Competitor BPI

Pricing Strategy Risk base pricing

Brand

Price Php 10,000-100,000 Php 100-250,000 $500 500 and JPY 50,000 1K-5MM up 1K-100K above

Deposits Peso Checking Account Peso Savings Account Dollar Savings Account Third Currency Savings Accts Term Account Peso Time Deposit Dollar Time Deposit Investments BPI Investment Funds Mutual Funds Odyssey Fund Loans Personal Loans Auto Loans Home Loans SME Business Loans Inward Remittance Charges Credit to Account - Peso Credit to Account - Dollar Bank to Bank - Peso Bank to Bank Dollar Branch Pick-up - Peso Branch Pick-up - Dollar

Php 10,000 Php 10,000 Php 10,000 Php Php Php Php 1,500 100,000 400,000 1,000,000

Relevance to Firm Banks use a risk-based approach to set loan and deposit rates. In the case of a loan, the less risk presented by a customer, the lower the interest rate the bank is willing to offer. The problem is that the measurement of risk is based on historical data. This is a threat to Metrobank because it has a lower maintaining balance for deposits and they also have other products that has a low price compared to them.

Php 150.00 USD 6.50 Php 150.00 USD 10.00 Php 150.00 USD 6.50

Bank of the Philippine Islands Type of Deposit Account Required Initial Deposit Required Minimum Monthly ADB1 Required Daily Balance2 to Earn Interest Php 2,000 Php 1,000 Php 5,000 Php 25,000 Interest Rate3 (Per Annum)

Peso Savings Account Jumpstart Savings Easy Saver Express Teller Savings Passbook Savings BPI Advance Savings Account with Passbook Php 100 Php 200 Php 500 Php 10,000 Php 100,000 Php 1,000** Php 0 Php 3,000 Php 10,000 Php 100,000 0.375% 0.375% 0.375% 0.375% N.A. 1.875% 2.000% 2.125% 2.250% N.A. 1.000% 1.125% 1.250% 1.375%

Php 100,000 Less than Php 100,000 100,000 - 299,999 300,000 - 499,999 500,000 - 999,999 1M and up

MaxiSaver4Savings with ATM

Php 50,000

Php 50,000

Php 50,000

Less than Php 50,000 50,000 - 299,999 300,000 - 499,999 500,000 -999,999 1M and up

With 1% BONUS p.a. if no withdrawal within a month MaxiSaver4Savings with Passbook Php 75,000 Php 75,000 Php 75,000 Less than Php 75,000 75,000 - 299,999 300,000 - 499,999 500,000 - 999,999 1M and up N.A. 1.000% 1.125% 1.250% 1.375%

With 1% BONUS p.a. if no withdrawal within a month MaxiSaver4Savings with Passbook (Corporate) Php 250,000 Php 250,000 Php 250,000 Less than Php 250,000 250,000 - 499,999 500,000 - 999,999 1M - 4,999,999 5M and up N.A. 1.000% 1.125% 1.250% 1.375%

With 1% BONUS p.a. if no withdrawal within a month Get Started Savings Account with Life Insurance o ATM o Passbook BPI Save-Up Automatic Savings + Insurance BPI Save-Up Automatic Savings Php 25,000 Php 75,000 none Php 25,000 Php 75,000 Php 1,000 Php 25,000 Php 75,000 Php 5,000 0.500% 0.500% Less than Php 5,000 5,000 - 399,999 400,000 and above none Php 1,000 Php 5,000 5,000 - 49,999 50,000 - 299,999 300,000 - 499,999 500,000 and up Peso Checking Account Express Teller Checking Business Checking Ka-Negosyo CA with ATM and Statement Ka-Negosyo CA with Statement Ka-Negosyo CA with Passbook Php 10,000 Php 10,000 Php 10,000 Php 10,000 Php 10,000 Php 10,000 N.A. N.A. Php 50,000 N.A. N.A. 0.375% N.A. 0.375% 0.750% 0.375% 0.875% 1.125% 1.250%

Php 10,000

Php 10,000

Php 50,000

0.375%

Php 25,000

Php 25,000

Php 100,000

0.375%

Maxi-One with Statement If daily balance is: o Individual o Corporate Php 25,000 Php 50,000 Php 25,000 Php 50,000 Php 25,000 Php 25,000 Less than Php1,000,000 1,000,000 and above 0.375% 0.500%

Maxi-One with Passbook If daily balance is: o Individual Php 250,000 Php 250,000 Php 25,000 Less than Php1,000,000 0.375%

o Corporate Express Dollar Savings Dollar Savings with Passbook

Php 500,000 $ 500 $ 500

Php 500,000 $ 500 $ 500

Php 25,000 $ 500 $ 500

1,000,000 and above 0.25% 0.25%

0.500%

Dollar Account

Third Currency Savings Account* AUD -Australian Dollars Passbook Savings CAD -Canadian Dollars Passbook Savings CHF-Swiss Francs Passbook Savings EUR- Euros Passbook Savings GBP British Pounds Passbook Savings JPY- Japanese Yen Passbook Savings CNY/RMB Chinese Yuan Passbook Savings AUD 500 AUD 500 AUD 500 1.50%

CAD 500

CAD 500

CAD 500

0.25%

CHF 500

CHF 500

N.A.

N.A.

EUR 500

EUR 500

EUR 500

0.25%

GBP 500

GBP 500

GBP 500

0.25%

JPY 50,000

JPY 50,000

N.A.

N.A.

CNY/RMB 3,500 CNY/RMB 3,500 CNY/RMB 3,500

0.10%