Lourdes A. Salazar

Philippine National Bank (the Bank) provides a range of banking and financial services to corporate, middle-market, small and medium enterprises, and retail customers, among others. The Bank's segments include Retail Banking, which handles individual customer's deposits, and provides consumer type loans, credit card facilities and fund transfer facilities; Corporate Banking, which handles loans and other credit facilities, and deposit accounts for corporate and institutional customers; Treasury, which provides money market, trading and treasury services, as well as the management of its funding operations, and Other Segments, which include insurance, leasing, remittances and other support services. The Bank's commercial banking activities include deposit-taking, lending, trade financing, foreign exchange dealings, bills discounting, fund transfers/remittance servicing, asset management, treasury operations, trust services, retail banking and other related financial services.