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NRT 2011: Micro-deposits: Regulator's Perspective - Benefits and Challenges
MICRO‐DEPOSITS

REGULATOR’S
PERSPECTIVE:
BENEFITS
&

           CHALLENGES


        GERARDO A. BUTARDO
        Deputy Director
        MSME Finance Specialist Group
        Supervision and Examination Sector
Presenta?on
Outline



•  Micro‐deposits
Defined


•  Benefits
of
Micro‐deposits


•  Challenges

Micro‐deposits
Defined

•  Circular
694
(Appendix
45,
MORB)


   – savings
deposits
that
cater
to
the
needs
of
the

     basic
sectors,
low‐income
clients
and
those
that

     are
unserved
or
underserved
by
the
financial

     system


   – appropriately
designed
and
priced

Micro‐deposits
Defined

•  General
Features


   – Minimum
opening
and
maintaining
balance
of


     P100


   – Dormancy
Charges
–
not
applicable


   – Average
daily
savings
account
balance
of
P15,000

Benefits
of
Micro‐deposits
                                     



•  Allowed
to
be
transacted
at
Micro‐Banking
Office


•  Not
limited
to
micro‐borrowers


•  Poten?al
to
reach
unbanked
popula?on


•  Micro‐depositors
as
microinsurance
clients

Challenges
                               

•  Cas?ng
the
net


•  Designing
micro‐deposit
products
that
fit
the
needs

   of
target
clients


•  Delivering
the
product

THANK
YOU



  www.bsp.gov.ph

gbutardo@bsp.gov.ph


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NRT 2011: Micro-deposits: Regulator's Perspective - Benefits and Challenges