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About Us

Our History

RBT Bank (formerly Rural Bank of Talisayan) was established on March 10, 1966 with a modest capital of P200,000 from the Beltran, Alcid and Seriña family led by its founder the late Col. Alejandro G. Beltran Sr. of Talisayan, Misamis Oriental. From the traditional agricultural lending assistance to farmers, fisher folks and employees of government and private sectors, RBT Bank ventured into microfinance banking in 1998 extending loans to small and micro entrepreneurs particularly, women in partnership with the PCFC. It replicates the Grameen banking approach coupled with MABS technical assistance for individual lending.The Bank has grown into a full-pledged microfinance provider covering 2 cities and the provinces of Misamis Oriental, Camiguin Province, Agusan del Norte and Bukidnon. It provides services such as loans and credit, savings, money transfers in partnership with Western Union and micro-insurance through the RBT-MBA with license from the Insurance Commission.

SUSTAINING STAGE
(1966-1975)
The main concern was on sustaining the operations with only 2.7 million assets and reaching out to the target communities. The founders braved all unfavorable conditions just to bring the good news to the needy people.

SURVIVAL STAGE
(1976-1985)
This decade marked the dark years of our country’s history. With Martial Law in enforcement and with an economy that was not promising, the bank steadily continued to be resilient bringing in more assets to 6.6 million.

INNOVATIVE STAGE
(1986-1995)
The rural banking system continued to survive and introduced more innovations in products and services. Assets reach 23 M and Loan portfolio of 17.5 >

EXPANSION STAGE
(1996-2005)
It is in this stage that RBT expanded its operations as evidenced by the branches that were set up in Jasaan and Salay, all in Misamis Oriental. The current assets have reached to 158 million, total loan portfolio of 111 M and has a workforce of more than 108 personnel as of December 2004.

QUANTUM LEAP STAGE
(2006-2015)
The era of modern management using the information technology, opened the gates to global market thereby creating a borderless economy. The issue of bigness and diversification is our greatest challenge of professional management and proper utilization of its resources.

Our Mission and Vision

VISION

A strong and leading bank that creates a difference by adding value to its stakeholders and the communities.

MISSION

RBT BANK is committed to provide excellent services to its clients, giving a fair return to its investors, enhancing the quality and welfare of its employees and a partner in the socio-economic development of the community towards a brighter future.

CORE VALUES

1.     God fearing God centered; an institution that respects and reveres God.

2.     Excellencegiving the best in everything we do; better than before, better than others and better than expected.

3.     Accountabilitybeing responsible to one’s action

4.     Commitmentdedication towards work/assignments; ability to sacrifice personal comfort for the common good

5.     Integrityhaving a sense of honesty and truthfulness; upholding trustworthiness

6.     Thriftcost effectiveness; living within our means; efficient utilization of company’s resources

7.     Professionalismculture of people who takes pride in our work; espouses productivity, transparency and ethical business practices.

8.     Teamworkunity of purpose; working together to succeed

9.     Creativity – ability to think “outside of the box”; innovating to delight our customers

10.    Responsivenessprompt response & awareness to the needs of our clients/organization in the ever changing environment

THE BOARD OF DIRECTORS

Chairman CHRISTOPHER C. BELTRAN
Chairman
Vice-Chairman JONATHAN C. BELTRAN
Vice-Chairman
Director / President / CEO WILNER A. PALACIOS
Director / President / CEO
Director / Vice-President / Treasurer CESAR G. MAGALLANES
Director / Vice-President / Treasurer
Director EMMANUEL B. LIUSON
Director
Independent Director ALONZO T. CHIONG
Director
Independent Director

CARMEN L. KU
Independent Director