Republic of the Philippines

OCCIDENTAL MINDORO STATE COLLEGE

Bgy. Labangan, San Jose Occidental Mindoro 5100
Website: www.omsc.edu.ph Email Address: OMSC_9747@yahoo.com
Tele Fax (043) 491-1460

COLLEGE OF BUSINESS, ADMINISTRATION, AND MANAGEMENT

My
Portfolio
On-The -Job Training
2nd Semester, A.Y 2017-2018

MELVIN S. EMBANECIDO
Trainee
Bachelor of Science in Business
Administration Major in Financial
Management
I. Cover Page
II. Title Page
III. Table of Contents
IV. Resume
V. Prayer of Student-Trainee
VI. Personal Philosophy
VII. Career Plan
VIII. Company Profile
IX. SAS Requirements
Form 1
Form 2
Form 3
Form 4
Form 5
Form 6
X. Pertinent Documents
Memorandum of Agreement (MOA)
Endorsement Letter
Application letter
Parent consent (Waiver)
Photocopy Validated ID
Photocopy of Registration Form
Medical Certificate
Photocopy Application for Graduation
Photocopy of Evaluation Form
Summary of Grades
Certificate of Completion
Summary of Daily Time Record
Daily Time Record
XII. Pictorials
 STUDENT PRAYER

Our Father in heaven, Creator of all things, True source of light and wisdom, Origin of all
being I praise and adore You.

I would like to thank for an abundant blessings. Thank you for having supportive, loving,
and caring family. Thank you for making me strong in every difficulties and giving
courage to face problems. Thank you for providing what are best for me and guiding
through what are meant for me.

Now I am graduating for this coming April, I am grateful that You blessed and granted
me one of my dream. Thank you to all people that You used especially my family as your
instrument to provide my needs to finish my studies. Thank you for making them strong
and never give up on me.

Lord, please do forgive me with all my sins. Forgive me to all my shortcomings as a

daughter to my parents, I am so sorry if sometimes I regret the sacrifices they made, for
being impatience to my younger siblings and being careless to what I speak and act
against to my fellowmen. I am sorry for being distrust on You and sometimes being
weak. I am very sorry for all bad things I did.

Please be always in my heart and mind for me not to lose in right way on You. Guide me
to another chapter of life. Kindly keep me humble and never be arrogant on what I
achieved in life. Give me a courage and patience to achieve my goal and dreams for my
family. Let me used my knowledge and learning to help my family and make my sibling
finish their studies. Please guide also my parents on their everyday work, and my younger
siblings in their school, keep them always safe and achieved also their dreams in life.

These all I pray in the name of Jesus, our Savior.

AMEN.
 PERSONAL PHILOSOPHY

Our existence is not

flawless and always brings
happiness. We always
encountered different problems
and difficulties in our way. Many
struggles will come out to make
you miserable. Challenges are
always there waiting for you to
test your strength. There is
always negative judgment, and
regrets. Despite of those
hindrances, why should we live in
the imperfections of life when we
can smile at the most fault less.

We are living on what we

believe for and on our own point
of view. Everyone has a different
opinion on how people should act
and what are the characteristics of
real good person are. Some might
consider respectful, loyal, honest,
and humble. Yes, these
characteristics are very important.
On the other hand, I do believe
that being optimistic is the most
essential character. I think that
being positive and having always
smiled our face is very important.
I do believe that life is
too short to waste in negativity.
Being positive means looking out
in the side where you can see the
light and hope to survive. This
means that every rejection, there
are always much better happening
will come .In every rejections you
were able to look forward for better and you are over qualified for that, much better is fit
to your capabilities. Don’t be negative because it will cause you from failure in your
lifetime.

I consider myself to be very positive. I always look at bright side in every bad
situation. I can say that this is one of the key to happiness. Stay positive and it brings you
smile in your face even in the difficulties part of your life. Nothing is impossible; just
believe you can do it with the help of your prayers.
 CAREER PLAN

All of us have our career plan. We study because we want to achieve our goals, to
graduate, to find a job and to be employed. A career plan will be our guide for what we
should be after one year, two years or even after five years and so on.

After graduation, I am planning to do all the

requirements that we need to do and to get my Transcript of
Record and seek for a job so that I can have a work as soon as
possible. I am planning to work first in our town if there’s an
opportunity but if there’s none I will look for a job to other town
or municipality.

If I already have a job, I will help my family especially

my parents, since I’m an oldest brother I want to help my
youngest brother and sister to finish their study in high school
and college level. Save money for my family and for myself, of
course for my future. I will make sure to sustain all the needs of
my mother especially her maintenance medicine. I am planning
to put up business and make it successful so that my dream to have my own house and lot
will attain too. Before thinking of settling down I will make sure that everything my
parent’s need when they get old has been settled too.

All this matter I can do with God besides me, always make sure that God always
in my heart, mind and soul, and I make sure that always do good things for Our Lord
God.
Checks scanning
PNB Savings Bank Occidental Mindoro San Jose Branch.

A New Beginning
In 1999, a group of new private stockholders led by Dr. Lucio C. Tan acquired
approximately 35% of the total outstanding capital stock of PNB. In early 2000, the
group increased its share in the Bank to 69.32% and pumped in nearly P20 billion fresh
capital in less than one year. This was done to emphasize the commitment of the new
stockholders to the improvement of the Bank's financial condition, which had been
incurring losses in operations due to poor asset quality.
In late 2000, the Bank suffered a liquidity crisis and the National Government
stepped in to support the Bank by implementing a capital restructuring and injecting P25
billion in liquidity assistance.
In May 2002, the Government and the Lucio Tan Group, representing the
group of private stockholders, sealed the Memorandum of Agreement (MOA) that
embodied the provisions that would help turn the Bank around. It included, among others,
the settlement of Government's liquidity assistance by way of increasing the
Government's stake in the Bank from 16.58% to 44.98%, in effect reducing the group’s
share from 68% to 44.98%. At the same time, the Bank started operating under a 5-year
rehabilitation program.
In August 2005, the Government, as part of its privatization program, sold
down its 32.45% stake in the Bank via an auction. The private stockholders represented
by the Lucio Tan Group exercised their right of first refusal, reducing the Government’s
share to 12.5% and raising the group’s to a total of 77.43%.
 In June 2007, PNB settled its P6.1 billion loan to Philippine Deposit Insurance
Corporation (PDIC), more than four years ahead of the loan’s due date. The loan
repayment was a clear indication of the Bank’s renewed financial health.
In August 2007, the Bank completed its Tier 1 follow-on equity offering
where it raised about P5.0 billion in Tier 1 capital. Together with the sale of 89 million
primary shares, 71.8 million secondary shares owned by the National Government
through PDIC and DOF were sold to the public, thus bringing about a complete exit of
the Government from PNB.
Since the inception of the rehabilitation program, PNB exceeded the targets of
the program. While the program called for profits starting 2005, the Bank became
profitable as early as 2003. Within four years, PNB increased its net income sixteen
times from P52 million in 2003 to P820 million in 2006.
With its successful exit from the Government’s Rehab program and the strong
income performance, PNB has demonstrated its ability to sustain its heightened
competitiveness based on the three tenets of reducing non-performing assets,
strengthening core businesses and increasing profitability.
The Bank remains as one of the largest banks in the country with a wide array
of competitive banking products to answer for the diverse needs of its huge clientele
including more than 2 million depositors.
PNB maintains its leadership in the overseas remittance business with
remittance centers in the United States, Canada, London, France, Italy, Hong Kong,
Japan, Singapore and the Middle East countries.
Through its subsidiaries, the Bank also engages in a number of diversified
financial and related businesses such as remittance servicing, investment banking, non-
life insurance, stock brokerage, leasing and financing and foreign exchange trading. The
Bank, through its affiliate, is also engaged in other services such as life insurance.
Allied Bank was incorporated under the laws of the Republic of the
Philippines on April 11, 1977, and granted by the Central Bank of the Philippines the
Certificate of Authority to operate as a commercial bank on May 20, 1977. It formally
opened for business on June 2, 1977. On August 19, 1977, it was authorized to operate an
expanded foreign currency deposit unit (FCDU) and in December 1981 granted to
operate as expanded commercial bank or universal bank. As of December 31, 2007,
Allied Bank was the 9th largest private domestic commercial bank in the country in terms
of total deposits, and the 10th largest in terms of net worth.
Aside from its 283 domestic branches/offices, Allied Bank had two off-shore
(OBU) branches in Bahrain and Guam; a wholly owned subsidiary in the United
Kingdom (Allied Bank (UK) Plc); a majority owned subsidiary in Hong Kong (Allied
Banking Corporation (Hong Kong), Ltd.); a majority owned commercial bank subsidiary
in Xiamen, Fujian Province, People's Republic of China (Allied Commercial Bank), and
an affiliate commercial bank based in San Francisco, California, USA with a branch in
Guam (Oceanic Bank). Representative offices were established in Australia, Germany,
Italy, Japan, Singapore and Spain.
In the Philippines, the universal banking group of Allied Bank included a
wholly owned savings bank, the Allied Savings Bank, wholly owned Allied Forex Corp.
and an affiliate Allied Leasing and Finance Corporation.
 On December 7, 2007, the Supreme Court of the Philippines affirmed
a judgment dismissing the state's sequestration of Lucio Tan's companies: "There can be
no question that indeed, petitioner's (the government's) orders of sequestration are void
and have no legal effect." The landmark decision would trigger a planned merger
between Philippine National Bank (PNB) and Tan's Allied Banking Corporation. Edgar
Bancod, research head, ATR-Kim Eng Securities, stated that the merged bank would
become the country's fourth biggest after Metropolitan Bank & Trust Co., Banco de Oro-
EPCIB, and the Bank of the Philippine Islands.
On February 9, 2013, the PNB-Allied Bank merger was completed, adopting
the name Philippine National Bank and PNB savings Bank, Tarriela will be the chairman
and Mier will be the chief executive of the merged bank.

Vision: Our mission is to be preferred lending and savings bank serving the small
medium enterprise (SME’s) and consumer market which aim to deliver superior value to
clients and shareholders through excellent products, efficiency and growth.

Mission: We, at PNB Savings bank, are focused and delivering quality products and
services that create value and enrich lives of our customers, employees, shareholders
and communities we serve.

Furthermore, we shall observe the highest ethical behavior and maintain

integrity as we preserve for improvement in pursuit of profitability, operational
efficiency, asset quality, and risk management.