lbp 2

A Presentationto

05 February 2015PICC, Pasay City

OUTLINE

About LANDBANK

LENDING PROGRAMS FOR LGUs

HOUSING PROGRAMS

• Principal depository of the Philippine government

LANDBANK

Information on

• Priority sectors: Small Farmers and Fisherfolk

Cooperatives; Small and Medium Enterprises (SME) Local Government Units

• CAMELS rating of 4 • Ranked second highest in the

Corporate Governance Scorecard among 40 GOCCs conducted by the Department of Finance and Institute for Corporate Directors

• 100% owned by the Government

LANDBANK

Information on • International Standards

Organization (ISO) Certifications in:

ISO 14001: Environmental Management System

ISO 9001: Quality Management System

• 4th largest bank in the Philippines in terms of : Assets Capital Loans Deposits

AWARDS AND RECOGNITIONS

LANDBANK named as No. 1 Government Securities Dealer for the second straight year

LANDBANK bags 2014 ARTA Breakthrough Agency Award

LANDBANK’s Environmental Due Diligence System is Official Entry for International Best Practices Competition

LANDBANK cited “Outstanding Lending Bank” by BSP

Information on Awards Received:

ADFIAP Award for LANDBANK’s Carbon Finance Support FacilityProgram of Activities for Piggery Farm and Sanitary Landfill Projects

PCCI Excellence in Economy and Ecology AwardLANDBANK’s Environmental Programs and Practices

LANDBANK

Information on Green Bank Champion for

Environmental Due Diligenceby Bankers Institute of the Philippines, Inc.

Karlsruhe Merit Award for Outstanding Sustainable Project Financing

Loan facility extended to the Municipal Government of Sitangkai, Tawi-Tawi

Through the KfW-funded LIP Supplemental II

Conferred by the European Organisation for Sustainable Development

LANDBANK

NUMBER OF BRANCHES and EXTENSION OFFICES

As of 31 December 2014

NCR 85

NORTH & CENTRAL LUZON

73

SOUTH LUZON 69

VISAYAS 54

MINDANAO 70

TOTAL 351

LBP BRANCH

NETWORK

NUMBER OF ATMs

As of 31 December

2014

Total

NCR 325

NCL 267

SL 238

VB 215

MB 293

Total 1,338

LBP ATM NETWORK

FUNDING SUPPORT TO LGUs

Basis of Lending to LGUs

The Local Government Code of 1991 (RA 7160) provides that:

“ any local government unit (LGU) may avail of credit facilities to finance local infrastructure and other socio-economic development projects in accordance with the approved local development plan and public investment program of the LGU.”

• Roads and bridges• Sanitation, drainage & flood control• Water supply• Public market and slaughterhouse• Hospitals

Eligible Projects

• School Buildings• Bus terminals• Ports & Harbors• Computerization of fees and tax collection• Waste management projects• Power generation• Other projects specified in the LGU’s approved local

development plan and public investment plan

Loan Amount• Maximum of 90% of total project cost but not

to exceed the LGU’s Net Borrowing Capacity

Interest Rate• Fixed or variable, based on prevailing

market rates

Loan Term• Maximum of 15 years based on the cash

flow of the project or the estimated useful life of the object to be financed

Collateral

Any or combination of the following:

• Assignment of the LGU’s regular income including portion of Internal Revenue Allotment (IRA) which in no case shall exceed 20% of the LGU’s regular income • Real Estate Mortgage • Chattel Mortgage• Hold-out on Deposits

CollateralCollateral

LOANS OUTSTANDING TO LOCAL GOVERNMENT UNITS

P11.6 BB

P31.3 BB

you

29 Cities29 Cities17 Provinces17 Provinces

213 Municipalities213 Municipalities

29 Cities29 Cities17 Provinces17 Provinces

213 Municipalities213 Municipalities

PROVINCE

CITY

MUNICIPALITY

20 20 CitiesCities4 Provinces4 Provinces

80 Municipalities80 Municipalities

20 20 CitiesCities4 Provinces4 Provinces

80 Municipalities80 Municipalities

PROVINCE

CITY

MUNICIPALITY

20 Cities20 Cities12 12 ProvincesProvinces

91 Municipalities91 Municipalities

20 Cities20 Cities12 12 ProvincesProvinces

91 Municipalities91 Municipalities

LANDBANK Calamity Rehabilitation Support (CARES) Program

Available to various existing and new customers who have been affected by the calamity in areas that were declared under

the state of calamity by the Office of the President and the Local Government Units

YOLANDA RECONSTRUCTION PROGRAM

• Available to areas affected by Typhoon Yolanda

• Eighty Five (85) LGUs submitted 155 project proposals

• Financial Mix of 80% grant and 20% equity• YRP Consultant is currently evaluating these

project proposals

SUPPORT FOR STRATEGIC LOCAL DEVELOPMENT & INVESTMENT PROJECT (S2LDIP)

• Available to areas affected by Typhoon Yolanda and Bohol earthquake

• Financial Mix of 90% grant and 10% loan from S2LDIP

• Memorandum of Agreement (MOA) with DBM and DPWH being finalized

LANDBANK Housing Opportunities Made

Easy ( H.O.M.E. Program )

EASY ACCESS TO SHELTER YOU (EASY) Home Loan

END BUYERS’ TIE UP

BAHAY PARA SA BAGONG BAYANI ( 3B )

HOUSING PROGRAMS

Eligible Borrowers

Filipino citizens 21 years old ( must not be not more than 65 years of age upon loan’s maturity )Borrowers who are either gainfully employed or with lawful and profitable business.

EASY ACCESS TO SHELTER YOU (EASY) Home Loan

Loan Purpose

For the purchase of townhouse, Condominium unit, lot, house & lot, and other residential unit

Construction of a residential building on a lot owned by the borrower

Refinancing of existing housing loan with other banks or Financing Firms or developers’ in-house financing - provided said loan for refinancing has not been past due* with other banks or financing firms in the past 2 years.

Loanable Amount Minimum of P 500,000.00

For Private Applicants The Borrowing capacity of the individual borrower and his / her spouse ( if applicable ) shall be based on the 30% of the verified Gross Monthly Income

For Government Employees The borrowing capacity shall be based on the amount as required by GAA, after housing loan amortization.

Term of Loan The loan shall have a maximum term of twenty (20) years, provided the combined age of the borrower and the term loan shall not exceed 65 years.

Interest RateFixed or Variable based on the applicable EHL Loan Rate

CollateralThe loan shall be secured by residential / commercial real estate properties acceptable to Landbank

END BUYERS-TIE PROGRAM

ELIGIBLE BORROWERS

Individuals / End-buyers of properties from Developers with existing Credit Lines with the bank or have passed the “Accreditation Process” of the bank. With endorsement from LBP-accredited Developer - Filipino Citizen - 21 years old but not more than 65 years of age upon loan maturity - With established source of income - with No CI/BI adverse findings

Loanable AmountUp to 90% of the contract price which includes selling price, titling and taxes, or outstanding balance whichever is lower.

For Socialized Housing Outstanding balance which includes selling price, titling and taxes.

 Loanable amount should be within the paying capacity of the borrower:

For Private Employees

30% of the gross monthly income For Government Employees   based on the amount as required by GAA, after housing loan amortization

Term of Loan

Maximum term of twenty (20) years, provided the combined age of the borrower and the term loan shall not exceed 65 years. For Socialized Housing Maximum of 30 years provided the combined age of the borrower and the term loan shall not exceed 65 years.

Bahay para sa Bagong Bayani

Eligible Borrowers

Available to  OFWs who are;Holding a live contract from a reputable company.Filipino Citizens21 years old but not more than 65 years of age upon loan maturityClear of adverse/Credit Finding with other creditors

Loan Amount

Lowest of the paying capacity of the OFW, or loan value of collateral (with loan value of 80%) provided that;

Financing will be for the principal residence or dwelling of the Borrower-OFW; and

The title should be under the name of the OFW

Tenor The loan shall have the following maximum tenors:20 years : for OFWs with co-borrower15 years : for OFWs without co-borrowers

CollateralPrimarily, the Object of Financing, or separate prime property if warranted

Others that may be accepted in addition to the object of financing such as Deposits with Hold-out or Agrarian Reform Bonds

For more information and further queries, please visit or call:

the nearest LANDBANK Lending Center in your area; or

Program Management Department 227th floor LANDBANK PlazaMalate, ManilaTel Nos.: 405-7198; 551-2200 locals 2785, 2331

Thank you!