Slider
Slider

Presentations – 57th RBAP Charter Anniversary Symposium

Day 1

Keynote Speaker – Deputy Governor Nestor Espenilla, Jr. (BSP)
RBAP 57th Charter Anniversary Symposium 10Nov2014

1. Mergers and Acquisitions: Some Basics To Know When Doing A Deal by Mr. Dominador “Butch” Gregorio III (FTI Consulting)
Mergers and Acquisitions 101 – Mr. Butch Gregorio

2. Financial Inclusion and the Potential of Unbanked Markets by Dr. Jaime Aristotle Alip (CARD Bank)
ALIP

3. New Minimum Capitalization of Banks by Atty. Mel Georgie Racela (BSP)
New Minimum Capitalization of Banks – Atty. Mel Racela

4. Updated Guidelines on Credit Risk Management by Mr. Restituto Cruz (BSP)
Updated Guidelines on Credit Risk Management – Mr. Resty Cruz

5. Gearing up for ASEAN Integration: Effects on Rural Banking Sector by Mr. Gilberto Llanto (PIDS)
Gearing up for the ASEAN Integration – Mr. Gilbert Llanto

6. National Retail Payment System – Mr. Raymond Estioko (BSP)
National Retail Payment System – Mr. Raymond Estioko

7. Changing the Credit Landscape by Mr. Jaime Garchitorena (CIC)
Changing the Credit Landscape – Mr. Jaime Garchitorena

DAY 2

Keynote Speaker – Ms. Cecilia Borromeo (Land Bank of the Philippines)
Borromeo

1. Strengthening of Banks through Capacity Building and Other Product Offers
Mr. Charles Albert Belgica (SB Corp) – Belgica
Ms. Edna Atienza (AGFP) – Atienza
Ms. Leila Martin (CFIEP) – Martin

2. Bank Capital Requirements and SPRB – Ms. Imelda Singzon (PDIC)
Singzon

3. Quo Vadis – Mr. Raoul Villegas (PWC)
Villegas

4. Defining the Rural Bank Brand – Ms. Mary Julie Balarbar
Balarbar

5. Cross Selling Framework / Bancassurance – Atty. Calvin Kochet Chua
Chua

SURVEY RESULTS: COMPARATIVE MEDIAN RATES PER PROVINCE 2nd Quarter 2013, in percent

SavingsDeposits1

SavingsDeposits2

33rd Mindanao Credit Management Conference – August 22-23, 2013

To All Participating Rural Banks:
We are inviting you to the 33rd Mindanao Credit Management Conference scheduled on August 22-23, 2013 at  Dotties Place, Samping Ave., Butuan City. You may download the invitation, registration form and hotel rates below.
Please take a moment to view this 3 minute video and see what’s  in store with your attendance.
Join us as Mindanao Rural Bankers ” Build Routes for Economic Progress”.

http://www.youtube.com/watch?v=kKvmuAEg16M&feature=youtu.be

 

View / Download:

Invitation to 33rd Mindanao Credit Management Conference

Program and Registration Form

Rates – Dottie’s Place

 

RBAP 60th Annual National Convention Program

Dear RBAP Members:

For your guidance, attached is the Program for the RBAP 60th Annual National Convention on June 10-11, 2013 at Sofitel Philippine Plaza, Manila.

View/Download RBAP 60th Annual National Convention Program

BSP CIRCULAR LETTER NO. CL-2012-070

Accredited Rural Financial Institutions for the Purpose of Implementing the Agri-Agra Reform Credit Act of 2009 Pursuant to Circular No. 736 of 20 July 2011.

The Bangko Sentral ng Pilipinas clarifies that the circular was drafted for information dissemination and not as an endorsement.

Provided on the said circular are list of qualified banks.

To view circular details, please cick the link below:

http://www.bsp.gov.ph/downloads/regulations/attachments/2012/cl070.pdf

MABS Hand Over Ceremony

The Rural Bankers Association of the Philippines (RBAP) on Wednesday ,September 26, met with the Microenterprise Access to Banking Services (MABS) for a hand over ceremony after years of partnership.

MABS is an economic program that seeks to develop the expansion of Philippine rural bank s to micro financing by providing training and technical assistance.

MABS has concluded its 15-year contract with the U.S. Agency for International Development (USAID), which aims to do research and develop financial facilities for the low-income individuals.

USAID is a US government arm that provides economic assistance and food aid to the Philippines.

During the ceremony, held at the RBAP Building, John Owens, chief of party, gave a run through of all the research activities conducted by the MABS.

Among these were training materials on disaster preparedness- preparation, implementation and post implementation manuals.

“If anyone wants information, they can directly get it here, just download it,” Owens said.

According to Owens all research materials are available online and can be used by anybody.

“They just have to attribute,” Owens said.

MABS has put up an online website that holds research documents for the past 15 years.

Instructional videos and documents on PDF file format are all available on http://rbapmabstoolkit.wordpress.com or visit http://mabs4finalreport.wordpress.com.

Also present during the event was RBAP president Atty. Edward Leandro Garcia, who expressed his gratitude toward the MABS personnel for its dedication to research.

For more information or research inquiries, parties may send an e-mail to info@rbap.org or call (02) 527-2968

RBAP and MABS officers during a luncheon

 

Philippine Star: Mobile Banking Expands in Rural Areas

MANILA, Philippines – In 2011, Philippine rural banks processed over P4.9 billion (roughly $116 million) worth of banking transactions which were enabled by mobile banking.

In fact, the former head of the Microentrepreneurs Access to Banking Services (MABS) program John V. Owens said a 58-percent increase in the volume of transactions through mobile banking has been noted in the first four months of 2012.

Since mobile banking or access to banking services through the mobile phone technology was introduced in 2006, a total of P16 billion (approximately $363 million) had been processed.

Involved in the entire process were 73 rural banks through their 1,168 branches and other banking offices.

In his presentation at the 59th convention of the Rural Bankers Association of the Philippines (RBAP), Owens noted that the rural bankers made good their partnership with the two leading telecommunications companies – Globe Telecom and Smart Communications – to facilitate easier use of mobile money for greater access to banking services.

“Rural banks are fortunate to live in a country with two very active and supportive mobile money platforms and a very proactive and supportive regulatory environment. I highly recommend that all rural banks take advantage of these two platforms to better connect with new and existing clients and customers,” Owens said.

Globe and Smart have over 85 million subscribers and this number is growing whereas rural banks serve only six million clients. There are now 10 million Filipinos that have registered to the two mobile money platforms.

Article written by Ted P. Torres.

To view the full article, click the attached weblink: http://www.philstar.com/Article.aspx?articleId=852388&publicationSubCategoryId=74

 


Manila Times: One Step Closer

One of the leading proponents of opening up the rural banking industry to foreign ownership made several important points on why active foreign participation will not only enable rural banks, which have been present for 60 years, to better compete with its bigger brethren, but also further improve rural banks’ line of services for its target market.

Sen. Sergio Osmeña 3rd, sponsor of Senate Bill (SB) 3282, or “An act allowing infusion of foreign equity in the Capital of Rural Banks, amending Republic Act [RA] 7353, otherwise known as The Rural Banks Act of 1992, as amended and for other purposes,” said during a recent sponsorship speech at the Senate that rural banks need to comply with international capital standards, expand and improve their competitiveness, and channel more resources and increased investments for the benefit of the unserved and the underserved.

“Rural banks need to look beyond their limited resources and take advantage of funds available elsewhere. The opportunity to forge international equity partnerships will put rural banks on a level playing field with its thrift and commercial bank counterparts that are able to take in foreign partnerships,” he said.

To view the full article, click the attached weblink: http://www.manilatimes.net/index.php/business/top-business-news/31910-one-step-closer

 

Submission of Survey Rates for 3rd Quarter

The BSP’s Central Supervisory Support Subsector is again requiring us to submit a consolidated report on the comparative benchmark median rates on bank deposits of rural banks for third quarter.
In connection with this, please fill up the enclosed survey form. Survey Template
If the bank has different rates for its head office and branches, please fill up a different survey form for the head office and each branch. Once you’re done with the survey, submit the accomplished form to  francis.rbap@gmail.com or info@rbap.org.
Submission deadline is on the 1oth of October 2012.
Many thanks

Re-Broadcast: Mindanao Management Conference at Dakak Beach Resort

 

Management Conference at Dakak Resort

ZNFRB Circular No. 2012-01

To: All RBAP Members

Subject: 32nd Mindanao Rural Bankers Management Conference

The ZaNorte Federation of Rural Banks (ZNFRB) will be hosting the 32nd Mindanao Rural Bankers Management Conference on October 11-12, 2012, at the Dakak Park and Beach Resort, Dapitan City, ZaNorte, with the theme: “Strengthening the Road of Rural Banking”.

We have invited distinguished speakers experts in their respective fields to guide, motivate and give us focus on improving our services and management skills in the service of our communities with the aim in view of strengthening our industry in the light of the competition and the challenges in the new millennium. There will also be business booths showcasing opportunities that will significantly improve the delivery of your services and products to clients guaranteed to translate into additional income for your bank. And finally, to strengthen the bond among rural bankers, all delegates are invited to the “All White Party” at the white sand beach of Dakak for the lively and festive fellowship which we, as host, promises to be fun and memorable.

For the allowable expenses to be incurred by each participating delegate for the conference to be borne by your bank, please find the hereunder guidelines, to wit:

  1. 1. Registration Fee:
  • Early Birds – Five Thousand Five Hundred Pesos (P5,500.00) per delegate if paid on or before September 10, 2012;
  • On-site – Six Thousand Pesos (P6,000.00) per delegate after September 10, 2012;
  1. 2. Other expenses:
  • Actual transportation expenses from the rural bank to the conference venue and return;
  • A maximum per diem of Six Thousand Pesos (P6,000.00) per delegate  per day for a period not exceeding five (5) days; and,
  • A maximum representation allowance of Five Thousand Pesos (P5,000.00) per delegate;

For your convenience, registration forms and hotel reservations are downloadable from the RBAP website at www.rbap.org. and for further details, please contact 09228576831/09493657055/09209061833 PLDT: (065) 9082348/9060596 or email us at lifestyletravelandtours@yahoo.com. Or you may visit us on Facebook at Znfruralbanks Rbap.

It is more fun in ZaNorte…. On to Dakak Mindanao Management Conference 2012!

Very truly yours,

 

ATTY. MICHAEL ALAN Z. RANILLO

ZNFRB President/Conference Director

 

 

Invitation letter-1

Circular Letter to All Rural Banks

registration form – RBAP Conference 1.PDF

Dakak Room Rates

HOTEL BOOKING FORM 2

Air Transportation Schedule

Sea Transportation Schedule

 

Branching guidelines amendments

To all member rural banks and partners, please be informed of the amendments to the provisions of Section X151 of the Manual of Regulations for Banks, pursuant to Monetary Board Resolution No. 793.  These amendments are specifically on Subsections X151.4, X151.5, XI51.7 and X151.8.

In a nutshell, the amendments on Subsection X151.4 state the removal on the limit set on the number of branches  allowed to be applied by a bank for establishment at any time; for subsection XI51.5,  the new guideline stipulates that the total processing fee shall be immediately charged against the demand deposits of banks with the BSP and in no case shall be staggered payment be allowed.

As for XI51.7, the date of opening of approved branches shall be extended from 1 to 3 years from the date of approval; Subsection X151.8 meanwhile is on the rationalization of the requirements for opening of approved branch/OBO.

To view the full BSP circular, we highly encourage all to download attached pdf clicking the link: c759.

Thank you.

Rang-Ay Bank opens 22nd branch in Ilocos Sur

22nd Branch of Rang-AyThe RBAP extends its heartfelt congratulations to the management of Rang-Ay Bank, headed by Mr. Ives Nisce,  for the successful opening of its 22nd branch in Northern Luzon. 

​A fast growing bank, the Rang-ay Bank formally opened its 22nd  office last May 8, 2012 located across the New Public Market of Sta. Lucia, Ilocos Sur.

The ceremonial ribbon cutting was led by the town Mayor Estrella F. Hernaez, with former PRC Board of Dentistry Chairman Dr. Rosita Canlas-Nisce. Rev. Fr. Ramelle J. Rigunay, Parish Priest of St. Lucy Parish, officiated the blessing of the newly opened branch. Rang-ay President & CEO, Ives Q. Nisce in his opening remarks stated that the opening of Sta. Lucia Branch is the second office to open, of the ten (10) Banking Offices approved by the Bangko Sentral ngPilipinas. Nisce is proud that Rang-ay Bank is a home-grown bank, with it’s head office in San Fernando City, La Union. The bank now has 22 branches spread in six provinces of the north:Ilocos Sur, Ilocos Norte, La Union, Pangasinan, Abra and Benguet.

​Hon. Estrella F. Hernaez welcomed the opening of the Branch and expressed the belief that the presence of Rang-ay Bank in Sta. Lucia signals improved economic activity of the municipality as it provides easy and affordable access to credit for the local farmers and entrepreneurs.

The opening of this banking office will surely bring banking services to the doorstep of the townspeople of this southern town of Ilocos Sur, as it is the only bank serving the Municipality of Sta. Lucia, Ilocos Sur.

Opening of Rang-Ay Bank, headed by President Ives Nisce

Change of corporate name of RB Ormoc City, Inc.

To all member banks, please be informed that the change of corporate name of Rural Bank of Ormoc City, Inc. has been approved by the Bangko Sentral ng Pilipinas.  Thus, RB Ormoc City, Inc.  is now known as Bank of Ormoc, Inc.  (A Rural Bank).

Kindly click the attached link cl034 to view the one-page circular letter.

For your information and guidance.

MPB (G-Cash) Training -May 08 and May 10, 2012

TO: 		ALL MEMBER RURAL BANKS

SUBJECT: 	INVITATION TO REGISTER TO MOBILE PHONE BANKING ACCREDITATION
TRAINING COURSE FOR RBAP MEMBER RURAL BANKS

We are inviting you to participate in Mobile Phone Banking Accreditation
Training and become part of the increasing number of GCASH partner rural
banks offering mobile phone banking services to their clients and enjoy
the benefits to earn additional fee-based income from GCASH transactions,
cost savings in mobile payment and increase deposit level through mobile
phone banking services. Through Rural Bankers Research and Development
Foundation, Inc. (RBRDFI) together with RBAP’s Microenterprise Access to
Banking Services (MABS) Program and G-Xchange, Inc. (GXI), subsidiary
company of Globe Telecom the accreditation training will be conducted on
the following dates and venue:

Date	Venue	Target Banks
May 08, 2012	RBAP Conference Room, Manila	NCR Banks
May 10, 2012	Crown Plaza Hotel, Naga City	Bicol Federation of Rural Banks

GCASH is an electronic money platform of Globe Telecom that turns your
cellphone into an electronic wallet. With GCash, Globe and Touch Mobile
subscribers can perform mobile phone banking functions such as deposit,
withdraw, remittance (local and abroad) and other mobile payments through
the use of mobile phone. Rural banks can also offer payroll services and
provide their clients with a PowerPay+ card, an ATM/debit card that is
linked to their GCash wallet. For more information about G-Cash, PowerPay+
and other mobile phone banking services, please visit Globe and RBAP’s
websites at www.g-cash.com.ph and www.mobilephonebanking.rbap.org
respectively.

This training-workshop focuses on the following objectives:

1)	Accreditation Training – Interested rural banks planning to obtain
accreditation to offer cash-in and cash-out services will be assisted by
RBAP in the process of getting certification from the BSP as a bank
authorized to offer mobile phone banking services utilizing the GCash
Platform. During the training, participants will be provided a complete
set of accreditation kit and will be guided in the process of GCash
accreditation. Note that banks will still need to get a “No Objection”
letter from the Supervision and Examination Sector of the BSP before they
can complete the accreditation process. We will include a proforma letter
to the BSP in the training kit for the banks to use to facilitate their
accreditation.

2)	Refresher Course – The course will also serve as refresher course for
previously accredited rural banks who are interested in expanding and
receiving an update on the latest mobile phone banking services as well as
to learn some of the “tricks of the trade” from examples of successful
banks and their clients who are now regularly using mobile phone banking
services.

3)	Implementation Training – The course will also provide a how-to
step-by-step guide for banks that plan to initiate GCash and mobile phone
banking services.

4)	Operations and Procedures Manual – The training will also equip the
rural banks with the Mobile Phone Banking Manuals and required bank
procedures, which have been reviewed and approved by the BSP. These
procedures fulfill the BSP electronic banking requirements

Rural banks that wish to attend the training must meet only two (2)
requirements:
•	CAMELS rating of at least 3.0
•	No major exceptions noted in the latest BSP examination

The training is designed for senior officers (from Marketing,
Compliance/Audit Dept, and/or Operations) that are in the position to
cascade this training and facilitate the implementation of recommended
procedures within the bank. Each bank is allowed to send up to 3
participants. Please note that the training will be limited to the first
40 participants who register for the course. Additional slots may be
available and are subject to space availability on a first come, first
serve basis.

The training fee is P1,400.00 per participant inclusive of materials, food
and venue. However, for those who register and pay at least a day before
the event, the early bird fee is reduced to P1,000.00 per participant.
Note that there is a minimum of twenty (20) participants in order to hold
this event. Should we be unable to meet the minimum number of
participants, you will be notified at least two days before that the
course will be moved to a later date. Please deposit your payment to the
RBRDFI Account No. 0012-1046-26 at Landbank, Intramuros, Manila Branch and
fax a copy of the deposit slip along with your confirmation to RBAP at
(02) 527-2980 or to MABS Office at (02) 400-4561 (Manila).

Attached are the training agenda for your advance information and the
confirmation sheet for your reservation. Should you have any questions,
please feel free to contact Mr. Ace Calang of RBRDFI at (02) 527-2968 to
69 or Ms. Roselle Hernandez of MABS-Manila Office at (02) 400-0971 or
0917-545-6227.

Thank you for your support and interest in this important training event.

MA. CORAZON L. MILLER
CHAIRPERSON

Download the Schedule and Confirmation Sheet in PDF 

RBAP-MABS National Roundtable 2012

The Rural Bankers Association of the Philippines-Microenterprise Access to Banking Services (RBAP-MABS) Program is happy to announce that its National Roundtable Conference will be on June 7-8, 2012 at the Hyatt Hotel, Pedro Gil corner M.H. Del Pilar, Malate, Manila.

Listen to discussions on pricing transparency and other regulations affecting microfinance. Share your own experiences as research findings on multiple lending are discussed by research investigators.  Take away lessons from your fellow rural bankers using information tools to improve their operations. Have yet to decide whether to use or not an existing credit bureau? Listen to your fellow rural bankers discuss how using the credit bureau has helped them avoid high risk clients.

Do you use SMS, Facebook, Tweeter and other social networking sites to interact with your clients? Hear Ms. Maria Ressa, CEO and Founder of Rappler, Mr. Hans Roxas Chua, past president of Mobile Marketing Association of the Philippines, and others on the panel for a discussion on the creative uses SMS and social networking tools for your bank to reach more clients.

Been wondering what happens to RBAP-MABS Program going forward? Come to the National Roundtable to hear the plan for expanding RBAP-MABS training and technical assistance activities.

We have lined up interesting resource speakers, panelists, and rural bankers that will generously share their experiences.

And, of course, your bank’s EAGLE Scorecard for 2011 will be available.

There is more. Join us in celebrating the 15th year of the USAID-supported RBAP-MABS Program on the evening of June 7. Find out who the 2011 EAGLE Awardee is.

Been reporting to the MIX Market? Come and join Ms. Liz Larson on stage to be recognized during the awards ceremony.

The National Roundtable Conference is the only event which gives you updates and developments in new microfinance regulations, microinsurance, mobile banking technology, market research, and microfinance services.

Wait no longer!  Contact us today to learn more about attending and participating at the NRT 2012.