1. Rural Banker 2000 (RB2000) Banking Software Magandang Japon!
RBAP President Gen William Hotchkiss, others at the Head Table, Fellow Rural Bankers. I am pleased to be here to present about the experience and opportunities for rural banks to expand their microenterprise lending.

2. Outline Introduction and history of RB2000 Development
Major Characteristics
RB2000 Modules & Features
BSP Reports
BSP eReports
Rollout Status
Future Plans

3. Introduction & Brief History Of RB2000 Development
Main purpose and beneficiaries of RB2000
People behind the RB2000 development
ASEC – RB2000 developer
Rollout companies

4. Major Characteristics
Open Source Concept
Windows-Based Client Server Technology
LAN & WAN Capable
Wizard Type “Menu-Driven” Setup & Installation
Scalable and Portable
Data Integrity (Real time Rollback & Commit - SQL)
Online Context-Sensitive Help

5. Major Characteristics
Client Information System
Microfinance
BSP Reports
User-defined Information (Client & Deposit/Loan Account)
Multi-currency capable
ATM Connectivity/Interface
Audit Trail

6. RB2000 Modules
There are other modules included in the RB2000 which are (…) But for this purpose, the mentioned modules will not be featured on the diagram.

7. RB2000 Features
Financial Product Design Module (FPD) – allows a bank to define their financial products
Customized Banking Products Based on the following:
Savings Account,
Current/NOW Account
Certificate of Time Deposit
Special Savings Deposit
Loan Product

8. RB2000 Features Flexible Deposit Interest Computation
Parameterized Passbook/Ledger Form Printing
User-defined Depositor Type Maintaining Balance
Parameterized Bank Charges/Penalties (Deposit & Loan)
User-defined Loan Amortization Type
User-defined Loan Notices Printing

9. RB2000 Features
Deposit Management Module (DMM) – allows the effective and efficient administration of deposit products
Tellering Transactions
Back-Office Transactions
Inter-Branch Transactions
Miscellaneous Transactions
Vault, Cashier & Tellers Cash Transferring
With Auto-Debit Arrangement Facilities
User-defined Deposit Amount Sizing
Online Picture & Signature Verification
ATM Connectivity ready

10. RB2000 Features
Loan Management Module (LMM) – allows Loan Officers and Managers to process transactions such as loan applications and disbursements, and generate loan reports
With Loan Application Processing Monitoring
BSP Loan Classification/Categorization
User-defined Loan Classification/Categorization
Customized Loan Packages offering
With facility to input notes/memos per Loan Account
Accepts Other Charges Transactions
Individual & Group Loans (Microfinance)

11. RB2000 Features
General Ledger Interface Module (GLI) – integrates the General Ledger with the Deposit and Loan Management Modules
Deposit Products Transaction Codes GLI Template
Miscellaneous Products Transaction Codes GLI Template
Loan Products Transaction Codes GLI Template

13. RB2000 Features
General Ledger Module (GLM) – which records journal entries of bank transactions that occur during the day and allows the printing of various management and Bangko Sentral ng Pilipinas (BSP) required reports
Fully parameterized chart of account maintenance
Parameterized BSP report formatting
Electronic reporting aside from the conventional way
Integrated with deposit and/or loans

14. Supports GL BSP Reportingh

15. BSP Reports - Deposit Deposit Liabilities Classified as to Source
Deposit Liabilities By Size Of Account
Schedule of Time Certificate of Deposit by Maturity and Interest Rate

16. BSP Reports - Loans Schedule of Loan Portfolio and Other Accommodation
Report of Compliance with Aggregate Ceiling (DOSRI)
Summary Report of Loans Granted

17. BSP Reports - Loans Loan Mapping Worksheet
Loans-To-Deposit Ratio Supplementary Information

18. BSP Reports - GL Statement of Condition
Statement of Income and Expense
Schedule of Due From Other Banks
Schedule of Investments in Bonds and Other Accommodations
Schedule of Equity Investment

19. BSP Reports - GL Schedule of Bills Payable
Condensed Statement of Condition
Daily Report of Condition
Weekly Report of Required and Available Reserves
Schedule of Fixed and Other Assets
List Of Stockholders and Their Stockholdings

20. BSP e-Reports General Ledger (Annex D) Accounts Receivable
Bills Payable
Contingent Account
Deposit Liability
Equity Investment

21. BSP e-Reports Due From HOBA Investment Subsidiary
Stockholder Subsidiary
Various Liabilities

22. BSP Report Testing Status
GL/SL Diskette Reporting
Actions Taken
Copy of Communications

23. Rollout Status As of June 30, 2002 LOCATION BANKS BRANCHES LUZON 30 45
VISAYAS 11 24
MINDANAO 5 8
TOTAL* 46 87
* 65% of these installations comprised the GLM early rollout

24. Future Plans Personal Digital Assistant (PDA) Interface
BSP Additional Reports as of July 1, 2002