BANK-OF-THE-PHILIPPINE-ISLANDS (1).docx

May 23, 2018 | Author: Caryl Almira Sayre | Category: Bdo Unibank, Banks, Securities (Finance), Financial Analyst, Automated Teller Machine
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I.

PURPOSE  The purpose of this nancial analysis report is to consider Bank of  the Philippine Island's exposure to risks before making a trading or investing investing decision decision in the bank's nance or stocks. The analysts analysts will also determine how protable and liuid the bank is over its three years of operations from !"#! to !"#$ by analy%ing the entity&s consol consolida idated ted nanci nancial al statem statement ents. s. The users users of these these nanci nancial al statements include the potential investors and the company. The anal analys ysts ts will the then giv give recom ecomm menda endati tion ons s for for the the enti ntity&s ty&s improvement.

II.

CORPORATE OV OVERVIEW A. INDUSTRY INDUSTRY ANAL ANALYSIS Bank of the Philippine Islands is a bank that engages in the provision of commercial banking services. Its nancial services are are the econo economic mic servi services ces provi provided ded by the nance nance indust industry ry whic which h enco encomp mpas asse ses s a broa broad d rang range e of busi busine ness ss that that mana manage ge money money including including credit credit unions unions banks credit(c credit(card ard companies companies insurance companies accountancy companies consumer(nance consumer(nance comp compan anie ies s stoc stock k brok broker erage ages s inve invest stme ment nt fund funds s and some some government(sponsored government(sponsor ed enterprises.  The Bank o)ers wholesale and retail lending and facilitates overseas *ilipino *ilipino +,*- remittances bank assurance asset nance and and leas leasin ing g gov governm ernmen entt sec securi uritie ties deal dealiing ng secu securrities ties distribution and foreign exchange. The Bank o)ers corporate commercial and retail banking products. The Bank has two maor categories for products and services. The rst category covers its core core nancial nancial intermedi intermediation ation business business which which includes includes deposit deposit taking lending and securities investments. The second category covers services ancillary to the Banks' nancial intermediation busi busine ness. ss. Thes These e incl includ ude e inve invest stme ment nt banki banking ng and corp corpor orate ate nance asset management and trust services foreign exchange secu securrities ties dist distrribut ibutiion on sec securit uritiies trad tradin ing g cre credit dit card ard inte interrnatio national nal trad trade e tran transac sacti tion ons s draf drafts ts fund fund tran transfe sfers rs and and deposit related services. In /lobal 0arkets their core competence is the management of  the bank&s positions in liuidity interest rates foreign exchange and xed income capital markets instruments. They are one of  the largest 1ligible 2ealers in government securities and are a maor counterparty counterparty to the Bureau Bureau of the Treasury reasury +BTr-. +BTr-. Their Bank Bank of of the the Phil Philip ippi pine ne Isl Islan ands ds

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prudent stance in markets risk(taking resulted in signicant retention of comprehensive income from net income underscoring their focus on uality of earnings and their desire to achieve protability through the interest rate cycle.  They retain in(house economists who conduct extensive research on Philippine and global macro(economic trends. *urthermore they gather market intelligence through formal advisory arrangements with maor international banks and asset managers. *inally they have reinforced their sales and distribution teams to improve across(the(board connectivity with institutional corporate private banking and retail clients thereby improving their intelligence about market movements and generating 3ow(related volume and revenues. They are a signicant complement to BPI 4apital as it increases its capital markets origination activity and builds out its syndicate functions. In !"#$ they opened investments and foreign exchange centers in 0anila and 5ue%on 4ity6 we also plan to open yet another in 4ebu 4ity in *ebruary !"#7. They have also strategically placed marketing units present in areas like 4ebu 2avao and Pampanga complementing the ability of our branch network to provide funding foreign exchange and hedging products to our clients. 8e are committed to providing services tailored to the local needs of its clients needing to access fast(moving global and capital markets.  Their performance in /lobal 0arkets points to signicant opportunities for earnings growth for BPI9 : ;warded by the BT< as the !nd Best Performing /overnment =ecurities 1ligible 2ealer6 : o. ? by the Philippine 2ealing and 1xchange 4orporation&s xed income exchange6 : ;warded ,verall Best @ocal 4urrency Interest
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