· 2017-06-28 · created date: 6/28/2017 3:15:31 pm

Bauexo SeNrnaL Ne Pn-tPtNAs

OFFICE OF THE GOVERNOR

Subject:

ctRcutAR No. 963Series of 20L7

Bank Responsibility for the Generation and Timely Submission of RequiredReports to the Bangko Sentral

The Monetary Board, in its Resolution No. 963 dated 8 June 20L7, approved thefollowing amendments to the Manual of Regulations for Banks (MORB) setting forth theBangko Sentral's expectation on banks to establish an effective reporting system with an

appropriate governance process that enables the generation and timely submission ofreports that are in accordance with the Bangko Sentral's reporting standards.

Section 1. A new Section shall be added to the MORB, which shall read as follows:

Section X184. Governance Process on the Quality of Bank Reporting.

Statement of Policy

The proper conduct of monetary policy and effective banking supervision are core mandates

of the Bangko Sentral. These mandates are facilitated by the accurate and timelysubmission of required information concerning a bank's financial condition and results ofoperations. At the same time, high quality individual bank reports contribute to thepreparation of aggregate statistics that enable banks to make better informed business

decisions.

It is incumbent upon the Board and Senior Management to implement an effectivereporting system to generate complete, accurate, consistent, reliable and timely reports tothe Bangko Sentral. Banks are expected to capitalize on available information technology in

establishing an effective reporting system that is appropriate for their size and complexity ofoperations. The Bangko Sentral shall prescribe reasonable reporting standards which shall

consider the cost of reporting relative to the expected benefits.

Subsection X184.1. Reporting Stondards,

Reports submitted to the Bangko Sentral must be complete, accurate, consistent, reliable

and timely to be considered compliant with the Bangko Sentral reporting standards. ltfollows that the report shall conform to the relevant submission and validation guidelines as

prescribed by the Bangko Sentral. Likewise, reports with incomplete schedules or

attachments shall be considered non-compliant with the reporting standards. As such, said

reports should have been reviewed and validated by the bank prior to submission to theBangko Sentral to ensure its completeness and correctness. Adequate internal controlsshould likewise be in place to ensure adherence to the reporting standards.

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A. Mabini St., Malate 1004 Manila, Philippines o (6321708-7701 . www.bsp.gov.ph r !5p63;[email protected]

Reports as contemplated in this Circular pertain to a bank's financial condition (i.e.,

solvency, liquidity, and profitability) as well as its operations and management.

Subsection XlfF..z. Governance Process.

An effective governance process over the banKs reporting system must be established bythe Board and implemented by Senior Management to ensure the banKs adherence to thereporting standards. The bank's reporting system should be supported by a combination ofsystems, policies and procedures that are intended to facilitate the accurate and timelygeneration of bank reports. A bank's periodic review of the governance process is likewiseintegral in determining whether the reporting system continues to be relevant and effective.

An effective reporting system shall include the following key components:

a. A management information system and technology infrastructure capable ofsupporting the banKs reporting requirements as well as the conduct of its owninternal validation prior to the submission of reports to ensure compliance with theBangko Sentral reporting standards;

b. Written policies and procedures documenting the bank's standards and processes ingenerating quality internal and external reports;

c. Timely and periodic review of the systems, policies and procedures to ensure theircontinuing relevance and effectiveness conducted by an independent unit within thebank (e.g., internal audit) or an external party contracted by the bank for suchpurpose;

d. A process to implement appropriate enhancements in response to changes in thebanKs operating environment or in the process of addressing weaknesses notedduring periodic reviews conducted; and

e. A process for the timely reportingsignificant transactions, events andquality of reports of the bank.

to the Board and Senior Management ofactivities that have material impact on the

Bank reports shall meet the reporting standards prescribed under Subsection X184.1. Toensure the quality of bank's reporting, Subsection X184.3 prescribes the correspondingsanctions for banks that fail to comply with such reporting standards. The Bangko Sentralshall conduct, as described in Subsection X184.4, an assessment of the quality of a bank'sreporting system in order to determine the underlying integrity of reports being submittedand root cause of persistent submission problems, if any.

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Subsection X184.3. Sonctions on Reports for Non-compliance with the ReportingStandards,

a. Definitions

Erroneous Report - A report submitted within the prescribed deadline, but is foundto be non-compliant with the Bangko Sentral reporting standards described inSection t%.t shall be classified as "Erroneous". Submission of an Erroneous Reportshall be considered as willful failure to comply with a regulation.

Delayed Report -A report that was able to comply with the Bangko Sentral reportingstandards after the submission deadline for said report shall be classified as

"Delayed". Submission of a compliant report after the submission deadline shall beconsidered as willful delay in submission of reports.

Unsubmitted - A report that was not submitted, or was submitted but not able tocomply with the Bangko Sentral reporting standards, by the time the next reportbecomes due or upon the lapse of thirty (30) banking days from the report'ssubmission deadline, whichever comes first shall be classified as "Unsubmitted". SeeTable 2 as reference for the defined number of banking days after submissiondeadline for a report to be considered "Unsubmitted". Non-submission of reportsunder this item shall be considered as willful refusalto comply with a regulation.

b. Monetary Penalties

The applicable monetary penalty shall be based on a prescribed fine for each occurrence (incase of Erroneous reports) or for each day (in case of Delayed or Unsubmitted reports)which will accumulate until such time the report has been determined compliant with theprescribed reporting standards, as provided for in Table 1:

- Prescribed fines for violationsBank Type Primary Reports Secondarv Reoorts

Univeral/Commercia I Banks (U/KBsl P 3.000 P@0Thrift Banks (TBs) 1,500 300Rural Banks/Coop Banks (RCBs) 450 150

The list of reports classified as Primary and Secondary are provided in the attached Annex A.

Erroneous

For a report initially considered Erroneous but subsequently complied with the reportingstandards within the prescribed deadline, the penalty shall be computed by multiplying theprescribed fine by the number of times the subject report was submitted before beingconsidered compliant.

2.

3.

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Delayed

For Deloyed reports, the penalty shall be computed by multiplying the prescribed fine by thenumber of calendar days delayed.

Erroneous and Delayed

ff the report initially considered Erroneous was able to comply with the reporting standardsbutafterthe prescribed deadline (i.e., Delayed), the penaltyshall be based on the sum ofthe penafty for being Erroneous and the penalty for being Delayed.

Unsubmitted

For reports classified as Unsubmitted, (regardless if said report was not submitted or waspreviously submitted but remains non-compliant as described in Subsection X184.3.a.3) themonetary penalty shall be three times (3x) the number of days applied for determining suchclassification, as provided in Table 2:

Tabfe 2 - Defined number of days for penalty computation of reports considered Unsubmitted

(Column A)ReportingFrequency

(Column B)

defined # of banking doysofter su bmission deodline

tobe considered"Unsubmitted"

(Column C)

# of days for penaltycomputation of reports considered

"Unsubmittedo

(A) (B) = (A multiplied bv 3)Weeklv 7 21

Monthly

30 90QuarterlySemestralAnnual

Event-Based*

*Refers to reports that are not due under a regular periodicity since their required submission isreckoned from the occurrence of an event/incident or upon knowledge thereof.

In the event that a compliant report is received after it has been considered unsubmitted,the applicable penalty shall be based on the number of days provided in Column C of Table2. This will be the case even if the actual number of banking days delayed is less than theconstant number of days provided in said Column C1.

Failure to submit a report on time due to fortuitous events such as fire and other naturalcalamities, public disorders including strike and lockout affecting a bank as defined in theLabor Code or of a national emergenry affecting the operation of banks shall not beconsidered as willful delay or willful failure.

r For instance, a weekly report received on the eght (ath) banking day after the submission deadline will still be

penalized the equivalent of twenty-one (21) days, while it likewise follows that a weekly report received on thetwenty-eighth (28th) banking day shallstill be penalized fortwenty-one (21) days.

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In cases of reports falling due in a period affected by a fortuitous event or within a

regulatory relief period as contemplated under Appendix 89, said reports should complywith the reporting standards of the Bangko Sentral within fifteen (15) banking days after theend of the said fortuitous event or regulatory relief. Otherwise, they shall be consideredUnsubmitted and imposed with a monetary penalty equivalent to the applicable fineprescribed in table 1 multiplied by forty-five (45) days (i.e., three times [3xl fifteen [151days).

A bank is still required to submit a compliant report regardless if said report has beenclassified as "Unsubmitted" unless the non-submission is approved by the Bangko Sentral.Otherwise, failure to submit a compliant report within seven (7) banking days from the timean instruction was made to submit the said Unsubmitted report shall result in disciplinaryenforcement action against the bank in accordance with existing regulations such as, butnot limited to, the Bangko Sentral's Supervisory Enforcement Policy under Section X009.

c. lmplementation

ln the implementation of the rules in this section, the submission deadline is consideredmoved to the next banking day should it fall on a non-working day in the locality where thereporting bank is situated or on a working day where business operations in governmentoffices were suspended due to typhoon, flood, or other similar fortuitous events.

The submission of reports with the appropriate department of the SES or with the BangkoSentral Regional Offices shall be effected by sending them electronically or throughregistered mail/courier or through messengerial services, unless otherwise specified in thecircular or memorandum of the Bangko Sentral. The date when the report was sentelectronically or the date of mailing postmarked on the envelope or the date of receipt fromthe messengerial service, as the case may be, shall be considered as the date of filing.

d. Habituality

Habituality shall refer to the repetitive incurrence of reporting violations. For the purposeof objectively determining habituality, a demerit points system shall be put into effect. Abank that incurs more than 100 demerit points within a calendar year shall be considered ahabitual violator.

The total number of demerit points for a calendar year shall be computed based on the totalamount of penalties approved for the said year divided by the prescribed fine for theapplicable reporting category. For purposes of determining demerit points, the coverage ofapproved penalties shall apply to reports prescribed for submission to the Supervision andExamination Sector.

The demerit points system as well as the coverage of reports for determining habitualityshall remain in effect unless otherwise specified by the Bangko Sentral. Table 3 provides anexample of how demerit points are computed:

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Table 3 - Determination of demerit points incurred by a bank in a :alendar

Report CategoryTotalPrimary Secondarv

A. Monetary penalties approved for imposition P 180.000 P 30.000B. Prescribed fine per applicable category based onTable 1

P 3,000 P 600

C. Number of demerit points (A/B) 60 50 110

Based on the sample computation, the bank is considered a habitual violator since it hasincurred more than 100 demerit points within the calendar year.

When a bank is cortsidered habitual in incurring reporting violations, the Bangko Sentralshall require the bank to undertake measures to address the root cause/s of the problem.The bank may also be subject to non-monetary sanctions provided under Section 37 ofRepublic Act No. 7653 (The New Central Bank Act), as well as restriction/suspension ofbranching privileges and other special authorities involving the offering of new products andservices to the public.

The non-monetary sanctions shall continue to be in effect until the habituality is consideredaddressed. The habituality is considered addressed and the non-monetary sanctions will belifted if the bank did not incur any demerit points {i.e., none of the reports of the bank wascfassified as either Erroneous, Deloyed, Erroneous ond Deloyed, or lJnsubmittedl for at leastthree (3) consecutive months from the time the habituality was observed.

Subsection X1,f8{..A Assessment of Reporting System.

lf the results of the assessment disclose significant deficiencies in the reporting system, thebank shall be required to submit a Board-approved action plan. Such action plan shallinclude measures that the bank must undertake within a specified period of time to addressthe deficiencies noted.

Failure of the Board and Senior Management of the bank to implement the requiredcorrective measures within the specified time frame shall be grounds to subject the bankincluding its Board, Senior Management and other responsible official/s to the BangkoSentral's Supervisory Enforcement Policy under Section X009. This is without prejudice toimposition of sanctions provided under applicable regulations and law, such as but notlimited to, Sections 34, 35, and 35 of R.A. No. 7553 (The New Central Bank Act).

Subsection X184.5. Tronsitory Provisions.

Banks have until 31 December 20L7 to make the necessary preparations to their systemsand processes to ensure compliance with Section X184. The period of preparation shall betreated as an observation period wherein banks will be provided information on theiraccumulated demerit points described under Subsection X184.3 as of various periods in2Ot7. The Bangko Sentral shall provide banks with information on their accumulateddemerit points within the months of August and December 20L7.

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Full implementation will take effect beginning l January 2018.

Section 2. The provisions of SubsectionXl92.2 of the MORB are hereby deleted.

Section 3. All references to Subsection XL92.2 on the provisions of the MORB indicatedbelow are hereby changed to Subsection X184.3. The said pertinent provisions are likewiserevised as follows:

Section/Subsection/Apoendix

Existing Phrase New Phrase

Subsection X115.4 late and/or erroneousreporting of all reports incompliance with the Basel lllrequirements shall be subjectto penalties provided underSubsec. XL92.2. Banks failingto submit the required reportswithin the prescribed deadlineshall be subject to monetarypenalties applicable for delayedreporting under existingregulations.

Erroneous/Delayed/Erroneous and Delayed/Unsubmitted reports relativeto the Basel lll requirementsshall be subject to penaltiesprovided under Subsec.

x184.3.

Subsection X115.6 b. However, late and/orerroneous reports shall besubject to penalties providedunder Subsection XI92.2.Banks failing to submit therequired reports within theprescribed deadlines shall be

subject to monetary penaltiesapplicable for delayedreporting under existingregulations.

However, Erroneous/Delayed/ Erroneous andDelayed/ Unsubmittedreports shall be subject topenalties provided underSubsection X184.3.

Subsection X126.2 Any willful delay in thesubmission of said report, a

Category A-2 report, shallsubject the bank to thecorresponding fines for delayedreports in accordance with theprovisions of Subsec. X192.2 tobe reckoned on the dayfollowing the due date ofsubmission until the correctreport is submitted to theBangko Sentral.

Any Delayed/ Unsubmittedreport, a Category A-2 report,shall subject the bank to thecorresponding penalties inaccordance with Subsectionx184.3.

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Subsection LL76.3ii. For delayed sworn certificotionond/or LCR report. A bank shallbe subject to the penalties fordelayed submission of thesworn certification and/or LCR

report in accordance with theprovisions of Subsec. X192.2, tobe reckoned on the dayfollowing the due date ofsubmission until thecertification and/or report is

filed with the Bangko Sentral.

For Erroneous/ Deloyed/Erroneous ond Delayed/Unsubmitted sworncertificotion ond/or LCR

report. A bank shall besubject to the penalties forErroneous/ Delayed/Erroneous and Delayed/Unsubmitted sworncertification and/or LCR

report in accordance with theprovisions of Subsec. X184.3.

Subsection X190.1 The reports and certificationsof institutions concerned,schedules and attachmentsrequired under this Subsectionshall be considered Category Breports, delayed submissionof which shall be subject to thepenalties under Subsec.

x1s2.2b(1)b.

The reports and certificationsof institutions concerned,schedules and attachmentsrequired under thisSubsection shall beconsidered Category B

reports, wherein Delayed/Unsubmitted reports subjectto the penalties underSubsec. X184.3.

Subsection XL92.4 Moreover, final reports oncrimes and losses withincomplete information as

required under SES Form 6G

shall be considered erroneousreports and the concernedbank shall be required tosubmit amended reportssubject to penalties on latereporting for Category B

reports under Subsec. XL92.2;

Moreover, initial and/or finalreports on crimes and lossesas required under SES Form

6G that are consideredErroneous/ Delayed/Erroneous and Delayed/Unsubmitted shall be subjectto the penalties for CategoryB reports under Subsectionx184.3.

Subsection X192.18 Late and/or erroneousreporting of the said reportshall be subject to penaltiesprescribed under Subsec.Xl92.2for Category I reports.

Erroneous/Delayed/Erroneous and Delayed/Unsubmitted reports shall besubject to penaltiesprescribed under Subsec.

X184.3 for Category B

reports.

Subsection X341.15 (1)(b)

For deloyed/amended re ports

A bank shall be subject to thefines for delayed/amendedreports on compliance with themandated credit allocation forasri-agra credit under R.A. No.

For Erroneous/ Delayed/Erroneous and DelaVed/Unsubmitted reports

A bank shall be subject to thefines for Erroneous/ Delayed/Erroneous and Delaved/

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10000 in accordance with theprovisions of Subsec. X!92.2,to be reckoned on the dayfollowing the due date ofsubmission until the properreport is filed with the BSP.

Unsubmitted reports oncompliance with themandated credit allocationfor agri-agra credit under R.A.

No. 10000 in accordance withthe provisions of Subsec.

x184.3.

Subsection X351.9 Late and/or erroneousreporting of said reports shallbe subject to penaltiesprescribed for category A-2report under Subsec. XL92.2.

Erroneous/Delayed/Erroneous and Delayed/Unsubmitted reports shall besubject to penaltiesprescribed for category A-2report under Subsec. X184.3.

Subsection X410.5 For purposes of imposingmonetary penalties providedunder Subsec. XL92.2 fordelayed submission of reports,the amendments to the Plan

shall be considered as

"Category A-3" report.

For purposes of imposingmonetary penalties providedunder Subsec. X184.3 forDelayed/ Unsubmittedreports, the amendments tothe Plan shall be consideredas "Category A-3" report.

Subsection X190.7 b. Delayed submission of AnnualReport. Sanctions in ca:;e ofwillful delay in the submissionof Annual Report and the ARAC

shall be in accordance with theprovision under Subsec.

xL92.2.

Delayed/ UnsubmittedAnnuol Report. Sanctions incase of Delayed/Unsubmitted Annual Reportand the ARAC shall be inaccordance with theprovision under Subsec.

x184.3.

Appendix 107 Late and/or erroneousreporting of the said reportshall be subject to penaltiesprescribed under Subsec.XI92.2 for Category A-1reports, without prejudice tosanctions provided underSections 35 and 37 of R.A. No.

7553 or The New Central Bank

Act.

Erroneous/Delayed/Erroneous and Delayed/Unsubmitted reports shall be

subject to penaltiesprescribed under Subsec.

X184.3 for Category A-1reports, without prejudice tosanctions provided underSections 35 and 37 of R.A.

No. 7553 or The New CentralBank Act.

Section 4. The pertinent portions in Appendix 6, as shown in Annex B, are amended toindicate the new requirement for their electronic subrnission.

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Section 5. Effectivity. This Circular shall take effect fifteen (15) calendar days following itspublication either in the Official Gazette or in a newspaper of general circulation.

FOR THE MONETARY BOARD:

h--ffifL7 June 2OL7

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Classification of Reports

Annex A

l. Primary Reports

Primary Reports include all Category A-1, A-2, and A-3 reports covered under SubsectionX1-92.L except those specifically classified as Secondary Reports

ll Secondary Reports

Secondary Reports includes all Category B reports and the following Category A-L, A-2,and A-3 reports covered under Subsection XL92.I

o Report on Compliance with Mandatory Credit Allocation for Micro, Small, andMedium Enterprises (MSME)

o Report on Compliance with Mandatory Agri-Agra Credito Reports on Required and Available Reserveso Microfinance Reports (Report on Microfinance Produ cts and Income Statement on

Retail Microfinance Operationso Report on Crimes and Losses

o Credit Card Business Activity Report (CCBAR)

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ANNEX B

APPENDIX 6 - BANK REPORTS FOR ETECTRONIC SUBMISSION

teportTide Fre$,reil€y Deadllne Prescribed E-mail Mdress €overed Institu$ms

1Report on Non-Deliverable Forward Transactions Against

Philippine PesoDaily 2 banking days after end of reference date [email protected] Banks

2 Consolidated Daily Report of Condition (CDRC) Weekly

3 banking days after end of reference week [email protected] UKBs

6 banking days after end of reference week [email protected] TBs

3Weekly Report on Required and Available Reserves Against

Deposit Liabilities (WRRAR)Weekly 4 banking days after end of reference week sdcrb-wrra [email protected] RCBs

4Report on Peso-Denominated Common Trust Fund and Other

Similarly Managed Funds (CTF)Weekly 3 banking days after end of reference week

sdckb-trust@ bsp.gov.ph AII UKBS and TBs

authorized to engage in

trust [email protected]

5 idr rrirnr Aarnr rn+c lTflEAl Weekly 3 banking days after end of reference week

sdckb-trust@ bsp.gov.ph All UKBs and TBs

authorized to engage in

trust [email protected]

6Broker Customer Accounts for Settlement of Customer Trades -

Sash Accounts/Securities Accounts End-of-Week BalanceMonthly 15 banking days after end of reference month

sdckb-brokeri [email protected]

All banks with securities

brokering licensesdctb-brokeri [email protected]

sdcrb-brokeri ng@ bsp.gov.ph

7 Financial Reporting Package (FRP) - Solo

Monthly 15 banking days after end of reference [email protected] UKBs

[email protected] TBs

luarterly 15 banking days after end of reference quarter ;[email protected] RCBs

8

Financial Reporting Package (FRP) - Consolidated

Luarterly 30 banking days after end of reference quarter

[email protected] UKBs

(applicable to parent banks with subsidiary banks and otherfinancial allied undertakings excluding insurance companies) [email protected] TBs

9Report on Microfinance Products

Vlonthly 15 banking days after end of reference month


sdctb-micro@ bsp.gov. ph TBs

sdcrb-micro @bsp.gov.ph RCBs

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Report Title Freguency Deadline Prescribed E<nail Address Covered Instihrdons

r.0Income Statement on Retail Microfinance Operations




[email protected] RCBs

11Supplementary Report on Early Adoption of PFRS 9 - Solo

(applicable to early adopter BSFIs)


15 banking days after end of reference [email protected] TBs

Xuarterly 15 banking days after end of reference quarter ;[email protected] RCBs

L2Supplementary Report on Early Adoption of PFRS 9 - Consolidated(applicable to early adopter BSFIs)

luarterly 30 banking days after end of reference quarter;[email protected] UKBs

;[email protected] TBs

13

Computation of the Risk-Based Capital

Adequacy Ratio Covering Combined Credit Market

and Operational Risks (for stand alone TBs and RCBs) - Solo

f,uarterly


;[email protected] RCBs

L4

:omputation of the Risk-Based Capital

Adequacy Ratio Covering Combined Credit Market

lnd Operational Risks (for stand alone TBs and RCBs) -Luarterly 30 banking days after end of reference quarter


lonsolidated (applicable to parent banks with subsidiary banks

and other financial allied undertakings excluding insurance

:ompanies)[email protected] RCBs

15 Basel lll Capital Adequacy Summary Report - Solo luarterly 15 banking days after end of reference quarter

sdckb-ca rsumma [email protected] UKBs

scdtb-carsumma [email protected] TBs

sdcrb-ca rsumma ry@ bsp.gov.ph RCBs

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Basel llt Capital Adequacy Summary Report - Consolidated(applicable to parent banks with subsidiary banks and otherfi nancial allied undertakings excluding insurance companies)

Xuarterly 30 banking days after end of reference quarter sdckb-carsumma [email protected] UKBs

L7 l,uarterly 15 banking days after end of reference quarter

sdckb-agra@ bsp.gov.ph UKBs

Report on compliance wlth the Mandatory Agrl Agra credlt (Agri-

Agra)sdctb-agra @ bsp.gov.ph T8s

sdcrb-agra @ bsp.gov. ph RCBs

18Report on Compliance with Mandatory Credit Allocation Required


;[email protected] UKBs


Under RA 6977 (as Amended by RA Nos. 8289 and 9501)(MSME);[email protected] RCBs

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Report fitle Frequeilcy Deedline Prcscribed E-mait Address Covercd Institutions

19Report on Credit and Equity Exposures to Individuals/Companies/Groups Aggregating P1 Million and Above (CREDEX)

Quarterly 15 banking days after end of reference [email protected] UKBs

srso-credex@ bsp.gov.ph TBs

20 Financial Reporting Package for Trust Institutions (FRPTI) Quarterly 20 banking days after end of reference quarter

;dckb-frpti @bsp.gov.ph UKBs

sdctb-frpti @bsp.gov.ph TB5

sdcrb-frpti @bsp.gov.ph RCBs

2T

Published Balance Sheet /

Quarterly 12 banking days from date of Call Letter


resources of P1 billion and above (consolidated reports are

applicable to parent banks with subsidiary banks and [email protected] TBs

financial allied undertakings excluding insurance companies)[email protected] RCBs

22Report on Electronic Money Transactions

(applicable to Electronic Money lssuers)f,.uarterly 15 banking days after end of reference quarter

sdckb-emoney@ bsp.gov.ph

All electronic moneyissuers- Banks

;dctb-emoney@ bsp.gov.ph

;[email protected]

23 ixpanded Report on Real Estate Exposures - Solo Luarterly 30 banking days after end of reference quarter ;[email protected] UKBs


24

ixpanded Report on Real Estate Exposures - Consolidatedlaoolicable to Darent banks with subsidiarv banks and other Luarterly 30 banking days after end of reference quarter


'inancial allied undertakings excluding insurance companies)[email protected] TBs

25 leport on the Inventory of Banking Network Luarterly 20 banking days after end of reference quarter



;[email protected] RCBs

26

lredit Card Business Activity Report

iapplicable to Financial Institutions (Fls) with Credit Card

f,perations)Luarterly 15 banking days after end of reference quarter [email protected] All Banks

27 leport of Selected Branch Accounts Quarterly 20 banking days after end of reference quarter


sdctb-bris@ bsp.gov.ph TBs

sdcrb-bris@ bsp.gov.ph RCBs

28 Basel lll Liquidity Coverage Ratio (LCR) Report - Solo Quarterly 15 banking days after end of reference quarter [email protected] UKBs

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Reportfitle Fre6rency Deadline Prescribed E-mail Address Covered Institutions

29 lasel lll Liquidity Coverage Ratio (LCR) Report - Consolidated Quarterly 30 banking days after end of reference quarter [email protected] UKBs

30 Report on Cross-Border Financial Positions Quarterly 30 banking days after end of reference quarter


sdckb-rcbp@ bsp.gov.ph TBs

31 Stress Testing Reports Covering Credit and Market Risks Semestral 30 banking days after end of reference semester


sdctb-stresstesting@ bsp.gov.ph TBs

32Report on Selected Accounts and Activities for the ldentification 01

Domestic Svstemicallv lmoortant BanksSemestral 30 banking days after end of reference semester [email protected] UKBs

33 Basel lll Leverage Ratio (BLR) Report - Solo Semestral 15 banking days after end of reference semester

sdckb-leverage@ bsp.gov.ph UKBs

sdctb-leverage@ bsp.gov. ph TBs

sdcrb-leverage@ bsp.gov.ph RCBs

34

Basel lll Leverage Ratio (BLR) Report - Consolidated (applicable toparent UKBs with subsidiary banks and other financial allied

undertakings excluding insurance companies)

Semestral 30 banking days after end of reference semester [email protected] UKBs

35 Information Technology (lT) Profile Report Annual 25 calendar days after end of reference yearsdckb-itprofile@ bsp.gov. ph UKBs



36 Report on Crimes and/or Losses (RCL) - Initial Report As crime/incident occurs 10 calendar days from knowledge of crime/incident


[email protected]

[email protected]

37 Report on Crimes and/or Losses (RCL) - Complete/Final Report As crime/incident occurs 20 calendar days from termination of investigation


[email protected]

[email protected]

38 Registration Form (E-Correspondences) As changes occur

;[email protected] UKBs



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