Narrative Report

CRITERIA 1. 2. 3. 4. 5. . ". &O&A'

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Or Organization Content Visual Aids Analysis Recommendation/s !unctuality #eatness$ resentation$ cleanliness

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HOLY ANGEL UNIVERSITY UNIVERSIT Y College of Business and Accountancy

NARRATIVE REORT !RACTICU" #UNE $%& $'()*AUGUST $+& $'() (u)mitted )y*  +++++++++++++  ++++++++++++++++++++ +++++++++++++  ++++++  ,aria &eresa '. Alarcon/ -433

(u)mitted to*  ++++++++++++  +++++++++++++++++++ +++++++++++++ +++++++++++++ ++++++++++++++ +++++++++++++ +++++++++  +++  ,s. Carolina ntal and ,s. oy Anne aristo

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&e oals o ,y ,y OCamus !ractice

 A. !ersonal (6ills (6ills

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&o gro7 cometently )y giing my s6ills and ice ersa. 1

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 Along 7it assets assets suc as onesty$ onesty$ aitulness and struggle or erection$  7ill add 7ort and strengt to any emloyer emo7ering me or a team 7ic  am art o.

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&o 7or6 in a callenging surroundings demanding all my s6ills and eorts to e8lore and )ecome accustomed in dierent ields$ and realize my otential and add to te deeloment o organization 7it insiring erormance.

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&o deelo my interersonal s6ills in dealing 7it dierent 6inds o eole.

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&o learn a)out te imortance o team7or6 in accomlising a tas6.

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&o deelo eagerness to learn$ and em)racing ne7 ideas in order to gro7.

9. 9usi 9usine ness ss (6il (6ills ls

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'oo6ing or a osition in a leading )usiness 7ere  am a)le to relate te 6no7ledge gained troug my )acelor:s degree.  irmly )eliee in te rincile o imlanting my duties 7it deotion and strengt o mind.

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&o struggle or e8cellence in te ield o accounting 7it dedication$ ocus$ ositie aroac$ otimistic attitude and zeal. And to ma6e use o my 6no7ledge and s6ills in te to ossi)le 7ay or te e8ecution o  organizational goals.

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Comany:s 9ac 9ac6ground/!roile

Cina 9an6ing Cororation Cororation ;Cina 9an6$ stoc6 sym)ol C<9= is te irst irst riatelyo7ned riatelyo7ned local commercial )an6 in te !iliines. t 7as incororated on uly 20$ 1>20 and started its oerations on August 1$ 1>20.

n 1>4"$ Cina 9an6 7as among te irst local )an6s to )e listed at te ,anila (toc6 8cange. Recoering rom te ains o 7ar$ only 33 oter comanies$ mostly tose in mining and sugar milling$ 7ere listed at te time. n 1>5$ te 9an6 7as also listed at te ,a6ati (toc6 8cange. &en in 1>>$ it )ecame te irst )an6 in (outeast Asia to rocess deosit accounts online. Oer te years$ Cina 9an6 as gro7n and e8anded$ )ecoming a uniersal )an6 in 1>>1 and one o te most trusted )an6s in te industry today.

Cina 9an6:s inancial roducts and serices include deosits and related serices$ international )an6ing serices$ insurance roducts$ loans and credit acilities$ trust and inestment serices$ cas management serices$ and oter serices suc as accetance o arious )ill ayments and donations to carita)le institutions.

-or te irst semester o 2013$ Cina 9an6 osted 4% gro7t in consolidated roits to !2.> )illion rom !2.03 )illion or te same eriod last year$ drien )y ety imroements in its core oerations. &is strong income erormance translates to a return on aerage e?uity o 13.24% and a return on assets o 1.@1%. &otal caital unds reaced !44.5@ )illion. ts &ier 1 caital ade?uacy ratio ;CAR= and total CAR remain 7ell a)oe te regulatory minimum1".11% and 1".>%$ resectiely.

&e 9an6 continues to ma6e ety inestments to e8and its oerationsit oerationsit )ougt Bnity 9an6 last year to )e merged 7it its trit )an6 su)sidiary Cina 9an6 (aings ;C9(= tis year$ and recently entered a credit card artnersi 7it ,asterCard$ aing te 7ay or te launc o Cina 9an6 ,asterCard !latinum and Classic in 2014. 3

Cina 9an6 oers a 7ide range o inancial roducts and serices troug its nation7ide net7or6 o oer 300 )rances and more tan 500 A&,s ;including C9(=. Comlementing tis ast net7or6 are electronic )an6ing cannels tat roide eicient and secure 24/" sericeCina 9an6 Online ;mo)ile and internet )an6ing= and Cina 9an6 &eller!one ;one )an6ing=.

-or Cina 9an6$ it as al7ays )een a matter o trust. ery single relationsi is a trust 7ort 6eeing$ 7ort liing u to. As Cina 9an6 commemorates its >3 years o successul oerations$ it cele)rates its many ruitul$ enduring$ mutually)eneicial artnersis$ and sares its remar6a)le story o trust and solid relationsis tat stood te test o time.

&e story o te irst riatelyo7ned local commercial )an6 in te !iliines$ rom te ground)rea6ing )eginningte meeting o 11 men$ led )y ee C. Cuan$ to esta)lis a ne7 )an6 in ,anila tat 7ould ena)le Cinese )usinessmen to access inancing on an unrecedented scaleto te remar6a)le years o eolution and e8ansion tat ollo7ed$ is not merely a 7ritten istorical account$ )ut a graic retelling o o7 Cina 9an6$ ounded not )y )an6ing e8erts$ )ut )y entrereneurs$ men 7o ris6ed teir o7n caital and 7or6ed teir 7ay u te ladder o success$ men 7o understood te us and do7ns o te )usiness cycle$ Dministered understandingly to )usinessmen:s credit re?uirements.E

Containing around 20 ages and oer a undred otos$ A ,atter o &rust* &e Cina 9an6 (tory enned )y te late Raul Rodrigo$ tro7s ligt on te nine remar6a)le decades o Cina 9an6:s e8istence$ its ric istory so intricately 7oen 7it t e a)ric o Cinese )usiness in te !iliines$ and te success stories o loyal clients 7o ae )uilt teir emires 7it Cina 9an6 as a steadast and deenda)le )an6ing artnerte li6es o mall 6ing
!aints: Gilly Ong$ Century &una:s Ricardo !o$ manuacturing moguls 'arry &anVillareal and 'ucio Han$ rice traders and cement distri)utors seranza and ose Cing$ and )usinessmen and longtime riends (iao &ic6 Cong and 'uis By.

ra7ing on acts and insigts rom current and retired emloyees$ longtime clients$ and a num)er o oter autors$ Rodrigo 7eaed an engaging and interesting read. &e ric content and )eautiul otos$ mostly u)lised or te irst time$ are an initation to lea troug te ages.

 Altogeter$ A ,atter o &rust* &e Cina 9an6 (tory is a remar6a)le )oo6 tat 7ill not only )e o interest to Cina 9an6 emloyees and customers$ )ut 7ill also touc readers 7o ae an interest in istory. -or indeed$ Cina 9an6:s ninedecade long story is a art o te country:s istory$ and te 9an6:s actions$ eled in no small measure$ sae te economy.

#o7$ te istory and eritage o one o te !iliines: most trusted )an6ing institutions are not only resered in te alls o its original ead oice in 9inondo$ )uilt in te 1>20s$ )ut ae also )een immortalized in a uni?ue and )eautiul coee ta)le )oo6 A ,atter o &rust* &e Cina 9an6 (tory.

Cina 9an6 oers a 7ide range o inancial roducts and serices troug oer 300 )rances nation7ide$ 7ic it lans to e8and to 415 )y 2014$ and more tan 500 strategicallylocated A&,s ;including trit )an6 su)sidiary Cina 9an6 (aings=. &e 9an6 recently announced its irst semester roits o !2.> )illion$ u 4% comared to te same eriod last year$ drien )y ety imroements in its core oerations.

Cina 9an6
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Cina 9an6 7as included in te 30stoc6 !( inde8 ;!(i= starting ,ay 12I (iler a7ardee on cororate goernance$ one o te toscoring !u)licly 'isted Comany )y te nstitute o Cororate irectors ;C=I cele)rated its >0t anniersary. Cina 9an6 7as once again recognized )y te 9ureau o &reasury or its actie role in money mar6et and caital deeloment$ naming te 9an6 as one o te J&o &en 9est !erorming oernment (ecurities ligi)le ealers ;(= in te !rimary ,ar6et or 2010.J

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Cina 9an6 7as cited )y (tern (te7art K Co.$ a leading 7orld7ide management consulting irm )ased in #e7 Hor6$ as one o te to 100 listed comanies trougout (outeast Asia in terms o deliering sareolder alue or te eriod 2002200@. Cina 9an6 7as one o only 11 !iliine comanies and one o t7o !iliine )an6s to )e included in te A(A# 100 Relatie Gealt Added nde8.&e year also sa7 te oening o Cina 9an6 Ce)u 9usiness Center. 'ocated at Ce)u 9usiness !ar6 in ,a)olo$ Ce)u City$ it is te )an6Ls 14t )ranc in Ce)u and its main )usiness u) in te region.

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Cina 9an6 oered its maiden issue o i8ed rate longterm negotia)le certiicates o deosit ;'&#Cs= to e8and its asset )ase$ gain access to long term unding rom indiidual and cororate inestors$ and to diersiy te maturity roile o its deosits.-rom an initial amount o !3 )illion$ te loatation 7as usized to te 9(!aroed amount o !5 )illion due to oer7elming resonse. &en on (etem)er @$ 200@$Cina 9an6Ls saings )an6 su)sidiaryormally oened its doors to te u)licas Cina 9an6 (aings$ nc. ;Cina9an6 (aings=.

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Cina 9an6 em)ar6ed on ne7 entures* (igned a 9ancassurance Foint enture agreement 7it ,anulie$ ac?uired ,anila 9an6$ launced a rale romo du))ed J!@." million at @"J$ and continued e8anding its )ranc net7or6.

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Cina 9an6 7as a7arded 9est Ge)site M 9an6ing and -inance )y te !iliine Ge))y A7ards. &e 9an6 also launced its Ontime Remittance Card$ !riate 9an6ing (erice$ and Cororate nternet 9an6ing module on te same year.

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Cina 9an6 is an Annual #ational Consumer A7ardee or Outstanding Commercial 9an6$ gien )y !arangal ng 9ayan. &e 9an6 also receied a #ational Consumer Nuality A7ard and lo)al 8cellence A7ard or te same distinction. &o cele)rate its @5t anniersary$ te 9an6 gae a7ay a total o [email protected] million in rizes or its Jrateul at @5J deosit and loan rale romo. &e same year$ Cina 9an6 launced its JOntime RemittanceJ serice and its multi unctional and suerior internet and mo)ile )an6ing cannel$ Cina 9an6 Online.

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Cina 9an6 7as recognized as Outstanding Commercial 9an6 )y Consumers Bnion o te !iliines and ,ost Outstanding Commercial 9an6 )y te !iliine ,ar6eting 8cellence A7ards ;#ational A7ards=. &e same year$ te 9an6 launced Cas ,anagement (erices or )usinesses and cororate clients.

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Cina 9an6 it te !100 )illion mar6 in total resources.

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&o cele)rate te 9an6Ls @0t anniersary$ Cina 9an6 donated !1 million to &a)ang ,indana7 to el te ictims o armed conlict in ,indanao.

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Cina 9an6Ls &reasury oerations 7ere automated using te -le8cu)e (ystem. Cina 9an6Ls su)sidiary$ Cina 9an6 nsurance 9ro6ers$ nc. commenced oerations.

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Cina 9an6 issued B( ollar -loating Rate Certiicate o eosit$ te irst access to oreign caital mar6ets. &e 9an6 also launced te igly successul deosit romo JCas and Cars in a !lusJ.

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Cina 9an6 launced Cina Cec6 !lus$ an interestearning current account.

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Cina 9an6 cele)rated its diamond anniersary and raised its autorized caital to !2.54 )illion.

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Cina 9an6 launced te 2 main roducts o consumer loans*
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Cina 9an6 ac?uired its uniersal )an6 license$ ma6ing it ossi)le to oer a more dierse selection o roducts and serices.

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Cina 9an6 Foined seen oter )an6s in to create 9anc#et$ te countryLs largest  A&, net7or6. &o strengten its osition among te maFor layers in te )an6ing industry$ Cina 9an6 transerred its cororate ead?uarters to its resent location along !aseo de Ro8as in ,a6ati City.

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Cina 9an6 ugraded its online system and launced &ellerCard$ te 9an6Ls  A&, )an6ing serice. &e same year$ te 9an6 introduced &eller!one$ te irst teleone )an6ing in te !iliines.

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Cina 9an6 comuterized its oerations$ )ecoming te irst )an6 in (outeast  Asia to rocess )ot saings and current accounts online. &e 9an6 oened a )ranc in ,a6ati City 7ere te
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Cina 9an6 oened its irst )ranc in Ce)u City.

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Cina 9an6 resumes its oerations ater Gorld Gar  on uly 23$ ie monts ater te li)eration o ,anila. t layed a 6ey role in te ost7ar reconstruction and economic recoery )y roiding inancial suort to )usinesses and 9

entrereneurs.

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%$ue to te gro7t o te 9an6Ls )usiness$ Cina 9an6 moed to a ne7 oice at te corner o asmarias and uan 'una (treets in 9inondo.

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On August 1$ Cina 9an6 oened its doors to te )an6ing u)lic at #o. >0 Rosario (t. in 9inondo$ ,anila 7it an initial caital o !10 million. t 7as te irst riatelyo7ned commercial )an6 in te !iliines. 9ar tonotcer on Al)ino (yci 7as Cairman o te 9oard and )usiness leader and ilantroist ,r. ee C. Cuan 7as !resident.

9oard o irectors

Our 9oard o irectors$ 7ic reresents our sareolders$ is te igest goerning autority at Cina 9an6. Collectiely resonsi)le or te goernance o te 9an6$ te 9oard guides our oerall ilosoy and direction and sets te ace or our current oerations and uture deeloments$ 7it te rimary mandate o enancing Cina 9an6:s longterm sareolder alue and ensuring roita)ility. oernance )y te 9oard also includes continuous reie7 o our internal structure to ensure t at tere are clear lines o accounta)ility or management trougout te 9an6.

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Gil0e1t U2 3ee Vice Cairman o te 9oard

Hans T2 Sy Cairman o te 9oard

ete1 S2 3ee irector and Cie 8ecutie Oicer 

Hen1y Sy& S12
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#oa4uin T2 3ee irector 

#ose T2 Sio irector 

He10e1t T2 Sy irector 

Ha1ley T2 Sy irector 

Rica1do R2 C5ua irector$ (enior 8ecutie Vice !resident and Cie Oerating Oice 12

Ro0e1t 62 7uan ndeendent irector 

Al0e1to S2 Yao ndeendent irector 

3y Tiong ndeendent irector 

VISION ra7ing strengt rom our ric istory$ 7e 7ill )e te )est$ most admired$ and innoatie inancial serices institution$ artnering 7it our customers$ emloyees$ and sareolders in 7ealt creation.

"ISSION Ge 7ill )e a leading roider o ?uality serices consistently deliered to institutions$ entrereneurs$ and indiiduals ere and a)road$ to meet teir inancial needs and e8ceed teir rising e8ectations.

Ge 7ill )e a rimary catalyst in te creation o 7ealt or our

customers$ drien )y a desire to el tem succeed$ troug a igly motiated team o 13

cometent and emo7ered roessionals$ guided )y indet 6no7ledge o teir needs and suorted )y leadingedge tecnology.

Ge 7ill maintain te igest etical standards$

sense o resonsi)ility$ and airness 7it resect to our customers$ emloyees$ sareolders$ and te communities 7e sere.

(u)sidiaries and Aliates

C5inaBan8 Sa9ings& Inc2 :CBS; Cina 9an6:s saings )an6 su)sidiary ollo7ing te ac?uisition o ,anila 9an6 in une 200". t 7as relaunced on (etem)er @$ 200@ as Cina9an6 (aings$ nc. t is dedicated to sering te )an6ing needs o consumers and )usinesses 7itin its t arget mar6et$ sering rimarily retail customers and small to mediumscale )usinesses. t aims to oerate and gro7 as a roita)le communityoriented institution$ ocusing on tree roduct lines* deosits$ consumer loans and trust serices.

"anulife C5ina Ban8 Life Assu1ance Co1
C5ina Ban8 Insu1ance B1o8e1s& Inc2 :CBIBI;  A ull serice general insurance )ro6erage. sta)lised on #oem)er 3$1>>@$ it roides 14

direct insurance )ro6ing or retail and cororate customers 7it a 7ide and comreensie range o lans or te lie and nonlie insurance segment. &e lie insurance retail roducts include ndo7ment$ Retirement !lans$ &erm$ Bnit 'in6ed !lans$ Gole 'ie$
C5ina Ban8 1o@2 to roide comuterrelated serices solely to Cina 9an6. t manages te 9an6:s electronic )an6ing and ecommerce re?uirements$ including sourcing$ deeloing and maintaining sot7are and ard7are$ inancial systems$ access deices and net7or6s to oster te saety and soundness o Cina 9an6:s tecnology inrastructure and 6ee its rocessing caa)ilities in to sae.

.

&e #ature o my Gor6 in te Oice &e duties tat 7ere assigned to me 7ere iling o documents$ sorting ;cec6ing$ saings and inter)ranc slis o orms=$ cec6 scanning$ sending iles troug a8$ cec6 clearing$ encoding o inter)ranc serice carge 7aied reorts$ rinting 9OA daily reorts$ sending o inter)ranc cancelled cec6s troug ouc$ rearing te montly statements o account o (aings/Current  Accounts$ acceting ayments or arious institutions 9ali)ago Gater7or6s$ ((($ !il ealt= and rearing tic6ets or arious transaction entries.

V. etting Along on te o)  A. #e7 -riends Ac?uired ;#ames$ ositions and duties tey erormed= 15

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,rs. Halda Ocamo 9ranc ,anager  Resonsi)le or managing te 9ranc Oice in order to meet te inancial serices needs o customers in te assigned community mar6et areaI imlementing strategies to aciee goals deeloed or t e oice as art o te 9an6:s oerall strategic lanI ensuring te oiceLs comliance 7it oerating olicies and rocedures and outside regulatory re?uirementsI directly suerising assigned ersonnelI communicating 7it aroriate management and sta ersonnelI roiding eriodic reorts.



,r. oannes V. arcia (! &rainee/ 9ranc Oerations


,rs.
tas6s$ reconcile teller cas )alances and assist tellers 7it diicult customer ?uestions or ro)lems. 

,rs. Ro8ann !. ,ailman 9ranc Oerations Assistant ;9OA= &e )ranc oerations assistant ;Accounting= is generally in carge o te )ranc general ledger and su)sidiary ledgers$ rocessing dis)ursement transactions and rearations o arious reorts su)mitted to te


,rs. Patleen A. Cayanan Customer Relations Assistant ;CRA= &e Customer Relations Assistant ;CRA= acts as te mar6eting arm in te )ranc. As a ront liner$ se must 6no7 most$ i not all$ o te roducts and serices o te )an6 to )e a)le to sell and crosssell tem to te clients.



,s. Anne Racell . &aang K ,r.
9. O)seration on te Rules and Regulations o te Oice -or te mloyees o t is te resonsi)ility o suerisors and managers to utilize aaila)le resources to train$ ?ualiy and deelo teir emloyees. REPUBLIC ACT NO. 1405 

 An act roi)iting disclosure o$ or in?uiry into$ deosits 7it any )an6ing institution and roiding enalty tereore. 9e it enacted )y te (enate and te
SECTION (2 t is ere)y declared to )e te olicy o te goernment to gie encouragement to te eole to deosit teir money in )an6ing institutions and to discourage riate oarding so tat te same may )e roerly utilized )y te )an6s in autorized loans to assist in te deeloment o te country SECTION $2 All deosits o 7ateer nature 7it )an6s or )an6ing institutions in te !iliines including inestment in )onds issued )y te oernment o te !iliines$ its !olitical su)diisions and its instrumentalities are ere)y considered as o an a)solute conidential nature and may not )e e8amined$ in?uired or loo6ed into )y any erson$ goernment oicial$ )ureau or oice$ e8cet uon 7ritten ermission o te deositor$ or in any cases o imeacment$ or uon order o a cometent court in cases o )ri)ery or dereliction o duty o u)lic oicials$ or in cases 7ere te money deosited or inested is te su)Fect matter o litigation. SECTION )2 t sall )e unla7ul or any oicial or emloyee o a )an6ing institution to disclose to any erson oter tan tose mentioned in (ection 2 ereo an inormation concerning said deosits. SECTION %2 All acts or arts o Acts$ (ecial Carters$ 8ecutie Orders$ Rules and Regulations 7ic are inconsistent 7it te roisions o tis Act are ere)y reealed. SECTION /2 Any iolation o tis la7 7ill su)Fect te oender uon coniction to an imrisonment o not more tan ie ;5= years or a ine o not more tan t7enty tousand esos or )ot$ in te discretion o te court. SECTION .. &is Act sall ta6e eect uon its aroal. A<<1o9ed2 Se
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o

-or te studenttrainees

&e engagement as a student trainee is su)Fect to te ollo7ing conditions* 1. Hou agree to comly 7it all te training re?uirements o te rogramI 2. &ere 7ill )e no emloyeremloyee relationsi )et7een you and te )an6I 3. Hou 7ill 6ee in strict conidence any inormation 7ic you 7ill come to 6no7 or learn in te course o your trainingI 4. &e lace and scedule o onteFo) training 7ill )e at* C9C Angeles City ,ar?uee ,all 9ranc. ,ondays to -ridays rom 10*00 u to *30 !, 5. Hou 7ill a)ide )y all te olicies$ rules and regulations o te 9an6$ including )ut not limited to$ 7or6ing ours$ oice attire$ and oice decorum.

C. 'ayout o te Oice 7ere te student trainee 7as deloyed*

Accounting 3eB1anc5

O

O
B1anc5 O
Vault

Head Cas5ie1>Su
B1anc5 "anage1

Telle1  (

Telle1   $ Insu1ance Sales Re<1esentati9e

Custo=e1?s A1ea

Ne@ Accounts> Custo=e1 Relations Assistant

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Ent1ance V. An aluation o my &raining  A. Oice !rocedures 'earned and Alied On te irst day o my internsi$  elt so nerous to commit mista6es )ecause  7as a ne7)ie at tat time and  also elt araid mostly 7en  7as aing a conersation 7it te sueriors. 9ut in tat moment  realized$  need to roe tem tat  am a irm$ le8i)le and ersatile in any 6ind o circumstances. And  oten so7 tem my )est to ma6e tem amazed. n line 7it my irst day$  immediately ad un 7it te stas )ecause o  teir gleeul and a)itual Fo6er ersonality.  also amiliarized mysel 7it te organizational rocedures and tecni?ues. uring my training days$  oten racticed mysel to 7a6eu early in te morning Fust to )e on time and until no7  am so roud o mysel to ae maintained it. And in line 7it tis$  al7ays did accomlis te tas6s tat 7ere assigned to me )y m y suerisorsI  did aer 7or6s$ comilation o iles$ clearing cec6sI  also e8erienced to ans7er one calls and to accommodate and entertain ne7 customers. &en at te end o te day$  7ill gie mysel enoug time to rest to get ready or te ne8t day. ruelling yet enFoya)le. nFoya)le )ecause  6ne7 tese are te 7or6s tat  may attain in te near uture.  al7ays so7ed my selconidence 7eneer  did an actiity eac day.  also 7or6ed not only or te sa6e o inising te actiity$ )ut  7or6ed 7it interest on te assigned tas6.  a)sor)ed and ollo7ed instructions easily.  7as oen to learn ne7 tings. And during my training$  also eled my cotrainee to get on te Fo).  As time 7ent )y$  learned to alue intimacy and close6nit relationsi togeter 7it my cotrainee and sueriors.  learned rinciles o team7or6.  deeloed my 20

a)ility to 7or6 7it oters.  learned to andle my resonsi)ilities as 7ell as my accounta)ility to te )ranc.  also o)sered roer time management and act 7it seed and accuracy.  7ill not orget tis internsi mostly te last day$ 7ic is August 2"$ 2013. Hes$ it 7as te day  end my internsi$ )ut tat 7as te day  totally a)sor)ed all te tings tat  ae learned during my training in Cina 9an6.

-OR ACCOB#&# (&B#&( a. Gat is te organizational cart o te deartmentQ C<#A 9A#P# COR!ORA&O# 9RA#C< ORA#A&O#A' C
 YAL3A Y2 OCA"O "anage1  HIL3A 32 AREENTI3O

#OHANNES V2 GARCIA

Su
BOH

RO!ANN 2 "AIL"AN

HAROL3 A2 VISTAN

ANNE RACHELL 32 TAANG TELLER V

. dentiy te dierent sections and teir resectie unctions in te Telle1 deartment T1ainee* IV BOA you are deloyed.

Accounting 3e
CRA

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ay1oll &e total 7ages and salaries earned )y eery emloyee eery ay eriod$ 7ic are called gross wages or gross earnings, ae to )e calculated. 9ased on detailed riate inormation in ersonnel iles and earningstodate inormation$ te correct amounts o income ta8$ social security ta8$ and oter deductions rom gross 7ages ae to )e determined.

Stubs, 7ic reort arious inormation to emloyees eac ay eriod$ ae to )e attaced to ayroll cec6s. &e total amounts o 7iteld income ta8 and social security ta8es$ lus te emloyment ta8es imosed on te emloyer$ ae to )e aid to ederal and state goernment agencies on time. Retirement$ acation$ sic6 ay$ and oter )eneits earned )y te emloyees ae to )e udated eery ay eriod.

n sort$ ayroll is a comle8 and critical unction tat t e accounting deartment erorms. ,any )usinesses outsource ayroll unctions to comanies tat secialize in tis area.

•

Cas5 collections All cas receied rom sales and rom all oter sources as to )e careully identiied and recorded$ not only in te cas account )ut also in te aroriate account or te source o te cas receied. &e accounting deartment ma6es sure tat te cas is deosited in te aroriate cec6ing accounts o te )usiness and tat an ade?uate amount o coin and currency is 6et on and or ma6ing cange or customers.

 Accountants )alance te cec6)oo6 o te )usiness and control 7o as access to incoming cas receits. ;n larger organizations$ te treasurer  may )e resonsi)le or some o tese cas lo7 and casandling unctions.=

•

Cas5
ariety o urcases$ to ay roerty ta8es$ to ay on loans$ and to distri)ute some o its roit to te o7ners o te )usiness.

&e accounting deartment reares all tese cec6s or te signatures o te )usiness oicers 7o are autorized to sign cec6s. &e accounting deartment 6ees all te suorting )usiness documents and iles to 6no7 7en te cec6s sould )e aid$ ma6es sure tat te amount to )e aid is correct$ and or7ards te cec6s or signature.

•

1ocu1e=ent and in9ento1y Accounting deartments usually are resonsi)le or 6eeing trac6 o all urcase orders tat ae )een laced or inventory  ;roducts to )e sold )y te )usiness= and all oter assets and serices tat te )usiness )uys  rom ostage to or6lits.

 A tyical )usiness ma6es many urcases during te course o a year$ many o tem on credit$ 7ic means tat te items )ougt are receied today )ut aid or later. (o tis area o resonsi)ility includes 6eeing iles on all lia)ilities tat arise rom urcases on credit so tat cas ayments can )e rocessed on time.

&e accounting deartment also 6ees detailed records on all roducts eld or sale )y te )usiness and$ 7en te roducts are sold$ records te cost o te goods sold.

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1o
8cet or smallcost items$ suc as scre7driers and encil sareners$ a )usiness maintains detailed records o its roerty$ )ot or controlling te use o te assets and

23

or determining ersonal roerty and real estate ta8es. &e accounting deartment 6ees tese records.

&e accounting deartment may )e assigned oter unctions as 7ell$ )ut tis list gies you a retty clear idea o te )ac6oice unctions tat te accounting deartment erorms. Nuite literally$ a )usiness could not oerate i te accounting deartment did not do tese unctions eiciently and on time. &o do tese )ac6oice unctions 7ell$ te accounting deartment must design a good )oo66eeing system and ma6e sure tat it is accurate$ comlete$ and timely.

"a18eting 3e
sould )egin 7it te rearation o lanning documents tat ta6e into account te ull scoe o serices. &e main art o te mar6eting lan includes a reie7 o lan mar6eting actiities$ mar6et analysis$ oortunities and treats$ callenges and issues$ mar6eting strategies$ action rograms$ )udget and control. &e transition rom mar6eting strategies to mar6eting actions include tree 6ey elements* action rogram deines te main tas6s and actiities necessary to imlement a mar6eting lan$ indicating te erormers and te timing o te 7or6$ te organizational structure deines te tas6s and o7ers o oicers o te )an6 mar6eting$ as 7ell as coordinate teir eortsI decisionma6ing system and te re7ards o mar6eting te )an6Ls coordinates tese tyes o mar6eting actiities suc as lanning$ inormation$ )udgeting$ comensation$ romotion and training. .  any$ 7at accounting system/s is utilized in te deartment/comanyQ &e accounting system utilized in Cina 9an6 is te )an6 reconciliation. -.
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Oice ?uiment Oerated uring my training in Cina 9an6  got to oerate te ollo7ing oice e?uiment* 9ill Counters $iscriminators / Value Counters$ #ote (orter $ Coin Counters$ Card !rinters$ (redders$ -a8 ,acines$ !rinters$ 9iometrics$ &eleone$ Comuters$ !otocoying ,acine$ 25

(canner$ Cec6 (canner$ Clearing system$ Calculator$ -urniture and Oter Oice (ulies ; aer clis$ ostit notes$ and stales$ small macines suc as uncers$ )inders$ stalers and laminators$ 7riting utensils and aer =.

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uties and Resonsi)ilities/Gor6 done in te Oice ;!otos o 7or6 erormed )y te intern during is/er training. &is must )e done or te urose o documenting is/erracticum.= 

&e duties tat 7ere assigned to me 7ere iling o documents$ sorting ;cec6ing$ saings and inter)ranc slis o orms=$ cec6 scanning$ sending iles troug a8$ cec6 clearing$ encoding o inter)ranc serice carge 7aied reorts$ rinting 9OA daily reorts$ sending o inter)ranc cancelled cec6s troug ouc$ rearing te montly statements o account o (aings/Current Accounts$ acceting ayments or arious institutions 9ali)ago Gater7or6s$ ((($ !il ealt= and rearing tic6ets or arious transaction entries.

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&e ictures so7n )elo7 are some o te tas6s assigned to me during my training*

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V. O)sered Organizational Values

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nterersonal Relationsis M  learned o7 to deal 7it dierent 6inds o eole. Gor6ing 7it Relationsis 7it te 8ecutie K CoGor6ers  immediately ad un 7it te stas )ecause o teir gleeul and a)itual Fo6er ersonality. 9ut 7it te

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)ranc manager$  ma6e sure tat  7as ollo7ing all te oice rules. &eam7or6  learned rinciles o team7or6.  deeloed my a)ility to 7or6 7it

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oters and te imortance o it. Nuality o (erice eliered  ma6e sure tat te tas6s tat 7ere assigned to me are done comletely$ accurately$ eiciently and neatly. And tat  7as doing my Fo) 7it oenness to learning.

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