RRR NG MGA BANGKO TATAPYASAN

PILIPINO Mirror

BABAWASAN ng Bangko Sentral ng Pilipinas (BSP) ang reserve requirement ratios (RRR) ng mga bangko sa layuning mapababa ang financial transaction costs.

Ayon sa BSP, ang RRR ng universal and commercial banks (U/KBs) at non-bank financial institutions with quasi-banking functions (NBQBs) ay tatapyasan ng 250 basis points sa 7 percent mula sa kasalukuyang 9.5 percent.

Sinabi ng BSP na ang RRR ng digital banks ay babawasan din ng 200 basis points sa 4 percent mula 6 percent.

Tatapyasan naman ng 100 basis points ang RRR ng thrift banks (TBs), rural banks, and cooperative banks (RCBs).

“The reduction shall bring the RRRs of TBs to 1.0 percent and RCBs to 0.0 percent,” ayon sa BSP.

Ang bagong ratios ay magkakabisa sa reserve week simula sa Oct. 25, 2024 at ipatutupad sa local currency deposits at deposit substitute liabilities ng mga bangko at NBQBs.

“The BSP emphasizes that these adjustments in reserve requirements are in line with its continuing efforts to reduce distortions in the financial system,” pahayag ng BSP.

“The reductions will lower intermediation costs and promote better pricing for financial services. As inflation continues to track a target-consistent path over the next two years, the BSP will reassess the need for further reductions in the RRRs to better align them with regional norms over the medium term,” dagdag pa nito.

Ang reserve requirements ay ang porsiyento ng bank deposits at deposit substitute liabilities na kailangang isantabi sa deposits sa BSP na hindi nila maaaring ipautang.

Nauna rito ay ipinahiwatig ni BSP Governor Eli Remolona Jr. ang malaking pagbabawas sa RRR ng mga bangko.

“We will reduce reserve requirements substantially this year and then there may be further reductions by next year,” aniya.

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