Here’s an ROE ranking of Philippine banks, as of September 2012.
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 BANK | 25.19 % |
| 2. UNION BANK | 21.54 % |
| 3. BPI | 19.96 % |
| 4. UCBP | 18.46 % |
| 5. LANDBANK | 16.13 % |
| 6. DEUTSCHE BANK | 14.03 % |
| 7. AUB | 13.57% |
| 8. CITIBANK | 13.50 % |
| 9. MAYBANK | 13.17 % |
| 10. EASTWEST | 12.75 % |
| 11. RCBC | 12.45 % |
| 12. METROBANK | 11.93 % |
| 13. CHINABANK | 11.53 % |
| 14. BDO | 11.51 % |
| 15. STANDARD CHARTERED | 11.15 % |
| 16. HSBC | 10.35 % |
| 17. PHILTRUST | 10.22 % |
| 18. DBP | 9.59 % |
| 19. ROBINSONS BANK | 8.68 % |
| 20. BDO PRIVATE | 8.61 % |
| 21. PNB | 7.96 % |
| 22. ALLIED BANK | 7.23 % |
| 23. JP MORGAN CHASE | 5.80 % |
| 24. KOREA EXCHANGE BANK | 5.63 % |
| 25. CHINATRUST | 5.34 % |
| 26. ING BANK | 4.60 % |
| 27. MEGA INTERNATIONAL | 4.29 % |
| 28. BANGKOK BANK MANILA | 2.34 % |
| 29. BANCOM | 1.69 % |
| 30. MIZUHO BANK MANILA | 1.39 % |
| 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.
Philippine Bank Ranking by Loans, based on total loans, as of March 2013.
ROE Ranking of Philippine banks