Title
Commissioner of Internal Revenue vs. Philippine National Bank
Case
G.R. No. 195147
Decision Date
Jul 11, 2016
PNB's 1997 interbank call loans not subject to DST; SC ruled tax laws prospective, interbank loans not taxable under 1977 NIRC, affirming CTA decision.

Case Summary (G.R. No. 195147)

Background Facts

On March 23, 2000, the Commissioner of Internal Revenue issued a Letter of Authority, which permitted the examination of PNB's financial records concerning internal revenue taxes for the year 1997. This examination led to a preliminary assessment notice issued to PNB on May 12, 2003, revealing discrepancies, including, but not limited to, deficiencies in documentary stamp taxes (DST). Following PNB's formal assessment notice and demand for payment, PNB contested the DST assessment relating specifically to interbank call loans.

Procedural History

In response to the assessment, PNB paid the additional taxes owed on its expanded withholding taxes but formally protested the DST assessment. The Commissioner of Internal Revenue rejected this protest with a final decision dated December 10, 2003. PNB subsequently filed a petition for review with the Court of Tax Appeals (CTA), eventually leading to a judgment wherein the CTA partially granted PNB’s petition by canceling the assessment for the DST on interbank call loans while affirming the deficiency on special savings accounts.

Court of Tax Appeals Decisions

The First Division of the CTA ruled on March 3, 2009, partially granting PNB’s petition, and confirming some of the assessments while canceling others. Upon the appeal of both parties, the CTA En Banc ultimately upheld the First Division's ruling regarding the cancellation of the DST assessment on interbank call loans on September 21, 2010. This led to a further motion for reconsideration by the petitioner, which was subsequently denied on January 10, 2011.

Legal Issue

The central issue under review is whether PNB's interbank call loans transacted during 1997 are subject to documentary stamp taxes under the applicable provisions of the National Internal Revenue Code of 1977, as amended.

Arguments

The petitioner argues that since interbank call loans constitute loan agreements as defined under Section 180 of the National Internal Revenue Code, they are subject to documentary stamp tax. The argument further contended that subsequent amendments to the tax code confirm that these loans fall under the definition of taxable debt instruments.

Court Ruling

The Supreme Court found the arguments presented by the petitioner lacking merit. Notably, it ruled that the specifics regarding the maturity period of PNB’s interbank call loans were not relevant for establishing tax liability for 1997, given that this criterion was defined in the 1997 amendments which would not retroactively apply to the case at

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