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Enduring Strength Growing Momentum

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Enduring Strength Growing Momentum Growing Momentum, Enduring Strength ANNUAL REPORT ANNUAL CONTENTS 01 Vision, Mission and Core Values 38 Corporate Governance 02 Who We Are 45 Risk Management 04 Consolidated Financial Highlights 62 Products and Services 06 Message from the Chairman 66 Branch Directory and the President & CEO 72 Table of Organization 14 Flying High with Cebu Air, Inc.: 74 List of Officers Delivering Innovative Solution to a 76 Committees Reporting to the Board Business Challenge 77 Lending Segment 16 Streamlining Processes: Designing Solutions 79 Business Development Segment/Treasury Fit to Customer Needs 80 Retail Banking Group 18 Going the Extra Mile: Synergy and 81 Operations, Control, and Governance Personalized Service 83 Sustaining Human Capital Growth 20 Celebrating a Decade of Supporting Lives 85 Corporate Social Responsiblity and Making Dreams a Reality 89 Statement of Management’s 22 Promoting Inclusive Growth: Responsibility Bridging Opportunities through 90 Independent Auditor’s Report Accessible Financing 93 Financial Statements 24 Enabling Entrepreneurs: Partnering through 103 Notes to Financial Statements Convenient Access to Capital and 192 Legazpi Savings Bank Financial Literacy 196 JG Summit Businesses 28 Board of Directors 32 Senior Advisory Board 33 Key Officers 34 Board of Directors Profile ABOUT THE COVER Robinsons Bank Corporation (Robinsons Bank or Bank) is one of the fastest growing commercial banks in the Philippines today. The stride embodies the decisive steps the Bank will take to sustain its growth momentum. The establishment of solid foundation enabled the Bank to deliver and fulfill the changing needs of its customers. Further, the stride encapsulates the significant progress the Bank is undertaking to become the Bank of Choice. VISION MISSION CORE VALUES We are the Bank of Choice Aiming to be better everyday. Concern driven to fulfill your Excellence changing needs. Committed to provide to the: Leadership Customers – best experience Teamwork Employees – winning culture Integrity Owners – outstanding returns Change Community – responsive organization who we are 60% 60% 40% 2 Robinsons Bank Annual Report 2016 Robinsons Bank Annual Report 2016 3 consolidated financial highlights TOTAL ASSETS deposit levels capital funds capital adequacy ratio (In PHP millions) (In PHP millions) (In PHP millions) (In %) 34.6% 77,612 44.9% -0.2% 11,989 63,295 11,968 34.4% 57,676 49,173 41,211 43,668 5,766 24.4% 16.7% 10% BSP Requirement 2014 2015 2016 2014 2015 2016 2014 2015 2016 2014 2015 2016 loan portfolio - net LOAN CONCENTRATION PER INDUSTRY (2016) (In PHP millions) (In %) 15.7% 23.2% 41.1% Others at 38,897 ≤ 5% Share Real estate, renting and 9.3% business services 27,569 Manufacturing 22,583 9.9% Personal consumption Wholesale and retail trade Electricity, gas and 20.2% water supply Financial intermediaries 9.9% 2014 2015 2016 11.9% 4 Robinsons Bank Annual Report 2016 gross income operating expenses net income (In PHP millions) (In PHP millions) (In PHP millions) net interest income Non-interest income 71.9% 247 13.1% 2,579 16.0% 2,187 2,280 2,923 2,417 2,520 2,421 147 144 1,903 2,129 513 391 503 2014 2015 2016 2014 2015 2016 2014 2015 2016 non-performing loans npl coverage (In %) volume (In PHP millions) ratio (In %) 1,118 1,139 4.6% 1,040 4.0% 80.2% 68.8% 2.9% 62.7% 2014 2015 2016 2014 2015 2016 Robinsons Bank Annual Report 2016 5 message from the CHAIRMAN and the PRESIDENT & CEO Lance Y. Gokongwei Chairman 6 Robinsons Bank Annual Report 2016 We begin this message with our profound succeeding pages, our clients provide their account gratitude to our customers, Board of Directors, about how we were able to make that difference by and employees who have been with us throughout delivering value through deeply-rooted partnerships, the years, building with us an extraordinary heritage creating relevance, and sustainability for their that is distinctly Robinsons Bank. businesses and in their lives in the process. 2016 was a year of markedly global turning points driven by the surge of populist politics Strong Financial Results around the world – the unexpected outcome of Alongside the strong domestic economic the Brexit referendum and the result of the close growth is the buoyant improvement by 7.7% of the US Presidential election race. Closer to home, financial sector. Likewise, we are pleased to report in Asia-Pacific, China faced issues on debt, economic that Robinsons Bank posted a profitable year and slowdown, and currency devaluation, while Japan contributed to the financial deepening of the combated slow growth influenced by the shock banking industry in 2016. We were able to sustain of Brexit, low inflation, aging population, and our performance, with a record net income of negative interest rate policy. The rising sentiment PHP247.5 million, 71.9% higher than the previous year, on anti-globalization in some parts of the world has and outpacing the industry growth of 14.0%. impacted trade in the region and introduced risks This was driven primarily by the increase in net to global growth. Notwithstanding the volatile interest income and non-interest income. global environment and in another election year, The Bank’s net interest margin for 2016 the Philippines remained to be one of the fastest stood at 3.9%, surpassing the industry’s 3.2%. growing economies in the region with 6.8% GDP growth. Robinsons Bank’s net interest income rose to This broad-based growth was driven by a strong PHP2.4 billion level, up by 13.7% compared to last services sector, a revitalized manufacturing sector, year’s PHP2.1 billion. Moreover, our non-interest and robust domestic consumption demand which income climbed by 28.4% to PHP502.6 million from was spurred by low inflation, low interest rates, PHP391.4 million in 2015. increase in consumer confidence, higher OFW Robinsons Bank’s performance was supported by remittances, and growing BPO sector. the asset base growth of 34.6% to PHP77.6 billion from Riding on the wave of the country’s gains and PHP57.7 billion in 2015, beating the industry’s 12.4%. benefitting from the completion of the Bank’s The Bank’s total assets had been expanding at a capacity-building thrust last year, Robinsons Bank compounded annual growth rate of 19.2% over the achieved a significant growth in its net income. last three years, almost doubling the industry’s This growth was underpinned by strong business 10.9%. The Bank’s lending model was successfully performance and steadfast dedication to our clients carried out, increasing our loan portfolio by 40.7% to and communities. PHP38.9 billion in 2016 with a good mix of growth for In this era where banking products and both consumer and commercial. Whereas the credit services are commoditized especially because of quality of our loan portfolio level has been managed the prevalent digitization which transformed the with gross nonperforming loan (NPL) ratio dropping business landscape, Robinsons Bank was able to to 2.9% in 2016 from 4.0% in 2015. Furthermore, differentiate its business and increase market share Robinsons Bank remained sound and well-capitalized through deepened client relationships. We take pride with almost PHP12.0 billion total equity and capital in what we have accomplished for our clients and adequacy ratio remains comfortably at 24.4%, we are grateful for their role in our growth. In the well above BSP’s minimum requirement of 10.0%. Robinsons Bank Annual Report 2016 7 message from the CHAIRMAN and the PRESIDENT & CEO Key Business Drivers PHP in millions, except ratios and where otherwise noted 2016 2015 YoY∆ Assets 77,612 57,659 35% Liabilities 65,644 45,670 44% Equity 11,968 11,968 0% Key Performance Capital Adequacy Ratio (CAR) 24.4% 34.4% (10%) Indicators (KPIs) Net Income 248 144 72% Net Interest Margin 3.9% 4.3% Number of Branches (n) 134 123 9% Number of ATMs (n) 225 202 11% Headcount (n) 1,608 1,357 18% Interest Income 3,069 2,693 14% Interest Expense 649 564 15% Profitability Other Income 503 391 28% Operating Expense 2,579 2,280 13% Net Income 248 144 72% Total Deposits 63,295 43,668 45% Current and Savings Deposits 22,157 18,073 23% Deposits Term Deposit and Special Savings 33,592 19,857 69% FCDU Deposits 7,546 5,737 32% Current Loans 37,802 26,552 42% Non-Performing Loans (NPL) 1,139 1,118 2% Gross Loans 38,941 27,671 41% Loans Net NPL 354 406 (13%) Gross NPL ratio 2.9% 4.0% Net NPL ratio 0.9% 1.5% Security Holdings 15,296 10,955 40% Investments Deposit in BSP and in Other Banks 17,506 14,612 20% Trust Volume 15,508 12,743 22% *Note: 2015 - as Restated Expanding the Retail Banking Network across the supply chain. We continue to work with The Retail Banking Group (RBG) branch our conglomerate in offering complete financial expansion initiative intends to support the value chain proposition to the entire ecosystem, aggressive market penetration undertaken by the addressing both personal and corporate financial Bank to increase its deposits, client base, and push requirements. While we pursue providing lending the cross-sell agenda. In 2016, we were able to facilities to everyone in the supply chain and we are strengthen our presence in key cities, allowing the committed to innovate on our offerings every single Bank to deliver our services closer to our growing day, we also foster collaborative interactions with our clientele by opening 11 branches and deploying conglomerate to expand our deposit base. 23 ATMs, ending the year with a total network of The RBG Sales platform is critical to our business.
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