OUR TEAM
Founder
Founder And Chairman Emeritus
CARD MRI
MANAGING DIRECTOR
Managing Director
CARD MRI
ADVISERS
Senior Management Adviser
CARD Bank, Inc.
Senior Adviser
CARD SME Bank, Inc.
Senior Adviser for Research
CARD MRI
Senior Adviser
CARD Masikhay
Consustantcy Service, Inc.
Senior Management Adviser
CARD Bank, Inc.
Senior Adviser
CMIT, Inc.
President
CMDI, Inc.
Senior Management Adviser
Senior Management Adviser
CARD SME Bank, Inc.
Senior Management Adviser
CARD MRI Rizal Bank, Inc.
Corporate Legal Consultant
CARD MRI
EXECUTIVE COMMITTEE
Managing Director
CARD MRI
Executive Director
CARD, Inc. (A Microfinance NGO)
President and CEO
CARD Bank, Inc.
President and CEO
CARD SME Bank, Inc.
President and CEO
CARD MRI Rizal Bank, Inc.
Chief Executive Officer
CARD MBA, Inc.
President & General Manager
CaMIA, Inc.
Executive Vice President
CARD MRI Rizal Bank, Inc.
Director for Admin and Finance
CARD MBA, Inc
Senior Director for Support Services
CARD MRI
Vice President for HR
CARD MRI
President and CEO
CMIT, Inc.
Executive Vice President
CARD Bank, Inc.
President
CMDI, Inc.
Executive Vice President for Audit
CARD Bank, Inc.
President
CARD MRI Astro Laboratories Inc.
President
CARD MRI Publishing House Inc., Bente Productions Inc. and
CARD MRI Hijos Tours Inc.
President
Center for Innovation
Executive Director
Padayon Microfinance, Inc.
President
CARD MRI Property Management, Inc.
Director for RMU/Partnership/IG
CARD, Inc. (A Microfinance NGO)
Director for Legal and Security
CARD, Inc. (A Microfinance NGO)
Chief Executive Officer
CARD-Leasing and Finance Corporation
CARD, Inc.
Mr. Windel Dejuras
Mr. Ricky Reyes
Mr. Jonathan Pondevida
Ms. Gilnora Bahia
Ms. Jinky Mendoza
Mr. Alexis Garcia
Mr. Dondon Mercado
Mr. David Burgos
Mr. Jowie Guevarra
Mr. Juvy Ocate
Ms. Luzviminda Dalisay
Mr. Joevill Tardio
Ms. Melody Escorsa
Ms. Marina Sepillo
Mr. Rannel Aranda
Mr. Arlo Von Subrean
Ms. Jessica Solosa
Mr. Alvin Villamena
Ms. Judith Yeban
Ms. Lousel Cortes
Mr. Sandy Bulalacao
Mr. Freddie Cuevas
Mr. Biegear Taguiam
Mr. Raymond Quilit
Mr. Judy Aban
Mr. Mariano Blasco
Mr. Norman John Bulao
Mr. Rex Mayol
Mr. Argel Cabuhal
Ms. Raquel Bernales
Ms. Maridel Manalo
Ms. Estrella De Villa
Mr. Froilan Escala
Mr. Emmanuel Angeles
Ms. Billie Jean Consignado
Mr. Adonis Saromines
Mr. Rey Pionelo
Ms. Adora Almonte
Ms. Emy Cuestas
Ms. Venus Manrique
Ms. Gladys Mae Albela
Mr. Edgardo Ostonal
Ms. Jan Alferez
Ms. Juvy Gacutan
Ms. Carmencita Dalog
Mr. Michael Sann Amistad
Mr. Evan Cabulit
Mr. Raymond Uy
Mr. Rudinario Sorisantos
Ms. Evelyn Narvaez
CARD Bank, Inc.
Ms. Clarita Mercado
Ms. Baby Analyn Malaborbor
Ms. Raquel Zaragoza
Mr. Juanito dela Cueva
Ms. Jessica Dichoso
Ms. Jenet Constantino
Mr. Jonel Rapera
Ms. Ma. Luella Bulalacao
Ms. Marissa Carandang
Ms. Marissa Escalona
Ms. Wilma Laurio
Mr. Fundard Buncaras
Ms. Glenda Magpantay
Ms. Rowena Galarde
Mr. Jeffrey Rondina
Ms. Jerlen Merdegia
Ms. Rhoda Burgos
Ms. Zabeth Opis
Mr. Joseph Labastida
Ms. Geralyn Macasinag
Ms. Jocelyn Lampas
Ms. Medy Valenzuela
Ms. Maridel Mendoza
Ms. Leslie Marcaida
Ms. Maria Fe Yap
Ms. Genalyn Decillo
Ms. Lucy Benedicto
Ms. Maria Fe Busadre
Mr. Ace Montes
Ms. Eilen Reanzares
Ms. Shiela Nuñez
Ms. Venancia Salazar
Mr. Rex De Lumban
Ms. Leonisa Manalo
Mr. Michael Dimaano
Mr. Paul Zedrick Dorado
Mr. Fidel Dumalog
Mr. Venancio Elaurza
Ms. Haide Bautista
Ms. Josie Cruzin
Ms. Jerlen Merdegia
Ms. Mylene Dimaano
Mr. Anver Regalado III
Ms. Ruth Ogbac
Ms. Shiela Mercado
Ms. Benny Tess Ola
Ms. Elyn Saludo
Ms. Janet Paz
Ms. Margie Ablaza
Ms. Dolorez Alvarez
Mr. Erwin Lazo
CARD SME Bank, Inc.
Ms. Florence Castillo
Ms. Noralyn Silvestre
Ms. Anita Rapera
Mr. Rodel Bombase
Ms. Joy Palomique
Mr. Jerry Montejo
Ms. Jeannie La Rosa
Ms. Cherry Boncajes
Mr. Allan Dimaano
Mr. Benedict Ame
Ms. Loida Lutado
Ms. Leonida Gutierrez
Ms. Patricia Saballo
Ms. Shielo Reyes
Ms. Rosella Sansano
Ms. Juliana Salcedo
Mr. Jayson Solosa
Ms. Mary Rose Venerayan
Ms. Jennifer Masa
Ms. Lourdes Marasigan
Ms. Amalia Ditchoso
Ms. Marites Angara
Ms. Eva Mandalihan
Ms. Maribeth Quilit
Ms. Gerilyn Bautista
Ms. Mildred Matienzo
Ms. Madonna Bautista
Ms. Belinda Salazar
Mr. Eugeniano Gabbac
Ms. Jelyn Maranan
Ms. Rachelle Villaberde
Mr. Norberto De Guzman
CARD RBI, Inc.
Ms. Adoracion Ola
Mr. Pedro Maniebo
Ms. Mary Grace Vergavera
Ms. Medelyn Alimagno
Ms. Ruby Anne Suministrado
Ms. Nenia Peralta
Ms. Maria Ernelyn Dajao
Ms. Joan Cajes
Mr. Florante Andaya
Mr. Oliver Quinay
Mr. Hilario Umiten Jr.
Mr. Josef Leron
Mr. Marck Anthony Llanes
Ms. Ritchel Dacillo
CARD MBA
Mr. Aristopher Punzalan
Mr. Mauricio Maur
Mr. Oliver Reyes
Ms. Arlene Umandap
Ms. Ma. Joyce Alimagno
Ms. Gina Nevado
Mr. Francis Montilla
Mr. Roy Jabonan
Mr. Michael Kelvin Junos
Ms. Jennifer Redublo
Ms. Janicekith Navera
CARD LFC/BDSFI/MLNI
Mr. Vladimier Sanchez
Ms. Rodessa Burgos
Ms. Kristine Rejano
Ms. Marites Pedraja
Ms. Glenda Atabay
Ms. Angela Poonin
CaMIA
Mr. Gerardo Batarlo
Ms. Jennelyn Menesses
Ms. Kathryn Joyce Manimtim
Mr. Archie Menchavez
BAKAWAN
Ms. Lorelie Alvero
Mr. Glexter Marasigan
Ms. Maricel Lim
BotiCARD
Ms. Celeste Arceo
Ms. Florife Reynido
CARD MRI ASTRO LABORATORIES
Ms. Marites Pedraja
CPMI
Mr. Ely Rodriquez
MI Health Care
Mr. Allan Ray Sarmiento
PADAYON
Mr. Louie Silvestre
FDSAP
Ms. Ma. Encarnita Lopez
Ms. Agnes Garcia
Mr. Raymond Villapando
Mr. Alexzander Sanciangco
CARD Masikhay
Mr. Michael Borja
Mr. Joberth Lorenzo
Mr. Daryle Dane Laggui
CARD OTTOKONEK/INDOGROSIR
Mr. Jeffrey Rilles
Mr. Iranio Rivera Jr.
Mr. Rodolf Henry Melgar
Ms. Arlene Corbantes
CORP. PLANNING & PRODUCTS DEV.
Mr. Noli Martinez
Mr. Ronnie Fallega
Ms. Evelyn Narvaez
CMDI
Dr. Carissa Monina Ramirez
Mr. Neil Polinag
Mr. Christian Albert Sandoval
DR. Glenda Lagarile
Ms. Ma. Ana Toledo
Ms. Analiza De Lumban
Ms. Marisol Mendelivar
Ms. Daisy Jane Caballero
Ms. Ana Theresa De Leon
Mr. Constancio La Rosa
Ms. Glenda Castronuevo
CMIT
Ms. Leyne de Galicia
Mr. Jigger Caneo
Mr. Alden Arban
Mr. Aries Cyril Cahigas
Mr. Arman Peñafiel
Mr. Ervin De Torres
Mr. Ryan Bon Lacsam
Mr. Christian Angulo
Ms. Lyn Bautista
Ms. Jinky Luya
SUPPORT UNIT & OTHER INSTI
Ms. Aileen Andal
Ms. Aurea Magpantay
Dr. Roderick Belen
Mr. Roselito Magpantay
Ms. Charissa Adorna
Ms. Cyrene Lubigan
Mr. Peter Robin Pasia
Ms. Lailanie Moral
Ms. Carissa Anna Macoto
Ms. Gina Panelo
Ms. Lorraine Maur
Ms. Melany Viajante
Ms. Maida Abrenilla
Atty. Adonis Orilla
Atty. Samuel John Abarcar
Dra. Michelle Dy-Menil
CARD, Inc. (A Microfinance NGO)
CARD, Inc. (A Microfinance NGO
Dr. Jaime Aristotle B. Alip
Dr. Lorenza dT. Bañez
Mr. Aristeo A. Dequito
Ms. Maria Elena M. Ruiz
Ms. Lyneth L. Derequito
Mr. Benjamin C. Lucas
Dr. Dolores M. Torres
Ms. Ma. Luisa P. Cadaing
Atty. Arnel Paciano D. Casanova
Dr. Flordeliza L. Sarmiento
Ms. Elma B. Valenzuela
Ms. Jocelyn D. Dequito
Ms. Aniceta R. Alip
Ms. Letecia Del Coro
Ms. Lourdes S. Bacsal
Ms. Wilva J. Gallo
Dr. Epifanio A. Maniebo
Mr. Efren C. Cosico
Mr. John Phillip P. Sevilla
Ms. Marilyn M. Manila
Chairman Emeritus/Founder
Chairman
Vice-Chairperson/President
Corporate Treasurer
Trustee
Auditor
Trustee
Trustee
Trustee
Trustee
Trustee
Trustee
Trustee
Trustee / Client
Trustee/ Client
Trustee/ Client
Ex-Officio Trustee
Board Adviser
Board Adviser
Corporate Secretary
Dr. Jaime Aristotle B. Alip
Dr. Dolores M. Torres
Ms. Marivic M. Austria
Ms. Lorenza dT. Bañez
Ms. Ma. Luisa Pahati Cadaing
Dr. Gilberto Montecer Llanto
Mr. Arthur A. Bautista
Ms. Ma. Belen M. Llamas
Ms. Ruby M. Coma
Atty. Edgardo Roset Marilim
Ms. Laarne D. Paje
Ms. May S. Dawat
Ms. Maria Rowena F. Galarde
Mr. Jeffrey M. Rondina
Ms. Rosafe M. Matunan
Ms. Charissa M. Adorna
Mr. Anver Regalado III
Ms. Baby Analyn Malaborbor
Chairman
Vice Chairperson
Director/President/CEO
Director/Corporate Treasurer
Director
Director
Independent Director
Independent Director-Luzon
Independent Director-Mindanao
Legal Counsel
Executive Vice President for Audit
EVP/Corporate Secretary
Assistant Corporate Treasurer/AVP for Finance
EVP/Chief Compliance Officer
VP for HRD
AVP for Audit
AVP for Risk Management
Assistant Corporate Secretary
Mr. Aristeo A. Dequito
Dr. Jaime Aristotle B. Alip
Ms. Mary Jane A. Perreras
Ms. Cynthia B. Baldeo
Dr. Gilberto M. Llanto
Atty. Wilfredo B. Domo-ong
Mr. Julius Adrian R. Alip
Ms. Chona A. Felesedario
Ms. Irene D. Arroyo
Ms. Abundia C. Manabes
Ms. Maria Agnes J. Angeles
Dr. Dolores M. Torres
Ms. Elma B. Valenzuela
Chairman
Vice Chairman for External Affairs
Vice Chairman for Administration
Director
Director
Director
Director/President/CEO
Independent Director
Independent Director
Independent Director
Independent Director
Board Adviser
Board Adviser
Mr. Arsisteo A. Dequito
Dr. Dolores M. Torres
Ms. Lyneth L. Derequito
Ms. Elma B. Valenzuela
Mr. Julius Adrian R. Alip
Mr. Rodolfo K. Mabiasen Jr.
Ms. Marlene B. Algire
Ms. Suzette S. Marquez
Ms. Leonora S. Lasco
Chairman
Vice Chairperson
Director/President/CEO
Director
Director
Director
Independent Director
Independent Director
Independent Director
CARD MBA, Inc.
Ms. Deneglen C. Peñaflorida
Ms. Aileen P. Guno
Ms. Virginia M. Garcia
Ms. Emily L. Bagares
Ms. Marissa S. Florendo
Ms. Baby Lita C. Mernillo
Ms. Marilyn C. Saguibo
Ms. Shirley S. Alejan
Ms. Liezel J. Macoco
Ms. Maria Niolda C. Badiola
Ms. Alma O. Gerladez
Ms. Cathlea O. Imbing
Ms. Vida T. Chiong
Mr. Francis M. Puzon
Mr. Rolando A. Robles
Atty. Jomer H. Aquino
President
Vice President
Corporate Treasurer
Trustee
Trustee
Trustee
Trustee
Trustee
Trustee
Trustee
Trustee
Trustee
Independent Trustee
Independent Trustee
Independent Trustee
Corporate Secretary
CARD Pioneer Microinsurance Inc.
Ms. Jocelyn D. Dequito
Atty. Jomer H. Aquino
Mr. Vener S. Abellera
Mr. Lorenzo O. Chan Jr.
Ms. Maria Olivia Valera
Mr. Vitaliano N. Nañagas II
Chairman
Independent Director
Director
Director
Director
Independent Director
CaMia, Inc.
Ms. Jocelyn D. Dequito
Ms. Elma B. Valenzuela
Mr. Vener S. Abellera
Ms. May S. Dawat
Ms. Cynthia B. Baldeo
Ms. Janet D. Caneo
Mr. Edgardo D. Rosario
Ms. Vida T. Chiong
Mr. Rolando A. Robles
Chairman
Vice Chairman
Director/President
Director
Director
Director / Corporate Secretary & Treasurer
Independent Director
Independent Director
Independent Director
CARD LFC
Mr. Frederick Nicasio M. Torres
Ms. Ma. Rodessa R. Burgos
Ms. Jocelyn D. Dequito
Mr. Julius Adrian R. Alip
Mr. Julio Jose F. Banzon
Mr. Benjamin C. Lucas
Ms. Leonora Q. Alejandro
Chairman
President
Director
Director
Director
Director
Director
CARD EMPC
Mr. Alvin M. Villamena
Ms. Florife T. Reynido
Ms. Gilnora Bahia
Mr. Oliver M. Reyes
Ms. Maria Ana Toledo
Ms. Melody Escorsa
Ms. Baby Analyn Malaborbor
Mr. Rodel Bombase
Ms. Juliana De Leon
Ms. Laarne Paje
Ms. Raquel Zaragoza
Chairperson
Vice Chairperson
Director
Director
Director
Director
Director
Director
Director
Director
Director
BotiCARD, Inc.
Ms. Rosenda P. Aquino
Ms. Jocelyn D. Dequito
Atty. Clifford C. Burkley
Dr. Kenneth Y. Hartigan Go
Mr. Rolando A. Romasanta
Dr. Roderick G. Belen
Ms. Maria Lourdes C. Santiago
Chairman/President
Vice Chairperson
Director
Director
Independent Director
Director
Independent Director
CARD MRI Astro Laboratories, Inc.
Ms. Lyneth L. Derequito
Ms. Maida B. Decano
Ms. Maria Gracia Q. Contreras
Ms. Jocelyn D. Dequito
Ms. Rosenda P. Aquino
Ms. Agnes R. Dizon
Ms. Marites S. Pedraja
Chairman
Vice Chairman
Director
Director
Director
Independent Director
Director/President
CMDI
Dr. Jaime Aristotle B. Alip
Dr. Dolores M. Torres
Dr. Flordeliza L. Sarmiento
Dr. Lorenza dT. Bañez
Ms. Ma. Luisa P. Cadaing
Dr. Gilberto M. Llanto
Dr. Agnes C. Rola
Dr. Rosalina O. Fuentes
Dr. Edzel A. Ramos
Dr. Maria Cynthia Rose B. Bautista
Prof. Takayoshi M. Amenomori
Ms. Myka Reinsch
Ms. Pascuala S. Geñoso
Chairman
Vice Chairperson for Corp. Planning and External Affairs
Trustee
Trustee
Trustee
Trustee
Trustee
Trustee
President/Trustee
Trustee
Ex-Officio Board at Large
Ex-Officio Board at Large
Ex-Officio Board at Large
CARD MRI Publishing House, Inc.
Ms. Marilyn M. Manila
Ms. Evelyn Teodora M. Narvaez
Ms. Aniceta R. Alip
Dr. Edzel A. Ramos
Mr. Guillermo G. Ramos, Jr.
Mr. Hugo D. Yonzon III
Ms. Chona D. Casis
Mr. Frederick Nicasio M. Torres
Chairman
Vice Chairman
Director
Director
Independent Director
Independent Director
Independent Director
Ex-Officio Director
CARD-BDSFI
Mr. Frederick Nicasio M. Torres
Ms. Marilyn M. Manila
Mr. Vladimer Sanchez
Mr. Aristeo A. Dequito
Mr. Julius Adrian R. Alip
Mr. Allan Rey L. Sarmineto
Prof. Olivia C. Emata
Mr. Mark Joaquin F. Ruiz
Dr. Rafael Barroso
Chairman
Vice Chairperson
Director/President
Director
Director
Director
Independent Director
Independent Director
Independent Director
Mga Likha ni Inay
Mr. Frederick Nicasio M. Torres
Mr. Aristopher Punzalan
Ms. Marilyn M. Manila
Mr. Bernie H. Liu
Mr. Mark Joaquin F. Ruiz
Mr. Aristeo A. Dequito
Ambassador Romeo L. Manalo
Chairman
Director/President
Director
Independent Director
Independent Director
Director
Independent Director
CARD MRI Hijos Tours, Inc.
Ms. Marilyn M. Manila
Ms. Jocelyn D. Dequito
Dr. Edzel A. Ramos
Mr. Frederick Nicasio M. Torres
Ms. Maria Karina V. Garilao
Mr. Guillermo G. Ramos Jr.
Mr. Miguel Martin D. Sarmenta
Chairman
Vice Chairman
Director
Director
Independent Director
Independent Director
Independent Director
CMIT, Inc.
Mr. Raul S. Dizon
Mr. Edgar V. Cauyan
Mr. Roderick G. Mercado
Ms. Marivic M. Austria
Mr. Julius Adrian R. Alip
Mr. Aristeo A. Dequito
Ms. Lyneth Derequito
Mr. Arthur A. Bautista
Mr. Gregorio Severino
Chairman
President
Director
Director
Director
Director
Director
Independent Director
Independent Director
FDS Asya Philippines, Inc.
Pak Deddy Arisanto Budiman
Mr. Raul S. Dizon
Mr. Roderick Mercado
Mr. Edgar Cauyan
Mr. Aristeo A. Dequito
Chairman
Vice-Chairman
President
Member
Member
FDS Asya Pte. Ltd
Mr. Andre Setijoso
Ho Su-Yen Cindi
Ms. Flordeliza Sarmiento
Ms. Lam Soon Wah
Pak Sutjahjo Boediman
Mr. Raul Dizon
Chairman
Secretary
Member
Member
Member
Member
CARD MRI Holdings, Inc.
Mr. Raul S. Dizon
Ms. Lousel E. Cortes
Ms. Janet D. Caneo
Mr. Aristeo A. Dequito
Mr. Manuel C. San Diego
Chairman
Director/President
Director
Director
Director
CARD MRI Property Management, Inc.
Ms. Marie Sharon D. Roxas
Ms. Maida B. Decano
Ms. Lousel E. Cortes
Ms. Janet D. Caneo
Mr. Manuel C. San Diego
Chairman
Director/President
Director
Director
Independent Director
CARD Myanmar Company Limited
Ms. Jean Pauline Landicho
Ms. Inzali Tun
Ms. Yupar Aung
Ms. Lousel Cortes
Ms. Reynilyn Roda
Ms. Ingyin May
Mr. Rodello Muscare
Chairman/Managing Director
Member
Member
Member
Member
Member
Corp. Secretary
CARD Masikhay
Ms. Lourdes B. Dijan
Mr. Michael SM. Borja
Mr. Daryl Dane C. Laggui
Ms. Ara Joyce L. Villegas
Ms. Lorenz Nicole C. Duna
Chairman/President
Member
Member
Member / Treasurer
Member / Corporate Secretary
PADAYON Microfinance Inc.
Ms. Elma B. Valenzuela
Ms. Marissa M. De Mesa
Dr. Flordeliza L. Sarmiento
Ms. Mary Jane A. Perreras
Ms. Cynthia B. Baldeo
Chairman
Trustee/Executive Director
Trustee
Trustee
Trustee
CARD OTTOKONEK, Inc.
Mr. Reginald Josiah Hamdani
Mr. Budi Hartono Tanusendjaja
Ms. Jaqueline Grace Imelda Sunarjo
Mr. Edgar V. Cauyan
Mr. Jeffrey R. Rilles
Ms. Marilyn M Manila
Chairman/President
Director
Director
Director
Director/Asst. Corporate Secretary
Corporate Secreatry / Treasurer
CARD INDOGROSIR, Inc.
Mr. Reginald Josiah Hamdani
Ms. Marilyn M Manila
Mr. Frederick Nicasio M. Torres
Mr. Joedianto Soejonopoetro
Mr. Haliman Kustedjo
Mr. Jeffrey R. Rilles
Chairman/President
Director/Corp. Secreatry / Treasurer
Director
Director
Director
Director/Asst. Corporate Secretary
CARD Clinics and Allied Services Inc.
Dr. Roderick G. Belen
Dr. Michelle Anne Q. Dy-Menil
Ms. Tria Marie S. Torres
Mr. Vicente P. Briones Jr.
Ms. Jocelyn D. Dequito
Dr. Edzel A. Ramos
Mr. Edgar V. Cauyan
BAKAWAN Data Analytics Inc.
Ms. Cynthia B. Baldeo
Mr. Roderick G. Mercado
Ms. Lorelie C. Alvero
Ms. Elma B. Valenzuela
Mr. Raul S. Dizon
Mr. Edgar V. Cauyan
Mr. Jigger M. Caneo
Chairman
Member/President
Member/COO
Member
Member
Member
Member
Bente Production
Mr. Hugo D. Yonzon III
Ms. Marilyn M. Manila
Mr. Guillermo G. Ramos
Dr. Edzel A. Ramos
Ms. May S. Dawat
Ms. Ma. Chona D. Casis
Ms. Cyrene Grace DC. Lubigan
Chairman
Vice-Chairman/President
Member
Member
Member
Member
Member
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