This blog post updates previous blog posts such as Luzon Development Bank Ranks Third in Non-Performing Loans as % of Stockholder's Equity as of March 31, 2017 .
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 141.16 billion as of June 30, 2017 - approximately 1.79% of the Philippine Banking Industry's Total Loan Portfolio of Php 7.89 trillion.
| Philippine Banking System | |||
| NPL as % of TLP | |||
| June 30, 2017 | |||
| Gross NPL/ Gross TLP | |||
| Bank | Gross NPLs | Gross TLP | (In %) |
| PHIL STAR DEVELOPMENT BANK INC | 13,618,385.28 | 24,003,889.89 | 56.73% |
| PHIL POSTAL SAVINGS BANK INC | 2,508,468,000.93 | 5,744,862,007.68 | 43.66% |
| WORLD PARTNERS BANK (A THRIFT BANK) | 133,433,965.51 | 369,686,690.87 | 36.09% |
| NORTHPOINT DEV'T BANK INC | 149,218,964.78 | 449,150,708.70 | 33.22% |
| LEGAZPI SAVINGS BANK INC | 443,499,654.38 | 1,415,760,781.53 | 31.33% |
| MALASIQUI PROGRESSIVE SLB, INC | 10,424,229.25 | 36,431,051.83 | 28.61% |
| YUANTA SAVINGS BANK PHILIPPINES INC | 111,437,808.32 | 516,512,250.10 | 21.58% |
| LUZON DEVELOPMENT BANK | 620,534,810.05 | 2,991,488,024.55 | 20.74% |
| LIFE SAVINGS BANK INC | 11,872,651.42 | 58,531,181.65 | 20.28% |
| PACIFIC ACE SAVINGS BANK INC | 3,119,385.69 | 15,772,750.69 | 19.78% |
| MARITIME SAVINGS BANK CORPORATION | 20,199,537.87 | 107,466,906.20 | 18.80% |
| BATAAN SAVINGS AND LOAN BANK | 1,743,509.11 | 10,128,350.43 | 17.21% |
| CENTURY SAVINGS BANK CORPORATION | 116,834,579.97 | 692,822,210.86 | 16.86% |
| ENTERPRISE BANK INC (A THRIFT BANK) | 265,460,226.74 | 1,604,064,367.90 | 16.55% |
| HIYAS BANKING CORPORATION | 33,790,616.12 | 208,215,849.28 | 16.23% |
| PAMPANGA DEVELOPMENT BANK | 57,099,117.06 | 366,944,718.65 | 15.56% |
| BATAAN DEVELOPMENT BANK | 24,610,014.94 | 174,057,468.61 | 14.14% |
| MALAYAN BANK SAVINGS AND MORT BANK INC | 546,986,749.49 | 4,201,270,875.90 | 13.02% |
| FARMERS SAVINGS & LOAN BANK INC | 23,955,544.69 | 188,594,771.12 | 12.70% |
| BANK OF MAKATI (A SAVINGS BANK) INC | 2,426,621,205.73 | 20,957,004,378.31 | 11.58% |
| EQUICOM SAVINGS BANK INC | 687,413,287.67 | 5,988,643,157.14 | 11.48% |
| PHILIPPINE VETERANS BANK | 1,885,539,254.64 | 16,758,858,562.76 | 11.25% |
| BUSINESS AND CONSUMERS BANK (A DB) | 16,128,146.05 | 154,460,142.22 | 10.44% |
| CITYSTATE SAVINGS BANK INC | 193,616,529.68 | 1,887,050,253.00 | 10.26% |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 181,830,591.66 | 1,797,510,042.45 | 10.12% |
| UCPB SAVINGS BANK | 1,395,757,892.22 | 15,055,328,522.20 | 9.27% |
| METRO CEBU PUBLIC SAVINGS BANK | 9,340,189.11 | 101,996,846.47 | 9.16% |
| UNIVERSITY SAVINGS BANK INC | 45,539,112.82 | 526,361,065.61 | 8.65% |
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 477,431,496.72 | 5,527,314,375.37 | 8.64% |
| CORDILLERA SAVINGS BANK INC | 14,699,719.72 | 178,797,531.30 | 8.22% |
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS BANK) | 761,527,575.16 | 9,299,769,222.36 | 8.19% |
| STANDARD CHARTERED BANK | 2,124,358,234.46 | 26,517,602,158.24 | 8.01% |
| LEMERY SAVINGS & LOAN BANK, INC. | 7,191,014.95 | 96,905,299.22 | 7.42% |
| THE PALAWAN BANK (PALAWAN DB) INC | 18,005,142.63 | 258,528,705.91 | 6.96% |
| DUMAGUETE CITY DEV BANK INC | 36,781,599.06 | 539,055,946.49 | 6.82% |
| WEALTH DEVELOPMENT BANK CORPORATION | 403,775,183.43 | 5,984,334,601.14 | 6.75% |
| BPI DIRECT BANKO INC A SAVINGS BANK | 418,418,339.45 | 6,424,193,135.91 | 6.51% |
| CHINA BANK SAVINGS INC | 4,191,683,659.84 | 65,112,160,447.20 | 6.44% |
| RCBC SAVINGS BANK INC | 4,652,860,907.38 | 76,554,903,760.24 | 6.08% |
| VILLAGE BANK INC (A THRIFT BANK) | 27,161,103.56 | 456,263,485.47 | 5.95% |
| FIRST CONSOLIDATED BANK INC (A PDB) | 627,943,191.24 | 11,487,688,139.91 | 5.47% |
| PRODUCERS SAVINGS BANK CORPORATION | 422,122,515.34 | 8,223,544,581.17 | 5.13% |
| PHIL BANK OF COMMUNICATIONS | 2,211,964,696.92 | 43,666,737,720.78 | 5.07% |
| EAST WEST BANKING CORP | 8,861,543,566.15 | 195,935,086,514.69 | 4.52% |
| BANK ONE SAVINGS AND TRUST CORP. | 49,945,137.26 | 1,177,424,186.44 | 4.24% |
| UNION BANK OF THE PHILS | 8,259,433,549.04 | 208,888,293,486.98 | 3.95% |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 976,793,580.15 | 25,308,236,991.16 | 3.86% |
| SUN SAVINGS BANK INC | 30,479,368.03 | 790,707,284.98 | 3.85% |
| BPI FAMILY SAVINGS BANK INC | 7,359,361,449.90 | 206,978,789,915.21 | 3.56% |
| PHIL SAVINGS BANK | 4,663,782,199.22 | 137,284,935,320.22 | 3.40% |
| UNITED COCONUT PLANTERS BANK | 4,917,354,031.38 | 151,898,678,830.37 | 3.24% |
| PNB SAVINGS BANK | 1,239,695,234.28 | 38,448,538,161.78 | 3.22% |
| CITY SAVINGS BANK INC | 1,971,533,165.39 | 64,808,566,114.24 | 3.04% |
| ASIA UNITED BANK CORPORATION | 3,267,908,554.18 | 110,259,117,838.05 | 2.96% |
| BANK OF COMMERCE | 1,873,088,010.81 | 64,572,419,929.18 | 2.90% |
| PHIL TRUST COMPANY | 1,133,451,145.23 | 40,718,796,617.74 | 2.78% |
| OPTIMUM DEVELOPMENT BANK INC | 46,514,017.84 | 1,824,062,451.72 | 2.55% |
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 1,506,845,532.18 | 59,832,170,952.55 | 2.52% |
| DEVELOPMENT BANK OF THE PHIL | 5,997,967,764.28 | 255,357,901,271.69 | 2.35% |
| MAYBANK PHILIPPINES INCORPORATED | 1,482,324,528.48 | 63,782,916,232.95 | 2.32% |
| PHIL NATIONAL BANK | 8,741,296,203.55 | 406,007,564,166.96 | 2.15% |
| CARD SME BANK INC A THRIFT BANK | 61,198,081.08 | 2,964,812,948.68 | 2.06% |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 28,404,608.06 | 1,467,332,065.22 | 1.94% |
| MERCHANTS SAVINGS & LOAN ASSN INC | 19,239,366.24 | 1,063,808,033.42 | 1.81% |
| BANGKO KABAYAN INC (A PRIVATE DEVELOPMENT BANK) | 27,111,347.52 | 1,531,093,176.15 | 1.77% |
| INTER-ASIA DEVELOPMENT BANK | 3,360,500.59 | 196,740,751.31 | 1.71% |
| HSBC SAVINGS BANK (PHILS) INC | 55,779,275.15 | 3,326,551,492.83 | 1.68% |
| ROBINSONS BANK CORPORATION | 728,263,391.43 | 45,002,536,685.69 | 1.62% |
| LAND BANK OF THE PHILIPPINES | 9,262,350,625.37 | 597,070,440,527.28 | 1.55% |
| CTBC BANK (PHILIPPINES) CORP | 445,600,591.58 | 30,113,559,202.69 | 1.48% |
| BANK OF CHINA LIMITED-MANILA BRANCH | 188,969,213.72 | 13,511,454,457.84 | 1.40% |
| HONGKONG & SHANGHAI BANKING CORP | 730,992,187.04 | 53,411,187,868.54 | 1.37% |
| ANZ BANKING GROUP LTD | 404,087,064.26 | 30,258,183,641.96 | 1.34% |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 5,222,336.47 | 441,949,465.84 | 1.18% |
| BDO UNIBANK INC | 17,219,995,831.01 | 1,602,911,962,754.99 | 1.07% |
| CHINA BANKING CORP | 3,584,955,716.65 | 346,056,738,479.43 | 1.04% |
| RIZAL COMM'L BANKING CORP | 2,421,878,939.03 | 246,322,414,902.50 | 0.98% |
| BANK OF THE PHIL ISLANDS | 8,232,869,548.41 | 858,088,783,388.17 | 0.96% |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 487,619.50 | 62,550,620.15 | 0.78% |
| SECURITY BANK CORP | 2,060,467,178.32 | 338,404,646,885.15 | 0.61% |
| BANGKOK BANK PUBLIC CO LTD | 36,877,890.77 | 7,625,207,728.72 | 0.48% |
| METROPOLITAN BANK & TCO | 4,034,181,576.50 | 937,179,787,242.82 | 0.43% |
| CITIBANK, N.A. | 865,034,706.52 | 202,718,403,105.17 | 0.43% |
| KEB HANA BANK - MANILA BRANCH | 28,097,202.88 | 6,711,417,348.85 | 0.42% |
| ING BANK N.V. | 102.94 | 11,504,576,871.46 | 0.00% |
| BANK OF AMERICA N.A. | 0.00 | 4,401,490,978.48 | 0.00% |
| BDO PRIVATE BANK, INC. | 0.00 | 16,275,984,461.02 | 0.00% |
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | 0.00 | 1,366,393,509.90 | 0.00% |
| DEUTSCHE BANK AG | 0.00 | 26,625,764,812.98 | 0.00% |
| FIRST COMMERCIAL BANK LTD MANILA BRANCH | 0.00 | 13,000,000.00 | 0.00% |
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | 0.00 | 1,399,236,007.52 | 0.00% |
| ISLA BANK(A THRIFT BANK) INC | 0.00 | 648,537,760.12 | 0.00% |
| JP MORGAN CHASE BANK NATIONAL ASSN. | 0.00 | 24,535,367,101.15 | 0.00% |
| MEGA INT'L COMM'L BANK CO LTD | 0.00 | 9,932,870,219.05 | 0.00% |
| MIZUHO BANK LTD - MANILA BRANCH | 0.00 | 43,606,223,152.87 | 0.00% |
| SHINHAN BANK - MANILA BRANCH | 0.00 | 1,068,439,760.98 | 0.00% |
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | 0.00 | 14,084,589,215.26 | 0.00% |
| THE BNK OF TOKYO-MITSUBISHI UFJ LTD | 0.00 | 33,808,483,135.44 | 0.00% |
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | 0.00 | 919,249,265.00 | 0.00% |
| Grand Total | 141,158,760,279.43 | 7,893,236,752,228.85 | 1.79% |
There are six
Philippine Banks with a Gross NPL Ratio greater than 25.00% of Total
Loan Portfolio (TLP). These are as follows:
- Philippine Star Development Bank, Inc. (56.73% of TLP)
- Philippine Postal Savings Bank Inc. (43.66% of TLP)
- World Partners Bank (36.09% of TLP)
- Northpoint Development Bank, Inc. (33.22% of TLP)
- Legazpi Savings Bank Inc. (31.33% of TLP)
- Malasiqui Progressive SLB, Inc. (28.61% 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 8.79% of Stockholders Equity as of June 30, 2017.
| Philippine Banking System | |||
| NPL as % of SE | |||
| June 30, 2017 | |||
| NPL | SE | NPL/SE | |
| Bank | (In PHP) | (In PHP) | (In %) |
| PHIL POSTAL SAVINGS BANK INC | 2,508,468,000.93 | 912,190,817.96 | 274.99% |
| WORLD PARTNERS BANK (A THRIFT BANK) | 133,433,965.51 | 52,424,149.24 | 254.53% |
| ENTERPRISE BANK INC (A THRIFT BANK) | 265,460,226.74 | 260,554,304.83 | 101.88% |
| LUZON DEVELOPMENT BANK | 620,534,810.05 | 629,229,248.68 | 98.62% |
| EQUICOM SAVINGS BANK INC | 687,413,287.67 | 698,949,675.95 | 98.35% |
| LEGAZPI SAVINGS BANK INC | 443,499,654.38 | 523,899,957.52 | 84.65% |
| MARITIME SAVINGS BANK CORPORATION | 20,199,537.87 | 36,992,452.11 | 54.60% |
| PHILIPPINE VETERANS BANK | 1,885,539,254.64 | 3,656,411,884.82 | 51.57% |
| UCPB SAVINGS BANK | 1,395,757,892.22 | 2,874,860,911.74 | 48.55% |
| MALAYAN BANK SAVINGS AND MORT BANK INC | 546,986,749.49 | 1,150,344,697.77 | 47.55% |
| THE PALAWAN BANK (PALAWAN DB) INC | 18,005,142.63 | 38,796,966.79 | 46.41% |
| CHINA BANK SAVINGS INC | 4,191,683,659.84 | 9,092,992,464.87 | 46.10% |
| NORTHPOINT DEV'T BANK INC | 149,218,964.78 | 353,822,818.80 | 42.17% |
| RCBC SAVINGS BANK INC | 4,652,860,907.38 | 11,066,842,802.53 | 42.04% |
| PAMPANGA DEVELOPMENT BANK | 57,099,117.06 | 148,804,323.34 | 38.37% |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 976,793,580.15 | 2,575,933,166.93 | 37.92% |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 181,830,591.66 | 508,641,109.11 | 35.75% |
| BANK OF MAKATI (A SAVINGS BANK) INC | 2,426,621,205.73 | 6,841,303,912.90 | 35.47% |
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS BANK) | 761,527,575.16 | 2,241,413,365.37 | 33.98% |
| VILLAGE BANK INC (A THRIFT BANK) | 27,161,103.56 | 82,448,387.65 | 32.94% |
| STANDARD CHARTERED BANK | 2,124,358,234.46 | 6,626,619,569.47 | 32.06% |
| BATAAN DEVELOPMENT BANK | 24,610,014.94 | 79,339,385.37 | 31.02% |
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 477,431,496.72 | 1,559,682,991.33 | 30.61% |
| CITYSTATE SAVINGS BANK INC | 193,616,529.68 | 679,648,386.14 | 28.49% |
| BPI FAMILY SAVINGS BANK INC | 7,359,361,449.90 | 26,009,110,830.94 | 28.30% |
| UNITED COCONUT PLANTERS BANK | 4,917,354,031.38 | 17,763,321,160.41 | 27.68% |
| WEALTH DEVELOPMENT BANK CORPORATION | 403,775,183.43 | 1,460,127,640.46 | 27.65% |
| PRODUCERS SAVINGS BANK CORPORATION | 422,122,515.34 | 1,673,043,542.61 | 25.23% |
| EAST WEST BANKING CORP | 8,861,543,566.15 | 36,123,097,471.69 | 24.53% |
| PHIL SAVINGS BANK | 4,663,782,199.22 | 19,934,184,692.96 | 23.40% |
| METRO CEBU PUBLIC SAVINGS BANK | 9,340,189.11 | 42,310,913.26 | 22.08% |
| PHIL BANK OF COMMUNICATIONS | 2,211,964,696.92 | 10,478,096,577.25 | 21.11% |
| BPI DIRECT BANKO INC A SAVINGS BANK | 418,418,339.45 | 2,009,459,844.76 | 20.82% |
| HIYAS BANKING CORPORATION | 33,790,616.12 | 168,276,907.07 | 20.08% |
| MALASIQUI PROGRESSIVE SLB, INC | 10,424,229.25 | 52,405,777.66 | 19.89% |
| BUSINESS AND CONSUMERS BANK (A DB) | 16,128,146.05 | 88,581,716.32 | 18.21% |
| LIFE SAVINGS BANK INC | 11,872,651.42 | 66,621,234.31 | 17.82% |
| FARMERS SAVINGS & LOAN BANK INC | 23,955,544.69 | 139,534,469.05 | 17.17% |
| CITY SAVINGS BANK INC | 1,971,533,165.39 | 11,948,734,053.08 | 16.50% |
| SUN SAVINGS BANK INC | 30,479,368.03 | 188,151,300.87 | 16.20% |
| FIRST CONSOLIDATED BANK INC (A PDB) | 627,943,191.24 | 4,069,474,830.97 | 15.43% |
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 1,506,845,532.18 | 9,994,689,897.65 | 15.08% |
| PHIL STAR DEVELOPMENT BANK INC | 13,618,385.28 | 95,515,586.09 | 14.26% |
| DEVELOPMENT BANK OF THE PHIL | 5,997,967,764.28 | 45,033,443,004.31 | 13.32% |
| DUMAGUETE CITY DEV BANK INC | 36,781,599.06 | 278,933,034.72 | 13.19% |
| ASIA UNITED BANK CORPORATION | 3,267,908,554.18 | 25,064,533,136.71 | 13.04% |
| UNION BANK OF THE PHILS | 8,259,433,549.04 | 64,204,605,698.79 | 12.86% |
| BANK OF COMMERCE | 1,873,088,010.81 | 15,424,614,405.04 | 12.14% |
| MAYBANK PHILIPPINES INCORPORATED | 1,482,324,528.48 | 12,511,305,008.97 | 11.85% |
| CENTURY SAVINGS BANK CORPORATION | 116,834,579.97 | 990,519,115.21 | 11.80% |
| YUANTA SAVINGS BANK PHILIPPINES INC | 111,437,808.32 | 981,621,561.60 | 11.35% |
| UNIVERSITY SAVINGS BANK INC | 45,539,112.82 | 413,906,362.05 | 11.00% |
| PNB SAVINGS BANK | 1,239,695,234.28 | 11,581,800,819.39 | 10.70% |
| CORDILLERA SAVINGS BANK INC | 14,699,719.72 | 141,590,159.34 | 10.38% |
| ANZ BANKING GROUP LTD | 404,087,064.26 | 4,135,436,214.83 | 9.77% |
| LAND BANK OF THE PHILIPPINES | 9,262,350,625.37 | 97,365,420,357.98 | 9.51% |
| LEMERY SAVINGS & LOAN BANK, INC. | 7,191,014.95 | 80,394,408.65 | 8.94% |
| BANK ONE SAVINGS AND TRUST CORP. | 49,945,137.26 | 578,405,928.29 | 8.63% |
| PHIL NATIONAL BANK | 8,741,296,203.55 | 104,375,401,959.76 | 8.37% |
| CARD SME BANK INC A THRIFT BANK | 61,198,081.08 | 803,246,783.04 | 7.62% |
| BANK OF CHINA LIMITED-MANILA BRANCH | 188,969,213.72 | 2,548,322,917.53 | 7.42% |
| CTBC BANK (PHILIPPINES) CORP | 445,600,591.58 | 7,015,996,583.56 | 6.35% |
| ROBINSONS BANK CORPORATION | 728,263,391.43 | 12,194,350,959.91 | 5.97% |
| BDO UNIBANK INC | 17,219,995,831.01 | 288,498,827,105.70 | 5.97% |
| BANGKO KABAYAN INC (A PRIVATE DEVELOPMENT BANK) | 27,111,347.52 | 461,655,272.10 | 5.87% |
| CITIBANK, N.A. | 865,034,706.52 | 15,937,194,194.65 | 5.43% |
| OPTIMUM DEVELOPMENT BANK INC | 46,514,017.84 | 860,541,306.24 | 5.41% |
| HONGKONG & SHANGHAI BANKING CORP | 730,992,187.04 | 13,714,790,245.53 | 5.33% |
| INTER-ASIA DEVELOPMENT BANK | 3,360,500.59 | 64,662,908.40 | 5.20% |
| BANK OF THE PHIL ISLANDS | 8,232,869,548.41 | 169,327,181,092.42 | 4.86% |
| CHINA BANKING CORP | 3,584,955,716.65 | 74,140,331,250.87 | 4.84% |
| PACIFIC ACE SAVINGS BANK INC | 3,119,385.69 | 65,069,098.63 | 4.79% |
| PHIL TRUST COMPANY | 1,133,451,145.23 | 24,847,284,852.16 | 4.56% |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 28,404,608.06 | 653,165,592.73 | 4.35% |
| RIZAL COMM'L BANKING CORP | 2,421,878,939.03 | 63,346,291,997.40 | 3.82% |
| MERCHANTS SAVINGS & LOAN ASSN INC | 19,239,366.24 | 618,763,558.14 | 3.11% |
| BATAAN SAVINGS AND LOAN BANK | 1,743,509.11 | 57,872,042.86 | 3.01% |
| HSBC SAVINGS BANK (PHILS) INC | 55,779,275.15 | 1,860,699,367.91 | 3.00% |
| METROPOLITAN BANK & TCO | 4,034,181,576.50 | 194,923,419,998.34 | 2.07% |
| SECURITY BANK CORP | 2,060,467,178.32 | 99,567,769,614.34 | 2.07% |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 5,222,336.47 | 273,304,452.83 | 1.91% |
| KEB HANA BANK - MANILA BRANCH | 28,097,202.88 | 1,597,687,658.29 | 1.76% |
| BANGKOK BANK PUBLIC CO LTD | 36,877,890.77 | 3,129,192,807.98 | 1.18% |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 487,619.50 | 58,516,892.71 | 0.83% |
| ING BANK N.V. | 102.94 | 2,500,805,709.15 | 0.00% |
| BANK OF AMERICA N.A. | 0.00 | 2,091,322,952.20 | 0.00% |
| BDO PRIVATE BANK, INC. | 0.00 | 5,603,416,533.66 | 0.00% |
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | 0.00 | 2,137,859,788.27 | 0.00% |
| DEUTSCHE BANK AG | 0.00 | 2,364,070,153.81 | 0.00% |
| FIRST COMMERCIAL BANK LTD MANILA BRANCH | 0.00 | 2,025,837,707.46 | 0.00% |
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | 0.00 | 2,247,987,353.43 | 0.00% |
| ISLA BANK(A THRIFT BANK) INC | 0.00 | 670,867,337.69 | 0.00% |
| JP MORGAN CHASE BANK NATIONAL ASSN. | 0.00 | 1,295,542,287.45 | 0.00% |
| MEGA INT'L COMM'L BANK CO LTD | 0.00 | 1,824,886,709.42 | 0.00% |
| MIZUHO BANK LTD - MANILA BRANCH | 0.00 | 5,510,141,315.34 | 0.00% |
| SHINHAN BANK - MANILA BRANCH | 0.00 | 2,202,945,627.45 | 0.00% |
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | 0.00 | 12,958,404,539.93 | 0.00% |
| THE BNK OF TOKYO-MITSUBISHI UFJ LTD | 0.00 | 4,594,769,708.68 | 0.00% |
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | 0.00 | 2,362,004,659.17 | 0.00% |
| Grand Total | 141,158,760,279.43 | 1,605,115,818,311.65 | 8.79% |
Of the 99 banks
in this list, twenty-three banks have a Gross NPL to Stockholders
Equity Ratio of 30% or more as of June 30, 2017. These banks are as
follows:
- Philippine Postal Savings Bank (274.99% of SE)
- World Partners Bank (254.53% of SE)
- Enterprise Bank (101.88% of SE)
- Luzon Development Bank (98.62% of SE)
- Equicom Savings Bank (98.35% of SE)
- Legazpi Savings Bank (84.65% of SE)
- Maritime Savings Bank Corporation (54.60% of SE)
- Philippine Veterans Bank (51.57% of SE)
- UCPB Savings Bank (48.55% of SE)
- Malayan Bank Savings and Mortgage Bank (47.55% of SE)
- The Palawan Bank (46.41% of SE)
- China Bank Savings (46.10% of SE)
- Northpoint Development Bank (42.17% of SE)
- RCBC Savings Bank (42.04% of SE)
- Pampanga Development Bank (38.37% of SE)
- Sterling Bank of Asia (37.92% of SE)
- Penbank Inc (35.75% of SE)
- Bank of Makati (35.47% of SE)
- Philippine Resources Savings Banking Corporation (33.98% of SE)
- Village Bank Inc (32.94% of SE)
- Standard Chartered Bank (32.06% of SE)
- Bataan Development Bank (31.02% of SE)
- 1st Valley Bank Inc (30.61% of SE)
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