Bank Analysis, Final Output

Republic of the Philippines
BATANGAS STATE UNIVERSITY

College of Accountancy, Business, Economics and International Hospitality Management
CITE Bldg. Pablo Borbon Main I, Rizal Avenue, Batangas City
THE LANDBANK OF THE PHILIPPINES,

A GOVERNMENT FINANCIAL
epeINSTITUTION
Banking and Financial Institutions

AY 2020 – 2021 | Second Semester
Group Members:
Reyes, Sharry Mae Herrera. - 19-51140
Magsino, Liana Trisha Corona. - 19-52511
Javier, Meriam Corona. - 19-56136
Macalalad, Lord Stepenson Musico. - 19-54733
Section: FINMGT 2101
Ms. Angelica Marie A. Dalisay

Professor
INTRODUCTION
Financial institutions are intermediaries or bridges between the fund sources and fund
users. Financial institutions offer a variety of services to individual consumers as well as
businesses these services includes deposit product loans, and investments. Financial
Institutions provide liquidity to the economy like economic loans, financial interest, and
control and manipulate the money flow, investment and deposits. It also allows the
movements of savings and collecting funds from various person or sources. It provides
many services like financial markets where it continuously changing by offering more
and more products and services. Financial institution serves most people by transacting
and investing any bank. As they are regulated by a central government organization for
banking and non-banking institution, it helps in bridging the gap between savings,
investments, and borrowings. They regulate the monetary supply, banking services,
insurance services, capital formation, and act as a government agent for economic
growth. It serves as financial intermediaries that pools resources and channel funds to
lenders, spenders, and borrowers. As the new corona virus brings disruption, financial
institutions play an important role in the economy by creating a stronger future for
themselves and the community. Banks an credit unions have the opportunity to stabilize
the economy, and continue to commerce by maximizing effectiveness in new working
conditions, building trust through communication, protecting against heightened risk and
fraud, and helping offset the anticipated economic effects. Why financial institution is
important? It provides assistance not only to customers but also helps the economy as a
whole to become more liquid which enables its activities to be at a higher level. Creates
opportunities for customers to grow faster through making transactions, agreements and
investments it works like a channel that connects customers to their chosen products or
services, providing and satisfying their needs financially.
A financial institution is important in every individual especially for a person that need
help to start their businesses specially the farmers and fishermen, with the help of their
services includes deposit product loans that they offer or they approve, they help and
provide needs of a business and it give help also to the country of the Philippines to add
sources of income
Why we choose Landbank? In Landbank, they encourage and support people mostly
through their programs. These programs engage people to develop their capabilities
since most of Landbank's programs care for the development of human capital
especially those in rural areas. Fulfilling its social mandate of promoting countryside
development while remaining financially viable. Focusing on the needs for the agriculture
of the country which also supports a healthy environment. Landbank of the Philippine is
the leading government institution and consistently ranked among the Top 5 universal
banks in terms of loans, assets, deposits and capital. They empowered the countryside
development. It special focus is to serve the needs of the farmers and fishermen and it is
an official depository bank of the Republic of the Philippines. It is also one of the biggest
government-owned and/or controlled corporations in the Philippines. It deposits products
include savings account, current accounts, time deposits, peso earning access and sure
yield checks, and easy dollar pensions. It also offers internet banking services, fund
transfer services and remittance procedures. The government established the Landbank
of the Philippines to provide financial services to a wide array of rural clients and to give
special attention to promoting rural development, assisting small farmers, supporting
rural infrastructure, and providing a variety of services to agrarian reform beneficiaries
(ARBs).It is a government mandated organization that provides responsive financial
services in their different programs and subsidiaries. They help different sector of
industry and different individuals and aiding the agriculture industry which includes
farming, fisheries, forestry
HISTORY
Land Bank was established as

part of the Agricultural Land
Reform Code as part of a
program of land reform in the
1963
Philippines. Presidential Decree No.
27, signed by
President Ferdinand Marcos,
emancipated all tenant farmers
working on private agricultural
Land Bank was in financial lands devoted to rice and corn,
whether working on a landed
distress. It lacked the resources
and the capital needed to
1972
implement the land reform
programs and lacked the structure
to implement the programs
efficiently. On July 21, Marcos
signed Presidential Decree No.
251 which revitalized the bank.
The decree granted Land Bank a
universal banking license (the
1973 The Agricultural Credit
Administration (ACA),
established under the same law as
first bank in the Philippines to be
Land Bank, was abolished and all
issued such a license) with a
its assets and functions
social mission to spur countryside
transferred to Land Bank. ACA's
function was to extend credit to
small farmers. Also in this
1982 year, Union Bank of the
Philippines (UnionBank) was
formed, with Land Bank having a
40-percent stake in the
government-owned commercial
Land Bank became the
financial intermediary for
the Comprehensive Agrarian
Reform Program (CARP). It was
also in that year that UnionBank
1988
started a gradual privatization.
Land Bank's charter was once

again amended. Its authorized
capital was increased to nine
1995 billion pesos and it became an
official government depository.
The number of members of the
board of trustees was also
Land Bank's authorized capital
was once again increased to 25
billion pesos, and it then
increased to 200 billion pesos,
after the DBP-Land Bank merger
1998
-
in 2016. 2016
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COMPANY PROFILE
Logo: Landbank of the Philippines
Landbank of the Philippines “We help you grow” tagline says much about the bank's role
in looking after its customers, while promoting their welfare through focusing on growing
their investments, businesses and savings.
Vision
By 2023, LANDBANK shall be the leading universal bank that promotes inclusive
growth, especially in the unbanked and underserved areas, through the delivery of
innovative financial products and services powered by digital banking platforms.
MISSION
To our Clients and Publics: We provide accessible and best technology solutions to
deliver timely and responsive financial and support services to meet the needs of our
clients, especially Small Farmers and Fishers (SFFs), Micro, Small and Medium
Enterprises (MSMEs), Countryside Financial Institutions (CFIs), Local Government Units
(LGUs) and government agencies, while promoting sustainable development anchored
on good governance. To Our Employees: We will develop and nurture talents that will
exemplify the highest standard of ethics and excellence consistent with the best in the
world
Core Values
Professionalism – Competency, Reliability and Good Judgment

Integrity – Honesty, Transparency and Accountability
Prudent – Thrifty, Cost Conscious and Economical
Excellence – Commitment to outstanding performance
Employees Welfare – Healthy & safety work environment, staff motivation and

productivity.
Landbank of the Philippines have or include some policy to maintain their responsibilities
they commit to act responsibly and ethically to provide protection to their employees,
workers, clients, the community and the environment.
POLICY ON CORPORATE SOCIAL RESPONSIBILITY
I. Policies
Clients
They provide insurance to cover our clients against natural and man-made hazards and
provide the assistance exactly as our contracts stipulate and in a timely manner, when
such hazard occurs.
They provide holistic assistance, by conducting learning events on topographical and

meteorological conditions, including climate change that predispose the hazards, and
educate in the ways of mitigating their causes and minimizing impacts, including
established best practices.
Employees and Workers
They promote equal opportunities for rank-and-file and officers, and prevent
discrimination on grounds of age, sex, gender, ethnicity, religion or physical ability
Community
They engage communities in the continuing enhancement of our services, administrative

and financial processes, and governance practices.
They practice and promote volunteer work and share our knowledge and expertise to the
communities we work with
Environment
They join community efforts for conserving and protecting the environment.
The Landbank of the Philippines employees aim or have duties to serve the citizenry
with utmost responsibility, integrity, loyalty, efficiency, act with patriotism and justice and
lead modest lives specifically they pledge to carry out their responsibilities in a
courteous and respectful manner without regard to race, religion, national or ethnic
origin, gender, political and affiliation.
Landbank of the Philippines organizational structure

LIST OF SERVICES AND PRODUCTS
Working days and hours
Landbank of the Philippines open Monday-Friday 8:30am-2:00pm and their Landbank

ATM is open 24 hours
Deposits in peso
Savings
Minimum Minimum
Name of Minimum
Description Balance to MADB
Product/Service Initial Deposit
Earn Interest Requirement
An interest-bearing
peso savings account
wherein deposit
transactions are made
ATM Savings
over-the-counter and P500 P2,000 P500
Account
through the Cash
Deposit Machine
(CDM) during official
banking hours/days.
A premium savings
account which offers
Easy Savings higher interest rates
P20,000 P20,000 P20,000
Plus (ESP) than a regular savings
account and are tiered
based on ADB levels.
Regular An interest-bearing P10,000 P10,000 P10,000
Passbook peso account which
Savings requires presentation of
a passbook for deposit

Account and withdrawal
transactions.
High Yield
Savings
Account
(HYSA)
Current
Minimum Minimum
Name of Minimum
A non-interest bearing
Current wherein deposit,
Account with withdrawals, and P5,000 P5,000
ATM Access cashless purchase can
be done through
various channels.
INDIVIDUAL INDIVIDUAL INDIVIDUAL
An interest-bearing
P10,000 P10,000 P10,000
peso checking account
Peso E.A.S.Y. (IBCA) wherein
INSTITUTIO INSTITUTIO INSTITUTIO
(Earning deposits are made
NAL NAL NAL
Access & Sure over-the-counter while
P20,000 (for P20,000 (for P20,000 (for
Yield) Check withdrawals are made
private) private) private)
through the issuance of
P30,000 (for P30,000 (for P30,000 (for
a check.
government) government) government)
Peso E.A.S.Y. An interest-bearing P10,000 P10,000 P10,000
(Earning peso checking account
Access & Sure wherein deposit,
Yield) Check withdrawals, and
with ATM cashless purchase can
Access be done through
various channels.
A non-interest bearing
peso account, also
known as Checking or INDIVIDUAL NDIVIDUAL
Demand Deposit P5,000 P5,000
Regular
Account wherein
Current
deposits are made INSTITUTIO INSTITUTIO
Account
over-the-counter, while NAL NAL
withdrawals are made P10,000 P10,000
through the issuance of
a check.
Time deposits
Minimum Minimum
Name of Minimum
A specific amount of
funds in peso which
earns interest at a pre-
determined competitive
Regular Peso
rate for a fixed period of
Time Deposit
time/term with a
“Certificate of Time
Deposit” (CTD) as
proof of deposit.
Loans
Farmers
Minimum Minimum
Name of Minimum
Sulong Saka Aims to provide credit
assistance to farmers
cultivating high-value
crops such as banana,
cacao, coffee, oil palm,
rubber, vegetables,
among others and for
various qualified
stakeholders to support
their production,
processing, marketing
and other agribusiness
projects.
Offers loan funds
toward increasing
investments, creating
new job opportunities,
Agricultural and improving
Credit Support agricultural productivity
Project in the rural areas and
provides credit support
to agriculture and agri-
related projects within a
value chain.
Provides small farmers
Agricultural and
with fishers access to
Fishers
formal credit to finance
Financing
their economic
Program
activities.
Agricultural Aims to provide
Competitivenes necessary credit to
s Enhancement farmers and fisherfolk
Fund (ACEF) and their cooperatives
and associations and
micro and small
enterprises to increase
their productivity; and

to establish an
agricultural lending
program that enhances
competitiveness of
target project
beneficiaries or sectors
especially the small
farmers and fisherfolk.
Aims to make available
financing support for
disaster affected
ARISE-ARBs
ARBs/SFHs and their
Program
families to restore
livelihood and farming
activities.
offers a direct credit
window from
LANDBANK and
integrated support from
the Department of
DA Sikat Saka
Agriculture to small
Program
palay and corn farmers
to improve their
creditworthiness and
the viability of crop
production.
PALAY ng A joint program of
Lalawigan LANDBANK and the
Department of
Agriculture (DA) that
aims to assist
provincial/city/municipal
local government units
(LGUs) purchase the
palay produced by local

farmers to help cushion
the effects of the drop
in the farm gate price of
palay in the regions.
Aims to encourage
community participation
in government
contracts through the
Enhanced provision of credit
Partnership services to qualified
Against Hunger organizations for the
and Poverty said community to be
able to service the
needs of participating
government agencies
in the EPAHP.
Aims to provide
financing support to the
SWINE swine industry to help
Lending secure the country’s
Program food security,
particularly on the
supply of pork.
It aims to encourage
the youth to engage in
Young
viable and sustainable
Entrepreneurs
agricultural and
from School to
agribusiness projects,
Agriculture
this program will help
Program
equip them with capital
and skills.
A collaborative
RAPID Growth
undertaking by the
Credit Facility
LANDBANK and DTI
that aims to increase

the income of small
farmers and
unemployed rural men
and women.
For fishers
Minimum Minimum
Name of Minimum
Offers loan funds
toward increasing
Agricultural investments, creating
Credit Support new job opportunities,
Project and improving
agricultural productivity
in the rural areas.
Provides small farmers
Agricultural and
with fishers access to
Fishers
formal credit to finance
Financing
their economic
Program
activities.
It is anchored on the
business relationship of
institutional buyers or
processing/canning
Pagsasakang companies, linked with
Pantubig small fishers, or micro,
small and medium
enterprises (MSMEs)
which serve as their
growers or suppliers.
Financing Aims to provide credit
Program for assistance to existing
and/or prospective
commercial fishing
operators in acquiring
fishing vessels for
Commercial domestic or overseas
Fishing Vessel use in consonance with
the policy of the
government to
liberalize vessel
acquisitions.
Loans (Housing and Mortgage)
Minimum Minimum
Name of Minimum
Helps you buy or
construct your dream
house. It also allows
existing homeowners to
Easy Home refinance their current
Loan and existing home loan
from other banks or
financing firms or
developers' in-house
financing.
Developer's Helps you buy or
End-Buyers construct your home
Financing Tie- through an accredited
up developer. It also helps
developers grow their
business by supporting
their housing projects
or financing their
client's home
acquisition or
construction, after an
accreditation process.
Allows OFWs to
Bahay para sa acquire, build or
Bagong Bayani renovate their own
(3B) homes at relaxed and
flexible terms.
Loans (Business)
Minimum Minimum
Name of Minimum
We finance your
Term Loan
business' capital
Facility
expenditures.
Working Capital
We help you and your
and Liquidity
business in your daily
Support
business operations.
Facilities
Exporters
Production We support your export
Support business operations.
Facilities
Aims to assist farm
tourism operators to
develop farm tourism
Farm Tourism camps or activities that
Financing allow visitors to
Program experience and enjoy
farming or fishing
through education and
recreation or leisure.
With credit assistance,

OFW you can now put up
Reintegration and run your own
Program business as an
(OFW-RP) alternative to your
overseas employment.
In partnership with the
Technology Application
Innovation and
and Promotion Institute
Technology (I-
(TAPI), funds the
TECH) Lending
commercial production
Program
of patented Filipino
inventions.
Aims to provide
additional funds and
I-RESCUE
loan restructuring under
LENDING
more flexible terms and
PROGRAM
conditions to eligible
borrowers.
Aims to provide
financing to Public
I-RESCUE
Utility Bus (PUB)
BUS Lending
operators for the
Program
acquisition of modern
PUBs.
SPEED PUV Aims to harmonize
Loan Program LANDBANK financing
requirements with the
Department of
Transportation
(DOTr)/Land
Transportation
Franchising and
Regulatory Board
(LTFRB)/Land
Transportation Office
(LTO)/ Maritime
Industry Authority
(MARINA)'s regulatory
requirements resulting
from the streamlined
process of acquiring
essential documents
leading to the award of
franchise.
Offers a short-term
working capital loan to
eligible partner financial
institutions (PFIs) which
have established a
satisfactory credit
relationship with
PFI-ACCORD LANDBANK. The
program veers away
from the standard
lending parameters and
gives value to long-time
partnerships viability,
and creditworthiness of
the Bank’s PFIs.
Lending
Loan for those people
Program for
who were once a rebel.
Former Rebels
Cards
Minimum Minimum
Name of Minimum
An interest bearing
wherein deposits
transactions are done
over the counter or thru
cash deposit machine
ATM Savings
(CDM), while P500 P500 P500
Account
withdrawal transactions
are done via
Automated Teller
Machines (ATM) 24
hours a day, seven
days a week.
An electronic debit card
that utilizes the stored
value system and like
LANDBANK
the ATM Card,
Cash Card
operates on magnetic
stripe technology with
PIN-based protocol.
Provides the means for
the cardholder to
conveniently and safely
make cashless
LANDBANK
purchases from
Credit Card
Mastercard accredited
merchants and/or
facilitate cash
advances.
LANDBANK Allows you to shop
EMV - enabled online, pay bills, and
Visa Debit Card purchase over the
phone and via mail.
The card can be used
at over 40 million
merchants and over

two million ATMs
worldwide where the
Visa logo is displayed.
A full function ATM
deposit account that
doubles as company
identification (ID) card
for private and
LANDBANK e-
government institutions.
Card
The E-Card can be
customized to fit the
clients’ design and
functional
requirements.
A chip – embedded
indentification card with
RFID (Radio
stored personal
Frequency
information
Identification
incorporated in any of
Card)
the Bank’s card
products.
An EMV-enabled,
LANDBANK
contactless and 3D
Mastercard
secured with 5-year
Prepaid Cards
validity.
E-Banking
Minimum Minimum
Name of Minimum
Is an alternative
iAccess banking channel
designed for individual
customers, which
provides a convenient,
reliable, and secure
delivery of banking
services via the
Internet.
A new electronic-based
salary loan product of
LANDBANK that offers
eligible employees of
government agencies
and private institutions
with a facility to apply
for salary loan, inquire
Electronic loan details, inquire
Salary Loan loan payment history
(eSL) and conduct loan
payment through
LANDBANK’s
electronic banking
channels such as the
Mobile Banking
Application (MBA) and
receive notifications
through SMS or email.
Is an alternative
delivery channel that is
secure and convenient,
and allows ATM and
LANDBANK
current account holders
Phone Access
to do self-service
banking transactions
through the use of a
phone.
LANDBANK A free application that
provides users with

convenient access to
LANDBANK’S wide
Mobile Banking
array of services
App
through your
smartphones anytime,
anywhere.
Treasury Products
Minimum Minimum
Name of Minimum
A debt instruments
issued by the Republic
of the Philippines or
Government
any of its
Securities
instrumentalities to
finance public
expenditures.
A long-term negotiable
certificate of time
LANDBANK deposit indicating an
Issues amount of bank
indebtedness with a
designed maturity.
A debt instruments
issued by public or
Corporate
private corporations to
Securities
finance their
operations.
Trust Products and Services
Unit Investment Trust Fund

Minimum Minimum
Name of Minimum
Designed specifically
for investors who aim
Money Market for high liquidity and
Fund minimal risk but with
decent returns on their
capital.
Offers investors a
relatively liquid
investment while
providing potential
Money Market higher income from a
Plus Fund portfolio of short term
bonds and fixed-
income securities with
less than one year
duration.
Suited for investors
with moderate risk
appetite and with a
Bond Fund
medium term
investment horizon (3 -
5 years).
Ideal for investors who
are willing to take risks
for potential higher
returns.
Funds are invested in a
Growth Fund
diversified portfolio of
peso-denominated
listed stocks and
tradeable fixed-income
securities.
Designed for investors

who are willing to take
higher levels of risks in
order to avail of the
potential higher
Equity Fund investment returns
offered by the equities
market, minus the
hassles of monitoring
and analyzing each
stock.
Designed for investors
with moderate risk
appetite who are
looking for a relatively
Global $ Fund
liquid investment with
potential higher returns
for their US dollar
denominated funds.
Investment Management Account
Minimum Minimum
Name of Minimum
Investment Clients gain access to
Management different financial
Account (IMA) markets without the
need to transact with
different brokers or
counterparties. Their
funds are prudently
managed by
LANDBANK’s
seasoned traders
guided by sound
fundamentals and
trading policies.
Personal Fund Management Arrangements

Minimum Minimum
Name of Minimum
A type of arrangement
that is ideal for those
who wish to preserve or
Personal
earn from their assets P100,000 or
Management
to answer for the $2,500
Trust
current needs or for the
future use of the trustor
or his beneficiaries.
An agreement
established between a
client (trustor) and
LANDBANK Trust Build-up
Banking Group (TBG) :
Personal with the purpose of P500,000 or
Retirement providing for the $2,500
Trust Account retirement needs of the Lump-sum:
trustor upon his P2,000,000.o
retirement or his r $50,000
designated
beneficiaries upon the
trustor’s death.
Living A trust arrangement P1,000,000
Insurance Trust wherein the Trustee is
appointed to manage
and disburse the
proceeds of the
assigned life insurance

policy of the Trustor for
the best interest and in
behalf of the
designated
Beneficiary/ies.
Institutional Trust Services

Minimum Minimum
Name of Minimum
Acts as an impartial
third party who will
intervene or safeguard
Escrow Agency your contracts involving
money, securities,
property titles or
documents.
Employee
Help you build stability
Benefit
for your employees with
Administration
confidence and ease.
Services
Holds a pool of
properties, real estate
and/or chattel mortgage
in behalf of creditors.
Mortgage Trust Mortgage Participation
Indenture Certificates are issued
to represent the
proportionate share of
creditors on the
collateral pool.
Facility and Appointed as such to
Loan/Paying centralize the
Agency monitoring and the
administration of the
Notes Facility, ensuring
that payments due
under the Notes are
settled promptly,
reports are submitted
as stipulated in the
Agreement and to a
certain extent, ensures
that terms and
conditions of the
Agreement are faithfully
complied by all parties.
An entity used in asset-
backed securitization
wherein an institution
(the originator) is able
to access alternative
Special
financing by selling its
Purpose Trust
assets or cash flows
coming from its
receivables to the SPT
through a true sale and
without recourse basis.
Personal Equity & Retirement Account - unit Investment Trust Fund (PERA-
UITF)
Minimum Minimum
Name of Minimum
LANDBANK Aims to provide high
PERA Money liquidity and decent
Market Fund returns from short-term
and flexible
investments with less

than one year duration,
with minimal risk on
capital.
Aims to generate
steady stream of
LANDBANK income through
PERA Bond investments in a
Fund diversified portfolio of
peso-denominated
fixed-income securities.
Aims to generate a
relatively higher income
through investments in
LANDBANK
Dollar-denominated
PERA Global $
fixed-income securities
Fund
by the National
Government and by
local companies.
Landbank of the Philippines is a government institution, we are open to join and

experience their products and services that they offered, in the below are the process
and some information on how to open and close an account.
1. How to enroll in Landbank IAccess?

There are two ways to apply for the Landbank iAccess online banking, online or at
the nearest Landbank branch. All individual depositors excluding passbook
accounts are eligible to enroll in Landbank iAccess facility.
Online Enrollment
This option is applicable only to ATM accounts and limited to non-monetary transactions
only. It means you can only use it to view your account balance and transaction details,
inquire about the status of the check/s you issued and report your lost/stolen ATM card.
Hence, you cannot use it to pay bills and transfer funds to another account. To enroll
online, follow the instructions below.
1. Using your smartphone or computer, go to the Landbank iAccess portal through this
URL: https://www.lbpiaccess.com
2. On the landing page, click the Enroll Now link at the upper-left corner of the screen
(assuming you are using a computer).
3. Read the terms and conditions, scroll down to the bottom using the scroll bar then
click the “I Agree” button.
4. Fill-out the application form properly. Those items marked with an asterisk (*) are
required. You can type in n.a. if these items are not applicable. Do not forget your
answers to the security questions. For the JAI or the Joint Account Indicator, enter “0” for
single/individual account, “1” or “2” for joint account.
5. Review all the information you’ve entered then click the Confirm button to continue to
the next step.
6. You will now be redirected to a page telling you that you’ve successfully enrolled for
the Landbank iAccess.
Landbank Branch Enrollment

Enrollment through your local Landbank branch is applicable to both ATM and Current
accounts. Unlike the online application method, you can use it for non-monetary or
monetary transactions or both. It means you can also pay bills and transfer money to
other accounts using the Landbank iAccess online banking facility. To enroll, follow the
steps below:
Go to the nearest Landbank branch and bring a valid ID, landbank ATM card, and
your account number.
Proceed to the New Accounts section and tell the officer that you want to apply for
the Landbank iAccess. He/she will give you a Landbank iAccess Enrollment and
Maintenance Agreement (LI-EMA) form. If you have multiple accounts in
Landbank, you can access them through a single iAccess account.
Submit the duly-accomplished and signed LI-EMA form to the officer.
He/she will now process the form and other documents then will tell you the date of
activation of your iAccess account. Just wait and follow the officer’s further
instructions.
Bank transactions have never been easier with the Landbank iAccess internet banking.
You can now pay bills, view the account balance, and transfer funds with just a click of a
mouse. Keep in mind that only individual or joint “or” accounts can be enrolled for fund
transfer transactions. Joint “and” accounts are limited to viewing or non-monetary
transactions only. Fund transfer is likewise limited to LANDBANK ATM Accounts
(Savings & Current) and Regular Current Accounts only. Fund transfer transactions to
other banks are not yet available as of this moment.
In the below is some additional information about Landbank product and services and it
include here the process on how to use it.
(FAQS LANDBANK VISA DEBIT CARD)

1. What is the Landbank Visa debit card?
The LANDBANK Visa Debit card is the new and innovative product by LANDBANK
which allows you to purchase from over 30 Million Visa merchants withdraw from 1.9
million ATMs worldwide. The LANDBANK Visa Debit card replaced the LANDBANK
ATM card which could only allow Philippine withdrawals and has no swiping facility.
2. Where can I avail Landbank Visa Debit Card?
Just open a savings or checking account at any LANDBANK branch and you can
instantly get your LANDBANK Visa Debit card on the spot! For your convenience,
LANDBANK can process and issue your card at the branch, which means no waiting
or returning to the branch to get your card.
3. Where can I use my Landbank Visa debit Card?
Like a credit card, you can now use your LANDBANK Visa Debit card in any
merchant which accepts Visa. Apart from local merchants such as SM, Rustan’s,
Mercury Drug, Petron, Robinson’s Supermarket, Starbucks and the like, you can
use your LANDBANK Visa debit card in over 30 Million Visa accredited stores
worldwide. Think of international brands such as Nike, Apple, Samsung, Shell,
LV and you are sure that these stores will accept your LANDBANK Visa Debit
Card.
Aside from using your Debit card to swipe, you can also use it to purchase goods
online! Just like a credit card, one can just input the card details as asked on the
online store such as iTunes, and the purchase will be completed in a matter of
seconds. So from now on, you can use your Debit card to purchase airline
tickets such as Cebu Pacific or PAL and any international airline. You can also
buy songs from iTunes or book at hotels from Agoda or buy cinema tickets from
SM!
What are the benefits of using Landbank Visa Debit Card?
The basic benefits are convenience, access and security. With your LANDBANK
Visa Debit card, you can don’t have to bring cash which may be stolen from you.
You can simply swipe to purchase and off you go! Previously, your ATM card
could not purchase online but today you have access to millions of online stores
worldwide. Also, you can now withdraw from millions of ATMs around the world.
What limits and fees apply?
These are the limits for the following transactions:
Type of Transaction Maximum Limit Per Card Per Day Purpose
Daily LANDBANK Visa Debit Purchase P30,000 In-store, online, phone, mail,
and overseas purchases
Daily Cash Withdrawal P30,000 ATM cash withdrawals here and overseas
Withdrawal and balance inquiry from LANDBANK ATMs is free but some fees and
charges apply for the following transactions:
Annual Card Fee N/A

Card Renewal Fee Free
Lost/Stolen/Damages Card Replacement Fee P150
ATM International Balance Inquiry P50
ATM International Cash Withdrawal P150
*Applicable fees may be charged for all International/Cross Border Transactions
(FAQS LINK.BIZPORTAL)
1. What is the LANDBANK Link.BizPortal (LBP)?
LANDBANK Link.BizPortal is an ePayment facility that allows clients to pay for products
and services via the internet. Through this new service, the client avoids the hassle of
lining-up and waiting for hours just to pay for their transactions.
2. Is the LANDBANK Link.BizPortal available outside the Philippines?
Yes. LANDBANK Link.BizPortal may be accessed anywhere in the world with the
presence of an internet connection to perform online payment transactions.
3. How can the client access the LANDBANK Link.BizPortal?
The LANDBANK Link.BizPortal may be accessed in 3 ways:

LANDBANK Link.Biz.Portal link located at the eBanking menu of the LANDBANK
website via www.landbank.com;
LANDBANK Link.BizPortal link located at the Merchant’s website that shall redirect
the client to the LANDBANK Link.BizPortal; and
LANDBANK Link.BizPortal website via https://www.lbp-
eservices.com/egps/portal/index.jsp
B. Enrollment
1. Does the client need to enroll to use LANDBANK Link.BizPortal?
No enrollment is required from the client.
2. Who are qualified to pay in LANDBANK Link.BizPortal?
Individuals or companies who have LANDBANK Peso ATM Savings and Current
Accounts
3. Can the client pay for another person’s transaction?
Yes. The client can use his account to pay for another person’s transaction by indicating
the person’s details he/she is paying for in the Transaction Form.
C. Features
1. How much is the cost for the client to use the facility?
A minimal transaction fee as determined by LANDBANK and the partner- merchant, if
applicable, shall be borne by the client.
2. What is the proof of a successful transaction?

A Debit Confirmation Slip of LANDBANK Link.BizPortal and/or email confirmation for
every successful transaction may be printed.
a) When can I use the LANDBANK Link.BizPortal?
LANDBANK Link.BizPortal may be accessed from 12:01AM to 11:00PM, Philippine
Standard Time (PST), 7 days a week including holidays, subject to service periods,
maintenance time, computer, telecommunication, electrical or network failure, and/or any
other reasons beyond the control of the Bank

b) What type of device/s needed to access the LANDBANK Link.BizPortal?
Any computer or mobile device with an internet connection may be used to access the
LANDBANK Link.BizPortal, which is inter-operable across payment platforms such as
browsers and operating systems.
LANDBANK Link.BizPortal supports the following browsers:
At least Internet Explorer 11.0 version
Safari (for Macintosh computers)
Google Chrome 18.0 or latest version
Mozilla Firefox 26.0 or latest version
Opera
D. Concerns and Problems Encountered

1 .What should I do when I encounter problems using LANDBANK Link.BizPortal?
If the FAQs do not address your particular problem, you may call the concerned partner-
merchant, your LBP originating branch, or the LANDBANK Customer Care Center at
(632)405-7000.
(FAQS OVERSEAS FILIPINO Bank Landbank)
1. What is the overseas filipino Bank?

● The Overseas Filipino Bank (OFBank), a digital-only and first branchless
government Bank, is a wholly-owned subsidiary of Land Bank of the Philippines
(LANDBANK).
● OFBank was created to cater to the banking and financial requirements of
overseas Filipinos, Overseas Filipino Workers (OFWs), and their beneficiaries.
Following its special mission, OFBank is dedicated in providing reliable and
secure financial products and services to meet these requirements, including the
delivery of quality and efficient foreign remittance services.
2. Where are Ofbanks branches located?
● Since OFBank is a digital-only and branchless government bank, it does not
have a physical branch. All of its features such as account opening or fund
transfers can be accessed online through innovative platforms—the OFBank
Mobile Banking App and OFBank official website (https://www.ofbank.com.ph) for

the delivery of faster and more convenient transactions anywhere in the globe.
However, LANDBANK branches may accommodate the following transactions:
● Claiming of ATM/Debit Card

● Replacing of ATM/Debit Card
● Deposit of Checks and Cash (for areas without LBP Cash Deposit Machine)
● Withdrawal exceeding P50,000.00
3. What types of accounts does Ofbank's offer?
● OFBank offers the following ATM Savings Accounts for Overseas Filipinos,
OFWs, and their beneficiaries:
● OFBank Visa Debit Card for Overseas Filipinos and Overseas Filipino Workers
● OFBank Visa Debit Card for Beneficiaries
● OFBank Regular Debit Card for Beneficiaries (for customers below 18 years old,
but at least 7 years of age)
4. How can I open an account?
● To open an OFBank account, simply download the OFBank Mobile Banking App
via Google Play or App Store and follow the steps provided for account opening.
● You shall receive a confirmation on the OFBank Mobile Banking App and via
email once your account opening is completed successfully.
● For a detailed step-by-step guide in opening your account, view FAQs for
“Overseas Filipino Bank (OFBank) Digital Onboarding System with Artificial
Intelligence (DOBSAI).”
5. What are the requirememts for opening an account?
● Before opening an account through the OFBank Mobile Banking App, make sure
your internet connection is secure and be ready with your active email address
and active mobile number.
● Have one (1) of the following valid identification (ID) cards on-hand for scanning
and verification purposes:
For Overseas Filipinos and Overseas Filipino Workers:
-Passport
-UMID
-PRC ID
For Beneficiaries:
-Company ID
-Driver's License
-GSIS
-OFW ID
-OWWA ID
-Passport
-Postal ID
-PRC ID
-School ID
-Senior Citizen ID
-SSS
-UMID
-Voter's COMELEC ID
● Reminder: Ensure that the details you will provide in the application match the
details in your selected ID
6. Do i need to submit a hard copy of my supporting document/ identification ( ID
card )?
● No. You will only be submitting your supporting document/ID online through the
OFBank Mobile Banking App. During the account opening application process,
you will be asked to capture a valid, photo-bearing document or ID from the list
provided above, in the OFBank Mobile Banking App. This will serve as the
supporting document required to complete your application.
● OFBank Mobile Banking App utilizes Digital On boarding System Artificial

Intelligence (DOBSAI), a mobile banking deposit account opening facility which
facilitates real-time account opening by employing image recognition technology
that captures and uploads your facial image, which will be compared against the
photo in your identification (ID) card.
7. How can I transfer funds to ny beneficiary's OFbank's or Landbank Account?
● Transferring funds to your beneficiary’s OFBank ATM or LANDBANK account
can also be done via the OFBank Mobile Banking App, free of charge.
8. What should I do if my card got lost/stolen?

● Immediately report the incident to our Customer Care Hotline at (+632) 8-405-
7000 or at PLDT Domestic Toll Free, 1-800-10-405-7000. You may also send an
email at customer.care@mail.ofbank.com.ph.
● You may also have your card immediately blocked through the iAccess online
banking facility: https://www.lbpiaccess.com/ by following these steps:
● Log in with your OFBank Mobile Banking App User ID and Password.
● Click "Report of Lost/Stolen ATM Card" under "Features" found at right side
panel of the screen.
● A system generated acknowledgement number will be shown onscreen as
reference of your successful card blocking.
● You may temporarily block the usage of your card for domestic/international
transactions through the MOBILOCK feature of the OFBank Mobile Banking App
9. How can I get May OfBank or ATM card?
● Visit any LANDBANK branch near you, then proceed to the New Accounts
Counter. Present the ID you uploaded in the DOBSAI, and answer basic Know
Your Customer (KYC) questions.
10. How do I unlock and reset my OFBank Mobile banking Password?
a. Click "Unlock your iAccess ID?" from https://www.lbpiaccess.com/
a. Enter your OFBank Mobile Banking App User ID and click Submit.
b. Enter the One-Time PIN (OTP) to be sent to your registered email address. The
OTP is valid within the next 30 minutes from the time of request. Once expired,
click "Re-generate OTP".
c. Answer the Challenge Questions (nominated upon enrollment).
Note:The answer to the Challenge Question should be within the required
parameters such as the following:
● Maximum of 15 characters. Please disregard any character in excess of the limit.

● Spaces, commas (,) and periods (.) are recognized by the system and are also
counted as characters.
● The answer to the Challenge Question is NOT case sensitive.
a. Once your account has been unlocked, you may log back in using your most
recent Password.
d. Otherwise, click "Forgot your Password" from the iAccess home page.
e. Enter your User ID then input the OTP sent to your registered email address.
f. Answer the Challenge Questions.
g. Set your New Password.
DISCUSSION OF INTERVIEW CONDUCTED
Question 1: What is your name and position in Landbank if any?
Answer: I’m Jenna Maria C. Baraquel, Customer Associate
Question 2: How many years have you been working in Landbank?
Answer: Almost 2years and 2months
Question 3: Describe your job description
Answer: Acts as a front line; attends to various queries and requests relating to
opening/closing of accounts and various online bank products and remittances.
Responsible for verifying and certifying the authenticity of signatures and documents.
Receives and handles cash and/or check deposits and payment and maintains an
updated record of various Bank transactions, including incoming
Question 4: How do you Value This bank or the landbank?
Answer: Because of its mission to the public and that is to serve, help and support
people especially the unbanked area. I still remember how client would say "Thank you"
and then smile to us whenever we provide them our service as well as helping them with
their concerns and queries.
Question 5: Why do you think LBP is having a good quality in terms of customer’s
service?
Answer: Landbank makes sure that its clients will be served with the best effort that we
can provide. Also when it comes to facing problems e.g. technology problems with our
online facilities we make sure that it will be resolve as soon as possible. We also
conduct maintenance activity to avoid encountering such problems.
Question 6: Rate 1-10 on how do you recommend LBP to the students and why?
Answer: I would rate it a 9. Students nowadays are well knowledgeable with regards to
the current trend and technologies. Also most students open their accounts because of
their allowances as well as their scholarships. There would be times where students
would be busy with their academics that they may not have enough time to visit the bank
or any atm so having digital banking (I-Access), it would be convenient for them to see
their balances with just one tap on their phones. They can also pay their tuition fees
through our online payment facilities given the fact that their school has a partnership
with LandBank. It is also easier to pay their bills if they have any through our online
facilities.
Question 7: Rate 1-10 on how would you recommend the LBP in terms of opening an
account?
Answer: 9 LandBank has a low maintaining balance of Php 500. For those people who
cannot afford such high maintaining that others offer. Also it is easy to open an account
if you have completed the basic requirements upon opening and as I have said already
we have online facilities that you may use so that you don't have to go to the bank just to
see your balances or transfer funds to other people.
Question 8: What is the most significant advice you will give to the financial student, like
us?
Answer: Being a financial student means that you have to impose what you have
learned in your daily life. Examples are savings, budgeting, and investing. You may have
seen a lot of posts on social media reminding that you have to invests early or have a
savings of certain amounts, it is true but you have to remember that we all have our own
pace. Right now you may not be able to accomplish such things as for the lack of
financial capacity but soon you will get there. If you put your mind into it paired with
discipline, dedication and determination you will see yourself already achieving your
dreams
Question 9: What LBP do to keep the clients loyalty?
Answer: One of the factors why clients stay with a company/bank is for the experience
that they've had while having a transaction with the bank. I can say that with the
excellent customer service that the bank provides to its clients as well as the facilities
that they can use that LandBank have continuously improving, client's would be satisfied
and would be loyal to the bank
Question 10: What are the product/services that the best to offer to us as a student?
Answer: For students who are just starting to save, they can avail for the Visa ATM
Regular Savings Card that has only a 500 maintaining balance they can serve as their
atm as well as a visa that they can use for their local and international purchases or
transactions. Prior to opening, they can also apply for the online banking facility which is
the I-Access to easily monitor their transactions.
INSIGHT/LEARNINGS
Reyes, Sharry Mae H.

In the interview that we conducted, I am overwhelmed and at the same point I enjoyed
reading her answer according to our question that we gave. As a customer’s associate
or as an employee it is important to value your customers and give your best to give the
good quality of services to keep their loyalty and in that case as an employee it is happy
to see the smile and the satisfaction of each customer and I can see to Ms. Baraquel
she love her job, her loyalty is in her job in terms on how she explain and answer the
question and as a employee of her bank she offer and give her best service for the
customers and it is very Important because the employee is the one who create the
good name of a company on how they work, on how they communicate and
accommodate the customers that will lead a different result that have an effect to the
company’s image. I noticed also that nowadays each company, business or bank have
different strategy to give the faster and easy way to connect to their customers and to
give better services in terms of technologies like Ms, Baraquel said that Landbank have
digital banking (I-Access) that student or each individual help to have easy transaction
between to their accounts and the other is Landbank give an affordable way to open a
account that it very helpful specially to the student who want to start saving money and
as a student or a person it is important to save money early and be more practical in
terms of money and I agree with Ms. Baraquel said that we need to learn in every
experience what we encounter our every day life, impose it and use it in the right way
that will lead you to the success. “If you put your mind into it paired with discipline,
dedication and determination you will see yourself already achieving your dreams” this
word from Ms. Baraquel I will use it as my motivation and inspiration as a person who
have dreams and dedication to be become stable or success.
In this paper I learned a lot, I learn about in life and also I able to use my knowledge in
our subject in financial Management like in choosing LANDBANK as a Government
institution, this bank focus or give more focus to the need of agriculture like fishermen
and a government institution LANDBANK have its responsible or goals to provide
financial services for developing specially the rural areas.
Magsino, Liana Trisha C.

Through reflecting about the learnings from the interviewer, I I was able to understand
how responsible they are in handling any amount of cash, payments, and cheques. Also,
they are capable to serve, help and support the people in time of needs. They focused in
the vision and mission of the Landbank where they make sure that its clients will be
served with the best effort that they can provide especially to the unbanked area. This
interview makes me realized how bank run in our industry. How they provide a good
service especially to those people who cannot afford high maintaining balance of an
account to save their money. I've learned a lot of things like other offer of this bank, how
ATM is important to all students nowadays. I have procured lots of information as
students in any aspects as a learner. I've also understand how they work on a bank and
how they process all checks inside the bank. In general, an interview to an employee in
LBP has a big impact to my future career. It makes me understand and know more
things as I step in closer to my dream career as an employee of a bank in the
Philippines. I am now more aware how a bank serves other offer to make things better
as money grows and save in a safety hand of every banking company in the Philippines.
Javier, Meriam C.
Based from the interview conducted, I have learned that during those gloomy shifts,
sometimes, all we need is some words of wisdom and inspiration to remind us. There’s a
reason “thank you” is one of the magic phrases we all learn in kindergarten. Showing
appreciation isn’t merely a matter of good manners. It acknowledges kindness and helps
strengthen bonds between people. After all, a happy employee makes for a happier
customer and, overall, a more positive interaction. I also learned that banks give us a
chance to make a lot, even when we don’t have a lot. Money can always grow over time.
Once we have it saved in the right places, it’ll come in handy when we need it most.
Without a bank, we might keep all of our money in the form of cash or real property.
There are other ways to store wealth other than bank accounts, but banks are the most
convenient option. The quickest way to access our money, other than keeping it in our
pocket, is to have it in a bank account. So that we choose LandBank because it has
easy access to cheap and more stable sources of funds, whereas private banks have to
work hard to mobilize funds.It cannot be denied that Landbank has some undue
advantages over private universal and commercial banks in investment and commercial
banking business. LANDBANK's contribute a better, safer and more progressive society,
redounding to an improved quality of life for people of the present and future
generations.
Macalalad, Stepenson
Based on the interview conducted, I have learned that working as a Customer Associate,
it is necessary to be more careful as possible. Since being the one who receives the
client's information and other details, it is important to maintain focus on the client's
inquiries and concerns that needed good critical thinking and decision-making in order to
control the flow of the transaction. In addition, I have realized that receiving a simple
gratitude from the client is one of a kind reward they cherish.
REFERENCES
(n.d.). Land Bank of the Philippines | Home. https://www.landbank.com/

About us. (n.d.). Land Bank of the Philippines. https://www.landbank.com/about-us
APPENDIX
Date of interview: May 17, 2021


Bank Analysis, Final Output

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Republic of the Philippines

BATANGAS STATE UNIVERSITY

THE LANDBANK OF THE PHILIPPINES,

Banking and Financial Institutions

Reyes, Sharry Mae Herrera. - 19-51140

Magsino, Liana Trisha Corona. - 19-52511

Javier, Meriam Corona. - 19-56136

Macalalad, Lord Stepenson Musico. - 19-54733

Section: FINMGT 2101

Ms. Angelica Marie A. Dalisay

Land Bank was established as

Land Bank's charter was once

This figure shows the awards that Landbank Philippines receive

Logo: Landbank of the Philippines

Professionalism – Competency, Reliability and Good Judgment

Integrity – Honesty, Transparency and Accountability

Prudent – Thrifty, Cost Conscious and Economical

Excellence – Commitment to outstanding performance

Employees Welfare – Healthy & safety work environment, staff motivation and

POLICY ON CORPORATE SOCIAL RESPONSIBILITY

They provide holistic assistance, by conducting learning events on topographical and

Employees and Workers

They engage communities in the continuing enhancement of our services, administrative

Landbank of the Philippines organizational structure

LIST OF SERVICES AND PRODUCTS

Working days and hours

Landbank of the Philippines open Monday-Friday 8:30am-2:00pm and their Landbank

a passbook for deposit

their productivity; and

palay produced by local

that aims to increase

Loans (Housing and Mortgage)

With credit assistance,

merchants and over

provides users with

Trust Products and Services

Unit Investment Trust Fund

Designed for investors

Investment Management Account

Personal Fund Management Arrangements

assigned life insurance

Institutional Trust Services

investments with less

Landbank of the Philippines is a government institution, we are open to join and

1. How to enroll in Landbank IAccess?

online, follow the instructions below.

Landbank Branch Enrollment

(FAQS LANDBANK VISA DEBIT CARD)

Annual Card Fee N/A

The LANDBANK Link.BizPortal may be accessed in 3 ways:

2. What is the proof of a successful transaction?

other reasons beyond the control of the Bank

D. Concerns and Problems Encountered

(FAQS OVERSEAS FILIPINO Bank Landbank)

1. What is the overseas filipino Bank?

Mobile Banking App and OFBank official website (https://www.ofbank.com.ph) for

However, LANDBANK branches may accommodate the following transactions:

● Claiming of ATM/Debit Card

● OFBank Mobile Banking App utilizes Digital On boarding System Artificial

8. What should I do if my card got lost/stolen?

● Maximum of 15 characters. Please disregard any character in excess of the limit.

DISCUSSION OF INTERVIEW CONDUCTED

Question 1: What is your name and position in Landbank if any?