Philippine Bank of Communications provides commercial banking products and services to individual and corporate clients in the Philippines. The company operates through Branch Banking Group, Corporate Banking Group, Treasury, Consumer Finance, and Trust and Wealth Management segments. Its deposit products and services include savings, checking, time deposit, and ATM accounts; and loan portfolio comprises auto, home, and personal loans, as well as working capital financing, post-dated check discounting, specialized lending programs, and micro-finance services. The company also provides investment and wealth management products; insurance agency services; and cash management solutions, such as auto credit collection, account services and sweeping, auto debit arrangement, bills payment, corporate check printing, manager’s check cutting, post-dated check warehousing, and wire transfer, as well as payroll services. In addition, it offers escrow agency, provident and retirement fund, and fixed income services. Further, the company provides trade check discounting, trade finance receivable, letter of credit/trust receipt, export bills purchase/export packing credit, and foreign and domestic standby letter of credit services. It operates through a network of multiple branches, cash deposit machines, and automated teller machines, as well as offers internet and mobile banking services. The company was incorporated in 1939 and is headquartered in Makati City, the Philippines.