DepEd conducted the 2019 Brigada Eskwela last May 20 to 25, 2019 with the theme "Matatag na Bayan para sa Maunlad na Paaralan”. Education for the youth is one of the advocacies of Rang-ay Bank. An encouraging learning environment is essential to good education. The bank supports schools through direct involvement in DepEd community programs and aims to provide affordable credit to public school teachers.

          Rang-ay Bank supported the 2019 Brigada Eskwela through financial assistance to several schools in La Union (Bangar, Balaoan, Bacnotan and San Fernando City), Ilocos Sur (Candon City, Narvacan and Vigan City) and Abra (San Juan and Bucay) towards the preparation of school facilities in time for the opening of the school year in June.

          The bank conducts product presentation and financial literacy briefing for students, teachers and non-teaching staff of the schools. Get in touch with us thru e-mail at marketing@rangaybank.com or call us at (242) 5661 to 63 or 0917-320-5049. You can also message us on facebook at facebook.com/rangaybank. For more details about the bank’s products and services, visit our website at www.rangaybank.com.


          The Philippines is known to have a long list of festivals. It is a fact that Filipinos enjoy the celebration and have fun together. Festivals in the Philippines are varied and depict the culture and tradition of each of the cities and towns. Rang-ay Bank welcomed the fiesta season by supporting and joining scheduled activities in three (3) different local festivals of different municipalities where the bank is located.

          On April 30, 2019, Dagupan City (Pangasinan) celebrated its Annual Bangus Festival where people grilled hundreds of bangus along the De Venecia Road. Bankers of Dagupan Branch participated in the main highlight of the festival which is the Kalutan ed Dalan (Bangusan Street Party) where the bankers manned a booth and grilled bangus as part of the celebration. The staff also distributed giveaways and flyers to the locals and visitors.

          Officers and staff of Agoo (La Union) branch led by Manager Aldyne Dela Cruz participated in the 15th Dinengdeng Festival by joining the grand civic parade last May 1, 2019. Dinengdeng which is also called "Abraw", is a regional Ilocano dish composed of different vegetables with grilled fish. The staff distributed flyers, newsletters, giveaways and candies to the people who watched the parade.

          Bacnotan (La Union) celebrated its 11th Diro Festival last May 2, 2019. "Diro" is an Ilocano term for honey which symbolizes unity and oneness for the Bacnoteñans. It is also the Bacnotan’s “One Town, One Product” under the program of the DTI. Officers and staff from Head Office and Bacnotan branch joined the float parade and distributed giveaways to the townspeople.


          Three of the twenty-nine branches of the premiere countryside bank in the Ilocos Region and Cordilleras marked their anniversaries by organizing community projects during the 2nd quarter of 2019.

          San Juan (La Union) branch marked its 6th anniversary by participating in Team Surf 2019 held at Urbiztondo beach last May 4, 2019. Seventy five (75) children with special needs participated in the event and were given the chance to experience surfing with the help of volunteers from La Union Surfers Club (LUSC). The team led by San Juan Manager Novelyn Luebben together with HO Marketing Team turned over 5 large garbage drums to help maintain the cleanliness of La Union’s beloved surf area, which is known as the “Surfing Capital of the North". LUSC President, Ian Sagun expressed his appreciation to Rang-ay Bank for being a part of their annual Team Surf.

          Rosario (La Union) branch commemorated its 1st anniversary by giving “Camisa de Chino” to farmers of Barangay Tay-ac, Rosario, La Union last May 16, 2019. The team led by Area Manager Winnie Mingaracal and Bank Consultant Ernesto Casison together with Rosario Branch Manager Marichu Pasag, Agoo Branch Manager Aldyne Dela Cruz and HO Marketing Team introduced Rang-ay Bank and presented the different products and services offered by the bank especially the Small Farmers Loan Program. Farmers Association President Victoriano Petina Jr. expressed his gratitude to Rang-ay Bank in behalf of Tay-ac, Rosario La Union Farmers Association.

          Sta Lucia (Ilocos Sur) branch celebrated its 7th Anniversary by donating monoblock chairs to Senior Citizens Association of Sta Lucia last May 31, 2019. Senior Citizen Presidents and Federation Officers from different Barangays of Sta Lucia attended the event. The team led by Area Manager Rowena Rosales together with Candon Branch Senior Manager Rosemarie Rigos, Sta Lucia Branch Manager Ma. Rubelyn Hadoc and Marketing Team turned over the monoblock chairs and discussed the bank’s products and services especially the SSS Pensioner Loan Program for the senior citizens. Office of the Senior Citizens Association(OSCA) President Jose Marquez expressed his thanks to Rang-ay Bank for choosing them as their beneficiary for this project.


          The Board of Trustees of the Rotary PDG (Past District Governor) Rudy Nisce Foundation Inc. hosted the Rotary Club of SFLU meeting held last May 28, 2019 at Oasis Country Resort, San Fernando City, La Union. Some scholars of the foundation were invited to talk namely: Christian Derylle Villanueva, Erica Ballesterol and Chelsea Chan, who expressed their thanks for the financial aid which help them reach their goals in life, providing them a brighter future. Renelyn Estrada, one of the first graduates of the Foundation and now a DepEd Teacher 3, was represented by her husband Harold, likewise a DepEd teacher. She shared her life experiences and how her college scholarship eased their financial burden which inspired her to help others and give back to the community.

The foundation is a tribute to the civic-consciousness and professional excellence of the late Rotary PDG Atty. Rodolfo “Rudy” M. Nisce. As a further tribute, the Rotary Club of San Fernando, La Union dedicates the week of his birthday (May 23) as PDG Rudy Nisce Week.


          Rang-ay Bank held its annual Stockholders’ Meeting at the bank’s Head Office in San Fernando City, La Union last April 28, 2019.

          Chairman of the Board, Ives Nisce recognized the hardwork and dedication of officers and staff in maintaining the status of the bank as the biggest bank in its class in the entire Ilocos and Cordillera Regions with twenty-nine (29) banking offices. The bank also reached another milestone by breaching the P3Billion mark in total resources as of December 31, 2018. Compared to the previous year, the bank posted a growth of 17% in total assets to reach this new plateau.

          Chairman Nisce also presented the bank’s highlights for the year 2018. One is the BSP’s renewal of the bank’s authority as accredited Rural Financial Institution (RFI) for Agri-Agra Compliance. The bank also received the 2018 Balikat ng Bayan National Award from SSS. Other accomplishments are the opening of two branches in San Fernando City and Rosario, La Union and engaging local communities through Corporate Social Responsibility (CSR) projects.

          The bank offers regular and special deposit accounts, time deposits, demand deposits and Kiddie savers deposit accounts to its clientele. The hard work and dedication of Rang-ay bankers under the leadership of its officers, contributed to the bank’s continued growth. The bank’s growing loan portfolio is a concrete manifestation of the bank’s fulfillment of its mission to make credit readily accessible to the countryside. Loans extended to borrowers show lending to agriculture and SME still a large part of Bank's loan portforlio.

          With the continuing trust of depositors & clients, the diligent efforts of officers & staff and the steadfast support of directors & stockholders, the bank is ready to face the challenges of a rapidly evolving economicenvironment.


          The Rural Bankers Association of the Philippines (RBAP), the national association of rural banks, conducted its 66th Annual National Convention and General Membership Meeting with a theme: Bridging the Gap in Financial Inclusion at the Cordillera Conference Hall of the Baguio Country Club, Baguio City last May 20-21, 2019.

One highlight of the two-day event is the annual elections of the RBAP which was conducted by the Electoral Board headed by Ives Nisce.The convention focused on solutions on how to narrow the gap in financial inclusion in the countryside. One of these is the close working relationship between RBAP and the government which will make banking easier. Technology advances also open new opportunities in accelerating rural bank’s ability to deliver financial services to the unbanked. According to BSP, technology widens the reach of rural banks and is a vital vehicle for greater financial inclusion. With the digital transformation of the banking system, the BSP is optimistic that the rural banking industry can emerge as a strong and dependable delivery channel in providing banking services.


          The banking industry is now going through a major shift. More and more banks are starting to see digitalization as the future of banking. Rang-ay Bank understands that technology will be a key success factor to stay competitive and to provide high quality services to its clients in the most comfortable and desired way.

          Rang-ay Bank is now undertaking the parallel run of a new Core Banking System (CBS) provided by Nextbank Software. Rang-ay Bank is improving its system for financial inclusion. The new CBS will enable the bank to offer additional financial services such as mobile & internet banking among others. This decision positions Rang-ay Bank as one of the technology leaders in the countryside.



          Rang-ay Bank continues to celebrate its 63 years of Countryside Banking by engaging local communities with relevant social projects. Three of the twenty-nine branches of the biggest rural bank in Ilocos Region and Cordilleras commemorated their anniversaries by organizing community projects and conducting financial literacy trainings in their local communities.

          Bangar, La Union Branch marked its 7th Anniversary by donating high visibility vests to tricycle drivers of Bangar Tricycle Operators and Drivers' Association (TODA) at Hall of Liga ng mga Barangay, Bangar last March 8, 2019. The objective of the project is to ensure the safety of the tricycle drivers. The Financial Literacy briefing which followed impressed on the TODA members an awareness on the importance of financial management and savings. Rang-ay Bank team was led by Area Manager Winnie Mingaracal together with Bangar Branch Manager Eden Balongcas and the bank’s Marketing Team. TODA President Edward Fiocca, expressed his appreciation to Rang-ay Bank in behalf of the tricycle drivers.


         Candon, Ilocos Sur Branch commemorated its 22nd Year serving the city by donating water dispensers to Candon City Hospital last March 27, 2019. Receiving the donation was Director Archimedes Mercado,MD in behalf of CCH. The bank team was led by Area Manager Rowena Rosales together with Candon Branch Manager Rosemarie Rigos and the HO Marketing Team. Marketing Officer Florence Joy Licudine also conducted a Financial Literacy briefing for the nurses & staff of the hospital to give awareness on the importance of saving for the future.  

         In observance of Balaoan, La Union Branch 13th Anniversary, the branch donated medals as gift to the graduates and awardees of Masupe, Balaoan Elementary School last April 2, 2019. The team led by Area Manager Winnie Mingaracal together with Balaoan Senior Branch Manager Leah Mantilla and Marketing Team introduced Rang-ay Bank and discussed the offered products and services of the bank. The team also conducted a Financial Literacy briefing for the parents, teachers and non-teaching Staff of the said school led by School Principal Connie Orfiano.