Guidelines on the Electronic Submission of the Minimum Liquidity Ratio (MLR) Report

BANOKO SeNrneL NG} PILIPINAS OFFICE OF THE DEPUW GOVERNOR FINANCIAT SUPERVISION SECTOR MEMORANDUM NO. M-2019-@8 To : ALL STAND-ALONE THRIFT BANKS, RURAT BANKS, COOPERATIVE BANKS AND NON-BANKS WITH QUASI BANKING FUNCTIONS (NBQBsl Subject : Guidelines on the Electronic Submission of the Minimum Liquidity Ratio (M[Rf Report Pursuant to BSP Circular No. 1035 dated 15 March 2019 on the Amendments to the BASEL lll Liquidity Coverage Ratio Framework and Minimum Liquidity Ratio Framework, the following submission guidelines shall be observed for the monthly submission of the MLR report beginning reporting period ended 31 January 2OL9: 1. The updated Data Entry Template (DET), corresponding Control Prooflist (CP), and the newly prescribed Certification Form (CF) of the MLR Report can be downloaded from http://www.bsp.gov.ph/SES/reporting_templates or requested directly from the BSP-Supervisory Data Center (SDC). Attached as Annex A is the reconciliation rules of the MLR report against the Financial Reporting Package. 2. Beginning reporting period 31 March 20L9, the DET, together with the scanned CP and notarized CF duly certified and signed by the authorized officials of the reporting BSP Supervised Financial Institution (BSFI), shall be electronically submitted to the Bangko Sentral, through the Supervisory Data Center (SDC) within 15 banking days after the end of the reference month. The MLR report for reporting periods 31 January and 28 February 2019 shall be due for submission on or before 24 April 2OL9. 3. The electronic submissions shall be transmitted to the following e-mail addresses: Type of Institution E-mailAddress Thrift Banks [email protected] Rural and Cooperative Banks [email protected] Non-Banks with Quasi Banking Function sdcnbqb-m lr@ bsp.gov. ph using the prescribed format for the subject, as follows: "MLR <BSFI Name>, <Reference Period>", as illustrated below To: [email protected] Subject : MLR BSFI Nome,3l January 2019 and using the following prescribed file names and file formats: A. Mobini St., Molote 1004 Monilo, Philippines . (6321 708-7701 o www.bsp.gov.ph . [email protected]

File File Name File Format Data Entry Template MLR-reference period xls e.e. MLR-20190131 Control Prooflist MLR- refe re nce p e ri od -co ntro I pdf prooflist e.g. MLR-20L9013l-control prooflist Certification Form MLR- refe re nce pe riod-Certification pdf Form e.g. M LR-2019013 1-Certification Form 4. only one (1) DET and its corresponding cP and cF should be submitted for each applicable reporting period. submissions containing more than one (1) DET, one (1) CP, and one (L) CF will automatically be rejected and considered non-compliant with the BSP reporting standards. BSFIs that are unable to transmit electronically can submit the DET and its accompanying scanned CP and CF in compact disc (CD) or any portable storage device (e.g., usB flash drive) through messengerial or postal services within the prescribed deadline to: The Officer-ln-Charge Supervisory Data Center (SDC) Bangko Sentral ng Pilipinas 1lth Floor, Multi-Storey Building BSP Complex, A. MabiniStreet, Malate 1004 Manila 6. ln accordance with BsP Memorandum No. M-20L7-oz8 dated 11 September 2017, only electronic submissions originating from officially registered e-mail address/es of BSFIs shall be recognized and accepted by the sDc. same registered e-mall address/es shall be used by the sDC in electronically acknowledging the submitted report and transmitting the corresponding validation results. 7. Report submissions that do not conform to the above prescribed procedures shall not be accepted and thus, considered unsubmitted. lt likewise follows that only the files prescribed by the BSp for the report shall be accepted as compliant with the existing reportorial requirements subject to validation and applicable penalties for erroneous, delayed and/or unsubmitted reporting. For compliance. whql, 'ATW. ARIFA A. AtA Sector-ln-Charge w March 2019 Page 2 ol 2

Annei A Minlmum Liquidity Ratio for Stand Alone Thrift, Rural and Cooperative Banks Type of Total RIN Particulars Schedule No. Account Code/Formulation Instructions R€conciliation Amount Rule/Remarks MLRlO lash on Hand Balance Sheet 10505m000000m0m x 1.0/UNB MLR 10505m000000000m x MLR2O lank Reserves in the BSP Balance Sheet 1051505m000000000 x 1.0/UNB MLR 105150500000000000 x MLR3O )vernight and term deposits with the BSP Balance Sheet 105150700000000000 + 105150900000000000 1.0/UNB MLR 10s1s080fi)00000(n0 x MLR4O leverse repos with the BSP Schedule 12 14020(nff)00013(xn0 x 1.0/UNB MLR 14020000000013m00 x MLR5O )ebt securities representing claims on or guaranteed by the Schedufes 3, 5, 6,7 and 8 110051000000110000 + 1 10051000000130000 + 1 150010000001 10000 + x :or Schedules 6, 7 and 8, USE Net Carry 3.0/FArL )hilippine national government (NG) and the Bangko Sentral 115001000000130000 + 120001000000110000 + 120001000000130000 + \mount COLUMN. Amount in the FRP is 1250010000001100m + 125001000000130000 + 1300010C10000110000 + Ereater than or equal to MLR MLR 1230010000001700fi) x MLRSO )ebt securities representing claims on or guaranteed by Schedules 3, 5, 5, 7 and 8 1100510000(n210000 + 115001000000210000 + 120001000000210000 + x For Schedules 6, 7 and 8, USE Net Carry 3.0/FArr ;overeigns and central banks of foreign countries with external 125001000000210000 + 130001000000210fi)0 Amount COLUMN. Amount in the FRP is :redit ratings of at least AA- or its equivalent greater than or equal to MLR MLR 123001000(n0211000 x MLRTO )ebt securities representing claims on or guaranteed by Schedules 3, 5, 5, 7 and 8 110051000000300000 + 115001000000300000 + 120001000ff)030o000 + x :or Schedules 5, 7 and 8, USE Net Carry 3.0/FArL nultilateral organizations with external credit ratings of at least 125001000000300000 + 130001000000300000 \mount COLUMN. Amount in the FRP is \A- or its equivalent Ireater than or equal to MLR MLR 123001000000310000 x MLRSO )eoosit in other bank Balance Sheet r05200000000000000 x \mount in the FRP is greater than or equal 3.0/FArL :o MLR MtR t052000000fin00000 x MLR9O )n-Ealance Sheet Liabilities Balance Sheet l000m0(xxxxxxxnoo x 1.0/UNB MLR 200000000000000000 X MLRlOO iuarantees issued Schedule 38 105000000000100000 + 405000000000200000 x 1.0/UNB MtR t05000000000000000 x MLR110 rade related guarantees Schedule 38 r20000000000100000 x 1.0/UNB MLR 12000m00m0000000 x MLR120 .etters of credit Schedule 38 110050fin000100000 + 4101000000001fin00 + 415000000000100000 + x 1.0/uNB 11005m00000200000 + 4101000000002000m + 420000000000200000 MtR 11800@@000000000 x

Annei A Minimum Uouidity Ratio for Stand Alone Thrift. Rural and Cooa€rative Banks Type of Total RIN Particulats Sch€dul€ No. Account Code/Formulation lnstructiont Reconciliation Amount Rule/Remarks MLR130 )ther committed credit lines Schedule 38 125000ffX[00100000 + 42500000000020fin0 x 1.0/UNB MLR {250000ffD00000000 x MLR14O nterbank loans receivable - Net Balance Sheet 19s401000000000000 x \mount in the FRP is greater than or equal 3.0/FArL :o MLR MLR 19s4010fin000000(n MLR15O letail current and regular savings deposits Schedule 22A Z 15000000002000000+2 15fi )00000030O000O12 15000000004000000+2 150000 x \mount in the FRP is greater than or equal 3.0/FArr loo06fi XXDO|2 15000000007000000+2 15(xn0000080fi XDOI2 15fi )00000 1 100 :o MLR lm0+2 15m00m0120000m+215000000020000000+2 150O000OO25OOOOOO+21 t00qxn0300@000+2 1500000003500000G2 1s0000fl x)40fl n0O0+2 1s000000 )4500qxn+2 15UnOOOO5000000O+2 1500m000550fi noo MLR 215080000000000000 x MLR15O )eposits where the account holder has no contractual or legal Balance Sheet 215250000000000000 \mount in the FRP is greater than or equal 3.0/FArL liscretion to withdraw said deoosit or ore-terminate the account :o MLR vithin the next 30 calendar days MLR 11s2s0000000000000 x MLR170 30rrowings that are non-callable in, or have contractual maturity Balance Sheet 220100fi )0000fl )0000+295 2015000000(x)00O1295 202000000000000 x \mount in the FRP is greater than or equal 3.0/FArL Jates beyond, the next 30 calendar days :o MLR MLR 2209000000000@000 x MLR18O lbligations arising from operational expenses Balance Sheet 230500000000000000 x 1.0/uN8 MLR 230500000000000000 x Type of Reconciliation Rule 1. Straightforward rules 2. Formula Benerated rules 2.1. Same account with several columns 2.2. Combination of several accounts 3. Conditional rules