ANGELES UNIVERSITY FOUNDATION

Angeles City
COLLEGE OF BUSINESS AND ACCOUNTANCY
Bachelor of Science in Accountancy

METROPOLITAN BANK AND TRUST COMPANY

 
Good day, we thank you for allowing us to have this interview with you. This questionnaire is in
line with our Financial Management major requirement. It is assured that the data provided by
you shall be used only for school purposes. The identity of the respondent will be kept
confidential. 
 
INSTRUCTIONS:
1. Kindly fill in the following questionnaire on the basis of the facts of your bank.
2. Kindly put a tick beside your answer or type out what’s being asked, whichever applies
3. In case any question is not applicable to your bank, kindly type N/A.

I. Types of Short-Term Commercial Loans Offered by the Bank

A. Which among the following short-term loans does Metrobank offer?

____ Single-Payment Loans

____ Credit Line (guaranteed)

____ Credit Line (unguaranteed)

____ Letter of Credit
____ Others (please specify)

B. What are the rules for Metrobank to accept a Single-Payment Loan?

____________________________________________________________________________
____________________________________________________________________________
 
C. In what ways does Metrobank give a credit line? How does guaranteed differs from
unguaranteed one?
____________________________________________________________________________
____________________________________________________________________________

D. What are the varieties of letter of credit that Metrobank provides? How do they implement
such?
____________________________________________________________________________
____________________________________________________________________________

E. What are the other short term loans Metrobank presents aside from what were mentioned
above? How come they had these types and what are its edges among the other banks?
____________________________________________________________________________
____________________________________________________________________________

II. Collaterals Accepted for Short-Term Loans

A. What are the qualifications for the approval of the accounts receivable pledged as collateral
on a bank loan?
____________________________________________________________________________
____________________________________________________________________________

1. When will Metrobank not allow any accounts receivable to be pledged as collateral?
______________________________________________________________________

 
B. Based on your company’s experience, is assignment of accounts receivable more beneficial
on your part than pledge of accounts receivable? Kindly state your reason.
____________________________________________________________________________
____________________________________________________________________________

 
C. Does Metrobank offer floating inventory lien? If yes, at what interest rate is charged on it?
____________________________________________________________________________
____________________________________________________________________________

 
D. Does Metrobank offer trust receipt loans? If yes, at what interest rate is charged on it?
____________________________________________________________________________
____________________________________________________________________________
 

E. What is the warehousing arrangement of Metrobank?

____ Terminal Warehouse ____ Field Warehouse

1. At what percent does Metrobank’s warehouse receipt loans are generally higher than
those of any other secured lending arrangement? 
______________________________________________________________________
 
 
F. Does Metrobank offer hard collaterals? If yes, what are the qualifications for a real property to
be accepted as collateral?
____________________________________________________________________________
____________________________________________________________________________
 

G. What are the types of securities that may be accepted by the bank?

____ Debt security

____ Equity security

____ Derivative security

____ Hybrid security

____ Others (please specify)

 
H. What are the other kinds of collateral that may be accepted by the bank as security?
(Select all that apply)

____ Real property

____ Equipment

____ Inventory

____ Vehicles

____ Stocks and Bonds

____ Intangible Assets

____ Others (please specify)

III. Pricing for the Interest and Fees

A. What is your current fixed-interest rate?

____________________________________________________________________________
____________________________________________________________________________

B. What are the advantages and disadvantages of floating-interest rate?

____________________________________________________________________________
____________________________________________________________________________
 
C. What is your basis in determining the premium to be added in the prime rate?
____________________________________________________________________________
____________________________________________________________________________
 
D. How many percent of the loan is your compensating balance requirement?
____________________________________________________________________________
____________________________________________________________________________
 
E. How many percent of the average unused portion of the line is your commitment fee?.
____________________________________________________________________________
____________________________________________________________________________
 
F. What are the pros and cons of issuing a letter of credit charges?
____________________________________________________________________________
____________________________________________________________________________
 
G. Aside from the interest, what are the other fees and charges applied in loans?
____________________________________________________________________________
____________________________________________________________________________
IV. Requirements for Loan Applicants and Bank Approval Process

1. What are the requirements needed for the approval of a loan? (Select all that apply)

____ Duly-Accomplished Application Form

____ Valid Government-issued IDs
____ Company IDs, if available
____ Proof of Residence
____ Proof of Income
____ Proof of Employment
____ Bank Reference or Statement
____ Collateral Documents
____ Others (please specify)

1.1. What must be submitted as proof of income if the borrower is locally employed?
_______________________________________________________________

1.2. If the borrower is working abroad?

_______________________________________________________________

1.3. If the borrower is self-employed?

_______________________________________________________________

B. What are the documents the borrower must accomplish once a loan is approved?
1. ______________________ 3. ______________________
2. ______________________ 4. ______________________

C What are the documents the borrower must accomplish once a loan is drawn?
 1. ______________________ 3. ______________________
2. ______________________ 4. ______________________

D. How long does it usually take to get a loan approval at Metrobank?

____ Within the day ____ 3 – 7 business days

____ 1 – 2 business days ____ More than one week

E. What are the basic steps to get a loan approval at the said bank?

1. ______________________________________________________
2. ______________________________________________________

3. ______________________________________________________
4. ______________________________________________________
5. ______________________________________________________
F. Which of the following are the most common reasons for denial of loan applications.
(Select all that apply)
____ Poor credit history ____ Bank’s service capacity
____ Large amount of debt ____ Employment history
____ Irregular income ____ Availability of collateral
____ Incomplete requirements ____ Others (please specify)

V. Lending Officer Profile

A. Name and Position of the Lending Officer

Full Name: ___________________________________________

__

Current position in the company: __________________________

Years of Service: ______________________________________

B. What does a lending officer do on a daily basis?

____________________________________________________________________________
____________________________________________________________________________
 

What are the different roles of a lending officer?

____________________________________________________________________________
____________________________________________________________________________
 
C. What is your most recent formal education?
School/ Institution: ______________________________________

Degree: ________________________

Academic Year: __________________

How has your education prepared you for this job?

____________________________________________________________________________
____________________________________________________________________________

D. What type of job were you doing before you worked for Metrobank?
____________________________________________________________________________
____________________________________________________________________________
 
Have you ever worked at another branch or banking institution? If yes, kindly specify its name
and location.
____________________________________________________________________________
____________________________________________________________________________
 E. What advice can you give to business students who are planning for a financial industry
career?
____________________________________________________________________________
____________________________________________________________________________
 

VI. Background of the Commercial Bank

A. Summary of the Bank's Operations

What are financial services available in Metro Bank?

____________________________________________________________________________
____________________________________________________________________________
 
Does the entity have the following:
1. Transaction monitoring _______
2. Risk management _______
3. Adverse Information screening _______

B. Number of Branches, ATM and Kiosks

How many branches does the bank have?

In Pampanga ______ In the Philippines ________
How many ATM machines does the entity have?
In Pampanga ______ In the Philippines ________

How many Cash-accept machine does the entity have?

In Pampanga ______ In the Philippines ________

Does the entity have any domestic and international subsidiaries and affiliates? If yes, kindly
specify.
____________________________________________________________________________
____________________________________________________________________________

Do you have online banking as well?

____________________________________________________________________________

C. Ranking and Performance

What is your level of customer satisfaction in the following years?

2018 _______ 2019 _______

What is the recent local or international award of the entity?

____________________________________________________________________________
____________________________________________________________________________

D. History

What is the bank’s full legal name? ________________________________________________

What is the full legal (registered) address of the bank? ________________________________

When was the bank established? _________________________________________________

Who was the founder of Metro Bank? ______________________________________________

E. Management
Are the entity’s shares publicly traded? If yes, what rate of the company is publicly owned?
____________________________________________________________________________

How many board of directors does this institution have? _______________________________

Is management decision transparent and explained? __________________________________

What were managers’ performance bonuses usually based on?
_____ By their own performance
_____ By team performance
_____ By establishment performance
_____ I don’t know
_____ No performance bonuses

VII. Bank's Cash and Receivable Management

A. What are the services offered by Metrobank for cash collections and cash disbursements?
(Kindly check all that apply)

1. Cash collection
____ Account reconciliation
____ Advanced web services
____ Armored car services/cash collection
____ Balance reporting
____ Cash concentration services
____ Lockbox
____ Sweep accounts
____ Wire transfer
____ Others (please specify)

2. Cash disbursement
____ Positive pay
____ Armored car services/cash collection
____ Clearing house
____ Reverse positive pay
____ Automated cash handling
____ Zero balance account
____ Controlled disbursements
____ Advanced web services
____ Others (please specify)

B. Among the choices above, what are the most common services availed by companies?
1. For cash collection:
___________________________________________________________________
___________________________________________________________________

2. For cash disbursement:

 ___________________________________________________________________
___________________________________________________________________

C. Among the choices above, what would you recommend?

1. For cash collection:

___________________________________________________________________
___________________________________________________________________

1. For cash disbursement:

___________________________________________________________________
___________________________________________________________________

Signature: _______________________ Date: ______________________

Thank you for your participation.

May the good Lord reward us always.