Make your idle cash

GROW

At LANDBANK, we help YOU

G R O W

At LANDBANK, we help YOU

GROW

auge your appetite for risk

eview your investment criteria

rganize your investment portfolio

ait for the right opportunity to invest

Gauge your appetite for risk

Government Securities

Safety of principal?

EquitiesStocks

Return on Investment?

Mutual FundsBalanced Funds

Do you want…Potential upside but

you are cautious?You may invest into:

Review your investment criteria

Diversify your investment portfolio

Liquid investments High yield investments

• Government Securities• Blue chip stocks

• Corporate bonds

Organize your investment portfolio

BusinessFixed

IncomeStocks

Government Securities

Trust Fund Mutual

Funds

Real Estate

?

Wait for the right opportunity to invest

In LANDBANK, we help YOU

GROW

auge your appetite for risk

eview your investment criteria

rganize your investment portfolio

ait for the right opportunity to invest

Investment “Game Plan”

Policy Strategy Risk Control “Game Plan”

LANDBANK ISSUES

GOVERNMENT SECURITIES

CORPORATE SECURITIES

PRODUCT OFFERING

GOVERNMENT

SECURITIES

1

Very liquid

Virtually risk free

Has “implicit”

guarantee

Fixed Rate Treasury Notes (FXTNs)

Retail Treasury Bonds (RTBs)

Treasury Bills (T-bills)PRODUCT

FEATUREST-BILLS FXTN RTB

STATUS / CREDIT Fully guaranteed by the National Government

TENORUp to 1 year(91, 182, 364

days)

Up to 25 years(3, 5, 7, 10, 15, 20, 25)

INTEREST PAYMENT PERIOD

None (Issued at a discount)

semi-annual quarterly

TAXATION (20% WHT, EXCEPT

FOR TEIs)On interest On coupon

MINIMUM INVESTMENT REQUIREMENT IN THE SECONDARY MARKET

P200,000.00

TRADABLE VIA ORGANIZED EXCHANGE

Yes

TYPES OF GOV’T

SECURITIES

CORPORATE

SECURITIES

No sovereign

guarantee

Less liquid than GS

Better yields than GS

PRODUCT FEATURES

PSALM BONDS

SAN MIGUEL BREWERY, INC (SMB) BONDS

BAHAY BONDS

ISSUER PSALM SMB HGC

COVERAGE/GUATANTEE

National Government NONE Home Guaranty

Corporation

ISSUE DATE 22 April 2010 03 April 2009 17 August 2012

MATURITY DATE22 April 2015

22 April 2017

03 April 2014

03 April 201917 August 2017

ORIGINAL TENOR 5 and 7 years 5 & 10 years 5 years

COUPON5 year: 6.875%7 year: 7.75%

5 year: 8.875%10 year: 10.50%

4.80%

PRODUCT FEATURES

PSALM BONDS

SAN MIGUEL BREWERY, INC (SMB) BONDS

BAHAY BONDS

TAXATION Subject to 20% WHT except for TEIs Assumed by NHMFC

INTEREST PAYMENT PERIOD Quarterly Semi-annual Quarterly

MINIMUM INVESTMENT

REQUIREMENTP200,000.00

TRADABLE VIA ORGANIZED EXCHANGE

Yes

LANDBANKISSUES

o Some with PDIC

coverage

o Less liquid than GS

o Better yields than GS

PRODUCT FEATURES

PESO LONG-TERM NEGOTIABLE

CERTIFICATES OF TIME DEPOSIT (LTNCD)

LOWER TIER II CAPITAL (LT2)

COVERAGE/GUARANTEE

PDIC None

ISSUE SIZE P 5.0B P 6.934 B P 10.50M

ISSUE DATE 05 Nov 2013 09 Jun 2009 27 Jan 2012

MATURITY DATE 05 May 2019 09 Jun 2019 27 Apr 2022

ORIGINAL TENOR 5.5 years10 years,

callable on the 5th year

10 years & 3 months,

callable on the 5th year

PRODUCT FEATURES

PESO LONG-TERM NEGOTIABLE

CERTIFICATES OF TIME DEPOSIT (LTNCD)

LOWER TIER II CAPITAL (LT2)

INTEREST / COUPON ON ISSUE DATE

(GROSS)

3.125% 7.25% 5.875%

MINIMUM INVESTMENT

REQUIREMENT P 50,000 P 500,000

TAXATIONTax exempt for qualified

individuals if held for at least 5 years

Exempted from 20% WHT for individuals and TEIs, if held

beyond 5 years

COUPON PAYMENT PERIOD Quarterly Quarterly

TRADABLE VIA MARKET MAKER YES

TERMS OF THE OFFERINGINSTRUMENT Additional Tier 1 Capital Securities

STATUS AND RANKING Direct, unconditional, unsecured and subordinated obligation

CURRENCY Philippine Peso (PHP)

MATURITY DATE Perpetual unless redeemed by the Issuer pursuant to a redemption option

INDICATIVE DISTRIBUTION RATE Benchmark plus spread

DISTRIBUTIONS

Cancellable, Non-cumulative and subject to Capital Conservation buffer requirements

:

INTEREST PERIODS Quarterly, 30/360 day count basis

DENOMINATIONS Minimum of PHP500,000 and in integral multiples of PHP10,000 or any other denomination as prescribed by the BSP”

TAXATIONTax exempt for qualified individuals if held for at least 5 yearsDomestic and Resident Foreign Corporation – 20%

21

CET1 Ratio Restriction on Distributions

6.0% - 7.25% No distributions

>7.25% - 8.5% 50% of earnings

>8.5% No restriction

Joel S. Cabrera, FIMS, CTPTreasury Sales OfficerInvestment Sales & Distribution DeptTreasury Investment Banking SectorLand Bank of the Philippines

0917 502 1169/ 0922 833 9925cnd1lou@yahoo.com