WILL PHILIPPINE BANKS FAIL?
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- Опубліковано 15 вер 2024
- Are you curious about what really happened with the closure of US regional banks Silicon Valley Bank and Signature Bank, and the flash acquisition of Credit Suisse by UBS? Have you been wondering about the cause of the recent global banking turmoil? Are rate hikes to blame? In this video, we delve into the details and provide insight into the events that led to these significant changes in the banking industry.
But the more important question is: Will Philippine banks fail? Will it face a similar fate?
Join our Chairman Rex Mendoza and gain a deeper understanding of the complexities of the global banking industry, and how it can affect our everyday lives.
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#siliconvalley #creditsuisse #bankrun
As an American expat living here in the Philippines, I can tell you I feel safer keeping my money in a Philippine bank rather than a US bank at present. I also get a much higher interest rate on my savings account here than the US.
Beware the Hidden Risks!
I've been trading with her for months now too and all my trades have been going well
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@Incommore
I'm surprised to hear that some people here are using Mrs. Anna trading strategy! I met her 2 months ago and it was a great pleasure to work with her. Bravo to be part of his winning team.
philippine banks have to be one of the most cautious in the world when it comes to lending money, always demanding collateral and very quick to chase outstanding debts.
With your explanation, you just raised the trust and confidence of the Pilipino depositors. Keep on doing your advocates. Thanks.
Sa mga ordinary person siguro na clueless sa mga banks maniniwala pero sa mga taong my alam talaga sa ngyayare sa economic world its a nono 😂 apat nga lang na banko sinabe niya anim na nga nababanktrup na bigbanks e in just a weeks 😂 at yung sinasabe niyang wag maniwala sa twitter e si robert kayosaki nagsabe na bilyonaryo kanino ako maniniwala sa bilyonaryo o sa financial experts na hindi naman bilyonaryo syempre sa bilyonaryo 😂
Oh ito abangan mo Deutsche Bank next na 😂 oh wag pa den kayong kabahan ah ☠️
@@MadScientist2 Your Mad?
@@ugmangdamlag7328 nagpapaliwanag lang 😂
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Am glad the banking system in Phil is doing well...gives us more confidence
Very informative!! Thanks for explaining it well.We have to trust the Lord and our banking system will not collapse.Let:s pray that the Lord would protect our banking system.
I'm the kind of person who gets easily bored and moves on after 10-15 seconds. Pero so far, lahat ng videos ni Mr. Rex Mendoza, surprisingly, natatapos ko kahit more than 1hr pa. I think one glaring reason is the connection he makes when he speaks. The clarity of his words and the mix of languages used, minsan malalim na tagalog pa, awakens one's interest to watch until the end. In fact, hinde ko na namamalayan ang oras. I have a new favorite channel now and that is Rampver!
Isa ako sa nakinabang....totoo po yan
Bago nagsara ang isang banco nung nagkaroon ng crises sa Pilipinas,
Naopen ang mga foreclosed lots at isa ako sa mga nakabili ng lote.
After 10 years, binenta namin ang lote at kumita 100 times na siyang ibinili din namin ng unit dito sa US
Thank you so much Sir 🙏
GOD bless you more Sir.
Damang dama namin ang laki ng puso mo para sa lahat ng mga Pilipino.
You are a living hero Po❤
Well explained..Dati Ako taga banko 25 yrs Ako nag work in one of the famous bank dto sa atin..
I might be unaware, but I never heard from my parents that a bank run has happened in the Philippines. Just to be ready, I think we need to just maximize our deposits by 500K in one bank and then deposit to a different one. This is to maximize the PDIC 500k insurance if this happens.
True, be aware of it and even if the banks failed know how much you will be insured guaranteed by the PDIC.
Actually, nagkaroon na ng bank run dito sa Pilipinas nuon. Yung Urban Bank at Banco Filipino. But they're not really major banks. They're just thrift banks.
Your unaware lmao my bankrun na ngyare dito sa pilipinas hahahaha my optics yang us banks sa pinas kahit nga maganda economy ng pilipinas ng nakaraan sa pse sumabay pa den sila sa inflation ng us e😂
WEF controlled 5 huge corporations want SVB, Signature et al banks to closed. That's why. 😁
when I go through your comments, I know you must be talking about Mrs. Anna It's been 3 months of steady crypto growth using his trading strategy.
Marami na din po kasing financial institutions na kalaban ang mga banko meron ng mga apps na we can receive and send money.
Uso na po ngayon na kahit zero maintenaning balance may debit card ka na . Marami po ang mga dahilan like technology. Opo tama po maraming nag focus sa tech.
Yes madali po ang transactions nowadays due to digitalization .
Yes ang banko po dapat good standing, pagandahin ang services .
No bank failures in the Philippines, no worries.
So lumalabas na mass matalino ang Mga pilipino bankers kaysa ibang Bansa🤣🤣🤣🤣
Good Is good n he will never let it happen to us here in Phils. God bless everyone.
Thank you sir. I have never seen someone as passionate as you are in what you are in teaching.
Thank You po for your knowledge and wisdom. Well explained ❤
Only in the US but not in the Philippines we been to many trials but our banks are still keep on going they know the word resiliency
Panalangin Po natin hindi mangyayari ang ganyan dto sa Pilipinas✌️🇵🇭❤️
Ok lang... DYOR ka na..
Thank you for this timely info. But sa Pinas medyo remote dahil magulang sobra ang comml banko sa Pinas. Except of course if may corruption like what rcbc did sa educ insurance nila and filed bankruptcy to run away from their obligation and remain rich until now, after pinaglaruan iyon processo. But for other banks, they are very conservative, magulang pero hindi corrupt. That's my take.
Yan po ang tamang explanation at lalo po naming maintindihan ang kalakaran Ng banking system. Subalit yang archegos na yan ay maliit na player lng yan, mas dapat bantayan ang galaw ng mga state ruling shadow organizations. Sila Po Ang nagdedekta sa kabuoan di lng sa economic sectors. Sa nangyayari ngayon mula nung nagkapandemic, talagang intent nila magkaroon Ng "major global crises (in plural form)" dahil alam nating nagkaisa lahat mula mainstream media to gov't officials naging iisa lng bukambibig nila. At lahat Ng kumontra, sisirain nila.
Ngayon, tandaan Po natin lahat Ng banking system Kasama na satin, hawak Po Yan Ng central bank. Ibig sabihin pg may order Yung organization na "it's time to start the one world government" yan po ang time na kailangan mgkaroon Ng major global crises. Tandaan natin na lahat Ng mga central banks sa buong mundo ay hawak Ng iilang tao lng. Sila Yung mga tinatawag na global elites gaya Ng Rothschild family.
naging simpleng kwento lang si SVB, galing mo sir rex. God Bless Always!
Thank you sir Rex Mendoza napakaliwanag ninyo mag explain pati mga technical na hihimay himay ninyo
Sana lahat ganito kalinaw at kasimple magpaliwanag.. 👍
superb explanation of banking system!!! Just on time since matindi ang paparating na changes sa banking system ng US and maybe to the rest of the world as well..Thank you sir for the education !!! Keep it flowing !!!
big thank you sir mendoza sa inyong very comprehensive na explanation...
Thank you sir Rex for the simplified explanation of the current banking events!
Always looking forward to your videos!
Salamat po ulit!
ang ganda ng pag ka explain mo sir , highly appreciated . ginawa mong simply ang complicated topics.... Bond .yield ..hedge fund.. mutual fund.. bank system etc .pa simply na klaro ang pag ka explain
Maraming maraming salamat po! Marami akong na tutunan
sa inyo! Napaka galing nyong mag paliwanag..
Thanks for Your Wonderful Information.
TO GOD BE THE GLORY AND HONOR WHO MAKES THE PHILIPPINES BANKING SYSTEM IN GOOD SHAPE. THANK GOD FOR THE KNOWLEDGE AND GUIDANCE THAT HE IS PROVING TO OUR FINANCIAL INSTITUTIONS. BLESSED IS THE NATION WHO TRUST AND HONOR THE LORD AND ALWAYS PUT GOD FIRST ABOVE ALL .
Fist time viewer here. As a student, I've learned a lot from your explanations sir. Super informative! Thank you so much, sir.
Haay sana direct to the point na,but to stress that what ever happens to the world market is felt globally, kaya nga mas maganda mag ingat at wag mag rely sa banks too much, if you have noticed ATMs are usually out of service since nag pandemic...ask yourself why this has been a trend.
Buti nalang meron tayong nagiisang Rex Mendoza.Thank you Sir Rex. I am always informed and aware because of your videos. #KaRFF
Very good and simple explanation sa very complicated issue....thanks po a lot...
Thanks for this valuable lecture/information regarding the banking system.. especially the positive situation here in the Philippines..👆
Thank u Sir Rex for this video.. The best po tlga kyo mg-explain.. And tama po kyo evrytime n nonood ako dito s RFF pra kong ng-aaral ng MBA😍👏..
I AM THANKING THE LORD FOR YOUR VIDEO. I HAVE BEEN SO WORRIED. YOU CANNOT IMAGINE. GOD BLESS YOU!!!
Thanks po po simplifying the Banks and financial system here in our Small But Learned Banking system thru Central Bank initiatives
WoW malinaw ng explaination marami akong natutunan, maraming salamat po.
Great explanation!. Thanks boss Rex
Thank you for explaining what happened and Yung pagsagot nyyo ng deretyuhan.
the Philippines survived the 2008 financial crisis because we have learned our lessons, as long as people are swayed by so called financial expert which are the culprit in most major financial collapse, its vicious cycle will repeat over and over again, when experts use other people money to feed their greed things go south.
Very comprehensive explanation Sir! Thanks so much. At least nabawasan ang psychological burden ko🤓🤓🤓
Ganda naman ng discussion sir Rex😍🥰
Thank you. Very informative. God bless the Philippines.
THANK YOU VERY MUCH SIR..... YOU ARE HELPING US ALL BANK DEPOSITORS TO UNDERSTAND ABOUT THE REAL BANK SITUATIONS IN OUR COUNTRY and AROUND THE WORLD....YOUR INFO GREATLY HELPS US ALL and AT LEAST ENLIGHTENED MANY OF US ABOUT OUR MONEY....THOU , WE STILL NEED TO BE ALERT. ALWAYS...SEE and WATCH DAILY .....EVENTS THAT MAY CHANGE BY 24/7...THEN MAKE OUR MOVE FAST TO GET OUT OUR DEPOSITS...AS FAST AS WE CAN....
The best explanation. Many thanks. I was almost thinking to withdraw my savings when I heard news about American banks closing. Tama ka,it's easy to move money online nowadays, at saka very unpredictable ang market kaya nakakatakot ding basta ka lang mag invest.
Grabe yung info na nakukuha namin sa channel na to. Just so great!
Ang galing ni Rex magpaliwanag! Idol talaga!
This is good!!! But I'm in the office, lunchbreak is over, I'll continue this at home tonight...can't wait =)
i put my trust to God and to the people he assigned to manage our financial Security
Thanks for this informative article. Kaya rin po nag sara ang mga banko sa U S at Europe ay dahil po sa fractional banking system na sinosonod whereby if a depositor has deposited 100 USD the banks are legally allowed to lend 90 USD out of that deposit kaya kung may bad news sa isang bangko at nawalan ng tiwala ang mga depositor/s kaya nagkaroon ng bank runs. The system is bound to fail its just a question of when and when is already unraveling now and Europe is nxt and so on. God for id, this could be a worldwide phenomenon. I would like to ask if safety deposit box is safe? Which I doubt.
Thanks for the very detailed explanation Boss Rex ..
Our economy is service driven, no way banks will fail. Filipinos love to hang out in malls, travel locally and stay in hotels, SMEs are healthy, therefore banks won't fail. Not to include the OFW remittances.
Matagal ko ng alam isa ang philipines na may magandang banking system dito po sa Asia. Mahuhusay ang mga financial asset management ng mga bangko dito.
Dahil php money ay back up ng gold while us dollar fiat currencies
90% purchasing power ng us dollar ay mawawala
Trust and confidence is the bank slogan but it is best to deposit only up to 500 thousand the insurance of Pdic. Word of advice do not trust too much.
Thank you Sir Rex, this is very informative and enlightening for the common folk and newbie investors.
God bless po.
This deserve a million views
Mr rex mendoza lng Sakalam 💖
Thank you so much Sir! God continue to bless you and all that you do!
This is very informative and presented in a way na madaling maintindihan for someone who is not well verse in the banking industry or even in finances! Mabuhay kay sir!
Us and Europe difference they are more invested in bond and in directly investment the problem paper money and digital.... no actual
THANKS A LOT OUR AMAZING GURO,FOR VERY CLEAR EXPLANATION,
When all is said and done, saan ko naman itatago ang cash ko? Kung sa haus lang baka maging magnet pa sa magnanakaw. Kahit caha kayang kunin pag sinugod ka ng grupo. Kaya sa tingin ko, the cash is still safest with the banks basta most of it covered ng pdic.
Bili mo ng mga properties forsure hindi mawawala
This is a valuable, clear, and crucial content. Thanks, Sir!❤
Thanks boss Rex for this very informative topic. God bless po
Salamat po sa magandang paliwanag di n po kami ng aalala
very good layman's explanation. I'm US based but was wondering about the spread between Phil treasury notes ( 2 yr 6.017%) vs average Phil bank interest rate (5.75%). real estate max is 10% allowed but where are the other assets in reserves invested in, i am assuming Phil t bills, what maturities? the Phil central bank like other countries central banks are still increasing rates. at how much of an interest spread will it become attractive to a retail and or institutional depositor to withdraw their money and buy treasuries directly which is the factor in the collapse of the us regional banks mentioned. how easy is it to buy t bills individually or through money market funds in the Philippines? as mentioned govt treasury notes are good quality assets IF held to maturity but any bond's mark to market will always do poorly in a rising rate environment.
Thank you for sharing your wisdom Sir Rex! We appreciate you! salamat sa pag-educate sa amin :) God bless po!
I don't think our banks will collapse the way other countries are because we have sufficient gold reserve that backs up our existing banks....
US s no1 in Gold reserve, yet banks are closing down. Pray na lang tayo
Anung gold resevers hahahaha walang gold reserved yang mga banko hahahaha 😂😂😂😂 pinagsasabe niyo kaya nga nagpiprint yung feds us dollar para mabailout nila yung mga nababanktrup na bigbanks e hahahaha
@@mygulay1018 pray😂 hahahahaha okay pray ka lang as if naman pagnagkaroon ng default at hyperinflation gagana pa den yang pray mo yung mga nagpray sa mga nagsaradong banks in just a weeks nasaan na 😂 oh ito bago mabankrupt yung svv nagdump mga ceo nila ng million$ sa stocks nila 😂 coincidence ba ? Hahahahaha walang pake sainyo yan try niyo research yung sinabe ni robert kayosaki sa media na nagiinterview sa kanya about banks ng maliwanagan kayo kanino kayo maniniwala sa financial experts na hindi naman bilyonaryo o sa bilyonaryo hahahahah pick your poison
Walang malaking gold reserve ang US. Ang mga ginto na nasa kanila ay pag aari ng iba't ibang bansa. If ever they have, all looted from other countries like what they did in IRAQ. They have been illegally printing dollars without the back up of gold. Kaya nga ang lahat ng mga petrolium products ginawa nilang back up by dollars aka petrodollars para mag stay na powerful ang pera nila dahil walang back up na gold. With the rising BRICS (BRAZIL, RUSSIA, INDIA, CHINA, SAUDI ARABIA AND OTHER MIDDLE EASTERN COUNTRIES) promoting all oil products to be backed up by gold, magiging delikado ang USD dahil lahat ng countries na yan ay oil producing countries. For me it's safer to keep the peso than dollars. Kasi may ginto ang Pilipinas.
@@MadScientist2 Tama ka, kaya nga medyo nalilito na US dahil sa BRICS .
Grabe!! ang Galing Prof.
Thanks for simplifying this hot topic for us, Boss Rex! 💯💚
Thanks for breaking it down samin sir Rex and rampver!
Very Informative. Thank you for making it understandable po.
Best video nakita ko sa YT. Thanks sa explanation
Very healty discussion..thank you sir..
Salamat sa mga ganitong video...mabuhay po kau!!!!
Thank you sir Rex,watching from Largo Florida U.S.A
Thank you Sir Rex and Rampver Financials. Very informative and timely! 😁
Question lang po, how about digital bank like CIMB, Tonik and etc. Kamusta po? Will they be affected po kaya what is happening in the US?
Thank you for the information sir. It helps me to understand what really happened in SVB. Great presentation. 😊
Good explanation sir. I applaud you for that. But there are other things too that wasnt mentioned. Like we dont have any information on the external debt exposure of our local banks to outside creditors, because they are denominated in dollars. We all know interest rates have risen up in the past 2 years, so is the debt they owe to external creditors. We dont know what international bank they owe it too. or how much exposure they have. Also, I think the rise in loan in the country was not due to capex or new investments, but rather a lifeline or creditline extension to existing bussinesses to ease out the effects of the pandemic and inflation. Now banks to charge additional ATM fees to add to margins and also Repo markets for cars are on the rise too, which are tell tale signs. Here are just my $ 50-cent concerns that we should look into.
What advice can you give for those whose deposits are on short term or long term ones
@@veronicamuller7650 Im not a financial consultant. I dont give financial advice. B.Y.O.B
Question ??what about an investment in private corporation like San miguel corporations , are these investments safe at present banking condition ???
You were right sir, but if majority of the banks will utilize bricks currency the dollar will lost its face value.
Thank you, Sir Rex! Well explained. Very timely! 👍
You did it again, Boss Rex 👏👏👏👏Thank you Boss Rex for a very clear explanation.
Nice video. What I find missing is discussing the level of bad debts/non-performing loans, non-performing assets of banks. There is also a report on increasing loss reserves which could mean a possible avoidance of financial distress. How about p/e and yields that investors should consider??
Yup. We need more info on Loans with insufficient collateral backing
@@friarnewborg9213 😊
Finally may nag explain na ❤
I subscribed !😁 really like these kind of topics
Grabe sir Rex, you're gaining more confidence in our fellow bank depositors and investors.
Very simple and easy to digest bro Rex Mabuhay Po kayo.
Thank you Sir Rex and team Rampver🤝🏾🙏
Philippines Banks are very conservative. They don't have complex and hybrid products. They have very stringent Credit background check / review before granting any loan.
Thank you po Sir Rex. Your explanation was very clear. God bless po!
Sir Rex, very educational po. Thank you very much and may God bless you always.
usd pa man din ang fiat reserve globally,pag bumagsak to,hyperinflation to matik,pwedeng sa land or crypto maglipatan mga assets,parang nauulit na yung history different ERA lang pero same result,thank you po sa another info♥️
Give credit to Gloria Arroyo being an economist and Pres at that time of global crisis (2008)Noynoy Ang nkinabng sa galing n Pres. Gloria
Great analysis of the situation as always.
Thank you sir grabi, may mga katanungan na akong nasagot mo.. lagi ko tinatanong paano kaya sila kumikita is napakliit lang naman ng interest. Hahah now i know kung mas paano ko pa pakinabangan ang pera ng mga banko.. garabi napaka informative mo sir,,slamat
Hindi talaga ako sanay Rex sa bagong appearance mo for 2023! haha! God Bless Rampver More!
Thanks much po Sir Rex ! Much appreciated.
All the banks in Philippines is safe because we have a huge and plenty of gold reserve thanks to Apo lakay of his brilliant idea which so he predicted things to happen and prepared beyond any circumstances from the rest of other countries in the words.
Ang galing! Ang details, sir looking forward sa feedback nyu sa rate cut. GDP thesis thank you
Ah yun pala reason thank you po sa explanation kala ko dahil ng fed trying to stop crypto, crypto friendly banks yung mga apektado base sa mga napanood ko, svb, silvergate, signature. Di daw po insolvent ang signature pero shinut down pa rin daw ng mga regulators, sabi sa mga napanood ko baka dahil sa gusto ng fed ma control crypto at para sa cbdc na irerelease nila. Naalala ko mahirap nga din pala maaprove credit card sa Pinas kaya pala, dito sa Canada newcomers may cc agad di masyado mahigpit oba iba din nga style ng banking system ng mga bansa.