Reyes Vernalyn D. Practicum 2
Reyes Vernalyn D. Practicum 2
Submitted to:
Prof. Rolando I. Fernandez
Practicum Adviser
Submitted by:
Vernalyn D. Reyes
Bachelor of Science
in Business Marketing
Major in Financial
Management
Academic Year 2023- 2024
5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
TABLE OF CONTENTS
1. Cover/Title Page...................................................................................................1
2. Table of Contents................................................................................................ 2
3. Acknowledgment ............................................................................................... 3
5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila 1016 Direct
Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or 263 Website:
www.pup.edu.ph
ACKNOWLEDGEMENT
I want to sincerely thank everyone who has assisted me in finishing my job training.
Their constant support, guidance, and encouragement have been immensely helpful
during this journey.
I would like to thank Ms. Beatriz Dabu for accepting my application for an internship
and for her kind welcome. I would also like to express my gratitude to Ma'am Mary Ann,
Ma'am Irene, Ma'am Tess, Ma'am CJ, Ma'am Anne,Ma'am Vita, and Sir Rock for all the
lessons I gained throughout my internship, for helping me with assignments, and for
developing a bond with me. I also want to thank Philippine National Bank for providing
us students with the chance to work as student trainees and for that experience. I can
use the knowledge and experiences I made during my internship to help me in my
future professional endeavors.
I express my gratitude to Mr. Rolando Fernandez for his guidance and prompt
responses to all of our inquiries. Thank you to our department head, Ms. Ria Santos
Fajilago, and our OJT coordinator, Ms. Catherine Sotto, for your assistance during my
internship.
Finally, I want to express my gratitude to my family for their unwavering support and
to myself for completing this course. There aren't enough words to adequately thank
each and every one of you. I will always be grateful for all of your support and
assistance.
5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
Course Description
This course covers 300 hours on the job training in a banking institution through a
combination of theoretical learning and practical exercises. Upon completion of the
course, they will have a thorough understanding of banking operations, customer
service, regulatory compliance, and professional behavior.
5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
RECOMMENDATION LETTER
February 12, 2024
Please be informed that the Memorandum of Agreement between PUP and Philippine National
Bank on the OJT partnership has already been approved.
The Department of Financial Management is implementing a 300-hour Practicum Program this
2nd semester of AY 2023 – 2024 as a requisite for the completion of the degree BSBA Major in
Financial Management. It aims to expose students to the real working environment where they
can have hands-on experiences related to their field for a better understanding and appreciation
of the concepts learned in class. The program also intends to instill the necessary work ethics
and human relation skills.
As we firmly believe that you can provide the most relevant exposure to our students, we
therefore recommend Ms. Vernalyn Reyes, a senior BSBA FM student to undergo Practicum
in your prestigious company/institution:
Your positive and immediate response on our request will be highly appreciated. Should you
have queries and concerns, you may send them at [email protected]. Thank you very
much.
Respectfully yours,
Rolando I. Fernandez
Practicum Adviser
Faculty, College of Accountancy and Finance
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5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
ACCEPTANCE FORM
5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
PRACTICUM VENUE:
Address : 1941-43, Juan Luna St, Tondo, Manila, 1012 Metro Manila
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5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
9
5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
10
5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
11
5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
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5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
13
5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
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5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
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5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
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5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
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5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
CERTIFICATE OF COMPLETION
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5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
Comment/s:
Ma'am Mary treats us trainees with care. She is easy to talk to and approachable. She gave us
a lot of knowledge that trainees ought to have.
Vernalyn D. Reyes
Name of HTE: PHILIPPINE NATIONAL BANK - MANILA TONDO JUAN LUNA BRANCH
Address : 1941-43, Juan Luna St, Tondo, Manila, 1012 Metro Manila
Nature of Business : Banking Institution
Legend:
Numerical:
Descriptive: 5 – Fully Compliant (91-100%) WEIGHTED MEAN INTERPRETATION
4 – Compliant (66%-90% 4.51 – 5.00 Full Compliant
3 – Somewhat Compliant (41%-65%) 3.51– 4.50 Compliant
2 – Not Compliant (11%-40% 2.51 – 3.50 Somewhat Compliant
1 – Fully Not Compliant (0%-10%) 1.51 – 2.50 Not Compliant
1.00 – 1.50 Fully Not Compliant
Strength/s:
Staff members at HTE, in particular, have a friendly approach toward interns. They imparted
knowledge that each intern ought to know. They provide the chance to perform the basic tasks
they typically perform each day.
Recommendation/s:
Give trainees cash incentives/allowance to increase their productivity.
Submitted by:
Noted by:
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5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
23
5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
24
5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
FINAL GRADE
2. Portfolio (30%) 30
TOTAL (100%) 98
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5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
SUMMARY OF GRADE
Training Supervisor 30
Internship Adviser 60
TOTAL 98
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5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
For students, these internships are incredibly beneficial. I've faced several
challenges while working as an intern at Philippine National Bank, but I've also gained
experience and knowledge that will help me in my future profession. My
recommendation to improve the On-the-Job Training (OJT) Programme is to provide
allowances.
Allowances for trainees are a good idea. Allowances enable trainees to engage in the
course without experiencing financial hardship by helping to cover essential living costs
including food, lodging, and transportation. For young professionals or students without
other sources of income, this support might be especially important. It also increases
their incentive to do their task properly.
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5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
OJT
OUTPUTS
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5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
COMPANY PROFILE
PNB maintains its leadership in the overseas remittance business with remittance centers in the
United States, Canada, London, France, Italy, Hong Kong, Japan, Singapore and the Middle
East countries.
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5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
INDUSTRY ANALYSIS
Strength
One of The biggest and most established company
Because Philippine National Bank is one of the biggest and oldest banks, its
customers can rely on it to be trustworthy.
Backed Up by Government
The Philippine National Bank is reliable because the government supports it.
Weaknesses
Opportunities
Banking online
Customers' transactions are made easier by online banking.
Weaknesses
Data Breach
One risk associated with digital banking is information breaches.
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5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
31
5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
32
5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
33
5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
34
5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
35
5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
36
5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
37
5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
38
5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
39
5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
40
5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
41
5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
42
5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
43
5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
44
5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
45
5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
46
5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
47
5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
48
5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
49
5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
50
5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
51
5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
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5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
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5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
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5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
55
5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
SUMMARY OF ACCOMPLISHMENT
After finishing this work, I gained a great deal of knowledge about banking and finance.
Through this experience, I was able to gain information, hone my communication abilities, and
become literate in their procedures. All things considered, this program accomplishes its goals
with success and has a wealth of knowledge to share.
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5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
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5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
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5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
PRACTICUM REPORT
Name of the Student Trainee: Vernalyn D. Reyes
Course / Year & Section: BSBAFM 4-9S
Inclusive Date of Training: February 28, - May 10, 2024
Pulling out of Documents Pulling out of Documents such as CIF Forms of both
individual and corporation and Signature Cards
Assisting of Clients Assisting clients in their inquiries and helping them filling
their forms.
Assisting PNB employees Assisting PNB employees by photocopying documents of
clients.
Stamping Documents Stamping documents whether it’s closed account or
dormant account.
Inventory Inventory of stocks such as forms and other stuff needed in
everyday operation
Training Institution
Training Unit/Branch
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5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
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5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
Ma'am Bea, the Branch Manager, greeted me and the other employees on my first
day. Since it was my first day, they merely allowed me to watch so I could get a feel for
what they were doing and how I could assist them. I've already learned a lot from their
observation, especially how patient they are in the face of a large clientele. And on my
second day, Ma'am Mary Ann gave me basic instructions. Over the next few days, I
became somewhat comfortable with it and learnt a lot about how banks operate.
Because there are many clients in my chosen field, some of the jobs are challenging.
However, every day will be fun because of the lessons learned. In addition, even if it's
difficult, the staff is approachable and kind, so I may ask questions at any moment.
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5th Floor, Dome, PUP A. Mabini Campus, Anonas Street, Sta. Mesa, Manila
1016 Direct Line: 335-1752 | Trunk Line: 335-1787 or 335-1777 local 365 or
263 Website: www.pup.edu.ph
CURRICULUM VITAE
Profile
After working as a customer associate for almost five months, I can
state that I am a quick learner and can complete tasks both individually and
in a group. I'm a reliable worker who puts in a lot of effort at work. I also
managed pressure well at work, particularly during busy hours.
Employment Internship
VERNALYN D. REYES
LBC EXPRESS Philippine National
Contact Details Gagalangin Branch Bank
Customer Associate Tondo Juan Luna Branch
Phone August 2020- December 2020 February – May 2024
09217141231
Gathering and researching Responding to customer’s
Email information of the inquiries and assisting
[email protected] customers. clients on their inquiries.
Responding to customer’s Completing basic bank
Address
044 Mapagmahal St. Tondo Manila inquiries. operations.
Education Skills