Running a business is never easy, especially for Cebu’s micro, small, and medium enterprises (MSMEs). Every peso counts, every decision matters, and navigating cash flow, growth financing, and operational challenges can feel overwhelming. This is where Top Bank Philippines, Inc. steps in as a partner, guiding entrepreneurs toward sustainable growth and financial confidence.
Founded through the consolidation of Country Builders Bank, Inc. and Builders Rural Bank, Inc. in 2012, and strengthened by a strategic merger with First Macro Bank, Inc. in 2017, Top Bank has grown into a leading rural bank in the Philippines. Its recent rebranding in 2024 reflects a renewed commitment: to deliver enhanced, personalized financial services while embracing the future of banking through its phygital (physical + digital) strategy.
Top Bank’s vision is simple yet ambitious: to be the top-of-mind and trusted banking institution that transforms lives by adapting to customers’ evolving needs. This is evident in the bank’s focus on Cebu’s vibrant MSME sector, where businesses need practical solutions, flexibility, and guidance to thrive.
Through a combination of traditional banking reliability and modern digital tools, Top Bank ensures that entrepreneurs can access funds, manage accounts, and track transactions efficiently, without sacrificing personalized service. Busy professionals and MSME owners alike benefit from a banking experience that balances convenience and connection.
At the heart of Cebu’s operations is Top Bank Taboan Branch, led by Branch Manager Mr. Ritchel Golis, alongside a dedicated team of relationship managers who work closely with local entrepreneurs to understand their unique needs.
The Taboan team provides a wide range of financial services for MSMEs and professionals, including:
- Flexible business loans to fuel growth and investment
- Cash management solutions that streamline day-to-day operations
- Corporate accounts and digital banking platforms for efficient account management
By combining personalized support with innovative financial tools, the Taboan branch helps Cebu-based entrepreneurs grow confidently and sustainably, making financial challenges manageable rather than overwhelming.
Top Bank is guided by its core values: Reliability, Integrity, Professionalism, and Excellence (RIPE) which are applied in every client interaction:
Reliability: Constantly seeking growth opportunities to deliver better results
Integrity: Acting with accountability, trust, and respect
Professionalism: Committed employees passionate about their work
Excellence: Striving to be great, never settling for “good enough”
These values define the bank’s culture and shape its relationships with clients, employees, and shareholders alike.
Moreover, Top Bank’s phygital approach ensures that Cebu’s MSMEs never have to compromise. Clients can receive face-to-face guidance at the Taboan branch, while also managing finances anytime through mobile banking. This hybrid model allows entrepreneurs to focus on growing their business without being constrained by time, location, or bureaucracy.
Whether supporting startups taking their first steps, helping established MSMEs scale, or assisting professionals in managing personal and business finances, Top Bank Philippines lives its mission of being a partner for growth. Its commitment to both clients and employees: investing in people and technology – ensures that every financial journey is met with expertise, guidance, and care.
For Cebu-based entrepreneurs and professionals ready to strengthen their financial future, Top Bank Philippines and the Taboan Branch team under Mr. Ritchel Golis are your partners who grow with you.
For personalized assistance, you may also reach out to the branch’s Micro Finance Account Officers:
Mr. Danielle Ararao – 0962-746-3422
Mr. Renel Estoconing – 0928-624-3472
For further inquiries, contact Top Bank Philippines: (02) 8866-7299 loc. 27044 / 8230-8867 or visit: www.topbank.com.ph
