3.31.2013

Top Banks in the Philippines, ROE Sep 2012

By Nora
ROE means Return on Equity
ROE is the ratio of net profit to average capital
ROE = net income divided by shareholders equity

We like our banks to gain profits so they can continue to operate and grow successfully through generations.

But we also like them to balance profitability with humanity. Sabi nga nila: MODERATE THE GREED.

It is not good for a bank to post a high ROE if:

  • It makes customers wait for hours, regardless of whether they're standing or given seats 
  • Its ATMs are always OFFLINE 
  • Its penalties are major profit sources 
  • Its transaction fees are much higher than those of other banks
  • Its loan interest rates do not reflect current market rates
  • It goes around banking laws, such as the not-clearly-worded dormancy/maintaining balance law 
  • It gives the littlest of interest earnings to depositors 

We SALUTE profitable banks that share their blessings to communities in the form of:

  • Scholarships
  • Awards programs for teachers, soldiers, etc.
  • Donations during disasters
  • Donations to government hospitals and shelters 
  • Entrepreneurship programs
  • Poor-community development programs
  • Other programs that make the Philippines a better place


Here are the TOP BANKS in the Philippines, based on ROE as of Sep 2012 (Commercial and Universal Banks):

Rank     Bank ROE
1. SECURITY BANK25.19 %
2. UNION BANK21.54 %
3. BPI19.96 %
4. UCBP18.46 %
5. LANDBANK16.13 %
6. DEUTSCHE BANK14.03 %
7. AUB13.57%
8. CITIBANK13.50 %
9. MAYBANK13.17 %
10. EASTWEST12.75 %
11. RCBC12.45 %
12. METROBANK11.93 %
13. CHINABANK11.53 %
14. BDO11.51 %
15. STANDARD CHARTERED11.15 %
16. HSBC10.35 %
17. PHILTRUST10.22 %
18. DBP9.59 %
19. ROBINSONS BANK8.68 %
20. BDO PRIVATE8.61 %

21. PNB

7.96 %
22. ALLIED BANK7.23 %
23. JP MORGAN CHASE5.80 %
24. KOREA EXCHANGE BANK5.63 %
25. CHINATRUST5.34 %
26. ING BANK4.60 %
27. MEGA INTERNATIONAL4.29 %
28. BANGKOK BANK MANILA2.34 %
29. BANCOM1.69 %
30. MIZUHO BANK MANILA1.39 %
31. BANK OF TOKYO-MITSUBISHI   0.02 %
32. ANZ- 0.85 %
33. VETERANS BANK- 1.95 %
34. PBCOM- 4.23 %
35. AL-AMANAH ISLAMIC BANK- 5.32 %
36. BANK OF CHINA MANILA- 5.35 %
37. BANK OF AMERICA- 11.46 %


It's interesting to note that Export and Industry Bank, the commercial bank that was put into receivership under the PDIC in April 2012, posted an ROE of -71.96% in its June 2011 report.

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