...METROPOLITAN BANK AND TRUST COMPANY * Business Profile * Metrobank is a leading financial conglomerate with diversified business portfolio including: investment banking, thrift banking, leasing and financing, bancassurance, and credit cards. * Offers full range banking services to large local and multinational corporations, middle market and SMEs, high net-worth individuals and retail segment. * Established in 1962 to provide financial services to the Filipino-Chinese community. * Solid track record spanning over 50 years; multi-awarded bank. * Investment grade credit rating. * Majority owned by the Ty Family whose major business interests include financial services, real estate development, power and manufacturing. History Founded in September 5, 1962, Metropolitan Bank & Trust Co. (Metrobank) has since become the premier universal bank and among the foremost financial institutions in the Philippines. It offers a full range of banking and other financial products and services, including corporate, commercial and consumer banking, as well as credit card, remittances, leasing, investment banking and trust banking. Metrobank currently spans a consolidated network of over 1,950 ATMs nationwide; over 860 domestic branches; and 31 foreign branches, subsidiaries, and representative offices. Metrobank was incorporated in Binondo, Manila by a group of Filipino businessmen principally to provide financial services...
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...HUMAN RESOURCE MANAGEMENT (STAFFING STRATEGY) Submitted to: Prof. Cresilda M. Bragas Submitted by: de Leon, Beverly A. BSBA MM-2-1N ENGAGING OUR PEOPLE BPI’s long-term success depends on the quality of our workforce. Their innovative ideas, passion and commitment over the years provide value and help sustain our gains in customer satisfaction. The engagement of our employees is one of the strongest examples of how BPI’s business strategy is inextricably linked with sustainability. People are the greatest asset in an organization. At BPI, this statement happens to be more than just a truism. We believe that the business of banking is more than just financial intermediation – rather, it is the simple translation of customer understanding into creative financial solutions, a process that starts and ends with our workforce. Attracting, training, and retaining the best and the brightest employees is not only a business concern for BPI but a key to our sustainable success. To this end, the Bank focuses on creating a work environment which induces a wide variety of people to work enthusiastically. Fostering equal opportunities We continue to ensure that men and women have equal opportunities to work and advance their careers in BPI. Rewarding performance Throughout their employment with BPI, our employees undergo regular performance evaluations based on their individual accomplishments vis-a-vis their responsibilities, as well as that of the...
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...informed the Board that Sps. Ridao, Recto P. & Helen R., is requesting the corporation to allow its commercial building situated in ___________________________________________ covered by TCT No. ____________________ of the Registry of Deeds of Santiago City to be mortgaged with METROBANK SANTIAGO BRANCH to secure the payment of the credit facilities which Sps. Ridao, Recto P. & Helen R., is negotiating with said bank, including any renewals, extensions and/or roll-over thereof, as well as those which may thereafter be granted to said sister company. After a brief deliberation and upon motion duly seconded, the Board of Directors unanimously passed and adopted the following resolutions, to wit: “RESOLVED, as it is hereby resolved, that corporation be authorized and empowered to mortgage and encumber its commercial building located at __________________________________________, covered by _____________________________of the Registry of Deeds of Santiago City for the purpose of securing the obligations incurred or which may hereafter may be incurred by the Corporation and/or Sps. Ridao, Recto P. & Helen R Ridao . in whose financial success the Corporation has financial interest, with METROBANK SANTIAGO CITY irrespective of the amount including any renewals, extensions and/or roll-over thereof. “RESOLVED FURTHER, as it is hereby resolved to empower and...
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...Ipinasa Nina: Del Mundo, Reuben Paulo G. Del Rosario, Justine Lae P. AC09201 Ipinasa Kay: Gng. Rita Morales Epekto ng Tsismisan sa Oras ng Trabaho ng mga Babaeng Teller ng Metrobank sa Pagsisilbi sa mga Kliyente Rasyonale Lingid sa kaalaman ng nakararami, ang salitang tsismis ay hindi isang salitang balbal na umusbong na lamang dahil sa paglipas at pagbabago ng panahon at kultura. Mula sa salitang Espanyol na chisme, ang tsismis ay literal na nangangahulugang negatibo o mapanirang pahayag tungkol sa isang isyu o tao. Ito ay isang kumakalat at nauusong usap-usapan ng napakaraming tao ukol sa isang isyu na wala pa namang makatotohanang basehan mula sa orihinal na pinagmulan. Sa kasalukuyang panahon, nagiging mababaw na lamang ang pagpapakahulugan, sapagkat ito ay tila isang ordinaryong pampalipas oras ng mga tao kung saan pinag-uusapan ang buhay ng isang tao, pangyayari na malaki ang epekto sa mga taong nag-uusap-usap, at maging ang mga bagay-bagay na wala namang kinalaman sa mga taong gumagawa ng tsismis. Sinasabing mapanira ng tsismis sapagkat ang salita ng tao ay maaring makadulot ng dagdag, bawas, o pagbabago sa pagsasabi ng tunay na nangyari. Isa pa, ang taong kalahok o pinag-uusapan ay maaring may argumento o damdaming iniingatan sa kanyang sarili na ninanais nitong iparespeto sa ibang tao. Sa Pilipinas, ang tsismis at black propaganda ay pinagkakakitaan; halimbawa ay sa pulitika at sa industriya ng showbusiness. Isang karaniwang tagpo sa mga Pilipinong komunidad...
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...DE LA SALLE UNIVERSITY –DASMARIÑAS COLLEGE OF BUSINESS ADMINISTRATION ALLIED BUSINESS DEPARTMENT In Partial Fulfilment of Requirements in ECON201a- MICROECONOMICS CONCENTRATION RATIOS OF INDUSTRIES IN THE PHILIPPINES Submitted to: Mr. Romano Angelico Ebron Date submitted: October 19, 2011 Subitted by: Chan, Jessica Clarisse R. Reyes, Diane Eunice M. BSA31 AIRLINE INDUSTRY Concentration ratio based on market share of the airline industry 2008 Market Share 1. Cebu Pacific 49.1% 2. Philippine Airline 41.0% 3. Zest Air 5.9% 4. Air Philippines 2.8% Concentration Ratio 98.8% 2009 Market Share 1. Cebu Pacific 48.2% 2. Philippine Airline 32.1% 3. Air Philippines 11.2% 4. Zest Air 7.4% Concentration Ratio 98.9% 2010 Market Share 5. Cebu Pacific 44.7% 6. Philippine Airline 33.2% 7. Air Philippines 11.9% 8. Zest Air 8.3% Concentration Ratio 98.1% 2011 Market Share 1. Cebu Pacific 42.9% 2. Philippine Airline 25.7% 3. Zest Air 19.0% 4. Air Philippines 10.5% Concentration Ratio 98.1% Average Concentration Ratio of Airline industry 97.14% The steady decline in PAL’s market share indicates that competition has intensified. The four-firm concentration ratio (CR4) measures the revenue share of the four largest firms to total industry. The annual CR4 ratio indicates that the industry is basically an oligopoly...
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...What are Blue Chips? Blue Chips are stocks of well-established companies with strong track records. When we refer to blue chips they are often known companies in the country. They are somewhat treated as icons in their respective industries. In terms of financial resources, blue chip companies are known to have large amount of capital. They are known to be profitable, pays regular dividends to its stock holders, and have a good rating on their debts. Image taken from oldvegaschips.com How’s the Performance of Blue Chips? Let’s take one blue chip stock for example. Jollibee Foods Corporation (JFC) has been a great performer in the Philippine Stock Market during the last decade. As you can see in the chart below, the direction of its price is generally upward. JFC is the parent of Jollibee, the country’s leading fast-food chain brand. And if you would add all Chowking, Greenwich Pizza, Red Ribbon, Mang Inasal and Burger King stores it will total to 2,510 food-chains worldwide and a total sales of 82.1 billion pesos (around 2 billion US Dollars). Generated from http://investing.businessweek.com Is it Safe to Invest in a Blue Chips Stocks? All stock market investments has no guarantee of earning you money. Stocks investment is always involved with high risks. The market can go very high but sometimes it can go crashing down. If you plan to do short-term investment only, then I might say that blue chip stocks are not really the best choice. But, is it safe to invest in blue...
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...CASE ANALYSIS STEP 1 IDENTIFY THE FIRM’S EXISTING VISION, MISSION, OBJECTIVES AND STRATEGIES This is the current vision and mission statement of our bank. VISION: We help fulfil the dreams of Filipino SMEs, their families and their communities MISSION: We are the total bank for SMEs. We customize our products and services to the needs of our chosen market. We are proud of our developmental role that we go out of our way to live it. Our clients are happy with us that they link us up with potential clients, other entrepreneurs and their business partners. Our people are high performing and passionate about their jobs. Our stakeholders are proud to realize their development mission and are rewarded by increased shareholder value. We strive to be responsible stewards of the environment. We contribute to the growth of the communities we serve and assist in poverty alleviation and nation building. OBJECTIVES: Plantersbank has the honor of being one of three banks in the world cited in a paper presented at the Harvard Business School Conference on Global Poverty for its strong "double bottom line," an approach that combines profitability and pursuit of social development projects. Now, Plantersbank defines its framework for a triple bottom line approach by combining profit, social returns...
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...Regular Holidays for 2013 are as follows: | | | New Year’s Day | January 1 (Tuesday) | Maundy Thursday | March 28 | Good Friday | March 29 | raw ng Kagitingan | April 9 (Tuesday) | Labor Day | May 1 (Wednesday) | Independence Day | June 12 (Wednesday) | National Heroes Day | August 26 (Last Monday of August) | Bonifacio Day | November 30 (Saturday) | Christmas Day | December 25 (Wednesday) | Rizal Day | December 30 (Monday) | | | | | Special (non-working) Days | | | Black Saturday | March 30 | Ninoy Aquino Day | August 21 (Wednesday) | All Saints Day | November 1 (Friday) | | | | | Additional special (non-working) days | | | December 24 (Tuesday) | | December 31 (Tuesday) | | | | | | Special Holiday (for all schools) | | | EDSA Revolution Anniversary | February 25 (Monday) | The proclamations declaring national holidays for the observance of Eid’l Fitr and Eidul Adha shall hereafter be issued after the approximate dates of the Islamic holidays have been determined in accordance with the Islamic calendar (Hijra) or the lunar calendar, or upon Islamic astronomical calculations, whichever is possible or convenient, the proclamation read. The National Commission on Muslim Filipinos (NCMF) shall inform the Office of the President on which day the holiday shall fall. The proclamation, signed by the President August 16, shall take effect immediately and the Department of Labor and...
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...DE LA SALLE UNIVERISTY – DASMARIÑAS | Bank of the Philippine Islands | Strategic Marketing | | Espinosa, Athena Marie Guerrero, KamilleMasangcay, Von RyanMercado, KristofferRoraldo, Ian Emmanuel | | MKA 4-1 September 26, 2013 Ms. Chona Bautista Table of Contents I. Situation Analysis3 a. SWOT/TOWS Analysis3 b. PEST Analysis5 c. Industry Analysis6 d. Market Analysis8 II. Market Target Description24 III. Marketing Objectives24 IV. Marketing Program Positioning Strategy25 V. Forecast and Budget27 VI. Monitoring and Control29 I. Situational Analysis a. SWOT/TOWS Analysis | Oportunities * Developing economy * Decrease in inflation rate * Different and more developed alternative channels. * Technological advancement and progress * Industry expansion | Threats * Financial crisis * New government regulations that may affect company operations. * Increase in Inflation rate * New competitor in the market * Changing customers’ needs for financial services. * Switching individual depositor and investors | Strengths * Company reputation and reliable financial position. * Oldest commercial bank in the Philippines * Top 3 largest bank in the Philippines * Branches nationwide * Overseas offices: HongKong and Europe * Conservative with their corporate principles * Respectable and competent management team * Sustainable growth: 43% higher in net income than year...
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...Swapping of PNB-Allied shares to complete merger MANILA, Philippines—Philippine National Bank plans to offer new shares to all stockholders of Allied Bank at P70 per share pursuant to the merger between the two banks via a share-swap. PNB plans to offer 423.96 million common shares worth a total of P29.68 billion to Allied Bank shareholders, based on the bank’s application for registration of securities at the Securities and Exchange Commission. This offer was based on the exchange ratio of 130 PNB common shares for each Allied Bank common share and 22.763 PNB common shares for each Allied Bank preferred share. As a result of the merger, PNB will have a combined outstanding capital stock of 1.086 billion common shares of which 423.96 million new common shares are issued to Allied Bank stockholders with an issue value of P29.68 billion. An application to list the new shares is expected to be submitted to the Philippine Stock Exchange before the end of this month. While PNB and Allied Bank executed their merger last February, this offer will complete the consolidation of shares into PNB which will be the surviving bank. “The merger marks a special milestone for both PNB and Allied Bank. The synergies arising from the broadened network, diversified deposit base and improved scale will provide a compelling value proposition for their various stakeholders,” PNB said in the regulatory filing. “In creating the country’s fourth largest privately -owned bank, the merged bank will...
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...Year High School : Quarterly Remedial Class Instructor in Mathematics 3 (Geometry) : Personal Tutorial Sessions for Mathematics 2 (Intermediate Algebra) 4th Year High School : Quarterly Remedial Class Instructor in Mathematics 4 (Advanced Algebra and Trigonometry) Summer, 2009 :Personal Tutorial Sessions for Math-UPCAT. 2nd Semester, 2010 :Literacy Training Service 2: Kalayaan Elementary School Grade 6 Mathematics Teacher 1st Semester, 2011 :Tutor in Princeton Academy, BelAir, Sta. Rosa, Laguna 2nd Semester, 2011 : Student-instructor in UPLB Math Division’s Think Tank Toe Achievements Elementary School : 3rd Place: Metrobank-MTAP-DepEd NCR Math Challenge Sectoral Level 10th Place: Metrobank-MTAP-DepEd NCR Math Challenge Regional Level Best in Math, Valedictorian High School : Best in Math (3rd Year and 4th Year), Best in Physics (4th year), 1st place, 2008 Math Masters, Meycauayan College. College 1st Semester, AY 08-09 : 4th Placer, UPLB Math Wizard College Scholar 2nd Semester, AY 08-09 : Participant, 36th Annual Nationwide Search For Math Wizard, UP Diliman 3rd Place, Statistics 1 Quiz Contest 2nd Semester, AY 09-10 : 2nd Place, Brain Damage: ENSC 11 Quiz Contest Participant, 37th Annual...
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...Court, Cebu City. Both courts found petitioner Rosa Lim guilty of twice violating Batas Pambansa Bilang 22 and imposing on her two one-year imprisonment for each of the two violations and ordered her to pay two fines, each amounting to P200,000.00. The trial court also ordered petitioner to return to Maria Antonia Seguan, the jewelry received or its value with interest, to pay moral damages, attorney’s fees and costs. FACTS On August 25, 1990, petitioner bought various kinds of jewelry worth P300,000.00 from Maria Antonia Seguan. She wrote out a check with the same amount, dated August 25, 1990, payable to “cash” drawn on Metrobank and gave the check to Seguan. The next day, petitioner again went to Seguan’s store and purchased jewelry valued at P241,668.00. Petitioner issued another check payable to “cash” dated August 16, 1990 drawn on Metrobank in the amount of P241,668.007 and sent the check to Seguan through a certain Aurelia Nadera. Seguan deposited the two checks with her bank. The checks were returned with a notice of dishonor. Petitioner’s account in the bank from which the checks were drawn was closed. Upon demand, petitioner promised to pay Seguan the amounts of the two dishonored checks, but she never did. On June 5, 1991, an Assistant City Prosecutor of Cebu filed with the RTC, Cebu City, Branch 23, two informations against petitioner for violations of BP No. 22. After due trial, on December 29, 1992, the trial court rendered a decision in the two cases...
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...Keyboard Amplifier 180w |1 |42,950.00 | |KC-350 |Roland Keyboard Amplifier 100w |1 |32,950.00 | • Prices are inclusive of twelve percent (12%) Value Added Tax ( VAT ) and subject to changes without prior notice. • The equipment shall be guaranteed for a period of one (1) year from date of purchase against factory defects and workmanship, provided said equipment are not subjected to misuse, abuse, tampering, accidents, calamities or servicing by unauthorized personnel. • 6 MONTHS TO PAY ZERO INTEREST PROMO FOR CREDIT CARD (PARTICIPATING BANKS BPI, CITIBANK, METROBANK, BDO, HSBC, EASTWEST) • Cash on Delivery (COD), if Check is to be issued, Three (3) days clearing before delivery of the items. Other terms as requested will be subject to further...
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...CONFUCIUS INSTITUTE at the Ateneo de Manila University To promote Chinese language and culture, the government of the People’s Republic of China has been establishing Confucius Institutes around the world. The Confucius Institute at the Ateneo de Manila University is the first Confucius Institute established in the Philippines. It aims to promote Chinese language and culture as well as knowledge of contemporary China to mainstream Philippine society. The Institute is run in partnership with the Sun Yat-‐Sen University in Guangzhou, China. WHICH LEVEL IS RIGHT FOR If you have zero background of the Chinese language… ð Enroll in BASIC CHINESE 1 If you have basic knowledge of the Chinese language (know Pinyin)… ð Enroll in BASIC CHINESE 2 to 6* If you have knowledge of the Chinese language (know traditional script and Zhuyin)… ð Enroll in BASIC CHINESE 4 to 6* If you want to ...
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...picked up selected large-cap stocks. Despite the PSEi’s slight rise, there were more decliners (91) than advancers (83) in the broader market. Value turnover amounted to P8.9 billion. Meanwhile, the listing of tech stock Xurpas brought excitement to the market. Its share price rose by nearly 50 percent from the initial public offering price. The PSEi was led higher by Megaworld (+2.38 percent) while RLC, AP and GT Capital all rose by over 1 percent. URC, AC, BDO, SM Prime, Jollibee, EDC and AGI also contributed to the index gains. Outside of PSEi stocks, Melco Crown (+3.56 percent) was one notable gainer ahead of the opening of City of Dreams Manila while SSI and Vista Land gained over 2 percent. On the other hand, share prices of Metrobank, Bloomberry and LTG declined. Local stock brokerage DA Market Securities said that with the market now trading right under the 7,413 major resistance and all-time high, a potential piercing of this level would indicate a more bullish bias. “However, discounted market placements and thinning trading volumes within the holiday season can trigger a bias to test lower major support at 7,200 (the 30- and 60-day moving average), that has continued to prove resilient since the October low,” DA Market said. DA Market reiterated its call for a buy on dips, viewing any weakness — particularly those triggered by stock placements – as pockets of opportunity. The brokerage said it was looking...
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