FIRST BATCH – 19 June ‐ 15 July 2017
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Frequently Asked Questions on What Is Pesonet?
Frequently Asked Questions on What is PESONet? PESONet is a new electronic fund transfer service that enables customers of participating banks, e- money issuers or mobile money operators to transfer funds in Philippine Peso currency to another customer of other participating banks, e-money issuers or mobile money operators in the Philippines. It is more inclusive platform for Electronic Fund Transfers which will make G2B(Government-to- Business) and G2C(Government-to-Consumer) payments more practical, convenient, fast, and secure. What is the purpose of PESONet? Through PESONet, businesses, government, and individuals will be able to conveniently pay or transfer funds from their account to one or multiple recipient accounts in other financial institutions. PESONet is the perfect alternative to the still widely used paper-based check system. What are the features of PESONet? What are the uses of PESONet? How does PESONet work? Customers instruct their financial institution to send credit instructions to other financial institutions via online banking, mobile banking or over-the-counter transaction. They need to provide the payees’ financial institution, account number, and amount. The credit instruction is transmitted by the financial institution to the clearing switch operator, which currently is the Philippine Clearing House Corporation (PCHC). The funds are settled in the respective financial institutions demand deposit accounts held in Bangko Sentral ng Pilipinas (BSP) through BSP’s Philippine Payments and Settlement System (PhilPaSS). Upon settlement, the beneficiary’s or payee’s financial institution will credit the payee's account. How long does it take to transfer funds via PESONet? The availability of funds to the receiving account shall depend on the facility used to carry out your transaction. -
As of 09 July 2012 Rural Bank Partner Address
RURAL BANK PARTNER ADDRESS AS OF 09 JULY 2012 Pick-up channel Branch Address 1 Bangko Kabayan BALAYAN BRANCH Antorcha St., Balayan, Batangas 2 Bangko Kabayan AGONCILLO BRANCH J. Mendoza Street, Poblacion, Agoncillo, Batangas 3 Bangko Kabayan BATANGAS CITY BRANCH Romero Dy. Bldg., P. Burgos St. Batangas City 4 Bangko Kabayan CALACA BRANCH Marasigan St. Poblacion, Calaca, Batangas 5 Bangko Kabayan CALATAGAN BRANCH Ayala St. Brgy 3, Poblacion Calatagan, Batangas 6 Bangko Kabayan CUENCA BRANCH National Road, Poblacion, Cuenca, Batangas 7 Bangko Kabayan IBAAN BRANCH Santiago Street, Poblacion, Ibaan, Batangas 8 Bangko Kabayan LEMERY BRANCH Ilustre St., Poblacion, Lemery, Batangas 9 Bangko Kabayan MABINI BRANCH Poblacion Mabini, Batangas 10 Bangko Kabayan NASUGBU BRANCH P. Rinosa St. Poblacion Nasugbu, Batangas 11 Bangko Kabayan ROSARIO BRANCH Barangay C Poblacion Rosario, Batangas 12 Bangko Kabayan SAN JOSE BRANCH Taysan, San Jose, Batangas 13 Bangko Kabayan SAN JUAN BRANCH Gen. Luna Street, Poblacion San Juan, Batangas 14 Bangko Kabayan SAN PASCUAL BRANCH San Antonio, San Pascual, Batangas 15 Bangko Kabayan TANAUAN BRANCH J.P. Laurel Highway (National Highway), Tanauan City, Batangas 16 Bangko Kabayan LIPA CITY BRANCH Laguerta Bldg., P. Torres ST., Lipa City 17 Bank of Florida PULILAN BRANCH Barangay Cutcut, Pulilan, Bulacan 18 Bank of Florida GLOBAL CITY BRANCH Unit 6, 3rd Flr., The Fort Strip Building, Bonifacio Center, Fort Bonifacio, Global City, Taguig 19 Bank of Florida ARAYAT BRANCH Poblacion, Arayat, Pampanga 20 Bank of Florida CANDABA BRANCH Poblacion, Candaba, Pampanga 21 Bank of Florida FLORIDABLANCA BRANCH Poblacion, Floridablanca, Pampanga 22 Bank of Florida GUAGUA BRANCH Plaza Burgos, Guagua, Pampanga 23 Bank of Florida MABALACAT BRANCH Sta. -
Cost of Doing Business in the Province of Iloilo 2017 1
COST OF DOING BUSINESS IN THE PROVINCE OF ILOILO 2017 Cost of Doing Business in the Province of Iloilo 2017 1 2 Cost of Doing Business in the Province of Iloilo 2017 F O R E W O R D The COST OF DOING BUSINESS is Iloilo Provincial Government’s initiative that provides pertinent information to investors, researchers, and development planners on business opportunities and investment requirements of different trade and business sectors in the Province This material features rates of utilities, such as water, power and communication rates, minimum wage rates, government regulations and licenses, taxes on businesses, transportation and freight rates, directories of hotels or pension houses, and financial institutions. With this publication, we hope that investors and development planners as well as other interested individuals and groups will be able to come up with appropriate investment approaches and development strategies for their respective undertakings and as a whole for a sustainable economic growth of the Province of Iloilo. Cost of Doing Business in the Province of Iloilo 2017 3 4 Cost of Doing Business in the Province of Iloilo 2017 TABLE OF CONTENTS Foreword I. Business and Investment Opportunities 7 II. Requirements in Starting a Business 19 III. Business Taxes and Licenses 25 IV. Minimum Daily Wage Rates 45 V. Real Property 47 VI. Utilities 57 A. Power Rates 58 B. Water Rates 58 C. Communication 59 1. Communication Facilities 59 2. Land Line Rates 59 3. Cellular Phone Rates 60 4. Advertising Rates 61 5. Postal Rates 66 6. Letter/Cargo Forwarders Freight Rates 68 VII. -
DIRECTORY of PDIC MEMBER RURAL BANKS As of 27 July 2021
DIRECTORY OF PDIC MEMBER RURAL BANKS As of 27 July 2021 NAME OF BANK BANK ADDRESS CONTACT NUMBER * 1 Advance Credit Bank (A Rural Bank) Corp. (Formerly Advantage Bank Corp. - A MFO RB) Stop Over Commercial Center, Gerona-Pura Rd. cor. MacArthur Highway, Brgy. Abagon, Gerona, Tarlac (045) 931-3751 2 Agribusiness Rural Bank, Inc. 2/F Ropali Plaza Bldg., Escriva Dr. cor. Gold Loop, Ortigas Center, Brgy. San Antonio, City of Pasig (02) 8942-2474 3 Agricultural Bank of the Philippines, Inc. 121 Don P. Campos Ave., Brgy. Zone IV (Pob.), City of Dasmariñas, Cavite (046) 416-3988 4 Aliaga Farmers Rural Bank, Inc. Gen. Luna St., Brgy. Poblacion West III, Aliaga, Nueva Ecija (044) 958-5020 / (044) 958-5021 5 Anilao Bank (Rural Bank of Anilao (Iloilo), Inc. T. Magbanua St., Brgy. Primitivo Ledesma Ward (Pob.), Pototan, Iloilo (033) 321-0159 / (033) 362-0444 / (033) 393-2240 6 ARDCIBank, Inc. - A Rural Bank G/F ARDCI Corporate Bldg., Brgy. San Roque (Pob.), Virac, Catanduanes (0908) 820-1790 7 Asenso Rural Bank of Bautista, Inc. National Rd., Brgy. Poblacion East, Bautista, Pangasinan (0917) 817-1822 8 Aspac Rural Bank, Inc. ASPAC Bank Bldg., M.C. Briones St. (Central Nautical Highway) cor. Gen. Ricarte St., Brgy. Guizo, City of Mandaue, Cebu (032) 345-0930 9 Aurora Bank (A Microfinance-Oriented Rural Bank), Inc. GMA Farms Building, Rizal St., Brgy. V (Pob.), Baler, Aurora (042) 724-0095 10 Baclaran Rural Bank, Inc. 83 Redemptorist Rd., Brgy. Baclaran, City of Parañaque (02) 8854-9551 11 Balanga Rural Bank, Inc. Don Manuel Banzon Ave., Brgy. -
Economic Structure
ECONOMIC STRUCTURE Type of Business Number of Establishment Resorts 11 Banks 39 Restaurant & Eatery 111 Hotels/ Inns 46 Gasoline Station 22 Rice Mill 54 Medium & Small 2,605 Establishments Tourist Arrivals for 2015 73,821 Tourist Arrivals for 2016 81,874 List of Banks with ATM & Offsite ATM NO. NAME OF BANKS LOCATION With ATM ATM Offsi 1 Agri Business Rural Bank Camilmil 1 2 Asia United Bank San Vicente 1 3 Banco Alabang (A Rural Bank) San Vicente West 4 Banco de Mindoro ( A Rural Bank) Ibaba East 5 Banco de Oro Unibank Inc. San Vicente East 2 6 Banco de Oro Unibank Inc. Camilmil 2 7 Bank of Commerce San Vicente 1 8 Bank of Makati Lumangbayan 9 Bank of the Phil. Islands San Vicente East 2 10 Bank of the Phil. Islands Camilmil 3 11 Card Bank, Inc. Comunal 12 Card Bank, Inc. Sta. Isabel 13 Card Bank, Inc. Bucayao 14 Card Bank, Inc. Biga 15 Card Bank, Inc. Comunal 16 Card Rural Bank, Inc. Ilaya 1 17 China Banking Corp. San Vicente South 1 18 City Savings Bank, Inc. Camilmil 1 19 Country Bank San Vicente North 20 Development Bank of the Phils. Sto. Nino 1 1 21 East West Banking Corp San Vicente South 1 22 First Consolidated Bank San Vicente South 1 23 Land Bank of the Phils. Sto. Nino 3 4 24 Maybank Philippines, Inc San Vicente South 1 25 Metrobank San Vicente 2 2 26 Metrobank Lalud 1 27 Microfinance Savings Bank Ibaba East 28 Robinson's Bank Corp Lumangbayan 1 29 Philippine Business Bank San Vicente East 1 30 Philippine National Bank Camilmil 1 31 PNB Savings Bank San Vicente West 1 32 RCBC Savings Bank Camilmil 1 1 33 Rural Bank of Baco San Vicente 34 Rural Bank of Pinamalayan, Inc. -
This Directory Is As of August 04, 2016 METRO MANILA PICK-UP CHANNEL PROVINCE AREA/CITY ADDRESS PALAWAN PAWNSHOP METRO MANILA MANILA 1738 D JUAN ST
METRO MANILA PICK-UP CHANNEL PROVINCE AREA/CITY ADDRESS PALAWAN PAWNSHOP METRO MANILA CALOOCAN CITY UNIT B-5 A. MABINI STREET, CALOOCAN CITY LANDMARK: WITHIN SANGANDAAN PLAZA, A. MABINI PALAWAN PAWNSHOP METRO MANILA CALOOCAN CITY 368 EDSA, CALOOCAN CITY LANDMARK: FRONT OF MCU (MANILA CENTRAL UNIVERSITY) PALAWAN PAWNSHOP METRO MANILA CALOOCAN CITY STALL #1, MARIETTA ARCADE, 1107 GE. SAN MIGUEL ST., SANGANDAAN, CALOOCAN LANDMARK: NEAR UNIVERSITY OF CALOOCAN RD PAWNSHOP METRO MANILA CALOOCAN CITY 149-D AVE., GRACE PARK, CALOOCAN CITY RD PAWNSHOP METRO MANILA CALOOCAN CITY A1 LTL BLDG. CAMARIN RD. COR. SIKATUNA AVE. URDEJA V CARD BANK METRO MANILA LAS PIÑAS CITY BRGY E. ALDANA REAL ST. LAS PIÑAS CITY PALAWAN PAWNSHOP METRO MANILA LAS PIÑAS CITY 407 ALABANG-ZAPOTE RD., TALON 1, LAS PINAS LANDMARK: FRONT OF MOONWALK MARKET PALAWAN PAWNSHOP METRO MANILA LAS PIÑAS CITY 487 ALMANZA GREGORIO AVENUE, LAS PIÑAS CITY LANDMARK: NEAR SM SOUTH MALL PALAWAN PAWNSHOP METRO MANILA LAS PIÑAS CITY 325 DE GUZMAN COMPOUND, REAL ST. PULANG LUPA 1, LASPINAS CITY LANDMARK: NEAR SHELL STATION PALAWAN PAWNSHOP METRO MANILA LAS PIÑAS CITY UNIT H, ZAPOTE-ALABANG RD, PAMPLONA, LAS PIÑAS LANDMARK: NEAR ZAPOTE FLYOVER PALAWAN PAWNSHOP METRO MANILA LAS PIÑAS CITY BLK 2 LOT 12 CAA ROAD, AGUILAR AVE., PULANG LUPA DOS, LAS PINAS CITY LANDMARK: IN FRONT OF MARY QUEEN OF APOSTLES PARISH PALAWAN PAWNSHOP METRO MANILA LAS PIÑAS CITY 400 REAL ST., TALON, LAS PINAS CITY LANDMARK : NEAR PUREGOLD MOONWALK RD PAWNSHOP METRO MANILA LAS PIÑAS CITY BLDG. B, CTC COMM. REAL ST. RD PAWNSHOP METRO MANILA LAS PIÑAS CITY 400 REAL ST. -
Regional Fisheries Livelihood Program (RFLP) (GCP/RAS/237/SPA)
Regional Fisheries Livelihood Program (RFLP) (GCP/RAS/237/SPA) Output 5: Facilitated access to microfinance services for fishers, processors and vendors. FAO-Commissioned APRACA FishFinance Scoping Mission A consolidated report of the results and recommendations of the APRACA National Consultants from the six (6) countries covered by the RFLP. This document is an output from a project funded by the Ministerio de Asuntos Exteriores y de Cooperación (MAEC) of Spain and implemented by the Food and Agricultural Organization (FAO). The views expressed here are not necessarily those of the MAEC neither of the FAO. Consolidated by: Xavier Tezzo February 2011 1 TABLE OF CONTENTS List of Acronyms.......................................................................................................... 8 List of Figures ............................................................................................................ 11 Currencies ................................................................................................................. 12 Introduction .............................................................................................................. 13 Background ................................................................................................................ 13 Purpose of the scoping mission ................................................................................ 14 Consultancy team and schedule of activities ............................................................ 15 Structure of the report -
1St Valley Bank
1ST VALLEY BANK 2015 COMPANY PROFILE WHO WE ARE COMPANY INFORMATION & 1st Valley Bank is a multi-awarded development bank servicing CONTACT DETAILS Regions IX (Zamboanga Peninsula), X (Northern Mindanao), XI (Davao City), Caraga Region and some key cities in the Visayas. 1ST Valley Bank, a Development It has 31 branches, 7 extension offices, and 1 other banking Bank office. Head Office: Carmen, Cagayan de Oro 1st Valley Bank is one of the largest independent developmental Phone Numbers: (88)8584153 banks based in Mindanao. Its focus is to fund development Fax Numbers: (88)8565632 projects and businesses through the provision of loan capital. Email: [email protected] The Bank also offers technical assistance to its borrowers to increase their assurance of success. Annual Income: Total Employees: Total Branches: 31 branches BRIEF HISTORY plus 8 extension offices 1st Valley Bank was formerly known as the Rural Bank of Kapatagan Valley (RUBANKA) first, and then Kapatagan Valley MANAGEMENT DIRECTORY Bank (KVB). It earned its license to operate on November 24, Chief Executive Officer / President 1956 and became the 75th rural bank in the country. On April 5, Atty. Nicolas J. Lim 1957, the Bank has earned its prestigious membership in the Rural Bank Association of the Philippines (RBAP). Executive Vice President Nelson L. Te In April 2004, Kapatagan Valley Bank entered into a Human Resources Executive consolidation agreement with Rural Bank of Sinacaban. On Vivian V. Lim August 30, 2005, the Securities and Exchange Commission (SEC) issued the Certificate of Consolidation and Certificate of Chief of Staff Glenn A. Mendez Incorporation to the merging institutions. -
Here to Push Frontiers for a More Inclusive Sector but Also in Knowing Where to Restrain Expansion That May Bring About Client Multi-Borrowings
Contents Acronyms 2 List of Figures 3 List of Tables 3 PREFACE 4 I. INTRODUCTION 5 1.1 Brief Profile of the MFI participants 7 1.2 The Methodology 9 1.2.1 The Data Collection 10 1.2.2 Data Processing 10 1.2.3 The Results 13 1.3 Data integrity and protection 13 1.4 The Scope and Limitation 13 II. THE RESULTS 15 2.1 The national overview of client saturation in the Barangays 15 2.2 The State of Client Saturation in the Municipalities 17 2.3 The Depth of Outreach in the Municipal Level 22 2.4 The State of Client Saturation in the Provinces 24 2.5 The Depth of Outreach in the Province Level 25 2.6 The Impact of concentration of MFIs on the average 27 Outreach in the Municipal Level 2.7 Conditional Cash Transfer Outreach and Microfinance outreach 29 III. THE EMERGING CONCLUSION 31 IV. Way Forward 32 References 34 Annex A 35 Appendix 37 Acronyms CBI Client Barangay Index CCT Conditional Cash Transfer CMI Client Municipal Index CNCMI Consortium for the National Client Mapping Initiative Cordaid Catholic Organization for Relief and Development Aid CPI Client Province Index DSWD Department of Social Welfare and Development ICCO Interchurch Organization for Development Cooperation MCPI Microfinance Council of the Philippines, Inc MASS-SPECC Mindanao Alliance of Self-help Societies - Southern Philippines Education Cooperative Center MICOOP Microfinance Innovations in Cooperatives MFI Microfinance Institution NGO Non-governmental Organization NSCB National Statistical Coordination Board PPI Progress out of Poverty Index PSGC Philippines Standard Geographic -
Always Here Always in Always On
ALWAYS ALWAYS ON HERE ALWAYS IN ANNUAL REPORT 2019 About the Theme Always ON. Always IN. Always HERE. The banking industry is facing major disruptions and challenges. Those that cannot thrive in this operating environment are bound to wither and die on the vine. For EastWest Bank, to be successful in its chosen markets means being consistent — always. ALWAYS ON, uncovering moments of opportunity, such as offering digital solutions to enable more Filipinos to access our products and services in the channel or on the time of their choosing. ALWAYS IN, being innovative and entrepreneurial, staying relevant to rapidly evolving needs and customer preference, and being agile and flexible, especially as circumstances change. ALWAYS HERE, assuring our customers that we will be their partner — in good times or in bad — to help them achieve their dreams. Customers can rely on our proven financial strength, soundness, and stability to assist them during periods of uncertainty. Brand Pillars Service Pillars • Insightful expertise directed PERSONABLE: Warm and positive attitude, genuine sentiment, and towards your priorities personal concern for the customer’s well-being and business affairs • Dedication to making banking easier for you DEPENDABLE: Dedicated to making banking as easy as possible for the customer — taking the effort away whenever we can but with • Entrepreneurial spirit to realize professional regard for due process our collective best potential PROACTIVE: Actively listening, offering the right information at the right time, considering -
Remittance Bank List of Philippines Bank Name
Remittance Bank List of Philippines Bank Name AL AMANAH ISLAMIC INVESTMENT BANK ALLBANK ANZ BANK ASIA UNITED BANK BANK OF AMERICA BANK OF CHINA BOF, INC (A Rural Bank) - (BANK OF Florida) BANGKOK BANK PUBLIC CO LTD BDO - BANCO DE ORO BDO NETWORK BANK BDO PRIVATE BANK BOC - BANK OF COMMERCE BPI - BANK OF THE PHILIPPINE ISLANDS BPI FAMILY BANK BPI DIRECT BANKO CAMALIG BANK, INC (A Rural Bank) CEBUANA LHUILLIER RURAL BANK INC CHINA BANK CHINA BANK SAVINGS CTBC BANK ( FORMER CHINA TRUST) CIMB BANK PHILIPPINES, INC. CITIBANK DBP - DEVELOPMENT BANK OF THE PHILIPPINES DEUTSCHE BANK DUNGGANON BANK EAST WEST BANK EASTWEST RURAL BANK EQUICOM SAVINGS BANK INC FIRST CONSOLIDATED BANK HSBC - HONGKONG AND SHANGHAI BANKING CORPORATION HSBC SAVINGS BANK INDUSTRIAL BANK OF KOREA ING BANK N.V. ISLA BANK INC. KEB HANA (Korea Exchange Bank) JP MORGAN CHASE BANK LBP - LAND BANK OF THE PHILIPPINES MALAYAN BANK SAVINGS AND MORTGAGE BANK INC (MALAYAN SVGS) MAYBANK PHILIPPINES INC (PNB Republic) MEGA INTL COMML BANK CO LTD (ICBC) MIZUHO BANK LTD (FUJI BANK) MUFG BANK LTD (BANK OF TOKYO) PARTNER RURAL BANK (COTABATO) INC PBCOM - PHILIPPINE BANK OF COMMUNICATIONS PHIL BUSINESS BANK PHILIPPINE VETERANS BANK PHILTRUST CO (Philtrust Bank) PNB - PHILIPPINE NATIONAL BANK (Allied Bank) PRODUCERS SAVINGS BANK CORP PSBANK - PHILIPPINE SAVINGS BANK QUEZON CAPITAL RURAL BANK INC RCBC - RIZAL COMMERCIAL BANKING CORPORATION ROBINSONS BANK CORPORATION RURAL BANK OF GUINOBATAN INC (RBGI) SECURITY BANK CORPORATION SHINHAN BANK STERLING BANK OF ASIA SUMITOMO MITSUI BANKING CORP SUN SAVINGS BANK INC THE STANDARD CHARTERED BANK UCPB - UNITED COCONUT PLANTERS BANK UCPB SAVINGS BANK UNION BANK OF THE PHILIPPINES (City Savings Bank) UNITED OVERSEAS BANK PHILIPPINES WEALTH DEVELOPMENT BANK YUANTA SAVINGS BANK PHILS INC (Tongyang) . -
Annual Report 2017
ANNUAL REPORT 2017 METRO CEBU PUBLIC SAVINGS BANK Email: [email protected] Address: Sia Bldg., N. Bacalso Ave., Brgy. Duljo Fatima, Cebu City Tel No.: 231-4043 / 231-3923 2 CONTENTS CORPORATE POLICY______________________________________________________ 3 Vision __________________________________________________________________ 3 Mission _________________________________________________________________ 3 Company Profile __________________________________________________________ 4 A MESSAGE FROM THE PRESIDENT _________________________________________ 5 Financial Highlights 2017 ___________________________________________________ 7 Financial Summary ______________________________________________________ 10 RISK MANAGEMENT FRAMEWORK __________________________________________11 Overall Risk Management Culture and Philosophy ______________________________ 11 AML Governance and Culture ______________________________________________ 12 CORPORATE GOVERNANCE _______________________________________________ 13 Governance Structure ____________________________________________________ 13 Chairman of the Board of Directors __________________________________________ 14 Board Composition_______________________________________________________ 15 THE BOARD OF DIRECTORS _______________________________________________ 16 Board Committees, Membership and Functions __________________________________ 21 Directors’ Attendance at Board and Committee Meetings __________________________ 27 List of Executive Officers ____________________________________________________