F Welcome to FICOBank

Profile of FICOBank

The First Isabela Cooperative Bank (FICOBank) is one of the pioneer and prominent cooperative banks in the Philippines. Its origin is deeply rooted in the community, as it was organized 42 years ago by two cooperatives and 47 samahang nayon, which represented the farmers who have limited resources and access to banking services. From a molehill-size cooperative rural bank that it opted to be, it elevated to a mountain-high cooperative bank, as it can now lay claim to a resource base of over Php4.34 billion (as of December 2018).

From the time it launched the first salvo of its banking services in 1980, FICOBank continually operates on the basis of firm and sound cooperative banking principles. And for the reason that its cooperative nature translates to “people helping people transform their lives,” FICOBank is more involved in the community than any other banking institution. To a great extent, it contributes to the socio-economic development of the people, thereby making it a valuable community asset.

FICOBank is primarily engaged in financial intermediation between and among: farmers, fishers and their organizations; micro, small and medium entrepreneurs; rural, urban and overseas workers; and professionals, pensioners and other segments of the market. It also provides money-wiring and cash-dispensing services to the public. Its extensive array of innovative financial products and services and its exclusive list of complementary development support and solutions are adaptive and responsive to the multidimensional needs of its 103 regular institutional members, 26,063 special individual members and 72,161 depositing and borrowing clients. This proves that FICOBank is a real people's bank that has a big heart for the common good of the greatest number.

FICOBank’s products and services can be accessed by the banking public at its 34 banking units in 32 strategic locations in the provinces of Isabela, Quirino, Nueva Vizcaya, Cagayan, Tarlac, Nueva Ecija, Bataan, Pampanga, Pangasinan and Bulacan. These operating units effectively extend the Bank’s market reach and bolster its capability to service the growing number of clients.

True to its unique character, FICOBank is owned, managed and controlled by its regular member-shareholders through their elected/appointed representatives. It is ably governed by its Board of Directors (BOD), which is composed of seven regular directors and two independent directors. The BOD, in its oversight function, is assisted by 11 Board Committees. Its corporate and business affairs are administered by the Senior Management (SM), Treasury & Corporate Services Group (TCSG) and Operation & Banking Services Group (OBSG). FICOBank employs a total of 447 personnel. It is renowned for having top-notch, high-skilled, goal-driven and dedicated personnel.

FICOBank is ranked No. 1 in the Philippine cooperative banking industry in terms of financial performance, “AA” EAGLE Achiever in microfinance performance, a Hall of Famer Cooperative Bank and a Ginintuang Gawad PITAK Awardee. Its outstanding performance has been consistently noticed through the years by the Land Bank of the Philippines, Cooperative Banks Federation of the Philippines, Bangko Sentral ng Pilipinas, Microfinance Council of the Philippines, Citigroup and other award-giving organizations.

FICOBank pursues to be a FIRST CHOICE Bank by the people in its geographic area of operation (Regions I-II-III and CAR). In full awareness of this institutional pursuit, FICOBank puts first and foremost the common interest and aspiration of its members and clients, along with their families and communities. Providing excellent customer service, fostering longer-term relationships and offering the best possible financial solutions are FICOBank’s means to achieve that end.

FICOBank is firmly committed to its key corporate-brand promise of staying in the business of community banking for good.






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