Capital Structure and Adequacy

• Authorized Capital Stock: ₱140 billion

• Paid-up Capital: ₱40 billion

• Tier 1 Capital: (Core capital – includes equity capital and disclosed reserves)

• Tier 2 Capital: (Supplementary capital – includes subordinated debt, hybrid instruments)

• Capital Adequacy Ratio (CAR): ~15.2% (above BSP minimum of 10%)

PNB maintains a strong capital position that ensures financial resilience and regulatory compliance under Basel III standards. This reflects the bank's ability to absorb financial shocks and continue lending to the economy.