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 December 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 146.70 billion as of March 31, 2018 - approximately 1.68% of the Philippine Banking Industry's Total Loan Portfolio of Php 8.89 trillion.
| Philippine Banking System | |||
| NPL as % of TLP | |||
| March 31, 2018 | |||
| Gross NPL/ Gross TLP | |||
| Bank | Gross NPLs | Gross TLP | (In %) |
| MALASIQUI PROGRESSIVE SLB, INC | 18,193,736.59 | 37,649,168.25 | 48.32% |
| OVERSEAS FILIPINO BANK INC A SAVINGS BANK OF LANDBANK | 2,372,036,167.05 | 4,997,588,647.97 | 47.46% |
| PHIL STAR DEVELOPMENT BANK INC | 13,483,385.28 | 33,497,734.93 | 40.25% |
| LEGAZPI SAVINGS BANK INC | 329,579,647.69 | 1,246,664,436.92 | 26.44% |
| NORTHPOINT DEV'T BANK INC | 117,143,695.58 | 463,936,448.00 | 25.25% |
| UNIVERSITY SAVINGS BANK INC | 92,295,812.86 | 400,064,055.35 | 23.07% |
| MAXIMUM SAVINGS BANK INC | 10,342,264.54 | 45,418,715.79 | 22.77% |
| ENTERPRISE BANK INC (A THRIFT BANK) | 372,014,404.47 | 1,691,603,144.43 | 21.99% |
| YUANTA SAVINGS BANK PHILIPPINES INC | 113,530,881.58 | 531,396,842.55 | 21.36% |
| PAMPANGA DEVELOPMENT BANK | 69,353,372.83 | 377,544,474.70 | 18.37% |
| HIYAS BANKING CORPORATION | 37,495,017.41 | 271,051,418.54 | 13.83% |
| BATAAN DEVELOPMENT BANK | 24,676,967.70 | 197,615,749.81 | 12.49% |
| LIFE SAVINGS BANK INC | 5,501,639.71 | 45,630,225.30 | 12.06% |
| LUZON DEVELOPMENT BANK | 416,440,693.84 | 3,461,551,366.28 | 12.03% |
| BPI DIRECT BANKO INC A SAVINGS BANK | 954,911,331.10 | 8,467,274,911.50 | 11.28% |
| UCPB SAVINGS BANK | 1,745,232,594.64 | 15,827,783,050.08 | 11.03% |
| PHILIPPINE VETERANS BANK | 2,181,098,696.83 | 20,010,055,011.42 | 10.90% |
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS | 1,062,566,562.48 | 10,092,308,403.84 | 10.53% |
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 588,001,638.40 | 5,615,140,528.14 | 10.47% |
| PACIFIC ACE SAVINGS BANK INC | 2,984,850.00 | 28,656,513.00 | 10.42% |
| EQUICOM SAVINGS BANK INC | 611,032,784.07 | 5,912,075,520.82 | 10.34% |
| MALAYAN BANK SAVINGS AND MORT BANK INC | 406,014,848.11 | 4,430,968,039.28 | 9.16% |
| CITYSTATE SAVINGS BANK INC | 185,543,258.69 | 2,098,873,376.30 | 8.84% |
| BANK OF MAKATI (A SAVINGS BANK) INC | 2,121,239,215.17 | 24,723,560,622.78 | 8.58% |
| FARMERS SAVINGS & LOAN BANK INC | 18,191,139.09 | 214,967,114.08 | 8.46% |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 145,138,725.50 | 1,745,219,551.12 | 8.32% |
| STANDARD CHARTERED BANK | 2,628,789,265.43 | 35,509,698,802.38 | 7.40% |
| THE PALAWAN BANK (PALAWAN DB) INC | 19,228,837.97 | 274,078,355.30 | 7.02% |
| ALLBANK (A THRIFT BANK) INC | 134,213,404.65 | 1,918,267,784.97 | 7.00% |
| CORDILLERA SAVINGS BANK INC | 13,442,527.92 | 197,258,543.02 | 6.81% |
| METRO CEBU PUBLIC SAVINGS BANK | 9,340,189.11 | 138,442,344.22 | 6.75% |
| FIRST CONSOLIDATED BANK INC (A PDB) | 705,237,796.65 | 10,860,379,024.20 | 6.49% |
| MERCHANTS SAVINGS & LOAN ASSN INC | 67,454,694.49 | 1,100,985,341.72 | 6.13% |
| MERCHANTS SAVINGS & LOAN ASSN INC | 67,454,694.49 | 1,100,985,341.72 | 6.13% |
| BUSINESS AND CONSUMERS BANK (A DB) | 9,756,926.51 | 162,885,914.43 | 5.99% |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 1,699,159,473.33 | 28,739,354,925.43 | 5.91% |
| WEALTH DEVELOPMENT BANK CORPORATION | 412,713,639.62 | 7,029,985,548.76 | 5.87% |
| CHINA BANK SAVINGS INC | 3,790,269,728.70 | 64,759,949,759.08 | 5.85% |
| RCBC SAVINGS BANK INC | 4,109,016,585.20 | 84,527,653,225.99 | 4.86% |
| BPI FAMILY SAVINGS BANK INC | 9,790,467,131.53 | 216,567,832,000.87 | 4.52% |
| EAST WEST BANKING CORP | 8,930,351,011.28 | 198,418,976,247.90 | 4.50% |
| PNB SAVINGS BANK | 2,124,019,395.12 | 48,130,815,518.83 | 4.41% |
| PHIL BANK OF COMMUNICATIONS | 2,360,805,236.87 | 53,581,934,854.62 | 4.41% |
| BANK ONE SAVINGS CORPORATION | 49,944,276.09 | 1,219,065,530.04 | 4.10% |
| CITY SAVINGS BANK INC | 2,301,306,789.86 | 57,983,098,538.23 | 3.97% |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 2,606,066.55 | 70,515,172.15 | 3.70% |
| PHIL SAVINGS BANK | 5,252,790,829.40 | 149,165,225,748.55 | 3.52% |
| PRODUCERS SAVINGS BANK CORPORATION | 353,037,002.05 | 10,516,333,981.50 | 3.36% |
| DUMAGUETE CITY DEV BANK INC | 17,922,228.25 | 548,737,602.39 | 3.27% |
| UNITED COCONUT PLANTERS BANK | 5,128,033,818.99 | 159,677,909,819.72 | 3.21% |
| UNION BANK OF THE PHILS | 7,464,200,947.49 | 245,961,938,465.86 | 3.03% |
| INTER-ASIA DEVELOPMENT BANK | 6,176,468.45 | 203,726,032.38 | 3.03% |
| BANK OF COMMERCE | 1,714,905,631.27 | 64,713,113,404.29 | 2.65% |
| LEMERY SAVINGS & LOAN BANK, INC. | 1,981,724.21 | 79,142,464.34 | 2.50% |
| PHIL TRUST COMPANY | 1,277,448,244.94 | 51,085,957,438.33 | 2.50% |
| ASIA UNITED BANK CORPORATION | 3,026,033,955.52 | 129,308,187,733.29 | 2.34% |
| CARD SME BANK INC A THRIFT BANK | 88,020,494.62 | 3,798,744,157.07 | 2.32% |
| MAYBANK PHILIPPINES INCORPORATED | 1,654,606,707.98 | 73,104,819,383.28 | 2.26% |
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 1,686,555,957.00 | 75,254,361,459.10 | 2.24% |
| CENTURY SAVINGS BANK CORPORATION | 16,544,659.57 | 741,131,011.26 | 2.23% |
| DEVELOPMENT BANK OF THE PHIL | 6,314,041,316.18 | 300,046,948,913.61 | 2.10% |
| PHIL NATIONAL BANK | 8,679,744,711.60 | 448,892,491,256.15 | 1.93% |
| SUN SAVINGS BANK INC | 17,732,744.36 | 1,007,358,714.18 | 1.76% |
| BANGKO KABAYAN INC (A PRIVATE DEVELOPMENT BANK) | 29,307,273.85 | 1,738,839,847.12 | 1.69% |
| CTBC BANK (PHILIPPINES) CORP | 496,282,907.62 | 32,003,609,788.18 | 1.55% |
| HSBC SAVINGS BANK(PHILS) INC | 47,493,373.87 | 3,180,887,686.52 | 1.49% |
| ROBINSONS BANK CORPORATION | 791,070,048.46 | 55,653,609,744.42 | 1.42% |
| RIZAL COMM'L BANKING CORP | 3,569,025,053.26 | 288,000,321,097.91 | 1.24% |
| LAND BANK OF THE PHILIPPINES | 7,976,576,276.23 | 708,105,646,304.78 | 1.13% |
| BANK OF THE PHIL ISLANDS | 9,962,513,455.51 | 1,017,784,548,639.78 | 0.98% |
| HONGKONG & SHANGHAI BANKING CORP | 576,180,886.39 | 58,911,243,926.22 | 0.98% |
| BDO UNIBANK INC | 17,688,078,804.39 | 1,845,080,955,467.83 | 0.96% |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 4,347,508.72 | 503,345,286.11 | 0.86% |
| CHINA BANKING CORP | 2,569,254,055.11 | 385,625,202,187.36 | 0.67% |
| METROPOLITAN BANK & TCO | 6,457,035,907.54 | 1,005,009,788,904.47 | 0.64% |
| SECURITY BANK CORP | 1,962,296,925.07 | 367,703,966,237.24 | 0.53% |
| CITIBANK, N.A. | 928,476,627.31 | 178,672,940,343.25 | 0.52% |
| BANGKOK BANK PUBLIC CO LTD | 30,625,504.25 | 6,753,516,945.04 | 0.45% |
| KEB HANA BANK - MANILA BRANCH | 28,266,209.64 | 7,392,595,428.29 | 0.38% |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 2,578,975.82 | 1,658,524,207.05 | 0.16% |
| ING BANK N.V. | 106.32 | 13,972,864,509.79 | 0.00% |
| AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED | 0.00 | 24,284,413,520.05 | 0.00% |
| BANK OF AMERICA N.A. | 0.00 | 11,764,704,178.10 | 0.00% |
| BANK OF CHINA LIMITED-MANILA BRANCH | 0.00 | 12,626,778,967.38 | 0.00% |
| BDO PRIVATE BANK, INC. | 0.00 | 6,424,833,092.22 | 0.00% |
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | 0.00 | 1,409,976,394.12 | 0.00% |
| DEUTSCHE BANK AG | 0.00 | 30,888,807,589.36 | 0.00% |
| FIRST COMMERCIAL BANK LTD MANILA BRANCH | 0.00 | 583,213,947.00 | 0.00% |
| HUA NAN COMMERCIAL BANK LTD MANILA BRANCH | 0.00 | 13,874,560.00 | 0.00% |
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | 0.00 | 2,388,942,388.35 | 0.00% |
| ISLA BANK(A THRIFT BANK) INC | 0.00 | 845,542,507.72 | 0.00% |
| JP MORGAN CHASE BANK NATIONAL ASSN. | 0.00 | 23,151,909,566.33 | 0.00% |
| MEGA INT'L COMM'L BANK CO LTD | 0.00 | 10,680,948,302.91 | 0.00% |
| MIZUHO BANK LTD - MANILA BRANCH | 0.00 | 56,382,336,543.65 | 0.00% |
| MUFG BANK, LTD. | 0.00 | 33,804,086,500.95 | 0.00% |
| SHINHAN BANK - MANILA BRANCH | 0.00 | 1,894,337,257.00 | 0.00% |
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | 0.00 | 26,487,703,785.94 | 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 | 2,047,454,734.00 | 0.00% |
| Grand Total | 149,058,808,343.82 | 8,894,265,349,254.06 | 1.68% |
There are five Philippine Banks with a Gross NPL Ratio greater than 25.00% of Total Loan Portfolio (TLP). These are as follows:
- Malasiqui Progressive SLB Inc (48.32% of TLP)
- Overseas Filipino Bank Inc (47.46% of TLP)
- Philippine Star Development Bank Inc (40.25% of TLP)
- Legazpi Savings Bank (26.44% of TLP)
- Northpoint Development Bank Inc (25.25% 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 8.58% of Stockholders Equity as of March 31, 2018.
| Philippine Banking System | |||
| NPL as % of SE | |||
| March 31, 2018 | |||
| NPL | SE | NPL/SE | |
| Bank | (In PHP) | (In PHP) | (In %) |
| OVERSEAS FILIPINO BANK INC A SAVINGS BANK OF LANDBANK | 2,372,036,167.05 | 575,283,935.41 | 412.32% |
| ENTERPRISE BANK INC (A THRIFT BANK) | 372,014,404.47 | 256,670,902.62 | 144.94% |
| EQUICOM SAVINGS BANK INC | 611,032,784.07 | 721,342,861.05 | 84.71% |
| LUZON DEVELOPMENT BANK | 416,440,693.84 | 569,392,826.39 | 73.14% |
| UCPB SAVINGS BANK | 1,745,232,594.64 | 2,576,222,533.92 | 67.74% |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 1,699,159,473.33 | 2,617,171,615.23 | 64.92% |
| PHILIPPINE VETERANS BANK | 2,181,098,696.83 | 3,546,686,087.06 | 61.50% |
| LEGAZPI SAVINGS BANK INC | 329,579,647.69 | 543,738,187.58 | 60.61% |
| THE PALAWAN BANK (PALAWAN DB) INC | 19,228,837.97 | 36,601,723.72 | 52.54% |
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS | 1,062,566,562.48 | 2,379,962,205.92 | 44.65% |
| BPI DIRECT BANKO INC A SAVINGS BANK | 954,911,331.10 | 2,153,005,938.46 | 44.35% |
| CHINA BANK SAVINGS INC | 3,790,269,728.70 | 9,053,480,327.13 | 41.87% |
| STANDARD CHARTERED BANK | 2,628,789,265.43 | 6,749,665,879.36 | 38.95% |
| MALASIQUI PROGRESSIVE SLB, INC | 18,193,736.59 | 49,677,187.76 | 36.62% |
| BPI FAMILY SAVINGS BANK INC | 9,790,467,131.53 | 28,023,825,708.56 | 34.94% |
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 588,001,638.40 | 1,709,639,863.89 | 34.39% |
| MALAYAN BANK SAVINGS AND MORT BANK INC | 406,014,848.11 | 1,200,949,700.84 | 33.81% |
| PAMPANGA DEVELOPMENT BANK | 69,353,372.83 | 207,713,272.18 | 33.39% |
| NORTHPOINT DEV'T BANK INC | 117,143,695.58 | 351,178,908.00 | 33.36% |
| RCBC SAVINGS BANK INC | 4,109,016,585.20 | 12,686,760,226.17 | 32.39% |
| UNITED COCONUT PLANTERS BANK | 5,128,033,818.99 | 16,377,078,239.62 | 31.31% |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 145,138,725.50 | 486,118,728.58 | 29.86% |
| BATAAN DEVELOPMENT BANK | 24,676,967.70 | 85,864,003.12 | 28.74% |
| WEALTH DEVELOPMENT BANK CORPORATION | 412,713,639.62 | 1,474,283,674.61 | 27.99% |
| BANK OF MAKATI (A SAVINGS BANK) INC | 2,121,239,215.17 | 7,707,227,776.13 | 27.52% |
| CITYSTATE SAVINGS BANK INC | 185,543,258.69 | 682,120,704.96 | 27.20% |
| PHIL SAVINGS BANK | 5,252,790,829.40 | 21,323,053,833.17 | 24.63% |
| EAST WEST BANKING CORP | 8,930,351,011.28 | 39,693,326,119.10 | 22.50% |
| UNIVERSITY SAVINGS BANK INC | 92,295,812.86 | 412,193,280.50 | 22.39% |
| HIYAS BANKING CORPORATION | 37,495,017.41 | 173,781,047.34 | 21.58% |
| MAXIMUM SAVINGS BANK INC | 10,342,264.54 | 49,297,891.97 | 20.98% |
| MAXIMUM SAVINGS BANK INC | 10,342,264.54 | 49,297,891.97 | 20.98% |
| PRODUCERS SAVINGS BANK CORPORATION | 353,037,002.05 | 1,804,812,249.70 | 19.56% |
| PHIL BANK OF COMMUNICATIONS | 2,360,805,236.87 | 12,193,339,670.16 | 19.36% |
| PNB SAVINGS BANK | 2,124,019,395.12 | 11,656,394,712.00 | 18.22% |
| METRO CEBU PUBLIC SAVINGS BANK | 9,340,189.11 | 54,425,535.71 | 17.16% |
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 1,686,555,957.00 | 10,342,565,339.90 | 16.31% |
| CITY SAVINGS BANK INC | 2,301,306,789.86 | 14,203,775,349.59 | 16.20% |
| FIRST CONSOLIDATED BANK INC (A PDB) | 705,237,796.65 | 4,447,438,408.10 | 15.86% |
| PHIL STAR DEVELOPMENT BANK INC | 13,483,385.28 | 96,549,200.95 | 13.97% |
| FARMERS SAVINGS & LOAN BANK INC | 18,191,139.09 | 132,521,313.38 | 13.73% |
| DEVELOPMENT BANK OF THE PHIL | 6,314,041,316.18 | 47,564,672,250.07 | 13.27% |
| ALLBANK (A THRIFT BANK) INC | 134,213,404.65 | 1,022,343,970.93 | 13.13% |
| MAYBANK PHILIPPINES INCORPORATED | 1,654,606,707.98 | 12,672,853,485.28 | 13.06% |
| YUANTA SAVINGS BANK PHILIPPINES INC | 113,530,881.58 | 922,179,895.91 | 12.31% |
| MERCHANTS SAVINGS & LOAN ASSN INC | 67,454,694.49 | 568,142,385.86 | 11.87% |
| MERCHANTS SAVINGS & LOAN ASSN INC | 67,454,694.49 | 568,142,385.86 | 11.87% |
| BANK OF COMMERCE | 1,714,905,631.27 | 15,421,530,110.54 | 11.12% |
| ASIA UNITED BANK CORPORATION | 3,026,033,955.52 | 27,557,243,684.03 | 10.98% |
| BUSINESS AND CONSUMERS BANK (A DB) | 9,756,926.51 | 88,903,120.67 | 10.97% |
| UNION BANK OF THE PHILS | 7,464,200,947.49 | 68,746,659,791.74 | 10.86% |
| CORDILLERA SAVINGS BANK INC | 13,442,527.92 | 133,007,979.69 | 10.11% |
| INTER-ASIA DEVELOPMENT BANK | 6,176,468.45 | 67,741,101.66 | 9.12% |
| CARD SME BANK INC A THRIFT BANK | 88,020,494.62 | 1,035,686,910.72 | 8.50% |
| BANK ONE SAVINGS CORPORATION | 49,944,276.09 | 594,847,657.82 | 8.40% |
| PHIL NATIONAL BANK | 8,679,744,711.60 | 110,115,102,783.46 | 7.88% |
| LIFE SAVINGS BANK INC | 5,501,639.71 | 71,170,518.33 | 7.73% |
| SUN SAVINGS BANK INC | 17,732,744.36 | 237,598,081.14 | 7.46% |
| LAND BANK OF THE PHILIPPINES | 7,976,576,276.23 | 108,366,736,685.40 | 7.36% |
| CTBC BANK (PHILIPPINES) CORP | 496,282,907.62 | 7,057,736,654.89 | 7.03% |
| DUMAGUETE CITY DEV BANK INC | 17,922,228.25 | 276,295,125.48 | 6.49% |
| ROBINSONS BANK CORPORATION | 791,070,048.46 | 12,625,207,278.85 | 6.27% |
| BANGKO KABAYAN INC (A PRIVATE DEVELOPMENT BANK) | 29,307,273.85 | 477,960,046.90 | 6.13% |
| BDO UNIBANK INC | 17,688,078,804.39 | 298,798,395,425.01 | 5.92% |
| CITIBANK, N.A. | 928,476,627.31 | 15,758,089,456.63 | 5.89% |
| PHIL TRUST COMPANY | 1,277,448,244.94 | 21,772,279,045.71 | 5.87% |
| BANK OF THE PHIL ISLANDS | 9,962,513,455.51 | 186,071,504,302.11 | 5.35% |
| RIZAL COMM'L BANKING CORP | 3,569,025,053.26 | 68,100,028,004.45 | 5.24% |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 2,606,066.55 | 59,156,808.09 | 4.41% |
| HONGKONG & SHANGHAI BANKING CORP | 576,180,886.39 | 13,633,923,197.71 | 4.23% |
| PACIFIC ACE SAVINGS BANK INC | 2,984,850.00 | 76,338,628.27 | 3.91% |
| CHINA BANKING CORP | 2,569,254,055.11 | 74,797,575,576.60 | 3.43% |
| METROPOLITAN BANK & TCO | 6,457,035,907.54 | 207,671,217,224.36 | 3.11% |
| HSBC SAVINGS BANK(PHILS) INC | 47,493,373.87 | 1,652,823,357.98 | 2.87% |
| LEMERY SAVINGS & LOAN BANK, INC. | 1,981,724.21 | 86,402,574.53 | 2.29% |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 4,347,508.72 | 222,678,391.14 | 1.95% |
| SECURITY BANK CORP | 1,962,296,925.07 | 103,960,293,797.50 | 1.89% |
| KEB HANA BANK - MANILA BRANCH | 28,266,209.64 | 1,557,742,517.72 | 1.81% |
| CENTURY SAVINGS BANK CORPORATION | 16,544,659.57 | 1,001,502,299.84 | 1.65% |
| BANGKOK BANK PUBLIC CO LTD | 30,625,504.25 | 3,148,882,045.35 | 0.97% |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 2,578,975.82 | 677,897,962.11 | 0.38% |
| ING BANK N.V. | 106.32 | 2,621,198,022.76 | 0.00% |
| AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED | 0.00 | 4,236,427,985.62 | 0.00% |
| BANK OF AMERICA N.A. | 0.00 | 2,096,035,697.20 | 0.00% |
| BANK OF CHINA LIMITED-MANILA BRANCH | 0.00 | 10,123,673,611.68 | 0.00% |
| BDO PRIVATE BANK, INC. | 0.00 | 5,453,472,151.95 | 0.00% |
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | 0.00 | 5,182,801,228.08 | 0.00% |
| DEUTSCHE BANK AG | 0.00 | 2,293,567,648.05 | 0.00% |
| FIRST COMMERCIAL BANK LTD MANILA BRANCH | 0.00 | 2,008,698,173.74 | 0.00% |
| HUA NAN COMMERCIAL BANK LTD MANILA BRANCH | 0.00 | 2,095,195,148.86 | 0.00% |
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | 0.00 | 2,225,788,242.42 | 0.00% |
| ISLA BANK(A THRIFT BANK) INC | 0.00 | 683,537,077.73 | 0.00% |
| JP MORGAN CHASE BANK NATIONAL ASSN. | 0.00 | 1,482,157,317.84 | 0.00% |
| MEGA INT'L COMM'L BANK CO LTD | 0.00 | 1,895,565,404.00 | 0.00% |
| MIZUHO BANK LTD - MANILA BRANCH | 0.00 | 5,575,924,360.63 | 0.00% |
| MUFG BANK, LTD. | 0.00 | 4,583,142,130.78 | 0.00% |
| SHINHAN BANK - MANILA BRANCH | 0.00 | 2,201,523,316.78 | 0.00% |
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | 0.00 | 13,001,868,449.98 | 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 | 2,380,887,784.77 | 0.00% |
| Grand Total | 146,697,114,441.31 | 1,708,924,831,011.14 | 8.58% |
Of the 100 banks
in this list, twenty-one banks have a Gross NPL to Stockholders
Equity Ratio of 30% or more as of March 31, 2018. These banks are as
follows:
- Overseas Filipino Bank Inc (412.32% of SE)
- Enterprise Bank Inc (144.94% of SE)
- Equicom Savings Bank Inc (84.71% of SE)
- Luzon Development Bank (73.14% of SE)
- UCPB Savings Bank (67.74% of SE)
- Sterling Bank of Asia Inc (64.92% of SE)
- Philippine Veterans Bank (61.50% of SE)
- Legazpi Savings Bank (60.61% of SE)
- The Palawan Bank Inc (52.54% of SE)
- Philippine Resources Savings Banking Corporation (44.65% of SE)
- BPI Direct Banko Inc (44.35% of SE)
- China Bank Savings Inc (41.87% of SE)
- Standard Chartered Bank (38.95% of SE)
- Malasiqui Progressive SLB Inc (36.62% of SE)
- BPI Family Savings Bank Inc (34.94% of SE)
- 1st Valley Bank Inc (34.39% of SE)
- Malayan Bank Savings and Mortgage Bank Inc (33.81% of SE)
- Pampanga Development Bank (33.39% of SE)
- Northpoint Development Bank Inc (33.36% of SE)
- RCBC Savings Bank Inc (32.39% of SE)
- United Coconut Planters Bank (31.31% of SE)
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