Deposit Insurance and Financial

Stability

Outline
- What PDIC is about
- Road Map
- Structure of the Banking System
- Going Forward

The Functions of PDIC

1. Depositor Protection through Deposit
Insurance
2. The Management of the Deposit
Insurance Fund
(DIF)
3. Bank Examination and Resolution
4. Receivership and Liquidation of closed
banks
5. Financial Stability and Public Awareness

PDIC Roadmap 2016

I.
to
or

Early detection of bank weaknesses and fraud

prevent bank failure especially through fraud
mismanagement

II.
the

Strengthening the organization and enhancing

financial and service capabilities of PDIC

III.

Legislative agenda to pursue CBLA

IV.

Public Engagement

V.

Liquidation of non financial assets

II.

Strengthening the organization

enhancing the PDICs financial
service capabilities

and
and

Business Process Reviews to constantly adapt to the

challenges
to
deposit insurance and financial
stability
Maintain a robust organizational framework including
hiring, career pathing and training policies
IADI Core Principles

III. Legislative agenda: Closed Bank

Liquidation Act (CBLA)

Comprehensive law to govern the Takeover, Liquidation

and Winding-Up of closed banks

Seamless transition through removal of the 90-day

receivership period will be provided

Purchase and Assumption and Bridge Banking will be

provided as additional modes of liquidation

PDICs authority on the Liquidation Process will be

defined

Certain Exemptions to 1405

IADI Core Principle No. 12

In order for a deposit insurance system
to be effective it is essential that the
public be informed on an on-going basis
about the benefits and limitations of the
deposit insurance system.

www.pdic.gov.ph
Information
Dissemination
Website

Oversight on Interest Rates on

Deposits

Banking Industry Structure, by Area

As of December 31, 2011

Banking Industry Structure, by Island

As of December 31, 2011

Philippine Banking System

Total Deposits as of March 2012

Philippine Banking System

Total Deposits, by Size of Accounts

Take on the Presentation

Global & Technological Developments are
shaping the Industry and Regulation.
Overhead and economies of scales and process
management are very important.
Information is very important.
PDIC at your service.