What is phbank?

As an AI language model, I do not have access to specific information about PHBank. However, based on research, PHBank could refer to Philippine National Bank (PNB), a universal bank in the Philippines. It was founded in 1916 and offers a wide range of financial services, including deposits, loans, credit cards, and wealth management. PNB has a significant presence in the Philippines and also has branches and subsidiaries in other countries.