Competitor Pricing Strategy Brand Price Relevance to FirmBPI Risk base pricing Deposits

Peso Checking Account Peso Savings Account Dollar Savings Account Third Currency Savings Accts Term Account Peso Time Deposit Dollar Time Deposit

Investments BPI Investment Funds Mutual Funds Odyssey Fund

Loans Personal Loans Auto Loans Home Loans SME Business Loans Inward Remittance Charges Credit to Account - Peso   Credit to Account - Dollar  Bank to Bank - Peso   Bank to Bank – Dollar Branch Pick-up - Peso Branch Pick-up - Dollar

Php 10,000-100,000Php 100-250,000$500500 and JPY 50,000

1K-5MM up1K-100K above

Php 10,000Php 10,000Php 10,000

Php 1,500Php 100,000Php 400,000Php 1,000,000

Php 150.00USD 6.50Php 150.00USD 10.00Php 150.00USD 6.50

Banks use a risk-based approach to set loan and deposit rates. In the case of a loan, the less risk presented by a customer, the lower the interest rate the bank is willing to offer. The problem is that the measurement of risk is based on historical data. This is a threat to Metrobank because it has a lower maintaining balance for deposits and they also have other products that has a low price compared to them.

Bank of the Philippine Islands 

Type of Deposit Account

Required Initial

Deposit

Required Minimum Monthly

ADB1

Required Daily

Balance2 to Earn

Interest

Interest Rate3

(Per Annum)

Peso Savings Account

Jumpstart Savings

Php 100 Php 1,000** Php 2,000 0.375%

Easy Saver Php 200 Php 0 Php 1,000 0.375%

Express Teller Savings

Php 500 Php 3,000 Php 5,000 0.375%

Passbook Savings

Php 10,000 Php 10,000 Php 25,000 0.375%

BPI Advance Savings Account with Passbook

Php 100,000 Php 100,000 Php 100,000

Less than Php 100,000

N.A.

100,000 - 299,999 1.875%

300,000 - 499,999 2.000%

500,000 - 999,999 2.125%

1M and up 2.250%

Maxi-Saver4Savings with ATM

Php 50,000 Php 50,000 Php 50,000 Less than Php 50,000

N.A.

50,000 - 299,999 1.000%

300,000 - 499,999 1.125%

500,000 -999,999 1.250%

1M and up 1.375%

With 1% BONUS p.a. if no withdrawal within a month

Maxi-Saver4Savings with Passbook

Php 75,000 Php 75,000 Php 75,000 Less than Php 75,000

N.A.

75,000 - 299,999 1.000%

300,000 - 499,999 1.125%

500,000 - 999,999 1.250%

1M and up 1.375%

With 1% BONUS p.a. if no withdrawal within a month

Maxi-Saver4Savings with Passbook (Corporate)

Php 250,000 Php 250,000 Php 250,000

Less than Php 250,000

N.A.

250,000 - 499,999 1.000%

500,000 - 999,999 1.125%

1M - 4,999,999 1.250%

5M and up 1.375%

With 1% BONUS p.a. if no withdrawal within a month

Get Started Savings Account with Life Insurance

o ATM Php 25,000 Php 25,000 Php 25,000 0.500%

o Passbook Php 75,000 Php 75,000 Php 75,000 0.500%

BPI Save-Up Automatic Savings + Insurance

none Php 1,000 Php 5,000 Less than Php 5,000 N.A.

5,000 - 399,999 0.375%

400,000 and above 0.750%

BPI Save-Up Automatic Savings

none Php 1,000 Php 5,000 5,000 - 49,999 0.375%

50,000 - 299,999 0.875%

300,000 - 499,999 1.125%

500,000 and up 1.250%

Peso Checking Account

Express Teller Checking

Php 10,000 Php 10,000 N.A. N.A.

Business Checking

Php 10,000 Php 10,000 N.A. N.A.

Ka-Negosyo CA with ATM and Statement

Php 10,000 Php 10,000 Php 50,000 0.375%

Ka-Negosyo CA with Statement

Php 10,000 Php 10,000 Php 50,000 0.375%

Ka-Negosyo CA with Passbook

Php 25,000 Php 25,000 Php 100,000

0.375%

Maxi-One with Statement

If daily balance is:

o Individual Php 25,000 Php 25,000 Php 25,000 Less than Php1,000,000

0.375%

o Corporate Php 50,000 Php 50,000 Php 25,000 1,000,000 and above

0.500%

Maxi-One with Passbook

If daily balance is:

o Individual Php 250,000 Php 250,000 Php 25,000 Less than Php1,000,000

0.375%

o Corporate Php 500,000 Php 500,000 Php 25,000 1,000,000 and above

0.500%

Dollar Account

Express Dollar Savings

$ 500 $ 500 $ 500 0.25%

Dollar Savings with Passbook

$ 500 $ 500 $ 500 0.25%

Third Currency Savings Account*

AUD -Australian Dollars Passbook Savings

AUD 500 AUD 500 AUD 500 1.50%

CAD -Canadian Dollars Passbook Savings

CAD 500 CAD 500 CAD 500 0.25%

CHF-Swiss Francs Passbook Savings

CHF 500 CHF 500 N.A. N.A.

EUR- Euros Passbook Savings

EUR 500 EUR 500 EUR 500 0.25%

GBP –British Pounds Passbook Savings

GBP 500 GBP 500 GBP 500 0.25%

JPY- Japanese Yen Passbook Savings

JPY 50,000 JPY 50,000 N.A. N.A.

CNY/RMB – Chinese Yuan Passbook Savings

CNY/RMB 3,500

CNY/RMB 3,500

CNY/RMB 3,500

0.10%