Reports
Discussion Papers
No.468 The Asset/Liability Structure of the Philippine Banks and Non-Bank Financial Institutions in 2000s: A Preliminary Study for Financial Access Analyses
April 2014
ABSTRACT
Based
on
the
consolidated
statements
data
of
the
universal/commercial
banks
(UKbank)
and
non-bank
financial
institutions
with
quasi-banking
licenses,
this
paper
presents
a
keen
necessity
of
obtaining
data
in
detail
on
both
sides
(assets
and
liabilities)
of
their
financial
conditions
and
further
analyses.
Those
would
bring
more
adequate
assessments
on
the
Philippine
financial
system,
especially
with
regard
to
each
financial
subsector’s
financing/lending
preferences
and
behavior.
The
paper
also
presents
a
possibility
that
the
skewed
locational
and
operational
distribution
exists
in
the
non-UKbank
financial
subsectors.
It
suggests
there
may
be
a
significant
deviation
from
the
authorities’
(the
BSP,
SEC
and
others)
intended/anticipated
financial
system
in
the
banking/non-bank
financial
institutions’
real
operations.
Keywords:
credit
channel,
financial
intermediaries,
non-bank
financial
institutions
JEL
classification:
E42,
E52,
G38
Please note that discussion papers are works in various stages of progress and most have not been edited and proofread and may contain errors of fact or judgment. Revised versions of these papers may subsequently appear in more formal publication series. The views expressed in this publication are those of the author(s). The IDE does not guarantee the accuracy of the data included and accepts no responsibility for any consequences arising from its use.