Our business, at FICOBank, will directed to this preferred set of markets:

• Core Market—the farmers, fishers and their organizations, the micro, small and medium entrepreneurs, the rural,urban and overseas workers, and the professionals and other individuals;


• Specialized Market—the high net-worth businessmen and corporate clients, needing big-ticket loan accounts; and


• Strategic Market—the underserved (backlogs) and unserved (neglected) segments of the market.

We will satisfy our customers’ expressed and legitimate needs by means of our innovative, accessible and viable financial services and solutions, and in a way and at a level that can help them make their respective aspirations and/or objectives happen.

Our business, at FICOBank, will directed to this preferred set of markets:

• Deposits that have the first-class-rates;

• Loans that have the first-rate-terms and conditions; and

• Services that have the most-convenient attributes.

We satisfy our customers' needs through innovative and accessible financial services and solutions that are combined with first-class-rate and first-rate- services to offer each customer a banking experience that's fit for a king.

The following are our core capabilities:

• Financial Condition—strong, secure and stable balance sheet, which is capable to adapt and respond to the multi-dimensional financing needs of the multi-sectoral clientele;


• Human resource (key personnel)—very reliable and highly motivated personnel, who are known for their strength in character, knowledge and skills, as they are nurtured in a learning environment where integrity, professionalism and excellence are brought to life;


• Technology and infrastructure—information technology, communication infrastructure and database management, which will optimize performance and efficiency in any process;


• Product Development & Marketing—development of innovative financial products, and use of sales force in personal selling and multi-media in marketing communication, which are capable of attracting and acquiring more customers;


• Distribution & Delivery Channel—accessability near-you servicing, with unique, simple and timely delivery of financial products and services that is combined by the convinience of technology;


• Brand & Relationship Management—begetting brand loyalty by initiating banking relationships that are greatly valued by the customers and the community;


• Risk Management & Control—availability of strong and effective risk management and control system, which can reduce vulnerability against all types of risk inherent to banking operations; and


• Corporate Governance—upholding the core principles and best practices of a sound and effective corporate governance, which are characterized by integrity, transparency, accountability, prudence and appropriate control.

The growth of our present and would-be businesses and financial products/services will be supported end-to-end by our core competencies.

Our corporate-brand promise is to stay in the business banking for good.

As specified in our By-Laws, our area of business operation shall be within the island of Luzon. But, at present, our banking units are placed in 37 strategic locations in Regions I-II-III & CAR. You may visit http://ficobank.com/banknetwork.htm for reference.

For Filipino Citizens: Those issued by any of the following official authorities:

• Government of the Republic of the Philippines, including its political subdivisions, agencies and instrumentalities;


• Government-Owned and -Controlled Corporations(GOCCs);


• Covered persons registered with, and supervised or regulated by, the BSP, SEC or IC; or


• Philippine Statistics Authority (PSA) under the Philippine Identification System (PhilSys);

For Foreign Nationals: Passport or Alien Certificate of Registration;

For Filipino Students: School ID signed by the school principal or head of the educational institution;

For Low-Risk Customers: Any document or information reduced in writing, which is deemed sufficient to establish the client’s identity; and

Other identification document that can be verified using reliable and independent source document, data or information.

• Certificate of Registration issued by: the Department of Trade and Industry (DTI)for single proprietorship, the Securities and Exchange Commission (SEC) for corporations and partnerships, the Cooperative Development Authority (CDA) for cooperatives, or the Bangko Sentral for money changers/foreign exchange dealers and remittance and transfer companies;


• Secondary license or certificate of authority issued by the supervising authority or other government agency;


• Articles of Incorporation/Partnership/Cooperation;


• Latest General Information Sheet (for corporations/ partnerships);


• Cooperative Annual Performance Report, with acknowledgment receipt from the CDA, and Certificate of Compliance (for cooperatives);


• Board or Partners’ Resolution duly certified by the Corporate/Partners’ Secretary, or other equivalent document, authorizing the signatory to sign on behalf of the entity; and


• For entity registered outside of the Philippines, similar documents and/or information duly authenticated by a senior officer or the designated officer of the covered person assigned in the country of registration; in the absence of said officer, the documents authenticated by the Philippine Consulate, company register or notary public, where said entity is registered.

• Barangay Clearance;


• ID picture (2” x 2”), both husband and wife (if applicable); and


• Community Tax Certificate (Sedula), both husband and wife (if applicable).