Business Segments

Business Segments

Business Segments

UnionBank is a universal bank in the Philippines whose principal business activities comprise corporate banking services, middle-market banking services, retail banking services, consumer finance and treasury activities. The Bank offers a wide range of commercial, retail and corporate banking products and services, including traditional loan and deposit products, cash management services, trust banking services, credit card services and electronic banking, under each of its business divisions to corporate, mid-sized corporations and SMEs and retail consumers.

Trust Banking

UnionBank provides trust products and services through its Trust and Investment Services Group (“TISG”). {showhide title="CLICK HERE TO READ MORE..." template="strong"; changetitle="CLICK HERE TO CLOSE..." mousetitleistitle=true closeonclick=true titleasspan=true}

TISG is a full service trust banking unit and offers a wide range of trust products and services, including fund management, investment management services, custodianship, administratorship and collateral agency services and stock and transfer agency services. In addition to offering trust services to corporate customers, the TISG provides retail customers with alternative investment opportunities through its investment fund products.

Quick Links
Corporate Trust Services
Personal Investments

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Cash Management

UnionBank offers cash management products and services to its corporate customers through its Corporate Product Banking Center. {showhide title="CLICK HERE TO READ MORE..." template="strong"; changetitle="CLICK HERE TO CLOSE..." mousetitleistitle=true closeonclick=true titleasspan=true}

The Bank’s cash management products and services consist of a wide range of custom-tailored disbursement, remittance, collection and information portal solutions, which the Bank believes are among the most technologically-advanced corporate cash management solutions available in the Philippines.

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Retail Banking

UnionBank’s retail banking activities are undertaken through the Retail Banking Center, which consist principally of the offering of principally deposit products and services to retail customers comprising individuals, small businesses and sole proprietorships. {showhide title="CLICK HERE TO READ MORE..." template="strong"; changetitle="CLICK HERE TO CLOSE..." mousetitleistitle=true closeonclick=true titleasspan=true}

The Bank’s deposit products (peso demand deposits, peso & dollar savings deposits, peso & dollar time deposits and other foreign currency time deposits) and services are also accessible by customers through the Bank’s sophisticated internet banking network, where customers can also check their balances, pay bills, transfer funds, execute wire transfers, order checkbooks, print statements and issue stop payment orders online on a real-time basis.

Quick Links
Deposit Accounts
Business Class
Internet & Mobile Banking
EON Cyber Account
Disbursement Accounts
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Treasury Operations

UnionBank’s treasury, funding and trading activities are undertaken by its Trading, Positioning and Funds Management Center (“TPFM Center”), which also has primary responsibility for managing the Bank’s sources of funding, and ensuring that the Bank has adequate liquidity at all times. {showhide title="CLICK HERE TO READ MORE..." template="strong"; changetitle="CLICK HERE TO CLOSE..." mousetitleistitle=true closeonclick=true titleasspan=true}

In addition, the TPFM Center manages the Bank’s domestic and foreign currency-denominated investment instruments. The TPFM Center actively engages in trading for its own proprietary account, as well as for individual and institutional investors who are customers of the Bank. The TPFM Center also engages in derivatives transactions to manage the Bank’s foreign exchange, interest rate and market risks, as well as to service the hedging requirements of its clients. Finally, the TPFM Center is responsible for conducting the Bank’s foreign exchange business and trust banking business. {/showhide}

Consumer Finance

UnionBank’s consumer finance activities are undertaken through the Consumer Finance Center.  {showhide title="CLICK HERE TO READ MORE..." template="strong"; changetitle="CLICK HERE TO CLOSE..." mousetitleistitle=true closeonclick=true titleasspan=true}

The Bank offers various types of consumer finance products to individuals, which consist principally of residential mortgage loans, auto loans, salary loans and credit cards. Housing & Auto Loans Credit Cards {/showhide}

Commercial Banking

UnionBank’s commercial banking activities are undertaken by its Commercial Banking Center and comprise the provision of banking products and services to customers from the middle-market which include small- to medium-sized enterprises and individual entrepreneurs. {showhide title="CLICK HERE TO READ MORE..." template="strong"; changetitle="CLICK HERE TO CLOSE..." mousetitleistitle=true closeonclick=true titleasspan=true}

The products and services provided to middle-market customers include similar products and services provided to large corporate customers under the Bank’s corporate banking segment, as well as trade finance related products and services. {/showhide}

Corporate Banking

UnionBank’s corporate banking activities comprise principally of the offering of deposit products and commercial loans to large corporate customers.  {showhide title="CLICK HERE TO READ MORE..." template="strong"; changetitle="CLICK HERE TO CLOSE..." mousetitleistitle=true closeonclick=true titleasspan=true}

Corporate banking activities are undertaken through its Corporate Banking Center, which is also responsible for all of the asset recovery activities of the Bank. The Bank provides a wide range of loan products and services to its corporate customers, including revolving credit lines, foreign currency loans, bills purchased acceptances, trade finance facilities, project finance, term loans and collective credit cards. The Bank is also involved in long-term specialized program lending that is funded by the Government and supranational organizations. In addition, UnionBank is also into purchasing of receivables under “contract to sell”.{/showhide}


 

 



 


Business Segments

Trust Banking

{showhide title="CLICK HERE TO READ MORE..." template="strong" changetitle="CLICK HERE TO CLOSE..." mousetitleistitle=true closeonclick=true titleasspan=true}

UnionBank provides trust products and services through its Trust and Investment Services Group (“TISG”). TISG is a full service trust banking unit and offers a wide range of trust products and services, including fund management, investment management services, custodianship, administratorship and collateral agency services and stock and transfer agency services. In addition to offering trust services to corporate customers, the TISG provides retail customers with alternative investment opportunities through its investment fund products.


Corporate Banking

UnionBank’s corporate banking activities comprise principally of the offering of deposit products and commercial loans to large corporate customers. Corporate banking activities are undertaken through its Corporate Banking Center, which is also responsible for all of the asset recovery activities of the Bank. The Bank provides a wide range of loan products and services to its corporate customers, including revolving credit lines, foreign currency loans, bills purchased acceptances, trade finance facilities, project finance, term loans and collective credit cards. The Bank is also involved in long-term specialized program lending that is funded by the Government and supranational organizations. In addition, UnionBank is also into purchasing of receivables under “contract to sell”.

Link to Corporate main page


Commercial Banking

UnionBank’s commercial banking activities are undertaken by its Commercial Banking Center and comprise the provision of banking products and services to customers from the middle-market which include small- to medium-sized enterprises and individual entrepreneurs. The products and services provided to middle-market customers include similar products and services provided to large corporate customers under the Bank’s corporate banking segment, as well as trade finance related products and services.

(Link to Business Line)


Consumer Finance

UnionBank’s consumer finance activities are undertaken through the Consumer Finance Center. The Bank offers various types of consumer finance products to individuals, which consist principally of residential mortgage loans, auto loans, salary loans and credit cards.

 

Links to

Housing & Auto Loans
Credit Cards


Treasury Operations

UnionBank’s treasury, funding and trading activities are undertaken by its Trading, Positioning and Funds Management Center (“TPFM Center”), which also has primary responsibility for managing the Bank’s sources of funding, and ensuring that the Bank has adequate liquidity at all times. In addition, the TPFM Center manages the Bank’s domestic and foreign currency-denominated investment instruments. The TPFM Center actively engages in trading for its own proprietary account, as well as for individual and institutional investors who are customers of the Bank. The TPFM Center also engages in derivatives transactions to manage the Bank’s foreign exchange, interest rate and market risks, as well as to service the hedging requirements of its clients. Finally, the TPFM Center is responsible for conducting the Bank’s foreign exchange business and trust banking business.


Retail Banking

UnionBank’s retail banking activities are undertaken through the Retail Banking Center, which consist principally of the offering of principally deposit products and services to retail customers comprising individuals, small businesses and sole proprietorships. The Bank’s deposit products (peso demand deposits, peso & dollar savings deposits, peso & dollar time deposits and other foreign currency time deposits) and services are also accessible by customers through the Bank’s sophisticated internet banking network, where customers can also check their balances, pay bills, transfer funds, execute wire transfers, order checkbooks, print statements and issue stop payment orders online on a real-time basis.

 

Links:

Deposit Accounts
Business Class
Internet & Mobile Banking
E-on Cyberaccount
Disbursement Accounts


Cash Management

UnionBank offers cash management products and services to its corporate customers through its Corporate Product Banking Center. The Bank’s cash management products and services consist of a wide range of custom-tailored disbursement, remittance, collection and information portal solutions, which the Bank believes are among the most technologically-advanced corporate cash management solutions available in the Philippines.

Link to CMS page


Trust Banking

UnionBank provides trust products and services through its Trust and Investment Services Group (“TISG”). TISG is a full service trust banking unit and offers a wide range of trust products and services, including fund management, investment management services, custodianship, administratorship and collateral agency services and stock and transfer agency services. In addition to offering trust services to corporate customers, the TISG provides retail customers with alternative investment opportunities through its investment fund products.


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1 Make sure that the website address appearing on your browser starts with https://ebanking.unionbankph.com/ and a padlock symbol (🔒) beside it.If you see something different or there is no address appearing, please do not proceed and report to us immediately.

2 You can only type in your password or PIN using the virtual keyboard.

3 Keepyour device virus-free. Make sure you have an updatedanti-virus software.

4 To secure your account, we strongly advise you to avoid downloading your banking documents using a public computer




For more information, please visit theSafe Surfing Guidelinespage or call our 24-hour Customer Support at (02)8418600.
1 Make sure that the website address appearing on your browser is Union Bank of the Philippines and has a padlock symbol (🔒) beside it. If you see something different or there is no address appearing, please do not proceed and report to us immediately.

2 You can only type in your password or PIN using the virtual keyboard.

3 Keepyour device virus-free. Make sure you have an updatedanti-virus software.

4 To secure your account, we strongly advise you to avoid downloading your banking documents using a public computer




For more information, please visit theSafe Surfing Guidelinespage or call our 24-hour Customer Support at (02)8418600.
1 Make sure that the website address appearing on your browser starts with https://ebanking.unionbankph.com and a padlock symbol (🔒) beside it.If you see something different or there is no address appearing, please do not proceed and report to us immediately.

2 You can only type in your password or PIN using the virtual keyboard.

3 Keepyour device virus-free. Make sure you have an updatedanti-virus software.

4 To secure your account, we strongly advise you to avoid downloading your banking documents using a public computer




For more information, please visit theSafe Surfing Guidelinespage or call our 24-hour Customer Support at (02)8418600.
1 Make sure that the website address appearing on your browser is Union Bank of the Philippines and has a padlock symbol (🔒) beside it. If you see something different or there is no address appearing, please do not proceed and report to us immediately.

2 You can only type in your password or PIN using the virtual keyboard.

3 Keepyour device virus-free. Make sure you have an updatedanti-virus software.

4 To secure your account, we strongly advise you to avoid downloading your banking documents using a public computer




For more information, please visit theSafe Surfing Guidelinespage or call our 24-hour Customer Support at (02)8418600.
1 Make sure that the website address appearing on your browser starts with https://ebanking.unionbankph.com and a padlock symbol (🔒) beside it.If you see something different or there is no address appearing, please do not proceed and report to us immediately.

2 Keepyour device virus-free. Make sure you have an updatedanti-virus software.

3 To secure your account, we strongly advise you to avoid downloading your banking documents using a public computer




For more information, please visit theSafe Surfing Guidelinespage or call our 24-hour Customer Support at (02)8418600.
1 Make sure that the website address appearing on your browser is Union Bank of the Philippines and has a padlock symbol (🔒) beside it. If you see something different or there is no address appearing, please do not proceed and report to us immediately.

2 Keepyour device virus-free. Make sure you have an updatedanti-virus software.

3 To secure your account, we strongly advise you to avoid downloading your banking documents using a public computer




For more information, please visit theSafe Surfing Guidelinespage or call our 24-hour Customer Support at (02)8418600.
1 Make sure that the website address appearing on your browser starts with https://ebanking.unionbankph.com and a padlock symbol (🔒) beside it.If you see something different or there is no address appearing, please do not proceed and report to us immediately.

2 Keepyour device virus-free. Make sure you have an updatedanti-virus software.

3 To secure your account, we strongly advise you to avoid downloading your banking documents using a public computer




For more information, please visit theSafe Surfing Guidelinespage or call our 24-hour Customer Support at (02)8418600.
1 Make sure that the website address appearing on your browser is Union Bank of the Philippines and has a padlock symbol (🔒) beside it. If you see something different or there is no address appearing, please do not proceed and report to us immediately.

2 Keepyour device virus-free. Make sure you have an updatedanti-virus software.

3 To secure your account, we strongly advise you to avoid downloading your banking documents using a public computer




For more information, please visit theSafe Surfing Guidelinespage or call our 24-hour Customer Support at (02)8418600.