METROBANK vs. ALLIED BANK

HISTORY OF METROBANK: 

HISTORY OF METROBANK

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Metrobank was incorporated in Binondo , Manila by a group of Filipino businessmen principally to provide financial services to the Filipino-Chinese community. It opened its first local branch in 1963, then expanded beyond Philippine shores only a few years after its establishment. Metrobank rolled out its first international branch in Taipei in 1970 and a representative office in Hong Kong in 1973.

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In 1975, Metrobank became the first of the private banks to move into American territory when it opened its office in Guam.  It later established branches in the United States mainland cities of Los Angeles and New York. It established Metrobank Foundation, Inc. in 1979, putting emphasis on both business success and community contribution.  The Foundation has since become one of the largest and most respected charitable organizations in Asia.

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In 1981, Metrobank was listed in the Philippine Stock Exchange and acquired its universal banking license, gaining significant equity ownerships in local and international subsidiaries. It established its own credit card company, Unibancard Corporation (now Metrobank Card Corporation) in 1986. In 1988, Metrobank entered into a joint venture with Japan’s largest automotive manufacturer and Mitsui Corporation to establish Toyota Motor Philippines Corporation.

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A decade later, it partnered with another global giant, the AXA Group, to give birth to Philippine AXA Life Insurance Corporation. In 1990, Metrobank launched the country’s first and only talking ATM, Metrobank E.T. In 1995, Metrobank became the first billion dollar bank with total capital of Php22.8 billion, the largest in the industry.  It is the first local bank to raise supplementary capital overseas with a total of US$325 million in Lower Tier 2 Capital and Hybrid Tier 1 Capital in the years 2003 to 2006.

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Metrobank has also been steadily expanding internationally. In the late 1990s, Metrobank opened branches and offices in London, Taichung, Tokyo, and Seoul. Metrobank was the first to be granted a banking license by the Japanese Ministry of Finance.  It was also the first Philippine bank in Korea. In 2001, Metrobank became the first Philippine bank in China when it opened its branch in Shanghai.

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In 2010, Metrobank inaugurated its wholly-owned subsidiary, Metropolitan Bank (China) Limited, the first foreign bank headquarters to be established in Nanjing.  The new bank serves as the base for Metrobank’s operations in China, with three branches located in Nanjing and Shanghai.

Wellington Building: 

Wellington Building

HISTORY OF ALLIED BANK: 

HISTORY OF ALLIED BANK

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Allied Bank was incorporated on April 1, 1977 and granted by the Central Bank of the Philippines the Certificate of Authority to operate as a commercial bank on May 20, 1977. It began its operations on June 2, 1977 with around 26 branches. On August 19, 1977, it was authorized to operate an expanded foreign currency deposit unit (FCDU), and in December 1981, it officially became an expanded commercial bank or universal bank.

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Today, Allied Bank operates a total of 283 domestic branches/offices, including its subsidiaries Allied Savings Bank (20 branches), Allied Leasing and Finance Corporation, and the PNB Life Insurance, Inc.-formerly New York Life Insurance Philippines, Inc (NYLIP)-which was acquired by the Bank in 2007. Aside from its local branch network, Allied Bank also operates 2 offshore branches in Bahrain and in Guam; a wholly-owned

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subsidiary in the United Kingdom (Allied Bank Philippines (UK) Plc) and a majority-owned subsidiary in Hong Kong (Allied Banking Corporation (Hong Kong), Ltd.); a majority-owned commercial bank subsidiary in Xiamen, China (Allied Commercial Bank); and an affiliate commercial bank based in California, U.S.A. (Oceanic Bank), with offshore branches in San Francisco (Union Square Branch) and in Guam (Guam Branch).

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Representative offices were also established in Germany, Singapore and Australia, and consultancies/remittance desks in Saudi Arabia, Kuwait, Qatar and the United Arab Emirates.     As of June 30, 2009, Allied Bank was ranked 8th largest private domestic bank in the country in terms of total deposits, total assets and net worth.

Vision Statement: 

Vision Statement We envision: A professionally run, responsive, proactive, and creative organization through which the Metrobank Group of Companies is able to express its commitment to lead the private sector in fostering holistic human development in both the national and international arena, thereby effecting an empowered society whose members are able to realize their human potential.

Mission Statement: 

Mission Statement To realize its vision, the Foundation shall: Propagate a culture of excellence with a human face by actively implementing, assisting, and supporting programs which strengthen and advance the strategic sectors of society as well as respond to the needs of the disadvantaged.

VISION STATEMENT: 

VISION STATEMENT To continually create value to be the preferential-universal Bank.

MISSION STATEMENT: 

MISSION STATEMENT To be among the pillars of the banking industry, a strong and resilient institution committed to lasting partnerships with and superior service to our clients; the well-being of our employees; fair return on equity for our shareholders; and national growth and development as financial catalyst.

COMPANY LOGO: 

COMPANY LOGO

COMPANY LOGO: 

COMPANY LOGO

BOARD OF DIRECTORS : 

BOARD OF DIRECTORS Dr. George S. K. Ty Dr. Placido L. Mapa, Jr. Mr. Arthur V. Ty Mr. Aniceto M. Sobrepeña Mrs. Elvira Ong Chan Mrs. Marixi R. Prieto Mrs. Milagros Drilon Mr. Alfred V. Ty

BOARD OF DIRECTORS : 

BOARD OF DIRECTORS Lucio Tan Chairman Willy Co Vice-Chairman Mariano Tanenglian Treasurer Bonifacio N. Yao Domingo Chua Manuel Gonzales Alfredo Jimenez Lucio Tan, Jr. Michael Tan Wilfredo Teodoro Rufina T. Yu Directors

MARKETING STRATEGY: 

MARKETING STRATEGY LOANS Housing Loans Car Loans Corporate Loans

MARKETING STRATEGY: 

MARKETING STRATEGY BUILD AND SAVE HOUSING LOAN TOP SPEED AUTOLOANS SALARY LOANS

FINANCIAL STATEMENT: 

FINANCIAL STATEMENT METROPOLITAN BANK AND TRUST COMPANY STATEMENT OF INCOME Years Ended December 31 2010 2009 INTEREST INCOME Loans and Receivables 4,518,081,459 3,884,251,224 Trading and Investment Securities 1,070,060,651 1,029,902,918 Due from Other Banks and Interbank Loans and Securities purchased under resale agreements 297,460,829 285,297,682 5,885,602,939 5,199,451,824 INTEREST EXPENSE Deposit Liabilities 1,328,326,559 1,443,096,651 Subordinated Debt, bills payable and other borrowings 238,817,217 226,825,672

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1,567,143,776 1,669,922,323 NET INTEREST INCOME 4,318,449,163 3,529,529,501 Service Charges, fees and commissions 1,341,778,345 912,963,616 Trading and Securities gain 1,155,256,556 426,734,155 Foreign exchange Gain 293,709,143 235,186,952 Gain on asset foreclosure 50,958,827 91,981,538 Trust income 45,018,754 69,955,713 Dividend Income (-) 190,106 Gain on Sale of Assets 42,281,466 104,001,967 Miscellaneous 146,967,038 98,488,430 TOTAL OPERATING INCOME 7,394,419,292 5,469,031,978 OPERATING EXPENSE

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Provision for impairment and credit losses 1,552,210,920 1,237,230,547 Compensation and fringe benefits 1,364,816,703 1,048,327,589 Taxes and Licenses 452,494,683 378,278,074 Rent 273,789,163 237,789,406 Depreciation and Amortization 250,852,503 278,692,701 Amortization of intangible assets 84,309,185 63,911,769 Miscellaneous 1,636,446,589 1,536,916,828 TOTAL OPERATING EXPENSE 5,614,919,746 4,781,146,914 INCOME BEFORE INCOME TAX 1,779,499,546 687,885,064 PROVISION FOR (BENEFIT FROM) INCOME TAX -31,160,722 48,056,589 NET INCOME 1,810,660,268 639,828,475

FINANCIAL STATEMENT: 

FINANCIAL STATEMENT ALLIED BANKING CORPORATION STATEMENT OF INCOME Year ended Dec. 31 2010 2009 INTEREST INCOME ON Loans and Receivables 5,505,399 5,544,852 Trading and Investment Securities 3,302,054 2,817,075 Deposits with banks and interbank loans receivables 1,094,907 1,337,400 9,632,360 9,699,327 INTEREST EXPENSE ON Deposit Liabilities 2,466,055 2,821,659 Bills payable and other borrowings 375,019 389,377 2,841,074 3,211,036

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NET INTEREST INCOME 6,791,286 6,488,291 Commission and handling charges 796,561 345,742 Trading and investment securities gain 902,400 134,392 Gain on acquisition of investment properties 30,532 89,098 Foreign Exchange gains 30,914 768,931 Miscellaneous 1,848,269 1,553,003 TOTAL OPERATING INCOME 10,399,962 9,379,457 Compensation and fringe benefits 2,768,131 2,440,559 Provision for credit and impairment losses 1,252,727 884,693 Occupancy and other equipment-related cost 856,468 818,673 Taxes and licenses 798,053 840,277 Depreciation and Ammortization 460,049 459,531

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Miscellaneous 2,391,897 2,200,020 TOTAL OPERATING EXPENSES 8,527,325 7,643,753 INCOME BEFORE INCOME TAX FROM CONTINUING OPERATIONS 1,872,637 1,735,704 PROVISION FOR INCOME TAX 609,325 561,500 NET INCOME FROM CONTINUING OPERATIONS 1,263,312 1,174,204 NET INCOME FROM DISPOSAL GROUP 35,090 21,613 NET INCOME 1,298,402 1,195,817

Housing Loans : 

Housing Loans Metrohome Financing -- the easy and affordable way to own a home. Whether it's 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

Housing Loans : 

Housing Loans MetroHome Financing is the package for you. Avail of: Low interest rates that may be fixed for the 1st year, 1st two 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 property's appraised value Worry-free loan repayment through the issuance of post-dated checks or automatic debit arrangement

Housing Loans : 

Interest Fixing Interest Rate 1-year fixed 5.50% 2-year fixed 7.25% 3-year fixed 7.50% 4-year fixed 8% 5-year fixed 8.50% 6-10 year fixed 9.75% Housing Loans METROHOME

Car Loans: 

Car Loans MetroCar loans let you avail the car you’ve been dreaming of with just a favorable amount of rates LOAN TERM ADD-ON RATE LOAN TERM ADD-ON RATE 12 months 4.77% 36 months 15.21% 18 months 7.20% 48 months 20.65% 24 months 9.91% 60 months 27.28% MetroCar Arrears

Corporate Loans : 

Corporate Loans Metrobank help grow business by providing the funding you need to reach your goals. Loans for Capital Expenditures For company's capital expenditures and expansion, choose among 7 products and services that fit your business' cash flow and peculiarities. Corporate Finance and Consultancy they offer various ways for company to meet its funding requirements of at least P300 million, allowing to pursue projects according to cash flow pattern. SME & Other Government Supported Loans they provide low-cost funding to small-, medium-, and large-scale enterprises to finance certain projects that fall within the Government’s priority list. These funds may be availed for short- to long-term periods. Most may be used as working capital, funding to acquire fixed assets, or both.

SWOT ANALYSIS: 

SWOT ANALYSIS Strengths Higher returns Capital Adequacy Ratio Declining NPLs Weaknesses Increased debt burden Opportunities Strategic Agreements Increasing demand for loans Increasing value of peso Threats Uncertain market and economic conditions Stiff competition Acquisition/merging/expansion of universal banks

TOWS MATRIX: 

TOWS MATRIX External Opportunities Strategic agreements Increasing value of peso In demand loans from consumers External Threats Acquisition/ Merging/ Expansion of universal banks Uncertain market and economic conditions Internal Strengths Higher returns Capital Adequacy Ratio is above the banking industry percentage Declining NPLs SO Attract more investors Generate more interest income ST Acquire commercial banks Buy more securities and equity Internal Weaknesses Increased debt burden Inadequate number of branches WO Guerilla Marketing Increase number of branches WT Corporate and risk Governance

BUILD AND SAVE HOUSING LOAN : 

BUILD AND SAVE HOUSING LOAN T he only Housing Loan Program that lets you earn rebates on your loan by maintaining deposit with us. So, make full use of your deposits and live your dream house with Allied Bank Build & Save Housing Loan.

INTEREST RATES: 

INTEREST RATES Fixing Period Rate 1 year 8.50% 2 years 9.00% 3 years 9.50% 4 years 9.75% 5 years 9.75% 10 years 11.50% 15 years 11.50%

LOAN PURPOSE: 

LOAN PURPOSE Choose among your home financing needs: Purchase of House & Lot / Condominium House Construction Purchase of Lot Refinancing House Renovation / Expansion Reimbursement

EASY PAYMENT: 

EASY PAYMENT Pay your monthly amortization through Post-dated Checks or Automatic Debit Arrangement of your Allied Bank account

TOP SPEED AUTOLOANS : 

TOP SPEED AUTOLOANS FEATURES: Covers BRAND NEW vehicle types (cars, vans, SUVs & AUVs) Loanable amount of up to 80% of the unit price Easy monthly payments through Post-dated Checks or Automatic Debit arrangement of your Allied Bank Account.

LOW RATES As of March 2011: 

LOW RATES As of March 2011 TERM Rate (In-Arrears) Rate (One Month Advance) 12 months 5.05% 4.25% 18 months 7.52% 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%

SALARY LOANS : 

SALARY LOANS Designed to augment financial need of employes of accredited companies. Employees in need can now manage their budget and enjoy life through hassle free loan application and loan payment. All regular employees of accredited companies can avail of up to three times (3x) of their Gross Monthly Salary. Monthly salary deductions will be arranged with your employer so you don’t have to worry of remitting your payment.

SWOT ANALYSIS: 

SWOT ANALYSIS STRENGTHS: Strongest Online System Largest ATM Network Shifted from nationalize to contemporary area of banking Strong corporate culture WEAKNESSES: Branches are not renovated in some areas No use of electronic media for promotion of services No proper HR Management No proper segmentation OPPORTUNITIES: Make personal loans Car leasing Reduced transaction charges Use of media for promotion THREATS: Strong competition among other banks Financial recession Attitude of customers Falling KIBER rate

CREDIT CARDS:(NEW INNOVATION): 

CREDIT CARDS :( NEW INNOVATION) Metrobank Credit Card (Classic & Gold) Use your Metrobank Credit Card to dine and shop and indulge in over 42 million Visa and MasterCard establishments, worldwide.

Metrobank Platinum MasterCard Discover the meaning of True Power with the Metrobank Platinum MasterCard. Features: Credit Limit The Metrobank Platinum MasterCard comes with a higher credit limit. Free Supplementary Card for Life lifetime annual fee waiver for 1st supplementary cardholder. : 

Metrobank Platinum MasterCard Discover the meaning of True Power with the Metrobank Platinum MasterCard. Features: Credit Limit The Metrobank Platinum MasterCard comes with a higher credit limit. Free Supplementary Card for Life lifetime annual fee waiver for 1st supplementary cardholder.

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Metrobank Dollar MasterCard The Metrobank Dollar MasterCard is the only card you will ever need for your US Dollar transactions. Features: Get billed in US Dollars The US Dollar MasterCard allows you to get charged in US dollars so that you don't need to worry about foreign exchange rate fluctuations. Free Travel Insurance Receive FREE accidental death/disablement travel insurance when you purchase your airline ticket using your Metrobank Dollar MasterCard.

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M Lite MasterCard The Metrobank M Lite MasterCard is the best credit card for the savvy spender aiming for better finance management. Features: Lower finance charge Enjoy the lowest finance charge in the market at 2.49% with the M Lite MasterCard

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M Free MasterCard Metrobank’s M Free MasterCard is the no annual fee, no frills credit card! Features: Perpetually waived annual fee Get the benefits of using a credit card without the need to pay the annual fee for life.

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PSBank MasterCard When family becomes the priority, the PSBank MasterCard provides the widest range of benefits that keep your loved ones in mind. Features: Family Rewards Earn 1 point for every Php20.00 that you spend using your PSBank MasterCard. Use your points and redeem premium items or air miles from Philippine Airlines, Cathay Pacific Airlines or Singapore Airlines. Learn more about our rewards program, PSBank Rewards Catalogue .

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Toyota MasterCard Enhance your drive with the country’s first complete motorist card. Exclusive Features: 10% discount at all Toyota dealers Applies to genuine accessories, parts and labor. Rewards Points for all your spending 1 Point for every Php 20 spend everywhere Double Points at your preferred Toyota dealer. 3% fuel rebate at Petron Over 400 participating stations nationwide. 24/7 roadside assistance

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Robinsons-Cebu Pacific MasterCard 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.

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Metrobank Femme Visa Metrobank Femme Visa - the credit card for the modern and independent career woman. Features: Exclusive Metrobank Femme Visa Features Enroll in the femme Road side Asistance and Personal Accident Insurance Program and get Insurance Coverage of up to php . 200,000 maximum benefit for just php.500 per year.

CREDIT CARDS: (NEW INNOVATION) : 

CREDIT CARDS: (NEW INNOVATION) Allied Bank Essentials MasterCard Allied Bank Essentials MasterCard offers the ultimate payment convenience in shopping, traveling or dining out - and these are just a few of the simple passions that are made more enjoyable with Allied Bank Essentials MasterCard.

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Allied Bank Premium MasterCard , pleasures come without boundaries. Keep up to date on the latest fashion, dine in the finest restaurants and conquer new horizons with a diversity of perks and discounts only with Allied Bank Premium MasterCard.

FUNCTIONS OF BANK: 

FUNCTIONS OF BANK OUR BANKING SYSTEM TODAY: The Banking Business as we know it today is composed of three separate and distinct principal functions. 1. The acquiring of funds to invest and loan. 2. The investing of such funds in loans and bonds. 3. The servicing of such funds, such as providing checks, drafts and etc.

SIMILARITIES: 

SIMILARITIES The Metrobank and Allied Bank are both universal and commercial bank Commercial bank defined as ”moneyed” corporation .to receive deposits .pay such funds .to lend money .to make collectives

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engaged in commercial banking and related services lending products include seasonal finance, agricultural finance, trade finance, running finance and demand finance.

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offers leasing for machinery, commercial vehicles, vehicles and equipments. has the largest ATM network in the country and it is among the top rated bank in our country.

DIFFERENCES: 

In terms of other services and foundations. DIFFERENCES

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Offers different promos and foundations.

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BOOKS ACROSS THE SEAS (BATS) FOUNDATION FOR UPGRADING THE STANDARD OF EDUCATION (FUSE)