PSBank has gone a long way from its humble beginnings as a neighborhood bank since it first opened its doors to its clients on September 26, 1960. Its head office was located at Plaza Miranda, Quiapo, Manila, then the heart of the country’s commercial and business district, while its first four branches were in Divisoria, Carriedo, Blumentritt and C. M. Recto.

SIMPLE BEGINNINGS, BIG DREAMS

At that time, PSBank blazed a trail in innovative banking which was quite unheard of in those simple and laidback days. It was the very first bank that offered Monday to Saturday banking with no noon break, extended banking hours, online electronic data system, and banking-by-mail. PSBank was also well-known as “The Friendly Bank” because of its accessibility, convenience and service quality. It seemed that, even then, PSBank was already ahead of its time.

In 1981, the Metropolitan Bank and Trust Company, the country’s largest bank, acquired majority shares of PSBank, thus making it a subsidiary and its consumer and retail banking arm. This fueled the growth and sharpened the focus of PSBank to offer products and services that championed its clients’ needs.

FINANCIAL STRENGTH AND STABILITY

In 1991, the Monetary Board of the Bangko Sentral ng Pilipinas authorized the Bank to perform trust banking functions. Four years later, PSBank was granted a quasi-banking license, previously granted only to commercial banks and investment houses.

On the same year, PSBank became the first publicly-listed savings bank in the country. Its first offering of 25% stock rights to the public raised PhP602.4 million while its second offering the following year yielded PhP526 million. This accounted for 63% growth in its capital funds.

Despite challenges that came its way through several crises in the local, Asian and global economies, PSBank – through its prudent management, innovation and customer-centric focus – consistently delivered. From being dubbed as a friendly bank in the 1960s, PSBank underscored its primary objective of quality customer service, simplified processes, quick credit decision and innovative products through its mandate and promise: Simple Lang, Maaasahan.

As the new millennium started, PSBank slowly yet surely made its steady climb until it reached its stature as one of the leading savings bank in the country. In 2006, the Bank again raised PhP2 billion in Tier 2 capital or unsecured subordinated notes. On the same year, it raised PhP750 million from its rights offer.  In 2008, the Bank successfully raised PhP2 billion in Tier 1 capital through a rights offer, increasing its capital funds by 28% to PhP8.47 billion. This was also the year when PSBank hit the PhP1-billion mark in its net income, proving that it has what it takes to thrive in the competitive and crowded banking industry.

PSBank has PhP34.89 billion in capital funds and PhP261.81billion assets as of end-2021.

CUSTOMER-FOCUSED SERVICE AND INNOVATION

The Bank also continues to offer innovative banking products and services that make banking easier, faster and more convenient to its customers. It's consumer loans offer affordable rates, flexible payment terms and quick credit decision. Car and real estate property buyers can get a credit decision from their PSBank Auto Loan and PSBank Home Loan application in as fast as 24 hours via SMS. The PSBank Flexi is a collateral-free personal loan that offers a revolving credit line or a term loan that can be used by clients for their child’s education, minor home or car repairs, travel, cashless shopping, bills payment, special occasions, and sudden expenses.

All of these, including the PSBank SME Term Loan with Prime Rebate which gives savings or rebates for advance or excess payments.  No other bank gives this benefit so customers get more value out of their hard-earned money.

To address the needs of its upwardly mobile client base, PSBank now also offers the PSBank Prepaid MasterCard and the PSBank Debit MasterCard which clients can get on the spot.

Dubbed as the all-in-one budget card, the PSBank Prepaid MasterCard serves as a remittance card, allowance card and debit card for purchases in MasterCard stores and online purchases.  The PSBank Debit MasterCard, on the other hand, can be conveniently swiped when shopping or dining in MasterCard-affiliated stores.

To expand its presence nationwide. PSBank continues to increase its branch and ATM network which has now reached 250 branches and over 500 in-branch and offsite ATMs. It is also strengthening its online presence through PSBank Online, a secure 24/7 Internet banking facility, and the PSBank Mobile app which allows clients to do real-time banking transactions anytime, anywhere using their mobile device.

GOOD CORPORATE CITIZENSHIP

Through it all, PSBank has never forgotten to give back to the community that it has served for more than 50 years.  As an advocate of the life-changing impact and value of education, it has a number of programs that benefits children and the youth.

To date, it has 51 elementary, high school and college scholars from Chinese-Filipino schools under the PSBank Educational Assistance Program. Under the Save It Forward program, it also sponsors the education of 41 indigent and 55 visually-impaired children from World Vision and Resources for the Blind so they can finish their elementary or high school education. On top of this, it gives an annual donation to these two organizations and Chosen Children Foundation, an agency that cares for children with special needs.

PSBank, in partnership with Metrobank Foundation, Inc. (MBFI), the Rotary Club of New Manila East and the PNP also support the Search for the Country’s Outstanding Police in Service (COPS).  COPS is a recognition program which honors exemplary members of the Philippine National Police (PNP) who have worked with their communities in solving and preventing crime.  In 2016, the program was integrated with two other Metrobank Foundation Search programs – the Search for Outstanding Teachers and The Outstanding Philippine Soldiers, under a newly formed competition called Metrobank Foundation Outstanding Filipinos.  Under this new Search program,  three police officers will be selected as winners and will be conferred the title “Metrobank Foundation Fellows in Public Service. “  Each awardee will receive a cash prize of PhP1 Million, a specially designed trophy, and a medallion.

PSBANK GETS HIGHEST CREDIT RATING

The Philippine Rating Services Corporation (PhilRatings) assigned PSBank the highest Issuer Credit Rating of PRS Aaa (corp.), with a Stable Outlook, citing on the Bank’s highly-experienced management team and strong capitalization thus having a very strong capacity to  meet its financial commitments relative to that of other Philippine corporates.


Vision

To be the country's consumer and retail bank of choice.



Mission

  • As an INSTITUTION: To conform to the highest standards of integrity, professionalism and teamwork.

  • For our CLIENTS: To provide superior products and reliable, top-quality services responsive to their banking needs.

  • For our EMPLOYEES: To place a premium on their growth, and nurture an environment of teamwork where outstanding performance is recognized.

  • For our SHAREHOLDERS: To enhance the value of their investments.



Core Values

In realizing our mission and vision, we will be:

  • PROACTIVE in serving our customers

  • PERFORMANCE-driven and recognized, reinforced, and rewarded accordingly

  • PROFESSIONAL to the highest standards and in all respects

  • PEOPLE-ORIENTED in our dealings with our internal and external customers alike

 

Jose T. PardoJose T. Pardo
Chairman / Independent Director
82 years old

  • Chairman since January 2003
  • Independent Director since May 2007
  • Chairman / Independent Director, Philippine Seven Corporation* Philippine Stock Exchange* and Securities Clearing Corporation of the Philippines
  • Chairman / Board of Advisers, Bank of Commerce
  • Chairman, ECOP Council of Business Leaders and PCCI Council of Business Leaders
  • Independent Director, JG Summit Holdings, Inc.*, League One Finance and Leasing Corporation, Araneta Hotels, Inc. and Del Monte Philippines, Inc.
  • Director, National Grid Corporation of the Philippines , ZNN Radio Veritas Foundation
  • Director/Board of Trustees, Bayaning Pulis Foundation (January 2022)
  • Chairman/Board of Trustees, Philippine Stock Exchange Foundation
  • BS Commerce-Accountancy, De La Salle University
  • Honorary Doctorate Academy of Multi-Skills, United Kingdom
  • Doctor of Science in Finance, Honoris Causa, De La Salle University, Manila Philippines
  • Doctor of Humanities, Honoris Causa, Gregorio Araneta University Foundation
  • Master’s Degree in Business Administration
  • First graduate of the Harvard-DLSU Advisory Program

Arthur V. Ty
Arthur V. Ty

Vice Chairman
55 years old

  • Vice Chairman since 2001
  • Chairman, Metropolitan Bank and Trust Company*, Metropolitan Bank (China) Ltd., GT Metro Foundation Inc., GT Capital Holdings Inc.* and Metrobank Foundation, Inc.
  • Vice Chairman, AXA Philippines
  • Director, Federal Land, Inc.
  • Adviser, First Metro Investment Corporation
  • BS Economics, University of California - Los Angeles
  • MBA, Columbia University
Vicente R. Cuna Jr.

Vicente R. Cuna, Jr.
Vice Chairman
60 years old

  • Vice Chairman since April 2018, Director since 2013
  • Chairman, ORIX Metro Leasing and Finance Corporation, ORIX Auto Leasing Philippines Corporation, ORIX Rental Corporation, OMLF International Trading Development and Corporation and OMLF Insurance Agency , Inc.
  • Director, Metropolitan Bank and Trust Company*
  • Senior Executive Vice President, Metropolitan Bank and Trust Company – Enterprise Services Sector
  • A.B Economics, De La Salle University
Jose Vicente L. Alde

Jose Vicente L. Alde
President  /  Director
55 years old

  • President since April 2018, Director since 2016
  • Chairman, Sumisho Motor Finance Corporation
  • Secretary, Chamber of Thrift Banks
  • Bachelor of Computer Science, graduated Cum Laude, University of the Philippines, Diliman
  • Master in Business Management, Asian Institute of Management
Samson C. Lim

Samson C. Lim
Independent Director
73 years old

  • Independent Director since April 2008
  • Chairman, Blims Lifestyle Group (BLG), Collins International Trading Corporation and Francorp Philippines
  • Chairman Emeritus / International Relation, Philippine Franchise Association
  • Chairman Emeritus, Philippine Retailers Association
  • Chairman for Tourism and Franchising, Philippine Chamber of Commerce and Industry
  • President, Canadian Tourism and Hospitality Institute
  • BS Liberal Arts, Cum Laude, Ateneo de Manila University
  • Masters in Business Economics (MBE), University of Asia and the Pacific
  • Exchange Student, Sophia University Tokyo, Japan
  • Special Training on International Business, Institute of International Studies and Training, Fujinomia, Japan
  • Top Management Program, Asian Institute of Management
Ma. Soledad D.S De Leon

Ma. Soledad D.S. De Leon
Director
63 years old

  • Director since April 2016
  • Chairman of the Board / Treasurer, Casa Medica, Inc. and Sodel Milling Corporation
  • Director, Yaman Lahi – Foundation, Inc. (Emilio Aguinaldo College), University Physician Services Inc., Property Holdings, Inc., Hospital Management Services, Inc. (Medical Center Manila), The Pearl Manila, Pearl of the Orient and Seas Hotel and Recreational Resort, Inc., St. Patrick College and Candelaria Rural Bank
  • President / Treasurer, Sodel Realty Inc.
  • Vice President / Treasurer, Fil – Homes Realty Development Corporation
  • Vice President, Lipa Golden Land Development, Inc.
  • BS in Business Administration (Major in Business Management), St. Paul College of Manila
  • International Management Studies, University of California- Los Angeles, USA
Eduardo A. Sahagun

Eduardo A. Sahagun
Independent Director
64 years old

  • Independent Director since April 2017
  • Chairman, Edcommerce Corporation Director, Union Galvasteel Corporation, Phinma Property Holdings Corporation, T-O Insurance Brokers, Inc., Phinma Corporation, Song Lam Cement Joint Stock Company, Cagayan De Oro College, Inc., First Batangas Hotel Corporation
  • Board of Trustees, Phinma Foundation Inc.
  • President and CEO, Phinma Solar Energy Corporation, Union Galvasteel Corporation and Philcement Corporation
  • BS Commerce, Major in Accounting, Holy Angel University
  • Masters in Business Administration. Ateneo Graduate School of Business
  • Masters in Management Science, Arthur D. Little Management Education Institute (now Hult International Business School) Boston, USA
  • Senior Management Program, Senior Leadership Program, Managing Change Program, IMD , Switzerland
Fosanna F. de Vera

Rosanna F. De Vera
Director
53 years old

  • Director since April 2018
  • First Vice President and Credit Group Division Head, Metropolitan Bank and Trust Company*
  • BS Commerce, Major in Accounting, University of Sto. Tomas
  • MBA, Ateneo Graduate School of Business
Francisco S. Magsajo, Jr.

Francisco S. Magsajo, Jr.
Independent Director
74 years old

  • Independent Director since April 2021
  • Director, Philippine Veterans Bank, Intervest Project, Inc. and Intervest Insurance, Inc.
  • BS Economics, Lyceum of the Philippines

 

Perfecto Ramon Z. Dimayuga, Jr.

Perfecto Ramon Z. Dimayuga, Jr.
Corporate Secretary
60 years old

  • Corporate Secretary since January 2022
  • Senior Vice President / Treasurer, Philippine Savings Bank
  • Corporate Secretary, Sumisho Motor Finance Corporation
  • Bachelor of Arts in Economics, Ateneo de Manila University
  • Masters in Business Administration, University of the Philippines

* Publicly listed company
Board of Directors Contact Information: (632) 8885-8208  locals 1999 or 8180

SENIOR OFFICERS

President
  • Jose Vicente L. Alde
Executive Vice President
  •  Noli S. Gomez
Senior Vice President
  • Jose Jesus B. Custodio
  • Perfecto Ramon Z. Dimayuga Jr.
  • Dan Jose D. Duplito
  • Neil C. Estrellado
  • Francis C. Llanera
  • Edeza A. Que
  • Emmanuel A. Tuazon
  • Mary Jane M. Valero
  • Leah M. Zamora
First Vice President
  • Angelo L. Calingo
  • Mary Myleen M. Masanque
  • Gilbert L. Nunag
Vice President
  • Leo Antonio V. Abe
  • Andre Manuel L. Abellanosa
  • Noel C. Ang
  • Raye Claudine Q. Baron
  • Adler D. Ferrer
  • Dennis O. Glorioso
  • Mirasol B. Guia
  • Antonell S. Interino
  • Reuel R. Javier
  • Sherwin U. Lee
  • Jose M. Manuel Jr.
  • John Emmanuel J. Palafox
  • Noreen D. Peñaredondo
  • Denby B. Perez
  • Abraham R. Quirimit
  • Elmer B. Rombaoa
  • Redentora Rose D. Samia
  • Ma. Lilibeth S. Santos
Assistant Vice President
  • Marion V. Aquino
  • Lina P. Bacalso
  • Abigail A. Bocol
  • Ronald Andrew L. Cruz
  • Ricardo D. De Guzman
  • Mary Anne F. De Jesus
  • Orlando G. Dela Cruz
  • Marita S. Dizon
  • Marivic D. Garcia
  • Maria Luisa I. Gilladoga
  • Marichu S. Gonzales
  • Arwin M. Guste
  • Annavil A. Ilagan
  • Donaldson U. Jao
  • John Rex N. Jardinero
  • Eduardo B. Mababangloob,  Jr. 
  • Cesar R. Menguito Jr.
  • Ma. Jolivette B. Oliveros
  • Maria Cecilia P. Rios
  • Ma. Lea Lilette C. Rosales
  • Jose Mario M. Santos
  • Judy C. Singayan
  • Jose Mariano B. Tanciongco
  • Xandre C. Uy



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Conglomerate Map

 


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2019 Amended Articles of Incorporation
2014 Amended Articles of Incorporation
2010 Amended Articles of Incorporation and By-laws



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Annual Reports & Audited Financial Statements  Sustainability Reports

 

Quarterly Statement of Conditions (SOC)

2022 2021

 2020 2019
 2018 2017


Press Releases

2022 07 November 2022 PSBank 3Q2022 Results
  04 August 2022 PSBank 1H 2022 Financial Results
  04 May 2022 PSBank 1Q2022 Results
  12 April 2022 PSBank Keeps Highest Credit Rating
  28 February 2022 PSBank Net Income Up 39% in 2021
2021 05 November 2021 PSBank Posts PhP1.26 billion in Net Income as of 3Q2021
  06 August 2021 PSBank Ends 1H2021 with PhP 879 Million Net Income
  07 May 2021 PSBank 1Q2021 Results
  05 March 2021 PSBank Year-end 2020 Results
2020 13 November 2020 PSBank 3Q2020 Results
  20 October 2020 PSB Gets Highest Credit Rating from PhilRatings 2020
  12 August 2020 PSBank 1H2020 Results
  06 May 2020 PSBank Registers Q1 2020 Net Income of PhP646.2 Million
  03 March 2020 PSBank’s Net Income Climbs to PhP3 Billion
  05 February 2020
PSBank Returns to the PDEx Bourse with its PhP4.65 Billion Series B 3-Year Fixed Rate Bonds
  14 January 2020 PSBank Shortens the Offer Period for its 2nd Tranche Peso Fixed Rate Bond Issuance
  09 January 2020
PSBank Announces 4.5% P.A. Peso Fixed Rate Bond Offer
2019 07 November 2019
PSBank’s Net Income up 20% in Q3
  09 August 2019 PSBank 1H2019 Results
  29 July 2019
PSBank Forays Into Bonds With PhP6.3 Billion Issue
  11 July 2019
PSBank Raises PhP6.3 Billion in an Oversubscribed Fixed Rate Bond Offering
  14 May 2019 PSBank 1Q2019 Results
  05 April 2019 PSBank Receives Highest Credit Rating from PhilRatings 2019
  05 March 2019 PSBank Year-end 2018 Results
2018 29 October 2018 PSBank 3Q2018 Results
  09 August 2018 PSBank 1H2018 Results
  16 May 2018 PSBank 1Q2018 Results
  23 February 2018 PSBank 2017 Year-end Results
2017 07 November 2017 PSBank 3Q2017 Results
  08 August 2017 PSBank 1H2017 Results
  12 May 2017 PSBank 1Q2017 Results
  27 February 2017 PSBank Year-end 2016 Net Income



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Corporate Governance Manual
Corporate Governance Manual



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Closing Price: PhP57.90 as of 05 December 2022, 12:30 pm



Contact Information

For investor inquiries and shareholder assistance, please contact Corporate Affairs Division at (632) 8885-8208 local 8902 or send us a message through our Contact Us email form with Investor Relations as the chosen subject.

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Long-Term Negotiable Certificate of Time Deposit
PSBank LTNCTD Offering Circular - 09 August 2018
PSBank LTNCTD Offering Circular - 30 January 2017
LTNCTD Advertisement 2018
LTNCTD Advertisement 2017



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PSBank as an Eligible Broker / Dealer of Securities


PSBank secured its Government Securities Eligible Dealer (GSED) license with securities Broker/Dealer functions in October 2013.

Effective December 31, 2015, however, PSBank voluntarily suspended its Broker Participant license with the Philippine Dealing System (PDS) group.

Trades for the following products are purely proprietary i.e. for the Bank’s own account only:

  1. Government Securities
  2. Dollar Bonds/US Treasuries
  3. Corporate Bonds
  4. Sovereign Bonds
  5. Foreign Exchange

Treasury products are not available for retail distribution.

Click here to view the Treasury Group Senior Officers and the list of SEC-licensed salesmen and Associated Person.



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METROPOLITAN BANK AND TRUST COMPANY

Metrobank Plaza, Sen. Gil J. Puyat Avenue, Makati City
(632) 8898-8000
https://www.metrobank.com.ph
FABIAN S. DEE, President


DOMESTIC SUBSIDIARIES AND AFFILIATES


FIRST METRO INVESTMENT CORPORATION

45/F GT Tower International, Ayala Avenue corner H.V. dela Costa Street, Makati City
(632) 8858-7900
http://www.firstmetro.com.ph
RABBONI FRANCIS B. ARJONILLO, President


First Metro Asset Management, Inc.

18/F PSBank Center, 777 Paseo de Roxas corner Sedeño Street, Makati City
(632) 8891-2860 to 65
http://www.fami.com.ph
KAREN LIZA M. ROA, President

First Metro Securities Brokerage Corporation

18/F PSBank Center, 777 Paseo de Roxas corner Sedeño Street, Makati City
(632) 8859-0600 to 02
https://www.firstmetrosec.com.ph
GONZALO G. ORDOÑEZ, President

AXA Philippines

34/F GT Tower International, Ayala Avenue corner H.V. dela Costa Street, Makati City
(632) 8885-0101 / 8323-1292
https://www.axa.com.ph
RAHUL HORA, President


PHILIPPINE SAVINGS BANK

PSBank Center, 777 Paseo de Roxas corner Sedeño Street, Makati City
(632) 8885-8208
https://www.psbank.com.ph
JOSE VICENTE L. ALDE, President


Sumisho Motor Finance Corporation

12/F PSBank Center, 777 Paseo de Roxas corner Sedeño Street, Makati City
(632) 8802-6888
http://www.sumisho.com.ph
TOSHIYUKI MITSUI, President


METROBANK CARD CORPORATION

Metrobank Card Corporation Center, 6778 Ayala Avenue, Makati City
(632) 8870-0900
https://www.metrobankcard.com
PRADEEP PANT, President


ORIX METRO LEASING AND FINANCE CORPORATION

21/F GT Tower International, Ayala Avenue corner H.V. dela Costa Street, Makati City
(632) 8858-8888
http://www.orix.com.ph
CONSTANCIO B. TAN, President


PARTNERS OF METROBANK


FEDERAL LAND, INC.

20/F GT Tower International, Ayala Avenue corner H.V. dela Costa Street, Makati City
(632) 8883-6888
http://www.federalland.ph
PASCUAL M. GARCIA III, President


TOYOTA MOTOR PHILIPPINES CORPORATION

31/F GT Tower International, Ayala Avenue corner H.V. dela Costa Street, Makati City
(632) 8858-8200
http://www.toyota.com.ph
SATORU SUZUKI, President


TOYOTA FINANCIAL SERVICES PHILIPPINES CORPORATION

32/F GT Tower International, Ayala Avenue corner H.V. dela Costa Street, Makati City
(632) 8858-8500 / 8757-8500
http://www.toyotafinancial.ph
ATSUSHI MURAKAMI, President


TOYOTA MANILA BAY CORPORATION

Metropolitan Park, Roxas Blvd. corner EDSA Extension, Pasay City
(632) 8581-6168
http://www.toyotamanilabay.com.ph
HIROYA MIYAHARA, President


PROPERTY COMPANY OF FRIENDS, INC.

Pro-Friends Center, 55 Tinio Street, Brgy. Addition Hills, Mandaluyong City
(632) 8727-8000
https://www.profriends.com
GUILLERMO C. CHOA, President


METROBANK FOUNDATION, INC.

4/F Metrobank Plaza, Sen. Gil Puyat Avenue, Makati City
(632) 8898-8000
http://www.mbfoundation.org.ph
ANICETO M. SOBREPEÑA, President


Manila Doctors Hospital

667 U.N. Avenue, Ermita, Manila
(632) 8558-0888
http://www.maniladoctors.com.ph
ELIZABETH DE GUZMAN-DANTES, President


Manila Tytana Colleges

President Diosdado Macapagal Blvd., Metropolitan Park, Pasay City
(632) 8859-0888
http://www.mtc.edu.ph
SERGIO S. CAO, President and Chief Academic Officer

The country's consumer and retail bank of choice.


PSBank has gone a long way from its humble beginnings as a neighborhood bank since it first opened its doors to its clients on September 26, 1960. Its head office was located at Plaza Miranda, Quiapo, Manila, then the heart of the country’s commercial and business district, while its first four branches were in Divisoria, Carriedo, Blumentritt and C. M. Recto.

SIMPLE BEGINNINGS, BIG DREAMS

At that time, PSBank blazed a trail in innovative banking which was quite unheard of in those simple and laidback days. It was the very first bank that offered Monday to Saturday banking with no noon break, extended banking hours, online electronic data system, and banking-by-mail. PSBank was also well-known as “The Friendly Bank” because of its accessibility, convenience and service quality. It seemed that, even then, PSBank was already ahead of its time.

In 1981, the Metropolitan Bank and Trust Company, the country’s largest bank, acquired majority shares of PSBank, thus making it a subsidiary and its consumer and retail banking arm. This fueled the growth and sharpened the focus of PSBank to offer products and services that championed its clients’ needs.

FINANCIAL STRENGTH AND STABILITY

In 1991, the Monetary Board of the Bangko Sentral ng Pilipinas authorized the Bank to perform trust banking functions. Four years later, PSBank was granted a quasi-banking license, previously granted only to commercial banks and investment houses.

On the same year, PSBank became the first publicly-listed savings bank in the country. Its first offering of 25% stock rights to the public raised PhP602.4 million while its second offering the following year yielded PhP526 million. This accounted for 63% growth in its capital funds.

Despite challenges that came its way through several crises in the local, Asian and global economies, PSBank – through its prudent management, innovation and customer-centric focus – consistently delivered. From being dubbed as a friendly bank in the 1960s, PSBank underscored its primary objective of quality customer service, simplified processes, quick credit decision and innovative products through its mandate and promise: Simple Lang, Maaasahan.

As the new millennium started, PSBank slowly yet surely made its steady climb until it reached its stature as one of the leading savings bank in the country. In 2006, the Bank again raised PhP2 billion in Tier 2 capital or unsecured subordinated notes. On the same year, it raised PhP750 million from its rights offer.  In 2008, the Bank successfully raised PhP2 billion in Tier 1 capital through a rights offer, increasing its capital funds by 28% to PhP8.47 billion. This was also the year when PSBank hit the PhP1-billion mark in its net income, proving that it has what it takes to thrive in the competitive and crowded banking industry.

PSBank has PhP34.89 billion in capital funds and PhP261.81billion assets as of end-2021.

CUSTOMER-FOCUSED SERVICE AND INNOVATION

The Bank also continues to offer innovative banking products and services that make banking easier, faster and more convenient to its customers. It's consumer loans offer affordable rates, flexible payment terms and quick credit decision. Car and real estate property buyers can get a credit decision from their PSBank Auto Loan and PSBank Home Loan application in as fast as 24 hours via SMS. The PSBank Flexi is a collateral-free personal loan that offers a revolving credit line or a term loan that can be used by clients for their child’s education, minor home or car repairs, travel, cashless shopping, bills payment, special occasions, and sudden expenses.

All of these, including the PSBank SME Term Loan with Prime Rebate which gives savings or rebates for advance or excess payments.  No other bank gives this benefit so customers get more value out of their hard-earned money.

To address the needs of its upwardly mobile client base, PSBank now also offers the PSBank Prepaid MasterCard and the PSBank Debit MasterCard which clients can get on the spot.

Dubbed as the all-in-one budget card, the PSBank Prepaid MasterCard serves as a remittance card, allowance card and debit card for purchases in MasterCard stores and online purchases.  The PSBank Debit MasterCard, on the other hand, can be conveniently swiped when shopping or dining in MasterCard-affiliated stores.

To expand its presence nationwide. PSBank continues to increase its branch and ATM network which has now reached 250 branches and over 500 in-branch and offsite ATMs. It is also strengthening its online presence through PSBank Online, a secure 24/7 Internet banking facility, and the PSBank Mobile app which allows clients to do real-time banking transactions anytime, anywhere using their mobile device.

GOOD CORPORATE CITIZENSHIP

Through it all, PSBank has never forgotten to give back to the community that it has served for more than 50 years.  As an advocate of the life-changing impact and value of education, it has a number of programs that benefits children and the youth.

To date, it has 51 elementary, high school and college scholars from Chinese-Filipino schools under the PSBank Educational Assistance Program. Under the Save It Forward program, it also sponsors the education of 41 indigent and 55 visually-impaired children from World Vision and Resources for the Blind so they can finish their elementary or high school education. On top of this, it gives an annual donation to these two organizations and Chosen Children Foundation, an agency that cares for children with special needs.

PSBank, in partnership with Metrobank Foundation, Inc. (MBFI), the Rotary Club of New Manila East and the PNP also support the Search for the Country’s Outstanding Police in Service (COPS).  COPS is a recognition program which honors exemplary members of the Philippine National Police (PNP) who have worked with their communities in solving and preventing crime.  In 2016, the program was integrated with two other Metrobank Foundation Search programs – the Search for Outstanding Teachers and The Outstanding Philippine Soldiers, under a newly formed competition called Metrobank Foundation Outstanding Filipinos.  Under this new Search program,  three police officers will be selected as winners and will be conferred the title “Metrobank Foundation Fellows in Public Service. “  Each awardee will receive a cash prize of PhP1 Million, a specially designed trophy, and a medallion.

PSBANK GETS HIGHEST CREDIT RATING

The Philippine Rating Services Corporation (PhilRatings) assigned PSBank the highest Issuer Credit Rating of PRS Aaa (corp.), with a Stable Outlook, citing on the Bank’s highly-experienced management team and strong capitalization thus having a very strong capacity to  meet its financial commitments relative to that of other Philippine corporates.


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