FA B M 2

L I E Z L F. R O J A S
PR E L I M I N A R I E S
REVIEW
What are the 5 Financial Statement & How these
Financial Statement related to one another?
Consumer Buying Behavior
Are you a buyer/consumer? If yes Who are you
as a Buyer?
Instruction!
• You group yourselves based on the type of buyer (GROUP 1, 2 or 3)Think/Reflect the
product/ items you wanted to buy and write it in their paper basket.
• Identify the money you will be using to buy this stuff. Is it from your parents, own
savings or you will borrow it.
• Each member will share to the group, the stuff they wanted to buy & say where they can
get the money and ask for representative to share it to the class
4. After the presentation the other group will give reaction to the other group base on the
given rubrics
 You go to GROUP based on this criteria
Group 1- Information Search (need to ask first about the quality and price of the
product) “Mapagtanong na mamimili”

Group 2- Evaluation of Alternatives (they try to make an option especially if the

price is too high or the brand is not known) “ Baka may mas MURA at
Maganda pa kaysa dito sa product”

Group 3- Purchase Decision (actual buying, no need to ask just GET the
product then PAY” Madaling bumili basta may PERA”
PRESENTATION
Direction:
1. In your group remember the slogan/ tagline of the Leading Bank in the Philippines
https://www.bsp.gov.ph/Statistics/Financial%20Statements/Commercial/assets.aspx (as of
June 2023)
2. Make a logo of these banks using the colored paper
3. Each group will POST the finished logo in the board and read the slogan or tagline with
convincing power to encourage depositor to invest in that bank.

1. Banco De Oro (BDO)

2. Land Bank of the Philippines (LBP)
3. Bank of the Philippine Island (BPI)
 Processing Question:
1.How these banks earn profit?
2.What are the strategies they need to do convince
depositor to deposits money in their bank?
3.Why businesses needs bank?
REFLECTION
Definition
Group1: Define Type of Bank Accounts normally maintained by a business

Which bank?
Group 2: Create a podcastabout the advantages/ benefits of choosing the bank

Significance
Createa vlog about the significance of the bank account in the business
A bank account is a financial arrangement or a type of account provided by
a bank or financial institution where an individual or business can deposit
and store their money. These accounts serve various purposes, including
daily spending, saving, earning interest, or even managing specific financial
transactions.
 Here are some common types of accounts used by businesses:

• Business Checking Account

• Purpose: Used for day-to-day business transactions, such as
paying bills, making purchases, and receiving payments.
2. Business Savings Account
• Purpose: Used for saving surplus funds or earning interest on
cash reserves.
 Here are some common types of accounts used by businesses:

3.Business Money Market Account

• Purpose: Combines features of both checking and savings
accounts, offering a higher interest rate with some liquidity.
4. Business Certificate of Deposit (CD):
• Purpose: Used for longer-term savings, offering a fixed interest
rate for a specified period.
5. Merchant Services Account:
• Purpose: Enables businesses to accept credit and debit card payments from
customers.

6. Business Line of Credit:

• Purpose: Provides businesses with a revolving line of credit for short-term
financing needs.

7. Business Credit Card:

• Purpose: Allows businesses to make purchases, track expenses, and separate
personal and business spending.
Business usually maintain two types of account:
A. Savings Accounts
•These are intended to provide an incentive for the
depositor to save money.
•The depositor can make deposits and withdrawals using
the form provided by the bank.
•Banks usually pay an interest rate that is higher than a checking
account or a current account.
2. Checking or Current Accounts

•Money held under a checking account can be withdrawn through issuance of a check
•Banks usually allows numerous withdrawals and unlimited deposit under this type of account.
•The interest rate for checking account is usually lower as compared to a savings account.
WHICH BANK ACCOUNT?
SAVINGS ACCOUNT

• To save extra money and earn a bit of interest.

• Like a piggy bank for your business.
Another type of savings account that is popularly used nowadays is an ATM
(Automated Teller Machine) account wherein withdrawals can be made through
designated machines. This is a 24 hour teller machine and the funds can be withdrawn
anytime. The advantage of this account is that even if the banks are closed, you can
withdraw your funds.
UNLIKE Business Checking Account:
• For everyday business expenses.
• Like a wallet for your business.
It can keep you legally compliant, provide some financial
security and help you appear more professional to
customers and vendors. Plus, having one account for the
sole purpose of collecting from customers and paying
your vendors makes it easier to log transactions and
manage your business.
REFLECT
 Processing Questions:

1. Which bank account considered the most effective in business?

2. How this bank helps business in financing?
 SECURITY ALERT!
1. Discuss it with your groups on how to stay safe using ONLINE
BANKING?
2. Make a reflection on how to use online banking.
 TIPS TO STAY SAFE ONLINE

-Internet is a POWERFUL TOOL, yet it can be the most

DANGEROUS places.

-Do not share your password with anyone

-Do not reply or click links for suspicious email.

-Avoid logging into public networks / Wi-Fi.

 Is the bank considered Business? If so, how this
business earned profit?

More depositor=more profit

For example: 1 depositor deposits P50,000 and the
other depositor deposits P100,000, if the bank give
2% interest. How much they earned?
ANSWER= 3,000 INTEREST
ACTIVIT
ApplyY
the concepts of bank accounts used in business in a
simple scenario.
Create a sample business transaction where there is
investment in bank, borrowed money from a bank and paid
expenses like salary for the employees.
Direction: Write your transaction in manila paper & show it on the board
 REFLECTION

Example: Group 1 will give reaction to group 2

Group 2 will give reaction to group 3
Group 3 give reaction to group 1
with rubrics
 Best of the Best!
1. From the given types of bank account which do you think is
more applicable in business? Merchandising business
2. Reflect and think about the impact of applying the type of bank
accounts by giving examples. (At least 3)

Use colored shape paper

 Read each statementcarefully and choose the letter of the correct answer.

1. It is used for day-to-day business transactions, such as paying bills, making purchases,
and receiving payments.
a. Business checking account
b. Business Savings account
c. Business money market account
d. Business Certificate of Deposit
1. It is used for longer-term savings, offering a
fixed interest rate for a specified period.
a. Business checking account
b. Business Savings account
c. Business money market account
d. Business Certificate of Deposit
3. This type of bank accounts that provides a safe place
to save money, earns interest.
a. Business checking account
b. Business Savings account
c. Business money market account
d. Business Certificate of Deposit
4. If an owner of a business wants to invest in a bank using
business savings account, he is expecting for.
a. Higher interest
b. Lower interest
c. One-half interest of an investment
d. Double the interest of an investment
5. Business current account is also known as;
a. Savings account
b. Checking account
c. Merchant services account
d. Money market account
Thank you