Investor Presentaiton

Senior Management Jose Arnulfo "Wick" A. Veloso President and CEO of the Bank since 2018 PNB You first.. Cenon C. Audencial Jr. EVP Head of the Institutional Banking Sector Roberto D. Baltazar EVP Head of Global Banking/ and Markets Sector Chester Y. Luy EVP Head of the Strategy Sector and Wealth Management Group Aida M. Padilla EVP Head of the Enterprise Services Sector Nelson C. Reyes EVP Chief Financial Officer Isagani A. Cortes EVP Chief Compliance Officer Jose German M. Licup FSVP Chief of Staff to the President and CEO Maria Paz D. Lim FSVP Corporate Treasurer Nanette O. Vergara FSVP Chief Credit Officer Manuel C. Bahena, Jr. SVP Chief Legal Counsel Socorro D. Corpus SVP OIC Human Resource Group Claro P. Fernandez SVP Head of Public Affair Group Marie Fe Liza S. Jayme SVP Head of Operations Group Ma. Adelia A. Joson SVP OIC - Retail Banking Sector Roland V. Oscuro SVP Chief Information Security Officer Martin G. Tengco Jr. FVP Chief Audit Executive Michael M. Morallos SVP Head of the Information/ Technology Group Norman Martin C. Reyes SVP Head, Digital Innovations Group Simeon T. Yap FVP Chief Risk Officer Rommel B. Narvaez SVP OIC-Marketing and Brand/ Management Sector Joy Jasmin R. Santos FVP Chief Trust Officer & Head of Trust Banking Group Page 14

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