This blog post updates previous blog posts such as Valiant Bank's NPLs Were Twice Its Stockholder's Equity - March 31, 2019.
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 206.59 billion as of June 30, 2019 - approximately 2.02% of the Philippine Banking Industry's Total Loan Portfolio of Php 10.23 trillion.
| Philippine Banking System | |||
| NPL as % of TLP | |||
| June 30, 2019 | |||
| Gross NPL/ Gross TLP | |||
| Bank | Gross NPLs | Gross TLP | (In %) |
| QUEZON CAPITAL RB INC | 79,179,648.99 | 53,854,912.90 | 147.02% |
| RB OF GENERAL TRIAS INC | 37,682,105.61 | 50,233,920.01 | 75.01% |
| RB OF MARAGONDON INC | 29,781,695.66 | 42,457,736.84 | 70.14% |
| PEOPLES BANK OF CARAGA INC (A RURAL BANK) | 433,893,593.97 | 959,577,373.32 | 45.22% |
| ALIAGA FARMERS RURAL BANK INC | 129,518,276.46 | 335,057,076.08 | 38.66% |
| RB OF POZORRUBIO INC | 20,850,766.46 | 54,996,484.35 | 37.91% |
| D' ASIAN HILLS BANK INC (A RURAL BANK) | 161,198,181.96 | 441,367,780.65 | 36.52% |
| RB OF MIAGAO (ILOILO) INC | 44,919,128.09 | 131,619,437.17 | 34.13% |
| GRAND-AGRI RURAL BANK | 82,349,235.22 | 258,659,044.04 | 31.84% |
| RB OF CARDONA (RIZAL) INC | 101,516,992.03 | 320,993,913.06 | 31.63% |
| RB OF MABALACAT INC | 41,610,302.04 | 137,297,752.22 | 30.31% |
| CONSOLIDATED COOPERATIVE BANK | 362,574,808.38 | 1,219,221,801.41 | 29.74% |
| MT CARMEL RURAL BANK INC | 223,553,910.96 | 778,606,045.45 | 28.71% |
| RB OF POLA (ORIENTAL MINDORO) INC | 52,942,925.32 | 193,106,262.32 | 27.42% |
| COOP BANK OF CAGAYAN | 81,684,666.20 | 307,452,681.82 | 26.57% |
| ENTERPRISE BANK INC (A THRIFT BANK) | 429,084,186.91 | 1,732,042,666.25 | 24.77% |
| AMA RURAL BANK OF MANDALUYONG INC | 540,392,913.87 | 2,217,757,703.55 | 24.37% |
| RB OF STA ROSA DE LIMA (PANIQUI TARLAC) INC | 22,247,888.54 | 94,814,515.60 | 23.46% |
| AGRIBUSINESS RURAL BANK INC | 581,610,381.17 | 2,562,162,354.47 | 22.70% |
| ENTREPRENEUR RB INC | 55,492,694.09 | 245,923,100.63 | 22.57% |
| LIBERTY BANK (A RURAL BANK) INC | 36,746,833.57 | 166,203,411.81 | 22.11% |
| RB OF SAN NARCISO INC | 19,929,864.60 | 90,239,214.27 | 22.09% |
| PLANBANK "RB OF CANLUBANG PLANTERS INC" | 77,429,075.49 | 352,397,169.95 | 21.97% |
| PBCOM RURAL BANK INC | 472,819,084.63 | 2,194,972,042.12 | 21.54% |
| RB OF ALABEL (SARANGANI) INC | 46,337,857.51 | 222,070,904.53 | 20.87% |
| ASPAC RURAL BANK INC | 107,529,911.70 | 524,348,404.45 | 20.51% |
| PANGASINAN BANK (A RB) INC | 36,168,033.76 | 178,686,958.94 | 20.24% |
| PAMPANGA DEVELOPMENT BANK | 79,181,672.84 | 411,075,036.42 | 19.26% |
| BENGUET CENTER BANK INC A RB | 41,233,482.95 | 214,710,769.49 | 19.20% |
| UCPB SAVINGS BANK | 2,946,045,527.61 | 15,599,648,407.90 | 18.89% |
| CANTILAN BANK INC (A RURAL BANK) | 290,965,828.64 | 1,543,381,658.98 | 18.85% |
| NORTHPOINT DEV'T BANK INC | 90,028,876.10 | 489,272,816.72 | 18.40% |
| BALANGA RURAL BANK, INC. | 28,784,548.23 | 156,913,758.31 | 18.34% |
| SAVIOUR RURAL BANK INC | 54,792,521.77 | 299,966,621.42 | 18.27% |
| RB OF MAGDALENA (LAGUNA) INC | 38,408,603.94 | 210,510,674.67 | 18.25% |
| BANGKO MABUHAY (A RURAL BANK) INC | 94,805,328.67 | 528,513,957.69 | 17.94% |
| SUMMIT BANK (RB OF TUBLAY INC) | 131,093,102.90 | 731,462,808.04 | 17.92% |
| FARMERS SAVINGS & LOAN BANK INC | 33,694,382.12 | 188,952,842.85 | 17.83% |
| LEGAZPI SAVINGS BANK INC | 321,330,025.83 | 1,855,500,255.34 | 17.32% |
| EAST WEST RURAL BANK INC | 1,002,096,412.64 | 5,800,374,605.83 | 17.28% |
| TANAY RB INC | 237,048,294.30 | 1,376,680,420.55 | 17.22% |
| MARITIME SAVINGS BANK CORPORATION | 21,052,842.28 | 122,609,133.11 | 17.17% |
| COOP BANK OF PALAWAN | 127,466,386.58 | 754,877,989.42 | 16.89% |
| COOPERATIVE BANK OF BOHOL | 50,686,881.52 | 313,692,429.68 | 16.16% |
| CAVITE UNITED RURAL BANK CORP | 62,428,235.50 | 387,752,621.64 | 16.10% |
| DUNGGANON BANK (A MICROFINANCE RURAL BANK) INC | 38,855,230.12 | 243,992,992.61 | 15.92% |
| PHIL STAR DEVELOPMENT BANK INC | 11,760,293.28 | 74,021,906.74 | 15.89% |
| MINDANAO CONSOLIDATED COOPERATIVE BANK | 183,515,155.78 | 1,156,828,527.57 | 15.86% |
| GOLDEN RURAL BANK OF THE PHILIPPINES INC | 41,907,426.93 | 267,151,859.67 | 15.69% |
| LUZON DEVELOPMENT BANK | 571,144,553.49 | 3,670,559,402.62 | 15.56% |
| RB OF BAGABAG (N.V.)INC | 62,093,278.59 | 407,138,102.14 | 15.25% |
| RURAL BANK OF PLACER (SURIGAO DEL NORTE) INC | 38,323,141.22 | 252,254,896.17 | 15.19% |
| LIFE SAVINGS BANK INC | 7,906,155.76 | 52,579,471.91 | 15.04% |
| BATAAN DEVELOPMENT BANK | 35,750,758.66 | 239,507,423.32 | 14.93% |
| RB OF PILAR (BATAAN) INC | 35,187,284.39 | 239,590,469.42 | 14.69% |
| PACIFIC ACE SAVINGS BANK INC | 10,546,229.00 | 73,440,008.00 | 14.36% |
| FIRST TAGUM RURAL BANK INC | 78,177,476.71 | 547,327,975.47 | 14.28% |
| BANCO MEXICO INC (A RURAL BANK) | 25,342,069.57 | 177,738,625.42 | 14.26% |
| PNB SAVINGS BANK | 7,574,467,665.24 | 55,346,308,886.02 | 13.69% |
| METRO SOUTH COOP BANK | 346,923,542.45 | 2,623,778,112.10 | 13.22% |
| SOUTH BANK (A RURAL BANK) INC | 41,023,950.51 | 318,185,650.67 | 12.89% |
| RB OF MANGALDAN INC(BANGKO RURAL NG MANGALDAN INK) | 24,484,506.62 | 190,173,193.09 | 12.87% |
| COMMTY RB OF DAPITAN CITY INC | 41,334,083.72 | 327,351,606.07 | 12.63% |
| RB OF MARIA AURORA (AURORA) INC | 52,597,766.00 | 421,728,522.40 | 12.47% |
| GUAGUA SAVERS BANK(A RB) INC | 11,828,608.09 | 95,235,993.09 | 12.42% |
| EQUICOM SAVINGS BANK INC | 773,494,229.76 | 6,250,536,040.78 | 12.37% |
| RURAL BANK OF SAN ANTONIO INC | 39,265,071.65 | 326,156,733.38 | 12.04% |
| YUANTA SAVINGS BANK PHILIPPINES INC | 105,736,501.82 | 878,462,021.90 | 12.04% |
| VILLAGE BANK INC (A RURAL BANK) | 60,530,637.70 | 508,219,467.66 | 11.91% |
| RB OF ANTIPOLO INC | 14,806,951.66 | 126,391,920.94 | 11.72% |
| RB OF PARACALE(CAMARINES NORTE) INC | 28,551,779.06 | 251,596,116.18 | 11.35% |
| RB OF BAMBANG (NUEVA VIZCAYA) INC | 43,646,905.02 | 387,055,262.28 | 11.28% |
| COMMON WEALTH RURAL BANK INC | 43,011,316.79 | 386,907,614.55 | 11.12% |
| COMMTY RB OF CATMON (CEBU) INC | 40,969,098.27 | 370,473,709.00 | 11.06% |
| RB OF ITOGON (BENGUET) INC | 31,889,140.26 | 302,054,853.03 | 10.56% |
| COOPERATIVE BANK OF NUEVA VIZCAYA | 34,752,304.89 | 340,154,832.26 | 10.22% |
| RB OF LEBAK (SULTAN KUDARAT) INC | 45,926,165.87 | 452,908,462.06 | 10.14% |
| RB OF BAYOMBONG INC | 15,229,025.08 | 151,626,610.35 | 10.04% |
| GM BANK OF LUZON INC (A RURAL BANK) | 259,336,684.98 | 2,603,190,621.56 | 9.96% |
| NATIONAL TEACHERS & EMP. COOP BANK | 24,832,147.00 | 252,229,395.77 | 9.85% |
| RB OF PORAC (PAMPANGA) INC | 109,448,726.13 | 1,139,083,057.10 | 9.61% |
| NEW RB OF SAN LEONARDO(N.E.) INC | 97,013,991.04 | 1,010,089,885.36 | 9.60% |
| RB OF TANGUB CITY (MIS OCC) INC | 30,246,201.48 | 316,889,650.84 | 9.54% |
| HIYAS BANKING CORPORATION | 30,162,575.93 | 321,775,386.25 | 9.37% |
| STANDARD CHARTERED BANK | 2,592,434,091.74 | 27,877,782,270.52 | 9.30% |
| RB OF SOLANO (NUEVA VIZCAYA) INC | 38,525,988.83 | 415,056,950.99 | 9.28% |
| RB OF SAN LUIS (PAMPANGA) INC | 17,749,636.92 | 192,390,624.08 | 9.23% |
| RB OF CENTRAL PANGASINAN (BAYAMBANG) INC | 41,479,450.45 | 452,529,697.75 | 9.17% |
| MVSM BANK (A RURAL BANK SINCE 1953) INC | 46,668,835.66 | 516,038,517.50 | 9.04% |
| ONE NETWORK BANK INC (A RURAL BANK OF BDO) | 2,005,939,592.46 | 22,519,629,239.18 | 8.91% |
| MARAYO BANK INC (A RURAL BANK) | 157,728,615.51 | 1,788,566,285.23 | 8.82% |
| BANK OF MAKATI (A SAVINGS BANK) INC | 2,508,990,801.06 | 28,902,124,220.23 | 8.68% |
| RB OF MIDSAYAP INC | 12,396,230.94 | 143,834,571.93 | 8.62% |
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 581,049,521.67 | 6,789,762,212.62 | 8.56% |
| RB OF DUMANGAS INC | 27,310,549.36 | 326,857,158.83 | 8.36% |
| INSULAR SAVERS BANK INC (A RURAL BANK) | 139,977,540.21 | 1,715,908,661.66 | 8.16% |
| SECURED BANK INC (A RB) | 21,373,202.85 | 264,520,537.88 | 8.08% |
| RB OF ANGELES INC | 189,998,493.41 | 2,358,851,022.30 | 8.05% |
| MACTAN RURAL BANK (LAPU-LAPU CITY) INC | 55,210,930.86 | 688,214,177.98 | 8.02% |
| HIGHLAND RURAL BANK INC | 22,328,121.70 | 282,409,624.80 | 7.91% |
| BANCO LAGUNA INC (A RURAL BANK SINCE 1965) | 24,222,775.84 | 311,661,453.83 | 7.77% |
| RANG-AY BANK INC (A RURAL BANK) | 158,399,716.91 | 2,045,514,819.06 | 7.74% |
| MOUNT MAKILING RURAL BANK INC | 47,678,344.89 | 619,592,269.31 | 7.70% |
| RB OF BAY INC | 18,383,438.34 | 239,158,847.96 | 7.69% |
| FIRST CONSOLIDATED BANK INC (A PDB) | 956,967,717.93 | 12,560,286,783.78 | 7.62% |
| RB OF SAN PASCUAL(OBANDO BULACAN)INC | 26,833,620.67 | 356,701,987.30 | 7.52% |
| MALARAYAT RB INC | 38,523,343.74 | 514,073,458.03 | 7.49% |
| UNIVERSITY SAVINGS BANK INC | 29,985,639.73 | 410,643,059.78 | 7.30% |
| RB OF GATTARAN (CAGAYAN) INC | 21,700,567.30 | 300,620,577.49 | 7.22% |
| BPI DIRECT BANKO INC A SAVINGS BANK | 834,934,345.27 | 11,780,049,647.81 | 7.09% |
| CEBUANA LHUILLIER RB INC | 22,501,582.15 | 318,482,045.72 | 7.07% |
| BANGKO MONTANOSA INC (A RURAL BANK) | 22,940,970.31 | 326,040,914.59 | 7.04% |
| ZAMBALES RURAL BANK INC | 37,484,829.02 | 537,099,186.40 | 6.98% |
| SUGBUANON RB INC | 37,075,317.17 | 535,868,789.33 | 6.92% |
| ILOCOS CONSOLIDATED COOPERATIVE BANK | 86,967,202.69 | 1,270,886,350.08 | 6.84% |
| RB OF CAUAYAN INC | 46,408,343.09 | 686,253,481.46 | 6.76% |
| COOP BANK OF QUEZON PROVINCE | 24,777,541.93 | 368,055,174.49 | 6.73% |
| RIZAL MICROBANK INC - A THRIFT BANK OF RCBC | 85,543,473.49 | 1,281,706,604.98 | 6.67% |
| BANKWAYS INC (A RURAL BANK) | 48,312,370.15 | 737,537,760.18 | 6.55% |
| COUNTRY BUILDERS BANK INC (A RURAL BANK) | 70,653,514.70 | 1,085,669,857.66 | 6.51% |
| CORDILLERA SAVINGS BANK INC | 13,263,531.79 | 211,815,541.67 | 6.26% |
| CITY SAVINGS BANK INC | 3,738,301,962.68 | 60,394,164,412.38 | 6.19% |
| RB OF SAN AGUSTIN (ISABELA) INC | 15,977,258.53 | 258,204,100.36 | 6.19% |
| BHF RURAL BANK INC | 27,142,266.86 | 440,875,847.78 | 6.16% |
| RB OF PILAR (SORSOGON) INC | 18,592,938.34 | 304,046,761.15 | 6.12% |
| CITYSTATE SAVINGS BANK INC | 139,036,870.65 | 2,276,695,931.82 | 6.11% |
| COOP BANK OF COTABATO | 92,929,765.00 | 1,526,805,048.80 | 6.09% |
| MANOR BANK - A RURAL BANK CORP | 5,939,421.09 | 100,889,551.15 | 5.89% |
| GUAGUA RURAL BANK INC | 245,502,718.30 | 4,191,301,331.29 | 5.86% |
| CAMALIG BANK INC (A RURAL BANK) | 50,794,013.49 | 877,604,530.08 | 5.79% |
| RB OF DULAG (LEYTE) INC | 9,460,842.75 | 172,672,087.24 | 5.48% |
| FIRST ISABELA COOP BANK (FICOBANK) | 171,514,480.68 | 3,175,923,364.64 | 5.40% |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 1,666,793,325.24 | 31,203,183,389.73 | 5.34% |
| RNG COASTAL BANK INC(A RURAL BANK) | 12,401,963.34 | 232,832,719.29 | 5.33% |
| BOF INC (A RURAL BANK) | 124,648,443.70 | 2,365,639,617.73 | 5.27% |
| BPI FAMILY SAVINGS BANK INC | 11,640,059,814.56 | 223,019,536,920.03 | 5.22% |
| MALAYAN BANK SAVINGS AND MORT BANK INC | 254,526,657.94 | 4,880,146,723.30 | 5.22% |
| CHINA BANK SAVINGS INC | 3,632,513,432.17 | 70,455,635,004.93 | 5.16% |
| INNOVATIVE BANK INC (A RURAL BANK) | 2,397,127.10 | 47,019,050.55 | 5.10% |
| PHIL BANK OF COMMUNICATIONS | 2,732,579,273.18 | 53,738,419,831.40 | 5.08% |
| STA MARIA RURAL BANK INC | 4,392,965.58 | 87,059,972.23 | 5.05% |
| RB OF SAN MATEO(ISABELA) INC | 26,118,664.65 | 524,754,733.08 | 4.98% |
| RB OF GLORIA (OR MIN) INC | 1,850,822.35 | 38,820,277.01 | 4.77% |
| RB OF GUINOBATAN INC | 19,799,020.54 | 423,731,903.69 | 4.67% |
| FILIDIAN RURAL BANK OF ANTIPOLO INC | 7,913,785.55 | 169,775,589.70 | 4.66% |
| EAST WEST BANKING CORP | 10,457,836,710.66 | 224,385,353,696.54 | 4.66% |
| LAGUNA PRESTIGE BANKING CORPORATION (A RURAL BANK) | 14,530,347.10 | 318,840,649.30 | 4.56% |
| MALLIG PLAINS RURAL BANK (ISABELA) INC | 26,270,322.33 | 578,421,855.26 | 4.54% |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 79,974,104.03 | 1,782,205,979.21 | 4.49% |
| NORTH PACIFIC BANKING CORPORATION (A RB OF STA MARIA ISABELA | 11,340,333.74 | 254,786,917.90 | 4.45% |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 2,695,722.73 | 61,235,467.99 | 4.40% |
| RB OF DIGOS INC | 34,382,833.31 | 801,572,508.65 | 4.29% |
| LEMERY SAVINGS & LOAN BANK, INC. | 3,971,483.13 | 92,599,791.20 | 4.29% |
| RCBC SAVINGS BANK INC | 4,226,686,913.71 | 101,354,683,387.05 | 4.17% |
| UNITED COCONUT PLANTERS BANK | 6,650,533,946.46 | 171,742,920,595.11 | 3.87% |
| KATIPUNAN BANK INC "A RURAL BANK" | 69,484,029.19 | 1,798,389,984.76 | 3.86% |
| PHIL SAVINGS BANK | 6,199,224,521.79 | 161,470,149,489.52 | 3.84% |
| WEALTH DEVELOPMENT BANK CORPORATION | 367,143,778.76 | 9,673,014,864.10 | 3.80% |
| BANK ONE SAVINGS CORPORATION | 49,920,011.00 | 1,334,615,431.66 | 3.74% |
| RB OF RIZAL (ZAMBOANGA DEL NORTE) INC | 17,696,712.28 | 475,701,161.03 | 3.72% |
| GATEWAY RURAL BANK INC | 21,556,865.18 | 595,850,313.26 | 3.62% |
| PRODUCERS SAVINGS BANK CORPORATION | 485,260,014.67 | 13,569,967,941.70 | 3.58% |
| IMUS RURAL BANK INC | 12,284,080.80 | 344,826,761.42 | 3.56% |
| UNION BANK OF THE PHILS | 9,532,820,583.10 | 270,018,429,286.31 | 3.53% |
| METRO CEBU PUBLIC SAVINGS BANK | 8,869,721.90 | 251,885,567.64 | 3.52% |
| DUMAGUETE CITY DEV BANK INC | 24,445,167.10 | 713,145,900.17 | 3.43% |
| CARD SME BANK INC A THRIFT BANK | 165,716,786.77 | 5,016,794,438.40 | 3.30% |
| MAYBANK PHILIPPINES INCORPORATED | 2,258,451,509.45 | 72,200,485,169.05 | 3.13% |
| INTER-ASIA DEVELOPMENT BANK | 9,066,391.00 | 290,224,303.97 | 3.12% |
| LIFEBANK- A RURAL BANK | 13,534,222.62 | 457,199,264.48 | 2.96% |
| CENTURY RURAL BANK INC | 7,856,502.66 | 265,580,050.34 | 2.96% |
| BANGKO KABAYAN INC (A PRIVATE DEVELOPMENT BANK) | 56,251,573.86 | 2,007,051,288.46 | 2.80% |
| ALLBANK (A THRIFT BANK) INC | 75,861,417.62 | 2,710,409,765.23 | 2.80% |
| RIZAL COMM'L BANKING CORP | 8,326,889,748.07 | 303,187,965,125.12 | 2.75% |
| CARD MRI RIZAL BANK INC A MICROFINANCE-ORIENTED RURAL BANK | 81,947,472.98 | 3,090,628,574.43 | 2.65% |
| RB OF BARILI (CEBU) INC | 23,263,335.20 | 889,760,338.43 | 2.61% |
| RB OF MONTALBAN INC | 3,043,187.99 | 117,369,105.47 | 2.59% |
| CARD BANK INC (A MF RB) | 257,496,463.74 | 10,410,271,074.43 | 2.47% |
| DEVELOPMENT BANK OF THE PHIL | 8,813,211,119.11 | 368,328,657,231.25 | 2.39% |
| RB OF PANDI (BULACAN) INC | 16,884,968.74 | 739,532,462.47 | 2.28% |
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 1,803,315,009.77 | 81,211,729,182.00 | 2.22% |
| LAND BANK OF THE PHILIPPINES | 18,162,941,930.24 | 855,320,955,529.59 | 2.12% |
| RB OF JAEN INC | 5,130,195.06 | 248,944,297.48 | 2.06% |
| PHIL TRUST COMPANY | 875,734,764.84 | 43,629,416,650.26 | 2.01% |
| RB OF ROSARIO (LA UNION) INC | 3,910,768.63 | 195,814,449.49 | 2.00% |
| BANK OF COMMERCE | 1,554,238,219.13 | 78,367,393,828.55 | 1.98% |
| CTBC BANK (PHILIPPINES) CORP | 716,644,755.17 | 38,311,701,807.33 | 1.87% |
| RBT BANK INC A RURAL BANK | 8,216,043.87 | 450,720,300.01 | 1.82% |
| PHIL NATIONAL BANK | 9,809,450,471.82 | 566,799,847,175.66 | 1.73% |
| SUN SAVINGS BANK INC | 25,526,547.20 | 1,487,197,586.67 | 1.72% |
| ASIA UNITED BANK CORPORATION | 2,631,203,878.59 | 161,240,805,706.00 | 1.63% |
| CENTURY SAVINGS BANK CORPORATION | 11,290,928.72 | 781,797,975.08 | 1.44% |
| ROBINSONS BANK CORPORATION | 916,440,426.90 | 74,003,317,571.73 | 1.24% |
| BANK OF THE PHIL ISLANDS | 12,541,858,927.78 | 1,150,367,476,608.74 | 1.09% |
| METROPOLITAN BANK & TCO | 12,048,716,824.88 | 1,143,168,861,867.40 | 1.05% |
| SECURITY BANK CORP | 4,406,636,420.47 | 426,980,777,153.81 | 1.03% |
| BDO UNIBANK INC | 20,833,908,639.61 | 2,073,870,902,127.80 | 1.00% |
| HSBC SAVINGS BANK(PHILS) INC | 24,927,202.65 | 3,169,208,165.58 | 0.79% |
| HONGKONG & SHANGHAI BANKING CORP | 486,529,984.57 | 66,173,238,391.42 | 0.74% |
| RB OF BROOKE'S POINT (PALAWAN) INC | 1,713,082.81 | 235,326,130.57 | 0.73% |
| CHINA BANKING CORP | 3,200,023,055.18 | 473,831,155,341.38 | 0.68% |
| CITIBANK, N.A. | 1,291,627,864.19 | 213,553,226,173.31 | 0.60% |
| RB OF STA IGNACIA INC | 2,374,651.67 | 434,717,579.40 | 0.55% |
| KEB HANA BANK - MANILA BRANCH | 23,050,205.96 | 8,419,049,655.75 | 0.27% |
| BANGKOK BANK PUBLIC CO LTD | 18,892,016.89 | 8,754,526,936.90 | 0.22% |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 3,119,682.52 | 1,800,728,614.07 | 0.17% |
| MEGA INT'L COMM'L BANK CO LTD | 4,453,000.00 | 11,171,906,671.17 | 0.04% |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 107,342.00 | 387,512,465.15 | 0.03% |
| ING BANK N.V. | 104.48 | 13,298,752,042.48 | 0.00% |
| AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED | 0.00 | 26,982,424,884.49 | 0.00% |
| BANK OF AMERICA N.A. | 0.00 | 10,700,721,542.47 | 0.00% |
| BANK OF CHINA LIMITED-MANILA BRANCH | 0.00 | 25,240,268,429.93 | 0.00% |
| BDO PRIVATE BANK, INC. | 0.00 | 2,888,086,149.40 | 0.00% |
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | 0.00 | 5,230,844,285.56 | 0.00% |
| CHANG HWA COMMERCIAL BANK LTD - MANILA BRANCH | 0.00 | 1,281,250,000.00 | 0.00% |
| CIMB BANK PHILIPPINES INC | 0.00 | 19,484,189.35 | 0.00% |
| DEUTSCHE BANK AG | 0.00 | 29,353,199,003.99 | 0.00% |
| FIRST COMMERCIAL BANK LTD MANILA BRANCH | 0.00 | 1,362,700,897.60 | 0.00% |
| HUA NAN COMMERCIAL BANK LTD MANILA BRANCH | 0.00 | 604,222,080.00 | 0.00% |
| INDUSTRIAL AND COMMERCIAL BANK OF CHINA LIMITED - MANILA BRA | 0.00 | 344,098,600.00 | 0.00% |
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | 0.00 | 4,167,166,601.51 | 0.00% |
| ISLA BANK(A THRIFT BANK) INC | 0.00 | 813,181,489.66 | 0.00% |
| JP MORGAN CHASE BANK NATIONAL ASSN. | 0.00 | 36,496,153,139.07 | 0.00% |
| MIZUHO BANK LTD - MANILA BRANCH | 0.00 | 53,432,051,026.22 | 0.00% |
| MUFG BANK, LTD. | 0.00 | 42,340,903,054.32 | 0.00% |
| SHINHAN BANK - MANILA BRANCH | 0.00 | 3,632,383,108.00 | 0.00% |
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | 0.00 | 32,391,718,541.93 | 0.00% |
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | 0.00 | 2,306,310,616.00 | 0.00% |
| Grand Total | 206,594,500,021.52 | 10,231,175,347,191.40 | 2.02% |
There are fifteen Philippine Banks with a Gross NPL Ratio greater than 25.00% of Total Loan Portfolio (TLP).
| Philippine Banking System | |||
| NPL as % of TLP | |||
| June 30, 2019 | |||
| Gross NPL/ Gross TLP | |||
| Bank | Gross NPLs | Gross TLP | (In %) |
| QUEZON CAPITAL RB INC | 79,179,648.99 | 53,854,912.90 | 147.02% |
| RB OF GENERAL TRIAS INC | 37,682,105.61 | 50,233,920.01 | 75.01% |
| RB OF MARAGONDON INC | 29,781,695.66 | 42,457,736.84 | 70.14% |
| PEOPLES BANK OF CARAGA INC (A RURAL BANK) | 433,893,593.97 | 959,577,373.32 | 45.22% |
| ALIAGA FARMERS RURAL BANK INC | 129,518,276.46 | 335,057,076.08 | 38.66% |
| RB OF POZORRUBIO INC | 20,850,766.46 | 54,996,484.35 | 37.91% |
| D' ASIAN HILLS BANK INC (A RURAL BANK) | 161,198,181.96 | 441,367,780.65 | 36.52% |
| RB OF MIAGAO (ILOILO) INC | 44,919,128.09 | 131,619,437.17 | 34.13% |
| GRAND-AGRI RURAL BANK | 82,349,235.22 | 258,659,044.04 | 31.84% |
| RB OF CARDONA (RIZAL) INC | 101,516,992.03 | 320,993,913.06 | 31.63% |
| RB OF MABALACAT INC | 41,610,302.04 | 137,297,752.22 | 30.31% |
| CONSOLIDATED COOPERATIVE BANK | 362,574,808.38 | 1,219,221,801.41 | 29.74% |
| MT CARMEL RURAL BANK INC | 223,553,910.96 | 778,606,045.45 | 28.71% |
| RB OF POLA (ORIENTAL MINDORO) INC | 52,942,925.32 | 193,106,262.32 | 27.42% |
| COOP BANK OF CAGAYAN | 81,684,666.20 | 307,452,681.82 | 26.57% |
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 9.67% of Stockholders Equity as of June 30, 2019.
| Philippine Banking System | |||
| NPL as % of SE | |||
| June 30, 2019 | |||
| NPL | SE | NPL/SE | |
| Bank | (In PHP) | (In PHP) | (In %) |
| D' ASIAN HILLS BANK INC (A RURAL BANK) | 161,198,181.96 | 23,115,575.94 | 697.36% |
| PEOPLES BANK OF CARAGA INC (A RURAL BANK) | 433,893,593.97 | 144,330,278.43 | 300.63% |
| ENTERPRISE BANK INC (A THRIFT BANK) | 429,084,186.91 | 236,439,885.02 | 181.48% |
| TANAY RB INC | 237,048,294.30 | 143,445,680.62 | 165.25% |
| GRAND-AGRI RURAL BANK | 82,349,235.22 | 51,293,303.84 | 160.55% |
| CONSOLIDATED COOPERATIVE BANK | 362,574,808.38 | 251,213,527.25 | 144.33% |
| ALIAGA FARMERS RURAL BANK INC | 129,518,276.46 | 91,215,135.79 | 141.99% |
| COOP BANK OF CAGAYAN | 81,684,666.20 | 61,598,762.58 | 132.61% |
| LUZON DEVELOPMENT BANK | 571,144,553.49 | 512,876,537.84 | 111.36% |
| LIBERTY BANK (A RURAL BANK) INC | 36,746,833.57 | 34,739,139.51 | 105.78% |
| UCPB SAVINGS BANK | 2,946,045,527.61 | 2,829,144,067.88 | 104.13% |
| EQUICOM SAVINGS BANK INC | 773,494,229.76 | 746,987,410.00 | 103.55% |
| PBCOM RURAL BANK INC | 472,819,084.63 | 481,726,843.72 | 98.15% |
| MT CARMEL RURAL BANK INC | 223,553,910.96 | 229,152,896.68 | 97.56% |
| RB OF CARDONA (RIZAL) INC | 101,516,992.03 | 108,798,684.45 | 93.31% |
| ENTREPRENEUR RB INC | 55,492,694.09 | 60,976,886.82 | 91.01% |
| VILLAGE BANK INC (A RURAL BANK) | 60,530,637.70 | 71,321,039.95 | 84.87% |
| PLANBANK "RB OF CANLUBANG PLANTERS INC" | 77,429,075.49 | 99,539,195.89 | 77.79% |
| CANTILAN BANK INC (A RURAL BANK) | 290,965,828.64 | 376,732,008.56 | 77.23% |
| AGRIBUSINESS RURAL BANK INC | 581,610,381.17 | 813,401,748.67 | 71.50% |
| RB OF POZORRUBIO INC | 20,850,766.46 | 29,939,187.06 | 69.64% |
| PNB SAVINGS BANK | 7,574,467,665.24 | 10,889,122,827.88 | 69.56% |
| BENGUET CENTER BANK INC A RB | 41,233,482.95 | 59,880,885.53 | 68.86% |
| COOP BANK OF PALAWAN | 127,466,386.58 | 186,474,893.31 | 68.36% |
| COOPERATIVE BANK OF BOHOL | 50,686,881.52 | 75,008,385.65 | 67.57% |
| RB OF MABALACAT INC | 41,610,302.04 | 61,930,759.86 | 67.19% |
| BANCO MEXICO INC (A RURAL BANK) | 25,342,069.57 | 40,560,714.24 | 62.48% |
| GM BANK OF LUZON INC (A RURAL BANK) | 259,336,684.98 | 416,080,722.06 | 62.33% |
| SAVIOUR RURAL BANK INC | 54,792,521.77 | 88,686,151.72 | 61.78% |
| GOLDEN RURAL BANK OF THE PHILIPPINES INC | 41,907,426.93 | 68,197,348.96 | 61.45% |
| MINDANAO CONSOLIDATED COOPERATIVE BANK | 183,515,155.78 | 299,165,495.67 | 61.34% |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 1,666,793,325.24 | 2,841,797,707.79 | 58.65% |
| RB OF MARAGONDON INC | 29,781,695.66 | 51,746,895.08 | 57.55% |
| LEGAZPI SAVINGS BANK INC | 321,330,025.83 | 578,417,771.93 | 55.55% |
| PANGASINAN BANK (A RB) INC | 36,168,033.76 | 66,661,943.08 | 54.26% |
| AMA RURAL BANK OF MANDALUYONG INC | 540,392,913.87 | 1,043,395,314.00 | 51.79% |
| RB OF LEBAK (SULTAN KUDARAT) INC | 45,926,165.87 | 88,859,443.60 | 51.68% |
| SOUTH BANK (A RURAL BANK) INC | 41,023,950.51 | 81,845,431.11 | 50.12% |
| RB OF MIAGAO (ILOILO) INC | 44,919,128.09 | 92,978,629.54 | 48.31% |
| RB OF SAN NARCISO INC | 19,929,864.60 | 41,589,767.43 | 47.92% |
| RB OF ALABEL (SARANGANI) INC | 46,337,857.51 | 100,681,980.87 | 46.02% |
| RB OF BAMBANG (NUEVA VIZCAYA) INC | 43,646,905.02 | 96,121,351.41 | 45.41% |
| BALANGA RURAL BANK, INC. | 28,784,548.23 | 64,211,221.49 | 44.83% |
| METRO SOUTH COOP BANK | 346,923,542.45 | 780,561,546.78 | 44.45% |
| RB OF SAN PASCUAL(OBANDO BULACAN)INC | 26,833,620.67 | 61,089,008.22 | 43.93% |
| RB OF BAGABAG (N.V.)INC | 62,093,278.59 | 144,981,718.29 | 42.83% |
| NEW RB OF SAN LEONARDO(N.E.) INC | 97,013,991.04 | 230,793,286.44 | 42.04% |
| ASPAC RURAL BANK INC | 107,529,911.70 | 257,452,795.46 | 41.77% |
| SUMMIT BANK (RB OF TUBLAY INC) | 131,093,102.90 | 315,183,969.81 | 41.59% |
| ILOCOS CONSOLIDATED COOPERATIVE BANK | 86,967,202.69 | 215,564,625.10 | 40.34% |
| MARITIME SAVINGS BANK CORPORATION | 21,052,842.28 | 52,853,765.35 | 39.83% |
| RB OF SAN AGUSTIN (ISABELA) INC | 15,977,258.53 | 40,907,151.00 | 39.06% |
| UNITED COCONUT PLANTERS BANK | 6,650,533,946.46 | 17,171,220,379.89 | 38.73% |
| RB OF ANGELES INC | 189,998,493.41 | 493,831,753.84 | 38.47% |
| COMMTY RB OF CATMON (CEBU) INC | 40,969,098.27 | 106,700,357.28 | 38.40% |
| RB OF MAGDALENA (LAGUNA) INC | 38,408,603.94 | 101,088,334.66 | 38.00% |
| CHINA BANK SAVINGS INC | 3,632,513,432.17 | 9,827,417,202.40 | 36.96% |
| RB OF PORAC (PAMPANGA) INC | 109,448,726.13 | 298,697,672.70 | 36.64% |
| STANDARD CHARTERED BANK | 2,592,434,091.74 | 7,093,858,751.58 | 36.54% |
| COOPERATIVE BANK OF NUEVA VIZCAYA | 34,752,304.89 | 95,830,478.50 | 36.26% |
| COMMTY RB OF DAPITAN CITY INC | 41,334,083.72 | 114,505,260.19 | 36.10% |
| RB OF MANGALDAN INC(BANGKO RURAL NG MANGALDAN INK) | 24,484,506.62 | 69,265,334.44 | 35.35% |
| BATAAN DEVELOPMENT BANK | 35,750,758.66 | 102,392,634.26 | 34.92% |
| RURAL BANK OF PLACER (SURIGAO DEL NORTE) INC | 38,323,141.22 | 113,118,285.25 | 33.88% |
| BPI FAMILY SAVINGS BANK INC | 11,640,059,814.56 | 34,690,931,266.07 | 33.55% |
| ONE NETWORK BANK INC (A RURAL BANK OF BDO) | 2,005,939,592.46 | 5,986,000,708.16 | 33.51% |
| RB OF PARACALE(CAMARINES NORTE) INC | 28,551,779.06 | 86,085,376.94 | 33.17% |
| BPI DIRECT BANKO INC A SAVINGS BANK | 834,934,345.27 | 2,549,072,613.34 | 32.75% |
| PAMPANGA DEVELOPMENT BANK | 79,181,672.84 | 252,267,915.64 | 31.39% |
| RURAL BANK OF SAN ANTONIO INC | 39,265,071.65 | 125,818,791.56 | 31.21% |
| RCBC SAVINGS BANK INC | 4,226,686,913.71 | 13,787,394,712.41 | 30.66% |
| BANGKO MABUHAY (A RURAL BANK) INC | 94,805,328.67 | 313,359,081.93 | 30.25% |
| RB OF TANGUB CITY (MIS OCC) INC | 30,246,201.48 | 101,028,027.06 | 29.94% |
| RB OF GENERAL TRIAS INC | 37,682,105.61 | 126,496,163.80 | 29.79% |
| RB OF DUMANGAS INC | 27,310,549.36 | 92,235,654.65 | 29.61% |
| RANG-AY BANK INC (A RURAL BANK) | 158,399,716.91 | 540,854,536.83 | 29.29% |
| RB OF ITOGON (BENGUET) INC | 31,889,140.26 | 109,399,502.51 | 29.15% |
| SUGBUANON RB INC | 37,075,317.17 | 128,449,699.90 | 28.86% |
| MACTAN RURAL BANK (LAPU-LAPU CITY) INC | 55,210,930.86 | 191,317,803.92 | 28.86% |
| RB OF BAY INC | 18,383,438.34 | 65,252,866.78 | 28.17% |
| BANKWAYS INC (A RURAL BANK) | 48,312,370.15 | 179,049,661.62 | 26.98% |
| COMMON WEALTH RURAL BANK INC | 43,011,316.79 | 160,939,081.50 | 26.73% |
| FIRST TAGUM RURAL BANK INC | 78,177,476.71 | 296,285,235.41 | 26.39% |
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 581,049,521.67 | 2,214,889,163.61 | 26.23% |
| FARMERS SAVINGS & LOAN BANK INC | 33,694,382.12 | 129,746,331.00 | 25.97% |
| MARAYO BANK INC (A RURAL BANK) | 157,728,615.51 | 622,356,907.02 | 25.34% |
| MVSM BANK (A RURAL BANK SINCE 1953) INC | 46,668,835.66 | 186,133,161.13 | 25.07% |
| RB OF PILAR (SORSOGON) INC | 18,592,938.34 | 74,546,391.87 | 24.94% |
| DUNGGANON BANK (A MICROFINANCE RURAL BANK) INC | 38,855,230.12 | 157,619,131.53 | 24.65% |
| WEALTH DEVELOPMENT BANK CORPORATION | 367,143,778.76 | 1,490,035,237.19 | 24.64% |
| EAST WEST RURAL BANK INC | 1,002,096,412.64 | 4,080,905,463.28 | 24.56% |
| RB OF PILAR (BATAAN) INC | 35,187,284.39 | 144,071,292.76 | 24.42% |
| COOP BANK OF QUEZON PROVINCE | 24,777,541.93 | 102,211,946.03 | 24.24% |
| CITY SAVINGS BANK INC | 3,738,301,962.68 | 15,435,865,205.90 | 24.22% |
| RB OF MARIA AURORA (AURORA) INC | 52,597,766.00 | 219,614,925.41 | 23.95% |
| RB OF CENTRAL PANGASINAN (BAYAMBANG) INC | 41,479,450.45 | 177,969,055.28 | 23.31% |
| BANK OF MAKATI (A SAVINGS BANK) INC | 2,508,990,801.06 | 10,891,025,372.53 | 23.04% |
| EAST WEST BANKING CORP | 10,457,836,710.66 | 45,533,796,001.87 | 22.97% |
| NORTHPOINT DEV'T BANK INC | 90,028,876.10 | 392,290,496.86 | 22.95% |
| RB OF GATTARAN (CAGAYAN) INC | 21,700,567.30 | 95,033,029.65 | 22.83% |
| RB OF SAN MATEO(ISABELA) INC | 26,118,664.65 | 115,187,659.45 | 22.67% |
| PRODUCERS SAVINGS BANK CORPORATION | 485,260,014.67 | 2,149,101,764.27 | 22.58% |
| GUAGUA RURAL BANK INC | 245,502,718.30 | 1,089,443,122.79 | 22.53% |
| GATEWAY RURAL BANK INC | 21,556,865.18 | 97,632,169.38 | 22.08% |
| QUEZON CAPITAL RB INC | 79,179,648.99 | 361,842,244.63 | 21.88% |
| PHIL BANK OF COMMUNICATIONS | 2,732,579,273.18 | 12,972,301,899.38 | 21.06% |
| MALLIG PLAINS RURAL BANK (ISABELA) INC | 26,270,322.33 | 124,857,438.82 | 21.04% |
| NATIONAL TEACHERS & EMP. COOP BANK | 24,832,147.00 | 118,126,724.98 | 21.02% |
| MALARAYAT RB INC | 38,523,343.74 | 183,493,066.63 | 20.99% |
| BANGKO MONTANOSA INC (A RURAL BANK) | 22,940,970.31 | 109,675,662.31 | 20.92% |
| CITYSTATE SAVINGS BANK INC | 139,036,870.65 | 667,258,312.52 | 20.84% |
| BOF INC (A RURAL BANK) | 124,648,443.70 | 599,060,854.08 | 20.81% |
| BANCO LAGUNA INC (A RURAL BANK SINCE 1965) | 24,222,775.84 | 119,245,059.77 | 20.31% |
| INSULAR SAVERS BANK INC (A RURAL BANK) | 139,977,540.21 | 694,346,727.63 | 20.16% |
| MALAYAN BANK SAVINGS AND MORT BANK INC | 254,526,657.94 | 1,303,698,702.97 | 19.52% |
| COUNTRY BUILDERS BANK INC (A RURAL BANK) | 70,653,514.70 | 363,225,381.11 | 19.45% |
| PHIL SAVINGS BANK | 6,199,224,521.79 | 32,486,597,994.08 | 19.08% |
| FIRST CONSOLIDATED BANK INC (A PDB) | 956,967,717.93 | 5,051,337,086.37 | 18.94% |
| RB OF GUINOBATAN INC | 19,799,020.54 | 104,714,271.12 | 18.91% |
| RB OF CAUAYAN INC | 46,408,343.09 | 250,150,193.49 | 18.55% |
| ZAMBALES RURAL BANK INC | 37,484,829.02 | 207,331,790.02 | 18.08% |
| RB OF SOLANO (NUEVA VIZCAYA) INC | 38,525,988.83 | 215,967,222.92 | 17.84% |
| RB OF POLA (ORIENTAL MINDORO) INC | 52,942,925.32 | 302,927,822.79 | 17.48% |
| MAYBANK PHILIPPINES INCORPORATED | 2,258,451,509.45 | 13,077,914,695.02 | 17.27% |
| CAMALIG BANK INC (A RURAL BANK) | 50,794,013.49 | 299,760,893.72 | 16.94% |
| RB OF SAN LUIS (PAMPANGA) INC | 17,749,636.92 | 105,047,787.96 | 16.90% |
| FIRST ISABELA COOP BANK (FICOBANK) | 171,514,480.68 | 1,016,467,596.91 | 16.87% |
| NORTH PACIFIC BANKING CORPORATION (A RB OF STA MARIA ISABELA | 11,340,333.74 | 68,163,057.33 | 16.64% |
| SECURED BANK INC (A RB) | 21,373,202.85 | 128,511,125.82 | 16.63% |
| RB OF DIGOS INC | 34,382,833.31 | 208,477,156.74 | 16.49% |
| HIYAS BANKING CORPORATION | 30,162,575.93 | 186,924,919.42 | 16.14% |
| GUAGUA SAVERS BANK(A RB) INC | 11,828,608.09 | 75,364,701.37 | 15.70% |
| DEVELOPMENT BANK OF THE PHIL | 8,813,211,119.11 | 56,546,915,720.01 | 15.59% |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 79,974,104.03 | 518,483,665.02 | 15.42% |
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 1,803,315,009.77 | 12,049,409,948.08 | 14.97% |
| CEBUANA LHUILLIER RB INC | 22,501,582.15 | 152,827,846.63 | 14.72% |
| CAVITE UNITED RURAL BANK CORP | 62,428,235.50 | 429,812,703.33 | 14.52% |
| RIZAL MICROBANK INC - A THRIFT BANK OF RCBC | 85,543,473.49 | 590,614,709.89 | 14.48% |
| KATIPUNAN BANK INC "A RURAL BANK" | 69,484,029.19 | 480,475,047.29 | 14.46% |
| MOUNT MAKILING RURAL BANK INC | 47,678,344.89 | 330,450,205.37 | 14.43% |
| HIGHLAND RURAL BANK INC | 22,328,121.70 | 154,798,648.16 | 14.42% |
| RB OF ANTIPOLO INC | 14,806,951.66 | 106,485,125.48 | 13.91% |
| RB OF STA ROSA DE LIMA (PANIQUI TARLAC) INC | 22,247,888.54 | 160,894,869.81 | 13.83% |
| COOP BANK OF COTABATO | 92,929,765.00 | 676,905,471.80 | 13.73% |
| CARD SME BANK INC A THRIFT BANK | 165,716,786.77 | 1,266,419,833.31 | 13.09% |
| LAND BANK OF THE PHILIPPINES | 18,162,941,930.24 | 141,860,668,122.77 | 12.80% |
| RB OF MIDSAYAP INC | 12,396,230.94 | 97,981,750.91 | 12.65% |
| PACIFIC ACE SAVINGS BANK INC | 10,546,229.00 | 85,505,610.97 | 12.33% |
| YUANTA SAVINGS BANK PHILIPPINES INC | 105,736,501.82 | 869,302,943.31 | 12.16% |
| RB OF RIZAL (ZAMBOANGA DEL NORTE) INC | 17,696,712.28 | 147,745,051.81 | 11.98% |
| UNION BANK OF THE PHILS | 9,532,820,583.10 | 86,235,046,853.40 | 11.05% |
| METRO CEBU PUBLIC SAVINGS BANK | 8,869,721.90 | 81,705,853.31 | 10.86% |
| CENTURY RURAL BANK INC | 7,856,502.66 | 72,752,158.75 | 10.80% |
| LIFE SAVINGS BANK INC | 7,906,155.76 | 74,235,847.98 | 10.65% |
| CORDILLERA SAVINGS BANK INC | 13,263,531.79 | 126,160,778.89 | 10.51% |
| INTER-ASIA DEVELOPMENT BANK | 9,066,391.00 | 88,432,443.04 | 10.25% |
| BANGKO KABAYAN INC (A PRIVATE DEVELOPMENT BANK) | 56,251,573.86 | 554,719,642.27 | 10.14% |
| RIZAL COMM'L BANKING CORP | 8,326,889,748.07 | 83,680,823,884.26 | 9.95% |
| BANK OF COMMERCE | 1,554,238,219.13 | 15,808,975,173.02 | 9.83% |
| CTBC BANK (PHILIPPINES) CORP | 716,644,755.17 | 7,493,843,967.94 | 9.56% |
| RB OF JAEN INC | 5,130,195.06 | 55,529,558.99 | 9.24% |
| RB OF BAYOMBONG INC | 15,229,025.08 | 166,295,788.50 | 9.16% |
| PHIL STAR DEVELOPMENT BANK INC | 11,760,293.28 | 131,860,137.56 | 8.92% |
| CARD MRI RIZAL BANK INC A MICROFINANCE-ORIENTED RURAL BANK | 81,947,472.98 | 952,775,155.83 | 8.60% |
| ASIA UNITED BANK CORPORATION | 2,631,203,878.59 | 31,448,064,524.10 | 8.37% |
| RB OF DULAG (LEYTE) INC | 9,460,842.75 | 114,243,253.76 | 8.28% |
| BHF RURAL BANK INC | 27,142,266.86 | 330,080,085.83 | 8.22% |
| SUN SAVINGS BANK INC | 25,526,547.20 | 311,082,284.64 | 8.21% |
| BANK ONE SAVINGS CORPORATION | 49,920,011.00 | 637,318,637.97 | 7.83% |
| PHIL NATIONAL BANK | 9,809,450,471.82 | 126,024,777,179.47 | 7.78% |
| RNG COASTAL BANK INC(A RURAL BANK) | 12,401,963.34 | 160,249,794.59 | 7.74% |
| DUMAGUETE CITY DEV BANK INC | 24,445,167.10 | 319,492,675.29 | 7.65% |
| ALLBANK (A THRIFT BANK) INC | 75,861,417.62 | 1,075,323,525.47 | 7.05% |
| CITIBANK, N.A. | 1,291,627,864.19 | 18,539,451,155.16 | 6.97% |
| UNIVERSITY SAVINGS BANK INC | 29,985,639.73 | 437,594,793.82 | 6.85% |
| RB OF PANDI (BULACAN) INC | 16,884,968.74 | 251,690,398.78 | 6.71% |
| CARD BANK INC (A MF RB) | 257,496,463.74 | 4,050,221,817.90 | 6.36% |
| LAGUNA PRESTIGE BANKING CORPORATION (A RURAL BANK) | 14,530,347.10 | 232,771,801.05 | 6.24% |
| RB OF BARILI (CEBU) INC | 23,263,335.20 | 376,650,185.10 | 6.18% |
| BDO UNIBANK INC | 20,833,908,639.61 | 349,305,433,097.85 | 5.96% |
| RB OF ROSARIO (LA UNION) INC | 3,910,768.63 | 66,167,597.45 | 5.91% |
| IMUS RURAL BANK INC | 12,284,080.80 | 208,046,033.99 | 5.90% |
| ROBINSONS BANK CORPORATION | 916,440,426.90 | 16,273,341,309.97 | 5.63% |
| STA MARIA RURAL BANK INC | 4,392,965.58 | 78,236,658.00 | 5.61% |
| FILIDIAN RURAL BANK OF ANTIPOLO INC | 7,913,785.55 | 147,394,968.21 | 5.37% |
| MANOR BANK - A RURAL BANK CORP | 5,939,421.09 | 112,479,186.02 | 5.28% |
| BANK OF THE PHIL ISLANDS | 12,541,858,927.78 | 257,667,430,568.61 | 4.87% |
| RB OF MONTALBAN INC | 3,043,187.99 | 64,304,931.46 | 4.73% |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 2,695,722.73 | 58,816,877.07 | 4.58% |
| LEMERY SAVINGS & LOAN BANK, INC. | 3,971,483.13 | 90,846,070.07 | 4.37% |
| LIFEBANK- A RURAL BANK | 13,534,222.62 | 311,713,042.82 | 4.34% |
| METROPOLITAN BANK & TCO | 12,048,716,824.88 | 296,347,122,161.77 | 4.07% |
| RBT BANK INC A RURAL BANK | 8,216,043.87 | 204,066,756.72 | 4.03% |
| SECURITY BANK CORP | 4,406,636,420.47 | 114,724,852,344.99 | 3.84% |
| CHINA BANKING CORP | 3,200,023,055.18 | 83,553,388,602.26 | 3.83% |
| PHIL TRUST COMPANY | 875,734,764.84 | 24,573,845,611.84 | 3.56% |
| HONGKONG & SHANGHAI BANKING CORP | 486,529,984.57 | 15,361,693,605.55 | 3.17% |
| RB OF STA IGNACIA INC | 2,374,651.67 | 129,098,266.84 | 1.84% |
| RB OF GLORIA (OR MIN) INC | 1,850,822.35 | 101,212,352.99 | 1.83% |
| RB OF BROOKE'S POINT (PALAWAN) INC | 1,713,082.81 | 98,830,054.13 | 1.73% |
| HSBC SAVINGS BANK(PHILS) INC | 24,927,202.65 | 1,758,698,414.66 | 1.42% |
| CENTURY SAVINGS BANK CORPORATION | 11,290,928.72 | 997,246,312.37 | 1.13% |
| KEB HANA BANK - MANILA BRANCH | 23,050,205.96 | 3,340,379,099.57 | 0.69% |
| INNOVATIVE BANK INC (A RURAL BANK) | 2,397,127.10 | 361,564,858.23 | 0.66% |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 3,119,682.52 | 675,615,974.27 | 0.46% |
| BANGKOK BANK PUBLIC CO LTD | 18,892,016.89 | 4,717,843,384.57 | 0.40% |
| MEGA INT'L COMM'L BANK CO LTD | 4,453,000.00 | 3,568,837,887.40 | 0.12% |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 107,342.00 | 131,825,190.47 | 0.08% |
| ING BANK N.V. | 104.48 | 2,895,838,686.24 | 0.00% |
| AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED | 0.00 | 4,478,376,410.26 | 0.00% |
| BANK OF AMERICA N.A. | 0.00 | 2,229,477,300.67 | 0.00% |
| BANK OF CHINA LIMITED-MANILA BRANCH | 0.00 | 10,156,980,937.91 | 0.00% |
| BDO PRIVATE BANK, INC. | 0.00 | 6,126,217,932.30 | 0.00% |
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | 0.00 | 5,297,873,767.95 | 0.00% |
| CHANG HWA COMMERCIAL BANK LTD - MANILA BRANCH | 0.00 | 2,167,163,880.19 | 0.00% |
| CIMB BANK PHILIPPINES INC | 0.00 | 3,081,751,835.45 | 0.00% |
| DEUTSCHE BANK AG | 0.00 | 3,157,331,623.47 | 0.00% |
| FIRST COMMERCIAL BANK LTD MANILA BRANCH | 0.00 | 2,049,177,521.31 | 0.00% |
| HUA NAN COMMERCIAL BANK LTD MANILA BRANCH | 0.00 | 2,089,715,578.06 | 0.00% |
| INDUSTRIAL AND COMMERCIAL BANK OF CHINA LIMITED - MANILA BRA | 0.00 | 3,871,558,525.46 | 0.00% |
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | 0.00 | 4,050,701,007.42 | 0.00% |
| ISLA BANK(A THRIFT BANK) INC | 0.00 | 767,242,642.38 | 0.00% |
| JP MORGAN CHASE BANK NATIONAL ASSN. | 0.00 | 3,286,339,778.41 | 0.00% |
| MIZUHO BANK LTD - MANILA BRANCH | 0.00 | 5,509,907,617.13 | 0.00% |
| MUFG BANK, LTD. | 0.00 | 4,616,895,539.37 | 0.00% |
| SHINHAN BANK - MANILA BRANCH | 0.00 | 4,274,078,445.43 | 0.00% |
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | 0.00 | 12,932,019,408.40 | 0.00% |
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | 0.00 | 2,411,850,446.92 | 0.00% |
| Grand Total | 206,594,500,021.52 | 2,135,841,917,404.40 | 9.67% |
Seventy-two banks had NPLs greater than 30% of their Stockholder's Equity. D'Asian Hills tops the list. It has Php 161.20 million in Gross NPLs backed up by an equity base of Php 23.12 million as of June 30, 2019. The recently shuttered AMA Rural Bank of Mandaluyong's Gross NPLs were more than 50% of its Stockholder's Equity.
Source:www.bsp.gov.ph
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