Corporate Profile: Metropolitan Bank and Trust Company

Corporate Profile
Metropolitan Bank and Trust Company Headquarters: Metrobank Plaza, Sen. Gil J. Puyat Avenue, Makati City. (632) 8700 - 700 Founded in September 5, 1962, Metropolitan Bank & Trust Co. (Metrobank) 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; over 760 domestic branches; and 38 foreign branches, subsidiaries, and representative offices. Milestones 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. 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. 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 Japans largest automotive manufacturer and Mitsui Corporation to establish Toyota Motor Philippines Corporation. 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 countrys 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. 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. 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 Metrobanks operations in China, with three branches located in Nanjing and Shanghai. Youre in Good Hands Metrobank remains dedicated to fulfilling its vision to be the best bank for all stakeholders from its customers to the community. With people dedicated to product quality, service excellence, solid work ethics, and good governance, Metrobank has established a reputation of stability, strength, and leadership. It adheres to international best practices, careful strategic planning and prudent decisionmaking, focused on further improving earnings quality and increasing shareholder value by constantly reinforcing a customer-centric strategy built around the commitment of its people. A recognized leader in the countrys banking industry, Metrobank has become regarded as the trusted banking partner, staying true to its brand promise of Youre in Good Hands.
Our People
BOARD OF DIRECTORS (as of April 15, 2013)
Dr. George S.K. Ty Group Chairman Arthur V. Ty Chairman Francisco C. Sebastian Vice Chairman Fabian S. Dee President / Director
Renato C. Valencia Independent Director
Jesli A. Lapus Independent Director
Robin A. King Independent Director
Vicente B. Valdepeas, Jr.
Independent Director
Rex C. Drilon II Independent Director
Remedios L. Macalincag Independent Director
Francisco F. Del Rosario, Jr. Independent Director
Amelia B. Cabal Director
Edmund A. Go Director
Antonio V. Viray Director
BOARD OF ADVISERS (as of April 15, 2013) David O. Chua Tan Tian Siong Cornelio C. Gison Roberto Juanchito T. Dispo
SENIOR ADVISERS (as of April 15, 2013) Hon. Fidel V. Ramos Hon. Artemio V. Panganiban Washington Sycip Amb. Domingo L. Siazon Dr. David K.P. Li
Dr. Placido L. Mapa, Jr. Dr. Antonio S. Abacan, Jr. Gabriel C. Chua James Go
PRINCIPAL OFFICERS (as of March 2013) SENIOR EXECUTIVE VICE PRESIDENT Cuna, Vicente, Jr. R. Naing, Joshua E. Tansingco, Fernand Antonio A. EXECUTIVE VICE PRESIDENT Antonio, Maritess B. Fargas, Helen U. Labog, Jr., Eligio C. Lapuz, Bernardito M. Sobrepea, Aniceto M. Suico, Dennis G. Tiu, Vivian L. SENIOR VICE PRESIDENT Arboleda, Nonato P. Bartolome, Marilou C. Blanco, Luz I. Chan, Jr., Jose M. Chio, Fermin T. Chow, Edwin S. Guanio, Domingo V. Liao, Reynaldo H. Lugtu, Cesar L. Nepomuceno, Corazon Ma. Therese B. Ocampo Jr., Antonio R. Oliveros, Rowena D. Qua, Dennis C. Reyes, Angelica S. See, Stephen S. So, Richard Benedict S. Sy, Mary W. Tocmo, Bernardo H. Tuplano, Josefina T. Ureta, Arlene L. Vergara, Jose Raymund O. Villanueva, Adrian Francisco A. Yang, Christine W. Yao, Amelin S.
FIRST VICE PRESIDENT Abellar, Ma. Lourdes P. Amparado, Amelia S.
Arnaldo, Alex F. Capulong, Jovencio R. Carandang, Francisco R. Centena, Mia S. Chang, Valentino C. Cruz, Godofredo V. Dayrit, Nurjehan Maria D. De Santos, Justina Ma. Teresa M. De Vera, Rosanna F. Dela Pea, Pocholo V. Dionisio, Rommel Enrico C. Dy, Mary Beck C. Dy, Teresita L. Esguerra, Edgar D. Espina, Luis S. Fajardo, Ma. Theresa A. Fernandez, Josephine F. Gamboa, Fatima P. Gamboa, Marie Edgette Simonette C. Go, Domingo C. Go, Emmeline D. Guerrero, Edgar Alan P. Guiao, Melizza Doris L. Jandayan, Vicente F. Lim, Alex C. Lim, Irene L. Marfa, Jr. Maximiano D. Mariano, Federico T. Medrano, Jr., Quintin T. Niere, Susan L. Osorio, Manolito M. Oxales, Maria Lourdes Veronica C. Pagaspas, Angel O. Perez, Mark Anthony B. Reyes, Rose Mary T. Rivera, Elmer R. Rivera, Maritess D. Salgado, Mark Anthony H. Santillan, Leandro G. Tan, Irene Y. Tan, Lita S. Tiu, Lucia C. Ubaldo, Leopoldo M. Villegas, Joan Marie A. Yao, Marilyn M. Yap, Josephine Kee Hong S. Yu, Allan S. Yuseco, Noel Peter Z.
Products & Services

Personal Banking
Deposit Accounts
Get on the right track in managing your money with our array of deposit products that suit your financial needs -- whether it's for daily expenses or saving up for a major purchase. We can help you get a grip on your savings and spending.
Savings Accounts Nothing is as secure as money in the bank whether youre building a nest egg for your familys future or just putting money away for a rainy day. Metrobank gives you options to keep your money safe and earns interest depending on your needs and goals. You may choose from the following: Passbook Savings Accounts Metrobank ET Savings Account Metrodollar Savings Account Other Foreign Currency Savings Account Fun Savers Club (FSC) FSC Merchant Partners
Checking Accounts Metrobank offers a variety of checking accounts that allows you to deposit or withdraw funds and transact large amounts of money in a safe and convenient manner. On top of documenting your transactions using checks, a Metrobank checking account can come with an ATM card for even greater access to your funds. Our available checking accounts are as follows: Regular Checking Account AccountOne MetroChecking Extra
Time Deposit Want to build-up your savings? Lock-in your money for a fixed term and earn higher interest via peso and foreign currency time deposits of Metrobank. Time deposits are safe, low risk, and carry higher interest rates versus regular savings accounts. Our available time deposit accounts are as follows: Regular Time Deposit MetroDollar Time Deposit Foreign Currency Time Deposit
Consumer Loans
Whether it's buying a new car or moving into a hip condo or building your dream house, Metrobank enables you to achieve these via our array of consumer loans. Home Loan Planning to renovate your house, buy a condo or a house and lot? Applying for a Home Loan Car Loan When it comes to car loan, you shouldnt have to worry about hidden charges or overstated rates.
eChannels
Transact from the comfort of your home or even while on vacation via our electronic channels. All is a computer with an Internet connection, a cellphone, or a landline and you're all set! The New Metrobankdirect Personal Need to transfer funds or pay bills? Mobile Banking Are you always on the road and have no time to run errands like buying prepaid load for your kids or paying bills? Phone Banking Need to find out how much money you have left in your account fast?
Debit/Prepaid Cards
Metrobank Debit Card Enjoy cashless transactions, faster, easier, anytime, anywhere! Metrobank Prepaid Card Stay on top of the family budget with Metrobank Prepaid Card.
Metrobank Prepaid/Debit Card at The Mind Museum Metrobank Prepaid/Debit Card at LivingSocial
Foreign Exchange Rate Credit Card (Metrobank Card Corporation) Personal Insurance (AXA)
You never know what the future holds but you can prepare for it. As your needs evolve, you need to take charge of safeguarding your financial future. Metrobank introduces you to the partner who can offer you the best terms for all your life insurance needs AXA Philippines. The countrys leading variable life insurance provider, AXA Philippines was born out of the formidable synergy between AXA, one of the largest life insurance companies in the world, and one of the countrys leading financial institutions, Metrobank. AXA Philippines is the perfect financial partner for you, giving you customized financial solutions. Using the proprietary FNA tool, expert Financial Advisors in AXA branch offices, or Financial Executives in Metrobank branches skilfully craft solutions tailored to suit your income protection, retirement, education, health, and investment insurance needs. Life Insurance Products Looking for flexibility to help you build your long-term investments? Our investment-linked products give you control and freedom to take charge of your long-term investments, under the guidance of experts. Traditional Life Insurance Products Choose from our list of traditional life insurance products that are structured to give you a sense of security and peace of mind. Supplements for Basic Life Plans With our wide range of supplements and riders, you receive additional benefits for you and your loved ones, at a very minimal cost. Wealth Management Solutions We have the instrument and the expertise to help you vary and expand your net worth, so that you can continue to pursue your passions. The Icon Funds Grow your investments with the help of innovative Icon Funds.
Business Banking
Cash Management
Run your business effectively with a range of tailored solutions from Metrocash Manager, Metrobanks suite of electronic and non-electronic cash management solutions. Metrocash Manager is your leader in smart cash management because it helps you monitor, control, and optimize the cash flow of your business. Whether a start-up, sole proprietor or an established multinational business, it is important to find the best cash management solutions suited to your company. If you want to know more about Metrocash Manager, you may call our Customer Care Department at 898-8000, dial 1, then 2. You may email cbg.customercare@metrobank.com.ph. Scroll down to read about our cash management solutions. Basic Banking Want to check on the day's transactions or pay bills? Cash Flow/Liquidity Solutions Need a more efficient way to track your funds? Collection Solutions Looking for a better way to collect your receivables? Disbursement Solutions Searching for a better way control your payables? Payroll Solutions We offer integrated payroll services to reduce your costs, minimize paperwork, and improve security. eGovernment Solutions Pay your taxes and social security payments online.
Corporate Deposit Accounts

Whether you use it to receive payments or safekeep your funds, our corporate deposit accounts give your company the flexibility and scalability to manage your demand account. Entrepreneurs with small-scale businesses or CEOs of large-scale corporations will benefit from our diverse products.
Savings Accounts Metrobank offers the basic tools for collecting your funds in one secure location. While your funds remain in our care, your account earns interest, so that the money is not unproductive. Available corporate savings accounts are as follow: Passbook Savings Account, MetroDollar Savings Account, Other Foreign Currency Savings Account.
Checking Accounts We offer you a convenient, safe, and worry-free way of settling your bills or loan installment payments. Available corporate checking accounts are as follows: Regular Checking Account, AccountOne Commercial, MetroChecking Extra, US Dollar Checking Account with Metrobank New York (MBNY).
Time Deposit We offer you higher yields on your peso and foreign currency deposits. Available time deposit accounts are as follows: Regular Time Deposit, MetroDollar Time Deposit, Foreign Currency Time Deposit.
Corporate Loans
Loans for Capital Expenditures Looking for funds for your company's capital expenditures and expansion? Corporate Finance and Consultancy Meet your company's multi-million pesos funding requirements.
Trade Products & Services

Financing for Imports and Domestic Purchases Need to facilitate payment of goods to your suppliers? Financing for Exports Do you want reliable export trade services?
Treasury Products for Businesses

Foreign Exchange, Fixed Income, and Derivatives Treasury products for business needs.
Investments
Trust Products and Services

At Metrobank, we partner with you, lending you our expertise and experience to help you make the right investment decisions. A specialized investment team takes your investment objectives, time horizon, and risk tolerance into consideration to engineer a portfolio that works for you and your financial goals. Services include managing Retirement Funds, Pre-Need Funds, Foundation Funds, School Funds and trust services for individuals who seek wealth protection, financial growth, and convenience. Scroll down to read about our trust products and services. Investment Funds
You are at a point in your life when you want to begin investing in your future, but are unsure about your choices and the investment market? You need to start sure and simple with Metro Investment Funds. Wealth Management Services Youve made it to the big leagues. Youre at the peak of your career as an entrepreneur, corporate executive or a successful practitioner in a field of expertise. Your flourishing career has rewarded you with considerable fortune. Preserving it for the next generation can be challenging unless you partner with an institution that has a proven track record in fund management. Such is the strength of Metrobank Trust Banking. Corporate Trust Services Allow Metrobanks seasoned investment team to help you in the management and administration of your corporate funds. Corporate Agency Services Raising additional capital to finance expansion projects is essential to a growing corporation. If you desire to go public (equity financing) or issue a long-term debt instrument (debt financing) or simply desire to improve the management of your outstanding stocks, you will require the services of a technicallycompetent agent to ensure that you efficiently comply with government regulations. Escrow In this age of trade and commerce, the execution of contracts forms part of everyday living. Parties to a contract require the fulfillment of mutually acceptable terms of the agreement before the actual exchange can take place. If you seek an impartial third party to protect the interests of all participants to the contract, then an escrow arrangement is what you need.
Treasury Products
If you are an investor or if you have special business requirements, Metrobank offers a wide array of Treasury products. Aside from being a leader and prime mover in local government securities dealership, we have expertise in other credit, foreign exchange and interest rate products. To the extent possible, we are committed to quote both buying and selling rates on the investment products that we offer. Government Securities Government securities are debt instruments issued by a sovereign government such as the Republic of the Philippines, the United States of America, the Republic of Indonesia and the like. They are considered risk-free investments in their home countries, and are the typical benchmarks of corporate debt securities. Corporate Notes or Bonds Corporate notes or bonds are fixed income securities issued by corporations exhibiting sound financial performance and enjoying good credit ratings from reputable/accredited agencies. Foreign Exchange You can have access to competitive pricing for foreign exchange. Interest Rate We can offer you interest rate hedging solutions. Other Derivatives You can now avail of our capability to provide Bond Forwards and Credit Default Swaps.
Metrobank Investment Funds
Formerly Metrofund Starter The Fund is a peso-denominated money market fund suited for clients who have an investment horizon of at least one month, a moderate risk profile, are focused on preserving their principal at all times, and looking for a non-volatile investment fund. The Fund aims to achieve for its participants income and liquidity by investing in a portfolio of short-term peso-denominated deposits, BSP-SDA, repurchase agreements secured by government securities, and money market instruments with a maximum weighted average duration of one year. Fund Classification Min. Initial Participation Min. Additional Participation Maintaining Balance Min. Investment Horizon Holding Period Early Redemption Charge Trust Fee* Custodian Fee* Applicable Tax* Dealing Day Redemption Settlement Date Benchmark Fund Manager Custodian Valuation - Money Market Fund - Php 50,000 - Php 25,000 - Php 50,000 - 30 Days - 7 days - 50% of income on redeemed amount - 0.50% p.a. based on NAV of the Fund - 0.015% p.a. - 20% Final Withholding Tax - Daily up to 12:00NN - Next banking day from date of redemption - Philippine 30-Day Special Savings Rate Gen. Ave (net) - Metrobank - Trust Banking Group - Standard Chartered Bank - Marked-to-Market
*Imputed in Net Asset Value per Unit
Formerly Metrofund Elite The Fund is a peso-denominated intermediate-term bond fund suited for clients who have an investment horizon of at least one year and can tolerate a moderate degree of risk. The Fund aims to achieve for its participants income and potential returns that are higher than regular traditional deposit products by investing in a diversified portfolio of pesodenominated fixed income securities and instruments with a maximum weighted average duration of three years. Fund Classification Min. Initial Participation Min. Additional Participation Maintaining Balance Min. Investment Horizon Holding Period Early Redemption Charge Trust Fee* Custodian Fee Applicable Tax* Dealing Day Redemption Settlement Date Benchmark Fund Manager Custodian Valuation - Intermediate-Term Bond Fund - Php 50,000 - Php 25,000 - Php 50,000 - 1 Year - 30 days - 50% of income on redeemed amount - 1.0% p.a. based on NAV of the Fund - 0.015% p.a. - 20% Final Withholding Tax - Daily up to 12:00NN - Next banking day from date of redemption - 80% HSBC Local Currency Bond Index (HSLI) 1 3 years (net) & 20% Philippine 30-Day Special Savings Rate Gen. Ave (net) - Metrobank - Trust Banking Group - Standard Chartered Bank - Marked-to-Market
Formerly Metrofund Peak Earner
The Fund is a peso-denominated medium-term bond fund suited for clients who have an investment horizon of at least three years and can tolerate a moderate degree of risk. The Fund aims to achieve for its participants high income and potential returns that are higher than regular traditional deposit products by investing in a diversified portfolio of pesodenominated fixed income securities and instruments with a maximum weighted average duration of five years. Fund Classification Min. Initial Participation Min. Additional Participation Maintaining Balance Min. Investment Horizon Holding Period Early Redemption Charge Trust Fee* Custodian Fee Applicable Tax* Dealing Day Redemption Settlement Date - Medium-Term Bond Fund - Php 50,000 - Php 25,000 - Php 50,000 - 3 Years - 30 days - 50% of income on redeemed amount - 1.5% p.a. based on NAV of the Fund - 0.015% p.a. - 20% Final Withholding Tax - Daily up to 12:00NN - Next banking day from date of redemption - 80% HSBC Local Currency Bond Index (HSLI) 1 5 years (net) & 20% Philippine 30-Day Special Savings Rate Gen. Ave (net) - Metrobank - Trust Banking Group - Standard Chartered Bank - Marked-to-Market
Benchmark
Fund Manager Custodian Valuation
Formerly Metro Invest Plus The Fund is 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, can tolerate a moderate degree of risk, and are focused on saving up for medium- to long-term future needs. The Fund aims to achieve its participants income and potential returns that are higher than regular traditional deposit products from a diversified portfolio of peso-denominated fixedincome securities and instruments with a maximum weighted average duration of three years. Fund Classification Min. Initial Participation Min. Additional Participation Maintaining Balance Min. Investment Horizon Holding Period Early Redemption Charge Trust Fee* Custodian Fee Applicable Tax* Dealing Day Insurance Benefits - Intermediate-Term Bond - Php 5,000 - Php 1,500 monthly - Php 5,000 - 2 Years - 90 days - 50% of income on redeemed amount - 2.50% p.a. based on NAV of the Fund - 0.015% p.a. - 20% Final Withholding Tax - Daily up to 12:00NN - Life, Accidental Death and Dismemberment, and Total & Permanent Disability Income - Equivalent to Initial Participation + (Fixed Monthly Contribution x 12) Redemption Settlement Date - Next banking day from date of redemption - 80% HSBC Local Currency Bond Index (HSLI) 1 3 years (net) & 20% Philippine 30-Day Special Savings Rate Gen. Ave (net) - Metrobank - Trust Banking Group - Standard Chartered Bank - Marked-to-Market
Benchmark
Formerly Metro Capital Growth Fund The Fund is a peso-denominated balanced fund suited for clients who have an investment horizon of at least five years and can tolerate a high degree of risk for superior total investment returns. The Fund aims to achieve for its participants growth and high income from a portfolio of diversified blue-chip and fundamentally sound equities listed at the Philippine Stock Exchange (PSE) and peso-denominated fixed income instruments and securities. Fund Classification Min. Initial Participation Min. Additional Participation Maintaining Balance Min. Investment Horizon Holding Period Early Redemption Charge Trust Fee* Custodian Fee Applicable Tax* Dealing Day Redemption Settlement Date - Balanced Fund - Php 25,000 - Php 25,000 - Php 25,000 - 5 Years - 90 days - 50% of income on redeemed amount - 2.0% p.a. based on NAV of the Fund - 0.015% p.a. - 20% Final Tax on FI Investments - Daily up to 12:00NN - Next banking day from date of redemption - 50% Philippine Stock Exchange index (PSEi), 40% HSBC Local Currency Bond Index (HSLI) 1 5 years (net), and 10% Philippine 30-day Special Savings Rate Gen. Average (net) - Metrobank - Trust Banking Group - Standard Chartered Bank - Marked-to-Market
Benchmark
Formerly Metro Equity Fund The Fund is a peso-denominated equity fund suited for clients who have an investment horizon of at least five years and can tolerate a high degree of risk for superior capital growth. The Fund aims to achieve for its participants maximum growth from a portfolio of diversified, blue-chip and fundamentally sound equities listed at the Philippine Stock Exchange (PSE). Fund Classification Min. Initial Participation Min. Additional Participation Maintaining Balance Min. Investment Horizon Holding Period Early Redemption Charge Trust Fee* Custodian Fee Applicable Tax* Dealing Day Redemption Settlement Date Benchmark Fund Manager Custodian Valuation - Equity Fund - Php 25,000 - Php 25,000 - Php 25,000 - 5 Years - 90 days - 50% of income on redeemed amount - 2.0% p.a. based on NAV of the Fund - 0.015% p.a. - 20% Final Tax on FI Investments - Daily up to 12:00NN - 3 Banking Days after Date of Redemption - 90% Philippine Stock Exchange index (PSEi) and 10% Philippine 30-day Special Savings Rate Gen. Average (net) - Metrobank - Trust Banking Group - Standard Chartered Bank - Marked-to-Market
Formerly MetroDollar Money Market Fund The fund is a dollar-denominated money market fund suited for clients who have an investment horizon of at least six months, can tolerate a moderate degree of risk, and are focused on preserving the value of their investment. The Fund aims to achieve for its participants income and liquidity by investing in a portfolio of short-term dollar-denominated fixed income securities and money market instruments with a maximum weighted average duration of one year. Fund Classification Min. Initial Participation Min. Additional Participation Maintaining Balance Min. Investment Horizon Holding Period Early Redemption Charge Trust Fee* Custodian Fee Applicable Tax* Dealing Day Redemption Settlement Date Benchmark Fund Manager Custodian Valuation - Money Market Fund - US$2,000 - US$1,000 - US$2,000 - 6 Months - 45 days - 50% of income on redeemed amount - 1.0% p.a. based on NAV of the Fund - 0.0175% % p.a. - 7.5% Final Tax - Daily up to 12:00NN - next banking day from date of redemption - 3-month US Treasury Bill Yield (net) - Metrobank - Trust Banking Group - HSBC - Marked-to-Market
Formerly MetroDollar Philippine Liquid Fund The Fund is a dollar-denominated intermediate-term bond fund suited for clients who have an investment horizon of at least one year and can tolerate a moderate degree of risk.
The Fund aims to achieve for its participants income and potential returns that are higher than regular traditional deposit products by investing in a diversified portfolio of dollardenominated fixed income securities and instruments with a maximum weighted average duration of three years. Fund Classification Min. Initial Participation Min. Additional Participation Maintaining Balance Min. Investment Horizon Holding Period Early Redemption Charge Trust Fee* Custodian Fee Applicable Tax* Dealing Day Redemption Settlement Date Benchmark Fund Manager Custodian Valuation - Intermediate-Term Bond Fund - US$2,000.00 - US$1,000.00 - US$2,000.00 - 1 Year - 90 days - 50% of income on redeemed amount - 1.5% p.a. based on NAV of the Fund - 0.0175%p.a. - 7.5% Final Withholding Tax - Daily up to 12:00NN - Next banking day from date of redemption - 6-month US Treasury Bill Yield (net) - Metrobank - Trust Banking Group - HSBC - Marked-to-Market
Formerly MetroDollar Philippine Bond Fund The Fund is a dollar-denominated medium-term bond fund suited for clients who have an investment horizon of at least three years and can tolerate a moderate degree of risk. The Fund aims to achieve for its participants high income and potential returns that are higher than regular traditional deposit products by investing in a diversified portfolio of dollar-denominated fixed income securities and instruments with a maximum weighted
average duration of five years.
Fund Classification Min. Initial Participation Min. Additional Participation Maintaining Balance Min. Investment Horizon Holding Period Early Redemption Charge Trust Fee* Custodian Fee Applicable Tax* Dealing Day Redemption Settlement Date Benchmark Fund Manager Custodian Valuation
- Medium-Term Bond Fund - US$2,000.00 - US$1,000.00 - US$2,000.00 - 3 Years - 90 days - 50% of income on redeemed amount - 1.5% p.a. based on NAV of the Fund - 0.0175%p.a. - 7.5% Final Withholding Tax - Daily up to 12:00NN - Next banking day from date of redemption - 12-Month US Treasury Bill Yield (net) - Metrobank - Trust Banking Group - HSBC - Marked-to-Market
Capital Markets (First Metro Investment Corporation)

Overseas Filipino Services
Products & Services

We know the value of your hard work and the sacrifice to be far from home. This is the reason why we put a premium on making sure that your remittances reach your loved ones in the safest and fastest way possible. We help you take care of your family through one of the widest remittance networks to and from
the Philippines, and a wide array of remittance-based services. We can also help you take care of your family's future by helping you save money and manage your finances. Remittance Services Looking for the best way to send money home? OFW Peso Savings Account Want a zero-balance bank account? OFW Dollar Savings Account Interested in saving dollars? World Cash Card Do you have multiple beneficiaries who need anytime, easy access to your remittance?
Remittance Network
You can take advantage of our vast network of international offices, remittance partners, and correspondent banks when you send your remittance to your family in the Philippines. Foreign Branches and Subsidiaries View the updated list of foreign branches and subsidiaries. Remittance Partners and Tie-ups View the updated list of our remittance partners. Correspondent Banks View the updated list of correspondent banks. Remittance Charges and Fees View the updated remittance charges and fees.
Mission & Vision Statement

Vision: To be the best bank for all our stakeholders. Mission Statement: We aim to be a premier universal bank of international standing, committed to creating and providing the best possible value for our core constituents clients, employees, shareholders, and the communities whom we serve. We shall exert all efforts to transform every opportunity to expand our sphere of business activities into instruments to help our constituents realize their own goals and aspirations. We shall strive to reach a highly diversified customer base through an extensive distribution network at the same time delivering a wide array of premium-value products and services with distinctive quality. We realize that our success depends on the quality of our people, the efficiency of our systems, and the strength of our organization. Hence, we shall continuously invest in our human resources to ensure a service force characterized by the highest standards of dignity, probity and professionalism.
We shall constantly endeavor to be more responsive to dynamic market conditions, flexible in coping with customer needs, innovative in leading the competition, and united in pursuing common objectives. Our financial capability shall likewise be continually invigorated to maintain dynamism, growth and stability. Recognizing our responsibility to our shareholders, we shall exercise judicious management to consistently provide them with fair returns and enhance the value of their investments. As a responsible corporate citizen, we shall remain committed to making meaningful contributions for the economic and social development of the communities in which we serve.
Awards & Distinctions

AWARDS AND DISTINCTIONS 2012 Best Bank in the Philippines, Euromoney Awards for Excellence
2011 Best Bank in the Philippines, Euromoney Awards for Excellence Grand Anvil, 46th Anvil Awards, Public Relations Society of the Philippines* Anvil Award of Merit for Public Relations Tools Publications, Public Relations Society of the Philippines 2010 Bank of the Year in the Philippines, The Banker Best Domestic Bank in the Philippines, Asiamoney Best Bank in the Philippines, Euromoney Awards for Excellence Overall Best Performing Government Securities Eligible Dealer (GSED), Bureau of Treasury Best Bond Fund Group, Thomson Reuters Lipper Fund Awards 1st ranking in Investment Performance of Retirement Funds in the Philippines (All Trusteed Funds Investment Managers Handling At Least Five Funds in the Survey), 99th Watson Wyatt Survey Grand Anvil, 45th Anvil Awards, Public Relations Society of the Philippines* Anvil Awards of Excellence, Public Relations Society of the Philippines* Anvil Award of Merit for Public Relations Tools Publications, Public Relations Society of the Philippines Philippine Quill Merit Award for Communication Skills Publications, International Association of Business Communicators Philippines Philippine Quill Merit Award for Communication Management Special Event - Internal or External, International Association of Business Communicators Philippines Gold Trusted Brand Award (Bank), Readers Digest 2009 Best Managed Company (Medium Cap Corporate), Asiamoney 3rd Best Overall for Corporate Governance in the Philippines, Asiamoney Best Investor Relations Officer, Asiamoney
1st in Financial Reputation in the Philippines, Asia 200 Report, The Wall Street Journal Asia Top 10 of the Philippines Most Admired Companies, Asia 200 Report, The Wall Street Journal Asia Corporate Governance Asia Recognition Award, 5th Corporate Governance Asia Annual Recognition Awards 1st in the Philippines for Best Investor Relations Services, The Asian Banker IR150 Survey, The Asian Banker Most Astute Investor in Asian Currency Bonds in the Philippines, The Asset Benchmark Research 2nd in List of Houses with Most Nominated Astute Investors in the Philippines, The Asset Benchmark Research Overall Best Performing Government Securities Eligible Dealer (GSED) Award, Bureau of Treasury Citation from the Department of Finance Bureau of Customs for being among the first banks to use the e2m (electronic-to-mobile) through PAS5 System, enabling quicker and more efficient processing of duties and taxes of client importers Philippine Quill Merit Award for Communication Skills Publications, International Association of Business Communicators Philippines Philippine Quill Merit Award for Communication Management Events, International Association of Business Communicators Philippines Philippine Quill Merit Award for Communication Management Employee/Member Communication, International Association of Business Communicators Philippines Philippine Quill Merit Award for Communication Management Electronic and Digital Communication, International Association of Business Communicators Philippines Philippine Quill Award for Communication Management Government Relations, International Association of Business Communicators Philippines Gold Trusted Brand Award (Bank), Readers Digest Gold Trusted Brand Award (Investment Fund Company), Readers Digest 2008 Readers Digest Gold Trusted Brand (Bank), Readers Digest Best Local Cash Management Bank in the Philippines, Asiamoney Philippine Quill Merit Award for Corporate Communications, International Association of Business Communicators Philippines Best Corporate Social Responsibility (CSR) program, Asian Banking and Finance* Special Award for Conglomerate in the Best Annual Report (BAR) Awards, Management Association of the Philippines Corporate Governance Asia Recognition Award, 4th Corporate Governance Asia Annual Recognition Awards Overall Best Performing Government Securities Eligible Dealer (GSED) Award, Bureau of Treasury Large Taxpayers Service Recognition, Bureau of Internal Revenue SSS Kabalikat Award, Social Security System 1st in Financial Reputation in the Philippines, 2008 Asia 200 Report, The Wall Street Journal Asia Deal of the Year, International Financing Review (IFR), for Metrobanks Lower Tier 2 Peso Denominated Step-Up Callable Subordinated Notes (LT2) Peoples Choice Award (Corporate Website), Philippine Web Awards Gold Trusted Brand Award (Bank), Readers Digest Straight-Through Processing Award 2008, Commerzbank AG, for excellent quality in the delivery of EURO-denominated commercial payments and financial transfers Outstanding Payment Formatting and Straight-Through Rate Award, Bank of New York Mellon, for accurate processing of payments and transfers with minimal manual intervention
1st bank to be awarded the Expanded Derivatives License under Bangko Sentral (BSP) Circular 594
2007 Top 5 Most Active Trading Participant, Philippine Dealing and Exchange Corp. (PDEx) Corporate Governance Asia Recognition Award, 3rd Corporate Governance Asia Annual Recognition Awards 1st Best Performing Government Securities Eligible Dealer in the Secondary Market, Bureau of Treasury 2nd Best Performing Government Securities Dealer both in the Primary and Secondary Markets, Bureau of Treasury Best Cash Management Bank in the Philippines, Financia Asia Gold Trusted Brand Award (Bank), Readers Digest Finalist, Best Annual Report (BAR) Awards, Management Association of the Philippines Philippines Capital Markets Deal of the Year, Thomson-IFR ASia 2006 Top 5 Most Active Trading Participant, Philippine Dealing and Exchange Corp. (PDEx) 1st Best Performing Government Securities Dealer in the Secondary Market, Bureau of Treasury 2nd Best Performing Government Securities Dealer in the Primary Market, Bureau of Treasury Philippine Dealing System (PDS) Officer of the Week Top 10 Most Active Philippine Dealing System Players Corporate Governance Asia Recognition Award, 2nd Corporate Governance Asia Annual Recognition Awards Trusted Brand Gold Award (Bank), Readers Digest Trusted Brand Gold Award (Investment Fund Company), Readers Digest Anvil Award of Excellence, Public Relations Association of the Philippines* Gold Quill Award of Excellence, International Association of Business Communicators Philippines Metrobank embarked on two capital-raising initiatives: a US$125 million Hybrid Tier 1 capital securities issue, the first ever in the country; and a US$132 million common share issue, the only international capital raising completed overnight. Management Man of the Year to Metrobank Group Chairman George S.K. Ty, Management Association of the Philippines CEO EXCEL (Communication Excellence in Organization) Award to Metrobank Chairman Antonio S. Abacan Jr., International Association of Business Communicators Philippines 2005 Best Government Securities Eligible Dealer (GSED) in both Primary and Secondary Markets, Bureau of Treasury Corporate Governance Asia Recognition Award, 1st Corporate Governance Asia Annual Recognition Awards Best Performing Retirement Fund Manager (All Trusteed Funds Investment Managers Handling At Least Five Funds in the Survey & Trusteed Funds Managed with Full Discretion Investment Managers Handling Less Than Five Funds in the Survey ), 95th Watson Wyatt Survey Outstanding Commercial Bank Award, Parangal ng Bayan Foundation, Inc. Balikat ng Bayan Award Best Collecting Commercial Bank, Social Security System Gold SuperBrand Award (Bank), Readers Digest 2004 Metrobank was granted one of the first licenses for UITF; Asian Bond Fund. Bank of the Year, The Banker Magazine & The Financial Times Group of London Most Outstanding Participating Financial Institution (PFI), Development Bank of the Philippines (DPB), for
the utilization of the Industrial Guarantee and Loan Fund (IGL) Runner-Up (Risk Management), Asian Banking Awards Balikat ng Bayan Award Best Collecting Commercial Bank, Social Security System Gold SuperBrand Award (Bank), Readers Digest Asian Corporate Social Responsibility (CSR) Award Anvil Award of Excellence, Public Relations Society of the Philippines* Gold Quill Award of Excellence, International Association of Business Communicators Philippines* 2003 Balikat ng Bayan Award Best Collecting Commercial Bank, Social Security System Agora Award for Advocacy Marketing, Philippine Marketing Association* Gawad Oscar Florendo, Public Relations Organization of the Philippines* Anvil Award for Best Public Affairs Management and Communications Program, Public Relations Society of the Philippines* Anvil Award for Outstanding External Information Video, Public Relations Society of the Philippines* People Power People Award, Benigno Aquino Foundation* Metrobank resources breached the Php500-billion mark, the first ever in the industry. 2002 Bank of the Year, The Banker Magazine & The Financial Times Group of London Highest ranking among Philippine banks, Asian Banker Journals Top 300 Balikat ng Bayan Award Best Collecting Commercial Bank, Social Security System
* Metrobank Foundation, Inc.
Company Profile
China Banking Corporation (China Bank, stock symbol CHIB) is the first privately-owned local commercial bank in the Philippines. It was incorporated on July 20, 1920 and started its operations on August 16, 1920. In 1947, China Bank was among the first local banks to be listed at the Manila Stock Exchange. Recovering from the pains of war, only 33 other companies, mostly those in mining and sugar milling, were listed at the time. In 1965, the Bank was also listed at the Makati Stock Exchange. Then in 1969, it became the first bank in Southeast Asia to process deposit accounts on-line. Over the years, China Bank has grown and expanded, becoming a universal bank in 1991 and one of the most trusted banks in the industry today. China Banks financial products and services include deposits and related services, international banking services, insurance products, loans and credit facilities, trust and investment services, cash management services, and other services such as acceptance of various bill payments and donations to charitable institutions. For the first semester of 2013, China Bank posted 46% growth in consolidated profits to P2.96 billion from P2.03 billion for the same period last year, driven by hefty improvements in its core operations. This strong income performance translates to a return on average equity of 13.24% and a return on assets of 1.81%. Total capital funds reached P44.58 billion. Its Tier 1 capital adequacy ratio (CAR) and total CAR remain well above the regulatory minimum17.11% and 17.96%, respectively. The Bank continues to make hefty investments to expand its operationsit bought Unity Bank last year to be merged with its thrift bank subsidiary China Bank Savings (CBS) this year, and recently entered a credit card partnership with MasterCard, paving the way for the launch of China Bank MasterCard Platinum and Classic in 2014.
China Bank offers a wide range of financial products and services through its nationwide network of over 300 branches and more than 500 ATMs (including CBS). Complementing this vast network are electronic banking channels that provide efficient and secure 24/7 serviceChina Bank Online (mobile and internet banking) and China Bank TellerPhone (phone banking). Our Board of Directors, which represents our shareholders, is the highest governing authority at China Bank. Collectively responsible for the governance of the Bank, the Board guides our overall philosophy and direction and sets the pace for our current operations and future developments, with the primary mandate of enhancing China Banks long-term shareholder value and ensuring profitability. Governance by the Board also includes continuous review of our internal structure to ensure that there are clear lines of accountability for management throughout the Bank.
Gilbert U. Dee Vice Chairman of the Board
Hans T. Sy Chairman of the Board
Peter S. Dee Director and Chief Executive Officer
Henry Sy, Sr. Honorary Chairman and Advisor to the Board
Joaquin T. Dee Director
Jose T. Sio Director
Herbert T. Sy Director
Harley T. Sy Director
Ricardo R. Chua Director, Senior Executive Vice President and Chief Operating Officer
Robert F. Kuan Independent Director
Alberto S. Yao Independent Director
Dy Tiong Independent Director
Products & Services PERSONAL Deposits Basic Products
Savings & Current Account

ChinaCheck Plus An interest-bearing account where withdrawals are affected by issuance of check. Passbook Savings An interest-earning savings account which comes with a passbook. ATM Savings An interest-earning savings account with an ATM card. MoneyPlus Savings A savings account that earns premium interest. Overseas Kababayan Savings A savings account with waived initial deposit and ADB requirement for OFWs.
Time Deposits
Certificate of Time Deposit An interest-bearing account with specific maturity and evidenced by a certificate issued by the bank. Diamond Savings Account A term-deposit product whose interest rates are based on the amount of deposit and term of placement. Money L.I.F.T. A 5-year high-yield term deposit account issued to individuals.
Investment Products
Peso - Denominated
Treasury Bills Treasury Bills (T-Bills) are Peso-denominated bills with a maximum term of 365 days. These are issued by the Republic of the Philippines and as such are their direct and unconditional obligation to the bond holders. T-Bills provide an investment alternative that is very secure and high-earning while providing you with liquidity. Retail Treasury Bonds Retail Treasury Bonds (RTBs) are Peso-denominated bonds issued by the Republic of the Philippines and as such are their direct and unconditional obligation to the bond holders. RTBs have minimal risk and fixed a coupon rate. These give quarterly interest and come in various bond terms ranging from 3 to 5 years. Fixed Rate Treasury Notes Fixed Rate Treasury Notes (FXTNs) have minimal risk and a fixed coupon rate. They give semi-annual interest and come in various bond terms ranging from as short as 2 years to as long as 20 years. Prime Corporate Bonds (Peso) Peso-denominated Prime Corporate Bonds offer you higher returns compared to government bonds and come from select large companies.
Dollar - Denominated
Republic of the Philippines (ROP) Dollar Bonds Invest your US Dollars in the development of our country and enjoy higher yields than short-term investments through the ROP Bonds, an investment with minimal risk and secured by the Philippine Goverment. Bangko Sentral ng Pilipinas (BSP) Bonds Bangko Sentral ng Pilipinas (BSP) Bonds provides a long-term Investment alternative in U.S. Dollars that has minimal risk and is secured by the country's own central bank. Prime Corporate Bonds (Dollar) U.S. Dollar-denominated Prime Corporate Bonds offer you higher returns compared to government bonds and come from select large companies.
Euro - Denominated
Republic of the Philippines (ROP) Euro Bonds Invest your Euros in the development of our country and enjoy higher yields than short-term investments through the ROP Bonds, an investment with minimal risk and secured by the Philippine Goverment.
Foreign Currency Products

US Dollar Savings Save your US Dollars while earning competitive interest. US Dollar Time Deposit Enjoy competitive interest rates with terms from one month to one year on minimum opening deposits of $1,500. Euro Savings Open and maintain an interest-bearing Euro account to avoid unnecessary currency conversions when receiving funds in Euro. Euro Time Deposit Use your Euro balances to earn interest and potentially benefit from foreign currency appreciation. Yuan Savings Diversify your investment portfolio by having a Yuan Savings account that earns interest.
Banking Day & Night
China Bank Online Internet Banking Enjoy the convenience of banking wherever, whenever. China Bank Online Internet Banking enables you to access to your accounts anytime, whether youre at home, in the office, or even when traveling. China Bank TellerPhone Using the countrys first ever telephone banking system, access your accounts and perform transactions over the phone guided by a recorded voice instruction. China Bank TellerCard With the China Bank TellerCard, access your accounts 24 hours a day, 7 days a week, through China Banks network of over 400 ATMs strategically located within Metro Manila and provincial areas. China Bank Online Mobile Banking Banking that is as easy as texting. Check your account balance, pay your bills, buy pre-paid PINs and much more using your mobile phone.
China Bank App Be on the go with China Bank App. Access your accounts, transfer funds and pay your bills anytime, anywhere on your iOS device like iPhone, iPad or iTouch and even find China Bank branches and ATMs with the geo-positioning locator.
Loans HomePlus Loans
With China Bank HomePlus, get as much as 80% of the appraised value with low interest rates and longer terms.
Low Fixed Interest Rates -- rate fixing periods from "fixed for one (1) year" to "fixed for twenty five (25) years" are available to safeguard you against sudden rate increases Flexible payment terms: o Up to 25 years for a house and lot o Up to 15 years for vacant lots o Up to 10 years for condominium units o Low insurance premiums through CBC Insurance Brokers Inc. o Easy and convenient loan payment via an auto-debit arrangement
With a China Bank HomePlus loan, you can...
Purchase a residential lot, house and lot, townhouse or a condominium unit Construct or renovate residential improvements Reimburse recent construction or the purchase of residential property Refinance an existing housing loan with other financial institutions
For inquiries and applications, please call us at (632) 885-5555. You may also visit us at the 3rd floor China Bank Building, 8745 Paseo de Roxas corner Villar Street, Makati City or the nearest China Bank Branch. For provincial applications, you may proceed to the following CBG Business Centers: CEBU Center Banilad Branch 2F CBG Bldg. AS Fortuna Street, Banilad, Cebu City Tel # (032) 416-1915 (032) 416-1606 (032) 346-4448 to 49 Fax # (032) 346-4450 PAMPANGA Center San Fernando Branch 2F CBC Bldg., V. Tiomico Street, Sto. Rosario, San Fernando, Pampanga Tel # (045) 961-5344 (045) 961-0467 (045) 961-3542 Fax # (045) 961-8351 CAGAYAN DE ORO Center Lapasan Branch 2F CBC Bldg., Claro M. Recto Avenue, Lapasan, Cagayan de Oro City Tel # (08822) 72-8195 Fax # (088) 856-2409 DAVAO Center Davao Main Branch
2F CBC Bldg., C.M. Recto corner, J. Rizal St., Davao City Tel # (082) 226-2103 (082) 221-4163 Fax #(082) 222-5021 ILOILO Center Iloilo Rizal Branch 2F CBC Bldg., Rizal corner Gomez St., Brgy. Ortiz, Iloilo City Tel # (033) 336-7918 Fax #(033) 336-7909 BACOLOD Center Bacolod Araneta Branch CBC Bldg., Araneta corner San Sebastian Street, Bacolod City Tel # (034) 435-0647 Fax # (034) 433-7153 CABANATUAN Center Maharlika Branch 2F CBC Bldg., Brgy. Dicarma, Maharlika Highway, Cabanatuan City 3100 Nueva Ecija Tel # (044) 600-1575 Fax # (044) 463-1063 DAGUPAN Center Dagupan City Branch Siapno Bldg., Perez Boulevard, Dagupan City Tel # (075) 522-8471 Fax # (075) 522-8472 BATANGAS Center Batangas City Branch 2F CBC Bldg., P. Burgos St., Batangas City Tel # (043) 723-7127 Fax # 520-6161
AutoPlus Loans
Apply for an AUTOPLUS vehicle loan and your gas is on us. Applications received from July 20 to September 15, 2012 and subsequently approved and availed of within 60 days but not exceeding November 15, 2012 with a minimum loan amount of P700,000 and minimum term of 12 months based on qualified interest rates, will get a FREE PETRON FUEL CARD.
Very low interest rates Very low monthly amortization Very competitive downpayment and amortization terms Low insurance premiums through China Bank Insurance Brokers, Inc. Easy and convenient loan payment arrangements
With a China Bank AutoPlus loan, you can...
Purchase a brand new or 2nd hand vehicle Reimburse the cost of a brand new vehicle within 30 days from purchase Avail of a multi-purpose loan against your own vehicle
For inquiries and applications, please call us at (632) 885-5353. You may also visit us at the 3rd floor China Bank Building, 8745 Paseo de Roxas corner Villar Street, Makati City or the nearest
China Bank Branch. For provincial applications, you may proceed to the following CBG Business Centers: CEBU Center Banilad Branch 2F CBG Bldg. AS Fortuna Street, Banilad, Cebu City Tel # (032) 416-1915 (032) 416-1606 (032) 346-4448 to 49 Fax # (032) 346-4450 PAMPANGA Center San Fernando Branch 2F CBC Bldg., V. Tiomico Street, Sto. Rosario, San Fernando, Pampanga Tel # (045) 961-5344 (045) 961-0467 (045) 961-3542 Fax # (045) 961-8351 CAGAYAN DE ORO Center Lapasan Branch 2F CBC Bldg., Claro M. Recto Avenue, Lapasan, Cagayan de Oro City Tel # (08822) 72-8195 Fax # (088) 856-2409 DAVAO Center Davao Main Branch 2F CBC Bldg., C.M. Recto corner, J. Rizal St., Davao City Tel # (082) 226-2103 (082) 221-4163 Fax # (082) 222-5021 ILOILO Center Iloilo Rizal Branch 2F CBC Bldg., Rizal corner Gomez St., Brgy. Ortiz, Iloilo City Tel # (033) 336-7918 Fax # (033) 336-7909 BACOLOD Center Bacolod Araneta Branch CBC Bldg., Araneta corner San Sebastian Street, Bacolod City Tel # (034) 435-0647 Fax # (034) 433-7153 CABANATUAN Center Maharlika Branch 2F CBC Bldg., Brgy. Dicarma, Maharlika Highway, Cabanatuan City 3100 Nueva Ecija Tel # (044) 600-1575 Fax # (044) 463-1063 DAGUPAN Center Dagupan City Branch Siapno Bldg., Perez Boulevard, Dagupan City Tel # (075) 522-8471 Fax # (075) 522-8472 BATANGAS Center Batangas City Branch 2F CBC Bldg., P. Burgos St., Batangas City Tel # (043) 723-7127 Fax # 520-6161
Remittance Overseas Kababayan Services

China Bank On-time Remittance Remittance is a critical service to Filipinos abroad. China Banks response to this critical requirement is the fast, secure, and affordable China Bank On-Time Remittance. Remittance sent from anywhere in the world through China Banks remittance tie-ups, is transferred electronically to the Philippines in seconds. The funds may be for direct credit to the beneficiarys China Bank account or account in other banks, loaded in a China Bank On-Time Remittance Card or China Bank Smart Money Card, sent via door-to-door delivery, or picked-up in cash from any China Bank branch, or from any branch of the Banks domestic remittance tie-ups: M. Lhuillier, Cebuana Lhuillier, One Network Bank, Palawan Pawnshop, and SM Global Pinoy Center. China Bank Overseas Kababayan Savings To encourage OFWs to open a basic bank account to improve their money management skills as well as make sending money to the Philippines easier and safer, China Bank offers the Overseas Kababayan Savings (OKS) account, a zero initial deposit and maintaining balance account. Deposits of at least P1,000 in the OKS account earn interest to promote the concept of saving and not withdrawing the whole remittance that gets credited. The account comes with an ATM card and it may be enrolled in China Bank Online for free for easier monitoring anywhere in the world. China Bank OKS WealthPlus A regular savings account is a good way to build a nest egg, but for potentially higher returns than regular savings, China Bank offers OKS WealthPlus, a range of Unit Investment Trust Fund (UITF) options that suit various risk profiles and investment horizons. Through the UITFs professionally managed by China Bank Trust Group, OFWs get to invest in assets that may normally be inaccessible to them, like expensive stocks or high-yielding corporate bonds typically offered only to institutional investors. China Bank OKS HomePlus OKS HomePlus loan is for the purchase of a lot, a house and lot, a townhouse, or a condominium unit. It is also available for house construction, renovation, or to refinance an existing loan with another bank. China Bank is offering very low interest rates6% p.a. fixed for the first yearand other low fixed rates up to the twentieth year of the loan, protecting borrowers from future rate increases. China Bank OKS AutoPlus OKS AutoPlus loan is for the purchase of brand new and second-hand vehicles, or to reimburse the cost of a brand new vehicle purchased within 30 days. OFWs can avail of the loan for as low as 20% down payment and terms of up to 60 months.
On-Time Remittances
Choose whether to have your remittance credited to a bank account, loaded into the China Bank On-time Remittance Card, claimed at any China Bank Branch or delivered directly to your familys doorstep. Al Ansari Exchange Recognized as a market leader in money exchange and remittance services. It offers instant cash payment thru Cash Express.
Available Services thru Cash Express: o Instant cash payout at any China bank and M. Lhuillier Branch o Credit to China Bank Account o Load to China Bank Smart Money Card
Alfardan Exchange Co. LLC (Qatar) A premier financial institution and one of the most technologically advanced companies in terms of remittance services in Qatar
AFX Fast Remit System o Web-Based Remittance System o Credit to a China Bank Account o Credit to an Account with Another Bank o Instant Cash Payout at any China Bank Branch
Bing Go Philippine Goods & Remittance Center (Taiwan)
Credit to a China Bank On-Time Remittance Card Credit to a China Bank Account Instant Cash Payout at any China Bank Branch or MLhullier Branch
Brunphil Express (S) Pte. Ltd. (Singapore) One of the biggest remittance companies in Singapore
Credit to a China Bank On-time Remittance Card Credit to a China Bank Account Credit to an Account with Another Bank Door to Door Cash Delivery* Instant Cash Payout at any China Bank Branch or MLhullier Branch
RemitHome One of China Bank's Remittance Tie-Ups in the US that offers online remittance and which can be contacted thru:
Website: www.remithome.com US telephone Toll Free Number: 1-800-919-0787 weekdays from 9am to 7pm Pacific Time; and Email address: customerservice@remithome.com
HyperRemit (Canada)
Credit to a China Bank Account Credit to an Account with Another Bank Door to Door Cash Delivery* Instant Cash Payout at any China Bank Branch, MLhullier Branch, Cebuana Lhuillier
Kwik Money Remittance Hawaii, LL (Hawaii & Florida USA)
Credit to a China Bank On-Time Remittance Card Credit to a China Bank Account Credit to an Account with Another Bank Door to Door Cash Delivery* Instant Cash Payout at any China Bank Branch or MLhullier Branch
MRGLiane Universal Corporation (Ontario, Canada)
Credit to a China Bank On-Time Remittance Card Credit to a China Bank Account Credit to an Account with Another Bank Door to Door Cash Delivery* Instant Cash Payout at any China Bank Branch or MLhullier Branch
Philippine Express Remittance & Allied Services (PERA), Inc. (California, USA)
Credit to a China Bank On-Time Remittance Card Credit to a China Bank Account
Pinoy Express (Hongkong, Malaysia, Brunei)
Credit to a China Bank On-Time Remittance Card Credit to a China Bank Account Door to Door Cash Delivery* Instant Cash Payout at any China Bank Branch or MLhullier Branch
SAMBA Financial Group (Saudi Arabia) One of the largest banking firms in Saudi Arabia
SPEEDCASH o Instant Cash Payout at any China Bank Branch
UAE Exchange Centre LLC (UAE) One of the leading exchange houses in the Middle East, primarily focusing on money transfers and money exchange
Xpress Money Transfer o Instant Cash Payout at any China Bank branch o Credit to a China Bank Account
Wallstreet Exchange Centre LLC (UAE) One of the largest companies in UAE
Instant Cash Global Money Transfer o Instant Cash Payout at any China Bank branch
*Door to Door Cash Delivery on the same day for Metro Manila areas and 2-4 days for provincial areas
For further inquiries, please call any of the following telephone numbers:
Head Office (Makati City) (632) 885-5227; 885-5228; 885-5243; 885-5244 Binondo Business Center at (632) 247-5388 loc. 5396, 5397, or 5387 for information on Inter-bank Fund Transfer services.
On-Time Remittance Card
Experience the convenience of sending your remittances through the China Bank On-time Remittance Card a reloadable cash card that functions as an ATM card and purchase card. Initial Deposit Requirement None Minimum Maintaining Balance None Minimum Initial Load P100 Access Points
ATM BancNet POS TellerPhone
Cost Free What can your beneficiary do with the On-time Remittance Card? The On-time Remittance Card has 2 uses: As an ATM Card
Withdraw at any China Bank, BancNet, Megalink and Expressnet ATM Nationwide Pay bills Transfer funds to a China Bank or BancNet Account
As a Purchase Card
Shop at over 5,000 BancNet POS terminals in the Philippines
How to apply A remitter can apply by sending a remittance via the On-time Remittance Card at selected remittance partners abroad. Text Notification Your beneficiary will be notified of the remittance and the availability of his Red On-time Remittance Card through SMS or phone call. The Red On-time Remittance Card can be picked up at the designated China Bank branch in the Philippines. Others Higher withdrawal limit of P30,000/day using China Bank ATMs.
Smart Money Card
Initial Deposit Requirement None Minimum Maintaining Balance None Minimum Initial Load None Access Points
ATM BancNet POS Smart Mobile Phone
Reloading
Remittance Crediting Card to Card Fund Transfer (Smart Money)
How to apply
Application may be initiated by the Remitter through direct registration of his or her intended Beneficiary via the CBC Online Beneficiary Registration Facility or by the Beneficiary at a China Bank Branch.
The Beneficiary must be at least fifteen (15) years of age. Only the designated Beneficiary may claim the CBC Smart Money The CBC Smart Money will be activated after issuance to the Beneficiary.
Others The total amount that can be loaded to the card is P100,000 per month.
Trust Products & Services Wealth Management

Estate Planning Estate Planning is the systematic arrangement of all of the personal assets or belongings of an individual in order to attain present and future goals as well as those that could extend beyond his lifetime. A client may want an arrangement that will provide regular living allowance for him and his designated beneficiary/ies or address more specific needs such as providing for the educational or medical needs of loved ones. In general, the ultimate goal boils down toward the preservation of the estate that one has worked so hard to build and to be able to transfer it to designated heirs and beneficiaries at the appointed time. China Bank-Trust Group can help you achieve your estate planning goals through the following arrangements:
Personal Living Trust During your lifetime, you may already start conveying properties or funds to be held and managed for the benefit of your beneficiary/ies. Irrevocable Life Insurance Trust If you have insurance policies, we can help you ensure that the proceeds are delivered to your named beneficiaries at the time you have appointed and are used for the purposes you have intended for them. Testamentary Trust An arrangement created by a will and which will take effect upon the demise of the Trustor. We can help by ensuring that your wishes are carried out in accordance with your last will and testament.
Investment Management Arrangement An arrangement wherein funds and assets are professionally managed by the China Bank Trust acting as Investment Manager based on a customized portfolio design that considers the clients investment objectives, liquidity requirement, yield expectation and risk tolerance, among others. The client may choose to make all the investment decisions on his own or to allow the Investment Manager to exercise full discretion to invest his assets according to established portfolio objectives. As an agency arrangement, legal title over the assets remains under the name of the client. There are two types of investment management arrangement to choose from depending on the level of investment discretion that the client is willing to grant to China Bank Trust : 1. 2. As an Investment Advisor China Bank gives the client advice on various investment options on which basis the client will be able to make the decision on how, when and where to invest his funds, or As an Investment Manager with Full Discretion China Bank is given full authority to invest the clients funds in the manner which it deems will best meet the clients portfolio objectives.
Whatever option the client chooses, he can be assured that China Bank Trust will be with him every step of the way, to provide guidance in making investment decisions and to help optimize the potential earnings of investible funds.
For more details, please call Trust Group - Business Development Unit at (632) 885-5878, 885-5867, 8855862, 885-5858.
Investment Products
Whatever option the client chooses, he can be assured that China Bank Trust will be with him every step of the way, to provide guidance in making investment decisions and to help optimize the potential earnings of investible funds. For more details, please call Trust Group - Business Development Unit at (632) 885-5878, 885-5867, 8855862, 885-5858.
Corporate Institutional Trust
Employee Benefit Planning
Based on Republic Act No. 7641 (RA 7641) or the Retirement Pay Law, all private corporations, except retail, service and agricultural establishments employing not more than ten (10) employees or workers, are required to give retirement benefits to their regular employees aged sixty (60) years old and who have rendered at least five (5) years of continued service. Aside from complying with the requisites of the law, setting up a retirement/employee benefit fund will also enable the company to avoid unnecessary cash flow disruptions brought about by the payment of retirement benefits, not to mention possible direct cash benefits by way of tax savings. When deciding to establish a retirement/employee benefit fund, consider China Bank Trust Group as your professional and reliable partner. As your Trustee / Fund Manager, the scope of our services will include :
Assist in the development of the retirement plan rules and regulations, coordinate with the actuary, and register the retirement plan with the BIR for tax qualification; Develop and implement appropriate investment strategies to maximize portfolio yield taking into consideration the companys objectives, risk tolerance, tax status and liquidity needs, among others; Administer the plan in accordance with its specific provisions, terms and conditions; Maintain accurate and detailed records of all investments, receipts, disbursements and other transactions of the Fund as well as render periodic financial reports; and, Dedicate a Portfolio Officer who will personally attend to your queries and service any requirements pertaining to your trust account.
Collateral and Mortgage Trusteeship China Bank Trust Group can act as an impartial intermediary or trustee between a corporate borrower or issuer of bonds/notes and the participating lending institutions. Our services include:
Registration of the Mortgage Trust Issuance/cancellation/replacement of the Mortgage Participation Certificates (MPC) and computation of beneficial interest for each creditor Safekeeping of all pertinent documents Ensuring that the mortgaged properties are regularly appraised and properly insured And, in the event of default, to institute foreclosure proceedings, take possession of the mortgaged properties, and apply the proceeds from the sale to the payment of taxes, assessments and the lenders to the extent of their pro rata participation in the collateral pool.
Facility Agency Services For large corporate borrowers, China Bank Trust Group can act as facility agent in behalf of the companys creditors/noteholders. A facility agent we will provide the following services:
Monitoring compliance and coordinating with the Issuer, Bookrunner and Noteholders in relation to the performance of their respective responsibilities under the Facility Agreement; Ensuring compliance by all concerned with conditions precedent, representations and warranties, positive and negative covenants, events of default and the like; and Sending notices on any matter to the noteholders/issuer.
Investment Management Arrangement An arrangement wherein funds and assets are professionally managed by the China Bank Trust acting as Investment Manager based on a customized portfolio design that considers the clients investment objectives, liquidity requirement, yield expectation and risk tolerance, among others. The client may choose to make all the investment decisions on his own or to allow the Investment Manager to exercise full
discretion to invest his assets according to established portfolio objectives. As an agency arrangement, legal title over the assets remains under the name of the client. There are two types of investment management arrangement to choose from depending on the level of investment discretion that the client is willing to grant to China Bank Trust : 1. 2. As an Investment Advisor China Bank gives the client advice on various investment options on which basis the client will be able to make the decision on how, when and where to invest his funds, or As an Investment Manager with Full Discretion China Bank is given full authority to invest the clients funds in the manner which it deems will best meet the clients portfolio objectives.
Escrow Services
Escrow Agency Services Whenever there are deals involving the transfer of funds or valuable assets between or among parties who are generally unfamiliar with each other, it is always best to have an impartial third party (known as an escrow agent) who will see to it that the terms and conditions of the transaction are complied with. The escrow agent shall also be responsible for holding the funds and/or documents for release to the appropriate party upon satisfaction of their respective duties and obligations. Trust China Bank to serve as an impartial party to a variety of business deals and transactions. With China Bank-Trust Group as your Escrow Agent, you are assured that:
Your rights and interests as well as that of the other parties to the transaction will be safeguarded; You are relieved from the burden of monitoring compliance by your counterparty/ies of their respective responsibilities and obligations; CBC-Trust will ensure that funds//documents will be released to the appropriate party only upon the satisfactory performance/delivery of the concerned parties deliverables under the transaction.
Take your pick from any of the following escrow arrangements: China Bank Escrow Agency - Buy and Sell For clients involved in buy-and-sell transactions with counterparties who they are not too familiar with, covering real estate properties, shares of stocks, and other valuable assets. China Bank Escrow Agency - Capital Gains Tax For individuals disposing of their principal residence with the intention to construct or acquire a new principal residence, this escrow arrangement will give them the chance to potentially save on the 6% capital gains tax imposed by the Bureau of Internal Revenue (BIR) on real estate sale transactions. China Bank Escrow Agency - POEA For employment agencies deploying Filipino workers overseas, an escrow arrangement is required by the Philippine Overseas & Employment Administration (POEA) prior to the grant or renewal of a license to operate.
China Bank Escrow Agency Service HLURB For real estate developers, an escrow arrangement with the Housing and Land Use Regulatory Board (HLURB) is required prior to the grant of a license to sell to prospective buyers. For more details, please call Trust Group-Business Development Unit at (632)885-5878, 885-5867, 8855862, 885-5858, or visit your nearest China Bank Branch.
Other Services BIR Tax Payments

Enjoy the convenience of paying your taxes through China Bank. Visit the accredited branch within your company's revenue district. For Over-the Counter transactions, please visit the accredited branch within your companys revenue district.
Direct Deposit Services
If you are a US Pensioner, you can now receive the proceeds of your pension via direct credit to your China Bank savings account. Simply visit the nearest China Bank branch to enroll in the program. Initial Deposit Requirement
Peso Passbook Savings: P 1,000 US Dollar Savings: $100
Minimum Monthly Average Daily Balance (ADB)
Peso Passbook Savings: P 1,000 US Dollar Savings: $100
Documentation Passbook Access Points
Branch China Bank Online
Transaction Fees for Pension Credits
Credit to Peso Passbook Savings: $1.50 + Documentary Stamps Tax Credit to US Dollar Savings: $3.00
Eligible Pensioners
Recipients of Social Security Administration (SSA) payments World War II Veterans American Military and Civil Personnel
Requirements
Submission of the Notice of Award Completed Direct Deposit Sign-up Form
Others
Pension credit to a Peso Passbook Savings is subject to Documentary Stamps Tax (P 0.30 for every P 200.00 or fraction thereof) PDIC Coverage: up to P 500,000 per depositor
Gift Check
The ideal gift for weddings, birthdays, graduations and other special occasions - the China Bank Gift Check. Available in all China Bank branches nationwide. Minimum Amount per Check P100 Service Fee per Check P 30
Night Depository Services

Deposit your cash beyond banking hours through locked depository bags in China Banks night depository safe. Please contact your branch of account to avail of this service.
PhilHealth Payments
For Individuals MI-5 For Corporations ME-5
Safety Deposit Boxes
Keep your valuables secure in a China Bank safety deposit box (SDB) for a minimal fee. Features

Fees
Various locker sizes to choose from Option to rent for 1 year or longer
Rental Fee: (Determined by locker size) Deposit Fee for Keys: P 600*
*Will be reimbursed upon termination of contract and return of keys
SSS Payments
Easily remit your SSS monthly dues and contributions through China Bank. Visit any China branch and present your payment along with your Contributions Payment Return Form.
SSS Pension Credits
Avoid the risk of loss and the hassle of check encashment. Have your SSS Pensions directly credited to your China Bank account for your peace of mind and convenience. Initial Deposit Requirement P100 Minimum Maintaining Balance Waived Daily Available Balance to Earn Interest P5,000
Interest 0.25% per annum (subject to 20% withholding tax) Documentation Passbook Access Points
Branch China Bank Online
Requirements
Submit Letter of Introduction (LOI) from SSS Present 2 valid IDs
BUSINESS Cash Management Collections

Check Depot Automated warehousing and monitoring of post-dated checks. Bills Pay Plus Acceptance of payments due to companies / institutions from their subscribers, dealers, and /or payors accepted across different banking proprietary channels of China Bank. Auto Debit Arrangement (ADA) Electronic acceptance and collection of payments by companies from their customers / subscribers via automatic debit from said customers China Bank accounts and crediting the same to the companies designated settlement account. Bancnet Payment System (POINT-OF-SALE / Bancnet Online / eShopping) Various collection channels for merchants to capture electronic payment for purchases via swiping of all Bancnet / Megalink / Expressnet issued ATMs, Bancnet Online, or thru e-Shopping.
Liquidity Management
Enables transparency of balances and transactional movements to allow companies to take full control and optimize working capital. Services available:
Accounts Data Inquiry - View account balances and print / save transaction histories Sure Sweep - Balances across linked accounts can be transferred automatically at set periods and/or amounts.
CMS products and services are available in various platforms, one of which is the China Bank Online Facility.
Disbursements
Check Write Plus Automated printing of voucher and check by the Bank (outsourced) or using a stand-alone software
Outsourced centralized printing of checks at China Banks cash management operations hub, including releasing of checks either to the company or their payees Stand-Alone stand-alone software installed in the company specifically for printing their own checks BIR 2307 printing of the Certificate of Creditable Tax Withheld
Payroll Services
TellerCard Payroll batch crediting of ATM accounts in a file uploaded via the Internet Online Payroll same day, near-online crediting of accounts in a file uploaded via the Internet Payroll Software stand-alone program installed in the company specifically for processing their own payroll Outsourced Payroll Processing total outsourcing of the preparation and processing of the computation of the companys payroll
Auto Credit Arrangement Same day, near-online payment via automatic crediting of payees China Bank accounts in a file uploaded via the Internet. eGoverment Payments
BIR Tax Payments - online filing and payment of all Government Taxes via the Bureau of Internal Revenue's Electronic Filing and Payment System (BIR eFPS) and BancNet's Transaction Payment Gateway (BancNet TPG) SSSNet online filing and payment of premium contributions and loan payments to the Social Security System (SSS) via BancNet's Electronic Data Interchange (BancNet EDI) platform. BancNet eGOV - online payment of contributions to the Philippine Health Insurance Corporation (PhilHealth)
Interbank Fund Transfer Real-time crediting of a payee's account in another BancNet member-bank and debiting of the company's account in China Bank via the Internet
Commercial Lending Short-Term Working Capital Loans

Whether to strengthen your cash flow, or help fund your day to day operations, China Bank has a wide variety of Short-Term Working Capital Loans designed to help leverage on your existing collateral and answer your working capital needs. Our comprehensive list of Short-Term Working Capital Loans Discounting of Post Dated Checks Discounting of post dated checks allows the corporate borrower to convert its post dated checks into cash. Export Advances and Loans This facility allows corporate clients engaged in the export business to avail of pre-export financing for purchasing raw materials and paying overhead expenses. Export Bills Purchased This facility allows corporate clients to assign or sell to the bank either on collection or by outright purchase to the bank in order to obtain working capital for the next export shipment. Import Letters of Credit These allow the client to purchase raw materials both locally or from abroad using the Banks Letters of Credit as collateral. Domestic Letters of Credit Trust Receipts The Trust Receipt allows the client to sell goods which are consigned to them. Receivable Purchase Loan A Receivable Purchase Loan allows a client to assign or sell its receivables to the bank, thereby ensuring the liquidity and manageability of its funds. Loan Line A Loan Line allows clients to avail of funds for general working capital requirements. Ominbus Line An Omnibus Line allows clients the flexibility to avail of different types of loan or trade facilities.
For inquiries, please contact our Account Management Group at 885-5503, 885-5505 to 5511 and 885-5520 and an Account Management Officer will be happy to assist you.
Long-Term Working Capital Loans

In running your own business raising capital to grow and expand, to answer financing needs, or to take advantage of a business opportunity can be foremost on your mind. China Bank has a variety of Long Term loans suited to help you maximize your business true potential. Our comprehensive list of Long-Term Working Capital Loans Long-Term Loans This facility provides long-term funding for expansion of businesses such as construction of plants or factories, expansion or acquisition of additional equipment, and funding a portion of permanent working capital requirements. Project Based Financing This facility applies to any of the DBP/LBP/SSS funded programs, allowing the client to lock-in the interest rate and term of a loan. For inquiries, please contact our Account Management Group at 885-5503, 885-5505 to 5511 and 885-5520 and an Account Management Officer will be happy to assist you.
International Banking Import Financing

Our comprehensive list of Import Financing Products: The following products require a prior arrangement with our Account Management Group to evaluate your needs and the establishment of credit facilities or lines for your business.
Import Letters of Credit (LC FOR) all types Domestic Letters of Credit (LC- DOM) all types Trust Receipts Shipping Guarantees Standby Letters of Credit
The products listed below are open for your availment, even without a pre-existing credit facility or line with China Bank:
Documents Against Payment Documents Against Acceptance Open Account
Export Financing
Our comprehensive list of Export Financing Products: The following products require a prior arrangement with our Account Management Group to evaluate your needs and the establishment of credit facilities or lines for your business.
Negotiation of Export Documents Under Letters of Credit (EBP- Export Bills Purchased or BD Bills Discounted) Bangko Sentral ng Pilipinas Rediscount Loans (BSPRED) Pre-Export Financing Loans
The products listed below are open for your availment, even without a pre-existing credit facility or line with China Bank:
Collection of Export Documents (non-LC) (DP,DA) Advising of Export Letters of Credit Advising of Standby Letter of Credit Transferring of Letters of Credit on Transferable Letters of Credit
Remittances
On-time Remittance Service o Send your money to the Philippines through our accredited partners in the following locations:
California Florida Hawaii Ontario Singapore Hongkong

o
Brunei Malaysia Taiwan Saudi Arabia UAE Qatar
Apply for a China Bank On-time Remittance Card at one of our selected On-time remittance partners so you and your beneficiary can conveniently withdraw your remittance from any China Bank, BancNet, Megalink, and Expressnet ATM. e-BIZ Western Union Money Transfers o Send money through any Western Union around the world. Remittances can be claimed in any China Bank branch. For added convenience, beneficiaries need only to open a Peso or US Dollar Deposit Account.
Please contact our Binondo Business Center at (632) 247-5388 loc. 1916, 1213, or 1226 for information on the following Inter-bank Fund Transfer services:
Philippine Domestic Dollar Transfer System (PDDTS) GSRT RTGS and end-of-day Netting System Electronic Peso Clearing and Settlement (EPCS)
Trust Products & Services Wealth Management

Investment Products
Unit Investment Trust Funds China Bank Trust Group offers an array of Unit Investment Trust Funds (UITFs) to meet the varying needs and objectives of investors.
China Bank Money Market Fund A peso-denominated money market fund with minimal volatility and high level of liquidity; invested primarily in short-term marketable fixed-income securities such as deposits and government securities. China Bank GSFund A long-term bond fund invested mainly in peso-denominated notes, bonds or securities issued by or guaranteed by the government of the Republic of the Philippines or the Bangko Sentral ng Pilipinas. Caters to conservative investors who wish to take advantage of the relative safety and favorable returns offered by government securities. China Bank Balanced Fund Offers a good mix of investments in high-grade and marketable fixed-income securities issued by the Philippine government and prime corporations as well as choice equity issues listed in the Philippine Stock Exchange. Intended for the aggressive investor with an investment horizon of at least one year and who are able to tolerate a higher level of volatility in exchange for higher potential returns.
China Bank Equity Fund A peso-denominated fund invested primarily in equities and short-term, tradeable fixed-income securities with the share of equities not to exceed 90% of the Fund at any point in time. China Bank DollarFund A dollar-denominated, medium-term bond fund which aims to generate above-average returns by investing in high-grade marketable securities comprised mainly of US dollar-denominated government securities.
Whatever option the client chooses, he can be assured that China Bank Trust will be with him every step of the way, to provide guidance in making investment decisions and to help optimize the potential earnings of investible funds.
For more details, please call Trust Group - Business Development Unit at (632) 885-5878, 885-5867, 8855862, 885-5858. China Bank UITFs are not deposit accounts and as such are not covered by the Philippine Deposit Insurance Corporation. Due to daily marking-to-market of investments, the value of the UITFs may fluctuate depending on prevailing market conditions. Any income or loss that may results from the performance of the Funds shall be for the account of the participant. Historical returns of the Funds are for indication purposes only and are not a guarantee of future results. The list of existing and prospective investments and financial reports of the Funds are updated on a regular basis and, together with the Explanatory Memorandum, are made available to participants upon request.
Corporate Institutional Trust
Employee Benefit Planning Based on Republic Act No. 7641 (RA 7641) or the Retirement Pay Law, all private corporations, except retail, service and agricultural establishments employing not more than ten (10) employees or workers, are required to give retirement benefits to their regular employees aged sixty (60) years old and who have rendered at least five (5) years of continued service. Aside from complying with the requisites of the law, setting up a retirement/employee benefit fund will also enable the company to avoid unnecessary cash flow disruptions brought about by the payment of retirement benefits, not to mention possible direct cash benefits by way of tax savings.
When deciding to establish a retirement/employee benefit fund, consider China Bank Trust Group as your professional and reliable partner. As your Trustee / Fund Manager, the scope of our services will include :
Assist in the development of the retirement plan rules and regulations, coordinate with the actuary, and register the retirement plan with the BIR for tax qualification; Develop and implement appropriate investment strategies to maximize portfolio yield taking into consideration the companys objectives, risk tolerance, tax status and liquidity needs, among others; Administer the plan in accordance with its specific provisions, terms and conditions; Maintain accurate and detailed records of all investments, receipts, disbursements and other transactions of the Fund as well as render periodic financial reports; and, Dedicate a Portfolio Officer who will personally attend to your queries and service any requirements pertaining to your trust account.
Collateral and Mortgage Trusteeship China Bank Trust Group can act as an impartial intermediary or trustee between a corporate borrower or issuer of bonds/notes and the participating lending institutions. Our services include:
Registration of the Mortgage Trust Issuance/cancellation/replacement of the Mortgage Participation Certificates (MPC) and computation of beneficial interest for each creditor Safekeeping of all pertinent documents Ensuring that the mortgaged properties are regularly appraised and properly insured And, in the event of default, to institute foreclosure proceedings, take possession of the mortgaged properties, and apply the proceeds from the sale to the payment of taxes, assessments and the lenders to the extent of their pro rata participation in the collateral pool.
Facility Agency Services For large corporate borrowers, China Bank Trust Group can act as facility agent in behalf of the companys creditors/noteholders. A facility agent we will provide the following services:
Monitoring compliance and coordinating with the Issuer, Bookrunner and Noteholders in relation to the performance of their respective responsibilities under the Facility Agreement; Ensuring compliance by all concerned with conditions precedent, representations and warranties, positive and negative covenants, events of default and the like; and Sending notices on any matter to the noteholders/issuer.
Investment Management Arrangement An arrangement wherein funds and assets are professionally managed by the China Bank Trust acting as Investment Manager based on a customized portfolio design that considers the clients investment objectives, liquidity requirement, yield expectation and risk tolerance, among others. The client may choose to make all the investment decisions on his own or to allow the Investment Manager to exercise full discretion to invest his assets according to established portfolio objectives. As an agency arrangement, legal title over the assets remains under the name of the client. There are two types of investment management arrangement to choose from depending on the level of investment discretion that the client is willing to grant to China Bank Trust : 1. As an Investment Advisor China Bank gives the client advice on various investment options on which basis the client will be able to make the decision on how, when and where to invest his funds, or
2.
As an Investment Manager with Full Discretion China Bank is given full authority to invest the clients funds in the manner which it deems will best meet the clients portfolio objectives.
Escrow Services
Escrow Agency Services Whenever there are deals involving the transfer of funds or valuable assets between or among parties who are generally unfamiliar with each other, it is always best to have an impartial third party (known as an escrow agent) who will see to it that the terms and conditions of the transaction are complied with. The escrow agent shall also be responsible for holding the funds and/or documents for release to the appropriate party upon satisfaction of their respective duties and obligations. Trust China Bank to serve as an impartial party to a variety of business deals and transactions. With China Bank-Trust Group as your Escrow Agent, you are assured that:
Your rights and interests as well as that of the other parties to the transaction will be safeguarded; You are relieved from the burden of monitoring compliance by your counterparty/ies of their respective responsibilities and obligations; CBC-Trust will ensure that funds//documents will be released to the appropriate party only upon the satisfactory performance/delivery of the concerned parties deliverables under the transaction.
Take your pick from any of the following escrow arrangements: China Bank Escrow Agency - Buy and Sell For clients involved in buy-and-sell transactions with counterparties who they are not too familiar with, covering real estate properties, shares of stocks, and other valuable assets. China Bank Escrow Agency - Capital Gains Tax For individuals disposing of their principal residence with the intention to construct or acquire a new principal residence, this escrow arrangement will give them the chance to potentially save on the 6% capital gains tax imposed by the Bureau of Internal Revenue (BIR) on real estate sale transactions. China Bank Escrow Agency - POEA For employment agencies deploying Filipino workers overseas, an escrow arrangement is required by the Philippine Overseas & Employment Administration (POEA) prior to the grant or renewal of a license to operate. China Bank Escrow Agency Service HLURB For real estate developers, an escrow arrangement with the Housing and Land Use Regulatory Board (HLURB) is required prior to the grant of a license to sell to prospective buyers. For more details, please call Trust Group-Business Development Unit at (632)885-5878, 885-5867, 8855862, 885-5858, or visit your nearest China Bank Branch.
VISION
Drawing strength from our rich history, we will be the best, most admired, and innovative financial services institution, partnering with our customers, employees, and shareholders in wealth creation.
MISSION
We will be a leading provider of quality services consistently delivered to institutions, entrepreneurs, and individuals here and abroad, to meet their financial needs and exceed their rising expectations. We will be a primary catalyst in the creation of wealth for our customers, driven by a desire to help them succeed, through a highly motivated team of competent and empowered professionals, guided by in-depth knowledge of their needs and supported by leading-edge technology. We will maintain the highest ethical standards, sense of responsibility, and fairness with respect to our customers, employees, shareholders, and the communities we serve.
Awards & Distinctions
2013 Straight-Through Processing (STP) Award Bank of New York Mellon Corporation (BNY)

2012
2012 Bell Award for Corporate Governance Philippine Stock Exchange (PSE) Gold Award in Corporate Governance Institute of Corporate Directors (ICD) Top 5 Corporate Issue Manager/ Arranger in 2012 PDS Group (Philippine Dealing System Holdings Corp. and Subsidiaries) Top Commercial Payment Partner Bank in the Philippines Bank of America Merill Lynch One of the largest banks in the Philippines in the acclaimed 2012 Asian Banks 300 Ranking Report Yazhou Zhoukan, the worlds only Chinese language international affairs magazine
2011
Best Wealth Management House in the Philippines and also cited as a rising staran emerging private banking powerhouse in the country The Asset Triple A Investment Awards Gold Award in Corporate Governance Institute of Corporate Directors (ICD) Top Commercial Payment Partner Bank Bank of America Merrill Lynch

2010
Silver Award - 2009 Corporate Governance Scorecard Institute of Corporate Directors One of the Ten Best Performing Goverment Securities Eligible Dealers (GSED) Bureau of Treasury P38.8B San Miguel Brewery Bonds Issue - Domestic Bond Deal of the Year, Philippine Capital Markets and Best Local Currency Bond in Asia (China Bank acted as joint lead manager) IFR Asia Magazine and The Asset Magazine
2009
One of the 100 Best-Performing Companies in Southeast Asia - ASEAN 100 Relative Wealth Added (RWA) Index Stern Stewart & Co.,
2008
Outstanding Commercial Bank
Consumers Union of the Philippines (CUP)
2007
People's Choice Best Corporate Website 10th Philippine Web Awards (PWA) Outstanding Commercial Bank Consumers Union of the Philippines (CUP)

2006
Best Banking & Finance Website 9th Philippine Web Awards (PWA) Cited No. 2 in Corporate Governance, next to PLDT (No. 1) and ahead of Ayala Corporation (No. 3) Institute of Corporate Directors Best Commercial Bank Asian Brand Excellence Most Outstanding Real Estate Financing Bank Asian Business and Marketing Awards Most Outstanding Real Estate Loan Philippine Quality Awards for Business Excellence (National Awards) Best Managed Philippine Brand Real Estate Financing Philippine Star Brand

2005
Outstanding Commercial Bank Parangal ng Bayan Award Outstanding Commercial Bank Global Excellence Awards Outstanding Commercial Bank National Consumers Quality Awards Outstanding Commercial Bank Consumers Union of the Philippines (CUP)
2004
Most Outstanding Commercial Bank Philippine Marketing Excellence Awards
2003
Best Annual Reports Category Management Association of the Philippines
2001
1st Place for the Tabang Mindanaw Print Advertisement Carousel of Bank Ads (21st National Convention of Bankers Institute of the Philippines)
1999
Best Performer in Treasury Bonds in the Primary Market Category Best Performing Government Securities Eligible Dealers Award (Bureau of Treasury)

Corporate Profile: Metropolitan Bank and Trust Company

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Corporate Profile: Metropolitan Bank and Trust Company

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Corporate Profile

Renato C. Valencia Independent Director

Jesli A. Lapus Independent Director

Robin A. King Independent Director

Vicente B. Valdepeas, Jr.

Rex C. Drilon II Independent Director

Remedios L. Macalincag Independent Director

Francisco F. Del Rosario, Jr. Independent Director

Amelia B. Cabal Director

Antonio V. Viray Director

FIRST VICE PRESIDENT Abellar, Ma. Lourdes P. Amparado, Amelia S.

Products & Services

Corporate Deposit Accounts

Trade Products & Services

Treasury Products for Businesses

Trust Products and Services

Metrobank Investment Funds

*Imputed in Net Asset Value per Unit

*Imputed in Net Asset Value per Unit

Formerly Metrofund Peak Earner

Fund Manager Custodian Valuation

*Imputed in Net Asset Value per Unit

Fund Manager Custodian Valuation

*Imputed in Net Asset Value per Unit

Fund Manager Custodian Valuation

*Imputed in Net Asset Value per Unit

*Imputed in Net Asset Value per Unit

*Imputed in Net Asset Value per Unit

*Imputed in Net Asset Value per Unit

average duration of five years.

*Imputed in Net Asset Value per Unit

Capital Markets (First Metro Investment Corporation)

Products & Services

Mission & Vision Statement

Awards & Distinctions

* Metrobank Foundation, Inc.

Gilbert U. Dee Vice Chairman of the Board

Hans T. Sy Chairman of the Board

Peter S. Dee Director and Chief Executive Officer

Henry Sy, Sr. Honorary Chairman and Advisor to the Board

Joaquin T. Dee Director

Jose T. Sio Director

Robert F. Kuan Independent Director

Alberto S. Yao Independent Director

Dy Tiong Independent Director

Products & Services PERSONAL Deposits Basic Products

Savings & Current Account

Foreign Currency Products

Banking Day & Night

Loans HomePlus Loans

With a China Bank HomePlus loan, you can...

With a China Bank AutoPlus loan, you can...

Remittance Overseas Kababayan Services

Bing Go Philippine Goods & Remittance Center (Taiwan)

Kwik Money Remittance Hawaii, LL (Hawaii & Florida USA)

MRGLiane Universal Corporation (Ontario, Canada)

Pinoy Express (Hongkong, Malaysia, Brunei)

SPEEDCASH o Instant Cash Payout at any China Bank Branch

On-Time Remittance Card

ATM BancNet POS TellerPhone

Shop at over 5,000 BancNet POS terminals in the Philippines

Smart Money Card

ATM BancNet POS Smart Mobile Phone