(clockwise from upper left) Department of Agrarian Reform (DAR) Bureau of Agrarian Reform Beneficiaries Development (BARBD) Director Dr. Ronald M. Gareza, CESO IV and LANDBANK Program Management Department I Head, Assistant Vice President Edgardo S. Luzano lead the fourth run of the LANDBANK AgriSenso Virtual Forum on 24 October 2022. Joining them are Mauanan Baluncanag Gaddangao Farmers Irrigators Credit Cooperative Treasurer Sharon B. Eugenio, Southern Isabela ARB Charibel Francesca, and Batangas Egg Producers Multi-Purpose Cooperative Director Cecille A. Virtucio.
The Land Bank of the Philippines (LANDBANK) gathered small farmers and fishers, agrarian reform beneficiaries (ARBs), and their organizations to discuss the National Government’s development plan towards building sustainable and resilient agrarian reform communities.
Department of Agrarian Reform (DAR) Bureau of Agrarian Reform Beneficiaries Development (BARBD) Director Dr. Ronald M. Gareza, CESO IV and LANDBANK Program Management Department I Head, Assistant Vice President Edgardo S. Luzano led the discussions during the fourth run of the LANDBANK AgriSenso Virtual Forum on 24 October 2022.
They were joined by agriculture partners and loan availers, namely Mauanan Baluncanag Gaddangao Farmers Irrigators Credit Cooperative Treasurer Sharon B. Eugenio, Southern Isabela ARB Charibel Francesca, and Batangas Egg Producers Multi-Purpose Cooperative Director Cecille A. Virtucio, who shared how LANDBANK and DAR have assisted to enhance their productivity and income.
Director Gareza discussed the various interventions that DAR has been carrying out to help address the challenges facing ARBs in land tenure and disputes. He also underscored the importance of support services, including capacity development and credit and marketing assistance, to support and ease the burden of ARBs.
Meanwhile, AVP Luzano, together with Program Officers Glecy Angeles and Crisso Pernito, presented the features of the various credit programs being offered by LANDBANK for ARBs and their organizations.
Accessible financing for ARBs, ARBOs
LANDBANK and DAR have been working closely to extend affordable financing and support services for ARBs and their organizations.
Under the Accessible Funds for Delivery to Agrarian Reform Beneficiaries (AFFORD-ARBs) Program, LANDBANK provides direct credit assistance to individual ARBs who are not yet members of Agrarian Reform Beneficiary Organizations (ARBOs). The loans can be used for the production of rice, corn and high-value crops, and acquisition of small farm implements, such as hand tractors and power tillers.
The Bank has released a total of P506.1 million to 2,200 borrowers under the AFFORD-ARBs Program as of 30 September 2022.
LANDBANK, in partnership with DAR, also implements the Credit Assistance Program for Program Beneficiaries Development (CAP-PBD), designed for ARBOs that are not yet qualified to borrow under the regular lending window of the Bank.
The Program provides credit assistance and support services to ARBs through their respective organizations for crop production, agri-enterprise or livelihood and other agri-related projects.
LANDBANK and DAR also offer the Expanded Assistance to Restore and Install Sustainable Enterprises for Agrarian Reform Beneficiaries and Small Farm Holders (E-ARISE-ARBs), designed to assist ARBOs which and whose members were adversely affected by natural calamities or disasters, pests and diseases, and other viral infections or outbreaks.
As of September 2022, LANDBANK’s combined releases under CAP-PBD and E-ARISE-ARBs have reached P736.4 million, benefitting 219 ARBOs with more than 11,000 ARBs and small farm holder-members nationwide.
Qualified ARBOs can also avail of credit assistance under the Enhanced Partnership Against Hunger and Poverty (EPAHP) Lending Program of LANDBANK, which can be used to purchase orders or contract receivables from government agencies for the provision of needed food items.
The Program supports the government’s efforts to address hunger, poverty, food security and nutrition, through community participation in government contracts.
LANDBANK’s total loan releases under the EPAHP Lending Program have reached P9.6 million to seven agri suppliers as of September 2022.
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LANDBANK Q3 income climbs 42% year-on-year to ₱35.65 B, reflecting strong financial momentum
LANDBANK achieved a significant 42% jump in net income to ₱35.65 billion as of the third quarter of 2025, already surpassing its full-year earnings of ₱35.36 billion in 2024, and underscoring the Bank’s robust financial trajectory and performance above historical averages. Total assets expanded to a record ₱3.45 trillion, supported by growth in loan and investment portfolios. This solidifies LANDBANK’s position as the country’s second-largest universal and commercial bank in terms of assets. “LANDBANK’s strong performance as of the third quarter underscores our prudent management, operational efficiency, and continued investments in digital innovation. We remain steadfast in our mission to drive inclusive growth, empower the agriculture sector, and deliver innovative financial solutions for all Filipinos,” said LANDBANK President and CEO Lynette V. Ortiz. The Bank’s loan portfolio is now at its peak at ₱1.70 trillion, propelled by the higher volume of loans across all segments. Deposits rose to a new high of ₱3.07 trillion, demonstrating continued trust from both government and private sector depositors. LANDBANK’s digital transformation continued to accelerate, processing 550.73 million digital transactions valued at ₱3.14 trillion as of September 2025. This represents a 51% increase in volume from the previous quarter. The state-run Bank remained steadfast in its developmental mandate, with outstanding loans to Agriculture, Fisheries, and Rural Development (AFRD) reaching over ₱812 billion, accounting for over 47% of LANDBANK’s total loan portfolio. Under LANDBANK’s flagship AGRISENSO Plus Lending Program, the Bank has extended ₱1.95 billion in loans as of September 2025 to over 12,300 borrowers since its launch last year, most of whom are small farmers and fishers. Through the Program’s capacity-building component, a total of 25,296 small farmers and fishers have been trained. LANDBANK’s nationwide network continued to expand with 10,582 touchpoints, including 609 branches, 60 lending centers, 3,244 automated teller machines (ATMs), and 1,091 LANDBANKasama partners, ensuring broad access to financial services across the country. Customers can also transact free of charge at over 3,800 7-Eleven ATMs nationwide through the Bank’s partnership with Pito Axm Platform, Inc. (PAPI). ABOUT LANDBANK LANDBANK is the largest development financial institution in the country promoting financial inclusion, digital transformation, and sustainable national development. Present in all 82 provinces in the county, the Bank is committed to provide accessible and responsive financial solutions to empower Filipinos from countryside to countrywide.
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Empowering Cadiz as Negros’ farming hub: LANDBANK streamlines digital agri lending with AGRISENSO Plus
CADIZ CITY, Negros Occidental – LANDBANK continues to make agricultural financing more accessible with the integration of online applications under the AGRISENSO Plus Lending Program, allowing farmers to conveniently apply for loans anytime and anywhere, underscoring the Bank’s commitment to simplify access to affordable credit. LANDBANK President and CEO Lynette V. Ortiz and Department of Agriculture (DA) Secretary Francisco P. Tiu Laurel, Jr. led the launch on 30 October 2025 at the Cadiz City Arena, attended by more than 1,700 farmers from Cadiz and neighboring towns. They were joined by Philippine Crop Insurance Corporation (PCIC) President Atty. Jovy C. Bernabe, Agricultural Credit Policy Council (ACPC) Deputy Executive Director Ma. Cristina G. Lopez, Cadiz City Mayor Salvador G. Escalante, Jr. and Vice Mayor John Vincent I. Escalante, EB Magalona Mayor Matthew Louis Malacon, Sagay City Mayor Leo Rafael M. Cueva, Silay City Mayor Joedith C. Gallego, and Valladolid Mayor Ricardo P. Presbitero, Jr. “Sa pamamagitan ng pakikipagtulungan sa LANDBANK at iba pa nating katuwang, titiyakin natin na ang benepisyo ng AGRISENSO Plus ay makarating sa lahat ng magsasaka at mangingisda, saan mang sulok ng bansa,” said DA Sec. Laurel. In 2024, Mayor Escalante shared his vision of transforming Cadiz and its neighboring towns into a primary agricultural hub in Negros Occidental, with the AGRISENSO Plus Program expected to play a vital role in realizing this vision by improving farmers’ access to affordable financing and agribusiness support. “LANDBANK has seen how our farmers continue to face so many challenges — from the recent eruption of Mt. Kanlaon, to the impact of climate change, unstable farmgate prices, and market access. This is why we designed AGRISENSO Plus to provide holistic and practical solutions to the challenges faced by our farmers and fisherfolk,” LANDBANK President and CEO Ortiz emphasized. Inclusive and holistic agri financing The Program, developed in partnership with the DA, ACPC, Department of Agrarian Reform (DAR), National Irrigation Administration (NIA), and private sector partners, is a value chain-based financing initiative that provides holistic support to agricultural stakeholders, with simplified documentary requirements, free life and credit life insurance, and expanded access to technical and market support to help boost productivity and profitability. It offers a lowered fixed interest rate of only 3.0% per annum — down from 4.0% — for small farmers, fishers, and agrarian reform beneficiaries (ARBs), with competitive rates for their associations, cooperatives, micro, small, and medium enterprises (MSMEs), large enterprises, anchor firms, and agriculture graduates. Complementing the Lending Program is the LANDBANK ASCEND (Agri-Fishery Support through Capability Enhancement for Nationwide Development), a capacity-building initiative that equips farmers and fishers with training in digital financial literacy, sustainable agriculture, and enterprise development. As of August 2025, LANDBANK has released ₱1.78 billion in loans under the AGRISENSO Plus Lending Program, supporting over 12,000 borrowers nationwide. The Negros Occidental rollout follows successful launches in Pampanga, Cagayan, Isabela, Batanes, Bukidnon, Iloilo, and Palawan. Strengthening partnerships for growth The Program also strengthens market linkages through partnerships with anchor firms such as Kita Agritech Corporation, Sarisuki Stores, Inc., TAO Foods Company, Inc., Yovel East Research and Development, Inc., Unified Tillers Agriculture Cooperative (UTAC), and Santeh Feeds Corporation. Agbeam Farms Incorporated recently joined this roster following the signing of a memorandum of agreement with LANDBANK on 20 October 2025 at LANDBANK Plaza in Manila. Agbeam Farms, which specializes in dragon fruit cultivation and processing, will provide end-to-end support to farmers—from land preparation and production to post-harvest processing and marketing—ensuring a complete and sustainable value chain for dragon fruit growers. Expanding digital convenience for farmers and MSMEs Further advancing its digitalization efforts, LANDBANK successfully piloted the first provincial rollout of its Person-to-Merchant (P2M) QR payment facility in Negros Occidental. The P2M facility delivers a two-fold benefit for both consumers and LANDBANK-accredited merchants. It is an interoperable payment channel that allows consumers to avail of free transfer fees for purchases worth ₱500 and below when paying via QRPh-P2M using the LANDBANK Mobile Banking App (MBA), other banking apps, or digital wallets. Meanwhile, participating merchants benefit from waived merchant fees for every transaction. This digital innovation further empowers farmers and MSMEs by offering a faster, more convenient, and secure way to receive payments, while reducing their reliance on cash transactions and promoting wider digital adoption across agricultural communities. Business owners can enroll their existing LANDBANK accounts, with P2M activation completed within just 24 to 48 hours. ABOUT LANDBANK LANDBANK is the largest development financial institution in the country promoting financial inclusion, digital transformation, and sustainable national development. Present in all 82 provinces in the county, the Bank is committed to provide accessible and responsive financial solutions to empower Filipinos from countryside to countrywide.
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LANDBANK expands reach in Negros Occidental with new one-stop hub
KABANKALAN CITY, Negros Occidental – State-run LANDBANK has strengthened its presence in Southern Negros with the opening of the Negros Occidental South Corporate Center in Kabankalan City, highlighting the Bank’s commitment to accessible and inclusive financial services. The new facility will serve as a one-stop hub for farmers, fishers, cooperatives, micro, small and medium enterprises (MSMEs), local government units (LGUs), and private depositors from the cities of Kabankalan, Sipalay, and Himamaylan, and the municipalities of Ilog, Cauayan, Candoni, Hinoba-an, Hinigaran, and Binalbagan. LANDBANK President and CEO Lynette V. Ortiz and Negros Occidental 6th District Representative Mercedes K. Alvarez led the inauguration ceremony on 29 October 2025, joined by Kabankalan City Mayor Benjie M. Miranda and Vice Mayor Divina Gracia S. Miranda, Candoni Mayor Ray R. Ruiz, Sipalay City Mayor Maria Gina M. Lizares, other local partners, and LANDBANK senior officials. “Today’s inauguration of the LANDBANK Negros Occidental South Corporate Center reaffirms our deep commitment to stand with Kabankalan and the entire Negros Occidental. This new facility strengthens our presence in Saouthern Negros — so that together, we can continue providing every Negrense with better, more efficient, and more inclusive financial services,” said LANDBANK President and CEO Ortiz. LANDBANK President and CEO Lynette V. Ortiz (middle) and Negros Occidental 6th District Representative Mercedes K. Alvarez (3rd from left) lead the ribbon-cutting ceremony for the inauguration of the LANDBANK Negros Occidental South Corporate Center on 29 October 2025 in Kabankalan City. They are joined by Kabankalan City Mayor Benjie M. Miranda (rightmost), Vice Mayor Divina Gracia S. Miranda (2nd from right), Sipalay City Mayor Maria Gina M. Lizares (3rd from right), Candoni Mayor Ray R. Ruiz (2nd from left), and LANDBANK First Vice President Vivian M. Cañonero (leftmost). A new home for “phygital” banking Located along Justice JY Perez Highway, the center houses the upgraded LANDBANK Kabankalan Branch — the first “phygital” branch in Negros Occidental, with modern facilities and ample space that offers a comfortable environment for clients and staff. It combines physical and digital banking, featuring LEA (LANDBANK Easy Access) for paperless queuing, the LANDBANK Digital Online Banking System (DOBS) for faster account opening, four ATMs, a cash deposit machine, and meeting pods for client consultations. Expanding access to development financing The second floor hosts the LANDBANK Negros Occidental South Lending Center, offering easier access to loans and credit assistance, eliminating the need to travel to Bacolod City. Other LANDBANK units such as the Loan Operations Field Unit (LOFU), Field Support Services Center (FSSC), and Field Legal Services (FLS) are also housed in the building to provide integrated services. LANDBANK currently operates 16 branches, two lending centers, 76 ATMs, four CDMs, and 51 LANDBANKasama partners in Negros Occidental, plus 80 ATMs in 7-Eleven stores where customers can withdraw cash free of charge. ABOUT LANDBANK LANDBANK is the largest development financial institution in the country promoting financial inclusion, digital transformation, and sustainable national development. Present in all 82 provinces in the county, the Bank is committed to provide accessible and responsive financial solutions to empower Filipinos from countryside to countrywide.
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