Typical Filipino Depositor’s Bank Balance...

[mda]

I'm asking because our practice is just to leave the cheques for deposit sa teller since madami and babalikan na lang after Couple of hours or after lunch.


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Checks are okay. Banks are stricter now with second endorsing (depositing checks to accounts w different name as what is on the face of the check).

Ingat ka lang sa mga pay to cash.

[makelovenotwar]

Naka-experience ako magdevelop ng software used by tellers sa isang bank dito satin.

Walang audit trail ng views.
Ang may audit trail lang ay yung may postings or movements sa data like debit/credit.
May audit trail din pala yung mga request ng bank certificates etc.

Pero yung titignan lang yung bank balance, wala.

Kapag tinginan ng balances or kahit anong data, mas powerful ang IT people over tellers.

[pobre24]

Naka-experience ako magdevelop ng software used by tellers sa isang bank dito satin.

Walang audit trail ng views.
Ang may audit trail lang ay yung may postings or movements sa data like debit/credit.
May audit trail din pala yung mga request ng bank certificates etc.

Pero yung titignan lang yung bank balance, wala.

Kapag tinginan ng balances or kahit anong data, mas powerful ang IT people over tellers.

Correct and this is the norm. Pero depends on the system used nga. Meron iba na meron.
Malalaman mo lang kapag tinawag ka ng Senior Exec para tanungin kung bakit sinisilip mo payroll account nya. haha

[makelovenotwar]

Correct and this is the norm. Pero depends on the system used nga. Meron iba na meron.
Malalaman mo lang kapag tinawag ka ng Senior Exec para tanungin kung bakit sinisilip mo payroll account nya. haha

Hahahaha yari si teller.
Sa IT side, madali talaga at malabong mahuli basta wag lang talagang i-single out yung account kapag sumilip sa database.

A little OT.
As an IT guy, natutuwa ako kapag pinapatawag ako sa bank branch para mag-monitor ng unusual software-related problems nila. Kasi as in katabi ko ang mga tellers. Eh alam naman natin na most ng mga tellers ay girls at attractive.

[_Cathy_]

Because you're in a managerial position somewhere sa head office.

Pag sa local branch... you have 4-5 tellers, several people for customer relations, a branch operations head, a cashier, a manager. Add in some support staff, marami yun.

* 300 branches?

Several reasons for turnover: Low salary, natanggal for performance, not regularized after initial 6 months, regular employee churn, etc.

All multiplied by how many branches.

Pag multinational katulad ng inyo... ibang usapan yan. Depending on which multinational bank you belong to... you only have 2-4 branches here in metro manila... Kahit tig 20-30 employees pa per branch (already a generous number), madali lang bantayan.

Edit: I could be wrong :P

Parang feeling ko nga asar mga branch sa head office

Yup, only 6 branches in Metro Manila Stress pala mag work sa local bank. My former manager moved to BPI. She said she can hire me if I want to move but she thinks I will be shocked sa local bank culture.

Red flag yan. Desperation and financial problems are the root causes of inhouse fraud, theft and robbery. I'd raise it to her manager but not to get her fired. Some managers may be able to guide the employee out of her problems. At the same time, she'll be aware of the situation and be cautious.

Exactly! Aside from being a red flag, what she did is very UNETHICAL. The company or her manager is not her psychologist/therapist/life coach Employees represent the organization kaya his or her actions, even outside work are important. In our company, employees involved in immoral acts, grounds for termination din (eg adultery) Meron na rin na suspend samin because of NBA betting (big money involved pala dyan!)

Some managers just want to be rid of the problem... Fire kaagad.

I would too.

Naka-experience ako magdevelop ng software used by tellers sa isang bank dito satin.

Walang audit trail ng views.
Ang may audit trail lang ay yung may postings or movements sa data like debit/credit.
May audit trail din pala yung mga request ng bank certificates etc.

Pero yung titignan lang yung bank balance, wala.

Kapag tinginan ng balances or kahit anong data, mas powerful ang IT people over tellers.

Inisip namin sa buong company, pinaka powerful ang IT department. If IT decides to walk out and not work, we cannot function na hehe

Usually ang attractive samin mga personal bankers/sales for HNW clients. They hire employees that are attractive and from good background because they interact closely with the HNW clients of the bank.

[pobre24]

Parang feeling ko nga asar mga branch sa head office

Yup, only 6 branches in Metro Manila Stress pala mag work sa local bank. My former manager moved to BPI. She said she can hire me if I want to move but she thinks I will be shocked sa local bank culture.

Hindi ba 7 branches kayo sa Metro Manila?
And yes, local banks are totally different from multinationals. May pros and cons naman.

[makelovenotwar]

Inisip namin sa buong company, pinaka powerful ang IT department. If IT decides to walk out and not work, we cannot function na hehe

Usually ang attractive samin mga personal bankers/sales for HNW clients. They hire employees that are attractive and from good background because they interact closely with the HNW clients of the bank.

IT department is the eye in the sky. Specifically the hardware/infrastructure/network people
They "know" everything. They can check contents of emails and chats. Everything that goes through the network, they can see.

Oh yes, sales people. Aside from being physically attractive, they're very charming too.

[Rysun09]

IT department is the eye in the sky. Specifically the hardware/infrastructure/network people
They "know" everything. They can check contents of emails and chats. Everything that goes through the network, they can see.

Oh yes, sales people. Aside from being physically attractive, they're very charming too.

Despite the high regard for the IT functions though, IT personnel in banks aren't really paid all that well, at least from my experience or maybe i just suck lol

[pobre24]

I'm asking because our practice is just to leave the cheques for deposit sa teller since madami and babalikan na lang after Couple of hours or after lunch.


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If ever may issue, they refer to the CCTVs and documents on hand more than the system and IDs. Normally, issue sa check deposit is di nadedeposit ng teller kasi nakalimutan. lol

[EQAddict]

She is living the minicarph OB life.... Utang pa more!




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[carwhacko]

Based sa experience ko mas worse parin Pinoy sa utang. Dami ko na na-experience sa mga pinoy na di na nagbabayad ng mga utang. [emoji28]

I have friends in the US, mga wala ring ipon (liquid) I think ang pinaglalaaanan talaga nila is their 401k.


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[vinrem]

Based sa experience ko mas worse parin Pinoy sa utang. Dami ko na na-experience sa mga pinoy na di na nagbabayad ng mga utang. [emoji28]

I have friends in the US, mga wala ring ipon (liquid) I think ang pinaglalaaanan talaga nila is their 401k.


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One of my suppliers in china one time asked if it's true sa mga narinig nya from others na ang pinoy daw, pag sweldo na, wala na daw natitira and sometimes daw wala na daw natatangap na sweldo kasi ubos na kaltas sa utang, sabi ko it's sad to say but it's true [emoji17].

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[XTO]

One of my suppliers in china one time asked if it's true sa mga narinig nya from others na ang pinoy daw, pag sweldo na, wala na daw natitira and sometimes daw wala na daw natatangap na sweldo kasi ubos na kaltas sa utang, sabi ko it's sad to say but it's true [emoji17].

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marami basta gumagana pa credit card/s sige lang bukas na isip...... pero meron naman talaga na CC gamit dahil walang paglagyan ng cash.

[vinrem]

marami basta gumagana pa credit card/s sige lang bukas na isip...... pero meron naman talaga na CC gamit dahil walang paglagyan ng cash.

Ako just 1 cc ok na, anyway, I just use it for airline ticket purchase or hotel booking abroad kung kasama family, natuto na rin ako sa cc when I was still young and learned a very hard lesson from it, kaya cc iwan ko sa bahay, and cash transaction na ako if shopping si wifey or if kain sa labas,if big purchase naman, I use debit card ko.

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[kagalingan]

mablis makatanda ng itsura yan madami utang.

[crosswind]

Mahirap kaya matulog ng may utang haha. Parang hindi ka mapakali na you want to pay na right away.


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[CVT]

Presyo ng bahay sa US - $500K - Midwest - low interest in the US
Presyo ng kotse sa US - $25K
Annual Sweldo ng dalawang nagtatrabaho sa US - $120K - $60K per year x 2
Take home approx $94K
Libre education hanggang HS
Ratio of House+Car+Educ to Annual Take Home = 5.6:1 - pag sa Bay Area na P1M ang bahay - 10.9:1

Presyo ng bahay sa Pilipinas - P5M - condo in MM - high interest in the Philippines
Presyo ng kotse sa Pilipinas - P800K
Tuition at baon ng bata sa school per year - P100K
Annual Sweido ng dalawang nagtatrabaho sa Pilipinas - P1800K - P70K per month x 2
Take home approx P1260K
Ratio of House+Car+Educ to Annual Take Home = 4.7:1

- mas magaan dalhin ang Pilipinas.... Huwag lang maluho.... may savings ka pa

[jut703]

Presyo ng bahay sa US - $500K - Midwest - low interest in the US
Presyo ng kotse sa US - $25K
Annual Sweldo ng dalawang nagtatrabaho sa US - $120K - $60K per year x 2
Take home approx $94K
Libre education hanggang HS
Ratio of House+Car+Educ to Annual Take Home = 5.6:1 - pag sa Bay Area na P1M ang bahay - 10.9:1

Presyo ng bahay sa Pilipinas - P5M - condo in MM - high interest in the Philippines
Presyo ng kotse sa Pilipinas - P800K
Tuition at baon ng bata sa school per year - P100K
Annual Sweido ng dalawang nagtatrabaho sa Pilipinas - P1800K - P70K per month x 2
Take home approx P1260K
Ratio of House+Car+Educ to Annual Take Home = 4.7:1

- mas magaan dalhin ang Pilipinas.... Huwag lang maluho.... may savings ka pa

Nice comparison bro. Puts things nicely into perspective. [emoji5]

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[_Qwerty_]

masyado yatang mataas yang 70K per month tapos x 2 pa? mas realistic eh mga nasa 30K a month x 2 siguro..

Presyo ng bahay sa US - $500K - Midwest - low interest in the US
Presyo ng kotse sa US - $25K
Annual Sweldo ng dalawang nagtatrabaho sa US - $120K - $60K per year x 2
Take home approx $94K
Libre education hanggang HS
Ratio of House+Car+Educ to Annual Take Home = 5.6:1 - pag sa Bay Area na P1M ang bahay - 10.9:1

Presyo ng bahay sa Pilipinas - P5M - condo in MM - high interest in the Philippines
Presyo ng kotse sa Pilipinas - P800K
Tuition at baon ng bata sa school per year - P100K
Annual Sweido ng dalawang nagtatrabaho sa Pilipinas - P1800K - P70K per month x 2
Take home approx P1260K
Ratio of House+Car+Educ to Annual Take Home = 4.7:1

- mas magaan dalhin ang Pilipinas.... Huwag lang maluho.... may savings ka pa

[CVT]

masyado yatang mataas yang 70K per month tapos x 2 pa? mas realistic eh mga nasa 30K a month x 2 siguro..

Ang baba mo namang magpasweldo, bro...

Again, comparing middle income families (professionals from both sides of the globe) living in the Metropolis.... Take note- household income in the US is $120K...

If not true with their current situation, then the tsikoteers can do their own math,- just a template for their individual comparison....