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Classification According to Form of

Organization
• Unit Bank – is a single banking corporation, which makes
and implements its own policies. The United States is
characterized by this form of banking system.
• Branch Banking System – is a multiple office banking
system. We adopted this for the following reasons:
1. Because we lack capital
2. Idle funds in one area of the country can be properly
employed in other areas;
3. For the convenience of its customers;
4. There is less overhead expense to run a branch than to
organize a new bank.
• Group Banking - consist of unit banks or
Branch banks whose majority shares of stocks
are held by a holding company. Unit banks
resort to group banking in order to control the
banking business of a particular territory.
• Chain Banking - consist of independent unit
banks, which are owned by a group of people.
Monopoly of banking business is the main
objective of this banking system.
Traditional Classifications of Banks
are as follows;
1. Privately Owned Banks - are banks owned by
private individuals.
2. Government Owned Banks – are banks
owned by the state or banks with a minimum
private capital like the Philippine National
Bank, Al – Amanah Islamic Investment Bank of
the Philippines, Land Bank of the Philippines,
Development Bank of the Philippines and the
Central Bank of the Philippines.
According to Place of Incorporation
• 1. Domestic Bank – is a bank incorporated under the laws
of the country where it is doing business. Under our laws,
bank should at least have sixty percent (60%) Filipino
capital; twenty percent (20%) of unauthorized capital stock
could only be owned by people related to one another up
to the third degree of consanguinity and affinity; two thirds
of the board of directors of the bank should be residents of
the Philippines.
• 2. Foreign Bank – is a bank incorporated under the laws
of the other countries that do business in the Philippines. It
is subsidiary and branch of a foreign bank operating in the
Philippines. Pres. Ramos on 1994 signed into law R.A. 7721
liberalizing the entry of foreign banks in to the country. This
was liberalized amendment of the general Banking Act of
2000.
• R.A. 7721, the Monetary Board shall allow six
(6) foreign banks to enter the banking system as a
branch within a period of five (5) years.
• Foreign Banks will be allowed a total of six (6)
branches with a capital requirement of P210 million
for the first three branches.
• This R.A. 7721 reverses a government policy for
the last forty five (45) years that has kept the banking
system closed to foreigners in the belief that the
approach was in the country’s best interest.