CARD MRI RIZAL BANK, Inc., A Microfinance-Oriented Rural Bank (Formerly : Rizal Rural Bank (Taytay), Inc.) was founded in May 1996 by Atty Gregorio and Ms. Filomena Suarez, both veterans of the Bangko Sentral ng Pilipinas, to serve the community in Taytay, Rizal where their famiy resides. The bank also provided various financial as well as consultancy services to the people of Taytay.

On August 1, 2012, the Center for Agriculture and Rural Development, Inc. (CARD, Inc.), CARD Bank, Inc, and individual investors submitted its intent to purchase 100% ownership of the bank. Thus, on October 11, 2012 the CARD Mutually Reinforcing Institutions (CARD MRI) group and the Suarez family had a formal signing to signify the official sale of CARD MRI RIZAL BANK, Inc. to the CARD MRI Group.

Implementation of microfinance program was then started by applying the CARD MRI methodology of transitioning evaluated clients from Taytay Units 1 and 2 of CARD, Inc. This is parallel to the objectives of the CARD MRI Group: serving the socially-and-economically challenged families.

Bangko Sentral ng Pilipinas officially approved on January 25, 2013, through Monetary Board Resolution 155, the transfer of 100% ownership of CARD MRI RIZAL BANK, Inc. to the CARD MRI Group including the transfer of RBI’s head office to Sta. Cruz, Laguna and establishment of additional three branches and ten (10) Micro-banking Offices.

Vision and Mission


CARD MRI RIZAL BANK, Inc. is a world-class leader in microfinance and community-based social development undertakings that improves the quality of life of socially and economically challenged women and families towards nation building.


CARD MRI RIZAL BANK, Inc. is committed to:

  • Empower socially and economically challenged women and families through continuous access to financial, microinsurance, educational, livelihood, health and other capacity-building services that eventually transform them into responsible citizens for their community and the environment;
  • Enable the women members to gain control and ownership of financial and social development institutions; and
  • Partner with appropriate agencies, private institutions, and people and community organizations to facilitate achievement of mutual goals.

Our Team

Ms. Flordeliza L. Sarmiento


Ms. Elma B. Valenzuela


Dr. Dolores M. Torres


Mr. Julius Adrian R. Alip


Ms. Marie Josephine M. Ocampo

Independent Member

Ms. Julieta A. Miranda

Independent Member

Ms. Pascuala S. Geñoso

Independent Member

Mr. Faustino M. Buenaventura

Independent Member

Ms. Suzette S. Marquez

Independent Member

Dr. Jaime Aristotle B. Alip

Board Adviser

Ms. Natividad N. Alejo

Board Adviser

Ms. Elma B. Valenzuela

President and CEO

Ms. Juliana B. De Leon

Executive Vice President

Ms. Ma. Adoracion M. Ola

Assistant Vice President for Operations-OIC

Ms. Marites S. Pedraja

Assistant Vice President for Operations-OIC

Ms.  Anna Lorraine J. Maur

Vice President for Finance

Ms.  Mary Grace A. Vergavera

Assistant Vice President for Accounting-OIC

Mr. Christopher B. Dela Cruz

Chief Compliance Officer

Mr. Pedro L. Maniebo

Regional Director

Ms. Venus J. Manrique

Regional Director

Mr. Rodolf Henry J. Melgar

Regional Director

Ms. Ruby Anne C. Dimaano

Regional Director

Ms. Medelyn K. Alimagno

Regional Director

Mr. Joseph G. Verano

Regional Director

Ms. Rebecca R. Fortez

Regional Director-OIC

Mr. Dexter L. Lara

Regional Director-OIC

Mr. Florante F. Andaya

Regional Director-OIC

Mr. Artemio A. De Las Alas

Regional Director-OIC

Ms. Crisanta C.Agor

Regional Director-OIC

Mr. Robert F. Urgino

Regional Director-OIC

Ms. Clarissa Bolivar

Regional Director-OIC

Ms. Joan A. Cajes

Risk Manager

Ms. Gina L. Panelo

Deputy Director for Audit

Ms. Maria Ernelyn D. Dajao

Senior Program Manager-OIC

Ms. Angela A. Poonin

Deputy Director for HR

Mr. Glenn C. Matienzo

Information Security Officer

Ms. Aprille Joyce B. Baldeo

Marketing Manager

Ms. Mary Ann C. Angelio

IT Manager OIC