Established in 1963, UCPB was the first private Philippine bank to become a universal bank, obtaining its expanded commercial banking license in 1981. UCPB is a leading provider of financial products and services to corporations, private and government institutions, middle market companies, small - and medium-sized businesses and individuals in the Philippines. Today, the bank and its subsidiaries operate nationwide delivering a full range of expanded commercial banking services to a highly diversified clientele. It has strong capabilities in consumer finance, commercial credit, corporate and investment banking, trust banking, domestic and international trade finance, treasury and money market investment, cash management and deposit services.