About Us
Cebuana Lhuillier is the leading microfinancial services provider in the Philippines. Established in 1953 under Agencia Cebuana and later adopting its trade name Cebuana Lhuillier in 1987, this distinguished Filipino company has been dedicated to fulfilling its vision of empowering Filipinos through accessible financial services. Cebuana Lhuillier’s core offerings encompass a wide range of essential financial solutions, including pawning, microinsurance, banking services, loans, customized business-to-business solutions, and money transfer services such as domestic remittance, cash in cash out, bills payment, eload, remit to account, and digital to cash, instapay services. With almost 3,500 branches nationwide, Cebuana Lhuillier continues to be true to its core mission of breaking barriers in finance through effective financial inclusion offerings.
Our Manifesto
Who are we? We are a Filipino company with a dream of empowering Filipinos through financial services, anytime and anywhere, from city to seaside, from every far-flung corner of a 7,000-island nation.
Who are we? We are the connection, the link that binds families, the bridge between islands, the bond uniting the people.
Who are we? We are Cebuana Lhuillier, a company born at the heart of the Philippines. Founded in Cebu in 1953, beginning with a single branch and a single-minded goal to empower disadvantaged Filipinos everywhere through financial inclusion and mobility. From our humble beginnings, we transformed ourselves into an expansive network with thousands of branches nationwide, thousands of domestic partner doors, and millions of partner doors all over the world. Today, we not only span the country, but multiple industries. And through our proprietary technology and impressive reach, we help millions of customers near and far so no one will ever be left behind.
Who are we? We are your most trusted financial partner, and we believe that every Filipino should have access to financial services. We are here to provide immediate and reliable bridge financing to help you achieve a better tomorrow, to let you send and receive financial care to your loved ones from here or abroad, to empower you with an affordable means to protect yourself and your family, to give everyone an opportunity to start their journey towards financial wellness through savings, to provide access to affordable investments, to make life more rewarding for everyone, and to share relevant services for your every need.
We work hard every day to serve all walks of life through our TechBrick advantage that provides cutting-edge solutions for all our customers wherever they may be. We are continuously revolutionizing the microfinance services industry through multiple apps that provide a more convenient and accessible array of microfinancial services to respond to the changing needs and lifestyles of our customers. With the customer as our priority, our TechBrick strategy creates a seamless transition between multiple online platforms and our expansive branch network, allowing us to assist our customers with their financial needs whenever, wherever.
Above all, we are a company with a heart, uplifting the lives of Filipinos so they can catch up with the rest. We help give the youth the education they deserve, we provide an avenue for people to excel, and we are always willing to extend a helping hand when our fellow Filipinos need it the most. Because that is who we are—we are entrepreneurs and innovators, we are game-changers, all because the Filipino deserves better. Through financial inclusion, we are here to improve the lives of Filipinos everywhere. We are Cebuana Lhuillier.
Company Mission
Company Vision
We will empower Filipinos through financial services anytime and anywhere.
Values
Innovation. Respect. Integrity. Teamwork. Excellence. Social Responsibility
PURPOSE
We believe that every Filipino should have access to financial services.
OUR HISTORY
Through the years, we have grown to become one of the country’s strongest financial services companies.
Since opening our first Agencia Cebuana in Cebu, we have been undergoing breakthroughs to achieve our vision of becoming the best.
Agencia Cebuana adopted Cebuana Lhuillier as its trade name.
We expanded bullishly nationwide.
Total number of our branches exceeded 200.
Cebuana Lhuillier Services Corporation, our money remittance and auxiliary financial services arm, was established.
Eldest son Jean Henri Lhuillier assumed the duties of his father Philippe Jones as Executive Vice President and General Manager.
Cebuana Lhuillier Rural Bank, our banking arm, was established.
Cebuana Lhuillier Insurance Solutions, our insurance arm, was established.
Cebuana Lhuillier opened its 700th branch and was recognized as the largest chain of pawnshops in the world by Guinness World Records.
The Chamber of Pawnbrokers of the Philippines honors Ambassador Phillipe J. Lhuillier with its Presidential Award for his unrelenting service to the industry.
Sarah Geronimo became the brand ambassadress of Cebuana Lhuillier.
We incorporated the latest technology in our branches for faster, smoother, and better services. Our pawning business became the first in the industry to take advantage of computer systems and applications to innovate and diversify our services.
E-load service was made available in all branches through a system developed internally through partnerships with telecommunications companies.
We became the first in the industry to use SMS to improve our services. We were the first to send an expiry notice through SMS and in the following year, we sent the first remittance receipt notice through SMS—both considered breakthroughs in the industry.
We introduced our loyalty rewards program, 24k Rewards Program, another first in the industry.
We introduced our collections service to companies.
The bills payment service was offered through direct partnerships with utility companies, schools, and other partners.
Our pawning business introduced the Renew Anywhere service in all our branches.
Our branches hit the 1,500 mark.
Our partner companies officially exceeded 80, a feat in the industry.
Our 24k Rewards Program had its 2,500,000th member.
We staged our grandest event yet—a series of nationwide concerts which we called Pistahang Cebuana, featuring Sarah Geronimo—to celebrate our 25th anniversary.
Coco Martin became part of our family.
We established our first overseas branch in Hong Kong
Our 24k Rewards Program already reached five million members.
We opened a marketing office in Dubai.
Our number of branches reached over 1,800.
CLIS obtained ISO 9001:2008 certification.
We added OFW Loans to our roster of products.
Alden Richards became part of our family.
Launched the new Cebuana Lhuillier Finance Corporation to widen its service from pawning to other non collateralized micro loans.
We formed the Cebuana Lhuillier Marketing Services, Inc. to extend our services to corporate account units, SMEs, and micro entrepreneurs.
We celebrated our 30th year with a 3 part concert in Mall of Asia Arena, The Hoops Dome in Cebu and USEP in Davao.
Our number of branches reached over 2,200.
We became the Philippine’s Premiere Micro Financial Institution and The Country’s Largest Lending Network.
We implemented a disaster resilience campaign launched via a Forum and capped by giving free insurance to 1M Filipinos during the “Pilipino Protektado Day.”
We reached more than 1,000,000 partner locations globally and more than 4,000 partner locations locally.
Cebuana Lhuillier loyalty rewards program, 24K, reached more than 9M members.
Launched Cebuana Lhuillier Micro Savings, a product intended to provide Filipinos with a more convenient and affordable means to save their hard-earned money.
We reached the 1 million mark for Micro Savings account holders in June 2019.
Launched eCebuana with Cebuana Lhuillier Rural Bank that offers Micro Savings account management, sending money, remittance and buying eLoad.
Grew from 2,200 to 2,500 Cebuana Lhuillier branches nationwide
Launched Cebuana Lhuillier Quikz in partnership with Pangea Money transfer
Launched Cebuana from Home that helped Filipinos avail of Cebuana Lhuillier products and services online despite the COVID-19 pandemic.
Reached 4 million Micro Savings account holders.
Over 30 million clients through its more than 2,500 branches with 20,000 domestic partners and 1.7 million physical and virtual touchpoints.
Transformation of CLIS to Cebuana Lhuillier Insurance Brokers Inc
Transformation of CLIS to Cebuana Lhuillier Insurance Brokers Inc
– Opened the Cebuana Lhuillier Bank Cebu, the first-ever CLB branch outside Luzon. CLB also added Ka-Cebuana Teacher’s Loan to their roster of loan products. Through their strong partnership with the Department of Education, they were able to close the 1000th Ka-CTL loaner.
Opened the Cebuana Lhuillier Bank Cebu, the first-ever CLB branch outside Luzon. CLB also added Ka-Cebuana Teacher’s Loan to their roster of loan products. Through their strong partnership with the Department of Education, they were able to close the 1000th Ka-CTL loaner.
24k reached 20M members
24k introduced the Coupon Rewards Program
– With a vision to shield its valued ka-Cebuanas from the uncertainties of life, Cebuana Lhuillier Insurance Brokers, Inc. launched its breakthrough product, HealthMax, a health insurance product with coverage of up to P150,000 for hospitalization and Miners Protect, a revolutionary insurance policy designed for small-scale miners. – True to its dedication to spread financial literacy to more Filipinos nationwide, Cebuana Lhuillier Foundation, Inc. in partnership with Cebuana Lhuillier Bank launched the re-envisioned Iponaryo campaign to deliver practical ways to guide the underbanked towards financial wellness.
– Cebuana Lhuillier strengthened its jewelry business with the launch of the Jewelry Hub and the Mini Gold Bar.
– Cebuana Lhuillier introduced the Kanegosyo Center to empower MSMEs. – Introduced groundbreaking loan products, like motorcycle loans and OFW loans.
Amb. Philippe Jones Lhuillier
CHAIRMAN AND FOUNDER
Jean Henri Lhuillier
PRESIDENT AND CEO
PHILIPPE ANDRE LHUILLIER
SENIOR EXECUTIVE VICE PRESIDENT
MANAGEMENT COMMITTEE
Ergilio Ong
Senior Vice President and Group Head
Digital Products
Annette Tirol
Senior Vice President and Group Head
Customer Engagement and Market Development
Allan Malig
First Vice President and Group Head
Information and Communications Technology
Anthony Lou M. Bernabe
General Manager and Group Head
Cebuana Lhuillier Insurance Brokers, Inc.
Christine Syjueco
First Vice President and Group Head
Retail Business Group
Dennis Valdes
First Vice President and Group Head
Cebuana Lhuillier Rural Bank
Erlinda Sumañga
First Vice President and Group Head
Money Transfer
Filemon Cecilio Cabungcal
First Vice President and Group Head
Finance
Jo-Ann Tacorda
First Vice President and Group Head
Corporate Services
Jose Miguel Jimenez
First Vice President and Group Head
Pawnshop Operations
Michael Sena
First Vice President and Group Head
Integrated Marketing and Communications
ATTY. MARIA ROSARIO E. EREÑO
First Vice President and Group Head
Legal Services
Rozelyn Torreno
Executive Assistant to the CEO
Office of the President
Ruth Viray
First Vice President and Group Head
Shared Services Center
Severino Gonzales
First Vice President and Group Head
Properties
General Managers
Elesa Modiquillo
GENERAL MANAGER
Just Jewels
Gilbert Uy
GENERAL MANAGER
Bacau Bay Coron
SEALS OF EXCELLENCE
As we continue to serve the local and international markets, our commitment to always provide our clients with excellent service remains to be the integral mission of our organization. In the recent years, our efforts have been recognized by different award-giving organizations, both local and international.
EXCELLENCE IN LEADERSHIP, PJ Lhuillier Group of Companies
- Philippine Quill Awards 2020: Internal Communication Category; Marketing Advertising and Brand Communication Category; Customer Relations Category; Corporate Social Responsibility Category
- Learning Elite Award: 2020 Gold Awardee
- International Business Award 2020: International Service Excellence Award for Customer Focused Innovations (CSIA)
Golden Bridge Awards 2020
GRAND WINNER
- Gold Award for Communications or PR Campaign of the Year for Community Relations
- Gold Award for Communications or PR Campaign of the Year for Financial Services & Investor Relations
- Gold Award forCommunications or PR Campaign of the Year for Internal Communications
- Gold Award for Communications or PR Campaign of the Year for Public Service
- Gold Award for Live Event of the Year for Product or Service Launch Event
- Silver Award for Other Services : Cebuana Lhuillier Micro Savings
- Bronze Award for Most Innovative Company of the Year
Stevies 2020
- Gold: Art, Entertainment & Public – Live Event – Cebuana Lhuillier Micro Savings launch Communications or PR Campaign of the Year – New Product or Service Launch – Cebuana Lhuillier Micro Savings launch
- Silver: Achievement in Product Innovation – Cebuana Lhuillier Micro Savings Most Innovative Company of the Year – Up to 2,500 Employees Marketing Campaign of the Year – Financial Products & Services – Iponaryo Campaign
- Bronze: Communications or PR Campaign of the Year – Internal Communications – 100 or More Employees – Iponaryo Internal Campaign Company of the Year – Financial Services – Large
International Finance Awards, 2020
- Most Innovative Microinsurance Product : ProtectMax – 2020
Asian Banking & Finance Retail Banking Awards, 2021
- Bank of the Year for Rural/Cooperative 2021
Mansmith Innovation Awards 2021
- Jean Henri Lhuillier | Master Innovator of the Year – Services
Philippine Quill Awards 2021
- Benedizioni | Division IV: Communication Skills (Category 25: Corporate Writing) | EXCELLENCE AWARD
- Iponaryo | Division I: Communication Management (Category 4: Change Communication) | EXCELLENCE AWARD
- Health Watch | Division I: Communication Management (Category 1: Internal Communications) | EXCELLENCE AWARD
- Mother’s Day 2021 | Division IV: Communication Skills (Category 22: Audio Visual) | EXCELLENCE AWARD
Anvil Awards 2021
- Mother’s Day 2021 | Public Relations Tools | Multimedia (Online Video) | SILVER
2021 Social Impact Awards
Jean Henri Lhuillier | CSR Leaders: CSR Professional | HONORABLE MENTION
– CSR: Tulong sa Pagbangon | Communications and Campaigns> Fundraising
– CSR: Tulong sa Pagbangon | Communications and Campaigns> Health/Public Safety Campaign
– CSR: Tulong sa Pagbangon | Organizational Mission> Corporate CSR | HONORABLE MENTION
Platinum PR Awards 2021
- Cebuana Lhuillier | Employee Relations Category – Prod Ka-Cebuana Iponaryos: Advocating financial wellness among Cebana Lhuillier Employees | HONORABLE MENTION
Asia CEO Awards 2021
- Jean Henri Lhuillier | Entrepreneur of the Year | Circle of Excellence Awardee
Golden Bridge Awards 2021
- Cebuana Lhuillier | Grand Globee
- Jean Henri Lhuillier | Innovator of the Year (2,500 and up employees) | GOLD
- Jean Henri Lhuillier | Lifetime Achievement Awards (2,500 and up employees) | GOLD
- Jean Henri Lhuillier | Maverick of the Year (2,500 and up employees) | GOLD
- Jean Henri Lhuillier | Entrepreneur of the Year
- Diversified Services | GOLD
- Jean Henri Lhuillier | Executive Achievement of the Year | GOLD
- Cebuana Lhuillier | Consumer Products (Product Development Cebuana From Home) | SILVER
- Cebuana Lhuillier | Consumer Services
- Cebuana From Home | BRONZE
- Cebuana Lhuillier | Products Development, Project or Initiative of the Year
- Cebuana Lhuillier Micro Savings Ipon Power, Cebuana Lhuillier – bringing mobility and accessibility through savings to millions of Filipinos | GOLD
- Cebuana Lhuillier | Most Innovative Company of the Year (2,500 and up employees)
- Cebuana Lhuillier Bringing financial access to millions of Filipinos through Digital Transformation | BRONZE
- Cebuana Lhuillier | Most Innovative Company of the Year (Consumer Services)
- Cebuana Lhuillier Bringing financial access to millions of Filipinos through Digital Transformation | GOLD – Cebuana Lhuillier | Company Response to COVID-19
- Tulong sa Pagbangon | BRONZE
- PJ Lhuillier, Inc. | Live Event of the Year (Employee Engagement) – Digital Brillo | SILVER
International Business Awards 2021
- JHL: An Advocacy of bringing financial wellness and mobility to every Filipino | Executive of the Year (Consumer Services) | GOLD
- JHL: An Advocacy of bringing financial wellness and mobility to every Filipino | Executive of the Year (Financial Services) | GOLD
- JHL: An Advocacy of bringing financial wellness and mobility to every Filipino | Lifetime Achievement Award (Consumer Services Industries) | GOLD
- JHL: An Advocacy of bringing financial wellness and mobility to every Filipino | Lifetime Achievement Award (Business Product Industries) | GOLD
- JHL: An Advocacy of bringing financial wellness and mobility to every Filipino | Entrepreneur of the Year (Financial Services) | SILVER
- Tulong sa Pagbangon: Uplifting Filipinos’ Lives Amidst a Health Crisis | Communication or PR Campaign of the Year
- Corporate Responsibility |BRONZE
Asia CEO Awards 2021
- Jean Henri Lhuillier | Global Filipino Executive of the Year | Circle of Excellence
- Cebuana Lhuillier | Most Innovative Company of the Year | Circle of Excellence
- Tulong sa Pagbangon | CSR Company of the Year | Circle of Excellence
International Service Excellence Awards 2022
- Cebuana Lhuillier | Customer-Centric Culture | Service Champion
Asia CEO Awards 2022
- Jean Henri Lhuillier | Global Filipino Executive of the Year | Circle of Excellence
- Cebuana Lhuillier | Most Innovative Company of the Year | Circle of Excellence
- Tulong sa Pagbangon | CSR Company of the Year | Circle of Excellence
Platinum PR Awards 2022
- Iponaryo | Campaign of the Year Finance/Fintech | Honorable Mention – Healthwatch | Internal Publications | Honorable Mention
PANAta Awards 2022
- Cebuana Lhuillier | Brand Team of the Year
ABF Retail Banking Awards 2022
- Cebuana Lhuillier Insurance Brokers | Domestic Broker of the Year
- Cebuana Lhuillier Insurance Brokers | Insurtech Initiative of the Year
Insurance Asia Awards
- Cebuana Lhuillier Insurance Brokers | Domestic Broker of the Year
- Cebuana Lhuillier Insurance Brokers | Insurtech Initiative of the Year
Golden Bridge Awards 2022
- PJ Lhuillier, Inc. | Grand Globee
- Jean Henri Lhuillier | A1-003 Innovator of the Year (2,500 and more Employees) | GOLD
- Jean Henri Lhuillier | A1-006 Lifetime Achievement Award (2,500 and more Employees) | GOLD
- Jean Henri Lhuillier | A1-009 Maverick of the Year (2,500 and more Employees) | GOLD
- Jean Henri Lhuillier | A2-022 Entrepreneur of the Year (Financial) | GOLD
- Jean Henri Lhuillier | A3-035 Executive Achievement of the Year (Financial) | GOLD
- Cebuana From Home | New Product & Service Innovation, Best New Product or Service Awards Categories Group (B7-003 Consumer Products) | BRONZE
- Humans of Cebuana | E2. Creative, Live Events Awards Categories > E2-007 Live Event of the Year, Celebration Event | GOLD
- Humans of Cebuana | E2. Creative, Live Events Awards Categories > E2-012 Live Event of the Year, Corporate Event | GOLD
- Dakilang Ina | E4-020 Facebook, Best Social Good Campaign | GOLD
- Dakilang Ina | E7-004 Creative Project or Initiative of the Year | GOLD
- Dakilang Ina | E5-021 Financial Services | GOLD
- Dakilang Ina | E6-039 Achievement (Financial) | GOLD
- Benedizioni | E3-010 Best Brochure (Corporate or Business) | GOLD
- Benedizioni | E3-002 Best Annual Report (Corporate or Business) | GOLD
- Benedizioni | D2-015 Communications or PR Campaign of the Year (Corporate Communications) | GOLD
- Healthwatch | L1-018 Communications or PR Campaign of the Year (COVID-19-related Information) | SILVER
- Tulong sa Pagbangon | L1-011 Company Response of the Year (Creative Ways Companies are Giving Back During COVID-19) | SILVER
International Business Awards
- Jean Henri Lhuillier | Entrepreneur Awards Category – A68 (Financial Services) | GOLD
- Jean Henri Lhuillier | Management Awards Category – A18 (Financial Services of the Year – Executive of the Year) | GOLD
- Jean Henri Lhuillier | Management Awards Category – A41 (Lifetime Achievement Award – Best Product Industries) | GOLD
- Jean Henri Lhuillier | Management Awards Category – A38 (Innovator of the Year) | BRONZE
- Jean Henri Lhuillier | Management Awards Category – A41 (Lifetime Achievement Award – Business Services industries) | BRONZE
- Jean Henri Lhuillier | Management Awards Category – A41 (Lifetime Achievement Award – Consumer Services industries) | BRONZE
- Cebuana From Home | Website Awards Category – P21 (Financial Services) | GOLD
- Cebuana From Home | COVID-19 response category – K28 (Most Valuable Service) | BRONZE
- Tulong Sa Pagbangon | Company/Organization Awards Categories (Corporate Social Responsibility Program of the Year) | SILVER
Stevie Awards Asia Pacific 2023
- CebPRO | Innovative Use of Technology in Human Resources | GOLD
World CSR Awarding Rites
- Cebuana Lhuillier Foundation Inc. | CSR Leadership Award in the Philippines
People Insight Awards 2023
- PJ Lhuillier, Inc. | Best Employee Engagement Program
Investors in People Local Awards
- PJ Lhuillier, Inc. | Social Responsibility Award
World Economic Magazine 2023 Awards
- Cebuana Lhuillier Bank | Fastest Growing Bank for Financial Inclusion Philippines 2023
- Cebuana Lhuillier Bank | Most Innovative Microfinance Bank Philippines 2023
- Cebuana Lhuillier Bank | Best Microfinance Bank Philippines 2023
Insurance Asia Awards
- Cebuana Lhuillier Insurance Brokers | Domestic Broker of the Year – Philippines
- HealthMax | Health Insurance Initiative of the Year – Philippines
- Cebuana Lhuillier Bank | Fastest Growing Bank for Financial Inclusion Philippines 2023
- Cebuana Lhuillier Bank | Most Innovative Microfinance Bank Philippines 2023
- Cebuana Lhuillier Bank | Best Microfinance Bank Philippines 2023
- Cebuana Lhuillier Bank | Rural/Cooperative Bank of the Year
Global Business Excellence Awards
- Jean Henri Lhuillier | International CEO of the Year
- Iponaryo Video Series | Oustanding Social Media Campaign
Social Media Marketing Awards
- Iponaryo Video Series | Best Use of Social Media in a Cause-Related Campaign
- Iponaryo Video Series | Best Visual Storytelling Campaign
- Iponaryo Video Series | Best Video Series
Golden Bridge Awards 2023
- Jean Henri Lhuillier | Innovator of the Year (2,500 and more Employees) | GOLD
- Jean Henri Lhuillier | Lifetime Achievement Award (2,500 and more Employees) | GOLD
- Jean Henri Lhuillier | Maverick of the Year (2,500 and more Employees) | GOLD
- Jean Henri Lhuillier | Entrepreneur of the Year (Financial) | GOLD
- Jean Henri Lhuillier | Top Achiever of the Year in Asia-Pacific | GOLD
- Jean Henri Lhuillier | Executive Achievement of the Year (Financial) | GOLD
- Jean Henri Lhuillier | Maverick of the Year (Consumer Services) | GOLD
- PJ Lhuillier, Inc. | Most Innovative Company of the Year (2,500 and more Employees) | GOLD
- PJ Lhuillier, Inc. | Company of the Year (Financial) | GOLD
- PJ Lhuillier, Inc. | Best Workplace of the Year (Asia-Pacific) | GOLD
- PJ Lhuillier, Inc. | Grand Globee
- Benedizioni | Best Annual Report – Corporate or Business | GOLD
- Intertwined: The pieces that matter | Live Event of the Year (Employee Engagement Event) | BRONZE
- Intertwined: The pieces that matter | Live Event of the Year (Celebration Event) | BRONZE
- Corporate Communications Division
- -Organizational Communications Department & Public Relations Department | Communications or PR Team-Department of the Year | BRONZE
EXCELLENCE IN TECHNOLOGY
ISO/IEC 27001:2005 Certification Networld Capital Ventures, Inc.
EXCELLENCE IN PAWNING
A trusted member of National Pawnbrokers Association
CHAMBER OF PAWNBROKERS OF THE PHILIPPINES MEMBER
