Security bank
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Transcript of Security bank
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Security BankPrinciples of Finance
07/31/2013
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Sources of Funds/Revenues
• Deposits from the account holders
• Service charges
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Fund Allocation
• Lending to clients
• Investment on non-bank companies
• Expansion
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Products and Services
Banking
• Savings
• Checking
• Time Deposits
• e-Banking
• Credit Cards
• Prepaid and Debit Cards
• Gift Cards
• eGiftCards
• Collection Services
• Disbursement Facility
• Banking Services
Trust and Investments
• Unit Investment Trust Funds
• Investment Management Accounts
• Regular Personal Trust
• Escrow
• Government Securities
• GOCC-issued Bonds
• Philippine Corporate Bonds
• US Dollar Bonds
• Foreign Exchange & Derivatives
Loanshttp://www.securitybank.com/
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Types of Loans
• Consumer Loans• Car Loan
• Home Loan
• Personal Loan
• Salary Loan
• Doctor's Loan
• Seafarer Loan
• Commercial Loan
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Policy and Process of Obtaining Loans
• The loan applicants must:
• Concur with the loan qualifications of the bank →
• Submit the complete requirements →
• Concur with the 5 Cs of Credit
• Character
• Capacity
• Capital
• Collateral
• Conditions
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Policies on Payment of Loans
• Credit policies are very rigid.
• The Credit Committee scrutinizes the loan proposals and verifies if it is in accordance with the law.
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Functions of Branch Personnel
• Tellers, receives the deposits coming from the depositors.
• Account section, deals with the opening/activation of account/s.
• Human Resource, deals with the acquisition of talents aside from walk-in applicants.
• Operations Personnel, deals with the acquisition and maintenance of clients.
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BSP’s Influence to Security Bank’s Operation
• All banks are guided by the Bangko Sentral ng Pilipinas’ (BSP) policies and provisions.
• BSP provides the Proper code and ethics for Banking operations.
• It supervises the banks if it is operating accordingly with the rules and provisions of BSP.• E.x. Supervising the capitalization that has buffers, contingencies,
and allowances; interest rates, etc.
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DOSRI Lending
• Security Bank do not engage with the Directors, Officers, Stockholders and Related Interests (DOSRI) lending.
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R.A 9160Anti-Money Laundering Act of 2001
• Security Bank branch UST has not experienced Money Laundering.
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Recent Major Issues
• Security Bank has not experienced major issues such as the Mergers, Bailouts or effect of financial crises such as exposure to the fall of the Lehman brothers.
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Non Performing Loans Ratio
• These are the loans that are considered as bad debts; the loans that have turned sour; the debts that have not been paid.
• Banking Industry Rate dictates on what level the Non Performing Loans Ratio should be.
• Security Bank has the lowest LPL, it goes to show that the bank is conservative when it comes to granting loans.
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Capital Adequacy Ratio
• Security Banks is highly complied with the Capital Adequacy Ratio.
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Universal vs. Regular Commercial Banks