Accountancy, Business, and Management Strand

PERFORMANCE TASK IN FUNDAMENTALS OF

ACCOUNTANCY, BUSINESS AND MANAGEMENT 2 AND
PRINCIPLES OF MARKETING

MARKETING PLAN

AGRIBUSINESS RURAL BANK INC.

SUBMITTED BY:

Leader: AGDEPPA, Ariane Cutie

Co-leader: ROSARIO, Ronald Joshua

Members:

GALANTO, Cristal Anne

RIBUCA, Nicole Kate

VILORIA, Dhart Lavitz

HACHILES, Jenny

SUBMITTED TO:
 Mrs. Angelita G. Pascua YOUR RURAL BANK
THAT CARES….

Agribusiness Rural Bank, Inc. is a financial institution dedicated to serving the unique
needs of rural communities. Established with a focus on agriculture and rural development,
the bank strives to provide tailored financial solutions to farmers, agribusinesses, and
residents in rural areas. With a commitment to fostering economic growth and sustainability
in agriculture, Agribusiness Rural Bank, Inc. plays a vital role in supporting the financial
well-being of rural communities.

Agribank was established in 1978 as part of the Ropali Group of Companies

(RGC). Today they have thirty-three offices nationwide. Inspired to reach unbanked and
under-banked communities, Agribank is bringing innovative products and services to market.
After four decades of dedicated service, Agribank has twenty-one branches across Nueva
Vizcaya and also twelve branch-lites with Business Development Headquarters in Metro
Manila. With over 3.6 Billion pesos in assets, they primarily offer lending for agricultural
production, farm machineries and the MSME’s – farm enterprises, small hold processors and
producers.

Agribank is making every effort to uphold its corporate tag as “Your Rural Bank that
Cares.”

MISSION

Empowering agricultural growth and rural prosperity, our

agribusiness bank is dedicated to delivering customized financial
solutions to farmers, agribusiness enterprises, and rural communities.
Committed to fostering sustainable development, we aim to be the
cornerstone of financial support for the flourishing agriculture sector
and the overall well-being of rural residents and communities we
serve.
SWOT ANALYSIS

STRENGTHS
 Expertise in Agriculture
Extensive knowledge and experience in the agricultural sector, allowing the bank to
understand and address the specific financial needs of farmers and agribusinesses.
 Tailored Financial Solutions
Ability to provide customized financial solutions that cater to the unique
requirements of the agricultural community, fostering better outcomes for clients.
 Rural Presence
Established presence in rural areas, ensuring accessibility for residents and businesses
in remote agricultural regions.
 Diverse Product Portfolio
A wide range of financial products tailored for agriculture, including loans,
insurance, and investment options, enhancing the bank’s ability to meet diverse needs.

WEAKNESSES
 Dependency on Agricultural Sector
Vulnerability to economic fluctuations in the agricultural sector, exposing the bank to
potential financial risks during downturns.
 Lack of Segmentation Methodology
The absence of a systematic approach to categorize and analyze different customers
groups based on their characteristics and needs.
 Lack of online presence
It hinders customer accessibility and modern banking conveniences, potentially
impacting its competitiveness in the evolving financial landscape

OPPORTUNITIES
 Technological Integration
Embracing technological advancements in agribusiness, such as precision farming and
digital tools, can enhance efficiency and create new avenues for financial services.
 Government Initiatives
Collaborating with government initiatives supporting agriculture and rural
development to access subsidies or incentives, fostering mutually beneficial
partnerships.
 Diversification of Services
Exploring additional services beyond traditional banking, like agricultural advisory
or supply chain financing, to diversify revenue streams.

THREATS
 Market Competition
Intense competition from other financial institutions entering the agricultural sector,
potentially eroding market share.
 Regulatory Changes
Changes in government policies and regulations affecting the agricultural and
financial sectors may pose compliance challenges and impact operations.
  Global Economic Factors
Fluctuations in global commodity prices and economic conditions may influence the
financial stability of both farmers and the bank.
 Climate Change
Increasing climate-related uncertainties affecting crop yields and production,
potentially leading to increased defaults on agricultural loans.

These are the services you can apply on Agribusiness Rural Bank, Inc.

•DEPOSITS

Offering diverse deposit products to meet the varying needs of individuals as well as
families and enable them to maximize the yield on their investments.

•LOANS

Provide opportunities to augment the lives of the undeserved sector of the country.

PRODUCTS & SERVICES

 DEPOSITS

1. Regular Savings Account – A savings account that allows you to maximize the
earnings of your everyday funds.

Initial Deposit Requirement P500.00

Minimum Maintaining Balance to Earn
P1,000.00
Interest
Interest Rate (per annum) *subject to change
.25%
without prior notice
Interest Payment Quarterly

Transaction Record Passbook

Account Access Over-the-counter

Final Withholding Tax 20%

2. Smart Savings Account- A Special Savings Account that offers guaranteed

income monthly

Initial Deposit Requirement P10,000.00

Interest Rate (per annum) *subject to change 3.00% to 6.50%
without prior notice *depending on the amount and the term
Term of Deposit Minimum 30 days Maximum of 1year

Interest Payment On maturity date of placement

Transaction Record Certificate of time deposit

Account Access Over-the-counter

Final Withholding Tax 20%

3. Starflex Deposit Account- The 5-year Deposit Account that provides flexible options
and better yields, TAX FREE.

Initial Deposit Requirement P50,000.00

Interest Rate (per annum) *subject to change 6.50% to 7.0%
without prior notice *depending on the amount and the term
Interest Payment Monthly

Transaction Record Certificate of time deposit

Account Access Over-the-counter

None for Personal Accounts, 20% for
Final Withholding Tax
Corporate Accounts

4. Starflex Bigla Todo Account- Giving you the options to invest, providing tax-free
products to consider for your 5-year money!

Initial Deposit Requirement P50,000.00

Interest Rate (per annum) *subject to change
5.00% to 5.50%
without prior notice
Term of Deposit 5 years and 1 day
First 12 months – Lump sum interest
Interest Payment Payout 13th month to 16th month- Monthly
Interest Payout
Transaction Record Certificate of time deposit

Account Access Over-the-counter

0% for Individual Accounts
Final Withholding Tax
20% for Corporate Accounts
 5. Starflex Plus Deposit Account – Giving you the options to invest, providing tax-free
products to consider for your 5- year money!

Initial Deposit Requirement P50,000.00

Interest Rate (per annum) *subject to change
5.00% to 5.50%
without prior notice
Term of Deposit 5 years and 1 day
Additional 1.00% for the first 12 months
Interest Payment
5.50% to 6.00%
Transaction Record Certificate of time deposit

Account Access Over-the-counter

0% for Individual Accounts
Final Withholding Tax
20% for Corporate Accounts

6. Micro Savings Account – An interest – bearing savings account with low initial
deposit and no maintaining balance, to help you start off with your savings journey.

Initial Deposit Requirement P100.00

Maximum Account Balance P50,000.00

Interest Rate *subject to change without
0.20% p.a
prior notice
Interest Payment Monthly

Maintaining Balance 0

Dormancy Charges 0

Transaction Record Passbook

Account Access Over-the-counter

Final Withholding Tax 20%

7. Bagong Bayani Deposit

 Bagong Bayani Savings Deposit- offers high yield, risk- free investments to
our OFW.

Initial Deposit Requirement P500.00

Maintaining Balance to Earn Interest P500.00

Interest Rate (pa.) 1.00%

Interest Rate Quarterly

Transaction Record Passbook

Account Access Over-the-counter

Final Withholding Tax 20%

 Bagong Bayani Smart Time Deposit- offers high yield, risk-free investments
to our OFW.

Initial Deposit Requirement P10,000.00

3.25% to 6.75%
Interest Rate (pa.)
*depending on the amount and the term
Term of Deposit 30 days to 1 year
Deposit may be used as a collateral to a
Liquidity
Back-to-Back Loan
Transaction Record CTD

Account Access Over-the-counter

Final Withholding Tax 20%

 Bagong Bayani Starflex Time Deposit- offers high yield, risk-free

investments to our OFW.

Initial Deposit Requirement P50,000.00

6.75% to 7.25%
Interest Rate (pa.)
*depending on the amount and the term
Term of Deposit 5 years and up

Interest Payment Monthly

Deposit may be used as a collateral to a
Liquidity
Back-to-Back Loan
Transaction Record CTD

Account Access Over-the-counter

Final Withholding Tax 20%

 LOANS

8. Agri-Machinery Loan (AML) – Provides credit facility to farmers in the countryside

for the acquisition of modern farm machinery and technologies.

80% of the cost of the equipments will be

Amount of Loan
financed by the Bank
Frequency of Payment Monthly/Quarter/Semi- Annual/Yearly

Mode of Payment Cash/Auto debit/Check

Security Chattel Mortgage

Minimum of six (6) months
Term Maximum of thirty-six (36)
months or three (3) years

9. Agri-Production/ Real Estate Mortgage Loan- granted for the production of

agricultural crops.

Amount of Loan Dependent on the value of the collateral

Monthly or lump sum payment of
monthly interest of the loan and lump
Mode of Payment
sum payment of principal upon maturity
date.
Security Real Estate Mortgage
Minimum of six (6) months
Term Maximum of sixty (60)months
or five (5) years

10. Negosyo Loan- A loan program that provides financial support for entrepreneurs and
owners of for commercial and industrial businesses.
 Amount of Loan Dependent on the value of the collateral
Monthly or lump sum payment of monthly
Mode of Payment interest of the loan and lump sum
payment of principal upon maturity date.
Security Real Estate Mortgage
Minimum of six (6) months
Term Maximum of sixty (60)months
or five (5) years

11. Motorcycle Loan – Provides financial assistance to borrowers for the acquisition of
motorcycle
to be used for business and/or personal transport service

Amount of Loan Dependent on the down payment

Mode of Payment Monthly Amortization (Principal + Interest)

Security Chattel Mortgage

Minimum of six (6) months
Term Maximum of forty eight (48)months
or four (4) years ko

12. Agri-Tourism Loan – Loan program for business owners that aim to develop tourism
camps or related attractions that allow visitors to experience and enjoy leisure time.

13. Home Improvement Loan – Borrow money to help you pay for any major finance
expenses or home improvement projects for the successful renovation, upgrade and
repairs of your dream house

Head office Address: ROPALI Plaza, Josemaria Escriva Drive, Ortigas Center, Pasig City
Phone: (02) 8942 2474 Email: info@agribank.com.ph

PLACE
BRANCHES
 Maharlika Highway Magsaysay Hill Bambang, Nueva Vizcaya 3702
 LJK Bldg., KM21 Ortigas Avenue Extension, Brgy. San Isidro Cainta, Rizal 1900
  Homemark Bldg. J. P. Rizal Street, Brgy. Camilmil, Calapan City Oriental Mindoro
5200
 Agribank Bldg. Maharlika Highway H. Concepcion, Cabanatuan City 3100
 Mana Town Center, along Centennial Road, Barangay Tabon I, Kawit, Cavite
 TBY Saint Therese Building J.p. Laurel Lanang, Davao City 8000
 LCU Bldg., National Highway, Cabaruan, District 2, Cauayan City, Isabela 3305
 Medical Arcade Building J. Catolico Sr. Avenue, Lagao General Santos City South
Cotobato 9500
 John A. Tan Building, Iznart Street, Iloilo City 5000
 Chimes Bldg., Pennsylvania Avenue Parian, San Fernando City, La Union 2500
 #82 Quezon Avenue, Brgy 1, Lucena City, Quezon 4301
 Annelle Building, Biak-na-Bato Street corner PNR Road, Tabuco, Naga City 4400
 Sweetshrub Property, Rizal Street, Corner Camia Street, Cabangan East Legazpi City,
Albay 4500
 BLC Bldg., Rizal Ave. corner Fernandez St.Puerto Princesa City Palawan 5300
 Maharlika Highway Corner Bascos Street Abar 1st, San Jose City Nueva Ecija 3121
 Altarejos Bldg., Burgos Street Burabod, Sorsogon City 4700
 Agribank Bldg., Maharlika Highway Poblacion South, Solano Nueva Vizcaya 3709
 Agribank Bldg., Liboro Street, Pag-asa, San Jose, Occidental Mindoro 5100
 National Highway, Poblacion Sta. Fe, Nueva Vizcaya 3705
 Qube 3 Bldg., Units #1G and #1H, McArthur Highway, San Sebastian, Tarlac City
23000
 Agribank Bldg., Carlos P. Garcia, North Avenue Cogon District Tagbilaran City,
Bohol 6300
 Stall 2, MYL Building, Buntun Highway, Tuguegarao City, Cagayan 3500
 Primo SJJ Bldg., Catipon Street, Brgy. Il Ma. Aurora Aurora 3202

BRANCH LITES
 JBY Bldg., National Highway Brgy. Balaleng Centro, Bantay Ilocos Sur 2727
 Delos Reyes St. San Vicente, Gapan City Nueva Ecija 3105
 Bonifacio Street Poblacion Central, General Tinio Nueva Ecija 3104
 Barangay Cauayan Bugtong, Guimba Nueva Ecija 3115
 Door 6 Juduta Bldg., Gen. Santos Drive, Brgy. Zone lll, Koronadal City 9506
 Room 4 & 5 Carlos Perez Bldg. A.C. Cortez Avenue Ibabao, Mandaue City Cebu
6014
 Maharlika Highway, Bautista Bldg., Santiago Pili, Camarines Sur 4418
 Ground Floor Necie’s Hotel San Roque Extension, Roxas City Capiz
 Units 1 & 2 JYQ Bldg. M. H. Del Pilar St. Brgy. Tayhi, Tabaco City Albay 4511
 Manila Road, Nancayasan, Urdaneta City, Pangasinan 2428
 GF FYJ Bldg. National Highway, Brgy. San Isidro Poblacion, Zaragoza Nueva Ecija
3110
PROMOTION(FLYERS)
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