Land Bank of the Philippines

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LANDBANK Issues

PESO LONG-TERM NEGOTIABLE CERTIFICATES OF TIME DEPOSIT (LTNCD)

Corporate Securities

Corporate securities are debt instruments issued by public or private corporations to finance their operations. They are not deposit products and are, hence, not covered by PDIC. They offer fixed coupon rate and enjoy better yields than GS.

e-Banking Consumer Awareness Program

To ensure security in their e-Banking transactions and personal information, consumers should be oriented of their roles and responsibilities which, at a minimum, include the following:

Policies and Issuances

View the Bank's policies relative to issuances from different regulatory bodies.

Truth in Lending Act

It is the policy of the State to protect its citizens from a lack of awareness of the true cost of credit to the user by assuring a full disclosure of such cost with a view of preventing the uninformed use of credit to the detriment of the national economy. DEFINITION OF TERMS (1) "Board" means the Monetary Board of the Central Bank of the Philippines (2) "Credit" means any loan, mortgage, deed of trust, advance, or discount; any conditional sales contract; any contract to sell, or sale or contract of sale of property or services, either for present or future delivery, under which part or all of the price is payable subsequent to the making of such sale or contract; any rental-purchase contract; any contract or arrangement for the hire, bailment, or leasing of property; any option, demand, lien, pledge, or other claim against, or for the delivery of, property or money; any purchase, or other acquisition of, or any credit upon the security of, any obligation of claim arising out of any of the foregoing; and any transaction or series of transactions having a similar purpose or effect (3) "Finance charge" includes interest, fees, service charges, discounts, and such other charges incident to the extension of credit as the Board may be regulation prescribe (4) "Creditor" means any person engaged in the business of extending credit (including any person who as a regular business practice make loans or sells or rents property or services on a time, credit, or installment basis, either as principal or as agent) who requires as an incident to the extension of credit, the payment of a finance charge (5) "Person" means any individual, corporation, partnership, association, or other organized group of persons, or the legal successor or representative of the foregoing, and includes the Philippine Government or any agency thereof, or any other government, or of any of its political subdivisions, or any agency of the foregoing As such, Any creditor shall furnish to each person to whom credit is extended, prior to the consummation of the transaction, a clear statement in writing setting forth, to the extent applicable and in accordance with rules and regulations prescribed by the Board, the following information: (1) the cash price or delivered price of the property or service to be acquired; (2) the amounts, if any, to be credited as down payment and/or trade-in; (3) the difference between the amounts set forth under clauses (1) and (2); (4) the charges, individually itemized, which are paid or to be paid by such person in connection with the transaction but which are not incident to the extension of credit; (5) the total amount to be financed; (6) the finance charge expressed in terms of pesos and centavos; and (7) the percentage that the finance bears to the total amount to be financed expressed as a simple annual rate on the outstanding unpaid balance of the obligation IMPORTANT NOTICE: The disclosure statement in writing is a required attachment to the credit transaction contract. The borrower has a right to demand a copy of the disclosure statement.

Sulong Saka

The Sulong Saka Program aims to provide credit assistance to farmers cultivating high-value crops such as banana, cacao, coffee, oil palm, rubber, vegetables, among others and for various qualified stakeholders to support their production, processing, marketing and other agribusiness projects.

Easy Home Loan

Easy Home Loan helps you buy or construct your dream house. It also allows existing homeowners to refinance their current and existing home loan from other banks or financing firms or developers' in-house financing.

Agricultural Credit Support Project

Contributing to the National Government's goal of poverty reduction, the Agricultural Credit Support Project (ACSP) offers loan funds toward increasing investments, creating new job opportunities, and improving agricultural productivity in the rural areas. The ACSP provides credit support to agriculture and agri-related projects within a value chain. Let LANDBANK's ACSP help you meet your financial needs in agribusiness, be it for your additional capital, production increase, or operational expansion.

Agricultural and Fishers Financing Program

The LANDBANK Agricultural and Fisheries Financing Program (AFFP) provides small farmers with fishers access to formal credit to finance their economic activities. The AFFP is being implemented in partnership with the Department of Agriculture (DA) and the Agricultural and Credit Policy Council pursuant to the General Appropriations Act of 2013.

Sustainability Report

In this report, we present the highlights of the years 2016 and 2017 in terms of LANDBANK’s economic, social, and environmental performances based on our five sustainability cornerstones: Enterprise Development, Community Development, Environmental Protection and Management, Customer Service, and Employee Development.

Foreign Exchange Rates

As of Tue, April 15, 2025

	Buying	Selling
USD	56.65	57.15
JPY	0.390776	0.405879
EUR	63.439475	65.890464
GBP	73.665491	76.511563
HKD	7.276708	7.818463

Unit Investment Trust Funds