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 220.26 billion as of September 30, 2019 - approximately 2.09% of the Philippine Banking Industry's Total Loan Portfolio of Php 10.53 trillion.
| Philippine Banking System | |||
| NPL as % of TLP | |||
| September 30, 2019 | |||
| Gross NPL/ Gross TLP | |||
| Bank | Gross NPLs | Gross TLP | (In %) |
| RB OF GENERAL TRIAS INC | 37,531,745.53 | 49,133,639.73 | 76.39% |
| RB OF MARAGONDON INC | 29,849,732.67 | 42,332,818.70 | 70.51% |
| PEOPLES BANK OF CARAGA INC (A RURAL BANK) | 583,370,393.45 | 886,593,568.57 | 65.80% |
| RB OF POZORRUBIO INC | 19,413,789.09 | 50,351,429.46 | 38.56% |
| ALIAGA FARMERS RURAL BANK INC | 115,395,277.41 | 327,002,628.95 | 35.29% |
| BANCO MEXICO INC (A RURAL BANK) | 56,410,202.91 | 169,947,467.00 | 33.19% |
| COOP BANK OF BENGUET (CBB) | 70,519,318.34 | 245,287,723.77 | 28.75% |
| CONSOLIDATED COOPERATIVE BANK | 347,744,329.21 | 1,243,432,066.40 | 27.97% |
| RB OF MABALACAT INC | 39,083,297.13 | 141,992,455.64 | 27.52% |
| MT CARMEL RURAL BANK INC | 214,476,076.62 | 817,916,373.78 | 26.22% |
| AMA RURAL BANK OF MANDALUYONG INC | 531,562,421.68 | 2,054,498,509.70 | 25.87% |
| COOP BANK OF CAGAYAN | 84,729,881.10 | 328,651,453.80 | 25.78% |
| ENTERPRISE BANK INC (A THRIFT BANK) | 426,064,075.39 | 1,677,706,750.77 | 25.40% |
| PAMPANGA DEVELOPMENT BANK | 102,281,886.96 | 403,486,414.70 | 25.35% |
| RB OF POLA (ORIENTAL MINDORO) INC | 48,334,134.26 | 192,038,798.68 | 25.17% |
| SUMMIT BANK (RB OF TUBLAY INC) | 174,277,735.02 | 738,030,513.38 | 23.61% |
| FIRST IMPERIAL BUSINESS BANK INC (A RURAL BANK) | 119,780,269.66 | 511,313,016.05 | 23.43% |
| RB OF CARDONA (RIZAL) INC | 85,306,293.42 | 364,964,343.31 | 23.37% |
| PBCOM RURAL BANK INC | 502,042,842.55 | 2,152,468,686.60 | 23.32% |
| RB OF STA ROSA DE LIMA (PANIQUI TARLAC) INC | 22,796,396.46 | 97,930,590.45 | 23.28% |
| ENTREPRENEUR RB INC | 62,927,861.65 | 272,850,284.59 | 23.06% |
| SAVIOUR RURAL BANK INC | 59,956,733.31 | 266,264,407.83 | 22.52% |
| LIBERTY BANK (A RURAL BANK) INC | 39,439,090.88 | 175,978,576.82 | 22.41% |
| PANGASINAN BANK (A RB) INC | 38,056,676.89 | 171,197,811.23 | 22.23% |
| RB OF SAN NARCISO INC | 17,485,679.30 | 80,751,059.85 | 21.65% |
| FIRST AGRO-INDUSTRIAL RB INC(FAIRBANK) | 44,997,403.55 | 208,111,318.18 | 21.62% |
| AGRIBUSINESS RURAL BANK INC | 539,575,163.62 | 2,510,299,844.70 | 21.49% |
| NORTHPOINT DEV'T BANK INC | 111,397,401.35 | 532,175,267.40 | 20.93% |
| ASPAC RURAL BANK INC | 106,431,661.59 | 514,988,625.81 | 20.67% |
| PLANBANK "RB OF CANLUBANG PLANTERS INC" | 66,233,056.46 | 322,249,256.45 | 20.55% |
| METRO SOUTH COOP BANK | 506,511,304.26 | 2,509,170,313.70 | 20.19% |
| CANTILAN BANK INC (A RURAL BANK) | 308,173,872.31 | 1,529,823,120.90 | 20.14% |
| BENGUET CENTER BANK INC A RB | 43,450,852.94 | 219,416,770.31 | 19.80% |
| LAGAWE HIGHLANDS RB INC | 53,823,586.65 | 277,948,351.68 | 19.36% |
| PHIL STAR DEVELOPMENT BANK INC | 11,760,293.28 | 61,020,179.42 | 19.27% |
| COOPERATIVE BANK OF BOHOL | 57,350,903.68 | 309,409,710.97 | 18.54% |
| BALANGA RURAL BANK, INC. | 30,313,650.20 | 168,686,019.57 | 17.97% |
| UCPB SAVINGS BANK | 3,112,090,224.97 | 17,683,241,943.72 | 17.60% |
| MARITIME SAVINGS BANK CORPORATION | 20,488,382.50 | 117,868,092.21 | 17.38% |
| MINDANAO CONSOLIDATED COOPERATIVE BANK | 198,758,316.14 | 1,181,192,118.10 | 16.83% |
| COOP BANK OF PALAWAN | 126,754,286.29 | 768,786,304.52 | 16.49% |
| LEGAZPI SAVINGS BANK INC | 316,415,337.46 | 1,921,488,042.28 | 16.47% |
| BANGKO MABUHAY (A RURAL BANK) INC | 83,920,948.88 | 519,892,073.13 | 16.14% |
| DUNGGANON BANK (A MICROFINANCE RURAL BANK) INC | 42,576,791.49 | 266,071,318.44 | 16.00% |
| CAVITE UNITED RURAL BANK CORP | 81,914,743.34 | 513,176,580.29 | 15.96% |
| LIFE SAVINGS BANK INC | 7,605,238.21 | 49,863,585.38 | 15.25% |
| RURAL BANK OF PLACER (SURIGAO DEL NORTE) INC | 39,433,853.88 | 262,739,496.56 | 15.01% |
| OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE RURAL BANK) | 36,173,647.71 | 242,624,185.10 | 14.91% |
| MARAYO BANK INC (A RURAL BANK) | 275,275,794.18 | 1,862,658,575.90 | 14.78% |
| EAST WEST RURAL BANK INC | 880,546,500.44 | 5,962,853,898.20 | 14.77% |
| COMMON WEALTH RURAL BANK INC | 57,415,799.07 | 390,002,778.83 | 14.72% |
| RB OF PILAR (BATAAN) INC | 35,914,739.14 | 245,856,117.60 | 14.61% |
| GOLDEN RURAL BANK OF THE PHILIPPINES INC | 34,637,059.66 | 239,406,995.86 | 14.47% |
| RB OF MANGALDAN INC(BANGKO RURAL NG MANGALDAN INK) | 29,440,486.26 | 203,609,838.94 | 14.46% |
| RB OF BAGABAG (N.V.)INC | 60,324,712.81 | 430,106,111.79 | 14.03% |
| PACIFIC ACE SAVINGS BANK INC | 10,886,921.00 | 77,945,337.00 | 13.97% |
| EQUICOM SAVINGS BANK INC | 829,931,250.51 | 6,075,017,275.92 | 13.66% |
| FARMERS SAVINGS & LOAN BANK INC | 22,242,246.69 | 163,144,656.02 | 13.63% |
| GUAGUA SAVERS BANK(A RB) INC | 13,875,642.11 | 103,767,385.95 | 13.37% |
| RB OF MARIA AURORA (AURORA) INC | 57,722,988.34 | 439,641,371.74 | 13.13% |
| BATAAN DEVELOPMENT BANK | 36,311,462.59 | 277,004,208.81 | 13.11% |
| COOP BANK OF QUEZON PROVINCE | 47,255,329.60 | 368,327,607.11 | 12.83% |
| RB OF MAGDALENA (LAGUNA) INC | 25,984,098.71 | 202,879,562.07 | 12.81% |
| CITIZEN'S RB (CABIAO) INC | 30,860,759.28 | 241,465,798.20 | 12.78% |
| HIYAS BANKING CORPORATION | 41,714,885.62 | 331,541,655.18 | 12.58% |
| PNB SAVINGS BANK | 6,868,368,029.42 | 54,840,807,876.59 | 12.52% |
| RB OF ALABEL (SARANGANI) INC | 26,331,730.78 | 210,999,622.14 | 12.48% |
| RB OF ANTIPOLO INC | 14,883,933.24 | 120,083,743.02 | 12.39% |
| RB OF ITOGON (BENGUET) INC | 37,357,970.79 | 315,522,734.18 | 11.84% |
| SOUTH BANK (A RURAL BANK) INC | 39,379,794.21 | 332,712,182.79 | 11.84% |
| RB OF BAMBANG (NUEVA VIZCAYA) INC | 46,072,510.77 | 391,719,073.50 | 11.76% |
| NEW RB OF SAN LEONARDO (N.E.) INC | 124,612,583.15 | 1,076,269,105.70 | 11.58% |
| RB OF CENTRAL PANGASINAN (BAYAMBANG) INC | 55,140,320.43 | 480,808,777.71 | 11.47% |
| COMMTY RB OF DAPITAN CITY INC | 37,596,325.04 | 337,625,161.23 | 11.14% |
| SECURED BANK INC (A RB) | 28,561,947.37 | 256,694,242.27 | 11.13% |
| RB OF MIDSAYAP INC | 14,964,884.54 | 134,756,437.03 | 11.11% |
| RB OF TANGUB CITY (MIS OCC) INC | 32,096,082.38 | 294,711,916.65 | 10.89% |
| FIRST TAGUM RURAL BANK INC | 56,140,602.94 | 531,230,403.93 | 10.57% |
| VILLAGE BANK INC (A RURAL BANK) | 55,093,130.01 | 522,359,627.69 | 10.55% |
| NATIONAL TEACHERS & EMP. COOP BANK | 25,819,577.32 | 247,382,037.73 | 10.44% |
| GM BANK OF LUZON INC (A RURAL BANK) | 290,750,682.02 | 2,788,629,070.00 | 10.43% |
| PHILIPPINE VETERANS BANK | 2,710,470,193.60 | 26,390,670,330.01 | 10.27% |
| IMUS RURAL BANK INC | 32,349,824.05 | 315,468,811.47 | 10.25% |
| RB OF SAN PASCUAL(OBANDO BULACAN)INC | 38,064,571.89 | 373,665,784.59 | 10.19% |
| STANDARD CHARTERED BANK | 2,594,590,527.61 | 25,514,160,450.51 | 10.17% |
| MVSM BANK (A RURAL BANK SINCE 1953) INC | 51,992,897.05 | 518,778,509.62 | 10.02% |
| RB OF PORAC (PAMPANGA) INC | 121,176,683.84 | 1,215,384,278.20 | 9.97% |
| RNG COASTAL BANK INC(A RURAL BANK) | 22,707,090.04 | 227,937,419.88 | 9.96% |
| COMMTY RB OF CATMON (CEBU) INC | 36,382,150.34 | 369,731,820.45 | 9.84% |
| COOPERATIVE BANK OF NUEVA VIZCAYA | 33,888,048.15 | 344,926,997.00 | 9.82% |
| ARDCIBANK INC A RURAL BANK | 9,608,224.12 | 98,984,577.69 | 9.71% |
| RURAL BANK OF SAN ANTONIO INC | 28,931,899.50 | 312,527,955.51 | 9.26% |
| RB OF SAN LUIS (PAMPANGA) INC | 17,749,636.92 | 197,108,434.44 | 9.01% |
| BANK OF MAKATI (A SAVINGS BANK) INC | 2,786,266,743.12 | 31,012,979,710.08 | 8.98% |
| ZAMBALES RURAL BANK INC | 45,875,849.83 | 535,399,082.34 | 8.57% |
| RB OF BAYOMBONG INC | 13,851,855.02 | 162,359,216.81 | 8.53% |
| BDO NETWORK BANK INC | 1,982,020,952.80 | 24,176,052,679.00 | 8.20% |
| RB OF LEBAK (SULTAN KUDARAT) INC | 36,411,211.78 | 451,508,236.69 | 8.06% |
| UNIVERSITY SAVINGS BANK INC | 32,181,878.37 | 399,200,382.38 | 8.06% |
| RB OF GATTARAN (CAGAYAN) INC | 24,140,745.17 | 300,253,521.25 | 8.04% |
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 552,651,289.80 | 6,970,434,494.92 | 7.93% |
| RB OF DUMANGAS INC | 29,298,653.36 | 372,414,874.59 | 7.87% |
| RB OF SOLANO (NUEVA VIZCAYA) INC | 35,085,078.18 | 446,006,100.24 | 7.87% |
| CEBUANA LHUILLIER RB INC | 27,021,591.81 | 348,323,155.45 | 7.76% |
| RIZAL MICROBANK INC - A THRIFT BANK OF RCBC | 101,362,354.41 | 1,328,297,352.81 | 7.63% |
| HIGHLAND RURAL BANK INC | 22,003,499.15 | 290,382,936.00 | 7.58% |
| RANG-AY BANK INC (A RURAL BANK) | 158,384,421.34 | 2,092,761,902.90 | 7.57% |
| BANCO LAGUNA INC (A RURAL BANK SINCE 1965) | 23,220,212.21 | 307,136,022.77 | 7.56% |
| CSFIRST BANK INC - A RURAL BANK | 4,748,486.17 | 62,975,220.12 | 7.54% |
| BPI DIRECT BANKO INC A SAVINGS BANK | 996,712,991.52 | 13,288,069,950.34 | 7.50% |
| CORDILLERA SAVINGS BANK INC | 17,131,626.99 | 228,479,762.21 | 7.50% |
| MANOR BANK - A RURAL BANK CORP | 7,405,054.38 | 100,290,548.20 | 7.38% |
| SUGBUANON RB INC | 44,178,908.40 | 608,460,393.93 | 7.26% |
| RB OF CAUAYAN INC | 53,129,586.62 | 742,044,379.57 | 7.16% |
| MAKILING DEVELOPMENT BANK CORPORATION | 45,180,944.28 | 639,154,140.05 | 7.07% |
| BHF RURAL BANK INC | 30,904,935.44 | 445,336,561.59 | 6.94% |
| FIRST CONSOLIDATED BANK INC (A PDB) | 901,090,979.32 | 13,096,075,886.57 | 6.88% |
| BANKWAYS INC (A RURAL BANK) | 47,560,353.42 | 694,672,138.87 | 6.85% |
| RB OF GUINOBATAN INC | 28,110,544.06 | 411,206,473.42 | 6.84% |
| RB OF SAN AGUSTIN (ISABELA) INC | 19,252,532.40 | 284,600,236.69 | 6.76% |
| RB OF DULAG (LEYTE) INC | 11,924,657.95 | 176,283,385.81 | 6.76% |
| MALARAYAT RB INC | 34,581,156.73 | 520,164,085.78 | 6.65% |
| MACTAN RURAL BANK (LAPU-LAPU CITY) INC | 47,692,769.20 | 731,288,226.08 | 6.52% |
| COOP BANK OF COTABATO | 98,405,629.43 | 1,509,043,794.20 | 6.52% |
| GUAGUA RURAL BANK INC | 271,547,625.39 | 4,173,956,352.00 | 6.51% |
| RB OF BAY INC | 14,509,534.27 | 227,260,355.68 | 6.38% |
| WEALTH DEVELOPMENT BANK CORPORATION | 621,166,549.52 | 10,045,322,530.52 | 6.18% |
| CITY SAVINGS BANK INC | 3,694,301,426.70 | 61,557,277,860.74 | 6.00% |
| BAYBANK INC (A RURAL BANK) | 14,750,326.84 | 246,234,554.05 | 5.99% |
| CHINA BANK SAVINGS INC | 4,229,950,092.06 | 71,357,144,054.67 | 5.93% |
| FIRST ISABELA COOP BANK (FICOBANK) | 184,886,307.66 | 3,236,085,828.60 | 5.71% |
| RB OF GLORIA (OR MIN) INC | 2,208,826.63 | 38,990,683.01 | 5.67% |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 1,722,734,572.52 | 31,560,222,185.79 | 5.46% |
| RB OF SAN MATEO(ISABELA) INC | 30,713,321.58 | 565,025,992.25 | 5.44% |
| ILOCOS CONSOLIDATED COOPERATIVE BANK | 70,457,952.93 | 1,329,717,110.70 | 5.30% |
| RB OF PILAR (SORSOGON) INC | 14,842,600.36 | 285,146,335.51 | 5.21% |
| CAMALIG BANK INC (A RURAL BANK) | 47,484,131.05 | 913,741,022.94 | 5.20% |
| BPI FAMILY SAVINGS BANK INC | 11,546,179,067.74 | 228,926,819,325.47 | 5.04% |
| CENTURY SAVINGS BANK CORPORATION | 39,602,529.40 | 811,235,613.01 | 4.88% |
| COUNTRY BUILDERS BANK INC (A RURAL BANK) | 52,614,214.13 | 1,094,776,188.00 | 4.81% |
| MALAYAN BANK SAVINGS AND MORT BANK INC | 255,505,223.87 | 5,336,461,932.57 | 4.79% |
| PRODUCERS SAVINGS BANK CORPORATION | 710,868,746.51 | 15,070,067,143.72 | 4.72% |
| CITYSTATE SAVINGS BANK INC | 125,954,322.18 | 2,696,470,556.37 | 4.67% |
| PHIL BANK OF COMMUNICATIONS | 2,680,449,242.85 | 58,567,820,104.47 | 4.58% |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 2,682,273.55 | 58,915,527.38 | 4.55% |
| NORTH PACIFIC BANKING CORPORATION (A RB OF STA MARIA ISABELA | 11,823,931.06 | 265,056,244.38 | 4.46% |
| EAST WEST BANKING CORP | 10,558,894,602.57 | 237,623,681,652.42 | 4.44% |
| KATIPUNAN BANK INC "A RURAL BANK" | 78,326,162.05 | 1,796,403,179.90 | 4.36% |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 75,265,089.11 | 1,814,938,578.23 | 4.15% |
| ALLBANK (A THRIFT BANK) INC | 109,940,160.95 | 2,822,014,864.73 | 3.90% |
| UNITED COCONUT PLANTERS BANK | 6,476,153,942.20 | 170,881,714,470.05 | 3.79% |
| DUMAGUETE CITY DEV BANK INC | 29,382,938.66 | 784,051,032.13 | 3.75% |
| FILIDIAN RURAL BANK OF ANTIPOLO INC | 5,817,888.46 | 155,270,848.29 | 3.75% |
| BOF INC (A RURAL BANK) | 88,617,691.01 | 2,380,762,183.70 | 3.72% |
| PHIL SAVINGS BANK | 6,072,658,830.18 | 166,201,702,904.97 | 3.65% |
| MALLIG PLAINS RURAL BANK (ISABELA) INC | 21,217,778.73 | 588,702,601.82 | 3.60% |
| BANK ONE SAVINGS CORPORATION | 45,504,400.99 | 1,305,517,374.71 | 3.49% |
| UNION BANK OF THE PHILS | 9,949,863,597.35 | 288,128,386,065.23 | 3.45% |
| GATEWAY RURAL BANK INC | 21,171,042.90 | 617,175,904.98 | 3.43% |
| INNOVATIVE BANK INC (A RURAL BANK) | 2,639,406.46 | 77,250,424.84 | 3.42% |
| CARD SME BANK INC A THRIFT BANK | 175,771,484.37 | 5,227,221,703.60 | 3.36% |
| METRO CEBU PUBLIC SAVINGS BANK | 8,869,721.90 | 268,560,972.10 | 3.30% |
| RIZAL COMM'L BANKING CORP | 14,569,020,645.11 | 448,094,632,095.63 | 3.25% |
| MAYBANK PHILIPPINES INCORPORATED | 2,349,573,797.26 | 74,453,461,334.45 | 3.16% |
| LEMERY SAVINGS & LOAN BANK, INC. | 2,991,081.29 | 96,495,215.49 | 3.10% |
| CENTURY RURAL BANK INC | 8,128,286.10 | 265,024,089.70 | 3.07% |
| CARD MRI RIZAL BANK INC A MICROFINANCE-ORIENTED RURAL BANK | 96,273,749.66 | 3,217,113,493.80 | 2.99% |
| LIFEBANK- A RURAL BANK | 14,156,539.23 | 483,586,960.25 | 2.93% |
| STA MARIA RURAL BANK INC | 2,599,433.38 | 90,966,904.44 | 2.86% |
| QUEZON CAPITAL RB INC | 64,501,899.69 | 2,267,031,929.30 | 2.85% |
| INTER-ASIA DEVELOPMENT BANK | 8,529,843.62 | 303,189,787.73 | 2.81% |
| CARD BANK INC (A MF RB) | 292,213,736.19 | 10,786,324,392.00 | 2.71% |
| RB OF DIGOS INC | 21,053,349.15 | 778,159,067.88 | 2.71% |
| BANGKO KABAYAN INC (A PRIVATE DEVELOPMENT BANK) | 49,026,349.84 | 1,817,763,659.71 | 2.70% |
| DEVELOPMENT BANK OF THE PHIL | 10,014,512,765.00 | 381,423,290,921.65 | 2.63% |
| LAND BANK OF THE PHILIPPINES | 21,644,504,683.59 | 869,313,714,026.93 | 2.49% |
| PHIL TRUST COMPANY | 1,040,436,086.21 | 42,907,267,841.29 | 2.42% |
| RB OF MONTALBAN INC | 2,999,296.73 | 126,131,270.24 | 2.38% |
| RB OF ROSARIO (LA UNION) INC | 4,621,062.49 | 204,613,319.86 | 2.26% |
| RB OF BARILI (CEBU) INC | 20,784,876.54 | 955,301,361.78 | 2.18% |
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 1,828,902,850.93 | 85,096,402,963.91 | 2.15% |
| BANGKO MONTANOSA INC (A RURAL BANK) | 7,364,097.64 | 342,962,868.73 | 2.15% |
| RB OF JAEN INC | 5,592,890.62 | 274,485,417.04 | 2.04% |
| BANK OF COMMERCE | 1,563,843,470.39 | 80,919,658,828.41 | 1.93% |
| CTBC BANK (PHILIPPINES) CORP | 767,709,442.88 | 40,131,817,626.83 | 1.91% |
| RBT BANK INC A RURAL BANK | 8,520,538.16 | 480,163,215.75 | 1.77% |
| RB OF RIZAL (ZAMBOANGA DEL NORTE) INC | 8,847,084.34 | 501,361,443.56 | 1.76% |
| PHIL NATIONAL BANK | 10,411,321,285.01 | 598,290,849,966.30 | 1.74% |
| ASIA UNITED BANK CORPORATION | 2,660,653,130.26 | 157,060,104,396.90 | 1.69% |
| LAGUNA PRESTIGE BANKING CORPORATION (A RURAL BANK) | 5,212,223.10 | 310,020,687.56 | 1.68% |
| RB OF PANDI (BULACAN) INC | 11,862,272.16 | 721,183,715.45 | 1.64% |
| ROBINSONS BANK CORPORATION | 1,051,631,997.57 | 71,027,145,754.86 | 1.48% |
| SECURITY BANK CORP | 6,334,702,451.14 | 445,871,831,241.15 | 1.42% |
| SUN SAVINGS BANK INC | 18,727,627.65 | 1,489,188,291.41 | 1.26% |
| BANGKOK BANK PUBLIC CO LTD | 101,570,641.22 | 9,112,151,457.29 | 1.11% |
| METROPOLITAN BANK & TCO | 12,540,823,512.97 | 1,133,321,428,996.44 | 1.11% |
| BANK OF THE PHIL ISLANDS | 12,129,686,802.76 | 1,173,802,253,523.41 | 1.03% |
| BDO UNIBANK INC | 21,034,014,672.06 | 2,101,853,508,905.17 | 1.00% |
| HSBC SAVINGS BANK(PHILS) INC | 25,894,473.58 | 2,671,168,131.03 | 0.97% |
| RB OF STA IGNACIA INC | 3,631,382.19 | 453,571,028.83 | 0.80% |
| MEGA INT'L COMM'L BANK CO LTD | 88,313,119.32 | 11,551,784,406.69 | 0.76% |
| CHINA BANKING CORP | 3,509,285,531.16 | 501,546,332,419.17 | 0.70% |
| RB OF BROOKE'S POINT (PALAWAN) INC | 1,508,190.02 | 228,318,339.52 | 0.66% |
| CITIBANK, N.A. | 1,382,367,272.21 | 212,652,272,223.09 | 0.65% |
| HONGKONG & SHANGHAI BANKING CORP | 483,627,125.08 | 82,847,355,166.34 | 0.58% |
| KEB HANA BANK - MANILA BRANCH | 23,050,208.32 | 9,520,399,238.98 | 0.24% |
| YUANTA SAVINGS BANK PHILIPPINES INC | 757,889.01 | 755,991,972.73 | 0.10% |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 1,693,682.52 | 1,779,368,154.63 | 0.10% |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 107,342.00 | 429,382,333.76 | 0.02% |
| AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED | 0.00 | 26,611,762,346.56 | 0.00% |
| BANK OF AMERICA N.A. | 0.00 | 12,403,443,140.92 | 0.00% |
| BANK OF CHINA LIMITED-MANILA BRANCH | 0.00 | 22,928,414,348.66 | 0.00% |
| BDO PRIVATE BANK, INC. | 0.00 | 3,931,875,149.36 | 0.00% |
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | 0.00 | 5,063,645,000.00 | 0.00% |
| CHANG HWA COMMERCIAL BANK LTD - MANILA BRANCH | 0.00 | 1,703,560,227.17 | 0.00% |
| CIMB BANK PHILIPPINES INC | 0.00 | 89,440,954.43 | 0.00% |
| DEUTSCHE BANK AG | 0.00 | 26,750,364,158.78 | 0.00% |
| FIRST COMMERCIAL BANK LTD MANILA BRANCH | 0.00 | 2,253,184,820.10 | 0.00% |
| HUA NAN COMMERCIAL BANK LTD MANILA BRANCH | 0.00 | 1,325,041,910.00 | 0.00% |
| INDUSTRIAL AND COMMERCIAL BANK OF CHINA LIMITED - MANILA BRA | 0.00 | 1,338,430,000.00 | 0.00% |
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | 0.00 | 4,609,985,777.79 | 0.00% |
| ING BANK N.V. | 0.00 | 15,596,592,500.00 | 0.00% |
| ISLA BANK(A THRIFT BANK) INC | 0.00 | 875,529,422.34 | 0.00% |
| JP MORGAN CHASE BANK NATIONAL ASSN. | 0.00 | 37,390,237,829.66 | 0.00% |
| MIZUHO BANK LTD - MANILA BRANCH | 0.00 | 58,576,544,019.41 | 0.00% |
| MUFG BANK, LTD. | 0.00 | 42,038,466,631.05 | 0.00% |
| SHINHAN BANK - MANILA BRANCH | 0.00 | 3,886,086,070.00 | 0.00% |
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | 0.00 | 31,004,761,898.29 | 0.00% |
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | 0.00 | 2,204,356,510.00 | 0.00% |
| Grand Total | 220,256,675,325.88 | 10,527,506,260,682.00 | 2.09% |
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 | |||
| September 30, 2019 | |||
| Gross NPL/ Gross TLP | |||
| Bank | Gross NPLs | Gross TLP | (In %) |
| RB OF GENERAL TRIAS INC | 37,531,745.53 | 49,133,639.73 | 76.39% |
| RB OF MARAGONDON INC | 29,849,732.67 | 42,332,818.70 | 70.51% |
| PEOPLES BANK OF CARAGA INC (A RURAL BANK) | 583,370,393.45 | 886,593,568.57 | 65.80% |
| RB OF POZORRUBIO INC | 19,413,789.09 | 50,351,429.46 | 38.56% |
| ALIAGA FARMERS RURAL BANK INC | 115,395,277.41 | 327,002,628.95 | 35.29% |
| BANCO MEXICO INC (A RURAL BANK) | 56,410,202.91 | 169,947,467.00 | 33.19% |
| COOP BANK OF BENGUET (CBB) | 70,519,318.34 | 245,287,723.77 | 28.75% |
| CONSOLIDATED COOPERATIVE BANK | 347,744,329.21 | 1,243,432,066.40 | 27.97% |
| RB OF MABALACAT INC | 39,083,297.13 | 141,992,455.64 | 27.52% |
| MT CARMEL RURAL BANK INC | 214,476,076.62 | 817,916,373.78 | 26.22% |
| AMA RURAL BANK OF MANDALUYONG INC | 531,562,421.68 | 2,054,498,509.70 | 25.87% |
| COOP BANK OF CAGAYAN | 84,729,881.10 | 328,651,453.80 | 25.78% |
| ENTERPRISE BANK INC (A THRIFT BANK) | 426,064,075.39 | 1,677,706,750.77 | 25.40% |
| PAMPANGA DEVELOPMENT BANK | 102,281,886.96 | 403,486,414.70 | 25.35% |
| RB OF POLA (ORIENTAL MINDORO) INC | 48,334,134.26 | 192,038,798.68 | 25.17% |
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 10.01% of Stockholders Equity as of September 30, 2019.
| Philippine Banking System | |||
| NPL as % of SE | |||
| September 30, 2019 | |||
| NPL | SE | NPL/SE | |
| Bank | (In PHP) | (In PHP) | (In %) |
| PEOPLES BANK OF CARAGA INC (A RURAL BANK) | 583,370,393.45 | 151,315,801.79 | 385.53% |
| ENTERPRISE BANK INC (A THRIFT BANK) | 426,064,075.39 | 231,051,873.44 | 184.40% |
| CONSOLIDATED COOPERATIVE BANK | 347,744,329.21 | 248,693,789.08 | 139.83% |
| COOP BANK OF BENGUET (CBB) | 70,519,318.34 | 50,813,750.30 | 138.78% |
| COOP BANK OF CAGAYAN | 84,729,881.10 | 63,488,079.19 | 133.46% |
| BANCO MEXICO INC (A RURAL BANK) | 56,410,202.91 | 45,304,960.82 | 124.51% |
| ALIAGA FARMERS RURAL BANK INC | 115,395,277.41 | 97,813,356.20 | 117.97% |
| UCPB SAVINGS BANK | 3,112,090,224.97 | 2,721,313,519.35 | 114.36% |
| LIBERTY BANK (A RURAL BANK) INC | 39,439,090.88 | 35,289,144.14 | 111.76% |
| EQUICOM SAVINGS BANK INC | 829,931,250.51 | 753,741,341.29 | 110.11% |
| LAGAWE HIGHLANDS RB INC | 53,823,586.65 | 49,367,144.08 | 109.03% |
| PBCOM RURAL BANK INC | 502,042,842.55 | 485,105,551.87 | 103.49% |
| ENTREPRENEUR RB INC | 62,927,861.65 | 61,761,476.74 | 101.89% |
| MT CARMEL RURAL BANK INC | 214,476,076.62 | 251,387,833.60 | 85.32% |
| CANTILAN BANK INC (A RURAL BANK) | 308,173,872.31 | 387,471,661.16 | 79.53% |
| PHILIPPINE VETERANS BANK | 2,710,470,193.60 | 3,413,582,003.67 | 79.40% |
| BENGUET CENTER BANK INC A RB | 43,450,852.94 | 55,503,672.40 | 78.28% |
| RB OF CARDONA (RIZAL) INC | 85,306,293.42 | 109,657,924.68 | 77.79% |
| VILLAGE BANK INC (A RURAL BANK) | 55,093,130.01 | 74,953,447.09 | 73.50% |
| COOPERATIVE BANK OF BOHOL | 57,350,903.68 | 78,447,042.24 | 73.11% |
| GM BANK OF LUZON INC (A RURAL BANK) | 290,750,682.02 | 413,000,595.24 | 70.40% |
| PLANBANK "RB OF CANLUBANG PLANTERS INC" | 66,233,056.46 | 95,483,908.38 | 69.37% |
| MINDANAO CONSOLIDATED COOPERATIVE BANK | 198,758,316.14 | 301,455,869.07 | 65.93% |
| SAVIOUR RURAL BANK INC | 59,956,733.31 | 91,671,607.32 | 65.40% |
| AGRIBUSINESS RURAL BANK INC | 539,575,163.62 | 826,155,612.02 | 65.31% |
| PNB SAVINGS BANK | 6,868,368,029.42 | 10,584,017,079.36 | 64.89% |
| METRO SOUTH COOP BANK | 506,511,304.26 | 789,628,390.99 | 64.15% |
| RB OF POZORRUBIO INC | 19,413,789.09 | 31,120,535.33 | 62.38% |
| RB OF SAN PASCUAL(OBANDO BULACAN)INC | 38,064,571.89 | 62,285,174.75 | 61.11% |
| COOP BANK OF PALAWAN | 126,754,286.29 | 209,887,267.42 | 60.39% |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 1,722,734,572.52 | 2,873,805,677.87 | 59.95% |
| RB OF MABALACAT INC | 39,083,297.13 | 65,763,723.17 | 59.43% |
| PANGASINAN BANK (A RB) INC | 38,056,676.89 | 67,539,693.65 | 56.35% |
| RB OF MARAGONDON INC | 29,849,732.67 | 54,706,087.37 | 54.56% |
| CITIZEN'S RB (CABIAO) INC | 30,860,759.28 | 57,014,146.98 | 54.13% |
| NEW RB OF SAN LEONARDO (N.E.) INC | 124,612,583.15 | 231,420,038.29 | 53.85% |
| LEGAZPI SAVINGS BANK INC | 316,415,337.46 | 588,798,805.64 | 53.74% |
| SOUTH BANK (A RURAL BANK) INC | 39,379,794.21 | 73,504,264.44 | 53.57% |
| GOLDEN RURAL BANK OF THE PHILIPPINES INC | 34,637,059.66 | 65,288,087.66 | 53.05% |
| AMA RURAL BANK OF MANDALUYONG INC | 531,562,421.68 | 1,044,403,394.30 | 50.90% |
| SUMMIT BANK (RB OF TUBLAY INC) | 174,277,735.02 | 343,569,991.45 | 50.73% |
| FIRST IMPERIAL BUSINESS BANK INC (A RURAL BANK) | 119,780,269.66 | 257,700,756.55 | 46.48% |
| RB OF BAMBANG (NUEVA VIZCAYA) INC | 46,072,510.77 | 99,303,178.99 | 46.40% |
| BALANGA RURAL BANK, INC. | 30,313,650.20 | 66,278,584.72 | 45.74% |
| COOP BANK OF QUEZON PROVINCE | 47,255,329.60 | 105,588,591.92 | 44.75% |
| RB OF SAN AGUSTIN (ISABELA) INC | 19,252,532.40 | 43,817,315.91 | 43.94% |
| CHINA BANK SAVINGS INC | 4,229,950,092.06 | 10,029,845,115.49 | 42.17% |
| MARAYO BANK INC (A RURAL BANK) | 275,275,794.18 | 663,181,642.20 | 41.51% |
| RB OF MANGALDAN INC(BANGKO RURAL NG MANGALDAN INK) | 29,440,486.26 | 71,129,045.00 | 41.39% |
| WEALTH DEVELOPMENT BANK CORPORATION | 621,166,549.52 | 1,501,272,941.23 | 41.38% |
| RB OF SAN NARCISO INC | 17,485,679.30 | 42,606,227.10 | 41.04% |
| PAMPANGA DEVELOPMENT BANK | 102,281,886.96 | 252,451,867.38 | 40.52% |
| ASPAC RURAL BANK INC | 106,431,661.59 | 265,002,213.86 | 40.16% |
| RB OF PORAC (PAMPANGA) INC | 121,176,683.84 | 303,060,215.83 | 39.98% |
| RB OF BAGABAG (N.V.)INC | 60,324,712.81 | 150,931,109.15 | 39.97% |
| FIRST AGRO-INDUSTRIAL RB INC(FAIRBANK) | 44,997,403.55 | 112,635,152.29 | 39.95% |
| RB OF LEBAK (SULTAN KUDARAT) INC | 36,411,211.78 | 91,285,949.79 | 39.89% |
| OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE RURAL BANK) | 36,173,647.71 | 93,169,577.61 | 38.83% |
| MARITIME SAVINGS BANK CORPORATION | 20,488,382.50 | 53,123,817.38 | 38.57% |
| BPI DIRECT BANKO INC A SAVINGS BANK | 996,712,991.52 | 2,659,188,621.11 | 37.48% |
| STANDARD CHARTERED BANK | 2,594,590,527.61 | 7,051,232,947.85 | 36.80% |
| BPI FAMILY SAVINGS BANK INC | 11,546,179,067.74 | 32,558,421,330.89 | 35.46% |
| UNITED COCONUT PLANTERS BANK | 6,476,153,942.20 | 18,462,663,888.20 | 35.08% |
| COMMON WEALTH RURAL BANK INC | 57,415,799.07 | 166,998,560.40 | 34.38% |
| BATAAN DEVELOPMENT BANK | 36,311,462.59 | 106,394,567.93 | 34.13% |
| RB OF ITOGON (BENGUET) INC | 37,357,970.79 | 109,724,435.72 | 34.05% |
| RURAL BANK OF PLACER (SURIGAO DEL NORTE) INC | 39,433,853.88 | 116,260,560.60 | 33.92% |
| COOPERATIVE BANK OF NUEVA VIZCAYA | 33,888,048.15 | 100,998,685.58 | 33.55% |
| COMMTY RB OF CATMON (CEBU) INC | 36,382,150.34 | 109,761,649.27 | 33.15% |
| COMMTY RB OF DAPITAN CITY INC | 37,596,325.04 | 116,743,358.81 | 32.20% |
| PRODUCERS SAVINGS BANK CORPORATION | 710,868,746.51 | 2,208,032,488.24 | 32.19% |
| ILOCOS CONSOLIDATED COOPERATIVE BANK | 70,457,952.93 | 218,908,237.99 | 32.19% |
| BDO NETWORK BANK INC | 1,982,020,952.80 | 6,184,235,404.30 | 32.05% |
| SUGBUANON RB INC | 44,178,908.40 | 138,907,669.18 | 31.80% |
| RB OF CENTRAL PANGASINAN (BAYAMBANG) INC | 55,140,320.43 | 179,161,895.58 | 30.78% |
| RB OF DUMANGAS INC | 29,298,653.36 | 95,740,314.74 | 30.60% |
| RB OF GENERAL TRIAS INC | 37,531,745.53 | 124,143,759.35 | 30.23% |
| RB OF TANGUB CITY (MIS OCC) INC | 32,096,082.38 | 107,435,018.42 | 29.87% |
| RANG-AY BANK INC (A RURAL BANK) | 158,384,421.34 | 561,681,040.58 | 28.20% |
| MVSM BANK (A RURAL BANK SINCE 1953) INC | 51,992,897.05 | 190,858,520.48 | 27.24% |
| NORTHPOINT DEV'T BANK INC | 111,397,401.35 | 409,999,639.43 | 27.17% |
| DUNGGANON BANK (A MICROFINANCE RURAL BANK) INC | 42,576,791.49 | 159,900,532.34 | 26.63% |
| BANGKO MABUHAY (A RURAL BANK) INC | 83,920,948.88 | 317,070,043.77 | 26.47% |
| RB OF SAN MATEO(ISABELA) INC | 30,713,321.58 | 116,453,554.99 | 26.37% |
| BANKWAYS INC (A RURAL BANK) | 47,560,353.42 | 184,918,196.75 | 25.72% |
| RB OF MARIA AURORA (AURORA) INC | 57,722,988.34 | 225,384,386.84 | 25.61% |
| BANK OF MAKATI (A SAVINGS BANK) INC | 2,786,266,743.12 | 10,892,770,719.43 | 25.58% |
| RB OF GUINOBATAN INC | 28,110,544.06 | 111,701,221.17 | 25.17% |
| RB OF ALABEL (SARANGANI) INC | 26,331,730.78 | 104,798,884.50 | 25.13% |
| RB OF MAGDALENA (LAGUNA) INC | 25,984,098.71 | 104,430,374.40 | 24.88% |
| RB OF PILAR (BATAAN) INC | 35,914,739.14 | 146,488,971.17 | 24.52% |
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 552,651,289.80 | 2,264,120,462.25 | 24.41% |
| MACTAN RURAL BANK (LAPU-LAPU CITY) INC | 47,692,769.20 | 196,351,058.72 | 24.29% |
| GUAGUA RURAL BANK INC | 271,547,625.39 | 1,123,573,756.00 | 24.17% |
| CITY SAVINGS BANK INC | 3,694,301,426.70 | 15,890,455,575.11 | 23.25% |
| RB OF GATTARAN (CAGAYAN) INC | 24,140,745.17 | 104,419,421.12 | 23.12% |
| HIYAS BANKING CORPORATION | 41,714,885.62 | 185,825,993.35 | 22.45% |
| EAST WEST BANKING CORP | 10,558,894,602.57 | 47,293,240,365.48 | 22.33% |
| RURAL BANK OF SAN ANTONIO INC | 28,931,899.50 | 132,916,350.48 | 21.77% |
| SECURED BANK INC (A RB) | 28,561,947.37 | 131,268,170.62 | 21.76% |
| RB OF BAY INC | 14,509,534.27 | 67,472,120.89 | 21.50% |
| EAST WEST RURAL BANK INC | 880,546,500.44 | 4,172,718,475.30 | 21.10% |
| NATIONAL TEACHERS & EMP. COOP BANK | 25,819,577.32 | 122,420,002.09 | 21.09% |
| ZAMBALES RURAL BANK INC | 45,875,849.83 | 217,831,630.15 | 21.06% |
| GATEWAY RURAL BANK INC | 21,171,042.90 | 100,819,685.28 | 21.00% |
| RB OF CAUAYAN INC | 53,129,586.62 | 255,414,640.04 | 20.80% |
| PHIL BANK OF COMMUNICATIONS | 2,680,449,242.85 | 13,109,979,929.29 | 20.45% |
| MALAYAN BANK SAVINGS AND MORT BANK INC | 255,505,223.87 | 1,328,023,608.47 | 19.24% |
| CITYSTATE SAVINGS BANK INC | 125,954,322.18 | 657,956,277.37 | 19.14% |
| BANCO LAGUNA INC (A RURAL BANK SINCE 1965) | 23,220,212.21 | 123,764,232.80 | 18.76% |
| MALARAYAT RB INC | 34,581,156.73 | 184,476,970.16 | 18.75% |
| RB OF PILAR (SORSOGON) INC | 14,842,600.36 | 80,295,715.11 | 18.48% |
| CAVITE UNITED RURAL BANK CORP | 81,914,743.34 | 447,656,837.12 | 18.30% |
| PHIL SAVINGS BANK | 6,072,658,830.18 | 33,214,586,464.09 | 18.28% |
| MAYBANK PHILIPPINES INCORPORATED | 2,349,573,797.26 | 13,002,132,570.99 | 18.07% |
| BAYBANK INC (A RURAL BANK) | 14,750,326.84 | 81,862,686.54 | 18.02% |
| QUEZON CAPITAL RB INC | 64,501,899.69 | 365,911,790.97 | 17.63% |
| FIRST ISABELA COOP BANK (FICOBANK) | 184,886,307.66 | 1,051,065,269.80 | 17.59% |
| FIRST TAGUM RURAL BANK INC | 56,140,602.94 | 319,320,356.24 | 17.58% |
| GUAGUA SAVERS BANK(A RB) INC | 13,875,642.11 | 79,447,348.48 | 17.47% |
| NORTH PACIFIC BANKING CORPORATION (A RB OF STA MARIA ISABELA | 11,823,931.06 | 68,305,971.91 | 17.31% |
| FIRST CONSOLIDATED BANK INC (A PDB) | 901,090,979.32 | 5,221,330,989.13 | 17.26% |
| RIZAL COMM'L BANKING CORP | 14,569,020,645.11 | 84,678,647,795.18 | 17.21% |
| DEVELOPMENT BANK OF THE PHIL | 10,014,512,765.00 | 58,221,636,076.64 | 17.20% |
| MALLIG PLAINS RURAL BANK (ISABELA) INC | 21,217,778.73 | 124,263,548.22 | 17.07% |
| RIZAL MICROBANK INC - A THRIFT BANK OF RCBC | 101,362,354.41 | 596,136,560.54 | 17.00% |
| FARMERS SAVINGS & LOAN BANK INC | 22,242,246.69 | 131,470,941.48 | 16.92% |
| RB OF SAN LUIS (PAMPANGA) INC | 17,749,636.92 | 108,654,457.75 | 16.34% |
| CEBUANA LHUILLIER RB INC | 27,021,591.81 | 167,835,713.50 | 16.10% |
| CAMALIG BANK INC (A RURAL BANK) | 47,484,131.05 | 295,526,189.02 | 16.07% |
| RB OF POLA (ORIENTAL MINDORO) INC | 48,334,134.26 | 301,001,698.91 | 16.06% |
| KATIPUNAN BANK INC "A RURAL BANK" | 78,326,162.05 | 499,046,308.17 | 15.70% |
| IMUS RURAL BANK INC | 32,349,824.05 | 208,572,171.32 | 15.51% |
| RB OF SOLANO (NUEVA VIZCAYA) INC | 35,085,078.18 | 226,740,756.04 | 15.47% |
| RB OF MIDSAYAP INC | 14,964,884.54 | 98,377,062.30 | 15.21% |
| LAND BANK OF THE PHILIPPINES | 21,644,504,683.59 | 144,872,072,085.65 | 14.94% |
| COOP BANK OF COTABATO | 98,405,629.43 | 676,641,167.08 | 14.54% |
| COUNTRY BUILDERS BANK INC (A RURAL BANK) | 52,614,214.13 | 362,527,294.60 | 14.51% |
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 1,828,902,850.93 | 12,685,297,990.77 | 14.42% |
| BOF INC (A RURAL BANK) | 88,617,691.01 | 615,466,577.06 | 14.40% |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 75,265,089.11 | 527,383,826.07 | 14.27% |
| RB OF ANTIPOLO INC | 14,883,933.24 | 105,964,378.52 | 14.05% |
| RB OF STA ROSA DE LIMA (PANIQUI TARLAC) INC | 22,796,396.46 | 162,369,192.31 | 14.04% |
| CSFIRST BANK INC - A RURAL BANK | 4,748,486.17 | 34,154,398.21 | 13.90% |
| RNG COASTAL BANK INC(A RURAL BANK) | 22,707,090.04 | 163,362,028.26 | 13.90% |
| HIGHLAND RURAL BANK INC | 22,003,499.15 | 160,079,854.42 | 13.75% |
| MAKILING DEVELOPMENT BANK CORPORATION | 45,180,944.28 | 334,940,661.61 | 13.49% |
| CORDILLERA SAVINGS BANK INC | 17,131,626.99 | 130,257,824.84 | 13.15% |
| PACIFIC ACE SAVINGS BANK INC | 10,886,921.00 | 86,932,592.22 | 12.52% |
| CARD SME BANK INC A THRIFT BANK | 175,771,484.37 | 1,413,210,128.04 | 12.44% |
| UNION BANK OF THE PHILS | 9,949,863,597.35 | 90,031,207,561.85 | 11.05% |
| CENTURY RURAL BANK INC | 8,128,286.10 | 74,363,964.21 | 10.93% |
| RB OF DULAG (LEYTE) INC | 11,924,657.95 | 110,555,064.71 | 10.79% |
| METRO CEBU PUBLIC SAVINGS BANK | 8,869,721.90 | 84,552,693.92 | 10.49% |
| ALLBANK (A THRIFT BANK) INC | 109,940,160.95 | 1,082,792,496.69 | 10.15% |
| ARDCIBANK INC A RURAL BANK | 9,608,224.12 | 95,009,618.61 | 10.11% |
| LIFE SAVINGS BANK INC | 7,605,238.21 | 75,302,886.99 | 10.10% |
| CARD MRI RIZAL BANK INC A MICROFINANCE-ORIENTED RURAL BANK | 96,273,749.66 | 973,506,215.29 | 9.89% |
| BANK OF COMMERCE | 1,563,843,470.39 | 16,003,962,680.09 | 9.77% |
| RB OF DIGOS INC | 21,053,349.15 | 215,991,814.91 | 9.75% |
| INTER-ASIA DEVELOPMENT BANK | 8,529,843.62 | 90,020,051.99 | 9.48% |
| RB OF JAEN INC | 5,592,890.62 | 59,375,473.65 | 9.42% |
| PHIL STAR DEVELOPMENT BANK INC | 11,760,293.28 | 131,404,641.21 | 8.95% |
| BHF RURAL BANK INC | 30,904,935.44 | 346,399,189.16 | 8.92% |
| DUMAGUETE CITY DEV BANK INC | 29,382,938.66 | 332,606,988.09 | 8.83% |
| BANGKO KABAYAN INC (A PRIVATE DEVELOPMENT BANK) | 49,026,349.84 | 585,073,959.24 | 8.38% |
| CTBC BANK (PHILIPPINES) CORP | 767,709,442.88 | 9,181,289,455.29 | 8.36% |
| RB OF BAYOMBONG INC | 13,851,855.02 | 168,201,802.94 | 8.24% |
| ASIA UNITED BANK CORPORATION | 2,660,653,130.26 | 32,636,474,980.14 | 8.15% |
| UNIVERSITY SAVINGS BANK INC | 32,181,878.37 | 433,462,676.06 | 7.42% |
| PHIL NATIONAL BANK | 10,411,321,285.01 | 141,586,995,253.43 | 7.35% |
| BANK ONE SAVINGS CORPORATION | 45,504,400.99 | 644,576,796.27 | 7.06% |
| CARD BANK INC (A MF RB) | 292,213,736.19 | 4,174,141,999.90 | 7.00% |
| RB OF ROSARIO (LA UNION) INC | 4,621,062.49 | 67,858,751.49 | 6.81% |
| MANOR BANK - A RURAL BANK CORP | 7,405,054.38 | 115,454,531.77 | 6.41% |
| BANGKO MONTANOSA INC (A RURAL BANK) | 7,364,097.64 | 114,915,860.87 | 6.41% |
| CITIBANK, N.A. | 1,382,367,272.21 | 21,712,236,043.56 | 6.37% |
| ROBINSONS BANK CORPORATION | 1,051,631,997.57 | 16,699,002,617.27 | 6.30% |
| RB OF RIZAL (ZAMBOANGA DEL NORTE) INC | 8,847,084.34 | 151,529,706.27 | 5.84% |
| BDO UNIBANK INC | 21,034,014,672.06 | 362,474,458,294.50 | 5.80% |
| SUN SAVINGS BANK INC | 18,727,627.65 | 322,755,032.96 | 5.80% |
| SECURITY BANK CORP | 6,334,702,451.14 | 117,396,633,658.88 | 5.40% |
| RB OF BARILI (CEBU) INC | 20,784,876.54 | 385,451,353.45 | 5.39% |
| BANK OF THE PHIL ISLANDS | 12,129,686,802.76 | 265,355,613,097.31 | 4.57% |
| RB OF PANDI (BULACAN) INC | 11,862,272.16 | 260,907,764.64 | 4.55% |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 2,682,273.55 | 59,266,874.42 | 4.53% |
| RB OF MONTALBAN INC | 2,999,296.73 | 67,774,529.26 | 4.43% |
| LIFEBANK- A RURAL BANK | 14,156,539.23 | 332,531,154.63 | 4.26% |
| METROPOLITAN BANK & TCO | 12,540,823,512.97 | 303,510,346,112.31 | 4.13% |
| CHINA BANKING CORP | 3,509,285,531.16 | 86,102,936,448.88 | 4.08% |
| PHIL TRUST COMPANY | 1,040,436,086.21 | 25,709,455,440.56 | 4.05% |
| CENTURY SAVINGS BANK CORPORATION | 39,602,529.40 | 995,578,489.76 | 3.98% |
| RBT BANK INC A RURAL BANK | 8,520,538.16 | 214,976,582.05 | 3.96% |
| FILIDIAN RURAL BANK OF ANTIPOLO INC | 5,817,888.46 | 148,904,717.58 | 3.91% |
| LEMERY SAVINGS & LOAN BANK, INC. | 2,991,081.29 | 93,543,139.29 | 3.20% |
| STA MARIA RURAL BANK INC | 2,599,433.38 | 81,695,858.99 | 3.18% |
| HONGKONG & SHANGHAI BANKING CORP | 483,627,125.08 | 16,482,222,225.07 | 2.93% |
| RB OF STA IGNACIA INC | 3,631,382.19 | 135,256,299.42 | 2.68% |
| MEGA INT'L COMM'L BANK CO LTD | 88,313,119.32 | 3,587,282,618.14 | 2.46% |
| LAGUNA PRESTIGE BANKING CORPORATION (A RURAL BANK) | 5,212,223.10 | 235,970,489.21 | 2.21% |
| RB OF GLORIA (OR MIN) INC | 2,208,826.63 | 103,270,392.21 | 2.14% |
| BANGKOK BANK PUBLIC CO LTD | 101,570,641.22 | 4,751,572,322.27 | 2.14% |
| RB OF BROOKE'S POINT (PALAWAN) INC | 1,508,190.02 | 102,019,612.05 | 1.48% |
| HSBC SAVINGS BANK(PHILS) INC | 25,894,473.58 | 1,836,631,955.41 | 1.41% |
| INNOVATIVE BANK INC (A RURAL BANK) | 2,639,406.46 | 364,749,724.53 | 0.72% |
| KEB HANA BANK - MANILA BRANCH | 23,050,208.32 | 3,937,070,241.30 | 0.59% |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 1,693,682.52 | 680,616,164.64 | 0.25% |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 107,342.00 | 113,772,376.20 | 0.09% |
| YUANTA SAVINGS BANK PHILIPPINES INC | 757,889.01 | 851,472,144.87 | 0.09% |
| AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED | 0.00 | 4,540,020,984.97 | 0.00% |
| BANK OF AMERICA N.A. | 0.00 | 2,295,963,002.89 | 0.00% |
| BANK OF CHINA LIMITED-MANILA BRANCH | 0.00 | 10,367,380,583.63 | 0.00% |
| BDO PRIVATE BANK, INC. | 0.00 | 6,558,826,021.32 | 0.00% |
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | 0.00 | 5,268,704,064.98 | 0.00% |
| CHANG HWA COMMERCIAL BANK LTD - MANILA BRANCH | 0.00 | 2,177,928,149.87 | 0.00% |
| CIMB BANK PHILIPPINES INC | 0.00 | 2,924,027,398.32 | 0.00% |
| DEUTSCHE BANK AG | 0.00 | 3,458,358,028.54 | 0.00% |
| FIRST COMMERCIAL BANK LTD MANILA BRANCH | 0.00 | 2,048,897,495.30 | 0.00% |
| HUA NAN COMMERCIAL BANK LTD MANILA BRANCH | 0.00 | 2,076,237,971.52 | 0.00% |
| INDUSTRIAL AND COMMERCIAL BANK OF CHINA LIMITED - MANILA BRA | 0.00 | 3,791,221,539.00 | 0.00% |
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | 0.00 | 4,100,954,713.76 | 0.00% |
| ING BANK N.V. | 0.00 | 2,739,797,154.08 | 0.00% |
| ISLA BANK(A THRIFT BANK) INC | 0.00 | 771,770,214.52 | 0.00% |
| JP MORGAN CHASE BANK NATIONAL ASSN. | 0.00 | 3,596,576,706.13 | 0.00% |
| MIZUHO BANK LTD - MANILA BRANCH | 0.00 | 8,935,168,660.59 | 0.00% |
| MUFG BANK, LTD. | 0.00 | 4,709,337,045.42 | 0.00% |
| SHINHAN BANK - MANILA BRANCH | 0.00 | 4,294,127,534.82 | 0.00% |
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | 0.00 | 12,994,796,498.58 | 0.00% |
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | 0.00 | 2,424,728,073.99 | 0.00% |
| Grand Total | 220,256,675,325.88 | 2,201,111,732,843.21 | 10.01% |
Seventy-seven banks had NPLs greater than 30% of their Stockholder's Equity. People's Bank of Caraga Inc tops the list. It has Php 583.37 million in Gross NPLs backed up by an equity base of Php 151.32 million as of September 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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