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HISTORY,
Founded in September 5, 1962, Metro Bank and Trust Co, has since become the premier universal bank and among the foremost financial institutions in the Philippines.
It offers a full range of banking and other financial products and services, including corporate, commercial and consumer banking, as well as credit card, remittances, leasing, investment banking and trust banking. Metrobank currently spans a consolidated network of over 1,400 ATMs nationwide; 721 domestic branches; and 52 foreign branches, subsidiaries, and representative offices. It opened its first local branch in 1963, then expanded beyond Philippine shores only a few years after its establishment.
HISTORY, cont.
Metrobank rolled out its first international branch in Taipei in 1970 and a representative office in Hong Kong in 1973. It established Metrobank Foundation, Inc. in 1979, putting emphasis on both business success and community contribution. The Foundation has since become one of the largest and most respected charitable organizations in Asia. In 1981, Metrobank was listed in the Philippine Stock Exchange and acquired its universal banking license, gaining significant equity ownership in local and international subsidiaries.
HISTORY, cont.
It established its own credit card company, Unibancard Corporation (now Metrobank Card Corporation) in 1986.
In 1995, Metrobank became the first billion dollar bank with total capital of Php22.8 billion, the largest in the industry.
It is the first local bank to raise supplementary capital overseas with a total of US $325 million in Lower Tier 2 Capital and Hybrid Tier 1 Capital in the years 2003 2006. Metrobank was the first to be granted a banking license by the Japanese Ministry of Finance. It was also the first Philippine bank in Korea.
BOARD OF DIRECTORS
Name Dr. George S.K. Ty Arthur V. Ty Francisco C. Sebastian Fabian S. Dee Position Group Chairman Chairman Vice Chairman President / Director
Renato C. Valencia
Remedios L. Macalincag Jesli A. Lapus Robin A. King Vicente B. Valdepeas Rex C. Drilon II Amelia B. Cabal Edmund A. Go Antonio V. Viray
Independent Director
Independent Director Independent Director Independent Director Independent Director Independent Director Director Director Director
BRANCHES
LOCAL BRANCHES
721
315 207 100
NCRLUZONVISAYAS-
MINDANAOAMERICASASIAMIDDLE EASTEUROPE-
99
FOREIGN BRANCHES
52
11 22 13 6
OVERALL BRANCHES -
773
PERSONAL BANKING
Deposit Accounts
Consumer Loans eChannels Debit/Prepaid Cards
DEPOSIT ACCOUNTS
SAVINGS ACCOUNTS CHECKING ACCOUNTS TIME DEPOSITS
Savings Account
Interest-bearing deposit account which you keep track of through a personal passbook. You can deposit funds at any Metrobank branch by accomplishing the appropriate deposit slip and presenting your passbook, slip, and cash or check at the service counter.
Pay your bills at any of over 1,000 Metrobank ATMs and over 2,600 other BancNet ATMs nationwide.
Shop without cash at point-of-sale terminals located in several stores, supermarkets, and establishments. Shop abroad in any Maestro-accredited establishment, or get cash in Cirrusaccredited banks in the currency of the country youre visiting . Buy prepaid phone PINs
Metrobank's Fun Savers Club shows your kids how to save in simple terms that excite young financial minds. Benefits:
Free educational trust benefit worth P50,000 (with minimum ADB requirement)
Free personal accident insurance worth twice the ADB, not to exceed P1 million (with minimum ADB requirement) Exclusive discounts and privileges from partner establishments
The FSC GC is a special gift check intended to initially fund a new FSC Account or to add funds to an existing FSC account The FSC GC can be purchased over-the-counter at any Metrobank branch for P500.00 only. Anyone can purchase a FSC GC. Depositors, Non-Depositors, Individuals, and Corporate Entities can all avail of this product.
CHECKING ACCOUNTS
A checking account is a safe, convenient, and worry-free way to deposit funds, settle your bills or loan installment payments. It also lets you keep better track of your payments through a monthly statement delivered at your doorstep.
Account One
The ultimate in interest-bearing checking accounts, Account One is a hassle-free, all-in-one product. It comes with a passbook and an ATM card that lets you access over 1,700 automated teller machines and over 7,400 ATMs within the Bancnet, Expressnet , and Megalink networks.
MetroChecking Extra
A MetroChecking Extra is the best value for money checking account because it earns interest just like a regular savings account. MetroChecking Extra gives you:
TIME DEPOSITS
P10,000 minimum placement Available in 30, 60, 90, 180, and 360-day terms Subject to Withholding Tax Depositors are given a certificate to confirm their deposit
US$1,000 minimum placement Available in 30, 60, 90, 180, and 360-day terms Subject to Withholding Tax
Available in British Pound, Japanese Yen, Canadian Dollar, Euro, Swiss Franc, Chinese Yuan, Australian Dollar, Hong Kong Dollar, Singapore Dollar Available in 30, 60, 90, 180, and 360-day terms Subject to Withholding Tax Evidenced by a Certificate of Time Deposit Interest rates based on prevailing market rate
CONSUMER LOANS
Home Loan Car Loan
HOME LOAN
Purchase a lot Purchase a house and lot Purchase a lot and construct a house Build a house and a lot you own Buy a condominium Buy a townhouse Renovate or extend your house Refinance or take-out an existing housing loan
Minimum loan amount of P500,000.00 Maximum - Open, provided within 30% credit ratio or 60-80% loan to collateral ratio depending on the loan purpose, whichever is lower
The interest rate added to the loan amount will vary depending on the prevailing market rates at the time the loan is released and may be fixed for 1 year, or for 2, 3, 4, 5 up to 10 years.
Equal monthly amortization, covering principal and interest, to start one (1) month after loan is released Post-dated checks or auto debit arrangements
Existing loans are repriced yearly after the initial fixing period, or every 2, 3, 4 or 5 years depending on availability of such longer fixing periods.
Appraisal fee, handling fee, inspection fee, Real Estate Mortgage Registration Fee, Doc Stamps, Notarial/Legal Fees, Insurance Premiums
CAR LOAN
Salaried Individual
Stable source of steady and sufficient income At least 21 years old, not to exceed 65 years old upon loan maturity If residence is rented, applicant should have occupied the residence for at least 5 years and has a landline Requirements:
-Signed car loan application form -Latest Income Tax Return (ITR) -Certificate of employment with details on salary, position, and length of service
Self-Employed Individual
At least 21 years old, not to exceed 65 years old upon loan maturity
If residence is rented, applicant should have occupied the residence for at least 5 years and has a landline
Requirements: -Signed car loan application form
Minimum: 12 months
Maximum: 60 months
In uniform monthly amortization payments, paid in arrears (1 month after loan is booked).
Modes of payment: Post-Dated Checks, Auto Debit Arrangement
eChannels
Metrobankdirect Personal Mobile Banking
Phone Banking
Metrobankdirect Personal
Inquire and view current, available, float, and hold balances (if any) of your enrolled deposit accounts Transfer funds from your enrolled source account/s to enrolled own or third party target accounts immediately or at a future date Pay your credit cards, utilities, and insurance through the Internet. Just enroll your account at one of your servicing Metrobank branches. No need to enroll the merchant or biller at the branch; you can do it conveniently on your computer. Reorder checks Inquire and view your internet banking transactions or activities for the day View, print or download the account statement of your enrolled accounts, or request for older account statements Settle stock trading transactions with First Metro Securities Brockerage Corporation (FMSB)
Mobile Banking
Inquire about your account balance Buy prepaid load Pay your bills like utilities, insurance fees, school tuition fees, etc. Transfer funds to another Metrobank account Request for transaction history Change your mobile PIN (MPIN)
Phone Banking
Enroll your account in Metrophone Banking and you can do any of these transactions
Inquire your account balance or the last three transactions you did on your account, regardless of whether you did it at the branch, through the ATM, phone, or Internet. Pay bills. Transfer funds from your account to another, whether yours or somebody elses, regardless of the branch where that account was opened. (Note: Be sure to enroll the other account where you want to transfer funds to.)
Order another checkbook. The cost of the checkbook will be debited from your account.
Request for a Bank Statement. This will be sent to you by fax. A very minimal charge will be debited from your account for provincial requests. Change your MAC to secure your access to your enrolled account. Talk to our live agent for any concerns, suggestions, and comments you may have about your transaction or our products and services.
Debit/Prepaid Cards
Metrobank Debit Card Metrobank Prepaid Card
Get your personalized and ready-to-use debit card instantly in all Metrobank branches nationwide! Cashless shopping and dining convenience in over 30.2 million MasterCard-affiliated merchants worldwide. Simply present your Metrobank debit card to the cashier for swiping and the purchase amount will be charged to your debit card. Easy access to your funds, free of charge at more than 1,200 Metrobank ATMs nationwide Nationwide coverage through any Bancnet, Expressnet and Megalink ATMs and worldwide coverage through 1.6 million MasterCard/Maestro/Cirrus ATMs in over 210 countries. 24/7 access to your account through Metrobankdirect online banking, Mobile Banking and Metrophone.
With the Metrobank Prepaid Card, you can budget for the family in 4 easy steps: 1. Get a personalized prepaid card for your family and household members in all Metrobank branches instantly! Download the file here. 2. Load the card using Metrobankdirect online banking, Metrobank mobile banking, phone banking, ATM and at a branch. 3. Use this prepaid card in the following ways:
Access funds at 1,200 Metrobank ATMs, free of charge! Transact at 11,000 Bancnet, Expressnet and Megalink ATMs nationwide and 1.6 million MasterCard/Maestro/Cirrus ATMs in over 210 countries. Use the card in 30.2 million MasterCard-affiliated establishments worldwide. Simply present the Metrobank Prepaid Card to the cashier for swiping.
4. Monitor balances 24/7 through Metrobankdirect online banking, Metrobank mobile banking, phone banking and ATM.
Metrobank Cards
Metrobank Cards
Metrobank Credit Card (Classic & Gold) Metrobank Femme Visa Metrobank Platinum MasterCard
PERSONAL INSURANCE
Life Insurance Products Traditional Life Insurance Products Supplements For Basic Life Plans Wealth Management Solutions The Icon Funds
Life Insurance
BUSINESS BANKING
Corporate Loans
Trade Products and Services Treasury Products for Businesses
CASH MANAGEMENT
Basic banking Cash Flow/Liquidity Solutions Collection Solutions Disbursement Solution Payroll Solutions eGovernment Solutions
Basic Banking
Below are some of the features that you can access:
Account Information Account Statement Check Status Inquiry Fund Transfer Bills Payment Remittance
Loan Inquiry
Checkbook Reorder
Account Sweep
A transaction account that transfers balances of other accounts into one main account. Sweeping can be preset on different schedules or done manually.
Reverse Sweep A facility that enables client to distribute funds to clients other accounts (Satellite Accounts) from the Main Account.
Collection Solutions
An online facility that enables clients to collect directly from their customers' Metrobank accounts thru an online and REAL TIME debit from their accounts.
It is a custodial service where you can outsource the safekeeping of its post-dated checks (PDCs) to Metrobank It is an internet-based facility where Billers and their Buyers can commence trade transactions.
This is a payment gateway that facilitates the transfer of information between a payment portal and Metrobankdirect, the internet banking facility of Metrobank.
Deposit Pick-up
Have your cash picked up by bank personnel with armored escorts and then securely deposited to your Metrobank account.
Disbursements Solutions
Auto Credit
Pay your suppliers, agents, dealers & beneficiaries via fund transfer.
Comprehensive Disbursement
A web-based check-writing facility for check releasing to your suppliers, agents, beneficiaries, etc.
A user-friendly software installed on your system to allow you to print your own Metrobank corporate checks. It is a payment facility that allows the corporate client to electronically pay various trade and non-trade suppliers.
Payroll Solutions
Payroll Services Pay your employee salaries, commissions and advances by electronically crediting their payroll accounts through Metrobankdirect Paycard It is a company-owned ATM card that you can use when paying/crediting the salary of contractual employees, commissions of salesmen, dealers, and agents.
BENEFITS
eGovernment Solutions
Tax Direct
It is a fast, reliable and free service that allows you to remit taxes to the Bureau of Internal Revenue (BIR) thru metrobankdirect by simply debiting your bank account. An online service that allows you to debit your account and transmit your monthly contributions and loan repayments to SSS.
SSS Payment
Savings Accounts
Checking Accounts
MetroChecking Extra
AccountOne Commercial
TIME DEPOSITS
P10,000 minimum placement Available in 30, 60, 90, 180, and 360-day terms Subject to Withholding Tax Depositors are given a certificate to confirm their deposit
US$1,000 minimum placement Available in 30, 60, 90, 180, and 360-day terms Subject to Withholding Tax
Available in British Pound, Japanese Yen, Canadian Dollar, Euro, Swiss Franc, Chinese Yuan, Australian Dollar, Hong Kong Dollar, Singapore Dollar Available in 30, 60, 90, 180, and 360-day terms Subject to Withholding Tax Evidenced by a Certificate of Time Deposit Interest rates based on prevailing market rate
Corporate Loans
Loans for Capital Expenditures Corporate Finance and Consultancy
TIME LOAN
Term of 1 yr. Or less; Pay interest monthly; Pay principal at the end of the term
AMORTIZED LOAN
Get an Amortized Loan if you want to pay in equal monthly installments. Pay principal in equal installments
STRAIGHT LOAN
Lump sum or staggered loan availment; Pay principal at maturity; Pay interest monthly in advance
SYNDICATED LOAN
Minimum P300 million loan amount (or its dollar equivalent) Tenor of 3-10 yrs 91-day T-Bill or Phibor as reference rate Maximizes value of collateral Various types of allowable collateral
STRUCTURED FINANCE
For projects with revenue stream like infrastructure or power generation Minimum P300 million loan amount (or its dollar equivalent) Tenor of 3-10 yrs 91-day T-Bill or Phibor as reference rate Various types of allowable collateral Special accounts to monitor revenues, expenses, and debt service Limited scope of risk analysis
EQUITY ISSUANCE
FINANCIAL ADVISORY
Our Financial Advisory service can help you decide on the most efficient way to raise your companys capital requirement. With our track record and expertise in corporate finance products Depending on your requirements, we can
Letter of Credit
You may open LCs through Metrobank in favor of your suppliers. The use of LCs in trade is often favored over other modes of payment because of the security that it offers for both the importer/buyer and the seller.
Special Types:
Standby LC Bank Guaranty CLCU (Credit line Certification with Bank Undertaking)
Trust Receipt
Floor Stock Financing
To further expedite your importation of goods from a supplier you trust, with minimal intervention by banks, Metrobank can provide you various non-LC trade services.
Document Against Acceptance (DA) Document Against Payment (DP) Open Account (OA) Agreement Direct Remittance Advance Payment
We have established ourselves in recent years as a worthy financial-solutions provider to corporate customers. To service various hedging, investment, trading and other needs of your business, we can give you access to the following Treasury products subject to suitability:
INVESTMENTS
Treasury Products
Metrobank Investment Funds
Investment Funds
Bond Funds
Balanced Funds Equity Funds
Receiving Agency
Transfer Agency Safekeeping
Escrow
Property Escrow
Franchise Escrow
IPO Escrow
Treasury Products
Government Securities Corporate Notes or bonds
Foreign Exchange
Interest Rate Other Derivatives
Government Securities
Peso Treasury Bills (T-Bills) are short-term investments with tenors of 91, 182, and 364 days. Min. amount required: P 500, 000. 00 Peso Fixed-Rate Treasury Notes (FXTNs) are long-term investments with tenors from 2 to 25 years. Interest paid semi-annually based on a fixed coupon rate. Min.
amount required: P 500, 000. 00
Peso Retail Treasury Bonds (RTBs) are similar to FXTNs, but with retail investors as target holders, with tenors of 3 to 25 years. Interest paid quarterly, based on a fixed coupon rate. Min. amount required: P 500, 000. 00 Foreign Currency-Denominated Bonds (ROPs) are denominated in US Dollar or Euro, issued by the Republic of the Philippines with tenors up to 25 years. Interest paid semi-annually based on a fixed coupon rate. US $ 50,000 (Face value)
US Treasury Bills (US T-Bills) are US Dollar securities issued by the United States of America with tenors of 1 month to 1 year. US $ 100,000 US Treasury Bonds (US Treasuries) are US Dollar securities issued by the United States of America with tenors of 2 to 30 years. US $ 100,000
$ Indonesia min. amount US$ 50,000 (face value) term up to 30 years $ Korea min. amount US$ 50,000 (face value) term up to 13 years $ Brazil min. amount US$ 50,000 (face value) term up to 15 years
Foreign Exchange
If you are running a business with foreign currency transactions, we can provide you access to liquid currency pairs for trading and investment activities subject to existing foreign exchange regulations. In addition to Spot Foreign Exchange, we offer Forwards and Swaps subject to customer suitability.
Interest Rate
To further address your needs as an investor, Metrobank offers interest rate hedging solutions through the following:
Other Derivatives
To provide you a suite of investor solutions, we offer other derivative products as hedging tools and alternative investments.
Peso/dollar dominated money market fund suited for clients who have an investment horizon of at least one month/ six months maximum of 1 year
Peso/dollar-denominated intermediate-term bond fund suited for clients who have an investment horizon of at least one year maximum of three years can tolerate a moderate degree of risk.
Peso/dollar-denominated medium-term bond fund suited for clients who have an investment horizon of at least three years, maximum of five years can tolerate a moderate degree of risk.
peso-denominated intermediate term build-up fund suited for clients who would like to invest their money every month over a period of at least two years maximum of three years. can tolerate a moderate degree of risk focused on saving up for medium- to long-term future needs
peso-denominated balanced fund suited for clients who have an investment horizon of at least five year can tolerate a high degree of risk for superior total investment returns
peso-denominated equity fund suited for clients who have an investment horizon of at least five years
Remittance Services
Credit to Metrobank account and World Cash Card Credit to Accounts with Other Local Banks Door-to-Door Cash Delivery Cash Pick-up Services Remittance coursed through International Money Transfer Tie-Ups Shipping Payroll Services Bills Payment Internet Banking (Metrobankdirect) Mobile Banking
Passbook or ATM
Zero Zero interest earning of 0.375% per annum P10,000.00 No foreign inward remittance for 1 year
Remittance Network
Foreign Branches and Subsidiaries
(11) (4) (2) (2) (1) (2) (13) (7) (3) (1) (2)
ASIA o Chinao Hong Kongo Taiwano Singaporeo Japano KoreaEuropeo Uko Spaino Italy-
(22) (8) (8) (1) (1) (2) (2) (6) (1) (2) (3)
Remittance partners / tie-ups and agents are licensed private remittance companies that enter into a partnership with Metrobank for the bank to act as their delivery arm in the Philippines. There are 105 Remittance Partners and Tie-ups locally and internationally
Correspondent banks
A financial institution that provides services on behalf of another, equal or unequal, financial institution. A correspondent bank can conduct business transactions, accept deposits and gather documents on behalf of the other financial institution. Correspondent banks are more likely to be used to conduct business in foreign countries, and act as a domestic bank's agent abroad.
THANK YOU!
Created by: Dennise A. Layague