There are over 700 rural banks scattered all over the country but only about half have email facilities and about the same number have in-house developed systems. You may want to consider e-enabling the regional areas as there is already a heavy concentration of applications in the mega-metro manila area and other major cities.
The older policy statement placed significant constraints on a depository institution’s holding of certain “high-risk” mortgage securities that met specific market risk sensitivity tests. The new policy would replace the high risk test with broader guidance on sound practices for managing all investment and end-user activities.