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By providing at scale services from a dedicated central institution, Filipino Provincial Banks can reduce their efficiency gap with large commercial banks (currently 140% higher cost to asset ratio) and increase their lending and deposit gathering effectiveness

Capability building provides Provincial Banks the skills necessary to support and control their growth
Central Services Capability Build
Scale operations Expertise services
Provided centrally to all Partner Banks Provided 'Bespoke'
  • Centralised I/T
    • Central I/T platform
    • Shared I/T support systems
  • Central processing & operations
    • Branch support operations
    • Loan processing centre
    • Central collections team
    • Bad debt workout / 'Bad-Bank'
  • Central training
    • Central / shared training centre
    • Training material for branch managers, sales force, credit officers, etc.
    • Best practice in sales, customer service, credit, etc.
  • Finance
    • Inter-lending
    • Balance sheet mgmt.
  • Consumer marketing
    • Analytics / customer insight
    • New product development
    • Innovation Lab
    • Branch design, location analysis
  • SME lending centre
    • Opportunity analysis by sector
    • (Cross) Sales strategy by sector
  • Credit strategy
    • Database of credit history
    • Central risk rating system
    • Collections strategy
  • Procurement
    • Audit and professional services
    • I/T (hardware and software)
    • Fixed assets
  • Governance and control
    • Board training. Board process reform
    • Monitoring & controls
  • Strategic priority setting
    • Market facing strategy
    • Organisation development strategy
  • Performance mgmt system
    • Planning / business case dev.
    • Management information & control
  • Corporate transaction mgmt
    • Selection of target
    • Valuation and negotiation support
    • Post Merger Integration
  • Project implementation
    • Core banking system up-grade
    • Major new product roll-out
    • Branch transformation
  • Operations reform / cost reduction
    • Process re-engineering
    • Turn-around time reduction
    • Centralisation
    • Head-count reduction programs
    • DRP / BCM
  • Credit strategy
    • Limit setting / exposure mgmt
    • Credit policy development
  • Customer service development
    • Branch process reform
    • Bench-marking, mystery shopping
  • HR policy and planning
    • Core values development and implementation. Evaluation systems
    • Staffing policy


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