Ranking as to Return on Equity
	Universal and Commercial Bank Group
	As of 31 December 2024
	RANK		NAME OF BANK	ROE (%)
	1		CITIBANK, N.A.	24.05
	2		MIZUHO BANK LTD - MANILA BRANCH	23.48
	3		ASIA UNITED BANK CORPORATION	21.47
	4		PHILIPPINE VETERANS BANK	20.41
	5		BANK OF AMERICA N.A.	20.01
	6		HONGKONG & SHANGHAI BANKING CORP	18.27
	7		INDUSTRIAL AND COMMERCIAL BANK OF CHINA LIMITED - MANILA BRANCH	16.90
	8		CHINA BANKING CORP	16.37
	9		BANK OF THE PHIL ISLANDS	15.17
	10		BDO UNIBANK INC	15.15
	11		AUSTRALIA AND NEW ZEALAND BANKING GROUP LIMITED	15.05
	12		STANDARD CHARTERED BANK	14.09
	13		DEUTSCHE BANK AG	14.05
	14		METROPOLITAN BANK & TCO	13.76
	15		LAND BANK OF THE PHILIPPINES	13.33
	16		MUFG BANK, LTD.	12.35
	17		BANK OF CHINA (HONGKONG) LIMITED-MANILA BRANCH	12.32
	18		PHIL BANK OF COMMUNICATIONS	11.04
	19		EAST WEST BANKING CORP	10.79
	20		PHIL NATIONAL BANK	10.67
	21		BANK OF COMMERCE	9.70
	22		JP MORGAN CHASE BANK NATIONAL ASSN.	9.39
	23		DEVELOPMENT BANK OF THE PHIL	8.56
	24		INDUSTRIAL BANK OF KOREA MANILA BRANCH	8.01
	25		SUMITOMO MITSUI BANKING CORPORATION-MANILA BRANCH	7.91
	26		SECURITY BANK CORP	7.69
	27		UNION BANK OF THE PHILS	6.68
	28		KEB HANA BANK - MANILA BRANCH	6.64
	29		BDO PRIVATE BANK, INC.	5.97
	30		MEGA INT'L COMM'L BANK CO LTD	5.95
	31		CIMB BANK PHILIPPINES INC	5.52
	32		BANGKOK BANK PUBLIC COMPANY LIMITED	4.66
	33		RIZAL COMM'L BANKING CORP	4.65
	34		UNITED OVERSEAS BANK LIMITED MANILA BRANCH	4.56
	35		CATHAY UNITED BANK CO LTD - MANILA BRANCH	3.38
	36		HUA NAN COMMERCIAL BANK LTD MANILA BRANCH	3.25
	37		SHINHAN BANK - MANILA BRANCH	2.93
	38		PHIL TRUST COMPANY	2.81
	39		FIRST COMMERCIAL BANK LTD MANILA BRANCH	2.34
	40		CHANG HWA COMMERCIAL BANK LTD - MANILA BRANCH	1.50
	41		ING BANK N.V.	0.39
	42		CTBC BANK (PHILIPPINES) CORP	0.18
	43		MAYBANK PHILIPPINES INCORPORATED	-5.65
	44		AL-AMANAH ISLAMIC INVESTMENT BANK OF THE PHILS	-213.71
	Posted as of 31 March 2025