2. The different products in a bank
can be broadly classified into:
 Retail Banking
 Trade Finance
 Treasury Operations

4. Deposits
Loans, Cash Credit and
Overdraft
Negotiating for Loans
Remittances
Book-Keeping

5.  Issuing and confirming of letter of
credit.
 Drawing, accepting, discounting,
buying, selling, collecting of bills
of exchange, promissory notes,
drafts, bill of lading and other
securities.

6. Buying and selling of bullion.
Acquiring, holding,
underwriting and dealing in
shares & debentures

7. The banks can also act as an
agent of the Government or
local authority. They insure,
guarantee, underwrite,
participate in managing and
carrying out issue of shares,
debentures, etc.

9.  Credit Card: Credit Card is “post
paid” or “pay later” card that draws
from a credit line-money made
available by the card issuer (bank)
and gives one a grace period to pay.
If the amount is not paid full by the
end of the period, one is charged
interest

10.  Debit Cards: Debit Card is a
“prepaid” or “pay now” card with
some stored value. Debit Cards
quickly debit or subtract money
from one’s savings account, or if
one were taking out cash.

12.  Automatic Teller Machine: The
ATM’s are used by banks for making
the customers dealing easier It allows
the customers:
• To transfer money to and from
accounts.
• To view account information.
• To order cash.
• To receive cash.

13.  Electronic Funds Transfer
(EFT):. It automatically transfers
money from one account to
another.
 Telebanking: Telebanking refers
to banking on phone services.

14.  Mobile Banking: A new
revolution in the realm of e-
banking is the emergence of
mobile banking. On-line banking
is now moving to the mobile
world, giving everybody with a
mobile phone access to real-time
banking services, regardless of
their location.

15. Internet Banking: Internet
banking involves use of
internet for delivery of banking
products and services.

16.  Reduce the transaction costs of
offering several banking services
and diminishes the need for
longer numbers of expensive
brick and mortar branches and
staff.
 Increase convenience for
customers, since they can
conduct many banking
transaction 24 hours a day.

17. Increase customer loyalty.
Improve customer access.
Attract new customers.
Easy online application for all
accounts, including personal
loans and mortgages.

18. Banking covers many services, these basic
services have always been recognized as
the hallmark of the genuine banker. These
are…
 The receipt of the customer’s deposits
 The collection of cheques drawn on other
banks
 The payment of the customer’s cheques
drawn on himself

19.  Advances – Overdraft, Cash Credit
 Deposits – Saving Account, Current
Account
 Financial Services – Bill discounting
 Foreign Services – Providing foreign
currency, travellers cheques
 Money Transmission – Funds transfer
 Savings – Fixed deposits
 Services of place or time – ATM Services.
 Status – Debit Cards, Credit Cards

20. 1. Banco de Oro Universal Bank (BDO Unibank)
2. Metropolitan Bank and Trust Company
3. Bank of the Philippine Islands (BPI)
4. Land Bank of the Philippines
5. Philippine National Bank
6. Development Bank of the Philippines
7. China Banking Corporation (China Bank)
8. Rizal Commercial Banking Corporation
9. Robinsons Bank Corporation
10. Union Bank of the Philippines

21. 11. Security Bank Corporation
12. Citibank, N.A.
13. United Coconut Planters Bank
14. Hongkong and Shanghai Banking
Corporation
15. East West Bank
16. Philtrust Bank (Philippine Trust Company)
17. Bank of Commerce
18. Standard Chartered Bank
19. Asia United Bank
20. Deutsche Bank AG

22. 21. Maybank
22. Philippine Bank of Communications
23. Philippine Veterans Bank
24. Australia and New Zealand Banking Group
25. The Bank of Tokyo-Mitsubishi UFJ, Ltd.
26. JPMorgan Chase
27. ING Group
28. Mizuho Corporate Bank
29. CTBC Bank
30. Bank of America, N.A