Simple Lang, Maaasahan service.

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 PhP24.39 billion in capital funds and PhP237.73billion assets as of end-2018.

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, are now enhanced 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 575 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. Recently, 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.

STRONGEST SAVINGS BANK IN ASIA PACIFIC

PSBank was recognized as the 2nd strongest bank in the Philippines by The Asian Banker, in its AB500
annual ranking 2016 - 2017 edition. The Asian Banker is a third party research and intelligence company
that provides information on strategic development in the financial services industry in the Asia Pacific
region.

The ranking is based on a financial scorecard that ranks the 500 largest Asian banks according to their
financial and business performance.

This is proof of how PSBank has built a foundation of strength and profitability and a reputation of simple
and reliable banking for more than 50 years of operations.
 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. Pardo

Chairman / Independent Director

78 years old

 Chairman at Philippine Savings Bank* since January 2003

 Independent Director since May 2007
 Chairman / Independent Director, Philippine Seven Corp.* Philippine Stock Exchange, Securities
Clearing Corporation of the Philippines, Bank of Commerce
 Chairman, ECOP Council of Business Leaders, PCCI Council of Business Leaders, Philippine Business
Center Inc., Foundation for Crime Prevention (until August 2017)
 Co-Chairman, De La Salle Philippines (until December 2017)
 Independent Director, JG Summit Holdings, Inc.*, National Grid Corporation of the Philippines, ZNN
Radio Veritas, Monte Oro Grid Resources Corporation, Araneta Hotels, Inc. and League One Finance
and Leasing Corporation
 Master’s Degree in Business Administration
 First graduate of the Harvard-DLSU Advisory Program
 BS Commerce - Accountancy, De La Salle University

Arthur V. Ty

Vice Chairman

52 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 / Director, First Metro Investment Corporation Vice Chairman, AXA Philippines
 Director, Federal Land, Inc.
 BS Economics, University of California - Los Angeles
 MBA, Columbia University

Vicente R. Cuna Jr.

Vice Chairman

57 years old

 Vice Chairman since April 2018, Director since 2013

 Chairman, ORIX Metro Leasing and Finance Corporation, ORIX Auto Leasing Philippines Corp., ORIX
Rental Corp., OMLF International Trading Development and Corp., OMLF Insurance Agency , Inc.
 Director, Metropolitan Bank and Trust Company*
 Senior Executive Vice President, Metropolitan Bank and Trust Company – Enterprise Services Sector
 AB Economics, De La Salle University

Jose Vicente L. Alde

Director / President

52 years old

 President since April 2018, Director since 2016

 Chairman, Sumisho Motor Finance Corporation
 Member – Election Committee, Chamber of Thrift Banks
 Bachelor of Computer Science, graduated Cum Laude, University of the Philippines, Diliman
 Master in Business Management, Asian Institute of Management
 Benedicto Jose R. Arcinas

Independent Director

62 years old

 Independent Director since April 2012

 Director and General Manager, Arcinas Freres,Inc.
 Director, Metrobank Card Corporation
 BS Business Economics, University of the Philippines, Diliman
 Master of Science in Management, Arthur D. Little Management Education Institute, Cambridge,
Massachusetts, USA (now Hult International Business School)
 Certificate Courses in Small Enterprise Management, Operations Research, Economics, Computer
Programming, Harvard University, Cambridge, Massachusetts, USA

Samson C. Lim

Independent Director

70 years old

 Independent Director since April 2008

 Chairman, Blims Lifestyle Group. Collins International Trading
Corporation and Francorp Philippines
 Chairman Emeritus / International Relation, Philippine Franchise Association
 Chairman Emeritus, Philippine Retailers Association
 President, Canadian Tourism and Hospitality Institute
 Director for Tourism, Retail and Franchise, Philippine Chamber of Commerce and Industry
 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
Eduardo A. Sahagun

Independent Director

61 years old

 Independent Director since April 2017

 Chairman, Edcommerce Corporation
 Director, Union Galvasteel Corporation, Phinma
Property Holdings Corporation, Phinma Foundation Inc. and Phinma Renewable
Energy Corporation
 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

Ma. Soledad D.S. de Leon

Director

60 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. and St. Patrick College
 President / Treasurer, Sodel Realty Inc.
  Vice President / Treasurer, Fil- Homes Realty Development Corp.
 Vice President, Lipa Golden Land Development, Inc.
 Consultant, Candelaria Rural Bank
 BS in Business Administration (Major in Business Management), St. Paul
College of Manila
 International Management Studies, University of California- Los Angeles,
USA

Rosanna F. de Vera

Director

50 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

Pocholo V. dela Peña

Corporate Secretary

52 years old

 Corporate Secretary since July 2011

 Director, Sumisho Motor Finance Corporation
 Senior Vice President, Business Banking Center
– Metropolitan Bank and Trust Company*
 BS Commerce Major in Accounting, University of Santo Tomas
Board of Directors Contact Information: (632) 885-8208 locals 1999 or 8180

ADVISERS

Edmund A. Go

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.

 Neil C. Estrellado

 Francis C. Llanera
 Emmanuel A. Tuazon

First Vice President

 Norberto M. Coronel III

 Francis Dennis R. Dungo

 Angelo L. Calingo

 Dan Jose D. Duplito

 Mary Myleen M. Masanque

 Edeza A. Que

 Mary Jane M. Valero

 Leah M. Zamora

Vice President
 Leo Antonio V. Abe

 Andre Manuel L. Abellanosa

 Noel C. Ang

 Raye Claudine Q. Baron

 Emma B. Co
 Noreen R. Daypuyat
  Adler D. Ferrer

 Dennis O. Glorioso

 Mirasol B. Guia

 Antonell S. Interino

 Reuel R. Javier

 Mark Lord D. Limson

 Gilbert L. Nunag

 John Emmanuel J. Palafox

 Elmer B. Rombaoa
 Redentora Rose D. Samia

 Assistant Vice
 Lina P. Bacalso
President
 Mary Anne F. de Jesus

 Orlando G. dela Cruz

 Marita S. Dizon

 Marivic D. Garcia

 Arthur M. Gonzales

 Marichu S. Gonzales

 Arwin M. Guste

 Annavil A. Ilagan

 Donaldson U. Jao

 Garry O. Laroza

 Marilou S. Laurilla

 Sherwin U. Lee

 Diosdado M. Luya

 Jose M. Manuel Jr.

 Cesar R. Menguito Jr.

 Denby B. Perez

 Donna Evangeline M. Perez

 Abraham R. Quirimit

 Maria Cecilia P. Rios

 Ma. Lea Lilette C. Rosales
 Frederick John Alexander H. Salcedo IV
 Jose Mario M. Santos
  Ma. Lilibeth S. Santos
 Jose Mariano B. Tanciongco

METROPOLITAN BANK AND TRUST COMPANY

Metrobank Plaza, Sen. Gil J. Puyat Avenue, Makati City

(632) 898-8000
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) 858-7900
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) 891-2860 to 65
http://www.fami.com.ph
AUGUSTO M. COSIO. President

First Metro Securities Brokerage Corporation

18/F PSBank Center, 777 Paseo de Roxas corner Sedeño Street, Makati City
(632) 859-0600 to 02
https://www.firstmetrosec.com.ph
GONZALO G. ORDOÑEZ, President

Philippine AXA Life Insurance Corporation

34/F GT Tower International, Ayala Avenue corner H.V. dela Costa Street, Makati City
(632) 885-0101 / 323-1292
https://www.axa.com.ph
RAHUL HORA, President

Charter Ping An Insurance Coporation

G/F and 2/F Skyland Plaza, Sen. Gil J. Puyat Avenue corner Tindalo Street, Makati City
(632) 580-6800 / 844-7044 to 54
http://www.charterpingan.com
RAHUL HORA, President

PHILIPPINE SAVINGS BANK

PSBank Center, 777 Paseo de Roxas corner Sedeño Street, Makati City
(632) 885-8208
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) 802-6888
http://www.sumisho.com.ph
YOSUKE UNIGAME, President

METROBANK CARD CORPORATION

Metrobank Card Corporation Center, 6778 Ayala Avenue, Makati City

(632) 870-0900
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) 858-8888
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) 883-6888
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) 858-8200
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) 858-8500 / 757-8500
http://www.toyotafinancial.ph
ATSUSHI MORAKAMI, President

TOYOTA MANILA BAY CORPORATION

Metropolitan Park, Roxas Blvd. corner EDSA Extension, Pasay City

(632) 581-6168
http://www.toyotamanilabay.com.ph
YOSHINORI HATTORI, President

PROPERTY COMPANY OF FRIENDS, INC.

Pro-Friends Center, 55 Tinio Street, Brgy. Addition Hills, Mandaluyong City
(632) 727-8000
https://www.profriends.com
GUILLERMO C. CHOA, President

METROBANK FOUNDATION, INC.

4/F Metrobank Plaza, Sen. Gil Puyat Avenue, Makati City

(632) 898-8000
http://www.mbfoundation.org.ph
ANICETO M. SOBREPEÑA, President

Manila Doctors Hospital

667 U.N. Avenue, Ermita, Manila

(632) 558-0888
http://www.maniladoctors.com.ph
ANICETO M. SOBREPEÑA, Acting President

Manila Tytana Colleges

President Diosdado Macapagal Blvd., Metropolitan Park, Pasay City

(632) 859-0888
http://www.mtc.edu.ph
SERGIO S. CAO, President