With the ever-changing needs of Filipinos and Filipino businesses, more people are looking for financial services to help them address their goals. Lucky for Filipinos, they can come to banks with a long history of helping Filipinos – like the Philippine National Bank (PNB).
Written by: Piggyy
Housing Loan
Auto Loan
Business Loans
Auto Protector Plan
House Protector Plan
6-in-1 Family Accident Protector Plan
ATMSafe
Azpire Growth Prime
Intensify
Maximal Power
Optimal Powers
eAZy Protect
Diversify
Premier Life
Allianz Well!
Allianz eAZy Health
Healthy Dynamics
AZpire Wiz Prime
Achievers
AZpire Peak Prime
PNB Essentials Mastercard
PNB Platinum Mastercard
PNB Ze-Lo Mastercard
PNB Cart Mastercard
PNB-PAL Mabuhay Miles NOW Mastercard
PNB-PAL Mabuhay Miles Platinum Mastercard
PNB-PAL Mabuhay Miles World Mastercard
PNB Visa Classic
PNB Visa Gold
PNB Diamond UnionPay
PNB-La Salle Green Hills Alumni Association Platinum Mastercard
Bank services
On the 22nd of July 1912, the Philippine National Bank (PNB) was first established as a government-owned institution. The first headquarters was located in the Masonic Temple along Escolta, Manila, which was then known as the Wall Street of the Philippines. In 1916, PNB replaced the Php 1 Million government-owned Agricultural Bank, and since then, the Filipinos have had a bank that they called their own.
Back then, PNB was authorized to provide short-term and long-term to the agricultural industry, offering interests at 8% to 10% per annum. In 1916, they first branched out in Iloilo, in 1917 they opened a branch in New York. They opened a few more branches the next year in the Philippines and then in Shanghai, China.
In the 1990s, PNB was privatized with Mr. Lucio Tan owning 35% of the total outstanding capital stock. Since 1912, PNB has gone a long way to now offering universal products for its retail and corporate clients.
PNB is regulated by the Bangko Sentral ng Pilipinas (BSP) and its main office is located at Philippine National Bank Financial Center, Pres. Diosdado Macapagal Boulevard, Pasay City. Their customer care can be contacted at any time of the day at (+632) 8573 8888 or an email to be sent at [email protected].
PNB offers Home Loans for the following purposes:
Loanable Amount:
Loan Term:
Annual Percentage Rate (APR): The interest rate for your loan is the prevailing home loan rate at the time of availment.
Mode of Payments Available:
If you’re planning to start your home loan application, here are some of the things that you need to be prepared with:
Employed:
Income Documents
Overseas Filipino Worker:
Self-Employed:
Practice of Profession:
If from the commission: Vouchers or Bank Statements for the last six (6) months reflecting commission income
If from rental of properties:
If from transport business:
People look forward to buying their own car to travel comfortably, safely, and conveniently. Cars can be expensive if you pay upfront, but they can also be necessary most of the time. An auto loan will help you bring home your dream car.
Loan Amount:
Loan Terms: 12 months to 60 months
Entrepreneurs always aim to answer to the demands of their businesses. Through expansion, companies can generate more revenue and increase their product lines. With PNB, there are many loan options that companies may opt to go for, depending on their needs.
This type of business loan has a loan term of 2 to 7 years. This is ideal for businesses that require expansion or an upgrade of its facilities or equipment, or perhaps the acquisition of capital goods, or perhaps for project financing.
Short-term loans have a repayment term of 1 year at most to fund the day-to-day operations of the business and purchase of inventory and supplies.
Revolving Credit Line | When businesses fall short on working capital requirements, this line is used to augment the business needs and are typically available by promissory notes up to 360 days |
Omnibus Line | A multi-purpose loan that can be combined with Export Advance Line, LC/TR Line, RCL, etc. depending on you requirements |
Peso/FX Convertible Credit Line | This is only available to foreign exchange-earners and is used to finance short-term requirements. It can be withdrawn in peso or USD, depending on what you require. |
Discounting Line | Sometimes, when you need additional funding in your business but do not have the available cash yet, you can use the PDCs you have received from your customers. |
Domestic Bills Purchased Line | PNB can purchase your checks, drafts, Treasury Warrants, and other negotiable peso instruments and convert them into cash. |
Sugar Crop Production Line | available to eligible sugar planters |
Sugar Quedan Financing Line | against acceptable raw/refined sugar quedans available to both sugar millers and traders |
Operational Loan | finance the working capital and/or CAPEX requirements of sugar mills |
Time Loan | long-term capex of sugar mills |
Time Loan Agricultural | finance other sugar production requirements such as purchase or repairs of equipment, repair of farm roads, and construction of farmhouses |
Eligible Borrowers: Local governments of provinces, cities, and municipalities
Eligible Projects:
A small business loan program is available for SMEs to finance business expenditures or expansion.
Eligible borrowers:
Loan Features:
PNB’s Bancassurance is designed to secure its customers’ future by providing excellent financial services in the form of insurance.
Allianz PNB Life Insurance, Inc offers the life insurance products offered by PNB. Here are the different insurance products:
Savings and Investment | Azpire Growth Prime – to grow your money faster Intensify – endowment insurance plan to increase life insurance coverage Maximal Power – maximizes your investments while providing superior lifetime insurance protection Optimal Power – combines insurance and investment benefits into one powerful solution |
Protection | eAZy Protect – provides life and accident coverage with the return of a portion of the total paid premiums for 10 years. Diversify – offers savings opportunities with superior insurance protection of up to 125 times your basic regular annual premiums Premier Life – whole life insurance solution in ensuring a premier life for your family’s future |
Health | Allianz Well! – health plan with a 100M limit that provides yearly medical cover with the option to choose your preferred doctor and medical facility. Allianz eAZy Health is an affordable and renewable 5-year insurance solution that will help you future-proof your health and live with peace of mind. Health Dynamics – unit-linked insurance plan made multistage critical illness benefits even more powerful. |
Education | AZpire Wiz Prime is a unit-linked insurance plan that provides financial solutions for your child’s future educational needs. Achievers – A 2-in-1 solution that provides insurance protection plus guaranteed education benefits. |
Retirement | AZpire Peak Prime is a unit-linked insurance plan that provides financial solutions for your retirement needs. |
Credit Cards offer a convenient way for cardholders to pay for their needs and their kind of lifestyle. Here are the available cards available for application with PNB:
Employed:
Self-Employed:
Foreign National:
Or the following sets of requirements can be submitted instead:
Given the history that PNB has in providing financial service to Filipinos, it has proven that they are working to prioritize the needs of the Filipinos wherever they are in the world.
With a century of experience to back them up, people can count on them for reliability, stability and security.
With PNB being a universal bank, providing financial solutions to individuals and businesses provides a wider reach to millions of Filipinos and entrepreneurs, helping them attain their personal and business goals.
A testament to the commitment of PNB to its mission is reflected on the employees’ perception. When employees are happy, customers are also happy.
In the loan application, customers can follow these steps:
Visit the PNB website at
and check on the loans section. To check whether the loan repayments work with your budget, you may check out the loan calculator.
You may download the form and fill out the details.
Once you have the application form filled and the requirements ready, you may visit the branch nearest you to submit your loan application.
Auto Loan Application
1. Visit the website and proceed to the apply now button. An initial eligibility check is done before you can proceed to the loan application.
2. The next page will require your personal and contact information details.
3. Once all the details are filled, you can review all the information that you have entered before clicking on submit of your application.
Credit Card Application
1. Once you’re on the PNB website, you can choose which credit card is best for you and your needs. Click on Apply Now to start your credit card application.
2. You can enter your personal, contact, work and financial information. The last page will require submission of the requirements.
For Filipinos who need a bank that they can trust, have been in the industry for a long time and can offer them the best solution for all their financial needs, being with PNB can be the best solution for them.
Table of Contents
Table of Contents