Financial

Institutions
GROUP 3

DAVID, MADLANGBAYAN, MANZO,

MARCEO, MUNOZ, POBLETE, TARCE
 1 INVESTMENT BANKS

2 COMMERCIAL BANKS

Content 3
FINANCIAL SERVICES
CORPORATIONS

4 CREDIT UNIONS

5 PENSION FUNDS
Introduction
Investment Banks
What is Investment Bank?
• also known as underwriters

• help companies raise capital

• act as intermediaries between

security issuers and potential
investors
 EXAMPLES

JPMorgan Chase BPI Capital Corporation

• a multinational bank • wholly owned investment
• a leader in investment banking subsidiary of Bank
banking of the Philippines Island
• offers other financial (BPI)
• offers pre-IPO restructuring,
services such as retail
banking and asset securities distribution and
management to credit cards trading, and many more
Commercial Banks
Commercial
Bank
1 The most common and traditional
bank of all financial institutions

2 There are 45 universal and

commercial banks in the
Philippines Commercial Bank is a financial institutions that
accepts various types of deposits, offers
checking account services, offers various types
3 Makes money from a variety of
of loans and basic financial products like
certificates of deposits and savings account.
fees by earning interest.
50
Examples of Local
40
Commercial Banks :
• MetroBank ( Metropolitan bank)
30 • Landbank of the Philippines
• BDO (Banco de Oro Unibank)
• PNB (Philippine National Bank)
• BPI (Bank of the Philippine Islands)
20
• RCBC (Rizal Commercial
Banking Corporation)

10

0
Item 1 Item 2 Item 3 Item 4 Item 5
Financial Services
Corporations
Financial Services
Corporations
• Are large conglomerates that combine many different financial
institutions within a single corporation.

• The services they provide cover a wider range of financial services

and products.
 EXAMPLES
Banco de Oro Capital First Metro Investment
Investment Corp. Citigroup Inc. Corporation

One of the leading multinational financial specializes in providing

financial institution in institution known for its a wide range of
the Philippines that extensive presence in financial and
offers a wide range of banking, investment investment services to
financial services banking, and financial its clients
services worldwide

• Banking Services • Investment Banking

• Investment Services • Investment Banking • Securities Trading
• Insurance Services • Banking Services
Credit Unions

THE METRO SOUTH

COOPERATIVE BANK
 Credit Unions
• Credit Cooperatives
• Non-profit in nature and all
customers are members
• Exclusive under a particular
circle
Disc.
• Regulated under Cooperative
Development Authority (CDA)
50%
 Benefits and
Disadvatages
Benefits Disadvantages
• Fostering to serve its • Generally Exclusive
members and develop their • Not all are regulated under
circle the PDIC
• Lower interest rates (IR) • Limited Services
on loans and credit; • Limited Technology and
• Higher IR on savings Service Area Coverage
• Better customer service
• Easier to apply for credit
and loans

PLDT Employees Credit
Cooperative, Inc.
Is a multipurpose
cooperative that offers
multiple short and long term
loans for as low as 4.8% pa
Offers savings for upto
6%pa to its members
EXAMPLES
Ayala Multi-Purpose
Cooperative
Offers variety of loans from
petty cash to travel loans
and auto loans
Does not offer Savings but
it gives dividends to its
members depending on their
share capital
The Metro South
Cooperative Bank
Employs internet banking
services from both
InstaPay and PESONet
Offers loans, cash
management services,
and savings/checking
accounts
Pension Funds
PENSION PLANS
A. Defined-Benefit Plan
B. Defined-Contribution Plan
Thank You