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PDIC and RBAP: Partnering for

Financial Inclusion

in the Digital Age

ROBERTO B. TAN President

Philippine Deposit Insurance Corporation

Levels Levels

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Deposit Insurance Fund

89

142

2013 2017 (June)

(in Billion PHP)

60%

Higher DIF promotes depositor confidence

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5,636

9,907

571

934

136

162

2013 2017 (June)

Deposits in the Banking System

6,343

11,003

(in Billion PHP)

76% KB

64% TB

19% RB

Deposits in banks continue to grow

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Deposit Accounts (in million)

33.0

41.4 5.1

6.6

5.4

7.4

2013 (June) 2017 (June)

29%

37%

26% KB

TB

RB

More depositors save in banks

43.5

55.4

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Number of Banking Units (including Head Office)

5,261

6,102

1,791

2,130

2,132

2,720

2013 2016

9,184

10,952

19%

28%

16% KB

TB

RB

Banks expand their branch network

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Number of Cities/Municipalities with / without banking presence

Source: Financial Inclusion in the Philippines Dashboard (BSP Website)

Despite branch expansion, some areas remained financially excluded

1,030

604

1,428

1,052

582

1,472

0

200

400

600

800

1,000

1,200

1,400

1,600

With banking presence Without banking presence With at least one access point

2013 1Q 2017

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Source: http://www.bsp.gov.ph/downloads/publications/2015/PhilippinesNSFIBooklet.pdf

Regions with low banking presence

• Autonomous Region in Muslim

Mindanao (ARMM)

• Cordillera Administrative Region

(CAR)

• Eastern Visayas

• Zamboanga Peninsula

• Occidental Mindoro,

• Oriental Mindoro

• Marinduque, Romblon, and

Palawan (MIMAROPA)

Reaching out through FinTech

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RB’s distinct advantage

Intimate knowledge of the communities you serve

Here to serve!

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Challenges to RBs

Disruptive

technology

Compliance

pressures

Aggressive

competition

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Opportunities for Partnership

Merge

Digitize

Engage

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Merge

Consolidate for strength and

increased viability

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http://www.pdic.gov.ph

facebook.com/OfficialPDIC twitter.com/OfficialPDIC

Digitize

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PDIC’s Public Assistance Center

a one-stop-shop for the

convenience of depositors,

borrowers and all stakeholders

• depositors filing a claim,

borrowers settling loans, creditors

following up claims against

closed banks

• prospective buyers of assets for

sale.

• Clients use an electronic queuing

system

• Priority lanes for senior citizens

and those requiring special

assistance

Digitize

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Digitize

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Engage

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PDIC’s “status”

17

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THANK YOU!

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PDIC and RBAP: Partnering for

Financial Inclusion

in the Digital Age

ROBERTO B. TAN President

Philippine Deposit Insurance Corporation