However, this is likely to be offset by lower operating expenses and deferment of capital expenditures and non-essential expenses; and f. Liquidity and capital buffers remain intact. The banking system’s credit growth continued amidst the pandemic. The banking system’s gross total loan portfolio grew year-on-year by 1.2 percent to P10.6 trillion as of end-October 2020.
This module provides some examples of approaches and strategies to establishing a bank that have been successfully followed by other new institutions to achieve stable and profitable performance. The third and final module, "Growing Shareholder Value," is designed to help more-mature institutions achieve an even stronger financial footing and improve shareholder value.