•  In a computerised system with 24/7 banking, and large retail base, the preparation for a moratorium has to be much more meticulous than in traditional banking. •  Role of media is critical and in any crisis management media management has to be given priority.
The gross non-performing loans (GNPL) and nonperforming assets (NPA) ratios of Philippine universal and commercial banks (UKBs) have been falling since the early 2000s.