Rural Bank OJT Experience

HGBAQUIRAN COLLEGE
National Highway, Tumauini, Isabela

Tel NO. (078) 3231113
CHAPTER I
INTRODUCTION
Students from different field of specialization
have been honing their skills and prepare them for their
future job as they will undergo the On-The Job Training.
The knowledge that they have gained in the four sides of
classroom will be applied through the help and guidance
of the persons who will serve as your superior. All the
learning being acquired from the College professors and
instructors have a great contribution in the workplace
where we apply the teachings that they had taught us.
The classroom is a great starting point for
learning but the practical application of that learning
is essential as the Ojt student apply what he/she has
learned.
In the respective place where we render our services a
lot of lessons and new ideas are learned. There are
circumstances we cannot understand some of the
transactions of the bank but the employees are willing to
teach us to develop our skills in solving some of the
problems we have encountered.
It is a great opportunity we have received when we
have the chance to render our services working to a place
where we can maximize our potentials and skills.
1
COLLEGE OF BUSINESS ADMINISTRATION
HGBAQUIRAN COLLEGE
Tel NO. (078) 3231113
As a trainee in Rural Bank of Cauayan it gives me more
opportunity and develop myself in all aspects.
2
HGBAQUIRAN COLLEGE
Tel NO. (078) 3231113
Brief History/Background of the Company/Company
Profile
The RURAL BANK OF CAUAYAN INC. was established on
April 7,1965. It is the pioneer bank in Cauayan, Isabela
founded by Dr. and Mrs. Ireneo C. Bucag Sr. and its
incorporator namely: Mr. Domingo San Pedro, Mrs. Aurea B.
Carpio, Mr. Antonio M. Perez, Mrs. Lourdes Cruz, and Mr.
Domingo Simangan.
The simplified and affordable credit window that it
offers immediately became a word of mouth among farmers
and businessmen in Cauayan , Isabela and its nearby
municipalities. Since then, it has not stopped counting
more and more satisfied and loyal customers.
Because of this, Rural Bank of Cauayan Inc. started
branching out. Six (6) branches were opened from 1990 to
2000, Eight (8) other branches were inaugurated from
2001-2010, and 3 more branches started operating from
2011 to 2013.
Pioneer Employees
As of now, Rural Bank of Cauayan Inc. has a total of 20
branches and 1 Extension Office operating in four
provinces in Region 2–Isabela, Cagayan, Quirino and Nueva
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Tel NO. (078) 3231113
Vizcaya with resources of over a Billion pesos; and a
total of 217 employees.
The bank’s tremendous growth over the years was
fueled by the active & dynamic stewardship of its Members
of the Board namely: Dr. Eduardo R. Bucag, Chairman of
the Board, Mr. Edgardo R. Bucag, President, Mr. Ireneo R.
Bucag Jr., Board of Director, Mr. Ronaldo R. Bucag, Board
of Director, Mrs. Juana R. Bucag, Founder, Ms. Teresita
R. San Pedro, Board of Director, Mr. Danilo San Pedro,
Board of Director and independent Directors; Mr. Cezar G.
Guzman, Mr. Eduardo R. Condat
Social responsibilities have been a part of Rural
Bank of Cauayan’s distinctiveness. For 5 straight years
the bank have been conducting Job fair in partnership
with LGU Cauayan, DOLE & POEA as a simple way of helping
the jobseekers find their employment. Last January 2015,
Rural Bank of Cauayan sponsored a 3-day medical, dental,
surgical and ophthalmology mission in cooperation with
Wichita Falls Country Medical Alliance of North Texas and
LGU Cauayan. Local and Fil-Am Doctors from USA
collaborated to provide free medical aid to those who are
less fortunate in life in Isabela.
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Tel NO. (078) 3231113
Truly, Rural Bank of Cauayan Inc. has evolved as one of
the biggest rural bank in the region and has been
receiving recognitions from prestigious institutions.
Over the years, it has continued its legacy in good
governance and excellent customer service.
RURAL BANK OF CAUAYAN INC. has a total of 20 branches

operating in four(4) provinces Isabela, Cagayan, Quirino,
and Nueva Vizcaya.
Alicia Roxas
Bambang San Nmanuel
Cabatuan San Mateo
Cabagan Santiago
Cauayan Solano
Cabarroguis Tumauini
Camalaniugan Tuguegarao
Cordon Echague
Ilagan Reina Mercedes
Ramon Luna Extension
We put the company our first priority. We operate as
a competitive and profitable business and work as a team
to attain our organizational goals. We constantly strive
to be the number one(1). We act quickly and stand for the
highest quality to deliver.
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Our employees are trained to excel, to deliver their best
performance and be as productive as they can be.
ORGANIZATIONAL STRUCTURE OF RURAL BANK OF CAUAYAN INC.
BRANCH MANAGER
ASST. MANAGER
BRANCH ACCOUNTANT TELLER/CASHIER
LOANS REPRESENTATIVE
CA/SA BOOKEPER LOAN BOOKEPER
JANITOR/MESSENGER
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VISION
To be the best provider of financial services in
the rural banking industry.
MISSION
To help improve quality of life by delivering
superior and reliable financial products and services and
operate with a high level of Competence, Integrity, Honesty,
Professionalism, and Community Involvement.
CORE VALUES
>SERVICE
We provide and deliver the best product and services
to all of our clients. We focus on their needs.
>INTEGRITY AND PROFESSIONALISM
We practice Honesty, Transparency, Fairness and
Demonstrate mutual respect and trust with others. We uphold
high ethical standard and conduct ourselves in a manner that
dignifies the reputation of the bank. We responsibility and
stand up for our actions.
>CARE FOR EMPLOYEES
We practice a culture that attracts, retains,
rewards and empowers employees.
>DIVERSITY
We recognize that we have varying and sometimes
opposing views. This is only because of differences in
perceptions on how to improve and promote the interest of the
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Tel NO. (078) 3231113
company, our clients, and our employees. As such, we welcome,
listen and respect all perspectives and views.
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Tel NO. (078) 3231113
STUDENT PROFILE
EMILIO L. BOAC
Barangay District I, Tumauini, Isabela
PERSONAL DATA
Age : 20
Date of Birth : September 14, 1997
Place of Birth : Tumauini, Isabela
Height : 5’6
Gender : Male
Status : Single
Citizenship : Filipino
EDUCATIONAL ATTAINMENT
College Bachelor of Science in Business

Management
HGB College
Tumauini, Isabela
2017-2018
Secondary Tumauini National High School

Tumauini, Isabela
2014- 2015
Elementary Tumauini North Central School
2011-2012
SPECIAL SKILLS
1. Computer operating in areas of Microsoft Word, MS Excel, Internet Explorer
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STUDENT ON THE JOB TRAINING REPORT
CHAPTER II
1STWEEK
DATE ACTIVITIES HOURS
NOV.13,20 Interview and orientation
17
NOV.14,20 Sorting of checks, review 8 Hours
17 all transactions before we
finalize. Assist all
clients especially in
paying their sss
contribution and loan.
Balancing all transactions
in and out.
NOV.15,20 Computing money small 8 Hours
17 bills, credit checking;
assist all clients paying
their SSS contribution and
loan, balancing all
transaction in and out.
NOV.16,20 Sorting of checks, 8.Hours
17 checking the balance sheet,
assist all clients paying
their SSS contribution and
loan, balancing all
transactions in and out
10
HGBAQUIRAN COLLEGE
Tel NO. (078) 3231113
SUMMARY: Sorting all checks, credit TOTAL:24HOURS
checking; assist all clients,
balancing all transactions in and out.
2nd WEEK
NOV.20,2017 Assist all clients 8Hours
paying their SSS
contribution and
loan, sorting checks,
balancing all receipt
transactions in and
out.
NOV.21,2017 Assist all clients 8Hours
paying their sss
contribution and
balance all receipt
transaction in and
out.
NOV.22,2017 Assist all client 8Hours
paying their sss
contribution and
balance all receipt,
counting small bills
money.
11
HGBAQUIRAN COLLEGE
Tel NO. (078) 3231113
NOV.23,2017 Assist all client 8Hours
paying their sss
contribution and
loan, clients have a
question, clients
who wants to open
account.
SUMMARY: Assist all clients paying TOTAL:32Hours
their sss contribution and loan,
balancing all receipt, computing
money.
3rd WEEK
NOV.27,2017 Assist all clients paying 8Hours
their sss contribution and
loan, counting small
bills, prepared
certificates request by
clients. Computing all
receipts transaction.
loan, credit checking,
sorting checks, computing
all receipts transaction.
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loan, assist clients who
wants to open accounts,
computing all receipts
transaction.
SUMMARY: Assist all clients in their TOTAL:24Hours
problems, clients paying their sss and
loan, credit checking, sortinf checks,
balancing all receipts transaction.
4th WEEK
DATE HOURS
ACTIVITIES
DEC.04,2017 Assist all clients 8Hours
paying their sss
contribution and
counting small bills,
deposit money to
other bank, computing
DEC.05,2017 Assist all clients 8Hours
paying their sss
contribution and
loan, sorting ledger,
counting small bills,
computing receipts
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Tel NO. (078) 3231113
transaction.
DEC.06,2017 Assists all clients 8Hours
paying their sss
contribution and
loan, clients want to
open account,
computing receipts
transaction.
paying their sss
contribution and
and ledier, computing
receipts
transactions.
SUMMARY: Assists all clients in TOTAL:32Hours
their problems, sorting ledger,
checks, counting small bills,
computing receipts to balanced
their transaction in and out.
5th WEEK
DATE HOURS
ACTIVITIES
DEC.11,2017 Assists clients, 8Hours
sorting of ledger,
counting small money
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bills, computing
DEC.12,2107 Assists all clients, 8Hours
credit checking,
deposit money to
other bank, computing
DEC.13,2017 Assists clients 8Hours
paying their sss,
bills, sorting
ledger, computing
paying their sss,
sorting ledger,
computing all
SUMMARY: Assist clients to their TOTAL:32Hours
problem, credit checking, deposit
money to other bank, sorting of
ledger, checks, counting small
bills, and computing all receipts
transaction to balance in and out
transaction.
15
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Tel NO. (078) 3231113
6th WEEK
DEC.18,2017 CHRISTMASPARTY
DEC.19,2017 Assists client paying 8Hours
their sss, clients
want to open account,
client to encash
their check, sorting
ledger, computing
transaction receipts.
DEC.20,2017
paying their sss,
sorting ledier,
counting and sorting
small money bills,
computing transaction
receipts.
SUMMARY: Assists all clients in TOTAL:16
their problem, sorting ledier Hours
sorting and counting small money
bills, and computing all
transaction receipts to balance in
and out transaction.
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HGBAQUIRAN COLLEGE
Tel NO. (078) 3231113
7th WEEK
DATE HOURS
ACTIVITIES
DEC.25&26,2017
DEC.27,2017
paying their sss,
sorting of ledier,
counting and sorting
small money bills,
computing transaction
receipts.
to encash their
checks, counting
coins, computing all
receipts widrawal
slip, deposit slip
.checks, sss receipts
to balance all
transaction in and
out.
SUMMARY:Assists all clients to their TOTAL:16Hours
problem, counting small money bill
and sorting it. and computing all
receipts to balance in and out
transaction.
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HGBAQUIRAN COLLEGE
Tel NO. (078) 3231113
8th WEEK
JAN.02,2018 Assists all clients 8Hours
paying their sss,
sorting checks,
sorting ledger,
updating account,
their passbook,
computing all
JAN.03,2018 Assists clients, 8Hours
updating ledger,
their passbook, their
accounts.
JAN.04,2018 Sorting all passbook 8Hours
expire, call back
Counting small money
bills and sorting it.
paying their sss,
updating their
account, counting
small money, sorting
ledger.
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updating their accounts, sorting
all files, counting small money
bills, computing to balance all
transaction in and out.
9th WEEK
DATE HOURS
ACTIVITIES
sorting all
application, credit
checking, computing
all transaction
receipts.
sorting small money
and all application,
computing all
JAN.10,2018 Assists all clients, 8Hours
sorting ledger,
bills, deposit money
to other bank,
computing all
transactions receipt.
JAN.11,2018
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HGBAQUIRAN COLLEGE
Tel NO. (078) 3231113
SUMMARY: Assists all clients for TOTAL:24Hours
their problems, sorting all
application, credit checking,
deposit money to other bank, and
computing all transaction receipts
to balance in and out transaction.
10th WEEK
DATE HOURS
ACTIVITIES
paying their sss
contribution and
loan, sorting all
application, counting
small bills money,
computing all receipt
transaction.
who want to open
account, updating
ledger, and count and
sort small money
bills, computing all
transaction receipt.
JAN.17,2018
20
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Tel NO. (078) 3231113
for encash their
checks and paying
their sss, and
computing all
SUMMARY: Assists all clients for TOTAL:24Hours
their problems, counting and sort
small money, updating ledier, and
computing all transaction to
balance in and out transaction.
11th WEEK
DATE
ACTIVITIES HOURS
paying their sss,
sorting ledger and
checks, counting
JAN.23,2018 Assists client who 8Hours
want to open account,
to pay their sss and
loan, deposit money
to other bank,
JAN.24,2018 Sorting all 8Hours
application, updating
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passbook, withdraw
money true ATM.
sorting ledger,
counting coins,
sorting small bills.
SUMMARY: Assists all client to TOTAL:32Hours
their problems, sorting files,
counting and sorting small money
bills, computing all receipts to
balance in and out transaction.
12th WEEK
ACTIVITIES HOURS
DATE
JAN.29,2018 Assists all clients, 8Hours
sorting checks and
ledger, counting
sorting ledger and
small bills, credit
checks, deposit money
to other bank,
computing all
22
HGBAQUIRAN COLLEGE
Tel NO. (078) 3231113
JAN.31,2018 Assist clients, 8Hours
FEB.01,2018 Assists clients, 8Hours
sorting ledger,
credit checking,
computing small
transaction.
SUMMARY: Assists all clients to TOTAL:32Hours
their problems, credit checking to
compute small bills, and computing
all receipts transaction to
balance in And out.
13th WEEK
DATE
ACTIVITIES HOURS
FEB.05,2018 Assists all clients, 8Hours
sorting ledger,
compute all receipts
transaction.
compute money and
sort it, credit
checking, deposit
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money to other bank,
compute all
transaction.
FEB.07,2018 Assist all clients 8Hours
who want to open
account, and to pay
their sss.
FEB.08,2018 Assists client, 8Hours
sorting ledger and
small bills, compute
all transaction.
computing coins, and
all receipts
transaction.
their problems, computing small
money bills and sort computing
all transaction to balance in and
out transaction.
14th WEEK
DATE HOURS
ACTIVITIES
sorting all files,
computing small
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transaction.
sorting and computing
all small bills.
sorting ledger,
credit checking,
compute all
transaction.
FEB.15,2018 Sorting checks, 8Hours
compute coins,
assists clients,
compute all
transaction.
SUMMARY: Assist all clients for TOTAL:32Hours
their problems, sorting al
clients, compute small bills and
compute all receipt transaction to
balance in and out.
25
HGBAQUIRAN COLLEGE
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CHAPTER III
Assessment of Practicum Program

When I started my on the Job training at Rural Bank
of Cauayan-Tumauini Branch. I was assigned at the front
liners desk assisting all the clients. I have found out
that the clients have different personalities. Being the
OJT I learned how to extend my patience to our clients
even they are stubbornly asking their business
transaction this serve as my training grounds. All of the
employees in this branch were regular employee that may
help me in my learning experience. My first day wasn’t
that good for me it’s because I’m not familiar with the
employee and in the kind of work they may give to me.
Filling of important files and daily reports was very
easy task, but in my first day’s it’s been very hard for
me to file bundles of reports. Before filing documents, I
have to sort the different kinds of reports. My training
supervisor taught me how to print the daily reports, file
deposit slips properly, and the proper way of answering
the telephone. At first, my supervisor gives me the
instruction for the work they were given, but when I
already get familiar to these she let me do it with
myself. I participated in the normal operation of the
office by doing the tasks that is assigned to me.
During my training I learned to interact and get
socialized with other people. This is one of the
memorable experiences in the bank where I rendered my
services as OJT. I know that people have different
perosanlity’, however making friends with my co-trainee
and in the staffs and officers doesn’t make difficult.
They don’t treat me like others. And as a trainee, I
don’t feel tight working with them, later I learned to
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work with patience, working at the bank was very
stressful because of the clients you have to welcome and
interact with.
I also learned from my co-trainee experience and
mistakes, as well as my mistake and apply it whenever I
needed. Sometimes I interact with clients who are not
that good, of course I am not perfect and I can make
mistakes. Oftentimes, I answer the phone and we have to
be nice to every person we’re talking with. When there
are clients asking for their bank statements and reports,
I let the officers to talk to them because every bank
records are very much private. In every kind of work I
must be nice to all people that I may encountered to
prevent problem. Challenges are always there, it’s a
trial of one’s ability or resources in demanding
In my 3 months training at Rural Bank of Cauayan I
can say that I had contributed to them, I help them
minimize their work and finished it for a short period of
time. The training inside in the company is learning
experienced each day. I learned to appreciate the lessons
studied in school and realize the important of it. I
understand that was thought in school can be a tool that
can be used in future career. As a trainee I become a
careful person. I also learned to follow instruction as
what the superior said and accept the opinion they’re
suggested and follow the rules and regulation of the
company. On the job training is not just a
subject/requirement to be pass/complete but it is an
opportunity to show what skills, talents, knowledge,
techniques and most specially the ability as a person and
an individual who will enter the world of business at the
right time. This is also an application of what we had
learned. It’s serve as a stepping stone to a real life as
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an employee. Learning is a lifetime commitment that
continues even though I have a job. Training inspired me
to enhance my ability and knowledge in my chosen field.
And of course we have to treasure every person we become
socialize even for a very short period of time. Now I am
more interested and excited to enter the world of
business. It was a enormous and wonderful experience.
Recommendation:
1. The program coordinator should expose us to
different banks in local area as observer prior to
our deployment/OJT to gain knowledge so that the OJT
student will not find it hard.
To students who will take their practicum be obedient to

your superior as you go through to your task given. It
could be far better to ask the employees or the staff of
a certain organization where you have your OJT if there
are things you do not know to avoid mistakes.
Determination and perseverance are needed in OJT to do
all the works. In entertaining the clients always be
courteous and serve them with the heart.
The challenges of everyday task will give you an
opportunity to be a good employee in your chosen career.
Integrity and honesty is a virtue that the ojt student
must possess because if you have these values the head of
any offices or any institutions could accommodate you in
your workplace through the performance you shave shown.
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CHAPTER IV
Case Study
Point of View
Rural Bank of Cauayan is Located at Brgy, 1,
Tumauini, Isabela which caters the farmers, Business men,
Teachers and all people who want to deposit. The bank has
become a partner in developing and improving the lives of
those people who are willingly save their money.
Case Overview
The Rural Bank of Cauayan-Tuamauini Branch is one the
Rural Banks in region 2. All employees have their own
duties and responsibilities assigned to achieve its
objectives of the Bank. The bank is open from Monday to
Friday at regular time from 8: O’clock in the morning to
3: Oclock in the afternoon.
Case Problem
Tumauini is a promising town where a lot of investors
have already put their businesses. One of these is the
increasing number of the Commercial Banks. The problem
being encountered of the Rural Bank was some of the
depositors and lenders preferred to go to commercial
banks. Hence the number of transactions continuously
decreasing.
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Alternative Course of Action
The remedy to the problem in preventing clients
to move from Rural Bank to other commercial banks is to
make a way or strategies that to win the heart of their
client. Maybe one of the actions they could do is to
lower their interests rate to the clients who want to
barrow money and some other products of the bank must
have low interest.
Advantage
Through the use of different strategies the Rural
Bank of Cauayan will encourage more depositors and
eventually the Bank will grow.
Disadvantage
Every employee is preoccupied doing their job had
given to them and so advertising their products to the
prospect clients are rarely done.
Evaluation of Alternatives
Based on my observations, here is the evaluation of
alternatives:
Strategies such as distributing flyers and updating the
website of the bank this could be a great help to
increase the number of depositors to the bank. Actual
campaign of the Bank employees to the target clients must
be done regularly. To maintain the regular client and
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encourage new depositors and people who want to barrow
from the bank.
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Conclusion
Based from what I’ve observed, the following
conclusions are drawn:
1.) The Rural bank of Cauayan-Tuamauini Branch has
Insufficient employees.
2.) Lack of Information dissemination about their
products.
Recommendation
Based on the conclusions of this study,the following
recommendations are drawn:
1.) Hire employees to increase the bank’s production and
to inform the clients and possible depositors on what the
bank have been offering to increase its profit.
2.) Seminars must be given to the bank employees on how
to encourage their customers and to become more
productivity in their respective task assign to them.
Implementation Plan
The collaborative effort of all employees and the board
of directors is the key to solve the problem which has
been encountered by the Rural Bank of Cauayan. Improving
the quality of life of every client is the priority of
the bank. To attain the mission and objectives of the
organization.
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CHAPTER V
Updating accounts of the clients Counting and sorting of coins of clients
Checking and transferring of account of

the clients
Preparing official receipt of the clients

in paying their SSS contribution/loan
33

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HGBAQUIRAN COLLEGE

National Highway, Tumauini, Isabela

Students from different field of specialization

future job as they will undergo the On-The Job Training.

The knowledge that they have gained in the four sides of

classroom will be applied through the help and guidance

of the persons who will serve as your superior. All the

learning being acquired from the College professors and

instructors have a great contribution in the workplace

where we apply the teachings that they had taught us.

The classroom is a great starting point for

learning but the practical application of that learning

is essential as the Ojt student apply what he/she has

In the respective place where we render our services a

lot of lessons and new ideas are learned. There are

circumstances we cannot understand some of the

transactions of the bank but the employees are willing to

teach us to develop our skills in solving some of the

problems we have encountered.

It is a great opportunity we have received when we

have the chance to render our services working to a place

where we can maximize our potentials and skills.

opportunity and develop myself in all aspects.

The RURAL BANK OF CAUAYAN INC. was established on

April 7,1965. It is the pioneer bank in Cauayan, Isabela

founded by Dr. and Mrs. Ireneo C. Bucag Sr. and its

incorporator namely: Mr. Domingo San Pedro, Mrs. Aurea B.

Carpio, Mr. Antonio M. Perez, Mrs. Lourdes Cruz, and Mr.

The simplified and affordable credit window that it

offers immediately became a word of mouth among farmers

and businessmen in Cauayan , Isabela and its nearby

municipalities. Since then, it has not stopped counting

more and more satisfied and loyal customers.

Because of this, Rural Bank of Cauayan Inc. started

branching out. Six (6) branches were opened from 1990 to

2000, Eight (8) other branches were inaugurated from

2001-2010, and 3 more branches started operating from

As of now, Rural Bank of Cauayan Inc. has a total of 20

branches and 1 Extension Office operating in four

provinces in Region 2–Isabela, Cagayan, Quirino and Nueva

total of 217 employees.

The bank’s tremendous growth over the years was

fueled by the active & dynamic stewardship of its Members

of the Board namely: Dr. Eduardo R. Bucag, Chairman of

the Board, Mr. Edgardo R. Bucag, President, Mr. Ireneo R.

Bucag Jr., Board of Director, Mr. Ronaldo R. Bucag, Board

of Director, Mrs. Juana R. Bucag, Founder, Ms. Teresita

R. San Pedro, Board of Director, Mr. Danilo San Pedro,

Board of Director and independent Directors; Mr. Cezar G.

Guzman, Mr. Eduardo R. Condat

Social responsibilities have been a part of Rural

Bank of Cauayan’s distinctiveness. For 5 straight years

the bank have been conducting Job fair in partnership

with LGU Cauayan, DOLE & POEA as a simple way of helping

the jobseekers find their employment. Last January 2015,

Rural Bank of Cauayan sponsored a 3-day medical, dental,

surgical and ophthalmology mission in cooperation with

Wichita Falls Country Medical Alliance of North Texas and

LGU Cauayan. Local and Fil-Am Doctors from USA

collaborated to provide free medical aid to those who are

less fortunate in life in Isabela.

the biggest rural bank in the region and has been