Executive Summary: Rizal Commercial Banking Corporation

RIZAL COMMERCIAL BANKING CORPORATION
Executive Summary
Objectives
To be the most admired and trusted profitable financial services group providing and adapting to
customer’s and the community’s changing needs. For every Filipino world-wide through innovative
products, excellent services, and a highly motivated, committed and impassioned team.
Business Location
RCBC Savings bank- Novaliches Business Centre is located at 917 Barrio Gulod Quirino Highway,
Novaliches, Quezon City. The branch was posted beside a National Road, an easy access for neighbors
who want a service for their assets and properties.
Products and Services
RCBC Savings Bank has a variety of products and services that satisfies and easy to
accommodate by customers. RSB has a checking account that is unbelievably light with only php2,500
maintaining balance, good for customers who wants to have a checking account with affordable
maintaining. Also, it has a savings account with php500 minimum balance; available in ATM cards and
passbook, made for easy access any time.
RCBC Savings Bank continued to expand its products and services in order to address the
changing needs of its growing customer base. RSB launched W.I.S.E. (Wise Investors Save Early), a
savings account designed for kids to teach them how to budget, save and plan for their future. W.I.S.E.
comes with free Personal Accident Insurance for both the parent and child. It also offers special privileges
to W.I.S.E. partner merchants such as TOM’s World, Manila Ocean Park, Fully Booked, and Silverworks.
RSB is a top tier thrift bank in the country ranking 4 th largest in terms of assets and 3rd in terms of
loans, deposits, and capital. RSB is highly capitalized with a better-than-industry capital adequacy ratio of
16.8%. its NPL ratio of 3.8% below that of the industry’s while its NPL coverage ratio of 72.3% is better
than that of the industry’s. RSB also performed better than the industry in its OPEX-to NET Revenue ratio
of 52.5%.
Market Strategy / Management Research
BANKARD undertook strategic initiatives aimed to strengthening its existing business and
structures while further enriching its manpower talents.
To enrich manpower resource’s talents and capabilities and equip personnel with the skills to deal
with the challenges that lie ahead, BANKARD entered into a partnership with MasterCard International
and engaged the services of MasterCard Advisors in an effort to align business applications and
Marketing processes with the best in the world. These series of lectures and hands-on training not only
enhanced manpower skills but further deepened understanding of the credit card business in today’s
highly competitive environment.
Financial Highlights
For the year (in million pesos except ratios) 2009 2008 2007
Operating Earnings
16,154 13,067 13,200
Operating Expenses
9,831 8,976 8,168
Net Income Attribute to Parent Bank’s
3,328 2,154 3,208
shareholders
Return on Average Capital Funds

11.95% 7.40% 12.43%
Return on Average Assets
1.24% 0.87% 1.42%
Net Interest Margin
4.62% 4.25% 5.00%
At Year-end (in million pesos except no. of 2009 2008 2007

shares)
288,516 268,270 239,098
Total Resources
242,147 219,746 190,544
Interest-Earning Assets
99,358 77,797 104,237
Liquid Assets 1/
164,892 164,403 117,195
Loans and Receivables, net
69,784 51,105 68,757
Investments
220,278 196,227 175,929
Deposits
30,549 27,681 29,332
Net worth
15,200 16,060 16,060
Paid-in
9,611 7,903 6,753
Surplus, Reserve
4,883 4,883 4,883
Hybrid Perpetual Securities
855 1,165 1,636
Others
990,550,835 962,843,035 962,836,871
Number of Common Shares
Per share of Common Stock 2009 2008 2007
Net Earnings 2/
3.13 1.72 293
Basic 284
Diluted 3.06 1.66
27.27 22.77 2432

Book Value (Diluted)
18.47% 17.30% 1870
Capital Adequacy Ratio (CAR)
4,409 4,121 3775
Number of Employees
338 324 303
Number of Branches
471 380 300
Number of ATMs
1/- COCI, Due BSP, Due from other banks, FVPL, AFS, Interbank loans
2/- After retroactive effect of 15% stock dividends issued in 2007

WEEKLY WORK REPORT
Nov. – Dec. 2010
Nov. 29 – Dec. 3 Orientation for rules and regulation on

workplace, introduction on work
Dec. 2010
Dec. 6 -10 Filling and sorting of AOAF

Telefax for Interbranch
Inquire payment bills
13 - 17 Customer service
20- 23 Customer service
Filling out close accounts AOAF
27 - 29 Customer Service
Jan. 2011
Jan. 3 - 7 Customer service

Fiiling and sorting client’s AOAF
Stamping og AOAF
Inquire accounts for BANKARD
Jan. – Feb. 2011
Jan. 31 – Feb. 4 Customer service

Filling out closed accounts AOAF
Feb. 2011
Feb. 7 - 11 Customer service

Stamping of AOAF
Field work (Holy Child Academy) for W.I.S.E.
Filling and sorting of client’s AOAF
Feb. – Mar. 2011
Feb. 28 – Mar. 4 Customer service

Mar. 2011
Mar. 7 - 11 Customer service

Stamping AOAF
Inquire bills payment
LAST DAY
FINAL PRACTICUM REPORT
During my training in RCBC Savings Bank I learned a lot of things on how to operate a bank. It was
not just deposits and withdraws alone but there are certain things to do in order to keep the client
securities and to meet the client’s need.
These are the things I learned and done during my training:
Customer service
Filling and sorting of AOAF
Field work (Holy Child Academy) for W.I.S.E.
Stamping AOAF
___________________________________
Signed over name of the training supervisor

Executive Summary: Rizal Commercial Banking Corporation

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RIZAL COMMERCIAL BANKING CORPORATION

Products and Services

Market Strategy / Management Research

Return on Average Capital Funds

At Year-end (in million pesos except no. of 2009 2008 2007

27.27 22.77 2432

2/- After retroactive effect of 15% stock dividends issued in 2007

Nov. – Dec. 2010

Nov. 29 – Dec. 3 Orientation for rules and regulation on

Dec. 6 -10 Filling and sorting of AOAF

Jan. 3 - 7 Customer service

Jan. – Feb. 2011

Jan. 31 – Feb. 4 Customer service

Feb. 7 - 11 Customer service

Feb. – Mar. 2011

Feb. 28 – Mar. 4 Customer service

Mar. 7 - 11 Customer service

These are the things I learned and done during my training:

Inquire payment bills

Filling and sorting of AOAF

Filling out closed accounts AOAF

Telefax for Interbranch

Inquire accounts for BANKARD

Field work (Holy Child Academy) for W.I.S.E.

Signed over name of the training supervisor

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