THE PRESENT AND FUTURE OF NORTHPOINT DEVELOPMENT BANK, INC.

Northpoint Development Bank, Inc., currently has two (2) branches and thirty (30) Branch-Lite Units (BLUs). Its Head Office is located in the City of San Pedro, Province of Laguna while the other Branch is in the City of Urdaneta in Pangasinan. The BLUs are scattered around Luzon, particularly in the areas of NCR, Cavite, Laguna, Quezon, Tarlac, La Union, Ilocos Sur, Ilocos Norte, and Pangasinan. Farthest branch in the North is Laoag, in Ilocos Norte, while in South is Ligao, Albay. In the next few years, Northpoint Development Bank, Inc., is planning to increase the number of its BLUs and expand in other areas to reach more clientele. As we expand our area, we expect to further improve our growth in resources and profit.

The Bank is currently offering the basic banking services of deposit taking and lending to Micro Businesses and Small Medium Enterprises (mSMEs). Full capacity has not been maximized as we still lack the other services provided by other Thrift Banks such as other type of loans (e.g., Real Estate Loan), remittance, bills payment, atms, and many more. The Bank is constantly studying opportunities to improve its operations to provide value added services to our existing and potential customers.

As the world is now becoming more technologically advanced and digital, enabling banking transactions to go online, web-based and mobile, Northpoint Development Bank, Inc., has also started improving its system, making some of the processes much more efficient and automated. These include our loan management, financial reporting, serving notices, and many more. Various developmental trainings have been conducted to ensure the required manpower competencies have been met.