This blog post updates previous blog posts such as Philippine Postal Savings Bank Ranks 1st in Non-Performing Loans as % of Stockholder's Equity as of June 30, 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 145.94 billion as of September 30, 2017 - approximately 1.77% of the Philippine Banking Industry's Total Loan Portfolio of Php 8.26 trillion.
| Philippine Banking System | |||
| NPL as % of TLP | |||
| September 30, 2017 | |||
| Gross NPL/ Gross TLP | |||
| Bank | Gross NPLs | Gross TLP | (In %) |
| PHIL STAR DEVELOPMENT BANK INC | 13,618,385.28 | 24,500,782.27 | 55.58% |
| PHIL POSTAL SAVINGS BANK INC | 2,508,468,000.93 | 5,744,862,007.68 | 43.66% |
| MALASIQUI PROGRESSIVE SLB, INC | 16,462,941.25 | 40,099,749.13 | 41.05% |
| WORLD PARTNERS BANK (A THRIFT BANK) | 133,433,965.51 | 369,686,690.87 | 36.09% |
| NORTHPOINT DEV'T BANK INC | 167,453,354.61 | 488,457,053.42 | 34.28% |
| LEGAZPI SAVINGS BANK INC | 320,173,069.38 | 1,314,412,780.16 | 24.36% |
| UNIVERSITY SAVINGS BANK INC | 116,956,047.27 | 496,844,416.03 | 23.54% |
| BATAAN SAVINGS AND LOAN BANK | 2,089,556.31 | 8,883,494.35 | 23.52% |
| YUANTA SAVINGS BANK PHILIPPINES INC | 112,954,004.98 | 488,100,511.78 | 23.14% |
| LIFE SAVINGS BANK INC | 11,416,781.69 | 51,328,132.95 | 22.24% |
| MARITIME SAVINGS BANK CORPORATION | 23,382,029.78 | 113,479,698.19 | 20.60% |
| PACIFIC ACE SAVINGS BANK INC | 3,359,285.69 | 18,307,602.69 | 18.35% |
| LUZON DEVELOPMENT BANK | 545,046,546.55 | 3,126,117,639.91 | 17.44% |
| LEMERY SAVINGS & LOAN BANK, INC. | 13,423,090.28 | 93,153,053.58 | 14.41% |
| PAMPANGA DEVELOPMENT BANK | 51,971,314.94 | 372,928,966.84 | 13.94% |
| HIYAS BANKING CORPORATION | 34,353,876.46 | 247,198,160.81 | 13.90% |
| ENTERPRISE BANK INC (A THRIFT BANK) | 215,713,578.66 | 1,680,240,185.10 | 12.84% |
| BATAAN DEVELOPMENT BANK | 23,282,834.47 | 181,731,851.49 | 12.81% |
| FARMERS SAVINGS & LOAN BANK INC | 23,926,681.31 | 202,216,693.64 | 11.83% |
| EQUICOM SAVINGS BANK INC | 667,607,093.01 | 5,767,977,570.78 | 11.57% |
| PHILIPPINE VETERANS BANK | 1,883,037,451.22 | 16,351,335,745.82 | 11.52% |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 188,311,423.89 | 1,729,726,141.75 | 10.89% |
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS BANK) | 1,044,815,027.27 | 9,669,052,791.85 | 10.81% |
| BANK OF MAKATI (A SAVINGS BANK) INC | 2,326,624,061.12 | 22,331,893,690.78 | 10.42% |
| MALAYAN BANK SAVINGS AND MORT BANK INC | 435,420,208.60 | 4,349,622,153.99 | 10.01% |
| CITYSTATE SAVINGS BANK INC | 188,959,446.02 | 1,940,667,782.19 | 9.74% |
| UCPB SAVINGS BANK | 1,441,208,137.49 | 15,172,610,993.13 | 9.50% |
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 526,595,673.05 | 5,553,153,750.02 | 9.48% |
| METRO CEBU PUBLIC SAVINGS BANK | 8,869,721.90 | 96,998,130.45 | 9.14% |
| CORDILLERA SAVINGS BANK INC | 15,910,979.40 | 184,583,522.18 | 8.62% |
| BPI DIRECT BANKO INC A SAVINGS BANK | 402,048,116.22 | 4,946,873,915.86 | 8.13% |
| THE PALAWAN BANK (PALAWAN DB) INC | 18,005,142.63 | 258,528,705.91 | 6.96% |
| CHINA BANK SAVINGS INC | 4,130,404,304.73 | 64,155,254,685.32 | 6.44% |
| STANDARD CHARTERED BANK | 2,625,905,469.28 | 41,269,883,080.69 | 6.36% |
| VILLAGE BANK INC (A THRIFT BANK) | 29,349,566.91 | 464,113,203.81 | 6.32% |
| RCBC SAVINGS BANK INC | 4,880,055,779.99 | 79,284,699,874.34 | 6.16% |
| WEALTH DEVELOPMENT BANK CORPORATION | 380,390,453.79 | 6,679,108,966.06 | 5.70% |
| DUMAGUETE CITY DEV BANK INC | 29,599,686.48 | 572,564,507.05 | 5.17% |
| PRODUCERS SAVINGS BANK CORPORATION | 422,122,515.34 | 8,223,544,581.17 | 5.13% |
| CENTURY SAVINGS BANK CORPORATION | 35,040,627.61 | 692,756,493.72 | 5.06% |
| PHIL BANK OF COMMUNICATIONS | 2,216,599,337.40 | 47,905,082,372.72 | 4.63% |
| EAST WEST BANKING CORP | 8,571,691,526.36 | 197,214,306,063.31 | 4.35% |
| BANK ONE SAVINGS AND TRUST CORP. | 49,944,276.09 | 1,243,571,621.70 | 4.02% |
| BUSINESS AND CONSUMERS BANK (A DB) | 6,090,313.34 | 157,907,975.33 | 3.86% |
| UNION BANK OF THE PHILS | 8,069,495,405.68 | 210,226,172,546.88 | 3.84% |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 999,798,578.55 | 26,188,733,185.53 | 3.82% |
| BPI FAMILY SAVINGS BANK INC | 7,581,005,954.14 | 210,551,533,396.39 | 3.60% |
| FIRST CONSOLIDATED BANK INC (A PDB) | 407,424,268.73 | 11,549,381,132.98 | 3.53% |
| PNB SAVINGS BANK | 1,435,899,069.48 | 41,192,455,388.91 | 3.49% |
| CITY SAVINGS BANK INC | 2,171,636,478.59 | 63,151,639,525.61 | 3.44% |
| SUN SAVINGS BANK INC | 31,865,252.35 | 940,788,490.50 | 3.39% |
| BANK OF COMMERCE | 1,933,309,750.94 | 57,815,067,658.17 | 3.34% |
| ALLBANK (A THRIFT BANK) INC | 53,131,404.08 | 1,641,596,923.25 | 3.24% |
| PHIL SAVINGS BANK | 4,610,213,814.22 | 142,798,635,298.07 | 3.23% |
| INTER-ASIA DEVELOPMENT BANK | 6,364,956.89 | 203,913,077.52 | 3.12% |
| UNITED COCONUT PLANTERS BANK | 4,006,807,441.49 | 140,724,110,261.36 | 2.85% |
| PHIL TRUST COMPANY | 1,121,366,905.75 | 41,927,002,375.42 | 2.67% |
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 1,527,303,682.15 | 66,250,033,277.91 | 2.31% |
| ASIA UNITED BANK CORPORATION | 2,729,346,887.64 | 118,692,336,295.69 | 2.30% |
| MAYBANK PHILIPPINES INCORPORATED | 1,538,320,568.40 | 68,507,304,429.46 | 2.25% |
| CARD SME BANK INC A THRIFT BANK | 69,511,576.66 | 3,296,832,851.74 | 2.11% |
| DEVELOPMENT BANK OF THE PHIL | 5,788,443,476.53 | 276,462,828,566.56 | 2.09% |
| MERCHANTS SAVINGS & LOAN ASSN INC | 21,944,310.69 | 1,048,859,851.85 | 2.09% |
| PHIL NATIONAL BANK | 8,771,640,884.50 | 427,566,996,674.77 | 2.05% |
| HSBC SAVINGS BANK(PHILS) INC | 51,109,354.88 | 3,205,893,669.56 | 1.59% |
| LAND BANK OF THE PHILIPPINES | 9,545,698,986.46 | 610,832,570,250.45 | 1.56% |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 24,547,464.17 | 1,620,598,229.89 | 1.51% |
| ROBINSONS BANK CORPORATION | 771,694,104.69 | 53,243,335,521.48 | 1.45% |
| BANK OF CHINA LIMITED-MANILA BRANCH | 188,969,213.72 | 13,434,051,214.41 | 1.41% |
| CTBC BANK (PHILIPPINES) CORP | 427,998,126.17 | 30,930,205,257.47 | 1.38% |
| ANZ BANKING GROUP LTD | 404,087,064.26 | 31,534,582,210.88 | 1.28% |
| BANGKO KABAYAN INC (A PRIVATE DEVELOPMENT BANK) | 19,285,872.47 | 1,543,314,982.44 | 1.25% |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 5,222,336.47 | 465,856,262.81 | 1.12% |
| HONGKONG & SHANGHAI BANKING CORP | 745,759,554.02 | 68,168,764,444.33 | 1.09% |
| CHINA BANKING CORP | 4,034,201,792.60 | 372,073,819,046.05 | 1.08% |
| BDO UNIBANK INC | 18,340,530,156.37 | 1,699,590,325,341.91 | 1.08% |
| RIZAL COMM'L BANKING CORP | 2,738,199,180.71 | 257,003,478,605.63 | 1.07% |
| BANK OF THE PHIL ISLANDS | 9,657,461,045.03 | 936,521,746,266.58 | 1.03% |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 519,588.36 | 62,239,900.61 | 0.83% |
| METROPOLITAN BANK & TCO | 6,115,557,253.03 | 928,840,152,178.94 | 0.66% |
| SECURITY BANK CORP | 2,178,978,925.78 | 371,061,421,976.43 | 0.59% |
| CITIBANK, N.A. | 886,570,461.17 | 196,401,565,772.92 | 0.45% |
| KEB HANA BANK - MANILA BRANCH | 28,131,704.26 | 6,305,489,528.96 | 0.45% |
| BANGKOK BANK PUBLIC CO LTD | 35,377,890.77 | 8,575,099,025.79 | 0.41% |
| ING BANK N.V. | 103.63 | 12,171,649,368.29 | 0.00% |
| BANK OF AMERICA N.A. | 0.00 | 5,213,822,526.77 | 0.00% |
| BDO PRIVATE BANK, INC. | 0.00 | 8,097,900,367.14 | 0.00% |
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | 0.00 | 1,278,700,340.90 | 0.00% |
| DEUTSCHE BANK AG | 0.00 | 41,077,991,671.55 | 0.00% |
| FIRST COMMERCIAL BANK LTD MANILA BRANCH | 0.00 | 242,000,000.00 | 0.00% |
| HUA NAN COMMERCIAL BANK LTD MANILA BRANCH | 0.00 | 0.00 | NA |
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | 0.00 | 1,606,228,766.34 | 0.00% |
| ISLA BANK(A THRIFT BANK) INC | 0.00 | 657,239,778.42 | 0.00% |
| JP MORGAN CHASE BANK NATIONAL ASSN. | 0.00 | 23,559,467,795.11 | 0.00% |
| MEGA INT'L COMM'L BANK CO LTD | 0.00 | 11,869,126,550.93 | 0.00% |
| MIZUHO BANK LTD - MANILA BRANCH | 0.00 | 49,503,206,030.80 | 0.00% |
| SHINHAN BANK - MANILA BRANCH | 0.00 | 1,219,285,528.25 | 0.00% |
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | 0.00 | 15,910,933,550.00 | 0.00% |
| THE BNK OF TOKYO-MITSUBISHI UFJ LTD | 0.00 | 32,526,188,169.16 | 0.00% |
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | 0.00 | 1,598,061,555.00 | 0.00% |
| Grand Total | 145,936,822,530.97 | 8,259,960,900,685.59 | 1.77% |
There are five 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. (55.58% of TLP)
- Philippine Postal Savings Bank Inc. (43.66% of TLP)
- Malasiqui Progressive SLB, Inc. (41.05% of TLP)
- World Partners Bank (36.09% of TLP)
- Northpoint Development Bank, Inc. (34.28% 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 8.85% of Stockholders Equity as of September 30, 2017.
| Philippine Banking System | |||
| NPL as % of SE | |||
| September 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% |
| EQUICOM SAVINGS BANK INC | 667,607,093.01 | 702,493,775.37 | 95.03% |
| LUZON DEVELOPMENT BANK | 545,046,546.55 | 608,587,401.07 | 89.56% |
| ENTERPRISE BANK INC (A THRIFT BANK) | 215,713,578.66 | 280,195,073.92 | 76.99% |
| MARITIME SAVINGS BANK CORPORATION | 23,382,029.78 | 37,087,935.24 | 63.04% |
| LEGAZPI SAVINGS BANK INC | 320,173,069.38 | 537,350,772.59 | 59.58% |
| PHILIPPINE VETERANS BANK | 1,883,037,451.22 | 3,497,229,644.77 | 53.84% |
| UCPB SAVINGS BANK | 1,441,208,137.49 | 2,941,708,331.13 | 48.99% |
| NORTHPOINT DEV'T BANK INC | 167,453,354.61 | 349,870,036.19 | 47.86% |
| THE PALAWAN BANK (PALAWAN DB) INC | 18,005,142.63 | 38,796,966.79 | 46.41% |
| CHINA BANK SAVINGS INC | 4,130,404,304.73 | 9,020,020,772.21 | 45.79% |
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS BANK) | 1,044,815,027.27 | 2,330,423,041.47 | 44.83% |
| RCBC SAVINGS BANK INC | 4,880,055,779.99 | 11,406,749,774.02 | 42.78% |
| VILLAGE BANK INC (A THRIFT BANK) | 29,349,566.91 | 70,575,666.57 | 41.59% |
| STANDARD CHARTERED BANK | 2,625,905,469.28 | 6,607,584,228.73 | 39.74% |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 188,311,423.89 | 486,928,896.76 | 38.67% |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 999,798,578.55 | 2,614,441,434.70 | 38.24% |
| MALAYAN BANK SAVINGS AND MORT BANK INC | 435,420,208.60 | 1,176,335,297.85 | 37.01% |
| PAMPANGA DEVELOPMENT BANK | 51,971,314.94 | 148,200,486.72 | 35.07% |
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 526,595,673.05 | 1,594,183,681.39 | 33.03% |
| BANK OF MAKATI (A SAVINGS BANK) INC | 2,326,624,061.12 | 7,177,253,101.88 | 32.42% |
| MALASIQUI PROGRESSIVE SLB, INC | 16,462,941.25 | 52,202,636.18 | 31.54% |
| UNIVERSITY SAVINGS BANK INC | 116,956,047.27 | 417,685,916.66 | 28.00% |
| BATAAN DEVELOPMENT BANK | 23,282,834.47 | 83,685,275.51 | 27.82% |
| BPI FAMILY SAVINGS BANK INC | 7,581,005,954.14 | 27,332,288,317.29 | 27.74% |
| WEALTH DEVELOPMENT BANK CORPORATION | 380,390,453.79 | 1,474,494,842.00 | 25.80% |
| PRODUCERS SAVINGS BANK CORPORATION | 422,122,515.34 | 1,673,043,542.61 | 25.23% |
| CITYSTATE SAVINGS BANK INC | 188,959,446.02 | 750,760,752.25 | 25.17% |
| EAST WEST BANKING CORP | 8,571,691,526.36 | 37,335,941,987.02 | 22.96% |
| PHIL SAVINGS BANK | 4,610,213,814.22 | 20,553,887,937.32 | 22.43% |
| UNITED COCONUT PLANTERS BANK | 4,006,807,441.49 | 17,915,131,482.85 | 22.37% |
| HIYAS BANKING CORPORATION | 34,353,876.46 | 172,583,685.53 | 19.91% |
| BPI DIRECT BANKO INC A SAVINGS BANK | 402,048,116.22 | 2,026,159,831.01 | 19.84% |
| PHIL BANK OF COMMUNICATIONS | 2,216,599,337.40 | 11,928,226,773.54 | 18.58% |
| FARMERS SAVINGS & LOAN BANK INC | 23,926,681.31 | 132,550,717.23 | 18.05% |
| CITY SAVINGS BANK INC | 2,171,636,478.59 | 12,706,877,725.77 | 17.09% |
| LIFE SAVINGS BANK INC | 11,416,781.69 | 67,270,003.62 | 16.97% |
| METRO CEBU PUBLIC SAVINGS BANK | 8,869,721.90 | 52,804,532.18 | 16.80% |
| SUN SAVINGS BANK INC | 31,865,252.35 | 190,859,259.93 | 16.70% |
| LEMERY SAVINGS & LOAN BANK, INC. | 13,423,090.28 | 81,595,968.41 | 16.45% |
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 1,527,303,682.15 | 10,074,646,988.78 | 15.16% |
| PHIL STAR DEVELOPMENT BANK INC | 13,618,385.28 | 95,512,977.18 | 14.26% |
| DEVELOPMENT BANK OF THE PHIL | 5,788,443,476.53 | 46,550,980,106.56 | 12.43% |
| BANK OF COMMERCE | 1,933,309,750.94 | 15,611,461,237.37 | 12.38% |
| PNB SAVINGS BANK | 1,435,899,069.48 | 11,722,055,280.02 | 12.25% |
| MAYBANK PHILIPPINES INCORPORATED | 1,538,320,568.40 | 12,564,639,453.88 | 12.24% |
| UNION BANK OF THE PHILS | 8,069,495,405.68 | 65,938,706,351.21 | 12.24% |
| YUANTA SAVINGS BANK PHILIPPINES INC | 112,954,004.98 | 973,401,700.92 | 11.60% |
| CORDILLERA SAVINGS BANK INC | 15,910,979.40 | 144,410,140.75 | 11.02% |
| DUMAGUETE CITY DEV BANK INC | 29,599,686.48 | 282,851,266.90 | 10.46% |
| ASIA UNITED BANK CORPORATION | 2,729,346,887.64 | 26,504,553,463.24 | 10.30% |
| FIRST CONSOLIDATED BANK INC (A PDB) | 407,424,268.73 | 4,243,049,159.99 | 9.60% |
| ANZ BANKING GROUP LTD | 404,087,064.26 | 4,242,436,078.21 | 9.52% |
| INTER-ASIA DEVELOPMENT BANK | 6,364,956.89 | 67,233,113.70 | 9.47% |
| LAND BANK OF THE PHILIPPINES | 9,545,698,986.46 | 101,943,418,116.82 | 9.36% |
| BANK ONE SAVINGS AND TRUST CORP. | 49,944,276.09 | 584,102,778.37 | 8.55% |
| PHIL NATIONAL BANK | 8,771,640,884.50 | 106,035,778,273.85 | 8.27% |
| CARD SME BANK INC A THRIFT BANK | 69,511,576.66 | 877,516,443.55 | 7.92% |
| BANK OF CHINA LIMITED-MANILA BRANCH | 188,969,213.72 | 2,580,749,046.71 | 7.32% |
| BUSINESS AND CONSUMERS BANK (A DB) | 6,090,313.34 | 87,068,500.59 | 6.99% |
| BDO UNIBANK INC | 18,340,530,156.37 | 293,986,619,750.52 | 6.24% |
| ROBINSONS BANK CORPORATION | 771,694,104.69 | 12,401,830,668.75 | 6.22% |
| CTBC BANK (PHILIPPINES) CORP | 427,998,126.17 | 7,097,828,768.53 | 6.03% |
| ALLBANK (A THRIFT BANK) INC | 53,131,404.08 | 903,007,636.97 | 5.88% |
| BANK OF THE PHIL ISLANDS | 9,657,461,045.03 | 174,856,293,663.35 | 5.52% |
| HONGKONG & SHANGHAI BANKING CORP | 745,759,554.02 | 13,895,030,853.83 | 5.37% |
| CHINA BANKING CORP | 4,034,201,792.60 | 75,949,384,511.58 | 5.31% |
| CITIBANK, N.A. | 886,570,461.17 | 17,519,765,588.91 | 5.06% |
| PACIFIC ACE SAVINGS BANK INC | 3,359,285.69 | 74,249,704.16 | 4.52% |
| PHIL TRUST COMPANY | 1,121,366,905.75 | 25,015,724,609.18 | 4.48% |
| RIZAL COMM'L BANKING CORP | 2,738,199,180.71 | 64,861,968,770.74 | 4.22% |
| BANGKO KABAYAN INC (A PRIVATE DEVELOPMENT BANK) | 19,285,872.47 | 477,480,991.72 | 4.04% |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 24,547,464.17 | 652,183,207.72 | 3.76% |
| BATAAN SAVINGS AND LOAN BANK | 2,089,556.31 | 57,340,856.43 | 3.64% |
| CENTURY SAVINGS BANK CORPORATION | 35,040,627.61 | 986,255,355.88 | 3.55% |
| MERCHANTS SAVINGS & LOAN ASSN INC | 21,944,310.69 | 619,980,068.95 | 3.54% |
| METROPOLITAN BANK & TCO | 6,115,557,253.03 | 199,943,990,930.40 | 3.06% |
| HSBC SAVINGS BANK(PHILS) INC | 51,109,354.88 | 1,894,764,577.93 | 2.70% |
| SECURITY BANK CORP | 2,178,978,925.78 | 101,502,917,257.72 | 2.15% |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 5,222,336.47 | 260,731,005.77 | 2.00% |
| KEB HANA BANK - MANILA BRANCH | 28,131,704.26 | 1,636,435,622.34 | 1.72% |
| BANGKOK BANK PUBLIC CO LTD | 35,377,890.77 | 3,145,339,339.96 | 1.12% |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 519,588.36 | 58,492,054.63 | 0.89% |
| ING BANK N.V. | 103.63 | 2,457,969,000.41 | 0.00% |
| BANK OF AMERICA N.A. | 0.00 | 2,091,322,952.20 | 0.00% |
| BDO PRIVATE BANK, INC. | 0.00 | 5,251,554,616.09 | 0.00% |
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | 0.00 | 2,131,959,607.41 | 0.00% |
| DEUTSCHE BANK AG | 0.00 | 2,531,311,509.69 | 0.00% |
| FIRST COMMERCIAL BANK LTD MANILA BRANCH | 0.00 | 2,024,021,798.12 | 0.00% |
| HUA NAN COMMERCIAL BANK LTD MANILA BRANCH | 0.00 | 2,081,351,164.93 | 0.00% |
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | 0.00 | 2,271,224,385.43 | 0.00% |
| ISLA BANK(A THRIFT BANK) INC | 0.00 | 675,385,523.04 | 0.00% |
| JP MORGAN CHASE BANK NATIONAL ASSN. | 0.00 | 1,304,593,848.06 | 0.00% |
| MEGA INT'L COMM'L BANK CO LTD | 0.00 | 1,856,041,660.71 | 0.00% |
| MIZUHO BANK LTD - MANILA BRANCH | 0.00 | 5,512,796,843.22 | 0.00% |
| SHINHAN BANK - MANILA BRANCH | 0.00 | 2,208,080,775.75 | 0.00% |
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | 0.00 | 12,836,854,089.47 | 0.00% |
| THE BNK OF TOKYO-MITSUBISHI UFJ LTD | 0.00 | 4,653,117,496.08 | 0.00% |
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | 0.00 | 2,346,970,697.12 | 0.00% |
| Grand Total | 145,936,822,530.97 | 1,648,695,424,715.78 | 8.85% |
Of the 100 banks
in this list, twenty-three banks have a Gross NPL to Stockholders
Equity Ratio of 30% or more as of September 30, 2017. These banks are as
follows:
- Philippine Postal Savings Bank (274.99% of SE)
- World Partners Bank (254.53% of SE)
- Equicom Savings Bank (95.03% of SE)
- Luzon Development Bank (89.56% of SE)
- Enterprise Bank (76.99% of SE)
- Maritime Savings Bank Corporation (63.04% of SE)
- Legazpi Savings Bank (59.58% of SE)
- Philippine Veterans Bank (53.84% of SE)
- UCPB Savings Bank (48.99% of SE)
- Northpoint Development Bank (47.86% of SE)
- The Palawan Bank (46.41% of SE)
- China Bank Savings (45.79% of SE)
- Philippine Resources Savings Banking Corporation (44.83% of SE)
- RCBC Savings Bank (42.78% of SE)
- Village Bank Inc (41.59% of SE)
- Standard Chartered Bank (39.74% of SE)
- Penbank Inc (38.67% of SE)
- Sterling Bank of Asia (38.24% of SE)
- Malayan Bank Savings and Mortgage Bank (37.01% of SE)
- Pampanga Development Bank (35.07% of SE)
- 1st Valley Bank Inc (33.03% of SE)
- Bank of Makati (32.42% of SE)
- Malasiqui Progressive SLB, Inc. (31.54% of SE)
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