Asian Hills Bank, Inc.

HISTORICAL BACKGROUND

In February 1998, Mr. Estelito R. Marabe acquired the Rural Bank of Lantapan. The acquisition was made possible through the new stockholder’s equity and backing of Hills Small Loans and Lending Facilities Co., Inc., owned as well by Mr. Marabe. On June 26, 1999, the name of the bank was changed, thus Asian Hills Bank, Incorporated came into existence as approved by the Bangko Sentral ng Pilipinas and the Securities and Exchange Commission.

The bank started its commercial operations on April 20, 1998 with seven employees in Lantapan. Since then, its manpower complement has increased, serving other municipalities such as San Fernando and City of Valencia.

The Lantapan Branch served as the prime branch of Asian Hills Bank, until the transfer of the main headquarters in the City Of Malaybalay on June 23, 2000.

In June 2001, the Kisolon Branch was opened in Sumilao, Bukidnon. In the same year the micro-finance program called “Dalan Sa Kalamboan” that aims to aid the needs of women who desire to uplift their lifestyle as well as her family’s and co-member’s in the center.

To date there are more than 9,300 members of the Microfinance Program covering almost all municipalities and cities of Bukidnon and Misamis Oriental.

In January 2002, the Society Rural Bank of Opol, Misamis Oriental became a subsidiary of Asian Hills Bank, Inc.

Asian Hills Bank, Incorporated opened its fifth branch in Poblacion, Dangcagan, Bukidnon on November 26, 2003 with eleven employees.

On June 23, 2004, Asian Hills Bank, Incorporated opened its sixth branch in Talakag, Bukidnon.

GENERAL INFORMATION
Name of MFI Asian Hills  Bank, Inc.
Year Established 1999
Mission Making a difference through generations
Products & Services

Deposits

  1. Regular Savings Deposit at 1.5% interest rate per annum
  2. Regular Time Deposit with high yield interest
  3. Micro Savings at 1.5% interest rate per annum
  4. Coin Boxes at 1.5% interest rate per annum 

Loans

  1. Agricultural Loans for Agri-Base
    • Real estate mortgage
  2. Commercial Loans for Small and Medium Enterprises 
    • Real Estate Mortgage
    • Chattel Mortgage
    • Unsecured
  3. Industrial Loans for Manufacturing Concerns and Services-Oriented Entities
  4. Multi-Livestock Development Loan Program
  5. Micro Lending 
    • Dalan Sa Kalamboan for Group Lending (DSK)
    • Malamboong Dalan for Individual Lending (MDP)
    • Sakyanan Sa Kalamboan for Micro-Transit (SSK)
    • Kalamboan Sa Mag-uuma for Micro-Agri ( KASAMA )
  6. Other Loans at 3% per month 
    • Salary Loans
    • Pension Loans
    • Jewelry Loans
    • Allotment Loans for OFW

Other Services

  1. Payroll Servicing
  2. Accredited
    • Western Union Money Transfer
    • Cash Direct Money Transfer
    • Globe G –Cash
    • Globe Auto Load
  3. Accepts 
    • SSS Premium Payment
    • PHILHEALTH Insurance Payment
  4. Buseco

Loan Requirements

  1. Secured or Collateralized Loans
  2. Microfinance Loan
  3. for Group Lending - Dalan sa Kalamboan
  4. Salary Loan
  5. Salary Loan - Government Employees
  6. Salary Loan - Barangay Elected Officials
  7. Salary Loan - Private Company Employees Under Payroll Servicing
  8. Salary Loan - Public School Teachers

Other Policy, Benefits and Incentives

  1. The client must open a Regular Savings Deposit Account at an Interest Rate of 3% per annum
  2. The client can apply for a reloan and renew his/her loan upon paying the 50% of the loan. ( halfway )
  3. All loans paid before the due date ( pre-payment) can avail rebates of the interest charges
  4. Savings Deposit can be withdrawn upon full payment of the loan requiring only an amount of Php 1,000.00 as maintaining balance

 

CONTACT INFORMATION
Address Fortich St., Malaybalay City, 8700
Phone (088) 221-2497 / (088) 813-3990
Fax  (088) 813-3990
Email asianhillsbank@yahoo.com
Website ahbi.4t.com

 

CONTACT PERSONS DESIGNATION DIRECT PHONE DIRECT EMAIL
Estelito, Marabe President / CEO


 

OUTREACH AND IMPACT
Outreach Indicators
As of December 31, 2007
No. of Personnel for Microfinance 46
   
Outreach  
No. of Active Borrowers (Dalan Sa Kalamboan)
8,305
Average Loan Balance per Borrower
   
Loan Portfolio  
Outstanding Loans (Microfinance) 33,351,201.59

 

financial data
Balance Sheet
As of December 31, 2007
Gross Loan Portfolio
203, 469,497.88
Total Assets
276,539,240.15
Total Equity 77,286,290.53
   
Financing Structure
 
Capital Asset/Ratio
0.27
Debt/Equity Ratio 2.58
Gross Loan Portfolio/Total Assets 0.74
   
Overall Financial Performance
 
Return on Assets (%)
10%
Return on Equity (%) 35.8%