State of the Philippine Banking Industry
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State of the Philippine Banking Industry
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Terminologies
❏ HFT - Assets Held for Trading
❏ DFVLP - Designated Fair Value through Profit or Loss
❏ AFS - Available for Sale
❏ Total Capital - refers to the total sum of paid-in capital
❏ NPL - Non-performing Loans
❏ ROPA - Real and Other Properties Acquired
❏ NPA - NPL + ROPA
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A Status Report on the Philippine Financial System
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BSP Semestral Status Report
Section 39 (c) of the Article V of RA 7653
The Monetary Board shall publish and submit one hundred twenty (120) days after the end of each semester, a review of the state of the financial system.
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1st Semester of 2015
❏ The banking system composed more than 80.8% of the Philippine Financial System (PFS).
❏ Banks’ resources expanded by 9.0% to ₱ 11.2 T (end-June 2015).
❏ Total Deposit Liability continue to be main source of funds growing 9.0%, but considerably lower than 2013 36.7% growth. Total Deposit to Total Asset is 76.92%.
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1st Semester of 2015
❏ Net profit grew 8.1% to ₱ 68.9 B, where:
❏ Interest-based revenues grew 7.8%
❏ Non-interest based income grew 11.0%.
❏ Trading income grew 35.9%.
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ASEAN INTEGRATION
ASEAN Financial Integration Framework to be fully implemented by 2018.
BSP’s initiatives to accomplish the framework:
❏ Financial Services Liberation
❏ Capital Account Liberation
❏ Capital Market Development
❏ Harmonized Payments and Settlement Systems
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RA 10641
❏ Liberalized the PHL Banking industry by allowing foreign banks to own up to 100% (from 60%).
❏ Foreign banks can now open 6 branches.
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Newly Opened Foreign Banks under RA 10641
❏ Sumitomo Mitsui Banking Corp. (KB, JPN)
❏ Shinhan Bank Co. Ltd. (KB, KOR)
❏ Cathay United Bank Co. Ltd. (KB, TWN)
❏ Industrial Bank of Korea (KB, KOR)
❏ Yuanta Commercial Bank Co. Ltd. (TB, TWN)
❏ United Overseas Bank (KB, SGP)
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RECENT HIGHLIGHTS
❏ Circular 908 - Agricultural Value Chain Financing Framework
❏ Philippines and Malaysia Sign Agreement on Entry of Banks under ABIF
❏ BSP closed 14 Rural banks in 2015, 4 rural banks so far in 2016.
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THANK YOU.