General Assembly Nov. 30, 2010

1. CORPORATE GOALS
BALANCED FRAMEWORK
COMPETENCY-BASED MANAGEMENT

2. GOALS
• LEADING FINANCING
COMPANY
• ADDRESS THE
BUSINESS CAPITAL
NEEDS OF THE
RIGHT KIND OF
CLIENTS
• AN ACTIVE AGENT IN
THE ECONOMIC
DEVELOPMENT OF
THE PHILIPPINES
• THE BEST CHOICE IN
FINANCING
• FOR HONEST
ENTREPRENEURS AND
BUSINESS OWNERS IN
THE COUNTRY
• HIGHEST QUALITY
SERVICE
• MEETING THE
FINANCIAL NEEDS OF
THEIR GROWING
BUSINESS AND MORE
• FUNDLITE: MICROLENDING
• FUNDCYCLE: MOTORCYCLE FINANCING
• FUNDLIFE: STARTUP CAPITAL LENDING
• FUNDLINE: SME FINANCING

3. THE BALANCED
FRAMEWORK
FINANCIAL MANAGEMENT
SYSTEM
PRODUCTS AND SERVICES
HUMAN RESOURCES

4. HUMAN RESOURCES
• TO HIRE AND CREATE
THE RIGHT PEOPLE
• PROVIDE THEM WITH AN
ENVIRONMENT THAT
CONTINUOUSLY LOOKS
AFTER THEIR WELFARE
AND DEVELOPMENT
• IMPROVEMENT IN
BUSINESS ARE
TRANSLATED TO CLEAR
AND HIGH IMPACT
BENEFITS
• COMPETENCY
MANAGEMENT
• JOB EVALUATION
• ORGANIZATIONAL
DEVELOPMENT
– PERFORMANCE
MANAGEMENT
– TRAINING PATH
– SUCCESSION PLAN
• REWARDS
• BENEFITS
• RIGHT ATTRIBUTES
– EXUDES THE RIGHT AND IMPORTANT TRAITS
– PATRIOTIC, PASSIONATE, EXCELLENT AND VISIONARY
– COURTEOUS, CHEERFUL AND HONEST
– PROVIDE HONEST-TO-GOODNESS FINANCIAL CONSULTANCY TO ALL OUR CUSTOMERS

5. PRODUCTS AND
SERVICES
• DEVELOP AFFORDABLE AND
ACCESSIBLE PRODUCTS AND
SERVICES
• ADAPTED AND TAILORED-FIT TO THE
NEEDS AND WANTS OF OUR TARGET
MARKET
• ENSURE FAST, EFFICIENT AND
CUSTOMER-CENTRIC DELIVERY.
• RIGHT CLIENTS - 80% OF “CLASS A”
CUSTOMERS
– KNOW HOW TO DO BUSINESS
– RESPECTED IN THEIR COMMUNITY
– LIVE A DECENT LIFE
– PAY THE RIGHT AMOUNT ON TIME
• NEW PRODUCTS
– SME FINANCING
– FRANCHISING LOAN
• NEW SERVICES
– CASH CARD
– FUNDCAST
• ONLY CHOICE
– WE ARE THE ONLY CHOICE FOR FINANCING SERVICES IN THE MINDS OF OUR
CUSTOMERS SEEING OUR COMPETITORS AS JUST SECOND BEST TO US.
– THE SALIENT FEATURE OF THE COMPANY IS IN THE WAY ITS PEOPLE DELIVER ITS
PROMISE.

6. FINANCIAL
MANAGEMENT
• EFFICIENT AND EFFECTIVE
STEWARDSHIP OF
RESOURCES
• MAXIMIZE RETURNS TO
SHAREHOLDERS
• DULY PRACTICE OUR
CORPORATE SOCIAL
RESPONSIBILITY
• CHECK AND BALANCE
– UP-TO-DATE REVIEW,
MONITORING AND EVALUATION
OF ALL FINANCIAL
TRANSACTIONS TO ENSURE THE
EFFICIENT USE OF RESOURCES
FOR OVERALL PROFITABILITY.
• CORPORATE SOCIAL RESPONSIBILITY
– ALL EMPLOYEES AS GOOD STEWARDS OF ENTRUSTED RESOURCES
– TRANSLATE PROFITABILITY TO CORPORATE SOCIAL RESPONSIBILITY PROGRAMS THAT
MAKE A REAL DIFFERENCE IN THE LIVES OF OTHER PEOPLE

7. SYSTEM
• ALL PROCESSES AND
PROCEDURES ARE PROPERLY
DOCUMENTED
• WELL-EXECUTED AND
MONITORED
• ALL INFORMATION AVAILABLE
AT EVERYONE’S FINGERTIP
• AUTOMATION
– ALL PROCESSES AND
PROCEDURES OF THE COMPANY
ARE AUTOMATED
– ALL IT-RELATED SYSTEMS ARE
SECURED
• CUSTOMER ACCESS
– EFFICIENT AND EASY-TO-
ACCESS PROGRAMS WHEREIN
CURRENT CUSTOMERS HAVE
ACCESS TO THEIR RESPECTIVE
ACCOUNTS
• PROCESS
– ISO STANDARDS
– 5S
– KAIZEN
– TQM
– 6 SIGMA
• AUTOMATION
– HUMAN RESOURCE
INFORMATION SYSTEM
– EXECUTIVE INFORMATION
SYSTEM
– CORPORATE
INTERNET/INTRANET SYSTEM
– FAST AND SECURE CORPORATE
NETWORK (VPN)
– LOANS MANAGEMENT SYSTEM
– CENTRALIZED ASSET AND
MATERIALS MANAGEMENT
SYSTEM
– SECURE AND AUTOMATED
COLLECTION SYSTEM
– FUNDCAST (SMS CUSTOMER
SERVICE)

8. COMPETENCY-BASED
MANAGEMENT
UNDERSTAND AND DEFINE THE TALENT
NEEDED AND AVAILABLE
ADDRESS SKILLS DEFICIENCIES
MATCH TALENTS AVAILABLE TO
PERFORMANCE NEEDS
MATCH THE RIGHT PEOPLE WITH THE RIGHT
SKILLS TO THE RIGHT JOBS

9. BALANCED FRAMEWORK
MOTIVATED EMPLOYEES
COMPETENT EMPLOYEES
EFFICIENT INFORMATION SYSTEMS
IMPROVED PROCESSES
MONITORED PROGRESS
GREATER CUSTOMER SATISFACTION
INCREASED FINANCIAL USAGE AND GAINS