1. Small Claim Court: View from the Field Green Bank Experience 2009 RBAP-MABS National Roundtable Conference May 12-13, 2009 Hyatt Hotel and Casino Manila Rey Anthony Ladroma Branch Manager - Davao

2. GREEN BANK www.greenbank.com.ph Green Bank is the first rural bank in the Philippines which has nationwide presence having branches in all three major island groups: Luzon, Visayas and Mindanao. Its pioneering efforts in providing micro loans and savings services have opened the doors for banking with the poor Filipinos and contributing to poverty alleviation. Green Bank is the first rural bank in the Philippines which has nationwide presence having branches in all three major island groups: Luzon, Visayas and Mindanao. Its pioneering efforts in providing micro loans and savings services have opened the doors for banking with the poor Filipinos and contributing to poverty alleviation. About Us About Us

3. GREEN BANK www.greenbank.com.ph About Us About Us From 2000 to 2007, or 7 years, Green Bank milestones:  Expanded from six (6) branches to 41 branches and 70 kiosks  Increased total resources from P260 million to more than P2 billion  Now serves more than 250,000 depositors and over 100,000 borrowers.  Aside from microfinance products, Bank also offers pension, salary, agricultural, commercial loans and other banking services.  Green Bank is one of the pioneers in providing mobile banking services using GCash From 2000 to 2007, or 7 years, Green Bank milestones:  Expanded from six (6) branches to 41 branches and 70 kiosks  Increased total resources from P260 million to more than P2 billion  Now serves more than 250,000 depositors and over 100,000 borrowers.  Aside from microfinance products, Bank also offers pension, salary, agricultural, commercial loans and other banking services.  Green Bank is one of the pioneers in providing mobile banking services using GCash

4. GREEN BANK www.greenbank.com.ph Branches with Cases Filed at SCC Branches with Cases Filed at SCC Branches: Davao, Gen. Santos and Cagayan De Oro Branch The 1 st small claims case was filed on October 22, 2008 at MTC, Branch 2 of Davao City under Presiding Judge Antonina Escovilla. A total of 50 Small Claims Cases have been filed by Green Bank. Branches: Davao, Gen. Santos and Cagayan De Oro Branch The 1 st small claims case was filed on October 22, 2008 at MTC, Branch 2 of Davao City under Presiding Judge Antonina Escovilla. A total of 50 Small Claims Cases have been filed by Green Bank.

5. GREEN BANK www.greenbank.com.ph Branches with SCC Branches with SCC BranchDate Started Filling SCC Case Total No. of Small Claim Case Total Claim DavaoOctober 200832P 1,044,783 CDOJanuary 200911360,934 Gen. SanApril 20097220,000 TOTAL Avg. amount/case 501,625,717 32,514

6. GREEN BANK www.greenbank.com.ph Small Claims Status BranchBorrower Paid – Case Dismissed Decision Based on Approved Compromise Agreement Un-served Summon For Hearing Davao49118 CDO39 *Gen. San7 *2 accounts had partial settlement with the branch prior to scheduled court hearing

7. GREEN BANK www.greenbank.com.ph Fees in Filing a Case with SCC Fees in Filing a Case with SCC Filling Claims more than P20,000 but not more than P100,000 1,010.00 per defendant MediationP500.00 DepositP1,000.00 Summon per defendantP200.00 Writ of ExecutionP500.00

8. GREEN BANK www.greenbank.com.ph Advantages of SCC Advantages of SCC Easy to file a case Faster Less expensive Less formal Saves time because of faster court decision Easy to file a case Faster Less expensive Less formal Saves time because of faster court decision

9. GREEN BANK www.greenbank.com.ph TIPS TIPS During the serving of the notice of hearing, a bank staff should accompany the sheriff to make sure the notice will be received by the defendant on time. Before the presiding judge hears the case, a bank staff may approach the defendant and negotiate his/her loan – at times the case can be resolved before the hearing starts. During the serving of the notice of hearing, a bank staff should accompany the sheriff to make sure the notice will be received by the defendant on time. Before the presiding judge hears the case, a bank staff may approach the defendant and negotiate his/her loan – at times the case can be resolved before the hearing starts.