2019 Annual Report 2019 in a Snapshot Contents

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2019 Annual Report 2019 in a Snapshot Contents FOCUS ON LIFE, BANK EASY 2019 ANNUAL REPORT 2019 IN A SNAPSHOT CONTENTS 01 Vision, Mission and Core Values 02 Bank’s Brand Vision Core Values 03 Who We Are 04 Ownership Structure of the Bank 126.9% 0.80% 06 Consolidated Financial Highlights We are the Bank of Choice Concern increase in Net net increase in 10 Message from the Chairman and from Excellence Income Non-Performing the President & CEO driven to fulfill your Leadership Loans 20 A Salute to Mr. John changing needs 22 Operational Highlights Teamwork 48 Roadmap 2020 Integrity 52 Awards 2019 54 Corporate Social Responsibility Change 56 Sustainability Highlights 64 Corporate Governance 37.8% 96% 82 Conglomerate Map increase in increase in 86 Risk Management Framework Capital Funds Treasury Trading 118 Board of Directors Income 120 Board of Directors’ Profile 126 Senior Board Advisers 128 Key Officers 130 Organizational Structure 132 List of Officers 134 Products and Services Mission 136 Branch Directory 30% 8% 142 Legazpi Savings Bank Aiming to be better everyday. 144 Legazpi Savings Board of Directors growth in increase in Total Committed to provide to the: Consumer Loans Assets 146 Legazpi Savings Products and Services 148 Legazpi Savings Branch Network Customers – best experience 149 JG Summit Businesses Employees - winning culture 150 Financial Statements Owners - outstanding returns Community - responsive organization At its peak, banking experience must go “unnoticed”— so effortlessly accomplished in the blink of an eye, and just unobtrusively present in people’s lives. Robinsons Bank is continuously inching closer to this level of banking. Through digital transformation, we have enhanced customer experience and made our services easier, simpler, and more secure. This is how we show our heart for customers: we make banking take less of their effort and time, so they may focus on what really matters— living their lives. ROBINSONS BANK 2019 ANNUAL REPORT ROBINSONS BANK 2019 ANNUAL REPORT 1 BANK’S BRAND WHO WE ARE BUSINESS MODEL OF THE BANK Robinsons Bank aims to be one of the top banks in the Philippines, offering innovative and competitive financial products and services to its clients. To achieve this, the Bank has set a five-year strategic plan entitled “Roadmap 2020” in 2015 to guide all its employees and units in achieving that goal. The roadmap covers: refocusing of strategies; rebranding; structure reorganization of key support units; process improvement; expanding lending and branch network; product development; and fully explore business opportunities within its target markets. The Roadmap 2020 has three phases namely: (1) capacity building, (2) core income growth and (3) expanded business ventures. Through the years, Robinsons Bank has played a significant role in the banking industry, offering a wide array of innovative financial services with the convenience of modern technology. It has earned a solid measure of trust and confidence, gaining wide preference as a "Aiming to be better every day.” commercial bank with over two decades of commitment to fulfill the This Mission Statement is the foundation upon community’s changing needs. Robinsons Bank continuously mounts which Robinsons Bank conducts business. More into greater heights in making banking easier for its clients in every than just a financial institution, the Bank is a possible way, providing its customers a wider boutique of product responsive organization focused on fulfilling and service offerings, flexible financial solutions, branch expansions, and digital improvements. its customers’ changing needs. Robinsons Bank delivers quality service to ensure the best customer experience, champion a winning culture and promote economic empowerment as it forges the path to become the “Bank of Choice”. True to JG Summit’s endeavor of leading the country to global competitiveness and making life better for every Filipino, the Bank continuously embarks on more sustainable efforts that foster relationships beyond banking. 2 ROBINSONS BANK 2019 ANNUAL REPORT ROBINSONS BANK 2019 ANNUAL REPORT 3 Robinsons Bank is 60% owned by JG Summit Capital Services Corporation, a wholly-owned subsidiary OWNERSHIP STRUCTURE of JG Summit Holdings, Inc. and 40% owned by Robinsons Retail Holdings, Inc., a listed company since November 2013. JG Summit Capital Services Corporation and Robinsons Retail Holdings, Inc. are both Filipino corporations and voting stockholders of the Bank. STRATEGIC BUSINESS PLANNING CORE INVESTMENTS EMERGING INVESTMENTS 4 ROBINSONS BANK 2019 ANNUAL REPORT ROBINSONS BANK 2019 ANNUAL REPORT 5 CONSOLIDATED FINANCIAL HIGHLIGHTS BALANCE SHEET TOTAL ASSETS LOAN PORTFOLIO-NET DEPOSIT LEVELS CAPITAL FUNDS In Php millions In Php millions In Php millions In Php millions 8.0% YEAR ON YEAR 18.1% YEAR ON YEAR 2.7% YEAR ON YEAR 37.8% YEAR ON YEAR 17,060 97,602 80,806 131,087 95,006 121,351 89,980 68,411 104,913 12,378 11,989 11,968 12,093 57,654 63,295 77,612 38,897 43,668 57,659 27,569 2015 2016 2017 2018 2019 2015 2016 2017 2018 2019 2015 2016 2017 2018 2019 2015 2016 2017 2018 2019 CAPITAL ADEQUACY RATIO TIER 1 CAPITAL RATIO CONSO (%) CONSO (%) NETWORK 32.5% 31.7% 21.4% 168 20.7% BRANCHES 19.6% 18.7% 17.5% 16.6% 151 Robinsons Bank and 338 ATMS 15.0% 14.1% 17 Legazpi Savings Bank 320 Robinsons Bank and includes 7 Branch-lite units: RBank-3 and 18 Legazpi Savings Bank LegazpiSavings-4 2015 2016 2017 2018 2019 2015 2016 2017 2018 2019 6 ROBINSONS BANK 2019 ANNUAL REPORT ROBINSONS BANK 2019 ANNUAL REPORT 7 CONSOLIDATED FINANCIAL HIGHLIGHTS NET INTEREST MARGIN PROFITABILITY In % NET INCOME NET INTEREST INCOME 4.3% In Php millions In Php millions 4,238 3.9% 719 3.5% 3.5% 3.6% 3,575 2,983 126.9% 2,421 YEAR ON YEAR 2,129 2015 2016 2017 2018 2019 2015 2016 2017 2018 2019 307 317 NON-INTEREST INCOME 757 RETURN ON EQUITY RETURN ON ASSETS In Php millions 247 In % 4.9% In % 0.6% 532 489 478 0.4% 0.3% 144 391 2.6% 2.6% 2.1% 0.3% 0.3% 1.6% 2015 2016 2017 2018 2019 2015 2016 2017 2018 2019 2015 2016 2017 2018 2019 2015 2016 2017 2018 2019 GROSS NON-PERFORMING LOANS ASSET QUALITY VOLUME RATIO In Php millions In % NPL COVERAGE 1,394 In % 122.5% 112.7% 1,118 1,139 100.6% 1,097 1,056 80.2% 4.0% 68.8% 2.9% 1.9% 1.5% 1.7% 2015 2016 2017 2018 2019 2015 2016 2017 2018 2019 8 ROBINSONS BANK 2019 ANNUAL REPORT ROBINSONS BANK 2019 ANNUAL REPORT 9 MESSAGE FROM THE CHAIRMAN DEAR STAKEHOLDERS, 2019 is a year of achievements for Robinsons Bank. We concluded the year with AND THE PRESIDENT & CEO numerous recognitions from local and international award-giving bodies. Robinsons Bank was named the Best Commercial Bank in the Philippines by International Banker Banking Awards and as the Fastest Growing Commercial Bank in the Philippines by Global Business Outlook Awards in 2019. These milestones are BEST COMMERCIAL BANK testaments to the Bank’s exceptional success in carrying out key strategies and initiatives in delivering value to our stakeholders. Products and Services: Differentiating ouR Identity Our commitment is to provide our customers the best customer experience (CX). Anchored to this, we continue to develop new products and services to realize customer lifetime value as we embrace customer-centricity. We are honored that in 2019, the products and services we launched last year received commendations. Robinsons Bank DOS® Card, our credit card with a unique feature, was named as the DOS® MASTERCARD: “ 2019 is a year of MOST INNOVATIVE CREDIT CARD PRODUCT Most Innovative Credit Card Product for 2019 in the Philippines by Global Business achievements for Robinsons Outlook Awards. Bank. We concluded the year with numerous Another business that complements the Bank’s foray into digital payments is recognitions from local and merchant acquiring. Optimizing the synergies within the JG conglomerate, the Bank’s merchant acquiring has breached the industry of payments in the Philippines international award-giving and processed almost Php 30.0 billion in credit card transactions in the first year. bodies. Robinsons Bank was Given Cebu Pacific’s complex requirements, the Bank has proven that we are more named the Best Commercial than capable to deliver tailored solutions to big businesses in terms of payment Bank in the Philippines HIGHEST PERCENTAGE OF CONTACTLESS acceptance capabilities. Ranked number four among the acquirers in the country, TRANSACTION – AQCUIRING 2019 by International Banker Robinsons Bank was awarded the Highest Percentage of Contactless Transactions for Merchant Acquiring Business by Visa Philippines in 2019. Banking Awards and as the Fastest Growing Commercial Adding to our roster of awards, Simplé Savings® was hailed as the Most Innovative Bank in the Philippines by Banking Product by Global Business Outlook Awards 2019 and awarded as the Best Global Business Outlook Financial Inclusion Program by Bank Marketing Association of the Philippines in 2019. Awards in 2019. These This product intends to support the banking needs of the unbanked and the underserved segment of the country by providing simplified account opening milestones are testaments SIMPLÉ SAVINGS: MOST SIMPLÉ SAVINGS: INNOVATIVE BANKING BEST FINANCIAL process, requiring no maintaining balance, and only Php100.00 to open an account. PRODUCT INCLUSION to the Bank’s exceptional PROGRAM success in carrying out key In our journey towards building stronger relationship with our customers, these strategies and initiatives achievements inspired and propelled us to develop more products and services with in delivering value to our hallmark value. stakeholders. " Putting customers at the center of all our innovations and projects, we kicked off 2019 with a new partnership with JCB International Co., Ltd. for our merchant acquiring and card issuing businesses.
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