Asia United Bank posted a record 12 percent rise in net income to P12.7 billion in 2025, driven by a stronger commercial lending portfolio and improved operational efficiency. The growth highlights the bank’s ability to capitalize on post-pandemic business confidence while keeping its balance sheet clean.
Total loans climbed 13 percent to P276 billion, lifting net interest income 10 percent to P18.4 billion. Low-cost current and savings account (CASA) deposits rose 25 percent to P279 billion, shielding margins from higher funding costs and keeping the net interest margin steady at 4.8 percent. CASA now represents 71 percent of total deposits, which grew 12 percent to P349 billion.
Fee-based income also supported results, with AUB PayMate, HelloMoney, remittances, trust, and credit card operations helping other income rise 8 percent to P4.8 billion, reflecting growing diversification.
Asset quality remained strong, with a nonperforming loan ratio of 0.38 percent and NPL coverage at 115 percent. Total assets increased 13 percent to P435 billion, while capital buffers stayed robust, with Common Equity Tier 1 at 18.4 percent and total capital adequacy at 19.1 percent, providing room for measured growth.
“Even as we post record growth, the banking sector faces mounting competition from fintechs, AI adoption, and cyber threats. But digital partnerships offer a clear growth path,” said AUB president Manuel A. Gomez.
AUB has expanded its e-wallet HelloMoney globally, now accepted in mainland China and nearly 60 other countries. Over six million users can make seamless QR payments abroad via Alipay+, boosting the bank’s presence in cross-border digital payments.
The combination of strong lending, high-quality assets, and growing digital capabilities positions AUB to sustain profitability and capture opportunities in both traditional and emerging financial services, making it one of the Philippine banking sector’s standout performers.
