Amendments to the Manual of Regulations for Banks and Manual of Regulations for Non-Bank Financial Institutions as of 31 December 2015

BANOKO SENTRAL NG PILIPINAS OFFICE OF TI{E GOVERNOR ctRcuLAR NO. e17 Series of 2016 Subject: Amendments to the Manual of Regulations for Banks and Manual of Regulations for Non-Bank Financial Institutions as of 31 December 2015 The Monetary Board, in its Resolution No. 1043 dated 9June 201.6, approved the following additions/revisions to the Manual of Regulations for Banks {MORB) and Manual of Regulations for Non-Bank Financial Institutions (MORNBFI) as of 31 December 2015. Section 1. Subsection X108.4 [SPRB Plus and Strengthening Program for Cooperative Bank (SPCB) Plusl is amended to reflect the revival of the expired SPCB Plus. '5 X108.4 SPRB Plusr ond Strengthening Progrdm Ior Cooperative Bonks ISPCB) P/us. As a supplement to the SPRB, the SPRB Plus, which became effective on 02 August 2OL2 and shall be availabfe up to 3l- December 20L4, contains the following enhanced features: a. inclusion of TBs, xxx XXX The SPRB Plus Framework is shown in Appendix 94a. The SPCB Plus, which replaced the SPCB (Strengthening Program for Rural Banks [SPRB] Module ll) became effective on 16 September 2013 and shall be available up to 17 September 201"42. lt has generally the same framework as the SPRB Module ll, with the following en ha ncem ents/a men d ments: XXX,, 1 The Bangko Sentral and the PDIC signed the SupplementalAgreement to implement the SPRB Plus aimed at strengthening the thrift and rural banking industry to effectively serve the countryside and improve the delivery of financial services to rural communities. 2 The availability period for SPCB Plus was extended until 17 September 2015 (CL-2015-029 dated 05 May 2015). This shall again be available for one (1) year from 30 September 2015 until 30 September 2016, subject to the same terms and conditions of the existing program, unless otherwise jointly amended by the Bangko Sentral, PDIC and LBP (CL-2015-057 dated 05 November 201.5). A. MabiniSt., Malate 1004 Manila, Philippines o (632) 708-77-01.www.bsp.gov.pho [email protected]

Section 2. New appendices shall be added to the MORB and MORNBFI to incorporate the following guidelines: a. Appendix 113a (Consolidated Program for Rural Banks) of the MORB to include the lmplementing Guidelines for the Consolidated Program for Rural Banks provided under Memorandum No. M-2015-043 dated 11 December 201-5; and b. Appendix Q-67 (Regulatory Relief for Non-Bank Financial Institutions with Quasi-Banking Functions [NBQBs] Affected by Calamitiesl) of the MORNBFI to summarize the Regulatory Relief for Quasi-Banks affected by typhoons2 {Annex A). Section 3. Appendix 89 (Regulatory Relief for Banks affected by Calamities) of the MORB is amended to add the grant of regulatory relief to covered regions affected by typhoon "Lando" pursuant to Memorandum No. M-2015-039 dated 04 November 2015 (Annex B). Section 4. The following Sections/Appendices of the MORB/MORNBFt are amended to change "Centralized Applications ond Licensing Group (CALG)" to "appropriate department of the SES"; a. Item c of Sec. 2404/3404 (Grant of Authority to Engage in Limited Trust Business to Thrift/Rural Banks) b. Item (3) of Sec. X611/Sec 4611Q (Derivatives) c. Section 3. ltem 2 of App. 38 (Rules and Regulations for Cooperative Banks) d. Last paragraph of App. 93 (Processing Guidelines for Microfinance Other Banking Offices or Microbanking Offices) Section 5. Appendix 6 (Reports Required of Banks) of the MORB is amended to change certain titles of report and add relevant e-mail address in line with the provisions of Circular No. 895 dated L4 December 20153 and Memorandum No. M-20L5-042 dated 02 December 201-54. The affected reports are listed in Annex C. 1 To align with the summary of regulatory reliefs of banks which was incorporated in the Manuals. Typhoon Lando M-2015-039 dated 04 November 2OL5; Typhoons Luis and Mario - M-2014-039 dated 01 October 2014; Typhoon Ruby - M-2015-005 dated 20 January 2015; Typhoon Seniang - M-2015-009 dated 28 January 2015. J Guidelines on Related Party Transactions 4 Guidelines on the Submission of Bank Quarterly Report on Residential Real Estate Loans (RRELs) for the Generation of the Residential Real Estate Price Index (RREPI) Page 2 ot 4

Section 6. Sections X66I/466LQ and X145 of the MORB/MORNBFI are hereby amended to reflect as footnotes the Transitory Provisions of Circular Nos. 891 dated 09 November 2015 and 895 dated 14 December 20L5, respectively. a. "Section X661/4661Q Sales and Marketing Guidelines for Financial Productsl. Ge n e ro I Pri nci pl es. xxx XXX,, 1 BSFIs shall be given three (3) months from 28 November 2015 to make appropriate changes in their sales and marketing policies, processes and materials in order to comply with the requirements of Sec. X661/4661Q as well as Subsecs.X66l.t/4667Q.1 to X661.8/4661Q.8. b. "Sec. X146t 12014 - Profit Shdring Programl Policy Statement. XXX,, l Banks including their Fl subsidiaries and affiliate shall be given six (5) months from 06 January 2016 to comply with the Related party transaction (RPT) requirements prescribed in Sec. X146 as well as Subsecs. X146.1 to X146.5. Section 7. Subsec. X156.1 of the MORB and Appendix T-2a of the MORNBFI are amended to correct the cross-references to reflect appropriate Subsection/Appendix of the MORB: a. "S X156.1 Banking hours beyond the minimum; banking services during holidays. Banks ffi?v, at their discretion, remain open beyond the minimum six (6) hours and for as long as they find it necessary, even before 8:00 AM or after 8:00 PM, subject to the submission of prior written notice required under Subsec. X156.2 on report of, and changes in, banking days and hours, and compliance with the provisions of Subsecs. X156.3 on posting of schedule of banking days and hours, and X181.5 on minimum security measures. XXX,, b. App. T-2a of the MORNBFI "Aggravating and Mitigating Factors to be Considered in the lmposition of Penalty L. Aggravating Factors: XXX (1) Substantial actual loss - xxx

(2) Minimal actual loss or substantial risk of loss - xxx. While a loss was incurred, the trust corporation could absorb the loss in the normal course of business. Substantial risk of loss includes any potential losses the aggregate of which amounts to at least one percent (l%l of the capital of the trust corporationl. xxx" ' f-t"r ff f. (b) Appendix Q-30 provides that external auditors of trust entities must report to BSP, among others, any potential losses the aggregate of which amounts to at least one percent (1%) of the capitalto enable the BSP to take timely and appropriate remedial action. Section 8. Sections 2172 and 3L72 of the MORB are updated to reflect the lnsurance Commission Circular-Letter No. 2OL5-54 requiring the adoption and implementation of the Enhanced Microinsurance Regulatory Framework. a. "Sec. 2172 Marketing, Sale and Servicing of Microinsurance Products by Thrift Banksl. xxx XXX,, b. "Sec. 3172 Marketing, Sale and Servicing of Microinsurance Products by Rural and Cooperative Banks2. xxx XXX,, adoption and implementation of the Enhanced Microinsurance Regulatory Framework -",|."".*"c'"mission(|C)issuedCircularLetter(CL)No.2015-54dated16october2015requiringthe FOR THE MONETARY BOARD: dh,.nl AMANDYM. TETANG / Governor f ,u,,,o*

ANNEX A APP. Q-67 15.12.31 REGULATORY RELIEF FOR BANKS/NBQBS AFFECTED BY CALAMITIES (Footnote to Secs. 4192Q.2, 4306Q and 4257Q) The Monetary Board approved the grant dates specified in ltem "//" of Annex A of temporary regulatory relief to banks with provided these reserve deficiencies can be head offices and/or branches located in the shown to be calamity related as certified by areas listed in ltem "/" of Annex A hereof the bank, rather than due to pre-existing which were devastated by calamities. condition; Thetemporary relief shallbe in theform d. Moratorium without penalty on of the following whenever applicable: monthly payments due to the Bangko Sentral until the respective dates specified in ltem For TBs/ RBs/Coop Banks/NBQBs "ll" of Annex A for NBQB with ongoing a. During a temporary grace period for rehabilitation programs upon filing of payment or upon their restructuring and appl ication for extension/reschedu I i ng; subject to reporting to the Bangko Sentral, e. For all types of credits extended to exclusion of the loans of borrowers in individuals and businesses directly affected affected areas, which should have been by the calamity, allowing, subject to Bangko reclassified as past due loans under Sec. Sentral prior approval, the booking of X306 on the dates specified in ltem "ll" of allowances for probable losses on a Annex A and those maturing up to the dates staggered basis over a maximum period of indicated in ltem ull" of Annex A, from five (5)years on loans outstandingas of dates computation of past due loan ratio: specified in ltem 'll" of Annex A; P rovided, That Bangko Sentral documentary f. Non-imposition of monetary penalties requirements for restructuring of loans for fordelays in the submission of all supervisory this purpose are waived: Provided, further, reports due to be submitted within the That bank will adopt appropriate and inclusive dates specified in ltem "//" of Annex prudent operational controls;1 A;2 and b. Reduction of the five percent (5%) g. Allowing banks to provide financial general loan loss provision to one percent assistance to their officers and employees (1 %) for restructured loans to borrowers in who were affected by the calamity even if affected areas within the inclusive dates not within the scope of the existing Bangko specified in ltem "ll' of Annex A; Sentral-approved Fringe Benefit Program c. Non-imposition of penalties on legal (FBP) subject to subsequent submission of reserve deficiencies of RBs/TBs/Coop Banks request for approval of the amendment to with head office and/or branches in the FBP to the appropriate supervision and affected areas incurred within the inclusive examination department for regularization2. ffihheadofficesand/orbranches|ocatedinZamboangaCityaffectedbythearmed assault/stand- off from 9 September to B November 2013; Provided, That the bank shall maintain appropriate records on the said loan transactions and pass on such regulatory-relief measure to their borrowers. z llem "g" also covers UBs/KBs affected by Luis, Mario, Ruby, Seniang and Lando. Manual of Regulations for Non-Bank Financial Institutions Appendix Q-67 - Page 1

APP. Q-67 15.12.31 For All Rediscounting Banks end-user borrowers affected by the calamity, a. Upon application, granting of a subject to the terms and conditions stated 60-day grace period to settle the in the implementing guidelines provided in outstanding rediscounting obligations as Item "///" of Annex A. of the dates specified in ltem "//" of Annex For RBs and Coop Banks affected by the A with the Bangko Sentral of all El Nino Phenomenon rediscounting banks with head office, or c. Allow the affected RBs and Coop with branches or with end-user borrowers Banks up to 31 May 2010 to apply for a in the affected areas except those with special rediscounting line and up to serious violations or findings with the SES; 31 December 2010 to avail themselves of and such line. Loans availed by affected RBs and b. ln addition to above, allow the Coop Banks under the special rediscounting rediscounting banks to restructure with the lines are subject to renewal based on the Bangko Sentral, on a case-to-case basis the original term of the loans but not to exceed outstanding rediscounted loans of their five years; Appendix Q-67 - Page 2 Manual of Regulations for Non-Bank Financial Institutions

APP. Q-57 15.12.31 Annex A LIST OF AREAS COVERED BY THE REGULATORY RELIEF; INCLUSIVE DATES OF COVERACE; AND IMPLEMENTINc CUIDELTNES ON THE RESTRUCTURING SCHEME (Footnote fo Secs. 4192Q.2, 4306Qand 4257Q) l. Areas that were Declared under State of c. Region lV-A: Batangas, Cavite, Calamity: Laguna, Quezon, Rizal d. Region lV-B: Marinduque, LUIS AND MARIO Occidental Mindoro, Oriental Mindoro, a. National Capital Region (NCR): Palawan, Romblon Caloocan City, Las Pinas City, Malabon City, e. Region V: Albay, Camarines Norte, Mandaluyong City, Manila, Marikina City, Camarines Sur, Catanduanes, Masbate, Pasay City, Pasig City, Quezon City, San Juan Sorsogon City, Valenzuela City, Makati City, f. Region Vl:Aklan, Antique, Capiz, MuntinlupaCity, Navotas City and Taguig City Cuimaras, lloilo, Negros Occidental b. Region l: llocos Norte, llocos Sur, g. Region Vll: Bohol, Cebu, Negros La Union and Pangasinan Oriental, Siquijor c. Region ll: Cagayan, lsabela and h. Region Vlll: Biliran, Eastern Samar, Nueva Vizcaya Leyte, Northern Samar, Samar (Western d. Region lll: Aurora, Bulacan, Nueva Samar), Southern Leyte Ecija, Pampanga, Tarlac, Zambales and i. Region Xlll: Agusan del Norte, Bataan, Agusan del Sur, Dinagat lslands, Surigao del e. Region lV-A: Batangas, Cavite, Norte, Surigao del Sur Laguna and Rizal f. Region lV-B: Occidental Mindoro SENIANC g. Region V: Camarines Norte and a. Region lV-B: Occidental Mindoro Camarines Sur and Palawan h. Region Vl: Negros Occidental b. Region Vl: Antique, Capiz, lloilo i. Region Vll: Cebu and Negros Occidental j. Cordillera Administrative Region (CAR): Abra, Benguet, Apayao, Kalinga. Mt. c. Region Vll: Bohol, Cebu and Province and lfugao. Siquijor d. Region Vlll: Eastern Samar, Leyte, RUBY Northern Samar (Western Samar) a. National Capital Region (NCR): e. Region lX: Zamboanga Del Sur Caloocan City, Las Pinas City, Malabon f. Region X: Bukidnon, Camiguin, City, Mandaluyong City, City of Manila, Lanao Del Norte and Misamis Oriental Marikina City, Muntinlupa City, Navotas g. Region Xl: Compostela Valley, City, Paranaque City, Pasay City, Pasig Davao Del Norte and Davao Oriental City, Quezon City, Taguig City, h. Region Xlll: Agusan Del Norte, Valenzuela City Agusan Del Sur, Dinagat lslands, Surigao b. Region lll: Bataan Del Norte, Surigao Del Sur Manual of Regulations for Non-Bank Financial Institutions Appendix Q-67 - Page 3

APP. Q-67 15.12.31 LANDO d. Region lV-A: Cavite, Batangas, a. Region l: llocos Norte, llocos Sur, Laguna, Quezon and Rizal La Union and Pangasinan e. Region V: Camarines Norte and b. Region ll: Cagayan, lsabela, Nueva Catanduanes Vizcaya and Quirino c. Region lll: Aurora, Bataan, Bulacan, f. Cordillera Administrative Region: Abra, Apayao, Benguet, lfugao, Kalinga and Nueva Ecija, Pampanga, Tarlac and Zambales Mountain Province Appendix Q-67 - Page 4 Manual of Regulations for Non-Bank Financial lnstitutions

It. Inclusive Dates of the Applicability of Temporary Relief to Banks Affected by Calamities For RBs/TBs/Coop Banks For All Rediscounting Banks o CLL ot only |% NOn-rmposrUon oI Non-imposition ot Moratorium on Staggered booking ol 60-day grace period to pay computation of for restructured penalties for late penalties on legal monthly payment allowance for loan rediscounting obl i gations past due loans loans submission of reserye deficiencies due to the BSP losses for loans outstanding as of supervrsory reports from reserve week unti I outstanding as of .i' ended / to z Luis and Mario O9/14/14 to 09/14/14 to 09/14114 to 09/19/'14 to 03131/15 09/14/14 09/14114 09/30/'t5 09l30l1s 0313't/15 03/13/15 Ruby '12/06/14 to 12/06/'14 to 12/06114 to 12/11/14 to 06/30/15 12/06/14 12/06/14 -.Tl 1 2/31 /15 12/31 115 06/30115 06111/15 Sen iang '12/29/14 to 12/29/14 to 12/291'14 ro 01/01/15 to 06/30115 12/29/14 12/29/14 o 12/3't/15 1 2131115 06130115 07102/15 't0/18/'15 to = Lando 1 0/1 8/1 5 to 10/18/15 to 10/22/15 to 04/20/16 10/1811s 10/'t8/1s 10/31116 10131 116 04131116 04/21116 o x DI o\ \I (Jt! .tt !, oe !eY (.) o\ (Jr

APP. Q-67 15.12.31 lll. lmplementing Guidelines on the (1) Principal. Unpaid outstanding Restructuring Scheme Covering the balance of the principal obligation in the Rediscounting Obligations with the books of account of the Bangko Sentral; Bangko Sentral of Rediscounting Banks and in the Areas Affected by Natural (2) Accrued interest. Unpaid interest Calamities due on the outstanding principal obligation as of the end of the applicable A. Objectives repayment or amortization date, The objectives of the loan settlement preced ing the approval of the loan scheme are, as follows: restructuring. a. To support the recovery efforts of c. lnterest rate rediscounting banks in the areas affected The interest rate to be charged against by the calamity; the outstanding principal balance of the b. To enable the rediscounting banks restructured loan shall be based on to liquidate their loan obligations with the prevailing rediscount rate. The interest Bangko Sentral by way of restructuring; and shall be re-priced annually. c. To ensure the collection of the d. Maximum bank lending rate The restructured interest rate of the rediscounted loans which may become past due in view of the damage caused by bank to its end-user borrowers shall not exceed six percent (6%) over and above the calamity, and maintain if not improve the applicable Bangko Sentral interest rate. the quality of the loan portfolio of the Moreover, the bank shall not charge Bangko Sentral. interest on accrued interest. B. Qualified banks e. Terms of repayment (1 ) Sett/em ent Value. The settlement a. All rediscounting banks with end- value shall be paid by the bank in equal user borrowers located in the areas monthly amortizations: Provide4 That the declared as "under state of natural amortization period shall not exceed calamity" as enumerated under ltem "/" five (5) years, to wit: hereof; (a) Principal. The principal obligation b. Rediscounting banks with serious shall be paid in equal monthly violations or findings with the SES, and/ amortization plus the applicable or which are currently under investigation rediscount rate; and or subject to legal action by the Office of (b) Accrued interest. The accrued Special Investigation shall not qualify to interest on the principal obligation as of avail of the restructuring scheme. the end of the month immediately c. In addition to ltem No. "8.b", the preceding the approval of the loan DLC shall evaluate each bank to determine settlement scheme shall likewise be paid if each would qualify for the restructuring. in equal monthly amortizations. No interest shall be charged on the accrued C. Terms and conditions interest. a. Maturity (2) Crace Period. The bank shall be The restructured loan shall have a given a grace period of six (6) months maximum term of five (5) years; within which to pay the first b. Amountto be restructured amortization. The amount to be restructured shall f . Collaterals. The following shall be equivalent to the following: be acceptable col laterals: Appendix Q-67 - Page 6 Manual of Regulations for Non-Bank Financial Instituions

APP. Q-67 15.12.31 (1) Restructured promissory notes into a loan settlement arrangement with of end-user borrowers; the Bangko Sentral, and (b) designating (2) Hard collaterals owned by the authorized senior officers therefor; bank such as bank premises and (2) The restructured prornissory notes govern ment secu rities; and of the end-user borrowers and other (3) Other collaterals acceptable to supporti ng documents; and the DLC. (3) Promissory Note with Trust g. Defau lt cause Receipt Agreement and Deed of (1) Failure to pay two (2) or more Assignment executed by the authorized amortizations shall be considered an event senior officers of the bank, duly notarized. of default and shall render the unpaid b. Notice of approval of application balance of the loan, plus accrued interest The DLC shall notify the bank of the and penalty charges d ue thereon, approval of its application to avail of the immediately due and demandable; loan settlement scheme. Upon receipt of (2) A penalty charge of twelve percent said advice, the bank shall: ("12'1.) per annum shall be assessed on the (1) Execute the applicable document defaulted amortization payment, reckoned under ftem No. "D.a"; and from the amortization due date to date of (2) Pay the required amortization payment; and immediately on the month following the (3) The DLC may exercise the date of approval of the loan restructuring option to refer to the Office of Special scheme and monthlv thereafter until fullv Investigation or to an external lawyer paid. for appropriate legal action, without further need for demand or notice to the E. Authorized signatories of the Bangko defaulting bank. Sentral h. Required documents. Qualified banks shall submit the following Transaction Authorized Bangko documents: Sentral Officer (1) Letter of Understanding (LOU), Approval of the Director, DLC, or in his/ agreeing to the terms and conditions of application to avail of her absence, any of the the restructuring. The LOU shall be the loan restructuring DLC Deputy Directors executed by the senior officers of the scneme bank, duly designated by its board of Approval to release Director, DLC, or in his/ directors; and the collateral her absence, any of the (2) Surety Agreement, if there is documents DLC Deputy Directors col lateral deficiency. EXeCUUOn OT uepury uovernor, Cancellation of Deeds Monetary Stability D. Application procedures of Real Estate Mortgage Sector a. Filing of application Assignment or Pledge The bank shall file with the DLC an application for restructuring of its outstanding rediscounting loans, F. Other provisions supported by the following documents: a. ValueDate of the Settlement Scheme (1) Resolution of the board of The value-date of the settlement value directors (a) authorizing the bank to enter shall be the end of the month immediatelv Manual of Regulations for Non-Bank Financial Instituions Appendix Q-67 - PageT

APP. Q-67 15.12.31 preceding the date of approval of the a)LuisandMario-upto31 March2015 loan restructuring. b) Ruby- up to 30 June 2015 b. Effectivity date c) Seniang- up to 30 June 2015 The loan settlement scheme shall be d) Lando- up to 30 April 2016 made available. as follows: (M-201 4-039 dated 01 October 201 4, as amended by M-201 5-039 dated 04 November 201 5 and M-201 5-009 dated 28 January 201 5, M- 201 6005 dated 20 January 201 5) Appendix Q-67 - Page 8 Manual of Regulations for Non-Bank Financial Instituions

ANNEX B App.89 REGULATORY RELIEF FOR BANKS AFFECTED BY CALAMITIES (Footnote to Secs. X257, X306, X338, Subsec, X778.77, X269.6, ond X269.8) XXX XXX XXX Annex A IIST OF AREAS COVERED BY THE REGULATORY RELIEF; INCLUSIVE DATES OF COVERAGE; AND IMPLEMENTING 6UIDETINES ON THE RESTRUCTURING SCHEME (Footnote to Secs. X257, X306, X338,Subsecs. X792.2, X269,6, X269.8 and App. 78) l. Areas that were Declared under State of Calamity: xxx xxx xxx INENG XXX XXX XXX LANDO a. Region | - llocos Norte, llocos Sur, La Union and Pangasinan b. Region ll- Cagayan, lsabela, Nueva Vizcaya and Quirino c. Region lll-Aurora, Bataan, Bulacan, Nueva Ecija, Pampanga, Tarlac and Zambales d. Region lV-A- Cavite, Batangas, Laguna, Quezon and Rizal e. Region V- Camarines Norte and Catanduanes f. Cordillera Administrative Region - Abra, Apayao, Benguet, lfugao, Kalinga and Mountain Province

ANNEX B ll. Inclusive Dates of the Applicability of Temporary Relief to Banks Affected by Calamities For RBs/TBs/Coop Banks For all Rediscounting Banks Exclusion from GLL of only 1% Non- Non- Moratoriu Staggered 60-day grace computation of for restructured imposition of imposition of mon booking of period to pay past due loans loans penalties for penalties on monthly allowance for rediscounting late legal reserve payments loan losses obligations submission of deficiencies due to the for loans outstanding as supervisory from reserve BSP until outstanding of reports week ended / as of to xxx xxx XXX XXX xxx xxx XXX XXX Ineng 08/18/1s to O8/78/L5to 08/18/1.5 to O8/2tlt5 to 02/29116 08/L8115 081t8/ts o8l3t/L6 o81371]^6 02129116 02l2slt6 Lando tolLS/t5to tO/L8/tSto t0/t8/LSto IO/2Z/LSto 04120/L6 tohs/ts ].0lL8lts LOl3t/t6 Lol3L/16 04l3th6 04l21lt6 lll. lmplementing Guidelines on the Restructuring Scheme Covering the Rediscounting Obligations with the Bangko Sentral of Rediscounting Banks in the Areas Affected by Natural Calamities A. Objectives xxx xxx xxx F. Other provisions A. XXX XXX XXX xxx xxx xxx b. Effectivity date The loan settlement scheme shall be made available, as follows: XXX XXX XXX v) lneng- up to 29 February 2016; and w) Lando - up to 30 April 2015.

ANNEX C Affected Reports in Appendix 6 (Reports Required of Banks) of the MORB Category Form No. MOR Ref, Report Title Frequency Submission Submission Procedure/ Deadline e-mail Address UBs/KBs A-1 Unnumbered x146.3 Report on Conglomerate Annually 30 calendar Hardcopy to the (Circular Nos. 895 Structures days after appropriate department of dated 12.!4.!5, 757 end of the the SES dated 05.08.12 and calendar year 749 dated 02.27 .t2l A-1 Unnumbered xL46.3 Report on Material Quarterly 20 calendar Hardcopy to the (Circular Nos. 895 Related Party days after appropriate department of dated t2.!4.!s, 7s7 Transactions end of the sEs dated 05.08.12 and reference 749 dated 02.27 .721, quaner A-3 DES-RREPI x792.r7 Bank Quarterly Report on Quarterly 20"' banking DES - e-mail Form I (Cir. No. 892 dated Residential Real Estate day from esliedes@ bso.eov.ph 11.16.15 and M-2015- Loans for the Generation reference 042 dated 02 of the Residential Real quarter Unable to transmit December 2015 Estate Price Index electronically - CD - DES through messengerial or postal services TBs A-1 Unnumbered x146.3 Report Conglomerate Annually 30 calendar Appropriate department of (Circular Nos. 895 Structures days after the SES dated 12.I4.L5, 749 end of the dated 02.27.72 and calendar year 757 dated 05.12.12) B Unnumbered x146.3 Report on Material Quarterly 20 calendar Appropriate department of (Circular Nos. 895 Related Party days after the sEs dated 72.L4.15, 757 Transactions end of dated 05.08.12 and reference 749 dated 02.27.I2| quarter A-5 DES.RREPI xt92.l7 Bank Quarterly Report on Quarterly 20'" banking DES - e-mail Form I (Cir. No. 892 dated Residential Real Estate day from eslisdes@ bsp.sov.ph 11.16.15 and M-2015- Loans for the Generation reference o42 dated 02 of the Residential Real qua rter Unable to transmit December 2015 Estate Price Index electronically - CD - DES through messengerial or Postal services RB A-1 Unnumbered x146.3 Report on Conglomerate Annually 30 calendar Appropriate department ol (Circular Nos. 895 Structures days after the sEs dated 12.74.15, 749 end of the dated 02.27.I2 and calendar year 757 dated 05.08.12) I Unnumbered xt46.3 Report on Material Quarterly 20 calendar Appropriate department of (Circular Nos. 895 Related Party days after the sEs dated 12.74.75, 757 Transactions end of dated 05.08.12 and reference 749 dated 02.27 .721 ouarter