 This allowed the bank to experience significant increases in customers, bank branches, loans (which now included commercial and construction loans), and ultimately revenue, doubling its financial size every two and a half years without the need of consolidations or mergers during the 1990s.In 1999, Westernbank was reorganized to improve its services and to better represent its future plans and strategy.This reorganization created the parent company, W Holding, and converted its main divisions, such as Westernbank, into wholly owned subsidiaries.