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Horizontal Analysis
Comparing financial data over different periods to identify trends and growth patterns.
Vertical Analysis
Expressing each item in a financial statement as a percentage of a base item within the same statement.
Ratio Analysis
Providing insight into various aspects of a company's performance and financial health.
Liquidity Ratios
Measuring a company's ability to meet its short-term obligations.
Solvency Ratios
Assessing a company's ability to meet long-term obligations.
Universal Banks
Commercial banks with additional authority to exercise the powers of an investment house and invest in non-allied enterprises.
Commercial Banks
Banks without the authority to exercise the powers of an investment house or invest in non-allied enterprises.
Digital Banks
Banks authorized by the BSP to operate with minimal reliance on physical touchpoints.
Prudential Regulation
Oversight by the BSP to ensure banks' solvency and liquidity through rules, standards, and corrective actions.
Capital Adequacy Ratio (CAR)
Measures a bank's available capital as a percentage of its risk-weighted assets.
Purpose of Bank Regulation
To protect depositors and ensure stability in the financial system.
Basel Accords:
Focuses on risk-based capital requirements.
Utilizes an internal risk-based approach.
Introduces the capital conservation buffer.
Government Policy Goals in Bank Regulation
Aim to promote a stable, efficient, competitive, dynamic, and responsive banking system.
Regulatory Bodies in the Philippines:
Provides oversight and conducts examinations every 12 months.
Ensures deposit insurance coverage up to P500,000 per deposit per bank.
Challenges in Bank Regulation:
Consumer Protection Standards in Banking:
Future Regulatory Changes in Banking:
Penalties for Violations in Banking:
Note
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