SECURITIES AND EXCHANGE COMMISSIONSEC FORM 18-A

REPORT BY OWNER OF MORE THAN FIVE PERCENT

Check the appropriate box:

Initial Filing

Amendment

Item/s amended by the Filing N/A

1. Exact Name of Registrant as Specified in its Charter

PNB Holdings Corporation

a. Address of Principal Offices

4F and 12F, PNB Makati Center, Ayala Ave., Makati City Postal Code 1229

b. SEC Identification Number

PW00001056

c. Industry Classification Code(SEC Use Only)

d. BIR Tax Identification No.

000-169-158-000

2. Name of Reporting Person

Ruth Pamela E. Tanghal

a. Address of Principal Offices

8F, Office of the Corporate Secretary PNB Financial Center, Pres. Diosdado Macapagal Blvd. Pasay City, Metro Manila Postal Code 1300

b. Telephone Number of Reporting Person

(632) 8526-3131 to 70 local 4582

c. Citizenship or Place of Organization of Reporting Person

Philippines

Name, Address and Telephone Number of person authorized to receive notices and communications if reporting person is a partnership, corporation or other legal entity

Ruth Pamela E. Tanghal/ 8F, Office of the Corporate Secretary PNB Financial Center, Pres. Diosdado Macapagal Blvd. Pasay City, Metro Manila/ (632) 8526-3131 to 70 local 4582

The Exchange does not warrant and holds no responsibility for the veracity of the facts and representations contained in all corporate disclosures, including financial reports. All data contained herein are prepared and submitted by the disclosing party to the Exchange, and are disseminated solely for purposes of information. Any questions on the data contained herein should be addressed directly to the Corporate Information Officer of the disclosing party.

PNB Holdings CorporationLTL

PSE Disclosure Form 17-8 - Report by Owner of More Than Five Percent
References: SRC Rule 18
and Section 17.5 of the Revised Disclosure Rules

Description of the Disclosure
Please refer to the attached SEC Form 18-A as filed with the SEC. For your information and guidance.