Array
(
    [results] => Array
        (
            [0] => Array
                (
                    [ArticleID] => 2405498
                    [Title] => Lower interest rates seen to dampen banks’ earnings
                    [Summary] => Philippine banks are likely to feel one of the largest impacts of declining interest rates in Asia-Pacific, with Fitch Ratings projecting significant pressure on local lenders’ profitability.
                    [DatePublished] => 2024-12-07 00:00:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1808134
                    [AuthorName] => Keisha Ta-Asan
                    [SectionName] => Business
                    [SectionUrl] => business
                    [URL] => 
                )

            [1] => Array
                (
                    [ArticleID] => 2403637
                    [Title] => 2 rural banks merge, 1 ordered closed
                    [Summary] => The Philippine rural banking sector saw numerous regulatory actions in recent months, as two rural banks have consolidated their operations while one lender was ordered to close shop.
                    [DatePublished] => 2024-11-29 00:00:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1808134
                    [AuthorName] => Keisha Ta-Asan
                    [SectionName] => Business
                    [SectionUrl] => business
                    [URL] => 
                )

            [2] => Array
                (
                    [ArticleID] => 2403785
                    [Title] => 4 domestic banks hindi popondohan ng karagdagang karbon
                    [Summary] => Apat na pangunahing domestic banks sa bansa na tumangging pondohan at suportahan ang karagdagang karbon, kabilang ang pagpapalawak ng proyekto ng Therma Visayas Inc. sa Toledo, Cebu.
                    [DatePublished] => 2024-11-29 00:00:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1804759
                    [AuthorName] => Doris Franche-Borja
                    [SectionName] => Police Metro
                    [SectionUrl] => police-metro
                    [URL] => 
                )

            [3] => Array
                (
                    [ArticleID] => 2396361
                    [Title] => Metrobank Q3 profit: P12.1B (up 11% y/y)
                    [Summary] => Metrobank posted a Q3 net income of P12.1 billion, up 11% y/y from its Q3/23 net income of P10.9 billion, and up 5% q/q from its Q2/24 net income of P11.6 billion. 
                    [DatePublished] => 2024-10-30 08:00:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 
                    [AuthorName] => 
                    [SectionName] => Stock Commentary
                    [SectionUrl] => stock-commentary
                    [URL] => https://media.philstar.com/photos/2024/10/30/ph-banks-2_2024-10-30_08-58-31861_thumbnail.jpg
                )

            [4] => Array
                (
                    [ArticleID] => 2394230
                    [Title] => ‘High household debt risky for Philippines banks’
                    [Summary] => Banks in the Philippines are facing moderate risk from household debts given the still huge proportion of underserved Filipinos from formal financial institutions, even as interest rates were the steepest in the country, a global credit watcher said.
                    [DatePublished] => 2024-10-22 00:00:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1475310
                    [AuthorName] => Louise Maureen Simeon
                    [SectionName] => Business
                    [SectionUrl] => business
                    [URL] => https://media.philstar.com/photos/2024/10/21/6_2024-10-21_18-58-27717_thumbnail.jpg
                )

            [5] => Array
                (
                    [ArticleID] => 2387190
                    [Title] => Bank reserves cut seen to unleash P300 billion
                    [Summary] => The reduction in banks’ reserve requirement ratios last week will inject over P300 billion in liquidity into the financial system, which would help boost economic growth, analysts said.
                    [DatePublished] => 2024-09-23 00:00:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1808134
                    [AuthorName] => Keisha Ta-Asan
                    [SectionName] => Business
                    [SectionUrl] => business
                    [URL] => https://media.philstar.com/photos/2024/09/22/3_2024-09-22_18-24-49666_thumbnail.jpg
                )

            [6] => Array
                (
                    [ArticleID] => 2381429
                    [Title] => Singlife Philippines empowers Filipinos to build financial protection with ‘Super Boost’ interest earnings
                    [Summary] => Singlife Philippines launched its Super Boost Rewards Program, which gives customers with active financial protection plans in the Singlife Plan and Protect App a remarkable opportunity: up to a 15% per annum* net interest rate on their Singlife Account.
                    [DatePublished] => 2024-09-06 11:00:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 
                    [AuthorName] => 
                    [SectionName] => The Budgetarian
                    [SectionUrl] => the-budgetarian
                    [URL] => https://media.philstar.com/photos/2024/08/29/singlife-super-boost-lead_2024-08-29_10-47-31126_thumbnail.jpg
                )

            [7] => Array
                (
                    [ArticleID] => 2370386
                    [Title] => Banks’ real estate lending grows in Q1
                    [Summary] => The exposure of Philippine banks and trust entities to the volatile property segment inched up to 20.31 percent as of end-March from 20.17 percent as of end-December last year, amid higher non-performing real estate loans.
                    [DatePublished] => 2024-07-16 00:00:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1808134
                    [AuthorName] => Keisha Ta-Asan
                    [SectionName] => Business
                    [SectionUrl] => business
                    [URL] => https://media.philstar.com/photos/2024/07/15/a159_2024-07-15_18-59-28536_thumbnail.jpg
                )

            [8] => Array
                (
                    [ArticleID] => 2367464
                    [Title] => Bank loans used as RRR compliance down in May
                    [Summary] => Thrift and rural banks continued to extend loans to micro, small and medium enterprises  and large companies as alternative compliance with the reserve requirement ratio, releasing P6.5 billion loans in May, the Bangko Sentral ng Pilipinas  said.
                    [DatePublished] => 2024-07-04 00:00:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1808134
                    [AuthorName] => Keisha Ta-Asan
                    [SectionName] => Business
                    [SectionUrl] => business
                    [URL] => https://media.philstar.com/photos/2024/07/03/loan_2024-07-03_18-31-28_thumbnail.jpg
                )

            [9] => Array
                (
                    [ArticleID] => 2366967
                    [Title] => Banks, firms urged to tap bond market
                    [Summary] =>  Philippine companies, particularly banks, should tap the bond market to raise fresh capital as this would provide a stable source of funds that can be issued quickly to a large investor base and at a lower cost.
                    [DatePublished] => 2024-07-02 00:00:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1805259
                    [AuthorName] => Richmond Mercurio
                    [SectionName] => Business
                    [SectionUrl] => business
                    [URL] => https://media.philstar.com/photos/2024/07/01/bsp_2024-07-01_21-26-34336_thumbnail.jpg
                )

        )

)

banks

Array
(
    [results] => Array
        (
            [0] => Array
                (
                    [ArticleID] => 2405498
                    [Title] => Lower interest rates seen to dampen banks’ earnings
                    [Summary] => Philippine banks are likely to feel one of the largest impacts of declining interest rates in Asia-Pacific, with Fitch Ratings projecting significant pressure on local lenders’ profitability.
                    [DatePublished] => 2024-12-07 00:00:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1808134
                    [AuthorName] => Keisha Ta-Asan
                    [SectionName] => Business
                    [SectionUrl] => business
                    [URL] => 
                )

            [1] => Array
                (
                    [ArticleID] => 2403637
                    [Title] => 2 rural banks merge, 1 ordered closed
                    [Summary] => The Philippine rural banking sector saw numerous regulatory actions in recent months, as two rural banks have consolidated their operations while one lender was ordered to close shop.
                    [DatePublished] => 2024-11-29 00:00:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1808134
                    [AuthorName] => Keisha Ta-Asan
                    [SectionName] => Business
                    [SectionUrl] => business
                    [URL] => 
                )

            [2] => Array
                (
                    [ArticleID] => 2403785
                    [Title] => 4 domestic banks hindi popondohan ng karagdagang karbon
                    [Summary] => Apat na pangunahing domestic banks sa bansa na tumangging pondohan at suportahan ang karagdagang karbon, kabilang ang pagpapalawak ng proyekto ng Therma Visayas Inc. sa Toledo, Cebu.
                    [DatePublished] => 2024-11-29 00:00:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1804759
                    [AuthorName] => Doris Franche-Borja
                    [SectionName] => Police Metro
                    [SectionUrl] => police-metro
                    [URL] => 
                )

            [3] => Array
                (
                    [ArticleID] => 2396361
                    [Title] => Metrobank Q3 profit: P12.1B (up 11% y/y)
                    [Summary] => Metrobank posted a Q3 net income of P12.1 billion, up 11% y/y from its Q3/23 net income of P10.9 billion, and up 5% q/q from its Q2/24 net income of P11.6 billion. 
                    [DatePublished] => 2024-10-30 08:00:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 
                    [AuthorName] => 
                    [SectionName] => Stock Commentary
                    [SectionUrl] => stock-commentary
                    [URL] => https://media.philstar.com/photos/2024/10/30/ph-banks-2_2024-10-30_08-58-31861_thumbnail.jpg
                )

            [4] => Array
                (
                    [ArticleID] => 2394230
                    [Title] => ‘High household debt risky for Philippines banks’
                    [Summary] => Banks in the Philippines are facing moderate risk from household debts given the still huge proportion of underserved Filipinos from formal financial institutions, even as interest rates were the steepest in the country, a global credit watcher said.
                    [DatePublished] => 2024-10-22 00:00:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1475310
                    [AuthorName] => Louise Maureen Simeon
                    [SectionName] => Business
                    [SectionUrl] => business
                    [URL] => https://media.philstar.com/photos/2024/10/21/6_2024-10-21_18-58-27717_thumbnail.jpg
                )

            [5] => Array
                (
                    [ArticleID] => 2387190
                    [Title] => Bank reserves cut seen to unleash P300 billion
                    [Summary] => The reduction in banks’ reserve requirement ratios last week will inject over P300 billion in liquidity into the financial system, which would help boost economic growth, analysts said.
                    [DatePublished] => 2024-09-23 00:00:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1808134
                    [AuthorName] => Keisha Ta-Asan
                    [SectionName] => Business
                    [SectionUrl] => business
                    [URL] => https://media.philstar.com/photos/2024/09/22/3_2024-09-22_18-24-49666_thumbnail.jpg
                )

            [6] => Array
                (
                    [ArticleID] => 2381429
                    [Title] => Singlife Philippines empowers Filipinos to build financial protection with ‘Super Boost’ interest earnings
                    [Summary] => Singlife Philippines launched its Super Boost Rewards Program, which gives customers with active financial protection plans in the Singlife Plan and Protect App a remarkable opportunity: up to a 15% per annum* net interest rate on their Singlife Account.
                    [DatePublished] => 2024-09-06 11:00:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 
                    [AuthorName] => 
                    [SectionName] => The Budgetarian
                    [SectionUrl] => the-budgetarian
                    [URL] => https://media.philstar.com/photos/2024/08/29/singlife-super-boost-lead_2024-08-29_10-47-31126_thumbnail.jpg
                )

            [7] => Array
                (
                    [ArticleID] => 2370386
                    [Title] => Banks’ real estate lending grows in Q1
                    [Summary] => The exposure of Philippine banks and trust entities to the volatile property segment inched up to 20.31 percent as of end-March from 20.17 percent as of end-December last year, amid higher non-performing real estate loans.
                    [DatePublished] => 2024-07-16 00:00:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1808134
                    [AuthorName] => Keisha Ta-Asan
                    [SectionName] => Business
                    [SectionUrl] => business
                    [URL] => https://media.philstar.com/photos/2024/07/15/a159_2024-07-15_18-59-28536_thumbnail.jpg
                )

            [8] => Array
                (
                    [ArticleID] => 2367464
                    [Title] => Bank loans used as RRR compliance down in May
                    [Summary] => Thrift and rural banks continued to extend loans to micro, small and medium enterprises  and large companies as alternative compliance with the reserve requirement ratio, releasing P6.5 billion loans in May, the Bangko Sentral ng Pilipinas  said.
                    [DatePublished] => 2024-07-04 00:00:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1808134
                    [AuthorName] => Keisha Ta-Asan
                    [SectionName] => Business
                    [SectionUrl] => business
                    [URL] => https://media.philstar.com/photos/2024/07/03/loan_2024-07-03_18-31-28_thumbnail.jpg
                )

            [9] => Array
                (
                    [ArticleID] => 2366967
                    [Title] => Banks, firms urged to tap bond market
                    [Summary] =>  Philippine companies, particularly banks, should tap the bond market to raise fresh capital as this would provide a stable source of funds that can be issued quickly to a large investor base and at a lower cost.
                    [DatePublished] => 2024-07-02 00:00:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1805259
                    [AuthorName] => Richmond Mercurio
                    [SectionName] => Business
                    [SectionUrl] => business
                    [URL] => https://media.philstar.com/photos/2024/07/01/bsp_2024-07-01_21-26-34336_thumbnail.jpg
                )

        )

)

abtest