MORNBFI Vol. 1 - Planters Development Bank

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§ 4409Q.909.12.31(1) the purpose or intention of the trust;(2) the nature and value of the propertyor sum of money that comprise the trust;(3) the trustee’s investment powers;(4) the name(s) of the beneficiaries; and(5) the terms and conditions underwhich the income and/or principal of thetrust is to be paid or to be disposed of duringthe lifetime and ultimately, upon the deathof the trustor or upon the occurrence of aspecified event(s).A living trust may either be revocableor irrevocable.b. Minimum criteria. In line with suchdefinition, transactions considered as livingtrust accounts should meet the followingminimum criteria:(1) Minimum entry amount andmaintaining balance shall at least beP100,000: Provided, That living trustaccounts with balances of up to P500,000shall only be invested in deposits andgovernment securities;(2) Living trust accounts shall bemaintained for a minimum period of six (6)months. The termination of the living trustagreement, for any cause, within theminimum holding period shall render thetrustor ineligible from opening a new livingtrust account within a period of one (1) yearfrom termination date;(3) Reversion of any part of the principalto the trustor, except in cases providedunder the dispositive portion, shall beallowed only upon termination of the livingtrust agreement: Provided, That in no casecan there be a complete or substantialreversion of the principal pursuant to thedispositive portion within the minimumholding period nor can the principal fallbelow P100,000;(4) Any living trust account that does notmeet the requirement on the minimum entryand minimum maintaining balance or is notinvested in qualified outlets shall be consideredas other fiduciary accounts subject toapplicable reserve and other requirements;(5) Pre-printed living trust agreementsmay be allowed for expediency: ProvidedThat the sections for the trust purpose andthe dispositive provision are left blank andshall only be filled-up upon the client’ssigning thereof. The purpose shallcategorically state the real intention of thetrustor, which may include, but need notbe limited to:(a) providing his/her and beneficiary/(ies) present and/or future financial support;(b) protecting his/her beneficiary/(ies)against his/her inexperience in businessmatters;(c) preventing him/her from makingimprudent expenditures;(d) prevent the beneficiary/(ies) fromliving beyond their means in case of outrightdisposition of assets in their favor;(e) protecting the beneficiary/(ies)against unforeseen contingencies such asincompetency, incapacity, physicaldisability or similar misfortune; and(f) setting aside and segregatingparticular assets, proceeds or payments foradministration and distribution pursuant toa court decree or by agreement.The dispositive provision should clearlyand specifically define the terms andconditions under which the principaland/or income shall be distributed in orderto accomplish such purpose/(s), by takinginto consideration the frequency ofredemption; the respective interests of eachbeneficiary; and to whom the proceeds shallbe payable. Redemption of funds shallstrictly be in accordance with the said termsand conditions; and(6) A living trust account may beopened jointly under one (1) living trustagreement by related individuals up to thesecond degree of consanguinity or affinity:Provided, That the requirements under Item“5” above are fully complied with. Unrelatedindividuals or those beyond the seconddegree of consanguinity or affinity maylikewise open a joint living trust accountManual of Regulations for Non-<strong>Bank</strong> Financial InstitutionsQ RegulationsPart IV - Page 18a
§ 4409Q.909.12.31under one (1) living trust agreement:Provided, That the minimum contributionof each individual is at least P100,000:Provided further, That the trust is for acommon purpose and: Provided, finally,That the requirements under Item “5” arefully complied with.c. Marketing. Officers and personnelof the institution proper, including branchmanagers, shall not be allowed to marketliving trust products and sign pre-printedliving trust agreements. However, branchmanagers/officers may be allowed to referclients to the Trust Department and giveshort introduction on the living trustproducts to prospective clients.d. Transitory Provision. Outstandingliving trust accounts that do not meet theforegoing additional requirements shall begiven twelve (12) 1 months from 11 April2006 to comply with the aforestatedrequirements; otherwise, such accounts shallbe considered as Other Fiduciary Accountssubject to applicable reserve requirements.(Next page is Part IV - Page 19)1Original 6 months transitory period under Circular No. 521 extended by another 6 months under Circular No. 553.Q RegulationsPart IV - Page 18bManual of Regulations for Non-<strong>Bank</strong> Financial Institutions
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FOREWORDThe 2011 Manual of Regulati
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LIST OF APPENDICESList of Appendice
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List of Appendices11.12.31No.SUBJEC
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List of Appendices11.12.31No. SUBJE
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POWER OF THE BANGKO SENTRAL TO EXAM
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§§ 4101Q - 4101Q.108.12.31PART ON
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§§ 4101Q.2 - 4101Q.308.12.31c. Tw
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§§ 4101Q.5 - 4101Q.608.12.31§ 41
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§§ 4102Q.1 - 4103Q08.12.31f. The
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§§ 4108Q - 4108Q.309.12.31C. MERG
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§ 4108Q.308.12.31f. Relocation of
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§§ 4114Q - 4116Q.211.12.31Sec. 41
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§ 4116Q.211.12.31(xii) It must be
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§ 4116Q.308.12.31examination as ap
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§§ 4116Q.3 - 4116Q.408.12.31(a) I
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§ 4116Q.408.12.31m. Forward asset
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§§ 4117Q - 4119Q09.12.31to risk a
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§§ 4136Q.2 - 4136Q.408.12.31§ 41
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§§ 4136Q.4 - 4141Q.108.12.31on su
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§§ 4141Q.1 - 4141Q.308.12.31direc
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§ 4141Q.308.12.31responsible for t
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§ 4141Q.308.12.31practical strateg
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§§ 4141Q.4 - 4142Q11.12.31Confirm
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§ 4143Q.108.12.31government agency
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§§ 4143Q.1 - 4143Q.210.12.31direc
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§§ 4143Q.3 - 4143Q.408.12.31§ 41
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§§ 4143Q.4 - 4143Q.508.12.31the f
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§ 4145Q09.12.31disadvantages that
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§§ 4146Q - 4148Q08.12.31schedule
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§§ 4149Q.9 - 4150Q08.12.31The imp
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§§ 4151Q.5 - 4160Q.310.12.31h. Bu
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§ 4160Q.310.12.31or corrected cert
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§§ 4174Q - 4180Q.108.12.31to prov
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§§ 4180Q.4 - 4180Q.808.12.31direc
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§§ 4185Q.9 - 4186Q.308.12.31direc
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§ 4190Q08.12.31volume of past due
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§§ 4190Q - 4190Q.408.12.31adjusti
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§§ 4191Q - 4191Q.311.12.31Sec. 41
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§§ 4192Q - 4192Q.208.12.31or subs
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§§ 4192Q.2 - 4192Q.308.12.31b. Fi
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§§ 4201Q - 4235Q.308.12.31PART TW
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§§ 4235Q.5 - 4235Q.611.12.31date
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§ 4235Q.1208.12.31being sold on a
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§§ 4237Q.2 - 4237Q.308.12.31c. Th
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§§ 4239Q.4 - 4239Q.608.12.31§ 42
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§§ 4254Q - 4254Q.308.12.31capital
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§§ 4256Q.5 - 4277Q08.12.31adopted
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§ 4301Q08.12.31PART THREELOANS, IN
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§ 4301Q.609.12.31concentrations of
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§§ 4303Q11.12.31the payment of pr
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§§ 4304Q.110.12.31amounts and for
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§§ 4304Q.1 - 4304Q.1010.12.31exte
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§§ 4304Q.12 - 4305Q.310.12.31b. r
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Page 113 and 114: §§ 4307Q.2 - 4309Q.108.12.31state
Page 115 and 116: §§ 4320Q.1 - 4320Q.210.12.31penal
Page 117 and 118: §§ 4320Q.4 - 4320Q.710.12.31amoun
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Page 121 and 122: §§ 4322Q.1 - 4322Q.208.12.31(1) W
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§§ 4701Q.5 - 4701Q.1209.12.31b. O
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§ 4780Q.409.12.31shall be consolid
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§§ 4781Q - 4799Q09.12.31Secs. 478
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§ 4803Q11.12.31result of which he
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§ 4803Q - 4805Q11.12.31beneficiary
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§§ 4805Q.211.12.31terrorism finan
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§§ 4805Q.4 - 4806Q.1.a.11.12.31of
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§§ 4806Q.1.c. - 4806Q.1.e.1.11.12
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§§ 4806Q.2.a. - 4806Q.2.c.11.12.3
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§§ 4806Q.2.d. - 4806Q.2.e.1.a.11.
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§§ 4806Q.2.h. - 4806Q.2.i.11.12.3
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§§ 4806Q.2.j.2. - 4806Q.2.m.11.12
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§§ 4806Q.3.a. - 4807Q.111.12.31b.
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§§ 4807Q.5 - 4808Q11.12.31§ 4807
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§§ 4810Q - 4899Q11.12.31F. BSP Au
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§§ 4902Q.1 - 4902Q.209.12.31(2) T
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§§ 4921Q - 4931Q.208.12.31g. Deli
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§ 4931Q.208.12.31(2) The assessmen
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§§ 4931Q.5 - 4999Q08.12.31(1) Fai
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APP. Q-108.12.31e. Organization, Di
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APP. Q-208.12.31E. Less:Present Com
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Q RegulationsAppendix Q-3 - Page 2S
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Q RegulationsAppendix Q-3 - Page 10
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APP. Q-308.12.31Annex Q-3-aINFORMAT
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APP. Q-308.12.31Annex Q-3-cREPORTIN
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APP. Q-308.12.31Annex Q-3-eDOCUMENT
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APP. Q-408.12.31GUIDELINES ON PRESC
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APP. Q-408.12.31Annex Q-4-bFORMAT O
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MINIMUM INTERNAL CONTROL STANDARDS
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APP. Q-508.12.31these transactions
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APP. Q-608.12.31STANDARDIZED DEPOSI
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APP. Q-608.12.31Serial No.(Name of
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APP. Q-608.12.31Serial No:(Name of
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APP. Q-608.12.31Serial No:(Name of
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APP. Q-708.12.31NEW RULES ON REGIST
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APP. Q-708.12.31connection with the
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APP. Q-708.12.31(f) Evidence of ind
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APP. Q-708.12.31(b) These periodic
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APP. Q-808.12.31Sec. 3. Conditions
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APP. Q-808.12.31h. Projected annual
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APP. Q-808.12.31Sec. 11. Conditions
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APP. Q-808.12.31Sec. 19. Transitory
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APP. Q-908.12.31B. The following go
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APP. Q-1008.12.31a. Loans with unlo
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APP. Q-1008.12.31C. Credit card rec
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APP. Q-1008.12.31as a result of the
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APP. Q-1108.12.316. Finance Charges
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ABSTRACT OF "TRUTH IN LENDING ACT"
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APP. Q-13a08.12.31SETTLEMENT PROCED
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APP. Q-13b08.12.31executed, the ben
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APP. Q-13b08.12.31PARTICIPATION AGR
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APP. Q-13b08.12.31Annex 2LETTERHEAD
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APP. Q-1408.12.31SAMPLE INVESTMENT
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APP. Q-1408.12.31(4) Loans fully se
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APP. Q-1408.12.31EFFECTIVITY AND TE
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APP. Q-1509.12.31Considering that c
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APP. Q-1509.12.31c. Appropriate ris
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APP. Q-1509.12.31deteriorating posi
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APP. Q-1509.12.31(c) Competent and
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APP. Q-1609.12.31(2) The length of
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APP. Q-1609.12.31unless a written a
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APP. Q-1609.12.31knowledge in deriv
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APP. Q-16-a09.12.31establish or mai
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APP. Q-1808.12.31SECURITIES AND EXC
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APP. Q-1808.12.31administration, as
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APP. Q-1808.12.31Sec. 12. Bangko Se
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APP. Q-1908.12.31f. PURCHASE DISCOU
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APP. Q-1908.12.31a) Police clearanc
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APP. Q-1908.12.31Sec. 8. Loans and
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APP. Q-1908.12.31and shall be gover
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APP. Q-2011.12.31(1%) shall be eval
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APP. Q-2011.12.31in the fair value
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APP. Q-2011.12.31recognition, an FI
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APP. Q-2011.12.31securities since t
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APP. Q-2008.12.31after 15 November
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APP. Q-20a08.12.31ESTABLISHING THE
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APP. Q-20a08.12.31Other GuidelinesF
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APP. Q-2108.12.31the BTR and BSP to
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APP. Q-2108.12.317. On the same day
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APP. Q-2108.12.31Annex 1SUPERVISION
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APP. Q-2108.12.31Annex 2-ATo be use
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APP. Q-2108.12.31Annex 3Letterhead
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APP. Q-2108.12.31MEMORANDUMAnnex 5D
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APP. Q-2108.12.31Annex 7MEMORANDUMD
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APP. Q-22-a09.12.31PROFORMA PAYMENT
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APP. Q-23-a08.12.31CERTIFICATION OF
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APP. Q-23-c08.12.31CUSTOMER DUE DIL
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APP. Q-23-c08.12.312.2 Specific ide
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APP. Q-23-c08.12.31by high-risk cus
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APP. Q-23-d08.12.31GENERAL IDENTIFI
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APP. Q-23-e08.12.318. These guideli
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APP. Q-23-e08.12.31principals. What
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APP. Q-23-f08.12.31Anti-Money Laund
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APP. Q-2409.12.31(9) An excessive v
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APP. Q-2508.12.31Presidential Decre
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APP. Q-2508.12.31(o) “Property”
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APP. Q-2508.12.31public funds or ra
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APP. Q-2508.12.31(64) Sale of any c
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APP. Q-2508.12.31(113) Violations o
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APP. Q-2508.12.31(2) to issue order
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APP. Q-2508.12.31verifying their le
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APP. Q-2508.12.31existing laws and
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APP. Q-2508.12.314. All relevant in
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APP. Q-2508.12.31executory. This pr
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APP. Q-2508.12.31execution and sati
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APP. Q-2508.12.31monetary instrumen
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APP. Q-2508.12.31final disposition
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APP. Q-2708.12.31DETAILS ON THE COM
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APP. Q-2808.12.31(1) the assets to
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APP. Q-28-a08.12.31(which is compar
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APP. Q-28-a08.12.31be objectively r
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APP. Q-28-a08.12.311Accounting Entr
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APP. Q-28-a08.12.31B. Statement of
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APP. Q-2908.12.31GUIDELINES AND MIN
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APP. Q-2908.12.31Circular No. 388 f
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APP. Q-3009.12.31of the BSP or the
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APP. Q-3009.12.31Category B and C u
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APP. Q-3009.12.31b. A notarized und
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APP. Q-3009.12.313. In case there a
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APP. Q-3009.12.31a. An external aud
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APP. Q-3108.12.31QUALIFICATION REQU
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APP. Q-3209.12.31RULES AND REGULATI
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APP. Q-3209.12.31e. The interest of
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APP. Q-3308.12.31Information/Data R
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APP. Q-3308.12.31Information/Data R
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APP. Q-3408.12.31QUARTERLY INVESTME
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APP. Q-34a08.12.31cash is possible
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APP. Q-3508.12.31BANGKO SENTRAL RUL
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APP. Q-3508.12.31submit, within ten
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APP. Q-3608.12.31FORMAT CERTIFICATI
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App. Q-3608.12.31Annex Q-36-aFORMAT
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APP. Q-3709.12.31(iv) Responsibilit
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APP. Q-3709.12.31review and that BS
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APP. Q-3811.12.31IMPLEMENTATION OF
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APP. Q-3811.12.31or instruction dir
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APP. Q-3811.12.31Annex ATEMPLATE OF
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APP. Q-3811.12.31The custodian shal
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APP. Q-3808.12.31Moreover, Circular
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APP. Q-38a08.12.31DISPOSITION OF CO
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APP. Q-38b08.12.31Annex AKNOW ALL M
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APP. Q-38b08.12.31holdings of benef
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APP. Q-38b08.12.31Sec. 4. Settlemen
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APP. Q-38b08.12.31INVESTOR’S UNDE
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APP. Q-38b08.12.317. To hold the BT
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APP. Q-3909.12.31THE GUIDELINES FOR
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APP. Q-3909.12.316. Maximum refers
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App. Q-3908.12.31assets and capital
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PROMPT CORRECTIVE ACTION FRAMEWORK[
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APP. Q-4009.12.31facilities. The De
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APP. Q-4108.12.31Annex ADEBIT/CREDI
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APP. Q-4208.12.31of traded portfoli
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APP. Q-4208.12.31c. Ensure that str
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APP. Q-4308.12.31GUIDELINES ON MARK
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APP. Q-4308.12.31of this Appendix i
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APP. Q-4308.12.31expected net cash
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APP. Q-4308.12.31presented. In asse
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APP. Q-4308.12.315. Procedures to b
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APP. Q-4308.12.31Model risk is more
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APP. Q-4308.12.31simulation, a comp
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APP. Q-4308.12.31Policies and proce
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APP. Q-4308.12.31and complexity of
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APP. Q-4408.12.316. The adequacy of
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APP. Q-4408.12.31A. Active and Appr
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APP. Q-4408.12.31Liquidity risk mea
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APP. Q-4408.12.313. Address adminis
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APP. Q-4408.12.31of any foreign cur
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APP. Q-4508.12.31ACKNOWLEDGMENTREPU
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APP. Q-4611.12.316. The BSP reserve
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APP. Q-4611.12.31Remaining maturity
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APP. Q-4611.12.31ii. There is a cha
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APP. Q-4611.12.31iii. It does not q
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APP. Q-4611.12.31the pricing date a
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APP. Q-4611.12.31MSME exposure:a) T
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APP. Q-4611.12.31ii. Inward bills f
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APP. Q-4611.12.31charges, as will t
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APP. Q-4611.12.31guarantee to be re
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APP. Q-4611.12.31Agency INTERNATION
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APP. Q-4611.12.31purchased out of t
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APP. Q-4611.12.31that in which the
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APP. Q-4611.12.31credit rating of a
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APP. Q-4611.12.31exhausted; andd) R
Page 583 and 584:
APP. Q-4611.12.31implies that the e
Page 585 and 586:
APP. Q-4611.12.3128. A CCF of twent
Page 587 and 588:
APP. Q-4611.12.31in accordance with
Page 589 and 590:
APP. Q-4611.12.31Credit ratings of
Page 591 and 592:
APP. Q-4611.12.318. Gross income, f
Page 593 and 594:
APP. Q-4611.12.31following informat
Page 595 and 596:
GUIDELINES ON THE USE OF THE STANDA
Page 597 and 598:
APP. Q-46b08.12.31for operational r
Page 599 and 600:
APP. Q-4708.12.31Annex 1(Institutio
Page 601 and 602:
APP. Q-47a08.12.31SPECIAL DEPOSIT A
Page 603 and 604:
APP. Q-4811.12.31BASIC STANDARDS IN
Page 605 and 606:
APP. Q-4811.12.31accounts.iii. Inve
Page 607 and 608:
APP. Q-4811.12.31(b.) Identificatio
Page 609 and 610:
APP. Q-4811.12.31investment policie
Page 611 and 612:
APP. Q-4811.12.31various investment
Page 613 and 614:
APP. Q-4811.12.31accuracy and relia
Page 615 and 616:
Appendix Q-49 - Page 2Manual of Reg
Page 617 and 618:
Appendix Q-49 - Page 4Time of recei
Page 619 and 620:
APP. Q-5009.12.31j. Organizational
Page 621 and 622:
APP. Q-5111.12.31Tax DocumentsDue D
Page 623 and 624:
APP. Q-5209.12.31to ensure that ris
Page 625 and 626:
APP. Q-5209.12.31a. Risk identifica
Page 627 and 628:
APP. Q-5209.12.31vi. Commentary on
Page 629 and 630:
APP. Q-5209.12.31Details of the rel
Page 631 and 632:
APP. Q-5309.12.31GUIDELINES ON THE
Page 633 and 634:
APP. Q-5309.12.31risk profile, or d
Page 635 and 636:
GUIDELINES ON OUTSOURCING OFSERVICE
Page 637 and 638:
App. Q-5510.12.31In addition, the E
Page 639 and 640:
APP. Q-5611.31.12this Section shall
Page 641 and 642:
APP. Q-5611.31.12such creditor, deb
Page 643 and 644:
APP. Q-5611.31.12dissolved by quo w
Page 645 and 646:
APP. Q-5611.31.12may be deemed adva
Page 647 and 648:
APP. Q-5611.31.12Entity. If the liq
Page 649 and 650:
APP. Q-5611.31.128. Conduct physica
Page 651 and 652:
APP. Q-5611.31.12G. Termination of
Page 653 and 654:
APP. Q-5611.31.12Liquidator, to rec
Page 655 and 656:
APP. Q-5611.31.12information with t
Page 657:
APP. Q-57a11.12.31LIST OF DOCUMENTA
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