UCPB has built a lasting bond with its customers. It is a bank known for its superior level of customer service – what the Bank describes as personal and proactive service. Its standing is one of the reasons the Bank has been able to distinguish itself in the industry. In 1981, UCPB became the first private Philippine bank to obtain a universal banking license, paving its expansion into other commercial banking areas such as investment banking, trust banking, and other non-allied services. UCPB has also been among the first local banks to invade the customer service innovation space when it introduced an ATM service in the late 1980s. It has since established a multi-channel service delivery network that now includes telephone banking, internet banking, and mobile banking facilities, in addition to its 231 branches and 340 ATMs nationwide. Aside from being a local banking leader, UCPB is also a key player in countryside development. Through the UCPBCIIF Finance and Development Corporation and UCPB-CIIF Foundation, it implements various programs that benefit coconut farmers and their families. UCPB has a diversified range of financial services provided by the Bank and its subsidiaries to its various clients. UCPB Savings Bank is the Bank’s savings arm that caters to non-urban areas. UCPB Leasing and Finance Corporation provides leasing and commercial financing to medium-sized companies. UCPB Securities, Inc., an active member of the Philippine Stock Exchange, is the Bank’s securities arm which provides clients with access to the Philippine capital market. UCPB has been creating a positive banking experience for its customers through personal and proactive service. More than just a brand promise, this is what defines the Bank’s strength and stability that its customers, employees and shareholders can rely on.