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Progressive 51 Year Old Rural Bank with High CAMELS Rating

Listing: #AL00037






About this Business for sale in Calabarzon

Progressive 51 Year Old Rural Bank with High CAMELS Rating


This is a 51 year old rural bank with a high CAMELS rating.  The present market value of assets and capital investment is P65 million.The current owners are very progressive.  They pioneered in setting up Other Banking Offices (OBO) in Calabarzon which was followed by other rural banks.

They have 3 full-fledged banks and 3 OBOs.  The OBOs may be converted to full-fledged banks.  The Banko Sentral approved a 4th OBO in November 2018.

They own all the real estate where the 3 branches operate.  Only the OBOs operate in rented locations.

Being a conservative bank, they have many clients from the religious community, schools and OFWs.  The bank’s high liquidity level is a reflection of the community’s confidence.  In fact, there is no need to borrow from the Banko Sentral ng Pilipinas ( Central Bank of the Philippines).

There is a big opportunity in micro finance which is yet to be tapped but the owners did not pursue this path because they have no people to execute it properly.  The new owners can take advantage of this.

The seller can act as a consultant for the smooth business transition. 

If you are a banker you know the value of a high CAMELS rating.  And given the present market value of the assets you know that the price is indeed good.

Proof of funds and buyer's profile is required at the initial stage of inquiry.


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*Profit: Sellers Discretionary Earnings, also known as EBPITD (Earnings Before Proprietors Compensation, Interest, Tax and Depreciation). This is the estimated total discretionary earnings (profit) for a business, usually based on historical trading.