CIBI Information Inc. (CIBI), the Philippines’ first credit reporting agency, was first organized in 1982 as Credit Information Exchange System, a business information division attached to the Department of Loans and Credit of the Central Bank of the Philippines, now the Banko Sentral ng Pilipinas (BSP). It was jointly created by the BSP, the Securities and Exchange Commission (SEC), and the Financial Executives Institute of the Philippines (FINEX).