Most Disruptive Bank 2026 — BAIPHIL | SME Loan Rates from 0.8% / month | Special Agri Loan Program now available | New Mobile Banking App — iOS & Android | Deposits Insured by PDIC up to ₱500,000 | BSP Supervised & Regulated | 26+ Years of Trusted Banking Service |

About Philippine SME Bank, Inc.

A legacy of trust, integrity, and service to the Filipino people since 1998.

A 26-Year Legacy of Community Banking

Founded in 1998 in Mandaue City, Cebu, Philippine SME Bank, Inc. was established with a singular vision: to provide accessible and responsive financial services to small and medium enterprises, micro-entrepreneurs, and rural communities that have long been underserved by traditional banks.


From a single branch with a handful of employees, we have grown into a nationwide institution with 48+ branches across Luzon, Visayas, and Mindanao β€” serving over 85,000 clients and releasing over β‚±12 billion in loans over the past two decades.


Today, Philippine SME Bank continues its mission of being the financial backbone of Filipino entrepreneurship β€” offering innovative products, digital banking solutions, and personalized services that empower our clients to thrive.

1998
Founded in Mandaue City, Cebu
Incorporated as a rural bank with BSP authority to operate, focused on SME lending.
2003
Microfinance Division Launched
Expanded to serve micro-entrepreneurs and low-income households through group lending.
2008
Agricultural Lending Program
Started offering agricultural loans to farmers and fisherfolk in rural areas.
2015
25th Branch Opened
Nationwide expansion β€” reached 25 branches across Luzon, Visayas, and Mindanao.
2020
Digital Banking Platform Launched
Launched online banking and mobile app to serve clients during the pandemic.
2024
β‚±12 Billion in Loans Released
Milestone: surpassed β‚±12 billion in total loans released since establishment.

Mission, Vision & Core Values

Mission

To provide accessible, responsive, and sustainable financial services to small and medium enterprises, micro-entrepreneurs, and agricultural communities β€” contributing to the economic empowerment of every Filipino.

Vision

To be the leading and most trusted SME bank in the Philippines, recognized for our innovation, financial inclusion advocacy, and positive impact on communities nationwide.

Core Values

  • Integrity & Transparency
  • Client-Centeredness
  • Excellence in Service
  • Financial Inclusion
  • Innovation
  • Patriotism

Board of Directors & Management

Experienced leaders committed to sound governance, strategic growth, and community service.

Example Name
Chairman of the Board
Example Name
President & CEO
Example Name
Vice Chairman
Example Name
Independent Director
Example Name
Corporate Secretary
Example Name
Compliance Officer

Awards & Recognition

2026
Most Disruptive Bank
BAIPHIL
2025
Financial Inclusion Champion
BSP
2024
Outstanding SME Lender
SB Corp Philippines
2023
Best Microfinance Institution
MCPI
Supervised & Regulated by
Bangko Sentral ng Pilipinas (BSP)
PDIC β€” Deposits Insured up to β‚±500,000
SEC Registered
AML/CTF Compliant