000			02646nam a2200325Ia 4500
001			92716
003			FT8553
005			20251111081616.0
008			250507n 000 0 eng d
040			_erda
041			_aengtag
050			_aHG4026 A742024
082			_a.
100			_aReexia Julienne P. Aresgado, Faith H. Enriquez, Stefanie Ann R. Lorenzo, Janela Jude L. Maagma, Stefanie Nicole C. Maranan, Lean Emeri E. Nerie, Ashley Ysabel A. Pilarte
245		0	_aA Five-Year strategic financial plan for Asia United Bank
264			_a. _b. _cc2024
300			_a. _bFinancial Plan: (BSBA major in Financial Management) - Pamantasan ng Lungsod ng Maynila, 2024
336			_b. _atext _2rdacontent
337			_30 _b. _aunmediated _2rdamedia
338			_30 _b. _avolume _2rdacarrier
385			_a2
500			_a.
505			_aExecutive Summary: This financial plan for Asia United Bank (AUB) is designed to address its rising asset-to-equity ratio, which has consistently exceeded the industry average over the past five years. The plan aims to resolve this issue while achieving specific objectives, including improving the bank's industry ranking, increasing its current assets, and enhancing interest income generation. AUB has shown favorable financial indicators, particularly in liquidity, solvency, and asset quality. It outperformed the industry in the Liquid-to-Total-Assets Ratio and Interest Rate Coverage Ratio, with improvements in its Net Non-Performing Loan (NPL) ratio and NPL Coverage Ratio. However, challenges remain in profitability, with unfavorable returns on assets (ROA) and equity (ROE) during the pandemic years, along with a higher cost-to-income ratio. The entity also faced a deterioration in asset quality in 2020, indicated by a surge in the NPL ratio. To address these financial challenges, the recommended course of action is to increase equity by selling a portion of government securities. This approach will mitigate the asset-to-equity issue, improve liquidity, and reduce market volatility risks. It will also enhance AUB's capital structure, investor confidence, and financial stability, positioning the bank for growth and better resilience against economic downturns. This recommendation is considered the most strategic option compared to alternatives, such as increasing foreign currency exposure or reducing risky assets, which carry higher risks. By focusing on increasing equity, AUB can achieve long-term success and financial sustainability.
506			_a.
520			_a.
526			_aF
540			_a.
655			_aacademic writing _y.
942			_alcc _cMS _01 _2lcc
999			_c24161 _d24161