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Chairman's Address CHAIRMAN’S ADDRESS Good morning to the stockholders of Janiuay Rural Bank. Ladies and gentlemen, I am again privileged and honored to welcome you to our Annual Stockholders Meeting. These are difficult and challenging times and the rules of social distancing prevent the holding of a ‘normal’ business meeting. However, we are allowed to utilize electronic means to communicate among one another and your Board feels that we should conduct a stockholders’ meeting to complete our corporate mandate to apprise the bank’s stakeholders of our results for 2019 which my brother will discuss with you later and for me to address you of the challenges we are facing in 2020. 2020 would have been a challenge like every year we operate. This year would have been self-imposed because we targeted robust objectives in our business growth and profit results due to the two new branch/branch-lite units we opened late last year. Who would have thought that this covid-19 pandemic would derail all our plans and efforts? There are significant obstacles ahead and the business sector has virtually stopped operating, leaving depositors, borrowers, owners, workers, teachers at home to do little. That description of course fits you and me. But there is a little band of people that rise above this difficult environment because of the importance of banking. This is my brother Dennis, Jiza, the officers and staff of Janiuay RB. Through all the risks they face they have continued to rise above these and continue to run the bank for our depositors and borrowers and the population we serve. While all staff deserve praise, of particular importance deserving of our gratitude are the three staff of JRBI (Bernie, Rhea and Alvin who drives for them) who perform the risky and difficult work of replenishing our ATM units. These machines are our main link to the public who need funds for their salary payments, transfers /remittances, pension and 4Ps disbursements. In many cases aside from the bank visit itself and other remittance agencies, this is the only way they can access their funds. We have adjusted shortened work hours and a 3-day week for Iloilo City BLU since without transport no client can reach us there. Many commercial banks do not even open all their branches and those they open until 1pm only. Income will be affected this year. Every bank will face the difficulties that we will face. The important thing is where the bank is coming from – a position of strength or weakness? All I can say to you is that your bank before Covid had very strong financials – strong capital adequacy ratio (23% vs. Minimum 10%) and minimum liquidity ratio of 41% vs. 16% mandated. Will the downturn affect us? Of course. We are not immune, rest assured we will hurdle the difficult times ahead. Your bank will need everyone, every stockholder to contribute to helping the bank through these hard times. With business and employment just returning, we will need to obtain new loans in all categories, particularly the business sector because loans is our lifeblood. Thank you. LEOPOLDO H. LOCSIN Chairman Note: Delivered by the Chairman of the Board during the Annual Stockholders’ Meeting held last May 18, 2020 via Videoconference (Zoom Application). JANIUAY RURAL BANK, INC. 2019 ANNUAL REPORT Page 1 THE PRESIDENT’S REPORT 2019 RESULTS Increase/Decrease 2018 2019 Php % I. Income Interest Income 13,842,579 16,702,597 2,860,018 20.7 Interest Expense 3,477,403 3,927,971 450,568 12.9 Net Interest Income 10,365,176 12,774,626 2,409,450 23.2 Other Income 7,927,258 8,781,039 853,781 10.8 Non-Interest Expense 16,149,950 17,652,412 1,502,462 9.3 Net Income after Tax 1,708,383 1,891,964 183,581 10.7 Balance Sheet Assets 227,915,484 252,721,423 24,805,939 10.9 Equity 47,005,918 48,897,882 1,891,964 4.0 Deposit Liabilities 178,648,122 198,841,929 20,193,807 11.3 Total Loan Portfolio (net) 122,746,681 135,837,202 13,090,521 10.7 FINANCIAL PERFORMANCE 2019 VS 2018 The Bank’s Interest Income grew 20.7% in 2019 from P13.8M to P16.7M as we resumed our full year APDS operations (2018 had a 6 month- moratorium on APDS releases); Loan Portfolio driven by the APDS business grew 10.7% from P122.7M to P135.8M in 2019, an increase of P13.1Million. Deposit liabilities increased 11.3% or P20.193M to the highest level attained by the bank – P198.841M. Bank’s Service Charge Income grew 43.2% or P1.940M due to the increase in the APDS portfolio which is SC driven. However the gain here was offset by the loss of our 4Ps distribution income which resulted in a gain of only P854K in bank’s Other Income. On the other hand, bank commissions gained P435k in 2019 due to the significant growth in our ATM volume. This growth in ATM withdrawal volume is due to 4Ps beneficiaries now using ATMs to receive their grants while in previous years these were distributed in cash form. Interest Expense grew 12.9% mirroring the growth in deposit liabilities. Non-Interest Expense of the bank grew 9.3% or P1.502M, due to Compensation/Salaries growing to full year booking of high cost officer positions like the Internal Auditor and Compliance Officer (transfer from Loans) and in particular due to the increase in bank head count following the opening of the two new branch/branch lite units in Tapaz, Capiz and Concepcion, Iloilo. This last point of branching expansion deserves further comment. Management and Board has recognized that the bank has reached a plateau in its growth, this despite the dramatic increase of the bank’s deposit liabilities which is driven by input from the current depositor base. However, loan growth in new directions (the growth now is from the APDS business) – particularly MSMEs (business) and agricultural has been slow. There are missed opportunities in these borrowing sectors which is where our long term growth strategy is pinned on as these sectors parallel the government’s objectives of economic growth and stimulus. These sectors also present a much higher rate of interest yield than the APDS loan portfolio on which our lending is anchored and these are the sectors that we do not serve so well. JANIUAY RURAL BANK, INC. 2019 ANNUAL REPORT Page 2 Thus early in 2019, Management decided to explore other areas of growth in particular geographic opportunities far from where bank operations currently exist. Thus were born the applications to establish branch units in two new areas that offered growth potential. This was speedily approved by BSP in mid-year and the units were opened in the 3rd and 4th quarter of 2019. PERFORMANCE MEASURES AND RATIOS 2018 2019 Return on Average Equity 3.69% 3.86% Net Interest Margin 5.27 % 6.10% 2018 2019 Risk-based Capital Adequacy Ratio 22.55% 22.80% Past Due Ratio 17.56% 12.94% Loans (net) to Deposit Ratio 68.71% 68.31% Book value per share P144.63 P139.56 Outstanding shares 325,000 350,000 CAMELS rating of the bank remained at 3 after the December 2019 General Examination of the bank. HIGHLIGHTS OF PERFORMANCE MEASURES AND RATIOS The bank’s capitalization is solid. Risk-based Capital Adequacy Ratio of 22.8% by year end represented a slightly higher rate than 2018’s 22.55% confirming the bank’s strong capitalized position; Past due loans ratio declined to 12.94% from 17.56% as large borrowers in default either were taken out by other lenders, paid out their loans or returned to current status. Loan volume grew significantly – P13Million or 10.7% and while the increase of 11.3% in our deposit liabilities was about the same percentage -wise with loan growth, the peso growth in deposits was much higher than loans, thus Loans to Deposit Ratio (net) declined to 68.3% by year end 2019 from 68.7% in 2018. Early in 2019, BSP approved bank to declare stock dividends of P2.5Million increasing the outstanding capital stock to 350,000 shares. So, despite an increasing net worth, the bank’s book value per share declined to P139.56 due to the dilution effect. 2020 OUTLOOK INCOME 2019 2020 % Incr. Gross Interest Income 16,468,907 23,540,000 42.9 Non-Interest Income 7,812,481 12,738,000 63.0 Gross Income 24,281,388 36,278,000 49.4 Other Expenses 22,705,238 29,072,000 28.0 Net Income After tax 1,840,295 5,046,000 274.2 BALANCE SHEET 2019 2020 Assets 240,473,694 265,000,000 Liabilities 191,868,006 213,000,000 Equity 48,605,688 52,000,000 JANIUAY RURAL BANK, INC. 2019 ANNUAL REPORT Page 3 EXPECTATIONS – 2020 - ALL BETS ARE OFF There were ambitious objectives in the bank’s 2020 plans as outlined by the Chairman in his address, in particular the results expected from the two new units. However, everything is off the table now with the Covid-19 pandemic starting March, 2020. Our entire focus is now on SURVIVAL. Lending has dried up, but we know there is a pent- up demand from the consumer side and the business delivery side to satisfy the consumer need, whether food or goods or services. Everyone from the highest level of ownership and board and management, officers and staff need to put up 100% focus on the job at hand.
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