This document is Philippine Business Bank's 2012 annual report. It summarizes the bank's financial highlights for 2012 including total resources of 33.097 billion, total loans of 20.869 billion, total deposits of 26.449 billion, and net income of 654 million. It discusses the bank's operational highlights for the year such as opening new branches, participating in entrepreneur forums, and awards received. The Chairman's letter expresses satisfaction with the bank's performance and growth while preparing new products and focusing on customers.