Title
Banco Filipino Savings and Mortgage Bank vs. Purisima
Case
G.R. No. 56429
Decision Date
May 28, 1988
Banco Filipino challenged a subpoena for bank records in a graft investigation, arguing it violated deposit secrecy laws. The Supreme Court upheld the subpoena, ruling that anti-graft laws allow scrutiny of unexplained wealth, even in accounts of associates, to prevent corruption.
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Case Summary (G.R. No. 56429)

Factual Background

The Tanodbayan conducted a preliminary investigation into accusations by the Bureau of Internal Revenue that Manuel Caturla, a Customs special agent, had acquired property manifestly out of proportion to his salary and lawful income in violation of R.A. No. 3019. In the course of that investigation the Tanodbayan issued a subpoena duces tecum to Banco Filipino Savings and Mortgage Bank commanding production of certified copies of records dating back to 1969 of loans, savings, time deposits and other banking transactions in the names of Caturla, his wife Purita Caturla, their children Manuel, Jr., Marilyn and Michael, and certain associates.

Expansion of Subpoena and Contempt Threat

After the initial subpoena Caturla moved to quash on the ground that compliance would violate Sections 2 and 3 of R.A. No. 1405. Tanodbayan Vicente Ericta denied that motion and expanded the subpoena by issuing a second subpoena duces tecum requiring production of bank records in all branches and extension offices in the names of a broader list of persons and entities connected to Caturla. Two other substantially similar subpoenae followed, and at least one commanded obedience under sanction of contempt.

Procedural Response by the Bank in the Trial Court

Banco Filipino Savings and Mortgage Bank sought declaratory relief in the Court of First Instance of Manila, praying for a judicial declaration whether compliance with the subpoenae would infringe Sections 2 and 3 of R.A. No. 1405 in relation to Section 8 of R.A. No. 3019, and for a provisional restraining order enjoining the Tanodbayan from exacting compliance pending final resolution. The action was assigned to the sala of respondent Judge Fidel Purisima, who denied the application for preliminary injunction or restraining order for lack of merit.

Petition for Certiorari and Bank's Contentions

The bank filed a special civil action of certiorari in this Court, alleging that Judge Purisima erred with grave abuse of discretion in denying injunctive relief. The bank asserted that the subpoenae were “fishing expeditions” or “general warrants” authorizing indiscriminate inquiry into bank records in violation of R.A. No. 1405; that any exception permitting inquiry should be limited to the public official, his spouse and unmarried children and not to private persons or associates; and that injunctive relief was warranted to avoid multiplicity of suits and premature enforcement of an investigative subpoena.

Standard for Issuance of Writ of Certiorari

The Court observed that certiorari does not issue merely to correct error of judgment or to resolve a disputed legal issue. The petitioner must show that the lower court’s action was whimsical, capricious or amounted to grave abuse of discretion. The bank had not made such a showing, and the denial of provisional relief by the Court a quo was at least fairly debatable.

Statutory Provisions at Issue

The Court recited Section 2 and Section 3 of R.A. No. 1405, which declared bank deposits absolutely confidential and prohibited disclosure except upon written permission of the depositor, in cases of impeachment, upon order of a competent court in cases of bribery or dereliction of duty of public officials, or where the money deposited was the subject matter of litigation. The Court also quoted Section 8 of R.A. No. 3019, which provided that properties in the name of the spouse and unmarried children of a public official may be considered when legitimation cannot be shown and that bank deposits shall be taken into consideration notwithstanding any provision of law to the contrary.

Precedent and Interpretation in Philippine National Bank v. Gancayco

The Court relied on its prior decision in Philippine National Bank v. Gancayco, 15 SCRA 91, where it upheld the power of prosecutors to compel disclosure of accounts of a public official under investigation for unexplained wealth. The Court there had concluded that Section 8 of R.A. No. 3019 functioned as an additional exception to R.A. No. 1405, thus permitting examination of bank deposits in cases of unexplained wealth so as not to frustrate prosecution.

Scope of Inquiry under the Anti‑Graft Law

The Court explained that the inquiry into illegally acquired property extends to property concealed by being held in the name of other persons. It cited Section 1, paragraph (6), subparagraph (1) of R.A. No. 3019, which excludes from legitimately acquired p

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