EXCEEDING YOUR EXPECTATIONS

CORPORATE PROFILE

Table of Contents

Financial Highlights

Message to the Shareholders

A Look Back

Operational Highlights

Corporate Social Responsibility

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Board of Directors

Senior Management

Products and Services

Branch Directory

We are committed on our role in nation building and its progress based on the free individual

citizen working in a free economy. We will help bring the community together and to develop the

individuals with the community.

We aim to provide our valued customers with quality banking services. Our personalized service

will be quick and friendly, with prudence in handling all assets entrusted to us. We will support our

clients in all aspects of their business because we recognize that our growth is directly dependent

on our customers.

We will provide our employees with professional and personal development through productive,

efficient and challenging work, a fair merit system, development programs and competitive

compensation that reflects the amount of quality of their work.

We pledge to our stockholders a fair return on their investment and to safeguard their capital

through prudent policies and practices. In all our undertakings, we will act with fairness and in honor.

Our goal is quality service to the people we serve—out clients, our stockholders our community.

To strengthen leadership in regional development banking by providing the community we serve

with efficient, responsive and excellent quality of products and services.

Vision

Mission

Values• Total personnel care

• Total personal commitment

• Total banking (product) knowledge

• Total quality customer service

TWO YEAR PERFORMANCE

FINANCIAL HIGHLIGHTS

(IN MILLION PESO)

* SGV audited figures

2013 2012

Results of Operations

Gross Income 337.36 294.22

Total Expenses 300.17 291.84

Net Income 37.8 2.37

Financial Condition

Total Assets 3,785.32 3,007.07

Loans and Receivables 2,605.88 2,009.51

Total Liabilities 3,120.74 2,392.15

Deposit Liabilities 2,986.70 2,228.72

Total Equity 664.58 614.92

Per Share

Basic/Diluted Earnings Per Share 10.49 0.38

Book Value Per Share 183.29 155.57

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LDB’s stated focus areas until 2017 are the following:• Growth of our core bank deposit base;• Expansion of our loan portfolio;• Reduction of non-performing assets;• Improvement of operating efficiency; and• Enhancement of credit controls.

The emphasis on these key areas was vindicated on the very first year of the plan’s implementation. LDB attained an impressive asset growth rate of 25.9% that outpaced the local industry average of 15.7%.

This surge occurred in concert with a reexamination and improvement across your bank’s range of major business activities. The organization implemented initiatives and innovations geared towards strengthening LDB’s capability and enhancing operational efficiency. Consequently, non-performing loans level was decreased significantly by 20% over the previous year.

Milestone after milestoneWe believe LDB’s performance in 2013 was best represented by its P37.18 million net income – its highest figure since 2008 – via a remarkable 1,243.6% growth vs the previous year. As impressive as our net income was, it could have been substantially higher had we not prudently set aside a substantial provisioning for probable losses.

Furthermore, LDB bucked the low interest rates that hobbled the industry last year to come up with a net interest income growth of 18.7%. Contributing to this were the significant increases in loans granted to SMEs and consumers. These boast higher margins borne by reduced sensitivity interest-rate changes. Meanwhile, your bank tripled its automotive loans portfolio from P185 million in 2012 to P524 million by end of 2013.

Increasing shareholder value We worked hard to preserve and further build up LDB’s financial standing to advance shareholder value. Total resources grew by 25.9% to reach P3.79 billion yearend 2013 – outpacing the industry average of 15.7%. Asset buildup was fueled by an impressive 34.0% climb in deposits from P2.23 billion to P2.97 billion.

DEAR FRIENDS,

Strengthening and growing your bankAfter more than half a century of service, Luzon Development Bank (LDB) has embarked on a new medium term plan that has begun to show early results. We believe that this is the right time to reach out to you our shareholders as your bank starts the next chapter of its upward trajectory and growth. Five-year plan yields significant growthIn 2013, LDB not only sustained its growth momentum but exceeded it, along with management expectations. We delivered some surprising figures across all fronts of activity that were milestones even when put against the rest of the banking industry.

LDB’s sterling performance was a product of putting our newly minted five-year strategic business plan to work. Our plan had very focused goals to bring LDB up to speed in a highly competitive industry.

Lending activities increased by 30.35% year on year to P2.6 billionYour bank’s 16.16% capital adequacy ratio (CAR) remained one of the highest in the industry – significantly above the minimum 10 percent required by the Bangko Sentral ng Pilipinas. Non-performing loans (NPLs) were reduced by P40 million to P155 million, consequently improving our ratio to 7% from 12% in 2012.

Meanwhile, LDB’s total operating income grew significantly by 18.7% to P245 million, owing to a stable base of accrual income, expansion of our loan portfolio and other earning assets, plus the ability to source funds at relatively lower cost. Your bank continued to reap gains from its continuing expense rationalization program – highlighted by branch realignments and manpower productivity measures.

New approaches to customer relationshipsDuring the year, LDB continued to improve its delivery of product and service solutions more keenly attuned to the evolving needs of its clients. Your bank became a member of the Philippine Clearing House Corporation (PCHC), which made improved our clearing cut-off time – now at par with bigger banks.

LDB is also now a proud member of BancNet, and is now directly capable of acquiring and issuing electronic transactions. Other services like ATMs, point-of-sale (POS), Internet banking, and mobile banking are now available to our valued clients as we are now on line. To reward our customers for their continued loyalty, we ran a sales promotion in early 2013. Clients who open an account or at least add to their existing deposits earned raffle tickets.

Forward to the futureEven as we have already realized gains from our five-year plan, we remain confident in sustaining our growth momentum well into the future. If anything, the positive changes registered in 2013 have primed us for new and even bigger things ahead.

Despite global economic uncertainty, LDB looks to the future with fresh optimism – armed with our range of achievements in terms of products, service delivery, customer relationships, and operating and financial efficiency.

Now with 40 branches covering Metro Manila, the Calabarzon region, and beyond, LDB remains steadfastly committed to growth along its road to tomorrow – anchored on the aforementioned five focus areas. Throughout our journey, we have counted upon the humbling, unwavering loyalty and confidence of our customers and shareholders, for which we are profoundly grateful. We are also thankful to our employees who remain committed in pursuing the bank’s vision. Sincerest gratitude is also due our board of directors for their valuable support and guidance in all our undertakings.

Here’s to realizing all the promises of tomorrow for LDB and all of us.

FELIX K. LIMCAOCO IIIChairman/Chief Executive Officer

NORMAN V.C. AYCOCHOSVP/Chief Operating Officer

MESSAGE TO SHAREHOLDERS

FELIX K. LIMCAOCO IIIChairman/Chief Executive Officer

NORMAN V.C. AYCOCHOSVP/Chief Operating Officer

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FELIX H. LIMCAOCO, JR. (1930 – 2011)Chairman Emeritus

Laguna was a very different place in 1960. Much of it was a verdant expanse of sugar or rice lands – huge swaths of uninterrupted space compared to the bustling commercial, industrial, and tourism destination it is today. Prosperous planters fueled the early growth of towns and cities of what is now region 4a, the CALABARZON.

That Laguna half a century ago clearly held infinite promise – in part born of its close proximity to Metropolitan Manila. Still, the province needed an added push towards financial viability and independence. Wheels of industry needed to be oiled.

Only visionary minds clearly divined the massive potential of the region – as in the case of founder Rene Limcaoco, his father sugar planter Felix Sr., and younger brother Felix Jr., Dolores Santos, Dr. Leon Castillo, Amparo Hocson, and Don Eduardo Barreto – who deemed it not only appropriate, but extremely essential to establish a bank that would keenly address the requirements of Laguna’s hardworking people. In those days, all of the action for big-name banks lay in Manila and its thriving enterprises. It took a fair amount of risk and determination to look southward

with a new bank. They named the bank LDB, short for Laguna Development Bank.

Almost in no time, the bank was an institution and a standard. Your bank became the largest private development bank in the country. Felix “Bing” Limcaoco Jr was the president and the bank started to dream even bigger – reaching more people and enabling them to realize their own aspirations: agricultural projects, small- and medium-scale industries, commercial establishments, homes and cars, or simply a better future for themselves and their loved ones. This is an enduring testament to the organization’s clarity of purpose as well as an unwavering commitment to positively influencing the lives of more Filipinos.

After finishing his course in electrical engineering at the University of the Philippines and a Masters Degree from Cornell, Limcaoco placed fourth in the 1952 board examinations. However, your bank’s future chairman emeritus would venture into banking rather than a profession that tapped his formal education. He had a stint with the Philippine National Bank’s management ranks, then further honed his skills by taking up industrial finance in London School of Economics on a Colombo scholarship.

Along with an innate skill, the training further honed Limcaoco’s acumen in banking. LDB’s operations and strategies were then, as they are now, founded on simple yet powerful values he defined. Teamwork. Trustworthiness. Tenacity.

Laguna was an entirely different place at the onset of the 60s. Back then, much of the province was composed of vast sugar and rice lands and huge swaths of uninterrupted space, totally different from the bustling commercial, industrial, and tourism center that it is today.

A LOOK BACK TO BEGINNINGSAND A LEGACY OF BANKING WISDOM

RENE H. LIMCAOCO (1928 – 1963)Founder

“TEAMWORK. TRUSTWORTHINESS. TENACITY.”

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At the crux of it all is what is now our key competitive advantage – our personal, friendly touch. Our late chairman emeritus Felix Limcaoco Jr.’s command to “bring the bank closer to the people” resonates no less clearly today as when he first uttered it decades ago. LDB, he had also said, should also be always conscious of our responsibility in nation building – of “achieving economic growth translatable in terms of social, regional, and human improvements.”

Your late chairman emeritus also had said: “To be an effective tool in nation-building, a bank should be a catalyst in the action of the various factors of production, such as capital, labor, etc. This way, a bank helps make development faster because people are able to avail of long-term credits.”

“Normally, people don’t invest until they see that it’s a sure thing. After a while, we were able to convince them. When they see that you’ve put in good money and, with good earning and dividends records, people start investing on their own volition,” Limcaoco had declared during a 1970s interview for a nationally circulated newsmagazine.

Felix “ Bing” H. Limcaoco’s presence was felt at LDB for almost 50 years, until he passed away in 2011.

Pillared on these tenets, your bank found its stride. Starting with 10 staff in one location (Calamba), and today boasts a network of 40 branches all over Metro Manila and Luzon, with a focus on CALABARZON. To better reflect its expanding territory, your bank was rechristened LDB - Luzon Development Bank.

A LOOK BACK TO BEGINNINGSAND A LEGACY OF BANKING WISDOM

Still growth without maintaining quality of service rings hollow. Thus, LDB continued to commit to “providing valued customers with quality banking services” – services that distinguished the bank from bigger competitors because they were personalized, quick, and friendly.

In addition, LDB displayed its trademark prudence in handling all assets entrusted to it – realizing that the institution’s “growth is directly dependent on our customers.”

Most importantly, your bank’s continued success is a heartening indicator of constant trust by a growing community of clients that we serve. Fifty-three years on, we remain grateful of this, and do not take it lightly. LDB continues to find ways to meet the

evolving needs of our customers. As Laguna, Luzon, and the whole country prosper, we vow to always be ready to serve as best as we can.

Today, LDB continues to dream of bigger things even as record growth in all fronts was realized in 2013. These results vindicated a comprehensive five-year strategic business plan that brings the bank up to par with industry standards while maintaining its key competitive advantage in knowing the region and its people better than any competitor.

Our unique heritage and position in industry and society helps LDB better appreciate its role in giving a helping hand to our neighbor – whoever and, now, wherever they may be.

“GROWTH IS DIRECTLY DEPENDENT ON OUR CUSTOMERS.”

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were made. We proactively joined town fiestas and other community activities – connecting to the people who have always been at the core of our business. LDB reached out to them in Laguna, Batangas, Cavite, and Metro Manila.

To better reflect our renewed vigor and focus, LDB embarked on an image-building program – piggybacked on the creation of a new bank logo that was depicted in all 40 branches. A common “identity wall” was put up as the tellers’ backdrop, along with a so-called “heritage wall” throughout the network of branches.

Continued efforts were undertaken to re-energize the branches’ capability as primary distribution channels for loans by creating dynamic product streamers auto, housing, and business loans. Closer collaboration between the branches and other business units improved cross-selling of consumer and business loans.

To a great extent, this holistic effort was a tangible beginning of a new way to value customer relationships across the institution.

CONSUMER BANKINGConsumer lending reached new heights in 2013, as LDB’s consumer

loan portfolio grew by 40.12%. Your bank capitalized on the favorable prevailing interest rates during

the year, that spurred auto loan borrowings.

RENEWED VISION YIELDS SUCCESS IN ALL AREAS

Our efforts at taking a long hard look at your bank and its operations were vindicated. Coupled with the initiation of a five-year, five-pronged business strategy to grow our core bank deposit, expand our loan portfolio, reduce non-performing assets, improve operating efficiencies, and enhance credit controls, LDB delivered growth on all fronts.

This is thus the overriding theme of operations – reflected in the numbers we mustered in 2013.

BRANCH BANKINGYour bank’s sterling 2013 performance was mainly propelled by the

growth of our branch banking segment, whose deposits increased by 34% as evidenced by average daily balance. We surpassed last year’s total deposits growing from P2.22 billion to P2.98 billion – a result that was also achieved by leveraging our 52-year experience and lasting relationships in the areas we operate in the increasingly progressive Calabarzon area.

We also launched an internal deposit campaign in the first term of 2013, which brought about an estimated P757.99 million in new funds. This set the pace for consistent deposit growth of deposit up to yearend 2013.

To improve customer experience and LDB’s overall penetration of high-growth areas, new initiatives to heighten awareness of the bank

OPERATIONAL HIGHLIGHTS

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OPERATIONAL HIGHLIGHTS

In 2013, the Business Development Division (BDD) underwent reorganization to enable it to focus on market and business development. In particular, the credit evaluation function was spun off to a separate unit. Continuous improvements in credit processing and documentation were also undertaken to make sure that the BDD is in a better position to meet market demands.

ASSET MANAGEMENTLDB aggressively worked on various strategies in reducing the number

of foreclosed properties. The upswing in the real estate market, coupled with the implementation of new programs and strategies, enabled the bank to dispose of P157.9 million in ROPA in 2013.

REMEDIAL MANAGEMENTThe bank continued to make significant headway in reducing non-

performing loans in 2013 – slashing from 8.8% to 6.9% due to aggressive collection efforts, enhancement of credit policies, and the realignment of credit functions to improve management of distressed accounts.

The bank continued to adopt a proactive stance by conducting portfolio review and stress testing of loan accounts to determine which clients were vulnerable to negative developments. For those with no clear prospects of business recovery, foreclosure and dacion en page arrangements were promptly instituted.

Car loans booked jumped 183% from the beginning of 2013, on the strength of improved turnaround time, sales-channel optimization, and an internal sales incentive referral program.

Meanwhile, we stepped up marketing efforts and realized/strengthened synergies with key business partners. The end result is to make consumer loans more accessible to the target market.

CORPORATE BANKINGLDB’s business loan portfolio grew by 29.91% as the bank’s Business

Development Division (BDD) embarked on an aggressive marketing and credit risk management strategy that emphasized generating new partnerships, strengthening existing relationships, and improving lending infrastructure.

During the year, the bank focused its efforts on improving presence in the small- and medium- enterprise (SME) market. Loans to SMEs grew by 24.8% from P637 million to P795 million – achieved through focused lending activities, a comprehensive approach in account management, and new account acquisitions.

Your bank prioritized credit requirements of businesses belonging to the agricultural and commercial sectors – further enhancing LDB’s reputation as a proactive and dependable business partner for their financing requirements.

CONTROLLED CLIMATE SYSTEM HOG GROWING HOUSE

CONTROLLED CLIMATE SYSTEM POULTRY FARM

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CORPORATE SOCIAL RESPONSIBILITY

Caring for Young People through the Limcaoco Foundation

Foremost in the minds of the founders of Luzon Development Bank is the responsibility it holds towards the community. More than financial gains, the company is guided by the principle of working for the good of the greater majority. Working closely with the Limcaoco Foundation, LDB has centered its CSR projects on the young, as it is the youth who are the promise of the future.

The Limcaoco Foundation provides health and education assistance to young, deserving people of the CALABARZON area. It was Dr. Felix T. Limcaoco, Sr. who planted the seeds of the foundation. He was a doctor by training but spent most of his efforts developing sugar plantations in the Laguna province. Upon his passing, his son Felix Limcaoco, Jr. took over the reins of the foundation.

There are four major projects of the Limcaoco Foundation: The Angels in Heaven Elementary Classes, The Cabuyao Children’s Center, The HOPE Program, and The Reading Habit: Learn To Love Reading At An Early Age.

ANGELS IN HEAVEN ELEMENTARY CLASSESThrough the assistance of the Angels in Heaven Elementary School, the Limcaoco Foundation sponsors 2 Kindergarten classes with a maximum of 25 students per class. This is open to lower-income families. One good feature of this project is the active participation of the parents in all school activities as education is not only the responsibility of the school but the parents as well.

THE CABUYAO CHILDREN’S CENTERThe ancestral home of the Limcaoco’s is now the center of learning for children of all ages. Currently, it is the home of the two kindergarten classes of Angels in Heaven Elementary School and the Children’s Library.

THE HOPE PROGRAMThe Limcaoco Foundation also cares for out-of-school youths with the help of the HOPE Program (Holistic Professional Excellence) Training Program. This aims to teach the out-of-school-youth with skills to help them find a job and likewise to mold them to become responsible and productive members of society and their family. Structured learning is provided through a seminar-workshop in Professional Attitude, Character Team Initiative and Values Enhancement. To complete the holistic learning model and to give them a competitive advantage, a Basic Communication Skills Training is also provided.

THE READING HABIT:LEARN TO LOVE READING AT AN EARLY AGEThe new forms of media and entertainment have encroached on the position that Reading once had. Reading once provided the main bonding moment between parents and children. Parents then would put their children to sleep by reading a fairy tale.

Knowing the importance of reading, the Limcaoco Foundation launched the Reading Habit Project. This is a reading class held thrice a weekly at the Cabuyao Central Elementary School. Story telling, vocabulary retention, read-a-thon contest, reading comprehension are some of the highlights of the project.

Furthermore, the ancestral home of the Limcaoco’s houses the Reading Room that provides underprivileged children access to classic and contemporary books and other developmental forms of learning.

Corollary to these four main projects, the Limcaoco Foundation takes care of the members of its community by being one of the first responders when disaster strikes like the Habagat in 2012. Relief goods were immediately distributed to the affected barangays and their families.

One’s success in business is not only measured in net profits; but more so about how much one has given of oneself to the community it serves. Definitely, Luzon Development Bank has succeeded and exceeded expectations.

ANGELS IN HEAVEN ELEMENTARY CLASSES

THE HOPE PROGRAM

THE CABUYAO CHILDREN’S CENTER

THE READING HABIT:LEARN TO LOVE READING AT AN EARLY AGE

RELIEF GOODS WERE IMMEDIATELY DISTRIBUTED TO THE AFFECTED BARANGAYS AND THEIR FAMILIES AFTER HABAGAT 2012

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Front row: JOSE ANDRES A. LIMCAOCO, Director/Corporate Secretary; ANTONIO L. LIMCAOCO, Vice Chairman;and ISIDRO L. HEMEDES JR., Independent Director; Back row: ATTY. DON D. VILLAMAYOR, Director; TOMAS V. CLEMENTE JR., Independent Director; and JOSE MARIE L. RAMOS, Director/Corporate Treasurer

Front row: FELIX K. LIMCAOCO III, Chairman; and ATTY. RENE K. LIMCAOCO, DirectorBack row: DR. LEONIDO C. CASTILLO, Independent Director; DR. FRANCISCO L. ROMAN, Director; and OSCAR S. RAMIREZ, Director

BOARD OF DIRECTORS

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SENIOR MANAGEMENT

SVP NORMAN VIC C. AYCOCHOChief Operating Officer

SAVP MELISSA M. BAROAssistant Corporate Secretary, Head, Legal Documentation

MGR DENNIS D. YSON Head, Collection

SAVP MERCEDES B. MARGALLOChief Legal Counsel and Head, Legal Department

SAVP FRANCISCO A. CAPARAS Head, Accounting

SAVP EDWIN I. MAGHIRANGBusiness Center Head, Laguna

MGR DOMINIC O. LIMHead, Information Technology

SVP CAESAR M. LEOPANDOHead, Business Development Division

SM ARNEL P.CAMPOSHead, Treasury

SAVP LEODEGARIO B. TUMLOSHead, Credit Management Department

SAVP LUNINGNING C.BELEN Chief Compliance Officer

SAVP FERLAN A. BALBIDOHead, Branch Banking

MGR CESAR D. HERRERO Head, Admin

SM LENY A.UBANAHead, Internal Audit

MGR DINA R. LUPIGHead, Management Information System

AVP FEDERICO B. CASTILLOHead, Credit Services Department

AVP ELVIRA L. MALIKSIArea Head, Batangas

AVP RANDY C. CARTABIOBusiness Center Head, Batangas

AVP MARILYN V. SILVAArea Head, Laguna

AVP MA. CLARITA D.NUEVOHead, Human Resources

AVP CESAR D. NAPALLADHead, Acquired Asset

AVP DEANNE K. ENCISOBusiness Center Head, Cavite and Makati

AVP YLETTE D. RENTEROArea Head, NCR and Cavite

AVP ROBERTA S. REMOLACIOHead, Branch Operations

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PRODUCTS AND SERVICES

DEPOSIT SERVICES

Regular Savings Account – Savings Account is an interest-bearing deposit account evidenced by a passbook, subject to withdrawal slip and passbook. The required initial deposit is P500.00; maintaining balance is P100.00; required Average Daily Balance (ADB) to earn interest is P3,000.00.

Business Savings Account (BSA) – These are Savings Deposits that offer high interest in form of bonus rate provided that the average daily balance (ADB) level for each type is met. These are alternatives to Time Deposit, which are made available for people in business and high net worth individuals.

FLEXI Savings Account – Flexi Savings is a deposit account, which offers a premium rate provided that no withdrawal is made over a period of time. The covering dates of non-withdrawal to the account to earn premium rate is called Incentive Period. Flexi Savings is evidenced by a passbook. The required initial deposit is P100,000.00 and the minimum incentive period is 60 days.

Variable Earner Savings Account – A peso denominated savings account evidenced by a passbook. Clients can enjoy competitive rates of a term placement and the flexibility of a savings account. Client can deposit anytime, withdraw three (3) times a month without incurring service charge(s), and earn higher interest as account balance grows. It can be opened thru personal accounts or non-personal accounts. Minimum deposit requirement is P20,000 for personal accounts and P50,000 for non-personal accounts.

Young Earner Savings Account – A fixed interest bearing savings deposit for children 12 years old and below evidenced by a passbook. This product will help to develop savings consciousness and thriftiness at a young age. Initial deposit requirement is P100 with an interest rate of 1.0% pa.

Regular Time Deposit (TD) – Are funds deposited in the bank with definite maturity date, earn interest and evidenced by a Certificate of Time Deposit (CTD) issued to the depositor. Interest is paid upon maturity and rates are graduated according to the placement period prescribed by the Bank. Minimum required deposit is P5,000.00. Rates to be applied shall be in accordance with Board Rates. TD placement less than 30 days shall not be accepted.

Time Earner (Repriceable) Time Deposit – A long-term non-negotiable (tax exempt) peso denominated time deposit with a term of five (5) years and one (1) day, repriceable semi-annually or annually depending on the amount of the deposit. Interest earned is credited monthly to client’s assigned savings account and it is evidenced by Time Earner (Repriceable) Certificate of Time Deposit. Minimum deposit requirement is P50,000.00.

Current Account (CA) – A non-interest bearing peso demand account, which is the major source of low cost funds for the Bank. This is offered to individuals or entities for personal or business use. Because of the manner of withdrawals and complexities in operating this type of account, strict monitoring and control is required. In establishing new current account, the character, integrity and business reputation of the client must be determined and reciprocal business offered by the account must also be considered.

Initial deposit and maintaining balance for regular CA is P5,000.00.

A reciprocal savings account may be opened with Automatic Fund Transfer Arrangement (AFTA). Initial deposit and maintaining balance for CA with AFTA is P2,000.00.

Managers Check - check issued by the bank used mainly for disbursing proceeds of loan or to a third party named customer.

ATM and Debit Cards - payment card extended to clients which enables the customer to transact deposit, withdrawal, bills payment and other types of banking transactions through interbank networks

CREDIT AND LOAN PRODUCTS

The Bank’s loan portfolio concentration has always been focused on Small and Medium Enterprises (SMEs). It has provided substantial support to this sector more than the government’s mandatory requirement of at least 6% and 2% of the Bank’s total loan assets for small and medium enterprises respectively. SMEs refer to any activity or enterprise engaged in industry, agribusiness, trade or services, whether /Individual/single proprietorship, partnership or corporation, with total asset size falling under the following categories:

Revolving Credit Line – Revolving Credit Line Facility may also be made available to SMEs on short-term basis. This will enable the entrepreneur to bridge temporary shortfall in cash flows and avoid disruption of day-to-day operations of the business

Consumption Loan – Loans may also be extended to individuals or businessmen who need funds for personal use. This is also secured by acceptable collateral

Industrial Loan – These are medium or long term loans granted to finance acquisition of fixed assets relative to the establishment or expansion of industrial or agro-industrial projects or any business related to production of goods and services.

Real Estate Development Loan- Credit facility extended to buy real estate, prepare it for construction and erect houses.

Agricultural Credit – Includes all loans granted to borrowers, whether beneficiaries of agrarian reform or not, to finance activities relating to agriculture; processing, marketing, storage and distribution of products resulting from these activities.

Home Loan Credit Facility – Is a credit facility specifically design not only for Housing loans but also caters acquisition of house and lot, h ouse construction and refinancing of existing housing loans with other banks.

Auto Loan - a credit facility designed for acquisition of brand new or secondhand motor vehicles for personal or business use.

Purchase Agreement-Contract to Sell – This is a credit facility extended by the bank to real estate developers to finance their receivables covered by Contracts to Sell (CTS) with the different buyers/end users, whose purpose is the acquisition or purchase of house & lot or lot. In this facility, the bank will purchase the developer’s receivables/CTS at a discount covered by a Purchase Agreement. In this credit facility major considerations must be given to both the developers and the existing buyers or end users. The account officer must undertake all requisite credit investigations, financial & credit analysis relative to stability, soundness and profitability of the developer and the paying capacity of the end users/buyers. This can be entered into either with or without recourse between the bank & the real estate developer.

Consumption Loan: “Salary Maximizer” – A credit facility designed to finance all the personal needs of executives and employees of the accredited business enterprises or companies termed as “Salary Maximizer”

Microfinance – Microfinance are small loans granted to the basic sectors, on the basis of the borrower’s cash flow and other loans granted to the poor and low-income household for their micro enterprises and small businesses to enable them to raise their income levels and improve their living standards.

Back-to-Back Loans – The Bank offers back-to-back credit facility to its depositors. The loan is fully secured by assignment of deposit. This is being encouraged considering that assets and liabilities of the Bank are fully utilized at minimum risk.

Bills Purchased Line – Clean – Bills Purchased (BP) line is a type of quick and clean credit accommodation. It represents the purchase of clean bills, i.e., checks, drafts and other similar instruments, proceeds of which are credit to the customer’s deposit account as clear funds.

DepEd Automatic Payroll Deduction System for Public School Teachers – A multi-purpose salary loan program offered to public school teachers and non-teaching personnel of the Department of Education where monthly loan amortization is assured by DepEd under its Automatic Payroll Deduction System (APDS).

MISCELLANEOUS SERVICES

1. Remittance Services – Western Union, TetNet

2. ATM Services – Bancnet

3. Norkis Payment

4. PLDT, Smart, Smart Bro Payment

5. Globe, Innove Payment

6. Royal Cable Payment

7. BATELEC

8. PhilHealth

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RATE PROFILE 2013

NUEVA ECIJA

GAPAN JPM Bldg., Maharlika High-way Brgy. San Vicente Gapan City, Nueva EcijaT: 044-486-0257 604-0098

METRO MANILA

LAS PIÑAS 577-A Alabang-Zapote Road, Almanza Uno, Las Piñas City T: 02-478-6438 738-1165

MARIKINA J.P Rizal St., Brgy. Sta Elene, Marikina City T: 02-945-5154

MUNTINLUPA Corronado Bldg., Tunasan, Muntinlupa City T: 02-850-2150

PARAÑAQUESan Antonio, Shopping Center, San Antonio Valley 1, Sucat, Parañaque City T: 02-829-2282 820-2055

PATEROS AJ Bldg., 38 M. Almeda St.,cor. Martirez del 96 St.,PaterosT: 02-643-5856

TAGUIG Unit -13 , Karport, 32nd St.,Bonifacio Global City ,Taguig T: 02-544-1848 0929-660407

Nueva Ecija

Metro Manila

Batangas

Rizal

Laguna

QuezonCavite

MAP OF THE PHILIPPINES

CALAMBABurgos St., Calamba City, LagunaT: 049-545-1821 834-1037

MAKATI Unit 16, 1048 El Rico Suites, Metropolitan Avenue, Makati City T: 02-896-2759 896-2655

LAGUNA

H.O ( MAIN ) Paciano Rizal, Calamba City, Laguna T: 049-531-3700

ALAMINOSAlaminos Public Market,Del Pilar St., Alaminos, LagunaT: 049-567-1351 805-1407 / 805-1870

BIÑAN J. Gonzales St., Poblacion, Biñan, LagunaT: 049-511-6350 242-2854 411-4882 4742

CABUYAO J.P. Rizal Avenue, Sala,Cabuyao, LagunaT: 049-531-2354 CALAUAN G/F Bose Bldg. 2,Geirosa St., Calauan, Laguna T: 049-568-0029

CANLUBANG Carmel Mall, Jose Yulo Blvd. Canlubang, Calamba CityT: 049-549-7257

LOS BAÑOS Villegas Compound, UPLB, College, Los Baños, Laguna T: 049-536-3280 827-3987

PACITA Unit D, Block 6 Lot 50/52,Pacita Avenue, Pacita Complex 1,San Pedro, Laguna T: 02-808-0548 529-2836

SAN PABLO Mabini Avenue,San Pablo City, Laguna T: 049-562-0248 / 3206

SAN PEDRO 1 Luna St., Poblacion,San Pedro, Laguna T: 02-808-0052/ 0402 520-4028

STA. ROSA Cor. J.P. Rizal Blvd.and F. Gomez St.,Sta. Rosa City, Laguna T: 049-534-1117 837-5282

BATANGAS

BATANGAS CITYKumintang Ibaba,Batangas CityT: 043-723-1031 300-2644

BAUAN 26 Binay St. cor. San Rafael St.,Poblacion III, Bauan, BatangasT: 043-727-1317 305-0553 980-3180

LEMERY Ilustre Avenue,Lemery, BatangasT: 043-411-1432 409-0146

LIPA T.M. Kalaw cor. Mabini Sts.,Lipa City, Batangas T: 043-411-1432 312-0699

ROSARIO ABS & S Bldg., Carandang St.,Brgy. Del Rosario, Batangas T: 043-414-0012

SAN JOSE Banay-banay I,San Jose, Batangas T: 043-726-3220

STO. TOMAS Gen. Malvar Avenue, Sto. Tomas, Batangas T: 043-778-1960 318-0339

TANAUAN Mabini St., Tanauan, BatangasT: 043-778-0910 405-0371

CAVITE

BACOORUnit B. Addio Business Centre Aguinaldo High-way,Brgy. Talaba, Bacoor, CaviteT: 046-434-8180/8184 870-1086

CARMONA JM Loyola St., Poblacion, Carmona, CaviteT: 046-430-0815 889-0238

DASMARIÑAS San Agustin St. 3,Dasmariñas, CaviteT: 046-416-0803 / 0903

GEN TRIAS Gov. L. Ferrer Avenue,General Trias, CaviteT: 046-437-0349 887-2498

GMA Congressional Avenue,San Gabriel, GMA, Cavite T: 046-972-2036 890-2126

NOVELETA General L. San Miguel St., Poblacion, Noveleta, Cavite T: 046-438-1726 883-0481

TANZA A. Soriano Hi-wayDaang Amaya, Tanza, CaviteT: 046-437-0556 885-1137

TRECE MARTIRES Brgy. Luciano,Trece Martires City, CaviteT: 046-419-0449 864-0103

QUEZON

CANDELARIA Argao - Bustamante St., Candelaria, Quezon T: 042-585-4061 741-1330

SARIAYA Gen. Luna St.,Sariaya, QuezonT: 042-525-9551 651-1423

TIAONG Doña Tating cor. Umali Sts., Tiaong, Quezon T: 042-545-8268 652-1138

RIZAL

CAINTAUnit C-Jek Bldg.,19 Ortigas Avenue Extension, Cainta, RizalT: 02-470-1354 477-9421

BRANCHESinfo@ldb.phwww.ldb.ph

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RATE PROFILE 2013

Paciano Rizal, Calamba City, Laguna

www.ldb.ph