About Us
Our Brand and Legacy
Dr. Jose G. Tamayo and Dr. Josefina Laperal Tamayo, both doctors and visionary leaders, had long been involved in improving the quality of life in the Philippines through healthcare and education. Recognizing the vital role that financial empowerment plays in uplifting lives, they saw that in addition to healthcare and education, there was also a pressing need for accessible financial services to empower Filipinos in their daily lives. This vision led to the creation of USBI as a savings and loan institution, initially focusing on the financial needs of individuals and families, and later expanding to include MSMEs.
USBI was founded on June 8, 1977, by Dr. Jose G. Tamayo and Dr. Josefina Laperal Tamayo. The bank was initially established as University Savings and Loan Association (USALA), later evolving into University Savings Bank, Inc. (USBI). The founders’ names, when combined, formed the acronym JONELTA—a brand which became synonymous with nation-building and social progress.
In 1998, the bank transitioned into a thrift bank under the name University Savings and Loan Bank (USLB), which later became University Savings Bank, Inc. (USBI) in 2006. This evolution marked the bank’s growing capabilities in providing a diverse array of financial services, including savings accounts, time deposits, and loans for individuals, businesses, and communities.
Leadership: Legacy and Continuity
The legacy of Dr. Jose G. Tamayo and Dr. Josefina Laperal Tamayo continued through their eldest son, Antonio L. Tamayo. Antonio, alongside his wife Daisy Moran Tamayo, co- founded the University of Perpetual Help System DALTA (UPHSD), a prestigious educational institution that carries the DALTA name, an acronym for Daisy, Antonio, Laperal, and Tamayo. Under Antonio’s leadership, the DALTA Group expanded far beyond education, creating a strong presence in healthcare, private and corporate health insurance, real estate, infrastructure, agriculture, and maintenance services.
Strategic Presence and Expansion
USBI currently operates five (5) branches strategically located in key areas: Manila; Biñan City, Laguna; Las Piñas City; Gen. Mariano Alvarez (GMA) Cavite; and Molino, Cavite. In 2018, the Corporate Office was relocated to Biñan City, enhancing USBI’s ability to strengthen its operations and streamline decision-making processes.
The bank’s expansion plans include the planned expansion of its branch network through organic growth or strategic acquisitions and by expanding depositors’ touchpoints such as online, ATM and mobile banking. These initiatives are designed to meet the growing demands of USBI’s customer base while further enhancing its service offerings.
A Proud Member of the Community
Beyond financial services, USBI is an integral part of the Perpetual Help Group of Companies, which includes nine universities, two hospitals, and various other enterprises. The group is committed to nation-building through its diverse portfolio, which spans education, healthcare, real estate, agriculture, and other essential sectors.
USBI is also a member of the Chamber of Thrift Banks (CTB) and the Philippine Deposit Insurance Corporation (PDIC), adhering to the highest standards of governance and financial responsibility.
Empowering the future:
USBI's commitment to growth and innovation
With a rich history rooted in nation-building and a strong commitment to providing accessible financial services, University Savings Bank, Inc. continues to grow and evolve under the stewardship of the Tamayo family. From its humble beginnings to its ongoing modernization efforts, USBI remains steadfast in its mission to serve its clients and contribute to the nation’s economic and social progress. As USBI moves forward under the guidance of its new chairman, Mark O. Tamayo, the bank’s legacy of service, innovation, and community support will continue to drive its success for generations to come.
The Legacy Builders
Board of Directors
Guided by a heritage of integrity and nation-building, our Board of Directors continues the mission sparked by Dr. Jose G. Tamayo and Dr. Josefina Laperal Tamayo. Today, our leadership team blends decades of financial expertise with the “JONELTA” spirit—ensuring that every strategic decision strengthens our commitment to social progress and community growth.
The Executive Team
Key Officers
Cynthia P. Santos
President
Matilde R. Llanura
Treasurer
Mariano L. Tamayo
Corporate Secretary
Ronald B. Dominguez
Comptroller
Atty. Jose Orriccio Odon Tamayo
Chief Legal Officer
Atty. Jose Luciano O. Tamayo
Data Protection Officer
Bjay M. Ebreo
Internal Audit Head and Acting Chief Compliance Officer
Ronald Villanueva
Branch Banking Group Head
Madonna L. Enriquez
Information Technology Group Head
Jose Francisco Ramos
Head, Process and Policy Transformation
Mona Lisa A. Recodo
OIC - Account Management Group
Ma. Theresa T. Nacar
Credit & Loans Administration Group Head
Mario L. Rabie
Credit Risk Officer
Abel C. Zuniga
Clearing Department Head
Ma. Luisa G. Luciano
Branch Banking Operations Group Head
Marciana G. Dijamco
General Services Department Head
Our Vision
Universty Savings Bank, Inc. (USBI) strives to be the preferred partner for financial services in its chosen markets, particularly the Consumer and Micro, Small, and Medium Enterprise (MSME) sectors.
With a commitment to offering relevant, responsive, and accessible banking products, USBI aims to empower Filipinos, supporting them in their financial growth while ensuring continued trust and partnership.
Our Mission
Providing competitive banking products and services while maintaining the highest standards of professionalism and quality service.
Creating an environment that fosters employee growth and development.
Delivering fair and sustainable returns to shareholders.
Promoting social responsibility and contributing to the overall well-being of the communities it serves.