LANDBANK

Products and Services

for OFWs
Programs and Services
for OFWs
Presentation Outline
1. ORG Organizational Structure
2. OFW Stock Estimates
3. LANDBANK Overseas Network
4. ORG Clients
5. ORG Products and Services
OFWs
Prior to Departure
At the Foreign Domicile
Corporate and Institutions
Presentation Outline

6. Land Bank Remittance System (LBRS)

7. Benefits to Field Units
8. Prospective Clients for Field Units
9. Mock PDOS Lecture
10.Your Thoughts
 ORG Structure
EVP Jocelyn dG. Cabreza
Head, BBS

VP Renato G. Eje
Acting Head, ORG

Overseas Remittance
Marketing Offices
(ORMO)
Domestic Remittance Overseas Remittance
Marketing Department Marketing & Support Dept.
(DRMD) (ORMSD)
Head, AVP James Figueras Head, Atty. Reo S. Andarino
 OFW Stock Estimates
Based on stock estimate of Commission on
Filipino Overseas (CFO) for 2012, there are
more than 10 million Filipinos abroad.
LANDBANK Overseas Network
Visit www.landbank.com for:
Branch addresses and contact details of
partners abroad (listed per country)
Contact details of LBP Overseas
Representative Officers (OROs)
Who are the ORG Clients?
Who are the ORG Clients?
Individuals (land-based
and sea-based)
OFWs
Beneficiaries
Seafarers
Who are the ORG Clients?
Corporate/Institutions
Banks
Remittance
Agencies
Manning Agencies
Shipping Agencies
Partner-Paying
Agents or Payout
Outlets
Couriers
Merchants
 Who are the ORG Clients?
Government
Agencies/Offices
Embassy (DFA)
POEA
DOLE
OWWA
CFO
Pag-Ibig
SSS
Philhealth
Bank Products and
Services Offered to Overseas
Filipinos
EO No. 055 s. 2012, Guidelines
on Handling Overseas Filipino
accounts
 OFW Account Product Features
FCDU ($) Savings
PESO (PHP) Savings Accounts
Accounts
Overseas ATM
(ORGs
OFW ATM (thru
officially OFW US Dollar
LBP Branches
designated/ Passbook Passbook
only)
authorized
personnel)
Product Type 308 114 301 120
Service Charge Type R U R O
Opening/Initial Amount P 100 P 100 P 100 $ 10
Maintaining ADB 0 P 5,000 0 $ 10
ADB to Earn Interest P 500 P 5,000 P 500 $ 500
Dormancy Fee P0 P 200 P0 $2
Service charge for
accounts falling below 0 P 200 0 $2
the required ADB
OFW Account Product Features
Product type 308 and 301 differentiation:
Product type 308
Instant ATMs issued by ORG
Starts with branch code of servicing branches
(340 Cash Dept. and 170 OWWA EO)
Product Type 301
Issued by the branches to walk-in individual clients
or to those with ORG referrals
BAGONG BAYANI ATM CARD
 Services for Individual Clients
Pre-Departure Orientation Seminar (PDOS)
Conducted in coordination
with the POEA, OWWA, CFO
and LCDFI
briefing of OFWs on the
circumstances that await them
abroad.
educating the participants on
how to optimize their earnings
by introducing various bank
deposit (EO 055 s. 2012) and
investment products
LANDBANKs PDOS venues:
1. Commission on Filipinos Overseas (CFO)
2. Philippine Overseas Employment Administration (POEA)
3. Overseas Workers Welfare Administration (OWWA)
4. Land-based and Sea-based agencies
Services for Individual Clients
Deposit Account Opening
we encourage them to
open accounts with our
branches.
we provide referral
letters which they will
present to their branch
of choice. These referral
letters maybe used by
both the OFW and the
beneficiaries.
only 1 valid photo-
bearing ID is required as
proof of identity
The accounts are tagged
as OFW Account
Services for Individual Clients
Overseas
Facilitation of deposit account-opening of OFWs abroad
based on EO 055 s. 2012 and other deposit products
(ESP, CTD, etc.)
Cross-selling of Land Bank products and services:
Loans (OFW-RP, 3B Program)
Trust and Investment Products
Treasury Products
Credit Cards
Special Assets for Sale
Services for Corporate and
Institutional Accounts
Foreign Exchange conversion
Real-time remittance system (LBRS):
Credit to LBP accounts (PHP and USD)
Credit to other bank accounts (PHP and USD)
Cash pickup at LBP branches (PHP)
Account opening (PHP and USD)
Cash payout at Partner-Paying Agents (e.g.,
Palawan Pawnshop, Lhuiller, etc.)
Door-to-door delivery
Services for Corporate and
Institutional Accounts
Cross-selling of other LANDBANK products and
services
Deposits (SA, HYSA, time deposits, etc.)
Loans
Trust and other Investments Products
Import/Export Transactions
ORG Services
for Government Agencies/Offices
Joint efforts with Philippine embassies and
attached agencies in reaching Filipino
communities abroad
Remittance & banking needs of Philippine
embassies and attached agencies (SSS, OWWA,
DOLE, Pag-ibig)
Facilitation of remittance of donations,
collections, contributions, and payments from
abroad
Assistance to Philippine Embassies and
attached agencies in their various overseas
projects for OFs
 LANDBANK
Remittance System
(LBRS)

The Banks Real-Time

Remittance System
Definition of Terms
Beneficiary family member or relative whom the OFW/remitter
sends remittances

Create Remittance - LBRS front-office module wherein user of

RAP encodes remittance transaction details directly in the
System

Courier door-to-door service provider

EPCS Electronic Peso Clearing System. An inter-bank

account-to-account fund transfer system for peso transactions
that supports bulk, recurring, non-time-sensitive payment and
collection transactions. Transactions are sent end of day

File Upload payroll or payment order transactions uploaded

manually in the LBRS by the RAP
Definition of Terms
GSRT Gross Settlement Real Time. A system that is used to
facilitate real-time transfer of US Dollar transactions from one
local bank to another, with Citibank-Manila as the settlement
bank

LBRS Land Bank Remittance System. The Banks real-time

remittance system

PDDTS Philippine Domestic Dollar Transfer System. A system

that allows domestic interbank US Dollar transfer/trading.
Transactions are sent end of day

PhilpassRemit BSPs inter-bank Peso settlement system for

OFW remittances

PPA Partner-Paying Agent; a company which serves as an

intermediary for the cash pickup settlement of remittances
Definition of Terms
RAP Remittance Agency Partner. Institutions authorized to
collect and transfer remittances from either domestic or
overseas sources for settlement to beneficiaries in the
Philippines. These may be remittance companies, partner
banks, manning agencies, money exchange companies, etc.

RAR Remittance Acknowledgement Receipt; document

printed by LBP branch authorized user upon validation of
remittance claim

RCF Remittance Claim Form; form filled out by beneficiary

with remittance details to claim remittance at the branch
Definition of Terms
RTGS- Real-Time Gross Settlement. An automated facility of
the BSP to effect high-value payment instructions for Peso
transactions between banks through their respective deposit
accounts maintained with BSP

Self-Allottee - a remitter who remits to his own bank deposit

account

sFTP secured File Transfer Protocol. Mode of data

transmission by RAP wherein files containing remittance
transactions for batch processing are transferred to a shared
folder integrated with the LBRS

Webservice - remittance transactions are sent via Application

Programming Interface (API) by the RAPs own remittance
system that is interfaced with the LBRS
 Remittance Services
Real-time remittance through LBP
partners using the LBRS.
Credit to LBP accounts (PHP
and USD)
Credit to non-LBP bank
accounts (PHP and USD)
Cash pickup at LBP branches
(PHP)
Account opening through the
system(PHP and USD)
Cash payout at Partner-Paying
Agents (e.g., Palawan
Pawnshop, M Lhuiller, GPRS,
etc.)
Door-to-Door Delivery
Bills Payment
 LBRS
File Upload RAP Process Flow
OFW/Remitter Create
Remittance
Webservice
sFTP

Bills Payment
LBRS
CTA LBRS Merchant
Cash Pick- LANDBANK REMITTANCE SYSTEM
up Cash Payout
Account at PPA
Opening CTOB DTD
PPA
PhilPaSS-Remit
EPCS/PDDTS
RTGS/GSRT
Branch
Courier

Beneficiary
Beneficiary Bank Beneficiary Beneficiary

Beneficiary
LBRS Back-Office Module
 LBRS Default ID

BRANCH CODE

LBP ID

PASSWORD

USERNAME: A123

DEFAULT PASSWORD: A123DJ

EX. NAME: JUAN DALITA

ID: A123
 Process Flow
CASH PICK-UP AT ANY LBP BRANCH
BENEFICIARY NEW ACCOUNTS CLERK CASHIER TELLER

LANDBANK REMITTANCE SYSTEM

1. Fill-up RCF 2. Use LBRS to validate 8. Pay out

RCF details beneficiary

9. Receive remittance 3. Affix signature on RCF 4. Review RCF details

payment and sign RAR if valid vs LBRS

6. Print RAR, attach RCF 5. Authorize remittance

and forward to Cashier claim (Override)
for signature
7. Affix signature on RAR and
endorse to Teller for remittance
payment
 Process Flow
ACCOUNT OPENING SELF ALLOTEE (activities abroad)
OVERSEAS REMITTANCE OFW CLIENT REMITTANCE AGENCY PARTNER
OFFICER (ORO)

RAP

1. Market to potential 2. Provide required 4. Process and send

OFW clients account opening remittance to initially
documents to ORO fund the account thru
LBRS
3. Perform KYC, refer clients
to RAP, email scanned
docs/send originals to ORG
 Process Flow
ACCOUNT OPENING SELF ALLOTEE (activities at the branch)
ORG PERSONNEL NEW ACCOUNTS CLERK CASHIER

FIAS

LBRS
LANDBANK REMITTANCE SYSTEM
LBRS
LANDBANK REMITTANCE SYSTEM

1. Fax emailed 2. Use LBRS to validate

documents to branch remittance details

3. Assign a/c number

4. Approve opening of
5. Open account in FIAS account

6. Update Account 7. Authorize Account

Opening in LBRS Opening in LBRS
 Process Flow
ACCOUNT OPENING BENEFICIARY
BENEFICIARY NEW ACCOUNTS CLERK SUPERVISOR

FIAS

LBRS
LANDBANK REMITTANCE SYSTEM
LBRS
LANDBANK REMITTANCE SYSTEM

1. Fill up RCF 2. Use LBRS to validate remittance

details. If valid, ask the beneficiary to
3. Accomplish accomplish account opening forms
account opening
4. Perform KYC 6. Approve account
forms and give 1
opening in FIAS
valid ID 5. Assigns account no.
7. Opens account in FIAS
9. Authorize Account
8. Update Account Opening Opening in the LBRS
in LBRS and input acct. no.
 DETAILED PROCEDURE IN HANDLING BRANCH TRANSACTION

CASH PAYOUT PICK UP AT ANY LBP BRANCH

Teller
Use the Consumer Terminal (CT) and access Miscellaneous
Cash out to post the remittance payment, amount shall be
based in RAR and it shall be used to validate the transaction
Ensure that the proceeds of remittance shall be received by
the intended beneficiary

Pay the beneficiary and request them to affix their signature

and date on the Received by portion of the RAR
Copies of RAR shall be distributed to the following:
1. Copy 1 Beneficiary
2. Copy 2 Teller
DETAILED PROCEDURE IN HANDLING BRANCH TRANSACTION
CASH PAYOUT PICK UP AT ANY LBP BRANCH (END OF DAY BALANCING)
Teller
Print Teller Unit Code Total (TUCT) at the end of the day and run-up
RAR paid for the day
Ensure that the TUCT (LBRS cash payout portion) tallies with the
RAR total
Forward copy of all RAR to CASA bookkeeper for reconciliation

Bookkeeper
Print the Consolidated Unit Code Total (CUCT) at the end of the day
Consolidate total Cash Pickup transactions using RAR
Reconcile the amount with the CUCT LBRS Cash payout
Debit the total amount of Cash pickup transactions from FDRD
clearing account 9982-5550-08, use the CUCT to validate the
transaction
Note: Beginning Balance of FDRD Clearing Account is zero (0). All debits
will be swept during batch
File the copies of RAR for future references
 DETAILED PROCEDURE IN HANDLING BRANCH TRANSACTION
CASH PAYOUT PICK UP AT ANY LBP BRANCH (END OF DAY BALANCING)
BOOKING OF CASH PAYOUT TRANSACTIONS
Bookeeper Non-Clustered/Accounting Center

Based on the SIBT/SIBT-Recap -As Originating book the

remittance transaction in the FMS contra FDRD
In case of discrepancy check the DCA report and un-
posted/exception item report

FDRD designated personnel

Based on SIBT/SIBT-Recap As Responding, reverse the POP using the
total amount reflected in the report (or check the handoff file provided
by LBRS if applicable)
LANDBANK Remittance System

Whats next for LBRS?

Release 2 includes:
o FX Conversion for RAPs (ORG)
o Demand Drafts
o Wire Transfer (OTT, RTGS, GSRT) Outgoing
Remittances
o Foreign Checks for Clearing
o Incoming SWIFT Remittances
Benefits to Field Units
o Full Income Imputation
o Remittance (cash pickups)
o Captured market (cash pick-up)
o Increase in private deposits
o Cross-selling of Bank products
o Increase tie-ups and collateral businesses
with private clients
o Process improvement (no need to prepare for
IOA and confirmation)
o Increase Business Unit Earnings (BUE)
Prospective Clients for Field Units
OFWs and their beneficiaries
Incoming remittances
Captured market for offering bank products

Corporate and institutional clients

(RAPs, PPAs, agencies, merchants, couriers, etc.)
Settlement branch of account
Payrolls, remittances, etc.
Cash management solutions
Cross-selling of other bank products
Increase in business transactions
Frequently Asked Questions
Fees and charges?
OFW BENEFICIARY RAP PPA
Depends on RAP Php 0-50 for Php 50 for Php 50-120
CTAPHP CTAPHP
USD 0-5 for USD 5 for
CTAUSD CTAUSD
Php 0-100 for
Cash Pick-up
Frequently Asked Questions
What is in the SMS Notification?
Credit to LBP account
Frequently Asked Questions
Cash pick-up
at LBP branch
Frequently Asked Questions
Shall we require remittance beneficiary to
present SMS Notification?
o The beneficiary is not required to present the
SMS notification because the branch can verify
the remittance thru the RCF and validate this
thru the LBRS.
o The SMS Notification includes remittance
details and is an added-value service for
beneficiaries with cell phones.
Frequently Asked Questions
What is the proper handling of queries regarding
LBRS cash pick-up and account opening
transactions?
1. Request the beneficiary to fill out Remittance Claim
Form (RCF).
2. Inquire the remittance details in the LBRS. If record
not found, request the beneficiary to confirm the
details with the remitter
Frequently Asked Questions

Contact ORMSD/DRMD to verify the

transaction. Request the following
information from the beneficiary:
o Country where the remittance came from
o Name of the overseas RAP where the
remitter sent the remittance
Frequently Asked Questions
What is the procedure for opening an OF account?
EO No. 055 series of 2012
o LBP Servicing Branch shall properly identify whether the new
depositor is an OF or OF Designated Beneficiary, and properly
stamp the CISSC with OF Account.

o If the depositor is an OF Designated Beneficiary, basic

information of the OF such as OFs Name, Relationship to OF,
and Overseas OFs Address shall be specified in the Remarks
portion of the CISSC. Referral Letter from ORMSD/DRMD
shall no longer be required.

o Existing procedures on the deposit account opening shall be

followed.
 Low-Cost Deposits Accounts
As of December 31, 2014
As of December 31, 2014
GROUP OUTSTANDING BALANCE No. of
ADB (YTD, PHP)
(PHP) Accounts
NORTH NCRBG 909,376,545.94 859,388,357.13 38,809
SOUTH NCRBG 309,916,078.96 256,506,108.74 18,489
NLBG 52,082,254.25 53,691,016.58 1,961
CLBG 60,553,292.98 59,600,436.65 2,829
SWLBG 88,632,116.35 82,931,254.88 3,711
SELBG 60,303,509.97 55,525,401.86 2,249
WVBG 46,154,670.80 47,786,886.09 2,831
EVBG 74,624,728.50 75,506,810.65 3,285
WMBG 21,770,566.11 19,979,248.50 1,550
EMBG 15,303,692.90 17,705,821.17 1,730
TOTAL 1,638,717,456.76 1,528,621,342.25 77,444
 OFW Deposit Accounts
As of December 31, 2014
EMBG
WMBG 1%
1%

EVBG
5%
WVBG
3%
GROUP ADB (YTD, PHP) SELBG
4%

SWLBG
NORTH NCRBG 859,388,357.13 5%
SOUTH NCRBG 256,506,108.74
CLBG
NLBG 53,691,016.58 4%
CLBG 59,600,436.65
NLBG
SWLBG 82,931,254.88 4%

SELBG 55,525,401.86 NORTH NCRBG

56%
WVBG 47,786,886.09
EVBG 75,506,810.65
SOUTH NCRBG
WMBG 19,979,248.50 17%

EMBG 17,705,821.17
Total OFW Deposits 1,528,621,342.25
ISSUES WITH BRANCHES
ISSUES AND CONCERNS
1. Branch does not allow the OFW ATM Account
despite presentation of one (1) unexpired photo
bearing ID and Referral Letter
2. Customer Associate instructs the OFW or OFW
beneficiary to go to DRMD and have the Referral
Letter originally signed by authorized signatory that
most of the time irritates the OFWs or OFW
beneficiaries
ACTIONS TAKEN
DRMD faxed a copy of the BSP Circular
on Valid ID cards for Financial
Transactions and Executive Order (EO)
No. 55 and discussed it with the
branch personnel.
Reminded the Customer Associate of
the provision in the EO No. 55 and
provided copy of the same. DRMD
still signs the Referral Letter just to
facilitate/hasten the account opening
and appease the already irritated
OFWs or OFW beneficiaries.
ISSUES AND CONCERNS
3. OFW and OFW beneficiaries of Seabird were turned-
away and advised to open their allotment account
to an LBP branch near their residence. Complaint
were forwarded by the OFWs and OFW beneficiaries
to the Principal (Ship Owner) who instructed our
agency client (Seabird Ship Management) to transfer
their inward remittance to UCPB.
4.0Clients are having a hard time transacting Inter-
branch (deposits, withdrawals, fund transfers, etc.)
ACTIONS TAKEN
Called on branches concerned and
requested them to give priority and
assistance to OFWs and OFW
beneficiaries to avoid loosing volume of
inward FX remittance again
Made follow-up with the branch to
expedite the transactions and assist
clients with their Inter-branch
transactions. Advised them to
coordinate such future transactions
with DRMD.
ISSUES AND CONCERNS
5. We get feedback that LBP front liners are not
pleasant and snob with depositors and clients.
6. Clients are complaining of long queues in our
branches
7. Branch personnel are not aware of the remittance
products and services of Landbank.
ACTIONS TAKEN
Coordinated with branches to extend
extra-mile assistance and prioritize
ORG clients .
Coordinated with branches to
prioritize ORG clients and to give
premium card to valued clients.
ORG actively participated in various
branch seminars to launch and discuss
the OFW Products and Services as
well as the Landbank Remittance
System.
ISSUES AND CONCERNS
8. LBRS users of some branches were not yet enrolled
or not aware of the cash pick-up transaction thru
LBRS . Actual
transaction of Cash pick-up done by one of our
clients IREMIT to some of our branches namely:
DOTC, DECS EO, Pasig Capitol, Intramuros,
Meycauyan, East Avenue and Solano. They also
claimed that they did not attend LBRS roll out
conducted by SID. But verification made with SID,
confirmation of attendance of
branch personnel on the said roll-out.
9. Some branches are requiring documents more than
what is required under EO 55 Series of 2012
Some branches are still requiring referral letter
from ORG despite it is no longer required per EO
55
ACTIONS TAKEN
ORG issued memo reminders to
branches dated August 13, 2014 about
the implementation of LBRS cash Pick-
up service and to immediately update
their enrolment in the LBRS in
coordination with SID. Memo was
posted to the IDRARS, faxed to
respective GHs, and made an SMS
blast to branch managers
ORMSD called the attention of
branches
ISSUES AND CONCERNS ACTIONS TAKEN

10. One beneficiary was requested to submit proof of ORMSD called the attention of the
employment of the remitter before opening the ADM
account of beneficiary

11. Some OFs/benes were encouraged to open ORMSD called the attention of the
regular instead of OFW accounts branches

12. One beneficiary was requested to submit a ORMSD called the attention of the
photocopy of student ID authenticated by the ADM
school registrar
USAPANG
PANANALAPI
para sa

OVERSEAS
FILIPINOS
 OUTLINE
1. BUHAY OFW: Sulyap sa buhay ng isang OFW
Mga kadahilanan ng pangingibang bansa
Ang Realidad: Saan napupunta ang iyong pera?

2. FINANCIAL PLANNING
3. FINANCIAL FREEDOM: Mga Paraan upang makamit
ang kalayaang pinansyal?
Mag-Plano
Mag-Ipon
Mamuhunan
Isang pag-sulyap sa buhay ng isang OFW

I. BUHAY OFW
BUHAY OFW:
Bakit nangingibang bansa ang maraming Pilipino?

Mabigyan ng edukasyon Mabigyan ng

Magkaroon ang mga anak komportableng buhay
ng Bahay ang pamilya
 BUHAY OFW:
Mga kadahilanan ng pang-iibang bansa

Mapaghandaan ang mga Mabigyan ang sarili ng kalayaan

sakuna o problema sa pananalapi
 BUHAY OFW: Ang Realidad
Saan napupunta ang iyong pera?

Sa iyong KITA
Bank
Account

Mga
luho,
Suporta para sa
bisyo.
iyong mga
atbp.
magulang at
kamag-anak Insurance
Premiums
(life, health,
Sa retirement)
Gastusin
edukasyon
sa bahay
ng inyong
mga anak
II. FINANCIAL PLANNING
 FINANCIAL PLANNING
Bakit mahalagang magkaroon ng Planong
Pinansyal (Financial Plan):
Mabibigyan ka ng malinaw na
gabay kung papaano
pangalagaan at palaguin ang
iyong pera.
Magiging basehan mo ito para
sa matalinong pagpapasya
Mapaghahandaan mo ang mga
pagbabago ng ekonomiya
III. FINANCIAL FREEDOM
3 HAKBANG SA PAGKAMIT NG
KALAYAAN SA PANANALAPI:

3
2 Mamuhunan
Ipon
1
Plano
MAG-PLANO
Ang UNANG HAKBANG sa pagkamit
ng kalayaan sa pananalapi.
HAKBANG SA FINANCIAL PLANNING:
a. Gumawa ng layuning pampamilya;
b. Gumawa ng takdang petsa para sa pagkamit ng mga
layunin sa pamilya;
c. Talakayin at tukuyin kung paano makakaambag ang
bawat miyembro sa pag kamit ng layunin ng pamilya;
d. Madalas ipaalala sa lahat ang kanilang pangakong
ambag sa plano;
e. Subaybayan kung nakakamit ng pamilya ang mga
layunin.
 PAG BUO NG LAYUNING PAMPAMILYA
(FAMILY GOALS)
Ang mga layuning pampamilya ay karaniwang
naka sentro sa mga sumusunod:
a. Edukasyon
b. Pabahay o Tirahan
c. Kalusugan
d. Pag-retiro
e. Proteksyon/paghahanda laban sa hindi
inaasahang kaganapan
f. Pag iipon & Pamumuhunan
 MAG-TAKDA NG PETSA
SA PAGKAMIT NG BAWAT LAYUNIN

Mag simula sa pamamagitan ng pag sagot sa mga sumusunod:

Edukasyon Kailan magtatapos ang aking mga anak sa High

School/ Kolehiyo?
Pabahay o tirahan Kailan ako makakabili ng sariling
bahay?
Retiro Anong edad ko nais mag retiro?
Kalusugan at Proteksyon Mayroon bang health plans ang
lahat ng miyembro ng aking pamilya?
Ipon & Pamumuhunan(Investment) Magkano ang dapat
kong itabi para sa aking ipon? Saan at magkano ang dapat
kong i-invest?
 PAANO MAKAKAAMBAG ANG BAWAT
MIYEMBRO NG PAMILYA UPANG MAKAMIT
ANG MGA LAYUNING PANG-PAMILYA
(FAMILY GOALS)?
Kailangan mong mas gawing tiyak ang iyong mga
layunin sa pamamagitan ng pag tanong sa mga
sumusunod:
Sino?
Ano?
Gaano karami?
Kung ano/hanggang saan ang aabutin?
Paano makakaambag ang bawat miyembro ng pamilya
na makasakatuparan ang layuning ito?
MAG-IPON
Ang PANGALAWANG HAKBANG sa
pagkamit ng FINANCIAL FREEDOM
 Ang Kahulugan ng
IPON o SAVINGS:
Ito ay dapat ituring na
isang GASTUSIN !
Isang gastos na BUMIBILI
ng iyong

MAGANDANG
KINABUKASAN.
IPON AY
PARAAN NG PAG TABI
ANG ISANG BAHAGI
NG PERSONAL NA
KITA.
PANGANGASIWA SA PAGDALOY NG PERA
(CASHFLOW)
KARANIWANG KONSEPTO NG
PAG-IIPON

KITA
-
GASTOS
= ?
IPON
 MAGKAROON NG DISIPLINA!

Kita Gastos= IPON

x
Kita IPON = Gastos

Unahing itabi ang para sa ipon
Mga Hadlang sa Pag-iipon
o Pag-papaliban (maana habit)
pag papasabukas ng pag-iipon o pag
sasawalang bahala dito.

o Pagwawaldas o kawalang
disiplina sa pag-gastos
pag-gastos sa mga hindi
kinakailangang bagay; pagbili ng luho;
marangyang pamumuhay.
Mga Hadlang sa Pag-iipon
Kultura ng pagiging pala-asa
Pagiging labis na palaasa sa iba.

Ang buong pamilya ay hindi lang dapat nakadepende

sa isang miyembro ng pamilya!
o Maaring hindi sapat ang kita ng isang OFW upang saklawan
lahat ng gastusin;
o Pagdepende lamang sa kita ng OFW ay nagbibigay sa pamilya
ng isang maling kahulugan ng seguridad at nilalapit lang sila sa
kahinaan at posibilidad na pagkawala ng kita, pag kakasakit at
isang aksidente.
 Planuhin ang BADYET ng Pamilya
1. Isulat/itala ang iyong aktwal na kita at ilista ang mga gastusin.
Ito ay maiipapakita sa iyo kung saan mo nagagastos ang iyong
pera.
Ito ay makatulong sayo na maunawaan kung saan ka
gumagastos ng malaki at kung saan maaari mong makuha ang
iyong mga matitipid.

2. Kailangan mong malaman ang mga sumusunod:

Mag kano at kung saan mo nakukuha ang iyong mga kita
Mag kano at saan mo gagastusin ang iyong kita

3. Planuhin kung papaano mo gagastusin ang iyong pera.

 Kawalan ng Kaalamang Pinansyal
(Lack of Financial Literacy)

pag-gastos sa mga bagay na lumiliit ang

halaga sa pag lipas ng panahon; hindi pag-
alam kung paano lalago ang iyong pera o
paano gumagana para sa iyo..
MAGKANO ANG DAPAT IPUNIN?
HALIMBAWA:

Si Zenaida ay kumikita ng PHP 20,000.00 kada buwan bilang

HSW sa KSA.

LAYUNIN/PLANO: Makapagipon ng PHP 200,000.00

TIMELINE: Sa loob ng DALAWANG TAON

TAKDANG IPON KADA BUWAN: PHP 9,000.00

FORMULA SA PAG-IIPON:

KITA IPON GASTUSIN

20,000.00 - 9,000.00 = 11,000.00
ANG PHP 9,000.00 AY PALAGIANG IPON NYA KADA
BUWAN AT PHP 11,000.00 NAMAN ANG HANGGANAN
NG KANYANG GASTUSIN SA BAWAT BUWAN (MAARI
PA NIYA ITONG PALIITIN SA PAMAMAGITAN NG PAGLILIMITA
NIYA SA MGA DI KINAKAILANGAN PAGKAKAGASTUSAN).

SA LOOB NG DALAWANG TAON SIYA AY

MAKAKAIPON NG:

PHP 9,000.00 X 24 NA BUWAN = PHP 216,000.00

NAKAMIT NIYA ANG KANYANG PLANO NA

MAKAPAGIPON.
Alamin ang pagkakaiba

PANG-
NAIS
NGAILANGAN
PAMUMUHUNAN
Ang PANGATLONG HAKBANG sa
pagkamit ng FINANCIAL FREEDOM
PALAGUIN ANG IYONG PERA
Ipihunan ang iyong ipon sa mga bagay na
may kaugnayan sa paglago ng pera.
PAGANAHIN MO ANG IYONG PERA.
 MAG IPON SA PAMUMUHUNAN

PAG PAPANATILI NG HIGIT PA

sa pera na iyong kinita.

KUMALAP NG HIGIT PA
sa perang iyong itinabi.

$MART MONEY MECHANIC$

6 na simpleng paraan upang mamuhunan

1. Bawasan ang utang at pagsusugal

2. Lending Investments:
o Govt/corporate Bonds
o Bangko
o Pension Plans
3. Real Estate
4. Stock Market
5. Mutual funds
6. Mag Negosyo
BAKIT MAGANDANG MAG-IPON SA
LANDBANK?
o OFFICIAL DEPOSITORY NG REPUBLIKA NG PILIPINAS
o KASAMA SA TOP FIVE BANKS SA BUONG PILIPINAS
o TANGING BANGKO NA MAY BRANCH SA LAHAT NG 83 NA
PROBINSYA NG PILIPINAS
o MAY PINAKAMABABANG REMITTANCE CHARGE
o ONLINE ACCESS SA ACCOUNT
o MABABANG INITIAL DEPOSIT AT MAINTAINING
BALANCE
thank you!