6. • Metrobank was incorporated in Binondo,
Manila by a group of Filipino businessmen
principally to provide financial services to
the Filipino-Chinese community.
• It opened its first local branch in 1963, then
expanded beyond Philippine shores only a
few years after its establishment.
• Metrobank rolled out its first international
branch in Taipei in 1970 and a
representative office in Hong Kong in 1973.

7. • In 1975, Metrobank became the first of the
private banks to move into American territory
when it opened its office in Guam. It later
established branches in the United States
mainland cities of Los Angeles and New York.
• 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.

8. • In 1981, Metrobank was listed in the Philippine
Stock Exchange and acquired its universal
banking license, gaining significant equity
ownerships in local and international
subsidiaries.
• It established its own credit card company,
Unibancard Corporation (now Metrobank Card
Corporation) in 1986.
• In 1988, Metrobank entered into a joint venture
with Japan’s largest automotive manufacturer
and Mitsui Corporation to establish Toyota Motor
Philippines Corporation.

9. • A decade later, it partnered with another global
giant, the AXA Group, to give birth to Philippine
AXA Life Insurance Corporation.
• In 1990, Metrobank launched the country’s first
and only talking ATM, Metrobank E.T.
• 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 to 2006.

10. • Metrobank has also been steadily expanding
internationally.
• In the late 1990s, Metrobank opened branches
and offices in London, Taichung, Tokyo, and
Seoul.
• 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.
• In 2001, Metrobank became the first Philippine
bank in China when it opened its branch in
Shanghai.

11. • In 2010, Metrobank inaugurated its
wholly-owned subsidiary,
Metropolitan Bank (China) Limited,
the first foreign bank headquarters to
be established in Nanjing. The new
bank serves as the base for
Metrobank’s operations in China, with
three branches located in Nanjing and
Shanghai.

15. • Allied Bank was incorporated on April 1, 1977
and granted by the Central Bank of the
Philippines the Certificate of Authority to operate
as a commercial bank on May 20, 1977.
• It began its operations on June 2, 1977 with
around 26 branches.
• On August 19, 1977, it was authorized to
operate an expanded foreign currency deposit
unit (FCDU), and in December 1981, it officially
became an expanded commercial bank or
universal bank.

16. • Today, Allied Bank operates a total of 283
domestic branches/offices, including its
subsidiaries Allied Savings Bank (20
branches), Allied Leasing and Finance
Corporation, and the PNB Life Insurance,
Inc.-formerly New York Life Insurance
Philippines, Inc (NYLIP)-which was acquired
by the Bank in 2007.
• Aside from its local branch network, Allied
Bank also operates 2 offshore branches in
Bahrain and in Guam; a wholly-owned

17. subsidiary in the United Kingdom (Allied
Bank Philippines (UK) Plc) and a majority-
owned subsidiary in Hong Kong (Allied
Banking Corporation (Hong Kong), Ltd.); a
majority-owned commercial bank
subsidiary in Xiamen, China (Allied
Commercial Bank); and an affiliate
commercial bank based in California, U.S.A.
(Oceanic Bank), with offshore branches in
San Francisco (Union Square Branch) and in
Guam (Guam Branch).

18. • Representative offices were also
established in Germany, Singapore
and Australia, and
consultancies/remittance desks in
Saudi Arabia, Kuwait, Qatar and the
United Arab Emirates. As of June 30,
2009, Allied Bank was ranked 8th
largest private domestic bank in the
country in terms of total deposits,
total assets and net worth.

21. • We envision: A professionally run,
responsive, proactive, and creative
organization through which the Metrobank
Group of Companies is able to express its
commitment to lead the private sector in
fostering holistic human development in
both the national and international arena,
thereby effecting an empowered society
whose members are able to realize their
human potential.

22. • To realize its vision, the Foundation
shall: Propagate a culture of
excellence with a human face by
actively implementing, assisting,
and supporting programs which
strengthen and advance the
strategic sectors of society as well as
respond to the needs of the
disadvantaged.

23. •To continually create
value to be the
preferential-universal
Bank.

24. • To be among the pillars of the banking
industry, a strong and resilient
institution committed to lasting
partnerships with and superior
service to our clients; the well-being
of our employees; fair return on
equity for our shareholders; and
national growth and development as
financial catalyst.

27. • Dr. George S. K. Ty
• Dr. Placido L. Mapa, Jr.
• Mr. Arthur V. Ty
• Mr. Aniceto M.
Sobrepeña
• Mrs. Elvira Ong Chan
• Mrs. Marixi R. Prieto
• Mrs. Milagros Drilon
• Mr. Alfred V. Ty

28. Lucio Tan Bonifacio N. Yao
Domingo Chua
Chairman Manuel Gonzales
Willy Co Alfredo Jimenez
Lucio Tan, Jr.
Vice-Chairman Michael Tan
Mariano Wilfredo Teodoro
Tanenglian Rufina T. Yu
Directors
Treasurer

29. LOANS
• Housing Loans
• Car Loans
• Corporate Loans

30. • BUILD AND SAVE
HOUSING LOAN
• TOP SPEED
AUTOLOANS
• SALARY LOANS

31. FINANCIAL STATEMENT
STATEMENT OF INCOME
Years Ended December 31
2010 2009
INTEREST INCOME
Loans and Receivables 4,518,081,459 3,884,251,224
Trading and Investment Securities 1,070,060,651 1,029,902,918
Due from Other Banks and Interbank Loans
and Securities purchased under resale
agreements 297,460,829 285,297,682
5,885,602,939 5,199,451,824
INTEREST EXPENSE
Deposit Liabilities 1,328,326,559 1,443,096,651
Subordinated Debt, bills payable and other
borrowings 238,817,217 226,825,672

32. 1,567,143,776 1,669,922,323
NET INTEREST INCOME 4,318,449,163 3,529,529,501
Service Charges, fees and commissions 1,341,778,345 912,963,616
Trading and Securities gain 1,155,256,556 426,734,155
Foreign exchange Gain 293,709,143 235,186,952
Gain on asset foreclosure 50,958,827 91,981,538
Trust income 45,018,754 69,955,713
Dividend Income (-) 190,106
Gain on Sale of Assets 42,281,466 104,001,967
Miscellaneous 146,967,038 98,488,430
TOTAL OPERATING INCOME 7,394,419,292 5,469,031,978
OPERATING EXPENSE

33. Provision for impairment and credit losses 1,552,210,920 1,237,230,547
Compensation and fringe benefits 1,364,816,703 1,048,327,589
Taxes and Licenses 452,494,683 378,278,074
Rent 273,789,163 237,789,406
Depreciation and Amortization 250,852,503 278,692,701
Amortization of intangible assets 84,309,185 63,911,769
Miscellaneous 1,636,446,589 1,536,916,828
TOTAL OPERATING EXPENSE 5,614,919,746 4,781,146,914
INCOME BEFORE INCOME TAX 1,779,499,546 687,885,064
PROVISION FOR (BENEFIT FROM) INCOME TAX -31,160,722 48,056,589
NET INCOME 1,810,660,268 639,828,475

34. FINANCIAL STATEMENT
STATEMENT OF INCOME
Year ended Dec. 31
2010 2009
INTEREST INCOME ON
Loans and Receivables 5,505,399 5,544,852
Trading and Investment Securities 3,302,054 2,817,075
Deposits with banks and interbank loans receivables 1,094,907 1,337,400
9,632,360 9,699,327
INTEREST EXPENSE ON
Deposit Liabilities 2,466,055 2,821,659
Bills payable and other borrowings 375,019 389,377
2,841,074 3,211,036

35. 6,488,29
NET INTEREST INCOME 6,791,286 1
Commission and handling charges 796,561 345,742
Trading and investment securities gain 902,400 134,392
Gain on acquisition of investment properties 30,532 89,098
Foreign Exchange gains 30,914 768,931
1,553,00
Miscellaneous 1,848,269 3
10,399,96 9,379,45
TOTAL OPERATING INCOME 2 7
2,440,55
Compensation and fringe benefits 2,768,131 9
Provision for credit and impairment losses 1,252,727 884,693
Occupancy and other equipment-related cost 856,468 818,673
Taxes and licenses 798,053 840,277
Depreciation and Ammortization 460,049 459,531

36. 2,391,89 2,200,0
Miscellaneous 7 20
8,527,32 7,643,7
TOTAL OPERATING EXPENSES 5 53
INCOME BEFORE INCOME TAX FROM CONTINUING 1,872,63 1,735,7
OPERATIONS 7 04
561,50
PROVISION FOR INCOME TAX 609,325 0
1,263,31 1,174,2
NET INCOME FROM CONTINUING OPERATIONS 2 04
NET INCOME FROM DISPOSAL GROUP 35,090 21,613
1,298,40 1,195,8
NET INCOME 2 17

37. • Metrohome Financing -- the easy and affordable
way to own a home.
Whether it's for:
• Purchase of a house and lot
• Purchase of a lot and house construction thereon
• Purchase of a townhouse
• Purchase of a condominium
• Purchase of a lot
• House renovation
• Home loan refinancing

38. • MetroHome Financing is the package for you. Avail of:
• Low interest rates that may be fixed for the 1st year, 1st
two years, three years, or even five years
• Flexible terms of up to 20 years
– 20 years maximum for purchase of house and lot or
townhouse
– 15 years maximum for purchase of condominium,
refinancing, reimbursement and home renovation
– 10 years maximum for lot purchase
• High loan amounts - borrow up to 70% of the property's
appraised value
• Worry-free loan repayment through the issuance of
post-dated checks or automatic debit arrangement

39. Interest Fixing Interest Rate
1-year fixed 5.50%
2-year fixed 7.25%
3-year fixed 7.50%
4-year fixed 8%
5-year fixed 8.50%
6-10 year fixed 9.75%

40. • MetroCar loans let you avail the car you’ve been
dreaming of with just a favorable amount of rates
LOAN TERM ADD-ON LOAN TERM ADD-ON
RATE RATE
12 months 4.77% 36 months 15.21%
18 months 7.20% 48 months 20.65%
24 months 9.91% 60 months 27.28%

41. • Metrobank help grow business by providing the
funding you need to reach your goals.
• Loans for Capital Expenditures
For company's capital expenditures and expansion, choose among 7
products and services that fit your business' cash flow and peculiarities.
• Corporate Finance and Consultancy
they offer various ways for company to meet its funding requirements of
at least P300 million, allowing to pursue projects according to cash flow
pattern.
• SME & Other Government Supported Loans
they provide low-cost funding to small-, medium-, and large-scale
enterprises to finance certain projects that fall within the Government’s
priority list. These funds may be availed for short- to long-term periods.
Most may be used as working capital, funding to acquire fixed assets, or
both.

42. Strengths Opportunities
• Strategic Agreements
• Higher returns
• Increasing demand for
• Capital Adequacy loans
Ratio • Increasing value of peso
• Declining NPLs
Threats
• Uncertain market and
Weaknesses economic conditions
• Increased debt • Stiff competition
burden • Acquisition/merging/expa
nsion of universal banks

43. External Opportunities External Threats
1. Strategic agreements 1. Acquisition/ Merging/
2. Increasing value of peso Expansion of universal
3. In demand loans from banks
consumers 2. Uncertain market and
economic conditions
Internal Strengths SO ST
1. Higher returns 1. Attract more investors 1. Acquire commercial
2. Capital Adequacy Ratio 2. Generate more interest banks
is above the banking income 2. Buy more securities and
industry percentage equity
3. Declining NPLs
Internal Weaknesses WO WT
1. Increased debt burden 1. Guerilla Marketing 1. Corporate and risk
2. Inadequate number of 2. Increase number of Governance
branches branches

44. • The only Housing Loan Program
that lets you earn rebates on your
loan by maintaining deposit with
us. So, make full use of your
deposits and live your dream house
with Allied Bank Build & Save
Housing Loan.

45. Fixing Period Rate
1 year 8.50%
2 years 9.00%
3 years 9.50%
4 years 9.75%
5 years 9.75%
10 years 11.50%
15 years 11.50%

46. • Choose among your home financing
needs:
• Purchase of House & Lot / Condominium
• House Construction
• Purchase of Lot
• Refinancing
• House Renovation / Expansion
• Reimbursement

47. • Pay your monthly
amortization through
• Post-dated Checks or
• Automatic Debit
Arrangement of your Allied
Bank account

48. FEATURES:
• Covers BRAND NEW vehicle types (cars,
vans, SUVs & AUVs)
• Loanable amount of up to 80% of the unit
price
• Easy monthly payments through Post-dated
Checks or Automatic Debit arrangement of
your Allied Bank Account.

49. As of March 2011
Rate (One Month
TERM Rate (In-Arrears)
Advance)
12 months 5.05% 4.25%
18 months 7.52% 6.70%
24 months 10.18% 9.32%
36 months 15.62% 14.70%
48 months 22.38% 21.35%
60 months 29.50% 28.36%

50.  Designed to augment financial need of
employes of accredited companies.
Employees in need can now manage their
budget and enjoy life through hassle free loan
application and loan payment.
 All regular employees of accredited
companies can avail of up to three times (3x)
of their Gross Monthly Salary.
 Monthly salary deductions will be arranged
with your employer so you don’t have to
worry of remitting your payment.

51. STRENGTHS: OPPORTUNITIES:
• Strongest Online System  Make personal loans
• Largest ATM Network  Car leasing
• Shifted from nationalize to  Reduced transaction
contemporary area of banking charges
• Strong corporate culture  Use of media for
• promotion
WEAKNESSES: THREATS:
• Branches are not renovated in  Strong competition
some areas among other banks
• No use of electronic media for  Financial recession
promotion of services
• No proper HR Management  Attitude of customers
• No proper segmentation  Falling KIBER rate

52. Use your Metrobank Credit Card to dine
and shop and indulge in over 42 million
Visa and MasterCard establishments,
worldwide.

53. 
Discover the meaning of True Power with the Metrobank
Platinum MasterCard.
Features:
Credit Limit
The Metrobank Platinum MasterCard comes with a higher credit
limit.
Free Supplementary Card for Life
lifetime annual fee waiver for 1st supplementary cardholder.

54. • The Metrobank Dollar MasterCard is the only card you will ever
need for your US Dollar transactions.
Features:
• Get billed in US Dollars
• The US Dollar MasterCard allows you to get charged in US dollars
so that you don't need to worry about foreign exchange rate
fluctuations.
• Free Travel Insurance
• Receive FREE accidental death/disablement travel insurance when
you purchase your airline ticket using your Metrobank Dollar
MasterCard.

55. • The Metrobank M Lite MasterCard is the best
credit card for the savvy spender aiming for
better finance management.
Features:
• Lower finance charge
• Enjoy the lowest finance charge in the market at
2.49% with the M Lite MasterCard

56. • Metrobank’s M Free MasterCard is the no
annual fee, no frills credit card!
Features:
• Perpetually waived annual fee
• Get the benefits of using a credit card without
the need to pay the annual fee for life.

57. • When family becomes the priority, the PSBank MasterCard
provides the widest range of benefits that keep your loved
ones in mind.
Features:
• Family Rewards
• Earn 1 point for every Php20.00 that you spend using your
PSBank MasterCard. Use your points and redeem premium
items or air miles from Philippine Airlines, Cathay Pacific
Airlines or Singapore Airlines. Learn more about our rewards
program, PSBank Rewards Catalogue.

58. • Enhance your drive with the country’s first complete motorist
card.
Exclusive Features:
• 10% discount at all Toyota dealers
Applies to genuine accessories, parts and labor.
• Rewards Points for all your spending
1 Point for every Php 20 spend everywhere Double Points at your
preferred Toyota dealer.
• 3% fuel rebate at Petron
Over 400 participating stations nationwide.
• 24/7 roadside assistance

59. Features:
• Fly/Buy points for all your spending
• For Classic MasterCard: Earn one (1) Fly/Buy Point for every P200 spend
anywhere. Earn double Fly/Buy Points for every P200 spend when you
shop at any Robinsons stores or purchase Cebu Pacific tickets at
www.cebupacificair.com or any Cebu Pacific ticketing office.
• For Gold MasterCard: Earn one (1) Fly/Buy Point for every P200 spend
anywhere. Earn double Fly/Buy Points for every P200 spend when you
purchase Cebu Pacific tickets at www.cebupacificair.com or any Cebu
Pacific ticketing office and when you use your card abroad. Earn triple
Fly/Buy Points for every P200 spend when you shop at any Robinsons
stores.

60.  Metrobank Femme Visa - the credit card for the
modern and independent career woman.
Features:
 Exclusive Metrobank Femme Visa Features
 Enroll in the femme Road side Asistance and Personal
Accident Insurance Program and get Insurance
Coverage of up to php. 200,000 maximum benefit for
just php.500 per year.

61. •Allied Bank Essentials MasterCard offers the ultimate
payment convenience in shopping, traveling or dining out
- and these are just a few of the simple passions that are
made more enjoyable with Allied Bank Essentials
MasterCard.

62. ,
pleasures come without boundaries. Keep up to
date on the latest fashion, dine in the finest
restaurants and conquer new horizons with a
diversity of perks and discounts only with Allied
Bank Premium MasterCard.

63. OUR BANKING SYSTEM TODAY:
The Banking Business as we know it today is
composed of three separate and distinct
principal functions.
1. The acquiring of funds to invest and loan.
2. The investing of such funds in loans and
bonds.
3. The servicing of such funds, such as providing
checks, drafts and etc.

64. The Metrobank and Allied Bank are both
universal and commercial bank
Commercial bank defined as ”moneyed”
corporation
.to receive deposits
.pay such funds
.to lend money
.to make collectives

65. •engaged in commercial
banking and related services
•lending products include
seasonal finance,
agricultural finance, trade
finance, running finance and
demand finance.

66. • offers leasing for machinery,
commercial vehicles, vehicles
and equipments.
• has the largest ATM network
in the country and it is among
the top rated bank in our
country.

67. •In terms of other
services and
foundations.

71. Offers different
promos and
foundations.

75. • BOOKS ACROSS THE SEAS
(BATS)
• FOUNDATION FOR
UPGRADING THE STANDARD
OF EDUCATION (FUSE)

76. • MAGDALAGA, MARIE LOUISE
• MAGNAYON, GERIMAICA
• LITADA, MHAY
• ALEJO, ANGELICA
• GUARDIAN, PRINCESS
• SANTOS, KAYECIE
• GANTONG, DAPHNE