Development Bank of the Philippines

General Information

Address: Sen. Gil Puyat Avenue corner Makati Avenue, Makati City
Mailing Address: P.O. Box 1996 Makati Central Post Office 1200 Makati City, Philippines
Telephone No.: (632) 818-9511 to 20, 818-9611 to 20
Facsimile No.: (632) 893-4748
Email Address: info@dbp.ph
Website: www.dbp.ph

Representative: Susan Z. Prado - Senior Vice President
Tel No : 813-7346
Fax No: 893-4748
Email : szprado@dbp.com.ph

Alternate: Estrella E. Icasiano - First Vice President
Tel No: 893-3511
Fax No:893-4748

Date of Incorporation: January 2, 1947

DBP Products and Services

- Loans and Credit Facilities

- Eligible Borrowers
Single proprietorships, registered partnerships, cooperatives, associations, private corporations, private financial institutions, local government units, non-government organizations.

- Acceptable Collaterals
Generally acceptable collaterals for loans are registered first mortgage on titled real estate properties, buildings, machinery and equipment and other mortgageable assets which are already owned by the applicant or to be acquired partly or fully with proceeds of the loan applied for. Hold-out on savings and time deposits as well as government security placements are also considered as acceptable collaterals.

In some cases, the Bank also accepts the guarantees of the following as part of collaterals: Quedan and Rural Credit Guarantee Corporation (QUENDANCOR), Small Business Guarantee and Finance Corporation (SBGFC), Philippine Export-Import Credit Agency (PHILEXIM), Home Insurance Guaranty Corporation (HIGC).

- Interest Rate and Other Charges
The rate of interest and other charges for loans and other credit accommodations are generally market-based.

- Debt-Equity Requirements
The debt-equity requirements of the Bank would depend on the type of project to be financed taken in conjunction with the Bank's assessment of the risk factors for a particular borrower.

Types of Projects Financed

Program Development I

Environmental Protection and Natural Resource Development

1. Solid and Hazardous Waste Management
a. Construction of sanitary landfills
b. Closure and rehabilitation of dumpsites
c. Solid waste storage, collection, treatment and transport facilities
d. Materials recovery facilities
e. Composting facilities
f. Construction of transfer stations
g. Waste-to-energy projects
h. Industrial waste recycling, treatment, storage and disposal
i. Hazardous waste treatment, storage and disposal
j. Consulting services for project preparation and implementation

2. Pollution Prevention and Control
a. Pollution prevention and reduction projects
b. Occupational health and safety
c. Cleaner production
d. Waste minimization and clean technology in industrial processes
e. Wastewater and sewage treatment facilities
f. Projects that promote efficient management of natural resources

3. Water Supply and Sanitation Services
a. New water supply systems
b. Bulk water supplies
c. Rehabilitation and expansion of existing water supplies

4. Energy Services
a. New and renewable energy (NRE) (hydro, biomass, solar, wind, and other renewable energy sources
b. Distribution and transmission systems
c. Energy efficiency projects
d. Project preparation activities for NRE power projects
e. Biofuels production

Infrastructure and Logistics

1. Road Ro-Ro Terminal System vessels
2. Road Ro-Ro Terminal Systems facilities (terminal facilities, access roads, shipyards)
3. Toll Roads, LGU roads and maintenance equipment.
4. Packaging, transport and distribution facilities (cargo handling equipment, trucks, container vans)
5. Processing centers, warehouses, post-harvest facilities, aggregating centers, power-generating equipment/ back-up power supply
6. Bulk chain: bulk carriers, tankers, trucks, specialized vessels
7. Cold chain: reefer vans, refrigerated fishing vessels, cold storage facilities

Program Development II

Social Services

1. Sustainable Mariculture Investment Program (SMIP)
a. Marine grow-out facilities
b. Hatchery, nursery and production of fingerlings
c. Feed production facilities
d. Live-fish carrying vessels and reefer vans
e. Marketing Stations
f. Fish processing facilities andice plants
g. Ancillary businesses and support facilities (e.g. net and boat making)

2. Development of Poor Urban Communities Sector Project (DPUCSP)
a. Subdivision and other site development projects for socialized housing
b. Service plot acquisition (through MFIs, coops and NGOs)
c. Housing Construction (through MFIs, coops and NGOs)
d. Home improvement (through MFIs, coops and NGOs)
e. Transaction costs to acquire security of tenure (e.g., land titling)
f. Project preparation activities for socialized housing projects

3. Sustainable Health Care Investment Program (SHCIP)
a. Primary health care facilities and medical clinics
b. Construction and upgrading of primary hospitals
c. Acquisition of medical equipment
d. Laboratory, diagnostic and common service facilities for health
e. Health care business solution projects (e.g. information technology)
f. Hospital modernization projects
g. Projects that promote public-private partnerships in health care
h. Working capital requirements of SHCIP-supported acquisition
i. Working capital requirements of SHCIP-supported acquisition of equipment
j. Health related education
k. Refinancing of existing eligible loans

Micro, Small and Medium Enterprises

1. DBP-SEED( Sustainable Entrepreneurship Enhancement and Development)
a. Credit Surety Fund and other Guarantee Programs
b. SME Venture Capital Program
c. Organic Agriculture Program
d. High Value Crops Financing Program
e. Cleaner Public Transport Program
f. One Town One Product

2. Retail Lending for Micro and Small Enterprises

FACTORING
1. Credit Line –Revolving Promissory Note Line/ Receivable Financing
2. Term Loans

INVESTMENT BANKING SERVICES
1. Financial Packaging/ Investment Design for Debt/ Equity requirements
2. Financial Advisory and Investment Consultancy
3. Securities/ Debt Underwriting/ Issue Management
4. Structured Finance/ Loan Syndication
5. Program/ Project Development and Management

DEPOSIT PRODUCTS AND CASH SERVICES

1. Deposit
a. Current Account
b. Savings account
- Regular Savings
- Young Earner’s Saving Account
- Pensioners’ Savings
- Teacher’s Payroll Savings
- DOLE-DDD-DBP Maginhawang Manggagawa Savings
- In- Trust- For Savings
- Direct Deposit for US Veteran Pensioners
- DBP Quick ATM Card
- DBP EC Card Account
- Wisdom Savings Account (Peso and US Dollar
- Premier Payroll Account
c. Term Deposit
- Peso Time Deposit
- Special Savings
- Option Savings
- US Dollar Time Deposit – Regular
- US Dollar Time MAX Time Deposit
- 3rd Currency Time Deposit
- Special Investors Resident Visa (SIRV)
- Wisdom Time Deposit
- High Earner Account (Peso and US Dollar)

2. ATM Services

3. Fund transfer services

4. Special/ Other Services
a. Acceptance of Payments/ Remittances for SSS/ Philhealth
b. Servicing of Government’s Modified disbursement Sheme (MDS)
c. Electronic Tax Filing and Payment System (ETPS)
d. NCO Collections for the Bureau of the Treasury
e. Authorized Agent Bank of the Bureau of Internal Revenue
f. Deposit Pick-Up/ Withdrawal Delivery Service
g. Acceptance of Payments of PLDT/ SMART Subscribers
h. Check Warehousing
i. Check Cutting System
j. Central Posting of Internal Revenue Allotment (CePIRA)
k. Debit to One Credit to All Deposit Facility (DOCA)
l. Credit to One Debit to All Deposit Facility (CODA)
m. Payroll Servicing

TRADE

1. Trade Products and Services
a. Import
- Import Letter of Credit
- Foreign Standby LC
- Documentary Collection
b. Export
- Export LC Advising
- Export LCConfirmation
- Export LC Negotiation
- Inward Remittance for trade related transactions
- Inward Bills for Collection
c. Domestic
- Domestic LC
- Domestic Standby LC

2. Other Trade Services
a. Shipside Bond Guarantee/ Advance Release/ Bank Guaranty
b. Collection of Custom Duties (Advance and Final Duties)

3. Trade Credit Facilities
a. Import or Domestic LC
b. Foreign or Domestic Standby LC
c. Trust Receipt Financing
d. Export Advance/ Packing Loan
e. Export Bills Purchase

TREASURY PRODUCTS AND SERVICES

1. Interbank borrowing/ lending

2. Government and Corporate Securities Dealership
a. Treasury Bills
b. Retail Treasury Bonds (RTB)
c. Fixed Rate Treasury Notes (FXTNs)
d. Corporate Bonds (in US$ and PHP)
e. Capital Notes
3. Outright FX Forward
4. Foreign Exchange Dealership (buying and selling of foreign currency)

TRUST SERVICES

1. Trust
a. Unit Investment Trust Fund (UITF) Gintong Sikap Secure Fund
b. Institutional Trust
- Employee benefit
- Pre-need Accounts
c. Individual Trust
- Personal Trust Account
- LivingTrust: Revocable Living Trust, Irrevocable Living Trust
- Personal Pension Fund
- Personal Retirement Fund

2. Other Fiduciary Services
a. Court Trust
- Administratorship
- Executorship
- Guardianship
b. Legislated and Quasi-judicial Trust Public Trusteeship
c. Property Administratorship
d. Corporate Fiduciary Services
- Mortgage Trust Indenture/ Collateral Trust Indenture
- Facility/ Loan Agency
- Transfer Agency
- Depository and Reorganization
e. Escrow
f. Safekeeping
g. Life Insurance Trust

3. Agency
a. Institutional Agency
- Employee Benefit
- Pre-need Account
- Investment Management Account (IMA- Institutional)
• Peso
• Foreign Currency

b. Individual Agency
- Personal Pension Fund
- Personal Retirement
- Investment Management Account (IMA- Personal)
• Peso
• Foreign Currency

4. Advisory/ Consultancy

5. Special Purpose Trust

Remittance Center

1. EC Card – an ATM Card that allows fast and easy cash remittance. The EC Card is withdrawable from any DBP, Megalink, Expressnet or Bancnet ATMs

2. EC Credit to Account – immediate credit of inward remittance of OFW’s or beneficiary’s DBP account

3. EC Bank to Bank Credit – fast and worry-free credit of remittance to account with banks other than DBP

4. EC Door to Door – delivery of remittances right at the doorstep of the beneficiary anytime/ anywhere

5. EC Pick-up – remittances may be claimed from any DBP branches or accredited/ authorized outlets most accessible to beneficiary

6. Overseas Collection Arrangement – collection of premiums and loan amortizations for payment to Social Security System (SSS), Pag-IBIG Fund, Philhealth, DOLE, POEA, OWWA and other institututions.

Ownership Structure
100% owned by the Government of the Republic of the Philippines.