This blog post updates previous blog posts such as Overseas Filipino Bank Ranks 1st in Non-Performing Loans as % of Stockholder's Equity as of September 30, 2018 .
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 162.63 billion as of December 31, 2018 - approximately 1.66% of the Philippine Banking Industry's Total Loan Portfolio of Php 9.81 trillion.
| Philippine Banking System | |||
| NPL as % of TLP | |||
| December 31, 2018 | |||
| Gross NPL/ Gross TLP | |||
| Bank | Gross NPLs | Gross TLP | (In %) |
| RB OF MARAGONDON INC | 30,745,438.34 | 43,304,646.50 | 71.00% |
| RB OF GENERAL TRIAS INC | 38,521,318.36 | 63,468,067.63 | 60.69% |
| COOP BANK OF BENGUET (CBB) | 69,727,366.10 | 152,608,137.09 | 45.69% |
| VALIANT BANK INC (A RURAL BANK) | 200,710,149.65 | 472,696,732.33 | 42.46% |
| PEOPLES BANK OF CARAGA INC (A RURAL BANK) | 388,898,164.94 | 999,062,237.48 | 38.93% |
| PROGRESSIVE BANK INC (PROGRESSIVE A RURAL BANK INC) | 113,638,805.77 | 319,884,177.43 | 35.52% |
| CONSOLIDATED COOPERATIVE BANK | 427,596,656.95 | 1,258,564,136.60 | 33.97% |
| COOP BANK OF CAGAYAN | 97,505,072.36 | 287,252,358.15 | 33.94% |
| D' ASIAN HILLS BANK INC (A RURAL BANK) | 160,686,650.64 | 480,726,165.00 | 33.43% |
| RB OF MIAGAO (ILOILO) INC | 43,825,325.72 | 132,112,925.65 | 33.17% |
| ALIAGA FARMERS RURAL BANK INC | 119,281,650.44 | 360,107,823.12 | 33.12% |
| MT CARMEL RURAL BANK INC | 219,468,418.50 | 695,648,476.72 | 31.55% |
| RB OF POZORRUBIO INC | 20,470,159.03 | 66,912,956.04 | 30.59% |
| RB OF MABALACAT INC | 43,432,106.69 | 148,560,023.57 | 29.24% |
| GRAND-AGRI RURAL BANK | 76,087,462.05 | 260,258,848.72 | 29.24% |
| RB OF MABITAC (LAGUNA) INC | 86,245,953.37 | 296,578,032.34 | 29.08% |
| BANCO SANTIAGO DE LIBON INC | 53,568,004.12 | 184,968,579.93 | 28.96% |
| RB OF POLA (ORIENTAL MINDORO) INC | 49,636,853.62 | 191,409,807.99 | 25.93% |
| RB OF MAGDALENA (LAGUNA) INC | 52,207,062.59 | 204,894,012.60 | 25.48% |
| RB OF STA ROSA DE LIMA (PANIQUI TARLAC) INC | 24,507,249.49 | 98,246,218.22 | 24.94% |
| PLANBANK "RB OF CANLUBANG PLANTERS INC" | 81,374,492.04 | 330,574,329.33 | 24.62% |
| EAST WEST RURAL BANK INC | 1,239,377,114.60 | 5,214,577,092.20 | 23.77% |
| LEGAZPI SAVINGS BANK INC | 325,749,920.79 | 1,376,357,617.68 | 23.67% |
| AMA RURAL BANK OF MANDALUYONG INC | 522,441,985.47 | 2,297,271,206.20 | 22.74% |
| ENTREPRENEUR RB INC | 49,638,699.65 | 219,541,510.85 | 22.61% |
| RB OF ALABEL (SARANGANI) INC | 42,893,144.69 | 195,719,961.71 | 21.92% |
| NORTHPOINT DEV'T BANK INC | 98,818,586.90 | 473,554,009.80 | 20.87% |
| RB OF CARDONA (RIZAL) INC | 72,853,579.59 | 352,872,634.42 | 20.65% |
| COOPERATIVE BANK OF BOHOL | 61,367,388.46 | 300,785,707.50 | 20.40% |
| FARMERS SAVINGS & LOAN BANK INC | 41,255,102.82 | 202,228,610.80 | 20.40% |
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS | 1,556,381,247.87 | 7,926,907,510.74 | 19.63% |
| SUMMIT BANK (RB OF TUBLAY INC) | 148,084,738.47 | 755,217,625.16 | 19.61% |
| ENTERPRISE BANK INC (A THRIFT BANK) | 334,690,957.76 | 1,762,364,199.53 | 18.99% |
| PBCOM RURAL BANK INC | 417,146,345.80 | 2,214,309,935.50 | 18.84% |
| ASPAC RURAL BANK INC | 100,006,101.26 | 537,001,183.94 | 18.62% |
| AGRIBUSINESS RURAL BANK INC | 484,528,257.00 | 2,602,400,763.20 | 18.62% |
| MARITIME SAVINGS BANK CORPORATION | 22,037,335.09 | 121,046,164.76 | 18.21% |
| BANGKO MABUHAY (A RURAL BANK) INC | 93,915,928.64 | 517,590,642.93 | 18.14% |
| RBG IMPERIAL BANK INC(A RURAL BANK) | 42,239,116.99 | 234,004,416.66 | 18.05% |
| CANTILAN BANK INC (A RURAL BANK) | 279,883,664.22 | 1,598,389,055.00 | 17.51% |
| LIBERTY BANK (A RURAL BANK) INC | 26,013,372.35 | 154,440,506.44 | 16.84% |
| LAGAWE HIGHLANDS RB INC | 51,402,782.94 | 308,936,934.66 | 16.64% |
| UCPB SAVINGS BANK | 2,520,179,947.97 | 15,291,096,039.46 | 16.48% |
| DUNGGANON BANK (A MICROFINANCE RURAL BANK) INC | 33,410,173.22 | 204,417,841.13 | 16.34% |
| LIFE SAVINGS BANK INC | 7,909,027.36 | 48,724,019.92 | 16.23% |
| TANAY RB INC | 206,505,822.36 | 1,302,409,648.00 | 15.86% |
| RURAL BANK OF PLACER (SURIGAO DEL NORTE) INC | 36,473,807.82 | 233,684,675.42 | 15.61% |
| BENGUET CENTER BANK INC A RB | 28,052,368.51 | 182,119,360.31 | 15.40% |
| RB OF PILAR (BATAAN) INC | 33,467,511.00 | 221,455,254.41 | 15.11% |
| BATAAN DEVELOPMENT BANK | 34,980,091.08 | 231,558,957.06 | 15.11% |
| PACIFIC ACE SAVINGS BANK INC | 7,984,007.00 | 54,015,161.00 | 14.78% |
| PAMPANGA DEVELOPMENT BANK | 58,019,633.67 | 398,406,558.88 | 14.56% |
| BALANGA RURAL BANK, INC. | 27,122,432.61 | 188,233,510.74 | 14.41% |
| YUANTA SAVINGS BANK PHILIPPINES INC | 105,709,543.16 | 739,158,707.43 | 14.30% |
| LUZON DEVELOPMENT BANK | 511,816,689.86 | 3,734,487,364.79 | 13.71% |
| RB OF BAMBANG (NUEVA VIZCAYA) INC | 42,635,239.41 | 325,920,476.44 | 13.08% |
| RB OF BAGABAG (N.V.)INC | 50,032,139.96 | 389,204,212.60 | 12.85% |
| RB OF ANTIPOLO INC | 16,416,216.28 | 130,832,206.40 | 12.55% |
| BHF RURAL BANK INC | 56,133,313.48 | 447,915,080.67 | 12.53% |
| COMMTY RB OF DAPITAN CITY INC | 42,324,001.01 | 339,251,785.73 | 12.48% |
| RB OF MARIA AURORA (AURORA) INC | 51,835,086.21 | 429,918,535.70 | 12.06% |
| RURAL BANK OF SAN ANTONIO INC | 39,209,616.32 | 336,030,078.58 | 11.67% |
| SAVIOUR RURAL BANK INC | 31,302,870.69 | 270,901,750.49 | 11.56% |
| EQUICOM SAVINGS BANK INC | 678,665,503.25 | 5,891,201,120.65 | 11.52% |
| RB OF DOLORES (QUEZON) INC | 8,416,443.89 | 73,287,023.68 | 11.48% |
| GUAGUA SAVERS BANK(A RB) INC | 10,583,466.34 | 93,783,455.57 | 11.29% |
| COOP BANK OF QUEZON PROVINCE | 38,969,085.43 | 351,580,934.16 | 11.08% |
| RB OF ITOGON (BENGUET) INC | 35,029,090.80 | 319,727,185.06 | 10.96% |
| METRO SOUTH COOP BANK | 304,330,938.27 | 2,824,955,174.80 | 10.77% |
| ONE NETWORK BANK INC (A RURAL BANK OF BDO) | 2,125,645,171.10 | 19,842,322,866.00 | 10.71% |
| COMMTY RB OF CATMON (CEBU) INC | 39,620,065.84 | 385,907,711.92 | 10.27% |
| GOLDEN RURAL BANK OF THE PHILIPPINES INC | 26,118,973.44 | 260,134,400.44 | 10.04% |
| CAVITE UNITED RURAL BANK CORP | 27,652,765.64 | 275,928,560.31 | 10.02% |
| COOPERATIVE BANK OF NUEVA VIZCAYA | 33,212,708.48 | 332,676,319.71 | 9.98% |
| RB OF SAN LUIS (PAMPANGA) INC | 20,867,212.92 | 209,552,228.26 | 9.96% |
| NATIONAL TEACHERS & EMP. COOP BANK | 25,587,096.40 | 264,825,251.11 | 9.66% |
| RB OF CENTRAL PANGASINAN (BAYAMBANG) INC | 44,777,828.98 | 466,355,193.05 | 9.60% |
| FIRST TAGUM RURAL BANK INC | 51,643,391.14 | 544,560,293.83 | 9.48% |
| HIYAS BANKING CORPORATION | 28,152,649.56 | 296,950,635.59 | 9.48% |
| GM BANK OF LUZON INC (A RURAL BANK) | 248,037,301.92 | 2,680,382,029.30 | 9.25% |
| UNIVERSITY SAVINGS BANK INC | 41,532,383.06 | 451,273,311.78 | 9.20% |
| BANCO LAGUNA INC (A RURAL BANK SINCE 1965) | 26,376,783.97 | 286,808,238.27 | 9.20% |
| STANDARD CHARTERED BANK | 2,613,663,314.20 | 28,659,973,526.87 | 9.12% |
| RB OF GATTARAN (CAGAYAN) INC | 25,736,313.78 | 292,163,826.21 | 8.81% |
| RB OF TANGUB CITY (MIS OCC) INC | 31,826,390.56 | 361,450,427.74 | 8.81% |
| BANGKO MONTANOSA INC (A RURAL BANK) | 24,735,366.96 | 284,557,679.20 | 8.69% |
| INSULAR SAVERS BANK INC (A RURAL BANK) | 122,168,501.45 | 1,416,033,910.10 | 8.63% |
| RB OF BAYOMBONG INC | 12,644,217.77 | 147,351,732.44 | 8.58% |
| RB OF LEBAK (SULTAN KUDARAT) INC | 38,854,000.17 | 459,824,821.71 | 8.45% |
| VILLAGE BANK INC (A RURAL BANK) | 37,870,821.93 | 450,999,875.39 | 8.40% |
| BUSINESS AND CONSUMERS BANK (A DB) | 14,297,923.05 | 170,448,634.25 | 8.39% |
| ARDCIBANK INC A RURAL BANK | 7,612,166.28 | 90,950,669.82 | 8.37% |
| OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE RURAL BANK) | 19,640,373.04 | 234,896,357.12 | 8.36% |
| MOUNT MAKILING RURAL BANK INC | 50,243,509.44 | 603,704,420.16 | 8.32% |
| SOUTH BANK (A RURAL BANK) INC | 27,799,387.09 | 336,621,707.60 | 8.26% |
| CEBUANA LHUILLIER RB INC | 24,257,220.57 | 304,435,755.05 | 7.97% |
| RB OF GLORIA (OR MIN) INC | 3,052,978.40 | 38,357,192.88 | 7.96% |
| BPI DIRECT BANKO INC A SAVINGS BANK | 797,910,869.09 | 10,156,288,469.35 | 7.86% |
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 545,183,711.79 | 6,941,289,883.54 | 7.85% |
| MALARAYAT RB INC | 39,429,806.38 | 502,274,248.50 | 7.85% |
| MACTAN RURAL BANK (LAPU-LAPU CITY) INC | 47,591,430.77 | 611,460,209.64 | 7.78% |
| BANK OF MAKATI (A SAVINGS BANK) INC | 2,061,100,494.13 | 26,918,540,130.39 | 7.66% |
| FIRST CONSOLIDATED BANK INC (A PDB) | 937,301,137.75 | 12,342,773,195.19 | 7.59% |
| RB OF CAUAYAN INC | 51,812,662.80 | 687,742,857.71 | 7.53% |
| RB OF SAN PASCUAL(OBANDO BULACAN)INC | 24,593,989.83 | 327,484,579.00 | 7.51% |
| PHIL STAR DEVELOPMENT BANK INC | 4,367,377.11 | 58,376,668.01 | 7.48% |
| RB OF BAY INC | 19,104,261.44 | 260,328,883.98 | 7.34% |
| RB OF MIDSAYAP INC | 11,124,953.42 | 156,939,780.60 | 7.09% |
| RB OF PARACALE(CAMARINES NORTE) INC | 23,556,259.43 | 332,562,001.25 | 7.08% |
| RB OF DULAG (LEYTE) INC | 11,733,061.73 | 172,976,642.18 | 6.78% |
| NEW RB OF SAN LEONARDO(N.E.) INC | 64,814,185.08 | 956,295,422.72 | 6.78% |
| HIGHLAND RURAL BANK INC | 17,474,070.89 | 261,766,155.42 | 6.68% |
| COMMON WEALTH RURAL BANK INC | 24,771,728.25 | 378,671,335.49 | 6.54% |
| SECURED BANK INC (A RB) | 16,869,944.93 | 265,880,737.99 | 6.34% |
| MVSM BANK (A RURAL BANK SINCE 1953) INC | 30,069,083.17 | 487,823,758.96 | 6.16% |
| LEMERY SAVINGS & LOAN BANK, INC. | 5,620,497.35 | 92,910,959.82 | 6.05% |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 104,417,002.42 | 1,743,516,213.32 | 5.99% |
| RB OF SOLANO (NUEVA VIZCAYA) INC | 23,058,942.45 | 388,494,672.90 | 5.94% |
| CORDILLERA SAVINGS BANK INC | 12,123,604.31 | 204,975,719.44 | 5.91% |
| ILOCOS CONSOLIDATED COOPERATIVE BANK | 71,019,218.03 | 1,208,204,404.20 | 5.88% |
| CITYSTATE SAVINGS BANK INC | 116,312,839.73 | 1,991,606,737.97 | 5.84% |
| RB OF PILAR (SORSOGON) INC | 17,778,214.08 | 306,284,094.12 | 5.80% |
| MERCHANTS SAVINGS & LOAN ASSN INC | 70,743,639.74 | 1,252,668,641.36 | 5.65% |
| CAMALIG BANK INC (A RURAL BANK) | 46,960,745.31 | 877,817,141.08 | 5.35% |
| WEALTH DEVELOPMENT BANK CORPORATION | 425,898,417.61 | 7,985,523,215.39 | 5.33% |
| RANG-AY BANK INC (A RURAL BANK) | 105,948,482.96 | 2,014,188,448.60 | 5.26% |
| COOP BANK OF COTABATO | 79,061,167.24 | 1,514,241,928.80 | 5.22% |
| MALAYAN BANK SAVINGS AND MORT BANK INC | 232,068,015.56 | 4,446,818,329.42 | 5.22% |
| SUGBUANON RB INC | 29,319,306.98 | 565,124,694.69 | 5.19% |
| FILIDIAN RURAL BANK OF ANTIPOLO INC | 7,231,559.78 | 140,804,034.52 | 5.14% |
| CHINA BANK SAVINGS INC | 3,487,278,553.65 | 68,156,755,330.16 | 5.12% |
| BANGKO CARRASCAL INC (A RB) | 8,138,743.86 | 160,672,030.17 | 5.07% |
| BPI FAMILY SAVINGS BANK INC | 11,106,593,641.57 | 220,938,982,718.61 | 5.03% |
| RB OF ANGELES INC | 107,659,197.24 | 2,166,225,846.80 | 4.97% |
| FIRST ISABELA COOP BANK INC(FICOBANK) | 157,459,420.62 | 3,183,726,036.30 | 4.95% |
| PNB SAVINGS BANK | 2,489,981,239.03 | 53,293,074,702.61 | 4.67% |
| COUNTRY BUILDERS BANK INC (A RURAL BANK) | 49,280,451.41 | 1,057,877,790.60 | 4.66% |
| RB OF PORAC (PAMPANGA) INC | 50,039,314.48 | 1,076,747,594.30 | 4.65% |
| EAST WEST BANKING CORP | 10,239,430,293.81 | 221,166,214,751.38 | 4.63% |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 1,479,597,307.93 | 32,089,949,160.17 | 4.61% |
| DUMAGUETE CITY DEV BANK INC | 29,686,507.43 | 644,677,495.50 | 4.60% |
| RCBC SAVINGS BANK INC | 4,538,925,881.88 | 98,882,037,071.01 | 4.59% |
| LAGUNA PRESTIGE BANKING CORPORATION (A RURAL BANK) | 13,995,854.32 | 315,251,431.35 | 4.44% |
| GUAGUA RURAL BANK INC | 169,241,705.98 | 3,835,226,951.20 | 4.41% |
| BANK ONE SAVINGS CORPORATION | 50,920,016.00 | 1,197,108,603.68 | 4.25% |
| BANKWAYS INC (A RURAL BANK) | 29,945,734.69 | 714,229,154.57 | 4.19% |
| MALLIG PLAINS RURAL BANK (ISABELA) INC | 22,360,129.05 | 535,574,942.48 | 4.17% |
| PHIL SAVINGS BANK | 6,615,926,206.09 | 158,598,351,431.04 | 4.17% |
| RB OF SAN MATEO(ISABELA) INC | 20,734,351.55 | 499,254,323.45 | 4.15% |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 2,662,507.14 | 65,330,010.11 | 4.08% |
| RB OF DUMANGAS INC | 12,075,052.15 | 297,952,577.62 | 4.05% |
| GATEWAY RURAL BANK INC | 22,632,720.81 | 558,994,862.22 | 4.05% |
| MANOR BANK - A RURAL BANK CORP | 4,353,293.59 | 108,225,194.46 | 4.02% |
| RB OF GUINOBATAN INC | 18,077,286.56 | 462,763,041.69 | 3.91% |
| PHIL BANK OF COMMUNICATIONS | 2,204,146,296.88 | 57,351,921,098.85 | 3.84% |
| METRO CEBU PUBLIC SAVINGS BANK | 8,869,721.90 | 232,103,984.38 | 3.82% |
| STA MARIA RURAL BANK INC | 3,428,083.16 | 93,476,575.86 | 3.67% |
| RB OF DIGOS INC | 27,405,173.48 | 754,154,204.39 | 3.63% |
| INNOVATIVE BANK INC (A RURAL BANK) | 1,599,349.78 | 44,056,285.84 | 3.63% |
| BOF INC (A RURAL BANK) | 85,138,893.35 | 2,364,092,343.90 | 3.60% |
| IMUS RURAL BANK INC | 11,822,954.21 | 342,147,171.33 | 3.46% |
| UNION BANK OF THE PHILS | 8,681,263,266.47 | 257,949,080,965.84 | 3.37% |
| RNG COASTAL BANK INC(A RURAL BANK) | 7,721,975.84 | 230,139,985.26 | 3.36% |
| RB OF RIZAL (ZAMBOANGA DEL NORTE) INC | 14,528,947.37 | 464,252,329.78 | 3.13% |
| RB OF MONTALBAN INC | 3,366,832.74 | 109,616,642.20 | 3.07% |
| INTER-ASIA DEVELOPMENT BANK | 7,591,147.82 | 250,041,922.91 | 3.04% |
| RB OF BARILI (CEBU) INC | 24,584,520.66 | 821,571,755.21 | 2.99% |
| QUEZON CAPITAL RB INC | 61,458,419.53 | 2,152,235,628.00 | 2.86% |
| PRODUCERS SAVINGS BANK CORPORATION | 369,105,717.33 | 13,006,432,124.07 | 2.84% |
| CENTURY RURAL BANK INC | 6,974,697.58 | 258,314,092.42 | 2.70% |
| CARD SME BANK INC A THRIFT BANK | 135,584,638.32 | 5,045,057,510.91 | 2.69% |
| NORTH PACIFIC BANKING CORPORATION (A RB OF STA MARIA ISABELA | 6,302,204.58 | 238,665,841.48 | 2.64% |
| RB OF JAEN INC | 6,374,705.22 | 246,394,482.36 | 2.59% |
| MARAYO BANK INC (A RURAL BANK) | 43,527,819.58 | 1,695,417,168.60 | 2.57% |
| LIFEBANK- A RURAL BANK | 10,709,749.51 | 441,360,016.31 | 2.43% |
| ALLBANK (A THRIFT BANK) INC | 58,307,833.04 | 2,481,240,583.71 | 2.35% |
| MAYBANK PHILIPPINES INCORPORATED | 1,639,158,444.58 | 74,064,688,019.78 | 2.21% |
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 1,654,529,173.88 | 76,354,287,620.10 | 2.17% |
| PHIL TRUST COMPANY | 1,158,278,288.02 | 54,671,026,549.95 | 2.12% |
| RB OF PANDI (BULACAN) INC | 16,187,629.14 | 764,563,504.54 | 2.12% |
| BANK OF COMMERCE | 1,574,874,658.91 | 78,550,268,924.18 | 2.00% |
| CARD BANK INC (A MF RB) | 205,625,833.04 | 10,299,688,430.00 | 2.00% |
| DEVELOPMENT BANK OF THE PHIL | 6,424,374,586.99 | 328,626,941,365.87 | 1.95% |
| RBT BANK INC A RURAL BANK | 8,356,569.91 | 449,751,280.95 | 1.86% |
| ASIA UNITED BANK CORPORATION | 2,843,723,749.05 | 154,877,090,503.59 | 1.84% |
| BANGKO KABAYAN INC (A PRIVATE DEVELOPMENT BANK) | 34,853,596.58 | 1,903,959,034.24 | 1.83% |
| PHIL NATIONAL BANK | 9,449,896,609.90 | 536,711,433,296.88 | 1.76% |
| RB OF ROSARIO (LA UNION) INC | 3,412,766.28 | 193,976,398.37 | 1.76% |
| SUN SAVINGS BANK INC | 21,977,627.97 | 1,348,712,846.52 | 1.63% |
| CARD MRI RIZAL BANK INC A MICROFINANCE-ORIENTED RURAL BANK | 47,366,496.32 | 3,083,968,926.70 | 1.54% |
| CTBC BANK (PHILIPPINES) CORP | 632,988,633.22 | 41,446,648,244.53 | 1.53% |
| KATIPUNAN BANK INC "A RURAL BANK" | 23,034,871.18 | 1,740,278,607.80 | 1.32% |
| RIZAL COMM'L BANKING CORP | 3,778,814,274.91 | 303,462,841,560.15 | 1.25% |
| HSBC SAVINGS BANK(PHILS) INC | 37,517,115.56 | 3,038,892,422.91 | 1.23% |
| CENTURY SAVINGS BANK CORPORATION | 9,670,265.48 | 788,854,468.89 | 1.23% |
| BANK OF THE PHIL ISLANDS | 13,052,121,266.84 | 1,158,647,636,491.23 | 1.13% |
| ROBINSONS BANK CORPORATION | 730,058,854.95 | 68,778,082,920.46 | 1.06% |
| LAND BANK OF THE PHILIPPINES | 9,134,879,593.32 | 867,296,784,974.71 | 1.05% |
| RB OF BROOKE'S POINT (PALAWAN) INC | 2,253,183.69 | 225,669,352.85 | 1.00% |
| BDO UNIBANK INC | 17,108,039,954.27 | 2,025,242,966,925.31 | 0.84% |
| HONGKONG & SHANGHAI BANKING CORP | 511,083,509.97 | 62,065,197,774.68 | 0.82% |
| METROPOLITAN BANK & TCO | 8,041,215,004.71 | 1,135,548,223,997.78 | 0.71% |
| SECURITY BANK CORP | 2,796,885,255.23 | 415,348,789,053.12 | 0.67% |
| RB OF STA IGNACIA INC | 2,286,497.89 | 372,367,184.80 | 0.61% |
| CITIBANK, N.A. | 1,156,260,580.22 | 189,791,851,754.29 | 0.61% |
| CHINA BANKING CORP | 2,672,209,854.94 | 455,899,148,135.30 | 0.59% |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 6,842,722.12 | 1,699,650,882.24 | 0.40% |
| BANGKOK BANK PUBLIC CO LTD | 23,558,872.16 | 8,829,454,849.10 | 0.27% |
| KEB HANA BANK - MANILA BRANCH | 23,050,211.32 | 9,425,479,771.10 | 0.24% |
| MEGA INT'L COMM'L BANK CO LTD | 4,815,000.00 | 12,867,873,231.66 | 0.04% |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 107,342.00 | 458,187,745.35 | 0.02% |
| ING BANK N.V. | 107.16 | 15,231,050,470.30 | 0.00% |
| AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED | 0.00 | 40,587,448,214.57 | 0.00% |
| BANK OF AMERICA N.A. | 0.00 | 9,977,030,175.62 | 0.00% |
| BANK OF CHINA LIMITED-MANILA BRANCH | 0.00 | 13,543,768,834.39 | 0.00% |
| BDO PRIVATE BANK, INC. | 0.00 | 4,398,743,725.86 | 0.00% |
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | 0.00 | 4,512,309,725.82 | 0.00% |
| CHANG HWA COMMERCIAL BANK LTD - MANILA BRANCH | 0.00 | 319,090,909.06 | 0.00% |
| DEUTSCHE BANK AG | 0.00 | 21,385,582,347.86 | 0.00% |
| FIRST COMMERCIAL BANK LTD MANILA BRANCH | 0.00 | 1,756,956,000.00 | 0.00% |
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | 0.00 | 3,043,915,221.99 | 0.00% |
| ISLA BANK(A THRIFT BANK) INC | 0.00 | 902,995,164.88 | 0.00% |
| JP MORGAN CHASE BANK NATIONAL ASSN. | 0.00 | 29,331,230,127.99 | 0.00% |
| MIZUHO BANK LTD - MANILA BRANCH | 0.00 | 54,063,636,219.82 | 0.00% |
| MUFG BANK, LTD. | 0.00 | 46,476,626,009.35 | 0.00% |
| SHINHAN BANK - MANILA BRANCH | 0.00 | 3,447,766,138.46 | 0.00% |
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | 0.00 | 37,974,131,966.12 | 0.00% |
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | 0.00 | 1,707,424,260.00 | 0.00% |
| CIMB BANK PHILIPPINES INC | 0.00 | 0.00 | NA |
| HUA NAN COMMERCIAL BANK LTD MANILA BRANCH | 0.00 | 0.00 | NA |
| Grand Total | 162,633,488,658.67 | 9,808,281,652,199.97 | 1.66% |
There are nineteen Philippine Banks with a Gross NPL Ratio greater than 25.00% of Total Loan Portfolio (TLP). These are as follows:
| Philippine Banking System | |||
| NPL as % of TLP | |||
| December 31, 2018 | |||
| Gross NPL/ Gross TLP | |||
| Bank | Gross NPLs | Gross TLP | (In %) |
| RB OF MARAGONDON INC | 30,745,438.34 | 43,304,646.50 | 71.00% |
| RB OF GENERAL TRIAS INC | 38,521,318.36 | 63,468,067.63 | 60.69% |
| COOP BANK OF BENGUET (CBB) | 69,727,366.10 | 152,608,137.09 | 45.69% |
| VALIANT BANK INC (A RURAL BANK) | 200,710,149.65 | 472,696,732.33 | 42.46% |
| PEOPLES BANK OF CARAGA INC (A RURAL BANK) | 388,898,164.94 | 999,062,237.48 | 38.93% |
| PROGRESSIVE BANK INC (PROGRESSIVE A RURAL BANK INC) | 113,638,805.77 | 319,884,177.43 | 35.52% |
| CONSOLIDATED COOPERATIVE BANK | 427,596,656.95 | 1,258,564,136.60 | 33.97% |
| COOP BANK OF CAGAYAN | 97,505,072.36 | 287,252,358.15 | 33.94% |
| D' ASIAN HILLS BANK INC (A RURAL BANK) | 160,686,650.64 | 480,726,165.00 | 33.43% |
| RB OF MIAGAO (ILOILO) INC | 43,825,325.72 | 132,112,925.65 | 33.17% |
| ALIAGA FARMERS RURAL BANK INC | 119,281,650.44 | 360,107,823.12 | 33.12% |
| MT CARMEL RURAL BANK INC | 219,468,418.50 | 695,648,476.72 | 31.55% |
| RB OF POZORRUBIO INC | 20,470,159.03 | 66,912,956.04 | 30.59% |
| RB OF MABALACAT INC | 43,432,106.69 | 148,560,023.57 | 29.24% |
| GRAND-AGRI RURAL BANK | 76,087,462.05 | 260,258,848.72 | 29.24% |
| RB OF MABITAC (LAGUNA) INC | 86,245,953.37 | 296,578,032.34 | 29.08% |
| BANCO SANTIAGO DE LIBON INC | 53,568,004.12 | 184,968,579.93 | 28.96% |
| RB OF POLA (ORIENTAL MINDORO) INC | 49,636,853.62 | 191,409,807.99 | 25.93% |
| RB OF MAGDALENA (LAGUNA) INC | 52,207,062.59 | 204,894,012.60 | 25.48% |
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 8.19% of Stockholders Equity as of December 31, 2018.
| Philippine Banking System | |||
| NPL as % of SE | |||
| December 31, 2018 | |||
| NPL | SE | NPL/SE | |
| Bank | (In PHP) | (In PHP) | (In %) |
| RB OF MABITAC (LAGUNA) INC | 86,245,953.37 | 23,978,742.46 | 359.68% |
| PEOPLES BANK OF CARAGA INC (A RURAL BANK) | 388,898,164.94 | 130,375,456.27 | 298.29% |
| VALIANT BANK INC (A RURAL BANK) | 200,710,149.65 | 79,178,165.58 | 253.49% |
| CONSOLIDATED COOPERATIVE BANK | 427,596,656.95 | 241,882,780.76 | 176.78% |
| COOP BANK OF CAGAYAN | 97,505,072.36 | 57,690,468.59 | 169.01% |
| COOP BANK OF BENGUET (CBB) | 69,727,366.10 | 44,263,720.86 | 157.53% |
| PROGRESSIVE BANK INC (PROGRESSIVE A RURAL BANK INC) | 113,638,805.77 | 73,083,839.47 | 155.49% |
| ENTERPRISE BANK INC (A THRIFT BANK) | 334,690,957.76 | 220,646,360.10 | 151.69% |
| GRAND-AGRI RURAL BANK | 76,087,462.05 | 51,220,072.94 | 148.55% |
| ALIAGA FARMERS RURAL BANK INC | 119,281,650.44 | 100,464,871.77 | 118.73% |
| ENTREPRENEUR RB INC | 49,638,699.65 | 48,268,877.93 | 102.84% |
| LAGAWE HIGHLANDS RB INC | 51,402,782.94 | 50,354,859.85 | 102.08% |
| LUZON DEVELOPMENT BANK | 511,816,689.86 | 512,553,485.62 | 99.86% |
| MT CARMEL RURAL BANK INC | 219,468,418.50 | 224,416,671.16 | 97.80% |
| EQUICOM SAVINGS BANK INC | 678,665,503.25 | 729,067,612.89 | 93.09% |
| UCPB SAVINGS BANK | 2,520,179,947.97 | 2,723,545,194.11 | 92.53% |
| TANAY RB INC | 206,505,822.36 | 227,874,638.48 | 90.62% |
| PBCOM RURAL BANK INC | 417,146,345.80 | 477,024,660.97 | 87.45% |
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS | 1,556,381,247.87 | 1,888,268,513.97 | 82.42% |
| COOPERATIVE BANK OF BOHOL | 61,367,388.46 | 75,107,040.24 | 81.71% |
| RB OF CARDONA (RIZAL) INC | 72,853,579.59 | 98,596,036.74 | 73.89% |
| RB OF MABALACAT INC | 43,432,106.69 | 59,901,107.13 | 72.51% |
| CANTILAN BANK INC (A RURAL BANK) | 279,883,664.22 | 386,459,142.24 | 72.42% |
| RB OF POZORRUBIO INC | 20,470,159.03 | 28,989,541.23 | 70.61% |
| PLANBANK "RB OF CANLUBANG PLANTERS INC" | 81,374,492.04 | 117,562,233.24 | 69.22% |
| RB OF MARAGONDON INC | 30,745,438.34 | 46,891,569.19 | 65.57% |
| LEGAZPI SAVINGS BANK INC | 325,749,920.79 | 544,117,725.12 | 59.87% |
| LIBERTY BANK (A RURAL BANK) INC | 26,013,372.35 | 43,506,310.83 | 59.79% |
| GM BANK OF LUZON INC (A RURAL BANK) | 248,037,301.92 | 416,937,112.51 | 59.49% |
| BANCO SANTIAGO DE LIBON INC | 53,568,004.12 | 93,178,402.38 | 57.49% |
| AGRIBUSINESS RURAL BANK INC | 484,528,257.00 | 858,653,908.03 | 56.43% |
| RB OF MAGDALENA (LAGUNA) INC | 52,207,062.59 | 95,279,569.85 | 54.79% |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 1,479,597,307.93 | 2,734,098,751.47 | 54.12% |
| AMA RURAL BANK OF MANDALUYONG INC | 522,441,985.47 | 968,931,583.53 | 53.92% |
| BENGUET CENTER BANK INC A RB | 28,052,368.51 | 52,366,917.44 | 53.57% |
| VILLAGE BANK INC (A RURAL BANK) | 37,870,821.93 | 70,993,367.38 | 53.34% |
| RB OF LEBAK (SULTAN KUDARAT) INC | 38,854,000.17 | 74,008,392.12 | 52.50% |
| SUMMIT BANK (RB OF TUBLAY INC) | 148,084,738.47 | 295,019,049.29 | 50.19% |
| RB OF MIAGAO (ILOILO) INC | 43,825,325.72 | 90,973,140.02 | 48.17% |
| ONE NETWORK BANK INC (A RURAL BANK OF BDO) | 2,125,645,171.10 | 4,715,371,307.50 | 45.08% |
| RB OF ALABEL (SARANGANI) INC | 42,893,144.69 | 95,456,388.41 | 44.93% |
| COMMTY RB OF CATMON (CEBU) INC | 39,620,065.84 | 90,632,940.06 | 43.71% |
| RB OF BAMBANG (NUEVA VIZCAYA) INC | 42,635,239.41 | 98,798,026.60 | 43.15% |
| RB OF SAN PASCUAL(OBANDO BULACAN)INC | 24,593,989.83 | 57,730,419.42 | 42.60% |
| ASPAC RURAL BANK INC | 100,006,101.26 | 241,274,684.11 | 41.45% |
| GOLDEN RURAL BANK OF THE PHILIPPINES INC | 26,118,973.44 | 63,780,978.64 | 40.95% |
| MARITIME SAVINGS BANK CORPORATION | 22,037,335.09 | 53,824,388.21 | 40.94% |
| STANDARD CHARTERED BANK | 2,613,663,314.20 | 6,447,770,362.14 | 40.54% |
| METRO SOUTH COOP BANK | 304,330,938.27 | 773,292,565.89 | 39.36% |
| SOUTH BANK (A RURAL BANK) INC | 27,799,387.09 | 71,670,510.50 | 38.79% |
| BALANGA RURAL BANK, INC. | 27,122,432.61 | 70,320,812.82 | 38.57% |
| COMMTY RB OF DAPITAN CITY INC | 42,324,001.01 | 111,425,725.79 | 37.98% |
| SAVIOUR RURAL BANK INC | 31,302,870.69 | 82,792,097.55 | 37.81% |
| BATAAN DEVELOPMENT BANK | 34,980,091.08 | 92,608,882.76 | 37.77% |
| COOP BANK OF QUEZON PROVINCE | 38,969,085.43 | 103,445,869.69 | 37.67% |
| RB OF TANGUB CITY (MIS OCC) INC | 31,826,390.56 | 85,843,919.76 | 37.07% |
| CHINA BANK SAVINGS INC | 3,487,278,553.65 | 9,582,604,212.94 | 36.39% |
| ILOCOS CONSOLIDATED COOPERATIVE BANK | 71,019,218.03 | 200,869,399.17 | 35.36% |
| COOPERATIVE BANK OF NUEVA VIZCAYA | 33,212,708.48 | 93,990,997.02 | 35.34% |
| RB OF BAGABAG (N.V.)INC | 50,032,139.96 | 142,476,585.59 | 35.12% |
| RCBC SAVINGS BANK INC | 4,538,925,881.88 | 13,283,914,920.08 | 34.17% |
| RURAL BANK OF PLACER (SURIGAO DEL NORTE) INC | 36,473,807.82 | 107,134,714.09 | 34.04% |
| BPI FAMILY SAVINGS BANK INC | 11,106,593,641.57 | 32,718,551,569.90 | 33.95% |
| BPI DIRECT BANKO INC A SAVINGS BANK | 797,910,869.09 | 2,368,682,739.22 | 33.69% |
| RB OF GENERAL TRIAS INC | 38,521,318.36 | 118,133,345.82 | 32.61% |
| SUGBUANON RB INC | 29,319,306.98 | 89,920,205.77 | 32.61% |
| BANGKO MABUHAY (A RURAL BANK) INC | 93,915,928.64 | 292,838,707.31 | 32.07% |
| FARMERS SAVINGS & LOAN BANK INC | 41,255,102.82 | 129,904,902.95 | 31.76% |
| RB OF ITOGON (BENGUET) INC | 35,029,090.80 | 110,579,890.01 | 31.68% |
| NEW RB OF SAN LEONARDO(N.E.) INC | 64,814,185.08 | 213,093,007.26 | 30.42% |
| EAST WEST RURAL BANK INC | 1,239,377,114.60 | 4,085,074,782.50 | 30.34% |
| RB OF BAY INC | 19,104,261.44 | 64,352,777.35 | 29.69% |
| RB OF GATTARAN (CAGAYAN) INC | 25,736,313.78 | 87,406,445.48 | 29.44% |
| WEALTH DEVELOPMENT BANK CORPORATION | 425,898,417.61 | 1,453,322,660.58 | 29.31% |
| PHIL SAVINGS BANK | 6,615,926,206.09 | 22,991,966,427.28 | 28.77% |
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 545,183,711.79 | 1,918,619,895.86 | 28.42% |
| DUNGGANON BANK (A MICROFINANCE RURAL BANK) INC | 33,410,173.22 | 124,632,738.39 | 26.81% |
| NORTHPOINT DEV'T BANK INC | 98,818,586.90 | 369,715,634.56 | 26.73% |
| RURAL BANK OF SAN ANTONIO INC | 39,209,616.32 | 146,781,367.52 | 26.71% |
| RB OF CENTRAL PANGASINAN (BAYAMBANG) INC | 44,777,828.98 | 168,379,626.19 | 26.59% |
| MACTAN RURAL BANK (LAPU-LAPU CITY) INC | 47,591,430.77 | 181,765,729.46 | 26.18% |
| RB OF PARACALE(CAMARINES NORTE) INC | 23,556,259.43 | 91,491,084.84 | 25.75% |
| RB OF PILAR (BATAAN) INC | 33,467,511.00 | 132,932,259.25 | 25.18% |
| RB OF MARIA AURORA (AURORA) INC | 51,835,086.21 | 206,597,601.84 | 25.09% |
| RB OF PILAR (SORSOGON) INC | 17,778,214.08 | 72,501,328.32 | 24.52% |
| GATEWAY RURAL BANK INC | 22,632,720.81 | 93,299,976.03 | 24.26% |
| RBG IMPERIAL BANK INC(A RURAL BANK) | 42,239,116.99 | 175,039,685.29 | 24.13% |
| EAST WEST BANKING CORP | 10,239,430,293.81 | 42,783,295,057.37 | 23.93% |
| BANGKO MONTANOSA INC (A RURAL BANK) | 24,735,366.96 | 106,555,253.84 | 23.21% |
| PAMPANGA DEVELOPMENT BANK | 58,019,633.67 | 250,061,794.92 | 23.20% |
| OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE RURAL BANK) | 19,640,373.04 | 84,690,659.49 | 23.19% |
| BANCO LAGUNA INC (A RURAL BANK SINCE 1965) | 26,376,783.97 | 114,090,068.22 | 23.12% |
| NATIONAL TEACHERS & EMP. COOP BANK | 25,587,096.40 | 113,909,695.04 | 22.46% |
| MALARAYAT RB INC | 39,429,806.38 | 175,598,205.18 | 22.45% |
| PNB SAVINGS BANK | 2,489,981,239.03 | 11,586,836,716.84 | 21.49% |
| BANK OF MAKATI (A SAVINGS BANK) INC | 2,061,100,494.13 | 9,602,488,372.26 | 21.46% |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 104,417,002.42 | 501,682,183.07 | 20.81% |
| RB OF ANGELES INC | 107,659,197.24 | 521,704,137.65 | 20.64% |
| RB OF SAN LUIS (PAMPANGA) INC | 20,867,212.92 | 103,649,788.67 | 20.13% |
| RANG-AY BANK INC (A RURAL BANK) | 105,948,482.96 | 528,060,337.83 | 20.06% |
| RB OF CAUAYAN INC | 51,812,662.80 | 265,280,062.83 | 19.53% |
| MVSM BANK (A RURAL BANK SINCE 1953) INC | 30,069,083.17 | 154,703,055.33 | 19.44% |
| FIRST CONSOLIDATED BANK INC (A PDB) | 937,301,137.75 | 4,826,832,410.30 | 19.42% |
| RB OF SAN MATEO(ISABELA) INC | 20,734,351.55 | 109,125,303.56 | 19.00% |
| PRODUCERS SAVINGS BANK CORPORATION | 369,105,717.33 | 1,977,454,300.17 | 18.67% |
| MALAYAN BANK SAVINGS AND MORT BANK INC | 232,068,015.56 | 1,246,922,920.50 | 18.61% |
| INSULAR SAVERS BANK INC (A RURAL BANK) | 122,168,501.45 | 669,896,999.26 | 18.24% |
| RB OF GUINOBATAN INC | 18,077,286.56 | 99,286,991.28 | 18.21% |
| PHIL BANK OF COMMUNICATIONS | 2,204,146,296.88 | 12,148,296,667.40 | 18.14% |
| MALLIG PLAINS RURAL BANK (ISABELA) INC | 22,360,129.05 | 124,023,771.33 | 18.03% |
| FIRST TAGUM RURAL BANK INC | 51,643,391.14 | 288,730,363.97 | 17.89% |
| BHF RURAL BANK INC | 56,133,313.48 | 318,340,705.73 | 17.63% |
| QUEZON CAPITAL RB INC | 61,458,419.53 | 354,155,794.19 | 17.35% |
| RB OF PORAC (PAMPANGA) INC | 50,039,314.48 | 288,374,249.27 | 17.35% |
| CITYSTATE SAVINGS BANK INC | 116,312,839.73 | 672,540,410.23 | 17.29% |
| RB OF POLA (ORIENTAL MINDORO) INC | 49,636,853.62 | 288,398,943.57 | 17.21% |
| CEBUANA LHUILLIER RB INC | 24,257,220.57 | 145,107,833.92 | 16.72% |
| FIRST ISABELA COOP BANK INC(FICOBANK) | 157,459,420.62 | 945,631,727.73 | 16.65% |
| RB OF ANTIPOLO INC | 16,416,216.28 | 98,712,952.97 | 16.63% |
| GUAGUA RURAL BANK INC | 169,241,705.98 | 1,026,552,006.80 | 16.49% |
| COMMON WEALTH RURAL BANK INC | 24,771,728.25 | 152,214,725.98 | 16.27% |
| BUSINESS AND CONSUMERS BANK (A DB) | 14,297,923.05 | 88,379,217.15 | 16.18% |
| CAMALIG BANK INC (A RURAL BANK) | 46,960,745.31 | 290,855,511.21 | 16.15% |
| MOUNT MAKILING RURAL BANK INC | 50,243,509.44 | 322,059,465.17 | 15.60% |
| HIYAS BANKING CORPORATION | 28,152,649.56 | 181,419,255.43 | 15.52% |
| RB OF STA ROSA DE LIMA (PANIQUI TARLAC) INC | 24,507,249.49 | 160,319,944.21 | 15.29% |
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 1,654,529,173.88 | 10,940,818,994.42 | 15.12% |
| BOF INC (A RURAL BANK) | 85,138,893.35 | 586,581,940.42 | 14.51% |
| COUNTRY BUILDERS BANK INC (A RURAL BANK) | 49,280,451.41 | 339,971,559.70 | 14.50% |
| GUAGUA SAVERS BANK(A RB) INC | 10,583,466.34 | 74,208,523.32 | 14.26% |
| RB OF DUMANGAS INC | 12,075,052.15 | 86,323,237.34 | 13.99% |
| BANKWAYS INC (A RURAL BANK) | 29,945,734.69 | 214,812,598.66 | 13.94% |
| SECURED BANK INC (A RB) | 16,869,944.93 | 121,198,253.16 | 13.92% |
| RB OF DIGOS INC | 27,405,173.48 | 199,320,808.97 | 13.75% |
| COOP BANK OF COTABATO | 79,061,167.24 | 604,954,266.13 | 13.07% |
| MAYBANK PHILIPPINES INCORPORATED | 1,639,158,444.58 | 12,657,372,797.92 | 12.95% |
| RB OF JAEN INC | 6,374,705.22 | 50,072,269.26 | 12.73% |
| DEVELOPMENT BANK OF THE PHIL | 6,424,374,586.99 | 50,946,041,570.12 | 12.61% |
| RB OF SOLANO (NUEVA VIZCAYA) INC | 23,058,942.45 | 187,279,487.12 | 12.31% |
| YUANTA SAVINGS BANK PHILIPPINES INC | 105,709,543.16 | 883,651,164.96 | 11.96% |
| RB OF MIDSAYAP INC | 11,124,953.42 | 93,267,451.20 | 11.93% |
| METRO CEBU PUBLIC SAVINGS BANK | 8,869,721.90 | 74,925,108.22 | 11.84% |
| MERCHANTS SAVINGS & LOAN ASSN INC | 70,743,639.74 | 599,203,835.68 | 11.81% |
| HIGHLAND RURAL BANK INC | 17,474,070.89 | 149,273,768.86 | 11.71% |
| CARD SME BANK INC A THRIFT BANK | 135,584,638.32 | 1,206,976,405.48 | 11.23% |
| RB OF DULAG (LEYTE) INC | 11,733,061.73 | 105,911,839.10 | 11.08% |
| RB OF DOLORES (QUEZON) INC | 8,416,443.89 | 76,113,924.51 | 11.06% |
| LIFE SAVINGS BANK INC | 7,909,027.36 | 73,272,042.90 | 10.79% |
| DUMAGUETE CITY DEV BANK INC | 29,686,507.43 | 275,904,993.41 | 10.76% |
| UNION BANK OF THE PHILS | 8,681,263,266.47 | 84,284,141,087.13 | 10.30% |
| BANK OF COMMERCE | 1,574,874,658.91 | 15,522,989,477.35 | 10.15% |
| CENTURY RURAL BANK INC | 6,974,697.58 | 70,933,244.98 | 9.83% |
| PACIFIC ACE SAVINGS BANK INC | 7,984,007.00 | 82,540,989.78 | 9.67% |
| UNIVERSITY SAVINGS BANK INC | 41,532,383.06 | 431,364,936.28 | 9.63% |
| ASIA UNITED BANK CORPORATION | 2,843,723,749.05 | 29,600,543,068.70 | 9.61% |
| RB OF RIZAL (ZAMBOANGA DEL NORTE) INC | 14,528,947.37 | 153,202,289.93 | 9.48% |
| NORTH PACIFIC BANKING CORPORATION (A RB OF STA MARIA ISABELA | 6,302,204.58 | 67,935,933.61 | 9.28% |
| CORDILLERA SAVINGS BANK INC | 12,123,604.31 | 132,120,909.90 | 9.18% |
| SUN SAVINGS BANK INC | 21,977,627.97 | 243,604,090.50 | 9.02% |
| INTER-ASIA DEVELOPMENT BANK | 7,591,147.82 | 84,534,827.98 | 8.98% |
| CTBC BANK (PHILIPPINES) CORP | 632,988,633.22 | 7,173,797,753.56 | 8.82% |
| BANGKO CARRASCAL INC (A RB) | 8,138,743.86 | 93,117,362.46 | 8.74% |
| ARDCIBANK INC A RURAL BANK | 7,612,166.28 | 90,738,313.14 | 8.39% |
| BANK ONE SAVINGS CORPORATION | 50,920,016.00 | 623,680,363.27 | 8.16% |
| PHIL NATIONAL BANK | 9,449,896,609.90 | 117,833,170,665.73 | 8.02% |
| MARAYO BANK INC (A RURAL BANK) | 43,527,819.58 | 570,231,488.06 | 7.63% |
| RB OF BAYOMBONG INC | 12,644,217.77 | 171,501,359.56 | 7.37% |
| CAVITE UNITED RURAL BANK CORP | 27,652,765.64 | 388,046,995.00 | 7.13% |
| LAND BANK OF THE PHILIPPINES | 9,134,879,593.32 | 131,617,492,100.30 | 6.94% |
| RB OF BARILI (CEBU) INC | 24,584,520.66 | 357,732,453.91 | 6.87% |
| BANGKO KABAYAN INC (A PRIVATE DEVELOPMENT BANK) | 34,853,596.58 | 519,363,868.06 | 6.71% |
| RB OF PANDI (BULACAN) INC | 16,187,629.14 | 244,218,002.63 | 6.63% |
| LEMERY SAVINGS & LOAN BANK, INC. | 5,620,497.35 | 91,169,252.11 | 6.16% |
| LAGUNA PRESTIGE BANKING CORPORATION (A RURAL BANK) | 13,995,854.32 | 229,870,894.84 | 6.09% |
| ROBINSONS BANK CORPORATION | 730,058,854.95 | 11,992,769,290.14 | 6.09% |
| CARD MRI RIZAL BANK INC A MICROFINANCE-ORIENTED RURAL BANK | 47,366,496.32 | 784,541,991.59 | 6.04% |
| CARD BANK INC (A MF RB) | 205,625,833.04 | 3,529,747,799.20 | 5.83% |
| RB OF MONTALBAN INC | 3,366,832.74 | 58,986,081.18 | 5.71% |
| ALLBANK (A THRIFT BANK) INC | 58,307,833.04 | 1,036,335,582.85 | 5.63% |
| CITIBANK, N.A. | 1,156,260,580.22 | 21,365,277,059.00 | 5.41% |
| IMUS RURAL BANK INC | 11,822,954.21 | 218,468,149.08 | 5.41% |
| PHIL TRUST COMPANY | 1,158,278,288.02 | 21,698,718,077.54 | 5.34% |
| BANK OF THE PHIL ISLANDS | 13,052,121,266.84 | 247,385,436,610.38 | 5.28% |
| RB OF ROSARIO (LA UNION) INC | 3,412,766.28 | 64,697,042.03 | 5.27% |
| BDO UNIBANK INC | 17,108,039,954.27 | 327,542,497,477.73 | 5.22% |
| KATIPUNAN BANK INC "A RURAL BANK" | 23,034,871.18 | 449,980,622.11 | 5.12% |
| FILIDIAN RURAL BANK OF ANTIPOLO INC | 7,231,559.78 | 142,763,158.92 | 5.07% |
| RNG COASTAL BANK INC(A RURAL BANK) | 7,721,975.84 | 155,507,600.18 | 4.97% |
| RIZAL COMM'L BANKING CORP | 3,778,814,274.91 | 83,237,012,843.24 | 4.54% |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 2,662,507.14 | 59,372,600.22 | 4.48% |
| STA MARIA RURAL BANK INC | 3,428,083.16 | 76,714,913.66 | 4.47% |
| LIFEBANK- A RURAL BANK | 10,709,749.51 | 274,672,275.93 | 3.90% |
| MANOR BANK - A RURAL BANK CORP | 4,353,293.59 | 118,120,117.18 | 3.69% |
| RBT BANK INC A RURAL BANK | 8,356,569.91 | 227,890,983.61 | 3.67% |
| HONGKONG & SHANGHAI BANKING CORP | 511,083,509.97 | 14,567,725,227.25 | 3.51% |
| PHIL STAR DEVELOPMENT BANK INC | 4,367,377.11 | 127,354,103.35 | 3.43% |
| CHINA BANKING CORP | 2,672,209,854.94 | 81,957,576,442.62 | 3.26% |
| RB OF GLORIA (OR MIN) INC | 3,052,978.40 | 101,730,561.02 | 3.00% |
| METROPOLITAN BANK & TCO | 8,041,215,004.71 | 281,281,577,024.65 | 2.86% |
| SECURITY BANK CORP | 2,796,885,255.23 | 111,294,030,670.00 | 2.51% |
| HSBC SAVINGS BANK(PHILS) INC | 37,517,115.56 | 1,545,040,579.67 | 2.43% |
| RB OF BROOKE'S POINT (PALAWAN) INC | 2,253,183.69 | 102,953,952.33 | 2.19% |
| RB OF STA IGNACIA INC | 2,286,497.89 | 126,095,459.07 | 1.81% |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 6,842,722.12 | 673,508,129.74 | 1.02% |
| CENTURY SAVINGS BANK CORPORATION | 9,670,265.48 | 983,656,870.43 | 0.98% |
| BANGKOK BANK PUBLIC CO LTD | 23,558,872.16 | 3,181,957,942.56 | 0.74% |
| KEB HANA BANK - MANILA BRANCH | 23,050,211.32 | 3,241,331,450.23 | 0.71% |
| INNOVATIVE BANK INC (A RURAL BANK) | 1,599,349.78 | 355,433,046.26 | 0.45% |
| MEGA INT'L COMM'L BANK CO LTD | 4,815,000.00 | 3,490,940,001.99 | 0.14% |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 107,342.00 | 162,369,604.50 | 0.07% |
| ING BANK N.V. | 107.16 | 2,517,864,730.75 | 0.00% |
| AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED | 0.00 | 4,111,922,273.29 | 0.00% |
| BANK OF AMERICA N.A. | 0.00 | 2,369,266,015.18 | 0.00% |
| BANK OF CHINA LIMITED-MANILA BRANCH | 0.00 | 10,368,135,874.81 | 0.00% |
| BDO PRIVATE BANK, INC. | 0.00 | 5,138,022,947.23 | 0.00% |
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | 0.00 | 5,238,258,746.69 | 0.00% |
| CHANG HWA COMMERCIAL BANK LTD - MANILA BRANCH | 0.00 | 2,150,807,588.36 | 0.00% |
| CIMB BANK PHILIPPINES INC | 0.00 | 2,386,578,288.43 | 0.00% |
| DEUTSCHE BANK AG | 0.00 | 2,888,508,096.39 | 0.00% |
| FIRST COMMERCIAL BANK LTD MANILA BRANCH | 0.00 | 2,022,175,409.58 | 0.00% |
| HUA NAN COMMERCIAL BANK LTD MANILA BRANCH | 0.00 | 2,086,861,509.77 | 0.00% |
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | 0.00 | 2,320,444,050.00 | 0.00% |
| ISLA BANK(A THRIFT BANK) INC | 0.00 | 694,591,710.74 | 0.00% |
| JP MORGAN CHASE BANK NATIONAL ASSN. | 0.00 | 2,500,433,393.60 | 0.00% |
| MIZUHO BANK LTD - MANILA BRANCH | 0.00 | 5,619,388,628.63 | 0.00% |
| MUFG BANK, LTD. | 0.00 | 5,024,008,990.73 | 0.00% |
| SHINHAN BANK - MANILA BRANCH | 0.00 | 4,239,777,415.18 | 0.00% |
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | 0.00 | 13,244,749,440.88 | 0.00% |
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | 0.00 | 2,413,501,369.61 | 0.00% |
| D' ASIAN HILLS BANK INC (A RURAL BANK) | 160,686,650.64 | -21,170,305.70 | -759.02% |
| Grand Total | 162,633,488,658.67 | 1,985,996,998,936.57 | 8.19% |
Seventy-two banks had NPLs greater than 30% of their Stockholder's Equity. D'Asian Hills Bank is running on fumes. It had Php 160.69 million in Gross NPLs backed up by a negative equity base of Php 21.17 million.
The recently shuttered Valiant Bank was a stand-out in terms of DOSRI, and not in a good way. Valiant Bank owners took out more money in loans than they put in in terms of equity. DOSRI loans were 181.66% of its Stockholder's Equity as of December 31, 2018. DOSRI loans also comprised 30.43% of its Gross Total Loan Portfolio in the same period.
| Philippine Banking System | |||
| DOSRI as % of Stockholders Equity | |||
| December 31, 2018 | |||
| DOSRI | SE | DOSRI/SE | |
| Bank | (In Php) | (In PHP) | (In %) |
| VALIANT BANK INC (A RURAL BANK) | 143,835,275.78 | 79,178,165.58 | 181.66% |
| CONSOLIDATED COOPERATIVE BANK | 208,006,234.28 | 241,882,780.76 | 85.99% |
| SOUTH BANK (A RURAL BANK) INC | 56,400,000.00 | 71,670,510.50 | 78.69% |
| DEVELOPMENT BANK OF THE PHIL | 38,739,573,969.26 | 50,946,041,570.12 | 76.04% |
| METRO SOUTH COOP BANK | 544,458,256.78 | 773,292,565.89 | 70.41% |
| LAND BANK OF THE PHILIPPINES | 92,324,028,394.73 | 131,617,492,100.30 | 70.15% |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 296,038,782.05 | 673,508,129.74 | 43.95% |
| ROBINSONS BANK CORPORATION | 4,727,312,686.06 | 11,992,769,290.14 | 39.42% |
| COOPERATIVE BANK OF BOHOL | 27,825,200.51 | 75,107,040.24 | 37.05% |
| EAST WEST BANKING CORP | 14,033,369,050.66 | 42,783,295,057.37 | 32.80% |
| RB OF SAN PASCUAL(OBANDO BULACAN)INC | 16,408,118.92 | 57,730,419.42 | 28.42% |
| CENTURY RURAL BANK INC | 18,994,000.00 | 70,933,244.98 | 26.78% |
| VILLAGE BANK INC (A RURAL BANK) | 19,000,000.00 | 70,993,367.38 | 26.76% |
| DUMAGUETE CITY DEV BANK INC | 70,805,133.75 | 275,904,993.41 | 25.66% |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 101,104,036.79 | 501,682,183.07 | 20.15% |
| OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE RURAL BANK) | 17,000,000.00 | 84,690,659.49 | 20.07% |
| AGRIBUSINESS RURAL BANK INC | 147,574,938.74 | 858,653,908.03 | 17.19% |
| PAMPANGA DEVELOPMENT BANK | 41,966,554.88 | 250,061,794.92 | 16.78% |
| BDO UNIBANK INC | 53,637,958,677.99 | 327,542,497,477.73 | 16.38% |
| RB OF BROOKE'S POINT (PALAWAN) INC | 13,720,011.74 | 102,953,952.33 | 13.33% |
| ILOCOS CONSOLIDATED COOPERATIVE BANK | 25,828,720.27 | 200,869,399.17 | 12.86% |
| SAVIOUR RURAL BANK INC | 10,645,763.13 | 82,792,097.55 | 12.86% |
| CHINA BANKING CORP | 10,193,816,303.71 | 81,957,576,442.62 | 12.44% |
| UNIVERSITY SAVINGS BANK INC | 52,690,186.01 | 431,364,936.28 | 12.21% |
| INTER-ASIA DEVELOPMENT BANK | 9,454,823.99 | 84,534,827.98 | 11.18% |
| RB OF JAEN INC | 5,375,191.72 | 50,072,269.26 | 10.73% |
| COOP BANK OF BENGUET (CBB) | 4,459,154.55 | 44,263,720.86 | 10.07% |
| PHIL TRUST COMPANY | 2,005,000,000.00 | 21,698,718,077.54 | 9.24% |
| RB OF DIGOS INC | 14,500,000.00 | 199,320,808.97 | 7.27% |
| STA MARIA RURAL BANK INC | 5,500,000.00 | 76,714,913.66 | 7.17% |
| RB OF GENERAL TRIAS INC | 8,446,681.49 | 118,133,345.82 | 7.15% |
| LIFE SAVINGS BANK INC | 5,157,904.39 | 73,272,042.90 | 7.04% |
| PHIL NATIONAL BANK | 7,888,475,595.30 | 117,833,170,665.73 | 6.69% |
| MALLIG PLAINS RURAL BANK (ISABELA) INC | 8,124,897.88 | 124,023,771.33 | 6.55% |
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 703,726,924.26 | 10,940,818,994.42 | 6.43% |
| ASPAC RURAL BANK INC | 14,938,121.00 | 241,274,684.11 | 6.19% |
| CEBUANA LHUILLIER RB INC | 8,942,772.69 | 145,107,833.92 | 6.16% |
| RB OF SAN LUIS (PAMPANGA) INC | 6,116,062.59 | 103,649,788.67 | 5.90% |
| RANG-AY BANK INC (A RURAL BANK) | 30,340,701.23 | 528,060,337.83 | 5.75% |
| COOP BANK OF QUEZON PROVINCE | 5,893,748.50 | 103,445,869.69 | 5.70% |
| MACTAN RURAL BANK (LAPU-LAPU CITY) INC | 10,000,000.00 | 181,765,729.46 | 5.50% |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 3,254,544.97 | 59,372,600.22 | 5.48% |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 149,303,035.73 | 2,734,098,751.47 | 5.46% |
| ENTERPRISE BANK INC (A THRIFT BANK) | 10,330,617.94 | 220,646,360.10 | 4.68% |
| RB OF PORAC (PAMPANGA) INC | 13,274,596.96 | 288,374,249.27 | 4.60% |
| COUNTRY BUILDERS BANK INC (A RURAL BANK) | 15,574,284.22 | 339,971,559.70 | 4.58% |
| RB OF BAY INC | 2,912,686.20 | 64,352,777.35 | 4.53% |
| RB OF ITOGON (BENGUET) INC | 4,940,087.24 | 110,579,890.01 | 4.47% |
| BANCO SANTIAGO DE LIBON INC | 4,134,186.09 | 93,178,402.38 | 4.44% |
| GUAGUA RURAL BANK INC | 45,319,427.76 | 1,026,552,006.80 | 4.41% |
| COMMTY RB OF DAPITAN CITY INC | 4,828,920.63 | 111,425,725.79 | 4.33% |
| BATAAN DEVELOPMENT BANK | 3,996,875.00 | 92,608,882.76 | 4.32% |
| PRODUCERS SAVINGS BANK CORPORATION | 84,524,065.04 | 1,977,454,300.17 | 4.27% |
| SECURITY BANK CORP | 4,034,259,644.11 | 111,294,030,670.00 | 3.62% |
| BANK OF THE PHIL ISLANDS | 8,247,640,049.08 | 247,385,436,610.38 | 3.33% |
| CENTURY SAVINGS BANK CORPORATION | 30,233,333.33 | 983,656,870.43 | 3.07% |
| QUEZON CAPITAL RB INC | 10,833,329.19 | 354,155,794.19 | 3.06% |
| LAGUNA PRESTIGE BANKING CORPORATION (A RURAL BANK) | 7,000,000.00 | 229,870,894.84 | 3.05% |
| GATEWAY RURAL BANK INC | 2,794,908.43 | 93,299,976.03 | 3.00% |
| METROPOLITAN BANK & TCO | 7,869,027,956.03 | 281,281,577,024.65 | 2.80% |
| RB OF ROSARIO (LA UNION) INC | 1,739,929.46 | 64,697,042.03 | 2.69% |
| MALAYAN BANK SAVINGS AND MORT BANK INC | 31,417,879.21 | 1,246,922,920.50 | 2.52% |
| BANK OF MAKATI (A SAVINGS BANK) INC | 238,518,893.80 | 9,602,488,372.26 | 2.48% |
| CITYSTATE SAVINGS BANK INC | 15,574,199.49 | 672,540,410.23 | 2.32% |
| COOP BANK OF CAGAYAN | 1,203,000.00 | 57,690,468.59 | 2.09% |
| RB OF BAMBANG (NUEVA VIZCAYA) INC | 2,051,616.25 | 98,798,026.60 | 2.08% |
| COOP BANK OF COTABATO | 11,315,155.62 | 604,954,266.13 | 1.87% |
| HIYAS BANKING CORPORATION | 3,311,251.50 | 181,419,255.43 | 1.83% |
| RB OF ALABEL (SARANGANI) INC | 1,713,971.84 | 95,456,388.41 | 1.80% |
| HONGKONG & SHANGHAI BANKING CORP | 257,144,837.07 | 14,567,725,227.25 | 1.77% |
| RIZAL COMM'L BANKING CORP | 1,468,639,996.59 | 83,237,012,843.24 | 1.76% |
| PBCOM RURAL BANK INC | 8,343,448.24 | 477,024,660.97 | 1.75% |
| BHF RURAL BANK INC | 5,504,546.62 | 318,340,705.73 | 1.73% |
| BANCO LAGUNA INC (A RURAL BANK SINCE 1965) | 1,953,516.43 | 114,090,068.22 | 1.71% |
| RB OF STA IGNACIA INC | 2,101,050.07 | 126,095,459.07 | 1.67% |
| BANK OF AMERICA N.A. | 36,920,796.90 | 2,369,266,015.18 | 1.56% |
| MALARAYAT RB INC | 2,719,064.81 | 175,598,205.18 | 1.55% |
| HSBC SAVINGS BANK(PHILS) INC | 23,799,240.00 | 1,545,040,579.67 | 1.54% |
| MARITIME SAVINGS BANK CORPORATION | 678,230.85 | 53,824,388.21 | 1.26% |
| LEMERY SAVINGS & LOAN BANK, INC. | 1,055,769.87 | 91,169,252.11 | 1.16% |
| PHIL SAVINGS BANK | 234,160,664.71 | 22,991,966,427.28 | 1.02% |
| GRAND-AGRI RURAL BANK | 521,007.24 | 51,220,072.94 | 1.02% |
| RB OF GLORIA (OR MIN) INC | 934,110.22 | 101,730,561.02 | 0.92% |
| RURAL BANK OF SAN ANTONIO INC | 1,294,167.87 | 146,781,367.52 | 0.88% |
| PEOPLES BANK OF CARAGA INC (A RURAL BANK) | 1,093,612.15 | 130,375,456.27 | 0.84% |
| LUZON DEVELOPMENT BANK | 4,293,499.93 | 512,553,485.62 | 0.84% |
| CORDILLERA SAVINGS BANK INC | 1,088,588.69 | 132,120,909.90 | 0.82% |
| MOUNT MAKILING RURAL BANK INC | 2,644,704.08 | 322,059,465.17 | 0.82% |
| BENGUET CENTER BANK INC A RB | 417,084.97 | 52,366,917.44 | 0.80% |
| MAYBANK PHILIPPINES INCORPORATED | 95,986,666.67 | 12,657,372,797.92 | 0.76% |
| FIRST TAGUM RURAL BANK INC | 2,029,692.66 | 288,730,363.97 | 0.70% |
| AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED | 27,108,069.49 | 4,111,922,273.29 | 0.66% |
| UNION BANK OF THE PHILS | 533,317,403.50 | 84,284,141,087.13 | 0.63% |
| SECURED BANK INC (A RB) | 708,187.03 | 121,198,253.16 | 0.58% |
| RB OF POLA (ORIENTAL MINDORO) INC | 1,393,854.74 | 288,398,943.57 | 0.48% |
| RB OF PARACALE(CAMARINES NORTE) INC | 412,164.15 | 91,491,084.84 | 0.45% |
| CITIBANK, N.A. | 92,478,788.56 | 21,365,277,059.00 | 0.43% |
| FARMERS SAVINGS & LOAN BANK INC | 558,220.16 | 129,904,902.95 | 0.43% |
| COOPERATIVE BANK OF NUEVA VIZCAYA | 371,334.17 | 93,990,997.02 | 0.40% |
| RB OF POZORRUBIO INC | 113,086.57 | 28,989,541.23 | 0.39% |
| PNB SAVINGS BANK | 44,250,105.62 | 11,586,836,716.84 | 0.38% |
| MVSM BANK (A RURAL BANK SINCE 1953) INC | 522,877.71 | 154,703,055.33 | 0.34% |
| ASIA UNITED BANK CORPORATION | 89,497,399.43 | 29,600,543,068.70 | 0.30% |
| CTBC BANK (PHILIPPINES) CORP | 20,065,055.77 | 7,173,797,753.56 | 0.28% |
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 5,040,436.83 | 1,918,619,895.86 | 0.26% |
| FIRST CONSOLIDATED BANK INC (A PDB) | 12,164,490.65 | 4,826,832,410.30 | 0.25% |
| NATIONAL TEACHERS & EMP. COOP BANK | 286,136.38 | 113,909,695.04 | 0.25% |
| FIRST ISABELA COOP BANK INC(FICOBANK) | 2,349,000.00 | 945,631,727.73 | 0.25% |
| GOLDEN RURAL BANK OF THE PHILIPPINES INC | 156,184.55 | 63,780,978.64 | 0.24% |
| UCPB SAVINGS BANK | 5,416,107.52 | 2,723,545,194.11 | 0.20% |
| CANTILAN BANK INC (A RURAL BANK) | 766,500.00 | 386,459,142.24 | 0.20% |
| WEALTH DEVELOPMENT BANK CORPORATION | 2,502,814.46 | 1,453,322,660.58 | 0.17% |
| NEW RB OF SAN LEONARDO(N.E.) INC | 357,376.29 | 213,093,007.26 | 0.17% |
| BANGKO KABAYAN INC (A PRIVATE DEVELOPMENT BANK) | 834,202.49 | 519,363,868.06 | 0.16% |
| RB OF MARIA AURORA (AURORA) INC | 310,000.00 | 206,597,601.84 | 0.15% |
| TANAY RB INC | 339,088.64 | 227,874,638.48 | 0.15% |
| ISLA BANK(A THRIFT BANK) INC | 1,028,095.39 | 694,591,710.74 | 0.15% |
| PHIL BANK OF COMMUNICATIONS | 17,530,905.49 | 12,148,296,667.40 | 0.14% |
| RBT BANK INC A RURAL BANK | 305,036.00 | 227,890,983.61 | 0.13% |
| ENTREPRENEUR RB INC | 63,501.53 | 48,268,877.93 | 0.13% |
| RB OF LEBAK (SULTAN KUDARAT) INC | 86,685.53 | 74,008,392.12 | 0.12% |
| CHINA BANK SAVINGS INC | 5,139,733.96 | 9,582,604,212.94 | 0.05% |
| RB OF DUMANGAS INC | 44,703.76 | 86,323,237.34 | 0.05% |
| RB OF RIZAL (ZAMBOANGA DEL NORTE) INC | 72,666.88 | 153,202,289.93 | 0.05% |
| LEGAZPI SAVINGS BANK INC | 207,207.29 | 544,117,725.12 | 0.04% |
| YUANTA SAVINGS BANK PHILIPPINES INC | 327,791.64 | 883,651,164.96 | 0.04% |
| CARD BANK INC (A MF RB) | 852,952.74 | 3,529,747,799.20 | 0.02% |
| RB OF SAN MATEO(ISABELA) INC | 20,833.66 | 109,125,303.56 | 0.02% |
| BANK OF COMMERCE | 1,945,278.54 | 15,522,989,477.35 | 0.01% |
| BANGKO MABUHAY (A RURAL BANK) INC | 29,480.61 | 292,838,707.31 | 0.01% |
| KEB HANA BANK - MANILA BRANCH | 300,350.00 | 3,241,331,450.23 | 0.01% |
| CARD SME BANK INC A THRIFT BANK | 10,326.69 | 1,206,976,405.48 | 0.00% |
| BPI FAMILY SAVINGS BANK INC | 56,604.64 | 32,718,551,569.90 | 0.00% |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 0.00 | 162,369,604.50 | 0.00% |
| ALIAGA FARMERS RURAL BANK INC | 0.00 | 100,464,871.77 | 0.00% |
| ALLBANK (A THRIFT BANK) INC | 0.00 | 1,036,335,582.85 | 0.00% |
| AMA RURAL BANK OF MANDALUYONG INC | 0.00 | 968,931,583.53 | 0.00% |
| ARDCIBANK INC A RURAL BANK | 0.00 | 90,738,313.14 | 0.00% |
| BALANGA RURAL BANK, INC. | 0.00 | 70,320,812.82 | 0.00% |
| BANGKO CARRASCAL INC (A RB) | 0.00 | 93,117,362.46 | 0.00% |
| BANGKO MONTANOSA INC (A RURAL BANK) | 0.00 | 106,555,253.84 | 0.00% |
| BANGKOK BANK PUBLIC CO LTD | 0.00 | 3,181,957,942.56 | 0.00% |
| BANK OF CHINA LIMITED-MANILA BRANCH | 0.00 | 10,368,135,874.81 | 0.00% |
| BANK ONE SAVINGS CORPORATION | 0.00 | 623,680,363.27 | 0.00% |
| BANKWAYS INC (A RURAL BANK) | 0.00 | 214,812,598.66 | 0.00% |
| BDO PRIVATE BANK, INC. | 0.00 | 5,138,022,947.23 | 0.00% |
| BOF INC (A RURAL BANK) | 0.00 | 586,581,940.42 | 0.00% |
| BPI DIRECT BANKO INC A SAVINGS BANK | 0.00 | 2,368,682,739.22 | 0.00% |
| BUSINESS AND CONSUMERS BANK (A DB) | 0.00 | 88,379,217.15 | 0.00% |
| CAMALIG BANK INC (A RURAL BANK) | 0.00 | 290,855,511.21 | 0.00% |
| CARD MRI RIZAL BANK INC A MICROFINANCE-ORIENTED RURAL BANK | 0.00 | 784,541,991.59 | 0.00% |
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | 0.00 | 5,238,258,746.69 | 0.00% |
| CAVITE UNITED RURAL BANK CORP | 0.00 | 388,046,995.00 | 0.00% |
| CHANG HWA COMMERCIAL BANK LTD - MANILA BRANCH | 0.00 | 2,150,807,588.36 | 0.00% |
| CIMB BANK PHILIPPINES INC | 0.00 | 2,386,578,288.43 | 0.00% |
| COMMON WEALTH RURAL BANK INC | 0.00 | 152,214,725.98 | 0.00% |
| COMMTY RB OF CATMON (CEBU) INC | 0.00 | 90,632,940.06 | 0.00% |
| D' ASIAN HILLS BANK INC (A RURAL BANK) | 0.00 | -21,170,305.70 | 0.00% |
| DEUTSCHE BANK AG | 0.00 | 2,888,508,096.39 | 0.00% |
| DUNGGANON BANK (A MICROFINANCE RURAL BANK) INC | 0.00 | 124,632,738.39 | 0.00% |
| EAST WEST RURAL BANK INC | 0.00 | 4,085,074,782.50 | 0.00% |
| EQUICOM SAVINGS BANK INC | 0.00 | 729,067,612.89 | 0.00% |
| FILIDIAN RURAL BANK OF ANTIPOLO INC | 0.00 | 142,763,158.92 | 0.00% |
| FIRST COMMERCIAL BANK LTD MANILA BRANCH | 0.00 | 2,022,175,409.58 | 0.00% |
| GM BANK OF LUZON INC (A RURAL BANK) | 0.00 | 416,937,112.51 | 0.00% |
| GUAGUA SAVERS BANK(A RB) INC | 0.00 | 74,208,523.32 | 0.00% |
| HIGHLAND RURAL BANK INC | 0.00 | 149,273,768.86 | 0.00% |
| HUA NAN COMMERCIAL BANK LTD MANILA BRANCH | 0.00 | 2,086,861,509.77 | 0.00% |
| IMUS RURAL BANK INC | 0.00 | 218,468,149.08 | 0.00% |
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | 0.00 | 2,320,444,050.00 | 0.00% |
| ING BANK N.V. | 0.00 | 2,517,864,730.75 | 0.00% |
| INNOVATIVE BANK INC (A RURAL BANK) | 0.00 | 355,433,046.26 | 0.00% |
| INSULAR SAVERS BANK INC (A RURAL BANK) | 0.00 | 669,896,999.26 | 0.00% |
| JP MORGAN CHASE BANK NATIONAL ASSN. | 0.00 | 2,500,433,393.60 | 0.00% |
| KATIPUNAN BANK INC "A RURAL BANK" | 0.00 | 449,980,622.11 | 0.00% |
| LAGAWE HIGHLANDS RB INC | 0.00 | 50,354,859.85 | 0.00% |
| LIBERTY BANK (A RURAL BANK) INC | 0.00 | 43,506,310.83 | 0.00% |
| LIFEBANK- A RURAL BANK | 0.00 | 274,672,275.93 | 0.00% |
| MANOR BANK - A RURAL BANK CORP | 0.00 | 118,120,117.18 | 0.00% |
| MARAYO BANK INC (A RURAL BANK) | 0.00 | 570,231,488.06 | 0.00% |
| MEGA INT'L COMM'L BANK CO LTD | 0.00 | 3,490,940,001.99 | 0.00% |
| MERCHANTS SAVINGS & LOAN ASSN INC | 0.00 | 599,203,835.68 | 0.00% |
| METRO CEBU PUBLIC SAVINGS BANK | 0.00 | 74,925,108.22 | 0.00% |
| MIZUHO BANK LTD - MANILA BRANCH | 0.00 | 5,619,388,628.63 | 0.00% |
| MT CARMEL RURAL BANK INC | 0.00 | 224,416,671.16 | 0.00% |
| MUFG BANK, LTD. | 0.00 | 5,024,008,990.73 | 0.00% |
| NORTH PACIFIC BANKING CORPORATION (A RB OF STA MARIA ISABELA | 0.00 | 67,935,933.61 | 0.00% |
| NORTHPOINT DEV'T BANK INC | 0.00 | 369,715,634.56 | 0.00% |
| ONE NETWORK BANK INC (A RURAL BANK OF BDO) | 0.00 | 4,715,371,307.50 | 0.00% |
| PACIFIC ACE SAVINGS BANK INC | 0.00 | 82,540,989.78 | 0.00% |
| PHIL STAR DEVELOPMENT BANK INC | 0.00 | 127,354,103.35 | 0.00% |
| PHILIPPINE RESOURCES SAVINGS BANKING CORPORATION (PR SAVINGS | 0.00 | 1,888,268,513.97 | 0.00% |
| PLANBANK "RB OF CANLUBANG PLANTERS INC" | 0.00 | 117,562,233.24 | 0.00% |
| PROGRESSIVE BANK INC (PROGRESSIVE A RURAL BANK INC) | 0.00 | 73,083,839.47 | 0.00% |
| RB OF ANGELES INC | 0.00 | 521,704,137.65 | 0.00% |
| RB OF ANTIPOLO INC | 0.00 | 98,712,952.97 | 0.00% |
| RB OF BAGABAG (N.V.)INC | 0.00 | 142,476,585.59 | 0.00% |
| RB OF BARILI (CEBU) INC | 0.00 | 357,732,453.91 | 0.00% |
| RB OF BAYOMBONG INC | 0.00 | 171,501,359.56 | 0.00% |
| RB OF CARDONA (RIZAL) INC | 0.00 | 98,596,036.74 | 0.00% |
| RB OF CAUAYAN INC | 0.00 | 265,280,062.83 | 0.00% |
| RB OF CENTRAL PANGASINAN (BAYAMBANG) INC | 0.00 | 168,379,626.19 | 0.00% |
| RB OF DOLORES (QUEZON) INC | 0.00 | 76,113,924.51 | 0.00% |
| RB OF DULAG (LEYTE) INC | 0.00 | 105,911,839.10 | 0.00% |
| RB OF GATTARAN (CAGAYAN) INC | 0.00 | 87,406,445.48 | 0.00% |
| RB OF GUINOBATAN INC | 0.00 | 99,286,991.28 | 0.00% |
| RB OF MABALACAT INC | 0.00 | 59,901,107.13 | 0.00% |
| RB OF MABITAC (LAGUNA) INC | 0.00 | 23,978,742.46 | 0.00% |
| RB OF MAGDALENA (LAGUNA) INC | 0.00 | 95,279,569.85 | 0.00% |
| RB OF MARAGONDON INC | 0.00 | 46,891,569.19 | 0.00% |
| RB OF MIAGAO (ILOILO) INC | 0.00 | 90,973,140.02 | 0.00% |
| RB OF MIDSAYAP INC | 0.00 | 93,267,451.20 | 0.00% |
| RB OF MONTALBAN INC | 0.00 | 58,986,081.18 | 0.00% |
| RB OF PANDI (BULACAN) INC | 0.00 | 244,218,002.63 | 0.00% |
| RB OF PILAR (BATAAN) INC | 0.00 | 132,932,259.25 | 0.00% |
| RB OF PILAR (SORSOGON) INC | 0.00 | 72,501,328.32 | 0.00% |
| RB OF SOLANO (NUEVA VIZCAYA) INC | 0.00 | 187,279,487.12 | 0.00% |
| RB OF STA ROSA DE LIMA (PANIQUI TARLAC) INC | 0.00 | 160,319,944.21 | 0.00% |
| RB OF TANGUB CITY (MIS OCC) INC | 0.00 | 85,843,919.76 | 0.00% |
| RBG IMPERIAL BANK INC(A RURAL BANK) | 0.00 | 175,039,685.29 | 0.00% |
| RCBC SAVINGS BANK INC | 0.00 | 13,283,914,920.08 | 0.00% |
| RNG COASTAL BANK INC(A RURAL BANK) | 0.00 | 155,507,600.18 | 0.00% |
| RURAL BANK OF PLACER (SURIGAO DEL NORTE) INC | 0.00 | 107,134,714.09 | 0.00% |
| SHINHAN BANK - MANILA BRANCH | 0.00 | 4,239,777,415.18 | 0.00% |
| STANDARD CHARTERED BANK | 0.00 | 6,447,770,362.14 | 0.00% |
| SUGBUANON RB INC | 0.00 | 89,920,205.77 | 0.00% |
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | 0.00 | 13,244,749,440.88 | 0.00% |
| SUMMIT BANK (RB OF TUBLAY INC) | 0.00 | 295,019,049.29 | 0.00% |
| SUN SAVINGS BANK INC | 0.00 | 243,604,090.50 | 0.00% |
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | 0.00 | 2,413,501,369.61 | 0.00% |
| Grand Total | 250,076,506,656.45 | 1,985,996,998,936.57 | 12.59% |
Source:www.bsp.gov.ph
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