In an environment characterized by increasingly thin spreads and harsh competition, the bank’s loan portfolio reflected a hefty growth due to a more focused approach to the market place emphasizing on small and medium business entrepreneurs. The bank’s policy allowed TRuBANK to respond rapidly to the needs of the micro-entrepreneurs.
Trubank devoted a significant amount of effort and resources to its aggressive expansion program that in 1997 and 1998, it increased its branch network from four to eight by end of 1998 and increased further to ten by the end of 2001 as a result of the merger. Another two branches in the Davao City area will increase the incentive brought about by the merger. This incentive broke the threshold of TRuBANK finally getting a branch in Davao City.