Demand Deposit - Current Deposit

Deposit Substitutes
Merchant Banking services - POS or Point of Sale
Manager's Check - checking of validity if the cheque is valid or not (atleast
PHP100,000)
Foreign Telegraphic Transfer - transaction in abroad
Safety Deposit Box (SDP) - payment is annually. It depends also on the size.
SDB Key -
Treasury Bills - for additional funds for the government. Short-term (less than one
year)
- treasury bills offered by the government anyone can avail of it
though short term lang siya me 45 days 60 days 90 days

Derivative products -
ESCROW Account - Ito yung mag i-invest ka ng pera or meron kang pagbibigyan in the
future
and magse-set ka ng age kung kailan niya pwede ito makuha (i.g 21 years
old)
Affiliates - less than 50% ownership
Subsidiary - more than 50% ownership
Convergence -

Aggressive -
Moderate -
Conservative -