Rang-ay Bank, the rural bank of choice in Northern Luzon, has long established its commitment in the financial landscape. Founded on January 16, 1956, by visionary Ilocano leaders Doña Numeriana Tavora-Querol and Don Teofilo A. Nisce, the bank has grown from its humble beginnings to become the biggest bank in its class in the Ilocos and Cordillera Regions, boasting a wide network of 31 banking offices. This remarkable journey is a testament to Rang-ay Bank’s unwavering commitment to the values of trust, resilience, and community spirit.
MORE THAN JUST A FINANCIAL INSTITUTION. Rang-ay Bank sees itself as a partner in progress for the people and businesses of Northern Luzon. Their mission is clear: to empower the region with globally competitive banking services and to hasten progress in the communities they serve through accessible and affordable financial solutions. (L-R) Ives Jesus Nisce II President and CEO, Rang-ay Bank and Rang-ay Bank Chairman Ives Nisce with one of the bank’s valued client.
As Rang-ay Bank celebrates its 70th year this 2026, building upon its strong foundation and legacy, its vision and mission continues to involve the people from Northern Luzon. From simple loans to business investments, Rang-ay Bank has established itself to be the leading and most trusted financial partner in Northern Luzon, driving inclusive growth and prosperity through innovative and sustainable banking solutions.
Rang-ay Bank Chairman Ives Nisce continues to be hands-on when it comes to looking at the bank’s valued clients. “For decades, Rang-ay Bank has been driven by a clear vision: to empower North Luzon with globally competitive banking services. Our mission is to actively hasten progress in the communities of the Ilocos Region and the Cordillera through accessible and affordable banking services. We firmly believe that by providing the right financial tools and opportunities, we can contribute significantly to the overall economic prosperity of our region” shared Nisce.
A significant aspect of Rang-ay Bank’s dedication lies in its robust support for Micro, Small, and Medium Enterprises (MSMEs), including Agri-businesses. Recognizing the vital role these enterprises play in the local economy, the bank offers flexible loan programs designed to provide much-needed working or start-up capital. These MSMEs Business Loans cater to a wide range of needs, from launching new ventures and expanding existing ones to refinancing current loans and providing revolving credit lines.
COMMITMENT BEYOND PROVIDING LOANS. Rang-ay Bank firmly believes in the entrepreneurial spirit and resourcefulness of the people of Northern Luzon. The company, now headed by Ives Jesus Nisce II continues to innovate and support the growth aspirations of local businesses in the North.
“The dynamic movement of MSMEs here in Northern Luzon gave our company an idea on what we can develop in terms of banking products that can help our clients achieve their business objectives” said Ives Jesus Nisce II President and CEO, Rang-ay Bank. “Our commitment goes beyond simply providing loans. We will continue to innovate and offer competitive banking services tailored to help individuals and enterprises in our region expand their investments and contribute to the prosperity of our communities” said Nisce II.
Understanding the unique challenges and opportunities in the provinces, Rang-ay Bank has streamlined its processes to provide efficient and accessible services. Unlike other institutions where loan applications might need to be sent to Metro Manila, Rang-ay Bank’s local presence allows for quicker processing, with housing, business, and agricultural loans potentially approved in as short as five working days. Furthermore, recognizing that not all borrowers have traditional collateral, the bank offers several collateral-free loan programs, ensuring that more individuals and businesses can access the financial support they need to grow.
As Rang-ay Bank prepares for its 70th anniversary next year, its long-standing commitment to the business and economy of Northern Luzon remains unwavering. By providing accessible financial solutions, actively supporting MSMEs and the agricultural sector, and fostering strong community partnerships, Rang-ay Bank continues to invest in the future and contribute significantly to the progress and prosperity of the North. Their journey exemplifies the power of a locally rooted institution in driving regional economic growth and empowering the communities it serves.
