Dungganon Bank

What Dungganon Bank does

Dungganon Bank (A Rural Bank), Inc. is a privately held rural bank incorporated in the Philippines, headquartered in Bacolod City and operating 20+ branches across Negros Occidental, Negros Oriental, and Cebu provinces in the Visayas. Founded in 2005 and regulated by the Bangko Sentral ng Pilipinas (BSP) with deposits insured by the PDIC up to P1,000,000 per depositor, the bank serves poor and low-income households, small and medium enterprises, farmers, agrarian reform beneficiaries, and individual consumers in underserved Visayan communities. Its institutional roots are tied to the Negros Women for Tomorrow Foundation (NWTF), with many branches co-located in NWTF facilities.

The bank operates a dual product portfolio. The microfinance suite includes Kabuhayan (group) loans, Kauswagan (individual) loans with collateral, micro-housing loans covering house improvement and complementary products (solar, water filters, toilets, cookstoves), and micro-agri loans targeted at sugar-crop agrarian reform beneficiaries. The traditional lending suite comprises SME working-capital and fixed-asset loans, agricultural credit loans, and consumer loans (auto, housing, multi-purpose). On the deposit and payments side, Dungganon offers interest-bearing ATM accounts, passbook accounts, joint accounts, and DBI E-Money EMV cards reloadable up to Php 500,000 per month, supported by the DBI Online Banking platform with 24/7 access and inter-bank fund transfer routing through InstaPay and PESONet, with ATM and POS connectivity via BancNet.

Dungganon's business model is a traditional interest-based banking model adapted to a microfinance and rural retail context. Revenue is generated primarily from net interest spread on its microfinance and traditional loan book, supplemented by transaction fees on online banking, inter-bank fund transfers, ATM services, and E-Money reloads. The go-to-market is sales-led, relying on a 20+ branch physical network for relationship-based lending and deposits, with group-lending methodology driving community-level customer acquisition and an emerging self-service online channel layered on top. No public revenue, funding, or ownership figures are disclosed.

Name

Dungganon Bank

Legal name

Dungganon Bank (A Rural Bank), Inc.

Website

https://dungganonbank.com

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

101–250 employees

Short description

Dungganon Bank is a Philippine rural bank headquartered in Bacolod City, regulated by the Bangko Sentral ng Pilipinas, serving poor and low-income households, SMEs, farmers, and consumers across the Visayas. It offers microfinance and traditional loans, deposit accounts, and online banking with InstaPay and PESONet integration through 20+ branches.

Ownership category

akta.pro rank

Product category

Rural Banking

NAICS

Savings Institutions and Other Depository Credit Intermediation (52218)

SIC

Savings Institutions, Not Federally Chartered (6036)

akta.pro primary industry

Agricultural & Rural Development Banks (FSABAKAE)

akta.pro secondary industries

Agricultural & Rural Microfinance (FSAKAGAG), SBA/Government-Backed & Development Finance Loans (FSAKAGAI)

Keywords

• Rural banking services
• Microfinance loans
• Consumer lending
• Savings deposits
• Online banking

Headquarters

HQ city

Bacolod City

HQ country

Philippines

HQ region

Asia

Offices21 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Microfinance Lending: Small loans granted to poor and low-income households including group loans (Kabuhayan), individual loans with collateral (Kauswagan), micro-housing loans, and micro-agri loans for agrarian reform beneficiaries.
2. Traditional Lending: SME loans for working capital and fixed assets, agricultural credit loans for crop production, consumer loans including auto loans, housing loans, and multi-purpose loans.
3. Deposit Services: Interest-bearing savings accounts including ATM accounts, passbook accounts, and E-Money cards with cash reload capabilities up to Php 500,000 per month.
4. Electronic Banking Services: Online banking transaction fees, inter-bank fund transfer fees through InstaPay and PESONet, and service charges for internet banking.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels3 records

Core offering

Dungganon Bank (A Rural Bank), Inc. is a Philippine rural bank offering microfinance loans (Kabuhayan group loans, Kauswagan individual loans, Micro-Housing, Micro-Agri) for poor and low-income households, alongside traditional loans (SME, agricultural credit, auto, housing, multi-purpose) and interest-bearing deposit products (ATM, passbook, joint accounts, and E-Money cards). It also provides DBI Online Banking with InstaPay and PESONet inter-bank fund transfer capabilities, operating across 20+ branches in Negros Occidental, Negros Oriental, and Cebu.

Product overview

Dungganon Bank is a rural bank in the Philippines offering a dual product portfolio: microfinance loans (Kabuhayan group loans, Kauswagan individual loans, Micro-Housing Loans, Micro-Agri Loans) targeting the poor and low-income households, and traditional loans (SME Loans, Agricultural Credit Loans, and Consumer Loans including Auto, Housing, and Multi-Purpose Loans). The bank also provides deposit services through DBI Online Banking internet platform, DBI E-Money EMV cards, ATM accounts, passbook accounts, and joint accounts. All services support fund transfers via InstaPay and PESONet payment rails.

Differentiator

Problem solved

Functional benefit

Brands

• DBI Online Banking: Internet banking platform enabling account inquiries, funds transfers via InstaPay and PesoNet, and password management for Dungganon Bank customers.

Products and services

• Kabuhayan (Group) Microfinance Loan
• Kauswagan (Individual) Microfinance Loan
• Micro-Housing Loan
• Micro-Agri Loan
• SME Loans
• Other Agricultural Credit Loan
• Auto Loan
• Housing Loan
• Multi-Purpose Loan
• DBI Online Banking
• DBI E-Money
• DBI ATM Account
• DBI Passbook Account
• DBI Joint Account

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature3 records

Partnerships

Seven partnerships are on record, tiered core and supporting.

• Bangko Sentral ng PilipinascoreOthersRegulatory partner overseeing Dungganon Bank operations as a rural bank. Consumer assistance available through contact number (02) 8708-7087 and email [email protected].
• PDIC (Philippine Deposit Insurance Corporation)coreOthersGovernment agency providing deposit insurance coverage up to P1,000,000 per depositor, ensuring customer deposits are protected.
• National Privacy CommissionsupportingOthersRegulatory body overseeing data protection compliance. Dungganon Bank has established a Data Protection Officer and breach management procedures in compliance with Republic Act 10173.
• InstaPaycoreTechnology or IntegrationReal-time electronic fund transfer service partner enabling instant inter-bank transfers from Dungganon Bank accounts to other participating banks and e-money providers.
• PESONetcoreTechnology or IntegrationBatch electronic fund transfer service partner enabling scheduled inter-bank fund transfers through Bangko Sentral ng Pilipinas payment rails.
• NWTF (Negros Women for Tomorrow Foundation)coreStrategic or Co-development PartnerParent organization and strategic partner. Dungganon Bank shares office premises with NWTF at San Sebastian-Verbena Street location. Multiple branches operate as NWTF Branch locations. NWTF appears to be the founding organization behind the bank.
• BancNetsupportingTechnology or IntegrationElectronic payment network partner enabling ATM and point-of-sale transactions through BancNet connectivity.

Scale indicators1 record

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• BPI Direct BanKo: BPI Direct BanKo is the microfinance arm of Bank of the Philippine Islands, serving unbanked and underserved SMEs/individuals — a broad incumbent peer that competes for the same microfinance customer with deeper capital backing.
• RCBC (Rizal Commercial Banking Corporation): RCBC is a Philippine universal bank with an SME and inclusive-banking thrust that overlaps with Dungganon's traditional lending products, representing larger-scale incumbent competition.

Direct peers

• Producers Bank: Producers Bank is a Philippine thrift/rural-style bank serving SMEs and rural borrowers, comparable in scale, geographic focus, and product mix to Dungganon Bank.
• CARD Bank: CARD Bank is a Philippine rural bank spun out of CARD MRI that focuses on microfinance for poor and low-income households — directly comparable to Dungganon's microfinance-led rural banking model and target customer.
• ASA Philippines Foundation: ASA Philippines is a leading microfinance NGO with a banking license serving low-income entrepreneurs across the Visayas and Mindanao, directly comparable in target segment and group-lending methodology.
• Planters Development Bank: Planters Development Bank is a Philippine rural bank with a focus on agricultural and SME lending, directly comparable to Dungganon's agricultural credit and SME loan offerings.

Regional players

• One Network Bank: One Network Bank (Aboitiz-owned) is a Philippine rural bank with strong Mindanao and Visayas branch presence, comparable in regional banking and microfinance strategy.

Emerging players

• Cebuana Lhuillier Bank: Cebuana Lhuillier's banking and pawnshop operations serve the same unbanked Visayas demographic with micro-savings and short-term credit products — comparable in customer base and transaction-led model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/dungganonbank
• LinkedInlinkedin.com/company/dungganon-bank-inc-a-rural-bank

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Dungganon Bank