Message from the Chairman of the Board

Our dear RBR clients,

Greetings of prosperity!

2015 will be a year of challenges and opportunities. For RB Rizal, while 2014 was a year of consolidation, 2015 shall be a year of growth for your bank. The byword in today’s banking industry is financial inclusion and for us that means reaching out to the portions of our population which are unbanked. You would be interested to know that despite the developments in technology, there are still a big number of municipalities throughout our country that are unbanked – meaning there is no single banking office operating in these municipalities. That is where our opportunity lies and that is where we will be exploring.

We invite you to attend the opening of our two new MBOs sometime in the second quarter of this year. We are also exploring opening a fourth MBO within Dipolog City to increase our catchment area and to take advantage of some barangays which are just as big as a small municipality in terms of economic growth and opportunities.

Last year we also unveiled the first ATM machine in Mapang with our partnership with the Devt Bank of the Phils. We will continue this partnership so that we can offer more value added services to our clients in the different municipalities where we operate.

As we grow bigger we are training our senior branch officers to handle positions of greater responsibility. For this year, we have two new branch managers, Merbeth Suarez for Polanco (she used to be Dipolog branch cashier), and Jyn Lagorra for Rizal (she used to be Calamba branch cashier). They will be replacing Mark Uycoco who is moving up to Operations Manager, and Eric Saguin who will be leaving on April. We have two new cashiers, Angeli Hamoy for Dipolog and Doris Calago for Calamba and two new personnel to be assigned to Compliance and Internal Audit departments.

We are continually hiring new and talented staff to man our new MBOs in Liloy and Roxas and training our department heads to handle branches as we continue to expand. We would appreciate suggestions from our stockholders on areas where opportunities abound.Thank you for your banking with us. More power!

I thank my Board of Directors, Vice President Dug Christopher Mah, Assistant Vice President Francisco Montaño and Richard Concha, our Independent Director Arlene Ang and our very active directors Diane Concha, Maricar Concha, Joseph Lim, Filomena Concha and Cristina Mah. I assure you of their top notch participation and whole hearted dedication in running the affairs of your bank.

I would likewise acknowledge our senior management officers led by Mrs. Lucille Lawagon, our COO, our Treasury Head Romena Galeza, our Chief Compliance Officer Roderick Baes, our Chief Accountant Shylene Elma, our Chief Internal Auditor, Hansard Labisig, and our branch managers Donabel Santander, Roy Mark Uycoco, Jasper Cuevas, Eric Saguin and Marlene Sapalo. Their loyalty, commitment and support have propelled the bank to greater heights.

Lastly, I thank my fellow stockholders for your commitment, support and trust. Banking is a business of trust and we shall continue to hold that trust as our primary concern.

Thank you for your attention and good morning.

Atty. Alberto P. Concha | Chairman of the Board