This blog post updates previous blog posts such as Valiant Bank Owners Took Out More Money Than They Put In - As of December 31, 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 197.13 billion as of March 31, 2019 - approximately 1.98% of the Philippine Banking Industry's Total Loan Portfolio of Php 9.94 trillion.
| Philippine Banking System | |||
| NPL as % of TLP | |||
| March 31, 2019 | |||
| Gross NPL/ Gross TLP | |||
| Bank | Gross NPLs | Gross TLP | (In %) |
| RB OF MARAGONDON INC | 29,809,505.77 | 42,577,273.59 | 70.01% |
| RB OF GENERAL TRIAS INC | 38,481,643.58 | 63,123,575.29 | 60.96% |
| COOP BANK OF BENGUET (CBB) | 68,255,818.11 | 157,062,851.29 | 43.46% |
| PEOPLES BANK OF CARAGA INC (A RURAL BANK) | 420,092,242.26 | 996,910,389.30 | 42.14% |
| PROGRESSIVE BANK INC (PROGRESSIVE A RURAL BANK INC) | 118,070,031.37 | 310,761,089.01 | 37.99% |
| VALIANT BANK INC (A RURAL BANK) | 139,873,321.87 | 373,094,773.62 | 37.49% |
| CONSOLIDATED COOPERATIVE BANK | 422,926,886.34 | 1,183,407,852.00 | 35.74% |
| D' ASIAN HILLS BANK INC (A RURAL BANK) | 161,569,137.23 | 459,796,056.61 | 35.14% |
| ALIAGA FARMERS RURAL BANK INC | 118,272,483.59 | 346,458,235.46 | 34.14% |
| RB OF MIAGAO (ILOILO) INC | 43,554,119.24 | 128,299,104.16 | 33.95% |
| RB OF CARDONA (RIZAL) INC | 110,911,009.71 | 332,519,968.05 | 33.35% |
| RB OF POZORRUBIO INC | 20,180,975.55 | 60,824,633.98 | 33.18% |
| MT CARMEL RURAL BANK INC | 241,509,835.93 | 739,138,794.24 | 32.67% |
| GRAND-AGRI RURAL BANK | 72,890,255.72 | 240,890,477.51 | 30.26% |
| COOP BANK OF CAGAYAN | 88,663,893.48 | 306,214,559.06 | 28.95% |
| RB OF POLA (ORIENTAL MINDORO) INC | 51,308,962.72 | 191,817,394.99 | 26.75% |
| RB OF MABALACAT INC | 38,104,495.78 | 148,179,724.36 | 25.72% |
| PLANBANK "RB OF CANLUBANG PLANTERS INC" | 80,413,275.21 | 315,368,764.93 | 25.50% |
| ENTREPRENEUR RB INC | 60,442,560.74 | 237,546,640.21 | 25.44% |
| RB OF STA ROSA DE LIMA (PANIQUI TARLAC) INC | 22,313,113.42 | 93,102,010.83 | 23.97% |
| AMA RURAL BANK OF MANDALUYONG INC | 529,646,693.76 | 2,273,922,008.20 | 23.29% |
| RB OF ALABEL (SARANGANI) INC | 48,026,443.33 | 209,596,998.67 | 22.91% |
| RB OF MAGDALENA (LAGUNA) INC | 45,662,529.91 | 206,996,282.03 | 22.06% |
| EAST WEST RURAL BANK INC | 1,116,788,623.70 | 5,084,513,158.30 | 21.96% |
| ASPAC RURAL BANK INC | 108,626,643.76 | 512,787,932.60 | 21.18% |
| BANGKO MABUHAY (A RURAL BANK) INC | 111,819,603.32 | 532,369,274.33 | 21.00% |
| PBCOM RURAL BANK INC | 448,729,973.13 | 2,206,838,801.80 | 20.33% |
| BENGUET CENTER BANK INC A RB | 37,718,432.85 | 185,654,805.75 | 20.32% |
| ENTERPRISE BANK INC (A THRIFT BANK) | 362,600,884.23 | 1,787,542,093.88 | 20.28% |
| RBG IMPERIAL BANK INC(A RURAL BANK) | 45,601,807.49 | 238,611,481.50 | 19.11% |
| SUMMIT BANK (RB OF TUBLAY INC) | 139,289,358.92 | 737,761,760.16 | 18.88% |
| BALANGA RURAL BANK, INC. | 29,888,521.28 | 158,720,685.63 | 18.83% |
| NORTHPOINT DEV'T BANK INC | 89,640,771.02 | 476,430,910.13 | 18.82% |
| BATAAN DEVELOPMENT BANK | 42,790,738.01 | 231,322,672.11 | 18.50% |
| COOPERATIVE BANK OF BOHOL | 55,948,079.34 | 310,496,156.67 | 18.02% |
| UCPB SAVINGS BANK | 2,681,966,322.06 | 15,084,114,372.84 | 17.78% |
| LEGAZPI SAVINGS BANK INC | 318,855,433.88 | 1,805,105,559.82 | 17.66% |
| AGRIBUSINESS RURAL BANK INC | 447,303,427.75 | 2,548,440,619.80 | 17.55% |
| LIFE SAVINGS BANK INC | 7,774,492.99 | 44,606,712.21 | 17.43% |
| CANTILAN BANK INC (A RURAL BANK) | 272,386,951.09 | 1,566,963,247.60 | 17.38% |
| MARITIME SAVINGS BANK CORPORATION | 21,061,256.32 | 121,988,816.80 | 17.26% |
| TANAY RB INC | 217,949,966.93 | 1,331,720,896.60 | 16.37% |
| RB OF BAGABAG (N.V.)INC | 64,591,014.61 | 397,413,786.30 | 16.25% |
| SAVIOUR RURAL BANK INC | 46,917,032.85 | 290,462,134.89 | 16.15% |
| PNB SAVINGS BANK | 8,673,395,085.72 | 54,025,559,985.18 | 16.05% |
| PHIL STAR DEVELOPMENT BANK INC | 11,760,293.28 | 75,742,055.47 | 15.53% |
| FARMERS SAVINGS & LOAN BANK INC | 28,947,488.80 | 188,933,336.32 | 15.32% |
| DUNGGANON BANK (A MICROFINANCE RURAL BANK) INC | 34,344,371.42 | 224,675,526.18 | 15.29% |
| RB OF PILAR (BATAAN) INC | 33,827,713.79 | 224,397,209.64 | 15.07% |
| RURAL BANK OF PLACER (SURIGAO DEL NORTE) INC | 38,402,074.32 | 255,551,082.85 | 15.03% |
| MINDANAO CONSOLIDATED COOPERATIVE BANK | 167,528,407.86 | 1,133,778,098.60 | 14.78% |
| CAVITE UNITED RURAL BANK CORP | 42,921,808.84 | 301,016,394.91 | 14.26% |
| VILLAGE BANK INC (A RURAL BANK) | 68,142,289.83 | 489,418,988.80 | 13.92% |
| COOP BANK OF PALAWAN | 103,192,696.56 | 772,668,845.14 | 13.36% |
| PACIFIC ACE SAVINGS BANK INC | 7,971,071.00 | 60,408,397.00 | 13.20% |
| LAGAWE HIGHLANDS RB INC | 35,536,370.00 | 273,227,151.85 | 13.01% |
| LUZON DEVELOPMENT BANK | 484,904,835.08 | 3,733,425,440.88 | 12.99% |
| BHF RURAL BANK INC | 56,579,517.16 | 435,845,150.92 | 12.98% |
| RB OF BAMBANG (NUEVA VIZCAYA) INC | 45,715,781.18 | 352,161,870.90 | 12.98% |
| RB OF MARIA AURORA (AURORA) INC | 56,137,615.28 | 435,580,172.81 | 12.89% |
| PAMPANGA DEVELOPMENT BANK | 49,976,218.10 | 398,456,770.25 | 12.54% |
| RURAL BANK OF SAN ANTONIO INC | 40,922,560.18 | 326,546,586.29 | 12.53% |
| COMMTY RB OF DAPITAN CITY INC | 40,370,573.51 | 324,707,327.82 | 12.43% |
| RB OF CAUAYAN INC | 85,600,773.48 | 694,395,841.87 | 12.33% |
| RB OF ITOGON (BENGUET) INC | 35,950,965.66 | 299,848,779.70 | 11.99% |
| YUANTA SAVINGS BANK PHILIPPINES INC | 107,005,791.38 | 892,778,866.42 | 11.99% |
| RB OF DOLORES (QUEZON) INC | 9,238,659.90 | 79,067,379.95 | 11.68% |
| METRO SOUTH COOP BANK | 315,241,132.97 | 2,714,817,479.10 | 11.61% |
| OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE RURAL BANK) | 27,552,819.32 | 237,598,828.61 | 11.60% |
| GUAGUA SAVERS BANK(A RB) INC | 9,891,615.45 | 88,454,561.68 | 11.18% |
| EQUICOM SAVINGS BANK INC | 725,954,388.87 | 6,499,686,180.57 | 11.17% |
| COOP BANK OF QUEZON PROVINCE | 38,939,929.95 | 355,056,272.95 | 10.97% |
| COMMTY RB OF CATMON (CEBU) INC | 40,891,541.37 | 376,353,067.95 | 10.87% |
| RB OF DUMANGAS INC | 33,232,987.62 | 307,880,245.94 | 10.79% |
| RB OF BAYOMBONG INC | 15,166,198.96 | 149,803,817.86 | 10.12% |
| SOUTH BANK (A RURAL BANK) INC | 34,029,290.79 | 338,034,026.53 | 10.07% |
| GM BANK OF LUZON INC (A RURAL BANK) | 259,497,842.79 | 2,581,627,099.80 | 10.05% |
| FIRST TAGUM RURAL BANK INC | 54,320,125.04 | 547,752,140.78 | 9.92% |
| NEW RB OF SAN LEONARDO(N.E.) INC | 103,846,747.66 | 1,053,355,528.10 | 9.86% |
| RB OF SAN LUIS (PAMPANGA) INC | 19,148,146.92 | 195,388,462.45 | 9.80% |
| NATIONAL TEACHERS & EMP. COOP BANK | 25,325,719.29 | 259,395,298.02 | 9.76% |
| UNIVERSITY SAVINGS BANK INC | 41,945,760.86 | 430,808,737.23 | 9.74% |
| COOPERATIVE BANK OF NUEVA VIZCAYA | 32,408,985.91 | 333,234,410.94 | 9.73% |
| ONE NETWORK BANK INC (A RURAL BANK OF BDO) | 2,022,580,710.10 | 20,886,275,543.00 | 9.68% |
| HIYAS BANKING CORPORATION | 29,241,158.76 | 308,078,682.40 | 9.49% |
| RB OF SAN PASCUAL(OBANDO BULACAN)INC | 32,251,724.62 | 345,553,613.23 | 9.33% |
| STANDARD CHARTERED BANK | 2,613,304,535.11 | 28,023,125,634.20 | 9.33% |
| RB OF ANTIPOLO INC | 12,198,975.33 | 131,625,894.71 | 9.27% |
| MALARAYAT RB INC | 46,067,539.78 | 501,457,272.88 | 9.19% |
| RB OF LEBAK (SULTAN KUDARAT) INC | 40,731,788.67 | 443,675,095.08 | 9.18% |
| RB OF CENTRAL PANGASINAN (BAYAMBANG) INC | 41,488,619.10 | 465,300,144.74 | 8.92% |
| MACTAN RURAL BANK (LAPU-LAPU CITY) INC | 55,702,614.43 | 631,235,922.38 | 8.82% |
| MOUNT MAKILING RURAL BANK INC | 52,269,827.62 | 593,477,277.09 | 8.81% |
| CITYSTATE SAVINGS BANK INC | 180,522,225.61 | 2,057,599,163.48 | 8.77% |
| RB OF PARACALE(CAMARINES NORTE) INC | 23,084,866.42 | 266,198,608.62 | 8.67% |
| RB OF MIDSAYAP INC | 12,705,416.89 | 147,283,207.46 | 8.63% |
| ZAMBALES RURAL BANK INC | 42,608,159.94 | 501,894,289.42 | 8.49% |
| BANGKO MONTANOSA INC (A RURAL BANK) | 25,513,955.17 | 303,270,984.47 | 8.41% |
| RB OF TANGUB CITY (MIS OCC) INC | 28,642,586.86 | 341,904,395.69 | 8.38% |
| RB OF GLORIA (OR MIN) INC | 3,284,138.91 | 39,261,705.56 | 8.36% |
| INSULAR SAVERS BANK INC (A RURAL BANK) | 133,133,318.68 | 1,605,146,491.60 | 8.29% |
| COMMON WEALTH RURAL BANK INC | 32,741,399.97 | 398,444,449.08 | 8.22% |
| HIGHLAND RURAL BANK INC | 21,331,655.97 | 271,059,548.90 | 7.87% |
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 537,176,590.25 | 6,842,534,852.09 | 7.85% |
| SECURED BANK INC (A RB) | 20,280,059.67 | 259,042,549.07 | 7.83% |
| RB OF ANGELES INC | 176,578,074.36 | 2,261,790,576.90 | 7.81% |
| FIRST CONSOLIDATED BANK INC (A PDB) | 997,261,330.12 | 12,819,600,320.33 | 7.78% |
| SUGBUANON RB INC | 42,645,091.04 | 554,131,859.19 | 7.70% |
| RB OF SOLANO (NUEVA VIZCAYA) INC | 29,556,304.94 | 393,991,313.87 | 7.50% |
| RB OF PORAC (PAMPANGA) INC | 81,336,182.28 | 1,093,710,042.40 | 7.44% |
| BANK OF MAKATI (A SAVINGS BANK) INC | 2,087,850,360.56 | 28,622,430,327.65 | 7.29% |
| RANG-AY BANK INC (A RURAL BANK) | 146,486,339.58 | 2,013,199,373.10 | 7.28% |
| BPI DIRECT BANKO INC A SAVINGS BANK | 785,301,001.57 | 11,079,512,246.31 | 7.09% |
| RB OF BAY INC | 17,442,438.24 | 246,920,162.74 | 7.06% |
| MARAYO BANK INC (A RURAL BANK) | 120,489,886.06 | 1,729,208,344.00 | 6.97% |
| GUAGUA RURAL BANK INC | 275,705,961.62 | 3,974,410,174.90 | 6.94% |
| MVSM BANK (A RURAL BANK SINCE 1953) INC | 34,023,193.87 | 492,533,826.84 | 6.91% |
| RB OF GATTARAN (CAGAYAN) INC | 20,241,997.99 | 305,020,616.28 | 6.64% |
| BANCO LAGUNA INC (A RURAL BANK SINCE 1965) | 20,307,104.84 | 306,832,359.61 | 6.62% |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 116,114,754.28 | 1,778,319,442.56 | 6.53% |
| MERCHANTS SAVINGS & LOAN ASSN INC | 81,783,941.30 | 1,264,001,171.18 | 6.47% |
| CEBUANA LHUILLIER RB INC | 19,355,529.71 | 305,972,567.67 | 6.33% |
| ILOCOS CONSOLIDATED COOPERATIVE BANK | 78,788,010.36 | 1,253,992,457.90 | 6.28% |
| RB OF PILAR (SORSOGON) INC | 18,371,129.04 | 296,766,633.79 | 6.19% |
| RB OF DULAG (LEYTE) INC | 9,811,403.54 | 159,708,045.46 | 6.14% |
| CITY SAVINGS BANK INC | 3,762,979,564.83 | 61,259,276,380.38 | 6.14% |
| MANOR BANK - A RURAL BANK CORP | 6,322,090.71 | 102,932,236.22 | 6.14% |
| COUNTRY BUILDERS BANK INC (A RURAL BANK) | 62,380,792.27 | 1,063,003,191.00 | 5.87% |
| NORTH PACIFIC BANKING CORPORATION (A RB OF STA MARIA ISABELA | 14,407,693.40 | 247,604,874.19 | 5.82% |
| CHINA BANK SAVINGS INC | 3,686,212,687.58 | 63,967,878,580.14 | 5.76% |
| COOP BANK OF COTABATO | 84,847,238.80 | 1,484,411,711.00 | 5.72% |
| MALAYAN BANK SAVINGS AND MORT BANK INC | 251,624,347.13 | 4,475,991,209.41 | 5.62% |
| CAMALIG BANK INC (A RURAL BANK) | 48,448,757.18 | 862,461,022.79 | 5.62% |
| FIRST ISABELA COOP BANK INC(FICOBANK) | 172,495,763.18 | 3,216,617,434.70 | 5.36% |
| BOF INC (A RURAL BANK) | 131,178,606.55 | 2,464,644,562.00 | 5.32% |
| RB OF SAN MATEO(ISABELA) INC | 26,485,734.95 | 498,088,681.49 | 5.32% |
| CORDILLERA SAVINGS BANK INC | 10,760,753.08 | 210,008,892.43 | 5.12% |
| LAGUNA PRESTIGE BANKING CORPORATION (A RURAL BANK) | 16,794,104.06 | 330,433,520.15 | 5.08% |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 1,538,165,603.27 | 30,749,733,717.87 | 5.00% |
| BANKWAYS INC (A RURAL BANK) | 35,840,708.21 | 721,954,329.75 | 4.96% |
| EAST WEST BANKING CORP | 10,762,604,191.64 | 219,819,559,521.89 | 4.90% |
| FILIDIAN RURAL BANK OF ANTIPOLO INC | 7,185,461.16 | 146,839,353.95 | 4.89% |
| RNG COASTAL BANK INC(A RURAL BANK) | 10,924,904.13 | 226,870,121.42 | 4.82% |
| LIFEBANK- A RURAL BANK | 20,383,246.14 | 427,030,011.45 | 4.77% |
| BUSINESS AND CONSUMERS BANK (A DB) | 8,045,953.61 | 172,696,073.56 | 4.66% |
| BPI FAMILY SAVINGS BANK INC | 10,602,657,365.98 | 229,742,550,729.65 | 4.62% |
| RB OF DIGOS INC | 34,763,538.55 | 787,019,961.62 | 4.42% |
| PHIL BANK OF COMMUNICATIONS | 2,361,092,456.07 | 53,975,399,284.36 | 4.37% |
| RCBC SAVINGS BANK INC | 4,378,546,725.78 | 101,468,024,749.13 | 4.32% |
| MALLIG PLAINS RURAL BANK (ISABELA) INC | 24,118,185.99 | 563,302,975.23 | 4.28% |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 2,702,556.15 | 64,416,398.51 | 4.20% |
| WEALTH DEVELOPMENT BANK CORPORATION | 336,024,514.57 | 8,059,477,223.44 | 4.17% |
| PHIL SAVINGS BANK | 6,586,003,165.52 | 159,295,451,812.47 | 4.13% |
| RB OF RIZAL (ZAMBOANGA DEL NORTE) INC | 19,178,363.32 | 476,816,405.41 | 4.02% |
| BANK ONE SAVINGS CORPORATION | 49,920,011.00 | 1,284,791,186.46 | 3.89% |
| LEMERY SAVINGS & LOAN BANK, INC. | 3,463,420.48 | 90,740,079.30 | 3.82% |
| METRO CEBU PUBLIC SAVINGS BANK | 8,869,721.90 | 234,087,894.13 | 3.79% |
| RIZAL COMM'L BANKING CORP | 11,422,777,953.38 | 303,694,690,046.37 | 3.76% |
| STA MARIA RURAL BANK INC | 3,189,680.51 | 86,452,864.06 | 3.69% |
| RB OF GUINOBATAN INC | 16,183,573.43 | 438,879,370.16 | 3.69% |
| DUMAGUETE CITY DEV BANK INC | 24,328,717.98 | 663,468,315.45 | 3.67% |
| UNION BANK OF THE PHILS | 9,035,396,029.04 | 257,018,322,720.46 | 3.52% |
| PRODUCERS SAVINGS BANK CORPORATION | 472,710,142.14 | 13,737,408,320.39 | 3.44% |
| IMUS RURAL BANK INC | 12,039,417.83 | 352,280,612.25 | 3.42% |
| QUEZON CAPITAL RB INC | 69,952,554.29 | 2,174,016,621.40 | 3.22% |
| CARD SME BANK INC A THRIFT BANK | 151,860,710.55 | 4,746,238,848.84 | 3.20% |
| KATIPUNAN BANK INC "A RURAL BANK" | 54,824,061.12 | 1,750,451,366.70 | 3.13% |
| RB OF ROSARIO (LA UNION) INC | 5,723,368.41 | 191,444,469.10 | 2.99% |
| UNITED COCONUT PLANTERS BANK | 4,861,231,613.77 | 165,358,036,401.45 | 2.94% |
| CENTURY RURAL BANK INC | 7,687,107.22 | 263,703,900.40 | 2.92% |
| BANGKO KABAYAN INC (A PRIVATE DEVELOPMENT BANK) | 55,103,249.30 | 1,896,777,752.71 | 2.91% |
| ALLBANK (A THRIFT BANK) INC | 69,781,139.50 | 2,417,222,356.86 | 2.89% |
| INNOVATIVE BANK INC (A RURAL BANK) | 1,262,166.80 | 43,855,610.11 | 2.88% |
| INTER-ASIA DEVELOPMENT BANK | 7,366,210.92 | 262,644,902.14 | 2.80% |
| RB OF MONTALBAN INC | 3,207,586.05 | 116,899,763.21 | 2.74% |
| RB OF BARILI (CEBU) INC | 22,230,073.37 | 851,542,589.69 | 2.61% |
| RB OF PANDI (BULACAN) INC | 18,067,947.90 | 737,464,486.58 | 2.45% |
| CARD MRI RIZAL BANK INC A MICROFINANCE-ORIENTED RURAL BANK | 70,998,283.02 | 2,959,741,880.40 | 2.40% |
| MAYBANK PHILIPPINES INCORPORATED | 1,694,079,992.26 | 71,278,552,144.93 | 2.38% |
| CARD BANK INC (A MF RB) | 228,937,746.59 | 10,030,183,708.00 | 2.28% |
| DEVELOPMENT BANK OF THE PHIL | 7,342,909,357.89 | 323,175,639,597.77 | 2.27% |
| PHIL TRUST COMPANY | 1,164,590,801.79 | 52,576,301,160.16 | 2.22% |
| GATEWAY RURAL BANK INC | 12,842,292.80 | 584,385,352.14 | 2.20% |
| BANK OF COMMERCE | 1,642,479,527.53 | 78,778,891,606.99 | 2.08% |
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 1,594,861,242.97 | 77,936,323,655.50 | 2.05% |
| ASIA UNITED BANK CORPORATION | 3,050,421,911.96 | 151,278,431,348.10 | 2.02% |
| RBT BANK INC A RURAL BANK | 8,363,593.20 | 460,804,031.32 | 1.82% |
| CTBC BANK (PHILIPPINES) CORP | 679,581,419.28 | 37,469,262,136.16 | 1.81% |
| RB OF JAEN INC | 4,346,670.31 | 245,748,458.38 | 1.77% |
| SUN SAVINGS BANK INC | 25,841,579.82 | 1,464,023,018.26 | 1.77% |
| PHIL NATIONAL BANK | 9,541,336,575.08 | 551,091,455,035.03 | 1.73% |
| LAND BANK OF THE PHILIPPINES | 11,777,865,762.69 | 867,320,537,987.29 | 1.36% |
| HSBC SAVINGS BANK(PHILS) INC | 38,060,230.76 | 2,981,825,071.75 | 1.28% |
| BANK OF THE PHIL ISLANDS | 13,494,456,776.73 | 1,131,142,977,735.92 | 1.19% |
| ROBINSONS BANK CORPORATION | 829,611,117.53 | 72,183,486,252.67 | 1.15% |
| CENTURY SAVINGS BANK CORPORATION | 9,538,244.08 | 865,964,258.60 | 1.10% |
| METROPOLITAN BANK & TCO | 12,034,840,517.25 | 1,105,655,715,387.14 | 1.09% |
| BDO UNIBANK INC | 20,525,932,813.43 | 2,003,827,903,600.25 | 1.02% |
| RB OF STA IGNACIA INC | 3,360,071.59 | 388,933,604.50 | 0.86% |
| RB OF BROOKE'S POINT (PALAWAN) INC | 1,924,397.82 | 233,898,861.79 | 0.82% |
| HONGKONG & SHANGHAI BANKING CORP | 495,222,392.26 | 64,980,685,525.03 | 0.76% |
| SECURITY BANK CORP | 2,931,307,060.69 | 417,095,273,182.24 | 0.70% |
| CITIBANK, N.A. | 1,180,097,403.07 | 190,989,734,104.46 | 0.62% |
| CHINA BANKING CORP | 2,472,685,466.89 | 449,956,659,775.60 | 0.55% |
| KEB HANA BANK - MANILA BRANCH | 23,050,211.00 | 8,481,498,937.50 | 0.27% |
| BANGKOK BANK PUBLIC CO LTD | 21,222,048.81 | 9,924,233,923.73 | 0.21% |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 3,445,923.88 | 1,732,838,929.28 | 0.20% |
| MEGA INT'L COMM'L BANK CO LTD | 4,625,000.00 | 12,368,129,472.55 | 0.04% |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 107,342.00 | 473,186,191.29 | 0.02% |
| ING BANK N.V. | 107.00 | 13,179,087,389.35 | 0.00% |
| AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED | 0.00 | 27,884,948,446.88 | 0.00% |
| BANK OF AMERICA N.A. | 0.00 | 12,094,053,016.09 | 0.00% |
| BANK OF CHINA LIMITED-MANILA BRANCH | 0.00 | 17,190,443,937.60 | 0.00% |
| BDO PRIVATE BANK, INC. | 0.00 | 3,341,826,668.79 | 0.00% |
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | 0.00 | 4,083,288,290.00 | 0.00% |
| CHANG HWA COMMERCIAL BANK LTD - MANILA BRANCH | 0.00 | 1,055,000,000.00 | 0.00% |
| DEUTSCHE BANK AG | 0.00 | 21,385,512,162.84 | 0.00% |
| FIRST COMMERCIAL BANK LTD MANILA BRANCH | 0.00 | 1,169,992,600.00 | 0.00% |
| HUA NAN COMMERCIAL BANK LTD MANILA BRANCH | 0.00 | 262,500,000.00 | 0.00% |
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | 0.00 | 2,963,886,283.47 | 0.00% |
| ISLA BANK(A THRIFT BANK) INC | 0.00 | 860,319,772.27 | 0.00% |
| JP MORGAN CHASE BANK NATIONAL ASSN. | 0.00 | 31,003,921,483.82 | 0.00% |
| MIZUHO BANK LTD - MANILA BRANCH | 0.00 | 54,321,417,658.77 | 0.00% |
| MUFG BANK, LTD. | 0.00 | 41,791,829,399.44 | 0.00% |
| SHINHAN BANK - MANILA BRANCH | 0.00 | 3,736,435,000.00 | 0.00% |
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | 0.00 | 27,975,176,098.60 | 0.00% |
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | 0.00 | 2,475,032,500.00 | 0.00% |
| ARDCIBANK INC A RURAL BANK | NA | NA | NA |
| BANCO SANTIAGO DE LIBON INC | NA | NA | NA |
| BANGKO CARRASCAL INC (A RB) | NA | NA | NA |
| CIMB BANK PHILIPPINES INC | 0.00 | 0.00 | NA |
| GOLDEN RURAL BANK OF THE PHILIPPINES INC | NA | NA | NA |
| INDUSTRIAL AND COMMERCIAL BANK OF CHINA LIMITED - MANILA BRANCH | 0.00 | 0.00 | NA |
| LIBERTY BANK (A RURAL BANK) INC | NA | NA | NA |
| RB OF MABITAC (LAGUNA) INC | NA | NA | NA |
| Grand Total | 197,130,602,082.09 | 9,935,854,222,029.68 | 1.98% |
There are nineteen Philippine Banks with a Gross NPL Ratio greater than 25.00% of Total Loan Portfolio (TLP).
| Philippine Banking System | |||
| NPL as % of TLP | |||
| March 31, 2019 | |||
| Gross NPL/ Gross TLP | |||
| Bank | Gross NPLs | Gross TLP | (In %) |
| RB OF MARAGONDON INC | 29,809,505.77 | 42,577,273.59 | 70.01% |
| RB OF GENERAL TRIAS INC | 38,481,643.58 | 63,123,575.29 | 60.96% |
| COOP BANK OF BENGUET (CBB) | 68,255,818.11 | 157,062,851.29 | 43.46% |
| PEOPLES BANK OF CARAGA INC (A RURAL BANK) | 420,092,242.26 | 996,910,389.30 | 42.14% |
| PROGRESSIVE BANK INC (PROGRESSIVE A RURAL BANK INC) | 118,070,031.37 | 310,761,089.01 | 37.99% |
| VALIANT BANK INC (A RURAL BANK) | 139,873,321.87 | 373,094,773.62 | 37.49% |
| CONSOLIDATED COOPERATIVE BANK | 422,926,886.34 | 1,183,407,852.00 | 35.74% |
| D' ASIAN HILLS BANK INC (A RURAL BANK) | 161,569,137.23 | 459,796,056.61 | 35.14% |
| ALIAGA FARMERS RURAL BANK INC | 118,272,483.59 | 346,458,235.46 | 34.14% |
| RB OF MIAGAO (ILOILO) INC | 43,554,119.24 | 128,299,104.16 | 33.95% |
| RB OF CARDONA (RIZAL) INC | 110,911,009.71 | 332,519,968.05 | 33.35% |
| RB OF POZORRUBIO INC | 20,180,975.55 | 60,824,633.98 | 33.18% |
| MT CARMEL RURAL BANK INC | 241,509,835.93 | 739,138,794.24 | 32.67% |
| GRAND-AGRI RURAL BANK | 72,890,255.72 | 240,890,477.51 | 30.26% |
| COOP BANK OF CAGAYAN | 88,663,893.48 | 306,214,559.06 | 28.95% |
| RB OF POLA (ORIENTAL MINDORO) INC | 51,308,962.72 | 191,817,394.99 | 26.75% |
| RB OF MABALACAT INC | 38,104,495.78 | 148,179,724.36 | 25.72% |
| PLANBANK "RB OF CANLUBANG PLANTERS INC" | 80,413,275.21 | 315,368,764.93 | 25.50% |
| ENTREPRENEUR RB INC | 60,442,560.74 | 237,546,640.21 | 25.44% |
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 9.48% of Stockholders Equity as of March 31, 2019.
| Philippine Banking System | |||
| NPL as % of SE | |||
| March 31, 2019 | |||
| NPL | SE | NPL/SE | |
| Bank | (In PHP) | (In PHP) | (In %) |
| PEOPLES BANK OF CARAGA INC (A RURAL BANK) | 420,092,242.26 | 134,490,336.69 | 312.36% |
| VALIANT BANK INC (A RURAL BANK) | 139,873,321.87 | 70,213,390.86 | 199.21% |
| CONSOLIDATED COOPERATIVE BANK | 422,926,886.34 | 248,679,460.49 | 170.07% |
| ENTERPRISE BANK INC (A THRIFT BANK) | 362,600,884.23 | 227,314,782.46 | 159.51% |
| PROGRESSIVE BANK INC (PROGRESSIVE A RURAL BANK INC) | 118,070,031.37 | 74,976,587.02 | 157.48% |
| COOP BANK OF BENGUET (CBB) | 68,255,818.11 | 44,933,527.44 | 151.90% |
| COOP BANK OF CAGAYAN | 88,663,893.48 | 59,633,035.67 | 148.68% |
| GRAND-AGRI RURAL BANK | 72,890,255.72 | 53,293,523.52 | 136.77% |
| ALIAGA FARMERS RURAL BANK INC | 118,272,483.59 | 105,874,020.10 | 111.71% |
| MT CARMEL RURAL BANK INC | 241,509,835.93 | 221,497,951.09 | 109.03% |
| RB OF CARDONA (RIZAL) INC | 110,911,009.71 | 102,195,992.52 | 108.53% |
| ENTREPRENEUR RB INC | 60,442,560.74 | 55,832,140.97 | 108.26% |
| UCPB SAVINGS BANK | 2,681,966,322.06 | 2,765,961,164.83 | 96.96% |
| EQUICOM SAVINGS BANK INC | 725,954,388.87 | 750,842,934.63 | 96.69% |
| VILLAGE BANK INC (A RURAL BANK) | 68,142,289.83 | 71,557,224.51 | 95.23% |
| TANAY RB INC | 217,949,966.93 | 229,318,746.15 | 95.04% |
| LUZON DEVELOPMENT BANK | 484,904,835.08 | 514,329,477.59 | 94.28% |
| PBCOM RURAL BANK INC | 448,729,973.13 | 478,819,454.29 | 93.72% |
| PLANBANK "RB OF CANLUBANG PLANTERS INC" | 80,413,275.21 | 96,890,919.69 | 82.99% |
| COOPERATIVE BANK OF BOHOL | 55,948,079.34 | 72,242,094.93 | 77.45% |
| PNB SAVINGS BANK | 8,673,395,085.72 | 11,565,533,165.27 | 74.99% |
| LAGAWE HIGHLANDS RB INC | 35,536,370.00 | 47,994,293.67 | 74.04% |
| RB OF POZORRUBIO INC | 20,180,975.55 | 28,157,011.54 | 71.67% |
| BENGUET CENTER BANK INC A RB | 37,718,432.85 | 52,982,947.27 | 71.19% |
| CANTILAN BANK INC (A RURAL BANK) | 272,386,951.09 | 393,864,225.12 | 69.16% |
| RB OF MABALACAT INC | 38,104,495.78 | 60,605,411.25 | 62.87% |
| GM BANK OF LUZON INC (A RURAL BANK) | 259,497,842.79 | 418,839,766.39 | 61.96% |
| LEGAZPI SAVINGS BANK INC | 318,855,433.88 | 554,962,918.96 | 57.46% |
| RB OF MARAGONDON INC | 29,809,505.77 | 52,585,332.37 | 56.69% |
| COOP BANK OF PALAWAN | 103,192,696.56 | 185,296,568.92 | 55.69% |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 1,538,165,603.27 | 2,794,917,585.20 | 55.03% |
| MINDANAO CONSOLIDATED COOPERATIVE BANK | 167,528,407.86 | 306,623,286.70 | 54.64% |
| RB OF SAN PASCUAL(OBANDO BULACAN)INC | 32,251,724.62 | 59,962,268.91 | 53.79% |
| SAVIOUR RURAL BANK INC | 46,917,032.85 | 87,293,073.62 | 53.75% |
| RB OF LEBAK (SULTAN KUDARAT) INC | 40,731,788.67 | 77,931,786.09 | 52.27% |
| AGRIBUSINESS RURAL BANK INC | 447,303,427.75 | 867,872,427.72 | 51.54% |
| AMA RURAL BANK OF MANDALUYONG INC | 529,646,693.76 | 1,043,294,845.60 | 50.77% |
| RB OF BAMBANG (NUEVA VIZCAYA) INC | 45,715,781.18 | 92,022,759.55 | 49.68% |
| RB OF ALABEL (SARANGANI) INC | 48,026,443.33 | 97,989,958.38 | 49.01% |
| RB OF BAGABAG (N.V.)INC | 64,591,014.61 | 134,474,785.17 | 48.03% |
| NEW RB OF SAN LEONARDO(N.E.) INC | 103,846,747.66 | 219,694,019.44 | 47.27% |
| RB OF MIAGAO (ILOILO) INC | 43,554,119.24 | 93,755,226.71 | 46.46% |
| RB OF MAGDALENA (LAGUNA) INC | 45,662,529.91 | 99,308,300.42 | 45.98% |
| SUMMIT BANK (RB OF TUBLAY INC) | 139,289,358.92 | 306,151,116.36 | 45.50% |
| BALANGA RURAL BANK, INC. | 29,888,521.28 | 67,561,815.26 | 44.24% |
| BATAAN DEVELOPMENT BANK | 42,790,738.01 | 97,030,421.39 | 44.10% |
| ASPAC RURAL BANK INC | 108,626,643.76 | 246,317,704.08 | 44.10% |
| COMMTY RB OF CATMON (CEBU) INC | 40,891,541.37 | 94,084,578.88 | 43.46% |
| SUGBUANON RB INC | 42,645,091.04 | 99,143,563.27 | 43.01% |
| SOUTH BANK (A RURAL BANK) INC | 34,029,290.79 | 79,522,664.36 | 42.79% |
| ONE NETWORK BANK INC (A RURAL BANK OF BDO) | 2,022,580,710.10 | 4,785,859,247.70 | 42.26% |
| METRO SOUTH COOP BANK | 315,241,132.97 | 784,618,861.11 | 40.18% |
| MARITIME SAVINGS BANK CORPORATION | 21,061,256.32 | 53,481,891.65 | 39.38% |
| COOP BANK OF QUEZON PROVINCE | 38,939,929.95 | 101,105,655.78 | 38.51% |
| CHINA BANK SAVINGS INC | 3,686,212,687.58 | 9,723,233,552.56 | 37.91% |
| STANDARD CHARTERED BANK | 2,613,304,535.11 | 6,954,724,709.81 | 37.58% |
| ILOCOS CONSOLIDATED COOPERATIVE BANK | 78,788,010.36 | 210,975,768.13 | 37.34% |
| RB OF DUMANGAS INC | 33,232,987.62 | 89,963,518.38 | 36.94% |
| BANGKO MABUHAY (A RURAL BANK) INC | 111,819,603.32 | 305,266,263.28 | 36.63% |
| RB OF CAUAYAN INC | 85,600,773.48 | 240,828,610.40 | 35.54% |
| COMMTY RB OF DAPITAN CITY INC | 40,370,573.51 | 113,805,953.58 | 35.47% |
| RURAL BANK OF PLACER (SURIGAO DEL NORTE) INC | 38,402,074.32 | 110,156,349.47 | 34.86% |
| COOPERATIVE BANK OF NUEVA VIZCAYA | 32,408,985.91 | 95,700,362.78 | 33.87% |
| RCBC SAVINGS BANK INC | 4,378,546,725.78 | 13,579,084,102.35 | 32.24% |
| BPI DIRECT BANKO INC A SAVINGS BANK | 785,301,001.57 | 2,442,756,854.74 | 32.15% |
| RB OF ANGELES INC | 176,578,074.36 | 553,786,677.02 | 31.89% |
| RB OF ITOGON (BENGUET) INC | 35,950,965.66 | 114,247,478.52 | 31.47% |
| BPI FAMILY SAVINGS BANK INC | 10,602,657,365.98 | 33,785,219,843.94 | 31.38% |
| OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE RURAL BANK) | 27,552,819.32 | 88,587,572.23 | 31.10% |
| RB OF GENERAL TRIAS INC | 38,481,643.58 | 125,509,556.66 | 30.66% |
| MACTAN RURAL BANK (LAPU-LAPU CITY) INC | 55,702,614.43 | 184,024,546.09 | 30.27% |
| RB OF TANGUB CITY (MIS OCC) INC | 28,642,586.86 | 94,719,557.61 | 30.24% |
| UNITED COCONUT PLANTERS BANK | 4,861,231,613.77 | 16,649,922,177.21 | 29.20% |
| EAST WEST RURAL BANK INC | 1,116,788,623.70 | 4,001,566,460.00 | 27.91% |
| RANG-AY BANK INC (A RURAL BANK) | 146,486,339.58 | 525,416,569.47 | 27.88% |
| RB OF BAY INC | 17,442,438.24 | 63,003,017.77 | 27.69% |
| RB OF PORAC (PAMPANGA) INC | 81,336,182.28 | 297,368,448.45 | 27.35% |
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 537,176,590.25 | 1,970,743,899.31 | 27.26% |
| RB OF PARACALE(CAMARINES NORTE) INC | 23,084,866.42 | 85,031,943.33 | 27.15% |
| CITYSTATE SAVINGS BANK INC | 180,522,225.61 | 665,111,422.25 | 27.14% |
| DUNGGANON BANK (A MICROFINANCE RURAL BANK) INC | 34,344,371.42 | 127,443,591.04 | 26.95% |
| RURAL BANK OF SAN ANTONIO INC | 40,922,560.18 | 152,738,655.40 | 26.79% |
| RBG IMPERIAL BANK INC(A RURAL BANK) | 45,601,807.49 | 171,191,318.38 | 26.64% |
| GUAGUA RURAL BANK INC | 275,705,961.62 | 1,040,622,295.20 | 26.49% |
| RB OF MARIA AURORA (AURORA) INC | 56,137,615.28 | 214,618,371.25 | 26.16% |
| RB OF PILAR (SORSOGON) INC | 18,371,129.04 | 71,711,638.43 | 25.62% |
| MALARAYAT RB INC | 46,067,539.78 | 180,701,871.35 | 25.49% |
| BANGKO MONTANOSA INC (A RURAL BANK) | 25,513,955.17 | 103,472,544.08 | 24.66% |
| EAST WEST BANKING CORP | 10,762,604,191.64 | 43,795,257,320.85 | 24.57% |
| CITY SAVINGS BANK INC | 3,762,979,564.83 | 15,436,550,270.15 | 24.38% |
| RB OF CENTRAL PANGASINAN (BAYAMBANG) INC | 41,488,619.10 | 174,741,360.55 | 23.74% |
| NORTHPOINT DEV'T BANK INC | 89,640,771.02 | 378,949,830.57 | 23.66% |
| RB OF SAN MATEO(ISABELA) INC | 26,485,734.95 | 112,714,078.44 | 23.50% |
| RB OF PILAR (BATAAN) INC | 33,827,713.79 | 143,980,016.66 | 23.49% |
| RB OF GATTARAN (CAGAYAN) INC | 20,241,997.99 | 88,496,734.34 | 22.87% |
| WEALTH DEVELOPMENT BANK CORPORATION | 336,024,514.57 | 1,474,831,753.81 | 22.78% |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 116,114,754.28 | 510,386,277.61 | 22.75% |
| ZAMBALES RURAL BANK INC | 42,608,159.94 | 187,694,153.35 | 22.70% |
| PRODUCERS SAVINGS BANK CORPORATION | 472,710,142.14 | 2,094,053,015.67 | 22.57% |
| FARMERS SAVINGS & LOAN BANK INC | 28,947,488.80 | 130,476,255.13 | 22.19% |
| NATIONAL TEACHERS & EMP. COOP BANK | 25,325,719.29 | 115,835,418.27 | 21.86% |
| BOF INC (A RURAL BANK) | 131,178,606.55 | 600,130,437.10 | 21.86% |
| NORTH PACIFIC BANKING CORPORATION (A RB OF STA MARIA ISABELA | 14,407,693.40 | 67,200,292.83 | 21.44% |
| MVSM BANK (A RURAL BANK SINCE 1953) INC | 34,023,193.87 | 159,687,646.38 | 21.31% |
| COMMON WEALTH RURAL BANK INC | 32,741,399.97 | 156,062,792.11 | 20.98% |
| PHIL SAVINGS BANK | 6,586,003,165.52 | 31,790,553,683.13 | 20.72% |
| BANK OF MAKATI (A SAVINGS BANK) INC | 2,087,850,360.56 | 10,268,613,843.37 | 20.33% |
| FIRST CONSOLIDATED BANK INC (A PDB) | 997,261,330.12 | 4,924,755,671.34 | 20.25% |
| PAMPANGA DEVELOPMENT BANK | 49,976,218.10 | 251,832,141.04 | 19.85% |
| INSULAR SAVERS BANK INC (A RURAL BANK) | 133,133,318.68 | 675,587,437.21 | 19.71% |
| MARAYO BANK INC (A RURAL BANK) | 120,489,886.06 | 611,536,829.01 | 19.70% |
| MALLIG PLAINS RURAL BANK (ISABELA) INC | 24,118,185.99 | 124,640,726.88 | 19.35% |
| QUEZON CAPITAL RB INC | 69,952,554.29 | 361,853,281.58 | 19.33% |
| MALAYAN BANK SAVINGS AND MORT BANK INC | 251,624,347.13 | 1,301,687,031.52 | 19.33% |
| PHIL BANK OF COMMUNICATIONS | 2,361,092,456.07 | 12,586,539,501.84 | 18.76% |
| FIRST TAGUM RURAL BANK INC | 54,320,125.04 | 295,264,177.21 | 18.40% |
| COUNTRY BUILDERS BANK INC (A RURAL BANK) | 62,380,792.27 | 344,936,566.20 | 18.08% |
| RB OF SAN LUIS (PAMPANGA) INC | 19,148,146.92 | 106,561,878.43 | 17.97% |
| FIRST ISABELA COOP BANK INC(FICOBANK) | 172,495,763.18 | 974,337,690.87 | 17.70% |
| RB OF POLA (ORIENTAL MINDORO) INC | 51,308,962.72 | 293,234,071.77 | 17.50% |
| BHF RURAL BANK INC | 56,579,517.16 | 323,397,891.99 | 17.50% |
| RB OF DIGOS INC | 34,763,538.55 | 199,015,014.89 | 17.47% |
| BANCO LAGUNA INC (A RURAL BANK SINCE 1965) | 20,307,104.84 | 116,552,648.09 | 17.42% |
| BANKWAYS INC (A RURAL BANK) | 35,840,708.21 | 214,386,881.53 | 16.72% |
| CAMALIG BANK INC (A RURAL BANK) | 48,448,757.18 | 296,052,248.84 | 16.36% |
| SECURED BANK INC (A RB) | 20,280,059.67 | 124,512,442.84 | 16.29% |
| HIYAS BANKING CORPORATION | 29,241,158.76 | 180,046,120.37 | 16.24% |
| MOUNT MAKILING RURAL BANK INC | 52,269,827.62 | 325,704,627.47 | 16.05% |
| RB OF GUINOBATAN INC | 16,183,573.43 | 102,996,062.63 | 15.71% |
| HIGHLAND RURAL BANK INC | 21,331,655.97 | 148,644,460.92 | 14.35% |
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 1,594,861,242.97 | 11,365,949,250.81 | 14.03% |
| MERCHANTS SAVINGS & LOAN ASSN INC | 81,783,941.30 | 586,350,795.10 | 13.95% |
| RIZAL COMM'L BANKING CORP | 11,422,777,953.38 | 83,068,159,957.34 | 13.75% |
| RB OF STA ROSA DE LIMA (PANIQUI TARLAC) INC | 22,313,113.42 | 162,888,841.94 | 13.70% |
| DEVELOPMENT BANK OF THE PHIL | 7,342,909,357.89 | 53,806,797,083.07 | 13.65% |
| GATEWAY RURAL BANK INC | 12,842,292.80 | 94,494,434.26 | 13.59% |
| RB OF SOLANO (NUEVA VIZCAYA) INC | 29,556,304.94 | 219,323,898.98 | 13.48% |
| GUAGUA SAVERS BANK(A RB) INC | 9,891,615.45 | 74,222,393.17 | 13.33% |
| RB OF MIDSAYAP INC | 12,705,416.89 | 95,679,296.50 | 13.28% |
| COOP BANK OF COTABATO | 84,847,238.80 | 639,782,180.30 | 13.26% |
| CEBUANA LHUILLIER RB INC | 19,355,529.71 | 146,340,864.16 | 13.23% |
| RB OF RIZAL (ZAMBOANGA DEL NORTE) INC | 19,178,363.32 | 145,828,612.75 | 13.15% |
| MAYBANK PHILIPPINES INCORPORATED | 1,694,079,992.26 | 12,976,834,377.90 | 13.05% |
| RB OF ANTIPOLO INC | 12,198,975.33 | 99,777,265.33 | 12.23% |
| YUANTA SAVINGS BANK PHILIPPINES INC | 107,005,791.38 | 888,554,814.32 | 12.04% |
| KATIPUNAN BANK INC "A RURAL BANK" | 54,824,061.12 | 458,258,320.76 | 11.96% |
| CARD SME BANK INC A THRIFT BANK | 151,860,710.55 | 1,281,839,190.19 | 11.85% |
| RB OF DOLORES (QUEZON) INC | 9,238,659.90 | 79,070,504.64 | 11.68% |
| METRO CEBU PUBLIC SAVINGS BANK | 8,869,721.90 | 80,924,987.30 | 10.96% |
| UNION BANK OF THE PHILS | 9,035,396,029.04 | 83,983,234,846.20 | 10.76% |
| CAVITE UNITED RURAL BANK CORP | 42,921,808.84 | 402,535,170.71 | 10.66% |
| CENTURY RURAL BANK INC | 7,687,107.22 | 72,863,452.38 | 10.55% |
| LIFE SAVINGS BANK INC | 7,774,492.99 | 74,146,257.08 | 10.49% |
| BANK OF COMMERCE | 1,642,479,527.53 | 15,950,030,424.22 | 10.30% |
| BANGKO KABAYAN INC (A PRIVATE DEVELOPMENT BANK) | 55,103,249.30 | 538,366,612.86 | 10.24% |
| SUN SAVINGS BANK INC | 25,841,579.82 | 255,816,950.60 | 10.10% |
| ASIA UNITED BANK CORPORATION | 3,050,421,911.96 | 31,063,958,516.72 | 9.82% |
| UNIVERSITY SAVINGS BANK INC | 41,945,760.86 | 434,423,473.21 | 9.66% |
| CTBC BANK (PHILIPPINES) CORP | 679,581,419.28 | 7,367,231,281.43 | 9.22% |
| PHIL STAR DEVELOPMENT BANK INC | 11,760,293.28 | 127,646,072.46 | 9.21% |
| PACIFIC ACE SAVINGS BANK INC | 7,971,071.00 | 87,327,051.02 | 9.13% |
| RB OF BAYOMBONG INC | 15,166,198.96 | 168,106,845.24 | 9.02% |
| BUSINESS AND CONSUMERS BANK (A DB) | 8,045,953.61 | 90,429,044.77 | 8.90% |
| LAND BANK OF THE PHILIPPINES | 11,777,865,762.69 | 136,468,098,866.72 | 8.63% |
| RB OF DULAG (LEYTE) INC | 9,811,403.54 | 114,282,664.95 | 8.59% |
| INTER-ASIA DEVELOPMENT BANK | 7,366,210.92 | 87,127,301.05 | 8.45% |
| RB OF ROSARIO (LA UNION) INC | 5,723,368.41 | 69,118,035.77 | 8.28% |
| RB OF JAEN INC | 4,346,670.31 | 52,615,778.54 | 8.26% |
| CORDILLERA SAVINGS BANK INC | 10,760,753.08 | 135,344,162.36 | 7.95% |
| BANK ONE SAVINGS CORPORATION | 49,920,011.00 | 630,122,637.42 | 7.92% |
| PHIL NATIONAL BANK | 9,541,336,575.08 | 121,655,550,365.23 | 7.84% |
| DUMAGUETE CITY DEV BANK INC | 24,328,717.98 | 319,998,570.91 | 7.60% |
| CARD MRI RIZAL BANK INC A MICROFINANCE-ORIENTED RURAL BANK | 70,998,283.02 | 949,448,117.46 | 7.48% |
| RB OF PANDI (BULACAN) INC | 18,067,947.90 | 249,455,582.83 | 7.24% |
| LAGUNA PRESTIGE BANKING CORPORATION (A RURAL BANK) | 16,794,104.06 | 232,835,473.78 | 7.21% |
| CITIBANK, N.A. | 1,180,097,403.07 | 16,618,604,899.03 | 7.10% |
| RNG COASTAL BANK INC(A RURAL BANK) | 10,924,904.13 | 157,605,122.86 | 6.93% |
| LIFEBANK- A RURAL BANK | 20,383,246.14 | 294,917,526.72 | 6.91% |
| CARD BANK INC (A MF RB) | 228,937,746.59 | 3,389,688,458.20 | 6.75% |
| ALLBANK (A THRIFT BANK) INC | 69,781,139.50 | 1,068,710,159.58 | 6.53% |
| BDO UNIBANK INC | 20,525,932,813.43 | 337,734,539,274.04 | 6.08% |
| RB OF BARILI (CEBU) INC | 22,230,073.37 | 373,450,860.71 | 5.95% |
| IMUS RURAL BANK INC | 12,039,417.83 | 206,709,085.26 | 5.82% |
| MANOR BANK - A RURAL BANK CORP | 6,322,090.71 | 114,178,811.60 | 5.54% |
| BANK OF THE PHIL ISLANDS | 13,494,456,776.73 | 255,226,582,523.82 | 5.29% |
| ROBINSONS BANK CORPORATION | 829,611,117.53 | 15,765,665,130.37 | 5.26% |
| RB OF MONTALBAN INC | 3,207,586.05 | 62,751,659.26 | 5.11% |
| FILIDIAN RURAL BANK OF ANTIPOLO INC | 7,185,461.16 | 145,042,602.59 | 4.95% |
| PHIL TRUST COMPANY | 1,164,590,801.79 | 24,943,330,760.77 | 4.67% |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 2,702,556.15 | 59,643,595.76 | 4.53% |
| METROPOLITAN BANK & TCO | 12,034,840,517.25 | 287,592,341,226.74 | 4.18% |
| STA MARIA RURAL BANK INC | 3,189,680.51 | 78,024,966.91 | 4.09% |
| LEMERY SAVINGS & LOAN BANK, INC. | 3,463,420.48 | 89,272,509.48 | 3.88% |
| HONGKONG & SHANGHAI BANKING CORP | 495,222,392.26 | 13,690,260,504.76 | 3.62% |
| RBT BANK INC A RURAL BANK | 8,363,593.20 | 238,659,110.64 | 3.50% |
| RB OF GLORIA (OR MIN) INC | 3,284,138.91 | 99,993,758.47 | 3.28% |
| CHINA BANKING CORP | 2,472,685,466.89 | 83,569,018,492.74 | 2.96% |
| SECURITY BANK CORP | 2,931,307,060.69 | 111,270,420,778.92 | 2.63% |
| RB OF STA IGNACIA INC | 3,360,071.59 | 129,855,014.94 | 2.59% |
| HSBC SAVINGS BANK(PHILS) INC | 38,060,230.76 | 1,639,461,130.29 | 2.32% |
| RB OF BROOKE'S POINT (PALAWAN) INC | 1,924,397.82 | 100,169,277.68 | 1.92% |
| CENTURY SAVINGS BANK CORPORATION | 9,538,244.08 | 983,300,736.72 | 0.97% |
| KEB HANA BANK - MANILA BRANCH | 23,050,211.00 | 3,187,893,371.11 | 0.72% |
| BANGKOK BANK PUBLIC CO LTD | 21,222,048.81 | 3,125,515,259.83 | 0.68% |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 3,445,923.88 | 670,316,422.22 | 0.51% |
| INNOVATIVE BANK INC (A RURAL BANK) | 1,262,166.80 | 358,600,073.23 | 0.35% |
| MEGA INT'L COMM'L BANK CO LTD | 4,625,000.00 | 3,503,071,593.50 | 0.13% |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 107,342.00 | 148,618,056.54 | 0.07% |
| ING BANK N.V. | 107.00 | 2,809,251,473.27 | 0.00% |
| AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED | 0.00 | 4,379,173,822.27 | 0.00% |
| BANK OF AMERICA N.A. | 0.00 | 2,146,908,066.34 | 0.00% |
| BANK OF CHINA LIMITED-MANILA BRANCH | 0.00 | 10,103,616,408.45 | 0.00% |
| BDO PRIVATE BANK, INC. | 0.00 | 5,674,503,251.93 | 0.00% |
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | 0.00 | 5,274,188,305.52 | 0.00% |
| CHANG HWA COMMERCIAL BANK LTD - MANILA BRANCH | 0.00 | 2,153,659,772.82 | 0.00% |
| CIMB BANK PHILIPPINES INC | 0.00 | 2,521,389,099.17 | 0.00% |
| DEUTSCHE BANK AG | 0.00 | 2,927,252,078.96 | 0.00% |
| FIRST COMMERCIAL BANK LTD MANILA BRANCH | 0.00 | 2,040,235,846.43 | 0.00% |
| HUA NAN COMMERCIAL BANK LTD MANILA BRANCH | 0.00 | 2,096,157,608.32 | 0.00% |
| INDUSTRIAL AND COMMERCIAL BANK OF CHINA LIMITED - MANILA BRANCH | 0.00 | 3,916,493,015.43 | 0.00% |
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | 0.00 | 4,003,823,850.47 | 0.00% |
| ISLA BANK(A THRIFT BANK) INC | 0.00 | 762,952,239.76 | 0.00% |
| JP MORGAN CHASE BANK NATIONAL ASSN. | 0.00 | 3,025,177,605.83 | 0.00% |
| MIZUHO BANK LTD - MANILA BRANCH | 0.00 | 5,737,164,707.81 | 0.00% |
| MUFG BANK, LTD. | 0.00 | 4,611,751,083.72 | 0.00% |
| SHINHAN BANK - MANILA BRANCH | 0.00 | 4,234,525,779.54 | 0.00% |
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | 0.00 | 13,000,961,993.40 | 0.00% |
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | 0.00 | 2,420,456,855.67 | 0.00% |
| D' ASIAN HILLS BANK INC (A RURAL BANK) | 161,569,137.23 | -23,968,863.48 | -674.08% |
| ARDCIBANK INC A RURAL BANK | NA | NA | NA |
| BANCO SANTIAGO DE LIBON INC | NA | NA | NA |
| BANGKO CARRASCAL INC (A RB) | NA | NA | NA |
| GOLDEN RURAL BANK OF THE PHILIPPINES INC | NA | NA | NA |
| LIBERTY BANK (A RURAL BANK) INC | NA | NA | NA |
| RB OF MABITAC (LAGUNA) INC | NA | NA | NA |
| Grand Total | 197,130,602,082.09 | 2,078,436,359,716.48 | 9.48% |
Seventy-two banks had NPLs greater than 30% of their Stockholder's Equity. D'Asian Hills Bank is running on fumes. It had Php 161.57 million in Gross NPLs backed up by a negative equity base of Php 23.97 million as of March 31, 2019.
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 171.51% of its Stockholder's Equity as of March 31, 2019. DOSRI loans also comprised 32.28% of its Gross Total Loan Portfolio in the same period.
| Philippine Banking System | |||
| DOSRI as % of Stockholders Equity | |||
| March 31, 2019 | |||
| DOSRI | SE | DOSRI/SE | |
| Bank | (In Php) | (In PHP) | (In %) |
| VALIANT BANK INC (A RURAL BANK) | 120,422,178.77 | 70,213,390.86 | 171.51% |
| DEVELOPMENT BANK OF THE PHIL | 38,798,680,434.20 | 53,806,797,083.07 | 72.11% |
| SOUTH BANK (A RURAL BANK) INC | 56,366,397.85 | 79,522,664.36 | 70.88% |
| LAND BANK OF THE PHILIPPINES | 90,863,061,845.50 | 136,468,098,866.72 | 66.58% |
| METRO SOUTH COOP BANK | 519,614,597.00 | 784,618,861.11 | 66.23% |
| MINDANAO CONSOLIDATED COOPERATIVE BANK | 150,641,201.54 | 306,623,286.70 | 49.13% |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 312,546,055.22 | 670,316,422.22 | 46.63% |
| CONSOLIDATED COOPERATIVE BANK | 113,396,935.29 | 248,679,460.49 | 45.60% |
| COOPERATIVE BANK OF BOHOL | 28,283,190.16 | 72,242,094.93 | 39.15% |
| EAST WEST BANKING CORP | 14,224,713,522.30 | 43,795,257,320.85 | 32.48% |
| ROBINSONS BANK CORPORATION | 4,313,991,433.98 | 15,765,665,130.37 | 27.36% |
| CENTURY RURAL BANK INC | 18,994,000.00 | 72,863,452.38 | 26.07% |
| RB OF SAN PASCUAL(OBANDO BULACAN)INC | 15,342,203.61 | 59,962,268.91 | 25.59% |
| VILLAGE BANK INC (A RURAL BANK) | 17,400,000.00 | 71,557,224.51 | 24.32% |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 122,341,040.64 | 510,386,277.61 | 23.97% |
| OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE RURAL BANK) | 20,000,000.00 | 88,587,572.23 | 22.58% |
| DUMAGUETE CITY DEV BANK INC | 70,730,950.82 | 319,998,570.91 | 22.10% |
| COOP BANK OF COTABATO | 128,599,682.70 | 639,782,180.30 | 20.10% |
| PAMPANGA DEVELOPMENT BANK | 49,342,715.63 | 251,832,141.04 | 19.59% |
| AGRIBUSINESS RURAL BANK INC | 147,574,938.74 | 867,872,427.72 | 17.00% |
| INTER-ASIA DEVELOPMENT BANK | 14,173,500.03 | 87,127,301.05 | 16.27% |
| BDO UNIBANK INC | 44,304,636,246.80 | 337,734,539,274.04 | 13.12% |
| RB OF BROOKE'S POINT (PALAWAN) INC | 12,150,223.04 | 100,169,277.68 | 12.13% |
| UNIVERSITY SAVINGS BANK INC | 50,014,919.52 | 434,423,473.21 | 11.51% |
| SAVIOUR RURAL BANK INC | 8,954,823.47 | 87,293,073.62 | 10.26% |
| COOP BANK OF BENGUET (CBB) | 4,459,154.55 | 44,933,527.44 | 9.92% |
| RB OF JAEN INC | 5,198,923.43 | 52,615,778.54 | 9.88% |
| RB OF GENERAL TRIAS INC | 11,710,010.22 | 125,509,556.66 | 9.33% |
| PHIL TRUST COMPANY | 2,005,000,000.00 | 24,943,330,760.77 | 8.04% |
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 901,568,899.37 | 11,365,949,250.81 | 7.93% |
| MALLIG PLAINS RURAL BANK (ISABELA) INC | 9,646,655.91 | 124,640,726.88 | 7.74% |
| STA MARIA RURAL BANK INC | 5,500,000.00 | 78,024,966.91 | 7.05% |
| RB OF DIGOS INC | 13,952,000.00 | 199,015,014.89 | 7.01% |
| PHIL NATIONAL BANK | 7,875,826,856.97 | 121,655,550,365.23 | 6.47% |
| RB OF PORAC (PAMPANGA) INC | 18,190,492.40 | 297,368,448.45 | 6.12% |
| ASPAC RURAL BANK INC | 14,423,233.16 | 246,317,704.08 | 5.86% |
| RANG-AY BANK INC (A RURAL BANK) | 30,488,493.81 | 525,416,569.47 | 5.80% |
| MACTAN RURAL BANK (LAPU-LAPU CITY) INC | 10,494,357.64 | 184,024,546.09 | 5.70% |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 158,662,555.41 | 2,794,917,585.20 | 5.68% |
| CEBUANA LHUILLIER RB INC | 8,193,718.65 | 146,340,864.16 | 5.60% |
| CHINA BANKING CORP | 4,564,540,251.39 | 83,569,018,492.74 | 5.46% |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 3,155,289.96 | 59,643,595.76 | 5.29% |
| COOP BANK OF QUEZON PROVINCE | 5,280,494.31 | 101,105,655.78 | 5.22% |
| LIFE SAVINGS BANK INC | 3,815,475.31 | 74,146,257.08 | 5.15% |
| ILOCOS CONSOLIDATED COOPERATIVE BANK | 10,675,949.64 | 210,975,768.13 | 5.06% |
| COMMTY RB OF DAPITAN CITY INC | 5,029,816.06 | 113,805,953.58 | 4.42% |
| COUNTRY BUILDERS BANK INC (A RURAL BANK) | 14,783,407.29 | 344,936,566.20 | 4.29% |
| COOP BANK OF PALAWAN | 7,682,339.40 | 185,296,568.92 | 4.15% |
| RB OF ITOGON (BENGUET) INC | 4,701,151.99 | 114,247,478.52 | 4.11% |
| GUAGUA RURAL BANK INC | 42,370,483.16 | 1,040,622,295.20 | 4.07% |
| BANK OF THE PHIL ISLANDS | 10,306,057,370.28 | 255,226,582,523.82 | 4.04% |
| ENTERPRISE BANK INC (A THRIFT BANK) | 8,995,694.94 | 227,314,782.46 | 3.96% |
| RB OF SAN LUIS (PAMPANGA) INC | 4,195,317.45 | 106,561,878.43 | 3.94% |
| LAGUNA PRESTIGE BANKING CORPORATION (A RURAL BANK) | 9,000,000.00 | 232,835,473.78 | 3.87% |
| SECURITY BANK CORP | 4,265,952,036.71 | 111,270,420,778.92 | 3.83% |
| PRODUCERS SAVINGS BANK CORPORATION | 77,176,756.24 | 2,094,053,015.67 | 3.69% |
| RB OF BAY INC | 2,213,818.97 | 63,003,017.77 | 3.51% |
| CITY SAVINGS BANK INC | 443,878,011.57 | 15,436,550,270.15 | 2.88% |
| QUEZON CAPITAL RB INC | 10,315,540.13 | 361,853,281.58 | 2.85% |
| GATEWAY RURAL BANK INC | 2,665,642.62 | 94,494,434.26 | 2.82% |
| METROPOLITAN BANK & TCO | 7,948,265,650.24 | 287,592,341,226.74 | 2.76% |
| RB OF ROSARIO (LA UNION) INC | 1,685,673.34 | 69,118,035.77 | 2.44% |
| CENTURY SAVINGS BANK CORPORATION | 23,288,194.98 | 983,300,736.72 | 2.37% |
| MALAYAN BANK SAVINGS AND MORT BANK INC | 30,340,352.50 | 1,301,687,031.52 | 2.33% |
| CITYSTATE SAVINGS BANK INC | 15,364,581.20 | 665,111,422.25 | 2.31% |
| BANK OF MAKATI (A SAVINGS BANK) INC | 207,813,473.97 | 10,268,613,843.37 | 2.02% |
| RB OF STA IGNACIA INC | 2,515,915.14 | 129,855,014.94 | 1.94% |
| PBCOM RURAL BANK INC | 9,146,344.27 | 478,819,454.29 | 1.91% |
| HONGKONG & SHANGHAI BANKING CORP | 248,823,626.29 | 13,690,260,504.76 | 1.82% |
| HIYAS BANKING CORPORATION | 3,159,707.13 | 180,046,120.37 | 1.75% |
| UNITED COCONUT PLANTERS BANK | 291,927,481.91 | 16,649,922,177.21 | 1.75% |
| RIZAL COMM'L BANKING CORP | 1,441,536,776.21 | 83,068,159,957.34 | 1.74% |
| RB OF BAMBANG (NUEVA VIZCAYA) INC | 1,552,335.19 | 92,022,759.55 | 1.69% |
| BHF RURAL BANK INC | 5,357,060.10 | 323,397,891.99 | 1.66% |
| BANCO LAGUNA INC (A RURAL BANK SINCE 1965) | 1,870,687.09 | 116,552,648.09 | 1.61% |
| BANK OF AMERICA N.A. | 34,222,598.83 | 2,146,908,066.34 | 1.59% |
| MALARAYAT RB INC | 2,655,619.89 | 180,701,871.35 | 1.47% |
| HSBC SAVINGS BANK(PHILS) INC | 23,769,092.88 | 1,639,461,130.29 | 1.45% |
| RB OF ALABEL (SARANGANI) INC | 1,212,738.66 | 97,989,958.38 | 1.24% |
| LUZON DEVELOPMENT BANK | 6,133,935.54 | 514,329,477.59 | 1.19% |
| GRAND-AGRI RURAL BANK | 600,628.41 | 53,293,523.52 | 1.13% |
| LEMERY SAVINGS & LOAN BANK, INC. | 890,575.73 | 89,272,509.48 | 1.00% |
| COOP BANK OF CAGAYAN | 503,000.00 | 59,633,035.67 | 0.84% |
| CORDILLERA SAVINGS BANK INC | 1,071,148.77 | 135,344,162.36 | 0.79% |
| AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED | 33,843,624.48 | 4,379,173,822.27 | 0.77% |
| MOUNT MAKILING RURAL BANK INC | 2,508,402.72 | 325,704,627.47 | 0.77% |
| MARITIME SAVINGS BANK CORPORATION | 404,277.65 | 53,481,891.65 | 0.76% |
| MAYBANK PHILIPPINES INCORPORATED | 97,486,666.67 | 12,976,834,377.90 | 0.75% |
| RURAL BANK OF SAN ANTONIO INC | 1,140,291.01 | 152,738,655.40 | 0.75% |
| PHIL SAVINGS BANK | 235,705,611.75 | 31,790,553,683.13 | 0.74% |
| FIRST TAGUM RURAL BANK INC | 1,927,884.56 | 295,264,177.21 | 0.65% |
| SECURED BANK INC (A RB) | 788,881.30 | 124,512,442.84 | 0.63% |
| UNION BANK OF THE PHILS | 531,766,565.52 | 83,983,234,846.20 | 0.63% |
| RB OF PARACALE(CAMARINES NORTE) INC | 495,158.96 | 85,031,943.33 | 0.58% |
| CITIBANK, N.A. | 90,260,250.35 | 16,618,604,899.03 | 0.54% |
| RB OF LEBAK (SULTAN KUDARAT) INC | 419,147.40 | 77,931,786.09 | 0.54% |
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 10,385,071.35 | 1,970,743,899.31 | 0.53% |
| COOPERATIVE BANK OF NUEVA VIZCAYA | 500,638.26 | 95,700,362.78 | 0.52% |
| RB OF GLORIA (OR MIN) INC | 496,038.91 | 99,993,758.47 | 0.50% |
| PEOPLES BANK OF CARAGA INC (A RURAL BANK) | 629,299.72 | 134,490,336.69 | 0.47% |
| RB OF POLA (ORIENTAL MINDORO) INC | 1,339,457.45 | 293,234,071.77 | 0.46% |
| FARMERS SAVINGS & LOAN BANK INC | 577,351.30 | 130,476,255.13 | 0.44% |
| PNB SAVINGS BANK | 44,603,838.05 | 11,565,533,165.27 | 0.39% |
| RB OF POZORRUBIO INC | 99,220.57 | 28,157,011.54 | 0.35% |
| ASIA UNITED BANK CORPORATION | 97,294,910.79 | 31,063,958,516.72 | 0.31% |
| RB OF CAUAYAN INC | 662,213.39 | 240,828,610.40 | 0.27% |
| CTBC BANK (PHILIPPINES) CORP | 19,849,292.91 | 7,367,231,281.43 | 0.27% |
| MVSM BANK (A RURAL BANK SINCE 1953) INC | 411,946.05 | 159,687,646.38 | 0.26% |
| FIRST CONSOLIDATED BANK INC (A PDB) | 12,457,722.55 | 4,924,755,671.34 | 0.25% |
| FIRST ISABELA COOP BANK INC(FICOBANK) | 2,349,000.00 | 974,337,690.87 | 0.24% |
| NATIONAL TEACHERS & EMP. COOP BANK | 261,251.19 | 115,835,418.27 | 0.23% |
| TANAY RB INC | 450,198.26 | 229,318,746.15 | 0.20% |
| UCPB SAVINGS BANK | 5,071,890.83 | 2,765,961,164.83 | 0.18% |
| CANTILAN BANK INC (A RURAL BANK) | 691,831.84 | 393,864,225.12 | 0.18% |
| BANGKO KABAYAN INC (A PRIVATE DEVELOPMENT BANK) | 736,806.29 | 538,366,612.86 | 0.14% |
| NEW RB OF SAN LEONARDO(N.E.) INC | 261,277.25 | 219,694,019.44 | 0.12% |
| RBT BANK INC A RURAL BANK | 263,967.00 | 238,659,110.64 | 0.11% |
| RB OF MARIA AURORA (AURORA) INC | 200,000.00 | 214,618,371.25 | 0.09% |
| ENTREPRENEUR RB INC | 46,242.65 | 55,832,140.97 | 0.08% |
| CHINA BANK SAVINGS INC | 4,904,987.58 | 9,723,233,552.56 | 0.05% |
| RB OF RIZAL (ZAMBOANGA DEL NORTE) INC | 72,666.88 | 145,828,612.75 | 0.05% |
| LEGAZPI SAVINGS BANK INC | 237,897.55 | 554,962,918.96 | 0.04% |
| PHIL BANK OF COMMUNICATIONS | 4,713,036.77 | 12,586,539,501.84 | 0.04% |
| YUANTA SAVINGS BANK PHILIPPINES INC | 323,472.18 | 888,554,814.32 | 0.04% |
| CARD BANK INC (A MF RB) | 704,695.19 | 3,389,688,458.20 | 0.02% |
| RB OF DUMANGAS INC | 12,349.13 | 89,963,518.38 | 0.01% |
| BANK OF COMMERCE | 1,693,054.92 | 15,950,030,424.22 | 0.01% |
| KEB HANA BANK - MANILA BRANCH | 284,350.00 | 3,187,893,371.11 | 0.01% |
| BANGKO MABUHAY (A RURAL BANK) INC | 16,987.66 | 305,266,263.28 | 0.01% |
| ISLA BANK(A THRIFT BANK) INC | 23,885.77 | 762,952,239.76 | 0.00% |
| CARD SME BANK INC A THRIFT BANK | 7,683.39 | 1,281,839,190.19 | 0.00% |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 0.00 | 148,618,056.54 | 0.00% |
| ALIAGA FARMERS RURAL BANK INC | 0.00 | 105,874,020.10 | 0.00% |
| ALLBANK (A THRIFT BANK) INC | 0.00 | 1,068,710,159.58 | 0.00% |
| AMA RURAL BANK OF MANDALUYONG INC | 0.00 | 1,043,294,845.60 | 0.00% |
| BALANGA RURAL BANK, INC. | 0.00 | 67,561,815.26 | 0.00% |
| BANGKO MONTANOSA INC (A RURAL BANK) | 0.00 | 103,472,544.08 | 0.00% |
| BANGKOK BANK PUBLIC CO LTD | 0.00 | 3,125,515,259.83 | 0.00% |
| BANK OF CHINA LIMITED-MANILA BRANCH | 0.00 | 10,103,616,408.45 | 0.00% |
| BANK ONE SAVINGS CORPORATION | 0.00 | 630,122,637.42 | 0.00% |
| BANKWAYS INC (A RURAL BANK) | 0.00 | 214,386,881.53 | 0.00% |
| BATAAN DEVELOPMENT BANK | 0.00 | 97,030,421.39 | 0.00% |
| BDO PRIVATE BANK, INC. | 0.00 | 5,674,503,251.93 | 0.00% |
| BENGUET CENTER BANK INC A RB | 0.00 | 52,982,947.27 | 0.00% |
| BOF INC (A RURAL BANK) | 0.00 | 600,130,437.10 | 0.00% |
| BPI DIRECT BANKO INC A SAVINGS BANK | 0.00 | 2,442,756,854.74 | 0.00% |
| BPI FAMILY SAVINGS BANK INC | 0.00 | 33,785,219,843.94 | 0.00% |
| BUSINESS AND CONSUMERS BANK (A DB) | 0.00 | 90,429,044.77 | 0.00% |
| CAMALIG BANK INC (A RURAL BANK) | 0.00 | 296,052,248.84 | 0.00% |
| CARD MRI RIZAL BANK INC A MICROFINANCE-ORIENTED RURAL BANK | 0.00 | 949,448,117.46 | 0.00% |
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | 0.00 | 5,274,188,305.52 | 0.00% |
| CAVITE UNITED RURAL BANK CORP | 0.00 | 402,535,170.71 | 0.00% |
| CHANG HWA COMMERCIAL BANK LTD - MANILA BRANCH | 0.00 | 2,153,659,772.82 | 0.00% |
| CIMB BANK PHILIPPINES INC | 0.00 | 2,521,389,099.17 | 0.00% |
| COMMON WEALTH RURAL BANK INC | 0.00 | 156,062,792.11 | 0.00% |
| COMMTY RB OF CATMON (CEBU) INC | 0.00 | 94,084,578.88 | 0.00% |
| D' ASIAN HILLS BANK INC (A RURAL BANK) | 0.00 | -23,968,863.48 | 0.00% |
| DEUTSCHE BANK AG | 0.00 | 2,927,252,078.96 | 0.00% |
| DUNGGANON BANK (A MICROFINANCE RURAL BANK) INC | 0.00 | 127,443,591.04 | 0.00% |
| EAST WEST RURAL BANK INC | 0.00 | 4,001,566,460.00 | 0.00% |
| EQUICOM SAVINGS BANK INC | 0.00 | 750,842,934.63 | 0.00% |
| FILIDIAN RURAL BANK OF ANTIPOLO INC | 0.00 | 145,042,602.59 | 0.00% |
| FIRST COMMERCIAL BANK LTD MANILA BRANCH | 0.00 | 2,040,235,846.43 | 0.00% |
| GM BANK OF LUZON INC (A RURAL BANK) | 0.00 | 418,839,766.39 | 0.00% |
| GUAGUA SAVERS BANK(A RB) INC | 0.00 | 74,222,393.17 | 0.00% |
| HIGHLAND RURAL BANK INC | 0.00 | 148,644,460.92 | 0.00% |
| HUA NAN COMMERCIAL BANK LTD MANILA BRANCH | 0.00 | 2,096,157,608.32 | 0.00% |
| IMUS RURAL BANK INC | 0.00 | 206,709,085.26 | 0.00% |
| INDUSTRIAL AND COMMERCIAL BANK OF CHINA LIMITED - MANILA BRANCH | 0.00 | 3,916,493,015.43 | 0.00% |
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | 0.00 | 4,003,823,850.47 | 0.00% |
| ING BANK N.V. | 0.00 | 2,809,251,473.27 | 0.00% |
| INNOVATIVE BANK INC (A RURAL BANK) | 0.00 | 358,600,073.23 | 0.00% |
| INSULAR SAVERS BANK INC (A RURAL BANK) | 0.00 | 675,587,437.21 | 0.00% |
| JP MORGAN CHASE BANK NATIONAL ASSN. | 0.00 | 3,025,177,605.83 | 0.00% |
| KATIPUNAN BANK INC "A RURAL BANK" | 0.00 | 458,258,320.76 | 0.00% |
| LAGAWE HIGHLANDS RB INC | 0.00 | 47,994,293.67 | 0.00% |
| LIFEBANK- A RURAL BANK | 0.00 | 294,917,526.72 | 0.00% |
| MANOR BANK - A RURAL BANK CORP | 0.00 | 114,178,811.60 | 0.00% |
| MARAYO BANK INC (A RURAL BANK) | 0.00 | 611,536,829.01 | 0.00% |
| MEGA INT'L COMM'L BANK CO LTD | 0.00 | 3,503,071,593.50 | 0.00% |
| MERCHANTS SAVINGS & LOAN ASSN INC | 0.00 | 586,350,795.10 | 0.00% |
| METRO CEBU PUBLIC SAVINGS BANK | 0.00 | 80,924,987.30 | 0.00% |
| MIZUHO BANK LTD - MANILA BRANCH | 0.00 | 5,737,164,707.81 | 0.00% |
| MT CARMEL RURAL BANK INC | 0.00 | 221,497,951.09 | 0.00% |
| MUFG BANK, LTD. | 0.00 | 4,611,751,083.72 | 0.00% |
| NORTH PACIFIC BANKING CORPORATION (A RB OF STA MARIA ISABELA | 0.00 | 67,200,292.83 | 0.00% |
| NORTHPOINT DEV'T BANK INC | 0.00 | 378,949,830.57 | 0.00% |
| ONE NETWORK BANK INC (A RURAL BANK OF BDO) | 0.00 | 4,785,859,247.70 | 0.00% |
| PACIFIC ACE SAVINGS BANK INC | 0.00 | 87,327,051.02 | 0.00% |
| PHIL STAR DEVELOPMENT BANK INC | 0.00 | 127,646,072.46 | 0.00% |
| PLANBANK "RB OF CANLUBANG PLANTERS INC" | 0.00 | 96,890,919.69 | 0.00% |
| PROGRESSIVE BANK INC (PROGRESSIVE A RURAL BANK INC) | 0.00 | 74,976,587.02 | 0.00% |
| RB OF ANGELES INC | 0.00 | 553,786,677.02 | 0.00% |
| RB OF ANTIPOLO INC | 0.00 | 99,777,265.33 | 0.00% |
| RB OF BAGABAG (N.V.)INC | 0.00 | 134,474,785.17 | 0.00% |
| RB OF BARILI (CEBU) INC | 0.00 | 373,450,860.71 | 0.00% |
| RB OF BAYOMBONG INC | 0.00 | 168,106,845.24 | 0.00% |
| RB OF CARDONA (RIZAL) INC | 0.00 | 102,195,992.52 | 0.00% |
| RB OF CENTRAL PANGASINAN (BAYAMBANG) INC | 0.00 | 174,741,360.55 | 0.00% |
| RB OF DOLORES (QUEZON) INC | 0.00 | 79,070,504.64 | 0.00% |
| RB OF DULAG (LEYTE) INC | 0.00 | 114,282,664.95 | 0.00% |
| RB OF GATTARAN (CAGAYAN) INC | 0.00 | 88,496,734.34 | 0.00% |
| RB OF GUINOBATAN INC | 0.00 | 102,996,062.63 | 0.00% |
| RB OF MABALACAT INC | 0.00 | 60,605,411.25 | 0.00% |
| RB OF MAGDALENA (LAGUNA) INC | 0.00 | 99,308,300.42 | 0.00% |
| RB OF MARAGONDON INC | 0.00 | 52,585,332.37 | 0.00% |
| RB OF MIAGAO (ILOILO) INC | 0.00 | 93,755,226.71 | 0.00% |
| RB OF MIDSAYAP INC | 0.00 | 95,679,296.50 | 0.00% |
| RB OF MONTALBAN INC | 0.00 | 62,751,659.26 | 0.00% |
| RB OF PANDI (BULACAN) INC | 0.00 | 249,455,582.83 | 0.00% |
| RB OF PILAR (BATAAN) INC | 0.00 | 143,980,016.66 | 0.00% |
| RB OF PILAR (SORSOGON) INC | 0.00 | 71,711,638.43 | 0.00% |
| RB OF SAN MATEO(ISABELA) INC | 0.00 | 112,714,078.44 | 0.00% |
| RB OF SOLANO (NUEVA VIZCAYA) INC | 0.00 | 219,323,898.98 | 0.00% |
| RB OF STA ROSA DE LIMA (PANIQUI TARLAC) INC | 0.00 | 162,888,841.94 | 0.00% |
| RB OF TANGUB CITY (MIS OCC) INC | 0.00 | 94,719,557.61 | 0.00% |
| RBG IMPERIAL BANK INC(A RURAL BANK) | 0.00 | 171,191,318.38 | 0.00% |
| RCBC SAVINGS BANK INC | 0.00 | 13,579,084,102.35 | 0.00% |
| RNG COASTAL BANK INC(A RURAL BANK) | 0.00 | 157,605,122.86 | 0.00% |
| RURAL BANK OF PLACER (SURIGAO DEL NORTE) INC | 0.00 | 110,156,349.47 | 0.00% |
| SHINHAN BANK - MANILA BRANCH | 0.00 | 4,234,525,779.54 | 0.00% |
| STANDARD CHARTERED BANK | 0.00 | 6,954,724,709.81 | 0.00% |
| SUGBUANON RB INC | 0.00 | 99,143,563.27 | 0.00% |
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | 0.00 | 13,000,961,993.40 | 0.00% |
| SUMMIT BANK (RB OF TUBLAY INC) | 0.00 | 306,151,116.36 | 0.00% |
| SUN SAVINGS BANK INC | 0.00 | 255,816,950.60 | 0.00% |
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | 0.00 | 2,420,456,855.67 | 0.00% |
| WEALTH DEVELOPMENT BANK CORPORATION | 0.00 | 1,474,831,753.81 | 0.00% |
| ZAMBALES RURAL BANK INC | 0.00 | 187,694,153.35 | 0.00% |
| ARDCIBANK INC A RURAL BANK | NA | NA | NA |
| BANCO SANTIAGO DE LIBON INC | NA | NA | NA |
| BANGKO CARRASCAL INC (A RB) | NA | NA | NA |
| GOLDEN RURAL BANK OF THE PHILIPPINES INC | NA | NA | NA |
| LIBERTY BANK (A RURAL BANK) INC | NA | NA | NA |
| RB OF MABITAC (LAGUNA) INC | NA | NA | NA |
| Grand Total | 236,860,861,730.02 | 2,078,436,359,716.48 | 11.40% |
| Philippine Banking System | |||
| DOSRI as % of Total Loan Portfolio | |||
| March 31, 2019 | |||
| DOSRI | Total Loan Portfolio | DOSRI/Total Loan Portfolio | |
| Bank | (In PHP) | (In PHP) | (In %) |
| VALIANT BANK INC (A RURAL BANK) | 120,422,178.77 | 373,094,773.62 | 32.28% |
| METRO SOUTH COOP BANK | 519,614,597.00 | 2,714,817,479.10 | 19.14% |
| RB OF GENERAL TRIAS INC | 11,710,010.22 | 63,123,575.29 | 18.55% |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 312,546,055.22 | 1,732,838,929.28 | 18.04% |
| SOUTH BANK (A RURAL BANK) INC | 56,366,397.85 | 338,034,026.53 | 16.67% |
| MINDANAO CONSOLIDATED COOPERATIVE BANK | 150,641,201.54 | 1,133,778,098.60 | 13.29% |
| PAMPANGA DEVELOPMENT BANK | 49,342,715.63 | 398,456,770.25 | 12.38% |
| DEVELOPMENT BANK OF THE PHIL | 38,798,680,434.20 | 323,175,639,597.77 | 12.01% |
| UNIVERSITY SAVINGS BANK INC | 50,014,919.52 | 430,808,737.23 | 11.61% |
| DUMAGUETE CITY DEV BANK INC | 70,730,950.82 | 663,468,315.45 | 10.66% |
| LAND BANK OF THE PHILIPPINES | 90,863,061,845.50 | 867,320,537,987.29 | 10.48% |
| CONSOLIDATED COOPERATIVE BANK | 113,396,935.29 | 1,183,407,852.00 | 9.58% |
| COOPERATIVE BANK OF BOHOL | 28,283,190.16 | 310,496,156.67 | 9.11% |
| COOP BANK OF COTABATO | 128,599,682.70 | 1,484,411,711.00 | 8.66% |
| LIFE SAVINGS BANK INC | 3,815,475.31 | 44,606,712.21 | 8.55% |
| OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE RURAL BANK) | 20,000,000.00 | 237,598,828.61 | 8.42% |
| CENTURY RURAL BANK INC | 18,994,000.00 | 263,703,900.40 | 7.20% |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 122,341,040.64 | 1,778,319,442.56 | 6.88% |
| EAST WEST BANKING CORP | 14,224,713,522.30 | 219,819,559,521.89 | 6.47% |
| STA MARIA RURAL BANK INC | 5,500,000.00 | 86,452,864.06 | 6.36% |
| ROBINSONS BANK CORPORATION | 4,313,991,433.98 | 72,183,486,252.67 | 5.98% |
| AGRIBUSINESS RURAL BANK INC | 147,574,938.74 | 2,548,440,619.80 | 5.79% |
| INTER-ASIA DEVELOPMENT BANK | 14,173,500.03 | 262,644,902.14 | 5.40% |
| RB OF BROOKE'S POINT (PALAWAN) INC | 12,150,223.04 | 233,898,861.79 | 5.19% |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 3,155,289.96 | 64,416,398.51 | 4.90% |
| RB OF SAN PASCUAL(OBANDO BULACAN)INC | 15,342,203.61 | 345,553,613.23 | 4.44% |
| PHIL TRUST COMPANY | 2,005,000,000.00 | 52,576,301,160.16 | 3.81% |
| VILLAGE BANK INC (A RURAL BANK) | 17,400,000.00 | 489,418,988.80 | 3.56% |
| SAVIOUR RURAL BANK INC | 8,954,823.47 | 290,462,134.89 | 3.08% |
| COOP BANK OF BENGUET (CBB) | 4,459,154.55 | 157,062,851.29 | 2.84% |
| ASPAC RURAL BANK INC | 14,423,233.16 | 512,787,932.60 | 2.81% |
| LAGUNA PRESTIGE BANKING CORPORATION (A RURAL BANK) | 9,000,000.00 | 330,433,520.15 | 2.72% |
| CENTURY SAVINGS BANK CORPORATION | 23,288,194.98 | 865,964,258.60 | 2.69% |
| CEBUANA LHUILLIER RB INC | 8,193,718.65 | 305,972,567.67 | 2.68% |
| BDO UNIBANK INC | 44,304,636,246.80 | 2,003,827,903,600.25 | 2.21% |
| RB OF SAN LUIS (PAMPANGA) INC | 4,195,317.45 | 195,388,462.45 | 2.15% |
| RB OF JAEN INC | 5,198,923.43 | 245,748,458.38 | 2.12% |
| RB OF DIGOS INC | 13,952,000.00 | 787,019,961.62 | 1.77% |
| MALLIG PLAINS RURAL BANK (ISABELA) INC | 9,646,655.91 | 563,302,975.23 | 1.71% |
| RB OF PORAC (PAMPANGA) INC | 18,190,492.40 | 1,093,710,042.40 | 1.66% |
| MACTAN RURAL BANK (LAPU-LAPU CITY) INC | 10,494,357.64 | 631,235,922.38 | 1.66% |
| RB OF ITOGON (BENGUET) INC | 4,701,151.99 | 299,848,779.70 | 1.57% |
| COMMTY RB OF DAPITAN CITY INC | 5,029,816.06 | 324,707,327.82 | 1.55% |
| RANG-AY BANK INC (A RURAL BANK) | 30,488,493.81 | 2,013,199,373.10 | 1.51% |
| COOP BANK OF QUEZON PROVINCE | 5,280,494.31 | 355,056,272.95 | 1.49% |
| PHIL NATIONAL BANK | 7,875,826,856.97 | 551,091,455,035.03 | 1.43% |
| COUNTRY BUILDERS BANK INC (A RURAL BANK) | 14,783,407.29 | 1,063,003,191.00 | 1.39% |
| RB OF GLORIA (OR MIN) INC | 496,038.91 | 39,261,705.56 | 1.26% |
| BHF RURAL BANK INC | 5,357,060.10 | 435,845,150.92 | 1.23% |
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 901,568,899.37 | 77,936,323,655.50 | 1.16% |
| GUAGUA RURAL BANK INC | 42,370,483.16 | 3,974,410,174.90 | 1.07% |
| HIYAS BANKING CORPORATION | 3,159,707.13 | 308,078,682.40 | 1.03% |
| SECURITY BANK CORP | 4,265,952,036.71 | 417,095,273,182.24 | 1.02% |
| CHINA BANKING CORP | 4,564,540,251.39 | 449,956,659,775.60 | 1.01% |
| COOP BANK OF PALAWAN | 7,682,339.40 | 772,668,845.14 | 0.99% |
| LEMERY SAVINGS & LOAN BANK, INC. | 890,575.73 | 90,740,079.30 | 0.98% |
| BANK OF THE PHIL ISLANDS | 10,306,057,370.28 | 1,131,142,977,735.92 | 0.91% |
| RB OF BAY INC | 2,213,818.97 | 246,920,162.74 | 0.90% |
| RB OF ROSARIO (LA UNION) INC | 1,685,673.34 | 191,444,469.10 | 0.88% |
| ILOCOS CONSOLIDATED COOPERATIVE BANK | 10,675,949.64 | 1,253,992,457.90 | 0.85% |
| HSBC SAVINGS BANK(PHILS) INC | 23,769,092.88 | 2,981,825,071.75 | 0.80% |
| CITYSTATE SAVINGS BANK INC | 15,364,581.20 | 2,057,599,163.48 | 0.75% |
| BANK OF MAKATI (A SAVINGS BANK) INC | 207,813,473.97 | 28,622,430,327.65 | 0.73% |
| CITY SAVINGS BANK INC | 443,878,011.57 | 61,259,276,380.38 | 0.72% |
| METROPOLITAN BANK & TCO | 7,948,265,650.24 | 1,105,655,715,387.14 | 0.72% |
| RB OF POLA (ORIENTAL MINDORO) INC | 1,339,457.45 | 191,817,394.99 | 0.70% |
| MALAYAN BANK SAVINGS AND MORT BANK INC | 30,340,352.50 | 4,475,991,209.41 | 0.68% |
| RB OF STA IGNACIA INC | 2,515,915.14 | 388,933,604.50 | 0.65% |
| BANCO LAGUNA INC (A RURAL BANK SINCE 1965) | 1,870,687.09 | 306,832,359.61 | 0.61% |
| RB OF ALABEL (SARANGANI) INC | 1,212,738.66 | 209,596,998.67 | 0.58% |
| PRODUCERS SAVINGS BANK CORPORATION | 77,176,756.24 | 13,737,408,320.39 | 0.56% |
| MALARAYAT RB INC | 2,655,619.89 | 501,457,272.88 | 0.53% |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 158,662,555.41 | 30,749,733,717.87 | 0.52% |
| CORDILLERA SAVINGS BANK INC | 1,071,148.77 | 210,008,892.43 | 0.51% |
| ENTERPRISE BANK INC (A THRIFT BANK) | 8,995,694.94 | 1,787,542,093.88 | 0.50% |
| RIZAL COMM'L BANKING CORP | 1,441,536,776.21 | 303,694,690,046.37 | 0.47% |
| QUEZON CAPITAL RB INC | 10,315,540.13 | 2,174,016,621.40 | 0.47% |
| GATEWAY RURAL BANK INC | 2,665,642.62 | 584,385,352.14 | 0.46% |
| RB OF BAMBANG (NUEVA VIZCAYA) INC | 1,552,335.19 | 352,161,870.90 | 0.44% |
| MOUNT MAKILING RURAL BANK INC | 2,508,402.72 | 593,477,277.09 | 0.42% |
| PBCOM RURAL BANK INC | 9,146,344.27 | 2,206,838,801.80 | 0.41% |
| HONGKONG & SHANGHAI BANKING CORP | 248,823,626.29 | 64,980,685,525.03 | 0.38% |
| FIRST TAGUM RURAL BANK INC | 1,927,884.56 | 547,752,140.78 | 0.35% |
| RURAL BANK OF SAN ANTONIO INC | 1,140,291.01 | 326,546,586.29 | 0.35% |
| MARITIME SAVINGS BANK CORPORATION | 404,277.65 | 121,988,816.80 | 0.33% |
| FARMERS SAVINGS & LOAN BANK INC | 577,351.30 | 188,933,336.32 | 0.31% |
| SECURED BANK INC (A RB) | 788,881.30 | 259,042,549.07 | 0.30% |
| BANK OF AMERICA N.A. | 34,222,598.83 | 12,094,053,016.09 | 0.28% |
| GRAND-AGRI RURAL BANK | 600,628.41 | 240,890,477.51 | 0.25% |
| UNION BANK OF THE PHILS | 531,766,565.52 | 257,018,322,720.46 | 0.21% |
| RB OF PARACALE(CAMARINES NORTE) INC | 495,158.96 | 266,198,608.62 | 0.19% |
| UNITED COCONUT PLANTERS BANK | 291,927,481.91 | 165,358,036,401.45 | 0.18% |
| LUZON DEVELOPMENT BANK | 6,133,935.54 | 3,733,425,440.88 | 0.16% |
| COOP BANK OF CAGAYAN | 503,000.00 | 306,214,559.06 | 0.16% |
| RB OF POZORRUBIO INC | 99,220.57 | 60,824,633.98 | 0.16% |
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 10,385,071.35 | 6,842,534,852.09 | 0.15% |
| COOPERATIVE BANK OF NUEVA VIZCAYA | 500,638.26 | 333,234,410.94 | 0.15% |
| PHIL SAVINGS BANK | 235,705,611.75 | 159,295,451,812.47 | 0.15% |
| MAYBANK PHILIPPINES INCORPORATED | 97,486,666.67 | 71,278,552,144.93 | 0.14% |
| AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED | 33,843,624.48 | 27,884,948,446.88 | 0.12% |
| NATIONAL TEACHERS & EMP. COOP BANK | 261,251.19 | 259,395,298.02 | 0.10% |
| FIRST CONSOLIDATED BANK INC (A PDB) | 12,457,722.55 | 12,819,600,320.33 | 0.10% |
| RB OF CAUAYAN INC | 662,213.39 | 694,395,841.87 | 0.10% |
| RB OF LEBAK (SULTAN KUDARAT) INC | 419,147.40 | 443,675,095.08 | 0.09% |
| MVSM BANK (A RURAL BANK SINCE 1953) INC | 411,946.05 | 492,533,826.84 | 0.08% |
| PNB SAVINGS BANK | 44,603,838.05 | 54,025,559,985.18 | 0.08% |
| FIRST ISABELA COOP BANK INC(FICOBANK) | 2,349,000.00 | 3,216,617,434.70 | 0.07% |
| ASIA UNITED BANK CORPORATION | 97,294,910.79 | 151,278,431,348.10 | 0.06% |
| PEOPLES BANK OF CARAGA INC (A RURAL BANK) | 629,299.72 | 996,910,389.30 | 0.06% |
| RBT BANK INC A RURAL BANK | 263,967.00 | 460,804,031.32 | 0.06% |
| CTBC BANK (PHILIPPINES) CORP | 19,849,292.91 | 37,469,262,136.16 | 0.05% |
| CITIBANK, N.A. | 90,260,250.35 | 190,989,734,104.46 | 0.05% |
| RB OF MARIA AURORA (AURORA) INC | 200,000.00 | 435,580,172.81 | 0.05% |
| CANTILAN BANK INC (A RURAL BANK) | 691,831.84 | 1,566,963,247.60 | 0.04% |
| BANGKO KABAYAN INC (A PRIVATE DEVELOPMENT BANK) | 736,806.29 | 1,896,777,752.71 | 0.04% |
| YUANTA SAVINGS BANK PHILIPPINES INC | 323,472.18 | 892,778,866.42 | 0.04% |
| TANAY RB INC | 450,198.26 | 1,331,720,896.60 | 0.03% |
| UCPB SAVINGS BANK | 5,071,890.83 | 15,084,114,372.84 | 0.03% |
| NEW RB OF SAN LEONARDO(N.E.) INC | 261,277.25 | 1,053,355,528.10 | 0.02% |
| ENTREPRENEUR RB INC | 46,242.65 | 237,546,640.21 | 0.02% |
| RB OF RIZAL (ZAMBOANGA DEL NORTE) INC | 72,666.88 | 476,816,405.41 | 0.02% |
| LEGAZPI SAVINGS BANK INC | 237,897.55 | 1,805,105,559.82 | 0.01% |
| PHIL BANK OF COMMUNICATIONS | 4,713,036.77 | 53,975,399,284.36 | 0.01% |
| CHINA BANK SAVINGS INC | 4,904,987.58 | 63,967,878,580.14 | 0.01% |
| CARD BANK INC (A MF RB) | 704,695.19 | 10,030,183,708.00 | 0.01% |
| RB OF DUMANGAS INC | 12,349.13 | 307,880,245.94 | 0.00% |
| KEB HANA BANK - MANILA BRANCH | 284,350.00 | 8,481,498,937.50 | 0.00% |
| BANGKO MABUHAY (A RURAL BANK) INC | 16,987.66 | 532,369,274.33 | 0.00% |
| ISLA BANK(A THRIFT BANK) INC | 23,885.77 | 860,319,772.27 | 0.00% |
| BANK OF COMMERCE | 1,693,054.92 | 78,778,891,606.99 | 0.00% |
| CARD SME BANK INC A THRIFT BANK | 7,683.39 | 4,746,238,848.84 | 0.00% |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 0.00 | 473,186,191.29 | 0.00% |
| ALIAGA FARMERS RURAL BANK INC | 0.00 | 346,458,235.46 | 0.00% |
| ALLBANK (A THRIFT BANK) INC | 0.00 | 2,417,222,356.86 | 0.00% |
| AMA RURAL BANK OF MANDALUYONG INC | 0.00 | 2,273,922,008.20 | 0.00% |
| BALANGA RURAL BANK, INC. | 0.00 | 158,720,685.63 | 0.00% |
| BANGKO MONTANOSA INC (A RURAL BANK) | 0.00 | 303,270,984.47 | 0.00% |
| BANGKOK BANK PUBLIC CO LTD | 0.00 | 9,924,233,923.73 | 0.00% |
| BANK OF CHINA LIMITED-MANILA BRANCH | 0.00 | 17,190,443,937.60 | 0.00% |
| BANK ONE SAVINGS CORPORATION | 0.00 | 1,284,791,186.46 | 0.00% |
| BANKWAYS INC (A RURAL BANK) | 0.00 | 721,954,329.75 | 0.00% |
| BATAAN DEVELOPMENT BANK | 0.00 | 231,322,672.11 | 0.00% |
| BDO PRIVATE BANK, INC. | 0.00 | 3,341,826,668.79 | 0.00% |
| BENGUET CENTER BANK INC A RB | 0.00 | 185,654,805.75 | 0.00% |
| BOF INC (A RURAL BANK) | 0.00 | 2,464,644,562.00 | 0.00% |
| BPI DIRECT BANKO INC A SAVINGS BANK | 0.00 | 11,079,512,246.31 | 0.00% |
| BPI FAMILY SAVINGS BANK INC | 0.00 | 229,742,550,729.65 | 0.00% |
| BUSINESS AND CONSUMERS BANK (A DB) | 0.00 | 172,696,073.56 | 0.00% |
| CAMALIG BANK INC (A RURAL BANK) | 0.00 | 862,461,022.79 | 0.00% |
| CARD MRI RIZAL BANK INC A MICROFINANCE-ORIENTED RURAL BANK | 0.00 | 2,959,741,880.40 | 0.00% |
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | 0.00 | 4,083,288,290.00 | 0.00% |
| CAVITE UNITED RURAL BANK CORP | 0.00 | 301,016,394.91 | 0.00% |
| CHANG HWA COMMERCIAL BANK LTD - MANILA BRANCH | 0.00 | 1,055,000,000.00 | 0.00% |
| COMMON WEALTH RURAL BANK INC | 0.00 | 398,444,449.08 | 0.00% |
| COMMTY RB OF CATMON (CEBU) INC | 0.00 | 376,353,067.95 | 0.00% |
| D' ASIAN HILLS BANK INC (A RURAL BANK) | 0.00 | 459,796,056.61 | 0.00% |
| DEUTSCHE BANK AG | 0.00 | 21,385,512,162.84 | 0.00% |
| DUNGGANON BANK (A MICROFINANCE RURAL BANK) INC | 0.00 | 224,675,526.18 | 0.00% |
| EAST WEST RURAL BANK INC | 0.00 | 5,084,513,158.30 | 0.00% |
| EQUICOM SAVINGS BANK INC | 0.00 | 6,499,686,180.57 | 0.00% |
| FILIDIAN RURAL BANK OF ANTIPOLO INC | 0.00 | 146,839,353.95 | 0.00% |
| FIRST COMMERCIAL BANK LTD MANILA BRANCH | 0.00 | 1,169,992,600.00 | 0.00% |
| GM BANK OF LUZON INC (A RURAL BANK) | 0.00 | 2,581,627,099.80 | 0.00% |
| GUAGUA SAVERS BANK(A RB) INC | 0.00 | 88,454,561.68 | 0.00% |
| HIGHLAND RURAL BANK INC | 0.00 | 271,059,548.90 | 0.00% |
| HUA NAN COMMERCIAL BANK LTD MANILA BRANCH | 0.00 | 262,500,000.00 | 0.00% |
| IMUS RURAL BANK INC | 0.00 | 352,280,612.25 | 0.00% |
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | 0.00 | 2,963,886,283.47 | 0.00% |
| ING BANK N.V. | 0.00 | 13,179,087,389.35 | 0.00% |
| INNOVATIVE BANK INC (A RURAL BANK) | 0.00 | 43,855,610.11 | 0.00% |
| INSULAR SAVERS BANK INC (A RURAL BANK) | 0.00 | 1,605,146,491.60 | 0.00% |
| JP MORGAN CHASE BANK NATIONAL ASSN. | 0.00 | 31,003,921,483.82 | 0.00% |
| KATIPUNAN BANK INC "A RURAL BANK" | 0.00 | 1,750,451,366.70 | 0.00% |
| LAGAWE HIGHLANDS RB INC | 0.00 | 273,227,151.85 | 0.00% |
| LIFEBANK- A RURAL BANK | 0.00 | 427,030,011.45 | 0.00% |
| MANOR BANK - A RURAL BANK CORP | 0.00 | 102,932,236.22 | 0.00% |
| MARAYO BANK INC (A RURAL BANK) | 0.00 | 1,729,208,344.00 | 0.00% |
| MEGA INT'L COMM'L BANK CO LTD | 0.00 | 12,368,129,472.55 | 0.00% |
| MERCHANTS SAVINGS & LOAN ASSN INC | 0.00 | 1,264,001,171.18 | 0.00% |
| METRO CEBU PUBLIC SAVINGS BANK | 0.00 | 234,087,894.13 | 0.00% |
| MIZUHO BANK LTD - MANILA BRANCH | 0.00 | 54,321,417,658.77 | 0.00% |
| MT CARMEL RURAL BANK INC | 0.00 | 739,138,794.24 | 0.00% |
| MUFG BANK, LTD. | 0.00 | 41,791,829,399.44 | 0.00% |
| NORTH PACIFIC BANKING CORPORATION (A RB OF STA MARIA ISABELA | 0.00 | 247,604,874.19 | 0.00% |
| NORTHPOINT DEV'T BANK INC | 0.00 | 476,430,910.13 | 0.00% |
| ONE NETWORK BANK INC (A RURAL BANK OF BDO) | 0.00 | 20,886,275,543.00 | 0.00% |
| PACIFIC ACE SAVINGS BANK INC | 0.00 | 60,408,397.00 | 0.00% |
| PHIL STAR DEVELOPMENT BANK INC | 0.00 | 75,742,055.47 | 0.00% |
| PLANBANK "RB OF CANLUBANG PLANTERS INC" | 0.00 | 315,368,764.93 | 0.00% |
| PROGRESSIVE BANK INC (PROGRESSIVE A RURAL BANK INC) | 0.00 | 310,761,089.01 | 0.00% |
| RB OF ANGELES INC | 0.00 | 2,261,790,576.90 | 0.00% |
| RB OF ANTIPOLO INC | 0.00 | 131,625,894.71 | 0.00% |
| RB OF BAGABAG (N.V.)INC | 0.00 | 397,413,786.30 | 0.00% |
| RB OF BARILI (CEBU) INC | 0.00 | 851,542,589.69 | 0.00% |
| RB OF BAYOMBONG INC | 0.00 | 149,803,817.86 | 0.00% |
| RB OF CARDONA (RIZAL) INC | 0.00 | 332,519,968.05 | 0.00% |
| RB OF CENTRAL PANGASINAN (BAYAMBANG) INC | 0.00 | 465,300,144.74 | 0.00% |
| RB OF DOLORES (QUEZON) INC | 0.00 | 79,067,379.95 | 0.00% |
| RB OF DULAG (LEYTE) INC | 0.00 | 159,708,045.46 | 0.00% |
| RB OF GATTARAN (CAGAYAN) INC | 0.00 | 305,020,616.28 | 0.00% |
| RB OF GUINOBATAN INC | 0.00 | 438,879,370.16 | 0.00% |
| RB OF MABALACAT INC | 0.00 | 148,179,724.36 | 0.00% |
| RB OF MAGDALENA (LAGUNA) INC | 0.00 | 206,996,282.03 | 0.00% |
| RB OF MARAGONDON INC | 0.00 | 42,577,273.59 | 0.00% |
| RB OF MIAGAO (ILOILO) INC | 0.00 | 128,299,104.16 | 0.00% |
| RB OF MIDSAYAP INC | 0.00 | 147,283,207.46 | 0.00% |
| RB OF MONTALBAN INC | 0.00 | 116,899,763.21 | 0.00% |
| RB OF PANDI (BULACAN) INC | 0.00 | 737,464,486.58 | 0.00% |
| RB OF PILAR (BATAAN) INC | 0.00 | 224,397,209.64 | 0.00% |
| RB OF PILAR (SORSOGON) INC | 0.00 | 296,766,633.79 | 0.00% |
| RB OF SAN MATEO(ISABELA) INC | 0.00 | 498,088,681.49 | 0.00% |
| RB OF SOLANO (NUEVA VIZCAYA) INC | 0.00 | 393,991,313.87 | 0.00% |
| RB OF STA ROSA DE LIMA (PANIQUI TARLAC) INC | 0.00 | 93,102,010.83 | 0.00% |
| RB OF TANGUB CITY (MIS OCC) INC | 0.00 | 341,904,395.69 | 0.00% |
| RBG IMPERIAL BANK INC(A RURAL BANK) | 0.00 | 238,611,481.50 | 0.00% |
| RCBC SAVINGS BANK INC | 0.00 | 101,468,024,749.13 | 0.00% |
| RNG COASTAL BANK INC(A RURAL BANK) | 0.00 | 226,870,121.42 | 0.00% |
| RURAL BANK OF PLACER (SURIGAO DEL NORTE) INC | 0.00 | 255,551,082.85 | 0.00% |
| SHINHAN BANK - MANILA BRANCH | 0.00 | 3,736,435,000.00 | 0.00% |
| STANDARD CHARTERED BANK | 0.00 | 28,023,125,634.20 | 0.00% |
| SUGBUANON RB INC | 0.00 | 554,131,859.19 | 0.00% |
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | 0.00 | 27,975,176,098.60 | 0.00% |
| SUMMIT BANK (RB OF TUBLAY INC) | 0.00 | 737,761,760.16 | 0.00% |
| SUN SAVINGS BANK INC | 0.00 | 1,464,023,018.26 | 0.00% |
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | 0.00 | 2,475,032,500.00 | 0.00% |
| WEALTH DEVELOPMENT BANK CORPORATION | 0.00 | 8,059,477,223.44 | 0.00% |
| ZAMBALES RURAL BANK INC | 0.00 | 501,894,289.42 | 0.00% |
| ARDCIBANK INC A RURAL BANK | NA | NA | NA |
| BANCO SANTIAGO DE LIBON INC | NA | NA | NA |
| BANGKO CARRASCAL INC (A RB) | NA | NA | NA |
| CIMB BANK PHILIPPINES INC | 0.00 | 0.00 | NA |
| GOLDEN RURAL BANK OF THE PHILIPPINES INC | NA | NA | NA |
| INDUSTRIAL AND COMMERCIAL BANK OF CHINA LIMITED - MANILA BRANCH | 0.00 | 0.00 | NA |
| LIBERTY BANK (A RURAL BANK) INC | NA | NA | NA |
| RB OF MABITAC (LAGUNA) INC | NA | NA | NA |
| Grand Total | 236,860,861,730.02 | 9,935,854,222,029.68 | 2.38% |
Source:www.bsp.gov.ph
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