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GREEN BANK. Green Bank. Managing Staff: Taking care of those who take care of our clients Presented at the 3 rd RBAP-MABS National Roundtable April 26-27, 2005. THEN. NOW. GREEN BANK. THE BANK. RURAL GREEN BANK OF CARAGA, INC. The BANK.
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GREEN BANK Green Bank Managing Staff: Taking care of those who take care of our clients Presented at the 3rd RBAP-MABS National Roundtable April 26-27, 2005
THEN NOW GREEN BANK THE BANK RURAL GREEN BANK OF CARAGA, INC.
The BANK • Established in 1975 as RB Nasipit, Inc. • Present owners took over bank in 1989 • Some Financial Indicators, End 2004, in Pesos • Assets: 1.4 Billion • Loan Portfolio: 1.0 Billion • Deposits: 0.82 Billion • Paid up capital: 152.7 million • Total manpower: 467 employees • Branches: 24 GREEN BANK
FINANCIAL PERFORMANCE GREEN BANK
FINANCIAL PERFORMANCE GREEN BANK OF CARAGA, INC.
FINANCIAL PERFORMANCE GREEN BANK
Coverage Caraga Region Misamis Oriental Bukidnon Compostela Valley Davao Norte Leyte Southern Leyte Cebu GREEN BANK OF CARAGA, INC.
Our Mission To devote our financial resources to people living in rural communities, such as farmers, employees (government & private), pensioners, small businessman, barangay officials, and even those rural folks incapable of providing collateral or viable co-makers, in our micro-finance program. GREEN BANK
OUR VISION TO BE ONE OF THE TOP 3 RURAL BANKS IN THE PHILIPPINES in terms of MICROFINANCING, RESOURCES & PROFITABILITY by being the pacesetter in Information Technology Solutions that provide Fast, Efficient, & Responsive products & services to exceed client’s expectations. We care for our highly motivated staff by constantly seeking to better our competencies through strategic alliances, competitive compensation, and benefit package. With all these, GREEN BANK will be known as a Bank of Integrity & Reliability by the entire community. GREEN BANK
GREEN BANK Microfinance Highlights, End 2004 • Green Bank provides micro loans to over 20,000 borrowers with portfolio outstanding amounting to PhP117 million. • Micro loan portfolio is 11% of total bank portfolio. • Services are delivered through 106 Microfinance Staff in 23 branches. • PAR 1 day at 4.3%
GREEN BANK Microfinance Highlights
GREEN BANK Microfinance Highlights
GREEN BANK Organizational Structure GREEN BANK Organizational Chart BOARD OF DIRECTORS Internal Audit Micro Finance Financial Audit Audit Operational Audit Executive Office President of the President Inforamation Finance Micro Finance Operations Admin H.R.D. Accounting Marketing Technology Office Unit Recruitment, Systems Internal Control Advertising & Treasury Lending Center Product Manager Manpower Planning Administration Center Design & Development Record Systems Management Area Compensation Reportorial Development Cash Management Technical Credit and Loans Branches Benefits Support Help Desk - Credit System Specialist Management Field - System Rediscounting Specialist
GREEN BANK Organizational Structure • Human Resource Department takes care of: • manpower planning, recruitment, and training of the microfinance staff; • facilitates employees’ performance appraisal and career advancement; • facilitates the regular review of employees compensation and benefits;
GREEN BANK Green Bank’s HR Management Green Bank’s human resource management practices are based on what our Vision Statement says: “We care for our highly motivated staff by constantly seeking to better our competencies through strategic alliances, competitive compensation, and benefit package.”
GREEN BANK Green Bank’s HR Management • Green Bank has low MF staff turnover rate; • Those who left the microfinance activities of the bank have been mostly promoted to higher responsibilities within the bank.
GREEN BANK Caring for our Human Resources • Green Bank offers good compensation package • based on the Corporate Compensations Survey 2004 • at par with most corporations in Manila • MF supervisor’s position is at same level as bank cashier • Career advancement opportunities are open to microfinance supervisors and account officers • Former MF account officers and supervisors have been promoted to higher positions in the bank as branch managers, supervisors, account managers, internal auditors, loan officers
GREEN BANK Caring for our Human Resources • Continuous training for MF staff and management • Performance Bonuses are based on achievement of Key Results Areas (KRA) • Based branch performance staff can receive up to 20 months pay • Microfinance staff are entitled to performance Based Incentive Scheme, based on EAGLES rating criteria
SSS Balikat ng Bayan Award No. 25 of the top 1000 Centennial Tax Payer of the Philippines LBP ’03 Hall of Fame Award GREEN BANK Citations and Awards