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APP. Q-4708.12.31GUIDELINES FOR TRUST DEPARTMENTS’ PLACEMENTS IN THE SPECIALDEPOSIT ACCOUNT FACILITY OF THE BANGKO SENTRAL(Appendix to Subsec. 4409Q.2)The following are the guidelinesgoverning the trust deparments’ placementsin the SDA facility of BSP.1. Access to the subject BSP facilityshall be granted upon receipt by the BSPTreasury Department (BSP-TD) of a letterof request (Appendix 78 Annex 1) foraccount opening together with the followingrequirements:a. Internal approvals allowing the trustdepartment to invest in the BSP SDAfacility;b. A list of authorized signatories;c. A list of authorized traders; andd. Contact details for the front and backoffices.2. The trust department shall use adepository institution that is a PhilPASSmember when placing its funds in the SDAfacility. On transaction date, the trustdepartment shall instruct said depositoryinstitution to debit their account in favor oftheir SDA with the BSP. Similarly, the trustdepartment shall specify a PhilPASSmember to which its principal and interestwill be credited at maturity of the SDAplacement.3. Trading hours shall be from I0:00am to 3:00 pm for all business days. Alltrades shall settle on trade date.4. Applicable tenors and pricing shallbe based on published rates (i.e., inBloomberg’s CBPHI and Reuters BANGKOpage).5. The existing tiering scheme, asdetailed below shall be applied to the SDAplacements of the trust departmentsseparately from the placements of their bankproper.Tier Tiered RateAmounts less than or BSP published rateequal to P5.0 billionTier Tiered RateAmounts in excess of BSP published rate lessP5.0 billion up to 2%PI0.0 billionAmounts in excess of BSP published rate lessPI0.0 billion 4%6. The minimum placement is P10.0million with the additional amounts inincrements of PI .0 million.7. Trust departments may place onlyonce per tenor per day8. Trust departments may preterminatetheir SDA placements, either fullyor partially. If the holding period of the SDAplacement when it is rate pre-terminated isless than fifty percent (50%) of the originaltenor of the said placement, the applicableinterest rate for the pre-terminated amount willbe the rate dealt on value date less two percent(2%) p.a. If the holding period is fifty percent(50%) or more of the original tenor, theapplicable interest rate for the pre-terminatedamount will be the rate dealt on value dateless one percent (1%) p.a. The pre-terminationrate shall apply only to the amount preterminated.9. The income from the SDA is subjectto a twenty percent (20%) final withholdingtax10. Depository institution shallgenerally follow the existing settlementprocess for SDA placements with BSP ofQBs. The trust department will be requiredto send the transaction confirmation directlyto the BSP-TD back office. A sampleconfirmation is attached as Appendix Q-47Annex 1 and Annex 2.11. Trust departments may request astatement from the BSP-TD for theiroutstanding SDA placement as of a specifieddate.(M-2007-011 dated 08 May 2007)Manual of Regulations for Non-<strong>Bank</strong> Financial Institutions Q RegulationsAppendix Q-47 - Page 1
APP. Q-4708.12.31Annex 1(Institution’s Letterhead)Date:_____________________Mrs. Ma. Ramona GDT SantiagoManaging DirectorTreasury DepartmentBangko Sentral ng PilipinasDear Madam:Pursuant to Monetary Board Resolution Nos. 433 and 518 dated 19 April 2007 and03 May 2007, allowing trust departments to place their funds in the BSP’s Special DepositAccount (SDA) facility, the trust department of (name of institution) respectfully request thecreation of an account for the said facility.Please find attached the following documents, as required:a. Internal approvals allowing the trust department to invest in the SDAfacility;b. A list of authorized signatories;c. A list of authorized traders; andd. Contract details for the front and back offices.For your kind attention.Very truly yours,__________________________(AUTHORIZED SIGNATORY)1__________________________(AUTHORIZED SIGNATORY)2Q RegulationsAppendix Q-47 - Page 2Manual 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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§§ 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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§ 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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§§ 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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§§ 4306Q.5 - 4307Q.108.12.31(5) B
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§§ 4307Q.2 - 4309Q.108.12.31state
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§§ 4320Q.1 - 4320Q.210.12.31penal
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§§ 4326Q - 4326Q.108.12.31No QB s
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§ 4328Q.509.12.31ceilings until th
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§§ 4330Q - 4333Q08.12.31Sec. 4330
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§ 4394Q.1508.12.31(3) Relationship
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§§ 4401Q - 4403Q11.12.31PART FOUR
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§§ 4403Q - 4404Q.308.12.31which c
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§§ 4405Q.6 - 4406Q.108.12.31Depar
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§§ 4406Q.2 - 4406Q.409.12.31desig
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§§ 4407Q - 4408Q09.12.31of a debt
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§ 4408Q.908.12.31P30,000 a day on
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§ 4409Q.909.12.31under one (1) liv
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§§ 4409Q.16 - 4409Q.1708.12.31f.
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§§ 4411Q.9 - 4413Q09.12.31b. Fund
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§§ 4601Q.1 - 4601Q.209.12.31Gover
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§§ 4611Q.6 - 4625Q.209.12.31only
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§§ 4651Q.15 - 4651Q.1908.12.31and
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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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§§ 4921Q - 4931Q.208.12.31g. Deli
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§ 4931Q.208.12.31(2) The assessmen
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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-e08.12.31principals. 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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Page 555 and 556: APP. Q-4611.12.316. The BSP reserve
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Page 569 and 570: APP. Q-4611.12.31charges, as will t
Page 571 and 572: APP. Q-4611.12.31guarantee to be re
Page 573 and 574: APP. Q-4611.12.31Agency INTERNATION
Page 575 and 576: APP. Q-4611.12.31purchased out of t
Page 577 and 578: APP. Q-4611.12.31that in which the
Page 579 and 580: APP. Q-4611.12.31credit rating of a
Page 581 and 582: 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: APP. Q-46b08.12.31for operational r
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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MORNBFI Vol. 1 - Planters Development Bank

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