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 September 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 138.02 billion as of December 31, 2017 - approximately 1.58% of the Philippine Banking Industry's Total Loan Portfolio of Php 8.73 trillion.
| Philippine Banking System | |||
| NPL as % of TLP | |||
| December 31, 2017 | |||
| Gross NPL/ Gross TLP | |||
| Bank | Gross NPLs | Gross TLP | (In %) |
| MAXIMUM SAVINGS BANK INC | 9,301,471.34 | 12,261,436.83 | 75.86% |
| PHIL STAR DEVELOPMENT BANK INC | 13,618,385.28 | 23,858,496.29 | 57.08% |
| PHIL POSTAL SAVINGS BANK INC | 2,573,636,133.05 | 5,198,964,234.61 | 49.50% |
| MALASIQUI PROGRESSIVE SLB, INC | 15,625,906.59 | 39,327,642.08 | 39.73% |
| UNIVERSITY SAVINGS BANK INC | 143,068,589.00 | 471,577,575.89 | 30.34% |
| NORTHPOINT DEV'T BANK INC | 135,617,693.05 | 453,969,831.51 | 29.87% |
| MARITIME SAVINGS BANK CORPORATION | 23,615,730.12 | 116,465,682.85 | 20.28% |
| YUANTA SAVINGS BANK PHILIPPINES INC | 111,281,975.24 | 562,447,462.39 | 19.79% |
| LEGAZPI SAVINGS BANK INC | 331,930,878.48 | 1,757,567,652.33 | 18.89% |
| LUZON DEVELOPMENT BANK | 572,886,788.42 | 3,555,619,201.27 | 16.11% |
| LIFE SAVINGS BANK INC | 7,323,871.50 | 47,615,911.33 | 15.38% |
| HIYAS BANKING CORPORATION | 39,024,897.61 | 269,795,964.37 | 14.46% |
| BATAAN DEVELOPMENT BANK | 27,105,889.48 | 190,427,303.87 | 14.23% |
| ENTERPRISE BANK INC (A THRIFT BANK) | 236,780,337.30 | 1,690,869,890.94 | 14.00% |
| PAMPANGA DEVELOPMENT BANK | 51,370,076.92 | 378,461,155.83 | 13.57% |
| UCPB SAVINGS BANK | 1,805,224,708.69 | 15,287,410,552.04 | 11.81% |
| EQUICOM SAVINGS BANK INC | 581,351,331.19 | 5,469,854,661.55 | 10.63% |
| PHILIPPINE VETERANS BANK | 1,940,400,491.73 | 18,991,915,993.92 | 10.22% |
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS | 1,041,502,843.18 | 10,236,698,272.76 | 10.17% |
| CITYSTATE SAVINGS BANK INC | 193,352,128.38 | 1,955,696,048.15 | 9.89% |
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 524,483,848.57 | 5,545,383,174.52 | 9.46% |
| METRO CEBU PUBLIC SAVINGS BANK | 9,340,189.11 | 100,186,688.67 | 9.32% |
| BPI DIRECT BANKO INC A SAVINGS BANK | 445,658,466.00 | 4,805,888,728.04 | 9.27% |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 159,948,202.14 | 1,762,599,044.40 | 9.07% |
| BANK OF MAKATI (A SAVINGS BANK) INC | 2,112,966,067.15 | 23,379,505,360.36 | 9.04% |
| FARMERS SAVINGS & LOAN BANK INC | 18,781,070.83 | 219,057,952.05 | 8.57% |
| MALAYAN BANK SAVINGS AND MORT BANK INC | 382,510,294.71 | 4,665,373,484.66 | 8.20% |
| THE PALAWAN BANK (PALAWAN DB) INC | 20,627,309.35 | 272,272,875.52 | 7.58% |
| STANDARD CHARTERED BANK | 2,621,936,475.60 | 36,251,787,258.89 | 7.23% |
| CORDILLERA SAVINGS BANK INC | 13,111,997.34 | 193,549,638.87 | 6.77% |
| DUMAGUETE CITY DEV BANK INC | 37,947,396.83 | 566,690,105.56 | 6.70% |
| CHINA BANK SAVINGS INC | 3,926,539,784.17 | 64,643,959,926.83 | 6.07% |
| RCBC SAVINGS BANK INC | 4,434,141,000.56 | 84,145,572,088.92 | 5.27% |
| BUSINESS AND CONSUMERS BANK (A DB) | 8,282,870.65 | 160,107,332.73 | 5.17% |
| WEALTH DEVELOPMENT BANK CORPORATION | 355,586,153.21 | 6,912,634,080.70 | 5.14% |
| LEMERY SAVINGS & LOAN BANK, INC. | 4,270,287.78 | 87,978,770.09 | 4.85% |
| CENTURY SAVINGS BANK CORPORATION | 35,875,505.12 | 778,828,053.49 | 4.61% |
| PHIL BANK OF COMMUNICATIONS | 2,188,900,338.08 | 49,544,603,393.20 | 4.42% |
| EAST WEST BANKING CORP | 9,194,973,447.66 | 209,759,096,474.62 | 4.38% |
| BANK ONE SAVINGS AND TRUST CORP. | 49,944,276.09 | 1,196,206,671.14 | 4.18% |
| CITY SAVINGS BANK INC | 2,547,279,274.47 | 66,909,698,638.55 | 3.81% |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 1,109,957,042.55 | 29,634,834,745.04 | 3.75% |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 2,606,502.67 | 69,722,420.35 | 3.74% |
| PNB SAVINGS BANK | 1,668,304,338.01 | 45,127,568,768.07 | 3.70% |
| UNION BANK OF THE PHILS | 7,919,233,625.67 | 220,222,446,935.23 | 3.60% |
| BPI FAMILY SAVINGS BANK INC | 7,510,125,483.03 | 213,038,220,759.99 | 3.53% |
| ALLBANK (A THRIFT BANK) INC | 63,415,045.83 | 1,940,436,742.07 | 3.27% |
| FIRST CONSOLIDATED BANK INC (A PDB) | 386,608,203.74 | 11,850,245,239.88 | 3.26% |
| PHIL SAVINGS BANK | 4,770,532,359.83 | 148,184,807,646.02 | 3.22% |
| PACIFIC ACE SAVINGS BANK INC | 723,612.00 | 23,001,261.00 | 3.15% |
| BANK OF COMMERCE | 1,905,183,563.38 | 68,209,378,624.91 | 2.79% |
| UNITED COCONUT PLANTERS BANK | 4,260,495,688.39 | 157,054,762,332.17 | 2.71% |
| SUN SAVINGS BANK INC | 27,575,519.66 | 1,039,358,886.31 | 2.65% |
| PHIL TRUST COMPANY | 1,235,274,115.70 | 48,802,019,296.70 | 2.53% |
| MERCHANTS SAVINGS & LOAN ASSN INC | 24,490,163.18 | 1,068,340,051.01 | 2.29% |
| PRODUCERS SAVINGS BANK CORPORATION | 235,827,682.71 | 11,078,447,959.21 | 2.13% |
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 1,508,538,115.21 | 71,820,787,305.03 | 2.10% |
| MAYBANK PHILIPPINES INCORPORATED | 1,505,097,676.36 | 73,466,177,798.08 | 2.05% |
| PHIL NATIONAL BANK | 9,026,087,102.44 | 448,145,282,342.91 | 2.01% |
| DEVELOPMENT BANK OF THE PHIL | 5,910,318,428.03 | 293,472,268,297.32 | 2.01% |
| CARD SME BANK INC A THRIFT BANK | 76,379,195.49 | 4,006,726,996.82 | 1.91% |
| HSBC SAVINGS BANK(PHILS) INC | 58,497,575.68 | 3,079,293,607.39 | 1.90% |
| INTER-ASIA DEVELOPMENT BANK | 3,697,216.26 | 219,186,882.38 | 1.69% |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 21,531,439.74 | 1,658,802,869.50 | 1.30% |
| ROBINSONS BANK CORPORATION | 764,981,621.23 | 59,450,899,441.25 | 1.29% |
| CTBC BANK (PHILIPPINES) CORP | 402,002,888.64 | 32,101,403,440.39 | 1.25% |
| HONGKONG & SHANGHAI BANKING CORP | 716,358,593.37 | 68,281,724,586.13 | 1.05% |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 4,726,959.53 | 450,854,240.68 | 1.05% |
| RIZAL COMM'L BANKING CORP | 2,850,646,633.56 | 272,104,211,932.58 | 1.05% |
| BANGKO KABAYAN INC (A PRIVATE DEVELOPMENT BANK) | 17,218,615.00 | 1,677,028,726.17 | 1.03% |
| ASIA UNITED BANK CORPORATION | 1,305,313,160.92 | 132,348,397,838.59 | 0.99% |
| LAND BANK OF THE PHILIPPINES | 6,599,423,137.92 | 674,353,264,923.88 | 0.98% |
| BDO UNIBANK INC | 17,044,080,200.52 | 1,743,923,345,525.46 | 0.98% |
| BANK OF THE PHIL ISLANDS | 8,072,907,030.81 | 1,007,246,799,827.38 | 0.80% |
| CHINA BANKING CORP | 2,923,249,111.15 | 407,502,702,756.47 | 0.72% |
| METROPOLITAN BANK & TCO | 6,019,807,187.46 | 1,021,564,496,973.92 | 0.59% |
| SECURITY BANK CORP | 2,126,420,967.47 | 372,291,931,741.06 | 0.57% |
| BANGKOK BANK PUBLIC CO LTD | 32,996,077.60 | 5,786,996,476.44 | 0.57% |
| CITIBANK, N.A. | 932,256,279.91 | 211,330,388,200.94 | 0.44% |
| KEB HANA BANK - MANILA BRANCH | 28,043,200.72 | 6,721,785,797.17 | 0.42% |
| ING BANK N.V. | 101.86 | 10,106,256,421.67 | 0.00% |
| AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED | 0.00 | 17,628,357,049.33 | 0.00% |
| BANK OF AMERICA N.A. | 0.00 | 10,144,085,779.05 | 0.00% |
| BANK OF CHINA LIMITED-MANILA BRANCH | 0.00 | 12,672,319,415.31 | 0.00% |
| BDO PRIVATE BANK, INC. | 0.00 | 7,997,195,349.97 | 0.00% |
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | 0.00 | 1,302,620,247.74 | 0.00% |
| DEUTSCHE BANK AG | 0.00 | 23,658,822,226.66 | 0.00% |
| FIRST COMMERCIAL BANK LTD MANILA BRANCH | 0.00 | 253,191,087.00 | 0.00% |
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | 0.00 | 1,650,060,851.82 | 0.00% |
| ISLA BANK(A THRIFT BANK) INC | 0.00 | 598,294,827.52 | 0.00% |
| JP MORGAN CHASE BANK NATIONAL ASSN. | 0.00 | 21,005,525,749.48 | 0.00% |
| MEGA INT'L COMM'L BANK CO LTD | 0.00 | 10,569,704,018.82 | 0.00% |
| MIZUHO BANK LTD - MANILA BRANCH | 0.00 | 61,861,937,320.48 | 0.00% |
| SHINHAN BANK - MANILA BRANCH | 0.00 | 1,267,315,339.15 | 0.00% |
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | 0.00 | 14,579,174,599.81 | 0.00% |
| THE BNK OF TOKYO-MITSUBISHI UFJ LTD | 0.00 | 31,466,693,437.28 | 0.00% |
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | 0.00 | 1,536,003,429.00 | 0.00% |
| HUA NAN COMMERCIAL BANK LTD MANILA BRANCH | 0.00 | 0.00 | NA |
| Grand Total | 138,018,055,845.20 | 8,727,257,692,058.61 | 1.58% |
There are six Philippine Banks with a Gross NPL Ratio greater than 25.00% of Total Loan Portfolio (TLP). These are as follows:
- Maximum Savings Bank Inc (75.86% of TLP)
- Philippine Star Development Bank Inc (57.08% of TLP)
- Philippine Postal Savings Bank Inc (49.50% of TLP)
- Malasiqui Progressive SLB Inc (39.73% of TLP)
- University Savings Bank Inc (30.34% of TLP}
- Northpoint Development Bank Inc (29.87% 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 8.28% of Stockholders Equity as of December 31, 2017.
| Philippine Banking System | |||
| NPL as % of SE | |||
| December 31, 2017 | |||
| NPL | SE | NPL/SE | |
| Bank | (In PHP) | (In PHP) | (In %) |
| PHIL POSTAL SAVINGS BANK INC | 2,573,636,133.05 | 842,001,759.20 | 305.66% |
| ENTERPRISE BANK INC (A THRIFT BANK) | 236,780,337.30 | 253,723,993.77 | 93.32% |
| LUZON DEVELOPMENT BANK | 572,886,788.42 | 656,264,864.47 | 87.30% |
| EQUICOM SAVINGS BANK INC | 581,351,331.19 | 713,200,459.81 | 81.51% |
| THE PALAWAN BANK (PALAWAN DB) INC | 20,627,309.35 | 28,282,539.35 | 72.93% |
| UCPB SAVINGS BANK | 1,805,224,708.69 | 2,527,615,670.22 | 71.42% |
| MARITIME SAVINGS BANK CORPORATION | 23,615,730.12 | 37,729,273.64 | 62.59% |
| LEGAZPI SAVINGS BANK INC | 331,930,878.48 | 540,799,646.86 | 61.38% |
| PHILIPPINE VETERANS BANK | 1,940,400,491.73 | 3,268,708,856.38 | 59.36% |
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS | 1,041,502,843.18 | 2,369,540,365.73 | 43.95% |
| CHINA BANK SAVINGS INC | 3,926,539,784.17 | 9,101,933,064.11 | 43.14% |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 1,109,957,042.55 | 2,659,580,815.51 | 41.73% |
| STANDARD CHARTERED BANK | 2,621,936,475.60 | 6,461,203,931.41 | 40.58% |
| NORTHPOINT DEV'T BANK INC | 135,617,693.05 | 356,004,174.33 | 38.09% |
| RCBC SAVINGS BANK INC | 4,434,141,000.56 | 11,784,171,179.05 | 37.63% |
| UNIVERSITY SAVINGS BANK INC | 143,068,589.00 | 411,771,626.31 | 34.74% |
| PAMPANGA DEVELOPMENT BANK | 51,370,076.92 | 149,769,025.42 | 34.30% |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 159,948,202.14 | 492,890,065.48 | 32.45% |
| MALAYAN BANK SAVINGS AND MORT BANK INC | 382,510,294.71 | 1,188,581,878.15 | 32.18% |
| BATAAN DEVELOPMENT BANK | 27,105,889.48 | 84,544,777.01 | 32.06% |
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 524,483,848.57 | 1,664,199,472.79 | 31.52% |
| MALASIQUI PROGRESSIVE SLB, INC | 15,625,906.59 | 50,662,752.00 | 30.84% |
| BANK OF MAKATI (A SAVINGS BANK) INC | 2,112,966,067.15 | 7,227,534,095.53 | 29.23% |
| BPI FAMILY SAVINGS BANK INC | 7,510,125,483.03 | 26,687,511,311.24 | 28.14% |
| CITYSTATE SAVINGS BANK INC | 193,352,128.38 | 697,461,737.09 | 27.72% |
| UNITED COCONUT PLANTERS BANK | 4,260,495,688.39 | 17,397,558,815.10 | 24.49% |
| WEALTH DEVELOPMENT BANK CORPORATION | 355,586,153.21 | 1,467,571,253.00 | 24.23% |
| EAST WEST BANKING CORP | 9,194,973,447.66 | 38,620,925,589.08 | 23.81% |
| PHIL SAVINGS BANK | 4,770,532,359.83 | 20,897,738,257.41 | 22.83% |
| HIYAS BANKING CORPORATION | 39,024,897.61 | 171,657,550.61 | 22.73% |
| BPI DIRECT BANKO INC A SAVINGS BANK | 445,658,466.00 | 2,047,202,631.66 | 21.77% |
| CITY SAVINGS BANK INC | 2,547,279,274.47 | 13,744,848,979.28 | 18.53% |
| PHIL BANK OF COMMUNICATIONS | 2,188,900,338.08 | 12,009,314,825.58 | 18.23% |
| METRO CEBU PUBLIC SAVINGS BANK | 9,340,189.11 | 57,052,632.86 | 16.37% |
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 1,508,538,115.21 | 10,187,187,378.11 | 14.81% |
| MAXIMUM SAVINGS BANK INC | 9,301,471.34 | 64,034,475.98 | 14.53% |
| PNB SAVINGS BANK | 1,668,304,338.01 | 11,503,184,041.59 | 14.50% |
| PHIL STAR DEVELOPMENT BANK INC | 13,618,385.28 | 96,350,953.22 | 14.13% |
| FARMERS SAVINGS & LOAN BANK INC | 18,781,070.83 | 132,992,180.75 | 14.12% |
| DUMAGUETE CITY DEV BANK INC | 37,947,396.83 | 284,250,949.11 | 13.35% |
| PRODUCERS SAVINGS BANK CORPORATION | 235,827,682.71 | 1,774,145,221.80 | 13.29% |
| DEVELOPMENT BANK OF THE PHIL | 5,910,318,428.03 | 46,947,591,646.19 | 12.59% |
| BANK OF COMMERCE | 1,905,183,563.38 | 15,746,839,708.73 | 12.10% |
| SUN SAVINGS BANK INC | 27,575,519.66 | 232,213,068.73 | 11.88% |
| YUANTA SAVINGS BANK PHILIPPINES INC | 111,281,975.24 | 942,387,007.15 | 11.81% |
| UNION BANK OF THE PHILS | 7,919,233,625.67 | 67,773,383,482.01 | 11.68% |
| MAYBANK PHILIPPINES INCORPORATED | 1,505,097,676.36 | 12,948,139,648.57 | 11.62% |
| LIFE SAVINGS BANK INC | 7,323,871.50 | 70,816,478.86 | 10.34% |
| BUSINESS AND CONSUMERS BANK (A DB) | 8,282,870.65 | 86,584,808.97 | 9.57% |
| CORDILLERA SAVINGS BANK INC | 13,111,997.34 | 137,391,858.98 | 9.54% |
| FIRST CONSOLIDATED BANK INC (A PDB) | 386,608,203.74 | 4,316,778,086.78 | 8.96% |
| BANK ONE SAVINGS AND TRUST CORP. | 49,944,276.09 | 590,489,801.54 | 8.46% |
| CARD SME BANK INC A THRIFT BANK | 76,379,195.49 | 920,636,294.74 | 8.30% |
| PHIL NATIONAL BANK | 9,026,087,102.44 | 108,897,226,069.70 | 8.29% |
| ROBINSONS BANK CORPORATION | 764,981,621.23 | 12,112,890,535.89 | 6.32% |
| LAND BANK OF THE PHILIPPINES | 6,599,423,137.92 | 104,596,154,345.94 | 6.31% |
| ALLBANK (A THRIFT BANK) INC | 63,415,045.83 | 1,020,711,669.47 | 6.21% |
| BDO UNIBANK INC | 17,044,080,200.52 | 297,368,799,872.86 | 5.73% |
| CTBC BANK (PHILIPPINES) CORP | 402,002,888.64 | 7,033,338,397.85 | 5.72% |
| INTER-ASIA DEVELOPMENT BANK | 3,697,216.26 | 66,225,979.07 | 5.58% |
| PHIL TRUST COMPANY | 1,235,274,115.70 | 23,979,055,109.03 | 5.15% |
| CITIBANK, N.A. | 932,256,279.91 | 18,544,182,580.79 | 5.03% |
| LEMERY SAVINGS & LOAN BANK, INC. | 4,270,287.78 | 85,354,098.57 | 5.00% |
| HONGKONG & SHANGHAI BANKING CORP | 716,358,593.37 | 14,676,887,638.06 | 4.88% |
| ASIA UNITED BANK CORPORATION | 1,305,313,160.92 | 26,881,201,566.71 | 4.86% |
| BANK OF THE PHIL ISLANDS | 8,072,907,030.81 | 176,842,048,187.50 | 4.57% |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 2,606,502.67 | 58,963,045.16 | 4.42% |
| RIZAL COMM'L BANKING CORP | 2,850,646,633.56 | 66,891,627,479.35 | 4.26% |
| MERCHANTS SAVINGS & LOAN ASSN INC | 24,490,163.18 | 613,220,402.50 | 3.99% |
| CHINA BANKING CORP | 2,923,249,111.15 | 77,160,827,684.31 | 3.79% |
| CENTURY SAVINGS BANK CORPORATION | 35,875,505.12 | 987,110,507.14 | 3.63% |
| BANGKO KABAYAN INC (A PRIVATE DEVELOPMENT BANK) | 17,218,615.00 | 486,359,819.88 | 3.54% |
| HSBC SAVINGS BANK(PHILS) INC | 58,497,575.68 | 1,655,388,144.52 | 3.53% |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 21,531,439.74 | 654,541,579.78 | 3.29% |
| METROPOLITAN BANK & TCO | 6,019,807,187.46 | 196,170,793,389.04 | 3.07% |
| SECURITY BANK CORP | 2,126,420,967.47 | 103,433,294,420.92 | 2.06% |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 4,726,959.53 | 243,855,237.24 | 1.94% |
| KEB HANA BANK - MANILA BRANCH | 28,043,200.72 | 1,675,545,705.46 | 1.67% |
| BANGKOK BANK PUBLIC CO LTD | 32,996,077.60 | 3,173,866,408.07 | 1.04% |
| PACIFIC ACE SAVINGS BANK INC | 723,612.00 | 74,525,853.83 | 0.97% |
| ING BANK N.V. | 101.86 | 2,614,800,005.89 | 0.00% |
| AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED | 0.00 | 4,186,671,243.23 | 0.00% |
| BANK OF AMERICA N.A. | 0.00 | 2,096,035,697.20 | 0.00% |
| BANK OF CHINA LIMITED-MANILA BRANCH | 0.00 | 2,599,040,906.95 | 0.00% |
| BDO PRIVATE BANK, INC. | 0.00 | 5,348,567,459.72 | 0.00% |
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | 0.00 | 2,121,743,141.73 | 0.00% |
| DEUTSCHE BANK AG | 0.00 | 2,455,572,028.55 | 0.00% |
| FIRST COMMERCIAL BANK LTD MANILA BRANCH | 0.00 | 2,021,320,878.22 | 0.00% |
| HUA NAN COMMERCIAL BANK LTD MANILA BRANCH | 0.00 | 2,069,461,976.42 | 0.00% |
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | 0.00 | 2,294,253,435.17 | 0.00% |
| ISLA BANK(A THRIFT BANK) INC | 0.00 | 680,167,573.92 | 0.00% |
| JP MORGAN CHASE BANK NATIONAL ASSN. | 0.00 | 1,340,894,840.65 | 0.00% |
| MEGA INT'L COMM'L BANK CO LTD | 0.00 | 1,916,692,903.11 | 0.00% |
| MIZUHO BANK LTD - MANILA BRANCH | 0.00 | 5,465,333,964.66 | 0.00% |
| SHINHAN BANK - MANILA BRANCH | 0.00 | 2,210,389,217.63 | 0.00% |
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | 0.00 | 12,852,741,885.32 | 0.00% |
| THE BNK OF TOKYO-MITSUBISHI UFJ LTD | 0.00 | 4,665,723,811.53 | 0.00% |
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | 0.00 | 2,340,838,059.36 | 0.00% |
| Grand Total | 138,018,055,845.20 | 1,666,089,199,719.15 | 8.28% |
Of the 98 banks in this list, twenty-two banks have a Gross NPL to Stockholders Equity Ratio of 30% or more as of December 31, 2017. These banks are as follows:
- Philippine Postal Savings Bank Inc (305.66% of SE)
- Enterprise Bank Inc (93.32% of SE)
- Luzon Development Bank (87.30% of SE)
- Equicom Savings Bank Inc (81.51% of SE)
- The Palawan Bank Inc (79.23% of SE)
- UCPB Savings Bank (71.42% of SE)
- Maritime Savings Bank Corporation (62.59% of SE)
- Legazpi Savings Bank (61.38% of SE)
- Philippine Veterans Bank (59.36% of SE)
- Philippine Resources Savings Banking Corporation (43.95% of SE)
- China Bank Savings Inc (43.14% of SE)
- Sterling Bank of Asia Inc (41.73% of SE)
- Standard Chartered Bank (40.58% of SE)
- Northpoint Development Bank Inc (38.09% of SE)
- RCBC Savings Bank Inc (37.63% of SE)
- University Savings Bank Inc (34.74% of SE)
- Pampanga Development Bank (34.30% of SE)
- Penbank Inc (32.45% of SE)
- Malayan Bank Savings and Mortgage Bank Inc (32.18% of SE)
- Bataan Development Bank (32.06% of SE)
- 1st Valley Bank Inc (31.52% of SE)
- Malasiqui Progressive SLB Inc (30.84% of SE)
Source: www.bsp.gov.ph
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