The Manual of Regulations for Banks (MORB) is designed to be an authoritative codification of regulations governing banks which are all under the supervision of the Bangko Sentral ng Pilipinas.

The MORB methodically and logically organizes the Bangko Sentral rules and policy issuances that implement the broader provisions of Republic Act No. 8791, also known as the General Banking Law of 2000, as well as other pertinent banking laws.

Principally, the MORB fosters adherence to banking standards that are ultimately aimed at strengthening the stability of the Philippine financial system.

While the MORB provides the rules governing the operations of banks in the country, it also serves as a useful reference for any individual, institution or agency with an active interest in the banking system.

As the Bangko Sentral pursues its strategic financial sector reforms that are aligned with international standards and best practices, it is essential that the regulatory issuances implementing such reforms are reflected in the MORB in a prompt manner. Thus, a digital MORB is adopted with a more systematic content flow, format, and features to enhance user experience.

This edition covers rules and regulations cumulatively issued as of End-December 2018.

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