Ppt banking final
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- 1. Metrobank was incorporated in Binondo,Manila by a group of Filipino businessmenprincipally to provide financial services tothe Filipino-Chinese community. It opened its first local branch in 1963, thenexpanded beyond Philippine shores only afew years after its establishment. Metrobank rolled out its first internationalbranch in Taipei in 1970 and arepresentative office in Hong Kong in 1973.
2. In 1975, Metrobank became the first of theprivate banks to move into American territorywhen it opened its office in Guam. It laterestablished branches in the United Statesmainland cities of Los Angeles and New York. It established Metrobank Foundation, Inc. in1979, putting emphasis on both businesssuccess and community contribution. TheFoundation has since become one of thelargest and most respected charitableorganizations in Asia. 3. In 1981, Metrobank was listed in the PhilippineStock Exchange and acquired its universalbanking license, gaining significant equityownerships in local and internationalsubsidiaries. It established its own credit card company,Unibancard Corporation (now Metrobank CardCorporation) in 1986. In 1988, Metrobank entered into a joint venturewith Japans largest automotive manufacturerand Mitsui Corporation to establish Toyota MotorPhilippines Corporation. 4. A decade later, it partnered with another globalgiant, the AXA Group, to give birth to PhilippineAXA Life Insurance Corporation. In 1990, Metrobank launched the countrys firstand only talking ATM, Metrobank E.T. In 1995, Metrobank became the first billiondollar bank with total capital of Php22.8 billion,the largest in the industry. It is the first localbank to raise supplementary capital overseaswith a total of US$325 million in Lower Tier 2Capital and Hybrid Tier 1 Capital in the years2003 to 2006. 5. Metrobank has also been steadily expandinginternationally. In the late 1990s, Metrobank opened branchesand offices in London, Taichung, Tokyo, andSeoul. Metrobank was the first to be granted a bankinglicense by the Japanese Ministry of Finance. Itwas also the first Philippine bank in Korea. In 2001, Metrobank became the first Philippinebank in China when it opened its branch inShanghai. 6. In 2010, Metrobank inaugurated itswholly-owned subsidiary,Metropolitan Bank (China) Limited,the first foreign bank headquarters tobe established in Nanjing. The newbank serves as the base forMetrobanks operations in China, withthree branches located in Nanjing andShanghai. 7. Allied Bank was incorporated on April 1, 1977and granted by the Central Bank of thePhilippines the Certificate of Authority to operateas a commercial bank on May 20, 1977. It began its operations on June 2, 1977 witharound 26 branches. On August 19, 1977, it was authorized tooperate an expanded foreign currency depositunit (FCDU), and in December 1981, it officiallybecame an expanded commercial bank oruniversal bank. 8. Today, Allied Bank operates a total of 283domestic branches/offices, including itssubsidiaries Allied Savings Bank (20branches), Allied Leasing and FinanceCorporation, and the PNB Life Insurance,Inc.-formerly New York Life InsurancePhilippines, Inc (NYLIP)-which was acquiredby the Bank in 2007. Aside from its local branch network, AlliedBank also operates 2 offshore branches inBahrain and in Guam; a wholly-owned 9. subsidiary in the United Kingdom (AlliedBank Philippines (UK) Plc) and a majority-owned subsidiary in Hong Kong (AlliedBanking Corporation (Hong Kong), Ltd.); amajority-owned commercial banksubsidiary in Xiamen, China (AlliedCommercial Bank); and an affiliatecommercial bank based in California, U.S.A.(Oceanic Bank), with offshore branches inSan Francisco (Union Square Branch) and inGuam (Guam Branch). 10. Representative offices were alsoestablished in Germany, Singaporeand Australia, andconsultancies/remittance desks inSaudi Arabia, Kuwait, Qatar and theUnited Arab Emirates. As of June 30,2009, Allied Bank was ranked 8thlargest private domestic bank in thecountry in terms of total deposits,total assets and net worth. 11. We envision: A professionally run,responsive, proactive, and creativeorganization through which the MetrobankGroup of Companies is able to express itscommitment to lead the private sector infostering holistic human development inboth the national and international arena,thereby effecting an empowered societywhose members are able to realize theirhuman potential. 12. To realize its vision, the Foundationshall: Propagate a culture ofexcellence with a human face byactively implementing, assisting,and supporting programs whichstrengthen and advance thestrategic sectors of society as well asrespond to the needs of thedisadvantaged. 13. To continually create value to be the preferential-universal Bank. 14. To be among the pillars of the bankingindustry, a strong and resilientinstitution committed to lastingpartnerships with and superiorservice to our clients; the well-beingof our employees; fair return onequity for our shareholders; andnational growth and development asfinancial catalyst. 15. Dr. George S. K. Ty Dr. Placido L. Mapa, Jr. Mr. Arthur V. Ty Mr. Aniceto M.Sobrepea Mrs. Elvira Ong Chan Mrs. Marixi R. Prieto Mrs. Milagros Drilon Mr. Alfred V. Ty 16. Lucio TanBonifacio N. Yao Domingo Chua Chairman Manuel GonzalesWilly CoAlfredo JimenezLucio Tan, Jr.Vice-Chairman Michael Tan MarianoWilfredo TeodoroTanenglianRufina T. YuDirectors Treasurer 17. LOANS Housing Loans Car Loans Corporate Loans 18. BUILD AND SAVEHOUSING LOAN TOP SPEEDAUTOLOANS SALARY LOANS 19. FINANCIAL STATEMENTSTATEMENT OF INCOME Years Ended December 31 20102009INTEREST INCOMELoans and Receivables4,518,081,459 3,884,251,224Trading and Investment Securities1,070,060,651 1,029,902,918Due from Other Banks and Interbank Loans and Securities purchased under resale agreements297,460,829 285,297,682 5,885,602,939 5,199,451,824INTEREST EXPENSEDeposit Liabilities1,328,326,559 1,443,096,651Subordinated Debt, bills payable and other borrowings238,817,217 226,825,672 20. 1,567,143,776 1,669,922,323 NET INTEREST INCOME4,318,449,163 3,529,529,501Service Charges, fees and commissions 1,341,778,345912,963,616 Trading and Securities gain1,155,256,556426,734,155 Foreign exchange Gain 293,709,143 235,186,952Gain on asset foreclosure 50,958,82791,981,538Trust income45,018,75469,955,713Dividend Income (-)190,106Gain on Sale of Assets42,281,466 104,001,967 Miscellaneous 146,967,03898,488,430 TOTAL OPERATING INCOME 7,394,419,292 5,469,031,978OPERATING EXPENSE 21. Provision for impairment and credit losses 1,552,210,920 1,237,230,547Compensation and fringe benefits 1,364,816,703 1,048,327,589Taxes and Licenses 452,494,683 378,278,074Rent 273,789,163 237,789,406Depreciation and Amortization250,852,503 278,692,701Amortization of intangible assets84,309,18563,911,769Miscellaneous1,636,446,589 1,536,916,828TOTAL OPERATING EXPENSE5,614,919,746 4,781,146,914INCOME BEFORE INCOME TAX 1,779,499,546 687,885,064PROVISION FOR (BENEFIT FROM) INCOME TAX-31,160,722 48,056,589NET INCOME 1,810,660,268 639,828,475 22. FINANCIAL STATEMENT STATEMENT OF INCOMEYear ended Dec. 31 2010 2009INTEREST INCOME ONLoans and Receivables 5,505,399 5,544,852Trading and Investment Securities 3,302,054 2,817,075Deposits with banks and interbank loans receivables 1,094,907 1,337,4009,632,360 9,699,327INTEREST EXPENSE ONDeposit Liabilities 2,466,055 2,821,659Bills payable and other borrowings375,019 389,3772,841,074 3,211,036 23. 6,488,29NET INTEREST INCOME6,791,2861Commission and handling charges 796,561345,742Trading and investment securities gain902,400134,392Gain on acquisition of investment properties 30,532 89,098Foreign Exchange gains 30,914768,931 1,553,00Miscellaneous1,848,2693 10,399,96 9,379,45TOTAL OPERATING INCOME 27 2,440,55Compensation and fringe benefits 2,768,1319Provision for credit and impairment losses 1,252,727 884,693Occupancy and other equipment-related cost856,468818,673Taxes and licenses798,053840,277Depreciation and Ammortization460,049459,531 24. 2,391,89 2,200,0Miscellaneous 7 20 8,527,32 7,643,7TOTAL OPERATING EXPENSES5 53INCOME BEFORE INCOME TAX FROM CONTINUING 1,872,63 1,735,7OPERATIONS7 04561,50PROVISION FOR INCOME TAX 609,3250 1,263,31 1,174,2NET INCOME FROM CONTINUING OPERATIONS 2 04NET INCOME FROM DISPOSAL GROUP35,090 21,613 1,298,40 1,195,8NET INCOME2 17 25. Metrohome Financing -- the easy and affordableway to own a home.Whether its for: Purchase of a house and lot Purchase of a lot and house construction thereon Purchase of a townhouse Purchase of a condominium Purchase of a lot House renovation Home loan refinancing 26. MetroHome Financing is the package for you. Avail of: Low interest rates that may be fixed for the 1st year, 1sttwo years, three years, or even five years Flexible terms of up to 20 years 20 years maximum for purchase of house and lot or townhouse 15 years maximum for purchase of condominium, refinancing, reimbursement and home renovation 10 years maximum for lot purchase High loan amounts - borrow up to 70% of the propertysappraised value Worry-free loan repayment through the issuance ofpost-dated checks or automatic debit arrangement 27. Interest Fixing Interest Rate1-year fixed5.50%2-year fixed7.25%3-year fixed7.50%4-year fixed8%5-year fixed8.50%6-10 year fixed 9.75% 28. MetroCar loans let you avail the car youve beendreaming of with just a favorable amount of ratesLOAN TERMADD-ON LOAN TERM ADD-ON RATE RATE12 months4.77%36 months 15.21%18 months7.20%48 months 20.65%24 months9.91%60 months 27.28% 29. Metrobank help grow business by providing the funding you need to reach your goals. Loans for Capital ExpendituresFor companys capital expenditures and expansion, choose among 7products and services that fit your business cash flow and peculiarities. Corporate Finance and Consultancythey offer various ways for company to meet its funding requirements ofat least P300 million, allowing to pursue projects according to cash flowpattern. SME & Other Government Supported Loansthey provide low-cost funding to small-, medium-, and large-scaleenterprises to finance certain projects that fall within the Governmentspriority list. These funds may be availed for short- to long-term periods.Most may be used as working capital, funding to acquire fixed assets, orboth. 30. StrengthsOpportunities Strategic Agreements Higher returns Increasing demand for Capital Adequacy loansRatio Increasing value of peso Declining NPLs Threats Uncertain market andWeaknesses economic conditions Increased debt Stiff competitionburden Acquisition/merging/expa nsion of universal banks 31. External OpportunitiesExternal Threats 1. Strategic agreements 1. Acquisition/ Merging/ 2. Increasing value of peso Expansion of universal 3. In demand loans from banks consumers 2. Uncertain market and economic conditionsInternal StrengthsSOST1. Higher returns 1. Attract more investors 1. Acquire commercial2. Capital Adequacy Ratio 2. Generate more interestbanksis above the banking income 2. Buy more securities andindustry percentageequity3. Declining NPLsInternal WeaknessesWO WT1. Increased debt burden 1. Guerilla Marketing1. Corporate and risk2. Inadequate number of 2. Increase number ofGovernancebranchesbranches 32. The only Housing Loan Programthat lets you earn rebates on yourloan by maintaining deposit withus. So, make full use of yourdeposits and live your dream housewith Allied Bank Build & SaveHousing Loan. 33. Fixing PeriodRate1 year8.50%2 years 9.00%3 years 9.50%4 years 9.75%5 years 9.75%10 years11.50%15 years11.50% 34. Choose among your home financingneeds: Purchase of House & Lot / Condominium House Construction Purchase of Lot Refinancing House Renovation / Expansion Reimbursement 35. Pay your monthlyamortization through Post-dated Checks or Automatic DebitArrangement of your AlliedBank account 36. FEATURES: Covers BRAND NEW vehicle types (cars,vans, SUVs & AUVs) Loanable amount of up to 80% of the unitprice Easy monthly payments through Post-datedChecks or Automatic Debit arrangement ofyour Allied Bank Account. 37. As of March 2011Rate (One MonthTERMRate (In-Arrears)Advance)12 months5.05%4.25%18 months7.52%6.70%24 months 10.18%9.32%36 months 15.62% 14.70%48 months 22.38% 21.35%60 months 29.50% 28.36% 38. Designed to augment financial need ofemployes of accredited companies.Employees in need can now manage theirbudget and enjoy life through hassle free loanapplication and loan payment. All regular employees of accreditedcompanies can avail of up to three times (3x)of their Gross Monthly Salary. Monthly salary deductions will be arrangedwith your employer so you dont have toworry of remitting your payment. 39. STRENGTHS: OPPORTUNITIES: Strongest Online System Make personal loans Largest ATM Network Car leasing Shifted from nationalize to Reduced transactioncontemporary area of banking charges Strong corporate culture Use of media forpromotionWEAKNESSES:THREATS: Branches are not renovated in Strong competitionsome areas among other banks No use of electronic media for Financial recessionpromotion of services No proper HR Management Attitude of customers No proper segmentation Falling KIBER rate 40. Use your Metrobank Credit Card to dineand shop and indulge in over 42 millionVisa and MasterCard establishments,worldwide. 41. Discover the meaning of True Power with the MetrobankPlatinum MasterCard.Features:Credit LimitThe Metrobank Platinum MasterCard comes with a higher creditlimit.Free Supplementary Card for Lifelifetime annual fee waiver for 1st supplementary cardholder. 42. The Metrobank Dollar MasterCard is the only card you will everneed for your US Dollar transactions.Features: Get billed in US Dollars The US Dollar MasterCard allows you to get charged in US dollarsso that you dont need to worry about foreign exchange ratefluctuations. Free Travel Insurance Receive FREE accidental death/disablement travel insurance whenyou purchase your airline ticket using your Metrobank DollarMasterCard. 43. The Metrobank M Lite MasterCard is the bestcredit card for the savvy spender aiming forbetter finance management.Features: Lower finance charge Enjoy the lowest finance charge in the market at2.49% with the M Lite MasterCard 44. Metrobanks M Free MasterCard is the noannual fee, no frills credit card!Features: Perpetually waived annual fee Get the benefits of using a credit card withoutthe need to pay the annual fee for life. 45. When family becomes the priority, the PSBank MasterCardprovides the widest range of benefits that keep your lovedones in mind.Features: Family Rewards Earn 1 point for every Php20.00 that you spend using yourPSBank MasterCard. Use your points and redeem premiumitems or air miles from Philippine Airlines, Cathay PacificAirlines or Singapore Airlines. Learn more about our rewardsprogram, PSBank Rewards Catalogue. 46. Enhance your drive with the countrys first complete motoristcard.Exclusive Features: 10% discount at all Toyota dealersApplies to genuine accessories, parts and labor. Rewards Points for all your spending1 Point for every Php 20 spend everywhere Double Points at yourpreferred Toyota dealer. 3% fuel rebate at PetronOver 400 participating stations nationwide. 24/7 roadside assistance 47. Features: Fly/Buy points for all your spending For Classic MasterCard: Earn one (1) Fly/Buy Point for every P200 spend anywhere. Earn double Fly/Buy Points for every P200 spend when you shop at any Robinsons stores or purchase Cebu Pacific tickets at www.cebupacificair.com or any Cebu Pacific ticketing office. For Gold MasterCard: Earn one (1) Fly/Buy Point for every P200 spend anywhere. Earn double Fly/Buy Points for every P200 spend when you purchase Cebu Pacific tickets at www.cebupacificair.com or any Cebu Pacific ticketing office and when you use your card abroad. Earn triple Fly/Buy Points for every P200 spend when you shop at any Robinsons stores. 48. Metrobank Femme Visa - the credit card for themodern and independent career woman.Features: Exclusive Metrobank Femme Visa Features Enroll in the femme Road side Asistance and PersonalAccident Insurance Program and get InsuranceCoverage of up to php. 200,000 maximum benefit forjust php.500 per year. 49. Allied Bank Essentials MasterCard offers the ultimatepayment convenience in shopping, traveling or dining out- and these are just a few of the simple passions that aremade more enjoyable with Allied Bank EssentialsMasterCard. 50. ,pleasures come without boundaries. Keep up todate on the latest fashion, dine in the finestrestaurants and conquer new horizons with adiversity of perks and discounts only with AlliedBank Premium MasterCard. 51. OUR BANKING SYSTEM TODAY:The Banking Business as we know it today iscomposed of three separate and distinctprincipal functions.1. The acquiring of funds to invest and loan.2. The investing of such funds in loans andbonds.3. The servicing of such funds, such as providingchecks, drafts and etc. 52. The Metrobank and Allied Bank are both universal and commercial bankCommercial bank defined as moneyed corporation.to receive deposits.pay such funds.to lend money.to make collectives 53. engaged in commercialbanking and related serviceslending products includeseasonal finance,agricultural finance, tradefinance, running finance anddemand finance. 54. offers leasing for machinery,commercial vehicles, vehiclesand equipments. has the largest ATM networkin the country and it is amongthe top rated bank in ourcountry. 55. In terms of other services and foundations. 56. Offers different promos and foundations. 57. BOOKS ACROSS THE SEAS(BATS) FOUNDATION FORUPGRADING THE STANDARDOF EDUCATION (FUSE) 58. MAGDALAGA, MARIE LOUISE MAGNAYON, GERIMAICA LITADA, MHAY ALEJO, ANGELICA GUARDIAN, PRINCESS SANTOS, KAYECIE GANTONG, DAPHNE