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_aAustria, Mharjean B., De Vera, Arianne Ysabelle C., Infante, Louisa Antoinette C., Pabustan, Mary Charis R., Sarmiento, Angelo Louis A.
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_aAFive-Year Financial Plan for Cebuana Lhuillier Rural Bank
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_cAustria, Mharjean B., De Vera, Arianne Ysabelle C., Infante, Louisa Antoinette C., Pabustan, Mary Charis R., Sarmiento, Angelo Louis A.
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_a261 pages
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_aFinancial Plan: (BSBA major in Financial Management) - Pamantasan ng Lungsod ng Maynila, 2024
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_aExecutive Summary: This report is an analysis of financial operations and performance of the Cebuana Lhuillier Rural Bank, Inc., for five years. Cebuana Lhuillier Rural Bank, Inc., established in 1998 as a corporation, operates in the banking sector. The entity has exhibited consistent growth and innovation in the banking industry. Achievements include being recognized as the Rural/Cooperative Bank of the Year for four consecutive years at the Asian Banking & Finance Awards. The bank has also been awarded as the Fastest Growing Bank for Financial Inclusion by the World Economic Magazine, recognizing its rapid growth and impact in expanding access to financial services. Cebuana Lhuillier Rural Bank has been recognized for its approach to microfinance, leveraging technology to provide convenient and accessible financial solutions to its customers. Despite facing challenges such as economic downturns and global conflicts, Cebuana Lhuillier Rural Bank has emerged stronger, maintaining leadership through innovation, boosting customer experiences through tailored solutions, building trust and loyalty by emphasizing transparency and dependability, growing its digital services to satisfy the needs of a tech-savvy customers, and responding to the changing financial landscape with resilience, agility, and a forward-thinking approach to innovation and growth. The entity faces challenges with Efficiency ratios especially with Asset Turnover and Equity Turnover.. Three courses of action have been proposed to address these issues: Effective Management of Optimum Cash Balances, Improve Credit Collection System, and Effective Asset Diversification Towards Better Loan Portfolio Returns. An evaluation of the alternatives based on criteria such as Impact on Financial Stability, Strategic Alignment and Feasibility, Debt Effectiveness and Efficiency, and Growth and Collaboration Potential suggests that Effective Management of Optimum Cash Balances (ACA 1) scores the highest. Overall, these strategic actions aim to strengthen Cebuana Lhuillier Rural Bank's financial position, navigate through challenges, and ensure long-term sustainability.
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