This blog post updates previous blog posts such as The Now Shuttered AMA Rural Bank of Mandaluyong's Gross NPLs Were More Than 50% of its Stockholder's Equity As of September 30, 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".
| Philippine Banking System | |||
| NPL as % of TLP | |||
| December 31, 2019 | |||
| Gross NPL/ Gross TLP | |||
| Bank | Gross NPLs | Gross TLP | (In %) |
| BANK OF MAKATI (A SAVINGS BANK) INC | 2,771,217,072.88 | 1,361,351,262.64 | 203.56% |
| CTBC BANK (PHILIPPINES) CORP | 891,103,833.66 | 491,477,429.89 | 181.31% |
| RB OF MARAGONDON INC | 29,024,949.67 | 40,233,860.30 | 72.14% |
| PEOPLES BANK OF CARAGA INC (A RURAL BANK) | 565,711,268.10 | 821,552,559.16 | 68.86% |
| OVERSEAS FILIPINO BANK INC A SAVINGS BANK OF LANDBANK | 2,355,538,693.87 | 3,643,258,861.09 | 64.65% |
| RB OF GENERAL TRIAS INC | 33,140,638.93 | 56,806,789.12 | 58.34% |
| ALIAGA FARMERS RURAL BANK INC | 113,988,275.57 | 327,625,918.96 | 34.79% |
| RB OF POZORRUBIO INC | 17,168,894.87 | 49,584,657.29 | 34.63% |
| RB OF MIAGAO (ILOILO) INC | 44,495,788.62 | 128,869,018.03 | 34.53% |
| BANCO MEXICO INC (A RURAL BANK) | 54,512,588.40 | 176,396,974.66 | 30.90% |
| PROGRESSIVE BANK INC (PROGRESSIVE A RURAL BANK INC) | 114,058,413.39 | 387,136,025.94 | 29.46% |
| RB OF MABALACAT INC | 42,227,556.10 | 143,564,567.89 | 29.41% |
| RB OF POLA (ORIENTAL MINDORO) INC | 50,484,335.03 | 185,261,599.45 | 27.25% |
| AGRIBUSINESS RURAL BANK INC | 639,106,867.04 | 2,355,553,049.77 | 27.13% |
| PAMPANGA DEVELOPMENT BANK | 96,834,846.23 | 358,084,875.21 | 27.04% |
| RB OF CARDONA (RIZAL) INC | 99,257,277.50 | 372,997,162.22 | 26.61% |
| RB OF SAN NARCISO INC | 20,018,035.04 | 76,673,310.43 | 26.11% |
| SUMMIT BANK (RB OF TUBLAY INC) | 185,752,914.57 | 736,726,300.94 | 25.21% |
| ENTERPRISE BANK INC (A THRIFT BANK) | 398,812,178.61 | 1,603,432,646.14 | 24.87% |
| COOP BANK OF CAGAYAN | 80,259,471.43 | 338,113,922.15 | 23.74% |
| FIRST AGRO-INDUSTRIAL RB INC(FAIRBANK) | 51,296,809.35 | 216,637,594.01 | 23.68% |
| PACIFIC ACE SAVINGS BANK INC | 21,499,031.00 | 91,361,494.00 | 23.53% |
| RB OF STA ROSA DE LIMA (PANIQUI TARLAC) INC | 22,033,519.20 | 94,670,034.33 | 23.27% |
| FIRST IMPERIAL BUSINESS BANK INC (A RURAL BANK) | 115,602,605.64 | 497,962,675.74 | 23.22% |
| PBCOM RURAL BANK INC | 436,056,314.25 | 2,048,633,013.18 | 21.29% |
| ENTREPRENEUR RB INC | 56,894,414.64 | 270,536,859.80 | 21.03% |
| LIBERTY BANK (A RURAL BANK) INC | 37,583,427.01 | 180,603,809.81 | 20.81% |
| UCPB SAVINGS BANK | 3,302,674,267.04 | 15,883,227,677.59 | 20.79% |
| FARMERS SAVINGS & LOAN BANK INC | 33,992,131.90 | 164,166,409.14 | 20.71% |
| MARITIME SAVINGS BANK CORPORATION | 24,380,210.21 | 118,584,975.60 | 20.56% |
| BENGUET CENTER BANK INC A RB | 43,044,985.40 | 210,954,922.71 | 20.40% |
| ASPAC RURAL BANK INC | 106,051,737.19 | 521,655,554.58 | 20.33% |
| LUZON DEVELOPMENT BANK | 746,844,275.39 | 3,674,109,531.89 | 20.33% |
| NORTHPOINT DEV'T BANK INC | 113,199,742.53 | 561,355,367.80 | 20.17% |
| PANGASINAN BANK (A RB) INC | 33,946,235.36 | 168,498,073.26 | 20.15% |
| SAVIOUR RURAL BANK INC | 57,006,376.70 | 283,696,403.57 | 20.09% |
| RB OF BAGABAG (N.V.)INC | 85,034,628.05 | 437,704,229.72 | 19.43% |
| CONSOLIDATED COOPERATIVE BANK | 220,297,895.04 | 1,167,096,333.64 | 18.88% |
| CANTILAN BANK INC (A RURAL BANK) | 301,260,224.80 | 1,628,893,800.67 | 18.49% |
| PLANBANK "RB OF CANLUBANG PLANTERS INC" | 57,617,003.16 | 316,346,186.66 | 18.21% |
| COOPERATIVE BANK OF BOHOL | 53,937,461.18 | 301,878,287.32 | 17.87% |
| COMMON WEALTH RURAL BANK INC | 67,086,963.80 | 390,540,244.80 | 17.18% |
| BANGKO MABUHAY (A RURAL BANK) INC | 84,312,979.95 | 496,129,916.20 | 16.99% |
| RB OF PILAR (BATAAN) INC | 40,439,389.35 | 242,436,004.91 | 16.68% |
| EAST WEST RURAL BANK INC | 909,428,254.82 | 5,622,276,185.16 | 16.18% |
| LEGAZPI SAVINGS BANK INC | 302,850,134.83 | 1,880,820,094.65 | 16.10% |
| DUNGGANON BANK (A MICROFINANCE RURAL BANK) INC | 42,327,195.63 | 266,884,533.59 | 15.86% |
| COOP BANK OF PALAWAN | 124,812,926.87 | 790,690,936.85 | 15.79% |
| RB OF ANTIPOLO INC | 18,685,383.19 | 119,159,207.83 | 15.68% |
| MARAYO BANK INC (A RURAL BANK) | 286,255,626.26 | 1,846,777,395.57 | 15.50% |
| STANDARD CHARTERED BANK | 2,563,892,168.52 | 16,552,569,414.32 | 15.49% |
| RB OF ALABEL (SARANGANI) INC | 31,610,982.73 | 210,345,976.10 | 15.03% |
| RB OF MANGALDAN INC(BANGKO RURAL NG MANGALDAN INK) | 30,194,002.10 | 201,964,791.11 | 14.95% |
| EQUICOM SAVINGS BANK INC | 841,347,240.59 | 5,683,067,592.44 | 14.80% |
| LIPA BANK INC (A RB) | 26,860,743.79 | 185,560,555.19 | 14.48% |
| BATAAN DEVELOPMENT BANK | 40,815,077.86 | 282,330,865.75 | 14.46% |
| RB OF MAGDALENA (LAGUNA) INC | 28,711,307.11 | 202,420,491.00 | 14.18% |
| PNB SAVINGS BANK | 7,321,988,701.00 | 52,650,488,890.89 | 13.91% |
| MINDANAO CONSOLIDATED COOPERATIVE BANK | 158,010,954.15 | 1,196,747,254.01 | 13.20% |
| MANOR BANK - A RURAL BANK CORP | 13,597,491.03 | 103,335,566.02 | 13.16% |
| PHILIPPINE VETERANS BANK | 3,131,047,449.17 | 23,951,250,932.11 | 13.07% |
| METRO SOUTH COOP BANK | 386,266,623.15 | 2,977,735,227.85 | 12.97% |
| RB OF BAMBANG (NUEVA VIZCAYA) INC | 48,250,020.60 | 378,557,205.34 | 12.75% |
| OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE RURAL BANK) | 30,338,616.29 | 238,978,175.98 | 12.70% |
| RB OF PARACALE(CAMARINES NORTE) INC | 30,771,684.97 | 248,033,498.69 | 12.41% |
| PHIL STAR DEVELOPMENT BANK INC | 11,760,293.28 | 95,631,449.20 | 12.30% |
| NATIONAL TEACHERS & EMP. COOP BANK | 28,069,809.54 | 232,649,587.58 | 12.07% |
| BALANGA RURAL BANK, INC. | 24,667,422.51 | 207,155,043.67 | 11.91% |
| RURAL BANK OF PLACER (SURIGAO DEL NORTE) INC | 30,107,873.47 | 259,293,981.72 | 11.61% |
| LIFE SAVINGS BANK INC | 7,058,663.73 | 60,879,932.37 | 11.59% |
| RB OF SAN PASCUAL(OBANDO BULACAN)INC | 43,226,349.96 | 374,424,962.50 | 11.54% |
| BHF RURAL BANK INC | 54,516,033.22 | 475,283,311.02 | 11.47% |
| FILIDIAN RURAL BANK OF ANTIPOLO INC | 17,992,414.09 | 157,775,917.18 | 11.40% |
| GOLDEN RURAL BANK OF THE PHILIPPINES INC | 26,392,300.60 | 233,052,430.23 | 11.32% |
| RB OF CENTRAL PANGASINAN (BAYAMBANG) INC | 56,626,667.61 | 503,095,748.47 | 11.26% |
| RB OF MIDSAYAP INC | 16,342,181.50 | 147,452,803.27 | 11.08% |
| RIZAL MICROBANK INC - A THRIFT BANK OF RCBC | 151,440,036.38 | 1,372,842,277.77 | 11.03% |
| COOP BANK OF QUEZON PROVINCE | 40,179,533.53 | 367,844,111.01 | 10.92% |
| RB OF MARIA AURORA (AURORA) INC | 52,062,161.02 | 480,019,836.36 | 10.85% |
| SECURED BANK INC (A RB) | 31,235,044.26 | 288,342,604.33 | 10.83% |
| COOPERATIVE BANK OF NUEVA VIZCAYA | 36,737,597.19 | 339,440,813.60 | 10.82% |
| RURAL BANK OF SAN ANTONIO INC | 35,030,572.30 | 334,223,401.63 | 10.48% |
| HIYAS BANKING CORPORATION | 35,613,405.72 | 344,166,318.90 | 10.35% |
| GM BANK OF LUZON INC (A RURAL BANK) | 305,844,585.52 | 3,008,792,679.91 | 10.17% |
| RB OF ITOGON (BENGUET) INC | 32,431,819.59 | 319,690,538.06 | 10.14% |
| NEW RB OF SAN LEONARDO (N.E.) INC | 108,095,277.16 | 1,066,681,464.60 | 10.13% |
| DUMAGUETE CITY DEV BANK INC | 79,645,482.10 | 796,232,675.65 | 10.00% |
| RNG COASTAL BANK INC(A RURAL BANK) | 20,498,993.79 | 205,125,928.00 | 9.99% |
| CITYSTATE SAVINGS BANK INC | 216,186,557.98 | 2,220,565,801.61 | 9.74% |
| COMMTY RB OF CATMON (CEBU) INC | 37,467,315.10 | 393,271,990.48 | 9.53% |
| MVSM BANK (A RURAL BANK SINCE 1953) INC | 48,750,140.03 | 553,140,414.35 | 8.81% |
| RB OF SOLANO (NUEVA VIZCAYA) INC | 39,148,789.02 | 445,529,095.44 | 8.79% |
| RB OF DUMANGAS INC | 33,555,895.40 | 382,949,276.01 | 8.76% |
| COMMTY RB OF DAPITAN CITY INC | 32,876,948.03 | 375,578,954.92 | 8.75% |
| RB OF BAYOMBONG INC | 14,836,231.24 | 171,124,909.44 | 8.67% |
| RB OF PORAC (PAMPANGA) INC | 108,773,666.73 | 1,285,948,154.88 | 8.46% |
| RB OF BAY INC | 19,001,706.26 | 229,419,045.09 | 8.28% |
| VILLAGE BANK INC (A RURAL BANK) | 45,058,110.09 | 546,230,640.81 | 8.25% |
| UNIVERSITY SAVINGS BANK INC | 32,484,974.11 | 395,220,501.41 | 8.22% |
| RB OF GATTARAN (CAGAYAN) INC | 25,554,561.92 | 322,465,764.85 | 7.92% |
| RB OF SAN JOSE (CAMARINES SUR) INC | 14,311,383.12 | 180,723,992.18 | 7.92% |
| FIRST CONSOLIDATED BANK INC (A PDB) | 913,008,109.63 | 11,773,469,014.65 | 7.75% |
| BDO NETWORK BANK INC | 1,904,701,598.38 | 24,673,327,289.71 | 7.72% |
| BPI DIRECT BANKO INC A SAVINGS BANK | 1,017,185,087.97 | 13,391,947,942.64 | 7.60% |
| MACTAN RURAL BANK (LAPU-LAPU CITY) INC | 50,025,370.92 | 662,234,152.49 | 7.55% |
| HIGHLAND RURAL BANK INC | 21,637,324.57 | 288,701,156.88 | 7.49% |
| GUAGUA RURAL BANK INC | 318,640,709.88 | 4,252,816,223.58 | 7.49% |
| RANG-AY BANK INC (A RURAL BANK) | 157,787,012.48 | 2,119,286,727.57 | 7.45% |
| RB OF SAN AGUSTIN (ISABELA) INC | 22,907,205.43 | 311,093,251.02 | 7.36% |
| LIFEBANK- A RURAL BANK | 37,399,660.08 | 509,258,314.38 | 7.34% |
| MALARAYAT RB INC | 38,697,851.89 | 531,384,725.57 | 7.28% |
| CORDILLERA SAVINGS BANK INC | 17,204,897.25 | 237,220,011.17 | 7.25% |
| RB OF ATIMONAN INC | 16,821,490.61 | 232,896,564.27 | 7.22% |
| RB OF TANGUB CITY (MIS OCC) INC | 25,940,873.34 | 360,889,315.66 | 7.19% |
| RB OF LEBAK (SULTAN KUDARAT) INC | 33,863,421.87 | 477,178,475.76 | 7.10% |
| RB OF PILAR (SORSOGON) INC | 20,632,238.32 | 292,946,368.87 | 7.04% |
| ZAMBALES RURAL BANK INC | 36,371,170.17 | 521,152,579.19 | 6.98% |
| GUAGUA SAVERS BANK(A RB) INC | 7,090,917.26 | 103,387,551.99 | 6.86% |
| BANKWAYS INC (A RURAL BANK) | 44,221,509.84 | 652,099,648.95 | 6.78% |
| RB OF DULAG (LEYTE) INC | 12,113,861.01 | 179,950,242.29 | 6.73% |
| BANCO LAGUNA INC (A RURAL BANK SINCE 1965) | 21,171,963.05 | 315,081,761.11 | 6.72% |
| RB OF CAUAYAN INC | 48,693,306.27 | 750,482,747.72 | 6.49% |
| CEBUANA LHUILLIER RB INC | 23,523,795.10 | 372,606,173.73 | 6.31% |
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 432,490,305.99 | 7,030,463,433.30 | 6.15% |
| RB OF ANGELES INC | 153,922,593.93 | 2,511,842,837.21 | 6.13% |
| CITY SAVINGS BANK INC | 3,394,514,547.38 | 58,256,246,042.20 | 5.83% |
| COOP BANK OF COTABATO | 100,378,808.77 | 1,759,118,382.06 | 5.71% |
| BAYBANK INC (A RURAL BANK) | 14,042,451.57 | 246,799,623.93 | 5.69% |
| GATEWAY RURAL BANK INC | 37,821,918.11 | 666,264,821.16 | 5.68% |
| CENTURY SAVINGS BANK CORPORATION | 44,522,327.52 | 797,721,609.30 | 5.58% |
| COUNTRY BUILDERS BANK INC (A RURAL BANK) | 65,994,386.61 | 1,195,062,339.92 | 5.52% |
| SUGBUANON RB INC | 34,647,557.19 | 637,794,714.90 | 5.43% |
| CHINA BANK SAVINGS INC | 4,008,176,696.16 | 73,903,864,437.25 | 5.42% |
| ILOCOS CONSOLIDATED COOPERATIVE BANK | 72,993,785.35 | 1,378,113,903.85 | 5.30% |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 1,757,654,167.58 | 33,610,013,106.96 | 5.23% |
| RB OF SAN MATEO(ISABELA) INC | 28,871,014.98 | 558,063,448.51 | 5.17% |
| WEALTH DEVELOPMENT BANK CORPORATION | 586,730,036.34 | 11,403,668,803.00 | 5.15% |
| MAKILING DEVELOPMENT BANK CORPORATION | 31,933,646.69 | 628,814,969.02 | 5.08% |
| INNOVATIVE BANK INC (A RURAL BANK) | 3,926,256.10 | 78,660,617.10 | 4.99% |
| RB OF GUINOBATAN INC | 25,600,037.26 | 514,482,219.23 | 4.98% |
| RB OF GLORIA (OR MIN) INC | 1,826,155.87 | 36,757,378.70 | 4.97% |
| BPI FAMILY SAVINGS BANK INC | 11,086,614,750.68 | 226,319,380,338.41 | 4.90% |
| MALAYAN BANK SAVINGS AND MORT BANK INC | 278,675,665.72 | 5,704,264,652.71 | 4.89% |
| FIRST TAGUM RURAL BANK INC | 25,350,683.65 | 533,032,694.69 | 4.76% |
| MALLIG PLAINS RURAL BANK (ISABELA) INC | 26,012,403.77 | 576,043,781.71 | 4.52% |
| CAMALIG BANK INC (A RURAL BANK) | 48,305,356.90 | 1,078,967,676.79 | 4.48% |
| NORTH PACIFIC BANKING CORPORATION (A RB OF STA MARIA ISABELA | 11,087,340.84 | 251,325,564.87 | 4.41% |
| FIRST ISABELA COOP BANK (FICOBANK) | 140,266,581.98 | 3,217,969,182.23 | 4.36% |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 77,749,161.67 | 1,786,301,941.54 | 4.35% |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 2,635,346.02 | 62,013,600.20 | 4.25% |
| EAST WEST BANKING CORP | 10,421,624,682.99 | 245,862,969,972.55 | 4.24% |
| BANK ONE SAVINGS CORPORATION | 45,492,961.00 | 1,098,683,179.42 | 4.14% |
| BANGKO MONTANOSA INC (A RURAL BANK) | 14,735,311.24 | 360,757,376.48 | 4.08% |
| IMUS RURAL BANK INC | 12,318,364.00 | 302,199,126.11 | 4.08% |
| PRODUCERS SAVINGS BANK CORPORATION | 719,485,741.97 | 17,653,966,083.75 | 4.08% |
| BANGKO CARRASCAL INC (A RB) | 5,925,063.83 | 146,602,337.73 | 4.04% |
| PHIL BANK OF COMMUNICATIONS | 2,324,859,588.57 | 60,882,337,262.19 | 3.82% |
| CIMB BANK PHILIPPINES INC | 7,938,367.97 | 208,628,712.28 | 3.81% |
| UNITED COCONUT PLANTERS BANK | 6,591,060,401.07 | 181,031,458,358.42 | 3.64% |
| PHIL SAVINGS BANK | 5,917,095,293.39 | 164,122,657,165.02 | 3.61% |
| KATIPUNAN BANK INC "A RURAL BANK" | 60,577,559.35 | 1,692,446,054.94 | 3.58% |
| RIZAL COMM'L BANKING CORP | 16,084,842,961.27 | 451,043,926,320.34 | 3.57% |
| BANGKO KABAYAN INC (A PRIVATE DEVELOPMENT BANK) | 65,714,761.91 | 1,843,131,462.97 | 3.57% |
| CENTURY RURAL BANK INC | 9,081,453.60 | 257,631,132.75 | 3.52% |
| BOF INC (A RURAL BANK) | 85,683,458.63 | 2,566,463,034.52 | 3.34% |
| INTER-ASIA DEVELOPMENT BANK | 12,399,228.35 | 373,808,011.16 | 3.32% |
| CARD SME BANK INC A THRIFT BANK | 193,310,670.18 | 6,329,513,180.09 | 3.05% |
| RB OF RIZAL (ZAMBOANGA DEL NORTE) INC | 17,438,038.01 | 579,983,356.82 | 3.01% |
| CARD MRI RIZAL BANK INC A MICROFINANCE-ORIENTED RURAL BANK | 110,664,268.84 | 3,775,728,284.99 | 2.93% |
| MAYBANK PHILIPPINES INCORPORATED | 1,948,101,289.83 | 68,846,977,100.67 | 2.83% |
| CARD BANK INC (A MF RB) | 318,786,658.16 | 11,738,579,194.30 | 2.72% |
| ALLBANK (A THRIFT BANK) INC | 103,144,118.89 | 3,833,177,391.74 | 2.69% |
| RB OF SAN LUIS (PAMPANGA) INC | 5,038,386.92 | 191,766,650.68 | 2.63% |
| UNION BANK OF THE PHILS | 8,494,851,848.08 | 330,982,564,608.41 | 2.57% |
| QUEZON CAPITAL RB INC | 57,609,636.27 | 2,254,259,585.14 | 2.56% |
| DEVELOPMENT BANK OF THE PHIL | 9,817,857,162.03 | 413,786,499,107.63 | 2.37% |
| RB OF DIGOS INC | 18,730,980.30 | 818,452,058.02 | 2.29% |
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 1,991,757,262.07 | 88,161,781,468.20 | 2.26% |
| RB OF ROSARIO (LA UNION) INC | 4,396,974.36 | 198,361,665.46 | 2.22% |
| RB OF MONTALBAN INC | 2,820,481.79 | 128,350,131.73 | 2.20% |
| RB OF JAEN INC | 6,118,950.48 | 280,791,861.01 | 2.18% |
| LAND BANK OF THE PHILIPPINES | 18,766,221,399.90 | 891,766,646,061.69 | 2.10% |
| PHIL TRUST COMPANY | 953,976,271.38 | 45,797,438,300.22 | 2.08% |
| RB OF BARILI (CEBU) INC | 19,327,940.61 | 969,221,952.48 | 1.99% |
| PHIL NATIONAL BANK | 12,024,161,161.83 | 605,669,035,083.55 | 1.99% |
| BANK OF COMMERCE | 1,610,090,190.46 | 83,890,037,685.69 | 1.92% |
| RBT BANK INC A RURAL BANK | 8,232,301.26 | 479,173,100.65 | 1.72% |
| LAGUNA PRESTIGE BANKING CORPORATION (A RURAL BANK) | 5,513,252.06 | 333,297,386.46 | 1.65% |
| LEMERY SAVINGS & LOAN BANK, INC. | 1,556,042.27 | 101,016,716.34 | 1.54% |
| SUN SAVINGS BANK INC | 24,257,946.48 | 1,640,515,802.42 | 1.48% |
| ASIA UNITED BANK CORPORATION | 2,425,066,609.45 | 172,083,091,036.34 | 1.41% |
| ROBINSONS BANK CORPORATION | 1,090,740,372.46 | 80,558,945,736.35 | 1.35% |
| SECURITY BANK CORP | 5,339,051,072.11 | 456,730,631,034.21 | 1.17% |
| BANGKOK BANK PUBLIC CO LTD | 99,258,541.72 | 9,358,449,513.66 | 1.06% |
| BDO UNIBANK INC | 22,275,508,157.58 | 2,184,365,990,243.13 | 1.02% |
| BANK OF THE PHIL ISLANDS | 12,222,967,100.21 | 1,261,803,402,009.83 | 0.97% |
| CHINA BANKING CORP | 4,895,476,457.66 | 519,928,920,594.43 | 0.94% |
| HSBC SAVINGS BANK(PHILS) INC | 25,845,198.06 | 2,846,930,447.28 | 0.91% |
| METROPOLITAN BANK & TCO | 10,209,359,590.22 | 1,227,163,225,717.78 | 0.83% |
| HONGKONG & SHANGHAI BANKING CORP | 536,739,725.05 | 67,694,078,537.90 | 0.79% |
| CITIBANK, N.A. | 1,691,942,783.28 | 218,815,847,350.53 | 0.77% |
| MEGA INT'L COMM'L BANK CO LTD | 86,341,389.09 | 11,832,788,237.89 | 0.73% |
| RB OF STA IGNACIA INC | 2,311,315.46 | 464,595,966.97 | 0.50% |
| KEB HANA BANK - MANILA BRANCH | 23,050,203.54 | 8,994,527,211.21 | 0.26% |
| YUANTA SAVINGS BANK PHILIPPINES INC | 1,628,987.86 | 735,969,359.68 | 0.22% |
| RB OF BROOKE'S POINT (PALAWAN) INC | 411,100.00 | 229,358,082.05 | 0.18% |
| CAVITE UNITED RURAL BANK CORP | 374,959.19 | 519,478,082.12 | 0.07% |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 107,342.00 | 338,845,017.19 | 0.03% |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 300,802.82 | 1,752,491,850.19 | 0.02% |
| AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED | 0.00 | 38,225,965,238.80 | 0.00% |
| BANK OF AMERICA N.A. | 0.00 | 11,519,116,905.18 | 0.00% |
| BANK OF CHINA LIMITED-MANILA BRANCH | 0.00 | 25,173,600,733.02 | 0.00% |
| BDO PRIVATE BANK, INC. | 0.00 | 3,178,447,223.70 | 0.00% |
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | 0.00 | 3,378,762,009.00 | 0.00% |
| CHANG HWA COMMERCIAL BANK LTD - MANILA BRANCH | 0.00 | 1,350,652,312.61 | 0.00% |
| DEUTSCHE BANK AG | 0.00 | 21,577,220,482.91 | 0.00% |
| FIRST COMMERCIAL BANK LTD MANILA BRANCH | 0.00 | 2,259,641,157.21 | 0.00% |
| HUA NAN COMMERCIAL BANK LTD MANILA BRANCH | 0.00 | 1,300,142,520.00 | 0.00% |
| INDUSTRIAL AND COMMERCIAL BANK OF CHINA LIMITED - MANILA BRA | 0.00 | 2,750,776,385.00 | 0.00% |
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | 0.00 | 4,713,405,468.81 | 0.00% |
| ING BANK N.V. | 0.00 | 12,438,012,457.00 | 0.00% |
| ISLA BANK(A THRIFT BANK) INC | 0.00 | 664,762,951.60 | 0.00% |
| JP MORGAN CHASE BANK NATIONAL ASSN. | 0.00 | 23,470,092,814.32 | 0.00% |
| MIZUHO BANK LTD - MANILA BRANCH | 0.00 | 48,954,757,304.41 | 0.00% |
| MUFG BANK, LTD. | 0.00 | 40,583,309,525.16 | 0.00% |
| SHINHAN BANK - MANILA BRANCH | 0.00 | 4,166,727,446.00 | 0.00% |
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | 0.00 | 27,272,567,001.01 | 0.00% |
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | 0.00 | 2,850,132,232.00 | 0.00% |
| Grand Total | 220,088,113,408.72 | 10,870,183,595,222.60 | 2.02% |
There are eighteen Philippine Banks with a Gross NPL Ratio greater than 25.00% of Total Loan Portfolio (TLP).
| Philippine Banking System | |||
| NPL as % of TLP | |||
| December 31, 2019 | |||
| Gross NPL/ Gross TLP | |||
| Bank | Gross NPLs | Gross TLP | (In %) |
| BANK OF MAKATI (A SAVINGS BANK) INC | 2,771,217,072.88 | 1,361,351,262.64 | 203.56% |
| CTBC BANK (PHILIPPINES) CORP | 891,103,833.66 | 491,477,429.89 | 181.31% |
| RB OF MARAGONDON INC | 29,024,949.67 | 40,233,860.30 | 72.14% |
| PEOPLES BANK OF CARAGA INC (A RURAL BANK) | 565,711,268.10 | 821,552,559.16 | 68.86% |
| OVERSEAS FILIPINO BANK INC A SAVINGS BANK OF LANDBANK | 2,355,538,693.87 | 3,643,258,861.09 | 64.65% |
| RB OF GENERAL TRIAS INC | 33,140,638.93 | 56,806,789.12 | 58.34% |
| ALIAGA FARMERS RURAL BANK INC | 113,988,275.57 | 327,625,918.96 | 34.79% |
| RB OF POZORRUBIO INC | 17,168,894.87 | 49,584,657.29 | 34.63% |
| RB OF MIAGAO (ILOILO) INC | 44,495,788.62 | 128,869,018.03 | 34.53% |
| BANCO MEXICO INC (A RURAL BANK) | 54,512,588.40 | 176,396,974.66 | 30.90% |
| PROGRESSIVE BANK INC (PROGRESSIVE A RURAL BANK INC) | 114,058,413.39 | 387,136,025.94 | 29.46% |
| RB OF MABALACAT INC | 42,227,556.10 | 143,564,567.89 | 29.41% |
| RB OF POLA (ORIENTAL MINDORO) INC | 50,484,335.03 | 185,261,599.45 | 27.25% |
| AGRIBUSINESS RURAL BANK INC | 639,106,867.04 | 2,355,553,049.77 | 27.13% |
| PAMPANGA DEVELOPMENT BANK | 96,834,846.23 | 358,084,875.21 | 27.04% |
| RB OF CARDONA (RIZAL) INC | 99,257,277.50 | 372,997,162.22 | 26.61% |
| RB OF SAN NARCISO INC | 20,018,035.04 | 76,673,310.43 | 26.11% |
| SUMMIT BANK (RB OF TUBLAY INC) | 185,752,914.57 | 736,726,300.94 | 25.21% |
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 9.71% of Stockholders Equity as of December 31, 2019.
| Philippine Banking System | |||
| NPL as % of SE | |||
| December 31, 2019 | |||
| NPL | SE | NPL/SE | |
| Bank | (In PHP) | (In PHP) | (In %) |
| PEOPLES BANK OF CARAGA INC (A RURAL BANK) | 565,711,268.10 | 145,694,390.86 | 388.29% |
| OVERSEAS FILIPINO BANK INC A SAVINGS BANK OF LANDBANK | 2,355,538,693.87 | 966,016,337.90 | 243.84% |
| ENTERPRISE BANK INC (A THRIFT BANK) | 398,812,178.61 | 258,826,391.42 | 154.08% |
| AGRIBUSINESS RURAL BANK INC | 639,106,867.04 | 417,950,358.27 | 152.91% |
| PROGRESSIVE BANK INC (PROGRESSIVE A RURAL BANK INC) | 114,058,413.39 | 79,340,523.21 | 143.76% |
| COOP BANK OF CAGAYAN | 80,259,471.43 | 65,366,754.74 | 122.78% |
| BANCO MEXICO INC (A RURAL BANK) | 54,512,588.40 | 44,998,026.78 | 121.14% |
| UCPB SAVINGS BANK | 3,302,674,267.04 | 2,768,052,689.44 | 119.31% |
| ALIAGA FARMERS RURAL BANK INC | 113,988,275.57 | 95,992,670.27 | 118.75% |
| LUZON DEVELOPMENT BANK | 746,844,275.39 | 671,154,175.97 | 111.28% |
| PBCOM RURAL BANK INC | 436,056,314.25 | 443,689,454.82 | 98.28% |
| RB OF CARDONA (RIZAL) INC | 99,257,277.50 | 103,786,731.56 | 95.64% |
| CONSOLIDATED COOPERATIVE BANK | 220,297,895.04 | 247,950,444.67 | 88.85% |
| EQUICOM SAVINGS BANK INC | 841,347,240.59 | 948,392,123.72 | 88.71% |
| ENTREPRENEUR RB INC | 56,894,414.64 | 66,049,154.04 | 86.14% |
| PHILIPPINE VETERANS BANK | 3,131,047,449.17 | 3,675,837,245.85 | 85.18% |
| LIBERTY BANK (A RURAL BANK) INC | 37,583,427.01 | 46,087,624.59 | 81.55% |
| CANTILAN BANK INC (A RURAL BANK) | 301,260,224.80 | 390,230,025.57 | 77.20% |
| BENGUET CENTER BANK INC A RB | 43,044,985.40 | 59,140,307.94 | 72.78% |
| GM BANK OF LUZON INC (A RURAL BANK) | 305,844,585.52 | 430,360,616.41 | 71.07% |
| PNB SAVINGS BANK | 7,321,988,701.00 | 10,465,869,737.08 | 69.96% |
| RB OF SAN PASCUAL(OBANDO BULACAN)INC | 43,226,349.96 | 62,429,790.22 | 69.24% |
| COOPERATIVE BANK OF BOHOL | 53,937,461.18 | 78,461,756.52 | 68.74% |
| RB OF MABALACAT INC | 42,227,556.10 | 64,913,414.58 | 65.05% |
| PLANBANK "RB OF CANLUBANG PLANTERS INC" | 57,617,003.16 | 89,417,551.03 | 64.44% |
| SAVIOUR RURAL BANK INC | 57,006,376.70 | 93,993,204.52 | 60.65% |
| STERLING BANK OF ASIA INC (A SAVINGS BANK) | 1,757,654,167.58 | 2,959,417,864.91 | 59.39% |
| VILLAGE BANK INC (A RURAL BANK) | 45,058,110.09 | 76,086,912.28 | 59.22% |
| FIRST AGRO-INDUSTRIAL RB INC(FAIRBANK) | 51,296,809.35 | 89,184,075.16 | 57.52% |
| COOP BANK OF PALAWAN | 124,812,926.87 | 220,369,491.53 | 56.64% |
| SUMMIT BANK (RB OF TUBLAY INC) | 185,752,914.57 | 329,790,023.44 | 56.32% |
| RB OF POZORRUBIO INC | 17,168,894.87 | 30,914,639.18 | 55.54% |
| RB OF BAGABAG (N.V.)INC | 85,034,628.05 | 156,166,001.88 | 54.45% |
| RB OF PILAR (BATAAN) INC | 40,439,389.35 | 76,005,327.11 | 53.21% |
| RB OF MARAGONDON INC | 29,024,949.67 | 55,767,104.23 | 52.05% |
| MINDANAO CONSOLIDATED COOPERATIVE BANK | 158,010,954.15 | 306,206,524.10 | 51.60% |
| LEGAZPI SAVINGS BANK INC | 302,850,134.83 | 601,787,744.38 | 50.33% |
| PANGASINAN BANK (A RB) INC | 33,946,235.36 | 68,692,516.42 | 49.42% |
| RB OF SAN AGUSTIN (ISABELA) INC | 22,907,205.43 | 47,060,335.37 | 48.68% |
| RB OF MIAGAO (ILOILO) INC | 44,495,788.62 | 93,409,611.60 | 47.64% |
| RB OF BAMBANG (NUEVA VIZCAYA) INC | 48,250,020.60 | 103,193,270.30 | 46.76% |
| METRO SOUTH COOP BANK | 386,266,623.15 | 827,226,977.23 | 46.69% |
| FIRST IMPERIAL BUSINESS BANK INC (A RURAL BANK) | 115,602,605.64 | 248,235,092.87 | 46.57% |
| NEW RB OF SAN LEONARDO (N.E.) INC | 108,095,277.16 | 233,991,170.44 | 46.20% |
| RB OF SAN NARCISO INC | 20,018,035.04 | 43,717,055.45 | 45.79% |
| MARITIME SAVINGS BANK CORPORATION | 24,380,210.21 | 53,448,691.69 | 45.61% |
| RB OF MANGALDAN INC(BANGKO RURAL NG MANGALDAN INK) | 30,194,002.10 | 72,478,476.59 | 41.66% |
| MARAYO BANK INC (A RURAL BANK) | 286,255,626.26 | 698,981,433.51 | 40.95% |
| COMMON WEALTH RURAL BANK INC | 67,086,963.80 | 165,572,939.49 | 40.52% |
| ASPAC RURAL BANK INC | 106,051,737.19 | 266,199,223.73 | 39.84% |
| GOLDEN RURAL BANK OF THE PHILIPPINES INC | 26,392,300.60 | 66,555,686.83 | 39.65% |
| BPI DIRECT BANKO INC A SAVINGS BANK | 1,017,185,087.97 | 2,601,981,667.77 | 39.09% |
| WEALTH DEVELOPMENT BANK CORPORATION | 586,730,036.34 | 1,522,109,741.84 | 38.55% |
| CHINA BANK SAVINGS INC | 4,008,176,696.16 | 10,430,353,785.53 | 38.43% |
| BATAAN DEVELOPMENT BANK | 40,815,077.86 | 108,339,024.38 | 37.67% |
| COOP BANK OF QUEZON PROVINCE | 40,179,533.53 | 106,730,021.34 | 37.65% |
| GATEWAY RURAL BANK INC | 37,821,918.11 | 102,319,467.43 | 36.96% |
| LIPA BANK INC (A RB) | 26,860,743.79 | 72,857,593.57 | 36.87% |
| BALANGA RURAL BANK, INC. | 24,667,422.51 | 68,524,402.81 | 36.00% |
| STANDARD CHARTERED BANK | 2,563,892,168.52 | 7,181,849,057.26 | 35.70% |
| RB OF LEBAK (SULTAN KUDARAT) INC | 33,863,421.87 | 96,067,720.00 | 35.25% |
| RB OF PARACALE(CAMARINES NORTE) INC | 30,771,684.97 | 87,577,614.88 | 35.14% |
| RB OF PORAC (PAMPANGA) INC | 108,773,666.73 | 311,125,380.37 | 34.96% |
| UNITED COCONUT PLANTERS BANK | 6,591,060,401.07 | 19,101,364,241.64 | 34.51% |
| COMMTY RB OF CATMON (CEBU) INC | 37,467,315.10 | 109,191,679.15 | 34.31% |
| COOPERATIVE BANK OF NUEVA VIZCAYA | 36,737,597.19 | 107,314,230.01 | 34.23% |
| RB OF DUMANGAS INC | 33,555,895.40 | 99,153,187.34 | 33.84% |
| BPI FAMILY SAVINGS BANK INC | 11,086,614,750.68 | 33,448,563,574.52 | 33.15% |
| CITYSTATE SAVINGS BANK INC | 216,186,557.98 | 657,384,048.28 | 32.89% |
| PAMPANGA DEVELOPMENT BANK | 96,834,846.23 | 296,544,191.01 | 32.65% |
| ILOCOS CONSOLIDATED COOPERATIVE BANK | 72,993,785.35 | 223,920,000.34 | 32.60% |
| BDO NETWORK BANK INC | 1,904,701,598.38 | 6,041,878,965.24 | 31.52% |
| OPPORTUNITY KAUSWAGAN BANK INC (A MICROFINANCE RURAL BANK) | 30,338,616.29 | 97,081,692.24 | 31.25% |
| PRODUCERS SAVINGS BANK CORPORATION | 719,485,741.97 | 2,344,598,245.18 | 30.69% |
| RB OF CENTRAL PANGASINAN (BAYAMBANG) INC | 56,626,667.61 | 184,987,116.74 | 30.61% |
| RB OF ANGELES INC | 153,922,593.93 | 505,477,721.70 | 30.45% |
| GUAGUA RURAL BANK INC | 318,640,709.88 | 1,083,757,178.96 | 29.40% |
| RB OF ALABEL (SARANGANI) INC | 31,610,982.73 | 108,379,878.77 | 29.17% |
| COMMTY RB OF DAPITAN CITY INC | 32,876,948.03 | 114,457,401.85 | 28.72% |
| RB OF ITOGON (BENGUET) INC | 32,431,819.59 | 114,117,949.08 | 28.42% |
| RANG-AY BANK INC (A RURAL BANK) | 157,787,012.48 | 561,633,938.30 | 28.09% |
| RB OF MAGDALENA (LAGUNA) INC | 28,711,307.11 | 102,368,835.57 | 28.05% |
| RB OF BAY INC | 19,001,706.26 | 68,014,113.13 | 27.94% |
| NORTHPOINT DEV'T BANK INC | 113,199,742.53 | 418,974,377.51 | 27.02% |
| MACTAN RURAL BANK (LAPU-LAPU CITY) INC | 50,025,370.92 | 189,605,592.80 | 26.38% |
| BANGKO MABUHAY (A RURAL BANK) INC | 84,312,979.95 | 320,881,383.82 | 26.28% |
| RB OF TANGUB CITY (MIS OCC) INC | 25,940,873.34 | 99,832,996.90 | 25.98% |
| DUNGGANON BANK (A MICROFINANCE RURAL BANK) INC | 42,327,195.63 | 163,461,790.89 | 25.89% |
| RB OF PILAR (SORSOGON) INC | 20,632,238.32 | 80,100,158.50 | 25.76% |
| RB OF GATTARAN (CAGAYAN) INC | 25,554,561.92 | 99,651,834.92 | 25.64% |
| RIZAL MICROBANK INC - A THRIFT BANK OF RCBC | 151,440,036.38 | 590,769,284.00 | 25.63% |
| RB OF GENERAL TRIAS INC | 33,140,638.93 | 130,057,329.75 | 25.48% |
| RURAL BANK OF PLACER (SURIGAO DEL NORTE) INC | 30,107,873.47 | 118,955,713.10 | 25.31% |
| RURAL BANK OF SAN ANTONIO INC | 35,030,572.30 | 138,819,775.87 | 25.23% |
| FARMERS SAVINGS & LOAN BANK INC | 33,992,131.90 | 135,902,989.04 | 25.01% |
| MVSM BANK (A RURAL BANK SINCE 1953) INC | 48,750,140.03 | 196,354,351.91 | 24.83% |
| PACIFIC ACE SAVINGS BANK INC | 21,499,031.00 | 88,047,624.56 | 24.42% |
| BANK OF MAKATI (A SAVINGS BANK) INC | 2,771,217,072.88 | 11,531,187,208.96 | 24.03% |
| SECURED BANK INC (A RB) | 31,235,044.26 | 131,694,490.67 | 23.72% |
| BANKWAYS INC (A RURAL BANK) | 44,221,509.84 | 187,916,785.05 | 23.53% |
| RB OF ATIMONAN INC | 16,821,490.61 | 71,530,452.80 | 23.52% |
| RB OF MARIA AURORA (AURORA) INC | 52,062,161.02 | 222,512,340.07 | 23.40% |
| DUMAGUETE CITY DEV BANK INC | 79,645,482.10 | 344,253,467.45 | 23.14% |
| SUGBUANON RB INC | 34,647,557.19 | 149,862,634.83 | 23.12% |
| NATIONAL TEACHERS & EMP. COOP BANK | 28,069,809.54 | 123,400,797.13 | 22.75% |
| RB OF SAN MATEO(ISABELA) INC | 28,871,014.98 | 129,036,555.48 | 22.37% |
| CITY SAVINGS BANK INC | 3,394,514,547.38 | 15,331,714,179.99 | 22.14% |
| RB OF GUINOBATAN INC | 25,600,037.26 | 116,978,395.82 | 21.88% |
| EAST WEST BANKING CORP | 10,421,624,682.99 | 48,837,776,485.63 | 21.34% |
| MALARAYAT RB INC | 38,697,851.89 | 182,099,432.77 | 21.25% |
| EAST WEST RURAL BANK INC | 909,428,254.82 | 4,354,193,653.60 | 20.89% |
| MALLIG PLAINS RURAL BANK (ISABELA) INC | 26,012,403.77 | 127,146,508.30 | 20.46% |
| MALAYAN BANK SAVINGS AND MORT BANK INC | 278,675,665.72 | 1,371,750,584.33 | 20.32% |
| ZAMBALES RURAL BANK INC | 36,371,170.17 | 183,963,805.34 | 19.77% |
| RIZAL COMM'L BANKING CORP | 16,084,842,961.27 | 83,350,140,257.86 | 19.30% |
| HIYAS BANKING CORPORATION | 35,613,405.72 | 188,423,530.23 | 18.90% |
| COUNTRY BUILDERS BANK INC (A RURAL BANK) | 65,994,386.61 | 353,317,263.97 | 18.68% |
| RB OF CAUAYAN INC | 48,693,306.27 | 265,407,377.20 | 18.35% |
| 1ST VALLEY BANK INC A DEVELOPMENT BANK | 432,490,305.99 | 2,373,509,790.23 | 18.22% |
| PHIL SAVINGS BANK | 5,917,095,293.39 | 33,710,104,652.11 | 17.55% |
| RB OF ANTIPOLO INC | 18,685,383.19 | 107,402,904.46 | 17.40% |
| PHIL BANK OF COMMUNICATIONS | 2,324,859,588.57 | 13,478,729,406.26 | 17.25% |
| FIRST CONSOLIDATED BANK INC (A PDB) | 913,008,109.63 | 5,294,311,852.73 | 17.25% |
| BANCO LAGUNA INC (A RURAL BANK SINCE 1965) | 21,171,963.05 | 123,788,974.27 | 17.10% |
| RB OF SOLANO (NUEVA VIZCAYA) INC | 39,148,789.02 | 229,884,625.20 | 17.03% |
| RB OF POLA (ORIENTAL MINDORO) INC | 50,484,335.03 | 300,410,339.52 | 16.81% |
| BAYBANK INC (A RURAL BANK) | 14,042,451.57 | 84,229,985.35 | 16.67% |
| DEVELOPMENT BANK OF THE PHIL | 9,817,857,162.03 | 59,717,158,296.94 | 16.44% |
| RB OF MIDSAYAP INC | 16,342,181.50 | 100,687,154.96 | 16.23% |
| BHF RURAL BANK INC | 54,516,033.22 | 338,681,759.13 | 16.10% |
| CAMALIG BANK INC (A RURAL BANK) | 48,305,356.90 | 300,952,733.57 | 16.05% |
| NORTH PACIFIC BANKING CORPORATION (A RB OF STA MARIA ISABELA | 11,087,340.84 | 69,718,337.70 | 15.90% |
| RB OF SAN JOSE (CAMARINES SUR) INC | 14,311,383.12 | 91,842,433.31 | 15.58% |
| QUEZON CAPITAL RB INC | 57,609,636.27 | 374,001,393.92 | 15.40% |
| PHILIPPINE BUSINESS BANK INC A SAVINGS BANK | 1,991,757,262.07 | 12,961,538,875.04 | 15.37% |
| COOP BANK OF COTABATO | 100,378,808.77 | 659,359,370.78 | 15.22% |
| PENBANK INC (A PDB) (FORMERLY: PENINSULA RB INC) | 77,749,161.67 | 530,108,290.62 | 14.67% |
| MAYBANK PHILIPPINES INCORPORATED | 1,948,101,289.83 | 13,828,573,659.29 | 14.09% |
| BOF INC (A RURAL BANK) | 85,683,458.63 | 634,190,734.62 | 13.51% |
| RB OF STA ROSA DE LIMA (PANIQUI TARLAC) INC | 22,033,519.20 | 163,552,259.60 | 13.47% |
| HIGHLAND RURAL BANK INC | 21,637,324.57 | 163,380,475.02 | 13.24% |
| CEBUANA LHUILLIER RB INC | 23,523,795.10 | 178,876,547.98 | 13.15% |
| FIRST ISABELA COOP BANK (FICOBANK) | 140,266,581.98 | 1,077,843,302.86 | 13.01% |
| INTER-ASIA DEVELOPMENT BANK | 12,399,228.35 | 96,332,224.56 | 12.87% |
| CARD SME BANK INC A THRIFT BANK | 193,310,670.18 | 1,507,050,970.20 | 12.83% |
| BANGKO MONTANOSA INC (A RURAL BANK) | 14,735,311.24 | 115,382,823.74 | 12.77% |
| LAND BANK OF THE PHILIPPINES | 18,766,221,399.90 | 148,997,824,741.86 | 12.59% |
| RNG COASTAL BANK INC(A RURAL BANK) | 20,498,993.79 | 163,694,574.10 | 12.52% |
| KATIPUNAN BANK INC "A RURAL BANK" | 60,577,559.35 | 487,922,308.11 | 12.42% |
| CENTURY RURAL BANK INC | 9,081,453.60 | 73,496,028.52 | 12.36% |
| CORDILLERA SAVINGS BANK INC | 17,204,897.25 | 141,039,238.89 | 12.20% |
| FILIDIAN RURAL BANK OF ANTIPOLO INC | 17,992,414.09 | 149,180,732.83 | 12.06% |
| MANOR BANK - A RURAL BANK CORP | 13,597,491.03 | 115,272,365.55 | 11.80% |
| LIFEBANK- A RURAL BANK | 37,399,660.08 | 321,427,302.08 | 11.64% |
| RB OF DULAG (LEYTE) INC | 12,113,861.01 | 106,190,308.23 | 11.41% |
| RB OF RIZAL (ZAMBOANGA DEL NORTE) INC | 17,438,038.01 | 156,379,771.50 | 11.15% |
| BANGKO KABAYAN INC (A PRIVATE DEVELOPMENT BANK) | 65,714,761.91 | 600,175,957.42 | 10.95% |
| BANK OF COMMERCE | 1,610,090,190.46 | 16,042,733,366.94 | 10.04% |
| RB OF JAEN INC | 6,118,950.48 | 62,498,778.30 | 9.79% |
| CARD MRI RIZAL BANK INC A MICROFINANCE-ORIENTED RURAL BANK | 110,664,268.84 | 1,140,584,083.45 | 9.70% |
| CTBC BANK (PHILIPPINES) CORP | 891,103,833.66 | 9,200,627,354.73 | 9.69% |
| ALLBANK (A THRIFT BANK) INC | 103,144,118.89 | 1,095,946,362.75 | 9.41% |
| MAKILING DEVELOPMENT BANK CORPORATION | 31,933,646.69 | 340,780,529.73 | 9.37% |
| LIFE SAVINGS BANK INC | 7,058,663.73 | 77,965,121.17 | 9.05% |
| UNION BANK OF THE PHILS | 8,494,851,848.08 | 95,224,193,597.46 | 8.92% |
| RB OF DIGOS INC | 18,730,980.30 | 213,901,121.09 | 8.76% |
| RB OF BAYOMBONG INC | 14,836,231.24 | 171,487,501.35 | 8.65% |
| GUAGUA SAVERS BANK(A RB) INC | 7,090,917.26 | 82,571,437.59 | 8.59% |
| PHIL NATIONAL BANK | 12,024,161,161.83 | 144,945,934,897.55 | 8.30% |
| FIRST TAGUM RURAL BANK INC | 25,350,683.65 | 331,638,854.02 | 7.64% |
| UNIVERSITY SAVINGS BANK INC | 32,484,974.11 | 429,827,605.19 | 7.56% |
| ASIA UNITED BANK CORPORATION | 2,425,066,609.45 | 33,459,935,209.02 | 7.25% |
| CARD BANK INC (A MF RB) | 318,786,658.16 | 4,421,009,180.24 | 7.21% |
| CITIBANK, N.A. | 1,691,942,783.28 | 23,685,115,888.64 | 7.14% |
| SUN SAVINGS BANK INC | 24,257,946.48 | 344,879,572.83 | 7.03% |
| BANK ONE SAVINGS CORPORATION | 45,492,961.00 | 649,242,913.35 | 7.01% |
| RB OF ROSARIO (LA UNION) INC | 4,396,974.36 | 66,991,039.95 | 6.56% |
| ROBINSONS BANK CORPORATION | 1,090,740,372.46 | 16,914,516,274.88 | 6.45% |
| BANGKO CARRASCAL INC (A RB) | 5,925,063.83 | 93,811,480.76 | 6.32% |
| BDO UNIBANK INC | 22,275,508,157.58 | 370,430,012,268.00 | 6.01% |
| IMUS RURAL BANK INC | 12,318,364.00 | 215,790,020.27 | 5.71% |
| PHIL STAR DEVELOPMENT BANK INC | 11,760,293.28 | 211,428,013.46 | 5.56% |
| CHINA BANKING CORP | 4,895,476,457.66 | 89,999,042,309.88 | 5.44% |
| RB OF BARILI (CEBU) INC | 19,327,940.61 | 397,483,965.05 | 4.86% |
| RB OF SAN LUIS (PAMPANGA) INC | 5,038,386.92 | 107,747,914.17 | 4.68% |
| BANK OF THE PHIL ISLANDS | 12,222,967,100.21 | 266,978,232,184.22 | 4.58% |
| SECURITY BANK CORP | 5,339,051,072.11 | 118,223,087,488.51 | 4.52% |
| CENTURY SAVINGS BANK CORPORATION | 44,522,327.52 | 996,909,055.90 | 4.47% |
| RB OF MONTALBAN INC | 2,820,481.79 | 63,366,711.44 | 4.45% |
| QUEZON COCONUT BANK INC (A THRIFT BANK) | 2,635,346.02 | 59,469,854.30 | 4.43% |
| PHIL TRUST COMPANY | 953,976,271.38 | 25,593,358,648.40 | 3.73% |
| RBT BANK INC A RURAL BANK | 8,232,301.26 | 225,738,066.64 | 3.65% |
| METROPOLITAN BANK & TCO | 10,209,359,590.22 | 310,971,194,351.89 | 3.28% |
| HONGKONG & SHANGHAI BANKING CORP | 536,739,725.05 | 17,326,756,271.71 | 3.10% |
| LAGUNA PRESTIGE BANKING CORPORATION (A RURAL BANK) | 5,513,252.06 | 230,449,609.36 | 2.39% |
| MEGA INT'L COMM'L BANK CO LTD | 86,341,389.09 | 3,642,644,327.59 | 2.37% |
| LEMERY SAVINGS & LOAN BANK, INC. | 1,556,042.27 | 85,742,444.41 | 1.81% |
| RB OF GLORIA (OR MIN) INC | 1,826,155.87 | 103,373,280.28 | 1.77% |
| RB OF STA IGNACIA INC | 2,311,315.46 | 134,604,092.68 | 1.72% |
| BANGKOK BANK PUBLIC CO LTD | 99,258,541.72 | 6,401,961,929.20 | 1.55% |
| HSBC SAVINGS BANK(PHILS) INC | 25,845,198.06 | 1,872,161,001.08 | 1.38% |
| INNOVATIVE BANK INC (A RURAL BANK) | 3,926,256.10 | 367,970,382.62 | 1.07% |
| KEB HANA BANK - MANILA BRANCH | 23,050,203.54 | 6,081,035,664.34 | 0.38% |
| RB OF BROOKE'S POINT (PALAWAN) INC | 411,100.00 | 111,078,732.24 | 0.37% |
| CIMB BANK PHILIPPINES INC | 7,938,367.97 | 2,530,706,250.41 | 0.31% |
| AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS | 107,342.00 | 89,794,850.61 | 0.12% |
| CAVITE UNITED RURAL BANK CORP | 374,959.19 | 405,068,666.96 | 0.09% |
| YUANTA SAVINGS BANK PHILIPPINES INC | 1,628,987.86 | 2,222,589,791.86 | 0.07% |
| QUEEN CITY DEVELOPMENT BANK INC OR QUEENBANK A THRIFT BANK | 300,802.82 | 691,584,246.30 | 0.04% |
| AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED | 0.00 | 4,393,385,952.22 | 0.00% |
| BANK OF AMERICA N.A. | 0.00 | 4,946,687,956.68 | 0.00% |
| BANK OF CHINA LIMITED-MANILA BRANCH | 0.00 | 10,386,354,116.68 | 0.00% |
| BDO PRIVATE BANK, INC. | 0.00 | 5,811,236,036.51 | 0.00% |
| CATHAY UNITED BANK CO LTD - MANILA BRANCH | 0.00 | 5,296,275,726.10 | 0.00% |
| CHANG HWA COMMERCIAL BANK LTD - MANILA BRANCH | 0.00 | 2,237,749,069.33 | 0.00% |
| DEUTSCHE BANK AG | 0.00 | 3,054,824,429.98 | 0.00% |
| FIRST COMMERCIAL BANK LTD MANILA BRANCH | 0.00 | 2,052,530,657.56 | 0.00% |
| HUA NAN COMMERCIAL BANK LTD MANILA BRANCH | 0.00 | 2,062,952,322.58 | 0.00% |
| INDUSTRIAL AND COMMERCIAL BANK OF CHINA LIMITED - MANILA BRA | 0.00 | 3,763,791,994.20 | 0.00% |
| INDUSTRIAL BANK OF KOREA MANILA BRANCH | 0.00 | 4,154,224,138.10 | 0.00% |
| ING BANK N.V. | 0.00 | 6,531,563,724.23 | 0.00% |
| ISLA BANK(A THRIFT BANK) INC | 0.00 | 775,934,943.92 | 0.00% |
| JP MORGAN CHASE BANK NATIONAL ASSN. | 0.00 | 6,649,507,699.79 | 0.00% |
| MIZUHO BANK LTD - MANILA BRANCH | 0.00 | 9,203,347,675.03 | 0.00% |
| MUFG BANK, LTD. | 0.00 | 10,256,480,987.53 | 0.00% |
| SHINHAN BANK - MANILA BRANCH | 0.00 | 4,317,039,599.22 | 0.00% |
| SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH | 0.00 | 13,108,568,400.67 | 0.00% |
| UNITED OVERSEAS BANK LIMITED MANILA BRANCH | 0.00 | 2,429,456,933.53 | 0.00% |
| Grand Total | 220,088,113,408.72 | 2,266,178,899,200.67 | 9.71% |
Seventy-six banks had NPLs greater than 30% of their Stockholder's Equity. People's Bank of Caraga Inc tops the list. It has Php 565.71 million in Gross NPLs backed up by an equity base of Php 145.69 million, resulting in an NPL/SE ratio of 388.29% as of December 31, 2019.
Source: www.bsp.gov.ph
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