Legal Insights
Plain-language guides and case briefs on Philippine law — researched from the firm's law library of 184,000+ statutes, Supreme Court decisions, and agency issuances, and written so non-lawyers can understand and act on them.
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Bank Negligence and Fiduciary Duty: PNBS Responsibility to Depositors
When banks fail depositors, liability follows. This case clarifies the fiduciary duty and negligence standards for Philippine banks.
When a Bank's Auction Purchase Benefits the Mortgagor: PNB v. Tad-y
A bank that buys mortgaged property at a tax auction may hold it in trust for the mortgagor under the mortgage's agency clause.
Counsel Negligence and Strict Procedural Rules: PNB v. Spouses Victor
Supreme Court affirms strict 60-day period for petitions for relief, holding clients bound by counsel's negligence absent clear abandonment.
Forged Signatures and Bank Liability: Upholding Due Diligence in Loan Transactions
When a bank honors a forged check, it bears the loss. The Supreme Court explains why in PNB v. Giron-Roque.
Forged Check Nullifies Loan and Foreclosure: Lessons from PNB v. Giron-Roque
A forged check voids a loan and its foreclosure. Learn the banking diligence rules and borrower remedies from this Philippine Supreme Court case.
Law Firm Partnerships Have Legal Personality: Saludo v. PNB Explained
The Supreme Court clarifies that law firm partnerships are juridical entities with legal personality, separate from their partners.
Late Evidence and the Judicial Affidavit Rule: Lara's Gift v. PNB General Insurers
The Supreme Court clarifies when trial courts may admit late evidence and supplemental judicial affidavits under the Judicial Affidavit Rule.
Affidavits of Retraction and Evidence in Illegal Dismissal Cases: PNB v. Gregorio
Supreme Court clarifies how courts review NLRC rulings and how affidavits of retraction are treated in illegal dismissal cases.
Redundancy Programs and Employee Rights: Understanding Valid Dismissals and Separation Pay
The Supreme Court clarifies the rules on valid redundancy programs, separation pay, quitclaims, and GSIS gratuity pay in PNB v. Dalmacio.
When a Bank's Deposit of Rent Is Not Valid Consignation: PNB v. Chan
The Supreme Court explains why depositing disputed rent in a savings account is not valid consignation, and the consequences of delay.
Unilateral Interest Rate Setting in Loan Agreements: Mutuality of Contracts Under Philippine Law
Philippine Supreme Court ruling on unilateral interest rate setting in PNB loan agreements and the mutuality of contracts principle.
When a Bank's Failure to Release Full Loan Invalidates a Mortgage: PNB v. Tajonera
A bank that fails to release the full approved loan breaches its reciprocal obligation, making the mortgage securing that loan unenforceable.
Mutuality of Contracts: When Banks Cannot Unilaterally Raise Interest Rates
Philippine Supreme Court ruling on Silos v. PNB explains why unilateral interest rate hikes violate the mutuality principle in loan contracts.
Res Judicata and Buyer Rights: PNB v. Lim on Mortgages Under PD 957
The Supreme Court clarifies how final judgments bind parties and how condominium buyers can still redeem units despite a valid mortgage.
Mortgagor Ownership and Estoppel: When a Real Estate Mortgage Stays Valid
Supreme Court clarifies when a mortgagor's ownership and estoppel uphold the validity of a real estate mortgage in PNB v. Reblando.
Verification and Certification Against Forum Shopping: Why All Petitioners Must Sign
A single unsigned verification can dismiss a case. Learn the strict rules on certification against forum shopping from Formoso v. PNB.
Can Tenants Challenge Landlord's Title After Foreclosure? The Ros v. PNB Case
When a bank forecloses on a property, can the borrower's spouse later challenge the mortgage as forged? The Supreme Court explains the limits.
Mortgage Obligations and Appeal Rights in Real Estate Disputes
The Supreme Court rules on mortgage obligations, appeal periods, and writs of execution in a dispute between borrowers and PNB.
Can a Bank Lower the Retirement Age? Lessons from Obusan v. PNB
The Supreme Court explains when a company retirement plan can set a lower compulsory retirement age than the Labor Code's 65-year default.
Retirement Age Flexibility: Employer Rights and Employee Expectations in Philippine Labor Law
Philippine Supreme Court ruling on PNB's compulsory retirement at 60, explaining employer rights and employee expectations under Article 287.
Default Judgments: When a Bank's Procedural Lapses Lead to Default
The Supreme Court upheld a default declaration against PNB for filing a late answer and misleading the court, clarifying strict rules on extensions.
Perfected Appeal: No Second Notice Needed After Decision Modification
A timely first notice of appeal perfects an appeal even if the trial court later modifies its decision. Learn the rule from PNB-Republic Bank v. Cordova.
Annulment of Judgment for Lack of Due Process: A Philippine Legal Guide
Learn when Philippine courts may annul a final judgment for lack of due process, using the Supreme Court's ruling in Intestate Estate of Nimfa Sian v. PNB.
Beyond the Title: Why Philippine Banks Must Investigate Loan Collateral Ownership
Philippine Supreme Court ruling on Omengan v. PNB clarifies banks' duty to investigate collateral ownership beyond the certificate of title.