Title
Banco De Oro vs. Republic
Case
G.R. No. 198756
Decision Date
Jan 13, 2015
PEACe Bonds issued in 2001 were retroactively classified as deposit substitutes, subject to 20% withholding tax, upheld by the Supreme Court in 2011.

Case Digest (G.R. No. 205473)

Facts:

  • Background and Issuance
    • In March–September 2001, the Caucus of Development NGO Networks (CODE-NGO), with RCBC and RCBC Capital as financial advisers, secured DOF approval to issue ₱35 billion 10-year zero-coupon Treasury Certificates (PEACe Bonds) for NGO funding.
    • BIR Rulings No. 020-2001 (May 31, 2001), 035-2001 (Aug 16, 2001), and DA-175-01 (Sep 29, 2001) held that the Bonds, issued initially to one entity, were not “deposit substitutes” (i.e.,
  • Auction and Distribution
    • On October 16, 2001, the BTr auctioned ₱30 billion limited to 19 bidders (to preserve tax exemption); 45 bids from 15 GSEDs ranged 12.248%–18.000%; cut-off at 12.75%. RCBC (for CODE-NGO) won ₱35 billion at a discount of ₱24.83 billion (settlement ₱10.17 billion).
    • RCBC Capital underwrote and sold the Bonds at ₱11.9955 billion to undisclosed investors; proceeds endowed permanent NGO fund.
  • BIR Reinterpretation and Tax Collection
    • BIR Rulings No. 007-04 (Jul 16, 2004), DA-491-04 (Sep 13, 2004), and 008-05 (Jul 28, 2005) overruled the 2001 Rulings, declaring all treasury bonds “deposit substitutes” throughout their term—discount treated as interest, taxable at 20% FWT.
    • On October 7, 2011, BIR Ruling No. 370-2011 reaffirmed taxability and the DOF directed the BTr to withhold 20% FWT at maturity (Oct 18, 2011), resulting in ₱4.966 billion withheld.
  • Judicial Petition and Temporary Restraining Order
    • Petitioners (banks, CODE-NGO) filed a Rule 65 petition before the SC on Oct 17, 2011 to annul the 2011 Ruling, prohibit withholding, command full payment, and secure injunctive relief.
    • On October 18, 2011, the SC issued a TRO enjoining enforcement of BIR Ruling No. 370-2011 but allowed withholding if placed in escrow pending resolution; the BTr withheld but refused escrow.

Issues:

  • Classification and Taxability
    • Are the PEACe Bonds “deposit substitutes” under Sec 22(Y), NIRC, subject to 20% FWT?
    • Does “borrowing from twenty (20) or more…lenders at any one time” include secondary‐market trades?
  • Estoppel and Retroactivity
    • Are respondents estopped from imposing FWT after the 2001 Rulings and government representations?
    • Does retrospective tax imposition violate the Constitution’s non-impairment clause, due process, or Sec 246 NIRC on non-retroactivity of rulings?
  • Procedural Remedies
    • Must petitioners exhaust administrative remedies and appeal to the CTA, or is direct SC relief proper?
    • Should the TRO remain in force and the withheld tax be escrowed?

Ruling:

  • (Subscriber-Only)

Ratio:

  • (Subscriber-Only)

Doctrine:

  • (Subscriber-Only)

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