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NRT 2011 - Recent BSP Regulations: Opportunities for Rural Banks
Recent
BSP
Regula.ons:

        Opportuni.es
for
Rural
Banks



                        Pia
Bernade9e
Roman
Tayag

                    Inclusive
Finance
Advocacy
Staff

                          Bangko
Sentral
ng
Pilipinas


         RBAP‐MABS
Na.onal
Roundtable
Conference

                                    23
May
2011

Save



                                      Invest

•  Microentrepreneur
      Borrow
   living
in
Baggao,


   Cagayan

•  1st
class
municipality
          Send/
   with
no
banking
office
            Receive    Expensive

•  She
is
one
of
the
               Money
                                               Unsafe

   73,000
living
in
the

   town
                                       Time
Consuming

                               Pay Bills
•  She
manages
a
small
                        Unsustainable

   sari‐sari
store
business

How
do
Recent
BSP
Regula.ons
Allow
Banks
to

Address
this
Market
Need?


•  Wider
Range
of
Products

•  Expanded
Physical
Network

•  Expanded
Virtual
Reach

•  Lower
Barriers
in
Customer
Acquisi.on

Wide
Range
of
Products

•  Circular
694,
Notes
on
Microfinance

    – Microfinance
Loans

       • Microenterprise
Loans

       • Housing
Microfinance
Loans

       • Micro‐Agri
Loans

    – Microfinance
Savings
Deposit
Account

    – Microinsurance

Opportunity
for
Rural
Banks

•  Become
more
responsive
to
the
wide
range
of
client

   needs

•  Increase
the
microfinance
client
base

•  Provide
microinsurance
products
which
were

   previously
an
exclusive
domain
of
large
universal
and

   commercial
banks

•  Diversify
income
streams

Expanded
Physical
Network

•  Circular
694,
Establishment
of
Micro‐banking
Offices

   (MBOs)

    – Addresses
obstacles
in
establishing
bank
offices

       • Rela.vely
low
cost
(i.e
low
infrastructure,
no

         theore.cal
capital
needed)

       • Need
not
be
a9ached
to
a
microfinance
bank
or

         branch


       • Viable
in
light
of
complete
range
of
product

         offerings

Expanded
Physical
Network

•  Circular
694,
Establishment
of
Micro‐banking
Offices

   (MBOs)

    – Expands
the
products
and
services
that
can
be

      offered

      •  Micro‐loans


      •  Micro‐deposits

      •  Check
deposits
of
exis.ng
microfinance
clients

      •  Microinsurance

      •  E‐money
Conversion

      •  Collec.on/
Pay
out
of
benefits
from
government

      •  U.lity
payments

      •  Purchase
of
foreign
currency

Expanded
Physical
Network

•  Circular
694,
Establishment
of
Micro‐banking
Offices

   (MBOs)

    – Provides
requirements
propor.onate
to
the
level

      of
ac.vity

       • Demonstra.on
of
bank
strength

       • Clear
reason
and
plan
for
the
establishment
of

         MBOs

Opportuni.es
for
Rural
Banks

•  Set
up
presence
in
areas
which
were
too
expensive
to

   serve
(i.e.
hard‐to‐reach,
etc.)

•  Capture
savings
in
areas
which
were
previously
not

   reached
through
opening
of
micro‐deposit
accounts

•  Increase
value
to
exis.ng
clients

•  Lower
costs
of
servicing
exis.ng
clients

•  Entertain
other
non‐bank
customers
which
can

   eventually
become
bank
clients
(i.e.
bills
payment,

   foreign
exchange,
etc.)

•  Possible
opportunity
as
CCT
pay‐out

Expanded
Virtual
Reach


•  Circular
649,
Electronic
Money
Circular

    – Defines
electronic
money

    – Allows
the
establishment
of
e‐money
issuers

      (whether
bank
or
non‐bank)

    – Provides
the
pladorm
for
an
efficient
retail

      payments
pladorm

    – Fosters
the
establishment
of
a
ubiquitous
agent

      network

Opportunity
for
Rural
Banks

•  Develop
linkages
with
e‐money
issuers.
As
clients
can

   transact
remotely
through
the
e‐money
pladorm,

   banks:

    – Increase
value
of
service
to
clients

    – Increase
efficiency

    – Lower
costs

•  With
exis.ng
clients,
develop
an
e‐money
ecosystem

   in
the
local
community

•  Expand
and
reach
more
clients

Expanded
Virtual
Reach

•  Circular
704,
Electronic
Money
Network
Service

   Providers

    – Recognizes
the
poten.al
of
E‐money
as
an
efficient

      retail
paymentc
channel

    – Recognizes
that
the
E‐Money
business
has

      specialized
opera.onal
and
technological

      requirements

    – Allows
en..es
that
want
to
be
EMIs
to
outsource

      to
EMNSPs


Expanded
Virtual
Reach

•  Circular
704,
Electronic
Money
Network
Service

   Providers

    – Allows
the
outsourcing
of
automated
systems,

      network
infrastructure
and
network
of
agents

    – Establishes
clear
outsourcing
rules
and

      arrangements

Opportunity
for
Rural
Banks

•  Become
an
E‐Money
Issuer
without
inves.ng
in
the

   en.re
network
infrastructure


•  By
outsourcing
to
an
EMNSP,
banks
will
be
able
to:

    – Use
the
wide
agent
network
established
by
the

      EMIs

    – Convert
E‐money

    – Use
E‐money
for
the
payment
for
goods/
services

    – Transfer
funds
from
one
electronic
wallet
to

      another

Lower
Barriers
to
Customer
Acquisi.on

•  Circular
706,
Updated
An.‐Money
Laundering
Rules

   and
Regula.ons

    – Provides
scope
for
banks
to
have
a
risk‐based
and

      .ered
system
of
classifying
customers

    – Establishes
a
framework
for
applying
reduced,

      average
and
enhanced
due
diligence
based
on
the

      type
of
customer
as
well
as
for
customer

      acceptance,
reten.on
and
iden.fica.on
process

      and
record
keeping

Lower
Barriers
to
Customer
Acquisi.on

•  Circular
706,
Updated
An.‐Money
Laundering
Rules

   and
Regula.ons

    – Allows
the
outsourcing
or
relying
on
a
third
party,

      the
following:

       • Face‐to‐face
requirement

       • Gathering
of
informa.on
and
documents

    – Uses
the
liberalized
list
of
accepted
IDs

Opportuni.es
for
Rural
Banks

•  Classify
transac.ons,
based
on
appropriate

   framework,
small
value
transac.ons
as
low
risk

•  Lower
cost
in
acquiring
customers

•  Less
physical
barriers
in
reaching
and
serving
new

   markets

•  Decreased
transac.on
cost
in
customer
reten.on
and

   record
keeping,
par.cularly
for
microfinance.

•  Increased
opportunity
in
remi9ance
business





The
opportuni,es
are
here
for
the
taking.
Strong

and
stable
rural
banks
are
well
posi,oned
to
seize

them.


End
of
Presenta.on.



THANK
YOU.



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