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First Country Bank – Overview

First Country Bank (www.firstcountryfinancial.com/fcbank/index.htm), banking arm of First Country Financial Group, is a microfinance bank that focuses on promoting micro-entrepreneurs and helping marginalized members of society. Former DECS Undersecretary Dr. Alejandro Wilfredo Clemente and members of the Bankers' Club (retired top bank executives from BSP, LBP, Citibank, DBP, and other thrift and rural banks) founded the bank in 1995.

First Country Bank received the "Most Outstanding Microfinance Bank" award from the Consumers' League of the Philippines Foundation in 2004 and the "Big Leap Forward" award from the People's Credit and Finance Corporation in 2005.

The bank provides Microfinance Livelihood Loans to members of:

  • More than 700,000 public school teachers nationwide thru the Department of Education Automatic Salary Deduction Program;
  • More than 280,000 military pensioners thru assignments of their monthly pensions of the bank is an accredited depository;
  • A large number of OFWs and their dependents thru credit redemption and collateral guarantee insurance with the assistance of the Overseas Workers Welfare Administration; and
  • Housewives of employed and under-employed, thru the methodology of the Grameen Bank of Bangladesh.

First Country Bank is a member of the Philippine Deposit Insurance Corporation (PDIC).

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Test: What type of investor are you?

Here’s a simple, six-question test to check what type of investor you are.

Don’t worry, there are no right or wrong answers. Your score is simply an indication of how you balance risk and opportunity. The corresponding meaning of your score illustrates a suggested mix of instruments selected to suit your profile. Take note that this test is not a substitute for investment advice from a professional.

Ready?

Grab a pen and paper and start answering the investor profile questionnaire below. For each of the questions, choose the letter of the sentence that best reflects you.

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Are UITFs right for you?

You’ve learned what UITFs are and how they are different from mutual funds. You’ve decided to invest in UITFs. But are they really right for you?

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