Bpi.docx

BANK OF THE PHILIPPINE ISLANDS (Filipino: Bangko ng Kapuluang Pilipinas, Spanish: Banco de las Islas Filipinas, commonly known as BPI; PSE: BPI)  is the oldest bank in the Philippines still in operation. It is the country's third largest bank in terms of assets, the country's second largest bank in terms of market capitalization, and the country's most profitable bank. It is owned by the Ayala Corporation, the largest conglomerate in the Philippines, and is based in Makati's Central Business District, on the corner of Ayala Avenue and Paseo de Roxas. As of 2014, it was listed by Forbes as the Philippines' largest bank in terms of market value and overall ranking.  BPI pioneered rural banking in the Philippines, as its countryside banking operations preceded that of many other banks' rural banking operations by many years. Today, it maintains a large rural branch network, with some branches dating back to the Spanish or American colonial periods. Its network of 831 branches is by far the largest branch network of any bank in the Philippines.  The establishment of BPI, originally known as El Banco Español Filipino de Isabel II, ushered in the start of the Philippine banking and finance industry. The bank performed many functions, from providing credit to the National Treasury to printing and issuing currency, making it in effect the country's first Central Bank. BPI proudly carries on this tradition, financing many private and public sector initiatives and enterprises in support of economic growth and nation building.

 Subsidiaries and partners             

BPI branch at Escolta, Manilawhich occupies the Don Roman Santos Building, former head office of Prudential Bank BPI is divided into the following subsidiaries and affiliates: BPI Capital Corp. BPI Computer Systems Corp. BPI Family Savings Bank BPI Direct Savings Bank BPI Globe BanKO Savings Bank BPI Forex Corp. BPI Foundation, Inc. BPI International Finance Ltd. BPI Investment Management. Inc. BPI Leasing Corp. BPI Operations Mgt. Corp.

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BPI Rental Corp. BPI Securities Corp. BPI/MS Insurance Corp. CityTrust Realty Corp. (inactive) CityTrust Securities Corp.(inactive) FEB SPEED Remittance (inactive) FEB Insurance Brokers, Inc. (inactive) FEB Management, Inc. (inactive) FEB Stock Brokers Inc. (inactive)

 Ownership PCD Nominee Corporation: 33.7213% Ayala Corporation: 21.8426% Ayala DBS Holdings¹: 21.3092% AC International Finance Limited: 8.6965% Roman Catholic Archdiocese of Manila²: 8.4655% Michigan Holdings: 2.0653% While Philippine Central Depository is listed a major shareholder, it is more of a trustee-nominee for all shares lodged in the PCD system rather than a single owner/shareholder. ¹Includes DBS Bank ² Voting powers are under the authority of the Archbishop of Manila.

 Competition BPI's main competitors are BDO and Metrobank. Other competitors include Land Bank of the Philippines, Philippine National Bank, RCBC, DBP, East West Unibank, and Citibank Philippines. BPI does not compete with its two banking partners: BPI Family Savings Bank and BPI Direct Savings Bank. Instead, they offer different levels of services based on the needs of potential BPI clients.

 Value Proposition BPI Direct Savings Bank, a wholly-owned subsidiary of Bank of the Philippine Islands (BPI), is the Philippines’ first internet bank operating in a generally paperless environment with no defined geographical boundaries. It is a testament to BPI’s commitment to deliver the highest standard of banking convenience through the ingenuity of technology and creative management. BPI Direct empowers its customers, including Filipinos around the globe and the new generation in this electronic age, to be in full control of their finances as it made banking available 24/7, wherever they may be. Truly, a bank away from home.

 Extensive Services BPI's services include consumer banking and lending, asset management, insurance, securities brokerage and distribution, foreign exchange, leasing, and corporate and investment banking. The bank has a network of over 800 branches in the Philippines, Hong Kong and Europe, and close to 3,000 ATMs and CDMs (cash deposit machines).

 Banking Services  Bills Payment BPI gives its account holders a convenient and safe way to pay their bills while avoiding the hassles of getting in line at Bayad Centers or other merchant branches with the assurance that bills get paid on time. With an easy-to-use platform and a highly intuitive interface, BPI clients can pay their bills at the online banking facility for over 300 merchants including schools, utilities, memberships and telecommunications companies. They can even donate to their favorite foundations.

 Fund Transfer  

Express Online - Transfer to Enrolled Accounts Global Payments

 Online Banking Only BPI Online Banking provides the ability to do over 100 transactions, in a comprehensive, single sign-on platform. With its unique transactions such as Investments Online, Online Foreign Exchange, BPI Express Assist (BEA) Online, and payments to over 300 merchants, this innovation is definitely one of the best online platforms created. 

Investing Online –You can easily apply for an investment account, view your account information, or monitor your investment portfolio with ease.

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Online Bills Payment – BPI provides a quick and easy way to pay for products and services offered by over 300 partner merchants. Timeslot Reservation –BPI Express Assist (BEA) Online reserves a timeslot. Submit all your branch transactions and get your queue number immediately and show up for your appointment to complete the transaction. Online Statement of Account –The banking platform allows you to view your statement of account online. Simplifying the process of managing your BPI investment, credit card, savings and checking account. Email Notifications – Allows you to receive an email notification for every successful login to your account. This helps you monitor your own banking transactions and find out if anyone is trying to access your account. ATM Withdrawal Notification – Activate ATM Withdrawal Notifications to secure your account and keep track of all the withdrawal transactions you make. Depending on your preferences, you may receive an SMS or email notification, or both. It also allows you to do the necessary action when an unauthorized person withdraws money from your ATM card.

 Phone Banking  Lets you conveniently bank using a phone. From inquiring your balance to paying bills and even association dues, our phone banking facility offers comprehensive services.

 Mobile Banking  Enroll in the SIM banking facility whether you are a Globe or Smart subscriber. Get instant access to a quick and easy banking experience. Anyone can check their balance, pay bills, reload mobile phones and transfer funds.

 Branch Banking 

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Most banks have hard and fast rules when it comes to the way you transact. No wonder a lot of people find it intimidating and even tiresome to visit a branch. That's why at BPI, we've made banking so easy! You'll be amazed at the number of things you can finally do: Encash checks, request for a new checkbook or ATM card and do other transactions in any branch that's convenient to you. In other banks, important transactions (like encashing checks, ordering checkbooks, replacing your lost ATM card or applying for a manager's check) must be done in the branch where you opened your account. In BPI, you can do a wide range of transactions in any branch near you! You have more than 600 BPI

branches to choose from, so you can save time and transportation cost. 

Deposit to your account from any branch nationwide – with no interbranch deposit charges! In other banks, you'll be charged a fee when you deposit to an account in a different region. In BPI, you can deposit to your account from any branch all over the country without any charges. Why pay for the service that you deserve?

 Clear your BPI check in real-time. Waiting for 3 days for your check to get cleared can be such a hassle, especially if the money is for a business transaction or a family emergency. Now, you can enjoy real-time check clearing for BPI checks deposited in any BPI branch. It happens instantly, it's like you deposited cash! 

Forget about filling out deposit or withdrawal slips and standing in line at the teller. Banking need not be stressful and time-consuming for you, thanks to BPI branches' computerized queuing system called BPI Express Assist. All you have to do is go to any of the branch's touch-screen self-service terminals, type in your desired banking transaction, get your queue number, sit and wait for your number to be called. No need to write on deposit or withdrawal slips! And because your information is already computerized for the tellers' easy reference, transaction process is cut short, giving you more time for things that matter. (BEA is available in selected branches)

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Do your banking at the branch – even after branch banking hours Simply head to a BPI 24/7 Banking Zone at selected BPI branches anytime to pay bills, reload your prepaid mobile phone, transfer funds, check your balance and more. These zones have an ATM and a BPI Express Online kiosk and are open beyond regular banking hours—including weekends and holidays!

 ATM Banking 

BPI ATMs provide cash for the daily needs of the client, and offers other banking services that can be done through ATMs anytime, anywhere. BPI ATM not only primarily caters to BPI clients, but also provides services to local non-BPI ATM card holders and foreigners, international visitors, and expats with ATM cards. With the BPI ATM, you can enjoy hassle-free banking with a range of features. Our services include cash withdrawal, fast cash, account balance inquiry, funds transfer, bills payment, prepaid phone reloading and many others. BPI ATMs also have a special services facility that includes Online Banking and

Mobile Banking enrollments activations, and PIN change. BPI ATM has one of the widest network of self-service machines across the country, with a number of off-site locations.

 Cash Accept Machine

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The Cash Accept Machine is a deposit facility that allows BPI and BPI Family Savings Bank cardholders to make actual cash deposits via a machine that accepts cash in PHP 100, PHP 500 and PHP 1000 denominations. Deposits are credited in real time. As proof of your Express Deposit transaction, you get a transaction receipt. No forms to fill up. No need to put your cash in an envelope. The BPI Cash Accept Machine can also provide the following services: Balance Inquiry Funds Transfer Bills Payment Prepaid Cellphone Reloading (Globe and Touch Mobile) Prepaid Card/ Express Cash Reloading

 BPI Online Beta        

Discover our new features today. Here are some of the features available in BPI Online Beta when you try it today: View the details of your savings and checking, prepaid card, credit card and investments accounts Pay bills Transfer funds to own, enrolled accounts and any BPI account, now with QR code (New) New: Customize your debit card settings New: Inquire your remittance status New: Reload to more prepaid merchants

 Foreign Exchange Connect to opportunities around the world through Foreign Exchange. Foreign exchange, or Forex, is the conversion of one currency to another. Through our Forex solutions, you can travel, invest, and fulfill your loved ones' needs abroad.

 Deposits

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Savings  Advance Savings* BPI Advance Savings account, an account that allows you to enjoy the interest of your deposit ahead of time.  Padala Moneyger An affordable savings account specially designed for those who receive remittances from abroad. Ito ang safe at secure na paraan! At dahil diretso sa account, madali nang imanage ang padala.  Kaya Savings Kaya Savings for a worry-free and easy savings. It has no maintaining balance with a minimal fee for withdrawal transactions that will encourage you to save more. Now, saving for your future is easy.  Express Teller Juggling your day-to-day finances is wonderfully simplified with an Express Teller Savings account -- your key to 24-hour superior electronic banking convenience.  Save-Up Save automatically to get what you want. With Save-Up, it's easy to regularly set aside money from your ATM account to your Save-Up account every month. Jumpstart^ Jumpstart Savings account is specially designed for the youth, ages 10 to 17 years old. It’s a tool to form the habit of saving at an early age. Maxi-Saver Saving has never been so rewarding. Now, you can EARN MORE as you SAVE MORE with MAXI-SAVER. NOW AVAILABLE IN US DOLLAR VARIANT! Pamana Savings Account with FREE Life Insurance "Ang savings natin, for the family. Sa Pamana Savings Account, earn interest on your savings at may FREE Life Insurance ka pa worth 3x ng account balance mo." Pamana Padala A specially designed savings account for Overseas Filipino Remitters like you. Maaaring sa account na ito i-remit ang pinaghirapang sahod upang mas ma-manage mo ang

remittance mo sa 'Pinas. Passbook If you favor the recordkeeping ease of a passbook, then, Passbook Savings is the sensible way to safe keep your money. Earn interest on your funds and monitor your account transactions the simple way. Foreign Currency* Let your US Dollars, Yen, Euros, Pounds, Francs and other currencies grow with us. Whichever currency you choose, enjoy maximum convenience in monitoring your account.  Checking  Express Teller Checking account with an ATM card for flexibility in account management through BPI 24/7 channels.  BizLink Affordable and convenient, especially designed for entrepreneurs.  Maxi-One Simplify financial account management with Maxi-One – the superior all-in-one account that combines the features of savings and checking.  Business Checking A practical way to monitor business transactions conveniently via a checkbook and monthly statement of account.

 Time Deposit 

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Peso Auto Renew Time Deposit The Peso Auto Renew Time Deposit allows placements to be renewed automatically for a fixed yield higher than a regular savings account. Peso Express Time Deposit Earn on parked funds through a short-term peso time deposit of less than 30 days. (Available to Corporate clients.) Foreign Currency Time Deposit Available in US Dollar, Euro, Japanese Yen, Australian Dollar, Canadian Dollar, Swiss Franc, British Pound, Chinese Yuan and Hongkong Dollar through the Foreign Currency Time Deposit product to grow the net worth of their funds. Plan Ahead Time Deposit (Available in BFB) A five-year time deposit with a fixed interest rate allowing protection from volatile market rates. Upon completion of term, the interest earnings becomes tax-free!

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https://www.bpiexpressonline.com/p/1/776/about-bpi

https://en.wikipedia.org/wiki/Bank_of_the_Philippine_Islands

 CREDIT CARDS With BPI Credit, you get more financial flexibility. You can pay for something now, or later. You can pay in-store through all BPI branches and online through the BPI 24/7 banking channels. You can get rewards as perks or rebates, and you can enjoy them immediately, or later on when you feel like redeeming them. You can have greater control over your finances with a separate credit line that you can use for Corporate/SME expenses, and one for your personal needs. You can apply for your BPI Credit in all BPI Branches and online through the BPI 24/7 banking channels. With all these options, BPI Credit really gives you power over your spending!

 BPI Visa Signature Card Experience the best the world has to offer with the card that complements your Signature lifestyle. Enjoy delightful travel rewards, global services and exclusive privileges only for you. Apply now.

 BPI Family Credit Card Your everyday spend is now more affordable with the new BPI Family Credit Card. The no frills credit card that will help you and your family stretch your cash flow. With its low interest rate and membership fee, maintaining a credit card is now light on the pocket.

 BPI eCredit The first ever virtual credit line designed for Internet Shopping! Shop online the confident and easy way with eCredit. Use BPI eCredit anytime you buy online, then settle your e-purchases conveniently with the rest of your BPI Mastercard bills.

 BPI Amore Visa BPI and Ayala Malls offer you the ultimate shopping buddy - a credit card and a privilege card in one. Your BPI Amore Visa allows you to enjoy mall perks and privileges. At the same time, it lets

you earn up to P15,000 shopping rebates* as you spend in your favorite shops, restaurants and establishments at Ayala Malls.

 BPI Amore Visa Platinum BPI and Ayala Malls offer you the ultimate shopping buddy - a credit card and a privilege card in one. Your BPI Amore Visa Platinum allows you to enjoy mall perks and privileges. At the same time, it lets you earn up to P25,000 shopping rebates* as you spend in your favorite shops, restaurants and establishments at Ayala Malls.

 BPI Edge Mastercard Expect more passion for style: Match your taste for the hottest trends with the BPI Edge Mastercard. Use your BPI Edge Mastercard and get fabulous discounts at the hippest shops and coolest clubs. It's your ticket to the cutting-edge lifestyle.

 BPI Blue Mastercard Accepted by establishments worldwide, the BPI Credit Blue Mastercard is your start-up international credit card. It gives you P2 million FREE travel insurance. Plus, it lets you withdraw cash up to 30% of your credit limit in over 1 million Maestro/Cirrus ATMs globally.

 BPI Gold Mastercard The BPI Credit Gold Mastercard is the card that provides better value with greater peace of mind. Cardholders who use their card to purchase their travel tickets enjoy FREE travel insurance of up to PHP 10 million.

 Petron - BPI Mastercard Petron-BPI Mastercard gives you as much as one FREE FULL TANK EVERY YEAR* with its 3% fuel rebate**. That's PHP 1.50 savings for every liter of fuel bought! PLUS get a FREE PHP 200 worth of fuel from Petron when you receive your card!

 BPI Skymiles Mastercard BPI in partnership with Delta Air Lines, offers two mileage cards that more relevantly respond to the needs of the aspiring and frequent global travelers -- the BPI SkyMiles Mastercard and BPI SkyMiles Platinum Mastercard. Cardholders automatically earn miles as they spend anywhere using their card. Every P45 spent earns one (1) SkyMiles mile*. The more they shop using their

BPI SkyMiles cards, the more miles they earn that they can use to travel to over 900 cities, 160 countries at 6 continents through Delta Air Lines and its SkyMiles Airline partners.

 BPI Skymiles Platinum Mastercard BPI in partnership with Delta Air Lines, offers two mileage cards that more relevantly respond to the needs of the aspiring and frequent global travelers -- the BPI SkyMiles Mastercard and BPI SkyMiles Platinum Mastercard. Cardholders automatically earn miles as they spend anywhere using their card. Every PHP 45 spent earns one (1) SkyMiles mile*. The more they shop using their BPI SkyMiles cards, the more miles they earn that they can use to travel to over 900 cities, 160 countries at 6 continents through Delta Air Lines and its SkyMiles Airline partners.

 DEBIT CARDS What's New with the BPI Debit Mastercard? Note: ATM withdrawals in Europe using a BPI Debit Mastercard is currently unavailable. Should you travel to Europe, you may use your old ATM/Debit card. International Access for your old ATM/Debit card can be activated in any BPI branch or via 89-100. Coming Soon: New Features

Note: ATM withdrawals in Europe using a BPI Debit Mastercard is currently unavailable. Should you travel to Europe, you may use your old ATM/Debit card. International Access for your old ATM/Debit card can be activated in any BPI branch or via 89-100. Coming Soon: New Features

 BPI Debit EMV Cirrus: Red

Enjoy cashless shopping in over 45,000 merchants nationwide through the Express Payment System (EPS) and BancNet. Conveniently access your funds at BPI and BancNet affiliated ATMs locally, as well as at Cirrus affiliated ATMs abroad.

 BPI Debit EMV Cirrus: Gold

Enjoy cashless shopping in over 45,000 merchants nationwide through the Express Payment System (EPS) and BancNet. Conveniently access your funds at BPI and BancNet affiliated ATMs locally, as well as at Cirrus affiliated ATMs abroad. With a Gold BPI Debit EMV Cirrus, you can enjoy premium services. Find out more about it by asking at any branch or 89-100.

 PREPAID CARDS 

Amore Visa Prepaid

Pay for everything, everywhere with your BPI – Ayala Malls Amore Visa Prepaid card and earn points you can exchange for exclusive rewards at Ayala Malls. Get one now by visiting this link: http://www.amore.bpicards.com Features  Get a card and never get rejected, get instantly at select Ayala Malls Concierge  Use wherever VISA is accepted – online and in stores here and abroad.  Tap and go at Visa payWave merchants, or beep™ at MRT, LRT and BGC buses  Load up to P100,000 through our loading partners or BPI 24/7 Channels  No hassles. No loading fees. No maintaining balance.  Card application fee of Php200, add beep™ to your Amore Visa Prepaid for only Php50!  Valid for 4 years  Earn points everytime you use your card at Ayala Malls and everywhere Visa is accepted

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BPI ePay Mastercard

The BPI ePay Mastercard is an easier and more secure alternative to carrying cash. It’s easy to apply for one and it allows you to make purchases online and in Mastercard-affiliated stores worldwide. Should you need to withdraw cash, you may also do so with this card. Benefits  No bank account needed  No maintaining balance  No loading fees Features  Use wherever Mastercard is accepted – online and in stores here and abroad  Withdraw using BPI ATMs  Tap and go at Mastercard PayPass merchants  Load up to P100,000 through our loading partners or BPI 24/7 Channels. Click here for loading instructions.  No hassles. No loading fees. No maintaining balance  Card application fee of Php300  Valid for 4 years

 LOANS  BPI Family Housing Loan A comfortable life – this is what all of us aspire for. To achieve this, it all starts with owning a home. Owning property is an affirmation of hard work and well-placed earnings put in a worthy investment. For those stuck in a rent situation, make a move now! Owning a home is now made easy and possible with BPI Family Housing Loan. BPI Family Housing Loan is ideal for earners with conservative buying patterns, because it can be customized. Every loan package is tailor-fitted to the needs and current spend capabilities of the customer. With simple requirements, one can easily apply for a home loan. It’s Fast! Get a reply within 5 working days after submitting complete loan documents. It’s easy to apply! Go online at www.bpiloans.com or discuss options with partner brokers and developers. And with many branches nationwide, one can just visit to inquire. It’s affordable! Never underestimate the power of your income. By making the best decision of getting a BPI Family Housing Loan, you get to enjoy low rates, down payment options as low as 20% and flexible payment terms payable up to 25 years.

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So why rent if you can afford to get your own home? Find out if you're ready for a housing loan now.

Published Rates Housing Loan

Property Equity Loan

1

6%

7%

2

6.5%

7.5%

3

6.75%

7.75%

4

7%

8%

5

7.25%

8.25%

10

8.5%

9.5%

15

10.5%

11.5%

20

12%

13%

The above are indicative rates for new loan applications. Applicable repricing interest rate will apply for existing borrowers. Yearly repricing rate is at 8.5% per annum. For inquiries, please call the Housing Loan Department at 845-6888. 

BPI Family Auto Loan

Owning a car provides convenience, luxury of space, protection from harmful elements when traveling and the ability to get from one place to another faster without the hassles of having to wait or stand on line. With a car, one can enjoy traveling with friends or family to any destination at any time of their choosing. With the BPI Family Auto Loan, purchasing a dream car can easily be achieved and its advantages can be enjoyed today with the incentive of being able to choose a model that may otherwise be unaffordable. This saves any buyer from getting an older car model that may result in more costly repairs. The best thing about getting a BPI Family Auto Loan is that it frees up your money for other expenditures. BPI Family Auto Loan has a faster process turnaround time, with low interest rates, low mortgage fees and a more personalized service. The client gets the best deal in terms of price and discounts.

Apply online through www.bpiloans.com, or visit over 800 BPI/BFB branches or over 300 partner auto dealerships nationwide. BPI Family Auto Loan has easy payments options, affordable down payment options, and special features and promos to make car ownership easier. 

Loan to Own All Out Auto Loan Promo

All-Out

Promo

MECHANICS

1. The BPI Family Auto Loan All Out Promo is open to all new and existing BPI Family Auto Loan borrowers nationwide who will apply for an auto loan from June 1, 2018 to October 31, 2018 and whose loan application will be approved and booked on or before December 31, 2018. 2. Coverage : Nationwide 3. Promo Duration: June 1 to October 31, 2018 4. Promo offer: a. P10,000.00 Car Down Payment Discount; b. Free Chattel Mortgage Fee; c. No Processing Fee; and d. Free Comprehensive Car Insurance for the First Year by BPI MS Insurance Corporation 5. Who are qualified to apply? A borrower with a loan application which meets the criteria below shall be eligible to avail of the promo: a. Loan amount should be within the range of P500,000.00 to P5,000,000.00 b. Loan term should be 5 years. c. Minimum down payment should be at least 20% of vehicle's net selling price d. Vehicle should be brand new. e. Vehicle should be sourced from accredited car dealership of BPI Family Savings Bank. f. Vehicle should be for private use only. Vehicles used for mass transport, service or delivery of goods such as but not limited to: TNVS, school bus, taxi, utility vehicles, light trucks and the like are not eligible for the promo. 6. Promo Conditions: Until the payment in full of the auto loan and all other amounts due under the loan, eligible borrower/s agree and undertake to comply with the following conditions: a. Client should be able to pay the first monthly amortization on time. b. Client should not have delayed monthly amortization payments for more than 3 successive months. c. Client should not pre-terminate / pre-pay the loan. d. Client should not convert subject vehicle to a public utility, service, or delivery vehicle. e. In the event that client fails to comply with any of the conditions above, the client shall be charged P10,000.00 representing the car down payment discount applied earlier to his purchase price. f. The promo cannot be availed in conjunction with other BPI Family Auto Loan promotions and /or offers.

g. Offer is not convertible to cash. h. After the free first year comprehensive car insurance, the comprehensive car insurance of the vehicle shall be automatically renewed and exclusively maintained with BPI MS Insurance Corporation for the duration of the loan term. i. Eligible borrowers who do not have a BPI or BPI Family Savings Bank account shall be required to open a savings account with either BPI or BPI Family Savings Bank before loan release to facilitate loan repayment via automatic debit arrangement (ADA). j. Standard auto loan terms and conditions apply. k. In case of dispute, BPI Family Savings Bank’s decision, in concurrence with DTI, regarding this promo will be deemed final and non-negotiable. 

BPI Personal Loan

The need to advance and progress is natural, especially for those who are working towards building a better life for their family. Sometimes, monthly paychecks can’t support the plans one may have to create new income generators like businesses or investments. With the right cash flow plan and discipline, one can always engage in getting a personal loan to fund a worthy ‘life project’. With BPI Personal loans, deciding is not a tough call because of its excellent features. Clients may get up to 3 times of gross monthly income, ranging from PHP 20,000 to PHP 1,000,000. Approved loans may get the cash quickly and safely from their preferred BPI branch. And anyone can experience flexibility by choosing whether to pay monthly installments in 12, 18, 24, 30 or 36 months. And very low interest rates and easy payment schemes can be expected. Payments can also be automatically debited from any BPI deposit account. Loan payments and outstanding balances maybe monitored from anywhere, anytime via BPI Online Banking or 89-100 BPI Express Phone. Balances may also be checked from a client’s mobile phone to ensure funding of monthly payments. So drop your hesitations and move now to create a better life for you and your family. Find out if you're ready for a personal loan now.  BENEFIT Whether it’s for your child’s education, a long-planned home renovation, that dream business or simply an unexpected event, getting a Personal Loan is an affordable and easy way to get the extra cash to meet your needs. Plus, seize the other benefits that you can enjoy with ready cash on hand:  Get big discounts on products and services if paid in cash. 

Avail of products and services that are only available in cash.

Personal Loan is also a great and easy way to stay in control of your finances, given the following:  Fixed interest rate for the entire term of the loan, so your monthly installment never changes 

Fixed term so you know how many payments you need to make to pay off your loan

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Longer payment period gives you the flexibility to fit your monthly installment right into your budget.

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Monthly principal payments make sure that your outstanding loan steadily decreases over time.

All you have to remember is to pay your loan on time to preserve your good credit standing. 

BPI Family Ka-Negosyo Loan

Employment is not the only way to achieve financial freedom. Sometimes, it’s best to step back and see the current situation from a different perspective. The question people ask themselves the most is, “Am I going to grow old an employee?”. But it’s definitely a good idea to have enough retirement fund years before you actually retire. The entrepreneurial mindset can help to achieve this. Gone are the days when employment is the only way to earn. People are now starting to learn how to work by day and do business at night. Or on weekends! With BPI Family Ka-Negosyo Loan, everyone gets the business partner they’ve always wanted. It all starts with getting a loan to start a business. With flexible payment terms, customized to fit the current profit flow, getting financial assistance is now more accessible and achievable. Tagged as the Expert Financing Partner for every entrepreneur, BPI Family Ka-Negosyo Loan goes beyond the financial aspect. Their assistance goes all throughout the entire process – from start to operations, even in strategies to expand. Now that having your own business is made easier with BPI Family Ka-Negosyo Loan, you get closer to THE dream of having true financial freedom.  INVESTMENTS  Investment Funds With a personalized approach tailor fitted to your unique investment requirements, we will help you plan and achieve your financial goals. Whether you are just starting to invest and need the guidance of our Investment Counselors to help you understand your options, or already have a deep understanding of investments and ready to look at how your different financial goals mesh together, you can count on BPI to be there every step of the way. Our capabilities allow you the flexibility to do self-service investments via the internet, or financial advisory and fund management through our Investment Counselors, all at your own convenience. We have also made our wide array of investment products more affordable so you could build wealth earlier, easier.

 BPI Investment Funds The BPI Investment Funds are funds that seek to offer attractive risk-adjusted returns with a focus on undervalued and lower beta names, shorter durations and diversification principles consistent

with capital preservation. The BPI Investment Funds are best suited to investors who are generally conservative, looking for stability, minimal volatility, certainty of income.

 Odyssey Funds Odyssey Funds are actively-managed funds that represent BPI Asset Management's specialist or opportunistic strategies that express the fund manager's best ideas to derive higher total return consistent with clients' more aggressive risk profiles. The Odyssey Funds are best suited for the more aggressive investors, have preference for specific sectors, looking to create wealth and expand their asset bases. To know more about BPI Unit Investment Trust Funds (UITFs), click here.

 ALFM Mutual Funds BPI Investment Management Inc. (BIMI) manages six ALFM Mutual Funds. Investors can either choose a single fund to invest in or create their own diversified portfolios, depending on their respective risk profiles and investment goals. To know more about ALFM and how to determine the right investment fund/s for you, please visit the ALFM Mutual Funds website. You may also contact ALFM's Mutual Fund Sales Agents who are equipped with relevant information needed to guide and advise you about investing in ALFM Mutual Funds. 

Stock Market Investing

They say career longevity mainly depends on passion. And when one is always inspired, quality outputs naturally come. That’s the time to start earning better so the progress of life starts. Once this happens, start planning for the future and start investing. BPI gives clients the power to invest through stock trading. Never be intimidated when dealing with stock trading for the first time. There’s no minimum invest amount required! BPI gives customers easy to understand instructions through its online trading platform. Existing BPI clients can fund this using their BPI or BPI Family Savings Bank account. All funds used and earned in the trading account goes through a client’s BPI or BPI Family Savings Bank account. With BPI, one is always guided to the best direction. With a dedicated service team, all concerns will be addressed. It’s easy to keep track of stocks investments to make sure that it is progressing. The team can also help clients forecast the growth and give worthy advice on how to further enhance the current investment pattern. When you change the way you think about growing your wealth, you can make the best happen. Get into the stock market now! 

Fixed Income Securities

BPI is a leading Dealer / Broker in the securities market, offering fixed income investment opportunities to retail, corporate and institutional clients. With BPI’s legacy as a leading provider of financial services in the Philippines, investors are assured of sound banking practices to primarily protect the interests of its clientele. Fixed income securities are primarily DEBT instruments with fixed amount of INTEREST paid according to a fixed schedule. The PRINCIPAL is repaid to the investor at the end of a stated maturity date. The reasons for investing vary for all types of investors – whether you’re a company who wishes to park your funds in a low-risk investment instrument, or an individual who intends to explore his investment options beyond other traditional deposits. BPI has a solution to match your need – as we offer a wide array of fixed income securities products.  INSURANCE 

Life Insurance

Life is full of uncertainties that’s why it’s always good to be prepared. No matter what stage you are in life, BPI-Philam has various life insurance plans that can cover your financial needs. Choose from an array of plan offerings fit for your needs: BPI-Philam Wellness Series BPI-Philam Wellness Series offers an upfront additional coverage of 20% to your policy and any attached add-ons.  Build Estate Plus is a unit-linked protection plan that can cover for your estates taxes.  Critical Care Plus is a unit-linked health and life insurance plan that provides financial protection from serious sickness, accidents or loss of life, and a growing Health Fund for future healthcare needs.  Critical Care Max is a Critical Care Plus variant with Early Stage Critical Illness Rider, Accident & Health Add-On, and Waiver of Premium for Critical Illness Add-On.  Life Ready Plus is a unit-linked life insurance plan that gives you that must-have protection and allows you to build your long-term savings through a wide array of professionally managed investment funds. For Individuals Protection Put yourself at ease by protecting those you love    

Accident Guard 24/7 provides protection in case of an accident. Assure Protect is a three-in-one plan with life insurance, investment potential, and a wellness program. Build Estate Plus is a unit-linked protection plan that can cover for your estates taxes. Life Extreme Protect is a high-value unit-linked life insurance product that provides high protection coverage and the opportunity to invest in the financial market.

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Life Protect provides high protection coverage for a low cost. Life Ready Plus is an affordable unit-linked life insurance plan that gives you that must-have protection. Health Protect yourself from unforeseen medical costs and focus on getting better 

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Critical Care Max is a unit-linked health and life insurance plan that provides financial benefits at the early stages of a critical illness.  Critical Care Plus is a health and life insurance plan that takes care of you in sickness and gives you more benefits for having good health.  Health Save 10 is a 10-year plan that provides cash benefits in case of hospitalization and a unique MONEY BACK feature.  Life Protect Health is a ten-year coverage peso-denominated product with death benefit amounting to 100% of face amount, assured payable upon death. Savings Let your dreams come to life 

Build Life Plus is a savings and life insurance plan that lets you choose from a variety of funds to suit your needs. Insurance with Investment Make the most out of your hard-earned money 

Invest Dollar Max is a single-pay U.S. Dollar denominated unit-linked life insurance plan that allows you to participate in the financial market.  Invest Peso Max prepares you for retirement while providing life protection of 125% of the initial investment.  Preferred Life Plus is a one-time pay investment-linked life insurance plan that gives a lifetime of greater peace of mind. Direct Marketing Plans Because we understand that not all clients have the time to visit our branches, we are now also offering plans direct to clients through BPI-Philam Direct, telemarketing, and other direct marketing channels as appropriate.  Smart Shield is a stand-alone accident insurance for the individual insured, where coverage can be extended to spouse, children and parent dependents.  Smart Shield Plus is a stand-alone accident insurance enhanced with hospitalization benefits. Coverage may also be extended to eligible dependents. Getting a life insurance is something you do to protect the ones you love so they don't suffer financially. Learn more from BPI-Philam. INSURANCE WITH INVESTMENTS Invest Peso Max is a one-time pay investment and life insurance plan that makes securing a financially sound tomorrow easy. Maximize the earning potential of your assets in preparation for your retirement while enjoying guaranteed life protection. What does it provide?

Grow Your Money Invest in an array of expertly managed funds of BPI Asset Management and Trust Group (BPI AMTG) and BPI Investment Management Inc. (BIMI) depending on your risk appetite. Only the most experienced and industry-leading professionals are handling your investment. Secure Your Family’s Financial Future Invest Peso Max comes with Life insurance coverage to provide peace of mind for your family if something happens to you. Have Full Control of Your Plan and Savings You can also boost your retirement fund through additional premium payments or top-ups as low as P1,000 anytime. Make the most out of your hard-earned money. Learn more from BPI-Philam. 

Non-Life Insurance

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The BPI Non-Life Insurance is divided into ten (10) programs that aim to cater to different needs of different customers.

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The Fire Insurance program is for homeowners’ protection against property damage or loss caused by fire and/or lightning. Home Care Advantage Insurance targets families seeking protection against damage or losses to property and harm to family caused by fires and/or lightning, earthquakes, typhoons, floods, landslides, bush fires, broad water damages, subsidence, riots and strikes, and malicious damages with extended coverage. Business Care Advantage Insurance provides small and medium enterprise owners with protection from financial loss and destruction to their business. Motor Insurance gives protection for car owners from motor vehicle accident or collision, car theft, and various other damages. Personal Accident Insurance is for individuals, groups of people, family members, travelers (domestic and international), and students (for Group Students PA Insurance) seeking coverage for accidents. Travel Care Insurance is tailor-fit for international travelers needing coverage for medical expenses and other qualified losses incurred while traveling anywhere in the world. To apply for Travel Care Insurance, click here. Marine Insurance is for companies or individuals (cargo and ship owners) seeking coverage for financial losses directly caused by loss of cargo, freight, ship, aircraft or other movable property during transits. Liability Insurance caters to business owners seeking coverage for liabilities incurred in connection with the ownership, maintenance and use of business premises. Engineering Insurance provides coverage to contractors and project owners for equipment, machinery and construction projects against unforeseen and accidental loss, damage, financial and third party liability.

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Bonds provide coverage for bond requirements for construction contracts, or judicial proceedings. When you think of BPI MS, think of protecting your hard-earned assets  Pre-Need Ayala Plans, Inc. is one of the companies under the umbrella of the Bank of the Philippine Islands. As such, it has a vast reservoir of experience and expertise drawn from the group’s history of excellence and quality service to the public. Ayala Plans, Inc. stands anchored on the time-honored values for which the Ayala name is known and respected-a tradition of uncompromising integrity, high corporate values and vision for progress. It continues to honor its commitment to its existing customers who bought education and pension plans. Through prudent management, the Company’s Trust Funds have enough assets to pay out all of the guaranteed plan benefits as they fall due.