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Investment houses
Investment companies
Financing companies
Securities dealers and brokers
Non-stock savings and loan associations
Lending investors
Pawnshops
Building and loan associations
Fund managers for retirement, provident, and
pension funds
Types of Examination
General or regular examination undertaken
once a year
Special or interim examination conducted
as often as necessary
Special investigation conducted when a
complaint is received by the BSP
Benefits of Bank Supervision
1. Prevention of over-expansion or under-
expansion of money and credit through a
system-wide monopoly or through excessive
competition.
2. Elimination of local monopoly.
3. Protection of depositors against the
consequences of bank failures.
Purposes of Supervision and Regulation
1. To ensure the full compliance with laws, rules
and regulations affecting the operations and
activities of financial institutions.
2. To ensure that the financial institutions being
supervised and regulated are operating on a
sound financial basis (that is, they are solvent
and stable), so that their stockholders are
assured of a fair return on their capital
investment.
Purposes of Supervision and Regulation
3. To act as guardian of depositors and money
market investors to ensure that they get not
only the interests but also their deposits and
placements.
4. To protect the interest of the governments
investments.
Purposes of Supervision and Regulation
5. To protect the interest of other creditors of
financial institutions.
6. To ensure the stability , solvency, and safety of
our financial system towards the economic
development of urban and rural areas.
Thank you!