MORNBFI Vol. 1 - Planters Development Bank

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§§ 4149Q - 4149Q.909.12.31Sec. 4149Q Conducting Business in anUnsafe/Unsound Manner. Whether aparticular activity may be considered asconducting business in an unsafe orunsound manner, all relevant facts must beconsidered. An analysis of the impactthereof on the QB’s/trust entity’s operationsand financial conditions must beundertaken, including evaluation of capitalposition, asset condition, management,earnings posture and liquidity position.In determining whether a particularact or omission, which is not otherwiseprohibited by any law, rule or regulationaffecting QBs/trust entities, may bedeemed as conducting business in anunsafe or unsound manner, the MonetaryBoard, upon report of the head of thesupervising or examining departmentbased on findings in an examination or acomplaint, shall consider any of thefollowing circumstances:a. The act or omission has resulted ormay result in material loss or damage, orabnormal risk or danger to the safety,stability, liquidity or solvency of theinstitution;b. The act or omission has resultedor may result in material loss or damageor abnormal risk to the institutions,creditors, investors, stockholders, or to theBSP, or to the public in general;c. The act or omission has caused anyundue injury, or has given unwarrantedbenefits, advantage or preference to theQB/trust entity or any party in thedischarge by the director or officer of hisduties and responsibilities throughmanifest partiality, evident bad faith orgross inexcusable negligence; ord. The act or omission involvesentering into any contract or transactionmanifestly and grossly disadvantageous tothe QB/trust entity, whether or not thedirector or officer profited or will profitthereby.The list of activities which may beconsidered unsafe and unsound is shownin Appendix Q-24.(As amended by Circular No. 640 dated 16 January 2009)§§ 4149Q.1 - 4149Q.8 (Reserved)§ 4149Q.9 Sanctions. The MonetaryBoard may, at its discretion and based onthe seriousness and materiality of the actsor omissions, impose any or all of thefollowing sanctions provided under Section37 of R.A. No. 7653 and Section 56 ofR.A. No. 8791, whenever a QB/trust entityconducts business in an unsafe and unsoundmanner:a. Issue an order requiring the QB/trustentity to cease and desist from conductingbusiness in an unsafe and unsound mannerand may further order that immediate actionbe taken to correct the conditions resultingfrom such unsafe or unsound practice;b. Fines in amounts as may bedetermined by the Monetary Board to beappropriate, but in no case to exceedP30,000 a day on a per transaction basistaking into consideration the attendantcircumstances, such as the gravity of the actor omission and the size of the QB/trustentity, to be imposed on the QB/trust entity,their directors and/or responsible officers;c. Suspension of lending or FXoperations or authority to accept new depositsubstitutes and/or new trust accounts or tomake new investments;d. Suspension of responsible directorsand/or officers;e. Revocation of quasi-banking licenseand/or trust authority; and/orf. Receivership and liquidation underSection 30 of R.A. No. 7653.All other provisions of Sections 30 and37 of R.A. No. 7653, wheneverappropriate, shall also be applicable onthe conduct of business in an unsafe orunsound manner.Q RegulationsPart I - Page 44Manual of Regulations for Non-Bank Financial Institutions
§§ 4149Q.9 - 4150Q08.12.31The imposition of the abovesanctions is without prejudice to thefiling of appropriate criminal chargesagainst culpable persons as provided inSections 34, 35 and 36 of R.A. No.7653.Sec. 4150Q Rules of Procedure onAdministrative Cases Involving Directorsand Officers of Quasi-Banks. The rulesof procedure on administrative casesinvolving directors and officers of QBs areshown in Appendix Q-35.(Next page is Part I - Page 45)Manual of Regulations for Non-Bank Financial InstitutionsQ RegulationsPart I - Page 44a
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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
Page 9 and 10: List of Appendices11.12.31No. SUBJE
Page 11 and 12: POWER OF THE BANGKO SENTRAL TO EXAM
Page 13 and 14: §§ 4101Q - 4101Q.108.12.31PART ON
Page 15 and 16: §§ 4101Q.2 - 4101Q.308.12.31c. Tw
Page 17 and 18: §§ 4101Q.5 - 4101Q.608.12.31§ 41
Page 19 and 20: §§ 4102Q.1 - 4103Q08.12.31f. The
Page 21 and 22: §§ 4108Q - 4108Q.309.12.31C. MERG
Page 23 and 24: § 4108Q.308.12.31f. Relocation of
Page 25 and 26: §§ 4114Q - 4116Q.211.12.31Sec. 41
Page 27 and 28: § 4116Q.211.12.31(xii) It must be
Page 29 and 30: § 4116Q.308.12.31examination as ap
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Page 33 and 34: § 4116Q.408.12.31m. Forward asset
Page 35 and 36: §§ 4117Q - 4119Q09.12.31to risk a
Page 37 and 38: §§ 4136Q.2 - 4136Q.408.12.31§ 41
Page 39 and 40: §§ 4136Q.4 - 4141Q.108.12.31on su
Page 41 and 42: §§ 4141Q.1 - 4141Q.308.12.31direc
Page 43 and 44: § 4141Q.308.12.31responsible for t
Page 45 and 46: § 4141Q.308.12.31practical strateg
Page 47 and 48: §§ 4141Q.4 - 4142Q11.12.31Confirm
Page 49 and 50: § 4143Q.108.12.31government agency
Page 51 and 52: §§ 4143Q.1 - 4143Q.210.12.31direc
Page 53 and 54: §§ 4143Q.3 - 4143Q.408.12.31§ 41
Page 55 and 56: §§ 4143Q.4 - 4143Q.508.12.31the f
Page 57 and 58: § 4145Q09.12.31disadvantages that
Page 59: §§ 4146Q - 4148Q08.12.31schedule
Page 63 and 64: §§ 4151Q.5 - 4160Q.310.12.31h. Bu
Page 65 and 66: § 4160Q.310.12.31or corrected cert
Page 67 and 68: §§ 4174Q - 4180Q.108.12.31to prov
Page 69 and 70: §§ 4180Q.4 - 4180Q.808.12.31direc
Page 71 and 72: §§ 4185Q.9 - 4186Q.308.12.31direc
Page 73 and 74: § 4190Q08.12.31volume of past due
Page 75 and 76: §§ 4190Q - 4190Q.408.12.31adjusti
Page 77 and 78: §§ 4191Q - 4191Q.311.12.31Sec. 41
Page 79 and 80: §§ 4192Q - 4192Q.208.12.31or subs
Page 81 and 82: §§ 4192Q.2 - 4192Q.308.12.31b. Fi
Page 83 and 84: §§ 4201Q - 4235Q.308.12.31PART TW
Page 85 and 86: §§ 4235Q.5 - 4235Q.611.12.31date
Page 87 and 88: § 4235Q.1208.12.31being sold on a
Page 89 and 90: §§ 4237Q.2 - 4237Q.308.12.31c. Th
Page 91 and 92: §§ 4239Q.4 - 4239Q.608.12.31§ 42
Page 93 and 94: §§ 4254Q - 4254Q.308.12.31capital
Page 95 and 96: §§ 4256Q.5 - 4277Q08.12.31adopted
Page 97 and 98: § 4301Q08.12.31PART THREELOANS, IN
Page 99 and 100: § 4301Q.609.12.31concentrations of
Page 101 and 102: §§ 4303Q11.12.31the payment of pr
Page 103 and 104: §§ 4304Q.110.12.31amounts and for
Page 105 and 106: §§ 4304Q.1 - 4304Q.1010.12.31exte
Page 107 and 108: §§ 4304Q.12 - 4305Q.310.12.31b. r
Page 109 and 110: §§ 4305Q.5 - 4306Q.108.12.31§ 43
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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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§§ 4320Q.4 - 4320Q.710.12.31amoun
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§§ 4320Q.12 - 4320Q.1410.12.31aga
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§§ 4322Q.1 - 4322Q.208.12.31(1) W
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§§ 4326Q - 4326Q.108.12.31No QB s
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§§ 4328Q - 4328Q.509.12.31where t
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§ 4328Q.509.12.31ceilings until th
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§§ 4330Q - 4333Q08.12.31Sec. 4330
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§§ 4336Q - 4340Q08.12.31accommoda
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§§ 4343Q.1 - 4382Q10.12.31§ 4343
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§§ 4388Q.5 - 4394Q.211.12.31a. Fi
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§§ 4394Q.3 - 4394Q.1508.12.31of t
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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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§§ 4404Q.4 - 4405Q.208.12.31§ 44
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§§ 4405Q.4 - 4405Q.508.12.31(2) S
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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.2 - 4409Q.408.12.31e. In
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§§ 4409Q.7 - 4409Q.909.12.31§ 44
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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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§§ 4409Q.17 - 4410Q.508.12.31and
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§§ 4410Q.6 - 4410Q.708.12.31Fund
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§§ 4410Q.7 - 4410Q.808.12.31In ad
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§§ 4410Q.11 - 4411Q.108.12.31§ 4
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§§ 4411Q.4 - 4411Q.708.12.31R.A.
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§§ 4411Q.9 - 4413Q09.12.31b. Fund
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§§ 4414Q.1 - 4415Q.308.12.31major
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§§ 4416Q - 4421Q09.12.31a. Invest
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§§ 4424Q - 4425Q.309.12.31obtaini
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§§ 4426Q.1 - 4428Q09.12.31activit
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§§ 4441Q.4 - 4441Q.511.12.31§ 44
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§§ 4441Q.7 - 4441Q.911.12.31docum
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§§ 4441Q.14 - 4499Q08.12.31§ 444
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§§ 4506Q - 4599Q08.12.31Secs. 450
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§§ 4601Q.1 - 4601Q.209.12.31Gover
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§§ 4611Q - 4611Q.209.12.31to, the
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§§ 4611Q.2 - 4611Q.309.12.31appli
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§§ 4611Q.6 - 4625Q.209.12.31only
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§§ 4625Q.5 - 4625Q.1408.12.31§ 4
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§§ 4651Q.1 - 4651Q.408.12.31h. Is
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§§ 4651Q.7 - 4651Q.1208.12.31Prov
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§§ 4651Q.15 - 4651Q.1908.12.31and
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§§ 4701Q - 4701Q.209.12.31PART SE
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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
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APP. Q-4611.12.31implies that the e
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APP. Q-4611.12.3128. A CCF of twent
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APP. Q-4611.12.31in accordance with
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APP. Q-4611.12.31Credit ratings of
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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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MORNBFI Vol. 1 - Planters Development Bank

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