Paypal Codes For Philippine Banks | Complete List Of BRSTN And SWIFT Codes Of Banks In Philippines

Scroll down to view Philippine Paypal bank codes along with BRSTN and SWIFT codes : Allied Bank; Asia United Bank; BSP; Banco de Oro (BDO); Equitable PCIBank (same as BDO bank code); Bank of Commerce; Bank of the Philippine Islands (BPI); China Bank; China Trust; Citibank; Development Bank of the Philippines (DBP); Deutsche Bank; East-West Bank; Export Bank; Hong Kong and Shanghai Bank (HSBC); Landbank of the Philippines (Land Bank); Metropolitan Bank and Trust Co. (Metrobank); Philippine Bank of Communications (PBCom); Philtrust; Philippine National Bank (PNB); Prudential Bank; PS Bank; PSBank; Veterans Bank; Rizal Commercial Banking Corporation (RCBC); Security Bank; Standard Chartered; United Coconut Planters Bank (UCPB); UnionBank of the Philippines (Unionbank); United Overseas Bank.

Paypal Bank Code (BRSTN Codes) For Security Bank, BPI, Metro Bank, Union Bank And BDO Banks

No.Bank NameBank Code
1Banco De Oro (BDO)010530667
2Bank Of The Philippine Islands (BPI)010040018
3Metropolitan Bank Trust Co. (METROBANK)010269996
4Security Bank010140015
5Union Bank Of The Philippines (UBP)010419995

PayPal Bank Codes of Other Philippine Banks

No.Bank NameBank Code
6Allied Banking Corp010320013
7Australia New Zealand (ANZ) Bank010700015
8Asia United Bank011020011
9Banco De Oro (Bdo)010530667
10Bangko Sentral Ng Pilipinas010030015
11Bangkok Bank010670019
12Bank Of America010120019
13Bank Of China011140014
14Bank Of The Philippine Islands (BPI)010040018
15Bank Of Tokyo010460012
16Bank Of Commerce010440016
17China Banking Corp (Chinabank)010100013
18China Trust Commercial Bank010690015
19Citibank Philippines N.A.010070017
20Development Bank Of The Philippines (DBP)010590018
21Deutsche Bank010650013
22East West Bank010620014
23Export & Industry Bank010860010
24Fuji Bank010640010
25Hongkong And Shanghai Bank (HSBC)010060014
26International Commercial Bank Of China010560019
27Intl Exchange Bank010680012
28Jp Morgan Chase Bank010720011
29Korea Exchange Bank010710018
30International Nederland Bank010660016
31Land Bank Of The Philippines (Landbank)010350025
33Metropolitan Bank & Trust Co. (Metrobank)010269996
34Philippine Bank Of Communication (Pbcom)010110016
35Phil Trust Company (Philtrust)010090039
36Philippine National Bank (PNB)010080010
37Philippine Savings Bank (Psbank)010269996
38Prudential Bank010150018
39Philippine Veterans Bank (Veterans Bank)010330016
40Rizal Commercial Banking Corp (RCBC)010280014
41Standard Chartered Bank010050011
42Security Bank010140015
43Union Bank Of The Philippines (UBP)010419995
44United Coconut Planters Bank (UCPB)010299995
45United Overseas Bank (UOB)010270189

List of SWIFT Codes (or BIC) of Philippine Banks

No.Bank NameBank Code
1Asia United Bank CorporationAUBKPHMM
2Australia And New Zealand (ANZ) Banking Group LimitedANZBPHMX
3Bank Of CommercePABIPHMM
4Bank Of The Philippine Islands (BPI)BOPIPHMM
5Banco De Oro (Bdo) UnibankBNORPHMM
6China Banking Corporation (Chinabank)CHBKPHMM
7Chinatrust (Phils.) Commercial Bank ManilaCTCBPHMM
8Citibank N.A. (Cebu Branch)CITIPHMXCBU
9Citibank N.A. (Manila Head Office)CITIPHMXV
10Citibank Savings Inc.CITIPH2X
11Development Bank Of The Philippines (Dbp)DBPHPHMM
12East West Banking CorporationEWBCPHMM
14HSBC Manila Head OfficeHSBCPHMM
15Hsbc Savings Bank (Philippines) Inc.HBPHPHMM
16Land Bank Of The PhilippinesTLBPPHMM
17Maybank Philippines IncMBBEPHMM
18Metropolitan Bank And Trust Co. (Metrobank)MBTCPHMM
19Philippine Bank Of Communications (Pbcom)CPHIPHMM
20Philippine Business Bank (PBB)PPBUPHMM
21Philippine National Bank (PNB)PNBMPHMM
22Philippine Savings Bank (PS Bank)PHSBPHMM
23Philippine Veterans BankPHVBPHMM
24Philtrust Bank (Philippine Trust Company)PHTBPHMM
25Rizal Commercial Banking Corporation (RCBC)RCBCPHMM
26Robinsons Bank CorporationROBPPHMQ
27Security Bank CorporationSETCPHMM
28Standard Chartered BankSCBLPHMM
29Union Bank Of The PhilippinesUBPHPHMM
30United Coconut Planters Bank (UCPB)UCPBPHMM

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Analysis of Financial Ratios
NIM (Net Interest Margin): Net interest margin (NIM) is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their (interest-earning) assets. Thus, it also has high correlation to interest spread and thus impacts profitability of the bank. NIM of Andhra Bank is 2.77 which is greater than the average of all public sector banks but less than average NIM of all banks in India. This indicates that the bank is doing well as compared to an average PSB in India but lagging among all banks in India.

COF (Cost of Funds): Cost of funds for a bank is the average interest rate paid to depositors on financial products such as savings account, current account, and fixed deposits etc. Lower CoF is better for banks as it will increase profitability. COF of Andhra Bank is 7.13 which is poorer than the average among PSBs as well as poorer than average CoF of all banks.

Return on Advances: Return on advances indicates the average interest rate at which the bank lends money to the borrowers. Higher return of advances is better for higher profitability of the bank (however, higher interest rates also indicate risky assests). So this ratio should be read along with NPA Ratio for better understanding about the bank.

Return on Equity (ROE): Return on equity is the measure of bank's profitability. Higher the better. [RoE = Net Profit / Total Equity].

CRAR: Capital to Risk-Weighted Assets Ratio (also known as Capital Adequacy Ratio is the ratio of bank's capital to its risk. This ratio is also monitored by RBI for all banks and higher value indicates higher stability for a bank. CRAR of Andhra Bank is 11.76 which is less than group average among PSBs and also less than average of all banks.

NPA Ratio: Non Performing Assets refer to loans that are in jeopardy of default. Once the borrower has failed to make interest or principal payments for 90 days the loan is considered to be a non-performing asset. Thus, NPA Ratio = [Non Perforing Assets/Total Assets]. Higher NPA Ratio indicates riskiness of the bank and losses as it may result in write downs. If you are investing in a bank, be aware to check this ratio carefully. NPA Ratio of Andhra Bank is 2.45 which is high and it is poorer than average NPA of PSBs as well as average NPA of all banks.