LOAN BANK, INC. | 0 | 2,103,818 | 0.00% |
| LUZON DEVELOPMENT BANK | 0 | 6,421,460 | 0.00% |
| MALASIQUI PROGRESSIVE SLB, INC | 0 | 10,245,912 | 0.00% |
| MARITIME SAVINGS BANK CORPORATION | 0 | 220,000 | 0.00% |
| MAYBANK PHILIPPINES INCORPORATED | 0 | 24,500,000 | 0.00% |
| METROPOLITAN BANK & TCO | 0 | 1,928,839,867 | 0.00% |
| PAMPANGA DEVELOPMENT BANK | 0 | 48,659,060 | 0.00% |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 0 | 83,944,968 | 0.00% |
| PHIL POSTAL SAVINGS BANK INC | 0 | 39,378,590 | 0.00% |
| PHIL TRUST COMPANY | 0 | 2,138,000,000 | 0.00% |
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 0 | 1,209,020,164 | 0.00% |
| PHILIPPINE VETERANS BANK | 0 | 28,782,299 | 0.00% |
| PRODUCERS SAVINGS BANK CORPORATION | 0 | 86,726,734 | 0.00% |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 0 | 273,539,175 | 0.00% |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 0 | 675,054 | 0.00% |
| RCBC SAVINGS BANK INC | 0 | 2,180,356 | 0.00% |
| ROBINSONS BANK CORPORATION | 0 | 785,300,481 | 0.00% |
| SECURITY BANK CORP | 0 | 1,102,150,439 | 0.00% |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 0 | 151,079,216 | 0.00% |
| THE PALAWAN BANK (PALAWAN DB) INC | 0 | 2,192,447 | 0.00% |
| UNION BANK OF THE PHILS | 0 | 484,998,803 | 0.00% |
| UNIVERSITY SAVINGS BANK INC | 0 | 71,048,934 | 0.00% |
| VILLAGE BANK INC (A THRIFT BANK) | 0 | 21,545,100 | 0.00% |
| WEALTH DEVELOPMENT BANK CORPORATION | 0 | 9,273,669 | 0.00% |
| YUANTA SAVINGS BANK PHILIPPINES INC | 0 | 538,549 | 0.00% |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 0 | 0 | NA |
| BANGKOK BANK PUBLIC CO LTD | 0 | 0 | NA |
| BANK OF CHINA LIMITED-MANILA BRANCH | 0 | 0 | NA |
| BANK ONE SAVINGS AND TRUST CORP. | 0 | 0 | NA |
| BATAAN DEVELOPMENT BANK | 0 | 0 | NA |
| BATAAN SAVINGS AND LOAN BANK | 0 | 0 | NA |
| BDO PRIVATE BANK, INC. | 0 | 0 | NA |
| BUSINESS AND CONSUMERS BANK (A DB) | 0 | 0 | NA |
| CARD SME BANK INC A THRIFT BANK | 0 | 0 | NA |
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | 0 | 0 | NA |
| DEUTSCHE BANK AG | 0 | 0 | NA |
| EQUICOM SAVINGS BANK INC | 0 | 0 | NA |
| FIRST COMMERCIAL BANK LTD MANILA BRANCH | 0 | 0 | NA |
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | 0 | 0 | NA |
| ING BANK N.V. | 0 | 0 | NA |
| MEGA INT'L COMM'L BANK CO LTD | 0 | 0 | NA |
| MERCHANTS SAVINGS & LOAN ASSN INC | 0 | 0 | NA |
| METRO CEBU PUBLIC SAVINGS BANK | 0 | 0 | NA |
| MICROFINANCE MAXIMUM SB INC | 0 | 0 | NA |
| MIZUHO BANK LTD - MANILA BRANCH | 0 | 0 | NA |
| NORTHPOINT DEV'T BANK INC | 0 | 0 | NA |
| OPTIMUM DEVELOPMENT BANK INC | 0 | 0 | NA |
| PHIL STAR DEVELOPMENT BANK INC | 0 | 0 | NA |
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS BANK) | 0 | 0 | NA |
| SHINHAN BANK - MANILA BRANCH | 0 | 0 | NA |
| STANDARD CHARTERED BANK | 0 | 0 | NA |
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | 0 | 0 | NA |
| SUN SAVINGS BANK INC | 0 | 0 | NA |
| THE BNK OF TOKYO-MITSUBISHI UFJ LTD | 0 | 0 | NA |
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | 0 | 0 | NA |
| WORLD PARTNERS BANK (A THRIFT BANK) | 0 | 0 | NA |
| Grand Total | 7,733,909 | 179,895,791,472 | 0.00% |
Source: www.bsp.gov.ph
No comments:
Post a Comment