Philippine Savings Bank
Ricardo de Guzman, REA, REB, currently serves as Division Head for Credit Appraisal at PSBank since December 2016, bringing extensive experience in appraisal processes and team management. Prior roles include Director for Property Appraisal at Pinnacle Real Estate Consulting, where workflow processes were streamlined, and Appraisal Team Head at Chinabank Savings. From November 1997 to August 2015, Ricardo held various positions at Planters Development Bank, focusing on appraisal report review and team performance monitoring. Educational credentials include a BS in Commerce with a focus on Computer Science from Wesleyan University-Philippines and licenses as a Real Estate Broker and Appraiser. Additional expertise encompasses property valuation, background investigations, and strong connections within the real estate industry.
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Philippine Savings Bank
Philippine Savings Bank is engaged in savings and mortgage banking. The Bank offers a range of products and services, such as deposit products, loans, treasury and trust functions that serve the retail and consumer markets. The Bank's segments include Consumer Banking, Corporate Banking, Branch Banking and Treasury. The Consumer Banking segment provides consumer-type loans generated by the Home Office. The Corporate Banking segment handles loans and other credit facilities for small and medium enterprises, corporate and institutional customers acquired in the Home Office. The Branch Banking segment serves as the Bank's main customer touch point, which offers consumer and corporate banking products. The Treasury segment handles institutional deposit accounts, providing money market trading and treasury services, as well as managing the Bank's funding operations by use of government securities and placements, and acceptances with other banks. The Bank has approximately 250 branches.