Lines of Business
We structured the business segments in line with our philosophy of client care and satisfaction.
At every business size or at an individual level, PBCOM provides holistic integrated solutions that can fulfill your diverse needs. We have targeted them towards areas where we can best deliver value. But as we grow as a company, we also endeavor to evolve with you and your aspirations.
The Corporate Banking Group serves large institutional clients, as well as small to medium scale enterprises, which are generally characterized as businesses with potential to become bigger enterprises in the future. The Group seeks to support these businesses as a financial partner, offering products and services that meet the needs of the business and its employees. Corporate Banking provides flexible and holistic solutions that range from loans and corporate lending facilities, to cash management and payroll services, tailor fit to clients' individual business needs and cycles.
The Branch Banking consists of Branch Sales handled by Branch Managers and Relationship Managers from all over the country, as well as support personnel specializing in Franchise Management, Branch Marketing, Cash Management, Deposit Product Development, and Training. The Group is focused on deposit portfolio management, Branch sales, Cash Management sales, and overall growth and development of the Branch franchise nationwide.
The Consumer Finance Group provides loan solutions for individual clients' financial needs through personalized account management and end-to-end processing assistance with an emphasis on excellent client service. Consumer Finance also extends loans to Branch Banking, Corporate Banking clients, and employees of business or corporate clients.
The Treasury Group ensure the Bank's adequate liquidity at reasonable cost, coordinating with the Corporate Banking and the Branch Banking Groups to arrive at market-driven competitive pricing. Treasury likewise serves clients' foreign exchange requirements. Also a revenue generator, the Treasury Group takes position and trades in Philippine Peso and US Dollar-denominated bonds and undertakes proprietary foreign exchange trading. It exercises prudent and skillful management of the Bank's Philippine Peso and US Dollar trading portfolios under the governance of policies approved by the Board of Directors.
Trust and Wealth Management
The Trust & Wealth Management Group provides financial solutions to individual and institutional clients by understanding their unique investment objectives and risk tolerance. Customers may choose to open an account focused on investment management, escrow or retirement depending on their needs. For those who wish to take advantage of the expertise of professional fund managers, the Trust and Wealth Management Group also has three Unit Investment Trust Funds (UITFs), which invest in various financial instruments, such as money market securities, bonds and equities.