c

ccccccccccccccc THE REAL BANK

A Thrift Bank

Upholding Filipino Values.

Supporting Filipino Dreams.
Ê

Established in 1976, Real Savings and Loan Association Inc. (RSLAI) started as a single-branch bank in Cainta, Rizal.
It remained as such for more than fifteen years with minimal growth until the current group of owners led by Realty
Developer Jose L. Acuzar took over in 1994. A new management came in headed by Jose G. Araullo as Chairman of
the Board in 2003 and Alfredo S. Barretto as President in 2004. Further, the new management improved operations
effecting significant growth in terms of the following:

M Approved capitalization increased to P1 Billion and application for P1.8 Billion capitalization is in process.
M Branch Network grew from four branches ± in Cainta and Masinag of Rizal and in Malolos and Guiguinto
of Bulacan - to twenty-four (24) branches including the transfer of its Head Office to Timog Avenue, Quezon
City. The additional branches were distributed throughout the major growth municipalities of Bulacan,
Laguna, Cavite, Rizal, Batangas and Metro Manila.
M Products and Services expanded to include demand deposits, special savings, foreign currency deposit
operations, conduit lending, computerized CASA operations, ATM as well as consumer and Auto Loans.
M Resources continue to grow from its P2.39 Billion level in 2003 to over P9 Billion in 2009 and still growing.

ÿ


under the experienced and seasoned leadership of Jose G. Araullo as Chairman of the Board and Alfredo S. Barretto
as President, The Real Bank management was steered into new and better directions since 2003.

After helping successfully build up the Punongbayan & Araullo Auditing Firm as co-founder, Chairman Jose G.
Araullo accepted the challenge of leading The Real Bank into a unique path that aims to make use of traditional
Filipino values education as the foundation for nation-building and an effective tool for progress and development-
something that not too many financial institutions pursue.

Equipped with an extensive banking expertise honed from being engaged for top and senior positions in Metropolitan
Bank and Trust Company (Metrobank), Philippine Savings Bank (PS Bank), Philippine National Bank (PNB) and the
Bangko Sentral ng Pilipinas (BSP) and with consistent leadership in the field of Accountancy, Chairman Araullo
carefully planned and courageously pursued building up The Real Bank on its way to be one of the top thrift banks in
the country. This character of persistence attained for himself various achievements and recognition as a community
and business leader which have culminated in his nomination and inclusion in the San Beda Hall of Fame 2006.

Chairman Araullo took in an equally competent and accomplished Alfredo S. Barretto as President. He, on the other
hand, gained his banking skills and expertise from over 30 uninterrupted years in the industry holding management
positions in Traders Royal Bank and Philippine Savings Bank that earned for him a reputation of integrity and value.
Together, they formed and led a core management team that is a blend of both new as well as homegrown officers
distinctly characterized by dedication and perseverance.

This choiced and well-grounded management team work towards one common goal which is to establish a name for
The Real Bank in the industry guided by their corporate dictum of ³upholding Filipino Values, Supporting Filipino
Dreams.´
i


To be one of the country ¶s most respected and trusted thrift banks by providing consistently and distinctively honest
and dedicated service.

ÿ



For our clients, whom we consider as the primary reason for our being in business, we commit integrity, efficiency
and quality service in the way we carry out your transactions.

For our suppliers and service providers whom we regard as business partners, we pledge fair deal and transparency
at all times.

For our employees, our commitment is not only to render a respectable career but also to nurture positive values that
are founded on moral and professional dignity and self-esteem thus making The Real Bank the best place to work in.

Finally for our shareholders, to whom we dedicate our commitment, we pledge to manage your assets skillfully and
willingly, like our own, to guarantee the best yield and return on investments.

And with God¶s Blessings, to these we offer our sincere services as we vow to pass them on, as our legacy to the
future members of The Real Bank.

  


When the management team headed by Jose G. Araullo as Chairman of the Board in 2003 and Alfredo S. Barretto as
President in 2004 took over the Bank¶s operations, initial steps taken were all focused on addressing specific
operations and systems concerns including installation of more efficient controls and liquidity management. Starting
with year-end 2003 and ending in 2004, total resources of P2.39 Billion increased to P2.56 Billion; The growth was
mainly brought about by increase in paid-up capital. However, from 2004 to 2005, marked improvements were
significantly recorded in loans and deposits resulting in total resources at P3.27 Billion in 2005 and P4.19 Billion in
2006. The bank continues in expressing significant improvements when total resources reaches P6.21 Billion in 2007
and P7.20 Billion in 2008. At present, 2009 total resources is at P9.3 Billion.

The results are management effort to pursue overall operations expansion through its new image, more aggressive
marketing strategies, development of products and services and elevating the quality of its manpower.

With a re-engineered vision and mission, the bank went into computerization of its CASA operations and continues to
install more improved and efficient systems and technology advancements in other areas of operation including loans,
accounting and treasury operations.

ATM services were offered as a significant addition to its deposit product base and payroll services were also
provided for clients in need of payroll servicing assistance.

Loan servicing was also expanded to include more consumer-based such as salary loans, auto loans, and small
business financing packages.

Alongside expansion of products and services, manpower development programs are also conducted to equip all
personnel with the necessary knowledge and skills that will help in the marketing and operations of the bank.

Armed with all these improvements, The Real Bank faces up to the challenge of making its way to the top as it
establishes its name and its own identity in the Philippine thrift banking industry.
(



  



(



 

  




Peso Savings Account, evidenced by a passbook, paying interest of 1% per annum for a minimum initial deposit and
maintaining balance of P500.00

 



A checking account for a minimum initial deposit and maintaining balance of P3,000.00 for individual accounts and
P5,000.00 for commercial accounts.

 







Interest-bearing checking account provided with checkbook and a record book (similar to a passbook) for easier and
more efficient monitoring of your cash flow. Opening amount and minimum maintaining balance is P10,000.00 with
interest rate of 1.0% per annum.

  Êÿ


An Automated Teller Machine (ATM) Account that offers 24-hour banking service through any Real CASH, BancNet,
Megalink or Expressnet ATM. We pay interest of 1% per annum at a minimum ADB and require only a minimum
initial deposit of P100.00 and P500.00 maintaining balance for our ATM Savings Account and P3,000.00 minimum
initial deposit and maintaining balance for our ATM Current Account. Also available as ATM Payroll. Pay your bills or
transfer funds to your other accounts using your ATM Card.

 ( i 

 

 


Savings Account, especially designed for children 12 years old and below, with initial deposit requirement of P100.00
and special interest of 4% per annum at a minimum ADB of P500.00. (Special gift items are also given to members
during special RKSC activities/promo)

 


 




Savings account with a minimum monthly contribution starting at P500.00 only and with escalating interest of 2% on
first (1) year, 4% from 1 year + 1 day up to 3rd year and 6% from 3rd year + 1 day onwards per annum.
(ÿÿ i 

 (  

 

A Special Savings Account that earns special interest rates based on the deposit amount and the agreed deposit
term. Minimum deposit is P20,000.00

 ( 





Special product ± offered for a limited period only, minimum of P500,000.00

(   


A Special Savings Deposit Account fixed for 5 years with P20,000.00 minimum placement. It is evidenced by a
passbook and earns tax free interest much higher than a regular savings deposit account. The interest earned is
credited monthly to a specified savings or checking account.

 ÿ ( 




Time Certificate of deposit for a fixed period of your choice from 30 to 180 days with higher yields than regular
savings accounts.

!""#

A Special Term Deposit product with a minimum placement of P20,000 and earns an interest higher than regular time
deposit accounts. The terms of placement are 1-2-3 years, evidenced by Certificate of Time Deposit (CTD). Interest
is automatically credited monthly to your specified savings or current account.

$

5 years time deposit, minimum placement of P20,000.00, evidenced by Certificate of Time Deposit (CTD). Interest is
tax free and credited monthly to your specified savings or current account.
LOAN PRODUCTS
   

Financing for acquisition of brand-new and second-hand vehicles for private use. This facility is open to qualified
individuals and company accounts. Real Deal has a low downpayment requirement and has flexible terms. It also
offers prompt payment discount with affordable interest rate.

  

Loans to finance activities relating to agriculture and for processing, marketing, storage and distribution of products
resulting from these activities.





Loans for your immediate personal consumption such as purchase of furniture and household appliances, and other
personal requirements.

 

Additional working capital loans to finance activities involving the resale (sale without transformation) of goods
whether wholesale or retail.




 

Involves receivables-inventory financing, factoring, equipment financing, financing of plant or building acquisition and
financing other capital expenditures.

 
 

Loans for the acquisition, construction, and renovation of your residential houses and lots.

OTHER SERVICES
R (  

u.S. $ Savings Account

u.S. $ Time Deposit

Ê i 

Deposit pick-up and Delivery

u.S. $ Foreign Exchange

Safety Deposit Boxes

%(





&&'R

 ((


The year 2009 once again proved the resiliency of the Bank under a very hostile financial environment.
The Philippine banking industry had just weathered a crisis of confidence in 2008 when several small
banks closed shop amidst money scandals. Though the Bank was mildly affected that year, the following
year saw the effects of global financial crisis creeping into the industry. In its wake many financial
institutions including this bank, for fear of large-scale credit failures, employed tightening of credit. It took
an assurance from monetary authorities of reasonable financial supervision during these times of crisis to
pacify a wary industry.

Through all these tumultuous events, the Bank managed to grow its resources by P2.133 billion or
approximately 30% improvement from previous year. The growth came primarily from deposits, which
registered an increment of P1.991 billion or 33% up from prior year. Loans, IBCL and other receivables of
P6.904 billion likewise increased by P1.742 billion or 34% more than the previous year. Provision for
credit and impairment losses of P70.156 million is also P1.2 million higher than last year. Liquid assets
represented by cash and due from banks also managed a double-digit growth of 37% from P445 million
to P609 million in 2008 and 2009 respectively. The higher liquid assets are a consequence of a larger
deposit portfolio. Investments in government securities also increased by P526 million as the Bank
beefed up its inventory of Agri-Agra bonds due to expected larger compliance requirement resulting from
a new law to enhance government¶s agrarian reform initiatives.

The results of operation for the year, ended with a modest profit of P10.618 million on the strength of
large gain from sale of non-financial assets amounting to P237.134 million. Operating expenses
increased minimally by P6.205 million, just 1.7% more than last year a no mean feat and a testament to
the bank management¶s initiative to conserve on unnecessary expenditures. Bank¶s equity was boosted
by an additional P100 million capital infusion after the end of the year. This is in addition to the P350
million additional capital paid up and received by the Bank in previous years. The whole amount of P450
million additional paid up capital shall be recognized as part of equity as soon as the Bank receives the
approval from the Securities and Exchange Commission.

The challenges hurdled for the year need to be replicated in succeeding years in order to sustain Bank¶s
pattern of growth and profitability. More need to be done in the years¶ ahead and as we tackle problems
that come our way, I¶m confident that we will always manage to pull through at all times, banking on the
continuing commitment by officers and staff of the Bank.
Ê) 
ÿ

Ê
  

 
 
7th Floor, President Tower, Ground Floor, President Tower,
#81 Timog Avenue, Diliman, Quezon City #81 Timog Avenue, Quezon City
Trunkline: 928-5545 Tel. No. 415-5592
www.realbank.com.ph Telefax: 415-5589
ÿÿ 
 
Y


 Y
 


G/F Belmont Place, #5 Belmont Place Building, #1451-1457 Claro M. Recto, Sta. Cruz, Manila
Anonas Street, Project 3, Quezon City Tel Nos. 740-9135 / 740-9173
Tel. Nos. 434-6995 / 995-0392 Telefax: 495-0199
Telefax: 434-6994


 




#668 Sta. Elena St., Binondo Manila G/F 316 Bldg., #316 EDSA Avenue,
Tel. Nos. 243-7638 / 243-6994 Monumento, Caloocan City
Telefax: 247-0815 Tel. Nos. 332-1835 / 332-1836
Telefax: 332-1837

  

 




B2, Lot 23 Commonwealth Ave., #4466 Makati Avenue cor.
Fairview, Quezon City Singian St., Makati City
Tel. Nos. 461-6651 / 427-1925 Tel No. 896-0991
Telefax: 427-1926 Telefax: 896-4536
|

Y

 




Circumferential Rd., Barangay San Roque, Km. 17, Ortigas Avenue Extension
Antipolo City Cainta, Rizal
Tel. No. 696-5293 / 630-4071 Tel. No. 655-2113 / 655-4059
Telefax: 650-7095 Telefax: 655-3674




 

 


#198 Sumulong Highway, #178 Gen. Luna St. cor. M.H. Del Pilar St.,
Mayamot, Antipolo City Dulong Bayan II, San Mateo, Rizal
Tel. No. 681-0394/681-0393 Tel. Nos. 927-3201 / 941-3665 /
Telefax: 643-1343 941-0140
Telefax: 941-1892





 cc
unit 104 Manila East Arcade Bldg.,
Rizal Ave., Taytay Rizal
Tel. No. 660-9965 / 660-9964
Telefax: 660-9968
? 






 




D&A Bldg. II, McArthur Highway, San Juan, #321 Benigno Aquino Ave., Bagong Nayon,
Balagtas, Bulacan Baliuag, Bulacan
Tel No. (044) 693-3238 Tel. No. (044) 673-1382
Telefax: (044) 918-1008 Telefax: (044) 766-1179


 
 


Cagayan Valley Rd., Sta Cruz, Mc Arthur Highway, Bulacan Provincial Capitol Grounds,
Tabang, Guiguinto, Bulacan Guinhawa, Malolos, Bulacan
Tel. No. (044) 794-0140 / 690-2374 Tel No. (044) 791-1865
Telefax: (044) 794-0139 Telefax: (044) 662-1542
 




 
 


McArthur Highway, Calvario, #544 Cagayan Valley Rd., Banga 1st,
Meycauayan, Bulacan Plaridel, Bulacan
Tel. No. (044) 840-9808 Tel. No. (044) 795-0385
Telefax: (044) 935-3474 Telefax: (044) 795-0384
¢ 


 

 m



#244 Km. 17, Aguinaldo Highway, #90 Tirona Highway, Balsahan, Binakayan,
Panapaan, Bacoor, Cavite Kawit, Cavite
Tel. No. (046) 502-1959 / (046) 970-0078 Tel. No. (046) 434-4880
Telefax: (046) 970-0078 Telefax: (046) 434-4840


 cc
Lot 14-16 Citihomes Molino 4, Molino Road,
Bacoor, Cavite
Tel. No. (046) 872-4521
Telefax: (046) 872-4250
p   


!


 cc
F.P. Perez Commercial Center,
#495 M.E. Crossing, Calamba City, Laguna
Tel. No. (049) 545-0170
Telefax: (049) 545-5954
?   





 "



#254 P. Burgos St., Batangas City B. Morada Ave., Lipa City, Batangas
Tel. No. (043) 723-6859 Tel. No. (043) 756-2762 / (043) 312-6679
Telefax: (043) 723-6860 Telefax: (043) 756-2352
Social Responsibility

     ÿ   ÿ 

*

On the first year when Real Bank was placed under the skilled leadership and management team headed by Jose G.
Araullo and Alfredo S. Barretto, one of the more important concerns was to improve the bank¶s image.

In mid-2004, the new set of Board of Directors decided to invest on a considerable amount for The Real Bank¶s
image-building distinctive from its competitor-banks ± its very unique position in the thrift bank industry.

Founded on the bank¶s new dictum of µu
  

       the management
decided to embark on a courageous advocacy aiming to re-orienting Filipino children towards the importance and
values of thrift and savings ± extending also to their parents and family.

Believing the effective tools towards nation building are the authentic and traditional Filipino value of thrift and
services, the program aimed at teaching the children practical ways of thrift and savings from the wise use of
resources.

Starting school year 2004-2005, a partnership with the country¶s prime education movers, the Department of
Education, was instituted to launch and implement the       
   
 ! ""#$ 

The project was first introduced in 18 selected public and private schools in Metro Manila, Bulacan, Rizal, Cavite,
Laguna and Batangas areas. As the project gained acceptance by the beneficiary-publics, a total coverage of 125
schools reaches the areas of Cebu and Davao including 20 selected NCR high schools where financial independence
through the values of honesty and hard work in entrepreneurship is also promoted. To date, the total coverage
translated into a total program beneficiaries of more than 26,000 students that are equipped with sufficient and
applied knowledge on the important values of thrift and savings.

Campaign tools are also improved and included (1) simple classroom activity books on thrift and savings; (2) stage
presentations of practical saving in the household; and (3) art painting contests that gauge children¶s overall
understanding of the concepts being taught.

Learning materials ± include big colorfully illustrated storybooks, now popularly called %& '( )
( ( *, its third of series ± are true-to-life childhood thrift and savings stories of The Real Bank
Chairman of the Board Jose G. Araullo.

Stage presentations or mobile theaters have evolved into school-wide activities that encourage more participative
involvement of the student audience in practical saving not only in their respective households but also within their
communities.

The annual competitions that help measure understanding, acceptance and practical application of the values being
taught have developed not only through the children¶s paintings but also in their essays, story telling and ³alkansya´-
making out of household recycled materials.
The Real Bank has continued with the program for the past six years. Its positive effects formed in the character of
the Filipino children whose Kiddie deposits with The Real Bank have significantly increased about P8 Million in 2004
to over P60 Million in 2009.

Because of mere campaign effort and pursue to the community, The Real Bank received numerous awards and
recognition by both local and international for the following:

M 2005 Asian Banking Awards, Runner-up for Marketing, PR and Brand Management Category;
M 2005 National Consumers¶ Quality Award (NCQA), Golden Citation Award for Best Family and Community
Advocacy Program;
M 2005 Global Excellence Award, Outstanding Family and community Advocacy Program;
rd
M 23 Year-ender Excellence & Consumers Choice Awards, Outstanding Reading Materials in Thriftiness;
M 2006 Philippine Marketing Excellence Award, Most Outstanding Family Heritage building Advocacy
Program;
M 2007 National Quality Awards for Consumer Excellence;
th
M 2007 26 Annual Year-ender Expo ± Top Consumer Products & Companies of the Year ±Best National
Heritage Building Advocacy;
th
M 2007 26 Annual Year-ender Excellence Awards
th
M 2008 10 Annual Global Excellence Award, Best National Heritage-Building Advocacy
M 2008 National Product Quality Excellence Awards, Best comprehensive School Program;
M 2008 44th Anvil Award of Excellence ± Public Relations Tool / Special Publications Category for ³Mga
Kwento ni Lolo Pepe´;
th
M 2008 44 Bronze Anvil Award ± Public Relations Tools / Special Publications Category for ³Mga Kwento ni
Lolo Pepe
M 2009 International Quality Crown Golden Award on Education and Advocacy by the Business Initiatives
Direction in London
th
M 2009 45 Anvil Award of Merit ± Public Relations Tool / Special Events Category for ³Bata«Bata..Magpinta,
Magsulat at Magkwento´ Tri-competition

Brought about by these awards and recognitions and the continuous public appreciation of the nobility of the Real
Bank¶s savings advocacy program, trust among its existing clientele was enhanced and strengthened leading to a
more stable and confident customer base that has (among other operations and administrative development and
improvement programs of the bank) significantly and positively affected the bank¶s growth and progress. This
significant progress is best seen in the momentous upturn of the bank¶s major core business ± deposits growing from
over P1 Billion in 2004 to over P8 Billion as of year-end 2009.

As a whole, the Real Bank¶s savings and thrift advocacy program has, indeed, achieved its purpose ± build up the
image of the bank in the thrift bank industry as the +&
+
 and its passion for upholding Filipino
values towards the achievement of the Filipino¶s dreams.
i+ÿ(
, 

 

% 

    ÿ   ÿ 

 


   


&&$
!-



, 

&&$

Runner-up for Marketing, PR and Brand Management Category

-  



.  , 

&&$

NCQA Golden Citation Award for Best Family and Community Advocacy Program

#- /
, 

&&$

Outstanding Family and Community Advocacy Program

&&0 
1-# + 

/
2


% , 



Outstanding Reading Materials in Thriftiness

$-(%  
ÿ 
/
, 

&&0

Most Outstanding Family Heritage Building Advocacy Program

&&3 
0-&&3  
.  , 



Consumer Excellence

3-0%

 + 

, 

2/

2007 Top Consumer Products & Companies of the Year Best National Heritage-Building Advocacy

4-0%

 + 

/
, 



2007 Global Excellence Awards Best National Heritage-Building Advocacy

&&4 
'-!&%

  /
, 
&&4

Best National Heritage-Building Advocacy

!&-&&4  
(
.  /
, 


Best Comprehensive School Program

&&' 
!!-

 , 



³Mga Kwento ni Lolo Pepe´ Storybook

!-
 , 
(/


Tools of Public Relations ( Special Publications)

!#-%

 
.  ,
, 



Gold Category Award on Education an Advocacy

&!& 
!1-
 , 
(ÿ 

PR Tool ± Special Events ± Bata« Bata« Magpinta, Magsulat at Magkwento

 


 (( 

% 
 
( 


5
- 
Chairman of the Board

(
 -  5
- 
President Director

ÿ   - 

 
-(

Director Director

 (-   
 
 -
 
Director Director

R
-


)-

Director Director
 % 
 
ÿ



5
- 
Chairman of the Board

(
 -  
 
 -
 
President Executive Vice President

- 

-Ê


 R
-

Senior Vice President-Legal First Senior Vice President-Loans

 -  , 




 - %
Senior First Vice President-Treasury, Cash and Senior First Vice President-Corporate Planning
Commercial, and Clearing Operations and Media Services

(- 


-ÿ

 
Senior First Vice President-Internal Audit and
Senior First Vice President-Controllership
Compliance


% (-ÿ
 Ê
 
-  
First Vice President-Rizal Branches First Vice President-Acquired Assets


 (- 5 

)-

First Vice President-Branch Banking Group First Vice President±Metro Manila Branches

i - 
i  +-


Senior Assistant Vice President ± Loan Senior Assistant Vice President ± Sta. Elena
Servicing & Operations Department Branch


 - 
   -
 

Senior Assistant Vice President ± Branch Senior Assistant Vice President ±
Banking Group Controllership Group

 
  - 
  
R-


Senior Assistant Vice President ± Credit Senior Assistant Vice President ± Collection

(    -ÿ 

Senior Assistant Vice President ± Arranque Senior Assistant Vice President ± Meycauayan
Branch Branch

ÿ
  5

-  

Senior Assistant Vice President ± Acquired Assistant Vice President ± Account
Assets Management

 

-  

Assistant Vice President ± Marketing Makati Assistant Vice President ± Marketing Kawit
Branch Branch



ÿ -   - 
 
ÿ-


Assistant Vice President ± Bacoor Branch Assistant Vice President ± Internal Audit Group





 - 
 Assistant Vice President ± General Services
Assistant Vice President ± Systems Department

/

-%


-( 
Assistant Vice President ± Quality Service
Assistant Vice President ± Batangas Area
Assurance