Philippine National Bank · PSE:PNB
Philippine National Bank — Investor Presentation (March 2026)
24 slides from Philippine National Bank's investor presentation, March 2026
Slide 1: 2026 Investor Presentation
2026 Investor Presentation March 2026
Slide 2: Disclaimer
Disclaimer This document is strictly confidential and has been prepared by or on behalf of Philippine National Bank (the "Company“ or “PNB”) solely for information purposes. The distribution of this document in certain jurisdictions may be restricted by law. Those who come into possession of this do
Slide 3: Agenda
Agenda 3 1. Company Overview 3 7 2. Key Credit Highlights 7 18 3. Key Financial Highlights 18 2
Slide 4: Company Overview
COMPANY OVERVIEW |
Slide 5: PNB - Snapshot
PNB - Snapshot Key Statistics (as of 31 December 2025) 2025 vs. 2024 Total assets PHP 1,374.8 Bn 9.3% YoY Deposits PHP 1,061.2 Bn 9.2% YoY Loans and receivables PHP 740.0 Bn 16.2% YoY Total Equity PHP 240.3 Bn 10.9% YoY Net Income PHP 25.3 Bn 19.7% YoY Market Capitalization PHP 98.5 Bn 96.4% YoY Tie
Slide 6: Shareholding Structure
Shareholding Structure PNB is majority-owned by LT Group, Inc. one of the largest conglomerates in the Philippines LT Group, Inc (99.6%) (100%) (100%) (80% - 100%) (100%) (99.9%) Fortune Tobacco Paramount Tanduay Distillers, 27 HCO’s Saturn Holdings, Inc. Asia Brewery, Inc. Corp. Landequities, Inc.
Slide 7: Multi-awarded Banking and Financial Services
Multi-awarded Banking and Financial Services Awards Principal Banking Activities Branch Banking Retail Lending ▪ Deposit accounts ▪ Home, Auto, and Salary Loans ▪ e-Banking Services ▪ SMEs ▪ Cash Management Solutions ▪ Own a Philippine Home Loan (OPHL) Institutional Banking Trust & Wealth Management
Slide 8: Key Credit Highlights
KEY CREDIT HIGHLIGHTS
Slide 9: Key Credit Highlights
Key Credit Highlights 1 Trusted and established banking brand in the Philippines 2 Extensive and strategically located distribution network Market-leading and low-cost deposit franchise driving competitive cost of 3 funding 4 Strong corporate banking franchise with a growing consumer business Unique
Slide 10: Trusted and established banking brand in the Philippines
1 Trusted and established banking brand in the Philippines PNB has established itself as a well-known banking brand with a strong presence in both rural and metro areas Initially established as a Government-owned bank in 1916, it later became the first universal bank in the Philippines Until 194
Slide 11: Extensive and strategically located distribution network
2 Extensive and strategically located distribution network Extensive and strategically-located domestic network, PNB is well-positioned in financial service delivery BRANCH NETWORK(1) ATM NETWORK (1) LUZON (ex-Metro Manila) 635 branches 1,730 ATMs 202 Branches(3) METRO MANILA 244 Branches(3) 6.5% of
Slide 12: Market-leading and low-cost deposit franchise driving competitive cost of funding
3 Market-leading and low-cost deposit franchise driving competitive cost of funding PNB has been successful in building a low-cost CASA deposit franchise One of the highest CASA/Branch(1) among top private universal PNB’s loyal customer base is a key contributor to its high CASA banks in the Philipp
Slide 13: Strong corporate banking franchise…
4 Strong corporate banking franchise… The Bank provides a full range of banking and other financial services to a diversified customer base including large corporate, middle-market, SMEs and retail customers Institutional Banking Sector (IBS) PNB has the 5th largest loan portfolio in the Philippin
Slide 14: … with a growing consumer business
4 … with a growing consumer business The Bank provides a full suite of consumer banking services including housing, auto and credit cards, enhanced with modern digital apps. (1) Consumer Loans (in PHP bn) 69 Consumer loans grew by 27% in 2025. With housing loans 2% accounted for the largest share
Slide 15: Positioned to service Filipinos globally through an extensive international footprint
5 Positioned to service Filipinos globally through an extensive international footprint PNB has the most extensive international footprint among Philippine banks spanning 17 countries across Asia, Europe, the Middle East and North America with 67 overseas branches PNB’s overseas branch / subsidiary
Slide 16: Highly experienced and trusted management team
6 Highly experienced and trusted management team PNB’s Board of Directors and Senior Management are composed of well-versed, experienced, and recognized professionals. Further, the Board has a strong independent element, with five of its 15 members being independent directors DR. LUCIO C. TAN EDGAR
Slide 17: Highly experienced and trusted management team
6 Highly experienced and trusted management team PNB’s Senior Management Team is composed of seasoned and respected professionals with almost 4 decades of combined banking experience. EDWIN R. BAUTISTA FRANCIS B. ALBALATE ROBERTO D. BALTAZAR ROBERTO F. ABASTILLAS Executive Vice President / Head Pres
Slide 18: Supportive shareholder group
7 Supportive shareholder group PNB is a member of the LT Group, led by Mr. Lucio C. Tan, who has been a pillar of the Philippine banking industry • LT Group is one of Philippines largest conglomerates with and its affiliated companies Strong and diversified business interests ranging from beverage,
Slide 19: Key Financial Highlights
KEY FINANCIAL HIGHLIGHTS il
Slide 20: Balance Sheet
Balance Sheet Total Assets (1) Total Loans and Receivables, net (in PHP bn) (in PHP bn) Loans and Receivables Trading and Investment Securities Others 1,375 740 1,145 1,211 1,258 637 593 617 276 296 279 276 359 276 298 342 593 617 637 740 2022 2023 2024 2025 2022 2023 2024 2025 Total Deposit Liabili
Slide 21: Asset Quality
Asset Quality Non-Performing Loans(1) Non-Performing Loans(1) NPL Coverage Ratio(3) (in PHP mn) NPL, Gross NPL Ratio, Gross NPL, Gross NPL Ratio, Net 6.3% 6.3% 5.7% 4.7% 4.7% 2.5% 1.8% 1.5% 46,054 46,054 88.5% 88.5% 84.8% 82.3% 44,354 44,354 42,005 42,005 39,865 39,865 2022 2023 2024 2025 2022 2023
Slide 22: Profitability
Profitability Net Income Return on Average Equity (1) (in PHP mn) 25,342 21,178 11.09% 17,966 9.95% 10.39% 11,584 7.00% 2022 2023 2024 2025 2022 2023 2024 2025 Net Interest Income and Margin (2) Cost to Income Ratio (3) (in PHP bn) Interest Income Interest Expense NIM 45 49 53 37 54.5% 4.51% 49.6% 4
Slide 23: Capitalization and Liquidity
Capitalization and Liquidity Tier 1 Ratio Equity / Total Average Assets Ratio 17.6% 18.3% 19.2% 19.3% 16.2% 16.9% 14.6% 14.6% 2022 2023 2024 2025 2022 2023 2024 2025 Capital Adequacy Ratio Loans / Deposits Ratio (1) 20.1% 20.1% 17.7% 68.1% 66.5% 65.5% 69.7% 15.4% 2022 2023 2024 2025 2022 2023 2024 2
Slide 24: Thank You
THANK 3. SUSTAINABLE FINANCEYOU FRAMEWORK
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