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This study evaluated the financial skills, behaviors, and well-being of bank employees in Ilocos Norte, with the objective of developing an Enhancement Framework to address existing deficiencies and improve their financial well-being. To achieve this, the research sought to answer several critical questions. Initially, it examined the financial competence or capability of bank employees in three areas: financial knowledge, practical financial skills, and financial self-efficacy. Subsequently, the study assessed financial behavior across six domains: budgeting and spending, income and savings, debt management, insurance and risk management, investment, and retirement planning. Furthermore, it analyzed the financial well-being of participants in four dimensions: financial security, financial freedom, financial control, and financial stress or satisfaction. The study investigated the existence of significant relationships among key variables, specifically examining the associations between financial knowledge and skills, financial skills and self-efficacy, financial self-efficacy and behavior, and financial behavior and well-being. The ultimate objective, based on the findings, was to develop an Enhancement Framework tailored for bank employees in Ilocos Norte, intended as a practical guide to enhance their financial competence and overall well-being. The study utilized a descriptive-correlational design. The descriptive component characterized the financial competence, behavior, and well-being of the bank employees. The correlational component evaluated potential relationships between financial competence factors, including financial knowledge, skills, and self-efficacy; financial behavior factors, such as budgeting and spending, income and savings, debt management, insurance and risk management, investment, and retirement planning; and financial well-being factors, including financial security, freedom, control, and stress/satisfaction. The findings revealed an overall acceptable level of financial competence, with employees demonstrating strong awareness of fundamental financial concepts, sound financial skills in saving and budgeting, and considerable confidence in handling financial matters. However, notable gaps were identified in technical comprehension, credit card and compounding interest computation, bond price dynamics, and assertiveness in competitive financial situations. In terms of financial behavior, employees frequently practiced responsible budgeting, saving, and risk management, yet showed inconsistencies in debt management, investment diversification, insurance adjustment, and retirement planning. Financial well-being was likewise at an acceptable level, marked by resilience, moderate financial security, freedom of financial choice, and low financial stress, though income inadequacy perception and debt constraints kept overall satisfaction at a moderate level. The study further examined the relationships among the variables and found that financial knowledge and financial skill had no significant correlation, suggesting that theoretical understanding did not automatically translate to practical application. However, strong positive correlations were established between financial skill and self-efficacy, self-efficacy and financial behavior, and financial behavior and financial well-being, indicating a meaningful progression from confidence to action to overall wellness. Based on these findings, the study recommended the adoption of a Financial Wellness Enhancement Framework that integrated financial education, behavioral reinforcement, and workplace support systems to address identified technical and behavioral gaps, ultimately fostering a financially competent, resilient, and satisfied banking workforce in the province. The results of the descriptive and correlational portions of the study formed the basis for constructing a Financial Wellness Framework that helped improve the financial wellness of bank employees in Ilocos Norte.