RURAL BANK OF SAN JOSE (C.S.) INC.

BANK HISTORY
On January 24, 1974, the Central Bank of the
Philippines authorized under Certificate of
Authority Number B630 the establishment of
the RURAL BANK OF SAN JOSE (C.S.)
INC. with the principal place of business at
San Jose, Camarines Sur.
The Rural Bank's Articles of Incorporation
and By-laws were registered with an initial
capital stock of Php 1,000,000.00 with the
Securities and Exchange Commission under
Registration No. 0054357 on January 24,
1974.
On April 05, 1974, the RURAL BANK OF
SAN JOSE (C.S.) INC. formally opened it's door to the public.
Merit Award was given by BSP to the Rural Bank of San Jose (C.S.), Inc on July 30, 1983 for
being among the ten best managed Rural Banks within the region.
Naga branch office was established on May 1998 in Naga City to extend its service to more clients
and compete with the industry's best.
On September 21, 2012, A new branch was again established at Lagonoy, Camarines Sur to serve
the countryside clients and the unbanked majority.
 Rural Bank of Pola, Inc
NAGA CITY — The Rural Bank of Pola,
Inc. has been adjudged one of the best and
most stable of all rural banks in the country
by the LandBank of the Philippines (LBP)
throughout its existence, as this year, it
brought home the Golden Award for Rural
Banks “for sustaining highly sound and
profitable operations and for being one of
Landbank’s most effective and active
partners in its countryside delivery and for
maintaining its outstanding performance in
helping fast track progress for the benefit of
clients and the community it serves.”
Secretary of Finance and concurrent Chairman of Landbank Cesar Purisima, together with
LandBank President and CEO Gilda E. Pico, awarded the trophy and cash prize to RBPola to
which the institution is entirely grateful.
Thirty-nine years since June 24, 1971, the Rural Bank of Pola, Inc. finds itself laden with
recognition and a brighter future tracing back to its foundation in Pola, Oriental Mindoro. After
almost four decades, the Bank already has 11 branches all over the Philippines with another about
to open its doors on September this year in Legazpi City, Albay.
In 2005, it was awarded by the LBP as the Most Outstanding Rural Bank of MIMAROPA and was
named as the fifth among the list of Most Outstanding Rural Bank of the Philippines.
Year after that, the bank had a tremendous growth and leaped from being the fifth to becoming the
Most Outstanding Rural Bank in the Philippines. It also maintained its title as the Most
Outstanding Rural Bank in MIMAROPA. It was also named as the Best Rural Bank in Capital
Build-Up during the same year.
In 2007, the Bank was elevated by the LBP to the Most Outstanding Hall of Fame as one of the
Outstanding Countryside Financial Institutions (CFIs).
Most of its successes can be traced to its being close to the hearts of the common people, the masa,
according to Naga branch manager Richie L. Bonacua.
EastWest Rural Bank

EWRB (formerly FinMan Bank, Inc.) consolidates, through an asset acquisition, effective
November 1, 2013 the rural banking business of the two rural banks that EastWest earlier acquired,
namely FinMan Bank, Inc. and Green Bank, Inc. FinMan Bank is a 16-year-old rural bank based
in Pasig City and engaged in extending credit to farmers, tenants, and rural enterprises. EastWest
injected a total of P520 million in fresh capital into EWRB subsequent to the regulatory approval
effective May 21, 2013 on the latter’s increase in authorized capital stock from P80 million to P1
billion.

On October 31, 2013, EWRB acquired the good assets of Green Bank, Inc. (also known as the
Rural Green Bank of Caraga), the largest rural bank in the Caraga Region in terms of assets. Based
in Butuan City, Agusan del Norte, Green Bank has been serving the needs of mostly farmers,
government and private employees, barangay officials, pensioners and small-scale businessmen.
Through Green Bank’s strong branch network in the Visayas and Mindanao, EastWest is able to
gain entry into the microfinance business.

The Birth of EastWest Bank

Established on July 6, 1994, EastWest Bank was the first recipient of a commercial banking
license after the central monetary authority liberalized banking in the mid-1990s. Its first
branch was opened along Sen. Gil Puyat Avenue in Makati City on August 1, 1994.

Its name is the result of the bank's desire to combine the traditional prudence, warmth and
hospitality of the East and the efficiency and progressive-thinking of the West.

Since then, EastWest Bank has made its presence known in the banking industry through
steady growth. The bank offered products and services via traditional and alternative
delivery channels, and opened more branches to make banking accessible and convenient
for its clients. It later introduced internet banking facility to expand delivery channels for
its products and services.

EastWest is a subsidiary of the Filinvest Development Corporation (FDC), one of the

Story of Unprecedented Growth

At the dawn of the new millennium, EastWest took advantage of acquisition opportunities.
The bank acquired Ecology Savings Bank, Inc. in August 2003 and became the sixth largest
credit card issuer and one of the largest in auto financing when it acquired AIG PhilAm
Savings Bank (AIGPASB) in 2009. Two years later, it further expanded its branch network
when the bank acquired Green Bank of Caraga, Inc. in August 2011.
 2012 was a pivotal year as new strategic plans began to take shape. EastWest became a
publicly-listed bank in May 2012. Through an initial public offering, the first by a
Philippine bank in eight years, the bank raised around Php4.8 billion. The next two months
saw other major milestones: EastWest acquired Finman Rural Bank, Inc. in June, which in
2013 became EastWest Rural Bank, Inc., and received the approval of the Bangko Sentral
ng Pilipinas to operate as a universal bank in July. The universal banking license allowed
EastWest to offer a wider range of financial products and services.

It was also during this year that EastWest moved to its current corporate offices in
Bonifacio Global City in Taguig, and started to refer to its branches as stores which serve
as one-stop-shops that satisfy the financial needs of customers with a complete line of
financial products and services.

From 2012 to 2015, the bank aggressively expanded its nationwide footprint, opening
stores at an unprecedented pace and becoming known as one of the fastest growing banks
in the country.

Alongside the aggressive geographic expansion, the bank beefed up its capabilities to serve
customers better. It strengthened its IT infrastructure and explored growth opportunities,
including acquisitions, partnerships, and joint ventures to build the scale necessary to be
able to compete more effectively.

In 2014, EastWest upgraded its core banking system to the more robust Temenos T24 to
support its growing operations and improve service quality and delivery. The following
year, it raised Php8 billion in additional common equity tier-1 capital through a stock rights
offer. It also ventured into allied financial businesses—insurance brokerage and
bancassurance—to provide a wider range of products and services and to make access to
insurance and protection products more convenient for customers. Its wholly-owned
subsidiary EastWest Insurance Brokerage, Inc. was registered and started operations in
2015. That same year, the bank signed a 50-50 joint venture agreement with Ageas
Insurance International NV, Belgium's leading insurer, to form EastWest Ageas Life
Insurance Corporation. EastWest's bancassurance joint venture started operations in 2016
as Troo.

In 2016, the bank set up its wholly-owned financial leasing subsidiary, EastWest Leasing
and Finance Corp., and acquired the retail banking business of Standard Chartered Bank
Philippines which included credit cards, personal loans, wealth management, and retail
deposits. The acquisition solidified EastWest's position as the fifth largest credit card issuer
in the industry with over a million cards-in-force.

A Renewed Brand

In 2011, EastWest Bank set out on a rebranding exercise. The current brandmark
symbolizes renewal and fresh growth, and relationship between the bank and its customers.
With a refreshed brand, EastWest set out to continue delivering its vision of becoming a
world-class bank anchored on service excellence in its chosen markets.
 The bank wants to be known for having an excellent brand of customer service, relevant
products that meet the customer needs and having the most engaged and loyal customers
and employees.

With steadfast commitment to make "Your Dream Our Focus," EastWest continues to
develop innovative products and services and alternative delivery channels that cater to the
diverse and evolving needs of its clientele.

Fast Forward

Over a span of 20 years, EastWest emerged as one of the fastest-growing and most
consumer-focused universal banks in the Philippines. Its nationwide network of 447 stores
to date, including EastWest Rural Bank, is the 5th largest store network, excluding
subsidiaries, and 7th overall, including subsidiaries, in the industry. Complementing this
vast footprint are its 24/7 channels: 580 EastWest ATMs, EastWest Online, and EastWest
Customer Service.

It is currently the 10th largest privately-owned domestic bank in terms of assets, fifth
biggest credit card issuer, and the fourth largest auto loan provider in the country today.
Full steam ahead, the bank maintains its strategic focus on consumers, middle market
corporates, and the mass affluent.

EastWest is set to leverage its stronger foundation and maximize its capabilities to advance
customer service excellence and create additional long-term value for its customers,
investors, and the communities it serves. As it looks to the future with confidence, driven
by big aspirations to ultimately become a world-class bank anchored on service excellence
in its chosen markets, EastWest is committed to continuously invest in people and in
process, product, and service enhancements, and embrace new ideas to enhance the
EastWest experience.