Integrity, Honesty, Fairness And Forward Thinking .

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Professional banking platform

Stable, Reliable and Technology based


De La O Rural Bank, Inc. (“DLO” or “The Bank”) is a licensed rural bank in Philippines with a focus to provide quality banking services to private clients. Our main shareholder, First Bullion Holdings Inc. (“FBIL”), is ambitious to build the most prestigious banking group in the Philippines with an aim to serving the needs of both individual and corporate private clients, leveraging on the financial technology and as well to bring value to all the stakeholders.

For the last two decade, DLO has been offering a wide array of financial services from its corporate head quarter in Laguna, Philippines. Through a dedication to client service and a diverse loan products offering, clients enjoy unrivalled access to the ever-changing financial markets. DLO is now undergoing a banking 2.0 reform and by the completion of this transformation, DLO will be able to offer more client orientated and convenience services to its clients.

Our Values: Integrity, Honesty, Fairness And Forward Thinking


For over 2 decades DLO has been providing premier financial services to our clients. Our goal is all along to become a multi-national banking group serving private clients across the Pan Pacific region. We will continue to move forward with many exciting new initiatives, which will further our objective of providing the global business professional a stable, reliable and technology based banking platform.

—Board of Directors


Good corporate governance matters to our shareholders, our customers, our employees, our communities - and to us. We strive to meet rigorous standards of corporate governance, following the best practices in our industry and meeting or going beyond regulatory requirements

  • Our core values guide the board's oversight, its relationship with management and its accountability to shareholders.
  • Our governance responsibilities are integral to our performance and long-term sustainability.
  • Our corporate governance standards reflect emerging best practices and meet or exceed legal and regulatory requirements.
  • Governance is important to our owners, our customers, our employees, our communities - and to us.

Management Team

DLO believes strongly in innovation, customer-centricity and teamwork. Our dedicated team comprises of experienced and highly qualified professionals.

The Executive Committee is responsible for setting the Bank’s business strategy, managing the overall resources while maximizing returns to shareholders and ensuring outstanding service to customers. The management team is responsible for updating on the implementation of the Bank’s objectives and providing support in managing the day-day running of the Bank.

Ms. Estela L. Soriano


Ms. Soriano is the founder of DLO and she also serves as a Director of the Laguna Federation of Rural Bankers.

After graduation from the University of the East in 1970, Ms. Soriano started her rural banker career and her first job was as a bookkeeper and accountant in the Rural Bank of Pangil. She was promoted to the position of officer-in-charge of one of the branch of Rural Bank of Pangil in 1990’s and then she left and started her own business under the name RVZ Lending Investor. Ms. Soriano then founded DLO in 1997. Under Ms. Soriano’s leadership, the bank grows from a small provincial rural bank to one of the most profitable rural bank in Philippines.

Ms. Zenaida M. Buenaseda


Ms. Buenaseda joined DLO in 1998 and is now the director, treasurer and general manager of the Bank.

Ms. Buenaseda earned her Doctoral Dedgree of Education at the Technological University of the Philippines and spent 11 years as teacher, guidance counselor and administrator of different Diocesan Catholic Schools in Philippines. Ms. Buenaseda has so much experiences and exposures in teaching, coaching and interpersoanl skills. Ms. Buenaseda handles the monitoring on loans, particularly in the preparation of various manuals as required by the Bangko Sentral ng Pilipinas.

Mr. Mike Tsui


Mr. Tsui joined DLO in 2017 and he is now serving as the chairman of another thrift bank in Philippines. Mr. Tsui also take up the position of the Chairman of Chinese Bankers Club, Hong Kong, Committee Chairman of Sedentary and Professional Service of Occupational Safety and Health Council, Hong Kong, Honorable Treasurer of Hong Kong Marrow Match Foundation and Committee Member of Industry Training Advisory Committee of Qualifications Framework Hong Kong.

Mr. Tsui started his banking career as Personal Financial Consultant in Standard Chartered Bank back to 1995. And then he held several senior positions over the years in various international banks including Citibank, China Construction Bank (Asia), Citi Bank International and ANZ Bank Hong Kong. Mr. Tsui holds a master degree in Marketing from The Chinese University of Hong Kong.



Atty. Rosalie J. dela Cruz, or Atty. Gigi as she is fondly called, is an active litigation lawyer and a CPA. She graduated in 1982 from PUP with a degree in Bachelor in Accountancy, and right after took and passed the 1982 Certified Public Accountant Licensure Examination. In 1992, she obtained her Bachelor of Laws degree from the MLQU School of Law, passed the 1992 Philippine Bar Examinations and was admitted to the practice of law in May 1993.

Atty. Gigi holds a Master of Laws degree which she obtained from the San Beda College- Graduate School of Law in 2013, as well as a Master in Public Administration degree from the University of the Philippines which she obtained in 1995 under the 1993 Civil Service Commission Local Scholarship Program. She also holds a Post-Graduate Diploma in International Humanitarian Law which she obtained in 2012 from the NALSAR University in Hyderabad, India under the scholarship of the International Committee of the Red Cross (ICRC).

Atty. Gigi is also a legal aid lawyer, being the Deputy Director for Special Projects at the IBP National Committee on Legal Aid, where she is in-charge of human trafficking, OFW, human rights, and IHL cases.

Being a former Bank Examiner at the Central Bank of the Philippines, Atty. Gigi joined and headed the Legal Department of four commercial banks before she joined the academe. She is currently the Director of Student Discipline of the Far Eastern University where she also teaches part-time with the rank of Professor III and is a consistent recipient of FEU’s Teaching Excellence awards. She also authored some legal papers for The Business Chronicle (An Annual Publication of the Institute of Accounts, Business and Finance of the Far Eastern University).

Aside from being a lecturer in the Mandatory Continuing Legal Education, Atty. Gigi is also a lecturer at the Philippine Institute of Certified Public Accountants (PICPA) for its continuing professional education.

She sits as one of the Judges in the Jessup Moot Court Competitions in International Law, the ABS-CBN News Channel’s (ANC) Square Off television debate programs, and the National Moot Court Competitions on International Humanitarian Law.

During the International Woman’s Day Celebration in March 2013, Atty. Gigi was honored by the Far Eastern University as one of its Five Most Admired Women.

Ms. Juanita C. Manzana

Chairman of the Board

Ms. Juanita “Ninay” Manzana was elected chairman of the Board of De La O Rural Bank, Inc. last February 2017. She has extensive experience in the field of Real Estate Development having started her career in big Real Estate Companies after her graduation from Maryknoll College with a degree of Bachelor of Arts in Economics.

She is engaged in subdivision development, commercial, residential, resort and other tourism projects. Local governance was a big challenge for her especially in serving her constituents and improving her Municipality with limited resources. She served as the Local Chief Executive (Municipal Mayor) of Pangil, Laguna for three consecutive terms from 2003 to 2009. Thru her leadership the Municipality of Pangil was transformed into a “Municipal Enterprise” and was functioning like a “private corporation” with full transparency, accountability, and participation.

Key Partners

Western Union

The largest cross-border, cross-currency global money service provider.


Electronic Network Cash Tellers, Inc. (ENCASH), is the first independent ATM deployer (IAD) in the Philippines.


PDIC is a government instrumentality created in 1963 by Republic Act 3591, as amended, to insure the deposits of all banks. PDIC exists to protect depositors by providing deposit insurance coverage for the depositing public and help promote financial stability.

iComputing Solutions, Inc.

iComputing Solutions, Inc. (iCSI) is a Filipino owned information technology company that has no boundaries in providing Philippine companies with best IT solutions especially in the area of banking, insurance, enterprise resource planning, human capital management, and financial management. The company was started in year 2011 by a group of businessmen and professionals known for their competence and wealth of experience in information technology, human resources, finance and banking and have grown into a full scale IT company. In the beginning, iCSI only supported proprietary systems from IBM AS/400 platform. Today, they support open systems based applications that can run on any operating platform and database.

ICSI is a partner of PT Sigma Cipta Caraka (Telkomsigma), a leading integrated End-to-End ICT Solutions company for more than 27 years in Indonesia. For human capital management solution, they are in partnership with Orisoft Systems Technology Bhd. Of Malaysia, which offers Orisoft unified HCMS that has been implemented in the Philippines, Malaysia, Thailand, Singapore, Vietnam, Indonesia, China and Australia

What we do

Open an account

Our Bank offer the most highly value banking experience based on a unique understanding of our clients by providing financial services necessary for achieving this aim. We begin our assistance by opening an account with us that allows performing transaction easily and quickly. All your account operations will always be under you control.

We offer customers our preliminary consultation on opening of account with our assistance with preparation of the documents and application forms for account opening. We will be along the side through the account opening process and communication until you are assigned a bank account number.

To start our relationship:
Fill out our Individual Account Opening Form.
Send us your filled form to cs@dlo-rb.com

Once we receive your filled forms, our Account Management Department will be in contact to review your application over the phone. This short interview will help the Bank better understand your account requirements.

Send us your documents to cs@dlo-rb.com. You can submit the relevant documents by sending them via email to your Account Manager. We will activate your account electronically and you also need to send physical copies to the Bank.

Fund your bank account. Our online system generates all the details your bank needs to effect a remittance. With your online printout, the bank can send us an international SWIFT transfer. New accounts must be funded within 30 days of account opening.

Remittance Service

DLO has always been responsive to the changing needs of its clients. In response to the need of clients of a real time and convenient means of sending and receiving money to and from their loved ones nationwide, we offers both domestic and international remittance services.

Our domestic and international remittance services are in partnership with third party remittance service providers including Western Union, so clients can send and receive money from any outlets of our partners nationally and internationally.

Saving Deposit Accounts

DLO’s goal is to become your trusted banking partners. With this in mind, DLO offers different type of savings accounts, designed to meet the needs of its clients.

Saving Deposit Accounts

  1. Minimum initial deposit of P1,000
  2. With 1% interest rate per annum
  3. Can conveniently perform other bank transactions such as bills payment, reloading of mobile phone load, and domestic and international remittances
  4. Easy to check account balance anytime anywhere

SPECIAL Saving Deposit Accounts

The purpose of this account is to encourage savings for individuals and corporation with high interest income expectation.

  1. With maturity terms of 1-5 years
  2. Minimum initial deposit of P100,000
  3. Maintaining balance of P100,000
  4. With 6% to 8% interest rate per annum, depending on the amount of deposit and terms
  5. With automatic rollover instruction

Agricultural Loan

We offer competitive fixed and floating rates, amounts starting at PHP 25,000 (no maximum) and convenient terms including monthly, quarterly and annual payments for customers with seasonal revenues. We can help you:

Purchase & Refinance Property

  1. Purchase or refinance land for farming, ranching and fishing
  2. Flexible terms
  3. Secure your loan with the property you're financing
  4. Borrow 50-70% of the property value (loan-to-value ratio layer varies by property type)

Purchase or Lease Equipment & Vehicles

  1. Flexible terms
  2. Secure the loan with the new or used item you're financing
  3. Borrow up to 80% of purchase price and 100% on leases

Finance Your Production Expenses

  1. Term loans for breeding livestock, poultry; we offer flexible terms on Livestock Loan and Poultry Loan
  2. Loan for working capital available for agribusinesses
  3. Term loans for breeding livestock, poultry; we offer flexible terms up to 7 years Livestock Loan and Poultry Loan

Salary Loan

We offer competitive fixed and floating rates, amounts starting at PHP 5,000 (maximum 8 times of your monthly salary) and convenient terms including bi-weekly, monthly and interest only payments. We can help you to:

  1. Consolidate your credit card debt
  2. Pay off tax debt
  3. Repay loans from family or friends
  4. Pay off medical bills
  5. Continue your studies
  6. Celebrate a milestone
  7. Pay for your wedding
  8. Pay for your honeymoon
  9. Decorate your home
  10. Repair your vehicle

Housing Loan

We offer competitive fixed and floating rates, amounts starting at PHP 100,000 (no maximum) and convenient terms including bi-weekly, monthly and interest only payments. We can help you:

  1. Purchase & refinance property
  2. Purchase or refinance residential property
  3. Flexible terms up to 10 years
  4. Secure your loan with the property you're financing
  5. Borrow up to 80-90% of the property value (loan-to-value ratio layer varies by property type

Equipment Loan

Is leasing equipment right for you?

Leasing may be a good option for your business when you have limited capital or you need equipment that might require upgrading every few years.

Finance up to 100% of the purchase price plus up to 20% for soft costs such as taxes, freight and delivery.

Finance PHP 50,000 and up—and get a possible reduction of your taxable income.

Get a competitive fixed rate and have funds disbursed directly to you or the equipment dealer.

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