Array
(
    [results] => Array
        (
            [0] => Array
                (
                    [ArticleID] => 2540294
                    [Title] => List of banks, e-wallets that cut, waived InstaPay, PESONet transfer fees
                    [Summary] => 
(2nd update) Digital transfer fees are falling as banks and e-wallets adjust to new BSP pricing rules.

                    [DatePublished] => 2026-07-10 08:59:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1807045
                    [AuthorName] => Ana Crescini
                    [SectionName] => The Budgetarian
                    [SectionUrl] => the-budgetarian
                    [URL] => https://media.philstar.com/photos/2026/07/06/waived-transfer-fees-pesonet-instapay_2026-07-06_20-34-00235_thumbnail.jpg
                )

            [1] => Array
                (
                    [ArticleID] => 2541035
                    [Title] => More banks scrap digital transfer fees
                    [Summary] => 
More banks are removing fees on digital fund transfers, as lenders move to make mobile banking more affordable amid the growing shift to electronic payments.

                    [DatePublished] => 2026-07-10 00:00:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1808134
                    [AuthorName] => Keisha Ta-Asan
                    [SectionName] => Business
                    [SectionUrl] => business
                    [URL] => https://media.philstar.com/photos/2026/07/09/12026-07-0418-37-29_2026-07-09_20-44-49218_thumbnail.jpg
                )

            [2] => Array
                (
                    [ArticleID] => 2539819
                    [Title] => More banks to cut, waive online transfer fees – BSP
                    [Summary] => 
More banks are expected to waive or lower electronic transfer fees in the coming days after two lenders moved to make InstaPay transactions free for their digital banking customers, the Bangko Sentral ng Pilipinas said.

                    [DatePublished] => 2026-07-05 00:00:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1808134
                    [AuthorName] => Keisha Ta-Asan
                    [SectionName] => Business
                    [SectionUrl] => business
                    [URL] => https://media.philstar.com/photos/2026/07/04/1_2026-07-04_18-37-29407_thumbnail.jpg
                )

            [3] => Array
                (
                    [ArticleID] => 2539566
                    [Title] => Debt burden tests fiscal credibility
                    [Summary] => 
Rising debt keeps pressure on fiscal credibility as growth slows and borrowing costs remain elevated.

                    [DatePublished] => 2026-07-03 12:04:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 
                    [AuthorName] => 
                    [SectionName] => Stock Commentary
                    [SectionUrl] => stock-commentary
                    [URL] => https://media.philstar.com/photos/2026/01/12/ab-capitallead-4_2026-01-12_09-57-47834_thumbnail.jpg
                )

            [4] => Array
                (
                    [ArticleID] => 2526077
                    [Title] => Metrobank in Q1: Defensive positioning with limited ROE upside
                    [Summary] => 
MBT stayed defensively positioned, but weaker PPOP growth and limited ROE upside drove a downgrade to Neutral.

                    [DatePublished] => 2026-05-06 12:29:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 
                    [AuthorName] => 
                    [SectionName] => Stock Commentary
                    [SectionUrl] => stock-commentary
                    [URL] => https://media.philstar.com/photos/2026/01/12/ab-capitallead-4_2026-01-12_09-57-47834_thumbnail.jpg
                )

            [5] => Array
                (
                    [ArticleID] => 2522294
                    [Title] => Early credit stress signals emerge beneath stable defaults
                    [Summary] => 
Borrower behavior shows early stress signs, even as default rates remain broadly stable.

                    [DatePublished] => 2026-04-20 09:56:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 
                    [AuthorName] => 
                    [SectionName] => Stock Commentary
                    [SectionUrl] => stock-commentary
                    [URL] => https://media.philstar.com/photos/2026/01/09/ab-capital-mockup-3cobranded_2026-01-09_10-08-1419_thumbnail.jpg
                )

            [6] => Array
                (
                    [ArticleID] => 2520029
                    [Title] => Asset quality trends show gradual normalization
                    [Summary] => 
Bank NPLs rose in February, though system buffers and provisioning remain supportive.

                    [DatePublished] => 2026-04-10 16:51:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 
                    [AuthorName] => 
                    [SectionName] => Stock Commentary
                    [SectionUrl] => stock-commentary
                    [URL] => https://media.philstar.com/photos/2026/01/09/ab-capital-mockup-3cobranded_2026-01-09_10-08-1419_thumbnail.jpg
                )

            [7] => Array
                (
                    [ArticleID] => 2519118
                    [Title] => Banks’ exposure to real estate lowest in 7 years
                    [Summary] => 
The exposure of Philippine banks and trust entities to the volatile property sector dropped to a seven-year low of 18.93 percent in 2025, data from the Bangko Sentral ng Pilipinas showed.

                    [DatePublished] => 2026-04-07 00:00:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1808134
                    [AuthorName] => Keisha Ta-Asan
                    [SectionName] => Business
                    [SectionUrl] => business
                    [URL] => https://media.philstar.com/photos/2026/04/06/1_2026-04-06_19-40-48577_thumbnail.jpg
                )

            [8] => Array
                (
                    [ArticleID] => 2512510
                    [Title] => BSP tightens reporting rules for banks
                    [Summary] => 
The Bangko Sentral ng Pilipinas has tightened oversight of banks’ regulatory reporting. It introduced stricter governance requirements and new submission deadlines. The BSP also added a new penalty framework to improve the quality and timeliness of prudential data.

                    [DatePublished] => 2026-03-07 00:00:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1808134
                    [AuthorName] => Keisha Ta-Asan
                    [SectionName] => Business
                    [SectionUrl] => business
                    [URL] => https://media.philstar.com/photos/2026/03/06/4_2026-03-06_19-13-15903_thumbnail.jpg
                )

            [9] => Array
                (
                    [ArticleID] => 2510363
                    [Title] => PNB: Consumer-led growth lifts FY25 earnings
                    [Summary] => 
PNB earnings rose on faster consumer loan growth and lower provisions, though asset quality still trails peers.

                    [DatePublished] => 2026-02-24 13:20:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 
                    [AuthorName] => 
                    [SectionName] => Stock Commentary
                    [SectionUrl] => stock-commentary
                    [URL] => https://media.philstar.com/photos/2026/01/12/ab-capitallead-4_2026-01-12_09-57-47834_thumbnail.jpg
                )

        )

)

banks

Array
(
    [results] => Array
        (
            [0] => Array
                (
                    [ArticleID] => 2540294
                    [Title] => List of banks, e-wallets that cut, waived InstaPay, PESONet transfer fees
                    [Summary] => 
(2nd update) Digital transfer fees are falling as banks and e-wallets adjust to new BSP pricing rules.

                    [DatePublished] => 2026-07-10 08:59:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1807045
                    [AuthorName] => Ana Crescini
                    [SectionName] => The Budgetarian
                    [SectionUrl] => the-budgetarian
                    [URL] => https://media.philstar.com/photos/2026/07/06/waived-transfer-fees-pesonet-instapay_2026-07-06_20-34-00235_thumbnail.jpg
                )

            [1] => Array
                (
                    [ArticleID] => 2541035
                    [Title] => More banks scrap digital transfer fees
                    [Summary] => 
More banks are removing fees on digital fund transfers, as lenders move to make mobile banking more affordable amid the growing shift to electronic payments.

                    [DatePublished] => 2026-07-10 00:00:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1808134
                    [AuthorName] => Keisha Ta-Asan
                    [SectionName] => Business
                    [SectionUrl] => business
                    [URL] => https://media.philstar.com/photos/2026/07/09/12026-07-0418-37-29_2026-07-09_20-44-49218_thumbnail.jpg
                )

            [2] => Array
                (
                    [ArticleID] => 2539819
                    [Title] => More banks to cut, waive online transfer fees – BSP
                    [Summary] => 
More banks are expected to waive or lower electronic transfer fees in the coming days after two lenders moved to make InstaPay transactions free for their digital banking customers, the Bangko Sentral ng Pilipinas said.

                    [DatePublished] => 2026-07-05 00:00:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1808134
                    [AuthorName] => Keisha Ta-Asan
                    [SectionName] => Business
                    [SectionUrl] => business
                    [URL] => https://media.philstar.com/photos/2026/07/04/1_2026-07-04_18-37-29407_thumbnail.jpg
                )

            [3] => Array
                (
                    [ArticleID] => 2539566
                    [Title] => Debt burden tests fiscal credibility
                    [Summary] => 
Rising debt keeps pressure on fiscal credibility as growth slows and borrowing costs remain elevated.

                    [DatePublished] => 2026-07-03 12:04:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 
                    [AuthorName] => 
                    [SectionName] => Stock Commentary
                    [SectionUrl] => stock-commentary
                    [URL] => https://media.philstar.com/photos/2026/01/12/ab-capitallead-4_2026-01-12_09-57-47834_thumbnail.jpg
                )

            [4] => Array
                (
                    [ArticleID] => 2526077
                    [Title] => Metrobank in Q1: Defensive positioning with limited ROE upside
                    [Summary] => 
MBT stayed defensively positioned, but weaker PPOP growth and limited ROE upside drove a downgrade to Neutral.

                    [DatePublished] => 2026-05-06 12:29:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 
                    [AuthorName] => 
                    [SectionName] => Stock Commentary
                    [SectionUrl] => stock-commentary
                    [URL] => https://media.philstar.com/photos/2026/01/12/ab-capitallead-4_2026-01-12_09-57-47834_thumbnail.jpg
                )

            [5] => Array
                (
                    [ArticleID] => 2522294
                    [Title] => Early credit stress signals emerge beneath stable defaults
                    [Summary] => 
Borrower behavior shows early stress signs, even as default rates remain broadly stable.

                    [DatePublished] => 2026-04-20 09:56:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 
                    [AuthorName] => 
                    [SectionName] => Stock Commentary
                    [SectionUrl] => stock-commentary
                    [URL] => https://media.philstar.com/photos/2026/01/09/ab-capital-mockup-3cobranded_2026-01-09_10-08-1419_thumbnail.jpg
                )

            [6] => Array
                (
                    [ArticleID] => 2520029
                    [Title] => Asset quality trends show gradual normalization
                    [Summary] => 
Bank NPLs rose in February, though system buffers and provisioning remain supportive.

                    [DatePublished] => 2026-04-10 16:51:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 
                    [AuthorName] => 
                    [SectionName] => Stock Commentary
                    [SectionUrl] => stock-commentary
                    [URL] => https://media.philstar.com/photos/2026/01/09/ab-capital-mockup-3cobranded_2026-01-09_10-08-1419_thumbnail.jpg
                )

            [7] => Array
                (
                    [ArticleID] => 2519118
                    [Title] => Banks’ exposure to real estate lowest in 7 years
                    [Summary] => 
The exposure of Philippine banks and trust entities to the volatile property sector dropped to a seven-year low of 18.93 percent in 2025, data from the Bangko Sentral ng Pilipinas showed.

                    [DatePublished] => 2026-04-07 00:00:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1808134
                    [AuthorName] => Keisha Ta-Asan
                    [SectionName] => Business
                    [SectionUrl] => business
                    [URL] => https://media.philstar.com/photos/2026/04/06/1_2026-04-06_19-40-48577_thumbnail.jpg
                )

            [8] => Array
                (
                    [ArticleID] => 2512510
                    [Title] => BSP tightens reporting rules for banks
                    [Summary] => 
The Bangko Sentral ng Pilipinas has tightened oversight of banks’ regulatory reporting. It introduced stricter governance requirements and new submission deadlines. The BSP also added a new penalty framework to improve the quality and timeliness of prudential data.

                    [DatePublished] => 2026-03-07 00:00:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 1808134
                    [AuthorName] => Keisha Ta-Asan
                    [SectionName] => Business
                    [SectionUrl] => business
                    [URL] => https://media.philstar.com/photos/2026/03/06/4_2026-03-06_19-13-15903_thumbnail.jpg
                )

            [9] => Array
                (
                    [ArticleID] => 2510363
                    [Title] => PNB: Consumer-led growth lifts FY25 earnings
                    [Summary] => 
PNB earnings rose on faster consumer loan growth and lower provisions, though asset quality still trails peers.

                    [DatePublished] => 2026-02-24 13:20:00
                    [ColumnID] => 0
                    [Focus] => 1
                    [AuthorID] => 
                    [AuthorName] => 
                    [SectionName] => Stock Commentary
                    [SectionUrl] => stock-commentary
                    [URL] => https://media.philstar.com/photos/2026/01/12/ab-capitallead-4_2026-01-12_09-57-47834_thumbnail.jpg
                )

        )

)

abtest