Investor Presentaiton

Senior Management Jose Arnulfo "Wick" A. Veloso President and CEO of the Bank since 2018 Cenon C. Audencial Jr. EVP Head of the Institutional Banking Sector Roberto D. Baltazar EVP Head of Global Banking and Markets Sector Nelson C. Reyes EVP Chief Financial Officer Jose German M. Licup FSVP Chief of Staff to the President and CEO Isagani A. Cortes EVP Chief Compliance Officer Aida M. Padilla EVP Head of the Enterprise Services Sector Manuel C. Bahena, Jr. FSVP Chief Legal Counsel Marie Fe Liza S. Jayme FSVP Head of Operations Group Ma. Adelia A. Joson FSVP Head of Retail Banking Sector Maria Paz D. Lim FSVP Corporate Treasurer Nanette O. Vergara FSVP Chief Credit Officer Paolo Eugenio J. Baltao. SVP Special Asstant to the President on the Digital Bank Initiative Socorro D. Corpus SVP OIC Human Resource Group Claro P. Fernandez SVP Head of Public Affairs Group Noel C. Malabag SVP Head, Global Markets Group Michael M. Morallos SVP Head of the Information Technology Group Roland V. Oscuro SVP Chief Information Security Officer Damasen Paul C. Cid FVP Head, Digital Innovations Group Joy Jasmin R. Santos FVP Chief Trust Officer & Head of Trust Banking Group Simeon T. Yap FVP Chief Risk Officer Samuel G. Lazaro VP OIC Internal Audit Group Leia V. Regala-Teodoro SAVP OIC Marketing Services/ Intelligence & Analytics PNB You first. Page 14

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