8.7M DEPOSIT ACCOUNTS SWAK SA PH DIGITAL BANKS

SINABI ng Bangko Sentral ng Pilipinas (BSP) na may 8.7 million deposit accounts ang pumasok na sa digital banks.

Ayon kay BSP Director Melchor Plabasan, ang deposit accounts na ito ay nakarehistro sa anim na digital banks na nag-o-operate sa bansa, na kumakatawan sa 7 porsiyento ng kabuuang bangko sa Pilipinas.

Ani Plabasan, dalawa sa anim na digital banks ang kasalukuyang kumikita mula sa kanilang operasyon.

“There are two among the six banks that are profitable, but the expectation is that it would take around five to seven years before a digital bank becomes profitable,” aniya.

Idinagdag pa niya na ang naturang numero ay nakahanay sa global numbers, dahil 5 percent lamang ng digital banks sa buong mundo ang kumikita.

“So, we are expecting that there will be losses, but we don’t expect that some will be out of the red already, probably even before the five to seven years,” sabi pa ni Plabasan.

Inaasahang maglalabas ang BSP ng industry report sa performance ng digital banks sa bansa sa susunod na buwan.

“Essentially we are looking at first the impact of these digital banks to the overall financial system and in terms of their contribution to our financial institutions,” dagdag pa ng BSP official.

Samantala, sinabi ni BSP Governor Eli Remolona Jr. na pinag-aaralan ng central bank ang pagbubukas sa sektor sa pamamagitan ng pag-iisyu ng mas maraming lisensiya para sa digital bank operations.

“We’re trying to figure out how the new licenses will help with the new digital bank that has a different business model that has to be tested in the Philippines. Usually, they’ve been tested abroad. Whether this business model will also work in the Philippines,” sabi ni Remolona. 

(PNA)