Skip to content
Manual of Regulations for Banks

Manual of Regulations for Banks

  • FOREWORD
  • PREFACE
  • USER’S GUIDE
  • TABLE OF CONTENTS
  • POWERS OF THE BANGKO SENTRAL
    • 001 EXAMINATION BY THE BANGKO SENTRAL
    • 002 SUPERVISORY ENFORCEMENT POLICY
    • 003 PROMPT CORRECTIVE ACTION FRAMEWORK
  • PART ONE – ORGANIZATION, MANAGEMENT AND ADMINISTRATION
    • A. CLASSIFICATIONS, POWERS AND OPERATIONS OF BANKS
      • 101 CLASSIFICATIONS, POWERS AND SCOPE OF AUTHORITIES OF BANKS
      • 101-B AUTHORITY OF THRIFT BANKS TO ISSUE FOREIGN LETTERS OF CREDIT AND PAY/ACCEPT/NEGOTIATE IMPORT/EXPORT DRAFTS/BILLS OF EXCHANGE
      • 102 BASIC GUIDELINES IN ESTABLISHING DOMESTIC BANKS
      • 103 LIBERALIZED ENTRY AND SCOPE OF OPERATIONS OF FOREIGN BANKS.
      • 104 MERGERS AND ACQUISITIONS
      • 105 ESTABLISHMENT/RELOCATION/VOLUNTARY CLOSURE/SALE OF BRANCHES/BRANCH-LITE UNITS
      • 106 ESTABLISHMENT OF SUB-BRANCHES OF FOREIGN BANK BRANCHES
      • 107 MOBILE FOREIGN EXCHANGE BOOTHS
      • 108 BANKING DAYS AND HOURS
      • 109 BANK PREMISES AND OTHER FIXED ASSETS
    • B. SPECIAL AUTHORITIES
      • 111 LICENSING
      • 112 MANAGEMENT CONTRACTS AND OUTSOURCING
      • 113 CROSS-SELLING
      • 113-B MARKETING, SALE AND SERVICING OF MICROINSURANCE PRODUCTS BY THRIFT BANKS1.
      • 113-C MARKETING, SALE AND SERVICING OF MICROINSURANCE PRODUCTS BY RURAL AND COOPERATIVE BANKS 2.
      • 114 PROHIBITION ON THE SALE OF FOREIGN-BASED MUTUAL FUNDS BY BANKS.
    • C. CAPITALIZATION AND RISK-BASED CAPITAL
      • 121 MINIMUM REQUIRED CAPITAL
      • 122 SHARES OF STOCK OF BANKS
      • 122-A SHARES OF STOCK OF UNIVERSAL/COMMERCIAL BANKS
      • 122-B SHARES OF STOCK OF THRIFT BANKS
      • 122-C SHARES OF STOCK OF RURAL BANKS AND COOPERATIVE BANKS
      • 123 DEPOSITS FOR STOCK SUBSCRIPTION
      • 124 DIVIDENDS
      • 124-C LIMITATIONS/AMOUNT AVAILABLE FOR DIVIDENDS DECLARED BY RURAL BANKS AND COOPERATIVE BANKS
      • 125 BASEL III RISK-BASED CAPITAL
      • 126 CAPITAL INSTRUMENTS ELIGIBLE AS RISK-BASED CAPITAL
      • 127 RISK-BASED CAPITAL ADEQUACY FRAMEWORK FOR STAND-ALONE THRIFT BANKS, RURAL BANKS AND COOPERATIVE BANKS
      • 128 DOMESTIC SYSTEMICALLY IMPORTANT BANKS (DSIBs)
      • 129 BASEL III LEVERAGE RATIO FRAMEWORK
      • 130 INTERNAL CAPITAL ADEQUACY ASSESSMENT PROCESS AND SUPERVISORY REVIEW PROCESS
    • D. CORPORATE GOVERNANCE
      • 131 POLICY STATEMENT AND DEFINITION OF TERMS
      • 132 BOARD OF DIRECTORS
      • 133 BOARD-LEVEL COMMITTEES
      • 134 OFFICERS
      • 135 REMUNERATION AND OTHER INCENTIVES
      • 136 RELATED PARTY TRANSACTIONS
      • 137 CONFIRMATION OF THE ELECTION/APPOINTMENT OF DIRECTORS/OFFICERS; BIO-DATA OF DIRECTORS AND OFFICERS; INTERLOCKING DIRECTORSHIPS AND/OR OFFICERSHIPS; RULES OF PROCEDURES ON ADMINISTRATIVE CASES INVOLVING DIRECTORS AND OFFICERS OF BSFIs
      • 138 DISQUALIFICATION AND WATCHLISTING OF DIRECTORS AND OFFICERS.
    • E. RISK MANAGEMENT
      • 141 SUPERVISION BY RISK
      • 142 RISK GOVERNANCE FRAMEWORK
      • 143 CREDIT RISK MANAGEMENT
      • 144 MARKET RISK MANAGEMENT
      • 145 LIQUIDITY RISK MANAGEMENT
      • 146 OPERATIONAL RISK MANAGEMENT
      • 147 BANK PROTECTION
      • 148 INFORMATION TECHNOLOGY RISK MANAGEMENT
      • 149 BUSINESS CONTINUITY MANAGEMENT
      • 150 SOCIAL MEDIA RISK MANAGEMENT
      • 151 GUIDELINES ON THE CONDUCT OF STRESS TESTING EXERCISES
    • F. COMPLIANCE, INTERNAL CONTROL, AND AUDIT
      • 161 COMPLIANCE FRAMEWORK
      • 162 INTERNAL CONTROL FRAMEWORK
      • 163 INTERNAL AUDIT FUNCTION
      • 164 SELECTION, APPOINTMENT, REPORTING REQUIREMENTS AND DELISTING OF EXTERNAL AUDITORS AND/OR AUDITING FIRM; SANCTIONS; EFFECTIVITY
    • G. REPORTING GOVERNANCE
      • 171 REPORTING GOVERNANCE FRAMEWORK
      • 172 FINANCIAL RECORDS
      • 173 REPORTS
      • 174 AUDITED FINANCIAL STATEMENTS
      • 175 PUBLIC DISCLOSURES
    • H. UNSAFE OR UNSOUND BANKING
      • 181 CONDUCTING BUSINESS IN AN UNSAFE OR UNSOUND BANKING
    • I. SURRENDER OF BANKING LICENSE, LIQUIDATION, AND RECEIVERSHIP
      • 191 VOLUNTARY LIQUIDATION
      • 192 INSOLVENCY OR RECEIVERSHIP OF BANKS
  • PART TWO – DEPOSITS, BORROWINGS AND OTHER LIABILITIES
    • A. DEMAND DEPOSITS
      • 201 AUTHORITY TO ACCEPT OR CREATE DEMAND DEPOSITS
      • 202 RETURNED CHECKS
      • 203 TEMPORARY OVERDRAWINGS; DRAWINGS AGAINST UNCOLLECTED DEPOSITS
      • 204 DEMAND DEPOSITS OF BANK OFFICERS AND EMPLOYEES
    • B. SAVING DEPOSITS
      • 211 SAVINGS DEPOSIT TRANSACTIONS
      • 212 PESO SAVINGS DEPOSIT ACCOUNTS OF EMBASSY OFFICIALS
      • 213 BASIC DEPOSIT ACCOUNT
    • C. TIME DEPOSITS
      • 216 TERM OF TIME DEPOSITS
      • 217 CERTIFICATES OF TIME DEPOSIT
      • 218 SPECIAL TIME DEPOSITS
    • D. NEGOTIABLE ORDER OF WITHDRAWAL ACCOUNTS
      • 221 AUTHORITY TO ACCEPT NEGOTIABLE ORDER OF WITHDRAWAL ACCOUNTS
      • 222 MINIMUM FEATURES OF NEGOTIABLE ORDER OF WITHDRAWAL ACCOUNTS
      • 223 RULES ON SERVICING NEGOTIABLE ORDER OF WITHDRAWAL ACCOUNTS
    • E. GOVERNMENT DEPOSIT
      • 231 ACCEPTANCE OF GOVERNMENT DEPOSITS
    • F. DEPOSIT SUBSTITUTE OPERATIONS (QUASI-BANKING FUNCTIONS)
      • 241 SCOPE OF QUASI-BANKING FUNCTIONS
      • 242 DEPOSIT SUBSTITUTE INSTRUMENTS
      • 243 MINIMUM TRADING LOT AND MINIMUM TERM OF DEPOSIT SUBSTITUTE
      • 244 MONEY MARKET PLACEMENTS OF RURAL BANKS
      • 245 WITHOUT RECOURSE TRANSACTIONS
      • 246 ISSUANCE OF BONDS AND COMMERCIAL PAPERS
    • G. RESERVE AGAINST DEPOSIT AND DEPOSIT SUBTITUTES LIABILITIES
      • 251 ACCOUNTS SUBJECT TO RESERVES; AMOUNTS REQUIRED
      • 252 COMPOSITION OF RESERVES
      • 253 EXEMPTIONS FROM RESERVE REQUIREMENTS
      • 254 COMPUTATION OF RESERVE POSITION
      • 255 RESERVE DEFICIENCIES; SANCTIONS
      • 256 REPORT ON COMPLIANCE
    • H. INTEREST AND FEES
      • 261 INTEREST ON DEPOSITS/ DEPOSIT SUBSTITUTES
      • 262 DISCLOSURE OF EFFECTIVE RATES OF INTEREST
      • 263 FEES ON RETAIL BANK PRODUCTS/SERVICES
    • I. DEPOSIT OPERATIONS
      • 271 BOOKING OF DEPOSITS AND WITHDRAWALS
      • 272 UNCLAIMED BALANCES
      • 273 RENTAL DEPOSITS OF LESSEES
      • 274 SERVICING DEPOSITS OUTSIDE BANK PREMISES
      • 275 CASH PICK-UP/CASH DELIVERY SERVICES; CASH AGENTS
      • 276 MISCELLANEOUS RULES ON DEPOSITS
    • J. BORROWINGS FROM THE BANGKO SENTRAL
      • 281 REDISCOUNTING LINE
      • 282 REDISCOUNTING AVAILMENTS
      • 283 REPURCHASE AGREEMENTS WITH THE BANGKO SENTRAL
      • 284 BANGKO SENTRAL LIQUIDITY WINDOW
      • 285 EMERGENCY LOANS OR ADVANCES TO BANKING INSTITUTIONS
      • 286 FACILITY TO COMMITTED CREDIT LINE ISSUERS
      • 287-B/C COUNTRYSIDE FINANCIAL INSTITUTION ENHANCEMENT PROGRAM (CFIEP) FOR THRIFT, RURAL AND COOPERATIVE BANKS
      • 288 RECORDING AND REPORTING OF BORROWINGS
      • 289 REDISCOUNTING WINDOW
      • 290 ENHANCED INTRADAY LIQUIDITY FACILITY
    • K. OTHER BORROWINGS OF BANKS
      • 291 BORROWINGS FROM THE GOVERNMENT
      • 292 BORROWINGS FROM TRUST DEPARTMENTS OR INVESTMENT HOUSES
      • 293-B MORTGAGE/CHM CERTIFICATES OF THRIFT BANKS
      • 294-C BORROWINGS OF RURAL BANKS/COOPERATIVE BANKS
    • L. OTHER LIABILITIES
      • 295 COLLECTION OF CUSTOMS DUTIES/TAXES/LEVIES AND OTHER REVENUES, AND ACCEPTANCE, ENCASHMENT OR NEGOTIATION OF CHECKS DRAWN IN FAVOR OF COMMISSIONER
      • 296 COLLECTION AGENTS OF THE SOCIAL SECURITY SYSTEM
      • 297 COLLECTION AGENTS OF PHILHEALTH
      • 298 DISCLOSURE OF REMITTANCE CHARGES AND OTHER RELEVANT INFORMATION
      • 299 SEGREGATION OF CUSTOMER FUNDS AND SECURITIES RECEIVED BY BANKS IN THE PERFORMANCE OF THEIR SECURITIES BROKERING FUNCTIONS
  • PART THREE – LOANS, INVESTMENTS AND SPECIAL CREDITS
    • A. GENERAL PROVISIONS ON LENDING OPERATIONS
      • 301 GRANT OF LOANS AND OTHER CREDIT ACCOMMODATIONS
      • 302 AMORTIZATION ON LOANS AND OTHER CREDIT ACCOMMODATIONS
      • 303 SECURED LOANS AND OTHER CREDIT ACCOMMODATIONS
      • 304 PAST DUE ACCOUNTS AND NON-PERFORMING LOANS
      • 305 INTEREST AND OTHER CHARGES
      • 306 “TRUTH IN LENDING ACT” DISCLOSURE REQUIREMENT
    • B. TYPES OF LOANS AND CREDITS
      • 311 SALARY-BASED GENERAL-PURPOSE CONSUMPTION LOANS
      • 312 CREDIT CARD OPERATIONS
      • 313 AGRICULTURAL LOANS
      • 314 MICROFINANCE LOANS
      • 315 INTERBANK LOANS
      • 316 BANK LOANS TO GOVERNMENT
      • 317 OTHER LOANS AND REDISCOUNTING TO THRIFT/RURAL/COOPERATIVE BANKS
      • 318 STANDBY LETTERS OF CREDIT
      • 319 COMMITTED CREDIT LINE FOR COMMERCIAL PAPER ISSUES
    • C. MANDATORY/SPECIALIZED CREDITS
      • 331 AGRICULTURE AND AGRARIAN REFORM CREDIT
      • 332 MANDATORY ALLOCATION OF CREDIT RESOURCES TO MICRO, SMALL AND MEDIUM ENTERPRISES
      • 333 LOANS TO BARANGAY MICRO BUSINESS ENTERPRISES
    • D. LOANS AND OTHER CREDIT ACCOMMODATIONS TO DIRECTORS, OFFICERS, STOCKHOLDERS AND THEIR RELATED INTERESTS/ SUBSIDIARIES/AFFILIATES
      • 341 POLICY STATEMENT
      • 342 TRANSACTIONS, COVERED AND NOT COVERED
      • 343 DIRECT OR INDIRECT BORROWINGS
      • 344 INDIVIDUAL CEILINGS
      • 345 AGGREGATE CEILING
      • 346 PROCEDURAL AND REPORTORIAL REQUIREMENTS
      • 347 WAIVER OF SECRECY OF DEPOSIT
      • 348 SUPERVISORY ENFORCEMENT ACTIONS
      • 349 APPLICABILITY TO BRANCHES AND SUBSIDIARIES OF FOREIGN BANKS
      • 350 APPLICABILITY TO GOVERNMENT BORROWINGS IN GOVERNMENT-OWNED OR -CONTROLLED BANKS
    • E. CREDIT CONCENTRATION AND PRUDENTIAL LIMITS
      • 361 LARGE EXPOSURES AND CREDIT RISK CONCENTRATIONS
      • 362 CREDIT EXPOSURE LIMITS TO A SINGLE BORROWER
      • 363-A LIMITS ON REAL ESTATE EXPOSURES AND OTHER REAL ESTATE PROPERTY OF UBS/KBS.
      • 363-B LIMITS ON REAL ESTATE EXPOSURES AND OTHER REAL ESTATE PROPERTY OF TBS
      • 364 EXPANDED REPORT ON REAL ESTATE EXPOSURES OF BANKS
    • F. EQUITY INVESTMENTS
      • 371 SCOPE OF AUTHORITY
      • 372 FINANCIAL ALLIED UNDERTAKINGS
      • 373 LIMITS ON INVESTMENT IN THE EQUITIES OF FINANCIAL ALLIED UNDERTAKINGS
      • 374 INVESTMENTS IN VENTURE CAPITAL CORPORATIONS
      • 375 NON-FINANCIAL ALLIED UNDERTAKINGS
      • 376-A INVESTMENTS IN NON-ALLIED OR NON-RELATED UNDERTAKINGS
      • 377 INVESTMENTS IN SUBSIDIARIES AND AFFILIATES ABROAD
      • 378 PRUDENTIAL LIMITS AND RESTRICTIONS ON EQUITY INVESTMENTS
      • 379 SANCTIONS
    • G. SUNDRY PROVISIONS
      • 381 PURCHASE OF RECEIVABLES AND OTHER OBLIGATIONS
      • 382 ACQUIRED ASSETS IN SETTLEMENT OF LOANS
      • 383 LOANS-TO-DEPOSITS RATIO
      • 384 CREDIT POLICIES OF GOVERNMENT- OWNED CORPORATIONS
      • 385 REGULATORY RELIEF FOR BANKS UNDER REHABILITATION PROGRAM APPROVED BY THE BANGKO SENTRAL
  • PART FOUR – TRUST, OTHER FIDUCIARY BUSINESS AND INVESTMENT MANAGEMENT ACTIVITIES
    • A. STATEMENT OF PRINCIPLES AND SCOPE
      • 401 STATEMENT OF PRINCIPLES
      • 402 SCOPE OF REGULATIONS
      • 403 DEFINITIONS
    • B. TRUST AND OTHER FIDUCIARY BUSINESS
      • 411 AUTHORITY TO PERFORM TRUST AND OTHER FIDUCIARY BUSINESS
      • 411-B/C GRANT OF AUTHORITY TO ENGAGE IN LIMITED TRUST BUSINESS TO THRIFT BANKS/RURAL BANKS
      • 412 ORGANIZATION AND MANAGEMENT
      • 413 TRUST AND OTHER FIDUCIARY BUSINESS
      • 414 UNIT INVESTMENT TRUST FUNDS
      • 415 INVESTMENT MANAGEMENT ACTIVITIES
      • 416 FOREIGN CURRENCY DEPOSIT UNIT/EXPANDED FOREIGN CURRENCY DEPOSIT UNIT TRUST ACCOUNTS; OTHER FIDUCIARY OR INVESTMENT MANAGEMENT ACCOUNTS
      • 417 SECURITY DEPOSIT FOR THE FAITHFUL PERFORMANCE OF TRUST AND OTHER FIDUCIARY BUSINESS
      • 418 RESERVES AGAINST PESO-DENOMINATED COMMON TRUST FUNDS AND TRUST AND OTHER FIDUCIARY ACCOUNTS (TOFA) -– OTHERS.
      • 419 REQUIRED RETAINED EARNINGS RESERVED
      • 420 UNSAFE OR UNSOUND MANNER
    • C. INVESTMENT MANAGEMENT ACTIVITIES
      • 421 AUTHORITY TO PERFORM INVESTMENT MANAGEMENT
      • 422 ORGANIZATION AND MANAGEMENT
      • 423 CONDUCT OF INVESTMENT MANAGEMENT ACTIVITIES
      • 424 SECURITY DEPOSIT FOR THE FAITHFUL PERFORMANCE OF INVESTMENT MANAGEMENT ACTIVITIES
      • 425 REQUIRED RETAINED EARNINGS RESERVED
      • 426 UNSOUND MANNER
    • D. GENERAL PROVISIONS
      • 431 SECURITIES CUSTODIANSHIP AND SECURITIES REGISTRY OPERATIONS
      • 432 CUSTODY OF ASSETS
      • 433 FEES AND COMMISSIONS
      • 434 TAXES
      • 435 BOOKS, RECORDS AND REPORTS REQUIRED
      • 436 AUDITS
      • 437 AUTHORITY RESULTING FROM MERGER OR CONSOLIDATION
      • 438 NON-TRUST, NON-FIDUCIARY AND/OR NON-INVESTMENT MANAGEMENT ACTIVITIES
      • 439 RECEIVERSHIP
      • 440 SURRENDER OF TRUST OR INVESTMENT MANAGEMENT LICENSE
    • E. GENERAL PROVISION ON SANCTIONS
      • 499 SANCTIONS
  • PART FIVE – MANUAL OF REGULATIONS ON FOREIGN EXCHANGE TRANSACTIONS
  • PART SIX – TREASURY AND MONEY MARKET OPERATIONS
    • A. MONETARY OPERATIONS OF THE BANGKO SENTRAL
      • 601 MONETARY OPERATIONS
      • 602 THE JAPANESE YEN/PHILIPPINE PESO (JPY/PHP) SWAP FACILITY UNDER THE CROSS-BORDER LIQUIDITY ARRANGEMENT (CBLA) BETWEEN THE BANGKO SENTRAL AND THE BANK OF JAPAN (BOJ)
    • B. TREASURY OPERATIONS OF BANKS
      • 611 TREASURY OPERATIONS
      • 612 SALES AND MARKETING GUIDELINES FOR FINANCIAL PRODUCTS
      • 613 DERIVATIVES ACTIVITIES
    • C. FINANCIAL INSTRUMENTS
      • 621 GLOBAL PESO NOTES
      • 622 FORWARD AND SWAP TRANSACTIONS
      • 623-A GUIDELINES ON THE INVESTMENTS OF UNIVERSAL BANKS AND COMMERCIAL BANKS IN CREDIT-LINKED NOTES (CLNs), STRUCTURED PRODUCTS AND SECURITIES OVERLYING SECURITIZATION STRUCTURES
      • 624-A CREDIT-LINKED NOTES AND SIMILAR CREDIT DERIVATIVES PRODUCTS
      • 625-A BANK’S EXPOSURES TO STRUCTURED PRODUCTS
      • 626-A EXPANDED FOREIGN CURRENCY DEPOSIT UNIT INVESTMENTS IN FOREIGN CURRENCY DENOMINATED STRUCTURED PRODUCTS
      • 627-A INVESTMENTS IN SECURITIES OVERLYING SECURITIZATION STRUCTURES
      • 628 ASSET-BACKED SECURITIES
      • 629 THE CURRENCY RATE RISK PROTECTION PROGRAM (CRPP) FACILITY
  • PART SEVEN – ELECTRONIC BANKING SERVICES AND OPERATIONS
    • 701 ELECTRONIC BANKING SERVICES
    • 702 ISSUANCE AND OPERATIONS OF ELECTRONIC MONEY
  • PART EIGHT – REGULATIONS ON PAYMENT SYSTEMS
    • 801 AUTOMATED TELLER MACHINES
    • 802 CHECK CLEARING OPERATIONS
    • 803 NATIONAL RETAIL PAYMENT SYSTEM (NRPS)
    • 804 SETTLEMENT OF INSTANT RETAIL PAYMENTS
  • PART NINE – ANTI-MONEY LAUNDERING REGULATIONS
    • 901 BANGKO SENTRAL AUTHORITY TO CHECK COMPLIANCE WITH THE AMLA, AS AMENDED
    • 902 DECLARATION OF POLICY
    • 903 SCOPE OF REGULATIONS
    • 904 DEFINITION OF TERMS
    • 905 BASIC PRINCIPLES AND POLICIES TO COMBAT MONEY LAUNDERING
    • A. RISK MANAGEMENT
      • 911 RISK MANAGEMENT
    • B. PREVENTIVE MEASURES
      • 921 CUSTOMER DUE DILIGENCE
      • 922 COVERED AND SUSPICIOUS TRANSACTION REPORTING
      • 923 ADDITIONAL PREVENTIVE MEASURES FOR SPECIFIC CUSTOMERS AND ACTIVITIES
      • 924 RECORD KEEPING
    • C. TRAINING PROGRAM
      • 931 AML TRAINING PROGRAM
    • D. ENFORCEMENT ACTIONS
      • 941 SANCTIONS AND PENALTIES
      • 942 SEPARABILITY CLAUSE
  • PART TEN – BANGKO SENTRAL REGULATIONS ON FINANCIAL CONSUMER PROTECTION
    • 1001 CONSUMER PROTECTION OVERSIGHT FUNCTION
    • 1002 CONSUMER PROTECTION STANDARDS
    • 1003 ENFORCEMENT ACTIONS
  • PART ELEVEN – OTHER BANKING REGULATIONS
    • A. BANKING FEES/CHARGES
      • 1101 ASSESSMENT FEES ON BANKS
      • 1102 COLLECTION OF FINES AND OTHER CHARGES FROM BANKS
      • 1103 SERVICE FEE FOR TRANSACTIONS WITH THE BANGKO SENTRAL
    • B. PHILIPPINE & FOREIGN CURRENCY NOTES & COINS
      • 1111 PHILIPPINE AND FOREIGN CURRENCY NOTES AND COINS
      • 1112 ADOPTION OF CLEAN NOTE AND COIN POLICY
    • C. PERSONAL EQUITY AND RETIREMENT ACCOUNT (PERA)
      • 1121 PERSONAL EQUITY AND RETIREMENT ACCOUNT (PERA) MARKET PARTICIPANTS AND PERA INVESTMENT PRODUCTS
    • D. CREDIT RATING AGENCIES
      • 1131 RECOGNITION AND DERECOGNITION OF DOMESTIC CREDIT RATING AGENCIES FOR BANK SUPERVISORY PURPOSES
      • 1132 INTERNATIONALLY ACCEPTED CREDIT RATING AGENCIES
      • 1133 RECOGNITION AND DERECOGNITION OF MICROFINANCE INSTITUTION RATING AGENCIES
    • E. PRODUCT OFFERING OF PARENT OF FOREIGN BANK BRANCHES
      • 1141-A OFFERING IN THE PHILIPPINES OF PRODUCTS BY PARENT BANK AND BRANCHES ABROAD OF THE PARENT BANK
    • F. FRAMEWORK ON THE GRANT OF REGULATORY RELIEF TO BANKS
      • 1151 REGULATORY RELIEF POLICY
  • LIST OF APPENDICES
    • Appendix 1
    • Appendix 2
    • Appendix 3
    • Appendix 4
    • Appendix 5
    • Appendix 6
    • Appendix 7
    • Appendix 8
    • Appendix 9
    • Appendix 10
    • Appendix 11
    • Appendix 12
      • PROMISSORY NOTE
      • REPURCHASE AGREEMENT
      • CERTIFICATE OF ASSIGNMENT WITH RECOURSE
      • CERTIFICATE OF ASSIGNMENT WITH RECOURSE
      • CERTIFICATE OF PARTICIPATION WITH RECOURSE
      • CERTIFICATE OF PARTICIPATION WITH RECOURSE
    • Appendix 13
    • Appendix 14
    • Appendix 15
    • Appendix 16
    • Appendix 17
    • Appendix 18
    • Appendix 19
    • Appendix 20
    • Appendix 21
    • Appendix 22
    • Appendix 23
    • Appendix 24
    • Appendix 25
    • Appendix 26
    • Appendix 27
    • Appendix 28
    • Appendix 29
    • Appendix 30
    • Appendix 31
    • Appendix 32
    • Appendix 33
    • Appendix 34
    • Appendix 35
    • Appendix 36
    • Appendix 37
    • Appendix 38
    • Appendix 39
    • Appendix 40
    • Appendix 41
    • Appendix 42
    • Appendix 43
    • Appendix 44
    • Appendix 45
    • Appendix 46
    • Appendix 47
    • Appendix 48
    • Appendix 49
    • Appendix 50
    • Appendix 51
    • Appendix 52
    • Appendix 53
    • Appendix 54
    • Appendix 55
    • Appendix 56
    • Appendix 57
    • Appendix 58
    • Appendix 59
    • Appendix 60
    • Appendix 61
    • Appendix 62
    • Appendix 63
    • Appendix 64
    • Appendix 65
    • Appendix 66
    • Appendix 67
    • Appendix 68
    • Appendix 69
    • Appendix 70
    • Appendix 71
    • Appendix 72
    • Appendix 73
    • Appendix 74
    • Appendix 75
    • Appendix 76
    • Appendix 77
    • Appendix 78
    • Appendix 79
    • Appendix 80
    • Appendix 81
    • Appendix 82
    • Appendix 83
    • Appendix 84
    • Appendix 85
    • Appendix 86
    • Appendix 87
    • Appendix 88
    • Appendix 89
    • Appendix 90
    • Appendix 91
    • Appendix 92
    • Appendix 93
    • Appendix 94
    • Appendix 95
    • Appendix 96
    • Appendix 97
    • Appendix 98
    • Appendix 99
    • Appendix 100
    • Appendix 101
    • Appendix 102
    • Appendix 103
    • Appendix 104
    • Appendix 105
    • Appendix 106
    • Appendix 107
    • Appendix 108
    • Appendix 109
    • Appendix 110
    • Appendix 111
    • Appendix 112
    • Appendix 113
    • Appendix 114
    • Appendix 115
    • Appendix 116
    • Appendix 117
    • Appendix 118
    • Appendix 119
    • Appendix 120
    • Appendix 121
    • Appendix 122
    • Appendix 123
    • Appendix 124
    • Appendix 125
    • Appendix 126
    • Appendix 127
    • Appendix 128
    • Appendix 130
    • Appendix 131
    • Appendix 132
    • Appendix 133
    • Appendix 134
    • Appendix 135

BANGKO SENTRAL
NG PILIPINAS

A. Mabini St. cor.
P. Ocampo St.,
Malate Manila,
Philippines 1004

Tel. No.:
(632) 8708.7701

  • Introduction
  • Part 01
  • Part 02
  • Part 03
  • Part 04
  • Part 05
  • Part 06
  • Part 07
  • Part 08
  • Part 09
  • Part 10
  • Part 11
  • Appendices

H. Interest and Fees

Section 261 Interest on Deposits/Deposit Substitutes
Section 262 Disclosure of Effective Rates of Interest
Section 263 Fees on Retail Bank Products/Services
Download as PDF
Proudly powered by IT Systems Management Department