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Agenda of Annual or Special Stockholder's Meeting

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Statement of Condition

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Board of Directors, and Our Management



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AOI and By-Laws

Management Committee

Mr. Rolando R. Avante was appointed President and Chief Executive Officer on November 2011. His previous banking experience includes serving as Vice President for Local Currency Desk at City Trust Banking Corporation from 1988 to 1994; Senior Vice President & Treasurer at Urban Bank from 1994 to 1995; First Vice President for Domestic Funds Management at Philippine Commercial International Bank from 1995 to 1999; Executive Vice President and Treasurer at China Trust Commercial Bank Corp. from 1999 to 2009; and Executive Vice President and Treasurer at Sterling Bank of Asia from 2009 to 2011. He was also elected President and Director at the Money Market Association of the Phil. (MART) in 1999 and at ACI Philippines in 2011. Mr. Avante graduated from the De La Salle University with Bachelor of Science degree in Commerce, major in Marketing Management, and has taken MBA units from the same university.

Atty. Roberto S. Santos is the Corporate Secretary and holds the position of Vice-President and Head of the Legal Services Group. In his 37-year experience in banking and finance, he was a Manager at Traders Royal Bank since 1980, held various executive positions with Security Bank from 1982 to 1999, General Manager of Security Finance Company from 1997-2001, and was the Head of the Legal Department of Metrobank Card Corporation from 2002 to 2004. Atty. Santos later joined PBB as Assistant Vice-President in 2008.

Mr. Joseph Edwin S. Cabalde is the Treasurer and holds the position of Senior Vice-President and Head of the Treasury Services Group. His work experiences include: Accounting Assistant and Assistant Secretary Head of China Banking Corporation from 1991 to 1993; Treasury Officer of Urban Bank Inc. from 1993 to 1995; Manager and Chief Dealer of Bangkok Bank Manila, and of Bank of Tokyo Mitsubishi from 1995 to 2004; Treasury Head of Oilink International from 2004 to 2007;and Assistant Vice-President and Treasurer of EEI Corporation from 2007 to 2008. Mr. Cabalde attended the Corporate Good Governance and AML Seminars sponsored by PBB.

Ms. Teresita S. Sion is the Assistant Vice President and Trust Officer of PBB. Her banking experiences include: Per Pro of the Trust Services Group at Philippine Commercial International Bank from 1976 to 1991; Officer-in-Charge of the Trust Banking Group of Metropolitan Bank and Trust Company from 1991 to 1995 and later became the Senior Manager of the Trust and Investment Department of All Asia Capital which she held until September of 1998; Vice President and Head of the Trust Banking Group of Export and Industry Bank, Inc from October 1998 to November 2006; Consultant on Financial Matters of MRC Allied, Inc from August 2008 to May 2009; and was also the Consultant for Trust Banking Sector of Asiatrust Development Bank from May 2009 to July 2009. She was later appointed as Vice President and Trust Officer of the same bank until February 2012. She joined PBB in February 2012 as Marketing and Business Development Officer and became the Assistant Vice President and Trust Officer on November of the same year.

Mr. Efren P. Mercado is the Vice President and Head of the PBB's Commercial Banking Group - Centers 3&4. He started as Paymaster at Del Mar Carriers from 1968 to 1970. His banking career started at Philippine Banking Corporation from 1970 to 1988 with a variety of positions from Rank and File to Managerial. He also joined China Banking Corporation in 1992 to 2005 and had held several Managerial and Executive positions including Branch Manager, Area Head and Senior Assistant Vice President. He joined PBB in March 2011.

Ms. Laurence R. Rapanut is the Assistant Vice President and Internal Auditor of PBB. Her work experiences include: Junior Examiner of Far East Bank and Trust Company from June 1985 to January 1988; Junior Examiner to Branch Controller of First Philippine International Bank from September 1988 to January 1995; Branch Accountant to Senior Assistant Manager of Westmont Bank from April 1996 to December 2000; and Senior Assistant Manager to Manager of United Overseas Bank from January 2001 to January 2006. She joined PBB in March 2006 as Supervising Examiner of Internal Audit Center.
  • Management Committee
  • Committee on Employee Discipline
  • Bid Committee

Mr. Felipe V. Friginal is the First Vice-President and Group Head of the Branch Banking Group. He held various positions at United Coconut Planters Bank such as Cashier from 1984 to 1986; Branch Accountant of Northern Luzon Branches from 1986 to 1989; Assistant Manager - Cashier from 1989 to 1991; Senior Assistant Manager - Cashier from 1991 to 1992; Senior Manager from 1992 to 1998; Assistant Vice-President - SMC Branch Head from 1998 to 1999; and Assistant Vice-President GMA 6 Area Head from 1999 to 2003.

Mr. Agustin E. Dingle is the First Vice-President and Chief Compliance Officer of PBB. His work experiences include: Chief Compliance Officer of China Bank Savings from 2010 to 2012; Head of Reports Section / Accounting Department from 1997 to 1998; Senior Bank Examiner of Central Bank of the Philippines from 1985 to 1994; Reconcilement Analyst of Philippine National Bank from 1979 to 1985; and Loans Bookkeeper of Banco Filipino from 1977 to 1979. Mr. Dingle is a Certified Public Accountant and a member of the Philippine Institute of Certified Public Accountants. He held various managerial and executive positions with PBB such as Assistant BBG/BOCC head from 1998 to 2001, and Internal Auditor and Chief Compliance Officer from 2002 to 2009.

Ms. Roselle M. Baltazar is the First Vice-President and Assistant Comptroller at the same time, Head of Central Operations Group of PBB. In 1999, she joined PBB and held various managerial and executive positions including: VP-COG Head - January 2011- June 2012, On June, 2012, appointed as Assistant Controller; Assistant Vice President & COG Head - March 2005-December 2010; Senior Manager and Head of Central Operations Group from 2004 to 2005; Senior Manager and Head of Branch Operations Control Center (BOCC) from 2001 to 2004; Senior Manager and Head of General Services Center (GSC) from 2001 to 2003; Manager and Head of Systems and Methods Sector (SMS) from 2000 to 2001; and Assistant Manager and Senior Systems Analysts from 1999 to 2000. She started her banking career at Westmont Bank (now United Overseas Bank) as: Accountant from 1996 to 1999, Audit Examiner II from 1995 to 1996, Loan Assistant from August 1995 to October 1995, and CASA Bookkeeper from June 1995 to August 1995. She is a Certified Public Accountant and a Civil Service (Professional and Sub-Professional) eligible.

Mr. Eduardo "Poy" Que, First Vice President and Group Head of Corporate Banking, joined PBB in 2012 after his 31 years Universal Banking experience with Allied Banking Corporation. He top-notched his officer training class and was appointed official trainer / lecturer in the Officer Development Program of Allied Bank for subjects International Banking Operations (Foreign/Domestic Trade); Credit Management; Business Development; Account Management; and Loans and Corporate/Merchant Banking. He is the most senior account officer for Corporate Banking Division where he spent about 20 years. He graduated college at De La Salle University, Bachelor of Science in Commerce, Major in Management of Financial Institutions and was a Dean's Lister. Mr. Que pursued his Masters Degree at Ateneo de Manila, Rockwell - Masters in Business Administration (MBA), full course Dean's Lister, batch top-notcher and Gold Medal Awardee in academics.

Ms. Clarissa S. Rivera is the Vice President and Head of Consumer Banking Group of PBB. She graduated with the degree of BSBAAccounting from Miriam College and is a Certified Public Accountant. Ms. Rivera also holds the degree of Doctor of Business Administration from Colegio de San Juan de Letran. She was previously connected with Planters Development Bank as Manager and Head of Credit and Customer Service from 2004 to 2008; Assistant Manager/Account Officer of International Exchange Bank from 2002 to 2004; Manager/Account Officer of Asiatrust Bank from 2001 to 2002; and occupied various positions with Shopping Center Management Corporation, CIPI Leasing & Finance Corporation, and Philippine National Bank. She joined PBB in June 2008.

Ms. Miami V. Torres is the Vice-President and Head of the Credit Management Group. She is a graduate of AB Behavioral Science and BSC Accounting from the University of Santo Tomas. Ms. Torres is a Certified Public Accountant and a member of the Philippine Institute of Certified Public Accountants. She has with her 29 years of banking experience which started in 1984 as a junior bookkeeper in UCPB, handling SA, CA, CTD, Proofsheet, GL and remittances. She had 2 years experience as a Senior Analyst in the same Bank before she became an officer. As an officer, Ms. Torres was assigned as Branch Operations Officer and Branch Marketing Officer. Her last stint with UCPB was as Branch Head for Pasay Rotonda Branch. From 2002 to present, she held various managerial and executive positions with PBB: Branch Head of Antipolo Branch in 2002; Section Head of Remedial & Special Assets Management Group (RSAM) in 2003; Head of Credit Services Group from 2006 to 2008;Head of RSAM from 2008 to 2010; and Head of Credit Services Group from 2010 up to present.

Atty. Leonardo C. Bool is the Assistant Corporate Secretary holding the position of Assistant Vice President. He obtained his college degree, Bachelor of Science in Commerce Major in Accounting, at the University of Santo Tomas. Atty. Bool also obtained his Bachelor of Laws (LlB) in the same University. He is a Certified Public Accountant and a Lawyer at the same time. Prior to joining Philippine Business Bank, Atty. Bool was employed with Philippine Banking Corporation (later on merged with Global Business Bank) for 13 years from 1987 to 2000 and was with Export and Industry Bank (EIB) from 2000 to 2004. After his resignation at EIB in 2005 to 2010, he engaged a full time law practice handling civil, criminal, labor, corporate and administrative cases.
  • Management Committee

Mr. Dave Sison joined Philippine Business Bank in July 2014. He leads the Bank's Corporate Planning Group, which plays a key role in the bank's strategic management, investor relations functions, and M&A initiatives. He is also part of the MIS unit that leads the profit planning performance analysis of the Bank which assists senior management in the process of decision-making and tracks performance of the Bank’s business units. Prior to PBB, he was a private equity analyst with KGL Investment Company Asia since 2008. Before joining KGL, Dave was an investment banking associate with PNB Capital & Investment Corporation, a boutique investment bank offering financial advisory, debt syndications, and corporate finance services. He began his career in finance as an investor relations analyst with ABS-CBN Corporation. He graduated in 2006 with a Bachelor of Science degree in Management Engineering (an Honors Program) from the Ateneo de Manila University where he received training in traditional management disciplines (marketing, finance, operations management, organizational behavior, and strategic management), economics, and the social sciences in combination with skills development in qualitative and quantitative analysis, mathematics, statistics, and operations research. Mr. Sison completed the Value Investing Program at Colombia Business School in New York City.

Ms. Belinda C. Rodriguez joined Philippine Business Bank on January 2016 as Chief Risk Officer (CRO) and Head of Enterprise Risk Management Group. As CRO, she is responsible for the supervision of the implementation of the risk management framework as part of corporate governance whereby risk management policies and best practices are instituted. Ms. Rodriguez is a seasoned bank executive with 33 years of experience in the financial services industry and a strong background in enterprise risk management honed from job exposure from her employment both on the regulator (BSP) as examiner and regulated private and government banks. Most recently, she served as First Vice President for Asia United Bank, where she held various positions for eighteen years that included the CRO, Chief Compliance Officer (CCO), and head of the branch banking operations support and treasury operations. She was Executive Vice President for Operations and Controllership of Town Savings Bank. She was head of Treasury Operations of foreign-owned Dao Heng Bank. After BSP, she joined the Management Training Program of Land Bank of the Philippines and then later became head of the Treasury Operations and Product Development. During her career, she has managed a number of activities involving operations and control functions. Other areas of expertise include audit, compliance, remittance, and resource optimization through improved controls, re-engineering and process realignment. Ms. Rodriguez has participated and continue to join in various banking industry forums on risk management, regulatory compliance, AMLA, and credit risk. She was a resource speaker on the topic of Risk Management of the RBAP Institute for almost ten years. She is a graduate of state university, Polytechnic University of the Philippines with a degree in Commerce major in Accounting and is a Certified Public Accountant (CPA). Ms. Rodriguez has completed her MBA Degree from the Ateneo Graduate School of Business (AGSB).

Ms. Consuelo V. Dantes was appointed as the Human Resources Group Head with the rank of Senior Vice-President effective March 2017. She brings with her 33 years of expertise in the field of Human Resources Management, Corporate Support Services Group, and Business Unit Management. She was recently employed with EastWest Bank (EWB) as Human Resources Group Head from May 16, 2013 to July 31, 2016. Apart from being the Head of HRG, she was also the Chief of Staff from May 16, 2012 to May 15, 2013 under the Office of the President where she worked with 12 units - Credit, Human Resources, Collection and Asset Recovery, Legal Services, Customer Service, Consumer Lending, Corporate Banking, and Administrative Services. Prior to her stint with EWB, she was with PlantersBank (now China Bank Savings) for 22 years from June 18, 1990 to March 31, 2012 where she held various lead positions in Human Resources, Corporate Communications, Corporate Planning, and Collection and Asset Recovery. She was an international consultant for Human Resource Management under ShoreCap Exchange, the training arm of ShoreCap International, and worked as consultant with Cambodia Entrepreneur Building Co., Ltd. in Cambodia. She was also a speaker/facilitator in seminar-workshops conducted by ShoreCap Exchange in Chennai, India, and Luxembourg. Also, during her stint with PlantersBank (now ChinaBank Savings) she was at one point appointed as the President and Chief Operating Officer of PDB-FMO Development Center (PDCenter). In addition, Ms. Dantes' other banking experience also include stints with the following banks: Boston Bank of the Philippines (now Bank of Commerce - Branch Marketing and Development Group / Manager); Asiatrust Bank - Manager of Market Planning Group; and Security Bank Corporation - Branch Manager of Buendia Branch. A Cum Laude graduate from University of the Philippine - Diliman with a degree in Bachelor of Arts in Economics, she took her MBA units with De La Salle University. Ms. Dantes is a Professional Executive Coach certified in the US-based International Coach Federation (ICF) way, by Benchmark Consulting.
  • Management Committee
  • Committee on Employee Discipline

Mr. Rosendo 'Rudy' Sia joined Philippine Business Bank in July 2016. He is the Senior Vice President/Group Head of the Business Development Group for Visayas and Mindanao. His task is to generate business from new clients as well as development and deepen further banking relationship with existing bank clients. In 1977, he began his career as an Assistant Chief Accountant of Rizal Securities Corp., then on the same year he joined Guzman, Bocaling &Co., CPAs, an Auditing Firm as an Auditor and became a Senior Auditor before moving to the Central Bank of the Philippines, now BSP, as a Non-Bank and Bank Examiner from 1981 to 1988. He joined Land Bank of the Philippines as a Branch Manager from 1988 to 1993 where he was assigned in the Provincial branches of Tuguegarao City, Cebu and Dumaguete City, among others. He joined Metrobank in 1993 up to 2012 as Branch Head in Metro Manila area where he rose from the ranks from Senior Manager to Senior Vice President and held various key positions and committee memberships. Before joining PBB he was connected with Asia United Bank from 2012 to 2016 as Senior Vice President / Branch Banking Head for Visayas and Mindanao in concurrent capacity as Branch Lending Group Head. Mr. Sia is a graduate of the University of the East and is a Certified Public Accountant and Masters in Business Administration from De La Salle Graduate School and Asian Institute of Management.
  • Management Committee

Mr. Reynaldo T. Boringot joined Philippine Business Bank in July 2016. He is appointed as the Head of Luzon and NCR Area of Business Development Group with the rank of Senior Vice President. One of his major responsibilities is to bring in new clients for the bank through a variety of sales techniques. Also, he provides additional products/services to already existing clients. He has 37 solid years experience as a Banker. He began his career as a rank and file in Pacific Bank from 1980 to 1985. He transferred to Metropolitan Bank & Trust Company from 1986 to 2003 as one of the youngest Branch Head at the age of 30. Moreover, he was able to open a new branch in Tugatog, Malabon. He was later then transferred to Edsa - Caloocan as one of the youngest Center Head. Finally, he transferred to Asia United Bank, his last employer prior to the current one where he started as Assistant Vice President in 2003 and became a Vice President concurrent as Area Head in Quezon City and the whole of Luzon until 2016. A graduate of University of the East in 1980 with a degree of Bachelor of Science in Commerce major in Management and took his Masteral degree in Business Administration (MBA) units in Philippine School of Business Administration in 1982 to 1983.
  • Management Committee

Ms. Jacqueline Korionoff is the Assistant Vice President and Center Head of the Commercial Banking I at Philippine Business Bank, a position she has held since April 2016. She worked with the banking industry since 2000.She first started as an executive secretary at the New City Toys Manufacturing from 1999 to 2000, then joined the banking industry as Document Analyst at the Jade Progressive Savings and Mortgage Bank in 2000. She started as a Marketing Assistant in PBB under the Account Management Group 1 from 2001 to 2002, then was promoted to Account Officer from 2002 to 2004. Under the same group, she became an Assistant Manager from 2004 to 2005, then Senior Assistant Manager from 2005 to 2006. In 2006, she was promoted to Manager and later promoted as Senior Manager in 2008. Ms. Jacq has participated in various banking seminars, particularly on credit and Corporate Governance. She is a graduate of the University of Santo Tomas with a degree in Bachelor of Arts major in Economics in 1999. She took her Masters in Business Administration in 2004, also from UST where she graduated Cum Laude. She took up a one-year course on Trust Operations and Investment Management from the Trust Institute Foundation of the Philippines of the Asian Institute of Management (AIM) where she passed the course with distinction.

Ms. Iris Almerino is the Assistant Vice President and Center Head of the Commercial Banking II at Philippine Business Bank, a position she has held since April 2016. She worked with private companies under the accounting department from 2001 to 2006. She started as a Marketing Assistant in PBB in 2007 to 2009 and was promoted to Manager and Account Officer from 2009 to 2015 under Account Management Group 1. On that same year, Iris was promoted to Senior Manager and Market Head under the Branch Lending Unit 1 where she handled the Binondo and Caloocan accounts. Ms. Almerino has participated in various banking seminars, particularly on credit and AMLA. She is a graduate and an academic scholar of the New Era University with a degree in Business Administration major in Management, and is consistent in the dean's list program. She took her Masters in Business Administration degree from Rizal Technological University.

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