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  1. Join Date
    Oct 2002
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    19,512
    #2951
    And what did Security Bank do naman to increase its profits?
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  2. Join Date
    Oct 2002
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    34,040
    #2952
    Quote Originally Posted by boybi View Post
    And what did Security Bank do naman to increase its profits?
    I think mas conservative sila sa loans.


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  3. Join Date
    Oct 2002
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    #2953
    Quote Originally Posted by shadow View Post
    I think mas conservative sila sa loans.


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    Pero nag increase ang profit nila, so this does not have anything to do with being conservative sa loans.

    Pwede siguro dahil binaba ng BSP ang rate, and these banks did not pass on the lower interest rates to their clients?
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  4. Join Date
    Nov 2005
    Posts
    34,816
    #2954
    isa ung net interest margin

    ung charge nila sa loans mataas parin kahit nagbaba ng interest rate ang BSP

    at dahil nagbaba ng interest rate ang BSP binaba ng mga bangko ang interest paid to depositors

    so mas maliit ang gastos nila lumaki ang net interest margin

    -

    maari security bank and other banks didn't have to set loan loss provisions as large as BDO and MBTC kaya di kasing laki ang kinain sa profit nila

  5. Join Date
    Nov 2005
    Posts
    34,816
    #2955
    just look at how big binaba ng interest sa time deposit

  6. Join Date
    Oct 2002
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    #2956
    Quote Originally Posted by uls View Post

    -

    maari security bank and other banks didn't have to set loan loss provisions as large as BDO and MBTC kaya di kasing laki ang kinain sa profit nila
    Yan nga dahilan. Aggressive naman talag bdo and Metro sa mga loans eh, the bigger the bank the bigger he exposure.


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  7. Join Date
    Nov 2005
    Posts
    34,816
    #2957
    yes silang dalawa ang pinakamalaki

    they have the most loans on their books so they had to set aside very large loan loss provisions which ate into their profits

  8. Join Date
    Oct 2002
    Posts
    19,512
    #2958
    Should depositors be worried with BDO and Metrobank?

    Generally, how's the banking industry doing now during pandemic and economic lockdowns, both here in the Philipplines and internationally?
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  9. Join Date
    Nov 2005
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    34,816
    #2959
    Quote Originally Posted by boybi View Post
    Should depositors be worried with BDO and Metrobank?

    Generally, how's the banking industry doing now during pandemic and economic lockdowns, both here in the Philipplines and internationally?
    concern ko din yan... in March/April i was expressing concern about the health of banks coz worried ako in advance na madami di makakabayad ng utang

    pero i think hindi naman pababayaan ng Bangko Sentral na meron mag fail na big bank

    ung mga rural bank ok lang pero ung mga size ng BDO and MBTC i don't think they'll be allowed to fail

    same thing with major international banks

    their central banks won't let them fail

  10. Join Date
    Sep 2003
    Posts
    21,866
    #2960
    May profit naman Metrobank and BDO. Metrobank still made more than Security bank...

    Net income of the Ty familyís Metrobank retreated 30 percent P9.3 billion.

    The Aboitiz familyís Union Bank of the Philippines posted a six percent drop in profit to P4.504 billion.

    The biggest losers were Lucio Tanís Philippine National Bank (down 65 percent to P1.357 billion net income) and BDO (down 79 percent to P4.3 billion).

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