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NATIONAL HOME MORTGAGE FINANCE CORPORATION

ANNUAL REPORT 2015

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CONTENTS

3. Mission, Vision, Core Values, and Corporate Objectives

4. 2015 In Retrospect

7. Corporate Performance Scorecard 2015

9. In Preparation for ASEAN Integration

11. 2015 Highlights and Accomplishments

14. Financial Highlights

17. Statement of Management’s Responsibility for Financial Statements

18. Balance Sheet

20. Income Statement

21. Whistleblowing Policy

22. Board of Directors and Alternatives

26. NHMFC Executive Committee

27. NHMFC Officers

31. Regional and Satellite Offices

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MISSION

NHMFC shall be the primary government institution that will develop the secondary mortgage market and attract long-term funds to provide strong and sustainable housing finance.

VISION By 2017, the NHMFC shall be a major player in the housing finance industry and in the development of a sustainable and dynamic secondary mortgage market that is comparable with ASEAN peers.

QUALITY POLICY

Guided and driven by our mandate, the NHMFC, its officers and personnel are committed to:

- Provide liquidity to Partners and Clientele through Securitization of Loan Mortgages

- Deliver adequate assistance to its Clientele and Borrowers - Sustain value-driven alliance with its Partners

As we strive to achieve excellence in service delivery and customer satisfaction, we are committed to consistently comply with the requirements of our Quality Management System and continually improve its effectiveness.

CORPORATE GOALS AND OBJECTIVES

- Provide liquidity to the housing sector through securitization of mortgages/assets.

- Promote stability to the housing finance system through participation in the capital market.

- Establish an efficient and effective organization with a professional workforce utilizing best practices.

- Maintain efficiency in operation and efficacy in financial management to ensure sustainability of its programs.

- Manage its subsidiaries efficiently and effectively.

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2015 IN RETROSPECT

BAHAYBONDS Paving the way for a safe, high-yielding, and affordable savings instrument BahayBonds1, as of December 2015 ASSET SIZE P2, 060, 898, 053.43 PRINCIPAL Collection P1, 664, 627, 638.36 % to issue 80.8% Balance P396, 270, 415.07 % to issue 19.2% INTEREST Collection P952, 539, 139.88 BahayBonds1 PRINCIPAL SENIOR P1, 750, 000, 000.00 Payments P1, 275, 000, 000.00 Balance P475, 000, 000.00 Subordinated P310, 898, 053.43 Payments 0.00 Balance P310, 898, 053.43 COUPON PAYMENTS Senior P724, 480, 601.04 Subordinated P169, 107, 388.08

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BahayBonds2, as of December 2015 ASSET SIZE P603, 744, 442.46 PRINCIPAL Collection P252, 789, 438.44 % to issue 41.9% Balance P350, 995, 004.02 % to issue 58.1% INTEREST Collection P952, 539, 139.88 BahayBonds2 PRINCIPAL Senior Class A P300, 000, 000.00 Senior Class B P120, 000, 000.00 Subordinated P183, 744, 442.46 Payments 0.00 Balance P603, 744, 442.46 COUPON PAYMENTS Senior Class A/B P79, 200, 000.00 Subordinated P53, 281, 623.96

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HOUSING LOAN RECEIVABLES PURCHASE PROGRAM Lend more, earn more, and help more

Total Amount Purchased (in Million Pesos)

2014 – 353.71

2015 – 708.60

101% increase

Number of Accounts

2014 – 1592

2015 – 2542

60% increase

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2015 PERFORMANCE SCORECARD NATIONAL HOME MORTGAGE FINANCE CORPORATION

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2015 PERFORMANCE SCORECARD NATIONAL HOME MORTGAGE FINANCE CORPORATION

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IN PREPARATION FOR ASEAN INTEGRATION

Ever since its inception in 1977, NHMFC has made strides in becoming the primary government institution that will develop the secondary mortgage market and attract long-term funds to provide a strong and sustainable housing finance in the country. Despite various challenges encountered throughout its existence, NHMFC stands strong through its innovative and affordable housing finance programs and world-class quality service. Recent accomplishments have geared the Corporation towards its next goal in getting ready for ASEAN integration. Currently, the Philippines is recognized as one of the emerging countries with regards to economic growth with its developing population. Being part of ASEAN boosts the countries’ reputation, putting the nation in place among the world’s largest market. Seeing the potential of the country, NHMFC embarked on bringing the ASEAN countries in uniting its ideas and practices to further solve the ongoing housing backlog throughout the Asian nations. NHMFC has committed itself to providing the housing sector to the securitization of housing receivables, especially with the idea that “every Filipino deserves a home and it should never take long” has that spark of inspiration. As a pioneer at the housing finance market, NHMFC is anticipated to advance the world to more households along with its ASEAN counterparts. The Corporation joined the 1st AFIS and the Asian Secondary Mortgage Market Association (ASMMA) Roundtable Meeting hosted by Bank Negara Malaysia and co-hosted by Cagamas Berhad, ACI – Financial Markets Association of Malaysia and Malaysian Association of Corporate Treasurers (MACT) in Kuala Lumpur, which eventually paved the way in the creation of the Asian Secondary Mortgage Market Association of which the Philippines, through NHMFC, is now a pioneer member-nation. It was during this event that NHMFC agreed to host the 2nd AFIS and the roundtable discussion in Manila in 2015. Finally in September, NHMFC, in partnership with the CFA Society of the Philippines, hosted the 2nd AFIS and 2nd ASMMA Roundtable discussion held in Manila. The summit addressed the issues and challenges in promoting liquidity and market transparency in the ASEAN Region. After AFIS, the roundtable discussion enabled officials from the five secondary mortgage organizations from Malaysia, Thailand, Japan, Indonesia, and Philippines. During the roundtable discussion, NHMFC President Dr. Bustos was nominated and then elected as the next ASMMA chairman for the following year.

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One of the fruitful outcomes of the 2nd AFIS and ASMMA roundtable discussion was the partnership formed with the Korea Housing Finance Corporation (KHFC). It is with this formed unity that a Memorandum of Agreement was signed between the two housing agencies, signifying unity in addressing the housing backlog of both countries. Moreover, the exchange of ideas from each agency was initiated: providing services and issuing financial instruments that can help develop the housing finance and mortgage markets. A housing finance workshop was conducted after the signing, where the prospect of a Reverse Mortgage Program was discussed: allowing senior citizens to avail of credit based on their home’s value. It was at this partnership that both housing agencies saw a future for further cooperation not only between NHMFC and KHFC but with other countries that are part of ASMMA. ASEAN integration is fast approaching, and NHMFC has sparked strides in readying its manpower, and eventually the nation, to further address housing issues that is still evident in the country.

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2015 Highlights and Accomplishments 2nd ASEAN Fixed Income Summit

- The Philippines, through NHMFC, hosted the 2nd ASEAN Fixed Income Summit and the second ASMMA Round Table Discussion held in Manila. A momentous event for NHMFC, the summit gathered fixed income traders, portfolio managers, risk managers, and bond market practitioners in the ASEAN region to further provide insights and updates regarding the ASEAN market.

NHMFC Signs MOA with Korea’s KHFC

- NHMFC and its Korean counterpart, the KHFC, formed a Memorandum of Agreement to further strengthen the partnership between ASEAN secondary mortgage institutions; in sharing its best practices to further address the housing issues in Korea and in the Philippines.

NHMFC Remits Dividends to the National Government

- During the annual GOCC day at Malacañan, NHMFC remitted P68.69 million dividends to the National Government, representing 50% of FY2015 net earnings. Since 2012, the Corporation has remitted a total of P154 million to the national treasury.

ISO Certification for Foreclosure of Account / Custodianship of Title

- World-class quality service has been NHMFC’s commitment to the Filipino people since the Corporation was first ISO certified for its Rizal Division in 2012. This year, NHMFC expanded its ISO 9001:2008 Certification to its Foreclosure of Account / Custodianship of Title, along with its NCR and Luzon Accounts Servicing Divisions during the previous year.

ePayment for Juan and Juana Launch

- With the help of SMART Money, NHMFC introduced its new service, ePayment for Juan and Juana, a mobile payment service that lets its users pay their monthly amortizations at the touch of their mobile phones.

National Housing Fair

- Held annually, the 2015 National Housing Fair gave an in-depth look regarding the various government and non-government agencies’ programs and services in the housing sector. NHMFC provided counseling services and acquired assets for sale to its borrowers, and was able to award its clients and fellow stakeholders for supporting NHMFC.

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SHDA Housing Fair

- NHMFC presented its programs and provided counseling to the attendees of the housing expo held by the Subdivision and Housing Developers Association.

NHMFC Appears in Philippine Realty TV

- Philippine Realty TV, the first real estate TV show for Filipinos worldwide, featured NHMFC as the premiere secondary mortgage institution in the country. Former Miss Universe 1st Runner Up Ms. Miriam Quiambao graced the offices of NHMFC to give the Filipino people a deep understanding of NHMFC’s products and services.

Interviews with ANC and DZRH

- NHMFC President Dr. Bustos provided insights regarding the countries’ financial state and provided further explanation regarding HLRPP with media appearances at ANC’s On The Money and DZRH’s Radyo Natin.

NHMFC-HOMEAI CNA Signing

- The Home Mortgage Employees Association Inc. (HOMEAI) signed a Collective Negotiation Agreement with NHMFC to improve public service and continuous employee development. Part of the agreement was NHMFC’s commitment in extending support to its manpower, with regards to pursuance of further studies and regular vaccinations to ensure a productive workforce.

Risk Management Training

- In the previous year, select NHMFC employees underwent a Financial Risk Management Seminar to hone their skills on using different financial instruments to minimize credit and market risks. This year, the select team echoed their acquired knowledge and skills to their co-workers in an effort to spread proper risk management to NHMFC’s manpower.

Moral Recovery Program Seminar

- A tripartite agreement between NHMFC, HOMEAI, and the Moral Recovery Officers Foundation, Inc. (MROFI) formed the Moral Recovery Program: a series of ongoing projects, workshops, and seminars that will continuously the importance of being a public servant.

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DAP Awarding and Graduation - A total of 7 employees since 2012 graduated from the Development Academy of the Philippines’ Development Academy Program. Corporate Planning Session 2015

- In order to have a clearer view on the Corporation’s mission and goals for the year, NHMFC officers held a two-day planning session facilitated by NHMFC President Dr. Bustos, as everybody laid out their accomplishments and targets for 2016.

NHMFC Team Building

- Employees were treated to weekend-long activities to instill teamwork and unity to reach the Corporation’s various goals.

Presidential Summer Youth Program

- High school and college students were given the chance to experience working for NHMFC during the summer as part of the Corporation’s Presidential Summer Youth Program.

Visiting the kids of Asociacion De Dama De Filipinas

- An orphanage located in Manila, the kids of Asociacion De Dama De Filipinas are given the chance to feel to be with a family and feel special. NHMFC officers provided a surprise visit to these kids, providing entertainment through fun-filled activities.

FINANCIAL HIGHLIGHTS

National Home Mortgage Finance Corporation’s financial performance in CY 2015 showed positive results, an improving balance sheet, and a slight improvement

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in cash flows from operating and investment activities which yielded an increase in cash flows by 13% to P1, 052 million from the P931 million registered in the previous year (2014). The growth was mainly attributable to proceeds from matured short-term investment, Subsidy for Community Mortgage Program from National Government, Other income and Other receipts. NET INCOME The Corporation obtained strong financial results as shown by the net income registered at P775 million at the end of the calendar year 2015. The increase in net income was mainly due to the decrease of financial expenses recorded at P164 million as against the level of 2014 of P179 million. Financial expenses consisted largely of interest expense on NHMFC's loan restructuring with the Funders. The interest expense item for 2015 was decreased by P14 million or 8%, and bank charges by P620 million or 19%. However, Financial expenses for 2013 were higher by P17 million than the level of 2014 due mainly to higher interest expense of P193 million. Furthermore, NHMFC has been known for the innovative Bahay Bonds (BB) issuances for the past three (3) years. TOTAL ASSETS The Corporation's total Assets of P34, 940 million was higher than the previous year's total of P34, 761 million by 1%. The slight improvement could be traced to: 1. The recording of cash equivalents from the current assets of P1, 052 million as compared from 2014 of P931 million or 13%. 2. The Long-term investment from the Non-current assets amounting to P13, 992 million or 8% increase from the prior year. 3. The Property and Equipment, net of depreciation, from the Non-Current Assets increased by 37 million or 33%. REVENUES

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The NHMFC generated total revenues for the period January to December 2015 in

the amount of P719 million or 5% reflecting increases across major revenue streams

by P33 million. The large source of revenues was other income which accounted for

221% increase. The second large source was interest income at 5%.

The following illustrates the composition of revenues for 2015 – 2014

REVENUES Interest Income Service Income Miscellaneous Income Other Income

Jan.- Dec. 2015 Jan.-Dec 2014 Increase/Decrease Amount

Growth Rate

367,799,226.78 349,248,640.88 18,550,585.90 5 14,843,460.36 20,330,946.32 - 5,487,485.96 - 27 319,580,772.01 329,710,624.27 - 10,129,852.26 - 3 16,678,147.97 (13,750,218.25) 30,428,266.22 221

GROSS REVENUE 718,901,507.12 685,539,993.22 33,361,513.90 5 The total revenues reported in the interest income consist of the following: January-December 2015

1. Folio I P 365,812.88 2. Installment Sales-OP 252,231.49 3. Folio II - COCMD 237,959,021.91 4. HLRPP-COCMD 86,556,910.86 5. PEA- COCMD 6,435,040.06 6. Sales Contract Receivables - COCMD 9,210,893.61 7. Folio I - FAMG 3,904,349.05 8. Installment Sales - FAMG 6,096,014.92 9. Sales Contract Receivables - FAMG 17,018,952.00 TOTAL - INTEREST INCOME 367,799,226.78

Other income registered significant increase consists of:

1. Gain/(Loss) on Sale of Securities P 28,123,144.92 2. Unrealized Gain/(Loss) on Sale of Gov't Securities

(11,445,096.95)

TOTAL OTHER INCOME P 16,678,047.97 EXPENSES

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Compared with the level of last year, total expenses increased by P30 million or 5%, which could be traced to the increment in the following: 1. Salaries and wages of P93 million due to the 4% increase in salary; 2. Other personnel benefits of P51 million due to: a) 7% increase in CNA b) 12% increase in economic subsidy c) 585% or increased by P6.5 million in Productivity Enhancement Pay d) 6% increase in provident fund contribution 3. Travelling expense were up P6 million or increased by P2 million or 65% from the prior year of P4 million. 4. Office space rental of 4% as a result of increase in rental rates. 5. Other maintenance and operating expenses increased by 417% or increased by P64 million higher than the previous year's total of P15 million. This mainly due to the increased in Litigation and foreclosure expenses by as much as P63 million or 1,993% from the prior year of P3 million. 6. Miscellaneous expenses by 64%, and PRAISE by 9%.

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BALANCE SHEET

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Balance Sheet

Note: The audited financial statements were uploaded and released within 60 days upon receipt from COA.

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Income Statement

Note: The audited financial statements were uploaded and released within 60 days upon receipt from COA.

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WHISTLEBLOWING POLICY PURPOSE To enable an individual to report (whether or not anonymously) acts or omissions of Directors, Officers, and Employees that are illegal; unethical; in violation of good governance principles; against public policy, procedures, rules and regulations; or grossly disadvantageous to NHMFC or the Government, including bribery, conflict of interest, inefficiency, malversation, misconduct, money laundering, negligence of duty, nepotism, and plunder.

THE WHISTLEBLOWER He must: (1) act in good faith; (2) have personal knowledge of, or involvement in, the commission of the wrongdoing; (3) have independent evidence of the commission of the wrongdoing, which evidence is not in the possession of any government agency; (4) have evidence that is admissible and could be corroborated or supported in its material points; (5) not appear to be the most guilty person in the commission of the act or omission subject of the whistleblowing report; (6) have filed a legitimate whistleblowing report and not a personal grievance against the person complained of.

WHERE TO REPORT www.whistleblowing.gcg.gov (the whistleblowing web portal of the Governance Commission for GOCCs as the primary reporting channel for whistleblowers) Alternate reporting channels are also available.

CONFIDENTIALITY Whistleblowing reports, including the identity of the whistleblower and the person complained of, shall be treated in a confidential and sensitive manner.

ANONYMOUS REPORT An anonymous whistleblowing report may be entertained when there is obvious truth or merit to the allegations, or the allegations are supported by documentary or direct evidence, or the whistleblowing report contains sufficient particulars to enable the taking of further action.

PROTECTION AGAINST RETALIATION The whistleblower shall be protected against retaliation, intimidation, harassment, or other adverse actions. Any person found guilty of these acts shall be subject to disciplinary action. Examples of retaliatory acts are discrimination or harassment in the workplace; demotion; reduction in salary or benefits; or any acts or threats that adversely affect the rights and interests of the whistleblower.

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BOARD OF DIRECTORS

Name Age Qualifications Date of 1st

Appointment Relevant Experience Directorships in listed / non-listed Corporations

Trainings Attended

Jejomar C. Binay (Housing

& Urban Development Coordinating

Council)

73

University of the Philippines -

Bachelor of Laws 1967

19-Jul-10

Claims Examiner - Insular Life Insurance

Company

Director - Metropolitan Waterworks and

Sewerage - May 1987 to November 1987; July 1990 to August 1991

Legal Counsel - Office of Counselor Carlos

Loyzaga

Director (1987); Board Member (1998) - Laguna

Lake Development Authority - June 1987 to

November 1987; July 1998 to January 2001

Harvard University John F. Kennedy

School of Government -

Senior Executive Fellows Program

1992

Assistant Attorney - Deogracias T. Reyes and

Associates

Director (1987); Board Member (1998) -

Technological Livelihood and Research Center -

June 1987 to November 1987, July 1998 to

January 2001

Chito M. Cruz (Housing &

Urban Development Coordinating

Council)

55

College of Law - Ateneo de Manila -

1985

31-Jul-15

General Manager - National Housing

Authority (2010 - July 2015)

Corporate Secretary - Subic Executive Lofts

Condominium Corporation (2009 -

2010)

AB Economics - Ateneo de Manila -

1981 Chairman - Subic Technopark, Inc.,

Japanese Technology Park, Subic Bay Freeport

Zone (1999 - 2004)

Dr. Felixberto U. Bustos, Jr.

(National Home Mortgage Finance

Corporation)

68

University of the Philippines - BS

Chemical Engineering

15-Dec-11

Professor - Asian Institute of

Management

Director - Social Housing Finance Corporation

2nd ASEAN Fixed

Income Summit -

September 2015

Master of Business Administration -

Columbia University

Managing Director - Credit Rating and Investors Services

Philippines Inc. Chairman, Audit Committee - Philippine

Electricity Market Corporation

4th Asia Pacific House Forum

Doctor of Business Administration - University of the

Philippines

Executive Vice President - Landbank of the

Philippines

5th Global Housing Finance

Conference

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Past President - CFA Institute Philippines

Amando M. Tetangco Jr.

(Bangko Sentral ng Pilipinas)

63

AB Economics - Ateneo de Manila

University

July 4, 2005 - July 2, 2011

SGV & Co. (1973-1974) Member: PSA, PES, MAP

Co-Chairman - National Commission on Savings

MBA - Ateneo de Manila University

Vice Chairman - Agricultural Credit Policy

Council

MA in Public Administration (Concentration Development Economics) - University of

Wisconsin, Madison USA

Director - Philippine Deposit Insurance

Corporation, PHILEXIM, Strategic Investment

Development Corporation, Philippine Retirement Authority

Cesar V. Purisima

(Department of Finance)

56

MBA - JL Kellogg Graduate School of

Management, Northwestern

University, Chicago Illinois - 1983

30-Jun-10

Secretary - Department of Finance (2010 -

present)

Member - Global Board of Anderson Wordwide

(1999 - 2002)

BS in Commerce,

Major in Accounting &

Management of Financial

Institutions - De La Salle University -

1979

Secretary - Department of Trade and Industry

(2004)

Global Executive Board - Ernst and Young (2003 -

2004)

Secretary of Finance - 2005

Chairman and Managing Partner - SGV & Co.

(1999 - 2004)

Florencio B. Abad

(Department of Budget and

Management)

61

Master in Public Administration,

Kennedy School of Government -

Harvard University, Massachussetts

30-Jun-10

Secretary - Department of Budget and

Management (2010 - present)

Business Management -

Ateneo de Manila University - 1980

Secretary - Department of Education (July 2004 -

July 2005)

Member - House of Representatives, District of Batanes (June 1995 - June 2004, June 1987 -

December 1989)

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BOARD OF DIRECTORS

Name Age Qualifications Date of 1st

Appointment Relevant

Experience

Directorships in listed / non-listed

Corporations Trainings Attended

Cecilia S. Alba (Housing and

Urban Development Coordinating

Council)

56

MBA - Ateneo Graduate School

21-Jan-11

Vice President - Social Housing

Finance Corporation (July

2010 - January 2011)

International Executive Education

Course: Housing Finance in Changing

Global Environment - Wharton School,

University of Pennsylvania, USA -

June 2013

BS in Business Economics -

University of the Philippines (1982)

Deputy Secretary General - Housing

and Urban Development Coordinating

Council (May 2006 - June 2010)

Director IV, Programs and

Directives Monitoring Office

- Presidential Management

Staff, Office of the President (April

2001 - May 2006)

Worldbank Knowledge Exchange

Visit on Slum Upgrading and

Housing Programs - Brazil - November

2013

Proposed Knowledge Exchange Visit in

Jogjakarta Indonesia on owner-driven and

Community Based Approach on Housing

Repair and Reconstruction - May

2014

Diwa C. Guinigundo

(Bangko Sentral ng Pilipinas)

61

AB Economics - University of the

Philippines

25-Jan-10

Deputy Governor, Monetary Stability

Sector - Bangko Sentral ng Pilipinas

- (July 2005 - present)

Managing Monetary Policy During Crisis

3rd SEACEN/CCBS/BOE

Advanced Course on Macroeconomics and

Monetary Policy Management - Brunei

Darussalam (March 2010)

M. Sc. Degree in Economics - London School of Economics

Assistant Governor in

Charge of Research and International Operations -

Bangko Sentral ng Pilipinas (March 2004 - July 2005)

Financial Sector Reform and Growth Rebalancing in Asia

OECD-ADBI 11th Round Table on Capital Market

Reform in Asia - ADB Institute, Tokyo,

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Japan (February 2010)

Ma. Teresa S. Habitan

(November 2015 -

December 2015)

Department of Finance

58

Master in Development

Studies (Economic Policy and Planning) - Institute of Social

Studies, The Hague, Netherlands

3-Nov-15

Assistant Secretary and OIC, Corporate Affairs

Group, Department of

Finance (February 2014 - present)

Chair and Focal Person, Extractive

Industries Transparency

Initiative Multi-Stakeholder Group

Reform Communication,

Leadership, Strategy, and Stakeholder

Alignment - World Bank Annenberg

Summer Institute, University of

Southern California, Los Angeles,

California, USA - (June 2014)

Assistant Secretary,

Domestic Finance Group,

Department of Finance

(December 2009 - February 2014

Chair, Extractive Industries

Transparency Initiative Technical

Working Group

BS in Economics - University of the

Philippines (1977)

Focal Person, PH-EITI Chair, Multi-

Stakeholder Group (June 2014 -

Present

Alternate for the Chair - National

Power Board Transco, PSALM, Investment

Coordination Committee, Public-Private Partnership

Governing Board

"Financial Development in Asia and Korea" Seminar - Seoul, Korea (October

2011)

Charisse P. Hipolito

(January 2015 - October 2015 Department of

Finance

Mario L. Relampagos

(Department of Budget and

Management)

64

Master of Arts in Economics -

University of the Philippines (1972-

1973, 1978)

16-Aug-10

Undersecretary, Department of

Budget and Management

(February 2000 - present)

Bachelor of Arts in

Economics - University of San Carlos, Cebu City

(1968 - 1971)

Acting Secretary, Department of

Budget and Management

(January 2004 - April 2004)

Assistant Secretary,

Department of Budget and

Management (1998 - January

2000)

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NHMFC EXECUTIVE COMMITTEE Dr. Felixberto U. Bustos, Jr. President Atty. Siegfried Eric G. Lapasaran Vice President – Chief of Staff Office of the President Livia Alicia R. Ramos Executive Vice President Rosabella C. Jose Vice President Securitization Group Atty. Erika Kathryn B. Fernandez-Aguas Officer-in-Charge Office of the Corporate Secretary Ramon O. Castañeda Vice President Fund and Asset Management Group Ma. Victoria A. Alpajaro Vice President Collection and Accounts Management Group Lourdes C. Bacani Officer-in-Charge Corporate Support Services Group

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NHMFC OFFICERS

Aireen B. Ogrimen Corporate Executive Officer I Office of the President, Office of the Corporate Secretary

Editha O. Sta. Ines Officer-in-Charge Internal Audit Department

Paz Divina A. Caballero Officer-in-Charge Risk Management Department

Angelina Ancheta Officer-in-Charge Systems Audit Division

Jessie F. Sergote Officer-in-Charge Public Affairs & Marketing Department

Nerissa Reyes Officer-in-Charge Operations Audit Division

Jaena V. Mallari-Rosal Officer-in-Charge Corporate Planning Division

Rajewen Zabala Technical Assistant Office of the Executive Vice President

Ma. Nemia Marienne C. Benosa Officer-in-Charge Quality Management Systems Division

Marluna A. Sarmiento Division Chief Insurance Division

Rodel E. Leocario Officer-in-Charge Strategic Relations Management Department

Gwendolyn R. Remorin Officer-in-Charge Human Resource Management Department

Ma. Cecilia Purificacion Officer-in-Charge Banks and other Financial Institutions Division

Rhodelyn Salazar Officer-in-Charge Recruitment and Selection Division

Atty. Dante M. Patapat Compliance Officer Office of the Corporate Secretary

Agnes Masangkay Officer-in-Charge Compensation and Benefits Division

Marissa M. Sotto Technical Assistant Office of the Corporate Secretary

Caesar G. Pareja Jr. Technical Assistant Corporate Support Services Group

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Atty. Rodolfo N. Erbon Department Manager Legal Department

Nepomuceno SA. Reyes, Jr. Division Chief NCR Division

Atty. Nestor A. Formaran Attorney IV Legal Services and Documentation Division

Cecilia Guzman Officer-in-Charge Rizal Division

Engr. Jeffrey F. Calimlim Officer-in-Charge Administrative Department

Ronilo Jiongco Officer-in-Charge Cavite Division

Rubirosa Alvarado Officer-in-Charge Asset Valuation Division

Rex B. Amo Division Chief Laguna Division

Silverio M. Morilao Officer-in-Charge General Services Division

Imelda Cajayon Officer-in-Charge Telemarketing Unit

Lizalyn V. Candalario Officer-in-Charge Central Records and Mailing Division

Noe R. Valencia Department Manager Regional Accounts Servicing Department

Nora Encina Officer-in-Charge Information Systems Division

Aurea Sebastian Division Chief Luzon Accounts Servicing Division

Ana Yalong Technical Assistant Collection & Accounts Management Group

John Albert Suarez Officer-in-Charge Visayas Division

Myrna Quimson Officer-in-Charge Remedial Accounts Division

Jose B. Macuto Division Chief Mindanao Division

Adornico Redondo Jr. Officer-in-Charge Central Office Collection Management Department

Luisa A. Banua Chief Mortgage Accounts Specialist Fund and Asset Management Group

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Irenea F. Nario Officer-in-Charge Corporate Accounting Department

Loida R. Raymundo Division Chief Custodianship Division

Alicia Jalocon Officer-in-Charge Accounting Services Division

Romeo S. Roldan Department Manager Treasury Department

Yumina Pablo Division Chief Accounts Database Management Division

Alma Dela Chica Division Chief Cash Management Division

Cynthia M. Mayo Officer-in-Charge Controllership and Budget Department

Grace Cañasa Officer-in-Charge Investment and Liquidity Management Division

Margie Barbiran Officer-in-Charge Budget Monitoring and Management Division

Romulo N. Cuaresma Chief Investment Specialist Liabilities Management Division

Jhonny Custodio Officer-in-Charge Budget Planning Division

Josephine Q. Sarangaya Corporate Executive Officer I Securitization Group

Ma. Lourdes Valdueza Officer-in-Charge Review and Analaysis Division

Mark Natalio Sumisim Officer-in-Charge Mortgage Acquisition Department

Engr. Rovic J. Mande Officer-in-Charge Asset Management Department

Zenaida Galang Officer-in-Charge Sourcing and Acquisition Division

Mercedita SJ. Lorenzana Division Chief Acquired Assets Division

Atty. Victor Allan B. Hilao Chief Mortgage Documents Review Specialist Processing and Pricing Division

Edmundo Garais Officer-in-Charge Special Accounts Servicing Division

Maria Luisa M. Favila Department Manager Structuring and Packaging Department

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Lourdes P. Duman Division Chief Securities and Monitoring Division

Roland Molina Officer-in-Charge Product Development Division

Nora Melaya Officer-in-Charge Sales and Trading Division

Carolina C. Cortez Department Manager Trust Services Department

Gloria Panganiban Officer-in-Charge Trust Servicing Division

Ricky Saldivia Officer-in-Charge Monitoring Compliance Division

Rundstedt Jalbuna Officer-in-Charge Credit Scoring Division

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Regional and Satellite Offices Bacolod Desk Office John Albert Suarez – Area Head Villasor Building Cor. San Juan & Luzurriaga St., Bacolod City (034) 433-78-54 | (034) 434-18-31 bacolod@nhmfc.gov.ph Cebu Desk Office Randyl Espinosa – Area Head Room 304 No. 57 Machay Building, Gorordo Avenue, Cebu City (032) 231-13-79 | (032) 232-05-78 cebu@nhmfc.gov.ph Cagayan De Oro Desk Office Leonida Sabio – Area Head Mezzanine Floor, Consuelo Building, Corrales Avenue, Cagayan de Oro City (088) 857-39-51 | (088) 850-42-55 cdo@nhmfc.gov.ph General Santos Desk Office Maristella Rebaya – Area Head 2nd Floor, RD Building, Magsaysay Avenue, Salazar St., General Santos City (083) 302-16-44 | (083) 552-08-60 | (083) 302-16-44 gensan@nhmfc.gov.ph Davao Satellite Office Jose Macuto – Satellite Head Room 1-H Anda Corporate Center, F. Inigo St., Davao City (082) 221-68-70 | (082) 300-79-61 | (082) 221-00-48 davao@nhmfc.gov.ph Cavite Satellite Office Ronilo Jiongco – Satellite Head 2nd Floor, LDB Building, Tanzang Luma 2, Imus, Cavite (046) 683-42-58 | 0919-626-9000 | 806-01-62 cavite@nhmfc.gov.ph Laguna Satellite Office Rex Amo – Satellite Head 2nd Floor, Lennox Building, Barrio Tagapo, Sta. Rosa, Laguna (049) 838-79-58 | (049) 502-49-47 | (049) 838-79-58 laguna@nhmfc.gov.ph

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National Home Mortgage Finance Corporation 104 Filomena Building III, Amorsolo Street, Legaspi Village, Makati City Public Affairs & Marketing Department - 892-52-43 www.nhmfc.gov.ph www.facebook.com/NHMFC.ph www.twitter.com/NHMFCOfficial inquiry@nhmfc.gov.ph