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.
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.
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 😂
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.
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.
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😂
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 .
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!
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
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 !!!
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.
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.
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.
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!
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.
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.
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.
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.
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
Sa mga tinatamad pakinggan ung intro punta agad kayo sa 26:25 . Hahahaha! Not use if this was used for webinars pero sana po ay bagohin nyo po format. I think a 10-16 minute video will suffice to explain the topic. Broad topics should be explained in a separate video and link can be added to the related videos.
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....
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
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♥️
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.
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??
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.
Am glad the banking system in Phil is doing well...gives us more confidence
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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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❤
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.
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. 😁
Bitcoin is really profitable at this stage.
Thank you sir Rex Mendoza napakaliwanag ninyo mag explain pati mga technical na hihimay himay ninyo
big thank you sir mendoza sa inyong very comprehensive na explanation...
Maraming maraming salamat po! Marami akong na tutunan
sa inyo! Napaka galing nyong mag paliwanag..
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 .
Thank you sir. I have never seen someone as passionate as you are in what you are in teaching.
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!
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
Good Is good n he will never let it happen to us here in Phils. God bless everyone.
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 !!!
Sana lahat ganito kalinaw at kasimple magpaliwanag.. 👍
Ang galing ni Rex magpaliwanag! Idol talaga!
Thank you for explaining what happened and Yung pagsagot nyyo ng deretyuhan.
WoW malinaw ng explaination marami akong natutunan, maraming salamat po.
Thank you sir Rex for the simplified explanation of the current banking events!
Always looking forward to your videos!
Salamat po ulit!
Grabe yung info na nakukuha namin sa channel na to. Just so great!
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.
Great explanation!. Thanks boss Rex
Very good and simple explanation sa very complicated issue....thanks po a lot...
Salamat po sa magandang paliwanag di n po kami ng aalala
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 po po simplifying the Banks and financial system here in our Small But Learned Banking system thru Central Bank initiatives
naging simpleng kwento lang si SVB, galing mo sir rex. God Bless Always!
THANKS A LOT OUR AMAZING GURO,FOR VERY CLEAR EXPLANATION,
Best video nakita ko sa YT. Thanks sa explanation
Ganda naman ng discussion sir Rex😍🥰
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.
Buti nalang meron tayong nagiisang Rex Mendoza.Thank you Sir Rex. I am always informed and aware because of your videos. #KaRFF
Thanks for the very detailed explanation Boss Rex ..
Salamat sa mga ganitong video...mabuhay po kau!!!!
Thank you. Very informative. God bless the Philippines.
This deserve a million views
Very simple and easy to digest bro Rex Mabuhay Po kayo.
Thank You po for your knowledge and wisdom. Well explained ❤
Panalangin Po natin hindi mangyayari ang ganyan dto sa Pilipinas✌️🇵🇭❤️
Ok lang... DYOR ka na..
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!
Very healty discussion..thank you sir..
Thanks boss Rex for this very informative topic. God bless po
Thanks much po Sir Rex ! Much appreciated.
Very Informative. Thank you for making it understandable po.
Thanks for breaking it down samin sir Rex and rampver!
Napaka galing talaga sir Rex!
Grabe!! ang Galing Prof.
Fist time viewer here. As a student, I've learned a lot from your explanations sir. Super informative! Thank you so much, sir.
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.
I subscribed !😁 really like these kind of topics
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.
Salamat❗️⚘️ Subscribed na po❤
Mr rex mendoza lng Sakalam 💖
This is good!!! But I'm in the office, lunchbreak is over, I'll continue this at home tonight...can't wait =)
Great analysis of the situation as always.
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.
Ang galing! Ang details, sir looking forward sa feedback nyu sa rate cut. GDP thesis thank you
Salamat din po sa napaka linaw nyung paliwag sir.. Godbless po
Grabe sir Rex, you're gaining more confidence in our fellow bank depositors and investors.
Finally may nag explain na ❤
Thank you for sharing your wisdom Sir Rex! We appreciate you! salamat sa pag-educate sa amin :) God bless po!
Very comprehensive explanation Sir! Thanks so much. At least nabawasan ang psychological burden ko🤓🤓🤓
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😍👏..
No bank failures in the Philippines, no worries.
So lumalabas na mass matalino ang Mga pilipino bankers kaysa ibang Bansa🤣🤣🤣🤣
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.
Sir Rex, very educational po. Thank you very much and may God bless you always.
Thank you!!! Very helpful i've shared your video to family and friends!!!
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
Very well explained, Rex. Keep it up and More Power!
This is a valuable, clear, and crucial content. Thanks, Sir!❤
Thank you Sir Rex, this is very informative and enlightening for the common folk and newbie investors.
God bless po.
salamat po mas madaling maintindihan ang paliwanag nyo God Bless
Very well said. Thank you for the info and very comprehensive analysis 👍
Sa mga tinatamad pakinggan ung intro punta agad kayo sa 26:25 . Hahahaha! Not use if this was used for webinars pero sana po ay bagohin nyo po format. I think a 10-16 minute video will suffice to explain the topic. Broad topics should be explained in a separate video and link can be added to the related videos.
The comment that everyone needed, but didn't ask for. Thank you
Thank you, Sir Rex! Well explained. Very timely! 👍
Ganda ng explanation. maraming salamat po
I AM THANKING THE LORD FOR YOUR VIDEO. I HAVE BEEN SO WORRIED. YOU CANNOT IMAGINE. GOD BLESS YOU!!!
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....
Thank you po Boss Rex!
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
salamats po sa info malaki tulong mabuhay po
Thank you sir Rex,watching from Largo Florida U.S.A
Thank you Sir Rex and team 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
Yup, been auditing Investment Companies sa Hong Kong Market, napaka semsitive ng market now.
Thanks for this valuable lecture/information regarding the banking system.. especially the positive situation here in the Philippines..👆
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♥️
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.
Us and Europe difference they are more invested in bond and in directly investment the problem paper money and digital.... no actual
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 😊
Salamat po sir.marami po ako natutunan
Thank you for knowing your Channel
Wow! Thanks for this! Really informative! ❤🎉
Thank you for sharing your wisdom.
Thank you for the timely update, Boss Rex!!!
Very good explanation Sir Rex
i learned a lot. thank you sa info po sir :)
nag-aalala ako nung una pero ngayon hnd na po :)