COMMERCIAL BANK SERVICES

Individual Banking

Institutional Banking

Global Banking

CLASSIFICATION:

Individual Banking

Provision of the bank services intended for individual customer

Institutional Banking

• offers a comprehensive suite of products and services for large institutions both locally and abroad.

• deals with the relationship with banks, financial institutions, security houses, insurance companies, asset management companies and other non-bank finance companies, private equity and venture funds.

Global Banking

covers a broad range of activities involving corporate financing and capital market and the foreign exchange products and services. 

#THROWBACK

GLASS-STEAGALL ACT

1993Sponsored by Senator Cartel

Glass and Senator Henry Steagall

GRAMM-LEACH ACT

1999Also known as

Financial Service Modernization Act

BANK FUNDING

• DEPOSITS

• NON-DEPOSIT BORROWING

• COMMON STOCK ANDRETAINED EARNINGS

Sum of money placed or kept in a bank account that usually gain interest• Time deposits• Demand deposits• Money market demand account

TERMS RELATED TO NON-DEPOSIT BORROWING

RESERVE RATIO A Percentage requirements determine

by the country’s central bank

REQUIRED RESERVE Depositors balances bank requirements

that must have.

TRANSACTION DEPOSITSUse directly as cash without

withdrawal limits

NON TRANSACTION DEPOSITSE.G.

Savings and Time deposits

COMPUTATION PERIODITS ACTUALLY ESTABLISHED WITH IN

TWOWEEK PERIOD

DISCOUNT RATEInterest rate

Given by Federal reserve bankEXAMPLE

Money center banks raise most of their funds from the domestic and international markets

Regional Bank one that relies primarily on the deposits

for funding

Super Regional Banks mergers of large regional banks with

other regional banks have formed

Federal Fund market market where banks borrow or lend

reserves

Federal funds rate interest charge to borrow funds in

federal funds market.

BDI₱100 M

₱5 M

FEDERAL RESERVE BANK

Reserve Requirement

SETS MINIMUM AMOUNT THAT BANK MUST HOLD IN

RESERVE TO GUARDAGAINST BANK FAILURE

BDOMETRO BANK

BPILANDBANK

UNION BANKDEVELOPMENT BANK OF THE PHILIPPINES

RIZAL COMMERCIAL BANKING CORPORATIONCHINA BANK

SECURITY BANKPHILIPPINE NATIONAL BANK

TOP TEN COMMERCIAL BANK OF THE PHILIPPINES