About Us

BOF, one of the country’s leading rural banks, provides products and services to empower and support the growth of Micro, Small, and Medium Enterprises (MSMEs) in Central Luzon. Established in 1964, BOF has served as a catalyst in Pampanga countryside development and growth. BOF is set apart from its competition through its in-depth understanding of clients’ needs, superior grassroots customer approach which stems from its desire in preserving, cultivating and protecting the heritage and rich culture not just that of Pampanga but that of the Filipino nation as well.

We will be the bank of choice of Micro, Small and Medium Enterprises (MSMEs) in Central Luzon delivering excellent and relevant products and services contributing to financial inclusion towards economic progress and development.



We provide innovative products and personalized services at all times ensuring utmost client satisfaction and in compliance with government regulations.


We develop and empower our people to be highly competent professionals and we shall recognize their excellent performance.


We deliver consistent and satisfactory returns to our shareholders and build lasting partnership with our key stakeholders advocating social responsibility.

Core Values

C - Competence

A - Accountability

- Responsibility

I - Integrity

N - Nurturing

G - God-driven

BOF Ring


Board of Directors


(Standing L-R)
Jaime P. Panganiban, Engr. Jesus S. Nicdao, Jose Paolo D. Carlos, Atty. Elfren P. Hipolito, Jr.

(Sitting L-R)
Atty. Ma. Fides Andin-Balili, Teresa David-Carlos, Nina Perpetua Datu-Aguas,
Susan Jesusa David-Nunga, Yolanda David-Aguila

Executive Committee

(L-R) Jaime P. Panganiban - Member, Susan Jesusa David-Nunga - Member Jose Paolo D. Carlos - Alternate Member, Teresa David-Carlos - Chairperson

Audit and Compliance Committee

(L-R) Myrin M. Paguio - Ex-officio Member / Chief Internal Auditor, Atty. Ma. Fides Andin-Balili - Chairperson, Engr. Jesus S. Nicdao - Member, Erlisa M. Banag - Ex-officio Member / Chief Compliance Officer,
Atty. Elfren P. Hipolito, Jr. - Member 

Credit Committee

(L-R) Susan Jesusa David-Nunga - Member , Jose Paolo D. Carlos - Member,
Jaime P. Panganiban - Alternate Member, Teresa David-Carlos - Chairperson

Management Committee

(L-R) Cristy C. Completo -  Accounting and Treasury Group Officer-In-Charge,  Rona Q. Binuya - SVP - Branch Banking Group,     Janette G. Lagazo - Human Resources Department Head, Grace D. Castro - Assistant Vice President - Loans Department,

Jaime P. Panganiban - Executive Vice President, Teresa David-Carlos - President and CEO,

Susan Jesusa David-Nunga - Senior Executive Vice President, Jose Paolo D. Carlos - Executive Vice President,

Cecile G. Escalante - SVP - Administrative Group, Erlisa M. Banag - Chief Compliance Officer (Ex-officio Member),

Myrin M. Paguio - Chief Internal Auditor (Ex-officio Member), Albert  R. Aguilar - Credit Management Group Head

Annual Reports

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Bank of Florida is regulated by Bangko Sentral ng Pilipinas

Executive Office

MacArthur Highway, Dolores, City of San Fernando, Pampanga, Philippines C-2000

E-mail: customercare@bankofflorida.ph


Contacts: (045) 963-5188 to 89, (045) 963-5288 to 90


Member of
Rural Bankers Association of the Philippines