Banking 3
Banking 3
Banking 3
Prepared By:
Bonite, Kim Kervin
Gazo, Christine Mary Joy
Iscala, Christine Mae
Pamonag, Giovanni
LLB-3B
What are Universal Banks?
Banks that have the
authority to exercise, in
addition to the powers* of a
commercial bank, powers of
an investment house and the
power to invest in non-allied
enterprises
(Notes and cases on Banking Law and Negotiable Instruments Law Vol. II, Timoteo
Aquino,2010Edition)
What is Universal Banking?
Practice of offering clients
retail banking as well as
investment services
Land Bank of the Philippines Al-Amanah Islamic Investment
ANZ Banking Group Ltd. Bank of the Philippines
Deutsche Bank AG Development Bank of the
ING Bank N.V. Philippines
Mizuho Bank, Ltd.-Manila Branch Bank of the Philippine Islands
Standard Chartered Bank BDO Unibank, Inc.
The Hongkong & Shanghai United Coconut Planters Bank
Banking Corporation China Banking Corporation
Asia United Bank Corporation East West Banking Corporation
Rizal Commercial Banking Metropolitan Bank and Trust
Corporation Company
Security Bank Corporation Philippine National Bank
Union Bank of the Philippines Philippine Trust Company
Distinct Features of a
Universal Bank
INVESTMENT HOUSE
The equity investment in any one The equity investment in any one
enterprise whether allied or non-allied enterprise shall not exceed 25% of the
shall not exceed 25% of the net-worth of the bank.
net-worth of the bank.
OPERATIONS
OF
UNIVERSAL BANKS
*Universal and Commercial Banks represent the
largest single group, resource-wise, of financial
institutions in the country.
*Retail banking
*Consumer banking (92% of total loan portfolio)
*Commercial and SME Banking
*Corporate Banking
*Global Transaction Banking
*Private Banking (Wealth Management Group)
*Digital Banking
Source: www.rcbc.com
Retail banking
CREDIT CARDS
INVESTMENT BANKING
LOANS
*Commercial Loans
*Consumer Loans
*Special Lending Facilities
PAYMENT AND SETTLEMENT
SERVICES
*Check Clearing
*Domestic Letters of Credit
*Fund Transfers
*OFW Remittance
TREASURY AND GLOBAL
MARKETS
*Foreign Exchange
*RP Bonds
*LGU Bonds
*Local Treasury Bills
*Advisory Services
TRUST SERVICES
*Trusteeship
*Agency
CORPORATE CASH
MANAGEMENT
*Collection and Receivables Services Bills
Collection
*Disbursements
*Deposit Pick Up
*Government Payment
INVESTMENT BANKING