Title
Gonzales vs. Philippine National Bank
Case
G.R. No. L-33320
Decision Date
May 30, 1983
A stockholder sought to inspect PNB's records under the Corporation Law, but the Supreme Court ruled the right is not absolute and requires good faith. PNB's charter confidentiality provisions prevailed, and the petitioner's motives were deemed speculative.

Case Summary (G.R. No. 135022)

Essential facts found by the trial court

Before becoming a one‑share stockholder, petitioner had initiated a series of lawsuits questioning PNB transactions (cases filed in 1967–1969). During proceedings in one case, his standing was challenged and he then arranged to acquire one share from Congressman Montano (transfer recorded August 30, 1967). On January 11, 1969 he requested inspection of PNB’s records; the bank’s legal counsel denied the request by letter dated January 23, 1969, on grounds that the request was not germane to his interest as a one‑share stockholder and raised doubts about the true motive of acquiring the share.

Issue presented

Whether a stockholder (here, a one‑share holder) is entitled under applicable law to inspect PNB’s records and whether the trial court correctly denied inspection on the ground that the petitioner’s motive was improper and that the requested inspection would violate the confidentiality provisions of PNB’s charter.

Relevant statutory framework

  • Former Corporation Law (Act No. 1459, sec. 51) provided that records of business transactions and minutes shall be open to inspection by any director, member, or stockholder at reasonable hours.
  • The Corporation Code (Batas Pambansa Blg. 68) preserves the inspection right in Section 74 but expressly adds conditions: inspection during business days at the principal office, written demand for copies at the requester’s expense, civil and criminal liabilities for wrongful refusal, and an express defense where the requester acted in bad faith, for illegitimate purpose, or had previously misused information obtained.
  • PNB’s charter (R.A. No. 1300) contains special provisions: subject to Central Bank inspection (Sec. 15), confidentiality of inspection reports and information with limited disclosure (Sec. 16), and penal sanctions for violation of the charter (Sec. 30).

Court’s analysis on the scope of the stockholder’s inspection right

The Court observed that the plain, unqualified inspection right in the former Corporation Law was altered by the Corporation Code. Section 74 imposes explicit limits and defenses: inspection is conditioned on good faith and a legitimate purpose and there is a defense where prior misuse of inspection information is shown. Accordingly, the unqualified right under Section 51 no longer controls, and a stockholder’s right to inspect is now subject to the statutory limitations set by the Corporation Code.

Court’s findings on petitioner’s motive and good faith

The Court accepted the trial court’s factual findings that petitioner acquired the single share after he had already commenced litigation and expressly to enable him to “pry into” PNB transactions he had previously questioned while a non‑stockholder. The petitioner’s stated purpose—“to satisfy himself” of published reports and to inquire into validity—was held insufficiently specific and not necessarily germane to his interest as a stockholder. The Court concluded that the circumstances suggested the acquisition and demand were not in good faith and were instead aimed at assembling materials for use against the bank for acts occurring before he was a stockholder.

Court’s analysis regarding PNB’s charter and confidentiality

The Court emphasized that PNB is a special‑charter corporation governed primarily by its charter (R.A. No. 1300) and that the Corporation Code applies only supplementarily to the extent compatible with the charter. Sections 15 and 16 of the PNB charter impose strict confidentiality on inspection reports and banking information, and Section 30 prescribes penal sanctions for violations. The Court found that Section 74 of the Corporation Code, even if broadly permitting inspection in ordinary corporations, could not be reconciled with the charter’s confidentiality restrictions as applied to PNB. Thus, the supplemental application of the Corporation Code could not override express charter protections of confidentiality.

Interaction between statutory limitations and the bank’s refusal

Although the Corporation Code makes wrongfu

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