Part I

Introduction

OJT is still widely in use today. In fact, it is probably the most popular method of

training because it requires only a person who knows how to do the task, and the tools

the person uses to do the task. Internship or on the job training is one way by which we

students are given an opportunity to apply the theories and computations that we have

learned from school. It also helps us to obtain applicable knowledge and skills by

performing in actual work setting. Colleges and universities require their students to

undergo such training within a specific number of hours as part of the curriculum.

On-the-Job-Training or OJT is job training that occurs in the work place. It is very

important not only to teach students their chosen career but to show students

the reality about working. In our case we are required to have a minimum of four

hundred eighty six (486 Hrs.) number of hours for our OJT. We are responsible to look

for a specific company that will cater allow us, as student trainee. A minimum of one of

course and a maximum of five students only is allowed in each company. For us

students, an OJT or internship program provides opportunities to go through the actual

methodologies of a specific job using the real tools, equipments, and documents. In

effect, the work place becomes a development venue for us student trainee to learn

more about our chosen field and practice what we have learn from academy. On the

other hand, a valuable OJT program also profits the companies who accept trainees.

Our background OJT is very important when we are applying for a job.

Oftentimes, employers will ask you the relevance of your training to your course and to

the position you are applying for. It will be our training ground. If we still have no idea

on what is meant to be a worker, OJT will give us a hint of career realities.

Students should realize the importance of OJT on their future career. Having a

good performance during OJT is very important especially now that there's a tight

competition towards job seekers and the high qualification of companies.

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General Objectives

The general objective of the On-the-Job training is to develop the student's

intellectual, emotional and skills competencies provided with the advanced and detailed

knowledge of the design, implementation, and management issues involved in the

application of IT as well as to prepare him to become more responsive regarding to the

local, national and global demands affecting the IT industry.

Specific Objectives

Specifically the objectives of the On-the-Job Training aims to develop:

Knowledge and skills acquired in the classroom in order to become more

responsive to the demands of Information Technology (IT) Profession.

Apply the relevant theories of IT Profession and Code of Ethics into practice.

Feel and experience the actual world of work in computerized services.

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History of the Company

The Philippine National Bank was established as a government-owned banking

institution on July 22, 1916 with headquarters in the old Masonic Temple along Escolta,

Manila. Its primary mandate was to provide financial services to Philippine industry and

agriculture and support the government's economic development effort. World War I,

then raging in Europe, generated huge demand for the country's major exports namely:

sugar, copra, coconut oil, Manila hemp and tobacco. However, not much was being

done to develop the industries that produced these sought-after crops since access to

credit facilities was limited then. To solve this problem, Henderson Martin, Vice

Governor of the Philippines, together with Mr. Miguel Cuaderno (who later became

Central Bank governor) drafted the charter for a national bank.

In February 4, 1916, Public Act 2612 was passed by the Philippine legislature providing

for the establishment of the PNB to replace the small P1 million government-owned

Agricultural Bank. PNB's first head office was the Masonic Temple along Escolta, the

then "Wall Street of the Philippines" in the bustling district of Sta. Cruz in Manila. An

American, H. Parker Willis, was its first president.

"The First Universal Bank in the country"

With PNB's establishment, Filipinos found a bank of their own. PNB was authorized to

grant short and long-term loans to agriculture and industry. The Filipino farmers then

could avail of loans with interest between 8% to 10% per annum. PNB was also

authorized to receive deposits, open foreign credits and rediscount bills. It was also

given the special power to issue circulating notes. As such, PNB functioned as the de

facto Central Bank of the country until 1949.

On July 24, 1916, PNB established its first branch in Iloilo.

In 1917, PNB marked its entry in the field of international banking when it opened its

New York Branch. The following year, it established five more domestic branches and

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another overseas branch in Shanghai, China.

PNB briefly ceased operations in January 1942 but reopened the next month under the

supervision of Japanese authorities. After the Second World War, PNB reopened

immediately and acquired the assets and assumed the liabilities of the banking division

of the National Treasury.

With the establishment of the Central Bank in 1949, PNB's role as issuer of currency

notes, custodianship of bank reserves, sole depository of government funds and clearing

house of the banking system ceased.

"PNB launched the first on-line Electronic

Data Processing System in the entire Far East"

In 1955, it was authorized to operate as an investment bank with powers to own shares

and to issue debentures.

In 1963, it established the National Investment and Development Corporation to engage

primarily in long-term and equity financing of business ventures.

PNB transferred to its new Head Office along Escolta in 1966 and launched the first on-

line Electronic Data Processing System in the entire Far East.

Between 1967 and 1979, PNB continued to expand its operations by opening offices in

London, Singapore, Djakarta, Honolulu and Amsterdam. In the domestic field, it opened

14 provincial branches. It was also during this period that the Bank started the Dollar

Remittance Program.

In 1980, PNB became the first universal bank in the country. However, it encountered

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operational difficulties in the mid-80s as a result of the economic downturn triggered by

the assassination of Senator Benigno S. Aquino, Jr and had to be assisted by the

government in 1986.

Privatization of PNB

The privatization of the Bank started when 30 per cent of its outstanding stocks was

offered to the public and its stocks were listed in the stock exchange in 1989.

In 1992, PNB became the first Philippine bank to reach the P100 billion marks in assets.

Also in 1992, a second public offering of its shares was issued to continue its

privatization.

In 1995, the Bank moved to its new headquarters at the PNB Financial Centre in Roxas

Boulevard, Pasay City.

In 1996, the Securities and Exchange Commission approved the Bank's new Articles of

Incorporation and by-laws and the change in the status of PNB from a government-

based to a private corporation with the control of the government reduced to 46 per

cent. At the turnover rites on July 23, 1996, President Fidel V. Ramos declared:

PNB is the bank for the Filipino wherever he or she may be-- in the country's centres of

commerce and industry, in the far reaches of the countryside, and even in

many places across the globe."

A New Beginning

In 1999, a group of new private stockholders led by Dr. Lucio C. Tan acquired

approximately 35% of the total outstanding capital stock of PNB. In early 2000, the

group increased its share in the Bank to 69.32% and pumped in nearly P20 billion fresh

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capital in less than one year. This was done to emphasize the commitment of the new

stockholders to the improvement of the Bank's financial condition, which had been

incurring losses in operations due to poor asset quality.

In late 2000, the Bank suffered a liquidity crisis and the National Government stepped in

to support the Bank by implementing a capital restructuring and injecting P25 billion in

liquidity assistance.

In May 2002, the Government and the Lucio Tan Group, representing the group of

private stockholders, sealed the Memorandum of Agreement (MOA) that embodied the

provisions that would help turn the Bank around. It included, among others, the

settlement of Government's liquidity assistance by way of increasing the Government's

stake in the Bank from 16.58% to 44.98%, in effect reducing the group’s share from 68%

to 44.98%. At the same time, the Bank started operating under a 5-year rehabilitation

program.

In August 2005, the Government, as part of its privatization program, sold down its

32.45% stake in the Bank via an auction. The private stockholders represented by the

Lucio Tan Group exercised their right of first refusal, reducing the Government’s share

to 12.5% and raising the group’s to a total of 77.43%.

In June 2007, PNB settled its P6.1 billion loan to Philippine Deposit Insurance

Corporation (PDIC), more than four years ahead of the loan’s due date. The loan

repayment was a clear indication of the Bank’s renewed financial health.

In August 2007, the Bank completed its Tier 1 follow-on equity offering where it rose

about P5.0 billion in Tier 1 capital. Together with the sale of 89 million primary shares,

71.8 million secondary shares owned by the National Government through PDIC and

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DOF were sold to the public, thus bringing about a complete exit of the Government

from PNB.

Since the inception of the rehabilitation program, PNB exceeded the targets of the

program. While the program called for profits starting 2005, the Bank became

profitable as early as 2003. Within four years, PNB increased its net income sixteen

times from P52 million in 2003 to P820 million in 2006.

With its successful exit from the Government’s Rehab program and the strong income

performance, PNB has demonstrated its ability to sustain its heightened

competitiveness based on the three tenets of reducing non-performing assets,

strengthening core businesses and increasing profitability.

The Bank remains as one of the largest banks in the country with a wide array of

competitive banking products to answer for the diverse needs of its huge clientele

including more than 2 million depositors.

PNB maintains its leadership in the overseas remittance business with remittance

centres in the United States, Canada, London, France, Italy, Hong Kong, Japan, Singapore

and the Middle East countries.

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Part II

Narration of Experiences

The student trainee had her training at Philippine National Bank, La Paz Branch.

She completed five hundred twenty three (523 hrs.) hours and the following are her

experiences during the training.

June, 2013

Third Week of June

Her first day of the On-the-Job training, with her co-trainee, Rhea H. Fajardo,

she started Wednesday because she had to wait for the Branch Manager to come back

from her ten days leave. She was very excited and somewhat nervous because of the

new environment and the new people she had met.

An hour before banking hours, Ma’am Porras,BM, gave a short orientation and

briefing regarding the office works. At first, she had the hardships of familiarizing all the

office work they gave. Maybe because she does not find it connected with her course.

They asked her to file all the documents and transactions they are doing. She filled the

account information form (AIF), client information form (CIF) and signature cards (SIG.

CARDS). She does not find herself productive if she would just file the whole week. So

she did the checking of checks account number and amount. They taught her how to

use their office facilities, now she did scanning, photocopying and even networking.

Her first week was really a good start and she was motivated to perform

excellently because of what she had already accomplished and because of her

supervisor who was very accommodating and kind to her and to her co-trainee.

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Fourth Week of June

It was a busy Monday of June. As trainee she was required to wear a student

trainee I.D. within the bank premises. Ma’am Porras, BM told her to open the ‘short cut

to Anna’ folder in the desktop and look for the student trainee I.D. format. She opened

it, and started to edit the format by encoding her complete name, then she printed it,

she started wearing her trainee I.D. Aside from filing, encoding and photocopying, she

also assisted the client to filled-up the withdrawal slip. At first, she was in doubt, maybe

she was not allowed, but Ma’am Claire, Sales and Service Associate (SSA) explained to

her that there were clients that were having difficulties to fill-up due to their conditions

and senior citizen clients are really need to be assisted.

She also filled AIF, CIF, SIG. CARDS, filing of Transactions (Withdrawal and

Deposit Slips, Receipts), scanning and photocopying. The bank accepting or catering SSS

Pensioners and every year this pensioners were expected to visit the bank for their

Annual Confirmation of Pensioners (ACOP) and trainees were in-charge to assists the

pensioner’s client. Ma’am Grace, Sales and Service Officer (SSO), asked her to check the

clients Sig. Cards with dormant or inactive accounts.

July, 2013

First Week of July

Monday, first day for the month of July, “OFF-LINE”! The bank was off-line, they

cannot generate reports and the bank transactions were limited. This situation lasted

for two days, Monday and Tuesday. For the first month of July, the same work and usual

office works: filing of AIF, CIF, SIG. CARDS, photocopying, encoding, scanning counting of

coins deposited by the client Php. 1.00, Php. 5.00, Php. 10.00 bills and arranging of

passbooks in alphabetical order. If the bank is off-line, the clients can still withdraw and

deposit, but they need to leave their passbooks until on-line for machine validation.

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She continued her work last week in checking of dormant/inactive accounts.

Now that the bank was already on-line, another busy week has started. In line with this

are: filing of AIF, CIF, and SIG. CARDS. Direct Posting, RJC Agency, Over-the-Counter,

Blue collar manpower Agency, filing of dormant/inactive Sig. Cards and filing of

transactions (Withdrawal and Deposit Slips, Receipts). Aside from that, she assisted

Ma’am Jen, the Teller, in CD burning. Ma’am Porras, BM, asked her to delete the quota

error reports in Ma’am Anne’s e-mail. The first week of July, was quite tired and

stressful week.

Second Week of July

Her workflow was the same as her first week of July, filing of AIF, CIF, SIG. CARDS

and Bank Transactions (Withdrawal and Deposit Slips, Receipts). She assisted the client

to fill-up the withdrawal slip and withdrawing in the ATM Machine. That time she can

familiar to her duties and at the same time less supervision was given to her. She

worked faster than before. She assembled computer units, did scanning, photocopying,

printing bank document and she assisted the client to filled-up the withdrawal and

deposit slips and withdrawing in the ATM Machine.

Third Week of July

In this week, for the first time they met the PNB Technician, he came to install

the B.I.R. application for the B.I.R. payment purposes. Her tasks were assisting the client

to fill-up the withdrawal slip and withdrawing in the ATM Machine, filing of AIF, CIF, SIG.

CARDS, bank transactions (Withdrawal and Deposit Slips, Receipts), Direct Posting, and

Request for Write- off Files and Minutes of Meeting. She also do the scanning,

photocopying of files, encoding and printing of Minutes of Meeting, assisting the

pensioner’s client to fill-up the Annual Confirmation of Pensioner’s (ACOP) Form.

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Fourth Week of July

She started the week in filing of transactions (Withdrawal and Deposit Slips,

Receipts), AIF, CIF, SIG. CARDS, encoding and filing the Minutes of Meeting and End of

Day Reports. It was not an ordinary week for the whole PNB Institution, because they

were celebrating the 97th year anniversary of the bank and they used to spend this

week as their celebration for the event. They had white and blue balloons decorated

inside the bank and free candies for the clients. Despite of this celebration, office works

must go on: scanning, printing and photocopying of bank documents. Ma’am Claire, the

SSA, told her to encode the SSS Annual Confirmation of Pensioner’s Transmittal Form,

lists of the SSS Pensioners and it will be forwarded to the SSS Main Office. After that, she

encoded the lists of Closed Accounts, assisted the client to fill-up the withdrawal slip

and releasing of passbooks.

Fifth Week of July

The whole day of July 29, was brown out, and because of this, the system they’re

using was not working well, so they need to prepare all the documents manually. She

had observed that it was time consuming. The use of hi- tech system greatly affected

their nature of work. The bank have generator, yet it cannot cater the power supply

needed by the bank. Therefore filing was her work for the whole day: filing of AIF, CIF,

SIG. CARDS and Direct Posting. We scanned, photocopied, and printed the minutes of

meeting. Ma’am Porras, the BM, asked her help in checking the lists of High-Dividend

Fund and Mabuhay Prime, then she also assisted Ma’am Rose in Releasing client

passbooks. This week was a very heavy week but despite of it, she really learned a lot

not just academically but socially as well because she learned to adjust herself to the

people around her and she learned to socialize with them.

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August, 2013

First Week of August

Her OJT journey for this week started, when one client wanted to deposit coins,

but the coins were not yet packed and labelled, wherein one of the policies that the

coins to deposited must be packed in a plastic and labelled, after all it is not the bank’s

responsibility. Since the client came early in the morning before the bank hours, they

handed their help packed the coins. It took half day of her duty to finish packing. Ma’am

Porras, BM, said that it was not the first time that this client deposited coins which are

not packed and labelled.

Ma’am Claire, SSA, gave her the lists of the closed accounts and according to

her; she can encode it anytime as long as she is free. She was very busy doing her

assigned tasks.

Second Week of August

As what they had said, “Always Expect the Unexpected”, it was really

unexpected when Mr Mariano “Jun” Magbanua,PNB Area Head Officer in Panay, had a

surprise visit the PNB La Paz, for inspection. She was surprised and shocked as well;

because she was not prepared and maybe because it was her first time to saw him.

While he was busy talking to the Manager, she just continued her work in filing of AIF,

CIF, SIG. CARDS, Minutes of Meeting, ATM Reports and printing of End of Day Reports.

She heard so many rumours about this terror and strict Area Head Officer. But at least

before she ended her OJT journey she had given a chance to meet their terror and strict

boss.

Third Week of August

It was a relaxing week for the trainee, less paper works. She encoded the SSS

Transmittal of Annual Confirmation of Pensioners and printing the End of Day Reports.

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She enjoyed so much in assisting the pensioner’s client, for they were sharing their ideas

and she really gained from them out of their experiences before they became

pensioners. After a short conversation with the pensioners, back to work, the same

thing: scanning, photocopying and printing of bank documents. Ma’am Grace, SSO, gave

her the lists of closed accounts and told her to pull-out their AIF and Deposit Account

Form after that she had filed it and put a stamped “Closed Account’. This week was not

as heavy as the previous week but she enjoyed it because of the new tasks that she

accomplished. It was a great week for her and she was really satisfied with her

accomplishments for this week. Despite the times that she was just sitting on the chair,

in front of the table, and waiting for them to ask her to do something, she still learned

to behave and to be alert whenever they call her for assistance.

Fourth Week of August

This week was the delivery of the requested office supplies of the bank. Early in

the morning of August 29 together with Ma’am Claire, SSA, and the utility, they opened

the big boxes that contains office supplies of the bank. They checked the supplies

thoroughly one by one to make sure that the delivered supplies were complete and

correct. After this, she had a lot of paper works to be filed, the dormant or inactive sig.

cards, transactions (Withdrawal and Deposit Slips, Receipts), AIF, CIF and the closed

accounts. She assisted the client in withdrawing at the ATM Machine and to filled-up

withdrawal slip. It was the end of her August OJT experience.

September, 2013

First Week of September

During this week of her On-the-Job Training, new tasks were assigned to her and

performing these tasks helped her to grow as an individual conducting her training in

the workplace. She was tasked do the filling of AIF, CIF, SIG. CARDS, Direct Posting,

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Transactions (Withdrawal and Deposit Slips, Receipts) and Closed Accounts. Ma’am

Porras asked her if she can help her in copying the images and files from her e-mail add

and transfer to the flash drive. After that she did the printing, photocopying and

scanning of bank documents then we resized and zipped the files. There were so many

pensioners client who needs her help in assisting them to fill-up the Annual

Confirmation of Pensioner’s (ACOP) Form. After a while Ma’am Jen, the Teller, approach

her if she can assists in cd burning. Another week of accomplishment of OJT activities

was done.

Second Week of September and Last week of OJT

This was her last week of On-the-Job Training and she needed to finish and to

perform the tasks assigned to her. She was asked to encode the closed accounts for the

month of August and September, encoded and printed the label of the check books. As

usual, photocopied, scanned and printed bank documents. She also did the filing of

transactions (Withdrawal and Deposit Slips, Receipts), the AIF, CIF, SIG. CARDS and

Closed Accounts, and this was her last time to assist the pensioners client to fill-up the

Annual Confirmation of Pensioner’s (ACOP) Form.

She was happy because she had finally finished her training but somehow sad

because she will be leaving the office where she had lots of memories and she will be

missing the people that became closer to her even just for a short period of time..

Despite the sorrow of leaving them, she was still happy that once in her life, she

had met people like them in her life who taught her things related to her chosen course,

and most importantly, they helped her to be the best that she can be.

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Part III

Conclusion

Honesty is an essential virtue specially working in a bank. As a trainee, she

expected to be honest, truthful and upright in the performance of her work since she

was dealing with the Philippine National Bank officers, Employees and Clients.

At the end of the On-the-Job training period, she experienced many things and

learned from it. She learned how the competition happens among business world,

specifically in bank transactions, their strategies, on how to convince the clients to

invest, on how to assure the clients that thier files and information are treated

confidentially and secured.

Her OJT lasted for almost three months. She can say that this training boost her

self confidence, her personality as individual, it enhanced her skills in computer

application and it changed too much her student’s outlook in life through exposure in

performance of actual work relevant to Information Technology, that may serve as her

stepping- stone for the future career. Aside from handling computer and paper works,

they did not missed the chance to experience, on how bank transactions occured.

It is very important to learn these things because these are the things essential

for us to know about this kind of work. Throuhgout the training, she experienced

dealing with different kind of people around her, with the clients, bosses and most

especially with her c0-trainee. It is important to a group of workers to have camaraderie

so that they can work well and attain their goal. Through this OJT, she has seen the

difference when she is in school and in the real world, most of the time she just learned

theoretically in school while in real world, she actually experience and apply what

the trainers taught to her.

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Part IV

Recommendation

The school must have good coordination for some companies that accept On-

The-Job Training inside their company. The university should provide more budget and

time given to the OJT coordinator and should assign not only one OJT coordinator to

have the best monitoring of the training of the students are taking especially to those

students who chose to do their training in far places like Bacolod, Manila and others.

The company is a good training ground , because it created a good service to their

clients and gave training for the students.

For the company, they don’t have to hesitate to accept an IT trainees so that

there must be somebody to assist them about their problems regarding their

computers. For the future OJT trainees, they must have a good company that would give

them a good training ground and would enhance their knowledge and capabilities. They

must look for a company or institution where they can apply their learned knowledge

from the university and they must know the background and the functions of the

company that they are going to. They must know their nature of job so that they will

have an idea on what they are going to do when they will be starting their training.

When they are in training, they must focus and concentrate in their assigned

task. Always abide the rules and regulations of the company. Just always be on time.

And in case of problems, be calm and do not panic. Listen to your supervisor and know

your responsibilities. Don’t be shy to ask your supervisor or your superiors if there are

something that you don’t understand. It is better to ask them than having any mistakes

while doing your assigned task. Learn to accept the fact that you also commit mistakes.

Learn to get along with your co-workers and to your superiors. Always remember your

reason why you are in that company, to learn.

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