Areas of Consideration (SWOT) 4 * Internal (SW) * External (OT)
Alternative Courses of Action 5 * Corporate-Level * Business-Level * Functional Level
Analysis of the Alternative Courses of Action 5
Recommendation 6
Implementation 6
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POINT OF VIEW This study is taken from the perspective of the company, Rural Bank of Galvez. Victor Montes, the Vice-President of the bank, stated that over the years, the bank has never invested in T-bills and is not entirely sure if rural banks are allowed to invest in them. Also, he added that the financial crisis only affects those big businesses in Manila and not the small ones in the provinces. With regards to the past due ratios, he defended that it is impractical to compare the Rural Bank of Galvez to other big banking businesses since their past due ratios tend to go up faster because their borrowers’ have difficulty in paying. Furthermore, an examiner from the Central Bank has been monitoring their performance for many years now and has never raised any questions about their past due ratios. In fact, they were praised for doing so well and for being one of the biggest rural banks in the region.
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BACKGROUND OF THE STUDY Karla Martinez, a 36-year old CPA with an MBA degree, was asked by her 66-year old aunt to take her place as a director of the Rural Bank of Galvez in a southern Mindanao Province. Martinez’s aunt had been a director of the bank for over 15 years, and has grown tired of attending the Board meetings of the bank.
Karla Martinez was delighted by the offer. She felt that accepting the position would
