Legal Insights
Plain-language guides and case briefs on Philippine law — researched from the firm's law library of 184,000+ statutes, Supreme Court decisions, and agency issuances, and written so non-lawyers can understand and act on them.
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Suing Your Security Agency After a Robbery: The Post-Robbery Agreement Rule
When can a bank sue its security agency after a robbery? The Supreme Court explains post-robbery agreements and insurance claims.
Indirect Contempt in the Philippines: Why Proper Procedure Matters in Wage Orders
A look at how the Supreme Court ruled on procedural lapses and the validity of Wage Order No. R02-03 in Metrobank v. NWPC.
Dismissed on a Technicality: Why Following Court Procedure Is Non-Negotiable in the Philippines
A bank's petition was dismissed for missing certified true copies. Learn why procedural rules matter in Philippine courts.
Unendorsed Checks and Bank Liability: Depositor Rights in the Philippines
Philippine Supreme Court ruling on unendorsed checks, bank set-off rights, and depositor protection in banking disputes.
Strict Deadlines Matter Navigating SEC Appeals AND Corporate Liability FOR Unlicensed Brokers IN THE Philippin
When is a bank liable for breach of contract in a credit line dispute? The Supreme Court clarifies the rules on conditional loan approvals and the duty of banks to exercise prudence in dealing with re
Protecting Your Property Investments: Understanding Buyer in Good Faith in Philippine Real Estate Law
Learn how Philippine courts treat "buyer in good faith" and banks' duty of diligence in real estate transactions, based on a Supreme Court ruling.
Beyond the Title: Why Philippine Banks Must Investigate Loan Collateral Ownership
Philippine Supreme Court ruling on Omengan v. PNB clarifies banks' duty to investigate collateral ownership beyond the certificate of title.
Dation in Payment and Perfected Contracts of Sale Under Philippine Law
When is a deposit earnest money? This case explains when a contract of sale is perfected and why a bank's qualified acceptance was only a counter-offer.
Tax Clearance Not Required for BSP-Ordered Bank Liquidation in the Philippines
Supreme Court ruling: banks closed by the BSP and liquidated by PDIC need not secure a BIR tax clearance before asset distribution.
When Courts Can Compel Disclosure of Foreign Currency Deposits in the Philippines
Philippine Supreme Court clarifies when courts may compel banks to disclose foreign currency deposits despite the secrecy rule under RA 6426.
Drawee Bank Liability for Altered Checks: Material Alteration Under Philippine Law
When a drawee bank pays a materially altered check, it bears the loss. The Supreme Court explains why in Metrobank v. Cabilzo.
Bank Manager Liability for Negligence and Undue Injury Under the Anti-Graft Law
A bank manager who allowed check encashment without verifying indorsements was held liable under Section 3(e) of RA 3019 for causing undue injury.
Check Dishonor Liability: Fault Determines Who Bears the Loss
When a bank's own qualified endorsement causes a check's dishonor, it cannot recover from prior endorsers under the Negotiable Instruments Law.
Interest Rate Dynamics Determining Proper Compensation In Contractual Rescission
Learn how Philippine courts determine interest rates and compensation when contracts are rescinded, using the BPI-Family Savings Bank case as a guide.
Breach of Trust, Managerial Negligence, and the Scope of Employer Prerogative in Dismissal
When can a bank dismiss a manager for loss of trust and confidence? The Supreme Court clarifies the rule on managerial negligence.
Can an Employee Be Denied Retirement Benefits for Breach of Trust?
The Supreme Court rules on whether a bank manager validly dismissed for breach of trust can still claim retirement benefits after his compulsory retirement date had passed.
Good Faith Mortgage vs Forged Title: Protecting the True Property Owner's Rights
Can a bank keep a mortgage on property bought through a forged deed? The Supreme Court clarifies the true owner's remedies.
Bank Set-Off Rights: Limits and Liabilities in Loan Agreements
Philippine Supreme Court ruling on when banks may validly offset deposits against loans, and the limits of contractual set-off rights.
Tax Exemptions for Philippine Airlines: Understanding the "In Lieu of All Other Taxes" Provision
The Supreme Court ruled that PAL's franchise tax option exempts it from all other taxes, including the 20% final withholding tax on bank deposits.
Gross Receipts TAX THE Inclusion OF Final Withholding TAX IN Banks Taxable Income
Gross Receipts Tax: Final Withholding Tax Included in Bank's Tax Base
Supreme Court rules 20% final withholding tax on bank passive income forms part of gross receipts for computing 5% gross receipts tax.
Cashier's Checks and Bank Insolvency: When a Holder's Claim Is Not a Preference
A depositor's unpaid cashier's checks from a failed bank are disputed claims in liquidation, not automatic preferences. The Supreme Court explains why.
Altered Checks and Bank Liability: Material Alterations Under the Negotiable Instruments Law
Explaining when a check alteration is material under the NIL, and the liability of drawee banks for returning altered checks.
MCIT Grace Period for Reopened Banks: The Manila Banking Corporation Ruling
Supreme Court clarifies when a bank that reopens after receivership starts its four-year MCIT grace period under the Tax Code.